Source file signed link, expires in 15 minutes
Extracted text 666
Page 1
2024
LAPORAN TAHUNAN & LAPORAN KEBERLANJUTAN
ANNUAL REPORT & SUSTAINABILITY REPORT
Strengthening Foundation
for Competitive Sustainable Growth
Strategic Digital Actions
towards Sustainable Growth
Laporan Tahunan & Laporan Keberlanjutan 2024 Annual Report & Sustainability Report
Page 2
Sanggahan Disclaimer Selamat datang di Laporan Tahunan PT Allo Bank Indonesia Welcome to the Annual Report of PT Allo Bank Indonesia Tbk. Tbk dengan tema “Strengthening Foundation for Competitive with theme “Strengthening Foundation for Competitive Sustainable Sustainable Growth”. Laporan Tahunan ini diterbitkan sesuai dengan Growth”. This Annual Report is issued in accordance with OJK Peraturan Otoritas Jasa Keuangan Nomor 29/POJK.04/2016 Regulation Number 29/POJK.04/2016 concerning Annual Report tentang Laporan Tahunan Emiten atau Perusahaan Publik. of Issuers or Public Companies and Circular Letter of The Financial Penyusunan Laporan Tahunan ini menggunakan ketentuan yang Services Authority Number 16/SEOJK.04/2021 concerning the Form terdapat pada Surat Edaran Otoritas Jasa Keuangan Nomor 9/ and Content of The Annual Report of Issuers or Public Companies. SEOJK.03/2020 tentang Transparansi dan Publikasi Laporan Bank Umum Konvensional dan Surat Edaran Otoritas Jasa Keuangan Nomor 16/SEOJK.04/2021 Tentang Bentuk dan Isi Laporan Tahunan Emiten Atau Perusahaan Publik. Laporan Tahunan ini dapat berisi beberapa pernyataan yang This Annual Report may contain several statements that consist of merupakan proyeksi dan pandangan masa depan yang future projections and views describing the Company’s perspective menggambarkan cara pandang Bank terhadap kejadian-kejadian on future financial events and performance, as well as financial dan kinerja keuangan di masa depan, serta kondisi keuangan, hasil conditions, operating and business results, economic conditions, operasi dan hasil usaha, kondisi ekonomi, kondisi sektor, kondisi sector conditions and related plans and objectives. lalu lintas, serta rencana dan tujuan terkait. Pandangan-pandangan ini didasarkan pada beberapa estimasi dan These perspectives are based on various current estimations asumsi saat ini yang dapat berubah seiring dengan ketidakpastian, and assumptions that may change in line with uncertainties, kontingensi dan berbagai risiko bisnis, ekonomi, dan kompetisi contingencies, and various business, economic, and competition yang dapat berubah sewaktu-waktu; dapat menyebabkan hasil risks that may change from at anytime; they could cause actual kinerja, dan kejadian sebenarnya berbeda secara material dari yang results, performance and events to differ materially from those telah diprediksi atau diproyeksi, dan hal ini berada di luar kendali predicted or projected; and it is beyond the control of the Company Bank dan Direksi Bank. Pernyataan-pernyataan tersebut tidak and the Company’s Director Board. Such statements are not terkait baik secara langsung maupun secara eksklusif dengan fakta- directly or exclusively related to historical facts and do not reflect fakta historis dan tidak mencerminkan niat, rencana, ekspektasi, the Company’s intentions, plans, expectations, assumptions and asumsi, dan keyakinan Bank mengenai kejadian-kejadian di masa beliefs regarding future events. There is no guarantee that future mendatang. Tidak ada jaminan bahwa kejadian di masa mendatang events will occur, projections will be achieved, or the Company’s akan muncul, proyeksi akan tercapai, atau asumsi Bank benar. assumptions are correct. These statements are not and should Pernyataan-pernyataan tersebut bukan dan tidak dapat dianggap not be considered as a representation of the Company’s future sebagai representasi atas kinerja Bank di masa datang. performance. Laporan Tahunan ini memuat kata “Allo Bank” dan “Bank” yang This Annual Report contains words such as “Allo Bank ” and “Bank”, didefinisikan sebagai PT Allo Bank Indonesia Tbk yang menjalankan which are defined as PT Allo Bank Indonesia Tbk that runs business kegiatan usaha di bidang jasa perbankan. Penyebutan satuan mata activity in Banking sector. Terms for the currency unit “Rupiah”, “Rp” uang “rupiah”, “Rp”, atau “IDR” merujuk pada mata uang resmi or “IDR” refers to the official currency of the Republic of Indonesia, Republik Indonesia, sedangkan “dolar AS” atau “USD” merujuk whereas “US Dollar” or “USD” refers to the official currency of pada mata uang resmi Amerika Serikat. Semua informasi keuangan the United States of America. The entire financial information is disajikan dalam mata uang “rupiah”. presented in Rupiah. Laporan dibuat dalam dua bahasa, yakni bahasa Indonesia dan This Report made in two languages, namely in Bahasa and English bahasa Inggris. Selain dalam edisi cetak, laporan serupa dapat languages. In addition to print edition, this Report can also be diakses melalui situs resmi Bank https://www.allobank.com. accessed in the Bank's official website, https://www.allobank.com. ii Laporan Tahunan & Laporan Keberlanjutan 2024
Page 3
Sekapur Sirih
A Few Brief Introductory Words
Strengthening Foundation
for Competitive Sustainable Growth
Iklim usaha di sepanjang tahun 2024 masih masih dihadapkan The business climate throughout 2024 remained one that was
dengan situasi yang penuh dengan ketidakpastian. Namun filled with uncertainty. Nevertheless, Allo Bank (as a digital-based
demikian, Allo Bank sebagai bank umum berbasis digital senantiasa commercial bank) is always staying focused on strengthening its
fokus untuk memperkuat pondasi bisnis yang dimiliki agar mampu business foundations so that it can to achieve sustainable growth in
mencapai pertumbuhan secara berkelanjutan di masa depan the future (as part of its "Strengthening Foundation for Competitive
(“Strengthening Foundation for Competitive Sustainable Growth”). Sustainable Growth" slogan). The Bank has continued to develop
Dalam upaya untuk menghadirkan Allo Bank sebagai everyday various strategic initiatives in an effort to present Allo Bank as an
bank yang dapat menjawab segala kebutuhan nasabah, Bank terus everyday bank that can answer all of its customer needs. This
mengembangkan berbagai inisiatif strategis termasuk kolaborasi includes the Bank’s collaborations with various ecosystems and
dengan berbagai ekosistem, mengembangkan produk dan layanan its efforts at developing innovative products and services, all while
inovatif dan tanpa melupakan Good Corporate Governance ensuring that Good Corporate Governance and risk management
dan manajemen risiko yang menjadi disiplin prudential yang remained prudential disciplines that served as Allo Bank hallmark
menjadi ciri khas Allo Bank. Allo Bank berkomitmen untuk terus qualities. Allo Bank is committed to continuing with its efforts
mengembangkan produk dan layanan perbankan digital secara to optimally develop its digital banking products and services
optimal. Layanan tersebut dilakukan melalui kolaborasi dengan through collaborations with ecosystems both within and outside
ekosistem baik di dalam maupun diluar Group CT Corpora, dengan CT Corpora Group. They have also been carried out by the Bank's
cara memperkuat cakupan infrastruktur physical & digital (phygital) efforts at strengthening its coverage of "physical and digital" (or
dan mengembangkan kapabilitas teknologi dan data terbaik agar "phygital") infrastructure and by its efforts at developing the best in
Bank dapat terus meningkatkan akuisisi dan engagement serta technology and data capabilities so that it can continue to improve
kualitas layanan nasabah. its acquisitions and engagement, as well as improve its customer
service quality.
2024 Annual Report & Sustainability Report
1
Page 4
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Kilas
Kinerja 2024 2024 Performance Highlights
KINERJA OPERASIONAL
OPERATIONAL PERFORMANCE
1,25 %
Kinerja Kredit
Credit Performance
7.478.035 Juta
Million
24,42 %
Kinerja Dana
Pihak Ketiga
Third Party Fund
Performance
6.095.118 Juta
Million
2 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 5
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
KINERJA KEUANGAN
FINANCIAL PERFORMANCE
9,67 %
Aset
Assets
Rp
13.984.014 Juta
Million
24,80 %
Pendapatan Operasional
Operating Income
Rp
1.446.728 Juta
Million
SELF ASSESSMENT GCG
GCG SELF ASSESSMENT
Bank telah melakukan penilaian sendiri (self assessment) terhadap The Bank has conducted its self-assessment for its Good Corporate
penerapan tata kelola (Good Corporate Governance) yang dilakukan Governance implementation. It has done this by taking various
oleh pihak internal dengan mempertimbangkan berbagai faktor assessment factors into consideration in a comprehensive and
penilaian secara komprehensif dan terstruktur, yang mencakup structured manner. These factors include the Bank's governance
governance structure, governance process, dan governance structure, governance process, and governance outcome. In 2024,
outcome. Pada tahun 2024, self assessment penerapan GCG Bank the Bank's GCG implementation self-assessment process saw it
meraih nilai komposit sebesar 2 atau memperoleh predikat “BAIK”. achieving a composite value of 2, or a predicate score of "GOOD".
2024 Annual Report & Sustainability Report
3
Page 6
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Daftar
Isi Table of Content
Sanggahan
Disclaimer
ii Profil Informasi pada Situs Web Perusahaan
Information on the Company Website
118
Sekapur Sirih 1 Pendidikan dan/atau Pelatihan Dewan 120
A Few Brief Introductory Words
Kilas Kinerja 2024 2
Perusahaan Komisaris, Direksi, Komite-Komite,
Sekretaris Perusahaan dan Unit Audit
Internal
2024 Performance Highlights Company Profile Education and/or Training for Board
Daftar Isi 4 of Commissioners, Board of Directors,
Table of Content Informasi Umum dan Identitas 54 Committees, Corporate Secretary, and
Perusahaan Internal Audit Unit
General Information and Company
Identity
Riwayat Singkat Perusahaan 56
Performa 2024 Brief History of the Company
Informasi Perubahan Nama 59
Analisis dan
Performance 2024 Change of Name Information
Jejak Langkah Allo Bank 60 Pembahasan
Manajemen
Allo Bank Milestones
Ikhtisar Data Keuangan Penting 8
Key Financial Highlights Kegiatan Usaha dan Pasar yang Dilayani 62
Business Activities and Markets Served
Ikhtisar Saham 17 Management Discussion
Stock Overview Peta Wilayah Usaha 63
Informasi tentang Penerbitan Obligasi, 21 Business Area Map and Analysis
Sukuk atau Obligasi Konversi
Information on Issuance of Bonds, Sukuk or
Struktur Organisasi 64
Organizational structure Tinjauan Perekonomian dan Industri 134
Convertible Bonds Economic and Industrial Overview
Visi, Misi, dan Budaya Perusahaan 66
Informasi Sumber Pendanaan Lainnya 21 Vision, Mission, and Corporate Culture Rencana dan Kebijakan Strategis 136
Information on Other Funding Sources Perusahaan
Makna Logo dan Motto Perusahaan 68 Company Strategic Plan and Policy
Kilas Peristiwa 22 Meaning Behind the Company’s Logo
Event Highlights and Motto Tinjauan Operasi Per Kegiatan Usaha 137
Operational Review Per Business
Profil Dewan Komisaris 69 Activities
Board of Commissioners Profiles
Laporan
Profil Direksi 75
Tinjauan Keuangan 142
Board of Directors Profiles Financial Review
Kemampuan Membayar Utang dan 149
Manajemen
Pejabat Eksekutif 86 Tingkat Kolektibilitas Piutang
Executive Officers
Solvency and Receivables Collectability
Sumber Daya Manusia 97 Rate
Management Report Human Resources
Struktur Modal dan Kebijakan 151
Pengelolaan dan Pengembangan 101 Manajemen atas Struktur Modal
Laporan Dewan Komisaris 28 Kompetensi Karyawan Capital Structure and Management
Board of Commissioners Report Employee Competency Management Policy on Capital Structure
and Development
Laporan Direksi 36 Ikatan yang Material untuk Investasi 154
Board of Directors Report Komposisi Pemegang Saham 105 Barang Modal
Shareholders Composition Material Commitments for Capital
Surat Pernyataan Anggota Dewan 51
Komisaris dan Direksi Tentang Goods Investment
Tanggung Jawab atas Laporan
Daftar Entitas Anak, Entitas Asosiasi, 111
Ventura Bersama dan Kerja Sama
Tahunan 2024 PT Allo Bank Indonesia Operasi List of Subsidiaries, Associated
Realisasi Investasi Barang Modal 154
Realization of Capital Goods Investment
Tbk Entities, Joint Ventures and Joint
Responsibility Statement of The Board Operations Informasi Material mengenai Investasi, 155
of Commissioners and Board of Ekspansi, Divestasi, Penggabungan
Directors for 2024 Annual Report of
Struktur Grup Perusahaan 112 Usaha, Akuisisi dan/atau Restrukturisasi
Company Group Structure Utang/Modal
PT Allo Bank Indonesia Tbk
Material Information regarding
Keanggotaan dalam Asosiasi 113 Investment, Expansion, Divestment,
Membership in Associations
Merger, Acquisition and/or Debt/Capital
Kronologis Penerbitan dan/atau 113 Restructuring
Pencatatan Saham
Chronology of Issuance and/or Share Perbandingan antara Target Anggaran 156
Listing dengan Realisasi dan Proyeksi Usaha
Comparison between Budget Targets
Kronologis Penerbitan dan/atau 114 and Realizations, and Business
Pencatatan Projections
Efek Lainnya Chronology of Issuance
and/or Share Listing Informasi dan Fakta Material yang 157
Terjadi setelah Tanggal Laporan
Lembaga dan/atau Profesi Penunjang 115 Akuntan
Perusahaan Material Information and Facts
Company’s Supporting Institutions and/ Occurring after the Accountant's Report
or Professionals Date
Penghargaan dan Sertifikasi 117
Awards and Certifications
4 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 7
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Dampak Nilai Tukar Mata Uang Asing 157 Penerapan dan Kesesuaian atas 302 Program Kepemilikan Saham oleh 439
Impact of Foreign Exchange Rates Pedoman Tata Kelola Perusahaan Manajemen dan/atau Karyawan
Terbuka Share Ownership Program for
Prospek Usaha 157 Implementation and Compatibility Management and/or Employees
Business Prospects
of Public Company Governance
Aspek Pemasaran 159 Guidelines
Internal Fraud 439
Internal Fraud
Marketing Aspects
Struktur Tata Kelola Perusahaan yang 302 Kebijakan Anti Korupsi 440
Kebijakan Dividen dan Pembagiannya 160 Baik
Anti-Corruption Policy
Dividend Policy and Distribution Good Corporate Governance Structure
Informasi tentang Program Kepemilikan 161
Sistem Pelaporan Whistleblowing 441
Saham oleh Karyawan dan/atau
Rapat Umum Pemegang Saham 304 Whistleblowing Reporting System
General Meeting of Shareholders
Manajemen (ESOP/MSOP) Kesesuaian Penerapan GCG Allo 442
Information on Employee and/
Dewan Komisaris 319 Bank Terhadap Pedoman Tata Kelola
Board of Commissioners
or Management Stock Ownership Perusahaan Terbuka
Programs (ESOP/MSOP) Komisaris Independen 329 Conformity of Allo Bank GCG
Independent Commissioner Implementation with Governance
Informasi tentang Realisasi Penggunaan 162 Guidelines for
Dana Hasil Penawaran Umum Direksi 332 Public Companies
Information on the Realization of Board of Directors
the Use of Proceeds from the Public
Transparansi Informasi terkait Dewan 344
Transparansi Praktik Bad Governance 449
Offering Transparency of Bad Governance
Komisaris dan Direksi
Practices
Informasi Transaksi Material yang 164 Transparency of Information Regarding
Mengandung Benturan Kepentingan the Board of Commissioners and Board
dan/atau Transaksi dengan Pihak of Directors
Afiliasi/Pihak Berelasi
360
Laporan
Nominasi dan Remunerasi Dewan
Information on Material Transactions
Komisaris dan Direksi
Containing Conflicts of Interest and/
Nomination and Remuneration of Board
Keberlanjutan
or Transactions with Affiliated Parties/
of Commissioners and Directors
Related Parties
Organ Pendukung Dewan Komisaris 366
Informasi Keuangan yang Mengandung 169 Board of Commissioners Supporting
Kejadian yang Bersifat Luar Biasa dan
Organ
Sustainability Report
Jarang Terjadi
Financial Information Containing Organ Pendukung Direksi 391 Ikhtisar Kinerja Keberlanjutan 2024 452
Extraordinary and Rare Events Supporting Organ of Board of Directors
2024 Sustainable Performance
Perubahan Peraturan Perundang- 169 Fungsi Kepatuhan 409 Highlight
Undangan yang Berpengaruh Signifikan Compliance Function
terhadap Perusahaan
Penjelasan Direksi 454
Changes in Laws and Regulations
Akuntan Publik 412 Board of Directors' Explanation
Public Accountant
that Have a Significant Impact on the Strategi Keberlanjutan Allo Bank 463
Company Manajemen Risiko 414 Allo Bank Sustainability Strategy
Risk Management
Perubahan Kebijakan Akuntansi dan 172
Tentang Laporan Keberlanjutan 465
Dampaknya terhadap Perusahaan Sistem Pengendalian Internal 424 About This Sustainability Report
Changes in Accounting Policies and Internal Control System
Their Impact on the Company
Profil Perusahaan 467
Perkara Penting 426 Company Profile
Litigation
Informasi Kelangsungan Usaha 173 Tata Kelola Berkelanjutan 472
Business Continuity Information Akses Informasi dan Data Perusahaan 427 Sustainable Governance
Access to Information and Company
Uraian Kualitatif dan Kuantitatif terkait 190 Data
Kinerja Keberlanjutan 489
Permodalan dan Eksposur Risiko Sustainability Performance
Qualitative and Quantitative
Descriptions Related to Capital and Risk
Kode Etik dan Budaya Perusahaan 428 Verifikasi Tertulis dari Pihak Independen 514
Code of Conduct and Corporate
Exposure Written Verification from an
Culture
Independent Party
Penerapan Program Anti Pencucian 430 Lembar Umpan Balik 515
Uang, Pencegahan Pendanaan
Feedback Sheet
Terorisme dan Pencegahan Pendanaan
Tata Kelola Proliferasi Senjata Pemusnah Massal
Implementation of Anti-Money
Tanggapan Terhadap Umpan Balik
Laporan Tahun Sebelumnya
517
Perusahaan
Laundering, Counter-Terrorist Response to the Previous Year's Report
Financing, and Counter-Proliferation Feedback
Financing of Weapons of Mass Daftar Pengungkapan Sesuai POJK 51/ 518
yang Baik
Destruction Program POJK.03/2017
List of Disclosures in Accordance with
Perlakuan yang Sama terhadap Seluruh 435
Pemegang Saham POJK 51/POJK.03/2017
Good Corporate Governance Equal Treatment for All Shareholders
Prinsip Dasar Penerapan Tata Kelola 294
Pemberian Dana untuk Kegiatan Sosial 435
dan Politik
Laporan
Perusahaan yang Baik
Providing Funds for Social and Political
Basic Principles of Implementing Good
Activities
Corporate Governance
436
Keuangan
Penyediaan Dana kepada Pihak Terkait
Perkembangan Penerapan Tata Kelola 297 dan Penyediaan Dana Besar
Perusahaan yang Baik
Provision of Funds to Related Parties
Development of Good Corporate
Governance Implementation
and Provision of Large Funds Financial Statements
Penilaian Penerapan Tata Kelola 299
Buy Back Share dan/atau Buyback 438
Perusahaan yang Baik
Obligasi Bank Laporan Keuangan 525
Buy Back Shares and/or Buyback Bank Financial Statements
Assessment of Good Corporate
Bonds
Governance Implementation in 2024
Transaksi yang Mengandung Benturan 438
Kepentingan
Transactions Involving Conflicts of
Interest
2024 Annual Report & Sustainability Report
5
Page 8
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Performa Performa 2024 2024 Performance 2024 Performance 6 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 9
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
2024 Annual Report & Sustainability Report
7
Page 10
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Ikhtisar Data
Keuangan Penting Key Financial Highlights
Laporan Laba (Rugi) dan Penghasilan Komprehensif Lain
Profit (Loss) and Comprehensive Income Statement dalam jutaan Rupiah
in million Rupiah
Uraian
2024 2023 2022 2021 2020
Description
Pendapatan Operasional 1.446.728 1.159.330 760.749 301.156 51.942
Operating Income
Pendapatan Bunga Bersih 1.117.502 1.036.755 627.229 195.318 47.591
Net Interest Income
Pendapatan Operasional selain Bunga 329.226 122.575 133.520 105.838 4.351
Other Operating Income
Biaya Kerugian Penurunan Nilai Aset Keuangan (113.880) (47.942) (44.262) 2.997 83.077
Allowance for Impairment Losses on Financial Asset
Biaya Operasional (734.025) (535.827) (359.884) (84.005) (90.667)
Operating Expenses
Laba (Rugi) Operasional 598.823 575.561 356.603 220.148 44.352
Operating Profit (Loss)
Pendapatan non Operasional 127 (287) (4.291) (148) 1.474
Non-Operating Income
Laba/(Rugi) Sebelum Pajak Penghasilan 598.950 575.274 352.312 220.000 45.826
Profit/(Loss) before Income Tax
Laba/(Rugi) Bersih 467.106 444.566 270.030 192.475 37.011
Net Profit/(Loss)
Pendapatan/(Beban) Komprehensif Lainnya (86.445) 39.283 15.967 15.283 10.289
Other Comprehensive Income/(Expenses)
Total Laba Komprehensif 380.661 483.849 285.997 207.758 47.300
Total Comprehensive Profit
Laba Bersih per Saham (dalam Rupiah penuh) 21,50 20,46 12,43 24,26 8,85
Earnings per Share (in full Rupiah amount)
8 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 11
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Pendapatan
Bunga Bersih
Net Interest Income (Rp juta | million)
1.117.502 1.036.755 627.229 195.318 47.591
2024 2023 2022 2021 2020
Laba/(Rugi)
Sebelum Pajak
Profit/(Loss) before Tax (Rp juta | million)
598.950 575.274 352.312 220.000 45.826
2024 2023 2022 2021 2020
Laba (Rugi)
Tahun Berjalan
Profit (Loss) for the Year (Rp juta | million)
467.106 444.566 270.030 192.475 37.011
2024 2023 2022 2021 2020
2024 Annual Report & Sustainability Report
9
Page 12
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Laporan Posisi Keuangan
Statement of Financial Position dalam jutaan Rupiah
in million Rupiah
Uraian
2024 2023 2022 2021 2020
Description
Aset
Assets
Aset Produktif 13.319.824 12.184.632 10.431.565 4.182.567 2.251.346
Productive Assets
Kredit yang Diberikan 7.478.035 7.385.708 7.205.558 2.198.243 1.275.827
Loans
Efek-Efek 2.847.270 3.182.839 1.896.710 1.814.862 934.119
Marketable Securities
Reverse Repo 288.706 - 764.529 - -
Reverse Repo
Penempatan pada BI 499.927 199.971 374.938 99,985 34.991
Placement with BI
Penempatan pada Bank Lain 2.205.886 1.416.114 189.830 69.478 3.908
Placement with Other Banks
Aktiva Tetap & Inventaris 272.539 202.524 154.809 30.123 30.377
Fixed Assets & Inventories
Agunan yang Diambil Alih - - - 221.004 204.487
Foreclosed Collaterals
Jumlah Aset 13.984.014 12.750.435 11.058.957 4.649.357 2.586.663
Total Assets
Liabilitas & Ekuitas
Liabilities & Equity
Dana Pihak Ketiga 6.095.118 4.898.665 4.415.491 2.124.024 1.468.314
Third Party Funds
Giro 85.336 48.190 39.700 165.640 182.908
Current Accounts
Tabungan 693.272 465.110 309.249 103.662 107.294
Saving Accounts
Deposito 5.316.510 4.385.365 4.066.542 1.854.722 1.178.112
Time Deposits
Simpanan dari Bank Lain 5.224 45.000 - 161.203 22.522
Deposits from Other Banks
Kewajiban Surat Berharga Repo 286.522 611.288 - 960.445 715.522
Repo Securities Liabilities
Jumlah Liabilitas 6.718.277 5.865.359 4.647.688 3.346.086 2.239.597
Total Liabilities
Jumlah Ekuitas 7.265.737 6.885.076 6.411.269 1.303.271 347.066
Total Equity
Jumlah Liabilitas dan Ekuitas 13.984.014 12.750.435 11.058.957 4.649.357 2.586.663
Total Liabilities and Equity
10 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 13
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Jumlah Aset
Total Asset (Rp juta | million)
13.319.824 12.750.435 11.058.957 4.649.357 2.586.663
2024 2023 2022 2021 2020
Jumlah Liabilitas
Total Liabilities (Rp juta | million)
6.718.277 5.865.359 4.647.688 3.346.086 2.239.597
2024 2023 2022 2021 2020
Jumlah Ekuitas
Total Equity (Rp juta | million)
7.265.737 6.885.076 6.411.269 1.303.271 347.066
2024 2023 2022 2021 2020
2024 Annual Report & Sustainability Report
11
Page 14
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Laporan Arus Kas
Statements of Cash Flows dalam jutaan Rupiah
in million Rupiah
Uraian
2024 2023 2022 2021 2020
Description
Arus Kas dari Aktivitas Operasi
Cash Flows from Operating Activities
Pendapatan Bunga yang Diterima 1.515.562 1.299.219 774.175 314.316 160.201
Interest Income Received
Beban Bunga yang Dibayar (368.804) (289.560) (134.222) (154.808) (116.900)
Interest Expenses Paid
Pendapatan Operasional Lainnya 136.369 104.309 98.743 106.274 4.169
Other Operating Income
Penerimaan Kembali Aset yang Telah Dihapusbukukan 14.953 18.266 243 - 182
Recoveries of Assets that Have Been Written Off
Beban Tenaga Kerja (165.847) (147.240) (73.742) (57.228) (54.543)
Personnel Expenses
Beban Administrasi dan Umum (497.477) (336.206) (251.979) (32.810) (36.802)
Administrative and General Expenses
Pembayaran Pajak Penghasilan (115.242) (127.159) (78.895) (23.756) 0
Income Tax Payments
Beban Non Operasi - Bersih (6.148) (18.176) (4.606) 1.140 1.463
Non-Operating Expenses - Net
Arus Kas dari Aktivitas Operasi sebelum Perubahan Aset dan 513.726 503.452 329.717 153.128 (42.230)
Kewajiban
Cash Flows from Operating Activities before Changes In Assets
and Liabilities
Perubahan dalam Aset dan Kewajiban Operasi:
Changes in Operating Assets and Liabilities:
Penempatan pada BI dan Bank Lain - - - - (500)
Placements with Bank Indonesia and Other Banks
Efek-Efek yang Dibeli dengan Janji Dijual Kembali (288.657) 764.099 (764.099) - 46.800
Securities Purchased Under Resale Agreements
Kredit yang Diberikan (92.327) (180.150) (5.025.843) (922.416) 390.912
Loans
Biaya Dibayar Dimuka (2.772) 15.021 (37.941) (296) 7.173
Prepaid Expenses
Agunan yang Diambil Alih - - 221.004 (16.517) (52.841)
Foreclosed Assets
Aset Lain-Lain (102.723) 40.901 71.640 (44.158) (2.915)
Other Assets
Simpanan
Deposits
Giro 42.369 8.333 (131.485) (20.086) (135.365)
Current Accounts
Tabungan 228.162 155.862 205.586 (3.631) (5.514)
Saving Accounts
Deposito 886.145 363.824 2.056.320 818.110 (555.656)
Deposits
Kewajiban Surat Berharga Repo (324.766) 611.288 (960.445) 244.923 715.522
Repo Securities Liabilities
12 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 15
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Uraian
2024 2023 2022 2021 2020
Description
Utang Pajak 4.802 9.464 4.588 23.326 (1.284)
Taxes Payables
Kewajiban Lain-Lain 7.768 56.003 121.184 26.482 9.742
Other Liabilities
Efek-Efek yang Dibeli dengan Janji Dijual Kembali 871.727 2.348.097 (3.909.774) 258.865 373.844
Securities Purchased Under Resale Agreements
Arus Kas dari Aktivitas Investasi
Cash Flows from Investing Activities
Efek-Efek 340.128 (1.254.500) (81.848) (866.478) (818.554)
Marketable Securities
Pembelian Aset Tetap (99.926) (88.331) 24.629 58 11
Purchases of Fixed Assets
Hasil Penjualan Aset Tetap - 19 (65.746) (720) (2.679)
Proceeds from Sale of Fixed Assets
Pembelian Aset Tak Berwujud 231.542 (1.355,317) (248.861) (867.203) (821.503)
Purchases of Intangible Assets
Arus Kas dari Aktivitas Pendanaan
Cash Flows from Financing Activities
Penambahan Modal Disetor - - 1.004.732 749.850 -
Additional Paid in Capital
Tambahan Modal dari Agio Saham - - 3.795.664 - -
Additional Capital from Share Premium
Biaya atas Penerbitan Saham - - - (1.403) -
Transaction Cost Issuance of Shares
Pembayaran Liabilitas Sewa (13.984) (13.292) (14.523) 0 0
Payment of Lease Liabilities
Arus Kas Bersih Diperoleh dari Aktivitas Pendanaan (13.984) (13.292) 4.785.873 748.447 -
Net Cash Flows Provided by Financing Activities
Kenaikan Bersih Kas dan Setara Kas 1.089.285 979.488 627.239 140.109 (447.659)
Increase in Cash and Cash Equivalents
Kas dan Setara Kas Awal Periode 1.853.375 873.888 246.649 106.540 554.199
Cash and Cash Equivalents at The Beginning of The Period
Kas dan Setara Kas Akhir Periode 2.942.660 1.853.375 873.888 246.649 106.540
Cash and Cash Equivalents at The End of The Period
Pengungkapan Tambahan
Additional Disclosures
Kas dan Setara Kas Terdiri dari:
Cash and Cash Equivalents Consist of:
Kas 1.955 3.849 3.174 12.450 14.025
Cash
Giro pada Bank Indonesia 234.892 233.442 305.946 64.736 51.616
Current Accounts with Bank Indonesia
Giro pada Bank Lain 55.886 216.114 189.830 69.478 3.908
Current Accounts with Other Banks
Penempatan pada Bank Indonesia dan Bank Lain 2.649.927 1.399.971 374.938 99.985 36.991
Placements with Bank Indonesia and Other Banks
Jumlah Kas dan Setara Kas 2.942.660 1.853.375 873.888 246.649 106.540
Total Cash and Cash Equivalents
2024 Annual Report & Sustainability Report
13
Page 16
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Rasio-rasio Keuangan
Financial Ratios dalam %
In %
Uraian
2024 2023 2022 2021 2020
Description
Permodalan
Capital
Rasio Kecukupan Modal 82,58 83,35 79,53 48,82 19,61
Capital Adequacy Ratio (CAR)
CAR Tier 1 81,71 82,29 78,62 48,02 19,10
CAR Tier 1
CAR Tier 2 0,87 1,06 0,92 0,80 0,51
CAR Tier 2
Aset Tetap terhadap Ekuitas 3,75 2,94 2,41 2,31 7,62
Fixed Assets to Equity
Aset Produktif
Productive Assets
Aset Produktif dan Non Produktif Bermasalah terhadap 0,46 0,05 0,00 2,12 6,54
Total Aset Produktif dan Non-Produktif
Non-Performing Productive and Non-Productive Assets to
Total Productive and Non-Productive Assets
Aset Produktif Bermasalah terhadap Total Aset Produktif 0,46 0,05 0,00 0,27 1,57
Non-Performing Productive Assets to Total Productive
Assets
CKPN Aset Keuangan terhadap Aset Produktif 0,78 0,51 0,52 0,64 1,27
Allowance for Impairment Losses on Financial Assets to
Productive Assets
NPL Bruto 0,81 0,08 0,01 0,52 2,76
NPL Gross
NPL Neto 0,40 0,05 0,01 0,29 1,75
NPL Net
Profitabilitas
Profitability
Rasio Laba (Rugi) terhadap Jumlah Aset 4,48 4,76 3,55 4,74 2,04
Return on Asset (ROA)
Rasio Laba (Rugi) terhadap Ekuitas 6,78 6,70 4,36 25,64 13,72
Return on Equity (ROE)
Marjin Bunga Bersih 8,88 9,01 6,70 4,63 2,44
Net Interest Margin (NIM)
Biaya Operasional terhadap Pendapatan Operasional 66,78 59,87 60,51 52,38 82,23
(BOPO)
Operational Expenses to Operating Income Ratio (BOPO)
Cost to Income Ratio (CIR) 50,76 46,25 47,41 27,95 174,55
Cost to Income Ratio (CIR)
Rasio Laba (Rugi) terhadap Pendapatan/Penjualan 32,29 38,35 35,50 63,91 71,25
Profit (Loss) to Revenue/Sales Ratio
Rasio Lancar 90,48 85,86 76,06 61,61 46,49
Current Ratio
14 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 17
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Uraian
2024 2023 2022 2021 2020
Description
Likuiditas
Liquidity
Rasio Kredit terhadap Dana Pihak Ketiga 122,69 150,77 163,19 103,49 86,89
Loan to Deposit Ratio (LDR)
Rasio Dana Murah (CASA terhadap Dana Pihak Ketiga) 12,77 10,48 7,90 12,68 19,76
Current and Savings Accounts (CASA on Third Party
Funds)
Rasio Liabilitas terhadap Ekuitas 92,47 85,19 72,49 256,75 645,29
Liabilities to Equity Ratio
Rasio Liabilitas terhadap Aset 48,04 46,00 42,03 71,97 86,58
Liabilities to Assets Ratio
Kepatuhan
Compliance
Persentase Pelanggaran BMPK
Percentage of LLL Violation
Pihak Terkait - 0 - - -
Related Parties
Pihak Tidak Terkait - 0 - - -
Unrelated Parties
Persentase Pelampauan BMPK
Percentage of LLL Exclusion
Pihak Terkait - 0 - - -
Related Parties
Pihak Tidak Terkait - 0 - - -
Unrelated Parties
Giro Wajib Minimum (GWM)
Statutory Reserve Requirement
GWM Utama Rupiah 7,81 9,12 7,85 3,55 3,57
GWM in Rupiah
GWM Valuta Asing - - - - -
GWM in Foreign Currencies
Posisi Devisa Neto (PDN) - - - - -
Net Open Position (PDN)
2024 Annual Report & Sustainability Report
15
Page 18
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Rasio Kecukupan
Modal NPL Neto
Capital Adequacy Ratio (CAR) (Dalam | In %) NPL Neto (Dalam | In %)
82,58 83,35 79,53 48,82 19,61 0,40 0,05 0,01 0,29 1,75
2024 2023 2022 2021 2020 2024 2023 2022 2021 2020
Rasio Liabilitas
BOPO terhadap Aset
BOPO (Dalam | In %) Liabilities to Assets Ratio (Dalam | In %)
66,78 59,87 60,51 52,38 82,23 48,04 46,00 42,03 71,97 86,58
2024 2023 2022 2021 2020 2024 2023 2022 2021 2020
16 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 19
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Ikhtisar
Saham Stock Overview
Komposisi Pemegang Saham Shareholder’s Composition
Per 31 Desember 2024, jumlah saham PT As of December 31, 2024, PT Allo Bank Indonesia
Allo Bank Indonesia Tbk adalah sebanyak Tbk had a total of 21,730,256,442 shares
21.730.256.442 lembar saham dengan outstanding. Among these, PT Mega Corpora held
kepemilikan sebanyak 13.228.508.531 lembar ownership of 13,228,508,531 shares, representing
saham atau 60,88% dimiliki oleh PT Mega 60.88% of the total shares. PT Bukalapak.com
Corpora, 2.497.816.903 lembar saham atau Tbk held 2,497,816,903 shares, equivalent to
setara 11,49% dimiliki PT Bukalapak.com Tbk, 11.49% ownership. Abadi Investment Pte. Ltd.
1.521.117.930 lembar saham atau 7,00% dimiliki Owned 1,521,117,930 shares, accounting for
oleh Abadi Investment Pte. Ltd., 1.303.815.836 7.00% ownership. PT Indolife Investama Perkasa
lembar saham atau 6,00% dimiliki PT Indolife held 1,303,815,836 shares, representing 6.00%
Investama Perkasa, dan 3.178.997.692 lembar ownership. The remaining 3,178,997,692 shares,
saham atau 14,63% dimiliki oleh masyarakat constituting 14.63% ownership, were held by the
(kepemilikan di bawah 5%). public, with individual ownership below 5%.
Kinerja saham Allo Bank dalam 2 (dua) tahun The performance of Allo Bank shares in the last
terakhir dapat dilihat sebagai berikut: 2 (two) years is as follows:
Kode Saham | Stock Code Bursa Perdagangan Saham | Stock Trading Exchange
BBHI
Bursa Efek Indonesia (BEI)
Indonesian Stock Exchange (BEI)
Harga Saham (Rp) Volume
Jumlah Saham
Share Price (Rp) Transaksi
Beredar (juta
(Saham/ribu) Kapitalisasi Pasar
2024 lembar) Market Capitalization
Transaction
Tertinggi Terendah Penutupan Number of shares (Rp)
Volume (Shares/
Highest Lowest Closing outstanding (million
thousand)
shares)
Kuartal I 1.370 1.095 1.165 21.730.256.442 31.749 25.315.748.754.930
1st Quarter
Kuartal II 1.165 675 770 21.730.256.442 34.492 16.732.297.460.340
2nd Quarter
Kuartal III 1.155 765 995 21.730.256.442 69.431 21.621.605.159.790
3rd Quarter
Kuartal IV 1.010 700 700 21.730.256.442 27.448 15.211.179.509.400
4th Quarter
2024 Annual Report & Sustainability Report
17
Page 20
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Harga Saham (Rp) Volume
Jumlah Saham
Share Price (Rp) Transaksi
Beredar (juta
(Saham/ribu) Kapitalisasi Pasar
2023 lembar) Market Capitalization
Transaction
Tertinggi Terendah Penutupan Number of shares (Rp)
Volume (Shares/
Highest Lowest Closing outstanding (million
thousand)
shares)
Kuartal I 1.885 1.495 1.505 21.730 52.154 32.704.035.945.210
1st Quarter
Kuartal II 2.230 995 1.740 21.730 171.528 37.810.646.209.080
2nd Quarter
Kuartal III 1.960 1.500 1.520 21.730 133.477 33.029.989.791.840
3rd Quarter
Kuartal IV 1.680 1.160 1.290 21.730 158.852 28.032.030.810.180
4th Quarter
Harga Harga
Bulan Volume Transaksi Bulan Volume Transaksi
Month Penutupan Transaction Volume Month Penutupan Transaction Volume
Closing Price Closing Price
Januari 2023 1.775 15.147 Januari 2024 1.200 17.996
January 2023 January 2024
Februari 2023 1.600 20.188 Februari 2024 1.130 6.768
February 2023 February 2024
Maret 2023 1.505 16.819 Maret 2024 1.165 6.984
March 2023 March 2024
April 2023 1.280 10.054 April 2024 1.010 7.385
April 2023 April 2024
Mei 2023 1.020 16.082 Mei 2024 930 13.222
May 2023 May 2024
Juni 2023 1.740 145.392 Juni 2024 770 13.885
June 2023 June 2024
Juli 2023 1.810 68.490 Juli 2024 925 20.713
July 2023 July 2024
Agustus 2023 1.630 40.521 Agustus 2024 980 30.784
August 2023 August 2024
September 2023 1.520 24.466 September 2024 995 17.933
September 2023 September 2024
Oktober 2023 1.195 18.393 Oktober 2024 980 13.186
October 2023 October 2024
November 2023 1.445 88.702 November 2024 855 6.471
November 2023 November 2024
Desember 2023 1.290 51.757 Desember 2024 700 7.791
December 2023 December 2024
18 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 21
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Harga Penutupan
Closing Price
2.000
1.775 1.740 1.810
1.800
1.600 1.630
1.600 1.505 1.520
1.445
1.400 1.280
1.290
1.200
1.195
1.200 1.020
1.000 1.130 1.165
1.010 925 980 995
800
930 980
770 855 700
600
400
200
0
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023 2024
Volume Transaksi
Transaction Volume
2.000
145.392
1.400
1.200
1.000
88.702
800
68.490
600
51.757
40.521
400
20.188 24.466
15.147
200 16.819 10.054 16.082 18.393
20.713 30.784
13.222 13.885 17.933 7.791
0 17.996 6.768 7.385 13.186 6.471
6.984
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023 2024
2024 Annual Report & Sustainability Report
19
Page 22
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Informasi tentang Aksi Korporasi Information about Corporate Actions Sepanjang tahun 2024, Bank tidak melakukan aksi korporasi yang Throughout 2024, the Bank did not undertake any corporate actions menyebabkan terjadinya perubahan saham, seperti pemecahan that would result in changes to its shares, such as stock splits, saham (stock split), penggabungan saham (reverse stock), saham reverse stocks, bonus shares, or alterations in the nominal value bonus, serta perubahan nilai nominal saham. Dengan demikian, of shares. As a result, there is no relevant information available tidak terdapat informasi terkait tanggal pelaksanaan aksi korporasi, regarding the implementation date of corporate actions, stock split rasio pemecahan saham (stock split), penggabungan saham (reverse ratios, reverse stock, stock dividends, bonus shares, issuance of stock), dividen saham, saham bonus, jumlah efek konversi yang convertible securities, changes in nominal share value, alteration diterbitkan, perubahan nilai nominal saham, jumlah saham beredar in outstanding shares before and after corporate action, issuance sebelum dan sesudah aksi korporasi, jumlah efek konversi yang of convertible securities, or share prices before and after such dilaksanakan, dan harga saham sebelum dan sesudah aksi korporasi actions, to be included in this Annual Report. yang dapat disajikan dalam Laporan Tahunan ini. Informasi Penghentian Sementara Perdagangan Information on Temporary Suspension of Stock Saham (Suspension) dan/atau Sanksi Perdagangan Trading (Suspension) and/or Delisting Saham (Delisting) Hingga 31 Desember 2024, Allo Bank tidak pernah dikenakan As of December 31, 2024, Allo Bank did not experience a temporary sanksi yang dapat berpengaruh terhadap aktivitas perdagangan suspension and/or delisting sanctions. Thus, there is no information saham di Bursa Efek tempat Bank mencatatkan saham dan about it in this Annual Report. memperdagangkan saham, baik penghentian sementara perdagangan saham (suspension) dan/atau pembatalan pencatatan saham (delisting). Dengan demikian, tidak terdapat informasi terkait dampak dari penghentian sementara perdagangan saham (suspension) dan/atau pembatalan pencatatan saham (delisting) yang dapat disajikan dalam Laporan Tahunan ini. Dividen Saham Stock Dividend Di tahun 2024, Bank belum membagikan dividen untuk hasil usaha In 2024, the Bank has not distributed dividends for the 2023 tahun buku 2023 dan 2022 sesuai dengan hasil keputusan para and 2022 fiscal years in accordance with the resolutions of the pemegang saham. shareholders. 20 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 23
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Informasi tentang Penerbitan
Obligasi, Sukuk atau Information on Issuance of
Obligasi Konversi Bonds, Sukuk or Convertible Bonds
Sampai dengan 31 Desember 2024, Bank tidak As of December 31, 2024, the Bank did not have
menerbitkan obligasi, sukuk, dan/atau obligasi bonds, sukuk and/or convertible bonds. Thus,
konversi. Dengan demikian, tidak terdapat there is no information related to outstanding
informasi terkait obligasi, sukuk, atau obligasi bonds, sukuk or bonds in this Annual Report.
yang masih beredar dalam Laporan Tahunan ini.
Informasi Sumber
Pendanaan Lainnya Information on Other Funding Sources
Hingga akhir tahun 2024, Allo Bank tidak As of the end of 2024, the Bank never issued
pernah menerbitkan surat berharga sumber securities from other funding sources. Thus,
pendanaan lainnya. Dengan demikian, there is no information regarding other sources
tidak terdapat informasi mengenai sumber of funding in this Annual Report.
pendanaan lainnya yang dapat disajikan dalam
Laporan Tahunan ini.
2024 Annual Report & Sustainability Report
21
Page 24
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Kilas
Peristiwa Event Highlights
Februari Allo Talks: Winning The Challenge
February To Accelerate Growth
Sesuai dengan values Growth, Agility, dan Learning, Bank
mengadakan sharing session dimana Ibu Aviliani membahas kondisi
makro ekonomi terkini dan tantangan perbankan digital ke depan
dengan semua Pimpinan Kepala Divisi.
Reflecting the values of Growth, Agility, and Learning, the Bank
organized a sharing session where Mrs. Aviliani discussed current
macroeconomic conditions and the future challenges of digital
banking with all Division Heads.
Town Hall 2024 Maret
March
Direksi menggelar Town Hall dengan semua karyawan. Mengangkat
tema Driving Towards Allo Bank 2.0, acara tersebut bertujuan
untuk membagikan strategi dan rencana kerja serta meningkatkan
koordinasi dan komunikasi demi pencapaian strategic objectives
sepanjang tahun 2024.
The Board of Directors held a Town Hall meeting with all employees.
With the theme Driving Towards Allo Bank 2.0, the event aimed to
share strategies and work plans while improving coordination and
communication to achieve strategic objectives for 2024.
Gebrag Ramadhan
Bank bekerjasama dengan CT Arsa Foundation dalam program
Gerakan Berbagi Pangan dan Sembako (“Gebrag”) memberikan
bantuan kepada kaum dhuafa atau yang membutuhkan pada saat
bulan Ramadhan.
In collaboration with the CT Arsa Foundation, the Bank conducted
the Food and Staple Goods Giveaway (“Gebrag”) program to assist
underprivileged individuals during the month of Ramadan.
22 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 25
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Peresmian Data Center Baru Mei
Inauguration of New Data Center May
Allo Bank menyelesaikan pembangunan Pusat Data Bersertifikat TIA
Rated-3 baru, yang kemudian diresmikan oleh Chairman CT Corp, Bapak
Chairul Tanjung pada tanggal 17 Mei 2024. Infrastruktur ini dirancang
dengan arsitektur yang memenuhi standar internasional tertinggi.
Selain arsitektur, keamanan juga menjadi prioritas Bank, dengan adanya
pemisahan antara lingkungan sistem inti dengan sistem di sekitarnya
serta sistem pengembangan untuk meningkatkan keamanan dan
keandalan layanan.
Allo Bank completed the construction of a new TIA Rated-3 Certified
Data Center, which was inaugurated by CT Corp Chairman, Mr. Chairul Tanjung, on May 17, 2024. Designed with architecture that
adheres to the highest international standards, this infrastructure prioritizes security by separating the core system environment from
surrounding systems and a development system to enhance service reliability.
Anniversary Celebration
Allo Bank merayakan second anniversary mengangkat tema
Grow2gether dengan aktivitas Sharing session dan Creative video
competition “Actions that have a good impact on the environment”,
dan music performances oleh Allo Band.
Allo Bank celebrated its second anniversary with the theme
Grow2gether, featuring Sharing sessions and Creative video
competition activities titled “Actions That Have a Good Impact on the
Environment,” and music performances by Allo Band.
RUPS Tahunan 2024
2024 Annual GMS
Allo Bank menyelenggarakan RUPS Tahun Buku 2023 pada 31 Mei
2024 di Auditorium Bank Mega Tower, dimana Pemegang Saham
menyetujui 7 mata acara yang diusulkan dalam Rapat.
On May 31, 2024, Allo Bank held its 2023 Financial Year GMS at
the Bank Mega Tower Auditorium, where shareholders approved 7
agenda items proposed during the meeting.
2024 Annual Report & Sustainability Report
23
Page 26
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Juni ALLO BANK FESTIVAL 2024
June
merupakan festival internasional tahunan yang diselenggarakan oleh
Allo Bank yang bertujuan untuk memberikan pengalaman all-in-one
kepada Sahabat Allo sekaligus menghibur dan berbagi pengalaman.
Allo Bank Festival 2024 hadir pada 21-22 Juni 2024 dengan
mengusung tema Intimate Concert Experience dengan bintang tamu
internasional WAY V di ISTORA SENAYAN JAKARTA bersama berbagai
musisi nasional Indonesia.
The annual international ALLO BANK FESTIVAL 2024 organized by
Allo Bank, aimed to provide an all-in-one experience to Sahabat Allo
through entertainment and shared experiences. Held on June 21-22,
2024, at Istora Senayan Jakarta, the festival featured the theme
Intimate Concert Experience with international guest star WAY V and various renowned Indonesian
musicians.
Bank Administrator RDN
RDN Administrator Bank Juli
July
Allo Bank ditunjuk sebagai salah satu Bank Administrator Rekening
Dana Nasabah dan Bank Pembayaran periode 2024-2029 oleh KSEI.
Kerja sama dengan Bank Administrator RDN dan Bank Pembayaran
dengan KSEI merupakan salah satu upaya Allo Bank dalam
meningkatkan kemudahan akses investor untuk investasi pasar modal.
Allo Bank was appointed as one of the Customer Fund Account
Administrator Banks and Payment Banks for the 2024-2029 period by
KSEI. This collaboration with the RDN Administrator Bank and Payment
Bank under KSEI is part of Allo Bank’s efforts to enhance investor
access to capital market investments.
September Seminar Risk Awareness dan
September Sosialisasi APU PPT & PPPSPM
Risk Awareness Seminar and Socialization
of AML-CTF & CPF
Bank menyelenggarakan seminar manajemen risiko dengan
mengangkat tema: “Managing Risk in Digital Banking: Innovate Safely
or Risk it All?” yang membahas bagaimana untuk berinovasi di dunia
digital dengan terus memperhatikan semua risikonya. Di samping itu,
Bank juga mengadakan sosialisasi dan mengundang pembicara dari
PPATK untuk berbagi best practices mengenai APU PPT dan PPPSPM.
The Bank organized a risk management seminar themed: “Managing
Risk in Digital Banking: Innovate Safely or Risk It All?” The seminar focused on how to innovate
in the digital world while carefully managing associated risks. Additionally, the Bank conducted a
socialization event and invited speakers from PPATK to share best practices on AML-CTF and CPF.
24 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 27
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
COBIT Assessment
Allo Bank memperoleh assessment COBIT 2019 dengan Tingkat Maturitas TI di
level 4,21 pada 10 September 2024. Keberhasilan tersebut menjadi pemenuhan
salah satu komitmen dan dedikasi Bank dalam menerapkan standar terbaik
dalam tata kelola teknologi informasi. Pencapaian ini merupakan bentuk
keseriusan Bank dalam berinovasi secara terus menerus dan memastikan bahwa
setiap proses bisnis yang menggunakan teknologi informasi berjalan dengan
baik, terkontrol, dan berkelanjutan.
Allo Bank successfully obtained a COBIT 2019 assessment with an IT Maturity
Level of 4.21 on September 10, 2024. This achievement underscores
the Bank’s commitment to implementing the best practices in IT governance, ensuring that all business
processes using technology are well-managed, controlled, and sustainable.
Oktober Allo Friends Day
October
Bank menggelar Allo Friends Day pada 19-20 Oktober 2024 untuk
memperkenalkan Brand Ambassador dan Campaign baru di Trans Studio
Mall Cibubur, yang akan menjadi wajah dan suara baru untuk Allo Bank,
yakni Wonwoo dan Mingyu dari grup Seventeen yang merupakan boyband
asal Korea Selatan. Kehadiran Brand Ambassador ini diharapkan dapat
menciptakan keterhubungan yang lebih dalam antara Allo Bank dan nasabah,
serta memperkuat brand awareness Allo Bank di pasaran.
On October 19–20, 2024, Allo Bank held Allo Friends Day at Trans Studio Mall
Cibubur to introduce its new Brand Ambassadors, Wonwoo and Mingyu from
the South Korean boy band Seventeen. Their presence aims to deepen
connections with customers and strengthen Allo Bank’s brand awareness in the
market.
Pencapaian 11 Juta Nasabah November
Achievement of 11 Million Customers November
Per akhir November 2024, Allo Bank berhasil mencatatkan pencapaian
11 juta nasabah yang tersebar di seluruh Indonesia.
By the end of November 2024, Allo Bank proudly recorded a milestone
of 11 million customers spread across Indonesia.
Juta Nasabah
Million Customers
Desember Allo Temu
December
Allo Bank mengadakan Allo Temu 2024, sebagai acara employee outing
tahunan ketiga dengan mengangkat tema “Stronger Together: Celebrating
Unity and Culture”. Acara ini bertujuan untuk mendorong keterlibatan dan
partisipasi karyawan dan juga meningkatkan lingkungan kerja yang lebih baik
dan team engagement agar semakin terjalin erat.
The Bank held Allo Temu 2024, its third annual employee outing event, with
the theme “Stronger Together: Celebrating Unity and Culture”. The event
aimed to encourage employee involvement and participation while fostering
a positive working environment and enhancing team cohesion.
2024 Annual Report & Sustainability Report
25
Page 28
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Laporan Laporan Manajemen Management Report Management Report 26 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 29
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
2024 Annual Report & Sustainability Report
27
Page 30
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Laporan
Dewan Komisaris Board of Commissioners Report
Aviliani
Komisaris Utama Independen
Independent President Commissioner
Para Pemegang Saham dan Pemangku Dear Esteemed Shareholders and
Kepentingan yang Terhormat, Stakeholders,
Puji syukur kami panjatkan ke hadirat Tuhan Yang Maha We express our gratitude to God Almighty for enabling
Esa, sehingga PT Allo Bank Indonesia Tbk bisa melewati PT Allo Bank Indonesia Tbk to navigate the challenges
tahun 2024 yang penuh tantangan dengan hasil yang of 2024 and achieve positive results. In fulfilling its
baik. Dalam menjalankan fungsi strategisnya, Dewan strategic function, the Board of Commissioners has
Komisaris telah melakukan tugas pengawasan dan carried out its duty of overseeing and advising the
pemberian nasihat kepada Direksi, bertanggung jawab Board of Directors with responsibility and due diligence
dan penuh kehati-hatian demi kelangsungan usaha Bank. to ensure the Bank’s business continuity. The Board of
Fokus pengawasan dan pemberian nasihat oleh Dewan Commissioners’ focus in 2024 included overseeing the
Komisaris dalam tahun 2024 meliputi perencanaan planning and implementation of the Bank’s Business Plan
dan pelaksanaan Rencana Bisnis Bank (RBB), tindak (RBB), following up on and providing recommendations
lanjut dan rekomendasi atas keputusan Rapat Umum regarding decisions made at the General Meeting of
Pemegang Saham (RUPS), penerapan Tata Kelola Shareholders (GMS), ensuring the implementation of
Perusahaan yang Baik, efektivitas sistem pengendalian Good Corporate Governance, assessing the effectiveness
28 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 31
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
internal dan penerapan budaya Perseroan of the internal control system, fostering
serta pelaksanaan ketentuan perundang- the Company’s culture, and ensuring
undangan yang berlaku. compliance with applicable laws and
regulations.
Pengawasan Terhadap Kebijakan Supervision of the Board of
Strategis Direksi Directors’ Strategic Policies
Dewan Komisaris secara proaktif meninjau The Board of Commissioners proactively
dan memonitor implementasi kebijakan reviews and monitors the implementation
dan strategi yang ditetapkan pada awal of policies and strategies established at the
tahun bersama Direksi, pada pengelolaan beginning of the year, working closely with
Bank. Dewan Komisaris juga secara terus the Board of Directors in managing the
menerus melakukan review atas inisiatif Bank. Additionally, the Board continuously
strategis sesuai dengan Rencana Bisnis evaluates strategic initiatives aligned with
Bank yang dijalankan Direksi dan kinerja the Bank’s Business Plan, as executed
yang dihasilkan Bank. Terkait hal ini, Dewan by the Board of Directors, and assesses
Komisaris memberikan rekomendasi atas the Bank’s performance. In this regard,
kendala-kendala yang dihadapi untuk the Board of Commissioners provides
merealisasikan target tersebut. recommendations to address any obstacles
encountered in achieving the set targets.
Berdasarkan pengawasan yang telah Based on the oversight conducted—both
dilakukan Dewan Komisaris baik melalui through discussions with the Board of
pembahasan dengan Direksi terkait kinerja Directors regarding the Bank’s performance
Bank, maupun dengan turun langsung ke and direct field observations—the Board of
lapangan, Dewan Komisaris menilai bahwa Commissioners assesses that the Board of
Direksi telah menjalankan perannya sesuai Directors has fulfilled its role in accordance
dengan rencana kerja tahunan, visi dan with the annual work plan, the Bank’s vision
misi serta arahan strategis dari Pemegang and mission, and the strategic direction
Saham. Secara umum, kami mengingatkan set by the Shareholders. In general, we
Direksi untuk terus melakukan berbagai inisiatif untuk meningkatkan remind the Board of Directors to continue undertaking various
pendapatan, memperbaiki kinerja keuangan dan rentabilitas Bank initiatives to increase revenue, enhance financial performance and
secara berkesinambungan, melakukan perencanaan bisnis Bank profitability, and execute business planning accurately and effectively
secara tepat dan akurat dengan memperhatikan sumber daya while considering available resources. Furthermore, we emphasize
yang ada, mematuhi ketentuan internal dan eksternal serta terus the importance of adhering to internal and external regulations
memperhatikan manajemen risiko secara prudent dan ketaatan while maintaining prudent risk management and compliance with
pada ketentuan/peraturan yang berlaku. applicable provisions.
Namun demikian, kami juga memahami bahwa Bank masih berada However, we acknowledge that the Bank is still in the transition
dalam masa transisi model bisnis dari kredit wholesale sampai kredit phase of its business model, shifting from wholesale credit to digital
segmen digital dapat mencapai tingkat yang optimal. Kami juga segment credit to achieve optimal performance. We also commend
mengapresiasi kinerja Manajemen yang telah mencapai banyak Management for its significant progress, especially given the Bank’s
kemajuan mengingat usia Bank yang relatif baru dalam menghadapi relatively young age and the challenging economic conditions.
kondisi perekonomian yang penuh tantangan dan kebutuhan/ Moreover, we recognize Management’s efforts in responding to
ekspektasi nasabah yang semakin dinamis atas produk dan jasa increasingly dynamic customer needs and expectations for banking
yang ditawarkan industri perbankan. products and services.
2024 Annual Report & Sustainability Report
29
Page 32
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Pandangan Dewan Komisaris atas Kinerja Direksi Views of the Board of Commissioners on the
Performance of the Board of Directors
Tahun 2024 merupakan tahun yang sangat menantang bagi Allo The year 2024 has been highly challenging for Allo Bank. However,
Bank, namun Perseroan tetap melakukan upaya-upaya dalam rangka the Company has consistently strived to achieve its set targets.
mencapai target yang telah ditetapkan. Dalam rangka menjalankan Throughout 2024, the Board of Commissioners has continuously
operasional Bank selama tahun 2024, Dewan Komisaris selalu provided guidance to the Board of Directors, emphasizing the
memberikan arahan kepada Direksi agar senantiasa fokus dalam importance of prudent business management. Regarding the
melakukan pengelolaan bisnis secara prudent. Adapun terkait strategic initiatives undertaken by the Board of Directors in 2024,
inisiatif strategis yang dijalankan Direksi di tahun 2024, Dewan the Board of Commissioners considers them to be aligned with
Komisaris menilai telah sejalan dengan rencana yang ditetapkan the plans outlined in the Bank’s Business Plan.
dalam Rencana Bisnis Bank.
Dewan Komisaris senantiasa mendukung strategi Bank untuk The Board of Commissioners remains supportive of the Bank’s
mengembangkan produk dan layanan perbankan digital. strategy to develop digital banking products and services. These
Layanan tersebut dilakukan melalui kolaborasi dengan ekosistem efforts have been carried out through collaborations within and
baik di dalam maupun diluar Group CT Corpora, dengan cara beyond the CT Corpora Group ecosystem by strengthening the
memperkuat cakupan infrastruktur physical & digital (phygital) dan integration of physical and digital (“phygital”) infrastructure and
mengembangkan kapabilitas teknologi dan data terbaik agar Bank enhancing technological and data capabilities. These initiatives aim
dapat terus meningkatkan akuisisi dan engagement serta kualitas to improve customer acquisition and engagement while ensuring
layanan nasabah. high-quality service delivery.
Dengan mempertimbangkan positioning Bank sebagai bank umum Given the Bank’s position as a digital-based conventional bank, the
berbasis digital, Dewan Komisaris terus mengingatkan Direksi Board of Commissioners consistently reminds the Board of Directors
untuk terus vigilant dan meningkatkan kapabilitas manajemen risiko to remain vigilant and strengthen risk management practices.
khususnya terkait risiko kredit, risiko operasional yang disebabkan This includes addressing credit risk, operational risk related to IT
kegagalan atau error pada sistem TI, risiko siber (cyber security), system failures or errors, cybersecurity threats, compliance risks,
risiko kepatuhan dan risiko reputasi. Di samping itu, kami juga and reputational risks. Additionally, we urge the Board of Directors
mengingatkan Direksi agar terus bersikap proaktif terkait dengan to take a proactive approach in handling inquiries and complaints,
penanganan inquiries dan komplain yang diterima, mengidentifikasi identifying root causes, and formulating effective solutions to
root cause permasalahan dan merumuskan solusi yang tepat dalam enhance customer satisfaction.
menindaklanjuti keluhan guna terus meningkatkan kepuasan
nasabah.
Mengingat Allo Bank merupakan bank umum berbasis digital, As a digital-based conventional bank, Allo Bank must continuously
Dewan Komisaris menyarankan Direksi untuk terus meningkatkan enhance its information technology infrastructure and refine digital
kapasitas dan kapabilitas infrastruktur teknologi informasi serta business processes to keep pace with evolving customer behavior,
perbaikan mekanisme proses bisnis digital yang terus dikembangkan expectations, and industry demands. To support this, the Board
sesuai tuntutan, behaviour dan ekspektasi masyarakat yang dinamis of Commissioners advises the Board of Directors to ensure the
didukung dengan infrastruktur back-up yang mumpuni sehingga development of robust backup infrastructure, thereby enhancing
meningkatkan sustainability dan reliability layanan Bank kepada the sustainability and reliability of the Bank’s services. In this regard,
nasabah. Terkait hal ini, Dewan Komisaris menyampaikan apresiasi the Board of Commissioners extends its appreciation to the Board
kepada Direksi atas selesainya proses pembangunan Data Center of Directors for successfully completing the construction of the new
yang baru di tahun 2024. Fasilitas ini akan berfungsi sebagai tulang Data Center in 2024. This facility will serve as the backbone of the
punggung infrastruktur TI, dalam rangka meningkatkan bisnis sesuai Bank’s IT infrastructure, strengthening its business operations and
dengan harapan para stakeholders agar bisnis Bank dapat terus aligning with stakeholder expectations to support future growth.
berkembang di masa depan.
30 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 33
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Dewan Komisaris juga senantiasa mendukung upaya Bank untuk The Board of Commissioners also remains committed to supporting
terus mengembangkan berbagai produk dan layanan yang inovatif the Bank’s continuous development of innovative products and
dan memenuhi kebutuhan nasabah secara kontekstual. Sesuai services that cater to evolving customer needs. In line with its role,
dengan perannya, Dewan Komisaris akan terus memberikan the Board of Commissioners will continue to provide motivation,
motivasi, arahan dan masukan sebagai bagian dari upaya untuk guidance, and insights to drive the Bank’s sustainable growth.
mendorong pertumbuhan yang berkesinambungan di masa depan. The Board of Directors’ performance assessment, conducted by
Penilaian atas kinerja Direksi yang dilakukan Dewan Komisaris the Board of Commissioners, also takes into account shareholder
juga didasarkan pada arahan pemegang saham. Secara umum, directives. Overall, the Board of Commissioners is of the opinion
Dewan Komisaris berpendapat pada tahun 2024 Direksi telah that in 2024, the Board of Directors has managed the Company’s
melaksanakan tugas kepengurusan Perusahaan dengan sangat operations effectively and successfully.
baik.
Mekanisme dan Frekuensi Pemberian Nasihat kepada Mechanism and Frequency of Providing Advice to
Direksi Board of Directors
Sesuai dengan peraturan dan perundang-undangan yang berlaku, In accordance with applicable laws and regulations, the role of
keberadaan Dewan Komisaris memperkuat fungsi pengawasan the Board of Commissioners strengthens the supervisory function
bagi pengelolaan Bank yang dilakukan oleh Direksi. Untuk itu, over the Bank’s management, which is carried out by the Board of
hubungan kerja antara Dewan Komisaris dan Direksi dibangun Directors. To this end, the working relationship between the Board
melalui kesamaan pandangan untuk mencapai visi Bank. of Commissioners and the Board of Directors is built upon a shared
vision to achieve the Bank’s objectives.
Dewan Komisaris secara rutin mengadakan pertemuan dengan The Board of Commissioners regularly holds meetings with
Direksi untuk membahas berbagai hal terkait pengelolaan Bank yang the Board of Directors to discuss various matters related to the
dijalankan oleh Direksi dalam rapat gabungan Dewan Komisaris Bank’s management. These discussions take place during joint
dan Direksi. Dalam forum tersebut, Dewan Komisaris meminta meetings between the Board of Commissioners and the Board of
penjelasan dari Direksi mengenai pencapaian kinerja Bank dan Directors. In these forums, the Board of Commissioners requests
berbagai kendala yang dihadapi. Dewan Komisaris juga senantiasa explanations from the Board of Directors regarding the Bank’s
menyampaikan pandangan dan memberikan nasihat kepada Direksi performance achievements and the challenges encountered. The
terhadap implementasi strategi yang dijalankan dengan senantiasa Board of Commissioners also consistently shares its perspectives
menempatkan pengawasan atas implementasi strategi Bank sebagai and provides guidance to the Board of Directors on strategy
salah satu prioritas. implementation, always prioritizing the oversight of the Bank’s
strategic execution.
Sepanjang tahun 2024, Dewan Komisaris telah melaksanakan Throughout 2024, the Board of Commissioners held 12 (twelve)
rapat gabungan dengan mengundang Direksi sebanyak 12 (dua joint meetings with the Board of Directors, achieving a 100 percent
belas) kali, dengan tingkat kehadiran Dewan Komisaris dalam attendance rate. In addition to these joint meetings, the Board of
rapat secara keseluruhan adalah 100 persen. Selain forum rapat Commissioners’ committees—namely the Audit Committee, the
gabungan, organ Dewan Komisaris, yaitu Komite Audit, dan Komite Risk Oversight Committee, and the Remuneration and Nomination
Pemantau Risiko serta Komite Remunerasi dan Nominasi juga Committee—also conducted meetings with the relevant Directorates
melakukan rapat dengan mengundang Direktorat dan Divisi terkait and Divisions to discuss matters within their respective areas of
untuk membahas bidang-bidang yang menjadi tanggung jawab responsibility.
masing-masing Komite.
2024 Annual Report & Sustainability Report
31
Page 34
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Pandangan atas Prospek Usaha yang Disusun oleh Views on Business Prospects Prepared by Board of
Direksi Directors
Sebagaimana dikutip dari Buku Pertemuan tahunan Bank Indonesia As stated in the Bank Indonesia Annual Meeting Book 2024,
2024 yang dirilis pada 29 November 2024, menjelaskan bahwa released on November 29, 2024, changes in the global geopolitical
perubahan lanskap geopolitik dunia berdampak pada semakin landscape have heightened uncertainty, leading to capital outflows
tingginya ketidakpastian global, keluarnya aliran portofolio asing from emerging markets (EMEs) to the United States and increased
dari pasar negara berkembang (Emerging Market/EMEs) ke Amerika pressure on the exchange rates of various world currencies,
Serikat, dan meningkatnya tekanan pelemahan nilai tukar berbagai including the Rupiah. As a result, Bank Indonesia’s monetary
mata uang dunia, termasuk Rupiah. Karena itu, kebijakan moneter policy remains focused on stabilizing the Rupiah exchange rate
Bank Indonesia masih difokuskan pada stabilisasi nilai tukar Rupiah to mitigate the global impact of rising inflation while maintaining
untuk memitigasi dampak global terhadap kenaikan inflasi, stabilitas macroeconomic and financial system stability and supporting the
makroekonomi dan sistem keuangan, serta proses pemulihan national economic recovery process.
ekonomi nasional.
Kebijakan moneter dimaksud akan dilakukan secara konsisten dan The planned monetary policy will be implemented consistently
terukur dengan tetap mempertimbangkan tercapainya sasaran and prudently, taking into account the achievement of inflation
inflasi dan perlunya mendukung pertumbuhan ekonomi dalam targets and the need to sustain economic growth in 2025 and
tahun 2025 dan 2026 mendatang. Keseimbangan antara stabilitas 2026. This balanced approach—combining stability and growth
dan pertumbuhan (“pro-stability and growth”) ini yang menjadi (“pro-stability and growth”)—will guide monetary policy in 2025.
arah kebijakan moneter tahun 2025 mendatang. Bank Indonesia Bank Indonesia projects that bank credit will grow between 11–13
memperkirakan kredit perbankan tumbuh dalam rentang 11-13 percent in 2025, driven by growth in investment loan, working
persen pada 2025 dengan didukung oleh pertumbuhan kredit capital loan, and consumer loan. Additionally, Bank Indonesia
investasi, kredit modal kerja, dan kredit konsumsi. Bank Indonesia foresees an improving economic outlook for Indonesia in 2025,
melihat bahwa prospek perekonomian Indonesia pada 2025 akan with higher growth, low inflation, and a stronger exchange rate.
makin baik dengan pertumbuhan yang lebih tinggi, inflasi yang
rendah dan nilai tukar yang menguat.
Dalam rangka menjawab tantangan usaha ke depan, Dewan In order to address future business challenges, the Board of
Komisaris meyakini bahwa kerangka kerja strategi tiga pilar Commissioners believes that the three-pillar strategic framework
yang diformulasikan Direksi terkait pengembangan produk dan formulated by the Board of Directors for the development of new
aktivitas baru sudah tepat: Acquisition sebagai upaya Bank untuk products and activities is the right approach. These three pillars
mendapatkan nasabah baru yang berkualitas melalui kolaborasi are: Acquisition, as the Bank’s effort to attract new high-quality
strategis; Engagement sebagai upaya untuk menjaga nasabah customers through strategic collaboration; Engagement, as an
yang sudah ada agar semakin aktif menggunakan produk dan initiative to retain existing customers by encouraging more active
layanan Bank; dan Monetization sebagai upaya untuk menghasilkan use of the Bank’s products and services; and Monetization, as a
pendapatan dari pengguna produk dan layanan Bank. strategy to generate revenue from users of the Bank’s products
and services.
Dewan Komisaris juga menilai bahwa Integrasi layanan finansial The Board of Commissioners also supports the integration of
dengan ekosistem mitra baik di lingkup CT Corpora maupun mitra financial services with partner ecosystems, both within CT Corpora
strategis lainnya untuk meraih potensi pasar yang luas secara online and with other strategic partners. This “ecosystem-first” approach,
maupun offline (ecosystem first) merupakan langkah strategis yang which combines online and offline market potential, is considered
baik dalam rangka memperluas peluang usaha di masa depan. a strong strategic step for expanding future business opportunities.
Dewan Komisaris berpendapat bahwa target-target dan langkah The Board of Commissioners believes that the targets and strategic
strategis yang ditetapkan Direksi pada Rencana Bisnis Bank steps set by the Board of Directors in the Bank’s Business Plan
merupakan target yang realistis dan sangat mungkin untuk are realistic and achievable. Furthermore, the strategies being
direalisasikan. Demikian juga dengan strategi yang akan dijalankan, implemented align with the Bank’s medium- and long-term plans.
telah sejalan dengan rencana jangka menengah dan panjang For this reason, the Board of Commissioners fully supports these
Bank. Untuk itu, Dewan Komisaris sepenuhnya mendukung dan initiatives and will continue to provide guidance to ensure their
senantiasa akan memberikan dukungan agar target-target tersebut successful realization.
dapat tercapai dengan baik.
32 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 35
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Pandangan Dewan Komisaris Terhadap Tata Kelola Board of Commissioners’ Views on Corporate
Perusahaan Governance
Dewan Komisaris berkomitmen untuk mendukung keberlanjutan The Board of Commissioners is committed to supporting the Bank’s
bisnis Bank dengan mengawasi kinerja Direksi dalam mengelola long-term sustainability by overseeing the Board of Directors’
Bank, salah satunya melalui penerapan Tata Kelola Perusahaan yang performance in managing the Bank, particularly through the
Baik. Secara umum, Bank senantiasa berupaya menerapkan prinsip- implementation of Good Corporate Governance. In general, the
prinsip Good Corporate Governance (transparency, accountability, Bank continuously strives to uphold the principles of Good Corporate
responsibility, independency, and fairness) dalam menjalankan Governance (transparency, accountability, responsibility, independence,
kegiatan usahanya melalui aspek-aspek governance structure dan and fairness) in its business operations. These principles are embedded
governance process yang mendukung governance outcome secara in the governance structure and governance processes, which
memadai terhadap 11 faktor penilaian pelaksanaan GCG sesuai adequately support governance outcomes in alignment with the 11
dengan POJK No. 17/POJK.03/2023 mengenai Penerapan Tata GCG implementation assessment factors, as outlined in POJK No.
kelola bagi Bank Umum dan Surat Edaran Otoritas Jasa Keuangan 17/POJK.03/2023 concerning the Implementation of Governance
No. 13/SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Bank for Conventional Bank and the Financial Services Authority Circular
Umum Letter No. 13/SEOJK.03/2017 concerning the Implementation of
Governance for Conventional Bank.
Terkait aspek governance structure, Dewan Komisaris menilai Regarding governance structure, the Board of Commissioners
bahwa struktur organisasi Bank sudah cukup memadai untuk considers the Bank’s organizational structure to be well-designed,
mendukung keberlanjutan bisnis secara prudent yang diimbangi ensuring prudent business sustainability while maintaining effective
dengan penerapan manajemen risiko. Komposisi susunan pengurus risk management. The Bank’s management composition meets
Bank telah memenuhi ketentuan. Bank memiliki Komite Audit, all regulatory requirements. The Bank has established an Audit
Komite Pemantau Risiko, serta Komite Remunerasi dan Nominasi Committee, a Risk Oversight Committee, and a Remuneration
di bawah Dewan Komisaris, serta pembentukan berbagai Komite and Nomination Committee under the Board of Commissioners,
di bawah Direksi sesuai ketentuan. along with various committees under the Board of Directors, all in
accordance with applicable regulations.
Seluruh karyawan telah melakukan penandatanganan Kode Etik All employees have signed the Code of Ethics, which is periodically
yang dimonitor secara berkala untuk dapat memastikan bahwa monitored to ensure proper understanding and implementation.
mereka telah memahami dan mengimplementasikan Kode Etik In terms of human resource development, the Bank has designed
dengan baik. Terkait sumber daya manusia, Bank telah menyusun employee training and development programs, considering the
program pengembangan dan pelatihan karyawan dengan training needs at all organizational levels and work units. This
mempertimbangkan kebutuhan pelatihan bagi pegawai di seluruh includes the Induction Training program, which is mandatory for
jenjang organisasi dan unit kerja, seperti menerapkan program all new employees.
Induction Training bagi seluruh karyawan baru.
Terkait aspek governance process, Dewan Komisaris menilai bahwa Regarding governance processes, the Board of Commissioners
Direksi telah menerapkan proses-proses yang berjalan secara assesses that the Board of Directors has effectively implemented
independen dan efektif, khususnya terkait manajemen risiko dan independent and structured processes, particularly in risk
pengendalian internal agar risiko-risiko yang mungkin timbul dapat management and internal control, ensuring that potential risks
dikelola dengan baik. are properly mitigated.
2024 Annual Report & Sustainability Report
33
Page 36
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Keputusan hasil rapat pengurus Bank dilakukan secara musyawarah Decisions made in the Bank’s management meetings follow a
untuk mufakat. Direksi dan Dewan Komisaris melakukan rapat deliberative process to reach a consensus. The Board of Directors
gabungan sesuai dengan ketentuan yang berlaku dan kebutuhan and the Board of Commissioners hold joint meetings as required
Bank. Rapat berbagai komite telah dilaksanakan secara rutin dan by regulations and the Bank’s operational needs. Additionally,
didokumentasikan dalam risalah rapat. Secara umum, kami menilai committee meetings are held regularly, with discussions
bahwa pelaksanaan tugas dan tanggung jawab Fungsi Kepatuhan documented in meeting minutes. In general, we assess that the
telah berjalan baik dalam melakukan pengawasan kepatuhan bisnis Compliance Function has been effectively carried out, ensuring
dan operasional pada seluruh jenjang organisasi Bank, seperti business and operational compliance at all levels of the organization.
memberikan opini kepatuhan terhadap produk dan/atau aktivitas This includes providing compliance opinions on new products
baru serta kebijakan dan prosedur Bank. Dalam penyusunan and activities, as well as on the Bank’s policies and procedures.
Rencana Bisnis Bank, Direksi dan Dewan Komisaris telah melibatkan In preparing the Bank’s Business Plan, the Board of Directors
seluruh jajaran organisasi dengan mempertimbangkan rencana and the Board of Commissioners have involved all levels of the
kerja tahunan setiap fungsi/unit kerja. organization, ensuring alignment with the annual work plans of
each function and work unit.
Penilaian Kinerja Komite di Bawah Dewan Komisaris Performance Assessment of Committees under Board
of Commissioners
Penilaian kinerja organ dan komite di bawah Dewan Komisaris The performance assessment of the committees and supporting
dilakukan baik secara kolegial maupun individual. Penilaian organs under the Board of Commissioners is conducted both
dilakukan oleh Dewan Komisaris dengan berdasarkan parameter collegially and individually. The Board of Commissioners evaluates
kriteria kelengkapan dan pelaksanaan tugas komite dan organ these entities based on specific criteria, including the completeness
pendukung. Sepanjang tahun 2024, organ dan komite di bawah of their structure and the effectiveness of their duties. Throughout
Dewan Komisaris yang terdiri dari Komite Audit, Komite Pemantau 2024, the committees under the Board of Commissioners—
Risiko, serta Komite Remunerasi dan Nominasi telah melakukan the Audit Committee, the Risk Oversight Committee, and the
tugas dan fungsinya dengan baik dalam membantu Dewan Remuneration and Nomination Committee—have effectively
Komisaris dalam melakukan pengawasan terhadap pengelolaan carried out their roles in assisting the Board of Commissioners in
Bank. overseeing the Bank’s management.
Penilaian terhadap kinerja ketiga komite pendukung dilakukan The performance evaluation of these three supporting committees
secara kualitatif, meliputi keaktifan komite dalam menjalankan is conducted qualitatively, considering factors such as their level of
tugasnya, proses dokumentasi, dan rekomendasi yang diberikan. engagement, the documentation process, and the recommendations
Di sepanjang tahun 2024, Komite Audit melakukan 15 (lima belas) provided. In 2024, the Audit Committee held 15 (fifteen) meetings,
kali rapat, Komite Pemantau Risiko melakukan 12 (dua belas) kali the Risk Oversight Committee held 12 (twelve) meetings, and the
rapat, serta Komite Remunerasi dan Nominasi melakukan 7 (tujuh) Remuneration and Nomination Committee held 7 (seven) meetings.
kali rapat. Dengan seluruh pelaksanaan tugas yang telah dilakukan In recognition of their contributions, the Board of Commissioners
oleh seluruh anggota komite, Dewan Komisaris menyampaikan expresses its appreciation and gratitude to all committee members
apresiasi dan rasa terima kasihnya kepada seluruh anggota komite for their dedication and efforts in fulfilling their responsibilities.
di bawah Dewan Komisaris.
34 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 37
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Perubahan Komposisi Dewan Komisaris Changes in Board of Commissioners Composition
Sepanjang tahun 2024 komposisi Dewan Komisaris Bank tidak Throughout 2024, there were no changes in the composition of
mengalami perubahan. Dengan demikian, susunan komposisi the Bank’s Board of Commissioners. As of December 31, 2024,
Dewan Komisaris per 31 Desember 2024 adalah sebagai berikut: the Board of Commissioners consists of the following members:
Nama Jabatan Dasar Pengangkatan Masa Jabatan Periode Jabatan
Name Position Basis of Appointment Term of Office Period
Aviliani Komisaris Utama RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Independen Annual GMS May 31, 2024 2024 - Annual GMS in 2027 Second
Independent President
Commissioner
Rosmaya Komisaris Independen RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Independent Annual GMS May 31, 2024 2024 - Annual GMS in 2027 Second
Commissioner
Ali Gunawan Komisaris RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Commissioner Annual GMS May 31, 2024 2024 - Annual GMS in 2027 Second
Penutup Closing
Pada kesempatan ini, izinkan saya mewakili segenap Dewan On behalf of the entire Board of Commissioners, I would like
Komisaris menyampaikan apresiasi kami kepada pemegang saham to extend our deepest appreciation to our shareholders and
dan pemangku kepentingan atas kepercayaan dan dukungan stakeholders for their continued trust and support. Our heartfelt
yang diberikan selama ini. Apresiasi dan penghargaan terdalam gratitude also goes to the Board of Directors, Management, and
juga kami tujukan kepada segenap Direksi, jajaran Manajemen all employees for their hard work and dedication in driving the
dan seluruh karyawan atas kerja keras serta dedikasi dalam upaya Bank’s growth and development. Additionally, we express our
pengembangan Bank menjadi lebih baik lagi. Tak lupa kami juga sincere appreciation to our customers, business partners, and other
memberikan apresiasi yang sebesar-besarnya kepada para nasabah, stakeholders for their unwavering support and confidence in us.
mitra bisnis maupun pemangku kepentingan lainnya atas dukungan
dan kepercayaan kepada kami.
Sebagai penutup, mari kita berusaha dengan maksimal dan berdoa. As we conclude this report, let us continue to give our best efforts
Semoga segala upaya yang telah dilakukan di tahun 2024 ini and pray for success. May all the hard work carried out in 2024,
maupun tantangan yang menanti pada tahun 2025 dapat kita lalui along with the challenges ahead in 2025, be met with positive
bersama dengan hasil yang positif dan berkelanjutan. and sustainable results.
Jakarta, Maret | March 2024
Aviliani
Komisaris Utama Independen
Independent President Commissioner
2024 Annual Report & Sustainability Report
35
Page 38
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Laporan
Direksi Board of Directors Report
Indra Utoyo
Direktur Utama
President Director
Para Pemegang Saham dan Pemangku Dear Esteemed Shareholders and
Kepentingan yang Terhormat, Stakeholders,
Di sepanjang tahun 2024, semua sektor usaha masih Throughout 2024, all business sectors continued to
dihadapkan dengan tantangan ketidakpastian, tak face challenges amid ongoing uncertainty, including
terkecuali sektor perbankan. Namun demikian, PT the banking sector. However, PT Allo Bank Indonesia
Allo Bank Indonesia Tbk senantiasa berusaha secara Tbk remained committed to navigating these challenges
optimal melalui berbagai kebijakan strategis dalam by implementing various strategic policies to achieve
rangka menjawab tantangan usaha dan mencapai hasil optimal results. This annual report serves as part of the
yang maksimal. Laporan tahunan ini menjadi bagian dari management’s accountability in outlining the Bank’s
pelaporan manajemen atas strategi dan kinerja Bank di strategies and performance throughout 2024, as well
sepanjang tahun 2024, sekaligus menjadi dokumentasi as documenting the Company’s journey in realizing its
atas perjalanan Perseroan untuk mencapai visi dan misi vision and mission.
yang telah dicanangkan.
36 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 39
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tinjauan Makro Ekonomi Macroeconomic Review
Sebagaimana dikutip dari Tinjauan According to the December 2024
Kebijakan Moneter Desember 2024 yang Monetary Policy Review released by
dirilis Bank Indonesia, mengungkapkan Bank Indonesia, global financial market
bahwa Ketidakpastian pasar keuangan uncertainty increased alongside the risk
global semakin meningkat disertai dengan of a slowdown in global economic growth.
risiko perlambatan pertumbuhan ekonomi The United States (US) trade policy, which
dunia. Rencana kebijakan perdagangan includes raising import tariffs on various
di Amerika Serikat (AS) melalui kenaikan commodities and expanding country
tarif impor, komoditas, dan cakupan negara coverage, has heightened the risk of global
yang lebih luas telah menyebabkan risiko trade fragmentation.
peningkatan fragmentasi perdagangan
dunia.
Inflasi dunia meningkat dibandingkan Global inflation rose beyond previous
prakiraan sebelumnya dipengaruhi oleh estimates due to ongoing supply chain
gangguan rantai suplai. Di AS, penurunan disruptions. In the US, the anticipated cut
Fed Funds Rate (FFR) diperkirakan lebih in the Fed Funds Rate (FFR) is expected
lambat akibat inflasi yang lebih tinggi to be delayed due to persistently high
tersebut. Sementara itu, kebijakan fiskal inflation. Meanwhile, a more expansionary
AS yang lebih ekspansif mendorong yield US fiscal policy has driven US Treasury
US Treasury tetap tinggi, baik pada tenor yields to remain high across both short-
jangka pendek maupun jangka panjang. term and long-term tenors. The continued
Penguatan mata uang dolar AS secara strengthening of the US dollar has led to
luas terus berlanjut disertai berbaliknya a shift in global investor preferences, with
preferensi investor global dengan portfolios being reallocated back to the US.
memindahkan alokasi portofolionya kembali This shift has increased pressure on various
ke AS. Hal ini meningkatkan tekanan world currencies and limited foreign capital
pelemahan berbagai mata uang dunia dan menahan aliran masuk inflows into developing countries. Given these global economic
modal asing ke negara berkembang. Perkembangan ekonomi developments and persistent uncertainty in financial markets,
global yang diikuti dengan tetap tingginya ketidakpastian pasar strong policy responses are required to mitigate negative impacts
keuangan global tersebut memerlukan respons kebijakan yang on the economies of developing countries, including Indonesia.
kuat untuk memitigasi dampak negatifnya terhadap perekonomian
di negara-negara berkembang, termasuk Indonesia.
Namun demikian, Pertumbuhan ekonomi Indonesia tetap terjaga Despite these challenges, Indonesia’s economic growth remained
didukung oleh permintaan domestik. Investasi diperkirakan tumbuh stable, supported by strong domestic demand. Investment was
positif pada triwulan IV 2024 ditopang oleh penyelesaian berbagai expected to grow positively in the fourth quarter of 2024, driven
Proyek Strategis Nasional (PSN) dan investasi swasta didukung by the completion of various National Strategic Projects (PSN)
insentif dari Pemerintah. Konsumsi rumah tangga diperkirakan tetap and private sector investments, which were further encouraged
tumbuh didorong oleh keyakinan konsumen yang terjaga serta by government incentives. Household consumption continued to
dampak positif pelaksanaan Pilkada di berbagai daerah. Konsumsi rise, fueled by sustained consumer confidence and the positive
Pemerintah lebih tinggi seiring dengan kenaikan aktivitas belanja impact of regional elections held in various parts of the country.
2024 Annual Report & Sustainability Report
37
Page 40
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Pemerintah pada akhir tahun. Sementara itu, ekspor nonmigas Government spending also increased toward the end of the year,
diprakirakan melambat dipengaruhi ekonomi global yang belum further driving economic activity. However, non-oil and gas exports
kuat. Secara sektoral, pertumbuhan juga ditopang terutama oleh were projected to slow down due to weak global demand. Sector-
Sektor Industri Pengolahan, Konstruksi, serta Perdagangan Besar wise, growth was primarily supported by the Manufacturing Industry,
dan Eceran. Secara keseluruhan tahun, pertumbuhan ekonomi Construction, and Wholesale and Retail Trade Sectors. Overall,
2024 diperkirakan berada dalam kisaran 4,7–5,5% dan meningkat Indonesia’s economic growth in 2024 was estimated to be within
menjadi 4,8–5,6% pada 2025. the range of 4.7%–5.5%, with expectations of further growth in
2025 to 4.8%–5.6%.
Tinjauan Segmen Industri Industry Segment Overview
Bank Indonesia juga menyatakan bahwa ketahanan sistem keuangan Bank Indonesia reported that the financial system remained
terjaga baik, termasuk pada industri perbankan. Likuiditas perbankan resilient, including within the banking industry. Banking liquidity
tetap memadai, tercermin dari rasio Alat Likuid terhadap Dana was well-maintained, as reflected in the Liquid Assets to Third
Pihak Ketiga (AL/DPK) pada November 2024 yang tinggi sebesar Party Funds (AL/TPF) ratio, which stood at 25.57% in November
25,57%. Rasio kecukupan modal (Capital Adequacy Ratio/CAR) 2024. Meanwhile, the banking Capital Adequacy Ratio (CAR) was
perbankan pada Oktober 2024 tercatat sebesar 27,02%, tergolong recorded at 27.02% in October 2024, indicating strong capacity to
kuat dalam menyerap risiko dan mendukung pertumbuhan kredit. absorb risks and support credit growth. The Non-Performing Loan
Sementara itu, rasio kredit bermasalah (Non-Performing Loan/NPL) (NPL) ratio remained low, standing at 2.20% (gross) and 0.77%
perbankan pada Oktober 2024 terjaga rendah, sebesar 2,20% (net) in October 2024.
(bruto) dan 0,77% (neto).
Ketahanan permodalan dan likuiditas perbankan juga didukung The stability of banking capital and liquidity was further strengthened
oleh pencapaian profitabilitas dan pengelolaan risiko bank yang by sound profitability and risk management, alongside maintained
baik, serta ditopang oleh kemampuan membayar dan profitabilitas corporate repayment capacity and profitability, as indicated by
korporasi yang terjaga, sebagaimana hasil stress test perbankan the results of the latest banking stress test. Moving forward, Bank
terkini. Ke depan, Bank Indonesia terus memperkuat sinergi Indonesia will continue to enhance policy coordination with KSSK
kebijakan bersama KSSK dalam menjaga stabilitas sistem keuangan, to maintain financial system stability and mitigate risks that could
termasuk memitigasi berbagai risiko yang dapat mengganggu pose threats.
stabilitas sistem keuangan.
Kinerja transaksi ekonomi dan keuangan digital pada November The digital economy and financial transactions continued to expand
2024 tetap tumbuh didukung oleh sistem pembayaran yang aman, throughout November 2024, supported by a secure, efficient, and
lancar, dan andal. Dari sisi nilai besar, transaksi BI-RTGS pada reliable payment system. In terms of large-value transactions, BI-
November 2024 meningkat 9,82% (yoy) dengan nominal transaksi RTGS transactions in November 2024 grew by 9.82% yoy, reaching
sebesar Rp14.969,37 triliun. Dari sisi ritel, volume transaksi BI-FAST a transaction value of IDR14,969.37 trillion. On the retail side, BI-
pada November 2024 tumbuh 69,90% (yoy) mencapai 338,61 juta FAST transactions surged by 69.90% yoy, totaling 338.61 million
transaksi. Akselerasi pembayaran digital berlanjut. Volume transaksi transactions. The adoption of digital payments also accelerated
digital banking pada bulan yang sama tercatat 2,04 miliar transaksi significantly. In November 2024, the volume of digital banking
atau tumbuh sebesar 40,1% (yoy), sementara volume transaksi Uang transactions reached 2.04 billion transactions, reflecting 40.1%
Elektronik (UE) tumbuh 33,4% (yoy) mencapai 1,44 miliar transaksi. yoy growth. Likewise, Electronic Money (EU) transactions rose by
33.4% yoy to 1.44 billion transactions.
Volume transaksi QRIS terus tumbuh pesat sebesar 186% (yoy) QRIS transactions recorded remarkable growth, increasing by 186%
mencapai 689,07 juta transaksi, dengan jumlah pengguna dan yoy to 689.07 million transactions, with the number of users and
merchant masing-masing mencapai 55,02 juta dan 35,1 juta pada merchants reaching 55.02 million and 35.1 million, respectively, in
November 2024. Sementara itu, volume transaksi pembayaran November 2024. Conversely, ATM/Debit card transactions declined
menggunakan kartu ATM/D pada November 2024 turun 10,9% by 10.9%, totaling 562.75 million transactions. Meanwhile, credit
menjadi 562,75 juta transaksi. Volume transaksi kartu kredit pada card transactions grew by 21.1% yoy to 41.15 million transactions. In
bulan yang sama tumbuh 21,1% (yoy) mencapai 41,15 juta transaksi. terms of the management of Rupiah currency, the total Circulating
Dari sisi pengelolaan uang Rupiah, Uang Kartal Yang Diedarkan Currency (UYD) grew by 11.9% yoy, reaching IDR1,105.8 trillion at
(UYD) tumbuh 11,9% (yoy) menjadi Rp1.105,8 triliun secara nominal the end of November 2024.
pada akhir November 2024.
38 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 41
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Peran Direksi dan Implementasi Kebijakan Strategis The Role of the Board of Directors and
Implementation of Strategic Policy
Semakin tingginya tingkat literasi digital seiring meningkatnya The increasing level of digital literacy, coupled with growing internet
penetrasi internet dan penggunaan perangkat digital serta penetration, the widespread use of digital devices, and heightened
kesadaran masyarakat untuk meningkatkan gaya hidup dan public awareness of financial well-being, serves as a positive catalyst
mencapai kesejahteraan finansial jangka panjang menjadi katalis for the banking industry’s development. Additionally, the high
positif bagi perkembangan bisnis perbankan. Tingginya generasi number of young people in the productive age group continues
muda yang berada di usia produktif juga menjadi salah satu faktor to drive customer growth.
yang mendorong pertumbuhan nasabah.
Melihat kondisi ini, Allo Bank selaku bank umum berbasis digital Recognizing this trend, Allo Bank, as a digital-based conventional
memfokuskan upaya selama tahun 2024 untuk memperkuat bank, focused its efforts in 2024 on strengthening the foundation
pondasi bisnis yang dimiliki agar mampu mencapai pertumbuhan of its business to ensure sustainable growth in the future
secara berkelanjutan di masa depan (“Strengthening Foundation for (“Strengthening Foundation for Competitive Sustainable Growth”).
Competitive Sustainable Growth”). Dalam upaya untuk menghadirkan In its pursuit to become an everyday bank that meets all customer
Allo Bank sebagai everyday bank yang dapat menjawab segala needs, the Bank continued to implement various strategic initiatives,
kebutuhan nasabah, Bank terus mengembangkan berbagai including collaborations with diverse ecosystems, the development
inisiatif strategis termasuk kolaborasi dengan berbagai ekosistem, of innovative products and services, and a firm commitment to
mengembangkan produk dan layanan inovatif dan tanpa melupakan Good Corporate Governance (GCG) and prudent risk management,
Good Corporate Governance dan manajemen risiko yang menjadi which is the core principles that define Allo Bank’s operations.
disiplin prudential yang menjadi ciri khas Allo Bank.
Kebijakan strategis yang diambil manajemen telah membuahkan The strategic policies implemented by management have led to
sejumlah capaian optimal baik dari sisi pengembangan produk dan several significant achievements, both in product and service
layanan serta kinerja operasional dan keuangan. Terkait Teknologi development as well as operational and financial performance. In
Informasi, Bank telah selesai membangun dan melakukan peresmian terms of Information Technology, the Bank successfully completed
Data Center Allo Bank yang baru pada 17 Mei 2024. Bagi Bank the construction and inauguration of the Allo Bank Data Center on
dengan layanan berbasis aplikasi digital, Data Center merupakan May 17, 2024. As a bank that operates digital application-based
jantung utama dari operasional layanan Bank. Dalam mengantisipasi services, the Data Center is the core of its service operations. To
tuntutan pengembangan inovasi dan layanan ke depan, sesuai anticipate future demands for innovation and service expansion,
dengan harapan dari para stakeholders maka dibutuhkan Data Center and to align with stakeholder expectations, the Bank has developed
dengan kesiapan Skalabilitas, Ketersediaan, Keandalan, Keamanan, a scalable, highly available, reliable, secure, and environmentally
serta sumber daya yang ramah lingkungan. Hal tersebut menuntut friendly Data Center. This enables Allo Bank to manage its Data
Allo Bank untuk dapat mengelola Data Center secara independen Center independently and enhance its operational excellence.
dalam mencapai kapabilitas operasional yang unggul dimaksud.
Infrastruktur Data Center dengan Sertifikasi TIA Rated-3 yang baru ini The newly developed TIA Rated-3 Certified Data Center
dirancang dengan arsitektur yang memenuhi standar internasional Infrastructure is designed to meet the highest international
tertinggi. Selain arsitektur, keamanan juga menjadi prioritas standards. Beyond its architectural advancements, security remains
Bank, dengan pemisahan antara lingkungan core system dengan a top priority. The separation between the core system environment,
surrounding system dan development system untuk meningkatkan surrounding systems, and development environments enhances
keamanan dan keandalan layanan. Perangkat-perangkat yang ada security and ensures service reliability. The infrastructure is also
saat ini disiapkan untuk mendukung perkembangan bisnis hingga equipped to support business growth, with the capacity to serve
15 juta pelanggan di masa depan. up to 15 million customers in the future.
Di samping itu, Bank melakukan Assessment Control Objectives Additionally, the Bank conducted a 2019 Control Objectives for
for Information and Related Technology (“COBIT”) 2019 dengan Information and Related Technology (COBIT) Assessment, achieving
Tingkat Maturitas TI di level 4,21 yang merupakan bukti nyata an IT Maturity Level of 4.21. This achievement reflects the Bank’s
atas komitmen dan dedikasi Bank dalam menerapkan standar commitment to implementing best practices in IT governance. The
terbaik dalam tata kelola teknologi informasi. Assessment ini juga assessment also marks a significant step in enhancing IT capabilities,
merupakan langkah penting dalam memperkuat kapabilitas TI dan improving efficiency, strengthening security, and ensuring that all
meningkatkan efisiensi serta keamanan layanan yang diberikan IT-driven business processes are well-regulated, controlled, and
kepada nasabah serta mencerminkan bentuk keseriusan Allo sustainable.
Bank dalam terus berinovasi dan memastikan bahwa setiap proses
bisnis yang menggunakan TI berjalan dengan baik, terkontrol dan
berkelanjutan.
2024 Annual Report & Sustainability Report
39
Page 42
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Dari sisi produk dan layanan, Allo Bank telah merilis Rekening Dana In terms of products and services, Allo Bank introduced a Customer
Nasabah untuk mendukung minat masyarakat dalam berinvestasi Fund Account to support customers’ interest in investing through
melalui aplikasi digital. Dalam hal ini, Bank telah mengantongi digital applications. To facilitate this, the Bank secured approval from
surat izin dari Kustodian Sentral Efek Indonesia (KSEI) dan menjalin the Indonesian Central Securities Depository (KSEI) and partnered
kerja sama dengan beberapa platform investasi digital dalam with several digital investment platforms. With this expansion, Allo
penyelenggaraan produk tersebut. Dengan masuknya Allo Bank Bank aims to broaden its reach within the millennial and Gen Z
ke segmen ini, Bank akan terus memperluas lingkup layanan pada segments. Additionally, the Bank introduced several new products
segmen milenial dan Gen-Z. Tak kalah pentingnya, sejumlah produk and services to further meet customer needs, including the Virtual
dan layanan baru juga diluncurkan untuk semakin memenuhi Debit Card (with Visa), Foreign Exchange Bank permits, and Internet
kebutuhan nasabah meliputi Virtual Debit Card (dengan Visa), izin Banking services for corporate customers. The Bank also continued
Bank Devisa, hingga Internet Banking untuk nasabah korporasi. to expand its collaborations with leading strategic partners across
Selain itu, Bank juga terus memperluas kolaborasi dengan berbagai Indonesia. As a result of these achievements, the Bank successfully
mitra strategis terkemuka di Indonesia. Didorong semua pencapaian reached a significant milestone, recording 11 million total customers
di atas, Bank telah berhasil mencatatkan milestone 11 juta total by the end of November 2024.
nasabah pada akhir November 2024.
Dari sisi branding, Bank terus fokus menyasar segmen milenial In terms of branding, the Bank remained focused on targeting
dan Gen Z sebagai segmen utama Bank, dengan mengadakan millennials and Gen Z as its primary customer segments. To engage
berbagai program marketing yang unik dalam industri perbankan these groups, Allo Bank organized unique marketing initiatives within
Indonesia seperti Allo Bank Festival pada 21-22 Juni 2024 yang the Indonesian banking industry, such as the Allo Bank Festival
mengusung tema Intimate Concert Experience bersama bintang held on June 21–22, 2024, under the theme “Intimate Concert
tamu internasional WAY V bersama musisi nasional Indonesia di Experience” featuring WAY V as an international guest star alongside
Istora Senayan Jakarta. Program lainnya termasuk Allo Friends renowned Indonesian musicians at Istora Senayan, Jakarta. Other
Day pun mendapatkan respons yang sangat positif, tercermin dari initiatives, such as Allo Friends Day, also received overwhelmingly
tingginya impresi dari setiap event dan capaian media sosial Bank positive responses, reflected in the high engagement levels at
yang menembus 132 juta lebih impresi di tahun 2024. each event. Additionally, the Bank’s social media presence saw
exceptional growth, reaching over 132 million impressions in 2024.
Perbandingan antara Hasil yang Dicapai dengan yang Comparison between Achieved and Targeted Results
Ditargetkan
Sepanjang tahun 2024 iklim usaha nasional memang dipenuhi Throughout 2024, the national business climate presented various
dengan berbagai tantangan, namun hal itu tak menyurutkan challenges; however, this did not hinder the Bank from maintaining
kinerja usaha Bank hingga ke level optimal. Dalam penetapan optimal business performance. In setting its targets, Allo Bank
target, Allo Bank senantiasa memperkuat fondasi bisnis melalui continued to strengthen its business foundation through well-
kebijakan strategis yang tepat sasaran. Di tahun 2024, Allo Bank targeted strategic policies. In 2024, Allo Bank aimed to achieve
merencanakan perolehan dari beberapa komponen substansial several key benchmarks for assessing business performance. The
sebagai tolak ukur dalam menilai kinerja usaha. Perbandingan comparison between the planned targets and actual performance
antara rencana dan realisasi adalah sebagai berikut: is as follows:
• Aset • Assets
Per 31 Desember 2024, Bank membukukan Jumlah Aset As of December 31, 2024, the Bank recorded Total Assets
sebesar Rp13,98 triliun, mengalami peningkatan sebesar 9,7.% of IDR13.98 trillion, reflecting a 9.7% increase compared to
dibanding tahun 2023 yang tercatat sebesar Rp12,75 triliun. IDR12.75 trillion in 2023. This growth was primarily driven by
Kinerja Aset tersebut didorong oleh peningkatan kredit yang an increase in loan disbursement, particularly in the rapidly
disalurkan, terutama untuk segmen Retail yang tumbuh pesat. expanding Retail segment.
• Pendapatan Operasional • Operating Income
Bisnis inti Allo Bank tetap kuat, seperti tercermin pada perolehan Allo Bank’s core business remained strong, as reflected in its
Total Pendapatan Bank sebesar Rp1,440 triliun selama tahun Total Income of IDR1,440 trillion in 2024, representing a 25%
2024, dimana pencapaian tersebut mengalami peningkatan increase compared to IDR1,153 trillion in 2023. This growth
sebesar 25% dibanding tahun 2023 yang tercatat sebesar was driven by a healthy rise in net interest income and other
Rp1,153 triliun, didorong oleh peningkatan yang sehat pada operating income.
pendapatan bunga bersih dan pendapatan operasional lainnya.
40 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 43
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
• Biaya Operasional • Operational Costs
Sebagai Bank umum berbasis digital, Allo Bank banyak As a digital-based conventional bank, Allo Bank made significant
melakukan pengembangan Teknologi Informasi untuk investments in Information Technology (IT) development to
mendukung strategi pengembangan produk, layanan dan support its product development strategies, services and
customer engagement/experience (Good Costs). Di samping customer engagement/experience (Good Costs). The Bank
itu, Bank juga terus mengoptimalkan program marketing dan also optimized its marketing and promotional programs to
promosi untuk akuisisi dan engagement untuk meningkatkan boost customer acquisition and engagement, reinforcing its
top of mind Bank di mata nasabah. Dengan demikian, biaya top-of-mind awareness among customers. Consequently,
operasional mengalami kenaikan 36% dari Rp548 miliar pada operational costs increased by 36%, rising from IDR548 billion
tahun 2023 menjadi Rp743 miliar pada tahun 2024. in 2023 to IDR743 billion in 2024.
• Laba (Rugi) Tahun Berjalan • Profit (Loss) for the year
Didorong faktor-faktor di atas, laba tahun berjalan tercatat Despite rising operational costs, the Bank maintained
sebesar Rp467 miliar per tahun 2024, meningkat sedikit sebesar profitability. Profit for the year was recorded at IDR467 billion,
5% dibanding tahun 2023 yang tercatat sebesar Rp445 miliar. reflecting a 5% increase compared to IDR445 billion in 2023.
• Kualitas Kredit • Credit Quality
Di tahun 2024, kualitas kredit terjaga dengan baik sebagaimana In 2024, the credit quality was well maintained as reflected in
tercermin pada rasio NPL Gross dan Net masing-masing the Gross and Net NPL ratios of 0.81% and 0.49%, respectively,
sebesar 0,81% dan 0,49%, walaupun sedikit meningkat although slightly increased compared to the same period in
dibanding periode yang sama tahun sebelumnya masing- the previous year of 0.08% and 0.05% respectively.
masing sebesar 0,08% dan 0,05%
Dengan dukungan kapasitas serta prospek yang dimiliki, Bank With strong capacity and promising prospects, the Bank remains
optimis untuk dapat meraih kinerja unggul secara berkelanjutan optimistic about achieving sustainable superior performance in
di masa mendatang. Pencapaian antara target dan pencapaian the coming years. The alignment between targets and actual
tersebut merupakan salah satu indikator pertimbangan Bank dalam achievements is one of the indicators the Bank considers in
penyusunan target dan strategi bisnis ke depan. preparing future targets and business strategies.
Gambaran tentang Prospek Usaha View on Business Outlook
Sebagaimana dikutip dari Buku Pertemuan tahunan Bank Indonesia According to the Bank Indonesia 2024 Annual Meeting Book,
2024 yang dirilis pada 29 November 2024, menjelaskan bahwa released on November 29, 2024, Indonesia’s economic recovery is
proses pemulihan ekonomi Indonesia terus berlanjut pada 2024 expected to continue throughout 2024, with stable growth projected
dengan pertumbuhan yang tetap baik dan diperkirakan akan lebih to improve further in 2025 and 2026.
tinggi pada 2025 dan 2026.
Secara keseluruhan tahun, Pemerintah Indonesia mencatatkan Overall, the Indonesian Government noted economic growth of
pertumbuhan ekonomi 2024 sebesar 5,03% dan diperkirakan akan 5.03% in 2024, and estimated to increase to 4.8%–5.6% in 2025
meningkat lebih tinggi pada 2025 dan 2026 masing-masing dalam and 4.9%–5.7% in 2026. Moving forward, continuous efforts will
kisaran 4,8-5,6% dan 4,9-5,7%. Ke depan, berbagai upaya perlu be necessary to drive economic growth, both from the demand side
terus ditempuh untuk mendorong pertumbuhan ekonomi, baik dari and the supply side. Meanwhile, banking liquidity remains ample in
sisi permintaan maupun dari sisi penawaran. Di sisi lain, likuiditas line with Bank Indonesia’s policies, while economic liquidity aligns
perbankan tetap longgar sejalan dengan kebijakan Bank Indonesia, with real-sector activity. Liquidity is typically assessed through two
sementara likuiditas perekonomian sesuai dengan aktivitas di sektor main indicators: the amount of liquidity available within the banking
riil. Likuiditas dapat diukur jumlahnya di sektor perbankan dan sector and the money circulating in the economy. Economic liquidity
yang beredar di perekonomian. Likuiditas perekonomian biasa is measured by the money supply, both in a narrow sense—used
diukur dengan jumlah uang beredar, baik dalam arti sempit untuk for consumption and transactions (Base Money, M0)—and in a
kebutuhan transaksi konsumsi (Uang Primer, M0) maupun dalam broader sense, which includes savings (Money Supply M1 and
arti luas yang juga termasuk simpanan (Uang Beredar, M1, dan M2). M2). Consequently, the condition of economic liquidity serves as
Karenanya, kondisi likuiditas perekonomian akan mencerminkan an indicator of nominal economic growth.
tingkat pertumbuhan ekonomi secara nominal.
2024 Annual Report & Sustainability Report
41
Page 44
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Melihat proyeksi kondisi makro tersebut, Manajemen telah Considering macroeconomic projections, Allo Bank’s management
merumuskan arah kebijakan Bank strategis dengan pendekatan has outlined a strategic policy direction centered on a digital-based
bisnis berbasis digital. Kebutuhan nasabah segmen Retail dan business approach. The Retail and Wholesale segments’ needs in
Wholesale dalam bertransaksi pada era digital adalah prioritas an increasingly digital landscape remain the Bank’s top priority,
utama Bank dalam menciptakan produk dan layanan berbasis with a focus on innovative digital-based products and services that
digital yang inovatif dan memberikan kemanfaatan ekonomi tidak generate economic benefits for both the Bank and its customers.
hanya untuk Bank tetapi juga nasabah melalui langkah-langkah This will be achieved through the following strategic initiatives:
strategis sebagai berikut:
1. Penetrasi pasar berdasarkan model bisnis Hibrida (Hybrid 1. Market penetration using a Hybrid Business Model, offering
Business Model) dalam menawarkan produk dan layanan integrated Retail and Wholesale segment products and services
segmen Retail dan Wholesale secara terintegrasi untuk to drive business growth through Acquisition, Engagement,
menumbuhkan bisnis Bank melalui aktivitas Acquisition, and Monetization strategies.
Engagement dan Monetization.
2. Pengembangan layanan digital untuk mencapai portofolio aset 2. Development of digital services to achieve a balanced and
dan liabilitas yang berimbang dan berkualitas antara segmen high-quality asset and liability portfolio across the Retail and
Retail dan Wholesale. Wholesale segments.
3. Penguatan kapabilitas Ecosystem Banking dalam rangka 3. Strengthening Ecosystem Banking by intensifying collaborations
kolaborasi yang intensif dengan mitra strategis untuk with strategic partners to enhance financial service value and
meningkatkan nilai layanan finansial dan daya saing Bank. the Bank’s competitiveness.
4. Optimalisasi kapabilitas data analytics dan Artificial Intelligence 4. Optimizing data analytics and Artificial Intelligence (AI)
(AI) untuk menghasilkan Customer Insight yang efektif dan to generate effective Customer Insights and improve risk
manajemen risiko yang efisien dalam memberikan layanan management efficiency, enabling the delivery of contextual
finansial yang kontekstual kepada nasabah. financial services.
5. Penguatan sistem manajemen layanan yang didukung oleh 5. Enhancing service management systems, supported by
teknologi sesuai standar best practice IT Service Management technology aligned with IT Service Management (ITSM) best
(ITSM). practices.
6. Pengembangan talenta DIGITAL untuk mendukung model 6. Developing digital talent to support the Hybrid Business Model.
bisnis Hibrida.
7. Penguatan Good Corporate Governance yang terintegrasi 7. Strengthening integrated and sustainable Good Corporate
dan berkelanjutan pada proses bisnis dan operasional Governance across business and operational processes,
sebagai komitmen Bank untuk mendukung prinsip-prinsip reinforcing the Bank’s commitment to Environmental, Social,
Environmental, Social, and Governance (ESG). and Governance (ESG) principles.
Penerapan Tata Kelola Bank Implementation of Bank Governance
Allo Bank memandang bahwa kelangsungan usaha tidak hanya Allo Bank recognizes that business sustainability is determined not
ditentukan oleh kinerja keuangan semata, melainkan juga kinerja only by financial performance but also by strong daily operational
operasional yang baik sehari-hari. Untuk memastikan kinerja execution. To ensure optimal business and operational performance,
bisnis dan operasional dapat berjalan secara optimal, maka Bank the Bank consistently implements Good Corporate Governance
senantiasa menerapkan Tata Kelola Perusahaan yang Baik atau (GCG), fostering healthy competition and a conducive business
Good Corporate Governance (GCG) guna menciptakan persaingan climate. Given the critical role of GCG in banking and corporate
yang sehat dan iklim usaha yang kondusif. Mengingat pentingnya operations, the Bank upholds comprehensive GCG principles across
peran implementasi GCG bagi bisnis dan operasional, Bank all levels of its organization, from the Board of Commissioners and
berupaya untuk menempatkan praktik Tata Kelola Perusahaan Board of Directors to all employees.
yang Baik sebagai pedoman dasar yang harus dilakukan secara
komprehensif di seluruh tingkat organisasi Bank, dimulai dari jajaran
Dewan Komisaris, Direksi, dan seluruh karyawan di lingkungan bank.
Pada praktiknya Penerapan Tata Kelola Perusahaan yang Baik In practice, the implementation of Good Corporate Governance
berperan sebagai prinsip yang mendasari proses dan mekanisme serves as a fundamental principle guiding the company’s
pengelolaan perusahaan dengan tetap mengacu kepada peraturan management processes and mechanisms while adhering to
perundang-undangan yang berlaku. Penerapan Tata Kelola applicable laws and regulations. The adoption of Good and
Perusahaan yang Baik dan komprehensif juga menjadi indikator Comprehensive Corporate Governance is also a key indicator for
penting bagi investor untuk menilai sebuah perusahaan di masa investors in assessing a company’s long-term prospects. Moreover,
depan. Terlebih, di industri perbankan, Penerapan Tata Kelola in the banking industry, the implementation of Good Corporate
42 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 45
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Perusahaan yang Baik juga menjadi landasan dan kebutuhan Governance is essential for creating sustainable added value,
perusahaan dalam menciptakan nilai tambah yang berkelanjutan, strengthening resilience in a dynamic industry, and fostering a
mendukung perusahaan dalam menghadapi dinamika industri healthy investment climate. Additionally, it plays a crucial role in
perbankan, serta membentuk fondasi iklim investasi yang sehat promoting financial inclusion.
dan dapat mendorong terciptanya inklusi keuangan.
Sejalan dengan tujuan tersebut, Allo Bank senantiasa memperkuat In alignment with these objectives, Allo Bank is continuously
dan meningkatkan penerapan Tata Kelola Perusahaan yang Baik strengthening and refining its implementation of GCG across all
di seluruh aspek kegiatan usaha yang dijalankan. Hal tersebut business activities. This includes periodic reviews and updates
diwujudkan dengan antara lain melakukan review dan pengkinian of governance policies, reinforcing the Bank’s commitment to
kebijakan tata kelola sebagai salah satu wujud komitmen maintaining high-quality governance standards at all organizational
peningkatan kualitas penerapan Tata Kelola Perusahaan yang levels.
Baik di seluruh lapisan organisasi Bank.
Penilaian Terhadap Komite-Komite di Bawah Direksi Assessment of Committees Under the Board of
Directors
Dalam membantu menjalankan tugas pengelolaan Bank, Direksi To support the execution of the Bank’s management duties, the
dapat membentuk organ pendukung sebagaimana diatur dalam Board of Directors may establish supporting bodies as stipulated by
ketentuan perundang-undangan. Direksi telah memiliki organ law. The Board of Directors has both structural and non-structural
pendukung struktural, yakni Sekretaris Perusahaan & PMO supporting bodies. The structural supporting bodies include the
dan Satuan Kerja Audit Internal (SKAI) serta organ pendukung Corporate Secretary & PMO and the Internal Audit Work Unit (SKAI),
non-struktural yang terdiri dari Komite Kredit, Komite Kebijakan while the non-structural supporting bodies consist of the Credit
Perkreditan, Komite Aktiva dan Pasiva, Komite Manajemen Risiko, Committee, Credit Policy Committee, Asset and Liability Committee,
Komite Pengarah Teknologi Informasi, Komite Produk dan Komite Risk Management Committee, Information Technology Steering
SDM. Selama tahun 2024, Direksi menilai bahwa seluruh komite Committee, Product Committee, and HR Committee. Throughout
tersebut telah melaksanakan tugas dan tanggung jawabnya secara 2024, the Board of Directors assessed that all committees had
profesional sesuai dengan program kerja tahunan serta pedoman carried out their duties and responsibilities professionally, in
dan tata tertib kerja masing-masing komite. accordance with the annual work program, guidelines and work
procedures.
Perubahan Komposisi Anggota Direksi Changes in the Composition of the Board of Directors
Allo Bank telah menyusun jumlah dan komposisi Direksi sedemikian Allo Bank has structured the size and composition of its Board of
rupa sehingga memungkinkan pengambilan keputusan dapat Directors to ensure effective, precise, and swift decision-making,
dilakukan secara efektif, tepat dan cepat, serta dapat bertindak while maintaining its independence. As of December 31, 2024,
independen. Per 31 Desember 2024, Bank tidak mengalami there were no changes in the composition of the Board of Directors.
perubahan susunan dan komposisi Direksi. Adapun komposisi The current Board of Directors composition is detailed as follows:
Direksi Bank hingga saat ini dapat dilihat sebagai berikut:
Nama Jabatan Dasar Pengangkatan Masa Jabatan Periode Jabatan
Name Position Basis of Appointment Term of Office Period
Indra Utoyo Direktur Utama RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
President Annual GMS on May 31, 2024 2024 - 2027 Annual GMS Second
Director
Ari Yanuanto Asah Direktur RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Director Annual GMS on May 31, 2024 2024 - 2027 Annual GMS Second
Arief Tendeas Direktur RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Director Annual GMS on May 31, 2024 2024 - 2027 Annual GMS Second
Ganda Raharja Rusli Direktur RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Director Annual GMS on May 31, 2024 2024 - 2027 Annual GMS Second
Sajal Bhatnagar Direktur RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Director Annual GMS on May 31, 2024 2024 - 2027 Annual GMS Second
2024 Annual Report & Sustainability Report
43
Page 46
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Struktur Organisasi Bank di 2024 Bank Organizational Structure in 2024 Sejalan dengan dinamika bisnis yang semakin berkembang Amid the increasingly dynamic business landscape and intensifying serta ketatnya persaingan perbankan berbasis digital, Allo Bank competition in digital banking, Allo Bank continues to refine and terus memperbaiki dan memperkuat struktur organisasinya guna strengthen its organizational structure to effectively achieve its mencapai tujuan yang telah ditetapkan. Adapun struktur organisasi strategic goals. The Bank’s organizational structure for 2024 is Bank di tahun 2024 dapat dilihat di bab Profil Perusahaan pada detailed in the Company Profile chapter of this Annual Report. Laporan Tahunan ini. Aktivitas Utama Bank di 2024 Main Activities of the Bank in 2024 Aktivitas utama Direksi selama tahun 2024 adalah menjalankan The main activities of the Board of Directors in 2024 included kegiatan operasi Bank sehari-hari dan memimpin Perusahaan dalam overseeing the Bank’s daily operations and leading the Company mencapai maksud dan tujuan serta kegiatan usaha yang telah in achieving its goals, objectives, and business activities as outlined ditetapkan dalam Anggaran Dasar. Direksi juga bertanggung jawab in the Articles of Association. The Board of Directors was also terhadap kepengurusan bisnis Bank dan merealisasikan Rencana responsible for managing the Bank’s business and implementing Bisnis Bank tahun 2024 yang telah ditetapkan dan disampaikan the 2024 Business Plan, which had been set and submitted to the kepada Otoritas Jasa Keuangan. Dalam rangka pelaksanaan bisnis Financial Services Authority. To ensure optimal business operations, Bank dapat berjalan secara optimal di seluruh aktivitas operasional the Bank reinforced its corporate culture by upholding its Core yang dilakukan, Bank menetapkan budaya perusahaan dengan Values. These values serve as a normative guide for all Bank memegang teguh Nilai Inti Bank. Nilai-nilai ini berperan sebagai personnel in their daily activities. The Bank’s Core Values play sebuah norma atau pedoman perilaku umum bagi seluruh Insan a crucial role in supporting and realizing its vision and mission Bank dalam menjalankan aktivitasnya sehari-hari. Nilai Inti Bank through 7 (seven) core principles under the acronym “DIGITAL”, memegang peranan penting dalam menopang dan mewujudkan launched in early December 2022 through the Allo Temu program. visi dan misi melalui 7 (tujuh) nilai inti (core values) dengan akronim “DIGITAL” yang diluncurkan pada awal Desember 2022 melalui program Allo Temu. Fungsi Penunjang Teknologi Informasi Role of Information Technology Seiring dengan perkembangan zaman yang terjadi, Bank As technology continues to evolve, Allo Bank recognizes the menilai bahwa Teknologi Informasi (TI) memiliki peran penting critical role of Information Technology (IT) in supporting business dalam menunjang proses bisnis. Melihat hal tersebut, Bank processes. To stay ahead, the Bank remains committed to enhancing berkomitmen untuk terus meningkatkan kapasitas TI serta mengikuti IT capabilities and integrating the latest technological advancements perkembangannya untuk diterapkan dalam rangka mendukung to improve productivity and efficiency. produktivitas kerja yang optimal. Dalam menjalankan kegiatan usahanya, Bank telah menyusun dan In carrying out its business activities, the Bank has prepared and menerapkan kebijakan prosedur dan standar TI untuk menyelaraskan implemented IT policies, procedures, and standards to align IT langkah-langkah pengembangan TI dalam rangka perwujudan development efforts with its strategic goals. At the same time, in its cita-cita Bank. Di sisi lain, dalam rencana pengembangan aplikasi digital application development plan, the Bank remains committed digital, Bank berupaya untuk selalu memenuhi aspek kepatuhan to complying with regulations set by OJK and Bank Indonesia where terhadap regulasi OJK dan Bank Indonesia yang mana evaluasi internal development evaluations are also conducted as part of pengembangan secara internal juga dilakukan sebagai upaya the Bank’s risk mitigation efforts to address potential challenges. memitigasi risiko yang mungkin muncul. Keberadaan TI juga diharapkan mampu mendukung target yang The role of IT is expected to support the achievement of the Bank’s telah ditentukan, mengingat mulai merambahnya penggunaan established targets, given the increasing reliance on information teknologi informasi ke seluruh aspek kehidupan masyarakat. technology in all aspects of daily life. The speed and integration Kecepatan dan integrasi yang dapat diberikan oleh penerapan offered by IT implementation are key factors in leveraging technology TI merupakan salah satu komponen penting dalam penerapan as a primary tool in business operations. teknologi sebagai alat utama dalam kegiatan bisnis yang dijalankan. 44 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 47
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Produk dan Jasa yang Ditawarkan Products and Services Offered
Di tahun 2024, Bank senantiasa mengembangkan layanan In 2024, the Bank continued to develop digital banking services
perbankan berbasis digital untuk tabungan dan fitur-fitur for savings and payment features, including:
pembayaran, meliputi:
1. Produk uang elektronik dengan branding Allo Pay dan Allo Pay+ 1. Electronic money products with Allo Pay and Allo Pay+ branding
2. Produk tabungan termasuk Allo Prime dan Allo Grow 2. Savings products including Allo Prime and Allo Grow
3. Deposito 3. Deposits
4. Kredit digital dengan branding PayLater dan Instant Cash 4. Digital credit with PayLater and Instant Cash branding
5. Layanan Transfer Dana, tarik tunai tanpa kartu, top up uang 5. Fund Transfer services, cardless cash withdrawals, electronic
elektronik, pembayaran QRIS, layanan pembayaran biller dan money top-ups, QRIS payments, biller payment services and loyalty
program loyalty berupa Membership, Point, dan Coupon (MPC). programs in the form of Membership, Points, and Coupons (MPC).
6. Virtual Debit Card 6. Virtual Debit Card
7. Virtual Account 7. Virtual Account
8. Rekening Dana Nasabah (RDN) 8. Customer Fund Account (RDN)
Tingkat Suku Bunga Penghimpunan dan Penyediaan Interest Rates for Collection and Provision of Funds
Dana
Sesuai dengan ketentuan dan peraturan yang berlaku, Bank In accordance with applicable regulations, the Bank publishes the
mempublikasikan Suku Bunga Dasar Kredit (SBDK) yang menjadi Basic Credit Interest Rate (SBDK), which serves as an indicator of
indikator atas besaran suku bunga kredit yang akan dikenakan the credit interest rate charged to customers. Allo Bank considers
kepada nasabah. Allo Bank mempertimbangkan beberapa faktor several factors when determining the SBDK, including the BI-
dalam menentukan SBDK di antaranya BI-Rate yang ditetapkan oleh Rate set by Bank Indonesia, the Cost of Funds for Credit (HPDK),
Bank Indonesia, Harga Pokok Dana untuk Kredit (HPDK), beban operational costs associated with fundraising and credit distribution
operasional yang dikeluarkan untuk kegiatan penghimpunan dana activities, profit margin components determined by the Bank for
dan penyaluran kredit, komponen profit margin yang ditetapkan credit distribution, and considering market competition within the
Bank dalam kegiatan penyaluran kredit, serta mempertimbangkan banking industry. The calculation of the SBDK does not include
kompetisi di industri perbankan. Perhitungan SBDK tersebut the risk premium component, as this varies based on each debtor’s
belum memperhitungkan komponen premi risiko dari debitur, risk assessment. As a result, the credit interest rate imposed on
yang besarnya tergantung dari penilaian terhadap risiko masing- debtors may differ from the SBDK.
masing debitur. Dengan demikian, besarnya suku bunga kredit
yang dikenakan kepada debitur belum tentu sama dengan SBDK.
Tingkat suku bunga penghimpunan dan penyediaan dana untuk The interest rates for collecting and providing funds for Rupiah
mata uang Rupiah pada tahun 2024 adalah sebagai berikut: currency in 2024 are as follows:
Suku Bunga Dasar Kredit
Prime Lending Rate
Berdasarkan Jenis Kredit
Periode Data: By Type of Loans
Desember 2024
Period:
December 2024
Kredit Non UMKM Kredit UMKM
Non MSME Credit MSME Credit
Non KPR/
KPR/KPA
Korporasi Ritel Menengah Kecil Mikro Non KPA
Corporate Retail Medium Small Micro
Harga Pokok Dana untuk Kredit 6.94% N.A N.A N.A N.A N.A 5.71%
(HPDK) (%)
Cost of Funds for Loans (HPDK) (%)
Biaya Overhead (%) 1.74% N.A N.A N.A N.A N.A 17.51%
Overhead Cost (%)
Margin Keuntungan (%) 1.00% N.A N.A N.A N.A N.A 3.45%
Profit Margin (%)
Suku Bunga Dasar Kredit (SBDK) (%) 9.68% N.A N.A N.A N.A N.A 26.67%
(HBDK + Overhead + Margin)
Prime Lending Rate (SBDK) (%) (HBDK
+ Overhead + Margin)
2024 Annual Report & Sustainability Report
45
Page 48
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Jaringan Operasional Bank Bank Operational Network Kantor Pusat Bank berkedudukan di Jakarta, selain itu dalam The Bank’s Head Office is located in Jakarta. In addition to providing memberikan pelayanan kepada para nasabah Bank memiliki 1 customer services, the Bank operates 1 Head Office and 2 branch kantor pusat dan 2 kantor cabang. Sepanjang 2024, Bank tidak offices. Throughout 2024, the Bank did not expand its operational melakukan ekspansi terhadap jaringan kerja, maupun pembukaan network or open any new offices. jaringan kantor yang baru. Kepemilikan Direksi, Dewan Komisaris, dan Ownership of Directors, Board of Commissioners, and Pemegang Saham dalam Kelompok Usaha Bank Shareholders in Bank Business Groups Bank telah memiliki Pedoman dan Tata Tertib Kerja bagi Direksi The Bank has established Guidelines and Work Rules for the Board serta Pedoman dan Tata Tertib Kerja bagi Dewan Komisaris yang of Directors and the Board of Commissioners, regulating share didalamnya mengatur mengenai kepemilikan saham dalam ownership within the Bank’s business group. These guidelines kelompok usaha Bank terkait aspek transparansi dan larangan ensure transparency and compliance with POJK No. 17 of 2023, bagi Anggota Direksi yang sesuai dengan POJK No. 17 Tahun 2023. which outlines restrictions on Board Members’ share ownership. Bank mengatur bahwa anggota Direksi dan Dewan Komisaris harus Under these regulations, members of the Board of Directors and menginformasikan Sekretaris Perusahaan saat memiliki saham Bank Board of Commissioners must notify the Corporate Secretary upon agar Bank bisa segera melaporkan perihal tersebut kepada OJK acquiring shares in the Bank. The Bank is then required to report selambat-lambatnya 3 (tiga) hari kerja setelah terjadinya kepemilikan this to the OJK within 3 (three) working days. Details regarding the tersebut. Pengungkapan kepemilikan saham dari anggota Dewan share ownership of members of the Board of Commissioners and Komisaris dan Direksi ada pada bab Profil Perusahaan dari Laporan Board of Directors are included in the Company Profile chapter Tahunan ini. of this Annual Report. Perubahan-Perubahan Penting yang Terjadi Pada Important Changes that Occurred in Bank and Bank Bank dan Kelompok Usaha Bank di Tahun Berjalan Business Groups in the Current Year Sepanjang tahun 2024, tidak terdapat perubahan penting yang Throughout 2024, there were no significant changes within the terjadi pada Bank dan kelompok usaha Bank yang bersifat material Bank or its business group that would have a significant impact yang memberikan dampak secara signifikan baik secara kinerja on both financial and operational performance keuangan maupun operasional. Hal-Hal Penting yang Diperkirakan Terjadi Pada Masa Important Matters that are Expected to Occur in the Mendatang Future Perkembangan usaha Bank terkait dengan dinamika perekonomian The Bank’s business growth is closely linked to economic dynamics, yang di masa mendatang tergantung pada dinamika yang terjadi di which will continue to evolve based on current conditions. At tahun berjalan. Secara material, Bank belum dapat menyampaikan present, the Bank is unable to provide specific projections for hal-hal penting yang diperkirakan terjadi pada masa mendatang. significant future developments. However, 2025 marks a significant Tahun 2025 sekaligus menjadi momentum bagi Indonesia milestone for Indonesia, as the nation elects a new president. A dengan terpilihnya presiden baru Republik Indonesia. Situasi yang stable and conducive political environment at the beginning of the berlangsung kondusif di awal tahun diharapkan membawa sentimen year is expected to generate positive sentiment within the business positif terhadap iklim usaha, khususnya perbankan. climate, particularly in the banking sector. Pengembangan Sumber Daya Manusia Bank Human Resources Development Hingga akhir tahun 2024, Bank mempekerjakan sebanyak 470 By the end of 2024, the Bank employed 470 employees. To build karyawan. Dalam rangka membangun tim dan karyawan yang a high-quality and professional workforce capable of navigating berkualitas dan profesional dalam menghadapi kondisi bisnis yang dynamic business conditions, the Bank consistently implements dinamis, Bank secara konsisten melaksanakan program pendidikan employee education and development programs. These initiatives dan pengembangan karyawan. Hal tersebut bertujuan untuk are designed to enhance competitiveness in the rapidly evolving meningkatkan daya saing dalam menghadapi perkembangan digital banking industry, while also improving work efficiency and industri perbankan digital serta untuk meningkatkan efisiensi dan productivity. produktivitas kerja Bank. 46 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 49
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Pengembangan kompetensi yang dilakukan oleh Bank ditujukan The Bank’s competency development programs focus on
untuk meningkatkan hard skills dan soft skills dengan memperhatikan strengthening both hard skills and soft skills, ensuring employees
strategi dalam mengembangkan bisnis agar seluruh karyawan are equipped to meet the increasing competition within the banking
dapat siap menghadapi persaingan di industri perbankan yang industry. These programs align with the Bank’s commitment to
semakin ketat. Pengembangan kompetensi ini sejalan dengan continuously enhance the competence and quality of its human
komitmen Bank untuk senantiasa meningkatkan kompetensi dan resources, preparing employees for the challenges of a competitive
kualitas SDM dalam agar dapat menghadapi tantangan bisnis business environment. As of December 31, 2024, the Bank has
yang semakin kompetitif. Hingga akhir Desember 2024, Bank conducted various education, training, and certification programs,
telah menyelenggarakan berbagai program pendidikan, pelatihan including mandatory risk management training and professional
dan sertifikasi (baik manajemen risiko yang bersifat wajib maupun development certifications, for a total of 439 employees. The total
sertifikasi pengembangan profesi) kepada 439 karyawan dengan realized training expenditure for the year amounted to IDR4.853
realisasi biaya pelatihan sebesar Rp4,853 miliar. billion.
Apresiasi Appreciation
Atas pencapaian yang ditorehkan di tahun 2024, izinkan saya For the achievements realized in 2024, I would like to express, on
mewakili Direksi Allo Bank menyampaikan rasa hormat dan behalf of the Board of Directors of Allo Bank, my sincere gratitude
terima kasih kepada Dewan Komisaris serta pemegang saham, and appreciation to the Board of Commissioners, shareholders,
para pemangku kepentingan, serta jajaran manajemen dan stakeholders, management, and employees for their continued
karyawan, atas seluruh kerjasama yang telah terjalin dengan cooperation and dedication. I hope that Allo Bank will continue to
baik. Semoga Allo Bank terus dapat berkembang dan bertumbuh develop and grow in line with its vision, ultimately creating added
untuk mewujudkan visinya, yang pada akhirnya akan memberikan value for all stakeholders and ensuring sustainable business growth.
nilai tambah kepada segenap pemangku kepentingan khususnya The Board of Directors, on behalf of the Bank’s Management, also
untuk pertumbuhan usaha yang berkelanjutan. Direksi atas nama extends its deepest gratitude to the Regulators, particularly the
Manajemen Bank juga mengucapkan terimakasih yang sebesar- Financial Services Authority (OJK), for their support, supervision,
besarnya kepada Regulator khususnya Otoritas Jasa Keuangan and licensing assistance. To all AlloBankers, the Board of Directors
(OJK) atas dukungannya terhadap Allo Bank terutama dalam hal extends its highest appreciation for your hard work and dedication
perizinan, dan pengawasan yang diberikan. Kepada seluruh insan throughout the year. May Allo Bank continue to maximize its
AlloBankers, Direksi menyampaikan apresiasi setinggi-tingginya potential, enhance its capabilities, and achieve sustainable growth
atas kerja keras dan dedikasi yang diberikan. Semoga Allo Bank in the years to come.
dapat terus memaksimalkan kemampuannya dan tumbuh secara
berkelanjutan di masa yang akan datang.
Jakarta, Maret | March 2024
Indra Utoyo
Direktur Utama
President Director
2024 Annual Report & Sustainability Report
47
Page 50
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Dewan Komisaris / Board of Commissioners
Kiri ke kanan / Left to Right
Rosmaya Aviliani Ali Gunawan
Komisaris Independen Komisaris Utama Independen Komisaris
Independent Commissioner Independent President Commissioner Commissioner
48 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 51
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Direksi / Board of Directors
Kiri ke kanan / Left to Right
Ganda Raharja Rusli Sajal Bhatnagar Indra Utoyo Ari Yanuanto Asah Arief Tendeas
Direktur Manajemen Risiko, Direktur Digital Direktur Utama Direktur Keuangan, Direktur Bisnis
Kepatuhan & Hukum Digital Director President Director Operasional dan Human Capital Business Director
Director of Risk, Director of Finance,
Compliance & Legal Operations and Human Capital
2024 Annual Report & Sustainability Report
49
Page 52
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan 50 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 53
2024 Performance Management Report Company Profile
Surat Pernyataan Anggota Dewan Komisaris dan Direksi
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tentang Tanggung Jawab atas Laporan Tahunan 2024
PT Allo Bank Indonesia Tbk
Responsibility Statement of The Board of Commissioners and Board of Directors
for 2024 Annual Report of PT Allo Bank Indonesia Tbk
Kami yang bertanda tangan di bawah ini menyatakan bahwa semua We, the signatories, hereby stated that all information contained in
informasi dalam Laporan PT Allo Bank Indonesia Tbk tahun 2024 the 2024 Annual Report of PT Allo Bank Indonesia Tbk has been
telah dimuat secara lengkap dan bertanggung jawab penuh atas comprehensively presented and that we are fully accountable for
kebenaran isi Laporan Tahunan Perseroan. the accuracy of the contents of the Company’s Annual Report.
Demikian pernyataan ini dibuat dengan sebenarnya This statement is made truthfully.
Jakarta, Maret 2025 Jakarta, March 2025
Dewan Komisaris | Board of Commissioners
Aviliani Ali Gunawan Rosmaya
Komisaris Utama Independen Komisaris Komisaris Independen
Independent President Commissioner Commissioner Independent Commissioner
Direksi | Board of Directors
Indra Utoyo
Direktur Utama
President Director
Ari Yanuanto Asah Arief Tendeas
Direktur Keuangan, Operasional dan Human Capital Direktur Bisnis
Director of Finance, Operations and Human Capital Business Director
Ganda Raharja Rusli Sajal Bhatnagar
Direktur Manajemen Risiko, Kepatuhan & Hukum Direktur Digital
Director of Risk, Compliance & Legal Digital Director
2024 Annual Report & Sustainability Report
51
Page 54
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Profil Profil Perusahaan Company Profile Company Profile 52 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 55
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
2024 Annual Report & Sustainability Report
53
Page 56
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Informasi Umum dan Identitas
Perusahaan General Information and Company Identity
Nama Perusahaan PT Allo Bank Indonesia Tbk
Company Name
Nama Panggilan Allo Bank
Company Nickname
Bidang Usaha Menjalankan kegiatan usaha di bidang perbankan sesuai dengan Anggaran Dasar
Line of Business No. 242 tanggal 21 Oktober 1992
Conducting business activities in banking with reference to Article of Association No.
242 dated October 21, 1992
Perubahan Nama 1992 - PT Bank Arta Griya
Name Changes 1993 - PT Bank Harda Griya
1996 - PT Bank Harda Internasional
2015 - PT Bank Harda Internasional Tbk
2021 - PT Allo Bank Indonesia Tbk
Status Perusahaan Perusahaan Terbatas/Perusahaan Publik
Company Status Limited Company/Public Company
Tanggal Pendirian 10 Februari 1993
Date of Establishment February 10, 1993
Dasar Hukum Pendirian Akta No. 242 tanggal 21 Oktober 1992 notaris Ny. Poerbaningsih Adi Warsito. Akta
Legal Basis of Establishment Notaris No. 181 tanggal 16 Januari 1993 masih dengan notaris yang sama dengan
surat izin operasi sebagai bank umum pada tanggal 8 September 1994 dengan nama
Bank Harda Griya sesuai surat Keputusan Menteri Keuangan Republik Indonesia No.
455/KMK.017/1994.
Deed No. 242 dated October 21, 1992 by notary Mrs. Poerbaningsih Adi Warsito.
Notarial Deed No. 181 dated January 16, 1993, done with the same notary, as a permit
to operate as a conventional bank on September 8, 1994 under the name Bank
Harda Griya in accordance with the Decree of the Minister of Finance of the Republic
of Indonesia No. 455/KMK.017/1994.
Jumlah Pegawai 470 orang/people (2024)
Number of Employees
380 orang/people (2023)
Jumlah Aset 2024 Rp
13.984.013.771.497
Total Assets as of 2024
Modal Dasar Rp
4.000.000.000.000
Authorized Capital
Modal Ditempatkan Rp
2.173.025.644.200
Issued Capital
Pencatatan Saham Bursa Efek Indonesia (BEI) tanggal 12 Agustus 2015
Share Listing Date Indonesia Stock Exchange on August 12, 2015
54 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 57
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Kode Saham BBHI
Stock Code
Entitas Anak -
Subsidiaries
Pasar yang Dilayani Domestik (Indonesia)
Market(s) Served Domestic (Indonesia)
Kepemilikan Saham Kepemilikan Saham Perusahaan per 31 Desember 2024:
Share Ownership PT Mega Corpora: 60,9% / 13.228.508.531 lembar saham
PT Bukalapak.com Tbk: 11,5% / 2.497.816.903 lembar saham
Abadi Investments Pte. Ltd.: 7% / 1.521.117.930 lembar saham
PT Indolife Investama Perkasa: 6% / 1.303.815.386 lembar saham
Masyarakat: 14,6% / 3.178.997.692 lembar saham
Company Share Ownership as of December 31, 2024:
PT Mega Corpora: 60.9% / 13,228,508,531 shares
PT Bukalapak.com Tbk: 11.5% / 2,497,816,903 shares
Abadi Investments Pte. Ltd.: 7% / 1,521,117,930 shares
PT Indolife Investama Perkasa: 6% / 1,303,815,386 shares
Public: 14.6% / 3,178,997,692 shares
Data Jaringan Kantor 2024 1 Kantor Pusat/Head Office
Office Network in 2024
2 Kantor Cabang/Branch Offices
Alamat Kantor Pusat Menara Bank Mega Lt. 5 & 6
Head Office Address Jl. Kapten P. Tendean No. 12-14A, Jakarta 12790
Telp.: 62-21 5098 1399 (Hunting)
Situs Web www.allobank.com
Website
Call Center 080 4110 4110
Call Center
Whistleblowing Channel Website: https://www.allobank.com/about-us/corporate-governance
Whistleblowing Channel Email: whistleblow@allobank.com
Akun Media Sosial AlloBankID @allobankid
Social Media Accounts
@allobank @AlloBankID
Allo-bank Allo Bank Indonesia
2024 Annual Report & Sustainability Report
55
Page 58
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Riwayat Singkat
Perusahaan Brief History of the Company
Sekilas tentang Perusahaan Company at a Glance
PT Allo Bank Indonesia Tbk (selanjutnya disebut PT Allo Bank Indonesia Tbk (hereinafter referred
Allo Bank atau Bank) didirikan pada tahun 1992 to as Allo Bank or Bank) was founded in 1992
dengan nama PT Bank Arta Griya berdasarkan under the name PT Bank Arta Griya based on
Akta Pendirian No. 242 tanggal 21 Oktober Deed of Establishment No. 242 dated October
1992 yang dibuat di hadapan Poerbaningsih 21, 1992 made before Poerbaningsih Adi
Adi Warsito, S.H., Notaris di Jakarta. Warsito, S.H., Notary in Jakarta.
Di tahun 1993, PT Bank Arta Griya mengalami In 1993, PT Bank Arta Griya changed its name
perubahan nama menjadi PT Bank Harda Griya to PT Bank Harda Griya based on Deed of
berdasarkan Akta Perubahan No. 181 Tanggal Amendment No. 181 Dated January 16, 1993
16 Januari 1993 yang dibuat di hadapan made before Poerbaningsih Adi Warsito S.H.,
Poerbaningsih Adi Warsito S.H., Notaris di Notary in Jakarta. This deed has obtained
Jakarta. Akta tersebut telah memperoleh approval from the Minister of Justice of the
pengesahan dari Menteri Kehakiman Republik Republic of Indonesia based on Decree No. C2-
Indonesia berdasarkan Surat Keputusan No. 895. HT.01.01. TH.93 dated February 10, 1993,
C2-895. HT.01.01. TH.93 tanggal 10 Februari and was registered at the Registrar’s Office
1993, dan telah didaftarkan pada Kepaniteraan of the South Jakarta District Court No. 127/A/
Pengadilan Negeri Jakarta Selatan No. 127/A/ PT/HKM/1993/PN.JAK.SEL dated February
PT/HKM/1993/PN.JAK.SEL tanggal 12 Februari 12, 1993, and has been published in the State
1993, serta telah diumumkan dalam Berita Gazette of the Republic of Indonesia No. 25
Negara Republik Indonesia No. 25 Tanggal 27 Dated March 27, 1993, Supplement to the State
Maret 1993, Tambahan Berita Negara Republik Gazette of the Republic of Indonesia No. 1316.
Indonesia No. 1316. Selanjutnya di tahun 1996, Furthermore, in 1996, the Bank had another
Bank kembali mengalami perubahan nama name changed from PT Bank Harda Griya to PT
dari PT Bank Harda Griya menjadi menjadi PT Bank Harda Internasional based on Deed No.
Bank Harda Internasional berdasarkan Akta No. 23 dated December 10, 1996 which was made
23 tanggal 10 Desember 1996 yang dibuat di before Triphosa Lily Ekadewi, S.H., Notary in
hadapan Triphosa Lily Ekadewi, S.H., Notaris Ciputat and obtained approval from the Minister
di Ciputat dan telah mendapatkan persetujuan of Justice of the Republic of Indonesia based
dari Menteri Kehakiman Republik Indonesia on Decree No. C2-1473.HT.01.04.TH.97 dated
berdasarkan Keputusan No. C2-1473.HT.01.04. September 25, 1997.
TH.97 tanggal 25 September 1997.
56 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 59
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Setelah lebih dari 2 (dua) dekade, Bank selanjutnya mengambil After more than 2 (two) decades, the Bank took strategic steps
langkah strategis dengan melakukan Penawaran Saham Perdana by conducting an Initial Share Offering on the Indonesia Stock
di Bursa Efek Indonesia pada tahun 2015 sehingga menjadikan Exchange in 2015. Through these offering, the Bank changed
Bank berubah statusnya menjadi perusahaan terbuka dengan nama its status to a public company under the name PT Bank Harda
PT Bank Harda Internasional Tbk. Perubahan ini dinyatakan dalam Internasional Tbk. These changes were stated in the Deed of
Akta Berita Acara Rapat Umum Pemegang Saham Luar Biasa No. Minutes of the Extraordinary General Meeting of Shareholders No.
31 tanggal 18 Maret 2015 yang dibuat di hadapan Edward Suharjo 31 dated March 18, 2015 which was made before Edward Suharjo
Wiryomartani., S.H., M.Kn., Notaris di Jakarta Barat dan telah Wiryomartani., S.H., M.Kn., Notary in West Jakarta and received
memperoleh Penerimaan Pemberitahuan Perubahan Anggaran the Notification of Amendments to the Articles of Association from
Dasar dari Menkumham melalui Surat No. AHU AH.01.03-0017606 the Minister of Law and Human Rights through Letter No. AHU-
tanggal 19 Maret 2015. Pencatatan saham di BEI ini bertujuan AH.01.03-0017606 dated March 19 2015. The aim of listing shares
untuk memperkuat struktur keuangan dan meningkatkan daya on the IDX is to strengthen the financial structure and increase
saing usaha di dunia perbankan. business competitiveness in the banking world.
Pada tahun 2021, PT Bank Harda Internasional Tbk resmi diakuisisi In 2021, PT Bank Harda Internasional Tbk was officially acquired
oleh PT Mega Corpora. Setelah mendapat persetujuan dari Otoritas by PT Mega Corpora. After obtaining approval from the Financial
Jasa Keuangan, pada Juni 2021, PT Bank Harda Internasional Services Authority, in June 2021, PT Bank Harda Internasional
Tbk resmi berganti nama menjadi PT Allo Bank Indonesia Tbk. Tbk officially changed its name to PT Allo Bank Indonesia Tbk.
Perubahan nama tersebut dinyatakan dalam Akta Perubahan The name change is stated in the Deed of Amendment to the
Anggaran Dasar No. 1 tanggal 2 Juni 2021 yang dibuat di hadapan Articles of Association No. 1 dated June 2, 2021 which was made
Dharma Akhyuzi, S.H., Notaris di Jakarta, dan akta tersebut telah before Dharma Akhyuzi, S.H., Notary in Jakarta, and the deed was
memperoleh persetujuan dari Menkumham No. AHU-0031692. approved by the Minister of Law and Human Rights No. AHU-
AH.01.02 tahun 2021 tanggal 2 Juni 2021. Perubahan nama 0031692.AH.01.02 of 2021 dated June 2, 2021. The name change
menjadi PT Allo Bank Indonesia Tbk telah mendapat persetujuan to PT Allo Bank Indonesia Tbk has received approval from the
dari Otoritas Jasa Keuangan berdasarkan Keputusan Deputi Dewan Financial Services Authority based on Decree of the Deputy Board
Komisioner Pengawas Perbankan I Otoritas Jasa Keuangan No. of Commissioners for Banking Supervision I of the Financial Services
KEP-48/PB-1/2021 tanggal 30 Juni 2021 tentang Penetapan Authority No. KEP-48/PB-1/2021 dated June 30, 2021 concerning
Penggunaan Izin Usaha Atas Nama PT Bank Harda Internasional Stipulation of Using of a Business License on behalf of PT Bank
Tbk Menjadi Izin Usaha Atas Nama PT Allo Bank Indonesia Tbk. Harda Internasional Tbk to Become a Business License on behalf
of PT Allo Bank Indonesia Tbk.
2024 Annual Report & Sustainability Report
57
Page 60
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Sejak grand launching pada 20 Mei 2022, PT Allo Bank Indonesia Since its grand launch on May 20, 2022, PT Allo Bank Indonesia Tbk telah berkembang menjadi bank umum berbasis layanan digital Tbk has developed into a leading digital service-based conventional terkemuka dengan melayani lebih dari 11 juta nasabah per akhir bank serving more than 11 million customers by the end of 2024. tahun 2024. Untuk produk dan layanan, Allo Bank menawarkan Allo Bank offers a variety of innovative digital banking products berbagai produk dan layanan perbankan digital yang inovatif and services including Allo Pay, Allo Pay+, Allo Prime, Allo Grow, termasuk Allo Pay, Allo Pay+, Allo Prime, Allo Grow, PayLater dan PayLater and Instant Cash. The name “Allo” is an abbreviation of Instant Cash. Nama “Allo” merupakan singkatan dari All in One, All in One, which reflecting the Bank’s aspirations for its customers yang mewujudkan aspirasi Bank bagi nasabahnya untuk Experience to Experience a Simple Life. In addition, Allo Bank is a subsidiary a Simple Life. Selain itu, Allo Bank adalah anak perusahaan dari CT of CT Corpora, a leading consumer-focused integrated business Corpora, sebuah grup bisnis terintegrasi terkemuka yang berfokus group in Indonesia with various businesses in financial services, pada konsumen di Indonesia dengan beragam usaha di layanan media, retail, lifestyle and entertainment. keuangan, media, ritel, gaya hidup, dan hiburan. Anggaran Dasar Bank juga telah mengalami beberapa kali The Bank’s Articles of Association have undergone several changes. perubahan. Di tahun 2022, Anggaran Dasar Bank mengalami In 2022, the Articles of Association were amended, as outlined in perubahan yang ditetapkan berdasarkan Akta Perubahan Anggaran the Deed of Amendment to the Articles of Association No. 05, dated Dasar No. 05 tanggal 15 Oktober 2021 yang dibuat di hadapan October 15, 2021, executed before Dharma Akhyuzi, S.H., Notary Dharma Akhyuzi, S.H., Notaris di Jakarta. Selanjutnya, Bank kembali in Jakarta. Subsequently, further amendments were made in 2023, melakukan perubahan Anggaran Dasar pada tahun 2023 yang as ratified through Deed No. 01, dated June 14, 2023, executed telah disahkan melalui Akta No. 01 tanggal 14 Juni 2023 yang before Dharma Akhyuzi, S.H., Notary in Jakarta. These amendments dibuat di hadapan Dharma Akhyuzi, S.H., Notaris di Jakarta yang received approval from the Minister of Law and Human Rights of telah memperoleh persetujuan dari Menteri Hukum dan Hak Asasi the Republic of Indonesia through Decree No. AHU-0039698. Manusia Republik Indonesia dengan Surat Keputusan No. AHU- AH.01.02.Year 2023, dated July 12, 2023, and were registered in 0039698.AH.01.02.Tahun 2023 tanggal 12 Juli 2023 dan telah the Company Register No. AHU-0131254.AH.01.11 dated July 12, didaftarkan dalam Daftar Perseroan No. AHU-0131254. AH.01.11 2023. The changes were made to align with prevailing laws and tanggal 12 Juli 2023. Perubahan tersebut disesuaikan dengan regulations in the Banking and Capital Market sectors, including ketentuan peraturan perundang-undangan di sektor Perbankan Law No. 4 of 2023 on the Development and Strengthening of the dan Pasar Modal yang berlaku, yaitu Undang-Undang Republik Financial Sector to adjust the Bank’s business activities and Financial Indonesia No. 4 Tahun 2023 tentang Pengembangan dan Services Authority Regulation No. 17 of 2023 on the Implementation Penguatan Sektor Keuangan untuk penyesuaian kegiatan usaha of Governance for conventional bank to accommodate changes in Bank serta Peraturan Otoritas Jasa Keuangan No. 17 tahun 2023 the number of members of the Board of Directors and the Board tentang Penerapan Tata Kelola bagi Bank Umum untuk penyesuaian of Commissioners. jumlah komposisi anggota Direksi dan anggota Dewan Komisaris Bank. 58 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 61
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Informasi
Perubahan Nama Change of Name Information
Tanggal Efektif
Nama Alasan Perubahan Perubahan Nama
No. Name Reason for Change Effective Date of Name
Change
Berawal dengan nama PT Bank Arta Griya.
1. PT Bank Arta Griya 1992
Started off with the name PT Bank Arta Griya.
Mengikuti arahan Pemegang Saham dan Manajemen Bank.
2. PT Bank Harda Griya Following the direction of Shareholders and Bank 1993
Management.
Mengikuti arahan Pemegang Saham dan Manajemen Bank.
3. PT Bank Harda Internasional Following the direction of Shareholders and Bank 1996
Management.
Melakukan Penawaran Saham Perdana (IPO)/mencatatkan
sahamnya di Bursa Efek Indonesia. Dengan begitu, PT Bank
Harda Internasional berubah status menjadi perusahaan
terbuka atau menjadi PT Bank Harda Internasional Tbk.
4. PT Bank Harda Internasional Tbk Carried out an Initial Public Offering (IPO)/listed the 2015
Company’s shares on the Indonesia Stock Exchange.
Through this, PT Bank Harda Internasional changed its
status to become a public company, specifically, PT Bank
Harda Internasional Tbk.
PT Bank Harda Internasional Tbk resmi diakuisisi oleh
PT Mega Corpora. Setelah mendapat persetujuan dari
Otoritas Jasa Keuangan, pada Juni 2021, PT Bank Harda
Internasional Tbk resmi berganti nama menjadi PT Allo
Bank Indonesia Tbk.
5. PT Allo Bank Indonesia Tbk 2021
PT Bank Harda Internasional Tbk was officially acquired
by PT Mega Corpora. After obtaining approval from the
Financial Services Authority, PT Bank Harda Internasional
Tbk officially changed its name to PT Allo Bank Indonesia
Tbk in June 2021.
2024 Annual Report & Sustainability Report
59
Page 62
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Jejak Langkah
Allo Bank Allo Bank Milestones
1992 2021 2022
Berawal dengan nama PT Bank Arta Griya • Maret: PT Bank Harda Internasional • Januari: Right Issue (PUT III) Rp4,8
The Bank was established with the name Tbk resmi diakuisisi oleh PT Mega triliun (Buku 3, KBMI 2)
PT Bank Arta Griya Corpora • Mei: Allo Bank Grand Launching dan
• Juni: Setelah mendapat persetujuan Allo Bank Festival
dari Otoritas Jasa Keuangan, pada Juni • Juli: Relokasi kantor pusat ke Menara
2021, PT Bank Harda Internasional Tbk Bank Mega
1993 resmi berganti nama menjadi PT Allo
Bank Indonesia Tbk
•
•
Desember: Pencapaian 5 juta nasabah
January: Rights Issue (PUT III) IDR 4.8
• Juli: Right Issue (PUT II) Rp750 miliar trillion (Book 3, KBMI 2)
• Agustus: Bank berganti logo menjadi • May: Held Allo Bank Grand Launching
Berganti nama menjadi PT Bank Harda Allo Bank yang merefleksikan model and Allo Bank Festival
Griya sebelumnya bernama Bank Harda bisnis baru, adaptif dan relevan dengan • July: Relocation of head office to
Changed its name to PT Bank Harda perkembangan saat ini khususnya Menara Bank Mega
Griya, which was previously named Bank dalam mendukung pertumbuhan • December: Achievement of 5 million
Harda inklusi ekonomi digital di Indonesia. customers
• November: Soft launch ke 40.000
karyawan CT Corp
• March: PT Bank Harda Internasional
1994 Tbk was officially acquired by PT Mega
Corpora
• June: After receiving approval from the
Financial Services Authority, in June
Memulai operasional bank untuk pertama 2021, PT Bank Harda Internasional Tbk
kalinya officially changed its name to PT Allo
Commenced banking operations for the Bank Indonesia Tbk
first time • July: Rights Issue (PUT II) IDR 750
billion
• August: Bank changed its logo to Allo
Bank which reflects a new business
1996 model, adaptive and relevant to
current developments, especially
in supporting the growth of digital
economic inclusion in Indonesia.
Berganti nama menjadi PT Bank Harda • November: Soft launch to 40,000 CT
Internasional (BHI) Corp employees
Changed its name to PT Bank Harda
International (BHI)
2015
Melakukan Penawaran Saham Perdana
(IPO)
Carried out an Initial Stock Offering (IPO)
60 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 63
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
2023 2024
• Februari: Digital banking app terbanyak diunduh periode Juni • Mei: Allo Bank menyelesaikan pembangunan Pusat Data
2022 - Februari 2023 Bersertifikat TIA Rated-3 baru sebagai tulang punggung
• Mei: Allo Bank menyelenggarakan Road to Allo Bank Fest 2023 infrastruktur TI untuk mendukung aspirasi pertumbuhan Bank.
• Juli: Mendapatkan Sertifikasi ISO/IEC 27001:2022 • Juni: Bank selenggarakan ALLO BANK FESTIVAL 2024 pada
• Agustus: Allo Bank menyambut HUT RI Ke-78 dengan 21-22 Juni 2024 dengan mengusung tema Intimate Concert
meluncurkan Tabungan Flexible Allo Grow Experience dengan bintang tamu internasional WAY V di
• September: Allo Bank meraih “The Best Digital-Only Bank” dari ISTORA SENAYAN JAKARTA bersama berbagai musisi nasional
The Asian Banker Indonesia.
• September: Mendapatkan Rating Korporasi idA dengan Stable • September: Allo Bank memperoleh assessment COBIT 2019
Outlook dari PT Pemeringkat Efek Indonesia (Pefindo) dengan Tingkat Maturitas TI di level 4,21 pada 10 September
• November: Allo Bank menyelenggarakan Acara Meet and Greet 2024.
yang bertajuk Allo Bank Hangout: Untung Bareng Baekhyun • November: Allo Bank mencatatkan 11 juta nasabah yang tersebar
(EXO) di seluruh Indonesia.
• February: The most downloaded digital banking app for the • May: Allo Bank completed the construction of a new TIA Rated-3
period of June 2022 - February 2023 Certified Data Center as the backbone of its IT infrastructure to
• May: Allo Bank held Road to Allo Bank Fest 2023 support the Bank’s growth aspirations.
• July: Obtained ISO/IEC 27001:2022 Certification • June: The Bank held ALLO BANK FESTIVAL 2024 on 21-22
• August: Allo Bank celebrated the 78th Independence Day of the June 2024 with the theme Intimate Concert Experience with
Republic of Indonesia by launching Allo Grow Flexible Savings international guest star WAY V at ISTORA SENAYAN JAKARTA
• September: Allo Bank won “The Best Digital- Only Bank” from along with various Indonesian national musicians.
The Asian Banker • September: Allo Bank achieved the COBIT 2019 assessment
• September: Obtained an idA Corporate Rating with the rate of with an IT Maturity Level of 4.21 on September 10, 2024.
Stable Outlook from PT Pemeringkat Efek Indonesia (Pefindo) • November: Allo Bank reached a remarkable milestone with 11
• November: Allo Bank held a Meet and Greet Event entitled Allo million customers across Indonesia.
Bank Hangout: Untung Bareng Baekhyun (EXO)
2024 Annual Report & Sustainability Report
61
Page 64
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Kegiatan Usaha dan Pasar
yang Dilayani Business Activities and Markets Served
Kegiatan Usaha Berdasarkan Business Activities and Markets
Anggaran Dasar Served
Berdasarkan Pasal 3 Anggaran Dasar Bank Based on Article 3 of the Bank’s Articles of
yang terakhir diubah dan disahkan melalui Association, which was last amended and
Akta No. 01 tanggal 14 Juni 2023 yang dibuat ratified through Deed No. 01 dated June 14,
di hadapan Dharma Akhyuzi, S.H., Notaris di 2023 which was made before Dharma Akhyuzi,
Jakarta yang telah memperoleh persetujuan S.H., Notary in Jakarta, and approved by the
dari Menteri Hukum dan Hak Asasi Manusia Minister of Law and Human Rights of the
Republik Indonesia dengan Surat Keputusan No. Republic of Indonesia with Decree No. AHU-
AHU-0039698.AH.01.02.Tahun 2023 tanggal 0039698. AH.01.02.Year 2023 dated July 12,
12 Juli 2023 dan telah didaftarkan dalam Daftar 2023 and has been registered in the Company
Perseroan No. AHU-0131254.AH.01.11 tanggal Register No. AHU-0131254. AH.01.11 dated July
12 Juli 2023, maksud dan tujuan Bank adalah 12, 2023. The aim and objective of the Bank
melakukan usaha di bidang perbankan sesuai is to conduct business in the banking sector in
dengan ketentuan peraturan perundang- accordance with the provisions of applicable
undangan yang berlaku, serta optimalisasi laws and regulations. The Bank also aims
pemanfaatan sumber daya yang dimiliki Bank to optimize the utilization of its resources to
untuk menghasilkan barang dan/atau jasa produce high-quality goods and/or services
yang bermutu tinggi dan berdaya saing kuat with strong competitiveness, aiming to generate
untuk mendapat/mengejar keuntungan guna profits and increase the value of the Bank by
meningkatkan nilai Bank dengan menerapkan applying the principles of Limited Liability
prinsip-prinsip Perseroan Terbatas. Companies.
Produk dan Layanan Products and Services
Di tahun 2024, Bank senantiasa Throughout 2024, the Bank continued to
mengembangkan layanan perbankan digital develop digital banking services for savings
untuk tabungan dan fitur-fitur pembayaran, and payment features, including:
meliputi:
1. Produk uang elektronik dengan branding 1. Electronic money products with Allo Pay
Allo Pay dan Allo Pay+ and Allo Pay+ branding
2. Produk tabungan termasuk Allo Prime dan 2. Savings products include Allo Prime and
Allo Grow Allo Grow
3. Deposito 3. Time Deposits
4. Kredit digital dengan branding PayLater 4. Digital credit with PayLater and Instant Cash
dan Instant Cash branding
5. Layanan Transfer Dana, tarik tunai tanpa 5. Fund Transfer Services, cardless cash
kartu, top up uang elektronik, pembayaran withdrawals, electronic money top ups,
QRIS, layanan pembayaran biller dan QRIS payments, biller payment services and
program loyalty berupa Membership, Point, loyalty programs in the form of Membership,
dan Coupon (MPC). Points and Coupons (MPC).
6. Rekening Dana Nasabah (RDN) 6. Customer Fund Account (RDN)
62 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 65
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Peta
Wilayah Usaha Business Area Map
Allo Bank selaku perusahaan perbankan umum As a company operates in the digital banking
berbasis layanan digital memiliki 1 Kantor Pusat sector, the Bank has 1 Head Office and 2 Branch
dan 2 Kantor Cabang yang berlokasi di Jakarta. Offices located in Jakarta.
2024 Annual Report & Sustainability Report
63
Page 66
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Struktur
Organisasi Organizational structure
Board of
Commissioners
Risk Oversight Committee, Audit Committee,
Remuneration & Nomination Committee
President Director
Risk Management Committee, IT Steering Committee, ALCO,
Credit Committee, Product Committee, Human Capital Committee
Finance, Operations &
Digital
Human Capital
Digital Digital Lending Product
Finance & Accounting Customer Care
Strategy & Business
Digital Non-Lending Business Planning, Facility,
Business Unit Relations Collection
Product & Vendor Management
Digital Business Transaction Processing
Growth Process Management
Partnership & Monitoring
Human Capital
Supply Chain Financing Credit Operations
Strategy & Service
Creative Lab Network Operations
64 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 67
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Sejalan dengan dinamika bisnis yang semakin berkembang In response to the growing dynamics of the business environment
serta ketatnya persaingan perbankan berbasis digital, Allo Bank and increasing competition in digital banking, Allo Bank continues
terus memperbaiki dan memperkuat struktur organisasinya guna to enhance and strengthen its organizational structure to achieve
mencapai tujuan yang telah ditetapkan. Struktur organisasi Bank its established goals. The Bank’s current organizational structure
terakhir disahkan melalui Surat Keputusan Direksi No. 082/ was last ratified through the Decree of the Board of Directors No.
DIRAB/24 tanggal 18 September 2024 tentang Perubahan Struktur 082/DIRAB/24, dated September 18, 2024, concerning changes
Organisasi. Adapun struktur organisasi Bank di tahun 2024 dapat to the organizational structure. Details of the Bank’s organizational
dilihat sebagai berikut: structure for 2024 are as follows:
Risk, Compliance,
Business
& Legal
Enterprise, Operational, Compliance Aplication
Credit
& Market Risk & AML CTF Management
Credit Review & IT Infrastructure
Funding Credit Risk
Restructure & Operations
Treasury Cyber Risk Legal It Security
Data
Branch Anti Fraud
Management
Corp Secretary & Program
Management Office
Internal
Audit
IT Strategy & Governance
2024 Annual Report & Sustainability Report
65
Page 68
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Visi, Misi, dan Budaya
Perusahaan Vision, Mission, and Corporate Culture
Visi Vision
Menjadi bank umum berbasis layanan digital terbaik melalui aplikasi
ALL in One dengan memanfaatkan ekosistem untuk memberikan
nilai tambah yang sebesar-besarnya bagi bangsa.
Become the best digital-based commercial bank through the All-in-One application by utilizing the
ecosystem to provide greatest added value for society and the nation.
Misi Mision
Menyediakan produk dan layanan perbankan digital inovatif
terintegrasi dengan ekosistem yang memberikan solusi dan seamless
customer experience bagi nasabah serta memberikan nilai tambah
yang tinggi kepada seluruh pemangku kepentingan.
Offering innovative digital banking products and services integrated with ecosystems that provides solutions
and seamless customer experience for customers and extending high added value to all stakeholders.
Review Visi dan Misi oleh Manajemen Management Review of Allo Bank Vision and Mission
Visi dan misi Bank ditetapkan dan diberlakukan sesuai dengan kajian The Bank’s Vision and Mission are determined and implemented
yang telah dilakukan secara berkala untuk memastikan relevansinya through regular reviews to ensure their relevance to developments
dengan perkembangan lingkungan bisnis Bank. Pernyataan terkait in the Bank’s business environment. Statements related to the
visi dan misi Bank yang tertuang dalam Rencana Bisnis Bank (RBB) Bank’s Vision and Mission contained in the Bank’s Business Plan
telah mendapatkan persetujuan bersama dari Dewan Komisaris have received approval from both the Board of Commissioners and
dan Direksi. Hingga tahun 2024, Dewan Komisaris dan Direksi Directors. To date, the Board of Commissioners and Directors assess
menilai bahwa pencapaian visi dan misi Bank masih relevan dengan that the achievement of the Bank’s Vision and Mission is still relevant
perkembangan dan kondisi lingkungan bisnis pada tahun buku to the development and conditions of the business environment
serta arah dan tujuan bisnis Bank. in 2023 as well as the Bank’s business direction and objectives.
66 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 69
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Budaya
Perusahaan Corporate Culture
Dalam rangka memastikan pengelolaan dan pelaksanaan To ensure the effective management and implementation of
bisnis Bank dapat berjalan secara optimal di seluruh aktivitas the Bank's business across all operational activities, the Bank
operasional yang dilakukan, Bank menetapkan budaya has established a corporate culture centered on its Core
perusahaan dengan memegang teguh Nilai Inti Bank. Nilai- Values. These values serve as norms and general behavioral
nilai ini berperan sebagai sebuah norma atau pedoman guidelines for all Bank personnel in their daily activities. The
perilaku umum bagi seluruh Insan Bank dalam menjalankan Bank's Core Values play a pivotal role in supporting and
aktivitasnya sehari-hari. Nilai Inti Bank memegang peranan realizing its vision and mission. They are encapsulated in
penting dalam menopang dan mewujudkan visi dan misi seven key principles, represented by the acronym "DIGITAL",
melalui 7 (tujuh) nilai inti (core values) dengan akronim which were introduced in early December 2022 through
“DIGITAL” yang diluncurkan pada awal Desember 2022 the Allo Temu program. Details of the Bank's Core Values
melalui program Allo Temu. Nilai Inti Bank adalah sebagai are as follows:
berikut:
Kami mengambil keputusan dan memecahkan masalah berdasarkan data dan informasi
Data-driven yang kredibel
We make decisions and solve problems based on credible data and information
Kami memberikan solusi dan dampak positif kepada semua stakeholders
Impact We provide solutions and positive impacts to all stakeholders
Kami terus menerus tumbuh dan berkembang secara berkesinambungan untuk masa
Growth depan yang lebih baik
We are continuously growing and developing on an ongoing basis for a better future
Kami bekerjasama dengan semua pihak secara harmonis yang berorientasi pada hasil
In harmony We work harmoniously with all parties in a result-oriented manner
Kami berperilaku jujur dan transparan dalam segala aspek pekerjaan
Transparency We behave honestly and transparently in all aspects of our work
Kami tangkas beradaptasi terhadap semua perubahan yang terjadi
Agility We are quick to adapt to all the changes that occur
Kami terus belajar, berbagi dan menerapkan pengetahuan dan keterampilan baru untuk
Learning mengembangkan kompetensi diri
We are constantly learning, sharing and applying knowledge and skills to develop self-
competence
2024 Annual Report & Sustainability Report
67
Page 70
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Makna Logo dan Meaning Behind the
Motto Perusahaan Company’s Logo and Motto
Perubahan nama dan penggunaan logo perusahaan ditentukan Changes to the name and use of the company logo are determined
melalui Surat Keputusan Direksi No. 044/DIRAB/21 tentang by Directors’ Decree No. 044/DIRAB/21 concerning Change of
Perubahan Nama menjadi PT Allo Bank Indonesia Tbk (Allo Bank). name to PT Allo Bank Indonesia Tbk (Allo Bank).
Moto
Motto “All for One,
One for All”
Moto Bank merupakan misi kolaboratif untuk menemukan solusi, Bank's motto represents a collaborative mission to find solutions,
tumbuh lebih kuat, dan meraih mimpi hari esok yang lebih cerah grow stronger and achieve the dream of a brighter tomorrow
bersama dengan semua pelanggan. together with all customers.
68 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 71
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Profil Dewan
Komisaris Board of Commissioners Profiles
Aviliani
Komisaris Utama Independen
Independent President Commissioner
Periode Jabatan: Kedua 62 tahun WNI
Term of Office: Second 62 years old Indonesian
Domisili Domisili
Jakarta, DKI Jakarta, Indonesia Jakarta, DKI Jakarta, Indonesia
Dasar Hukum Pengangkatan Pertama Kali Dasar Hukum Pengangkatan Pertama Kali
Diangkat pertama kali sebagai Komisaris Utama Independen Allo She was appointed for the first time as Independent President
Bank dalam Rapat Umum Pemegang Saham (RUPS) Tahunan tahun Commissioner of Allo Bank at the Annual General Meeting of
buku 2022 tertanggal 19 Mei 2022 berdasarkan Akta Pernyataan Shareholders (GMS) for the 2022 fiscal year that took place on
Keputusan Rapat No. 107 tanggal 16 Juni 2022 dan mendapatkan May 19, 2022. This appointment was based on the Deed of Annual
persetujuan Otoritas Jasa Keuangan (OJK) melalui Keputusan General Meeting of Shareholders No. 107 dated June 16, 2022 and
Deputi Komisioner Pengawas Perbankan I Otoritas Jasa Keuangan has obtained approval from the Financial Services Authority (OJK)
No. KEP-24/PB.1/2022 tanggal 9 Juni 2022 tentang Hasil Penilaian through Decree of the Deputy Commissioner of Banking Supervision I
Kemampuan dan Kepatutan Sdri. Aviliani selaku Calon Komisaris of the Financial Services Authority No. Kep-24/PB.1/2022 dated June
Utama Independen PT Allo Bank Indonesia Tbk. 9, 2022 concerning Results of the Fit and Proper Test of Ms. Aviliani
as the Independent President Commissioner Candidate of PT Allo
Bank Indonesia Tbk.
Riwayat Pendidikan Riwayat Pendidikan
• S3, Manajemen Bisnis, Institut Pertanian Bogor (2006 - 2012) • Doctorate Degree in Business Management, Bogor Agricultural
Institute (2006-2012)
• S2, Ilmu Sosial Ilmu Politik, Universitas Indonesia (1992 - 1995) • Master’s Degree, Social Science Political Science, University of
Indonesia (1992-1995)
• S1, Ekonomi, Universitas Atma Jaya, Jakarta (1981 - 1985) • Bachelor’s Degree, Economics, Atma Jaya University, Jakarta
(1981-1985)
Sertifikasi Sertifikasi
• Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP (2024) • Level 6 LSP LSPP Risk Management Certification (2024)
• Refreshment Sertifikasi Manajemen Risiko, Efektifpro, Jakarta • Refreshment Certification of Risk Management, Efektifpro, Jakarta
(2023) (2023)
• Sertifikasi Manajemen Risiko level 2 khusus Komisaris “Economic • Risk Management Certification Level 2 for Commissioner
Outlook 2022; Recovery during a Pandemic and Integrating to “Economic Outlook 2022; recovery during a Pandemic and
Liquidity Risk” yang diselenggarakan Maisari Edukasi, Jakarta Integrating to Liquidity risk”, held by Maisari Education, Jakarta
(2021) (2021)
• Sertifikasi Manajemen Risiko level 2 khusus Komisaris yang • Risk Management Certification Level 2 for Commissioner held by
diselenggarakan BARA (2020) BARA (2020)
• Sertifikasi Manajemen Risiko level 2 khusus Komisaris yang • Risk Management Certification Level 2 for Commissioner held by
diselenggarakan InfoBank, Jakarta (2019) InfoBank, Jakarta (2019)
• Sertifikasi Manajemen Risiko level 2 khusus Komisaris • Risk Management Certification Level 2 for Commissioner
“Strengthening Infrastructures for Financial Crisis Resolution” yang “Strengthening Infrastructures for Financial Crisis Resolution” held
diselenggarakan oleh LSPP, Jakarta (2018) by LSPP, Jakarta (2018)
• Program Refreshment Enhancing The Power of Enterprise Risk • Program Refreshment Enchancing The Power of Enterprise
Financial Management in Creating a Sound Bank and Risk Risk Financial Management in Creating a Sound Bank and Risk
Management yang diselenggarakan BARA, Stockholm (2016) Management, held by BARA, Stockholm (2016)
2024 Annual Report & Sustainability Report
69
Page 72
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
• Program Refreshment Key Risk Management Challenges yang • Key Risk Management Challenges Refreshment Program, held by
diselenggarakan BARA, Moscow (2014) BARA, Moscow (2014)
• Risk Management Certification Refreshment Program Beyond • Risk Management Certification Refreshment Program Beyond
Regulation yang diselenggarakan BARA, Turkey (2013) Regulation, held by BARA, Turkey (2013)
• Program Executive International Conference yang diselenggarakan • Executive Program International Conference, held by BARA,
BARA, London (UK) (2013) London (UK) (2013)
• Program Refreshment Survival in Crisis: “Enhancing Bank Strategy • Survival in Crisis Refreshment Program: “Enhancing Bank Strategy
and performance, Implementing BCM and Fraud Prevention and performance, Implementing BCM and Fraud Prevention
Process” yang diselenggarakan BARA, Tokyo-Jepang (2012) Process”, held by BARA, Tokyo-Japan (2012)
• Executive Banking Forum: Financial Sector Expertise Exchange • Executive Banking Forum: Financial Sector Expertise Exchange
Program yang diselenggarakan Forum Belanda- Indonesia, Program, organized by the Dutch Indonesian Forum, Amsterdam
Amsterdam (2011) (2011)
• Sertifikasi Manajemen Risiko untuk Komisaris yang diselenggarakan • Risk Management Certification for Commissioners held by BSMR,
oleh BSMR, Hongkong (2005) Hongkong (2005)
Riwayat Pekerjaan Employment History
• Komisaris Utama Independen PT Allo Bank Indonesia Tbk (Juni • President Commissioner concurrently as Independent
2022 - sekarang) Commissioner of PT Allo Bank Indonesia Tbk (June 2022 -
present)
• Komisaris Independen PT Bank Mega Tbk (Februari 2018 - • Independent Commissioner of PT Bank Mega Tbk (February 2018
Februari 2022) - February 2022)
• Komisaris Independen PT Aplikanusa Lintasarta (April 2017 - • Independent Commissioner of PT Aplikanusa Lintasarta (April
sekarang) 2017 - present)
• Komisaris Independen (Pejabat Eksekutif) dan Ketua Komite Audit • Independent Commissioner (Executive Officer) and Chairman
PT Bank Mandiri (Persero) Tbk (21 Mei 2014 - 14 Maret 2017) of the Audit Committee of PT Bank Mandiri Tbk (May 21, 2014 -
March 14, 2017)
• Komisaris Independen PT Dyandra (Desember 2012 - Desember • Independent Commissioner of PT Dyandra (December 2012 -
2017) December 2017)
• Komisaris Independen (Pejabat Eksekutif) PT Bank BRI Tbk (15 Mei • Independent Commissioner (Executive Officer) PT Bank BRI Tbk
2005 - 21 Mei 2014) (May 15, 2005 - May 21, 2014)
• Staf Pengajar Perbanas Institute (10 Agustus 2010 - sekarang) • Perbanas Institute Teaching Staff (August 10, 2010 - present)
• Sekretaris Komite Ekonomi Nasional (10 Oktober 2010 - 20 • Secretary of the National Economic Committee (October 10, 2010
Oktober 2014) - October 20, 2014)
• Wakil Sekretaris KP3EI (10 November 2012 - 20 Oktober 2014) • Deputy Secretary of KP3EI (November 10, 2012 – October 20,
2014)
• Ketua Jurusan Universitas Paramadina (20 Mei 2002 - 10 Juni • Head of Department of Paramadina University (May 20, 2002 -
2005) June 10, 2005)
• Dosen/Pengajar STIE Perbanas (5 Maret 1989 - 20 April 2002) • Lecturer/Teacher at STIE Perbanas (March 5, 1989 – April 20,
2002)
• Pembantu Ketua (PUREK II) STIE Perbanas (15 Juni 2000 - 20 • Assistant Head (PUREK II) at STIE Perbanas (June 15, 2000 - April
April 2002) 20, 2002)
• Wakil Direktur Penelitian dan Pengabdian STIE Perbanas (10 • Deputy Director of Research and Service at STIE Perbanas
Januari 1997 - 5 Desember 1999) (January 10, 1997 - December 5, 1999)
• Wakil Direktur Pengembangan Bisnis INDEF (10 Juni 1997 - 15 • INDEF Deputy Business Development Director (June 10, 1997 -
November 1999) November 15, 1999)
Informasi Rangkap Jabatan Information on Concurrent Positions
Komisaris Independen PT Aplikanusa Lintasarta (April 2017 - Independent Commissioner of PT Aplikanusa Lintasarta (April 2017
sekarang) - present)
Hubungan Afiliasi Affiliate Relations
Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, She has no affiliation with members of the Board of Directors, other
anggota Dewan Komisaris lainnya, maupun dengan Pemegang members of the Board of Commissioners, or with the Controlling and
Saham Pengendali dan Utama. Majority Shareholders.
Kepemilikan Saham Shareholding
Beliau tidak memiliki saham di PT Allo Bank Indonesia Tbk. She does not own shares in PT Allo Bank Indonesia Tbk.
70 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 73
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Rosmaya
Komisaris Independen
Independent Commissioner
Periode Jabatan: Kedua 65 tahun WNI
Term of Office: Second 65 years old Indonesian
Domisili Domisili
Cinere, Depok, Jawa Barat, Indonesia Cinere, Depok, West Java, Indonesia
Dasar Hukum Pengangkatan Pertama Kali Dasar Hukum Pengangkatan Pertama Kali
Diangkat pertama kali sebagai Komisaris Independen Allo Bank She was appointed for the first time as Independent Commissioner of
dalam Rapat Umum Pemegang Saham (RUPS) Tahunan tahun buku Allo Bank at the Annual General Meeting of Shareholders (GMS) for
2022 tertanggal 19 Mei 2022 berdasarkan Akta Berita Acara Rapat the 2022 fiscal year dated May 19, 2022 based on the Deed of Minutes
Umum Pemegang Saham Tahunan No. 107 tertanggal 16 Juni 2022 of the Annual General Meeting of Shareholders No. 107 dated June
dan mendapatkan persetujuan OJK melalui No. Kep-41/PB.1/2022 16, 2022 and obtained OJK approval through No. Kep-41/PB.1/2022
tanggal 16 Agustus 2022 tentang Hasil Penilaian Kemampuan dan dated August 16, 2022 concerning the Results of the Fit and Proper
Kepatutan Sdri. Rosmaya selaku Komisaris Independen PT Allo Bank Assessment of Ms. Rosmaya as Independent Commissioner of PT Allo
Indonesia Tbk. Bank Indonesia Tbk.
Riwayat Pendidikan Riwayat Pendidikan
• S2, Administrasi & Pengembangan SDM Universitas Indonesia • Master’s Degree, Administration & Human Resource Development,
(2004) University of Indonesia (2004)
• S1, Hukum Perdata Universitas Padjadjaran (1984) • Bachelor’s Degree, Civil Law, Padjadjaran University (1984)
Sertifikasi Sertifikasi
• Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP (2024) • Level 6 LSP LSPP Risk Management Certification (2024)
• Refreshment Sertifikasi Manajemen Risiko, Efektifpro, Jakarta • Refreshment Certification of Risk Management, Efektifpro, Jakarta
(2023) (2023)
• Sosialisasi Peraturan Otoritas Jasa Keuangan tentang Penerapan • Socialization of Financial Services Authority Regulations on the
Tata Kelola Bagi Bank Umum, OJK, Jakarta (2023) Implementation of Governance for Conventional Bank, OJK,
Jakarta (2023)
• Risk And Governance Summit (RGS) Tahun 2023 Sustainable • Risk And Governance Summit (RGS) 2023 Sustainable
Governance Digital Transformation As A Game Changer Ethical Governance Digital Transformation as A Game Changer Ethical
Culture As Value Keeper, OJK, Jakarta (2023) Culture as Value Keeper, OJK, Jakarta (2023)
• Women Transforming Leadership Programme yang diselenggarakan • Women Transforming Leadership Program organized by the
University of Oxford, Oxford - United Kingdom (2017) University of Oxford, Oxford – United Kingdom (2017)
• The Effective Use of Power yang diselenggarakan Stanford • The Effective Use of Power held by Stanford University, San
University, San Francisco - United States (2016) Francisco - United States (2016)
• Personal Development yang diselenggarakan Look School, • Personal Development held by Look School, Bandung - Indonesia
Bandung - Indonesia (2016) (2016)
• Program Refreshment Eksekutif yang diselenggarakan Bank • Executive Refreshment Program held by Bank Indonesia,
Indonesia, Palangkaraya - Indonesia (2016) Palangkaraya - Indonesia (2016)
• Makroprudensial yang diselenggarakan Bank Indonesia, Jakarta • Macroprudential held by Bank Indonesia, Jakarta – Indonesia
- Indonesia (2015) (2015)
• Professional Excellence yang diselenggarakan Bank Indonesia, • Professional Excellence held by Bank Indonesia, Bandung -
Bandung - Indonesia (2015) Indonesia (2015)
• Building Winning Talents Through Performance Dialogue yang • Building Winning Talents Through Performance Dialogue held by
diselenggarakan Experd Pengembangan Kinerja Eksekutif, Executive Performance Development Expert, Jakarta - Indonesia
Jakarta - Indonesia (2015) (2015)
• Leadership for Senior Managers: Special Edition for Women yang • Leadership for Senior Managers: Special Edition for Women held
diselenggarakan Management Centre Europe, London - Inggris (2012) by Management Center Europe, London – England (2012)
• Payment Systems and Market Infrastructures yang diselenggarakan • Payment Systems and Market Infrastructures organized by the
Institute - International Banking And Finance Institute, Paris - Institute - International Banking and Finance Institute, Paris -
France (2012) France (2012)
2024 Annual Report & Sustainability Report
71
Page 74
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
• Leading The Culture Change yang diselenggarakan ESQ • Leading The Culture Change held by ESQ Leadership, Jakarta -
Leadership, Jakarta - Indonesia (2012) Indonesia (2012)
• PPRA Lemhanas yang diselenggarakan Lembaga Pertahanan • PPRA Lemhanas organized by the National Defense Institute
Nasional (LEMHANNAS, Jakarta - Indonesia (2011) (LEMHANNAS, Jakarta – Indonesia (2011)
• Akt-Akuntansi Syariah yang diselenggarakan Lembaga Manajemen • Sharia Act-Accounting organized by the Faculty of Management
Fakultas Universitas Indonesia, Bandung - Indonesia (2011) Institute, University of Indonesia, Bandung - Indonesia (2011)
• Effective Communications For Strengthening Interpersonal • Effective Communications For Strengthening Interpersonal
Relationship And Teamwork yang diselenggarakan Ns Consulting Relationships And Teamwork held by Ns Consulting & Training,
& Training, Jakarta - Indonesia (2010) Jakarta - Indonesia (2010)
• Diskusi dan Pelatihan Tax Planning untuk Bidang Logistik Dan • Tax Planning Discussion and Training for the Logistics and
Pengadaan Bank Indonesia yang diselenggarakan Danny Procurement Sector of Bank Indonesia held by the Danny
Darussalam Tax Center, Jakarta - Indonesia (2010) Darussalam Tax Center, Jakarta - Indonesia (2010)
• Targeted Selection Interviewing Skills yang diselenggarakan Daya • Targeted Selection Interviewing Skills held by Daya Dimensi
Dimensi Indonesia, Jakarta - Indonesia (2009) Indonesia, Jakarta - Indonesia (2009)
• Management-Risk Management With Special Emphasis On Business • Management-Risk Management With Special Emphasis On
Continuity Planning In Central Banks yang diselenggarakan Business Continuity Planning In Central Banks held by Seacen
Seacen Centre, Seoul - Korea Selatan (2007) Center, Seoul - South Korea (2007)
• Payment System yang diselenggarakan Federal Reserve Bank Of • Payment System organized by the Federal Reserve Bank of New
New York, New York - USA (2007) York, New York - USA (2007)
• Team Building Program yang diselenggarakan Pelopor Adventure • Team Building Program organized by Pelopor Adventure Camp,
Camp, Bogor - Indonesia (2006) Bogor - Indonesia (2006)
• Sekolah Staf & Pimpinan Bank (Sekolah Kepemimpinan Tertinggi • Bank Staff & Leadership School (Bank Indonesia Highest
Bank Indonesia - SESPIBI) yang diselenggarakan LPPM, Jakarta - Leadership School - SESPIBI) held by LPPM, Jakarta - Indonesia
Indonesia (2006) (2006)
• Excellent Professional yang diselenggarakan Lembaga Pendidikan • Excellent Professional organized by the Duta Bangsa Education
Duta Bangsa, Jakarta - Indonesia (2004) Institute, Jakarta - Indonesia (2004)
• Management-IT Management For Non IT Executives yang • Management-IT Management for Non-IT Executives held by Bank
diselenggarakan Bank Indonesia, Bandung - Indonesia (2003) Indonesia, Bandung – Indonesia (2003)
• Pelatihan Perbankan Syariah yang diselenggarakan Tazkia • Sharia Banking Training held by Tazkia Institute, Jakarta -
Institute, Jakarta - Indonesia (2002) Indonesia (2002)
• Mastering Public Relations Skills yang diselenggarakan Experd • Mastering Public Relations Skills held by Experd (Executive
(Pengembangan Kinerja Eksekutif), Jakarta - Indonesia (2002) Performance Development), Jakarta - Indonesia (2002)
• Audit-Auditing For Internal Fraud yang diselenggarakan The • Audits for Internal Fraud held by The Financial Club, Jakarta -
Financial Club, Jakarta - Indonesia (1997) Indonesia (1997)
Riwayat Pekerjaan Employment History
• Komisaris Independen PT Allo Bank Indonesia Tbk (Juni 2022 - • Independent Commissioner of PT Allo Bank Indonesia Tbk (June
sekarang) 2022 - present)
• Deputi Gubernur Bank Indonesia (2017 - 2022) • Deputy Governor of Bank Indonesia (2017 - 2022)
• Anggota Dewan Pengawas Independen ASPI (2022 - 2025) • Member of the ASPI Independent Supervisory Board (2022 - 2025)
• Kepala Perwakilan Bank Indonesia (2014 - 2016) • Chief Representative of Bank Indonesia (2014 - 2016)
• Kepala Grup - Kepala Departemen (Stk. Direktur Eksekutif) Bank • Head of Group - Head of Department (Stk. Executive Director) of
Indonesia (2012 - 2014) Bank Indonesia (2012 - 2014)
• Narasumber Payment System International Bank Indonesia (2009 • Bank Indonesia International Payment System Resource Person
- 2014) (2009 - 2014)
• Deputi Direktur Bank Indonesia (2007 - 2011) • Deputy Director of Bank Indonesia (2007 - 2011)
• Staf - Kepala Bagian Bank Indonesia (1985 - 2006) • Staff - Head of Bank Indonesia (1985 - 2006)
Informasi Rangkap Jabatan Information on Concurrent Positions
Anggota Dewan Pengawas Independen ASPI (2022 - 2025) Member of the ASPI Independent Supervisory Board (2022 - 2025)
Hubungan Afiliasi Affiliate Relations
Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, She has no affiliation with members of the Board of Directors, other
anggota Dewan Komisaris lainnya, maupun dengan Pemegang members of the Board of Commissioners, or with the Controlling and
Saham Pengendali dan Utama. Majority Shareholders
Kepemilikan Saham Shareholding
Beliau tidak memiliki saham di PT Allo Bank Indonesia Tbk. She does not own shares in PT Allo Bank Indonesia Tbk.
72 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 75
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Ali
Gunawan
Komisaris
Commissioner
Periode Jabatan: Kedua 61 tahun WNI
Term of Office: Second 61 years old Indonesian
Domisili Domisili
Jakarta, DKI Jakarta, Indonesia Jakarta, DKI Jakarta, Indonesia
Dasar Hukum Pengangkatan Pertama Kali Dasar Hukum Pengangkatan Pertama Kali
Diangkat pertama kali sebagai Komisaris Allo Bank dalam Rapat Umum He was appointed for the first time as Commissioner of Allo Bank
Pemegang Saham (RUPS) Tahunan tahun buku 2021 tertanggal 7 Mei at the Annual General Meeting of Shareholders (GMS) for the 2021
2021 berdasarkan Akta Pernyataan Keputusan Rapat No. 23 tanggal fiscal year dated May 7, 2021 based on Deed of Minutes of Annual
7 Mei 2021 dan mendapatkan persetujuan Otoritas Jasa Keuangan General Meeting of Shareholders No. 23 dated May 7, 2021 and
(OJK) melalui Keputusan Deputi Komisioner Pengawas Perbankan I obtained approval from the Financial Services Authority (OJK)
Otoritas Jasa Keuangan No. KEP-49/PB.1/2021 tanggal 13 Juli 2021 through Decree of the Deputy Commissioner of Banking Supervision
tentang Hasil Penilaian Kemampuan dan Kepatutan Sdr. Ali selaku I of the Financial Services Authority No. KEP-49/PB.1/2021 dated July
Anggota Dewan Komisaris PT Allo Bank Indonesia Tbk. 13, 2021 concerning Results of the Fit and Proper Test of Mr. Ali as the
Commissioner of PT Allo Bank Indonesia Tbk.
Riwayat Pendidikan Riwayat Pendidikan
S1, Ekonomi Akuntansi Universitas Trisakti (1994) Bachelor’s degree, Economics, Accounting, Trisakti University (1994)
Sertifikasi Sertifikasi
• Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP (2024) • Level 6 LSP LSPP Risk Management Certification (2024)
• Refreshment Sertifikasi Manajemen Risiko, Efektifpro, Jakarta • Refreshment Certification of Risk Management, Efektifpro, Jakarta
(2023) (2023)
• Risk And Governance Summit (RGS) Tahun 2023 Sustainable • Risk And Governance Summit (RGS) 2023 Sustainable
Governance Digital Transformation As A Game Changer Ethical Governance Digital Transformation As A Game Changer Ethical
Culture As Value Keeper, OJK, Jakarta (2023) Culture As Value Keeper, OJK, Jakarta (2023)
• Certification in Audit Committee Practices yang diselenggarakan • Certification in Audit Committee Practices held by IKAI Indonesian
IKAI Indonesian Institute of Audit Committee, Jakarta (2020) Institute of Audit Committee, Jakarta (2020)
• Peranan GCG Dalam Sinergi Aerowisata Group: Bersama • The Role of GCG in Aerowisata Group Synergy: Together Facing
Menghadapi Era Disrupsi yang diselenggarakan Good Corporate the Era of Disruption held by Good Corporate Governance (GCG)
Governance (GCG) Aerowisata Group (2018) Aerowisata Group (2018)
• Various In-house Seminar/Training (banking, taxation, capital • Various In-house Seminar/Training (banking, taxation, capital
market dan lain-lain) yang diselenggarakan Arthur Andersen/Ernst markets and others) held by Arthur Andersen/Ernst & Young,
& Young, Jakarta (2004) Jakarta (2004)
• Ernst & Young Global Audit Methodology yang diselenggarakan • Ernst & Young Global Audit Methodology held by Ernst & Young,
Ernst & Young, Singapore (2002) Singapore (2002)
• Partner Leadership Program yang diselenggarakan Arthur • Partner Leadership Program held by Arthur Andersen, Los
Andersen, Los Angeles (2001) Angeles (2001)
• Assets and Liabilities Management for Banking yang • Assets and Liabilities Management for Banking held by Arthur
diselenggarakan Arthur Andersen, Manila (1999) Andersen, Manila (1999)
• Effective Presentation Skills yang diselenggarakan Arthur • Effective Presentation Skills held by Arthur Andersen, Jakarta
Andersen, Jakarta (1999) (1999)
• Fraud Audit Detection yang diselenggarakan Arthur Andersen, • Fraud Audit Detection held by Arthur Andersen, Manila (1997)
Manila (1997)
• Training for the Trainer yang diselenggarakan Arthur Andersen, • Training for the Trainer held by Arthur Andersen, Kuala Lumpur
Kuala Lumpur (1993) (1993)
• AA Manager Development Program yang diselenggarakan Arthur • AA Manager Development Program held by Arthur Andersen,
Andersen, Chicago (1994) Chicago (1994)
2024 Annual Report & Sustainability Report
73
Page 76
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
• Andersen Global Audit Methodology yang diselenggarakan Arthur • Andersen Global Audit Methodology held by Arthur Andersen,
Andersen, Chicago (1990) Chicago (1990)
• Financial Statement And Audit Risk Analysis yang diselenggarakan • Financial Statement And Audit Risk Analysis held by Arthur
Arthur Andersen, Manila (1989) Andersen, Manila (1989)
• Senior Development School yang diselenggarakan SGV, Manila • Senior Development School held by SGV, Manila (1988)
(1988)
Riwayat Pekerjaan Employment History
• Komisaris PT Allo Bank Indonesia Tbk (2021 - sekarang) • Commissioner of PT Allo Bank Indonesia Tbk (2021 - present)
• Komisaris Alfa Retailindo (2022 - sekarang) • Commissioner of Alfa Retailindo (2022 - present)
• Direktur PT CT Corpora (2021 - sekarang) • Director of PT CT Corpora (2021 - present)
• Direktur PT Mega Corpora (2004 - sekarang) • Director of PT Mega Corpora (2004 - present)
• Partner Kantor Akuntan Publik Prasetio, Sarwoko & Sandjaja (Ernst • Partner of Prasetio, Sarwoko & Sandjaja (Ernst & Young Indonesia)
& Young Indonesia) (1986 - 2004) Public Accounting Firm (1986 - 2004)
• Komisaris PARA Bali Propertindo (2005 - sekarang) • Commissioner of PARA Bali Propertindo (2005 - present)
• Komisaris Trans Media Corpora (2007 - sekarang) • Commissioner of Trans Media Corpora (2007 - present)
• Komisaris Trans Cibubur Property (2010 - sekarang) • Commissioner of Trans Cibubur Property (2010 - present)
• Komisaris Garuda Maintenance Facility (2018 - sekarang) • Commissioner of Garuda Maintenance Facility (2018 - present)
• Komisaris Utama Asuransi Umum Mega (2011 - 2024) • President Commissioner of Asuransi Umum Mega (2011 - 2024)
Informasi Rangkap Jabatan Information on Concurrent Positions
• Direktur Mega Corpora (2004 - Sekarang) • Director of Mega Corpora (2004 - Present)
• Direktur PT CT Corpora (2021 - Sekarang • Director of PT CT Corpora (2021 - Present)
• Komisaris Alfa Retailindo (2022 - Sekarang) • Commissioner of Alfa Retailindo (2022 - Present)
• Direktur Trans Kalla Makassar (2016 - Sekarang) • Director of Trans Kalla Makassar (2016 - Present)
• Komisaris Para Bali Propertindo (2005 - Sekarang) • Commissioner of Para Bali Propertindo (2005 - Present)
• Komisaris Trans Media Corpora (2007 - Sekarang) • Commissioner of Trans Media Corpora (2007 - Present)
• Komisaris Trans Cibubur Property (2010 - Sekarang) • Commissioner of Trans Cibubur Property (2010 - Present)
• Komisaris Garuda Maintenance Facility (2018 - Sekarang) • Commissioner of Garuda Maintenance Facility (2018 - Present)
• Komisaris Mega Asset Management (2024 - Sekarang) • Commissioner of Mega Asset Management (2024 – Present)
Hubungan Afiliasi Affiliate Relations
Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, He has no affiliation with members of the Board of Directors, other
anggota Dewan Komisaris lainnya, maupun dengan Pemegang members of the Board of Commissioners, or with the Controlling and
Saham Pengendali dan Utama. Majority Shareholders.
Kepemilikan Saham Shareholding
Beliau memiliki 9.868.300 lembar saham PT Allo Bank Indonesia He owns 9,868,300 shares in PT Allo Bank Indonesia Tbk as of
Tbk per 31 Desember 2024. December 31, 2024.
74 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 77
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Profil
Direksi Board of Directors Profiles
Indra Utoyo
Direktur Utama
President Director
Periode Jabatan: Kedua 62 tahun WNI
Term of Office: Second 62 years old Indonesian
Domisili Domisili
Jakarta, DKI Jakarta, Indonesia Jakarta, DKI Jakarta, Indonesia
Dasar Hukum Pengangkatan Pertama Kali Dasar Hukum Pengangkatan Pertama Kali
Diangkat pertama kali sebagai Direktur Utama Allo Bank dalam He was appointed for the first time as President Director of Allo Bank
Rapat Umum Pemegang Saham (RUPS) Tahunan tahun buku 2022 at the Annual General Meeting of Shareholders (GMS) for the 2022
tertanggal 19 Mei 2022 berdasarkan Akta Berita Acara Rapat Umum fiscal year on May 19, 2022 that was based on Deed of Minutes of
Pemegang Saham Tahunan No. 107 tertanggal 16 Juni 2022 dan Annual General Meeting of Shareholders No. 107 dated June 16, 2022
mendapatkan persetujuan OJK melalui Keputusan Deputi Komisioner and obtained OJK approval through Decree of Deputy Commissioner
Pengawas Perbankan I OJK No. Kep-23/PB.1/2022 tanggal 9 Juni for Banking Supervision I OJK No. Kep-23/PB.1/2022 dated June 9,
2022 tentang Hasil Penilaian Kemampuan dan Kepatutan Sdr. Indra 2022 concerning Results of the Fit and Proper Test of Mr. Indra Utoyo
Utoyo selaku Calon Direktur Utama PT Allo Bank Indonesia Tbk. as Candidate for President Director of PT Allo Bank Indonesia Tbk.
Riwayat Pendidikan Riwayat Pendidikan
• S3, Ekonomi dan Bisnis Manajemen Stratejik Universitas Indonesia • Doctorate Degree, Economics and Strategic BusinessManagement,
(2019) University of Indonesia (2019)
• S2, Communication and Signal Processing Imperial College - • Master’s Degree, Communication and Signal Processing Imperial
London UK (1994) College-London UK (1994)
• S1, Teknik Elektro Telekomunikasi Institut Teknologi Bandung • Bachelor’s Degree, Electrical Telecommunications Engineering,
(1985) Bandung Institute of Technology (1985)
Sertifikasi Sertifikasi
• Sertifikasi Manajemen Risiko Jenjang 7 LSP LSPP (2024) • Level 7 LSP LSPP Risk Management Certification (2024)
• Economics of Money & Banking yang diselenggarakan oleh • Economics of Money & Banking held by Columbia University,
Columbia University, Coursera (online) (2023) Coursera (online) (2023)
• Pengujian Business Continuity Management Atau Crisis • Testing Business Continuity Management or Crisis Management
Management Plan Melalui Table Top Exercise yang diselenggarakan Plan through Table Top Exercise held by BCM Exercise Observation
oleh Konsultan Observasi BCM Exercise Haldi Z, Jakarta (2023) Consultant Haldi Z, Jakarta (2023)
• Sharing Knowledge Sustainability yang diselenggarakan oleh • Sustainability Knowledge Sharing held by PERBANAS, Jakarta
PERBANAS, Jakarta (2023) (2023)
• International Talks 2023 Leveraging Digital Central Banking • International Talks 2023 Leveraging Digital Central Banking
Services For Economic Recovery yang diselenggarakan oleh Bank Services for Economic Recovery held by Bank Indonesia, Jakarta
Indonesia, Jakarta (2023) (2023)
• Refreshment Sertifikasi Manajemen Risiko - BSMR yang • Refreshment of Risk Management Certification - BSMR held by
diselenggarakan Efektifpro, Jakarta (2023) Efektifpro, Jakarta (2023)
2024 Annual Report & Sustainability Report
75
Page 78
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
• Forum Koordinasi Perizinan & Layanan Kebanksentralan Central • Central Banking Licensing & Services Coordination Forum Central
Banking Services Festival (CBFest) 2023 yang diselenggarakan Banking Services Festival (CBFest) 2023 held by Bank Indonesia,
Bank Indonesia, Jakarta (2023) Jakarta (2023)
• Undang - Undang Perlindungan Data Pribadi dan Implementasinya • Personal Data Protection Law and its Implementation at PT Allo
di PT Allo Bank Indonesia Tbk yang diselenggarakan Kementerian Bank Indonesia Tbk held by the Ministry of Communication and
Komunikasi Informatika Republik Indonesia, Jakarta (2023) Information of the Republic of Indonesia, Jakarta (2023)
• Rapat Koordinasi Tahun 2023 yang diselenggarakan PPATK, • 2023 Coordination Meeting held by PPATK, Jakarta (2023)
Jakarta (2023)
• Bara Risk Forum Digitalization Of Risk Management yang • Bara Risk Forum Digitalization of Risk Management held by BARA,
diselenggarakan BARA, Jakarta (2022) Jakarta (2022)
• Technical Operation Risk Socialization To Responsible Person • Technical Operation Risk Socialization to Responsible Person held
yang diselenggarakan Enterprise Operation Market Risk Division, by Enterprise Operation Market Risk Division, Jakarta (2022)
Jakarta (2022)
• Venture Capital yang diselenggarakan The Wharton School, • Verture Capital, held by The Wharton School, University of
University of Pennsylvania, Philadelphia - USA (2021) Pennsylvania, Philadelphia-USA (2021)
• Financial Markets yang diselenggarakan Università Commerciale • Financial Markets, held by Università Commerciale Luigi Bocconi-
Luigi Bocconi - Coursera, Online (2021) Coursera, Online (2021)
• Private Equity & Venture Capital Financial Markets yang • Private Equity & Venture Capital Financial Markets, held by Yale
diselenggarakan Yale University - Coursera, Online (2021) University-Coursera, Online (2021)
• Post Graduate Diploma in Digital Business yang diselenggarakan • Post Graduate Diploma in Digital Business, held by the Emeritus
Emeritus Institute of Management, Online (2020) Institute of Management, Online (2020)
• Program Pemeliharaan Sertifikasi Manajemen Risiko (SMR) Level 5 • Level 5 Risk Management Certification (SMR) Maintenance
yang diselenggarakan BSMR (Badan Sertifikasi Manajemen Risiko) Program, held by BSMR (Risk Management Certification Agency)
berlaku s.d. Nov 2022, Online (2020) valid until November 2022, Online (2020)
• Fintech-Innovative Banking yang diselenggarakan Imperial • Fintech-Innovative Banking, held by Imperial College, London
College, London (2017) (2017)
• China Internet Finance Academy yang diselenggarakan McKinsey, • China Internet Finance Academy, held by McKinsey, Shanghai
Shanghai (2017) (2017)
• Leading with Big Data Analysis 2016 yang diselenggarakan NUS, • Leading with Big Data Analysis 2016, held by NUS, Singapore
Singapore (2016) (2016)
• M&As and Corporate Strategy yang diselenggarakan INSEAD, • M&As and Corporate Strategy, held by INSEAD, France (2014)
France (2014)
• Strategies for Creating Shareholder Value yang diselenggarakan • Strategies for Creating Shareholder Value, held by Kellogg,
Kellogg, Northwestern, Evanston - USA (2013) Northwestern, Evanston-USA (2013)
• Leading Product Innovation yang diselenggarakan Harvard • Leading Product Innovation, held by Harvard Business School,
Business School, Boston - USA (2011) Boston-USA (2011)
• Telco 2.0 Executive Brainstorming yang diselenggarakan Telco 2.0, • Telco 2.0 Executive Brainstorming, held by Telco 2.0, London
London (2009) (2009)
• Marketing in Turbulent Times yang diselenggarakan Markplus & • Marketing in Turbulent Times, held by Markplus & Kellogg, Jakarta
Kellogg, Jakarta (2009) (2009)
• Finance for Executive and Non-Finance Manager yang • Finance for Executive and Non-Finance Manager, held by Kellogg,
diselenggarakan Kellogg, Northwestern, Evanston - USA (2008) Northwestern, Evanston-USA 2008)
• Strategic Decision Making, Center for Management Research yang • Strategic Decision Making, Center for Management Research,
diselenggarakan Harvard University, USA (2006) held by Harvard University, USA (2006)
• Managing IT Project diselenggarakan Marcus Evans, Jakarta • Managing IT Project, held by Marcus Evans, Jakarta (2005)
(2005)
76 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 79
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Riwayat Pekerjaan Employment History
• Presiden Direktur PT Allo Bank Indonesia Tbk (Mei 2022 - • President Director of PT Allo Bank Indonesia Tbk (May 2022 -
sekarang) present)
• Direktur Digital dan Teknologi Informasi PT Bank Rakyat Indonesia • Director of Digital and Information Technology PT Bank Rakyat
(Persero) Tbk (Maret 2017 - Maret 2022) Indonesia Tbk (March 2017 – March 2022)
• Direktur Digital & Strategic Portfolio Telkom Group PT • Director of Digital & Strategic Portfolio Telkom Group PT
Telekomunikasi Indonesia, Tbk (Agustus 2016 - Maret 2017) Telekomunikasi Indonesia, Tbk (August 2016 - March 2017)
• Komisaris Utama PT Metra Digital Innovation (MDI Venture) • President Commissioner of PT Metra Digital Innovation (MDI
(Agustus 2016 - Maret 2017) Venture) (August 2016 - March 2017)
• Plt. Direktur Utama PT Telekomunikasi Indonesia, Tbk (Oktober • Acting President Director of PT Telekomunikasi Indonesia, Tbk
2014 - Desember 2014) (October 2014 - December 2014)
• Komisaris Utama PT Telkomsel (Oktober 2014 - Desember 2014) • President Commissioner of PT Telkomsel (October 2014 –
December 2014)
• Direktur Innovation & Strategic Portfolio PT Telekomunikasi • Director of Innovation & Strategic Portfolio at PT Telekomunikasi
Indonesia, Tbk (Maret 2012 - Juli 2016) Indonesia, Tbk (March 2012 – July 2016)
• Direktur IT Solution & Supply PT Telekomunikasi Indonesia, Tbk • Director of IT Solution & Supply at PT Telekomunikasi Indonesia,
(Maret 2007 - Februari 2012) Tbk (March 2007 - February 2012)
• Komisaris Utama PT Multimedia Nusantara (Telkom Metra) (Juli • President Commissioner of PT Multimedia Nusantara (Telkom
2009 - Agustus 2016) Metra) (July 2009 - August 2016)
• Komisaris Utama PT Telkom International Indonesia (Telin) (Mei • President Commissioner of PT Telkom International Indonesia
2007 - April 2008) (May 2007 - April 2008)
• Senior General Manager ISC PT Telekomunikasi Indonesia, Tbk • Senior General Manager at ISC PT Telekomunikasi Indonesia, Tbk
(Februari 2005 - Februari 2007) (February 2005 - February 2007)
• Deputy EGM, Divisi Multimedia PT Telekomunikasi Indonesia, Tbk • Deputy EGM, Multimedia Division of PT Telekomunikasi Indonesia,
(April 2004 - Januari 2005) Tbk (April 2004 - January 2005)
Informasi Rangkap Jabatan Information on Concurrent Positions
Beliau tidak memiliki rangkap jabatan He has no concurrent position
Hubungan Afiliasi Affiliate Relations
Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, He has no affiliation with members of the Board of Directors, other
anggota Dewan Komisaris lainnya, maupun dengan Pemegang members of the Board of Commissioners, or with the Controlling and
Saham Pengendali dan Utama. Majority Shareholders.
Kepemilikan Saham Shareholding
Beliau memiliki 500.000 lembar saham PT Allo Bank Indonesia Tbk He owns 500,000 shares in PT Allo Bank Indonesia Tbk as of
per 31 Desember 2024. December 31, 2024.
2024 Annual Report & Sustainability Report
77
Page 80
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Ari Yanuanto
Asah
Direktur Keuangan, Operasi
dan Human Capital
Finance, Operations and Human Capital Director
Periode Jabatan: Kedua 55 tahun WNI
Term of Office: Second 55 years old Indonesian
Domisili Domisili
Jakarta, DKI Jakarta, Indonesia Jakarta, DKI Jakarta, Indonesia
Dasar Hukum Pengangkatan Pertama Kali Dasar Hukum Pengangkatan Pertama Kali
Diangkat pertama kali sebagai Direktur Bank dalam Rapat Umum Appointed for the first time as Finance and Operations Director of Allo
Pemegang Saham (RUPS) Luar Biasa tertanggal 29 Januari 2021 Bank at the Extraordinary General Meeting of Shareholders (EGMS)
berdasarkan Akta Pernyataan Keputusan Rapat No. 05 tanggal 22 dated January 29, 201 based on Deed of Minutes of Annual General
Februari 2021 dan mendapatkan persetujuan Otoritas Jasa Keuangan Meeting of Shareholders No. 05 dated February 22, 2021 and has
(OJK) melalui Keputusan Deputi Komisioner Pengawas Perbankan I obtained approval from the Financial Services Authority (OJK) through
Otoritas Jasa Keuangan No. KEP-24/PB.1/2021 tanggal 6 April 2021 Decree of the Deputy Commissioner of Banking Supervision I of the
tentang Hasil Penilaian Kemampuan dan Kepatutan Sdr. Ari Yanuanto Financial Services Authority No. KEP-24/PB.1/2021 dated April 6, 2021
Asah selaku Direktur Operasional dan IT PT Allo Bank Indonesia Tbk. concerning the results of the Fit and Proper Test of Mr. Ari Yanuanto
Asah as the Director of Operation and IT of PT Allo Bank Indonesia Tbk.
Riwayat Pendidikan Riwayat Pendidikan
• S2, Manajemen Sistem Informasi Universitas Bina Nusantara • Master’s Degree, Information System Management, Bina
(2018) Nusantara University (2018)
• S1 Sarjana Ekonomi, Sekolah Tinggi Ilmu Ekonomi Bhakti • Bachelor’s Degree, Economics, Bhakti Development College of
Pembangunan - Jakarta (1996) Economics - Jakarta (1996)
Sertifikasi Sertifikasi
• Sertifikasi Manajemen Risiko Jenjang 7 LSP LSPP (2024) • Level 7 LSP LSPP Risk Management Certification (2024)
• Pengujian Business Continuity Management Atau Crisis • Testing Business Continuity Management or Crisis Management
Management Plan Melalui Table Top Exercise yang diselenggarakan Plan through Table Top Exercise held by BCM Exercise Observation
oleh Konsultan Observasi BCM Exercise Haldi Z, Jakarta (2023) Consultant Haldi Z, Jakarta (2023)
• Pelaksanaan Program Kegiatan Tahun Anggaran 2023 Direktorat • Implementation of the 2023 Fiscal Year Activity Program of the
Data Kependudukan Nasional yang diselenggarakan oleh Dirjen National Population Data Directorate held by the Director General
Dukcapil, Jakarta (2023) of Dukcapil, Jakarta (2023)
• Refreshment Sertifikasi Manajemen Risiko - BSMR yang • Refreshment of Risk Management Certification - BSMR held by
diselenggarakan Efektifpro, Jakarta (2023) Efektifpro, Jakarta (2023)
• Uji Sertifikasi Manajemen Risiko Perbankan Level 5 yang • Level 5 Banking Risk Management Certification Test held by LSPP,
diselenggarakan oleh LSPP, Jakarta (2022) Jakarta (2022)
• Two Days Training for Risk Management Level 5 Certification yang • Two Days Training for Risk Management Level 5 Certification
diselenggarakan oleh PT Efektifpro Knowledge Source, Jakarta (2022) organized by PT Efektifpro Knowledge Source, Jakarta (2022)
• Two Days Training for Risk Management Level 5 Certification yang • Two Days Training for Risk Management Level 5 Certification, held
diselenggarakan PT Efektifpro Knowledge Source, Jakarta (2021) by PT Effectivepro Knowledge Source, Jakarta (2021)
• Sertifikasi Treasury Dealer level Advance oleh LSPP, Jakarta (2021) • Advance level Treasury Dealer Certification, by LSPP, Jakarta (2021)
• Two Days Training for Treasury Advanced Level Certification yang • Two Days Training for Treasury Advance Level Certification, held
diselenggarakan PT Efektifpro Knowledge Source, Jakarta (2021) by PT Effectivepro Knowledge Source, Jakarta (2021)
• Pelatihan implementasi program APU PPT berbasis Digital • Training on the implementation of the Digital Banking-based AML
Banking yang diselenggarakan Equivalent, Jakarta (2021) CTF program, held by Equivalent, Jakarta (2021)
• Program Pemeliharaan pada bidang Manajemen Risiko Perbankan • Maintenance Program in Banking Risk Management (level 4), held
(level 4) yang diselenggarakan Equivalent, Jakarta (2021) by Equivalent, Jakarta (2021)
• Webinar: Transformation of Banking Operations in Digital • Webinar: Transformation of Banking Operations in the Digital Era:
Era: “Resilience and Sustainability Beyond New Normal” yang “Resilience and Sustainability Beyond New Normal”, held by Bank
diselenggarakan Bank Indonesia, Jakarta (2020) Indonesia, Jakarta (2020)
• Seminar Nasional Kolaborasi Industri Perbankan dan Fintech • National Seminar on Banking and Fintech Industry Collaboration
dalam Sistem Pembayaran yang diselenggarakan Infobank, in Payment Systems, held by Infobank, Jakarta (2019)
Jakarta (2019)
78 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 81
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
• Program Pemeliharaan pada bidang Manajemen Risiko Perbankan • Maintenance Program in the field of Banking Risk Management
(Operational Risk Management and Anti Fraud Strategy) yang (Operational Risk Management and Anti-Fraud Strategy), held by
diselenggarakan Duta Bangsa, Jakarta (2019) Duta Bangsa, Jakarta (2019)
• Seminar Digital Disruption: Banking For The Future yang • Digital Disruption Seminar: Banking For The Future, held by the
diselenggarakan Otoritas Jasa Keuangan, Jakarta (2019) Financial Services Authority, Jakarta (2019)
• Implementasi Aksi Keuangan Berkelanjutan oleh Duta Bangsa, • Implementation of the Sustainable Finance Action, by Duta
Jakarta (2019) Bangsa, Jakarta (2019)
• AML Forum oleh PT Bank Mega Tbk, Jakarta (2018) • Anti Money Laundering Forum, by PT Bank Mega Tbk, Jakarta (2018)
• Program Pemeliharaan Manajemen Risiko Perbankan, International • Banking Risk Management Maintenance Program, International
Trade Knowledge and Risk oleh PT Raharja Duta Solusindo, Trade Knowledge and Risk, by PT Raharja Duta Solusindo, Jakarta
Jakarta (2017) (2017)
• Bimbingan Teknis Penyusunan Standar Kompetensi Kerja Nasional • Technical Guidance on the Preparation of Indonesian National
Indonesia oleh BI-KEMNAKER, Jakarta (2017) Competency Standards by BI KEMNAKER, Jakarta (2017)
• Refreshment program Manajemen Risiko Perbankan yang • Refreshment of Banking Risk Management program organized by
diselenggarakan LSPP, Jakarta (2015) LSPP, Jakarta (2015)
• Working Group pengembangan sistem BI - RTGS, BI - SSSS dan BI • Working Group on BI - RTGS, BI - SSSS and BI - ETP Gen II system
- ETP Gen II yang diselenggarakan Bank Indonesia, Jakarta (2015) development organized by Bank Indonesia, Jakarta (2015)
• Pelatihan “Assessment Center Assessor Certification” PT Bank • Training on “Assessment Center Assessor Certification” of PT
Mega, Tbk yang diselenggarakan PPM, Jakarta (2014) Bank Mega, Tbk organized by PPM, Jakarta (2014)
• Manajemen Risiko Perbankan Level 4 yang diselenggarakan • Banking Risk Management Level 4 organized by National
Badan Nasional Sertifikasi Profesi, Jakarta (2013) Professional Certification Agency, Jakarta (2013)
• Business Writing Program - Pre Intermediate yang diselenggarakan • Business Writing Program - Pre Intermediate organized by
Interlingua, Jakarta (2011) Interlingua, Jakarta (2011)
• Sertifikasi Manajemen Risiko Tingkat II (Dua) yang diselenggarakan • Risk Management Certification Level II (Two) organized by Risk
Badan Sertifikasi Manajemen Risiko (BSMR) - GRAPP, Jakarta (2010) Management Certification Board (BSMR) - GRAPP, Jakarta (2010)
• Partisipasi dalam Working Group Pengembangan Mekanisme • Participation in Working Group Development of USD/IDR PVP
Settlement USD/IDR PVP pada Sistem BI - RTGS yang Settlement Mechanism on BI – RTGS System organized by Bank
diselenggarakan Bank Indonesia, Jakarta (2010) Indonesia, Jakarta (2010)
Riwayat Pekerjaan Employment History
• Direktur Keuangan, Operasi & Human Capital PT Allo Bank • Finance, Operations & Human Capital Director PT Allo Bank
Indonesia, Tbk (Agustus 2023 - sekarang) Indonesia, Tbk (August 2023 - present)
• Direktur Keuangan dan Operasi PT Allo Bank Indonesia Tbk • Finance and Operations Director PT Allo Bank Indonesia, Tbk
(Agustus 2022 - Juli 2023) (August 2022 - July 2023)
• Plt. Direktur Utama PT Allo Bank Indonesia, Tbk (24 Mei 2021 - Juli • Acting President Director of PT Allo Bank Indonesia, Tbk (May 24,
2022) 2021 - July 2022)
• Direktur Operasional & IT PT Allo Bank Indonesia, Tbk (Januari • Operational & IT Director of PT Allo Bank Indonesia, Tbk (January
2021 - 23 Mei 2021) 2021 - May 23, 2021)
• (Senior Vice President) Kepala Divisi Transformation Project • (Senior Vice President) Division Head, Transformation Project Head
(Pejabat Eksekutif) PT Bank Mega Tbk (Mei 2018 - Januari 2021) (Executive Officer) of PT Bank Mega Tbk (May 2018 - January 2021)
• (Vice President) Process & System Development Head (Pejabat • (Vice President) Process & System Development Head (Executive
Eksekutif) PT Bank Mega Tbk (Kantor Pusat) (April 2014 - Mei 2018) Officer) of PT Bank Mega Tbk (Head Office) (April 2014 - May 2018)
• (Vice President) Process Management Head (Pejabat Eksekutif) PT • (Vice President) Process Management Head (Executive Officer) of
Bank Mega Tbk (Kantor Pusat) (Mei 2013 - Maret 2014) PT Bank Mega Tbk (Head Office) (May 2013 - March 2014)
• (Vice President) Process Improvement Head PT Bank Mega Tbk • (Vice President) Process Improvement Head of PT Bank Mega Tbk
(Oktober 2012 - Mei 2013) (October 2012 - May 2013)
• (Vice President) Pinbag Credit - Trade - Treasury Process • (Vice President) Pinbag Credit - Trade - Treasury Process
Development PT Bank Mega Tbk (Januari 2011 - September 2012) Development of PT Bank Mega Tbk (January 2011 - September 2012)
• (Vice President) Head, Projects System Development PT Bank • (Vice President) Head, Projects System Development of PT Bank
Permata Tbk (November 2009 - Januari 2011) Permata Tbk (November 2009 - January 2011)
• AVP (Process Management & System Dev Head - Global Market • AVP (Process Management & System Dev Head – Global Market
Operations) PT Bank Permata Tbk (Maret 2008 - Oktober 2009) Operations) of PT Bank Permata Tbk (March 2008 - October 2009)
• AVP Treasury, Trade and Service Process Management Dept. Head • AVP - Treasury, Trade and Service Process Management Dept
PT Bank Permata Tbk (Mei 2006 - Februari 2008) Head of PT Bank Permata Tbk (May 2006 - February 2008)
Informasi Rangkap Jabatan Information on Concurrent Positions
Beliau tidak memiliki rangkap jabatan He has no concurrent position
Hubungan Afiliasi Affiliate Relations
Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, He has no affiliation with members of the Board of Directors, other
anggota Dewan Komisaris lainnya, maupun dengan Pemegang members of the Board of Commissioners, or with the Controlling and
Saham Pengendali dan Utama. Majority Shareholders.
Kepemilikan Saham Shareholding
Beliau tidak memiliki saham di PT Allo Bank Indonesia Tbk. He does not own shares in PT Allo Bank Indonesia Tbk.
2024 Annual Report & Sustainability Report
79
Page 82
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Arief
Tendeas
Direktur Bisnis
Business Director
Periode Jabatan: Kedua 50 tahun WNI
Term of Office: Second 50 years old Indonesian
Domisili Domisili
Bogor, Jawa Barat, Indonesia Bogor, West Java, Indonesia
Dasar Hukum Pengangkatan Pertama Kali Dasar Hukum Pengangkatan Pertama Kali
Diangkat pertama kali sebagai Direktur Allo Bank dalam Rapat Appointed for the first time as Director of Allo Bank at the Extraordinary
Umum Pemegang Saham (RUPS) Luar Biasa tanggal 29 Januari 2021 General Meeting of Shareholders (EGMS) was dated January 29,
berdasarkan Akta Pernyataan Keputusan Rapat No. 05 tanggal 22 2021 based on the Deed of Minutes of Annual General Meeting of
Februari 2021 dan mendapatkan persetujuan Otoritas Jasa Keuangan Shareholders No. 05 dated February 22, 2021 and has obtained
(OJK) melalui Keputusan Deputi Komisioner Pengawas Perbankan I approval from the Financial Services Authority (OJK) through Decree
Otoritas Jasa Keuangan No. KEP-25/PB.1/2021 tanggal 6 April 2021 of the Deputy Commissioner of Banking Supervision I of the Financial
tentang Hasil Penilaian Kemampuan dan Kepatutan Sdr. Arief Tendeas Services Authority No. KEP-25/PB.1/2021 dated April 6, 2021 concerning
selaku Direktur Bisnis PT Allo Bank Indonesia Tbk. Results of the Fit and Proper Test of Mr. Arief Tendeas as the Business
Director of PT Allo Bank Indonesia Tbk.
Riwayat Pendidikan Riwayat Pendidikan
• S2, Sistem Informasi Universitas Bina Nusantara (2002) • Master’s Degree, Information Systems, Bina Nusantara University
(2002)
• S1, Teknik Informatika STMIK Bina Nusantara (1997) • Bachelor’s Degree, Information Technology, STMIK Bina Nusantara
(1997)
Sertifikasi Sertifikasi
• Sertifikasi Manajemen Risiko Jenjang 7 LSP LSPP (2024) • Level 7 LSP LSPP Risk Management Certification (2024)
• Webinar AKUBISA Akses Keuangan UMKM Melalui Business • AKUBISA Webinar Financial Access for MSMEs Through Business
Matching Dan Literasi untuk Peningkatan Daya Saing yang Matching and Literacy to Increase Competitiveness held by Bank
diadakan oleh Bank Indonesia, Jakarta (2023) Indonesia, Jakarta (2023)
• Pengujian Business Continuity Management Atau Crisis • Testing Business Continuity Management or Crisis Management
Management Plan Melalui Table Top Exercise yang diselenggarakan Plan through Table Top Exercise organized by BCM Exercise
oleh Konsultan Observasi BCM Exercise Haldi Z, Jakarta (2023) Observation Consultant Haldi Z, Jakarta (2023)
• Diskusi Perumusan Anggaran Dasar Asosiasi Pasar Uang Dan • Discussion on the Formulation of the Articles of Association of
Pasar Valuta Asing Indonesia (APUVINDO) yang diselenggarakan the Indonesian Money Market and Foreign Exchange Market
oleh Bank Indonesia, Jakarta (2023) Association (APUVINDO) held by Bank Indonesia, Jakarta (2023)
• Forum Diskusi Makroprudensial Arah Kredit Perbankan 2023 Di • Macroprudential Discussion Forum on Banking Credit Direction
Tengah Tantangan Domestik Dan Global yang diselenggarakan 2023 Amid Domestic and Global Challenges organized by Bank
oleh Bank Indonesia, Jakarta (2023) Indonesia, Jakarta (2023)
• Refreshment Sertifikasi Manajemen Risiko - BSMR yang • Refreshment of Risk Management Certification - BSMR held by
diselenggarakan Efektifpro, Jakarta (2023) Efektifpro, Jakarta (2023)
• Launching Dan Sosialisasi Market Code Of Conduct (Brown Book) • Launching and Socialization of the 4th Edition of the Market Code of
Edisi 4 yang diselenggarakan oleh Bank Indonesia, Jakarta (2023) Conduct (Brown Book) organized by Bank Indonesia, Jakarta (2023)
• Seminar Nasional Pembiayaan UMKM Melalui Multichannel yang • National Seminar on MSME Financing Through Multichannel
diselenggarakan oleh Bank Indonesia, Jakarta (2023) organized by Bank Indonesia, Jakarta (2023)
• Uji Sertifikasi Manajemen Risiko Level 5 LSPP yang diselenggarakan • LSPP Level 5 Risk Management Certification Test held by LSPP,
oleh LSPP, Jakarta (2022) Jakarta (2022)
• Pembekalan Sertifikasi Manajemen Risiko Level V yang diselenggarakan • LSPP Level 5 Risk Management Certification Test held by LSPP,
oleh PT Efektifpro Knowledge Source, Jakarta (2022) Jakarta (2022)
• Uji Kompetensi Treasury Level Advance yang diselenggarakan oleh • Providing Level V Risk Management Certification organized by PT
LSPP, Jakarta (2022) Efektifpro Knowledge Source, Jakarta (2022)
• Pembekalan Sertifikasi Treasury Dealer Level Advance yang • Advanced Level Treasury Competency Test held by LSPP, Jakarta
diselenggarakan PT Efektifpro Knowledge Source, Jakarta (2022) (2022)
• Pembekalan Sertifikasi Treasury Level Basic, yang diselenggarakan • Provision of Advance Level Treasury Dealer Certification held by
PT Efektifpro Knowledge Source, Jakarta (2022) PT Efektifpro Knowledge Source, Jakarta (2022)
80 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 83
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
• Pelatihan implementasi program APU PPT berbasis Digital Banking • Training on the implementation of the AML/CFT program based
yang diselenggarakan oleh Equivalent, Jakarta (2021) on Digital Banking organized by Equivalent, Jakarta (2021)
• Program Pemeliharaan pada bidang Manajemen Risiko Perbankan • Maintenance Program in the field of Banking Risk Management
(level 4) yang diselenggarakan oleh Equivalent, Jakarta (2021) (level 4) organized by Equivalent, Jakarta (2021)
• Implementasi Aksi Keuangan Berkelanjutan yang diselenggarakan • Implementation of the Sustainable Finance Action, held by Duta
Duta Bangsa, Online, Jakarta (2020) Bangsa, Online, Jakarta (2020)
• Refreshment Manajemen Risiko Perbankan Level 4: Anti Fraud • Review of Banking Risk Management Level 4: Anti-Fraud, held by
yang diselenggarakan RDS Consultant, Jakarta (2020) RDS Consultant, Jakarta (2020)
• Seminar Nasional Kolaborasi Industri Perbankan dan Fintech dalam • National Seminar on Banking Industry Collaboration and Fintech
Sistem Pembayaran yang diselenggarakan Infobank, Jakarta (2019) in Payment Systems, held by Infobank, Jakarta (2019)
• Seminar Digital Disruption: Banking for the Future yang • Digital Disruption Seminar: Banking for the Future, held by the
diselenggarakan OJK Institute, Jakarta (2019) OJK Institute, Jakarta (2019)
• Data Scientist with R Track yang diselenggarakan Datacamp, Online (2018) • Data Scientist with R Track, held by Datacamp, Online (2018)
• Merchant Acquiring Workshop yang diselenggarakan Asosiasi • Merchant Acquiring Workshop, held by the Indonesian Credit
Kartu Kredit Indonesia & Transcarta, Jakarta (2017) Card Association & Transcarta, Jakarta (2017)
• Data Analyst with R Track yang diselenggarakan Datacamp, Online (2017) • Data Analyst with R Track, held by Datacamp, Online (2017)
• Credit Risk Modeling in R yang diselenggarakan Datacamp, Online (2017) • Credit Risk Modeling in R, held by Datacamp, Online (2017)
• Anti Money Laundering Forum yang diselenggarakan Bank Mega, • Anti Money Laundering Forum, held by Bank Mega, Jakarta (2016)
Jakarta (2016)
• Merchant Acquiring Risk Management Training (Level 1) yang • Merchant Acquiring Risk Management Training (Level 1), held by
diselenggarakan Epic Solusi Indonesia, Jakarta (2015) Epic Solusi Indonesia, Jakarta (2015)
• Introduction to NSICCS 101 yang diselenggarakan Infobank, Bali (2012) • Introduction to NSICCS 101, held by Infobank, Bali (2012)
• Refreshment Manajemen Risiko Perbankan Level 4: Digital Banking Risk • Review of Banking Risk Management Level 4: Digital Banking Risk
Management yang diselenggarakan RDS Consultant, Jakarta (2018) Management, held by RDS Consultant, Jakarta (2018)
• Refreshment Manajemen Risiko Perbankan Level 4: Bank • Review of Banking Risk Management Level 4: Sharia Bank Risk
Syariah Risk Management and Risk Transfer Management yang Management and Risk Transfer Management, held by RDS
diselenggarakan RDS Consultant, Jakarta (2016) Consultant, Jakarta (2016)
• Sertifikasi Kompetensi Manajemen Risiko Perbankan Level 4 yang • Level 4 Banking Risk Management Competency Certification,
diselenggarakan LSPP, Jakarta (2015) held by LSPP, Jakarta (2015)
• Sertifikasi Manajemen Risiko Tingkat 2 yang diselenggarakan • Level 2 Risk Management Certification, held by BSMR, Jakarta
BSMR, Jakarta (2007) (2007)
• Sertifikasi Manajemen Risiko Tingkat 1 yang diselenggarakan • Level 1 Risk Management Certification, held by BSMR, Jakarta
BSMR, Jakarta (2006) (2006)
Riwayat Pekerjaan Employment History
• Direktur Bisnis PT Allo Bank Indonesia Tbk (Kantor Pusat) (Februari • Business Director of PT Allo Bank Indonesia Tbk (Head Office)
2021 - sekarang) (February 2021 - present)
• Kadiv Digital Business (Pejabat Eksekutif) PT Bank Mega, Tbk • Division Head Digital Business (Executive Officer) at PT Bank
Kantor Pusat (April 2018 - Januari 2021) Mega, Tbk - Head Office (April 2018 - January 2021)
• Komisaris PT Debeka Putra Mandiri (persh. Keluarga) (November • Commissioners PT Debeka Putra Mandiri (Family Company)
2017 - Januari 2021) (November 2017 - January 2021)
• Kadiv CCPL Operation (Pejabat Eksekutif) PT Bank Mega, Tbk • Division Head CCPL Operation (Executive Officer) at PT Bank
Kantor Pusat (Oktober 2014 - Maret 2018) Mega, Tbk Head Office (October 2014 - March 2018)
• Business Project Manager di Maybank Kuala Lumpur PT Bank Internasional • Business Project Manager at Maybank Kuala Lumpur at PT Bank
Indonesia Kantor Pusat (Desember 2013 - September 2014) International Indonesia Head Office (December 2013 - September 2014)
• Kadiv System Support Credit Card PT Bank Internasional Indonesia • Division Head System Support Credit Card at PT Bank International
Kantor Pusat (Juni 2011 - November 2013) Indonesia Head Office (June 2011 – November 2013)
• Kadiv Card Operation & Support (Pejabat Eksekutif) PT Bank • Division Head Card Operation & Support (Executive Officer) at PT
Mega, Tbk Kantor Pusat (Juni 2004 - Mei 2011) Bank Mega, Tbk Head Office (June 2004 - May 2011)
• System and Operation Manager PT Trias Abadi Cemerlang • System and Operation Manager at PT The Bright Eternal Triassic
(Desember 2000 - Mei 2004) (December 2000 - May 2004)
• Kepala Bagian System Support Kartu Kredit PT Bank Central Asia • Head of Credit Card Support System at PT Bank Central Asia
Kantor Pusat (Juli 1996 - November 2000) Head Office (July 1996 – November 2000)
• Programmer PT Infarco Pondok Wisata (Desember 1994 - Februari • Writing thesis, not employed (March 1996 - June 1996)
1996)
Informasi Rangkap Jabatan Information on Concurrent Positions
Beliau tidak memiliki rangkap jabatan He has no concurrent position
Hubungan Afiliasi Affiliate Relations
Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, He has no affiliation with members of the Board of Directors, other
anggota Dewan Komisaris lainnya, maupun dengan Pemegang members of the Board of Commissioners, or with the Controlling and
Saham Pengendali dan Utama. Majority Shareholders.
Kepemilikan Saham Shareholding
Beliau tidak memiliki saham di PT Allo Bank Indonesia Tbk. He does not own shares in PT Allo Bank Indonesia Tbk.
2024 Annual Report & Sustainability Report
81
Page 84
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Ganda
Raharja Rusli
Direktur Risiko, Kepatuhan & Hukum
Risk, Compliance & Legal Director
Periode Jabatan: Kedua 51 tahun WNI
Term of Office: Second 51 years old Indonesian
Domisili Domisili
Jakarta, DKI Jakarta, Indonesia Jakarta, DKI Jakarta, Indonesia
Dasar Hukum Pengangkatan Pertama Kali Dasar Hukum Pengangkatan Pertama Kali
Diangkat pertama kali sebagai Direktur Allo Bank dalam Rapat Umum Appointed for the first time as Director of Allo Bank at the Extraordinary
Pemegang Saham (RUPS) Luar Biasa tanggal 15 Oktober 2021 General Meeting of Shareholders (EGMS) was dated October 15,
berdasarkan Akta Pernyataan Keputusan Rapat No. 10 tanggal 18 2021 based on the Deed of Minutes of Annual General Meeting of
Oktober 2021 dan mendapatkan persetujuan Otoritas Jasa Keuangan Shareholders No. 10 dated October 18, 2021 and has obtained approval
(OJK) melalui Keputusan Deputi Komisioner Pengawas Perbankan I from the Financial Services Authority (OJK) through Decree of the
Otoritas Jasa Keuangan No. KEP-70/PB.1/2021 tanggal 14 Desember Deputy Commissioner of Banking Supervision I of the Financial Services
2021 tentang Hasil Penilaian Kemampuan dan Kepatutan Sdr. Ganda Authority No. KEP-70/PB.1/2021 dated December 14, 2021 concerning
Raharja Rusli selaku Direktur Kepatuhan PT Allo Bank Indonesia Tbk. Results of the Fit and Proper Test of Mr. Ganda Raharja Rusli as the
Director of Compliance of PT Allo Bank Indonesia Tbk.
Riwayat Pendidikan Riwayat Pendidikan
S1, Matematika - Institut Teknologi Bandung (1997) Bachelor’s Degree, Mathematics - Bandung Institute of Technology
(1997)
Sertifikasi Sertifikasi
• Sertifikasi Manajemen Risiko Jenjang 7 LSP LSPP (2024) • Level 7 LSP LSPP Risk Management Certification (2024)
• Pengujian Business Continuity Management atau Crisis • Testing Business Continuity Management or Crisis Management
Management Plan Melalui Table Top Exercise yang diselenggarakan Plan through Table Top Exercise held by BCM Exercise Observation
oleh Konsultan Observasi BCM Exercise Haldi Z, Jakarta (2023) Consultant Haldi Z, Jakarta (2023)
• Risk And Governance Summit (RGS) Tahun 2023 Sustainable • Risk And Governance Summit (RGS) 2023 Sustainable
Governance Digital Transformation As A Game Changer Ethical Governance Digital Transformation as A Game Changer Ethical
Culture As Value Keeper yang diselenggarakan oleh OJK, Jakarta Culture As Value Keeper held by OJK, Jakarta (2023)
(2023)
• Diseminasi Hasil Pengukuran Financial Integrity Rating On Money • Onsite Dissemination of Financial Integrity Rating Measurement
Laundering And Terrorist Financing Tahun 2023 Secara Onsite Results on Money Laundering and Terrorist Financing in 2023
yang diselenggarakan oleh PPATK, Jakarta (2023) held by PPATK, Jakarta (2023)
• Sosialisasi Peraturan Otoritas Jasa Keuangan Tentang Penerapan • Socialization of Financial Services Authority Regulations
Tata Kelola Bagi Bank Umum yang diselenggarakan oleh OJK, Concerning the Implementation of Governance for Conventional
Jakarta (2023) Bank held by OJK, Jakarta (2023)
• Webinar Compliance Refreshment Emiten Dan Perusahaan Publik • Compliance Refreshment Webinar for Issuers and Public
yang diselenggarakan oleh OJK, Jakarta (2023) Companies held by OJK, Jakarta (2023)
• FGD Tim Kerja Analisis Kolaboratif PPATK Terkait Pemilihan Umum • FGD of the PPATK Collaborative Analysis Working Team Regarding
Dan Pemilihan Kepala Daerah yang diselenggarakan oleh PPATK, General Elections and Regional Head Elections held by PPATK,
Jakarta (2023) Jakarta (2023)
• Refreshment Sertifikasi Manajemen Risiko - BSMR yang • Refreshment of Risk Management Certification - BSMR held by
diselenggarakan Efektifpro, Jakarta (2023) Efektifpro, Jakarta (2023)
• Undangan Pertemuan Koordinasi yang diselenggarakan oleh • Invitation to Coordination Meeting held by PPATK, Jakarta (2023)
PPATK, Jakarta (2023)
• Undang Undang Perlindungan Data Pribadi Dan Implementasinya • Personal Data Protection Law and its Implementation at PT Allo
Di PT Allo Bank Indonesia Tbk yang diselenggarakan oleh Bank Indonesia Tbk held by the Ministry of Communication and
Kementerian Komunikasi Informatika Republik Indonesia, Jakarta Information of the Republic of Indonesia, Jakarta (2023)
(2023)
82 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 85
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
• Workshop Internal EOMR Dan Cyber Risk yang diselenggarakan • Internal EOMR and Cyber Risk Workshop held by EOMR and
oleh EOMR Dan Cyber Risk Allo Bank, Jakarta (2023) Cyber Risk Allo Bank, Jakarta (2023)
• Rapat Koordinasi Tahun 2023 yang diselenggarakan oleh PPATK, • 2023 Coordination Meeting held by PPATK, Jakarta (2023)
Jakarta (2023)
• Pertemuan Terkait SEOJK Tentang Sertifikasi Manajemen Risiko • SEOJK Related Meeting Concerning Risk Management
Bagi Sumber Daya Manusia Bank Umum yang diselenggarakan Certification for Conventional Bank Human Resources held by
oleh OJK, Jakarta (2023) OJK, Jakarta (2023)
• Diseminasi Hasil Pengukuran Financial Integrity Rating On Money • Online Dissemination of 2022 Financial Integrity Rating on Money
Laundering And Terrorist Financing (FIR On ML/TF) Tahun 2022 Laundering And Terrorist Financing (FIR On ML/TF) Measurement
Secara Online yang diselenggarakan oleh PPATK, Jakarta (2022) Results held by PPATK, Jakarta (2022)
• Closing TechSprint Awards Ceremony & CBDC Seminar, yang • Closing TechSprint Awards Ceremony & CBDC Seminar, held by
diselenggarakan oleh Bank Indonesia, Jakarta (2022) Bank Indonesia, Jakarta (2022)
• Webinar Keterbukaan Informasi Pemilik Manfaat (Beneficial • Webinar on Information Disclosure of Beneficial Owners in the
Owner) Pada Rezim APU PPT yang diselenggarakan oleh OJK, AML-CTF Regime held by OJK, Jakarta (2022)
Jakarta (2022)
• Mewaspadai Signal Resesi Dan Debitur Nakal yang diselenggarakan • Beware of Recession Signals and Naughty Debtors held by
oleh Infobank, Jakarta (2022) Infobank, Jakarta (2022)
• Webinar Tren Dan Tantangan Anti Money Laundering Di Era Digital • Webinar on Anti-Money Laundering Trends and Challenges in the
yang diselenggarakan oleh OJK Institute, Jakarta (2022) Digital Era held by the OJK Institute, Jakarta (2022)
• Peluncuran Uang Rupiah Kertas Tahun Emisi 2022 yang • Launch of 2022 Rupiah Paper Money, held by Bank Indonesia,
diselenggarakan oleh Bank Indonesia, Jakarta (2022) Jakarta (2022)
• Webinar Digital Governance: Prasyarat untuk Mendukung • Digital Governance Webinar: Prerequisites to Support Digital
Transformasi Digital yang diselenggarakan oleh OJK, Jakarta Transformation organized by OJK, Jakarta (2022)
(2022)
• Undangan Pembahasan Strategi Kampanye Tematik Bersama • Invitation to discuss thematic campaign strategies with BI-FAST
BI-FAST Dalam Rangkaian HUT Kemerdekaan Ke-77 RI yang in the series of the 77th Independence Day of the Republic of
diselenggarakan oleh Bank Indonesia, Jakarta (2022) Indonesia held by Bank Indonesia, Jakarta (2022)
• Webinar Digital Leadership untuk Memperkuat Transformasi • Digital Leadership Webinar to Strengthen Digital Transformation
Digital yang diselenggarakan oleh OJK Institute, Jakarta (2022) held by the OJK Institute, Jakarta (2022)
• E-Refreshment Menghindari Dan Mengantisipasi Trend Kejahatan • E Refreshment Avoiding and Anticipating Banking Cybercrime
Siber Perbankan Di Era Digital yang diselenggarakan oleh IBI Trends in the Digital Era held by IBI BCC, Jakarta (2022)
BCC, Jakarta (2022)
• Sosialisasi Peraturan Anggota Dewan Gubernur Tentang Peraturan • Socialization of Regulations for Members of the Board
Pelaksanaan Rasio Pembiayaan Inklusif Makroprudensial Bagi of Governors Concerning Regulations for Implementing
Bank Umum Konvensional, Bank Umum Syariah, Dan Unit Usaha Macroprudential Inclusive Financing Ratios for Conventional
Syariah yang diselenggarakan oleh PT Efektifpro Knowledge Bank, Sharia Conventional Bank and Sharia Business Units held
Source, Jakarta (2022) by PT Efektifpro Knowledge Source, Jakarta (2022)
• Pertemuan Koordinasi Dan Arahan Presiden Republik Indonesia • Coordination Meeting and Directions of the President of the Republic
Dalam Peringatan Dua Dekade APU PPT Indonesia Dengan Tema of Indonesia in Commemoration of the Two Decades of Indonesian
Upaya Bersama Dalam Pencegahan Dan Pemberantasan Green AML-CTF with the theme of Joint Efforts in Preventing and Eradicating
Financial Crime yang diselenggarakan oleh PPATK, Jakarta (2022) Green Financial Crime, held by PPATK, Jakarta (2022)
• Digital Awareness III Big Data In Finance yang diselenggarakan • Digital Awareness III Big Data in Finance held by LPPI, Jakarta
LPPI, Jakarta (2022) (2022)
• Digital Awareness II Bank Digital Dan Fintech yang diselenggarakan • Digital Awareness II Digital Banks and Fintech held by LPPI,
LPPI, Jakarta (2022) Jakarta (2022)
• Digital Awareness 1 Kekinian Teknologi Dan Bisnis Perbankan yang • Digital Awareness 1 Current Technology and Banking Business
diselenggarakan LPPI, Jakarta (2022) held by LPPI, Jakarta (2022)
• Webinar Kesiapan Industri Jasa Keuangan Dalam Mendukung • Webinar on Financial Services Industry Readiness in Supporting
Literasi Digital Konsumen Jasa Keuangan yang diselenggarakan Digital Literacy of Financial Services Consumers held by the OJK
OJK Institute, Jakarta (2022) Institute, Jakarta (2022)
• Sertifikat Auditor Sistem Manajemen Mutu LSP yang • LSP Quality Management System Auditor Certificate, held by
diselenggarakan CKP-CBT Center, Jakarta (2021) CKP-CBT Center, Jakarta (2021)
• Sertifikasi Direksi P2P Lending level Dasar yang diselenggarakan • Basic Level P2P Lending Directors Certification, held by AFPI,
AFPI, Jakarta (2020) Jakarta (2020)
• Sertifikasi LSPP level 5 yang diselenggarakan LSPP, Jakarta (2018) • Level 5 LSPP Certification, held by LSPP, Jakarta (2018)
• Advanced Fraud Management Course yang diselenggarakan • Advanced Fraud Management Course, held by Mastercard
Mastercard Worldwide, Manila (2009) Worldwide, Manila (2009)
• Intermediate Islamic Finance yang diselenggarakan National • Intermediate Islamic Finance, held by National Commercial Bank,
Commercial Bank, Jeddah (2009) Jeddah (2009)
• Basic Islamic Finance yang diselenggarakan National Commercial • Basic Islamic Finance, held by National Commercial Bank, Jeddah
Bank, Jeddah (2008) (2008)
• Basel II yang diselenggarakan National Commercial Bank, Jeddah • Basel II, held by the National Commercial Bank, Jeddah (2008)
(2008)
• Risk Management Best Practice Account Management yang • Risk Management Best Practice Account Management, held by
diselenggarakan The Credit Academy, Singapore (2006) The Credit Academy, Singapore (2006)
2024 Annual Report & Sustainability Report
83
Page 86
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
• Certification Foundation Level yang diselenggarakan Citibank, • Citification Foundation Level, held by Citibank, Indonesia (2002)
Indonesia (2002)
• Citibank Aspac MADP yang diselenggarakan Citibank, Singapore • Citibank Aspac MADP, held by Citibank, Singapore (1999)
(1999)
Riwayat Pekerjaan Employment History
• Direktur Risiko, Kepatuhan dan Hukum PT Allo Bank Indonesia • Director of Risk, Compliance and Legal at Allo Bank (September
Tbk (Agustus 2023 - sekarang) 2023 - present)
• Direktur Risiko, Kepatuhan, Human Capital dan Hukum PT Allo • Director of Risk, Compliance, Human Capital and Legal at Allo
Bank Indonesia Tbk (Oktober 2021 - Agustus 2023) Bank (October 2021 - August 2023)
• Direktur Manajemen Risiko, Hukum dan Kepatuhan - Akseleran • Director of Risk Management, Legal and Compliance – Akseleran
Keuangan Inklusif Indonesia (Akseleran P2P Lending) (Januari Keuangan Inklusif Indonesia (P2P Lending Acceleration) (January
2020 - Agustus 2021) 2020 - August 2021)
• Kepala Divisi Manajemen Risiko (Pejabat Executive) - Bank • Head of Risk Management Division (Executive Officer) -
Commonwealth Indonesia (Maret 2017 - Desember 2019) Commonwealth Bank Indonesia (March 2017 - December 2019)
• Kepala Divisi Manajemen Risiko segmen Konsumer (Pejabat • Head of Risk Management Division Consumer Segment (Executive
Executive) - Bank ANZ Indonesia (Mei 2015 - Februari 2017) Officer) - Bank ANZ Indonesia (May 2015 - February 2017)
• Direktur Kredit dan Penagihan - Bank Sahabat Sampoerna • Director of Credit and Collection - Bank Sahabat Sampoerna
(Januari 2012 - April 2015) (January 2012 - April 2015)
• Direktur Manajemen Risiko - Sahabat Finansial Keluarga (anak • Director of Risk Management - Sahabat Finansial Keluarga (a
usaha dari Bank Permata) (Desember 2010 - Desember 2011) subsidiary of Bank Permata) (December 2010 - December 2011)
• Credit Card Policy Manager - National Commercial Bank, Jeddah • Manager of Credit Card Policy - National Commercial Bank,
(Desember 2007 - Desember 2010) Jeddah (December 2007 – December 2010)
• Kepala bagian Kredit tanpa Agunan (Unsecured Credit) - GE • Head of Unsecured Credit - GE Finance Indonesia (April 2006 -
Finance Indonesia (April 2006 - Desember 2007) December 2007)
• Kepala bagian Risk Analytics - ABN Amro Indonesia (Agustus • Head of Risk Analytics - ABN Amro Indonesia (August 2004 -
2004 - April 2006) April 2006)
• Kepala bagian Risk Analytics - Citibank Indonesia (November 1997 • Head of Risk Analytics - Citibank Indonesia (November 1997 -
- Agustus 2004) August 2004)
Informasi Rangkap Jabatan Information on Concurrent Positions
Beliau tidak memiliki rangkap jabatan He has no concurrent position
Hubungan Afiliasi Affiliate Relations
Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, He has no affiliation with members of the Board of Directors, other
anggota Dewan Komisaris lainnya, maupun dengan Pemegang members of the Board of Commissioners, or with the Controlling and
Saham Pengendali dan Utama. Majority Shareholders.
Kepemilikan Saham Shareholding
Beliau memiliki 47.384 lembar saham PT Allo Bank Indonesia Tbk He owns 47,384 shares of PT Allo Bank Indonesia Tbk
84 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 87
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Sajal
Bhatnagar
Direktur Digital
Digital Director
Periode Jabatan: Kedua 37 tahun India
Term of Office: Second 37 years old Indian
Domisili Domisili
Jakarta, DKI Jakarta, Indonesia Jakarta, DKI Jakarta, Indonesia
Dasar Hukum Pengangkatan Pertama Kali Dasar Hukum Pengangkatan Pertama Kali
Diangkat pertama kali sebagai Direktur Allo Bank dalam Rapat Umum Appointed for the first time as Digital Director of Allo Bank at the
Pemegang Saham (RUPS) Tahunan tahun buku 2022 tertanggal 19 Annual General Meeting of Shareholders (GMS) for the 2022 fiscal year
Mei 2022 berdasarkan Akta Rapat Umum Pemegang Saham Tahunan dated May 19, 2022 based on the Deed of Annual General Meeting of
No. 107 tertanggal 16 Juni 2022 dan mendapatkan persetujuan OJK Shareholders No. 107 dated June 16, 2022 and obtained OJK approval
melalui Keputusan Deputi Komisioner Pengawas Perbankan I OJK No. through Decree of Deputy Commissioner for Banking Supervision I OJK
Kep-40/PB.1/2022 tanggal 16 Agustus 2022 tertanggal 16 Agustus No. Kep-40/ PB.1/2022 dated August 16, 2022 concerning Results of
2022 tentang Hasil Penilaian Kemampuan dan Kepatutan Sdr. Sajal the Fit and Proper Test of Mr. Sajal Bhatnagar as Candidate for Digital
Bhatnagar selaku Calon Direktur Digital PT Allo Bank Indonesia Tbk. Director of PT Allo Bank Indonesia Tbk.
Riwayat Pendidikan Riwayat Pendidikan
• S2, MBA - IIM Calcutta (2010) • Master of Business Administration - IIM Calcutta (2010)
• S1, Mechanical Engineering - IIT (ISM) Dhanbad (2008) • Bachelor’s Degree, Mechanical Engineering - IIT (ISM) Dhanbad
(2008)
Sertifikasi Sertifikasi
• Sertifikasi Manajemen Risiko Jenjang 7 LSP LSPP (2024) • Level 7 LSP LSPP Risk Management Certification (2024)
• Pengujian Business Continuity Management Atau Crisis • Testing Business Continuity Management or Crisis Management
Management Plan Melalui Table Top Exercise yang diselenggarakan Plan through Table Top Exercise held by BCM Exercise Observation
oleh Konsultan Observasi BCM Exercise Haldi Z, Jakarta (2023) Consultant Haldi Z, Jakarta (2023)
• Refreshment Sertifikasi Manajemen Risiko - BSMR yang • Refreshment of Risk Management Certification - BSMR held by
diselenggarakan Efektifpro, Jakarta (2023) Efektifpro, Jakarta (2023)
• Pembekalan Sertifikasi Manajemen Risiko Level 5 Fast Track LSPP, • Provision of LSPP Fast Track Level 5 Risk Management
yang diselenggarakan oleh GSP Partners, Jakarta (2022) Certification, organized by GSP Partners, Jakarta (2022)
• Sertifikasi Manajemen Risiko Level 5 yang diselenggarakan LSPP, • Level 5 Risk Management Certification held by LSPP, Jakarta
Jakarta (2022/Level 5 Risk Management Certification held by (2022)
LSPP, Jakarta (2022)
Riwayat Pekerjaan Employment History
• Direktur Digital PT Allo Bank Indonesia Tbk (Juni 2022 - sekarang) • Director of Digital at PT Allo Bank Indonesia Tbk (June 2022 - present)
• Chief Business Officer (BOD) - Paytm Payments Bank (November • Chief Business Officer (BOD) - Paytm Payments Bank (November
2020 - Mei 2022) 2020 - Mei 2022)
• Vice President, Payment Merchant Product and Lifecycle (Executive • Vice President, Payment Merchant Product and Lifecycle
Staff) - Paytm (One97 Communications Pvt. Ltd.), Delhi NCR (Executive Staff) - Paytm (One97 Communications Pvt. Ltd.), Delhi
(Maret 2015 - November 2020) NCR (Maret 2015 - November 2020)
Informasi Rangkap Jabatan Information on Concurrent Positions
Beliau tidak memiliki rangkap jabatan He has no concurrent position
Hubungan Afiliasi Affiliate Relations
Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, He has no affiliation with members of the Board of Directors, other
anggota Dewan Komisaris lainnya, maupun dengan Pemegang members of the Board of Commissioners, or with the Controlling and
Saham Pengendali dan Utama. Majority Shareholders.
Kepemilikan Saham Shareholding
Beliau tidak memiliki saham di PT Allo Bank Indonesia Tbk. He does not own shares in PT Allo Bank Indonesia Tbk.
2024 Annual Report & Sustainability Report
85
Page 88
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Pejabat
Eksekutif Executive Officers
Agung Andri
Susilo Syahmoedi
Contact Center Head Supply Chain Financing Head
Contact Center Head Supply Chain Financing Head
WNI, 50 tahun WNI, 43 tahun
Mulai bergabung dengan Allo Bank pada Beliau menjabat sebagai Supply Chain
tahun 2023, beliau sebelumnya menjabat Financing Head sejak tahun 2024. Sebelum
sebagai Head of Contact Center pada bergabung dengan Allo Bank, pengalaman
berbagai industri seperti Perbankan kerja beliau adalah sebagai Chief Product
(Citibank, Standard Chartered, ABN Amro, & Operation Officer, PT Investree Radhika
HSBC), Insurance (Cigna Indonesia), Jaya (2020-2023). Head of Strategy, PT
Hospitality (Karma Group International), Sinar Mas Agro Resources & Technology
Fintech (Cermati.com Dan Indodana), (SMART) Tbk (2019-2020). SME Business
e-commerce (OLX-Autos Indonesia). Development Head, PT Bank Mandiri
(Persero) Tbk (2005 - 2019).
Beliau merupakan lulusan dari Universitas
Gajah Mada dengan gelar S-2 Marketing Beliau meraih gelar S-1 Teknik Industri,
Management pada tahun 2001. Institut Teknologi Bandung (2005).
Indonesian citizen, 50 years old Indonesian citizen, 43 years old
Joined Allo Bank in 2023. He previously He has served as Supply Chain Financing
served as Head of Contact Center at Head since 2024. Prior to joining Allo Bank,
various leading companies in Indonesia he worked as Chief Product & Operation
including Banking (Citibank, Standard Officer at PT Investree Radhika Jaya
Chartered, ABN Amro, HSBC), Insurance (2020–2023), Head of Strategy at PT Sinar
(Cigna Indonesia), Hospitality (Karma Mas Agro Resources & Technology (SMART)
Group International), Fintech (Cermati.com Tbk (2019–2020), and SME Business
and Indodana), e-commerce (OLX-Autos Development Head at PT Bank Mandiri
Indonesia). (Persero) Tbk (2005–2019).
He graduated from Gajah Mada University He earned a Bachelor’s degree in Industrial
with a Master’s Degree in Marketing Engineering from the Bandung Institute of
Management in 2001. Technology in 2005.
86 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 89
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Arief Aryanto Bagus Razy
Noorman Halawa Syabandita
Cyber Risk Head
Cyber Risk Head
Finance & Accounting Head
Finance & Accounting Head
Hakim
Treasury Head
WNI, 48 tahun WNI, 48 Tahun Treasury Head
Beliau menjabat sebagai Cyber Risk Head Beliau menjabat sebagai Finance &
WNI, 28 Tahun
sejak tahun 2023. Sebelum bergabung Accounting Head sejak tahun 2022.
dengan Allo Bank, beliau memiliki Sebelum bergabung dengan Allo Bank,
Beliau menjabat sebagai Treasury Head
pengalaman panjang dalam berbagai beliau menjabat sebagai Finance, Planning
sejak tahun 2022. Sebelumnya beliau
institusi perbankan dan teknologi seperti & Control Division Head, Bank Harda
tercatat pernah menjabat sebagai Retail
Smartfren, HSBC, Citibank, dan SCB International (2000 - 2022).
Sales Specialist, Bank Mega (2019 - 2020),
dengan spesialisasi IT Security, Governance,
dan Treasury Dealer, Bank Mega (2020 -
Risk dan Compliance. Beliau meraih gelar S-1 Akuntansi,
2022).
Universitas terbuka pada tahun 2022.
Beliau meraih gelar S-1 Teknik Komputer
Beliau meraih gelar S-1 Manajemen,
dari Institut Teknologi Sepuluh November
Universitas Brawijaya pada tahun 2017.
Surabaya pada tahun 2001. Indonesian citizen, 48 years old
He has served as Finance & Accounting
Indonesian citizen, 28 years old
Indonesian citizen, 48 years old Head since 2022. Prior to joining Allo Bank,
he worked as Finance, Planning & Control
He has served as Treasury Head since
He has served as Cyber Risk Head Division Head at Bank Harda International
2022. Previously, he worked as Retail Sales
since 2023. Before joining Allo Bank, he (2000–2022).
Specialist at Bank Mega (2019–2020) and
gained extensive experience in banking
Treasury Dealer at Bank Mega (2020–
and technology institutions, including He earned a Bachelor’s degree in
2022).
Smartfren, HSBC, Citibank, and SCB, with Accounting from Open University in 2022.
specializations in IT Security, Governance,
He earned a Bachelor’s degree in
Risk, and Compliance.
Management from Brawijaya University in
2017.
He earned his Bachelor’s degree in
Computer Engineering from Sepuluh
November Institute of Technology,
Surabaya, in 2001.
2024 Annual Report & Sustainability Report
87
Page 90
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Boma Dani Bayu Daniel
Harahap Angkat Leonardo
Digital Non-Lending Product
Head Niko
Internal Audit Head
Internal Audit Head
Digital Non-Lending Product Head Application Management Head
WNI, 39 Tahun Application Management Head
WNI, 37 tahun
Beliau menjabat sebagai Internal Audit Head
sejak tahun 2022. Sebelum bergabung WNI, 38 Tahun
Beliau menjabat sebagai Digital Non-
dengan Allo Bank, pengalaman kerja
Lending Product & Business Head sejak
beliau adalah sebagai Head of Anti Fraud Beliau menjabat sebagai Application
tahun 2022, sebelumnya pernah menjabat
Management & Investigation, PT Bank QNB Management Head sejak tahun 2023.
posisi strategis meliputi Deputy General
Indonesia Tbk (2021-2022), Internal Audit Sebelum bergabung dengan Allo Bank,
Manager, Hutchison Tri Indonesia (2019 -
Manager, PT Akseleran Keuangan Inklusif pengalaman kerja beliau adalah sebagai
2022), dan Product Marketing Lead, GOJEK
Indonesia (2020-2021), Head of Anti Fraud, Information Technology Head, PT Bank
(2017 - 2019).
PT Inti Bangun Sejahtera Tbk (2017-2020), KEB Hana Indonesia (2014 - 2022), Java
Panin Bank sebagai Audit Team Leader Framework Engineer, Ewideplus Korea
Beliau merupakan lulusan dari Delft
(2012 - 2017) dan Bank Danamon Indonesia (2012-2014), dan Java Engineer, Telkom
University of Technology dengan gelar S-2
sebagai QA Manager (2009 - 2012). Sigma (2008 - 2010).
Master of Science pada tahun 2014.
Beliau meraih gelar S-1 dari Institut Beliau meraih gelar S-2 Master of
Pertanian Bogor tahun 2007 dan S2 dari Engineering, Pukyong National University
Indonesian citizen, 37 years old
Universitas Indonesia pada tahun 2016. (2012).
He has served as Digital Non-Lending
Product & Business Head since 2022. He
Indonesian citizen, 39 years old Indonesian citizen, 38 years old
previously held strategic positions, including
Deputy General Manager at Hutchison
He has served as Internal Audit Head since He has served as Application Management
Tri Indonesia (2019–2022) and Product
2022. Before joining Allo Bank, his work Head since 2023. Before joining Allo Bank,
Marketing Lead at GOJEK (2017–2019).
experience included roles as Head of Anti- his roles included Information Technology
Fraud Management & Investigation at PT Head at PT Bank KEB Hana Indonesia
He graduated from Delft University of
Bank QNB Indonesia Tbk (2021–2022), (2014–2022), Java Framework Engineer
Technology with a Master of Science
Internal Audit Manager at PT Akseleran at Ewideplus Korea (2012–2014), and Java
degree in 2014.
Keuangan Inklusif Indonesia (2020–2021), Engineer at Telkom Sigma (2008–2010).
and Head of Anti-Fraud at PT Inti Bangun
Sejahtera Tbk (2017–2020). He also served He earned his Master of Engineering
at Panin Bank as Audit Team Leader (2012– degree from Pukyong National University
2017) and at Bank Danamon Indonesia as in 2012.
QA Manager (2009–2012).
He earned his Bachelor’s degree from IPB
University in 2007 and his Master’s degree
from the University of Indonesia in 2016.
88 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 91
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Destya D. Dimas Fazlan
Pradityo Hananto Asqolani
Digital Strategy Head
Digital Strategy Head Nugroho Transaction Monitoring &
Monitoring Head
Transaction Monitoring & Monitoring Head
Compliance & AML CTF Head
WNI, 39 Tahun Compliance & AML CTF Head
WNI, 52 tahun
Beliau menjabat sebagai Digital Strategy
Head sejak tahun Jan 2023. Sebelum WNI, 41 tahun
Beliau menjabat sebagai Transaction
bergabung dengan Allo Bank, pengalaman
Monitoring & Monitoring Head sejak
kerja beliau adalah sebagai Managing Beliau menjabat sebagai Compliance &
tahun 2022. Sebelum bergabung dengan
Director, BTPN Syariah Ventura (Oktober AML CTF Head sejak tahun 2022. Sebelum
Allo Bank, pengalaman kerja beliau
2021 - Desember 2022), Business Process bergabung dengan Allo Bank, pengalaman
adalah sebagai Transaction Monitoring &
Management & Partnership Head, BTPN kerja beliau adalah sebagai Kepala Satuan
Authorization Head, Bank Mega (2004
Syariah (September 2021 - Desember Kerja Kepatuhan dan APU & PPT, PT Bank
- 2022), dan Payment Manager, Bank
2022), Digital Product Innovation Head, Digital BCA (2021 - 2022), Wholesale, Retail
Permata (1997 - 2004).
OCBC Indonesia (Maret 2019 - Agustus & Support Compliance Advisor Manager,
2021) dan Director, OCBC NISP Ventura PT Bank UOB Indonesia (2019 - 2021),
Beliau memiliki latar belakang pendidikan
(Juli 2019 - November 2020) Compliance Advisor, PT Bank OCBC NISP
S-2 Administrasi Bisnis, Universitas Gadjah
Tbk (2018 - 2019) dan Compliance Advisor
Mada (2013).
Beliau meraih gelar S-2 Financial PT Bank Mandiri (Persero) Tbk (2014 -
Management, Institut Pertanian Bogor 2018).
(2013). Indonesian citizen, 52 years old
Beliau meraih gelar S-1 Manajemen
Perusahaan, Universitas Pancasila (2005). He has served as Transaction Monitoring
Indonesian citizen, 39 years old
& Authorization Head since 2022. Before
joining Allo Bank, his work experience
He has served as Digital Strategy Head Indonesian citizen, 41 years old
included roles as Transaction Monitoring
since January 2023. Prior to joining Allo
& Authorization Head at Bank Mega
Bank, he held roles as Managing Director He has served as Compliance & AML CTF
(2004–2022) and Payment Manager at
at BTPN Syariah Ventura (October 2021– Head since 2022. Before joining Allo Bank,
Bank Permata (1997–2004).
December 2022), Business Process he worked as Head of Compliance and
Management & Partnership Head at BTPN AML & PPT Work Unit at PT Bank Digital
He earned a Master’s degree in Business
Syariah (September 2021–December BCA (2021–2022), Wholesale, Retail &
Administration from Gadjah Mada University
2022), Digital Product Innovation Head at Support Compliance Advisor Manager
in 2013.
OCBC Indonesia (March 2019–August at PT Bank UOB Indonesia (2019–2021),
2021), and Director at OCBC NISP Ventura Compliance Advisor at PT Bank OCBC
(July 2019–November 2020). NISP Tbk (2018–2019), and Compliance
Advisor at PT Bank Mandiri (Persero) Tbk
He earned his Master’s degree in Financial (2014–2018).
Management from IPB University in 2013.
He earned a Bachelor’s degree in
Corporate Management from Pancasila
University in 2005.
2024 Annual Report & Sustainability Report
89
Page 92
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Ferdi Joko
Anggriawan Iswibowo IT Infrastructure & Operations
Yuniarto
Growth Head
Growth Head
Head
IT Infrastructure & Operations Head Condro
Credit Risk Head
WNI, 33 tahun WNI, 53 tahun Credit Risk Head
Beliau menjabat sebagai Growth Head Beliau menjabat sebagai IT Infrastructure &
sejak tahun 2023. Sebelum bergabung Operations Head sejak tahun 2021. Sebelum WNI, 47 tahun
dengan Allo Bank, pengalaman kerja beliau bergabung dengan Allo Bank, pengalaman
adalah sebagai Head of Digital Marketing, kerja beliau adalah sebagai IT Support Beliau menjabat sebagai Credit Risk Head
Growth & Intelligence, Gojek (2020 - 2022), Operation Specialist, PT Bank Mega Tbk sejak tahun 2022. Mengawali karir di
dan Head of Digital Marketing, Moka POS (2020-2021), dan IT System Engineer & Departemen Risk Management Citibank
(2018-2020), dan Assistant Digital Marketing Data Center Operation Head, PT Wirecard (2003) sebagai Credit Risk Officer, beliau
Manager, Grab (2017 - 2018). Beliau juga Technologies Indonesia (2018 - 2019), serta melanjutkan karir di beberapa Institusi
aktif mengisi berbagai workshop dan pada IT Bank Permata (1994 - 2018). Keuangan antara lain sebagai Credit Risk
seminar internasional di bidang digital Policy Manager di Standard Chartered Bank
business & marketing, seperti Digital Beliau memiliki latar belakang pendidikan (2009), Head of Product Development-
Marketing Europe, Techinasia, dan ASEAN S-1 Sistem Informasi, Universitas Budi Luhur Personal Loan, Bank CIMB Niaga (2015),
Development Programme. (1998) dan D-4 Sistem Informasi, UPN Senior Consultant untuk Surya Menara
Veteran (1992) Group (2015 - 2018), dan Lead Business
Beliau memiliki latar belakang pendidikan Development Program, PT SAA (2018 -
S-1 International Relation and Affairs, 2022).
Universitas Gadjah Mada (2013). Indonesian citizen, 53 years old
Beliau memiliki latar belakang pendidikan
He has served as IT Infrastructure & S-1 Aeronatics Engineering ITB (2001)
Indonesian citizen, 33 years old Operations Head since 2021. Before & S-2 Magister Business Administration
joining Allo Bank, he worked as IT Support Technology, ITB (2003).
He has served as Growth Head since Operation Specialist at PT Bank Mega Tbk
2023. Before joining Allo Bank, he worked (2020–2021), IT System Engineer & Data
as Head of Digital Marketing, Growth & Center Operation Head at PT Wirecard Indonesian citizen, 47 years old
Intelligence at GOJEK (2020–2022), Head Technologies Indonesia (2018–2019), and
of Digital Marketing at Moka POS (2018– in IT at Bank Permata (1994–2018). He has served as Credit Risk Head since
2020), and Assistant Digital Marketing 2022. Starting his career in the Risk
Manager at Grab (2017–2018). He is He holds a Bachelor’s degree in Information Management Department of Citibank
also active in presenting at international Systems from Budi Luhur University (1998) (2003) as a Credit Risk Officer, he
workshops and seminars on digital business and a Diploma IV in Information Systems continued in several financial institutions,
and marketing, such as Digital Marketing from UPN Veteran (1992). including as Credit Risk Policy Manager at
Europe, Techinasia, and the ASEAN Standard Chartered Bank (2009), Head of
Development Programme. Product Development–Personal Loan at
Bank CIMB Niaga (2015), Senior Consultant
He earned a Bachelor’s degree in at Surya Menara Group (2015–2018), and
International Relations and Affairs from Lead Business Development Program at PT
Universitas Gadjah Mada in 2013. SAA (2018–2022).
He holds a Bachelor’s degree in Aeronautics
Engineering (2001) from Bandung Institute
of Technology and a Master’s degree in
Business Administration Technology (2003)
from the Bandung Institute of Technology.
90 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 93
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Martina Moch. Muhammad
Loloate J. Riza Fikri
Ujung Achrulah Credit Review & Restructure
Head
Credit Review & Restructure Head
Credit Operations Head Information Technology
Credit Operations Head Security Head
WNI, 40 Tahun
Information Technology Security Head
WNI, 43 tahun Beliau menjabat sebagai Credit Review
WNI, 54 tahun & Restructure Head sejak tahun 2024.
Beliau menjabat sebagai Credit Operations Sebelumnya beliau tercatat pernah
Head sejak tahun 2022. Sebelum menjabat sebagai VP Credit Analyst,
Beliau menjabat sebagai Information
bergabung dengan Allo Bank, pengalaman Commonwealth Bank (2017 - 2021), Senior
Technology Security Head sejak tahun 2023.
kerja beliau adalah sebagai Credit Division Credit Reviewer, Maybank Group (2016 -
Sebelum bergabung dengan Allo Bank,
Head, PT Bank Harda Internasional, Tbk 2017), Head of Investment, Indonesia SIPF
pengalaman kerja beliau adalah sebagai Sr.
(2016 - 2022), Credit Approval Manager, (2014 - 2016), Corporate Credit Analyst, PT
IT Security Project Manager, Bank Mandiri
Operational Risk Management, PT Bank Bank Negara Indonesia Tbk (2009 - 2014),
(2020 - 2022), dan IT Security Services
Danamon Indonesia Tbk (2005 - 2016), Investment Lecturer, Universitas Unika Atma
Dept. Head, Bank Mandiri (2018 - 2020).
dan Operation Officer, Bank Rakyat Jaya Jakarta (2009-2016).
Indonesia (2004)
Beliau memiliki latar belakang pendidikan
S-1 Ilmu Komputer, Universitas Indonesia Beliau Meraih gelar S1 dan S2 Administrasi
Beliau memiliki latar belakang pendidikan Bisnis, dari Universitas Gadjah Mada pada
(1997).
S-1 Sosial Ekonomi Pertanian, Universitas tahun 2008
Methodist Indonesia (2003).
Indonesian citizen, 54 years old
Indonesian citizen, 40 years old
Indonesian citizen, 43 years old He has served as Information Technology
Security Head since 2023. Prior to joining He has served as Credit Review &
She has served as Credit Operations Head Allo Bank, his work experience included Restructure Head since 2024. Previously,
since 2022. Prior to joining Allo Bank, she roles as Sr. IT Security Project Manager at he worked as VP Credit Analyst at
worked as Credit Division Head at PT Bank Bank Mandiri (2020–2022) and IT Security Commonwealth Bank (2017–2021),
Harda Internasional Tbk (2016–2022), Services Department Head at Bank Mandiri Senior Credit Reviewer at Maybank Group
Credit Approval Manager at Operational (2018–2020). (2016–2017), Head of Investment at
Risk Management, PT Bank Danamon Indonesia SIPF (2014–2016), Corporate
Indonesia Tbk (2005–2016), and Operation He holds a Bachelor’s degree in Computer Credit Analyst at PT Bank Negara Indonesia
Officer at Bank Rakyat Indonesia (2004). Science from the University of Indonesia Tbk (2009–2014), and as an Investment
(1997). Lecturer at Unika Atma Jaya University
She earned a Bachelor’s degree in Jakarta (2009–2016).
Agricultural Socioeconomics from
Methodist University of Indonesia in 2003. He earned both his Bachelor’s and Master’s
degrees in Business Administration from
Gadjah Mada University in 2008.
2024 Annual Report & Sustainability Report
91
Page 94
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Muhamad Nandy Netty
Husni Chary Delima
Hudaya Branch Manager
Branch Manager
Simanjuntak
Branch Manager Human Capital Strategy &
Branch Manager WNI, 51 tahun Services Head
Human Capital Strategy & Services Head
Beliau menjabat sebagai Branch Manager
WNI, 41 tahun sejak tahun 2022. Sebelum bergabung
dengan Allo Bank, pengalaman kerja beliau WNI, 48 tahun
Beliau menjabat sebagai Branch Manager adalah sebagai WFB Team Leader, Bank
sejak tahun 2023. Sebelum bergabung BTPN (2010 - 2022), dan Relationship Beliau menjabat sebagai Head of Human
dengan Allo Bank, pengalaman kerja beliau Manager Commercial, Bank UOB (2009 - Capital & Strategy Services sejak tahun
adalah sebagai Branch Manager, Sub- 2010). 2023. Sebelum bergabung dengan Allo
Branch Manager, Kordinator Marketing dan Bank, pengalaman kerja beliau terkait dunia
Marketing Bank Mega (2008-2023), dan Beliau memiliki latar belakang pendidikan HR adalah sebagai Experd Consultant
Personal Marketing Officer, Bank HSBC S-1 Manajemen, Universitas Pancasila (2001 - 2006) dan Hutchison CP
Syariah (2007-2008). (1998). Telecommunication (2006 - 2008), Adira
Dinamika Multi Finance (2008 - 2012) dan
Beliau memiliki latar belakang pendidikan Dinamika Talenta Consultant (2012 - 2014)
S-1 Teknik Kimia, Universitas Islam Indonesia Indonesian citizen, 51 years old sebelum bergabung ke dalam industri
Yogyakarta. perbankan di Bank CTBC Indonesia (2014 -
He has served as Branch Manager since 2017) dan Bank Mega (2017 - 2023).
2022. Before joining Allo Bank, his work
Indonesian citizen, 41 years old experience included roles as WFB Team Beliau memiliki latar belakang pendidikan
Leader at Bank BTPN (2010–2022) and terakhir S-2 Psikologi (Profesi) dari
He has served as Branch Manager since Relationship Manager Commercial at Bank Universitas Indonesia (2001)
2023. Before joining Allo Bank, his work UOB (2009–2010).
experience included roles as Branch
Manager, Sub-Branch Manager, Marketing He earned a Bachelor’s degree in Indonesian citizen, 48 years old
Coordinator, and Marketing Officer at Management from Pancasila University in
Bank Mega (2008–2023), and Personal 1998. She has served as Head of Human Capital
Marketing Officer at Bank HSBC Syariah Strategy & Services since 2023. Before
(2007–2008). joining Allo Bank, she worked in various
HR-related roles, including at Experd
He holds a Bachelor’s degree in Chemical Consultant (2001–2006), Hutchison CP
Engineering from Universitas Islam Telecommunication (2006–2008), Adira
Indonesia Yogyakarta. Dinamika Multi Finance (2008–2012), and
Dinamika Talenta Consultant (2012–2014).
She later transitioned to the banking sector
with roles at Bank CTBC Indonesia (2014–
2017) and Bank Mega (2017–2023).
She earned a Master’s degree in
Psychology (Profession) from the University
of Indonesia in 2001.
92 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 95
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Panji Raja Ratna
Permana Pardede Wahyuningsih
Network Operations Head Credit Head Funding Head
Network Operations Head Credit Head Funding Head
WNI, 44 tahun WNI, 63 tahun WNI, 55 tahun
Beliau menjabat sebagai Network Beliau menjabat sebagai Credit Head sejak Beliau menjabat sebagai Funding Head
Operations Head sejak tahun 2022. tahun 2022. Sebelum bergabung dengan sejak tahun 2022. Sebelum bergabung
Sebelum bergabung dengan Allo Bank, Allo Bank, pengalaman kerja beliau adalah dengan Allo Bank, pengalaman kerja beliau
pengalaman kerja beliau adalah sebagai sebagai National Credit Review, Restructure adalah sebagai Sales Head I WFB, Bank
E-Channel Reconciliation & Settlement & CO Head, Bank Mega (1999 - 2022), BTPN (2008 - 2021), dan berbagai jabatan
Head, Bank Mega (2016 - 2022), dan Group Head BPS (Bank Papan Sejahtera) di Bank Danamon sebagai Management
Product Development (AJK) - Insurance (1996 - 1999), Team Leader BII (Bank Trainee (1993-1996), Relationship Manager
Business (bancassurance), Bank CIMB Niaga International Indonesia) (1990 - 1996), (1996-2005) dan Business Manager (2005
(2014 - 2016). dan Satuan Pengawasan Intern (SPI) - 2008).
BPPT (Badan Pengkajian dan Penarapan
Beliau memiliki latar belakang pendidikan Teknologi) (1987 - 1989. Beliau adalah lulusan S-1 Pertanian,
D-3 Manajemen Informatika, Universitas Universitas Borobudur (1993).
Gunadarma (2001). Beliau memiliki latar belakang pendidikan
S-2 Administrasi Bisnis, Asian Institute of
Management (2009). Indonesian citizen, 55 years old
Indonesian citizen, 44 years old
She has served as Funding Head since
He has served as Network Operations Indonesian citizen, 63 years old 2022. Before joining Allo Bank, she
Head since 2022. Before joining Allo worked as Sales Head I WFB at Bank BTPN
Bank, his work experience included roles He has served as Credit Head since (2008–2021) and held various positions
as E-Channel Reconciliation & Settlement 2022. Before joining Allo Bank, his work at Bank Danamon, including Management
Head at Bank Mega (2016–2022) and experience included roles as National Credit Trainee (1993–1996), Relationship Manager
Product Development (AJK)–Insurance Review, Restructure & CO Head at Bank (1996–2005), and Business Manager
Business (bancassurance) at Bank CIMB Mega (1999–2022), Group Head at BPS (2005–2008).
Niaga (2014–2016). (Bank Papan Sejahtera) (1996–1999), Team
Leader at BII (Bank International Indonesia) She earned a Bachelor’s degree in
He holds a Diploma III in Informatics (1990–1996), and Internal Audit Unit (SPI) Agriculture from Borobudur University in
Management from Gunadarma University at BPPT (Agency for the Assessment and 1993.
(2001). Application of Technology) (1987–1989).
He holds a Master’s degree in Business
Administration from the Asian Institute of
Management (2009).
2024 Annual Report & Sustainability Report
93
Page 96
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Ria Sari Ricky Rully
Sidabutar Ansen Feranata
Legal Head Digital Lending Product and IT Strategy & Governance Head
Legal Head Business Head IT Strategy & Governance Head
Digital Lending Product and Business Head
WNI, 54 tahun WNI, 43 tahun
WNI, 36 tahun
Beliau menjabat sebagai Legal Head sejak Beliau menjabat sebagai IT Strategy &
tahun 2024, sebelumnya beliau tercatat Governance Head sejak tahun 2022.
Beliau menjabat sebagai Digital Lending
pernah menjabat sebagai Legal Head Bank Sebelum bergabung dengan Allo Bank,
Product and Business Head sejak tahun
Ina Perdana 2018 - 2022), Legal Head Bank pengalaman kerja beliau adalah sebagai
2022. Sebelum bergabung dengan Allo
Victoria (2014 - 2016), Legal Head Tugu Department Head IT Strategy & Enterprise
Bank, pengalaman kerja beliau adalah
Reasuransi (2013 - 2014), dan Regional Architecture PT Bank Danamon Indonesia
sebagai Digital Banking Consumer Lending
Legal Manager Bank Mega (2007 - 2013) Tbk (2021 - 2022), dan Senior Lead
Lead, BTPN (2018 - 2021), Incentive
Enterprise Architecture PT Bank Mandiri Tbk
Management Head, Bank CIMB Niaga (2017
Beliau meraih gelar S1 Hukum di Universitas (2013 - 2021).
- 2018), dan berbagai posisi di Credit Card
Trisakti (1995) dan S2 Magister Notariat
Business, Bank Mega (2011 - 2017).
Universitas Jayabaya (2018) Latar belakang pendidikan terakhir beliau
adalah S-2 Magister Manajemen Fakultas
Beliau adalah lulusan S-1 Bachelor of Arts,
Ekonomi dan Bisnis dari Universitas
Inti International University (2009).
Indonesian citizen, 54 years old Indonesia (2018).
She has served as Legal Head since 2024.
Indonesian citizen, 36 years old
Previously, she worked as Legal Head at Indonesian citizen, 43 years old
Bank Ina Perdana (2018–2022), Legal
He has served as Digital Lending Product
Head at Bank Victoria (2014–2016), Legal He has served as IT Strategy & Governance
and Business Head since 2022. Prior to
Head at Tugu Reasuransi (2013–2014), Head since 2022. Prior to joining Allo
joining Allo Bank, he worked as Digital
and Regional Legal Manager at Bank Mega Bank, he worked as Department Head of
Banking Consumer Lending Lead at BTPN
(2007–2013). IT Strategy & Enterprise Architecture at PT
(2018–2021), Incentive Management
Bank Danamon Indonesia Tbk (2021–2022)
Head at Bank CIMB Niaga (2017–2018),
She earned a Bachelor’s degree in Law and Senior Lead Enterprise Architecture at
and in various positions in the Credit Card
from Trisakti University (1995) and a PT Bank Mandiri Tbk (2013–2021).
Business at Bank Mega (2011–2017).
Master’s degree in Notary Studies from
Jayabaya University (2018). He earned a Master’s degree in
He earned a Bachelor of Arts degree from
Management from the Faculty of
Inti International University in 2009.
Economics and Business, University of
Indonesia, in 2018.
94 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 97
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Rumiris Sandra Sony Yoga
Fouryentina Pramita Delarama
Sinaga Sari Digital Business Partnership
Head
Digital Business Partnership Head
Business Planning, Facility & Process Management Head
Vendor Management Head Process Management Head
Business Planning, Facility & Vendor WNI, 41 tahun
Management Head WNI, 35 tahun
Beliau menjabat sebagai Digital Business
Partnership Head sejak 2024. Sebelumnya
Beliau menjabat sebagai Process
WNI, 52 tahun beliau menjabat sebagai Head of Strategic
Management Head sejak tahun 2022.
Partnership di Sinarmas Multiartha (2022-
Pengalaman bekerja sebelumnya di Bank
Beliau menjabat sebagai Business Planning, 2024), Head of Institutional Partnership
Mega sejak tahun 2011 - 2022 dengan
Facility & Vendor Management Head Bank Jago (2020-2022) dan Head of
berbagai macam jabatan. Posisi terakhir
sejak tahun 2023. Sebelum bergabung Business & Product Development Consumer
adalah Process Improvement Head.
dengan Allo Bank, pengalaman kerja Asset BTPN (2011-2020).
beliau adalah sebagai Operational Planning
Latar belakang pendidikan terakhir beliau
& Performance Management, PT Bank Beliau meraih gelar S2 Business Leadership
adalah S-1 Manajemen, Universitas Trisakti
Maybank Indonesia Tbk. (2019 -2023), dan Executive MBA dari School of Business &
(2011).
Change Management Office Head, PT Bank Management Institut Teknologi Bandung
QNB Indonesia Tbk. (2016 - 2019). pada tahun 2020
Indonesian citizen, 35 years old
Latar belakang pendidikan terakhir
beliau adalah S-1 Akunting, Universitas Indonesian citizen, 41 years old
She has served as Process Management
Gunadarma (1996).
Head since 2022. Her prior work He has served as Digital Business
experience includes various positions at Partnership Head since 2024. Before
Bank Mega from 2011 to 2022, with her last joining Allo Bank, he worked as Head of
Indonesian citizen, 52 years old
role being Process Improvement Head. Strategic Partnership at Sinarmas Multiartha
She has served as Business Planning, (2022–2024), Head of Institutional
She holds a Bachelor’s degree in Partnership at Bank Jago (2020–2022),
Facility & Vendor Management Head since
Management from Trisakti University (2011) and Head of Business & Product
2023. Before joining Allo Bank, she worked
as Operational Planning & Performance Development Consumer Asset at BTPN
Management at PT Bank Maybank (2011–2020).
Indonesia Tbk (2019–2023) and as Change
Management Office Head at PT Bank QNB He earned a Master’s degree in Business
Indonesia Tbk (2016–2019). Leadership Executive MBA program from
the School of Business & Management,
She earned a Bachelor’s degree in Bandung Institute of Technology, in 2020.
Accounting from Gunadarma University in
1996.
2024 Annual Report & Sustainability Report
95
Page 98
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Sonya Virna
Rosmala Medina
Collection Head Enterprise Operational & Market
Collection Head Risk Head
Enterprise Operational & Market Risk Head
WNI, 43 tahun
WNI, 49 tahun
Beliau menjabat sebagai Collection Head
sejak tahun 2022. Sebelum bergabung
Beliau menjabat sebagai Enterprise,
dengan Allo Bank, pengalaman kerja beliau
Operational & Market Risk Head sejak tahun
adalah sebagai Dunner Back End Head,
2021. Sebelum bergabung dengan Allo
Bank Mega (2004 - 2022).
Bank, pengalaman kerja beliau adalah
sebagai Head of Risk & Fraud Management,
Latar belakang pendidikan terakhir beliau
PT. Payfazz Teknologi Nusantara (2020 -
adalah S-1 Manajemen Perusahaan,
2021), dan Operational Risk Management
Universitas Nasional (2003).
Head, Bank UOB (2015 - 2020).
Latar belakang pendidikan terakhir beliau
Indonesian citizen, 43 years old
adalah lulusan S-2 Studi Pembangunan,
Institut Teknologi Bandung (2001).
She has served as Collection Head since
2022. Before joining Allo Bank, her work
experience included serving as Dunner
Indonesian citizen, 49 years old
Back End Head at Bank Mega (2004–
2022).
She has served as Enterprise, Operational &
Market Risk Head since 2021. Before joining
She holds a Bachelor’s degree in Corporate
Allo Bank, she worked as Head of Risk &
Management from National University
Fraud Management at PT Payfazz Teknologi
(2003).
Nusantara (2020–2021) and Operational
Risk Management Head at Bank UOB
(2015–2020).
She earned a Master’s degree in
Development Studies from the Bandung
Institute of Technology (2001).
96 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 99
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Sumber
Daya Manusia Human Resources
Sumber Daya Manusia (SDM) merupakan salah Human Resources (HR) is a critical factor in
satu faktor penting bagi Bank dalam mencapai enabling the Bank to achieve its vision, mission,
Visi, Misi, dan tujuan organisasi. Oleh sebab and organizational goals. As such, the Bank
itu, Bank menempatkan SDM sebagai elemen regards HR as a vital element and strategic
penting dan mitra strategis dalam menjalankan partner in executing its business activities.
kegiatan usaha. Selain menjalankan praktik In addition to adopting best practices, the
terbaik, pengelolaan dan pengembangan management and development of HR
kompetensi SDM Bank juga ditujukan guna competencies are focused on addressing
merespon tantangan bisnis, serta memenuhi business challenges and meeting the demands
tuntutan industri perbankan yang dinamis agar of the dynamic banking industry, ensuring the
dapat menjadi Bank yang kuat dan kompetitif. Bank remains strong and competitive. One of
Salah satu komitmen yang telah dilakukan oleh the Bank’s key commitments is to ensure that
Bank adalah memastikan terpenuhinya seluruh all strategic positions within the organization
posisi strategis di organisasi. are effectively filled.
Demografi Karyawan Employee Demographics
Berdasarkan data periode 31 Desember 2024, As of December 31, 2024, the Bank employed
jumlah karyawan Bank adalah sebanyak 484 484 individuals, with 77.69% of them being
orang dengan komposisi sebanyak 77,69% permanent employees. Compared to the
karyawan permanen. Jika dibandingkan dengan previous year, this represents an approximately
data karyawan tahun sebelumnya, terdapat 21% increase across the organization. This
peningkatan sekitar 21% secara bankwide. growth in employee numbers supports the
Peningkatan jumlah karyawan Bank bertujuan Bank’s business objectives in both Wholesale
untuk mendukung pencapaian target bisnis and Digital segments, particularly by expanding
Bank baik Wholesale maupun Digital yang the workforce focused on achieving digital
didominasi dengan peningkatan jumlah product targets.
karyawan yang berfokus pada pencapaian
target produk digital.
2024 Annual Report & Sustainability Report
97
Page 100
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Untuk memastikan perkembangan bisnis yang berkesinambungan, To ensure sustainable business development, the Bank adopts a
Bank senantiasa mengelola Sumber Daya Manusia (SDM) secara comprehensive approach to managing Human Resources (HR).
menyeluruh, mulai dari proses penerimaan, penilaian kinerja, This includes recruitment, performance assessments, remuneration,
remunerasi, dan pengembangan karier bagi seluruh karyawan and career development for all employees, regardless of ethnicity,
tanpa membedakan suku, agama, ras, golongan, jenis kelamin dan religion, race, social class, gender, or physical condition. Employee
kondisi fisik yang bersangkutan. Adapun demografi karyawan dalam demographic data for recent years is as follows:
beberapa tahun terakhir dapat dilihat sebagai berikut:
Pergerakan Jumlah Karyawan Tahun 2023 – 2024
Changes in the Number of Employees 2023-2024
475 380
2024 2023
Demografi Karyawan Berdasarkan Level Organisasi
Employee Demographics by Organizational Level (orang)
(individuals)
2024 2023
Level Organisasi
Organizational Level Jumlah Komposisi Jumlah Komposisi
Number of People Composition Number of People Composition
Komisaris 3 0,63% 3 0,79%
Commissioners
Anggota Komite Dewan Komisaris 2 0,42% 3 0,79%
Board of Commissioners Committee members
Direktur 5 1,05% 5 1,32%
Directors
Pejabat Eksekutif 32 6,74% 31 8,16%
Executive Officers
Kepala Bagian 58 12,21% 118 31,05%
Unit Leaders
Supervisor 141 29,68% 50 13,16%
Supervisor
Staf/Officer 234 49,26% 170 44,74%
Staff/Officers
Jumlah 475 100,00% 380 100,00%
Total
98 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 101
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Demografi Karyawan Berdasarkan Tingkat Pendidikan
Employee Demographics Based on Educational Level (orang)
(individuals)
2024 2023
Tingkat Pendidikan
Education level Jumlah Komposisi Jumlah Komposisi
Number of People Composition Number of People Composition
Pascasarjana 48 10,11% 35 9,21%
Post Graduate
Sarjana 375 78,95% 308 81,05%
Bachelor’s Degree
Diploma 35 7,37% 28 7,37%
Associate’s Degree
Non-Diploma 17 3,58% 9 2,37%
Non-Associate’s Degree
Jumlah 475 100,00% 380 100,00%
Total
Demografi Karyawan Berdasarkan Status Kepegawaian
Employee Demographics Based on Employment Status (orang)
(individuals)
2024 2023
Status Kepegawaian
Employee Status Jumlah Komposisi Jumlah Komposisi
Number of People Composition Number of People Composition
Karyawan Tetap 371 78,11% 320 84,21%
Permanent Employees
Karyawan Kontrak 104 21,89% 60 15,79%
Contract Employees
Jumlah Karyawan (Tidak Termasuk Outsource) 475 100,00% 380 100,00%
Total Number of Employees (Outsourced
Employees Excluded)
2024 Annual Report & Sustainability Report
99
Page 102
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Demografi Karyawan Berdasarkan Rentang Usia
Employee Demographics Based on Age (orang)
(individuals)
2024 2023
Rentang Usia
Age Jumlah Komposisi Jumlah Komposisi
Number of People Composition Number of People Composition
< 25 tahun 98 20,63% 72 18,95%
< 25 years old
26 s/d 30 tahun 141 29,68% 120 31,58%
26 to 30 years old
31 s/d 40 tahun 158 33,26% 121 31,84%
31 to 40 years old
41 s/d 50 tahun 58 12,21% 45 11,84%
41 to 50 years old
> 50 Tahun 20 4,21% 22 5,79%
> 50 years old
Jumlah 475 100,00% 380 100,00%
Total
Demografi Karyawan Berdasarkan Jenis Kelamin
Employee Demographics Based on Gender (orang)
(individuals)
2024 2023
Jenis Kelamin
Gender Jumlah Komposisi Jumlah Komposisi
Number of People Composition Number of People Composition
Laki-laki 302 63,58% 233 61,32%
Male
Perempuan 173 36,42% 147 38,68%
Female
Jumlah 475 100,00% 380 100,00%
Total
100 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 103
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Pengelolaan
dan Pengembangan
Kompetensi Employee Competency Management
Karyawan and Development
Pengembangan Kompetensi Competency Development in 2024
Karyawan Tahun 2024
Allo Bank memiliki komitmen untuk senantiasa Allo Bank is committed to continuously
mengembangkan kemampuan dan kompetensi developing the capabilities and competencies
masing-masing karyawan agar dapat of each employee in order to face increasingly
menghadapi tantangan bisnis yang semakin competitive business challenges. The Bank has
kompetitif. Bank telah merancang berbagai designed various comprehensive training and
program pelatihan dan sertifikasi secara certification programs throughout 2024.
komprehensif sepanjang tahun 2024.
Dalam rangka membangun tim dan karyawan To build a high-quality and professional team
yang berkualitas dan profesional dalam capable of navigating dynamic business
menghadapi kondisi bisnis yang dinamis, conditions, the Bank consistently implements
Bank secara konsisten melaksanakan program employee education and development
pendidikan dan pengembangan karyawan. programs. These initiatives aim to enhance
Hal tersebut bertujuan untuk meningkatkan competitiveness, improve efficiency, and boost
daya saing dalam menghadapi perkembangan productivity as the Bank adapts to industry
industri serta untuk meningkatkan efisiensi dan advancements.
produktivitas kerja Bank.
Pengembangan kompetensi yang dilakukan The Bank’s competency development efforts
oleh Bank ditujukan untuk meningkatkan hard focus on strengthening both hard and soft skills,
skills dan soft skills dengan memperhatikan ensuring alignment with business development
strategi dalam mengembangkan bisnis agar strategies. This prepares employees to thrive
seluruh karyawan dapat siap menghadapi amid the increasingly competitive banking
persaingan di industri perbankan yang semakin industry.
ketat.
Allo Bank memberikan kesempatan yang sama Allo Bank provides equal opportunities for
kepada seluruh pekerja untuk bisa mewujudkan all employees to contribute to the creation of
organisasi yang inovatif dan adaptif terhadap an innovative and adaptive organization. By
perubahan dengan memberikan seluruh offering all employees opportunities to improve
karyawan kesempatan dalam meningkatkan their quality and capacity, this competency
kualitas dan kapasitasnya. Pengembangan development is expected to enhance the
kompetensi ini diharapkan dapat berdampak quality of digital talents with the ability to create
pada kualitas talenta-talenta digital yang innovative digital products. These goals are
memiliki kemampuan untuk menciptakan achieved through ongoing employee education
inovasi produk digital. Hal tersebut dilakukan and competency development programs.
dengan menjalankan program pendidikan dan
pengembangan kompetensi karyawan secara
berkesinambungan.
2024 Annual Report & Sustainability Report
101
Page 104
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Allo Bank menyelenggarakan program pelatihan yang berkaitan Allo Bank organizes training programs directly related to work
langsung dengan fungsi kerja di unit bisnis dan unit pendukung, functions in business and support units, including training on various
termasuk pelatihan dalam memahami berbagai modul yang terkait modules regarding procedures and policies from regulators. The
prosedur dan kebijakan dari Regulator. Bank juga secara rutin telah Bank has also routinely conducted APU-PPT and PPPSPM training,
menyelenggarakan pelatihan APU-PPT & PPPSPM, strategi anti- anti-fraud strategies, and customer complaint handling to provide
fraud serta penanganan dan penyelesaian pengaduan nasabah agar the latest insights into banking cases, new procedures, and policies.
dapat memberikan wawasan terkini terkait dengan kasus perbankan, Additionally, the Bank periodically monitors the fulfillment and
prosedur dan kebijakan baru. Bank juga melakukan pemantauan maintenance of required competency certifications, such as Risk
secara berkala terhadap pemenuhan sertifikasi kompetensi yang Management Certification (SMR), Payment System and Rupiah
dipersyaratkan dan pemeliharaan sertifikasi kompetensi sesuai Money Management (SPPUR), Treasury Certification, and other
dengan bidangnya, seperti Sertifikasi Manajemen Risiko (SMR), certifications tailored to the Bank’s needs, including certifications
Sistem Pembayaran dan Pengelolaan Uang Rupiah (SPPUR), in IT, Compliance, Cyber and audit-related fields.
Sertifikasi Tresuri, serta sertifikasi lain sesuai dengan kebutuhan
diantaranya sertifikasi di bidang IT, Kepatuhan, Siber dan Audit.
Seluruh karyawan Allo Bank didorong untuk memiliki integritas yang All Allo Bank employees are encouraged to demonstrate high
tinggi, agility dalam bekerja dengan berpegang kepada nilai-nilai integrity and agility in their work, adhering to the Bank’s Core
Inti Bank sebagai pedoman perilaku sehari-hari. Selain itu, seluruh Values as guidelines for daily behavior. Furthermore, the entire
proses pengelolaan SDM di Allo Bank dilandasi pada peraturan HR management process at Allo Bank is conducted in compliance
perundang-undangan dan best practices pada pengelolaan SDM. with laws, regulations, and HR management best practices. These
Komitmen-komitmen tersebut dibuktikan dengan penyelenggaraan commitments are reflected in the implementation of HR training
pelatihan dan pengembangan SDM yang dilakukan dengan and development, which adheres to the training and development
mengacu pada kerangka pelatihan dan pengembangan Standar frameworks of the Indonesian National Work Competency Standards
Kompetensi Kerja Nasional Indonesia (SKKNI) dan Kerangka Kerja (SKKNI) and the Indonesian National Qualification Framework (KKNI)
Nasional Indonesia (KKNI) yang berlaku untuk Perbankan dan applicable to the Banking and Financial Services sectors.
Jasa Keuangan.
Berdasarkan kebijakan pengembangan kompetensi karyawan Based on the employee competency development policy, the
yang dimiliki, Bank telah menyelenggarakan berbagai program Bank has organized various education and training programs for
pendidikan dan pelatihan kepada 439 karyawan atau 93% dari 439 employees, accounting for 93% of the Bank’s total workforce
jumlah karyawan Bank di sepanjang tahun 2024. in 2024.
Jumlah Jam Pelatihan per
Jumlah Karyawan Jumlah Jam Pelatihan Karyawan Jumlah Partisipan Pelatihan
Total Employees Number of Training Hours Training Hours per Number of Participants
Employee
470 1.468 3,3 439
Allo Bank menegaskan komitmennya untuk terus meningkatkan Allo Bank reaffirms its commitment to continuously improving the
kapasitas dan kualitas SDM yang dimiliki. Salah satu upaya capacity and quality of its human resources. One of the Bank's
nyata Bank dalam mewujudkan komitmen ini adalah dengan concrete efforts in realizing this commitment is by allocating a
mengalokasikan anggaran pengembangan kompetensi karyawan budget for employee competency development on an ongoing
secara berkesinambungan. Sejalan dengan pertumbuhan basis. In line with the growth of the Bank's workforce and the
karyawan Bank dan dinamika bisnis yang berkembang, Bank dynamics of its expanding business, the Bank allocated competency
telah merealisasikan biaya pengembangan kompetensi sebesar development costs of Rp4,853,358,083 in 2024, reflecting an
Rp4.853.358.083. di tahun 2024, meningkat 25% dibanding increase of 25% compared to the previous year, which totaled
tahun sebelumnya yang mencapai Rp3.886.029.433. Biaya Rp3,886,029,433. The Bank's competency development costs
pengembangan kompetensi Bank dalam 2 (dua) tahun terakhir over the past two years are as follows:
dapat dilihat sebagai berikut:
102 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 105
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
dalam Rupiah penuh
in full Rupiah
Perbandingan Realisasi 2024 dan 2023
Uraian Comparison of 2023 and 2022
2024 2023
Description Selisih Persentase
Difference Percentage
Pengembangan Kompetensi 4.853.358.083 3.886.029.433 967.328.650 25%
Competency Development
Perbandingan Biaya Pengembangan Kualitas SDM Allo Bank
Comparison of Competency Development Costs
4.853.358.083 3.886.029.433
2024 2023
Kebijakan dan Pelaksanaan Rekrutmen Karyawan Employee Recruitment Policy and Implementation
Selaras dengan perkembangan industri perbankan dan kebutuhan, In line with the development of the banking industry and
Bank senantiasa merekrut SDM yang profesional, berdedikasi its needs, the Bank consistently recruits professional, highly
tinggi, disiplin, tangguh terhadap tantangan, mudah beradaptasi dedicated, disciplined, resilient, adaptable, and competent human
dan memiliki kompetensi unggul. Dengan proses penerimaan atau resources. The recruitment process is conducted professionally
rekrutmen karyawan baik yang sudah berpengalaman maupun for both experienced candidates and fresh graduates, ensuring
yang fresh graduate, secara profesional sesuai dengan bidang- alignment with the company’s specific requirements. The Bank’s
bidang yang ada dalam perusahaan. Bank melakukan proses recruitment process begins with the HR planning stage, which
rekrutmen mulai dari tahap perencanaan SDM yang merupakan involves identifying and evaluating the needs and profiles of human
proses identifikasi dan evaluasi untuk menghitung kebutuhan resources to support the Bank’s objectives. This HR planning
beserta profil SDM untuk mendukung pencapaian tujuan Bank. process considers various factors, including business growth,
Proses perencanaan SDM ini dilakukan dengan mempertimbangkan preparation for retiring employees, promotions, transfers/rotations,
berbagai aspek, seperti pertumbuhan bisnis, persiapan karyawan and employee turnover.
yang pensiun, karyawan yang promosi/mutasi/rotasi dan turnover
karyawan.
Faktor integritas dan rekam jejak juga menjadi perhatian penting In addition to assessing skills and competencies, the Bank places
selain keterampilan dan kompetensi yang dimiliki calon karyawan. strong emphasis on integrity and track record of prospective
Bank secara konsisten menerapkan kebijakan Know Your Employee employees. The Know Your Employee (KYE) policy is consistently
(KYE) pada tahap seleksi dan proses rekrutmen seluruh karyawan. applied at the selection stage and recruitment process of all
employees.
2024 Annual Report & Sustainability Report
103
Page 106
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Penilaian Kinerja dan Potensi Karyawan Performance and Potential Assessment of Employee Bank secara rutin melakukan penilaian (assessment) kepada seluruh The Bank routinely assesses all employees to explore their potential karyawan dalam rangka menggali potensi dan talenta karyawan and talents, which can support the achievement of its established yang dapat mendukung pencapaian tujuan yang telah ditetapkan. goals. These assessments also serve as a basis for determining Assessment ini juga berperan sebagai dasar dalam menentukan employee development and meeting the organization’s needs. To pengembangan dan pengisian kebutuhan organisasi perusahaan. conduct these evaluations, the Bank has established Objectives & Dalam melakukan assessment tersebut, Bank telah merancang Key Results (OKRs), target setting, realization measurement, and Objective & Key Result (OKR), penetapan target, pengukuran monitoring mechanisms. Employee performance and competency realisasi, serta monitoring realisasinya. Penilaian kinerja dan assessments are then used as key considerations for determining kompetensi karyawan kemudian digunakan sebagai pertimbangan remuneration and development, which are implemented fairly and atas remunerasi dan pengembangan karyawan yang dilakukan transparently in accordance with applicable regulations. secara adil dan transparan sesuai dengan ketentuan yang berlaku. Kesejahteraan Karyawan Employee Welfare Menyadari pentingnya talenta yang andal, loyal, dan kompeten Recognizing the importance of reliable, loyal, and competent talents di tengah kondisi bisnis yang dinamis dan persaingan ketat, Bank amidst dynamic business conditions and intense competition, the senantiasa memastikan pengelolaan SDM dapat dilakukan secara Bank ensures that HR management is carried out effectively. This tepat. Upaya ini bertujuan untuk memastikan seluruh talenta Bank effort aims to ensure that all Bank employees maintain high quality memiliki kualitas yang baik dan adaptif di segala kondisi sehingga and adaptability in all conditions, enabling them to accelerate the dapat mengakselerasi pencapaian visi dan misi Bank. achievement of the Bank’s vision and mission. Agar dapat mencapai tujuan tersebut, Bank berupaya untuk To achieve these objectives, the Bank is committed to realizing memastikan terwujudnya kesejahteraan karyawan sebagai employee welfare as a form of appreciation for their contributions bentuk apresiasi terhadap kontribusi karyawan atas pencapaian to the Bank’s performance. The Bank believes that adequate kinerja Bank. Bank percaya bahwa kesejahteraan karyawan yang employee welfare can motivate employees to optimize their abilities memadai mampu mendorong karyawan untuk mengoptimalkan in accordance with their assigned tasks and responsibilities. kemampuannya sesuai dengan tugas dan tanggung jawab yang diemban. Pada pelaksanaannya, program peningkatan kesejahteraan In practice, the Bank’s employee welfare improvement program karyawan yang diterapkan oleh Bank, meliputi remunerasi yang includes competitive remuneration and awards aligned with kompetitif dan penghargaan sesuai dengan kontribusi yang employees’ contributions to the Bank. Remuneration provided to diberikan kepada Bank. Remunerasi yang diterima oleh karyawan employees includes salaries that meet regional minimum wage dapat berupa gaji yang telah memenuhi standar upah minimum standards, opportunities to participate in education and training, and regional, kesempatan mengikuti pendidikan dan pelatihan, serta various other welfare benefits such as health insurance, retirement berbagai fasilitas penunjang kesejahteraan karyawan lain, seperti benefits, and more. jaminan kesehatan, jaminan hari tua dan lain-lain. 104 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 107
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Komposisi
Pemegang Saham Shareholders Composition
Komposisi Kepemilikan Saham Allo Bank Composition of Share Ownership of Allo Bank
Rincian kepemilikan Saham Allo Bank
Details of Allo Bank Share Ownership
2024 2023
Pemegang Saham Persentase Persentase
Shareholder Jumlah Saham Kepemilikan Saham Jumlah Saham Kepemilikan Saham
Total Shares Percentage of Share Total Shares Percentage of Share
Ownership Ownership
PT Mega Corpora 13.228.508.531 60,9% 13.228.508.531 60,9%
PT Bukalapak.com Tbk 2.497.816.903 11,5% 2.497.816.903 11,5%
Abadi Investments Pte Ltd 1.521.117.930 7% 1.521.117.930 7%
PT Indolife Investama Perkasa 1.303.815.386 6% 1.303.815.386 6%
Masyarakat (di bawah 5%) 3.178.997.692 14,6% 3.178.997.692 14,6%
Public (below 5%)
Jumlah 21.730.256.442 100,00% 21.730.256.442 100,00%
Total
PT Mega Corpora PT Indolife Investama Perkasa
60,9% 6%
PT Bukalapak.com Tbk Masyarakat (di bawah 5%)
11,5% Public (below 5%)
14,6%
Abadi Investments Pte. Ltd.
7%
2024 Annual Report & Sustainability Report
105
Page 108
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Komposisi Kepemilikan Saham Allo Bank oleh Dewan Composition of Allo Bank Share Ownership by the
Komisaris dan Direksi Commissioners and Directors
Kepemilikan Saham Allo Bank oleh Dewan Komisaris
dan Direksi Tahun 2024
Share Ownership of Allo Bank by the Board of Commissioners and the Board of Directors in 2024
2024 2023
Nama Jabatan Persentase Persentase
Kepemilikan Kepemilikan
Name Position Jumlah Saham Jumlah Saham
Saham Saham
Total Shares Total Shares
Percentage of Percentage of
Share Ownership Share Ownership
Aviliani Komisaris Utama Independen - - - -
Independent President
Commissioner
Ali Gunawan Komisaris 10.067.300 0,046% 9.868.300 0,045%
Commissioner
Rosmaya Komisaris Independen - - - -
Independent Commissioner
Indra Utoyo Direktur Utama 500.000 0,00% 500.000 0,00%
President Director
Ari Yanuanto Asah Direktur Finance & Operations - - - -
Finance, Operations & Human
Capital Director
Ganda Raharja Rusli Direktur Risiko, Kepatuhan & 62.884 0,00% 47.384 0,00%
Hukum
Risk, Compliance & Legal
Director
Sajal Bhatnagar Direktur Digital - - - -
Digital Director
Arief Tendeas Direktur Business - - - -
Business Director
Jumlah 10.630.184 0,049% 10.415.684 0,048%
Total
106 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 109
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Komposisi Pemegang Saham Allo Bank Berdasarkan Composition of Shareholders of Allo Bank by Status
Status
Rincian Komposisi Pemegang Saham Allo Bank Berdasarkan Status
per 31 Desember 2024
Details of Allo Bank Shareholders Composition Based on Status as of December 31, 2024
2024 2023
Persentase Persentase
Pemegang Saham Kepemilikan Jumlah
Jumlah Jumlah lembar Jumlah Kepemilikan
Saham lembar
Shareholder
Investor saham Investor Saham
Percentage
Total Investors Total Shares Total Investors saham Percentage
of Share
Total Shares of Share
Ownership
Ownership
Pemodal Nasional
National Investor
Kepemilikan Institusi Lokal 54 18.057.241.574 83,10% 52 18.222.578.773 83,86%
Investor of Local Institutions
Kepemilikan Individu Lokal 15.116 1.196.665.227 5,51 % 16.799 1.028.006.928 4,73%
Investor of Local Individual
Pemodal Asing
Foreign Investor
Kepemilikan Institusi Asing 20 37.095.154 0,17 % 36 2.441.305.187 11,23%
Investor of Foreign
Institutions
Kepemilikan Individu Asing 27 2.439.254.487 11,22 % 23 38.365.554 0,18%
Investor of Foreign Individual
Jumlah Keseluruhan 15.217 21.730.256.442 100,00% 16.910 21.730.256.442 100,00%
Total
2024 Annual Report & Sustainability Report
107
Page 110
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Informasi Pemegang Saham Utama/Pengendali Information on Major/Controlling Shareholders Up to
Hingga Nama Pemilik Akhir Last Owner
PT Mega Corpora merupakan pemegang saham pengendali Bank PT Mega Corpora became the controlling shareholder of the
setelah melakukan pengambilalihan saham sebesar 73,71% (tujuh Bank after acquiring 73.71% (seventy-three point seventy-one
puluh tiga koma tujuh puluh satu persen) dari modal ditempatkan percent) of the Bank’s issued and paid-up capital on March 15,
dan disetor Bank pada 15 Maret 2021. Kemudian, Bank melakukan 2021. Subsequently, the Bank changed its business model from
perubahan model bisnis dari bank konvensional menjadi bank a conventional bank to a digitally-based commercial bank, with
umum berbasis digital dengan dukungan dari unit-unit usaha dalam support from business units within and outside the CT Corpora
ekosistem CT Corpora. Pada tanggal 31 Mei 2021 setelah PT Mega ecosystem. On May 31, 2021, after PT Mega Corpora conducted
Corpora melakukan Penawaran Tender Wajib, maka kepemilikan a Mandatory Tender Offer, share ownership in the Bank increased
saham dalam Bank menjadi sebesar 90,00% (sembilan puluh 90.00% (ninety percent).
persen).
Perseroan melakukan Penawaran Umum Terbatas (PUT) II dalam To increase its capital, the Company initiated a Limited Public
rangka penambahan modal dengan menerbitkan Hak Memesan Offering (PUT) II, issuing Pre-emptive Rights (HMETD) to its
Efek Terlebih Dahulu (HMETD) kepada para pemegang saham shareholders totalling 7,498,501,776 ordinary shares, constituting
Perseroan sebanyak 7.498.501.776 saham biasa atas nama atau 64.18% of the issued and fully paid-up capital of the Company
sebesar 64,18% dari modal ditempatkan dan disetor penuh after PUT II, with a nominal value of IDR 100,- per share with an
Perseroan setelah PUT II dengan nilai nominal Rp100,- setiap saham exercise price of Rp 100,-. As a result, the Company received a
dengan harga pelaksanaan Rp100,-, sehingga jumlah dana yang total of Rp 749,850,177,600 in funds from this PUT II.
diterima Perseroan dalam PUT II ini sebesar Rp749.850.177.600.
Perseroan melakukan PUT III dalam rangka penambahan modal The Company conducted PUT III to increase its capital by issuing
dengan menerbitkan Hak Memesan Efek Terlebih Dahulu (HMETD) Pre-emptive Rights (HMETD) to the Company’s shareholders totaling
kepada para pemegang saham Perseroan sebanyak 10.047.322.871 10,047,322,871 ordinary shares in their names or 46.24% of the
saham biasa atas nama atau sebesar 46,24% dari modal issued and fully paid-up capital of the Company after PUT III with
ditempatkan dan disetor penuh Perseroan setelah PUT III dengan nominal value IDR 100 per share with an Exercise Price of IDR
nilai nominal Rp100,- setiap saham dengan Harga Pelaksanaan 478 per share. Consequently, the Company received a total of IDR
Rp478,- per saham, sehingga jumlah dana yang diterima Perseroan 4,802,620,332,338 in funds from this LPO III.
dalam PUT III ini sebesar Rp4.802.620.332.338.
Setelah serangkaian PUT seperti dijabarkan di atas, Pemegang After a series of LPOs as described above, the Main/Controlling
Saham Utama/Pengendali Allo Bank adalah PT Mega Corpora, Shareholder of Allo Bank is PT Mega Corpora, with ownership of
dengan kepemilikan sebesar 60,9% atau 13.228.508.531 lembar 60.9% or 13,228,508,531 shares. Information regarding the main/
saham. Informasi terkait pemegang saham utama/pengendali Allo controlling shareholders of Allo Bank is as follows:
Bank adalah sebagai berikut:
Nama Pemegang Saham PT Mega Corpora
Name of Shareholder
Bidang Usaha Aktivitas Perusahaan Holding (64200); dan Aktivitas Konsultasi Manajemen Lainnya (70209)
Line of Business Holding Company (64200); and Management Consulting (70209)
Alamat Menara Bank Mega Lt.24,
Address Jl. Kapten P. Tendean Kav. 12-14 A
Jakarta Selatan
Telp.: (+6221) 79175533
Persentase Kepemilikan 60,9%
Percentage of Ownership
108 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 111
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
PT Mega Corpora PT Mega Corpora
PT Mega Corpora merupakan perseroan terbatas yang PT Mega Corpora, a limited liability company domiciled in South
berkedudukan di Jakarta Selatan, didirikan berdasarkan Akta Jakarta, was established based on Deed of Establishment No. 53
Pendirian No. 53 tanggal 27 Oktober 1994, yang dibuat di dated October 27, 1994, made before Enimarya Agoes Suwarko,
hadapan Enimarya Agoes Suwarko, S.H., Notaris di Jakarta, dan S.H., Notary in Jakarta, and has been approved by the Ministry of
telah disetujui oleh Menteri Kehakiman dengan Surat Keputusan Justice with Decree No. C2 18944.HT.01.01.TH.94 dated December
No. C2-18944.HT.01.01.TH.94 tanggal 27 Desember 1994 dan 27, 1994 and has been announced in the State Gazette of the
telah diumumkan dalam Berita Negara Republik Indonesia No. 97 Republic of Indonesia No. 97 dated December 3, 1999, Supplement
tanggal 3 Desember 1999, Tambahan No. 8134. Anggaran Dasar No. 8134. The Articles of Association have been amended several
PT Mega Corpora telah mengalami beberapa kali perubahan, times, most recently by Deed No. 11 dated April 21, 2022, made
di mana perubahan terakhir berdasarkan Akta No. 11 tanggal 21 before Dedy Syamri, S.H., Notary in Jakarta, regarding changes to
April 2022, yang dibuat di hadapan Dedy Syamri, S.H., Notaris di the Company’s paid-up capital. This change has been notified to the
Jakarta, antara lain mengenai perubahan modal disetor Perseroan. Directorate General of General Legal Administration of the Ministry
Perubahan ini telah diberitahukan kepada Direktorat Jenderal of Law and Human Rights (“Dirjen AHU”) in Notification Acceptance
Administrasi Hukum Umum Kementerian Hukum dan Hak Asasi Letter No. AHUAH. 01.03-0229746 dated April 22, 2022.
Manusia (“Dirjen AHU”) dengan Surat Penerimaan Pemberitahuan
No. AHU-AH.01.03-0229746 tanggal 22 April 2022.
Kegiatan Usaha Utama PT Mega Corpora Main Business Activities of PT Mega Corpora
Berdasarkan Pasal 3 Anggaran Dasar PT Mega Corpora, maksud Based on Article 3 of the Articles of Association of PT Mega Corpora,
dan tujuan serta kegiatan usaha Perusahaan antara lain: the aims and objectives and business activities of PT Mega Corpora
are as follows:
1. Aktivitas Perusahaan Holding (64200); dan 1. Holding Company Activities (64200); and
2. Aktivitas Konsultasi Manajemen Lainnya (70209). 2. Other Management Consulting Activities (70209).
Saat ini kegiatan usaha utama PT Mega Corpora adalah dalam Currently, the main business core of PT Mega Corpora cover the
bidang aktivitas perusahaan holding melalui pemilikan saham di holding company’s activities through the ownership of shares in
Entitas Anak yang bergerak dalam bidang jasa usaha perbankan, Subsidiaries, which are engaged in banking, financing, securities
pembiayaan, sekuritas dan asuransi. and insurance business services.
Manajemen Kunci PT Mega Corpora per 31 Desember Key Management of PT Mega Corpora as of
2024 December 31, 2024
Dewan Komisaris
Board of Commissioners
Komisaris Utama/Independen Chairul Tanjung
President/Independent Commissioner
Komisaris Zainal Rahman
Commissioner
Direksi
Board of Directors
Direktur Utama Ardhayadi
President Director
Direktur Ali Gunawan
Director
2024 Annual Report & Sustainability Report
109
Page 112
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Struktur Permodalan dan Komposisi Kepemilikan Capital Structure and Share Ownership Composition
Saham PT Mega Corpora of PT Mega Corpora
Berdasarkan Akta No. 11 tanggal 21 April 2022 yang dibuat di Based on Deed No. 11 dated April 21, 2022 made before Dedy Syamri,
hadapan Dedy Syamri, S.H., Notaris di Jakarta atas Pernyataan S.H., Notary in Jakarta regarding the Statement of Shareholders’
Keputusan Para Pemegang Saham terhadap Perubahan Anggaran Decision on Amendment to the Articles of Association of PT Mega
Dasar PT Mega Corpora yang telah diberitahukan kepada Dirjen Corpora which has been notified to the Director General of AHU
AHU dengan Surat Penerimaan Pemberitahuan No. AHU- in Notification Acceptance Letter No. AHU-AH.01.03.0229746
AH.01.03.0229746 tanggal 22 April 2022, struktur permodalan dated April 22, 2022, the capital structure of PT Mega Corpora
PT Mega Corpora dapat dilihat sebagai berikut: is as follows:
Nilai Nominal Rp1.000,- Per Saham
Nominal Value of Rp1,000 Per Share
Jumlah Saham Nilai Nominal %
Total Share Nominal Value
Modal Dasar 2.000.000.000 2.000.000.000.000 -
Authorized Capital
Modal Ditempatkan dan Disetor Penuh
Issued and fully paid capital
PT CT Corpora 1.445.162.557 1.445.162.557.000 99,99
PT Para Rekan Investama 1 1.000 0,01
Jumlah Modal Ditempatkan dan Disetor Penuh 1.445.162.558 1.445.162.558.000 100,00
Total Issued and Fully Paid-up Capital
Saham dalam Portepel 554.837.442 554.837.442.000 -
Shares in Portfolio
Struktur Kepemilikan Pemegang Saham Pengendali
Ownership Structure of Controlling Shareholders
Bpk. Chairul Tanjung
97,60%
PT CT Corpora
99,99%
PT Mega Corpora PT Bukalapak.com Tbk AbadiInvestments Pte. Ltd. APT Indolife Investama Perkasa Masyarakat
Public
60,9% 11,5% 7% 7%
14,6%
PT Allo Bank Indonesia Tbk
110 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 113
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Pemegang Saham Pengendali Bank adalah PT Mega Corpora, The Bank’s Controlling Shareholders are PT Mega Corpora and Mr.
sementara Sdr. Chairul Tanjung adalah ultimate shareholders Chairul Tanjung is the ultimate shareholder of the Bank. Pursuant to
Bank. Sesuai dengan Pasal 18 ayat (3) Peraturan Presiden No. 13 Article 18 paragraph (3) of Presidential Regulation No. 13 of 2018,
Tahun 2018, Sdr. Chairul Tanjung telah dilaporkan sebagai Pemilik Mr. Chairul Tanjung was reported as the Ultimate Beneficiary Owner
Manfaat Akhir pada tanggal 6 April 2021 melalui situs web Direktorat on April 6, 2021 through the website of the Directorate General of
Jenderal Administrasi Hukum Umum Kementerian Hukum dan Hak General Legal Administration, the Ministry of Law and Human Rights
Asasi Manusia Republik Indonesia www.bo.ahu.go.id. of the Republic of Indonesia. The website is at www.bo.ahu.go.id.
Struktur Organisasi Pemegang Saham Pengendali
Organizational Structure of Controlling Shareholders
Dewan Komisaris
Board of Commissioners
Direksi
Board of Directors
Finance Accounting Financial Tax & Litigation Corporate License
Control Custom Legal
Budgeting
Daftar Entitas Anak, Entitas Asosiasi,
Ventura Bersama dan Kerja
Sama Operasi List of Subsidiaries, Associated Entities,
Joint Ventures and Joint Operations
Sampai dengan 31 Desember 2024, Allo Bank tidak memiliki Entitas As of December 31, 2024, Allo Bank had no Subsidiaries, Associated
Anak, Entitas Asosiasi, Ventura Bersama, dan Kerja Sama Operasi. Entities, Joint Ventures, or Joint Operations. Consequently, there
Dengan demikian, tidak terdapat informasi mengenai hal tersebut is no information to report on these matters in this Annual Report.
yang dapat disajikan dalam Laporan Tahunan ini.
2024 Annual Report & Sustainability Report
111
Page 114
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Struktur
Grup Perusahaan Company Group Structure
Manajemen
Data Korpora
Sistem Pembayaran
Digital
Digital Payment
System
CT GLOBAL FINANCE PTE. LTD
GLOBAL AIR PTE. LTD
MINTVILLE CORPORATION
PASIFIC AIR HOLDINGS LTD
FINEGOLD RESOURCES LTD
Keterkaitan Kepengurusan dalam Kelompok Usaha Management Relationships in Bank Business Groups
Bank
Mengacu kepada struktur bisnis PT CT Corpora (“CT Corp”), PT Based on the business structure of PT CT Corpora (“CT Corp”), PT
Mega Corpora merupakan pemegang saham mayoritas PT Allo Bank Mega Corpora is the majority shareholder of PT Allo Bank Indonesia
Indonesia Tbk dan merupakan pilar usaha CT Corp yang membawahi Tbk and is the business pillar of CT Corp which oversees business
unit usaha di sektor keuangan. Posisi PT Mega Corpora bersanding units in the financial sector. Aligned with two other business pillar
sejajar dengan kelompok pilar usaha lainnya, yaitu PT Trans Corpora groups—PT Trans Corpora, operating in the media, lifestyle, and
yang bergerak dalam bidang media, lifestyle, dan entertainment. Kedua entertainment sector, and PT Management Data Corpora. These
kelompok perusahaan tersebut menjalankan aktivitas bisnis dengan two groups of companies conduct business activities in synergy
saling bersinergi di dalam ekosistem CT Corp. within the CT Corp ecosystem.
112 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 115
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Keanggotaan
dalam Asosiasi Membership in Associations
Per 31 Desember 2024, Bank tergabung As of 31 December 2024, the Bank is a member
sebagai anggota di sejumlah asosiasi, antara of a number of associations, including:
lain:
1. Perhimpunan Bank Swasta Nasional 1. National Private Banks Association
(Perbanas) (Perbanas)
2. Asosiasi Sistem Pembayaran Indonesia 2. Indonesian Payment System Association
(ASPI) (ASPI)
3. Forum Komunikasi Direktur Kepatuhan 3. Communication Forum for Director of
Perbankan (FKDKP) Banking Compliance (FKDKP)
4. Lembaga Alternatif Penyelesaian Sengketa 4. Alternative Agencies for Dispute Resolution
Sektor Jasa Keuangan (LAPS SJK) in Financial Services (LAPS SJK)
Kronologis
Penerbitan dan/atau Chronology of Issuance and/
Pencatatan Saham or Share Listing
1. Rencana Go Public Perseroan bermula dari 1. The Company ’s plan to go public
tahun 2014 dan sejak saat itu, Perseroan commenced in 2014 and has since started
mulai melakukan seleksi untuk pemilihan the selection of supporting institutions and
lembaga dan profesi penunjang, termasuk professions, including the amendment of
melakukan perubahan Anggaran Dasar. the Articles of Association.
2. Due Diligence Meeting & Public Expose 2. Due Diligence Meeting & Public Expose
berlangsung pada tanggal 13 Juli 2015 di took place on July 13, 2015 at the Ballroom
Ballroom ASEAN Tower Lantai 9, Pasar Baru of ASEAN Tower 9th Floor, Pasar Baru -
- Jakarta Pusat. Central Jakarta.
3. Pernyataan efektif oleh Pengawas Pasar 3. An effective statement by the Capital
Modal Otoritas Jasa Keuangan diperoleh Market Supervisor of the Financial Services
tanggal 31 Juli 2015. Sedangkan masa Authority was obtained on July 31, 2015.
penawaran umum berlangsung pada Meanwhile, the public offering period lasted
tanggal 4-6 Agustus 2015. from August 4-6, 2015.
4. Dalam penawaran penjatahan pasti 4. Fixed allotment bidding was limited to
(fixed allotment) dibatasi sampai dengan 98% of the total shares offered and the
jumlah sebesar 98% dari jumlah saham remaining 2% will be done by pooling.
yang ditawarkan dan sisanya sebanyak
banyaknya 2% akan dilakukan penjatahan
terpusat (pooling).
5. Pencatatan efektif saham Allo Bank dengan 5. The effective listing of Allo Bank’s shares
kode saham BBHI di BEI dilaksanakan with BBHI’s ticker code on the IDX was
pada tanggal 12 Agustus 2015, dengan carried out on August 12, 2015, by offering
melakukan penawaran saham kepada the public 800,000,000 shares with a
masyarakat sebanyak 800.000.000 saham price of Rp125 per share.
dengan harga Rp125 per lembar saham.
2024 Annual Report & Sustainability Report
113
Page 116
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
6. Pada 14 Juli 2017, Pemegang Saham 6. On July 14, 2017, controlling shareholders
Pengendali (PSP) melakukan Penambahan injected the paid-up capital to the
Modal Tanpa Memberikan Hak Memesan Company after the IPO in the amount of
E f e k Te r l e b i h D a h u l u s e b a n y a k 365,000,000,000 with a price of Rp100
365.000.000 lembar saham dengan harga per share.
Rp100 per lembar saham.
7. Perseroan melakukan Penawaran Umum 7. On July 4, 2018, the Company conducted
Terbatas I pada 4 Juli 2018 dalam rangka Limited Public Offering to increase the
penambahan modal dengan menerbitkan capital, by issuing Pre-emptive Rights to
Hak Memesan Efek Terlebih Dahulu the Company’s shareholders for as many as
(HMETD) kepada para pemegang saham 169,431,795 shares with a price of Rp200
Perseroan sebanyak 169.431.795 saham per share.
dengan harga Rp200 per lembar saham.
8. Perseroan melakukan PUT II pada 14 Juli 8. The Company conducted Limited Public
2021 dalam rangka penambahan modal Offering II on July 14, 2021 to increase the
dengan menerbitkan Hak Memesan Efek capital by issuing Pre-emptive Rights to the
Terlebih Dahulu (HMETD) kepada para Company’s shareholders for as many as
pemegang saham Perseroan sebanyak 7,498,501,776 ordinary shares or 64.18%
7.498.501.776 saham biasa atas nama atau of the issued and fully paid capital of the
sebesar 64,18% dari modal ditempatkan Company after Limited Public Offering II at
dan disetor penuh Perseroan setelah the nominal value of Rp100 per share. Thus,
PUT II dengan nilai nominal Rp100 setiap the amount that the Company received
saham, sehingga jumlah dana yang diterima in this PMHMETD is Rp749,850,177,600.
Perseroan dalam PMHMETD ini sebesar
Rp749.850.177.600.
9. Perseroan melakukan PUT III pada 2022 9. The Company conducted Limited Public
dalam rangka penambahan modal dengan Offering III in 2022 to increase the capital
menerbitkan Hak Memesan Efek Terlebih by issuing Pre emptive Rights to the
Dahulu (HMETD) kepada para pemegang Company’s shareholders for as many as
saham Perseroan sebanyak 10.047.322.871 10,047,322,871 ordinary shares or 46.24%
saham biasa atas nama atau sebesar of the issued and fully paid capital of the
46,24% dari modal ditempatkan dan Company after Limited Public Offering III at
disetor penuh Perseroan setelah PMHMETD the nominal value of Rp100 per share with
III dengan nilai nominal Rp100,- setiap an exercise price of Rp478 per share. Thus,
saham dengan Harga Pelaksanaan Rp478,- the amount that the Company received in
per saham, sehingga jumlah dana yang this PMHMETD III is Rp4,802,620,332,338.
diterima Perseroan dalam PMHMETD III ini
sebesar Rp4.802.620.332.338.
Kronologis Penerbitan
dan/atau Pencatatan
Efek Lainnya Chronology of Issuance and/or Share Listing
Sampai dengan 31 Desember 2024, Bank As of December 31, 2024, Allo Bank did
tidak menerbitkan efek seperti obligasi, sukuk, not issue securities such as bonds, sukuk,
obligasi konversi atau efek lainnya di bursa convertible bonds or other securities on stock
efek manapun, baik yang berada di Indonesia exchanges, both in Indonesia and abroad. Thus,
maupun di luar negeri. Dengan demikian, tidak there is no information regarding this matter
terdapat informasi mengenai hal tersebut yang that can be submitted in this Annual Report.
dapat disajikan dalam Laporan Tahunan ini.
114 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 117
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Lembaga dan/atau
Profesi Penunjang Company’s Supporting Institutions
Perusahaan and/or Professionals
Kantor Akuntan Publik
Public Accounting Firm
Nama Lembaga/Profesi KAP Amir Abadi Jusuf, Aryanto, Mawar & Rekan
Name of Institution/Profession (RSM Indonesia)
Alamat Plaza Asia Level 10
Address Jl. Jend. Sudirman Kav. 59
Jakarta 12190, Indonesia
Telp.: +62 21 5140 1340
Fax.: +62 21 5140 1540
Nama Akuntan Bimo Iman Santoso, S.E., Ak., CPA
Name of Accountant
Izin Akuntan STTD.AP-51/PB.122/2019
Accountant License
Jasa yang Diberikan Mengaudit Laporan Keuangan Bank untuk tahun
Service Provided buku yang berakhir 31 Desember 2024.
Audit Bank’s Financial Statement for the financial
year ends December 31, 2024.
Biaya Jasa Rp950.000.000
Service Fees
2024 Annual Report & Sustainability Report
115
Page 118
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Biro Administrasi Efek
Share Register
Nama Lembaga/Profesi PT Datindo Entrycom
Name of Institution/Profession
Alamat Jl. Hayam Wuruk No. 28
Address Jakarta 10120
Telp.: +62 21 350 8077 (Hunting)
Fax.: +62 21 350 8078
Jasa yang Diberikan Administrasi saham Bank atas data pemegang
Service Provided saham bulanan dan recording date.
Share administration of Bank’s monthly
shareholder data and recording date.
Notaris
Notary
Nama Lembaga/Profesi Kantor Notaris Dharma Akhyuzi
Name of Institution/Profession
Alamat Jl. Otista III No. 117
Address Cipinang Cempedak, Jatinegara
Jakarta 13340, Indonesia
Telp.: +62 21-8515502
Jasa yang Diberikan Pembuatan Akta Rapat Umum Pemegang
Service Provided Saham Tahunan 2024
Preparation of the Deed for the 2024 Annual
General Meeting of Shareholders
Bursa
Exchange
Nama Lembaga/Profesi Bursa Efek Indonesia
Name of Institution/Profession Indonesia Stock Exchange
Alamat Bursa Efek Indonesia Building Tower
Address Jl. Jend Sudirman Kav. 52-53
Jakarta 12190, Indonesia
Jasa yang Diberikan Pencatatan saham Perseroan
Service Provided Listing of Company shares
116 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 119
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Penghargaan
dan Sertifikasi Awards and Certifications
Penghargaan yang Diperoleh Perusahaan di Tahun 2024
Awards Achieved by the Company in 2024
Nama Penghargaan Diberikan Oleh
No. Name of the Award Given By
1. The Highest Digital Index Deposit Conventional Bank 2024 Infobank & Isentia
2. The Best Conventional Bank 2024 Infobank
3. The Best Digital Bank (KBMI 2) 2024 Infobank
4. The 2nd Highest DIgital Index Digital Bank 2024 Infobank
5. The Best Saving Account Conventional Bank (KBMI 2) 2024 Infobank
6. 5th Indonesia Top Bank Awards 2024 in KBMI 2 Category The Iconomics
7. Best Bank 2024: KBMI 2 (Modal Inti Lebih dari Rp6T-Rp14T) investortrust
Best Bank 2024: KBMI 2 (Core Capital More than Rp6T-Rp14T)
8. Top 100 CEO & The 200 Future Leaders Forum 2024 InfoBank
INDRA UTOYO - Banker of the Year 2024
SAJAL BHATNAGAR - Future Leaders of the Year 2024
9. Predicate “Very Good” for Outstanding Digital Innovation 2024 SWA Media Group
Sertifikasi yang Masih Berlaku Hingga Tahun 2024
Certification that Still Valid until 2024
Tanggal Dikeluarkannya
Jenis Sertifikat Dikeluarkan Oleh Masa Berlaku Hingga
Sertifikasi Type of Certificate Issued By Valid Until
Date of Certificate Issuance
28 Juni 2023 ISO/IEC 27001:2022 CBQA Global Indonesia 27 Juni 2026
June 28, 2023 June 27, 2026
14 Februari 2024 ANSI/TIA-942-B-2017 Rated-3 EPI Certification Pte Ltd 13 Februari 2027
February 14, 2024 February 13, 2027
30 Agustus 2024 COBIT 2019 IT Maturity PT Mitratex Konsultan
August 30, 2024
10 Oktober 2024 Rating Korporasi dengan PT Pemeringkat Efek Indonesia 1 Oktober 2025
October 10, 2024 peringkat “idA” dengan prospek (Pefindo) October 1, 2025
Stabil
Corporate Rating with “idA”
rating with Stable prospects
2024 Annual Report & Sustainability Report
117
Page 120
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Informasi pada Situs Web Perusahaan Information on the Company Website Allo Bank berkomitmen untuk senantiasa menerapkan prinsip- Allo Bank is committed to upholding the principles of transparency prinsip transparansi dan keterbukaan informasi bagi publik dengan and openness by providing an official website as a medium for menyediakan situs web resmi sebagai media komunikasi informasi communicating the latest information at www.allobank.com. The terbaru dengan alamat www.allobank.com. Informasi yang tersedia information available on the Bank’s official website is accessible pada situs web resmi Bank dapat diakses secara terbuka, kapan openly, anytime and anywhere, and is designed to be user-friendly, saja, dan di mana saja, serta mudah dan sederhana dengan tujuan aiming to provide comprehensive, accurate, and up-to-date memberikan informasi yang komprehensif, akurat dan aktual tentang details about the Bank to the broader public. The Bank’s official Bank kepada khalayak luas. Situs web resmi Bank yang disajikan website, presented in two languages, Indonesian and English,also dengan dua bahasa, yaitu bahasa Indonesia dan bahasa Inggris, complies with the Financial Services Authority Regulation (POJK) juga telah sesuai dengan Peraturan Otoritas Jasa Keuangan (POJK) No. 8/POJK.4/2015 concerning the Websites of Issuers or Public No. 8/POJK.4/2015 tentang Situs Web Emiten atau Perusahaan Companies. This regulation requires the disclosure of the following Publik, yang mewajibkan menyampaikan informasi mengenai: information: 1. Informasi Umum Emiten atau Perusahaan Publik; 1. General Information of Issuers or Public Companies; 2. Informasi bagi Pemodal atau Investor; 2. Information for Investors; 3. Informasi Tata Kelola Perusahaan. 3. Corporate Governance Information. 118 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 121
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Ketersediaan Informasi pada Situs Web Perusahaan The Availability of Information on the Company’s
Berdasarkan POJK No. 8/POJK.4/2015 Website Based on POJK No. 8/POJK.4/2015
Uraian Ketersediaan Keterangan
Description Availability Website Address
Informasi pemegang saham sampai dengan pemilik akhir
individu
✓ https://www.allobank.com/about-us/investor-relations
Shareholder information including last owner
Isi Kode Etik
Code of Conduct
✓ https://www.allobank.com/about-us/investor-relations
Informasi Rapat Umum Pemegang Saham (RUPS) paling
kurang meliputi bahan mata acara yang dibahas dalam
✓ https://www.allobank.com/about-us/investor-relations
RUPS, ringkasan risalah RUPS, dan informasi tanggal
penting yaitu tanggal pengumuman RUPS, tanggal
pemanggilan RUPS, tanggal RUPS, tanggal ringkasan
risalah RUPS diumumkan
Information on the General Meeting of Shareholders (GSM),
includes agenda items discussed at the GMS, the minutes of
GMS and information on important dates, namely the date
of the announcement of the GMS, the date of the summons
for the GMS, the date of the GMS, the date of the summary
of the minutes of the GMS is announced.
Laporan Keuangan Tahunan (5 tahun terakhir)
Annual Financial Report (the last 5 years)
✓ https://www.allobank.com/about-us/investor-relations
Profil Dewan Komisaris dan Direksi
Profiles of the Board of Commissioners and Directors
✓ https://www.allobank.com/about-us/profiles
Piagam Dewan Komisaris, Direksi, Komite-komite, dan
Satuan Kerja Audit Internal
✓ https://www.allobank.com/about-us/investor-relations
Charters of the Board of Commissioners, Board of
Directors, Committees, and Internal Audit Unit
Informasi keterbukaan informasi lainnya
Other disclosure Information
✓ https://www.allobank.com/about-us/investor-relations
✓ = tersedia pada situs web Perusahaan/ available on the Company’s website
× = belum tersedia pada situs web Perusahaan/ not available on the Company’s website
Semua informasi yang disajikan dalam website Bank senantiasa All information presented on the Bank’s website is regularly updated
diperbaharui secara berkala untuk memberikan informasi terupdate to provide updated information for all stakeholders and the public.
bagi segenap pemangku kepentingan maupun masyarakat The Bank also has social media accounts as part of information
umum. Bank juga memiliki akun media sosial sebagai bagian dari disclosure and communication to all stakeholders, including
keterbukaan informasi dan komunikasi kepada seluruh pemangku Facebook, Instagram, Tiktok, Twitter/X and Youtube.
kepentingan, di antaranya Facebook, Instagram, Tiktok, Twitter/X,
dan Youtube.
2024 Annual Report & Sustainability Report
119
Page 122
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Pendidikan dan/atau Pelatihan
Dewan Komisaris, Direksi,
Komite-Komite, Education and/or Training for
Sekretaris Perusahaan Board of Commissioners, Board of
Directors, Committees, Corporate
dan Unit Audit Internal Secretary, and Internal Audit Unit
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
Dewan Komisaris
Board of Commissioners
Aviliani In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 7 Februari 2024 PT Garda Multi
Risk Management Certification Briefing – Level 6 (LSP LSPP) February 7, 2024 Talenta
In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 12 Februari 2024 Allo Bank
Risk Management Certification Briefing – Level 6 (LSP LSPP) February 12, 2024
In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 21 Februari 2024 Allo Bank
Risk Management Certification Briefing – Level 6 (LSP LSPP) February 21, 2024
In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 28 Februari 2024 Allo Bank
Risk Management Certification Briefing – Level 6 (LSP LSPP) February 28, 2024
Off House Uji Kompetensi Manajemen Risiko Perbankan - Skema 28 Maret 2024 LSP LSPP
Sertifikasi KKNI Kualifikasi 6 LSP LSPP March 28, 2024
Banking Risk Management Competency Test - KKNI
Certification Qualification Level 6 (LSP LSPP)
In House Allo Bank Forum 2024 20 Mei 2024 Allo Bank
Allo Bank Forum 2024 May 20, 2024
In House Sosialisasi Penerapan Program APU PPT & PPPSPM 12 September 2024 PPATK
Socialization of the implementation of the AML-CTF & CPF September 12, 2024
Program
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely or Risk It All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
Off House Seminar Penyelarasan Manajemen Risiko Bagi Komisaris 16 Oktober 2024 Bankers
Jenjang 6 October 16, 2024 Association for
Risk Management Alignment Seminar for Commissioners - Risk Management
Level 6 - BARA
120 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 123
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
Rosmaya In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 7 Februari 2024 PT Garda Multi
Risk Management Certification Briefing – Level 6 (LSP LSPP) February 7, 2024 Talenta
In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 12 Februari 2024 Allo Bank
Risk Management Certification Briefing – Level 6 (LSP LSPP) February 12, 2024
In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 21 Februari 2024 Allo Bank
Risk Management Certification Briefing – Level 6 (LSP LSPP) February 21, 2024
In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 28 Februari 2024 Allo Bank
Risk Management Certification Briefing – Level 6 (LSP LSPP) February 28, 2024
Off House Uji Kompetensi Manajemen Risiko Perbankan - Skema 27 Maret 2024 LSP LSPP
Sertifikasi KKNI Kualifikasi 6 LSP LSPP March 27, 2024
Banking Risk Management Competency Test - KKNI
Certification Qualification Level 6 (LSP LSPP)
In House Sosialisasi Tentang Perubahan Kedua UU Informasi dan 2 Mei 2024 Kementerian
Transaksi Elektronik dan Perkembangan RPP Pelindungan Data May 02, 2024 Komunikasi
Pribadi dan Informatika
Socialization on the Second Amendment to the Electronic Republik Indonesia
Information and Transactions Law and the Development of the The Ministry of
Personal Data Protection RPP Communications
and Information
Technology of
the Republic of
Indonesia
In House Allo Bank Forum 2024 20 Mei 2024 Allo Bank
Allo Bank Forum 2024 May 20, 2024
In House Sosialisasi Penerapan Program APU PPT & PPPSPM 12 September 2024 PPATK
Socialization of the implementation of the AML-CTF & CPF September 12, 2024
Program
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely Or Risk It All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
Off House Seminar Penyelarasan Manajemen Risiko Bagi Komisaris 16 Oktober 2024 Bankers
Jenjang 6 October 16, 2024 Association for
Risk Management Alignment Seminar for Commissioners - Risk Management
Level 6 - BARA
Ali In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 7 Februari 2024 PT Garda Multi
Gunawan Risk Management Certification Briefing – Level 6 (LSP LSPP) February 07, 2024 Talenta Lista Irna
In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 12 Februari 2024 Allo Bank
Risk Management Certification Briefing – Level 6 (LSP LSPP) February 12, 2024
In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 21 Februari 2024 Allo Bank
Risk Management Certification Briefing – Level 6 (LSP LSPP) February 21, 2024
In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 28 Februari 2024 Allo Bank
Risk Management Certification Briefing – Level 6 (LSP LSPP) February 28, 2024
Off House Uji Kompetensi Manajemen Risiko Perbankan - Skema 27 Maret 2024 LSP LSPP
Sertifikasi KKNI Kualifikasi 6 LSP LSPP March 27, 2024
Banking Risk Management Competency Test - KKNI
Certification Qualification Level 6 (LSP LSPP)
In House Sosialisasi Penerapan Program APU PPT & PPPSPM 12 September 2024 PPATK
Socialization of the implementation of the AML-CTF & CPF September 12, 2024
Program
2024 Annual Report & Sustainability Report
121
Page 124
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely or Risk It All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
Off House Seminar Penyelarasan Manajemen Risiko Bagi Komisaris 16 Oktober 2024 Bankers
Jenjang 6 October 16, 2024 Association for
Risk Management Alignment Seminar for Commissioners - Risk Management
Level 6 - BARA
Direksi
Board of Directors
Indra Utoyo In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 7 LSP LSPP 15 Februari 2024 Efektifpro
Risk Management Certification Briefing – Level 7 (LSP LSPP) February 15, 2024
Off House Uji Kompetensi Resertifikasi Manajemen Risiko Perbankan - 1 Maret 2024 LSP LSPP
Skema Sertifikasi KKNI Kualifikasi 7 LSP LSPP March 01, 2024
Banking Risk Management Competency Test - KKNI
Certification Qualification Level 7 (LSP LSPP)
In House Sosialisasi Tentang Perubahan Kedua UU Informasi Dan 2 Mei 2024 Kementerian
Transaksi Elektronik dan Perkembangan RPP Pelindungan Data May 02, 2024 Komunikasi
Pribadi dan Informatika
Socialization on the Second Amendment to the Electronic Republik Indonesia
Information and Transactions Law and the Development of the The Ministry of
Personal Data Protection RPP Communications
and Information
Technology of
the Republic of
Indonesia
In House Security Awareness ISO/IEC 27001:2022 2 Mei 2024 PT Nalar Teknologi
Security Awareness ISO/IEC 27001:2022 May 02, 2024 Orkestrator
In House Allo Bank Forum 2024 20 Mei 2024 Allo Bank
Allo Bank Forum 2024 May 20, 2024
Off House Seminar Penyelarasan Jenjang 7 Bagi Direksi Sertifikasi 8 Agustus 2024 Bankers
Manajemen Risiko August 08, 2024 Association for
Risk Management Certification Level 7 - Alignment Seminar for Risk Management
Directors - BARA
Off House Analisis Risiko Siber dan Digital Trust pada Perbankan 5 September 2024 Otoritas Jasa
Serta Optimalisasi Penggunaan Artificial Intelligence dalam September 05, Keuangan
Mendukung Kegiatan Pengawasan Perbankan 2024
Cyber Risk Analysis and Digital Trust in Banking and Optimizing
the Use of Artificial Intelligence in Supporting Banking
Supervision Activities
In House Sosialisasi Penerapan Program APU PPT & PPPSPM 12 September 2024 PPATK
Socialization of the implementation of the AML-CTF & CPF September 12, 2024
Program
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely or Risk IT All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
In House Table Top Penyelenggaraan Pengujian Crisis Management Plan 13 Desember 2024 Allo Bank
Table Top - Implementation of Crisis Management Plan Testing December 13, 2024
122 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 125
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
Ari In House Refreshment Program Pengkinian Sertifikasi Manajemen Risiko 19 Januari 2024 Efektifpro
Yanuanto Jenjang 7 LSP LSPP January 19, 2024
Asah Refreshment Program for Updating Risk Management
Certification - Level 7 (LSP LSPP)
Off House Uji Kompetensi Resertifikasi Manajemen Risiko Perbankan - 23 Februari 2024 LSP LSPP
Skema Sertifikasi KKNI Kualifikasi 7 LSP LSPP February 23, 2024
Banking Risk Management Competency Test - KKNI
Certification Qualification Level 7 (LSP LSPP)
In House Sosialisasi Tentang Perubahan Kedua UU Informasi Dan 2 Mei 2024 Kementerian
Transaksi Elektronik dan Perkembangan RPP Pelindungan Data May 02, 2024 Komunikasi
Pribadi dan Informatika
Socialization on the Second Amendment to the Electronic Republik Indonesia
Information and Transactions Law and the Development of the The Ministry of
Personal Data Protection RPP Communications
and Information
Technology of
the Republic of
Indonesia
In House Security Awareness ISO/IEC 27001:2022 2 Mei 2024 PT Nalar Teknologi
Security Awareness ISO/IEC 27001:2022 May 02, 2024 Orkestrator
In House Allo Bank Forum 2024 20 Mei 2024 Allo Bank
Allo Bank Forum 2024 May 20, 2024
Off House Seminar Penyelarasan Jenjang 7 bagi Direksi Sertifikasi 8 Agustus 2024 Bankers
Manajemen Risiko August 08, 2024 Association for
Risk Management Certification Level 7 - Alignment Seminar for Risk Management
Directors - BARA
In House Sosialisasi Penerapan Program APU PPT & PPPSPM 12 September 2024 PPATK
Socialization of the implementation of the AML-CTF & CPF September 12, 2024
Program
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely or Risk IT All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
Off House Refreshment Treasury J7 12 Oktober 2024 ACI Financial
Refreshment Treasury J7 October 12, 2024 Markets Association
In House Table Top Penyelenggaraan Pengujian Crisis Management Plan 13 Desember 2024 Allo Bank
Table Top - Implementation of Crisis Management Plan Testing December 13, 2024
2024 Annual Report & Sustainability Report
123
Page 126
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
Arief In House Refreshment Program Pengkinian Sertifikasi Manajemen Risiko 19 Januari 2024 Efektifpro
Tendeas Jenjang 7 LSP LSPP January 19, 2024
Refreshment Program for Updating Risk Management
Certification - Level 7 (LSP LSPP)
Off House Uji Kompetensi Resertifikasi Manajemen Risiko Perbankan - 23 Februari 2024 LSP LSPP
Skema Sertifikasi KKNI Kualifikasi 7 LSP LSPP February 23, 2024
Banking Risk Management Competency Test - KKNI
Certification Qualification Level 7 (LSP LSPP)
In House Sosialisasi Tentang Perubahan Kedua UU Informasi dan 2 Mei 2024 Kementerian
Transaksi Elektronik dan Perkembangan RPP Pelindungan Data May 02, 2024 Komunikasi
Pribadi dan Informatika
Socialization on the Second Amendment to the Electronic Republik Indonesia
Information and Transactions Law and the Development of the The Ministry of
Personal Data Protection RPP Communications
and Information
Technology of
the Republic of
Indonesia
In House Security Awareness ISO/IEC 27001:2022 2 Mei 2024 PT Nalar Teknologi
Security Awareness ISO/IEC 27001:2022 May 02, 2024 Orkestrator
In House Allo Bank Forum 2024 20 Mei 2024 Divisi HCSS
Allo Bank Forum 2024 May 20, 2024
Off House Seminar Penyelarasan Jenjang 7 Bagi Direksi Sertifikasi 4 September 2024 Bankers
Manajemen Risiko September 04, Association for
Risk Management Certification Level 7 - Alignment Seminar for 2024 Risk Management
Directors - BARA
In House Sosialisasi Penerapan Program APU PPT & PPPSPM 12 September 2024 PPATK
Socialization of the implementation of the AML-CTF & CPF September 12, 2024
Program
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely or Risk IT All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
In House Table Top Penyelenggaraan Pengujian Crisis Management Plan 13 Desember 2024 Allo Bank
Table Top - Implementation of Crisis Management Plan Testing December 13, 2024
124 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 127
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
Sajal In House Refreshment Program Pengkinian Sertifikasi Manajemen Risiko 19 Januari 2024 Efektifpro
Bhatnagar Jenjang 7 LSP LSPP January 19, 2024
Refreshment Program for Updating Risk Management
Certification - Level 7 (LSP LSPP)
Off House Uji Kompetensi Resertifikasi Manajemen Risiko Perbankan - 23 Februari 2024 LSP LSPP
Skema Sertifikasi KKNI Kualifikasi 7 LSP LSPP February 23, 2024
Banking Risk Management Competency Test - KKNI
Certification Qualification Level 7 (LSP LSPP)
In House Allo Bank Forum 2024 20 Mei 2024 Allo Bank
Allo Bank Forum 2024 May 20, 2024
Off House Seminar Penyelarasan Jenjang 7 Bagi Direksi Sertifikasi 8 Agustus 2024 Bankers
Manajemen Risiko August 08, 2024 Association for
Risk Management Certification Level 7 - Alignment Seminar for Risk Management
Directors - BARA
In House Sosialisasi Penerapan Program APU PPT & PPPSPM 12 September 2024 PPATK
Socialization of the implementation of the AML-CTF & CPF September 12, 2024
Program
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely Or Risk IT All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
In House Table Top Penyelenggaraan Pengujian Crisis Management Plan 13 Desember 2024 Allo Bank
Table Top - Implementation of Crisis Management Plan Testing December 13, 2024
2024 Annual Report & Sustainability Report
125
Page 128
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
Ganda In House Refreshment Program Pengkinian Sertifikasi Manajemen Risiko 19 Januari 2024 Efektifpro
Raharja Jenjang 7 LSP LSPP January 19, 2024
Rusli Refreshment Program for Updating Risk Management
Certification - Level 7 (LSP LSPP)
Off House Uji Kompetensi Resertifikasi Manajemen Risiko Perbankan - 23 Februari 2024 LSP LSPP
Skema Sertifikasi KKNI Kualifikasi 7 LSP LSPP February 23, 2024
Banking Risk Management Competency Test - KKNI
Certification Qualification Level 7 (LSP LSPP)
In House Sosialisasi Tentang Perubahan Kedua UU Informasi dan 2 Mei 2024 Kementerian
Transaksi Elektronik dan Perkembangan RPP Pelindungan Data May 02, 2024 Komunikasi
Pribadi dan Informatika
Socialization on the Second Amendment to the Electronic Republik Indonesia
Information and Transactions Law and the Development of the The Ministry of
Personal Data Protection RPP Communications
and Information
Technology of
the Republic of
Indonesia
In House Security Awareness ISO/IEC 27001:2022 2 Mei 2024 PT Nalar Teknologi
Security Awareness ISO/IEC 27001:2022 May 02, 2024 Orkestrator
Off House Rembuk Nasional 6 Juni 2024 PPATK
National Deliberation June 06, 2024
Off House Peluncuran dan Penjelasan Pelaksanaan FIR On ML/TF Tahun 20 Agustus 2024 PPATK
2024 August 20, 2024
Launch and Explanation of the 2024 FIR on ML/TF
Implementation
Off House Seminar Penyelarasan Jenjang 7 Bagi Direksi Sertifikasi 4 September 2024 Bankers
Manajemen Risiko Septembeer 04, Association for
Risk Management Certification Level 7 - Alignment Seminar for 2024 Risk Management
Directors - BARA
Off House Sosialisasi Komitmen Dan Tindak Lanjut Rembuk Nasional 6 September 2024 FKDKP
PPATK dan FKDKP September 06,
Socialization of Commitments and Follow-up Actions of the 2024
PPATK and FKDKP National Deliberation
In House Sosialisasi Penerapan Program APU PPT & PPPSPM 12 September 2024 PPATK
Socialization of the implementation of the AML-CTF & CPF September 12, 2024
Program
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely Or Risk IT All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
Off House Talkshow FKDP & Penanaman Pucuk Bambu Berkelanjutan 31 Oktober 2024 FKDKP
FKDP Talkshow & Sustainable Bamboo Shoot Planting October 31, 2024
Off House Seminar Memerangi Judi Online dan Kejahatan Baru Era 19 November 2024 PT Visionet Data
Ekonomi Digital 5.0 November 19, 2024 Internasional - OVO
Seminar on Fighting Online Gambling and Emerging Crimes in
the Digital Economy 5.0 Era
126 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 129
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
Off House Sharing Session Rakornas Dukcapil Dengan Lembaga Pusat 20 November 2024 Kementerian Dalam
2024 November 20, 2024 Negeri Republik
Sharing Session on the 2024 Dukcapil National Coordination Indonesia
Meeting with Central Agencies The Ministry of
Home Affairs of
the Republic of
Indonesia
Off House Diseminasi Hasil Penilaian Financial Integrity Rating on Money 11 Desember 2024 PPATK
Laundering And Terrorist Financing FIR On MLTF Tahun 2024 December 11, 2024
Dissemination of the Results of the Financial Integrity Rating
on Money Laundering and Terrorist Financing FIR on MLTF in
2024
In House Table Top Penyelenggaraan Pengujian Crisis Management Plan 13 Desember 2024 Allo Bank
Table Top - Implementation of Crisis Management Plan Testing December 13, 2024
Komite
Audit
Audit
Committee
Siswandi In House Refreshment Program Pengkinian Sertifikasi Manajemen Risiko 31 Januari 2024 Efektifpro
Pujo Jenjang 5 & 6 LSP BSMR January 31, 2024
Sasongko Refreshment Program for Updating Risk Management
Certification - Level 5 & 6 (LSP BSMR)
In House Uji Resertifikasi Manajemen Risiko Jenjang 5 LSP BSMR 22 Februari 2024 LSP BSMR
Risk Management Recertification Test – Level 5 (LSP BSMR) February 22, 2024
In House Sosialisasi Tentang Perubahan Kedua Uu Informasi dan 22 Mei 2024 Kementerian
Transaksi Elektronik dan Perkembangan RPP Pelindungan Data May 22, 2024 Komunikasi
Pribadi dan Informatika
Socialization on the Second Amendment to the Electronic Republik Indonesia
Information and Transactions Law and the Development of the The Ministry of
Personal Data Protection RPP Communications
and Information
Technology of
the Republic of
Indonesia
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely Or Risk It All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
2024 Annual Report & Sustainability Report
127
Page 130
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
Komite Remunerasi dan Nominasi
Remuneration and Nomination Committee
Netty In House Sosialisasi Kebijakan Pengembangan Sistem TI (SDLC) 25 Januari 2024 Allo Bank
Delima Socialization of IT System Development Policy (SDLC) January 25, 2024
Simanjuntak
In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 4 LSP BSMR 29 Januari 2024 Efektifpro
Risk Management Certification Briefing – Level 4 (LSP BSMR) January 29, 2024
In House Uji Sertifikasi Manajemen Risiko Jenjang 4 LSP BSMR 20 Februari 2024 LSP BSMR
Risk Management Certification Test – Level 4 (LSP BSMR) February 20, 2024
In House Allo Talks: Business Outlook 2024 Winning The Challenge To 23 Februari 2024 BOC Allo Bank
Accelerate Growth February 23, 2024 Aviliani
Allo Talks: Business Outlook 2024 Winning The Challenge To
Accelerate Growth
Off House Sosialisasi Persiapan Program Penyelarasan Sertifikasi 5 Maret 2024 PERBANAS
Manajemen Risiko bagi Direksi dan Dewan Komisaris March 5, 2024
Socialization of Preparation of Risk Management Certification
Alignment Program for Board of Directors and Board of
Commissioners
In House Sharing Session Core Values Allo Bank 21 Maret 2024 Direktur Utama
Sharing Session Core Values Allo Bank March 21, 2024 Indra Utoyo
President Director
Indra Utoyo
In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 5 LSP BSMR 29 April 2024 RDS Consultants
Risk Management Certification Briefing – Level 5 (LSP BSMR) April 29, 2024
In House Sosialisasi Tentang Perubahan Kedua UU Informasi dan 2 Mei 2024 Kementerian
Transaksi Elektronik dan Perkembangan RPP Pelindungan Data May 2, 2024 Komunikasi
Pribadi dan Informatika
Socialization on the Second Amendment to the Electronic Republik Indonesia
Information and Transactions Law and the Development of the
Personal Data Protection RPP The Ministry of
Communications
and Information
Technology of
the Republic of
Indonesia
In House Security Awareness ISO/IEC 27001:2022 2 Mei 2024 PT Nalar Teknologi
Security Awareness ISO/IEC 27001:2022 May 2, 2024 Orkestrator
In House Allo Bank Forum 2024 20 Mei 2024 Allo Bank
Allo Bank Forum 2024 May 20, 2024
Off House Uji Sertifikasi Manajemen Risiko Jenjang 5 LSP BSMR 29 Mei 2024 LSP BSMR
Risk Management Certification Test – Level 5 (LSP BSMR) May 29, 2024
Off House Pra Konvensi Rancangan Standar Kompetensi Kerja Nasional 4 Juni 2024 Otoritas Jasa
Indonesia (SKKNI) Bidang Manajemen Risiko Perbankan June 4, 2024 Keuangan
Pre-Convention of Draft Indonesian National Work
Competency Standards (SKKNI) in the Field of Banking Risk Financial Services
Management Authority
Off House Webinar Membangun Kepemimpinan Berbasis Spiritual 22Agustus 2024 Otoritas Jasa
Pendekatan Holistik Untuk Pertumbuhan dan Keberlanjutan August 22, 2024 Keuangan
Bisnis Financial Services
Webinar Building Spiritual-Based Leadership a Holistic Authority
Approach to Business Growth and Sustainability
128 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 131
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
In House Sosialisasi Penerapan Program APU PPT & PPPSPM 12 September 2024 PPATK
Socialization of the implementation of the AML-CTF & CPF September 12, 2024
Program
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely Or Risk It All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
Off House WTW Human Capital Masterclass: Reward Concept 15 Oktober 2024 Willis Towers
WTW Human Capital Masterclass: Reward Concept October 15, 2024 Watson
Off House WTW Human Capital Masterclass Reward Series: Salary 17 Oktober 2024 Willis Towers
Structure October 17, 2024 Watson
WTW Human Capital Masterclass Reward Series: Salary
Structure
Off House Pembekalan Sppur J6 Pengelolaan Transfer Dana 23 Oktober 2024 IBI BCC
Briefing on SPPUR J6 for Fund Transfer Management October 23, 2024
Inhouse Allo Team Building (Allo Temu) 7 Desember 2024 Allo Bank
Allo Team Building (Allo Temu) December 7, 2024
In House Table Top Penyelenggaraan Pengujian Crisis Management Plan 13 Desember 2024 Allo Bank
Table Top - Implementation of Crisis Management Plan Testing December 13, 2024
Komite Pemantau Risiko
Risk Oversight Committee
Lista Irna Off House Uji Kompetensi Manajemen Risiko Perbankan - Skema 13 Januari 2024 LSP LSPP
Sertifikasi KKNI Kualifikasi 7 LSP LSPP January 13, 2024
Banking Risk Management Competency Test - KKNI
Certification Qualification Level 7 (LSP LSPP)
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely Or Risk It All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
Sekretaris Perusahaan
Corporate Secretary
Stacey In House Sosialisasi Kebijakan Pengembangan Sistem TI (SDLC) 25 Januari 2024 Allo Bank
Aryadi Socialization of IT System Development Policy (SDLC) January 25, 2024
Suryoputro
In House Refreshment Program Pengkinian Sertifikasi Manajemen Risiko 31 Januari 2024 Efektifpro
Jenjang 5 & 6 LSP BSMR January 31, 2024
Refreshment Program for Updating Risk Management
Certification - Level 5 & 6 (LSP BSMR)
In House Uji Resertifikasi Manajemen Risiko Jenjang 5 LSP BSMR 22 Februari 2024 LSP BSMR
Risk Management Recertification Test – Level 5 (LSP BSMR) February 22, 2024
In House Allo Talks: Business Outlook 2024 Winning The Challenge To 23 Februari 2024 BOC Allo Bank
Accelerate Growth February 23, 2024 Aviliani
Allo Talks: Business Outlook 2024 Winning The Challenge To
Accelerate Growth
In House Strategic Objectives 2024 Driving Towards Allo Bank 2.0 7 Maret 2024 Manajemen Allo
Strategic Objectives 2024 Driving Towards Allo Bank 2.0 March 7, 2024 Bank
Allo Bank
Management
2024 Annual Report & Sustainability Report
129
Page 132
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
In House Sosialisasi Tentang Perubahan Kedua Uu Informasi Dan 2 Mei 2024 Kementerian
Transaksi Elektronik Dan Perkembangan RPP Pelindungan May 2, 2024 Komunikasi
Data Pribadi dan Informatika
Socialization on the Second Amendment to the Electronic Republik Indonesia
Information and Transactions Law and the Development of the The Ministry of
Personal Data Protection RPP Communications
and Information
Technology of
the Republic of
Indonesia
In House Security Awareness ISO/IEC 27001:2022 2 Mei 2024 PT Nalar Teknologi
Security Awareness ISO/IEC 27001:2022 May 2, 2024 Orkestrator
In House Allo Bank Forum 2024 20 Mei 2024 Allo Bank
Allo Bank Forum 2024 May 20, 2024
Off House Sosialisasi Peraturan Otoritas Jasa Keuangan POJK 30 2023 14 Juni 2024 Otoritas Jasa
dan 6 2024 June 14, 2024 Keuangan
Socialization of Financial Services Authority Regulation POJK Financial Services
30 2023 and 6 2024 Authority
In House Pelatihan Persiapan Implementasi Rekening Dana Nasabah 12 Juli 2024 Allo Bank
Customer Fund Account Implementation Preparation Training July 12, 2024
Off House Sosialisasi dan Pelaksanaan Kegiatan Bulan Inklusi Keuangan 29 Agustus 2024 Otoritas Jasa
2024 August 29, 2024 Keuangan
Socialization and Implementation of Activities for the 2024 Financial Services
Financial Inclusion Month Authority
In House Sosialisasi Penerapan Program APU PPT & PPPSPM 12 September 2024 PPATK
Socialization of the implementation of the AML-CTF & CPF September 12, 2024
Program
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely Or Risk It All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
Off House Diseminasi Riset Kolaborasi OJK Institute dan UNPE FI 5 Desember 2024 Otoritas Jasa
Dissemination of Collaborative Research between OJK Institute December 5, 2024 Keuangan
and UNPE FI Financial Services
Authority
Inhouse Allo Team Building (Allo Temu) 7 Desember 2024 Allo Bank
Allo Team Building (Allo Temu) December 7, 2024
In House Table Top Penyelenggaraan Pengujian Crisis Management Plan 13 Desember 2024 Allo Bank
Table Top - Implementation of Crisis Management Plan Testing December 13, 2024
Kepala SKAI
Head of the SKAI
Dani Bayu In House Sosialisasi Kebijakan Pengembangan Sistem TI (SDLC) 25 Januari 2024 Allo Bank
Angkat Socialization of IT System Development Policy (SDLC) January 25, 2024
In House Refreshment Program Pengkinian Sertifikasi Manajemen Risiko 31 Januari 2024 Efektifpro
Jenjang 5 & 6 LSP BSMR January 31, 2024
Refreshment Program for Updating Risk Management
Certification - Level 5 & 6 (LSP BSMR)
In House Strategic Objectives 2024 Driving Towards Allo Bank 2.0 7 Maret 2024 Manajemen Allo
Strategic Objectives 2024 Driving Towards Allo Bank 2.0 March 7, 2024 Bank
Allo Bank
Management
130 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 133
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
In House Sharing Session Core Values Allo Bank 21 Maret 2024 Direktur Utama
Sharing Session: Allo Bank Core Values March 21, 2024 Indra Utoyo
President Director
Indra Utoyo
Off House Uji Resertifikasi Manajemen Risiko Jenjang 6 LSP BSMR 27 Maret 2024 LSP BSMR
Risk Management Recertification Test – Level 6 (LSP BSMR) March 27, 2024
In House Sosialisasi Tentang Perubahan Kedua Uu Informasi dan 2 Mei 2024 Kementerian
Transaksi Elektronik dan Perkembangan RPP Pelindungan data May 2, 2024 Komunikasi
Pribadi dan Informatika
Socialization on the Second Amendment to the Electronic Republik Indonesia
Information and Transactions Law and the Development of the The Ministry of
Personal Data Protection RPP Communications
and Information
Technology of
the Republic of
Indonesia
In House Security Awareness ISO/IEC 27001:2022 2 Mei 2024 PT Nalar Teknologi
Security Awareness ISO/IEC 27001:2022 May 2, 2024 Orkestrator
In House Allo Bank Forum 2024 20 Mei 2024 Allo Bank
Allo Bank Forum 2024 May 20, 2024
Off House Indonesia National Anti Fraud Conference 2024 20 Juni 2024 Asia Anti Fraud
Indonesia National Anti Fraud Conference 2024 June 20, 2024 Manajemen
Asian Anti-Fraud
Management
In House Sosialisasi Penerapan Program APU PPT & PPPSPM 12 September 2024 PPATK
Socialization of the implementation of the AML-CTF & CPF September 12, 2024
Program
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely Or Risk It All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
Off House Refreshment & Resertifikasi CAFM 8 November 2024 Asia Anti Fraud
CAFM Refreshment & Recertification November 8, 2024 Manajemen
Asian Anti-Fraud
Management
Off House Risk And Governance Summit (RGS) Tahun 2024 26 November 2024 Otoritas Jasa
2024 Risk And Governance Summit (RGS) November 26, 2024 Keuangan
Financial Services
Authority
Inhouse Allo Team Building (Allo Temu) 7 Desember 2024 Allo Bank
Allo Team Building (Allo Temu) December 7, 2024
2024 Annual Report & Sustainability Report
131
Page 134
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Analisis dan Pembahasan Pembahasan Manajemen Manajemen Management Discussion Management and Analysis Discussion and Analysis 132 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 135
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
2024 Annual Report & Sustainability Report
133
Page 136
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Tinjauan Perekonomian
dan Industri Economic and Industrial Overview
Tinjauan Perekonomian Economic Overview
Sebagaimana dikutip dari Tinjauan Kebijakan Uncertainty within global financial markets has
Moneter Desember 2024 yang dirilis been on an uptick, as is evidenced by data from
Bank Indonesia, mengungkapkan bahwa Bank Indonesia's December 2024 Monetary
Ketidakpastian pasar keuangan global semakin Policy Review. Accompanying this was the
meningkat disertai dengan risiko perlambatan risk of slowing global economic growth. The
pertumbuhan ekonomi dunia. Rencana United States' trade policy plan of increasing
kebijakan perdagangan di Amerika Serikat import tariffs, commodities, and wider country
(AS) melalui kenaikan tarif impor, komoditas, coverage has led to the risk of increased
dan cakupan negara yang lebih luas telah fragmentation of world trade.
menyebabkan risiko peningkatan fragmentasi
perdagangan dunia.
Inflasi dunia meningkat dibandingkan prakiraan Global inflation has meanwhile gone up
sebelumnya dipengaruhi oleh gangguan rantai compared to previous estimates due to supply
suplai. Di AS, penurunan Fed Funds Rate (FFR) chain disruptions. In the United States (US), the
diprakirakan lebih lambat akibat inflasi yang Fed Funds Rate (FFR) reduction was predicted
lebih tinggi tersebut. Sementara itu, kebijakan to be slower due to higher inflation. A more
fiskal AS yang lebih ekspansif mendorong yield expansive US fiscal policy has pushed US
US Treasury tetap tinggi, baik pada tenor jangka Treasury yields to remain high for both short-
pendek maupun jangka panjang. Penguatan term and long-term tenors. The strengthening
mata uang dolar AS secara luas terus berlanjut of the US dollar currency has broadly continued
disertai berbaliknya preferensi investor global while accompanied by a reversal in global
dengan memindahkan alokasi portofolionya investor preferences that saw them moving
kembali ke AS. Hal ini meningkatkan tekanan their portfolio allocations back to the US. This
pelemahan berbagai mata uang dunia dan has increased pressure on the weakening of
menahan aliran masuk modal asing ke negara various world currencies and restrained foreign
berkembang. Perkembangan ekonomi capital inflows to developing countries. Global
global yang diikuti dengan tetap tingginya economic developments, followed by continued
ketidakpastian pasar keuangan global tersebut high uncertainty in global financial markets,
memerlukan respons kebijakan yang kuat require a strong policy response to mitigate
untuk memitigasi dampak negatifnya terhadap their negative impact on the economies of
perekonomian di negara-negara berkembang, developing countries, including Indonesia.
termasuk Indonesia.
Namun demikian, Pertumbuhan ekonomi Nevertheless, Indonesia's economic growth
Indonesia tetap terjaga didukung oleh has continued to remain stable thanks to the
permintaan domestik. Investasi diprakirakan support of domestic demand. Investment grew
tumbuh positif pada triwulan IV 2024 ditopang positively in the fourth quarter of 2024 thanks
oleh penyelesaian berbagai Proyek Strategis to the completion of various National Strategic
Nasional (PSN) dan investasi swasta didukung Projects and private investment supported by
insentif dari Pemerintah. Konsumsi rumah incentives from the Government. Household
tangga diprakirakan tetap tumbuh didorong consumption continued to grow thanks to
oleh keyakinan konsumen yang terjaga maintained consumer confidence and the
serta dampak positif pelaksanaan Pilkada di positive impact of regional elections in various
berbagai daerah. Konsumsi Pemerintah lebih regions. Government consumption is higher in
tinggi seiring dengan kenaikan aktivitas belanja line with an increase in government spending
Pemerintah pada akhir tahun. Sementara itu, activities at the end of the year. Meanwhile,
134 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 137
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
ekspor nonmigas diprakirakan melambat dipengaruhi ekonomi non-oil and gas exports slowed down due to the global economy
global yang belum kuat. Secara sektoral, pertumbuhan juga which was not yet strong. In terms of sectors, growth happened
ditopang terutama oleh Sektor Industri Pengolahan, Konstruksi, mainly within the Manufacturing Industry, and in the Construction,
serta Perdagangan Besar dan Eceran. Secara keseluruhan and Wholesale and Retail Trade Sectors. Overall, economic growth
tahun, pertumbuhan ekonomi 2024 adalah sebesar 5,03%, dan in 2024 was recorded at 5.03%, and is expected to increase to
diperkirakan akan meningkat menjadi 4,8–5,6% pada 2025. 4.8–5.6% in 2025.
Tinjauan Industri Industry Overview
Bank Indonesia menyatakan bahwa ketahanan sistem keuangan Bank Indonesia has stated that the financial system's resilience has
terjaga baik, termasuk pada industri perbankan. Likuiditas perbankan been well maintained, including in the banking industry. Banking
tetap memadai, tecermin dari rasio Alat Likuid terhadap Dana Pihak liquidity remained adequate, reflected in the high ratio of Liquid
Ketiga (AL/DPK) pada November 2024 yang tinggi sebesar 25,57%. Assets to Third Party Funds of 25.57% in November 2024. The
Rasio kecukupan modal (Capital Adequacy Ratio/CAR) perbankan capital adequacy ratio (CAR) for banking in October 2024 was
pada Oktober 2024 tercatat sebesar 27,02%, tergolong kuat dalam recorded at 27.02%. This percentage was considered strong in
menyerap risiko dan mendukung pertumbuhan kredit. Sementara absorbing risks and supporting credit growth. Meanwhile, the
itu, rasio kredit bermasalah (Non-Performing Loan/NPL) perbankan banking non-performing loan (NPL) ratio in October 2024 was
pada Oktober 2024 terjaga rendah, sebesar 2,20% (bruto) dan maintained at low levels, at 2.20% (gross) and 0.77% (net).
0,77% (neto).
Ketahanan permodalan dan likuiditas perbankan juga didukung The resilience of banking capital and liquidity was also supported by
oleh pencapaian profitabilitas dan pengelolaan risiko bank yang good bank profitability and risk management. It was also supported
baik, serta ditopang oleh kemampuan membayar dan profitabilitas by the ability to pay and maintain corporate profitability, as shown
korporasi yang terjaga, sebagaimana hasil stress test perbankan in the results of the latest banking stress tests. Going forward,
terkini. Ke depan, Bank Indonesia terus memperkuat sinergi Bank Indonesia will continue to strengthen policy synergy with
kebijakan bersama KSSK dalam menjaga stabilitas sistem keuangan, the Financial System Stability Committee in maintaining financial
termasuk memitigasi berbagai risiko yang dapat mengganggu system stability, including by mitigating various risks that could
stabilitas sistem keuangan. disrupt financial system stability.
Kinerja transaksi ekonomi dan keuangan digital pada November The performance of digital economic and financial transactions
2024 tetap tumbuh didukung oleh sistem pembayaran yang aman, in November 2024 continued to grow thanks to the support of a
lancar, dan andal. Dari sisi nilai besar, transaksi BI-RTGS pada safe, smooth, and reliable payment system. In terms of large value,
November 2024 meningkat 9,82% (yoy) dengan nominal transaksi BI-RTGS transactions in November 2024 increased by 9.82% (yoy)
sebesar Rp14.969,37 triliun. Dari sisi ritel, volume transaksi BI-FAST with a nominal transaction of IDR14,969.37 trillion. From the retail
pada November 2024 tumbuh 69,90% (yoy) mencapai 338,61 juta side of things, the volume of BI-FAST transactions in November
transaksi. Akselerasi pembayaran digital berlanjut. Volume transaksi 2024 grew by 69.90% (yoy) to reach 338.61 million transactions.
digital banking pada bulan yang sama tercatat 2,04 miliar transaksi The acceleration of digital payments continued. The volume of
atau tumbuh sebesar 40,1% (yoy), sementara volume transaksi Uang digital banking transactions in the same month was recorded at
Elektronik (UE) tumbuh 33,4% (yoy) mencapai 1,44 miliar transaksi. 2.04 billion transactions, which marked a growth of 40.1% (yoy),
while the volume of Electronic Money (EU) transactions grew by
33.4% (yoy) to reach 1.44 billion transactions.
Volume transaksi QRIS terus tumbuh pesat sebesar 186% (yoy) The QRIS transaction volume continued to grow rapidly by 186%
mencapai 689,07 juta transaksi, dengan jumlah pengguna dan (yoy) reaching 689.07 million transactions, with the number of users
merchant masing-masing mencapai 55,02 juta dan 35,1 juta pada and merchants reached 55.02 million and 35.1 million respectively
November 2024. Sementara itu, volume transaksi pembayaran in November 2024. Meanwhile, the transaction volume of payments
menggunakan kartu ATM/D pada November 2024 turun 10,9% using ATM/D cards in November 2024 fell by 10.9% to 562.75
menjadi 562,75 juta transaksi. Volume transaksi kartu kredit pada million transactions. The volume of credit card transactions in the
bulan yang sama tumbuh 21,1% (yoy) mencapai 41,15 juta transaksi. same month grew by 21.1% (yoy) to 41.15 million transactions. In
Dari sisi pengelolaan uang Rupiah, Uang Kartal Yang Diedarkan terms of Rupiah money management, Circulating Currency grew
(UYD) tumbuh 11,9% (yoy) menjadi Rp1.105,8 triliun secara nominal by 11.9% (yoy) to IDR1,105.8 trillion in nominal terms at the end of
pada akhir November 2024. November 2024.
2024 Annual Report & Sustainability Report
135
Page 138
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Rencana dan Kebijakan
Strategis Perusahaan Company Strategic Plan and Policy
Semakin tingginya tingkat kesadaran masyarakat untuk Increased levels of public awareness for balancing lifestyles and
menyeimbangkan gaya hidup dan kesejahteraan finansial long-term financial well-being serves as a positive catalyst for the
jangka panjang menjadi katalis positif bagi perkembangan bisnis development of banking as a business. The high number of young
perbankan. Tingginya generasi muda yang berada di usia produktif people who are of productive age and have financial awareness is
dan memiliki kesadaran finansial menjadi salah satu faktor yang one of the factors that has driven customer growth.
mendorong pertumbuhan nasabah.
Melihat kondisi ini, Allo Bank selaku bank umum berbasis digital Allo Bank, as a digital-based conventional bank, sees these
senantiasa memperkuat fondasi bisnis yang dimiliki dan terus conditions and has always strengthened the foundation of its
berinovasi agar dapat mengoptimalkan momentum pertumbuhan. business and continues to innovate in order to optimize growth
Dengan didukung kolaborasi ekosistem bisnis yang kuat, momentum. With the support of its strong business ecosystem
pengembangan produk-produk inovatif, serta keamanan yang collaboration, its development of innovative products, and its
kuat, Bank berupaya untuk dapat terus hadir menjadi everyday strong security, the Bank is working to continue to be present as
bank yang dapat menjawab segala kebutuhan nasabah. an everyday bank that can answer all customer needs.
Di samping itu, Bank telah menetapkan kebijakan strategis dalam In addition, the Bank has also established a strategic policy for
mengoptimalkan pertumbuhan bisnis, diantaranya dengan optimizing business growth, including by establishing the following
menetapkan langkah-langkah strategis sebagai berikut: strategic steps:
1. Penetrasi pasar berdasarkan model bisnis Hibrida (Hybrid 1. Market penetration based on a Hybrid Business Model in
Business Model) dalam menawarkan produk dan layanan offering integrated Retail and Wholesale segment products
segmen Retail dan Wholesale secara terintegrasi untuk and services to grow the Bank's business through Acquisition,
menumbuhkan bisnis Bank melalui aktivitas Acquisition, Engagement and Monetization activities.
Engagement dan Monetization.
2. Pengembangan layanan digital untuk mencapai portofolio aset 2. Development of digital services to achieve a balanced and
dan liabilitas yang berimbang dan berkualitas antara segmen quality assets and liabilities portfolio between the Retail and
Retail dan Wholesale. Wholesale segments.
3. Penguatan kapabilitas Ecosystem Banking dalam rangka 3. Strengthening Ecosystem Banking capabilities in the context
kolaborasi yang intensif dengan mitra strategis untuk of intensive collaboration with strategic partners to increase
meningkatkan nilai layanan finansial dan daya saing Bank. the value of financial services and the Bank's competitiveness.
4. Optimalisasi kapabilitas data analytics dan Artificial Intelligence 4. Optimizing data analytics and Artificial Intelligence (AI)
(AI) untuk menghasilkan Customer Insight yang efektif dan capabilities to produce effective Customer Insight and efficient
manajemen risiko yang efisien dalam memberikan layanan risk management in providing contextual financial services
finansial yang kontekstual kepada nasabah. to customers.
5. Penguatan sistem manajemen layanan yang didukung oleh 5. Strengthening the service management system supported by
teknologi sesuai standar best practice IT Service Management technology according to IT Service Management (ITSM) best
(ITSM). practice standards.
6. Pengembangan talenta DIGITAL untuk mendukung model 6. Developing DIGITAL talent to support a Hybrid business model.
bisnis Hibrida.
7. Penguatan Good Corporate Governance yang terintegrasi 7. Strengthening integrated and sustainable Good Corporate
dan berkelanjutan pada proses bisnis dan operasional Governance in business and operational processes as part
sebagai komitmen Bank untuk mendukung prinsip-prinsip of the Bank's commitment to supporting the principles of
Environmental, Social, and Governance (ESG). Environmental, Social, and Governance (ESG).
136 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 139
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tinjauan Operasi Per
Kegiatan Usaha Operational Review Per Business Activities
Berdasarkan Anggaran Dasar terakhir, Allo Based on the latest Articles of Association,
Bank menjalankan kegiatan usaha sebagai bank Allo Bank carries out business activities as a
umum dengan pendekatan produk dan layanan conventional bank with a digital-based banking
perbankan berbasis digital. Sesuai dengan pasal product and service approach. In accordance
3 Anggaran Dasar mengenai Maksud dan Tujuan with Article 3 of the Articles of Association
serta Kegiatan Usaha, Bank mengelompokkan concerning the Purpose and Objectives
kinerja operasionalnya ke dalam 2 (dua) jenis and Business Activities, the Bank groups its
kegiatan berdasarkan produk dan layanan yang operational performance into 2 (two) types of
dimiliki, yakni kegiatan menghimpun dana dari activities based on the products and services it
masyarakat dalam bentuk simpanan (Produk has, namely activities to collect funds from the
Simpanan) dan kegiatan menyalurkan dana public in the form of savings (Savings Products)
dalam bentuk kredit (Produk Kredit). Adapun and activities to distribute funds in the form
kinerja dan profitabilitas masing-masing jenis of credit (Credit Products). The performance
kegiatan usaha Bank diuraikan sebagai berikut. and profitability of each type of Bank business
activity are described as follows.
Produk Kredit Lending Products
Bank memiliki dua mesin pertumbuhan bisnis The Bank has two business engines, namely
yaitu segmen Retail Banking dan Wholesale the Retail Banking and Wholesale Banking
Banking. Dalam segmen Retail Banking, Bank segments. In the Retail Banking segment,
berfokus dalam menyalurkan pinjaman secara the Bank focuses on distributing digital loans
digital kepada konsumen retail yang terdiri dari 2 to retail consumers consisting of 2 (two)
(dua) produk, yaitu Paylater dan Pinjaman Dana products, namely Paylater and Cash Loans
Tunai (Instant Cash) dengan proses pengajuan (Instant Cash) with the application process
yang dilakukan melalui mobile app Allo Bank. carried out through the Allo Bank mobile app.
Keputusan kredit dapat dilakukan secara instan Credit decisions can be made instantly, making
sehingga mempermudah nasabah untuk it easier for customers to make transactions
melakukan transaksi menggunakan paylater atau using paylater or get loan funds for various
mendapatkan dana pinjaman untuk berbagai needs. In the Wholesale Banking segment, the
kebutuhan. Dalam segmen Wholesale Banking, Bank distributes wholesale credit to corporate
Bank menyalurkan kredit wholesale kepada customers with a good reputation and quality
nasabah korporasi yang memiliki reputasi dan for the purpose of financing working capital,
kualitas baik yang bertujuan untuk pembiayaan investment and guarantees.
modal kerja, investasi dan penjaminan.
Suku Bunga Dasar Kredit Basic Lending Rate
Suku Bunga Dasar Kredit (SBDK) merupakan The Basic Lending Rate (SBDK) is the basis for
dasar penetapan suku bunga kredit yang akan determining the credit interest rate that will be
dikenakan kepada nasabah. Allo Bank telah charged to customers. Allo Bank has published
mempublikasikan SBDK dalam mata uang its SBDK in Rupiah currency in accordance with
Rupiah sesuai dengan Peraturan Otoritas Jasa Financial Services Authority (OJK) Regulation
Keuangan (OJK) No. 37/POJK.03/2019 tentang No. 37/POJK.03/2019 concerning Transparency
Transparansi dan Publikasi Laporan Bank serta and Publication of Bank Reports, as well as
Surat Edaran OJK No. 9/SEOJK.03/2020 in accordance with OJK Circular Letter No.
tentang Transparansi dan Publikasi Laporan 9/SEOJK.03/2020 concerning Transparency
Bank Umum Konvensional yang mengatur and Publication of Conventional Commercial
mengenai transparansi informasi produk bank Bank Reports, which regulates the transparency
dan penggunaan data pribadi nasabah. of bank product information and the use of
customer personal data.
2024 Annual Report & Sustainability Report
137
Page 140
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
SBDK yang dipublikasikan oleh Bank belum memperhitungkan The SBDK published by the Bank has not taken into account the
komponen estimasi premi risiko mengingat besarannya akan estimated risk premium component. This is due to the fact that the
disesuaikan dari penilaian Bank atas risiko masing-masing debitur amount will be adjusted from the Bank's assessment of the risk
atau kelompok debitur sehingga besaran suku bunga kredit yang of each debtor or group of debtors so that the amount of credit
dikenakan belum tentu sama dengan SBDK. Bank senantiasa interest charged is not necessarily the same as the SBDK. The
meninjau dan memperbaharui SBDK sesuai dengan pergerakan Bank continuously reviews and updates its SBDK in accordance
suku bunga acuan BI 7-day Reverse Repo Rate (BI7DRR). with the movement of the BI 7-day Reverse Repo Rate (BI7DRR)
benchmark interest rate.
Bank mengelompokkan SBDK menjadi 4 (empat) kelompok The Bank groups its SBDK into 4 (four) groups based on credit
berdasarkan segmentasi kredit, yaitu Kredit Korporasi, Kredit Ritel, segmentation, specifically, Corporate Credit, Retail Credit, Micro
Kredit Mikro, dan Kredit Konsumsi. Seluruh informasi yang lebih Credit, and Consumer Credit. More detailed information regarding
rinci mengenai SBDK yang berlaku dapat dilihat pada publikasi di applicable SBDK can be seen in the publications at each Bank
setiap kantor Bank dan/atau situs web resmi Allo Bank di www. office and/or the official Allo Bank website at www.allobank.com.
allobank.com.
Kredit Konsumsi
Periode Kredit Korporasi Kredit Ritel Kredit Mikro Consumer Loan
Period Corporate Loan Retail Loan Micro Loan
KPR Non KPR
Desember 2024 9,62% N.A N.A N.A 26,57%
December 2024
Kinerja Produk Kredit Lending Product Performance
Pada tahun 2024, kinerja kredit tercatat sebesar Rp 7,48 triliun, In 2024, loan performance was recorded at IDR 7.48 trillion, an
mengalami peningkatan 1,2% dari tahun 2023 yang sebesar Rp7,39 increase of 1.2% from 2023 which was IDR 7.39 trillion. This was
triliun. Hal ini terutama disebabkan oleh peningkatan kredit yang mainly due to an increase in credit disbursed, especially for the
disalurkan, terutama untuk segmen Retail Banking yang tumbuh rapidly growing Retail Banking segment.
pesat.
Kenaikan (Penurunan)
Increase (Decrease)
2024 2023
Jenis Kredit
Type of Loan (Rp juta) (Rp juta) Nominal (Rp juta)
(IDR million) (IDR million) Persentase (%)
Nominal (IDR
Percentage (%)
million)
Kredit Modal Kerja 1.014.884 309.639 705.245 227,76%
Working Capital Loan
Kredit Investasi 5.099.634 6.624.475 (1.524.842) -23,02%
Investment Loan
Kredit Konsumsi 1.363.517 451.594 911.923 201,93%
Consumer Loan
Jumlah Kredit 7.478.035 7.385.708 92.327 1,25%
Total Loans
138 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 141
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Pertumbuhan Kredit 5
Tahun Terakhit (Rp miliar)
Loan Growth in the Past 5 Years (Billions of IDR)
7.478 7.385 7.206 2.198 1.276
2024 2023 2022 2021 2020
Produk Simpanan Deposit Products
Allo Bank menyediakan produk simpanan berupa penghimpunan Allo Bank provides savings products in the form of fund collection
dana baik dari nasabah Retail Banking maupun nasabah Wholesale from both Retail Banking customers and Wholesale Banking
Banking. Dalam hal penghimpunan dana nasabah Retail, Bank customers. In terms of fund collection from Retail customers,
menawarkan berbagai produk-produk simpanan berbasis digital, the Bank offers various digital-based savings products, such as
seperti uang elektronik (AlloPay dan AlloPay+), tabungan (Allo Prime electronic money (AlloPay and AlloPay+), savings (Allo Prime and
dan Allo Grow), dan deposito yang dilakukan melalui mobile app Allo Grow), and deposits made through the Allo Bank mobile app.
Allo Bank. Bank juga menyediakan produk giro dan deposito untuk The Bank also provides current account and deposit products for
nasabah Wholesale Banking yang sudah ada untuk melakukan existing Wholesale Banking customers to conduct operational
transaksi operasional maupun terkait dengan pembayaran kredit. transactions or related to credit payments.
Kinerja Produk Simpanan Deposit Products Performance
Sepanjang tahun 2024, Bank berhasil menghimpun Dana Pihak Throughout 2024, the Bank managed to collect Third Party Funds
Ketiga (DPK) sebesar Rp 6,10 triliun, meningkat 24,4% jika (TPF) of IDR 6.10 trillion, an increase of 24.4% compared to 2023
dibanding tahun 2023 yang sebesar Rp4,90 triliun. Pencapaian which was IDR 4.90 trillion. This achievement reflects the results
ini mencerminkan hasil dari kinerja Bank untuk meningkatkan dana of the Bank's performance in increasing customer funds amidst
nasabah di tengah tantangan likuiditas yang ketat. tight liquidity challenges.
2024 2023
Pertumbuhan
Produk Simpanan Nominal Nominal
Komposisi Komposisi (%)
Saving Products (Rp juta) (Rp juta)
(%) (%) Growth (%)
Nominal (IDR Nominal (IDR
Composition (%) Composition (%)
million) million)
Giro 85.336 1,40% 48.190 0,98% 77,08%
Current Accounts
Tabungan 693.272 11,37% 465.110 9,49% 49,06%
Savings
Deposito 5.316.510 87,23% 4.385.365 89,52% 21,23%
Time Deposits
Jumlah Simpanan Nasabah 6.095.118 100,00% 4.898.665 100,00% 24,42%
Total Customer
Deposits
CASA 12,77% 10,48%
2024 Annual Report & Sustainability Report
139
Page 142
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Pertumbuhan Produk Giro
5 Tahun Terakhir (Rp miliar)
Loan Growth in the Past 5 Years (Billions of IDR)
85 48 166 183 264
2024 2023 2022 2021 2020
Pertumbuhan Produk
Tabungan 5 Tahun Terakhir
Savings Product Growth in the Last (Rp miliar)
5 Years (Billions of IDR)
693 465 309 104 107
2024 2023 2022 2021 2020
Pertumbuhan Produk
Deposito 5 Tahun Terakhir
Time Deposit Product Growth in (Rp miliar)
the Last 5 Years (Billions of IDR)
5.316 4.385 4.067 1.854 1.173
2024 2023 2022 2021 2020
140 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 143
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Profitabilitas Kegiatan Usaha Business Activities Profitability
Profitabilitas Bank dikelompokkan berdasarkan kedua kegiatan Bank profitability is grouped based on the two main activities owned,
utama yang dimiliki, yakni Produk Kredit dan Produk Simpanan. namely Credit Products and Savings Products. The profitability of
Adapun profitabilitas kegiatan usaha Bank dapat dilihat sebagai Bank business activities can be seen as follows:
berikut:
Kenaikan (Penurunan)
Increase (Decrease)
2024 2023
Uraian (Rp juta) (Rp juta) Nominal
Description
(IDR million) (IDR million)
Persentase
(Rp juta)
(%)
Nominal (IDR
Percentage (%)
million)
Kinerja Produk Kredit 7.478.035 7.385.708 92.327 1,25%
Lending Product Performance
Kinerja Produk Simpanan 6.095.118 4.898.665 1.196.453 24,42%
Savings Product Performance
Pendapatan (Beban) Non- 127 (287) 414 -144,25%
Operasional – Neto
Non-Operating Income (Expenses)
– Net
Laba Periode Berjalan 598.950 575.274 23.676 4,12%
Profit for the Current Period
Jumlah Aset 13.984.014 12.750.435 1.233.579 9,67%
Total Assets
Jumlah Liabilitas 6.718.277 5.865.359 852.918 14,54%
Total Liabilities
As of December 31, 2024, the Bank's loan product performance
Per 31 Desember 2024, kinerja produk kredit tercatat sebesar was recorded at IDR7.48 trillion, which mainly came from the Bank's
Rp7,48 triliun yang terutama berasal dari kelompok segmentasi lending segmentation groups, specifically, Corporate Lending and
kredit Bank, yaitu Kredit Korporasi dan Kredit Konsumsi. Sementara, Consumer Lending. Meanwhile, deposit product performance
kinerja produk simpanan tercatat sebesar Rp6,10 triliun yang was recorded at IDR6.10 trillion, which came from contributions
dikontribusikan oleh produk giro, tabungan, dan deposito. in current accounts, savings, and deposit products.
2024 Annual Report & Sustainability Report
141
Page 144
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Tinjauan
Keuangan Financial Review
Analisis dan pembahasan kinerja keuangan The analysis and discussion of the Bank's
Bank dalam Laporan Tahunan ini mengacu financial performance in this Annual Report
pada Laporan Keuangan PT Allo Bank Indonesia refers to the Financial Statements of PT
Tbk untuk tahun-tahun yang berakhir pada Allo Bank Indonesia Tbk for the years that
31 Desember 2024 dan 2023 yang telah ended December 31, 2024 and 2023. These
diaudit oleh Kantor Akuntan Publik Amir statements have been audited by the Public
Abadi Jusuf, Aryanto, Mawar & Rekan dengan Accounting Firm Amir Abadi Jusuf, Aryanto,
opini wajar tanpa pengecualian. Penyajian Mawar & Rekan with an unqualified opinion.
dan pengungkapan Laporan Keuangan Bank The presentation and disclosure of the Bank's
disusun sesuai dengan Standar Akuntansi Financial Statements have been prepared
Keuangan (SAK) di Indonesia, yang mencakup in accordance with Financial Accounting
Pernyataan Standar Akuntansi Keuangan (PSAK), Standards (SAK) in Indonesia, which include the
Interpretasi Standar Akuntansi Keuangan (ISAK) Statement of Financial Accounting Standards
yang dikeluarkan oleh Dewan Standar Akuntansi (PSAK), Interpretation of Financial Accounting
Keuangan-Ikatan Akuntan Indonesia (DSAK- Standards (ISAK) issued by the Financial
IAI), serta Peraturan Pasar Modal yang berlaku Accounting Standards Board-Indonesian
antara lain Peraturan Badan Pengawas Pasar Institute of Accountants (DSAK-IAI), and in
Modal dan Lembaga Keuangan (Bapepam- accordance with applicable Capital Market
LK) No. VIII.G.7 tentang Pedoman Penyajian Regulations including Regulation of the Capital
Laporan Keuangan, keputusan Ketua Bapepam- Market and Financial Institution Supervisory
LK No. KEP-347/BL/2012 tentang Penyajian dan Agency (Bapepam-LK) No. VIII.G.7 concerning
Pengungkapan Laporan Keuangan Emiten atau Guidelines for Presentation of Financial
Perusahaan Publik. Statements and the Decree of the Chairman of
Bapepam-LK No. KEP-347/BL/2012 concerning
Presentation and Disclosure of Financial
Statements of Issuers or Public Companies.
Posisi Keuangan
Financial Position
Kenaikan (Penurunan)
Increase (Decrease)
2024 2023
Uraian
Description (Rp juta) (Rp juta) Nominal (Rp juta)
(IDR million) (IDR million) Persentase (%)
Nominal (IDR
Percentage (%)
million)
Jumlah Aset 13.984.014. 12.750.435 1.233.579 9,67%
Total Assets
Jumlah Liabilitas 6.718.277 5.865.359 852.918 14,54%
Total Liabilities
Jumlah Ekuitas 7.265.737 6.885.076 380.661 5,53%
Total Equity
Jumlah Liabilitas dan Ekuitas 13.984.014 12.750.435 1.233.579 9,67%
Total Liabilities and Equity
142 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 145
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Sepanjang tahun 2024, Bank berhasil membukukan kinerja yang Throughout 2024, the Bank managed to record good performance
baik sebagaimana tercermin dari pertumbuhan posisi keuangan as reflected in the growth of the Bank's financial position.
Bank. Sepanjang tahun buku, jumlah aset Bank tercatat mengalami Throughout the fiscal year, the Bank's total assets were recorded
peningkatan sebesar 9,67% menjadi Rp 13,98 triliun didorong to have increased by 9.67% to IDR 13.98 trillion driven by increase
peningkatan kredit. Sementara itu Ekuitas tumbuh 7,4% menjadi in lending. Meanwhile, Equity grew 7.4% to IDR 7.27 trillion due
Rp7,27 triliun karena penguatan ekuitas Bank yang dilakukan secara to the strengthening of the Bank's equity which was carried out
organik dari laba bersih Bank organically from the Bank's net profit.
Aset
Assets
Kenaikan (Penurunan)
Increase (Decrease)
2024 2023
Uraian
Description
(Rp juta) (Rp juta) Nominal (Rp juta)
(IDR million) (IDR million) Persentase (%)
Nominal (IDR
Percentage (%)
million)
Aset Produktif 13.319.824 12.184.632 1.135.192 9,32%
Earning Assets
Penempatan pada Bank Indonesia & Bank Lain 2.705.813 1.616.085 1.089.728 67,43%
Penempatan pada Bank Indonesia & Bank Lain
Kredit yang Diberikan 7.478.035 7.385.708 92.327 1,25%
Loans
Efek-efek 2.847.270 3.182.839 335.569 10,54%
Marketable Securities
Tagihan atas Surat Berharga yang Dibeli 288.706 - 288.706 N.A
dengan Janji Dijual Kembali (Reverse Repo)
Reverse Repo
Aset Non Produktif 664.190. 565.803 98.387 17,39%
Non-Productive Assets
Kas dan Giro pada Bank Indonesia 236.847 237.291 (444) 0,19%
Cash and Current Accounts with Bank
Indonesia
Aset Tetap – Bersih 324.421 262.504 61.917 23,59%
Fixed Assets – Net
Cadangan Kerugian Penurunan Nilai (104.540) (62.414) (42.126) 67,49%
Allowance for Impairment Losses
Lainnya 207.462 128.422 79.040 61,55%
Others
Total Aset 13.984.014 12.750.435 1.233.579 9,67%
Total Assets
Per 31 Desember 2024, Bank membukukan jumlah aset sebesar As of December 31, 2024, the Bank recorded total assets of Rp13.98
Rp 13,98 triliun, meningkat Rp 1,23 triliun atau 9,7% dibanding trillion, an increase of Rp1.23 trillion or 9.7% compared to 2023
tahun 2023 yang sebesar Rp12,75 triliun. Hal ini disebabkan oleh which was Rp12.75 trillion. This was due to an increase in credit
peningkatan kredit yang disalurkan, terutama untuk segmen Retail disbursed, especially for the rapidly growing Retail Banking segment.
Banking yang tumbuh pesat.
2024 Annual Report & Sustainability Report
143
Page 146
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Liabilitas
Liability
Kenaikan (Penurunan)
Increase (Decrease)
2024 2023
Uraian
Description (Rp juta) (Rp juta) Nominal (Rp juta)
(IDR million) (IDR million) Persentase (%)
Nominal (IDR
Percentage (%)
million)
Dana Pihak Ketiga 6.095.118 4.898.665 1.196.453 24,42%
Third Party Funds
Giro 85.336 48.190 37.146 77,08%
Current Account
Tabungan 693.272 465.110 228.162 49,06%
Savings
Deposito 5.316.510 4.385.365 931.145 21,23%
Time Deposits
Simpanan dari Bank Lain 5.224 45.000 (39.776) -88,39%
Deposits from Other Banks
Kewajiban Surat Berharga Repo 286.522 611.288 (324.766) 53,13%
Repo Securities Liabilities
Kewajiban Lainnya 331.413 310.406 21.007 6,77%
Other Liabilities
Total Liabilitas 6.718.277 5.865.359 852.918 14,54%
Total Liabilities
Di tahun 2024, jumlah liabilitas Bank tercatat sebesar Rp6,72 triliun, In 2024, the Bank's total liabilities were recorded at IDR6.72 trillion,
mengalami peningkatan Rp853 miliar atau 14,54% dari tahun an increase of IDR853 billion or 14.54% from IDR5.87 trillion in
2023 yang sebesar Rp5,87 triliun. Hal ini disebabkan sebagian 2023. This was largely due to an increase in Third Party Funds,
besar oleh kenaikan Dana Pihak Ketiga, yang mencerminkan hasil reflecting the Bank's performance in increasing customer funds
dari kinerja Bank untuk meningkatkan dana nasabah di tengah amidst tight liquidity challenges.
tantangan likuiditas yang ketat.
Ekuitas
Equity
Kenaikan (Penurunan)
Increase (Decrease)
2024 2023
Uraian
Description (Rp juta) (Rp juta) Nominal (Rp juta)
(IDR million) (IDR million) Persentase (%)
Nominal (IDR
Percentage (%)
million)
Modal Saham 2.173.026 2.173.026 - -
Share Capital
Tambahan Modal Disetor 3.868.733 3.868.733 - -
Additional Paid-in Capital
Surplus Revaluasi Aset Tetap - - - -
Surplus on Revaluation of Fixed Assets
Pengukuran Kembali atas Program Imbalan (3.701) (3.766) 65 1,73%
Pasti
Remeasurement of Defined Benefits Plan
Keuntungan yang Belum Direalisasikan dari (10.395) 76.115 (86.510) -113,66%
Efek Pada Nilai Wajar melalui Penghasilan
Komprehensif Lain
Unrealized Gain on Change in Fair Value
of Securities at Fair Value through Other
Comprehensive Income
144 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 147
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Kenaikan (Penurunan)
Increase (Decrease)
2024 2023
Uraian
Description (Rp juta) (Rp juta) Nominal (Rp juta)
(IDR million) (IDR million) Persentase (%)
Nominal (IDR
Percentage (%)
million)
Saldo Laba (Defisit)
Retained Earnings (Deficit)
Ditentukan Penggunaannya 2.060 20.54 6 0,29%
Appropriated
Tidak Ditentukan Penggunaannya 1.236.014 768.914 467.100 60,75%
Unappropriated
Jumlah Ekuitas 7.265.737 6.885.076 380.661 5,53%
Total Equity
Jumlah ekuitas Bank di tahun 2024 adalah sebesar Rp7,27 triliun, The Bank's total equity in 2024 is IDR7.27 trillion, an increase of
meningkat Rp 381 miliar atau 5,53% dibanding tahun 2023 sebesar IDR381 billion or 5.53% compared to 2023 of IDR6.89 trillion. This
Rp6,89 triliun. Hal ini terutama disebabkan oleh penguatan ekuitas is mainly due to the strengthening of the Bank's equity which is
Bank yang dilakukan secara organik dari laba bersih Bank. carried out organically from the Bank's net profit.
Laba (Rugi) dan Penghasilan Komprehensif
Profit (Loss) and Comprehensive Income
Kenaikan (Penurunan)
Increase (Decrease)
2024 2023
Uraian
Description (Rp juta) (Rp juta) Nominal (Rp juta)
(IDR million) (IDR million) Persentase (%)
Nominal (IDR
Percentage (%)
million)
Pendapatan Operasional 1.446.728 1.159.330 287.558 24,80%
Operating Income
Pendapatan Bunga Bersih 1.117.502 1.036.755 80.747 7,79%
Net Interest Income
Pendapatan Operasional selain Bunga 329.226 122.575 206.811 168.72%
Operational Income other than Interest
Biaya Kerugian Penurunan Nilai Aset (113.880) (47.942) (66.098) 137,87%
Keuangan
Allowance for Impairment Losses
Biaya Operasional (734.025) (535.827) (198.198) 36,99%
Operating Expenses
Laba (Rugi) Operasional 598.823 575.561 23.262 4,04%
Operating Income (Loss)
Pendapatan Non Operasional 127 (287) 414 -144,25%
Non-Operating Income
Laba (Rugi) Sebelum Pajak Penghasilan 598.950 575.274 23.676 4,12%
Income (Loss) Before Tax Expenses
Laba (Rugi) Bersih 467.106 444.566 22.540 5,07%
Net Profit (Loss)
Pendapatan (Beban) Komprehensif Lainnya (86.445) 39.283 (125.728) -320,06%
Other Comprehensive Income (Expense)
Total Laba Komprehensif 380.661 483.849 (103.188) -21,33%
Total Comprehensive Income
Laba Bersih per Saham (dalam Rupiah Penuh) 21,50 20,46 1,04 5,07%
Earnings per Share (in Full Rupiah)
2024 Annual Report & Sustainability Report
145
Page 148
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Pendapatan Bunga Bersih Net Interest Income Pada tahun 2024, Bank membukukan pendapatan bunga bersih In 2024, the Bank recorded net interest income of Rp1.118 trillion, sebesar Rp1,118 triliun, meningkat Rp80,7 miliar atau setara an increase of Rp80.7 billion or equivalent to 7.79% compared to dengan 7,79.% dibanding tahun 2023 yang sebesar Rp1,04 triliun. 2023 which was Rp1.04 trillion. Net interest income was mainly Pendapatan bunga bersih utamanya dikontribusi oleh peningkatan contributed by an increase in interest income from retail loans pendapatan bunga dari kredit retail selain dari kredit wholesale. other than wholesale loans. Laba Sebelum Pajak Profit Before Tax Bank membukukan laba sebelum pajak sebesar Rp599 miliar di The bank posted a profit before tax of Rp599 billion in 2024, an tahun 2024, meningkat Rp 23,3 miliar atau 4,04% dibanding tahun increase of Rp23.3 billion or 4.04% compared to the previous sebelumnya sebesar Rp575 miliar. Peningkatan tersebut terutama year of Rp575 billion. The increase was mainly due to an increase disebabkan adanya peningkatan kredit dari segmen Retail. in credit from the Retail segment. Laba Setelah Pajak Profit After Tax Per 31 Desember 2024, Bank membukukan laba setelah pajak As of December 31, 2024, the Bank posted a profit after tax of sebesar Rp467 miliar, meningkat Rp22,5 miliar atau 5,07% jika Rp467 billion, an increase of Rp22.5 billion or 5.07% compared to dibandingkan dengan tahun 2023 yang sebesar Rp445 miliar. 2023 which was Rp445 billion. The increase/decrease was mainly Peningkatan tersebut terutama disebabkan adanya peningkatan due to an increase in credit from the Retail segment. kredit dari segmen Retail. Penghasilan Komprehensif Tahun Berjalan Comprehensive Income for the Year Penghasilan komprehensif dihitung dengan menambah keuntungan Comprehensive income is calculated by adding the gain from dari perubahan nilai atas instrumen utang yang diukur pada nilai changes in the value of debt instruments measured at fair wajar melalui penghasilan komprehensif lain-neto dikurangi value through other comprehensive income (net) minus the pengukuran kembali liabilitas imbalan pasca kerja-neto. Di tahun remeasurement of post-employment benefit liabilities (net). In 2024, jumlah penghasilan komprehensif tahun berjalan adalah 2024, the amount of comprehensive income for the year was sebesar Rp381 miliar, mengalami penurunan Rp103,2 miliar atau IDR381 billion. This marked an increase/decrease of IDR103.2 21,3% dibanding tahun sebelumnya sebesar Rp484 miliar. Hal ini billion or 21.3% compared to the previous year’s IDR484 billion. disebabkan adanya Perubahan keuntungan yang belum direalisasi This was the result of unrealized gain from changes in fair values atas efek-efek yang diklasifikasikan sebagai nilai wajar melalui through other comprehensive income in securities. pendapatan komprehensif lain Laba Per Saham Dasar Basic Earnings Per Share Laba per saham dasar dihitung dengan membagi laba tahun Basic earnings per share is calculated by dividing current year berjalan yang tersedia bagi pemegang saham dengan rata- profit available to shareholders by the weighted average number rata tertimbang jumlah saham biasa yang beredar pada tahun of ordinary shares outstanding during the year. In 2024, the Bank bersangkutan. Di tahun 2024, Bank membukukan laba per saham recorded basic earnings per share of Rp21.5. or an increase of dasar sebesar Rp21,5. atau meningkat sebesar 5,07% dari tahun 5.07% from Rp20.46 in 2023. This is in line with the increase 2023 Rp20,46. Hal ini sejalan dengan peningkatan Laba Setelah in Profit After Tax driven by increased credit, especially from the Pajak didorong peningkatan kredit, terutama dari segmen Retail. Retail segment. 146 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 149
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Arus Kas
Cash Flow
Kenaikan (Penurunan)
Increase (Decrease)
2024 2023
Uraian
Description (Rp juta) (Rp juta) Nominal (Rp juta)
(IDR million) (IDR million) Persentase (%)
Nominal (IDR
Percentage (%)
million)
Arus Kas dari Aktivitas Operasi 871.727 2.348.097 (1.476.370) -62,88%
Cash Flows from Operating Activities
Arus Kas dari Aktivitas Investasi 231.542 (1.355.317) 1.586.859 -117,08%
Cash Flows from Investing Activities
Arus Kas dari Aktivitas Pendanaan (13.984) (13.292) (692) 5,21%
Cash Flows from Financing Activities
Kenaikan (Penurunan) Bersih Kas dan Setara Kas 1.089.285 979.488 109.797 11,21%
Net Increase (Decrease) in Cash and Cash
Equivalents
Kas dan Setara Kas Awal Tahun 1.853.375 873.888 979.847 112,08%
Cash and Cash Equivalents at Beginning of Year
Kas dan Setara Kas Akhir Tahun 2.942.660 1.853.376 1.089.284 58,77%
Cash and Cash Equivalents at End of Year
Di tahun 2024, Bank membukukan jumlah kas dan setara kas akhir In 2024, the Bank recorded cash and cash equivalents at the end
tahun sebesar Rp2,94 triliun, meningkat Rp1,09 triliun atau 58,77% of the year at IDR2,94 trillion. This marked an increase of IDR1,09
jika dibandingkan dengan tahun 2023 yang sebesar Rp1,85 triliun. triliun or 58,77% compared to the previous year’s IDR1.85 trillion.
Peningkatan ini terutama berasal dari peningkatan arus kas dari This increase was mainly due to increased cash flow from investing
aktivitas investasi. activities.
Arus Kas dari Aktivitas Operasi Cash Flow from Operating Activities
Hingga akhir tahun 2024, Bank mencatatkan kas bersih yang As of the end of 2024, the Bank recorded net cash used for
digunakan untuk aktivitas operasi sebesar Rp871,7 miliar, turun operating activities of Rp871.7 billion, down Rp1.48 trillion or
Rp1,48 triliun atau 62,88% jika dibandingkan dengan tahun 2023 62.88% compared to 2023 of Rp2.35 trillion. This was influenced
sebesar Rp2,35 triliun. Hal ini dipengaruhi oleh realisasi kredit by the realization of credit in 2024 being greater than the realization
pada tahun 2024 lebih besar dibandingkan realisasi kredit pada of credit in 2023, and an increase in funding sources from securities
tahun 2023, dan peningkatan sumber dana dari transaksi efek- transactions sold under repurchase agreements (repo) and an
efek yang dijual dengan janji dibeli kembali (repo) dan peningkatan increase in third party funds.
dana pihak ketiga.
Arus Kas dari Aktivitas Investasi Cash Flow from Investing Activities
Di tahun 2024, Bank mencatatkan kas bersih yang digunakan In 2024, the Bank recorded net cash used for investment activities
untuk aktivitas investasi sebesar Rp231,5 miliar, meningkat Rp1,59 of Rp231.5 billion, an increase of Rp1.59 trillion or 117.08% from
triliun atau 117,08% dari pengeluaran tahun 2023 yang sebesar the 2023 expenditure of Rp1.36 trillion. This was influenced by
Rp1,36 triliun. Hal ini dipengaruhi oleh pendapatan dari penjualan income from the sale of financial assets measured at fair value
aset keuangan yang diukur pada nilai wajar melalui penghasilan through other comprehensive income in that year.
komprehensif lain di tahun tersebut
Arus Kas dari Aktivitas Pendanaan Cash Flow from Funding Activities
Arus kas yang digunakan untuk aktivitas pendanaan Bank tercatat Cash flow used for the Bank's financing activities was recorded at
sebesar Rp13,98 miliar, mengalami peningkatan Rp692 juta atau IDR13.98 billion, an increase of IDR692 million or 5.21% compared
5,21.% dibanding tahun 2023 yang sebesar Rp13,29 miliar. Secara to 2023 which was IDR13.29 billion. In general, this is still the
garis besar hal ini masih sama dan mencerminkan tidak terdapat same and reflects that there was no inorganic capital addition
penambahan modal secara inorganik yang dilakukan pada tahun made in 2024.
2024.
2024 Annual Report & Sustainability Report
147
Page 150
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Rasio-Rasio Kinerja Keuangan
Financial Performance Ratios
Uraian Pertumbuhan
2024 2023
Description (%)
(%) (%) Growth (%)
Rasio Kecukupan Modal 82,58% 83,35% -0,77%
Capital Adequacy Ratio (CAR)
KPMM Tier 1 81,71% 82,29% -0,58%
CAR Tier 1
KPMM Tier 2 0,87% 1,06% -0,19%
CAR Tier 2
Aset Tetap terhadap Ekuitas 3,75% 2,94% 0,81%
Fixed Assets to Equity
Aset Produktif dan Non-Produktif Bermasalah terhadap Total Aset 0,46% 0,05% 0,41%
Produktif dan Non-Produktif
Non-Performing Productive and Non-Productive Assets to Total
Productive and Non-Productive Assets
Aset Produktif Bermasalah terhadap Total Aset Produktif 0,46% 0,05% 0,41%
Non-Performing Productive Assets to Total Productive Assets
CKPN Aset Keuangan terhadap Aset Produktif 0,78% 0,51% 0,27%
Allowance for Impairment Losses on Financial Assets to Productive
Assets
NPL Bruto 0,81% 0,08% 0,73%
NPL Gross
NPL Neto 0,40% 0,05% 0,35%
NPL Net
Tingkat Pengembalian atas Aset 4,48% 4,76% 0,28%
Return on Asset – ROA
Tingkat Pengembalian atas Ekuitas 6,78% 6,70% 0,08%
Return on Equity – ROE
Marjin Bunga Bersih 8,88% 9,01% -0,14%
Net Interest Margin – NIM
Biaya Operasional terhadap Pendapatan Operasional (BOPO) 66,78% 59,87% 6,91%
Ratio of Operating Costs to Operating Income
Rasio Biaya terhadap Pendapatan 50,76% 46,25% 4,51%
Cost to Income Ratio (CIR)
Rasio Kredit terhadap Dana Pihak Ketiga 122,69% 150,77% -28,08%
Loan to Deposit Ratio (LDR)
Rasio Dana Murah (CASA terhadap Dana Pihak Ketiga) 12,77% 10,48% 2,29%
Low-Cost Funds Ratio (CASA to Third-Party Funds)
Rasio Liabilitas terhadap Ekuitas 92,47% 85,19% 7,28%
Ratio of Liabilities to Equity
Rasio Liabilitas terhadap Aset 48,04% 46,00% 2,04%
Ratio of Liabilities to Total Assets
Rasio Kas dan Setara Kas terhadap Liabilitas 43,80% 31,60% 12,20%
Ratio of Cash and Cash Equivalents to Liabilities
148 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 151
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Kemampuan Membayar
Utang dan Tingkat Solvency and Receivables
Kolektibilitas Piutang Collectability Rate
Kemampuan Membayar Utang Solvency
Bank menggunakan rasio likuiditas, rasio The Bank uses liquidity ratios, solvency ratios,
solvabilitas, dan rasio rentabilitas untuk and profitability ratios to measure its ability
mengukur kemampuannya dalam memenuhi to meet all of its short-term and long-term
seluruh kewajibannya, baik jangka pendek obligations. These ratios describe the Bank's
maupun jangka panjang. Rasio-rasio tersebut ability to meet all maturing obligations on
menggambarkan kemampuan Bank dalam time, both for principal payments and interest
memenuhi seluruh kewajiban yang akan jatuh expenses.
tempo secara tepat waktu, baik terhadap
pembayaran pokok utang maupun beban
bunga.
Rasio Likuiditas Liquidity Ratios
Bank menggunakan rasio likuiditas untuk The Bank uses liquidity ratios to measure its
mengukur kemampuannya dalam memenuhi ability to meet short-term obligations. The
kewajiban jangka pendek. Rasio likuiditas liquidity ratio itself consists of the ratio of cash
sendiri terdiri dari rasio kas dan setara kas and cash equivalents to liabilities. The ratio
terhadap liabilitas, di mana rasio tersebut was recorded at 43.80% in 2024 or increased
tercatat sebesar 43,80% di tahun 2024 atau compared to 2023 which was 31.60% which
mengalami peningkatan jika dibandingkan illustrates the Bank's well-maintained liquidity
dengan tahun 2023 yang sebesar 31,60% yang conditions.
menggambarkan kondisi likuiditas Bank yang
terjaga dengan baik.
Rasio Solvabilitas Solvency Ratio
Bank menggunakan rasio solvabilitas untuk Banks use solvency ratios to measure their
mengukur kemampuannya dalam memenuhi ability to meet all obligations, both short-
seluruh kewajiban, baik jangka pendek maupun term and long-term. This solvency ratio is
jangka panjang. Rasio solvabilitas ini tercermin reflected in the Capital Adequacy Ratio (CAR)
dari Rasio Permodalan atau Capital Adequacy which was recorded at 82.58% in 2024. This
Ratio (CAR) yang tercatat berada di posisi achievement also shows that the Bank's capital
82,58% pada tahun 2024. Capaian ini juga ratio has exceeded the minimum limit set by the
menunjukkan bahwa rasio permodalan Bank regulator. This ratio is still very adequate and
telah melebihi ketentuan batas minimal yang is considered capable of absorbing potential
diterapkan oleh regulator. Rasio ini masih sangat losses faced.
memadai dan dinilai mampu menyerap potensi
kerugian yang dihadapi.
2024 Annual Report & Sustainability Report
149
Page 152
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Rasio Rentabilitas Profitability Ratio Bank mengukur kemampuannya dalam menghasilkan laba The Bank measures its ability to generate profits in a certain period pada periode tertentu dengan menggunakan rasio rentabilitas. using the profitability ratio. Profitability is reflected in the Return Rentabilitas tercermin dari Rasio Imbal Hasil atas Aset (ROA) dan on Assets (ROA) Ratio and Return on Equity (ROE) Ratio. In 2024, Rasio Imbal Hasil atas Ekuitas (ROE). Di tahun 2024, ROA dan ROE the Bank's ROA and ROE were recorded at 4.48% and 6.78% Bank masing-masing tercatat sebesar 4,48% dan 6,78%, di mana respectively, where this achievement increased compared to 2023 capaian tersebut mengalami peningkatan jika dibanding tahun which was 4.76% and 6.70% in line with the increase in overall 2023 yang sebesar 4,76% dan 6,70% selaras dengan peningkatan performance and net profit after tax. kinerja keseluruhan dan laba bersih setelah pajak. Tingkat Kolektibilitas Piutang Receivables Collectibility Ratio Bank mengukur kemampuannya dalam menagih piutang yang The Bank measures its ability to collect receivables through the dimiliki melalui rasio kualitas aset Bank yang terdiri dari Rasio NPL Bank's asset quality ratio consisting of its Gross NPL Ratio and Net Gross dan NPL Net. Dalam mengukur rasio tersebut, semakin kecil NPL. In measuring this ratio, the smaller the ratio value, the better nilai rasionya, maka menunjukkan semakin baik pula kemampuan the Bank's ability to collect its receivables. Bank dalam mengumpulkan piutangnya. Di tahun 2024, NPL Gross Bank tercatat sebesar 0,81% atau In 2024, the Bank's Gross NPL was recorded at 0.81% or an increase mengalami peningkatan dari tahun 2023 yang sebesar 0,08%. from 2023 which was 0.08%. Meanwhile, the Bank's Net NPL in Sementara, NPL Net Bank di tahun 2024 adalah sebesar 0,40%, 2024 was 0.40%, an increase from the previous year which was meningkat dari tahun sebelumnya yang sebesar 0,05%. Kenaikan 0.05%. This increase reflects an increase in Retail segment credit ini mencerminkan peningkatan kredit segmen Retail melalui aplikasi through digital applications, but overall credit quality remains well digital, namun secara keseluruhan kualitas kredit tetap terjaga maintained. dengan baik. Dampak Adanya Perubahan Kinerja Bank Impact of Changes in Bank Performance Secara keseluruhan, bisnis inti Allo Bank tetap kuat seperti tercermin Overall, Allo Bank's core business remains strong as reflected in pada perolehan Total Pendapatan Bank sebesar Rp1,440 triliun the Bank's Total Income of IDR1,440 trillion during 2024, where selama tahun 2024, dimana pencapaian tersebut mengalami this achievement has increased by 25% compared to 2023 which peningkatan sebesar 25% dibanding tahun 2023 yang tercatat was recorded at IDR1,153 trillion, driven by a healthy increase in sebesar Rp1,153 triliun, didorong oleh peningkatan yang sehat pada net interest income and other operating income. pendapatan bunga bersih dan pendapatan operasional lainnya. Dari sisi Biaya Operasional, sebagai Bank umum berbasis digital Allo In terms of Operating Costs, as a digital-based general bank, Allo Bank banyak melakukan pengembangan Teknologi Informasi untuk Bank has carried out a lot of Information Technology development mendukung strategi pengembangan produk, layanan dan customer to support product development strategies, services and customer engagement/experience (Good Costs). Di samping itu, Bank juga engagement/experience (Good Costs). In addition, the Bank also terus mengoptimalkan program marketing dan promosi untuk continues to optimize marketing and promotion programs for akuisisi dan engagement untuk meningkatkan top of mind Bank acquisition and engagement to increase the Bank's top of mind di mata nasabah. Dengan demikian, biaya operasional mengalami in the eyes of customers. Thus, operating costs increased by 36% kenaikan 36% dari Rp548 miliar pada tahun 2023 menjadi Rp743 from IDR548 billion in 2023 to IDR743 billion in 2024. miliar pada tahun 2024. Didorong faktor-faktor di atas, laba tahun berjalan tercatat sebesar Driven by the above factors, profit for the year was recorded at Rp467 miliar per tahun 2024, meningkat sedikit sebesar 5% IDR467 billion per year in 2024, increasing slightly by 5% compared dibanding tahun 2023 yang tercatat sebesar Rp445 miliar. to 2023 which was recorded at IDR445 billion. Bank senantiasa berinisiatif untuk menyusun strategi, target jangka The Bank always takes the initiative to develop strategies, short-term pendek dan jangka panjang dalam rangka mengembangkan skala and long-term targets in order to develop the Bank's business scale bisnis Bank sebagai tolak ukur keberhasilan performa dengan as a benchmark for performance success by creating competitive menciptakan keunggulan-keunggulan kompetitif untuk menjadi advantages to become a leading digital-based conventional bank. bank umum berbasis digital terdepan 150 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 153
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Struktur Modal dan Capital Structure and
Kebijakan Manajemen Management Policy on
atas Struktur Modal Capital Structure
Kebijakan Struktur Modal Capital Structure Policy
Allo Bank senantiasa mengelola struktur Allo Bank always manages its capital structure
permodalan dengan tujuan untuk memastikan with the aim of ensuring that the Bank has
bahwa Bank memiliki modal kuat untuk strong capital to support its current strategy and
mendukung strategi yang diterapkan saat maintain the continuity of future development.
ini dan mempertahankan kelangsungan This policy also aims to meet capital adequacy
pengembangan di masa mendatang. Kebijakan requirements set by regulators and to ensure
ini juga bertujuan untuk memenuhi ketentuan the efficiency of the Bank's capital structure. For
kecukupan permodalan yang ditetapkan oleh this reason, the Bank always plans its capital
regulator serta memastikan efisiensi struktur structure based on an assessment and review of
permodalan Bank. Untuk itu, Bank senantiasa the required capital requirements and combines
melakukan perencanaan struktur modal them with the current economic conditions.
berdasarkan penilaian dan penelaahan atas
kebutuhan permodalan yang dipersyaratkan
dan mengkombinasikannya dengan kondisi
ekonomi yang terjadi.
Rencana permodalan yang disusun oleh The capital plan prepared by the Board of
Direksi menjadi bagian dari Rencana Bisnis Directors has become part of the Bank's
Bank (RBB) yang selanjutnya disetujui oleh Business Plan (RBB), which is then approved by
Dewan Komisaris. Rencana permodalan Bank the Board of Commissioners. The Bank's capital
disusun berdasarkan penilaian atas kecukupan plan is prepared based on an assessment of
kebutuhan permodalan yang dipersyaratkan, the adequacy of required capital requirements,
rencana pengembangan usaha, serta business development plans, and the Bank's
kebutuhan likuiditas Bank. liquidity needs.
Dasar Pemilihan Struktur Modal Basis for Selecting Capital Structure
Pengelolaan struktur modal Bank senantiasa The management of the Bank's capital structure
mengacu pada Peraturan Otoritas Jasa uses Financial Services Authority Regulation
Keuangan (POJK) No. 11/POJK.03/2016 tentang (POJK) No. 11/POJK.03/2016 concerning the
Kewajiban Penyediaan Modal Minimum Bank Minimum Capital Provision Obligation for
Umum yang menetapkan struktur modal paling Commercial Banks as a reference. It stipulates
rendah sebesar 9%-14% dari ATMR sesuai a minimum capital structure of 9%-14% of
dengan Tingkat Profil Risiko. Berdasarkan Risk Weighted Assets in accordance with the
penilaian internal, Direksi menetapkan Rasio Bank's Risk Profile Level. Based on internal
Penyediaan Modal Minimum (KPMM) Bank assessments, the Board of Directors has set the
adalah sebesar 9,90% atau memenuhi Bank's Minimum Capital Provision Ratio (KPMM)
ketentuan yang berlaku. at 9,90%, which meets applicable provisions.
2024 Annual Report & Sustainability Report
151
Page 154
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Allo Bank juga telah memenuhi kewajiban modal inti minimum Allo Bank has also met the minimum core capital requirement of
sebesar Rp3 triliun sesuai dengan POJK No. 12/POJK.03/2020 IDR3 trillion in accordance with POJK No. 12/POJK.03/2020 dated
tanggal 16 Maret 2020 tentang Konsolidasi Bank Umum. Hal March 16, 2020 concerning the Consolidation of Commercial
tersebut sejalan dengan masuknya Allo Bank ke dalam Kelompok Banks. This is in line with Allo Bank's entry into the Core Capital
Bank Berdasarkan Modal Inti 2 (KBMI 2) menyusul dengan Right Based Bank Group 2 (KBMI 2) following a Right Issue conducted
Issue yang dilakukan pada tahun 2022. in 2022.
Rincian Struktur Modal Capital Structure Details
Berdasarkan POJK No. 11/POJK.03/2016 tentang Kewajiban In accordance with POJK No. 11/POJK.03/2016 concerning the
Penyediaan Modal Minimum Bank Umum, struktur permodalan Minimum Capital Provision Obligation of Commercial Banks,
Bank terdiri dari Modal Inti (Tier 1) dan Modal Pelengkap (Tier 2). the Bank's capital structure consists of Core Capital (Tier 1) and
Struktur permodalan Allo Bank dalam 2 (dua) tahun terakhir yang Supplementary Capital (Tier 2). Allo Bank's capital structure in the
memperhatikan risiko-risiko terkait dapat dilihat sebagai berikut: last 2 (two) years that takes into account related risks can be seen
detailed below:
Kenaikan (Penurunan)
Increase (Decrease)
2024 2023
Uraian
Description (Rp juta) (Rp juta) Nominal (Rp juta)
(IDR million) (IDR million) Persentase (%)
Nominal (IDR
Percentage (%)
million)
Modal Inti (Tier 1) 7.112.796 6.811.607 301.189 4,42%
Core Capital (Tier 1)
Modal Pelengkap (Tier 2) 75.392 87.725 (12.333) -14,06%
Additional Capital (Tier 2)
Total Modal 7.188.188 6.899.332 288.856 4,19%
Total Capital
ATMR Risiko Kredit 8.256.451 7.963.833 292.619 3,67%
RWA with Credit Risk
ATMR Risiko Pasar - - - -
RWA with Market Risk
ATMR Risiko Operasional 448.282 313.432 134.850 43,02%
RWA with Operational Risk
Total ATMR 8.704.733 8.277.265 427.468 5,16%
Total RWA
Rasio KPMM sesuai Profil Risiko (%) 9,90% 9,90% - -
CAR Ratio Based on Risk Profile (%)
Dari CET 1 (%) 9,03% 8,84% 0,19% 2,19%
From CET 1 (%)
Dari AT 1 (%) - - - -
From AT 1 (%)
Dari Tier 2 (%) 0,87% 1,06%. -0,19% -18,28%
From AT 2 (%)
Rasio KPMM
CAR Ratio
Rasio CET 1 81,71% 82,29% -0,58% -0,71%
Ratio CET 1
Rasio Tier 1 81,71% 82,29% -0,58% -0,71%
Ratio Tier 1
Rasio Tier 2 0,87% 1,06% -0,19% -18,28%
Ratio Tier 2
CET 1 untuk Buffer (%) 72,68% 73,45% -0,77% -1,05%
CET 1 for Buffer (%)
152 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 155
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Kenaikan (Penurunan)
Increase (Decrease)
2024 2023
Uraian
Description (Rp juta) (Rp juta) Nominal (Rp juta)
(IDR million) (IDR million) Persentase (%)
Nominal (IDR
Percentage (%)
million)
Persentase Buffer yang Wajib Dipenuhi oleh Bank:
Percentage of Buffer Required by Banks:
Capital Conservation Buffer 2,50% 2,50% - -
Countercyclical Buffer - - - -
Capital Surcharge untuk Bank Sistemik - - - -
Capital Surcharge for Systemic Banks
Komitmen dan Kontingensi
Commitments and Contingencies
Kenaikan (Penurunan)
Increase (Decrease)
2024 2023
Uraian
Description (Rp juta) (Rp juta) Nominal (Rp juta)
(IDR million) (IDR million) Persentase (%)
Nominal (IDR
Percentage (%)
million)
Komitmen
Commitment
Liabilitas Komitmen
Commitment Liabilities
Fasilitas Kredit kepada Nasabah yang Belum (2.337.458) (769.051) (1.568.407) 203,94%
Digunakan
Unused Loan Facilities to Debtors
Kontingensi
Contingencies
Tagihan Kontingensi
Contingencies Receivables
Pendapatan Bunga dalam Penyelesaian 14.302 5.324 8.978 168,63%
Past Due Interest Receivables
Kredit Hapus Buku 99.493 35.198 64.295 182,67%
Written-off Loans
Total Komitmen dan Kontingensi – Neto (2.223.663) (728.529) (1.495.134) 205,23%
Total Commitments and Contingencies – Net
2024 Annual Report & Sustainability Report
153
Page 156
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Ikatan yang
Material untuk Material Commitments for
Investasi Barang Modal Capital Goods Investment
Sampai dengan 31 Desember 2024, Bank tidak memiliki ikatan As of December 31, 2024, the Bank has no material commitments
yang material untuk investasi barang modal. Dengan demikian, for capital goods investment. As such, this report has no information
tidak terdapat informasi yang berkaitan dengan hal tersebut, seperti related to this (such as the name of the party entering into the
nama dari pihak yang melakukan ikatan, tujuan dari perikatan, agreement, the purpose of the agreement, the source of funds
sumber dana yang disiapkan untuk memenuhi perikatan tersebut, prepared to fulfill the agreement, the currency denomination in
denominasi mata uang dalam ikatan tersebut, dan langkah-langkah the agreement, and the steps planned by the Bank to protect the
yang direncanakan Bank untuk melindungi risiko dari posisi mata risk from the related foreign currency position).
uang asing yang terkait.
Realisasi Investasi Realization of Capital
Barang Modal Goods Investment
Jenis dan Nilai Investasi Barang Modal Type and Value of Capital Goods Investment
Bank memandang bahwa investasi barang modal merupakan salah The Bank is of the view that capital goods investment serves as
satu hal yang penting dalam mengembangkan bisnis secara jangka one of the important things for developing a long-term business.
panjang. Adapun realisasi investasi barang modal pada tahun 2024 The realization of capital goods investment in 2024 and 2023
dan 2023 dapat dilihat sebagai berikut: can be seen below:
Kenaikan (Penurunan)
Increase (Decrease)
2024 2023
Uraian
Description (Rp juta) (Rp juta) Nominal (Rp juta)
(IDR million) (IDR million)
Nominal (IDR
Persentase (%)
Percentage (%)
million)
Renovasi Bangunan 541 1.053 (512) -48,62%
Building Renovations
Kendaraan 18 771 (753) -97,67%
Vehicles
Peralatan Kantor 110.526 13.850 96.676 698,02%
Office Equipment
Aset dalam Penyelesaian - 72.657 (72.657) -100,00%
Assets in progress
Aset Hak Guna Sewa 7.350 4.943 2.407 48,70%
Leasehold use right asset
Jumlah 118.435 93.274 25.161 26,98%
Total
154 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 157
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Di tahun 2024, realisasi barang modal yang dilakukan Bank adalah In 2024, the realization of capital goods carried out by the Bank
sebesar Rp118,4 miliar, meningkat Rp25,2 miliar atau 26,98% was IDR118.4 billion, an increase of IDR25.2 billion or 26.98%
dibanding tahun 2023 yang sebesar Rp93,74 miliar. Peningkatan compared to 2023 which was IDR93.74 billion. This increase was
ini lebih disebabkan oleh realisasi investasi barang modal jenis more due to the realization of investment in capital goods in the
peralatan kantor. form of office equipment.
Tujuan Investasi Barang Modal
Purpose of Capital Goods Investment
Secara umum, tujuan utama investasi barang modal yang dilakukan
Bank adalah untuk membeli atau menambah aset tetap yang dimiliki In general, the main purpose of capital goods investment carried out
oleh Bank guna menunjang kegiatan operasional sehari-hari. by the Bank is to purchase or add fixed assets owned by the Bank
Investasi ini diharapkan dapat memenuhi kegiatan operasional to support daily operational activities. This investment is expected to
sejalan dengan ekspansi bisnis yang berkesinambungan sehingga fulfill operational activities in line with sustainable business expansion
mampu memberikan nilai tambah bagi Bank di masa mendatang. so as to provide added value to the Bank in the future.
Informasi Material mengenai
Investasi, Ekspansi, Material Information
Divestasi, Penggabungan regarding Investment,
Expansion, Divestment,
Usaha, Akuisisi dan/atau Merger, Acquisition and/or
Restrukturisasi Utang/Modal Debt/Capital Restructuring
Hingga 31 Desember 2024, Bank tidak memiliki informasi material As of December 31, 2024, the Bank does not have any material
mengenai investasi, ekspansi, divestasi, penggabungan usaha, information regarding investment, expansion, divestment, merger,
akuisisi dan/atau restrukturisasi utang/modal yang berpengaruh acquisition and/or debt/capital restructuring of any kind that affects
terhadap kinerja keuangan maupun kinerja operasional Perusahaan. the Company's financial performance or operational performance.
Dengan demikian, tidak terdapat informasi tersebut yang dapat As such, there is no such information on this matter that can be
disampaikan dalam Laporan Tahunan ini. conveyed in this Annual Report.
2024 Annual Report & Sustainability Report
155
Page 158
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Perbandingan antara
Target Anggaran Comparison between
Budget Targets and
dengan Realisasi dan Realizations, and Business
Proyeksi Usaha Projections
Bank secara rutin menyusun dan menetapkan The Bank routinely prepares and establishes a
Rencana Bisnis Bank (RBB) setiap awal tahun Bank Business Plan (RBB) at the beginning of
buku dengan tujuan untuk menetapkan target each financial year with the aim of setting its list
yang hendak dicapai. RBB disusun dengan of targets to be achieved. The RBB was prepared
memperhatikan kondisi yang terjadi sepanjang by taking into account the conditions that occur
tahun 2024 sehingga dapat mendukung throughout 2024 so that it could support the
tercapainya visi dan misi Bank. Perbandingan achievement of the Bank's vision and mission.
antara realisasi dan target pada tahun 2024 The comparison between the realizations and
serta proyeksi tahun 2025 dapat dilihat sebagai targets in 2024 and the projection for 2025
berikut: can be seen below:
Pencapaian RBB 2025
Realisasi Realisasi RBB 2025
terhadap
2024 RBB 2024 terhadap RBB RBB 2025 terhadap
Uraian Realisasi
(Rp miliar) (Rp miliar) 2024 (%) (Rp miliar) RBB 2024 (%)
Description 2024 2024 RBB 2025 RBB 2024 (%) 2025 RBB
Realization
(IDR-billion) (IDR-billion) 2025 RBB
Realization Achievement against
against 2024
(IDR-billion) against 2023 2024 RBB (%)
Realization (%)
RBB (%)
Pendapatan Bunga bersih 1.113 1.118 100,4% 1.377 123,2% 123,7%
Net Interest Income
Laba Tahun Berjalan Sebelum Pajak 581 599 103,1% 598 99,8% 102,9%
Profit of the Year Before Tax
Total Aset 13.631 13.984 102,6% 16.810 120,2% 123,3%
Total Assets
Kredit yang Diberikan 7.935 7.478 94,2% 9.700 129,7% 122.2%
Loans
Dana Pihak Ketiga 5.305 6.095 114,9% 8.410 138,0% 158,5%
Third Party Funds
Total Ekuitas 7.335 7.266 99,1% 7.532 103,7% 102,7%
Total Equity
NPL Gross (%) 0,72% 0,81% 113,6% 1,03% 126,6% 143,9%
CAR (%) 77,90% 82,58% 106,0% 71,45% 86,5% 91,7%
156 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 159
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Informasi dan Fakta
Material yang Terjadi Material Information and
setelah Tanggal Facts Occurring after the
Laporan Akuntan Accountant's Report Date
Sejak akhir periode 31 Desember 2024 hingga From the end of the period of December 31,
tanggal laporan akuntan pada 18 Februari 2025, 2024 until the accountant's report date on
Bank tidak memiliki peristiwa atau kejadian February 18, 2025, the Bank has not had any
penting yang berpengaruh signifikan terhadap significant events or incidents that have had
laporan keuangan Bank. any significant impact on the Bank's financial
statements.
Dampak Nilai Tukar
Mata Uang Asing Impact of Foreign Exchange Rates
Sampai dengan 31 Desember 2024, Bank As of December 31, 2024, the Bank has carried
menjalankan seluruh kegiatan usahanya dengan out all of its business activities using the Rupiah
menggunakan mata uang Rupiah. Dengan currency. As such, there is no information
demikian, tidak terdapat informasi mengenai regarding the impact of foreign exchange rates
dampak nilai tukar mata uang asing yang dapat that can be presented in this Annual Report.
disajikan dalam Laporan Tahunan ini.
Prospek
Usaha Business Prospects
Sebagaimana dikutip dari Buku Pertemuan Indonesia's economic recovery process
tahunan Bank Indonesia 2024 yang dirilis pada continued in 2024 with good growth that is
29 November 2024, menjelaskan bahwa proses expected to reach greater heights in 2025 and
pemulihan ekonomi Indonesia terus berlanjut 2026, as quoted from the Bank Indonesia 2024
pada 2024 dengan pertumbuhan yang tetap Annual Meeting Book released on November
baik dan diperkirakan akan lebih tinggi pada 29, 2024. Economic growth until the fourth
2025 dan 2026. Pertumbuhan ekonomi hingga quarter of 2024 was quite good thanks to
triwulan 2024 cukup baik didukung oleh domestic demand. Investment continued to
permintaan domestik. Investasi tetap membaik, improve, especially building investment in line
khususnya investasi bangunan sejalan dengan with the completion of various National Strategic
penyelesaian berbagai Proyek Strategis Nasional Projects. Household consumption, especially
(PSN). Konsumsi rumah tangga, khususnya kelas within the upper middle class, remained well-
menengah ke atas, tetap terjaga. Ekspor nonmigas maintained. Non-oil and gas exports grew
tumbuh relatif tinggi di tengah perlambatan relatively high amid global economic slowdown
ekonomi global dan penurunan harga komoditas. and falling commodity prices.
2024 Annual Report & Sustainability Report
157
Page 160
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Sementara itu, impor meningkat baik untuk kebutuhan ekspor Meanwhile, imports increased both for export needs and domestic
maupun permintaan domestik, dan karenanya menyebabkan demand. This caused a decline in economic growth. In the fourth
penurunan pertumbuhan ekonomi. Pada triwulan IV 2024, quarter of 2024, economic growth remained good thanks to
pertumbuhan ekonomi diperkirakan tetap baik ditopang terutama the support of increased investment and maintained household
oleh kenaikan investasi dan terjaganya konsumsi rumah tangga, consumption, as well as increased government spending at the
serta peningkatan belanja Pemerintah pada akhir tahun. end of the year.
Secara keseluruhan tahun, pertumbuhan ekonomi 2024 berada Overall, economic growth in 2024 is at 5.03% and is expected to
pada 5,03% dan diperkirakan akan meningkat lebih tinggi pada increase higher in 2025 and 2026 in the range of 4.8-5.6% and
2025 dan 2026 masing-masing dalam kisaran 4,8-5,6% dan 4.9-5.7% respectively. Going forward, various efforts need to be
4,9-5,7%. Ke depan, berbagai upaya perlu terus ditempuh untuk continuously taken to encourage economic growth, both from the
mendorong pertumbuhan ekonomi, baik dari sisi permintaan demand side and from the supply side. To that end, Bank Indonesia
maupun dari sisi penawaran. Untuk itu, Bank Indonesia memperkuat is strengthening its policy mix to encourage higher economic
bauran kebijakan untuk mendorong pertumbuhan ekonomi agar growth, and in close synergy with the Government's fiscal stimulus
lebih tinggi, dan bersinergi erat dengan kebijakan stimulus fiskal policy. From the supply side, structural reform policies need to be
Pemerintah. Dari sisi penawaran, kebijakan reformasi struktural continuously strengthened to encourage economic sectors that can
perlu terus diperkuat untuk mendorong sektor ekonomi yang absorb labor. These efforts are supported by the optimization of
dapat menyerap tenaga kerja. Upaya tersebut didukung dengan macroprudential policy stimulus and the acceleration of digitalization
optimalisasi stimulus kebijakan makroprudensial dan akselerasi of payment transactions taken by Bank Indonesia.
digitalisasi transaksi pembayaran yang ditempuh Bank Indonesia.
Di sisi lain, likuiditas perbankan tetap longgar sejalan dengan On the other hand, banking liquidity remained loose in line with
kebijakan Bank Indonesia, sementara likuiditas perekonomian sesuai Bank Indonesia's policy, while economic liquidity was in accordance
dengan aktivitas di sektor riil. Likuiditas dapat diukur jumlahnya di with activities in the real sector. Liquidity can be measured in terms
sektor perbankan dan yang beredar di perekonomian. Likuiditas of the amount in the banking sector and that circulating in the
perekonomian biasa diukur dengan jumlah uang beredar, baik economy. Economic liquidity is usually measured by the amount
dalam arti sempit untuk kebutuhan transaksi konsumsi (Uang Primer, of money in circulation, both in the narrow sense for consumption
M0) maupun dalam arti luas yang juga termasuk simpanan (Uang transaction needs (Primary Money, M0) and in the broad sense
Beredar, M1, dan M2). Karenanya, kondisi likuiditas perekonomian which also includes savings (Money in Circulation, M1, and M2).
akan mencerminkan tingkat pertumbuhan ekonomi secara nominal. As a result, the condition of economic liquidity will reflect the level
of economic growth in nominal terms.
Kondisi likuiditas perekonomian tentunya akan naik apabila The condition of economic liquidity will certainly increase if real
pertumbuhan ekonomi riil meningkat. Sementara itu, likuiditas economic growth increases. Meanwhile, banking liquidity is a liquid
perbankan merupakan aktivitas likuid yang belum dipergunakan activity that has not been used in credit distribution, which is stored
dalam penyaluran kredit, yang disimpan dalam bentuk kas, dan in cash, and invested in securities as part of a bank's asset portfolio
diinvestasikan dalam surat-surat berharga sebagai bagian dari strategy. This is usually measured by the Liquid Assets/Third Party
strategi portofolio aset bank. Ini biasa diukur dengan rasio Alat Funds (AL/DPK) ratio, Liquidity Coverage Ratio (LCR), and Net
Likuid/Dana Pihak Ketiga (AL/DPK), Liquidity Coverage Ratio (LCR), Stable Funding Ratio (NSFR). The liquid assets in question come
dan Net Stable Funding Ratio (NSFR). Alat likuid dimaksud berasal from the accumulation of funds collected from Third Party Funds,
dari akumulasi pengumpulan dana baik dari DPK, penerbitan surat the issuance of securities, and foreign loans. As an accumulation of
berharga, dan pinjaman luar negeri. Sebagai akumulasi dana yang funds that have not been channeled to credit, its measurement can
belum disalurkan ke kredit, maka ukurannya dapat pula dengan also be done by the Loan-to-Deposit (LDR) ratio and is not exactly
rasio Loan-to-Deposit (LDR) dan tidak tepat dengan pertumbuhan the same as Third Party Fund growth. The liquidity conditions of
DPK. Kondisi likuiditas bank per bank tentunya ditentukan oleh each bank are of course determined by how prudent the bank in
seberapa bank yang bersangkutan prudent dalam pengelolaan question is in managing its liquidity and distributing credit.
likuiditas dan penyaluran kreditnya.
Faktor-faktor eksternal yang menjadi evaluasi manajemen Allo External factors that are evaluated by Allo Bank management
Bank meliputi kondisi politik, ekonomi, sosial, teknologi, hukum, include political, economic, social, technological, legal, ecological
ekologi dan etika. Selain itu, Bank juga melakukan evaluasi and ethical conditions. In addition, the Bank also evaluates the
terhadap ketentuan baik yang telah berlaku maupun akan berlaku provisions that have been in effect or will be in effect from the
dari pemerintah dan regulator. Faktor dinamika pasar berupa government and regulators. Market dynamics factors in the form
perubahan kebutuhan nasabah serta perkembangan industri of changes in customer needs and the development of the banking
perbankan tentunya menjadi salah satu fokus Bank untuk dapat industry are certainly one of the Bank's focuses that need to be
menyampaikan produk dan layanan secara tepat kepada target taken into consideration to be able to deliver products and services
pasar yang ditentukan. appropriately to the specified target market.
158 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 161
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Berdasarkan faktor-faktor yang dievaluasi tersebut di atas, Bank The Bank formulates the direction of the Bank's policy related to
merumuskan arah kebijakan Bank terkait dengan langkah-langkah strategic business steps with a digital-based business approach
bisnis yang bersifat strategis dengan pendekatan bisnis berbasis digital. by making use of the aforementioned factors. The needs of Retail
Kebutuhan nasabah segmen Retail dan Wholesale dalam bertransaksi and Wholesale segment customers in transacting in the digital era
pada era digital adalah prioritas utama Bank dalam menciptakan serve as the Bank's main priority in creating innovative digital-based
produk dan layanan berbasis digital yang inovatif dan memberikan products and services that provide economic benefits not only for
kemanfaatan ekonomi tidak hanya untuk Bank tetapi juga nasabah. the Bank but also for customers.
Di tahun 2025, Bank akan menjalankan model bisnis Hibrida In 2025, the Bank will run a Hybrid business model where Retail
dimana aktivitas segmen Retail dan Wholesale akan berjalan secara and Wholesale segment activities will run side by side and be
beriringan dan terintegrasi untuk mendukung pertumbuhan bisnis integrated to support optimal Bank business growth. The Bank
Bank yang optimal. Bank akan mengutamakan aktivitas berbasis will prioritize digital-based activities (digital first) and integration of
digital (digital first) dan integrasi layanan finansial dengan ekosistem financial services with partner ecosystems (ecosystem first) in order
mitra (ecosystem first) dalam rangka menjalankan bisnis Bank. to run the Bank's business. The Bank will continue to implement
Bank akan tetap menerapkan 3 pilar strategi yaitu Acquisition, 3 pillars of strategy, specifically, Acquisition, Engagement and
Engagement dan Monetization dalam pengembangan aktivitas Monetization in developing the Bank's activities and products.
maupun produk Bank. Bank akan melakukan optimalisasi kapabilitas The Bank will optimize data analytics and Artificial Intelligence (AI)
data analytics dan Artificial Intelligence (AI) untuk menghasilkan capabilities to produce effective Customer Insight and efficient risk
Customer Insight yang efektif dan manajemen risiko yang efisien. management. In addition, the Bank will also continue to develop
Selain itu, Bank juga akan senantiasa mengembangkan Sumber Human Resources and strengthen Good Corporate Governance
Daya Manusia dan memperkuat Good Corporate Governance in an integrated and sustainable manner.
secara terintegrasi dan berkesinambungan.
Aspek
Pemasaran Marketing Aspects
Strategi Pemasaran Marketing Strategy
Seiring dengan semakin berkembang dan ketatnya persaingan di Along with the increasingly growing and tight competition in the
industri perbankan, khususnya bank umum berbasis digital membuat banking industry, especially digital-based conventional banks,
Allo Bank terus mengoptimalkan strategi guna mengoptimalkan Allo Bank continues to optimize strategies to optimize the Bank's
kinerja Bank. Hal tersebut dilakukan dengan mengembangkan performance. This is done by developing the main ecosystem as the
ekosistem utama sebagai fokus Bank agar dapat mewujudkan tujuan Bank's focus in order to realize business goals and provide added
bisnis dan dapat memberikan nilai tambah kepada nasabah maupun value to customers and other stakeholders. The Bank continues to
pemangku kepentingan lainnya. Bank terus memperkuat fondasi strengthen its business foundation as a digital-based commercial
bisnisnya selaku Bank umum berbasis digital dengan memperkuat bank by strengthening synergy with the CT Corpora ecosystem
sinergi dengan ekosistem CT Corpora dan mitra strategis lainnya. and other strategic partners. The Bank also positions itself as a
Bank juga memposisikan diri sebagai bank umum berbasis digital digital-based commercial bank that focuses on providing the best
yang berfokus untuk memberikan produk dan layanan terbaik secara products and services online with a limited number of branch offices
daring dengan jumlah kantor cabang yang terbatas sehingga para so that customers can access banking services easily.
nasabah dapat mengakses layanan perbankan dengan mudah.
Terkait hal ini, Bank terus mengembangkan strategi pemasaran, In this regard, the Bank continues to develop marketing strategies,
promosi produk-produk baru dan corporate branding yang baik promotions of new products and good corporate branding so that
agar persepsi Allo Bank sebagai sebuah bank yang sehat, credible the perception of Allo Bank as a healthy, credible and trusted bank
dan dapat dipercaya masyarakat dapat terus meningkat. by the public can continue to increase.
2024 Annual Report & Sustainability Report
159
Page 162
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Pangsa Pasar Market Share
Kebutuhan nasabah dalam bertransaksi pada era digital adalah Customer needs in transacting in the digital era are the Bank's main
prioritas utama Bank dalam menciptakan produk & layanan berbasis priority in creating innovative digital-based products & services
digital yang inovatif dan memberikan kemanfaatan ekonomi tidak that provide economic benefits not only for the Bank but also
hanya untuk Bank tetapi juga nasabah. Bank senantiasa berinisiatif for customers. The Bank always takes the initiative to formulate
untuk menyusun strategi, target jangka pendek dan jangka panjang strategies, short-term and long-term targets in order to develop the
dalam rangka mengembangkan skala bisnis Bank sebagai tolak Bank's business scale as a benchmark for successful performance
ukur keberhasilan performa dengan menciptakan keunggulan by creating competitive advantages to become a leading digital-
keunggulan kompetitif untuk menjadi bank umum berbasis digital based general bank. In these challenging economic conditions, the
terdepan. banking industry is expected to develop as one of the foundations
for maintaining the resilience of the national economy.
Dalam kondisi ekonomi yang menantang ini industri perbankan One way that is generally done by the banking industry is to digitize
diharapkan untuk berkembang sebagai salah satu fondasi untuk banking services. This is done to increase access to banking services
menjaga ketahanan perekonomian nasional. Salah satu cara yang to people who are included in the bankable population criteria but
secara umum dilakukan oleh industri perbankan adalah melakukan do not have a bank account. The potential for increasing digital
digitalisasi layanan perbankan. Hal ini dilakukan untuk meningkatkan banking services is still quite high. According to the Indonesia
akses terhadap layanan perbankan kepada masyarakat yang termasuk e-Conomy SEA 2022 report compiled by Google, Temasek and
kriteria bankable population namun tidak memiliki akun pada bank. Bain, digital payment services will grow to reach 421 billion USD
Potensi peningkatan layanan perbankan secara digital masih cukup with a Compound Annual Growth Rate (“CAGR”) of 17%, digital
tinggi. Menurut laporan Indonesia e-Conomy SEA 2022 yang disusun loans will grow to 16 billion USD in 2025 with a CAGR of 51%,
oleh Google, Temasek and Bain, layanan pembayaran secara digital and digital remittance services will grow to 3 billion USD with a
akan tumbuh mencapai 421 miliar USD dengan Compound Annual CAGR of 26% in 2025.
Growth Rate (“CAGR”) sebesar 17%, pinjaman digital akan tumbuh
mencapai 16 miliar USD pada tahun 2025 dengan CAGR sebesar
51%, serta layanan remitansi secara digital akan tumbuh mencapai
3 miliar USD dengan CAGR sebesar 26% pada tahun 2025.
Kebijakan Dividen
dan Pembagiannya Dividend Policy and Distribution
Kebijakan Pembagian Dividen Dividend Distribution Policy
Pembayaran dividen yang dilakukan oleh Bank dilakukan sesuai The Bank's dividend payments are made in accordance with Law
dengan Undang-Undang No. 40 Tahun 2007 tentang Perseroan No. 40 of 2007 concerning Limited Liability Companies and internal
Terbatas dan kebijakan internal mengenai pembagian dividen. policies regarding dividend distribution. With reference to Article
Mengacu pada Pasal 71 ayat 3 Undang-Undang No. 40 Tahun 71 Paragraph 3 of Law No. 40 of 2007, and with reference to the
2007, Anggaran Dasar Bank dan kebijakan internal, Bank dapat Bank's Articles of Association and internal policies, the Bank may
membagikan dividen kepada pemegang saham apabila Bank distribute dividends to shareholders if the Bank has a positive
memiliki saldo laba yang positif dan sesuai dengan kemampuan profit balance and is in accordance with the company's financial
keuangan perusahaan, berdasarkan ketentuan yang berlaku. capabilities on the basis of applicable provisions. The dividend
Rencana pembagian dividen didasarkan atas pemenuhan hak distribution plan is based on the fulfillment of shareholder rights
pemegang saham dengan mengutamakan kepentingan Bank tanpa by prioritizing the interests of the Bank without ignoring a number
mengabaikan sejumlah faktor, seperti tingkat kesehatan keuangan, of factors, such as the Bank's level of financial health, the level of
tingkat kecukupan modal, serta kebutuhan dana untuk ekspansi capital adequacy, and the need for funds for business expansion
usaha tanpa mengurangi hak dari RUPS untuk menentukan lain without reducing the rights of the GMS to determine otherwise
sesuai dengan ketentuan Anggaran Dasar. in accordance with the provisions of the Articles of Association.
160 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 163
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Kronologis Pembagian Dividen
Chronology of Dividend Distribution
2024 2023
Dividen Saham
Stock Dividend (untuk Dividen Saham Tahun Buku 2023) (untuk Dividen Saham Tahun Buku 2022)
(for the 2023 Fiscal Year Share Dividend) (for the 2022 Fiscal Year Share Dividend)
Laba Bersih (Rp juta) 444.566 270.030
Net profit (IDR million)
Jumlah Dividen (Rp) Nihil Nihil
Total Dividend (IDR) Nil Nil
Dividen Per Saham (Rp) - -
Dividend per Share (Rp)
Payout Ratio (%) - -
Tanggal Pengumuman - -
Announcement Date
Tanggal Pembayaran - -
Payment date
Informasi tentang Program
Information on Employee
Kepemilikan Saham and/or Management Stock
oleh Karyawan dan/atau Ownership Programs
Manajemen (ESOP/MSOP) (ESOP/MSOP)
Sampai dengan 31 Desember 2024, Bank tidak memiliki program As of December 31, 2024, the Bank does not have an employee
kepemilikan saham oleh karyawan (ESOP) dan/atau manajemen (ESOP) and/or management (MSOP) stock ownership program. As
(MSOP). Dengan demikian, tidak terdapat informasi terkait ESOP/ such, there is no information related to ESOP/MSOP that can be
MSOP yang dapat disajikan dalam Laporan Tahunan ini presented in this Annual Report
2024 Annual Report & Sustainability Report
161
Page 164
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Informasi tentang Realisasi Penggunaan
Dana Hasil Penawaran Umum
Allo Bank telah melakukan Penawaran Umum Terbatas (PUT) di tahun 2022 dalam rangka Penambahan Modal dengan Memberikan
Hak Memesan Efek Terlebih Dahulu (PMHMETD) III kepada para pemegang saham sebanyak 10.047.322.871 saham biasa atau sebesar
46,24% dari modal ditempatkan dan disetor penuh setelah PMHMETD III dengan nilai nominal Rp100 setiap saham dengan Harga
Pelaksanaan Rp478 per saham, sehingga jumlah dana yang diterima Bank dalam PMHMETD III ini sebesar Rp4.802.620 juta. Adapun
realisasi penggunaan dana hasil penawaran umum tersebut per 31 Desember 2024 adalah sebagai berikut:
Rencana Penggunaan Dana
Nilai Realisasi Hasil Penawaran Umum
Realization of Fund Resulting from Public Offering Menurut Prospektus
Jenis Plan on the Appropriation of Fund
Penawaran Tanggal
No Jumlah Hasil
Umum Efektif Biaya Infrastruktur
Effective Date Penawaran
Public Offering Penawaran
Type
Umum Hasil Bersih Kredit (85%) IT
Umum
Total Fund Net Results Credit (10%)
Public Offering
Resulting from IT Infrastructure
Fee
Public Offering
1 Penawaran 26 Januari 2022 4.802.620 2.224 4.800.396 4.080.336 480.040
Umum
Terbatas III January 26,
Limited Public 2022
Offering III
Berdasarkan dana hasil PMHMETD III yang diperoleh Bank (setelah dikurangi komisi, biaya, dan bebas emisi lainnya), digunakan dengan
rincian sebagai berikut:
1. Rp4.080.336 juta (85%) untuk Kredit;
2. Rp480.040 juta (10%) untuk Infrastruktur IT;
3. Rp240.020 juta (5%) untuk Pengembangan operasional.
162 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 165
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Information on the Realization of the Use
of Proceeds from the Public Offering
Allo Bank has conducted a Limited Public Offering in 2022 in the context of Capital Increase by Providing Pre-emptive Rights (PMHMETD)
III to shareholders. This came in the form of 10,047,322,871 ordinary shares or 46.24% of the issued and fully paid-up capital after
PMHMETD III with a nominal value of IDR100 per share with an Exercise Price of IDR478 per share. As a result, the amount of funds
received by the Bank through PMHMETD III was IDR4,802,620 million. The funds from this public offering were used in the following
ways as per 31 December 2024:
Realisasi Penggunaan Dana Menurut Prospektus
Realization of Use of Funds According to Prospectus Sisa Dana
Hasil
Penawaran
Pengembangan Umum
Pengembangan
Operasional Remaining Funds
Jumlah Kredit Infrastruktur IT Operasional Jumlah from Public
(5%) Total Credit IT Infrastructure Operational Total
Operational Offering
Development
Development
240.020 4.800.396 4.080.336 480.040 240.020 4.800.396 -
The funds from PMHMETD III obtained by the Bank (after deducting commissions, fees, and other emissions) were used in the following ways:
1. IDR4,080,336 million (85%) for Credit;
2. IDR480,040 million (10%) for IT Infrastructure;
3. IDR240,020 million (5%) for Operational Development.
2024 Annual Report & Sustainability Report
163
Page 166
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Informasi Transaksi
Material yang Mengandung Information on Material
Transactions Containing
Benturan Kepentingan dan/ Conflicts of Interest and/or
atau Transaksi dengan Pihak Transactions with Affiliated
Afiliasi/Pihak Berelasi Parties/Related Parties
Kebijakan Mekanisme Review atas Policy on Review Mechanisms for
Transaksi dan Pemenuhan Peraturan Transactions and Compliance with
dan Ketentuan Terkait Related Regulations and Provisions
Bank telah memiliki kebijakan terkait transaksi The Bank has a policy related to transactions
yang mengandung benturan kepentingan containing conflicts of interest and/or
dan/atau transaksi dengan pihak berelasi. transactions with related parties. The Bank
Bank melakukan seluruh transaksi dengan carries out all transactions with affiliated parties
pihak afiliasi dengan memperhatikan prinsip by observing the principle of prudence in
kehati-hatian sesuai dengan praktik bisnis yang accordance with generally accepted business
berlaku umum serta telah memenuhi Peraturan practices. It has also complied with OJK
OJK No. 42/POJK.04/2020 tentang Transaksi Regulation No. 42/POJK.04/2020 concerning
Afiliasi dan Transaksi Benturan Kepentingan Affiliated Transactions and Conflict of Interest
dan PSAK No. 7 tentang Pengungkapan Pihak- Transactions and PSAK No. 7 concerning
pihak Berelasi. Disclosure of Related Parties.
Direksi senantiasa memastikan seluruh kegiatan The Board of Directors always ensures that
transaksi afiliasi yang dilakukan telah melalui all affiliated transaction activities carried out
proses yang memadai sesuai dengan prinsip have gone through an adequate process in
transaksi yang wajar (arm’s length principle). accordance with the Arm's Length Principle.
Dewan Komisaris dan Komite Audit juga telah The Board of Commissioners and the Audit
melakukan review untuk memastikan bahwa Committee have also conducted a review to
transaksi afiliasi dilaksanakan sesuai dengan ensure that affiliated transactions are carried
praktik bisnis yang berlaku umum dan telah out in accordance with generally accepted
memenuhi prinsip transaksi yang wajar (arm’s business practices and have complied with the
length principle). Mekanisme review atas arm's length principle. The review mechanism
transaksi dengan pihak afiliasi dan/atau pihak for transactions with affiliated parties and/or
berelasi dilakukan melalui proses audit oleh related parties is carried out through an audit
Satuan Kerja Audit Internal yang hasilnya process by the Internal Audit Work Unit, the
kemudian dilaporkan kepada Dewan Komisaris. results of which are then reported to the Board
of Commissioners.
Hingga 31 Desember 2024, Bank tidak As of December 31, 2024, the Bank has had
memiliki transaksi yang mengandung benturan no transactions containing material conflicts of
kepentingan yang bersifat material dan interest that have had any impact on financial
berdampak terhadap kinerja keuangan dan performance and operational performance.
kinerja operasional.
164 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 167
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Transaksi dengan Pihak Berelasi Transactions with Related Parties
Selama tahun buku, Bank melakukan transaksi dengan pihak During the fiscal year, the Bank conducted transactions with related
berelasi yang dilakukan dengan memenuhi prinsip transaksi parties that were carried out in accordance with the Arm’s Length
yang wajar (arm’s length principle) sesuai dengan persyaratan Principle. These transactions were done in accordance with the
yang disetujui oleh kedua belah pihak, yang mungkin tidak sama requirements agreed upon by both parties, which may not be
dengan transaksi lain yang dilakukan dengan pihak-pihak yang the same as other transactions conducted with unrelated parties.
tidak berelasi. Seluruh transaksi dengan pihak berelasi yang All transactions with related parties conducted by the Bank have
dilakukan oleh Bank juga telah sesuai dengan PSAK No. 7 tentang also complied with PSAK No. 7 concerning Disclosure of Related
Pengungkapan Pihak-pihak Berelasi dan Peraturan Bapepam LK Parties and Bapepam LK Regulation No. KEP-347/BL/2012 dated
No. KEP-347/BL/2012 tanggal 25 Juni 2012 tentang Penyajian dan June 25, 2012 concerning Presentation and Disclosure of Financial
Pengungkapan Laporan Keuangan Emiten atau Perusahaan Publik. Statements of Issuers or Public Companies.
Nama, Sifat, Hubungan dan Sifat Transaksi Berelasi
Name, Nature of Relationship, and Nature of Related Transactions
Pihak Berelasi Sifat Hubungan Berelasi Sifat Transaksi
Related Parties Nature of Related Parties Nature of Transactions
Pemegang saham Dana setoran modal, simpanan dan beban bunga
PT Mega Corpora
Shareholders Capital Deposits, Savings,and Interest Expenses
PT Bukalapak.com Pemegang saham Dana setoran modal, simpanan dan beban bunga
Tbk Shareholders Capital Deposits, Savings,and Interest Expenses
Dimiliki oleh Pemegang Saham akhir yang sama Kustodian, Giro pada Bank Lain
PT Bank Mega Tbk
Owned by the same ultimate shareholder Custodian, Current Account with Other Banks
PT Bank Mega Dimiliki oleh Pemegang Saham akhir yang sama Giro pada bank lain
Syariah Owned by the same ultimate shareholder Current accounts with other banks
PT Trans Media Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Corpora Owned by the same ultimate shareholder Savings and interest expenses
PT Duta Visual Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Nusantara Tivi Tujuh Owned by the same ultimate shareholder Savings and interest expenses
Asuransi pemberian kredit dan properti, simpanan dan beban
PT Asuransi Umum Dimiliki oleh Pemegang Saham akhir yang sama
bunga
Mega Owned by the same ultimate shareholder
Credit and property insurance, deposits and interest expenses
Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
PT CT Corpora
Owned by the same ultimate shareholder Savings and interest expenses
Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
PT Trans Corpora
Owned by the same ultimate shareholder Savings and interest expenses
PT PFI Mega Life Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Insurance Owned by the same ultimate shareholder Savings and interest expenses
PT Allo Fresh Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Indonesia Owned by the same ultimate shareholder Savings and interest expenses
PT Trans Retail Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Indonesia Owned by the same ultimate shareholder Savings and interest expenses
PT Mega Capital Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Sekuritas Owned by the same ultimate shareholder Savings and interest expenses
2024 Annual Report & Sustainability Report
165
Page 168
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Pihak Berelasi Sifat Hubungan Berelasi Sifat Transaksi
Related Parties Nature of Related Parties Nature of Transactions
Kredit yang diberikan, pendapatan bunga, simpanan dan
PT Trans Kalla Dimiliki oleh Pemegang Saham akhir yang sama
beban bunga
Makassar Owned by the same ultimate shareholder
Credit provided, interest income, savings and interest expenses
Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
PT Mega Finance
Owned by the same ultimate shareholder Savings and interest expenses
PT Mega Central Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Finance Owned by the same ultimate shareholder Savings and interest expenses
PT Mega Auto Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Finance Owned by the same ultimate shareholder Savings and interest expenses
PT Trans Fashion Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Indonesia Owned by the same ultimate shareholder Savings and interest expenses
PT Metropolitan Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Retailmart Owned by the same ultimate shareholder Savings and interest expenses
Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
PT Alfa Retailindo
Owned by the same ultimate shareholder Savings and interest expenses
PT Para Bandung Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Propertindo Owned by the same ultimate shareholder Savings and interest expenses
Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Yayasan CT Arsa
Owned by the same ultimate shareholder Savings and interest expenses
Komisaris, Direksi, Pejabat Eksekutif, Keluarga Kredit yang diberikan, pendapatan bunga, simpanan dan
Perseorangan Board of Commissioners, Board of Directors, beban bunga
Executive Staff, Family Credit provided, interest income, savings and interest expenses
Realisasi Transaksi Pihak Berelasi Realizations for Related Party Transactions
Seluruh transaksi yang dilakukan oleh Bank dengan pihak berelasi Transactions conducted by the Bank with related parties always
senantiasa memperhatikan ketentuan yang berlaku. Adapun realisasi pay attention to all applicable provisions. Details involving the
transaksi dengan pihak berelasi yang dilakukan Bank dalam 2 (dua) realizations of transactions with related parties conducted by the
tahun terakhir dapat dilihat sebagai berikut: Bank in the last 2 (two) years can be seen below:
166 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 169
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Uraian 2024 2023
Description (Rp/IDR) (Rp/IDR)
Aset
Assets
Giro pada Bank Lain (Catatan 6)
46,729,528,498 177,732,423,157
Current Accounts at Other Banks (Note 6)
Penempatan pada Bank lain(Catatan 7)
2,150,000,000,000 1,200,000,000,000
Placements with other banks (Note 7)
Kredit yang Diberikan (Catatan 10)
588,117,952,080 247.792.969.164
Loans (Note 10)
Pendapatan Bunga yang Masih Akan Diterima (Catatan 11)
3,747,855,319 1.077.812.384
Interest Income Receivable (Note 11)
Total Aset yang Terkait dengan Pihak Berelasi
2,788,548,606,369 1.626.781.115.038
Total Assets with related parties
Persentase dari Jumlah Aset
19,94% 12,76%
Percentage of total assets
Liabilitas
Liability
Simpanan Nasabah (Catatan 18)
Deposits from Customers (Note 18)
Giro
27,723,748,849 7.186.778.203
Current Account
Tabungan
- -
Savings Deposit
Deposito
187,478,189,054 1.211.021.904.479
Time Deposit
Simpanan dari Bank Lain (Catatan 19)
11,172,132 37.389
Deposits from Other Banks (Note 19)
Efek-efek yang Dijual dengan Janji Dibeli Kembali (Catatan 17)
- -
Marketable Securities sold under agreements to resell (Note 17)
Jumlah Liabilitas yang Terkait dengan Pihak Berelasi
215,213,110,035 1.218.208.720.071
Total Liabilities with related parties
2024 Annual Report & Sustainability Report
167
Page 170
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Pernyataan Direksi terkait Prinsip Transaksi yang Board of Directors Statement on the Arm’s Length Wajar (Arm’s Length Principle) Principle Direksi berkomitmen memegang prinsip arm’s length principle The Board of Directors is committed to upholding the Arm’s Length (ALP) selaku prinsip yang mengatur bahwa apabila kondisi dalam Principle (ALP). This principle specifically regulates situations transaksi yang dilakukan antara pihak yang mempunyai Hubungan involving transactions conducted between parties with special Istimewa sama atau sebanding dengan kondisi dalam transaksi yang relationships. If requires that any price or profits made between dilakukan antara pihak yang tidak mempunyai hubungan Istimewa these parties have to be either the same or within the price or profit yang menjadi pembanding, maka harga atau laba dalam transaksi range of transactions conducted between parties that don't have yang dilakukan antara pihak-pihak yang mempunyai Hubungan any kind of special relationship with one another. This principle Istimewa harus sama dengan atau berada dalam rentang harga is based on the idea that prices or profits generated within these atau laba dalam transaksi yang dilakukan antara pihak yang tidak transactions with special relationships have to reflect Fair Market mempunyai Hubungan Istimewa yang menjadi pembanding. Pada Value (FMV). prinsipnya, berdasarkan pada norma bahwa harga atau laba atas transaksi yang dilakukan dengan pihak afiliasi ditentukan oleh kekuatan pasar, sehingga transaksi tersebut dapat mencerminkan harga pasar yang wajar (Fair Market Value/FMV). Peran Dewan Komisaris dan Komite Audit dalam Board of Commissioners and the Audit Committee's Memenuhi Prinsip Transaksi yang Wajar (Arm’s Length Role in Fulfilling the Arm’s Length Principle Principle) Dewan Komisaris bersama dengan Komite Audit berkomitmen The Board of Commissioners works together with the Audit memegang prinsip arm’s length principle (ALP). Mekanisme review Committee to uphold the Arm’s Length Principle (ALP). The Bank's Bank atas transaksi dengan Pihak-pihak Berelasi dilakukan melalui review mechanism for any sort of transactions with Related Parties proses audit, khususnya audit yang telah dilakukan oleh akuntan is carried out through an audit process. Specifically, this process publik dan dipublikasikan, dimana mekanisme ini tertuang dalam involves a public accountant tasked with carrying out the audit. PSAK 7 (revisi 2014) tentang “Pengungkapan Pihak-pihak Berelasi”. This mechanism is stated in Statement of Financial Accounting Pada prinsipnya, berdasarkan pada norma bahwa harga atau laba Standards (PSAK) 7 (which was revised in 2014) concerning "Related atas transaksi yang dilakukan dengan pihak afiliasi ditentukan oleh Party Disclosures". This principle is based on the idea that prices or kekuatan pasar, sehingga transaksi tersebut dapat mencerminkan profits generated within these transactions with special relationships harga pasar yang wajar (Fair Market Value/FMV). have to reflect Fair Market Value (FMV). 168 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 171
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Informasi Keuangan yang
Mengandung Kejadian yang Financial Information
Bersifat Luar Biasa dan Containing Extraordinary
Jarang Terjadi and Rare Events
Hingga 31 Desember 2024, tidak terdapat As of December 31, 2024, the Bank has not
kejadian yang bersifat luar biasa dan jarang experienced any extraordinary or rare events.
terjadi yang dialami oleh Bank. Dengan As such, there is no information on these
demikian, tidak terdapat informasi kejadian extraordinary and rare financial events that can
keuangan yang bersifat luar biasa dan jarang be disclosed within this Annual Report.
terjadi yang dapat diungkapkan dalam Laporan
Tahunan ini.
Perubahan Peraturan
Changes in Laws and
Perundang-Undangan yang Regulations that Have a
Berpengaruh Signifikan Significant Impact on the
terhadap Perusahaan Company
Selama tahun 2024, terdapat/tidak terdapat There were/were no changes in laws and
perubahan peraturan perundang-undangan regulations that had any significant impact
yang berpengaruh signifikan terhadap kinerja on the Bank's operational and financial
operasional dan keuangan Bank. Adapun performance throughout 2024. The following is
perubahan peraturan perundang-undangan a list of changes in laws and regulations, as well
dan dampaknya terhadap Bank dapat dilihat as impact these changes have had on the Bank:
sebagai berikut:
2024 Annual Report & Sustainability Report
169
Page 172
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Perubahan Peraturan/
Penjelasan Dampak terhadap Perusahaan
Perundang-Undangan Explanation Impact on the Company
Changes in Laws/Regulations
Peraturan Otoritas Jasa Keuangan Dalam upaya penguatan pelindungan konsumen dan Bank telah menetapkan unit-unit
(POJK) No. 22 Tahun 2023 tentang masyarakat di sektor jasa keuangan, Otoritas Jasa pelindungan konsumen serta dan
Pelindungan Konsumen dan Keuangan (“OJK”) saat ini telah melakukan harmonisasi menyesuaikan fungsi pelindungan
Masyarakat di Sektor Jasa Keuangan terhadap sejumlah Peraturan OJK yang sebelumnya konsumen sesuai ketentuan berlaku.
Financial Services Authority mengatur area-area tersebut melalui penerbitan The Bank has estavlished consumer
Regulation (POJK) No. 22 of Peraturan No. 22 tahun 2023 Pelindungan Konsumen protection units and aligned consumer
2023 concerning the Consumer dan Masyarakat di Sektor Jasa Keuangan (“POJK protection function with the applicable
and Community Protection in the 22/2023”) laws.
Financial Services Sector In enhancing the quality of consumer and community
protection in the financial services sector, the Financial
Services Authority (“OJK”) has currently alignes a
number of OJK Regulations that previously regulated
these areas through the issuance of Regulation No. 22
of 2023 on Consumer and Community Protection in the
Financial Services Sector (“POJK 22/2023”)
Peraturan Otoritas Jasa Keuangan Kewajiban Penyusunan Rencana Aksi Pemulihan POJK Bank telah menyusun dan
No. 5 Tahun 2024 tentang 5/2024 mengamanatkan bahwa seluruh bank wajib menyampaikan Rencana Aksi Pemulihan
Penetapan Status Pengawasan dan menyusun dan menyampaikan rencana aksi pemulihan pertama kali pada November 2024.
Penanganan Permasalahan Bank kepada OJK The Bank has prepared and submitted
Umum Obligation to Prepare Recovery Action Plans POJK its first Recovery Action Plan in
Financial Services Authority 5/2024 mandates that all banks are required to prepare November 2024.
Regulation No. 5 of 2024 concerning and submit recovery action plans to OJK.
the Determination of Supervision
Status and Handling of Commercial
Bank Problems
POJK 11 Tahun 2024 Pelaporan dan OJK melakukan sejumlah perubahan terkait dengan Bank telah menyesuaikan kebijakan
Permintaan Informasi Debitur Melalui perluasan cakupan pealporS SLIK SLIK untuk ketentuan yang dirubah
SLIK (POJK SLIK) Surat Edaran OJK has undergone several changes related to the pada POJK 11 Tahun 2024. Bank telah
Otoritas Jasa Keuangan No. 11/ expansion of SLIK reporting scope. menyesuaikan kegiatan penggunaan
SEOJK.01/ 2024 tentang Pelaporan dan pelaporan data Debitur sesuai
dan Permintaan Informasi Debitur dengan POJK 11 Tahun 2024.
Melalui Sistem Layanan Informasi
Keuangan (SEOJK SLIK) The Bank has adjusted the SLIK policy
POJK 11 of 2024 concerning for the provisions amended in POJK
the Reporting and Requesting 11 of 2024. The Bank has adjusted the
Debtor Information Through SLIK use and reporting of Debtor data in
(POJK SLIK) Circular Letter of the accordance with POJK 11 of 2024.
Financial Services Authority No. 11/
SEOJK.01/2024 concerning the
Reporting and Requesting Debtor
Information Through the Financial
Information Services System (SEOJK
SLIK).
POJK 12 Tahun 2024 Penerapan Dalam rangka meminimalisir kejadian fraud yang Bank telah menyesuaikan laporan
Strategi Anti-Fraud (SAF) Bagi merugikan industri jasa keuangan dan masyarakat Strategy Anti Fraud sesuai dengan POJK
Lembaga Jasa Keuangan umum, Otoritas Jasa Keuangan menerbitkan Peraturan 12 Tahun 2024.
POJK 12 of 2024 concerning the No. 12 Tahun 2024 tentang Penerapan Strategi Anti The Bank has adjusted the Anti Fraud
Implementation of Anti-Fraud Fraud Bagi Lembaga Jasa Keuangan, POJK 12/2024 Strategy report in accordance with
Strategy (SAF) for Financial Services mewajibkan seluruh LJK untuk mengembangkan dan POJK 12 of 2024
Institutions menerapkan strategi dalam mengendalikan fraud.
In order to minimize fraud incidents that harm the
financial services industry and the general public, the
Financial Services Authority issued Regulation No.
12 of 2024 concerning the Implementation of Anti-
Fraud Strategies for Financial Services Institutions or
POJK 12/2024 which requires all LJKs to develop and
implement strategies to control fraud.
170 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 173
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Perubahan Peraturan/
Penjelasan Dampak terhadap Perusahaan
Perundang-Undangan Explanation Impact on the Company
Changes in Laws/Regulations
Peraturan Lembaga Penjamin PLPS No. 2 Tahun 2024 mengamanatkan bahwa seluruh Bank telah menyusun dan
Simpanan No. 2 Tahun 2024 bank wajib menyusun dan menyampaikan rencana menyampaikan Rencana Resolusi
Rencana Resolusi Bagi Bank Umum. resolusi kepada LPS. pertama kali pada November 2024.
Deposit Insurance Agency Regulation PLPS No. 2 of 2024 mandates that all banks are required The Bank has prepared and submitted
No. 2 of 2024 Resolution Plan for to prepare and submit a resolution plan to LPS. its first Resolution Plan in November
Commercial Banks 2024.
POJK 13 Tahun 2024 Transparansi Untuk lebih memperkuat transparansi suku bunga kredit Bank telah menyesuaikan laporan SBDK
dan Publikasi Suku Bunga bank konvensional, Otoritas Jasa Keuangan menerbitkan sesuai dengan POJK 13 Tahun 2024.
Dasar Kredit bagi Bank Umum Peraturan No. 13 tahun 2024 tentang Transparansi The Bank has adjusted the SBDK report
Konvensional. dan Publikasi Suku Bunga Dasar Kredit (“SBDK”) Bagi in accordance with POJK 13 of 2024.
POJK 13 of 2024 concerning the Bank Umum Konvensional (“POJK 13/2024”) Sebagai
Transparency and Publication of pedoman baru pelaporan SBDK oleh Bank.
Basic Credit Interest Rates for To further strengthen the transparency of conventional
Conventional Commercial Banks. bank credit interest rates, the Financial Services
Authority issued Regulation No. 13 of 2024 concerning
Transparency and Publication of Basic Credit Interest
Rates (“SBDK”) for Conventional Commercial Banks
(“POJK 13/2024”) as a new guideline for reporting SBDK
by Banks.
Peraturan Otoritas Jasa Keuangan Bank akan membentuk unit kerja
Republik Indonesia No. 15 Tahun khusus atau penunjukan pejabat
2024 tentang Integritas Pelaporan eksekutif yang bertanggung jawab
Keuangan Bank. terhadap pencegahan kecurangan atau
Regulation of the Financial Services manipulasi dalam informasi keuangan
Authority of the Republic of Indonesia dan/atau laporan keuangan bank
No. 15 of 2024 concerning the dilaksanakan paling lama 6 (enam)
Integrity of Bank Financial Reporting bulan sejak POJK diundangkan (9 April
2025).
The Bank will establish a special work
unit or appoint an executive officer
who is responsible for preventing
fraud or manipulation in financial
information and/or bank financial
reports, implemented no later than 6
(six) months after the POJK is enacted
(April 9, 2025).
Surat Edaran Otoritas Jasa Keuangan Bank telah menyampaikan laporan
No. 13/SEOJK.08/2024 tentang rencana dan laporan realisasi literasi
Penyusunan dan Penyampaian keuangan dan inklusi keuangan sesuai
Laporan Rencana dan Laporan dengan format dan pedoman dalam
Realisasi Literasi Keuangan dan Inklusi lampiran yang merupakan bagian tidak
Keuangan. terpisahkan dari SEOJK ini.
Circular Letter of the Financial The Bank has submitted a report on
Services Authority No. 13/ the plan and realization report on
SEOJK.08/2024 concerning the financial literacy and financial inclusion
Preparation and Submission of in accordance with the format and
Financial Literacy and Financial guidelines in the attachment which is an
Inclusion Plan and Realization Reports. integral part of this SEOJK.
2024 Annual Report & Sustainability Report
171
Page 174
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Perubahan Kebijakan Changes in Accounting
Akuntansi dan Dampaknya Policies and Their Impact
terhadap Perusahaan on the Company
Bank menerapkan kebijakan akuntansi sesuai The Bank's accounting policies are designed
Standar Akuntansi Keuangan (SAK) yang telah and implemented in accordance with Financial
diterbitkan oleh Dewan Standar Akuntansi Accounting Standards (SAK) issued by the
Keuangan-Ikatan Akuntan Indonesia (DSAK- Financial Accounting Standards Board -
IAI) yang berlaku efektif untuk tahun buku Indonesian Institute of Accountants (DSAK-IAI)
yang dimulai pada 1 Januari 2024. Adapun that were effective for the financial year that
perubahan kebijakan akuntansi dan dampaknya began on January 1, 2024. The following is a
terhadap Bank sepanjang tahun 2024 adalah list of changes in accounting policies and the
sebagai berikut: impact these policies have had on the Bank
throughout 2024:
Perubahan Kebijakan Akuntansi dan Penjelasan Dampak terhadap Perusahaan
Changes in Accounting Policies and Explanations Impact on the Company
Amendemen PSAK 201: Penyajian Laporan Keuangan tentang Klasifikasi Liabilitas Implementasi dari standar-standar tersebut tidak
sebagai Jangka Pendek atau Jangka Panjang menghasilkan perubahan substansial terhadap
Amendments PSAK 201: Presentation of Financial Statements regarding Classification kebijakan akuntansi Bank dan tidak memiliki
of Liabilities as Current or Noncurrent dampak yang material terhadap laporan keuangan
di tahun berjalan atau tahun sebelumnya.
Amendemen PSAK 201: Penyajian Laporan Keuangan tentang Liabilitas Jangka
The implementation of the above standards did
Panjang dengan Kovenan
not result in substantial changes to the Bank’s
Amandments of PSAK 201: Presentation of Financial Statements regarding Long Term
accounting policies and had no material impact
Liabilities with the Covenant
to the financial statements for current or prior
Amendemen PSAK 116: Sewa tentang Liabilitas Sewa dalam Jual dan Sewa–Balik financial years.
Amendments PSAK 116: Lease regarding Lease Liability in a Sale and Leaseback
Amendemen PSAK 207: Laporan Arus Kas dan amendemen PSAK 107: Instrumen
Keuangan: Pengungkapan tentang Pengaturan Pembiayaan Pemasok
Amendments PSAK 207: Statement of Cash Flows and SFAS 107: Financial
Instrument: Disclosure regarding Supplier Finance Arrangements
Revisi PSAK 409: Akuntansi Zakat, Infak, dan Sedekah dan Revisi PSAK 401: Penyajian
Laporan Keuangan Syariah
Revision PSAK 409: Accounting for Zakat, Infaq, dan Sadaqah and Revision SFAS
401: Presentation of Sharia Financial Statementsa
172 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 175
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Informasi
Kelangsungan Usaha Business Continuity Information
Hal-Hal yang Berpotensi Berpengaruh Matters That Have the Potential
Signifikan terhadap Kelangsungan to Significantly Impact Business
Usaha Continuity
Kondisi ekonomi dan industri yang masih Ongoing fluctuations in economic and industrial
fluktuatif di tahun 2024 berpotensi conditions that continued throughout 2024 had
mempengaruhi kinerja Bank. Berlanjutnya the potential to affect the Bank's performance.
kebijakan tingkat suku bunga acuan yang Bank Indonesia's (BI) High benchmark interest
tinggi dari Bank Indonesia (BI) untuk menjaga rate policy continued to maintain the nation's
tingkat inflasi nasional menjadi salah satu faktor inflation rate and served as one of the factors
yang dapat menekan kinerja Bank. Persaingan that could have led to a suppression of the
industri yang ketat juga mengharuskan Bank Bank's performance. Tight competition within
untuk terus beradaptasi dan berinovasi secara the industry meant that the Bank had to
cepat agar dapat menjaga kelangsungan usaha continue to be quick in adapting and innovating
Bank. in order to maintain its own business continuity.
Berbekal fondasi bisnis yang solid dan Thanks to its solid business foundations and
ekosistem CT Corpora yang kuat, Bank optimis its robust CT Corpora ecosystem, the Bank is
bahwa seluruh keunggulan yang dimiliki dapat optimistic that it can optimize its performance
mengoptimalkan kinerjanya dalam mengatasi in overcoming any challenges ahead. The
berbagai tantangan ke depan. Pengembangan Bank believes that its efforts toward product
produk dan layanan, serta perluasan jangkauan and service development, as well as its efforts
melalui digitalisasi yang dimiliki diyakini mampu to expand its reach through digitalization, can
mengakselerasi kinerja Bank agar dapat help to accelerate its business performance and
meningkatkan kinerja bisnis dan menghadirkan provide the community with banking solutions.
solusi perbankan bagi masyarakat.
Assessment Manajemen atas Hal-hal Management's Assessment of Matters
yang Berpengaruh Signifikan terhadap that Significantly Influence Business
Kelangsungan Usaha Continuity
Bank telah menyusun dan menerapkan The Bank has made careful efforts to design
manajemen risiko secara cermat, mulai dari and implement proper risk management. Its
penetapan sejumlah risiko utama hingga upaya actions towards this end began with the Bank
mitigasinya. Selain itu, manajemen Bank juga determining its primary risks to know what it
melakukan evaluasi dan assessment terkait needs to mitigate. The Bank's management has
hal-hal yang berpengaruh signifikan terhadap also conducted evaluations and assessments
kelangsungan usaha Bank. Dewan Komisaris for all matters that could have significantly
dan Direksi turut berperan dalam berbagai influenced its business continuity. The Board
upaya untuk mengelola potensi risiko yang of Commissioners and Directors also play a
berpengaruh signifikan terhadap kelangsungan role in various efforts designed to manage
usaha Bank. Assessment manajemen dilakukan potential risks that could have significantly
dengan memperhatikan berbagai faktor, influenced the Bank's business continuity. The
seperti analisis kekuatan kondisi keuangan management's assessments were carried out
Bank maupun operasional. Berdasarkan by taking various factors into consideration.
hasil assessment tersebut, manajemen tidak This was done through analysis of the Bank's
mendapati adanya hal-hal yang berpengaruh financial strength and operational conditions.
signifikan terhadap kelangsungan usaha Allo Based on the results of its assessment, the
Bank. Bank's management did not find any matters
that could have significantly influenced Allo
Bank's business continuity.
2024 Annual Report & Sustainability Report
173
Page 176
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Asumsi yang Digunakan Manajemen dalam Management's Assumptions when Conducting
Melakukan Assessment Assessments
Manajemen melaksanakan assessment kemampuan Bank dalam Management has assessed the Bank's ability to maintain its
melanjutkan kelangsungan usahanya di masa yang akan datang business continuity in the future. It did this using assumptions
dengan menggunakan asumsi dan pertimbangan berupa analisis and considerations in the form of a Strengths, Weaknesses,
SWOT (Strengths, Weaknesses, Opportunities, and Threats). Analisis Opportunities and Threats (or "SWOT") analysis. The SWOT analysis
SWOT yang dilakukan telah mempertimbangkan sejumlah faktor it conducted has taken various important factors into consideration,
yang dianggap penting, seperti kinerja keuangan, likuiditas, such as financial performance, liquidity, solvency, profitability,
solvabilitas, profitabilitas, kondisi ekonomi mikro dan makro pada current and future micro- and macro-economic conditions, and
saat ini maupun masa yang akan datang, serta persaingan usaha business competition within the digital banking industry.
di industri perbankan digital.
Uraian terkait penilaian Profil Risiko, Rentabilitas, GCG dan The following is a detailed description of the Bank's assessment
Permodalan adalah sebagai berikut: results for its Risk Profile, Profitability, GCG and Capital:
Profil Risiko Risk Profile
Berdasarkan kondisi dan langkah-langkah yang dilakukan dalam The Bank has adjusted its assessment of its Risk Profile to OJK Letter
pengelolaan risiko sepanjang tahun 2024, maka penilaian Profil No. SR-21/PB.31/2024 dated February 12, 2024 Concerning Follow-
Risiko Bank pada tahun buku telah disesuaikan dengan surat OJK ups of Audit Results and Bank Health Levels. It made this adjustment
No. SR-21/PB.31/2024 tanggal 12 Februari 2024 Perihal Tindak on the basis of its own condition and the risk management actions
Lanjut Hasil Pemeriksaan dan Tingkat Kesehatan Bank, adalah it has made throughout 2024. The following are details of this
sebagai berikut: Risk Profile:
Periode September 2024 Periode Desember 2024
Period September 2024 Period December 2024
Peringkat Kualitas Peringkat Kualitas
Profil Risiko Peringkat Peringkat
Peringkat Penerapan Peringkat Penerapan
Risk Profile Tingkat Tingkat
Risiko Inheren Manajemen Risiko Risiko Inheren Manajemen Risiko
Inherent Risk Risiko Inherent Risk Risiko
Risk Management Risk Management
Risk Level Risk Level
Rating Implementation Quality Rating Implementation Quality
Rating Rating
Rating Rating
Risiko Kredit Rendah sampai Memuaskan 2 Rendah sampai Memuaskan 2
Credit Risk Sedang Satisfactory Sedang Satisfactory
Low to Moderate Low to Moderate
Risiko Pasar Rendah sampai Memuaskan 2 Rendah sampai Memuaskan 2
Market Risk Sedang Satisfactory Sedang Satisfactory
Low to Moderate Low to Moderate
Risiko Likuiditas Rendah sampai Memuaskan 2 Rendah sampai Memuaskan 2
Liquidity Risk Sedang Satisfactory Sedang Satisfactory
Low to Moderate Low to Moderate
Risiko Rendah sampai Memuaskan 2 Rendah sampai Memuaskan 2
Operasional Sedang Satisfactory Sedang Satisfactory
Operational Risk Low to Moderate Low to Moderate
Risiko Stratejik Rendah sampai Memuaskan 2 Rendah sampai Memuaskan 2
Strategic Risk Sedang Satisfactory Sedang Satisfactory
Low to Moderate Low to Moderate
Risiko Hukum Rendah sampai Memuaskan 2 Rendah sampai Memuaskan 2
Legal Risk Sedang Satisfactory Sedang Satisfactory
Low to Moderate Low to Moderate
Risiko Kepatuhan Rendah sampai Memuaskan 2 Rendah sampai Memuaskan 2
Compliance Risk Sedang Satisfactory Sedang Satisfactory
Low to Moderate Low to Moderate
Risiko Reputasi Rendah Memuaskan 2* Rendah Memuaskan 2*
Reputational Risk Low Satisfactory Low Satisfactory
Peringkat Komposit 2 2
Composite Rating
174 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 177
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Secara umum peringkat komposit Profil Risiko PT Allo Bank In general, the composite rating of PT Allo Bank Indonesia, Tbk.,
Indonesia, Tbk. untuk selanjutnya disebut “Bank” - pada periode hereinafter referred to as the “Bank,” for its Risk Profile as of
Desember 2024 berada pada peringkat 2. Penilaian tersebut December 2024 remains at Rank 2. This assessment is consistent
sama dengan periode September 2024 yaitu peringkat 2. Sampai with the rating from September 2024, which was also Rank 2. As
posisi Desember 2024, Bank melakukan cukup banyak upaya of December 2024, the Bank has made continuous efforts across
berkelanjutan dari berbagai aspek untuk memposisikan Profil Risiko various aspects to maintain its composite Risk Profile at Rank 2.
secara komposit tetap berada pada peringkat 2.
Dengan pendekatan self assessment tersebut, hasil perhitungan Using a self-assessment approach, the results of the calculation of
Risiko Inheren, Kualitas Penerapan Manajemen Risiko dan Peringkat Inherent Risk, Quality of Risk Management Implementation, and
Risiko Inheren menunjukkan komitmen pengelolaan risiko Bank. Inherent Risk Rating reflect the Bank's strong commitment to risk
Pada posisi Desember 2024 dari sisi pendapatan, Bank telah management. In December 2024, in terms of income, the Bank
meningkatkan pendapatan organiknya dari proses kredit dan juga increased its organic income from the credit process, as well as
pendapatan Bank dari aset-aset produktif lain terutama bisnis its earnings from other productive assets, particularly in the retail
ritelnya. Kecukupan modal Bank per Desember 2024 telah sesuai business segment. The Bank's capital adequacy as of December
dengan ketentuan yang berlaku dan sejalan dengan strategi Bank. 2024 complies with applicable regulations and aligns with its
strategic objectives.
Kualitas Penerapan Manajemen Risiko (KPMR) seluruhnya berada The Quality of Risk Management Implementation (KPMR) is entirely
pada peringkat ”Satisfactory”, dimana Bank secara terus-menerus rated as "Satisfactory," with the Bank continuously addressing
memperbaiki kelemahan yang ada dan akan terus melakukan existing weaknesses and committing to further improvements to
perbaikan untuk dapat menjaga peringkat tersebut. maintain this rating.
Risiko Kredit Credit Risk
Risiko Kredit adalah risiko yang timbul sebagai akibat kegagalan Credit Risk is any risk that arises as a result of a counterparty's
counterparty memenuhi liabilitasnya. Bank melakukan pengelolaan failure to fulfill its obligations. The Bank manages credit risk by
risiko kredit dengan menyusun strategi dan kerangka kerja serta developing various strategies and frameworks and by implementing
menjalankan upaya mitigasi risiko atas aspek bisnis perkreditan risk mitigation efforts for aspects of its micro, retail, commercial, and
mikro, retail, komersial, maupun konsumsi, penempatan antar-bank consumer credit business, as well as for its inter-bank placements
serta pembelian surat berharga. and purchases of securities.
1. Tata Kelola Risiko 1. Risk Governance
Dewan Komisaris dan Direksi memiliki pemahaman yang baik The Board of Commissioners and the Board of Directors
untuk melakukan pengawasan secara aktif terhadap manajemen both understand the importance of actively supervising
perkreditan. Tugas dan wewenang Direksi dioptimalkan melalui credit management. The Board of Directors' duties and
tanggung jawab atas penyusunan rencana dan kebijakan authorities towards this end are optimized through its efforts
perkreditan, memastikan kepatuhan Bank terhadap ketentuan in preparing credit plans and policies, through ensuring the
undang-undang dan peraturan yang berlaku, serta melakukan Bank's compliance with applicable laws and regulations, and
pelaporan secara berkala kepada Dewan Komisaris mengenai through reporting periodically to the Board of Commissioners
pelaksanaan pemberian kredit, memitigasi setiap potensi risiko on any matter related to the implementation of credit provisions.
kredit, pengawasan terhadap penyimpangan dalam pemberian The board also works to mitigate any potential credit risk,
kredit, dan upaya terus meningkatkan kualitas kredit Bank. supervises deviations in credit provision, and makes efforts to
continuously improve the Bank's credit quality.
Dalam melakukan proses pemberian kredit, Bank mengacu In carrying out its credit granting process, the Bank uses various
kepada aturan regulator dan prinsip kehati-hatian dalam menilai regulations and the principle of prudence as references in its
kualitas debitur sebelum pemberian kredit dilakukan. Proses efforts towards assessing the quality of debtors before granting
penilaian tersebut dilakukan dengan melihat faktor prospek them credit. Its assessment process is carried out by looking
usaha debitur, cashflow debitur, dan kemampuan membayar at the debtor's business prospects, debtor cash flow, and their
debitur. ability to pay.
2024 Annual Report & Sustainability Report
175
Page 178
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Pengelolaan kredit pada segmen wholesale dilakukan dengan Credit management in the wholesale segment is carried out
suatu metode dalam memonitor kinerja debitur, sehingga tindak with a method of monitoring a debtor's performance. This
lanjut (action plan) dapat segera dilakukan untuk mencegah monitoring allows for follow-up action plans to be carried out
penurunan kualitas kredit debitur. Bank juga melakukan proses immediately to prevent a decline in the debtor's credit quality.
monitoring yang bertujuan untuk mengidentifikasi debitur yang The Bank also carries out a monitoring process that aims to
berpotensi mengalami kesulitan membayar kewajiban. identify any debtors that have the potential to experience
difficulty in paying their obligations.
Pengelolaan risiko kredit Bank diarahkan untuk meningkatkan The Bank's credit risk management is directed at improving the
keseimbangan antara ekspansi kredit yang sehat dengan balance between healthy credit expansion and prudent credit
pengelolaan kredit yang prudent, sehingga potensi penurunan management. This ensures that the potential for a decline in
kualitas debitur dapat dimitigasi sedini mungkin. debtor quality can be mitigated as early as possible.
Proses kredit telah dilakukan sesuai dengan Pedoman dan The Bank's credit process has been carried out in accordance
SOP perkreditan yang ada. Pedoman dan SOP berfungsi with existing credit Guidelines and SOPs. There have been some
sebagai petunjuk dalam melakukan proses pemberian kredit, deviations, but they have only been minor. These Guidelines
mulai dari tahap permohonan melalui proposal, proses analisa, and SOPs serve as instructions for the Bank as it carries out
persetujuan, dokumentasi, pengawasan, hingga proses its credit granting process, beginning with the application
restrukturisasi. Selain itu, penetapan suku bunga kredit selalu stage through the proposal, analysis process, approval,
dikaji ulang setiap bulan melalui Asset and Liabilities Committee documentation, supervision, to the restructuring processes.
(ALCO). In addition, the Bank's method of determining credit interest
rates is always reviewed every month through its Asset and
Liabilities Committee (ALCO).
2. Kerangka Manajemen Risiko 2. Risk Management Framework
Kerangka manajemen risiko kredit mencakup kecukupan The Bank's credit risk management framework encompasses
kebijakan, prosedur dan penetapan limit. Kebijakan dan its adequacy when it comes to policies, procedures and limit
prosedur pengelolaan risiko kredit yang telah disetujui oleh setting. Credit risk management policies and procedures that
Direksi, telah dikomunikasikan dengan optimal oleh Divisi yang have been approved by the Board of Directors have been
menangani aktivitas fungsional yang memiliki eksposur risiko optimally communicated by the Division that handles functional
kredit. activities with credit risk exposure.
Untuk menjaga agar eksposur risiko kredit sesuai dengan In order to ensure that it can maintain its credit risk exposure
risk appetite, Bank menetapkan batasan (limit), antara lain in accordance with its risk appetite, the Bank has established
susunan dan kewenangan kredit yang disesuaikan dengan various limits, including limits on credit composition and
ukuran dan kompleksitas Bank. Selain itu, Bank juga memiliki authority that have been adjusted to its size and complexity.
kebijakan untuk menjaga risiko kredit sesuai dengan Batas In addition, the Bank also has a policy to maintain credit risk
Maksimum Pemberian Kredit (BMPK) yang sesuai dengan in accordance with supervisory provisions governing Legal
ketentuan pengawas. Lending Limits (LLL).
3. Proses Manajemen Risiko 3. Risk Management Process
Proses manajemen risiko kredit bertujuan untuk mengidentifikasi, The Bank's credit risk management process aims to identify,
mengukur, memantau, dan mengendalikan Risiko Kredit. Hal measure, monitor, and control Credit Risk. The Bank's future
yang menjadi perhatian Bank ke depan adalah mengevaluasi focus is to evaluate and improve the effectiveness of its work
dan meningkatkan efektivitas pelaksanaan unit kerja yang units that monitor credit quality early on. The Bank's greatest
melakukan pemantauan kualitas kredit sejak dini. Konsentrasi area of focus at present is mitigating credit risk, including
terbesar yang dilakukan Bank saat ini adalah memitigasi risiko mitigating any potential for greater credit risk.
kredit termasuk terhadap potensi meningkatnya risiko kredit
yang lebih besar.
Kecukupan sistem informasi manajemen dinilai memenuhi Its management information system is considered to have met
ekspektasi, hal ini terlihat dari pelaporan kredit kepada Dewan expectations, as can be seen evidenced by credit reports to the
Komisaris dan Direksi mengenai eksposur risiko yang berjalan Board of Commissioners and Directors indicating reasonable
dengan baik, sehingga data yang disajikan dapat membantu risk exposures. The data presented within these reports also
secara optimal dalam pengambilan keputusan. Saat ini Bank allows management to make optimal decisions. The Bank is
sedang mengkaji ulang seluruh SIM manajemen Risiko. Kualitas currently reviewing all of its Risk Management SIMs. The quality
176 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 179
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
SDM Bank dalam aspek perkreditan memadai, dimana telah ada of the Bank's human resources in terms of credit is considered
pembagian antara Lini Pertama dengan Lini Kedua. Awareness to be adequate, with a division between the First Line and the
risk taking unit terhadap risiko kredit terus ditingkatkan seperti Second Line. The risk-taking unit's awareness of credit risk
kompetensi dan kemampuan dalam menjalankan credit process continues to be improved, such as competence and ability
berdasarkan aspek kehati-hatian. to carry out the credit process based on prudential aspects.
4. Sistem Pengendalian Internal 4. Internal Control System
Bank terus berusaha menyempurnakan Sistem Pengendalian The Bank continues to put in efforts to improve its Internal
Internal pada aspek penyaluran kredit. Fungsi operasional Control System in terms of credit distribution. Operational
dan fungsi manajemen risiko kredit telah dipisahkan secara functions and credit risk management functions have been
jelas. Proses inisiasi (ex ante) telah dilakukan review secara clearly separated. The initiation process (ex ante) has been
optimal oleh tim reviewer yang menganalisa setiap potensi optimally reviewed by a team that analyzes credit risk issues
kredit yang mungkin timbul, sementara tim Internal Audit (SKAI) that may arise, while the Internal Audit Unit carries out periodic
melaksanakan evaluasi secara berkala (post review) untuk reviews (ex post) to assess the implementation of credit risk
menilai pelaksanaan manajemen risiko kredit dan pengendalian management and internal control in functional activities that
internal pada aktivitas fungsional yang memiliki eksposur risiko have credit risk exposure.
kredit.
Risiko Pasar Market Risk
Risiko pasar merupakan risiko yang timbul dari portofolio yang Market risk is defined as any risk that arises from the Bank's portfolio
dimiliki oleh Bank karena adanya pergerakan adverse movement due to adverse movements in the market. These risks include
di pasar, termasuk risiko suku bunga dan risiko nilai tukar, yang interest rate risks and exchange rate risks that have the potential
berpotensi merugikan Bank. Dengan mempertimbangkan posisi to harm the Bank. The Bank itself is a Non-Foreign Exchange Bank
Bank sebagai Bank Non-Devisa yang tidak melakukan kegiatan that does not conduct trading activities either in asset portfolios
trading baik pada portofolio aset maupun kewajiban terhadap or liabilities for derivative products and Fair Value Options. It
produk derivatif dan Fair Value Option, Bank tetap berkomitmen remains committed to always monitoring the potential for Market
untuk selalu melakukan pemantauan terhadap potensi Risiko Pasar Risk and is always continuing to improve its Quality of Market Risk
serta terus meningkatkan Kualitas Penerapan Manajemen Risiko Management Implementation by periodically reviewing the quality
Pasar dengan mengkaji kualitas pemenuhan serta kelengkapan of its documents.
dokumen secara berkala.
1. Tata Kelola Risiko 1. Risk Governance
Pengelolaan risiko pasar Bank dilakukan dengan The Bank's market risk management is carried out by taking
mempertimbangkan terbatasnya instrumen yang dikelola Bank into consideration the Bank's limited instruments and the low
serta rendahnya potensi risiko instrumen yang dimiliki. Untuk potential risk of these instruments that it owns. To manage
mengelola pergerakan variabel pasar, Bank telah melakukan the movement of market variables, the Bank has conducted
Stress Testing pada instrumen suku bunga yang terekspos risiko Stress Testing on instruments exposed to market risk in order to
pasar dalam rangka menghitung potensi dampak keuangan calculate any potential financial impact that arises. In addition,
yang timbul. Selain itu, pengelolaan risiko pasar didukung oleh market risk management is supported by a framework of limits
kerangka limit dan kebijakan untuk mengontrol risiko yang and policies to control any risks considered acceptable to the
dapat diterima oleh Bank. Limit risiko pasar dialokasikan pada Bank. Market risk limits are allocated at various levels and are
berbagai tingkatan dan dipantau oleh Divisi Treasury secara monitored by the Treasury Division on a daily basis. The Bank
harian. Bank tidak terekspos secara signifikan pada risiko nilai is not significantly exposed to exchange rate risk. The interest
tukar. Risiko suku bunga yang dikelola oleh Bank sebagian rate risk managed by the Bank is mostly derived from banking
besar berasal dari posisi banking book dan tidak terdapat posisi book positions. There are no trading book positions. As part
trading book. Sebagai bagian dari pengelolaan risiko pasar, of its market risk management, the Bank identifies, measures,
Bank melakukan identifikasi, pengukuran, pemantauan dan monitors and controls market risk. This process is carried out
pengendalian risiko pasar, yang dilakukan oleh unit bisnis terkait. by relevant business units.
Dewan Komisaris dan Direksi memiliki awareness dan The Board of Commissioners and Board of Directors have a
pemahaman yang baik tentang manajemen Risiko Pasar dan good sense of awareness and understanding of Market Risk
sudah diinternalisasikan dengan baik pada seluruh jenjang management. This wisdom has been well internalized at all
organisasi untuk memastikan bahwa penerapan manajemen levels of the organization to ensure that the implementation
risiko terhadap nilai tukar dan suku bunga telah sesuai dengan of risk management on exchange rates and interest rates
tujuan strategis, skala, karakteristik bisnis dan profil risiko nilai is in accordance with the Bank's strategic objectives, scale,
2024 Annual Report & Sustainability Report
177
Page 180
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
tukar dan suku bunga Bank, termasuk memastikan integrasi business characteristics and exchange rate and interest
penerapan manajemen risiko nilai tukar dan suku bunga dengan rate risk profile. This implementation includes ensuring the
risiko-risiko lainnya yang dapat berdampak pada posisi risiko integration of exchange rate implementation and interest rate
Bank. risk management with other risks that can impact the Bank's
risk position.
2. Kerangka Manajemen Risiko 2. Risk Management Framework
Strategi manajemen risiko dilakukan searah dengan tingkat risiko The Bank's risk management strategy is carried out in line with a
yang diambil dan toleransi risiko pasar. Penetapan dan evaluasi specific level of risk taken and market risk tolerance. The process
kebijakan strategi pengelolaan risiko pasar yang berkaitan of determining and evaluating market risk management strategy
dengan risiko suku bunga dan risiko valuta asing dilakukan policies related to interest rate risk and foreign exchange risk is
secara berkala melalui Asset and Liabilities Committee (ALCO), carried out periodically through the Bank's Asset and Liabilities
termasuk strategi dalam penataan portofolio investasi dan Committee (ALCO). This includes strategies in structuring
strategi penataan struktur neraca melalui antisipasi perubahan investment portfolios and balance sheet structuring strategies
suku bunga sehingga dapat dicapai tingkat marjin bunga bersih through anticipation of changes in interest rates so that an
(Net Interest Margin -NIM) yang optimal. optimal net interest margin (NIM) can be achieved.
Bank memiliki berbagai perangkat organisasi dalam mendukung The Bank has various organizational tools to support the
terlaksananya manajemen risiko pasar secara efektif termasuk implementation of effective market risk management. These
kejelasan wewenang dan tanggung jawab. Dalam hal ini, Direksi tools include clarity of authority and responsibility. In this case,
telah mendelegasikan wewenang dan tanggung jawab antara the Board of Directors has delegated the following forms of
lain: authority and responsibility:
a. Divisi Treasury sebagai pengelola portofolio dan transaksi a. Treasury Division. It serves as portfolio and foreign
jual beli valuta asing dalam rangka pemenuhan kebutuhan exchange trading transactions manager in order to fulfill
nasabah dan untuk memperoleh pendapatan. customer needs and to obtain income.
b. Asset and Liabilities Committee (ALCO) yang menetapkan b. Asset and Liabilities Committee (ALCO). It determines
kebijakan pada strategi risiko nilai tukar dan suku bunga. policies on exchange rate and interest rate risk strategies.
c. Terdapat kejelasan dalam pelaksanaan komite terkait dan c. There is clarity in the implementation of relevant committees
telah ada delegasi wewenang yang berjalan baik. and a delegation of authority that runs well.
d. Divisi Enterprise, Operational and Market Risk yang d. The Bank has currently fulfilled all HR requirements for its
bertanggung jawab sebagai lini kedua dalam pengelolaan Market Risk Management function.
risiko pasar. Untuk itu Bank telah melakukan pemenuhan
SDM untuk menjalankan fungsi fungsi Manajemen Risiko
Pasar.
Kebijakan pengelolaan risiko pasar dan limit risiko pasar Market risk management policies and market risk limits are
ditetapkan oleh manajemen serta diinformasikan ke risk taking determined by management and informed to specific risk
unit. Kebijakan dan limit ini ditinjau ulang secara berkala untuk taking units. These policies and limits are reviewed periodically
disesuaikan dengan perkembangan kegiatan Treasury pada so that they can be adjusted to the development of Treasury
khususnya dan perkembangan pasar dan ketentuan internal activities (in particular) and market developments and internal
maupun eksternal pada umumnya. and external provisions (in general).
3. Proses Manajemen Risiko 3. Risk Management Process
Proses manajemen risiko pasar dilakukan Bank melalui Asset The Bank carries out its market risk management process
and Liabilities Committee (ALCO) yang menetapkan tingkat through its Asset and Liabilities Committee (ALCO), which
suku bunga dengan mengoptimalkan kondisi pergerakan pasar. determines interest rates by optimizing conditions for market
movement.
Untuk mengelola risiko karena adanya pergerakan variabel To manage risks due to variables in market movements --
pasar, yaitu suku bunga, nilai tukar dan harga pasar dari specifically, interest rates, exchange rates and market prices
portofolio yang dimiliki, Bank melakukan evaluasi secara berkala of owned portfolios -- the Bank periodically evaluates market
terhadap limit-limit risiko pasar yang terdiri dari budget loss risk limits consisting of budget loss limits for trading book and
limit untuk aktivitas trading book serta banking book. Selain itu banking book activities. In addition, there is also a Repricing
terdapat pula limit Repricing Gap digunakan untuk mengelola Gap limit used to periodically manage interest rate risks in
interest rate risk in banking book yang dilakukan secara berkala. banking books.
178 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 181
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Sistem informasi manajemen risiko pasar memenuhi ekspektasi This market risk management information system meets
dimana risk owner menyampaikan laporan posisi risiko pasar expectations. Risk owners periodically submit market risk
kepada manajemen secara berkala. Bank juga memiliki position reports to management. The Bank also has sufficient
Sumber Daya Manusia (SDM) yang cukup dan didukung Human Resources (HR) with good levels of understanding on
dengan pemahaman yang baik. Bank akan terus meningkatkan this topic. The Bank will continue to improve its competence
kompetensi demi tercapainya strategi bisnis treasury sebagai in order to achieve its treasury business strategy to serve as a
profit center dan menerapkan strategi penempatan dana yang profit center. It will implement a fund placement strategy that
dapat meminimalisir kerugian yang disebabkan faktor risiko can minimize losses caused by market risk factors.
pasar.
4. Sistem Pengendalian Internal 4. Internal Control System
Bank melakukan pengendalian pembatasan kerugian yang The Bank controls the limitation of losses that arise through its
timbul melalui penetapan limit transaksi yaitu limit transaksi process of determining transaction limits, specifically, dealer
dealer, cut loss limit, sehingga aktivitas treasury dapat dipantau transaction limits and cut loss limits. This process is carried out
dan dievaluasi. Pengawasan perkembangan aktivitas limit so that treasury activities can be monitored and evaluated. The
transaksi treasury untuk memastikan bahwa treasury telah process of supervising the development of treasury transaction
mematuhi limit transaksi yang telah ditetapkan, terutama untuk limit activities to ensure that treasury has complied with the
cut-loss limit menjadi prioritas. established transaction limits (especially for cut-loss limits) is
considered a priority.
Pelaksanaan kaji ulang independen (independent review) Independent reviews is carried out by the Internal Audit
dilakukan oleh fungsi SKAI dengan metodologi dan frekuensi Unit function. These reviews make use of a methodology
sesuai aturan, dimana hasil kaji ulang dilaporkan kepada Dewan and frequency that are both in accordance with established
Komisaris dan Direksi. rules. Results of these reviews are reported to the Board of
Commissioners and Directors.
Risiko Likuiditas Liquidity Risk
Risiko likuiditas dapat muncul sebagai akibat dari mismatch antara Liquidity risk may arise as a result of a mismatch between the
struktur aset dan liabilitas Bank, dimana Bank berisiko untuk tidak Bank's asset and liability structure. The Bank may be at risk of
mampu memenuhi kewajiban yang jatuh tempo dari sumber not being able to meet maturing obligations from cash flow
pendanaan arus kas dan/atau dari aset likuid berkualitas tinggi yang funding sources and/or from high-quality liquid assets that can
dapat dilikuidasi segera dan/atau diagunkan tanpa mengganggu be liquidated immediately and/or collateralized without disrupting
aktivitas keuangan Bank. Dalam hal ini, Bank menjaga rasio-rasio the Bank's financial activities. If this happens, the Bank maintains
penilaian risiko likuiditas, nilai outstanding asset likuid Bank dan liquidity risk assessment ratios and its outstanding liquid asset
rasio-rasio pendukung seperti, Aset Likuid Primer dan Aset Likuid value and supporting ratios such as Primary Liquid Assets and
Sekunder terhadap Total Aset. Rasio LCR dan NSFR dipertahankan Secondary Liquid Assets to Total Assets. The LCR and NSFR ratios
di atas batas minimum regulator dan penggunaan dana selalu are maintained above regulatory minimum limits, while the use
dilakukan secara optimal dengan tetap memperhatikan ketentuan of funds is always carried out optimally while also still taking into
Otoritas Jasa Keuangan/Bank Indonesia tentang prinsip kehati- consideration any provisions of the Financial Services Authority/
hatian serta memiliki contingency funding plan yang memadai Bank Indonesia when it comes to the principle of prudence. The
sebagai mitigasi potensi risiko likuiditas yang mungkin timbul. Bank also ensures that it has an adequate contingency funding plan
as a way of mitigating any potential liquidity risks that may arise.
1. Tata Kelola Risiko 1. Risk Governance
Dalam mengelola likuiditas, selain primary reserves, Bank In addition to its primary reserves, the Bank also maintains
juga menjaga dan mempertahankan secondary reserves and preserves secondary reserves to ensure its liquidity is at a
untuk memastikan likuiditas berada pada level yang aman. safe level. The availability of these reserves is monitored daily,
Ketersediaan atas reserves tersebut dipantau secara harian, weekly and monthly by the Treasury Division.
mingguan, dan bulanan oleh Divisi Treasury.
Sebagai bentuk pelaksanaan tugas, Dewan Komisaris dan The Board of Commissioners and the Board of Directors both
Direksi memiliki awareness dan pemahaman yang baik have good levels of awareness and understanding of Liquidity
mengenai manajemen Risiko Likuiditas. Budaya manajemen Risk management. The culture of liquidity risk management has
risiko likuiditas telah dikomunikasikan dengan baik pada been well communicated at all levels of the organization. The
seluruh level organisasi. Direksi bertanggung jawab terhadap Board of Directors is responsible for preparing a Contingency
2024 Annual Report & Sustainability Report
179
Page 182
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
penyusunan Contingency Funding Plan yang berisi langkah Funding Plan that contains steps that must be taken by the
yang harus dilakukan oleh Bank dalam mengantisipasi dan Bank in anticipating of any situation involving difficulties when
menghadapi kondisi kesulitan likuiditas.Selain itu, Direksi dealing with liquidity. In addition, the Board of Directors is
bertugas memantau kondisi internal dan perkembangan tasked with monitoring internal conditions and developments
faktor eksternal yang secara langsung maupun tidak langsung in external factors that directly or indirectly affect the Bank's
mempengaruhi strategi bisnis Bank terkait risiko likuiditas, business strategy related to liquidity risk. Meanwhile, the Board
begitu pula Dewan komisaris selalu memberikan saran kepada of Commissioners is always providing advice to the Board of
Direksi dalam menentukan langkah-langkah strategis yang perlu Directors in regards to figuring out strategic steps that need
dijalankan. Penetapan suku bunga DPK selalu dikaji ulang setiap to be taken. The process of determining Third Party Fund
bulan dalam rapat Asset and Liabilities Committee (ALCO). interest rates is always reviewed every month through Asset
and Liabilities Committee (ALCO) meetings.
2. Kerangka Manajemen Risiko 2. Risk Management Framework
Sebagai strategi pengelolaan risiko likuiditas, Bank As part of its liquidity risk management strategy, the Bank
mengidentifikasi dan memantau berbagai faktor utama identifies and monitors various key factors that affect its own
yang mempengaruhi kemampuan Bank untuk memperoleh ability to obtain funding sources. This includes alternative
sumber pendanaan, termasuk sumber alternatif yang dapat sources that can strengthen its own capacity to survive in
memperkuat kapasitas untuk bertahan pada kondisi krisis. crisis conditions. The function of managing liquidity needs is
Fungsi pengelolaan kebutuhan likuiditas dilakukan oleh ALCO carried out by ALCO and is operated by the Treasury Division.
dan secara operasional oleh Divisi Treasury.
Kecukupan secondary reserves, strategi menurunkan dana The Bank ensures that it maintains adequacy in its secondary
jangka pendek dan berbiaya mahal masih terus dilakukan reserves. Strategies to reduce short-term and expensive funds
dengan mempertimbangkan maturity gap yang terukur dan are still being carried out by taking measurable and balanced
seimbang. Pemantauan dan pengendalian terhadap kondisi maturity gaps into consideration. The processes of both
likuiditas terus menjadi perhatian dari manajemen. monitoring and controlling liquidity conditions continue to be
a source of concern for management.
Direksi telah mendelegasikan wewenang dan tanggung jawab The Board of Directors has delegated authority and
kepada Divisi Treasury dalam mengelola likuiditas Bank untuk responsibility to the Treasury Division for managing the Bank's
memelihara Giro Wajib Minimum (GWM), Loan to Funding liquidity and maintaining a Minimum Statutory Reserves and a
Ratio (LFR), serta memastikan pengelolaan secondary reserves Loan to Funding Ratio (LFR) to ensure that the management
sejalan dengan tujuan strategis, juga peran ALCO dalam of secondary reserves is in line with strategic objectives. There
menetapkan kebijakan dan strategi likuiditas. is also the role of ALCO in determining liquidity policies and
strategies.
Kebijakan manajemen risiko likuiditas Bank mencakup The Bank's liquidity risk management policy includes
manajemen likuiditas, pemeliharaan cadangan likuiditas yang liquidity management, maintaining optimal liquidity reserves,
optimal, penetapan strategi pendanaan, proyeksi arus kas, profil determining funding strategies, cash flow projections, maturity
maturitas, penetapan limit likuiditas, dan Rencana Pendanaan profiles, determining liquidity limits, and a Contingency Funding
Darurat (Contingency Funding Plan). Kebijakan ini bertujuan Plan. This policy is designed to ensure the Bank's adequacy
untuk memastikan kecukupan dana harian dalam memenuhi when it comes to daily funds for meeting obligations under
kewajiban pada kondisi normal maupun kondisi krisis secara normal conditions and crisis conditions in a timely manner
tepat waktu dari berbagai sumber dana yang tersedia. from various available funding sources.
3. Proses Manajemen Risiko 3. Risk Management Process
Dalam upaya mitigasi risiko likuiditas, Bank telah menerapkan In an effort to mitigate its own liquidity risk, the Bank has
Rencana Pendanaan Darurat (Contingency Funding Plan) dalam implemented its own Contingency Funding Plan. The Bank
upaya memitigasi risiko. Bank menjaga cadangan likuiditas maintains liquidity reserves by maintaining a sufficient amount of
dengan mempertahankan jumlah aset likuid berkualitas tinggi high-quality liquid assets to meet its commitments to customers
yang cukup untuk memenuhi komitmennya kepada para and other parties. It does this in the context of providing credit,
nasabah dan pihak lainnya, baik dalam rangka pemberian repaying customer deposits, meeting liquidity needs and
kredit, pembayaran kembali simpanan nasabah, pemenuhan ensuring that the amount of assets due in each period can
kebutuhan likuiditas dan menjaga agar jumlah aset yang jatuh cover the amount of liabilities due.
tempo pada setiap periode dapat menutupi jumlah liabilitas
yang jatuh tempo.
180 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 183
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Early Warning System (EWS) sebagai salah satu sistem informasi The Bank's Early Warning System (EWS) serves as one of the
atas terjadinya pemburukan situasi yang bisa membahayakan information systems that it uses in the event of a worsening
posisi likuiditas terus ditingkatkan mengingat EWS merupakan situation that could endanger the Bank's liquidity position. This
sebuah metodologi analisa yang dapat digunakan untuk system is always being improved upon, considering that EWS
mendeteksi suatu masalah likuiditas, untuk mengevaluasi represents an analysis methodology that can be used to detect
kebutuhan pendanaan Bank, dan strategi pada saat krisis. a liquidity problem and for evaluating the Bank's funding needs
and strategies during a crisis.
4. Sistem Pengendalian Risiko 4. Risk Control System
Pengendalian risiko likuiditas dilakukan oleh Divisi Treasury Liquidity risk control is carried out by the Treasury Division as a
sebagai tindak lanjut hasil pemantauan kinerja dan kepatuhan follow-up action to the monitoring results from the performance
unit kerja operasional terhadap limit likuiditas yang telah and compliance of operational work units with the established
ditetapkan. Secara khusus, Divisi Treasury memperhatikan liquidity limits. The Treasury Division specifically pays attention
indikator peringatan dini (early-warning indicators) dalam to early warning indicators in monitoring liquidity positions as
memantau posisi likuiditas sebagai bagian dari proses part of the Bank's liquidity management process and as a way
manajemen likuiditas serta untuk mengetahui peningkatan to determine any increase in potential risks in facing normal
potensi risiko dalam menghadapi kondisi normal maupun and abnormal conditions. This includes funding strategies such
kondisi tidak normal, yang meliputi strategi pendanaan as diversification of sources and funding terms to support the
mencakup diversifikasi sumber dan jangka waktu pendanaan Bank's business plan.
untuk mendukung rencana bisnis Bank.
Tanggapan terhadap temuan dan hasil kaji ulang sudah Responses made to any review findings and results have been
dilakukan dengan optimal, dimana dual control system telah carried out optimally. The Bank's dual control system has also
diperbaiki dari sisi mekanisme dan prosedur, serta perbaikan been improved in terms of mechanisms and procedures, as
pada fungsi pengawasan. Kaji ulang independen dilakukan well as in terms of improvements in the supervisory function.
termasuk adanya perbaikan dalam aspek metodologi. Independent reviews are carried out on aspects such as
improvements in methodologies.
Risiko Operasional Operational Risk
Risiko operasional adalah risiko yang disebabkan adanya Operational risk is defined any risk caused by inadequacy and/
ketidakcukupan dan/atau tidak berfungsinya proses internal or non-functioning of internal processes (policies, systems and
(kebijakan, sistem dan prosedur), kesalahan sistem, kesalahan procedures), system errors, human error, or external problems that
manusia, atau adanya problem eksternal yang mempengaruhi affect the Bank's operations.
operasional Bank.
1. Tata Kelola Risiko 1. Risk Governance
Dewan Komisaris dan Direksi memiliki awareness dan The Board of Commissioners and the Board of Directors
pemahaman yang baik mengenai manajemen Risiko have a good sense of awareness and understanding when
Operasional. Budaya manajemen Risiko Operasional telah it comes to Operational Risk management. The culture of
diinternalisasikan dengan baik pada seluruh level organisasi. Operational Risk management has been well internalized at all
Penerapan manajemen risiko operasional dilakukan melalui levels of the organization. The implementation of operational
desain struktur organisasi yang menggambarkan keterlibatan risk management is carried out through the design of an
seluruh pihak yang terkait manajemen risiko operasional, organizational structure that describes the involvement of all
yaitu Dewan Komisaris, Direksi, Komite Manajemen Risiko, parties related to operational risk management. These parties
Satuan Kerja Manajemen Risiko, Unit Kerja Operasional, Fungsi encompass the Board of Commissioners, the Board of Directors,
Manajemen Risiko Operasional, dan Satuan Kerja Audit Internal. Risk Management Committee, Risk Management Work Unit,
Operational Work Unit, Operational Risk Management Function,
and Internal Audit Work Unit.
Bank juga telah memiliki Product Forum pada level operasional The Bank also has a Product Forum at the operational level to
untuk mendiskusikan semua inisiatif produk dan aktivitas baru discuss all new product initiatives and activities before being
sebelum dilakukan eskalasi melalui Komite Produk pada level escalated through the Product Committee at the level of the
Direksi. Hal ini dilakukan secara cepat berdasarkan prinsip agile Board of Directors. This is done quickly based on an agility
dalam pengembangan produk Bank, sehingga setiap risiko baru principle in the Bank's product development, ensuring that every
dapat diantisipasi dan dilakukan mitigasi risiko sedini mungkin. new risk can be anticipated and that risk mitigation carried out
as early as possible.
2024 Annual Report & Sustainability Report
181
Page 184
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Struktur tata kelola manajemen Risiko Operasional Bank The Bank's Operational Risk management governance structure
menggambarkan keterkaitan antara fungsi manajemen Risiko illustrates the relationship between the Operational Risk
Operasional pada tingkat perusahaan (Corporate Level), tingkat management function at the corporate level, the operational
unit kerja operasional, dan keterlibatan dari Satuan Kerja Audit work unit level, and the involvement of the Internal Audit Work
Internal sebagai Fungsi Assurance. Perumusan tingkat risiko Unit as an Assurance Function. Risk appetite and risk tolerance
yang diambil (risk appetite) dan toleransi risiko (risk tolerance) are both carried out in line with the Bank's business strategy
dilakukan sejalan dengan sasaran strategi bisnis Bank. targets.
2. Kerangka Manajemen Risiko 2. Risk Management Framework
Bank melakukan manajemen risiko operasional untuk The Bank carries out operational risk management to ensure
memastikan bahwa risiko operasional dapat dikelola dengan that operational risk can be managed properly in an effort to
baik dalam upaya memenuhi target usaha Bank dengan tetap meet the Bank's business targets, all while still implementing
menerapkan prinsip kehati-hatian pada setiap kegiatan usaha the principle of prudence in every business activity of the Bank.
Bank.
Risk Taking Unit sebagai fungsi yang melakukan proses The Risk Taking Unit, which serves as a function that carries out
pengelolaan risiko dari setiap aktivitas di unit operasional, dalam the risk management process of every activity in an operational
melaksanakan tugasnya dilengkapi dengan alat bantu RCSA unit, is equipped with Risk Control & Self Assessment (RCSA)
untuk memberikan kemudahan dalam mengelola risiko yang tools to provide convenience in managing the risks owned by
dimiliki oleh masing-masing unit kerja. Parameter yang terdapat each work unit. The parameters contained in these new tools
dalam alat bantu yang baru merupakan pengembangan dari are developments of previous parameters that were compiled
parameter sebelumnya yang disusun berdasarkan hasil evaluasi based on the results of periodic evaluations.
berkala.
Kecukupan Kebijakan dan prosedur operasional sudah The process of ensuring the adequacy of operational policies
dilakukan dengan memadai secara menyeluruh. Pembenahan and procedures has been adequately carried out. Policies
Kebijakan dan Standar Operating Procedure (SOP) dalam rangka and Standard Operating Procedures (SOP) are improved in
Perbaikan Tata Kelola Perusahaan yang Baik (Good Corporate the context of improving Good Corporate Governance (GCG).
Governance/GCG).
3. Proses Manajemen Risiko 3. Risk Management Process
Implementasi proses identifikasi, pengukuran, pemantauan The process of identifying, measuring, monitoring and
dan pengendalian risiko operasional dilakukan pada kantor controlling operational risks is carried out at the head office,
pusat, seluruh kantor cabang dan unit kerja yang terkait at all branch offices and across any work units related to
dengan bidang operasional. Bank terus menyempurnakan operations. The Bank continues to improve its operational
metodologi pengelolaan risiko operasional. Telah dilakukan risk management methodology. Various programs have been
berbagai program untuk peningkatan kesadaran risiko sebagai carried out to boost risk awareness as the beginning of a roll-out
awal dari roll out metodologi pengelolaan risiko. Proses ini juga of risk management methodology. This process also receives
mendapatkan pengawasan aktif Dekom dan keterlibatan aktif active supervision from the Board of Commissioners and active
dari Direksi Bank. involvement from the Bank's Directors.
Untuk memastikan Bank dapat melayani transaksi perbankan To ensure that the Bank can serve banking transactions that
yang berlangsung 24 jam sehari tanpa gangguan, Bank telah take place 24 hours a day without interruption, the Bank has
mempersiapkan 2 (dua) Data Center yang dirancang dengan prepared 2 (two) Data Centers designed with an environment
pendekatan environment redundancy dan tersinkronisasi redundancy approach and synchronized with the Bank's DRC
dengan DRC untuk memastikan kelangsungan usaha apabila to ensure business continuity in the event of a failure in the
terjadi kegagalan pada Data Center Utama. Main Data Center.
182 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 185
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
4. Sistem Pengendalian Risiko 4. Risk Control System
Sistem pengendalian internal berjalan cukup efektif dalam The Bank's internal control system runs quite effectively in
mendukung pelaksanaan manajemen risiko Operasional. Bank supporting Operational risk management. The Bank continues
terus berupaya melakukan perbaikan proses dan pengendalian to improve its processes and internal controls so that they
internal yang lebih efisien sesuai dengan best practice dan are more efficient in accordance with best practices and in
arah bisnis Bank. accordance with the Bank's business direction.
Pelaksanaan kaji ulang independen (independent review) Independent reviews are carried out by the Internal Audit Work
dilakukan oleh Satuan Kerja Audit Internal (SKAI) berdasarkan Unit based on a methodology that has results reported to the
metodologi, dimana hasilnya dilaporkan kepada Dewan Board of Commissioners and Directors. Follow-up actions
Komisaris dan Direksi. Tindak lanjut atas kaji ulang independen to independent reviews have been carried out through the
telah dilaksanakan dengan membuat target penyelesaian. creation of a completion target.
Risiko Stratejik Strategic Risk
Risiko strategis adalah risiko antara lain disebabkan adanya Strategic risk is defined as any risk caused by things such as
penetapan dan pelaksanaan strategi Bank yang tidak tepat, inappropriate Bank strategies, inconsistent business plan decision-
pengambilan keputusan rencana bisnis yang tidak tetap atau kurang making or the Bank's lack of responsiveness to external changes.
responsifnya Bank terhadap perubahan eksternal.
1. Tata Kelola Risiko 1. Risk Governance
Dewan Komisaris melakukan pengawasan aktif dengan The Board of Commissioners carries out active supervision
memberikan arahan kepada Direksi yang tertuang dari by providing direction to the Board of Directors by way of
rekomendasi yang disampaikan pada Rapat Komisaris dan recommendations submitted at Board of Commissioners and
Direksi sesuai ketentuan yang berlaku. Bank mengelola risiko Board of Directors Meetings in accordance with applicable
stratejik melalui proses pertimbangan dan pengambilan provisions. The Bank manages strategic risk through a process
keputusan setiap kebijakan strategis secara hati-hati oleh of careful consideration and decision-making of each strategic
Direksi. Pengelolaan risiko stratejik tersebut erat kaitannya policy by the Board of Directors. The management of strategic
dengan kemampuan dalam menyusun rencana kerja yang risk is closely related to preparing a coordinated work plan,
terkoordinasi, baik untuk jangka panjang maupun jangka both for the long term and the short term. The Bank's strategy
pendek oleh karenanya penetapan strategi Bank dirumuskan is formulated by taking into consideration Bank Indonesia/
dengan memperhatikan peraturan Bank Indonesia/Otoritas Financial Services Authority regulations/other related provisions
Jasa keuangan/ketentuan lainnya yang terkait serta and by taking into account the impact of strategic risk on the
memperhitungkan dampak risiko stratejik terhadap permodalan Bank's capital.
Bank.
Rencana Bisnis Bank (RBB) disusun sesuai dengan kondisi dan The Bank's Business Plan is prepared in accordance with
kemampuan optimal atas pendayagunaan sumber daya, baik conditions and optimal capabilities for the utilization of
sumber daya finansial, infrastruktur dan SDM yang dimiliki. resources (in terms of financial resources, infrastructure and
Dengan perencanaan strategis tersebut, Bank berkeyakinan human resources owned). It is through this strategic planning
dapat menjaga pertumbuhan yang berkelanjutan sehingga that the Bank believes that it can maintain sustainable growth
akan meningkatkan nilai perusahaan. Untuk meminimalkan that can increase the company's value. To minimize deviations
terjadinya penyimpangan pada pelaksanaan RBB, dilakukan in the implementation of this plan, achievements are monitored
pemantauan pencapaian RBB melalui Komite Manajemen through the Risk Management Committee, and communication
Risiko, dan telah dilakukan komunikasi kepada setiap jenjang has been carried out to every level of the organization, both
organisasi, baik pada saat penyusunan rencana serta pada saat during the preparation of this plan and during reviews carried
review pelaksanaan yang dilakukan secara rutin tiap semester. out routinely every semester.
2. Kerangka Manajemen Risiko 2. Risk Management Framework
Bank memiliki Kebijakan Manajemen Risiko Stratejik dan proses The Bank has a Strategic Risk Management Policy and a
manajemen Risiko Stratejik berfungsi untuk mengidentifikasi, Strategic Risk Management process that functions to identify,
mengukur, memantau, dan mengendalikan Risiko Stratejik. measure, monitor, and control Strategic Risk. The Bank has set
Bank telah menetapkan pencapaian target bank dalam Rencana the achievement of its targets in the Bank's Business Plan by
Bisnis Bank dengan mempertimbangkan risk limit (risk appetite taking inton consideration the agreed risk limits (risk appetite
dan risk tolerance) yang telah disepakati. and risk tolerance).
2024 Annual Report & Sustainability Report
183
Page 186
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
3. Proses Manajemen Risiko 3. Risk Management Process
Bank telah melaksanakan evaluasi secara berkala atas realisasi The Bank has carried out periodic evaluations of its Bank
RBB melalui Rapat Koordinasi Dewan Komisaris dan Direksi, Business Plan realization through its Coordination Meetings
sebagaimana dituangkan dalam Laporan Realisasi Rencana of the Board of Commissioners and Directors, as it has stated
Bisnis Bank yang disampaikan ke OJK setiap triwulanan. in its Bank Business Plan Realization Report submitted quarterly
to the Financial Services Authority (OJK).
Secara umum, Bank berupaya meningkatkan kualitas SDM In general, the Bank strives to improve the quality of human
sesuai dengan nilai perusahaan sehingga sejalan dengan resources in accordance with its company values so that it is in
strategi SDM yang mengacu pada strategi jangka panjang line with its own long-term strategy. The Bank continues to prioritize
perusahaan. Bank tetap mengedepankan pelaksanaan GCG the implementation of GCG in its strategic risk management process
dalam proses pengelolaan risiko strategis dengan tetap by continuing to monitor its own achievement of the Bank Business
memantau pencapaian Bank terhadap RBB. SIM berjalan Plan. The Bank's SIM runs well and includes strategic risk reports to
dengan baik, termasuk laporan risiko stratejik kepada Dewan the Board of Commissioners and Directors. Employee recruitment
Komisaris dan Direksi. Perekrutan karyawan dilakukan untuk is carried out to support business needs. Education and training
menunjang kebutuhan bisnis, pendidikan dan pelatihan, serta activities, as well as regular employee evaluations, will all see
evaluasi karyawan secara regular akan ditingkatkan untuk improvements to ensure the suitability of HR capabilities.
memastikan kesesuaian kapabilitas SDM.
4. Sistem Pengendalian Risiko 4. Risk Control System
Dalam pelaksanaan sistem pengendalian risiko stratejik, telah In its implementation of a strategic risk control system, the Bank
dilakukan pemantauan pencapaian realisasi dibandingkan monitors its achievement of results and compares these results
dengan rencana yang telah ditetapkan dan memastikan risiko to its established plan as a way to ensure that the risks it has
yang diambil masih dalam batas toleransi. Sistem pengendalian taken are still within the tolerance limits. The internal control
internal tersebut melibatkan seluruh manajemen dan karyawan system involves all management and employees. This system
Bank yang mencakup penetapan kebijakan dan prosedur includes the determination of control policies and procedures,
pengendalian, serta evaluasi untuk memastikan bahwa as well as evaluations to ensure that the policies and procedures
kebijakan dan prosedur tersebut sesuai arahan Direksi telah in accordance with the direction of the Board of Directors have
dipatuhi dan dilaksanakan secara efektif dan konsisten. been complied with and have been implemented effectively
and consistently.
Pengendalian internal merupakan kegiatan yang tidak Internal control is an activity that is inseparable from every
terpisahkan dari setiap fungsi atau kegiatan Bank sehari-hari function or daily activity of the Bank and can assist the Board
dan dapat membantu Direksi dan Komisaris dalam mengelola of Directors and Commissioners in managing and controlling
dan mengendalikan risiko yang dapat mempengaruhi kinerja risks that can affect performance or result in losses for the Bank.
atau mengakibatkan kerugian Bank.
Risiko Reputasi Reputation Risk
Risiko reputasi adalah risiko yang antara lain disebabkan oleh Reputation risk is defined as any risk that is caused by things such
adanya publikasi negatif yang terkait dengan kegiatan usaha Bank as negative publications related to the Bank's business activities
atau persepsi negatif terhadap Bank. or negative perceptions of the Bank.
1. Tata Kelola Risiko 1. Risk Governance
Dewan Komisaris bersama beberapa Komite di bawah Dewan The Board of Commissioners works together with several
Komisaris selalu melakukan pemantauannya terhadap setiap Committees under the Board of Commissioners to monitor
kejadian yang berpotensi risiko reputasi dan penyelesaianya. every incident that has the potential for reputation risk and to
Pengelolaan risiko reputasi dilakukan dengan mengoptimalkan resolve said incidents. Reputation risk management is carried
fungsi Corporate Secretary & PMO. Selain itu budaya karyawan out by optimizing the functions of the Bank's Corporate
Bank dalam berkomunikasi dan beraktifitas senantiasa Secretary and its Project Management Office (PMO). In addition,
berperilaku sesuai dengan kode etik perusahaan, serta the Bank's employee culture always behaves in accordance
memenuhi prinsip-prinsip transparansi, peningkatan kualitas with the company's code of ethics whenever employees are
184 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 187
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
pelayanan nasabah dan stakeholder lainnya, pelaksanaan communicating and carrying out activities. This culture also
komunikasi yang tepat dalam rangka menghadapi berita/ meets the principles of transparency and is always improving the
publikasi yang bersifat negatif atau pencegahan informasi yang quality of customer and stakeholder service and implementing
cenderung kontra produktif sebagai bagian tindakan mitigasi. appropriate communication in order to deal with negative
news/publications or preventing information that tends to be
counterproductive as part of mitigation measures.
2. Kerangka Manajemen Risiko 2. Risk Management Framework
Strategi manajemen risiko reputasi dilakukan searah dengan risk The Bank's reputation risk management strategy is carried
appetite dan risk tolerance. Bank memiliki berbagai Kebijakan out in line with risk appetite and risk tolerance. The Bank has
dan prosedur manajemen risiko reputasi Bank saat ini mulai various reputation risk management policies and procedures.
menetapkan berbagai kebijakan dan prosedur yang relevan The Bank is currently starting to establish various policies and
dengan arah bisnis Bank. procedures that are relevant to the Bank's business direction.
3. Proses Manajemen Risiko 3. Risk Management Process
Proses manajemen risiko reputasi berjalan baik dalam The Bank's reputation risk management process does well
mengidentifikasi, mengukur, memantau dan mengendalikan in identifying, measuring, monitoring and controlling risks in
risiko sesuai dengan Kebijakan dan SOP internal yang ada. accordance with existing internal policies and SOPs. Reputation
Identifikasi risiko reputasi dilakukan pada faktor risiko yang risk identification is carried out on risk factors inherent in
melekat pada aktivitas fungsional yang mencakup keterbukaan functional activities that include material information disclosure,
informasi yang material, keluhan nasabah terhadap pelayanan customer complaints about Bank services, Bank employee
Bank, sikap karyawan Bank dalam melayani nasabah, dan attitudes in serving customers, and the Bank's communication
sistem komunikasi Bank. Pengukuran risiko reputasi dilakukan system. Reputation risk measurement is carried out based
berdasarkan hasil assessment terhadap faktor-faktor yang on the results of an assessment of factors that influence the
berpengaruh pada reputasi Bank. Bank's reputation.
Bank telah memiliki unit Pengaduan Nasabah untuk mendukung The Bank has a Customer Complaints unit to support customer
layanan dan penanganan pengaduan nasabah dalam rangka service and complaint handling in order to control Reputation
pengendalian Risiko Reputasi. Corporate Secretary & PMO Risk. The Corporate Secretary and PMO are responsible for
bertanggung jawab atas penerapan kebijakan yang berkaitan implementing policies related to handling and resolving negative
dengan penanganan dan penyelesaian pemberitaan negatif news or avoiding counterproductive information and carrying
atau menghindari informasi kontraproduktif serta menjalankan out the Bank's Corporate Social Responsibility (CSR) function.
fungsi kepedulian dalam rangka melaksanakan Tanggung
Jawab Sosial Perusahaan (Corporate Social Responsibility/CSR).
Di bidang pengembangan sumber daya manusia, Bank telah In the field of human resource development, the Bank has
melaksanakan program pengembangan SDM di bidang implemented a human resource development program in the
pendidikan dan pelatihan bagi seluruh pegawai (sesuai job field of education and training for all employees (that has been
specification). designed according to job specifications).
4. Sistem Pengendalian Risiko 4. Risk Control System
Sistem pengendalian internal risiko reputasi dilakukan melalui The internal control system for reputation risk is carried out
upaya evaluasi secara periodik atas risiko reputasi yang through periodic evaluation efforts of any reputation risk faced
dihadapi Bank dan dituangkan dalam suatu laporan media by the Bank. These evaluations are stated in media monitoring
monitoring oleh Corporate Secretary & PMO. Pemantauan report by the Corporate Secretary & PMO. The Bank also
tingkat penyelesaian komplain nasabah dan dengan komunikasi monitors the level of customer complaints resolved and carries
yang konsisten melalui berbagai kanal konvensional seperti out consistent communication through various conventional
telepon dan email. Pemantauan juga dilakukan melalui berbagai channels such as telephone and email. Monitoring is also
kanal media sosial dimana hal ini menjadi salah satu fokus carried out through various social media channels. One focus
dari pengendalian risiko kepatuhan untuk senantiasa menjaga point of compliance risk control is to always maintain openness
keterbukaan informasi dan transparansi kepada seluruh of information and transparency to all stakeholders, as well as
stakeholder, serta menjalin hubungan yang harmonis dengan to always establish harmonious relationships with the media
pihak media dalam hal menjaga nama baik Bank. to maintain the Bank's good name.
2024 Annual Report & Sustainability Report
185
Page 188
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Risiko Hukum Legal Risk
Risiko hukum adalah risiko yang disebabkan oleh adanya kelemahan Legal risk is defined as any risk caused by weaknesses in legal
aspek yuridis, yang antara lain berupa tuntutan hukum, ketiadaan aspects, including lawsuits, the absence of supporting laws and
peraturan perundang-undangan yang mendukung atau kelemahan regulations, or weaknesses in obligations such as non-fulfillment
perikatan seperti tidak terpenuhinya syarat sah kontrak dan of valid contract requirements and imperfect collateral bindings.
pengikatan agunan yang tidak sempurna.
1. Tata Kelola Risiko 1. Risk Governance
Pengelolaan risiko hukum dilaksanakan di bawah koordinasi unit Legal risk management is carried out under the coordination of
kerja yang menjalankan Divisi Legal, yang bertindak sebagai the work unit that runs the Legal Division, which acts as a "legal
“legal watch” dan bertanggung jawab memberikan legal advice watch" and is responsible for providing legal advice according
sesuai dengan kebutuhan dan permintaan dari unit kerja, yang to the needs and requests of the work unit and is considered to
dinilai akan memiliki legal impact berdasarkan hasil analisa have a legal impact based on analysis results of the work unit
dari unit kerja yang mengajukan. Dewan Komisaris dan Direksi that submitted these results. The Board of Commissioners and
memiliki pemahaman dan kepedulian yang baik mengenai Directors have a good sense of understanding and concern
manajemen risiko hukum. regarding legal risk management.
2. Kerangka Manajemen Risiko 2. Risk Management Framework
Strategi pengelolaan risiko hukum yang dilakukan Bank The legal risk management strategy carried out by the Bank is
ditujukan untuk mengantisipasi timbulnya risiko hukum dan intended to anticipate the emergence of legal risks and minimize
meminimalkan dampaknya. Dalam struktur organisasi, Bank their impact. In the organizational structure, the Bank already
sudah memiliki Divisi Hukum secara khusus untuk menunjang has a Legal Division specifically to support the implementation
pelaksanaan proses manajemen risiko hukum dan adanya of the legal risk management process. The existence of the
Divisi Legal menjadi kunci dalam mengelola dan melakukan Legal Division is key in managing and mitigating legal risks.
mitigasi risiko hukum sehingga dapat memberikan perlindungan It can provide legal protection for the Bank in carrying out
hukum dalam melaksanakan kegiatan perbankan dengan tetap banking activities while still paying attention to applicable
memperhatikan ketentuan hukum yang berlaku. legal provisions.
Bank telah memiliki kebijakan dan prosedur yang memadai The Bank has adequate policies and procedures in the legal
dalam proses manajemen risiko hukum, dimana strategi risk management process. Its legal problem handling strategy
penanganan masalah hukum ditangani oleh Divisi Legal pada is handled by the Legal Division for general issues and for
masalah yang sifatnya umum dan untuk hal yang spesifik terkait specific matters related to credit with the assistance of the
perkreditan dibantu oleh unit kerja Admin Kredit, Bisnis, dan Credit Admin, Business, and Credit Analyst work units.
Analis Kredit.
3. Proses Manajemen Risiko 3. Risk Management Process
Proses manajemen risiko hukum memadai dalam The Bank's legal risk management process for identifying,
mengidentifikasi, mengukur, memantau dan mengendalikan measuring, monitoring and controlling risks has been carried
risiko dinilai telah berjalan sesuai SOP yang ada. Untuk out in accordance with existing SOPs. To measure losses due
mengukur kerugian akibat adanya tuntutan hukum yang to lawsuits that have the potential for significant losses, the
memiliki potensi kerugian signifikan Bank telah mengantisipasi Bank has implemented a contingency plan as an action to
dengan menjalankan contingency plan sebagai tindakan untuk reduce legal risk. This plan includes the use of legal services
mengurangi risiko hukum, antara lain melalui penggunaan jasa and reporting any progress made to the Board of Directors.
pengacara dan melaporkan perkembangannya kepada Direksi.
Pengukuran Risiko Hukum dilaksanakan berdasarkan laporan Legal Risk Measurement is carried out based on evaluation
hasil evaluasi atas analisis kasus-kasus hukum secara individual reports from analyzing individual legal cases against contingent
terhadap kewajiban kontinjensi yang timbul dari tuntutan hukum liabilities arising from lawsuits that occur. The Bank also has
yang terjadi. Bank juga memiliki sistem informasi manajemen a risk management information system and internal control
risiko dan sistem pengendalian internal dalam mendukung system to support the implementation of legal risk management.
pelaksanaan manajemen risiko hukum.
186 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 189
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
4. Sistem Pengendalian Risiko 4. Risk Control System
Bank terus melakukan berbagai peningkatan dan perbaikan The Bank made the following improvements and refinements
pengendalian internal, sebagai berikut: to internal control:
a. Melakukan identifikasi kelemahan-kelemahan yang dapat a. Identifying weaknesses that could cause legal problems
menimbulkan masalah hukum bagi Bank melalui review for the Bank through reviews and conducting studies of
serta melakukan kajian terhadap dokumen-dokumen legal documents arising from contracts and agreements
hukum yang timbul dari kontrak dan perjanjian yang dibuat made or related to products and services.
ataupun yang terkait dengan produk dan layanan.
b. Memastikan kesesuaian dan kepastian yuridis atas perikatan b. Ensuring the suitability and legal certainty of agreements
antara Bank dengan para pihak dengan mengacu pada between the Bank and parties by referring to the principle
prinsip kehati-hatian dalam rangka melindungi kepentingan of prudence in order to protect the Bank's own interests.
Bank.
Pelaksanaan kaji ulang independen (independent review) Independent reviews are carried out by the Internal Audit Work
dilakukan oleh Satuan Kerja Audit Internal (SKAI), untuk menjadi Unit. The Bank conducts studies of laws and regulations, both new
perhatian manajemen dalam hal melakukan kajian terhadap and existing, and studies of actual legal events that occur in the
peraturan perundang-undangan baik yang baru maupun field to ensure that the Bank's internal provisions do not deviate
yang sudah berlaku dan peristiwa hukum aktual yang terjadi from the provisions of applicable laws and regulations.
di lapangan untuk memastikan bahwa ketentuan internal Bank
tidak menyimpang dari ketentuan perundangan yang berlaku.
Risiko Kepatuhan Compliance Risk
Risiko kepatuhan merupakan risiko yang disebabkan akibat Bank Compliance risk is defined as any risk caused by the Bank not
tidak mematuhi ketentuan perundang-undangan yang berlaku. complying with the provisions of applicable laws and regulations.
1. Tata Kelola Risiko 1. Risk Governance
Pengelolaan risiko kepatuhan dilaksanakan di bawah Compliance risk management is carried out under the
koordinasi Divisi Kepatuhan. Setiap pimpinan unit kerja di coordination of the Compliance Division. Each work unit leader
Bank bertanggung jawab untuk memastikan bahwa seluruh at the Bank is responsible for ensuring that all activities in his/her
kegiatan di unit kerjanya telah dilaksanakan sesuai dengan work unit have been carried out in accordance with applicable
peraturan dan perundangan serta ketentuan yang berlaku, laws, regulations and provisions. This is all to make sure that
sehingga tidak terjadi pengenaan denda atas keterlambatan, there are no fines imposed for delays, report corrections or
koreksi laporan ataupun hal lainnya. other matters.
Dewan Komisaris dan Direksi berperan aktif dalam The Board of Commissioners and Board of Directors play an
menumbuhkan dan mewujudkan budaya kepatuhan pada active role in fostering and realizing a culture of compliance at
semua tingkatan organisasi dan kegiatan usaha Bank, dengan all levels of the Bank's organization and business activities. They
didukung oleh Divisi Kepatuhan yang melakukan evaluasi are supported by the Compliance Division, which evaluates
terhadap pelaksanaan kepatuhan Bank dan mengkaji hal-hal the Bank's compliance implementation and reviews matters
atau aktivitas Bank yang berpotensi terhadap peningkatan or activities of the Bank that have the potential to increase
risiko kepatuhan. compliance risk.
Manajemen Bank melakukan penerapan Tata Kelola Perusahaan The Bank's management implements Corporate Governance
dengan memenuhi prinsip-prinsip GCG, sehingga jika terdapat by fulfilling the principles of GCG. This is so that if there are
kelemahan dalam penerapan prinsip GCG, maka secara umum weaknesses in the implementation of GCG principles, then in
kelemahan tersebut kurang signifikan dan dapat diselesaikan general these weaknesses can be made to be less significant
oleh manajemen Bank. and can be resolved by the Bank's management.
2. Kerangka Manajemen Risiko 2. Risk Management Framework
Strategi Bank dalam pengelolaan risiko kepatuhan ditujukan The Bank's strategy in managing compliance risk is aimed
untuk memitigasi dampak dari pelanggaran terhadap ketentuan at mitigating the impact of violations of applicable laws and/
dan/atau peraturan perundang-undangan yang berlaku. Bank or regulations. The Bank has a strong commitment to always
memiliki komitmen yang kuat untuk senantiasa mematuhi comply with applicable laws and regulations and take steps
peraturan perundang-undangan yang berlaku dan mengambil to correct any weaknesses that may arise.
langkah-langkah untuk memperbaiki kelemahan yang terjadi.
2024 Annual Report & Sustainability Report
187
Page 190
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Kecukupan perangkat organisasi dalam mendukung The organizational devices that support the implementation terlaksananya manajemen risiko secara efektif termasuk of effective risk management include clarity of authority and kejelasan wewenang dan tanggung jawab, seluruh lini responsibility. All levels of the organization are responsible organisasi bertanggung jawab terhadap pengelolaan risiko for managing compliance risk in all Bank activities as a way kepatuhan pada seluruh aktivitas Bank untuk dapat melakukan to mitigate potential compliance risks that may take place. mitigasi potensi risiko kepatuhan yang mungkin terjadi. Dewan The Board of Commissioners is responsible for approving Komisaris bertanggung jawab untuk menyetujui kebijakan risk management policies and providing advice. The board manajemen risiko dan memberikan nasihat. Dengan dibantu is assisted by the Audit Committee and the Risk Oversight oleh Komite Audit dan Komite Pemantau Risiko, Dewan Committee as it supervises compliance risk management Komisaris melakukan pengawasan terhadap pelaksanaan implementation. manajemen risiko kepatuhan. 3. Proses Manajemen Risiko 3. Risk Management Process Proses manajemen risiko kepatuhan dimulai dari proses The Bank's compliance risk management begins with the identifikasi untuk memastikan bahwa seluruh kebijakan, identification process to ensure that all policies, provisions, ketentuan, sistem, dan prosedur, serta kegiatan usaha yang systems, and procedures, as well as business activities carried dilakukan Bank telah sesuai dengan peraturan perundang- out by the Bank are in accordance with applicable laws and undangan yang berlaku. Pengukuran risiko kepatuhan regulations. Compliance risk measurement is carried out against dilakukan terhadap potensi kerugian yang disebabkan oleh potential losses caused by non-compliance and the Bank's ketidakpatuhan dan ketidakmampuan Bank dalam memenuhi inability to meet applicable external provisions. The magnitude ketentuan eksternal yang berlaku. Besarnya risiko kepatuhan of compliance risk is estimated based on the Bank's ability to diestimasi berdasarkan kemampuan Bank untuk memenuhi meet all regulations in the past and in the future. seluruh peraturan pada waktu yang lampau dan yang akan datang. Peningkatan kualitas SDM terus dilakukan dalam rangka Human resource quality improvement continues to be carried out meningkatkan pelaksanaan pengelolaan fungsi kepatuhan in order to boost the implementation of the Bank's compliance Bank, yaitu dengan cara melakukan pengembangan kompetensi function management, specifically, by developing competencies melalui pengadaan pendidikan dan pelatihan. through the provision of education and training activities. 4. Sistem Pengendalian Risiko 4. Risk Control System Dalam rangka meningkatkan efektivitas pengendalian In order to improve the effectiveness of internal control, the internal, Bank telah membuat langkah-langkah dalam rangka Bank has taken steps to support the creation of a culture of mendukung terciptanya budaya kepatuhan pada seluruh compliance in all of the Bank's business activities. The Bank kegiatan usaha Bank. Bank mengambil tindakan korektif yang takes timely corrective action against violations to ensure the tepat waktu terhadap pelanggaran, kegiatan ini dilakukan Bank's compliance with fulfilling its commitments to Bank untuk memastikan kepatuhan Bank terhadap pemenuhan Indonesia, OJK and other supervisory authorities. The form of komitmen kepada Bank Indonesia, OJK maupun otoritas this commitment can come from audit results or letters from pengawas lainnya. Bentuk komitmen tersebut dapat berasal Bank Indonesia, OJK and/or other supervisory authorities. dari hasil audit maupun surat Bank Indonesia, OJK dan/atau otoritas pengawas lainnya. Terdapat beberapa kelemahan dalam sistem pengendalian The Bank has several weaknesses in its internal control intern pada aspek kepatuhan terkait dengan pelanggaran system when it comes to the compliance aspect related to administratif yang sifatnya minor dan ad hoc, namun masih administrative violations that are minor and ad hoc in nature, dalam batas toleransi Bank. Kaji ulang independen sudah but are still within the Bank's tolerance limits. The Bank's berjalan baik walaupun masih terdapat berbagai kelemahan independent review process runs well, but there are still various dalam aspek metodologi. weaknesses in its methodology. 188 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 191
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Good Corporate Governance Good Corporate Governance
Bank melakukan penilaian sendiri terhadap seluruh kriteria/indikator The Bank conducts its own self-assessment of all criteria/indicators of
penerapan tata kelola, dengan mempertimbangkan faktor yang governance implementation. It does this by considering factors that
mencakup baik governance structure, governance process, dan include governance structure, governance process, and governance
governance outcome, dan pemenuhan atas prinsip GCG seperti outcome, and fulfillment of GCG principles such as membership of
keanggotaan Dewan Komisaris, Direksi dan Komite. Bank menyadari the Board of Commissioners, Board of Directors and Committees. The
bahwa perbaikan dan peningkatan kualitas pelaksanaan Tata Kelola, Bank realizes that improving and enhancing the quality of Governance
merupakan upaya berkesinambungan, maka dari itu Bank akan implementation represents a continuous effort. Towards this end,
melakukan hal-hal sebagai berikut: the Bank has carried out the following efforts:
1. Melakukan penilaian (self-assessment) terhadap kecukupan 1. Conducted a self-assessment on the adequacy of Governance
pelaksanaan Tata Kelola dan menyusun laporan pelaksanaan implementation and compiled periodic implementation
secara berkala sehingga dalam hal masih terdapat kekurangan reports so that the necessary corrective actions can be taken
maka dapat segera dilakukan tindakan korektif yang diperlukan. immediately if deficiencies were still found.
2. Memprioritaskan komitmen yang telah dibuat oleh Bank kepada 2. Prioritized commitments that have been made by the Bank to
Regulator atas perbaikan Penerapan Tata Kelola sebagai tindak regulators as way for improving Governance Implementation
lanjut atas hasil pemeriksaan Otoritas Jasa Keuangan di tahun and as follow-up actions to the results of the Financial Services
2024. Authority's inspections in 2024.
3. Bank telah menyediakan sumber daya manusia yang berkualitas. 3. The Bank has provided quality human resources. Efforts towards
Pemenuhan jumlah SDM dan peningkatan kemampuan dan having the right amount of HR and increasing the ability and
kualitas SDM pada unit kerja terus dilakukan guna terpenuhinya quality the Bank's HR within work units continued to be carried
tata kelola Bank yang baik. out in order to fulfill good Bank governance.
4. Kebijakan, ketentuan, serta sistem dan prosedur yang dimiliki 4. The Bank's policies, provisions, and systems and procedures
oleh Bank telah diperbaharui sesuai dengan ketentuan yang have been updated in accordance with applicable provisions.
berlaku. Bank terus memantau implementasi kebijakan The Bank continued to monitor the implementation of these
dan prosedur tersebut agar sesuai dengan ketentuan dan policies and procedures to ensure that they complied with
perundang-undangan yang berlaku. applicable laws and regulations.
Rentabilitas Rentability
Secara umum Allo Bank telah melakukan upaya mitigasi risiko In general, Allo Bank has made optimal risk mitigation efforts. This
yang cukup optimal sehingga Rentabilitas Bank tahun 2024 secara was to ensure that the Bank's Rentability in 2024 generally improved
umum membaik dibandingkan tahun 2023, terlihat dari perbaikan compared to 2023. The results can be seen from the improvement
beberapa rasio rentabilitas seperti ROA, ROE, dan NIM. in several rentability ratios such as ROA, ROE, and NIM.
Permodalan Capitalization
Kewajiban Penyediaan Modal Minimum (KPMM) posisi 31 Desember The s Minimum Capital Adequacy Ratio as of December 31, 2024
2024 adalah sebesar 9,90%. Berdasarkan capaian tersebut, was 9.90%. This result means that the Bank's capital adequacy is
kecukupan modal Bank dinilai masih mampu menyerap potensi considered still capable of absorbing potential losses faced and is
kerugian yang dihadapi dan jauh di atas batas minimal yang still far above the minimum limit required by regulators.
dipersyaratkan regulator.
2024 Annual Report & Sustainability Report
189
Page 192
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Uraian Kualitatif
dan Kuantitatif
Qualitative and Quantitative
terkait Permodalan Descriptions Related to Capital and
dan Eksposur Risiko Risk Exposure
Tabel Laporan Ukuran Utama (Keymetrics)
Keymetrics Report Tables
Deskripsi
No. Description
Modal yang Tersedia (nilai)
Available Capital (value)
1 Modal Inti Utama (CET1)
Common Equity Tier 1 (CET 1)
2 Modal Inti (Tier 1)
Core Capital (TIER 1)
3 Total Modal
Total Capital
Aset Tertimbang Menurut Risiko (Nilai)
Risk Weighted Assets (Value)
4 Total Aset Tertimbang Menurut Risiko (ATMR)
Total Risk Weighted Assets (RWA)
Rasio Modal berbasis Risiko dalam bentuk persentase dari ATMR
Risk-based Capital Ratio in the form of a percentage of RWA
5 Rasio CET1 (%)
CET1 Ratio (%)
6 Rasio Tier 1 (%)
Tier 1 Ratio (%)
7 Rasio Total Modal (%)
Total Capital Ratio (%)
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
8 Capital conservation buffer (2.5% dari ATMR) (%)
9 Countercyclical Buffer (0 - 2.5% dari ATMR) (%)
10 Capital Surcharge untuk Bank Sistemik (1% - 2.5%) (%)
Capital Surcharge for Systemic Banks (1% - 2.5%) (%)
11 Total CET1 sebagai buffer (Baris 8 + Baris 9 + Baris 10)
Total CET1 as buffer (Line 8 + Line 9 + Line 10)
12 Komponen CET1 untuk buffer
CET1 component for buffer
190 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 193
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
31-Dec-24 30-Sep-24 30-Jun-24 31-Mar-24 31-Dec-23
7,112,796 7,025,499 6,877,251 6,790,501 6,811,607
7,112,796 7,025,499 6,877,251 6,790,501 6,811,607
7,188,188 7,082,566 6,927,270 6,827,090 6,899,332
8,704,733 8,303,732 8,946,917 7,736,839 8,277,265
81.71% 84.61% 76.87% 87.77% 82.29%
81.71% 84.61% 76.87% 87.77% 82.29%
82.58% 85.29% 77.43% 88.24% 83.35%
2.500% 2.500% 2.500% 2.500% 2.500%
0.000% 0.000% 0.000% 0.000% 0.000%
0.000% 0.000% 0.000% 0.000% 0.000%
2.500% 2.500% 2.500% 2.500% 2.500%
72.68% 75.29% 67.43% 78.24% 73.45%
2024 Annual Report & Sustainability Report
191
Page 194
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Deskripsi
No. Description
Rasio pengungkit sesuai Basel III
Leverage ratio according to Basel III
13 Total Eksposur
Total Exposure
14 Nilai Rasio Pengungkit, termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank
Indonesia dalam rangka memenuhi ketentuan GWM (jika ada)
Leverage Ratio value, including the impact of adjustments to temporary exemptions for placement of current accounts with Bank
Indonesia in order to comply with the GWM requirements (if any)
14b Nilai Rasio Pengungkit, tidak termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank
Indonesia dalam rangka memenuhi ketentuan GWM (jika ada)
Leverage Ratio value, excluding the impact of adjustments to temporary exemptions for placement of current accounts with Bank
Indonesia in order to comply with the GWM provisions (if any)
14c Nilai Rasio Pengungkit, termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank
Indonesia dalam rangka memenuhi ketentuan GWM (jika ada), yang telah memasukkan nilai rata-rata dari nilai tercatat aset Securities
Financing Transaction (SFT) secara gross
The value of the Leverage Ratio, including the impact of adjustments to temporary exceptions for placement of current accounts with
Bank Indonesia in order to comply with the GWM requirements (if any), which has included the average value of the gross carrying
value of Securities Financing Transaction (SFT) assets
14d Nilai Rasio Pengungkit, tidak termasuk dampak dari penyesuaian terhadap pengecualian sementara 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
The value of the Leverage Ratio, excluding the impact of adjustments to temporary exceptions for placement of current accounts with
Bank Indonesia in order to comply with the GWM requirements (if any), which has included the average value of the gross carrying
value of SFT assets
Rasio Kecukupan Likuiditas (LCR)
Liquidity Coverage Ratio (LCR)
15 Total Aset Likuid Berkualitas Tinggi (HQLA)
Total High Quality Liquid Assets (HQLA)
16 Total Arus Kas Keluar Bersih
Net Cash Outflow
17 LCR (%)
Rasio Pendanaan Stabil Bersih (NSFR)
Net Stable Funding Ratio (NSFR)
18 Total Pendanaan Stabil yang Tersedia (ASF)
Total Available Stable Funding (ASF)
19 Total Pendanaan Stabil yang Diperlukan (RSF)
Total Required Stable Funding (RSF)
20 NSFR (%)
192 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 195
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
31-Dec-24 30-Sep-24 30-Jun-24 31-Mar-24 31-Dec-23
15,046,793 14,934,074 14,058,266 13,263,258 13,004,496
47.27% 47.04% 48.92% 51.20% 52.38%
47.27% 47.04% 48.92% 51.20% 52.38%
0.00% 0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00% 0.00%
3,678,172 3,023,839 3,410,603 3,931,138 3,498,660
2,127,994 1,721,117 1,963,625 2,172,522 1,501,490
173% 176% 174% 181% 233%
9,168,578 9,132,593 8,719,542 8,888,578 8,945,209
7,913,049 7,742,300 8,160,354 7,598,721 8,006,003
116% 118% 107% 117% 112%
2024 Annual Report & Sustainability Report
193
Page 196
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Template LI1: Perbedaan antara Cakupan Konsolidasi sesuai standar akuntansi dengan ketentuan kehati-hatian
Li1 Template: Differences between Consolidated Coverage in accordance with prudential accounting standards
Nilai tercatat
Nilai tercatat sebagaimana
berdasarkan prinsip
tercantum dalam publikasi
kehati-hatian
laporan keuangan Carrying values under
Carrying value as reported in the
the prudential
published financial statements
principle
Indonesia
Aset
Assets
Kas dan Penempatan pada Bank Indonesia 736,774 736,774
Cash and Placements with Bank Indonesia
Penempatan pada bank lain 2,205,886 2,205,886
Placements with other banks
Portofolio aset yang diperdagangkan - -
Traded assets portfolio
Aset keuangan yang ditetapkan pada nilai wajar - 0
Financial assets designated at fair value
Instrumen derivatif - 0
Derivative instruments
Pinjaman kepada Bank - 0
Loans to Banks
Pinjaman kepada nasabah 7,478,035 7,478,035
Loans to customers
Reverse repurchase dan yang terkait secured lending - 0
Reverse repurchase and related secured lending
Instrumen keuangan yang diukur pada nilai wajar melalui penghasilan 2,547,384 2,547,384
komprehensif lainnya
Financial instruments measured at fair value through other
comprehensive income
Surat berharga yang dijual dengan janji dibeli kembali 299,886 299,886
Securities sold with a promise to repurchase
Tagihan akseptasi - -
Acceptance receivables
Penyertaan - -
Investment
Cadangan kerugian penurunan nilai (104,540) (104,540)
Allowance for impairment losses
Aset tetap dan inventaris 324,421 324,421
Fixed assets and Inventory
Aset lain-lain 206,693 206,693
Other assets
Total aset 13,694,539 13,694,539
Total Assets
194 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 197
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Nilai tercatat masing-masing risiko
The recorded value of each risk
Tidak mengacu
pada persyaratan
Sesuai kerangka
Sesuai kerangka Sesuai kerangka Sesuai kerangka permodalan atau
counterparty credit
risiko kredit sekuritisasi risiko pasar berdasarkan
In accordance with the risk In accordance with the In accordance with the
In accordance with the pengurangan modal
credit risk framework securitization market risk Does not refer to capital
counterparty credit risk
requirements or based on
capital reduction
736,774 -
2,205,886 -
- -
- - -
- - -
- -
7,478,035 -
- -
2,547,384 -
299,886 -
- -
- -
- 104,540 -
324,421 -
206,693 -
13,694,539 - - - -
2024 Annual Report & Sustainability Report
195
Page 198
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Nilai tercatat
Nilai tercatat sebagaimana
berdasarkan prinsip
tercantum dalam publikasi
kehati-hatian
laporan keuangan Carrying values under
Carrying value as reported in the
the prudential
published financial statements
principle
Kewajiban
Liabilities
Pinjaman yang diterima dari Bank 5,224 5,224.00
Loans received from Bank
Kewajiban dari Bank lainnya - 0
Liabilities from other Banks
Rekening Nasabah 6,095,118 6,095,118
Customer Account
Repurchase agreements dan yang terkait 286,522 286,522
Repurchase agreements and related secured borrowing
Instrumen derivatif - 0
Derivative instruments
Utang akseptasi - 0
Acceptance payable
Obligasi subordinasi - 0
Subordinate bonds
Setoran jaminan - 0
Security deposit
Liabilitas pajak tangguhan - bersih - 0
Deferred tax liabilities - net
Liabilitas lain-lain 324,345 324,345
Other liabilities
Total liabilitas 6,711,209 6,711,209
Total liabilities
196 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 199
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Nilai tercatat masing-masing risiko
The recorded value of each risk
Tidak mengacu
pada persyaratan
Sesuai kerangka
Sesuai kerangka Sesuai kerangka Sesuai kerangka permodalan atau
counterparty credit
risiko kredit sekuritisasi risiko pasar berdasarkan
In accordance with the risk In accordance with the In accordance with the
In accordance with the pengurangan modal
credit risk framework securitization market risk Does not refer to capital
counterparty credit risk
requirements or based on
capital reduction
- - - - -
Analisis Kualitatif
Qualitative Analysis
Nilai tercatat sebagaimana tercantum dalam publikasi laporan keuangan mayoritas terdiri dari nilai tercatat yang sesuai dengan kerangka
risiko kredit. Nilai tercatat masing-masing risiko sesuai dengan SEOJK / POJK yang berlaku
The recorded value as stated in the publication of the financial statements is mostly comprised of the recorded value in accordance with the
credit risk framework. The recorded value of each risk is in accordance with the applicable SEOJK / POJK
2024 Annual Report & Sustainability Report
197
Page 200
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Template LI2: Sumber perbedaan utama antara eksposur sesuai ketentuan kehati-hatian dengan carrying values sesuai
standar akuntansi keuangan
Li2 Template: Sources of major differences between prudential exposures and carrying values in accordance with financial accounting standards
Item sesuai:
Suitable items:
Kerangka
Total Kerangka Kerangka Counterparty Kerangka
risiko kredit Sekuritas credit risk risiko pasar
Credit risk Securitization Counterparty Market risk
framework framework credit risk framework
framework
Indonesia
Nilai tercatat aset sesuai dengan cakupan konsolidasi 13,694,539 13,694,539 - - -
ketentuan kehati-hatian (sebagaimana dilaporkan pada
emplate LI1)
The carrying value of the asset is in accordance with
the consolidated scope of prudential provisions (as
reported in template LI1)
Nilai tercatat liabilitas sesuai lingkup sesuai dengan 6,711,209 - -
cakupan konsolidasi ketentuan kehati-hatian
(sebagaimana dilaporkan padatemplate LI1)
Liabilities carrying value in accordance toconsolidated
coverage by the prudentialprinciples (as reported to
template LI1)
Total nilai bersih sesuai dengan cakupan konsolidasi 6,983,330 13,694,539 - - -
ketentuan kehati-hatian
Total net value in accordance toconsolidated coverage
by the prudentialprinciples
Nilai rekening administratif - - -
Administrative account value
Perbedaan valuasi - - - - -
Valuation differences
Perbedaan antara etting rules, selain dari yang 0 0 - - -
termasuk pada baris 2.
Differences between etting rules, other than those
included in line 2.
Perbedaan provisi - 0 - - -
Provision differences
Perbedaan prudential filters - - - - -
Prudential filters differences
Nilai eksposur yang dipertimbangkan, sesuai dengan 6,983,330 13,694,539 - - -
cakupan konsolidasi ketentuan kehati-hatian
The exposure value considered accordingto the
prudential stipulation consolidatedcoverage
Analisis Kualitatif
Qualitative Analysis
Nilai tercatat sebagaimana tercantum dalam publikasi laporan keuangan mayoritas terdiri dari nilai tercatat yang sesuai dengan kerangka
risiko kredit. Nilai tercatat masing-masing risiko sesuai dengan SEOJK / POJK yang berlaku
The recorded value as stated in the publication of the financial statements is mostly comprised of the recorded value in accordance with the
credit risk framework. The recorded value of each risk is in accordance with the applicable SEOJK / POJK
198 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 201
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Table LIA: Penjelasan mengenai perbedaan antara nilai eksposur sesuai standar akuntansi keuangan
dengan ketentuan kehati-hatian
LIA Table: Explanation of differences between prudential accounting exposures and carrying values
Indonesia
Bank harus menjelaskan asal perbedaan antara nilai tercatat sesuai standar akuntansi keuangan, sebagaimana dilaporkan pada laporan
keuangan dan nilai eksposur sesuai ketentuan kehati-hatian, sebagaimana terdapat pada template LI1 dan LI2.
Banks must explain the origin of the difference between the carrying value according to financial accounting standards, as reported in the
financial statements and the exposure value according to prudential provisions, as contained in templates LI1 and LI2.
(a) Bank harus menjelaskan sumber perbedaan signifikan antara nilai pada kolom (a) dan (b) di LI1.
The bank must explain the source of significant differences between the values in columns (a) and (b) in LI1.
(b) Bank harus menjelaskan sumber perbedaan antara nilai tercatat dan nilai yang digunakan untuk tujuan pengaturan yang tercantum
pada LI2.
The bank must explain the source of the difference between the recorded value and the value used for regulatory purposes as stated
in LI2.
(c) Sesuai dengan implementasi dari panduan pada valuasi prudensial, bank harus menjelaskan sistem dan kontrol untuk memastikan
estimasi valuasi prudensial dan dapat diandalkan. Pengungkapan harus memasukkan:
In accordance with the implementation of the guidelines on prudential valuation, banks should describe systems and controls to
ensure prudential and reliable valuation estimates. Disclosures must include:
(i) Metodologi valuasi, termasuk penjelasan sejauh mana penggunaan metodologi mark-to-market dan mark-to-model.
Valuation methodology, including an explanation of the extent of use of mark-to-market and mark-to-model methodologies.
(ii) Deskripsi proses verifikasi harga independen.
Description of the independent price verification process.
(iii) Prosedur untuk penyesuaian valuasi atau cadangan (termasuk deskripsi proses dan metodologi untuk menilai posisi trading
dengan tipe instrumen).
Procedures for valuation adjustments or reserves (including a description of the process and methodology for valuing trading
positions by instrument type).
Tabel Penjelasan mengenai perbedaan antara nilai eksposur sesuai standar akuntansi keuangan
dengan ketentuan kehati-hatian
Explanation Table: Differences between prudential accounting exposures and carrying values
Nilai tercatat sebagaimana tercantum dalam publikasi laporan keuangan telah memperhitungkan prinsip standar kehati-hatian sehingga
tidak terdapat perbedaan pada kedua nilai tesebut. Nilai tercatat sesuai masing-masing risiko merupakan nilai yang sesuai dengan POJK
Perhitungan Kerangka Risiko Kredit, Perhitungan Kerangka Aset Sekuritisasi, Kerangka Counterparty Credit Risk, dan Kerangka Risiko Pasar.
The recorded value as stated in the publication of the financial statements has taken into account the principle of prudential standards so that
there is no difference in the two values. The recorded value according to each risk is a value that is in accordance with POJK Calculation of
Credit Risk Framework, Calculation of Securitization Asset Framework, Counterparty Credit Risk Framework, and Market Risk Framework.
2024 Annual Report & Sustainability Report
199
Page 202
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Template CC1: Komposisi Permodalan
CC1 Template: Capital Composition
No. Ref.
Jumlah yang berasal
(Dalam Jutaan dari Neraca
Komponen (Bahasa Indonesia) Component (Bahasa Inggris) Rupiah) Konsolidasi 1)
No. Ref.
Total (In Millions
originating from
of Rupiah)
the Consolidated
Balance Sheet 1)
CET 1: Instrumen dan Tambahan Modal CET 1: Instruments and Additional Paid-in
Disetor Capital
1 Saham biasa (termasuk stock surplus) Directly issued qualifying common 6,041,759 1
share (and equivalent for non-joint stock
companies) capital plus related stock
surplus
2 Laba ditahan Retained earnings 1,236,014 2
3 Akumulasi penghasilan komprehensif lain Accumulated other comprehensive income - 8,335 3
(dan cadangan lain) (and other reserves)
4 Modal yang termasuk phase out dari CET1 Directly issued capital subject to phase out N/A N/A
from CET1 (only applicable to non-joint
stock companies)
5 Kepentingan Non Pengendali yang dapat Common share capital issued by - 4
diperhitungkan subsidiaries and held by third parties
(amount allowed in group CET1)
6 CET1 sebelum regulatory adjustment Common Equity Tier 1 capital before 7,269,438
regulatory adjustments
CET 1: Faktor Pengurang (Regulatory CET 1: Regulatory Adjustment
Adjustment)
7 Selisih kurang jumlah penyesuaian nilai Prudential valuation adjustments -
wajar dari instrumen keuangan dalam
trading book
8 Goodwill Goodwill (net of related tax liability) - 5
9 Aset tidak berwujud lainnya (selain Other intangibles other than mortgage- (51,882)
Mortgage-Servicing Rights) servicing rights (net of related tax liability)
10 Aset pajak tangguhan yang berasal dari Deferred tax assets that rely on future N/A
future profitability profitability excluding those arising from
temporary differences (net of related tax
liability)
11 Cash-flow hedge reserve Cash-flow hedge reserve N/A
12 Shortfall on provisions to expected losses Shortfall of provisions to expected losses N/A
13 Keuntungan penjualan aset dalam transaksi Securitisation gain on sale (as set out in N/A
sekuritisasi paragraph 562 of Basel II framework)
14 Peningkatan/ penurunan nilai wajar atas Gains and losses due to changes in own N/A
kewajiban keuangan (DVA) credit risk on fair valued liabilities
15 Aset pensiun manfaat pasti Defined-benefit pension fund net assets N/A
16 Investasi pada saham sendiri (jika belum Investments in own shares (if not already N/A
di net dalam modal di Laporan Posisi netted off paid-in capital on reported
Keuangan) balance sheet)
17 Kepemilikan silang pada instrumen CET 1 Reciprocal cross-holdings in common N/A
pada entitas lain equity
200 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 203
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
No. Ref.
Jumlah yang berasal
(Dalam Jutaan dari Neraca
Komponen (Bahasa Indonesia) Component (Bahasa Inggris) Rupiah) Konsolidasi 1)
No. Ref.
Total (In Millions
originating from
of Rupiah)
the Consolidated
Balance Sheet 1)
18 Investasi pada modal bank, entitas Investments in the capital of Banking, N/A
keuangan dan asuransi diluar cakupan financial and insurance entities that
konsolidasi secara ketentuan, net posisi are outside the scope of regulatory
short yang diperkenankan, dimana Bank consolidation, net of eligible short positions,
tidak memiliki lebih dari 10% modal saham where the Bank does not own more than
yang diterbitkan (jumlah di atas batasan 10% of the issued share capital (amount
10%) above 10% threshold)
19 Investasi signifikan pada saham biasa Significant investments in the common N/A
Bank, entitas keuangan dan asuransi diluar stock of Banking, financial and insurance
cakupan konsolidasi secara ketentuan, net entities that are outside the scope of
posisi short yang diperkenankan (jumlah di regulatory consolidation, net of eligible
atas batasan 10%) short positions (amount above 10%
threshold)
20 Mortgage servicing rights Mortgage servicing rights (amount above N/A
10% threshold)
21 Aset pajak tangguhan yang berasal dari Deferred tax assets arising from temporary N/A
perbedaan temporer (jumlah di atas differences (amount above 10% threshold,
batasan 10%, net dari kewajiban pajak) net of related tax liability)
22 Jumlah melebihi batasan 15% dari: Amount exceeding the 15% threshold N/A
23 investasi signifikan pada saham biasa of which: significant investments in the N/A
financials common stock of financials
24 mortgage servicing rights of which: mortgage servicing rights N/A
25 pajak tangguhan dari perbedaan temporer of which: deferred tax assets arising from N/A
temporary differences
26 Penyesuaian berdasarkan ketentuan spesifik National specific regulatory adjustments N/A
nasional
26a. Selisih PPKA dan CKPN Difference between PPKA and CKPN (103,991)
26b. PPKA non produktif Non-productive PPKA -
26c. Aset Pajak Tangguhan Deferred tax assets (769) 7
26d. Penyertaan Inclusion -
26e. Kekurangan modal pada perusahaan anak Lack of capital in insurance subsidiary N/A
asuransi companies
26f. Eksposur sekuritisasi Securitization Exposure N/A
26g. Lainnya Others N/A
27 Penyesuaian pada CET 1 akibat AT 1 Regulatory adjustments applied to Common -
dan Tier 2 lebih kecil daripada faktor Equity Tier 1 due to insufficient Additional
pengurangnya Tier 1 and Tier 2 to cover deductions
28 Jumlah pengurang (regulatory adjustment) Total regulatory adjustments to Common (156,642)
terhadap CET 1 equity Tier 1
29 Jumlah CET 1 setelah faktor pengurang Common Equity Tier 1 capital (CET1) 7,112,796
Modal Inti Tambahan (AT 1): Instrumen Additional Tier 1 capital: instruments
2024 Annual Report & Sustainability Report
201
Page 204
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
No. Ref.
Jumlah yang berasal
(Dalam Jutaan dari Neraca
Komponen (Bahasa Indonesia) Component (Bahasa Inggris) Rupiah) Konsolidasi 1)
No. Ref.
Total (In Millions
originating from
of Rupiah)
the Consolidated
Balance Sheet 1)
30 Instrumen AT 1 yang diterbitkan oleh Bank Directly issued qualifying Additional Tier 1 -
(termasuk stock surplus) instruments plus related stock surplus
31 Yang diklasifikasikan sebagai ekuitas of which: classified as equity under N/A
berdasarkan standar akuntansi applicable accounting standards
32 Yang diklasifikasikan sebagai liabilitas of which: classified as liabilities under N/A
berdasarkan standar akuntansi applicable accounting standards
33 Modal yang yang termasuk phase out dari Directly issued capital instruments subject N/A
AT 1 to phase out from Additional Tier 1
34 Instrumen AT 1 yang diterbitkan oleh Entitas Additional Tier 1 instruments (and CET1 N/A
Anak yang diakui dalam perhitungan KPMM instruments not included in row 5) issued
secara konsolidasi by subsidiaries and held by third parties
(amount allowed in group AT1)
35 Instrumen yang diterbitkan Entitas Anak of which: instruments issued by subsidiaries N/A
yang termasuk phase out subject to phase out
36 Jumlah AT 1 sebelum regulatory adjustment Additional Tier 1 capital before regulatory -
adjustments
Modal Inti Tambahan: Faktor Pengurang Additional Tier 1 capital: regulatory
(Regulatory Adjustment) adjustments
37 Investasi pada instrumen AT 1 sendiri Investments in own Additional Tier 1 N/A
instruments
38 Kepemilikan silang pada instrumen AT 1 Reciprocal cross-holdings in Additional Tier N/A
pada entitas lain 1 instruments
39 Investasi pada modal bank, entitas Investments in the capital of Banking, N/A
keuangan dan asuransi diluar cakupan financial and insurance entities that
konsolidasi secara ketentuan, net posisi are outside the scope of regulatory
short yang diperkenankan, dimana Bank consolidation, net of eligible short positions,
tidak memiliki lebih dari 10% modal saham where the Bank does not own more than
yang diterbitkan (jumlah di atas batasan 10% of the issued common share capital of
10%) the entity (amount above 10% threshold)
40 Investasi signifikan pada modal Bank, Significant investments in the capital of N/A
entitas keuangan dan asuransi di luar Banking, financial and insurance entities
cakupan konsolidasi secara ketentuan (net that are outside the scope of regulatory
posisi short yang diperkenankan) consolidation (net of eligible short positions)
41 Penyesuaian berdasarkan ketentuan spesifik National specific regulatory adjustments N/A
nasional
41a. Penempatan dana pada instrumen AT 1 Placement of funds in AT 1 instruments at N/A
pada Bank lain other banks
42 Penyesuaian pada AT 1 akibat Tier 2 lebih Regulatory adjustments applied to N/A
kecil daripada faktor pengurangnya Additional Tier 1 due to insufficient Tier 2 to
cover deductions
43 Jumlah faktor pengurang (regulatory Total regulatory adjustments to Additional -
adjustment) terhadap AT 1 Tier 1 capital
44 Jumlah AT 1 setelah faktor pengurang Additional Tier 1 capital (AT1) -
45 Jumlah Modal Inti (Tier 1) (CET 1 + AT 1) Tier 1 capital (T1 = CET 1 + AT 1) 7,112,796
Modal Pelengkap (Tier 2): Instrumen dan Tier 2 capital: instruments and provisions
cadangan
202 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 205
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
No. Ref.
Jumlah yang berasal
(Dalam Jutaan dari Neraca
Komponen (Bahasa Indonesia) Component (Bahasa Inggris) Rupiah) Konsolidasi 1)
No. Ref.
Total (In Millions
originating from
of Rupiah)
the Consolidated
Balance Sheet 1)
46 Instrumen Tier 2 yang diterbitkan oleh Bank Directly issued qualifying Tier 2 instruments -
(termasuk stock surplus) plus related stock surplus
47 Modal yang yang termasuk phase out dari Directly issued capital instruments subject N/A
Tier 2 to phase out from Tier 2
48 Instrumen Tier 2 yang diterbitkan oleh Tier 2 instruments (and CET1 and AT1 N/A
Entitas Anak yang diakui dalam perhitungan instruments not included in rows 5 or 34)
KPMM secara konsolidasi issued by subsidiaries and held by third
parties (amount allowed in group Tier 2)
49 Modal yang diterbitkan Entitas Anak yang of which: instruments issued by subsidiaries N/A
termasuk phase out subject to phase out
50 Cadangan umum PPKA atas aset produktif Provisions 75,392
yang wajib dihitung dengan jumlah paling
tinggi sebesar 1,25% dari ATMR untuk
Risiko Kredit
51 Jumlah Modal Pelengkap (Tier 2) sebelum Tier 2 capital before regulatory adjustments 75,392
faktor pengurang
Modal Pelengkap (Tier 2): Faktor Pengurang Tier 2 capital: regulatory adjustments
(Regulatory Adjustment)
52 Investasi pada instrumen Tier 2 sendiri Investments in own Tier 2 instruments N/A
53 Kepemilikan silang pada instrumen Tier 2 Reciprocal cross-holdings in Tier 2 N/A
pada entitas lain instruments and other TLAC liabilities
54 Investasi pada kewajiban TLAC modal Investments in the other TLAC liabilities of N/A
bank, entitas keuangan dan asuransi diluar banking, financial and insurance entities
cakupan konsolidasi secara ketentuan, net that are outside the scope of regulatory
posisi short yang diperkenankan, dimana consolidation and where the bank does
Bank tidak memiliki lebih dari 10% modal not own more than 10% of the issued
saham yang diterbitkan; nilai sebelumnya common share capital of the entity: amount
ditetapkan dengan threshold 5% namun previously designated for the 5% threshold
tidak lagi memenuhi kriteria (untuk bank but that no longer meets the conditions (for
Sistemik) G-SIBs only)
Investasi pada kewajiban TLAC lainnya dari
entitas perbankan, keuangan, dan asuransi
yang berada di luar lingkup konsolidasi
peraturan dan, yang mana bank tidak
memiliki lebih dari 10% dari saham biasa
entitas yang dikeluarkan: jumlah yang
sebelumnya ditunjuk untuk batas 5% tetapi
yang tidak lagi memenuhi syarat (hanya
untuk Bank Sistemik)
55 Investasi signifikan pada modal atau Significant investments in the capital and N/A
instrumen TLAC Bank, entitas keuangan other TLAC liabilities of banking, financial
dan asuransi di luar cakupan konsolidasi and insurance entities that are outside the
secara ketentuan (net posisi short yang scope of regulatory consolidation (net of
diperkenankan) eligible short positions)
56 Penyesuaian berdasarkan ketentuan spesifik National specific regulatory adjustments
nasional
56a. Sinking fund Sinking fund N/A
56b. Penempatan dana pada instrumen Tier 2 Placement of funds in Tier 2 instruments at N/A
pada Bank lain other banks
2024 Annual Report & Sustainability Report
203
Page 206
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
No. Ref.
Jumlah yang berasal
(Dalam Jutaan dari Neraca
Komponen (Bahasa Indonesia) Component (Bahasa Inggris) Rupiah) Konsolidasi 1)
No. Ref.
Total (In Millions
originating from
of Rupiah)
the Consolidated
Balance Sheet 1)
57 Jumlah faktor pengurang (regulatory Total regulatory adjustments to Tier 2 -
adjustment) Modal Pelengkap capital
58 Jumlah Modal Pelengkap (Tier 2) setelah Tier 2 capital (T2) 75,392
regulatory adjustment
59 Total Modal (Modal Inti + Modal Pelengkap) Total capital 7,188,188
60 Total Aset Tertimbang Menurut Risiko Total risk weighted assets 8,704,733
(ATMR)
Rasio Kecukupan Pemenuhan Modal Capital ratios and buffers
Minimum (KPMM) dan Tambahan Modal
(Capital Buffer)
61 Rasio CET 1 (persentase terhadap ATMR) Common Equity Tier 1 (as a percentage of 81.71%
risk weighted assets)
62 Rasio Modal Inti Tier 1 (persentase terhadap Tier 1 (as a percentage of risk weighted 81.71%
ATMR) assets)
63 Rasio Total Modal (persentase terhadap Total capital (as a percentage of risk 82.58%
ATMR) weighted assets)
64 Buffer (persentase terhadap ATMR) Institution specific buffer requirement 72.68%
(minimum CET1 requirement plus capital
conservation buffer plus countercyclical
buffer requirements plus G-SIB buffer
requirement, expressed as a percentage of
risk weighted assets)
65 Capital Conservation Buffer of which: capital conservation buffer 2.50%
requirement
66 Countercyclical Buffer of which: Bank specific countercyclical 0.00%
buffer requirement
67 higher loss absorbency requirement Of which: higher loss absorbency 0.00%
requirement
68 Untuk bank umum konvensional: CET For conventional commercial banks: CET 1 72.68%
1 yang tersedia untuk memenuhi Buffer is available to fulfill the Buffer (percentage
(persentase terhadap ATMR) of RWA) For branch offices of Banks
Untuk kantor cabang dari Bank yang domiciled overseas: Portion of Business
berkedudukan di luar negeri: Bagian Dana Funds placed in CEMA (expressed as a
Usaha yang ditempatkan dalam CEMA percentage of RWA) available to fulfill the
(diungkapkan sebagai persentase dari Buffer.
ATMR) yang tersedia untuk memenuhi
Buffer.
National minima (jika berbeda dari Basel 3) (if different from Basel 3)
69 Rasio terendah CET 1 nasional (jika berbeda National Common Equity Tier 1 minimum N/A
dengan Basel 3) ratio
70 Rasio terendah Tier 1 nasional (jika berbeda National Tier 1 minimum ratio N/A
dengan Basel 3)
71 Rasio terendah total modal nasional (jika National total capital minimum ratio N/A
berbeda dengan Basel 3)
Jumlah di bawah batasan pengurangan Amounts below the thresholds for
(sebelum pembobotan risiko) deduction (before risk weighting)
204 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 207
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
No. Ref.
Jumlah yang berasal
(Dalam Jutaan dari Neraca
Komponen (Bahasa Indonesia) Component (Bahasa Inggris) Rupiah) Konsolidasi 1)
No. Ref.
Total (In Millions
originating from
of Rupiah)
the Consolidated
Balance Sheet 1)
72 Investasi non-signifikan pada modal atau Non-significant investments in the capital N/A
kewajiban TLAC lainnya pada entitas and other TLAC liabilities of other financial
keuangan lain entities
73 Investasi signifikan pada saham biasa Significant investments in the common N/A
entitas keuangan stock of financial entities
74 Mortgage servicing rights (net dari Mortgage servicing rights (net of related tax N/A
kewajiban pajak) liability)
75 Aset pajak tangguhan yang berasal dari Deferred tax assets arising from temporary N/A
perbedaan temporer (net dari kewajiban differences (net of related tax liability)
pajak)
Cap yang dikenakan untuk provisi pada Applicable caps on the inclusion of
Tier 2 provisions in Tier 2
76 Provisi yang dapat diakui sebagai Tier Provisions eligible for inclusion in Tier N/A
2 sesuai dengan eksposur berdasarkan 2 in respect of exposures subject to
pendekatan standar (sebelum dikenakan standardised approach (prior to application
cap) of cap)
77 Cap atas provisi yang diakui sebagai Tier 2 Cap on inclusion of provisions in Tier 2 N/A
berdasarkan pendekatan standar under standardised approach
78 Provisi yang dapat diakui sebagai Tier Provisions eligible for inclusion in Tier 2 N/A
2 sesuai dengan eksposur berdasarkan in respect of exposures subject to internal
pendekatan IRB (sebelum dikenakan cap) ratings-based approach (prior to application
of cap)
79 Cap atas provisi yang diakui sebagai Tier 2 Cap for inclusion of provisions in Tier 2 N/A
berdasarkan pendekatan IRB under internal ratings-based approach
Instrumen Modal yang termasuk phase out Capital instruments subject to phase-out
(hanya berlaku antara 1 Jan 2018 s.d. 1 Jan arrangements (only applicable between 1
2022) Jan 2018 and 1 Jan 2022)
80 Cap pada CET 1 yang temasuk phase out Current cap on CET1 instruments subject to N/A
phase out arrangements
81 Jumlah yang dikecualikan dari CET 1 karena Amount excluded from CET1 due to cap N/A
adanya cap (kelebihan di atas cap setelah (excess over cap after redemptions and
redemptions dan maturities) maturities)
82 Cap pada AT 1 yang temasuk phase out Current cap on AT1 instruments subject to N/A
phase out arrangements
83 Jumlah yang dikecualikan dari AT 1 karena Amount excluded from AT1 due to cap N/A
adanya cap (kelebihan di atas cap setelah (excess over cap after redemptions and
redemptions dan maturities) maturities)
84 Cap pada Tier 2 yang temasuk phase out Current cap on T2 instruments subject to N/A
phase out arrangements
85 Jumlah yang dikecualikan dari Tier 2 karena Amount excluded from T2 due to cap N/A
adanya cap (kelebihan di atas cap setelah (excess over cap after redemptions and
redemptions dan maturities) maturities)
2024 Annual Report & Sustainability Report
205
Page 208
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
REKONSILIASI PERMODALAN
CAPITAL RECONCILIATION
Neraca Publiksi
dengan
cakupan
Neraca berdasarkan
POS - POS Publikasi ketentuan
No. kehati-hatian
ITEMS Publication
Balance Sheet Publication
Balance Sheet with
coverage based
on prudential
provisions
ASET
ASSETS
1. Kas 1,955 1,955
Cash
2. Penempatan pada Bank Indonesia 734,819 734,819
Placement with Bank Indonesia
3. Penempatan pada bank lain 2,205,886 2,205,886
Placement with another bank
4. Tagihan spot dan derivatif - -
Spot and derivatives receivables
5. Surat berharga yang dimiliki 2,547,384 2,547,384
Securities
6. Surat berharga yang dijual dengan janji dibeli kembali (repo) 299,886 299,886
Securities sold under repurchase agreement(repo)
7. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali (reverse repo) 288,706 288,706
Receivables from securities purchased under resell agreement (reverse repo)
8. Tagihan akseptasi - -
Acceptance receivables
9. Kredit yang diberikan 7,478,035 7,478,035
Loans
10. Penyertaan modal - -
Equity participation
11. Penyertaan modal -
Equity participation
a. Diperhitungkan dalam KPMM - -
Calculated in CAR
b. Tidak diperhitungkan dalam KPMM - -
Not calculated in CAR
12. Aset keuangan lainnya 53,299 53,299
Other financial assets
13. Cadangan kerugian penurunan nilai aset keuangan -
Financial assets allowance for impairment losses -
a. Surat berharga - -
Securities
b. Kredit (104,484) (104,484)
Loans
c. Lainnya (56) (56)
Others
14. Aset tidak berwujud
Intangible Assets
206 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 209
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Neraca Publiksi
dengan
cakupan
Neraca berdasarkan
POS - POS Publikasi ketentuan
No. kehati-hatian
ITEMS Publication
Balance Sheet Publication
Balance Sheet with
coverage based
on prudential
provisions
a Goodwill - - 5
b. Aset tidak berwujud lainnya 98,978 98,978 6
Other Intangible Assets
Akumulasi amortisasi aset tidak berwujud - (47,096) (47,096) 6
Accumulated amortization of intangible assets -
15. Aset tetap dan inventaris 385,222 385,222
Fixed assets and inventory
Akumulasi penyusutan aset tetap dan inventaris - (112,683) (112,683)
-
Accumulated depreciation of fixed assets and inventory -
-
16. Aset non produktif
Non-productive assets
a. Properti terbengkalai - -
Abandoned property
b. Aguan yang diambil alih - -
Foreclosed assets
c. Rekening tunda - -
Deferred account
d. Aset antar kantor - -
Inter-office assets
17. Aset lainnya 153,394 152,625
Other assets
Aset pajak tangguhan 769 769 7
Deferred tax assets
TOTAL ASET 13,984,014 13,983,245
TOTAL ASSETS
LIABILITAS DAN EKUITAS
LIABILITY AND EQUITY
LIABILITAS
1. Giro 85,336 85,336
Current Accounts
2. Tabungan 693,272 693,272
Saving Accounts
3. Simpanan berjangka 5,316,510 5,316,510
Time deposits
4. Uang elektronik 7,068 7,068
Electronic money
5. Pinjaman dari Bank Indonesia - -
Loan from Bank Indonesia
6. Pinjaman dari bank lain 5,224 5,224
Loan from other banks
2024 Annual Report & Sustainability Report
207
Page 210
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Neraca Publiksi
dengan
cakupan
Neraca berdasarkan
POS - POS Publikasi ketentuan
No. kehati-hatian
ITEMS Publication
Balance Sheet Publication
Balance Sheet with
coverage based
on prudential
provisions
7. Liabilitas spot dan derivatif - -
Spot and derivative liabilities
8. Utang atas surat berharga yang dijual dengan janji dibeli kembali (repo) 286,522 286,522
Debt on securities sold with an agreement to repurchase (repo)
9. Utang akseptasi - -
Acceptance payable
10. Surat berharga yang diterbitkan - - 9
Securities issued
11. Pinjaman
pembiayaan yang diterima
Loans
financing received
a. Diperhitungkan dalam KPMM - -
Calculated in KPMM
b. Tidak diperhitungkan dalam KPMM - -
Not taken into account in KPMM
12. Setoran jaminan - -
Security deposit
13. Liabilitas antar kantor*
Interoffice liabilities*
a. Melakukan kegiatan operasional di Indonesia - -
Carrying out operational activities in Indonesia
b. Melakukan kegiatan operasional di luar Indonesia - -
Carrying out operational activities outside Indonesia
14. Liabilitas lainnya 324,345 324,345
Other Liabilities
15. Kepentingan minoritas - -
Minority interest
TOTAL LIABILITAS 6,718,277 6,718,277
TOTAL LIABILITIES
EKUITAS
EQUITY
17. Modal disetor
Paid-up capital
a. Modal dasar 4,000,000 4,000,000 1
Authorized capital
b. Modal yang belum disetor - (1,826,974) (1,826,974) 1
Unpaid capital -
c. Saham yang dibeli kembali (treasury stock) - - -
Repurchased shares (treasury stock) -
18. Tambahan modal disetor
Additional paid-in capital
a. Agio 3,824,553 3,824,553 1
208 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 211
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Neraca Publiksi
dengan
cakupan
Neraca berdasarkan
POS - POS Publikasi ketentuan
No. kehati-hatian
ITEMS Publication
Balance Sheet Publication
Balance Sheet with
coverage based
on prudential
provisions
b. Disagio - - -
c. Modal sumbangan - -
Donated capital
d. Dana setoran modal - -
Capital deposit funds
e. Lainnya 44,180 44,180 1
Others
19. Penghasilan komprehensif lainnya
Other comprehensive income
a. Penyesuaian akibat penjabaran laporan keuangan dalam mata uang asing - -
b. Profits (loss) from changes in the value of available-for-sale financial assets (10,395) (10,395) 3
at fair value through other comprehensive income
c. Bagian efektif lindung nilai arus kas - -
The effective portion of the cash flow hedge
d. Keuntungan revaluasi aset tetap - -
Profit on revaluation of fixed assets
e. Bagian pendapatan komprehensif lain dari entitas asosiasi - -
Other comprehensive income section of associates
f. Keuntungan (kerugian) aktuarial program imbalan pasti (3,701) (3,701)
Actuarial profit (losses) of defined benefit plans
g. Pajak penghasilan terkait dengan laba komprehensif lain - -
Income tax is related to other comprehensive income
h. Lainnya - -
Others
20. Selisih kuasi reorganisasi - -
The difference in quasi-reorganization
21. Selisih restrukturisasi entitas sepengendali - -
Differences in restructuring of entities under common control
22. Ekuitas lainnya - -
Other equity
23. Cadangan
Reserve
a. Cadangan umum 2,060 2,060 3
General reserve
b. Cadangan tujuan - -
Goal reserve
24. Laba/rugi
Profit/loss
a. Tahun-tahun lalu 768,908 768,908 2
Preceeding Years
b. Tahun berjalan 467,106 467,106 2
Current year
2024 Annual Report & Sustainability Report
209
Page 212
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Neraca Publiksi
dengan
cakupan
Neraca berdasarkan
POS - POS Publikasi ketentuan
No. kehati-hatian
ITEMS Publication
Balance Sheet Publication
Balance Sheet with
coverage based
on prudential
provisions
c. Dividen yang dibayarkan - - -
Dividends paid -
TOTAL EKUITAS YANG DAPAT DIATRIBUSIKAN
TOTAL ATTRIBUTABLE EQUITY
KEPADA PEMILIK 7,265,737 7,265,737
TO OWNERS
25. Kepentingan non pengendali 4
Non-controlling interest
TOTAL EKUITAS 7,265,737 7,265,737
TOTAL EQUITY
TOTAL LIABILITAS DAN EKUITAS 13,984,014 13,984,014
TOTAL LIABILITIES AND EQUITY
Analisis Kualitatif
Qualitative Analysis
Permodalan Bank dihitung mengikuti ketentuan POJK No.11/POJK.03/2016 tanggal 29 Januari 2016 tentang Kewajiban Penyediaan Modal
Minimum Bank Umum dan memastikan bahwa Bank memiliki struktur permodalan yang sehat dan sesuai dengan profil risiko, target bisnis
dan ketentuan permodalan dari Regulator.
The Bank's capital is calculated following the provisions of POJK No.11/POJK.03/2016 dated January 29, 2016 regarding the Minimum
Capital Adequacy of Commercial Banks and ensures that the Bank has a sound capital structure and is in accordance with the risk profile,
business targets and capital requirements of the Regulator.
210 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 213
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Table CCA: Fitur Utama Permodalan Bank
CCA Table: Key Features of Bank Capital
Informasi Kuantitatif/
Indonesia Kualitatif
Quantitative/Qualitative
Information
1 Penerbit PT Allo Bank Indonesia Tbk
Issuer
2 Nomor identifikasi N/A
Identification number
3 Hukum yang digunakan Hukum Indonesia
Law used
3a Sarana yang memungkinkan kewajiban pelaksanaan pada Bagian 13 dari Lembar Istilah TLAC N/A
tercapai (untuk instrumen TLAC sah lainnya yang diatur oleh hukum asing)
Means of enabling the performance obligations under Section 13 of the TLAC Glossary to be
achieved (for other valid TLAC instruments governed by foreign law)
Perlakuan Instrumen berdasarkan ketentuan KPMM
Instrument treatment under CAR Provisions
4 Pada saat masa transisi N/A
At the time of transition
5 setelah masa transisi T2
After transition
6 Apakah instrumen eligible untuk Individu/Konsolidasi atau Konsolidasi dan Individu Group, solo
Is the instrument eligible for Individual/Consolidation or Consolidation and Individual
7 Jenis Instrumen Surat Berharga Subordinasi/
Types of Instruments Subordinated Securities
8 Jumlah yang diakui dalam perhitungan KPMM -
Recognized value in CAR calculation
9 Nilai par dari instrumen 50,000
The par value of instrument
10 Klasifikasi sesuai standar akuntansi keuangan Liabilitas - Amortised Cost
Classification according to financial accounting standards
11 Tanggal penerbitan 28/05/2020
Issuance date
12 Tidak ada jatuh tempo (perpetual) atau dengan jatuh tempo Dengan Jatuh Tempo/With
Perpetual or with maturity date Due Date
13 Tanggal jatuh tempo 28/05/2025
Maturity date
14 Eksekusi call option atas persetujuan Otoritas Jasa Keuangan Tidak/No
Call option execution with the Financial Services Authority approval
15 Tanggal call option, jumlah penarikan dan persyaratan call option lainnya (bila ada) N/A
Call option date, withdrawal amount and other call option requirements (if any)
16 Subsequent call option N/A
Kupon/dividen
Coupons/dividends
17 Dividen/kupon dengan bunga tetap atau floating Fixed
Dividends/coupons with fixed or floating interest
18 Tingkat dari coupon rate atau index lain yang menjadi acuan 9.00%
The level of the coupon rate or other index that is used as a reference
19 Ada atau tidaknya dividend stopper Tidak/No
Whether or not there is a dividend stopper
2024 Annual Report & Sustainability Report
211
Page 214
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Informasi Kuantitatif/
Indonesia Kualitatif
Quantitative/Qualitative
Information
20 Fully discretionary; partial atau mandatory Mandatory
Fully discretionary; partial or mandatory
21 Apakah terdapat fitur step up atau insentif lain Tidak/No
Is there a step up feature or other incentives?
22 Non-kumulatif atau kumulatif Noncumulative
Non-cumulative or cumulative
23 Dapat dikonversi atau tidak dapat dikonversi Non-convertible
Convertible or non-convertible
24 Jika dapat dikonversi, sebutkan trigger point-nya N/A
If convertible, state the trigger point
25 Jika dapat dikonversi, apakah seluruh atau sebagian N/A
If it is convertible, whether in whole or in part
26 Jika dapat dikonversi, bagaimana rate konversinya N/A
If convertible, what is the conversion rate
27 Jika dapat dikonversi; apakah mandatory atau optional N/A
If convertible; is it mandatory or optional
28 Jika dapat dikonversi, sebutkan jenis instrumen konversinya N/A
If convertible, state the type of conversion instrument
29 Jika dapat dikonversi, sebutkan issuer of instrument it converts into N/A
If convertible, state issuer of instrument it converts into
30 Fitur write-down Ya
Write-down feature
31 Jika terjadi write-down, sebutkan trigger-nya Mengikuti ketentuan OJK/
If write-down occurs, name the trigger Complying with OJK
32 Jika terjadi write-down, apakah penuh atau sebagian Mengikuti ketentuan OJK/
If write-down occurs, is it whole or partly Complying with OJK
33 Jika terjadi write down; permanen atau temporer Mengikuti ketentuan OJK/
If write-down occurs, is it permanent or temporary Complying with OJK
34 Jika terjadi write down temporer, jelaskan mekanisme write-up N/A
If a temporary write down occurs, explain the write-up mechanism
34a Tipe subordinasi Junior bonds
Types of subordinates
35 Hierarki instrumen pada saat likuidasi N/A
Instruments Hierarchy at the time of liquidation
36 Apakah terdapat fitur yang non-compliant Tidak/No
Are there any non-compliant features
37 Jika Ya, jelaskan fitur yang non-compliant N/A
If Yes, explain the non-compliant features
Analisis Kualitatif/Qualitative Analysis
Instrumen modal yang diterbitkan oleh Bank adalah Obligasi subordinasi dengan nama Obligasi Subordinasi I PT Bank Mega Tbk Tahun
2020. Obligasi subordinasi Bank diterbitkan untuk memenuhi ketentuan POJK no.14/POJK.03/2017 tanggal 4 April 2017 tentang Rencana
Aksi (Recovery Plan) bagi Bank Sistemik.
The capital instrument issued by the Bank is subordinated bond with the name of Subordinated Bond I PT Bank Mega Tbk Year 2020. The
Bank's subordinated bonds were issued to fulfill the provisions of POJK no.14/POJK.03/2017 dated April 4, 2017 regarding Recovery Plan for
Systemic Banks.
212 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 215
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tabel Pengungkapan Struktur Permodalan
Capital Structure Disclosure Table
Tuesday, Sunday,
KOMPONEN MODAL December December
CAPITAL COMPONENT'
31, 2024 31, 2023
I Modal Inti (Tier 1) 7,112,796 6,811,607
Core Capital (Tier 1)
1 Modal Inti Utama 7,112,796 6,811,607
Common Equity Tier 1 (CET 1)
1.1 Modal disetor (Setelah dikurangi Treasury Stock) 2,173,026 2,173,026
Paid Up Capital (after reduced by Treasury Stock)
1.2 Cadangan Tambahan Modal 4,992,421 4,688,523
Additional Capital Allowance
1.2.1 Faktor Penambah
Additional Factor
1.2.1.1 Pendapatan komprehensif lainnya
Other comprehensive income
1.2.1.1.1 Selisih lebih penjabaran laporan keuangan - -
Differences in the translation of financial statements
1.2.1.1.2 Potensi keuntungan dari peningkatan nilai wajar aset - 76,115
keuangan dalam kelompok tersedia untuk dijual
Potential gain from an increase in the fair value of financial
assets in the available-for-sale group
1.2.1.1.3 Saldo surplus revaluasi aset tetap - -
Fixed assets revaluation surplus balance
1.2.1.2 Cadangan tambahan modal lainnya
Other disclosed reserves
1.2.1.2.1 Agio 3,824,553 3,824,553
1.2.1.2.2 Cadangan umum 2,060 2,054
General reserve
1.2.1.2.3 Laba tahun-tahun lalu 768,908 324,348
Previours year profits
1.2.1.2.4 Laba tahun berjalan 467,106 444,566
Profit for the year
1.2.1.2.5 Dana setoran modal - -
Capital Deposits
1.2.1.2.6 Lainnya 44,180 44,180
Others
2024 Annual Report & Sustainability Report
213
Page 216
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Tuesday, Sunday,
KOMPONEN MODAL December December
CAPITAL COMPONENT'
31, 2024 31, 2023
1.2.2 Faktor Pengurang
Deduction Factor
1.2.2.1 Pendapatan komprehensif lainnya
Other comprehensive income
1.2.2.1.1 Selisih kurang penjabaran laporan keuangan - -
Differences in the translation of financial statements
1.2.2.1.2 Potensi kerugian dari penurunan nilai wajar aset keuangan (10,395) -
dalam kelompok tersedia untuk dijual
Potential loss from decrease in fair value of available-for-sale
financial assets
1.2.2.2 Cadangan tambahan modal lainnya
Other disclosed reserves
1.2.2.2.1 Disagio - -
1.2.2.2.2 Rugi tahun-tahun lalu - -
Previous year loss
1.2.2.2.3 Rugi tahun berjalan - -
Loss for the year
1.2.2.2.4 Selisih kurang antara Penyisihan Penghapusan Aset (PPA) dan (103,991) (27,293)
Cadangan Kerugian Penurunan Nilai (CKPN) atas aset produktif
Less difference between Allowance for Asset Losses (PPA) and
Allowance for Impairment Losses (CKPN) on earning assets
1.2.2.2.5 Selisih kurang jumlah penyesuaian nilai wajar dari instrumen - -
keuangan dalam trading book
The difference between the amount of fair value adjustment
of financial instruments in the trading book
1.2.2.2.6 PPA aset non produktif yang wajib dibentuk - -
PPA for non-productive assets that must be formed
1.2.2.2.7 Lainnya - -
Others
1.3 Kepentingan Non Pengendali yang dapat diperhitungkan
Considerable non-controlling interest
1.4 Faktor Pengurang Modal Inti Utama (52,651) (49,942)
Main Core Capital Deduction Factor
1.4.1 Perhitungan pajak tangguhan (769) -
Deferred tax calculation
1.4.2 Goodwill - -
1.4.3 Seluruh Aset tidak berwujud lainnya (51,882) (49,942)
All other intangible assets
1.4.4 Penyertaan yang diperhitungkan sebagai faktor pengurang - -
The inclusion considered as a deduction factor
1.4.5 Kekurangan modal pada perusahaan anak asuransi - -
Lack of capital in the insurance subsidiary company
1.4.6 Eksposur sekuritisasi - -
Securitization Exposure
214 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 217
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tuesday, Sunday,
KOMPONEN MODAL December December
CAPITAL COMPONENT'
31, 2024 31, 2023
1.4.7 Faktor pengurang modal inti utama lainnya - -
Other major core capital deduction factors
1.4.7.1 Penempatan dana pada instrumen AT1 dan/atau Tier 2 pada bank lain - -
Placement of funds in AT1 and/or Tier 2 instruments at other banks
1.4.7.2 Kepemilikan silang pada entitas lain yang diperoleh berdasarkan - -
peralihan karena hukum, hibah, atau hibah wasiat
Cross-ownership in another entity acquired based on a transfer by law,
gift, or testamentary grant
2 Modal Inti Tambahan - -
Additional Tier 1 (AT 1)
2.1 Instrumen yang memenuhi persyaratan AT 1 - -
Instruments that meet AT 1 requirements
2.2 Agio - -
Disagio
2.3 Faktor Pengurang: Modal Inti Tambahan *) - -
Deducting Factor: Additional Core Capital *)
2.3.1 Penempatan dana pada instrumen AT1 dan/atau Tier 2 pada bank lain - -
Placement of funds in AT1 and/or Tier 2 instruments at other banks
2.3.2 Kepemilikan silang pada entitas lain yang diperoleh berdasarkan - -
peralihan karena hukum, hibah, atau hibah wasiat
Cross-ownership in another entity acquired based on a transfer by law,
gift, or testamentary grant
II Modal Pelengkap (Tier 2) 75,392 87,725
Supplementary Capital (Tier 2)
1 Instrumen modal dalam bentuk saham atau lainnya yang memenuhi persyaratan Tier 2 - -
Capital instruments in the form of shares or other that meet Tier 2 requirements
2 Agio - -
disagio
3 Cadangan umum PPA atas aset produktif yang wajib dibentuk (paling tinggi 1,25% ATMR Risiko 75,392 87,725
Kredit)
PPA general reserve for productive assets that must be established (maximum 1.25% Credit Risk
RWA)
4 Faktor Pengurang Modal Pelengkap - -
Supplementary Capital Reduction Factors
4 Sinking Fund - -
4 Penempatan dana pada instrumen AT1 dan/atau Tier 2 pada bank lain - -
Placement of funds in AT1 and/or Tier 2 instruments at other banks
4 Kepemilikan silang pada entitas lain yang diperoleh berdasarkan peralihan karena hukum, - -
hibah, atau hibah wasiat
Cross-ownership in another entity acquired based on a transfer by law, gift, or
testamentary grant
TOTAL MODAL 7,188,188 6,899,332
TOTAL CAPITAL
2024 Annual Report & Sustainability Report
215
Page 218
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
31 Sunday, Tuesday, Sunday,
KETERANGAN KETERANGAN
Desember December December December
DESCRIPTION DESCRIPTION
2024 31, 2023 31, 2024 31, 2023
ASET TERTIMBANG MENURUT RISIKO RASIO KPMM
ASSET CONSIDERED RISK CAR RATIO
ATMR RISIKO KREDIT 8,256,451 7,963,833 Rasio CET 1 (%) 81.71% 82.29%
RWA CREDIT RISK CET 1 Ratio
ATMR RISIKO PASAR - - Rasio Tier 1 (%) 81.71% 82.29%
RWA MARKET RISK Tier 1 Ratio
ATMR RISIKO OPERASIONAL 448,282 313,432 Rasio Tier 2 (%) 0.87% 1.06%
RWA OPERATIONAL RISK Tier 2 Ratio
TOTAL ATMR 8,704,733 8,277,265 Rasio KPMM (%) 82.58% 83.35%
TOTAL RWA CAR Ratio (%)
RASIO KPMM SESUAI PROFIL RISIKO 9.90% 9.90% CET 1 UNTUK BUFFER (%) 72.68% 73.45%
(%) CET 1 FOR BUFFER
CAR Ratio Based on Risk Profile (%)
ALOKASI PEMENUHAN KPMM SESUAI PERSENTASE BUFFER YANG WAJIB 2.500% 2.500%
PROFIL RISIKO DIPENUHI OLEH BANK (%)
ALLOCATION OF COMPLIANCE CAR PERCENTAGE OF BUFFER REQUIRED
ACCORDING TO RISK PROFILE TO BE FULFILLED BY THE BANK (%)
Dari CET 1 (%) 9.03% 8.84% Capital Conservation Buffer (%) 2.500% 2.500%
From CET 1 (%)
Dari AT 1 (%) 0.00% 0.00% Countercyclical Buffer (%) 0.000% 0.000%
From AT 1 (%)
Dari Tier 2 (%) 0.87% 1.06% Capital Surcharge untuk Bank 0.000% 0.000%
From Tier 2 (%) Sistemik (%)
Pengungkapan Kualitatif mengenai Struktur Permodalan dan Kecukupan Permodalan
Qualitative Disclosures on Capital Structure and Capital Adequacy
Sebagai bagian dari entitas perbankan di Indonesia, Bank selalu berupaya untuk memenuhi ketentuan yang berlaku dari regulator. Pada
31 Desember 2023 dan 2022, modal Bank dihitung mengikuti ketentuan POJK No.11/POJK.03/2016 tanggal 29 Januari 2016 tentang
Kewajiban Penyediaan Modal Minimum Bank Umum.
As part of the banking entity in Indonesia, the Bank always strives to comply with the applicable provisions of the regulator. As of December
31, 2023 and 2022, the Bank's capital is calculated following the provisions of POJK No.11/POJK.03/2016 dated January 29, 2016
concerning the Minimum Capital Provision Obligation of Commercial Banks.
216 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 219
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Risiko Kredit
Credit Risk
CRA : Pengungkapan Informasi mengenai Kualitatif Terkait Risiko Kredit Secara Umum
CRA: Disclosure of Qualitative Information Relating to General Credit Risk
2024 Annual Report & Sustainability Report
217
Page 220
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Risiko Kredit
Credit Risk
Pengungkapan Kualitas Kredit atas Aset (CR1) - Bank Secara Individu
Credit Quality Disclosure of Assets (CR1) - Individual Banks
Nilai Tercatat Bruto
Gross Carrying Amount
Tagihan yang Tagihan yang CKPN
Telah Jatuh Belum Jatuh
Tempo Tempo
Past Due Claims Undue Claims
a b c
1 Kredit 60,904 7,417,130 104,484
Loans
2 Surat Berharga - 2,547,384 -
Securities
3 Surat Berharga/Piutang Subordinasi - - -
Securities/Subordinated Receivables
4 Surat Berharga yang dijual dengan janji dibeli kembali (Repo) - - -
Securities sold with an agreement to repurchase (Repo)
5 Penempatan pada Bank Indonesia - 768,973 -
Placement with Bank Indonesia
6 Penempatan pada Bank lain - 2,205,983 -
Placement with Other Banks
7 Tagihan Akseptasi - - -
Acceptance Receivables
8 Instrumen ekuitas - - -
Equity instruments
9 Instrumen modal lainnya - - -
Other capital instruments
10 Penyertaan dalam rangka program nasional - - -
Participation in the framework of national programs
11 Tagihan Bunga yang belum diterima - 27,211 -
Interest Bills that have not been received
12 Tagihan Lainnya - - -
Other bills
13 Aset Lainnya - 177,175 -
Other Assets
14 Transaksi Rekening Administratif - - -
Administrative Account Transaction
15 Total 60,904 9,964,514 104,484
218 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 221
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
(dalam jutaan rupiah/in million rupiah)
CKPN
CKPN Nilai Bersih
(Pendekatan IRB
Net Value (a+b-c)
Stage 2 dan Stage 3 IRB Approach)
Stage 1
Stage 2 and Stage 3
d e f g
60,059 44,424 7,373,551
- - 2,547,384
- - -
- - -
- - 768,973
- - 2,205,983
- - -
- - -
- - -
- - -
- - 27,211
- - -
- - 177,175
- - -
60,059 44,424 - 9,920,935
2024 Annual Report & Sustainability Report
219
Page 222
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Risiko Kredit
Credit Risk
Pengungkapan Mutasi Kredit dan Surat Berharga yang Telah Jatuh Tempo (CR2)
Disclosure of Credit Movements and Maturity Securities (CR2)
(dalam jutaan rupiah/in million rupiah)
Bank Secara Individu a
Bank as an Individual
1 Kredit dan Surat Berharga yang Telah Jatuh Tempo pada periode pelaporan terakhir -
Credit and Securities that have matured in the last reporting period
2 Kredit dan Surat Berharga yang Telah Jatuh Tempo sejak periode pelaporan terakhir -
Credit and Securities that have matured since the last reporting period
3 Kredit dan Surat Berharga yang kembali menjadi tagihan yang belum jatuh tempo 7,417,130
Credit and Securities that return to bills that have not yet matured
4 Nilai hapus buku 99,412
Write-off value
5 Perubahan lain -
Other changes
6 Kredit dan Surat Berharga yang Telah Jatuh Tempo pada akhir periode pelaporan (1+2-3-4+5) 60,904
Credit and Securities that have matured at the end of the reporting period (1+2-3-4+5)
Pengungkapan Tambahan
Additional Disclosure
Tagihan jatuh tempo seluruhnya berasal dari kredit, meningkatnya tagihan jatuh tempo diakibatkan karena adanya beberapa debitur kredit
yang cukup besar yang memiliki masa tunggakan lebih dari 90 hari atau kolektabilitas 3, 4 dan 5.
All overdue bills come from credit, the increase in overdue bills is due to the presence of several quite large credit debtors who have arrears
of more than 90 days or collectabilities of 3, 4 and 5.
CRB : Pengungkapan Tambahan terkait Kualitas Kredit atas Aset
CRB : Additional Disclosures on Credit Quality of Assets
220 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 223
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Halaman ini sengaja di kosongkan
This page intentionally left blank
2024 Annual Report & Sustainability Report
221
Page 224
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Risiko Kredit
Credit Risk
CRB : Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank Secara Individu
CRB : Disclosure of Net Receivables by Region - Individual Banks
31 Desember 2024
Kategori Portofolio Tagihan Bersih Berdasarkan Wilayah
No. Portfolio Category Net Billing Disclosure by Region
Jakarta Bandung Surabaya Semarang Medan Makassar Banjarmasin Total
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Tagihan kepada Pemerintah 3,335,925 - - - - - -
Claims on Sovereign 3,335,925
2 Tagihan kepada Entitas Sektor - - - - - - - -
Publik
Claims on Public Sector Entity
3 Tagihan kepada Bank - - - - - - - -
Pembangunan Multilateral dan
Lembaga Internasional
Claims on Multilateral
Development Banks and
International Institutions
4 Tagihan kepada Bank 2,206,350 - - - - - -
Claims on Banks 2,206,350
5 Tagihan berupa Covered Bond #REF! - - - - - - #REF!
Covered Bond Claims
6 Tagihan kepada Perusahaan #REF! - - - - - - #REF!
Efek dan Lembaga Jasa
Keuangan Lainnya
Claims to Securities
Companies and Other
Financial Services Institutions
7 Tagihan berupa Surat #REF! - - - - - - #REF!
Berharga/Piutang Subordinasi,
Ekuitas, dan Instrumen Modal
Lainnya
Claims in the form of
Securities/Subordinated
Receivables, Equity and Other
Capital Instruments
8 Kredit Beragun Properti - - - - - - - -
Rumah Tinggal
Residential Property Secured
Loans
9 Kredit Beragun Properti - - - - - - - -
Rumah Komersil
Commercial Home Property
Secured Loans
10 Kredit untuk Pengadaan - - - - - - - -
Tanah, Pengolahan Tanah, dan
Konstruksi
Land Acquisition, Land
Processing and Construction
Loans
222 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 225
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
31 Desember 2023
Tagihan Bersih Berdasarkan Wilayah
Net Billing Disclosure by Region
Jakarta Bandung Surabaya Semarang Medan Makassar Banjarmasin Total
(11) (12) (13) (14) (15) (16) (17) (18)
3,026,284 - - - - - - 3,026,284
- - - - - - - -
- - - - - - - -
1,416,915 - - - - - - 1,416,915
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
2024 Annual Report & Sustainability Report
223
Page 226
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
31 Desember 2024
Kategori Portofolio Tagihan Bersih Berdasarkan Wilayah
No. Portfolio Category Net Billing Disclosure by Region
Jakarta Bandung Surabaya Semarang Medan Makassar Banjarmasin Total
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
11 Kredit Pegawai/Pensiunan - - - - - - - -
Employee Loan/Pension
12 Tagihan Kepada Usaha Mikro, 1,210,484 - - - - - - 1,210,484
Usaha Kecil dan Portofolio
Ritel
Claims on Micro and Small
Enterprise and Retail Portfolio
13 Tagihan kepada Korporasi 6,136,935 - - - - - - 6,136,935
Claims on Corporate
14 Tagihan yang Telah Jatuh 153,194 - - - - - - 153,194
Tempo
Past Due Claims
15 Aset Lainnya 451,669 - - - - - - 451,669
Other Assets
Total #REF! - - - - - - #REF!
224 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 227
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
31 Desember 2023
Tagihan Bersih Berdasarkan Wilayah
Net Billing Disclosure by Region
Jakarta Bandung Surabaya Semarang Medan Makassar Banjarmasin Total
(11) (12) (13) (14) (15) (16) (17) (18)
- - - - - - - -
420,742 - - - - - - 420,742
6,934,114 - - - - - - 6,934,114
30,852 - - - - - - 30,852
318,958 - - - - - - 318,958
12,147,865 - - - - - - 12,147,865
2024 Annual Report & Sustainability Report
225
Page 228
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Risiko Kredit
Credit Risk
CRB : Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank Secara Individu
CRB : Disclosure of Net Claims by Economic Sector - Individual Banks
31 Desember 2024
Tagihan Tagihan kepada
Kepada Bank Perusahaan Efek
Pembangunan dan Lembaga
Tagihan
Tagihan Multilateral Tagihan Jasa Keuangan
Sektor Ekonomi Kepada Entitas Tagihan
No. Kepada dan Lembaga Berupa lainnya
Economic Sector Sektor Publik Kepada Bank
Pemerintah Internasional Covered Bond Receivables
Receivables Receivables
Receivables to Due to Multilateral Covered Bond from Securities
from Public from Banks
Government Development Receivables Companies and
Sector Entities
Banks and other Financial
International Services
Institutions Institutions
(1) (2) (3) (4) (5) (6) (7) (8)
1 Pertanian, Kehutanan Dan Perikanan - - - - - -
Agriculture, Forestry and Fisheries
2 Pertambangan Dan Penggalian - - - - - -
Mining and Quarrying
3 Industri Pengolahan - - - - - -
Manufacturing Industry
4 Pengadaan Listrik, Gas, Uap/Air - - - - - -
Panas,Udara Dingin
Procurement of Electricity, Gas, Steam/
Hot Water, Cold Air
5 Pengelola Air, Limbah, Daur Ulang - - - - - -
Sampah
Water, Waste, Recycling Management
6 Konstruksi - - - - - -
Construction
7 Perdagangan, Reparasi,Rawat Mobil - - - - - -
& Motor
Trade, Repair, Maintenance of Cars &
Motorcycles
8 Pengangkutan Dan Pergudangan - - - - - -
Transportation and Warehousing
9 Penyediaan Akomodasi, Makan Dan - - - - - -
Minum
Provision of Accommodation, Food
and Drink
10 Informasi Dan Komunikasi - - - - - -
Information and Communication
11 Aktivitas Keuangan Dan Asuransi - - - - - -
Financial and Insurance Activities
12 Real Estat - - - - - -
Real Estate
13 Aktivitas Profesional, Ilmiah Dan Teknis - - - - - -
Professional, Scientific and Technical
Activities
14 Penyewaan, Tenaga Kerja, Agen - - - - - -
Perjalanan
Rental, Labor, Travel Agency
226 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 229
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tagihan Berupa Kredit untuk
Tagihan Kepada
Surat Berharga/ Pengadaan
Usaha Mikro,
Piutang Tanah,
Kredit Kredit Beragun Kredit Usaha Kecil
Subordinasi, Ekuitas Pengolahaan Tagihan Tagihan yang
Beragun Properti Pegawai/ dan Portofolio
dan Intrumen Modal Tanah dan kepada Telah Jatuh
Rumah Komersial Pensiunan Ritel Aset Lainnya
Lainnya Konstruksi Korporasi Tempo Other Assets
Tinggal Commercial Employee/ Receivables
Receivables in the Loans for Land Receivables to Past Due
Residential Property Pensioner from Micro
Form of Securities/ Acquisition, Corporations Receivables
Mortgage Backed Loans Loans Business, Small
Subordinated Debt, Land
Business and
Equity and Other Cultivation and
Retail Portfolio
Capital Instruments Construction
(9) (10) (11) (12) (13) (14) (15) (16) (17)
- - - - - - 328,962 - -
- - - - - - 291,987 - -
- - - - - - 1,451,538 - -
- - - - - - 27,365 - -
- - - - - - - - -
- - - - - - - - -
- - - - - 160 - - -
- - - - - - - - -
- - - - - - - - -
- - - - - - 2,719,653 - -
- - - - - - 716,396 - -
- - - - - - 394,550 - -
- - - - - - - - -
- - - - - - - - -
2024 Annual Report & Sustainability Report
227
Page 230
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
31 Desember 2024
Tagihan Tagihan kepada
Kepada Bank Perusahaan Efek
Pembangunan dan Lembaga
Tagihan
Tagihan Multilateral Tagihan Jasa Keuangan
Sektor Ekonomi Kepada Entitas Tagihan
No. Kepada dan Lembaga Berupa lainnya
Economic Sector Sektor Publik Kepada Bank
Pemerintah Internasional Covered Bond Receivables
Receivables Receivables
Receivables to Due to Multilateral Covered Bond from Securities
from Public from Banks
Government Development Receivables Companies and
Sector Entities
Banks and other Financial
International Services
Institutions Institutions
(1) (2) (3) (4) (5) (6) (7) (8)
15 Admin Pemerintahan, Pertahanan, - - - - - -
Jam-Sos
Admin Government, Defense, Jam-Sos
16 Pendidikan - - - - - -
Education
17 Aktivitas Kesehatan Manusia Dan Sosial - - - - - -
Human Health and Social Activities
18 Kesenian, Hiburan Dan Rekreasi - - - - - -
Arts, Entertainment and Recreation
19 Aktivitas Jasa Lainnya - - - - - -
Other Service Activities
20 Aktivitas Rt Pemberi Kerja, Barang-Jasa - - - - - -
Activity Rt Employer, Goods-Services
21 Aktivitas Badan Internasional, Ekstra - - - - - -
Lain
International Agency Activities, Other
Extras
22 Rumah Tangga - - - - - -
Household
23 Bukan Lapangan Usaha Lainnya - - - - - -
Other Non-Business Fields
24 Lainnya - - - - - -
Others
Total - - - - - -
228 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 231
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tagihan Berupa Kredit untuk
Tagihan Kepada
Surat Berharga/ Pengadaan
Usaha Mikro,
Piutang Tanah,
Kredit Kredit Beragun Kredit Usaha Kecil
Subordinasi, Ekuitas Pengolahaan Tagihan Tagihan yang
Beragun Properti Pegawai/ dan Portofolio
dan Intrumen Modal Tanah dan kepada Telah Jatuh
Rumah Komersial Pensiunan Ritel Aset Lainnya
Lainnya Konstruksi Korporasi Tempo Other Assets
Tinggal Commercial Employee/ Receivables
Receivables in the Loans for Land Receivables to Past Due
Residential Property Pensioner from Micro
Form of Securities/ Acquisition, Corporations Receivables
Mortgage Backed Loans Loans Business, Small
Subordinated Debt, Land
Business and
Equity and Other Cultivation and
Retail Portfolio
Capital Instruments Construction
(9) (10) (11) (12) (13) (14) (15) (16) (17)
- - - - - - - - -
- - - - - - - - -
- - - - - - - - -
- - - - - - - - -
- - - - - - - -
- - - - - - - - -
- - - - - - -
- - - - - 1,210,324 200,161 164,150 -
- - - - - - - - -
- - - - - - - - -
- - - - - 1,210,483 6,130,612 164,150 -
2024 Annual Report & Sustainability Report
229
Page 232
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
31 Desember 2023
Tagihan
Tagihan kepada
Kepada Bank
Perusahaan Efek
Pembangunan
dan Lembaga Jasa
Multilateral Tagihan Kepada Tagihan Berupa
Sektor Ekonomi Tagihan Kepada Keuangan lainnya
No. dan Lembaga Bank Covered Bond
Economic Sector Pemerintah Receivables
Receivables to Internasional Receivables from Covered Bond from Securities
Government Due to Multilateral Banks Receivables Companies and
Development other Financial
Banks and Services
International Institutions
Institutions
(1) (2) (3) (5) (6) (7) (8)
1 Pertanian, Kehutanan Dan Perikanan
Agriculture, Forestry and Fisheries
2 Pertambangan Dan Penggalian
Mining and Quarrying
3 Industri Pengolahan
Manufacturing Industry
4 Pengadaan Listrik, Gas, Uap/Air
Panas,Udara Dingin
Procurement of Electricity, Gas, Steam/
Hot Water, Cold Air
5 Pengelola Air, Limbah, Daur Ulang
Sampah
Water, Waste, Recycling Management
6 Konstruksi
Construction
7 Perdagangan, Reparasi,Rawat Mobil
& Motor
Trade, Repair, Maintenance of Cars &
Motorcycles
8 Pengangkutan Dan Pergudangan
Transportation and Warehousing
9 Penyediaan Akomodasi, Makan Dan
Minum
Provision of Accommodation, Food
and Drink
10 Informasi Dan Komunikasi
Information and Communication
11 Aktivitas Keuangan Dan Asuransi
Financial and Insurance Activities
12 Real Estat
Real Estate
13 Aktivitas Profesional, Ilmiah Dan Teknis
Professional, Scientific and Technical
Activities
14 Penyewaan, Tenaga Kerja, Agen
Perjalanan
Rental, Labor, Travel Agency
15 Admin Pemerintahan, Pertahanan,
Jam-Sos
Admin Government, Defense, Jam-Sos
16 Pendidikan
Education
17 Aktivitas Kesehatan Manusia Dan Sosial
Human Health and Social Activities
230 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 233
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tagihan Berupa Kredit untuk
Tagihan Kepada
Surat Berharga/ Pengadaan
Usaha Mikro,
Piutang Tanah,
Kredit Kredit Beragun Kredit Usaha Kecil
Subordinasi, Ekuitas Pengolahaan Tagihan Tagihan yang
Beragun Properti Pegawai/ dan Portofolio
dan Intrumen Modal Tanah dan kepada Telah Jatuh
Rumah Komersial Pensiunan Ritel Aset Lainnya
Lainnya Konstruksi Korporasi Tempo Other Assets
Tinggal Commercial Employee/ Receivables
Receivables in the Loans for Land Receivables to Past Due
Residential Property Pensioner from Micro
Form of Securities/ Acquisition, Corporations Receivables
Mortgage Backed Loans Loans Business, Small
Subordinated Debt, Land
Business and
Equity and Other Cultivation and
Retail Portfolio
Capital Instruments Construction
(9) (10) (11) (12) (13) (14) (15) (16) (17)
460,915
477,058
1,449,000
37,238
4,200,265
59,639
2024 Annual Report & Sustainability Report
231
Page 234
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
31 Desember 2023
Tagihan
Tagihan kepada
Kepada Bank
Perusahaan Efek
Pembangunan
dan Lembaga Jasa
Multilateral Tagihan Kepada Tagihan Berupa
Sektor Ekonomi Tagihan Kepada Keuangan lainnya
No. dan Lembaga Bank Covered Bond
Economic Sector Pemerintah Receivables
Receivables to Internasional Receivables from Covered Bond from Securities
Government Due to Multilateral Banks Receivables Companies and
Development other Financial
Banks and Services
International Institutions
Institutions
(1) (2) (3) (5) (6) (7) (8)
18 Kesenian, Hiburan Dan Rekreasi
Arts, Entertainment and Recreation
19 Aktivitas Jasa Lainnya
Other Service Activities
20 Aktivitas Rt Pemberi Kerja, Barang-Jasa
Activity Rt Employer, Goods-Services
21 Aktivitas Badan Internasional, Ekstra
Lain
International Agency Activities, Other
Extras
22 Rumah Tangga
Household
23 Bukan Lapangan Usaha Lainnya
Other Non-Business Fields
24 Lainnya
Others
Total - - - - -
232 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 235
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tagihan Berupa Kredit untuk
Tagihan Kepada
Surat Berharga/ Pengadaan
Usaha Mikro,
Piutang Tanah,
Kredit Kredit Beragun Kredit Usaha Kecil
Subordinasi, Ekuitas Pengolahaan Tagihan Tagihan yang
Beragun Properti Pegawai/ dan Portofolio
dan Intrumen Modal Tanah dan kepada Telah Jatuh
Rumah Komersial Pensiunan Ritel Aset Lainnya
Lainnya Konstruksi Korporasi Tempo Other Assets
Tinggal Commercial Employee/ Receivables
Receivables in the Loans for Land Receivables to Past Due
Residential Property Pensioner from Micro
Form of Securities/ Acquisition, Corporations Receivables
Mortgage Backed Loans Loans Business, Small
Subordinated Debt, Land
Business and
Equity and Other Cultivation and
Retail Portfolio
Capital Instruments Construction
(9) (10) (11) (12) (13) (14) (15) (16) (17)
250,000
420,742 30,852
- - - - - - 420,742 6,934,114 30,852 -
2024 Annual Report & Sustainability Report
233
Page 236
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Risiko Kredit
Credit Risk
CRB: Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank Secara Individu
CRB: Disclosure of Net Claims Based on Remaining Contract Term - Individual Banks
31 Desember 2024
Tagihan bersih berdasarkan sisa jangka waktu kontrak
Net Billing Disclosures Based on Remaining Contract Period
Kategori Portofolio
No. Portfolio Category
> 1 thn s.d. > 3 thn s.d.
≤ 1 tahun 3 thn 5 thn > 5 thn Non-
year > 1 yrs s.d. > 3 yrs s.d. yrs Contractual
3 yrs 5 yrs
(1) (2) (3) (4) (5) (6) (7)
1 Tagihan kepada Pemerintah 2,264,310 - - 802,569 269,046
Claims on Sovereign
2 Tagihan kepada Entitas Sektor Publik - - - - -
Claims on Public Sector
Entity
3 Tagihan kepada Bank Pembangunan - - - - -
Multilateral dan Lembaga Internasional
Claims on Multilateral
Development Banks and
International Institutions
4 Tagihan kepada Bank 2,150,366 - - - 55,983
Claims on Banks
5 Tagihan berupa Covered Bond - - - - -
Covered Bond Claims
6 Tagihan kepada Perusahaan Efek dan - - - - -
Lembaga Jasa Keuangan Lainnya
Claims to Securities Companies and Other
Financial Services Institutions
7 Tagihan berupa Surat Berharga/Piutang - - - - -
Subordinasi, Ekuitas, dan Instrumen Modal
Lainnya
Claims in the form of Securities/
Subordinated Receivables, Equity and Other
Capital Instruments
8 Kredit Beragun Properti Rumah Tinggal - - - - -
Residential Property Secured Loans
9 Kredit Beragun Properti Komersial - - - - -
Commercial Property Secured Loans
10 Kredit untuk Pengadaan Tanah, Pengolahan - - - - -
Tanah, dan Konstruksi
Land Acquisition, Land Processing and
Construction Loans
234 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 237
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
31 Desember 2023
Tagihan bersih berdasarkan sisa jangka waktu kontrak
Net receivables based on remaining contractual term
> 1 thn s.d. 3 > 3 thn s.d. 5
≤ 1 tahun > 5 thn Non-
Total thn thn Total
year yrs Contractual
> 1 yrs s.d. 3 yrs > 3 yrs s.d. 5 yrs
(8) (9) (10) (11) (12) (13) (14)
3,335,925 199,971 - - 2,592,871 233,442 3,026,284
- -
- -
2,206,350 1,200,000 - - - 216,321 1,416,321
- -
- -
- -
- -
- -
- -
2024 Annual Report & Sustainability Report
235
Page 238
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
31 Desember 2024
Tagihan bersih berdasarkan sisa jangka waktu kontrak
Net Billing Disclosures Based on Remaining Contract Period
Kategori Portofolio
No. Portfolio Category
> 1 thn s.d. > 3 thn s.d.
≤ 1 tahun 3 thn 5 thn > 5 thn Non-
year > 1 yrs s.d. > 3 yrs s.d. yrs Contractual
3 yrs 5 yrs
(1) (2) (3) (4) (5) (6) (7)
11 Kredit Pegawai - - - - -
Pensiunan
Employee Loan
Pension
12 Tagihan kepada Usaha Mikro, Usaha Kecil, 1,210,396 87 - -
dan Portofolio Ritel/Tagihan Kepada Usaha
Mikro, Usaha Kecil dan Portofolio Ritel
Claims on Micro and Small/Enterprise and
Retail Portfolio
13 Tagihan kepada Korporasi 901,852 3,432,726 767,562 1,028,472 -
Claims on Corporate
14 Tagihan yang Telah Jatuh Tempo 164,150 - - - -
Past Due Claims
15 Aset Lainnya - - - - 451,669
Other Assets
Total 6,691,075 3,432,726 767,649 1,831,041 776,699
236 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 239
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
31 Desember 2023
Tagihan bersih berdasarkan sisa jangka waktu kontrak
Net receivables based on remaining contractual term
> 1 thn s.d. 3 > 3 thn s.d. 5
≤ 1 tahun > 5 thn Non-
Total thn thn Total
year yrs Contractual
> 1 yrs s.d. 3 yrs > 3 yrs s.d. 5 yrs
(8) (9) (10) (11) (12) (13) (14)
- -
1,210,483 420,498 137 108 - - 420,742
6,130,612 250,000 1,499,481 3,307,455 1,877,178 - 6,934,114
164,150 30,852 - - - - 30,852
451,669 - - - - 318,958 318,958
13,499,189 2,101,320 1,499,618 3,307,563 4,470,049 768,721 12,147,270
2024 Annual Report & Sustainability Report
237
Page 240
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Risiko Kredit
Credit Risk
CRB : Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank Secara Individu
CRB: Disclosure of Claims and Provisions by Region - Individual Banks
Keterangan
No. 31 Desember 2024
Description
Wilayah
Area
Jakarta Bandung Surabaya Semarang Medan Makassar Banjarmasin
(1) (2) (4) (5) (6) (7) (8) (9) (10)
1 Tagihan 12,889,693 - - - - - -
Claims
2 Tagihan yang mengalami 153,194 - - - - - -
penurunan nilai
Impairment losses on
Receivables
a. Belum jatuh tempo - - - - - - -
Current
b. Telah jatuh tempo 153,194 - - - - - -
Due date
3 Cadangan kerugian 61,676 - - - - - -
penurunan nilai (CKPN) -
Stage 1
Reserve for impairment losses
(CKPN) - Stage 1
4 Cadangan kerugian 18,397 - - - - - -
penurunan nilai (CKPN) -
Stage 2
Reserve for impairment losses
(CKPN) - Stage 2
5 Cadangan kerugian 24,411 - - - - - -
penurunan nilai (CKPN) -
Stage 3
Reserve for impairment losses
(CKPN) - Stage 3
6 Tagihan yang dihapus buku 99,412 - - - - - -
Write-off
238 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 241
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
31 Desember 2023 (ID Pelapor)
Wilayah
Area
Total Jakarta Bandung Surabaya Semarang Medan Makassar Banjarmasin Total
(11) (12) (13) (14) (15) (16) (17) (18) (20)
12,889,693 11,823,358 - - - - - - 11,823,358
153,194 30,852 - - - - - - 30,852
- - - - - - - - -
153,194 30,852 - - - - - - 30,852
61,676 55,033 - - - - - - 55,033
18,397 4,834 - - - - - - 4,834
24,411 2,330 - - - - - - 2,330
99,412 35,191 - - - - - - 35,191
2024 Annual Report & Sustainability Report
239
Page 242
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Risiko Kredit
Credit Risk
CRB : Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank Secara Individu
CRB : Billing Disclosure and Reservation Based on Economic Sector - Individual Banks
31 Desember 2024
Sektor Ekonomi
No. Economic Sector Tagihan
Receivables
(1) (2) (3)
31 Desember 2024
1 Pertanian, Kehutanan Dan Perikanan 328,962
Agriculture, Forestry and Fisheries
2 Pertambangan Dan Penggalian 291,987
Mining and excavation
3 Industri Pengolahan 1,451,538
Manufacturing
4 Pengadaan Listrik, Gas, Uap/Air Panas,Udara Dingin 27,365
Procurement of Electricity, Gas, Steam/Hot Water, Cold Air
5 Pengelola Air, Limbah, Daur Ulang Sampah -
Water, Waste, Waste Recycling Management
6 Konstruksi -
Construction
7 Perdagangan, Reparasi,Rawat Mobil & Motor -
Trading, Repair, Car & Motorcycle Maintenance
8 Pengangkutan Dan Pergudangan -
Transportation and Warehousing
9 Penyediaan Akomodasi, Makan Dan Minum -
Accommodation, food and drink
10 Informasi Dan Komunikasi 2,719,653
Information and Communication
11 Aktivitas Keuangan Dan Asuransi 716,396
Information and Communication
12 Real Estat 394,550
Real Estate
13 Aktivitas Profesional, Ilmiah Dan Teknis -
Professional, Scientific And Technical Activities
14 Penyewaan, Tenaga Kerja, Agen Perjalanan -
Rentals, Labor, Travel Agents
15 Admin Pemerintahan, Pertahanan, Jam-Sos -
Government Admin, Defense, Social Security
16 Pendidikan -
Education
17 Aktivitas Kesehatan Manusia Dan Sosial -
Human Health And Social Activities
240 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 243
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tagihan yang mengalami penurunan Cadangan Cadangan Cadangan
nilai Kerugian Kerugian Kerugian
Impairment losses Penurunan Nilai Penurunan Nilai Penurunan Nilai Tagihan yang
on Receivables (CKPN) - Stage 1 (CKPN) - Stage 2 (CKPN) - Stage 3 Dihapus Buku
Allowance for Allowance for Allowance for Write-off
Belum Jatuh Telah Jatuh Impairment Impairment Impairment
Tempo Tempo Losses - Losses - Losses -
Current Due date Stage 1 Stage 2 Stage 3
(4) (5) (6) (7) (8) (9)
- - 2,651 - - -
- - 1,354 - - -
- - 10,585 - - -
- - 186 - - -
- - - - - -
- - -
- - 23,035 - - -
- - 5,189 - - -
2,823
2024 Annual Report & Sustainability Report
241
Page 244
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
31 Desember 2024
Sektor Ekonomi
No. Economic Sector Tagihan
Receivables
(1) (2) (3)
18 Kesenian, Hiburan Dan Rekreasi -
Arts, Entertainment and Recreation
19 Aktivitas Jasa Lainnya -
Other Service Activities
20 Aktivitas Rt Pemberi Kerja,Barang-Jasa -
Employer Household Activities, Goods and Services
21 Aktivitas Bdn Internasional,Ekstra Lain -
International Agency Activities, Other Extras
22 Rumah Tangga 1,210,324
Household
23 Bukan Lapangan Usaha Lainnya -
Non-Business Fields
24 Lainnya -
Others
Total 7,140,774
31 Desember 2023
Sektor Ekonomi
No. Economic Sector Tagihan
Receivables
(1) (2) (3)
31 Desember 2024
1 Pertanian, Kehutanan Dan Perikanan 460,915
Agriculture, Forestry and Fisheries
2 Pertambangan Dan Penggalian 477,058
Mining and excavation
3 Industri Pengolahan 1,449,000
Manufacturing
4 Pengadaan Listrik, Gas, Uap/Air Panas,Udara Dingin 37,238
Procurement of Electricity, Gas, Steam/Hot Water, Cold Air
5 Pengelola Air, Limbah, Daur Ulang Sampah
Water, Waste, Waste Recycling Management
6 Konstruksi
Construction
7 Perdagangan, Reparasi,Rawat Mobil & Motor
Trading, Repair, Car & Motorcycle Maintenance
8 Pengangkutan Dan Pergudangan
Transportation and Warehousing
242 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 245
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tagihan yang mengalami penurunan Cadangan Cadangan Cadangan
nilai Kerugian Kerugian Kerugian
Impairment losses Penurunan Nilai Penurunan Nilai Penurunan Nilai Tagihan yang
on Receivables (CKPN) - Stage 1 (CKPN) - Stage 2 (CKPN) - Stage 3 Dihapus Buku
Allowance for Allowance for Allowance for Write-off
Belum Jatuh Telah Jatuh Impairment Impairment Impairment
Tempo Tempo Losses - Losses - Losses -
Current Due date Stage 1 Stage 2 Stage 3
(4) (5) (6) (7) (8) (9)
- - - - - -
- - - - - -
- 153,194 14,413 18,397 24,411 99,412
- 153,194 60,236 18,397 24,411 99,412
Tagihan yang mengalami penurunan Cadangan Cadangan Cadangan
nilai Kerugian Kerugian Kerugian
Impairment losses Penurunan Nilai Penurunan Nilai Penurunan Nilai Tagihan yang
on Receivables (CKPN) - Stage 1 (CKPN) - Stage 2 (CKPN) - Stage 3 Dihapus Buku
Allowance for Allowance for Allowance for Write-off
Belum Jatuh Telah Jatuh Impairment Impairment Impairment
Tempo Tempo Losses - Losses - Losses -
Current Due date Stage 1 Stage 2 Stage 3
(4) (5) (6) (7) (8) (9)
- - 1,835 - - -
- - 1,873 - - -
- - 9,998 - - -
- - 227 - - -
2024 Annual Report & Sustainability Report
243
Page 246
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
31 Desember 2023
Sektor Ekonomi
No. Economic Sector Tagihan
Receivables
(1) (2) (3)
9 Penyediaan Akomodasi, Makan Dan Minum
Accommodation, food and drink
10 Informasi Dan Komunikasi 4,200,265
Information and Communication
11 Aktivitas Keuangan Dan Asuransi 59,639
Information and Communication
12 Real Estat
Real Estate
13 Aktivitas Profesional, Ilmiah Dan Teknis
Professional, Scientific And Technical Activities
14 Penyewaan, Tenaga Kerja, Agen Perjalanan
Rentals, Labor, Travel Agents
15 Admin Pemerintahan, Pertahanan, Jam-Sos
Government Admin, Defense, Social Security
16 Pendidikan
Education
17 Aktivitas Kesehatan Manusia Dan Sosial
Human Health And Social Activities
18 Kesenian, Hiburan Dan Rekreasi 250,000
Arts, Entertainment and Recreation
19 Aktivitas Jasa Lainnya
Other Service Activities
20 Aktivitas Rt Pemberi Kerja,Barang-Jasa
Employer Household Activities, Goods and Services
21 Aktivitas Bdn Internasional,Ekstra Lain
International Agency Activities, Other Extras
22 Rumah Tangga 420,742
Household
23 Bukan Lapangan Usaha Lainnya
Non-Business Fields
24 Lainnya
Others
Total 7,354,856
244 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 247
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tagihan yang mengalami penurunan Cadangan Cadangan Cadangan
nilai Kerugian Kerugian Kerugian
Impairment losses Penurunan Nilai Penurunan Nilai Penurunan Nilai Tagihan yang
on Receivables (CKPN) - Stage 1 (CKPN) - Stage 2 (CKPN) - Stage 3 Dihapus Buku
Allowance for Allowance for Allowance for Write-off
Belum Jatuh Telah Jatuh Impairment Impairment Impairment
Tempo Tempo Losses - Losses - Losses -
Current Due date Stage 1 Stage 2 Stage 3
(4) (5) (6) (7) (8) (9)
- - 33,422 - - -
- - 417 - - -
- - 2,473 - - -
- 30,852 4,788 4,834 2,330 35,191
- 30,852 55,033 4,834 2,330 35,191
2024 Annual Report & Sustainability Report
245
Page 248
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Risiko Kredit
Credit Risk
CRB : Pengungkapan Tagihan Berdasarkan Hari Tunggakan - Bank Secara Individu
CRB: Disclosure of Bills Based on Days of Overdue - Individual Banks
31-Dec-24
Tagihan Berdasarkan Hari Tunggakan
Jenis Eksposur Receivables Based on Days Overdue
No. Types of Exposure
>90 hari s.d. 120 >120 hari s.d. 180
>180 hari
hari hari days
>90 days until 120 days >120 days until 180 days
a b c d e
1 Kredityang termasuk dalam Tagihan yang Telah 20,085 29,766 11,054
Jatuh Tempo
Loans included in Past Due Claims
2 Surat Berharga yang termasuk dalam Tagihan - - -
yang Telah Jatuh Tempo
Securities included in Past Due Claims
Total 20,085 29,766 11,054
CRB-A : Pengungkapn Tambahan terkait Perlakuan Terhadap Aset Bermasalah
CRB-A : Additional Disclosures Regarding Treatment of Non-Performing Assets
CRB-A : Pengungkapan Tambahan terkait Perlakuan terhadap Aset Bermasalah
CRB-A: Additional Disclosures Regarding Treatment of Non-Performing Assets
Performing (Kualitas L dan DPK)
Performing (L and DPK Quality)
Nilai Tercatat Bruto CKPN
Gross Carrying Amount
a b
1 Surat Berharga 2,547,384 -
Securities
2 Kredit 7,417,130 80,073
Loans
a. Korporasi 6,114,359 47,263
Corporate
b. Ritel 1,302,771 32,810
Retail
3 Transaksi Rekening Administratif - -
Administrative Account Transactions
246 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 249
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
31-Dec-23
Tagihan Berdasarkan Hari Tunggakan
Receivables Based on Days Overdue
>120 hari s.d. 180
>90 hari s.d. 120 hari >180 hari
Total hari Total
>90 days until 120 days days
>120 days until 180 days
f g h i j
60,904 24,851 6,000 - 30,852
- - - - -
60,904 24,851 6,000 - 30,852
Non Performing
Tagihan yang mengalami penurunan Tagihan yang Tidak Mengalami Penurunan Nilai
Claims That Are Not Impaired in Value
nilai
Impairment losses
Memiliki Tunggakan >90 Hari Memiliki Tunggakan >90 Hari
on Receivables
Have >90 Days in Arrears Have >90 Days in Arrears
Nilai Tercatat Nilai Tercatat Nilai Tercatat
Bruto CKPN Bruto CKPN Bruto CKPN
Gross Carrying Gross Carrying Gross Carrying
Amount Amount Amount
c d e f g h
- - - - - -
60,904 24,411 - - - -
- - - - - -
60,904 24,411 - - - -
- - - - - -
2024 Annual Report & Sustainability Report
247
Page 250
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Risiko Kredit
Credit Risk
CRB-A: Pengungkapan Aset Restrukturisasi Performing dan Non-Performing
CRB-A: Disclosure of Performing and Non-Performing Restructuring Assets
Performing Non Performing (Kualitas KL, D, M)
(Kualitas L dan DPK)
"Non Performing
Performing
(KL, D, M quality)"
(L and DPK Quality)
Nilai Tercatat Nilai Tercatat
Bruto CKPN Bruto CKPN
Gross Carrying Gross Carrying
Amount Amount
a b c d
1 Surat Berharga 2,547,384 - - -
Securities
2 Kredit 7,417,130 80,073 60,904 24,411
Loans
a. Korporasi 6,114,359 47,263 - -
Corporate
b. Ritel 1,302,771 32,810 60,904 24,411
Retail
3 Transaksi Rekening Administratif - - - -
Administrative Account Transactions
248 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 251
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Stage 1 Stage 2 Stage 3
Nilai Tercatat Nilai Tercatat Nilai Tercatat
Bruto CKPN Bruto CKPN Bruto CKPN
Gross Carrying Gross Carrying Gross Carrying
Amount Amount Amount
e f g h i j
- - - - - -
7,324,841 61,676 92,289 18,397 60,904 24,411
6,114,359 47,263 - - - -
1,210,482 14,413 92,289 18,397 60,904 24,411
- - - - - -
2024 Annual Report & Sustainability Report
249
Page 252
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Risiko Kredit
Credit Risk
CRC: Pengungkapan Kualitatif terkait Teknik MRK
CRC: Qualitative Disclosures related to MRK Techniques
Pengungkapan Kuantitatif terkait Teknik MRK (CR3)
Quantitative Disclosures related to MRK Techniques (CR3)
Tagihan
yang Dijamin
dengan Tagihan
Tagihan yang Tagihan Garansi,
Tidak Dijamin Tagihan yang Dijamin
yang Dijamin Penjaminan
dengan Teknik yang Dijamin dengan
dengan Teknik dan/atau
MRK dengan Derivatif
MRK Asuransi
Tagihan yang Agunan Kredit
Claims Kredit
Tidak Dijamin Claims Secured Claims Secured
Guaranteed with Claims Secured
dengan Teknik by Collateral by Credit
MRK Techniques by Guarantee,
MRK Derivatives
Guarantee and
or Credit
Insurance
a b c d e
1 Kredit 7,341,095 - 6,114,359 -
Loans
2 Surat Berharga 2,547,384 - - -
Securities
3 Total 9,888,479 - 6,114,359 -
4 Kredit dan Surat Berharga yang 153,194 - - -
Telah Jatuh Tempo
Maturity Loans and Securities
Pengungkapan Tambahan
Additional Disclosure
Tagihan yang dijamin dengan Teknik MRK mayoritas dikontribusi oleh kredit dengan jaminan Pemerintah
The majority of claims guaranteed by the MRK Technique are contributed by loans with a Government guarantee
CRD: Pengungkapan Penggunakan Peringkat Kredit Eksternal
CRD: Disclosure of Use of External Credit Ratings
250 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 253
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Halaman ini sengaja di kosongkan
This page intentionally left blank
2024 Annual Report & Sustainability Report
251
Page 254
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Risiko Kredit
Credit Risk
Pengungkapan Eksposur Risiko Kredit dan Dampak Teknik MRK (CR4)
Disclosure of Credit Risk Exposure and Impact of MRK Techniques (CR4)
Bank Secara Individu
Bank Individually
Kategori Portfolio
Portfolio Category
1 Tagihan kepada Pemerintah
Claims on Sovereign
2 Tagihan kepada Entitas Sektor Publik
Claims on Public Sector Entity
3 Tagihan kepada Bank Pembangunan Multilateral dan Lembaga Internasional
Claims on Multilateral Development
Banks and International Institutions
4 Tagihan kepada Bank
Claims on Banks
Tagihan kepadaPerusahaan Efek dan Lembaga Jasa Keuangan Lain
Claims to Securities Companies and Other Financial Services Institutions
5 Tagihan berupa Covered Bond
Covered Bond Claims
6 Tagihan kepada Korporasi - Eksposur Korporasi Umum
Claims on Corporations - General Corporate Exposure
Tagihan kepada perusahaan efek dan lembaga jasa keuangan lain
Claims to securities companies and other financial services institutions
Eksposur Pembiayaan Khusus
Special Financing Exposure
7 Tagihan berupa Surat Berharga
Piutang Subordinasi, Ekuitas, dan Instrumen Modal Lainnya
Claims in the form of Securities
Subordinated Receivables, Equity and Other Capital Instruments
8 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel
Claims on Micro, Small, and Retail Portfolios
252 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 255
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
(dalam jutaan rupiah | in million rupiah)
Tagihan Bersih Sebelum Penerapan Tagihan Bersih Setelah penerapan
FKK dan Teknik MRK FKK dan Teknik MRK ATMR dan Rata-Rata Bobot Risiko
Net Claims Before Implementation of FKK Net Claims After implementing FKK and ATMR and Average Risk Weight
and MRK Techniques MRK Techniques
Rata-Rata Bobot
Laporan Posisi Laporan Posisi
Risiko
Keuangan TRA Keuangan TRA ATMR Average Weight Risk
Financial Position Financial Position
(e
Statement Statement
(c+d)
a b c d e f
3,335,925 - 3,335,925 - - 0.0%
- - - - - #DIV
0!
- - - - - -
2,206,350 - 2,206,350 - 441,270 20.0%
- - - - - #DIV
0!
- - - - - -
6,136,935 686,954 6,136,935 68,695 6,136,935 98.9%
- - - -
- - - - - #DIV
0!
- - - - - #DIV
0!
1,210,484 1,650,503 1,210,484 165,050 907,863 66.0%
2024 Annual Report & Sustainability Report
253
Page 256
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Kategori Portfolio
Portfolio Category
9 Kredit Beragun Properti
Loans Secured by Property
Kredit Beragun Properti Rumah Tinggal yang Pembayarannya Tidak Bergantung Secara Material pada Arus Kas Properti
Residential Property-Backaged Loans whose Payments Are Not Materially Dependent on Property Cash Flow
Kredit Beragun Properti Rumah Tinggal yang Pembayarannya Bergantung Secara Material pada Arus Kas Properti
Residential Property-Backaged Loans whose Payments Depend Materially on the Property's Cash Flows
Kredit Beragun Properti Komersial yang Pembayarannya Tidak Bergantung Secara Material pada Arus Kas Properti
Commercial Property-Backed Loans Where Payments Are Not Materially Dependent on Property Cash Flows
Kredit Beragun Properti Komersial yang Pembayarannya Bergantung Secara Material pada Arus Kas Properti
Commercial Property-Backed Loans Where Payments Depend Materially on the Property's Cash Flows
Kredit untuk Pengadaan Tanah, Pengolahan Tanah, dan Konstruksi
Land Acquisition, Land Processing and Construction Loans
10 Aset Lainnya
Other Assets
11 Tagihan yang Telah Jatuh Tempo
Past Due Claims
12 Kredit Pegawai Pensiun
Employee Loan
Pension
13 Total
Pengungkapan Tambahan
Additional Disclosure
1. Dalam perhitungan CKPN Bank berpedoman pada PSAK 71 dimana Bank menggunakan faktor kuantitatif termasuk penentuan status
berdasarkan hari tunggakan dan informasi kualitatif lainnya yang bisa mengindikasikan telah terjadi peningkatan risiko kredit signifikan dan
gagal bayar (default)
2. Dalam pengenaan FKK, Bank berpedoman pada ketentuan Perhitungan ATMR untuk Risiko Kredit dengan Pendekatan Standar Bagi Bank
Umum
3. Pengenaan MRK pada perhitungan Bank berasal dari Agunan yang menjadi faktor pengurang tagihan bersih pada Laporan Posisi
Keuangan
1. In calculating CKPN, the Bank is guided by PSAK 71 where the Bank uses quantitative factors including determining status based on days
of arrears and other qualitative information which can indicate that there has been a significant increase in credit risk and default.
2. In imposing FKK, the Bank is guided by the provisions for calculating RWA for Credit Risk using the Standard Approach for Commercial
Banks
3. The imposition of MRK in the Bank's calculations comes from Collateral which is a factor reducing net claims in the Statement of Financial
Position
254 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 257
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tagihan Bersih Sebelum Penerapan Tagihan Bersih Setelah penerapan
FKK dan Teknik MRK FKK dan Teknik MRK ATMR dan Rata-Rata Bobot Risiko
Net Claims Before Implementation of FKK Net Claims After implementing FKK and ATMR and Average Risk Weight
and MRK Techniques MRK Techniques
Rata-Rata Bobot
Laporan Posisi Laporan Posisi
Risiko
Keuangan TRA Keuangan TRA ATMR Average Weight Risk
Financial Position Financial Position
(e
Statement Statement
(c+d)
a b c d e f
- - - - - -
- - - - - #DIV
0!
- - - - - #DIV
0!
- - - - - #DIV
0!
- - - - - #DIV
0!
- - - - - #DIV
0!
451,669 - 451,669 - 449,714 99.6%
110,386 - 110,386 - 128,186 116.1%
- - - - - #DIV
0!
13,451,748 2,337,457 13,451,748 233,746 8,063,968 58.9%
2024 Annual Report & Sustainability Report
255
Page 258
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Risiko Kredit
Credit Risk
CRC: Pengungkapan Kualitatif terkait Teknik MRK
CRC: Qualitative Disclosures related to MRK Techniques
Bank Secara Individu
Bank Individually
(dalam jutaan rupiah | in million rupiah)
Tagihan Bersih
Setelah FKK
Kategori Portfolio Lainnya dan Teknik
0% 20% 50% 100% 150% MRK
Portfolio Category Others
Net Claims After
FKK and MRK
Techniques
1 Tagihan Kepada Pemerintah 3,335,925 - - - - - 3,335,925
Receivables on Sovereign
Tagihan Bersih
Setelah FKK
Kategori Portfolio Lainnya dan Teknik
20% 50% 100% 150% MRK
Portfolio Category Others
Net Claims After
FKK and MRK
Techniques
2 Tagihan kepada Entitas Sektor Publik - - - - - -
Receivables on Public Sector Entity
Tagihan Bersih
Setelah FKK
Kategori Portfolio Lainnya dan Teknik
0% 20% 30% 50% 100% 150% MRK
Portfolio Category Others
Net Claims After
FKK and MRK
Techniques
3 Tagihan kepada Bank Pembangunan - - - - - - - -
Multilateral dan Lembaga
Internasional
Claims on Multilateral Development
Banks and International Institutions
Tagihan Bersih
Setelah FKK
Kategori Portfolio Lainnya dan Teknik
20% 30% 40% 50% 75% 100% 150% MRK
Portfolio Category Others
Net Claims After
FKK and MRK
Techniques
4 Tagihan kepada Bank 2,206,350 - - - - - - - 2,206,350
Claims on Banks
Tagihan kepada Perusahaan Efek - - - - - - - - -
dan Lembaga Jasa Keuangan Lain
Claims to Securities Companies and
Other Financial Services Institutions
256 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 259
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tagihan Bersih
Setelah FKK
Kategori Portfolio Lainnya dan Teknik
10% 15% 20% 25% 35% 50% 100% MRK
Portfolio Category Others
Net Claims After
FKK and MRK
Techniques
5 Tagihan berupa Covered Bond - - - - - - - - -
Covered Bond Claims
Tagihan Bersih
Setelah FKK
Kategori Portfolio Lainnya dan Teknik
20% 50% 65% 75% 80% 85% 100% 130% 150% MRK
Portfolio Category Others
Net Claims After
FKK and MRK
Techniques
6 Tagihan kepada Korporasi - - - - - - 6,136,935 - - - 6,205,630
Umum
Claims on General
Corporations
Tagihan kepada Perusahaan - - - - - - - - -
Efek dan Lembaga Jasa
Keuangan Lain
Claims to Securities
Companies and Other
Financial Services Institutions
Eksposur Pembiayaan - - - - - - - - -
Khusus
Special Financing Exposure
Tagihan
Bersih
Setelah FKK
Kategori Portfolio Lainnya dan Teknik
75% 100% 150% 250% 400% MRK
Portfolio Category Others
Net Claims
After FKK
and MRK
Techniques
7 Tagihan berupa Surat Berharga - - - - - - -
Piutang Subordinasi, Ekuitas, dan
Instrumen Modal Lainnya
Claims in the form of Securities
Subordinated Receivables, Equity and
Other Capital Instruments
Tagihan
Bersih
Setelah FKK
Kategori Portfolio Lainnya dan Teknik
45% 67,5% 75% 85% 100% 112,5% 150% MRK
Portfolio Category Others
Net Claims
After FKK
and MRK
Techniques
8 Tagihan kepada Usaha Mikro, Usaha - - 1,210,484 - - - - - 1,375,534
Kecil, dan Portofolio Ritel
Claims on Micro Businesses, Small
Businesses, and Retail Portfolios
2024 Annual Report & Sustainability Report
257
Page 260
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Kategori Portfolio 0% 20% 25% 30% 35% 40% 45% 50%
Portfolio Category
9 Kredit Beragun Properti
Property
Mortgage Loans
Kredit Beragun Properti Rumah Tinggal yang Pembayarannya - - - - - - - -
Tidak Bergantung Secara Material pada Arus Kas Properti
Residential Property-Backaged Loans whose Payments Are
Not Materially Dependent on Property Cash Flow
tanpa pendekatan pembagian kredit - - - - - - - -
without a loan sharing approach
dengan menggunakan pendekatan pembagian kredit -
(dijamin)
using a loan sharing approach (guaranteed)
dengan menggunakan pendekatan pembagian kredit - - - - -
(dijamin)
using a loan sharing approach (guaranteed)
Kredit Beragun Properti Rumah Tinggal yang Pembayarannya - - -
Bergantung Secara Material pada Arus Kas Properti
Residential Property-Backaged Loans whose Payments
Depend Materially on the Property's Cash Flows
Kredit Beragun Properti Komersial yang Pembayarannya Tidak - - - - -
Bergantung Secara Material pada Arus Kas Properti
Commercial Property-Backed Loans Whose Payments Are
Not Materially Dependent on Property Cash Flows
tanpa pendekatan pembagian kredit - - - - -
dengan menggunakan pendekatan pembagian kredit
(dijamin)
dengan menggunakan pendekatan pembagian kredit - - - - -
(dijamin)
Kredit Beragun Properti Komersial yang Pembayarannya
Bergantung Secara Material pada Arus Kas Properti
Commercial Property-Backed Loans Whose Payments
Depend Materially on the Property's Cash Flows
Kredit untuk Pengadaan Tanah, Pengolahan Tanah, dan
Konstruksi
Land Acquisition, Land Processing and Construction Loans
258 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 261
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tagihan Bersih
60% 65% 70% 75% 85% 90% 100% 105% 110% 150% Lainnya Setelah FKK dan
Teknik MRK
-
- - - - - - - - - - -
- - - - - - - - - - -
- -
- - - - - - -
- - - - - -
- - - - - - - -
- - -
- - -
- - - - - - -
- - - - - -
- - - -
2024 Annual Report & Sustainability Report
259
Page 262
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Tagihan Bersih
Setelah FKK
Kategori Portfolio Lainnya dan Teknik
50% 100% 150% MRK
Portfolio Category Others
Net Claims After
FKK and MRK
Techniques
10 Tagihan yang telah jatuh tempo - 74,786 35,600 - 110,386
Past Due Claims
Tagihan Bersih
Setelah FKK
Kategori Portfolio Lainnya dan Teknik
0% 20% 100% 150% 1250% MRK
Portfolio Category Others
Net Claims After
FKK and MRK
Techniques
11 Aset Lainnya 1,955 - 449,714 - - - 451,669
Other Assets
Tagihan Bersih
Setelah FKK
Kategori Portfolio Lainnya dan Teknik
50% 100% 150% MRK
Portfolio Category Others
Net Claims After
FKK and MRK
Techniques
12 Kredit Pegawai Pensiun - - - - -
Employee Loan Pension
Tagihan Bersih
Tagihan Bersih Tagihan Bersih TRA
(Setelah pengenaan
Laporan Posisi (sebelum pengenaan
Bobot Risiko Rata-Rata FKK FKK dan Teknik MRK
No Keuangan FKK)
Weight Risk Average FKK "Net Claims
Net Claims Statement of "TRA Net Claims (before
(After imposition of FKK
Financial Position imposition of FKK)"
and MRK Technique"
1 <40% 5,542,274 - - 5,542,274
2 40%-70% 1,210,484 1,650,503 10.0% 1,210,484
3 75% - - - -
4 80% - - - -
5 85% - - - -
6 90%-100% 6,588,604 686,954 10.0% 6,588,604
7 105%-130% 110,386 - - 110,386
8 150% - - - -
9 250% - - - -
10 400% - - - -
11 1250% - - - -
12 Total Tagihan 17,083,199 2,337,457 10.0% 13,451,748
Bersih
260 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 263
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Pengungkapan Tambahan
Additional Disclosure
1. Dalam perhitungan CKPN Bank berpedoman pada PSAK 71 dimana Bank menggunakan faktor kuantitatif termasuk penentuan status
berdasarkan hari tunggakan dan informasi kualitatif lainnya yang bisa mengindikasikan telah terjadi peningkatan risiko kredit signifikan dan
gagal bayar (default)
2. Dalam pengenaan FKK, Bank berpedoman pada ketentuan Perhitungan ATMR untuk Risiko Kredit dengan Pendekatan Standar Bagi Bank
Umum
3. Pengenaan MRK pada perhitungan Bank berasal dari Agunan yang menjadi faktor pengurang tagihan bersih pada Laporan Posisi
Keuangan
1. In calculating CKPN, the Bank is guided by PSAK 71 where the Bank uses quantitative factors including determining status based on days
of arrears and other qualitative information which can indicate that there has been a significant increase in credit risk and default.
2. In imposing FKK, the Bank is guided by the provisions for calculating RWA for Credit Risk using the Standard Approach for Commercial
Banks
3. The imposition of MRK in the Bank's calculations comes from Collateral which is a factor reducing net claims in the Statement of Financial
Position
Risiko Kredit
Credit Risk
Tabel 21 : Pengungkapan Kualitatif Mengenai Counterparty Credit Risk
Table 21: Qualitative Disclosures Regarding Counterparty Credit Risk
Eksposur Risiko Kredit akibat Kegagalan Pihak lawan (Counterparty Credit Risk Exposure due to Counterparty Failure (Counterparty
Credit Risk) saat ini terdiri dari Reverse Repo Pemerintah dan Credit Risk) currently consists of Government Reverse Repo and
Transaksi Derivatif yang berasal dari Kategori Portofolio Tagihan Derivative Transactions originating from the Portfolio Category of
Kepada Bank dan Tagihan kepada Korporasi. Receivables to Banks and Receivables to Corporations.
Bank melakukan pengelolaan risiko ini secara komprehensif The Bank manages this risk comprehensively by monitoring the
salah satunya dengan melakukan pemantauan pada ekposur Counterparty Credit Risk exposure on a monthly basis including
Counterparty Credit Risk setiap bulannya termasuk pengukuran the measurement of Potential Future Exposure (PFE) value and
nilai Potential Future Exposure (PFE) serta melakukan stress test conducting stress tests on Credit Valuation Adjustment (CVA) at
terhadap Credit Valuation Adjustment (CVA) setidaknya satu kali least once a year which is reported to the Regulator.
dalam setahun yang dilaporkan ke Regulator.
2024 Annual Report & Sustainability Report
261
Page 264
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Tabel 22 : Analisis Eksposur Counterparty Credit Risk
Table 22: Counterparty Credit Risk Exposure Analysis
Alpha
digunakan
Potential untuk
Replacement future perhitungan Tagihan Bersih
EEPE ATMR
cost (RC) exposure regulatory EAD Net Claims
(PFE) Alpha is used for
regulatory EAD
calculations
1 SA-CCR (untuk derivatif) - - - -
SA-CCR (for derivatives)
2 Metode Internal Model (untuk N N
derivatif dan SFT) A A
Internal Model Method (for
derivatives and SFT)
3 Pendekatan sederhana untuk N N
mitigasi risiko kredit (untuk SFT) A A
A simple approach to credit
risk mitigation (for SFT)
4 Pendekatan komprehensif - -
untuk mitigasi risiko kredit
(untuk SFT)
Comprehensive approach to
credit risk mitigation (for SFT)
5 VaR untuk SFT N N
VaR for SFT A A
Total -
Analisis Kualitatif
Qualitative Analysis
Eksposur Counterparty Credit Risk Desember 2023 terdiri dari tagihan Derivatif yang berasal dari Tagihan pada Pemerintah, Tagihan pada
Bank dan Tagihan pada Korporasi.
Counterparty Credit Risk exposure in December 2023 consists of Derivative claims originating from Claims on the Government, Claims on
Banks and Claims on Corporations.
262 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 265
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tabel 24 : Eksposur Counterparty Credit Risk Berdasarkan Kategori Portfolio dan Bobot Risiko
Table 24: Counterparty Credit Risk Exposure Based on Portfolio Category and Risk Weight
31 Desember 2024
Kategori Portofolio Total
Portfolio Category Tagihan
Lainnya
0% 10% 20% 50% 75% 100% 150% Others Bersih
Total Net
Claims
Tagihan kepada Pemerintah 3,335,925 - - - - - - - 3,335,925
Claims on Sovereign
Tagihan kepada Entitas Sektor - - - - - - - - -
Publik
Claims on Public Sector Entity
Tagihan kepada Bank - - - - - - - - -
Pembangunan Multilateral dan
Lembaga Internasional
Claims on Multilateral
Development Banks and
International Institutions
Tagihan kepada Bank - - 2,206,350 - - - - - 2,206,350
Claims on Banks
Tagihan berupa Covered Bond - - - - - - - - -
Covered Bond Claims
Tagihan kepada Perusahaan - - - - - - - - -
Efek dan Lembaga Jasa
Keuangan Lainnya
Claims to Securities Companies
and Other Financial Services
Institutions
Tagihan berupa Surat - - - - - - - - -
Berharga/Piutang Subordinasi,
Ekuitas, dan Instrumen Modal
Lainnya
Claims in the form of Securities
Subordinated Receivables,
Equity and Other Capital
Instruments
Kredit Beragun Properti Rumah - - - - - - - - -
Tinggal
Residential Property Secured
Loans
Kredit Beragun Properti - - - - - - - - -
Komersial
Commercial Property Mortgage
Loans
Kredit untuk Pengadaan - - - - - - - - -
Tanah, Pengolahan Tanah, dan
Konstruksi
Land Acquisition, Land
Processing and Construction
Loans
Kredit Pegawai/Pensiunan - - - - - - - - -
Employee Loan Pension
2024 Annual Report & Sustainability Report
263
Page 266
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
31 Desember 2024
Kategori Portofolio Total
Portfolio Category Tagihan
Lainnya
0% 10% 20% 50% 75% 100% 150% Others Bersih
Total Net
Claims
Tagihan kepada Usaha Mikro, - - - - 1,210,484 - - - 1,210,484
Usaha Kecil, dan Portofolio
Ritel
Claims on Micro Businesses,
Small Businesses, and Retail
Portfolios
Tagihan kepada Korporasi - - - - - 6,136,935 - - 6,136,935
Claims on Corporate
Tagihan yang Telah Jatuh - - - - - 74,786 35,600 - 110,386
Tempo
Past Due Claims
Aset Lainnya - - - - - - - - -
Other Assets
Total 3,335,925 - 2,206,350 - 1,210,484 6,211,721 35,600 - 13,000,079
Analisis Kualitatif
Qualitative Analysis
Eksposur Counterparty Credit Risk pada Desember 2024 terdapat pada Tagihan pada Pemerintah yang berasal dari instrumen Reverse
Repo & derivatif, Tagihan kepada Bank Lain dan Tagihan kepada Korporasi yang berasal dari Instrumen Derivatif
Counterparty Credit Risk exposure in December 2024 is in Receivables to Government from Reverse Repo & derivative instruments,
Receivables to Other Banks and Receivables to Corporations from Derivative Instruments.
Tabel 25: Tagihan Bersih Derivatif Kredit
Table 25: Net Credit Derivatives Claims
Pada posisi Desember 2024, Bank tidak memiliki tagihan bersih As of December 2024, the Bank did not have any net credit
derivatif kredit baik untuk proteksi yang dibeli maupun proteksi derivative receivables for either purchased protection or sold
yang dijual protection.
Tabel 26: Pengungkapan Kualitatif Mengenai Eksposur Sekuritisasi
Table 26: Qualitative Disclosures Regarding Securitization Exposures
Pada posisi Desember 2024, Bank tidak memiliki Eksposur As of December 2024, the Bank does not have any Securitization
Sekuritisasi/=. Exposure.
264 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 267
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tabel 27: Eksposur Sekuritisasi pada Banking Book
Table 27: Securitization Exposure in Banking Book
Pada posisi 31 Desember 2024, Bank tidak memiliki eksposur As of 31 December 2024, the Bank did not have any securitization
sekuritisasi pada Banking Book exposure in the Banking Book.
Tabel 28 : Eksposur Sekuritisasi pada Trading Book
Table 28: Securitization Exposure in Trading Book
Pada posisi 31 Desember 2024, Bank tidak memiliki eksposur As of 31 December 2024, the Bank did not have any securitization
sekuritisasi pada Banking Book exposure in the Banking Book.
Definisi
Definition
(i) Ketika bank sebagai originator maka eksposur sekuritisasi berada pada posisi retained,meskipuntidak cocok untuk kerangka sekuritisasi
yang dikarenakan tidak adanya transfer risiko yang signifikan dan efektif (yang dapat dipresentasikan secara terpisah).
(i) When the bank acts as an originator, the securitization exposure is in a retained position, although it is not suitable for a securitization
framework due to the absence of significant and effective risk transfer (which can be presented separately).
(ii) Apabila bank sebagai sponsor eksposur sekuritisasi termasuk eksposur kepada commercial paper conduits dimana bank menyediakan
programme-wide enhancements, likuiditas dan fasilitas lainnya. Ketika bank sebagai originator dan sponsor, harus menghindari pencatatan
ganda. Terkait hal ini bank dapat menyatukan dua kolom ""Bank sebagai originator"" dan ""Bank sebagai sponsor"" dan menggunakan kolom
""Bank sebagai originator
sponsor"".
If the bank acts as a sponsor, securitization exposure includes exposure to commercial paper conduits, for which the bank provides
program-wide enhancements, liquidity and other facilities. When the bank is the originator and sponsor, the bank must avoid double listing.
In this regard, the bank can combine the two columns "Bank as originator" and "Bank as sponsor" and use the column "Bank as originator
sponsor"".
(iii) Eksposur sekuritisasi ketika bank bertindak sebagai investor adalahinvestasi yang dibeli perjanjian dengan pihak ketiga.
Securitization exposure when a bank acts as an investor is an investment purchased agreement with a third party.
Transaksi sintetis: jika bank telah membeli proteksi harus melaporkan jumlah eksposur bersih yang muncul pada kolom originator/sponsor
(jika jumlahnya tidak diamankan). Jika bank telah menjual proteksi, nilai eksposur dari proteksi kredit harus dilaporkan pada kolom ""investor".
Synthetic transactions: if the bank has purchased protection, the bank must report the net exposure amount that appears in the originator/
sponsor column (if the amount is not secured). If the bank has sold protection, the exposure value of the credit protection must be reported
in the "investor" column.
Re-sekuritisasi: semua eksposur sekuritisasi terkait re-securitisation harus dilengkapi pada baris “re-sekuritisasi”, dan tidak pada baris
sebelumnya (dengan tipe underlying asset) yang mengandung eksposur sekuritisasi selain re-sekuritisasi.
Re-securitization: all securitization exposures related to re-securitization must be completed on the “re-securitization” line, and not on the
previous line (by underlying asset type) that contains securitization exposures other than re-securitization.
Tabel 29: Eksposur Sekuritisasi pada Banking Book dan terkait Persyaratan Modalnya - Bank Bertindak sebagai Originator
atau Sponsor
Table 29: Securitization Exposure in the Banking Book and related Capital Requirements - Bank Acting as Originator or Sponsor
Pada posisi 31 Desember 2024, Bank tidak memiliki eksposur As at 31 December 2024, the Bank did not have any securitization
sekuritisasi pada Banking Book dan terkait Persyaratan Modal - exposure in the Banking Book and related Capital Requirements -
Bank Bertindak sebagai Originator atau Sponsor Bank Acts as Originator or Sponsor.
Tabel 30 : Eksposur Sekuritisasi pada Banking Book dan terkait Persyaratan Modalnya - Bank Bertindak sebagai Investor
Table 30: Banking Book Securitization Exposure and Related Capital Requirements - Bank Acting as Investor
Pada posisi 31 Desember 2024, Bank tidak memiliki eksposur As at 31 December 2024, the Bank did not have any securitization
sekuritisasi pada Banking Book dan terkait Persyaratan Modal - exposure in the Banking Book and related Capital Requirements
Bank Bertindak sebagai Investor - Bank Acting as Investor
2024 Annual Report & Sustainability Report
265
Page 268
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Risiko Pasar
Market Risk
Tabel 15a : Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar
Table 15a: Market Risk Disclosure Using Standardized Method
31 Desember 2024 31 Desember 2023
Jenis Risiko Konsolidasi
No. Bank Bank Konsolidasi
Types of Risk Consolidated
Beban Modal Beban Modal Beban Modal Beban Modal
Capital ATMR Capital ATMR Capital ATMR Capital ATMR
Charges Charges Charges Charges
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Risiko Suku Bunga
Interest Risk
a. Risiko Spesifik - - - - - - - -
Specific Risk
b. Risiko Umum - - - - - - - -
General Risk
2 Risiko Nilai Tukar - - - - - - - -
Foreign Exchange Risk
3 Risiko Ekuitas *) - - - - - - - -
Equity Risk *)
4 Risiko Komoditas *) - - - - - - - -
Commodity Risk *)
5 Risiko Option - - - - - - - -
Option Risk
6 CVA - - -
Total - - - - - - - -
Tabel 15a : Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar
Tabel 15b : Pengungkapan Risiko Pasar dengan Model Internal (Value at Risk)
Pada posisi 31 Desember 2024 dan 31 Desember 2023, Perusahaan As of December 31, 2024 and December 31, 2023, the Company
tidak memiliki Risiko Pasar dengan Model Internal (Value at Risk) did not have Market Risk with Internal Model (Value at Risk).
266 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 269
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tabel 15c : Laporan Penerapan Manajemen Risiko untuk Interest Rate Risk in Banking Book (IRRBB)
Table 15c: Risk Management Implementation Report for Interest Rate Risk in Banking Book (IRRBB)
LAPORAN PENERAPAN MANAJEMEN RISIKO UNTUK IRRBB
RISK MANAGEMENT IMPLEMENTATION REPORT FOR IRRBB
Analisis Kualitatif
Qualitative Analysis
1. Definisi IRRBB untuk Pengukuran dan Pengendalian Risiko Suku Bunga
Definition of IRRBB for Measuring and Controlling Interest Rate Risk
IRRBB merupakan risiko akibat pergerakan atau perubahan suku bunga di pasar yang menimbulkan eksposur risiko suku bunga yang
mempengaruhi posisi banking book dan off balance sheet (aset, liabilitas, dan transaksi rekening administratif). Sensitivitas terhadap
perubahan suku bunga tersebut berpotensi memberikan dampak pada permodalan dan rentabilitas (earning) Bank. Dalam melakukan
pengukuran risiko IRRBB Bank menggunakan metode pengukuran berdasarkan perubahan pada nilai ekonomis dari ekuitas
(Economic Value of Equity) dan pengukuran berdasarkan perubahan pada pendapatan bunga bersih (Net Interest Income).
Pengendalian risiko suku bunga pada banking book adalah serangkaian tindakan yang dilakukan oleh bank untuk mengelola dan
mengurangi dampak perubahan suku bunga terhadap aset, liabilitas, dan transaksi rekening administratif. Proses ini melibatkan
identifikasi risiko, analisis sensitivitas, dan pengawasan secara berkala untuk memastikan stabilitas dan kesehatan keuangan bank.
2. Strategi Manajemen Risiko dan Mitigasi Risiko untuk IRRBB
Risk Management and Risk Mitigation Strategy for IRRBB
Bank senantiasa melakukan pengawasan eksposur IRRBB secara berkala untuk memastikan bahwa risiko tetap dalam batas yang
dapat diterima. Untuk itu, bank menyusun strategi manajemen risiko dan mitigasi yang mencakup penetapan tingkat risiko yang akan
diambil (risk appetite) dan toleransi risiko (risk tolerance) untuk mencegah terjadinya pelampauan batasan limit yang ditetapkan oleh
ketentuan yang berlaku, penetapan tingkat risiko tersebut sejalan dengan strategi bisnis bank. Selain itu, sebagai bagian dari upaya
mitigasi risiko, bank menerapkan strategi diversifikasi portofolio dan menggunakan instrumen keuangan yang tepat untuk melindungi
nilai aset dan kewajiban dari dampak fluktuasi suku bunga.
3. Periodisasi Perhitungan IRRBB dan Pengukuran Spesifik yang Digunakan Bank untuk Mengukur Sensitivitas terhadap IRRBB
Periodization of IRRBB Calculation and Specific Measures Used by Banks to Measure Sensitivity to IRRBB
Berdasarkan aturan yang berlaku dari Regulator, Bank melakukan perhitungan IRRBB setiap Triwulanan untuk posisi akhir bulan
Maret, Juni,September, dan Desember sebagai bagian dari laporan Profil Risiko untuk Risiko Pasar dan laporan Tingkat Kesehatan
Bank. Namun untuk meningkatkan efektifitasnya, pemantauan atas IRRBB juga dilakukan secara bulanan dan dilaporkan kepada
Komite Manajemen Risiko.
Based on the applicable regulations set forth by the Regulator, the Bank calculates IRRBB on a quarterly basis for the end of March,
June, September and December as part of the Risk Profile report for Market Risk and the Bank's Soundness report. However,
to improve its effectiveness, monitoring of IRRBB is also conducted on a monthly basis and reported to the Risk Management
Committee.
4. Skenario Shock Suku Bunga dan Skenario Stress yang Digunakan Bank dalam Perhitungan IRRBB dengan Menggunakan EVE dan NII
Interest Rate Shock Scenario and Stress Scenario Used by Banks in IRRBB Calculation Using EVE and NII
Berdasarkan ketentuan regulator, Bank menggunakan pendekatan standar dalam mengukur IRRBB dengan 6 skenario shock suku
bunga untuk perhitungan ΔEVE yaitu:
- Shock suku bunga yang paralel ke atas (parallel shock up)
- Shock suku bunga yang paralel ke bawah (parallel shock down)
- Shock suku bunga yang melandai (steepener shock)
- Shock suku bunga yang mendatar (flattener shock)
- Shock suku bunga jangka pendek yang meningkat (short rates shock up)
- Shock suku bunga jangka pendek yang menurun (short rates shock down)
Sedangkan perhitungan ΔNII Bank menggunakan pendekatan standar dalam mengukur IRRBB dengan 2 skenario shock suku bunga
yaitu:
- Shock suku bunga yang paralel ke atas (parallel shock up)
- Shock suku bunga yang paralel ke bawah (parallel shock down)
Skenario shock suku bunga saat ini, Bank menggunakan mata uang Rupiah. Untuk skenario shock suku bunga dengan jenis Parallel,
Bank menggunakan besaran perubahan nilai suku bunga sebesar 400 bps. Sementara itu dalam kondisi short menggunakan
besaran perubahan nilai suku bunga masing-masing 500 bps serta untuk kondisi long menggunakan besaran perubahan nilai suku
bunga masing-masing 350 bps.
2024 Annual Report & Sustainability Report
267
Page 270
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
5. Asumsi Permodelan yang Digunakan dalam Pengukuran IRRBB adalah Sebagai Berikut:
The Modeling Assumptions Used in the IRRBB Measurement are as follows:
Seluruh asumsi pemodelan yang dilakukan oleh Bank dalam perhitungan IRRBB telah sesuai dengan pendekatan standar maupun
acuan yang telah ditetapkan oleh Regulator. Sehingga untuk saat ini Bank tidak memiliki asumsi pemodelan khusus yang memiliki
pendekatan yang berbeda dari pendekatan standar.
All modeling assumptions made by the Bank in calculating IRRBB are in accordance with the standard approach and references set
by the Regulator. Therefore, the Bank currently does not have any special modeling assumptions that have a different approach from
the standard approach.
6. Lindung Nilai (hedging) terhadap IRRBB (apabila ada) dan Perlakuan Akuntansi terkait
Hedging against IRRBB (if any) and related Accounting Treatment
Saat ini Bank melakukan tindakan lindung nilai (hedging) terhadap IRRBB melalui natural hedging yaitu menggunakankarakteristik
internal dari posisi aset dan kewajiban di dalam banking book untuk mengurangi dampak fluktuasi suku bunga tanpa harus
menggunakan instrumen derivatif eksternal.
The Bank currently hedges IRRBB through natural hedging, which uses the internal characteristics of asset and liability positions in
the banking book to reduce the impact of interest rate fluctuations without having to use external derivative instruments.
7. Penjelasan Komprehensif mengenai Asumsi Utama Pemodelan dan Parametric yang Digunakan untuk Menghitung ∆EVE dan ∆NII:
a. ∆EVE
Untuk posisi Desember 2024 pada Risiko Suku Bunga pada Banking Book (IRRBB) pada indikator delta Economic Value of
Equity (EVE) dimana risiko maksimum terjadi pada skenario parallel up (suku bunga naik) yaitu sebesar Rp. 873,54 milliar,
selanjutnya apabila dibandingkan dengan Modal Tier 1 Bank sebesar Rp 7,11 triliun maka delta EVE adalah sebesar 12.29%.
For the position of December 2024, in the Interest Rate Risk in the Banking Book (IRRBB) on the Economic Value of Equity
(EVE) delta indicator, where the maximum risk occurs in the parallel up scenario (interest rates rise) amounting to Rp873.54
billion, then when compared to the Bank's Tier 1 Capital of Rp7.11 trillion, the EVE delta is 12.29%.
b. Δ NII
Untuk posisi Desember 2024, nilai delta Net Interest Income (NII) dimana risiko maksimum terjadi pada skenario parallel up
sebesar Rp. 17,61 milliar. Apabila dibandingkan dengan projected income Desember 2024 Bank sebesar Rp 580,76 miliar, delta
NII adalah sebesar 3.03%.
For the December 2024 position, the Net Interest Income (NII) delta value where the maximum risk occurs in the parallel up
scenario, is Rp17.61 billion. When compared to the Bank's December 2024 projected income of Rp580.76 billion, the delta NII
is 3.03%.
Analisis Kuantitatif
Quantitative Analysis
1. Rata-rata Jangka Waktu Penyesuaian Suku Bunga (repricing maturity) yang Diterapkan untuk NMD
Average repricing maturity applied to NMDs
Rata - rata jangka waktu penyesuaian suku bunga (repricing maturity) yang diterapkan untuk NMD adalah 1 bulan melalui review
secara bulanan pada rapat ALCO.
The average repricing maturity applied to NMD is 1 month through monthly reviews at ALCO meetings.
2. Repricing maturity terpanjang yang diterapkan untuk NMD.
Longest maturity repricing applied for NMD.
Bank menerapkan jangka waktu penyesuaian suku bunga (repricing maturity) terlama yang diterapkan untuk NMD adalah 1 tahun.
The longest repricing maturity applied for NMD is 1 year.
268 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 271
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tabel 15c : Laporan Penerapan Manajemen Risiko untuk Interest Rate Risk in Banking Book (IRRBB)
Table 15c: Risk Management Implementation Report for Interest Rate Risk in Banking Book (IRRBB)
LAPORAN PENERAPAN MANAJEMEN RISIKO UNTUK IRRBB
RISK MANAGEMENT IMPLEMENTATION REPORT FOR IRRBB
ΔEVE ΔEVE ΔNII ΔNII
Skenario Shock 31 Desember 30 September 31 Desember 30 September
No Shock Scenario 2024 2024 2024 2024
1 Paralel UP (400 bps) (873,538) (1,212,630) (17,607) (114,695)
2 Paralel Down (400 bps) 1,109,845 1,582,262 17,607 114,695
3 Steepener (220,483) (431,483)
4 Flattener 40,824 181,137
5 Short Rate Up (390,955) (452,032)
6 Short Rate Down 412,293 477,694
Nilai Kerugian Maksimum (Absolut) 873,538 1,212,630 17,607 114,695
Maximum Loss Value (Absolute)
Modal Tier 1 (utk ΔEVE) atau Projected Income 7,110,381 7,025,499 580,763 580,763
(utk ΔNII)
Tier 1 Capital (for ΔEVE) or Projected Income
(for ΔNII)
Nilai Maksimum dibagi Modal Tier-1 (utk ΔEVE) 12.29% 17.26% 3.03% 19.75%
atau Projected Income (utk ΔNII)
Maximum Value divided by Tier-1 Capital (for
ΔEVE) or Projected Income (for ΔNII)
2024 Annual Report & Sustainability Report
269
Page 272
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Risiko Likuiditas
Liquidity Ratio
Tabel 17: Pengungkapan Nilai Liquidity Coverage Ratio (LCR)
Table 17: Disclosure of Liquidity Coverage Ratio (LCR) Values
Komponen
No Component
1 Jumlah data Poin yang digunakan dalam perhitungan LCR
Number of data points used in LCR calculations
HIGH QUALITY LIQUID ASSET (HQLA)
2 Total High Quality Liquid Asset (HQLA)
ARUS KAS KELUAR (CASH OUTFLOW)
3 Simpanan nasabah perorangan dan Pendanaan yang berasal dari nasabah Usaha Mikro dan Usaha Kecil, terdiri dari:
Individual customer deposits and funding originating from Micro Business and Small Business customers, consist of:
a. Simpanan/Pendanaan stabil
Stable savings/funding
b. Simpanan/Pendanaan kurang stabil
Unstable savings/funding
4 Pendanaan yang berasal dari nasabah korporasi, terdiri dari:
Funding originating from corporate customers consists of:
a. Simpanan operasional
Operational Savings
b. Simpanan non-operasional dan
atau kewajiban lainnya yang bersifat non-operasional
Non-operational savings and
or other non-operational liabilities
c. surat berharga berupa surat utang yang diterbitkan oleh bank
securities including debt securities issued by banks
5 Pendanaan dengan agunan (secured funding)
6 Arus kas keluar lainnya (additional requirement), terdiri dari:
a. arus kas keluar atas transaksi derivatif
cash outflow on derivative transactions
b. arus kas keluar atas peningkatan kebutuhan likuiditas
cash outflow on increased liquidity needs
c. arus kas keluar atas kehilangan pendanaan
cash outflow due to loss of funding
270 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 273
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
INDIVIDUAL INDIVIDUAL
Triwulan III 2024 Triwulan IV 2024
Third quarter of 2024 Fourth quarter of 2024
Nilai HQLA setelah pengurangan Nilai HQLA setelah pengurangan
nilai (haircut), outstanding nilai (haircut), outstanding
Nilai outstanding Nilai outstanding
kewajiban dan komitmen kewajiban dan komitmen
kewajiban dan kewajiban dan
dikalikan tingkat penarikan dikalikan tingkat penarikan
komitmen nilai komitmen nilai
(run-off rate) atau nilai tagihan (run-off rate) atau nilai tagihan
tagihan kontraktual tagihan kontraktual
Outstanding value kontraktual dikalikan tingkat Outstanding value kontraktual dikalikan tingkat
of obligations and penerimaan (inflow rate). of obligations and penerimaan (inflow rate).
commitments HQLA value after haircut, outstanding commitments HQLA value after haircut, outstanding
value of contractual obligations and commitments value of contractual obligations and commitments
claims multiplied by run-off rate or contractual claims multiplied by run-off rate or contractual
receivable value multiplied by inflow receivable value multiplied by inflow
rate. rate.
Rata-rata dari 3 (tiga) posisi akhir bulan Rata-rata dari 3 (tiga) posisi akhir bulan
terakhir terakhir
Average of 3 (three) positions at the end Average of 3 (three) positions at the end
of the last month of the last month
3,023,839 3,678,172
893,712 85,341 903,571 87,237
80,600 4,030 62,397 3,120
813,111 81,311 841,173 84,117
3,400,291 2,218,760 3,389,900 2,443,119
23,055 5,097 62,695 13,979
3,377,235 2,213,663 3,327,205 2,429,141
- - - -
- -
- - - -
- - - -
- - - -
- - - -
2024 Annual Report & Sustainability Report
271
Page 274
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Komponen
No Component
d. arus kas keluar atas penarikan komitmen fasilitas kredit dan fasilitas likuiditas
cash outflow on withdrawal of loan facility commitments and liquidity facilities
e. arus kas keluar atas kewajiban kontraktual lainnya terkait penyaluran dana
cash outflow for other contractual obligations related to the distribution of funds
f. arus kas keluar atas kewajiban kontijensi pendanaan lainnya
cash outflow on other funding contingent liabilities
g. arus kas keluar kontraktual lainnya
other contractual cash outflows
7 TOTAL ARUS KAS KELUAR (CASH OUTFLOW)
ARUS KAS MASUK (CASH INFLOW)
8 Pinjaman dengan agunan Secured lending
Loans with collateral Secured lending
9 Tagihan berasal dari pihak lawan (counterparty)
The claims comes from the counterparty
10 Arus kas masuk lainnya
Other cash inflows
11 TOTAL ARUS KAS MASUK
TOTAL CASH INFLOW
12 TOTAL HQLA
13 TOTAL ARUS KAS KELUAR BERSIH
TOTAL NET CASH OUTFLOWS
14 LCR (%)
Keterangan
Description:
1Adjusted values dihitung setelah pengenaan pengurangan nilai (haircut), tingkat penarikan (run-off rate), dan tingkat penerimaan (inflow
rate) serta batas maksimum komponen HQLA, misalnya batas maksimum HQLA Level 2B dan HQLA Level 2 serta batas maksimum arus kas
masuk yang dapat diperhitungkan dalam LCR.
1Adjusted values are calculated after the imposition of haircuts, run-off rates, and inflow rates as well as maximum limits on HQLA
components, e.g. maximum limits on HQLA Level 2B and HQLA Level 2 as well as maximum limits on cash inflows that can be taken into
account in the LCR.
272 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 275
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
INDIVIDUAL INDIVIDUAL
Triwulan III 2024 Triwulan IV 2024
Third quarter of 2024 Fourth quarter of 2024
Nilai HQLA setelah pengurangan Nilai HQLA setelah pengurangan
nilai (haircut), outstanding nilai (haircut), outstanding
Nilai outstanding Nilai outstanding
kewajiban dan komitmen kewajiban dan komitmen
kewajiban dan kewajiban dan
dikalikan tingkat penarikan dikalikan tingkat penarikan
komitmen nilai komitmen nilai
(run-off rate) atau nilai tagihan (run-off rate) atau nilai tagihan
tagihan kontraktual tagihan kontraktual
Outstanding value kontraktual dikalikan tingkat Outstanding value kontraktual dikalikan tingkat
of obligations and penerimaan (inflow rate). of obligations and penerimaan (inflow rate).
commitments HQLA value after haircut, outstanding commitments HQLA value after haircut, outstanding
value of contractual obligations and commitments value of contractual obligations and commitments
claims multiplied by run-off rate or contractual claims multiplied by run-off rate or contractual
receivable value multiplied by inflow receivable value multiplied by inflow
rate. rate.
- - - -
- - - -
- - - -
- - - -
2,304,101 2,530,356
- - 33,170 -
1,135,125 582,984 731,015 402,362
- - - -
582,984 402,362
TOTAL ADJUSTED VALUE1 TOTAL ADJUSTED VALUE1
3,023,839 3,678,172
1,721,117 2,127,994
175.69% 172.85%
2024 Annual Report & Sustainability Report
273
Page 276
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Analisis
Analysis
1. Perhitungan Liquidity Coverage Ratio posisi Triwulan IV tahun 2024 Bank Allo Indonesia periode Oktober 2024 - Desember 2024
sebesar 172.85% di atas ketentuan yang dipersyaratkan Regulator yaitu 100% (POJK Nomor 42/POJK.03/2015 tentang Kewajiban
Pemenuhan Rasio Kecukupan Likuiditas (Liquidity Coverage Ratio) Bagi Bank Umum). Hal ini mengindikasikan kondisi Bank cukup baik
dalam mengelola kebutuhan likuiditas untuk menopang aktivitas bisnis dalam periode 3 bulan terakhir.
2. Nilai LCR Triwulan IV tahun 2024 diperoleh dari rata-rata harian laporan selama bulan Oktober 2024 sampai dengan Desember 2024.
Nilai rata-rata untuk Triwulan IV mengalami penurunan sebesar 2.84% dibandingkan periode Triwulan III tahun 2024 yang sebesar
175.69%. Penurunan rasio ini disebabkan oleh:
a. a.Total High Quality Liquid Asset (HQLA) pada Triwulan IV tahun 2024 mengalami peningkatan 21.64% dibandingkan Triwulan
III tahun 2024. Faktor peningkatan HQLA ditimbulkan dari Total penempatan pada Bank Indonesia dan Surat berharga yang
diterbitkan Pemerintah Pusat dan Bank Indonesia dalam rupiah jika dibandingkan dengan Triwulan sebelumnya.
b. b.Total rata-rata Arus Kas Keluar Bersih (Net Cash Outflow) pada periode Triwulan IV tahun 2024 sebesar Rp. 2,13 triliun, mengalami
peningkatan sebesar 23.64% atau setara Rp. 406,88 miliar dibandingkan periode Triwulan III tahun 2024 yang sebesar Rp.
1,72 triliun. Hal ini disebabkan adanya peningkatan pendanaan yang berasal dari Nasabah Korporasi sebesar 224,36 miliar dan
simpanan nasabah perorangan dan Pendanaan yang berasal dari Nasabah Usaha Mikro dan Usaha Kecil sebesar 1,90 miliar
dibandingkan periode Triwulan III Tahun 2024.
3. Komposisi rata-rata HQLA Allo Bank selama Triwulan IV 2024 didominasi oleh surat berharga Pemerintah 93.45% (setelah
pembobotan).
4. Konsentrasi rata-rata sumber pendanaan pada posisi Triwulan IV 2024 yang berasal dari nasabah perorangan sebesar 3.21% dan
nasabah korporasi sebesar 96.55% (setelah pembobotan). Hal ini dipahami oleh Bank, dimana Bank terus berupaya meningkatkan
sumber pendanaan perorangan dengan melakukan berbagai program untuk menarik nasabah ritel untuk menambah porsi dana stabil.
5. Allo Bank tidak memiliki eksposur derivatif pada Triwulan IV 2024.
6. Dalam pengelolaan likuiditas, Allo Bank telah mengidentifikasi, mengukur, memantau dan mengendalikan risiko likuiditas dengan
komprehensif, antara lain dilakukan dengan pemantauan risk limit likuiditas (appetite limit & tolerance limit), perhitungan proyeksi arus
kas, Maturity Profile Behavioural, perhitungan Aset Likuid terhadap Non-Core Deposit, Liquidity Coverage Ratio (LCR), Net Stable Funding
Ratio (NSFR), stress testing likuiditas dan pengelolaan likuiditas yang ditetapkan dalam rapat komite ALCO dan dilaksanakan oleh
unit kerja terkait baik Funding, Lending, dan Treasury. Bank juga telah melakukan Table Top Exercise dengan skenario likuiditas untuk
memastikan kesiapan Bank pada saat terjadi krisis likuiditas yang dipengaruhi oleh berbagai faktor internal maupun eksternal.
274 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 277
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Analisis
Analysis
1. Calculation of Liquidity Coverage Ratio position in the fourth quarter of 2024 Bank Allo Indonesia for the period October 2024
- December 2024 amounted to 172.85% above the provisions required by the Regulator which is 100% (POJK Number 42/
POJK.03/2015 concerning Obligations to Fulfill the Liquidity Adequacy Ratio (Liquidity Coverage Ratio) for Commercial Banks). This
indicates that the Bank's condition is quite good in managing liquidity needs to support business activities in the last 3 months period.
2. The LCR value for the fourth quarter of 2024 was obtained from the daily average of reports from October 2024 to December 2024.
The average value for the fourth quarter decreased by 2.84% compared to the third quarter of 2024 which amounted to 175.69%. The
decrease in this ratio was caused by:
a. Total High Quality Liquid Asset (HQLA) in the fourth quarter of 2024 increased by 21.64% compared to the third quarter of 2024.
The increase in HQLA was caused by total placements with Bank Indonesia and securities issued by the Central Government and
Bank Indonesia in rupiah when compared to the previous quarter.
b. Total average Net Cash Outflow in the fourth quarter of 2024 amounted to Rp2.13 trillion, an increase of 23.64% or equivalent to
Rp406.88 billion compared to the third quarter of 2024 which amounted to Rp1.72 trillion. This was due to an increase in funding
from corporate customers by 224.36 billion and individual customer deposits and funding from micro and small business customers
by 1.90 billion compared to the third quarter of 2024.
3. The composition of Allo Bank's average HQLA during the fourth quarter of 2024 was dominated by Government securities 93.45%
(after weighting).
4. The average concentration of funding sources in Q4 2024 position from individual customers amounted to 3.21% and corporate
customers amounted to 96.55% (after weighting). This is acknowledged by the Bank, where the Bank continues to strive to increase
individual funding sources by conducting various programs to attract retail customers to increase the portion of stable funds.
5. Allo Bank has no derivative exposure as of Q4 2024.
6. In managing liquidity, Allo Bank has identified, measured, monitored and controlled liquidity risk comprehensively, among others by
monitoring liquidity risk limits (appetite limit & tolerance limit), calculating cash flow projections, Maturity Profile Behavioural, calculating
Liquid Assets against Non-Core Deposits, Liquidity Coverage Ratio (LCR), Net Stable Funding Ratio (NSFR), liquidity stress testing
and liquidity management which are determined in the ALCO committee meeting and implemented by the relevant working units
of Funding, Lending, and Treasury. The Bank has also conducted a Table Top Exercise with liquidity scenarios to ensure the Bank's
readiness in the event of a liquidity crisis influenced by various internal and external factors.
2024 Annual Report & Sustainability Report
275
Page 278
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Risiko Likuiditas
Liquidity Ratio
Tabel 17: Laporan NSFR
Table 17: NSFR Report
Posisi 30 September 2024
Position as of September 30, 2024
Nilai Tercatat Berdasarkan Sisa Jangka Waktu
Komponen ASF Carrying Value Based on Remaining Period
ASF Component
Tanpa Jangka
< 6 bulan 6 bln - < 1 th 1 tahun
Waktu month 6 month - < 1 yr year
No Time Period
1 Modal 7,138,777 - - -
Capital:
2 Modal sesuai POJK KPMM 7,138,777 - - -
Capital according to POJK CAR
3 Instrumen modal lainnya - - - -
Other capital instruments
4 Simpanan yang berasal dari nasabah perorangan dan 644,310 402,624 14,790 2,524
pendanaan yang berasal dari nasabah usaha mikro
dan usaha kecil:
Deposits originating from individual customers and
funding originating from micro and small business
customers:
5 Simpanan dan Pendanaan Stabil 51,070 11,283 941 105
Stable Savings and Funding
6 Simpanan kurang stabil 593,240 391,341 13,849 2,419
Unstable savings
7 Pendanaan yang berasal dari nasabah korporasi: 167,083 5,237,408 - -
Funding originating from corporate customers:
8 Simpanan operasional 30,625 - - -
Operational savings
9 Pendanaan lainnya yang berasal dari nasabah 136,458 5,237,408 - -
korporasi
Other funding comes from corporate customers
10 Liabilitas yang memiliki pasangan aset yang saling - - - -
bergantung
Liabilities that have interdependent asset pairs
11 Liabilitas dan ekuitas lainnya 372,356 - - -
Liabilities and other equity:
12 NSFR liabilitas derivatif - - -
NSFR derivative liabilities
13 ekuitas dan liabilitas lainnya yang tidak masuk dalam 372,356 - - -
kategori diatas
equity and other liabilities that are not included in the
above categories
14 Total ASF
15 Total HQLA dalam rangka perhitungan NSFR
Total HQLA in the framework of NSFR calculations
276 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 279
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Posisi 31 Desember 2024
Position as of December 31, 2024
Nilai Tercatat Berdasarkan Sisa Jangka Waktu
Carrying Value Based on Remaining Period
Total Nilai Total Nilai
Tertimbang Tanpa Jangka Tertimbang
Total Weighted Value < 6 bulan 6 bln - < 1 th 1 tahun Total Weighted Value
Waktu month 6 month - < 1 yr year
No Time Period
7,138,777 7,237,656 - - - 7,237,656
7,138,777 7,237,656 - - - 7,237,656
- - - - - -
961,240 708,984 618,256 69,313 6,486 1,266,650
60,234 63,439 1,627 256 64 62,120
901,006 645,545 616,630 69,057 6,421 1,204,530
998,684 74,849 4,908,976 - - 661,313
15,312 69,102 - - - 34,551
983,371 5,747 4,908,976 - - 626,762
- - - - - -
33,892 333,889 - - - 2,959
- - -
33,892 333,889 - - - 2,959
9,132,593 9,168,578
178,585 142,363
2024 Annual Report & Sustainability Report
277
Page 280
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Posisi 30 September 2024
Position as of September 30, 2024
Nilai Tercatat Berdasarkan Sisa Jangka Waktu
Komponen ASF Carrying Value Based on Remaining Period
ASF Component
Tanpa Jangka
< 6 bulan 6 bln - < 1 th 1 tahun
Waktu month 6 month - < 1 yr year
No Time Period
16 Simpanan pada lembaga keuangan lain untuk tujuan 236,914 - - -
operasional
Deposits with other financial institutions for operational
purposes
17 Pinjaman dengan kategori Lancar dan Dalam 236,914 861,177 1,017,337 5,957,033
Perhatian Khusus (performing) dan surat berharga
Loans in the Current and Special Mention categories
(performing) and securities
18 kepada lembaga keuangan yg dijamin dg HQLA Level 1 - - - -
to financial institutions guaranteed with HQLA Level 1
19 kepada lembaga keuangan yg dijamin bukan dg HQLA 236,914 540,000 - -
Level 1 dan pinjaman kepada lembaga keuangan tanpa
jaminan
to financial institutions guaranteed with HQLA Level 1
and savings to financial institution without guarantee
20 kepada perusahaan non-keuangan, nasabah - 321,177 1,017,337 5,957,033
perorangan dan nasabah usaha mikro dan usaha kecil,
Pemerintah Indonesia, pemerintah negara lain, Bank
Indonesia, bank sentral negara lain dan entitas sektor
publik, yang diantaranya:
to non-financial companies, individual customers and
micro and small business customers, the Government
of Indonesia, governments of other countries, Bank
Indonesia, central banks of other countries and public
sector entities, including:
21 memenuhi kualifikasi untuk mendapat bobot risiko - - - -
35% atau kurang, sesuai SE OJK ATMR untuk Risiko
Kredit
meet the qualifications to receive a risk weight of 35%
or less, according to the OJK RWA SE for Credit Risk
22 Kredit beragun rumah tinggal yang tidak sedang - - - -
dijaminkan, yang diantaranya:
Residential mortgages that are not collateralized
include:
23 memenuhi kualifikasi untuk mendapat bobot risiko - - - -
35% atau kurang, sesuai SE OJK ATMR untuk Risiko
Kredit
meet the qualifications to receive a risk weight of 35%
or less, according to the OJK RWA SE for Credit Risk
24 Surat Berharga yang tidak sedang dijaminkan, tidak - - - -
gagal bayar, dan tidak masuk sebagai HQLA, termasuk
saham yang diperdagangkan di bursa
Securities that are not being pledged as collateral, are
not in default, and are not included as HQLA, including
shares traded on the stock exchange
25 Aset yang memiliki pasangan liabilitas yang saling - - - -
bergantung
An asset that has an interdependent liability pair
26 Aset lainnya: 390,247 21,657 18,746 236,362
Other assets:
278 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 281
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Posisi 31 Desember 2024
Position as of December 31, 2024
Nilai Tercatat Berdasarkan Sisa Jangka Waktu
Carrying Value Based on Remaining Period
Total Nilai Total Nilai
Tertimbang Tanpa Jangka Tertimbang
Total Weighted Value < 6 bulan 6 bln - < 1 th 1 tahun Total Weighted Value
Waktu month 6 month - < 1 yr year
No Time Period
118,457 55,983 - - - 27,992
6,742,827 - 2,850,028 1,788,982 5,217,193 6,668,587
- - 288,706 - - 28,871
116,537 - 2,150,366 - - 322,555
6,626,290 - 410,955 1,788,982 5,217,193 6,317,162
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
667,012 652,744 31,316 26,288 324,421 1,034,769
2024 Annual Report & Sustainability Report
279
Page 282
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Posisi 30 September 2024
Position as of September 30, 2024
Nilai Tercatat Berdasarkan Sisa Jangka Waktu
Komponen ASF Carrying Value Based on Remaining Period
ASF Component
Tanpa Jangka
< 6 bulan 6 bln - < 1 th 1 tahun
Waktu month 6 month - < 1 yr year
No Time Period
27 Komoditas fisik yang diperdagangkan, termasuk emas -
Physical commodities traded, including gold
28 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, 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)
29 NSFR aset derivatif -
NSFR derivative assets
30 NSFR liabilitas derivatif sebelum dikurangi dengan -
variation margin
NSFR derivative liabilities before deducting variation
margin
31 Seluruh aset lainnya yg tidak masuk dalam kategori di 390,247 21,657 18,746 236,362
atas
All other assets that do not fall into the above
categories
32 Rekening Administratif 1,959,890
Administrative Accounts
33 Total RSF
34 Rasio Pendanaan Stabil Bersih
Net Stable Funding Ratio
Analisis Kualitatif
Qualitative Analysis
● NSFR (Net Stable Funding Ratio) posisi 31 Desember 2024 sebesar 115.87%, turun 2.09% bila dibandingkan NSFR posisi 30
September 2024 yaitu sebesar 117.96%. Penurunan NSFR ini terutama disebabkan oleh peningkatan RSF (Required Stable Funding)
lebih besar jika dibandingkan dengan peningkatan ASF (Available Stable Funding). Total RSF meningkat sebesar 2.21% dan total AFS
meningkat 0.39% jika dibandingkan triwulan sebelumnya.
● Turunnya NSFR Bank disebabkan oleh beberapa hal sebagai berikut:
ASF:
- Total ASF meningkat 0.39% bila dibandingkan NSFR posisi 30 September 2024.
- Modal sesuai POJK KPMM meningkat 1.39% bila dibandingkan NSFR posisi 30 September 2024.
- Peningkatan ASF terutama pada komponen simpanan yang berasal dari nasabah perorangan dan pendanaan yang berasal dari
nasabah usaha mikro dan usaha kecil sebesar IDR 305,41 miliar atau 31.77% bila dibandingkan periode 30 September 2024.
- Secara khusus pendanaan Bank didominasi oleh pendanaan non-stabil yaitu IDR 1,20 triliun, dibandingkan dengan IDR 62,12 miliar
untuk pendanaan stabil Bank.
- Rasio pendanaan stabil dibandingkan non-stabil Bank adalah 5.16%.
● RSF:
- Total RSF mengalami peningkatan 2.21% bila dibandingkan NSFR posisi 30 September 2024.
- Peningkatan RSF di peroleh dari komponen aset lainnya sebesar 55.13% dan komponen rekening administratif sebesar 11.06% bila
dibandingkan NSFR posisi 30 September 2024.
280 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 283
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Posisi 31 Desember 2024
Position as of December 31, 2024
Nilai Tercatat Berdasarkan Sisa Jangka Waktu
Carrying Value Based on Remaining Period
Total Nilai Total Nilai
Tertimbang Tanpa Jangka Tertimbang
Total Weighted Value < 6 bulan 6 bln - < 1 th 1 tahun Total Weighted Value
Waktu month 6 month - < 1 yr year
No Time Period
- - -
- - -
- - -
- - -
667,012 652,744 31,316 26,288 324,421 1,034,769
35,419 2,436,918 39,338
7,742,300 7,913,049
117.96% 115.87%
Analisis Kualitatif
Qualitative Analysis
● NSFR (Net Stable Funding Ratio) as of December 31, 2024 amounted to 115.87%, a decrease of 2.09% compared to NSFR as of
September 30, 2024 which amounted to 117.96%. The decrease in NSFR was mainly due to the increase in RSF (Required Stable
Funding) which was greater than the increase in ASF (Available Stable Funding). Total RSF increased by 2.21% and total AFS increased
by 0.39% compared to the previous quarter.
● The decrease in the Bank's NSFR was due to the following reasons:
ASF:
- Total ASF increased by 0.39% when compared to NSFR position on September 30, 2024.
- Capital in accordance with POJK CAR increased by 1.39% compared to NSFR position on September 30, 2024.
- The increase in ASF is mainly in the component of deposits originating from individual customers and funding originating from micro
and small business customers amounting to Rp305.41 billion or 31.77% when compared to the period September 30, 2024.
- Specifically, the Bank's funding is dominated by non-stable funding of Rp1.20 trillion, compared to Rp62.12 billion for the Bank's
stable funding.
- The Bank's stable to non-stable funding ratio is 5.16%.
● RSF:
- Total RSF increased by 2.21% compared to NSFR as of September 30, 2024.
- The increase in RSF came from other assets component by 55.13% and administrative accounts component by 11.06% compared to
NSFR as of September 30, 2024.
2024 Annual Report & Sustainability Report
281
Page 284
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Risiko Likuiditas
Liquidity Ratio
Tabel 38: Aset Terikat
Table 38: Encumbrance
a b c d
Aset yang disimpan atau
diperjanjikan dengan bank
Aset Terikat sentral namun belum digunakan Aset tidak terikat
untuk menghasilkan likuiditas Total
(Encumbered) (Unencumbered)
Assets held or contracted with the
central bank but not yet used to
generate liquidity
Kas - - 1,955 1,955
Cash
Penempatan pada BI
Placement in Bank Indonesia
GWM Primer - 404,603 - 404,603
Primary GWM
GWM RIM - - - -
RIM
GWM PLM - 262,729 - 262,729
PLM GWM
FASBI - - - -
Surat Berharga Pemerintah - - 2,547,384 2,547,384
Government Securities
Surat Berharga Korporasi - - - -
Corporate Securities
Reverse Repo 288,706 - - 288,706
Repo 299,886 - - 299,886
Analisis Kualitatif
Qualitative Analysis
a. Aset Terikat (Encumbered Asset) merupakan aset yang dimiliki oleh Bank, namun terbatasuntuk kebutuhan likuiditas secara legal
maupun kontraktual. Aset Terikat juga tidak termasuk aset yang disimpan atau diperjanjikan dengan Bank Indonesia yang belum
digunakan untuk menghasilkan likuiditas. Saat ini, Bank memiliki aset terikat yang terdiri dari Repo sebesar Rp 300 Miliar, Reverse
Repo sebesar Rp 289 Miliar (jangka waktu jatuh tempo rata-rata di bawah 1 bulan) dan Surat Berharga Pemerintah sebesar Rp2,55
triliun.
Encumbered Assets are assets owned by the Bank, but limited to legal or contractual liquidity needs. Encumbered Assets also do not
include assets deposited or agreed with Bank Indonesia that have not been used to generate liquidity. Currently, the Bank has tied
assets consisting of Repo of Rp300 billion, Reverse Repo of Rp289 billion (average maturity of less than 1 month) and Government
Securities of Rp2.55 trillion.
b. Bank memiliki aset yang disimpan atau diperjanjikan dengan Bank Indonesia berupa GWM Primer sebesar Rp 405 miliar dan GWM
PLM sebesar Rp263 miliar. Aset yang disimpan di Bank Indonesia tersebut belum digunakan untuk menghasilkan likuiditas namun
tetap diperhitungkan sebagai HQLA sebagaimana diatur dalam POJK Liquidity Coverage Ratio (LCR)
The Bank has assets deposited or agreed with Bank Indonesia in the form of Primary GWM amounting to Rp405 billion and PLM
GWM amounting to Rp263 billion. The assets deposited with Bank Indonesia have not been used to generate liquidity but are still
calculated as HQLA as stipulated in POJK Liquidity Coverage Ratio (LCR).
c. Aset Tidak Terikat merupakan aset yang memenuhi syarat sebagai HQLA sebagaimana diatur dalam POJK Liquidity Coverage Ratio
(LCR). Saat ini Bank memiliki aset tidak terikat berupa Kas dan Surat Berharga Pemerintah.
Unrestricted Assets are assets that qualify as HQLA as stipulated in POJK Liquidity Coverage Ratio (LCR). Currently the Bank has
unrestricted assets in the form of Cash and Government Securities.
282 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 285
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tabel 39 : LIQA - Manajemen Risiko Likuiditas
Table 39 : LIQA - Liquidity Risk Management
LIQA - Manajemen Risiko Likuiditas
LIQA - Liquidity Risk Management
Pengungkapan kualitatif
Qualitative disclosure
1. Tata kelola pengelolaan risiko likuiditas, termasuk: toleransi risiko; struktur dan tanggung jawab pengelolaan risiko likuiditas; pelaporan
likuiditas internal; dan komunikasi strategi, kebijakan dan praktik risiko likuiditas di seluruh lini bisnis dan dengan dewan direksi.
Liquidity risk management governance, 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.
a. Toleransi Risiko
Risk Tolerance
Bank menetapkan limit toleransi (risk tolerance) & risk appetiteRisiko Likuiditas yang konsisten dan relevan dengan bisnis serta
kompleksitas kegiatan usaha Bank. Limit tersebut meliputi antara lain limit Liquidity Coverage Ratio (LCR), limit Net Stable
Funding Ratio (NSFR), limit Rasio Intermediasi Makroprudensial (RIM), limit mismatch arus kas baik dalam jangka pendek
maupun jangka panjang termasuk arus kas yang berasal dari rekening administratif, limit konsentrasi pada aset dan kewajiban,
dan rasio-rasio likuiditas lainnya. Penetapan limit toleransi dilakukan agar Bank dapat mengelola likuiditas pada kondisi normal
maupun krisis. Penetapan besaran limit risk appetite dan risk tolerance diajukan oleh Satuan Kerja Manajemen Risiko (SKMR)
dan disetujui oleh Dewan Direksi dan Komisaris melalui Komite Manajemen Risiko (KMR). Apabila terjadi pelampauan limit, maka
Satuan Kerja Manajemen Risiko (SKMR) akan berkoordinasi dengan Unit Bisnis terkait untuk menyusun action plan.
The Bank sets tolerance limits (risk tolerance) & risk appetiteLiquidity Risk that is consistent and relevant to the business and
complexity of the Bank's business activities. These limits include, among others, Liquidity Coverage Ratio (LCR) limits, Net Stable
Funding Ratio (NSFR) limits, Macroprudential Intermediation Ratio (RIM) limits, cash flow mismatch limits both in the short
and long term including cash flows originating from administrative accounts, concentration limits on assets and liabilities, and
other liquidity ratios. Tolerance limits are determined so that the Bank can manage liquidity in normal and crisis conditions.
Determination of the risk appetite and risk tolerance limits is proposed by the Risk Management Work Unit (SKMR) and approved
by the Board of Directors and Commissioners through the Risk Management Committee (KMR). If the limit is exceeded, the Risk
Management Work Unit (SKMR) will coordinate with the relevant Business Unit to prepare an action plan.
b. Struktur dan Tanggung Jawab Pengelolaan Risiko Likuiditas
Liquidity Risk Management Structure and Responsibilities
Bank menetapkan struktur organisasi, perangkat dan kelengkapan unit
fungsi terkait dengan penerapan manajemen risiko untuk Risiko Likuiditas yang sesuai dengan karakteristik dan kompleksitas
kegiatan usaha Bank. Penanggung jawab dari pengelolaan Risiko Likuiditas adalah Unit Bisnis yang aktivitasnya terekspos
langsung oleh Risiko Likuiditas. Unit Bisnis tersebut selanjutnya dibantu oleh Enterprise, Operational and Market Risk (EOMR)
dengan memberikan masukan dan analisa yang objektif dalam proses identifikasi, pengukuran, pemantauan, dan pelaporan
Risiko Likuiditas secara independen. Dewan Direksi dan Komisaris bertanggung jawab untuk memastikan bahwa penerapan
manajemen Risiko Likuiditas telah sesuai dengan tujuan strategis, skala, karakteristik bisnis, dan profil Risiko Likuiditas Bank,
termasuk memastikan integrasi penerapan manajemen risiko untuk Risiko Likuiditas dengan risiko-risiko lainnya yang dapat
berdampak pada posisi likuiditas Bank.
The Bank establishes the organizational structure, tools and completeness of units
functions related to the implementation of risk management for Liquidity Risk in accordance with the characteristics and
complexity of the Bank's business activities. The person in charge of Liquidity Risk management is the Business Unit whose
activities are directly exposed to Liquidity Risk. The Business Unit is further assisted by Enterprise, Operational and Market Risk
(EOMR) by providing input and objective analysis in the process of identifying, measuring, monitoring and reporting Liquidity
Risk independently. The Board of Directors and Commissioners are responsible for ensuring that the implementation of Liquidity
Risk management is in accordance with the Bank's strategic objectives, scale, business characteristics, and Liquidity Risk profile,
including ensuring the integration of risk management implementation for Liquidity Risk with other risks that may impact the
Bank's liquidity position.
c. Pelaporan Likuiditas Internal dan Komunikasi Strategi
Internal Liquidity Reporting and Strategy Communication
2024 Annual Report & Sustainability Report
283
Page 286
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Bank memiliki Sistem Informasi Manajemen Risiko yang memadai dan andal untuk keperluan pelaporan terkait Risiko Likuiditas.
Secara umum, Bank telah menyampaikan dan melaporkan informasi terkait manajemen risiko untuk Risiko Likuiditas yang terdiri
dari: rasio-rasio likuiditas, arus kas dan profil maturitas, stress testing Likuiditas, Profil Risiko Likuiditas, serta informasi lainnya
yang terkait dengan posisi Likuiditas Bank dan kepatuhan Bank terhadap kebijakan dan prosedur Risiko Likuiditas. Seluruh
informasi disampaikan ke Unit Bisnis terkait serta Dewan Direksi dan Komisaris melalui kanal sistem informasi internal Bank
dan rapat Komite Manajemen Risiko (KMR) secara bulanan. Enterprise, Operational and Market Risk (EOMR) selanjutnya akan
berkoordinasi secara periodik dengan Unit Bisnis terkait yang mengelola Risiko Likuiditas jika terjadi pelampauan terhadap
kebijakan maupun limit untuk Risiko Likuiditas dan menyusun rencana aksi (action plan).
The Bank has an adequate and reliable Risk Management Information System for reporting purposes related to Liquidity Risk. In
general, the Bank has submitted and reported information related to risk management for Liquidity Risk consisting of: Liquidity
ratios, cash flow and maturity profile, Liquidity stress testing, Liquidity Risk Profile, and other information related to the Bank's
Liquidity position and the Bank's compliance with Liquidity Risk policies and procedures. All information is submitted to the
relevant Business Units as well as the Board of Directors and Commissioners through the Bank's internal information system
channels and monthly Risk Management Committee (KMR) meetings. Enterprise, Operational and Market Risk (EOMR) will then
coordinate periodically with the relevant Business Units that manage Liquidity Risk in the event of an exceedance of the policy or
limit for Liquidity Risk and develop an action plan.
d. Kebijakan dan Praktik Risiko Likuiditas di Seluruh Lini Bisnis dan dengan Dewan Direksi
Liquidity Risk Policies and Practices across Business Lines and with the Board of Directors
Dalam prakteknya, Unit Bisnis yang terekspos oleh Risiko Likuiditas akan menyampaikan informasi mengenai kondisi indikator
makroekonomi dan proyeksi bisnis melalui rapat Asset and Liability Committee (ALCO) serta dapat mengajukan besaran limit
dan toleransi risiko yang terkait dengan Risiko Likuiditas kepada Enterprise, Operational and Market Risk (EOMR) untuk dikaji
dan diajukan ke Komite Manajemen Risiko untuk mendapatkan persetujuan. Unit Bisnis terkait juga menyusun action plan,
mengembangkan risk culture yang kuat, serta menerapkan kebijakan dan prosedur manajemen risiko untuk Risiko Likuiditas
yang telah ditetapkan oleh Dewan Direksi. Selanjutnya Dewan Direksi akan memantau dan memastikan bahwa penerapan
manajemen risiko untuk Risiko Likuiditas telah berjalan sesuai dengan tujuan dan karakteristik Bank dengan dibantu oleh
Enterprise, Operational and Market Risk (EOMR).
In practice, Business Units exposed to Liquidity Risk will submit information on the condition of macroeconomic indicators and
business projections through Asset and Liability Committee (ALCO) meetings and may submit the amount of limits and risk
tolerance associated with Liquidity Risk to the Enterprise, Operational and Market Risk (EOMR) for review and submission to
the Risk Management Committee for approval. The relevant Business Unit also develops action plans, develops a strong risk
culture, and implements risk management policies and procedures for Liquidity Risk that have been determined by the Board of
Directors. Furthermore, the Board of Directors will monitor and ensure that the implementation of risk management for Liquidity
Risk has run in accordance with the objectives and characteristics of the Bank with the assistance of Enterprise, Operational and
Market Risk (EOMR).
2. Strategi pendanaan, termasuk kebijakan sumber diversifikasi dan tenor pendanaan, dan apakah strategi pendanaannya terpusat atau
terdesentralisasi.
Funding strategy, including diversification source policy and funding tenor, and whether the funding strategy is centralized or
decentralized.
Secara umum, Bank akan menyusun strategi pendanaan sebagai bagian dari upaya pengendalian Risiko Likuiditas. Strategi tersebut
mencakup strategi diversifikasi sumber dan jangka waktu pendanaan yang dikaitkan dengan karakteristik dan rencana bisnis Bank. Hal
ini tercantum dalam limit risiko Untuk Risiko Likuiditas terkait dengan konsentrasi pendanaan seperti konsentrasi Deposito terhadap
Total DPK, konsentrasi DPK special rate terhadap Total DPK, konsentrasi DPK Korporasi terhadap Total DPK, serta konsentrasi
Kewajiban Interbank.
In general, the Bank will develop a funding strategy as part of efforts to control Liquidity Risk. This strategy includes a strategy to
diversify sources and funding periods that are linked to the characteristics and business plans of the Bank. This is stated in the risk limit
for Liquidity Risk related to funding concentrations such as the concentration of Deposits to Total DPK, the concentration of special
rate DPK to Total DPK, the concentration of Corporate DPK to Total DPK, and the concentration of Interbank Liabilities.
284 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 287
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
3. Teknik mitigasi risiko likuiditas.
Liquidity risk mitigation techniques.
Bank melakukan mitigasi risiko likuiditas dengan cara memantau limit-limit risiko likuiditas yang telah ditetapkan oleh manajemen
Bank. Apabila limit tersebut mengalami pelampauan (breach), maka Enterprise, Operational and Market Risk (EOMR) berkordinasi
dengan Unit Bisnis Terkait untuk melakukan action plan.
The Bank mitigates liquidity risk by monitoring the liquidity risk limits set by the Bank's management. If the limit is breached, the
Enterprise, Operational and Market Risk (EOMR) will coordinate with the relevant Business Unit to conduct an action plan.
4. Penjelasan tentang bagaimana stress-test digunakan.
An explanation of how stress tests are used.
Stress Testing Likuiditas digunakan untuk mengetahui kemampuan Bank untuk memenuhi kebutuhan likuiditas dalam kondisi krisis
dengan menggunakan skenario stress test secara spesifik ( Bank specific scenario) maupun stress pada pasar (general market stress
scenario).
'Liquidity Stress Testing is used to determine the Bank's ability to meet liquidity needs in crisis conditions using Bank specific scenarios
and general market stress scenarios.
5. Garis besar rencana pendanaan mendesak bank.
Outline of the bank's urgent funding plan.
Dalam rangka pengendalian likuiditas dalam kondisi krisis, dibentuk suatu organisasi Business Continuity Management (BCM) yang
memiliki tugas dan tanggung jawab melakukan pemantauan secara continue mengenai kondisi likuiditas bank. Apabila kondisi
likuiditas bank berada dalam kriteria risiko high, maka Bank akan mengaktifkan Rencana Pendanaan Darurat.
'In order to control liquidity in crisis conditions, a Business Continuity Management (BCM) organization has been established with the
duty and responsibility to continuously monitor the bank's liquidity condition. If the bank's liquidity condition is within the high risk
criteria, the Bank will activate the Emergency Funding Plan.
6. 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 customized measurement tool or metric that assesses a bank's balance sheet structure or projected cash flows and future liquidity
position, taking into account administrative account transaction risks specific to that bank.
Pengukuran yang digunakan Bank dalam melakukan proyeksi arus kas yaitu dengan melihat kegiatan bisnis utama bank berdasarkan
pendekatan informasi bisnis, remaining maturity (contractual) maupun behavioral dalam on & off balance sheet. Selain itu, bank juga
melakukan Rencana Pendanaan
Penggunaan (RPP) dalam pengelolaan likuiditas jangka pendek.
'The measurement used by the Bank in making cash flow projections is by looking at the bank's main business activities based on
business information, remaining maturity (contractual) and behavioral approaches on & off balance sheet. In addition, the bank also
conducts a Funding
Utilization Plan (RPP) in managing short-term liquidity.
2024 Annual Report & Sustainability Report
285
Page 288
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Risiko Operasional
Operational Risk
Tabel 40 : Pengungkapan Risiko Operasional - Bank Secara Individu
Table 40: Operational Risk Disclosure - Bank Individually
Pendekatan Yang Digunakan Jumlah
No. Approach Total
1 Pendekatan Standar
Standard Approach
- Komponen Indikator Bisnis (KIB) 35,862.54
'- Components of Business Indicators (KIB)
- Faktor Pengali Kerugian Intern (FPKI) 1.00000000
'- Internal Loss Multiplier Factor (FPKI)
- Modal Minimum Risiko Operasional (MMRO) 35,862.54
'- Minimum Operational Risk Capital (MMRO)
- ATMR untuk Risiko Operasional 448,281.75
'- RWA for Operational Risk
Tabel 41 : Pengungkapan Kualitatif Umum
Table 41: General Qualitative Disclosures
Analisis Kualitatif
Qualitative Analysis
1. Bank telah mengimplementasikan kebijakan manajemen risiko sesuai dengan Peraturan Otoritas Jasa Keuangan Nomor 18/POJK.03/
2016 dan Surat Edaran OJK Nomor 34/SEOJK/032016 tentang Penerapan Manajemen Risiko Bagi Bank Umum serta mengacu juga
pada peraturan internal mengenai Kebijakan Manajemen Risiko.
Beberapa Kebijakan Internal yang terkait Manajemen Risiko Operasional diantaranya SK Manajemen Risiko Operasional; SE Kerangka
Kerja Manajemen Risiko; SK Komite Manajemen Risiko; SE Pedoman Penyusunan ATMR Risiko Operasional; SE Pedoman Penyusunan
Profil Risiko; SK Kewajiban Penyediaan Modal Minimum (KPMM) sesuai Profil Risiko; SK Kebijakan Risk Limit; SE Pengelolaan Risiko
Produk Bank; SE Risk Control & Self Assessment (RCSA); SE Key Risk Indicator (KRI); SE Prosedur dan Panduan Incident Reporting &
Management; SK Implementasi Responsible Person (RP) pada Masing-Masing Divisi; SK Crisis Management Plan (CMP); SK Business
Continuity Management (BCM); SK Business Continuity Plan (BCP); SE Prosedur dan Penyusunan BIA dan BCP Unit Kerja; dan SK
Kebijakan Risk Management Terkait Kegiatan Alih Daya.
Kebijakan Manajemen Risiko Operasional berperan sebagai panduan bagi Bank dalam mengelola Risiko Operasional yang melekat
pada berbagai aktivitas Operasional dan Bisnis Bank, terutama untuk menetapkan tanggung jawab, akuntabilitas, dan menyelaraskan
proses kerja. Harapannya, hal ini dapat mengurangi potensi kerugian yang disebabkan oleh gangguan proses internal, kesalahan
manusia, kegagalan sistem, dan/atau peristiwa-peristiwa eksternal, dengan mengantisipasi timbulya insiden/ kesalahan akibat
kurangnya pengelolaan Risiko Operasional yang efektif.
The Bank has implemented risk management policies in accordance with the Financial Services Authority Regulation Number 18/
POJK.03/ 2016 and OJK Circular Letter Number 34/SEOJK/032016 concerning the Implementation of Risk Management for
Commercial Banks and also refers to internal regulations regarding Risk Management Policies.
Some of the Internal Policies related to Operational Risk Management include Operational Risk Management Decree; Risk
Management Framework Decree; Risk Management Committee Decree; Operational Risk RWA Preparation Guidelines; Risk Profile
Preparation Guidelines; Minimum Capital Adequacy Decree (CAR) according to Risk Profile; Risk Limit Policy Decree; SE Bank Product
Risk Management; SE Risk Control & Self Assessment (RCSA); SE Key Risk Indicator (KRI); SE Incident Reporting & Management
Procedures and Guidelines; SK Responsible Person (RP) Implementation in Each Division; SK Crisis Management Plan (CMP); SK
Business Continuity Management (BCM); SK Business Continuity Plan (BCP); SE Procedures and Preparation of BIA and BCP Work
Units; and SK Risk Management Policies Related to Outsourcing Activities.
The Operational Risk Management Policy serves as a guide for the Bank in managing Operational Risk inherent in various Operational
and Business activities of the Bank, especially to assign responsibilities, accountabilities, and harmonize work processes. It is expected
to reduce potential losses caused by internal process disruptions, human errors, system failures, and/or external events, by anticipating
the occurrence of incidents/errors due to lack of effective Operational Risk management.
286 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 289
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Analisis Kualitatif
Qualitative Analysis
2. Dalam rangka meningkatkan efektivitas implementasi Manajemen Risiko Operasional, Bank telah memiliki Unit Kerja Enterprise,
Operational, and Market Risk (EOMR) yang salah satu fungsinya terkait Manajemen Risiko Operasional dan berada dibawah koordinasi
Satuan Kerja Manajemen Risiko dengan tugas dan tanggung jawab yang telah dirumuskan dengan jelas dan akuntabel. Unit Kerja ini
memiliki tugas membantu Direksi dalam mengelola Risiko Operasional, memantau proses pelaksanaan Manajemen Risiko Operasional
secara menyeluruh, memastikan kebijakan Manajemen Risiko Operasional berjalan pada seluruh tingkat Organisasi Bank. Dalam
pelaksanaannya Unit Kerja EOMR berkoordinasi dengan beberapa Unit Kerja pada setiap kesempatan seperti Unit Kerja Internal Audit,
Unit Kerja Cyber Risk, Unit Kerja Legal, Unit Kerja Kepatuhan serta Unit Kerja untuk membahas isu-isu Risiko Operasional yang kritikal
agar risiko-risiko tersebut dapat dimitigasi dan dikendalikan secara efektif sejak dini.
Untuk mendukung implementasi Kerangka Kerja Manajemen Risiko Operasional telah dibentuk 3 unsur penanggung jawab pengelola
di masing-masing Unit Kerja yang terdiri dari Risk Owner, Operational Risk Manager (Risk Specialist) dan Responsible Person (RP). Risk
Owner merupakan pemimpin tertinggi di Direktorat, Unit Kerja Bisnis dan unit kerja pendukung yang bertanggung jawab mengelola
Risiko Operasional di unit kerja yang dipimpinnya, termasuk memastikan dipatuhinya peraturan dalam pelaksanaan kegiatan bisnis,
operasional, dan transaksional. Operational Risk Manager (ORM) merupakan fungsi manajemen Risiko Operasional yang membantu
Risk Owner mengimplementasikan Kerangka Kerja Manajemen Risiko Operasional. Responsible Person (RP) bertugas membantu
Kepala Divisinya mengelola Risiko Operasional terutama dalam hal Pelaporan Kejadian Risiko (Incident Report), Risk & Control Self-
Assessment (RCSA), Key Risk Indicators (KRI) serta permasalahan risiko operasional lainnya yang tidak tercover pada area kerjanya.
In order to improve the effectiveness of Operational Risk Management implementation, the Bank has an Enterprise, Operational, and
Market Risk (EOMR) Work Unit, one of whose functions is related to Operational Risk Management and is under the coordination
of the Risk Management Work Unit with clearly defined and accountable duties and responsibilities. This Working Unit has the
task of assisting the Board of Directors in managing Operational Risk, monitoring the overall Operational Risk Management
implementation process, ensuring Operational Risk Management policies are implemented at all levels of the Bank's Organization. In
its implementation, the EOMR Work Unit coordinates with several Work Units on every occasion such as the Internal Audit Work Unit,
Cyber Risk Work Unit, Legal Work Unit, Compliance Work Unit and Work Units to discuss critical Operational Risk issues so that these
risks can be effectively mitigated and controlled early on.
To support the implementation of the Operational Risk Management Framework, 3 elements of responsible managers have been
established in each Work Unit consisting of Risk Owner, Operational Risk Manager (Risk Specialist) and Responsible Person (RP).
The Risk Owner is the highest leader in the Directorate, Business Unit and supporting work units who is responsible for managing
Operational Risk in the work unit he leads, including ensuring compliance with regulations in the implementation of business,
operational and transactional activities. Operational Risk Manager (ORM) is an Operational Risk management function that helps the
Risk Owner implement the Operational Risk Management Framework. The Responsible Person (RP) is tasked with assisting the Head
of the Division in managing Operational Risk, especially in terms of Incident Reporting, Risk & Control Self-Assessment (RCSA), Key
Risk Indicators (KRI) and other operational risk issues that are not covered in their work area.
2024 Annual Report & Sustainability Report
287
Page 290
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Analisis Kualitatif
Qualitative Analysis
3. Bank mengembangkan metodologi Manajemen Risiko Operasional dalam rangka penyempurnaan ORM tools yang telah ada. ORM
Tools adalah perangkat atau sistem yang dirancang untuk membantu Bank dalam mengidentifikasi, menilai, mengendalikan, dan
memantau Risiko Operasional. ORM Tools memiliki tiga modul yakni Risk Control Self Assessment (RCSA), Key Risk Indicator (KRI) dan
Incident Report. RCSA digunakan untuk membantu risk owner dalam melakukan proses manajemen risiko operasional yang mencakup
identifikasi dan pengukuran risiko operasional secara mandiri yang bersifat prediktif dan antisipatif. Selanjutnya, KRI adalah alat bantu
yang memberikan informasi sejak dini mengenai gejala maupun risiko yang trennya menunjukkan peningkatan. Sedangkan Incident
Report merupakan tools yang berfungsi sebagai database peristiwa risiko, yang digunakan untuk data pembelajaran Bank.
Bank juga membangun database peristiwa risiko, termasuk di dalamnya data kerugian karena risiko operasional, melalui modul
Incident Report. Hal ini merupakan bagian dari kegiatan Bank mendata Risk & Loss Event Data (RLED) yang akan digunakan di dalam
perhitungan Modal Risiko Operasional dan ATMR Risiko Operasional. Peristiwa yang dicatat meliputi Loss Event dan/atau Near Miss
Event. Kejadiannya dapat berasal dari kegiatan yang bersifat transaksional maupun non transaksional. Near Miss merupakan peristiwa
risiko yang nyaris menimbulkan kerugian finansial atau yang telah menimbulkan kerugian finansial namun kerugian tersebut sudah
recovery seluruhnya, dengan catatan pada saat pencatatan Incident Report peristiwa risiko sudah terselesaikan baik di hari yang sama
dengan peristiwa ataupun tidak, sedangkan Loss Event merupakan peristiwa risiko yang berdampak finansial atau hilangnya dana
Bank.
Insiden/peristiwa Risiko Operasional wajib dianalisis kronologi, penyebab, dan dampaknya untuk memperoleh informasi yang
lengkap dan komprehensif. Seluruh peristiwa risiko yang memiliki dampak kerugian finansial harus dicatat di dalam modul Incident
Report berapapun nilai kerugiannya. Terhadap Insiden Risiko yang telah dicatat Unit Kerja terkait memantau kerugian dari Loss Event
mengenai update setiap recovery kerugian sampai dengan final serta pembukuan kerugian final dalam buku Bank. Unit Kerja EOMR
akan merekonsiliasi Loss yang dicatat pada Incident Report Database dengan yang dicatat di GL Kerugian Bank./
The Bank developed an Operational Risk Management methodology in order to improve the existing ORM tools. ORM Tools are
devices or systems designed to assist the Bank in identifying, assessing, controlling, and monitoring Operational Risk. ORM Tools
have three modules, namely Risk Control Self Assessment (RCSA), Key Risk Indicator (KRI) and Incident Report. RCSA is used to assist
risk owners in carrying out the operational risk management process which includes identifying and measuring operational risks
independently which are predictive and anticipatory. Furthermore, KRI is a tool that provides early information on symptoms or risks
that show an increasing trend. Meanwhile, Incident Report is a tool that functions as a database of risk events, which is used for Bank
learning data.
The Bank also establishes a database of risk events, including data on losses due to operational risks, through the Incident Report
module. This is part of the Bank's activities in recording Risk & Loss Event Data (RLED) which will be used in calculating Operational
Risk Capital and Operational Risk RWA. The events recorded include Loss Events and/or Near Miss Events. The incidents can originate
from transactional or non-transactional activities. Near Miss is a risk event that almost caused a financial loss or has caused a financial
loss but the loss has been fully recovered, with the note that at the time of recording the Incident Report the risk event has been
resolved either on the same day as the event or not, while Loss Event is a risk event that has a financial impact or loss of Bank funds.
Operational Risk Incidents/Events must be analyzed for chronology, causes, and impacts to obtain complete and comprehensive
information. All risk events that have an impact on financial loss must be recorded in the Incident Report module regardless of the
value of the loss. For the Risk Incidents that have been recorded, the related Work Unit monitors the losses from the Loss Event
regarding updates on each loss recovery until the final and the final loss recording in the Bank's books. The EOMR Work Unit will
reconcile the Losses recorded in the Incident Report Database with those recorded in the Bank's Loss GL.
288 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 291
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Analisis Kualitatif
Qualitative Analysis
4. Satuan Kerja Manajemen Risiko (SKMR) khususnya Unit Kerja EOMR telah menerbitkan dan menyusun beberapa laporan kondisi
risiko-risiko yang terkait dengan Bank kepada jajaran Manajemen. Laporan-laporan ini dibuat dalam rangka mendukung kinerja unit
terkait melalui penyediaan data yang informatif, lengkap, dan terkini dalam rangka pengendalian risiko diantaranya Laporan Risk
Limit, Kewajiban Penyediaan Modal Minimum (KPMM), Penilaian Tingkat Kesehtan Bank, Risk & Loss Event Database (RLED), Risk &
Control Self Assessment (RCSA), Key Risk Indicator (KRI). Perhitungan Aset Tertimbang Menurut Risiko (ATMR) Operasional dengan
Menggunakan Pendekatan Indikator Dasar pada periode sebelumnya dan Perhitungan Aset Tertimbang Menurut Risiko (ATMR)
Operasional dengan Menggunakan Indikator Standar pada periode 2023 sesuai dengan SEOJK No 6/SEOJK.03/2022.
Di dalam Penilaian Tingkat Kesehatan Bank terdapat beberapa jenis risiko salah satunya Operasional dimana parameter-parameter
penilaian pada risiko inheren adalah Karakteristik dan Kompleksitas Bisnis, Sumber Daya Manusia, Teknologi Informasi dan
Infrastruktur Pendukung, Fraud dan Kejadian Eksternal. Parameter tersebut sesuai dengan Surat Edaran OJK terkait Penilaian Tingkat
Kesehatan Bank.
The Risk Management Work Unit (SKMR), especially the EOMR Work Unit, has published and compiled several reports on the
condition of risks related to the Bank to the Management. These reports are made in order to support the performance of related
units by providing informative, complete, and up-to-date data in order to control risks, including Risk Limit Reports, Minimum Capital
Adequacy Requirement (CAR), Bank Soundness Level Assessment, Risk & Loss Event Database (RLED), Risk & Control Self-Assessment
(RCSA), Key Risk Indicator (KRI). Calculation of Operational Risk-Weighted Assets (RWA) Using the Basic Indicator Approach in
the previous period and Calculation of Operational Risk-Weighted Assets (RWA) Using Standard Indicators in the 2023 period in
accordance with SEOJK No. 6/SEOJK.03/2022.
In the Bank Soundness Level Assessment, there are several types of risks, one of which is Operational where the assessment
parameters for inherent risk are Business Characteristics and Complexity, Human Resources, Information Technology and Supporting
Infrastructure, Fraud and External Events. These parameters are in accordance with the OJK Circular Letter regarding Bank Health
Level Assessment.
2024 Annual Report & Sustainability Report
289
Page 292
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Analisis Kualitatif
Qualitative Analysis
5. Bank senantiasa menyempurnakan implementasi Manajemen Risiko Operasional dengan meningkatkan kesadaran para Pegawai
terhadap risiko serta menyempurnakan Kebijakan dan Prosedur operasional Bank. Berbagai upaya ini ditujukan untuk memitigasi risiko
inheren dan terus meningkatkan sistem pengendalian khususnya terhadap Risiko Operasional. Bank juga terus-menerus meningkatkan
kesadaran risiko seluruh pegawainya melalui berbagai media termasuk diantaranya email blast dan sosialisasi secara langsung.
Bank dalam menentukan tingkat Risiko yang diambil, Toleransi Risiko, dan Strategi Bank secara keseluruhan selalu memperhatikan
kemampuan modal Bank untuk dapat menyerap eksposur risiko atau kerugian yang timbul berdasarkan pengalaman kerugian di
masa lalu, kemampuan sumber daya manusia, serta kepatuhan terhadap ketentuan internal dan eksternal yang berlaku. Bank telah
menetapkan Limit Risiko secara memadai sesuai sasaran strategis dan strategi bisnis Bank secara keseluruhan yang wajib dipatuhi
oleh seluruh lini organisasi, oleh karenanya Bank menerbitkan Kebijakan Risk Limit. Limit Risiko yang ditetapkan oleh Bank secara
berkala ditinjau ulang minimal satu tahun sekali untuk memastikan kesesuaiannya dengan arah dan strategi bisnis Bank.
Bank telah menerapkan Budaya Risiko (Risk Culture) antara lain dengan secara konsisten menerapkan proses identifikasi, pengukuran,
pemantauan, pengendalian dan pelaporan atas potensi kerugian yang dapat dialami Bank (Potential Loss), mencegah kejadian risiko
(Risk Event) dan meminimalkan kerugian Bank (Risk Loss). Kemudian melaksanakan proses identifikasi, pengukuran, pemantauan,
pengendalian dan pelaporan setiap jenis dan kelompok risiko yang dilakukan secara berkesinambungan. Budaya Manajemen Risiko
diinternalisasikan pada seluruh level Organisasi untuk mendorong konsistensi dan efektivitas Penerapan Manajemen Risiko Bank dan
merupakan tanggung jawab bersama seluruh karyawan di setiap lini organisasi.
Terdapat Product & Activity Forum yang secara rutin dilakukan untuk mengidentifikasi dan memitigasi risiko yang melekat pada produk
dan aktivitas baru. Untuk mempermudah proses mitigasi Risiko Produk oleh Product Owner dan unit-unit kerja yang terkait lainnya,
Bank telah menyusun Kebijakan Pengelolaan Risiko Produk Bank. Semua uang tunai yang dikelola oleh Bank telah diasuransikan,
jenis asuransi uang tunai pada Bank terdapat dalam Cash In Save (uang dalam khazanah utama) dan Cash In Transit (uang dalam
perjalanan).
Sebagai bentuk pengawasan aktif Dewan Direksi atas implementasi Kualitas Penerapan Manajemen Risiko yang salah satunya terkait
Risiko Operasional, Bank telah memiliki Komite Manajemen Risiko yang tujuan utamanya adalah untuk eskalasi dan pembahasan
risiko-risiko utama di Bank.
The Bank continuously improves the implementation of Operational Risk Management by increasing employee awareness of risk
and improving the Bank's operational policies and procedures. These efforts are aimed at mitigating inherent risk and continuously
improving the control system, especially for Operational Risk. The Bank also continuously improves the risk awareness of all its
employees through various media, including email blasts and direct socialization.
In determining the level of risk taken, risk tolerance, and overall bank strategy, the Bank always pays attention to the Bank's capital
capacity to absorb risk exposure or losses arising from past loss experience, human resource capacity, and compliance with
applicable internal and external provisions. The Bank has set adequate Risk Limits in accordance with the Bank's strategic targets and
overall business strategy that must be adhered to by all lines of the organization, therefore the Bank issues a Risk Limit Policy. The Risk
Limits set by the Bank are periodically reviewed at least once a year to ensure their compliance with the Bank's business direction and
strategy.
The Bank has implemented a Risk Culture, among others by consistently implementing the process of identification, measurement,
monitoring, control and reporting of potential losses that can be experienced by the Bank (Potential Loss), preventing risk events (Risk
Event) and minimizing Bank losses (Risk Loss). Then implementing the process of identification, measurement, monitoring, control
and reporting of each type and group of risks that are carried out continuously. Risk Management Culture is internalized at all levels
of the Organization to encourage consistency and effectiveness of the Implementation of Bank Risk Management and is a shared
responsibility of all employees at every level of the organization.
There is a Product & Activity Forum which is routinely held to identify and mitigate the risks inherent in new products and activities.
To facilitate the process of Product Risk mitigation by Product Owners and other related work units, the Bank has prepared a Bank
Product Risk Management Policy. All cash managed by the Bank has been insured, the type of cash insurance at the Bank is in Cash
In Save (money in the main treasury) and Cash In Transit (money in transit).
As a form of active supervision by the Board of Directors over the implementation of the Quality of Risk Management Implementation,
one of which is related to Operational Risk, the Bank has a Risk Management Committee whose main purpose is to escalate and
discuss the main risks in the Bank.
290 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 293
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Halaman ini sengaja di kosongkan
This page intentionally left blank
2024 Annual Report & Sustainability Report
291
Page 294
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Tata Kelola
Perusahaan
Perusahaan
yang
yang Baik
Baik
Good Corporate
Good Corporate
Governance
Governance
292 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 295
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
2024 Annual Report & Sustainability Report
293
Page 296
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Prinsip Dasar Basic Principles of
Penerapan Tata Kelola Implementing Good
Perusahaan yang Baik Corporate Governance
Komitmen dan Konsistensi Penerapan Commitment and Consistency of
Tata Kelola Perusahaan yang Baik Sustainable GCG Implementation
(Good Corporate Governance) Secara
Berkelanjutan
Allo Bank memandang bahwa kelangsungan Allo Bank believes that business continuity is
usaha tidak hanya ditentukan oleh kinerja determined not only by financial performance
keuangan semata, melainkan juga kinerja but also by strong daily operational performance.
operasional yang baik sehari-hari. Untuk To ensure that both business and operational
memastikan kinerja bisnis dan operasional performance run optimally, the Bank consistently
dapat berjalan secara optimal, maka Bank implements Good Corporate Governance (GCG)
senantiasa menerapkan Tata Kelola Perusahaan to foster healthy competition and a conducive
yang Baik atau Good Corporate Governance business climate. Recognizing the crucial role
(GCG) guna menciptakan persaingan yang of GCG in business and operations, the Bank
sehat dan iklim usaha yang kondusif. Mengingat strives to establish Good Corporate Governance
pentingnya peran implementasi GCG bagi practices as fundamental guidelines that
bisnis dan operasional, Bank berupaya untuk must be comprehensively applied across all
menempatkan praktik Tata Kelola Perusahaan levels of the organization, from the Board of
yang Baik sebagai pedoman dasar yang harus Commissioners and Board of Directors to all
dilakukan secara komprehensif di seluruh employees.
tingkat organisasi Bank, dimulai dari jajaran
Dewan Komisaris, Direksi, dan seluruh karyawan
di lingkungan bank.
Pada praktiknya Penerapan Tata Kelola In practice, the implementation of Good
Perusahaan yang Baik berperan sebagai Corporate Governance serves as a foundational
prinsip yang mendasari proses dan mekanisme principle guiding company management
pengelolaan perusahaan dengan tetap processes and mechanisms while adhering
mengacu kepada peraturan perundang- to applicable laws and regulations. Effective
undangan yang berlaku. Penerapan Tata Kelola and comprehensive GCG implementation is
Perusahaan yang Baik dan komprehensif juga also a key indicator for investors in assessing a
menjadi indikator penting bagi investor untuk company’s long-term prospects. Furthermore,
menilai sebuah perusahaan di masa depan. in the banking industry, Good Corporate
Terlebih, di industri perbankan, penerapan Governance acts as a fundamental pillar in
Tata Kelola Perusahaan yang Baik juga menjadi creating sustainable added value, enabling
landasan dan kebutuhan perusahaan dalam the company to navigate the evolving banking
menciptakan nilai tambah yang berkelanjutan, landscape, fostering a sound investment climate,
mendukung perusahaan dalam menghadapi and promoting financial inclusion.
dinamika industri perbankan, serta membentuk
fondasi iklim investasi yang sehat dan dapat
mendorong terciptanya inklusi keuangan.
294 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 297
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Sejalan dengan tujuan tersebut, Allo Bank senantiasa memperkuat Aligned with these objectives, Allo Bank continuously strengthens
dan meningkatkan penerapan Tata Kelola Perusahaan yang Baik and enhances the implementation of Good Corporate Governance
di seluruh aspek kegiatan usaha yang dijalankan. Hal tersebut across all aspects of its business activities. This commitment is
diwujudkan dengan antara lain melakukan review dan pengkinian demonstrated through regular reviews and updates of governance
kebijakan tata kelola sebagai salah satu wujud komitmen policies to ensure the consistent improvement of governance quality
peningkatan kualitas penerapan tata kelola yang baik di seluruh at all levels of the Bank’s organization.
lapisan organisasi Bank.
Penerapan Prinsip Tata Kelola Perusahaan Implementation of Corporate Governance Principles
Dalam menerapkan prinsip-prinsip Penerapan Tata Kelola In applying the principles of Good Corporate Governance, the
Perusahaan yang Baik, Bank mengacu pada 4 (empat) pilar Bank adheres to the four pillars outlined in the General Guidelines
sebagaimana diatur dalam Pedoman Umum Good Corporate for Good Corporate Governance (PUGKI) 2021, issued by the
Governance (PUGKI) Tahun 2021 yang dikeluarkan oleh Komite National Committee for Governance Policy (KNKG). The principles
Nasional Kebijakan Governance (KNKG) dengan rincian sebagai are as follows:
berikut:
Perilaku Beretika (Etika) Dalam melaksanakan kegiatannya korporasi senantiasa mengedepankan kejujuran, memperlakukan semua
Ethics pihak dengan hormat, memenuhi komitmen, membangun serta menjaga nilai-nilai moral dan kepercayaan
secara konsisten. Korporasi memperhatikan kepentingan pemegang saham dan pemangku kepentingan
lainnya berdasarkan asas kewajaran dan kesetaraan dan dikelola secara independen sehingga masing-masing
organ perusahaan tidak saling mendominasi dan tidak dapat diintervensi oleh pihak lain.
In conducting its activities, the company prioritizes honesty, treats all parties with respect, fulfills commitments,
and consistently upholds moral values and trust. The company considers the interests of shareholders and
other stakeholders based on the principles of fairness and equality and operates independently to ensure that
no corporate entity dominates another or is subject to external intervention.
Transparansi Untuk menjaga objektivitas dalam menjalankan bisnis, perusahaan menyediakan informasi yang material
Transparency dan relevan dengan cara yang mudah untuk diakses dan dipahami oleh pemangku kepentingan. Korporasi
mengambil inisiatif untuk mengungkapkan tidak hanya masalah yang disyaratkan oleh peraturan perundang-
undangan, tetapi juga hal yang penting untuk pengambilan keputusan oleh pemegang saham, kreditur, dan
pemangku kepentingan lainnya.
To maintain objectivity in business operations, the company provides material and relevant information in
a manner that is easily accessible and understandable for stakeholders. It proactively discloses not only
information mandated by laws and regulations but also other significant matters that may influence decision-
making by shareholders, creditors, and other stakeholders.
Akuntabilitas Korporasi dapat mempertanggungjawabkan kinerjanya secara transparan dan wajar. Untuk itu Korporasi harus
Accountability dikelola secara benar, terukur dan sesuai dengan kepentingan korporat dengan tetap memperhitungkan
kepentingan pemegang saham dan pemangku kepentingan. Akuntabilitas merupakan prasyarat yang
diperlukan untuk mencapai kinerja yang berkelanjutan.
The corporation is responsible for ensuring that its performance is transparent and fair. To achieve this, it
must be managed properly, with measurable processes, and in alignment with corporate interests, while also
considering the rights of shareholders and stakeholders. Accountability is a crucial prerequisite for achieving
sustainable performance.
Keberlanjutan Korporasi mematuhi peraturan perundang-undangan serta berkomitmen melaksanakan tanggung jawab
Sustainability terhadap masyarakat dan lingkungan agar berkontribusi pada pembangunan berkelanjutan melalui kerjasama
dengan semua pemangku kepentingan terkait untuk meningkatkan kehidupan mereka dengan cara yang
selaras dengan kepentingan bisnis dan agenda Pembangunan berkelanjutan.
The Corporation complies with all applicable laws and regulations and remains committed to fulfilling its
responsibilities toward society and the environment. It aims to contribute to sustainable development by
collaborating with relevant stakeholders to enhance their quality of life in a manner that aligns with business
interests and the Sustainable Development agenda.
Dasar Penerapan Tata Kelola Perusahaan yang Baik Basis for Implementation of Good Corporate
Governance
Penerapan GCG yang komprehensif di seluruh aktivitas Allo Bank The comprehensive implementation of GCG in all Allo Bank activities
mengacu kepada beberapa peraturan yang dikeluarkan oleh is based on several government and regulatory provisions, including:
pemerintah dan regulator antara lain:
2024 Annual Report & Sustainability Report
295
Page 298
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Undang-Undang: Laws:
1. Undang-undang Republik Indonesia No. 10 tahun 1998 tentang 1. Law of the Republic of Indonesia No. 10 of 1998 concerning
perubahan atas Undang-undang No. 7 tahun 1992 tentang amendments to Law No. 7 of 1992 concerning Banking.
Perbankan.
2. Undang-Undang Republik Indonesia No. 40 tahun 2007 2. Law of the Republic of Indonesia No. 40 of 2007 concerning
tentang Perseroan Terbatas Limited Liability Companies.
Peraturan Otoritas Jasa Keuangan: Financial Services Authority Regulations:
1. Peraturan Otoritas Jasa Keuangan No. 21/POJK.04/2015 1. Financial Services Authority Circular Letter No. 32/
tentang Penerapan Pedoman Tata Kelola Perusahaan Terbuka. SEOJK.04/2015 concerning Guidelines for Public Company
Governance.
2. Peraturan Otoritas Jasa Keuangan No. 31/POJK.04/2015 2. Financial Services Authority Circular Letter No. 13/
tentang Keterbukaan atas Informasi atau Fakta Material oleh SEOJK.03/2017 concerning Implementation of Governance
Emiten atau Perusahaan Publik. for Conventional Bank.
3. Peraturan Otoritas Jasa Keuangan No. 4/POJK.03/2016 3. Financial Services Authority Circular Letter No. 14/
tentang Penilaian Tingkat Kesehatan Bank Umum. SEOJK.03/2017 concerning Assessment of the Soundness
Level of Conventional Bank.
4. Peraturan Otoritas Jasa Keuangan No. 46/POJK.03/2017 4. Financial Services Authority Regulation No. 46/POJK.03/2017
tentang Pelaksanaan Fungsi Kepatuhan Bank Umum. concerning Implementation of Compliance Function of
Conventional Bank.
5. Peraturan Otoritas Jasa Keuangan No. 37/POJK.03/2019 5. Financial Services Authority Regulation No. 37/POJK.03/2019
tentang Transparansi dan Publikasi Laporan Bank. concerning Transparency and Publication of Bank Reports.
6. Peraturan Otoritas Jasa Keuangan Republik Indonesia No. 17 6. Financial Services Authority Regulation of the Republic of
Tahun 2023 tentang Penerapan Tata Kelola Bagi Bank Umum. Indonesia No. 17 of 2023 concerning Implementation of
Governance for Conventional Bank.
Surat Edaran Otoritas Jasa Keuangan Circular Letter of the Financial Services Authority
1. Surat Edaran Otoritas Jasa Keuangan No. 32/SEOJK.04/2015 1. Financial Services Authority Circular Letter No. 32/
tentang Pedoman Tata Kelola Perusahaan Terbuka. SEOJK.04/2015 concerning Guidelines for Public Company
Governance.
2. Surat Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 2. Financial Services Authority Circular Letter No. 13/
tentang Penerapan Tata Kelola Bagi Bank Umum. SEOJK.03/2017 concerning Implementation of Governance
for Conventional Bank.
3. Surat Edaran Otoritas Jasa Keuangan No. 14/SEOJK.03/2017 3. Financial Services Authority Circular Letter No. 14/
tentang Penilaian Tingkat Kesehatan Bank Umum. SEOJK.03/2017 concerning Assessment of Conventional
Bank Sound Level.
Lainnya: Others:
1. Ketentuan lainnya yang terkait dengan Pasar Modal. 1. Other provisions related to the Capital Market.
2. Pedoman Umum GCG Indonesia, Komite Nasional Kebijakan 2. General Guidelines for GCG Indonesia, National Committee
Governance. for Governance Policy.
3. Anggaran Dasar Allo Bank 3. Allo Bank Articles of Association.
Tujuan Penerapan Tata Kelola Perusahaan yang Baik Objectives of Implementing Good Corporate
Governance
Implementasi prinsip-prinsip GCG di lingkungan Bank secara The consistent and continuous implementation of GCG principles
konsisten dan berkesinambungan bertujuan untuk: within the Bank aims to:
1. Mendorong peningkatan kualitas pengelolaan bank yang sehat, 1. Encouraging improvement in the quality of sound bank
berdasarkan prinsip kehati-hatian dan beretika, yang dapat management, based on prudential and ethical principles,
meningkatkan daya saing bank. which can enhance bank competitiveness.
2. Mengoptimalkan nilai perusahaan bagi Pemegang Saham 2. Optimizing company value for Shareholders while still paying
dengan tetap memperhatikan kepentingan lainnya. attention to other interests.
296 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 299
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Perkembangan Development of Good
Penerapan Tata Kelola Corporate Governance
Perusahaan yang Baik Implementation
Perkembangan GCG Allo Bank di Development of Allo Bank’s GCG in
Tahun 2024 2024
Dalam rangka meningkatkan kinerja Bank, To improve performance, protect stakeholder
melindungi kepentingan para pemangku interests, and enhance compliance with laws
kepentingan, serta meningkatkan kepatuhan and regulations, Allo Bank remains committed
terhadap peraturan perundang-undangan, to strengthening the implementation of good
Allo Bank berkomitmen untuk terus and sustainable governance in its business
memperkuat implementasi tata kelola yang and operational processes by upholding
baik dan berkelanjutan pada proses bisnis Environmental, Social, and Governance (ESG)
dan operasional dengan mendukung prinsip- principles. The Bank also continues to reinforce
prinsip Environmental, Social, and Governance its business foundation by implementing GCG,
(ESG). Allo Bank juga terus memperkuat fondasi establishing a reliable system, developing
bisnis melalui penerapan GCG, sistem yang human resources in alignment with the Bank’s
andal, memenuhi sumber daya manusia yang business plan, and adapting to technological
sesuai dengan arah rencana bisnis Bank, serta advancements and evolving business dynamics.
menyesuaikan seluruh usaha sesuai dengan
perkembangan teknologi dan dinamika bisnis
yang terjadi.
Di samping itu, Bank juga berkomitmen untuk Additionally, the Bank is committed to
menerapkan praktik tata kelola perusahaan yang implementing GCG practices by improving
baik dengan menyempurnakan implementasi governance implementation within its
GCG di lingkungan Bank. Peningkatan kualitas environment. The improvements in governance
pelaksanaan tata kelola yang dilakukan Bank quality carried out by the Bank in 2024 include,
pada tahun 2024, antara lain: among others:
1. Komposisi susunan pengurus Bank telah 1. The composition of the Bank’s management
terpenuhi sesuai ketentuan perundang- has been fulfilled in accordance with
undangan yang berlaku dan seluruh Dewan applicable laws and regulations and all
Komisaris serta Direksi telah lulus Penilaian Board of Commissioners and Directors
Kemampuan dan Kepatutan. have passed the Fit and Proper Test.
2. Direksi dan Dewan Komisaris telah 2. The Board of Directors and Board of
melaksanakan tugas dan tanggung Commissioners have carried out their duties
jawabnya secara independen. and responsibilities independently.
3. Setiap keputusan hasil rapat Direksi 3. Decisions made by the Board of Directors
dan Dewan Komisaris dilakukan secara and Board of Commissioners are reached
musyawarah untuk mufakat. Direksi through deliberation and consensus. They
dan Dewan Komisaris melakukan rapat conduct joint meetings in accordance with
gabungan sesuai dengan ketentuan yang applicable provisions and the Bank’s needs.
berlaku dan kebutuhan Bank
4. Direksi dan Dewan Komisaris Bank 4. The Board of Directors and Board of
telah melaksanakan tugasnya dan Commissioners have fulfilled their duties
menyelenggarakan rapat baik secara and held both individual and joint meetings
tersendiri maupun gabungan sesuai as required and have also properly
dengan ketentuan yang berlaku dan documented the minutes of each meeting.
mengadministrasikan setiap dokumen
notulen Rapat tersebut.
2024 Annual Report & Sustainability Report
297
Page 300
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
5. Pelaksanaan tugas dan tanggung jawab Direksi khususnya 5. The Board of Directors has adequately implemented its
dalam pelaksanaan dan prinsip GCG telah memadai. Hal ini responsibilities, particularly in upholding GCG principles. This
tercermin dari kelengkapan perangkat satuan kerja kepatuhan, is reflected in the completeness of the compliance work unit,
satuan kerja manajemen risiko, satuan kerja audit internal (SKAI), risk management work unit, internal audit work unit (SKAI),
satuan kerja anti fraud, satuan kerja cyber risk, satuan kerja anti-fraud work unit, cyber risk work unit, and credit risk work
credit risk. Serta terdapat komite untuk mendukung kinerja unit. Additionally, committees supporting the Board of Directors
Direksi yaitu: Komite Pengarah Teknologi Informasi, Komite include the Information Technology Steering Committee,
Kebijakan Perkreditan, Komite Produk dan Proses Penerbitan Credit Policy Committee, Product and Process Issuance
Produk atau Aktivitas Baru, Komite Manajemen Risiko, Komite Committee (New Activities), Risk Management Committee,
Kredit, Komite Aset dan Liabilitas (ALCO), dan Komite Sumber Credit Committee, Asset and Liability Committee (ALCO), and
Daya Manusia. Human Resources Committee.
6. Dewan Komisaris secara berkala dan intensif melakukan 6. The Board of Commissioners regularly and actively monitors the
pemantauan terhadap kinerja Direksi dan memberikan saran performance of the Board of Directors and provides suggestions
serta masukan yang disampaikan melalui Rapat. and recommendations through Meetings.
7. Komposisi Komite di bawah Dewan Komisaris, yaitu Komite 7. The composition of the Audit Committee, Risk Oversight
Audit, Komite Pemantau Risiko, serta Komite Remunerasi dan Committee, and Remuneration and Nomination Committee,
Nominasi terpenuhi sesuai dengan ketentuan yang berlaku, which operate under the Board of Commissioners, is in
serta seluruh anggotanya telah diangkat berdasarkan rapat accordance with applicable regulations, and all members have
Dewan Komisaris dan dievaluasi setiap akhir tahun buku. been appointed based on Board of Commissioners meetings
and undergo evaluation at the end of each financial year.
8. Secara umum, pelaksanaan tugas dan tanggung jawab Fungsi 8. In general, the implementation of the duties and responsibilities
Kepatuhan berjalan baik dalam melakukan pengawasan kepatuhan of the Compliance Function is effectively supervising business
bisnis dan operasional pada seluruh jenjang organisasi Bank, and operational compliance at all levels of the organization,
seperti memberikan opini kepatuhan terhadap produk dan/atau such as providing compliance opinions on new products,
aktivitas baru serta kebijakan dan prosedur Bank. activities, policies, and procedures.
9. Bank dalam penyusunan Rencana Bisnis Bank (RBB) melibatkan 9. The Bank Business Plan (RBB) is developed with the involvement
seluruh jajaran organisasi bank dengan mempertimbangkan of all organizational levels while considering the Annual Work
Rencana Kerja tahunan setiap fungsi/unit kerja. Plan of each function/work unit.
10. Pencapaian RBB menggambarkan pertumbuhan Bank yang 10. The RBB achievements demonstrate the Bank’s sustainable
berkesinambungan. growth.
11. Bank menindaklanjuti komitmen terhadap seluruh temuan 11. The Bank follows up on commitments to all audit findings from
audit baik temuan audit internal dan eksternal. both internal and external audits.
12. Bank melakukan pengembangan struktur organisasi. 12. The Bank continuously enhances its organizational structure.
13. Penandatanganan Kode Etik dilakukan oleh seluruh karyawan 13. All employees sign the Code of Ethics, and compliance with
dan dimonitoring secara berkala untuk dapat memastikan it is monitored periodically to ensure adherence.
bahwa seluruh karyawan Allo menandatangani Kode Etik.
14. Bank memiliki program pengembangan dan pelatihan karyawan 14. The Bank has an employee development and training program
dengan mempertimbangkan kebutuhan pelatihan bagi pegawai that considers the training needs of employees at all levels of
di seluruh jenjang organisasi dan unit kerja, seperti menerapkan the organization and work units, including the implementation
program Induction Training bagi seluruh karyawan baru. of an Introduction Training program for all new employees.
15. Bank senantiasa melakukan penilaian atas kebutuhan Sumber 15. The Bank continuously assesses Human Resources (HR) needs,
Daya Manusia (SDM) dan terus berupaya untuk memastikan ensuring that positions within the organizational structure are
bahwa posisi dalam struktur organisasi terpenuhi dengan SDM filled with competent and reliable personnel.
yang kompeten dan handal.
16. Bank melakukan pengkinian kebijakan internal secara berkala 16. Internal policies are updated regularly to align with applicable
dengan memperhatikan ketentuan dan peraturan perundang- laws and regulations.
undangan yang berlaku.
17. Infrastruktur untuk memberikan akses perbankan optimal dimana 17. The Bank provides optimal banking access through the Allo
Bank mendayagunakan aplikasi mobile banking Allo Bank. Bank mobile banking application.
18. Kapasitas teknologi dan data terkini dimana Allo Bank menjalin 18. The Bank adopts advanced technology and data capabilities,
kemitraan teknologi strategis khususnya terkait kapabilitas Agile establishing strategic technology partnerships focused on
Banking termasuk AI & Machine Learning, Blockchain, Cloud Agile Banking, AI & Machine Learning, Blockchain, Cloud
Computing, dan Big Data. Computing, and Big Data.
19. Bank memiliki Sertifikasi ISO 27001, IT Maturity Level COBIT 19. The Bank has obtained ISO 27001 Certification, IT Maturity
2019 dan Sertifikasi IT Service Management. Level COBIT 2019, and IT Service Management Certification.
20. Proses pemberian kredit telah dilaksanakan sesuai dengan 20. The credit granting process is carried out in accordance with
ketentuan dan perundang-undangan yang berlaku. applicable laws and regulations.
298 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 301
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Penilaian Penerapan Assessment of Good
Tata Kelola Perusahaan Corporate Governance
yang Baik Implementation in 2024
Dasar Penilaian dan Metode Basis of Assessment and Methods
Sebagai upaya peningkatan dan perbaikan To enhance and improve GCG implementation,
penerapan GCG dan dengan berlandaskan and in accordance with OJK Regulation No.
kepada Peraturan OJK No. 17 Tahun 2023 tentang 17 of 2023 concerning the Implementation
Penerapan Tata Kelola bagi Bank Umum dan of Governance for Conventional Bank and
Surat Edaran Otoritas Jasa Keuangan No. 13/ Financial Services Authority Circular Letter
SEOJK.03/2017 tentang Penerapan Tata Kelola No. 13/SEOJK.03/2017, banks are required
Bagi Bank Umum, Bank harus melakukan penilaian to conduct comprehensive self-assessments
sendiri (self assessment) secara komprehensif every semester. These assessments help in
setiap semester agar dapat menetapkan rencana formulating follow-up plans, including corrective
tindak lanjut yang meliputi tindakan korektif actions if necessary, based on 11 assessment
(apabila diperlukan) dengan memperhatikan 11 factors, namely:
(sebelas) faktor penilaian yaitu:
1. Pelaksanaan tugas dan tanggung jawab 1. Implementation of the duties and
Direksi; responsibilities of the Board of Directors;
2. Pelaksanaan tugas dan tanggung jawab 2. Implementation of the duties and
Dewan Komisaris; re s p o n s i b i l i t i e s o f t h e B o a rd o f
Commissioners;
3. Kelengkapan dan pelaksanaan tugas 3. Completeness and implementation of
komite; committee duties;
4. Penanganan benturan kepentingan; 4. Handling of conflicts of interest;
5. Penerapan fungsi kepatuhan; 5. Implementation of compliance functions;
6. Penerapan fungsi audit internal; 6. Implementation of internal audit functions;
7. Penerapan fungsi audit eksternal; 7. Implementation of external audit functions;
8. Penerapan manajemen risiko termasuk 8. Implementation of risk management
sistem pengendalian internal; including internal control systems;
9. Penyediaan dana kepada pihak terkait 9. Provision of funds to related parties and
(related party) dan penyediaan dana besar provision of large exposure funds;
(large exposure);
10. Transparansi kondisi keuangan dan non 10. Transparency of the Bank’s financial and
keuangan Bank, laporan pelaksanaan tata non-financial conditions, reports on the
kelola dan pelaporan internal; dan implementation of governance and internal
reporting; and
11. Rencana strategis Bank. 11. The Bank’s strategic plan.
Penilaian Sendiri (Self Assessment) Self-Assessment of the
Penerapan Tata Kelola Perusahaan Implementation of Good Corporate
yang Baik (Good Corporate Governance in 2024
Governance) Tahun 2024
Pada tahun 2024, Bank telah melakukan In 2024, the Bank conducted a self-assessment
penilaian sendiri (self assessment) terhadap of its GCG implementation, carried out internally
penerapan GCG yang dilakukan oleh pihak using a comprehensive and structured
internal dengan mempertimbangkan berbagai approach, which include governance structure,
faktor penilaian secara komprehensif dan governance process, and governance outcome.
terstruktur, yang mencakup governance
structure, governance process, dan governance
outcome.
2024 Annual Report & Sustainability Report
299
Page 302
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Adapun hasil penilaian penerapan GCG Bank pada Semester I dan The results of the Bank’s GCG implementation assessment in
Semester II tahun 2024 adalah sebagai berikut: Semester I and Semester II of 2024 are as follows:
Semester I
Kriteria Bobot Rating Nilai Keterangan
No. Criteria Weight Rating Grade Description
Pelaksanaan Tugas dan Tanggung Jawab Direksi
Baik
1. Implementation of Duties and Responsibilities of the Board of 20% 1,83 0,37
Good
Directors
Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris
Baik
2. Implementation of Duties and Responsibilities of the Board of 10% 1,76 0,18
Good
Commissioners
Kelengkapan dan Pelaksanaan Tugas Komite Baik
3. 10% 1,92 0,19
Completeness and Implementation of Committee Duties Good
Penanganan Benturan Kepentingan Baik
4. 10% 2,00 0,20
Handling Conflict of Interest Good
Penerapan Fungsi Kepatuhan Bank Baik
5. 5% 2,11 0,11
Implementation of Bank Compliance Function Good
Penerapan Fungsi Audit Intern Baik
6. 5% 1,93 0,10
Implementation of Internal Audit Function Good
Penerapan Fungsi Audit Ekstern Baik
7. 5% 2,00 0,10
Implementation of External Audit Function Good
Penerapan Manajemen Risiko termasuk Sistem Pengendalian
Baik
8. Intern 7,50% 1,99 0,15
Good
Implementation of Risk Management including Internal Control
Penyediaan Dana kepada Pihak Terkait (Related Party) dan
Baik
9. Penyediaan Dana Besar (Large Exposure) 7,50% 2,31 0,17
Good
Provision of Funds to Related Parties and Large Exposure
Transparansi Kondisi Keuangan dan Non Keuangan, Laporan
Pelaksanaan Tata Kelola dan Pelaporan Internal Baik
10. 15% 2,19 0,33
Transparency of Financial and Non-Financial Conditions, Good
Governance Implementation Reports and Internal Reporting
Rencana Strategis Bank Baik
11. 5% 2,05 0,10
Bank Strategic Plan Good
Peringkat Komposit Baik
1,99
Composite Rating Good
300 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 303
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Semester II
Kriteria Bobot Rating Nilai Keterangan
No. Criteria Weight Rating Grade Description
Pelaksanaan Tugas dan Tanggung Jawab Direksi
Baik
1. Implementation of Duties and Responsibilities of the Board of 20% 1,78 0,36
Good
Directors
Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris
Baik
2. Implementation of Duties and Responsibilities of the Board of 10% 1,76 0,18
Good
Commissioners
Kelengkapan dan Pelaksanaan Tugas Komite Baik
3. 10% 1,92 0,19
Completeness and Implementation of Committee Duties Good
Penanganan Benturan Kepentingan Baik
4. 10% 2,00 0,20
Handling Conflict of Interest Good
Penerapan Fungsi Kepatuhan Bank Baik
5. 5% 2,11 0,11
Implementation of Bank Compliance Function Good
Penerapan Fungsi Audit Intern Baik
6. 5% 1,93 0,10
Implementation of Internal Audit Function Good
Penerapan Fungsi Audit Ekstern Baik
7. 5% 2,00 0,10
Implementation of External Audit Function Good
Penerapan Manajemen Risiko termasuk Sistem Pengendalian
Baik
8. Intern 7,50% 1,99 0,15
Good
Implementation of Risk Management including Internal Control
Penyediaan Dana kepada Pihak Terkait (Related Party) dan
Cukup Baik
9. Penyediaan Dana Besar (Large Exposure) 7,50% 2,50 0,19
Fairly Good
Provision of Funds to Related Parties and Large Exposure
Transparansi Kondisi Keuangan dan Non Keuangan, Laporan
Pelaksanaan Tata Kelola dan Pelaporan Internal Baik
10. 15% 2,19 0,33
Transparency of Financial and Non-Financial Conditions, Good
Governance Implementation Reports and Internal Reporting
Rencana Strategis Bank Baik
11. 5% 2,05 0,10
Bank Strategic Plan Good
Peringkat Komposit Baik
1,99
Composite Rating Good
Maka sebagaimana diuraikan di atas, penerapan Good Corporate As outlined above, the overall implementation of Good Corporate
Governance di Allo Bank secara umum adalah “BAIK”. Sebagaimana Governance at Allo Bank is classified as “GOOD”, reflecting the
tercermin dalam pemenuhan yang memadai atas prinsip-prinsip Bank’s strong adherence to GCG principles.
Good Corporate Governance.
2024 Annual Report & Sustainability Report
301
Page 304
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Penerapan dan
Kesesuaian atas Implementation and
Compatibility of Public
Pedoman Tata Kelola Company Governance
Perusahaan Terbuka Guidelines
Komitmen Allo Bank terhadap Tata Kelola Allo Bank’s commitment to Good Corporate
Perusahaan yang Baik (Good Corporate Governance (GCG) is reflected in a series of
Governance) tercermin dalam serangkaian operational policies and procedures that are
kebijakan dan prosedur operasional yang consistently applied in daily activities. The
secara konsisten diterapkan dalam seluruh Bank also has internal GCG implementation
kegiatan sehari-hari.Bank secara internal juga guidelines that outline the key aspects,
telah memiliki pedoman pelaksanaan GCG principles, and recommendations of Good
yang mana pedoman tersebut memuat terkait Corporate Governance. These guidelines are
aspek, prinsip, dan rekomendasi Tata Kelola designed to ensure that every element of GCG
Perusahaan yang Baik. Pedoman ini dirancang is met and sustained over time.
untuk memastikan bahwa setiap aspek dari
praktik GCG dipenuhi dan berkelanjutan.
Allo Bank selaku perusahaan yang berstatus As a publicly listed company, Allo Bank
perusahaan publik senantiasa melaksanakan consistently implements and complies with all
dan mematuhi seluruh peraturan perundang- applicable laws and regulations. The Bank is
undangan yang berlaku. Bank juga berupaya also committed to creating added value for
untuk menciptakan nilai tambah bagi pemegang shareholders and stakeholders by ensuring that
saham dan para pemangku kepentingan all business activities adhere to the principles of
dengan menekankan seluruh kegiatan usahanya transparency, accountability, and fair information
pada prinsip-prinsip transparansi, akuntabilitas, disclosure as a guide for business entities.
dan penyampaian informasi yang wajar sebagai Additionally, the Bank remains attentive to the
pegangan bagi entitas usaha. Bank juga rights of all shareholders, particularly minority
senantiasa memperhatikan hak pemegang shareholders, who require special consideration
saham tanpa terkecuali, khususnya pemegang in accordance with public company governance
saham minoritas yang harus menjadi perhatian standards.
dari perusahaan publik terkait.
Struktur Tata Kelola Good Corporate
Perusahaan yang Baik Governance Structure
Sesuai dengan Undang-Undang No. 40 In accordance with Law No. 40 of 2007
Tahun 2007 tentang Perseroan Terbatas, Bank concerning Limited Liability Companies, the
memiliki struktur tata kelola perusahaan yang Bank’s corporate governance structure consists
terdiri dari 3 (tiga) organ utama, yaitu Rapat of 3 (three) main organs, namely the General
Umum Pemegang Saham (RUPS), Dewan Meeting of Shareholders (GMS), the Board of
Komisaris, dan Direksi. Commissioners, and the Board of Directors.
RUPS merupakan forum tertinggi di perusahaan, The GMS is the highest forum in the company,
sedangkan keberadaan Dewan Komisaris dan while the Board of Commissioners and the
Direksi merupakan pengejawantahan dari Board of Directors represent the embodiment
sistem kepengurusan perusahaan dua badan of the two-tier corporate management system.
302 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 305
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
(two-tier system). Dewan Komisaris juga bertindak sebagai pengawas The Board of Commissioners also acts as a supervisor and advisor,
dan pengarah, sementara Direksi bertindak sebagai pengurus while the Board of Directors is responsible for the company’s daily
perusahaan sehari-hari. management.
Dalam menjalankan tugasnya, Dewan Komisaris turut dibantu oleh In carrying out its duties, the Board of Commissioners is assisted
Komite Dewan Komisaris yang dibentuk untuk membantu dan by the Board of Commissioners Committees, which are established
meningkatkan fungsi pengawasan yang dijalankan oleh Dewan to support and enhance the supervisory function performed by
Komisaris, yaitu Komite Audit, Komite Pemantau Risiko, dan Komite the Board of Commissioners. These committees include the Audit
Remunerasi dan Nominasi. Sementara, dalam melaksanakan Committee, Risk Oversight Committee, and Remuneration and
tugasnya untuk mengelola dan mengendalikan operasional bisnis Nomination Committee. Meanwhile, in executing its responsibilities
serta bertanggung jawab atas implementasi GCG di Bank, Direksi to manage and oversee business operations and ensure the
turut dibantu oleh sejumlah Komite di bawah Direksi, yaitu Komite implementation of Good Corporate Governance (GCG) within the
Pengarah Teknologi Informasi, Komite Kebijakan Perkreditan, Komite Bank, the Board of Directors is supported by several committees
Produk dan Proses Penerbitan Produk atau Aktivitas Baru, Komite under its authority. These include the Information Technology
Manajemen Risiko, Komite Kredit, Komite Aset dan Liabilitas (ALCO), Steering Committee, Credit Policy Committee, Product and
dan Komite Sumber Daya Manusia. Selain itu, Direksi juga dibantu Process Committee for Issuing New Products or Activities, Risk
oleh organ pendukung lain yang bersifat struktural, yaitu Corporate Management Committee, Credit Committee, Asset and Liability
Secretary & PMO dan Satuan Kerja Audit Internal (SKAI). Committee (ALCO), and Human Resources Committee. Additionally,
the Board of Directors is supported by other structural units, such
as the Corporate Secretary & PMO and the Internal Audit Work
Unit (SKAI).
RUPS
GMS
Dewan Komisaris Direksi
Board of Commissioners Director
Komite Audit Komite Asset dan Liabilitas Sekretaris Perusahaan
Audit Committee Asset & Liability Committee
dan PMO
Corporate Secretary and PMO
Komite Pemantau Risiko Komite Kredit
Risk Oversight Committee Credit Committee
Satuan Kerja Audit Internal
Internal Audit Working Unit
Komite Remunerasi Komite Kebijakan Perkreditan
& Nominasi Credit Policy Committee
Remuneration &
Nomination Committee
Komite Manajemen Risiko
Risk Management Committee
Komite Pengarah Teknologi
Informasi
IT Steering Committee
Komite Produk
Product Committee
2024 Annual Report & Sustainability Report
303
Page 306
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Rapat Umum
Pemegang Saham General Meeting of Shareholders
Struktur Pemegang Saham Shareholders Structure
Rapat Umum Pemegang Saham (RUPS) The General Meeting of Shareholders (GMS)
merupakan organ tertinggi dalam struktur is the highest organ within Allo Bank’s GCG
GCG Allo Bank yang berfungsi sebagai structure, serving as the Bank’s ultimate
pengambil keputusan tertinggi dalam Bank, decision-making authority. It holds powers
dan memiliki wewenang yang tidak dimiliki beyond those of the Board of Commissioners
oleh Dewan Komisaris ataupun Direksi. RUPS and the Board of Directors. The GMS also
juga merupakan sarana bagi para pemegang serves as a platform for shareholders to make
saham untuk mengambil keputusan penting dan important and strategic decisions regarding the
strategis terkait keberlanjutan jangka panjang long-term sustainability of the Bank, considering
Bank, dengan memperhatikan ketentuan the provisions of the Articles of Association
Anggaran Dasar dan peraturan perundang- and applicable laws and regulations. These
undangan yang berlaku, termasuk menyetujui decisions include approving amendments to
perubahan Anggaran Dasar, menyetujui laporan the Articles of Association, approving annual
tahunan dan membagikan dividen. RUPS juga reports, and determining dividend distributions.
memiliki wewenang untuk menunjuk dan Additionally, the GMS has the authority to
memberhentikan anggota Dewan Komisaris appoint and dismiss members of the Board of
dan Direksi, mendelegasikan wewenang Commissioners and Board of Directors, delegate
kepada Dewan Komisaris dan Direksi serta authority to the Board of Commissioners and
mengambil keputusan terkait tindakan Bank Board of Directors, make decisions related to
yang membutuhkan persetujuan pemegang the Bank’s actions that require shareholder
saham. consent.
Dasar Hukum Penyelenggaraan RUPS Legal Basis for Holding GMS
Dalam menyelenggarakan RUPS, Bank In holding the GMS, the Bank adheres to the
senantiasa mengacu kepada sejumlah peraturan following legal provisions:
perundang-undangan, antara lain: 1. Law No. 40 of 2007 concerning Limited
1. Undang-Undang No. 40 Tahun 2007 Liability Companies.
tentang Perseroan Terbatas.
2. Peraturan Otoritas Jasa Keuangan No. 2. Financial Services Authority Regulation No.
15/POJK.04/2020 tentang Perencanaan 15/POJK.04/2020 concerning Planning
dan Pelaksanaan Rapat Umum Pemegang and Implementation of General Meetings of
Saham Perusahaan Publik. Shareholders of Public Companies.
3. Peraturan Otoritas Jasa Keuangan No. 16/ 3. Financial Services Authority Regulation
POJK.04/2020 tentang Pelaksanaan Rapat No. 16/POJK.04/2020 concerning the
Umum Pemegang Saham Perusahaan Electronic Implementation of General
Publik Secara Elektronik. Meetings of Shareholders of Public
Companies.
Hak Pemegang Saham dalam RUPS Rights of the Shareholders at the GMS.
Pemegang saham memiliki sejumlah hak dalam Shareholders have a number of rights in
pelaksanaan RUPS sesuai ketentuan yang implementing the GMS in accordance with
berlaku, di antaranya: applicable regulations, including:
1. Pemegang saham berhak untuk hadir 1. Shareholders have the right to attend the
dalam RUPS baik sendiri maupun diwakili GMS either alone or represented based on
berdasarkan surat kuasa. Pemegang saham a power of attorney. Shareholders who are
304 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 307
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
yang berhak hadir dalam RUPS adalah pemegang saham yang entitled to attend the GMS are shareholders whose names are
namanya tercatat dalam daftar pemegang saham Bank 1 (satu) recorded in the Bank’s shareholder register 1 (one) working day
hari kerja sebelum pemanggilan RUPS. before the invitation to the GMS.
2. Pemegang saham berhak memperoleh informasi mata acara 2. Shareholders have the right to obtain information on the GMS
RUPS dan bahan terkait mata acara RUPS sepanjang tidak agenda and materials related to the GMS agenda as long as it
bertentangan dengan kepentingan Bank. does not conflict with the interests of the Bank.
3. Pemegang saham atau kuasa mereka berhak untuk mengajukan 3. Shareholders or their proxies have the right to ask questions
pertanyaan dan/atau menyatakan pendapat/tanggapan and/or express opinions/responses in connection with the GMS
sehubungan dengan mata acara RUPS dan hal-hal lain yang agenda and other matters related to the relevant GMS agenda
berhubungan mata acara RUPS yang bersangkutan sebelum before a decision is made.
diadakan pengambilan keputusan.
4. Pemegang saham berhak mengeluarkan suara dalam RUPS. 4. Shareholders have the right to vote at the GMS. Each share
Tiap saham memberi hak kepada pemegangnya untuk gives the holder the right to cast 1 (one) vote. If a shareholder
mengeluarkan 1 (satu) suara. Apabila seorang pemegang saham owns more than 1 (one) share, then he is only asked to vote 1
memiliki lebih dari 1 (satu) saham, maka ia hanya diminta untuk (one) time and his vote represents all the shares he owns or
memberikan suara 1 (satu) kali dan suaranya itu mewakili seluruh represents.
saham yang dimilikinya atau diwakilinya.
Jenis-Jenis RUPS Types of GMS
Allo Bank memiliki 2 (dua) jenis RUPS, yakni RUPS Tahunan (RUPST) Allo Bank has 2 (two) types of GMS, namely the Annual GMS
dan RUPS Luar Biasa (RUPSLB). RUPST dapat diadakan sebanyak 1 (AGMS) and Extraordinary GMS (EGMS). The AGM can be held 1
(satu) kali dalam setahun, sementara RUPSLB dapat diadakan kapan (one) time a year, while the EGMS can be held at any time based
saja berdasarkan kebutuhan Bank. Seluruh hasil dan keputusan on the Bank’s needs, where all GMS results and decisions will
yang dicapai dalam RUPS selanjutnya akan diterapkan secara wajar be implemented fairly and transparently. However, the GMS and
dan transparan. Meski demikian, RUPS dan pemegang saham shareholders are not authorized to intervene in the implementation
tidak berwenang untuk melakukan intervensi dalam pelaksanaan of the duties, functions and authority of the Board of Commissioners
tugas, fungsi, dan otoritas Dewan Komisaris dan Direksi dalam and Directors in carrying out their obligations and exercising their
menjalankan kewajibannya dan menggunakan haknya sesuai rights in accordance with the Articles of Association and applicable
dengan Anggaran Dasar dan peraturan yang berlaku. regulations.
Penyelenggaraan RUPS Tahun 2024 GMS Implementation in 2024
Di tahun 2024, Bank telah menyelenggarakan RUPS sebanyak 1 Throughout 2023, Allo Bank has held 1 GMS consisting of 1 (one)
(satu) kati yang terdiri dari 1 (satu) kali RUPS Tahunan. Bank telah Annual GMS. The Bank has appointed independent parties, namely
menunjuk sejumlah pihak independen, seperti notaris, konsultan Notaries, Legal Consultants and Securities Administration Bureaus
hukum, dan Biro Administrasi Efek untuk melakukan perhitungan to carry out calculations and/or validation and voting at the GMS.
dan/atau validasi dan pengambilan suara dalam RUPS. Adapun The details of the meeting along with the agenda and follow-up
rincian rapat beserta agenda dan tindak lanjut keputusan RUPS decisions can be seen as follows:
di tahun 2024 dapat dilihat sebagai berikut:
RUPS Tahunan tanggal 31 Mei 2024
Annual GMS on May 31, 2024
Hari/Tanggal Jumat, 31 Mei 2024
Day/Date Friday, May 31, 2024
Waktu 14.22 - 15.37 WIB
Time 14:22 – 15:37 (Western Indonesia Time)
Tempat Auditorium Menara Bank Mega Lantai 3
Venue Auditorium Menara Bank Mega 3rd Floor
2024 Annual Report & Sustainability Report
305
Page 308
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Kehadiran Dewan Komisaris | Board of Commissioners
Attendance Komisaris Utama Independen | Independent President Commissioner : Aviliani
Komisaris Independen | Independent Commissioner : Rosmaya
Komisaris | Commissioner : Ali Gunawan
Direksi | Board of Directors
Direktur Utama | President Director : Indra Utoyo
Direktur | Director : Ari Yanuanto Asah
Direktur | Director : Arief Tendeas
Direktur | Director : Ganda Raharja Rusli
Direktur | Director : Sajal Bhatnagar
Jumlah Pemegang Saham Kehadiran Para Pemegang Saham
yang Bertanya
Number of Shareholders Who Dengan memperhatikan daftar pemegang saham per tanggal 7 Mei 2024, RUPS Tahunan telah dihadiri
Asked Questions atau diwakili oleh para pemegang saham yang memiliki 19.943.980.501 saham atau 91,78% dari jumlah
saham dengan hak suara yang sah yang telah dikeluarkan oleh Perseroan yang seluruhnya berjumlah
21.730.256.442 saham.
RUPS Tahunan dipimpin oleh Aviliani selaku Komisaris Utama Independen. Dalam setiap pembahasan
agenda RUPS Tahunan, para pemegang saham telah diberikan kesempatan untuk menyampaikan
pandangannya dan/atau pertanyaan terkait dengan usulan agenda yang dibahas dalam RUPS Tahunan.
Walaupun terdapat satu pertanyaan terkait laporan keuangan Perseroan, tidak ada pemegang saham
yang menyampaikan pendapatnya pada saat pembahasan setiap agenda yang diusulkan dalam RUPST.
Keputusan atas keseluruhan agenda RUPS Tahunan diambil berdasarkan musyawarah untuk mufakat.
Presence of Shareholders
Taking into account the list of shareholders as of May 7, 2024, the Annual GMS was attended or
represented by shareholders holding 19,943,980,501 shares or 91,78% of the total shares with valid
voting rights issued by the Company, which amounted to 21,730,256,442 shares in total.
The Annual GMS is chaired by Aviliani as Independent Main Commissioner. In each discussion of the
Annual GMS agenda, shareholders have been given the opportunity to express their views and/ or
questions related to the proposed agenda discussed at the Annual GMS. Even though there was one
question regarding the Company’s financial statements, no shareholders expressed their opinions during
the discussion of any proposed agenda at the AGMS. Decisions on the entire agenda of the Annual GMS
are taken based on deliberation to reach consensus.
Informasi Ketidakhadiran Seluruh Dewan Komisaris serta Direksi hadir dalam RUPS.
Dewan Komisaris dan Direksi All of the Board of Commissioners and Board of Directors were present at the GMSs.
dalam RUPS
Information on Attendance of
the Board of Commissioners
and Directors at the GMS
Tahapan pelaksanaan RUPS Tahunan tanggal 31 Mei 2024 adalah The stages for implementing the Annual GMS on May 31, 2024
sebagai berikut: are as follows:
Kegiatan Tanggal Keterangan
Activity Date Description
Pengumuman RUPS Tahunan 23 April 2024 Pengumuman pelaksanaan RUPS Tahunan kepada Pemegang
Annual GMS Announcement April 23, 2024 Saham melalui website PT Bursa Efek Indonesia (www.idx.co.id),
situs web Bank (www.allobank.com) dan situs website eASY.KSEI
melalui https://akses.ksei.co.id
Announcement of the implementation of the Annual GMS to
Shareholders via the PT Bursa Efek Indonesia website (www.idx.
co.id), the Bank website (www.allobank.com) and the eASY.KSEI
website via https://akses.ksei.co. id
306 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 309
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Kegiatan Tanggal Keterangan
Activity Date Description
Pemanggilan RUPS Tahunan 8 Mei 2024 Pemanggilan RUPS Tahunan kepada Pemegang Saham melalui
Invitation to the Annual GMS May 8, 2024 website PT Bursa Efek Indonesia (www.idx.co.id), situs web Bank
(www.allobank.com) dan situs website eASY.KSEI melalui https://
akses.ksei.co.id
Invitation to the Annual GMS to Shareholders via the PT Bursa
Efek Indonesia website (www.idx.co.id), the Bank website (www.
allobank.com) and the eASY.KSEI website via https://akses.ksei.
co.id
Publikasi Ringkasan Risalah RUPS Tahunan 4 Juni 2024 Pemberitahuan publikasi Ringkasan Risalah RUPS Tahunan
Publication of Summary of Annual GMS June 4, 2024 kepada Masyarakat melalui website PT Bursa Efek Indonesia
Minutes (www.idx.co.id), situs web Bank (www.allobank.com) dan situs
website eASY.KSEI melalui https://akses.ksei.co.id
Notification of the publication of the Summary of Annual GMS
Minutes to the Public via the PT Bursa Efek Indonesia website
(www.idx.co.id), the Bank website (www.allobank.com) and the
eASY.KSEI website via https://akses.ksei.co.id
Hasil Keputusan RUPS telah dituangkan dalam Akta Berita Acara The results of the GMS Decisions have been stated in the Deed
RUPS Tahunan No. 04 tanggal 31 Mei 2024. Seluruh keputusan of Minutes of the Annual GMS No. 04 dated May 31, 2024. All
dalam RUPS dilakukan dengan musyawarah mufakat. Adapun hasil decisions at the GMS were made by deliberation and consensus.
keputusan RUPS serta pelaksanaannya dan tindak lanjutnya oleh The results of the GMS decisions as well as their implementation
Manajemen Bank hingga akhir tahun 2024 adalah sebagai berikut: and follow-up by Bank Management until the end of 2024 are
as follows:
Mata Acara Rapat dan Keputusannya serta Tindak Lanjut atas Hasil Keputusan Rapat
Meeting Agenda and Decisions, as well as Follow-up on Meeting Resolutions
Agenda Mata Acara 1
First Meeting Agenda
Persetujuan dan Pengesahan Laporan Tahunan Perseroan untuk Tahun Buku yang Berakhir pada tanggal 31 Desember 2023, yang terdiri
dari:
1. Laporan Pengurus Perseroan;
2. Laporan Keuangan Perseroan; dan
3. Laporan Pengawasan Dewan Komisaris Perseroan.
Approval and Ratification of the Company’s Financial Report for the Fiscal Year Ending December 31, 2024, consisting of:
1. Report of the Company’s Management;
2. Financial Report of the Company; and
3. Supervisory Report of the Company’s Board of Commissioners.
Keputusan Mata Acara 1
Decision of the First Meeting Agenda
Pengambilan Keputusan Dengan Pemungutan Suara
Decision Making
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
19.943.970.461 saham 10.040 saham atau Nihil 19.943.980.501 saham
atau 99,9999497% 0,0000503% Nil atau 100,0000000%
19,943,970,461 shares 10,040 shares or 19,943,980,501 shares or
or 99.9999497% 0.0000503% 100,0000000%
2024 Annual Report & Sustainability Report
307
Page 310
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
1. Menerima baik dan menyetujui Laporan Tahunan Direksi 1. Receive and approve the Directors’ Report regarding the
mengenai pengurusan Perseroan selama tahun 2023 dan management of the Company for the 2023 fiscal year and the
Laporan Pengawasan Dewan Komisaris untuk tahun buku yang Board of Commissioners’ Supervision Report for the fiscal year
berakhir pada tanggal 31 Desember 2023. ending December 31, 2023.
2. Menerima dan mengesahkan Laporan Keuangan untuk Tahun 2. Receive and approve the Financial Report for the Fiscal Year
Buku yang berakhir pada tanggal 31 Desember 2023 yang ending December 31, 2023 which includes the Balance Sheet
termasuk didalamnya Neraca dan perhitungan Laba-Rugi and Profit and Loss calculations which have been audited by
yang telah diaudit Kantor Akuntan Publik Amir Abadi Jusuf, the Public Accounting Firm Amir Abadi Jusuf, Aryanto, Mawar &
Aryanto, Mawar & Rekan dengan laporannya No. 00011/2.1030/ Rekan & Partners with report No. 00011/2.1030/AU.1/07/1298-
AU.1/07/1298-1/1/I/2024 tanggal 29 Januari 2024. 1/1/I/2024 dated January 29, 2024
3. Memberikan pelunasan dan pembebasan tanggung jawab 3. Provide full repayment and release of responsibility to members
sepenuhnya kepada para anggota Direksi dan Dewan Komisaris of the Board of Directors and Board of Commissioners for the
atas pengurusan dan pengawasan yang telah dijalankan management and supervision that has been carried out during
selama tahun buku 2023 sepanjang tindakan-tindakan tersebut the 2023 fiscal year as long as these actions are reflected in the
tercermin dalam Laporan Keuangan tersebut. Financial Report.
Agenda Mata Acara 2
Second Meeting Agenda
Penetapan Penggunaan Laba Bersih Perseroan untuk Tahun Buku yang berakhir pada tanggal 31 Desember 2023.
Determination of the Use of the Company’s Net Profit for the Fiscal Year ending December 31, 2023.
Keputusan Mata Acara 2
Decision of the Second Meeting Agenda
Pengambilan Keputusan Dengan Pemungutan Suara
Decision Making By Voting
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
19.943.980.501 Nihil Nihil 19.943.980.501
saham atau Nil Nil saham atau
100,0000000% 100,0000000%
19,943,980,501 shares 19,943,980,501 shares or
or 100,0000000% 100,0000000%
Menetapkan seluruh Laba bersih Perseroan tahun buku 2023 yaitu Determining the entire Net Profit of the Company for the 2023 Fiscal
sebesar Rp444.566.134.304,- (empat ratus empat puluh empat year, namely IDR IDR444,566,134,304 (four hundred and forty four
milyar lima ratus enam puluh enam juta seratus tiga puluh empat ribu billion five hundred and sixty six million one hundred and thirty four
tiga ratus empat rupiah) digunakan sebagai berikut: thousand three hundred and four rupiah) is used as follows:
1. sebesar Rp6.134.304,- (enam juta seratus tiga puluh empat ribu 1. An amount of IDR6,134,304 (six million one hundred thirty four
tiga ratus empat rupiah) disisihkan sebagai dana cadangan guna thousand three hundred and four rupiah) is set aside as reserve
memenuhi ketentuan Pasal 70 UUPT; dan funds to fulfill the provisions of Article 70 of the Company Law;
And
2. sisanya sebesar Rp444.560.000.000,- (empat ratus empat 2. The remaining IDR444,560,000,000 (four hundred and forty
puluh empat milyar lima ratus enam puluh juta rupiah) akan four billion five hundred and sixty million rupiah) will be recorded
dibukukan sebagai laba ditahan. as retained earnings.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2024: Follow-up on the Results of Meeting Resolutions Until End of
2024:
Bank telah menetapkan penggunaan laba bersih sesuai dengan The Bank has determined the use of net profit in accordance
hasil keputusan Rapat Umum Pemegang Saham Tahunan dalam with the results of the decision of the Annual General Meeting of
pembukuan keuangan Bank. Shareholders in the Bank’s financial books.
308 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 311
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Agenda Mata Acara 3
Third Meeting Agenda:
Laporan Direksi atas Rencana Kerja (Business Plan) Perseroan Tahun 2024 dan Laporan Rencana Aksi Keuangan Berkelanjutan.
The Board of Directors’ Report on the Company’s Business Plan for 2024 and Report on the Sustainable Financial Action Plan.
Untuk mata acara Rapat Ketiga ini tidak mengambil keputusan Rapat karena sifatnya hanya untuk dikomunikasikan kepada para Pemegang
Saham.
For the agenda of the Third Meeting, no resolutions are made at the Meeting because they are only intended to be communicated to
Shareholders.
Agenda Mata Acara 4
Fourth Meeting Agenda
Penunjukkan Kantor Akuntan Publik yang Akan Melakukan Audit atas Laporan Keuangan Perseroan untuk Tahun Buku 2024.
Appointment of a Public Accounting Firm that will audit the Company’s Financial Report for the 2024 Financial Year.
Keputusan Mata Acara 4
Fourth Meeting Agenda:
Pengambilan Keputusan Dengan Pemungutan Suara
Decision Making By Voting
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
19.943.970.461 saham 10.040 saham atau Nihil 19.943.970.461 saham
atau 99,9999497% 0,0000503% Nil atau 99,9999497%
19,943,970,461 shares 10,040 shares or 19,943,970,461 shares or
or 99.9999497% 0.0000503% 99.9999497%
Memberikan wewenang dan kuasa kepada Dewan Komisaris Granting authority and power to the Board of Commissioners to
untuk menunjuk Kantor Akuntan Publik yang terdaftar di Otoritas appoint a Public Accounting Firm registered with the Financial
Jasa Keuangan, yang akan melakukan audit terhadap keuangan Services Authority, which will conduct an audit of the Company’s
Perseroan tahun buku 2024 dengan memperhatikan rekomendasi finances for the 2024 financial year by taking into account the
dari Komite Audit untuk mendapatkan auditor dengan kualitas dan recommendations from the Audit Committee to obtain an auditor
harga terbaik. with the best quality and price.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2024: Follow-up on the Results of Meeting Resolutions Until End of
2024:
Penunjukan Kantor Akuntan Publik Amir Abadi Jusuf, Aryanto, The appointment of Public Accounting Firm Amir Abadi Jusuf,
Mawar & Rekan telah dilakukan oleh Dewan Komisaris dengan Aryanto, Mawar & Partners has been carried out by the Board of
memperhatikan rekomendasi dari Komite Audit dan telah dilaporkan Commissioners taking into account recommendations from the
kepada OJK melalui Surat No. 146/DIR-OPT-REG/24 tertanggal Audit Committee and has been reported to the OJK through Letter
6 November 2024 perihal Laporan Penunjukan Akuntan Publik No. 146/DIR-OPT-REG/24 dated November 6, 2024 concerning
dan/atau Kantor Akuntan Publik dalam rangka Audit atas informasi the Report on the Appointment of Public Accountants and/or Public
keuangan historis tahunan pada PT Allo Bank Indonesia Tbk. Accounting Firms to audit the annual historical financial information
of PT Allo Bank Indonesia Tbk.
2024 Annual Report & Sustainability Report
309
Page 312
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Agenda Mata Acara 5
Fifth Meeting Agenda:
Laporan dan Pertanggungjawaban Realisasi Penggunaan Dana Hasil Penawaran Umum.
Report and Accountability for the Realization of the Use of Funds from the Public Offering.
Keputusan Mata Acara 5
Decision of Fifth Meeting Agenda
Pengambilan Keputusan Dengan Pemungutan Suara
Decision Making By Voting
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
19.943.980.501 Nihil Nihil 19.943.980.501
saham atau Nil Nil saham atau
100,0000000% 100,0000000%
19,943,980,501 shares 19,943,980,501 shares or
or 100,0000000% 100,0000000%
Menerima dan menyetujui Laporan dan Pertanggungjawaban Receive and approve the Company’s Report and Accountability for
Perseroan atas Realisasi Penggunaan Dana Hasil Penawaran Umum the Realization of the Use of Funds from the Public Offering for the
untuk posisi per tanggal Rapat. position as of the Meeting date.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2024: Follow-up on the Results of Meeting Resolutions Until End of
2024:
Bank telah mempertanggungjawabkan realisasi penggunaan dana The Bank has been responsible for the realization of the use of
hasil penawaran umum termasuk pelaporannya kepada OJK melalui funds from the public offering including reporting it to the OJK via
Sarana Pelaporan Elektronik sesuai dengan ketentuan dalam POJK Electronic Reporting Means in accordance with the provisions in
No. 30/POJK.04/2015 tentang Laporan Realisasi Penggunaan Dana POJK No. 30/ POJK.04/2015 concerning Report on the Realization
Hasil Penawaran Umum. of Use of Funds from the Public Offering.
Agenda Mata Acara 6
Sixth Meeting Agenda
Pengangkatan Pengurus Perseroan.
The Appointment of Company Management
Keputusan Mata Acara 6
Decision of Sixth Meeting Agenda
Pengambilan Keputusan Dengan Pemungutan Suara
Decision Making By Voting
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
19.943.980.501 Nihil Nihil 19.943.980.501
saham atau Nil Nil saham atau
100,0000000% 100,0000000%
19,943,980,501 shares 19,943,980,501 shares or
or 100,0000000% 100,0000000%
310 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 313
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
1. Mengangkat kembali seluruh anggota Dewan Komisaris dan 1. Reappoint all members of the Board of Commissioners and
anggota Direksi Perseroan dengan susunan sebagai berikut: members of the Board of Directors of the Company with the
following composition:
Dewan Komisaris Board of Commissioners
Komisaris Utama Independen : Aviliani Independent President Commissioner : Aviliani
Komisaris Independen : Rosmaya Independent Commissioner : Rosmaya
Komisaris : Ali Gunawan Commissioner : Ali Gunawan
Direksi Board of Directors
Direktur Utama : Indra Utoyo President Director : Indra Utoyo
Direktur : Ari Yanuanto Asah Director : Ari Yanuanto Asah
Direktur : Arief Tendeas Director : Arief Tendeas
Direktur : Ganda Raharja Rusli Director : Ganda Raharja Rusli
Direktur : Sajal Bhatnagar Director : Sajal Bhatnagar
Pengangkatan kembali tersebut berlaku efektif terhitung sejak The reappointment is effective from the time this Meeting is
saat Rapat ini ditutup sampai dengan Rapat Umum Pemegang closed until the Annual General Meeting of Shareholders held in
Saham Tahunan yang diselenggarakan pada tahun 2027 (dua 2027 (two thousand twenty seven), without reducing the right of
ribu dua puluh tujuh), dengan tidak mengurangi hak Rapat the General Meeting of Shareholders to dismiss him at any time.
Umum Pemegang Saham untuk memberhentikannya sewaktu-
waktu.
2. Menyetujui pemberian kuasa kepada Direksi Perseroan 2. Approve the granting of power of authority to the Company’s
untuk menyatakan keputusan Rapat ini dalam akta notaris Board of Directors to state the decisions of this Meeting in a
dan melaporkan pengangkatan kembali seluruh anggota notarial deed and report the reappointment of all members of
Dewan Komisaris dan Direksi Perseroan kepada instansi yang the Company’s Board of Commissioners and Board of Directors
berwenang. to the competent authority.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2024: Follow-up on the Results of Meeting Resolutions Until End of
2024:
Telah Dituangkan melalui Akta Berita Acara Rapat Umum Pemegang It has been stated in the Deed of Minutes of the Annual General
Saham Tahunan No. 4 tanggal 31 Mei 2024 di hadapan Dharma Meeting of Shareholders No. 4 dated May 31, 2024 before Dharma
Akhyuzi S.H., Notaris di Jakarta dan telah diimplementasikan. Akhyuzi S.H., Notary in Jakarta and has been implemented.
Agenda Mata Acara 7
Seventh Meeting Agenda
Penetapan Honorarium dan Tunjangan Lainnya Bagi Direksi dan Dewan Komisaris Perseroan untuk Tahun 2024, serta Pembagian Tugas
dan Wewenang Direksi.
Determination of Honorarium and Other Allowances for the Company’s Board of Directors and Board of Commissioners for the Year 2024,
as well as Division of Duties and Authorities of the Board of Directors.
Keputusan Mata Acara 7
Decision of the seventh meeting Agenda
Pengambilan Keputusan Dengan Pemungutan Suara
Decision Making By Voting
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
19.943.970.461 saham 10.040 saham atau Nihil 19.943.980.501
atau 99,9999497% 0,0000503% Nil saham atau
19,943,970,461 shares 10,040 shares or 100,0000000%
or 99.9999497% 0.0000503% 19,943,980,501 shares or
100,0000000%
2024 Annual Report & Sustainability Report
311
Page 314
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
1. Menetapkan budget honorarium bagi seluruh anggota Dewan 1. Determine the net honorarium budget for all members of the
Komisaris maksimal sebesar Rp415.000.000,- (empat ratus lima Board of Commissioners of a maximum of IDR415,000,000
belas juta rupiah) per bulan, pajak ditanggung Perseroan, dan (four hundred and fifteen million rupiah) per month, taxes
memberikan kuasa dan wewenang kepada Dewan Komisaris borne by the Company, and give power and authority to
Perseroan untuk menetapkan pembagiannya serta tunjangan the Company’s Board of Commissioners to determine the
lainnya bagi masing-masing anggota Dewan Komisaris, yang distribution and other allowances for each each member of the
berlaku sampai dengan diputuskan lain dalam Rapat Umum Board of Commissioners, which is valid until otherwise decided
Pemegang Saham Tahunan berikutnya. at the next Annual General Meeting of Shareholders.
2. Menyetujui pemberian kuasa dan wewenang kepada Dewan 2. Approved the granting of power and authority to the Board of
Komisaris untuk dan atas nama Rapat menetapkan gaji dan Commissioners for and on behalf of the Meeting to determine
tunjangan lainnya bagi masing-masing anggota Direksi salaries and other allowances for each member of the
Perseroan. Company’s Board of Directors.
3. Memberikan kuasa dan wewenang kepada Direksi Perseroan 3. Grant power and authority to the Company’s Board of Directors
untuk menetapkan pembagian tugas dan wewenang bagi to determine the division of duties and authority for each
masing-masing anggota Direksi Perseroan. member of the Company’s Board of Directors.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2024: Follow-up on the Results of Meeting Resolutions Until End of
2024:
Penetapan gaji anggota Direksi dan honorarium anggota Dewan The determination of salaries for members of the Board of Directors
Komisaris untuk tahun buku yang berakhir pada tanggal 31 and honorariums for members of the Board of Commissioners for
Desember 2024 telah dilakukan oleh Dewan Komisaris. the fiscal year ending December 31, 2024 has been carried out by
the Board of Commissioners.
Penyelenggaraan RUPS Tahun 2023 Holding of the 2023 GMS
Sepanjang tahun 2023, Allo Bank telah menyelenggarakan RUPS Throughout 2023, Allo Bank held 1 (one) Annual GMS. The Bank has
sebanyak 1 kali yang terdiri dari 1 (satu) kali RUPS Tahunan. Bank appointed independent parties, namely Notaries, Legal Consultants
telah menunjuk pihak-pihak independen, yaitu Notaris, Konsultan and Securities Administration Bureaus to carry out calculations and/
Hukum dan Biro Administrasi Efek untuk melakukan perhitungan or validation and voting at the GMS. The details of the meeting along
dan/atau validasi dan pengambilan suara dalam RUPS. Adapun with the agenda and follow-up decisions can be seen as follows:
rincian rapat beserta agenda dan tindak lanjut keputusannya dapat
dilihat sebagai berikut:
RUPS Tahunan tanggal 19 Mei 2023
Annual GMS dated May 19, 2022
Hari/Tanggal Jumat, 19 Mei 2023
Day/Date Friday, May 19, 2023
Waktu 14.00 - 15.45 WIB
14:00 – 15:45 (Western Indonesia Time)
Tempat Auditorium Menara Bank Mega Lantai 3
Venue Auditorium Menara Bank Mega 3rd Floor
Kehadiran Dewan Komisaris | Board of Commissioners
Attendance Komisaris Utama Independen | Independent President Commissioner : Aviliani
Komisaris Independen | Independent Commissioner : Rosmaya
Komisaris | Commissioner : Ali Gunawan
Direksi | Board of Directors
Direktur Utama | President Director : Indra Utoyo
Direktur | Director : Ari Yanuanto Asah
Direktur | Director : Arief Tendeas
Direktur | Director : Ganda Raharja Rusli
Direktur | Director : Sajal Bhatnagar
312 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 315
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Jumlah Pemegang Saham Kehadiran Para Pemegang Saham
yang Bertanya
Number of Shareholders Who Dengan memperhatikan daftar pemegang saham per tanggal 26 April 2023, RUPS Tahunan telah dihadiri
Asked Questions atau diwakili oleh para pemegang saham yang memiliki 20.680.773.480 saham atau 95,17% dari jumlah
saham dengan hak suara yang sah yang telah dikeluarkan oleh Perseroan yang seluruhnya berjumlah
21.730.256.442 saham.
RUPS Tahunan dipimpin oleh Aviliani selaku Komisaris Utama Independen. Dalam setiap pembahasan
agenda RUPS Tahunan, para pemegang saham telah diberikan kesempatan untuk menyampaikan
pandangannya dan/atau pertanyaan terkait dengan usulan agenda yang dibahas dalam RUPS Tahunan.
Walaupun terdapat satu pertanyaan terkait laporan keuangan Perseroan, tidak ada pemegang saham
yang menyampaikan pendapatnya pada saat pembahasan setiap agenda yang diusulkan dalam RUPST.
Keputusan atas keseluruhan agenda RUPS Tahunan diambil berdasarkan musyawarah untuk mufakat.
Presence of Shareholders
Taking into account the list of shareholders as of April 26, 2023, the Annual GMS was attended or
represented by shareholders holding 20,680,773,480 shares or 95,17% of the total shares with valid
voting rights issued by the Company, which amounted to 21,730,256,442 shares in total.
The Annual GMS is chaired by Aviliani as Independent Main Commissioner. In each discussion of the
Annual GMS agenda, shareholders have been given the opportunity to express their views and/ or
questions related to the proposed agenda discussed at the Annual GMS. Even though there was one
question regarding the Company’s financial statements, no shareholders expressed their opinions during
the discussion of any proposed agenda at the AGMS. Decisions on the entire agenda of the Annual GMS
are taken based on deliberation to reach consensus.
Informasi Ketidakhadiran Seluruh Dewan Komisaris serta Direksi hadir dalam RUPS.
Dewan Komisaris dan Direksi All of the Board of Commissioners and Board of Directors were present at the GMSs.
dalam RUPS
Information on Attendance of
the Board of Commissioners
and Directors at the GMS
Tahapan pelaksanaan RUPS Tahunan tanggal 19 Mei 2023 adalah The stages for implementing the Annual GMS on May 19, 2023
sebagai berikut: are as follows:
Kegiatan Tanggal Keterangan
Activity Date Remark
Pengumuman RUPS Tahunan 12 April 2023 Pengumuman pelaksanaan RUPS Tahunan kepada Pemegang
Annual GMS Announcement April 12, 2023 Saham melalui website PT Bursa Efek Indonesia (www.idx.co.id),
situs web Bank (www.allobank.com) dan situs website eASY.KSEI
melalui https://akses.ksei.co.id
Announcement of the implementation of the Annual GMS to
Shareholders via the PT Bursa Efek Indonesia website (www.idx.
co.id), the Bank website (www.allobank. com) and the eASY.KSEI
website via https://akses.ksei.co.id
Pemanggilan RUPS Tahunan 27 April 2023 Pemanggilan RUPS Tahunan kepada Pemegang Saham melalui
Invitation to the Annual GMS April 27, 2023 website PT Bursa Efek Indonesia (www.idx.co.id), situs web Bank
(www.allobank.com) dan situs website eASY.KSEI melalui https://
akses.ksei.co.id
Invitation to the Annual GMS to Shareholders via the PT Bursa
Efek Indonesia website (www.idx.co.id), the Bank website (www.
allobank.com) and the eASY.KSEI website via https://akses.ksei.
co.id
Publikasi Ringkasan Risalah RUPS Tahunan 23 Mei 2023 Pemberitahuan publikasi Ringkasan Risalah RUPS Tahunan
Publication of Summary of Annual GMS May 23, 2023 kepada Masyarakat melalui website PT Bursa Efek Indonesia
Minutes (www.idx.co.id), situs web Bank (www.allobank.com) dan situs
website eASY.KSEI melalui https://akses.ksei.co.id
Notification of the publication of the Summary of Annual GMS
Minutes to the Public via the PT Bursa Efek Indonesia website
(www.idx.co.id), the Bank website (www.allobank.com) and the
eASY.KSEI website via https://akses.ksei.co.id
2024 Annual Report & Sustainability Report
313
Page 316
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Hasil Keputusan RUPS telah dituangkan dalam Akta Berita Acara The results of the GMS Decisions have been stated in the Deed of
RUPS Tahunan No. 07 tanggal 19 Mei 2023. Seluruh keputusan Minutes of the Annual GMS No. 07 dated May 19, 2023. All decisions
dalam RUPS dilakukan dengan musyawarah mufakat. Adapun hasil at the GMS were made by deliberation and consensus. The results
keputusan RUPS serta pelaksanaannya dan tindak lanjutnya oleh of the GMS decisions as well as their implementation and follow-up
Manajemen Bank hingga akhir tahun 2023 adalah sebagai berikut: by Bank Management until the end of 2023 are as follows:
Mata Acara Rapat dan Keputusannya serta Tindak Lanjut atas Hasil Keputusan Rapat
Meeting Agenda and Decisions, as well as Follow-up on Meeting Resolutions
Agenda Mata Acara 1
First Meeting Agenda
Persetujuan Laporan Direksi dan Laporan Pengawasan Dewan Komisaris serta Laporan Tahunan termasuk Pengesahan Laporan Keuangan
Perseroan untuk Tahun Buku yang berakhir tanggal 31 Desember 2022.
Approval of the Directors’ Report and the Board of Commissioners’ Supervision Report as well as the Annual Report including Ratification of
the Company’s Financial Report for the Fiscal Year ending December 31, 2022.
Keputusan Mata Acara 1
Decision of the First Meeting Agenda
Pengambilan Keputusan Dengan Pemungutan Suara
Decision Making By Voting
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
20.680.773.462 saham 18 saham atau Nihil 20.680.773.462 saham
atau 99,9999999% 0,0000001% Nil Atau 99,9999999%
20,680,773,462 shares 18 shares or 20,680,773,462 shares
or 99.9999999% 0.0000001% or 99.9999999%
1. Menerima baik dan menyetujui Laporan Direksi mengenai 1. Receive and approve the Directors’ Report regarding the
pengurusan Perseroan dan Laporan Pengawasan Dewan Komisaris management of the Company and the Board of Commissioners’
selama tahun buku 2022 serta Laporan Tahunan untuk tahun buku Supervision Report for the 2022 fiscal year as well as the Annual
yang berakhir pada tanggal 31 Desember 2022. Report for the fiscal year ending December 31, 2022.
2. Menerima dan mengesahkan Laporan Keuangan untuk Tahun 2. Receive and approve the Financial Report for the Fiscal Year
Buku yang berakhir pada tanggal 31 Desember 2022 yang ending December 31, 2022 which includes the Balance Sheet
termasuk didalamnya Neraca dan perhitungan Laba-Rugi yang and Profit and Loss calculations which have been audited by the
telah diaudit Kantor Akuntan Publik Kosasih, Nurdiyaman, Public Accounting Firm Kosasih, Nurdiyaman, Mulyadi, Tjahjo &
Mulyadi, Tjahjo & Rekan dengan laporannya No. 00114/2.1051/ Rekan with report No. 00114/2.1051/AU.1/07/0008-3/1/III/2023
AU.1/07/0008-3/1/III/2023 tanggal 8 Maret 2023. dated March 8, 2023.
3. Memberikan pelunasan dan pembebasan tanggung jawab 3. Provide full repayment and release of responsibility to members
sepenuhnya kepada para anggota Direksi dan Dewan Komisaris of the Board of Directors and Board of Commissioners for the
atas pengurusan dan pengawasan yang telah dijalankan management and supervision that has been carried out during
selama tahun buku 2022 sepanjang tindakan-tindakan tersebut the 2022 fiscal year as long as these actions are reflected in the
tercermin dalam Laporan Keuangan tersebut. Financial Report.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2023: Follow-up on the Results of Meeting Resolutions Until End of
2023:
Laporan Keuangan dan Laporan Tahunan telah disampaikan kepada The Financial Report and Annual Report have been submitted to
OJK dan Bursa Efek Indonesia melalui Sistem Pelaporan Elektronik, the OJK and the Indonesian Stock Exchange via the Electronic
dan telah dipublikasikan melalui situs website Perseroan. Reporting System, and have been published on the Company’s
website.
314 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 317
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Agenda Mata Acara 2
Second Meeting Agenda
Penetapan Penggunaan Laba Bersih Perseroan untuk Tahun Buku yang berakhir pada tanggal 31 Desember 2022.
Determination of the Use of the Company’s Net Profit for the Fiscal Year ending December 31, 2022.
Keputusan Mata Acara 2
Decision of the Second Meeting Agenda
Pengambilan Keputusan Dengan Pemungutan Suara
Decision Making By Voting
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
20.680.773.462 saham 18 saham atau Nihil 20.680.773.462 saham
atau 99,9999999% 0,0000001% Nil Atau 99,9999999%
20,680,773,462 shares 18 shares or 20,680,773,462 shares
or 99.9999999% 0.0000001% or 99.9999999%
Menetapkan seluruh Laba Bersih Perseroan tahun buku 2022 yaitu Determining the entire Net Profit of the Company for the 2022
sebesar Rp270.029.411.193 (Dua Ratus Tujuh Puluh Miliar Dua Puluh Fiscal year, namely IDR270,029,411,193 (Two Hundred Seventy Billion
Sembilan Juta Empat Ratus Sebelas Ribu Seratus Sembilan Puluh Twenty Nine Million Four Hundred Eleven Thousand One Hundred
Tiga Rupiah) digunakan sebagai berikut: Ninety Three Rupiah) is used as follows:
1. Sebesar Rp29.411.193 (Dua Puluh Sembilan Juta Empat Ratus 1. An amount of IDR29,411,193 (Twenty Nine Million Four Hundred
Sebelas Ribu Seratus Sembilan Puluh Tiga Rupiah) disisihkan Eleven Thousand One Hundred Ninety Three Rupiah) is set
sebagai dana cadangan guna memenuhi ketentuan Pasal 70 aside as reserve funds to fulfill the provisions of Article 70 of the
UUPT; dan Company Law; And
2. Sisanya sebesar Rp270.000.000.000 (Dua Ratus Tujuh Puluh 2. The remaining IDR270,000,000,000 (Two Hundred and
Miliar Rupiah) akan dibukukan sebagai laba ditahan. Seventy Billion Rupiah) will be recorded as retained earnings
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2023: Follow-up on the Results of Meeting Resolutions Until End of
2023:
Bank telah menetapkan penggunaan laba bersih sesuai dengan The Bank has determined the use of net profit in accordance
hasil keputusan Rapat Umum Pemegang Saham Tahunan dalam with the results of the decision of the Annual General Meeting of
pembukuan keuangan Bank. Shareholders in the Bank’s financial books.
Agenda Mata Acara 3
Third Meeting Agenda
Laporan Direksi atas Rencana Kerja (Business Plan) Perseroan Tahun 2023 dan Laporan Rencana Aksi Keuangan Berkelanjutan.
The Board of Directors’ Report on the Company’s Business Plan for 2023 and Report on the Sustainable Financial Action Plan.
Untuk mata acara Rapat Ketiga ini tidak mengambil keputusan Rapat karena sifatnya hanya untuk dikomunikasikan kepada para Pemegang
Saham.
For the agenda of the Third Meeting, no resolutions are made at the Meeting because they are only intended to be communicated to
Shareholders
2024 Annual Report & Sustainability Report
315
Page 318
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Agenda Mata Acara 4
Fourth Meeting Agenda
Penunjukkan Kantor Akuntan Publik yang akan melakukan audit atas Laporan Keuangan Perseroan untuk Tahun Buku 2023.
Appointment of a Public Accounting Firm that will audit the Company’s Financial Report for the 2023 Financial
Keputusan Mata Acara 4
Decision of Fourth Meeting Agenda
Pengambilan Keputusan Dengan Pemungutan Suara
Decision Making By Voting
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
20.680.667.162 saham 106.318 saham atau Nihil 20.680.667.162 saham
atau 99,9994859% 0,0005141% Nil Atau 99,9994859%
20,680,667,162 shares 106,318 shares or 20,680,667,162 shares or
or 99.9994859% 0.0005141% 99.9994859%
Memberikan wewenang dan kuasa kepada Dewan Komisaris Granting authority and power to the Board of Commissioners and
dan dengan memperhatikan rekomendasi dari Komite Audit, taking into account recommendations from the Audit Committee,
untuk menunjuk Kantor Akuntan Publik yang terdaftar di Otoritas to appoint a Public Accounting Firm registered with the Financial
Jasa Keuangan, yang akan melakukan audit terhadap keuangan Services Authority, which will conduct an audit of the Company’s
Perseroan tahun buku 2023, untuk mendapatkan auditor dengan finances for the 2023 fiscal year, to obtain auditors with the best
kualitas dan harga terbaik. quality and price.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2023: Follow-up on the Results of Meeting Resolutions Until End of
2023:
Penunjukan Kantor Akuntan Publik Amir Abadi Jusuf, Aryanto, The appointment of Public Accountant Firm Amir Abadi Jusuf,
Mawar & Rekan telah dilakukan oleh Dewan Komisaris dengan Aryanto, Mawar & Partners has been carried out by the Board of
memperhatikan rekomendasi dari Komite Audit dan telah dilaporkan Commissioners taking into account recommendations from the Audit
kepada OJK melalui Surat No. 051/BBHI/X/2023 tertanggal 19 Committee and has been reported to the OJK through Letter No.
Oktober 2023. 051/BBHI/X/2023 dated October 19, 2023.
Agenda Mata Acara 5
Fifth Meeting Agenda
Penetapan Honorarium dan Tunjangan Lainnya bagi Direksi dan Dewan Komisaris Perseroan untuk Tahun 2023.
Determination of Honorarium and Other Benefits for the Company’s Directors and Board of Commissioners for 2023.
Keputusan Mata Acara 5
Decision of Fifth Meeting Agenda
Pengambilan Keputusan Dengan Pemungutan Suara
Decision Making By Voting
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
20.680.773.462 saham 18 saham atau Nihil 20.680.773.462 saham
Atau 99,9999999% 0,0000001% Nil atau 99,9999999%
20,680,773,462 shares 18 shares or 20,680,773,462 shares
or 99.9999999% 0.0000001% or 99.9999999%
316 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 319
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Menetapkan budget honorarium bagi seluruh anggota Dewan Determine the honorarium budget for all members of the Board
Komisaris maksimal sebesar Rp385.000.000,- (Tiga Ratus Delapan of Commissioners at a maximum of IDR385,000,000 (Three
Puluh Lima Juta Rupiah) per bulan, pajak ditanggung Perseroan, Hundred and Eighty-Five Million Rupiah) per month, tax borne by
dan memberikan kuasa dan wewenang kepada Dewan Komisaris the Company, and give power and authority to the Company’s
Perseroan untuk menetapkan pembagiannya serta tunjangan lainnya Board of Commissioners to determine the distribution and other
bagi masing-masing anggota Dewan Komisaris, yang berlaku sampai allowances for each member of the Board of Commissioners, which
dengan diputuskan lain dalam Rapat Umum Pemegang Saham is valid until otherwise decided at the next Annual General Meeting
Tahunan berikutnya. Menyetujui pemberian kuasa dan wewenang of Shareholders. Approved the granting of power and authority to
kepada Dewan Komisaris untuk dan atas nama Rapat menetapkan the Board of Commissioners for and on behalf of the Meeting to
gaji dan tunjangan lainnya bagi masing-masing anggota Direksi determine salaries and other allowances for each member of the
Perseroan. Company’s Board of Directors.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2023: Follow-up on the Results of Meeting Resolutions Until End of
2023:
Penetapan gaji anggota Direksi dan honorarium anggota Dewan Determination of salaries for members of the Board of Directors and
Komisaris untuk tahun buku yang berakhir pada tanggal 31 honorarium for members of the Board of Commissioners for the
Desember 2023 telah dilakukan oleh Dewan Komisaris. fiscal year ending December 31, 2023 has been carried out by the
Board of Commissioners.
Agenda Mata Acara 6
Sixth Meeting Agenda
Laporan dan Pertanggungjawaban Realisasi Penggunaan Dana Hasil Penawaran Umum Terbatas III (PUT III).
Report and Accountability for the Realization of Use of Funds from Limited Public Offering III (PUT III).
Keputusan Mata Acara 6
Decision of Sixth Meeting Agenda
Pengambilan Keputusan Dengan Pemungutan Suara
Decision Making
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
20.680.773.462 saham 18 saham atau Nihil 20.680.773.462 saham
Atau 99,9999999% 0,0000001% Nil atau 99,9999999%
20,680,773,462 shares 18 shares or 20,680,773,462 shares
or 99.9999999% 0.0000001% or 99.9999999%
Menerima dan menyetujui Laporan dan Pertanggungjawaban Receive and approve the Company’s Report and Accountability for
Perseroan atas Realisasi Penggunaan Dana Hasil Penawaran Umum the Realization of Use of Funds from Limited Public Offering III for
Terbatas III untuk posisi per tanggal Rapat. positions as of the Meeting date.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2023: Follow-up on the Results of Meeting Resolutions Until End of
2023
Bank telah mempertanggungjawabkan realisasi penggunaan dana The Bank has been responsible for the realization of the use of
hasil penawaran umum termasuk pelaporannya kepada OJK melalui funds from the public offering including reporting it to the OJK via
Sarana Pelaporan Elektronik sesuai dengan ketentuan dalam POJK Electronic Reporting Means in accordance with the provisions in
No. 30/POJK.04/2015 tentang Laporan Realisasi Penggunaan Dana POJK No. 30/ POJK.04/2015 concerning Report on the Realization
Hasil Penawaran Umum. of Use of Public Offering Proceeds.
2024 Annual Report & Sustainability Report
317
Page 320
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Agenda Mata Acara 7
Seventh Meeting Agenda:
Perubahan Anggaran Dasar Perseroan.
Changes to the Company’s Articles of Association
Keputusan Mata Acara 7
Decision of Seventh Meeting Agenda
Pengambilan Keputusan Dengan Pemungutan Suara
Decision Making By Voting
Total Jumlah Suara
Setuju Tidak Setuju Abstain Setuju
Consenting Dissenting Abstain Total Number of
Consenting Votes
20.678.295.790 saham 2.477.690 saham atau Nihil 20.678.295.790 saham
atau 99,9880194% 0,0119806% Nil Atau 99,9880194%
20,678,295,790 shares 2,477,690 shares or 20,678,295,790 shares or
or 99.9880194% 0.0119806% 99.9880194%
1. Menyetujui perubahan dan penyesuaian kembali Anggaran 1. Approve changes and readjustments to the Company’s
Dasar Perseroan, guna menyesuaikan dengan ketentuan Articles of Association, in order to conform to the provisions of
peraturan perundang-undangan yang berlaku. applicable laws and regulations.
2. Menyetujui pemberian kuasa dan wewenang kepada Direksi 2. Approved the granting of power and authority to the Company’s
Perseroan untuk melakukan perubahan atas ketentuan Board of Directors to make changes to the provisions of the
Anggaran Dasar dimaksud sesuai dengan keputusan Rapat, Articles of Association in accordance with the Meeting’s
menyatakan keputusan Rapat ini dalam akta notaris termasuk decision, stating the decision of this Meeting in a notarial
untuk menyusun kembali seluruh ketentuan anggaran dasar deed including to re-arrange all provisions of the articles of
dalam satu akta notaris jika diperlukan, serta untuk mengurus association in one notarial deed if necessary, as well as to
persetujuan dan pelaporan perubahan anggaran dasar arrange approval and reporting changes to the articles of
tersebut ke Menteri Hukum dan Hak Asasi Manusia Republik association to the Minister of Law and Human Rights of the
Indonesia dan melakukan setiap tindakan yang diperlukan untuk Republic of Indonesia and taking any actions necessary to
terlaksananya perubahan ketentuan anggaran dasar Perseroan. implement changes to the provisions of the Company’s articles
of association.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2023: Follow-up on the Results of Meeting Resolutions Until End of
2023
Anggaran Dasar Bank telah diubah sebagaimana dinyatakan The Bank’s Articles of Association have been amended as stated in
dalam Akta No. 01 tanggal 14 Juni 2023 yang telah memperoleh Deed No. 01 dated June 14, 2023 which has received approval from
persetujuan dari Menteri Hukum dan Hak Asasi Manusia Republik the Minister of Law and Human Rights of the Republic of Indonesia
Indonesia tanggal 12 Juli 2023 No. AHU-0039698.AH.01.02.Tahun dated July 12, 2023 No. AHU-0039698.AH.01.02.Year 2023
2023 dan pemberitahuan atas perubahan anggaran dasarnya telah and notification of changes to its articles of association has been
diterima serta dicatat oleh Menteri Hukum dan Hak Asasi Manusia received and recorded by the Minister of Law and Human Rights of
Republik Indonesia sesuai surat tertanggal 12 Juli 2023 No. AHU- the Republic of Indonesia in accordance with letter dated July 12,
AH.01.03-0090650. 2023 No. AHUAH. 01.03-0090650.
318 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 321
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Dewan
Komisaris Board of Commissioners
Dewan Komisaris merupakan organ yang The Board of Commissioners is responsible for
bertanggung jawab untuk melaksanakan fungsi overseeing general and/or specific management
pengawasan secara umum dan/atau khusus functions, providing advisory support to the
sesuai dengan Anggaran Dasar, memberikan Board of Directors, and ensuring that the
nasihat kepada Direksi, serta memastikan bahwa Bank adheres to GCG principles. The Board of
Bank telah melaksanakan prinsip-prinsip GCG. Commissioners is accountable to shareholders
Dewan Komisaris bertanggung jawab kepada for monitoring the Board of Directors’ policies
Pemegang Saham dalam hal mengawasi and overall Bank operations. These activities
kebijakan Direksi terhadap operasional Bank must align with the business plan approved by
secara umum yang mengacu kepada rencana the Board of Commissioners and Shareholders
bisnis yang telah disetujui Dewan Komisaris dan while ensuring full compliance with all
Pemegang Saham, serta memastikan kepatuhan applicable laws and regulations.
terhadap seluruh peraturan dan perundang-
undangan yang berlaku.
Kriteria Dewan Komisaris Criteria for the Board of Commissioners
1. Setiap anggota Dewan Komisaris memenuhi 1. Each member of the Board of Commissioners
persyaratan penilaian kemampuan dan fulfills the fit and proper test requirements
kepatutan sesuai dengan Peraturan in accordance with the OJK Regulation
OJK mengenai Penilaian Kemampuan regarding Fit and Proper Test for the Board
dan Kepatutan bagi Dewan Komisaris of Commissioners and Directors, namely the
dan Direksi, yaitu persyaratan integritas, requirements for integrity, competence, and
kompetensi dan reputasi keuangan. financial reputation. These requirements must
Persyaratan tersebut harus dipenuhi Dewan be fulfilled by the Board of Commissioners
Komisaris pada saat diangkat dan selama at the time of appointment and throughout
menjabat. their tenure.
2. Dewan Komisaris wajib memenuhi 2. The Board of Commissioners must meet
persyaratan integritas, kompetensi the integrity, competency, and financial
dan reputasi keuangan sesuai dengan reputation requirements in accordance with
ketentuan yang berlaku. Persyaratan ini applicable regulations. These requirements
agar dimuat dalam surat pernyataan yang should be included in a well-documented
didokumentasikan oleh Bank dengan baik. statement letter by the Bank.
3. Persyaratan integritas yang dipenuhi, 3. The integrity requirements that must be
minimal sebagai berikut: fulfilled are as follows:
a. Memiliki akhlak dan moral yang baik, a. Possess good morals and ethics,
paling sedikit ditunjukan dengan sikap demonstrated at least by complying
mematuhi ketentuan yang berlaku, with applicable regulations, including
termasuk tidak pernah dihukum karena not having been convicted of a crime
terbukti melakukan tindak pidana within a certain period before being
dalam jangka waktu tertentu sebelum nominated.
dicalonkan.
b. Cakap melakukan perbuatan hukum. b. Capable of carrying out legal actions.
c. Memiliki komitmen untuk mematuhi c. Have a commitment to comply with
peraturan perundang-undangan dan laws and regulations and support the
mendukung kebijakan regulator yang applicable regulatory policies.
berlaku.
d. M e m i l i k i k o m i t m e n t e r h a d a p d. Have a commitment to the development
pengembangan operasional Bank of a healthy Bank operation.
yang sehat.
2024 Annual Report & Sustainability Report
319
Page 322
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
e.
Tidak sedang dalam proses hukum dan/atau proses uji e. Currently not in a legal process and/or a fit and proper
kemampuan dan kepatutan pada suatu Bank. test process at a Bank.
f. Tidak termasuk sebagai pihak yang dilarang untuk menjadi f. Does not work in a company that prohibits becoming a
Dewan Komisaris. member of the Board of Commissioners.
g. Memiliki komitmen untuk tidak melakukan dan/atau g. Have a commitment not to engage in and/or repeat certain
mengulangi perbuatan dan/atau tindakan tertentu, bagi actions or behaviors, for candidates for the Board of
calon Dewan Komisaris yang pernah memiliki predikat Commissioners who previously failed the fit and proper test.
tidak lulus dalam uji kemampuan dan kepatutan.
4. Persyaratan Kompetensi yang harus dipenuhi, minimal: 4. The minimum competency requirements that must be fulfilled are:
a. Memiliki pengetahuan di bidang perbankan dan/atau a. Have knowledge in banking and/or finance that is adequate
bidang keuangan yang memadai dan relevan dengan and relevant to the position.
jabatannya;
b. Memiliki pengalaman dan keahlian di bidang perbankan b. Have experience and expertise in banking and/or finance.
dan/atau bidang keuangan;
c. Memiliki pengetahuan mengenai tugas dan tanggung c. Have knowledge about the duties and responsibilities as
jawab serta pemahaman mengenai kegiatan bisnis utama well as understanding the main business activities and
dan risiko utama Bank; main risks of the Bank.
d. Memiliki Sertifikat Manajemen Risiko minimal Jenjang 6 d. Have a Risk Management Certificate of at least Level 6 (six).
(enam).
5. Persyaratan reputasi keuangan yang harus dipenuhi, antara lain: 5. The financial reputation requirements that must be fulfilled,
among others:
a. Tidak memiliki kredit macet, dan a. Does not have non-performing loans, and
b. Tidak pernah dinyatakan pailit atau menjadi Dewan b. Never been declared bankrupt or served as a member
Komisaris yang dinyatakan bersalah menyebabkan suatu of the Board of Commissioners that was found guilty of
perseroan dinyatakan pailit dalam jangka waktu 5 (lima) causing a company to declare bankrupt within the last 5
tahun terakhir sebelum dicalonkan. (five) years before being nominated.
6. Tidak pernah menjadi anggota Dewan Komisaris yang selama 6. Never been a member of the Board of Commissioners who,
menjabat: during their tenure:
a. Pernah tidak menyelenggarakan Rapat Umum Pemegang a. Failed to hold the Annual General Meeting of Shareholders
Saham (RUPS) tahunan. (AGM).
b. Pertanggungjawabannya sebagai anggota Dewan b. Their accountability as a member of the Board of
Komisaris, pernah tidak diterima oleh RUPS atau pernah Commissioners was not accepted by the GMS or they
tidak memberikan pertanggungjawaban sebagai anggota failed to provide accountability as a member of the Board
Dewan Komisaris kepada RUPS. of Commissioners to the GMS.
c. Pernah menyebabkan perusahaan yang memperoleh izin, c. Caused a company that obtained a license, approval, or
persetujuan, atau pendaftaran dari Otoritas Jasa Keuangan registration from the Financial Services Authority (OJK) to
(OJK) tidak memenuhi kewajiban menyampaikan Laporan fail to fulfill its obligation to submit Annual Reports and/or
Tahunan dan/atau Laporan Keuangan kepada OJK. Financial Statements to the OJK.
Pengangkatan dan Pemberhentian Anggota Dewan The Appointment and Dismissal of Members of the
Komisaris Board of Commissioners
Ketentuan Pengangkatan Appointment Requirements
1. Anggota Dewan Komisaris diangkat berdasarkan keputusan 1. Members of the Board of Commissioners are appointed based
RUPS dengan memperhatikan rekomendasi komite yang on the decision of the GMS.
menjalankan fungsi nominasi.
2. Anggota Dewan Komisaris diangkat untuk masa jabatan 2. Members of the Board of Commissioners are appointed for
tertentu dan dapat diangkat kembali saat masa jabatannya a certain term of office and may be reappointed when their
telah berakhir. term of office has ended.
3. 1 (satu) periode masa jabatan anggota Dewan Komisaris paling 3. The maximum term of office for a member of the Board of
lama 3 (tiga) tahun atau sampai dengan penutupan RUPS Commissioners is 3 (three) years or until the closing of the
tahunan pada akhir 1 (satu) periode masa jabatan dimaksud. annual GMS at the end of the said term of office.
320 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 323
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
4. Komisaris baru yang merupakan tambahan dari jumlah anggota 4. With the addition of a new Commissioner to the previously
Dewan Komisaris sebelumnya, maka masa jabatan Komisaris existing number of members in the Board of Commissioners,
baru tersebut berakhir dalam waktu yang sama dengan anggota the term of office of the new Commissioner ends at the same
Dewan Komisaris lainnya yang masih menjabat. time as the other members of the Board of Commissioners
who are still in office.
5. Persyaratan atas pengangkatan Komisaris yang merupakan 5. The appointment of a Commissioner who is a Foreign Worker
Tenaga Kerja Asing harus memenuhi ketentuan tentang must comply with the provisions on the Utilization of Foreign
Pemanfaatan Tenaga Kerja Asing yang dikeluarkan oleh OJK Workers issued by the OJK and other related agencies.
dan instansi terkait lainnya.
6. Setiap usulan penggantian dan/atau pengangkatan anggota 6. Every proposal for replacement and/or appointment of
Dewan Komisaris kepada RUPS wajib memperhatikan members of the Board of Commissioners to the GMS must
rekomendasi Komite yang menjalankan fungsi Nominasi. take into account the recommendations of the Committee
which carries out the Nomination function.
7. Anggota komite yang menjalankan fungsi nominasi yang 7. Committee members carrying out nomination functions who
memiliki benturan kepentingan wajib mengungkapkan have a conflict of interest are required to disclose it in the
dalam usulan yang direkomendasikan. Jika anggota Komite recommended proposal. If members of the Remuneration
Remunerasi dan Nominasi memiliki benturan kepentingan and Nomination Committee have a conflict of interest with
dengan usulan yang direkomendasikan, maka wajib the recommended proposal, then they must disclose it in the
diungkapkan dalam usulan tersebut. proposal.
8. Anggota Dewan Komisaris harus memenuhi persyaratan telah 8. Members of the Board of Commissioners must meet the
lulus Penilaian Kemampuan dan Kepatutan sesuai dengan requirements of having passed the Fit and Proper Test in
ketentuan OJK. accordance with OJK regulations.
9. Dewan Komisaris yang berasal dari Direksi atau Pejabat 9. Board of Commissioners who come from the Bank’s Board of
Eksekutif Bank atau pihak-pihak yang mempunyai hubungan Directors or Executive Officers or parties that have a relationship
dengan Bank, yang dapat mempengaruhi kemampuannya with the Bank that may affect their ability to act independently,
untuk bertindak independen, wajib menjalani masa tunggu must undergo a cooling-off period of 1 (one) year.
(cooling off) selama 1 (satu) tahun.
10. Honorarium dan/atau tunjangan Dewan Komisaris ditentukan 10. The honorarium and/or allowances of the Board of
oleh RUPS. Commissioners are determined by the GMS.
Ketentuan Pemberhentian Dismissal Requirements
1. Setiap pemberhentian dan/atau penggantian anggota Dewan 1. Every dismissal and/or replacement of members of the Board
Komisaris kepada RUPS wajib memperhatikan rekomendasi of Commissioners at the GMS must take into account the
komite yang menjalankan fungsi nominasi dan mengedepankan recommendations of the committee which carries out the
kepentingan utama dari Bank. nomination function and prioritizes the main interests of the
Bank.
2. Pemberhentian atau penggantian anggota Dewan 2. Dismissal or replacement of a member of the Board of
Komisaris sebelum periode masa jabatannya berakhir wajib Commissioners before the end of their term of office must
memperhatikan paling sedikit: take into account at least:
a. anggota Dewan Komisaris dinilai tidak mampu a. members of the Board of Commissioners are deemed
melaksanakan tugas dan tanggung jawab dalam unable to carry out their duties and responsibilities in the
pengelolaan dan pelaksanaan strategi Bank yang sehat; management and implementation of sound Bank strategies;
b. pemberhentian atau penggantian anggota Dewan b. dismissal or replacement of members of the Board of
Komisaris tidak didasarkan atas penilaian subjektif dari Commissioners is not based on the subjective assessment
pemegang saham, namun didasarkan dari penilaian yang of shareholders, but is based on an objective assessment
objektif terkait pengelolaan Bank; regarding the management of the Bank;
c. pemberhentian atau penggantian anggota Dewan c. the dismissal or replacement of members of the Board of
Komisaris telah melalui perencanaan dan mekanisme Commissioners has gone through applicable planning and
yang berlaku, yang paling sedikit memperhatikan penilaian mechanisms, which at least takes into account the assessment
dari komite yang menjalankan fungsi nominasi dan telah of the committee that carries out the nomination function and
diagendakan dalam RUPS; has been on the agenda at the GMS;
d. pemberhentian atau penggantian anggota Dewan d. dismissal or replacement of members of the Board
Komisaris tidak mengakibatkan terjadinya permasalahan of Commissioners does not result in problems in the
dalam pengorganisasian dan kegiatan usaha Bank; organization and business activities of the Bank;
2024 Annual Report & Sustainability Report
321
Page 324
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
e. pelaksanaan pemberhentian atau penggantian anggota The implementation of the dismissal or replacement of
e.
Dewan Komisaris mengedepankan pola komunikasi yang members of the Board of Commissioners prioritizes good
baik dari berbagai pihak terkait; dan communication patterns from various related parties; and
f. dilakukan dengan mengedepankan penerapan Tata Kelola f. carried out by prioritizing the implementation of Good
yang Baik pada Bank dan aspek kehati-hatian. Governance in the Bank and prudential aspects.
3. Anggota Dewan Komisaris dapat mengundurkan diri dari 3. Members of the Board of Commissioners may resign from their
jabatannya sebelum masa jabatannya berakhir. positions before their term of office ends.
4. Masa jabatan anggota Dewan Komisaris berakhir dengan 4. The term of office of a member of the Board of Commissioners
sendirinya apabila: ends automatically if:
a. Mengundurkan diri dengan pemberitahuan secara tertulis; a. Resign with written notification;
b. Tidak lagi memenuhi persyaratan perundang-undangan b. No longer meets applicable statutory requirements;
yang berlaku;
c. Meninggal dunia; c. Passes Away;
d. Diberhentikan berdasarkan keputusan RUPS; d. Dismissed based on GMS decision;
e. Dinyatakan pailit atau ditaruh dibawah pengampunan e. Declared bankrupt or placed under amnesty based on a
berdasarkan suatu penetapan Pengadilan; Court decision;
f. Terbukti terlibat dalam kejahatan keuangan. f. Proven to be involved in financial crimes.
5. Komisaris berhak mengundurkan diri dari jabatannya dengan 5. The Commissioner has the right to resign from his position
memberitahukan secara tertulis kepada Bank selambat- by notifying the Bank in writing no later than 90 (ninety) days
lambatnya 90 (sembilan puluh) hari sebelum tanggal before the date of his resignation.
pengunduran dirinya.
6. Bank wajib menyelenggarakan RUPS untuk memutuskan 6. The Bank is required to hold a GMS to decide on the
permohonan pengunduran diri Komisaris dimaksud paling Commissioner’s resignation request no later than 90 (ninety)
lambat 90 (sembilan puluh) hari setelah diterimanya surat days after receipt of the resignation letter.
pengunduran diri tersebut.
7. Apabila Komisaris mengundurkan diri sehingga mengakibatkan 7. If the Commissioner resigns, resulting in the number of
jumlah anggota Dewan Komisaris menjadi kurang dari 3 (tiga) members of the Board of Commissioners becoming less than
orang, maka pengunduran diri tersebut sah apabila telah 3 (three) people, then the resignation is valid if it has been
ditetapkan dalam RUPS dan telah diangkat anggota Dewan determined at the GMS and new members of the Board of
Komisaris yang baru sehingga memenuhi persyaratan minimal Commissioners have been appointed so that it meets the
jumlah anggota Dewan Komisaris. minimum requirements for the number of members of the
Board of Commissioners.
8. RUPS dapat mengangkat orang lain untuk mengisi jabatan 8. The GMS may appoint another person to fill the position of a
seorang Komisaris yang diberhentikan dari jabatannya atau Commissioner who is dismissed from office or to fill a vacancy.
untuk mengisi suatu lowongan. Masa jabatan seorang yang The term of office of a person appointed to replace a member
diangkat untuk menggantikan anggota Dewan Komisaris of the Board of Commissioners who has resigned or filled a
yang berhenti atau mengisi lowongan adalah selama sisa vacancy is for the remaining term of office of the member of the
jangka waktu masa jabatan anggota Dewan Komisaris yang Board of Commissioners who has been dismissed or replaced.
diberhentikan atau digantikan tersebut.
9. Otoritas Jasa Keuangan berwenang melakukan evaluasi 9. The Financial Services Authority has the authority to evaluate
terhadap keputusan pemberhentian atau penggantian anggota decisions to dismiss or replace members of the Board of
Dewan Komisaris yang dilakukan sebelum periode masa jabatan Commissioners made before the term of office of members
anggota Dewan Komisaris berakhir. of the Board of Commissioners ends.
10. Bank wajib melakukan keterbukaan informasi kepada 10. Banks are required to disclose information to the public and
masyarakat dan menyampaikan kepada OJK paling lambat 2 submit it to the OJK no later than 2 (two) working days after:
(dua) hari kerja setelah:
a. Diterimanya permohonan pengunduran diri anggota a. Acceptance of resignation requests from members of the
Dewan Komisaris. Board of Commissioners.
b. Dilakukan penyelenggaraan RUPS. b. A GMS was held.
Komposisi Dewan Komisaris Composition of the Board of Commissioners
1. Dewan Komisaris terdiri dari sedikitnya 3 (tiga) anggota dan 1. The Board of Commissioners consists of at least 3 (three)
paling banyak sama dengan jumlah anggota Direksi. members and a maximum of the same number of members
as the Board of Directors.
322 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 325
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
2. Dewan Komisaris dipimpin oleh Komisaris Utama atau Presiden 2. The Board of Commissioners is led by a President Commissioner.
Komisaris.
3. Dewan Komisaris terdiri dari Komisaris dan Komisaris 3. The Board of Commissioners consists of Commissioners and
Independen. Paling kurang 50% (lima puluh persen) dari Independent Commissioners. At least 50% (fifty percent) of the
jumlah anggota Dewan Komisaris adalah Komisaris Independen. total members of the Board of Commissioners are Independent
Commissioners.
4. Paling kurang 1 (satu) anggota Komisaris wajib berdomisili di 4. At least 1 (one) Commissioner must reside in Indonesia.
Indonesia.
Masa Jabatan Dewan Komisaris Term of Office of the Board of Commissioners
Berdasarkan Anggaran Dasar Pasal 20 ayat 6, Dewan Komisaris Based on Article 20 paragraph 6 of the Articles of Association,
dapat diangkat oleh RUPS untuk jangka waktu terhitung the Board of Commissioners is appointed by the GMS for a period
sejak pengangkatannya sampai penutupan RUPS tahunan starting from their appointment until the closing of the next third
ketiga berikutnya dengan tidak mengurangi hak RUPS untuk annual GMS without prejudice to the GMS’s right to dismiss them
memberhentikan sewaktu-waktu. at any time.
Susunan dan Dasar Pengangkatan Dewan Komisaris Composition and Basis of Appointment of the Board
Tahun 2024 of Commissioners in 2024
Sepanjang tahun 2024, susunan dan komposisi Dewan Komisaris Throughout 2024, the composition and structure of the Board of
tidak mengalami perubahan. Adapun komposisi Dewan Komisaris Commissioners did not change. The composition of the Allo Bank
Allo Bank per 31 Desember 2024 adalah sebagai berikut: Board of Commissioners as of December 31, 2024 is as follows:
Periode
Nama Jabatan Dasar Pengangkatan Masa Jabatan
Name Position Basis of Appointment Term of Office Jabatan
Period
Aviliani Komisaris Utama Independen RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Independent President Annual GMS May 31, 2024 2024 - 2027 Annual GMS Second
Commissioner
Rosmaya Komisaris Independen RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Independent Commissioner Annual GMS May 31, 2024 2024 - 2027 Annual GMS Second
Ali Gunawan Komisaris RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027 Kedua
Commissioner Annual GMS May 31, 2024 2024 - 2027 Annual GMS Second
Profil masing-masing anggota Dewan Komisaris Allo Bank dapat A brief profile of each member of the Board of Commissioners
dilihat pada Bab Profil Perusahaan dalam Laporan Tahunan ini. can be seen in the Board of Commissioners Profile section, in the
Company Profile chapter of this Annual Report.
Penilaian Kelayakan dan Kepatutan Dewan Komisaris Fit and Proper Assessment of the Board of
Commissioner
Bank memastikan bahwa seluruh anggota Dewan Komisaris telah The Bank ensures that all members of the Board of Commissioners
dinyatakan lulus dalam uji kemampuan dan kepatutan (fit and have successfully passed the Fit and Proper Test and obtained
proper test), serta memperoleh persetujuan dari OJK sebelum approval from OJK before assuming their roles and responsibilities.
menjalankan tugas dan fungsi sesuai jabatannya. Kebijakan ini This requirement is in accordance with OJK Regulation No. 27/
juga sesuai sebagaimana diatur dalam Peraturan OJK No. 27/ POJK.03/2016 concerning the Fit and Proper Test for Main Parties
POJK.03/2016 tentang Uji Kemampuan dan Kepatutan (Fit and of Financial Services Institutions.
Proper Test) bagi Pihak Utama Lembaga Jasa Keuangan.
2024 Annual Report & Sustainability Report
323
Page 326
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Status uji kemampuan dan kepatutan masing-masing anggota The Fit and Proper Test status for each Board of Commissioners
Dewan Komisaris Bank yang menjabat pada tahun 2024 dapat member serving in 2024 can be seen as follows:
dilihat sebagai berikut:
Nama Jabatan Status Persetujuan OJK terkait Uji Kemampuan dan Kepatutan
Name Position Status OJK approval regarding Fit and Proper Test
Aviliani Komisaris Utama Lulus Keputusan Deputi Komisioner Pengawas Perbankan I Otoritas Jasa Keuangan No. Kep-24/
Independen Passed PB.1/2022 tanggal 9 Juni 2022 tentang Hasil Penilaian Kemampuan dan Kepatutan Ibu
Independent Aviliani selaku Calon Komisaris Utama Independen PT Allo Bank Indonesia Tbk.
President Decision of the Deputy Commissioner for Banking Supervision I of the Financial Services
Commissioner Authority No. Kep-24/PB.1/2022 dated June 9, 2022 regarding the Assessment Results
of the Fit and Proper Test of Ms. Aviliani as Candidate for Independent President
Commissioner of PT Allo Bank Indonesia Tbk.
Rosmaya Komisaris Lulus Keputusan Deputi Komisioner Pengawas Perbankan I Otoritas Jasa Keuangan No. Kep-41/
Independen Passed PB.1/2022 tanggal 16 Agustus 2022 tentang Hasil Penilaian Kemampuan dan Kepatutan
Independent Ibu Rosmaya selaku Calon Komisaris Independen PT Allo Bank Indonesia Tbk.
Commissioner The decision of Deputy Commissioner for Banking Supervision I of the Financial Services
Authority No. Kep-41/PB.1/2022 dated August 16, 2022 regarding the Assessment Results
of the Fit and Proper Test of Ms. Rosmaya as a Candidate for Independent Commissioner
of PT Allo Bank Indonesia Tbk.
Ali Gunawan Komisaris Lulus Keputusan Deputi Komisioner Pengawas Perbankan I Otoritas Jasa Keuangan No. KEP-49/
Commissioner Passed PB.1/2021 Tanggal 13 Juli 2021 tentang Hasil Penilaian Kemampuan dan Kepatutan Bapak
Ali Gunawan selaku Anggota Dewan Komisaris PT Allo Bank Indonesia Tbk.
The decision of Deputy Commissioner for Banking Supervision I of the Financial Services
Authority No. KEP-49/PB.1/2021 dated July 13, 2021 regarding the Assessment Results of
the Fit and Proper Test of Mr. Ali Gunawan as a Member of the Board of Commissioners of
PT Allo Bank Indonesia Tbk.
Pedoman Kerja Dewan Komisaris Work Guidelines of Board of Commissioners
Dewan Komisaris melaksanakan fungsi pengawasan atas The Board of Commissioners carries out its supervisory function
pengelolaan Bank dengan mengacu kepada BOC Charter over the management of the Bank by referring to the BOC Charter,
yang berfungsi sebagai panduan dalam memahami peraturan- which serves as a guide for understanding regulations related to
peraturan terkait tata kerja Dewan Komisaris. BOC Charter disusun the work procedures of the Board of Commissioners. The BOC
berdasarkan prinsip-prinsip hukum korporasi, ketentuan Anggaran Charter is prepared based on the principles of corporate law,
Dasar, peraturan dan ketentuan perundang-undangan yang the provisions of the Articles of Association, applicable laws and
berlaku, arahan Pemegang Saham, serta praktik-praktik terbaik regulations, shareholder directives, and GCG best practices.
(best practices) GCG.
BOC Charter ini diharapkan dapat mempermudah Dewan Komisaris The BOC Charter is expected to help the Board of Commissioners
memahami peraturan-peraturan yang terkait dengan tata kerja understand the regulations related to the work procedures of
Dewan Komisaris, menghilangkan praktik pengambilan keputusan the Board of Commissioners, eliminate the practice of making
berdasarkan kebiasaan (yang tidak tertulis) serta memperjelas decisions based on habits (which are not written) and clarify the
tingkat akuntabilitas dalam pengambilan keputusan. Aspek yang level of accountability in decision making. Aspects regulated in
diatur dalam BOC Charter meliputi: the BOC Charter include:
1. Persyaratan Anggota Dewan Komisaris; 1. Requirements for Members of the Board of Commissioners;
2. Persyaratan Komisaris Independen; 2. Requirements for Independent Commissioners;
3. Pengangkatan Anggota Dewan Komisaris; 3. Appointment of Members of the Board of Commissioners;
4. Pemberhentian Anggota Dewan Komisaris; 4. Dismissal of Members of the Board of Commissioners;
5. Komposisi Dewan Komisaris; 5. Composition of the Board of Commissioners;
6. Rangkap Jabatan Anggota Dewan Komisaris; 6. Concurrent Position as Member of the Board of Commissioners;
7. Transparansi, Independensi, dan Etika Jabatan Dewan 7. Transparency, Independence and Ethics of the Board of
Komisaris; Commissioners;
8. Tugas, Tanggung Jawab dan Wewenang Dewan Komisaris; 8. Duties, Responsibilities and Authorities of the Board of
Commissioners;
9. Kehadiran dan Waktu Kerja Dewan Komisaris; 9. Attendance and working hours of the Board of Commissioners;
10. Tata Tertib Rapat Dewan Komisaris; 10. Rules and Regulations for Board of Commissioners Meetings
324 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 327
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
11. Penilaian Kinerja Dewan Komisaris; 11. Performance Assessment of the Board of Commissioners;
12. Komite Pendukung Tugas Dewan Komisaris; 12. Duties Supporting Committee of the Board of Commissioners;
13. Pelaporan. 13. Reporting.
Tugas, Tanggung Jawab, dan Wewenang Dewan Duties, Responsibilities and Authorities of the Board
Komisaris of Commissioners
1. Tugas dan tanggung jawab Dewan Komisaris: 1. Duties and responsibilities of the Board of Commissioners:
a. Mengarahkan, memantau dan mengevaluasi kebijakan a. Direct, monitor, and evaluate the Bank’s strategic policies to
strategis Bank agar sesuai dengan tujuan Bank dengan ensure alignment with the Bank’s objectives while adhering
memperhatikan ketentuan dan peraturan yang berlaku to the rules and regulations applicable to the banking
pada industri perbankan. industry.
b. Memastikan Direksi telah melaksanakan prinsip kehati- b. Ensure that the Board of Directors has implemented the
hatian dalam kegiatan usaha Bank. principle of prudence in the Bank’s business activities.
c. Memastikan terselenggaranya pelaksanaan Prinsip Tata c. Ensure the implementation of Good Governance Principles
Kelola Perusahaan yang Baik dalam setiap kegiatan usaha in every Bank business activity at all organizational levels.
Bank pada seluruh tingkatan/jenjang organisasi.
d. Memastikan penerapan manajemen risiko telah memadai d. Ensure that the implementation of risk management is
sesuai dengan kebijakan manajemen risiko dan strategi adequate in accordance with risk management policies
manajemen risiko. and risk management strategies.
e. Memastikan bahwa Direksi telah menindaklanjuti temuan e. Ensure that the Board of Directors has followed up on
audit dan rekomendasi dari SKAI, auditor eksternal, audit findings and recommendations from SKAI, external
hasil pemeriksaan OJK, Bank Indonesia dan/atau hasil auditors, OJK, Bank Indonesia audit results and/or
pengawasan otoritas lainnya. supervision results from other authorities.
f. Melakukan evaluasi pelaksanaan fungsi kepatuhan Bank f. Evaluate the implementation of the Bank’s compliance
paling kurang 2 (dua) kali dalam satu tahun dengan function at least 2 (two) times a year by providing
memberikan saran-saran dalam rangka meningkatkan suggestions in order to improve the quality of the
kualitas pelaksanaan fungsi kepatuhan Bank kepada implementation of the Bank’s compliance function to the
Direktur Utama dengan tembusan kepada Direktur yang President Director with a copy to the Director in charge
membawahkan fungsi kepatuhan. of the compliance function.
g. Menumbuhkan budaya kepatuhan dan budaya anti fraud g. Fostering a culture of compliance and anti-fraud culture
pada seluruh jajaran organisasi. at all levels of the organization.
2. Dewan Komisaris tidak diperkenankan terlibat dalam 2. The Board of Commissioners is not permitted to be involved in
pengambilan keputusan kegiatan operasional Bank, kecuali making decisions on the Bank’s operational activities, except for
untuk penyediaan dana kepada pihak terkait dan hal-hal yang the provision of funds to related parties and matters regulated
diatur dalam Anggaran Dasar Bank atau peraturan perundang- in the Bank’s Articles of Association or applicable laws and
undangan yang berlaku. regulations.
3. Wewenang Dewan Komisaris: 3. Authority of the Board of Commissioners:
a. Memeriksa semua pembukuan, surat dan alat bukti lainnya. a. Examine all books, letters and other evidence.
b. Memeriksa dan mencocokan keadaan uang kas, surat b. Check and verify the condition of cash, securities and
berharga dan lain-lain. others.
c. Mengetahui segala tindakan yang telah dijalankan oleh c. Know all actions that have been carried out by the Board
Direksi. of Directors.
d. Memasuki bangunan dan halaman atau tempat lain yang d. Enter buildings and grounds or other places used or
dipergunakan atau yang dikuasai oleh Bank. controlled by the Bank.
e. Meminta Direksi dan/atau pejabat lainnya untuk memberikan e. Ask the Directors and/or other officials to provide
penjelasan tentang segala hal yang berhubungan dengan explanations regarding all matters relating to Bank
pengelolaan Bank. management.
f. Meminta Direksi dan/atau pejabat lainnya di bawah Direksi, f. Request the Directors and/or other officials under the
dengan sepengetahuan Direksi, untuk menghadiri rapat Directors, with the knowledge of the Directors, to attend
Dewan Komisaris. meetings of the Board of Commissioners.
g. Menghadiri rapat Direksi dan memberikan pandangan g. Attend Board of Directors meetings and provide views on
pandangan terhadap hal-hal yang dibicarakan dalam rapat. matters discussed at meetings.
h. Memberitahukan kepada OJK atas pelanggaran peraturan h. Notify OJK of violations of laws and regulations in the
2024 Annual Report & Sustainability Report
325
Page 328
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
perundang-undangan di bidang keuangan dan perbankan; financial and banking sector; and/or circumstances or
dan/atau keadaan atau perkiraan keadaan yang dapat predicted circumstances that could endanger the continuity
membahayakan kelangsungan usaha Bank. of the Bank’s business.
i. Menetapkan Batasan nilai perbuatan hukum Direksi yang i. Determine limits on the value of the Board of Directors’
memerlukan persetujuan tertulis Dewan Komisaris. legal actions that require written approval from the Board
of Commissioners.
j. Memberikan putusan terhadap usulan perbuatan hukum j. Provide decisions on proposed legal actions by the
Direksi yang memerlukan persetujuan Dewan Komisaris. Board of Directors that require approval from the Board
of Commissioners.
k. Memberikan tanggapan tertulis untuk memberikan k. Provide written responses to provide opinions and
pendapat dan saran kepada RUPS atas usulan perbuatan suggestions to the GMS regarding proposed legal actions
hukum yang akan dilaksanakan oleh Direksi yang akan to be implemented by the Board of Directors which will
diajukan kepada RUPS untuk mendapat persetujuan. be submitted to the GMS for approval.
l. Komisaris melalui rapat Dewan Komisaris, berdasarkan l. The Commissioners, through a meeting of the Board of
suara terbanyak berhak memberhentikan untuk sementara Commissioners, based on the majority vote, have the right
seorang atau lebih anggota Direksi dari jabatannya apabila to temporarily dismiss one or more members of the Board
anggota Direksi tersebut bertindak bertentangan dengan of Directors from their positions if the members of the Board
Anggaran Dasar dan/atau peraturan perundang-undangan of Directors act contrary to the Articles of Association and/
yang berlaku. Pemberhentian tersebut harus diberitahukan or applicable laws and regulations. The termination must be
kepada yang bersangkutan disertai dengan alasannya. notified to the person concerned along with the reasons.
m. Menunjuk salah seorang Direktur untuk menjalankan m. Appoint one of the Directors to carry out the vacant
pekerjaan Direktur yang lowong dengan memperhatikan Director’s work with due observance of applicable
ketentuan yang berlaku. regulations.
n. Menyelenggarakan RUPS paling lambat 90 (sembilan n. Hold a GMS no later than 90 (ninety) days after the
puluh) hari sesudah pemberhentian sementara tersebut temporary dismissal which will decide whether the relevant
yang akan memutuskan apakah Direksi yang bersangkutan Directors will be permanently dismissed or returned to their
akan diberhentikan seterusnya atau dikembalikan kepada original positions. Directors who were temporarily dismissed
kedudukannya semula. Direksi yang diberhentikan were given the opportunity to appear to defend themselves.
sementara itu diberi kesempatan untuk hadir guna
membela diri.
o. Apabila RUPS tersebut tidak dapat mengambil keputusan o. If the GMS cannot make a decision or is not held within a
atau tidak diadakan dalam jangka waktu paling lambat 90 period of no later than 90 (ninety) days after the temporary
(sembilan puluh) hari setelah pemberhentian sementara dismissal, then the temporary dismissal becomes null and
tersebut, maka pemberhentian sementara itu menjadi batal void and the person concerned has the right to return to
demi hukum dan yang bersangkutan berhak menjabat his or her original position.
kembali jabatannya semula.
4. Apabila seluruh anggota Direksi diberhentikan sementara dan 4. If all members of the Board of Directors are temporarily
Bank tidak mempunyai seorangpun anggota Direksi maka dismissed and the Bank does not have a single member of the
untuk sementara Dewan Komisaris diwajibkan untuk mengurus Board of Directors, the Board of Commissioners is temporarily
Bank. Dalam hal demikian Dewan Komisaris berhak untuk required to manage the Bank. In such cases the Board of
memberikan kekuasaan sementara kepada seorang atau lebih Commissioners has the right to grant temporary powers to
di antara mereka atas tanggungan mereka bersama. one or more of them at their collective expense.
Pembagian Tugas Pengawasan Dewan Komisaris Division of Supervisory Duties of the Board of
Commissioners
Allo Bank berupaya untuk memastikan seluruh tugas dan tanggung Allo Bank strives to ensure that all duties and responsibilities
jawab yang dilakukan oleh Insan Bank berjalan secara baik sesuai carried out by Bank personnel, including members of the Board
dengan kemampuan yang dimiliki, tak terkecuali bagi anggota of Commissioners, are performed effectively and in accordance
Dewan Komisaris. Untuk itu, Dewan Komisaris melaksanakan with their expertise. To achieve this, the Board of Commissioners
fungsi pengawasan sesuai dengan latar belakang yang dimiliki oleh carries out its supervisory function based on the background of each
masing-masing anggota agar pengawasan terhadap pengelolaan member, ensuring optimal supervision of the Bank’s management
Bank maupun implementasi strategi manajemen dapat berjalan and the implementation of strategic initiatives to achieve the Bank’s
secara optimal agar dapat mewujudkan tujuan Bank. Adapun objectives. The division of duties among the members of the Board
pembidangan tugas masing-masing anggota Dewan Komisaris of Commissioners is as follows:
adalah sebagai berikut:
326 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 329
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Nama Jabatan Bidang Tugas
Name Position Field of Duty
Aviliani Komisaris Utama Independen • Ketua Komite Audit
Independent President Commissioner • Ketua Komite Remunerasi dan Nominasi
• Chairwoman of Audit Committee
• Chairwoman of the Remuneration and Nomination
Committee
Rosmaya Komisaris Independen Ketua Komite Pemantau Risiko
Independent Commissioner Chairwoman of the Risk Oversight Committee
Ali Gunawan Komisaris Anggota Komite Remunerasi dan Nominasi
Commissioner Member of the Remuneration and Nomination Committee
Independensi Dewan Komisaris Independence of the Board of Commissioners
1. Mayoritas anggota Dewan Komisaris dilarang saling memiliki 1. The majority of the Board of Commissioners members are
hubungan keluarga sampai dengan derajat kedua dengan prohibited from having family relationships up to the second
sesama anggota Direksi dan/atau dengan anggota Dewan degree with other members of the Board of Directors and/or
Komisaris lain. with other members of the Board of Commissioners.
2. Mantan anggota Direksi atau Pejabat Eksekutif Bank atau 2. Former members of the Board of Directors or Executive Officers
pihak-pihak yang mempunyai hubungan dengan Bank, yang of the Bank, or parties who have relationships with the Bank that
dapat mempengaruhi kemampuan yang bersangkutan untuk can influence their ability to act independently, must undergo
bertindak independen, wajib menjalani masa tunggu (cooling a minimum cooling-off period of 1 (one) year before becoming
off) paling singkat 1 (satu) tahun sebelum menjadi Komisaris an Independent Commissioner at the Bank.
Independen pada Bank.
3. Ketentuan di atas tidak berlaku bagi mantan anggota Direksi 3. The above provision does not apply to former members of the
yang membawahi fungsi pengawasan atau Pejabat Eksekutif Board of Directors who are in charge of supervisory functions
yang melakukan fungsi pengawasan pada Bank. or Executive Officers who conduct supervisory functions at
the Bank.
4. Anggota Dewan Komisaris wajib menandatangani Surat 4. Members of the Board of Commissioners are required to sign
Pernyataan Independensi yang berlaku sesuai dengan periode a Declaration of Independence letter that applies according to
atau masa jabatan sebagaimana ditetapkan dalam RUPS. the period or term of office as determined in the GMS.
Program Orientasi bagi Anggota Dewan Komisaris Orientation Program for New Members of Board of
Baru Commissioners
Dalam hal terjadi perubahan susunan dan komposisi Dewan In the event of a change in the composition of the Board of
Komisaris, maka anggota Dewan Komisaris yang baru diangkat Commissioners, newly appointed members are required to
wajib mengikuti program pengenalan perusahaan sebagaimana participate in the company’s introduction program, as stipulated
diatur dalam BOC Charter. Program pengenalan tersebut dilakukan in the BOC Charter. This program is designed to provide an
untuk memberikan pemahaman mengenai tugas dan tanggung understanding of the duties and responsibilities of the Board
jawab sebagai anggota Dewan Komisaris agar dijalankan sebaik- of Commissioners, ensuring that they can carry out their roles
baiknya. Kegiatan ini juga bertujuan agar anggota Dewan Komisaris effectively. Additionally, it aims to familiarize members with the
dapat memahami latar belakang dan kegiatan usaha Bank agar Bank’s background and business activities, facilitating the effective
dapat mempermudah dan melancarkan pelaksanaan tugas Dewan execution of their supervisory duties.
Komisaris secara efektif.
Sehubungan dengan tidak adanya perubahan susunan dan Since there were no changes in the composition of the Board of
komposisi Dewan Komisaris sepanjang tahun 2024, maka Bank Commissioners in 2024, the Bank did not implement an introduction
tidak melaksanakan program pengenalan Dewan Komisaris baru. program for new members.
2024 Annual Report & Sustainability Report
327
Page 330
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Peningkatan Kompetensi Dewan Komisaris Competency Development of Board of Commissioners
Seluruh Dewan Komisaris Bank senantiasa mendapatkan pelatihan The Board of Commissioners regularly participates in training and
atau program pengembangan kompetensi untuk menunjang dan competency development programs to enhance their role and
mengoptimalkan peran serta fungsi Dewan Komisaris. Informasi effectiveness. Information regarding the competency improvement
terkait program peningkatan kompetensi yang dilakukan oleh programs undertaken by the Board of Commissioners in 2024 can
Dewan Komisaris pada tahun 2024 dapat dilihat pada Bab Profil be found in the Company Profile Chapter of this Annual Report.
Perusahaan dalam Laporan Tahunan ini.
Pelaksanaan Tugas Dewan Komisaris Tahun 2024 Implementation of Duties of the Board of
Commissioners in 2024
Sepanjang tahun 2024, Dewan Komisaris telah melakukan Throughout 2024, the Board of Commissioners supervised,
pengawasan, mengarahkan, memantau, mengevaluasi, dan directed, monitored, evaluated, and provided advice to the Board of
memberikan nasihat kepada Direksi terkait pelaksanaan kebijakan Directors regarding the implementation of strategic policies through:
strategis yang dilakukan melalui:
1. Hasil dan Rekomendasi Pelaksanaan Fungsi Kepatuhan Bank 1. Results and Recommendations for the Implementation of the
melalui Memo Dinas No. 005/KOMISARIS/24 tertanggal 30 Bank’s Compliance Function through Service Memo No. 005/
Agustus 2024. KOMISARIS/24 dated August 30, 2024.
2. Rekomendasi atas Rencana Bisnis Bank melalui Memo Dinas 2. Recommendations on the Bank’s Business Plan through Service
No. 008/KOMISARIS/24 tertanggal 25 November 2024 Memo No. 008/KOMISARIS/24 dated November 25, 2024.
Penilaian Kinerja Organ dan Komite Pendukung di Performance Assessment of Supporting Organs and
Bawah Dewan Komisaris Committees under Board of Commissioners
Dewan Komisaris turut dibantu oleh Komite di bawah Dewan The Board of Commissioners is assisted by Committees under its
Komisaris yang bertujuan untuk membantu pelaksanaan tugas authority, which are established to support the implementation of
dan fungsi pengawasan atas pengelolaan Bank. Dewan Komisaris supervisory duties and functions over the Bank’s management.
telah memiliki sejumlah Komite pendukung, antara lain Komite Audit, The Board of Commissioners has several supporting committees,
Komite Pemantau Risiko, serta Komite Remunerasi dan Nominasi. including the Audit Committee, Risk Oversight Committee, and
Remuneration and Nomination Committee.
Dewan Komisaris secara berkala melakukan evaluasi atas kinerja The Board of Commissioners periodically evaluates the performance
masing-masing komite berdasarkan kriteria yang telah ditetapkan of each committee based on the criteria set by the Remuneration and
oleh Komite Remunerasi dan Nominasi. Berdasarkan evaluasi yang Nomination Committee. Based on the evaluations conducted, the
telah dilakukan, Dewan Komisaris menilai bahwa seluruh Komite di Board of Commissioners has determined that all Committees under
bawah Dewan Komisaris telah menjalankan tugas dan tanggung its authority effectively carried out their duties and responsibilities
jawabnya secara baik di sepanjang tahun 2024. throughout 2024.
328 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 331
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Komisaris
Independen Independent Commissioner
Komisaris Independen merupakan anggota Independent Commissioner is a member of the
Dewan Komisaris yang tidak memiliki hubungan Board of Commissioners who does not have any
keuangan, kepengurusan, kepemilikan financial, managerial, share ownership, and/or
saham dan/atau hubungan keluarga dengan family relationships with the members of the
anggota Dewan Komisaris, anggota Direksi Board of Commissioners, members of the Board
dan/atau pemegang saham pengendali atau of Directors, and/or controlling shareholders
dengan Bank yang mungkin menghalangi or with the Bank that may impede or hinder
atau menghambat posisinya untuk bertindak their ability to act independently in accordance
independen sesuai dengan prinsip-prinsip with the principles of GCG. Independent
GCG. Komisaris Independen diangkat oleh Commissioners are appointed by the GMS
RUPS dan tidak memiliki hubungan afiliasi and have no affiliation with interested parties,
dengan pihak yang berkepentingan, terutama especially majority shareholders, members of
pemegang saham mayoritas, anggota Direksi, the Board of Directors, and/or members of the
dan/atau anggota Dewan Komisaris. Board of Commissioners.
Di tahun 2024, Bank memiliki 2 (dua) orang In 2024, the Bank had two (2) Independent
Komisaris Independen dari total 3 (tiga) Commissioners out of a total of three (3)
orang anggota Dewan Komisaris. Komposisi members on the Board of Commissioners.
ini telah sesuai dengan ketentuan Pasal 20 This composition complies with Article 20,
ayat (3) POJK 33/2014 yang mengatur syarat Paragraph (3) of POJK 33/2014, which requires
minimal Komisaris Independen yang berjumlah that at least 30% of the Board of Commissioners
sekurang-kurangnya 30% dari anggota Dewan consist of Independent Commissioners.
Komisaris perusahaan.
Kriteria Penentuan Komisaris Criteria for Determining Independent
Independen Commissioners
Komisaris Independen wajib memenuhi Independent Commissioners are required to
persyaratan umum Dewan Komisaris serta fulfill the general requirements of the Board of
beberapa kriteria lainnya, yaitu: Commissioners as well as several other criteria,
namely:
1. Penunjukan Komisaris sebagai Komisaris 1. The appointment of a Commissioner as an
I n d e p e n d e n h a r us m e n d a p a t k a n Independent Commissioner must obtain
persetujuan OJK. approval from the OJK.
2. Bukan merupakan orang yang bekerja 2. They are not a person who works or has
atau mempunyai wewenang dan tanggung the responsibility to plan, lead, control or
jawab untuk merencanakan, memimpin, supervise the Bank’s activities within the last
mengendalikan atau mengawasi kegiatan 6 (six) months, except for reappointment
Bank dalam waktu 6 (enam) bulan terakhir, as an Independent Commissioner in the
kecuali untuk pengangkatan kembali following period.
sebagai Komisaris Independen pada
periode berikutnya.
3. Tidak mempunyai saham baik langsung 3. They do not own shares, either directly or
maupun tidak langsung pada Bank. indirectly, in the Bank.
4. Tidak mempunyai hubungan afiliasi dengan 4. They do not have affiliation with the Bank,
Bank, anggota Dewan Komisaris, anggota members of the Board of Commissioners,
Direksi atau Pemegang Saham Utama Bank. members of the Board of Directors or the
Bank’s Controlling Shareholders.
2024 Annual Report & Sustainability Report
329
Page 332
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
5. Tidak mempunyai hubungan usaha baik langsung maupun 5. They do not have any direct or indirect business relationships
tidak langsung yang berkaitan dengan kegiatan Bank. related to Bank activities.
6. Tidak memiliki hubungan keluarga dengan Dewan Komisaris, 6. They do not have any family relationship with the Board
Direksi dan Pemegang Saham Pengendali Bank. of Commissioners, the Board of Directors and Controlling
Shareholders of the Bank.
7. Komisaris Independen yang telah menjabat selama 2 (dua) 7. Independent Commissioners who have served for 2 (two) terms
periode masa jabatan dapat diangkat kembali pada periode of office may be reappointed in the next period as long as:
selanjutnya sepanjang:
a. Rapat Dewan Komisaris menilai bahwa Komisaris a. The Board of Commissioners assesses that Independent
Independen tetap dapat bertindak independen Commissioners can still act independently
b. Komisaris Independen tersebut menyatakan dirinya tetap b. The Independent Commissioner stated that he remained
independen dalam RUPS independent at the GMS
c. Menandatangani Surat Pernyataan Independen dan hal c. Sign an Independent Statement Letter and this is disclosed
ini diungkapkan dalam Laporan Pelaksanaan Tata Kelola. in the Governance Implementation Report.
8. Dalam hal Komisaris Independen menjabat pada Komite Audit, 8. In the event that an Independent Commissioner serves on the
Komisaris Independen yang bersangkutan hanya dapat diangkat Audit Committee, the Independent Commissioner concerned
kembali pada Komite Audit untuk 1 (satu) periode masa jabatan can only be reappointed on the Audit Committee for 1 (one)
Komite Audit berikutnya. subsequent term of office on the Audit Committee.
9. Komisaris Non Independen dapat beralih menjadi Komisaris 9. Non-Independent Commissioners may transition to become
Independen setelah memenuhi persyaratan sebagai Komisaris Independent Commissioners after fulfilling the requirements as
Independen. Komisaris Non Independen yang akan beralih Independent Commissioners. Non-Independent Commissioners
menjadi Komisaris Independen wajib menjalani masa tunggu who will transition to become Independent Commissioners are
(cooling off) paling singkat 6 (enam) bulan. Peralihan dari required to undergo a cooling off period of at least 6 (six)
Komisaris Non Independen menjadi Komisaris Independen months. The transition from Non-Independent Commissioner
wajib memperoleh persetujuan OJK. to Independent Commissioner must obtain OJK approval.
10. Mantan anggota Direksi atau Pejabat Eksekutif Bank atau 10. Former members of the Board of Directors or Executive Officers
pihak-pihak yang mempunyai hubungan dengan Bank, yang of the Bank or parties who have a relationship with the Bank,
dapat mempengaruhi kemampuan yang bersangkutan untuk who can influence the ability of the person concerned to act
bertindak independen wajib menjalani masa tunggu (cooling independently must undergo a cooling off period of at least
off) paling singkat 1 (satu) tahun sebelum menjadi Komisaris 1 (one) year before becoming an Independent Commissioner
Independen pada Bank yang bersangkutan. at the Bank in question. concerned.
11. Memiliki Sertifikasi Manajemen Risiko minimal Jenjang 6. 11. They must have a minimum Risk Management Certification
Level 6.
Komposisi dan Jumlah Komisaris Independen Composition and Number of Independent Commissioners
Hingga 31 Desember 2024, jumlah Komisaris Independen Bank As of December 31, 2024, the number of Independent
terdiri dari 2 (dua) orang dari jumlah keseluruhan anggota Dewan Commissioners of the Bank consisted of 2 (two) people out of the
Komisaris yang sebanyak 3 (tiga) orang. Adapun Komisaris total number of members of the Board of Commissioners which
Independen Bank terdiri dari: was 3 (three) people. The Bank’s Independent Commissioners
are as follows:
1. Ibu Aviliani yang diangkat berdasarkan Surat Keputusan Deputi 1. Mrs. Aviliani who was appointed based on the Decree of the
Komisioner Pengawas Perbankan I, OJK No. KEP-24/PB.1/2022 Deputy Commissioner for Banking Supervision I, OJK No.
tanggal 09 Juni 2022. KEP-24/PB.1/2022 dated June 9, 2022
2. Ibu Rosmaya yang diangkat berdasarkan Surat Keputusan 2. Mrs. Rosmaya who was appointed based on the Decree of
Deputi Komisioner Pengawas Perbankan I, OJK No. KEP- 41/ the Deputy Commissioner for Banking Supervision I, OJK No.
PB.1/2022 tanggal 16 Agustus 2022. KEP- 41/PB.1/2022 dated August 16, 2022
330 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 333
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Pernyataan Independensi Independence Statement
Seluruh Komisaris Independen Allo Bank telah membuat Surat All Independent Commissioners of Allo Bank have prepared a
Pernyataan Independensi dan telah disampaikan kepada OJK. Di Statement of Independence and have submitted it to the OJK.
samping itu, anggota Dewan Komisaris juga berkewajiban untuk In addition, members of the Board of Commissioners are also
melapor apabila terjadi perubahan status yang mempengaruhi obliged to report if there is a change in status that affects their
independensinya serta memastikan praktik ini telah dilaksanakan independence and ensure that this practice has been implemented
sesuai dengan prinsip GCG. in accordance with GCG principles.
Surat Pernyataan Independensi Komisaris Independen
Independent Statement Letter of Independent Commissioner
2024 Annual Report & Sustainability Report
331
Page 334
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Direksi Board of Directors
Direksi adalah organ utama yang secara kolektif The Board of Directors is the main organ that
berwenang dan bertanggung jawab penuh atas collectively holds full authority and responsibility
pengurusan perusahaan sesuai dengan maksud for managing the company in accordance with
dan tujuan untuk kepentingan Bank. Direksi its objectives and in the best interest of the
juga bertanggung jawab mewakili Bank, baik di Bank. The Board of Directors is also responsible
dalam maupun di luar pengadilan sesuai dengan for representing the Bank both in and outside
ketentuan Anggaran Dasar dan ketentuan the court, in accordance with the provisions
peraturan perundangan-undangan. Direksi juga of the Articles of Association and applicable
memiliki wewenang untuk mengatur jalannya laws and regulations. Additionally, the Board
Bank, mengambil tindakan dan kebijakan yang of Directors has the authority to regulate the
dianggap perlu untuk memastikan kelancaran Bank’s operations, implement policies, and
operasional Bank dengan memperhatikan aspek take necessary actions to ensure the smooth
efisiensi dan efektivitas. functioning of the Bank while considering
aspects of efficiency and effectiveness.
S e t i a p a n g g o t a D i re k s i j u g a wa j i b Each member of the Board of Directors
menjalakan fungsi pengurusan perusahaan is required to manage the company while
dengan mengedepankan prinsip-prinsip upholding the principles of professionalism,
profesionalisme, efisiensi, transparansi, efficiency, transparency, independence,
kemandirian, akuntabilitas, pertanggungjawaban accountability, responsibility, and fairness, in
serta kewajaran sesuai dengan prinsip tata accordance with the governance principles
kelola yang diadopsi oleh Bank. Setiap anggota adopted by the Bank. Furthermore, each
Direksi Bank juga wajib melaksanakan tugas dan member of the Board of Directors must perform
tanggung jawabnya dengan itikad baik, penuh their duties and responsibilities with good faith,
tanggung jawab, dan kehati-hatian, sesuai full accountability, and prudence, in compliance
dengan perundang-undangan yang berlaku. with applicable laws and regulations.
Persyaratan Anggota Direksi Requirements for Members of the
Board of Directors
1. Setiap anggota Direksi harus memenuhi 1. Each member of the Board of Directors
persyaratan penilaian kemampuan dan must meet the requirements for assessing
kepatutan sesuai Peraturan OJK mengenai their ability and suitability according to the
Penilaian Kemampuan dan Kepatutan OJK Regulation regarding the Assessment
bagi Dewan Komisaris dan Direksi, yaitu of Capability and Suitability for the Board
persyaratan integritas, kompetensi dan of Commissioners and Board of Directors,
reputasi keuangan. Persyaratan tersebut including requirements for integrity,
harus dipenuhi anggota Direksi pada saat competence, and financial reputation. These
diangkat dan selama menjabat. requirements must be met by the member
of the Board of Directors at the time of
appointment and throughout their tenure.
2. Persyaratan integritas yang harus dipenuhi, 2. The integrity requirements that must be
antara lain: met include:
a. Memiliki akhlak dan moral yang baik, a. Have good ethics and morals,
paling sedikit ditunjukan dengan sikap demonstrated at least by adhering to
mematuhi ketentuan yang berlaku, applicable regulations, including not
termasuk tidak pernah dihukum karena having been convicted of a criminal
terbukti melakukan tindak pidana offense within a certain period before
dalam jangka waktu tertentu sebelum being nominated.
dicalonkan.
332 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 335
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
b. Cakap melakukan perbuatan hukum. b. Capable of performing legal actions.
c. Memiliki komitmen untuk mematuhi peraturan perundang- c. Have a commitment to complying with applicable laws
undangan dan mendukung kebijakan regulator yang and regulations and supporting the policies of the relevant
berlaku. regulators.
d. Memiliki komitmen terhadap pengembangan operasional d. Have a commitment to the development of a healthy Bank
Bank yang sehat. operation.
e. Tidak sedang dalam proses hukum dan/atau proses uji e. Not involved in legal proceedings and/or capability and
kemampuan dan kepatutan pada suatu Bank. suitability assessments at another Bank.
f. Tidak termasuk sebagai pihak yang dilarang untuk menjadi f. Not included in the list of prohibited individuals from serving
Direksi. as a Director.
g. Memiliki komitmen untuk tidak melakukan dan/atau g. Have a commitment to not engage in or repeat certain
mengulangi perbuatan dan/atau tindakan tertentu, bagi actions or behaviors for candidates for the Board of
calon Direksi yang pernah memiliki predikat tidak lulus Directors who have previously been designated as failing
dalam uji kemampuan dan kepatutan dan telah menjalani the fit and proper test and have undergone a period of
masa sanksi. sanctions.
3. Persyaratan kompetensi yang harus dipenuhi, antara lain: 3. The competence requirements that must be met include:
a. Memiliki pengetahuan di bidang perbankan dan/atau a. Have adequate knowledge in the field of banking and/or
bidang keuangan yang memadai dan relevan dengan finance that is relevant to their position.
jabatannya.
b. Memiliki pengalaman dan keahlian di bidang perbankan b. Have experience and expertise in the field of banking
dan/atau bidang keuangan. and/ or finance.
c. Memiliki kemampuan untuk melakukan pengelolaan c. Have the ability to conduct strategic management in order
strategis dalam rangka pengembangan Bank yang sehat. to develop a healthy Bank.
d. Mayoritas anggota Direksi wajib memiliki pengalaman d. The majority of the members of the Board of Directors must
paling sedikit 5 (lima) tahun di bidang operasional Bank have at least 5 (five) years of experience in the operational
dan paling rendah sebagai Pejabat Eksekutif bank. aspects of a bank and at least as an Executive Officer of
a bank.
e. Memiliki Sertifikasi Manajemen Risiko level 5 atau setara e. Have Risk Management Certification up to level 5, or
jenjang 7. equivalent to level 7
4. Persyaratan reputasi keuangan yang harus dipenuhi, antara lain: 4. The financial reputation requirements that must be met include:
a. Tidak memiliki kredit macet, dan a. Don’t have non-performing loans, and
b. Tidak pernah dinyatakan pailit atau menjadi Direksi yang b. Have not been declared bankrupt or become a Director
dinyatakan bersalah menyebabkan suatu perseroan who has been found guilty of causing a company to be
dinyatakan pailit, dalam jangka waktu 5 (lima) tahun terakhir declared bankrupt, within the last 5 (five) years prior to
sebelum dicalonkan. the nomination.
5. Tidak pernah menjadi anggota Dewan Komisaris dan/atau 5. Have never been a member of the Board of Commissioners
Direksi yang selama menjabat: and/or Board of Directors who, during their tenure:
a. Pernah dihukum karena melakukan tindak pidana yang a. Have been convicted of a criminal offense that has harmed
merugikan keuangan negara dan/atau yang berkaitan the state’s finances and/or is related to the financial sector.
dengan sektor keuangan.
b. Pernah tidak menyelenggarakan RUPS tahunan. b. Have failed to hold an annual GMS.
c. Pertanggungjawabannya sebagai anggota Direksi pernah c. Have had their accountability as a member of the Board
tidak diterima oleh RUPS atau pernah tidak memberikan of Directors rejected by the GMS or have failed to provide
pertanggungjawaban sebagai anggota Direksi kepada accountability as a member of the Board of Directors to
RUPS, dan the GMS, and
d. Pernah menyebabkan perusahaan yang memperoleh izin, d. Have caused a company that has obtained a permit,
persetujuan atau pendaftaran dari OJK tidak memenuhi approval, or registration from the OJK to fail to fulfill its
kewajiban menyampaikan Laporan Tahunan dan/atau obligations to submit Annual Reports and/or Financial
Laporan Keuangan kepada OJK. Statements to the OJK.
2024 Annual Report & Sustainability Report
333
Page 336
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Persyaratan Direktur Kepatuhan Requirements of Compliance Director
Selain memenuhi kriteria umum bagi anggota Direksi, Direktur Apart from meeting the general criteria for members of the Board
yang membawahi fungsi kepatuhan juga wajib memenuhi sejumlah of Directors, the Director in charge of the compliance function is
persyaratan sebagai berikut: also required to fulfill a number of requirements as follows:
1. Memenuhi persyaratan independensi. 1. Fulfill independence requirements.
2. Direktur utama dan/atau wakil direktur utama dilarang 2. The President Director is prohibited from holding concurrent
merangkap jabatan sebagai direktur yang membawahkan positions as Director in charge of the compliance function.
Fungsi Kepatuhan.
3. Dilarang membawahi fungsi: Bisnis, Operasional, Manajemen 3. Prohibited from being in charge of functions: Business,
Risiko yang melakukan pengambilan keputusan pada kegiatan Operations, Risk Management which makes decisions on Bank
usaha Bank, treasury, keuangan dan akuntansi, logistik dan business activities, treasury, finance and accounting, logistics
pengadaan barang/jasa, teknologi informasi dan/atau audit and procurement of goods/services, information technology
internal. and internal audit.
Pengangkatan Anggota Direksi Appointment of Members of the Board of Directors
1. Anggota Direksi diangkat berdasarkan keputusan RUPS. 1. Board of Directors members are appointed based on the
decision of the GMS.
2. Anggota Direksi diangkat untuk masa jabatan tertentu dan 2. Board of Directors members are appointed for a specific term
dapat diangkat kembali. and may be reappointed.
3. Satu periode masa jabatan anggota Direksi paling lama 5 (lima) 3. The maximum term for a Board of Directors member is 5 (five)
tahun atau sampai dengan penutupan RUPS tahunan pada years or until the end of 1 (one) term period, which ends with
akhir 1 (satu) periode masa jabatan dimaksud. the annual GMS meeting.
4. Usulan penggantian dan/atau pengangkatan anggota Direksi 4. Proposals for the replacement and/or appointment of Board
oleh Dewan Komisaris dalam RUPS, harus memperhatikan of Directors members by the Board of Commissioners in GMS,
rekomendasi dari Komite Remunerasi dan Nominasi. must consider the recommendations of the Remuneration and
Nomination Committee.
5. Persyaratan pengangkatan Direksi yang merupakan tenaga kerja 5. The appointment requirements for foreign workers who serve
asing harus tunduk kepada ketentuan tentang Pemanfaatan as Board of Directors members must comply with the provisions
Tenaga Kerja Asing dan Program Alih Pengetahuan on the Utilization of Foreign Workers and Knowledge Transfer
sebagaimana diatur dalam Peraturan OJK serta ketentuan Program as stipulated by the OJK regulation and other relevant
instansi terkait lainnya. agencies.
6. Honorarium dan/atau tunjangan Direksi ditentukan dalam RUPS. 6. The honorarium and/or benefits for Board of Directors members
are determined at GMS.
Pengunduran Diri Anggota Direksi & Pergantian Resignation and Replacement of Directors
Anggota Direksi
1. Anggota Direksi dapat mengundurkan diri dari jabatannya 1. Members of the Board of Directors may resign from their
sebelum masa jabatannya berakhir. positions before their term of office ends.
2. Masa jabatan Direksi berakhir dengan sendirinya apabila Direksi 2. The term of office of a Director ends automatically if the
tersebut: Director:
a. Mengundurkan diri dengan pemberitahuan secara tertulis; a. Resign with written notification;
b. Tidak lagi memenuhi persyaratan perundang-undangan b. No longer meets applicable statutory requirements;
yang berlaku;
c. Meninggal dunia; c. Passes away;
d. Diberhentikan berdasarkan keputusan RUPS; d. Dismissed based on GMS decision;
e. Dinyatakan pailit atau ditaruh dibawah pengampuan e. Declared bankrupt or placed under guardianship based
berdasarkan suatu penetapan Pengadilan; on a court decision;
f. Terbukti terlibat dalam kejahatan keuangan. f. Proven to be involved in financial crimes.
3. Direksi berhak mengundurkan diri dari jabatannya dengan 3. Directors have the right to resign from their positions by
memberitahukan secara tertulis kepada Bank selambat notifying the Bank in writing no later than 90 (ninety) days
lambatnya 90 (sembilan puluh) hari sebelum tanggal before the date of their resignation.
pengunduran dirinya.
334 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 337
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
4. Bank wajib menyelenggarakan RUPS untuk memutuskan 4. The Bank is obliged to hold a GMS to decide on the request for
permohonan pengunduran diri anggota Direksi dimaksud resignation of the member of the Board of Directors no later
paling lambat 90 (sembilan puluh) hari setelah diterimanya than 90 (ninety) days after receipt of the letter of resignation.
surat pengunduran diri tersebut.
5. Apabila anggota Direksi mengundurkan diri sehingga 5. If a member of the Board of Directors resigns resulting in the
mengakibatkan jumlah anggota Direksi menjadi kurang dari number of members of the Board of Directors being less than
3 (tiga) orang, maka pengunduran diri tersebut sah apabila 3 (three) people, then the resignation is valid if it has been
telah ditetapkan dalam RUPS dan telah diangkat anggota determined in the GMS and new members of the Board of
Direksi yang baru sehingga memenuhi persyaratan minimal Directors have been appointed so that it meets the minimum
jumlah anggota Direksi. requirements for the number of members of the Board of
Directors.
6. RUPS dapat mengangkat orang lain untuk mengisi jabatan 6. The GMS may appoint another person to fill the position of a
seorang Direktur yang diberhentikan dari jabatannya atau Director who is dismissed from his position or to fill a vacancy.
untuk mengisi suatu lowongan. Masa jabatan seorang yang The term of office of a person appointed to replace a member
diangkat untuk menggantikan anggota Direksi yang berhenti of the Board of Directors who has resigned or filled a vacancy
atau mengisi lowongan adalah selama sisa jangka waktu masa is for the remaining term of office of the member of the Board
jabatan anggota Direksi yang diberhentikan atau digantikan of Directors who has been dismissed or replaced.
tersebut.
7. Bagi Direktur Utama dan/atau Direktur Kepatuhan, 7. For the President Director and/or Compliance Director,
pemberhentian, penggantian dan/atau pengunduran diri dismissal, replacement and/or resignation before the end of
sebelum masa jabatan berakhir harus mendapatkan persetujuan the term of office must obtain prior approval from the OJK
terlebih dahulu dari OJK sebelum diputuskan dalam RUPS: before being decided at the GMS:
a. Penyampaian permohonan kepada OJK sebagaimana a. Submission of the application to the OJK as intended is
dimaksud disampaikan Bank paling lama 1 (satu) bulan submitted by the Bank no later than 1 (one) month before
sebelum rencana pelaksanaan RUPS yang memuat the planned implementation of the GMS which contains
agenda pemberhentian atau penggantian Direktur Utama the agenda for dismissal or replacement of the President
dan/atau direktur yang membawahi fungsi kepatuhan, Director and/or director in charge of the compliance
dengan memuat: (i) alasan/pertimbangan pemberhentian, function, by including: (i) reasons/considerations for
penggantian dan/atau pengunduran diri; (ii) Profil calon dismissal, replacement and/or resignation; (ii) The profile
pengganti yang dinilai memenuhi persyaratan untuk of the replacement candidate who is deemed to meet the
dilakukan penilaian kemampuan dan kepatutan requirements for a fit and proper test
b. Bilamana OJK menilai rencana dimaksud tidak layak maka: b. If OJK assesses that the plan is not feasible then: (i) The
(i) Rencana tersebut tidak disetujui OJK; (ii) Bank dilarang plan is not approved by OJK; (ii) Banks are prohibited from
memuat agenda tersebut dalam RUPS. including this agenda in the GMS.
8. Bank wajib menyampaikan kepada OJK dan melakukan 8. The Bank is required to submit information to the OJK and
keterbukaan informasi paling lambat 2 (dua) hari kerja setelah: disclose information no later than 2 (two) working days after:
a. Diterimanya permohonan pengunduran diri anggota a. Acceptance of resignation requests from members of the
Direksi. Board of Directors.
b. Dilakukan penyelenggaraan RUPS. b. A GMS was held.
9. Selain Anggaran Dasar Perusahaan, pengunduran diri anggota 9. In addition to the Company’s Articles of Association, resignation
Direksi juga tunduk kepada ketentuan OJK dan/atau aturan of members of the Board of Directors is also subject to OJK
otoritas terkait lainnya. provisions and/or other relevant authority regulations.
Pemberhentian Sementara Anggota Direksi Temporary Suspension of Board of Directors Member
1. Anggota Direksi dapat diberhentikan untuk sementara oleh 1. A Board of Directors member may be temporarily suspended
Dewan Komisaris dengan menyebutkan alasannya. by the Board of Commissioners by stating the reasons.
2. Pemberhentian sementara wajib diberitahukan secara tertulis 2. The temporary suspension must be notified in writing to the
kepada anggota Direksi yang bersangkutan. respective Board of Directors member.
3. Dewan Komisaris harus menyelenggarakan RUPS untuk 3. The Board of Commissioners must convene a General Meeting
mencabut atau menguatkan keputusan pemberhentian of Shareholders to revoke or confirm the temporary suspension
sementara tersebut. decision.
4. RUPS harus diselenggarakan dalam jangka waktu paling 4. The General Meeting of Shareholders must be held no later than
lambat 90 (sembilan puluh) hari setelah tanggal pemberhentian 90 (ninety) days after the date of the temporary suspension.
sementara.
2024 Annual Report & Sustainability Report
335
Page 338
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
5. Dalam RUPS anggota Direksi yang bersangkutan diberi 5. In the General Meeting of Shareholders, the respective Board
kesempatan untuk membela diri. of Directors member shall be given an opportunity to defend
himself or herself.
6. Dengan lampauan jangka waktu penyelenggaraan RUPS atau 6. If the General Meeting of Shareholders (GMS) fails to make a
RUPS tidak dapat mengambil keputusan, pemberhentian decision or does not take place within the specified period,
sementara menjadi batal. the temporary suspension of a Board of Directors member
will be revoked.
7. Anggota Direksi yang diberhentikan untuk sementara tidak 7. A temporarily suspended Board of Directors member is not
berwenang: authorized to:
a. Menjalankan pengurusan Bank untuk kepentingan Bank a. Conduct the management of the Bank for the benefit of
sesuai dengan maksud dan tujuan Bank the Bank in accordance with the Bank’s objectives and
purposes.
b. Mewakili Bank di dalam maupun di luar pengadilan. b. Represent the Bank in or outside the court.
8. Pembatasan kewenangan berlaku sejak keputusan 8. The authority restrictions are in effect from the temporary
pemberhentian sementara oleh Dewan Komisaris sampai suspension decision by the Board of Commissioners until
dengan terdapat keputusan RUPS yang menguatkan atau there is a GMS decision that confirms or cancels the temporary
membatalkan pemberhentian sementara atau lampaunya suspension or until the expiration of the GMS holding period.
jangka waktu penyelenggaraan RUPS.
9. Bank wajib melakukan keterbukaan informasi kepada masyarakat 9. The Bank is obliged to disclose information to the public and
dan menyampaikan kepada OJK mengenai keputusan report to the OJK regarding the decision of the temporary
pemberhentian sementara dan hasil penyelenggaraan RUPS suspension and the results of the GMS or information on
atau informasi mengenai batalnya pemberhentian sementara the revocation of the temporary suspension by the Board of
oleh Dewan Komisaris karena tidak terselenggaranya RUPS Commissioners due to the failure to hold the GMS until the
sampai dengan lampaunya jangka waktu, paling lambat 2 (dua) holding period expires, no later than 2 (two) working days
hari kerja setelah terjadinya peristiwa tersebut. after the event.
Pengangkatan, Pemberhentian, dan Pengunduran Diri Appointment, Termination, and Resignation of
Direktur yang Membawahi Fungsi Kepatuhan Director in Charge of Compliance Function
1. Pengangkatan, pemberhentian dan/atau pengunduran diri 1. The appointment, dismissal and/or resignation of the Director of
Direktur Kepatuhan mengacu pada ketentuan mengenai Compliance refers to the provisions regarding the appointment,
pengangkatan, pemberhentian dan/atau pengunduran diri dismissal and/or resignation of members of the Board of
anggota Direksi sebagaimana ketentuan di atas. Directors as stipulated above.
2. Dalam hal direktur yang membawahkan Fungsi Kepatuhan 2. In the event that the director in charge of the Compliance
berhalangan sementara sehingga tidak dapat menjalankan Function is temporarily unable to perform their duties for more
tugas jabatannya selama lebih dari 7 (tujuh) hari kerja berturut- than seven (7) consecutive working days, their responsibilities
turut, pelaksanaan tugas yang bersangkutan wajib digantikan must be temporarily assigned to another director until they
sementara oleh direktur lain sampai dengan direktur yang can resume their duties.
membawahkan Fungsi Kepatuhan dapat menjalankan tugas
jabatannya kembali.
3. Dalam hal direktur yang membawahkan Fungsi Kepatuhan 3. In the event that the director in charge of the Compliance
berhalangan tetap, mengundurkan diri, atau habis masa Function is permanently unable to serve, resigns, or their term
jabatannya, Bank wajib segera mengangkat pengganti expires, the Bank must appoint a replacement no later than
direktur yang membawahkan Fungsi Kepatuhan, paling lama six (6) months after the director in charge of the Compliance
6 (enam) bulan setelah direktur yang membawahkan Fungsi Function is permanently unable to serve, resigns, or their term
Kepatuhan berhalangan tetap, mengundurkan diri, atau habis expires.
masa jabatannya.
4. Selama dalam proses penggantian direktur yang membawahkan 4. During the replacement process, as referred to in point (3), the
Fungsi Kepatuhan sebagaimana dimaksud pada poin (3), Bank must assign another director to temporarily assume the
Bank wajib menunjuk atau menugaskan salah satu direktur Compliance Function Director’s duties.
lainnya untuk sementara melaksanakan tugas direktur yang
membawahkan Fungsi Kepatuhan.
5. Direktur yang melaksanakan tugas sementara sebagai 5. Directors who temporarily assume the role of the Director of
direktur yang membawahkan Fungsi Kepatuhan, baik karena Compliance, either due to temporary incapacity as referred
berhalangan sementara sebagaimana dimaksud pada poin to in point (2) or permanent incapacity, resignation, or the
(2) maupun berhalangan tetap, mengundurkan diri, atau expiration of their term of office as referred to in point (4), must
336 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 339
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
habis masa jabatannya sebagaimana dimaksud pada poin comply with regulations concerning dual positions, ensuring
(4), harus memenuhi ketentuan mengenai rangkap jabatan that they do not hold responsibilities in areas such as the Bank’s
sesuai ketentuan dan larangan membawahkan fungsi bisnis dan business activities, treasury, finance and accounting, logistics
operasional; manajemen risiko yang melakukan pengambilan and procurement of goods or service, information technology,
keputusan pada kegiatan usaha Bank; tresuri; keuangan dan and/or internal audit.
akuntansi; logistik dan pengadaan barang atau jasa; teknologi
informasi; dan/atau audit intern.
6. Dalam hal Direktur lain sebagai pengganti tidak ada yang 6. In the event that no other director meets the necessary
memenuhi ketentuan, maka jabatan Direktur Kepatuhan dapat qualifications, the position of Director of Compliance may be
dirangkap sementara oleh Direktur lainnya yang membawahi temporarily held by a director overseeing business, operational,
fungsi-fungsi bisnis, operasional, manajemen risiko yang risk management, that make decisions on the Bank’s business
melakukan pengambilan keputusan pada kegiatan usaha Bank, activities, treasury, finance and accounting, logistics and
treasury, keuangan dan akuntansi, logistic dan pengadaan procurement of goods and service, information technology,
barang/jasa, teknologi informasi atau audit internal. or internal audit.
7. Dalam hal anggota Direksi hanya terdiri dari 1 (satu) orang 7. In the event that the Board of Directors consists of only one
direktur, tugas dan tanggung jawab direktur yang membawahi (1) director, the Head of the Bank’s Compliance Work Unit will
fungsi kepatuhan dilaksanakan oleh kepala satuan kerja assume the Compliance Function Director’s responsibilities for
kepatuhan Bank paling lama 6 (enam) bulan. a maximum of six (6) months.
8. Penggantian sementara jabatan Direktur Kepatuhan wajib 8. The temporary replacement of the Compliance Director must
dilaporkan kepada OJK. be reported to OJK.
Susunan dan Dasar Pengangkatan Direksi Tahun Composition and Basis of Appointment of the Board
2024 of Directors in 2024
Komposisi Direksi Bank telah disusun sedemikian rupa guna The composition of the Bank’s Board of Directors is structured to
memastikan setiap anggota Direksi telah memiliki integritas dan ensure that each member possesses integrity and competence,
kompetensi yang tepat sehingga memungkinkan pengambilan enabling effective, accurate, and prompt decision-making while
keputusan dapat dilakukan secara efektif, tepat dan cepat, serta maintaining independence. As of December 31, 2024, the
dapat bertindak independen. Sampai dengan 31 Desember composition of Allo Bank’s Board of Directors has remained
2024, susunan dan komposisi Direksi Allo Bank tidak mengalami unchanged. The composition of the Bank’s Board of Directors
perubahan. Adapun komposisi Direksi Bank adalah sebagai berikut: is as follows:
Periode
Nama Jabatan Dasar Pengangkatan Masa Jabatan Jabatan
Name Position Basis of Appointment Term of Office
Period
Indra Utoyo Direktur Utama RUPS Tahunan 19 Mei 2022 RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027
President Director Annual GMS May 19, 2022 Annual GMS May 31, 2024 2024 - Annual GMS 2027
Ari Yanuanto Asah Direktur RUPS Luar Biasa 29 Januari RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027
Director 2021 Annual GMS May 31, 2024 2024 - Annual GMS 2027
Extraordinary GMS January
29, 2021
Arief Tendeas Direktur RUPS Luar Biasa 29 Januari RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027
Director 2021 Annual GMS May 31, 2024 2024 - Annual GMS 2027
Extraordinary GMS January
29, 2021
Ganda Raharja Direktur RUPS Luar Biasa 15 Oktober RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027
Rusli Director 2021 Annual GMS May 31, 2024 2024 - Annual GMS 2027
Extraordinary GMS October
15, 2021
Sajal Bhatnagar Direktur RUPS Tahunan 19 Mei 2022 RUPS Tahunan 31 Mei 2024 2024 - RUPS Tahunan Tahun 2027
Director Annual GMS May 19, 2022 Annual GMS May 31, 2024 2024 - Annual GMS 2027
Profil masing-masing Direksi Allo Bank dapat dilihat pada Bab The profile of each Allo Bank Director can be seen in the Company
Profil Perusahaan dalam Laporan Tahunan ini. Profile Chapter in this Annual Report.
2024 Annual Report & Sustainability Report
337
Page 340
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Penilaian Kelayakan dan Kepatutan Direksi Fit and Proper Assessment of the Board of Directors
Dalam menjalankan kegiatan operasional, Bank senantiasa In conducting its operational activities, the Bank consistently
mengedepankan kepatuhan terhadap peraturan dan ketentuan prioritizes compliance with applicable rules and regulations. To this
yang berlaku. Untuk itu, Bank memastikan bahwa seluruh anggota end, the Bank ensures that all members of the Board of Directors
Direksi telah dinyatakan lulus dari uji kemampuan dan kepatutan (fit have passed the Fit and Proper Test and obtained approval from
and proper test) dan memperoleh persetujuan dari OJK sebelum OJK before assuming their duties and functions. This requirement
menjalankan tugas dan fungsi jabatannya sebagaimana diatur dalam is in accordance with OJK Regulation No. 27/POJK.03/2016
Peraturan OJK No. 27/POJK.03/2016 tentang Uji Kemampuan concerning the Fit and Proper Test for Main Parties of Financial
dan Kepatutan (Fit and Proper Test) bagi Pihak Utama Lembaga Services Institutions. Details regarding the Fit and Proper Test
Jasa Keuangan. Rincian mengenai status uji kemampuan dan status of the Bank’s Board of Directors serving until the end of
kepatutan Direksi Bank yang menjabat hingga akhir tahun 2024 2024 are as follows:
adalah sebagai berikut:
Nama Jabatan Status Persetujuan OJK terkait Uji Kemampuan dan Kepatutan
Name Position Status OJK approval regarding Fit and Proper Test
Indra Utoyo Direktur Utama Lulus Salinan Keputusan Deputi Komisioner Pengawas Perbankan I OJK No. Kep-
President Director Passed 23/PB.1/2022 tertanggal 9 Juni 2022 tentang Hasil Penilaian Kemampuan
dan Kepatutan Sdr. Indra Utoyo selaku Calon Direktur Utama PT Allo Bank
Indonesia Tbk.
Copy of Decree of Deputy Commissioner for Banking Supervision I OJK No.
Kep- 23/PB.1/2022 dated June 9, 2022 concerning Results of the Fit and
Proper Test of Mr. Indra Utoyo as Candidate for President Director of PT Allo
Bank Indonesia Tbk.
Ari Yanuanto Direktur Keuangan, Lulus Salinan Keputusan Deputi Komisioner Pengawas Perbankan I OJK No. KEP-
Asah Operasi dan Human Passed 24/PB.1/2021 tanggal 6 April 2021 tentang Hasil Penilaian Kemampuan dan
Capital Kepatutan Sdr. Ari Yanuanto Asah selaku Direktur Operasional dan IT PT Bank
Finance, Operations and Harda Internasional Tbk.
Human Capital Director Copy of Decree of Deputy Commissioner for Banking Supervision I OJK No.
KEP- 24/PB.1/2021 dated April 6, 2021 concerning the Results of the Fit and
Proper Test of Mr. Ari Yanuanto Asah as Director of Operations and IT of PT
Bank Harda Internasional Tbk.
Arief Tendeas Direktur Bisnis Lulus Salinan Keputusan Deputi Komisioner Pengawas Perbankan I OJK No. KEP-
Business Director Passed 25/PB.1/2021 tertanggal 6 April 2021 tentang Hasil Penilaian Kemampuan
dan Kepatutan Sdr. Arief Tendeas selaku Direktur Bisnis PT Bank Harda
Internasional Tbk.
Copy of the Decree of the Deputy Commissioner of Banking Supervision I
OJK No. KEP-25/PB.1/2021 dated April 6, 2021 concerning the Results of the
Fit and Proper Test of Mr. Arief Tendeas as the Business Director of PT Bank
Harda Internasional Tbk.
Ganda Raharja Direktur Risiko, Kepatuhan Lulus Salinan Keputusan Deputi Komisioner Pengawas Perbankan I OJK No.
Rusli & Hukum Passed KEP-70/PB.1/2021 tertanggal 14 Desember 2021 tentang Hasil Penilaian
Risk, Compliance & Legal Kemampuan dan Kepatutan Sdr. Ganda Raharja Rusli selaku Direktur
Director Kepatuhan PT Allo Bank Indonesia Tbk.
Copy of the Decree of the Deputy Commissioner of Banking Supervision I OJK
No. KEP-70/PB.1/2021 dated December 14, 2021 concerning the Results of the
Fit and Proper Test of Mr. Ganda Raharja Rusli as the Compliance Director of
PT Allo Bank Indonesia Tbk.
Sajal Bhatnagar Direktur Digital Lulus Salinan Keputusan Deputi Komisioner Pengawas Perbankan I OJK No.
Digital Director Passed Kep-40/PB.1/2022 tertanggal 16 Agustus 2022 tentang Hasil Penilaian
Kemampuan dan Kepatutan Sdr. Sajal Bhatnagar selaku Direktur Digital PT
Allo Bank Indonesia Tbk.
Copy of the Decree of the Deputy Commissioner of Banking Supervision I at
OJK No. Kep 40/PB.1/2022 dated August 16, 2022 concerning the Results of
the Fit and Proper Test of Mr. Sajal Bhatnagar as the Digital Director of PT Allo
Bank Indonesia Tbk.
338 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 341
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Pedoman Kerja Direksi Board of Directors Charter
Allo Bank telah memiliki BOD Charter yang merupakan pedoman Allo Bank has established a BOD Charter, which serves as a
bagi Direksi dalam melakukan tugas dan tanggung jawabnya. BOD guideline for the Board of Directors in performing their duties and
Charter mengatur sejumlah hal, antara lain: responsibilities. The BOD Charter regulates several key aspects,
including:
1. Persyaratan Anggota Direksi; 1. Requirements for the Board of Directors;
2. Persyaratan Direktur Kepatuhan; 2. Requirements for Director of Compliance;
3. Pengangkatan Anggota Direksi; 3. Appointment of the Board of Directors;
4. Pengunduran Diri Anggota Direksi; 4. Resignation of the Board of Directors;
5. Pemberhentian Sementara Anggota Direksi; 5. Temporary Dismissal of the Board of Directors;
6. Pengangkatan, Pemberhentian, dan Pengunduran Diri Direktur 6. Appointment, Dismissal, and Resignation of Directors in charge
yang Membawahi Fungsi Kepatuhan; of Compliance Functions;
7. Susunan dan Pembagian Tugas Direksi; 7. Structure and Division of Duties of the Board of Directors;
8. Rangkap Jabatan Direksi; 8. Concurrent Positions of the Board of Directors;
9. Transparansi, Independensi, dan Etika Jabatan Direksi; 9. Transparency, Independence, and Job Ethics of the Board
of Directors;
10. Tugas dan Tanggung Jawab Direksi; 10. Duties and Responsibilities of the Board of Directors;
11. Kehadiran dan Waktu Kerja Direksi; 11. Attendance and Working Hours of the Board of Directors;
12. Tata Tertib Rapat Direksi; 12. Rules of Procedure for Board Meetings;
13. Penilaian Kinerja Direksi. 13. Performance Assessment of the Board of Directors.
Tugas dan Tanggung Jawab Direksi Duties and Responsibilities of the Board of Directors
Secara umum, Direksi bertanggung jawab dalam mengelola Bank In general, the Board of Directors is responsible for managing the
secara kolektif sesuai dengan Anggaran Dasar dan peraturan Bank collectively in accordance with the Articles of Association and
perundang-undangan yang berlaku dalam mencapai tujuan Bank. applicable laws and regulations to achieve the Bank’s objectives.
Adapun rincian tugas dan tanggung jawab Direksi, antara lain: The details of the Board of Directors’ duties and responsibilities
are as follows:
1. Setiap anggota Direksi wajib melaksanakan tugas dan tanggung 1. Each member of the Board of Directors must carry out their
jawab dengan itikad baik, penuh tanggung jawab dan kehati- duties and responsibilities in good faith, full responsibility,
hatian. and prudence.
2. Dalam menjalankan tugas dan tanggung jawab atas 2. In carrying out their duties and responsibilities in management,
pengurusan, Direksi wajib menyelenggarakan RUPS tahunan the Board of Directors must hold the annual GMS and other
dan RUPS lainnya sebagaimana diatur dalam peraturan GMS as stipulated in the laws and regulations and the Articles
perundang-undangan dan Anggaran Dasar. of Association.
3. Direksi wajib mempertanggungjawabkan pelaksanaan tugasnya 3. The Board of Directors must be accountable for the
kepada pemegang saham melalui RUPS. implementation of their duties to shareholders through the GMS.
4. Membuat kebijakan strategis terkait pengelolaan perusahaan 4. Make strategic policies related to the management of the
sesuai dengan kewenangan yang diberikan. company in accordance with the authority given.
5. Membuat dan menyusun rencana kerja tahunan yang memuat 5. Create and prepare the annual work plan that also includes
juga anggaran tahunan Bank dan disampaikan kepada Dewan the Bank’s annual budget and submitting it to the Board of
Komisaris untuk memperoleh persetujuan. Commissioners for approval.
6. Melaksanakan prinsip-prinsip Tata Kelola Perusahaan yang 6. Implement the principles of Good Corporate Governance in
Baik dalam setiap kegiatan usaha Bank pada seluruh tingkatan all Bank business activities at all levels of the organization.
atau jenjang organisasi.
7. Memastikan penerapan manajemen risiko telah memadai sesuai 7. Ensure that the implementation of risk management is adequate
dengan Kebijakan Manajemen Risiko dan Strategi Manajemen in accordance with the Risk Management Policy and Risk
Risiko yang telah ditetapkan. Management Strategy that have been established.
8. Mengembangkan budaya anti fraud dan budaya kepatuhan 8. Develop an anti-fraud culture and a compliance culture
pada seluruh jajaran organisasi. throughout the organization.
9. Menindaklanjuti temuan audit dan rekomendasi dari Satuan 9. Follow up on audit findings and recommendations from the
Kerja Audit Internal Bank, auditor eksternal, hasil pengawasan Bank’s Internal Audit Unit, external auditors, OJK and/or other
OJK, BI dan/atau hasil pengawasan otoritas lain. supervisory authorities’ surveillance results.
10. Menyusun kebijakan remunerasi dan mengungkapkan 10. Develop a remuneration policy and disclosing to employees
kepada pegawai kebijakan yang bersifat strategis di bidang the strategic policies in the field of personnel management.
kepegawaian.
2024 Annual Report & Sustainability Report
339
Page 342
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
11. Menyusun dan memberikan Laporan Keuangan dan kegiatan 11. Prepare and provide Financial Reports and Bank business
usaha Bank kepada pihak-pihak yang berwenang sebagaimana activities to authorized parties as regulated in banking
diatur dalam peraturan perbankan dan perundang-undangan regulations and applicable laws.
yang berlaku.
12. Direksi dilarang menggunakan penasihat perorangan dan/atau 12. The Board of Directors are prohibited from using individual
jasa profesional sebagai tenaga ahli atau konsultan. Larangan advisors and/or professional services as experts or consultants.
sebagaimana dimaksud tidak berlaku untuk penggunaan The prohibition as intended does not apply to the use of
penasihat perorangan dan/atau jasa profesional dengan individual advisors and/or professional services provided that:
ketentuan:
a. Untuk proyek khusus; a. For special projects;
b. Berdasarkan pada kontrak kerja yang jelas; b. Based on a clear employment contract;
c. Dilaksanakan oleh pihak yang tidak menduduki jabatan c. Carried out by parties who do not hold structural positions
struktural pada Bank;dan at the Bank; and
d. Dilaksanakan oleh pihak yang tidak mempunyai wewenang d. Carried out by parties who do not have the authority to
untuk membuat keputusan operasional bank. make bank operational decisions.
13. Dalam pengelolaan data dan informasi terkait Bank, Direksi 13. In managing data and information related to the Bank, the
wajib: Board of Directors is obliged to:
a. Memiliki dan menyediakan data dan informasi yang a. have and provide accurate, relevant and timely data and
akurat,relevan,dan tepat waktu, termasuk kepada Dewan information, including to the Board of Commissioners; and
Komisaris; dan
b. Melaksanakan pengelolaan data dan informasi sesuai b. carry out data and information management in accordance
dengan tata kelola yang baik pada Bank dan ketentuan with good governance at the Bank and statutory provisions.
peraturan perundang-undangan.
14. Untuk mendukung efektivitas pelaksanaan tugas dan tanggung 14. To support the effective implementation of duties and
jawab Direksi dapat membentuk komite. Dalam hal membentuk responsibilities, the Board of Directors may form committees.
komite, Direksi wajib melakukan evaluasi terhadap kinerja In the case of forming a committee, the Board of Directors is
komite setiap akhir tahun buku. obliged to evaluate the performance of the committee at the
end of each fiscal year.
15. Setiap anggota Direksi bertanggung jawab secara tanggung 15. Each member of the Board of Directors is jointly and severally
renteng atas kerugian Bank yang disebabkan oleh kesalahan responsible for losses to the Bank caused by errors or
atau kelalaian anggota Direksi dalam menjalankan tugasnya. negligence of members of the Board of Directors in carrying
out their duties.
16. Anggota Direksi tidak dapat diminta pertanggungjawaban atas 16. Members of the Board of Directors cannot be held responsible
kerugian Bank apabila dapat membuktikan: for Bank losses if they can prove:
a. Kerugian tersebut bukan karena kesalahan atau a. The loss was not due to his fault or negligence.
kelalaiannya.
b. Telah melakukan pengurusan dengan itikad baik, penuh b. Has carried out management in good faith, full responsibility
tanggung jawab dan kehati-hatian untuk kepentingan dan and prudence for the benefit and in accordance with the
sesuai dengan maksud dan tujuan Bank. Bank’s aims and objectives.
c. Tidak mempunyai benturan kepentingan baik langsung c. Have no conflict of interest, either directly or indirectly,
maupun tidak langsung atas tindakan pengurusan yang regarding management actions that result in losses.
mengakibatkan kerugian.
d. Telah mengambil tindakan untuk mencegah timbul atau d. Have taken action to prevent the occurrence or continuation
berlanjutnya kerugian tersebut. of such losses.
17. Direktur Kepatuhan memiliki tugas dan tanggung jawab yang 17. The Compliance Director has duties and responsibilities which
paling kurang mencakup: at least include:
a. Merumuskan strategi guna mendorong terciptanya budaya a. Formulate strategies to encourage the creation of a culture
kepatuhan Bank. of Bank compliance.
b. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip b. Propose compliance policies or compliance principles that
kepatuhan yang akan ditetapkan oleh Direksi. will be determined by the Board of Directors.
c. Menetapkan sistem dan prosedur kepatuhan yang akan c. Establish compliance systems and procedures that will
digunakan untuk menyusun ketentuan dan pedoman be used to develop the Bank’s internal regulations and
internal Bank. guidelines.
d. Memastikan bahwa seluruh kebijakan, ketentuan, sistem d. Ensure that all policies, provisions, systems and procedures
dan prosedur serta kegiatan usaha yang dilakukan Bank as well as business activities carried out by the Bank are in
telah sesuai dengan ketentuan OJK, Bank Indonesia dan accordance with the provisions of the OJK, Bank Indonesia
peraturan perundang-undangan yang berlaku. and applicable laws and regulations.
340 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 343
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
e. Meminimalkan risiko kepatuhan Bank. e. Minimize Bank compliance risks.
f. Melakukan tindakan pencegahan agar kebijakan dan/atau f. Take preventive measures so that policies and/or decisions
keputusan yang diambil Direksi Bank tidak menyimpang taken by the Bank’s Board of Directors do not deviate from
dari ketentuan OJK, Bank Indonesia dan peraturan the provisions of the OJK, Bank Indonesia and applicable
perundang-undangan yang berlaku. laws and regulations.
g. Melakukan tugas-tugas lainnya yang terkait dengan fungsi g. Perform other tasks related to the Compliance function.
Kepatuhan.
Independensi Direksi Independence of the Board of Directors
1. Anggota Direksi baik secara sendiri-sendiri atau bersama-sama 1. Members of the Board of Directors, individually or collectively,
dilarang memiliki saham melebihi 25% (dua puluh lima persen) are prohibited from owning shares exceeding 25% (twenty five
dari modal disetor pada suatu perusahaan lain. percent) of the paid-up capital in another company.
2. Kepemilikan saham anggota Direksi secara sendiri sendiri 2. Share ownership of members of the Board of Directors
atau bersama-sama sehubungan penerimaan bonus dan/ individually or together in connection with receiving bonuses
atau tantiem dalam bentuk saham yang mengakibatkan and/or bonuses in the form of shares which results in share
kepemilikan saham sebesar 25% (dua puluh lima persen) atau ownership of 25% (twenty five percent) or more is excluded
lebih dikecualikan dari poin (1). from point (1).
3. Kepemilikan saham direktur utama atau direktur yang 3. Share ownership of the main director or director in charge of the
membawahkan fungsi kepatuhan yang berasal dari pemberian compliance function originating from the provision of bonuses,
bonus, tantiem, program kepemilikan Saham Bagi Manajemen, bonuses, share ownership programs for management, and/or
dan/atau Program kepemilikan saham bagi karyawan pada share ownership programs for employees in companies that are
perusahaan yang merupakan pemegang saham pengendali controlling shareholders and/or the ultimate controller of the
dan/atau pengendali terakhir Bank, tidak diperhitungkan dalam Bank, is not taken into account in assessing the independence
penilaian independensi terhadap pemegang saham pengendali, of controlling shareholders, as long as:
sepanjang:
a. kepemilikan saham merupakan kebijakan dari pemegang a. share ownership is the policy of the controlling shareholder
saham pengendali dan/atau pengendali terakhir Bank dan and/or ultimate controller of the Bank and is not an initiative
bukan merupakan inisiatif dari Direktur Utama atau Direktur of the President Director or Director in charge of the
yang membawahkan fungsi Kepatuhan; Compliance function;
b. kepemilikan saham tidak untuk diperdagangkan; dan b. share ownership is not for trading; and
c. yang bersangkutan menyampaikan surat pernyataan bahwa c. the person concerned submits a statement that he/
senantiasa bertindak independen selama menjadi direktur she always acts independently while serving as the
utama atau direktur yang membawahkan fungsi kepatuhan main director or director in charge of the compliance
walaupun memiliki saham pemegang saham pengendali function even though he/she has shares as the controlling
dan/atau pengendali terakhir Bank. shareholder and/or ultimate controller of the Bank.
4. Mayoritas anggota Direksi dilarang memiliki hubungan keluarga 4. The majority of members of the Board of Directors are
sampai dengan derajat kedua dengan sesama anggota Direksi prohibited from having family relationships up to the second
dan/atau dengan anggota Dewan Komisaris. degree with fellow members of the Board of Directors and/or
with members of the Board of Commissioners.
5. Direktur yang membawahi fungsi Kepatuhan wajib memenuhi 5. The Director in charge of the Compliance function is required
persyaratan independen sebagaimana ditetapkan oleh to fulfill the independent requirements as determined by
peraturan Regulator. Regulatory regulations.
6. Anggota Direksi dilarang memberikan kuasa umum kepada 6. Members of the Board of Directors are prohibited from granting
pihak lain yang mengakibatkan pengalihan tugas dan fungsi general power of attorney to other parties which results in the
Direksi. transfer of the duties and functions of the Board of Directors.
7. Menandatangani Surat Pernyataan Independensi yang berlaku 7. Sign a Statement of Independence which is valid in accordance
sesuai dengan periode/masa jabatan sebagaimana ditetapkan with the period/term of office as determined in the GMS.
dalam RUPS.
8. Menandatangani Surat Pernyataan tidak memanfaatkan Bank 8. Sign a Statement Letter not to use the Bank for personal gain
untuk keuntungan pribadi yang berlaku sesuai dengan periode/ which applies in accordance with the period/term of office as
masa jabatan sebagaimana ditetapkan dalam RUPS. determined in the GMS.
Pembagian Tugas Direksi Division of Duties of the Board of Directors
1. Pembagian tugas Direksi diputuskan dalam RUPS. Dalam 1. The division of duties of the Board of Directors is determined in
hal RUPS tidak menetapkan, maka pembagian tugas dan the General Meeting of Shareholders (GMS). In case the GMS
2024 Annual Report & Sustainability Report
341
Page 344
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
wewenang anggota Direksi ditetapkan berdasarkan keputusan does not stipulate, the division of tasks and authorities of the
Direksi dengan persetujuan Dewan Komisaris. Board of Directors’ members shall be determined based on
the decision of the Board of Directors with the approval of the
Board of Commissioners.
2. Dalam pelaksanaan tugas, masing-masing Direksi dapat 2. In performing their duties, each member of the Board of
mengambil keputusan sesuai dengan pembagian tugas dan Directors may make decisions in accordance with their assigned
kewenangannya. tasks and authorities.
3. Kedudukan masing-masing anggota Direksi adalah setara. 3. Each member of the Board of Directors has an equal position.
Tugas Direktur Utama adalah mengkoordinasikan kegiatan/ The President Director’s task is to coordinate the work activities
aktivitas kerja Direksi. of the Board of Directors.
4. Dalam hal salah satu Direktur berhalangan sementara, maka 4. In case one of the Directors is temporarily unavailable, the
Direktur Utama dapat menentukan pengganti sementara President Director may appoint a temporary replacement with
dengan persetujuan Dewan Komisaris. Khusus untuk the approval of the Board of Commissioners. For the temporary
penggantian sementara Direktur yang membawahi fungsi replacement of the Director in charge of compliance functions,
kepatuhan harus mengikuti Peraturan OJK tentang Pelaksanaan it must comply with the OJK Regulation on the Implementation
Fungsi Kepatuhan bagi Bank Umum. of Compliance Functions for Conventional Bank.
Program Orientasi bagi Anggota Direksi Baru Orientation Program for New Members of Board of
Directors
BOD Charter mengatur bahwa anggota Direksi yang baru diangkat The BOD Charter stipulates that newly appointed members of the
wajib untuk mengikuti program pengenalan perusahaan yang Board of Directors must participate in a company introduction
bertujuan untuk memberikan pemahaman mengenai tugas dan program. This program is designed to provide an understanding of
tanggung jawab sebagai anggota Direksi agar dijalankan sebaik- the duties and responsibilities of the Board of Directors, ensuring
baiknya. Kegiatan ini juga bertujuan agar anggota Direksi dapat they can fulfill their roles effectively. Additionally, it aims to familiarize
memahami latar belakang dan kegiatan usaha Bank agar dapat new members with the Bank’s background and business activities,
mempermudah dan melancarkan pelaksanaan tugas Direksi secara facilitating the smooth execution of their responsibilities.
efektif.
Di tahun 2024, Bank tidak melaksanakan program pengenalan bagi Since there were no changes in the Board of Directors’ composition
anggota Direksi baru sehubungan dengan tidak adanya perubahan in 2024, the Bank did not implement an introduction program for
komposisi dan susunan Direksi pada tahun berjalan. new members.
Peningkatan Kompetensi Direksi Competency Development of the Board of Directors
Bank secara konsisten melaksanakan program peningkatan The Bank consistently implements programs to enhance the
kompetensi Direksi guna memastikan seluruh manajemen dapat competence of the Board of Directors, ensuring that all management
memiliki kapasitas dan kemampuan yang sesuai dengan kondisi members possess the necessary capacity and skills to adapt to
dan dinamika bisnis yang terjadi guna mempercepat tercapainya evolving business conditions and dynamics, thereby accelerating
tujuan Bank. Informasi mengenai peningkatan kompetensi Direksi the achievement of the Bank’s objectives. Information regarding the
sepanjang tahun 2024 dapat dilihat pada Bab Profil Perusahaan Board of Directors’ competency development throughout 2024 can
dalam Laporan Tahunan ini. be found in the Company Profile Chapter of this Annual Report.
Pelaksanaan Tugas Direksi Tahun 2024 Implementation of Directors’ Duties in 2024
Selama tahun 2024, Direksi telah melaksanakan tugas dan Throughout 2024, the Board of Directors has fulfilled its duties and
tanggung jawabnya dalam pengelolaan Bank sesuai dengan responsibilities in managing the Bank in accordance with applicable
peraturan perundang-undangan yang berlaku, Anggaran Dasar, laws and regulations, the Articles of Association, and the Bank’s
dan Rencana Bisnis Bank, melalui berbagai kegiatan, seperti: Business Plan, through various activities, including:
1. Menetapkan tujuan dan strategi Bank untuk jangka panjang, 1. Defining the Bank’s objectives and strategies for the long,
menengah, dan tahunan yang dituangkan dalam Rencana medium, and annual terms, as outlined in the Corporate
Korporasi (Corporate Plan) dan Rencana Bisnis Bank (RBB) Plan and Bank Business Plan (RBB) and RBB Revision, which
serta Revisi RBB yang dalam proses penyusunannya sudah have undergone evaluation and supervision by the Board of
melalui tahap evaluasi dan pengawasan oleh Dewan Komisaris. Commissioners.
2. Menetapkan langkah strategis untuk mencapai misi Bank secara 2. Establishing strategic initiatives to achieve the Bank’s mission
terpadu dengan mengembangkan produk dan layanan serta in an integrated manner by developing products and services
meningkatkan customer experience. and enhancing the customer experience.
342 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 345
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
3. Membuat kebijakan terkait pengelolaan Bank sesuai dengan 3. Formulating policies related to Bank management in accordance
kewenangan yang diberikan, dan mengevaluasi kebijakan with assigned authority and conducting periodic evaluations
tersebut secara berkala. of these policies.
4. Menyusun kebijakan remunerasi dan mengungkapkan kepada 4. Preparing remuneration policies and informing employees
pegawai terkait kebijakan Bank yang bersifat strategis di bidang about the Bank’s strategic personnel policies.
kepegawaian.
5. Melaksanakan prinsip-prinsip Tata Kelola yang baik dan 5. Implementing the principles of Good Corporate Governance
penerapan manajemen risiko dalam setiap kegiatan usaha and applying risk management across all levels of the
Bank pada seluruh tingkatan atau jenjang organisasi. organization in every business activity.
6. Menumbuhkan budaya sadar risiko, budaya kepatuhan dan 6. Promoting a risk awareness culture, a compliance culture,
budaya anti fraud pada seluruh jajaran organisasi. Sesuai and an anti-fraud culture throughout the organization. As a
dengan positioning Bank sebagai bank umum berbasis digital, digital-based conventional bank, the Board of Directors also
Direksi juga terus memperkuat kemampuan IT Security dalam continues to strengthen IT Security capabilities to safeguard the
pengamanan infrastruktur dan jaringan TI Bank serta melawan Bank’s IT infrastructure and network against cybercrime threats.
serangan kejahatan cyber.
7. Peningkatan pengetahuan, keahlian dan kemampuan dari 7. Enhancing the knowledge, expertise, and capabilities of all
seluruh karyawan Bank pada seluruh tingkatan atau jenjang Bank employees at every level of the organization.
organisasi.
8. Melakukan evaluasi terhadap kinerja komite setiap akhir tahun 8. Conducting performance evaluations of the committees at the
buku. end of each financial year.
9. Menindaklanjuti hasil temuan Audit Internal, Audit Eksternal, 9. Following up on audit findings from Internal and External
dan hasil pengawasan Otoritas Jasa Keuangan, Bank Indonesia Audits, as well as supervisory results from the Financial Services
dan hasil pengawasan otoritas lain. Authority (OJK), Bank Indonesia, and other regulatory bodies.
10. Melakukan evaluasi dan pemantauan terhadap prinsip kehati- 10. Evaluating and monitoring the Bank’s compliance with
hatian dan kepatuhan Bank serta pelaksanaan pengendalian prudential principles and the effectiveness of internal control
internal. implementation.
11. Mentransparansikan kondisi keuangan dan non keuangan 11. Ensuring transparency of financial and non-financial conditions
kepada Pemangku Kepentingan sebagaimana diatur dalam to Stakeholders, in accordance with banking regulations and
peraturan perbankan dan perundang-undangan yang berlaku. applicable laws.
12. Menyelenggarakan RUPS tahunan sebagaimana diatur 12. Conducting the Annual GMS in accordance with banking
dalam peraturan perbankan serta perundang-undangan dan regulations, laws, and the Articles of Association, and being
Anggaran Dasar dan mempertanggungjawabkan pelaksanaan accountable for the execution of its duties to the Board of
tugasnya kepada Dewan Komisaris dan pemegang saham Commissioners and shareholders through the GMS.
melalui RUPS.
Penilaian Kinerja Organ dan Komite Pendukung di Performance Assessment of Supporting Organs and
Bawah Direksi Committees under Board of Directors
Dalam menjalankan fungsi, tugas, dan tanggung jawab terkait In carrying out its functions, duties, and responsibilities related to
pengelolaan Bank, Direksi turut dibantu oleh organ pendukung the management of the Bank, the Board of Directors is assisted
yang bersifat struktural maupun non struktural. Organ pendukung by both structural and non-structural supporting organs. The
struktural Direksi terdiri dari Sekretaris Perusahaan & PMO dan structural supporting organs of the Board of Directors consist of
Satuan Kerja Audit Internal (SKAI), sementara organ pendukung the Corporate Secretary & PMO and the Internal Audit Work Unit
non-struktural Direksi terdiri dari Komite Kredit, Komite Kebijakan (SKAI). Meanwhile, the non-structural supporting organs include
Perkreditan, Komite Aktiva dan Pasiva, Komite Manajemen Risiko, the Credit Committee, Credit Policy Committee, Asset and Liability
Komite Pengarah Teknologi Informasi, Komite Produk dan Komite Committee, Risk Management Committee, Information Technology
Sumber Daya Manusia. . Steering Committee, Product Committee, and Human Resources
Committee.
Direksi menilai bahwa seluruh organ pendukung Direksi, baik organ The Board of Directors assesses that all supporting organs, both
pendukung struktural maupun non-struktural telah melaksanakan structural and non-structural, have effectively carried out their duties
tugas dan tanggung jawabnya dengan baik. Direksi menilai bahwa and responsibilities. Additionally, the Board of Directors recognizes
seluruh organ pendukung telah membantu fungsi pengelolaan that these supporting organs have significantly contributed to the
perusahaan dengan baik sehingga Bank mampu melalui dinamika Bank’s management function, enabling the Bank to successfully
yang terjadi pada tahun 2024. navigate business dynamics in 2024.
2024 Annual Report & Sustainability Report
343
Page 346
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Transparansi Informasi
terkait Dewan Transparency of Information Regarding
Komisaris the Board of Commissioners and Board
dan Direksi of Directors
Assessment Penerapan GCG untuk Assessment of GCG Implementation
Aspek Dewan Komisaris dan Direksi for the Board of Commissioners and
Board of Directors
Dewan Komisaris dan Direksi selaku organ As the main organs in the Bank’s structure, the
utama Bank memiliki peran penting bagi Board of Commissioners and Board of Directors
pertumbuhan bisnis Bank ke depan. Bank play a central role in Allo Bank’s business growth.
secara berkala melakukan assessment bagi For this reason, the Bank consistently conducts
Dewan Komisaris dan Direksi dengan tujuan evaluations in the form of assessments of these
untuk memberikan evaluasi dan rekomendasi two organs. These assessments aim to evaluate
atas kinerja kedua organ, serta melakukan their performance, provide recommendations,
tindak lanjut atas rekomendasi yang muncul and ensure the implementation of follow-up
dari proses assessment tersebut. actions based on the recommendations that
arise from the assessment process.
Pada tahun 2024, self assessment penerapan In 2024, the Bank’s GCG implementation
GCG Bank meraih nilai komposit sebesar 2 self-assessment achieved a composite score
atau memperoleh predikat “BAIK”. Berdasarkan of 2, earning the rating “GOOD”. Based on this
penilaian tersebut, aspek Dewan Komisaris dan assessment, both the Board of Commissioners
Direksi masing-masing dinilai baik. and Board of Directors were classified as
performing well.
Hasil Assessment Penerapan GCG Aspek Dewan Komisaris dan Direksi Tahun Buku 2024
Assessment results of the implementation of GCG for the Board of Commissioners and Directors aspect for the
2024 fiscal year
Penerapan Tahun Buku 2024
Achievements for the 2024 Fiscal Year
Aspek Pengujian Bobot
Testing Aspects Weight
Klasifikasi Kualitas
Nilai Rating Penerapan GCG
Grade Rating Classification of GCG
Implementation Quality
Dewan Komisaris 10% 0,18 1,76 BAIK
Board of Commissioners GOOD
Direksi 20% 0,36 1,78 BAIK
Board of Directors GOOD
Nilai Komposit < 1,5 : Sangat Baik | 1,5 <= Nilai Komposit < 2,5 : Baik | 2,5 >= Nilai Komposit <3,5 : Cukup Baik | 3,5 >= Nilai Komposit <
4,5 : Kurang Baik | 4,5 >= Nilai Komposit <= Tidak Baik
Composite Score < 1.5: Excellent | 1.5 <= Composite Score < 2.5: Good | 2.5 >= Composite Score < 3.5: Fairly Good | 3.5 >= Composite
Score < 4.5: Less Good | 4.5 >= Composite Score <= Poor
344 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 347
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Penilaian Kinerja Dewan Komisaris dan Direksi Performance Assessment of the Board of
Commissioners and Board of Directors
Penilaian Kinerja Dewan Komisaris Assessment of the Board of Commissioners’
Performance
Peraturan OJK No. 17 Tahun 2023 tentang Penerapan Tata Kelola OJK Regulation No. 17 of 2023 concerning the Implementation of
Bagi Bank Umum dan Surat Edaran Otoritas Jasa Keuangan No. 13/ Governance for Conventional Bank and Financial Services Authority
SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Bank Umum Circular Letter No. 13/SEOJK.03/2017 require Conventional Bank
mewajibkan Bank Umum untuk melakukan penilaian terhadap to conduct assessments of their governance implementation. In
penerapan tata kelola. Untuk itu, Bank senantiasa melakukan compliance with these regulations, the Bank routinely conducts
evaluasi secara rutin terhadap kinerja Dewan Komisaris yang evaluations of the Board of Commissioners’ performance, which
dilakukan oleh Pemegang Saham dalam forum RUPS. are carried out by shareholders during the GMS forum.
Evaluasi tersebut dilakukan dengan memperhatikan kompetensi The evaluation is carried out by considering the competence,
dan keahlian/pengalaman, kinerja Komite-Komite Dewan Komisaris, expertise/experience of the Board of Commissioners, the
efektivitas pelaksanaan tanggung jawab Dewan Komisaris, dan performance of the Board of Commissioners’ Committees, the
penilaian mandiri maupun penilaian rekan sejawat terhadap effectiveness of the Board of Commissioners’ responsibilities, as
pelaksanaan fungsi pengawasan oleh masing-masing anggota well as independent assessments and peer assessments of the
Dewan Komisaris. Hasil penilaian atas aspek-aspek tersebut supervisory function performed by each Board of Commissioners
selanjutnya akan disimpulkan ke dalam laporan dan diajukan kepada member. The results of this assessment will then be summarized in a
pemegang saham melalui mekanisme RUPS. report and submitted to shareholders through the GMS mechanism.
Penilaian Kinerja Direksi Assessment of the Board of Directors’ Performance
Undang-Undang No. 40 tahun 2007 tentang Perseroan Terbatas Based on Law No. 40 of 2007 regarding Limited Liability
mengatur bahwa dalam hal Direksi terdiri dari 2 (dua) anggota Companies, if the Board of Directors consists of two or more
Direksi atau lebih maka tanggung jawab Direksi berlaku secara members, their responsibility applies jointly and respectively. There
tanggung renteng. Adapun prosedur penilaian kriteria kinerja are two types of procedures for assessing the Board of Directors’
Direksi Bank terdiri dari 2 (dua) jenis, yaitu: performance as follows:
1. Penilaian Kinerja oleh RUPS 1. Performance Assessment by GMS
Masing-masing Anggota Direksi akan dievaluasi setiap tahunnya Each member of the Board of Directors will be evaluated
oleh Dewan Komisaris untuk disampaikan kepada Pemegang annually by the Board of Commissioners to be presented to
Saham dalam RUPS, berdasarkan hasil kinerja keseluruhan dari Shareholders at the GMS, based on the results of the overall
tugas dan kewajiban Direksi secara kolegial maupun individual. performance of the duties and obligations of the Board of
Hal ini menjadi salah satu bahan pertimbangan bagi pemegang Directors both collegial and individual. This is a consideration
saham untuk memberhentikan dan/atau menunjuk kembali for shareholders when dismissing and/or reappointing members
anggota Direksi. of the Board of Directors.
2. Prosedur Pelaksanaan Assessment Kinerja Direksi 2. Procedures for Implementing Directors’ Performance
Assessments
Self-assessment atau penilaian sendiri dilakukan oleh masing- Self-assessment is carried out by each member of the Board of
masing anggota Direksi untuk menilai pelaksanaan kinerja Directors to assess the implementation of the performance of
Direksi secara kolegial, dan bukan menilai kinerja individual the Board of Directors in a collegial manner, and not to assess
masing-masing anggota Direksi. Dengan adanya self- the individual performance of each member of the Board of
assessment ini diharapkan masing-masing anggota Direksi Directors. With this self-assessment, it is expected that each
dapat berkontribusi untuk memperbaiki kinerja Direksi secara member of the Board of Directors can contribute to improving
berkesinambungan. the performance of the Board of Directors on an ongoing basis.
Prosedur penilaian kinerja Direksi melalui pelaksanaan self- The procedure for assessing the performance of the Board of
assessment GCG dilakukan pada bulan Juni dan Desember setiap Directors through the implementation of a GCG self-assessment is
tahunnya yang berdasarkan pengelolaan Bank, pencapaian target, carried out in June and December each year based on the Bank’s
upaya penanggulangan kendala dan manajemen risiko, serta management, target achievement, efforts to overcome obstacles
penerapan tata kelola perusahaan yang dilakukan. Dewan komisaris and risk management, as well as the implementation of corporate
akan mengevaluasi melalui rapat dengan Komite Remunerasi dan governance. The Board of Commissioners will evaluate it through
Nominasi kemudian hasilnya akan dilaporkan kepada pemegang meetings with the Remuneration and Nomination Committee and
saham dalam RUPS Tahunan. then the results will be reported to shareholders at the Annual GMS.
2024 Annual Report & Sustainability Report
345
Page 348
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Selanjutnya, Dewan Komisaris dan Direksi menyampaikan usulan Furthermore, the Board of Commissioners and Directors submit
persetujuan atas pencapaian kinerja Direksi dalam RUPS dan RUPS a proposal for approval of the performance achievements of the
akan memberikan pembebasan tanggung jawab sepenuhnya Board of Directors at the GMS and the GMS will grant full release
kepada para anggota Direksi atas pengurusan yang telah dijalankan from responsibility to the members of the Board of Directors for the
selama tahun buku yang lalu, sejauh tindakan tersebut tercermin management carried out during the previous fiscal year, as long
dalam Laporan Tahunan dan Laporan Keuangan, kecuali perbuatan as these actions are reflected in the Annual Report and Financial
penggelapan, penipuan dan tindakan pidana lainnya. Report, except embezzlement, fraud and other criminal acts.
Keberagaman Komposisi Dewan Komisaris dan Diversity in the Composition of the Board of
Direksi Commissioners and Directors
Komposisi Dewan Komisaris dan Direksi Allo Bank disusun dengan The composition of the Board of Commissioners and Directors
memperhatikan kebijakan keberagaman berdasarkan ketentuan of Allo Bank refers to the diversity policy based on the provisions
Pemegang Saham dengan memperhatikan pengetahuan, usia, of Shareholders by taking into account knowledge, age, gender,
jenis kelamin, pendidikan dan pengalaman yang sesuai dengan education and experience in accordance with the needs of the
kebutuhan dari Bank, sehingga mendapatkan komposisi Dewan Bank, so as to obtain an optimal composition of the Board of
Komisaris dan Direksi yang optimal guna meningkatkan kinerja Commissioners and Directors in order to improve the Bank’s
Bank ke depannya. performance in the future.
Keberagaman komposisi Dewan Komisaris dan Direksi merupakan The diversity of the composition of the Board of Commissioners
bagian dari upaya dari Allo Bank untuk mendorong proses and Directors is part of Allo Bank’s efforts to encourage a decision-
pengambilan keputusan yang lebih objektif, komprehensif, making process that is more objective, comprehensive, optimal, and
optimal, dan memiliki dampak positif terhadap pengawasan dan has a positive impact on the supervision and management of the
pengelolaan Bank. Keberagaman komposisi ini diharapkan dapat Bank. It is hoped that this diversity viewpoints and interests in the
memperkaya sudut pandang dan kepentingan dalam proses decision-making process, both within the Board of Commissioners
pengambilan keputusan, baik di tubuh Dewan Komisaris maupun and the Board of Directors, so as to provide added value to the
Direksi, sehingga mampu memberikan nilai tambah bagi aspek Bank’s operational and business aspects.
operasional dan usaha Bank.
Tabel Keberagaman Komposisi Dewan Komisaris dan Direksi Allo Bank
Table of Diversity of Allo Bank’s Board Composition
Pengalaman dan
Nama Kewarganegaraan Usia Gender Pendidikan Terakhir
Name Citizenship Age Gender Highest Education Keahlian
Experience and Expertise
Dewan Komisaris
Board of Commissioners
Aviliani Indonesia 63 Perempuan Doktor Manajemen Bisnis (S3) Manajemen
Komisaris Utama Indonesian Female Ph.D. in Business Management Management
Independen
Independent President
Commissioner
Rosmaya Indonesia 65 Perempuan Magister Administrasi dan Administrasi dan
Komisaris Independen Indonesian Female Pengembangan SDM (S2) Pengembangan SDM
Independent Master’s Degree in Administration Administration and HR
Commissioner and HR Development Development
Ali Gunawan Indonesia 61 Laki-laki Sarjana Ekonomi Akuntansi (S1) Akuntansi
Komisaris Indonesian Male Bachelor’s Degree in Accounting Accounting
Commissioner
Direksi
Board of Directors
Indra Utoyo Indonesia 62 Laki-laki Doktor Ekonomi dan Bisnis Teknologi Informasi,
Direktur Utama Indonesian Male Bidang Manajemen Stratejik (S3) Ekonomi dan Manajemen
Ph.D. in Economics and Business Strategi
in Strategic Management Information Technology,
Economics and Strategic
Management
346 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 349
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Pengalaman dan
Nama Kewarganegaraan Usia Gender Pendidikan Terakhir
Name Citizenship Age Gender Highest Education Keahlian
Experience and Expertise
Ari Yanuanto Asah Indonesia 55 Laki-laki Magister Manajemen Sistem Sistem Informasi
Direktur Keuangan, Indonesian Male Informasi (S2) Information System
Operasi & Human Capital Master’s Degree in Information
Systems Management
Arief Tendeas Indonesia 50 Laki-laki Magister Manajemen Sistem Sistem Informasi
Direktur Bisnis Indonesian Male Informasi (S2) Information System
Master’s Degree in Information
Systems Management
Ganda Raharja Rusli Indonesia 51 Laki-laki Sarjana Matematika (S1) Matematika
Direktur Risiko, Kepatuhan Indonesian Male Bachelor’s Degree in Mathematics Mathematics
& Hukum
Sajal Bhatnagar Direktur India 37 Laki-laki Post Graduate Diploma di IIM Manajemen dan Strategi
Digital Indian Male Calcutta Management and
Post Graduate Diploma at IIM Strategy
Calcutta
Rapat Dewan Komisaris dan Direksi Meetings of the Board of Commissioners and Board
of Directors
Rapat Dewan Komisaris Board of Commissioners Meeting
Berdasarkan BOC Charter, Dewan Komisaris dapat melaksanakan BOC Charter stipulates that the Board of Commissioners can hold
rapat secara berkala sekurang-kurangnya sebanyak 1 (satu) kali regular meetings, at least 1 (one) time in 2 (two) months or more if
dalam 2 (dua) bulan atau lebih jika dianggap perlu oleh Dewan deemed necessary by the Board of Commissioners. All members
Komisaris. Ketentuan tersebut mengatur bahwa Rapat Dewan of the Board of Commissioners must physically attend meetings
Komisaris wajib dihadiri oleh seluruh anggota Dewan Komisaris of the Board of Commissioners at least 2 (two) times a year. In
secara fisik paling kurang 2 (dua) kali dalam setahun. Selain itu, addition, the Board of Commissioners is required to hold regular
Dewan Komisaris wajib mengadakan rapat bersama Direksi secara meetings with the Board of Directors at least 1 (one) time in 4 (four)
berkala minimal 1 (satu) kali dalam 4 (empat) bulan. Seluruh rapat months. Internal meetings of the Board of Commissioners and
Dewan Komisaris, baik internal maupun rapat gabungan dengan joint meetings with the Board of Directors are held at the Bank’s
Direksi, diadakan di tempat kedudukan Bank atau tempat kegiatan domicile or the Bank’s main business activities.
usaha utama Bank.
Rapat dapat dinyatakan sah dan berhak untuk mengambil keputusan A meeting is valid and has the right to make binding decisions
yang mengikat apabila dihadiri dan/atau diwakili lebih dari ½ (satu if attended and/or represented by more than ½ (one half) of the
per dua) dari jumlah anggota Dewan Komisaris yang sedang number of members of the Board of Commissioners who are
menjabat (kuorum). Keputusan rapat harus diambil berdasarkan currently serving (quorum). Meeting decisions must be taken
musyawarah untuk mufakat. Dalam hal keputusan berdasarkan based on deliberation to reach consensus. In the event that a
musyawarah untuk mufakat tidak tercapai, maka keputusan decision based on deliberation to reach consensus is not reached,
dilakukan berdasarkan suara terbanyak. Dewan Komisaris dapat the decision is made based on the majority vote. The Board of
juga mengambil keputusan yang sah tanpa mengadakan rapat, Commissioners can also make valid decisions without holding a
dengan ketentuan semua anggota Dewan Komisaris telah diberitahu meeting, provided that all members of the Board of Commissioners
secara tertulis mengenai usul keputusan yang dimaksud dan semua have been notified in writing regarding the proposed decision in
anggota Dewan Komisaris memberikan persetujuan mengenai usul question and all members of the Board of Commissioners have
yang diajukan secara tertulis dengan menandatangani sirkuler given their approval to the proposal submitted in writing by signing
tersebut. the circular.
Hasil rapat wajib dituangkan dalam risalah rapat, kemudian The results of the meeting must be stated in the minutes of
ditandatangani oleh seluruh anggota Dewan Komisaris yang hadir the meeting, then signed by all members of the Board of
dan disampaikan kepada seluruh anggota Dewan Komisaris. Untuk Commissioners present and submitted to all members of the
rapat Dewan Komisaris bersama dengan Direksi, risalah rapat Board of Commissioners. For joint meetings between the Board
ditandatangani oleh Direksi dan Dewan Komisaris yang hadir of Commissioners and the Board of Directors, the minutes of the
dan disampaikan kepada seluruh Direksi dan Dewan Komisaris. meeting are signed by the Directors and Board of Commissioners
2024 Annual Report & Sustainability Report
347
Page 350
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Perbedaan pendapat yang terjadi dalam rapat wajib dicantumkan present and submitted to all Directors and Board of Commissioners.
secara jelas dalam risalah rapat beserta alasan perbedaan pendapat Differences of opinion that occur at the meeting must be stated
tersebut. Risalah rapat merupakan bukti sah, baik untuk para clearly in the minutes of the meeting along with the reasons for the
anggota Dewan Komisaris maupun pihak lain mengenai keputusan difference of opinion. Minutes of meetings are valid evidence, both
yang diambil dalam rapat yang bersangkutan. Risalah rapat juga for members of the Board of Commissioners and other parties,
wajib diadministrasikan dengan baik oleh Sekretaris Perusahaan. regarding the decisions taken at the meeting in question. Minutes of
meetings must be properly administered by the Corporate Secretary.
Di tahun 2024, Dewan Komisaris telah menyelenggarakan Rapat In 2024, the Board of Commissioners held 21 Internal Meetings
Internal sebanyak 21 kali dan Rapat Gabungan bersama Direksi and 12 Joint Meetings with the Board of Directors. The minutes and
sebanyak 12 kali. Adapun risalah dan tingkat kehadiran Dewan attendance of the Board of Commissioners meetings throughout
Komisaris dalam rapat sepanjang tahun 2024 adalah sebagai 2024 are as follows:
berikut:
Risalah dan Peserta Rapat Internal Dewan Komisaris Tahun 2024
Minutes and Participants of the 2023 Board of Commissioners Internal Meeting
Tanggal Rapat Agenda Rapat Peserta Rapat
No Date Meeting Agenda Participants
1 15/01/2024 Digital Strategy Update and Discussion 1. Aviliani
01/15/2024 2. Ali Gunawan
3. Rosmaya
2 24/01/2024 Exit Meeting Audit 2023 - RSM Indonesia 1. Aviliani
01/24/2024 2. Ali Gunawan
3. Rosmaya
3 12/02/2024 Pembahasan Laporan Rutin dan Rapat Dewan Komisaris 1. Aviliani
02/12/2024 Discussion of Routine Reports and Board of Commissioners Meetings 2. Ali Gunawan
3. Rosmaya
4 19/02/2024 Pembahasan Laporan Pengawasan Dewan Komisaris terhadap RBB dan 1. Aviliani
02/19/2024 Corporate Plan Perseroan 2. Ali Gunawan
Discussion of the Board of Commissioners’ Supervisory Report on the Company’s 3. Rosmaya
RBB and Corporate Plan
5 13/03/2024 Update Status & Awareness Program in Policy & Procedure Allo Bank 1. Aviliani
03/13/2024 2. Ali Gunawan
3. Rosmaya
6 20/03/2024 Pembahasan Rencana Pelaksanaan RUPS Tahunan Perseroan 1. Aviliani
03/20/2024 Discussion of the Company’s Annual GMS Implementation Plan 2. Ali Gunawan
3. Rosmaya
7 22/04/2024 Pembahasan Laporan Manajemen dan Hasil Pengawasan Dewan Komisaris Posisi 1. Aviliani
04/22/2024 2023 (PJP) 2. Ali Gunawan
Discussion of Management Report and Supervision Results of the Board of 3. Rosmaya
Commissioners for 2023 (PJP)
8 29/04/2024 Update Tingkat Kesehatan Bank dan Action Plan OJK 1. Aviliani
04/29/2024 Update on Bank Sound Level and OJK Action Plan 2. Ali Gunawan
3. Rosmaya
9 06/05/2024 Update Action Plan dengan Pembahasan Cash Flow Projection Debitur Data 1. Aviliani
05/06/2024 Center 2. Ali Gunawan
Update Action Plan with Discussion of Cashflow Projection of Data Center 3. Rosmaya
Debtors
10 03/06/2024 Update AML Forum 1. Aviliani
06/03/2024 AML Forum Update 2. Ali Gunawan
3. Rosmaya
11 05/06/2024 Update Produk SME 1. Aviliani
06/05/2024 SME Product Updates 2. Ali Gunawan
3. Rosmaya
348 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 351
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tanggal Rapat Agenda Rapat Peserta Rapat
No Date Meeting Agenda Participants
12 10/07/2024 Pembahasan Risk Appetite Statement 1. Aviliani
07/10/2024 Discussion of Risk Appetite Statement 2. Ali Gunawan
3. Rosmaya
13 15/07/2024 Pemaparan Kinerja Wholesale Funding PT Allo Bank Indonesia Tbk 1. Aviliani
07/15/2024 Wholesale Funding Performance Presentation of PT Allo Bank Indonesia Tbk 2. Ali Gunawan
3. Rosmaya
14 19/08/2024 Pembahasan Laporan Pengawasan Dewan Komisaris Semester I/2024 1. Aviliani
08/19/2024 Discussion of the Supervisory Report of the Board of Commissioners Semester 2. Ali Gunawan
I/2024 3. Rosmaya
15 28/08/2024 Update Kebijakan Kredit PT Allo Bank Indonesia Tbk 1. Aviliani
08/28/2024 Credit Policy Update of PT Allo Bank Indonesia Tbk 2. Ali Gunawan
3. Rosmaya
16 02/09/2024 Status Implementasi Pelindungan Data Pribadi 1. Aviliani
09/02/2024 Status of Personal Data Protection Implementation 2. Ali Gunawan
3. Rosmaya
17 07/10/2024 Penerapan APU PPT di Allo Bank - AML Forum 1. Aviliani
10/07/2024 Implementation of AML CTF at Allo Bank - AML Forum 2. Ali Gunawan
3. Rosmaya
18 28/10/2024 Kick Off Meeting dengan KAP RSM Indonesia 1. Aviliani
10/28/2024 Kick Off Meeting with KAP RSM Indonesia 2. Ali Gunawan
3. Rosmaya
19 06/11/2024 Pembahasan Recovery Plan PT Allo Bank Indonesia Tbk 1. Aviliani
11/06/2024 Discussion of PT Allo Bank Indonesia Tbk Recovery Plan 2. Ali Gunawan
3. Rosmaya
20 18/11/2024 Pembahasan Laporan Rencana Aksi Keuangan Berkelanjutan (RAKB) PT Allo Bank 1. Aviliani
11/18/2024 Indonesia Tbk untuk tahun 2025 2. Ali Gunawan
Discussion of the Sustainable Finance Action Plan (RAKB) Report of PT Allo Bank 3. Rosmaya
Indonesia Tbk for 2025
21 25/11/2024 Pembahasan Rencana Bisnis Bank 2025-2027 1. Aviliani
11/25/2024 Discussion of Bank Business Plan 2025-2027 2. Ali Gunawan
3. Rosmaya
Risalah dan Peserta Rapat Gabungan Dewan Komisaris dan Direksi Tahun 2024
Minutes and Participants of the 2024 Joint Meeting of the Board of Commissioners & Directors
Tanggal Rapat Agenda Rapat Peserta Rapat
No Date Meeting Agenda Participants
1 29/01/2024 1. Macroeconomic Outlook 1. Aviliani
01/29/2024 2. Digital Business Update 2. Rosmaya
3. Wholesale Banking Update 3. Ali Gunawan
4. Kinerja Finansial Desember 2023 4. Indra Utoyo
5. Any Other Business 5. Ari Yanuanto Asah
6. Arief Tendeas
1. Macroeconomic Outlook 7. Sajal Bhatnagar
2. Digital Business Update 8. Ganda R. Rusli
3. Wholesale Banking Update
4. Financial Performance January 2023
5. Any Other Business
2024 Annual Report & Sustainability Report
349
Page 352
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Tanggal Rapat Agenda Rapat Peserta Rapat
No Date Meeting Agenda Participants
2 26/02/2024 1. Digital Business Update 1. Aviliani
02/26/2024 2. Wholesale Banking Update 2. Rosmaya
3. Kinerja Finansial Januari 2024 3. Ali Gunawan
4. Any Other Business 4. Indra Utoyo
5. Ari Yanuanto Asah
1. Digital Business Update 6. Arief Tendeas
2. Wholesale Banking Update 7. Sajal Bhatnagar
3. Financial Performance January 2024 8. Ganda R. Rusli
4. Any Other Business
3 25/03/2024 1. Digital Business Update 1. Aviliani
03/25/2024 2. Wholesale Banking Update 2. Rosmaya
3. Kinerja Finansial Februari 2024 3. Ali Gunawan
4. Any Other Business 4. Indra Utoyo
5. Ari Yanuanto Asah
1. Digital Business Update 6. Arief Tendeas
2. Wholesale Banking Update 7. Sajal Bhatnagar
3. Financial Performance February 2024 8. Ganda R. Rusli
4. Any Other Business
4 29/04/2024 1. Macroeconomic Outlook 1. Aviliani
04/29/2024 2. Digital Business Update 2. Rosmaya
3. Wholesale Banking Update 3. Ali Gunawan
4. Kinerja Finansial Maret 2024 4. Indra Utoyo
5. Any Other Business 5. Ari Yanuanto Asah
6. Arief Tendeas
1. Macroeconomic Outlook 7. Sajal Bhatnagar
2. Digital Business Update 8. Ganda R. Rusli
3. Wholesale Banking Update
4. Financial Performance March 2024
5. Any Other Business
5 27/05/2024 1. Digital Business Update 1. Aviliani
05/27/2024 2. Wholesale Banking Update 2. Rosmaya
3. Kinerja Finansial April 2024 3. Ali Gunawan
4. Any Other Business 4. Indra Utoyo
5. Ari Yanuanto Asah
1. Digital Business Update 6. Arief Tendeas
2. Wholesale Banking Update 7. Sajal Bhatnagar
3. Financial Performance April 2024 8. Ganda R. Rusli
4. Any Other Business
6 24/06/2024 1. Digital Business Update 1. Aviliani
06/24/2024 2. Wholesale Banking Update 2. Rosmaya
3. Kinerja Finansial Mei 2024 3. Ali Gunawan
4. Any Other Business 4. Indra Utoyo
5. Ari Yanuanto Asah
1. Digital Business Update 6. Arief Tendeas
2. Wholesale Banking Update 7. Sajal Bhatnagar
3. Financial Performance May 2024 8. Ganda R. Rusli
4. Any Other Business
7 29/07/2024 1. Macroeconomic Update 1. Aviliani
07/29/2024 2. Digital Business Update 2. Rosmaya
3. Wholesale Banking Update 3. Ali Gunawan
4. Kinerja Finansial Juni 2024 4. Indra Utoyo
5. Any Other Business 5. Ari Yanuanto Asah
6. Arief Tendeas
1. Macroeconomic Update 7. Sajal Bhatnagar
2. Digital Business Update 8. Ganda R. Rusli
3. Wholesale Banking Update
4. Financial Performance June 2024
5. Any Other Business
350 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 353
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tanggal Rapat Agenda Rapat Peserta Rapat
No Date Meeting Agenda Participants
8 26/08/2024 1. Digital Business Update 1. Aviliani
08/26/2024 2. Wholesale Banking Update 2. Rosmaya
3. Kinerja Finansial Juli 2024 3. Ali Gunawan
4. Any Other Business 4. Indra Utoyo
5. Ari Yanuanto Asah
1. Digital Business Update 6. Arief Tendeas
2. Wholesale Banking Update 7. Sajal Bhatnagar
3. Financial Performance July 2024 8. Ganda R. Rusli
4. Any Other Business
9 23/09/2024 1. Digital Business Update 1. Aviliani
09/23.2024 2. Wholesale Banking Update 2. Rosmaya
3. Kinerja Finansial Agustus 2024 3. Ali Gunawan
4. Any Other Business 4. Indra Utoyo
5. Ari Yanuanto Asah
1. Digital Business Update 6. Arief Tendeas
2. Wholesale Banking Update 7. Sajal Bhatnagar
3. Financial Performance August 2024 8. Ganda R. Rusli
4. Any Other Business
10 28/10/2024 1. Macroeconomic Update 1. Aviliani
10/28/2024 2. Digital Business Update 2. Rosmaya
3. Wholesale Banking Update 3. Ali Gunawan
4. Kinerja Finansial September 2024 4. Indra Utoyo
5. Any Other Business 5. Ari Yanuanto Asah
6. Arief Tendeas
1. Macroeconomic Update 7. Sajal Bhatnagar
2. Digital Business Update 8. Ganda R. Rusli
3. Wholesale Banking Update
4. Financial Performance September 2024
5. Any Other Business
11 25/11/2024 1. Digital Business Update 1. Aviliani
11/25/2024 2. Wholesale Banking Update 2. Rosmaya
3. Kinerja Finansial Oktober 2024 3. Ali Gunawan
4. Any Other Business 4. Indra Utoyo
5. Ari Yanuanto Asah
1. Digital Business Update 6. Arief Tendeas
2. Wholesale Banking Update 7. Sajal Bhatnagar
3. Financial Performance October 2024 8. Ganda R. Rusli
4. Any Other Business
12 09/12/2024 1. Digital Business Update 1. Aviliani
12/09/2024 2. Wholesale Banking Update 2. Rosmaya
3. Kinerja Finansial November 2024 3. Ali Gunawan
4. Any Other Business 4. Indra Utoyo
5. Ari Yanuanto Asah
1. Digital Business Update 6. Arief Tendeas
2. Wholesale Banking Update 7. Sajal Bhatnagar
3. Financial Performance November 2024 8. Ganda R. Rusli
4. Any Other Business
2024 Annual Report & Sustainability Report
351
Page 354
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Tingkat Kehadiran Dewan Komisaris dalam Rapat Internal dan Rapat Bersama Direksi
Attendance Records of the Board of Commissioners in Internal Meetings and Joint Meetings with the Board of
Directors
Rapat Gabungan Dewan Rapat Internal Dewan
Komisaris dengan Direksi Jumlah Rapat Keseluruhan
Komisaris
Joint Meeting of the Board of
Internal Meeting of the Board of Total Meeting
Commissioners and the Board of
Commissioners
Directors
Nama Jabatan Jumlah dan (%) Kehadiran Jumlah dan (%) Kehadiran Jumlah dan (%) Kehadiran
Name Position
Total and (%) Attendance Total and (%) Attendance Total and (%) Attendance
Jumlah Jumlah Jumlah Jumlah Jumlah Jumlah
Rapat Kehadiran % Rapat Kehadiran % Rapat Kehadiran %
Number of Total Number of Total Number of Total
Meetings Attendance Meetings Attendance Meetings Attendance
Aviliani Komisaris 12 12 100 21 21 100 33 33 100
Utama
Independen
Independent
President
Commissioner
Rosmaya Komisaris 12 12 100 21 21 100 33 33 100
Independen
Independent
Commissioner
Ali Gunawan Komisaris 12 12 100 21 21 100 33 33 100
Commissioner
Rapat Direksi Board of Directors Meeting
Sebagaimana diatur dalam BOD Charter, Direksi dapat BOD Charter regulates that the Board of Directors can hold regular
menyelenggarakan rapat internal secara berkala minimal 1 (satu) internal meetings 1 (one) time in 1 (one) month or more if deemed
kali dalam 1 (satu) bulan atau lebih jika dianggap perlu oleh Direktur necessary by the President Director or other members of the Board
Utama atau anggota Direksi lainnya. Di samping itu, Direksi wajib of Directors. In addition, the Board of Directors is required to hold
mengadakan rapat Direksi bersama dengan Dewan Komisaris joint Board of Directors meetings with the Board of Commissioners
secara berkala sekurang-kurangnya sebanyak 1 (satu) kali dalam periodically at least 1 (one) time in 4 (four) months.
4 (empat) bulan.
Keputusan rapat Direksi diambil berdasarkan musyawarah Decisions at the Board of Directors meetings are taken based on
untuk mufakat. Dalam hal keputusan berdasarkan musyawarah deliberation to reach consensus. In the event that a decision based
untuk mufakat tidak tercapai, maka keputusan diambil dengan on deliberation to reach consensus is not reached, the decision is
pemungutan suara berdasarkan suara setuju lebih dari ½ (satu per taken by voting based on affirmative votes of more than ½ (onehalf)
dua) dari jumlah suara yang dikeluarkan yang sah dalam rapat. of the number of valid votes cast at the meeting.
Sepanjang tahun 2024, Direksi telah menyelenggarakan Rapat Throughout 2024, the Board of Directors held 47 Internal Meetings
Internal sebanyak 47 kali dan Rapat Gabungan bersama Dewan and 12 Joint Meetings with the Board of Commissioners. The
Komisaris sebanyak 12 kali. Adapun risalah dan tingkat kehadiran minutes and attendance of the Board of Directors meetings in
Direksi dalam rapat di tahun 2024 adalah sebagai berikut: 2024 are as follows:
Risalah dan Peserta Rapat Internal Direksi Tahun 2024
Minutes and Participants of the 2024 Board of Directors Internal Meeting
Tanggal Agenda Peserta
No. Date Agenda Participants
1 2 Januari2024 1. Partnership Update Indra Utoyo
January 2, 2024 2. SNAP Transaction Limit Ganda Raharja Rusli
3. Growth Update Sajal Bhatnagar
352 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 355
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tanggal Agenda Peserta
No. Date Agenda Participants
2 9 Januari2024 1. Compliance Update Indra Utoyo
January 9, 2024 2. Brand Health Tracking Ari Yanuanto Asah
3. EOMR Update Arief Tendeas
4. Digital Product Update Ganda Raharja Rusli
5. Growth Update Sajal Bhatnagar
6. MPP Creative Labs
7. Partnership Update
3 16 Januari2024 1. Contact Center Update Indra Utoyo
January 16, 2024 2. IT Strategy & Governance Update Ari Yanuanto Asah
3. Digital Non-Lending Product Update Arief Tendeas
4. Credit Risk Update Ganda Raharja Rusli
5. Partnership & Business Update Sajal Bhatnagar
6. Tokopedia Integration
7. Allo Bisnis Update
4 23 Januari2024 1. Compliance Update Indra Utoyo
January 23, 2024 2. Allo Bisnis Update Ari Yanuanto Asah
3. Digital Strategy Organization Arief Tendeas
4. Paylater Underwriting Criteria Ganda Raharja Rusli
5. Digital Lending Update
6. Testing Tools
7. Growth Update
8. Partnership Update
9. Creative Lab Update
5 30 Januari2024 1. Growth Update Indra Utoyo
January 30, 2024 2. Digital Product Update Ari Yanuanto Asah
3. Stress Test Update Arief Tendeas
4. Allo Bisnis Update Ganda Raharja Rusli
5. TIDB Servers Procurement Sajal Bhatnagar
6. Digital Strategy Update
7. Partnership Update
6 6 Februari 2024 1. Partnership Update Indra Utoyo
February 6, 2024 2. AML/CTF System Update Ari Yanuanto Asah
3. Growth Update Arief Tendeas
4. Digital Lending Update Ganda Raharja Rusli
5. Allo Bisnis Update Sajal Bhatnagar
6. Credit Facility Update
7 13 Februari 2024 1. Corporate Plan Indra Utoyo
February 13, 2024 2. Limit Top-Up dan QRIS Transaction Parameter Ari Yanuanto Asah
3. Partnership Update Arief Tendeas
4. TKB Update Ganda Raharja Rusli
5. Brand Ambassador Update Sajal Bhatnagar
8 27 Februari 2024 1. Growth Update Indra Utoyo
February 27, 2024 2. ODC Maintenance Agreement Ari Yanuanto Asah
3. IT Security Update Arief Tendeas
4. Mezzanine Renovation Plan Ganda Raharja Rusli
5. Partnership Update Sajal Bhatnagar
6. Digital Strategy Update
7. Digital Non-Lending Product Update
8. Referral Program
9. Paylater Ramadan Program
9 5 Maret 2024 1. Contact Center Bidding Update Indra Utoyo
March 5, 2024 2. Bank Devisa Update Ari Yanuanto Asah
3. PDP Implementation Arief Tendeas
4. IT Strategy & Governance Update Ganda Raharja Rusli
5. Growth Update Sajal Bhatnagar
6. WeVerse Update
7. Partnership Update
8. IT Security Update
2024 Annual Report & Sustainability Report
353
Page 356
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Tanggal Agenda Peserta
No. Date Agenda Participants
10 19 Maret 2024 1. Data Center Update Indra Utoyo
March 19, 2024 2. TKB Update Ari Yanuanto Asah
3. Partnership Update Arief Tendeas
4. Digital Non-Lending Product Update Ganda Raharja Rusli
5. Digital Lending Update Sajal Bhatnagar
11 26 Maret 2024 1. Credit Committee & Guideline Update Indra Utoyo
March 26, 2024 2. IT Security Update Ari Yanuanto Asah
3. Credit Risk Update Arief Tendeas
4. Digital Non-Lending Product Update Ganda Raharja Rusli
5. Annual Risk Profile Review Sajal Bhatnagar
6. Partnership Update
7. Tuling Shield Review
12 2 April 2024 1. Annual Risk Profile Review Indra Utoyo
April 2, 2024 2. Digital Non-Lending Product Update Ari Yanuanto Asah
3. COBIT Update Arief Tendeas
4. Growth Update Ganda Raharja Rusli
5. Partnership Update Sajal Bhatnagar
13 16 April 2024 1. Digital Non-Lending Product Update Indra Utoyo
April 16, 2024 2. Compliance Update Ari Yanuanto Asah
3. Credit Risk Update Arief Tendeas
4. Digital Strategy Update Ganda Raharja Rusli
5. Annual Report Update Sajal Bhatnagar
6. Partnership Update
14 23 April 2024 1. Cyber Risk Update Indra Utoyo
April 23, 2024 2. Data Center Update Ari Yanuanto Asah
3. SME Credit Mechanism Arief Tendeas
4. Digital Non-Lending Product Update Ganda Raharja Rusli
5. Application Management Update Sajal Bhatnagar
6. Growth Update
7. EDD Process Update
8. Digital Strategy Update
9. Partnership Update
15 30 April 2024 1. SME Credit Update Indra Utoyo
April 30, 2024 2. E-KYC Process Update Ari Yanuanto Asah
3. Digital Debit Card Update Arief Tendeas
4. Partnership Update Ganda Raharja Rusli
5. Customer Onboarding Process Update Sajal Bhatnagar
6. Data Center Inauguration Plan
7. AND Logic Implementation
16 7 Mei 2024 1. Fraud Case Update Indra Utoyo
May 7, 2024 2. Resolution Plan Update Ari Yanuanto Asah
3. Anniversary Promo Arief Tendeas
4. Telemarketing Update Ganda Raharja Rusli
5. Partnership Update Sajal Bhatnagar
6. Allo Bank Festival Update
17 14 Mei 2024 1. Dealer Financing Update Indra Utoyo
May 14, 2024 2. Application Management Update Ari Yanuanto Asah
3. Digital Debit Card Update Arief Tendeas
4. Affiliate Partner
5. Telemarketing Update
6. Partnership Update
7. IT Infrastructure Update
8. Wholesale Funding Update
18 21 Mei 2024 1. Contact Center Update Indra Utoyo
May 21, 2024 2. Regulatory Update Ari Yanuanto Asah
3. Growth Update Arief Tendeas
4. Partnership Update Sajal Bhatnagar
354 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 357
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tanggal Agenda Peserta
No. Date Agenda Participants
19 28 Mei 2024 1. Digital Non-Lending Product Update Indra Utoyo
May 28, 2024 2. FDS Update Ari Yanuanto Asah
3. Partnership Update Arief Tendeas
4. AND Logic Implementation Ganda Raharja Rusli
5. IT Infrastructure Update Sajal Bhatnagar
20 4 Juni 2024 1. SME Policy & Procedure Update Indra Utoyo
June 4, 2024 2. IT Strategy & Governance Update Ari Yanuanto Asah
3. Digital Strategy Update Arief Tendeas
4. Operational Risk Update Ganda Raharja Rusli
5. Partnership Update Sajal Bhatnagar
6. RBB Revision Update
7. Growth Update
21 11 Juni 2024 1. Data Classification Update Indra Utoyo
June 11, 2024 2. Contact Center Update Ari Yanuanto Asah
3. Growth Update Arief Tendeas
4. Invoice Financing Update Ganda Raharja Rusli
5. Digital Non-Lending Product Update Sajal Bhatnagar
6. Event Evaluation
7. Partnership Update
8. Brand Ambassador Update
9. Digital Strategy Update
22 25 Juni 2024 1. Fraud Update Indra Utoyo
June 25, 2024 2. IT Security Update Ari Yanuanto Asah
3. Seating Arrangement Plan Arief Tendeas
4. Contact Center Update Ganda Raharja Rusli
5. RDN Update Sajal Bhatnagar
6. Distributor Financing Update
7. E-KYC Update
8. Growth Update
9. Partnership Update
23 3 Juli 2024 1. Digital Non-Lending Product Update Indra Utoyo
July 3, 2024 2. Contingency Funding Plan Ari Yanuanto Asah
3. Partnership Update Arief Tendeas
4. Bank Devisa Update Ganda Raharja Rusli
Sajal Bhatnagar
24 9 Juli 2024 1. Compliance Update Indra Utoyo
July 9, 2024 2. Cyber Risk Update Ari Yanuanto Asah
3. Digital Non-Lending Product Update Arief Tendeas
4. Digital Strategy Update Ganda Raharja Rusli
5. Supply Chain Financing Update Sajal Bhatnagar
6. Risk Appetite Framework
7. Credit Risk Update
8. Funding Update
9. Partnership Update
10. Telemarketing Update
11. HC Update
25 16 Juli 2024 1. Growth Update Indra Utoyo
July 16, 2024 2. Joint Financing Update Ari Yanuanto Asah
3. Digital Non-Lending Product Update Arief Tendeas
4. Credit Risk Update Ganda Raharja Rusli
5. Non-Lending Partnership Update
6. Kredit Update
7. Offline Sales Update
8. Business Unit Partnership Update
9. MVP Program Update
2024 Annual Report & Sustainability Report
355
Page 358
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Tanggal Agenda Peserta
No. Date Agenda Participants
26 23 Juli 2024 1. Treasury Update Indra Utoyo
July 23, 2024 2. Sprint B Planning Ari Yanuanto Asah
3. Data Management Update Arief Tendeas
4. Growth Update Ganda Raharja Rusli
5. Growth Update Sajal Bhatnagar
6. Supply Chain Update
7. Non-Lending Partnership Update
27 30 Juli 2024 1. Digital Non-Lending Product Update Indra Utoyo
July 30, 2024 2. Stress Test Update Ari Yanuanto Asah
3. Wholesale Funding Update Arief Tendeas
4. Credit Risk Update Ganda Raharja Rusli
5. Website Revamp Sajal Bhatnagar
6. Non-Lending Partnership
7. Data Management Update
8. Offline Sales & Business Unit Update
9. Digital Lending Product Update
10. SDB Update
28 6 Agustus 2024 1. Supply Chain Financing Update Indra Utoyo
August 6, 2024 2. Digital Strategy Update Ari Yanuanto Asah
3. IT Infrastructure Update Arief Tendeas
4. Creative Lab Update Ganda Raharja Rusli
5. Risk Dashboard & Release Plan Update Sajal Bhatnagar
6. Digital Non-Lending Business Update
7. Growth Update
8. Compliance Update
9. Offline Channel & MVP Update
29 13 Agustus 2024 1. Treasury Update Indra Utoyo
August 13, 2024 2. Supply Chain Financing Update Ari Yanuanto Asah
3. Digital Strategy Update Arief Tendeas
4. Allo Agile Architecture Ganda Raharja Rusli
5. Compliance Update Sajal Bhatnagar
6. Network Operations Update
7. Growth Update
8. Risk Dashboard & Release Plan Update
9. Digital Partnership Update
30 20 Agustus 2024 1. Digital Strategy Update Indra Utoyo
August 20, 2024 2. Digital Non-Lending Business Update Ari Yanuanto Asah
3. Offline Sales Update Arief Tendeas
4. Credit Risk Update Ganda Raharja Rusli
5. Risk Appetite Parameters and Triggers Sajal Bhatnagar
6. Digital Partnership Update
7. Telemarketing Update
8. Risk Dashboard & Release Plan Update
31 27 Agustus 2024 1. Data Subject Access Indra Utoyo
August 27, 2024 2. Business Unit Update Ari Yanuanto Asah
3. Digital Non-Lending Business Update Arief Tendeas
4. Digital Strategy Update Ganda Raharja Rusli
5. Fraud Update Sajal Bhatnagar
6. Kantor Fungsional Collection
7. Perlindungan Konsumen
8. IT Infrastructure Update
9. Risk Dashboard & Release Plan Update
32 3 September 2024 1. Cyber Risk Update Indra Utoyo
September 3, 2024 2. Business Partnership Update Ari Yanuanto Asah
3. Compliance Update Arief Tendeas
4. Digital Lending Business Update Ganda Raharja Rusli
5. Risk Dashboard & Release Plan Update Sajal Bhatnagar
6. Supply Chain Financing Update
7. Credit Risk Update
356 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 359
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tanggal Agenda Peserta
No. Date Agenda Participants
33 10 September 2024 1. Business Unit Update Indra Utoyo
September 10, 2024 2. Digital Strategy Update Ari Yanuanto Asah
3. Growth Update Arief Tendeas
4. Business Partnership Update Ganda Raharja Rusli
5. Risk Dashboard & Release Plan Update Sajal Bhatnagar
34 17 September 2024 1. Legal Update Indra Utoyo
September 17, 2024 2. Cyber Risk Update Ari Yanuanto Asah
3. Business Partnership Update Arief Tendeas
Ganda Raharja Rusli
Sajal Bhatnagar
35 24 September 2024 1. Business Unit & Sales Update Indra Utoyo
September 24, 2024 2. Digital Strategy Update Ari Yanuanto Asah
3. Digital Non-Lending Business Update Arief Tendeas
4. IT Strategy & Governance Update Ganda Raharja Rusli
5. Legal Update Sajal Bhatnagar
6. Growth Update
7. Risk Dashboard & Release Plan Update
8. IT Infrastructure Update
9. Business Partnership Update
36 1 Oktober 2024 1. Fraud Update Indra Utoyo
October 1, 2024 2. Cyber Risk Assessment Arief Tendeas
3. Digital Non-Lending Business Update Ganda Raharja Rusli
4. Growth Update Sajal Bhatnagar
5. Offline Sales Update
6. Credit Update
7. Digital Strategy Update
8. Credit Risk Update
37 8 Oktober 2024 1. Business Partnership Update Indra Utoyo
October 8, 2024 2. Offline Sales Update Ari Yanuanto Asah
3. Supply Chain Financing Update Arief Tendeas
4. Allo Friends Day Update Ganda Raharja Rusli
5. Compliance Update Sajal Bhatnagar
6. Audit Tematik Pengaduan Nasabah / Thematic Audit of
Customer Complaints
7. Risk Dashboard & Release Plan Update
38 15 Oktober 2024 1. Offline Sales Update Indra Utoyo
October 15, 2024 2. Digital Strategy Update Ari Yanuanto Asah
3. Digital Non-Lending Business Update Arief Tendeas
4. Growth Update Ganda Raharja Rusli
5. Audit Update
6. Digital Partnership Update
7. Risk Dashboard & Release Plan Update
39 22 Oktober 2024 1. Growth Update Indra Utoyo
October 22, 2024 2. AML System Update Ari Yanuanto Asah
3. Digital Strategy Update Arief Tendeas
4. Digital Non-Lending Business Update Ganda Raharja Rusli
5. Unifying Data & Report Update Sajal Bhatnagar
6. Risk Dashboard & Release Plan Update
7. Corporate Calendar
8. RBB 2025-2027
9. Digital Partnership Update
10. Compliance Update
11. Legal Update
40 30 Oktober 2024 1. Creative Lab Update Indra Utoyo
October 30, 2024 2. Growth Update Ari Yanuanto Asah
3. Digital Partnership Update Arief Tendeas
4. Digital Strategy Update Ganda Raharja Rusli
Sajal Bhatnagar
2024 Annual Report & Sustainability Report
357
Page 360
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Tanggal Agenda Peserta
No. Date Agenda Participants
41 5 November 2024 1. Cyber Risk Update Indra Utoyo
November 5, 2024 2. Business Unit Update Ari Yanuanto Asah
3. Recovery Indicators Update Arief Tendeas
4. Compliance Update Ganda Raharja Rusli
5. Digital Partnership Update Sajal Bhatnagar
6. Digital Strategy Update
7. Digital Non-Lending Business Update
8. Risk Dashboard & Release Plan Update
42 12 November 2024 1. Business Unit Update Indra Utoyo
November 12, 2024 2. Digital Partnership Update Ari Yanuanto Asah
3. Supply Chain Financing Update Arief Tendeas
4. Digital Non-Lending Business Update Ganda Raharja Rusli
5. Fraud Update Sajal Bhatnagar
6. Compliance Update
7. Risk Dashboard & Release Plan Update
8. Data Owner Update
9. Product Policy Update
43 21 November 2024 1. Audit Update Indra Utoyo
November 21, 2024 2. Cyber Risk Update Ari Yanuanto Asah
3. Digital Non-Lending Business Update Arief Tendeas
4. Business Unit Update Ganda Raharja Rusli
Sajal Bhatnagar
44 26 November 2024 1. Digital Strategy Update Indra Utoyo
November 26, 2024 2. Digital Non-Lending Business Update Ari Yanuanto Asah
3. Digital Partnership Update Arief Tendeas
4. Growth Update Ganda Raharja Rusli
5. Digital Lending Business Update Sajal Bhatnagar
45 3 Desember 2024 1. Business Unit Update Indra Utoyo
December 3, 2024 2. Digital Strategy Update Ari Yanuanto Asah
3. Digital Non-Lending Business Update Arief Tendeas
4. Growth Update
5. Digital Partnership Update Sajal Bhatnagar
6. Risk Dashboard & Release Plan Update
7. Annual Report Update
8. IT Infrastructure Update
46 10 Desember 2024 1. Policy & Procedure Update Indra Utoyo
December 10, 2024 2. Cyber Risk Update Ari Yanuanto Asah
3. Business Unit Update Arief Tendeas
4. Crisis Simulation Update Ganda Raharja Rusli
5. Digital Non-Lending Business Update Sajal Bhatnagar
6. Audit Update
7. Digital Strategy Update
8. Risk Dashboard & Release Plan Update
9. Growth Update
10. Customer Care Update
47 17 Desember 2024 1. Audit Update Indra Utoyo
December 17, 2024 2. Supply Chain Financing Update Ari Yanuanto Asah
3. Business Unit Update Arief Tendeas
4. Digital Non-Lending Business Update Ganda Raharja Rusli
5. Finance Update Sajal Bhatnagar
6. Growth Update
7. Digital Partnership Update
8. Risk Dashboard & Release Plan Update
358 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 361
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tingkat Kehadiran Direksi dalam Rapat Internal dan Rapat bersama Dewan Komisaris
Attendance Records of the Board of Directors in Internal Meetings and Joint Meetings with the Board of
Commissioners
Rapat Gabungan Dewan
Komisaris dengan Direksi Rapat Internal Direksi Jumlah Rapat Keseluruhan
Joint Meeting of the Board of Board of Directors Internal
Total Meeting
Commissioners and the Board Meeting
of Directors
Nama Jabatan
Name Position Jumlah dan (%) Kehadiran Jumlah dan (%) Kehadiran Jumlah dan (%) Kehadiran
Total and (%) Attendance Total and (%) Attendance Total and (%) Attendance
Jumlah Jumlah Jumlah Jumlah Jumlah Jumlah
Rapat Kehadiran Rapat Kehadiran Rapat Kehadiran
% % %
Number of Total Number of Total Number of Total
Meetings Attendance Meetings Attendance Meetings Attendance
Indra Utoyo Direktur Utama 12 12 100 47 47 100 59 59 100
President
Director
Ari Yanuanto Direktur 12 12 100 47 45 96 59 57 97
Asah Keuangan,
Operasi &
Human Capital
Finance,
Operations &
Human Capital
Director
Arief Tendeas Direktur Bisnis 12 12 100 47 46 98 59 58 98
Business Director
Ganda Direktur Risiko, 12 12 100 47 44 94 59 56 95
Raharja Rusli Kepatuhan &
Hukum
Risk, Compliance
& Legal Director
Sajal Direktur Digital 12 12 100 47 43 91 59 55 93
Bhatnagar Digital Director
2024 Annual Report & Sustainability Report
359
Page 362
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Nominasi dan Nomination and Remuneration
Remunerasi Dewan of Board of Commissioners and
Komisaris dan Direksi Directors
Sebagai organ tertinggi dalam organisasi Bank, As the highest organ in the Bank’s organization,
Pemegang Saham memiliki kewenangan untuk Shareholders have the authority to appoint and
mengangkat dan memberhentikan anggota dismiss members of the Board of Commissioners
Dewan Komisaris dan Direksi melalui mekanisme and Directors through the GMS mechanism.
RUPS. Pemegang saham juga berwenang Shareholders are also authorized to delegate the
untuk mendelegasikan penetapan besaran determination of the amount of remuneration
remunerasi bagi anggota Dewan Komisaris for members of the Board of Commissioners
dan Direksi kepada Dewan Komisaris dengan and Directors to the Board of Commissioners
mempertimbangkan rekomendasi dari Komite by considering recommendations from the
Remunerasi dan Nominasi. Remuneration and Nomination Committee.
Prosedur Nominasi Dewan Komisaris Nomination Procedure for Board of
dan Direksi Commissioners and Directors
Allo Bank telah menetapkan sejumlah kriteria Allo Bank has set a number of criteria for
bagi anggota Dewan Komisaris dan Direksi members of the Board of Commissioners and
sesuai dengan ketentuan yang berlaku. Calon Board of Directors in accordance with applicable
anggota Dewan Komisaris dan Direksi dapat provisions. The Board of Commissioners and
berasal dari pemegang saham pengendali Directors candidates may come from controlling
atau dari sumber-sumber lainnya. Setiap calon shareholders or from other sources. The Bank
yang dinominasikan akan dikaji oleh Komite has established a number of criteria for members
Remunerasi dan Nominasi untuk disampaikan of the Board of Commissioners and Directors in
kepada Dewan Komisaris lalu diusulkan kepada accordance with applicable regulations. Each
Pemegang Saham. Penetapan calon yang nominated candidate will be reviewed by the
dinominasikan dilakukan melalui mekanisme Remuneration and Nomination Committee to
RUPS untuk kemudian mengikuti tahapan be submitted to the Board of Commissioners
selanjutnya, yaitu uji kepatutan dan kelayakan and then proposed to Shareholders. The
yang dilakukan oleh OJK. determination of the nominated candidates is
carried out through the GMS mechanism and
then follows the next stage, namely the fit and
proper test carried out by the OJK.
Kebijakan Remunerasi Dewan Remuneration Policy for Board of
Komisaris dan Direksi Commissioners and Directors
Bank menetapkan besaran remunerasi bagi The Bank determines the remuneration for
Dewan Komisaris dan Direksi berdasarkan the Board of Commissioners and Board of
Keputusan RUPS setiap tahunnya. Besaran Directors based on the Annual GMS Decision.
remunerasi serta fasilitas lain yang diberikan The remuneration amount and other benefits
bagi Dewan Komisaris akan ditetapkan di provided to the Board of Commissioners are
dalam RUPS Tahunan oleh Pemegang Saham determined in the Annual GMS by shareholders,
dengan memperhatikan rekomendasi dari taking into account the recommendations of
Komite Remunerasi dan Nominasi. Prosedur the Remuneration and Nomination Committee.
penetapan remunerasi bagi Dewan Komisaris The procedure for determining remuneration
dan Direksi terdiri dari: for the Board of Commissioners and Board of
Directors consists of:
1. Pemegang Saham melakukan pembahasan 1. The Shareholders conduct discussions at
pada RUPS. the GMS.
360 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 363
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
2. RUPS memberikan wewenang dan kuasa kepada Dewan 2. The GMS delegates authority to the Board of Commissioners
Komisaris untuk menetapkan besaran remunerasi. to determine the amount of remuneration.
3. Komite Remunerasi dan Nominasi melakukan kajian dan 3. The Remuneration and Nomination Committee conducts a
evaluasi untuk menentukan remunerasi bagi Dewan Komisaris. study and evaluation to determine the remuneration for the
Board of Commissioners.
4. Komite Remunerasi dan Nominasi memberikan rekomendasi 4. The Remuneration and Nomination Committee provides
kepada Dewan Komisaris. recommendations to the Board of Commissioners.
5. Dewan Komisaris melakukan pembahasan atas usulan Komite 5. The Board of Commissioners discusses the recommendations
Remunerasi dan Nominasi untuk kemudian diusulkan melalui from the Remuneration and Nomination Committee and
surat kepada Pemegang Saham Pengendali. proposes them to the Controlling Shareholders through a letter.
6. Surat Penetapan oleh Pemegang Saham Pengendali kepada 6. The Controlling Shareholders issue a Letter of Appointment
Dewan Komisaris. to the Board of Commissioners.
7. Surat Dewan Komisaris kepada Direksi tentang Penetapan 7. The Board of Commissioners issues a letter to the Directors
Remunerasi Dewan Komisaris dan Direksi. regarding the determination of remuneration for the Board of
Commissioners and Directors.
Struktur Remunerasi Anggota Dewan Komisaris dan Remuneration Structure for Members of the Board of
Direksi Commissioners and Directors
Kebijakan Remunerasi Dewan Komisaris dan Direksi Bank senantiasa The implementation of the remuneration policy for the Board of
mengacu pada ketentuan Peraturan OJK No. 45/POJK.03/2015 Commissioners and Board of Directors refers to the provisions
tentang Penerapan Tata Kelola dalam Pemberian Remunerasi of OJK Regulation No. 45/POJK.03/2015 regarding the
bagi Bank Umum serta Surat Edaran OJK No. 40/SEOJK.03/2016 Implementation of Governance in Providing Remuneration for
tentang Penerapan Tata Kelola dalam Pemberian Remunerasi Bank Conventional Bank and OJK Circular Letter No. 40/SEOJK.03/2016
Umum. Berdasarkan kebijakan tersebut, Dewan Komisaris dan regarding the Implementation of Governance in Providing
Direksi menerima paket remunerasi yang terdiri dari: Remuneration for Conventional Bank. Based on the policy, the Board
of Commissioners and Board of Directors receive a remuneration
package consisting of:
1. Remunerasi yang bersifat tetap, yaitu remunerasi yang tidak 1. Fixed remuneration, which is not related to performance and
dikaitkan dengan kinerja dan risiko, antara lain honorarium risk, including honorarium and holiday allowances.
dan tunjangan hari raya.
2. Remunerasi yang bersifat variabel, yaitu Remunerasi yang 2. Variable remuneration, which is linked to performance and risk,
dikaitkan dengan kinerja dan risiko, antara lain jasa produksi including production fees or equivalent forms.
atau bentuk lainnya yang dipersamakan dengan itu.
Jenis Remunerasi dan Fasilitas
Types of Remuneration and Facilities
Jumlah Diterima dalam Tahun 2024
Total Received in 2024
Jenis Remunerasi dan Fasilitas Lain Dewan Komisaris Direksi
No Types of Remuneration and Other Facilities Board of Commissioners Board of Directors
Orang Rp (Juta) Orang Rp (Juta)
People IDR (Million) People IDR(Million)
1 Remunerasi (Gaji, bonus, tunjangan rutin, tantiem, dan fasilitas 3 5,794 5 17,036
lainnya dalam bentuk non-natura)
Remuneration (Salary, bonuses, regular allowances, bonuses and
other facilities in the form of in-kind)
2 Fasilitas lain dalam bentuk natura (perumahan, transportasi,
asuransi kesehatan, dsb.)
Other facilities in kind (housing, transportation, health insurance,
etc.) which:
Dapat dimiliki Asuransi Asuransi
Can be owned Kesehatan Kesehatan
Health Insurance Health Insurance
Tidak Dapat dimiliki Transportasi Transportasi
Cannot be owned Transportation Transportation
2024 Annual Report & Sustainability Report
361
Page 364
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Remunerasi yang Didapat pada Tahun Buku
Remuneration Received in the Fiscal Year
Jumlah Remunerasi Per Orang dalam Tahun 2024 Direktur Komisaris
Total Remuneration Per Person in 2024 Board of Directors Board of Commissioners
Di atas Rp2 miliar 5 3
More than IDR 2 Billion
Di atas Rp1 miliar s.d. Rp2 miliar - -
Between IDR 1 to IDR 2 billion
Di atas Rp500 juta s.d. Rp1 miliar - -
Between IDR 500 million to IDR 1 billion
Rp500 juta ke bawah - -
Under IDR 500 million
Remunerasi yang Bersifat Variabel Bagi Karyawan Variable Remuneration for Employees
Jumlah Diterima dalam 1 Tahun oleh Karyawan
Amount Received by Employee in 1 Year
Remunerasi yang
Bersifat Variabel 2024 2023
Variable Remuneration
Orang Rp (juta) Orang Rp (juta)
People IDR (million) People IDR (million)
Jumlah Nihil Nihil Nihil Nihil
Total Nil Nil Nil Nil
Remunerasi yang Bersifat Variabel yang Ditangguhkan Deferred Variable Remuneration
Total remunerasi variabel yang ditangguhkan, yang terdiri dari The total deferred variable remuneration, consisting of payments
pembayaran dalam bentuk tunai dan/atau saham atau instrumen in cash and/or shares or share-based instruments issued by Allo
berbasis saham yang diterbitkan oleh Allo Bank, dan diterapkan Bank and applied to the 2024 payment, is as follows:
untuk pembayaran tahun 2024, adalah sebagai berikut:
Jumlah (dalam IDR atau % dari Remunerasi
Jenis Remunerasi Skema Pembayaran
Types of Remuneration Variabel) Payment Scheme
Amount (in IDR or % of Variable Remuneration)
Tunai yang Ditangguhkan Nihil Nihil
Deferred Cash Nil Nil
Saham Allo Bank Nihil Nihil
Allo Bank Shares Nil Nil
Rasio Gaji
Salary Ratio
Uraian Rasio
Description Ratio
Gaji Pegawai tertinggi dan terendah 31,73 x
The highest and lowest Employee salaries
Gaji Direksi tertinggi dan terendah 2,00 x
The highest and lowest Directors salaries
Gaji Komisaris tertinggi dan terendah 1,46 x
The highest and lowest Commissioner salaries
Gaji Direktur tertinggi dan Pegawai tertinggi 2,16 x
The highest and lowest Directors and Employees Salary
362 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 365
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Pengungkapan Hubungan Afiliasi antara Direksi, Disclosure of Affiliation Relationships between Board
Dewan Komisaris dan Pemegang Saham Utama dan/ of Directors, Board of Commissioners, and Major
atau Pengendali Shareholders and/or Controllers
Hubungan afiliasi antara Direksi, Dewan Komisaris dan Pemegang Affiliate relationship between the Board of Directors, Board of
Saham Allo Bank dapat dilihat dalam bentuk hubungan keluarga, Commissioners and Bank Shareholders can be seen from the
keuangan, kepemilikan saham dan kepengurusan di Perusahaan nature of family, financial, share ownership and management
lain (rangkap jabatan) yang menimbulkan benturan kepentingan, relationships in other companies (concurrent positions) which give
termasuk di antaranya hubungan keluarga sedarah sampai dengan rise to conflicts of interest, including blood family relationships
derajat ketiga, baik menurut garis lurus maupun garis ke samping up to the third degree, both in a straight line or sideways lines or
atau hubungan semenda; atau hubungan istimewa yang muncul cement relationships; or special relationships that arise as a result
sebagai akibat dari hubungan pihak berelasi. of related party relationships.
Hubungan afiliasi anggota Dewan Komisaris dengan sesama The affiliate relationship of members of the Board of Commissioners
anggota Dewan Komisaris dan/atau anggota Direksi serta Pemegang with fellow members of the Board of Commissioners and/or
Saham Utama/Pengendali sampai dengan entitas pemilik akhir members of the Board of Directors as well as Major/Controlling
dapat dilihat sebagai berikut: Shareholders up to the final owner entity can be seen as follows:
Hubungan Afiliasi
Affiliate Relations
Nama
Name Pemegang Saham Utama/
Dewan Komisaris Direksi
Board of Commissioners Board of Directors Pengendali
Major/Controlling Shareholder
Dewan Komisaris
Board of Commissioners
Aviliani × × ×
Rosmaya × × ×
Ali Gunawan × × ×
Direksi
Board of Directors
Indra Utoyo × × ×
Ari Yanuanto Asah × × ×
Arief Tendeas × × ×
Ganda Raharja Rusli × × ×
Sajal Bhatnagar × × ×
✓ = terdapat adanya hubungan / has relationship
× = tidak terdapat adanya hubungan / has no relationship
Pengungkapan Rangkap Jabatan Dewan Komisaris Disclosure of Concurrent Positions of Board of
dan Direksi Commissioners and Board of Directors
Rangkap Jabatan Dewan Komisaris Concurrent Positions of Board of Commissioners
BOC Charter senantiasa mengatur ketentuan terkait rangkap jabatan The BOC Charter regulates provisions related to concurrent
anggota Dewan Komisaris untuk memastikan pelaksanaan fungsi positions of Board of Commissioners members to ensure that their
pengawasan dan pemberian nasihat atas pengelolaan perusahaan supervisory and advisory functions in corporate management are
dapat berjalan secara optimal. Adapun kebijakan rangkap jabatan carried out optimally. The concurrent position policies regulated
yang diatur dalam BOC Charter, antara lain: in the BOC Charter include:
1. Komisaris dilarang melakukan rangkap jabatan sebagai anggota 1. Commissioners are prohibited from holding concurrent
Direksi, anggota Dewan Komisaris dan/atau Pejabat Eksekutif positions as members of the Board of Directors, members
dalam: of the Board of Commissioners and/or Executive Officers in:
a. Lembaga keuangan atau perusahaan keuangan, baik Bank a. Financial institutions or financial companies, whether banks
maupun bukan Bank, atau or non-banks, or
2024 Annual Report & Sustainability Report
363
Page 366
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
b. Lebih dari 1 (satu) lembaga bukan keuangan atau b. More than 1 (one) non-financial institution or non-financial
perusahaan bukan keuangan, baik yang berkedudukan company, either domiciled at home or abroad.
di dalam maupun di luar negeri.
2. Komisaris hanya dapat merangkap jabatan sebagai anggota 2. Commissioners can only hold concurrent positions as
Direksi, anggota Dewan Komisaris dan Pejabat Eksekutif pada: members of the Board of Directors, members of the Board of
Commissioners and Executive Officers when:
a. 1 (satu) lembaga/perusahaan bukan lembaga keuangan, a. 1 (one) non-financial institution/company, or
atau
b. 1 (satu) perusahaan anak bukan Bank yang dikendalikan b. 1 (one) non-Bank subsidiary company controlled by the
oleh Bank Bank
3. Tidak termasuk rangkap jabatan, apabila: 3. Not including concurrent positions, if:
a. Komisaris Non Independen menjalankan tugas fungsional a. Non-Independent Commissioners carry out the functional
dari pemegang saham Bank yang berbentuk badan hukum duties of Bank shareholders in the form of legal entities in
pada kelompok usahanya; dan/atau their business groups; and/or
b. Komisaris menduduki jabatan pada organisasi atau lembaga b. Commissioners hold positions in non-profit organizations or
nirlaba, sepanjang yang bersangkutan tidak mengabaikan institutions, as long as the person concerned does not neglect
pelaksanaan tugas dan tanggung jawab sebagai anggota the implementation of their duties and responsibilities as a
Dewan Komisaris Bank. member of the Bank’s Board of Commissioners.
Nama Rangkap Jabatan di Perseroan/Instansi Lain
Name Concurrent Positions in Other Companies/Agencies
Aviliani Komisaris Independen PT Aplikanusa Lintasarta.
Independent Commissioner of PT Aplikanusa Lintasarta.
Rosmaya Anggota Dewan Pengawas Independen ASPI.
Member of ASPI Independent Supervisory Board.
Ali Gunawan Group Financial Director, Direktur Mega Corpora dan Direktur/Komisaris di beberapa perusahaan dalam
kelompok usaha CT Corpora.
Group Financial Director, Director of Mega Corpora and Director/Commissioner in several companies within the
CT Corpora business group.
Di tahun 2024, terdapat 3 (tiga) anggota Dewan Komisaris yang In 2024, there were 3 (three) members of the Board of
memiliki rangkap jabatan, namun hal ini tidak melanggar ketentuan Commissioners who held concurrent positions, but this does not
yang dimuat dalam Anggaran Dasar Bank dan peraturan yang violate the provisions contained in the Bank’s Articles of Association
berlaku. and applicable regulations.
Rangkap Jabatan Direksi Concurrent Positions of the Board of Directors
Ketentuan rangkap jabatan anggota Direksi diatur dalam BOD Provisions for concurrent positions for members of the Board of
Charter tentang Rangkap Jabatan Direksi, mencakup: Directors are regulated in the BOD Charter concerning Multiple
Positions for Directors, including:
1. Anggota Direksi dilarang merangkap jabatan sebagai anggota 1. Members of the Board of Directors are prohibited from holding
Direksi, anggota Dewan Komisaris atau Pejabat Eksekutif pada concurrent positions as members of the Board of Directors,
bank, perusahaan dan/atau lembaga lain. members of the Board of Commissioners or Executive Officers
at banks, companies and/or other institutions.
2. Tidak termasuk rangkap jabatan dalam hal Direksi yang 2. Excluding concurrent positions in the event that the Directors
bertanggung jawab terhadap pengawasan atas penyertaan who are responsible for supervising the Bank’s investment in
Bank pada perusahaan anak, menjalankan tugas fungsional subsidiary companies, carry out functional duties as members of
menjadi anggota Dewan Komisaris pada perusahaan anak the Board of Commissioners in non-bank subsidiary companies
bukan bank yang dikendalikan oleh Bank, sepanjang tidak controlled by the Bank, as long as this does not result in the
mengakibatkan yang bersangkutan mengabaikan pelaksanaan person concerned neglecting the implementation of their duties
tugas dan tanggung jawab sebagai anggota Direksi Bank. and responsibilities as member of the Bank’s Board of Directors.
364 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 367
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Nama Rangkap Jabatan di Perseroan/Instansi Lain
Name Concurrent Positions in Other Companies/Agencies
Indra Utoyo ×
Ari Yanuanto Asah ×
Arief Tendeas ×
Ganda Raharja Rusli ×
Sajal Bhatnagar ×
Di tahun 2024, seluruh anggota Direksi Allo Bank tidak memiliki In 2024, all members of the Allo Bank Board of Directors did not
rangkap jabatan di Bank, perusahaan, maupun lembaga lainnya. have concurrent positions at the Bank, company or other institution.
Pengungkapan Kepemilikan Saham Dewan Komisaris dan Direksi
Disclosure of Share Ownership of the Board of Commissioners and Directors
Saham Allo Bank Saham Perusahaan Lain >5%
Allo Bank shares Other Company Shares >5%
Nama
Name
Nilai Persen Nilai Persen
Shares Percent Shares Percent
Dewan Komisaris
Board of Commissioner
Aviliani - - Nihil -
Nil
Rosmaya - - Nihil -
Nil
Ali Gunawan 10.067.300 0,046 Nihil -
Nil
Direksi
Board of Directors
Indra Utoyo 500.000 0,00 Nihil -
Nil
Ari Yanuanto Asah - - Nihil -
Nil
Arief Tendeas - - Nihil -
Nil
Ganda Raharja Rusli 62.884 0,00 Nihil -
Nil
Sajal Bhatnagar - - Nihil -
Nil
2024 Annual Report & Sustainability Report
365
Page 368
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Organ Pendukung Board of Commissioners
Dewan Komisaris Supporting Organ
Dewan Komisaris senantiasa dibantu oleh 3 (tiga) The Board of Commissioners is always assisted
Komite di bawah Dewan Komisaris, yaitu Komite by 3 (three) Committees, namely the Audit
Audit, Komite Pemantau Risiko, serta Komite Committee, the Risk Oversight Committee, and
Remunerasi dan Nominasi. Pembentukan the Remuneration and Nomination Committee.
komite tersebut ditujukan untuk membantu The establishment of these committees is
Dewan Komisaris dalam melaksanakan tugas intended to assist the Board of Commissioners
pengawasan. in performing its supervisory duties effectively.
Komite Audit Audit Committee
Komite Audit merupakan organ pendukung The Audit Committee is a supporting organ
yang bertugas untuk mendukung pelaksanaan of the Board of Commissioners whose task is
tugas Dewan Komisaris dalam memantau to support the implementation of the Board
dan mengevaluasi perencanaan maupun of Commissioners’ duties in monitoring and
pelaksanaan audit dan kecukupan proses evaluating the planning and implementation
laporan pelaporan keuangan termasuk of audits and the adequacy of the financial
memberikan rekomendasi penunjukan akuntan reporting process, including providing
publik serta melakukan pengawasan terhadap recommendations for the appointment of public
efektivitasnya. accountants and supervising their effectiveness.
Dasar Hukum Legal Basis
Pembentukan Komite Audit mengacu pada The formation of the Audit Committee is guided
peraturan perundang-undangan dan best by and based on applicable laws and regulations
practice yang diterapkan di lembaga perbankan as well as best practices implemented in
di Indonesia, di antaranya: banking institutions in Indonesia, including:
1. Peraturan Otoritas Jasa Keuangan (“POJK”) 1. Financial Services Authority Regulation
POJK No. 33/POJK.04/2014 tanggal 8 (“POJK”) POJK No. 33/POJK.04/2014
Desember 2014 tentang Direksi dan Dewan dated December 8, 2014 concerning the
Komisaris Emiten atau Perusahaan Publik. Directors and Board of Commissioners of
Issuers or Public Companies.
2. POJK No. 17/POJK.03/2023 tanggal 14 2. POJK No. 17/POJK.03/2023 dated
September 2023 tentang Penerapan Tata September 14, 202 3 concerning
Kelola bagi Bank Umum. Implementation of Governance for
Conventional Bank.
3. POJK No. 13/POJK.03/2017 tanggal 27 3. POJK No. 13/POJK.03/2017 dated March
Maret 2017 tentang Penggunaan Jasa 27, 2017 concerning the Use of Public
Akuntan Publik dan Kantor Akuntan Publik Accounting Services and Public Accounting
dalam Kegiatan Jasa Keuangan. Firms in Financial Services Activities.
4. POJK No. 1/POJK.03/2019 tanggal 28 4. POJK No. 1/POJK.03/2019 dated January
Januari 2019 tentang Penerapan Fungsi 28, 2019 concerning Implementation of
Audit Intern pada Bank Umum. the Internal Audit Function in Conventional
Bank.
5. SEOJK No. 36/SEOJK.03/2017 tentang 5. SEOJK No. 36/SEOJK.03/2017 concerning
Tata Cara Penggunaan Jasa Akuntan Publik Procedures for Using the Services of Public
dan Kantor Akuntan Publik dalam Kegiatan Accountants and Public Accounting Firms
Jasa Keuangan. in Financial Services Activities.
6. Anggaran Dasar Bank. 6. Bank Articles of Association.
366 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 369
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tujuan Pembentukan Komite Audit Purpose of Establishing the Audit Committee
Bank membentuk Komite Audit dengan tujuan untuk: The Bank established an Audit Committee to:
1. Membantu/mendukung efektivitas pelaksanaan tugas Dewan 1. Assist/support the effectiveness of the Board of Commissioners’
Komisaris dalam melakukan pengawasan atas pengelolaan supervisory duties over the management of the company by
perusahaan oleh Direksi. the Board of Directors.
2. Melakukan pengawasan dan evaluasi atas penerapan fungsi 2. Supervise and evaluate the implementation of internal and
audit internal dan eksternal, serta kecukupan pengendalian external audit functions, the adequacy of internal controls on
internal pada proses pelaporan keuangan. financial reporting processes.
3. Memberikan rekomendasi penunjukan Kantor Akuntan Publik 3. Provide recommendations for the appointment of Public
kepada Dewan Komisaris. Accountant Firm to the Board of Commissioners.
Pedoman Kerja: Piagam Komite Audit Work Guidelines: Audit Committee Charter
Komite Audit melaksanakan tugas dan tanggung jawabnya dalam The Audit Committee performs its duties and responsibilities in
melakukan pengawasan terhadap pengendalian internal dengan supervising internal control by adhering to the Audit Committee
mengacu kepada Piagam Komite Audit. Piagam Komite Audit Charter. The Audit Committee Charter and the Allo Bank Audit
dan Kode Etik Komite Audit Allo Bank telah disesuaikan dengan Committee Code of Ethics have been adjusted to OJK Regulation
Peraturan OJK No. 55/POJK.04/2015 tentang Pembentukan dan No. 55/POJK.04/2015 on the Establishment and Guidelines for
Pedoman Pelaksanaan Kerja Komite Audit. Implementing the Work of the Audit Committee.
Masa Tugas dan Kompensasi Term of Service and Compensation
1. Masa tugas anggota Komite Audit tidak boleh lebih lama dari 1. The term of office of members of the Audit Committee may not
masa jabatan Dewan Komisaris sebagaimana diatur dalam be longer than the term of office of the Board of Commissioners
Anggaran Dasar dan dapat dipilih kembali untuk 1 (satu) periode as regulated in the Articles of Association and may be re-elected
berikutnya. for 1 (one) subsequent period.
2. Apabila anggota Dewan Komisaris yang menjadi Ketua Komite 2. If the member of the Board of Commissioners who is the Head
Audit berhenti sebelum masa tugasnya sebagai Komisaris of the Audit Committee resigns before his/her term of office
Bank, maka Ketua Komite Audit digantikan oleh Komisaris as Bank Commissioner, the Head of the Audit Committee will
Independen lainnya. be replaced by another Independent Commissioner.
3. Apabila masa tugas sebagai Dewan Komisaris berakhir, maka 3. If the term of service as a Board of Commissioners ends, the
berakhir pula masa tugasnya sebagai Anggota Komite Audit. term of duty as a Member of the Audit Committee also ends.
4. Anggota Komite Audit yang berasal dari Pihak Independen 4. Audit Committee members who come from Independent Non-
Non Komisaris diberi honorarium bulanan yang jumlahnya Commissioner Parties are given a monthly honorarium, the
ditetapkan oleh Dewan Komisaris dengan tetap mengacu pada amount of which is determined by the Board of Commissioners
ketentuan perundangan yang berlaku. while still referring to the applicable statutory provisions.
Persyaratan Keanggotaan Membership Requirements
1. Persyaratan umum: 1. General requirements:
a. Memiliki integritas, akhlak dan moral yang baik. a. Have integrity, good morals and morals.
b. Tidak memiliki kepentingan/keterkaitan pribadi yang dapat b. Have no personal interests/relationships that could give
menimbulkan conflict of interest terhadap Bank. rise to a conflict of interest towards the Bank.
2. Persyaratan Kompetensi: 2. Competency Requirements:
a. Memiliki keahlian, kemampuan, pengetahuan dan a. Have adequate skills, abilities, knowledge and experience
pengalaman yang memadai yang berhubungan dengan related to their duties and responsibilities.
tugas dan tanggung jawabnya.
b. Memiliki pengetahuan yang cukup untuk memahami bisnis b. Have sufficient knowledge to understand the business and
dan industri perbankan, proses audit, manajemen risiko banking industry, audit processes, risk management and the
dan kemampuan membaca laporan keuangan dan laporan- ability to read financial reports and reports related to the
laporan terkait pelaksanaan pengendalian internal industri implementation of internal control in the banking industry.
perbankan.
c. Mampu bekerja sama dan memiliki kemampuan c. Able to work together and have the ability to communicate
berkomunikasi dengan baik dan efektif serta bersedia well and effectively and willing to provide sufficient time
menyediakan waktu yang cukup untuk melaksanakan to carry out their duties.
tugasnya.
2024 Annual Report & Sustainability Report
367
Page 370
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
d. Memiliki pengetahuan yang memadai tentang Anggaran d. Have adequate knowledge of the Bank’s Articles of
Dasar Bank, peraturan perundangan di bidang perbankan, Association, laws and regulations in the banking sector,
Pasar Modal dan peraturan perundangan terkait lainnya. Capital Markets and other related laws and regulations.
e. Bersedia meningkatkan kompetensi secara terus-menerus e. Be willing to continuously improve competence through
melalui pendidikan dan pelatihan. education and training.
3. Persyaratan Independensi: 3. Independence Requirements:
a. Tidak memiliki saham Bank, baik langsung maupun tidak a. Do not own Bank shares, either directly or indirectly.
langsung.
b. Dalam hal anggota Komite Audit memperoleh saham b. In the event that a member of the Audit Committee acquires
Bank baik langsung maupun tidak langsung akibat suatu the Bank shares either directly or indirectly as a result of a
peristiwa hukum, saham tersebut wajib dialihkan kepada legal incident, the shares must be transferred to another
pihak lain dalam jangka waktu paling lama 6 (enam) bulan party within a period of no later than 6 (six) months after
setelah diperolehnya saham tersebut; acquiring the shares;
c. Bukan merupakan orang dalam Kantor Akuntan Publik, c. Not a person in a Public Accounting Firm, Legal Consultant
Kantor Konsultan Hukum, Kantor Jasa Penilai Publik atau Firm, Public Appraisal Services Firm or other party
pihak lain yang memberi jasa asuransi, jasa non-asuransi, providing insurance services, non-insurance services,
jasa penilai dan/atau jasa konsultasi lain kepada Bank dalam appraisal services and/or other consulting services to the
waktu 6 (enam) bulan terakhir; Bank within the last 6 (six) months;
d. Tidak memiliki hubungan afiliasi dengan Bank, Komisaris, d. Have no affiliation with the Bank, Commissioners, Directors
Direksi dan pemegang saham utama Bank. and main shareholders of the Bank.
e. Tidak memiliki hubungan usaha baik langsung maupun e. Have no direct or indirect business relationship with the
tidak langsung dengan Bank. Bank.
f. Mantan anggota Direksi atau Pejabat Eksekutif Bank atau f. Former members of the Board of Directors or Executive
pihak yang mempunyai hubungan dengan Bank yang dapat Officers of the Bank or parties who have a relationship
mempengaruhi kemampuan yang bersangkutan untuk with the Bank that can influence the person’s ability
bertindak independen dilarang menjadi Pihak Independen to act independently are prohibited from becoming
dalam anggota komite pada Bank yang bersangkutan Independent Parties as members of the committee at the
sebelum menjalani masa tunggu paling singkat 6 (enam) Bank concerned before undergoing a waiting period of
bulan. at least 6 (six) months.
g. Masa tunggu paling singkat 6 (enam) bulan tidak berlaku g. The shortest waiting period of 6 (six) months does not apply
bagi mantan anggota Direksi yang membawahkan fungsi to former members of the Board of Directors who are in
pengawasan atau Pejabat Eksekutif yang melakukan fungsi charge of supervisory functions or Executive Officers who
pengawasan pada Bank. carry out supervisory functions at the Bank.
4. Kerahasiaan: 4. Confidentiality:
a. Anggota Komite Audit wajib menjaga kerahasiaan atas a. Audit Committee members are required to maintain the
seluruh dokumen dan/atau informasi Bank serta segala confidentiality of all Bank documents and/or information
sesuatu yang berhubungan dengan Bank dan pelaksanaan as well as everything related to the Bank and the
tugas Komite. Adapun pengklasifikasian kerahasiaan implementation of the Committee’s duties. The classification
dokumen dan/atau informasi Bank tersebut mengacu pada of confidentiality of Bank documents and/ or information
ketentuan internal dan peraturan perundang- undangan refers to internal provisions and applicable laws and
yang berlaku. regulations.
b. Kewajiban untuk merahasiakan berlaku pula apabila masa b. The obligation to keep confidential also applies if the term
jabatan sebagai anggota Komite Audit maupun masa of office as a member of the Audit Committee or term of
jabatan sebagai anggota Dewan Komisaris di Bank berakhir office as a member of the Board of Commissioners at
the Bank ends.
Komposisi Anggota Komite Audit Composition of Audit Committee Members
Komposisi Komite Audit wajib wajib memenuhi ketentuan sebagai The composition of the Audit Committee must meet the following
berikut: provisions:
1. Komite Audit sekurang-kurangnya terdiri dari 3 (tiga) orang 1. The Audit Committee consists of at least 3 (three) members
yang berasal dari Komisaris Independen dan Pihak Independen. from Independent Commissioners and Independent Parties.
2. Komposisi keanggotaan Komite Audit paling kurang 1 (satu) 2. The composition of the Audit Committee membership is at least
orang Komisaris Independen sebagai Ketua merangkap 1 (one) Independent Commissioner as Chair and member, 1
368 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 371
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
anggota, 1 (satu) orang Pihak Independen Non Komisaris yang (one) Independent Non-Commissioner who has expertise in the
memiliki keahlian di bidang keuangan atau akuntansi, dan 1 field of finance or accounting, and 1 (one) Independent Non-
(satu) orang Pihak Independen Non Komisaris yang memiliki Commissioner who has expertise in the field of law or banking.
keahlian di bidang hukum atau perbankan.
3. Keahlian Anggota Komite Audit yang berasal dari Pihak 3. The expertise of Audit Committee Members who come from
Independen dibuktikan paling sedikit dengan kepemilikan Independent Parties is proven at least by having a competency
sertifikat kompetensi yang mendukung pelaksanaan fungsi certificate that supports the implementation of the Committee’s
dan tanggung jawab Komite. functions and responsibilities.
4. Anggota Direksi Bank maupun Bank lain dilarang menjadi 4. Members of the Board of Directors of Banks or other Banks are
anggota Komite Audit. prohibited from becoming members of the Audit Committee.
5. Komisaris Independen dan Pihak Independen yang menjadi 5. Independent Commissioners and Independent Parties who are
anggota Komite Audit paling sedikit berjumlah 51% (lima puluh members of the Audit Committee constitute at least 51% (fifty
satu persen) dari jumlah anggota Komite Audit. one percent) of the total members of the Audit Committee.
6. Ketua Komite Audit hanya dapat merangkap jabatan sebagai 6. The Head of the Audit Committee can only hold the same
ketua Komite paling banyak pada 1 (satu) Komite lainnya. position as a Head of Committee for a maximum of 1 (one)
other Committee.
7. Dalam melaksanakan tugas sehari-hari Komite dapat dibantu 7. In carrying out the daily duties of the Committee, the Committee
oleh staf dan atau Sekretaris Komite yang ditunjuk berdasarkan can be assisted by staff and/or the Committee Secretary
keputusan rapat Komite Audit. appointed based on the decision of the Audit Committee
meeting.
Pada tahun 2024, komposisi Komite Audit Bank berjumlah 3 In 2024, the composition of the Audit Committee consisted of 3
(tiga) orang yang terdiri dari 1 (satu) orang Ketua yang berasal (three) people consisting of 1 (one) Chairman who served as an
dari Komisaris Independen Bank dan 2 (dua) orang anggota yang Independent Commissioner of the Bank and 2 (two) members who
berasal dari pihak independen. Adapun komposisi anggota Komite came from independent parties. The composition of the Bank’s
Audit Bank pada tahun 2024 adalah sebagai berikut: Audit Committee members in 2023 is as follows:
Susunan Komite Audit per 31 Desember 2024
Composition of the Audit Committee as of December 31, 2024
Periode
Nama Jabatan Dasar Pengangkatan Masa Jabatan
Name Position Basis of Appointment Term of Office Jabatan
Period
Aviliani Ketua Surat Keputusan No. SK: 072/DIRAB/24 tanggal 2 September 2024 Mengikuti masa jabatan sebagai
Chairwoman tentang Penetapan Struktur Keanggotaan Komite Audit. Dewan Komisaris
Decision Letter No. SK: 072/DIRAB/24 dated September 2, 2024 Following the term of office as the
concerning Determination of the Audit Committee Membership Structure. Board of Commissioners
Siswandi Anggota Surat Keputusan No. SK: 072/DIRAB/24 tanggal 2 September 2024 2 tahun
Pujo Member tentang Penetapan Struktur Keanggotaan Komite Audit. 2 years
Decision Letter No. SK: 072/DIRAB/24 dated September 2, 2024
concerning Determination of the Audit Committee Membership Structure.
Lista Irna Anggota Surat Keputusan No. SK: 072/DIRAB/24 tanggal 2 September 2024 2 tahun
Member tentang Penetapan Struktur Keanggotaan Komite Audit. 2 years
Decision Letter No. SK: 072/DIRAB/24 dated September 2, 2024
concerning Determination of the Audit Committee Membership Structure.
Aviliani
Ketua Komite Audit/Komisaris Utama Independen
Chairwoman of the Audit Committee/Independent President Commissioner
Profil Aviliani selaku Ketua Komite Audit/Komisaris Utama Independen dapat dilihat pada bagian Profil Dewan Komisaris dalam Bab Profil
Perusahaan Laporan Tahunan ini.
Aviliani’s profile as Chair of the Audit Committee/Independent Main Commissioner can be seen in the Profile of the Board of Commissioners
section in the Company Profile Chapter of this Annual Report.
2024 Annual Report & Sustainability Report
369
Page 372
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Siswandi Pujo
Sasongko Kewarganegaraan
Citizenship
Indonesia
Indonesian
Anggota Komite Audit Usia 57 tahun
Age 57 years old
Audit Committee Member
Kelahiran Madiun, 24 April 1967
Place and Date of Birth Madiun, April 24, 1967
Domisili Pamulang, Tangerang Selatan, Banten
Domicile Pamulang, South Tangerang, Banten
Riwayat Pendidikan S1 Akuntansi
Educational background Bachelor’s Degree in Accounting
Riwayat Pekerjaan • Fraud Banking Investigation Bank Mega, 2012 - 2022
Employment History • Audit Bank Mega, 1992 - 2012
• Staf Akuntansi Bank Karman, 1991 – 1992
• Fraud Banking Investigation at Bank Mega, 2012 - 2022
• Audit at Bank Mega, 1992 - 2012
• Accounting Staff at Bank Karman, 1991 - 1992
Pendidikan dan/atau • Sertifikasi Risk Manajemen Jenjang 5 - BARA
Sertifikasi Profesi yang • Sertifikasi Risk Manajemen Jenjang 6 - LSPI
Berlaku • Sertifikasi Risk Manajemen Jenang 7 – LSPI
Applicable Education • Risk Management Certification Level 5 - BARA
and/or Professional • Risk Management Certification Level 6 - LSPI
Certifications • Risk Management Certification Level 7 - LSPI
Lista Irna Kewarganegaraan
Citizenship
Indonesia
Indonesian
Anggota Komite Audit Usia 57 tahun
Age 57 years old
Audit Committee Member
Kelahiran Cerenti, 15 Oktober 1967
Place and Date of Birth Cerenti, October 15, 1967
Domisili DKI Jakarta
Domicile DKI Jakarta
Riwayat Pendidikan S2 MBA, Swiss German University (2005)
Educational background Master’s Degree in Business Administration, Swiss German
University (2005)
Riwayat Pekerjaan • Bank Mandiri, 2016-2020
Employment History • RaboBank dan LPPI, 2016
• Bank Danamon, 2010-2016
Pendidikan dan/atau Sertifikasi LSPP Jenjang 7
Sertifikasi Profesi yang LSPP Certification Level 7
Berlaku
Applicable Education
and/or Professional
Certifications
370 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 373
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tugas dan Tanggung Jawab Komite Audit Duties and Responsibilities of the Audit Committee
Dalam menjalankan fungsinya, Komite harus bertindak secara In carrying out its functions, the Committee must act independently
independen dalam melaksanakan tugas dan tanggung jawab in carrying out its duties and responsibilities, including the following:
antara lain sebagai berikut:
1. Memastikan kecukupan dan integritas pengendalian internal 1. Ensure the adequacy and integrity of internal controls and
dan sistem informasi manajemen terkait; related management information systems;
2. Melakukan penelaahan dan memastikan kesesuaian dengan 2. Review and ensure compliance with financial accounting
standar akuntansi keuangan atas informasi keuangan yang standards for financial information that will be released by
akan dikeluarkan Bank kepada publik dan/atau pihak otoritas the Bank to the public and/or authorities, including financial
antara lain laporan keuangan, proyeksi, dan laporan lainnya reports, projections and other reports related to the Bank’s
terkait dengan informasi keuangan Bank; financial information;
3. Melakukan penelaahan atas ketaatan terhadap peraturan 3. Review compliance with laws and regulations relating to Bank
perundang-undangan yang berhubungan dengan kegiatan activities;
Bank;
4. Memberikan pendapat independen dalam hal terjadi perbedaan 4. Provide independent opinions in the event of differences
pendapat antara manajemen dan Auditor Eksternal atas jasa of opinion between management and the External Auditor
yang diberikannya; regarding the services provided;
5. Memberikan rekomendasi kepada Dewan Komisaris mengenai 5. Provide recommendations to the Board of Commissioners
penunjukan Auditor Eksternal yang didasarkan pada regarding the appointment of an External Auditor based on
independensi, ruang lingkup penugasan, dan imbalan jasa; independence, scope of assignment and compensation for
services;
6. Melakukan penelaahan atas pelaksanaan tugas pemeriksaan 6. Review the implementation of audit duties by the Internal Audit
oleh Satuan Kerja Audit Internal dan mengawasi pelaksanaan Work Unit and supervise the implementation of followup actions
tindak lanjut oleh Direksi atas temuan Satuan Kerja Audit by the Board of Directors regarding the findings of the Internal
Internal; Audit Work Unit;
7. Melakukan pemantauan dan evaluasi terhadap pelaksanaan 7. Monitor and evaluate the implementation of follow-up actions
tindak lanjut oleh Direksi atas hasil temuan Auditor Eksternal by the Board of Directors regarding the findings of the External
dan hasil pemeriksaan OJK/BI; Auditor and the results of OJK/BI audits;
8. Menelaah pengaduan yang berkaitan dengan proses akuntansi 8. Review complaints related to the Bank’s accounting and
dan pelaporan keuangan Bank; financial reporting processes;
9. Menelaah dan memberikan saran kepada Dewan Komisaris 9. Review and provide advice to the Board of Commissioners
terkait dengan adanya potensi benturan kepentingan Bank; regarding potential conflicts of interest of the Bank;
10. Memberikan rekomendasi kepada Dewan Komisaris mengenai 10. Provide recommendations to the Board of Commissioners
pengangkatan dan pemberhentian Kepala Satuan Kerja Audit regarding the appointment and dismissal of the Head of the
Internal dan memastikan bahwa laporan pengangkatan dan Internal Audit Work Unit and ensure that the report on the
pemberhentian Kepala Satuan Kerja Audit Internal yang appointment and dismissal of the Head of the Internal Audit
ditandatangani ditandatangani oleh Direktur Utama dan Work Unit signed by the President Director and President
Komisaris Utama disampaikan kepada OJK paling lambat Commissioner is submitted to the OJK no later than 10 (ten)
10 (sepuluh) hari kerja setelah tanggal pengangkatan atau working days after the date appointment or dismissal of the
pemberhentian Kepala Satuan Kerja Audit Internal; Head of the Internal Audit Work Unit;
11. Dalam pelaksanaan fungsi audit internal, Komite Audit 11. In implementing the internal audit function, the Audit Committee
bertanggung jawab: is responsible for:
a. memantau dan mengkaji efektivitas pelaksanaan audit a. monitoring and reviewing the effectiveness of internal
internal; audit implementation;
b. mengevaluasi kinerja Satuan Kerja Audit Internal; b. evaluating the performance of the Internal Audit Work Unit;
c. memastikan Satuan Kerja Audit Internal melakukan c. ensuring that the Internal Audit Work Unit communicates
komunikasi dengan Direksi, Dewan Komisaris, auditor with the Board of Directors, Board of Commissioners,
eksternal dan Otoritas Jasa Keuangan; external auditors and the Financial Services Authority;
d. memastikan Satuan Kerja Audit Internal bekerja secara d. ensuring that the Internal Audit Work Unit works
independen; independently;
e. memberikan rekomendasi kepada Dewan Komisaris terkait e. providing recommendations to the Board of Commissioners
penyusunan rencana audit, ruang lingkup dan anggaran regarding the preparation of the audit plan, scope and
Satuan Kerja Audit Internal; budget of the Internal Audit Work Unit;
f. meninjau laporan audit dan memastikan Direksi mengambil f. reviewing audit reports and ensuring that the Board of
tindakan perbaikan yang diperlukan secara cepat untuk Directors takes necessary corrective action quickly to
2024 Annual Report & Sustainability Report
371
Page 374
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
mengatasi kelemahan pengendalian, fraud, masalah address control weaknesses, fraud, compliance issues with
kepatuhan terhadap kebijakan, undang-undang, dan policies, laws and regulations, or other problems identified
peraturan, atau masalah lain yang diidentifikasi dan and reported by the Internal Audit Work Unit;
dilaporkan oleh Satuan Kerja Audit Internal;
g. memberikan rekomendasi kepada Dewan Komisaris terkait g. providing recommendations to the Board of Commissioners
pemberian remunerasi tahunan Satuan Kerja Audit Internal regarding the provision of annual remuneration for the
secara keseluruhan serta penghargaan kinerja; dan Internal Audit Work Unit as a whole as well as performance
awards; and
h. memastikan Satuan Kerja Audit Internal menjunjung tinggi h. ensuring that the Internal Audit Work Unit upholds integrity
integritas dalam pelaksanaan tugas. in carrying out its duties.
12. Komite Audit wajib memastikan bahwa laporan khusus 12. The Audit Committee is obliged to ensure that a special
mengenai setiap temuan audit internal yang diperkirakan dapat report regarding any internal audit findings that are expected
membahayakan kelangsungan usaha Bank yang ditandatangani to compromise the Bank’s business continuity, signed by the
oleh Direktur Utama dan Komisaris Independen yang menjadi President Director and Independent Commissioner who is the
Ketua Komite Audit disampaikan kepada OJK paling lambat 3 Chair of the Audit Committee, is submitted to the OJK no later
(tiga) hari kerja setelah ditemukan. than 3 (three) working days after the discovery.
13. Komite Audit wajib memastikan bahwa laporan pelaksanaan 13. The Audit Committee is obliged to ensure that the
dan pokok-pokok hasil audit internal disampaikan kepada OJK implementation report and main points of internal audit results
secara semesteran paling lambat: are submitted to the OJK on a semi-annual basis no later than:
a. tanggal 31 Juli tahun berjalan untuk semester kesatu; a. July 31 of the current year for the first semester;
b. tanggal 31 Januari tahun berikutnya untuk semester kedua. b. January 31 of the following year for the second semester.
14. Memberikan rekomendasi kepada Dewan Komisaris mengenai 14. Provide recommendations to the Board of Commissioners
penunjukan pengendali mutu independen dari pihak eksternal regarding the appointment of an independent quality controller
untuk melakukan kaji ulang terhadap kinerja Satuan Kerja Audit from an external party to review the performance of the Internal
Internal. Komite Audit wajib memastikan bahwa laporan hasil Audit Work Unit. The Audit Committee is obliged to ensure that
kaji ulang pihak eksternal yang independen yang ditandatangani the independent external party review report signed by the
oleh Direktur Utama dan Komisaris Utama disampaikan kepada President Director and President Commissioner is submitted
OJK paling lambat 2 (dua) bulan setelah periode pengkajian to the OJK no later than 2 (two) months after the review period
berakhir; ends;
15. Melakukan pertemuan secara berkala dengan unit-unit kerja 15. Hold regular meetings with related work units to discuss matters
terkait guna membahas hal-hal yang berada dalam lingkup within the scope of their supervision;
pengawasannya;
16. Menyusun Piagam Kerja Komite Audit dan melakukan reviu 16. Develop an Audit Committee Work Charter and conduct a
sesuai kebutuhan paling kurang 2 (dua) tahun sekali; review as needed at least once every 2 (two) years;
17. Melaporkan hasil pemantauan dan penelaahan secara berkala, 17. Report the results of monitoring and reviews periodically, as
serta memberi masukan atas hal-hal yang perlu menjadi well as provide input on matters that need the attention of the
perhatian Dewan Komisaris; Board of Commissioners;
18. Ketua Komite Audit bertugas dan bertanggung jawab untuk 18. The Head of the Audit Committee is tasked with and responsible
melakukan koordinasi atas seluruh kegiatan Komite untuk for coordinating all Committee activities to fulfill the Committee’s
memenuhi tujuan Komite sesuai dengan pembentukannya; objectives in accordance with its formation;
19. Ketua dan anggota Komite Audit bertanggung jawab untuk 19. The Head and members of the Audit Committee are responsible
hal-hal sebagai berikut: for the following matters:
a. Menentukan rencana kerja tahunan. a. Determining the annual work plan.
b. Menentukan jadwal rapat tahunan. b. Determining the annual meeting schedule.
c. Membuat laporan berkala mengenai kegiatan Komite serta c. Making periodic reports regarding Committee activities
hal-hal yang dirasakan perlu untuk menjadi perhatian and matters deemed necessary for the attention of the
Dewan Komisaris. Board of Commissioners.
d. Menunjuk anggota Komite Audit non Dewan Komisaris d. Appointing non-Board of Commissioners Audit Committee
atau menunjuk pihak ketiga lainnya sebagai sekretaris members or appoint other third parties as Committee
Komite untuk mencatat Rapat Komite dan membuat Risalah secretaries to record Committee Meetings and prepare
Rapat Komite. Minutes of Committee Meetings.
e. Menghadiri rapat. e. Attending meetings.
f. Berperan aktif dan memberikan kontribusinya dalam setiap f. Playing an active role and contribute to every Committee
kegiatan Rapat Komite. Meeting activity.
372 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 375
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Wewenang Komite Audit Authority of the Audit Committee
Dalam melaksanakan tugasnya, Komite memiliki wewenang sebagai In carrying out its duties, the Committee has the following
berikut: authorities:
1. Melakukan komunikasi dengan Kepala Unit Kerja, pihak-pihak 1. Communicate with the Head of Work Unit and other parties
lain di Bank dan auditor eksternal untuk memperoleh informasi, at the Bank to obtain information, clarification and request
klarifikasi serta meminta dokumen dan laporan yang diperlukan. necessary documents and reports.
2. Mengakses catatan atau informasi tentang pegawai, dana, aset 2. Access records or information about employees, funds, assets
serta sumber daya perusahaan lainnya yang berkaitan dengan and other company resources related to the implementation
pelaksanaan tugasnya. of their duties.
3. Memperoleh Laporan Keuangan, Laporan Audit dan laporan 3. Obtain Financial Reports, Audit Reports and other reports
lainnya terkait penerapan pengendalian internal Bank. related to the implementation of the Bank's internal controls.
4. Mendapatkan masukan dan atau saran dari pihak luar Bank 4. Obtain input and/or suggestions from parties outside the Bank
yang berkaitan dengan tugasnya. related to their duties.
5. Melakukan kewenangan lain yang diberikan oleh Dewan 5. Carry out other authorities granted by the Board of
Komisaris. Commissioners.
Independensi Komite Audit Independence of the Audit Committee
Seluruh anggota Komite Audit wajib memberikan pernyataan All members of the Audit Committee are required to provide an
independensi yang diperbarui secara berkala setiap tahunnya. independence statement that is updated periodically every year.
Pernyataan independensi Komite Audit disusun sesuai POJK No. 55/ The statement of independence of the Audit Committee is prepared
POJK.04/2015 tentang Pembentukan dan Pedoman Pelaksanaan in accordance with POJK No. 55/POJK.04/2015 concerning the
Kerja Komite Audit Pasal 7, terkait persyaratan Keanggotaan dan Establishment and Guidelines for the Work Implementation of Audit
Masa tugas Komite Audit. Committee in Article 7, regarding the requirements for membership
and the term of office of the Audit Committee.
Aspek Independensi Siswandi Pujo
Aviliani Lista Irna
Independence Aspect Sasongko
Tidak memiliki hubungan afiliasi dengan Pemegang Saham, Dewan
Komisaris, serta Direksi.
Has no affiliation with the Shareholders, the Board of Commissioners, ✓ ✓ ✓
and the Board of Directors.
Tidak memiliki hubungan usaha secara langsung dan tidak langsung
dengan perusahaan. ✓ ✓ ✓
Has no direct or indirect business relationship with the Company.
Tidak memiliki hubungan kepengurusan dengan perusahaan.
Has no management relationship with the Company. ✓ ✓ ✓
Tidak memiliki saham langsung maupun tidak langsung di perusahaan.
Does not own direct or indirect shares in the Company. ✓ ✓ ✓
✓ = ada | has relationship
× = tidak ada | has no relationship
Rapat Komite Audit Audit Committee Meeting
Komite Audit dapat melaksanakan rapat sekurang-kurangnya The Audit Committee can hold meetings at least 1 (one) time in 1
sebanyak 1 (satu) kali dalam 1 (satu) bulan. Rapat Komite Audit (one) month. Audit Committee meetings can also be attended by
juga dapat dihadiri oleh anggota Dewan Komisaris, Direksi, atau members of the Board of Commissioners, Directors or External
Auditor Eksternal Bank apabila diperlukan. Auditors of the Bank if necessary.
Sepanjang tahun 2024, Komite Audit telah menyelenggarakan Throughout 2024, the Audit Committee held 15 meetings with
rapat sebanyak 15 kali dengan frekuensi kehadiran dan rincian the frequency of attendance and details of the discussion agenda
agenda pembahasan sebagai berikut: presented as follows:
2024 Annual Report & Sustainability Report
373
Page 376
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Nama Jabatan Jumlah Kehadiran Rapat
Name Position Number of Meeting
Aviliani Ketua Komite Audit 15/15 (100%)
Head of Audit Committee
Siswandi Pujo Sasongko Anggota Komite Audit 15/15 (100%)
Member of Audit Committee
Lista Irna Anggota Komite Audit 5/5 (100%)
Member of Audit Committee
Tanggal Rapat Agenda Rapat Peserta Rapat
No Date Meeting Agenda Participants
1 01/10/2024 1. Laporan Hasil Audit Semester II/2023 1. Aviliani
2. Laporan Strategi Anti Fraud Semester II/2023 2. Siswandi Pujo S.
3. Rencana Kerja Audit tahun 2024 3. Aulia Usmanto
1. Audit Result Report for Semester II/2023
2. Anti-Fraud Strategy Report for Semester II/2023
3. Audit Work Plan for 2024
2 24/01/2024 Penelaahan Laporan Performance Keuangan Tahunan (LKT) per 1. Aviliani
31/12/2023 2. Siswandi Pujo S.
3. Aulia Usmanto
Review of the Annual Financial Performance Report (LKT) as of
12/31/2023
3 21/02/2024 Pembahasan Kertas Kerja (Self-Assessment) tata kelola risiko kepatuhan 1. Aviliani
atas pelaksanaan fungsi Internal Audit (SKAI) dalam rangka Penilaian 2. Siswandi Pujo S.
Good Corporate Government 3. Aulia Usmanto
Discussion of Work Papers (Self-Assessment) on Compliance Risk
Management of the Implementation of the Internal Audit Function (IAF) in
the Context of Good Corporate Governance Assessment
4 25/03/2024 1. Pembahasan Pemenuhan Organisasi Internal Audit 1. Aviliani
2. Pembahasan Hasil Audit Q1 - 2024 2. Siswandi Pujo S.
3. Kasus Fraud 3. Aulia Usmanto
1. Discussion of Internal Audit Organization Fulfillment
2. Discussion of Q1 - 2024 Audit Results
3. Fraud Cases
5 22/04/2024 1. Tindak Lanjut Hasil Pemeriksaan dan Tingkat Kesehatan Bank (Surat 1. Aviliani
OJK No. SR-21/PB.31/2024 tanggal 12 Februari 2024); 2. Siswandi Pujo S.
2. Tindak Lanjut Perbaikan Hasil Pemeriksaan OJK vide Surat OJK No. 3. Aulia Usmanto
SR-127/PB.311/2023 tanggal 21 Desember 2024.
1. Follow-up on Audit Results and Bank Sound Level (OJK Letter No. SR-
21/PB.31/2024 dated February 12, 2024);
2. Follow-up on Improvement of OJK Audit Results vide OJK Letter No.
SR-127/PB.311/2023 dated December 21, 2024.
6 15/05/2024 Update Perkembangan Implementasi Penerapan APU PPT & PPPSPM 1. Aviliani
2. Siswandi Pujo S.
Update on the Development of the Implementation of AML-CTF & CPF 3. Aulia Usmanto
7 06/05/2024 Monitoring Anggaran 2024 PT Allo Bank Indonesia Tbk 1. Aviliani
2. Siswandi Pujo S.
Monitor the 2024 Budget of PT Allo Bank Indonesia Tbk 3. Aulia Usmanto
374 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 377
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tanggal Rapat Agenda Rapat Peserta Rapat
No Date Meeting Agenda Participants
8 17/07/2024 1. Pelaporan Pokok-Pokok Audit Semester I/2024; 1. Aviliani
2. Monitoring Tindak Lanjut Audit Semester I/2024; 2. Siswandi Pujo S.
3. On going Audit. 3. Aulia Usmanto
1. Report on Audit Principals for Semester I/2024;
2. Monitor the Audit Follow-Up for Semester I/2024;
3. On going Audit.
9 24/07/2024 Pembahasan Penelaahan Laporan Keuangan Tengah Tahun (LKTT) 30 1. Aviliani
Juni 2024 2. Siswandi Pujo S.
3. Aulia Usmanto
Discussion of Mid-Year Financial Report (LKTT) Review June 30, 2024
10 12/08/2024 Pembahasan Unit Anti Fraud 1. Aviliani
2. Siswandi Pujo S.
Anti-Fraud Unit Discussion 3. Aulia Usmanto
11 04/09/2024 1. Pembahasan Proposal Kantor Akuntan Publik (KAP) Amir Abadi Jusuf, 1. Aviliani
Aryanto, Mawar & Rekan. 2. Siswandi Pujo S.
2. Pemberian Rekomendasi Akuntan Publik (AP) dan KAP untuk audit 3. Lista Irna
laporan keuangan PT. Allo Bank Indonesia, Tbk yang berakhir tanggal 31
Desember 2024.
1. Discussion of Proposal of Public Accounting Firm (KAP) Amir Abadi
Jusuf, Aryanto, Mawar & Rekan.
2. Provision of Recommendations for Public Accountants (AP) and KAP
for the audit of the financial statements of PT. Allo Bank Indonesia, Tbk
ending on December 31, 2024.
12 25/09/2024 Pembahasan Penelaahan Laporan Keuangan Triwulan III/2024 1. Aviliani
2. Siswandi Pujo S.
Discussion of Financial Report Review for Quarter III/2024 3. Lista Irna
13 14/10/2024 1. Pembahasan Organisasi Internal Audit 1. Aviliani
2. Pelaporan Audit Q3 2024 2. Siswandi Pujo S.
3. Monitoring Tindak Lanjut Audit 3. Lista Irna
4. Ongoing Audit
1. Discussion of Internal Audit Organization
2. Audit Report for Q3 2024
3. Monitor the Audit Follow-up
4. Ongoing Audit
14 20/11/2024 Monitoring Financial Performance bulan Oktober 2024 1. Aviliani
2. Siswandi Pujo S.
Monitor the Financial Performance for October 2024 3. Lista Irna
15 04/12/2024 1. Pembahasan Hasil Audit User Access Management 1. Aviliani
2. Pembahasan Rencana Audit 2025 2. Siswandi Pujo S.
3. Lista Irna
1. Discussion of User Access Management Audit Results
2. Discussion of 2025 Audit Plan
Peningkatan Kompetensi Komite Audit Competency Development of Audit Committee
Bank secara konsisten melaksanakan program peningkatan The Bank consistently implements competency enhancement
kompetensi bagi Komite Audit guna mengoptimalkan seluruh programs for the Audit Committee to optimize its duties and
tugasnya dan terus mengembangkan kemampuannya sesuai continuously develop its capabilities in line with current business
dengan kondisi dan dinamika bisnis yang terjadi. Informasi conditions and dynamics. Information on the Audit Committee's
mengenai peningkatan kompetensi Komite Audit sepanjang tahun competency improvements throughout 2024 can be found in the
2024 dapat dilihat pada Bab Profil Perusahaan dalam Laporan Company Profile chapter of this Annual Report.
Tahunan ini.
2024 Annual Report & Sustainability Report
375
Page 378
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Laporan Pelaksanaan Tugas Komite Audit Audit Committee Task Implementation Report
Selama tahun 2024, Komite Audit telah melaksanakan tugasnya Throughout 2024, the Audit Committee has performed its duties by
dalam bentuk penyampaian saran/rekomendasi atas sejumlah providing suggestions and recommendations on several activities,
kegiatan, di antaranya: including:
1. Melakukan kajian terhadap akuntabilitas dan transparansi 1. Reviewing the accountability and transparency of financial
laporan keuangan. reports.
2. Melakukan kajian terhadap pengendalian internal, termasuk 2. Reviewing internal controls, including the effectiveness of fraud
efektivitas pencegahan, deteksi, dan investigasi fraud dan tata prevention, detection, investigation, information technology
kelola teknologi informasi, perlindungan data, dan cybersecurity. governance, data protection, and cybersecurity.
3. Penyampaian Rencana kerja Komite Audit selama Tahun 2024. 3. Submitting the Audit Committee’s work plan for 2024.
4. Menyampaikan laporan Evaluasi Komite Audit terhadap 4. Submitting the Audit Committee’s evaluation report on the
Pelaksanaan Pemberian Jasa Audit atas Informasi Keuangan Implementation of the Provision of Audit Services for Annual
Historis Tahunan. Historical Financial Information.
5. Memberikan rekomendasi mengenai Penunjukan Akuntan 5. Providing recommendations regarding the appointment of
Publik dan Kantor Akuntan Publik. public accountants and public accounting firms.
Komite Pemantau Risiko Risk Oversight Committee
Komite Pemantau Risiko merupakan komite yang bertugas untuk The Risk Oversight Committee is a committee tasked with assisting
membantu Dewan Komisaris dalam menjalankan fungsi pengawasan, the Board of Commissioners in carrying out its supervisory function,
khususnya evaluasi terhadap kepatuhan antara kebijakan dan particularly evaluating compliance between risk management
parameter manajemen risiko dengan implementasinya. policies and parameters and their implementation.
Dasar Hukum Legal Basis
Pembentukan Komite Pemantau Risiko berpedoman dan The formation of the Risk Oversight Committee is guided by and
berlandaskan kepada peraturan perundang-undangan yang berlaku based on applicable laws and regulations as well as best practices
serta best practices yang diterapkan di lembaga perbankan di implemented in banking institutions in Indonesia, including:
Indonesia, termasuk:
1. Peraturan Otoritas Jasa Keuangan (“POJK”) No.33/ 1. Financial Services Authority Regulation (“POJK”) No.33/
POJK.04/2014 tanggal 8 Desember 2014 tentang Direksi POJK.04/2014 dated December 8, 2014 concerning the
dan Dewan Komisaris Emiten atau Perusahaan Publik. Board of Directors and Board of Commissioners of Issuers or
Public Companies.
2. POJK No. 17/POJK.03/2023 tanggal 14 September 2023 2. POJK No. 17/POJK.03/2023 dated September 14, 2023
tentang Penerapan Tata Kelola bagi Bank Umum. concerning Implementation of Governance for Conventional
Bank.
3. SEOJK No. 13/SEOJK.03/2017 tanggal 17 Maret 2017 tentang 3. SEOJK No. 13/SEOJK.03/2017 dated March 17, 2017 concerning
Penerapan Tata Kelola bagi Bank Umum. Implementation of Governance for Conventional Bank.
4. POJK No. 18/POJK.03/2016 tanggal 16 Maret 2016 tentang 4. POJK No. 18/POJK.03/2016 dated March 16, 2016 concerning
Penerapan Manajemen Risiko bagi Bank Umum. the Implementation of Risk Management for Conventional Bank.
5. POJK No. 38/POJK.03/2016 tanggal 14 Desember 2016 5. POJK No. 38/POJK.03/2016 dated December 14, 2016
tentang Penerapan Manajemen Risiko dalam Penggunaan concerning the Implementation of Risk Management in the
Teknologi Informasi oleh Bank Umum. Use of Information Technology by Conventional Bank.
6. Anggaran Dasar Bank. 6. Bank Articles of Association.
Tujuan Pembentukan Komite Pemantau Risiko Purpose of Establishing a Risk Oversight Committee
Komite Pemantau Risiko dibentuk sesuai dengan ketentuan OJK The Risk Oversight Committee was established in accordance
dengan tujuan untuk membantu fungsi pengawasan Dewan with the provisions of the Financial Services Authority. The
Komisaris terkait: committee aims to assist the supervisory function of the Board of
Commissioners regarding:
1. Evaluasi kepatuhan antara kebijakan dan parameter manajemen 1. evaluate compliance between risk management policies and
risiko dengan implementasinya. parameters and their implementation.
2. Memberikan rekomendasi guna menjaga kualitas penerapan 2. provide recommendations to maintain the quality of risk
manajemen risiko. management implementation
3. Meningkatkan control environment secara keseluruhan. 3. improve the overall control environment
376 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 379
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Pedoman Kerja: Piagam Komite Pemantau Risiko Charter of the Risk Oversight Committee
Komite Pemantau Risiko telah memiliki pedoman kerja yang The Risk Oversight Committee has work guidelines set out in
ditetapkan dalam Piagam Komite Pemantau Risiko. Piagam tersebut the Risk Oversight Committee Charter. The charter regulates the
mengatur mengenai tugas dan tanggung jawab Komite, wewenang, duties and responsibilities of the Committee, authority, membership
struktur keanggotaan, persyaratan keanggotaan, mekanisme kerja, structure, membership requirements, work mechanisms, ethics,
etika, waktu kerja, dan mekanisme rapat. working hours and meeting mechanisms.
Masa Tugas dan Kompensasi Term of Service and Compensation
1. Masa tugas anggota Komite Pemantau Risiko tidak boleh lebih 1. The term of office of members of the Risk Oversight Committee
lama dari masa jabatan Dewan Komisaris sebagaimana diatur may not be longer than the term of office of the Board of
dalam Anggaran Dasar dan dapat dipilih kembali untuk 1 (satu) Commissioners as regulated in the Articles of Association and
periode berikutnya. may be re-elected for 1 (one) subsequent period.
2. Masa tugas anggota Komite Pemantau Risiko yang berasal dari 2. The term of office of members of the Risk Oversight Committee
Pihak Independen Non Komisaris paling lama 3 (tiga) tahun who come from Independent Non-Commissioner Parties is a
dan dapat diperpanjang 1 (satu) kali selama 2 (dua) tahun masa maximum of 3 (three) years and can be extended 1 (one) time
tugas dengan tidak mengurangi hak Dewan Komisaris untuk for a period of 2 (two) years without reducing the right of the
memberhentikan sewaktu-waktu. Board of Commissioners to dismiss at any time.
3. Apabila anggota Dewan Komisaris yang menjadi Ketua Komite 3. If the member of the Board of Commissioners who is the
Pemantau Risiko berhenti sebelum masa tugasnya sebagai Chair of the Risk Oversight Committee resigns before his term
Komisaris Bank, maka Ketua Komite Pemantau Risiko digantikan of office as Bank Commissioner, then the Chair of the Risk
oleh Komisaris Independen lainnya. Oversight Committee will be replaced by another Independent
Commissioner.
4. Apabila masa tugas sebagai Dewan Komisaris berakhir, 4. If the term of service as a member of the Board of
maka berakhir pula masa tugasnya sebagai Anggota Komite Commissioners ends, the term of duty as a Member of the
Pemantau Risiko. Risk Oversight Committee also ends.
5. Anggota Komite Pemantau Risiko yang berasal dari Pihak 5. Members of the Risk Oversight Committee who come from
Independen Non Komisaris diberi honorarium bulanan yang Independent Non-Commissioner Parties are given a monthly
jumlahnya ditetapkan oleh Dewan Komisaris dengan tetap honorarium whose amount is determined by the Board of
mengacu pada ketentuan perundangan. Commissioners while still referring to the applicable statutory
provisions.
Keanggotaan Komite Pemantau Risiko Membership of Risk Oversight Committee
Ketentuan keanggotaan Komite Pemantau Risiko Bank ditetapkan The provisions for membership of the Bank Risk Oversight
sebagai berikut: Committee are determined as follows:
1. Komite Pemantau Risiko sekurang-kurangnya terdiri dari 3 (tiga) 1. The Risk Oversight Committee consists of at least 3 (three) people
orang yang berasal dari Komisaris Independen Independen. from Independent Commissioners and Independent Parties.
2. Komposisi keanggotaan Komite Pemantau Risiko paling kurang 2. The composition of the Risk Oversight Committee membership
1 (satu) orang Komisaris Independen sebagai Ketua merangkap comprises at least 1 (one) Independent Commissioner as Chair
anggota, 1 (satu) orang Pihak Independen Non Komisaris yang and member, 1 (one) Independent Non-Commissioner who
memiliki keahlian di bidang keuangan, dan 1 (satu) orang Pihak has expertise in the field of finance, and 1 (one) Independent
Independen Non Komisaris yang memiliki keahlian di bidang Non-Commissioner who has expertise in the field of risk
manajemen risiko. management.
3. Anggota Komite Pemantau Risiko yang berasal dari Pihak 3. Members of the Risk Oversight Committee who come from
Independen dinilai memiliki keahlian di bidang keuangan dalam Independent Parties are considered to have expertise in the
hal memenuhi kriteria: financial sector in terms of meeting the following criteria:
a. Memiliki pengetahuan di bidang ekonomi, bidang keuangan a. Have knowledge in the field of economics, finance and/
dan/atau bidang perbankan. or banking.
b. Memiliki pengalaman kerja paling sedikit 5 (lima) tahun b. Have work experience of at least 5 (five) years in the field
di bidang ekonomi, bidang keuangan, dan/atau bidang of economics, finance, and/or banking.
perbankan.
4. Anggota Komite Pemantau Risiko yang berasal dari Pihak 4. Members of the Risk Oversight Committee who are Independent
Independen dinilai memiliki keahlian di bidang manajemen Parties are considered to have expertise in the field of risk
risiko dalam hal memenuhi kriteria: management in terms of meeting the following criteria:
2024 Annual Report & Sustainability Report
377
Page 380
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
a. Wajib memiliki sertifikat manajemen risiko sebagaimana a. Must have a risk management certificate as applicable to
yang berlaku bagi Direksi the Board of Directors
b. Memiliki sertifikat kompetensi yang mendukung b. Have a competency certificate that supports the
pelaksanaan fungsi dan tanggung jawab Komite. implementation of the Committee’s functions and
responsibilities.
5. Anggota Direksi Bank maupun Bank lain dilarang menjadi 5. Members of the Board of Directors of the Bank or other Banks
anggota Komite Pemantau Risiko. are prohibited from becoming members of the Risk Oversight
Committee.
6. Komisaris Independen dan Pihak Independen yang menjadi 6. Independent Commissioners and Independent Parties who
anggota Komite Pemantau Risiko paling sedikit berjumlah 51% are members of the Risk Oversight Committee constitute at
(lima puluh satu persen) dari jumlah anggota Komite Pemantau least 51% (fifty one percent) of the total members of the Risk
Risiko. Oversight Committee.
7. Ketua Komite Pemantau Risiko hanya dapat merangkap 7. The Head of the Risk Oversight Committee can only hold the
jabatan sebagai ketua Komite paling banyak pada 1 (satu) same position as Committee Chair in a maximum of 1 (one)
Komite lainnya. other Committee.
8. Dalam melaksanakan tugas sehari-hari Komite dapat dibantu 8. In carrying out its daily duties, the Committee may be assisted
oleh staf dan atau Sekretaris Komite yang ditunjuk berdasarkan by staff and/or the Committee Secretary appointed based on
keputusan rapat Komite Pemantau Risiko. the decision of the Risk Oversight Committee meeting.
Komposisi Anggota Komite Pemantau Risiko Composition of Risk Oversight Committee
Di tahun 2024, komposisi Komite Pemantau Risiko Bank mengalami In 2024, the composition of Risk Oversight Committee of the Bank
perubahan dengan rincian sebagai berikut: saw changes as detailed as follows:
Periode
Nama Jabatan Dasar Pengangkatan Masa Jabatan
Name Position Basis of Appointment Term of Office Jabatan
Period
Rosmaya Ketua Surat Keputusan No. SK: 073/DIRAB/24 tanggal 2 September 2024 Mengikuti masa jabatan sebagai
Chairperson tentang Penetapan Struktur Keanggotaan Komite Pemantau Risiko Dewan Komisaris
Decree No. SK: 073/DIRAB/24 dated September 2, 2024 Following the term of office of the
concerning the Determination of the Membership Structure of the Board of Commissioners
Risk Oversight Committee
Siswandi Pujo Anggota Surat Keputusan No. SK: 073/DIRAB/24 tanggal 2 September 2024 2 tahun/years
Sasongko Member tentang Penetapan Struktur Keanggotaan Komite Pemantau Risiko
Decree No. SK: 073/DIRAB/24 dated September 2, 2024
concerning the Determination of the Membership Structure of the
Risk Oversight Committee
Lista Irna Anggota Surat Keputusan No. SK: 073/DIRAB/24 tanggal 2 September 2024 2 tahun/years
Member tentang Penetapan Struktur Keanggotaan Komite Pemantau Risiko
Decree No. SK: 073/DIRAB/24 dated September 2, 2024
concerning the Determination of the Membership Structure of the
Risk Oversight Committee
Rosmaya
Ketua Komite Pemantau Risiko/Komisaris Independen
Chairperson of Risk Oversight Committee/Independent Commissioner
Profil Rosmaya selaku Ketua Komite Pemantau Risiko/Komisaris Independen dapat dilihat pada bagian Profil Dewan Komisaris dalam Bab
Profil Perusahaan Laporan Tahunan ini.
Rosmaya’s profile as Chair of the Risk Oversight Committee/Independent Commissioner can be seen in the Board of Commissioners Profile
section in the Company Profile Chapter of this Annual Report.
378 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 381
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Siswandi Pujo Sasongko
Anggota Komite Pemantau Risiko
Member of Risk Oversight Committee
Profil Siswandi Pujo Sasongko selaku anggota Komite Pemantau Risiko dapat dilihat pada bagian Profil Anggota Komite Audit dalam Bab
Tata Kelola Perusahaan Laporan Tahunan ini.
Siswandi Pujo Sasongko’s profile as a member of the Risk Oversight Committee can be seen in the Profile of Audit Committee Members
section in the Corporate Governance Chapter of this Annual Report.
Lista Irna
Anggota Komite Pemantau Risiko
Member of Risk Oversight Committee
Profil Lista Irna selaku anggota Komite Pemantau Risiko dapat dilihat pada bagian Profil Anggota Komite Audit dalam Bab Tata Kelola
Perusahaan Laporan Tahunan ini.
Lista Irna's profile as a member of the Risk Oversight Committee can be seen in the Profile of Audit Committee Member section in the
Corporate Governance Chapter of this Annual Report.
Tugas dan Tanggung Jawab Komite Pemantau Risiko Duties and Responsibilities of Risk Oversight Committee
Dalam menjalankan fungsinya, Komite harus bertindak secara In carrying out its functions, the Committee must act independently
independen dalam melaksanakan tugas dan tanggung jawab in carrying out its duties and responsibilities, including the following:
antara lain sebagai berikut:
1. Melakukan pemantauan dan evaluasi atas: 1. Monitor and evaluate:
a. Kesesuaian antara kebijakan manajemen risiko dan a. Conformity between risk management policies and the
kebijakan manajemen risiko terintegrasi Bank dengan Bank’s integrated risk management policies with the
pelaksanaan kebijakan tersebut. implementation of these policies.
b. Pelaksanaan rencana kerja dan tugas Komite Manajemen b. Implementation of work plans and duties of the Risk
Risiko, Komite Manajemen Risiko Terintegrasi, Satuan Kerja Management Committee, Integrated Risk Management
Manajemen Risiko, serta Satuan Kerja Manajemen Risiko Committee, Risk Management Work Unit, and the Bank’s
Terintegrasi Bank. Integrated Risk Management Work Unit.
c. Kecukupan proses identifikasi, pengukuran, pemantauan, c. Adequacy of identification, measurement, monitoring,
pengendalian dan sistem informasi manajemen risiko. control processes and risk management information
systems.
d. Kepatuhan Bank terhadap Anggaran Dasar, peraturan d. Bank compliance with the Articles of Association,
Otoritas Pengawas Bank dan Pasar Modal, serta peraturan regulations of the Bank and Capital Market Supervisory
perundangan lainnya yang terkait dengan manajemen Authority, as well as other laws and regulations related to
risiko. risk management.
2. Melakukan pemantauan dan penelaahan atas: 2. Monitor and review:
a. Laporan Tingkat Kesehatan Bank berbasis risiko. a. Risk-based Bank Soundness Level Report.
b. Laporan lainnya terkait dengan pengelolaan 10 (sepuluh) b. Other reports related to the management of 10 (ten) types
jenis risiko yaitu Risiko Kredit, Risiko Pasar, Risiko of risk, namely Credit Risk, Market Risk, Operational Risk,
Operasional, Risiko Likuiditas, Risiko Hukum, Risiko Liquidity Risk, Legal Risk, Compliance Risk, Reputation
Kepatuhan, Risiko Reputasi, Risiko Stratejik, Risiko Transaksi Risk, Strategic Risk, Intra Group Transaction Risk, and
Intra Group, dan Risiko Asuransi. Insurance Risk.
c. Kebijakan umum perkreditan serta kewajiban lainnya yang c. General credit policies and other obligations required by the
diwajibkan Regulator untuk disampaikan kepada Dewan Regulator to be submitted to the Board of Commissioners
Komisaris oleh Direksi. by the Board of Directors.
2024 Annual Report & Sustainability Report
379
Page 382
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
3. Memberikan rekomendasi kepada Dewan Komisaris atas: 3. Provide recommendation to the Board of Commissioners
regarding:
a. Hal-hal yang dapat mendukung peningkatan efektivitas a. Matters that can support the improvement in the effectiveness
pelaksanaan manajemen risiko di Bank. of risk management implementation in the Bank.
b. Kesesuaian antara kebijakan manajemen risiko Bank b. Conformity between the Bank’s risk management
dan kebijakan manajemen risiko terintegrasi dengan policies and integrated risk management policies with
pelaksanaan kebijakan tersebut the implementation of these policies
c. untuk memastikan bahwa Bank telah mengelola risiko- c. Ensure that the Bank has managed risks adequately.
risiko secara memadai.
d. Pelaksanaan rencana kerja dan tugas Komite Manajemen d. Implementation of work plans and duties of the Risk
Risiko, Komite Manajemen Risiko Terintegrasi, Satuan Kerja Management Committee, Integrated Risk Management
Manajemen Risiko, serta Satuan Kerja Manajemen Risiko Committee, Risk Management Work Unit, and the Bank’s
Terintegrasi Bank. Integrated Risk Management Work Unit.
4. Melakukan pertemuan secara berkala dengan unit-unit kerja 4. Hold regular meetings with related work units to discuss matters
terkait guna membahas hal-hal yang berada dalam lingkup within the scope of their supervision.
pengawasannya.
5. Melaporkan hasil pemantauan dan penelaahan secara berkala, 5. Report the results of monitoring and reviews periodically, as
serta memberi masukan atas hal-hal yang perlu menjadi well as provide input on matters that need the attention of the
perhatian Dewan Komisaris. Board of Commissioners.
6. Menyusun Piagam Kerja Komite Pemantau Risiko dan melakukan 6. Develop a Risk Oversight Committee Work Charter and conduct
reviu sesuai kebutuhan paling kurang 2 (dua) tahun sekali. reviews as needed at least once every 2 (two) years.
7. Ketua Komite Pemantau Risiko bertugas dan bertanggung jawab 7. The Head of the Risk Oversight Committee is tasked and
untuk melakukan koordinasi atas seluruh kegiatan Komite untuk responsible for coordinating all Committee activities to fulfil
memenuhi tujuan Komite sesuai dengan pembentukannya. the Committee’s objectives in accordance with its formation.
8. Ketua dan anggota Komite Pemantau Risiko bertanggung 8. The head and members of the Risk Oversight Committee are
jawab untuk hal-hal sebagai berikut: responsible for the following matters:
a. Menentukan rencana kerja tahunan. a. Determine the annual work plan.
b. Menentukan jadwal rapat tahunan. b. Determine the annual meeting schedule.
c. Membuat laporan berkala mengenai kegiatan Komite serta c. Make periodic reports regarding Committee activities and
hal-hal yang dirasakan perlu untuk menjadi perhatian matters deemed necessary for the attention of the Board
Dewan Komisaris. of Commissioners.
d. Menunjuk anggota Komite Pemantau Risiko non Dewan d. Appoint non-Board of Commissioners Risk Oversight
Komisaris atau menunjuk pihak ketiga lainnya sebagai Committee members or appoint other third parties as
sekretaris Komite untuk mencatat Rapat Komite dan Committee secretaries to record Committee Meetings and
membuat Risalah Rapat Komite. prepare Minutes of Committee Meetings.
e. Menghadiri rapat. e. Attend meetings.
f. Berperan aktif dan memberikan kontribusinya dalam setiap f. Play an active role and contribute to every Committee
kegiatan Rapat Komite. Meeting activity.
Wewenang Komite Pemantau Risiko Risk Oversight Committee Authority
Dalam melaksanakan tugasnya, Komite memiliki wewenang sebagai In carrying out its duties, the Committee has the following
berikut: authorities:
1. Melakukan komunikasi dengan Kepala Unit Kerja dan pihak- 1. Communicate with the Head of Work Unit and other parties
pihak lain di Bank untuk memperoleh informasi, klarifikasi serta in the Bank to obtain information, clarification and request
meminta dokumen dan laporan yang diperlukan. necessary documents and reports.
2. Mengakses catatan atau informasi tentang pegawai, dana, aset 2. Access records or information about employees, funds, assets
serta sumber daya perusahaan lainnya yang berkaitan dengan and other company resources related to the implementation
pelaksanaan tugasnya. of its duties.
3. Memperoleh Laporan Profil Risiko, Laporan Tingkat Kesehatan 3. Obtain Risk Profile Reports, Bank Health Level Reports, and
Bank, dan Laporan lainnya terkait penerapan manajemen other reports related to the implementation of risk management
risiko di Bank. in the Bank.
4. Mendapatkan masukan dan atau saran dari pihak luar Bank 4. Obtain input and/or suggestions from parties outside the Bank
yang berkaitan dengan tugasnya. related to its duties.
5. Melakukan kewenangan lain yang diberikan oleh Dewan 5. Carry out other authorities granted by the Board of
Komisaris. Commissioners.
380 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 383
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Independensi Anggota Komite Pemantau Risiko Risk Oversight Committee Independence
Anggota Komite Pemantau Risiko berasal dari pihak independen All members of the Committee come from independent parties
dan tidak memiliki hubungan keuangan, kepengurusan, kepemilikan and have no financial, managerial, ownership, and/or familial
dan/atau keluarga dengan anggota Dewan Komisaris, Direksi, dan relationships with members of the Board of Commissioners, Board
Pemegang Saham Pengendali atau hubungan dengan Bank yang of Directors, Controlling Shareholders or relationships with the Bank
dapat mempengaruhi kemampuannya untuk bertindak independen. that could affect their ability to act independently. All members of the
Seluruh anggota Komite Pemantau Risiko telah menandatangani Risk Oversight Committee have signed an independent statement
surat pernyataan independen yang didokumentasikan oleh Bank. letter which has been documented by the Bank.
Aspek Independensi Siswandi Pujo
Rosmaya Lista Irna
Independence Aspect Sasongko
Tidak memiliki hubungan afiliasi dengan Pemegang Saham, Dewan
Komisaris, serta Direksi.
Has no affiliation with the Shareholders, the Board of Commissioners, ✓ ✓ ✓
and the Board of Directors.
Tidak memiliki hubungan usaha secara langsung dan tidak langsung
dengan perusahaan.
Does not own business relationship, either direct and indirect, with the ✓ ✓ ✓
Company
Tidak memiliki hubungan kepengurusan dengan perusahaan.
Has no management relationship with the Company. ✓ ✓ ✓
Tidak memiliki saham langsung maupun tidak langsung di perusahaan.
Does not own direct or indirect shares in the Company. ✓ ✓ ✓
✓ = ada | has relationship
× = tidak ada | has no relationship
Rapat Komite Pemantau Risiko Risk Oversight Committee Meeting
Berdasarkan Piagam Komite Pemantau Risiko, komite dapat Based on the Risk Oversight Committee Charter, the committee may
melaksanakan rapat sekurang-kurangnya sebanyak 1 (satu) kali hold meetings at least 1 (one) time in 1 (three) month. Risk Oversight
dalam 1 (tiga) bulan. Rapat Komite Pemantau Risiko dapat dihadiri Committee meetings may be attended by members of the Board of
oleh anggota Dewan Komisaris dan anggota Direksi apabila Commissioners and members of the Board of Directors if necessary.
diperlukan. Adapun frekuensi dan rincian agenda rapat Komite The frequency and details of the Risk Oversight Committee meeting
Pemantau Risiko sepanjang tahun 2024 adalah sebagai berikut: agenda throughout 2024 are as follows:
Nama Jabatan Jumlah Kehadiran Rapat
Name Position Total Meeting Attendance
Rosmaya Ketua 12/12 (100%)
Chairperson
Siswandi Pujo Sasongko Anggota 4/4 (100%)
Member
Lista Irna Anggota 12/12 (100%)
Member
Tanggal Rapat Agenda Rapat Peserta Rapat
No Date of Meeting Meeting Agenda Meeting Participant
1 22/01/2024 Risk Based Bank Rating Assessment Q4 2023 1. Rosmaya
2. Lista Irna
3. Aulia Usmanto
2024 Annual Report & Sustainability Report
381
Page 384
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Tanggal Rapat Agenda Rapat Peserta Rapat
No Date of Meeting Meeting Agenda Meeting Participant
2 26/02/2024 Penyampaian Konsep, Program dan Strategi Divisi Human Capital Strategy & Services 1. Rosmaya
(HCSS) tahun 2024 2. Lista Irna
Presentation of Concepts, Programs and Strategies of the Human Capital Strategy & 3. Aulia Usmanto
Services (HCSS) Division in 2024
3 20/03/2024 Pembahasan Perlindungan Data Pribadi Nasabah 1. Rosmaya
Discussion of Customer Personal Data Protection 2. Lista Irna
3. Aulia Usmanto
4 29/04/2024 Risk Profile Assessment Q1 2024 1. Rosmaya
2. Lista Irna
3. Aulia Usmanto
5 27/05/2024 Update Collection PT Allo Bank Indonesia Tbk 1. Rosmaya
2. Lista Irna
3. Aulia Usmanto
6 10/06/2024 Update Proses Underwriting Kredit Digital 1. Rosmaya
Update of Digital Credit Underwriting Process 2. Lista Irna
3. Aulia Usmanto
7 22/07/2024 Pembahasan Tingkat Kesehatan Bank Semester I-2024 1. Rosmaya
Discussion of Bank Soundness Level Semester I-2024 2. Lista Irna
3. Aulia Usmanto
8 14/08/2024 Pembahasan Status Implementasi Pelindungan Data Pribadi 1. Rosmaya
Discussion of the Status of Implementation of Personal Data Protection 2. Lista Irna
3. Aulia Usmanto
9 23/09/2024 Penerapan Strategi Anti Fraud PT Allo Bank Indonesia Tbk 1. Rosmaya
Implementation of Anti-Fraud Strategy of PT Allo Bank Indonesia Tbk 2. Lista Irna
3. Siswandi Pujo S.
10 21/10/2024 Pembahasan Risk Profile Q3 2024 Allo Bank 1. Rosmaya
Discussion of Risk Profile in Q3 2024 Allo Bank 2. Lista Irna
3. Siswandi Pujo S.
11 20/11/2024 Update Kinerja Divisi Collection 1. Rosmaya
Performance Update of Collection Division 2. Lista Irna
3. Siswandi Pujo S.
12 04/12/2024 Risk Appetite Statements (RAS) 1. Rosmaya
2. Lista Irna
3. Siswandi Pujo S.
Peningkatan Kompetensi Komite Pemantau Risiko Competency Development of Risk Oversight Committee
Allo Bank senantiasa melaksanakan program peningkatan Allo Bank always implements competency improvement programs
kompetensi bagi Komite Pemantau Risiko guna mengoptimalkan for the Risk Oversight Committee in order to optimize all its duties
seluruh tugasnya dan terus mengembangkan kemampuannya and continue to develop its capabilities in accordance with the
sesuai dengan kondisi dan dinamika bisnis yang terjadi. Informasi current business conditions and dynamics. Information regarding
mengenai peningkatan kompetensi Komite Pemantau Risiko the improvement of the Risk Oversight Committee's competency
sepanjang tahun 2024 dapat dilihat pada Bab Profil Perusahaan throughout 2024 can be seen in the Company Profile Chapter in
dalam Laporan Tahunan ini. this Annual Report.
Laporan Pelaksanaan Tugas Pemantau Risiko Implementation Report of Risk Oversight Committee Duties
Di tahun 2024, Komite Pemantau Risiko telah melaksanakan In 2024, the Risk Oversight Committee implemented its duties
tugasnya melalui sejumlah kegiatan, di antaranya: through several activities, as follows:
1. Memantau dan melakukan evaluasi terhadap delapan tipe risiko 1. Monitor and evaluate the eight types of Main Bank risks, not
Utama Bank, bukan hanya Risiko Kredit, Risiko Operasional only Credit Risk, Operational Risk (especially cybersecurity)
(khususnya cybersecurity) dan Risiko Reputasi yang dilihat and Reputation Risk which are considered material considering
material mengingat positioning Bank sebagai bank umum the Bank's positioning as a digital-based conventional bank,
berbasis digital, namun juta risiko Risiko Likuiditas, Risiko Pasar, but also Liquidity Risk, Market Risk, Legal Risk, Compliance
Risiko Hukum, Risiko Kepatuhan, Risiko Stratejik. Risk, Strategic Risk.
382 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 385
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
2. Memantau dan mengevaluasi kebijakan Manajemen Risiko 2. Monitor and evaluate Risk Management policies and other
dan kebijakan-kebijakan lain yang terkait dengan risiko Bank policies related to Bank risks and evaluate the suitability between
serta evaluasi kesesuaian antara kebijakan manajemen risiko risk management policies and their implementation.
dengan pelaksanaannya.
3. Memantau Risk Appetite, termasuk risk appetite statement, 3. Monitor Risk Appetite, including risk appetite statements,
limit toleransi dan limit risiko sesuai dengan matrik risiko yang tolerance limits and risk limits in accordance with the risk matrix
telah ditetapkan untuk delapan jenis risiko dan ketahanan that has been set for eight types of risk and capital resilience,
permodalan, antara lain Internal Capital Adequacy Assessment including the Internal Capital Adequacy Assessment Process
Process dan pelaksanaan stress test. and the implementation of stress tests.
4. Memantau permodalan Bank dengan mengaitkan tingkat 4. Monitor the Bank's capital by linking the level of risk with capital
risiko dengan kecukupan modal untuk mengantisipasi potensi adequacy to anticipate potential losses that may arise from the
kerugian yang dapat timbul dari aktivitas usaha Bank. Bank's business activities.
5. Melakukan evaluasi dan memberikan rekomendasi kepada 5. Evaluate and provide recommendations to the Board of
Dewan Komisaris terkait pelaksanaan tugas Komite Manajemen Commissioners regarding the implementation of the duties
Risiko dan Satuan Kerja Manajemen Risiko; serta memberikan of the Risk Management Committee and the Risk Management
rekomendasi terkait laporan-laporan kepada OJK seperti Work Unit; and provide recommendations related to reports
Laporan Profil Risiko, Laporan Kesehatan Bank dan laporan- to OJK such as Risk Profile Reports, Bank Health Reports
laporan lainnya dalam rangka memastikan kesesuaian and other reports in order to ensure the appropriateness of
penyampaian informasi kepada OJK atas kondisi risiko yang information delivery to OJK on the risk conditions faced by
dihadapi Bank. the Bank.
6. Memantau Tingkat Kesehatan Bank berdasarkan penilaian 6. Monitor Bank Soundness Level based on independent
mandiri. assessment.
Komite Remunerasi dan Nominasi Remuneration and Nomination Committee
Komite Remunerasi dan Nominasi adalah komite pendukung Remuneration and Nomination Committee is tasked with
Dewan Komisaris yang bertugas untuk melakukan pengawasan dan assisting the Board of Commissioners in carrying out supervision
memberikan pendapat yang independen kepada Dewan Komisaris and providing independent advices to the Board, especially on
terkait kebijakan remunerasi dan nominasi. remuneration and nomination committee.
Dasar Hukum Legal Basis
Pembentukan Komite Remunerasi dan Nominasi berpedoman The establishment of the Remuneration and Nomination Committee
dan berlandaskan kepada peraturan perundang-undangan yang is guided by and based on applicable laws and regulations and
berlaku serta best practices yang diterapkan di lembaga perbankan best practices implemented in banking institutions in Indonesia,
di Indonesia, termasuk: including:
1. Peraturan Otoritas Jasa Keuangan (“POJK”) No. 33/ 1. Financial S ervices Authority Regulation (“POJK”) No. 33/
POJK.04/2014 tanggal 8 Desember 2014 tentang Direksi POJK.04/2014 dated December 8, 2014 concerning the
dan Dewan Komisaris Emiten atau Perusahaan Publik. Directors and Board of Commissioners of Issuers or Public
Companies.
2. POJK No. 17/POJK.03/2023 tanggal 14 September 2023 2. POJK No. 17/POJK.03/2023 dated September 14, 2023
tentang Penerapan Tata Kelola bagi Bank Umum. concerning the Implementation of Governance for Conventional
Bank.
3. SEOJK No. 13/SEOJK.03/2017 tanggal 17 Maret 2017 tentang 3. SEOJK No. 13/SEOJK.03/2017 dated March 17, 2017 concerning
Penerapan Tata Kelola bagi Bank Umum. the Implementation of Governance for Conventional Bank.
4. POJK No. 34/POJK.04/2014 tanggal 8 Desember 2014 tentang 4. POJK No. 34/POJK.04/2014 dated December 8, 2014
Komite Nominasi Dan Remunerasi Emiten Atau Perusahaan concerning the Nomination and Remuneration Committees
Publik. for Issuers or Public Companies.
5. Anggaran Dasar Bank. 5. Bank Articles of Association.
Persyaratan Keanggotaan Komite Remunerasi dan Membership Requirement for Remuneration and
Nominasi Nomination Committee
1. Persyaratan umum: 1. General requirements:
a. Memiliki integritas, akhlak dan moral yang baik. a. Have integrity, good morals and morals.
b. Tidak memiliki kepentingan/keterkaitan pribadi yang dapat b. Have no personal interests/relationships that could give
menimbulkan conflict of interest terhadap Bank. rise to a conflict of interest towards the Bank.
2024 Annual Report & Sustainability Report
383
Page 386
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
2. Persyaratan Kompetensi: 2. Competency Requirements:
a. Memiliki keahlian, kemampuan, pengetahuan dan a. Have adequate skills, abilities, knowledge and experience
pengalaman yang memadai yang berhubungan dengan related to their duties and responsibilities.
tugas dan tanggung jawabnya.
b. Memiliki pengetahuan yang memadai tentang Anggaran b. Have adequate knowledge of the Bank’s Articles of
Dasar Bank, peraturan perundangan di bidang perbankan, Association, laws and regulations in the banking sector,
Pasar Modal dan peraturan perundangan terkait sumber Capital Markets and laws and regulations related to human
daya manusia. resources.
c. Bersedia meningkatkan kompetensi secara terus-menerus c. Be willing to continuously improve competence through
melalui pendidikan dan pelatihan. education and training.
3. Kerahasiaan: 3. Confidentiality:
a. Anggota Komite Remunerasi dan Nominasi wajib menjaga a. Members of the Remuneration and Nomination Committee
kerahasiaan atas seluruh dokumen dan/atau informasi Bank are obliged to maintain the confidentiality of all Bank
serta segala sesuatu yang berhubungan dengan Bank documents and/or information as well as everything related
dan pelaksanaan tugas Komite. Adapun pengklasifikasian to the Bank and the implementation of the Committee’s
kerahasiaan dokumen dan/atau informasi Bank tersebut duties. The classification of confidentiality of Bank
mengacu pada ketentuan internal dan peraturan documents and/or information refers to internal provisions
perundang- undangan yang berlaku. and applicable laws and regulations.
b. Kewajiban untuk merahasiakan berlaku pula apabila masa b. The obligation to keep various matters confidential
jabatan sebagai anggota Komite Remunerasi dan Nominasi also applies if the term of office as a member of the
maupun masa jabatan sebagai anggota Dewan Komisaris Remuneration and Nomination Committee or the term
di Bank berakhir. of office as a member of the Board of Commissioners at
the Bank ends.
Pedoman Kerja: Piagam Komite Remunerasi dan Work Guidelines: Remuneration and Nomination
Nominasi Committee Charter
Komite Remunerasi dan Nominasi telah memiliki pedoman kerja The Remuneration and Nomination Committee has work guidelines
yang ditetapkan dalam Piagam Komite Remunerasi dan Nominasi. stipulated in the Remuneration and Nomination Committee
Piagam tersebut mengatur mengenai tugas dan tanggung jawab Charter. The charter regulates the duties and responsibilities of
Komite, wewenang, struktur keanggotaan, persyaratan keanggotaan, the Committee, authority, membership structure, membership
mekanisme kerja, etika, waktu kerja, dan mekanisme rapat. requirements, work mechanisms, ethics, working hours and meeting
mechanisms.
Masa Tugas Komite Remunerasi dan Nominasi Term of Service of the Remuneration and Nomination
Committee
1. Masa tugas anggota Komite Remunerasi dan Nominasi 1. The term of office of members of the Remuneration and
tidak boleh lebih lama dari masa jabatan Dewan Komisaris Nomination Committee may not be longer than the term of
sebagaimana diatur dalam Anggaran Dasar. office of the Board of Commissioners as regulated in the Articles
of Association.
2. Penggantian anggota Komite Remunerasi dan Nominasi yang 2. Replacement of members of the Remuneration and
bukan berasal dari Dewan Komisaris dilakukan paling lambat Nomination Committee who are not members of the Board
60 (enam puluh) hari sejak anggota Komite Remunerasi dan of Commissioners shall be carried out no later than 60 (sixty)
Nominasi dimaksud tidak dapat lagi melaksanakan fungsinya. days after the members of the Remuneration and Nomination
Committee are no longer able to carry out their functions.
3. Apabila anggota Dewan Komisaris yang menjadi Ketua Komite 3. If the member of the Board of Commissioners who is the Chair
Remunerasi dan Nominasi berhenti sebelum masa tugasnya of the Remuneration & Nomination Committee resigns before
sebagai Komisaris Bank, maka Ketua Komite Remunerasi dan his term of office as Bank Commissioner, then the Head of the
Nominasi digantikan oleh Komisaris Independen lainnya. Remuneration & Nomination Committee will be replaced by
another Independent Commissioner.
4. Apabila masa tugas sebagai Dewan Komisaris berakhir, 4. If the term of service as a member of the Board of Commissioners
maka berakhir pula masa tugasnya sebagai Anggota Komite ends, the term of duty as a member of the Remuneration and
Remunerasi dan Nominasi. Nomination Committee also ends.
384 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 387
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Komposisi dan Struktur Keanggotaan Komite Nominasi Composition and Membership Structure of Remuneration
dan Remunerasi and Nomination Committee
Ketentuan keanggotaan Komite Remunerasi dan Nominasi Bank The provisions for membership of the Bank’s Remuneration and
ditetapkan sebagai berikut: Nomination Committee are determined as follows:
1. Komposisi keanggotaan Komite Remunerasi dan Nominasi 1. The membership composition of the Remuneration and
wajib beranggotakan paling sedikit: Nomination Committee must consist of at least:
a. 1 (satu) orang Komisaris Independen sebagai Ketua a. 1 (one) Independent Commissioner as Chairperson and
merangkap anggota; member;
b. 1 (satu) orang Komisaris Non-Independen; b. 1 (one) Non-Independent Commissioner;
c. 1 (satu) orang Pejabat Eksekutif yang membawahi fungsi c. 1 (one) Executive Officer in charge of Human Resources
Sumber Daya Manusia. functions.
2. Anggota Direksi Bank maupun Bank lain dilarang menjadi 2. Members of the Board of Directors of the Bank or other Banks
anggota Komite Remunerasi dan Nominasi. are prohibited from being members of the Remuneration and
Nomination Committee.
3. Dalam hal Anggota Komite Remunerasi dan Nominasi 3. In the event that the members of the Remuneration and
ditetapkan lebih dari 3 (tiga) orang, maka Komisaris Independen Nomination Committee are determined to be more than 3
paling sedikit berjumlah 2 (dua) orang. (three) people, the number of Independent Commissioners
shall be at least 2 (two) people.
4. Ketua Komite Remunerasi dan Nominasi hanya dapat 4. The Head of the Remuneration and Nomination Committee can
merangkap jabatan sebagai ketua Komite paling banyak pada only hold the same position as Committee Chair in a maximum
1 (satu) Komite lainnya. of 1 (one) other Committee.
Di tahun 2024, komposisi Komite Remunerasi dan Nominasi tidak In 2024, the composition of Remuneration and Nomination
mengalami perubahan dengan rincian sebagai berikut: Committee did not experience any change, with the following
details:
Nama Jabatan Dasar Pengangkatan Masa Jabatan
Name Position Basis of Appointment Term of Office
Aviliani Ketua Surat Keputusan No. SK: 090/DIRAB/23 tanggal 1 November 2023 Mengikuti masa jabatan sebagai
Chairperson tentang Komite Remunerasi dan Nominasi Dewan Komisaris
Decree No. SK: 090/DIRAB/23 dated November 1, 2023 Following the term of office as
concerning Remuneration and Nomination Committee the Board of Commissioners.
Ali Gunawan Anggota Surat Keputusan No. SK: 090/DIRAB/23 tanggal 1 November 2023 Mengikuti masa jabatan sebagai
Member tentang Komite Remunerasi dan Nominasi Dewan Komisaris
Decree No. SK: 090/DIRAB/23 dated November 1, 2023 Following the term of office as
concerning Remuneration and Nomination Committee the Board of Commissioners.
Netty Delima Anggota Surat Keputusan No. 090/DIRAB/23 tanggal 1 November 2023
Simanjuntak Member tentang Komite Remunerasi dan Nominasi
Decree No. SK: 090/DIRAB/23 dated November 1, 2023
concerning Remuneration and Nomination Committee
Aviliani
Ketua Komite Audit/Komisaris Utama Independen
Head of Audit Committee/Independent President Commissioner
Profil Aviliani selaku Ketua Komite Audit/Komisaris Utama Independen dapat dilihat pada bagian Profil Dewan Komisaris dalam Bab Profil
Perusahaan Laporan Tahunan ini.
Aviliani’s profile as Head of the Remuneration and Nomination Committee/Independent President Commissioner can be seen in the Board
of Commissioners Profile section in the Company Profile Chapter of this Annual Report.
2024 Annual Report & Sustainability Report
385
Page 388
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Ali Gunawan
Anggota Komite Remunerasi dan Nominasi/Komisaris
Member of Remuneration and Nomination Committee/Commissioner
Profil Ali Gunawan selaku anggota Komite Remunerasi dan Nominasi/Komisaris dapat dilihat pada bagian Profil Dewan Komisaris dalam Bab
Profil Perusahaan Laporan Tahunan ini.
Ali Gunawan’s profile as a member of the Remuneration and Nomination Committee/Commissioner can be seen in the Board of
Commissioners Profile section in the Company Profile Chapter of this Annual Report.
Netty Delima
Simanjuntak
Anggota Komite Kewarganegaraan Indonesia
Citizenship Indonesian
Remunerasi dan Nominasi
Member of Remuneration and Usia 48 tahun
Age 48 years old
Nomination Committee
Kelahiran Jakarta, 24 April 1976
Place of Birth Jakarta, April 24, 1976
Domisili Rawamangun, Jakarta Timur
Domicile Rawamangun, East Jakarta
Riwayat Pendidikan • S1 Psikologi/Bachelor of Psychology
Educational Background • S2 Profesi Psikolog/Master’s Degree of Psychologist
Riwayat Pekerjaan • Experd Consultant, 2001 - 2006
Employment History • Hutchison CP Telecommunication, 2006 - 2008
• Adira Dinamika Multi Finance, 2008 - 2012
• Dinamika Talenta Consultant, 2012 - 2014
• Bank CTBC Indonesia, 2014 - 2017
• Bank Mega, 2017 - 2023
Pendidikan dan/atau • Psychologist Practitioner Certification, 2001
Sertifikasi yang Berlaku • Coaching Practitioner Certification, 2020
Applicable Education • Sertifikasi Manajemen Risiko Jenjang 5, 2024/Risk
and/or Professional Management Certification Level 5, 2024
Certifications
Tugas dan Tanggung Jawab Komite Remunerasi dan Duties and Responsibilities of Remuneration and
Nominasi Nomination Committee
Dalam menjalankan fungsinya, Komite harus bertindak secara In carrying out its functions, the Committee must act independently
independen dalam melaksanakan tugas dan tanggung jawab in carrying out its duties and responsibilities, including the following:
antara lain sebagai berikut:
1. Terkait Kebijakan Remunerasi: 1. Regarding Remuneration Policy:
a. Memberikan rekomendasi kepada Dewan Komisaris a. Provide recommendations to the Board of Commissioners
mengenai: regarding:
• Struktur remunerasi; • Remuneration structure;
• Kebijakan atas remunerasi; dan • Policies on remuneration; And
• Besaran atas remunerasi bagi Anggota Direksi dan/ • Amount of remuneration for Members of the Board of
atau Anggota Dewan Komisaris. Directors and/or Members of the Board of Commissioners.
b. Struktur, kebijakan, dan besaran remunerasi sebagaimana b. The structure, policies and amount of remuneration as
dimaksud di atas wajib dievaluasi oleh Komite Remunerasi referred to above must be evaluated by the Remuneration
dan Nominasi paling kurang 1 (satu) kali dalam 1 (satu) and Nomination Committee at least 1 (one) time in 1 (one)
tahun. year.
386 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 389
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
c. Struktur remunerasi sebagaimana dimaksud di atas dapat c. The remuneration structure as referred to above may
berupa gaji, honorarium, insentif, dan/atau tunjangan yang include salary, honorarium, incentives and/or allowances
bersifat tetap dan/atau variable. which are fixed and/or variable.
d. Membantu Dewan Komisaris melakukan penilaian kinerja d. Assist the Board of Commissioners in conducting
dengan kesesuaian remunerasi yang diterima masing- performance assessments according to the remuneration
masing anggota Direksi dan/atau anggota Dewan Komisaris. received by each member of the Board of Directors and/
or members of the Board of Commissioners.
e. Melakukan evaluasi terhadap kebijakan remunerasi e. Evaluate remuneration policies based on performance, risk,
yang didasarkan atas kinerja, risiko, kewajaran dengan fairness with peer groups, targets and long-term strategies
peer group, sasaran, dan strategi jangka panjang Bank, of the Bank, fulfilment of reserves as regulated in statutory
pemenuhan cadangan sebagaimana diatur dalam regulations and the Bank’s potential income in the future.
peraturan perundang- undangan dan potensi pendapatan
Bank di masa yang akan datang.
f. Menyampaikan hasil evaluasi dan rekomendasi kepada f.Submit evaluation results and recommendations to the
Dewan Komisaris mengenai: Board of Commissioners regarding:
• Kebijakan remunerasi bagi Direksi dan Dewan • Remuneration policy for Directors and Board of
Komisaris untuk disampaikan kepada Rapat Umum Commissioners to be submitted to the General Meeting
Pemegang Saham; dan of Shareholders; And
• Kebijakan remunerasi bagi pegawai secara keseluruhan • The remuneration policy for employees as a whole is
untuk disampaikan kepada Direksi. to be submitted to the Board of Directors.
g. Memastikan bahwa kebijakan remunerasi telah sesuai g. Ensure that the remuneration policy is in accordance with
dengan ketentuan yang berlaku. applicable regulations.
h. Melakukan evaluasi secara berkala terhadap penerapan h. Conduct regular evaluations of the implementation of
kebijakan remunerasi di Bank remuneration policies at the Bank
2. Terkait Kebijakan Nominasi: 2. Regarding Nomination Policy:
a. Menyusun dan memberikan rekomendasi kepada Dewan a. Prepare and provide recommendations to the Board of
Komisaris mengenai: Commissioners regarding:
• Komposisi jabatan anggota Direksi dan/atau anggota • Composition of positions of members of the Board
Dewan Komisaris. of Directors and/or members of the Board of
Commissioners.
• Kebijakan dan kriteria yang dibutuhkan dalam proses • Policies and criteria required in the Nomination process.
Nominasi.
• Kebijakan evaluasi kinerja bagi anggota Direksi dan/ •
Performance evaluation policy for members of the
atau anggota Dewan Komisaris. Board of Directors and/or members of the Board of
Commissioners.
b. Menyusun kebijakan evaluasi kinerja dan melakukan b. Develop performance evaluation policies and assess the
penilaian kinerja Direksi dan/atau Dewan Komisaris performance of the Board of Directors and/or the Board
berdasarkan tolok ukur yang telah disusun sebagai bahan of Commissioners based on benchmarks that have been
evaluasi. prepared as evaluation material.
c. Memberikan rekomendasi kepada Dewan Komisaris c. Provide recommendations to the Board of Commissioners
mengenai program pengembangan kemampuan anggota regarding capacity development programs for members
Direksi dan/atau anggota Dewan Komisaris. of the Board of Directors and/or members of the Board
of Commissioners.
d. Mengidentifikasi dan memberikan rekomendasi mengenai d. Identify and provide recommendations regarding
calon anggota Direksi dan/atau calon anggota Dewan prospective members of the Board of Directors and/or
Komisaris kepada Dewan Komisaris untuk disampaikan prospective members of the Board of Commissioners to
kepada Rapat Umum Pemegang Saham; the Board of Commissioners to be submitted to the General
Meeting of Shareholders;
e. Memberikan rekomendasi kepada Dewan Komisaris e. Provide recommendations to the Board of Commissioners
mengenai Pihak Independen yang akan menjadi Anggota regarding Independent Parties who will become Members
Komite Audit dan Anggota Komite Pemantau Risiko Bank. of the Audit Committee and Members of the Bank Risk
Oversight Committee.
3. Menyusun Piagam Kerja Komite Remunerasi dan Nominasi 3. Prepare a Remuneration and Nomination Committee Work
dan melakukan tinjauan sesuai kebutuhan paling kurang 2 Charter and conduct reviews as needed at least once every
(dua) tahun sekali. 2 (two) years.
2024 Annual Report & Sustainability Report
387
Page 390
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
4. Ketua Komite Remunerasi dan Nominasi bertugas dan 4. The Head of the Remuneration and Nomination Committee
bertanggung jawab untuk melakukan koordinasi atas seluruh is tasked with and responsible for coordinating all Committee
kegiatan Komite untuk memenuhi tujuan Komite sesuai dengan activities to fulfil the Committee’s objectives in accordance
pembentukannya. with its formation.
5. Ketua dan Anggota Komite Remunerasi dan Nominasi 5. The Head of Members of the Remuneration and Nomination
bertanggung jawab untuk hal-hal sebagai berikut: Committee are responsible for the following matters:
a. Menentukan rencana kerja tahunan; a. Determine the annual work plan;
b. Menentukan jadwal rapat tahunan; b. Determine the annual meeting schedule;
c. Membuat laporan berkala mengenai kegiatan Komite serta c. Make periodic reports regarding Committee activities and
hal-hal yang dirasakan perlu untuk menjadi perhatian matters deemed necessary for the attention of the Board
Dewan Komisaris; of Commissioners;
d. Menghadiri rapat; d. Attend meetings;
e. Berperan aktif dan memberikan kontribusinya dalam setiap e. Play an active role and contribute to every Committee
kegiatan Rapat Komite. Meeting activity.
Wewenang Komite Remunerasi dan Nominasi Authority of Remuneration and Nomination Committee
Dalam melaksanakan tugasnya, Komite memiliki wewenang sebagai In carrying out its duties, the Committee has the following
berikut: authorities:
1. Melakukan komunikasi dengan Kepala Unit Kerja dan pihak- 1. Communicate with the Head of Work Unit and other parties
pihak lain di Bank untuk memperoleh informasi, klarifikasi serta at the Bank to obtain information, clarification and request
meminta dokumen dan laporan yang diperlukan. necessary documents and reports.
2. Mengakses catatan atau informasi tentang pegawai, dana, aset 2. Access records or information about employees, funds, assets
serta sumber daya perusahaan lainnya yang berkaitan dengan and other company resources related to the implementation
pelaksanaan tugasnya. of their duties.
3. Mendapatkan masukan dan atau saran dari pihak luar Bank 3. Obtain input and/or suggestions from parties outside the Bank
yang berkaitan dengan tugasnya. related to their duties.
4. Melakukan kewenangan lain yang diberikan oleh Dewan 4. Carry out other authorities granted by the Board of
Komisaris. Commissioners.
Independensi Anggota Komite Remunerasi dan Nominasi Independence of Remuneration and Nomination
Committee Members
Seluruh anggota komite senantiasa bertindak secara independen All members of the committee always act independently in carrying
dalam melaksanakan fungsi dan tugas Dewan Komisaris terkait out the functions and duties of the Board of Commissioners related
remunerasi dan nominasi terhadap anggota Direksi dan anggota to remuneration and nomination of members of the Board of
Dewan Komisaris untuk terus memperkuat sistem dan remunerasi Directors and members of the Board of Commissioners. This is
Bank yang berbasis kinerja. Piagam Komite Remunerasi dan aimed at strengthening the Bank's performance-based system
Nominasi mengatur tentang bagaimana masing-masing anggota and remuneration. The Remuneration and Nomination Committee
Komite dalam menjalankan aktivitas profesionalnya secara Charter stipulates how each member of the Committee performs
terstruktur, sistematis, mudah dipahami dan konsisten, sehingga their professional activities in a structured, systematic, easy-to-
dapat dijadikan acuan bagi mereka dalam melaksanakan tugas understand and consistent manner, so that it can be used as a
dan tanggung jawab serta meningkatkan kualitas dan efektifitas reference for them in carrying out their duties and responsibilities
kerja antara berbagai organ dalam Bank. and improving the quality and effectiveness of work between various
organs within the Bank.
Penyelenggaraan Rapat Komite Remunerasi dan Implementation of Remuneration and Nomination
Nominasi Committee Meetings
Komite Remunerasi dan Nominasi dapat menyelenggarakan rapat The Remuneration and Nomination may convene meetings with
dengan ketentuan sebagai berikut: the following conditions:
1. Komite Remunerasi dan Nominasi mengadakan rapat secara 1. The Remuneration and Nomination Committee holds regular
berkala paling sedikit 1 kali dalam 3 (tiga) bulan. meetings at least once every 3 (three) months.
2. Rapat Komite hanya dapat dilaksanakan jika dihadiri mayoritas 2. Committee meetings can only be held if attended by the
anggota komite, termasuk kehadiran: majority of committee members, including the presence of:
a. 1 (satu) orang Komisaris Independen; dan a. 1 (one) Independent Commissioner; And
388 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 391
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
b. 1 (satu) orang Pejabat Eksekutif yang membawahkan fungsi b. 1 (one) Executive Officer in charge of the Human Resources
Sumber Daya Manusia. function.
3. Keputusan rapat Komite Remunerasi dan Nominasi diambil 3. Remuneration and Nomination Committee meeting decisions
berdasarkan musyawarah untuk mufakat. are taken based on deliberation to reach consensus.
4. Dalam hal tidak terjadi musyawarah mufakat sebagaimana 4. In the event that consensus deliberation as referred to in point 3
dimaksud pada butir 3, pengambilan keputusan dilakukan does not occur, decisions are made based on the majority vote.
berdasarkan suara terbanyak.
5. Setiap rapat Komite Remunerasi dan Nominasi dituangkan 5. Every meeting of the Remuneration and Nomination Committee
dalam risalah rapat, termasuk apabila terdapat perbedaan is outlined in the minutes of the meeting, including differences of
pendapat, yang ditandatangani oleh seluruh anggota Komite opinion, which are signed by all Committee members present.
yang hadir.
6. Rapat dapat dilakukan baik secara tatap muka maupun virtual 6. Meetings can be held either face-to-face or virtually via
melalui media telekonferensi atau sarana media lainnya yang teleconferencing or other media facilities that enable all
memungkinkan semua peserta Rapat Komite saling melihat dan Committee Meeting participants to see and hear each other
mendengar secara langsung serta berpartisipasi dalam rapat. directly and participate in the meeting.
Pada tahun 2024, Komite Remunerasi dan Nominasi telah In 2024, the Remuneration and Nomination Committee held 7
menyelenggarakan rapat sebanyak 7 (tujuh) kali dengan frekuensi (seven) meetings with the following attendance frequency and
kehadiran dan rincian agenda pembahasan sebagai berikut: discussion agenda details:
Nama Jabatan Jumlah Kehadiran Rapat
Name Position Number of Meeting Attendance
Aviliani Ketua Komite Remunerasi dan Nominasi 7/7 (100%)
Head of Remuneration and Nomination Committee
Ali Gunawan Anggota Komite Remunerasi dan Nominasi 7/7 (100%)
Member of Remuneration and Nomination Committee
Netty Delima Simanjuntak Anggota Komite Remunerasi dan Nominasi 7/7 (100%)
Member of Remuneration and Nomination Committee
Tanggal Pelaksanaan Agenda Rapat
No. Date Meeting Agenda
1. 26 Februari 2024 Penyampaian Konsep, Program dan Strategi Divisi Human Capital Strategy & Services Tahun 2024
February 26, 2024 Presentation of Concepts, Programs and Strategies of the Human Capital Strategy & Services Division in
2024
2. 13 Maret 2024 Evaluasi Jabatan dan Sistem Kepangkatan PT Allo Bank Indonesia Tbk
March 13, 2024 Job Evaluation and Ranking System of PT Allo Bank Indonesia Tbk
3. 20 Mei 2024 1. Pembahasan Surat Usulan Pemegang Saham atas Agenda RUPS Tahunan 31 Mei 2024
May 20, 2024 2. Pembahasan Usulan Remunerasi dan Fasilitas Tenaga Kerja Asing (TKA) PT Allo Bank Indonesia Tbk
1. Discussion of Shareholder Proposal Letter on the Agenda of the Annual GMS on May 31, 2024
2. Discussion of Proposal for Remuneration and Facilities for Foreign Workers (TKA) of PT Allo Bank
Indonesia Tbk
4. 24 Juni 2024 Penyesuaian Remunerasi Pengurus (Dewan Komisaris & Direksi) PT Allo Bank Indonesia Tbk Periode
June 24, 2024 2024 – 2025
Adjustment of Remuneration of Management (Board of Commissioners & Directors) of PT Allo Bank
Indonesia Tbk for the Period 2024 - 2025
5. 22 Juli 2024 Pembahasan Masa Jabatan Anggota Komite di bawah Dewan Komisaris
July 22, 2024 Discussion of Term of Office of Committee Members under the Board of Commissioners
6. 5 Agustus 2024 Pembahasan Kandidat Tenaga Kerja Asing (TKA) PT Allo Bank Indonesia Tbk
August 5, 2024 Discussion of Foreign Worker Candidates (TKA) PT Allo Bank Indonesia Tbk
7. 20 November 2024 Pengkinian Kebijakan Tata Kelola Remunerasi PT Allo Bank Indonesia Tbk
November 20, 2024 Update of Remuneration Governance Policy of PT Allo Bank Indonesia Tbk
2024 Annual Report & Sustainability Report
389
Page 392
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Peningkatan Kompetensi Komite Remunerasi dan Competency Development of Remuneration and
Nominasi Nomination Committee
Allo Bank senantiasa melaksanakan program peningkatan Allo Bank continuously implements competency improvement
kompetensi bagi Komite Remunerasi dan Nominasi guna programs for the Remuneration and Nomination Committee in order
mengoptimalkan seluruh tugasnya dan terus mengembangkan to optimize all its duties and continue to develop its capabilities in
kemampuannya sesuai dengan kondisi dan dinamika bisnis yang accordance with the current business conditions and dynamics.
terjadi. Informasi mengenai peningkatan kompetensi Komite Information regarding the competency improvement of the
Remunerasi dan Nominasi sepanjang tahun 2024 dapat dilihat Remuneration and Nomination Committee throughout 2024 can
pada Bab Profil Perusahaan dalam Laporan Tahunan ini. be seen in the Company Profile Chapter in this Annual Report.
Laporan Pelaksanaan Tugas Komite Remunerasi dan Report on Implementation of Duties of Remuneration and
Nominasi Nomination Committee
Sepanjang tahun 2024, Komite Remunerasi dan Nominasi telah Throughout 2024, the Remuneration and Nomination Committee
melaksanakan tugas dan tanggung jawabnya melalui sejumlah carried out its duties and responsibilities through a number of
kegiatan, seperti: activities, such as:
1. Menerima dan mencatat pengangkatan Sdr. Siswandi Pujo 1. Accepting and recording the appointment of Mr. Siswandi Pujo
Sasongko sebagai anggota Komite Pemantau Risiko dan Sdri. Sasongko as a member of the Risk Oversight Committee and
Lista Irna sebagai anggota Komite Audit. Ms. Lista Irna as a member of the Audit Committee.
2. Mencatat dan mendukung penyesuaian remunerasi pengurus 2. Recording and supporting the adjustment of the Bank's
Bank. management remuneration.
390 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 393
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Organ Supporting Organ of
Pendukung Direksi Board of Directors
Dalam membantu menjalankan tugas In assisting in carrying out the Bank's
pengelolaan Bank, Direksi dapat membentuk management duties, the Board of Directors
organ pendukung sebagaimana diatur dalam may form supporting organs as stipulated in
ketentuan perundang-undangan. Direksi telah the provisions of the law. The Board of Directors
memiliki organ pendukung struktural, yakni has structural supporting organs, namely the
Sekretaris Perusahaan & PMO dan Satuan Kerja Corporate Secretary & PMO and Internal Audit
Audit Internal (SKAI) serta organ pendukung Work Unit (SKAI) as well as non-structural
non-struktural yang terdiri dari Komite Kredit, supporting organs consisting of the Credit
Komite Kebijakan Perkreditan, Komite Aktiva Committee, Credit Policy Committee, Asset
dan Pasiva, Komite Manajemen Risiko, Komite and Liability Committee, Risk Management
Pengarah Teknologi Informasi, dan Komite Committee, Information Technology Steering
Produk serta Komite Sumber Daya Manusia. Committee, and Product Committee and
Human Resources Committee.
Komite Manajemen Risiko Risk Management Committee
Bank membentuk Komite Manajemen Risiko The Bank has formed a Risk Management
untuk membantu dan memberikan arahan Committee to assist and provide direction to
bagi anggota Direksi dalam melaksanakan members of the Board of Directors in carrying
tugas dan tanggung jawab terhadap proses out their duties and responsibilities regarding the
implementasi manajemen risiko di Bank dan risk management implementation process at the
Untuk mewujudkan penerapan manajemen Bank and to realize effective risk management
risiko yang efektif dan pelaksanaan fungsi implementation and implementation of risk
manajemen risiko dalam mengelola keseluruhan management functions in managing the Bank's
eksposur risiko Bank. overall risk exposure.
Komposisi Komite Manajemen Risiko
Composition of Risk Management Committee
Jabatan di Bank Jabatan Keanggotaan Komite
Position in Bank Position in Committee Membership
Direktur Utama Ketua
President Director Chairperson
Direktur Bisnis Anggota
Business Director Member
Direktur Risiko, Kepatuhan & Hukum Anggota
Finance, Operations & Human Capital Director Member
Direktur Keuangan, Operasi & Human Capital Anggota
Finance, Operations & Human Capital Director Member
Direktur Digital Anggota
Digital Director Member
Pimpinan Divisi terkait Undangan
Relevant managers of each division Invitee
Divisi Enterprise, Operational & Market Risk Sekretaris
Enterprise, Operational & Market Risk Division Secretary
2024 Annual Report & Sustainability Report
391
Page 394
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Tugas dan Wewenang Komite Manajemen Risiko Duties and Authorities of Risk Management Committee
Komite Manajemen Risiko bertugas dan bertanggung jawab untuk The Risk Management Committee is tasked with and responsible
melakukan evaluasi dan memberikan rekomendasi kepada Direktur for conducting evaluations and providing recommendations to the
Utama paling kurang meliputi: President Director, not to mention:
1. Penyusunan kebijakan Manajemen Risiko serta perubahannya, 1. Preparation of Risk Management policies and changes thereto,
termasuk strategi Manajemen Risiko, Tingkat Risiko yang diambil including Risk Management strategies, Level of Risk taken and
dan Toleransi Risiko, kerangka Manajemen Risiko serta rencana Risk Tolerance, Risk Management framework and contingency
kontinjensi untuk mengantisipasi terjadinya kondisi tidak normal. plans to anticipate the occurrence of abnormal conditions.
2. Penyusunan kebijakan Manajemen Risiko serta perubahannya, 2. Preparation of Risk Management policies and changes thereto,
termasuk strategi Manajemen Risiko, Tingkat Risiko yang diambil including Risk Management strategies, Level of Risk taken and
dan Toleransi Risiko, kerangka Manajemen Risiko serta rencana Risk Tolerance, Risk Management framework and contingency
kontinjensi untuk mengantisipasi terjadinya kondisi tidak normal. plans to anticipate the occurrence of abnormal conditions.
3. Penetapan kebijakan dan/atau keputusan bisnis yang 3. Determination of policies and/or business decisions that deviate
menyimpang dari prosedur normal, seperti pelampauan from normal procedures, such as exceeding significant business
ekspansi usaha yang signifikan dibandingkan dengan expansion compared to the Bank’s previously determined
Rencana Bisnis Bank yang telah ditetapkan sebelumnya, atau Business Plan, or taking Risk positions/exposures that exceed
pengambilan posisi/eksposur Risiko yang melampaui limit predetermined limits.
yang telah ditetapkan.
4. Menetapkan Risk Limit (Risk Appetite dan Risk Tolerance) dari 4. Determine the Risk Limit (Risk Appetite and Risk Tolerance) for
setiap bidang Risiko (Risk Taking Limit). each Risk area (Risk Taking Limit).
5. Memantau dan mengevaluasi penerapan Risk Limit disesuaikan 5. Monitor and evaluate the implementation of Risk Limits in
dengan ketentuan Risk Limit yang berlaku. accordance with applicable Risk Limit provisions.
6. Menetapkan kebijakan yang harus diambil berdasarkan hasil 6. Determine the policies that must be taken based on the
evaluasi. evaluation results.
7. Mengevaluasi Laporan Profil Risiko Triwulanan dan Semesteran 7. Evaluate the Quarterly and Semester Risk Profile Reports as
serta Laporan Penilaian Tingkat Kesehatan Bank (PTKB) sebelum well as the Bank Health Level Assessment Report (PTKB) before
disampaikan ke OJK sebagai laporan rutin. submitting it to the OJK as a routine report.
8. Mengevaluasi agar strategi bisnis Bank sejalan dengan strategi 8. Conduct evaluation to align the Bank’s business strategy with
Risiko. the Risk strategy.
9. Memantau isu-isu yang cukup signifikan melalui laporan yang 9. Monitor significant issues through reports submitted by the
disampaikan oleh sekretariat Komite. Committee secretariat.
Laporan Pelaksanaan Tugas Komite Manajemen Risiko Report on Implementation of Risk Management
Committee Activities
Sepanjang tahun 2024, Komite Manajemen Risiko telah In 2024, the Risk Management Committee carried out its duties,
melaksanakan tugasnya, yakni: including:
1. Memperbaharui Kebijakan Manajemen Risiko. 1. Update the Risk Management Policy.
2. Mengesahkan pembaruan piagam (charter) Komite Manajemen 2. Ratify the renewal of the Risk Management Committee charter.
Risiko.
3. Memberikan rekomendasi atas risk appetite statement dan 3. Provide recommendations on risk appetite statements and
profil risiko yang disusun manajemen dan penetapan Tingkat risk profiles prepared by management and determining the
Kesehatan Bank. Bank's Health Level.
4. Mengevaluasi hasil penilaian delapan jenis Profil Risiko Bank, di 4. Evaluate the results of assessing eight types of Bank Risk
antaranya Risiko Kredit, Pasar, Likuiditas, Operasional, Reputasi, Profiles, including Credit, Market, Liquidity, Operational,
Hukum, Strategis, dan Kepatuhan. Reputation, Legal, Strategic and Compliance Risk.
5. Memonitor Risk Appetite Statement Bank, termasuk limit risiko 5. Monitor the Bank’s Risk Appetite Statement, including risk limits
sesuai dengan matrik risiko yang telah ditetapkan untuk delapan in accordance with the risk matrix that has been determined
jenis risiko dan ketahanan modal. for eight types of risk and capital resilience.
6. Mengevaluasi pengelolaan permodalan Bank dengan 6. Evaluate the Bank’s capital management by linking the level
mengaitkan tingkat risiko dengan kecukupan modal sesuai of risk to capital adequacy in accordance with regulations.
dengan ketentuan.
392 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 395
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Komite Kredit Credit Committee
Bank membentuk Komite Kredit dengan tujuan untuk membantu The Bank establishes Credit Committee with the aim of assisting
Direksi dalam menetapkan keputusan di bidang perkreditan, the Board of Directors in making decisions in the credit sector,
khususnya dalam rangka memberikan persetujuan/menolak suatu particularly in the context of approving/rejecting a proposed credit
usulan permohonan kredit yang dituangkan dalam bentuk proposal application which is stated in the form of a credit proposal submitted
kredit yang diajukan oleh calon debitur/debitur melalui petugas by a prospective debtor/debtor through a designated Bank officer.
Bank yang telah ditunjuk.
Komposisi Komite Kredit Composition of Credit Committee
Komite kredit terdiri dari Kredit Wholesale, Kredit Treasury, dan The credit committee consists of Wholesale Credit, Treasury Credit,
Kredit Digital. and Digital Credit.
1. Susunan Komite Kredit Wholesale 1. Composition of the Wholesale Credit Committee
a. Ketua Komite : President Director a. Committee Chair: President Director
b. Anggota Komite : Business Director b. Committee Member: Business Director
c. Undangan Tetap : Risk, Compliance, & Legal Director c. Permanent Invitee: Risk, Compliance, & Legal Director
d. Sekretaris Komite : Credit Review & Restructure Specialist d. Committee Secretary: Credit Review & Restructure
Specialist
2. Susunan Komite Kredit Treasury 2. Composition of the Treasury Credit Committee
a. Ketua Komite : President Director a. Committee Chair: President Director
b. Anggota Komite : Business Director b. Committee Member: Business Director
c. Undangan Tetap : Risk, Compliance, & Legal Director c. Permanent Invitee: Risk, Compliance, & Legal Director
d. Sekretaris Komite : Credit Review & Restructure Specialist d. Committee Secretary: Credit Review & Restructure
Specialist
3. Susunan Komite Kredit Digital 3. Composition of the Digital Credit Committee
a. Ketua Komite : President Director a. Committee Chair: President Director
b. Anggota Komite : Digital Director b. Committee Member: Digital Director
c. Undangan Tetap : Risk, Compliance, & Legal Director c. Permanent Invitee: Risk, Compliance, & Legal Director
4. Susunan Komite Restruktur Kredit Wholesale 4. Composition of the Wholesale Credit Restructuring Committee
a. Ketua Komite : President Director a. Committee Chair: President Director
b. Anggota Komite : Finance, Operations & Human Capital b. Committee Member: Finance, Operations & Human Capital
Director Director
c. Undangan Tetap : Risk, Compliance, & Legal Director c. Permanent Invitee: Risk, Compliance, & Legal Director
d. Sekretaris Komite : Credit Review & Restructure Specialist d. Committee Secretary: Credit Review & Restructure
Specialist
Jabatan di Bank Jabatan Keanggotaan Komite
Position in the Bank Position in the Committee Membership
Direktur Utama Ketua
President Director Chairperson
Direktur Bisnis atau Direktur Digital Anggota
Business Director or Digital Director Member
Direktur Risiko, Kepatuhan & Hukum Undangan Tetap
Risk, Compliance & Legal Director Permanent Invitee
Credit Review & Restructure Specialist Sekretaris
Secretary
Tugas dan Wewenang Komite Kredit Duties and Authorities of the Credit Committee
1. Bertanggung jawab untuk memberikan persetujuan atau 1. Responsible for approving or rejecting credit applications and/
penolakan atas permohonan kredit dan/atau permohonan or credit restructuring applications after obtaining sufficient
restrukturisasi kredit setelah memperoleh informasi yang cukup information from the proposer.
dari pengusul.
2024 Annual Report & Sustainability Report
393
Page 396
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
2. Dalam memberikan keputusan atas usulan kredit dan/atau 2. In making decisions on credit proposals and/or credit
restrukturisasi kredit, Komite Kredit wajib: restructuring, the Credit Committee is obliged to:
a. Mempertimbangkan kajian dari Unit Kerja yang membawahi a. Consider studies from the Work Unit in charge of the Credit
fungsi Credit Review & Restructure, Unit Kerja yang Review & Restructure function, the Work Unit in charge
membawahi fungsi Legal, dan Unit Kerja yang membawahi of the Legal function, and the Work Unit in charge of the
fungsi Compliance. Hasil kajian tersebut dapat digunakan Compliance function. The results of this study can be
sebagai dasar untuk melakukan perubahan dan/atau used as a basis for making changes and/or additional
penambahan persyaratan guna memitigasi risiko kredit requirements to mitigate credit risks that may arise.
yang mungkin akan timbul.
b. Memastikan bahwa seluruh aspek telah memenuhi prinsip b. Ensure that all aspects fulfill the principles of providing
pemberian kredit yang sehat sesuai dengan Pedoman healthy credit in accordance with the Bank’s Credit
Kebijakan Perkreditan Bank, tidak melanggar ketentuan Policy Guidelines, do not violate the provisions of the
prinsip kehati-hatian Bank yang berpedoman pada Bank’s prudential principles which are guided by external
peraturan atau ketentuan eksternal maupun internal, and internal regulations or provisions, and ensure the
dan memastikan kelayakan pemberian kredit serta appropriateness of providing credit and minimize the
meminimalkan potensi moral hazard. potential for moral hazard.
Laporan Pelaksanaan Tugas Komite Kredit Report on the Implementation of Credit Committee
Duties
Sepanjang tahun 2024, Komite Kredit telah melaksanakan Throughout 2024, the Credit Committee carried out activities in
kegiatan sesuai dengan fungsinya yaitu dengan mengevaluasi accordance with its function, namely by evaluating and deciding
dan memutuskan proposal kredit yang diajukan oleh petugas Bank on credit proposals submitted by bank officers on new credit
atas proposal kredit baru sesuai dengan ketentuan yang berlaku. proposals in accordance with applicable regulations.
Komite Kebijakan Perkreditan Credit Policy Committee
Bank membentuk Kebijakan Perkreditan untuk membantu Direksi The Bank establishes Credit Policy to assist the Board of Directors in
dalam melaksanakan tugas dan tanggung jawab terkait pengelolaan carrying out duties and responsibilities related to the management
kebijakan perkreditan yang bertujuan untuk mendukung pemberian of credit policies, aiming to support the provision of sound credit
kredit yang sehat dan mengandung unsur pengendalian internal and contain elements of internal control from the initial stage of
mulai tahap awal proses kegiatan perkreditan sampai dengan the credit activity process to the credit monitoring stage by paying
tahap pemantauan perkreditan dengan memperhatikan prinsip attention to the principle of prudence.
kehati-hatian.
Komposisi Komite Kebijakan Perkreditan
Composition of Credit Policy Committee
Jabatan di Bank Jabatan Keanggotaan Komite
Position in the Bank Position in the Committee Membership
Direktur Utama Ketua
President Director Chairperson
Direktur Bisnis Wakil Ketua
Business Director Vice Chairperson
Direktur Keuangan, Operasi & Human Capital Undangan Tetap
Finance, Operations & Human Capital Director Permanent Invitee
Direktur Digital Undangan Tetap
Digital Director Permanent Invitee
Direktur Risiko, Kepatuhan & Hukum Anggota
Risk, Compliance & Legal Director Member
Process Management Head Anggota
Member
Legal Head Anggota
Member
394 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 397
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Jabatan di Bank Jabatan Keanggotaan Komite
Position in the Bank Position in the Committee Membership
Internal Audit Head Anggota
Member
Credit Operations Head Anggota
Member
Treasury Head Anggota
Member
Credit Head Anggota
Member
Collection Head Anggota
Member
Credit Review & Restructure Head Anggota
Member
Compliance, AML & CTF Head Anggota
Member
Enterprise, Operational & Market Risk Head Anggota
Member
Cyber Risk Head Anggota
Member
Growth Head Anggota
Member
Digital Non Lending & Product & Business Anggota
Member
Credit Risk Head Sekretaris (merangkap anggota)
Secretary (concurrently as a member)
Tugas dan Wewenang Komite Kebijakan Perkreditan Duties and Authorities of Credit Policy Committee
1. Menyampaikan laporan tertulis secara berkala kepada Direksi 1. Submit regular written reports to the Board of Directors with
dengan tembusan kepada Dewan Komisaris, mengenai: a copy to the Board of Commissioners, regarding:
a. Hasil pengawasan atas penerapan dan pelaksanaan KPB. a. Results of supervision of the implementation and
implementation of the KPB.
b. Hasil pemantauan dan evaluasi pelaksanaan ketentuan b. Results of monitoring and evaluation of the implementation
perkreditan yang sudah dijalankan of credit provisions that have been implemented.
2. Memberikan saran mengenai langkah-langkah perbaikan yang 2. Provide suggestions regarding corrective steps that should be
sebaiknya diambil untuk memitigasi risiko yang mungkin timbul taken to mitigate risks that may arise from the implementation
atas implementasi suatu kebijakan dalam laporan tertulis yang of a policy in written reports that are made periodically.
dibuat secara berkala.
Laporan Pelaksanaan Tugas Komite Kebijakan Report on the Implementation of Credit Policy
Perkreditan Committee Activities
Sepanjang tahun 2024, Komite Kebijakan Perkreditan telah Throughout 2024, the Credit Policy Committee carried out activities
melaksanakan kegiatan sesuai dengan fungsinya yaitu memberikan according to its function, namely providing input to the Board of
masukan kepada Direksi terkait penyusunan, mengawasi penerapan Directors regarding preparation, overseeing the implementation
dan melakukan evaluasi atas kebijakan perkreditan Bank dalam and evaluating the Bank’s credit policies in order to mitigate the
rangka melakukan mitigasi proses perkreditan sesuai dengan prinsip credit process in accordance with the precautionary principle.
kehati hatian.
2024 Annual Report & Sustainability Report
395
Page 398
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Komite ALCO ALCO Committee
Bank membentuk Komite Aset dan Liabilitas (ALCO) untuk The Bank has formed an Asset and Liability Committee (ALCO) to
membantu pelaksanaan tugas Direksi dalam memelihara struktur assist the Board of Directors in carrying out its duties in maintaining
neraca secara menyeluruh yang meliputi analisis dan perumusan a comprehensive balance sheet structure that includes analysis and
kebijakan, strategi, pengambilan keputusan, serta pengawasan formulation of policies, strategies, decision-making, and supervision
dalam pengelolaan Risiko Likuiditas, Risiko Suku Bunga, Risiko in the management of Liquidity Risk, Interest Rate Risk, Market
Pasar dan permodalan yang sejalan dengan peraturan regulator Risk and capital in line with regulatory regulations and the Bank's
dan strategi bisnis Bank. business strategy.
Komposisi Komite ALCO
Composition of ALCO Committee
Jabatan di Bank Jabatan Keanggotaan Komite
Position in the Bank Position in the Committee Membership
Direktur Utama Ketua
President Director Chairperson
Direktur Bisnis Anggota
Business Director Member
Direktur Keuangan, Operasi & Human Capital Anggota
Finance, Operations & Human Capital Director Member
Direktur Risiko, Kepatuhan & Hukum Anggota
Risk, Compliance & Legal Director Member
Direktur Digital Anggota
Digital Director Member
Finance & Accounting Head Undangan Tetap
Permanent Invitee
Funding Head Undangan Tetap
Permanent Invitee
Credit Head Undangan Tetap
Permanent Invitee
Credit Risk Head Undangan Tetap
Permanent Invitee
Treasury Head Sekretaris
Secretary
Tugas dan Wewenang Komite ALCO Duties and Authorities of ALCO Committee
1. Menetapkan target keuangan Bank (jangka pendek dan 1. Establish the Bank's financial targets (short and medium term)
menengah) guna mempertahankan dan meningkatkan nilai to maintain and increase the Bank's value by optimizing the
Bank melalui optimalisasi spread antara pendapatan dan biaya spread between income and costs at a tolerable risk level.
pada tingkat risiko yang dapat ditoleransi.
2. Memastikan bahwa target keuangan yang ditetapkan Bank 2. Ensure that the Bank's financial targets are approved by the
mendapatkan persetujuan dari Dewan Komisaris. Pelaksanaan Board of Commissioners. The implementation of the Asset and
disiplin Asset and Liabilities Management (ALMA) oleh ALCO Liabilities Management (ALMA) discipline by ALCO practically
secara praktis mengarah kepada pencapaian target-target leads to the achievement of these financial targets.
keuangan tersebut.
3. Menetapkan strategi ALMA untuk mencapai target-target 3. Establish the ALMA strategy to achieve these targets, through:
tersebut melalui: (i) Penetapan Rencana Bisnis; (ii) Komposisi (i) Determination of the Business Plan; (ii) Composition of the
neraca dan off balance sheet aktiva/pasiva; (iii) Produk dan jasa balance sheet and off balance sheet assets/liabilities; (iii)
yang ditawarkan; (iv) Penentuan tingkat suku bunga dan/atau Products and services offered; (iv) Determination of interest
pricing untuk semua produk dan jasa Bank. rates and/or pricing for all Bank products and services.
396 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 399
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
4. Menjaga agar dalam pelaksanaan strategi ALMA, Bank tetap 4. Ensure that while implementing the ALMA strategy, the Bank
menjaga Bank-wide risk level pada tingkat yang sesuai dengan maintains the Bank-wide risk level at a level that matches with
risk appetite. risk appetite.
5. Menetapkan infrastruktur guna melaksanakan strategi ALMA. 5. Establish the infrastructure to implement the ALMA strategy.
Laporan Pelaksanaan Tugas Komite ALCO Report on Implementation of ALCO Committee Activities
Sepanjang tahun 2024, Komite ALCO telah melaksanakan kegiatan Throughout 2024, the ALCO Committee carried out activities in
sesuai dengan fungsinya yaitu mengoptimalkan neraca Bank agar accordance with its function, namely optimizing the Bank’s balance
menghasilkan profit yang maksimal dan memelihara likuiditas Bank sheet to produce maximum profits and maintain the Bank’s liquidity
sesuai kebutuhan neraca serta memastikan kondisi likuiditas yang according to balance sheet requirements, while ensuring that
patuh terhadap peraturan internal dan eksternal, Antara lain dengan liquidity conditions comply with internal and external regulations
cara mengelola risiko suku bunga di neraca Bank serta merumuskan through the management of rate risk on the balance sheet of the
contingency funding plan sesuai dengan peraturan yang berlaku. Bank and formulating contingency funding plans in accordance
with applicable regulations.
Komite Pengarah Teknologi Informasi Information Technology Steering Committee
Bank membentuk Komite Pengarah Teknologi Informasi untuk The Bank establishes Information Technology Steering Committee
membantu pelaksanaan tugas Direksi dalam melaksanakan tugas to assist the Board of Directors in carrying out its duties and
dan tanggung jawab terhadap penetapan Rencana Strategis responsibilities regarding the determination of the Information
Teknologi Informasi dan realisasi kebijakan pengembangan serta Technology Strategic Plan and the realization of development
evaluasi penggunaan teknologi informasi. policies and evaluation of the use of information technology.
Komposisi Komite Pengarah Teknologi Informasi
Composition of Information Technology Committee
Jabatan di Bank Jabatan Keanggotaan Komite
Position in the Bank Position in the Committee Membership
Direktur TI Ketua
IT Director Chairperson
Direktur Keuangan, Operasi dan Human Capital Anggota
Finance, Operations & Human Capital Director Member
Direktur Risiko, Kepatuhan & Hukum Anggota
Risk, Compliance & Legal Director Member
Direktur Digital Anggota
Digital Director Member
Direktur Bisnis Undangan Tetap
Business Director Permanent Invitee
IT Strategy & Governance Head Sekretaris
Secretary
Tugas dan Wewenang Komite Pengarah Teknologi Duties and Authorities of Information Technology
Informasi Steering Committee
Komite Pengarah Teknologi Informasi bertanggung jawab The Information Technology Steering Committee is responsible for
memberikan rekomendasi kepada Direksi paling sedikit memuat providing recommendations to the Board of Directors containing
tentang: the following:
1. Rencana Strategis Teknologi Informasi yang sejalan dengan 1. Information Technology Strategic Plan which is in line with
rencana strategis kegiatan usaha Bank; the Bank’s strategic plan for business activities.
2. Perumusan kebijakan, standar, dan prosedur Teknologi 2. Formulation of key Information Technology policies, standards
Informasi yang utama; and procedures.
3. Kesesuaian antara proyek Teknologi Informasi yang disetujui 3. Conformity between approved Information Technology projects
dengan Rencana Strategis Teknologi Informasi; and the Information Technology Strategic Plan.
4. Kesesuaian antara pelaksanaan proyek Teknologi Informasi 4. Conformity between the implementation of the Information
dengan rencana proyek yang disepakati; Technology project and the agreed project plan.
2024 Annual Report & Sustainability Report
397
Page 400
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
5. Kesesuaian antara Teknologi Informasi dengan kebutuhan 5. Compatibility between Information Technology and the needs
sistem informasi manajemen serta kebutuhan kegiatan usaha of management information systems and the needs of the
Bank; Bank’s business activities.
6. Efektivitas langkah-langkah dalam meminimalkan risiko atas 6. Effectiveness of steps in minimizing risks on Bank investments
investasi Bank pada sektor Teknologi Informasi agar investasi in the Information Technology sector so that Bank investments
Bank pada sektor Teknologi Informasi memberikan kontribusi in the Information Technology sector contribute to achieving
terhadap pencapaian tujuan bisnis Bank; the Bank’s business objectives.
7. Pemantauan atas kinerja Teknologi Informasi dan upaya 7. Monitoring Information Technology performance and efforts
peningkatan kinerja Teknologi Informasi; to improve Information Technology performance.
8. Upaya penyelesaian berbagai masalah terkait Teknologi 8. Efforts to resolve various problems related to Information
Informasi yang tidak dapat diselesaikan oleh unit kerja Technology that cannot be resolved by the work units of
pengguna dan penyelenggara Teknologi Informasi secara Information Technology users and providers effectively,
efektif, efisien, dan tepat waktu; efficiently and on time.
9. Kecukupan dan alokasi sumber daya yang dimiliki Bank; dan 9. Adequacy and allocation of resources owned by the Bank.
10. Melakukan evaluasi dan persetujuan untuk pelaksanaan proyek 10. Evaluate and approve the implementation of Information
Teknologi Informasi. Technology projects.
Laporan Pelaksanaan Tugas Komite Pengarah Teknologi Implementation Report of Duties of Information
Informasi Technology Steering Committee
Sepanjang tahun 2024, Komite Pengarah Teknologi Informasi telah Throughout 2024, the Information Technology Steering Committee
melaksanakan berbagai kegiatan sesuai tugas dan kewenangannya, carried out various activities in accordance with its duties and
antara lain: authorities, including:
1. Persetujuan usulan baik penetapan maupun revisi terhadap 1. Approval of proposals for both determination and revision of the
rencana pengembangan teknologi informasi pada tahun 2024 information technology development plan in 2024 and 2025.
dan tahun 2025.
2. Evaluasi realisasi CAPEX dan OPEX TI periode tahun 2024. 2. Evaluation of the realization of IT CAPEX and OPEX for the
period 2024.
3. Persetujuan usulan alokasi CAPEX dan OPEX TI periode tahun 3. Approval of proposals for allocation of IT CAPEX and OPEX
2025. for the period 2025.
4. Evaluasi hasil kinerja TI periode tahun 2024. 4. Evaluation of IT performance results for the period 2024.
5. Persetujuan usulan penetapan standar teknologi pengembangan 5. Approval of proposals for determination of standards for
aplikasi, infrastruktur TI, dan keamanan TI. application development technology, IT infrastructure, and
IT security.
6. Persetujuan usulan penetapan hasil pelaksanaan dan 6. Approval of proposals for determination of the results of
implementasi standar keamanan ISO 27001 information security the implementation and implementation of the ISO 27001
management system (ISMS). information security management system (ISMS) security
standard.
7. Persetujuan usulan pengadaan perangkat infrastruktur TI. 7. Approval of proposals for procurement of IT infrastructure
devices.
8. Persetujuan usulan pelaksanaan uji coba rencana pemulihan 8. Approval of proposals for the implementation of the disaster
bencana (Disaster Recovery Plan/DRP). recovery plan (DRP) trial.
9. Persetujuan usulan penetapan hasil penilaian Tingkat Maturitas 9. Approval of proposals for determination of the results of the
Digital Bank (DMAB) tahun 2023 dan tahun 2024. Bank's Digital Maturity Level (DMAB) assessment in 2023 and
2024.
Komite Produk Product Committee
Bank membentuk Komite Produk yang bertugas untuk memastikan The Bank establishes Product Committee tasked with ensuring that
produk dan aktivitas baru yang dikembangkan oleh Allo Bank telah new products and activities developed by Allo Bank conform to the
sesuai dengan rencana dan strategi Bank serta risiko-risiko yang Bank's plans and strategies as well as the risks faced by the Bank.
dihadapi Bank.
398 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 401
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Komposisi Komite Produk
Composition of Product Committee
Jabatan di Bank Jabatan Keanggotaan Komite
Position in the Bank Position in the Committee Membership
Direktur Bisnis Ketua
Business Director Chairperson
Direktur Digital Anggota
Digital Director Member
Direktur Utama Undangan Tetap
President Director Permanent Invitee
Direktur Risiko, Kepatuhan & Hukum Undangan Tetap
Risk, Compliance & Legal Director Permanent Invitee
Direktur Keuangan, Operations & Human Capital Undangan Tetap
Finance, Operations & Human Capital Director Permanent Invitee
Compliance & AML CTF Head Anggota Working Committee
Working Committee Member
Internal Audit Head Anggota Working Committee
Working Committee Member
Enterprise, Operational & Market Risk Head Anggota Working Committee
Working Committee Member
Legal Head Anggota Working Committee
Working Committee Member
Finance & Accounting Head Anggota Working Committee
Working Committee Member
Process Management Head Anggota Working Committee
Working Committee Member
Application Management Head Anggota Working Committee
Working Committee Member
Head Inisiator/Pemilik Produk Anggota Working Committee
Head of Initiator/Product Owner Working Committee Member
Pemimpin Tertinggi Unit Kerja terkait IT Anggota Working Committee
Top Leader of IT-related Work Unit Working Committee Member
Pemimpin Tertinggi Unit Kerja terkait Transaksi, Operasional, dan Monitoring Anggota Working Committee
Top Leader of Work Unit related to Transactions, Operations, and Monitoring Working Committee Member
Pemimpin Tertinggi Unit Kerja dan/atau perwakilan yang ditunjuk langsung dari Anggota Working Committee
Unit Kerja pemilik produk yang menjadi agenda rapat. Working Committee Member
The highest leader of the work unit and/or a representative appointed directly
from the work unit that owns the product that is on the meeting agenda.
Digital Strategy Head Sekretaris
Secretary
Tugas dan Wewenang Komite Produk Duties and Authorities of the Product Committee
1. Memastikan bahwa Produk atau Aktivitas Baru yang akan 1. Ensure that the New Products or Activities to be developed
dikembangkan, sudah sesuai dengan rencana dan strategi are in accordance with the Bank’s plans and strategies as well
Bank serta risiko-risiko yang dihadapi. as the risks faced.
2. Memberikan dan menyetujui Produk atau Aktivitas Baru yang 2. Provide and approve the proposed New Product or Activity.
diajukan.
3. Bagi Working Committee, untuk membahas, menganalisis, 3. For the Working Committee, to discuss, analyze, provide
memberikan opini/usulan, dan melengkapi kebijakan/proses opinions/suggestions, and complete policies/processes related
terkait rencana penerbitan Produk atau Aktivitas Baru yang to the plan to publish New Products or Activities proposed
diusulkan oleh Inisiator. by the Initiator.
2024 Annual Report & Sustainability Report
399
Page 402
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Laporan Pelaksanaan Tugas Komite Produk Implementation Report of Product Committee Activities
Sepanjang tahun 2024, Komite Produk telah melaksanakan kegiatan Throughout 2024, the Product Committee carried out activities in
sesuai dengan fungsinya yaitu memastikan pengembangan produk accordance with its function, which is to ensure the development
dan layanan Bank serta aktivitas di dalamnya sudah berjalan sesuai of the Bank’s products and services and the activities therein are in
dengan rencana dan strategi Bank serta sudah mengidentifikasi line with the Bank’s plans and strategies, as well as having identified
risiko-risiko yang dihadapi. the risks faced.
Komite Sumber Daya Manusia Human Resources Committee
Bank membentuk Komite Sumber Daya Manusia yang bertugas The Bank establishes Human Resources Committee whose task
untuk membantu Direksi dalam melaksanakan tugas dan tanggung is to assist the Board of Directors in carrying out its duties and
jawab terhadap penetapan rencana strategis serta pengelolaan responsibilities regarding the determination of strategic plans and
kebijakan di bidang Sumber Daya Manusia. management of policies in the field of Human Resources.
Komposisi Komite Sumber Daya Manusia
Human Resources Committee Composition
Jabatan di Bank Jabatan Keanggotaan Komite
Position in the Bank Position in the Committee Membership
Direktur Keuangan, Operations & Human Capital Ketua
Finance, Operations & Human Capital Director Chairperson
Direktur Risiko, Kepatuhan & Hukum Anggota
Risk, Compliance & Legal Director Member
Pemimpin Tertinggi Unit Kerja terkait lainnya sesuai dengan agenda rapat Anggota
Other related Work Unit Heads according to the meeting agenda Member
Direktur Utama Undangan Tetap
President Director Permanent Invitee
Direktur Bisnis Undangan Tetap
Business Director Permanent Invitee
Direktur Digital Undangan Tetap
Digital Director Permanent Invitee
Human Capital Strategy & Services Sekretaris
Secretary
Tugas dan Wewenang Komite Sumber Daya Manusia Duties and Authorities of the Human Resources
Committee
1. Memberikan arahan strategi dan membuat kebijakan umum 1. Provide strategic direction and make general policies in the
di bidang Sumber Daya Manusia termasuk perubahan- field of Human Resources including changes, including (but
perubahannya, antaralain (namun tidak terbatas) pada not limited to) the following areas: Human Resources Strategy;
bidang-bidang berikut: Strategi Sumber Daya Manusia; General Employment Policy; Employee compensation and
Kebijakan Umum tentang Ketenagakerjaan; Kompensasi dan benefits; Performance Assessment Management, including
benefit karyawan; Manajemen Penilaian Kinerja, termasuk promotions; Talent Management and Succession Planning;
promosi; Manajemen Talenta dan Perencanaan Suksesi; Organizational Structure and rank levels; Employee Training
Struktur Organisasi dan jenjang kepangkatan; Pelatihan dan and Development; Company culture and values and Employee
Pengembangan karyawan; Budaya dan nilai perusahaan serta engagement; Employee and industrial relations development;
Keterikatan karyawan; Pengembangan hubungan karyawan Workforce Planning; and Organizational Health and Safety.
dan industri; Perencanaan Tenaga Kerja; dan Kesehatan dan
Keselamatan Organisasi.
2. Mendiskusikan dan memutuskan ketentuan remunerasi yang 2. Discuss and decide on the remuneration provisions given to
diberikan kepada pegawai. employees.
3. Memberikan usulan terkait ketentuan remunerasi kepada 3. Provide proposals related to remuneration provisions to the
Komite Remunerasi dan Nominasi berdasarkan hasil diskusi Remuneration and Nomination Committee based on the results
dan keputusan pada poin diatas. of discussions and decisions in the points above.
400 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 403
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
4. Menetapkan penghargaan/sanksi dan bentuk ataupun jumlah 4. Determine awards/sanctions and the form or amount of awards/
penghargaan/sanksi bagi pegawai. sanctions for employees.
5. Melaksanakan tugas dan tanggung jawab lain yang mungkin 5. Carry out other duties and responsibilities that may be given
diberikan oleh Direksi kepada Komite SDM. by the Board of Directors to the HR Committee.
Laporan Pelaksanaan Tugas Komite Sumber Daya Implementation Report of Duties of Human Resources
Manusia Committee
Sepanjang tahun 2024, Komite Sumber Daya Manusia telah Throughout 2024, the Human Resources Committee has conducted
melaksanakan kegiatan sesuai dengan fungsinya antara lain: activities in accordance with its functions, including:
1. Pembahasan Rencana Pemenuhan SDM dan Struktur 1. Discussion of the Human Resources Fulfillment Plan and
Organisasi Organizational Structure.
2. Penetapan Skema dan Mekanisme Penilaian Kinerja Karyawan 2. Determination of the Employee Performance Assessment
serta Kriteria Promosi Karyawan Scheme and Mechanism as well as Employee Promotion
Criteria.
3. Penetapan Penggolongan Kepangkatan serta Struktur Gaji 3. Determination of the 2024 Rank Classification as well as Salary
2024 dan Kompensasi Karyawan Structure and Employee Compensation.
4. Penetapan Skema Kebijakan Sanksi dan Pelanggaran Karyawan 4. Determination of the Employee Sanctions and Violation Policy
Scheme.
5. Pembahasan terkait hasil pelaksanaan KYE tahun 2024 5. Discussion of the results of the 2024 KYE implementation.
6. Pembahasan terkait pengajuan kandidat Tenaga Kerja Asing 6. Discussion regarding the submission of Foreign Worker (TKA)
(TKA) kepada OJK candidates to the OJK.
7. Pembahasan kasus kedisiplinan dan pelanggaran yang 7. Discussion of disciplinary cases and violations committed by
dilakukan oleh karyawan employees.
Sekretaris Perusahaan & PMO Corporate Secretary & PMO
Sekretaris Perusahaan & Program Management Office (PMO) The Corporate Secretary & Project Management Office (“PMO”)
merupakan organ pendukung Direksi yang bertanggung is a supporting organ of the Board of Directors responsible for
jawab terhadap pembentukan citra positif Bank serta kegiatan creating a positive image of the Bank and the timely and accurate
penyampaian informasi material Bank secara tepat waktu dan akurat delivery of material information about Allo Bank to all stakeholders.
kepada seluruh pemangku kepentingan. Sekretaris Perusahaan The Corporate Secretary & PMO is responsible for providing and
& PMO bertanggung jawab menyediakan dan menyampaikan disseminating information to the public and for the interest of
informasi kepada masyarakat umum maupun untuk kepentingan investors related to the Bank’s performance in a timely, accurate,
investor yang berhubungan dengan kinerja Bank secara tepat waktu, and transparent manner, in accordance with the regulations and
akurat, dan transparan sesuai ketentuan dan perundang-undangan laws applicable to banks and public companies.
yang berlaku bagi Bank dan sebagai sebuah perusahaan publik.
Dasar Hukum Legal Basis
1. Peraturan OJK No. 17 Tahun 2023 tentang Penerapan Tata 1. OJK Regulation No. 17 of 2023 concerning Implementation
Kelola bagi Bank Umum. of Governance for Conventional Bank.
2. Peraturan OJK No. 35/POJK.04/2014 tentang Sekretaris 2. OJK Regulation No. 35/POJK.04/2014 concerning Corporate
Perusahaan Emiten atau Perusahaan Publik. Secretaries of Issuers or Public Companies.
Pihak yang Mengangkat dan Memberhentikan Sekretaris Authorities Appointing and Dismissing the Corporate
Perusahaan & PMO Secretary & PMO
Sekretaris Perusahaan & PMO dapat diangkat dan diberhentikan oleh The Corporate Secretary & PMO is directly responsible to the
Direksi melalui Keputusan Direksi berdasarkan mekanisme internal Board of Directors and is appointed and dismissed based on the
Bank. Atas dasar ini, Sekretaris Perusahaan & PMO bertanggung Board of Directors’ decree following the internal mechanism of
jawab langsung kepada Direksi. Pengangkatan Sekretaris the Bank. The appointment of the Corporate Secretary & PMO
Perusahaan & PMO juga dilakukan dengan mempertimbangkan takes into account his/her professional capabilities and integrity
kemampuan profesional serta integritasnya terhadap masyarakat in society and business.
dan bisnis.
2024 Annual Report & Sustainability Report
401
Page 404
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Pejabat Sekretaris Perusahaan dan Dasar Pengangkatan Corporate Secretary Officer and Appointment Basis
Berdasarkan Surat Keputusan (SK) PT Allo Bank Indonesia Tbk Based on the Decree (SK) of PT Allo Bank Indonesia Tbk (“Bank”)
(“Bank”) No. 074/DIRAB/22 tertanggal 3 Oktober 2022, Bank No. 074/DIRAB/22 dated October 3, 2022, the Bank through the
melalui Direktur Utama menunjuk Stacey Aryadi Suryoputro sebagai President Director appointed Stacey Aryadi Suryoputro as Head
Head Sekretaris Perusahaan & PMO. of Corporate Secretary & PMO.
Stacey Aryadi
Suryoputro Kewarganegaraan
Citizenship
Indonesia
Indonesian
Sekretaris Perusahaan & PMO Usia 48 tahun
Age 48 years old
Corporate Secretary & PMO
Kelahiran Jakarta, 28 Agustus 1976
Place of Birth Jakarta, August 28, 1976
Domisili DKI Jakarta
Domicile
Riwayat Pendidikan Masters of Business Administration (MBA) and Bachelor of
Educational Background Science (BSc.) dari Arkansas State University (USA)
Masters of Business Administration (MBA) and Bachelor of
Science (BSc.) from Arkansas State University (USA)
Riwayat Pekerjaan • Sekretaris Perusahaan di PT Bank Commonwealth.
Employment History • Head of Strategy and Corporate Communication di PT
Bank Ganesha Tbk.
• Corporate Strategy & Marketing Research di PT Bank
Permata Tbk.
• Head of Government and Investor Relations di PT Bank
Permata Tbk.
• Change Program Management Officer dan Treasury
Dealer di PT Bank Lippo Tbk.
• Corporate Secretary at PT Bank Commonwealth,
• Head of Strategy and Corporate Communication at PT
Bank Ganesha Tbk,
• Corporate Strategy & Marketing Research at PT Bank
Permata Tbk,
• Head of Government and Investor Relations at PT Bank
Permata Tbk,
• Change Program Management Officer and Treasury
Dealer at PT Bank Lippo Tbk.
Pendidikan dan/atau Tidak memiliki hubungan afiliasi dengan anggota Dewan
Sertifikasi yang Berlaku Komisaris dan Direksi dan Pemegang Saham Pengendali
Applicable Education No affiliation relationship with members of the Board of
and/or Professional Commissioners and Directors and Controlling Shareholders
Certifications
402 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 405
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tugas dan Tanggung Jawab Sekretaris Perusahaan Duties and Responsibilities of the Corporate Secretary
1. Mengikuti perkembangan Pasar Modal khususnya peraturan 1. Monitoring the development of the Capital Market, especially
perundang-undangan yang berlaku di bidang Pasar Modal. the applicable laws and regulations in the field of Capital Market.
2. Memberikan masukan kepada Direksi dan Dewan Komisaris 2. Providing input to the Board of Directors and Board of
Emiten atau Perusahaan Publik untuk mematuhi ketentuan Commissioners of the Issuer or Public Company to comply
peraturan perundang-undangan di bidang Pasar Modal. with the provisions of laws and regulations in the field of Capital
Market.
3. Membantu Direksi dan Dewan Komisaris dalam pelaksanaan 3. Assisting the Board of Directors and Board of Commissioners
tata kelola perusahaan yang meliputi: in implementing corporate governance, which includes:
a. Keterbukaan informasi kepada masyarakat, termasuk a. Information disclosure to the public, including the availability
ketersediaan informasi pada Situs Web Emiten atau of information on the Issuer’s or Public Company’s website.
Perusahaan Publik.
b. Penyampaian laporan kepada Otoritas Jasa Keuangan b. Submitting reports to the Financial Services Authority in
secara tepat waktu. a timely manner.
c. Penyelenggaraan dan dokumentasi RUPS. c. Organizing and documenting the GMS.
d. Penyelenggaraan dan dokumentasi rapat Direksi dan/atau d. Organizing and documenting meetings of the Board of
Dewan Komisaris. Directors and/or the Board of Commissioners.
e. Pelaksanaan program orientasi terhadap perusahaan bagi e. Implementing the company orientation program for the
Direksi dan/atau Dewan Komisaris. Board of Directors and/or the Board of Commissioners.
f. Sebagai penghubung dengan pemegang saham, OJK f. Acting as a liaison with shareholders, OJK, and other
dan pemangku kepentingan lainnya. stakeholders.
Peningkatan Kompetensi Sekretaris Perusahaan & PMO Competency Development of Corporate Secretary & PMO
Allo Bank senantiasa melaksanakan program peningkatan Allo Bank always implements competency improvement programs
kompetensi bagi Sekretaris Perusahaan & PMO guna for Corporate Secretary & PMO in order to optimize all their duties
mengoptimalkan seluruh tugasnya dan terus mengembangkan and continue to develop their capabilities, especially to follow
kemampuannya, khususnya untuk mengikuti perkembangan isu- developments in issues surrounding the corporation and functions
isu seputar korporasi dan fungsi di bawah Sekretaris Perusahaan under the Corporate Secretary & PMO. Information regarding
& PMO. Informasi mengenai peningkatan kompetensi Komite the improvement of the Risk Oversight Committee's competency
Pemantau Risiko sepanjang tahun 2024 dapat dilihat pada Bab throughout 2024 can be seen in the Company Profile Chapter in
Profil Perusahaan dalam Laporan Tahunan ini. this Annual Report.
Laporan Pelaksanaan Tugas dan Tanggung Jawab Implementation Report of Duties and Responsibilities of
Sekretaris Perusahaan & PMO Corporate Secretary & PMO
Di tahun 2024, Sekretaris Perusahaan & PMO telah melaksanakan In 2024, Corporate Secretary & PMO has carried out his duties and
tugas dan tanggung jawabnya melalui sejumlah kegiatan, seperti: responsibilities through a number of activities, such as:
1. Menyusun buku Laporan Tahunan dan Laporan Berkelanjutan 1. Prepare the 2023 Annual Report and Sustainability Report;
2023;
2. Mengorganisasikan dan mendokumentasikan RUPS Tahunan 2. Organize and document the 2023 Annual GMS on May 31,
tahun buku 2023 pada tanggal 31 Mei 2024; 2024;
3. Menyampaikan laporan berkala serta keterbukaan informasi 3. Submit periodic reports and information disclosure to the OJK
kepada OJK dan BEI sesuai dengan ketentuan dan peraturan and IDX in accordance with applicable rules and regulations
yang berlaku terkait Pasar Modal dengan tepat waktu; relating to the Capital Market in a timely manner;
4. Mengorganisasikan rapat Direksi, rapat Dewan Komisaris, 4. Organize Board of Directors meetings, Board of Commissioners
rapat Gabungan Dewan Komisaris dan Direksi, Rapat Komite meetings, Joint Board of Commissioners and Directors
Audit dan Komite Pemantau Risiko serta membuat dan meetings, Audit Committee and Risk Oversight Committee
mengadministrasikan risalah rapat dan daftar hadirnya; meetings as well as preparing and administering minutes of
meetings and attendance lists;
5. Mengawasi proses registrasi pemegang saham Perseroan 5. Supervise the Company’s shareholder registration process
yang dilakukan oleh Biro Administrasi Efek yang ditunjuk serta carried out by the appointed Securities Administration Bureau
melaporkan perubahannya kepada Direksi dan regulator; and report changes to the Board of Directors and regulators;
6. Menyusun serta menerapkan berbagai kebijakan dan prosedur 6. Develop and implement various policies and procedures related
terkait komunikasi korporat, transparansi & pengungkapan to corporate communications, transparency & continuous
informasi berkelanjutan dan Tata Kelola Perusahaan yang Baik; information disclosure and good corporate governance;
2024 Annual Report & Sustainability Report
403
Page 406
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
7. Memperbarui data informasi korporasi yang dimuat dalam situs 7. Update corporate information data contained on the Company’s
web Perseroan, terutama terkait Tata Kelola dan Hubungan website, especially regarding Governance and Investor
Investor (Investor Relation), dalam rangka meningkatkan kualitas Relations, in order to improve the quality and ease of access
serta kemudahan akses keterbukaan informasi Perseroan bagi to Company information disclosure for shareholders, the public
pemegang saham, publik dan seluruh pemangku kepentingan; and all stakeholders;
8. Memberikan informasi terkini kepada Direksi dan Dewan 8. Provide the latest information to the Company’s Directors and
Komisaris Perseroan terkait saham Perseroan serta peraturan Board of Commissioners regarding the Company’s shares as
peraturan terkait pasar modal yang diterbitkan oleh OJK dan well as regulations related to the capital market issued by the
BEI; OJK and BEI;
9. Menyusun dan mengusulkan rencana kerja Sekretaris 9. Prepare and propose work plans for the Corporate Secretary
Perusahaan & PMO kepada Direksi Perseroan; & PMO to the Company’s Directors;
10. Bekerja sama dengan unit-unit terkait dalam menyelenggarakan 10. Cooperate with related units in organizing orientation programs
program orientasi bagi para anggota Direksi dan Dewan for new members of the Board of Directors and Board of
Komisaris baru; Commissioners;
11. Menyelenggarakan Paparan Publik Tahunan pada tanggal 11. Organize an Annual Public Expose on December 20, 2024, as
20 Desember 2024, serta melakukan dokumentasi yang well as carry out documentation required by applicable rules
dipersyaratkan oleh peraturan dan ketentuan yang berlaku and regulations related to the Capital Market.
terkait Pasar Modal.
Satuan Kerja Audit Internal Internal Audit Unit
Allo Bank memiliki Satuan Kerja Audit Internal (SKAI) sebagai third Allo Bank has an Internal Audit Work Unit (SKAI) as the third line of
line of defense yang memiliki tugas dan tanggung jawab untuk defense that has the task and responsibility to carry out the internal
menjalankan fungsi audit internal di Bank secara berkesinambungan. audit function in the Bank on an ongoing basis. SKAI is tasked with
SKAI bertugas sebagai penjaminan (assurance) dalam mengevaluasi providing assurance in evaluating the governance process, risk
proses tata kelola, pengelolaan risiko dan efektivitas pengendalian management and effectiveness of internal control in all aspects of
internal pada semua aspek kegiatan Bank melalui pendekatan the Bank's activities through a risk-based approach. In addition, SKAI
berbasis risiko. Selain itu, SKAI juga bertugas sebagai fungsi also serves as a consultative function to provide input on internal
konsultatif untuk memberikan masukan atas pengendalian internal control to other divisions, such as providing recommendations or
kepada divisi lainnya, seperti pemberian rekomendasi atau saran suggestions for improvement in various examinations carried out,
perbaikan dalam berbagai pemeriksaan yang dilakukan, masukan input on draft policies or procedures, input on Bank initiatives,
atas draft kebijakan atau prosedur, masukan atas inisiatif Bank, and others.
dan lainnya.
Dasar Hukum Legal Basis
1. Peraturan OJK No. 17 Tahun 2023 tentang Penerapan Tata 1. OJK Regulation No. 17 of 2023 concerning the Implementation
Kelola bagi Bank Umum. of Governance for Conventional Bank.
2. Peraturan OJK No. 1/POJK.03/2019 tentang Penerapan Fungsi 2. OJK Regulation No. 1/POJK.03/2019 concerning the
Audit Internal pada Bank Umum. Implementation of Internal Audit Function in Conventional Bank.
3. Peraturan OJK No. 56/POJK.04/2015 tentang Pembentukan 3. OJK Regulation No. 56/POJK.04/2015 concerning the
dan Pedoman Penyusunan Piagam Unit Audit Internal. Establishment and Guidelines for Drafting Internal Audit Unit
Charters.
Pihak yang Mengangkat dan Memberhentikan Kepala Appointment and Dismissal of Head of SKAI
SKAI
Direktur Utama dapat mengangkat dan memberhentikan Kepala President Director may appoint and dismiss the Head of SKAI after
SKAI setelah mendapat persetujuan Dewan Komisaris dengan obtaining approval from the Board of Commissioners by considering
mempertimbangkan rekomendasi Komite Audit untuk selanjutnya the recommendations of the Audit Committee to be subsequently
dilaporkan kepada Otoritas Jasa Keuangan (OJK). reported to the Financial Services Authority (OJK).
404 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 407
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Struktur dan Kedudukan SKAI Structure and Position of SKAI
Satuan Kerja Audit Internal Allo Bank dipimpin oleh Kepala SKAI Allo Bank’s Internal Audit Work Unit is led by the Head of SKAI
yang bertanggung jawab langsung kepada Direktur Utama who reports directly to the President Director and has direct
dan memiliki akses komunikasi langsung kepada Komite Audit. communication access to the Audit Committee. The Head of SKAI
Kepala SKAI membawahi Audit Non-Digital, Audit Digital dan Audit oversees Non-Digital Audit, Digital Audit, Information Technology
Information Technology. Hingga 31 Desember 2024, Satuan Kerja Audit and Fraud Management. As of December 31, 2024, SKAI Allo
Audit Internal Bank beranggotakan 10 (sepuluh) orang, termasuk Bank has 9 (nine) members, including the Head of SKAI.
Kepala SKAI.
Piagam Audit Internal Internal Audit Charter
Internal Audit memiliki Piagam Audit Internal (Internal Audit Charter) Internal Audit has an Internal Audit Charter ratified by the President
yang disahkan oleh Direktur Utama dan Komisaris Utama yang Director and President Commissioner which was lastly updated
terakhir kali dimutakhirkan pada tanggal 21 Oktober 2024. Piagam on October 21, 2024. The Internal Audit Charter was established
Audit Internal (Internal Audit Charter) dibentuk dengan mengacu with reference to OJK Regulation No. 56/POJK.04/2015 dated
kepada Peraturan OJK No. 56/POJK.04/2015 tanggal 23 Desember December 23, 2015 concerning the Establishment and Guidelines
2015 tentang Pembentukan dan Pedoman Penyusunan Piagam for the Preparation of Internal Audit Charters and OJK Regulation
Audit Internal dan Peraturan OJK No. 1/POJK.03/2019 tanggal No. 1/POJK.03/2019 dated January 28, 2019 concerning the
28 Januari 2019 tentang Penerapan Fungsi Audit Internal pada Implementation of Internal Audit Functions in Conventional Bank.
Bank Umum.
Piagam Audit Internal (Internal Audit Charter) memberikan pedoman The Internal Audit Charter provides guidelines regarding the
mengenai tujuan, kedudukan, wewenang, tanggung jawab dan objectives, position, authority, responsibilities and scope of internal
ruang lingkup pekerjaan internal audit yang dinyatakan secara audit work which are formally stated in the Internal Audit Charter in
formal dalam Piagam Audit Internal (Internal Audit Charter) sesuai accordance with OJK Regulation No. 1/POJK.03/2019 concerning
dengan Peraturan OJK No. 1/POJK.03/2019 tentang Penerapan the Implementation of Internal Audit Functions in Conventional
Fungsi Audit Intern pada Bank Umum. Bank.
Kepala SKAI dan Dasar Pengangkatan Head of SKAI and Basis for Appointment
Allo Bank melalui Direksi menunjuk Dani Bayu Angkat sebagai Allo Bank, through the Board of Directors, appointed Dani Bayu as
Kepala SKAI berdasarkan Surat Keputusan No. 062/DIRAB/22 Head of SKAI based on Decree No. 062/DIRAB/22 dated August 22,
tanggal 22 Agustus 2022 yang telah disampaikan kepada OJK 2022 which was submitted to OJK via letter No. 150/DIR-BISREG/
melalui surat No. 150/DIR-BIS-REG/22 tanggal 30 Agustus 2022. 22 dated August 30, 2022.
2024 Annual Report & Sustainability Report
405
Page 408
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Dani Bayu
Angkat Kewarganegaraan
Citizenship
Indonesia
Indonesian
Kepala SKAI Usia 40 tahun
Age 40 years old
Head of SKAI
Kelahiran Medan, 4 April 1985
Place of Birth Medan, April 4, 1985
Domisili Bogor, Jawa Barat
Domicile Bogor, West Java
Riwayat Pendidikan • Lulus dari Institut Pertanian Bogor (IPB) pada tahun 2007
Educational Background • Melanjutkan pendidikan di Universitas Indonesia (UI)
dan memperoleh gelar Magister Sains -Manajemen
Perbankan pada tahun 2013.
• Graduated from Bogor Agricultural Institute in 2007 and
continued his education at the University of Indonesia
• Obtaining a Master of Science degree in Banking
Management in 2013.
Riwayat Pekerjaan Dani Bayu Angkat bergabung dengan Allo Bank sebagai
Employment History Kepala SKAI sejak Agustus 2022. Sebelumnya beliau
menjabat sebagai Head of Anti Fraud Management &
Investigation di QNB Indonesia sejak September 2021. Beliau
memulai kariernya di Bank Danamon Indonesia sebagai
Credit Risk Control (2007 - 2009), Fraud Prevention (2009-
2011) dan QA Manager (2011 - 2012). Beliau pernah berkarir
di Panin Bank sebagai Audit Team Leader (2012 - 2017)
dan IBS Tower sebagai Head of Anti Fraud (2017 - 2020),
kemudian berkarier di fintech P2P Akseleran sebagai Audit
Manager (2020 - 2021).
Dani Bayu Angkat joined Allo Bank as Head of SKAI in
August 2022. Previously, he served as Head of Anti Fraud
Management & Investigation at QNB Indonesia since
September 2021. He began his career at Bank Danamon
Indonesia as Credit Risk Control (2007 - 2009), Fraud
Prevention (2009 - 2011), and QA Manager (2011 - 2012). He
worked at Panin Bank as Audit Team Leader (2012 - 2017)
and at IBS Tower as Head of Anti Fraud (2017 - 2020), then
pursued a career in the fintech P2P Akseleran as Audit
Manager (2020 - 2021).
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan
Affiliation Relationship Komisaris dan Direksi dan Pemegang Saham Pengendali
No affiliation relationship with members of the Board of
Commissioners and Directors and Controlling Shareholders
406 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 409
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tugas dan tanggung jawab Satuan Kerja Audit Internal Duties and Responsibilities of Internal Audit Unit
Fungsi SKAI adalah memberikan jasa assurance dan consulting The function of the SKAI is to provide independent and objective
yang independen dan objektif guna memberikan nilai tambah dan assurance and consulting services to add value and improve the
perbaikan operasional Bank, antara lain: operational performance of the bank, including:
1. Membantu tugas Direktur Utama dan Dewan Komisaris 1. Assisting the President Director and Board of Commissioners
dalam melakukan pengawasan dengan cara menjabarkan in their oversight role by operationalizing the planning,
secara operasional baik perencanaan, pelaksanaan, maupun implementation, and monitoring of audit results.
pemantauan hasil audit.
2. Menyusun dan melaksanakan rencana Audit Internal tahunan. 2. Develop and implement the annual Internal Audit plan.
3. Menguji dan mengevaluasi pelaksanaan pengendalian 3. Test and evaluate the implementation of internal control and risk
internal dan sistem manajemen risiko sesuai dengan kebijakan management systems in accordance with company policies.
perusahaan.
4. Melakukan pemeriksaan dan penilaian atas efisiensi dan 4. Examine and assess the efficiency and effectiveness in
efektivitas di bidang keuangan, akuntansi, operasional, sumber finance, accounting, operations, human resources, marketing,
daya manusia, pemasaran, teknologi informasi, dan kegiatan information technology, and other activities.
lainnya.
5. Memberikan saran perbaikan dan informasi yang objektif 5. Provide suggestions for improvement and objective information
tentang kegiatan yang diperiksa pada semua tingkat about the activities examined at all levels of management.
manajemen.
6. Membuat laporan hasil audit dan menyampaikan laporan 6. Prepare an audit report and submit the report to the President
tersebut kepada direktur utama dan Dewan Komisaris. Director and the Board of Commissioners.
7. Memantau, menganalisis dan melaporkan pelaksanaan tindak 7. Monitor, analyze and report on the implementation of follow-up
lanjut perbaikan yang telah disarankan. improvements that have been suggested.
8. Bekerja sama dengan Komite Audit. 8. Cooperate with the Audit Committee.
9. Menyusun program untuk mengevaluasi mutu kegiatan audit 9. Develop a program to evaluate the quality of the internal audit
internal yang dilakukannya. activities it performs.
10. Melakukan pemeriksaan khusus apabila diperlukan. 10. Conduct special examinations if necessary.
Sertifikasi Profesi Professional Certification
Dalam rangka memastikan seluruh auditor Bank memiliki kualifikasi To ensure that all Bank auditors have adequate qualifications and
dan kompetensi yang memadai, Allo Bank senantiasa memfasilitasi competencies, Allo Bank always facilitates Internal Auditors to
Auditor Internal untuk mengikuti program sertifikasi. Program participate in certification programs. This certification program
sertifikasi ini ditujukan agar dapat memastikan kualitas audit yang is intended to ensure optimal audit quality in accordance with
optimal sesuai dengan ketentuan yang berlaku. Adapun sertifikasi applicable regulations. The certifications that have been owned
yang telah dimiliki oleh Auditor Allo Bank hingga tahun 2024 by Allo Bank Auditors until 2024 are as follows:
adalah sebagai berikut:
Tabel Sertifikasi Profesi Auditor Perseroan Tahun 2024
Table of the Company’s Auditor Professional Certification for 2024
Sertifikasi Total
No. Certification Total
1. Sertifikasi Manajemen Risiko 10
Risk Management Certification
2. Lead Auditor ISO 27001:2022 1
3. Auditor ISO 27001:2022 2
4. Audit Intern Bank - Auditor 2
5. CAFM - Anti Fraud 1
2024 Annual Report & Sustainability Report
407
Page 410
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Peningkatan Kompetensi SKAI Competency Development of SKAI Selain mengikuti program sertifikasi, Auditor Internal senantiasa In addition to participating in certification programs, Internal mengikuti pelatihan atau program pengembangan kompetensi Auditors always participate in training or competency development untuk menunjang dan mengoptimalkan peran serta fungsi Audit programs to support and optimize the role and function of Internal Internal. Informasi terkait program peningkatan kompetensi yang Audit. Information related to the competency improvement program dilakukan oleh Kepala SKAI pada tahun 2024 dapat dilihat pada conducted by the Head of SKAI in 2024 can be seen in the Bab Profil Perusahaan dalam Laporan Tahunan ini. Company Profile Chapter in this Annual Report. Laporan Pelaksanaan Tugas SKAI SKAI Task Implementation Report Sepanjang tahun 2024, SKAI telah menyelesaikan 14 penugasan Throughout 2024, SKAI completed 14 audit assignments consisting audit yang terdiri dari audit reguler maupun audit atas permintaan of regular audits and audits on additional requests from management tambahan dari manajemen dengan pencapaian realisasi audit with an achievement of 100% audit realization in 2024. Following tahun 2024 adalah 100%. Atas audit yang telah dilakukan, SKAI the audit, SKAI provided recommendations and all overdue audit memberikan rekomendasi dan seluruh rekomendasi audit yang recommendations were followed up in a timely manner. Selain telah jatuh tempo telah ditindaklanjuti dengan tepat waktu. Atas itu, SKAI monitors a total of 70 follow-up audit results, of which audit yang telah dilakukan, SKAI melakukan monitoring sejumlah 70 43 have been followed up and the remaining 27 are not due on tindak lanjut hasil audit, dimana terdapat 43 sudah dilakukan tindak December 31, 2024. lanjut dan sisanya 27 belum jatuh tempo pada 31 Desember 2024. Tinjauan dan Hasil Penelitian SKAI atas Efektivitas Sistem Review and Results of SKAI Research on Effectiveness of Pengendalian Internal Internal Control System Sebagai third lines of defense, SKAI bertugas untuk melakukan As the third line of defense, SKAI is tasked with examining the pemeriksaan terhadap efektivitas sistem pengendalian internal effectiveness of the internal control system through risk-based melalui kegiatan audit berbasis risiko yang tertuang dalam Program audit activities contained in the 2024 Annual Audit Work Program Kerja Audit Tahunan 2024 yang telah disetujui oleh Direktur approved by the President Director and the Board of Commissioners Utama dan Dewan Komisaris berdasarkan rekomendasi Komite based on the recommendations of the Audit Committee. Based Audit. Berdasarkan hasil pemeriksaan terhadap efektivitas sistem on the results of the examination of the effectiveness of the Bank's pengendalian internal Bank, SKAI menyimpulkan bahwa sistem internal control system, SKAI concluded that the Bank's internal pengendalian internal Bank telah memadai untuk memitigasi risiko control system is adequate to mitigate risks that could significantly yang secara signifikan dapat mengganggu operasional Bank, disrupt the Bank's operations, although there are still several aspects walaupun masih terdapat beberapa aspek pengendalian yang of control that need to be improved so that internal control becomes perlu ditingkatkan sehingga pengendalian internal menjadi lebih more effective and efficient. efektif dan efisien. Rencana Kerja Audit Tahun 2025 The 2025 Audit Work Plan SKAI telah menyusun Rencana Kerja Audit Tahun 2025 dengan SKAI has developed the 2025 Audit Work Plan by considering the mempertimbangkan strategi dan Rencana Bisnis Bank untuk satu Bank's strategy and Business Plan for the coming year. The 2025 tahun mendatang. Rencana Kerja Audit Tahun 2025 menggunakan Audit Work Plan uses a risk-based audit approach with a focus pendekatan audit berbasis risiko dengan fokus pengawasan on monitoring all of the Bank's operational activities. To realize its seluruh kegiatan operasional Bank. Untuk merealisasikan rencana work plan, SKAI will continue to improve auditor competencies, kerjanya, SKAI akan terus melakukan peningkatan kompetensi develop methodologies and optimize audit tools such as the Audit auditor, pengembangan metodologi serta optimalisasi alat bantu Management System (AMS). Based on these considerations, SKAI audit seperti Audit Management System (AMS). Berdasarkan has established a number of audit work plans in 2025 by planning pertimbangan-pertimbangan tersebut, SKAI telah menetapkan 13 regular audit assignments. sejumlah rencana kerja audit di tahun 2025 dengan merencanakan 13 penugasan audit reguler. 408 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 411
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Fungsi
Kepatuhan Compliance Function
Fungsi kepatuhan Allo Bank dibentuk sebagai Allo Bank's compliance function was formed as
bagian dari serangkaian tindakan atau langkah part of a series of preventive actions or steps
preventif untuk memastikan bahwa kebijakan, to ensure that policies, provisions, systems,
ketentuan, sistem, dan prosedur, serta kegiatan and procedures, as well as business activities
usaha yang dilakukan oleh Bank telah sesuai carried out by the Bank are in accordance
dengan ketentuan dan peraturan perundang- with applicable laws and regulations. As
undangan yang berlaku. Serta memastikan well as ensuring the Bank's compliance with
kepatuhan Bank terhadap komitmen yang the commitments made by the Bank to the
dibuat Bank kepada Regulator dan/atau otoritas Regulator and/or other authorized supervisory
pengawas lain yang berwenang. authorities.
Kondisi bisnis perbankan yang terus berkembang The ever-evolving banking business conditions
membuat Bank turut dihadapkan oleh have also put the Bank in a position against
penambahan eksposur risiko. Perkembangan the increasing risk exposure. These conditions
kondisi ini mengharuskan Bank untuk melakukan require the Bank to make preventive (ex-ante)
upaya preventif (exante) maupun kuratif (ex- and curative (ex-post) efforts to mitigate these
post) untuk memitigasi risiko tersebut. Untuk itu, risks. To that end, the Bank has formed a
Bank membentuk Satuan Kerja Kepatuhan yang Compliance Work Unit tasked with carrying
bertugas untuk menjalankan fungsi kepatuhan out the compliance function to ensure that risk
guna memastikan eksposur risiko dalam exposure in the Bank's business activities can be
kegiatan usaha Bank dapat ditekan melalui reduced through preventive (ex-ante) actions.
tindakan yang bersifat preventif (ex-ante).
In implementing the compliance function,
Dalam menerapkan fungsi kepatuhan, Allo Allo Bank refers to OJK Regulation No. 46/
Bank mengacu pada Peraturan OJK No. 46/ POJK.03/2017 concerning the Implementation
POJK.03/2017 tentang Pelaksanaan Fungsi of the Compliance Function of Conventional
Kepatuhan Bank Umum. Saat ini Allo Bank Bank. Currently, Allo Bank has a policy of
telah memiliki kebijakan dari standar prosedur standard compliance procedures that outlines
kepatuhan yang menjabarkan tugas dan the duties and responsibilities of the Compliance
tanggung jawab Satuan Kerja Kepatuhan dalam Work Unit in carrying out the compliance
menjalankan fungsi kepatuhan. function.
Struktur Organisasi Fungsi Kepatuhan Compliance Function Structure
Pembentukan Satuan Kerja Kepatuhan The establishment of the Compliance Work
selaku pelaksana fungsi kepatuhan Bank Unit as the executor of the Bank's compliance
telah ditetapkan melalui SK Direksi No. 101/ function has been determined through
DIRAB/24 tanggal 19 Desember 2024 tentang the Decree of the Board of Directors No.
Perubahan Struktur Organisasi (Januari 2025) 101/DIRAB/24 dated December 19, 2024
PT Allo Bank Indonesia Tbk. Satuan Kerja concerning Changes to the Organizational
Kepatuhan bertanggung jawab langsung Structure (January 2025) of PT Allo Bank
kepada Direktur yang membawahkan fungsi Indonesia Tbk. The Compliance Work Unit is
kepatuhan. Penunjukan dan pengangkatan directly responsible to the Director in charge
Direktur yang membawahkan fungsi kepatuhan of the compliance function. The appointment
telah memenuhi persyaratan yang berlaku dan and promotion of the Director in charge of the
dilaksanakan melalui proses sebagaimana compliance function has met the applicable
ditentukan oleh OJK. requirements and is carried out through a
process as determined by the OJK.
2024 Annual Report & Sustainability Report
409
Page 412
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Struktur Organisasi Satuan Kerja Kepatuhan
Compliance Function Organizational Structure
Risk, Compliance & Legal Director
Compliance & AML CTF Head
Compliance Monitoring &
Compliance Advisory Coordinator Officer AML & CTF
Testing
Officer Transaction
Officer Advisory
Monitoring & Reporting
Satuan Kerja Kepatuhan Compliance Work Unit
Unit yang berperan sebagai Satuan Kerja Kepatuhan (SKK) di The unit that acts as the Compliance Work Unit (SKK) at Allo Bank
Allo Bank bertanggung jawab langsung kepada Direktur yang is directly responsible to the Director in charge of risk, compliance
membawahkan risiko, kepatuhan dan hukum adalah Compliance and law is the Compliance & AML CTF Division.
& AML CTF Division.
Dalam peranya sebagai Satuan Kerja Kepatuhan tugas dan In its role as the Compliance Work Unit, the duties and responsibilities
tanggung jawab dari Compliance & AML CTF Division, adalah of the Compliance & AML CTF Division are as follows:
sebagai berikut:
1. Mewujudkan terlaksananya budaya kepatuhan pada semua 1. Establish a compliance culture at all levels of the organization
tingkatan organisasi dan kegiatan usaha Bank. and the Bank’s business activities.
2. Mengelola risiko kepatuhan yang dihadapi oleh Bank. 2. Manage compliance risks faced by the Bank.
3. Memastikan agar kebijakan, ketentuan, sistem, dan prosedur 3. Ensure that the policies, regulations, systems, and procedures,
serta kegiatan usaha yang dilakukan oleh Bank telah sesuai as well as the business activities conducted by the Bank,
dengan ketentuan Otoritas Jasa Keuangan dan ketentuan comply with the Financial Services Authority regulations and
peraturan perundang-undangan. the provisions of laws and regulations.
4. Memastikan kepatuhan Bank terhadap komitmen yang dibuat 4. Ensure the Bank’s compliance with commitments made by the
oleh Bank kepada Otoritas Jasa Keuangan dan/atau otoritas Bank to the Financial Services Authority and/or other authorized
pengawas lain yang berwenang. supervisory authorities.
5. Mengkoordinasi penerapan program Anti Pencucian Uang, 5. Coordinate the implementation Anti Money Laundering,
Pencegahan Pendanaan Terorisme dan Pencegahan Counter-Terrorist Financing and Counter-Proliferation
Pendanaan Proliferasi Senjata Pemusnah Massal (APU, PPT, Financing of Weapons of Mass Destruction program, including
dan PPPSPM), termasuk di dalamnya bertanggung jawab untuk being responsible for conducting risk assessments for the
melakukan penilaian risiko penerapan program APU, PPT, dan implementation of the AML-CFT & CPF programs in accordance
PPPSPM sesuai ketentuan dari regulator. with the provisions of the regulator.
Pelaksanaan Kegiatan Fungsi Kepatuhan Implementation of Compliance Function Activities
Di tahun 2024, fungsi kepatuhan telah melaksanakan tugasnya In 2024, the compliance function has carried out its duties through
melalui sejumlah kegiatan, di antaranya: a number of activities, including:
1. Melakukan pemantauan terhadap pelaksanaan aktivitas 1. Monitoring the implementation of the bank's business and
bisnis dan operasional bank, untuk memastikan bahwa bank operational activities, to ensure that the bank complies with
mematuhi peraturan dan ketentuan. the rules and regulations.
2. Atas ketentuan terbaru/regulasi yang baru terbit Bank 2. The Bank disseminates, analyzes and gap analyzes the latest
melakukan diseminasi, analisa dan gap analisis. Satuan provisions/newly issued regulations. The compliance work
kerja kepatuhan membandingkan regulasi terbaru dengan unit compares the latest regulations with internal policies and
410 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 413
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
kebijakan internal dan mengusulkan dan/atau menyusun proposes and/or prepares internal provisions to be able to
ketentuan internal untuk dapat memenuhi regulasi terbaru comply with the latest regulations. Then circulates every new
tersebut. Kemudian mensirkulasikan setiap ketentuan baru provision from the Regulator (OJK, Bank Indonesia, PPATK,
dari Regulator (OJK, Bank Indonesia, PPATK, dan peraturan and other applicable laws and regulations) periodically to all
perundang-undangan lainnya yang berlaku) secara berkala levels of the organization.
ke semua jenjang organisasi.
3. Menghadiri sosialisasi dan training yang diadakan oleh 3. Attending dissemination and training held by the relevant
Regulator terkait maupun pihak eksternal lainnya terkait regulasi Regulator or other external parties regarding the latest
terkini dan hal-hal lain terkait kepatuhan. regulations and other matters related to compliance.
4. Menginisiasi sosialisasi ketentuan dengan unit kerja terkait di 4. Initiating dissemination of provisions with related work units
lingkungan bank. within the bank.
5. Menyelenggarakan acara seminar untuk ruang lingkup 5. Organizing seminars for the internal scope of the bank and
internal bank dan Kelompok Usaha Bank (KUB) dalam Bank Business Groups (KUB) in order to increase compliance
rangka meningkatkan compliance & risk awareness dengan & risk awareness by inviting external speakers who are experts
mengundang pembicara eksternal yang ahli di bidangnya in their fields to provide materials and socialization.
untuk memberikan materi dan sosialisasi.
6. Melaksanakan Security Awareness Training yang merupakan 6. Implementing Security Awareness Training which is one of the
salah satu dari Cyber Risk Program dengan melaksanakan Cyber Risk
Programs by implementing training through media
training melalui media platform yang diikuti oleh seluruh platforms attended by all bank employees.
karyawan bank.
7. Untuk memberikan pemahaman mengenai internal bank, 7. Providing an understanding of the bank's internal affairs,
termasuk menumbuhkan compliance & risk awareness bagi including fostering compliance & risk awareness for new
karyawan baru di bank terdapat program “induction training”. employees at the bank, there is an "induction training" program.
Dalam program ini, karyawan baru diberikan pemahaman In this program, new employees are given an understanding of
mengenai compliance dan penerapan APU PPT & PPPSPM. compliance and the implementation of APU PPT & PPPSPM.
8. Diskusi secara langsung dengan divisi/unit kerja terkait 8. Direct discussions with divisions/work units related to
peraturan, ketentuan, dan pemenuhan komitmen kepada regulations, provisions, and fulfillment of commitments to
regulator. regulators.
9. Satuan kerja kepatuhan berperan sebagai Liaison Officer atau 9. The compliance work unit acts as a Liaison Officer or liaison,
penghubung, mengkoordinasikan antara regulator dengan coordinating between regulators and related sections in the
bagian-bagian terkait di bank dalam rangka pengawasan bank bank in the context of bank supervision, including data requests
antara lain permintaan data serta monitoring pemenuhannya and monitoring their fulfillment and matters that need to be
dan hal-hal yang perlu untuk dikoordinasikan/dikonsultasikan coordinated/consulted and require discussion with regulators.
serta memerlukan diskusi dengan regulator.
10. Sehubungan dengan memastikan terlaksananya Fungsi 10. In connection with ensuring the implementation of the Bank's
Kepatuhan Bank, Direksi dan Dewan Komisaris senantiasa Compliance Function, the Board of Directors and Board of
melakukan pengawasan terhadap pelaksanaan Fungsi Commissioners always supervise the implementation of the
Kepatuhan yang antara lain dilakukan melalui mekanisme Compliance Function, which is carried out through the following
sebagai berikut: mechanisms:
a. Laporan pelaksanaan tugas dan tanggung jawab satuan a. Report on the implementation of the duties and
kerja kepatuhan kepada Direktur Kepatuhan (bulanan). responsibilities of the compliance work unit to the Director
of Compliance (monthly).
b. Laporan pelaksanaan tugas dan tanggung jawab Direktur b. Report on the implementation of the duties and
Kepatuhan kepada Direktur Utama dengan tembusan responsibilities of the Compliance Director to the President
kepada Dewan Komisaris (triwulanan). Director with a copy to the Board of Commissioners
(quarterly).
c. Komunikasi berkala melalui forum rapat Direksi, rapat c. Periodic communication through the Board of Directors
Dewan Komisaris, rapat gabungan Direksi dan Dewan meeting forum, Board of Commissioners meeting, and
Komisaris. the Board of Directors and Board of Commissioners joint
meeting.
2024 Annual Report & Sustainability Report
411
Page 414
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
11. Melakukan pengujian atas aspek kepatuhan terhadap peraturan 11. Conducting tests on aspects of compliance with regulatory
regulator secara bank wide untuk mengetahui dan mengukur regulations on a bank-wide basis to determine and measure the
tingkat kepatuhan unit kerja dalam melakukan aktivitasnya dan level of compliance of work units in carrying out their activities
kesesuaiannya terhadap peraturan serta mengantisipasi dan and their compliance with regulations as well as anticipating
menghindari adanya risiko pelanggaran terhadap peraturan and avoiding any risk of violation of Regulator regulations that
Regulator yang mungkin ada pada unit kerja. may exist in the work unit.
12. Memberikan opini terhadap penyusunan dan/atau rancangan 12. Providing opinions on the preparation and/or design of internal
kebijakan dan prosedur internal, pemberian kredit, serta policies and procedures, credit provision, and conducting
melakukan kajian atas aktivitas dan/atau produk baru bank. studies on new bank activities and/or products.
13. Secara berkala menyampaikan reminder atas kewajiban 13. Periodically conveying reminders on the bank's reporting
pelaporan bank kepada unit kerja terkait, untuk memastikan obligations to related work units, to ensure that the bank fulfills
bahwa bank memenuhi kewajiban pelaporan secara tepat reporting obligations in a timely manner.
waktu.
14. Memastikan kepatuhan bank terhadap komitmen dengan 14. Ensuring the bank's compliance with commitments to regulators.
regulator.
Akuntan
Publik Public Accountant
Kepatuhan terhadap Standar Compliance with Indonesian Financial
Akuntansi Keuangan Indonesia Accounting Standards
Fungsi Audit Eksternal diimplementasikan The External Audit Function is carried out by
melalui pelaksanaan audit Laporan Keuangan a Public Accounting Firm, which audits the
Bank oleh Kantor Akuntan Publik untuk Bank’s Financial Statements to ensure they
memastikan bahwa informasi keuangan are accurately prepared and presented. This
dimaksud disusun dan disajikan secara process involves forming and expressing
berkualitas, membentuk dan menyatakan an opinion on the fairness of the financial
pendapat atas kewajaran Laporan Keuangan statements, evaluating internal controls, and
Bank, serta menguji pengendalian internal, reviewing areas already assessed by Internal
termasuk melakukan pengujian kembali atas Audit. Additionally, the external audit includes
hal-hal yang sudah diuji oleh Internal Audit observing the procedures performed by Internal
dan melakukan observasi dari prosedur yang Audit to ensure their effectiveness.
dilakukan oleh Internal Audit.
Mekanisme Penunjukan Akuntan Public Accountant Appointment
Publik Mechanism
Berdasarkan POJK No. 37/POJK.03/2019 Based on POJK No. 37/POJK.03/2019
tentang Transparansi dan Publikasi Laporan concerning the Transparency and Publication
Bank dan SEOJK No. 9/SEOJK.03/2020 of Bank Repor ts and SEOJK No. 9/
tentang Transparansi dan Publikasi Laporan SEOJK.03/2020 concerning Transparency
Bank Umum Konvensional, audit atas Laporan and Publication of Conventional Conventional
Keuangan Bank untuk tahun buku 2024 telah Bank Reports, the audit of the Bank's Financial
dilakukan oleh Kantor Akuntan Publik yang Statements for the 2024 fiscal year has been
independen, kompeten, profesional, dan conducted by an independent, competent,
obyektif sesuai dengan Standar Profesional professional, and objective Public Accounting
Akuntan Publik, serta perjanjian kerja dan ruang Firm in accordance with the Public Accounting
lingkup audit yang telah ditetapkan. Professional Standards, as well as the work
agreement and audit scope that has been
determined.
412 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 415
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Berdasarkan keputusan RUPS Tahunan, Dewan Komisaris telah Based on the decision of the Annual GMS, the Board of
menyetujui penunjukan Kantor Akuntan Publik Amir Abadi Jusuf, Commissioners has approved the appointment of Public Accounting
Aryanto, Mawar & Rekan (RSM Indonesia) untuk melakukan Firm Amir Abadi Jusuf, Aryanto, Mawar & Rekan (RSM Indonesia) to
pekerjaan mengaudit Laporan Keuangan Bank tahun buku yang carry out the work of auditing the Bank's Financial Statements for
berakhir pada tanggal 31 Desember 2024. Penunjukan Kantor the financial year ending on December 31, 2024. The appointment
Akuntan Publik tersebut berdasarkan rekomendasi Komite Audit, of the Public Accounting Firm is based on the recommendation of
di mana proses pemilihannya dilakukan sesuai dengan mekanisme the Audit Committee, where the selection process is carried out
pengadaan barang dan jasa yang berlaku. Untuk menjamin in accordance with the applicable procurement mechanism for
independensi dan kualitas hasil pemeriksaan, Auditor Eksternal goods and services. To ensure the independence and quality of
yang ditunjuk tidak memiliki benturan kepentingan dengan Bank. the audit results, the appointed External Auditor has no conflict
of interest with the Bank.
Daftar Akuntan Publik 5 Tahun Terakhir dan Biayanya
List of Public Accountant for the Last 5 Years and the Fee
Tahun Kantor Akuntan Publik Akuntan Publik Biaya (Rp)
Year Public Accounting Firm Public Accountant Fee (IDR)
2024 KAP Amir Abadi Jusuf, Aryanto, Mawar & Rekan Bimo Iman Santoso, S.E., Ak., 950.000.000,-
(RSM Indonesia) CPA
2023 KAP Amir Abadi Jusuf, Aryanto, Mawar & Rekan Bimo Iman Santoso, S.E., Ak., 950.000.000,-
(RSM Indonesia) CPA
2022 KAP Kosasih, Nurdiyaman, Mulyadi, Tjahjo dan Mulyadi 480.000.000,-
Rekan (Anggota Crowe Global)
2021 KAP Kosasih, Nurdiyaman, Mulyadi, Tjahjo dan Mulyadi 352.000.000,-
Rekan (Anggota Crowe Global)
2020 KAP Kosasih, Nurdiyaman, Mulyadi, Tjahjo dan Mulyadi 320.000.000,-
Rekan (Anggota Crowe Global)
Jasa Lain yang Diberikan Other Services Provided
Di tahun 2024, Akuntan Publik tidak memberikan jasa lain selain In 2024, Public Accountant did not provide any other services,
melakukan audit atas Laporan Keuangan Bank untuk tahun-tahun other than carrying out audit on the Bank’s Financial Statements
yang berakhir pada 31 Desember 2024 dan 2023. for fiscal years ending December 31, 2024 and 2023.
2024 Annual Report & Sustainability Report
413
Page 416
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Manajemen
Risiko Risk Management
Sebagai wujud komitmen dalam menjalankan As a token of our commitment to implementing
praktik tata kelola perusahaan yang baik, Allo good corporate governance practices, Allo Bank
Bank menerapkan pengelolaan risiko terkini adopts the latest risk management principles
secara proaktif demi mencapai pertumbuhan proactively to achieve optimal financial and
keuangan maupun operasional yang optimal. operational growth. To that end, the Bank
Untuk itu, Bank menjadikan pengelolaan risiko delegates management to be responsible for the
sebagai tanggung jawab manajemen dalam risk management in ensuring the achievement
memastikan tercapainya sasaran organisasi of organizational targets by internalizing the risk
dengan melakukan internalisasi proses management process in the Bank, allowing us
manajemen risiko di Bank sehingga akan to attach it in a daily basis. In addition, the Bank
melekat pada setiap aktivitas. Di samping also implements integrated and comprehensive
itu, Bank juga menerapkan manajemen risiko risk management, so it can support the
terpadu dan komprehensif sehingga mampu achievement of performance targets and
mendukung pencapaian target kinerja dan maintain business continuity.
menjaga kelangsungan usaha.
Dengan menerapkan strategi manajemen risiko By implementing a proactive risk management
yang proaktif, Bank percaya bahwa hal tersebut strategy, the Bank believes that it can enhance
dapat meningkatkan efektivitas penggunaan the effectiveness of capital use and the level of
modal dan tingkat pengembalian modal return on capital, presenting added value for
sehingga dapat memberikan nilai tambah bagi shareholders. The Bank also pays attention to
pemegang saham. Bank juga memperhatikan the scope of risk management implementation
cakupan penilaian penerapan manajemen risiko assessment through the Bank's risk profile, both
melalui profil risiko Bank, baik penilaian inherent inherent risk assessment and risk management
risk maupun penilaian kualitas penerapan implementation quality assessment and adjusts
manajemen risiko serta menyesuaikan setiap each assessment indicator in accordance with
indikator penilaian sesuai dengan peraturan new regulations using the Risk Based Bank
yang baru dengan menggunakan konsep Risk Rating (RBBR) concept.
Based Bank Rating (RBBR).
Mekanisme pengelolaan risiko secara day to The day-to-day risk management mechanism
day dengan berdasarkan prinsip kehati-hatian based on the principle of prudence has been
telah dituangkan dalam beberapa kebijakan dan outlined in several policies and procedures,
prosedur, yang merupakan aturan acuan dalam which are reference rules in implementing risk
implementasi manajemen risiko pada seluruh management in all Bank business activities
kegiatan bisnis Bank yang meliputi kebijakan, including policies, strategies, organizations,
strategi, organisasi, sistem informasi manajemen risk management information systems, risk
risiko, pengawasan risiko, pengelolaan produk, supervision, product management, new
aktivitas baru dan Business Continuity Plan activities and Business Continuity Plan (BCP).
(BCP). Untuk menjamin tercapainya praktik To ensure the achievement of good risk
manajemen risiko yang baik pada Bank, Komite management practices in the Bank, the Risk
Pemantau Risiko dan Komite Audit berkontribusi Oversight Committee and the Audit Committee
dalam mendukung pelaksanaan tugas Dewan contribute to supporting the implementation
Komisaris. Komite Pemantau Risiko memiliki of the Board of Commissioners' duties. The
tanggung jawab dalam pemantauan dan Risk Oversight Committee is responsible for
evaluasi pelaksanaan manajemen risiko di Bank, monitoring and evaluating the implementation
sedangkan Komite Audit bertanggung jawab of risk management in the Bank, while the Audit
dalam pemantauan dan evaluasi pelaksanaan Committee is responsible for monitoring and
audit, pengendalian proses internal dan evaluating the implementation of audits, internal
pelaporan keuangan. process control and financial reporting.
414 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 417
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Gambaran Umum Manajemen Risiko General Overview of Risk Management
Sejalan dengan Peraturan Otoritas Jasa Keuangan No. 18/ In line with Financial Services Authority Regulation No. 18/
POJK.03/2016 tanggal 16 Maret 2016 tentang Penerapan POJK.03/2016 dated March 16, 2016 concerning the
Manajemen Risiko bagi Bank Umum, Allo Bank memandang Implementation of Risk Management for Conventional Bank,
perlunya untuk membangun kesadaran dan budaya manajemen Allo Bank acknowledges the urgency of raising awareness and
risiko terpadu (integrated risk culture) guna mencapai tujuan Bank establishing a culture of integrated risk management in order
jangka panjang. Fokus penerapan manajemen risiko Bank sendiri to achieve the Bank's long-term goals. In implementing the risk
lebih diutamakan pada efektivitas penerapan tata kelola dan management, the Bank has put more emphasis on the effectiveness
kerangka kerja manajemen risiko. of implementing governance and risk management frameworks.
Kerangka Manajemen Risiko Risk Management Framework
Kerangka kerja manajemen risiko Bank menetapkan pendekatan The Bank's risk management framework establishes a risk
pengelolaan risiko dan kerangka pengendalian di mana risiko management approach and control framework in which risk is
dikelola untuk mendapatkan keseimbangan antara risiko (risk) dan managed to achieve a balance between risk and return. The risk
pendapatan (return). Penerapan kerangka kerja manajemen risiko management framework is formed through the formulation of the
dilakukan melalui perumusan tingkat risiko yang akan diambil (risk level of risk to be taken (risk appetite), and risk tolerance for each
appetite), dan toleransi risiko (risk tolerance) bagi setiap jenis risiko, type of risk, the development of appropriate risk management
pengembangan kebijakan dan prosedur manajemen risiko yang policies and procedures, and the development of an integrated
berkesesuaian serta pengembangan struktur pengendalian internal internal control structure. In addition, the Bank also builds a
secara terpadu. Selain itu, Bank juga membangun budaya risiko risk culture that emphasizes the awareness of all employees of
yang menitikberatkan kesadaran seluruh pegawai akan risiko dan risk and the effectiveness of the risk management process. The
efektivitas proses manajemen risiko. Penerapan manajemen risiko implementation of risk management at Allo Bank refers to four
di Allo Bank mengacu pada empat pilar manajemen risiko, yaitu: pillars of risk management, namely:
1. Pengawasan aktif Dewan Komisaris dan Direksi. 1. Active supervision of the Board of Commissioners and Directors.
2. Kecukupan kebijakan, prosedur, dan penetapan limit 2. Adequacy of risk management policies, procedures, and
manajemen risiko. determination of limits.
3. Kecukupan proses identifikasi, pengukuran, pemantauan, dan 3. Adequacy of the process of identification, measurement,
pengendalian Risiko serta sistem informasi manajemen risiko. monitoring, and control of Risk and the risk management
information system.
4. Sistem pengendalian internal yang menyeluruh. 4. Comprehensive internal control system.
Penerapan manajemen risiko Allo Bank juga berpedoman pada The implementation of Allo Bank's risk management is also guided
dokumen-dokumen dari Basel Committee on Banking Supervision. by documents from the Basel Committee on Banking Supervision.
Struktur Organisasi dan Tata Kelola Organizational Structure and Governance
Dalam menjalankan memastikan pengelolaan risiko, Bank telah In ensuring risk management, the Bank has established a Risk
membentuk Komite Manajemen Risiko dan Komite Aset dan Liabilitas Management Committee and an Asset and Liability Committee
(ALCO) pada tingkat Direksi serta Komite Pemantau Risiko pada (ALCO) at the Board of Directors level and a Risk Oversight
tingkat Dewan Komisaris. Komite Pemantau Risiko bertanggung Committee at the Board of Commissioners level. The Risk Oversight
jawab untuk mengevaluasi keakuratan kebijakan manajemen risiko Committee is responsible for evaluating the accuracy of risk
dan implementasinya, memantau serta mengevaluasi kinerja dari management policies and their implementation, monitoring and
Komite Manajemen Risiko dan Satuan Kerja Manajemen Risiko. evaluating the performance of the Risk Management Committee and
Komite Manajemen Risiko menetapkan strategi, kebijakan, dan the Risk Management Work Unit. The Risk Management Committee
prosedur manajemen risiko, serta memantau implementasinya, establishes risk management strategies, policies, and procedures,
mengembangkan budaya pengelolaan risiko, dan memastikan and monitors their implementation, develops a risk management
sumber daya yang memadai telah dikembangkan untuk memastikan culture, and ensures that adequate resources have been developed
pengelolaan risiko di Allo Bank. Sementara, ALCO bertanggung to ensure risk management at Allo Bank. Meanwhile, ALCO is
jawab untuk mengelola modal dan menetapkan kebijakan terkait responsible for managing capital and establishing policies related
dengan pengelolaan neraca dan kepatuhan terhadapnya, termasuk to balance sheet management and compliance with it, including
di dalamnya manajemen risiko likuiditas, kecukupan modal, dan liquidity risk management, capital adequacy, and interest rate risk.
risiko suku bunga.
2024 Annual Report & Sustainability Report
415
Page 418
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Jenis Risiko Types of Risk Sesuai aturan POJK No. 18/POJK.03/2016 dan SEOJK No. 34/ In accordance with POJK No. 18/POJK.03/2016 and SEOJK SEOJK.03/2016 tentang Penerapan Manajemen Risiko bagi Bank No. 34/SEOJK.03/2016 concerning the Implementation of Risk Umum, Allo Bank mengelola risiko berdasarkan aktivitas fungsional Management for Conventional Bank, Allo Bank manages risks Bank yang terdiri dari: based on the Bank's functional activities consisting of: Risiko Kredit Credit Risk Risiko Kredit adalah risiko yang timbul sebagai akibat kegagalan Credit Risk is the risk that arises as a result of the counterparty's counterparty memenuhi liabilitasnya. Bank melakukan pengelolaan failure to fulfill its obligations. The Bank manages credit risk by risiko kredit dengan menyusun strategi dan kerangka kerja serta developing strategies and frameworks and implementing risk menjalankan upaya mitigasi risiko atas aspek bisnis perkreditan mitigation efforts for aspects of micro, retail, commercial, and mikro, retail, komersial, maupun konsumsi, penempatan antar-bank consumer credit businesses, inter-bank placements and purchases serta pembelian surat berharga. Bank memiliki aktivitas perkreditan of securities. The Bank has credit activities through digital credit melalui model bisnis kredit digital, seperti Paylater dan Instant Cash. business models, such as Paylater and Instant Cash. The Bank Bank menerapkan proses risk management mulai dari identifikasi, implements a risk management process, starting from identification, pengukuran, pemantauan hingga pengendalian risiko kredit untuk measurement, monitoring to control of credit risk that is managed dapat dikelola dengan tepat dan efektif. appropriately and effectively. Bank menyadari bahwa dengan mengubah model bisnis menjadi The Bank realizes that by changing the business model to digital, the digital, risiko yang melekat pada aktivitas perkreditan yang berbasis risks inherent in credit activities based on digital platforms will arise, platform digital akan timbul, mulai dari akses calon debitur yang starting from wider access for prospective debtors because they lebih luas karena dapat diakses oleh calon debitur kapanpun dan can be accessed by prospective debtors anytime and anywhere. dimanapun. Selain itu platform digital membutuhkan verifikasi calon In addition, digital platforms require more accurate verification of debitur dan dokumen persyaratan yang lebih akurat akibat tidak prospective debtors and required documents due to the absence of adanya tatap muka langsung dengan calon debitur dan tanpa direct face-to-face meetings with prospective debtors and without penyerahan dokumentasi fisik. submission of physical documentation. Untuk menjaga agar kualitas kredit Bank tetap terjaga dengan baik, To ensure that the Bank's credit quality is maintained properly, maka pemantauan terhadap kualitas kredit terus dilakukan secara monitoring of credit quality continues to be carried out routinely, rutin, baik per kategori kredit maupun portofolio kredit secara both per credit category and the overall credit portfolio. The debtor keseluruhan. Sistem pengukuran profil risiko debitur, prosedur, risk profile measurement system, procedures, risk management sistem manajemen risiko, sistem database dan organisasi perkreditan system, database system and credit organization are continuously terus disempurnakan dengan penekanan kepada penerapan prinsip being improved with an emphasis on the application of the “empat mata” (four eyes principle) dimana keputusan kredit diambil “four eyes” principle where credit decisions are taken based on berdasarkan pertimbangan dari dua sisi, yaitu sisi pengembangan considerations from two sides, namely the business development bisnis dan sisi analisis risiko kredit. side and the credit risk analysis side. Risiko Pasar Market Risk Risiko pasar (market risk) merupakan risiko yang timbul dari Market risk is a risk arising from the portfolio owned by the Bank portofolio yang dimiliki oleh Bank karena adanya pergerakan due to the movement of market variables (adverse movement) that variabel pasar (adverse movement) yang berpotensi merugikan has the potential to harm the Bank. Market risk is divided into 2 Bank. Risiko pasar sendiri dibagi menjadi 2 (dua), yakni risiko suku (two), namely interest rate risk and exchange rate risk. In general, the bunga dan risiko nilai tukar. Secara umum, langkah-langkah dan steps and plans to anticipate market risk on transactions related to rencana yang dilakukan untuk mengantisipasi risiko pasar atas exchange rate and interest rate risks are taken by determining and transaksi yang terkait dengan risiko nilai tukar dan suku bunga controlling market risk limits such as VaR Limit, Nominal Limit and adalah dengan melakukan penetapan dan kontrol limit risiko pasar Stop Loss Limit and conducting stress tests in measuring risk. As seperti Limit VaR, Limit Nominal dan Limit Stop Loss serta melakukan a digital-based conventional bank, the Bank consistently upholds stress test dalam mengukur risiko. Pengelolaan risiko pasar sebagai sound market risk management. Bank umum berbasis digital juga akan tetap berpedoman dalam pengelolaan risiko pasar yang sehat. 416 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 419
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Risiko Likuiditas Liquidity Risk
Risiko likuiditas muncul sebagai akibat dari mismatch struktur Liquidity risk arises as a result of the mismatch of the Bank's asset
aset dan liabilitas Bank. Bank mengelola risiko likuiditas untuk and liability structure. The Bank manages liquidity risk to ensure
memastikan kemampuan dalam memenuhi liabilitas kepada the ability to meet obligations to customers or counterparties that
nasabah atau counterparty yang jatuh tempo dengan menjaga dan are due by maintaining and preserving sufficient liquid assets to
mempertahankan jumlah aset likuid yang cukup untuk membayar pay customer deposits, provide funds for credit, fulfill operational
simpanan para nasabah, penyediaan dana dalam rangka pemberian liquidity needs and ensure that the amount of assets that are due
kredit, pemenuhan kebutuhan likuiditas operasional dan menjaga in each period can cover the amount of liabilities that are due. The
agar jumlah aset yang jatuh tempo pada setiap periode dapat Bank will continue to improve and develop effective and efficient
menutupi jumlah liabilitas yang jatuh tempo. Bank akan terus liquidity risk management to manage and control the consequences
meningkatkan dan mengembangkan manajemen risiko likuiditas of bank activities.
yang efektif dan efisien untuk mengelola serta mengendalikan
akibat dari aktivitas bank.
Bank senantiasa mengidentifikasi dan memantau faktor utama The Bank continuously identifies and monitors the main factors that
yang mempengaruhi kemampuan Bank untuk memperoleh dana, affect the Bank's ability to obtain funds, including identifying and
termasuk mengidentifikasi dan memantau alternatif pendanaan monitoring funding alternatives that can strengthen its capacity to
yang dapat memperkuat kapasitasnya untuk bertahan pada kondisi survive in crisis conditions. Those include:
krisis antara lain:
1. Memenuhi primary reserve yang menjadi kewajiban untuk 1. Fulfilling primary reserve which is an obligation to fulfill internal
memenuhi persyaratan internal maupun eksternal; and external requirements;
2. Memelihara secondary reserve dalam bentuk Surat Berharga 2. Maintaining secondary reserves in the form of Securities and
dan antar Bank Aktiva dalam rangka memenuhi kebutuhan inter-bank assets in order to meet daily operational needs
operasional harian dan memenuhi kebutuhan tak terduga, and meet unexpected needs, such as withdrawals of large
seperti adanya penarikan uang dalam jumlah besar; amounts of money;
3. Strategi suku bunga, alternatif investasi bagi pemilik dana, 3. Interest rate strategies, investment alternatives for fund owners,
perubahan perilaku nasabah, perubahan nilai tukar dan selisih changes in customer behavior, changes in exchange rates and
suku bunga yang ditawarkan oleh bank bank pesaing utama interest rate differences offered by major competing banks or
atau hal lain yang mempengaruhi perubahan struktur dana, other things that influence changes in fund structure, fund
volatilitas dana, serta core funds dipantau secara berkala; volatility and core funds are monitored regularly;
4. Melakukan perhitungan dan pemantauan proyeksi cashflow 4. Calculating and monitoring cash flow projections and the
dan profil maturitas Bank serta melakukan pengendalian agar Bank’s maturity profile and carrying out controls so that they
tetap terjaga sesuai appetite manajemen; are maintained in line with management appetite;
5. Tetap mempertahankan core deposan pada level atau 5. Maintaining core depositors at a certain level or percentage
persentase tertentu dan mengupayakan penyebaran jangka and strive to spread the placement period for third party funds
waktu penempatan dana pihak ketiga sehingga tidak so that they are not concentrated at one maturity point; and
terkonsentrasi pada satu titik jatuh tempo; dan
6. Mengupayakan pendanaan berbiaya rendah melalui program 6. Seeking low-cost funding through marketing and segmentation
pemasaran maupun segmentasi. programs.
Risiko Operasional Operational Risk
Risiko operasional adalah risiko yang disebabkan adanya Operational risk is a risk caused by inadequacy and/or non-
ketidakcukupan dan/atau tidak berfungsinya proses internal functioning of internal processes (policies, systems, and procedures),
(kebijakan, sistem, dan prosedur), kesalahan sistem, kesalahan system errors, human errors, or external problems that affect the
manusia, atau adanya problem eksternal yang mempengaruhi Bank's operations. To minimize operational risk in each functional
operasional Bank. Untuk meminimalisasi risiko operasional pada activity, the Bank has formulated policies and procedures and set
setiap aktivitas fungsional, maka Bank menyusun kebijakan dan limits aimed at intensively monitoring operational risk losses in all
prosedur serta penetapan limit yang ditujukan untuk memantau aspects of the Bank's operations.
secara intensif kerugian risiko operasional pada seluruh aspek
operasional Bank.
Dalam melakukan pengelolaan risiko operasional, Bank menerapkan In managing operational risk, the Bank applies certain methodology
metodologi untuk mengidentifikasi dan mengukur risiko operasional. to identify and measure operational risk, as well as measure the
Metodologi ini digunakan untuk mengukur penerapan kontrol implementation of controls on previously identified major risks. To
2024 Annual Report & Sustainability Report
417
Page 420
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
terhadap risiko-risiko utama yang telah diidentifikasi sebelumnya, this end, the Bank is able to identify the risks earlier, allowing us to
sehingga dapat mengidentifikasi risiko tersebut secara dini, immediately improve necessary control. To support the operational
sehingga dapat segera memperbaiki kontrol yang diperlukan. risk mitigation and control process, the Bank has done the following
Sebagai penunjang proses mitigasi dan pengendalian risiko matters:
operasional, Bank senantiasa melakukan:
1. Menggunakan sistem APU PPT & PPPSPM untuk memitigasi 1. Using the AML-CFT & CPF system to mitigate risks resulting
risiko akibat transaksi pencucian uang dan pendanaan from money laundering and terrorism financing transactions;
terorisme;
2. Melakukan uji coba kelangsungan operasional bisnis dalam 2. Conducting business operational continuity trials in Business
Business Continuity Management (BCM) yang mencakup Continuity Management (BCM) which includes Emergency
Emergency Response Plan (ERP), Crisis Management Plan Response Plan (ERP), Crisis Management Plan (CMP), Disaster
(CMP), Disaster Recovery Plan (DRP) dan Business Continuity Recovery Plan (DRP) and Business Continuity Plan (BCP); And
Plan (BCP); dan
3. Penanganan atas pengaduan nasabah yang lebih profesional 3. More professional handling of customer complaints with the
dengan tersedianya problem handling (help desk). availability of problem handling (help desk).
Risiko Strategis Strategic Risk
Risiko strategis adalah risiko antara lain disebabkan adanya Strategic risk is a risk caused by, among other things, the
penetapan dan pelaksanaan strategi Bank yang tidak tepat, determination and implementation of inappropriate Bank strategies,
pengambilan keputusan rencana bisnis yang tidak tetap atau kurang inconsistent business plan decision-making or the Bank's lack of
responsifnya Bank terhadap perubahan eksternal. Pengelolaan responsiveness to external changes. Strategic risk management
risiko strategis melalui proses pertimbangan dan pengambilan is carried out through a process of consideration and decision-
keputusan setiap kebijakan secara kolektif dan komprehensif oleh making for each policy collectively and comprehensively by the
Direksi dan Komite-komite yang telah dibentuk serta memantau Board of Directors and the Committees that have been formed
realisasi rencana strategis dengan membandingkan target yang and monitoring the realization of the strategic plan by comparing
akan dicapai dan memastikan bahwa risiko yang akan diambil the targets to be achieved and ensuring that the risks to be taken
masih dalam batas toleransi. are still within tolerance limits.
Seiring dengan strategi Bank yang menggunakan model bisnis In line with the Bank's strategy using a digital business model, the
digital, maka Bank mengelola kesesuaian strategi tersebut sesuai Bank manages the suitability of the strategy in accordance with the
dengan lingkungan bisnis yang ada. Bank juga mengukur tingkat existing business environment. The Bank also measures the level of
persaingan dan posisi bisnis Bank dalam formulasi strategi bisnis, competition and the Bank's business position in the formulation of
serta pencapaian rencana bisnis terhadap realisasi kinerja yang business strategies, as well as the achievement of business plans
dicapai. against the realization of performance achieved.
Risiko Reputasi Reputation Risk
Risiko reputasi adalah risiko yang antara lain disebabkan oleh Reputation risk is a risk caused by, among other things, negative
adanya publikasi negatif yang terkait dengan kegiatan usaha Bank publications related to the Bank's business activities or negative
atau persepsi negatif terhadap Bank. Identifikasi risiko reputasi perceptions of the Bank. Reputation risk identification is carried
dilakukan pada faktor-faktor risiko yang melekat pada aktivitas out on risk factors inherent in functional activities that include
fungsional yang mencakup keterbukaan (disclosure requirement), disclosure requirements, customer complaints about the Bank's
keluhan nasabah terhadap pelayanan Bank, perilaku karyawan services, the behavior of Bank employees in serving customers
Bank dalam melayani nasabah dan sistem komunikasi Bank serta and the Bank's communication system and all banking activities.
seluruh aktivitas perbankan.
Sebagai salah satu entitas anak di bawah CT Corpora melalui The Bank believes that its status as one of the subsidiary entities
Mega Corpora, Bank percaya bahwa hal ini dapat meningkatkan under CT Corpora through Mega Corpora can help us improve
reputasinya dalam industri perbankan. Meskipun demikian, its reputation in the banking industry. However, the complexity
kompleksitas produk dan bisnis dapat meningkatkan potensi risiko of products and businesses can increase the potential risks that
yang ada karena model bisnis digital yang meningkatkan frekuensi exist because the digital business model increases the frequency
interaksi digital dengan nasabah. Bank juga memastikan adanya of digital interactions with customers. The Bank also ensures
perlindungan nasabah dengan melakukan identifikasi, menyiapkan customer protection by identifying, preparing and ensuring the
dan memastikan kesiapan komunikasi kepada para nasabah agar readiness of communication to customers. This could prevent
tidak menimbulkan dampak negatif bagi nasabah yang berpotensi negative impact to customers as well as turn back on the potential
418 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 421
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
menjadi pemberitaan negatif. Selain itu, Bank bersikap proaktif to become negative news. In addition, the Bank proactively handles
terkait dengan penanganan komplain yang diterima dengan complaints received by identifying the root cause of the problem
mengetahui root cause permasalahan dan merumuskan solusi and formulating appropriate solutions in following up on customer
yang tepat dalam menindaklanjuti keluhan nasabah. complaints.
Risiko Hukum Legal Risk
Risiko hukum adalah risiko yang disebabkan oleh adanya kelemahan Legal risk is a risk caused by weaknesses in legal aspects, including
aspek yuridis, yang antara lain berupa tuntutan hukum, ketiadaan lawsuits, the absence of supporting laws and regulations or
peraturan perundang-undangan yang mendukung atau kelemahan weaknesses in obligations such as non-fulfillment of valid contract
perikatan seperti tidak terpenuhinya syarat sah kontrak dan requirements and imperfect collateral binding. Legal risk factors
pengikatan agunan yang tidak sempurna. Faktor risiko hukum are also in line with the Bank's business development plan. The
juga sejalan dengan rencana pengembangan bisnis Bank. Bank Bank will identify, measure and control legal risks arising from the
akan melakukan identifikasi, mengukur dan mengendalikan risiko bank's operations in the digital business model as well as legal
hukum yang timbul dari operasional bank dalam model bisnis digital risks inherent in cooperation/synergy plans with other companies,
serta risiko hukum yang melekat dengan rencana kerjasama/sinergi both in the CT Corpora ecosystem and cooperation with other
dengan perusahaan lain, baik dalam ekosistem CT Corpora maupun third-party companies.
kerja sama dengan perusahaan pihak ketiga lainnya.
Bank mengelola risiko hukum dengan memastikan seluruh aktivitas The Bank manages legal risk by ensuring that all activities and
dan hubungan kegiatan usaha Bank dengan pihak ketiga didasarkan business relationships between the Bank and third parties are based
pada aturan dan persyaratan yang dapat melindungi kepentingan on rules and requirements that can protect the Bank's interests
Bank dari segi hukum melalui: from a legal perspective through:
1. Peninjauan secara berkala dengan memastikan seluruh 1. Periodic reviews to ensure that all Bank business activities
aktivitas dan hubungan kegiatan usaha Bank dengan pihak and relationships with third parties are based on rules and
ketiga didasarkan pada aturan dan persyaratan yang dapat requirements that can protect the Bank’s interests from a legal
melindungi kepentingan Bank dari segi hukum; perspective;
2. Pengembangan budaya kepatuhan dan kepedulian terhadap 2. Developing a culture of compliance and awareness of legal
risiko hukum kepada seluruh pegawai pada setiap jenjang risks for all employees at every level of the organization on an
organisasi secara berkelanjutan. ongoing basis.
Risiko Kepatuhan Compliance Risk
Risiko kepatuhan merupakan risiko yang disebabkan akibat Bank Compliance risk is a risk caused by the Bank not complying with
tidak mematuhi ketentuan perundang-undangan yang berlaku. applicable statutory provisions. The Bank’s business activities
Kegiatan usaha bank yang terus mengalami perubahan tersebut constantly experiencing changes are in line with developments
sejalan dengan perkembangan teknologi informasi, globalisasi in information technology, globalization and financial market
dan integrasi pasar keuangan, sehingga kompleksitas kegiatannya integration. Thus, the complexity of their activities is increasingly
semakin tinggi. Kompleksitas kegiatan usaha bank yang semakin high. The increasing complexity of bank business activities requires
meningkat memerlukan adanya peningkatan peran dan fungsi the Compliance Work Unit to have a more solid role and function
Satuan Kerja Kepatuhan dalam pengelolaan Risiko Kepatuhan, in managing Compliance Risk. This allows the Bank to comply with
agar Bank senantiasa mematuhi seluruh ketentuan dan perundang- all applicable regulations and legislation as well as commitments
undangan yang berlaku serta komitmen yang dibuat oleh Bank made by the Bank to regulators.
kepada regulator.
Bank mengelola risiko kepatuhan dengan melakukan penelaahan In handling compliance risk, the Bank regularly conducts reviews to
secara komprehensif untuk memastikan kesesuaian kebijakan ensure the conformity of standard operating policies and procedures
standar operasi dan prosedur serta pengembangan produk as well as new product development with external regulations. The
baru dengan peraturan eksternal. Satuan kerja Kepatuhan telah Compliance work unit has carried out reviews in order to prevent
melaksanakan pengkajian dalam rangka mencegah penyimpangan deviations from applicable laws and regulations, including:
terhadap peraturan perundangan-undangan dan ketentuan lain
yang berlaku, meliputi:
1. Mewujudkan terlaksananya budaya kepatuhan pada semua 1. Realize the implementation of a culture of compliance at all
tingkatan organisasi dan kegiatan usaha Bank; levels of the Bank’s organization and business activities;
2. Mengelola risiko kepatuhan yang dihadapi oleh Bank, dengan 2. Manage compliance risks faced by the Bank, by referring to
mengacu pada berbagai ketentuan terkait tata kelola bank various provisions related to conventional bank governance; and
umum; dan
2024 Annual Report & Sustainability Report
419
Page 422
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
3. Memastikan kepatuhan Bank terhadap komitmen yang dibuat 3. Ensure the Bank’s compliance with commitments made by the
oleh Bank kepada Otoritas Jasa Keuangan dan atau otoritas Bank to the Financial Services Authority and/or other competent
pengawas lain yang berwenang. supervisory authorities.
Tinjauan terhadap Efektivitas Sistem Manajemen Risiko Review of the Effectiveness of the Risk Management System
Perseroan melakukan peninjauan terhadap efektivitas manajemen The Company periodically reviews the effectiveness of its risk
risiko secara berkala. Proses ini dilakukan melalui pengkajian atas management system. This process is conducted through a review
RAS dan Profil Risiko agar tetap selaras dengan kondisi Perseroan of the RAS and Risk Profile to ensure they remain aligned with the
terkini maupun regulasi terbaru. Pada tahun 2024 Perseroan telah Company’s current conditions and the latest regulations. In 2024,
melakukan tinjauan terhadap RAS dan metodologi penilaian Profil the Company reviewed the RAS and the Risk Profile assessment
Risiko, di mana terdapat perubahan yang telah disetujui Direksi methodology, with the proposed changes approved by the Board
dan disampaikan kepada Dewan Komisaris sebagai bagian dari of Directors and submitted to the Board of Commissioners. This
komitmen Perseroan dalam menjaga kerangka manajemen risiko initiative reflects the Company's commitment to maintaining a
yang relevan dan efektif. relevant and effective risk management framework.
Profil Risiko dan Tingkat Kesehatan Bank Risk Profile and Bank Soundness Level
Peraturan OJK No. 18/POJK.03/2016 tentang Penerapan OJK Regulation No. 18/POJK.03/2016 concerning the
Manajemen Risiko bagi Bank Umum mengatur bahwa Bank harus Implementation of Risk Management for Conventional Bank
melakukan self-assessments melalui Profil Risiko yang dilaporkan stipulates that Banks must conduct self-assessments through a
ke Regulator secara triwulanan. Proses penilaian Profil Risiko Bank Risk Profile reported to the Regulator quarterly. The Bank Risk
meliputi 8 (delapan) risiko utama yaitu risiko kredit, risiko pasar, Profile assessment process includes 8 (eight) main risks, namely
risiko likuiditas, risiko stratejik, risiko operasional, risiko hukum, credit risk, market risk, liquidity risk, strategic risk, operational risk,
risiko kepatuhan, dan risiko reputasi. legal risk, compliance risk, and reputation risk.
Penilaian Profil Risiko tersebut dilakukan dengan parameter The Risk Profile assessment is carried out with risk measurement
pengukuran risiko tidak hanya menggunakan data historis, parameters not only using historical data, but also with forward
tetapi juga dengan forward looking dengan mempertimbangkan looking by considering business strategies and macroeconomic
strategi bisnis dan kondisi makroekonomi. Melalui Profil Risiko, conditions. Through the Risk Profile, Allo Bank can manage risks
Allo Bank dapat mengelola risiko melalui tindakan yang tepat, through appropriate actions, and is carried out comprehensively
dan dilakukan secara menyeluruh dan komprehensif berdasarkan and comprehensively based on the Bank's business line. Based
dengan lini bisnis Bank. Berdasarkan pada peraturan OJK No. 4/ on OJK Regulation No. 4/POJK.03/2016 concerning Bank Health
POJK.03/2016 tentang Penilaian Tingkat Kesehatan Bank, Allo Level Assessment, Allo Bank has conducted an assessment of the
Bank telah melakukan penilaian atas Tingkat Kesehatan Bank yang Bank Health Level which includes 4 (four) factors, including Risk
meliputi 4 (empat) faktor, antara lain Risk Profile, Good Corporate Profile, Good Corporate Governance (GCG), Earnings, and Capital.
Governance (GCG), Earnings, dan Capital.
Adapun hasil dari self-assessment GCG Bank di tahun 2024 dapat The results of the Bank’s GCG self-assessment in 2024 are as
dilihat sebagai berikut: follows:
Periode Penilaian Hasil Self- Definisi Peringkat
Assessment PEriod Assessment Rating Definition
Semester I – 2024 Individual 2 Mencerminkan Manajemen Bank telah melakukan penerapan tata kelola yang secara umum
Individual baik. Hal ini tercermin dari pemenuhan yang memadai atas prinsip-prinsip tata kelola. Dalam
hal terdapat kelemahan penerapan prinsip tata kelola, secara umum kelemahan tersebut
Semester II - 2024 Individual 2
kurang signifikan dan dapat diselesaikan dengan tindakan normal oleh manajemen Bank.
Individual
The rating indicates that the Bank's Management has implemented what is categorized as
generally good levels of Governance. This can be seen reflected in the Bank's adequate
fulfillment of Governance principles. In the event that there are weaknesses in the Bank's
implementation of Governance principles, these weaknesses are generally viewed as less
significant and can be resolved with normal actions by the Bank's management.
Di samping itu, berdasarkan Surat OJK No. 13/SEOJK.03/2017 In addition, based on OJK Letter No. 13/SEOJK.03/2017 concerning
tentang penerapan tata kelola Bank untuk Semester I/2024 dan the implementation of Bank governance for Semester I/2024 and
Semester II/2024 masing-masing mendapatkan predikat “BAIK”. Semester II/2024, each received the predicate "GOOD".
420 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 423
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Pernyataan Manajemen atas Kecukupan Sistem Management Statement on Adequacy of Risk
Manajemen Risiko Management System
Bank senantiasa melakukan kaji ulang atas kinerja sistem manajemen The Bank continuously reviews the performance of its risk
risiko untuk memastikan proses berjalan sesuai yang telah management system to ensure that the process operates as
ditetapkan. Berdasarkan hasil pemantauan RAS dan Profil Risiko planned. Based on the monitoring results of the RAS and Risk
sepanjang tahun 2024, Direksi dan Dewan Komisaris menilai secara Profile throughout 2024, the Board of Directors and Board
keseluruhan indikator risiko menunjukkan penerapan manajemen of Commissioners assessed that, overall, the risk indicators
risiko telah memadai dan dijalankan dengan efektif. Selain itu, demonstrated that risk management was adequately implemented
Direksi dan Dewan Komisaris juga menilai Direktorat Manajemen and effectively carried out. Additionally, they evaluated that the
Risiko beserta para pelaksana pertahanan tiga lapis (three line of Risk Management Directorate and the implementers of the three
defense) telah menjalankan kinerja dengan baik dalam memastikan lines of defence performed well in ensuring the adequacy of risk
kecukupan pengelolaan risiko dan pengendalian internal. management and internal control.
Pengungkapan Rencana Aksi Pemulihan Disclosure of Recovery Plan
1. Tujuan Rencana Aksi 1. Purpose of the Action Plan
Bank telah menyusun dan menyampaikan kepada OJK Rencana The Bank has prepared and submitted a Recovery Action
Aksi Pemulihan (Recovery Plan) yang bertujuan untuk mencapai Plan to OJK, aiming to achieve and maintain financial system
dan mempertahankan stabilitas bank dalam sistem keuangan stability in alignment with the mission of the Government of the
sejalan dengan misi Pemerintah Republik Indonesia dalam Republic of Indonesia to prevent and manage financial system
pencegahan dan penanganan krisis sistem keuangan dan crises in order to support the national economy.
dalam rangka mendukung perekonomian nasional.
Rencana Aksi Pemulihan merupakan komitmen Bank dalam: The Recovery Action Plan reflects the Bank's commitment to:
a. Mewujudkan stabilitas sistem keuangan yang kokoh dalam a. Ensuring a stable and resilient financial system capable of
menghadapi ancaman krisis keuangan yang disebabkan withstanding potential financial crises caused by pressure
oleh tekanan terhadap berbagai kondisi keuangan; on various financial conditions.
b. Mencegah dan menangani permasalahan yang dimiliki di mana b. Preventing and addressing existing problems by outlining
Bank telah menetapkan langkah-langkah yang akan dilakukan preemptive measures and response strategies to mitigate
pada saat terjadinya tekanan kondisi keuangan (financial stress) financial stress that could threaten the Bank’s business
yang dapat membahayakan kelangsungan usaha Bank. continuity.
Rencana Aksi Pemulihan yang disusun telah disesuaikan The Recovery Action Plan has been tailored to the Bank’s
dengan kondisi Bank dan mengacu pada Peraturan Otoritas specific conditions and is aligned with Financial Services
Jasa Keuangan No. 5 Tahun 2024 tentang Penetapan Status Authority Regulation No. 5 of 2024 concerning the
Pengawasan dan Penanganan Permasalahan Bank Umum Determination of Supervision Status and Handling of General
dimana pada pasal 14 tercantum bahwa Bank wajib menyusun Bank Issues, where Article 14 of this regulation requires the
dan menyampaikan Rencana Aksi Pemulihan kepada Otoritas Bank to develop and submit a Recovery Action Plan to the
Jasa Keuangan, dengan menyertakan hal-hal sebagai berikut: Financial Services Authority, covering the following aspects:
a. Ringkasan Eksekutif a. Executive Summary
b. Gambaran Bank secara umum termasuk Kondisi Bank; lini b. General Overview of the Bank, including its financial
bisnis, jaringan kantor dan perusahaan anak yang material; condition, business lines, office network, material
struktur kelompok usaha Bank; keterikatan usaha Bank; subsidiaries, business group structure, and business
analisis skenario dampak perubahan kondisi Bank relationships, along with scenario analyses of potential
changes in the Bank's condition.
c. Opsi Pemulihan termasuk indikator rencana pemulihan, c. Recovery Options, detailing recovery plan indicators, trigger
trigger level, dan opsi pemulihan terkait permodalan, levels, and recovery strategies related to capital, liquidity,
likuiditas, profitabilitas dan kualitas aset. profitability, and asset quality.
d. Pengungkapan Rencana Pemulihan termasuk penyampaian d. Disclosure of the Recovery Plan including submission to
kepada pihak internal dan pihak external. internal and external parties.
2. Kerangka Rencana Aksi 2. Action Plan Framework
a. Gambaran Bank Secara Umum a. General Overview of the Bank
Gambaran Bank secara umum dilakukan melalui identifikasi A general overview of the Bank is provided by assessing its
perkembangan Bank sampai saat ini dan lini-lini bisnis development to date, including its business lines, which are
yang dimiliki oleh Bank dan dianggap core dan non-core categorized as core and non-core, as well as critical and
2024 Annual Report & Sustainability Report
421
Page 424
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
maupun kritikal dan non-kritikal. Di samping itu, Bank non-critical. Additionally, the Bank outlines its business and
juga menjelaskan aspek bisnis dan kinerja serta rencana performance aspects, and future business development
pengembangan bisnis yang telah diformulasikan plans.
Dalam hal strategi pengelolaan risiko, Bank melihat bahwa From a risk management perspective, the Bank recognizes
tujuan dari Rencana Pemulihan adalah untuk memberikan that the purpose of the Recovery Plan is to establish a
Bank sebuah kerangka kerja untuk secara efektif dan efisien framework that enables the Bank to effectively and
menangani dampak keuangan dari peristiwa stres yang efficiently manage the financial impact of severe stress
parah dan menghindari kegagalan atau penyelesaian. events, thereby preventing failure or forced resolution. The
Komponen-komponen dalam Rencana Pemulihan berasal components of the Recovery Plan are derived from and
dari dan sejalan dengan proses manajemen risiko lainnya, aligned with other risk management processes, including
seperti yang mengatur permodalan, likuiditas, uji stres, capital and liquidity management, stress testing, business
kelangsungan usaha atau perencanaan penyelesaian. continuity planning, and resolution planning.
b. Opsi Pemulihan b. Recovery Options
Rencana Pemulihan pada dasarnya merupakan strategi The Recovery Plan serves as a strategic approach
yang diterapkan oleh Bank untuk mempersiapkan implemented by the Bank to prepare for unexpected
pengeluaran keuangan tak terduga atau darurat. Tujuan financial distress or emergency situations. Its primary
utama dari Rencana Pemulihan adalah untuk memastikan objective is to ensure that the Bank has access to sufficient
bahwa Bank memiliki akses terhadap dana likuid atau liquid assets or funding sources to address unforeseen
sumber dana yang cukup untuk menangani peristiwa financial events that could impact its operations or overall
keuangan yang tidak terduga yang dapat mempengaruhi financial stability.
operasi atau stabilitas keuangan Bank.
Beberapa komponen utama yang termasuk dalam Rencana Some of the key components of the Recovery Plan include:
Pemulihan adalah:
• Identifikasi potensi risiko; • Identification of potential risks.
• Mengidentifikasi potensi risiko atau peristiwa yang • Identification of potential risks or events that may cause
dapat menyebabkan kondisi krisis keuangan; a financial crisis.
• Penilaian dampak risiko; • Risk impact assessment.
• Mengevaluasi potensi dampak risiko keuangan dari • Evaluation of the potential financial risk impact of a
peristiwa/risiko krisis yang terjadi; crisis event or risk.
• Penetapan ambang batas atau pemicu (threshold/ • Determination of thresholds or triggers.
triggers);
• Menetapkan ambang batas atau pemicu (threshold/ • Determination of thresholds or triggers that indicate
triggers) yang mengindikasikan kapan Rencana when the Recovery Plan should be activated.
Pemulihan harus diaktifkan;
• Strategi pendanaan tambahan; • Additional funding strategies.
• Mengembangkan strategi untuk memperoleh • Development of strategies to obtain additional funding
pendanaan atau likuiditas tambahan selama krisis; or liquidity during a crisis.
• Prosedur komunikasi dan pelaporan; • Communication and reporting procedures.
• Menyusun prosedur komunikasi dan pelaporan yang • Establishment of clear communication and reporting
jelas untuk memastikan bahwa semua pemangku procedures to ensure that all stakeholders receive the
kepentingan mendapatkan informasi yang diperlukan necessary information and are prepared to respond
dan siap menghadapi kondisi krisis keuangan yang to any financial crisis conditions, as regulated in other
terjadi, sebagaimana diatur dalam ketentuan internal applicable internal provisions regarding the Crisis
lainnya yang berlaku mengenai Crisis Management Plan. Management Plan.
c. Pengungkapan Rencana Pemulihan c. Disclosure of the Recovery Plan
Bank akan melakukan pengungkapan Rencana Aksi The Bank is committed to transparency by disclosing
Pemulihan baik untuk stakeholders internal maupun the Recovery Action Plan to both internal and external
stakeholders eksternal atau publik secara umum, sebagai stakeholders, as well as the public. This initiative reflects
bagian dari komitmen terhadap keterbukaan informasi the Bank’s dedication to maintaining a stable financial
sebagai bentuk komitmen Bank dalam rangka membantu system and addressing potential financial crises caused
mewujudkan stabilitas sistem keuangan yang kokoh dalam by various financial conditions.
menghadapi ancaman krisis keuangan yang disebabkan
oleh tekanan terhadap berbagai kondisi keuangan.
422 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 425
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Bank juga mengembangkan rencana komunikasi krisis Additionally, the Bank has developed a crisis communication
sebagai panduan standar untuk mengatasi permasalahan plan as a standardized guideline for managing financial
keuangan dalam konteks komunikasi korporat yang issues within its corporate communications framework. This
menetapkan tata kelola, struktur dan sumber daya plan establishes structured governance, communication
komunikasi secara terpadu guna memberikan respons protocols, and resource allocation to ensure timely and
cepat yang akurat kepada masing-masing pemangku accurate responses to stakeholders. It also assigns clear
kepentingan, menetapkan akuntabilitas untuk team accountability to the designated crisis management team,
yang diberi tugas yang bertujuan untuk meminimalkan aiming to minimize the impact of financial challenges on the
dampak permasalahan keuangan terhadap reputasi Bank Bank’s reputation. The disclosure of the Recovery Action
dan mengungkapkan Rencana Aksi Pemulihan dengan Plan follows a structured approach to enhance stakeholder
pendekatan terstruktur. confidence and regulatory compliance.
3. Tata Kelola Rencana Aksi Pemulihan 3. Recovery Action Plan Governance
Rencana Aksi Pemulihan yang efektif membantu manajemen An effective Recovery Action Plan enables management to
mengidentifikasi kapan Bank menghadapi atau mungkin identify situations where the Bank is experiencing or may
menghadapi peristiwa stres yang parah yang mengancam atau experience a severe stress event that could threaten its financial
mungkin mengancam kekuatan keuangan dan kelayakannya. strength and viability. In such cases, the Bank’s management
Dalam hal ini, manajemen Bank akan mengambil tindakan yang will take appropriate measures to restore financial stability.
tepat untuk memulihkan kekuatan keuangan dan kelayakan The Recovery Plan is essential to the Bank’s resilience, as it
bank. Rencana Pemulihan sangat penting bagi ketahanan is integrated into the Bank’s risk governance framework and
Bank, dan terintegrasi ke dalam kerangka kerja tata kelola risiko plays a key role in crisis management. It also outlines the Bank’s
Bank, serta memainkan peran penting dalam manajemen krisis. transition from normal business operations to early warning of
Rencana Pemulihan juga mengakui transisi Bank dari operasi financial distress and, if necessary, to a severe stress scenario.
bisnis biasa ke peringatan dini tentang stres parah hingga stres Additionally, it is linked to the resolution plan should the financial
parah itu sendiri, dan terhubung dengan rencana penyelesaian deterioration remain unaddressed.
jika penurunan keuangan tidak diperbaiki.
Proses perencanaan pemulihan harus bersifat berkelanjutan. The recovery planning process is continuous, complementing
Proses ini melengkapi fungsi tata kelola risiko dan mendukung the Bank’s risk governance function and supporting its safe
operasinya yang aman dan sehat. Dalam proses pengembangan and sound operations. In developing and maintaining the
dan pemeliharaan Rencana Pemulihan, manajemen dan Recovery Plan, management and the Board of Directors
Direksi terus berkomitmen untuk meningkatkan tata kelola remain committed to enhancing risk governance to minimize
risiko dengan tujuan untuk mengurangi dampak keuangan the financial impact of unforeseen future events.
dari peristiwa tak terduga di masa depan.
Di bawah arahan regulator khususnya OJK, Bank terus Under regulatory guidance, particularly from OJK, the Bank
mengembangkan pemicu atau metrik sepanjang kontinuum continues to refine its triggers and metrics across various
business as usual, peringatan dini, pemulihan, dan penyelesaian stages—ranging from business as usual, early warning,
agar dapat merespons dengan cepat dan pulih dari dampak recovery, and resolution—ensuring a swift response to financial
keuangan peristiwa stres yang parah. stress events and facilitating effective recovery.
Bank juga akan mengkoordinasikan Rencana Pemulihan Furthermore, the Bank coordinates its Recovery Plan with the
dengan upaya perencanaan pemulihan dan penyelesaian oleh recovery and resolution planning efforts of its parent company
perusahaan induknya, sehingga rencana tersebut konsisten to ensure consistency and alignment, preventing any potential
dan tidak saling bertentangan. conflicts between the plans.
4. Penyampaian Rencana Aksi 4. Submission of the Action Plan
Bank telah menyampaikan Rencana Aksi kepada Otoritas Jasa The Bank submitted its Action Plan to the Financial Services
Keuangan untuk pertama kalinya pada tahun 2024 dengan Authority for the first time in 2024, in accordance with
mengacu pada Peraturan Otoritas Jasa Keuangan No. 5 Tahun Financial Services Authority Regulation No. 5 of 2024 on
2024 tentang Penetapan Status Pengawasan dan Penanganan the Determination of Supervision Status and Handling of
Permasalahan Bank Umum dimana pada pasal 14 tercantum Commercial Bank Issues, where Article 14 of this regulation
bahwa Bank wajib menyusun dan menyampaikan Rencana mandates that banks must prepare and submit a Recovery
Aksi Pemulihan kepada Otoritas Jasa Keuangan. Action Plan to the Financial Services Authority.
2024 Annual Report & Sustainability Report
423
Page 426
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Sistem
Pengendalian Internal Internal Control System
Sistem Pengendalian Internal (SPI) merupakan Internal Control System is a control mechanism
suatu mekanisme pengendalian yang ditetapkan established by the Board of Directors with the
oleh Direksi dengan persetujuan Dewan approval of the Board of Commissioners on
Komisaris secara berkesinambungan (ongoing an ongoing basis, the quality of design and
basis) yang kualitas desain dan pelaksanaannya implementation of which is influenced by the
dipengaruhi oleh Dewan Komisaris, Direksi, Board of Commissioners, the Board of Directors,
serta seluruh pejabat dan pegawai Bank. and all officers and employees of the Bank. The
Penerapan SPI di lingkungan Bank bertujuan implementation of SPI in the Bank's environment
untuk: aims to:
1. Menjaga dan mengamankan harta 1. Maintain and secure the Bank’s assets.
kekayaan Bank.
2. Menjamin tersedianya laporan yang akurat. 2. Ensure the availability of accurate reports.
3. Meningkatkan kepatuhan terhadap 3. Increase compliance with applicable
ketentuan yang berlaku. regulations.
4. Mengurangi dampak kerugian keuangan, 4. Reduce the impact of financial losses,
penyimpangan termasuk kecurangan (fraud) irregularities including fraud and violations
dan pelanggaran aspek kehati-hatian. of prudential aspects.
5. Meningkatkan efektivitas organisasi dan 5. Increase organizational effectiveness and
meningkatkan efisiensi biaya. increase cost efficiency.
Pedoman Sistem Pengendalian Internal Control System Guidelines
Internal
Sistem pengendalian internal merupakan The internal control system is an important
komponen penting dalam manajemen bank component in bank management and is the
dan menjadi dasar bagi kegiatan operasional basis for sound and safe bank operational
bank yang sehat dan aman. Pedoman sistem activities. Allo Bank’s internal control system
pengendalian internal Allo Bank telah mengacu guidelines refer to Financial Services Authority
pada Surat Edaran Otoritas Jasa Keuangan No. Circular Letter No. 35/SEOJK.03/2017
35/SEOJK.03/2017 tentang pedoman Standar concerning guidelines for Internal Control
Sistem Pengendalian Intern bagi Bank Umum System Standards for Conventional Bank
mencakup 5 (lima) elemen pokok yang saling covering 5 (five) main interrelated elements,
berkaitan, yaitu: namely:
1. Pengawasan oleh manajemen dan kultur 1. Management supervision and control culture.
pengendalian.
2. Identifikasi dan penilaian risiko. 2. Risk identification and assessment.
3. Kegiatan pengendalian dan pemisahan 3. Control activities and segregation of functions.
fungsi.
4. Sistem akuntansi, informasi, dan komunikasi. 4. Accounting, information and communication
systems.
5. Kegiatan pemantauan dan tindakan koreksi 5. Monitoring activities and corrective actions
penyimpangan. for deviations.
424 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 427
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Hasil Evaluasi Penerapan Sistem Pengendalian Results of Evaluation of Implementation of Internal
Internal Control System
Bank secara konsisten melakukan evaluasi atas pelaksanaan sistem The Bank consistently evaluates the implementation of the internal
pengendalian internal di setiap jenjang organisasi. Satuan Kerja control system at every level of the organization. The Internal
Audit Internal melakukan evaluasi atas kecukupan dan efektivitas Audit Work Unit evaluates the adequacy and effectiveness of the
Sistem Pengawasan Internal secara menyeluruh dan pengawasan Internal Supervisory System as a whole and the supervision carried
yang dilakukan untuk mendukung asersi Direksi tentang efektivitas out to support the Board of Directors' assertions regarding the
Sistem Pengendalian Internal Bank yang diterapkan. effectiveness of the Bank's Internal Control System implemented.
Hasil evaluasi yang dilakukan oleh SKAI kemudian disampaikan The results of the evaluation conducted by SKAI are then submitted
kepada manajemen untuk ditindaklanjuti dan dimonitor to management for follow-up and monitoring of its implementation
pelaksanaannya guna memastikan Sistem Pengendalian Internal to ensure that the Bank's Internal Control System is sufficient to
Bank telah cukup memadai dalam mendukung pencapaian tujuan support the achievement of the goals and objectives that have been
dan sasaran yang telah ditetapkan. Berdasarkan hasil pemeriksaan set. Based on the results of the examination and the presentation
serta paparan hasil evaluasi terhadap efektivitas dan kecukupan of the evaluation results on the effectiveness and adequacy
pengendalian internal pada Bank, khususnya pada kecukupan of internal control at the Bank, especially on the adequacy of
sistem, prosedur, struktur organisasi, sumber daya manusia, dan systems, procedures, organizational structure, human resources,
pelaporan, Bank menyimpulkan bahwa sistem pengendalian internal and reporting, the Bank concludes that the internal control system
telah berjalan baik, termasuk diantaranya kelengkapan, akurasi, has been running well, including the completeness, accuracy, and
dan ketersediaan data pada sistem informasi. availability of data in the information system.
Penilaian Kecukupan Penerapan Sistem Pengendalian Assessment of Adequacy of Implementation of
Internal oleh Direksi dan/atau Dewan Komisaris Internal Control System by Board of Directors and/or
Board of Commissioners
Berdasarkan hasil evaluasi atas efektivitas dan kecukupan Based on the evaluation results of the effectiveness and adequacy of
pengendalian internal Bank, khususnya pada kecukupan sistem, the Bank's internal control, especially on the adequacy of systems,
prosedur, struktur organisasi, sumber daya manusia, dan pelaporan, procedures, organizational structure, human resources, and
Direksi menilai bahwa penerapan Sistem Pengendalian Internal reporting, the Board of Directors assesses that the implementation of
telah berjalan dengan baik dan memadai, baik dari kecukupan the Internal Control System has been running well and adequately,
infrastruktur maupun metode. Untuk itu, Bank berkomitmen untuk both in terms of the adequacy of infrastructure and methods. To
terus meningkatkan kualitas penerapan sistem pengendalian internal this end, the Bank is committed to continuously improving the
ke depan guna memastikan kinerja usaha Bank tetap sehat dan quality of the implementation of the internal control system in the
aman. future to ensure that the Bank's business performance remains
sound and safe.
2024 Annual Report & Sustainability Report
425
Page 428
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Perkara
Penting Litigation
Permasalahan hukum yang dihadapi oleh Bank dalam 2 (dua) tahun The legal problems faced by the Bank in the last 2 (two) years, both
terakhir, baik perdata maupun pidana, dapat dilihat sebagai berikut: civil and criminal, can be seen as follows:
2024 2023
Permasalahan Hukum
Legal Cases Perdata Pidana Perdata Pidana
Civil Criminal Civil Criminal
Selesai dan telah mempunyai kekuatan hukum tetap
1 - 1 -
Completed and has permanent legal force
Dalam proses penyelesaian
5 - 1 -
In the process of being resolved
Jumlah
6 - 2 -
Total
Perkara Penting yang Dihadapi Bank
Litigation Faced by the Bank
Nomor Register Perkara/ Pengaruh terhadap
Pokok Perkara/Gugatan Status Penyelesaian
No. Putusan Perusahaan
Main Case/Claim Completion Status
Case/Decision Register Number Influence on the Company
1. 671/Pdt.G/2022/PN.Jkt.Ut Pengambilalihan jaminan Allo memenangkan perkara pada
Collateral takeover tingkat PN dan PT, penggugat
sedang melakukan Kasasi
Allo won the case at the District
Court and Court of Appeal levels,
while the plaintiff is in cassation.
2. 499/Pdt.G/2024/PN.Jkt.Pst Penjualan lelang jaminan Proses di PN
kredit Processed in the District Court
Auction sale of loan
collateral
Permasalahan Hukum yang Dihadapi Dewan Legal Issues Faced by Board of Commissioners and
Komisaris dan Direksi yang Sedang Menjabat Board of Directors in Office
Sepanjang tahun 2024, tidak terdapat permasalahan hukum yang Throughout 2024, there were no legal issues faced by the incumbent
dihadapi oleh Dewan Komisaris maupun Direksi yang sedang Board of Commissioners or Directors.
menjabat.
Sanksi Administratif Administrative Sanction
Di tahun 2024, Bank menerima sanksi administratif dari regulator. In 2024, the Bank received administrative sanctions from regulators.
Informasi sanksi administratif yang diterima oleh Bank pada tahun Information on administrative sanctions received by the Bank in
2024 dapat dilihat sebagai berikut: 2024 can be seen below:
Sanksi Perihal Nominal
Sanction Matters Nominal
Bank Indonesia Pembatalan Transaksi Repo FTO Bank Indonesia PT Allo Bank Indonesia Tbk 4.815.5150
Cancellation of Bank Indonesia FTO Repo Transaction PT Allo Bank Indonesia Tbk
Otoritas Jasa Keuangan Penetapan Sanksi Administratif Berupa Denda Hasil Pemeriksaan 1.700.000
Financial Services Authority Determination of Administrative Sanctions in the Form of Fines for Audit Results
426 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 429
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Akses Informasi dan Access to Information and
Data Perusahaan Company Data
Allo Bank berkomitmen menerapkan prinsip Allo Bank is committed to implementing the
transparansi kepada pemegang saham dan principle of transparency to shareholders and
segenap pemangku kepentingan dengan all stakeholders by providing adequate access
menyediakan akses dan sarana informasi yang and information facilities. During 2024, the Bank
memadai. Selama tahun 2024, Bank senantiasa continued to provide important information and
menyediakan informasi penting dan data company data, such as Corporate Actions,
perusahaan, seperti Aksi Korporasi, Laporan Annual Reports, Financial Reports, and press
Tahunan, Laporan Keuangan, dan press release releases in real time presented in Indonesian
secara real time yang disajikan dalam Bahasa and English and can be accessed by the public
Indonesia dan Inggris dan dapat diakses oleh either through the company's website at www.
publik baik melalui situs web perusahaan allobank.com.
dengan alamat www.allobank.com.
Transparansi Kondisi Keuangan dan Financial and Non-Financial Condition
Non Keuangan Transparency
Dalam menerapkan prinsip-prinsip terbaik In implementing the best practice principles of
(best practice) GCG, khususnya terkait GCG, especially related to transparency, the
transparansi, Bank senantiasa menyediakan Bank always provides transparency of financial
keterbukaan informasi keuangan dan non and non-financial information as a manifestation
keuangan sebagai bentuk tanggung jawab of the Bank's responsibility to stakeholders and
Bank terhadap pemangku kepentingan dan fulfillment of applicable provisions. Information
pemenuhan atas ketentuan yang berlaku. on the financial and non-financial conditions
Informasi kondisi keuangan dan non-keuangan of Allo Bank has been clearly stated in several
Allo Bank telah dituangkan secara jelas dalam reports, including the Annual Report, Quarterly
beberapa laporan, di antaranya dalam Laporan Published Financial Report, Monthly Report, and
Tahunan, Laporan Keuangan Publikasi Triwulan, Other Non-Financial Reports. Transparency of
Laporan Bulanan, dan Laporan non-keuangan the Bank's Financial and Non-Financial Reports
Lainnya. Transparansi Laporan Keuangan dan can be seen on the Bank's official website at
Non-keuangan Bank dapat dilihat pada situs www.allobank.com.
web resmi Bank di www.allobank.com.
2024 Annual Report & Sustainability Report
427
Page 430
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Kode Etik dan Code of Conduct and
Budaya Perusahaan Corporate Culture
Bank telah memiliki Kode Etik dan Budaya The Bank has a Code of Conduct and Corporate
Perusahaan sebagai prinsip dasar dan pedoman Culture as a basic principle and guideline that
yang harus diikuti dan diimplementasikan must be adhered and implemented by Bank
oleh Insan Bank dalam menjalankan kegiatan Personnel in carrying out business activities
usaha maupun operasi secara beretika dan and operations ethically and with integrity.
berintegritas. Bank senantiasa memperbaharui The Bank continuously updates the Code of
Kode Etik dan Budaya yang dimiliki agar tetap Conduct and Culture, is it remains relevant to
relevan dengan perkembangan regulasi, norma, the development of regulations, norms, and
dan dinamika bisnis Bank. dynamics of the Bank's business.
Isi Kode Etik dan Pernyataan Kode Contents of Code of Conduct and
Etik Berlaku bagi Seluruh Insan Allo Statement of Code of Conduct
Bank Applies to All Allo Bank Personnel
Kode Etik (Code of Conduct) Bank disahkan The Bank's Code of Conduct was ratified
berdasarkan Surat Keputusan Direksi No. 025/ based on the Decree of the Board of Directors
DIRAB/24 tentang Kebijakan Kode Etik (Code No. 025/DIRAB/24 concerning the Code of
of Conduct). Kode Etik Perilaku ini berlaku bagi Conduct Policy. This Code of Conduct applies
Dewan Komisaris, Direksi, dan karyawan Allo to the Board of Commissioners, Directors, and
Bank. Seluruh karyawan telah menandatangani employees of Allo Bank. All employees have
pernyataan bahwa yang bersangkutan telah signed a statement that they have understood
memahami dan akan menaati serta menjalankan and will obey and implement the Allo Bank
Kode Etik Bank Allo Bank tersebut. Code of Conduct.
Secara garis besar, Kode Etik Perilaku Allo Bank In general, the Allo Bank Code of Conduct
mengatur tentang: regulates:
1. Mematuhi peraturan perundang-undangan 1. Compliance with applicable laws and
yang berlaku, baik internal maupun eksternal. regulations, both internal and external.
2. Menolak penyuapan, korupsi dan aktivitas 2. Rejecting bribery, corruption and other
ilegal lainnya. illegal activities.
3. Dilarang menerima atau meminta hadiah/ 3. It is prohibited to accept or ask for gifts/
hiburan dari nasabah dalam bentuk apapun. entertainment from customers in any form.
4. Menjaga agar tidak terjadi benturan 4. Ensuring that there are no conflicts of
kepentingan, baik dengan nasabah, interest, whether with customers, Bank
karyawan Bank, pemegang saham, anggota employees, shareholders, members of the
Dewan Komisaris, anggota Direksi, dan/atau Board of Commissioners, members of the
pihak terkait dengan Bank. Board of Directors, and/or parties related
to the Bank.
5. Mencegah pencucian uang, membocorkan 5. Preventing money laundering, leak
rahasia perusahaan, dan menjaga company confidential matter and maintain
kerahasiaan informasi nasabah. the confidentiality of customer information.
6. Tidak menyalahgunakan jabatan dan 6. Not abusing individual’s position and
wewenangnya untuk kepentingan pribadi authority for personal or family interests.
maupun keluarga.
7. Tidak melakukan perbuatan tercela yang 7. Not commit disgraceful acts that could
dapat merugikan nasabah maupun Bank. harm customers or the Bank.
8. Senantiasa berusaha untuk meningkatkan 8. Striving to enhance knowledge, especially
pengetahuan, khususnya pada industri in the banking industry.
perbankan.
428 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 431
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Sosialisasi Kode Etik Dissemination of Code of Conduct
Bank secara berkala melakukan kegiatan sosialisasi Kode Etik The Bank periodically conducts dissemination activities of the
Perilaku melalui kegiatan internal serta menyediakan kebijakan kode Code of Conduct through internal activities and provides a code
etik yang dapat dibaca semua karyawan di portal intranet MyAllo. of conduct policy that can be accessed by all employees on the
Sosialisasi kode etik ini bertujuan untuk meningkatkan kesadaran MyAllo intranet portal. The dissemination aims to raise employee
para karyawan untuk terus menjalankan kegiatan operasional secara awareness to carry out operational activities ethically and with
beretika dan berintegritas. integrity.
Budaya Perusahaan Corporate Culture
Dalam menjalankan kegiatan operasional sehari-hari, seluruh Insan In carrying out daily operational activities, all employees of the
Perseroan juga menerapkan nilai-nilai perusahaan, yakni: Company adopt the following values:
1. Data-driven: Kami mengambil keputusan dan memecahkan 1. Data-driven - We make decisions and solve problems based
masalah berdasarkan data dan informasi yang kredibel; on credible data and information;
2. Impact: Kami memberikan solusi dan dampak positif kepada 2. Impact - We provide positive solutions and impact to all
semua stakeholders; stakeholders;
3. Growth: Kami terus menerus tumbuh dan berkembang secara 3. Growth - We continuously grow and develop sustainably for
berkesinambungan untuk masa depan yang lebih baik; a better future;
4. In harmony: Kami bekerjasama dengan semua pihak secara 4. In harmony - We collaborate with all parties harmoniously
harmonis yang berorientasi pada hasil; towards result-oriented;
5. Transparency: Kami berperilaku jujur dan transparan dalam 5. Transparency - We are honest and transparent in all aspects
segala aspek pekerjaan; of our work;
6. Agility: Kami tangkas beradaptasi terhadap semua perubahan 6. Agility - We are nimble in adapting to all changes that occur;
yang terjadi; dan and
7. Learning: Kami terus belajar, berbagi dan menerapkan 7. Learning - We continuously learn, share, and apply new
pengetahuan dan keterampilan baru untuk mengembangkan knowledge and skills to develop our competencies.
kompetensi diri.
Pelanggaran dan Sanksi Violations and Sanctions
Kode Etik Perilaku Bank juga mengatur mengenai sanksi atas The Bank's Code of Conduct also regulates sanctions for violations
pelanggaran yang terjadi sesuai dengan tingkat pelanggaran that occur according to the level of violation committed. Throughout
yang dilakukan. Sepanjang tahun 2024, Bank mendapati adanya 2024, the Bank found any violations of the Code of Conduct in 3
pelanggaran atas Kode Etik Perilaku sebanyak 3 kasus. Seluruh cases. All cases that occurred have been followed up by the Bank in
kasus yang terjadi telah ditindaklanjuti oleh Bank sesuai dengan accordance with applicable provisions. The details of the sanctions
ketentuan yang berlaku. Adapun rincian sanksi yang dikenakan imposed in the last 2 (two) years are as follows:
dalam 2 (dua) tahun terakhir adalah sebagai berikut:
Sanksi 2024 2023
Sanction
Tindakan Disiplin Ringan - 1
Light Disciplinary Action
Tindakan Disiplin Sedang 3 -
Moderate Disciplinary Action
Tindakan Disiplin Berat - -
Severe Disciplinary Action
Jumlah 3 1
Total
2024 Annual Report & Sustainability Report
429
Page 432
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Penerapan Program Implementation of Anti-
Anti Pencucian Uang, Money Laundering,
Pencegahan Pendanaan Counter-Terrorist
Financing, and Counter-
Terorisme dan Pencegahan Proliferation Financing
Pendanaan Proliferasi of Weapons of Mass
Senjata Pemusnah Massal Destruction Program
Sebagai bentuk pemenuhan ketentuan OJK, To comply with the provisions of the OJK, Bank
Bank Indonesia, maupun peraturan perundang- Indonesia, and other laws and regulations, the
undangan lainnya, Direksi dan Dewan Komisaris Board of Directors and Board of Commissioners
berkomitmen penuh untuk memastikan Allo are fully committed to ensuring that Allo Bank
Bank melakukan seluruh kegiatan usahanya carries out all its business activities while
dengan tetap mendukung Anti Pencucian Uang continuing to support Anti-Money Laundering
(APU), Pencegahan Pendanaan Terorisme (PPT) (AML), Countering the Financing of Terrorism
dan Pencegahan Pendanaan Proliferasi Senjata (CFT) and Counter Proliferation Financing of
Pemusnah Massal (PPPSPM). Mass Destruction Weapons (CPF).
Dewan Komisaris melakukan pengawasan The Board of Commissioners actively supervises
secara aktif dalam mengawasi pelaksanaan the implementation of the Board of Directors'
tanggung jawab Direksi terhadap penerapan responsibilities for the implementation of
program APU PPT & PPPSPM, termasuk the AML CFT & CPF program, including
komitmen yang dibuat oleh Allo Bank kepada commitments made by Allo Bank to the
Otoritas Jasa Keuangan/Bank Indonesia serta Financial Services Authority/Bank Indonesia
pelaporan kepada regulator sesuai peraturan and reporting to regulators in accordance with
yang berlaku. Bank senantiasa meningkatkan applicable regulations. The Bank continues to
kualitas penerapan Program APU PPT & improve the quality of the implementation of
PPPSPM, baik melalui pengawasan aktif the AML CFT & CPF Program, both through
dari manajemen, penyempurnaan kebijakan, active supervision from management, policy
penyelenggaraan program pelatihan, improvement, implementation of training
penyempurnaan sistem informasi, maupun programs, improvement of information systems,
inisiatif-inisiatif lainnya. and other initiatives.
Berdasarkan POJK No. 8 Tahun 2023 tentang Based on POJK No. 8 of 2023 concerning the
Penerapan Program Anti Pencucian Uang, Implementation of the Anti-Money Laundering,
Pencegahan Pendanaan Terorisme, dan Prevention of Terrorism Financing, and
Pencegahan Pendanaan Proliferasi Senjata Prevention of Proliferation of Weapons of Mass
Pemusnah Massal di Sektor Jasa Keuangan, Destruction Programs in the Financial Services
Allo Bank telah menerapkan program APU PPT Sector, Allo Bank has implemented the AML
& PPPSPM yang mencakup sejumlah faktor, CFT & CPF program which includes a number
seperti: of factors, such as:
1. Pengawasan Aktif Direksi dan Dewan 1. Active supervision of the Board of Directors
Komisaris. and Board of Commissioners.
2. Kebijakan dan prosedur. 2. Policies and procedures.
3. Pengendalian internal. 3. Internal control.
4. Sistem informasi manajemen. 4. Management information system.
5. SDM dan pelatihan. 5. Human resources and training
430 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 433
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Penerapan Program Anti Pencucian Uang (APU), Implementation of the Anti Money Laundering (AML),
Pencegahan Pendanaan Terorisme (PPT) dan Countering the Financing of Terrorism (CFT) and
Pencegahan Pendanaan Proliferasi Senjata Pemusnah Counter-Proliferation Financing of Weapons of Mass
Massal (PPPSPM) Tahun 2024 Destruction (CPF)
1. Struktur Organisasi dalam Penerapan Program APU PPT & 1. Organizational Structure in Implementing the AML-CFT & CPF
PPPSPM Program
Dalam menerapkan program APU PPT & PPPSPM, Bank In implementing the AML-CFT & CPF program, the Bank
menetapkan Divisi Compliance dan AML-CFT sebagai Unit designated the Compliance and AML-CFT Divisions as
Kerja Khusus (UKK) penerapan program APU PPT & PPPSPM Special Work Units (UKK) for implementing the AML-CFT
yang mana Divisi Compliance dan AML-CFT melapor dan & CPF programs where the Compliance and AML-CFT
bertanggung jawab langsung kepada Direktur yang membawahi Divisions report and are directly responsible to the Director
fungsi kepatuhan di Allo Bank dalam hal ini Direktur Risiko, who oversees the compliance function at Allo Bank, in this
Kepatuhan & Hukum. Selain itu penerapan APU PPT & PPPSPM case the Director of Risk, Compliance & Legal. Apart from that,
juga diterapkan oleh Kepala Bagian Operasional di setiap the implementation of AML-CFT & CPF is also implemented
Kantor Cabang yang memiliki fungsi supervisI dan memastikan by the Head of Operations at each Branch Office who has a
bahwa kegiatan operasional di Kantor Cabang masing-masing supervisory function and ensures that operational activities in
telah sesuai dengan penerapan program APU PPT & PPPSPM. each Branch Office are in accordance with the implementation
of the AML-CFT & CPF program.
Adapun struktur organisasi APU PPT & PPPSPM pada tahun The organizational structure of AML-CFT & CPF in 2023 is
2024 digambarkan sebagai berikut: described as follows:
Risk, Compliance &
Legal Director
Kepala UKK APU & PPT
Head of AML & CTF Unit
Koordinator Officer APU & PPT
Coordinator Officer AML & CTF
Officer Transaction
Officer Advisory
Monitoring & Reporting
Officer APU & PPT Kantor Cabang*
Officer AML & CTF*
2. Program Dalam Penerapan Program APU PPT & PPPSPM 2. Program in Implementing the AML-CFT & CPF Program In
Dalam upaya pencegahan dan meminimalisasi Bank digunakan an effort to prevent and minimize banks being used as a
sebagai sarana pencucian uang, pendanaan terorisme, dan means of money laundering, financing terrorism and funding
pendanaan proliferasi senjata pemusnah massal, maka Allo the proliferation of weapons of mass destruction, Allo Bank
Bank menerapkan program APU PPT & PPPSPM melalui: implements the AML-CFT & CPF program through:
a. Pengawasan Aktif Direksi dan Komisaris a. Active Supervision of Directors and Commissioners
Peran aktif dari Direksi dan Dewan Komisaris sangat The active role of the Board of Directors and Board of
diperlukan dalam menciptakan efektivitas penerapan Commissioners is very necessary in creating effective
Program APU PPT & PPPSPM, mengingat peranan implementation of the AML-CFT & CPF Program,
Direksi dan Dewan Komisaris akan mempengaruhi Tingkat considering that the role of the Directors and Board of
pencapaian tujuan organisasi untuk penerapan Program Commissioners will influence the level of achievement
APU PPT & PPPSPM. Bentuk pengawasan aktif Direksi dan of organizational goals for implementing the AML-CFT &
Dewan Komisaris antara lain sebagai berikut: CPF Program. Forms of active supervision by the Board
of Directors and Board of Commissioners include the
following:
2024 Annual Report & Sustainability Report
431
Page 434
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
• Persetujuan Direksi atas penetapan Divisi Compliance • Approval from the Board of Directors on the
& AML-CFT sebagai UKK yang bertanggung jawab appointment of the Compliance & AML-CFT Division
terhadap penerapan Program APU PPT & PPPSPM; as UKK responsible for implementing the AML-CFT
& CPF Program;
• Persetujuan Direksi dan Dewan Komisaris atas • Approval of the Board of Directors and Board of
Kebijakan APU PPT & PPPSPM; Commissioners on the AML-CFT & CPF Policy;
• Laporan berkala (bulanan, triwulanan, dan semesteran) • Periodic reports (monthly, quarterly and semi-annually)
terkait kewajiban pelaporan dan implementasi Program regarding reporting obligations and implementation of
APU PPT & PPPSPM kepada Direksi dan Dewan the AML-CFT & CPF Program to the Board of Directors
Komisaris; and Board of Commissioners;
• Persetujuan Direksi atas Laporan Rencana dan Realisasi • Approval from the Board of Directors on the Plan and
Pengkinian Data Nasabah; Realization Report on Updating Customer Data;
• AML Forum yang dihadiri Direksi dan Dewan Komisaris • AML Forum attended by the Board of Directors and
untuk membahas pelaksanaan Program APU PPT & Board of Commissioners to discuss the implementation
PPPSPM. of the AML-CFT & CPF Program.
b. Kecukupan dan Efektivitas Kebijakan & Prosedur b. Adequacy and Effectiveness of Policies & Procedures
Bank telah menyusun Kebijakan dan Prosedur APU PPT & The Bank has prepared AML-CFT & CPF Policies and
PPPSPM yang secara berkala dilakukan peninjauan dan Procedures which are regularly reviewed and refined in
penyempurnaan sesuai ketentuan yang berlaku. Untuk accordance with applicable regulations. To strengthen
memperkuat penerapan APU PPT & PPPSPM, maka di the implementation of AML-CFT & CPF, every banking
setiap prosedur produk dan aktivitas perbankan diatur product and activity procedure also regulates procedures
pula prosedur pelaksanaan APU PPT & PPPSPM guna for implementing AML-CFT & CPF to identify and assess
mengidentifikasi dan melakukan penilaian risiko tindak the risk of criminal acts of money laundering, criminal
pidana pencucian uang, tindak pidana pendanaan acts of financing terrorism and/or criminal acts of funding
terorisme dan/atau tindak pidana pendanaan proliferasi the proliferation of weapons of mass destruction for each
senjata pemusnah massal untuk masing-masing produk product or activity. To ensure that the implementation
atau aktivitas. Untuk memastikan implementasi Program of the AML-CFT & CPF Program is running as it should,
APU PPT & PPSPM telah berjalan sebagaimana mestinya supervision is carried out by the Compliance & AML-CFT
maka dilakukan supervisi oleh Divisi Compliance & AML- Division.
CFT.
Kebijakan dan prosedur penerapan program APU PPT The policies and procedures for implementing the AMLCTF
sejalan dan sesuai dengan Peraturan OJK (POJK) No. program are in line with and in accordance with OJK
8 Tahun 2023 tentang Penerapan Program APU PPT Regulation (POJK) No. 8 of 2023 concerning Implementation
& PPPSPM di sektor jasa keuangan, yang antara lain of the AML-CFT & CPF Program in the financial services
mengatur: sector, which among other things regulates:
• Pengawasan Aktif Direksi dan Dewan Komisaris; • Active Supervision of the Board of Directors and Board
of Commissioners;
• Prosedur Customer Due Diligence dan/atau Enhanced • Customer Due Diligence and/or Enhanced Due
Due Diligence terhadap Calon Nasabah/Nasabah/ Diligence procedures for prospective Customers/
Beneficial Owner/Walk in Customer termasuk Customers/Beneficial Owner/Walk in Customers
memastikan bahwa mereka tidak masuk dalam including ensuring that they are not included in the List
Daftar Terduga Teroris dan Organisasi Teroris dan/ of Suspected Terrorists and Terrorist Organizations and/
atau Daftar Proliferasi Senjata Pemusnah Massal dan or the Proliferation of Weapons of Mass Destruction
daftar watchlist lainnya (OFAC List, UN List); List and other watchlists (OFAC List, UN List);
• Penerapan Program APU PPT & PPPSPM berdasarkan • Implementation of the AML-CFT & CPF Program based
pendekatan berbasis risiko (Risk-Based Approach); on a risk-based approach;
• Prosedur Pemantauan Profil dan Transaksi Nasabah; • Customer Profile and Transaction Monitoring
Procedures;
• Pelaksanaan Prosedur Transfer Dana; • Implementation of Fund Transfer Procedures;
• Penatausahaan Dokumen Nasabah dan Transaksi; • Administration of Customer Documents and
Transactions;
• Penerapan Program APU PPT & PPPSPM di Jaringan • Implementation of the AML-CFT & CPF Program on
the Network
• Kantor dan Entitas Anak dalam Konglomerasi • Offices and Subsidiaries in Financial Conglomerates;
Keuangan;
432 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 435
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
• Pengendalian Internal; dan • Internal Control; and
• Sumber Daya Manusia dan Pelatihan. • Human Resources and Training.
c. Pengendalian intern yang efektif dalam penerapan APU c. Effective internal control in implementing AML-CFT & CPF
PPT & PPPSPM antara lain dilakukan dengan: includes, among other things, carried out by:
• Dimilikinya kebijakan dan prosedur APU PPT & • Having AML-CFT & CPF policies and procedures as
PPPSPM serta pemantauan internal yang memadai; well as adequate internal monitoring;
• Adanya batasan wewenang dan tanggung jawab yang • There are clear boundaries of authority and responsibility
jelas terhadap satuan kerja terkait dengan penerapan for work units related to the implementation of the
program APU PPT & PPPSPM baik melalui first line AMLCTF & CPF program either through the first line
of defense (risk taking unit), second line of defense of defense (risk taking unit), second line of defense
maupun third line of defense; dan and third line of defense; and
• Dilakukannya pemeriksaan untuk memastikan • Conducting inspections to ensure the effectiveness of
efektivitas pelaksanaan Program APU PPT & PPPSPM the implementation of the AML-CFT & CPF Program
oleh Satuan Kerja Audit Internal. by the Internal Audit Work Unit.
• Pengembangan sistem aplikasi internal pendukung • Development of an internal application system to
kewajiban pelaporan sesuai dengan requirement format support reporting obligations in accordance with the
pelaporan GoAML PPATK; PPATK GoAML reporting format requirements;
• Pengembangan system interface GoAML dalam • Development of a GoAML interface system to support
mendukung kewajiban pelaporan yang telah reporting obligations that have been adjusted to
disesuaikan dengan ketentuan GoAML; GoAML provisions;
d. Sistem Manajemen Informasi d. Information Management System
Untuk mengoptimalkan pemantauan transaksi dalam To optimize transaction monitoring in the implementation
pelaksanaan Program APU PPT & PPPSPM, Bank secara of the AML-CFT & CPF Program, the Bank continuously
berkelanjutan mengembangkan teknologi sistem informasi, develops information system technology, including:
antara lain:
• Melakukan penyempurnaan sistem dan aplikasi • Improve the supporting systems and applications for
pendukung untuk Anti Money Laundering Detection the Anti Money Laundering Detection System, Terrorist
System, Filtering & Screening Terrorist (DTTOT List), Filtering & Screening (DTTOT List), PEP Screening
PEP Screening Detection dan Customer Due Diligence Detection and Customer Due Diligence Risk Scoring,
Risk Scoring, baik secara batch maupun realtime. AML both in batch and real time. The AML System is used
System digunakan untuk mendukung pelaksanaan to support more optimal implementation of Know Your
Prinsip Mengenal Nasabah yang lebih Optimal, Customer Principles, especially in detecting/monitoring
khususnya dalam pendeteksian/pemantauan transaksi customer transactions that have money laundering and
nasabah yang memiliki pola perilaku dan pola transaksi terrorism financing behavior and transaction patterns.
pencucian uang dan pendanaan terorisme.
• Pengembangan aplikasi pemanfaatan data Politically • Developing an application for utilizing PPATK Politically
Exposed Person (PEP) PPATK; Exposed Person (PEP) data;
• Pengembangan aplikasi KYC untuk melakukan filtering • Developing a KYC application to filter and screen
dan screening calon nasabah terhadap Data Teroris/ prospective customers against Terrorist Data/Terrorist
Terrorist List, Daftar Proliferasi Senjata Pemusnah List, Proliferation of Weapons of Mass Destruction
Massal, PEP List, OFAC List, UN List dan Fraudulent List; List, PEP List, OFAC List, UN List and Fraudulent List;
e. Sumber Daya Manusia dan Pelatihan e. Human Resources and Training
Bank secara berkesinambungan menyelenggarakan The Bank continuously provides training, outreach and
pelatihan, sosialisasi dan Reminder mengenai penerapan reminders regarding the implementation of the AML-CFT
Program APU PPT & PPPSPM kepada seluruh pegawai & CPF Program to all employees on an ongoing basis to
secara berkesinambungan untuk meningkatkan kompetensi, improve competency, including:
antara lain meliputi:
• Pelatihan, metode pelatihan dapat dilakukan secara • Training, training methods can be carried out
elektronik/online base, maupun melalui tatap muka. electronically/online, or face to face.
• Pelaksanaan Supervisi dan Sosialisasi penerapan • Implementation of Supervision and Socialization of
Program APU PPT & PPPSPM. the implementation of the AML-CFT & CPF Program
• Penyampaian Email Blast terkait tipologi, modus • Submission of Email Blast regarding typology, latest
terbaru dan lesson learned terkait APU PPT & PPPSPM modes and lessons learned regarding AML-CFT & CPF
kepada Pegawai Bank. to Bank Employees.
2024 Annual Report & Sustainability Report
433
Page 436
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
f. Melaksanakan program Peningkatan kualitas data nasabah f. Implementing a program to improve customer data quality
g. Menjalin dan membina kerja sama maupun koordinasi g. Establishing and fostering cooperation and coordination
dengan pihak regulator dan Aparat Penegak Hukum, with regulators and Law Enforcement Officials, especially
khususnya dalam pemenuhan permintaan data dan/atau in fulfilling customer data and/or information requests.
informasi nasabah.
h. Berperan aktif dalam program kerja dan kegiatan rezim h. Playing an active role in the work program and activities
APU PPT yang diselenggarakan oleh regulator/pemerintah. of the AML-CFT regime organized by the regulator/
government.
3. Penguatan Program APU PPT & PPPSPM Semakin kompleksnya 3. Strengthening the AML-CFT & CPF Program
produk, jasa dan layanan perbankan, serta meningkatnya The increasing complexity of banking products, services and
penggunaan teknologi digital, hal ini berpotensi meningkatkan services, as well as the increasing use of digital technology,
risiko perbankan untuk digunakannya sebagai sarana pencucian has the potential to increase the risk of banking being used
uang, pendanaan terorisme dan pendanaan proliferasi senjata as a means of money laundering, financing terrorism and
pemusnah massal oleh para pelaku kejahatan. Sehubungan financing the proliferation of weapons of mass destruction by
dengan hal tersebut, Bank perlu memastikan bahwa criminals. In connection with this, the Bank needs to ensure
implementasi APU PPT & PPPSPM telah berjalan dengan baik that the implementation of AML-CFT & CPF has gone well and
dan sesuai dengan ketentuan, selain itu perlu dilakukan upaya in accordance with the provisions, in addition to that efforts
perbaikan dalam pelaksanaannya. need to be made to improve its implementation.
Beberapa inisiatif perbaikan yang dilakukan Bank, antara lain: Several improvement initiatives carried out by the Bank include:
a. Meningkatkan awareness dan kompetensi pegawai terkait a. Raising employee awareness and competence regarding
implementasi APU PPT & PPPSPM; the implementation of AML-CFT & CPF;
b. Melakukan evaluasi proses penerimaan nasabah b. Evaluating the customer acceptance process
c. Melakukan updating atas kebijakan dan prosedur internal c. Updating internal policies and procedures in accordance
sesuai dengan ketentuan yang berlaku. with applicable regulations.
d. Mengembangkan AML system dan aplikasi lainnya untuk d. Developing AML systems and other applications to support
mendukung optimalisasi implementasi APU PPT & PPPSPM the optimization of AML-CFT & CPF implementation
e. Meningkatkan kualitas data nasabah dan analisis pelaporan e. Improving the quality of customer data and reporting
kepada regulator sesuai dengan ketentuan; analysis to regulators in accordance with regulations;
f. Menindaklanjuti seluruh hasil audit baik dari internal f. Follow up on all internal and external audit results related
maupun eksternal terkait dengan implementasi APU PPT to the implementation of AML-CFT & CPF according to
& PPPSPM sesuai dengan waktu yang telah ditetapkan; the specified time;
g. Melakukan koordinasi secara aktif dengan Regulator dan g. Coordinate actively with Regulators and Law Enforcement
Aparat Penegak Hukum dalam pemenuhan permintaan Officials in fulfilling requests for data and providing
data dan pemberian keterangan dalam upaya Pencegahan information in efforts to Prevent and Eradicate Money
dan Pemberantasan Tindak Pidana Pencucian Uang, Laundering, Prevent Terrorism Financing and Prevent
Pencegahan Pendanaan Terorisme dan Pencegahan Funding for the Proliferation of Weapons of Mass
Pendanaan Proliferasi Senjata Pemusnah Massal. Destruction.
434 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 437
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Perlakuan yang Sama
terhadap Seluruh Equal Treatment for All
Pemegang Saham Shareholders
Mengacu pada Undang-Undang Perseroan Referring to the Limited Liability Company Law
Terbatas dan Peraturan OJK yang berlaku, and applicable OJK Regulations, Allo Bank
Allo Bank memastikan bahwa seluruh kegiatan ensures that all its operational activities always
operasionalnya senantiasa memperhatikan pay attention to the principle of equal and equal
prinsip perlakuan yang sama dan setara kepada treatment to all shareholders, such as:
seluruh pemegang saham, seperti:
1. Menyediakan informasi mengenai laporan 1. Provide information regarding financial
keuangan yang dapat diakses pada situs reports that can be accessed on the Bank’s
web Bank. website.
2. Pengumuman, Panggilan Rapat Umum 2. Announcement, invitation to the General
Pemegang Saham yang dilakukan secara Meeting of Shareholders which is made
terbuka melalui situs web bank. openly via the bank’s website.
3. Mempunyai kesempatan yang sama untuk 3. Have the same opportunity to speak at the
bersuara dalam Rapat Umum Pemegang General Meeting of Shareholders.
Saham.
Pemberian Dana
untuk Kegiatan Sosial Providing Funds for Social
dan Politik and Political Activities
Bank memiliki kebijakan yang melarang adanya The Bank has a policy that prohibits the
keterlibatan seluruh Insan Bank dalam kegiatan involvement of all Bank Personnel in active
politik aktif, termasuk dengan memberikan political activities, including providing funds for
dana untuk kepentingan politik. Kebijakan political interests. This policy is implemented to
ini diterapkan untuk menjaga independensi maintain the independence and professionalism
dan profesionalisme Bank dan karyawan. of the Bank and its employees. This policy is also
Kebijakan ini juga sejalan dengan semangat in line with the Bank's dedication to providing
Bank untuk terus memberikan nilai tambah added value to all stakeholders, including social
bagi seluruh pemangku kepentingan, termasuk issues in society that are realized through social
terhadap masalah sosial kemasyarakatan yang and environmental responsibility programs.
diwujudkan melalui program-program tanggung
jawab sosial dan lingkungan.
2024 Annual Report & Sustainability Report
435
Page 438
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Penyediaan Dana
kepada Pihak Terkait Provision of Funds to
dan Penyediaan Related Parties and
Dana Besar Provision of Large Funds
Sebagaimana diatur oleh POJK No. 17 Tahun As regulated by POJK No. 17 of 2023
2023 tentang Penerapan Tata Kelola Bank concerning the Implementation of Conventional
Umum, Bank wajib menerapkan prinsip Bank Governance, Banks are required to apply
kehati-hatian dalam penyediaan dana paling the principle of prudence in providing funds
sedikit dengan menerapkan penyebaran atau at least by implementing the distribution or
diversifikasi portofolio penyediaan dana yang diversification of the portfolio of funds provided.
diberikan. Pengungkapan penyediaan dana Disclosure of the provision of funds to related
kepada pihak terkait (individu atau kelompok, parties (individuals or groups, including the
termasuk Direksi, Dewan Komisaris, Pejabat Board of Directors, Board of Commissioners,
Eksekutif Bank, serta pihak terkait lainnya) Bank Executive Officers, and other related
dan penyediaan dana besar (large exposure) parties) and the provision of large exposure
mengacu pada SEOJK No. 13/SEOJK.03/2017 refers to SEOJK No. 13/SEOJK.03/2017
tentang Penerapan Tata Kelola bagi Bank Umum concerning the Implementation of Governance
bagian Transparansi Penerapan Tata Kelola. for Conventional Bank, section on Transparency
Dalam penyediaan dana kepada pihak terkait of Governance Implementation. In providing
dan penyediaan dana besar, Allo Bank selalu funds to related parties and providing large
menerapkan prinsip kehati-hatian dan dilakukan funds, Allo Bank always applies the principle
sesuai dengan ketentuan yang berlaku. of prudence and is carried out in accordance
with applicable provisions.
Kebijakan Penyediaan Dana kepada Policy on Providing Funds to Related
Pihak Terkait dan Penyediaan Dana Parties and Providing Large Funds
Besar
Penyediaan dana kepada pihak terkait dan Provision of funds to related parties and to
kepada debitur dalam jumlah besar senantiasa debtors in large amounts is always carried out
dilakukan dengan memperhatikan prinsip by paying attention to the principle of prudence,
kehati-hatian, melalui proses review dan through a review process and mechanisms
mekanisme yang sesuai dengan kebijakan Bank in accordance with Bank policies and has
serta telah memenuhi ketentuan OJK maupun complied with OJK provisions and applicable
peraturan perundang-undangan yang berlaku, laws and regulations, including aspects of the
antara lain menyangkut aspek Batas Maksimum Maximum Credit Limit (BMPK).
Pemberian Kredit (BMPK).
436 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 439
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Untuk transaksi material dengan pihak terkait dan transaksi For material transactions with related parties and transactions
yang berpotensi menimbulkan benturan kepentingan bagi Bank, that have the potential to cause a conflict of interest for the Bank,
persetujuan Dewan Komisaris wajib didasari oleh rekomendasi the approval of the Board of Commissioners must be based on
dari Komite Audit yang diberikan sebelum melakukan transaksi recommendations from the Audit Committee given before making
material dengan pihak afiliasi. Penyediaan dana besar harus material transactions with affiliated parties. The provision of large
dianalisa kelayakannya minimum sama atau lebih berhati-hati funds must be analyzed for its feasibility at least as carefully or more
(prudent) daripada penyediaan dana kepada debitur umum. Syarat prudently than the provision of funds to general debtors. The terms
dan ketentuan penyediaan dana diterapkan adalah sesuai dengan and conditions for the provision of funds applied are in accordance
ketentuan dan prosedur perkreditan yang berlaku di Allo bank. with the provisions and credit procedures applicable at Allo Bank.
Pelaporan rutin BMPK kepada OJK atau Bank Indonesia dilakukan Routine reporting of BMPK to OJK or Bank Indonesia is carried out
secara tepat waktu. Sepanjang tahun 2024 tidak terdapat in a timely manner. Throughout 2024 there were no violations or
pelanggaran atau pelampauan atas BMPK (Batas Maksimum exceedances of BMPK (Maximum Credit Limit). Provision of Funds
Pemberian Kredit). Penyediaan Dana kepada Pihak Terkait (Related to Related Parties and to Individual and Group Core Debtors (Large
Party) dan kepada Debitur Inti Individu dan Grup (Large Exposure) Exposure) at the Bank during 2024:
di Bank selama tahun 2024:
Jumlah
Total
Penyediaan Dana
Provision of Funds
Debitur/Grup Nominal (Rp)
Debtors/Group Nominal (IDR)
Kepada Pihak Terkait 32 641.555
To Related Parties
Kepada Debitur Inti:
To Core Debtors:
Individu 3 115.272
Individual
Grup 7 5.420.788
Group
2024 Annual Report & Sustainability Report
437
Page 440
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Buy Back Share
dan/atau Buyback Buy Back Shares and/or
Obligasi Bank Buyback Bank Bonds
Per 31 Desember 2024, Allo Bank tidak As of December 31, 2024, Allo Bank did not
melakukan pembelian kembali atas saham buy back shares and/or bonds issued. Thus,
dan/atau obligasi yang diterbitkan. Dengan no information regarding this matter can be
demikian, tidak terdapat informasi mengenai presented in this Annual Report.
hal tersebut yang dapat disajikan dalam Laporan
Tahunan ini.
Transaksi yang
Mengandung Transactions Involving
Benturan Kepentingan Conflicts of Interest
Sampai dengan akhir tahun 2024, tidak As of the end of 2024, there were no
terdapat transaksi yang mengandung benturan transactions containing conflicts of interest that
kepentingan yang memberi dampak secara had a material impact, either from the financial
material, baik dari sisi keuangan maupun or operational side of the Bank. However, the
operasional Bank. Meski demikian, Bank Bank has activities in the form of transactions
memiliki aktivitas berupa transaksi dengan pihak with affiliated parties in the business group.
afiliasi dalam grup usaha.
Seluruh transaksi afiliasi telah diproses sesuai All affiliated transactions have been processed in
ketentuan dan didukung dengan Perjanjian accordance with the provisions and supported
Kerjasama serta diadministrasikan dengan baik by the Cooperation Agreement and are properly
oleh Bank dan dilakukan secara wajar (arm’s administered by the Bank and carried out fairly
length principle), sebagaimana disajikan dalam (arm's length principle), as presented in the
tabel berikut: following table:
Pihak yang Total Transaksi
Total Transaction
Memiliki Pihak Penyewa Deskripsi Sewa
No. Gedung Tenant Rental Description 2024 2023
Building Owner (Rp Juta) (Rp Juta)
Party (IDR Million) (IDR Million)
1 PT Bank Mega PT Allo Bank Ruang Kantor untuk kegiatan Operasional Perseroan 10.485 9,776
Tbk Indonesia Tbk Office space for the Company’s operational activities
2 PT Ekosistem PT Allo Bank Penyelenggaraan acara Perseroan 5.363 -
Kreatif Indonesia Indonesia Tbk Company’s event organization
3 PT Asuransi PT Allo Bank Program benefit asuransi 510 -
Umum Mega Indonesia Tbk Insurance benefit program
438 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 441
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Program
Kepemilikan Saham Share Ownership
Program for Management
oleh Manajemen and/or Employees
dan/atau Karyawan
Per 31 Desember 2024, Bank tidak memiliki As of December 31, 2024, the Bank does not
program kepemilikan saham oleh manajemen have any management and/or employee stock
dan/atau karyawan. Dengan demikian, tidak ownership program. Therefore, there is no
terdapat informasi terkait hal tersebut yang information related to this that can be presented
dapat disajikan dalam Laporan Tahunan ini. in this Annual Report.
Internal
Fraud Internal Fraud
Allo Bank melakukan berbagai upaya Allo Bank makes various efforts to prevent the
pencegahan terhadap kemungkinan terjadinya possibility of internal fraud, including by:
internal fraud, diantaranya dengan cara:
1. Menyelenggarakan sosialisasi dan training 1. Organizing online or offline dissemination
secara online atau offline kepada seluruh and training for all employees.
karyawan.
2. Melakukan diskusi secara reguler dengan 2. Holding regular discussions with
dengan manajemen untuk meningkatkan management to improve fraud detection
kemampuan deteksi fraud. capabilities.
3. Melakukan investigasi kasus fraud dan 3. Investigating fraud cases and providing
memberikan rekomendasi perbaikan recommendations for appropriate
yang tepat agar kasus fraud tidak terulang improvements so that fraud cases do not
kembali. recur.
4. Penandatanganan Kode Etik oleh seluruh 4. Signing of the Code of Conduct by
karyawan sebagai komitmen menjalankan all employees as a commitment to
budaya anti fraud implementing an anti-fraud culture.
5. Memberikan sanksi tegas kepada 5. Giving strict sanctions to employees
karyawan yang terlibat kasus fraud secara involved in fraud cases directly or indirectly
langsung ataupun tidak langsung sebagai as a learning experience and deterrent for
pembelajaran dan efek jera bagi karyawan other employees.
lain.
6. Melakukan fungsi Know Your Employee, 6. Carrying out the Know Your Employee
salah satunya dengan melakukan function, one of which is by conducting a
pemeriksaan slik untuk setiap calon ‘slik’ check for each prospective employee
karyawan dan karyawan existing setiap and existing employee every year.
tahunnya.
7. Menerbitkan fraud alert atau fraud 7. Publishing fraud alerts or fraud awareness
awareness berupa tulisan dan disebarkan in writing and distributed via e-mail
melalui e-mail dan desktop wallpaper and desktop wallpaper that informs all
yang menginformasikan kepada seluruh employees about the risk of fraud.
karyawan tentang risiko fraud.
2024 Annual Report & Sustainability Report
439
Page 442
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Jumlah kasus penyimpangan internal fraud selama periode Tahun The number of internal fraud cases during the 2024 period was
2024 adalah nihil , sesuai dengan pelaporan Pelaporan Penerapan zero, in accordance with the reporting of the Implementation of
Strategi Anti Fraud Semester I dan Semester II tahun 2024 ke the Anti-Fraud Strategy for Semester I and Semester II of 2024
OJK. Bank telah memiliki dan menjalankan fungsi deteksi melalui to the OJK. The Bank has had and is implementing a detection
Whistleblowing System dan Unit Kerja Anti Fraud telah melakukan function through the Whistleblowing System and the Anti-Fraud
fungsi investigasi sesuai dengan penerapan Strategi Anti-Fraud. Work Unit has carried out an investigation function in accordance
with the implementation of the Anti-Fraud Strategy.
Kebijakan Anti
Korupsi Anti-Corruption Policy
Dewan Komisaris, Direksi, serta seluruh Insan The Board of Commissioners, Board of
Bank senantiasa menjunjung tinggi persaingan Directors, and all Bank Personnel always
yang fair, nilai sportifitas dan profesionalisme, uphold fair competition, sportsmanship and
serta prinsip-prinsip GCG. Perusahaan juga professionalism values, and GCG principles.
berkomitmen untuk menciptakan iklim usaha The Company is also committed to creating a
yang sehat, menghindari tindakan, perilaku favorable business climate, avoiding actions,
ataupun perbuatan-perbuatan yang dapat behaviors or deeds that can cause conflicts of
menimbulkan konflik kepentingan, Korupsi, interest, Corruption, Collusion, and Nepotism
Kolusi, dan Nepotisme (KKN) serta selalu (KKN) and always putting forward the interests of
mengutamakan kepentingan Bank di atas the Bank above personal, family, group or class
kepentingan pribadi, keluarga, kelompok interests. The Bank also always pays attention
maupun golongan. Bank juga senantiasa to anti-corruption policies as stated in Law No.
memperhatikan kebijakan tentang anti korupsi 20 of 2001 concerning Amendments to Law
seperti yang tertulis dalam Undang Undang No. 31 of 1999 concerning the Eradication of
No. 20 Tahun 2001 tentang Perubahan atas Criminal Acts of Corruption.
Undang-Undang No. 31 Tahun 1999 tentang
Pemberantasan Tindak Pidana Korupsi.
Prinsip-prinsip dari kebijakan anti suap dan The principles of the anti-bribery and corruption
korupsi telah disusun dalam Kode Etika Perilaku policy have been formulated in the Code of
(Code of Conduct) yang menjabarkan nilai- Conduct which outlines the values adopted
by
nilai yang dianut oleh Bank serta menetapkan the Bank and sets the standards of behavior for
standar perilaku seluruh jajaran Allo Bank dan all levels of Allo Bank and as a form of statement
sebagai salah satu bentuk pernyataan prinsip of principles and commitment of the Bank in
dan komitmen Bank dalam mendukung praktik supporting anti-bribery and corruption practices
anti suap dan korupsi yang dikategorikan juga which are also categorized as fraudulent acts.
sebagai tindakan kecurangan. Penerapan Kode The implementation of the Code of Conduct also
Etik ini juga bertujuan untuk melindungi Bank aims to protect the Bank and all employees from
dan seluruh karyawan dari dampak negatif negative impacts such as legal risks, financial
seperti risiko hukum, kerugian finansial, reputasi losses, negative reputation and to maintain the
negatif dan untuk menjaga kepercayaan seluruh trust of all shareholders, stakeholders and the
pemegang saham, pemangku kepentingan, dan wider community.
masyarakat luas.
440 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 443
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Sistem Pelaporan
Whistleblowing Whistleblowing Reporting System
Allo Bank berkomitmen untuk mewujudkan Allo Bank is committed to realizing
Tata Kelola Perusahaan yang Baik secara comprehensive Good Corporate Governance.
komprehensif. Untuk itu, Bank telah To that end, the Bank has a mechanism to
memiliki mekanisme untuk mengelola dan manage and follow up on all types of actions
menindaklanjuti segala jenis tindakan yang that violate the company's rules and values with
melanggar aturan dan nilai-nilai perusahaan the principle of confidentiality of the reporter
dengan prinsip kerahasiaan pelapor dalam in the Whistleblowing System.
Sistem Pelaporan Pelanggaran (Whistleblowing
System).
Sistem Pelaporan Pelanggaran Bank dikelola The Bank's Whistleblowing System is managed
oleh Fraud Management yang mengacu pada by Fraud Management which refers to a number
sejumlah ketentuan, yaitu: of provisions, namely:
1. Peraturan OJK No. 55/POJK.03/2016 1. OJK Regulation No. 55/POJK.03/2016
tentang Penerapan Tata Kelola bagi Bank concerning the Implementation of
Umum. Governance for Conventional Bank.
2. Peraturan OJK No. 12 tahun 2024 tentang 2. OJK Regulation No. 12 of 2024 concerning
Penerapan Strategi Anti-Fraud bagi the Implementation of Anti-Fraud Strategies
Lembaga Jasa Keuangan. for Financial Services Institutions.
Bank senantiasa memastikan perlindungan bagi The Bank always ensures protection for the
Pelapor dengan memastikan setiap laporan Whistleblower by ensuring that every report is
dijaga dan dijamin kerahasiaannya. Bagi pihak- maintained and guaranteed confidentiality. For
pihak yang melihat atau mengetahui adanya parties who see or know of any indications of
indikasi pelanggaran atau fraud di lingkungan violations or fraud in the Bank's environment,
Bank dapat mengirimkan laporannya melalui they can send their reports through the WBS
kanal WBS yang disediakan oleh Bank, antara channel provided by the Bank, including:
lain:
E-mail: whistleblow@allobank.com E-mail: whistleblow@allobank.com
WhatsApp: 082208242401 WhatsApp: 082208242401
Di tahun 2024, Bank mendapatkan laporan In 2024, the Bank received reports received
yang masuk melalui mekanisme WBS dengan through the WBS mechanism with the following
rincian sebagai berikut: details:
Penjelasan Jumlah
Explanation Total
Jumlah pengaduan yang masuk 3
Number of complaints resolved
Terindikasi Fraud 0
Indicated as Fraud
Tidak terindikasi Fraud 3
Not indicated as Fraud
2024 Annual Report & Sustainability Report
441
Page 444
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Kesesuaian Penerapan
Conformity of Allo Bank
GCG Allo Bank Terhadap GCG Implementation with
Pedoman Tata Kelola Governance Guidelines for
Perusahaan Terbuka Public Companies
Sebagai Perusahaan Terbuka, Allo Bank As a Public Company, Allo Bank is committed to
berkomitmen menerapkan Pedoman Tata implementing the Public Company Governance
Kelola Perusahaan Terbuka yang mencakup Guidelines which cover 5 (five) aspects, 8 (eight)
5 (lima) aspek, 8 (delapan) prinsip Tata Kelola principles of Good Corporate Governance,
Perusahaan yang Baik, serta 25 (dua puluh lima) and 25 (twenty five) recommendations for
rekomendasi penerapan aspek dan prinsip Tata implementing aspects and principles of Good
Kelola Perusahaan yang Baik, sebagaimana Corporate Governance, as stipulated in OJK
yang diatur dalam Peraturan OJK No. 21/ Regulation No. 21/POJK.04/2015 concerning
POJK.04/2015 tentang Penerapan Pedoman the Implementation of Public Company
Tata Kelola Perusahaan Terbuka dan Surat Governance Guidelines and OJK Circular
Edaran OJK No. 32/SEOJK.04/2015 tentang Letter No. 32/SEOJK.04/2015 concerning the
Pedoman Tata Kelola Perusahaan Terbuka. Guidelines for Public Company Governance.
Penerapan Pedoman Tata Kelola Perusahaan The implementation of the Public Company
Terbuka di lingkup Bank pada tahun 2024 Governance Guidelines within the Bank in 2024
adalah sebagai berikut: is as follows:
Aspek I. Hubungan Perusahaan Terbuka dengan Pemegang Saham dalam Menjamin Hak-hak Pemegang Saham
Aspect I. Relationship of Publicly Listed Company with Shareholders in Guaranteeing Shareholders Rights.
Pemenuhan:
Prinsip Rekomendasi Terpenuhi atau Jelaskan
Principle Recommendation Compliance:
Comply or Explain
Prinsip 1 Perusahaan Terbuka memiliki cara Terpenuhi | Comply
Meningkatkan Nilai atau prosedur teknis pengumpulan
Penyelenggaraan suara (voting) baik secara Bank memiliki prosedur teknis pemungutan suara yang terdapat dalam tata
RUPS. terbuka maupun tertutup yang tertib RUPS. Mekanisme pemungutan suara disediakan bagi pemegang saham
mengedepankan independensi, yang hadir secara fisik maupun secara elektronik melalui aplikasi eASY.KSEI.
Principle 1 dan kepentingan pemegang
Increase the Value of saham. The Bank has a technical procedure for voting contained in the GMS rules
GMS Holding. of procedure. The voting mechanism is provided for shareholders who are
Public Company has technical physically present or electronically through the eASY.KSEI application.
procedures for voting either
open or closed that promote Penghitungan hasil pemungutan suara dilakukan oleh pihak independen yaitu
independence and the interests of Biro Administrasi Efek PT Datindo Entrycom dan Notaris Dharma Akhyuzi.
shareholders. Dengan demikian independensi dan kepentingan pemegang saham dapat
terjaga dalam proses pemungutan suara tersebut.
The counting of the voting results was carried out by an independent party,
namely the Securities Administration Bureau of PT Datindo Entrycom and
Notary Dharma Akhyuzi. Thus, the independence and interests of shareholders
can be maintained in the voting process.
Tata Tertib RUPS dan tata cara voting di lokasi RUPS telah diunggah dalam
situs web Bank sebelum RUPS dan dibagikan kepada pemegang saham saat
memasuki ruang RUPS, serta dibacakan pada saat RUPS dimulai.
The GMS Rules of Procedure and voting procedures at the GMS location
have been uploaded to the Bank's website prior to the GMS and distributed to
shareholders upon entering the GMS room, and read out when the GMS begins.
442 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 445
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Pemenuhan:
Prinsip Rekomendasi Terpenuhi atau Jelaskan
Principle Recommendation Compliance:
Comply or Explain
Seluruh anggota Direksi dan Terpenuhi | Comply
anggota Dewan Komisaris
Perusahaan Terbuka hadir dalam Seluruh anggota Direksi dan Dewan Komisaris Bank hadir dalam RUPST
RUPST. tanggal 31 Mei 2024 dan dapat mewakili Bank untuk memberikan penjelasan
kepada pemegang saham atas setiap agenda RUPST.
All members of the Board All members of the Board of Directors and Board of Commissioners of the
of Directors and Board of Bank were present at the AGMS on May 31, 2024 and were able to represent
Commissioners of Public Company the Bank to provide explanations to shareholders on each agenda of the
attend in the AGMS. AGMS.
Ringkasan risalah RUPS tersedia Terpenuhi | Comply
dalam Situs Web Perusahaan
Terbuka paling sedikit selama 1 Bank mengunggah Ringkasan Risalah RUPS seusai penyelenggaraan RUPS ke
(satu) tahun. situs web Bank dengan mematuhi ketentuan yang berlaku. Ringkasan Risalah
RUPS tersedia di situs web Bank, baik dalam bahasa Indonesia maupun
Summary minutes of the AGMS bahasa Inggris.
are available on the website of the
Public Company for at least 1 (one) The Bank uploads the Summary of the GMS Minutes after the GMS is held to
year. the Bank's website in compliance with applicable provisions. The Summary of
the GMS Minutes is available on the Bank's website, both in Indonesian and
English.
Prinsip 2 Perusahaan Terbuka memiliki suatu Terpenuhi | Comply
Meningkatkan kebijakan komunikasi dengan
Kualitas Komunikasi pemegang saham atau investor. Bank memiliki berbagai platform komunikasi kepada pemegang saham.
Perusahaan Terbuka Komunikasi yang dilakukan oleh Bank diantaranya melalui pelaksanaan
dengan Pemegang Public Company has a RUPS, Paparan Publik (Public Expose), publikasi Laporan Keuangan Bulanan,
Saham atau Investor. communication policy with Triwulanan dan Tahunan, Laporan Eksposur Risiko dan Permodalan, serta
shareholders or investors. melakukan keterbukaan informasi secara akurat dan tepat waktu. Bank juga
Principle 2 menyediakan informasi alamat kantor pusat dan cabang, alamat e-mail dan
Increase the Quality nomor telepon baik dalam situs web maupun Laporan Tahunan, akun Media
of Public Company’s Sosial, dan Contact Center sebagai sarana bagi pemegang saham maupun
Communications stakeholders lainnya agar dapat melakukan komunikasi dengan Bank secara
with Shareholders or mudah.
Investors.
The Bank has various communication platforms to shareholders.
Communications conducted by the Bank include through the implementation
of GMS, Public Expose, publication of Monthly, Quarterly and Annual Financial
Reports, Risk Exposure and Capital Reports, and conducting accurate and
timely information disclosure. The Bank also provides information on the
addresses of head offices and branches, e-mail addresses and telephone
numbers both on the website and Annual Report, Social Media accounts, and
Contact Centers as a means for shareholders and other stakeholders to be
able to communicate with the Bank easily.
Perusahaan Terbuka Terpenuhi | Comply
mengungkapkan kebijakan
komunikasi Perusahaan Terbuka Bank menyediakan akses keterbukaan informasi melalui situs web resmi
dengan pemegang saham atau Perusahaan.
investor dalam Situs Web.
The Bank provides access to information transparency on its official website.
Public Company discloses
communication policy with
shareholders or investors on the
Website
2024 Annual Report & Sustainability Report
443
Page 446
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Aspek II. Fungsi dan Peran Dewan Komisaris
Aspect II. Function and Role of the Board of Commissioners
Pemenuhan:
Prinsip Rekomendasi Terpenuhi atau Jelaskan
Principle Recommendation Compliance:
Comply or Explain
Prinsip 3 Penentuan jumlah anggota Dewan Terpenuhi | Comply
Memperkuat Komisaris mempertimbangkan
Keanggotaan dan kondisi Perusahaan Terbuka. Bank telah memenuhi ketentuan yang berlaku bagi Perusahaan berdasarkan
Komposisi POJK No. 33/POJK.04/2014. Jumlah anggota Dewan Komisaris Bank
Dewan Komisaris. Determination of the number of the berjumlah 3 orang, dimana 2 orang diantaranya merupakan Komisaris
Board of Commissioners members Independen. Jumlah anggota Dewan Komisaris Bank tidak melebihi jumlah
Principle 3 has considered the Public anggota Direksi.
Strengthen Company’s condition.
Membership and The Bank has complied with the provisions applicable to the Company based
Composition on POJK No. 33/POJK.04/2014. The number of members of the Bank's Board
of the Board of of Commissioners is 3 people, of which 2 are Independent Commissioners.
Commissioners. The number of members of the Bank's Board of Commissioners does not
exceed the number of members of the Board of Directors.
Penentuan komposisi anggota Terpenuhi | Comply
Dewan Komisaris memperhatikan
keberagaman keahlian, Dewan Komisaris Bank memiliki latar belakang yang beragam dalam hal
pengetahuan, dan pengalaman keahlian, pengetahuan dan pengalaman yang saling melengkapi dan bertujuan
yang dibutuhkan. untuk mendukung perkembangan bisnis Bank. Hal tersebut dapat dilihat dari
profil masing-masing Dewan Komisaris.
Determination of Board of
Commissioners Composition The Bank's Board of Commissioners has a diverse background in terms of
has considered the diversity of expertise, knowledge and experience that complement each other and aim to
skills, knowledge and experience support the Bank's business development. This can be seen from the profile of
required. each Board of Commissioners.
Prinsip 4 Dewan Komisaris mempunyai Terpenuhi | Comply
Meningkatkan kebijakan penilaian sendiri (self-
Kualitas Pelaksanaan assessment) untuk menilai kinerja Kebijakan penilaian kinerja Dewan Komisaris dan Komite di tingkat Dewan
Tugas Dewan Komisaris. Komisaris telah diatur dalam Piagam Komite Remunerasi dan Nominasi yang
dan Tanggung dapat diakses melalui situs web Bank, serta diungkapkan dalam Bab Laporan
Jawab Dewan The Board of Commissioners has Tata Kelola Perusahaan pada Laporan Tahunan ini.
Komisaris. its own self-assessment policy to
assess the performance of the The performance assessment policy of the Board of Commissioners and
Principle 4 Board of Commissioners. Committees at the Board of Commissioners level has been regulated in the
Enhance the Remuneration and Nomination Committee Charter which can be accessed
Quality of Board through the Bank's website, and is disclosed in the Corporate Governance
of Commissioners Report Chapter of this Annual Report.
Duties and
Kebijakan penilaian sendiri (self- Terpenuhi | Comply
Responsibilities
assessment) untuk menilai kinerja
Implementation.
Dewan Komisaris, diungkapkan Kebijakan penilaian kinerja Dewan Komisaris telah diatur dalam Piagam Komite
melalui Laporan Tahunan Remunerasi dan Nominasi, serta diungkapkan dalam Bab Laporan Tata Kelola
Perusahaan Terbuka. Perusahaan pada Laporan Tahunan ini.
The self-assessment policy for The Board of Commissioners' performance assessment policy has been
assessing the performance of regulated in the Remuneration and Nomination Committee Charter, and is
the Board of Commissioners is disclosed in the Corporate Governance Report Chapter of this Annual Report.
disclosed through the Annual
Report of the Public Company.
Dewan Komisaris mempunyai Terpenuhi | Comply
kebijakan terkait pengunduran diri
anggota Dewan Komisaris apabila Piagam Dewan Komisaris Bank telah mengatur bagi anggota Dewan Komisaris
terlibat dalam kejahatan keuangan. yang terlibat dalam kejahatan keuangan dan/atau tindak pidana lainnya agar
mengundurkan diri dari jabatannya.
The Board of Commissioners has
a policy regarding the resignation The Bank's Board of Commissioners Charter has stipulated that members of
of members of the Board of the Board of Commissioners who are involved in financial crimes and/or other
Commissioners if they are involved criminal acts must resign from their positions.
in financial crimes.
444 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 447
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Pemenuhan:
Prinsip Rekomendasi Terpenuhi atau Jelaskan
Principle Recommendation Compliance:
Comply or Explain
Dewan Komisaris atau Komite yang Terpenuhi | Comply
menjalankan fungsi Remunerasi
dan Nominasi menyusun kebijakan Kebijakan suksesi telah diatur dalam Piagam Komite Remunerasi dan
suksesi dalam proses Nominasi Nominasi. Nominasi anggota Dewan Komisaris, Direksi dan Pihak Independen
anggota Direksi. sebagai anggota Komite Dewan Komisaris serta diungkapkan juga dalam
Laporan Tahunan ini.
The Board of Commissioners or
the Committee that carries out the The succession policy has been regulated in the Remuneration and
Remuneration and Nomination Nomination Committee Charter. Nomination of members of the Board of
function prepares a succession Commissioners, Directors and Independent Parties as members of the Board
policy in the nomination process of Commissioners Committee and also disclosed in this Annual Report.
for members of the Board of
Directors.
Aspek III. Fungsi dan Peran Direksi
Aspect III. Function and Role of the Board of Directors
Pemenuhan:
Prinsip Rekomendasi Terpenuhi atau Jelaskan
Principle Recommendation Compliance:
Comply or Explain
Prinsip 5 Penentuan jumlah anggota Terpenuhi | Comply
Memperkuat Direksi mempertimbangkan
Keanggotaan dan kondisi Perusahaan Terbuka serta Proses nominasi anggota Direksi Bank dilakukan dengan mempertimbangkan
Komposisi Direksi. efektivitas dalam pengambilan Kondisi keuangan dan kemampuan Bank serta kebutuhan organisasi dan
keputusan. kompleksitas Bank. Direksi Bank berjumlah 5 orang, yang melebihi jumlah
Principle 5 anggota Dewan Komisaris.
Strengthening the Determination of the number of
Membership and the Board of Directors members The nomination process for members of the Bank's Board of Directors is
Composition of the has considered Public Company's carried out by considering the Bank's financial condition and capabilities as
Board of Directors. condition and effectiveness in well as the Bank's organizational needs and complexity. The Bank's Board of
decision making. Directors consists of 5 people, which exceeds the number of members of the
Board of Commissioners.
Penentuan komposisi anggota Terpenuhi | Comply
Direksi memperhatikan
keberagaman keahlian, Direksi Bank memiliki latar belakang yang beragam dalam hal keahlian,
pengetahuan, dan pengalaman pengetahuan dan pengalaman yang bersifat saling melengkapi, dengan
yang dibutuhkan. jumlah anggota Direksi sesuai dengan kebutuhan, ukuran, dan kompleksitas
usaha Bank. Keberagaman tersebut dapat dilihat dari profil masing-masing
Determination of the composition Direksi.
of Board of Directors members
has considered diversity of skills, The Bank's Board of Directors has a diverse background in terms of expertise,
knowledge, and experience knowledge and experience that are complementary, with the number of Board
needed. of Directors members according to the needs, size and complexity of the
Bank's business. This diversity can be seen from the profile of each Director.
Anggota Direksi yang membawahi Terpenuhi | Comply
bidang akuntansi atau keuangan
memiliki keahlian dan/atau Direktur Keuangan, Operasional dan SDM sebelumnya menjabat berbagai
pengetahuan di bidang akuntansi. posisi senior dalam beragam aspek operasional Bank dan telah memenuhi
kriteria memiliki keahlian dan/atau pengetahuan di bidang akuntansi dan/atau
Board of Directors Member in keuangan.
charge of accounting or finance
has expertise and/or knowledge in The Director of Finance, Operations and HR previously held various senior
accounting. positions in various aspects of the Bank's operations and has met the criteria of
having expertise and/or knowledge in the field of accounting and/or finance.
2024 Annual Report & Sustainability Report
445
Page 448
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Pemenuhan:
Prinsip Rekomendasi Terpenuhi atau Jelaskan
Principle Recommendation Compliance:
Comply or Explain
Prinsip 6 Direksi mempunyai kebijakan Terpenuhi | Comply
Meningkatkan penilaian sendiri (self-assessment)
Kualitas Pelaksanaan untuk menilai kinerja Direksi. Kebijakan penilaian kinerja Direksi telah diatur dalam Piagam Komite
Tugas dan Remunerasi dan Nominasi, yang dapat diakses melalui situs web Bank.
Tanggung Jawab Board of Directors has its own self-
Direksi. assessment policy to assess their The Board of Directors' performance assessment policy has been regulated in
performance. the Remuneration and Nomination Committee Charter, which can be accessed
Principle 6 via the Bank's website.
Enhance the
Kebijakan penilaian sendiri (self- Terpenuhi | Comply
Quality of Board
assessment) untuk menilai kinerja
of Directors Duties
Direksi diungkapkan melalui Kebijakan penilaian kinerja Direksi telah diatur dalam Piagam Komite
and Responsibilities
laporan tahunan Perusahaan Remunerasi dan Nominasi, serta diungkapkan pada Bab Laporan Tata Kelola
Implementation
Terbuka. Perusahaan di Laporan Tahunan ini.
Self-assessment policy to assess The Board of Directors' performance assessment policy has been regulated in
the Board of Directors performance the Remuneration and Nomination Committee Charter, and is disclosed in the
is disclosed through annual report Corporate Governance Report Chapter of this Annual Report.
of Public Company.
Direksi mempunyai kebijakan terkait Terpenuhi | Comply
pengunduran diri anggota Direksi
apabila terlibat dalam kejahatan Piagam Direksi Bank telah mengatur bagi anggota Direksi yang terlibat dalam
keuangan. kejahatan keuangan dan/atau tindak pidana lainnya agar mengundurkan diri
dari jabatannya.
Board of Directors has a policy
regarding resignation of the Board The Bank's Board of Directors Charter has stipulated that members of the
of Directors members engaged in Board of Directors who are involved in financial crimes and/or other criminal
financial crime acts must resign from their positions.
Aspek IV: Partisipasi Pemangku Kepentingan
Aspect IV: Stakeholders' Participation
Pemenuhan:
Prinsip Rekomendasi Terpenuhi atau Jelaskan
Principle Recommendation Compliance:
Comply or Explain
Prinsip 7 Perusahaan Terbuka memiliki Terpenuhi | Comply
Meningkatkan kebijakan untuk mencegah
Aspek Tata Kelola terjadinya insider trading. Untuk mencegah terjadinya Insider Trading, Bank telah memiliki kebijakan dan
Perusahaan melakukan pengecekan kepatuhan terhadap aktivitas bisnis, operasional dan
melalui Partisipasi Public Company has a policy to bidang-bidang lainnya yang penting termasuk kepatuhan terhadap aturan
Pemangku prevent insider trading. Larangan Perdagangan dengan informasi orang dalam.
Kepentingan
To prevent insider trading, the Bank has policies and carries out compliance
Principle 7 checks on business activities, operations and other important areas,
Improve Corporate including compliance with the rules on the Prohibition of Trading with Insider
Governance Information.
Aspect through
Stakeholders’
participation
446 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 449
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Pemenuhan:
Prinsip Rekomendasi Terpenuhi atau Jelaskan
Principle Recommendation Compliance:
Comply or Explain
Perusahaan Terbuka memiliki Terpenuhi | Comply
kebijakan anti korupsi dan anti
fraud. Bank telah memiliki Unit Anti Fraud yang bertugas merumuskan kerangka kerja,
tata Kelola dan penerapan strategi anti korupsi dan anti-fraud. Penjelasan lebih
Public Company has anti- lanjut mengenai peran unit Anti Fraud telah diungkapkan pada Bab Laporan
corruption and anti-fraud policy. Tata Kelola Perusahaan di Laporan Tahunan ini.
The Bank has an Anti Fraud Unit tasked with formulating the framework,
governance and implementation of anti-corruption and anti-fraud strategies.
Further explanation of the role of the Anti Fraud Unit has been disclosed in the
Corporate Governance Report Chapter of this Annual Report.
Perusahaan Terbuka memiliki Terpenuhi | Comply
kebijakan tentang seleksi dan
peningkatan kemampuan pemasok Bank telah memiliki Kebijakan tentang kualifikasi, verifikasi dan evaluasi
atau vendor. hubungan dengan pemasok. Di samping itu, Kode Etik juga menegaskan
aturan mengenai hubungan tersebut.
Public Company has a policy of
vendor selection and enhancement The Bank has a Policy on qualification, verification and evaluation of supplier
of suppliers or vendors’ ability relationships. In addition, the Code of Conduct also confirms the rules
regarding such relationships.
Perusahaan Terbuka memiliki Terpenuhi | Comply
kebijakan tentang pemenuhan hak-
hak kreditur. Pemenuhan hak-hak kreditur diatur secara rinci dalam Perjanjian Kredit yang
dibuat antara Bank dengan Kreditur.
Public Company has a policy
on the fulfillment of the rights of Fulfillment of creditor rights is regulated in detail in the Credit Agreement
creditors. made between the Bank and the Creditor.
Perusahaan Terbuka memiliki Terpenuhi | Comply
kebijakan sistem Whistleblowing.
Bank telah memiliki Kebijakan dan sistem Pelaporan pelanggaran
Public Company has a (Whistleblowing System) yang telah diunggah dalam situs web Bank dan
whistleblowing system policy diungkapkan lebih lanjut pada Bab Laporan Tata Kelola Perusahaan di Laporan
Tahunan ini.
The Bank has a Whistleblowing System and Policy which has been uploaded
to the Bank's website and is further disclosed in the Corporate Governance
Report Chapter of this Annual Report.
Perusahaan Terbuka memiliki Terpenuhi | Comply
kebijakan pemberian insentif
jangka panjang kepada Direksi dan Bank memiliki kebijakan pemberian insentif jangka panjang yang tertuang
karyawan. dalam kebijakan internal.
Public Company has a policy to The bank has a long-term incentive policy which is stated in its internal policy.
give long-term incentives to the
Board of Directors and employees
2024 Annual Report & Sustainability Report
447
Page 450
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Aspek V. Keterbukaan Informasi
Aspect V. Information Disclosure
Pemenuhan:
Prinsip Rekomendasi Terpenuhi atau Jelaskan
Principle Recommendation Compliance:
Comply or Explain
Prinsip 8 Perusahaan Terbuka memanfaatkan Terpenuhi | Comply
Meningkatkan penggunaan teknologi informasi
Pelaksanaan secara lebih luas selain Situs Bank menggunakan media sosial, situs web resmi Perusahaan dan situs/
Keterbukaan Web sebagai media keterbukaan platform BEI sebagai sebagai saluran media untuk keterbukaan informasi.
Informasi. informasi. Penjelasan lebih lanjut mengenai Akses Informasi dan Data Perusahaan telah
diungkapkan dalam Laporan Tahunan ini.
Principle 8 Public Company utilizes the
Improve the information technology more The Bank uses social media, the Company's official website and the BEI
Implementation widely in addition to the website as website/platform as media channels for information disclosure. Further
of Information a media for information disclosure. explanation regarding Access to Company Information and Data has been
Disclosure disclosed in this Annual Report.
Laporan Tahunan Perusahaan Terpenuhi | Comply
Terbuka mengungkapkan pemilik
manfaat akhir dalam kepemilikan Bank mengungkapkan pemilik manfaat akhir dalam kepemilikan saham
saham Perusahaan Terbuka paling Perusahaan sebagaimana tercantum dalam Laporan Tahunan ini.
sedikit 5% (lima persen), selain
pengungkapan pemilik manfaat The Bank discloses the ultimate beneficial owners of the Company's
akhir dalam kepemilikan saham shareholdings as stated in this Annual Report.
Perusahaan Terbuka melalui
pemegang saham utama dan
pengendali.
Annual report Public Company
disclose the ultimate beneficial
owner in Shareholding of Public
Company’s shares at least 5%
(five percent), an addition to the
disclosure ultimate beneficial
owner in Public Company’s share
ownership through principal and
controlling shareholders.
448 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 451
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Transparansi Praktik Transparency of Bad
Bad Governance Governance Practices
Sepanjang tahun 2024, berikut adalah Throughout 2024, the following are the
kesesuaian tindakan ataupun kebijakan yang conformity of actions or policies related to Bad
berkaitan dengan praktik Bad Corporate Corporate Governance practices in line with the
Governance selaras dengan upaya Bank untuk Bank's efforts to implement Good Corporate
menerapkan Tata Kelola Perusahaan yang Baik Governance as reflected in the table below:
sebagaimana tercermin pada tabel di bawah ini:
Praktik Keterangan
No Practice Description
1 Laporan atas aktivitas Perseroan yang mencemari lingkungan
Reports on the Company's activities that pollute the environment ×
2 Perkara penting yang sedang dihadapi oleh Perseroan, entitas anak, anggota Direksi dan/atau anggota
Dewan Komisaris yang sedang menjabat tidak diungkapkan dalam Laporan Tahunan ×
Important cases being faced by the Company, its subsidiaries, members of the Board of Directors and/or
members of the Board of Commissioners who are currently serving are not disclosed in the Annual Report
3 Ketidakpatuhan dalam pengungkapan pemenuhan kewajiban perpajakan
Non-compliance in disclosing the tax obligations fulfillment ×
4 Ketidaksesuaian penyajian Laporan Tahunan dengan peraturan yang berlaku
Inconsistency in the presentation of the Annual Report with applicable regulations ×
5 Tidak terdapat pengungkapan segmen operasi pada Laporan Keuangan
There is no disclosure of operating segments in the Financial Report ×
6 Kasus terkait buruh dan karyawan
Cases related to workers and employees ×
7 Ketidaksesuaian antara Buku Laporan Tahunan dengan Laporan Tahunan Digital
Incompatibility between the Annual Report Book and the Digital Annual Report ×
✓ = ada | yes
× = tidak ada | no thing
2024 Annual Report & Sustainability Report
449
Page 452
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Laporan Keberlanjutan Keberlanjutan Sustainability Report Sustainability Report 450 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 453
2024 Performance Management Report Company Profile
Management Discussion and Analysis Sustainability Report
2024 Annual Report & Sustainability Report
451
Page 454
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Ikhtisar Kinerja 2024 Sustainable Performance
Keberlanjutan 2024 Highlight
Deskripsi Satuan 2024 2023 2022
Description Unit
Kinerja Aspek Ekonomi [OJK B.1]
Economic Aspect Performance [OJK B.1]
Pendapatan Operasional Bank* Juta Rupiah
1.446.728 1.159.330 760.749
The Bank Operating Income* Million Rupiah
Laba (Rugi) Bersih Bank * Juta Rupiah
467.106 444.566 270.030
The Bank Net Income (Loss)* Million Rupiah
Kinerja Aspek Ekonomi terkait Keberlanjutan
Economic Aspect Performance related to Sustainability
Jenis Produk yang Memenuhi Kriteria Kegiatan Usaha
Berkelanjutan (KKUB) Unit produk
- - -
Type of Products that Meet The Sustainable Business Product unit
Activities Criteria (KKUB)
Nominal Produk dan/atau Jasa yang Memenuhi
Jutaan Rupiah
Kriteria Kegiatan Usaha Berkelanjutan (KKUB)
Million Rupiah - - -
Products and/or Services Nominal that Meet The
Sustainable Business Activities Criteria (KKUB)
Persentase Total Portofolio Kegiatan Usaha Berkelanjutan terhadap Total Portofolio (%):
Percentage of Total Portfolio of Sustainable Business Activities to Total Portfolio (%):
Penghimpunan Dana Persen
- - -
Fundrasing Percent
Penyaluran Dana Persen
- - -
Fund Distribution Percent
Kinerja Keuangan Inklusif**
Inclusive Financial Performance**
Perkembangan Laku Pandai:
Laku Pandai Development:
Jumlah Agen Agen
- - -
Total Agent Agent
Nominal Produk dan/atau Jasa yang Disediakan oleh
Agen Jutaan Rupiah
- - -
Nominal of Products and/or Services Provided by The Million Rupiah
Agent
452 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 455
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Deskripsi Satuan 2024 2023 2022
Description Unit
Kinerja Aspek Lingkungan [OJK B.2]
Environmental Aspect Performance [OJK B.2]
Biaya Penggunaan BBM Jutaan Rupiah
368 225 220
Fuel Cost Million Rupiah
Biaya Penggunaan Listrik Jutaan Rupiah
972 179 438
Electricity Cost Million Rupiah
Biaya Penggunaan Air Jutaan Rupiah
90 50 12
Water Cost Million Rupiah
Dana/CSR Bidang Lingkungan Jutaan Rupiah
215 195 24
Cost/CSR in Environmental Aspect Million Rupiah
Kinerja Aspek Sosial [OJK B.3]
Social Aspect Performance [OJK B.3]
Pria (Orang)
302 233 159
Male (People)
Jumlah Total Pegawai
Total Employees
Wanita (Orang)
173 147 103
Female (People)
Pria (Orang)
Pengurus Kantor Pusat Bank Berdasarkan Jenis 23 23 23
Male (People)
Kelamin
The Bank Head Office Management Based on
Gender Wanita (Orang)
8 8 9
Female (People)
Pria (Orang)
2 2 2
Male (People)
Kepala Kantor Cabang Berdasarkan Jenis Kelamin
Head of Branch Office Based on Gender
Wanita (Orang)
0 0 0
Female (People)
*Data diambil dari Laporan Tahunan Bank/ The data is taken from the Bank’s Annual Report
** Data diambil dari Laporan Laku Pandai/ The data is taken from Laku Pandai Annual Report
2024 Annual Report & Sustainability Report
453
Page 456
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Penjelasan
Direksi Board of Directors' Explanation [OJK D.1]
Pemegang Saham dan Pemangku Dear Shareholders and Stakeholders,
Kepentingan yang Terhormat,
Puji syukur kami haturkan kepada Tuhan yang We would like to begin by expressing our
Maha Esa, atas kehendak-Nya, PT Allo Bank gratitude to God Almighty, as it was thanks to
Indonesia Tbk berhasil melewati tahun 2024 His grace that PT Allo Bank Indonesia Tbk was
dengan pencapaian kinerja yang sangat baik. successfully able to emerge from 2024 with
Hingga akhir tahun 2024, jumlah nasabah excellent achievements in its performance.
tercatat lebih dari 11 juta nasabah, naik signifikan By the end of 2024, we recorded more than
dibanding jumlah nasabah pada awal tahun 11 million customers, a significant increase
yang sama, yaitu sebanyak 7,6 juta atau naik compared to the 7.6 million customers we had
44,74%. Kenaikan nasabah tersebut sejalan at the beginning of that very same year, or an
dengan peningkatan pendapatan bunga, increase of 44.74%. This increase in customers
pendapatan operasional neto, laba bersih was in line with increases in interest income,
dan aset. Pencapaian tersebut merupakan net operating income, net profit and assets.
cerminan atas ketepatan dan konsistensi This achievement serves as a reflection of the
segenap manajemen dan karyawan dalam accuracy and consistency on the part of all
mengimplementasikan kebijakan dan inisiatif the Bank's management and employees in
strategis di sepanjang tahun pelaporan. implementing strategic policies and initiatives
throughout the reporting year.
454 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 457
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Keberhasilan Allo Bank semakin bermakna karena diraih pada saat Allo Bank's success is even more meaningful considering it made all of
pertumbuhan ekonomi Indonesia mengalami perlambatan. Badan its aforementioned accomplishments during a time when Indonesia's
Pusat Statistik menyatakan pertumbuhan ekonomi Indonesia tahun economic growth was experiencing a period of slowed-down activity.
2024 tercatat sebesar 5,03, turun dibanding tahun sebelumnya The Central Statistics Agency (BPS) has noted that Indonesia's
yang mencapai 5,05%. Selain Indonesia, perlambatan pertumbuhan economic growth in 2024 was recorded at 5.03 percent, which was
ekonomi juga dialami mitra dagang utama Indonesia yaitu Tiongkok down compared to the previous year's 5.05 percent. In addition to
dan Amerika Serikat. Adapun pertumbuhan ekonomi global, Indonesia, a slowing of economic growth was also experienced by
menurut proyeksi Dana Moneter Internasional (IMF) tercatat sebesar Indonesia's main trading partners, specifically, China and the United
3,2%, melambat dibanding tahun 2023 yang mencapai 3,3%. States. Meanwhile, global economic growth, according to projections
by the International Monetary Fund (IMF), was recorded at 3.2%, which
slowed down compared to 3.3 percent in 2023.
Secara spesifik, merujuk data BPS, lapangan usaha Jasa Keuangan Specifically, when looking at Central Statistics Agency data, the
dan Asuransi, di mana industri perbankan termasuk di dalamnya, Financial Services and Insurance business sector in Indonesia,
tumbuh 4,74% pada tahun 2024. Pertumbuhan tersebut sedikit which includes the banking industry, grew by 4.74 percent in 2024.
menurun dibandingkan tahun 2023 dengan pertumbuhan sebesar This growth was slightly lower than the same sector's 4.77 percent
4,77%. Perlambatan pertumbuhan lapangan usaha ini dipengaruhi growth in 2023. The slowdown in growth in this business sector
berbagai faktor diantaranya ketidakpastian ekonomi global dan was influenced by various factors that included global economic
tekanan eksternal seperti fluktuasi nilai tukar serta perlambatan uncertainty, external pressures (such as exchange rate fluctuations)
investasi asing sehingga menekan likuiditas dan minat investasi and slowdown in foreign investment, which resulted in a suppression
di Indonesia. Selain itu, kebijakan moneter yang lebih ketat dan of liquidity and investment interest in Indonesia. Tighter monetary
pengetatan regulasi di sektor keuangan juga membuat lembaga policies and tightened regulations in the financial sector have also
jasa keuangan lebih berhati-hati dalam mengelola risiko dan made financial services institutions more careful in managing risks
pinjaman sehingga mempengaruhi laju ekspansi produk dan and loans in such a way that affected the rate of expansion of all the
layanan keuangan yang dikelolanya. Faktor berikutnya adalah financial products and services they managed. The next factor was
terjadinya pergeseran perilaku konsumen yang menjadi lebih selektif a shift in consumer behavior towards becoming more selective and
dan konservatif dalam mengambil keputusan finansial. Perubahan conservative in making financial decisions. This change added to
tersebut menambah beban bagi industri jasa keuangan dalam the financial services industry's burden in maintaining its previously
mempertahankan pertumbuhan yang sebelumnya lebih dinamis. more dynamic growth.
Di tengah kondisi yang penuh dinamika di lapangan usaha jasa In the midst of these dynamic conditions within the field of financial
keuangan itulah, Allo Bank berhasil memanfaatkan peluang yang services as a business, Allo Bank was able to succeed in taking
ada, mengoptimalkan semua sumber daya sehingga mampu meraih advantage of existing opportunities and optimizing all of its resources
kinerja terbaik. Melalui laporan keberlanjutan inilah, pencapaian so as to achieve its best in performance. We would like to use this
kinerja aspek ekonomi tersebut kami sampaikan. Selain aspek sustainability report to convey our achievements when it comes to
ekonomi, sesuai dengan Peraturan Otoritas Jasa Keuangan No. 51/ economic performance. In addition to this economic aspect, we
POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan bagi will also use this report to convey our achievements in social and
Lembaga Jasa Keuangan, Emiten dan Perusahaan Publik atau environmental performance. We are doing this in accordance with
POJK Keuangan Berkelanjutan, laporan ini juga menyampaikan Financial Services Authority (OJK) Regulation No. 51/POJK.03/2017
pencapaian kinerja aspek sosial dan lingkungan. concerning the Implementation of Sustainable Finance for Financial
Services Institutions, Issuers and Public Companies (hereinafter
referred to as "POJK on Sustainable Finance").
Dukungan Allo Bank terhadap Keuangan Berkelanjutan Allo Bank's Support for Sustainable Finance
Indonesia berkomitmen untuk melaksanakan pembangunan Indonesia is committed to implementing sustainable development
berkelanjutan sesuai dengan amanat perundang-undangan. in accordance with the mandate of law. The country defines
Berdasarkan Undang-Undang No. 32 Tahun 2009 tentang sustainable development as a planned and conscious effort
Perlindungan dan Pengelolaan Lingkungan Hidup, pembangunan to integrate environmental, social and economic aspects into
berkelanjutan didefinisikan sebagai upaya yang terencana dan sadar development strategies. It uses this definition in accordance
untuk mengintegrasikan aspek lingkungan, sosial, dan ekonomi ke with Law No. 32 of 2009 concerning Environmental Protection
dalam strategi pembangunan. Tujuannya adalah untuk memastikan and Management. The nation's goal is to ensure environmental
keberlanjutan lingkungan serta kesejahteraan dan kualitas hidup sustainability as well as welfare and quality of life for both its present
generasi sekarang dan mendatang. and its future generations.
2024 Annual Report & Sustainability Report
455
Page 458
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Untuk mendukung pelaksanaan pembangunan berkelanjutan, In order to support its sustainable development implementation,
pemerintah telah mengeluarkan berbagai regulasi dan kebijakan, the government has issued various regulations and policies, one
salah satunya adalah POJK Keuangan Berkelanjutan tahun 2017. of which was the POJK on Sustainable Finance that it published
Sesuai dengan peraturan ini, Allo Bank sebagai perusahaan publik in 2017. In accordance with this regulation, Allo Bank (as a public
diwajibkan untuk menerapkan prinsip keuangan berkelanjutan company) is required to implement sustainable finance principles.
mulai 1 Januari 2021. Keuangan berkelanjutan merupakan It began implementing these principles on January 1, 2021.
dukungan menyeluruh dari sektor jasa keuangan untuk Sustainable finance requires comprehensive support from the
mendorong pertumbuhan ekonomi yang berkelanjutan dengan financial services sector to encourage sustainable economic growth
menyeimbangkan kepentingan ekonomi, sosial, dan lingkungan. that can balance economic, social, and environmental interests.
Dukungan Allo Bank terhadap keuangan berkelanjutan direalisasikan Allo Bank's support for sustainable finance is realized through its
melalui penyusunan Rencana Aksi Keuangan Berkelanjutan (RAKB), preparation of a Sustainable Finance Action Plan (RAKB), which
yang merupakan bagian integral dari Rencana Bisnis Bank. Dalam serves as an integral part of the Bank's Business Plan. It is through
RAKB ini, Bank merumuskan berbagai rencana, program, dan this RAKB that the Bank has formulated various strategic plans,
kebijakan strategis untuk mengimplementasikan prinsip-prinsip programs, and policies to implement sustainable finance principles.
keuangan berkelanjutan. Selain itu, sesuai dengan ketentuan dalam In addition, in accordance with the provisions of the POJK on
POJK Keuangan Berkelanjutan, Bank juga mengalokasikan dana Sustainable Finance, the Bank is also obligated to allocate funds
untuk membiayai berbagai program Tanggung Jawab Sosial dan to finance various Social and Environmental Responsibility (TJSL)
Lingkungan (TJSL). programs.
Selain itu, Allo Bank juga menunjukkan dukungan terhadap In addition, Allo Bank has also lent its support for sustainable
keuangan berkelanjutan melalui pengelolaan kantor yang ramah finance through its efforts in terms of environmentally friendly
lingkungan. Sebagai bank umum berbasis digital, operasional Bank office management. As a digital-based conventional bank, the
dirancang untuk meminimalisir dampak lingkungan dibandingkan Bank's operations are designed to have minimal environmental
bank-bank konvensional. Dengan demikian, penggunaan energi impact compared to conventional banks. As a result, its energy
dan emisi yang dihasilkan lebih rendah, begitu juga dengan usage and its emissions produced are both lower, as are its water
pemanfaatan air dan jumlah limbah yang dihasilkan. usage and its waste production.
Kebijakan Allo Bank untuk Merespons Tantangan Allo Bank's Policy to Respond to Challenges in
dalam Pemenuhan Strategi Keberlanjutan Fulfilling Sustainability Strategy
Bank-bank berbasis digital di Indonesia semakin agresif dalam Digital banks in Indonesia have become increasingly aggressive
menjalankan ekspansi bisnis di sepanjang tahun 2024. Sebab itu, in its efforts to carry out business expansions throughout 2024.
persaingan di antara bank berbasis digital pun semakin ketat. Untuk This has resulted in tightened competition among digital banks. To
merespons tantangan tersebut, Allo Bank menerapkan berbagai respond to these challenges, Allo Bank has implemented various
kebijakan dalam pemenuhan strategi keberlanjutan. Selaras policies to fulfill its own sustainability strategies. In line with its
dengan visi menjadi bank umum berbasis digital terbaik, Bank terus vision of becoming the best digital-based conventional bank, the
melakukan pengembangan dan penyempurnaan teknologi informasi Bank has continued to develop and improve on its information
sebagai jantung operasi layanan. Untuk itu, pada 17 Mei 2024, Bank technology serving as the heart of its service operations. For this
meresmikan penggunaan Data Center Allo Bank yang dirancang reason, the Bank inaugurated its Allo Bank Data Center on May 17,
dengan arsitektur yang memenuhi standar internasional tertinggi. 2024. This data center was designed with architecture that met the
Selain arsitektur, keamanan juga menjadi prioritas Bank, dengan highest possible international standards. In addition to its world-
pemisahan antara lingkungan core system dengan surrounding class architecture, the data center's security was also a priority for
system dan development system untuk meningkatkan keamanan the Bank. Towards this end, the Bank ensured a separation between
dan keandalan layanan. the data center's core system environment and its surrounding
system and development system to improve on the security and
reliability of its services.
Selaras dengan itu, Bank melakukan assessment atas Control In line with this, the Bank conducted an assessment on Control
Objectives for Information and Related Technology (“COBIT”) 2019 Objectives for Information and Related Technology ("COBIT") 2019
dengan hasil Tingkat Maturitas TI di level 4,21. Keberhasilan tersebut with a resulting IT Maturity Level of 4.21. The Bank's success in
menjadi pemenuhan salah satu komitmen dan dedikasi Bank dalam this assessment served as a way of fulfilling one of the Bank's
menerapkan standar terbaik dalam tata kelola teknologi informas. commitments and dedications in implementing the best-possible
Assessment ini juga merupakan langkah penting dalam memperkuat standards in information technology governance. This assessment
kapabilitas TI dan meningkatkan efisiensi serta keamanan layanan was also an important step for strengthening the Bank's IT
456 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 459
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
yang diberikan kepada nasabah serta mencerminkan bentuk capabilities and boosting the efficiency and security of its services
keseriusan Allo Bank dalam terus berinovasi dan memastikan bahwa to customers. The assessment also reflected Allo Bank's seriousness
setiap proses bisnis yang menggunakan TI berjalan dengan baik, in continuing to innovate and ensuring that every business process
terkontrol dan berkelanjutan. that used IT ran well, was controlled and was sustainable.
Untuk merealisasikan strategi keberlanjutan usaha, pada tahun In 2024, Allo Bank released new products in the form of Customer
2024, Allo Bank merilis produk baru berupa Rekening Dana Fund Accounts, Virtual Accounts and Virtual Debit Cards as a way
Nasabah, Virtual Account dan Virtual Debit Card. Sementara itu, to realize its business sustainability strategy. Meanwhile, within
di bidang pemasaran, Bank terus mengembangkan strategi dan the marketing sector, the Bank continued to develop strategies
berupaya menjalin kemitraan strategis dengan berbagai ekosistem for establishing strategic partnerships with various other leading
terkemuka lainnya melalui penerapan model Open Banking dalam ecosystems through its implementation of an Open Banking
upaya mengembangkan ekosistem digital dan meningkatkan nilai model in an effort to develop a digital ecosystem and increase
layanan finansial yang disediakan oleh Bank secara contextual, the contextual value of its financial services, especially for sectors
terutama untuk sektor-sektor yang dekat dengan aspek-aspek that stood close to aspects of customer life.
kehidupan nasabah.
Hal yang tak kalah penting, untuk mengukuhkan branding, Bank No less important was the Bank's effort to strengthen its branding
terus fokus menyasar segmen milenial dan Gen Z sebagai segmen through its focus on targeting millennial and Gen Z segments as
utama dengan mengadakan berbagai program marketing yang its primary segments. It did this by hosting a variety of unique
unik. Program tersebut di antaranya Allo Bank Festival pada 21-22 marketing programs that included the Allo Bank Festival on June
Juni 2024 di Istora Senayan Jakarta dengan mengusung tema 21-22, 2024 at Istora Senayan Jakarta. This event, designed as
Intimate Concert Experience bersama bintang tamu internasional an Intimate Concert Experience, featured performances from
WAY V dan musisi-musisi nasional Indonesia. international guest star WAY V and Indonesian national musicians.
Selain berbagai kebijakan di atas, Allo Bank secara konsisten In addition to the aforementioned policies, Allo Bank also worked to
menjalin komunikasi dengan segenap pemangku kepentingan, consistently communicate with all stakeholders. Its efforts towards
termasuk mengembangkan kanal pengaduan apabila ada di this end included opening a complaints channel for anyone affected
antara mereka yang terdampak dengan operasional Bank. Selaras by the Bank's operations. In line with that, the Bank organized
dengan itu, untuk memaksimalkan manfaat atas keberadaan Bank, various Corporate Social Responsibility (CSR) programs that involved
sekaligus menguatkan pelibatan pemangku kepentingan, khususnya stakeholders, especially the community as one of the Bank's primary
masyarakat sebagai salah satu pemangku kepentingan eksternal external stakeholders. Allo Bank did this in order to maximize the list
utama, Bank menyelenggarakan berbagai program Tanggung of benefits available as a result of its presence as a business entity.
Jawab Sosial dan Lingkungan (TJSL)/Corporate Social Responsibility
(CSR).
Konsisten dan kesungguhan Bank dalam merealisasikan strategi The Bank's consistency and seriousness in realizing its sustainability
keberlanjutan mendapatkan apresiasi dari pihak eksternal berupa strategy has received various awards from external parties that
pemberian penghargaan. Di sepanjang tahun 2024, penghargaan served as forms of appreciation for its efforts. Throughout 2024,
yang diraih Bank antara lain The Highest Digital Index Deposit the list of the awards the Bank won included The Highest Digital
Conventional Bank 2024 dari Infobank; The Best Conventional Bank Index Deposit Conventional Bank 2024 from Infobank & Isentia;
2024, The Best Digital Bank (KBMI 2) 2024, The 2nd Highest Digital The Best Conventional Bank 2024, The Best Digital Bank (KBMI 2)
Index Digital Bank 2024, The Best Saving Account Conventional 2024, The 2nd Highest Digital Index Digital Bank 2024, The Best
Bank (KBMI 2) 2024, keempatnya dari Infobank; 5th Indonesia Saving Account Conventional Bank (KBMI 2) 2024, all four of which
Top Bank Awards 2024 in KBMI 2 Category dari The Iconomics; are from Infobank; 5th Indonesia Top Bank Awards 2024 in KBMI
Best Bank 2024: KBMI 2 (Modal Inti Lebih dari Rp6T - Rp14T) dari 2 Category from The Iconomics; Best Bank 2024: KBMI 2 (Core
investortrust; Top 100 CEO & The 200 Future Leaders Forum 2024: Capital More than IDR6T - IDR14T) from investortrust; Top 100 CEO
Indra Utoyo - Banker Of The Year 2024, Sajal Bhatnagar - Future & The 200 Future Leaders Forum 2024: Indra Utoyo - Banker Of
Leaders of the Year 2024 dari InfoBank, serta Predicate “Very Good” The Year 2024, Sajal Bhatnagar - Future Leaders of the Year 2024
for Outstanding Digital Innovation 2024 dari SWA Media Group. from InfoBank, and a Predicate of “Very Good” for Outstanding
Digital Innovation 2024 from SWA Media Group.
2024 Annual Report & Sustainability Report
457
Page 460
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Penerapan Keuangan Berkelanjutan Tahun 2023 Sustainable Finance Implementation in 2023
Di sepanjang tahun 2024, Allo Bank telah berupaya semaksimal Throughout 2024, Allo Bank has made every possible effort to
mungkin untuk melaksanakan keuangan berkelanjutan dengan implement sustainable finance by aligning its achievements when
menyelaraskan pencapaian aspek ekonomi, lingkungan hidup, dan it came to its economic, environmental, and social aspects. These
sosial. Upaya tersebut meraih hasil sebagai berikut: efforts have bore the following results:
1. Kinerja Aspek Ekonomi 1. Economic Aspect Performance
Setiap tahun, Allo Bank menyusun Rencana Bisnis Bank (RBB) Every year, Allo Bank prepares a mature and realistic Bank
secara matang dan realistis berdasarkan prinsip kehati-hatian Business Plan (RBB) that it designs based on the principle
dan penerapan manajemen risiko. Rencana bisnis antara lain of prudence and risk management implementation. This
berisi tentang rencana Bank untuk meningkatkan kinerja usaha business plan includes the Bank's plans to improve business
serta strategi untuk merealisasikan rencana tersebut sesuai performance, as well as accompanying strategies to realize
target dan waktu yang ditetapkan. Penyusunan rencana bisnis these plans within an established time frame and with clear
senantiasa memperhatikan faktor eksternal dan internal yang goals. The process of preparing this business plan always
dapat mempengaruhi kelangsungan usaha Bank, prinsip kehati- takes into account any external and internal factors that can
hatian, penerapan manajemen risiko, dan asas perbankan potentially affect the Bank's business continuity. The plan
yang sehat. also takes into account the principle of prudence and the
implementation of risk management, all while being guided
by healthy banking as a concept.
Segenap manajemen dan karyawan Allo Bank terus All management and employees of Allo Bank continue to
mengukuhkan sinergi untuk merealisasikan target-target dalam strengthen synergy to realize the targets in the 2024 RBB
RBB tahun 2024 dan membuahkan hasil yang membanggakan. and produce good results. Operating Revenue was recorded at
Pendapatan Operasional tercatat sebesar Rp1,447 triliun, naik IDR1.447 trillion, up 25% compared to the achievement in 2023,
25% dibandingkan pencapaian tahun 2023, didorong oleh driven by growth in net interest income and fee-based income.
pertumbuhan pendapatan bunga bersih dan pendapatan Net interest income grew 8% to IDR1.118 trillion supported by
berbasis biaya. Pendapatan bunga bersih tumbuh 8% credit growth amidst challenging macroeconomic conditions.
menjadi Rp.1,118 triliun ditopang oleh pertumbuhan kredit di Net Profit reached IDR467 billion or up 5% compared to the
tengah kondisi ekonomi makro yang penuh tantangan. Laba previous year.
Bersih sebesar Rp467 miliar atau naik 5% dibanding tahun
sebelumnya.
Pencapaian tersebut sejalan dengan peningkatan jumlah These achievements were in line with an increase in Allo Bank's
akuisisi/onboarding nasabah hingga akhir tahun 2024 yang number of customer acquisitions/onboarding until the end of
mencapai lebih dari 11 juta nasabah. Selain itu, juga selaras 2024 that reached more than 11 million customers. In addition,
dengan keberhasilan Bank meningkatkan engagement sehingga these achievements were also in line with the Bank's success
nasabah puas dan sering bertransaksi di Allo Bank. Dalam hal in boosting engagement so that customers are satisfied and
ini, Bank mencatatkan peningkatan signifikan dalam jumlah carried out transactions frequently through Allo Bank. As a
transaksi khususnya transaksi menggunakan QRIS, transfer result, the Bank was also able to record a significant increase
melalui BI-Fast maupun pembayaran Bill Payment . in the number of transactions, particularly those using QRIS,
as well as the number of transfers via BI-Fast and Bill Payment
payments.
2. Kinerja Aspek Lingkungan 2. Environmental Aspect Performance
Operasional Bank sebagai lembaga jasa keuangan tidak The Bank's operations as a financial services institution do
berdampak langsung bagi lingkungan. Walau demikian, not have any direct impact on the environment. At the same
Bank senantiasa merujuk berbagai regulasi yang mengatur time, the Bank still paid heed to various regulations that
hubungan antara industri perbankan dengan lingkungan. governed the relationship between the banking industry and
Dengan memperhatikan prinsip kehati-hatian, Allo Bank merilis the environment. The Bank paid attention to the principle of
produk dan layanan berupa giro, tabungan, deposito dan prudence and released products and services in the form of
pinjaman konsumsi (instant cash dan pay later) yang semuanya current accounts, savings, deposits and consumer loans (instant
tidak berkontribusi negatif terhadap lingkungan. cash and pay later), none of which had any sort of negative
environmental contributions.
458 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 461
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Pemenuhan tanggung jawab terhadap lingkungan juga The Bank also realized its environmental responsibility by
diwujudkan Bank dengan mengoptimalkan operasional kantor optimizing environmentally friendly office operations. It did this
yang ramah lingkungan dengan mengedepankan prinsip 3R by prioritizing the "3R" principle (Reduce, Reuse & Recycle). This
(Reduce, Reuse & Recycle). Prinsip tersebut diimplementasikan principle was implemented in the Bank through its management
dalam pengelolaan penggunaan kertas, energi listrik, bahan of paper use, electrical energy, fuel oil, waste water and waste,
bakar minyak, air/air limbah maupun limbah, baik limbah yang whether it was waste categorized as "Hazardous and Toxic
termasuk dalam Bahan Berbahaya dan Beracun (B3) maupun Materials" or non-Hazardous and Toxic Materials. It carried
non-B3B sesuai dengan regulasi yang berlaku. Jika pun dalam out all of this in accordance with applicable regulations. Any
laporan ini terdapat kenaikan penggunaan kertas, energi, emisi increase mentioned in this report in the Bank's use of paper,
dan air, hal itu dipengaruhi oleh meningkatnya operasional energy, emissions and water was influenced by an increase
Bank, termasuk di antaranya penambahan karyawan. in the Bank's operations, including its addition of employees.
3. Kinerja Aspek Sosial 3. Social Aspect Performance
Tanggung jawab pada aspek sosial dilaksanakan Bank dengan The Bank carried out its social responsibility by responding
menjawab dan memenuhi berbagai keperluan dan harapan para to (and fulfilling the various needs and expectations of) both
pemangku kepentingan, baik internal maupun eksternal. Untuk internal and external stakeholders. For employees, the Bank
karyawan, Bank dengan konsisten memperlakukan karyawan consistently treated its employees equally so that there were
secara setara sehingga tidak terjadi insiden diskriminasi, no incidents of discrimination. It also fulfilled all normative
memenuhi hak-hak normatif sesuai regulasi ketenagakerjaan, rights in accordance with employment regulations, provided
memberikan peluang yang sama untuk maju dan berkembang equal opportunities for employees to advance and develop
melalui keikutsertaan berbagai pendidikan dan pelatihan, serta through participation in various education sessions and training
mewujudkan lingkungan kerja yang sehat dan aman sesuai activities, and created a healthy and safe work environment
kaidah Kesehatan dan Keselamatan Kerja (K3). that operated in accordance with Occupational Health and
Safety principles.
Terkhusus untuk pengembangan kompetensi karyawan, pada Specifically, in terms of employee competency development,
tahun 2024, Bank telah menyelenggarakan pengembangan the Bank organized 179 competency development programs
kompetensi sebanyak 179 program, yang diikuti oleh 439 in 2024 that were attended by 439 employees (or 93% of the
pegawai atau 93% dari total pegawai dengan jumlah jam Bank's total employees) with a total of 1,472 training hours.
pelatihan sebanyak 1.472 jam. Adapun biaya pengembangan The Bank's competency development cost was recorded at
kompetensi tercatat sebesar Rp4,853 miliar naik dibandingkan IDR4.853 billion, an increase compared to IDR3.886 billion in
tahun 2023, yang mencapai Rp3,886 miliar. Sementara itu, 2023. Meanwhile, in terms of Occupational Health and Safety
untuk kinerja K3, Bank berhasil mempertahankan pencapaian performance, the Bank managed to maintain its previous year's
tahun sebelumnya yaitu tidak tercatat adanya kecelakaan kerja achievement of having no work accidents or work-related
dan penyakit akibat kerja. diseases being recorded.
Adapun pemenuhan tanggung jawab kepada nasabah sebagai In terms of fulfilling its responsibilities to customers as one of its
salah satu pemangku kepentingan eksternal utama, Bank secara primary external stakeholders, the Bank worked to continuously
berkelanjutan melakukan inovasi produk dan jasa agar sesuai innovate its products and services to meet current expectations.
dengan harapan terkini. Selain itu, Bank juga mengoptimalkan In addition, the Bank also optimized services to be more
layanan agar semakin efektif dan efisien, serta memudahkan effective and efficient, and made it easier for customers to
nasabah bertransaksi di manapun dan kapanpun. Lebih dari itu, transact anywhere and anytime. Moreover, as part of its best
sebagai bagian dari layanan terbaik serta perlindungan terhadap service and protection for customers, the Bank also committed
nasabah, Bank juga berkomitmen untuk menyelesaikan semua itself to resolving all customer complaints in accordance with
pengaduan nasabah sesuai dengan Service Level Agreement applicable Service Level Agreements (SLA). Based on Bank’s
(SLA) yang berlaku. Berdasarkan survei internal yang diadakan own internal survey to customers, some 78.56% of customers
Bank kepada nasabah, sebanyak 78,56% nasabah menyatakan expressed satisfaction with the Bank's products and services.
puas dengan produk dan layanan Bank.
Komitmen lain yang senantiasa dipegang Bank adalah menjaga Another commitment that the Bank always upheld was its effort
dan melindungi kerahasiaan data nasabah agar tidak ada yang to maintain and protect the confidentiality of customer data so
bocor, apalagi hilang. Upaya tersebut berhasil dipertahankan that nothing is ever leaked, let alone lost. The Bank was able
sebagaimana tahun sebelumnya, yang ditandai dengan tidak to successfully maintain this level of data security as it had in
adanya pengaduan berkaitan dengan kebocoran data atau the previous year, which was a year marked by the absence of
hilangnya data nasabah. complaints related to data leaks or any losses of customer data.
2024 Annual Report & Sustainability Report
459
Page 462
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Sementara itu, kepada masyarakat sebagai pemangku eksternal Meanwhile, when it came to its commitments to the community
yang lain, Bank mengukuhkan manfaat melalui pelaksanaan as another external stakeholder, the Bank provided benefits
berbagai program Tanggung Jawab Sosial dan Lingkungan through its implementation of various Social and Environmental
(TJSL). Pada tahun 2024 kegiatan tersebut berupa Gerakan Responsibility (CSR) programs. In 2024, these activities included
Berbagi Pangan dan Sembako (“Gebrag”), program PIJAR its Food and Grocery Sharing Movement ("Gebrag"), its PIJAR
sebagai gerakan mengajar di berbagai sekolah di daerah- program that served as a teaching movement in various
daerah pelosok Indonesia, dan pengadaan program kebun schools in remote areas of Indonesia, and its provision of
hidroponik di beberapa lokasi. Implementasi program-program hydroponic garden programs throughout several locations.
TJSL tersebut, sekaligus merupakan upaya nyata dan dukungan The implementation of these CSR programs also served as the
konkret Bank terhadap Tujuan Pembangunan Berkelanjutan Bank's way of supporting the nation's Sustainable Development
(TPB/SDGs). Goals (SDGs).
Di sisi lain, kepada pemerintah, Bank memenuhi tanggung In terms of the Bank's commitment to the government, Allo
jawab dengan melakukan pembayaran pajak tepat waktu; Bank fulfilled its responsibilities by making tax payments on
kepada mitra/vendor, Bank melakukan pengadaan barang time. For its partners/vendors, the Bank carried out transparent
dan jasa yang transparan; sedangkan kepada regulator, Bank procurement of goods and services. Finally, for regulators,
senantiasa merealisasikan kepatuhan terhadap regulasi yang the Bank always ensured that it was in compliance with all
berlaku. applicable regulations.
Strategi Pencapaian Target Target Achievement Strategy
Bank berkomitmen untuk menjaga keselarasan antara aspek The Bank is committed to maintaining a sense of harmony between
ekonomi, sosial dan lingkungan dalam menjalankan usaha. Dalam its economic, social and environmental aspects as it operates its
hal ini, Bank meyakini bahwa implementasi aspek lingkungan dan business. The Bank believes that its implementation of sustainable
sosial berkelanjutan akan dipengaruhi oleh pencapaian dalam environmental and social aspects will be influenced by any
mewujudkan target-target kinerja aspek ekonomi yang disampaikan achievements it makes in realizing its economic aspect performance
dalam RBB Tahun 2024. Untuk itu, Bank telah menetapkan langkah- targets that it has stated in its Bank Business Plan. To that end,
langkah strategis tahun 2024 sebagai berikut: the Bank has established the following strategic steps for 2024:
1. Melakukan penetrasi pasar berkelanjutan ke berbagai 1. Carrying out sustainable market penetration to various customer
segmentasi nasabah dengan terus memberikan nilai tambah segments by continuing to provide added value through its
(added value) melalui implementasi 3 pilar strategi bisnis Bank implementation of the 3 pillars of the Bank's business strategy
(acquisition, engagement, and monetization); (acquisition, engagement, and monetization);
2. Meningkatkan layanan digital secara signifikan yang berdampak 2. Significantly increasing digital services that have an impact on
pada peningkatan aset dan liabilitas; increasing assets and liabilities;
3. Menjalin kolaborasi dengan mitra strategis (strategic partners) 3. Establishing collaboration with strategic partners in its main
ekosistem utama melalui penerapan model open banking untuk ecosystem through its implementation of an open banking
memperkaya dan meningkatkan nilai layanan finansial yang model to enrich and increase the value of the Bank's financial
disediakan oleh Bank; services;
4. Penguatan data driven organization dengan memanfaatkan 4. Strengthening data driven organizations by utilizing Artificial
kapabilitas Artificial Intelligence (AI) dan data analytic untuk Intelligence (AI) and data analytics capabilities to increase the
meningkatkan keunggulan kompetitif Bank; Bank's competitive advantage;
5. Penguatan manajemen risiko menggunakan teknologi terkini 5. Strengthening risk management by using the latest technology
melalui peningkatan IT Maturity dalam rangka memperkuat and increasing IT Maturity in order to strengthen the Bank's
operasional Bank; operations;
6. Pengembangan talenta DIGITAL untuk mencapai kinerja Bank 6. Development of DIGITAL talent to achieve even better Bank
yang unggul; dan performance; and
7. Penguatan Good Corporate Governance (GCG) di seluruh 7. Strengthening Good Corporate Governance (GCG) across all
fungsi organisasi Bank. of the Bank's organizational functions.
Untuk menjaga kinerja ekonomi berjalan sesuai dengan yang In order to ensure that it can maintain economic performance
ditargetkan, Bank melakukan monitoring atas implementasi levels that are in accordance with its targets, the Bank periodically
inisiatif strategis tersebut secara berkala dalam rapat Direksi dan monitors its implementation of its strategic initiatives through Board
Dewan Komisaris. Kebijakan tersebut dilakukan dengan tujuan agar of Directors and Board of Commissioners meetings. These efforts
target kinerja ekonomi yang telah ditetapkan dapat tercapai, serta are done with the aim of guaranteeing that the Bank's economic
merumuskan solusi alternatif apabila terdapat hambatan di dalam performance targets can be achieved, as well as to have these
merealisasikan target pada tahun pelaporan. meetings serve as a venue for formulating alternative solutions
if there are obstacles in realizing its targets in the reporting year.
460 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 463
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Prospek dan Peluang Prospects and Opportunities
Pada tahun 2025, perekonomian Indonesia diproyeksikan In 2025, the Indonesian economy is projected to grow steadily
tumbuh stabil di kisaran 5%. Bank Dunia dalam laporannya pada in the range of 5%. In its October 2024 report, the World Bank
Oktober 2024 memperkirakan pertumbuhan sebesar 5,1% untuk specifically estimated a total growth of 5.1% for 2025. Meanwhile,
tahun 2025. Sementara itu, Pemerintah Indonesia sebagaimana the Government of Indonesia has stated in its 2025 State Budget
disampaikan dalam Anggaran Pendapatan dan Belanja Negara that it is targeting an economic growth of 5.2%. At the same time,
Tahun 2025 menargetkan pertumbuhan ekonomi sebesar 5,2%. Indonesia's economic growth in 2025 is set to face various obstacles
Di sisi lain, pertumbuhan ekonomi Indonesia tahun 2025 akan and challenges, including its current account deficit, which is
menghadapi berbagai kendala dan tantangan di antaranya defisit estimated to widen between 0.5% and 1.3% of GDP, as well as a
transaksi berjalan yang diperkirakan melebar antara 0,5% hingga shrinking middle class that could affect domestic consumption.
1,3% dari PDB, serta terjadinya penyusutan kelas menengah yang
dapat mempengaruhi konsumsi domestik.
Di tengah proyeksi optimistis, sekaligus tantangan yang patut In the midst of these optimistic projections, as well as in the midst
diwaspadai, industri perbankan Indonesia diharapkan tetap solid of challenges that should continue to be monitored, the Indonesian
dan berperan aktif dalam mendukung pertumbuhan ekonomi banking industry is expected to remain in solid condition and
tahun 2025. Dalam hal ini, Otoritas Jasa Keuangan (OJK) optimistis continue to play an active role in supporting economic growth
terhadap kinerja positif sektor jasa keuangan, meskipun menghadapi in 2025. In this regard, the Financial Services Authority (OJK) is
tantangan likuiditas yang dapat mempengaruhi penyaluran kredit. optimistic about the positive performance of the financial services
Bank Indonesia memproyeksikan pertumbuhan kredit perbankan sector in the face of liquidity challenges that could affect credit
akan meningkat menjadi 11-13% pada tahun 2025, lebih tinggi distribution. Bank Indonesia projects that banking credit growth
dibandingkan proyeksi tahun sebelumnya. will increase to 11-13% in 2025, higher than the previous year's
projections.
Berdasarkan latar belakang dan proyeksi tersebut, Allo Bank telah With all of these projections in mind, Allo Bank has set various
menetapkan berbagai target dalam RBB Tahun 2025, terkhusus targets in its 2025 RBB, specifically when it comes to the economic
pada aspek ekonomi, serta rencana strategis untuk mencapainya. aspects. It has also established strategic plans for how to achieve
Target tersebut di antaranya Laba Bersih sebesar Rp466 miliar; these targets. The targets include Net Profit of IDR466 billion;
Kredit yang Diberikan sebesar Rp9,7 triliun atau 130% dibandingkan Lending of IDR9.7 trillion or 130% compared to the realization in
realisasi tahun 2024, dan Dana Pihak Ketiga sebesar Rp8,4 triliun 2024, and Third Party Funds of IDR8.4 trillion or 138% compared
atau 138% dibandingkan realisasi tahun 2024. to the realization in 2024.
Selaras dengan penetapan tersebut, Allo Bank telah menetapkan In line with these goals, Allo Bank has established various strategic
berbagai inisiatif strategis dan berkomitmen untuk melaksanakannya initiatives and is committed to implementing them consistently. It
secara konsisten dengan menguatkan sinergi antara manajemen aims to do so by strengthening its synergy between management
dan karyawan. Berbekal spirit untuk memberikan kontribusi terbaik, and employees. Armed with its desire to provide the best in
Allo Bank optimistis dapat mencapai target-target tersebut demi contributions, Allo Bank is optimistic that it can achieve its targets
mewujudkan bisnis yang berkelanjutan. in order to realize its goal of sustainable business operations.
2024 Annual Report & Sustainability Report
461
Page 464
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Penutup Conclusion
Pencapaian kinerja terbaik Allo Bank secara berkesinambungan Allo Bank's continuous achievements and best performance is
merupakan hasil kerja bersama dan dukungan dari segenap the result of joint efforts and support from internal and external
pemangku kepentingan, baik internal maupun eksternal, dalam stakeholders in realizing strategic initiatives in the 2024 Bank
merealisasikan inisiatif-inisiatif strategis dalam RBB Tahun 2024. Business Plan. We would like to thank the Board of Commissioners
Untuk itu, kami mengucapkan terima kasih kepada Dewan Komisaris for their supervision and direction that has ensured that the Board
yang telah melakukan pengawasan dan memberikan arahan of Directors were able to carry out strategic initiatives properly
sehingga Direksi dapat menjalankan inisiatif-inisiatif strategis dengan throughout the year. We would also like to express the same
baik. Ungkapan yang sama kami sampaikan kepada pemegang gratitude to shareholders who have bestowed us with their trust
saham yang telah memberikan kepercayaan kepada kami untuk to manage the company during the reporting year. To all employees,
mengelola perusahaan selama tahun pelaporan. Secara khusus, we thank you for your hard work, dedication, and loyalty.
kepada seluruh karyawan, kami berterima kasih atas kerja keras,
dedikasi, dan loyalitas yang diberikan selama ini.
Ungkapan terima kasih juga kami sampaikan kepada pemerintah, We would also like to express our gratitude to the government,
regulator, nasabah, mitra/pemasok, dan maupun masyarakat yang regulators, customers, partners/suppliers, and the community for
senantiasa mendukung keberadaan Allo Bank sebagai bank digital always supporting Allo Bank as a trusted digital bank. We hope
terpercaya. Kami berharap dukungan tersebut tetap diberikan agar that this support will continue so that Allo Bank can keep growing
Allo Bank terus bertumbuh dan mampu menjawab harapan segenap and continue to answer the expectations of all stakeholders and
pemangku kepentingan dan pemegang saham demi mewujudkan shareholders. All of this is so that we can realize our vision of
visi “Menjadi bank umum berbasis digital terbaik melalui aplikasi "Becoming the best digital-based conventional bank through an
All in One dengan memanfaatkan ekosistem untuk memberikan All in One application that utilizes the ecosystem to provide the
nilai tambah yang sebesar-besarnya bagi bangsa.” greatest added value for the nation."
Jakarta, Maret | March 2025
Indra Utoyo
Direktur Utama
President Director
462 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 465
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Strategi Keberlanjutan
Allo Bank Allo Bank Sustainability Strategy [OJK A.1]
Pembangunan berkelanjutan yang mampu Sustainable development, which maintains
menjaga stabilitas ekonomi serta bersifat inklusif economic stability and promotes inclusivity,
yang saat ini sedang dijalankan Indonesia is currently being implemented in Indonesia.
memerlukan sistem perekonomian nasional This requires a national economic system that
yang mengedepankan keselarasan antara aspek prioritizes harmony between economic, social,
ekonomi, sosial, dan lingkungan hidup. Sejalan and environmental aspects. In line with this,
dengan itu, untuk menggerakkan perekonomian driving the national economy while ensuring this
nasional yang mengedepankan keselarasan harmony, maintaining economic stability, and
antara aspek ekonomi, sosial dan lingkungan fostering inclusivity requires adequate funding
hidup, mampu menjaga stabilitas ekonomi serta sources. In this context, the development of an
bersifat inklusif dibutuhkan sumber pendanaan environmentally friendly financial system, as
dalam jumlah yang memadai. Dalam konteks mandated by Law No. 32 of 2009 concerning
ini, pengembangan sistem lembaga keuangan Environmental Protection and Management,
yang ramah lingkungan hidup sebagaimana has become increasingly important.
diamanatkan dalam Undang-Undang No.
32 Tahun 2009 tentang Perlindungan dan
Pengelolaan Lingkungan Hidup menjadi
semakin makna penting.
Sejalan dengan upaya untuk mewujudkan To support sustainable development efforts,
pembangunan berkelanjutan, Otoritas Jasa the Financial Services Authority (OJK) issued
Keuangan (OJK) menerbitkan Peraturan Otoritas Financial Services Authority Regulation No. 51/
Jasa Keuangan No. 51/POJK.03/2017 tentang POJK.03/2017 concerning the Implementation
2024 Annual Report & Sustainability Report
463
Page 466
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Penerapan Keuangan Berkelanjutan Bagi Lembaga Jasa Keuangan, of Sustainable Finance for Financial Services Institutions, Issuers, and Emiten, dan Perusahaan Publik atau POJK Keuangan Berkelanjutan. Public Companies (POJK on Sustainable Finance). According to this Sesuai peraturan tersebut, keuangan berkelanjutan didefinisikan regulation, sustainable finance is defined as comprehensive support sebagai dukungan menyeluruh dari sektor jasa keuangan untuk from the financial services sector to foster sustainable economic menciptakan pertumbuhan ekonomi berkelanjutan dengan growth by integrating economic, social, and environmental interests. menyelaraskan kepentingan ekonomi, sosial dan lingkungan hidup. Terbitnya POJK Keuangan Berkelanjutan telah menempatkan The issuance of the POJK on Sustainable Finance has positioned lembaga jasa keuangan ke dalam sistem keuangan yang ramah financial services institutions within an environmentally friendly lingkungan, sebagaimana diamanatkan dalam Undang-Undang financial system, as mandated by Law No. 32 of 2009 on No. 32 Tahun 2009 tentang Perlindungan dan Pengelolaan Environmental Protection and Management. Article 43, paragraph 3, Lingkungan Hidup. Pada pasal 43, ayat 3, huruf c, disebutkan letter c of the law highlights the development of an environmentally tentang pengembangan sistem lembaga keuangan dan pasar friendly financial institution and capital market system. modal yang ramah lingkungan hidup. Selain menerjemahkan spirit undang-undang lingkungan, Beyond reflecting the spirit of environmental law, the issuance of penerbitan POJK Keuangan Berkelanjutan tak lepas dari the POJK on Sustainable Finance is also closely tied to the 2015- Roadmap Keuangan Berkelanjutan di Indonesia 2015-2019 yang 2019 Sustainable Finance Roadmap in Indonesia, issued by the dikeluarkan oleh Otoritas Jasa Keuangan. Selepas itu, disusul Financial Services Authority. This was followed by the Sustainable dengan terbitnya Roadmap Keuangan Berkelanjutan Tahap II (2021- Finance Roadmap Phase II (2021-2025), which focuses on creating 2025). Fokus Roadmap Tahap II adalah mendorong terciptanya a comprehensive sustainable finance ecosystem by involving all ekosistem keuangan berkelanjutan secara komprehensif dengan relevant parties and fostering cooperation with other parties. The melibatkan seluruh pihak terkait dan mendorong pengembangan OJK expects this latest roadmap to serve as a foundation for kerja sama dengan pihak lain. OJK berharap roadmap terbaru financial services sector players and as a reference for ministries tersebut dapat menjadi landasan bagi pelaku sektor jasa keuangan, and related institutions in developing innovative financing initiatives sekaligus menjadi rujukan bagi kementerian/lembaga terkait dalam aligned with sustainable finance principles. mengembangkan inisiatif-inisiatif pembiayaan inovatif yang selaras dengan prinsip keuangan berkelanjutan. Sesuai dengan Roadmap Keuangan Berkelanjutan Tahap II (2021 - In accordance with the Sustainable Finance Roadmap Phase II 2025) yang dirilis OJK, Allo Bank sebagai salah satu perusahaan (2021-2025) released by OJK, Allo Bank, as a banking industry yang bergerak di industri perbankan mendukung penuh penerapan player, fully supports the implementation of Sustainable Finance Keuangan Berkelanjutan di Indonesia. Hal ini diharapkan dapat in Indonesia. This commitment is expected to enhance the Bank’s meningkatkan daya tahan dan daya saing Bank sehingga mampu resilience and competitiveness, enabling sustainable growth while tumbuh dan berkembang secara berkesinambungan, serta addressing key environmental issues and mitigating related risks. berkontribusi atas permasalahan isu serta mitigasi risiko dalam Furthermore, Allo Bank aims to contribute positively to the stability hal permasalahan lingkungan hidup dan dapat terus berkontribusi of the financial system. secara positif pada stabilitas sistem keuangan. Dukungan dan komitmen Bank untuk menerapkan keuangan The Bank's commitment to sustainable finance and its support for berkelanjutan, sekaligus mendukung pembangunan berkelanjutan di sustainable development in Indonesia is demonstrated through Indonesia, diwujudkan dengan menyusun Rencana Aksi Keuangan the preparation of a Sustainable Finance Action Plan (RAKB), as Berkelanjutan (RAKB), seperti diatur dalam pasal 4 ayat (1) POJK mandated by Article 4, paragraph (1) of the POJK on Sustainable Keuangan Berkelanjutan. RAKB yang menjadi bagian tak terpisahkan Finance. The RAKB, which is an integral part of the Bank’s Business dengan Rencana Bisnis Bank (RBB) berisi rencana, program dan Plan (RBB), outlines strategic plans, programs, and policies as an kebijakan strategis sebagai implementasi prinsip-prinsip Keuangan implementation of Sustainable Finance principles. Berkelanjutan. 464 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 467
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tentang Laporan
Keberlanjutan About This Sustainability Report
Laporan Keberlanjutan merupakan media untuk This Sustainability Report serves as a medium
menunjukkan akuntabilitas dan transparansi bagi for PT Allo Bank Indonesia Tbk to demonstrate
PT Allo Bank Indonesia Tbk dalam menjalankan its accountability and transparency in running
usaha beserta dampak operasinya terhadap its business and in showing the impact of its
ekonomi, lingkungan hidup dan sosial. Untuk operations on the economy, on the environment
itu, setiap tahun, Bank menerbitkan Laporan and on society. For this reason, the Bank
Keberlanjutan sebagai bagian tak terpisahkan publishes this Sustainability Report annually
dari Laporan Tahunan Perusahaan. as an integral part of its Annual Report.
Laporan keberlanjutan tahun buku 2024 ini This 2024 fiscal year's sustainability report
merupakan penerbitan ketiga, sedangkan marks the third time the Bank has published
laporan tahun sebelumnya terbit pada April this report. The previous year's report was
2024. Laporan ini berisi tentang kinerja published in April 2024. This report contains
keberlanjutan yang terdiri dari tiga aspek, information on sustainability performance that
yaitu aspek ekonomi, lingkungan, dan consists of three aspects, specifically, economic,
sosial beserta dampak yang ditimbulkannya environmental, and social aspects, alongside
selama periode 1 Januari-31 Desember any impacts they caused during the period
2024. Implementasi keselarasan atas ketiga spanning January 1 to December 31, 2024.
aspek sekaligus merupakan dukungan Bank The Bank's alignment of these three aspects also
terhadap penerapan keuangan berkelanjutan serves as its way of implementing sustainable
serta pencapaian Tujuan Pembangunan finance and achieving the nation's Sustainable
Berkelanjutan/TBP (Sustainable Development Development Goals (SDGs).
Goals/SDGs) di Indonesia.
Penerbitan laporan ini merupakan kepatuhan The publication of this report is Allo Bank's way
Allo Bank terhadap Peraturan Otoritas Jasa of complying with Financial Services Authority
Keuangan (POJK) No. 51/POJK.03/2017 Regulation (POJK) No. 51/POJK.03/2017
tentang Penerapan Keuangan Berkelanjutan concerning the Implementation of Sustainable
bagi Lembaga Jasa Keuangan, Emiten dan Finance for Financial Services Institutions,
Perusahaan Publik. Bank menerbitkan laporan Issuers and Public Companies. The Bank has
ini dalam statusnya sebagai Bank Umum published this report in its status as an entity
Kegiatan Usaha (BUKU) 3 per 1 Januari 2022, categorized as a "Conventional Bank with
atau Kelompok Bank berdasarkan Modal Business Activities (BUKU) 3" as of January
Inti (KBMI) 2 sesuai Peraturan OJK No. 12/ 1, 2022, or as a "Bank Group based on Core
POJK.03/2021 tentang Bank Umum. Selain Capital (KBMI) 2" in accordance with POJK No.
edisi cetak, laporan yang sama dapat diunduh di 12/POJK.03/2021 concerning Conventional
website resmi Bank, yaitu https://www.allobank. Bank. In addition to its printed edition, this same
com/. report can be downloaded on the Bank's official
website located at https://www.allobank.com/.
2024 Annual Report & Sustainability Report
465
Page 468
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Aspek Keberlanjutan dalam Laporan Sustainability Aspects in this Report Laporan keberlanjutan ini menyajikan pembahasan aspek-aspek This sustainability report presents a discussion of various material yang material, yaitu aspek-aspek yang penting dan relevan serta aspects, specifically, aspects that are important, relevant and have memiliki dampak yang signifikan bagi Bank maupun para pemangku had a significant impact on the Bank and its stakeholders during kepentingan selama tahun 2024. Penentuan aspek material 2024. The process of determining these material aspects used merujuk pada Lampiran II POJK No. 51/POJK.03/2017 dimana Attachment II of POJK No. 51/POJK.03/2017 as a reference. In it, Bank termasuk dalam kategori perusahaan yang proses bisnisnya the Bank was included within the category of companies whose tidak berkaitan langsung dengan lingkungan hidup. business processes were not directly related to the environment. Lingkup dan Batasan Pelaporan Reporting Scope and Limitations Laporan keberlanjutan ini mencakup aspek keberlanjutan Kantor This sustainability report covers the sustainability aspects of Allo Pusat dan dua kantor cabang Allo Bank di Indonesia. Bank's Head Office and its two branch offices in Indonesia. Umpan Balik Feedback Bank menyediakan Lembar Umpan Balik di bagian akhir laporan The Bank has a Feedback Sheet at the end of this report. Proposals, ini. Usulan, umpan balik, opini, dan sebagainya dari pemangku feedback, opinions, and so on from stakeholders can be sent to: kepentingan bisa dikirimkan kepada: Sekretaris Perusahaan/Corporate Secretary Sekretaris Perusahaan/Corporate Secretary PT Allo Bank Indonesia Tbk PT Allo Bank Indonesia Tbk Menara Bank Mega L. 5-6, Menara Bank Mega 5-6 floor, Jl. Kapten P. Tendean No. 12-14A, St. Kapten P. Tendean No. 12-14A, Jakarta Selatan 12790, Indonesia. South Jakarta 12790, Indonesia. Telepon: (+62 21) 7990671, 79184705, 79182387 Telephone: (+62 21) 7990671, 79184705, 79182387 Email: corsec@allobank.com Email: corsec@allobank.com Website: www.allobank.com Website: www.allobank.com 466 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 469
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Profil
Perusahaan Company Profile
PT Allo Bank Indonesia Tbk, yang selanjutnya PT Allo Bank Indonesia Tbk, hereinafter also
disebut juga dengan Allo Bank atau Bank, known as Allo Bank or the Bank, was previously
sebelumnya dikenal dengan nama PT Bank recognized as PT Bank Arta Griya, established
Arta Griya yang berdiri pada 21 Oktober 1992. on October 21, 1992. Subsequently, on January
Kemudian, pada 18 Januari 1993, namanya 18, 1993, it underwent a name change to PT
berubah menjadi PT. Bank Harda Griya, yang Bank Harda Griya, referred to as Bank Harda.
dikenal dengan sebutan Bank Harda. Tiga tahun Three years later, on December 10, 2016, the
kemudian, tepatnya pada 10 Desember 2016, name was once again altered to PT Bank Harda
namanya kembali diubah menjadi PT Bank Internasional (BHI). In 2015, BHI conducted an
Harda Internasional (BHI). Pada tahun 2015, Initial Public Offering (IPO). Subsequently, BHI
BHI melakukan Penawaran Saham Perdana was officially acquired by PT Mega Corpora and
(IPO) kepada masyarakat. Selanjutnya, BHI received approval from the Financial Services
resmi diakuisisi oleh PT Mega Corpora dan Authority (OJK) in March 2021. On June 30,
mendapatkan persetujuan OJK pada Maret 2021, BHI officially changed its name to PT
2021. Pada 30 Juni 2021, BHI resmi berganti Allo Bank Indonesia Tbk.
nama menjadi PT Allo Bank Indonesia Tbk.
Allo merupakan singkatan dari All in One, yang Allo is an abbreviation for All in One, reflecting the
mewujudkan aspirasi Bank bagi nasabahnya Bank's aspiration for its customers to Experience
untuk Experience a Simple Life. Allo Bank adalah a Simple Life. Allo Bank operates as a subsidiary
anak perusahaan dari CT Corp, sebuah grup of CT Corp, a leading integrated business group
bisnis terintegrasi terkemuka yang berfokus in Indonesia, focusing on consumer-oriented
pada konsumen di Indonesia dengan beragam industries such as financial services, media,
usaha di layanan keuangan, media, ritel, gaya retail, lifestyle, and entertainment. Since its
hidup dan hiburan. Sejak grand launching grand launch on May 20, 2022, until the end
pada 20 Mei 2022 sampai dengan akhir tahun of 2024, Allo Bank has evolved into a leading
2024, Allo Bank telah berkembang menjadi digital-based conventional bank, serving more
bank umum berbasis digital terkemuka dengan than 11 million customers.
melayani lebih dari 11 juta nasabah.
Sejak Juli 2022, Allo Bank berkantor pusat di Since July 2022, Allo Bank has been
Menara Bank Mega, Lantai 5-6, Jalan Kapten headquartered at Menara Bank Mega, 5th-
P. Tendean No. 12-14A, Jakarta Selatan 6th Floor, Kapten P. Tendean Street No. 12-
12790, Telepon: (+62 21) 7990671, 79184705, 14A, South Jakarta 12790, Telephone: (+62 21)
79182387, Faksimile: (+62 21) 3841022, 7990671, 79184705, 79182387, Facsimile: (+62
3851023, Email: corsec@allobank.com, 21) 3841022, 3851023, Email: corsec@allobank.
Website: www.allobank.com. com, Website: www.allobank.com
Per 31 Desember 2024, Bank memiliki 1 Kantor As of December 31, 2024, the Bank has 1 Head
Pusat, 2 Kantor Cabang dan tidak memiliki Office amd 2 Branch Offices with no Sub-
Kantor Cabang Pembantu, maupun Kantor Branch Offices, or Cash Offices. The Bank's
Kas. Adapun Kantor Cabang Bank beralamat Branch Offices are located at: [OJK C.2]
di: [OJK C.2]
1. Menara Bank Mega, Jl. Kapten Tendean 1. Menara Bank Mega, Jl. Kapten Tendean
No. 12-14A, Mampang Prapatan, Jakarta No. 12-14A, Mampang Prapatan, South
Selatan 12790; Jakarta 12790;
2. Indofood Tower, Jl. Jendral Sudirman No. 2. Indofood Tower, Jl. Jendral Sudirman No.
76-78, Setiabudi, Jakarta Selatan 10250. 76-78, Setiabudi, South Jakarta 10250.
2024 Annual Report & Sustainability Report
467
Page 470
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Sesuai Pasal 3 Anggaran Dasar terbaru tahun 2023, maksud dan In accordance with Article 3 of the latest Articles of Association
tujuan Bank adalah melakukan usaha di bidang perbankan sesuai (2023), the purpose and objective of the Bank is to conduct banking
dengan ketentuan peraturan Perundang-undangan yang berlaku, business in accordance with applicable laws and regulations as well
serta optimalisasi pemanfaatan sumber daya yang dimiliki Bank as optimizing its resources to deliver high-quality and competitive
untuk menghasilkan barang dan/atau jasa yang bermutu tinggi products and services. The objective is to generate profits and
dan berdaya saing kuat untuk mendapat/mengejar keuntungan enhance the Bank's value by adhering to the principles of a Limited
guna meningkatkan nilai Bank dengan menerapkan prinsip-prinsip Liability Company. [OJK C.4]
Perseroan Terbatas.[OJK C.4]
Allo Bank merupakan Perseroan terbatas yang bergerak dalam Allo Bank is a limited liability company engaged in digital-based
bidang perbankan umum berbasis layanan digital yang meliputi commercial banking. It offers banking products and services in
produk dan jasa perbankan dalam dua segmen utama yaitu two main segments: Wholesale Banking and Retail Banking. As
Wholesale Banking dan Retail Banking. Sesuai dengan Anggaran outlined in its latest Articles of Association, the Bank provides the
Dasar terakhir, produk dan jasa yang dihasilkan oleh Allo Bank, following products and services: [OJK C.4]
sebagai berikut:[OJK C.4]
1. Giro 1. Current Accounts
2. Tabungan 2. Savings Accounts
3. Deposito 3. Deposits
4. Kredit/pembiayaan baik untuk segmen Wholesale maupun Retail 4. Credit/financing for both Wholesale and Retail segments
5. Layanan termasuk transfer, pembayaran tagihan, top up, 5. Services including transfers, bill payments, top ups, Customer
Rekening Dana Nasabah (RDN), Virtual Account, dan Virtual Fund Accounts (RDN), Virtual Accounts, and Virtual Debit Cards
Debit Card
Visi, Misi, dan Nilai-Nilai Bank [OJK C.1] Vision, Mission, and Values of the Bank [OJK C.1]
Visi: Vision:
Menjadi bank umum berbasis digital terbaik melalui aplikasi All in Become the best digital-based commercial bank through the All-
One dengan memanfaatkan ekosistem untuk memberikan nilai in-One application by utilizing the ecosystem to provide greatest
tambah yang sebesar-besarnya bagi bangsa. added value for society and the nation.
Misi: Mission:
Menyediakan produk dan layanan perbankan digital inovatif Providing innovative digital banking products and services
terintegrasi dengan ekosistem yang memberikan solusi dan seamless integrated with ecosystems that provides solutions and seamless
customer experience bagi nasabah serta memberikan nilai tambah customer experience for customers and extending high added
yang tinggi kepada seluruh pemangku kepentingan. value to all stakeholders.
Review Visi dan Misi oleh Manajemen Management Review of Allo Bank Vision and Mission
Visi dan Misi Bank ditetapkan dan diberlakukan melalui kajian secara The Bank’s vision and mission are formulated and executed
berkala untuk memastikan relevansinya dengan perkembangan through periodic reviews to ensure their alignment with the
lingkungan bisnis Bank. Pernyataan terkait Visi dan Misi Bank evolving landscape of the Bank’s operations. Statements pertaining
telah mendapatkan persetujuan bersama dari Dewan Komisaris to the Bank’s vision and mission have been endorsed by the
dan Direksi. Hingga saat ini, Dewan Komisaris dan Direksi menilai Board of Commissioners and Directors. At present, the Board of
bahwa pencapaian Visi dan Misi Bank masih relevan dengan Commissioners and Directors evaluate that the realization of the
perkembangan dan kondisi lingkungan bisnis tahun 2024 serta Bank’s vision and mission remains pertinent to the advancements
arah dan tujuan bisnis Bank. and circumstances of the business environment in 2024, along
with the Bank’s strategic direction and objectives.
468 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 471
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Nilai-Nilai Perusahaan Corporate Values
Data-driven: Data-driven:
Kami mengambil keputusan dan memecahkan masalah berdasarkan We make decisions and solve problems based on credible data
data dan informasi yang kredibel. and information.
Impact: Impact:
Kami memberikan solusi dan dampak positif kepada semua We provide solutions and positive impacts to all stakeholders.
stakeholders;
Growth: Growth:
Kami terus menerus tumbuh dan berkembang secara We are continuously growing and developing on an ongoing basis
berkesinambungan untuk masa depan yang lebih baik; for a better future.
In harmony: In harmony
Kami bekerjasama dengan semua pihak secara harmonis yang We collaborate harmoniously with all parties with results oriented.
berorientasi pada hasil;
Transparency: Transparency
Kami berperilaku jujur dan transparan dalam segala aspek pekerjaan; We behave honestly and transparently in all work-related aspects.
Agility: Agility
Kami tangkas beradaptasi terhadap semua perubahan yang terjadi; We are agile in adapting to all of the current changes.
Learning: Learning
Kami terus belajar, berbagi dan menerapkan pengetahuan dan We constantly learn, share, and apply new knowledge and skills
keterampilan baru untuk mengembangkan kompetensi diri. to build our competencies
Skala Usaha [OJK C.3]
Business Scale
Uraian Satuan 2024 2023 2022
Description Unit
Jumlah pegawai tetap dan kontrak (tidak termasuk Orang 484 380 262
outsource) People
Number of full-time and contract workers (not
including outsource)
Pendapatan operasional-Neto Jutaan Rupiah 1.446.728 1.159.330 760.749
Operating Income-Netm Million Rupiah
Pendapatan bunga bersih Jutaan Rupiah 1.117.502 1.036.755 627.229
Net Interest Income Million Rupiah
Pendapatan operasional lainnya Jutaan Rupiah 329.226 122.575 133.520
Other Operating Incom Million Rupiah
Biaya kerugian penurunan nilai aset keuangan Jutaan Rupiah (113.880) (47.942) (44.262)
Cost of allowance for Impairment losses Million Rupiah
Biaya operasional Jutaan Rupiah (734.025) (535.827) (359.884)
Operating expense Million Rupiah
Pendapatan bunga Jutaan Rupiah 1.486.931 1.328.943 767.672
Interest income Million Rupiah
Beban bunga Jutaan Rupiah (369.429) (292.188) (140.443)
Interest expense Million Rupiah
Pendapatan bunga bersih Jutaan Rupiah 1.117.502 1.036.755 627.229
Net interest income Million Rupiah
2024 Annual Report & Sustainability Report
469
Page 472
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Uraian Satuan 2024 2023 2022
Description Unit
Pendapatan non-operasional bersih Jutaan Rupiah 127 (287) (4.291)
Non-operating income - Net Million Rupiah
Laba (Rugi) sebelum pajak Jutaan Rupiah 598.950 575.274 352.312
Income (Loss) before Tax Expense Million Rupiah
Laba (Rugi) tahun berjalan Jutaan Rupiah 467.106 444.566 270.030
Income (Loss) for the Current Year Million Rupiah
Jumlah liabilitas Jutaan Rupiah 6.718.277 5.865.359 4.647.688
Total Liabilities Million Rupiah
Jumlah Ekuitas Jutaan Rupiah 7.265.737 6.885.076 6.411.269
Total Equity Million Rupiah
Jumlah Aset Jutaan Rupiah 13.984.014 12.750.435 11.058.957
Total Assets Million Rupiah
Wilayah Operasi Kantor • 1 Kantor Pusat • 1 Kantor Pusat • 1 Kantor Pusat
Operational Areas Beroprasi • 2 Kantor Cabang • 2 Kantor Cabang • 2 Kantor Cabang
Operational • 1 Head Office • 1 Head Office • 1 Head Office
Offices • 2 Branch Offices • 2 Branch Offices • 2 Branch Offices
Per 31 Desember 2024, Bank memiliki karyawan sebanyak 484 As of December 31, 2024, the Bank employed 484 individuals,
orang, naik dibandingkan tahun 2023 dengan karyawan sebanyak marking an increase from 380 employees in 2023. The breakdown
380 orang. Pembagian karyawan berdasarkan jenis kelamin, of employees according to gender, position, age, education, and
jabatan, usia, pendidikan, dan status ketenagakerjaan disampaikan employment status is provided comprehensively in the Profile
selengkapnya di Bab Profil Laporan Tahunan Bank. [OJK C.3] Chapter of the Bank’s Annual Report. [OJK C.3]
Perubahan Signifikan pada Bank [OJK C.6] Significant Changes in the Bank [OJK C.6]
Pada tahun pelaporan terdapat perubahan signifikan antara During the reporting year, significant changes took place, including
lain Bank merilis produk Rekening Dana Nasabah (RDN) pada the launch of the Customer Fund Account (RDN) product on July 1,
1 Juli 2024. Peluncuran produk tersebut dilakukan setelah PT 2024. This product was introduced following PT Kustodian Sentral
Kustodian Sentral Efek Indonesia (KSEI) menetapkan dan melakukan Efek Indonesia (KSEI)'s approval and the signing of a Cooperation
penandatanganan Perjanjian Kerja Sama (PKS) dengan sebanyak 23 Agreement (PKS) with 23 Customer Fund Account Administrator
Bank Administrator Rekening Dana Nasabah (Bank Administrator Banks (RDN Administrator Banks) and Payment Banks, one of
RDN) dan Bank Pembayaran, di mana salah satunya adalah Allo which is Allo Bank.
Bank .
Sesuai dengan Surat Edaran Otoritas Jasa Keuangan No. 6/ In accordance with the Financial Services Authority's Circular
SEOJK.04/2019 tentang Pedoman Pembukaan Rekening Efek Letter No. 6/SEOJK.04/2019 concerning Guidelines for Opening
Nasabah dan Rekening Dana Nasabah Secara Elektronik Melalui Customer Securities Accounts and Customer Fund Accounts
Perusahaan Efek yang Melakukan Kegiatan Usaha Sebagai Perantara Electronically Through Securities Companies Acting as Securities
Pedagang Efek, yang dimaksud Rekening Dana Nasabah adalah Trading Intermediaries, the Customer Fund Account is a fund
rekening dana atas nama nasabah di Bank RDN yang ditunjuk account registered under the customer's name at an RDN
oleh Lembaga Penyimpanan dan Penyelesaian sesuai ketentuan Bank designated by the Depository and Settlement Institution,
peraturan perundang-undangan, yang diadministrasikan oleh in compliance with relevant laws and regulations. This account
Perantara Pedagang Efek berdasarkan kuasa atau instruksi dari is managed by a Securities Trading Intermediary based on the
nasabah . customer's power of attorney or instructions.
Selain itu, Bank juga menawarkan layanan pembayaran Virtual Additionally, the Bank also offers Virtual Account payment services
Account dan layanan Virtual Debit Card dalam rangka memenuhi and Virtual Debit Card services, providing customers with a secure,
berbagai aspek kebutuhan finansial nasabahnya secara aman, convenient, and reliable financial experience.
nyaman dan handal.
470 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 473
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Keanggotaan pada Asosiasi [OJK C.5] Membership in Associations [OJK C.5]
Bank bergabung dengan berbagai asosiasi/perhimpunan dengan The Bank has joined various associations within its industry to stay
bidang usaha yang sama sehingga dapat mengikuti berbagai abreast of the latest developments and issues. Additionally, this
perkembangan isu terkini, sekaligus bisa memberikan masukan participation allows the Bank to contribute input and suggestions
dan saran untuk perkembangan dan kemajuan bersama dalam for collaborative growth and progress within these associations.
asosiasi/perhimpunan tersebut. Asosiasi/perhimpunan yang diikuti Throughout 2024, the Bank took part in the following associations:
Bank selama tahun 2024 adalah sebagai berikut:
Status (Anggota, Skala (Lokal, Nasional, Regional,
Nama Pengurus) Internasional)
Name Status (Member, Scale (Local, National, Regional,
Management) International
Perhimpunan Bank Swasta Nasional (Perbanas) Anggota Nasional
National Private Banks Association (Perbanas) Member National
Asosiasi Sistem Pembayaran Indonesia (ASPI) Anggota Nasional
Indonesian Payment System Association (ASPI) Member National
Forum Komunikasi Direktur Kepatuhan Perbankan (FKDKP) Anggota Nasional
Communication Forum of Banking Compliance Directors (FKDKP) Member National
Lembaga Alternatif Penyelesaian Sengketa (LAPS) SJK Anggota Nasional
Alternative Dispute Resolution Institution (LAPS) SJK Member National
2024 Annual Report & Sustainability Report
471
Page 474
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Tata Kelola
Berkelanjutan Sustainable Governance
Tata Kelola Perusahaan yang Baik (Good Good Corporate Governance plays a crucial role
Corporate Governance) memiliki peran krusial in the Indonesian banking industry, especially for
dalam industri perbankan Indonesia, terutama digital service-based conventional bank such
bagi bank umum berbasis layanan digital as Allo Bank. Implementing comprehensive
seperti Allo Bank. Penerapan tata kelola secara governance not only strengthens the Bank's
paripurna tidak hanya memperkuat posisi Bank position in facing competition but also
dalam menghadapi persaingan, tetapi juga supports long-term growth and enhances
mendukung perkembangan jangka panjang stakeholder trust. Furthermore, for Allo Bank,
dan meningkatkan kepercayaan para pemangku which operates in a rapidly evolving digital
kepentingan. Lebih lanjut, bagi Allo Bank yang technology environment, good governance is
beroperasi dalam lingkungan teknologi digital increasingly important to ensure the adoption
yang cepat berubah, tata kelola yang baik of innovative and secure technology, effective
menjadi semakin penting untuk memastikan risk management, and optimal customer data
penggunaan teknologi yang inovatif dan protection.
aman, manajemen risiko yang memadai, serta
perlindungan data nasabah yang maksimal.
Allo Bank sebagai bagian dari pelaku industri As part of the banking industry, Allo
perbankan berkomitmen untuk mendukung Bank is committed to fully supporting the
sepenuhnya penerapan tata kelola yang baik implementation of good governance, as outlined
bagi bank sebagaimana disampaikan dalam in the POJK on Governance. The Bank realizes
POJK Tata Kelola. Dukungan direalisasikan this commitment by applying the principles
Bank dengan menerapkan prinsip-prinsip of corporate governance—transparency,
tata kelola yaitu keterbukaan (transparency), accountability, responsibility, independence,
akuntabilitas (accountability), tanggung jawab and fairness and equity. To achieve the best
(responsibilities), independensi (independency), outcomes, these principles are implemented
serta kewajaran, dan kesetaraan (fairness across all levels of the organization.
& equity). Untuk mendapatkan hasil terbaik,
prinsip-prinsip tersebut diterapkan Bank di
seluruh tingkatan atau jenjang organisasi.
Penanggung Jawab Penerapan Responsible Party in Implementing
Keuangan Berkelanjutan di Allo Bank Sustainable Finance at Allo Bank
Sebagai lembaga jasa keuangan sekaligus As a financial services institution and a public
perusahaan terbuka, Allo Bank berkewajiban company, Allo Bank is obliged to comply with
untuk menerapkan Peraturan Otoritas Jasa Financial Services Authority Regulation No. 51/
Keuangan No. 51/POJK.03/2017 tentang POJK.03/2017 concerning the Implementation
Penerapan Keuangan Berkelanjutan bagi of Sustainable Finance for Financial Services
Lembaga Jasa Keuangan, Emiten dan Institutions, Issuers, and Public Companies
Perusahaan Publik atau POJK Keuangan (POJK Sustainable Finance). To strengthen its
Berkelanjutan. Untuk mengukuhkan penerapan commitment to sustainable finance, the Bank
keuangan berkelanjutan, Bank melakukan has made a number of adjustments to its
sejumlah penyesuaian tata kelola perusahaan corporate governance framework by prioritizing
yang baik, yaitu tata kelola yang mengutamakan environmental, social, and governance (ESG)
aspek Lingkungan (Environmental), Sosial aspects. These adjustments include assigning
(Social) dan Tata Kelola (Governance) atau responsibility for implementing sustainable
ESG. Penyesuaian yang dilakukan Bank antara finance in accordance with Appendix II of POJK
lain berkaitan dengan penanggung jawab Sustainable Finance. The appendix outlines
472 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 475
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
penerapan keuangan berkelanjutan sebagaimana diatur dalam the duties of the Board of Directors, Board of Commissioners,
Lampiran II POJK Keuangan Berkelanjutan. Dalam lampiran tersebut employees, officials, and relevant work units in implementing
antara lain mengatur tentang tugas anggota Direksi dan anggota sustainable finance.
Dewan Komisaris, pegawai, pejabat dan/atau unit kerja yang menjadi
penanggung jawab penerapan keuangan berkelanjutan.
Di Allo Bank, penerapan keuangan berkelanjutan secara umum At Allo Bank, the overall responsibility for sustainable finance
menjadi tanggung jawab Direktur Utama sebagai pemimpin rests with the President Director as the highest-ranking leader.
tertinggi. Namun demikian, dalam pelaksanaan penerapan However, its implementation involves nearly all division leaders,
keuangan berkelanjutan, hampir seluruh pemimpin divisi yang including Corporate Secretary & PMO, Funding, Credit, HRD,
ada di Bank turut terlibat antara lain Sekretaris Perusahaan & PMO, Finance, Procurement & Business Planning, and Risk Management
Funding, Kredit, HRD, Finance, Procurement & Business Planning, & Compliance. [OJK E.1]
serta Manajemen Risiko dan Kepatuhan. [OJK E.1]
Pada tahun 2024, Bank memperoleh sertifikasi COBIT 2019 In 2024, the Bank obtained COBIT 2019 certification with an
dengan Tingkat Maturitas TI di level 4,21. Keberhasilan tersebut IT Maturity Level of 4.21. This achievement reflects the Bank’s
menjadi pemenuhan salah satu komitmen dan dedikasi Bank dalam commitment and dedication to implementing the highest standards
menerapkan standar terbaik dalam tata kelola teknologi informasi. in information technology governance. It also demonstrates the
Pencapaian ini merupakan bentuk keseriusan Bank dalam berinovasi Bank’s continuous efforts to innovate and ensure that all business
secara terus menerus dan memastikan bahwa setiap proses bisnis processes involving information technology are well-managed,
yang menggunakan teknologi informasi berjalan dengan baik, controlled, and sustainable.
terkontrol, dan berkelanjutan.
Secara internal Bank telah melakukan beberapa inisiatif untuk Internally, the Bank has launched several initiatives to adopt
implementasi dokumentasi secara paperless salah satunya dengan paperless documentation, including the use of digital signatures.
penggunaan tanda tangan digital. Sehingga memungkinkan This initiative enables management to sign documents efficiently,
manajemen untuk menandatangani dokumen secara hemat waktu, reducing printing, shipping, and storage costs while minimizing
menghemat biaya percetakan, pengiriman dan penyimpanan juga errors associated with manual signatures.
mengurangi kesalahan yang terkait dengan tanda tangan manual.
Dalam rangka peningkatan kompetensi karyawan, berbagai program To enhance employee competency, the Bank has conducted
training internal telah dilakukan secara daring dan sertifikat yang various internal training programs online, with certificates issued
diberikan kepada karyawan berbentuk sertifikat secara online. digitally. Additionally, Allo Bank utilizes the KnowBe4 platform to
Bank menggunakan KnowBe4 sebagai platform untuk melakukan provide regular training sessions, allowing employees to obtain
training secara berkala kepada karyawan dimana karyawan bisa certifications online.
mendapatkan sertifikat secara online.
Memenuhi prinsip tata kelola, Bank telah melakukan pengkinian pada In alignment with governance principles, the Bank has updated
kebijakan penerapan keuangan berkelanjutan, dan kebijakan lain its policies on sustainable finance implementation and other
yang relevan dengan prinsip keuangan berkelanjutan. Selanjutnya policies relevant to sustainable finance principles. Furthermore,
Bank dalam menjalankan hubungan bisnis Bank dengan Nasabah in conducting business relations with customers and external parties
dan pihak eksternal secara Bank wide, Bank mengedepankan across the Bank, it prioritizes the principle of prudence (Prudential
prinsip kehati-hatian (Prudential Banking), beretika, juga nilai-nilai Banking), ethics, and generally accepted social values.
sosial yang berlaku umum.
Untuk meningkatkan awareness karyawan terhadap kebersihan To raise employee awareness about workplace cleanliness, the
di lingkungan tempat bekerja, Bank telah menetapkan kebijakan Bank has introduced policies promoting a clean work environment.
terkait tempat kerja bersih dan lingkungan kantor bersih.
Dalam hal melakukan edukasi literasi inklusi keuangan atas produk In terms of promoting financial inclusion and literacy education on
perbankan digital untuk mendukung cashless society, Bank menjadi digital banking products to support a cashless society, the Bank acts
fasilitator dan juga bekerjasama dengan berbagai institusi termasuk as a facilitator and collaborates with various institutions, including
lembaga pendidikan. educational institutions.
2024 Annual Report & Sustainability Report
473
Page 476
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Kegiatan tanggung jawab lingkungan secara internal, Bank Regarding internal environmental responsibility, the Bank
mengimplementasikan nya antara lain dengan meminimalisir implements initiatives such as minimizing paper usage, reducing
penggunaan kertas, tempat makan/tempat minum sekali pakai, disposable food and drink containers, conserving water and
upaya dalam rangka hemat penggunaan air, hemat penggunaan electricity, and providing designated disposal areas for unused
listrik, serta penyediaan tempat khusus kertas tidak terpakai di paper near printers.
samping mesin printer.
Kampanye kepada seluruh karyawan dilakukan melalui Culture Employee engagement in these initiatives is encouraged through
Awareness Program via email blast kepada seluruh karyawan, dan the Culture Awareness Program, which includes email blasts to
Clean Desk Awareness berupa kebijakan dan kuis yang ditujukan all employees, as well as Clean Desk Awareness campaigns in the
kepada seluruh karyawan. form of policies and quizzes directed at all staff.
Komitmen dan Kebijakan Tanggung Jawab Sosial Perusahaan Allo Bank's Corporate Social Responsibility (CSR) commitment
(Corporate Social Responsibility atau “CSR”) Allo Bank dalam and policy in implementing its social responsibility initiatives are
menerapkan kegiatan tanggung jawab sosialnya mengacu pada based on the principle of sustainability, reflecting the Bank's
prinsip keberlanjutan (sustainability) sebagai bentuk komitmen Bank dedication to supporting the Sustainable Development Goals (SDGs)
untuk mendukung misi Sustainable Development Goals (SDGs) dan mission. Through transparent and ethical behavior, the Bank aims
membangun hubungan harmonis dengan masyarakat, lingkungan, to build harmonious relationships with society, the environment,
komunitas dan seluruh pemangku kepentingan lainnya melalui communities, and all other stakeholders.
perilaku yang transparan dan beretika.
CSR juga merupakan bentuk komitmen Allo Bank kepada lingkungan CSR is also a manifestation of Allo Bank's commitment to
dengan tujuan untuk berperan serta dalam pembangunan environmental sustainability, aligning with the Triple Bottom Line
berkelanjutan selaras dengan prinsip Triple Bottom Line yaitu principle—People, Planet, and Profit (3P)—while delivering added
People, Planet, Profit (3P) serta memberikan nilai tambah kepada value to all stakeholders, including internal entities, to support
semua pemangku kepentingan termasuk internal perusahaan the Bank's growth. Allo Bank defines CSR as the responsibility
guna mendukung pertumbuhan Bank. Allo bank mendefinisikan for the impact of its decisions and activities on society and the
CSR sebagai tanggung jawab atas dampak dari keputusan dan environment, carried out through transparent and ethical practices
aktivitasnya pada masyarakat dan lingkungan, melalui perilaku with the following objectives:
yang transparan dan beretika yang bertujuan untuk:
1. Membangun citra dan reputasi Bank yang dapat meningkatkan 1. Enhancing the Bank’s image and reputation to strengthen
kepercayaan kepada Allo Bank public trust.
2. Membangun hubungan yang harmonis dengan segenap 2. Building and maintaining harmonious relationships with all
pemangku kepentingan. stakeholders.
3. Menumbuhkan positive value karyawan terhadap Allo Bank. 3. Fostering positive employee value towards Allo Bank.
4. Konsisten dengan pembangunan berkelanjutan (sustainable 4. Ensuring alignment with sustainable development and
development) dan kesejahteraan masyarakat. community welfare.
5. Mematuhi peraturan dan ketentuan yang berlaku. 5. Complying with applicable rules and regulations.
Allo Bank terus berupaya memaksimalkan manfaat atas keberadaan Allo Bank continuously strives to maximize its positive impact on
Bank di tengah masyarakat melalui berbagai program CSR di society through various CSR programs under the "Allo Bank Pelita"
bawah branding “Allo Bank Pelita”, termasuk program kerja sama branding, including a collaboration program with the CT Arsa
dengan CT Arsa Foundation untuk semakin memperkuat dampak Foundation, further reinforcing the Bank’s social impact on all
sosial kepada semua stakeholders. stakeholders.
Untuk memperkuat tata kelola yang mengutamakan ESG, sekaligus To enhance governance that prioritizes ESG aspects while aligning
menyelaraskan dengan Rencana Aksi Keuangan Berkelanjutan with the Sustainable Finance Action Plan (RAKB), Allo Bank has
(RAKB), Allo Bank melakukan tiga penyesuaian kebijakan manajemen made three adjustments to its risk management policies and
risiko dan tata kelola perusahaan yang baik sebagai berikut: corporate governance framework:
1. Melakukan pembaruan kebijakan perkreditan Bank terkait 1. Updating the Bank's credit policy to include regulations on
pengaturan pemberian kredit yang perlu dihindari dengan credit provisions that should be avoided, particularly those
mempertimbangkan dampak aktivitas usaha yang dihasilkan involving business activities generated by prospective debtors
dari calon debitur terhadap keberlangsungan lingkungan hidup with negative environmental and social impacts.
dan dampak negatif terhadap sosial.
2. Melakukan pembaruan terhadap Standard Operating Procedure 2. Revising the Standard Operating Procedure (SOP) pertaining
(SOP) kredit terkait penerapan Keuangan Berkelanjutan. to the implementation of Sustainable Finance Principles.
474 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 477
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
3. Melakukan sosialisasi dan peningkatan kesadaran terhadap 3. Initiating outreach efforts and heightened awareness regarding
pemahaman keuangan berkelanjutan. Untuk meminimalisasi sustainable finance. To mitigate risks associated with ESG
risiko dalam penerapan ESG, Allo Bank telah mencanangkan implementation, Allo Bank has set a target to adjust and
target penyesuaian dan pembaruan kebijakan perkreditan update the Bank's credit policy and SOP as well as enhancing
Bank, SOP kredit, serta meningkatkan kesadaran atas keuangan awareness of sustainable finance in industry analysis. These
berkelanjutan dalam analisis industri dan akan meningkatkan efforts are expected to strengthen stakeholder trust and
kepercayaan pemangku kepentingan dan mendukung contribute to sustainable development.
pembangunan berkelanjutan.
Pengembangan Kompetensi Terkait Keuangan Sustainable Financial Competencies Development
Berkelanjutan
Allo Bank memberikan kesempatan seluas-luasnya kepada Dewan Allo Bank provides extensive opportunities for the Board of
Komisaris, Direksi dan seluruh pemimpin divisi untuk mengikuti Commissioners, Board of Directors, and all division leaders to
pengembangan kompetensi terkait penerapan keuangan participate in competency development programs related to
berkelanjutan. Bank meyakini pengembangan kompetensi tersebut sustainable finance. The Bank believes that enhancing competencies
akan sangat membantu dalam penerapan keuangan berkelanjutan will significantly support the effective implementation of sustainable
pada tahun pelaporan maupun pada tahun-tahun berikutnya. finance both in the reporting year and in the years to come. A
Pengembangan kompetensi selengkapnya selama pada tahun detailed overview of the competency development programs
2024 disampaikan dalam tabel berikut: [OJK E.2] conducted in 2024 is presented in the following table:
Tabel Pengembangan Kompetensi terkait Keuangan Berkelanjutan Tahun 2024
Table of Sustainable Financial Competencies Development in 2024
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
Dewan Komisaris
Board of Commissioners
Aviliani In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 7 Februari 2024 PT Garda Multi
Risk Management Certification Briefing – Level 6 (LSP LSPP) February 7, 2024 Talenta
In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 12 Februari 2024 Allo Bank
Risk Management Certification Briefing – Level 6 (LSP LSPP) February 12, 2024
In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 21 Februari 2024 Allo Bank
Risk Management Certification Briefing – Level 6 (LSP LSPP) February 21, 2024
In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 28 Februari 2024 Allo Bank
Risk Management Certification Briefing – Level 6 (LSP LSPP) February 28, 2024
Off House Uji Kompetensi Manajemen Risiko Perbankan - Skema 28 Maret 2024 LSP LSPP
Sertifikasi KKNI Kualifikasi 6 LSP LSPP March 28, 2024
Banking Risk Management Competency Test - KKNI
Certification Qualification Level 6 (LSP LSPP)
In House Allo Bank Forum 2024 20 Mei 2024 Allo Bank
Allo Bank Forum 2024 May 20, 2024
In House Sosialisasi Penerapan Program APU PPT & PPPSPM 12 September 2024 PPATK
Socialization of the implementation of the AML-CTF & CPF September 12, 2024
Program
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely or Risk It All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
Off House Seminar Penyelarasan Manajemen Risiko Bagi Komisaris 16 Oktober 2024 Bankers
Jenjang 6 October 16, 2024 Association for
Risk Management Alignment Seminar for Commissioners - Risk Management
Level 6 - BARA
2024 Annual Report & Sustainability Report
475
Page 478
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
Rosmaya In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 7 Februari 2024 PT Garda Multi
Risk Management Certification Briefing – Level 6 (LSP LSPP) February 7, 2024 Talenta
In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 12 Februari 2024 Allo Bank
Risk Management Certification Briefing – Level 6 (LSP LSPP) February 12, 2024
In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 21 Februari 2024 Allo Bank
Risk Management Certification Briefing – Level 6 (LSP LSPP) February 21, 2024
In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 28 Februari 2024 Allo Bank
Risk Management Certification Briefing – Level 6 (LSP LSPP) February 28, 2024
Off House Uji Kompetensi Manajemen Risiko Perbankan - Skema 27 Maret 2024 LSP LSPP
Sertifikasi KKNI Kualifikasi 6 LSP LSPP March 27, 2024
Banking Risk Management Competency Test - KKNI
Certification Qualification Level 6 (LSP LSPP)
In House Sosialisasi Tentang Perubahan Kedua UU Informasi dan 2 Mei 2024 Kementerian
Transaksi Elektronik dan Perkembangan RPP Pelindungan Data May 02, 2024 Komunikasi
Pribadi dan Informatika
Socialization on the Second Amendment to the Electronic Republik Indonesia
Information and Transactions Law and the Development of the The Ministry of
Personal Data Protection RPP Communications
and Information
Technology of
the Republic of
Indonesia
In House Allo Bank Forum 2024 20 Mei 2024 Allo Bank
Allo Bank Forum 2024 May 20, 2024
In House Sosialisasi Penerapan Program APU PPT & PPPSPM 12 September 2024 PPATK
Socialization of the implementation of the AML-CTF & CPF September 12, 2024
Program
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely Or Risk It All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
Off House Seminar Penyelarasan Manajemen Risiko Bagi Komisaris 16 Oktober 2024 Bankers
Jenjang 6 October 16, 2024 Association for
Risk Management Alignment Seminar for Commissioners - Risk Management
Level 6 - BARA
Ali In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 7 Februari 2024 PT Garda Multi
Gunawan Risk Management Certification Briefing – Level 6 (LSP LSPP) February 07, 2024 Talenta Lista Irna
In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 12 Februari 2024 Allo Bank
Risk Management Certification Briefing – Level 6 (LSP LSPP) February 12, 2024
In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 21 Februari 2024 Allo Bank
Risk Management Certification Briefing – Level 6 (LSP LSPP) February 21, 2024
In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 6 LSP LSPP 28 Februari 2024 Allo Bank
Risk Management Certification Briefing – Level 6 (LSP LSPP) February 28, 2024
Off House Uji Kompetensi Manajemen Risiko Perbankan - Skema 27 Maret 2024 LSP LSPP
Sertifikasi KKNI Kualifikasi 6 LSP LSPP March 27, 2024
Banking Risk Management Competency Test - KKNI
Certification Qualification Level 6 (LSP LSPP)
In House Sosialisasi Penerapan Program APU PPT & PPPSPM 12 September 2024 PPATK
Socialization of the implementation of the AML-CTF & CPF September 12, 2024
Program
476 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 479
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely or Risk It All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
Off House Seminar Penyelarasan Manajemen Risiko Bagi Komisaris 16 Oktober 2024 Bankers
Jenjang 6 October 16, 2024 Association for
Risk Management Alignment Seminar for Commissioners - Risk Management
Level 6 - BARA
Direksi
Board of Directors
Indra Utoyo In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 7 LSP LSPP 15 Februari 2024 Efektifpro
Risk Management Certification Briefing – Level 7 (LSP LSPP) February 15, 2024
Off House Uji Kompetensi Resertifikasi Manajemen Risiko Perbankan - 1 Maret 2024 LSP LSPP
Skema Sertifikasi KKNI Kualifikasi 7 LSP LSPP March 01, 2024
Banking Risk Management Competency Test - KKNI
Certification Qualification Level 7 (LSP LSPP)
In House Sosialisasi Tentang Perubahan Kedua UU Informasi Dan 2 Mei 2024 Kementerian
Transaksi Elektronik dan Perkembangan RPP Pelindungan Data May 02, 2024 Komunikasi
Pribadi dan Informatika
Socialization on the Second Amendment to the Electronic Republik Indonesia
Information and Transactions Law and the Development of the The Ministry of
Personal Data Protection RPP Communications
and Information
Technology of
the Republic of
Indonesia
In House Security Awareness ISO/IEC 27001:2022 2 Mei 2024 PT Nalar Teknologi
Security Awareness ISO/IEC 27001:2022 May 02, 2024 Orkestrator
In House Allo Bank Forum 2024 20 Mei 2024 Allo Bank
Allo Bank Forum 2024 May 20, 2024
Off House Seminar Penyelarasan Jenjang 7 Bagi Direksi Sertifikasi 8 Agustus 2024 Bankers
Manajemen Risiko August 08, 2024 Association for
Risk Management Certification Level 7 - Alignment Seminar for Risk Management
Directors - BARA
Off House Analisis Risiko Siber dan Digital Trust pada Perbankan 5 September 2024 Otoritas Jasa
Serta Optimalisasi Penggunaan Artificial Intelligence dalam September 05, Keuangan
Mendukung Kegiatan Pengawasan Perbankan 2024
Cyber Risk Analysis and Digital Trust in Banking and Optimizing
the Use of Artificial Intelligence in Supporting Banking
Supervision Activities
In House Sosialisasi Penerapan Program APU PPT & PPPSPM 12 September 2024 PPATK
Socialization of the implementation of the AML-CTF & CPF September 12, 2024
Program
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely or Risk IT All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
In House Table Top Penyelenggaraan Pengujian Crisis Management Plan 13 Desember 2024 Allo Bank
Table Top - Implementation of Crisis Management Plan Testing December 13, 2024
2024 Annual Report & Sustainability Report
477
Page 480
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
Ari In House Refreshment Program Pengkinian Sertifikasi Manajemen Risiko 19 Januari 2024 Efektifpro
Yanuanto Jenjang 7 LSP LSPP January 19, 2024
Asah Refreshment Program for Updating Risk Management
Certification - Level 7 (LSP LSPP)
Off House Uji Kompetensi Resertifikasi Manajemen Risiko Perbankan - 23 Februari 2024 LSP LSPP
Skema Sertifikasi KKNI Kualifikasi 7 LSP LSPP February 23, 2024
Banking Risk Management Competency Test - KKNI
Certification Qualification Level 7 (LSP LSPP)
In House Sosialisasi Tentang Perubahan Kedua UU Informasi Dan 2 Mei 2024 Kementerian
Transaksi Elektronik dan Perkembangan RPP Pelindungan Data May 02, 2024 Komunikasi
Pribadi dan Informatika
Socialization on the Second Amendment to the Electronic Republik Indonesia
Information and Transactions Law and the Development of the The Ministry of
Personal Data Protection RPP Communications
and Information
Technology of
the Republic of
Indonesia
In House Security Awareness ISO/IEC 27001:2022 2 Mei 2024 PT Nalar Teknologi
Security Awareness ISO/IEC 27001:2022 May 02, 2024 Orkestrator
In House Allo Bank Forum 2024 20 Mei 2024 Allo Bank
Allo Bank Forum 2024 May 20, 2024
Off House Seminar Penyelarasan Jenjang 7 bagi Direksi Sertifikasi 8 Agustus 2024 Bankers
Manajemen Risiko August 08, 2024 Association for
Risk Management Certification Level 7 - Alignment Seminar for Risk Management
Directors - BARA
In House Sosialisasi Penerapan Program APU PPT & PPPSPM 12 September 2024 PPATK
Socialization of the implementation of the AML-CTF & CPF September 12, 2024
Program
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely or Risk IT All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
Off House Refreshment Treasury J7 12 Oktober 2024 ACI Financial
Refreshment Treasury J7 October 12, 2024 Markets Association
In House Table Top Penyelenggaraan Pengujian Crisis Management Plan 13 Desember 2024 Allo Bank
Table Top - Implementation of Crisis Management Plan Testing December 13, 2024
Arief In House Refreshment Program Pengkinian Sertifikasi Manajemen Risiko 19 Januari 2024 Efektifpro
Tendeas Jenjang 7 LSP LSPP January 19, 2024
Refreshment Program for Updating Risk Management
Certification - Level 7 (LSP LSPP)
Off House Uji Kompetensi Resertifikasi Manajemen Risiko Perbankan - 23 Februari 2024 LSP LSPP
Skema Sertifikasi KKNI Kualifikasi 7 LSP LSPP February 23, 2024
Banking Risk Management Competency Test - KKNI
Certification Qualification Level 7 (LSP LSPP)
478 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 481
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
In House Sosialisasi Tentang Perubahan Kedua UU Informasi dan 2 Mei 2024 Kementerian
Transaksi Elektronik dan Perkembangan RPP Pelindungan Data May 02, 2024 Komunikasi
Pribadi dan Informatika
Socialization on the Second Amendment to the Electronic Republik Indonesia
Information and Transactions Law and the Development of the The Ministry of
Personal Data Protection RPP Communications
and Information
Technology of
the Republic of
Indonesia
In House Security Awareness ISO/IEC 27001:2022 2 Mei 2024 PT Nalar Teknologi
Security Awareness ISO/IEC 27001:2022 May 02, 2024 Orkestrator
In House Allo Bank Forum 2024 20 Mei 2024 Divisi HCSS
Allo Bank Forum 2024 May 20, 2024
Off House Seminar Penyelarasan Jenjang 7 Bagi Direksi Sertifikasi 4 September 2024 Bankers
Manajemen Risiko September 04, Association for
Risk Management Certification Level 7 - Alignment Seminar for 2024 Risk Management
Directors - BARA
In House Sosialisasi Penerapan Program APU PPT & PPPSPM 12 September 2024 PPATK
Socialization of the implementation of the AML-CTF & CPF September 12, 2024
Program
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely or Risk IT All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
In House Table Top Penyelenggaraan Pengujian Crisis Management Plan 13 Desember 2024 Allo Bank
Table Top - Implementation of Crisis Management Plan Testing December 13, 2024
Sajal In House Refreshment Program Pengkinian Sertifikasi Manajemen Risiko 19 Januari 2024 Efektifpro
Bhatnagar Jenjang 7 LSP LSPP January 19, 2024
Refreshment Program for Updating Risk Management
Certification - Level 7 (LSP LSPP)
Off House Uji Kompetensi Resertifikasi Manajemen Risiko Perbankan - 23 Februari 2024 LSP LSPP
Skema Sertifikasi KKNI Kualifikasi 7 LSP LSPP February 23, 2024
Banking Risk Management Competency Test - KKNI
Certification Qualification Level 7 (LSP LSPP)
In House Allo Bank Forum 2024 20 Mei 2024 Allo Bank
Allo Bank Forum 2024 May 20, 2024
Off House Seminar Penyelarasan Jenjang 7 Bagi Direksi Sertifikasi 8 Agustus 2024 Bankers
Manajemen Risiko August 08, 2024 Association for
Risk Management Certification Level 7 - Alignment Seminar for Risk Management
Directors - BARA
In House Sosialisasi Penerapan Program APU PPT & PPPSPM 12 September 2024 PPATK
Socialization of the implementation of the AML-CTF & CPF September 12, 2024
Program
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely Or Risk IT All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
In House Table Top Penyelenggaraan Pengujian Crisis Management Plan 13 Desember 2024 Allo Bank
Table Top - Implementation of Crisis Management Plan Testing December 13, 2024
2024 Annual Report & Sustainability Report
479
Page 482
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
Ganda In House Refreshment Program Pengkinian Sertifikasi Manajemen Risiko 19 Januari 2024 Efektifpro
Raharja Jenjang 7 LSP LSPP January 19, 2024
Rusli Refreshment Program for Updating Risk Management
Certification - Level 7 (LSP LSPP)
Off House Uji Kompetensi Resertifikasi Manajemen Risiko Perbankan - 23 Februari 2024 LSP LSPP
Skema Sertifikasi KKNI Kualifikasi 7 LSP LSPP February 23, 2024
Banking Risk Management Competency Test - KKNI
Certification Qualification Level 7 (LSP LSPP)
In House Sosialisasi Tentang Perubahan Kedua UU Informasi dan 2 Mei 2024 Kementerian
Transaksi Elektronik dan Perkembangan RPP Pelindungan Data May 02, 2024 Komunikasi
Pribadi dan Informatika
Socialization on the Second Amendment to the Electronic Republik Indonesia
Information and Transactions Law and the Development of the The Ministry of
Personal Data Protection RPP Communications
and Information
Technology of
the Republic of
Indonesia
In House Security Awareness ISO/IEC 27001:2022 2 Mei 2024 PT Nalar Teknologi
Security Awareness ISO/IEC 27001:2022 May 02, 2024 Orkestrator
Off House Rembuk Nasional 6 Juni 2024 PPATK
National Deliberation June 06, 2024
Off House Peluncuran dan Penjelasan Pelaksanaan FIR On ML/TF Tahun 20 Agustus 2024 PPATK
2024 August 20, 2024
Launch and Explanation of the 2024 FIR on ML/TF
Implementation
Off House Seminar Penyelarasan Jenjang 7 Bagi Direksi Sertifikasi 4 September 2024 Bankers
Manajemen Risiko Septembeer 04, Association for
Risk Management Certification Level 7 - Alignment Seminar for 2024 Risk Management
Directors - BARA
Off House Sosialisasi Komitmen Dan Tindak Lanjut Rembuk Nasional 6 September 2024 FKDKP
PPATK dan FKDKP September 06,
Socialization of Commitments and Follow-up Actions of the 2024
PPATK and FKDKP National Deliberation
In House Sosialisasi Penerapan Program APU PPT & PPPSPM 12 September 2024 PPATK
Socialization of the implementation of the AML-CTF & CPF September 12, 2024
Program
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely Or Risk IT All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
Off House Talkshow FKDP & Penanaman Pucuk Bambu Berkelanjutan 31 Oktober 2024 FKDKP
FKDP Talkshow & Sustainable Bamboo Shoot Planting October 31, 2024
Off House Seminar Memerangi Judi Online dan Kejahatan Baru Era 19 November 2024 PT Visionet Data
Ekonomi Digital 5.0 November 19, 2024 Internasional - OVO
Seminar on Fighting Online Gambling and Emerging Crimes in
the Digital Economy 5.0 Era
480 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 483
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
Off House Sharing Session Rakornas Dukcapil Dengan Lembaga Pusat 20 November 2024 Kementerian Dalam
2024 November 20, 2024 Negeri Republik
Sharing Session on the 2024 Dukcapil National Coordination Indonesia
Meeting with Central Agencies The Ministry of
Home Affairs of
the Republic of
Indonesia
Off House Diseminasi Hasil Penilaian Financial Integrity Rating on Money 11 Desember 2024 PPATK
Laundering And Terrorist Financing FIR On MLTF Tahun 2024 December 11, 2024
Dissemination of the Results of the Financial Integrity Rating
on Money Laundering and Terrorist Financing FIR on MLTF in
2024
In House Table Top Penyelenggaraan Pengujian Crisis Management Plan 13 Desember 2024 Allo Bank
Table Top - Implementation of Crisis Management Plan Testing December 13, 2024
Komite
Audit
Audit
Committee
Siswandi In House Refreshment Program Pengkinian Sertifikasi Manajemen Risiko 31 Januari 2024 Efektifpro
Pujo Jenjang 5 & 6 LSP BSMR January 31, 2024
Sasongko Refreshment Program for Updating Risk Management
Certification - Level 5 & 6 (LSP BSMR)
In House Uji Resertifikasi Manajemen Risiko Jenjang 5 LSP BSMR 22 Februari 2024 LSP BSMR
Risk Management Recertification Test – Level 5 (LSP BSMR) February 22, 2024
In House Sosialisasi Tentang Perubahan Kedua UU Informasi dan 22 Mei 2024 Kementerian
Transaksi Elektronik dan Perkembangan RPP Pelindungan Data May 22, 2024 Komunikasi
Pribadi dan Informatika
Socialization on the Second Amendment to the Electronic Republik Indonesia
Information and Transactions Law and the Development of the The Ministry of
Personal Data Protection RPP Communications
and Information
Technology of
the Republic of
Indonesia
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely Or Risk It All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
Komite Remunerasi dan Nominasi
Remuneration and Nomination Committee
Netty In House Sosialisasi Kebijakan Pengembangan Sistem TI (SDLC) 25 Januari 2024 Allo Bank
Delima Socialization of IT System Development Policy (SDLC) January 25, 2024
Simanjuntak
In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 4 LSP BSMR 29 Januari 2024 Efektifpro
Risk Management Certification Briefing – Level 4 (LSP BSMR) January 29, 2024
In House Uji Sertifikasi Manajemen Risiko Jenjang 4 LSP BSMR 20 Februari 2024 LSP BSMR
Risk Management Certification Test – Level 4 (LSP BSMR) February 20, 2024
In House Allo Talks: Business Outlook 2024 Winning The Challenge To 23 Februari 2024 BOC Allo Bank
Accelerate Growth February 23, 2024 Aviliani
Allo Talks: Business Outlook 2024 Winning The Challenge To
Accelerate Growth
2024 Annual Report & Sustainability Report
481
Page 484
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
Off House Sosialisasi Persiapan Program Penyelarasan Sertifikasi 5 Maret 2024 PERBANAS
Manajemen Risiko bagi Direksi dan Dewan Komisaris March 5, 2024
Socialization of Preparation of Risk Management Certification
Alignment Program for Board of Directors and Board of
Commissioners
In House Sharing Session Core Values Allo Bank 21 Maret 2024 Direktur Utama
Sharing Session Core Values Allo Bank March 21, 2024 Indra Utoyo
President Director
Indra Utoyo
In House Pembekalan Sertifikasi Manajemen Risiko Jenjang 5 LSP BSMR 29 April 2024 RDS Consultants
Risk Management Certification Briefing – Level 5 (LSP BSMR) April 29, 2024
In House Sosialisasi Tentang Perubahan Kedua UU Informasi dan 2 Mei 2024 Kementerian
Transaksi Elektronik dan Perkembangan RPP Pelindungan Data May 2, 2024 Komunikasi
Pribadi dan Informatika
Socialization on the Second Amendment to the Electronic Republik Indonesia
Information and Transactions Law and the Development of the
Personal Data Protection RPP The Ministry of
Communications
and Information
Technology of
the Republic of
Indonesia
In House Security Awareness ISO/IEC 27001:2022 2 Mei 2024 PT Nalar Teknologi
Security Awareness ISO/IEC 27001:2022 May 2, 2024 Orkestrator
In House Allo Bank Forum 2024 20 Mei 2024 Allo Bank
Allo Bank Forum 2024 May 20, 2024
Off House Uji Sertifikasi Manajemen Risiko Jenjang 5 LSP BSMR 29 Mei 2024 LSP BSMR
Risk Management Certification Test – Level 5 (LSP BSMR) May 29, 2024
Off House Pra Konvensi Rancangan Standar Kompetensi Kerja Nasional 4 Juni 2024 Otoritas Jasa
Indonesia (SKKNI) Bidang Manajemen Risiko Perbankan June 4, 2024 Keuangan
Pre-Convention of Draft Indonesian National Work
Competency Standards (SKKNI) in the Field of Banking Risk Financial Services
Management Authority
Off House Webinar Membangun Kepemimpinan Berbasis Spiritual 22Agustus 2024 Otoritas Jasa
Pendekatan Holistik Untuk Pertumbuhan dan Keberlanjutan August 22, 2024 Keuangan
Bisnis Financial Services
Webinar Building Spiritual-Based Leadership a Holistic Authority
Approach to Business Growth and Sustainability
In House Sosialisasi Penerapan Program APU PPT & PPPSPM 12 September 2024 PPATK
Socialization of the implementation of the AML-CTF & CPF September 12, 2024
Program
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely Or Risk It All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
Off House WTW Human Capital Masterclass: Reward Concept 15 Oktober 2024 Willis Towers
WTW Human Capital Masterclass: Reward Concept October 15, 2024 Watson
Off House WTW Human Capital Masterclass Reward Series: Salary 17 Oktober 2024 Willis Towers
Structure October 17, 2024 Watson
WTW Human Capital Masterclass Reward Series: Salary
Structure
482 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 485
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
Off House Pembekalan SPPUR J6 Pengelolaan Transfer Dana 23 Oktober 2024 IBI BCC
Briefing on SPPUR J6 for Fund Transfer Management October 23, 2024
Inhouse Allo Team Building (Allo Temu) 7 Desember 2024 Allo Bank
Allo Team Building (Allo Temu) December 7, 2024
In House Table Top Penyelenggaraan Pengujian Crisis Management Plan 13 Desember 2024 Allo Bank
Table Top - Implementation of Crisis Management Plan Testing December 13, 2024
Komite Pemantau Risiko
Risk Oversight Committee
Lista Irna Off House Uji Kompetensi Manajemen Risiko Perbankan - Skema 13 Januari 2024 LSP LSPP
Sertifikasi KKNI Kualifikasi 7 LSP LSPP January 13, 2024
Banking Risk Management Competency Test - KKNI
Certification Qualification Level 7 (LSP LSPP)
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely Or Risk It All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
Sekretaris Perusahaan
Corporate Secretary
Stacey In House Sosialisasi Kebijakan Pengembangan Sistem TI (SDLC) 25 Januari 2024 Allo Bank
Aryadi Socialization of IT System Development Policy (SDLC) January 25, 2024
Suryoputro
In House Refreshment Program Pengkinian Sertifikasi Manajemen Risiko 31 Januari 2024 Efektifpro
Jenjang 5 & 6 LSP BSMR January 31, 2024
Refreshment Program for Updating Risk Management
Certification - Level 5 & 6 (LSP BSMR)
In House Uji Resertifikasi Manajemen Risiko Jenjang 5 LSP BSMR 22 Februari 2024 LSP BSMR
Risk Management Recertification Test – Level 5 (LSP BSMR) February 22, 2024
In House Allo Talks: Business Outlook 2024 Winning The Challenge To 23 Februari 2024 BOC Allo Bank
Accelerate Growth February 23, 2024 Aviliani
Allo Talks: Business Outlook 2024 Winning The Challenge To
Accelerate Growth
In House Strategic Objectives 2024 Driving Towards Allo Bank 2.0 7 Maret 2024 Manajemen Allo
Strategic Objectives 2024 Driving Towards Allo Bank 2.0 March 7, 2024 Bank
Allo Bank
Management
In House Sosialisasi Tentang Perubahan Kedua UU Informasi Dan 2 Mei 2024 Kementerian
Transaksi Elektronik Dan Perkembangan RPP Pelindungan May 2, 2024 Komunikasi
Data Pribadi dan Informatika
Socialization on the Second Amendment to the Electronic Republik Indonesia
Information and Transactions Law and the Development of the The Ministry of
Personal Data Protection RPP Communications
and Information
Technology of
the Republic of
Indonesia
In House Security Awareness ISO/IEC 27001:2022 2 Mei 2024 PT Nalar Teknologi
Security Awareness ISO/IEC 27001:2022 May 2, 2024 Orkestrator
In House Allo Bank Forum 2024 20 Mei 2024 Allo Bank
Allo Bank Forum 2024 May 20, 2024
2024 Annual Report & Sustainability Report
483
Page 486
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
Off House Sosialisasi Peraturan Otoritas Jasa Keuangan POJK 30 2023 14 Juni 2024 Otoritas Jasa
dan 6 2024 June 14, 2024 Keuangan
Socialization of Financial Services Authority Regulation POJK Financial Services
30 2023 and 6 2024 Authority
In House Pelatihan Persiapan Implementasi Rekening Dana Nasabah 12 Juli 2024 Allo Bank
Customer Fund Account Implementation Preparation Training July 12, 2024
Off House Sosialisasi dan Pelaksanaan Kegiatan Bulan Inklusi Keuangan 29 Agustus 2024 Otoritas Jasa
2024 August 29, 2024 Keuangan
Socialization and Implementation of Activities for the 2024 Financial Services
Financial Inclusion Month Authority
In House Sosialisasi Penerapan Program APU PPT & PPPSPM 12 September 2024 PPATK
Socialization of the implementation of the AML-CTF & CPF September 12, 2024
Program
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely Or Risk It All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
Off House Diseminasi Riset Kolaborasi OJK Institute dan UNPE FI 5 Desember 2024 Otoritas Jasa
Dissemination of Collaborative Research between OJK Institute December 5, 2024 Keuangan
and UNPE FI Financial Services
Authority
Inhouse Allo Team Building (Allo Temu) 7 Desember 2024 Allo Bank
Allo Team Building (Allo Temu) December 7, 2024
In House Table Top Penyelenggaraan Pengujian Crisis Management Plan 13 Desember 2024 Allo Bank
Table Top - Implementation of Crisis Management Plan Testing December 13, 2024
Kepala SKAI
Head of the SKAI
Dani Bayu In House Sosialisasi Kebijakan Pengembangan Sistem TI (SDLC) 25 Januari 2024 Allo Bank
Angkat Socialization of IT System Development Policy (SDLC) January 25, 2024
In House Refreshment Program Pengkinian Sertifikasi Manajemen Risiko 31 Januari 2024 Efektifpro
Jenjang 5 & 6 LSP BSMR January 31, 2024
Refreshment Program for Updating Risk Management
Certification - Level 5 & 6 (LSP BSMR)
In House Strategic Objectives 2024 Driving Towards Allo Bank 2.0 7 Maret 2024 Manajemen Allo
Strategic Objectives 2024 Driving Towards Allo Bank 2.0 March 7, 2024 Bank
Allo Bank
Management
In House Sharing Session Core Values Allo Bank 21 Maret 2024 Direktur Utama
Sharing Session: Allo Bank Core Values March 21, 2024 Indra Utoyo
President Director
Indra Utoyo
Off House Uji Resertifikasi Manajemen Risiko Jenjang 6 LSP BSMR 27 Maret 2024 LSP BSMR
Risk Management Recertification Test – Level 6 (LSP BSMR) March 27, 2024
484 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 487
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Jenis
Pendidikan
Nama dan
dan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Jabatan
Name and Pelatihan Education and Training Material Place/Date Organizer
Position Types of
Education
and Training
In House Sosialisasi Tentang Perubahan Kedua UU Informasi dan 2 Mei 2024 Kementerian
Transaksi Elektronik dan Perkembangan RPP Pelindungan data May 2, 2024 Komunikasi
Pribadi dan Informatika
Socialization on the Second Amendment to the Electronic Republik Indonesia
Information and Transactions Law and the Development of the The Ministry of
Personal Data Protection RPP Communications
and Information
Technology of
the Republic of
Indonesia
In House Security Awareness ISO/IEC 27001:2022 2 Mei 2024 PT Nalar Teknologi
Security Awareness ISO/IEC 27001:2022 May 2, 2024 Orkestrator
In House Allo Bank Forum 2024 20 Mei 2024 Allo Bank
Allo Bank Forum 2024 May 20, 2024
Off House Indonesia National Anti Fraud Conference 2024 20 Juni 2024 Asia Anti Fraud
Indonesia National Anti Fraud Conference 2024 June 20, 2024 Manajemen
Asian Anti-Fraud
Management
In House Sosialisasi Penerapan Program APU PPT & PPPSPM 12 September 2024 PPATK
Socialization of the implementation of the AML-CTF & CPF September 12, 2024
Program
In House Seminar Manajemen Risiko Managing Risk In Digital Banking 10 Oktober 2024 Allo Bank
Innovate Safely Or Risk It All October 10, 2024
Risk Management Seminar - Managing Risk in Digital Banking
Innovate Safely or Risk It All
Off House Refreshment & Resertifikasi CAFM 8 November 2024 Asia Anti Fraud
CAFM Refreshment & Recertification November 8, 2024 Manajemen
Asian Anti-Fraud
Management
Off House Risk And Governance Summit (RGS) Tahun 2024 26 November 2024 Otoritas Jasa
2024 Risk And Governance Summit (RGS) November 26, 2024 Keuangan
Financial Services
Authority
Inhouse Allo Team Building (Allo Temu) 7 Desember 2024 Allo Bank
Allo Team Building (Allo Temu) December 7, 2024
2024 Annual Report & Sustainability Report
485
Page 488
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Penilaian Risiko Atas Penerapan Keuangan Risk Assessment on Sustainable Finance
Berkelanjutan [OJK E.3] Implementation [OJK E.3]
Penerapan keuangan berkelanjutan membawa sejumlah risiko bagi The implementation of sustainable finance introduces various
perbankan yang perlu dikelola dengan cermat, termasuk tantangan risks that banks must manage carefully, including the challenge of
dalam mengintegrasikan aspek Lingkungan, Sosial, dan Tata Kelola integrating Environmental, Social, and Governance (ESG) aspects
(ESG) ke dalam proses manajemen risiko. Risiko-risiko ini mencakup into the risk management process. These risks include credit risk,
risiko kredit, risiko pasar, risiko likuiditas, dan risiko operasional, market risk, liquidity risk, and operational risk. Additionally, banks
Selain itu, bank juga menghadapi risiko terkait perubahan iklim, yang face climate change-related risks that may impact borrowers' ability
dapat mempengaruhi kemampuan debitur untuk mengembalikan to repay loans. To mitigate the impact of these emerging risks, a
pinjaman. Untuk meminimalkan dampak atas risiko yang muncul, strong risk management framework is essential, encompassing
maka implementasi manajemen risiko menjadi sangat penting, baik the identification, measurement, monitoring, and control of
yang terkait dengan fungsi identifikasi, pengukuran, pemantauan, risks, including those associated with various sustainable finance
dan pengendalian risiko yang dihadapi bank, termasuk dalam programs.
menerapkan berbagai program keuangan berkelanjutan.
Untuk meraih hasil terbaik, Allo Bank menerapkan manajemen To ensure effective risk management, Allo Bank adheres to Financial
risiko dengan mengacu pada Peraturan Otoritas Jasa Keuangan Services Authority Regulation No. 18/POJK.03/2016 and Financial
No. 18/POJK.03/2016 dan Surat Edaran Otoritas Jasa Keuangan Services Authority Circular Letter No. 34/SEOJK.03/2016 concerning
No. 34/SEOJK.03/2016 tentang Penerapan Manajemen Risiko bagi the Implementation of Risk Management for Conventional Bank.
Bank Umum. Kerangka kerja manajemen risiko Bank menetapkan The Bank's risk management framework is designed to establish
pendekatan pengelolaan risiko dan kerangka pengendalian di mana a structured approach to risk control, balancing risk and return to
risiko dikelola untuk mendapatkan keseimbangan antara risiko (risk) optimize decision-making.
dan pendapatan (return).
Allo Bank menerapkan kerangka kerja manajemen risiko melalui Allo Bank implements a risk management framework by defining
perumusan tingkat risiko yang akan diambil (risk appetite) dan the level of risk it is willing to take (risk appetite) and establishing
toleransi risiko (risk tolerance) bagi setiap jenis risiko. Selain itu, Bank risk tolerance for each type of risk. In addition, the Bank develops
juga mengembangkan kebijakan dan prosedur manajemen risiko appropriate risk management policies and procedures while
yang berkesesuaian serta pengembangan struktur pengendalian strengthening its integrated internal control structure. Moreover,
internal secara terpadu. Lebih dari itu, Bank juga membangun the Bank fosters a risk-aware culture, emphasizing the importance
budaya risiko yang menitikberatkan kesadaran seluruh pegawai of risk awareness among all employees and the effectiveness of
akan risiko dan efektivitas proses manajemen risiko. the risk management process.
Adapun penerapan manajemen risiko di Allo Bank mengacu pada The Bank's risk management is structured around four key pillars:
empat pilar manajemen risiko sebagai berikut:
1. Pengawasan aktif Dewan Komisaris dan Direksi. 1. Active supervision by the Board of Commissioners and Board
of Directors.
2. Kecukupan kebijakan, prosedur, dan penetapan limit 2. Adequate risk management policies, procedures, and limits
manajemen risiko. for risk control.
3. Kecukupan proses identifikasi, pengukuran, pemantauan, dan 3. Effective risk identification, measurement, monitoring, and
pengendalian risiko serta sistem informasi manajemen risiko. control processes, supported by an advanced risk management
information system.
4. Sistem pengendalian internal yang menyeluruh. 4. A comprehensive internal control system.
Selain mengacu keempat pilar di atas, manajemen risiko Allo Bank In addition to these pillars, Allo Bank aligns its risk management
juga merujuk pada best practices yang dikeluarkan oleh Basel practices with international best practices issued by the Basel
Committee on Banking Supervision. Committee on Banking Supervision.
Di sepanjang tahun 2024, segenap manajemen dengan dukungan Throughout 2024, with the support of its employees, Allo Bank
karyawan Allo Bank secara konsisten menerapkan manajemen consistently implemented an integrated and comprehensive risk
risiko terpadu dan komprehensif sehingga mampu mendukung management framework to ensure the achievement of performance
pencapaian target kinerja dan menjaga kelangsungan usaha. targets and business continuity. The Bank remains optimistic that a
Bank optimis penerapan strategi manajemen risiko yang proaktif proactive risk management strategy will enhance capital efficiency
akan meningkatkan efektivitas penggunaan modal dan tingkat and optimize Return on Equity (ROE), ultimately creating added
pengembangan modal (Return on Equity) sehingga dapat value for shareholders.
memberikan nilai tambah bagi pemegang saham.
486 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 489
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Dalam menerapkan manajemen risiko, Bank senantiasa In executing its risk management strategy, the Bank conducts
memperhatikan cakupan penilaian penerapan manajemen risiko risk profile assessments, covering both inherent risk evaluations
melalui profil risiko, baik penilaian inherent risk maupun penilaian and risk management quality assessments. Additionally, the Bank
kualitas penerapan manajemen risiko. Selain itu, Bank juga continuously adapts its assessment indicators in response to new
menyesuaikan setiap indikator penilaian sesuai dengan peraturan regulations, employing the Risk-Based Bank Rating (RBBR) concept.
yang baru dengan menggunakan konsep Risk Based Bank Rating
(RBBR).
Lebih lanjut, untuk menguatkan implementasi manajemen risiko, Allo To further strengthen risk management, Allo Bank is committed
Bank terus berupaya untuk meningkatkan hasil penilaian peringkat to improving composite rating assessments through continuous
komposit melalui perbaikan dan evaluasi pada empat kategori risiko evaluation and refinement of the four primary risks it faces: credit
utama yang dihadapi Bank, di samping risiko lainnya. Keempat risk, market risk, liquidity risk, operational risk. By involving all
risiko utama yang dihadapi Bank adalah risiko kredit, risiko pasar, elements within the Bank, the Board of Commissioners and Board of
risiko likuiditas, risiko operasional. Dengan melibatkan semua unsur Directors, who are responsible for ensuring proper risk management
dalam Bank, Dewan Komisaris dan Direksi yang mempunyai tugas implementation, have affirmed that the Bank’s risk management
memastikan penerapan manajemen risiko menyatakan bahwa framework is adequate given the Bank's complexity and risk
manajemen risiko telah memadai sesuai kompleksitas dan profil profile. Furthermore, they have demonstrated a comprehensive
risiko Bank serta memahami dengan baik jenis dan tingkat risiko understanding of the types and levels of risks inherent in the Bank’s
yang melekat pada kegiatan bisnis Bank. business operations.
Hubungan dengan Pemangku Kepentingan [OJK E.4] Relations with Stakeholders [OJK E.4]
Komunikasi dan hubungan yang harmonis antara Allo Bank dengan Harmonious communication and strong relationships between
segenap pemangku kepentingan, baik pemangku internal maupun Allo Bank and all stakeholders, both internal and external, serve
eksternal, merupakan pondasi yang kokoh untuk mewujudkan as a solid foundation for achieving optimal performance. Referring
kinerja terbaik. Merujuk pada Peraturan Otoritas Jasa Keuangan to Financial Services Authority Regulation (POJK) No. 17 of 2023
(POJK) No. 17 Tahun 2023 tentang Penerapan Tata Kelola Bagi concerning the Implementation of Governance for Conventional
Bank Umum (POJK Tata Kelola), pemangku kepentingan adalah Bank (POJK Governance), stakeholders are defined as all parties
seluruh pihak yang memiliki kepentingan secara langsung atau tidak who have a direct or indirect interest in the Bank’s business activities.
langsung terhadap kegiatan usaha Bank. Berdasarkan pengertian Based on this understanding, Allo Bank identifies stakeholders as
tersebut, Allo Bank merumuskan pemangku kepentingan sebagai groups or individuals affected by the Bank’s activities, products,
kelompok atau individu yang terpengaruh oleh kegiatan, produk and services. At the same time, these stakeholders also play a
dan jasa yang ditawarkan Bank. Disisi lain, keberadaan mereka role in influencing the Bank’s ability to successfully implement its
juga mempengaruhi Allo Bank dalam mewujudkan keberhasilan strategies and achieve its goals.
penerapan strategi dan pencapaian tujuan.
Untuk mewujudkan hubungan yang harmonis, Allo Bank melibatkan To foster harmonious relationships, Allo Bank engages stakeholders
pemangku kepentingan sesuai dengan kepentingan masing- based on their respective interests. The stakeholder engagement
masing. Proses pelibatan pemangku kepentingan mencakup process involves the Bank’s efforts to meet stakeholder expectations
upaya Bank untuk memenuhi harapan dari setiap pemangku by utilizing its resources appropriately and accountably, while
kepentingan dengan menggunakan sumber daya yang dimiliki, ensuring compliance with applicable laws and regulations.
dengan cara yang tepat, dapat dipertanggungjawabkan, serta
tidak bertentangan dengan ketentuan yang diatur dalam peraturan
perundang-undangan yang berlaku.
Allo Bank secara berkesinambungan melibatkan para pemangku Allo Bank consistently engages with stakeholders in alignment
kepentingan sejalan dengan komitmen untuk meningkatkan with its commitment to enhancing transparency and accountability
transparansi, akuntabilitas, serta mendapatkan masukan berharga while gaining valuable insights for improving performance and
untuk perbaikan kinerja dan pengembangan produk/layanan yang developing products and services that meet customer needs.
sesuai kebutuhan nasabah. Lebih dari itu, pelibatan pemangku Furthermore, stakeholder engagement plays a crucial role in
kepentingan juga penting dalam mendukung implementasi supporting the implementation of sustainable finance and good
keuangan berkelanjutan dan tata kelola perusahaan yang baik corporate governance at the Bank.
di Bank.
2024 Annual Report & Sustainability Report
487
Page 490
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Berdasarkan uraian di atas, pemangku kepentingan Allo Bank dan Based on the description above, the complete list of Allo Bank's
metode keterlibatan selengkapnya adalah sebagai berikut: stakeholders and their engagement methods are as follows:
Pemangku Kepentingan Metode Pendekatan
Stakeholders Approach Method
Nasabah dan Klien Masukan, keluhan dan permintaan informasi mengenai produk dan layanan perbankan dapat diakses
Customers and Clients setiap waktu melalui website Allo Bank.
Feedback, complaints, and requests for information regarding banking products and services can be
accessed at any time through Allo Bank’s website.
Investor Kinerja financial dan pelaksanaan strategi perusahaan dijelaskan pada publik dan laporan-laporan
Investors yang dipublikasikan serta rapat umum pemegang saham tahunan.
The Company's financial performance and execution of strategies are explained to the public through
published reports and the annual general meeting of shareholders.
Regulator Kepatuhan dan pelaksanaan prinsip kehati-hatian dan Tata Kelola Perusahaan yang Baik dalam rapat
Regulators dan diskusi dengan Regulator saat diperlukan.
Compliance and implementation of the principles of prudence and Good Corporate Governance are
communicated in meetings and discussions with regulators when necessary.
Masyarakat Program pemberdayaan melalui kegiatan CSR (Corporate Social Responsibility)
Public Empowerment program conducted through CSR (Corporate Social Responsibility) activities
Permasalahan dalam Penerapan Keuangan Issues in Sustainable Finance Implementation
Berkelanjutan [OJK E.5] [OJK E.5]
Selama tahun 2024, Allo Bank telah berupaya maksimal untuk Throughout 2024, Allo Bank has made significant efforts to
menerapkan keuangan berkelanjutan, termasuk melaksanakan implement sustainable finance, including executing selected
program-program terpilih dalam Rencana Aksi Keuangan programs from the 2024 Sustainable Finance Action Plan (RAKB).
Berkelanjutan (RAKB) Tahun 2024.
Identifikasi atas tantangan dan hambatan terkait dengan perubahan Challenges and obstacles related to changes in the internal and
di lingkungan internal dan eksternal yang dapat mempengaruhi external environment that may impact the implementation of RAKB
pelaksanaan RAKB antara lain sebagai berikut: include:
1. Merubah pola pikir atas budaya berkelanjutan yang perlu untuk 1. The need to enhance and develop a sustainable culture mindset.
ditingkatkan dan dikembangkan.
2. Menyatukan persepsi dari level management sampai ke 2. Aligning perceptions of sustainable programs across all levels
karyawan terkait program yang berkelanjutan. of management and employees.
3. Berkontribusi dalam meningkatkan tingkat pemahaman 3. Contributing to increasing the level of public understanding
masyarakat terhadap literasi keuangan secara berkelanjutan. of financial literacy in a sustainable manner.
4. Situasi dan kondisi eksternal antara lain perubahan kebijakan 4. External factors, such as changes in government policies and
pemerintah dan regulator. regulations.
Tindakan antisipatif terhadap tantangan internal dan eksternal To address these internal and external challenges, the Bank has
dimulai dengan mengembangkan SDM, membangun awareness, adopted an anticipatory approach, beginning with human resource
kemudian didukung oleh kebijakan, sistem, serta metode monitoring development and awareness-building, supported by policies,
serta konsistensi Bank dalam melaksanakan bisnis bank sesuai visi systems, monitoring methods, and the Bank’s commitment to
dan misi serta Rencana Bisnis Bank (RBB). Bank pun perlu bersifat conducting business in accordance with its vision, mission, and
adaptif terhadap perubahan eksternal. Business Plan (RBB). Additionally, the Bank must remain adaptive
to external changes.
488 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 491
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Kinerja
Keberlanjutan Sustainability Performance
Allo Bank sebagai bagian dari lembaga As part of Indonesia’s financial services sector,
jasa keuangan di Indonesia berkomitmen Allo Bank is committed to implementing
untuk menerapkan keuangan berkelanjutan, sustainable finance, in accordance with POJK
sebagaimana diatur dalam POJK No. 51/ No. 51/POJK.03/2017 on the Implementation
POJK.03/2017 tentang Penerapan Keuangan of Sustainable Finance for Financial Services
Berkelanjutan bagi Lembaga Jasa Keuangan, Institutions, Issuers, and Public Companies
Emiten, dan Perusahaan Publik atau POJK (POJK Sustainable Finance). This regulation
Keuangan Berkelanjutan. Menurut peraturan defines sustainable finance as comprehensive
ini, keuangan berkelanjutan adalah dukungan support from the financial services sector to
menyeluruh dari sektor jasa keuangan foster sustainable economic growth by aligning
untuk menciptakan pertumbuhan ekonomi economic, environmental, and social interests.
berkelanjutan dengan menyelaraskan
kepentingan ekonomi, lingkungan hidup, dan
sosial.
Bagi Bank, keselarasan antara aspek ekonomi, For the Bank, aligning economic, environmental,
lingkungan hidup dan sosial merupakan suatu and social aspects is essential, as a company's
keharusan karena fungsi suatu perusahaan role extends beyond generating profits to also
bukan hanya mencetak laba tetapi juga dituntut maintaining environmental sustainability and
menjaga kelestarian lingkungan hidup dan demonstrating social concern. Furthermore,
menunjukkan kepedulian pada isu-isu sosial. the Bank believes that integrating these three
Lebih dari itu, Bank meyakini keselarasan aspects forms a crucial foundation for achieving
ketiga aspek merupakan fondasi penting untuk sustainable business growth and optimal
mewujudkan bisnis yang berkesinambungan performance.
dengan pencapaian kinerja yang optimal.
Kegiatan Membangun Budaya Activities to Build a Culture of
Keberlanjutan [OJK F.1] Sustainability [OJK F.1]
Dukungan Allo Bank terhadap penerapan Allo Bank supports sustainable finance
keuangan berkelanjutan direalisasikan melalui through various policies, including preparing
berbagai kebijakan antara lain menyusun a Sustainable Finance Action Plan (RAKB),
Rencana Aksi Keuangan Berkelanjutan developing sustainable financial products
(RAKB), mengembangkan produk dan/ and services based on digital technology,
atau jasa keuangan berkelanjutan berbasis implementing sustainable finance
teknologi digital, melaksanakan edukasi education, and more. To ensure the effective
keuangan berkelanjutan, dan sebagainya. implementation of sustainable finance, Allo Bank
Lebih lanjut, untuk mendukung implementasi adheres to eight guiding principles:
keuangan berkelanjutan yang efektif, Allo
Bank menerapkan 8 (delapan) prinsip sebagai
panduan yaitu:
1. Prinsip investasi bertanggung jawab; 1. Principle of responsible investment;
2. Prinsip strategi dan praktik bisnis 2. Principle of sustainable business strategy
berkelanjutan; and practice;
3. Prinsip pengelolaan risiko sosial dan 3. Principle of social and environmental risk
lingkungan hidup; management;
4. Prinsip tata kelola; 4. Principle of governance;
5. Prinsip komunikasi yang informatif; 5. Principle of informative communication;
6. Prinsip inklusif; 6. Principle of inclusiveness;
2024 Annual Report & Sustainability Report
489
Page 492
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan 7. Prinsip pengembangan sektor unggulan prioritas; dan 7. Principle of priority sector development; and 8. Prinsip koordinasi dan kolaborasi 8. Principle of coordination and collaboration. Berpedoman pada delapan prinsip tersebut, selanjutnya Bank Guided by these principles, the Bank fosters a culture of sustainability menetapkan budaya keberlanjutan, yaitu komitmen untuk by committing to integrating sustainability principles into all aspects mengintegrasikan prinsip-prinsip keberlanjutan dalam setiap aspek of operations and decision-making. To further instill this culture, operasional dan pengambilan keputusan. Lebih lanjut, sosialisasi the Bank conducts socialization efforts through various media and sebagai upaya membangun budaya keberlanjutan dilakukan Bank engagement opportunities, such as websites, social media, internal melalui berbagai media dan kesempatan, seperti situs/website, meetings, and discussions with partners, communities, and other media sosial, pertemuan antara manajemen dengan karyawan external stakeholders, both in scheduled and incidental. atau pertemuan dengan mitra kerja, masyarakat atau pemangku kepentingan eksternal lainnya, baik yang terjadwal maupun yang insidental. Sesuai bidang usaha yang dijalankan Allo Bank, budaya In alignment with its business activities, Allo Bank demonstrates keberlanjutan direalisasikan melalui berbagai program dan its commitment to sustainability through various programs and kebijakan antara lain memberikan layanan kepada nasabah secara policies, including providing equitable services to customers, setara, menghargai hak asasi manusia, melaksanakan program upholding human rights, implementing CSR programs, promoting CSR, menerapkan operasional kantor yang ramah lingkungan, environmentally friendly office operations, and ensuring a safe and menciptakan lingkungan kerja yang aman dan sehat sesuai dengan healthy work environment in compliance with Occupational Health prinsip Kesehatan dan Keselamatan Kerja (K3) dan sebagainya. and Safety (OHS) principles. KINERJA EKONOMI BERKELANJUTAN SUSTAINABLE ECONOMIC PERFORMANCE Sekilas Ekonomi Global dan Nasional Overview of Global and National Economy Pertumbuhan ekonomi global tahun 2024 mengalami perlambatan Global economic growth in 2024 is expected to slow compared to dibandingkan tahun 2023. Merujuk laporan World Economic 2023. According to the World Economic Outlook Update released Outlook Update yang dirilis oleh Dana Moneter Internasional by the International Monetary Fund (IMF) in April 2024, global (IMF) April 2024, pertumbuhan ekonomi global diproyeksikan economic growth is projected at 3.2% for 2024, down from 3.3% sebesar 3,2% untuk tahun 2024, atau melambat dibandingkan in 2023. This slowdown is attributed to several factors, including tahun 2023 dengan pertumbuhan sebesar 3,3%. Perlambatan tighter monetary policies in developed countries and ongoing tersebut disebabkan oleh beberapa faktor diantaranya kebijakan geopolitical uncertainties. moneter yang lebih ketat di negara-negara maju serta ketidakpastian geopolitik yang berkelanjutan. Ekonomi beberapa mitra dagang utama Indonesia tetap tumbuh Despite the challenging global economic conditions, the economies di tengah pertumbuhan ekonomi global yang penuh tantangan. of several of Indonesia’s key trading partners continued to grow. Singapura tumbuh 4,0% dibanding tahun sebelumnya dengan Singapore recorded a 4.0% growth rate, a significant increase pertumbuhan 1,1%, Malaysia tumbuh 5,1% (2023:3,6%), Korea from 1.1% in 2023. Malaysia expanded by 5.1% (2023: 3.6%), while Selatan tumbuh 2,0% (2023: 1,4%). Adapun ekonomi Tiongkok South Korea’s economy grew by 2.0% (2023: 1.4%). Meanwhile, tumbuh 5,0%, melambat dibandingkan tahun 2023 dengan China’s economy grew by 5.0%, slowing from 5.4% in 2023. A pertumbuhan sebesar 5,4%. Tren yang sama terjadi dengan similar trend was observed in the United States, where economic ekonomi Amerika Serikat di mana tahun 2024 tumbuh sebesar growth stood at 2.8% in 2024, slowing down compared to 2.9% 2,8%, melambat dibanding tahun 2023 dengan pertumbuhan in the previous year. sebesar 2,9%. Merujuk data Badan Pusat Statistik (BPS), ekonomi Indonesia tahun According to data from the Central Statistics Agency (BPS), 2024 tumbuh sebesar 5,03%, melambat dibandingkan tahun 2023 Indonesia’s economy in 2024 grew by 5.03%, slightly lower than the yang mencapai 5,05%. Dari sisi produksi, penyumbang utama 5.05% recorded in 2023. From a production perspective, the main pertumbuhan ekonomi tahun 2024 adalah Industri Pengolahan, contributors to economic growth in 2024 were the Manufacturing, Konstruksi, dan Perdagangan. Hal ini sejalan dengan peningkatan Construction, and Trade sectors, supported by increased production aktivitas produksi dan permintaan luar negeri. Adapun tiga lapangan activities and rising foreign demand. The business sectors with usaha dengan pertumbuhan tertinggi adalah Jasa Lainnya, the highest growth included Other Services, Transportation & Transportasi & Pergudangan, serta Akomodasi & Makan Minum. Warehousing, and Accommodation & Food & Beverage. 490 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 493
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Walau mengalami perlambatan, pertumbuhan ekonomi Indonesia Despite the slight deceleration, Indonesia’s economic growth
tahun 2024 masih berada dalam rentang pertumbuhan yang in 2024 remains within the range projected by various global
disampaikan berbagai lembaga ekonomi global. Bank Dunia, economic institutions. The World Bank, International Monetary Fund
Dana Moneter Internasional (IMF) dan Asia Development Bank (IMF), and Asian Development Bank (ADB) all forecast Indonesia’s
(ADB) memproyeksikan pertumbuhan ekonomi Indonesia tahun economic growth at 5% for the year. Meanwhile, Bank Indonesia
2024 sebesar 5%. Adapun Bank Indonesia memproyeksikan projects a 5.1% growth rate, while the Ministry of Finance estimates
pertumbuhan ekonomi sebesar 5,1%, sedangkan Kementerian growth between 5.0% and 5.2%.
Keuangan di angka 5-5,2%.
Kinerja Lapangan Usaha Jasa Keuangan 2024 Banking Industry Performance in 2024
BPS menyebutkan pertumbuhan ekonomi Indonesia tahun 2024 According to the BPS, Indonesia’s economic growth in 2024 was
ditopang oleh bertumbuhnya semua lapangan usaha, termasuk supported by the expansion of all business sectors, including
jasa keuangan yang tumbuh sebesar 4,74%, sedikit melambat financial services, which grew by 4.74%, slightly slower than the
dibandingan tahun 2023 dengan pertumbuhan 4,77%. Perlambatan 4.77% growth recorded in 2023. The slowdown was influenced by
tersebut dipengaruhi oleh berbagai hal antara lain ketidakpastian various factors, including global economic uncertainty and external
ekonomi global dan tekanan eksternal seperti fluktuasi nilai tukar pressures such as exchange rate fluctuations and a decline in foreign
serta perlambatan investasi asing turut menekan likuiditas dan investment, which also impacted liquidity and investment interest
minat investasi di dalam negeri. Selain itu, kebijakan moneter yang within the country. Additionally, tighter monetary policies and stricter
lebih ketat dan pengetatan regulasi di sektor keuangan membuat financial regulations compelled financial institutions to adopt a
lembaga keuangan harus lebih berhati-hati dalam mengelola risiko more cautious approach in risk and loan management, thereby
dan pinjaman sehingga mempengaruhi laju ekspansi produk dan affecting the pace of expansion in financial products and services.
layanan keuangan. Di sisi lain, pergeseran perilaku konsumen yang Moreover, shifting consumer behavior, with a more selective and
menjadi lebih selektif dan konservatif dalam mengambil keputusan conservative approach to financial decisions, further contributed to
finansial juga menambah beban industri jasa keuangan dalam the challenges faced by the financial services industry in maintaining
mempertahankan pertumbuhan yang sebelumnya lebih dinamis. its previous growth momentum.
Berkaitan dengan kinerja sektor jasa keuangan, Otoritas Jasa Despite these challenges, the Financial Services Authority (OJK)
Keuangan (OJK) menilai stabilitas sektor ini terjaga stabil di tengah assessed that the stability of the financial services sector remained
dinamika perekonomian global dan domestik. Sejumlah indikator intact amid the dynamics of both the global and domestic economy.
perkembangan sektor perbankan menguatkan sinyalemen tersebut. Several banking sector indicators reinforced this positive outlook.
Kinerja intermediasi perbankan tumbuh positif dengan profil risiko Banking intermediation performance showed continued growth,
yang terjaga. Pada November 2024, pertumbuhan kredit masih supported by a stable risk profile. As of November 2024, credit
melanjutkan double digit growth sebesar 10,79% yoy (Oktober growth remained in double digits at 10.79% year-on-year (yoy),
2024: 10,92 persen) menjadi Rp7.717 triliun. compared to 10.92% in October 2024, bringing total credit
disbursement to IDR7,717 trillion.
Sementara itu, berdasarkan jenis penggunaan, Kredit Investasi By type of credit usage, Investment Loan recorded the highest
tumbuh tertinggi yaitu sebesar 13,77%, diikuti oleh Kredit Konsumsi growth at 13.77%, followed by Consumer Loan at 10.94%, while
10,94%, sedangkan Kredit Modal Kerja 8,92%. Berdasarkan kategori Working Capital Loan grew by 8.92%. Based on the debtor
debitur, kredit korporasi tumbuh sebesar 16,19%, sedangkan kredit category, corporate loan expanded by 16.19%, while MSME credit
UMKM juga tetap tumbuh sebesar 4,02%. also continued to grow, increasing by 4.02%.
Di sisi lain, Dana Pihak Ketiga (DPK) perbankan tercatat tumbuh Meanwhile, Third-Party Funds (TPF) in the banking sector grew by
sebesar 7,54% yoy (Oktober 2024: 6,74 persen yoy) menjadi 7.54% yoy (October 2024: 6.74% yoy) to IDR8,835.9 trillion, with
Rp8.835,9 triliun, dengan giro, tabungan, dan deposito masing- current, savings, and time deposits growing by 10.97%, 6.55%, and
masing tumbuh sebesar 10,97%, 6,55%, dan 5,57% yoy. Sementar 5.57% yoy, respectively. The banking sector’s liquidity remained
itu, likuiditas industri perbankan pada November 2024 tetap adequate in November 2024, with the ratio of Liquid Assets to
memadai dengan rasio Alat Likuid/Non-Core Deposit (AL/NCD) Non-Core Deposits (AL/NCD) and Liquid Assets to Third-Party
dan Alat Likuid/Dana Pihak Ketiga (AL/DPK) masing-masing sebesar Funds (AL/TPF) standing at 112.94% (October 2024: 113.64%)
112,94% (Oktober 2024: 113,64%) dan 25,57% (Oktober 2024: and 25.57% (October 2024: 25.58%), respectively—well above
25,58%) dan masih di atas threshold masing-masing sebesar 50% the minimum thresholds of 50% and 10%. The Liquidity Coverage
dan 10%. Adapun Liquidity Coverage Ratio (LCR) berada di level Ratio (LCR) was reported at 213.07%.
213,07%.
2024 Annual Report & Sustainability Report
491
Page 494
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan OJK juga mencatat kualitas kredit tetap terjaga dengan rasio NPL OJK also reported that credit quality remained well-managed, gross sebesar 2,19% (Oktober 2024: 2,20%) dan NPL net sebesar with a gross Non-Performing Loan (NPL) ratio of 2.19% (October 0,75% (Oktober 2024: 0,77%). Loan at Risk (LaR) juga menunjukkan 2024: 2.20%) and a net NPL of 0.75% (October 2024: 0.77%). tren penurunan menjadi sebesar 9,82% (Oktober 2024: 9,94%). The Loan at Risk (LaR) ratio showed a downward trend, decreasing Rasio LaR tersebut sudah lebih rendah dibandingkan sebelum to 9.82% in November 2024 (October 2024: 9.94%). Notably, this pandemi yaitu sebesar 9,93% pada Desember 2019. Secara umum, ratio was lower than the pre-pandemic level of 9.93% recorded tingkat profitabilitas bank (ROA) sebesar 2,69% (Oktober 2024: in December 2019. Overall, banking profitability, as measured by 2,73%), yang menunjukkan kinerja industri perbankan tetap resilien Return on Assets (ROA), stood at 2.69% (October 2024: 2.73%), dan stabil. indicating that the banking industry remains resilient and stable. Lebih lanjut, ketahanan perbankan juga tetap kuat tecermin dari Furthermore, the banking sector’s capital resilience remained permodalan (CAR) yang berada di level tinggi yaitu sebesar 26,92% strong, as reflected in the high Capital Adequacy Ratio (CAR) of (Oktober 2024: 27,02%), meskipun sedikit menurun didorong oleh 26.92% (October 2024: 27.02%). Although slightly lower due to pertumbuhan ATMR yang sejalan dengan pertumbuhan kredit. an increase in ATMR driven by credit growth, the sector’s solid Permodalan perbankan yang solid menjadi bantalan mitigasi risiko capital base continues to serve as a robust risk mitigation buffer yang kuat di tengah kondisi ketidakpastian global. amid ongoing global uncertainties. Rencana dan Kebijakan Strategis Bank Tahun 2024 Bank's Strategic Plan and Policy for 2024. Industri perbankan nasional menghadapi berbagai tantangan di The national banking industry faced various challenges throughout sepanjang tahun 2024. Selain ketepatan dalam memanfaatkan 2024. In addition to the need for precise utilization of government kebijakan pemerintah untuk pemulihan ekonomi pasca pandemi policies for post-pandemic economic recovery, the banking sector atau post pandemic policy responses, perbankan juga menghadapi also encountered spillover effects from persistent geopolitical tantangan berupa spillover effect tensi geopolitik yang masih tinggi. tensions. According to official sources from the Financial Services Sumber resmi Otoritas Jasa Keuangan menyatakan kondisi tersebut Authority (OJK), these conditions contributed to volatility in mendorong volatilitas harga komoditas dan energi, lonjakan inflasi commodity and energy prices, surges in inflation, and prolonged dan kenaikan suku bunga era higher for longer, serta adanya potensi high interest rates, as well as the potential for an economic perlambatan ekonomi. slowdown. Tantangan berikutnya adalah perkembangan yang sangat luar Another challenge was the rapid advancement of digitalization, biasa dalam konteks digitalization berupa percepatan digitalisasi including the acceleration of emerging technologies and the dan emerging technology serta aspek kesiapan industri baik dari industry’s readiness in terms of people, processes, and technology. sisi people, dari proses, maupun teknologi. Tantangan yang tak Equally important were climate-related financial risks and efforts kalah penting adalah risiko keuangan terkait dengan iklim (climate to achieve the net-zero emissions target. related risks) serta upaya untuk mencapai target net zero emission. Menghadapi berbagai tantangan tersebut, Allo Bank To navigate these challenges, Allo Bank implemented a range of mengimplementasikan sejumlah strategi inovatif untuk memastikan innovative strategies to ensure sustainable growth. A key initiative pertumbuhan yang berkelanjutan. Salah satu langkah kunci adalah was strengthening collaboration with strategic partners, both within memperkuat kolaborasi dengan berbagai mitra strategis di dalam and beyond the CT Corpora ecosystem, allowing the Bank to maupun di luar ekosistem CT Corpora, yang memungkinkan Bank leverage its extensive customer base. Through the implementation untuk memanfaatkan basis pelanggan yang luas. Melalui penerapan of the open banking model, Allo Bank aimed to enhance financial model open banking, Allo Bank berupaya untuk meningkatkan services, offering customers greater convenience in conducting layanan finansialnya sehingga memberikan kemudahan bagi transactions in the digital era. nasabah dalam bertransaksi di era digital. Selaras dengan itu, Bank secara konsisten mendayagunakan Additionally, the Bank continued to optimize its phygital (physical and infrastruktur phygital (physical and digital) yang memberikan digital) infrastructure, providing numerous benefits to customers. berbagai macam keuntungan bagi nasabah. Dalam hal ini, This approach integrates the Allo Bank Mobile Banking application infrastruktur phygital Allo Bank menggabungkan aplikasi Mobile with a network of physical service points, including TransMart, Banking Allo Bank dengan jaringan kanal fisik antara lain TransMart, Metro, Mitra Bukalapak, and Indomaret, ensuring seamless and Metro, Mitra Bukalapak, dan Indomaret. accessible banking services. Sesuai dengan Rencana Bisnis Bank, selama tahun 2024, Allo Aligned with its Business Plan, Allo Bank focused on developing Bank fokus pada pengembangan beberapa ekosistem utama several key ecosystems throughout 2024 by accelerating technology melalui akselerasi adopsi teknologi & transformasi digital. Melalui adoption and digital transformation. This shift moved digital services 492 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 495
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
pengembangan tersebut akan terwujud perubahan dari layanan beyond being mere products, transforming them into a platform
digital yang hanya dianggap sebagai produk menjadi layanan digital that integrates various internal and external services. The Bank
sebagai platform untuk mengintegrasikan berbagai layanan internal aimed to evolve into an open ecosystem, easy to personalize and
maupun eksternal, kemudian berkembang menjadi suatu ekosistem high-value, allowing it to make a greater impact on customers'
yang terbuka, mudah untuk dipersonalisasi dan bernilai tinggi. financial lives while meeting their expectations and needs.
Melalui pendekatan ini, Bank memiliki keyakinan untuk menjadi lebih
berdampak dan bermakna dalam setiap aspek finansial dari kehidupan
sesuai dengan standar ekspektasi dan kebutuhan nasabah.
Allo Bank optimis, penerapan berbagai strategi inovatif secara Allo Bank remains optimistic that the consistent implementation
konsisten merupakan pondasi untuk mewujudkan pertumbuhan of these innovative strategies will serve as a strong foundation for
berkesinambungan, yang tercermin dari kinerja keuangan dan sustainable growth, reflected in solid financial performance and
profitabilitas yang baik. Terlebih lagi, strategi inovatif tersebut profitability. These strategies are further reinforced by prudent
ditopang pengelolaan fungsi intermediasi secara prudent, budaya intermediation management, a culture of smart spending,
smart spending dan cost discipline di seluruh jenjang organisasi disciplined cost control across all organizational levels, and a
dan ditopang struktur permodalan yang kuat. robust capital structure.
Berpegang kepada arah kebijakan sebagaimana tersebut di atas, In line with the policy direction mentioned above, the Bank has
Bank telah menetapkan dan menerapkan langkah-langkah strategis established and implemented the following strategic steps for 2024:
tahun 2024 sebagai berikut:
1. Melakukan penetrasi pasar berkelanjutan ke berbagai 1. Expanding market penetration across various customer
segmentasi nasabah dengan terus memberikan nilai tambah segments by continuously providing added value through the
(added value) melalui implementasi 3 pilar strategi bisnis Bank Bank’s three business strategy pillars: acquisition, engagement,
(acquisition, engagement, and monetization); and monetization.
2. Meningkatkan layanan digital secara signifikan yang berdampak 2. Significantly enhancing digital services to drive growth in both
pada peningkatan aset dan liabilitas; assets and liabilities
3. Menjalin kolaborasi dengan mitra strategis (strategic partners) 3. Collaborating with strategic partners within key ecosystems by
ekosistem utama melalui penerapan model open banking untuk implementing an open banking model to enrich and enhance
memperkaya dan meningkatkan nilai layanan finansial yang the value of the Bank’s financial services.
disediakan oleh Bank;
4. Penguatan data driven organization dengan memanfaatkan 4. Strengthening data-driven organization by leveraging Artificial
kapabilitas Artificial Intelligence (AI) dan data analytic untuk Intelligence (AI) and data analytics to enhance the Bank’s
meningkatkan keunggulan kompetitif Bank; competitive advantage.
5. Penguatan manajemen risiko menggunakan teknologi terkini 5. Strengthening risk management through the latest technology
melalui peningkatan IT Maturity dalam rangka memperkuat and increasing IT Maturity to reinforce operational resilience.
operasional Bank;
6. Pengembangan talenta DIGITAL untuk mencapai kinerja Bank 6. Developing DIGITAL talent to drive superior bank performance
yang unggul; dan
7. Penguatan Good Corporate Governance (GCG) di seluruh 7. Strengthening Good Corporate Governance (GCG) across all
fungsi organisasi Bank. levels of the Bank’s organizational structure.
Kinerja Allo Bank Tahun 2024 Allo Bank Performance in 2024
Selama tahun 2024, manajemen didukung segenap karyawan Allo Throughout 2024, Allo Bank’s management, supported by all
Bank telah melakukan sosialisasi dan bersinergi dengan seluruh employees, has conducted extensive socialization and synergy
jajaran untuk menerapkan berbagai langkah strategis tersebut across all levels of the organization to implement the strategic steps
di atas, sekaligus sebagai upaya dan komitmen Bank dalam outlined earlier. These initiatives reflect the Bank’s commitment
membangun budaya keberlanjutan. Upaya tersebut membawa hasil to fostering a culture of sustainability. As a result, Allo Bank has
dengan pencapaian kinerja yang membanggakan selama tahun achieved notable performance milestones during the reporting
pelaporan. Dari segi jumlah nasabah misalnya, per 31 Desember year. For instance, in terms of customer acquisition, as of
2024, Allo Bank telah memiliki sebanyak lebih dari 11 juta nasabah. December 31, 2024, the Bank had more than 11 million customers.
Pencapaian ini membuktikan bahwa Bank berhasil masuk dan This achievement demonstrates Allo Bank’s successful market
melakukan penetrasi baik ke kota-kota Tier-1 maupun ke kota Tier- penetration, not only in Tier-1 cities but also in Tier-2 and Tier-
2, hingga Tier-3 sehingga terus bertumbuh secara kompetitif dan 3 cities, enabling it to grow competitively and sustainably. The
berkelanjutan. Kinerja ekonomi selengkapnya ditunjukkan dalam complete economic performance data is presented in the following
tabel berikut: [OJK F.2] table: [OJK F.2]
2024 Annual Report & Sustainability Report
493
Page 496
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Tabel Perbandingan Target dan Kinerja Pembiayaan, Pendapatan dan Laba Rugi Tahun 2022-2024
Comparison Table of Financing, Revenue and Profit and Loss Targets and Performance for 2022-2024
(Rp Juta | Rp Million)
2024 2023 2022
Target Target Target
Uraian
Description
dalam Realisasi dalam Realisasi dalam Realisasi
RBB % RBB % RBB %
Realization Realization Realization
Target in Target in Target in
RBB RBB RBB
Total Aset 13.631.634 13.984.014 102,59% 12.300.150 12.750.435 103,66% 15.641.515 11.058.957 70,70%
Total Assets
Aset Produktif 12.187.114. 13.319.824 109,29% 11.149.602 12.184.632 109,28% 10.431.565 70,56%
Productive Assets 14.783.855
Kredit/Pembiayaan 7.934.589 7.478.035 94,25% 7.385.708 92,32% 7.765.896 7.205.558 92,78%
Bank 8.000.000
Bank Loans/Financing
Dana Pihak Ketiga 5.304.804 6.095.118 114,90% 5.350.000 4.898.665 91,56% 6.132.231 4.415.491 72,00%
Third Party Fund
Pendapatan 1.339.031 1.446.728 108,04% 1.039.446 1.159.330 111,53% 636.317 760.749 119,56%
Operasional
Operating Income
Beban Operasional 663.035. 734.025 110,71% (612.986) (535.827) 87,41% 216.575 359.884 166,17%
Operating Expense
Laba Bersih 451.113 467.106 103,55% 324.896 444.566. 136,83% 285.005 270.030 94,75%
Net Profit
Rasio Kinerja (Persen)
Performance Ratio (Percent)
Rasio Kecukupan 77,90% 82,58% 106,01% 74,11% 83,35% 112.47% 76,21% 79,53% 104,36%
Modal Minimum
(KPMM)
Capital Adequacy Ratio
(CAR)
Aset Produktif 0,47% 0,46% 98,98% 0,22% 0,05% 21,96% 0,04% 0,00% 0,00%
Bermasalah dan
Aset Non Produktif
Bermasalah terhadap
Total Aset Produktif
dan Aset Non Produktif
Non-Performing
Productive and Non-
Productive Assets to
Total Productive and
Non- Productive
Aset Produktif 0,47% 0,46% 98,98% 0,22% 0,05% 21,96% 0,04% 0,00% 0,00%
Bermasalah terhadap
Total Aset Produktif
Non-Performing
Productive Assets to
Total Productive Assets
494 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 497
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
2024 2023 2022
Target Target Target
Uraian
dalam dalam dalam
Description Realisasi Realisasi Realisasi
RBB % RBB % RBB %
Realization Realization Realization
Target in Target in Target in
RBB RBB RBB
Cadangan Kerugian 0,70% 0,78% 111,63% 0,57% 0,51% 89,67% 0,37% 0,52% 142,94%
Penurunan Nilai
(CKPN) Aset Keuangan
terhadap Aset
Produktif
CKPN Allowance for
Impairment Losses
on Financial Assets to
Productive Assets
NPL Gross 0,72% 0,81% 113,63% 0,31% 0,08% 26,00% 0,07% 0,01% 17,57%
NPL Gross
NPL Net 0,44% 0,40% 91,10% 0,19% 0,05% 26,38% 0,04% 0,01% 17,67%
NPL Net
Return on Asset (ROA) 4,59% 4,48% 97,55% 3,40% 4,76% 139,83% 3,48% 3,55% 102,09%
Return on Asset (ROA)
Return on Equity (ROE) 6,51% 6,78% 104,13% 5,04% 6,70% 133,03% 4,59% 4,36% 94,97%
Return on Equity (ROE)
Net Interest Margin 9,49% 8,88% 93,56% 8,00% 9,01% 112,74% 5,10% 6,70% 131,31%
(NIM)
Net Interest Margin
(NIM)
Rasio Efisiensi (BOPO) 64,66% 66,78% 103,28% 68,99% 59,87% 86,78% 51,70% 60,51% 117,04%
Efficiency Ratio (BOPO)
Loan to Deposit Ratio 149,57% 122,69% 82,03% 149,53% 150,77% 100,83% 126,64% 163,19% 128,86%
(LDR)
Loan to Deposit Ratio
(LDR)
*) Hanya diisi oleh Bank yang diwajibkan untuk menyusun dan mempublikasikan perhitungan dan nilai Liquidity Coverage Ratio (LCR)
Triwulanan sebagaimana diatur dalam ketentuan mengenai kewajiban pemenuhan rasio kecukupan likuiditas (LCR) bagi Bank umum. Nilai
LCR pertama kali disajikan untuk posisi laporan bulan Maret 2019, [19] [20] [21]
*) This is only filled in by banks that are required to prepare and publish quarterly Liquidity Coverage Ratio (LCR) calculations and values as
regulated in the provisions concerning the obligation to fulfil Liquidity Coverage Ratio (LCR) requirements for Conventional Bank. The LCR
value is first presented for the position of the March 2019 report. [19] [20] [21]
Selanjutnya, berkaitan dengan penerapan POJK Keuangan Furthermore, regarding the implementation of POJK Sustainable
Berkelanjutan, terkhusus tentang pembiayaan atau investasi pada Finance, particularly in financing and investment aligned with
instrumen keuangan atau proyek yang sejalan dengan penerapan sustainable finance principles, Allo Bank has conducted a thorough
keuangan berkelanjutan, Allo Bank telah melakukan pemetaan mapping of its products and services. This mapping is based
tentang produk dan layanan yang ditawarkan kepada nasabah. on the Technical Guidelines for Banks related to POJK No. 51/
Pemetaan merujuk pada Pedoman Teknis bagi Bank Terkait POJK.03/2017 on Sustainable Finance for Financial Services
Implementasi POJK No. 51/POJK.03/2017 tentang Penerapan Institutions, Issuers, and Public Companies, issued by OJK in 2018.
Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten dan Additionally, it refers to Article 4 of Financial Services Authority
Perusahaan Publik yang diterbitkan OJK tahun 2018, dan pasal 4, Regulation No. 60/POJK.04/2017 concerning the issuance and
Peraturan Otoritas Jasa Keuangan No. 60/POJK.04/2017 Tentang requirements of Environmentally Friendly Debt Securities (Green
Penerbitan dan Persyaratan Efek Bersifat Utang Berwawasan Bonds), which defines 11 Environmentally Friendly Business Activities
Lingkungan (Green Bond) yang menjelaskan 11 (sebelas) Kegiatan (KUBL). Beyond these categories, an additional category has been
Usaha Berwawasan Lingkungan (KUBL). Selain ke-11 kategori, introduced, namely Micro, Small, and Medium Enterprises (MSMEs),
ditambahkan 1 (satu) kategori kegiatan usaha berkelanjutan, yaitu reinforcing the principle of inclusiveness in sustainable finance.
kategori Usaha Mikro, Kecil, dan Menengah (UMKM) sebagai
perwujudan prinsip keuangan berkelanjutan, yaitu prinsip inklusif.
2024 Annual Report & Sustainability Report
495
Page 498
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Berdasarkan pemetaan yang dilaksanakan Allo Bank mengenai Based on the mapping conducted by Allo Bank regarding products
produk dan layanan, maka Bank memiliki pembiayaan sesuai KUBL and services, Allo Bank has financing in alignment with KUBL, by
dengan mulai mengembangkan pembiayaan kepada segmen starting to develop financing for the MSME in 2024 through an
UMKM sejak tahun 2024 dengan pendekatan berbasis ekosistem ecosystem-based approach
[OJK F.3]
Tabel Target dan Realisasi Pembiayaan/Investasi yang Sejalan dengan Penerapan Keuangan Berkelanjutan
Tahun 2022-2024
Table of Targets and Realization of Financing/Investment that are in Line with the Implementation of Sustainable
Finance in 2022-2024
(Rp Juta | Rp Million)
2024 2023 2022
Uraian
Description Target Realisasi Target Realisasi Target Realisasi
Target Realization Target Realization Target Realization
Jenis Produk yang Memenuhi Kriteria Kegiatan Usaha Berkelanjutan (KKUB)
Type of Products that Meet The Sustainable Business Activities Criteria (KKUB)
Penghimpunan Dana - - - - - -
Fundrasing
Penyaluran Dana, termasuk kepada UMKM - - - - - -
Fund Distribution, including to MSMEs
Total Aset Produktif Kegiatan Usaha Berkelanjutan
Total Productive Assets of Sustainable Business Activities
Total Kredit/Pembiayaan Kegiatan Usaha Berkelanjutan - - - - - -
Total Credit/Financing for Sustainable Business Activities
Total Non-Kredit/Non-Pembiayaan Kegiatan Usaha Berkelanjutan - - - - - -
Total Non-Credit/Non-Financing of Sustainable Business
Activities
Persentase Total Kredit/Pembiayaan Kegiatan Usaha - - - - - -
Berkelanjutan terhadap Total Kredit/Pembiayaan Bank (%)
Percentage of Total Credit/Financing for Sustainable
Business Activities to Total Bank Credit/Financing (%)
KINERJA LINGKUNGAN KEBERLANJUTAN SUSTAINABLE ENVIRONMENTAL PERFORMANCE
Industri perbankan memiliki peran yang sangat penting dalam The banking industry plays a crucial role in addressing environmental
menangani permasalahan lingkungan, terutama dalam konteks challenges, particularly in the face of intensifying climate change.
perubahan iklim yang semakin mendesak. Dengan kapasitasnya With its capacity to allocate financial resources, banks have the
untuk mengalokasikan sumber daya keuangan, bank dapat power to influence investment decisions that directly impact the
mempengaruhi keputusan investasi yang berdampak langsung environment. By integrating Environmental, Social, and Governance
pada lingkungan. Melalui penerapan prinsip-prinsip Environmental, (ESG) principles, banks can not only mitigate environmental risks
Social, and Governance (ESG), sektor perbankan tidak hanya dapat but also contribute to broader sustainability initiatives. For example,
mengelola risiko yang berkaitan dengan lingkungan, tetapi juga banks can prioritize funding for environmentally friendly projects
berkontribusi pada upaya keberlanjutan yang lebih luas. Misalnya, such as renewable energy and carbon emission reduction programs,
Bank dapat memilih untuk mendanai proyek-proyek ramah thereby helping to achieve the Net Zero Emission target by 2060
lingkungan, seperti energi terbarukan dan inisiatif pengurangan or earlier.
emisi karbon sehingga membantu mencapai target Net Zero
Emission pada tahun 2060 atau lebih cepat.
Seiring dengan itu, perhatian bank terhadap masalah lingkungan At the same time, banks’ commitment to environmental issues is
juga menjadi faktor penting dalam menjaga reputasi dan increasingly becoming a key factor in maintaining customer trust
kepercayaan nasabah. Dalam era di mana nasabah semakin sadar and corporate reputation. In an era where sustainability awareness
akan isu-isu keberlanjutan, bank yang abai terhadap tanggung is growing, banks that fail to uphold social and environmental
jawab sosial dan lingkungan berisiko kehilangan kepercayaan responsibilities risk losing the confidence of clients, investors, and
dari klien, investor dan segenap pemangku kepentingan lainnya. other stakeholders. Conversely, weak ESG practices can lead to
496 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 499
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Di sisi lain, praktik buruk dalam hal ESG dapat menyebabkan long-term consequences, such as higher credit risk and financial
dampak negatif jangka panjang bagi bank itu sendiri, termasuk losses due to climate change. Given these realities, the banking
peningkatan risiko kredit dan kerugian finansial akibat perubahan industry must integrate environmental considerations into its
iklim. Bercermin pada kondisi faktual serupa itu, industri perbankan decision-making processes to ensure business sustainability and
perlu mengintegrasikan faktor-faktor lingkungan ke dalam proses long-term reputational strength.
pengambilan keputusan guna memastikan keberlangsungan usaha
dan reputasi di mata publik.
Tuntutan agar industri perbankan berkontribusi terhadap kelestarian The demand for the banking industry to contribute to environmental
lingkungan merupakan implementasi Undang-Undang Republik sustainability is an implementation of Republic of Indonesia Law
Indonesia No. 10 Tahun 1998 tentang Perubahan Atas Undang- No. 10 of 1998 concerning Amendments to Law No. 7 of 1992
Undang No. 7 Tahun 1992 tentang Perbankan, yang di dalamnya on Banking, which regulates the principle of prudence in credit
mengatur tentang prinsip kehati-hatian dalam penyaluran kredit; distribution; Republic of Indonesia Law No. 32 of 2009 on
Undang-Undang Republik Indonesia No. 32 Tahun 2009 tentang Environmental Protection and Management, where in Article 43,
Perlindungan dan Pengelolaan Lingkungan Hidup di mana dalam paragraph (3), letter c, there is a clause stating, "Development of
Pasal 43, ayat (3), huruf c terdapat klausul, “Pengembangan sistem an environmentally friendly financial institution and capital market
lembaga keuangan dan pasar modal yang ramah lingkungan system"; and the Financial Services Authority Regulation No. 51/
hidup”; serta Otoritas Jasa Keuangan merilis Peraturan Otoritas POJK.03/2017 concerning the Implementation of Sustainable
Jasa Keuangan No. 51/POJK.03/2017 tentang Penerapan Finance for Financial Services Institutions, Issuers, and Public
Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten Companies (POJK Sustainable Finance), released by the Financial
dan Perusahaan Publik (POJK Keuangan Berkelanjutan). Services Authority.
Berdasarkan regulasi tersebut, maka kalangan perbankan di Based on these regulations, the banking sector in Indonesia is
Indonesia memiliki kewajiban untuk menerapkan prinsip keuangan required to implement the principles of sustainable finance. The
berkelanjutan atau sustainable finance. Otoritas Jasa Keuangan Financial Services Authority (OJK) states that sustainable finance
(OJK) menyebutkan sustainable finance memiliki empat dimensi, consists of four dimensions: achieving industrial, social, and
yaitu pencapaian keunggulan industri, sosial, dan ekonomi dalam economic excellence to reduce the threat of global warming and
rangka mengurangi ancaman pemanasan global serta pencegahan prevent environmental and social issues; shifting targets towards
terhadap permasalahan lingkungan hidup dan sosial lainnya; a competitive low-carbon economy; promoting environmentally
pergeseran target menuju ekonomi rendah karbon yang kompetitif; friendly investments across various business and economic sectors;
promosi investasi ramah lingkungan hidup di berbagai sektor usaha/ and supporting the implementation of Indonesia’s 4P development
ekonomi; dan pemberian dukungan pada pelaksanaan prinsip- principles (pro-growth, pro-jobs, pro-poor, and pro-environment).
prinsip pembangunan Indonesia 4P (pro-growth, pro-jobs, pro-poor,
dan pro-environment).
Komitmen Allo Bank Allo Bank's Commitment
Allo Bank mendukung penerapan keuangan berkelanjutan di Allo Bank actively supports the implementation of sustainable
Indonesia dengan melakukan penyesuaian sejumlah kebijakan finance in Indonesia by adjusting several policies to align with its
agar selaras dengan komitmen mengutamakan nilai Lingkungan commitment to prioritizing Environmental, Social, and Governance
(Environmental), Sosial (Social), dan Tata Kelola (Governance) atau (ESG) values. These adjustments include updating credit distribution
ESG. Penyesuaian yang dilakukan antara lain melakukan pembaruan policies and revising the Standard Operating Procedure (SOP) for
kebijakan penyaluran kredit, serta pembaruan Standard Operating credit related to the implementation of sustainable finance.
Procedure (SOP) kredit terkait penerapan keuangan berkelanjutan.
Secara spesifik, Bank juga mulai mencanangkan program- Furthermore, the Bank has launched various sustainability-focused
program berkelanjutan terkait aspek environment dan social. programs related to environmental and social aspects. As part
Dalam hal ini, Bank menjadikan kelompok-kelompok usaha yang of this initiative, Allo Bank prioritizes business groups engaged
mengedepankan bisnis berkelanjutan sebagai target dan sasaran in sustainable practices as key targets for credit distribution.
pemberian kredit. Sejalan dengan itu, secara internal, Bank secara Internally, the Bank is also committed to environmentally friendly
optimal menerapkan operasional kantor yang ramah lingkungan office operations, adopting the 3R principle (Reduce, Reuse, &
dengan memegang prinsip 3R (Reduce, Reuse, & Recycle). Prinsip Recycle). This principle is applied through efficient management
ini diwujudkan melalui pengelolaan yang baik terkait penggunaan of raw materials such as paper, as well as energy, water, and waste
bahan baku/material kertas, energi (bahan bakar minyak dan listrik), consumption.
air serta limbah.
2024 Annual Report & Sustainability Report
497
Page 500
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Pengelolaan Bahan Baku/Material Kertas [OJK F.5] Raw Material Management in Paper [OJK F.5]
Allo Bank, sebagai institusi perbankan berbasis digital, masih As a digital banking institution, Allo Bank still requires paper for
membutuhkan kertas untuk keperluan administratif. Meskipun administrative purposes. However, the Bank has taken significant
demikian, Bank telah mengambil langkah-langkah signifikan untuk steps to minimize paper consumption, particularly since its raw
meminimalkan penggunaan kertas yang bahan bakunya berasal materials come from tree-derived pulp. Efforts to reduce paper
dari pohon yang diproses menjadi pulp. Upaya penghematan kertas usage include optimizing soft copy documentation and email
antara lain dilakukan dengan mengoptimalkan penggunaan soft correspondence.
copy atau melalui media surel.
Inisiatif pengurangan penggunaan kertas ini secara tidak langsung This initiative indirectly contributes to environmental conservation
berkontribusi pada pelestarian lingkungan dan mengurangi by reducing deforestation.
penebangan pohon.
Sejalan dengan itu, Allo Bank juga telah mengimplementasikan In line with this, Allo Bank has implemented DigiSign, an electronic
DigiSign, solusi tanda tangan elektronik yang menawarkan berbagai signature solution that enhances efficiency by enabling secure
manfaat termasuk peningkatan efisiensi yang memungkinkan and convenient digital document signing. This solution saves time,
manajemen menandatangani dokumen secara elektronik dengan minimizes errors associated with manual signatures, reduces costs,
aman dan nyaman, menghemat waktu serta mengurangi kesalahan and eliminates the need for physical paper-based signatures,
yang terkait dengan tanda tangan manual. Selain menghemat biaya thereby cutting down on printing, shipping, and storage expenses.
dan mempromosikan kebijakan ramah lingkungan, implementasi
tanda tangan digital juga menghilangkan kebutuhan akan tanda
tangan berbasis kertas, sekaligus menghemat biaya pencetakan,
pengiriman, dan penyimpanan.
Penggunaan kertas di Allo Bank menghasilkan limbah kertas Despite its efforts to reduce paper usage, Allo Bank still generates
berupa dokumen yang sudah tidak terpakai, meski volumenya paper waste, primarily from unused documents, although the
tidak signifikan. Untuk mengolah limbah kertas, Bank menyerahkan volume remains minimal. To manage this waste, the Bank partners
kepada pihak ketiga untuk didaur ulang (recycle) atau digunakan with third-party recycling companies. While paper is a recyclable
kembali (reuse). Walaupun kertas termasuk bahan baku/material material, Allo Bank does not reuse recycled paper in its daily
yang bisa didaur ulang, namun Bank tidak menggunakan hasil operations.
daur ulang tersebut dalam operasional sehari-hari
Per 31 Desember 2024, Bank menggunakan kertas sebanyak As of December 31, 2024, Allo Bank consumed 287 reams of
sebanyak 287 rim, naik dibandingkan tahun 2023 yang mencapai paper, up from 268 reams in 2023. The increase was primarily
268 rim. Kenaikan dipengaruhi oleh pelaksanaan pemenuhan driven by the implementation of BSMR Certification, which required
Sertifikasi BSMR yang memerlukan kelengkapan dokumen peserta. comprehensive participant documentation.
Tabel Penggunaan Kertas Tahun 2022-2024
Table of Paper Usage in 2022-2024
Uraian Satuan 2024 2023 2022
Description Unit
Penggunaan Kertas Rim • A4 267 Rim | Ream • A4 247 Rim | Ream • A4 373 Rim | Ream
Paper Usage Ream • F4 20 Rim | Ream • F4 21 Rim | Ream • F4 22 Rim | Ream
Pengelolaan Energi Energy Management
Allo Bank memanfaatkan dua sumber energi utama dalam menjalankan Allo Bank relies on two primary energy sources to support its
operasional usahanya, yaitu listrik dan Bahan Bakar Minyak (BBM), business operations: electricity and fuel (BBM), both supplied by
yang dipasok oleh pihak ketiga. Listrik digunakan untuk penerangan third parties. Electricity is used for lighting and powering various
serta sumber energi berbagai peralatan elektronik sarana dan sarana electronic equipment and office facilities, including computers,
kantor, seperti komputer, laptop, mesin fotokopi, mesin AC, dan lain- laptops, photocopiers, air conditioners, and others. Meanwhile,
lain. Sementara itu, BBM diperlukan untuk sumber energi kendaraan fuel is essential for operational vehicles and as a backup energy
operasional, serta bahan bakar genset sebagai sumber energi source for generators in case of power supply disruptions.
cadangan jika pasokan listrik dari pihak ketiga mengalami masalah.
498 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 501
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Bercermin bahwa BBM dan listrik merupakan sumber energi tak Reflecting on the fact that fuel and electricity are non-renewable
terbarukan yang ketersediaannya terbatas –terlebih lebih dari energy sources with limited availability, and that more than half
separuh pembangkit listrik masih berbasis batu bara, maka Bank of power plants still rely on coal, the Bank consistently promotes
secara konsisten melakukan efisiensi penggunaan kedua jenis efficient use of both energy types. Electricity efficiency is achieved
energi. Efisiensi listrik antara lain dilakukan dengan mengoptimalkan by optimizing the use of energy-saving LED lamps, turning off lights,
penggunaan lampu hemat energi (LED), mematikan lampu, AC, air conditioners, and other electronic equipment after office hours,
sarana dan prasarana elektronik lain setelah selesai jam kantor, and scheduling power shutdowns at specific times. Meanwhile,
pemadaman listrik di waktu tertentu dan sebagainya. Sedangkan fuel efficiency is carried out through strict monitoring of fuel
penghematan BBM diantaranya dilakukan dengan melakukan consumption for operational and official vehicles. Additionally, the
kontrol ketat pada penggunaan BBM kendaraan operasional maupun Bank promotes virtual meetings by utilizing advanced information
kendaraan dinas jabatan. Efisiensi BBM juga dilakukan dengan technology applications for certain types of meetings, thereby
menyelenggarakan rapat secara online dengan memanfaatkan reducing the need for transportation, including the use of official
aplikasi teknologi informasi terkini untuk jenis rapat tertentu. Dengan vehicles.
demikian, peserta rapat tidak perlu menggunakan moda transportasi
tertentu, termasuk kendaraan dinas jabatan.
Efisiensi energi di Allo Bank sejalan dengan Instruksi Presiden These energy-saving initiatives align with Presidential Instruction
Republik Indonesia No. 13 Tahun 2011 tentang Penghematan Energi No. 13 of 2011 on Energy and Water Conservation and Minister
dan Air, serta Peraturan Menteri Energi dan Sumber Daya Mineral of Energy and Mineral Resources Regulation No. 13 of 2012 on
Republik Indonesia No. 13 Tahun 2012 tentang Penghematan Electricity Consumption Reduction. Moreover, these efforts support
Pemakaian Tenaga Listrik. Kebijakan tersebut sekaligus merupakan Allo Bank’s commitment to reducing greenhouse gas emissions, a
upaya Allo Bank mengurangi emisi gas rumah kaca sebagai salah key factor in global warming and climate change. [OJK F.7, F.8]
satu penyebab pemanasan global dan perubahan iklim. [OJK
F.7, F.8]
Per 31 Desember 2024, penggunaan listrik Allo Bank sebesar As of December 31, 2024, Allo Bank’s electricity consumption
389.000 kWh yang diperoleh dari konversi pembayaran tagihan totaled 389,000 kWh, calculated by dividing the electricity bill
listrik sebesar Rp972,5 juta dibagi harga listrik golongan I-4 pada payment of IDR972.5 million by the electricity tariff for class I-4 at
jam puncak yaitu Rp2.500. Jumlah itu naik dibanding tahun 2023 peak hours of IDR2,500 per kWh. This amount marked an increase
dengan penggunaan listrik sebesar 71.720 kWh pada tahun 2023 from 71,720 kWh in 2023, which was determined using the same
yang diperoleh dengan rumus yang sama dengan pembayaran formula based on an electricity bill payment of IDR179.3 million.
tagihan sebesar Rp179,3 juta. Kenaikan dipengaruhi antara lain The increase was primarily due to the electricity demand for the
adanya pemenuhan daya listrik untuk infrastruktur Data Center new Allo Bank Data Center infrastructure, which was inaugurated
Allo Bank baru yang diresmikan pada bulan Mei 2024. in May 2024.
Adapun penggunaan bensin selama tahun 2024 tercatat sebesar Meanwhile, gasoline consumption in 2024 reached 26,610 liters,
26.610 litter yang diperoleh dari konversi pembayaran bensin calculated by dividing total gasoline expenses of IDR368.9 million
sebanyak Rp368,9 juta dibagi dengan rerata bensin Ron95 yang by the average price of RON95 gasoline (IDR13,864 per liter),
lebih ramah lingkungan sebesar Rp13.864/liter. Jumlah itu naik which is considered a more environmentally friendly option. This
dibandingkan tahun 2023 dengan penggunaan bensin sebesar figure rose compared to 16,272 liters in 2023, derived using the
16.272 liter yang diperoleh dengan rumus yang sama dengan total same formula with total gasoline expenses of IDR225.6 million.
pembayaran bensin sebesar Rp225,6 juta. Kenaikan antara lain The increase was driven primarily by a 27.37% rise in the number
dipengaruhi oleh bertambahnya jumlah karyawan sebesar 27,37% of employees in 2024. [OJK F.6]
pada tahun 2024. [OJK F.6]
Pengelolaan Emisi Gas Rumah Kaca Greenhouse Gas Emission Management
Emisi gas rumah kaca (GRK) merupakan salah satu penyebab Greenhouse gas (GHG) emissions contribute to global warming
terjadinya pemanasan global dan perubahan iklim yang berdampak and climate change, which negatively impact the environment
negatif bagi bumi dan kehidupan di atasnya. Untuk mengurangi and human life. To mitigate these effects, Allo Bank is committed
dampak tersebut antara lain Allo Bank melakukan penghematan to conserving energy by reducing the consumption of electricity
penggunaan energi baik listrik maupun bahan bakar minyak sebagai and fuel, both of which are significant emission sources.
sumber emisi.
Dalam laporan ini, emisi yang dilaporkan adalah emisi GRK langsung In this report, the Bank discloses both direct GHG emissions (Scope
(cakupan 1) yang dihasilkan dari penggunaan bahan bakar fosil (bio 1), which result from fossil fuel consumption (bio-solar), and indirect
solar) dan emisi GRK (cakupan 2) tidak langsung yang bersumber GHG emissions (Scope 2), which originate from electricity purchased
2024 Annual Report & Sustainability Report
499
Page 502
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
dari penggunaan listrik yang dibeli dari pihak ketiga. Penghitungan from third parties. The calculation of direct GHG emissions (Scope
emisi GRK (cakupan 1) langsung dilakukan dengan merujuk metode 1) follows the methodology used by Indonesia and other non-Annex
yang dipakai Indonesia dan negara-negara non-Annex 1 (negara 1 countries (developing countries), known as Tier-1, which is based
berkembang) berupa Tier-1, yaitu berdasarkan data konsumsi energi on energy consumption data multiplied by the default emission
dikalikan faktor emisi default IPCC 2006 (Intergovernmental Panel on factor from the 2006 Intergovernmental Panel on Climate Change
Climate Change/Panel Antarpemerintah tentang Perubahan Iklim). (IPCC) guidelines.
Emisi Hasil Pembakaran Bahan Bakar
Emissions from Fuel Combustion
kg TJ kg
Emisi GRK = Konsumsi Energi x Faktor Emisi
GHG Emissions thn Energy Consumption thn Emission Factor TJ
yr yr
Sesuai tabel di bawah, emisi gas rumah kaca dari penggunaan According to the table below, GHG emissions from gasoline
bensin tahun 2024 tercatat sebesar 60.984 kgCO2eq atau 61 consumption in 2024 amounted to 60,984 kgCO2eq (61 tons
ton CO2eq, naik dibanding tahun 2023 dengan emisi sebesar CO2eq), up from 37,422 kgCO2eq (37 tons CO2eq) in 2023. This
37.422 kgCO2eq atau 37 tonCO2eq. Kenaikan sejalan dengan increase is directly correlated with the rise in gasoline consumption.
bertambahnya jumlah penggunaan bensin. [OJK F.11] [OJK F.11]
Faktor Emisi CO2
Total Energi (TJ/Tahun) (KgCO2/TJ) Emisi CO2 (Kg CO2/Tahun)
Bahan Total Energy (TJ/Year) CO2 Emission Factor CO2 Emission (Kg CO2/year)
Bakar (KgCO2/TJ)
Fuel 2024 2023 2024 2023
A B C=A*B
Bensin 0,88 0,54 69.300 60.984 37.422
Gasoline
Sumber / Source: IPCC 2006
Diolah dari Pedoman Penyelenggaraan Inventarisasi Gas Rumah Kaca Nasional Kementerian Lingkungan Hidup 2012
Processed from the Guidelines for the Implementation of the Ministry of Environment’s National Greenhouse Gas Inventory 2012
Sementara itu, penghitungan emisi gas rumah kaca tidak langsung Meanwhile, indirect GHG emissions (Scope 2) from electricity
(cakupan 2) dari penggunaan listrik dilakukan dengan mengalikan consumption are calculated by multiplying total electricity usage
konsumsi listrik (dalam Kwh per tahun) dengan average grid emission (in kWh per year) by the average grid emission factor issued by the
factor yang dikeluarkan Kementerian ESDM merujuk RUPTL PLN Ministry of Energy and Mineral Resources, which references the
2015-2024 yaitu sebesar 0,929 kgCO2/Kwh (2017) untuk Jawa Bali. 2015-2024 PLN RUPTL. The emission factor used for Java-Bali is
Dengan rumus tersebut, maka didapat emisi cakupan 2 tahun 2024 0.929 kgCO2/kWh (2017). Using this formula, Scope 2 emissions
adalah 361.381 kgCO2eq atau 361 tonCO2eq, naik dibanding tahun in 2024 totaled 361,381 kgCO2eq (361 tons CO2eq), compared
2023 dengan emisi sebesar 66.627 kgCO2eq atau 67 tonCO2eq. to 66,627 kgCO2eq (67 tons CO2eq) in 2023. This increase is in
Kenaikan sejalan dengan bertambahnya jumlah penggunaan listrik. line with the higher electricity consumption.
Dengan demikian, per 31 Desember 2024, jumlah emisi yang As a result, as of December 31, 2024, Allo Bank's total GHG
dihasilkan Allo Bank adalah sebesar 422.365 kgCO2eq atau 422 emissions amounted to 422,365 kgCO2eq (422 tons CO2eq),
tonCO2eq, naik dibandingkan tahun 2023 dengan emisi sebesar a significant increase compared to 104,049 kgCO2eq (104 tons
104.049 kgCO2eq atau 104 tonCO2eq. CO2eq) in 2023.
Pengelolaan Air Water Management
Air bersih merupakan salah satu kebutuhan vital dalam operasional Clean water is a critical resource for Allo Bank’s operations,
Allo Bank, terkhusus untuk memenuhi keperluan domestik primarily used for employee needs, including drinking water, kitchen
karyawan seperti air minum, mencuci peralatan dapur, wudhu, sanitation, ablution, restroom use, and vehicle washing. The Bank
pembilasan di kamar kecil, mencuci kendaraan dan sebagainya. sources clean water from third parties, including bottled water
Bank mendapatkan air bersih dari pihak ketiga, yaitu produsen suppliers and the Regional Drinking Water Company (PDAM).
air dalam kemasan serta Perusahaan Daerah Air Minum (PDAM).
Sejalan dengan terus berkurangnya pasokan sumber air bersih, In line with the declining supply of clean water sources and the
termasuk semakin banyaknya polutan pada air permukaan increasing presence of pollutants in surface water, which serves as
500 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 503
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
sebagai sumber air baku PDAM, maka Bank mengoptimalkan raw water for PDAM, the Bank optimizes clean water efficiency. In
efisiensi penggunaan air bersih. Selain mengeluarkan himbauan addition to issuing guidelines for responsible water usage, the Bank
agar menggunakan air secara bijaksana/tidak boros, Bank juga routinely maintains the pipeline network and replaces pipes in case
melakukan pemeliharaan jaringan pipa secara rutin dan melakukan of leaks. The Bank’s water efficiency efforts align with Presidential
penggantian apabila terdapat kebocoran. Efisiensi penggunaan air Instruction No. 13 of 2011 on Energy and Water Conservation
di Allo Bank sejalan dengan Instruksi Presiden Republik Indonesia
No. 13 Tahun 2011 tentang Penghematan Energi dan Air.
Penghematan air semakin bermakna karena cakupan layanan air Water-saving measures have become increasingly crucial, as clean
bersih di Jakarta pada April 2024 baru mencapai sekitar 67%, water coverage in Jakarta was only at 67% as of April 2024, still far
masih jauh dari target cakupan sebesar 100% pada tahun 2030. from the 100% target by 2030. Additionally, groundwater quality in
Di sisi lain, kualitas air tanah di sebagian wilayah Ibu Kota juga tidak some areas of the capital remains poor, with E-Coli contamination
memenuhi baku mutu karena mengandung bakteri E-Coli, serta and high salinity levels due to seawater intrusion.
memiliki kadar salinitas tinggi akibat intrusi air laut.
Per 31 Desember 2024, Bank mengeluarkan biaya pembelian As of December 31, 2024, Allo Bank’s water expenses reached
air sebesar Rp90,5 juta, naik dibandingkan tahun 2023, yang IDR90.5 million, up from IDR50.3 million in 2023. This increase
mencapai Rp50,3 juta. Kenaikan dipengaruhi oleh penambahan was influenced by a rise in the number of employees and expansion
jumlah karyawan dan area kerja. [OJK F.8] of work areas. [OJK F.8]
Pengelolaan Limbah/Sampah Waste Management
Operasional Allo Bank menghasilkan limbah, baik cair maupun Allo Bank’s operations generate both liquid and solid waste,
padat, termasuk kategori Bahan Berbahaya dan Beracun (B3) including hazardous and toxic materials (B3) and non-B3 waste.
maupun non-B3. Limbah B3 antara lain berupa aki bekas dan oli B3 waste includes used batteries, used oil from operational vehicles,
bekas dari kendaraan operasional, serta lampu bekas, cartridge used lamps, used printer cartridges, and discarded electronics from
bekas, maupun elektronik bekas dari operasional perkantoran. office operations. Non-B3 waste includes domestic waste from
Adapun limbah non-B3 antara lain berupa sampah domestik dari employee activities, consisting of organic and non-organic waste.
aktivitas karyawan, baik berupa sampah organik maupun non-
organik.
Terkhusus pengelolaan sampah perkantoran, selain menyediakan Specifically for office waste management, in addition to providing
tempat sampah dengan jumlah yang cukup, dan memisahkan sufficient trash bins and segregating waste by type, the Bank
sampah berdasarkan jenisnya, Bank bekerja sama dengan pihak collaborates with third-party services for waste collection and
ketiga untuk mengangkut sampah tersebut ke tempat pembuangan disposal. To further reduce waste volume, the Bank implements
akhir. Sejalan dengan itu, untuk mengurangi volume sampah, policies based on the 3R principle (Reduce, Reuse, and Recycle). For
Bank menerapkan sejumlah kebijakan dengan berpatokan pada instance, to reduce plastic waste from bottled water and single-use
prinsip 3R (Reduce, Reuse, dan Recycle). Upaya untuk mengurangi plastic packaging, the Bank provides glass pitchers for drinking
limbah plastik air minum dalam kemasan atau kemasan plastik sekali water and eliminates bottled drinking water. Additionally, the Bank
pakai misalnya, Bank menerapkan kebijakan dengan menyediakan reduces the use of disposable food and beverage containers as part
pitcher kaca sebagai tempat air minum dan tidak menyediakan air of its green living initiative. For B3 waste management, the Bank
minum dalam kemasan. Bank juga menerapkan spirit green living partners with licensed third-party providers to ensure that waste
dengan mengurangi penggunaan tempat makan/minum sekali disposal does not negatively impact the environment.
pakai. Adapun pengelolaan limbah B3, Bank bekerja sama dengan
pihak ketiga yang berizin sehingga keberadaan limbah tersebut
tidak berdampak negatif bagi lingkungan.
Biaya Lingkungan Environmental Costs
Per 31 Desember 2024, Bank mengeluarkan biaya lingkungan As of December 31, 2024, Allo Bank incurred environmental
sebesar Rp215 juta, naik dibandingkan tahun 2023, yang costs totaling IDR215 million, an increase from IDR195 million in
mencapai Rp195 juta. Biaya lingkungan tersebut digunakan Bank 2023. These costs were allocated to finance various Social and
untuk membiayai berbagai program Tanggung Jawab Sosial dan Environmental Responsibility programs, as detailed in this Annual
Lingkungan seperti yang telah diungkapkan pada Laporan Tahunan Report. [OJK F.4]
ini. [OJK F.4]
2024 Annual Report & Sustainability Report
501
Page 504
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
KINERJA SOSIAL KEBERLANJUTAN SUSTAINABLE SOCIAL PERFORMANCE
Keberhasilan Allo Bank mencatatkan kinerja terbaik, termasuk Allo Bank's strong performance, including reaching 11 million
membukukan nasabah hingga 11 juta dalam usianya yang ketiga tahun, customers in its third year, reflects the immense support from
membuktikan besarnya dukungan pemangku kepentingan terhadap stakeholders for the Bank's growth. This achievement is even more
keberadaan Bank. Pencapaian tersebut semakin bermakna karena significant given the intense competition among digital-based
kompetisi bank umum berbasis digital di Indonesia yang jumlahnya conventional bank in Indonesia, with dozens of players competing
belasan sangat ketat dan kian agresif dalam menjalankan bisnis. aggressively. Banks continuously strive to enhance customer
Semua bank berlomba memberikan layanan yang memungkinkan experiences by offering services that enable prospective and
calon nasabah dan/atau nasabah memperoleh informasi, melakukan existing customers to access information, communicate, register,
komunikasi, registrasi, pembukaan rekening, transaksi perbankan, open accounts, conduct banking transactions, close accounts,
dan penutupan rekening, termasuk memperoleh informasi lain dan and engage in additional financial activities such as financial
transaksi di luar produk perbankan seperti nasihat keuangan (financial advisory, investment, and electronic trading system transactions
advisory), investasi, transaksi sistem perdagangan berbasis elektronik (e-commerce).
(e-commerce), dan sebagainya .
Dukungan yang diterima Allo Bank merupakan hasil hubungan The support Allo Bank receives is the result of a mutual relationship
timbal balik atas keberhasilan Bank memenuhi tanggung jawabnya between the Bank and its stakeholders, both internal and external.
terhadap para pemangku kepentingan, baik internal maupun The Bank's internal stakeholders include shareholders, management,
eksternal. Pemangku kepentingan internal Bank adalah pemegang and employees across various divisions and organizational levels.
saham, manajemen dan karyawan lintas divisi dan beragam level External stakeholders consist of customers, clients, regulators, and
jabatan. Adapun pemangku kepentingan eksternal di antaranya communities in the Bank's operational areas, including beneficiaries
nasabah dan klien, regulator dan masyarakat di sekitar lokasi of CSR (Corporate Social Responsibility) programs.
perusahaan beroperasi, termasuk mereka yang penerima manfaat
CSR (Corporate Social Responsibility).
Pemenuhan tanggung jawab terhadap pemangku kepentingan To ensure effective stakeholder engagement, Allo Bank conducts
yang sangat beragam dilakukan Allo Bank berdasarkan pemetaan comprehensive stakeholder mapping, allowing the Bank to gain a
yang matang. Dengan demikian, Bank memperoleh gambaran yang clear understanding of expectations and needs. The Bank remains
jelas tentang harapan dan kebutuhan masing-masing pemangku committed to fulfilling these responsibilities, recognizing that
kepentingan. Bank berkomitmen untuk menunaikan tanggung maintaining strong relationships with stakeholders is essential for
jawab tersebut karena hal itu merupakan sarana terbaik untuk long-term business sustainability.
menjalin hubungan dan menciptakan komunikasi positif dengan
para pemangku kepentingan. Sebagai entitas bisnis, relasi yang
berkualitas dengan pemangku kepentingan merupakan modal
penting untuk mewujudkan usaha yang berkelanjutan.
Berdasarkan kategori pemangku kepentingan yang berbeda-beda, Given the diverse range of stakeholders, Allo Bank tailors its
maka upaya yang dilakukan Allo Bank untuk memenuhi hak-hak dan approach to fulfilling stakeholder expectations. These efforts cover
harapan pemangku kepentingan juga beragam. Pemenuhan hak areas such as employment, Occupational Safety and Health (K3),
tersebut antara lain berkaitan dengan ketenagakerjaan, Keselamatan human rights, community involvement, and product and service
dan Kesehatan Kerja (K3), asasi manusia, pelibatan masyarakat, responsibility.
tanggung jawab atas produk/jasa dan sebagainya.
Landasan Kebijakan Policy Foundation
Komitmen Allo Bank memenuhi tanggung jawab kepada segenap Allo Bank's commitment to fulfilling its responsibilities to all internal
pemangku kepentingan internal maupun eksternal merujuk pada and external stakeholders refers to various regulations in force in
berbagai regulasi yang berlaku di Indonesia di antaranya: Indonesia, including:
1. Undang-Undang No. 1 Tahun 1970 tentang Keselamatan Kerja 1. Law No. 1 of 1970 concerning Occupational Safety
2. Undang-Undang No. 8 Tahun 1999 tentang Perlindungan 2. Law No. 8 of 1999 concerning Consumer Protection
Konsumen
3. Undang-Undang No. 13 tahun 2003 tentang Ketenagakerjaan 3. Law No. 13 of 2003 concerning Manpower
4. Undang-Undang No. 40 Tahun 2007 tentang Perseroan Terbatas 4. Law No. 40 of 2007 concerning Limited Liability Companies
5. Undang-Undang Republik Indonesia No. 24 Tahun 2011 tentang 5. Law of the Republic of Indonesia No. 24 of 2011 concerning
Badan Penyelenggara Jaminan Sosial Social Security Administering Body
502 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 505
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
6. Undang-Undang No. 6 Tahun 2023 tentang Penetapan 6. Law No. 6 of 2023 concerning Stipulation of Government
Peraturan Pemerintah Pengganti Undang-Undang No. 2 Tahun Regulation in Lieu of Law No. 2 of 2022 concerning Job
2022 tentang Cipta Kerja menjadi Undang-Undang Creation becomes Law
7. Undang-Undang No. 17 Tahun 2023 tentang Kesehatan 7. Law No. 17 of 2023 concerning Health
8. Undang-Undang Republik Indonesia No. 27 Tahun 2022 8. Law of the Republic of Indonesia No. 27 of 2022 concerning
tentang Pelindungan Data Pribadi Protection of Personal Data
9. Peraturan Pemerintah Republik Indonesia No. 36 Tahun 2021 9. Government Regulation of the Republic of Indonesia No. 36
tentang Pengupahan of 2021 concerning Wages
10. Peraturan Presiden Republik Indonesia No. 7 Tahun 2019 10. Presidential Regulation of the Republic of Indonesia No. 7 of
tentang Penyakit Akibat Kerja 2019 concerning Occupational Diseases
11. Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017 11. Financial Services Authority Regulation No. 51/POJK.03/2017
tentang Penerapan Keuangan Berkelanjutan bagi Lembaga concerning the Implementation of Sustainable Finance for
Jasa Keuangan, Emiten dan Perusahaan Publik. Financial Services Institutions, Issuers and Public Companies.
12. Peraturan Otoritas Jasa Keuangan No. 1/POJK.07/2013 tentang 12. Financial Services Authority Regulation No. 1/POJK.07/2013
Perlindungan Konsumen Sektor Jasa Keuangan. concerning Consumer Protection in the Financial Services Sector.
13. Surat Edaran Otoritas Jasa Keuangan No. 2/SEOJK.07/2014 13. Financial Services Authority Circular Letter No. 2/SEOJK.07/2014
tentang Pelayanan dan Penyelesaian Pengaduan Konsumen concerning Services and Settlement of Consumer Complaints
pada Pelaku Usaha Jasa Keuangan. to Financial Services Business Actors.
14. Peraturan Otoritas Jasa Keuangan No. 31/POJK.07/2020 14. Regulation of the Financial Services Authority No. 31/
tentang Penyelenggaraan Layanan Konsumen dan Masyarakat POJK.07/2020 concerning the Provision of Consumer and
di Sektor Jasa Keuangan oleh Otoritas Jasa Keuangan; Community Services in the Financial Services Sector by the
Financial Services Authority;
15. Peraturan Otoritas Jasa Keuangan No. 6/POJK.07/2022 tentang 15. Regulation of the Financial Services Authority No. 6/
Perlindungan Konsumen dan Masyarakat Sektor Jasa Keuangan POJK.07/2022 concerning Protection of Consumers and the
Community in the Financial Services Sector
16. Peraturan Otoritas Jasa Keuangan Republik Indonesia No. 22 16. Regulation of the Financial Services Authority of the Republic of
Tahun 2023 Tentang Pelindungan Konsumen dan Masyarakat Indonesia No. 22 of 2023 concerning Protection of Consumers
di Sektor Jasa Keuangan and the Community in the Financial Services Sector
17. Peraturan Otoritas Jasa Keuangan Republik Indonesia No. 3 17. Regulation of the Financial Services Authority of the Republic
Tahun 2023 tentang Peningkatan Literasi dan Inklusi Keuangan of Indonesia No. 3 of 2023 concerning Increasing Financial
di Sektor Jasa Keuangan Bagi Konsumen dan Masyarakat; Literacy and Inclusion in the Financial Services Sector for
Consumers and the Community;
18. Peraturan Otoritas Jasa Keuangan Republik Indonesia No. 18. Regulation of the Financial Services Authority of the Republic
12 Tahun 2024 tentang Penerapan Strategi Anti Fraud Bagi of Indonesia No. 12 of 2024 concerning Implementation of
Lembaga Jasa Keuangan. Anti-Fraud Strategies for Financial Services Institutions.
Berdasarkan berbagai regulasi di atas, selanjutnya Bank telah In compliance with these regulations, the Bank has developed
menyusun berbagai regulasi internal sebagai panduan operasional internal regulations that serve as operational guidelines for employee
keseharian yang berkaitan dengan pengelolaan kepegawaian, management, Occupational Health and Safety (K3), product
Kesehatan dan Keselamatan Kerja (K3), tanggung jawab produk responsibility, and other related areas.
dan lain sebagainya.
Layanan Setara untuk Nasabah [OJK F.17] Equality in Customer Service [OJK F.17]
Layanan setara bagi nasabah merupakan prinsip fundamental bagi Equal service for customers is a fundamental principle for Allo Bank
Allo Bank dalam menjalankan bisnis. Untuk itu, Bank memastikan in running its business. To that end, the Bank ensures that every
bahwa setiap nasabah, tanpa memandang latar belakang seperti customer, regardless of their background—such as religion, race,
agama, ras, suku, gender, pandangan politik dan lain-lain, memiliki ethnicity, gender, political views, or other factors—has equal access
akses yang sama untuk mendapatkan layanan terbaik. Bank to the best service. The Bank believes that quality and equality of
meyakini kualitas dan kesetaraan layanan merupakan kunci penting service are key factors in gaining customer trust and loyalty.
untuk meraih kepercayaan dan loyalitas nasabah.
Penerapan kesetaraan kepada nasabah merupakan kepatuhan Allo The application of equality in customer service is Allo Bank's
Bank terhadap Undang-Undang Perlindungan Konsumen pasal 7, compliance with the Consumer Protection Law, Article 7, letter (c),
huruf c, “memperlakukan atau melayani konsumen secara benar which states: "Treating or serving consumers properly, honestly, and
dan jujur serta tidak diskriminatif.” Dalam penjelasan pasal tersebut without discrimination." The article further explains: "Business actors
2024 Annual Report & Sustainability Report
503
Page 506
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan disebutkan, “Pelaku usaha dilarang membeda-bedakan konsumen are prohibited from discriminating against consumers in providing dalam memberikan pelayanan. Pelaku usaha dilarang membeda- services. Business actors are prohibited from discriminating in the bedakan mutu pelayanan kepada konsumen.” Sebagai bagian dari quality of service to consumers." As part of a Financial Services Lembaga Jasa Keuangan, kesetaraan perlakuan kepada nasabah Institution, equality of treatment for Bank customers also refers Bank juga merujuk pada Peraturan Otoritas Jasa Keuangan No. 6/ to Financial Services Authority Regulation No. 6/POJK.07/2022 POJK.07/2022 tentang Perlindungan Konsumen dan Masyarakat concerning Consumer and Community Protection in the Financial Sektor Jasa Keuangan di mana pada pasal 35 ayat 1 terdapat Services Sector. According to Article 35, Paragraph 1, the regulation klausul “PUJK wajib memberikan akses yang setara kepada setiap states: "PUJK is required to provide equal access to each consumer konsumen sesuai klasifikasi konsumen”. according to consumer classification." Kesetaraan Kesempatan Kerja [OJK F.18] Equal Employment Opportunity [OJK F.18] Allo Bank secara konsisten menerapkan lingkungan kerja yang adil Allo Bank consistently upholds a fair and equal working dan setara tanpa diskriminasi bagi semua karyawan, serta mendukung environment, ensuring no discrimination among employees and keberagaman sebagai bagian dari kekuatan Bank. Komitmen tersebut embracing diversity as a key strength of the Bank. This commitment diberlakukan sejak proses rekrutmen dan berlaku untuk semua is implemented from the recruitment process and applies to all karyawan existing, baik terkait dengan pelatihan dan pengembangan employees, covering training and competency development, career kompetensi, karir, remunerasi, dan sebagainya. Selaras dengan progression, remuneration, and other employment aspects. In line komitmen tersebut, Bank memberikan kesempatan yang sama dan with this commitment, the Bank provides equal opportunities for setara kepada seluruh karyawan laki-laki dan perempuan untuk both male and female employees to work, advance their careers, bekerja, meniti karier dan menempati posisi-posisi penting, termasuk and hold key positions, including top management roles. The di jajaran top management. Prinsip kesetaraan dan non-diskriminasi principles of equality and non-discrimination in employment at dalam kesempatan kerja di Allo Bank diatur melalui regulasi internal Allo Bank are regulated through internal policies, including the yaitu Code of Conduct dan Peraturan Perusahaan. Code of Conduct and Company Regulations. Penerapan kesetaraan kesempatan bekerja di Allo Bank selaras The implementation of equal employment opportunities at Allo dengan spirit Pasal 28 I ayat (2) Undang-Undang Dasar Negara Bank aligns with Article 28I, paragraph (2) of the 1945 Constitution Republik Indonesia Tahun 1945, yaitu: “Setiap orang berhak bebas of the Republic of Indonesia, which states: "Everyone has the right dari perlakuan yang bersifat diskriminatif atas dasar apapun dan to be free from discriminatory treatment on any basis and has the berhak mendapatkan perlindungan terhadap perlakuan yang right to receive protection against such discriminatory treatment." bersifat diskriminatif itu.” Selain itu, juga sesuai dengan Undang- Additionally, this commitment complies with Law No. 7 of 1984 Undang Republik Indonesia No. 7 Tahun 1984 tentang Pengesahan concerning the Ratification of the Convention on the Elimination Konvensi Mengenai Penghapusan Segala Bentuk Diskriminasi of All Forms of Discrimination Against Women and Presidential terhadap Wanita (Convention On The Elimination Of All Forms Of Instruction No. 9 of 2000 regarding Gender Mainstreaming in Discrimination Against Women), serta Instruksi Presiden Republik National Development. Indonesia No. 9 Tahun 2000 tentang Pengarusutamaan Gender dalam Pembangunan Nasional. Tenaga Kerja Anak dan Kerja Paksa [OJK F.19] Child Labor and Forced Labor [OJK F.19] Tenaga kerja anak dan kerja paksa merupakan pelanggaran hak Child labor and forced labor are human rights violations that must asasi manusia yang harus dihapuskan. Sejalan dengan spirit be eliminated. In line with this principle, Allo Bank strictly regulates tersebut, maka Allo Bank menetapkan secara jelas batas minimal the minimum employment age and working hours. To ensure usia karyawan dan jam kerja. Untuk usia minimal karyawan, Bank compliance, the Bank sets the minimum age for all employees, both memastikan seluruh karyawan, baik tetap maupun kontrak, telah permanent and contract, at 18 years. This is in accordance with Allo berusia di atas 18 tahun. Hal tersebut sesuai dengan kebijakan Bank’s recruitment policy, which requires candidates to have at least rekrutmen Bank, yaitu untuk pendidikan kandidat minimal SMU a high school education (or equivalent) and a minimum age of 18 (sederajat), sedangkan usia minimal 18 tahun. Adapun jam kerja yang years. The Bank’s working hours policy stipulates 8 (eight) hours per berlaku di Bank adalah 8 (delapan) jam dalam 1 (satu) hari dan 40 day and 40 (forty) hours per week, following a 5-day workweek. (empat puluh) jam dalam 1 (satu) minggu untuk 5 (lima) hari kerja This is in line with Article 77 of Law No. 13 of 2003 concerning dalam 1 (satu) minggu, sesuai dengan pasal 77 Undang-Undang Manpower, ensuring that employees have adequate rest periods. No. 13 tahun 2003 tentang Ketenagakerjaan. Dengan ketentuan Due to these strict regulations, Allo Bank has effectively prevented seperti itu, maka setiap karyawan memiliki waktu istirahat yang any instances of child labor or forced labor. cukup. Komitmen dan kepatuhan Bank terhadap regulasi tentang usia dan jam kerja karyawan membawa hasil dengan tidak adanya praktik pekerja anak dan kerja paksa. 504 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 507
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Selain merujuk pada undang-undang ketenagakerjaan, semangat In addition to complying with labor laws, the Bank’s commitment
Bank untuk turut serta menghapus pekerja anak dan kerja paksa to eliminating child and forced labor aligns with Law No. 20
sesuai dengan Undang-Undang No. 20 Tahun 1999 tentang of 1999 concerning the Ratification of ILO Convention No. 138
Pengesahan ILO Convention No. 138 Concerning Minimum Age for regarding the Minimum Age for Admission to Employment, and
Admission to Employment (Konvensi ILO Mengenai Usia Minimum Law of the Republic of Indonesia No. 1 of 2000 concerning the
untuk Diperbolehkan Bekerja), dan Undang-Undang Republik Ratification of ILO Convention No. 182 regarding the Prohibition
Indonesia No. 1 Tahun 2000 tentang Pengesahan ILO Convention and Immediate Action for the Elimination of the Worst Forms of
No. 182 Concerning The Prohibition And Immediate Action for The Child Labor. Furthermore, the implementation of working hours
Elimination of The Worst Forms of Child Labour (Konvensi ILO No. 182 with clear time limits to prevent forced labor aligns with Law No.
Mengenai Pelarangan dan Tindakan Segera Penghapusan Bentuk- 19 of 1999 regarding the Ratification of ILO Convention No. 105
Bentuk Pekerjaan Terburuk untuk Anak). Sedangkan pemberlakuan concerning the Abolition of Forced Labor.
jam kerja dengan batasan waktu yang jelas sehingga tidak terjadi kerja
paksa sejalan dengan Undang-Undang No. 19 Tahun 1999 tentang
Pengesahan ILO Convention No. 105 Concerning The Abolition of
Forced Labour (Konvensi ILO Mengenai Penghapusan Kerja Paksa).
Upah Minimum Regional [OJK F.20] Regional Minimum Wage [OJK F.20]
Pemenuhan upah minimum bukan hanya kewajiban hukum bagi Ensuring compliance with minimum wage regulations is not only a
Allo Bank, tetapi juga strategi yang penting dalam menciptakan legal obligation for Allo Bank but also a strategic initiative to foster
hubungan kerja yang harmonis, meningkatkan produktivitas, dan harmonious workplace relations, boost productivity, and sustain the
memastikan keberlanjutan perusahaan. Untuk itu, dalam pemberian company’s growth. The Bank strives to maintain fair wage standards
upah, Bank berupaya semaksimal mungkin memenuhi kriteria to motivate employees and encourage high performance. Alongside
keadilan agar memacu semangat karyawan untuk bekerja dan this, Allo Bank maintains a non-discriminatory wage system,
berprestasi. Seiring dengan itu, Bank secara konsisten mengadopsi ensuring that male and female employees receive equal treatment.
sistem pengupahan tanpa diskriminasi sehingga setiap karyawan Any wage differences are based on individual performance and
memperoleh perlakuan yang sama, baik laki-laki maupun achievements rather than gender.
perempuan. Jika terdapat perbedaan, hal itu lebih disebabkan
oleh pencapaian kinerja atau prestasi masing-masing karyawan.
Selaras dengan kepatuhan terhadap regulasi terkait upah, terkhusus In compliance with wage regulations, particularly regarding the
remunerasi bagi karyawan tetap di tingkat terendah, Bank memberikan remuneration of the lowest-level permanent employees, the
upah minimum dengan tetap memperhatikan pemenuhan kebutuhan Bank sets its minimum wage while considering the cost of living,
hidup layak. Besaran upah minimum diberikan dengan menyesuaikan inflation rates, and other key economic variables determined by
harga kebutuhan pokok, tingkat inflasi, standar kelayakan hidup, dan the government. As a result, Allo Bank ensures compliance with the
variabel lainnya, sebagaimana ditentukan oleh pemerintah. Dengan Regional Minimum Wage (UMR), including for entry-level permanent
demikian, Allo Bank memastikan telah memenuhi ketentuan Upah employees, and even offers wages above the UMR, particularly
Minimum Regional (UMR), termasuk bagi karyawan tetap level terendah, in DKI Jakarta. The Bank's determination of minimum wages for
bahkan dengan memberikan upah yang lebih tinggi dibanding UMR, entry-level permanent employees in 2024 refers to Government
seperti upah karyawan di DKI Jakarta. Terkhusus pemberian upah Regulation (PP) No. 51 of 2023, which amends Government
karyawan tetap level terendah pada tahun 2024, Bank merujuk pada Regulation No. 36 of 2021 concerning Wages, regulating the 2024
Peraturan Pemerintah (PP) No. 51 Tahun 2023 tentang Perubahan atas Provincial Minimum Wage (UMP).
Peraturan Pemerintah No. 36 Tahun 2021 tentang Pengupahan, yang
di dalamnya mengatur tentang Upah Minimum Provinsi (UMP) 2024.
Komitmen Bank memberikan kesetaraan upah tanpa memandang The Bank's commitment to providing equal pay regardless of
gender merupakan implementasi undang-undang ketenagakerjaan, gender aligns with labor laws and ILO Convention No. 100/1951
serta Konvensi ILO No. 100/1951 tentang Pengupahan yang Sama bagi on Equal Remuneration for Men and Women Workers for Work
Pekerja Laki-laki dan Wanita untuk Pekerjaan yang Sama Nilainya (Equal of Equal Value.
Remuneration for Men and Women Workers for Work of Equal Value).
Lingkungan Kerja yang Layak dan Aman [OJK F.21] Decent and Safe Working Environment [OJK F.21]
Lingkungan kerja yang layak dan aman sesuai kaidah Keselamatan A decent and safe working environment, in compliance with
dan Kesehatan Kerja (K3) merupakan pondasi penting bagi Allo Occupational Safety and Health (OHS) regulations, is a crucial
Bank dalam menjalankan usaha. Bank meyakini bahwa penciptaan foundation for Allo Bank in running its business. The Bank
lingkungan kerja terbaik akan membuat karyawan bekerja dengan believes that fostering the best possible working environment
2024 Annual Report & Sustainability Report
505
Page 508
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan tenang dan nyaman tanpa khawatir terjadi kecelakaan atau penyakit allows employees to work with a sense of security and comfort, akibat kerja. Upaya yang dilakukan Bank untuk menghindari risiko free from concerns about workplace accidents or occupational kecelakaan kerja antara lain menyusun layout kantor dengan baik illnesses. To mitigate the risk of workplace accident, the Bank has dan menggunakan peralatan-peralatan yang ergonomis. Seiring taken several measures, including optimizing office layouts and dengan itu, Bank juga menyediakan sarana dan prasarana K3, utilizing ergonomic equipment. Additionally, the Bank provides termasuk apabila terjadi kondisi darurat. Sarana dan prasarana OHS facilities and infrastructure, particularly for emergencies. tersebut antara lain alat deteksi asap, alat pemadam api ringan, These include smoke detectors, fire extinguishers, hydrants, first hydrant, kotak Pertolongan Pertama pada Kecelakaan (P3K), tempat aid kits (P3K), places of worship, parking spaces, 24-hour security, ibadah, ruang parkir, keamanan 24 jam, dan lain-lain. and other essential safety features. Selaras dengan upaya memberikan kenyamanan kerja bagi In line with efforts to ensure a comfortable working environment karyawan yang bekerja di kantor, Perseroan juga menyelenggarakan for office-based employees, the Bank also implements various berbagai program perlindungan bagi karyawan yang bekerja di protection programs for field employees. In addition to offering lapangan. Selain memberikan pelatihan K3 yang relevan, termasuk relevant OHS training, including risk mitigation strategies and strategi mitigasi risiko dan prosedur tanggap darurat, Bank juga emergency response procedures, the Bank provides insurance menyediakan asuransi yang melindungi dari risiko kecelakaan di coverage against potential workplace accidents occurring outside luar kantor. the office. Lebih lanjut, untuk menumbuhkan budaya K3, Bank juga secara Furthermore, to cultivate a strong OHS culture, the Bank kontinu melakukan sosialisasi K3. Komitmen dan berbagai upaya continuously raises awareness through various initiatives. Its dalam mengedepankan keselamatan dan kesehatan kerja membawa commitment to prioritizing OHS has yielded positive results, with hasil dengan tidak adanya kecelakaan kerja dan penyakit akibat no recorded workplace accidents or occupational illnesses at Allo kerja di Allo Bank selama tahun 2024 . Bank throughout 2024. Pelatihan dan Pengembangan Kemampuan Karyawan Employee Training and Development [OJK F.22] [OJK F.22] Allo Bank secara berkesinambungan menyelenggarakan pelatihan Allo Bank continuously provides training and education to enhance dan pendidikan untuk mengembangkan kompetensi pegawai employee competencies, ensuring they can perform their duties sehingga mereka mampu menjalankan tugas dan tanggung jawab and responsibilities optimally. These development programs are secara maksimal. Kegiatan tersebut menjadi fokus karena sebagai a priority, as the Bank, operating as a digital-based conventional bank umum berbasis digital, Bank memerlukan pegawai dengan bank, requires employees with specialized qualifications in digital kualifikasi dan kompetensi yang spesifik di bidang bisnis digital business and information technology. The targeted competency dan teknologi informasi. Adapun aspek kompetensi yang menjadi development areas are aligned with employees' strengths (strength- target pengembangan disesuaikan dengan kekuatan pegawai based development) and the Bank's strategic business direction. (strength-based development) dan arahan bisnis Bank. Selain program pengembangan kepemimpinan, Bank juga Beyond leadership development programs, the Bank also initiates, akan membuat, menyelenggarakan dan ikut dalam program organizes, and participates in technical development programs, pengembangan teknis, khususnya di bidang teknologi informasi particularly in information and digital technology, cybersecurity, dan digital, cyber security, data analytics, dan digital marketing. Bank data analytics, and digital marketing. The Bank strongly supports mendukung pengembangan personal dan profesional pegawai employees’ personal and professional development, encouraging untuk mempelajari hal baru sesuai minat dan kompetensi yang them to explore new areas aligned with their interests and expertise. dimiliki. Pelaksanaan program yang dilakukan akan menggunakan These programs are delivered through various effective learning metode yang efektif, seperti pembelajaran virtual, electronic, methods, including virtual, electronic, and face-to-face training maupun tatap muka. sessions. Selama tahun 2024, Bank telah menyelenggarakan pengembangan Throughout 2024, the Bank conducted 179 competency kompetensi sebanyak 179 program, yang diikuti oleh 439 pegawai development programs, attended by 439 employees—representing atau 93% dari total pegawai dengan jumlah jam pelatihan sebanyak 93% of the total workforce, with a cumulative total of 1,472 training 1.472 jam. Adapun biaya pengembangan kompetensi tercatat hours. The total investment in competency development amounted sebesar Rp4,853 miliar naik dibandingkan tahun 2023, yang to IDR4.853 billion, marking an increase from IDR3.886 billion in mencapai Rp3,886 miliar. Rekapitulasi program pengembangan 2023. A comprehensive summary of the competency development kompetensi dan rerata jam pelatihan pegawai selengkapnya programs and the average employee training hours is presented disajikan dalam tabel berikut: in the following table: 506 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 509
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Rata-rata Jam Pelatihan
Jumlah Pekerja yang Jam Pelatihan Setiap Pekerja
Memperoleh Pelatihan
Uraian Number of Employees Received Training
Training Hours Average Training Hours for Each
Description Employee
2024 2023 2022 2024 2023 2022 2024 2023 2022
Keseluruhan 439 366 930 1.468 1.293 5.649 3,3 3,5 6,1
Total
Berdasarkan Kategori Jabatan Karyawan
Based on employee position category
Manajemen 38 39 329 324 305 1.726 8,5 7,8 5,2
Management
Staf 401 327 601 1.144 994 3.923 2,8 3,0 6,5
Staff
Dampak Operasi terhadap Masyarakat Sekitar [OJK F.23] Impact of Operations on the Surrounding Community
[OJK F.23]
Allo Bank memilih pendekatan operasional sebagai bank umum Allo Bank has adopted an operational approach as a digital-based
berbasis digital untuk merespons pesatnya perkembangan dunia conventional bank to keep pace with the rapid development of the
digital. Sejalan dengan itu, Bank telah menetapkan visi dan misi digital world. In line with this, the Bank has established a vision and
yang disetujui oleh Dewan Komisaris dan Direksi sebagai panduan mission, approved by the Board of Commissioners and Directors,
untuk mencapai kinerja yang optimal. Dengan berpedoman pada to serve as a guide for achieving optimal performance. By adhering
visi dan misi tersebut, seluruh kegiatan operasional Bank tidak to this vision and mission, the Bank ensures that its operational
menimbulkan dampak negatif bagi masyarakat sekitar. activities do not negatively impact the surrounding community.
Sebaliknya, keberadaan Bank justru memberikan manfaat positif On the contrary, the Bank's presence provides significant benefits
bagi masyarakat diantaranya menyediakan lapangan kerja dan to the community, including job creation and opportunities for
kesempatan untuk menjadi pemasok barang dan jasa. Dampak individuals and businesses to become suppliers of goods and
positif yang lain, masyarakat mendapat manfaat atas pelaksanaan services. Another positive impact comes from the various Social and
berbagai program Tanggung Jawab Sosial dan Lingkungan (TJSL) Environmental Responsibility (TJSL) programs carried out through
yang diimplementasikan dalam bentuk kegiatan Corporate Social Corporate Social Responsibility (CSR) initiatives. Furthermore, as
Responsibility (CSR). Lebih lanjut, sebagai bank umum berbasis digital, a digital-based conventional bank, Allo Bank’s operations do not
operasional Allo Bank tidak memiliki dampak langsung terhadap have a direct environmental impact. Consequently, no complaints
lingkungan. Oleh karena itu, tidak ada pengaduan terkait masalah related to environmental issues were reported to the Bank during
lingkungan yang ditujukan kepada Bank selama tahun pelaporan. the reporting year.
Pengaduan Masyarakat [OJK F.24] Public Complaints [OJK F.24]
Kepatuhan terhadap regulasi merupakan spirit yang dipegang Allo Compliance with regulations is a core principle upheld by Allo Bank
Bank dalam menjalankan usaha sehingga operasional usahanya to ensure that its business operations do not negatively impact
tidak berdampak negatif bagi masyarakat dan lingkungan. Walau society or the environment. However, as part of its responsibility
demikian, sebagai bentuk pemenuhan tanggung jawab kepada to the community, Allo Bank remains open to receiving complaints
masyarakat, Allo Bank tetap membuka diri terhadap kemungkinan from the public and other stakeholders, including customers,
adanya pengaduan dari masyarakat dan pemangku kepentingan who may be affected by its operations. The Bank is committed
yang lain, termasuk nasabah, yang terdampak oleh operasional to addressing and resolving complaints promptly. Those wishing
Bank dan berkomitmen untuk menyelesaikan pengaduan tersebut to submit complaints regarding the Bank’s operations can do so
secepatnya. Pihak-pihak yang hendak menyampaikan pengaduan by visiting its operational office or using the following channels:
atas operasional bisa datang secara langsung ke kantor operasional
Bank atau memanfaatkan saluran berikut:
Telepon: (+62 21) 7990671, 79184705, 79182387 Telephone: (+62 21) 7990671, 79184705, 79182387
Faksimile: (+62 21) 3841022, 3851023 Facsimile: (+62 21) 3841022, 3851023
Email: corsec@allobank.com Email: corsec@allobank.com
Website: www.allobank.com Website: www.allobank.com
2024 Annual Report & Sustainability Report
507
Page 510
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Selama tahun 2024, Bank menerima pengaduan sebanyak 19.335 During 2024, the Bank received a total of 19,335 complaints,
kasus, naik dibandingkan tahun 2023 yang mencapai 13.375 kasus. representing an increase compared to 2023, which recorded 13,375
Topik pengaduan yang masuk terbagi dalam beberapa kategori cases. The complaints were categorized into several topics, including
yaitu Kartu ATM/Debit/Mesin ATM, Electronic Banking dan Sistem ATM/Debit Cards/ATM Machines, Electronic Banking and Other
Pembayaran Lainnya (Transfer Dana), dan semuanya (99,91%) telah Payment Systems (Fund Transfers), all of which (99.91%) were followed
ditindaklanjuti sesuai Standard Operating Procedure yang berlaku. up in accordance with the applicable Standard Operating Procedure.
Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL) Corporate Social and Environmental Responsibility
[OJK F.25] Activities [OJK F.25]
Allo Bank menyelenggarakan Program TJSL/CSR sebagai jembatan Allo Bank implements the TJSL/CSR Program as a means of fostering
antara Bank dengan masyarakat. Melalui program tersebut, Bank relationships with the community. Through this program, the Bank
tidak hanya berkontribusi pada peningkatan kualitas hidup dan not only contributes to improving quality of life and empowering
pemberdayaan masyarakat, tetapi juga memperkuat reputasi communities but also enhances its reputation and strengthens public
dan kepercayaan publik terhadap Bank. Dalam era digital yang trust. In the ever-evolving digital era, CSR initiatives enable Allo
terus berkembang, program CSR membantu Allo Bank untuk Bank to demonstrate its commitment to social and environmental
menunjukkan komitmennya terhadap tanggung jawab sosial dan responsibility, attracting investors and customers who value social
lingkungan, yang pada gilirannya dapat menarik minat investor and environmental impacts.
dan nasabah yang peduli terhadap dampak sosial dan lingkungan.
CSR juga merupakan bentuk komitmen Allo Bank kepada lingkungan CSR is also a reflection of Allo Bank’s commitment to environmental
dengan tujuan untuk berperan serta dalam pembangunan responsibility, supporting sustainable development in line with the
berkelanjutan selaras dengan prinsip Triple Bottom Line yaitu Triple Bottom Line principle: People, Planet, and Profit (3P). By doing
People, Planet, Profit (3P) serta memberikan nilai tambah kepada so, the Bank provides added value to all stakeholders, including its
semua pemangku kepentingan, termasuk internal perusahaan internal workforce, to support long-term business growth.
guna mendukung pertumbuhan Bank.
Di Allo Bank, CSR didefinisikan sebagai tanggung jawab atas At Allo Bank, CSR is defined as the Bank’s responsibility for the
dampak dari keputusan dan aktivitasnya pada masyarakat dan impact of its decisions and activities on society and the environment
lingkungan melalui perilaku yang transparan dan beretika yang through transparent and ethical behavior. The objectives of Allo
bertujuan untuk: Bank’s CSR initiatives include:
1. Membangun citra dan reputasi Bank yang dapat meningkatkan 1. Enhancing the Bank’s image and reputation to strengthen
kepercayaan kepada Allo Bank. public trust.
2. Membangun hubungan yang harmonis dengan segenap 2. Building and maintaining harmonious relationships with all
pemangku kepentingan. stakeholders.
3. Menumbuhkan positive value karyawan terhadap Allo Bank. 3. Cultivating employee positive value towards Allo Bank.
4. Konsisten dengan pembangunan berkelanjutan (sustainable 4. Aligning with sustainable development and community welfare.
development) dan kesejahteraan masyarakat.
5. Mematuhi peraturan dan ketentuan yang berlaku. 5. Complying with all applicable laws and regulations.
Allo Bank terus berupaya memaksimalkan manfaat atas keberadaan Allo Bank continuously seeks to maximize the positive impact of
Bank di tengah masyarakat melalui berbagai program CSR di bawah its presence in the community through various CSR initiatives
branding “Allo Bank Pelita”, termasuk program kerja sama dengan under the "Allo Bank Pelita" branding. One of the key initiatives
CT Arsa Foundation untuk semakin memperkuat dampak sosial includes a collaboration with the CT Arsa Foundation to further
kepada semua stakeholders. Pelaksanaan CSR sekaligus merupakan amplify the Bank’s social impact across its stakeholder network.
dukungan Bank terhadap 17 Tujuan Pembangunan Berkelanjutan Additionally, these CSR programs reflect Allo Bank’s support for the
(TPB) atau Sustainable Development Goals (SDGs) yang saat ini 17 Sustainable Development Goals (SDGs) set by the government.
sedang dilaksanakan pemerintah. Kolaborasi program CSR pada The CSR collaborations undertaken in 2024 and their alignment
tahun 2204 dan dukungan terhadap TPB/SDGs selengkapnya with the SDGs are as follows:
adalah sebagai berikut:
1. Gerakan Berbagi Pangan dan Sembako (“Gebrag”) berupa 1. Food and Grocery Sharing Movement ("Gebrag"). This initiative
penyediaan paket sembako dan menu makanan gratis untuk provides free food packages and meals to improve nutrition
meningkatkan nutrisi dan memenuhi gizi masyarakat pra- and meet the dietary needs of underprivileged individuals in
sejahtera di daerah sekitar Jabodetabek saat berbuka puasa the Jabodetabek area during Ramadan 2024. This program
selama bulan Ramadhan 2024. Program ini sejalan dengan aligns with SDG 3: Good Health and Well-being.
TPB ke-3 Kesehatan yang Baik dan Kesejahteraan;
508 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 511
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
2. Inisiasi untuk program PIJAR sebagai gerakan mengajar di 2. Initiation of the PIJAR Program. A teaching movement
berbagai sekolah di daerah-daerah pelosok Indonesia yang implemented in various schools located in remote areas of
dilakukan secara berkala dengan masa pengabdian selama Indonesia. Conducted on a one-year service cycle, this program
satu tahun. Dalam hal ini, Allo Bank Pelita bekerja sama dan aims to enhance student motivation and teacher capacity in
mendukung program PIJAR CT Arsa Foundation tahun 2024 literacy and numeracy while raising community awareness about
dan program tersebut akan terus berjalan di sepanjang tahun education. Allo Bank Pelita collaborates with and supports the
2025. Program yang selaras dengan TPB ke-4 Pendidikan PIJAR CT Arsa Foundation initiative, which began in 2024 and
Bermutu ini bertujuan untuk meningkatkan motivasi siswa dan will continue through 2025. This program aligns with SDG 4:
kapasitas guru dalam bidang literasi dan numerasi, sekaligus Quality Education.
membangun kepedulian masyarakat terhadap hal tersebut.
Program ini.
3. Program kebun hidroponik pada tiga lokasi di sekitar Rumah 3. Hydroponic Garden Program – Launched in the second
Inspirasi CT Arsa di Kamal, Jakarta Barat. Program CSR berjalan half of 2024 at three locations around CT Arsa Inspiration
sejak semester II tahun 2024 dan akan terus berjalan pada House in Kamal, West Jakarta, this program began in the
tahun 2025. Program ini bertujuan untuk meningkatkan gizi, second half of 2024 and will continue into 2025. It aims to
mendukung ketahanan pangan dan memberdayakan ekonomi improve nutrition, support food security, and empower the local
masyarakat pra-sejahtera di sekitar lokasi Rumah Inspirasi, economy of underprivileged communities while promoting
sekaligus untuk menjaga lingkungan melalui kegiatan menanam environmental sustainability through hydroponic farming.
hidroponik, dan mengajak anak-anak untuk menyukai dan Additionally, it encourages children to grow and consume their
mengkonsumsi sayur-sayuran yang ditanam sendiri. Program ini own vegetables. This program aligns with SDG 3: Good Health
mendukung TPB ke-3 Kesehatan yang baik dan kesejahteraan, and Well-being, SDG 8: Decent Work and Economic Growth,
TPB ke-8 Pekerjaan layak dan pertumbuhan ekonomi, serta and SDG 12: Responsible Consumption and Production.
TPB ke-12 Konsumsi dan produksi yang bertanggung jawab.
Inovasi dan Pengembangan Produk/Jasa Keuangan Innovation and Development of Sustainable Financial
Berkelanjutan [OJK F.26] Products and Services [OJK F.26]
Allo Bank memahami bahwa kebutuhan nasabah selalu berubah Allo Bank recognizes that customer needs continue to evolve
seiring dengan perkembangan zaman. Oleh karena itu, untuk with the times. Therefore, to remain competitive and ahead in the
tetap kompetitif dan unggul dalam persaingan, penting bagi Bank industry, it is crucial for the Bank to continuously innovate and
untuk terus melakukan inovasi serta mengembangkan produk dan develop its products and services in a sustainable manner. The
layanan secara berkelanjutan. Upaya inovasi dan pengembangan Bank’s innovation and development efforts extend beyond products
yang dilakukan oleh Bank tidak hanya terbatas pada produk dan and services to include marketing strategies and various other areas.
layanan, tetapi juga mencakup aspek pemasaran dan berbagai
bidang lainnya.
Untuk mewujudkan keseriusan Bank dalam melakukan inovasi To demonstrate its commitment to continuous innovation and
secara terus-menerus dan memastikan bahwa setiap proses bisnis ensure that all business processes utilizing information technology
yang menggunakan teknologi informasi berjalan dengan baik, run smoothly, securely, and sustainably, the Bank conducted a
terkontrol, dan berkelanjutan, pada tahun 2024, Bank melakukan COBIT 2019 assessment in 2024, achieving an IT Maturity Level
assessment COBIT 2019 dan memperoleh nilai Tingkat Maturitas TI score of 4.21. This achievement reflects the Bank's dedication to
di level 4,21. Keberhasilan tersebut menjadi pemenuhan salah satu implementing the highest standards of information technology
komitmen dan dedikasi Bank dalam menerapkan standar terbaik governance.
dalam tata kelola teknologi informasi.
Tak kalah penting adalah pengembangan infrastruktur Equally important is the development of sustainable information
teknologi informasi secara berkelanjutan dimana Allo Bank telah technology infrastructure. Allo Bank has successfully completed the
menyelesaikan pembangunan Data Center baru sebagai jantung construction of a new Data Center, which serves as the backbone of
utama dari operasional layanan Bank dengan layanan berbasis the Bank's digital application-based service operations. To anticipate
aplikasi digital. Untuk mengantisipasi tuntutan pengembangan future demands for innovation and service expansion, and in line
inovasi dan layanan ke depan, sesuai dengan harapan dari para with stakeholder expectations, the Data Center has been designed
stakeholders maka dibutuhkan Data Center dengan kesiapan with Scalability, Availability, Reliability, Security, and Environmentally
Skalabilitas, Ketersediaan, Keandalan, Keamanan, serta sumber friendly resources in mind. This infrastructure allows Allo Bank to
daya yang ramah lingkungan. Hal tersebut menuntut Allo Bank independently manage its Data Center while achieving superior
untuk dapat mengelola Data Center secara independen dalam operational capabilities.
mencapai kapabilitas operasional yang unggul dimaksud.
2024 Annual Report & Sustainability Report
509
Page 512
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Data Center baru Allo Bank mulai dibangun pada Mei 2023 dan Construction of the new Data Center began in May 2023 and was selesai pada April 2024. Pembangunan fisik selesai pada Desember completed in April 2024. The physical construction was finished in 2023, diikuti dengan Sertifikasi TIA Rated-3 pada Februari 2024. December 2023, followed by TIA Rated-3 Certification in February Kemudian dilanjutkan dengan pengadaan perangkat utama Data 2024. Subsequently, the Bank procured key Data Center equipment, Center yang terdiri dari perangkat server, jaringan, dan security. including servers, network infrastructure, and security devices. Pada akhirnya, fasilitas infrastruktur TI ini diresmikan oleh Chairman Finally, this advanced IT infrastructure was officially inaugurated CT Corp pada 17 Mei 2024. by the Chairman of CT Corp on May 17, 2024. Infrastruktur Data Center yang baru dirancang dengan arsitektur The new Data Center infrastructure is designed with an architecture yang memenuhi standar internasional tertinggi. Selain arsitektur, that meets the highest international standards. Security is also a top keamanan juga menjadi prioritas Bank, dengan pemisahan antara priority, with a clear separation between core system environments, lingkungan core system dengan surrounding system dan development supporting systems, and development systems to enhance security system untuk meningkatkan keamanan dan keandalan layanan. and service reliability. The Bank’s infrastructure is built to support Perangkat-perangkat yang ada saat ini disiapkan untuk mendukung business growth, with the capacity to serve up to 15 million perkembangan bisnis hingga 15 juta pelanggan di masa depan. customers in the future. Inovasi lain, pada tahun 2024, Allo Bank merilis produk baru berupa In addition, in 2024, Allo Bank introduced new financial products, Rekening Dana Nasabah, Virtual Account dan Virtual Debit Card. including Customer Fund Accounts, Virtual Accounts, and Virtual Sementara itu, di bidang pemasaran, Bank terus mengembangkan Debit Cards. In the marketing sector, the Bank continues to refine its strategi dan berupaya menjalin kemitraan strategis dengan berbagai strategies and actively pursues strategic partnerships with leading ekosistem terkemuka lainnya melalui penerapan model Open financial and digital ecosystems. Through the implementation Banking dalam upaya mengembangkan ekosistem digital dan of the Open Banking model, the Bank is working to develop a meningkatkan nilai layanan finansial yang disediakan oleh Bank comprehensive digital ecosystem and enhance the value of its secara contextual, terutama untuk sektor-sektor yang dekat dengan financial services, particularly in sectors closely integrated into aspek-aspek kehidupan nasabah. customers' daily lives. Kerahasiaan Data Nasabah Customer Confidentiality Kerahasiaan data nasabah adalah salah satu hak fundamental yang Protecting customer data confidentiality is one of Allo Bank’s selalu dijaga oleh Allo Bank. Dalam hal ini, penggunaan data atau fundamental commitments. The use of customer data or information informasi yang berkaitan dengan nasabah hanya dapat dilakukan is strictly governed by applicable laws and regulations. Safeguarding sesuai dengan ketentuan yang ditetapkan oleh peraturan dan customer information is not only a legal obligation but also a key perundang-undangan yang berlaku. Melindungi informasi nasabah factor in maintaining customer trust and protecting the Bank’s juga merupakan wujud kepercayaan yang berdampak pada reputasi reputation. This commitment aligns with Law No. 27 of 2022 Bank, sebagaimana diatur dalam Undang-Undang Republik Indonesia concerning Personal Data Protection and the Financial Services No. 27 Tahun 2022 tentang Pelindungan Data Pribadi dan Surat Edaran Authority Circular Letter No. 14/SEOJK.07/2014 concerning Security Otoritas Jasa Keuangan No. 14/SEOJK.07/2014 mengenai Kerahasiaan Consumer Personal Data and/or information. In line with data dan Keamanan Data dan/atau Informasi Pribadi Konsumen. Terkait transparency, the Bank ensures that no personal customer data dengan transparansi penggunaan data pribadi nasabah, Bank tidak is shared with third parties without the explicit written consent of akan membagikan data pribadi tersebut kepada pihak ketiga tanpa the data owner. mendapatkan persetujuan tertulis dari pemilik data. Terkait Pelindungan Data Pribadi, Bank sebagai sebuah lembaga As a financial services institution that collects and processes jasa keuangan yang menghimpun dan memproses data pribadi customer data, Allo Bank has established a Personal Data Protection nasabah telah memiliki Task Force terkait Pelindungan Data Pribadi. Task Force, comprising members from the Cyber Risk Unit, Legal Task Force yang terdiri dari Unit Risiko Siber, Unit Legal, Unit Unit, Compliance Unit, and Information Security Unit. This Task Force Kepatuhan, dan Unit Keamanan Informasi memastikan kepatuhan ensures strict compliance with Law No. 27 of 2022 on Personal terhadap implementasi dari Undang-Undang No. 27 Tahun 2022 Data Protection. To enhance its effectiveness, the Task Force has tentang Perlindungan Data Pribadi. Untuk mengukuhkan kinerjanya, conducted awareness training for employees and organized a Task Force telah melaksanakan pelatihan kesadaran terhadap workshop on documenting personal data processing (Records Pelindungan Data Pribadi untuk karyawan, serta menyelenggarakan of Processing Activity or RoPA), attended by representatives from workshop pengisian dokumentasi perekaman pemrosesan data all Bank divisions. Additionally, the Risk Assessment on Personal pribadi (Records of Processing Activity atau RoPA) yang diikuti Data Protection was carried out through a Data Protection Impact oleh semua perwakilan dari semua divisi yang ada di Bank telah Assessment (DPIA), conducted after the completion of the RoPA dilakukan. Seiring dengan itu, Risk Assessment terkait Pelindungan process across all Bank divisions. 510 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 513
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Data Pribadi dalam bentuk Data Protection Impact Assessment
(DPIA) juga dilakukan oleh Task Force Pelindungan Data Pribadi
setelah proses RoPA di masing-masing divisi selesai dilakukan.
Bank secara konsisten membangun budaya risiko terkait dengan The Bank is also committed to building a strong risk-aware culture
pengamanan dan pelindungan data nasabah melalui program regarding customer data security. It conducts regular training and
pelatihan dan kesadaran terkait keamanan informasi. Program ini awareness programs on information security, supplemented by
dilaksanakan secara periodik dan diuji dengan melakukan simulasi periodic cybersecurity threat simulations to test and strengthen
terkait ancaman keamanan siber. the Bank’s security framework.
Kesungguhan Allo Bank dalam menjaga data pelanggan membawa Allo Bank’s commitment to customer data protection has resulted in
hasil dengan tidak adanya insiden pengaduan dari nasabah maupun a zero-incident record for 2024, with no complaints from customers
dari regulator terkait pelanggaran kerahasiaan nasabah, baik berupa or regulators regarding breaches of confidentiality, data leaks, theft,
kebocoran, pencurian, atau kehilangan data nasabah. Dengan or loss of customer data. Consequently, the Bank did not receive
demikian, Bank tidak mendapat denda atau sanksi berkaitan dengan any fines or sanctions related to customer privacy violations during
pelanggaran terhadap privasi pelanggan pada tahun pelaporan. the reporting year.
Dampak Produk/Jasa [OJK F.27, F.28] Impact of Products and Services [OJK F.27, F.28]
Dampak produk dan jasa merupakan fokus bagi Allo Bank dalam The impact of products and services is a key focus for Allo Bank
menjalankan bisnis. Untuk itu, Bank senantiasa melakukan evaluasi in conducting its business. To ensure that its offerings align with
terhadap setiap produk dan layanan yang ditawarkan kepada customer needs and sustainability principles, the Bank continuously
nasabah. Selain itu, Allo Bank juga telah menyusun klasifikasi produk evaluates all products and services. Additionally, Allo Bank has
secara menyeluruh, termasuk profil risiko yang menyertainya. developed a comprehensive product classification system, including
Selanjutnya, sesuai dengan prinsip keuangan berkelanjutan dan an assessment of associated risks. In line with sustainable finance
mengacu pada Kriteria Kegiatan Usaha Berkelanjutan (KKUB) principles and referring to the Sustainable Business Activity Criteria
dalam POJK Keuangan Berkelanjutan, Bank akan menyalurkan (KKUB) outlined in the POJK Sustainable Finance regulation, the
kredit dengan menerapkan prinsip kehati-hatian, termasuk upaya Bank adheres to a prudent credit distribution approach. This
untuk mencegah risiko dan dampak negatif yang mungkin muncul. includes efforts to mitigate risks and prevent negative impacts that
Dalam penyaluran kredit yang mendukung prinsip Environmental, may arise. In supporting Environmental, Social, and Governance
Social and Governance (ESG) yang memberikan manfaat positif (ESG) principles, the Bank prioritizes financing for the MSME sector
bagi masyarakat dan lingkungan, Bank memfokuskan perhatian and environmentally conscious industries to create positive social
pada sektor UMKM dan industri yang berwawasan lingkungan. and environmental benefits. Based on these principles, throughout
Berdasarkan prinsip-prinsip tersebut, selama tahun 2024, tidak ada 2024, the Bank did not offer any products or services that had a
produk atau layanan yang ditawarkan oleh Bank yang berdampak negative impact on environmental or social aspects.
negatif terhadap aspek lingkungan dan sosial.
Kontribusi terhadap Literasi dan Inklusi Keuangan Contribution to Financial Literacy and Inclusion
Literasi dan inklusi keuangan memiliki peranan yang sangat penting Financial literacy and inclusion play a vital role in enhancing
dalam meningkatkan pemahaman masyarakat terhadap produk public understanding of financial products and services, enabling
dan layanan keuangan, serta membantu masyarakat membuat individuals to make wiser decisions in financial management.
keputusan yang lebih bijak dalam pengelolaan keuangan. Untuk itu, Recognizing this, the government mandates financial service
pemerintah menekankan peran lembaga jasa keuangan, termasuk institutions, including banks, to actively promote financial inclusion
perbankan, dalam meningkatkan inklusi keuangan melalui berbagai through various programs and initiatives. According to Financial
program dan kegiatan. Sesuai dengan Peraturan Otoritas Jasa Services Authority Regulation No. 76/POJK.07/2016 on Financial
Keuangan No. 76 /POJK.07/2016 tentang Peningkatan Literasi dan Literacy and Inclusion in the Financial Services Sector, financial
Inklusi Keuangan di Sektor Jasa Keuangan Bagi Konsumen dan/atau literacy refers to knowledge, skills, and confidence that influence
Masyarakat, literasi keuangan adalah pengetahuan, keterampilan, an individual’s behavior and decision-making in managing finances
dan keyakinan, yang mempengaruhi sikap dan perilaku untuk to achieve financial well-being. Meanwhile, financial inclusion
meningkatkan kualitas pengambilan keputusan dan pengelolaan refers to the availability of access to diverse financial institutions,
keuangan dalam rangka mencapai kesejahteraan. Adapun inklusi products, and services tailored to the needs and capabilities of the
keuangan adalah ketersediaan akses pada berbagai lembaga, community to improve their overall welfare.
produk dan layanan jasa keuangan sesuai dengan kebutuhan dan
kemampuan masyarakat dalam rangka meningkatkan kesejahteraan
masyarakat.
2024 Annual Report & Sustainability Report
511
Page 514
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Untuk mengukur indeks literasi dan inklusi keuangan masyarakat, To assess the financial literacy and inclusion index, the Financial untuk pertama kalinya Otoritas Jasa Keuangan (OJK) dan Badan Services Authority (OJK) and the Central Statistics Agency (BPS) Pusat Statistik (BPS) melakukan Survei Nasional Literasi dan Inklusi conducted the 2024 National Financial Literacy and Inclusion Keuangan (SNLIK) Tahun 2024. Hasil survei kolaborasi dua lembaga Survey (SNLIK) for the first time. The survey results, announced in yang diumumkan pada awal Agustus 2024 menyebutkan indeks early August 2024, reported a financial literacy index of 65.43% literasi keuangan masyarakat sebesar 65,43% dan inklusi keuangan and a financial inclusion index of 75.02%. 75,02%. Pengumpulan data SNLIK 2024 dilakukan pada 9 Januari-5 The SNLIK 2024 data collection took place from January 9 to Februari 2024 di 34 provinsi yang mencakup 120 kabupaten/ February 5, 2024, across 34 provinces and 120 districts/cities, kota termasuk 8 wilayah kantor OJK (1.080 blok sensus). Jumlah covering 1,080 census blocks under 8 OJK regional offices. The sampel SNLIK tahun 2024 sebanyak 10.800 responden yang survey sampled 10,800 respondents aged 15-79 years. berumur antara 15-79 tahun. OJK dan BPS menegaskan indeks literasi dan inklusi keuangan hasil OJK and BPS emphasized that the financial literacy and inclusion SNLIK 2024 tidak dapat langsung dibandingkan secara langsung index from SNLIK 2024 cannot be directly compared to the SNLIK terhadap indeks literasi dan inklusi keuangan hasil tahun 2022. 2022 results due to differences in sampling methodologies. The Sebab, metodologi sampling untuk SNLIK 2024 berbeda dengan 2024 survey used a stratified multistage cluster sampling method, SNLIK 2022. Dalam SNLIK 2024 metodologi sampling yang which provides a more comprehensive and representative measure digunakan adalah stratified multistage cluster sampling yang lebih of financial literacy and inclusion across various demographic mampu merepresentasikan tingkat literasi dan inklusi keuangan groups. In contrast, the 2022 survey used purposive sampling masyarakat secara keseluruhan. Adapun SNLIK 2022 menggunakan and simple random sampling methods, which tended to be biased metodologi purposive sampling dan simple random sampling yang toward urban and highly educated respondents. For reference, the menghasilkan sampel responden yang cenderung bias ke perkotaan 2022 SNLIK results recorded a financial literacy index of 49.68% dan kelompok masyarakat berpendidikan tinggi. Merujuk hasil and a financial inclusion index of 85.10%. SNLIK 2022, indeks literasi keuangan masyarakat tercatat sebesar 49,68%, sedangkan indeks inklusi keuangan mencapai 85,10%. Lebih lanjut, hasil SNLIK 2024 menunjukkan bahwa berdasarkan Furthermore, the results of the 2024 SNLIK indicate that, based gender, indeks literasi keuangan perempuan lebih tinggi on gender, the women’s financial literacy index is higher than the dibandingkan dengan indeks literasi keuangan laki-laki, yakni men’s financial literacy index, at 66.75% and 64.14%, respectively. masing-masing sebesar 66,75% dan 64,14%. Indeks inklusi Similarly, the women’s financial inclusion index surpasses that of keuangan perempuan juga lebih tinggi dibandingkan dengan men, standing at 76.08% compared to 73.97%. Meanwhile, based indeks inklusi keuangan laki-laki, yakni masing-masing 76,08% on village classification, the financial literacy and inclusion indexes dan 73,97%. Sementara itu, berdasarkan klasifikasi desa, indeks in urban areas are 69.71% and 78.41%, respectively, which are literasi dan inklusi keuangan wilayah perkotaan masing-masing higher than those in rural areas, at 59.25% and 70.13%, respectively. sebesar 69,71% dan 78,41%, lebih tinggi dibandingkan di wilayah perdesaan yakni masing-masing sebesar 59,25% dan 70,13%. Berdasarkan umur, kelompok 26-35 tahun, 36-50 tahun, dan From an age group perspective, the 26-35, 36-50, and 18-25 18-25 tahun memiliki indeks literasi keuangan tertinggi, yakni age groups have the highest financial literacy indexes, at 74.82%, masing-masing sebesar 74,82%, 71,72%, dan 70,19%. Sebaliknya, 71.72%, and 70.19%, respectively. In contrast, the 15-17 and 51-79 kelompok umur 15-17 tahun dan 51-79 tahun memiliki indeks literasi age groups record the lowest financial literacy indexes, at 51.70% keuangan terendah, yakni masing-masing sebesar 51,70% dan and 52.51%, respectively. Similarly, the 26-35, 36-50, and 18-25 age 52,51%. Kemudian, kelompok umur 26-35 tahun, 36-50 tahun, groups exhibit the highest financial inclusion indexes, at 84.28%, dan 18-25 tahun memiliki indeks inklusi keuangan tertinggi, yakni 81.51%, and 79.21%, respectively. However, the 15-17 and 51-79 masing-masing sebesar 84,28%, 81,51%, dan 79,21% Namun age groups have the lowest financial inclusion indexes, at 57.96% demikian, kelompok umur 15-17 tahun dan 51-79 tahun memiliki and 63.53%, respectively. indeks inklusi keuangan terendah, yakni masing-masing sebesar 57,96% dan 63,53%. Sebagai bentuk kepatuhan dalam memenuhi kewajiban Bank In compliance with POJK No. 3 of 2023 concerning Increasing sebagaimana terlampir dalam POJK No. 3 Tahun 2023 tentang Literacy and Financial Inclusion in the Financial Services Sector for Peningkatan Literasi dan Inklusi Keuangan di Sektor Jasa Keuangan Consumers and the Community in the Financial Services Sector and Bagi Konsumen dan Masyarakat dan POJK No. 22 Tahun 2023 POJK No. 22 of 2023 concerning Consumer and Public Protection 512 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 515
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
tentang Pelindungan Konsumen dan Masyarakat di Sektor Jasa in the Financial Services Sector, Allo Bank has implemented various
Keuangan, Allo Bank telah menyelenggarakan berbagai program programs to promote financial literacy and inclusion throughout
kegiatan untuk pelaksanaan literasi dan inklusi keuangan di 2024. One of the flagship initiatives is "Allo Goes to Campus," a
sepanjang tahun 2024. Kegiatan tersebut di antaranya program program designed to enhance financial literacy among university
Allo Goes to Campus yang merupakan bentuk pelaksanaan literasi students. Under this initiative, the Bank conducts campus visits and
keuangan kepada lembaga pendidikan perguruan tinggi. Melalui organizes face-to-face educational sessions as part of university
program ini, Bank mengunjungi perguruan tinggi atau lokasi events or in collaboration with academic institutions.
diselenggarakannya acara dan memberikan literasi keuangan
dalam bentuk kegiatan sosialisasi secara tatap muka dalam mengisi
rangkaian atau acara yang diselenggarakan oleh kampus atau
kolaborasi kegiatan dengan Bank pada acara tertentu.
Pelaksanaan literasi dan inklusi keuangan juga diselenggarakan The implementation of financial literacy and inclusion is also
melalui kolaborasi company visit oleh perguruan tinggi sebagai carried out through collaborations with universities, which conduct
rangkaian kegiatan dari Allo Goes to Campus, yang sudah berjalan company visits as part of the Allo Goes to Campus initiative, a
sejak tahun 2022. Pelaksanaan program ini merupakan bentuk program that has been running since 2022. This program reflects
komitmen dan kepedulian Bank agar masyarakat Indonesia dan the Bank's commitment to ensuring that Indonesians, particularly
kalangan muda lebih melek dan mendapatkan pengetahuan yang young people, become more financially literate and acquire the
tepat mengenai literasi keuangan. Selanjutnya, Bank juga rutin right knowledge about financial management. Additionally, the
memberikan edukasi keuangan melalui sosialisasi dan edukasi Bank regularly provides financial education through public outreach
untuk publik atau umum melalui segmen pada beberapa program initiatives, including segments on economic and financial programs
ekonomi atau keuangan termasuk siniar dan televisi seperti segmen such as the Money Talks segment on CNBC TV Indonesia and the
Money Talks oleh CNBC TV Indonesia dan segmen Inovasi Digital Digital Innovation segment on SWA Media’s podcast broadcasts. The
dalam siaran siniar oleh SWA Media. Bank juga memberikan literasi Bank also supports financial literacy efforts through various activities
keuangan dalam beberapa kegiatan yang diselenggarakan oleh organized by the OJK Institute. Beyond in-person programs, the
OJK Institute. Selain program dengan kegiatan tatap muka, Bank Bank consistently delivers financial education online through social
juga secara rutin memberikan edukasi keuangan secara daring media, allowing for broader accessibility and outreach.
melalui media sosial untuk jangkauan yang lebih luas.
Jumlah Produk/Jasa yang Ditarik Kembali [OJK F.29] Number of Products and Services Recalled [OJK F.29]
Selama tahun 2024, tidak ada produk/jasa Bank yang ditarik kembali Throughout 2024, no products/services of the Bank were withdrawn
dari pasar dengan alasan apapun. from the market for any reason.
Survei Kepuasan Nasabah terhadap Produk dan/atau Customer Satisfaction Survey on Sustainable Financial
Jasa Keuangan Berkelanjutan [OJK F.30] Products and Services [OJK F.30]
Survei kepuasan nasabah memiliki peran penting bagi Allo Bank Customer satisfaction surveys play a crucial role for Allo Bank in
dalam meningkatkan kualitas produk dan layanan yang ditawarkan. enhancing the quality of its products and services. Through these
Melalui survei ini, Bank dapat memahami kebutuhan, harapan, surveys, the Bank gains valuable insights into customer needs,
dan pengalaman nasabah, termasuk tantangan yang mereka expectations, and experiences, including any challenges they face
hadapi dalam mengakses produk dan layanan Allo Bank. Lebih in accessing Allo Bank’s products and services. This information
lanjut, informasi tersebut menjadi dasar yang kuat bagi Bank untuk serves as a strong foundation for the Bank to develop service
merancang strategi peningkatan pelayanan, mengembangkan produk improvement strategies, introduce more relevant products, and
yang lebih relevan, serta memastikan bahwa setiap program yang ensure that every program implemented has a meaningful and
dijalankan benar-benar memberikan dampak positif bagi nasabah. positive impact on customers.
Merujuk hasil survei tahun 2024, sebanyak 78,56% nasabah According to the 2024 survey results, 78.56% of customers
menyatakan puas dengan produk dan layanan Allo Bank, sedikit expressed satisfaction with Allo Bank’s products and services,
menurun 1,67% dibandingkan tahun 2023 dengan skor kepuasan reflecting a slight decrease of 1.67% compared to 2023, when
nasabah (customer satisfaction score) sebesar 80,23%. Pengukuran the customer satisfaction score was 80.23%. The measurement
tingkat kepuasan nasabah terdiri dari berbagai aspek, seperti of customer satisfaction levels is based on several key aspects,
ketersediaan produk dan fitur, kemudahan penggunaan aplikasi, including product and feature availability, ease of application usage,
keamanan transaksi dan respons layanan pelanggan yang tanggap. transaction security, and responsiveness of customer service.
2024 Annual Report & Sustainability Report
513
Page 516
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Verifikasi Tertulis dari Written Verification from an
Pihak Independen Independent Party [POJK G.1]
Laporan Keberlanjutan ini belum diverifikasi oleh This Sustainability Report has not been verified
Penyedia Jasa Assurance (Assurance Services by an independent assurance services provider.
Provider) yang independen. Namun demikian, However, PT Allo Bank Indonesia Tbk ensures
PT Allo Bank Indonesia Tbk menjamin bahwa that all information disclosed in this report is
seluruh informasi yang diungkapkan dalam true, accurate, and factual.
laporan ini adalah benar, akurat, dan faktual.
514 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 517
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Lembar
Umpan Balik Feedback Sheet [POJK G.2]
Terima kasih kepada Bapak/Ibu/Saudara yang telah Thank you for reading the 2023 Sustainability Report of
membaca Laporan Keberlanjutan PT Allo Bank Indonesia PT Allo Bank Indonesia Tbk. To improve the quality of the
Tbk Tahun 2024. Untuk meningkatkan kualitas isi Laporan contents of the Sustainability Report in the coming years,
Keberlanjutan pada tahun-tahun mendatang, kami it is our hope that you will fill out this Feedback Sheet by
berharap Bapak/Ibu/Saudara bersedia untuk mengisi circling any one answer and fill in the blanks provided,
Lembar Umpan Balik ini dengan melingkari salah satu then send it to us.
jawaban dan mengisi titik-titik yang tersedia, kemudian
mengirimkannya kepada kami.
1. Laporan Keberlanjutan ini sudah memberikan informasi 1. This Sustainability Report has provided clear information
yang jelas mengenai kinerja ekonomi, sosial dan regarding the economic, social and environmental
lingkungan yang dilakukan oleh Bank: performance carried out by the Bank:
a. Setuju | Agree b. Tidak Setuju | Don’t agree c. Tidak tahu | Don’t know
2. Laporan Keberlanjutan ini sudah memberikan informasi 2. This Sustainability Report has provided clear
yang jelas mengenai pemenuhan tanggung jawab information regarding the fulfillment of the Bank’s
sosial dan lingkungan Bank: social and environmental responsibilities:
a. Setuju | Agree b. Tidak Setuju | Don’t agree c. Tidak tahu | Don’t know
3. Materi dan data dalam Laporan Keberlanjutan ini 3. The material and data in this Sustainability Report are
mudah dimengerti dan dipahami. easy to understand.
a. Setuju | Agree b. Tidak Setuju | Don’t agree c. Tidak tahu | Don’t know
4. Materi dan data dalam Laporan Keberlanjutan ini sudah 4. The material and data in this Sustainability Report are
cukup lengkap. quite comprehensive.
a. Setuju | Agree b. Tidak Setuju | Don’t agree c. Tidak tahu | Don’t know
5. Apakah desain, tata letak, grafis dan foto-foto dalam 5. Are the designs, layout, graphics and photos in this
Laporan Keberlanjutan ini sudah bagus? Sustainability Report good?
a. Setuju | Agree b. Tidak Setuju | Don’t agree c. Tidak tahu | Don’t know
2024 Annual Report & Sustainability Report
515
Page 518
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
6. Informasi apa yang paling bermanfaat dari Laporan 6. Which information in this Sustainability Report do you
Keberlanjutan ini? find most useful?
7. Informasi apa yang dinilai kurang bermanfaat dari 7. Which information in this Sustainability Report do you
Laporan Keberlanjutan ini? find less useful?
8. Informasi apa yang dinilai masih kurang dari Laporan 8. What information do you think is missing and should
Keberlanjutan ini dan perlu ditambahkan pada Laporan be included in the next Sustainability Report?
Keberlanjutan mendatang?
Identitas Pengirim | Sender Identity
Nama | Name :
Email :
Identifikasi menurut kategori pemangku kepentingan (beri tanda √ yang sesuai):
Identification by stakeholder category (mark √ as appropriate):
Nasabah dan klien | Customer and client
Investor | Investor
Regulator | Regulator
Masyarakat | Society
Lainnya | Other
Mohon Lembar Umpan Balik ini dikirimkan ke: Please send this Feedback Sheet to:
Sekretaris Perusahaan Corporate Secretary
PT Allo Bank Indonesia Tbk PT Allo Bank Indonesia Tbk
Menara Bank Mega Lantai 5-6, Mega Bank Tower, 5th - 6th Floors
Jl. Kapten P. Tendean No. 12-14A, St. Kapten P. Tendean No. 12-14A,
Jakarta Selatan 12790, Indonesia. South Jakarta 12790, Indonesia.
Telepon: (+62 21) 7990671, 79184705, 79182387 Telephone: (+62 21) 7990671, 79184705, 79182387
Email: corsec@allobank.com Email: corsec@allobank.com
Website: www.allobank.com Website: www.allobank.com
516 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 519
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
Tanggapan Terhadap
Umpan Balik Laporan Response to the Previous Year's
Tahun Sebelumnya Report Feedback [POJK G.3]
Selama tahun 2024, PT Allo Bank Indonesia Tbk Throughout 2024, PT Allo Bank Indonesia Tbk
tidak mendapat tanggapan dari para pemangku did not receive any feedback from stakeholders
kepentingan berkaitan dengan Laporan regarding the 2023 Sustainability Report.
Keberlanjutan 2023. Namun demikian, Bank Nevertheless, the Bank remains committed
senantiasa berupaya untuk menyempurnakan to continuously improving the contents of
isi laporan agar memenuhi panduan penulisan the report to ensure compliance with the
yaitu POJK No. 51/POJK.03/2017. writing guidelines outlined in POJK No. 51/
POJK.03/2017.
2024 Annual Report & Sustainability Report
517
Page 520
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
Daftar Pengungkapan
Sesuai POJK 51/ List of Disclosures in Accordance with
POJK.03/2017 POJK 51/POJK.03/2017 [OJK G.4]
No. Indeks Nama Indeks Halaman
[AE1] Index Description Page
Strategi Keberlanjutan
Sustainability Strategy
Penjelasan Strategi Keberlanjutan
A.1 463
Sustainability Strategy Statement
Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Performance Highlight
Aspek Ekonomi
B.1 452
Economic Aspect
Aspek Lingkungan Hidup
B.2 453
Environmental Aspect
Aspek Sosial
B.3 453
Social Aspect
Profil Perusahaan
Company Profile
Visi, Misi, dan Nilai Keberlanjutan
C.1 468
Vision, Mission, and Sustainability Values
Alamat Perusahaan
C.2 467
Company Address
Skala Usaha
C.3 469,470
Scale of Organization
Produk, Layanan, dan Kegiatan Usaha yang Dijalankan
C.4 468
Products, Services, and Business Activities Undertaken
Keanggotaan pada Asosiasi
C.5 471
Membership in the Association
Perubahan Emiten dan Perusahaan Publik yang Bersifat
C.6 Signifikan 470
Significant Change in Issuers and Public Companies
Penjelasan Direksi
Report of the Board of Directors
Penjelasan Direksi
D.1 454
Report of the Board of Directors
Tata Kelola Keberlanjutan
Sustainability Governance
Penanggungjawab Penerapan Keuangan berkelanjutan
E.1 473
Person in Charge of Sustainable Finance Implementation
Pengembangan Kompetensi Terkait Keuangan
E.2 berkelanjutan 475
Competency Development Related to Sustainable
Penilaian Risiko Atas Penerapan Keuangan
E.3 berkelanjutan 486
Risk Assessment on the Sustainable Finance Implementation
518 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 521
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
No. Indeks Nama Indeks Halaman
[AE1] Index Description Page
Hubungan dengan Pemangku Kepentingan
E.4 487
Relations with Stakeholders
Permasalahan terhadap Penerapan Keuangan
E.5 berkelanjutan 488
Issues Against the Sustainable Finance Implementation
Kinerja Keberlanjutan
Sustainability Performance
Kegiatan Membangun Budaya Keberlanjutan
F.1 489
Activities to Build a Culture of Sustainability
Kinerja Ekonomi
Economic Performance
Perbandingan Target dan Kinerja Produksi, Portofolio,
Target Pembiayaan, atau Investasi, Pendapatan dan Laba
F.2 Rugi 493
Comparison of Production Targets and Performance, Portfolios, Financing Targets,
or Investments, Income and Profit and Loss
Perbandingan Target dan Kinerja Portofolio, Target
Pembiayaan, atau Investasi Pada Instrumen Keuangan
atau Proyek yang Sejalan dengan Penerapan Keuangan Berkelanjutan
F.3 496
Comparison of Portfolio Targets and Performance, Financing Targets, or
Investments in Financial Instruments or Projects that are in Line with Sustainable
Finance Implementation
Kinerja Lingkungan Hidup
Environmental Performance
Aspek Umum
General Affairs Aspect
Biaya Lingkungan Hidup
F.4 501
Environmental Costs
Aspek Material
Material Aspect
Penggunaan Material Yang Ramah Lingkungan
F.5 498
Use of Environmentally Friendly Materials
Aspek Energi
Energy Aspect
Jumlah dan Intensitas Energi yang Digunakan
F.6 499
Amount and Intensity of Used Energy
Upaya dan Pencapaian Efisiensi Energi dan Penggunaan
F.7 Energi Terbarukan 499
Attempts and Achievement of Energy Efficiency and Use of Renewable Energy
Aspek Air
Water Aspect
Penggunaan Air
F.8 499, 501
Water Usage
Aspek Keanekaragaman Hayati
Biodiversity Aspect
Dampak dari Wilayah Operasional yang Dekat atau
Berada di Daerah Konservasi atau Memiliki
F.9 Keanekaragaman Hayati N/R
Impact of Operational Areas Nearby or Located in Conservation Areas or Those
Having Biodiversity
2024 Annual Report & Sustainability Report
519
Page 522
Performa 2024 Laporan Manajemen Profil Perusahaan
Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan
No. Indeks Nama Indeks Halaman
[AE1] Index Description Page
Usaha Konservasi Keanekaragaman Hayati
F.10 N/R
Attempts of Biodiversity Conservation
Aspek Emisi
Emission Aspect
Jumlah dan Intensitas Emisi yang Dihasilkan
F.11 Berdasarkan Jenisnya 500
Amount and Intensity of Produced Emissions by Type
Upaya dan Pencapaian Pengurangan Emisi yang
Dilakukan
F.12 499
Amount and Intensity of Resulting Emissions by Type of Emission Reduction Efforts
and Achievements Conducted
Aspek Limbah Dan Efluen
Waste and Effluent Aspect
Jumlah Limbah dan Efluen yang Dihasilkan Berdasarkan
F.13 Jenis N/R
The Amount of Waste and Effluent Generated by Type
Mekanisme Pengelolaan Limbah dan Efluen
F.14 N/R
Waste and Effluent Management Mechanisms
Tumpahan yang Terjadi (Jika Ada)
F.15 N/R
Leakage, if any
Aspek Pengaduan Terkait Lingkungan Hidup
Complaint Aspect Related to the Environment
Jumlah dan Materi Pengaduan Lingkungan Hidup yang
F.16 Diterima dan Diselesaikan N/R
Number and Material of Environmental Complaints Received and Resolved
Kinerja Sosial
Social Performance
Komitmen LJK, Emiten, atau Perusahaan Publik untuk
Memberikan Layanan Atas Produk dan/atau Jasa yang
F.17 Setara Kepada Konsumen 503
Commitment of Financial Services Institutions, Issuers, or Public Companies to
Provide Equal Services for Products and/or Services to Customers
Aspek Ketenagakerjaan
Employment Aspect
Kesetaraan Kesempatan Bekerja
F.18 504
Equal Opportunity to Work
Tenaga Kerja Anak dan Tenaga Kerja Paksa
F.19 504
Child Labor and Forced Labor
Upah Minimum Regional
F.20 505
Regional Minimum Wage
Lingkungan Bekerja yang Layak Dan Aman
F.21 505
Decent and Safe Work Environment
Pelatihan dan Pengembangan Kemampuan Pegawai
F.22 475
Training and Capacity Building for Employees
Aspek Masyarakat
Community Aspect
Dampak Operasi Terhadap Masyarakat Sekitar
F.23 507
Impact of Operations on the Surrounding Communities
Pengaduan Masyarakat
F.24 507
Public Complaints
Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL)
F.25 508
Environmental Social Responsibility (TJSL) Activities
520 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 523
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
No. Indeks Nama Indeks Halaman
[AE1] Index Description Page
Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan
Responsibility for Sustainable Product/Service Development
Inovasi dan Pengembangan Produk/Jasa Keuangan
F.26 berkelanjutan 509
Sustainable Financial Product/Service Innovation and Development
Produk/Jasa Yang Sudah Dievaluasi Keamanannya Bagi
F.27 Pelanggan 511
Products/Services Safety that Have Been Evaluated for Customers
Dampak Produk/Jasa
F.28 511
Impacts of Product/Service
Jumlah Produk yang Ditarik Kembali
F.29 513
Number of Recalled Products
Survei Kepuasan Pelanggan terhadap Produk dan/atau
F.30 Jasa Keuangan Berkelanjutan 513
Customer Satisfaction Survey of Sustainable Financial Products and/or Services
Lain-lain
Others
Verifikasi Tertulis dari Pihak Independen (jika Ada)
G.1 514
Written Verification by the Independent, if any
Lembar Umpan Balik
G.2 515
Feedback Sheet
Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan TahunSebelumnya
G.3 517
Responses to the Preceding Year’s Report Feedback
Daftar Pengungkapan Sesuai POJK 51/2017 tentang Penerapan
Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan,
Emiten dan Perusahaan Publik
G.4 518
List of Disclosures in Accordance with POJK 51/2017 regarding Sustainable
Finance Implementation for Financial Services Institutions, Issuers and Public
Companies
2024 Annual Report & Sustainability Report
521
Page 524
Performa 2024 Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen Tata Kelola Perusahaan yang Baik Laporan Keberlanjutan Laporan Keuangan Keuangan Financial Statements Financial Statements 522 Laporan Tahunan & Laporan Keberlanjutan 2024
Page 525
2024 Performance Management Report Company Profile
Management Discussion and Analysis Good Corporate Governance Sustainability Report
2024 Annual Report & Sustainability Report
523
Page 526
Page 527
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK Laporan Keuangan Financial Statements Untuk Tahun-Tahun yang Berakhir For the Years Ended Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023 Draft Paraf:
Page 528
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
Daftar Isi Halaman/ Table of Contents
Page
Surat Pernyataan Direksi Directors’ Statement Letter
Laporan Auditor Independen Independent Auditors’ Report
Laporan Keuangan Financial Statements
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
Laporan Posisi Keuangan 1 Statements of Financial Position
Laporan Laba Rugi dan Statements of Profit or Loss and
3
Penghasilan Komprehensif Lain Other Comprehensive Income
Laporan Perubahan Ekuitas 5 Statements of Changes in Equity
Laporan Arus Kas 6 Statements of Cash Flows
Catatan Atas Laporan Keuangan 8 Notes to the Financial Statements
Final Draft Paraf:
Page 529
Page 530
Page 531
Page 532
Page 533
Page 534
Page 535
Page 536
Page 537
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
LAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Catatan/
Notes 2024 2023
ASET ASSETS
Kas 4 1,955,245,700 3,848,905,800 Cash
Giro pada Bank Indonesia 5 234,891,975,965 233,442,087,888 Current accounts with Bank Indonesia
Giro pada bank lain 6 Current accounts with other banks
Pihak berelasi 36 46,729,528,498 177,910,333,490 Related parties
Pihak ketiga 9,156,518,033 38,203,199,413 Third parties
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (55,886,046) (216,113,532) impairment loss
55,830,160,485 215,897,419,371
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 7.36 2,649,927,104,595 1,399,970,850,337 and other banks
Efek-efek 8 2,847,269,591,360 3,182,839,180,000 Marketable securities
Efek-efek yang dibeli dengan Securities purchased under
janji dijual kembali 9 288,657,110,000 -- resell agreement
Kredit yang diberikan 10 Loans
Pihak berelasi 36 591,443,894,975 250,267,669,566 Related parties
Pihak ketiga 6,886,590,637,139 7,135,440,197,717 Third parties
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (104,483,589,241) (62,198,127,979) impairment loss
7,373,550,942,873 7,323,509,739,304
Pendapatan bunga yang
masih akan diterima 11 Interest receivables
Pihak berelasi 36 3,747,855,319 1,077,812,384 Related parties
Pihak ketiga 49,600,021,663 79,443,840,413 Third parties
53,347,876,982 80,521,652,797
Biaya dibayar di muka 12 28,196,746,549 25,424,942,329 Prepaid expenses
Aset tetap dan aset hak guna 13 385,222,301,917 267,601,199,185 Fixed assets and right-of-use assets
Dikurangi: Akumulasi penyusutan (112,683,215,896) (65,076,886,215) Less: Accumulated depreciation
272,539,086,021 202,524,312,970
Aset takberwujud 14 98,978,248,701 90,318,114,557 Intangible assets
Dikurangi: Akumulasi amortisasi (47,096,471,040) (30,338,354,327) Less: Accumulated amortization
51,881,777,661 59,979,760,230
Aset pajak tanguhan - neto 20c 768,941,608 -- Deferred tax assets - net
Aset lain-lain 15 125,197,211,698 22,475,722,354 Other assets
JUMLAH ASET 13,984,013,771,497 12,750,434,573,380 TOTAL ASSETS
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Final Draft Paraf:
1
Page 538
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
LAPORAN POSISI KEUANGAN (Lanjutan) STATEMENTS OF FINANCIAL POSITION (Continued)
31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Catatan/
Notes 2024 2023
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Liabilitas segera 16 199,060,602,051 185,136,203,393 Obligations due immediately
Simpanan nasabah 18 Deposits from customers
Pihak berelasi 36 215,201,937,903 1,218,208,682,682 Related parties
Pihak ketiga 5,879,916,099,130 3,680,457,408,637 Third parties
6,095,118,037,033 4,898,666,091,319
Simpanan dari bank lain 19 Deposits from other banks
Pihak berelasi 36 11,172,132 37,389 Related parties
Pihak ketiga 5,213,293,307 45,000,000,000 Third parties
5,224,465,439 45,000,037,389
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali 17 286,521,752,188 611,288,163,333 repurchased agreement
Utang pajak 20a 46,414,775,475 20,088,739,962 Taxes payables
Bunga yang masih harus
dibayar 21 15,674,141,519 15,049,164,570 Accrued interests
Liabilitas imbalan pasca-kerja 22 21,103,148,891 14,650,368,668 Post-employment benefits liabilities
Liabilitas pajak tanguhan - neto 20c -- 25,603,259,454 Deferred tax liabilities - net
Liabilitas lain-lain 23 49,160,355,646 49,876,667,494 Other liabilities
JUMLAH LIABILITAS 6,718,277,278,242 5,865,358,695,582 TOTAL LIABILITIES
EKUITAS EQUITY
Modal saham Share capital
Modal dasar - 40.000.000.000 Authorized - 40,000,000,000
saham dengan nilai nominal shares with par value
Rp100 per saham Rp100 per share
Modal ditempatkan dan disetor Issued and fully paid-up capital
penuh 21.730.256.442 saham pada 21,730,256,442 shares as of
tanggal 31 Desember 2024 dan 2023 24 2,173,025,644,200 2,173,025,644,200 December 31, 2024 and 2023
Tambahan modal disetor 35 3,868,733,223,522 3,868,733,223,522 Additional paid-in capital
Pengukuran kembali atas program Remeasurement of defined
imbalan pasti - neto 22 (3,701,030,148) (3,765,722,233) benefits plan - net
(Kerugian)/Keuntungan yang belum Unrealized (loss)/gain on change
direalisasi dari efek pada nilai in fair value of securities
wajar melalui penghasilan at fair value through other
komprehensif lain - neto 8h (10,395,190,853) 76,114,624,789 comprehensive income - net
Saldo laba Retained earnings
Ditentukan penggunaannya 2,060,163,690 2,054,029,386 Appropriated
Belum ditentukan penggunaannya 1,236,013,682,844 768,914,078,134 Unappropriated
JUMLAH EKUITAS 7,265,736,493,255 6,885,075,877,798 TOTAL EQUITY
JUMLAH LIABILITAS DAN EKUITAS 13,984,013,771,497 12,750,434,573,380 TOTAL LIABILITIES AND EQUITY
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Final Draft Paraf:
2
Page 539
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
LAPORAN LABA RUGI DAN PENGHASILAN STATEMENTS OF PROFIT OR LOSS AND
KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Catatan/
Notes 2024 2023
PENDAPATAN DAN OPERATING INCOME AND
BEBAN OPERASIONAL EXPENSE
Pendapatan bunga 25.36 1,486,931,004,055 1,328,942,770,941 Interest income
Beban bunga 26.36 (369,429,388,121) (292,187,971,868) Interest expenses
PENDAPATAN BUNGA - NETO 1,117,501,615,934 1,036,754,799,073 NET INTEREST INCOME
PENDAPATAN OPERASIONAL OTHER OPERATING
LAINNYA INCOME
Provisi dan komisi 27 19,461,707,224 6,596,365,673 Fees and commissions
Pendapatan administrasi Administration and penalties
dan denda 28 188,710,785,250 57,587,846,278 income
Keuntungan penjualan Gain on sales of
efek-efek 29 69,095,190,316 37,373,920,257 marketable securities
Lain-lain - neto 32 52,118,635,854 21,017,056,146 Others - net
Jumlah pendapatan operasional
lainnya 329,386,318,644 122,575,188,354 Total other operating income
Penyisihan cadangan kerugian Provision of allowance for impairment
penurunan nilai aset keuangan losses on financial assets
dan aset non-keuangan - neto 30 (114,040,981,917) (47,941,752,225) and non-financial assets - net
BEBAN OPERASIONAL OTHER OPERATING
LAINNYA EXPENSES
Beban umum dan administrasi 31a,36 (562,001,126,941) (391,270,804,253) General and administrative expenses
Beban tenaga kerja 31b,36 (172,022,912,061) (144,556,384,983) Personnel expenses
Jumlah beban operasional Total other operating
lainnya (734,024,039,002) (535,827,189,236) expenses
PENDAPATAN INCOME FROM
OPERASIONAL - NETO 598,822,913,659 575,561,045,966 OPERATIONS - NET
PENDAPATAN/(BEBAN) NON OPERATING
NON OPERASIONAL - NETO 33 126,494,441 (286,771,831) INCOME/(EXPENSES) - NET
LABA SEBELUM BEBAN PAJAK 598,949,408,100 575,274,274,135 INCOME BEFORE TAX EXPENSE
Beban Pajak Penghasilan 20b Income Tax Expense
Kini (136,765,889,127) (127,158,847,967) Current
Tangguhan 4,922,220,041 (3,549,291,864) Deferred
JUMLAH BEBAN PAJAK (131,843,669,086) (130,708,139,831) TOTAL TAX EXPENSES
LABA BERSIH 467,105,739,014 444,566,134,304 NET INCOME
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Final Draft Paraf:
3
Page 540
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
LAPORAN LABA RUGI DAN PENGHASILAN STATEMENTS OF PROFIT OR LOSS AND
KOMPREHENSIF LAIN (Lanjutan) OTHER COMPREHENSIVE INCOME (Continued)
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Catatan/
Notes 2024 2023
PENGHASILAN OTHER COMPREHENSIVE
KOMPREHENSIF LAIN INCOME
Pos-pos yang tidak akan Items that will not be
direklasifikasi ke laba rugi: reclassified to profit or loss:
Pengukuran kembali atas Remeasurement of -
program imbalan pasti 22 82,938,570 (1,574,759,204) defined benefit’s plan
Pajak penghasilan terkait 20c (18,246,485) 346,447,025 Related income tax
Pos-pos yang akan direklasifikasi Items that will be reclasified
ke laba rugi: subsequently to profit or loss:
Keuntungan yang belum
direalisasi atas perubahan Unrealized gain on change
nilai wajar efek-efek of debt instrument at
yang diukur pada nilai in fair value through
wajar melalui penghasilan other comprehensive
komprehensif lain 8h (107,978,043,148) 51,937,346,417 income
Pajak penghasilan terkait 20c 21,468,227,506 (11,426,216,212) Related income tax
JUMLAH (KERUGIAN)/PENGHASILAN TOTAL OTHER COMPREHENSIVE
KOMPREHENSIF LAIN (LOSS)/INCOME
TAHUN BERJALAN FOR THE YEAR
SETELAH PAJAK (86,445,123,557) 39,282,818,026 NET OF TAX
JUMLAH PENGHASILAN
KOMPREHENSIF TOTAL COMPREHENSIVE
TAHUN BERJALAN 380,660,615,457 483,848,952,330 INCOME FOR THE YEAR
LABA PER SAHAM BASIC EARNINGS
DASAR 34 21.50 20.46 PER SHARE
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Final Draft Paraf:
4
Page 541
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
LAPORAN PERUBAHAN EKUITAS STATEMENTS OF CHANGES IN OF EQUITY
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Keuntungan
yang belum
direalisasi atas
perubahan nilai
wajar melalui
penghasilan
komprehensif lain - neto/ Pengukuran
Modal Unrealized gain kembali atas
ditempatkan Tambahan on change in program
dan disetor modal fair value imbalan pasti - neto/
penuh/ disetor/ through other Remeasurement Ditentukan Belum ditentukan
Catatan/ Issued and Additional comprehensive of defined penggunaannya/ penggunaannya/ Total ekuitas/
Notes paid-up capital paid-in capital income - net benefits plan - net Appropriated Unappropriated Total equity
SALDO PER 31 DESEMBER 2022 2,173,025,644,200 3,868,733,223,522 45,645,505,878 (2,537,410,054) 2,024,618,193 324,377,355,023 6,411,268,936,762 BALANCE AS OF DECEMBER 31, 2022
Penyesuaian saldo awal -- -- (10,042,011,294) -- -- -- (10,042,011,294) Adjustment beginning balance
Laba bersih -- -- -- -- -- 444,566,134,304 444,566,134,304 Net income
Pembentukan cadangan Allocation for general
umum 24 -- -- -- -- 29,411,193 (29,411,193) -- reverse
Penghasilan komprehensif Other comprehensive
lain - neto 8.22 -- -- 40,511,130,205 (1,228,312,179) -- -- 39,282,818,026 income - net
SALDO PER 31 DESEMBER 2023 2,173,025,644,200 3,868,733,223,522 76,114,624,789 (3,765,722,233) 2,054,029,386 768,914,078,134 6,885,075,877,798 BALANCE AS OF DECEMBER 31, 2023
Laba bersih -- -- -- -- -- 467,105,739,014 467,105,739,014 Net income
Pembentukan cadangan Allocation for general
umum 24 -- -- -- -- 6,134,304 (6,134,304) -- reverse
Penghasilan komprehensif Other comprehensive
lain - neto 8.22 -- -- (86,509,815,642) 64,692,085 -- -- (86,445,123,557) income - net
SALDO PER 31 DESEMBER 2024 2,173,025,644,200 3,868,733,223,522 (10,395,190,853) (3,701,030,148) 2,060,163,690 1,236,013,682,844 7,265,736,493,255 BALANCE AS OF DECEMBER 31, 2024
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Final Draft Paraf:
5
Page 542
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
LAPORAN ARUS KAS STATEMENTS OF CASH FLOWS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Catatan/
Notes 2024 2023
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS OPERASI OPERATING ACTIVITIES
Penerimaan bunga 1,515,562,190,558 1,299,218,666,163 Interest received
Penerimaan operasional lainnya 136,368,516,420 104,309,283,702 Other operating received
Penerimaan kembali atas kredit Receipt from written-off
yang dihapusbukukan dan loans and foreclosed
agunan yang diambil alih 32 14,951,864,588 18,265,904,652 collateral
Pembayaran bunga (368,804,411,172) (289,559,995,239) Payments of interest
Pembayaran beban tenaga kerja (165,487,193,267) (147,239,816,813) Payments of personnel expenses
Pembayaran beban umum dan Payments of general and
administrasi (497,477,136,290) (336,206,390,058) administrative expenses
Pembayaran pajak penghasilan (115,242,093,340) (127,158,847,967) Payments of income tax
Pembayaran beban non-operasional - neto (6,147,784,212) (18,176,489,981) Payments of non-operating expenses - net
Arus kas sebelum perubahan Cash flows before changes
aset dan liabilitas operasi 513,723,953,285 503,452,314,459 in operating assets and liabilities
Penurunan (kenaikan) Decrease (increase) in
aset operasi: operating assets:
Kredit yang diberikan (92,326,664,831) (180,149,638,909) Loans
Efek-efek yang dibeli dengan Securities purchased
janji dijual kembali (288,657,110,000) 764,098,785,000 under resale agreements
Biaya dibayar di muka (2,771,804,220) 15,020,659,232 Prepaid expenses
Aset lain-lain (102,721,489,344) 40,901,478,628 Other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi: operating liabilities:
Simpanan Deposits
Deposito berjangka 886,144,576,949 363,823,482,010 Time deposits
Giro 42,369,990,154 8,333,115,904 Current accounts
Tabungan 228,161,806,661 155,861,578,189 Saving deposits
Efek-efek yang dijual dengan Securities sold
janji dibeli kembali (324,766,411,145) 611,288,163,333 under repurchase agreements
Utang pajak 4,802,239,727 9,463,784,781 Taxes payables
Liabilitas lain-lain 7,767,968,164 56,003,115,304 Other liabilities
Kas bersih diperoleh dari Net cash provided from
aktivitas operasi 871,727,055,400 2,348,096,837,931 operating activities
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS INVESTASI INVESTING ACTIVITIES
Pembelian efek-efek yang Placement from marketable securities
diukur pada nilai wajar melalui measured at fair value through other
penghasilan komprehensif lain (2,436,424,264,273) (1,754,500,000,000) comprehensive income
Penjualan efek-efek yang Proceeds from marketable securities
diukur pada nilai wajar melalui measured at fair value through
penghasilan komprehensif lain 2,776,552,050,000 500,000,000,000 other comprehensive income
Penerimaan dari penjualan aset tetap 13 -- 19,043,262 Proceeds from sale of fixed assets
Pembelian aset tetap 13, 44b (99,925,946,805) (88,330,983,246) Acquisition of fixed assets
Pembelian aset takberwujud 14 (8,660,134,144) (12,504,677,724) Acquisition of intangible assets
Kas bersih diperoleh dari Net cash provided from
(digunakan untuk) aktivitas investasi 231,541,704,778 (1,355,316,617,708) (used in) investing activities
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Final Draft Paraf:
6
Page 543
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
LAPORAN ARUS KAS (Lanjutan) STATEMENTS OF CASH FLOWS (Continued)
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Catatan/
Notes 2024 2023
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS PENDANAAN FINANCING ACTIVITIES
Pembayaran liabilitas sewa 13 (13,983,764,315) (13,292,386,412) Payment of lease liabilities
Kas bersih digunakan untuk Net cash used in
aktivitas pendanaan (13,983,764,315) (13,292,386,412) financing activities
KENAIKAN BERSIH KAS DAN INCREASE IN CASH AND
SETARA KAS 1,089,284,995,863 979,487,833,811 CASH EQUIVALENTS
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS AT
AWAL TAHUN 1,853,375,376,928 873,887,543,117 BEGINNING OF THE YEAR
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS AT
AKHIR TAHUN 2,942,660,372,791 1,853,375,376,928 END OF THE YEAR
Cash and cash equivalents
Kas dan setara kas terdiri dari: consist of:
Kas 4 1,955,245,700 3,848,905,800 Cash
Current accounts with
Giro pada Bank Indonesia 5 234,891,975,965 233,442,087,888 Bank Indonesia
Current accounts with
Giro pada bank lain 6 55,886,046,531 216,113,532,903 other banks
Penempatan pada Bank Placements with Bank
Indonesia dan Indonesia and
bank lain 7 2,649,927,104,595 1,399,970,850,337 other banks
Total cash and cash
Jumlah kas dan setara kas 2,942,660,372,791 1,853,375,376,928 equivalents
Lihat Catatan 44 atas laporan keuangan untuk pengungkapan See Note 44 to the financial statements for the supplemental
informasi tambahan arus kas. disclosures of cash flows information.
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Final Draft Paraf:
7
Page 544
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
1. Umum 1. General
1.a. Pendirian dan Informasi Umum Bank 1.a. Establishment and General Information of
the Bank
PT Allo Bank Indonesia Tbk (“Bank”) didirikan PT Allo Bank Indonesia Tbk (“Bank”) was
di negara Republik Indonesia dengan nama establish in Republic of Indonesia under the
PT Bank Harda Internasional berdasarkan Akta business name of PT Bank Harda
Notaris No. 242 tanggal 21 Oktober 1992 dari Internasional based on Notarial Deed No. 242
Ny. Poerbaningsih Adi Warsito, S.H., notaris, dated October 21, 1992 from Mrs.
di Jakarta. Akta pendirian tersebut telah Poerbaningsih Adi Warsito, S.H., notary, in
mendapat pengesahan dari Kementerian Jakarta. The Deed of establishment was
Kehakiman Republik Indonesia dengan Surat approved by the Ministry of Justice of the
Keputusan No. C2-895.HT.01.01.TH.93 tanggal Republic of Indonesia in its Decree No. C2-
10 Februari 1993 serta diumumkan dalam 895.HT.01.01.TH.93 dated February 10, 1993
Lembaran Berita Negara No. 25 tanggal 27 and published in State Gazette No. 25 dated
Maret 1993, Tambahan No. 1316. March 27, 1993, Supplement No. 1316.
Sesuai dengan Pasal 3 Anggaran Dasar Bank, In accordance with Article 3 of the Bank’s
tujuan Bank adalah melakukan usaha Articles of Association, the purpose of the
perbankan dengan melaksanakan kegiatan Bank is to conduct banking business by
usaha antara lain menghimpun dana dari conducting business activities such as
masyarakat, memberikan kredit, menerbitkan collecting funds from public, providing loans,
surat pengakuan utang, melakukan kegiatan issuing letters of credit, conducting custody
penitipan untuk kepentingan pihak lain activities for the benefit of other parties based
berdasarkan suatu kontrak dan membeli on a contract, and buying through the auction
melalui pelelangan agunan maupun sebagian of collateral as well as part in the event that the
dalam hal debitur tidak memenuhi liabilitasnya debtor does not fulfill its obligations to the
kepada Bank. Bank.
Bank memperoleh izin usaha sebagai Bank The Bank obtained a license as a Commercial
Umum dari Kementerian Keuangan Republik Bank from the Ministry of Finance of the
Indonesia dengan keputusan Republic of Indonesia with the decision
No. 455/KMK.017/1994 tanggal 8 September No. 455/KMK.017/1994 dated September 8,
1994. 1994.
Berdasarkan Akta Notaris No. 1 tanggal Based on Notarial Deed No. 1 dated
2 Juni 2021 tentang perubahan anggaran June 2, 2021 regarding the Decision of the
dasar PT Bank Harda Internasional Tbk yang Meeting Resolution on Amendment of Article of
dibuat di hadapan notaris Dharma Akhyuzi, Association of PT Bank Harda Internasional
S.H., para pemegang saham menyetujui Tbk, which was made before Dharma Akhyuzi,
perubahan nama Bank dari sebelumnya SH., the Bank’s shareholders agreed to change
bernama PT Bank Harda Internasional Tbk the Bank’s name from PT Bank Harda
menjadi PT Allo Bank Indonesia Tbk dan juga Internasional Tbk to become PT Allo Bank
menyetujui perubahan anggaran dasar Bank Indonesia Tbk and also approved the
untuk disesuaikan dengan peraturan Otoritas amendmend of Bank’s Article Association to be
Jasa Keuangan No. KEP-48/PB.1/2021 adjusted with the Financial Services Authority
tentang Rencana dan Penyelenggaraan Rapat Regulation No. KEP-48/PB.1/2021 regarding
Umum Pemegang Saham Perusahaan Plan and Implementation General Meeting of
Terbuka. Perubahan ini telah disetujui oleh Shareholders of Public Company. These
Menteri Hukum dan Hak Asasi Manusia changes have been approved by the Minister of
Republik Indonesia melalui surat keputusan Laws and Human Rights of the Republic of
No. AHU-0031692.AH.01.02. Tahun 2021 Indonesia through letter No. AHU-
tanggal 2 Juni 2021. 0031692.AH.01.02. Tahun 2021 dated
June 2, 2021.
8
Page 545
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Anggaran Dasar Bank telah mengalami The Bank’s Articles of Association have been
beberapa kali perubahan. Perubahan terakhir amended several times. The latest amendment
berdasarkan Akta Pernyataan Keputusan is based on the Deed of the Meeting Decision
Rapat No. 5 tanggal 15 Oktober 2021 yang Statement No. 5 dated October 15, 2021 of
dibuat dihadapan notaris Dharma Akhyuzi, Dharma Akhyuzi, S.H. notary in Jakarta,
S.H. notaris di Jakarta, menyetujui approved the increase in the Bank’s Authorized
peningkatan Modal Dasar Bank dari semula Capital from 16,000,000,000 shares with a
sebanyak 16.000.000.000 lembar saham nominal value of Rp1,600,000,000,000 to
dengan nilai nominal sebesar 40,000,000,000 shares with a nominal value of
Rp1.600.000.000.000 menjadi sebanyak Rp4,000,000,000,000. The amendment has
40.000.000.000 lembar saham dengan nilai been received and recorded by the Ministry of
nominal sebesar Rp4.000.000.000.000. Law and Human Rights of the Republic
Perubahan tersebut telah diterima dan dicatat Indonesia in its Decision Letter
oleh Kementerian Hukum dan Hak Asasi No. AHU-0057224.AH.01.02. Tahun 2021
Manusia Republik Indonesia masing-masing dated October 15, 2021.
melalui Surat Keputusan No. AHU-
0057224.AH.01.02. Tahun 2021 tanggal
15 Oktober 2021.
Berdasarkan Akta Perubahan Modal Disetor Based on the Notarial Deed of Amendment to
No. 7 tanggal 27 Januari 2022 yang dibuat Paid-in Capital No. 7 dated January 27, 2022 of
dihadapan notaris Dharma Akhyuzi, S.H. Dharma Akhyuzi, S.H. notary in Jakarta, the
notaris di Jakarta, menyetujui modal disetor Bank’s paid-in and issued capital is
dan ditempatkan Bank menjadi sebanyak 21,730,256,442 shares with a nominal value of
21.730.256.442 lembar saham dengan nilai Rp2,173,025,644,200. The amendment has
nominal Rp2.173.025.644.200. Perubahan been received and recorded by the Ministry of
tersebut telah diterima dan dicatat oleh Law and Human Rights of the Republic
Kementerian Hukum dan Hak Asasi Manusia Indonesia in its Decision Letter
Republik Indonesia masing-masing melalui No. AHU-AH.01.03-0073375 dated
Surat Keputusan No. AHU-AH.01.03-0073375 February 22, 2022.
tanggal 22 Februari 2022.
Pada tanggal 10 September 2021, Bank On September 10, 2021, the Bank received a
menerima surat persetujuan Penyelenggaraan letter of approval for Implementation of Digital
Layanan Produk Digital oleh Bank Umum dari Product Services by Commercial Banks from
Otoritas Jasa Keuangan No. S-159/PB.333/ the Financial Services Authority by letter
2021. No. S-159/PB.333/2021.
Pada tanggal 26 April 2022, Bank menerima On April 26, 2022, the Bank received a letter of
surat persetujuan dari Otoritas Jasa Keuangan approval from the Financial Services Authority
terkait rencana penutupan Kantor Cabang Bank regarding the plan to close the Bank’s Branches
di Surabaya, Bandung, Solo, Pontianak, Offices in Surabaya, Bandung, Solo, Pontianak,
Tangerang dan Pekan Baru dengan Surat Tangerang and Pekan Baru by Letter
No. S-118/PB.12/2022 tanggal 2 Juni 2022. No. S-118/PB.12/2022 dated June 2, 2022.
Pada tanggal 10 Mei 2022, Bank menerima On May 10, 2022, the Bank received a letter of
surat persetujuan dari Otoritas Jasa Keuangan approval from the Financial Services Authority
terkait rencana penutupan 6 Kantor Cabang regarding the plan to close 6 Sub-Branch
Pembantu dan 2 Kantor Kas di Jakarta dengan Offices and 2 Cash Offices in Jakarta by Letter
Surat No. S-58/PB.333/2022 tanggal No. S-58/PB.333/2022 dated June 1, 2022.
1 Juni 2022.
Kantor Pusat Bank berlokasi di Menara Bank Bank's Head Office is located at Menara Bank
Mega Lantai 5-6 Jalan Kapten P. Tendean Mega 5-6th floor Jalan Kapten P. Tendean
No. 12-14A Jakarta Selatan 12790. Bank saat No. 12-14A Jakarta Selatan 12790. The Bank
ini mempunyai 2 Kantor Cabang di Jakarta. currently has 2 Branch Offices in Jakarta.
9
Page 546
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
PT Mega Corpora adalah entitas induk dari PT Mega Corpora is the parent entity of the
Bank. Entitas induk terakhir Bank adalah Bank. The ultimate holding entity of the Bank is
PT CT Corpora. PT CT Corpora.
1.b. Penawaran Umum Saham Bank 1.b. Public Offering of the Bank’s Shares
Pada tanggal 31 Juli 2015, Bank memperoleh On July 31, 2015, the Bank obtained the
Surat Pernyataan Efektif dari Dewan Effective Statement Letter from Board of
Komisioner Otoritas Jasa Keuangan (OJK) Commissioners of Financial Services Authority
dengan suratnya No. S-346/D.04/2015 untuk (OJK) through its Letter No. S-346/D.04/2015
melakukan penawaran umum saham perdana for the Bank’s initial public offering of
sejumlah 800.000.000 lembar saham biasa 800,000,000 common shares to the public with a
atas nama dan dengan nilai nominal Rp100 par value of Rp100 per share at an offering
setiap lembar saham yang ditawarkan kepada price of Rp125 per share. Included in the
masyarakat dengan harga penawaran Rp125 number of initial public shares offered to the
setiap saham. Termasuk didalam jumlah public are shares that have been allocated in
saham umum perdana kepada masyarakat connection with Employee Stock Allocation
adalah saham yang telah dialokasikan Program (ESA) of 1,270,000 shares based on
sehubungan dengan Program Alokasi Saham the Director Decision Letter No. 024/SK-
Karyawan sejumlah 1.270.000 lembar saham DIR/V/2015.
berdasarkan Surat Keputusan Direksi
No. 024/SK-DIR/V/2015.
Pada tanggal 12 Agustus 2015, seluruh saham These shares were listed on the Indonesian
tersebut telah dicatat di Bursa Efek Indonesia. Stock Exchange on August 12, 2015.
Pada tanggal 14 Juli 2017, Bank memperoleh On July 14, 2017, the Bank obtained the
Surat Pernyataan Efektif dari Dewan Effective Statement Letter from Board of
Komisioner Otoritas Jasa Keuangan (OJK) Commissioners of Financial Services Authority
dengan suratnya No. S-03820/BEI.PP3/07- (OJK) through its Letter No. S-03820/
2017 untuk melakukan peningkatan modal BEI.PP3/07-2017 for non-right issue of
tanpa melalui mekanisme Hak Memesan Efek 365,000,000 common shares with a par value
Terlebih Dahulu sejumlah 365.000.000 lembar of Rp100 per share at an offering price of
saham biasa atas nama dan dengan nilai Rp100 per share.
nominal Rp100 setiap lembar saham yang
ditawarkan dengan harga penawaran Rp100
setiap saham.
Pada tanggal 22 Juni 2018, Bank memperoleh On June 22, 2018, the Bank obtained the
Surat Pernyataan Efektif dari Dewan Effective Statement Letter from Board of
Komisioner Otoritas Jasa Keuangan (OJK) Commissioners of Financial Services Authority
dengan suratnya No. S-03564/BEI.PP3/06- (OJK) through its Letter
2018 untuk melakukan Hak Memesan Efek No. S-03564/ BEI.PP3/06-2018 for the Bank’s
Terlebih Dahulu sejumlah 169.431.795 lembar right issue offering of 169,431,795 common
saham biasa atas nama dan dengan nilai shares to the public with a par value of Rp100
nominal Rp100 setiap lembar saham yang per share at an offering price of Rp200 per
ditawarkan kepada masyarakat dengan harga share.
penawaran Rp200 setiap saham.
Pada tanggal 30 Juni 2021, Bank memperoleh On June 30, 2021, the Bank obtained the
Surat Pernyataan Efektif dari Dewan Effective Statement Letter from Board of
Komisioner Otoritas Jasa Keuangan (OJK) Commissioners of Financial Services Authority
dengan suratnya No. S-104/D.04/2021 untuk (OJK) through its Letter No. S-104/D.04/2021
melakukan Hak Memesan Efek Terlebih for the Bank’s right issue offering of
Dahulu sejumlah 7.498.501.776 lembar saham 7,498,501,776 common shares to the public
biasa atas nama dan dengan nilai nominal with a par value of Rp100 per share at an
Rp100 setiap lembar saham yang ditawarkan offering price of Rp100 per share.
kepada masyarakat dengan harga penawaran
Rp100 setiap saham.
10
Page 547
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Pada tanggal 30 Desember 2021, Bank On December 30, 2021, the Bank obtained the
memperoleh Surat Pernyataan Efektif dari Effective Statement Letter from Board of
Dewan Komisioner Otoritas Jasa Keuangan Commissioners of Financial Services Authority
(OJK) dengan suratnya No. S-245/D.04/2021 (OJK) through its Letter No. S-245/D.04/2021
untuk melakukan Hak Memesan Efek Terlebih for the Bank’s right issue offering of
Dahulu sejumlah 10.047.322.871 lembar 10,047,322,871 common shares to the public
saham biasa atas nama dan dengan nilai with a par value of Rp100 per share at an
nominal Rp100 setiap lembar saham yang offering price of Rp478 per share.
ditawarkan kepada masyarakat dengan harga
penawaran Rp478 setiap saham.
1.c. Dewan Komisaris, Direksi, Komite Audit, 1.c. Board of Commissioners, Directors, Audit
Komite Pemantau Risiko, Komite Committee, Risk Monitoring Committee,
Remunerasi dan Nominasi, Divisi Audit Remuneration and Nomination Committee,
Internal dan Karyawan Internal Audit Division and Employees
Pada tanggal 31 Desember 2024 dan 2023, As at December 31, 2024 and 2023, the Board of
anggota Dewan Komisaris, Direksi, Komite Commissioners, Directors, Audit Committee,
Audit, Komite Pemantau Risiko, Komite Risk Monitoring Committee, Remuneration and
Remunerasi dan Nominasi adalah sebagai Nomination Committee are as follows:
berikut:
2024
` 2023
`
Dewan Komisaris: Board of Commissioners:
Komisaris Utama Independen Aviliani Aviliani Independent President Commissioner
Komisaris Independen Rosmaya Hadi Rosmaya Hadi Independent Commissioner
Komisaris Ali Gunawan Ali Gunawan Commissioner
Dewan Direksi: Board of Directors:
Direktur Utama Indra Utoyo Indra Utoyo President Director
Direktur Ari Yanuanto Asah Ari Yanuanto Asah Director
Direktur Arief Tendeas Arief Tendeas Director
Direktur Ganda Raharja Rusli Ganda Raharja Rusli Director
Direktur Sajal Bhatnagar Sajal Bhatnagar Director
Komite Audit: Audit Committee:
Ketua Aviliani Aviliani Head
Anggota Siswandi Pujo Sasongko Siswandi Pujo Sasongko Member
Anggota Lista Ima *) Aulia Usmanto Member
Komite Pemantau Risiko: Risk Monitoring Committee:
Ketua Rosmaya Rosmaya Head
Anggota Siswandi Pujo Sasongko **) Aulia Usmanto Member
Anggota Lista Ima Lista Ima Member
Komite Remunerasi Remuneration and Nomination
dan Nominasi: Committee:
Ketua Aviliani Aviliani Head
Anggota Ali Gunawan Ali Gunawan Member
Anggota Netty Delima Simanjuntak Netty Delima Simanjuntak Member
*) Pengangkatan Lista Ima sebagai Anggota Komite *) Lista Ima’s appointment as a Member of Audit
Audit telah mendapatkan persetujuan Dewan Direksi Committee has been approved by the Board of
berdasarkan Surat Keputusan No. 67/DIRAB/24 Directors based on Decree No. 067/DIRAB/24
tanggal 28 Agustus 2024. dated August 28, 2024.
**) Pengangkatan Siswandi Pujo Sasongko sebagai **) Siswandi Pujo Sasongko's appointment as a Member
Anggota Komite Pemantau Risiko telah of the Risk Monitoring Committee has been approved
mendapatkan persetujuan Dewan Direksi by the Board of Directors based on Decree No.
berdasarkan Surat Keputusan No. 068/DIRAB/24 068/DIRAB/24 dated August 28, 2024.
tanggal 28 Agustus 2024.
Kepala Divisi Audit Internal Bank pada tanggal The Bank’s Internal Audit Division Head as of
31 Desember 2024 dan 2023 adalah Dani December 31, 2024 and 2023 is Dani Bayu
Bayu Angkat. Angkat.
11
Page 548
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Sekretaris Perusahaan Bank pada The Bank’s Corporate Secretary as at
31 Desember 2024 dan 2023 adalah Stacey December 31, 2024 and 2023 is Stacey Aryadi
Aryadi Suryoputro. Suryoputro.
Personil manajemen kunci mencakup anggota Key management personnel includes members
Dewan Komisaris dan Direksi, serta pejabat of the Board of Commisioners and Board of
eksekutif yaitu pejabat yang bertanggung Directors, and executive officers who have direct
jawab langsung kepada Direksi atau responsibility to the Board of Directors or have
mempunyai pengaruh yang signifikan terhadap significant influences over policies and/or
kebijakan dan/atau aktivitas operasional Bank. operational activities of the Bank.
Pada tanggal 31 Desember 2024 dan 2023 As at December 31, 2024 and 2023, the Bank
Bank memiliki masing-masing 345 dan 298 has 345 and 298 employees (unaudited),
karyawan (tidak diaudit). respectively.
2. Ikhtisar Kebijakan Akuntansi Material 2. Summary of Material Accounting Policies
Kebijakan akuntansi utama yang diterapkan The principal accounting policies adopted in
dalam penyusunan laporan keuangan Bank preparing the financial statements of the Bank
adalah seperti dijabarkan di bawah ini: are set out below:
Pernyataan Kepatuhan Statement of Compliance
Laporan keuangan telah disusun dan disajikan The financial statements have been prepared
sesuai dengan Standar Akuntansi Keuangan di and presented in accordance with Indonesian
Indonesia (“SAK”), yang mencakup Pernyataan Financial Accounting Standards (“SAK”) which
dan interpretasi yang diterbitkan oleh Dewan comprise the Statements and interpretations
Standar Akuntansi Keuangan Ikatan Akuntan issued by the Financial Accounting Standards
Indonesia (“DSAK”), serta peraturan Pasar Board of Indonesian Institute of Accountants
Modal yang berlaku antara lain Peraturan (“DSAK”), and regulations in the Capital
Otoritas Jasa Keuangan/Badan Pengawas Market include Regulations of Financial
Pasar Modal dan Lembaga Keuangan Services Authority/Capital Market
(OJK/Bapepam-LK) No. VIII.G.7 tentang and Supervisory Board and Financial Institution
pedoman penyajian laporan keuangan, (OJK/Bapepam-LK) No. VIII.G.7 regarding
keputusan Ketua Bapepam-LK guidelines for the presentation of financial
No. KEP-347/BL/2012 tentang penyajian dan statements, decree of Chairman of Bapepam-
pengungkapan laporan keuangan emiten atau LK No. KEP-347/BL/2012 regarding
perusahaan publik. presentation and disclosure of financial
statements of the issuer or public company.
2.a. Dasar Penyusunan Laporan Keuangan 2.a. Basis for Preparation of Financial
Statements
Laporan keuangan disusun berdasarkan biaya The financial statements have been prepared
perolehan, kecuali untuk aset keuangan yang under the historical cost convention, as
diukur pada nilai wajar melalui penghasilan modified by financial assets at fair value
komprehensif lain dan seluruh instrumen aset through other comprehensive income and
keuangan yang diukur berdasarkan nilai wajar financial assets and land and buildings
dan aset tanah dan gedung yang diukur pada measured at fair value. The financial
nilai wajar. Laporan keuangan disusun statements have been prepared using the
menggunakan basis akrual, kecuali untuk accrual basis except for the statement of cash
laporan arus kas. flow.
Bank telah menyusun laporan keuangan The Bank has prepared the financial statement
dengan dasar bahwa Bank akan terus on the basis that it will continue to operate as a
mempertahankan kelangsungan usaha. going concern.
12
Page 549
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Laporan arus kas disusun dengan The statement of cash flows is prepared based
menggunakan metode langsung dengan on the direct method by classifying cash flows
mengelompokkan arus kas dalam aktivitas on the basis of operating, investing, and
operasi, investasi dan pendanaan. Untuk financing activities. For purposes of the
tujuan laporan arus kas, kas dan setara kas statement of cash flows, cash and cash
mencakup giro pada bank lain, giro pada Bank equivalent consist of cash, current accounts
Indonesia, penempatan pada Bank Indonesia with other banks, current accounts with Bank
dan pada bank lain dengan jangka waktu Indonesia, placement with Bank Indonesia and
kurang dari 3 bulan. other banks with a period of less than
3 months.
Pos-pos dalam Penghasilan Komprehensif The items under Other Comprehensive Income
Lainnya disajikan terpisah antara akun-akun (OCI) are presented separately between items to
yang akan direklasifikasikan ke laba rugi dan be reclassified to profit or loss and those items
akun-akun yang tidak akan direklasifikasikan not to be reclassified to profit or loss.
ke laba rugi.
Dalam penyusunan laporan keuangan sesuai The preparation of financial statements in
dengan Standar Akuntansi Keuangan di conformity with Financial Accounting Standards
Indonesia, dibutuhkan estimasi dan asumsi in Indonesia requires the use of estimates and
yang mempengaruhi: assumptions that affect:
• nilai aset dan liabilitas dilaporkan, dan • • the reported amounts of assets and
pengungkapan atas aset dan liabilitas liabilities and disclosure of contingent
kontinjensi pada tanggal laporan assets and liabilities at the date of the
keuangan, financial statements,
• jumlah pendapatan dan beban selama • the reported amounts of revenues and
periode pelaporan expenses during the reporting period
Walaupun estimasi ini dibuat berdasarkan Although these estimates are based on
pengetahuan terbaik manajemen atas kejadian management’s best knowledge of current events
dan tindakan saat ini, hasil yang timbul and activities, actual results may differ from
mungkin berbeda dengan jumlah yang those estimates.
diestimasi semula.
Estimasi-estimasi dan asumsi-asumsi yang Estimates and underlying assumptions are
digunakan ditelaah secara berkesinambungan. reviewed on an ongoing basis. Revisions to
Revisi atas estimasi akuntansi diakui pada accounting estimates are recognized in the
periode dimana estimasi tersebut direvisi dan period in which the estimate is revised and in
periode yang akan datang yang dipengaruhi any future periods affected.
oleh revisi estimasi tersebut.
Secara khusus, informasi mengenai hal-hal In particular, information about significant areas
penting yang terkait dengan ketidakpastian of estimation uncertainty and critical judgments
estimasi dan pertimbangan-pertimbangan in applying accounting policies that have
penting dalam penerapan kebijakan akuntansi significant effect on the amount recognized in
yang memiliki dampak yang signifikan the financial statements are described in
terhadap jumlah yang diakui dalam laporan Note 3.
keuangan dijelaskan di Catatan 3.
Mata uang penyajian yang digunakan pada The presentation currency used in the financial
laporan keuangan adalah Rupiah, yang statements is Indonesian Rupiah, which is the
merupakan mata uang fungsional Bank. functional currency of the Bank.
Pernyataan dan interpretasi standar New and revised statements and
akuntansi baru dan revisi yang berlaku interpretation of financial accounting
efektif pada tahun berjalan standards effective in the current year
Berikut amendemen dan penyesuaian atas The following are amendments and
standar yang berlaku efektif untuk periode improvements to standards which effective for
yang dimulai pada atau setelah 1 Januari periods beginning on or after January 1, 2024,
13
Page 550
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2024, dengan penerapan dini diperkenankan with early adoption is permitted, are as follows:
yaitu:
• Amendemen PSAK 201: Penyajian • • Amendments PSAK 201: Presentation of
Laporan Keuangan tentang Klasifikasi Financial Statements regarding
Liabilitas sebagai Jangka Pendek atau Classification of Liabilities as Current or
Jangka Panjang; Noncurrent;
• Amendemen PSAK 201: Penyajian • Amandments of PSAK 201: Presentation
Laporan Keuangan tentang Liabilitas of Financial Statements regarding Long
Jangka Panjang dengan Kovenan; Term Liabilities with the Covenant;
• Amendemen PSAK 116: Sewa tentang • Amendments PSAK 116: Lease regarding
Liabilitas Sewa dalam Jual dan Sewa– Lease Liability in a Sale and Leaseback;
Balik;
• Amendemen PSAK 207: Laporan Arus Kas • Amendments PSAK 207: Statement of
dan amendemen PSAK 107: Instrumen Cash Flows and SFAS 107: Financial
Keuangan: Pengungkapan tentang Instrument: Disclosure regarding Supplier
Pengaturan Pembiayaan Pemasok; dan Finance Arrangements; and
• Revisi PSAK 409: Akuntansi Zakat, Infak, • Revision PSAK 409: Accounting for Zakat,
dan Sedekah dan Revisi PSAK 401: Infaq, dan Sadaqah and Revision SFAS
Penyajian Laporan Keuangan Syariah. 401: Presentation of Sharia Financial
Statementsa
Implementasi dari standar-standar tersebut The implementation of the above standards did
tidak menghasilkan perubahan substansial not result in substantial changes to the Bank’s
terhadap kebijakan akuntansi Bank dan tidak accounting policies and had no material impact
memiliki dampak yang material terhadap to the financial statements for current or prior
laporan keuangan di tahun berjalan atau tahun financial years.
sebelumnya.
2.b. Transaksi dengan Pihak Berelasi 2.b. Transactions with Related Parties
Dalam menjalankan usahanya, Bank In the normal course of its business, the Bank
melakukan transaksi dengan pihak-pihak enters into transactions with related parties
berelasi seperti yang didefinisikan dalam which are defined under PSAK 224 regarding
PSAK 224 tentang “Pengungkapan Pihak- “Related Party Disclosures”.
pihak Berelasi”.
Pihak berelasi adalah orang atau entitas yang A related party is a person or entity that is
terkait dengan Bank: related to the Bank:
a. Orang atau anggota keluarga terdekat a. A person or a close member of the person’s
mempunyai relasi dengan entitas pelapor family is related to the Bank if that person:
jika orang tersebut:
i. Memiliki pengendalian atau iv. i. Has control or joint control over the
pengendalian bersama atas Bank; Bank;
ii. Memiliki pengaruh signifikan atas ii. Has significant influence over the
Bank; atau Bank; or
iii. Personil manajemen kunci Bank atau iii. Is a member of the key management
entitas induk Bank. personnel of the Bank or of a parent
of the Bank.
b. Suatu entitas berelasi dengan Bank jika b. An entity is related to the Bank if any of the
memenuhi salah satu hal berikut: following conditions applies:
i. Entitas dan entitas pelapor adalah i. The entity and the reporting entity are
anggota dari kelompok usaha yang members of the same group (which
sama (artinya entitas induk, entitas means that each parent, subsidiary,
anak, dan sesama entitas anak saling and fellow subsidiaries are related to
berelasi dengan entitas anak each others);
lainnya);
14
Page 551
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
ii. Satu entitas adalah entitas asosiasi ii. One entity is an associate or joint
atau ventura bersama dari entitas lain venture of the other entity (or an
(atau entitas asosiasi atau associate or joint venture of a
ventura bersama yang merupakan member of a group of which the other
anggota suatu kelompok usaha, entity is a member);
dimana entitas lain tersebut adalah
anggotanya);
iii. Kedua entitas tersebut adalah iii. Both entities are joint ventures of the
ventura bersama dari pihak ketiga same third party;
yang sama;
iv. Satu entitas adalah ventura bersama iv. One entity is a joint venture of a third
dari entitas ketiga dan entitas yang entity and the other entity is an
lain adalah entitas asosiasi dari associate of the third entity;
entitas ketiga;
v. Entitas tersebut adalah suatu v. The entity is a post-employment
program imbalan pascakerja untuk benefit plan for the benefit of
imbalan kerja dari salah satu entitas employees of either the reporting
pelapor atau entitas yang terkait entity, or an entity related to the
dengan entitas pelapor. Jika entitas reporting entity. If the reporting entity
pelapor adalah entitas yang in itself such a plan, the sponsoring
menyelenggarakan program tersebut, employers are also related to the
maka entitas sponsor juga berelasi reporting entity;
dengan entitas pelapor;
vi. Entitas yang dikendalikan atau vi. The entity is controlled or jointly
dikendalikan bersama oleh orang controlled by a person identified in
yang diidentifikasi dalam huruf (a); (a);
vii. Orang yang diidentifikasi dalam huruf vii. A person identified in (a) (i) has
(a) (i) memiliki pengaruh signifikan significant influence over the entity or
atas entitas atau merupakan personil is a member of the key management
manajemen kunci entitas (atau personnel of the entity (or a parent of
entitas induk dari entitas); atau the entity); or
viii. Entitas atau anggota dari kelompok di viii. The entity or any members of a group
mana entitas merupakan bagian dari of which it is a part, provides key
kelompok tersebut, menyediakan jasa management personnel service to the
personil manajemen kunci kepada reporting entity or to the parent of the
entitas pelapor atau kepada entitas reporting entity.
induk dari entitas pelapor.
Transaksi dengan pihak berelasi dilakukan Transactions with related parties are made on
berdasarkan persyaratan yang disetujui oleh terms agreed by both parties, where such
kedua belah pihak, dimana persyaratan requirements may not be the same as other
tersebut mungkin tidak sama dengan transaksi transactions undertaken with third parties.
lain yang dilakukan dengan pihak-pihak yang Material transactions and balances with
tidak berelasi. Seluruh transaksi dan saldo related parties are disclosed in the notes to the
yang material dengan pihak-pihak berelasi financial statements and the relevant details
diungkapkan dalam catatan atas laporan have been presented in Note 36 of the
keuangan yang relevan dan rinciannya telah financial statements.
disajikan dalam Catatan 36 atas laporan
keuangan.
15
Page 552
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2.c. Aset dan Liabilitas Keuangan 2.c. Financial Assets and Liabilities
Aset keuangan dan liabilitas keuangan Bank The Bank’s financial assets and liabilities
terdiri atas: mainly consist of:
Golongan
Kategori yang berdasarkan PSAK 71/ (ditentukan oleh Bank)/ Subgolongan/
Category based on PSAK 71 Class Subclasses
(as determined by the Bank)
Kas/Cash
Giro pada Bank Indonesia/Current accounts with Bank Indonesia
Giro pada bank lain/Current accounts with other banks
Penempatan pada Bank Indonesia dan bank lain/Placements with Bank
Indonesia and other banks
Aset keuangan pada biaya perolehan diamortisasi/ Efek-efek yang dibeli dengan janji dijual kembali/Securities purchased under
Financial assets at amortized cost resale agreement
Aset keuangan/ Kredit yang diberikan/Loans
Financial assets
Pendapatan bunga yang masih akan diterima/Interest Receivables
Aset lain-lain/Other Assets Uang jaminan/Security deposits
Obligasi Pemerintah/ Government Bonds
Aset keuangan pada nilai wajar melalui penghasilan
komprehensif lain/ Sekuritas Rupiah Bank Indonesia/
Efek-efek/Marketable securities
Financial assets at fair value through other Bank Indonesia Rupiah Securities
comprehensive income
Sukuk Pemerintah/Government Sukuk
Simpanan nasabah/Deposits from customers
Simpanan dari bank lain/Deposits from other banks
Liabilitas keuangan yang diukur dengan biaya Efek-efek yang dijual dengan janji dibeli kembali/Securities sold under
Liabilitas keuangan/ repurchased agreement
perolehan diamortisasi/
Financial liabilities
Financial liabilities at amotized cost
Bunga yang masih harus dibayar/Accrued interests
Beban yang masih harus dibayar/
Liabilitas lain-lain/Other liabilities
Accrual expenses
Rekening Administratif/
Fasilitas kredit kepada nasabah yang belum digunakan/Unused loans facilities to debtors
Off Balance Sheet
(i) Klasifikasi (i) Classification
Bank mengklasifikasikan aset The Bank classifies its financial assets
keuangannya berdasarkan kategori according to the following categories at
sebagai berikut pada saat pengakuan initial recognition:
awal:
• Aset keuangan yang diukur pada nilai • • Financial assets measured at fair
wajar melalui laba rugi; value through profit or loss;
• Aset keuangan yang diukur pada nilai • Financial assets measured at fair
wajar melalui penghasilan value through other comprehensive
komprehensif lain; income;
• Aset keuangan yang diukur pada • Financial assets measured at
biaya perolehan diamortisasi. amortized cost.
Bank melakukan pengujian karakteristik The Bank assess the contractual cash flow
arus kas kontraktual dari aset keuangan characteristics of financial assets to
yang dikelola untuk mengetahui determine the characteristics of
karakteristik arus kas kontraktual berasal contractual cash flows only from the
hanya dari pembayaran pokok dan bunga payment of principal and interest from the
dari jumlah pokok terutang (Solely outstanding principal (Solely Payment of
Payment of Principal and Interest atau Principal and Interest or Pass SPPI) that is
Pass SPPI) yang konsisten dengan consistent with basic lending agreement.
pengaturan pinjaman dasar (Basic
Lending Agreement).
16
Page 553
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Dalam melakukan penilaian, Bank In making the assessment, the Bank
mempertimbangkan: considers:
• Imbalan untuk nilai waktu dari uang; • The time value of money element of
interest;
• Leverage; • Leverage;
• Variabilitas pada waktu dan jumlah • Variability in timing or amount of cash
arus kas; flows;
• Instrumen yang terkait secara • Contractually linked instruments;
kontraktual;
• Pembayaran dipercepat; dan • Early repayment; and
• Ketentuan kontrak tidak sah dan de • Non-genuine features and de
minimis. minimis.
Aset keuangan diukur pada biaya Financial assets are measured at
perolehan diamortisasi jika memenuhi amortized cost if they meet the following
kondisi sebagai berikut: conditions:
• Aset keuangan dikelola dalam model • • Financial assets are managed in a
bisnis yang bertujuan untuk memiliki business model that aims to have
aset keuangan dalam rangka financial assets in order to collect
mendapatkan arus kas kontraktual; contractual cash flow; and
dan
• Persyaratan kontraktual dari aset • The contractual terms of the financial
keuangan tersebut memberikan hak asset provide rights on a certain date
pada tanggal tertentu atas arus kas for cash flow obtained solely from
yang diperoleh semata dari payment of principal and interest
pembayaran pokok dan bunga (SPPI) (SPPI) on the principal amount
dari jumlah pokok terutang. outstanding.
Aset keuangan diukur pada nilai wajar Financial assets are measured at fair
melalui penghasilan komprehensif lain value through other comprehensive
(FVTOCI) jika memenuhi kondisi sebagai income (FVTOCI) if they meet the
berikut: following conditions:
• Aset keuangan dikelola dalam model • • Financial assets are managed in a
bisnis yang bertujuan untuk business model that aims to collect
mendapatkan arus kas kontraktual contractual cash flow and sell
dan menjual aset keuangan; dan financial assets; and
• Persyaratan kontraktual dari aset • The contractual requirements of the
keuangan tersebut memenuhi kriteria financial assets meet the SPPI
SPPI. criteria.
Pada saat pengakuan awal, Bank dapat At initial recognition, the Bank may make
membuat pilihan yang tidak dapat an irrevocable choice to present equity
dibatalkan untuk menyajikan instrumen instruments that are not held for trading at
ekuitas yang bukan dimiliki untuk fair value through other comprehensive
diperdagangkan pada nilai wajar melalui income.
penghasilan komprehensif lain.
Aset keuangan lainnya yang tidak Other financial assets that do not meet the
memenuhi persyaratan untuk requirements to be classified as financial
diklasifikasikan sebagai aset keuangan assets measured at amortized cost or fair
diukur pada biaya perolehan diamortisasi value through other comprehensive
atau nilai wajar melalui penghasilan income, are classified as measured at fair
komprehensif lain, diklasifikasikan sebagai value through profit or loss.
diukur pada nilai wajar melalui laba rugi.
Saat pengakuan awal Bank dapat At initial recognition, the Bank can make an
membuat penetapan yang tidak dapat irrevocable determination to measure
dibatalkan untuk mengukur aset yang assets that meet the requirements to be
memenuhi persyaratan untuk diukur pada measured at amortized cost or fair value
17
Page 554
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
biaya perolehan diamortisasi atau nilai through other comprehensive income at
wajar melalui penghasilan komprehensif fair value through profit or loss, if the
lain pada nilai wajar melalui laba rugi, determination eliminates or significantly
apabila penetapan tersebut mengeliminasi reduces the measurement or recognition
atau secara signifikan mengurangi inconsistencies (sometimes referred to as
inkonsistensi pengukuran atau pengakuan "accounting mismatch").
(kadang disebut sebagai ”accounting
mismatch”).
Penilaian model bisnis Evaluation of business models
Model bisnis ditentukan pada level yang The business model is determined at a
mencerminkan bagaimana kelompok aset level that reflects how Bank’s financial
keuangan dikelola bersama-sama untuk assets are managed together to achieve
mencapai tujuan bisnis tertentu. certain business objectives.
Penilaian model bisnis dilakukan dengan The evaluation of the business model is
mempertimbangkan, tetapi tidak terbatas carried out by considering, but not limited
pada, hal-hal berikut: to, the following:
• Bagaimana kinerja dari model bisnis • • How the performance of the
dan aset keuangan yang dimiliki business model and financial assets
dalam model bisnis dievaluasi dan held in the business model are
dilaporkan kepada personil evaluated and reported to the Bank's
manajemen kunci Bank; key management personnel;
• Apakah risiko yang memengaruhi • What risks affect the performance of
kinerja dari model bisnis (termasuk the business model (including
aset keuangan yang dimiliki dalam financial assets held in the business
model bisnis) dan khususnya model) and specifically how the
bagaimana cara aset keuangan financial assets are managed; and
tersebut dikelola; dan
• Bagaimana penilaian kinerja • How to evaluate the performance of
pengelola aset keuangan (sebagai managers of financial assets (for
contoh, apakah penilaian kinerja example, whether performance
berdasarkan nilai wajar dari aset yang appraisals are based on the fair value
dikelola atau arus kas kontraktual of the assets being managed or the
yang diperoleh). contractual cash flows obtained).
Aset keuangan yang dimiliki untuk Financial assets held for trading or
diperdagangkan atau dikelola dan managed and which performance
penilaian kinerjanya berdasarkan nilai appraisals based on fair value are
wajar diukur pada nilai wajar melalui laba measured at fair value through profit or
rugi. loss.
Derivatif juga dikategorikan dalam Derivatives are also categorized under this
kelompok ini, kecuali derivatif yang classification unless they are designated as
ditetapkan sebagai instrumen lindung nilai effective hedging instruments.
efektif.
Penilaian mengenai arus kas Evaluation of contractual cash flows
kontraktual yang diperoleh semata dari obtained solely from payment of
pembayaran pokok dan bunga principal and interest
Untuk tujuan penilaian ini, pokok For the purpose of this valuation, principal
didefinisikan sebagai nilai wajar dari aset is defined as the fair value of financial
keuangan pada saat pengakuan awal. assets at initial recognition. Interest is
Bunga didefinisikan sebagai imbalan untuk defined as compensation for the time value
nilai waktu atas uang dan risiko kredit of money and credit risk in relation to the
terkait jumlah pokok terutang pada periode principal amount owed over a certain
waktu tertentu dan juga risiko dan biaya period of time and also the risk and
peminjaman standar, dan juga marjin laba. standard borrowing costs, as well as profit
margins.
18
Page 555
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Penilaian mengenai arus kas kontraktual An assessment of contractual cash flows
yang diperoleh semata dari pembayaran obtained solely from principal and interest
pokok dan bunga dilakukan dengan payments is made by considering
mempertimbangkan persyaratan contractual terms, including whether
kontraktual, termasuk apakah aset financial assets contain contractual terms
keuangan mengandung persyaratan that can change the timing or amount of
kontraktual yang dapat mengubah waktu contractual cash flows. In assessing, the
atau jumlah arus kas kontraktual. Dalam Bank considers:
melakukan penilaian, Bank
mempertimbangkan:
• Peristiwa kontinjensi yang akan • • Contingency events that will change
mengubah waktu atau jumlah arus the timing or amount of contractual
kas kontraktual; cash flow;
• Fitur leverage; • Leverage feature;
• Persyaratan pembayaran di muka • Terms of advance payment and
dan perpanjangan kontraktual; contractual extension;
• Persyaratan mengenai klaim yang • Requirements regarding limited
terbatas atas arus kas yang berasal claims for cash flows from specific
dari aset spesifik; dan assets; and
• Fitur yang dapat mengubah nilai • Features that can change the time
waktu dari elemen uang. value of the money element.
Liabilitas keuangan diklasifikasikan ke Financial liabilities are classified into the
dalam kategori sebagai berikut pada saat following categories at initial recognition:
pengakuan awal:
• Liabilitas keuangan yang diukur pada • • Financial liabilities at fair value
nilai wajar melalui laporan laba rugi, through profit or loss, which has 2
yang memiliki 2 (dua) sub-klasifikasi, (two) sub-classifications, i.e. those
yaitu liabilitas keuangan yang designated as such upon initial
ditetapkan demikian pada saat recognition and those classified as
pengakuan awal dan liabilitas held for trading;
keuangan yang telah diklasifikasikan
dalam kelompok diperdagangkan;
• Liabilitas keuangan lain. Liabilitas • Other financial liabilities. Other
keuangan lainnya merupakan liabilitas financial liabilities pertain to financial
keuangan yang tidak dimiliki untuk liabilities that are not held for trading
dijual atau ditentukan sebagai nilai nor designated as at fair value
wajar melalui laba rugi saat through profit or loss upon recognition
pengakuan liabilitas. of the liability.
(ii) Pengakuan (ii) Recognition
Bank pada awalnya mengakui kredit yang The Bank initially recognizes loans and
diberikan serta simpanan pada tanggal deposits on the date of origination. Regular
perolehan. Pembelian dan penjualan aset way purchases and sales of financial
keuangan yang lazim (reguler) diakui pada assets are recognized on the trade date at
tanggal perdagangan dimana Bank which the Bank commits to purchase or sell
memiliki komitmen untuk membeli atau the asset. All other financial assets and
menjual aset tersebut. Semua aset dan liabilities are initially recognized on the
liabilitas keuangan lainnya pada awalnya trade date at which the Bank becomes a
diakui pada tanggal perdagangan dimana party to the contractual provisions of the
Bank menjadi suatu pihak dalam instruments.
ketentuan kontraktual instrumen tersebut.
Pada saat pengakuan awal, aset atau A financial asset or liability is initially
liabilitas keuangan diukur pada nilai wajar measured at fair value plus (for an item not
ditambah (untuk item yang tidak diukur valued at fair value through profit and loss
pada nilai wajar melalui laba rugi setelah at initial recognition) transaction costs
pengakuan awal) biaya transaksi yang subsequently measured at fair value that
19
Page 556
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
dapat diatribusikan secara langsung atas are directly attributable to the acquisition of
perolehan aset keuangan atau penerbitan financial assets or issuance of financial
liabilitas keuangan. Pengukuran aset dan liabilities. The subsequent measurement of
liabilitas keuangan setelah pengakuan assets and liabilities depends on their
awal tergantung pada klasifikasi aset dan classifications.
liabilitas keuangan tersebut.
Biaya transaksi hanya meliputi biaya- Transaction costs include only those costs
biaya yang dapat diatribusikan secara that are directly attributable to the
langsung untuk perolehan suatu aset acquisition of a financial asset or issue of a
keuangan atau penerbitan suatu liabilitas financial liability and are incremental costs
keuangan dan merupakan biaya that would not have been incurred if the
tambahan yang tidak akan terjadi apabila instrument had not been acquired or
instrumen keuangan tersebut tidak issued. In the case of financial assets,
diperoleh atau diterbitkan. Untuk aset transaction costs are added to the amount
keuangan, biaya transaksi ditambahkan recognized initially, while for financial
pada jumlah yang diakui pada awal liabilities, transaction costs are deducted
pengakuan aset, sedangkan untuk from the amount of debt recognized
liabilitas keuangan, biaya transaksi initially.
dikurangkan dari jumlah utang yang diakui
pada awal pengakuan liabilitas.
Biaya transaksi tersebut diamortisasi Such transaction costs are amortized over
selama umur instrumen berdasarkan the terms of the instruments based on the
metode suku bunga efektif dan dicatat effective interest method and are recorded
sebagai bagian dari pendapatan bunga as part of interest income for transaction
untuk biaya transaksi sehubungan dengan costs related to financial assets or interest
aset keuangan atau sebagai bagian dari expense for transaction costs related to
beban bunga untuk biaya transaksi financial liabilities.
sehubungan dengan liabilitas keuangan.
Liabilitas keuangan pada awalnya diukur Financial liabilities are initially measured at:
pada:
(i) Liabilitas keuangan yang diukur pada (i) Financial liabilities at fair value through
nilai wajar melalui laba rugi. profit or loss.
Kategori ini terdiri dari dua subkategori: This category consists of two sub
liabilitas keuangan diklasifikasikan categories: financial liabilities
sebagai diperdagangkan dan liabilitas classified as trading and financial
keuangan yang pada saat pengakuan liabilities which at initial recognition
awal telah ditetapkan diukur pada nilai were designated at fair value through
wajar melalui laba rugi. profit or loss.
(ii) Liabilitas keuangan yang diukur (ii) Financial liabilities at amortized cost,
dengan biaya perolehan diamortisasi, except:
kecuali:
a. Liabilitas keuangan yang diukur a. Financial liabilities at fair value
pada nilai wajar melalui laba rugi. through profit or loss.
b. Liabilitas keuangan yang b. Financial liabilities that arise when
timbul ketika pengalihan aset a transfer of a financial asset does
keuangan tidak memenuhi syarat not qualify for derecognition or
penghentian pengakuan atau when the continuing involvement
ketika pendekatan keterlibatan approach is applied.
berkelanjutan diterapkan.
c. Kontrak jaminan keuangan. c. Financial guarantee contracts.
d. Komitmen dengan suku bunga di d. Commitment to provide loans at
bawah pasar. below market interest rates.
Imbalan kontinjensi yang diakui oleh pihak Contingent consideration recognized by the
pengakuisisi dalam kombinasi bisnis. acquirer in the business combination.
20
Page 557
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
(iii) Pengukuran setelah pengakuan awal (iii) Subsequent Measurement
Setelah pengakuan awal, Bank mengukur After initial recognition, the Bank measures
aset keuangan, sesuai dengan klasifikasi financial assets, according to the
aset keuangan pada: classification of financial assets at:
a. Biaya perolehan diamortisasi. a. Amortized cost.
b. Nilai wajar melalui penghasilan b. Fair value through other
komprehensif lain. comprehensive income.
c. Nilai wajar melalui laba rugi. c. Fair value through profit or loss.
a. Aset keuangan pada biaya a. Financial assets at amortized cost
perolehan diamortisasi
Aset keuangan pada biaya perolehan Financial assets at amortized cost are
diamortisasi diukur dengan measured by adding up the financial
menjumlahkan aset keuangan yang assets measured at initial recognition
diukur saat pengakuan awal dikurangi minus principal payments, added or
pembayaran pokok, ditambah atau reduced by cumulative amortization
dikurangi dengan amortisasi kumulatif using the effective interest method
menggunakan metode bunga efektif calculated from the difference between
yang dihitung dari selisih antara nilai the initial value and the maturity value
awal dan nilai jatuh temponya dan and adjusted for the allowance for
disesuaikan dengan penyisihan losses.
kerugiannya.
Keuntungan atau kerugian akibat Gains or losses due to fluctuations in
fluktuasi nilai wajar tidak diakui untuk fair value are not recognized for the
aset keuangan pada biaya perolehan financial assets at amortized cost.
diamortisasi.
Pendapatan bunga dihitung Interest income is calculated using the
menggunakan metode bunga efektif effective interest method by applying
yaitu dengan menerapkan suku bunga an effective interest rate to the gross
efektif atas jumlah tercatat bruto aset carrying amount of financial assets,
keuangan, kecuali untuk: except for:
• Aset keuangan yang dibeli atau • Financial assets purchased or
yang berasal dari aset keuangan originating from financial assets
memburuk. Untuk aset keuangan deteriorate. For these financial
tersebut, Bank menerapkan suku assets, the Bank applies an effective
bunga efektif yang disesuaikan interest rate adjusted by credit for
dengan kredit atas biaya perolehan the amortized cost of the financial
diamortisasi aset keuangan sejak assets from initial recognition.
pengakuan awal.
• Aset keuangan yang tidak dibeli • Financial assets that are not
atau yang berasal dari aset purchased or that originate from
keuangan memburuk tetapi financial assets deteriorate but
selanjutnya menjadi aset keuangan subsequently become financial
memburuk. Untuk aset keuangan assets deteriorate. For these
tersebut, Bank menerapkan suku financial assets, the Bank applies an
bunga efektif atas biaya perolehan effective interest rate on the
diamortisasi aset keuangan di amortized cost of the financial assets
periode pelaporan selanjutnya. in the next reporting period.
Bank dalam suatu periode pelaporan The Bank in a reporting period
menghitung pendapatan bunga dengan calculates interest income by applying
menerapkan metode bunga efektif atas the effective interest method on the
biaya perolehan diamortisasi aset acquisition cost of amortized financial
keuangan, pada periode pelaporan assets, in the next reporting period,
selanjutnya, menghitung pendapatan calculating interest income by applying
bunga dengan menerapkan suku an effective interest rate on the gross
21
Page 558
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
bunga efektif atas jumlah tercatat bruto carrying amount if the credit risk of the
jika risiko kredit instrumen keuangan financial instrument improves so that
tersebut membaik sehingga aset the financial assets no longer
keuangan tidak lagi mengalami experience Impairment of credit value
penurunan nilai kredit dan perbaikan and improvement can be objectively
tersebut secara objektif dapat dikaitkan related to an event that occurs after the
dengan suatu peristiwa yang terjadi requirements listed in the second point
setelah persyaratan yang tercantum of the above paragraph are applied (for
dalam poin kedua pada paragraf di example, an improvement in the
atas diterapkan (misalnya, perbaikan borrower's credit rating).
peringkat kredit peminjam).
b. Aset keuangan pada nilai wajar b. Financial assets at fair value
melalui penghasilan komprehensif through other comprehensive
lain income
Keuntungan atau kerugian aset Gains or losses of financial assets
keuangan yang diukur pada nilai wajar measured at fair value through other
melalui penghasilan komprehensif lain comprehensive income are recognized
diakui dalam penghasilan in other comprehensive income until
komprehensif lain sampai aset the financial assets are derecognized
keuangan dihentikan pengakuannya or reclassified, except:
atau direklasifikasi, kecuali:
• Bunga yang dihitung menggunakan • Interest calculated using the
metode bunga efektif diakui dalam effective interest method is
laba rugi, jumlah yang diakui dalam recognized in profit or loss, the
laba rugi sama dengan jumlah yang amount recognized in profit or loss
akan diakui dalam laba rugi jika aset is equal to the amount to be
keuangan diukur pada biaya recognized in profit or loss if the
perolehan diamortisasi; financial asset is measured at
amortized cost;
• Keuntungan atau kerugian • Impairment gains or losses; or
penurunan nilai; atau
• Keuntungan atau kerugian selisih • Foreign Exchange gains or losses.
kurs.
Ketika aset keuangan dihentikan When a financial asset is
pengakuannya, keuntungan atau derecognized, the cumulative gain or
kerugian kumulatif yang telah diakui loss previously recognized in other
sebelumnya dalam penghasilan comprehensive income is reclassified
komprehensif lain direklasifikasi dari from equity to profit or loss as a
ekuitas ke laba rugi sebagai reclassification adjustment.
penyesuaian reklasifikasi.
Khusus untuk aset keuangan Specifically for financial assets in the
berbentuk instrumen ekuitas, jumlah form of equity instruments, the
yang disajikan pada penghasilan amounts presented in other
komprehensif lainnya tidak selanjutnya comprehensive income are not
dialihkan ke laba rugi. Akan tetapi, subsequently transferred to profit or
Bank dapat mengalihkan keuntungan loss. However, the Bank can transfer
atau kerugian kumulatif pada ekuitas. cumulative gains or losses on equity.
Sesuai dengan paragraf sebelumnya, In accordance with the previous
jika aset keuangan diukur pada nilai paragraph, if a financial asset is
wajar melalui penghasilan measured at fair value through other
komprehensif lain, jumlah yang diakui comprehensive income, the amount
dalam laba rugi sama dengan jumlah recognized in profit or loss is the same
yang akan diakui dalam laba rugi jika as the amount to be recognized in
aset keuangan diukur pada biaya profit or loss if the financial asset is
perolehan diamortisasi. measured at amortized cost.
22
Page 559
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
c. Aset keuangan pada nilai wajar c. Financial assets at fair value
melalui laba rugi through profit or loss
Aset dinilai pada nilai wajar. Seluruh Assets are valued at fair value. All
keuntungan dan kerugian yang timbul gains and losses arising from changes
akibat perubahan nilai wajar diakui in fair value are recognized in profit or
pada laporan laba rugi, kecuali loss, except for hedging instruments
instrumen lindung nilai yang ditetapkan that are designated in certain hedging
ke dalam hubungan lindung nilai relationships.
tertentu.
Bank menerapkan persyaratan penurunan The Bank applies an impairment
nilai untuk aset keuangan yang diukur requirement for financial assets measured
pada biaya perolehan diamortisasi dan at amortized cost and financial assets in
aset keuangan dalam bentuk instrumen the form of debt instruments that are
utang yang diukur pada nilai wajar melalui measured at fair value through other
penghasilan komprehensif lain. comprehensive income.
Investasi dalam instrumen ekuitas yang Investment in equity instruments that do
tidak memiliki harga kuotasian di pasar not have a quoted market price in an
aktif dan nilai wajarnya tidak dapat diukur active market and whose fair value cannot
secara andal diukur pada biaya perolehan. be reliably measured are measured at
cost.
Setelah pengakuan awal, Bank mengukur After initial recognition, the Bank
liabilitas keuangan, sesuai dengan measures financial liabilities, according to
klasifikasi aset keuangan pada: the classification of financial assets at:
a. Biaya perolehan diamortisasi; atau a. Amortized cost; or
b. Nilai wajar melalui laba rugi. b. Fair value through profit or loss.
Untuk liabilitas keuangan yang diukur For financial liabilities measured at profit
pada laba rugi, keuntungan dan kerugian or loss, gains and losses are recognized in
diakui pada laba rugi. Terdapat profit or loss. There are exceptions in the
pengecualian pada kasus liabilitas case of financial liabilities designated as
keuangan ditetapkan sebagai FVTPL FVTPL where changes in credit liability
dimana perubahan risiko kredit liabilitas risks are recognized in other
diakui pada penghasilan komprehensif lain comprehensive income with other gains
dengan keuntungan dan kerugian lainnya and losses recognized in profit or loss.
diakui pada laba rugi.
Setelah pengakuan awal, liabilitas After initial recognition, financial liabilities
keuangan yang diukur pada FVTPL diukur at FVTPL are measured at its fair value.
pada nilai wajarnya. Keuntungan atau Gains or losses arising from a change in
kerugian yang timbul dari perubahan nilai the fair value are recognized in profit or
wajar diakui dalam laba rugi. loss.
(iv) Penghentian pengakuan (iv) Derecognition
Bank menghentikan pengakuan aset The Bank derecognizes a financial asset
keuangan pada saat hak kontraktual atas when the contractual rights to the cash
arus kas yang berasal dari aset keuangan flows from the financial asset expire, or
tersebut kedaluwarsa, atau pada saat Bank when the Bank transfers the rights to
mentransfer seluruh hak untuk menerima receive the contractual cash flows on the
arus kas kontraktual dari aset keuangan financial asset in a transaction in which
dalam transaksi dimana Bank secara substantially all the risks and rewards of
substansial telah mentransfer seluruh ownership of the financial asset are
risiko dan manfaat atas kepemilikan aset transferred. Any interest in transferred
keuangan yang ditransfer. Setiap hak atau financial assets that is created or retained
liabilitas atas aset keuangan yang by the Bank is recognized as a separate
ditransfer yang timbul atau yang masih asset or liability.
dimiliki oleh Bank diakui sebagai aset atau
liabilitas secara terpisah.
23
Page 560
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Bank menghentikan pengakuan liabilitas The Bank derecognizes a financial liability
keuangan pada saat liabilitas yang when its contractual obligations are
ditetapkan dalam kontrak dilepaskan atau discharged or cancelled or expired.
dibatalkan atau kedaluwarsa.
Dalam transaksi dimana Bank secara In transactions in which the Bank neither
substansial tidak memiliki atau tidak retains nor transfers substantially all the
mentransfer seluruh risiko dan manfaat risks and rewards of ownership of a
atas kepemilikan aset keuangan, Bank financial asset, the Bank derecognizes the
menghentikan pengakuan aset tersebut asset if it does not retain control over the
jika Bank tidak lagi memiliki pengendalian asset. The rights and obligations retained
atas aset tersebut. Hak dan kewajiban in the transfer are recognized separately
yang timbul atau yang masih dimiliki as assets and liabilities as appropriate. In
dalam transfer tersebut diakui secara transfers in which control over the asset is
terpisah sebagai aset atau liabilitas. retained, the Bank continues to recognize
Dalam transfer dimana pengendalian atas the asset to the extent of its continuing
aset masih dimiliki, Bank tetap mengakui involvement, determined by the extent to
aset yang ditransfer tersebut sebesar which it is exposed to changes in the value
keterlibatan berkelanjutan, dimana tingkat of the transferred asset.
keberlanjutan Bank dalam aset yang
ditransfer adalah sebesar perubahan nilai
aset yang ditransfer.
Bank menghapusbukukan saldo kredit dan The Bank writes off credit balances and
efek utang untuk tujuan investasi, dan debt securities for investment purposes,
cadangan kerugian penurunan nilai terkait, and any related allowance for impairment
pada saat Bank menentukan bahwa kredit losses, when the Bank determines that the
atau efek-efek tersebut tidak dapat ditagih. loan or security is uncollectible. This
Keputusan ini diambil setelah determination is reached after considering
mempertimbangkan informasi seperti telah information such as the occurrence of
terjadinya perubahan signifikan pada significant changes in the
posisi keuangan debitur/penerbit sehingga borrowers/issuers financial position such
debitur/penerbit tidak lagi dapat melunasi that the borrower/issuer can no longer pay
liabilitasnya, atau hasil penjualan agunan the obligation, or that proceeds from
tidak akan cukup untuk melunasi seluruh collateral will not be sufficient to pay back
eksposur kredit yang diberikan. the entire exposure.
(v) Saling hapus (v) Offsetting
Aset keuangan dan liabilitas keuangan Financial assets and financial liabilities are
saling hapus dan nilai netonya dilaporkan offset and the net amount is reported in
di laporan posisi keuangan jika, dan hanya the statement of financial position if, and
jika, saat ini terdapat hak yang only if, there is currently an enforceable
berkekuatan hukum untuk saling hapus legal rights to offset the recognized
jumlah keduanya dan terdapat intensi amounts and there is an intention to settle
untuk diselesaikan secara neto, atau untuk on a net basis, or to realize the assets and
merealisasikan aset dan menyelesaikan settle the liabilities simultaneously.
liabilitas secara bersamaan.
Hak yang berkekuatan hukum berarti: Enforceable right means:
a. tidak terdapat kontinjensi di masa a. there are no contingencies in the
yang akan datang, dan future, and
b. hak yang berkekuatan hukum pada b. enforceable right to the following
kondisi-kondisi berikut ini: conditions;
i. kegiatan bisnis normal; i. deploying normal activities;
ii. kondisi kegagalan usaha; dan ii. conditions of business failures; and
iii. kondisi gagal bayar atau bangkrut. iii. conditions of default or bankruptcy.
24
Page 561
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Pendapatan dan beban disajikan dalam Income and expenses are presented on a
jumlah bersih hanya jika diperkenankan net basis only when permitted by
oleh standar akuntansi. accounting standards.
(vi) Pengukuran biaya diamortisasi (vi) Amortized cost measurement
Biaya perolehan diamortisasi dari aset The amortized cost of a financial asset or
atau liabilitas keuangan adalah jumlah liability is the amount at which the financial
aset atau liabilitas keuangan yang diukur asset or liability is measured at initial
pada saat pengakuan awal dikurangi recognition, minus principal repayments,
pembayaran pokok, ditambah atau plus or minus the cumulative amortization
dikurangi dengan amortisasi kumulatif using the effective interest method of any
dengan menggunakan metode suku difference between the initial amount
bunga efektif yang dihitung dari selisih recognized and the maturity amount, less
antara nilai awal dan nilai jatuh temponya, allowance for impairment losses.
dan dikurangi cadangan kerugian
penurunan nilai.
(vii) Pengukuran nilai wajar (vii) Fair value measurement
Nilai wajar adalah harga yang akan Fair value is the price that would be
diterima untuk menjual suatu aset atau received to sell an asset or paid to transfer
harga yang akan dibayar untuk a liability in an orderly transaction between
mengalihkan suatu liabilitas dalam market participants at the measurement
transaksi teratur antara pelaku pasar pada date.
tanggal pengukuran.
Pengukuran nilai wajar mengasumsikan The fair value measurement is based on
bahwa transaksi untuk menjual aset atau the presumption that the transaction to sell
mengalihkan liabilitas terjadi: the asset or transfer the liability takes
place either:
- Di pasar utama untuk aset dan liabilitas - In the primary market for the asset and
tersebut; atau liability; or
- Jika tidak terdapat pasar utama, dipasar - In the absence of a primary market, in
yang paling menguntungkan untuk aset the most advantageous market for the
atau liabilitas tersebut. asset or liability.
Nilai wajar suatu aset atau liabilitas diukur The fair value of an asset or a liability is
menggunakan asumsi yang akan measured using the assumptions that
digunakan pelaku pasar ketika market participants would use when
menentukan harga aset dan liabilitas pricing the asset or liability, assuming that
tersebut dengan asumsi bahwa pelaku market participants act in their economic
pasar bertindak dalam kepentingan best interest.
ekonomik terbaiknya.
Pengukuran nilai wajar aset non- A fair value measurement of a non-
keuangan memperhitungkan kemampuan financial asset takes into account a market
pelaku pasar untuk menghasilkan manfaat participant's ability to generate economic
ekonomik dengan menggunakan aset benefits by using the asset in its highest
dalam penggunaan tertinggi dan and best use or by selling it to another
terbaiknya atau dengan menjualnya market participant that would use the
kepada pelaku pasar lain yang akan asset in its highest and best use.
menggunakan aset tersebut dalam
penggunaan tertinggi dan terbaiknya.
Bank menggunakan teknik penilaian yang The Bank uses valuation techniques that
sesuai dalam keadaan dan dimana data are appropriate in the circumstances and
yang memadai tersedia untuk mengukur for which sufficient data are available to
nilai wajar, memaksimalkan penggunaan measure fair value, maximizing the use of
input yang dapat diobservasi yang relevan relevant observable inputs and minimizing
dan meminimalkan penggunaan input the use of unobservable inputs.
yang tidak dapat diobservasi.
25
Page 562
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Semua aset dan liabilitas dimana nilai All assets and liabilities for which fair value
wajar diukur atau diungkapkan dalam is measured or disclosed in the financial
laporan keuangan dapat dikategorikan statements are categorized within the fair
pada level hierarki nilai wajar, berdasarkan value hierarchy, described as follows,
tingkatan input terendah yang signifikan based on the lowest level input that is
atas pengukuran nilai wajar secara significant to the fair value measurement
keseluruhan: as a whole:
- Level 1 : - Level 1 :
harga kuotasian (tanpa penyesuaian) di quoted (unadjusted) market prices in
pasar aktif untuk aset atau liabilitas active markets for identical assets or
yang identik; liabilities;
- Level 2 : - Level 2 :
input selain harga kuotasian yang inputs other than quoted prices
termasuk dalam Level 1 yang dapat included within Level 1 that are
diobservasi untuk aset dan liabilitas observable for the asset or liability
baik secara langsung (misalnya, harga) either directly (example, price) or
atau secara tidak langsung; indirectly;
- Level 3 : - Level 3 :
input untuk aset dan liabilitas yang inputs for the asset and liability that
bukan berdasarkan data pasar yang are not based on observable market
dapat diobservasi (input yang tidak data (unobservable inputs).
dapat diobservasi).
Untuk aset dan liabilitas yang diakui pada For assets and liabilities that are
laporan keuangan secara berulang, Bank recognized in the financial statements on a
menentukan apakah terjadi transfer antara recurring basis, the Bank determines
level di dalam hierarki dengan cara whether transfers have occurred between
mengevaluasi kategori (berdasarkan input levels in the hierarchy by re-assessing
level terendah yang signifikan dalam categorization (based on the lowest level
pengukuran nilai wajar) setiap akhir input that is significant to the fair value
periode pelaporan. measurement as a whole) at the end of
each reporting period.
(viii) Reklasifikasi Instrumen Keuangan (viii) Reclassification of Financial Instruments
Bank mereklasifikasi aset keuangan jika The Bank reclassifies financial assets if
dan hanya jika, model bisnis untuk and only if, the business model for
pengelolaan aset keuangan berubah. managing financial assets changes.
Reklasifikasi aset keuangan dari klasifikasi Reclassifications of financial assets from
biaya perolehan yang diamortisasi ke amortized cost classifications to fair value
klasifikasi nilai wajar melalui laba rugi through profit or loss are recorded at fair
dicatat sebesar nilai wajarnya. Selisih value. The difference between the
antara nilai tercatat dengan nilai wajar recorded value and fair value is
diakui sebagai keuntungan atau kerugian recognized in profit or loss on the
pada laba rugi. statement of profit or loss and other
comprehensive income.
Reklasifikasi aset keuangan dari klasifikasi Reclassifications of financial assets from
biaya perolehan yang diamortisasi ke amortized cost classifications to fair value
klasifikasi nilai wajar melalui penghasilan classifications through other
komprehensif lain dicatat sebesar nilai comprehensive are recorded at their fair
wajarnya. values.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
nilai wajar melalui penghasilan fair value classification through other
komprehensif lain ke klasifikasi nilai wajar comprehensive income to fair value
melalui laba rugi dicatat pada nilai wajar. classification through profit or loss is
Keuntungan atau kerugian yang belum recorded at fair value. Unrealized gains or
direalisasi direklasifikasi ke laba rugi. losses are reclassified to profit or loss.
26
Page 563
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
nilai wajar melalui penghasilan fair value classifications through other
komprehensif lain ke klasifikasi biaya comprehensive income to the amortized
perolehan yang diamortisasi dicatat pada cost classification is recorded at carrying
nilai tercatat. Keuntungan atau kerugian value. Unrealized gains or losses are
yang belum direalisasi dihapus dari removed from equity and adjusted against
ekuitas dan disesuaikan terhadap nilai the fair value.
wajar.
Reklasifikasi aset keuangan dari klasifikasi Reclassifications of financial assets from
nilai wajar melalui laba rugi ke klasifikasi fair value classification through profit or
nilai wajar melalui penghasilan loss to fair value classification through
komprehensif lain dicatat pada nilai wajar. other comprehensive income are recorded
at fair value.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
nilai wajar melalui laba rugi ke klasifikasi fair value classification through profit or
biaya perolehan yang diamortisasi dicatat loss to amortized cost classification is
pada nilai wajar. recorded at fair value.
2.d. Kas 2.d. Cash
Kas meliputi kas kecil dan kas besar. Cash includes petty cash and cash.
2.e. Giro pada Bank Indonesia dan bank lain 2.e. Current accounts with Bank Indonesia and
other banks
Giro pada Bank Indonesia dan bank lain The current accounts with Bank Indonesia and
diklasifikasikan sebagai biaya perolehan yang other banks are classified as amortized cost and
diamortisasi dan dinyatakan sebesar biaya stated at amortized cost using the effective
perolehan diamortisasi menggunakan metode interest rate (EIR) method as disclosed in
suku bunga efektif (EIR) sebagaimana Note 2c.
diungkapkan dalam Catatan 2c.
2.f. Penempatan pada Bank Indonesia dan bank 2.f. Placements with Bank Indonesia and other
lain banks
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia and other
lain merupakan penempatan call money, banks consist of call money, Bank Indonesia
Fasilitas Simpanan Bank Indonesia dan Deposit Facilities and time deposits.
deposito berjangka.
Penempatan pada Bank Indonesia dinyatakan Placements with Bank Indonesia are stated at
sebesar saldo penempatan dikurangi dengan the outstanding balances, less unearned
pendapatan bunga yang ditangguhkan. interest income.
Penempatan pada Bank Indonesia dan bank The placements with Bank Indonesia and other
lain diklasifikasikan sebagai biaya perolehan banks are classified as amortized cost which are
diamortisasi yang dinyatakan sebesar biaya stated at amortized cost using the effective
perolehan diamortisasi menggunakan metode interest rate (EIR) method.
suku bunga efektif (EIR).
2.g. Efek-efek 2.g. Securities
Efek-efek terdiri dari Obligasi Pemerintah Securities consist of Government Bonds,
Indonesia, Sukuk Pemerintah Indonesia, dan Government Sukuk, and Bank Indonesia
Sekuritas Rupiah Bank Indonesia (“SRBI”) Rupiah Securities (“SRBI”).
Pada saat pengakuan awal, efek-efek dicatat At initial recognition, marketable securities are
sesuai dengan kategorinya yaitu aset recorded according to their category, i.e.,
keuangan diklasifikasikan pada biaya amortized cost, fair value through other
perolehan diamortisasi, nilai wajar melalui comprehensive income, or at fair value through
penghasilan komprehensif lain, atau nilai wajar profit or loss.
melalui laba rugi.
27
Page 564
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Pengukuran efek-efek didasarkan atas The measurement of securities are based on
klasifikasinya sebagai berikut: the classification of the securities as follows:
Aset keuangan yang diukur pada nilai wajar Financial assets measured at fair value
melalui penghasilan komprehensif lain. through other comprehensive income.
Efek-efek yang diklasifikasikan sebagai dinilai Marketable securities which are classified
pada nilai wajar melalui penghasilan under fair value through other comprehensive
komprehensif lain dinyatakan pada nilai wajar. income investments are stated at fair value.
Pendapatan bunga diakui dalam laba rugi Interest income is recognized in the profit or
menggunakan metode suku bunga efektif. loss using the effective interest method.
Laba atau rugi selisih kurs atas surat-surat Foreign exchange gains or losses on securities
berharga diakui pada laba rugi. are recognized in the profit or loss.
Perubahan nilai wajar lainnya diakui langsung Other fair value changes are recognized
dalam ekuitas sampai surat-surat berharga directly in equity until the securities are sold or
dijual atau mengalami penurunan nilai, dimana impaired, whereby the cumulative gains and
akumulasi keuntungan dan kerugian yang losses previously recognized in the equity are
sebelumnya diakui dalam ekuitas diakui dalam recognized in the profit or loss.
laba rugi.
2.h. Efek-efek yang Dibeli dengan Janji Dijual 2.h. Securities Purchased under Resell
Kembali dan Efek-efek yang Dijual dengan Agreements and Securities Sold under
Janji Dibeli Kembali Repurchased Agreements
Efek-efek yang dibeli dengan janji dijual Securities purchased under resell agreements
kembali diklasifikasikan sebagai biaya are classified as amortized cost.
perolehan yang diamortisasi.
Efek-efek yang dibeli dengan janji dijual Securities purchased under resell agreements
kembali disajikan sebagai aset dalam laporan are presented as assets in the statement of
posisi keuangan sebesar jumlah penjualan financial position, at the resale price net of
kembali dikurangi dengan pendapatan bunga unamortized interest income and allowance for
yang belum diamortisasi dan cadangan impairment losses.
kerugian penurunan nilai.
Selisih antara harga beli dan harga jual kembali The difference between the purchase price and
diperlakukan sebagai pendapatan bunga yang the resale price is treated as unearned interest
ditangguhkan, dan diakui sebagai pendapatan income and recognized as income over the
selama periode sejak efek-efek tersebut dibeli period starting from when those securities are
hingga dijual menggunakan suku bunga efektif. purchased until they are sold using effective
interest rate method.
Efek-efek yang dijual dengan janji dibeli Securities sold under repurchased agreements
kembali diklasifikasikan sebagai liabilitas are classified as financial liabilities measured at
keuangan yang diukur dengan biaya perolehan amortized cost.
diamortisasi.
Efek-efek yang dijual dengan janji dibeli Securities sold under repurchased agreements
kembali yang dimiliki terdiri dari Obligasi consists of Government Bonds.
Pemerintah.
Efek-efek yang dijual dengan janji dibeli Securities sold under repurchased agreements
kembali disajikan sebagai liabilitas dalam are presented as liabilities in the statement of
laporan posisi keuangan sebesar harga financial position at the agreed repurchase
pembelian kembali yang disepakati dikurangi price less unamortized unpaid interest. The
dengan bunga dibayar di muka yang belum difference between the agreed selling price and
diamortisasi. Selisih antara harga jual dan repurchase price is treated as interest expense
harga beli kembali yang disepakati payable and recognized as interest expense
28
Page 565
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
diperlakukan sebagai beban bunga dibayar di over the period from the time the securities are
muka dan diakui sebagai beban bunga selama sold until they are repurchased using the
jangka waktu sejak efek-efek tersebut dijual effective interest rate method.
hingga dibeli kembali dengan menggunakan
metode suku bunga efektif.
Efek-efek yang dijual dengan janji untuk dibeli Securities sold under repurchased agreements
kembali diklasifikasikan sebagai liabilitas are classified as financial liabilities at amortized
keuangan yang diukur dengan biaya perolehan cost.
diamortisasi.
2.i. Provisi dan kontinjensi 2.i. Provisions and contingencies
Provisi diakui jika Bank memiliki kewajiban kini Provisions are recognized when the Bank has a
(baik bersifat hukum maupun bersifat present obligation (legal or constructive) where,
konstruktif) yang akibat peristiwa masa lalu as a result of a past event, it is probable that an
besar kemungkinannya penyelesaian kewajiban outflow of resources embodying economic
tersebut mengakibatkan arus keluar sumber benefits will be required to settle the obligation
daya yang mengandung manfaat ekonomi dan and a reliable estimate can be made of the
estimasi yang andal mengenai jumlah amount of the obligation.
kewajiban tersebut dapat dibuat.
Provisi ditelaah pada setiap tanggal pelaporan Provisions are reviewed at each reporting date
dan disesuaikan untuk mencerminkan estimasi and adjusted to reflect the current best
terbaik yang paling kini. Jika kemungkinan estimate. If it is no longer probable that an
besar tidak terjadi arus keluar sumber daya outflow of resources embodying economic
yang mengandung manfaat ekonomi untuk benefits will be required to settle the obligation,
menyelesaikan liabilitas tersebut, maka provisi the provision is reversed.
dibatalkan.
Aset dan kewajiban kontinjensi tidak diakui Contingent assets and liabilities are not
dalam laporan keuangan. Liabilitas kontinjensi recognized in the financial statements.
diungkapkan dalam laporan keuangan, kecuali Contingent liabilities are disclosed in the
kemungkinan arus keluar sumber daya yang financial statements, unless the possibility of an
mewujudkan manfaat ekonomi bersifat kecil. outflow of resources embodying economic
Aset kontinjensi diungkapkan dalam laporan benefits is remote. Contingent assets are
keuangan di mana kemungkinan besar terjadi disclosed in the financial statements where
arus masuk manfaat ekonomi. inflow of economic benefits is probable.
2.j. Kredit yang diberikan 2.j. Loans
Kredit yang diberikan pada awalnya diukur Loans are initially measured at fair value plus
pada nilai wajar ditambah biaya transaksi yang incremental transaction costs which can be
dapat diatribusikan secara langsung dan directly attributable and are additional costs to
merupakan biaya tambahan untuk memperoleh obtain those financial assets, and subsequently
aset keuangan tersebut, dan setelah measured at their amortized cost using the
pengakuan awal diukur pada biaya perolehan effective interest method. Allowance for
diamortisasi dengan menggunakan metode impairment losses is assessed if there is an
suku bunga efektif. Cadangan kerugian atas indication of impairment using the impairment
penurunan nilai dilakukan bila terdapat bukti methodology as disclosed in Note 2k.
objektif penurunan nilai dengan menggunakan
metodologi penurunan nilai sebagaimana
diungkapkan dalam Catatan 2k.
Kredit yang diberikan dihapusbukukan ketika Loans are written-off when there are no realistic
tidak terdapat prospek yang realistis mengenai prospects of collection or when the Banks
pengembalian pinjaman atau hubungan normal normal relationship with the collateralized
antara Bank dan debitur dengan jaminan telah borrowers has ceased to exist. When loans are
berakhir. Pinjaman yang tidak dapat dilunasi deemed uncollectible, they are written-off
dihapusbukukan dengan mendebit cadangan against the related allowance for impairment
29
Page 566
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
kerugian penurunan nilai. Pelunasan kemudian losses. Subsequent recoveries of loans written-
atas pinjaman yang telah dihapusbukukan off are credited to the allowance for impairment
sebelumnya, dikreditkan ke cadangan kerugian losses from loans in the statement of financial
penurunan nilai pinjaman di laporan posisi position.
keuangan.
Restrukturisasi kredit Loan restructuring
Restrukturisasi kredit meliputi modifikasi Loan restructuring may involve a modification of
persyaratan kredit, konversi kredit menjadi the terms of the loans, conversion of loans into
saham atau instrumen keuangan lainnya equity or other financial instruments and/or a
dan/atau kombinasi dari keduanya. combination of both.
Kerugian yang timbul dari restrukturisasi kredit Losses on loan restructuring in respect of
yang berkaitan dengan modifikasi persyaratan modification of the terms of the loans are
kredit diakui bila nilai tunai penerimaan kas recognized only if the cash value of total future
masa depan yang telah ditentukan dalam cash receipt specified in the new terms of the
persyaratan kredit yang baru, termasuk loan, including both receipt designated as
penerimaan yang diperuntukan sebagai bunga interest and those designated as loan principal,
maupun pokok, adalah lebih kecil dari nilai are less than the recorded amounts of loans
kredit yang diberikan yang tercatat sebelum before restructuring.
restrukturisasi.
Untuk restrukturisasi kredit bermasalah dengan For non-performing restructured loan which
cara konversi kredit yang diberikan menjadi involves a conversion of loan into equity or
saham atau instrumen keuangan lainnya, other financial instrument, a loss on loan
kerugian dari restrukturisasi kredit diakui hanya restructuring is recognized only if the fair value
apabila nilai wajar penyertaan saham atau of the equity investment or other financial
instrumen keuangan yang diterima dikurangi instrument received, reduced by estimated
estimasi biaya untuk menjualnya, adalah costs to sell the equity or other financial
kurang dari nilai tercatat kredit yang diberikan. instrument, is less than the carrying value of the
loan.
2.k. Penurunan nilai aset keuangan dan non- 2.k. Impairment of financial and non-financial
keuangan assets
i. Penurunan nilai aset keuangan i. Impairment of financial assets
Bank mengakui penyisihan kerugian kredit The Bank recognizes the allowance for
ekspektasian pada instrumen keuangan expected credit losses on the financial
yang tidak diukur pada nilai wajar melalui instrument that are not measured at fair
laba rugi. value through profit or loss.
Tidak ada penyisihan kerugian kredit There is no allowance for expected credit
ekspektasian pada investasi instrumen losses on investment in equity instruments.
ekuitas.
Bank mengukur cadangan kerugian The Bank measure the allowance for losses
sejumlah kerugian ekspektasian sepanjang for the lifetime of an expected credit losses,
umurnya, kecuali untuk hal berikut, diukur expected credit losses, except for the
sejumlah kerugian kredit ekspetaksian 12 following, which are measured according to
bulan: 12 months expected credit losses:
- instrumen utang yang memiliki risiko - debt instruments that have low credit risk
kredit rendah pada tanggal pelaporan; at the reporting date; and
dan - other financial instruments for which
- instrumen keuangan lainnya yang risiko credit risk has not increased significantly
kreditnya tidak meningkat secara since initial recognition.
signifikan sejak pengakuan awal.
30
Page 567
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Bank menganggap instrumen utang The Bank considers debt instruments to
memiliki risiko kredit yang rendah ketika have low credit risk when the credit risk
peringkat risiko kreditnya setara dengan rating is at par with the globally understood
definisi investment grade yang dipahami definition of investment grade.
secara global.
Pengukuran Kerugian Kredit Measurement of Expected Credit Losses
Ekspektasian
Kerugian Kredit Ekspektasian (KKE) adalah Expected Credit Loss (ECL) is an estimate
estimasi probabilitas tertimbang dari of the weighted probability of a credit loss
kerugian kredit yang diukur sebagai berikut: measured as follows:
- Aset keuangan yang tidak memburuk pada - Financial assets that do not deteriorate at
tanggal pelaporan, kerugian kredit the reporting date, the expected credit loss
ekspektasian diukur sebesar selisih antara is measured at the difference between the
nilai kini dari seluruh kekurangan kas (yaitu present value of all cash shortages (i.e. the
selisih antara arus kas yang terutang difference between the cash flows owed to
kepada Bank sesuai dengan kontrak dan the Bank in accordance with the contract
arus kas yang diperkirakan akan diterima and the cash flows expected to be
oleh Bank); received by the Bank);
- Aset keuangan yang memburuk pada - Financial assets that deteriorate at the
tanggal pelaporan, kerugian kredit reporting date, the expected credit loss is
ekspektasian diukur sebesar selisih antara measured at the difference between the
jumlah tercatat bruto dan nilai kini arus kas gross carrying amount and the present
masa depan yang diestimasi; value of estimated future cash flows;
- Komitmen pinjaman yang belum ditarik, - For undisbursed loan commitments,
kerugian kredit ekspektasian diukur expected credit losses are measured at
sebesar selisih antara nilai kini jumlah the difference between the present value
arus kas jika komitmen ditarik dan arus of the amount of cash flow if the
kas yang diperkirakan akan diterima oleh commitments is withdrawn and the cash
Bank; flow expected to be received by the Bank;
- Kontrak jaminan keuangan, kerugian kredit - For financial guarantee contracts,
ekspektasian diukur sebesar selisih antara expected credit losses are measured at
pembayaran yang diperkirakan untuk the difference between the estimated
mengganti pemegang atas kerugian kredit payments to replace the holder for the
yang terjadi dikurangi jumlah yang credit losses incurred less the amount
diperkirakan dapat dipulihkan. estimated to be recoverable.
Bank mengklasifikasikan kredit yang The Bank classified the loans into 3 stages
diberikan menjadi 3 tahap/stage sesuai in accordance with its significant increase in
dengan peningkatan risiko kredit secara credit risk since their initial recognition.
signifikan sejak pengakuan awalnya.
Kerugian Kredit Ekspektasian 12 Bulan 12 Months Expected Credit Losses
(Stage 1) (Stage 1)
KKE diakui pada saat pengakuan awal ECL are recognized at the time of initial
instrumen keuangan dan recognition of a financial instrument and
merepresentasikan kekurangan kas represent the lifetime cash shortfalls arising
sepanjang umur aset yang timbul dari from possible default events up to 12
kemungkinan gagal bayar di masa yang months into the future from the reporting
akan datang dalam kurun waktu 12 bulan date. ECL continues to be determined on
sejak tanggal pelaporan. KKE terus this basis until there is either a significant
ditentukan oleh dasar ini sampai timbul increase in the credit risk of an instrument
peningkatan risiko kredit yang signifikan or the instrument becomes credit-impaired. If
pada instrumen tersebut atau instrumen an instrument is no longer considered to
tersebut telah mengalami penurunan nilai exhibit a significant increase in credit risk,
kredit. Jika suatu instrumen tidak lagi ECL will revert to being determined on a 12
dianggap menunjukkan peningkatan risiko months basis.
kredit yang signifikan, maka KKE dihitung
kembali berdasarkan basis 12 bulan.
31
Page 568
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Peningkatan Risiko Kredit yang Significant Increase in Credit Risk
Signifikan (Stage 2) (Stage 2)
Jika aset keuangan mengalami peningkatan If a financial asset experiences a significant
risiko kredit yang signifikan (“SICR”) sejak increase in credit risk (“SICR”) since initial
pengakuan awal, kerugian kredit recognition, an expected credit loss
ekspektasian diakui atas kejadian gagal provision is recognized for default events that
bayar yang mungkin terjadi sepanjang umur may occur over the lifetime of the asset.
aset. Peningkatan signifikan dalam risiko Significant increase in credit risk is
kredit dinilai dengan membandingkan risiko assessed by comparing the risk of default of
gagal bayar atas eksposur pada tanggal an exposure at the reporting date to the risk
pelaporan dengan risiko gagal bayar saat of default at origination (after taking into
pengakuan awal (setelah memperhitungkan account the passage of time). Significant
perjalanan waktu dari akun tersebut). does not mean statistically significant nor is
Signifikan tidak berarti signifikan secara it assessed in the context of changes in
statistik, juga tidak dinilai dalam konteks ECL. Whether a change in the risk of default
perubahan dalam KKE. Perubahan atas is significant or not is assessed using a
risiko gagal bayar dinilai signifikan atau tidak, number of quantitative and qualitative
dinilai menggunakan sejumlah faktor factors, the weight of which depends on the
kuantitatif dan kualitatif, yang bobotnya type of product and counterparty. Financial
bergantung pada tipe produk dan pihak assets that are 30 days or more past due
lawan. Aset keuangan dengan tunggakan and not credit-impaired will always be
30 hari atau lebih dan tidak mengalami considered to have experienced a
penurunan nilai akan selalu dianggap telah significant increase in credit risk.
mengalami peningkatan risiko kredit yang
signifikan.
Eksposur yang Mengalami Penurunan Credit Impaired or Defaulted Exposures
Nilai Kredit atau Gagal Bayar (Stage 3) (Stage 3)
Aset hanya akan dianggap mengalami An asset is only considered credit impaired
penurunan nilai dan kerugian kredit and lifetime expected credit losses
ekspektasian sepanjang umurnya diakui, recognized, if there is observed objective
jika terdapat bukti objektif penurunan nilai evidence of impairment. These factors are
yang dapat diobservasi. Faktor-faktor yang similar to the indicators of objective
diobservasi ini serupa dengan indikator evidence of impairment under PSAK 409,
bukti objektif penurunan nilai pada PSAK which includes, amongst other factors,
409, termasuk antara lain aset gagal bayar assets in default or experiencing significant
atau mengalami kesulitan keuangan yang financial difficulty, or experiencing
signifikan atau mengalami forbearance atas forbearance on impaired credit.
kredit yang mengalami penurunan nilai.
Aset keuangan yang mengalami penurunan Financial assets that are credit impaired or
nilai kredit atau gagal bayar merupakan in default represent those that are at least
aset yang setidaknya telah memiliki 90 days past due in respect of principal
tunggakan lebih dari 90 hari atas pokok and/or interest. Financial assets are also
dan/atau bunga. Aset keuangan juga considered to be credit impaired where the
dianggap mengalami penurunan nilai kredit debtors are unlikely to pay on the
dimana debitur kemungkinan besar tidak occurrence of one or more observable
akan membayar dengan terjadinya satu events that have a detrimental impact on
atau lebih kejadian yang teramati yang the estimated future cash flows of the
memiliki dampak menurunkan jumlah financial asset. Loss provisions against
estimasi arus kas masa depan dari aset credit impaired financial assets are
keuangan tersebut. Cadangan kerugian determined based on an assessment of the
penurunan nilai terhadap aset keuangan recoverable cash flows under a range of
yang mengalami penurunan nilai ditentukan scenarios, including the realization of any
berdasarkan penilaian terhadap arus kas collateral held where appropriate.
yang dapat dipulihkan berdasarkan
sejumlah skenario, termasuk realisasi
jaminan yang dimiliki jika memungkinkan.
32
Page 569
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Aset Keuangan yang Direstrukturisasi Restructured Financial Assets
Jika ketentuan aset keuangan If the terms of the financial assets are
dinegosiasikan ulang atau dimodifikasi atau renegotiated or modified or the existing
aset keuangan yang ada diganti dengan financial assets are replaced with new ones
yang baru karena kesulitan keuangan due to the borrower’s financial difficulties,
peminjam, maka dilakukan penilaian apakah an assessment is made whether recognition
aset keuangan yang ada harus dihentikan of existing financial assets must be
pengakuannya dan kerugian kredit derecognized and expected credit losses
ekspektasian diukur sebagai berikut: measured as follows:
- Jika restrukturisasi tidak mengakibatkan - If the restructuring does not result in the
penghentian pengakuan aset yang ada, termination of recognition of existing
maka arus kas yang diperkirakan yang assets, then the estimated cash flows
timbul dari aset keuangan yang dimodifikasi arising from the modified financial assets
dimasukkan dalam perhitungan are included in the calculation of cash
kekurangan kas dari aset yang ada; shortages of existing assets;
- Jika restrukturisasi akan menghasilkan - If the restructuring will result in a
penghentian pengakuan aset yang ada, derecognition of the existing assets, the
maka nilai wajar aset baru diperlakukan fair value of the new asset is treated as
sebagai arus kas akhir dari aset keuangan the final cash flow of the existing financial
yang ada pada saat penghentian assets at the time of derecognition. This
pengakuannya. Jumlah ini dimasukkan amount is included in the calculation of
dalam perhitungan kekurangan kas dari cash shortages from existing financial
aset keuangan yang ada yang assets which are discounted from the date
didiskontokan dari tanggal penghentian of derecognition to the reporting date
pengakuan ke tanggal pelaporan using the initial effective interest rate of the
menggunakan suku bunga efektif awal existing financial assets.
dari aset keuangan yang ada.
Bukti bahwa aset keuangan mengalami Evidence that financial assets become
penurunan nilai kredit (memburuk) termasuk credit impaired (deteriorated) including
data yang dapat diobservasi mengenai observable data regarding the following
peristiwa berikut ini: events:
- Kesulitan keuangan signifikan yang - Significant financial difficulties experienced
dialami penerbit atau pihak peminjam; by the issuer or the borrower;
- Pelanggaran kontrak, seperti peristiwa - Breach of contract, such as a default or
gagal bayar atau peristiwa tunggakan; arrears;
- Pihak pemberi pinjaman, untuk alasan - The lender, for economic or contractual
ekonomik atau kontraktual sehubungan reasons in relation to the financial
dengan kesulitan keuangan yang dialami difficulties experienced by the borrower,
pihak peminjam, telah memberikan konsesi has given concessions to the borrower
pada pihak peminjam yang tidak mungkin which is not possible if the borrower does
diberikan jika pihak peminjam tidak not experience such difficulties;
mengalami kesulitan tersebut;
- Terjadi kemungkinan bahwa pihak - It is probable that the borrower will enter
peminjam akan dinyatakan pailit atau bankruptcy or the other financial
melakukan reorganisasi keuangan lainnya; reorganization; or
atau
- Hilangnya pasar aktif dari aset keuangan - Loss of an active market for financial
akibat kesulitan keuangan; assets due to financial difficulties;
- Pembelian atau penerbitan aset keuangan - Purchase or issuance of financial asset at
dengan diskon sangat besar yang significant discount which reflect the credit
mencerminkan kerugian kredit yang terjadi. loss that occurs.
Aset Keuangan yang Dibeli atau yang Purchased or originated credit-impaired
berasal dari aset keuangan yang financial assets – POCI
mengalami penurunan nilai
Aset keuangan dikategorikan sebagai POCI Financial assets are categorized as POCI if
apabila terdapat bukti objektif penurunan there is objective evidence of impairment at
nilai pada saat pengakuan awal. Pada saat initial recognition. At initial recognition, no
33
Page 570
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
pengakuan awal, tidak ada penyisihan allowance for credit losses is recognized
kerugian kredit yang diakui karena harga because the purchase price or value has
pembelian atau nilainya telah termasuk included lifetime estimated credit losses.
estimasi kerugian kredit sepanjang Furthermore, changes in lifetime credit
umurnya. Selanjutnya, perubahan kerugian losses, whether positive or negative, are
kredit sepanjang umurnya, apakah positif recognized in the statement of profit or loss
atau negatif, diakui dalam laporan laba rugi as part of the allowance for impairment
sebagai bagian dari cadangan kerugian losses.
penurunan nilai.
Penyajian Penyisihan Kerugian Kredit Presentation of Allowance for Expected
Ekspektasian Dalam Laporan Posisi Credit Losses in Statements of Financial
Keuangan Position
Penyisihan kerugian kredit ekspektasian Allowance for expected credit losses is
disajikan dalam laporan posisi keuangan presented in the statement of financial
sebagai berikut: positions as follows:
- Aset keuangan yang diukur pada biaya - Financial assets measured at amortized
perolehan diamortisasi, penyisihan cost, allowance for expected credit losses
kerugian kredit ekspektasian disajikan is presented as a deduction from the gross
sebagai pengurang dari jumlah tercatat carrying amount of the asset;
bruto aset;
- Komitmen pinjaman dan kontrak jaminan - Loan commitments and financial
keuangan, penyisihan kerugian kredit guarantee contracts, allowance for
ekspektasian disajikan sebagai provisi; expected credit losses is presented as a
provision;
- Instrumen utang yang diukur pada nilai - Debt instruments measured at fair value
wajar melalui penghasilan komprehensif through other comprehensive income,
lain, penyisihan kerugian kredit allowance for expected credit losses are
ekspektasian tidak diakui dalam laporan not recognized in the statement of
posisi keuangan karena jumlah tercatat dari financial position because the carrying
aset-aset ini adalah nilai wajarnya. Namun amounts of these assets are at their fair
demikian penyisihan kerugian kredit values. However, allowance for expected
ekspektasian diungkapkan dan diakui credit losses is disclosed and recognized
dalam penghasilan komprehensif lain. in other comprehensive income.
Perhitungan penurunan nilai secara Individual impairment calculation
individual
Bank menetapkan pinjaman yang diberikan The Bank determines that loans should be
yang harus dievaluasi penurunan nilainya evaluated for impairment through individual
secara individual, jika memenuhi salah satu evaluation, if one of the following criterias
kriteria di bawah: are met:
- Kredit yang diberikan yang secara - Loans which individually have significant
individual memiliki nilai signifikan; atau value; or
- Kredit yang diberikan yang direstrukturisasi - Restructured loans which individually have
yang secara individual memiliki nilai significant value.
signifikan.
Bank menetapkan kredit yang diberikan The Bank determines that loans should be
yang harus dievaluasi penurunan nilainya evaluated for impairment through individual
secara individual jika kredit yang diberikan evaluation if loans are classified as Stage 3
diklasifikasikan sebagai Stage 3 dan and considered individually significant. The
dianggap signifikan secara individual. Bank Bank assesses ECL by estimating the
menghitung KKE dengan mengestimasi arus expected future cash flow from the loans.
kas ekspektasian dari kredit yang diberikan.
34
Page 571
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Perhitungan penurunan nilai secara Collective impairment calculation
kolektif
Bank menetapkan kredit yang diberikan The Bank determines that loans should be
yang harus dievaluasi penurunan nilainya evaluated for impairment through individual
secara individual jika pinjaman yang evaluation if loans are classified as Stage 1,
diberikan diklasifikasikan sebagai Stage 1, Stage 2 and Stage 3 which are not
Stage 2 dan Stage 3 yang tidak dianggap considered collectively significant. The Bank
signifikan secara kolektif. Bank menghitung assesses ECL using collective approach
KKE menggunakan pendekatan kolektif with the risk parameter modelling that
dengan model parameter risiko yang incorporates a number of key parameters,
menggunakan beberapa parameter utama, including the Probability of Default (“PD”),
antara lain Probability of Default (“PD”), Loss Given Default (“LGD”), Exposure at
Loss Given Default (“LGD”), Exposure at Default (“EAD”), and discount rate after
Default (“EAD”), dan tingkat diskonto setelah taking into consideration forward-looking
memperhitungkan informasi perkiraan masa information, including macroeconomic
depan, termasuk faktor makroekonomi. factors.
Bank menggunakan model yang kompleks The Bank primarily uses sophisticated
yang menggunakan matriks PD, LGD dan models that utilise the PD, LGD and EAD
EAD. metrics.
a. Probability of Default (”PD”) a. Probability of Default (“PD”)
Probabilitas yang timbul di suatu waktu The probability at a point in time that a
dimana debitur mengalami gagal bayar, counterparty will default, calibrated over
dikalibrasikan sampai dengan periode 12 up to 12 months from the reporting date
bulan dari tanggal laporan (Stage 1) atau (Stage 1) or over the lifetime of the
sepanjang umur (Stage 2 dan 3) dan product (Stage 2 and 3) and
digabungkan pada dampak asumsi incorporated to the impact of forward-
ekonomi masa depan yang memiliki looking economic assumptions that have
risiko kredit. PD diestimasikan pada an effect on credit risk. PD is estimated
point in time di mana hal ini berfluktuasi at a point in time that means it will
sejalan dengan siklus ekonomi. fluctuate in line with the economic cycle.
b. Loss Given Default (”LGD”) b. Loss Given Default (“LGD”)
Kerugian yang diperkirakan akan timbul The loss that is expected to arise on
dari debitur yang mengalami gagal bayar default, incorporating the impact of
dengan menggabungkan dampak dari relevant forward looking economic
asumsi ekonomi masa depan yang assumptions (if any), which represents
relevan (jika ada) di mana hal ini mewakili the difference between the contractual
perbedaan antara arus kas kontraktual cash flows due and those that the Bank
yang akan jatuh tempo dengan arus kas expects to receive. The Bank estimates
yang diharapkan untuk diterima. Bank LGD based on the historical recovery
mengestimasikan LGD berdasarkan data rates and considers the recovery of any
historis dari tingkat pemulihan dan collateral that is integral to the financial
memperhitungkan pemulihan yang assets, taking into account forward
berasal dari jaminan terhadap aset looking economic assumptions if
keuangan dengan mempertimbangkan relevant.
asumsi ekonomi di masa depan jika
relevan.
c. Exposure at Default (”EAD”) c. Exposure at Default (“EAD”)
Perkiraan nilai eksposur neraca pada The expected balance sheet exposure at
saat gagal bayar dengan the time of default, taking into account
mempertimbangkan bahwa perubahan that expected change in exposure over
ekspektasi yang diharapkan selama the lifetime of the exposure. This
masa eksposur. Hal ini menggabungkan incorporates the impact of drawdowns of
dampak penarikan fasilitas yang committed facilities, repayments of
committed, pembayaran pokok dan principal and interest, amortization and
35
Page 572
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
bunga, amortisasi dan pembayaran early payments, together with the impact
dipercepat, bersama dengan dampak of forward- looking economic
asumsi ekonomi masa depan jika assumptions if relevant.
relevan.
Dalam menentukan kerugian kredit To determine the expected credit loss, these
ekspektasian komponen-komponen ini akan components are multiplied together and
diperhitungkan secara bersama-sama dan discounted to the balance sheet date using
didiskontokan ke tanggal laporan keuangan the effective interest rate as the discount
menggunakan diskonto berdasarkan suku rate.
bunga efektif.
Penerimaan kembali atas aset keuangan Recoveries of written-off financial assets
yang telah dihapusbukukan
Ketika kredit yang diberikan tidak tertagih, When a loan is uncollectible, it is written-off
kredit yang diberikan tersebut dihapusbuku against the related allowance for impairment
dengan menjurnal balik cadangan kerugian loss. Such loans are written off after all the
penurunan nilai. Kredit yang diberikan necessary procedures have been
tersebut dihapusbuku setelah semua completed and the amount of the loss has
prosedur yang diperlukan telah dilakukan been determined.
dan jumlah kerugian telah ditentukan.
Penerimaan kembali atas aset keuangan The recoveries of written-off financial assets
yang telah dihapusbukukan pada tahun in the current year are credited by adjusting
berjalan dikreditkan dengan menyesuaikan the allowance for impairment losses
akun cadangan kerugian penurunan nilai. accounts. Recoveries of written-off financial
Penerimaan kembali atas aset keuangan assets from previous years are recorded as
yang telah dihapusbukukan pada tahun operational income other than interest
sebelumnya dicatat sebagai pendapatan income.
operasional selain pendapatan bunga.
ii. Penurunan nilai aset non-keuangan ii. Impairment of non-financial assets
Nilai tercatat dari aset yang bukan aset The carrying amounts of the Bank’s non-
keuangan Bank, kecuali aset pajak financial assets, other than deferred tax
tangguhan, ditelaah setiap tanggal assets, are reviewed at each reporting date
pelaporan untuk menentukan apakah to determine whether there is any indication
terdapat indikasi penurunan nilai. Jika of impairment. If any such indication exists
indikasi tersebut ada, maka nilai yang dapat then the asset’s recoverable amount will be
dipulihkan dari aset tersebut akan estimated.
diestimasi.
Nilai yang dapat diperoleh kembali dari The recoverable amount of an asset or cash
suatu aset atau unit penghasil kas adalah generating unit is the greater of its value in
sebesar jumlah yang lebih tinggi antara nilai use and its fair value less costs to sell. In
pakainya dan nilai wajar aset atau unit assessing value in use, the estimated future
penghasil kas dikurangi biaya untuk cash flows are discounted to their present
menjual. Dalam menilai nilai pakai, estimasi value using pre-tax discount rate that
arus kas masa depan didiskontokan ke nilai reflects current market assessments of the
sekarang dengan menggunakan tingkat time value of money and the risks specific to
diskonto sebelum pajak yang the asset.
mencerminkan penilaian pasar saat ini
terhadap nilai kas kini dan risiko spesifik
terhadap aset tersebut.
36
Page 573
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Cadangan penurunan nilai diakui pada Allowance for impairment loss recognized in
tahun sebelumnya dinilai pada setiap prior year is assessed at each reporting
tanggal pelaporan untuk melihat adanya date for any indications that the loss has
indikasi bahwa kerugian telah menurun atau decreased or no longer exists. An
tidak ada lagi. Kerugian penurunan nilai impairment loss is reversed if there has
dijurnal balik jika terdapat perubahan been a change in the estimates used to
estimasi yang digunakan dalam determine the recoverable amount.
menentukan nilai yang dapat dipulihkan.
Cadangan kerugian penurunan nilai dijurnal Allowance for impairment losses is reversed
balik hanya hingga nilai tercatat aset tidak only to the extent that the asset’s carrying
melebihi nilai tercatat yang telah ditentukan, amount does not exceed the carrying
dikurangi dengan depresiasi atau amount that would have been determined,
amortisasi, jika cadangan penurunan nilai net of depreciation or amortization, if no
tidak pernah diakui. impairment loss had been recognized.
Bank tidak diwajibkan lagi untuk The Bank is not required to provide an
membentuk cadangan kerugian penurunan allowance for impairment losses for non-
nilai untuk aset non produktif, namun Bank productive assets, but the Bank should still
tetap harus menghitung cadangan kerugian calculate the impairment losses in
penurunan nilai mengacu pada standar accordance with the applicable accounting
akuntansi yang berlaku. standards.
2.l. Aset tetap, aset hak-guna dan liabilitas 2.l. Fixed assets, right-of-use assets and lease
sewa liabilities
Aset Tetap Fixed assets
Bank menerapkan kebijakan akuntansi model Bank applies revaluation model as accounting
revaluasi untuk aset tetap berupa tanah dan policy for land and buildings. For fixed assets
bangunan. Untuk aset tetap selain tanah dan other than land and buildings, it applies cost
bangunan menggunakan model biaya. model.
Tanah dan bangunan disajikan sebesar nilai Land and buildings are stated at fair value, less
wajar, dikurangi akumulasi penyusutan untuk subsequent depreciation for buildings.
bangunan. Akumulasi penyusutan pada Accumulated depreciation at the date of
tanggal revaluasi dieliminasi terhadap nilai revaluation is eliminated against the gross
tercatat bruto aset dan nilai netonya disajikan carrying amount of the asset and the net
kembali sebesar nilai revaluasian. amount is restated to the revalued amount.
Jika nilai wajar dari aset yang direvaluasi If the fair value of the revalued asset change
mengalami perubahan yang signifikan dan significantly, it is necessary to revaluate on an
fluktuatif, maka perlu direvaluasi secara annual basis, whereas if the fair value of the
tahunan, sedangkan jika nilai wajar dari aset revaluated asset does not change significantly,
yang direvaluasi tidak mengalami perubahan it is necessary to revaluate every 3 years,
yang signifikan dan fluktuatif, maka perlu taking the conditions of the related year into
dilakukan revaluasi setiap 3 tahun sekali, considerations.
dengan mempertimbangkan kondisi pada
tahun tersebut.
Kenaikan yang berasal dari revaluasi tanah Any revaluation increase arising on the
dan bangunan diakui pada penghasilan revaluation of land and buildings are
komprehensif lain dan terakumulasi dalam recognized in other comprehensive income and
ekuitas pada bagian surplus revaluasian, accumulated in equity under the heading of
kecuali sebelumnya penurunan revaluasi atas revaluation surplus, except to the extent that it
aset yang sama pernah diakui dalam laba rugi, reverses a revaluation decrease, for the same
dalam hal ini kenaikan revaluasi hingga assets which was previously recognized in the
sebesar penurunan nilai aset akibat revaluasi profit or loss, in which case the increase is
tersebut, dikreditkan dalam laba rugi. credited to the profit or loss to the extent of the
37
Page 574
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Penurunan jumlah tercatat yang berasal dari decrease previously charged. A decrease in
revaluasi tanah dan bangunan dibebankan carrying amount arising on the revaluation of
dalam laba rugi apabila penurunan tersebut land and buildings are charged to the profit or
melebihi saldo surplus revaluasi aset yang loss to the extent that it exceeds the balance, if
bersangkutan, jika ada. any, held in fixed asset revaluation reserve
relating to a previous revaluation of land and
buildings.
Surplus revaluasi tanah dan bangunan yang The revaluation surplus of land and buildings
telah disajikan dalam ekuitas dipindahkan are directly transferred to retained earnings
langsung ke saldo laba pada saat aset tersebut when the asset is derecognized.
dihentikan pengakuannya.
Aset tetap, kecuali tanah dan bangunan, Fixed assets, except land and buildings, are
dinyatakan sebesar biaya perolehan dikurangi stated at cost less accumulated depreciation
akumulasi penyusutan dan rugi penurunan and impairment losses. If the recognition
nilai. Biaya perolehan termasuk biaya criteria are met, the acquisition cost will include
penggantian bagian aset tetap saat biaya the cost of replacing part of the fixed assets
tersebut terjadi, jika memenuhi kriteria when that cost is incurred. Acquisition costs of
pengakuan. Biaya perolehan aset tetap diakui fixed assets is recognized as asset if, and only
sebagai aset jika dan hanya jika besar if it is probable that future economic benefits
kemungkinan manfaat ekonomis di masa associated with the item will flow to the entity
depan berkenaan dengan aset tersebut and the cost of the item can be measured
mengalir ke entitas dan biaya perolehan aset reliably.
dapat diukur secara andal.
Beban pemeliharaan dan perbaikan The cost of maintenance and repairs are
dibebankan pada laba rugi pada saat charged to profit or loss as incurred. Other
terjadinya. Biaya-biaya lain yang terjadi costs incurred subsequently to add to, replace
selanjutnya yang timbul untuk menambah, part of or service an item of asset is recorded
mengganti atau memperbaiki aset dicatat as acquisition of asset if, and only if it is
sebagai biaya perolehan aset jika dan hanya probable that future economic benefits
jika besar kemungkinan manfaat ekonomis di associated with the item will flow to the entity
masa depan berkenaan dengan aset tersebut and the cost of the item can be measured
mengalir ke entitas dan biaya perolehan aset reliably.
dapat diukur secara andal.
Aset tetap, kecuali tanah, disusutkan dengan Depreciation of fixed assets, except for land, is
menggunakan metode garis lurus (straight-line computed using the straight-line method for
method) untuk seluruh aset tetap selama umur fixed assets over the estimated useful life of
manfaat aset tetap yang diestimasi sebagai the assets, as follows:
berikut:
Tahun/Years
Bangunan 5-20 Buildings
Renovasi bangunan atau instalasi 1-10 Building renovations or installations
Kendaraan 5 Vehicles
Peralatan kantor 1-10 Office equipment
Masa manfaat ekonomis, nilai residu dan The estimated useful life, residual values and
metode penyusutan direviu setiap akhir periode depreciation method are reviewed at each
dan pengaruh dari setiap perubahan estimasi period end and the effect of any changes in
tersebut berlaku prospektif. estimating for on a prospective basis.
Bank menetapkan nilai residu nihil untuk Bank has determined residual value to be nil for
perhitungan penyusutan semua aset tetap. the calculation of depreciation for all fixed
assets.
38
Page 575
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Biaya pengurusan legal hak atas tanah dalam The legal cost of land rights in the form of
bentuk Hak Guna Bangunan (HGB) yang Building Usage Rights (HGB) incurred when the
dikeluarkan ketika tanah diperoleh pertama kali land was acquired initially are recognized as
diakui sebagai bagian dari biaya perolehan part of the cost of the land under “Fixed Assets”
tanah pada akun “Aset Tetap” dan tidak account and not amortized.
diamortisasi.
Biaya pengurusan perpanjangan atau The legal cost incurred to extend or renew the
pembaruan legal hak atas tanah diakui sebagai land rights are recorded as intangible assets
aset takberwujud dan diamortisasi sepanjang and amortized over the shorter of the rights’
umur hukum hak atau umur ekonomis tanah, legal life or land’s economic life.
mana yang lebih pendek.
Jumlah tercatat aset tetap dihentikan An item of fixed assets is derecognized upon
pengakuannya pada saat dilepaskan atau saat disposal or when no future economic benefits
tidak ada manfaat ekonomis masa depan yang are expected from its use or disposal. Any gain
diharapkan dari penggunaan atau or loss arising on derecognition of the asset
pelepasannya. Laba atau rugi yang timbul dari (calculated as the difference between the net
penghentian pengakuan aset (dihitung sebagai disposal proceeds and the carrying amount of
perbedaan antara jumlah neto hasil pelepasan the asset) is included in the profit or loss in the
dan nilai tercatat dari aset) dimasukkan dalam year the asset is derecognized.
laba rugi pada tahun aset tersebut dihentikan
pengakuannya.
Aset hak-guna dan liabilitas sewa Right-of-use assets and lease liabilities
Pada tanggal permulaan kontrak, Bank menilai At the inception of a contract, the Bank
apakah kontrak merupakan atau mengandung assesses whether the contract is or contains a
sewa. Suatu kontrak merupakan atau lease. A contract is or contains a lease if the
mengandung sewa jika kontrak tersebut contract carries the right to control the use of
memberikan hak untuk mengendalikan an identified assets for a period of time in
penggunaan aset identifikasian selama suatu exchange for consideration. The Bank can
jangka waktu untuk dipertukarkan dengan choose not to recognise the right-of-use asset
imbalan. Bank dapat memilih untuk tidak and lease liabilities for:
mengakui aset hak-guna dan liabilitas sewa
untuk:
• sewa dengan jangka waktu kurang atau • • leases with a term of less or equal to 12
sama dengan 12 bulan dan tidak terdapat months and there is no call option;
opsi beli;
• sewa atas aset dengan nilai rendah. • leases of low value assets.
Untuk menilai apakah kontrak memberikan hak To assess whether a contract carries the right
untuk mengendalikan penggunaan aset to control the use of an identified asset, the
identifikasian, Bank harus menilai apakah: Bank shall assess whether:
• Bank memiliki hak untuk mengoperasikan •• The Bank has the right to operate the
aset; dan assets; and
• Bank telah mendesain aset dengan cara • The Bank has designed the assets in a
menetapkan sebelumnya bagaimana dan way that predetermine how and for what
untuk tujuan apa aset akan digunakan purpose it will be used.
selama periode penggunaan.
Bank mengakui liabilitas sewa sebesar jumlah The Bank recognized lease liabilities at the
pembayaran sewa yang masih harus dibayar amount of lease payments accrued to the end
hingga akhir masa sewa yang didiskontokan of the lease term which discounted using the
dengan menggunakan suku bunga pinjaman incremental borrowing rate. While, the right-of-
inkremental. Sedangkan aset-hak guna use assets includes the amount of lease
mencakup jumlah liabilitas sewa yang diakui, liabilities recognized, initial direct costs paid,
biaya langsung awal yang dibayarkan, biaya restoration costs and lease payments on or
pemulihan dan pembayaran sewa yang before the start date of the lease, less lease
39
Page 576
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
dilakukan pada atau sebelum tanggal mulai incentives received. Right-of-use are
sewa, dikurangi insentif sewa yang diterima. depreciated using the straight-line method over
Aset hak-guna disusutkan dengan metode the shorter period between the lease term and
garis lurus selama jangka waktu yang lebih the estimated useful life of the asset.
pendek antara masa sewa dengan estimasi
masa manfaat aset.
Jika kepemilikan aset sewa dialihkan ke Bank If the ownership of lease asset is transferred to
pada akhir masa sewa atau pembayaran sewa the Bank at the end of the lease term or the
mencerminkan pelaksanaan opsi pembelian, lease payments reflect the exercise of the
penyusutan dihitung menggunakan estimasi purchase option, depreciation is calculated
masa manfaat ekonomis aset. Aset hak-guna using the estimated useful life of the assets.
diuji penurunan nilainya sesuai dengan Right-of-use assets are tested for impairment in
PSAK 236 tentang “Penurunan Nilai Aset”. accordance with PSAK 236 regarding
“Impairment of Assets”.
Pada tanggal dimulainya sewa, Bank mengakui On the initial lease date, the Bank recognized
liabilitas sewa yang diukur pada nilai kini dari lease liabilities which measured at the present
pembayaran sewa masa depan yang akan value of future lease payments that will be paid
dibayarkan selama masa sewa. Pembayaran over the lease term. Lease payments include
sewa termasuk pembayaran tetap (termasuk fixed payments (including substantially fixed
pembayaran tetap secara substansi) dikurangi payments), less lease incentive receivables,
piutang insentif sewa, pembayaran sewa variable lease payments that depends on index
variabel yang bergantung pada indeks atau or interest rate, and the expected amount to be
suku bunga, dan jumlah yang diharapkan akan paid in a residual value guarantee. Lease
dibayar dalam jaminan nilai residu. payments also include the reasonable exercise
Pembayaran sewa juga termasuk harga price for the purchase option if it is determined
eksekusi opsi pembelian yang wajar jika to be made by the Bank and the payment of a
dipastikan akan dilakukan oleh Bank dan penalty to terminate the lease, if the lease term
pembayaran penalti untuk mengakhiri sewa, reflects the Bank exercising the lease
jika jangka waktu sewa mencerminkan Bank termination option. Variable lease payments
mengeksekusi opsi penghentian sewa. that are not depends on an index or interest
Pembayaran sewa variabel yang tidak rate are recognized as an expense in the
bergantung pada indeks atau suku bunga period in which the event or condition that
diakui sebagai beban pada periode di mana triggers the payment occurs.
peristiwa atau kondisi yang memicu
pembayaran terjadi.
Dalam menghitung nilai kini dari pembayaran In calculating the present value of lease
sewa, Bank menggunakan suku bunga payments, the Bank uses the lessee
pinjaman inkremental penyewa pada tanggal incremental borrowing rate at the inception date
dimulainya sewa karena suku bunga implisit of the lease since the interest rate implicit in the
dalam sewa tidak dapat ditentukan. Setelah lease cannot be determined. After the inception
tanggal dimulainya sewa, jumlah liabilitas sewa date of the lease, the amount of the lease
ditingkatkan untuk mencerminkan pertambahan liability is increased to reflect the interest
bunga dan dikurangi pembayaran sewa yang increase and less lease payments made.
dilakukan. Selain itu, jumlah tercatat liabilitas Furthermore, the lease liabilities carrying
sewa diukur kembali jika terdapat modifikasi, amount is remeasured if there are modifications,
perubahan jangka waktu sewa, perubahan changes in term of the lease, lease payments,
pembayaran sewa, atau perubahan dalam or the valuation of the option to purchase the
penilaian opsi untuk membeli aset pendasar. underlying asset.
Sewa jangka pendek (dengan jangka waktu Short-term leases (with term of less or equal to
kurang atau sama dengan 12 bulan) dan sewa 12 months) and leases of low-value assets, and
aset bernilai rendah, serta elemen-elemen elements of those leases, partially or entirely
sewa tersebut, sebagian atau seluruhnya tidak not applying the recognition principles
menerapkan prinsip-prinsip pengakuan yang stipulated by PSAK 116 will be treated the
ditentukan oleh PSAK 116 akan diperlakukan same as operating leases in PSAK 30. The
40
Page 577
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
sama dengan sewa operasi pada PSAK 30. Bank will recognize these lease payments on a
Bank akan mengakui pembayaran dengan straight-line basis during the lease period on the
dasar garis lurus selama masa sewa dalam statement of the profit or loss and other
laporan laba rugi dan penghasilan comprehensive income. This expense is
komprehensif lain. Beban ini dicatat pada recorded under general and administrative
beban umum dan administrasi dalam laba rugi. expenses in profit or loss.
Penerapan pencatatan PSAK 116 berlaku The recording implementation of PSAK 116 is
untuk seluruh sewa (kecuali sebagaimana yang applied for all leases (except as stated earlier),
disebutkan sebelumnya), yaitu sebagai berikut: as follows:
a. Menyajikan aset hak-guna sebagai bagian a. Presents right-of-use assets as part of fixed
dari aset tetap dan liabilitas sewa disajikan assets and lease liabilities presented as part
sebagai bagian dari liabilitas lain-lain of other liabilities in the statement of
dalam laporan posisi keuangan, yang financial position which measured at the
diukur pada nilai kini dari pembayaran present value of the future lease payments;
sewa masa depan;
b. Mencatat penyusutan aset hak-guna dan b. Records depreciation of right-of-use assets
bunga atas liabilitas sewa dalam laba rugi; and interest on lease liabilities in the profit
dan or loss; and
c. Memisahkan jumlah total pembayaran ke c. Separates the total amount of cash paid
bagian pokok (disajikan dalam kegiatan within operating activities) in the statement
pendanaan) dan bunga (disajikan dalam of cash flows.
kegiatan operasional) dalam laporan arus
kas.
2.m. Aset takberwujud 2.m. Intangible assets
Aset takberwujud terdiri dari perangkat lunak Intangible assets consist of software acquired
yang dibeli Bank. by the Bank.
Perangkat lunak yang dibeli oleh Bank dicatat Software acquired by the Bank is stated at cost
sebesar biaya perolehan dikurangi akumulasi less accumulated amortization and
amortisasi dan akumulasi kerugian penurunan accumulated impairment losses.
nilai.
Pengeluaran selanjutnya untuk perangkat Subsequent expenditure on software is
lunak akan dikapitalisasi hanya jika capitalized only when it increases the future
pengeluaran tersebut menambah manfaat economic benefits embodied in the specific
ekonomis aset yang bersangkutan di masa asset to which it relates. All other expenditures
mendatang. Semua pengeluaran lainnya are expensed as incurred.
dibebankan pada saat terjadinya.
Aset takberwujud dihentikan pengakuannya An intangible asset is derecognized on disposal
jika dilepas atau ketika tidak terdapat lagi or when there is no future economic benefits
manfaat ekonomi masa depan yang are expected from its use or disposal.
diperkirakan dari penggunaan atau
pelepasannya.
Amortisasi diakui dalam laba rugi dengan Amortization is recognized in profit or loss on a
menggunakan metode garis lurus sepanjang straight-line method over the estimated useful
masa manfaat dari perangkat lunak tersebut, life of the software, from the date it is available
dari tanggal perangkat lunak tersebut tersedia for use. The estimated useful life of software is
untuk dipakai. Estimasi masa manfaat dari five until ten years.
perangkat lunak adalah lima hingga sepuluh
tahun.
Metode amortisasi, estimasi masa manfaat dan Amortization method, the estimate of useful life
nilai residual ditelaah pada setiap akhir tahun and residual values are reviewed at each
pelaporan dan disesuaikan jika dianggap tepat. financial year-end and adjusted if appropriate.
41
Page 578
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2.n. Biaya dibayar di muka 2.n. Prepaid expenses
Biaya dibayar di muka diamortisasi selama masa Prepaid expenses are amortized over their
manfaat masing-masing biaya dengan beneficial periods using the straight-line
menggunakan metode garis lurus. method.
2.o. Aset lain-lain 2.o. Other assets
Terdiri dari aset yang tidak material yang tidak Represent immaterial assets that cannot be
dapat digolongkan dalam pos-pos sebelumnya. classified under the above accounts. Other
Aset lain-lain dinyatakan sebesar nilai tercatat, assets are stated at carrying amount, which is
yaitu harga perolehan setelah dikurangi cost less accumulated amortization, allowance
dengan akumulasi amortisasi, penurunan nilai for impairment losses or possible losses.
atau cadangan kerugian.
2.p. Liabilitas segera 2.p. Obligations due immediately
Liabilitas segera merupakan liabilitas Bank Obligations due immediately represent the
kepada pihak lain yang sifatnya wajib segera Bank’s liabilities to beneficiaries that are payable
dibayarkan sesuai dengan perintah pemberi immediately in accordance with the demand
amanat atau perjanjian yang ditetapkan from the beneficiaries or as agreed upon by the
sebelumnya. Liabilitas segera dinyatakan Bank’s and the beneficiaries. Obligations due
sebesar nilai liabilitas Bank kepada pemberi immediately are stated at outstanding payables
amanat. to the beneficiaries.
2.q. Simpanan dari nasabah dan simpanan dari 2.q. Deposits from customer and deposits from
Bank other banks
Simpanan dari nasabah dan simpanan dari Deposits from customers and deposits from
bank lain pada awalnya diukur pada nilai wajar other banks are initially measured at fair value
ditambah biaya transaksi yang dapat plus directly attributable transaction costs and
diatribusikan secara langsung dan setelah subsequently measured at their amortized cost
pengakuan awal diukur pada biaya perolehan using the effective interest method.
diamortisasi dengan menggunakan metode
suku bunga efektif.
2.r. Pendapatan dan beban bunga 2.r. Interest income and expense
Pendapatan dan beban bunga diakui dalam Interest income and expenses are recognized
laba rugi dengan menggunakan metode suku in the profit or loss using the effective interest
bunga efektif. Suku bunga efektif adalah suku rate method. The effective interest rate is the rate
bunga yang secara tepat mendiskontokan that exactly discounts the estimated future cash
estimasi pembayaran dan penerimaan kas di payments and receipts through the expected life
masa datang selama perkiraan umur dari aset of the financial asset or financial liability (or,
keuangan atau liabilitas keuangan (atau, jika where appropriate, a shorter period) to the
lebih tepat, digunakan periode yang lebih carrying amount of the financial asset or
singkat) untuk memperoleh nilai tercatat dari financial liability. When calculating the effective
aset keuangan atau liabilitas keuangan. Pada interest rate, the Bank estimates future cash
saat menghitung suku bunga efektif, Bank flows considering all contractual terms of the
mengestimasi arus kas di masa datang dengan financial instrument but not future credit losses.
mempertimbangkan seluruh persyaratan
kontraktual dalam instrumen keuangan
tersebut, tetapi tidak mempertimbangkan
kerugian kredit di masa mendatang.
Perhitungan suku bunga efektif mencakup biaya The calculation of the effective interest rate
transaksi (Catatan 2c) dan seluruh includes transaction costs (Note 2c) and all
imbalan/provisi dan bentuk lain yang fees and points paid or received that are an
dibayarkan atau diterima yang merupakan integral part of the effective interest rate.
bagian tak terpisahkan dari suku bunga efektif.
42
Page 579
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Pendapatan dan beban bunga yang disajikan Interest income and expenses presented in the
di dalam laba rugi meliputi: profit or loss include:
a. Pendapatan dan beban bunga atas aset a. Interest income and expense on financial
keuangan yang diukur pada nilai wajar assets measured at fair value through other
melalui penghasilan komprehensif lain comprehensive income as well as financial
serta aset keuangan dan liabilitas assets and financial liabilities recorded at
keuangan yang dicatat berdasarkan biaya amortized cost are recognized in the profit
perolehan diamortisasi, diakui pada laba or loss using the effective interest method.
rugi dengan menggunakan metode suku
bunga efektif.
Jumlah tercatat bruto aset keuangan The gross carrying amount of a financial
adalah biaya perolehan diamortisasi aset asset is the amortized cost of a financial
keuangan sebelum disesuaikan dengan asset before adjusting for allowance for
cadangan penurunan nilai. impairment.
Dalam menghitung pendapatan dan beban In calculating interest income and
bunga, tingkat bunga efektif diterapkan expenses, the effective interest rate is
pada jumlah tercatat bruto aset (ketika applied to the gross carrying amount of an
aset tersebut bukan aset keuangan asset (when the asset is not a deteriorated
memburuk) atau terhadap biaya perolehan financial asset) or to the amortized cost of a
diamortisasi dari liabilitas. liability.
Untuk aset keuangan yang memburuk For financial assets that deteriorated after
setelah pengakuan awal, pendapatan initial recognition, interest income is
bunga dihitung dengan menerapkan calculated by applying an effective interest
tingkat bunga efektif terhadap biaya rate to the amortized cost of the financial
perolehan diamortisasi dari aset keuangan assets. If the asset no longer deteriorates,
tersebut. Jika aset tersebut tidak lagi the calculation of interest income will be
memburuk, maka perhitungan pendapatan calculated by applying an effective interest
bunga akan dihitung dengan menerapkan rate to the gross carrying amount of the
tingkat bunga efektif terhadap nilai tercatat financial asset.
bruto dari aset keuangan tersebut.
Untuk aset keuangan yang telah For financial assets that have deteriorated
memburuk pada saat pengakuan awal, at initial recognition, interest income is
pendapatan bunga dihitung dengan calculated by applying the effective interest
menerapkan tingkat bunga efektif rate to the amortized cost of the financial
terhadap biaya perolehan diamortisasi dari assets. If the asset no longer deteriorates,
aset keuangan tersebut. Jika aset tersebut the calculation of interest income will still be
tidak lagi memburuk, maka perhitungan calculated by applying the effective interest
pendapatan bunga akan tetap dihitung rate to the amortized cost of the financial
dengan menerapkan tingkat bunga efektif asset.
terhadap biaya perolehan diamortisasi dari
aset keuangan tersebut.
b. Keuntungan dan kerugian yang timbul dari b. Gains and losses arising from changes in
perubahan nilai wajar atas aset keuangan the fair value of fair value through other
yang diklasifikasikan dalam kelompok nilai comprehensive income financial assets
wajar melalui penghasilan komprehensif other than foreign exchange gains or losses
lain diakui secara langsung dalam laporan on debt instrument are recognized directly in
laba rugi komprehensif (merupakan bagian other comprehensive income (as part of
dari ekuitas) sampai aset keuangan equity), until the financial asset is
tersebut dihentikan pengakuannya atau derecognized or impaired, except gain or
adanya penurunan nilai, kecuali loss arising from changes in exchanges
keuntungan atau kerugian akibat rate for debt instrument.
perubahan nilai tukar untuk instrumen
utang.
43
Page 580
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2.s. Provisi dan komisi 2.s. Fees and commissions
Pendapatan dan beban provisi dan komisi yang Fees and commission income and expenses
signifikan dan merupakan bagian tak that are significant and integral to the effective
terpisahkan dari suku bunga efektif atas aset interest rate on financial assets or financial
keuangan atau liabilitas keuangan dimasukkan liabilities are included in the measurement of the
ke dalam perhitungan suku bunga efektif. effective interest rate.
Pendapatan provisi dan komisi lainnya Other fees and commission income, including
termasuk provisi yang terkait dengan kegiatan credit related fees, export-import related fees,
perkreditan, kegiatan ekspor-impor, provisi syndication lead arranger fees, and provision
sebagai pengatur sindikasi dan provisi atas for services are recognized when the related
jasa diakui pada saat jasa tersebut dilakukan. services are performed.
Beban provisi dan komisi lainnya sehubungan Other fees and commission expense related
dengan transaksi antar bank diakui sebagai mainly to inter-bank transaction fees which are
beban pada saat jasa tersebut diterima. expensed as the service are received.
Apabila pinjaman diselesaikan sebelum jatuh The outstanding balances of unamortized fees
tempo, maka saldo pendapatan provisi dan and commissions on loans terminated or settled
komisi yang belum diamortisasi diakui pada prior to maturity are recognized as income upon
saat pinjaman diselesaikan. settlement.
2.t. Liabilitas imbalan pasca-kerja 2.t. Post-employment benefits liability
Imbalan pasca-kerja dicadangkan dan diakui The post-employment benefits are accrued and
sebagai biaya ketika jasa telah diberikan oleh recognized as expenses when services have
pegawai yang menjadi peserta program been rendered by qualified employees. The
pensiun Bank. Imbalan kerja ditentukan benefits are determined based on the Bank’s
berdasarkan peraturan Bank dan persyaratan regulations and the minimum requirements of
minimum Undang-undang No. 11/2020 tentang Law No.11/2020 on Job Creation (the “Job
Cipta Kerja (“Undang-Undang Cipta Kerja”) Creation Law”) as amended by Perpu No.2/2022
sebagaimana telah diamendemen dengan and Law No.6/2023 or the Bank’s Collective
Perpu No.2/2022 dan UU No.6/2023 atau Labour Agreement (the “CLA”) or Company
Perjanjian Kerja Bersama (“PKB”) atau Regulation (“CR”), whichever is higher. Since
Peraturan Perusahaan (“PP”), mana yang lebih the Job Creation Law or Labour Law or the CLA
tinggi. Karena UU Cipta Kerja atau UU or the CR sets the formula for determining the
Ketenagakerjaan atau PKB atau PP minimum amount of benefits, in substance
menentukan rumus tertentu untuk menghitung pension plans under the Job Creation Law or
jumlah minimal imbalan pensiun, pada Labour Law or the CLA or the CR represent
dasarnya, program pensiun berdasarkan UU defined benefit plans.
Cipta Kerja atau UU Ketenagakerjaan atau
PKB atau PP adalah program imbalan pasti.
Liabilitas imbalan pasca-kerja dihitung sebesar Post-employment benefits liability is calculated
nilai kini dari estimasi jumlah liabilitas imbalan at present value of estimated future benefits
pasca-kerja di masa depan yang timbul dari that the employees have earned in return for
jasa yang telah diberikan oleh karyawan pada their services in the current and past periods,
masa kini dan masa lalu, dikurangi dengan nilai deducted by plan assets, if any. Calculation is
wajar aset program, jika ada. Perhitungan performed by an independent actuary using the
dilakukan oleh aktuaris independen dengan projected-unit credit method.
metode projected-unit credit.
Nilai kini liabilitas imbalan pasti ditentukan The present value of the defined benefit
dengan mendiskontokan estimasi arus kas obligation is determined by discounting the
keluar masa depan dengan menggunakan estimated future cash outflows using interest
tingkat bunga obligasi pemerintah berkualitas rates of high quality government bonds that are
tinggi dalam mata uang yang sama dengan denominated in the currency in which the
mata uang imbalan yang akan dibayarkan dan benefits will be paid and have terms to maturity
waktu jatuh tempo yang kurang lebih sama approximately the same as the terms of the
dengan waktu jatuh tempo imbalan yang related pension liability.
bersangkutan.
44
Page 581
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Seluruh biaya jasa lalu diakui pada saat yang All past service costs are recognized at the
lebih dulu antara ketika amendemen/ earlier of the occurrence of amendment/
kurtailmen terjadi atau ketika biaya curtailment and the recognition of related
restrukturisasi atau pemutusan hubungan kerja restructuring or termination costs. As a result,
diakui. Sebagai akibatnya, biaya jasa lalu yang unvested past service costs can no longer be
belum vested tidak lagi dapat ditangguhkan deferred and recognized over the future
dan diakui selama periode vesting masa vesting period.
depan.
Bunga neto atas imbalan pasti neto merupakan Net interest of the net defined benefit liabilities
komponen pendapatan bunga dari aset is the interest income component of plan
program, biaya bunga atas liabilitas imbalan assets, interest expense of defined benefit
pasti dan bunga atas dampak batas atas dari obligation and interest of the effect of asset
aset. ceiling.
Pengukuran kembali liabilitas imbalan pasti Remeasurement of the net defined benefit
neto terdiri atas: obligation consists of:
- keuntungan dan kerugian aktuarial; - actuarial gains and losses,
- imbal hasil atas aset program, tidak - return on plan assets, excluding amount
termasuk jumlah yang dimasukan dalam included in net interest of the net defined
bunga neto atas liabilitas imbalan pasti benefit obligation,
neto;
- setiap perubahan dampak batas atas aset, - any changes in effect of the asset ceiling,
tidak termasuk jumlah yang dimasukkan excluding amount included in net interest
dalam bunga neto atas liabilitas imbalan of the net defined benefit obligation.
pasti neto.
Imbalan jangka panjang lainnya Other long-term benefits
Imbalan jangka panjang lainnya seperti cuti Other long-term employee benefits such as
berimbalan jangka panjang, imbalan cacat long service leave, permanent disability
permanen, dan penghargaan jubilee dihitung benefits, and jubilee awards are calculated
dengan menggunakan metode projected unit using the projected unit credit method and
credit dan didiskontokan ke nilai kini. discounted to present value. Actuarial gains
Keuntungan dan kerugian aktuarial yang timbul and losses arising from experience adjustment
dari penyesuaian dan perubahan dalam asumsi- and charge in actuarial assumption are
asumsi aktuarial diakui dalam laba rugi. recognised to profit or loss.
Pesangon pemutusan hubungan kerja Termination benefits
Pesangon pemutusan hubungan kerja terutang Termination benefits are payable whenever an
ketika karyawan dihentikan kontrak kerjanya employee’s employment is terminated before
sebelum usia pensiun normal. Bank mengakui the normal retirement date. The Bank
pesangon pemutusan hubungan kerja ketika recognizes termination benefits when it is
menunjukkan komitmennya untuk memutuskan demonstrably committed to terminate the
hubungan kerja dengan karyawan berdasarkan employment of current employees according to a
suatu rencana formal terperinci yang kecil detailed formal plan with low possibility of
kemungkinannya untuk dibatalkan. Pesangon withdrawal. Benefits which will be paid more
yang akan dibayarkan dalam waktu lebih dari than 12 months after the statement of financial
12 bulan setelah tanggal laporan posisi position’s date are discounted to reflect its
keuangan didiskontokan untuk mencerminkan present value.
nilai kini.
2.u. Perpajakan 2.u. Taxation
Beban pajak adalah jumlah gabungan pajak Tax expense is the aggregate amount included
kini dan pajak tangguhan yang diperhitungkan in the determination of profit or loss for the year
dalam menentukan laba rugi pada suatu tahun. in respect of current tax and deferred tax.
Pajak kini dan pajak tangguhan diakui dalam Current tax and deferred tax is recognized in
laba rugi, kecuali pajak penghasilan yang profit or loss, except for income tax arising from
timbul dari transaksi atau peristiwa yang diakui transactions or events that are recognized in
45
Page 582
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
dalam penghasilan komprehensif lain atau other comprehensive income or directly in
secara langsung di ekuitas. Dalam hal ini, equity. In this case, the tax is recognized in
pajak tersebut masing-masing diakui dalam other comprehensive income or equity,
penghasilan komprehensif lain atau ekuitas. respectively.
Jumlah pajak kini untuk tahun berjalan dan Current tax for current and prior years shall, to
tahun sebelumnya yang belum dibayar diakui the extent unpaid, be recognized as a liability. If
sebagai liabilitas. Jika jumlah pajak yang telah the amount already paid in respect of current
dibayar untuk tahun berjalan dan periode- and prior years exceeds the amount due for
periode sebelumnya melebihi jumlah pajak those years, the excess shall be recognized as
yang terutang untuk tahun tersebut, maka an asset.
kelebihannya diakui sebagai aset.
Liabilitas (aset) pajak kini untuk tahun berjalan Current tax liabilities (assets) for the current
dan tahun sebelumnya diukur sebesar jumlah and prior years shall be measured at the
yang diperkirakan akan dibayar kepada amount expected to be paid to (recovered from)
(direstitusi dari) otoritas perpajakan, yang the taxation authorities, using the tax rates (and
dihitung menggunakan tarif pajak (dan undang- tax laws) that have been enacted or
undang pajak) yang telah berlaku atau secara substantively enacted by the end of the
substantif telah berlaku pada akhir tahun reporting year.
pelaporan.
Manfaat terkait dengan rugi pajak yang dapat Tax benefits relating to tax loss that can be
ditarik untuk memulihkan pajak kini dari tahun carried back to recover current tax of a previous
sebelumnya diakui sebagai aset. Aset pajak year is recognized as an asset. Deferred tax
tangguhan diakui untuk akumulasi rugi pajak asset is recognized for the carry forward of
belum dikompensasi dan kredit pajak belum unused tax losses and unused tax credit to the
dimanfaatkan sepanjang kemungkinan besar extent that it is probable that future taxable
laba kena pajak masa depan akan tersedia profit will be available against which the unused
untuk dimanfaatkan dengan rugi pajak belum tax losses and unused tax credits can be
dikompensasi dan kredit pajak belum utilized.
dimanfaatkan.
Seluruh perbedaan temporer kena pajak diakui Deferred tax liability shall be recognized for all
sebagai liabilitas pajak tangguhan, kecuali taxable temporary differences, except to the
perbedaan temporer kena pajak yang berasal extent that the deferred tax liability arises from:
dari:
a. Pengakuan awal goodwill; atau a. The initial recognition of goodwill
b. Pengakuan awal aset atau liabilitas dari b. The initial recognition of an asset or liability
transaksi yang bukan kombinasi bisnis; in a transaction which is not a business
pada saat transaksi tidak mempengaruhi combination and at the time of the
laba akuntansi atau laba kena pajak (rugi transaction, affects neither accounting profit
pajak); dan pada saat transaksi tidak nor taxable profit (tax los); and at the time
menimbulkan perbedaan temporer kena of the transaction, it does not result in a
pajak dan perbedaan temporer dapat taxable temporary difference and a
dikurangkan dalam jumlah yang sama. deductible temporary difference in the
same amount.
Aset pajak tangguhan diakui untuk seluruh A deferred tax asset shall be recognized for all
perbedaan temporer dapat dikurangkan deductible temporary differences to the extent
sepanjang kemungkinan besar laba kena pajak that it is probable that taxable profit will be
akan tersedia sehingga perbedaan temporer available against which the deductible
dapat dimanfaatkan untuk mengurangi laba temporary difference can be utilized, unless the
dimaksud, kecuali jika aset pajak tangguhan deferred tax asset arises from the initial
timbul dari pengakuan awal aset atau recognition of an asset or liability in a
pengakuan awal liabilitas dalam transaksi transaction:
yang:
46
Page 583
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
a. Bukan kombinasi bisnis; a. That is not a business combination;
b. Pada saat transaksi tidak memengaruhi b. At the time of the transaction affects neither
laba akuntansi atau laba kena pajak (rugi accounting profit nor taxable profit (tax
pajak); dan loss); and
c. Pada saat transaksi, tidak menimbulkan c. At the time of the transaction do not give
perbedaan temporer kena pajak dan rise to taxable temporary differences and
perbedaan temporer dapat dikurangkan temporary differences can be offset in the
dalam jumlah yang sama. same amount.
Aset pajak tangguhan diakui untuk seluruh A deferred tax asset shall be recognized for all
perbedaan temporer dapat dikurangkan deductible temporary differences to the extent
sepanjang kemungkinan besar laba kena pajak that it is probable that taxable profit will be
akan tersedia sehingga perbedaan temporer available against which the deductible
dapat dimanfaatkan untuk mengurangi laba temporary difference can be utilized, unless the
dimaksud, kecuali jika aset pajak tangguhan deferred tax asset arises from the initial
timbul dari pengakuan awal aset atau recognition of an asset or liability in a
pengakuan awal liabilitas dalam transaksi yang transaction that is not a business combination
bukan kombinasi bisnis dan pada saat and at the time of the transaction affects neither
transaksi tidak memengaruhi laba akuntansi accounting profit nor taxable profit (tax loss).
atau laba kena pajak (rugi pajak).
Aset dan liabilitas pajak tangguhan diukur Deferred tax assets and liabilities are measured
dengan menggunakan tarif pajak yang at the tax rates that are expected to apply to
diharapkan berlaku ketika aset dipulihkan atau the period when the asset is realized or the
liabilitas diselesaikan, berdasarkan tarif pajak liability is settled, based on tax rates (and tax
(dan peraturan pajak) yang telah berlaku atau laws) that have been enacted or substantively
secara substantif telah berlaku pada akhir enacted by the end of the reporting period.
periode pelaporan.
Pengukuran aset dan liabilitas pajak tangguhan The measurement of deferred tax liabilities and
mencerminkan konsekuensi pajak yang sesuai deferred tax assets shall reflect the tax
dengan cara Bank memperkirakan, pada akhir consequences that would follow from the
periode pelaporan, untuk memulihkan atau manner in which the Bank expects, at the end
menyelesaikan jumlah tercatat aset dan of the reporting period, to recover or settle the
liabilitasnya. carrying amount of its assets and liabilities.
Jumlah tercatat aset pajak tangguhan ditelaah The carrying amount of a deferred tax asset
ulang pada akhir periode pelaporan. Bank reviewed at the end of each reporting period.
mengurangi jumlah tercatat aset pajak The Bank shall reduce the carrying amount of a
tangguhan jika kemungkinan besar laba kena deferred tax asset to the extent that it is no
pajak tidak lagi tersedia dalam jumlah yang longer probable that sufficient taxable profit will
memadai untuk mengompensasikan sebagian be available to allow the benefit of part or all of
atau seluruh aset pajak tangguhan tersebut. that deferred tax asset to be utilized. Any such
Setiap pengurangan tersebut dilakukan reduction shall be reversed to the extent that it
pembalikan atas aset pajak tangguhan hingga becomes probable that sufficient taxable profit
kemungkinan besar laba kena pajak yang will be available.
tersedia jumlahnya memadai.
Bank melakukan saling hapus aset pajak The Bank offsets deferred tax assets and
tangguhan dan liabilitas pajak tangguhan jika deferred tax liabilities if, and only if:
dan hanya jika:
a. Bank memiliki hak yang dapat dipaksakan a. The Bank has a legally enforceable right to
secara hukum untuk melakukan saling set off current tax assets against current
hapus aset pajak kini terhadap liabilitas tax liabilities; and
pajak kini; dan
b. Aset pajak tangguhan dan liabilitas pajak b. The deferred tax assets and the deferred
tangguhan terkait dengan pajak tax liabilities relate to income taxes levied
penghasilan yang dikenakan oleh otoritas by the same taxation authority on either:
perpajakan yang sama atas:
47
Page 584
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
i. Entitas kena pajak yang sama; atau i. The same taxable entity; or
ii. Entitas kena pajak yang berbeda ii. Different taxable entities which
yang bermaksud untuk memulihkan intend either to settle current
aset dan liabilitas pajak kini dengan tax liabilities and assets on a net
dasar neto, atau merealisasikan aset basis, or to realize the assets and
dan menyelesaikan liabilitas secara settle the liabilities simultaneously,
bersamaan, pada setiap periode in each future period in which
masa depan dimana jumlah signifikan significant amounts of deferred
atas aset atau liabilitas pajak tax liabilities or assets are expected
tangguhan diperkirakan untuk to be settled or recovered.
diselesaikan atau dipulihkan.
Bank melakukan saling hapus atas aset pajak The Bank offsets current tax assets and current
kini dan liabilitas pajak kini jika dan hanya jika, tax liabilities if, and only if, the Bank:
Bank:
a. Memiliki hak yang dapat dipaksakan a. Has legally enforceable right to set off the
secara hukum untuk melakukan saling recognized amounts; and
hapus atas jumlah yang diakui; dan
b. Bermaksud untuk menyelesaikan dengan b. Intends either to settle on a net basis, or to
dasar neto atau merealisasikan aset realize the assets and settle liabilities
dan menyelesaikan liabilitas secara simultaneously.
bersamaan.
2.v. Laba per saham dasar 2.v. Basic earnings per share
Laba per saham dasar dihitung dengan Basic earnings per share is computed by
membagi laba tahun berjalan dengan rata-rata dividing income for the year with the weighted
tertimbang jumlah saham biasa yang average number of outstanding common
ditempatkan dan disetor penuh selama tahun shares issued and are fully paid-up during
yang bersangkutan, setelah memperhitungkan the year, after considering the effect of stock
pembagian dividen saham dan saham bonus dividends and bonus shares distribution that
yang diterapkan secara retrospektif. applied retrospectively.
Bank tidak memiliki efek berpotensi saham The Bank has no outstanding dilutive potential
biasa yang bersifat dilutif pada tanggal ordinary shares as at December 31, 2024 and
31 Desember 2024 dan 2023, dan oleh 2023 and accordingly, no diluted earnings per
karenanya, laba per saham dilusian tidak share is calculated and presented in the
dihitung dan disajikan pada laporan laba rugi statements of profit or loss and other
dan penghasilan komprehensif lain. comprehensive income.
2.w. Program loyalitas pelanggan 2.w. Customer loyalty program
Program loyalitas pelanggan digunakan Bank Customer loyalty programs are used by banks
untuk memberikan insentif kepada pelanggan to provide incentives to customers to purchase
untuk membeli barang atau jasa tertentu. Jika certain goods or services. If the customer
pelanggan membeli barang atau jasa, maka purchases goods or services, the Bank will
Bank akan memberikan poin penghargaan award points to the customer (often referred to
kepada pelanggan (seringkali disebut sebagai as "points"). Customers can exchange these
“poin”). Pelanggan dapat menukar poin award points for goods or services for free or at
penghargaan tersebut dengan barang atau discounted rates. This interpretation applies to
jasa secara gratis atau dengan potongan customer loyalty reward points that:
harga. Interpretasi ini berlaku untuk poin
penghargaan loyalitas pelanggan yang:
a. diberikan oleh Bank kepada pelanggannya a. provided by the Bank to its customers as
sebagai bagian dari transaksi penjualan part of a sales transaction i.e. sale of
yaitu penjualan barang, pemberian jasa, goods, provision of services, or use of
atau penggunaan aset entitas-entitas assets of certain entities by customers; and
tertentu oleh pelanggan; dan
b. bergantung pada pemenuhan terhadap b. subject to compliance with any further
setiap kondisi lebih lanjut yang disyaratkan, conditions required, the Customer may
48
Page 585
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
pelanggan dapat menukar barang atau jasa exchange goods or services for free or at
secara gratis atau dengan potongan harga discounted rates in the future.
di masa depan.
2.x. Sewa 2.x. Lease
Bank sebagai lessor Bank as lessor
Dalam sewa menyewa operasi, Bank sebagai Under an operating lease, the Bank as a lessor
lessor mengakui aset untuk sewa operasi di presents assets subject to operating leases in
laporan posisi keuangan sesuai sifat aset its statements of financial position according to
tersebut. Bank mencatat aset tersebut sebagai the nature of the asset. The Bank recorded
aset sewa operasi yang disusutkan dengan those assets as assets under operating leases
menggunakan metode garis lurus selama umur which is depreciated using straight-line method
manfaat aset tersebut. Biaya langsung awal over the estimated useful lives of the assets.
sehubungan proses negosiasi sewa operasi Initial direct costs incurred in negotiating an
ditambahkan ke jumlah tercatat dari aset operating lease are added to the carrying
sewaan dan diakui sebagai beban selama amount of the leased asset and recognized
masa sewa dengan dasar yang sama dengan over the lease term on the same basis as rental
pendapatan sewa. Rental kontinjen, apabila income. Contingent rents, if any, are recognized
ada, diakui sebagai pendapatan pada tahun- as revenue in the years in which they are
tahun terjadinya. earned.
Bank sebagai lessee Bank as lessee
Kebijakan akuntansi sehubungan dengan The accounting policy related to the adoption of
penerapan PSAK 116 dimana Bank adalah PSAK 116 where Bank is the lessee has been
sebagai lessee diungkapkan pada Catatan 2l disclosed in Note 2l to the financial statements.
atas laporan keuangan.
2.y. Beban emisi saham 2.y. Shares issuance costs
Sesuai dengan Peraturan No. VIII.G.7 lampiran Based on the regulation No. VIII.G.7, appendix
Surat Keputusan Bapepam No. Kep- of Bapepam Decision Letter No. Kep-
06/PM/2000 tanggal 13 Maret 2000 mengenai 06/PM/2000 dated March 13, 2000 regarding
“Pedoman Penyajian Laporan Keuangan” “Guidance for Financial Statements
biaya-biaya emisi efek yang terjadi sehubungan Presentation”, costs related to the public offering
dengan penawaran saham kepada masyarakat of shares (including pre- emptive rights issue)
(termasuk penerbitan hak memesan efek are deducted from the proceeds and presented
terlebih dahulu) dikurangkan langsung dari hasil as a deduction from the “Additional Paid-in-
emisi dan disajikan sebagai pengurang pada Capital-Net account, under Equity section in the
akun “Tambahan Modal Disetor-Neto”, sebagai statements of financial position.
bagian dari Ekuitas pada laporan posisi
keuangan.
2.aa.Peristiwa setelah periode pelaporan 2.aa.Events after the reporting period
Peristiwa setelah periode pelaporan yang Events after the reporting period that provide
memberikan informasi tambahan tentang posisi additional information about the Bank’s
Bank pada periode pelaporan (menyesuaikan position at the reporting period (adjusting
peristiwa) tercermin dalam laporan keuangan. events) are reflected in the financial
statements.
Peristiwa setelah periode pelaporan yang tidak Events after the reporting period that are not
menyesuaikan peristiwa, jika ada, diungkapkan adjusting events, if any, are disclosed when
ketika material terhadap laporan keuangan. material to the financial statements.
2.ab.Kombinasi Bisnis Entitas Sepengendali 2.ab.Business combination for Under Common
Control Entities
Akuisisi entitas anak yang memenuhi kriteria Acquisition of a subsidiary that represents a
sebagai transaksi restrukturisasi entitas restructuring transaction of entities under
sepengendali dicatat berdasarkan PSAK 338, common control are accounted for in
“Akuntansi Restrukturisasi Entitas accordance with PSAK 338, “Accounting for
49
Page 586
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Sepengendali”. Berdasarkan standar ini, Restructuring of Entities Under Common
akuisisi entitas anak dicatat berdasarkan Control”. Based on this standard, acquisition of
penyatuan kepemilikan (pooling of interest) a subsidiary is accounted for based on the
dimana aset dan liabilitas entitas anak dicatat pooling of interest, wherein assets and
sesuai dengan nilai bukunya. Selisih antara liabilities of a subsidiary are recorded at their
harga penyerahan dan bagian Grup atas nilai book values. The difference between the
buku entitas anak, jika ada, dicatat sebagai transfer price and the Group’s interest in a
“Selisih Nilai Transaksi Restrukturisasi Entitas subsidiary’s book values, if any, is recorded as
Sepengendali” dan disajikan sebagai bagian “Difference in Value Arising from Restructuring
dari ekuitas sebagai tambahan modal disetor. Transactions of Entities under Common
Control” and presented as part of equity as
additional paid-in capital.
3. Pertimbangan Akuntansi Yang Penting Dan 3. Critical Accounting Judgments And Key
Sumber Utama Ketidakpastian Estimasi Sources Of Estimation Uncertainty
Dalam proses penerapan kebijakan akuntansi In the process of applying the Bank’s
Bank, manajemen telah melakukan accounting policies, management has
pertimbangan profesional dan estimasi dalam exercised professional judgments and
menentukan jumlah yang diakui dalam laporan estimates in determining the amounts
keuangan. Beberapa pertimbangan profesional recognized in the financial statements. The
dan estimasi yang signifikan adalah sebagai several significant uses of the professional
berikut: judgments and estimates are as follows:
a. Sumber utama atas ketidakpastian estimasi a. Key sources of estimation uncertainty
Cadangan kerugian penurunan nilai atas Allowances for impairment losses on
aset keuangan financial assets
Saat mengukur ECL, Bank menggunakan When measuring ECL the Bank uses
informasi masa depan yang wajar dan reasonable and supportable forward-looking
dapat didukung, yang didasarkan pada information, which is based on assumptions
asumsi untuk pergerakan masa depan dari for the future movement of different
berbagai pendorong ekonomi dan economic drivers and how these drivers will
bagaimana penggerak ini akan saling affect each other.
memengaruhi.
Loss given default adalah estimasi kerugian Loss given default is an estimate of the loss
yang timbul karena gagal bayar. arising on default. It is based on the
Perhitungan didasarkan pada perbedaan difference between the contractual cash
antara arus kas kontraktual terutang dan flows due and those that the lender would
yang diharapkan akan diterima, dengan expect to receive, taking into account cash
mempertimbangkan arus kas dari agunan flows from collateral and integral credit
dan peningkatan kredit integral. enhancements.
Probability of default merupakan input Probability of default constitutes a key input
utama dalam mengukur ECL. Probability of in measuring ECL. Probability of default is
default adalah perkiraan kemungkinan an estimate of the likelihood of default over
gagal bayar selama jangka waktu tertentu, a given time horizon, the calculation of
yang penghitungannya mencakup data which includes historical data, assumptions
historis, asumsi, dan ekspektasi kondisi and expectations of future conditions.
masa depan.
Evaluasi atas kerugian penurunan nilai aset Financial assets accounted for at amortized
keuangan yang dicatat pada biaya cost are evaluated for impairment on the
perolehan diamortisasi dijelaskan di basis described in Note 2k.
Catatan 2k.
Kondisi spesifik counterparty yang In the calculation of allowance for
mengalami penurunan nilai dalam impairment losses of financial assets, the
pembentukan cadangan kerugian atas aset specific condition of impaired counterparty
50
Page 587
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
keuangan dievaluasi secara individu is individually evaluated based on
berdasarkan estimasi terbaik manajemen management's best estimate of the present
atas nilai kini arus kas yang diharapkan value of the expected cash flows to be
akan diterima, baik dari waktu dan jumlah. received, including both timing and amount.
Dalam mengestimasi arus kas tersebut, In estimating these cash flows,
manajemen membuat pertimbangan management makes judgements about the
tentang situasi keuangan counterparty dan counterparty's financial situation and the net
nilai realisasi bersih dari setiap agunan, realizable value of any underlying collateral,
serta probabilitas rata-rata tertimbang including weighted average probability of
kerugian kredit. Setiap aset yang credit losses. Each impaired asset is
mengalami penurunan nilai dinilai sesuai assessed on its merits, and the workout
dengan manfaat yang ada, dan strategi strategy and estimated cash flows
penyelesaian serta estimasi arus kas yang considered recoverable.
diperkirakan dapat diterima.
Evaluasi cadangan kerugian penurunan Collectively-assessed allowance for
nilai secara kolektif meliputi kerugian kredit impairment losses cover credit losses
yang melekat pada portofolio aset inherent in portfolios of financial assets with
keuangan dengan karakteristik ekonomi similar economic characteristics but the
yang sama, tetapi penurunan nilai secara individual impaired items cannot yet be
individu belum dapat diidentifikasi. Dalam identified. In assessing the need for
menentukan perlunya membentuk collectively assessed allowance for
cadangan kerugian penurunan nilai kredit impairment losses, management considers
secara kolektif, manajemen factors such as credit quality, portfolio size,
mempertimbangkan faktor-faktor seperti credit concentrations, and economic factors.
kualitas kredit, besarnya portofolio, In order to estimate the required allowance,
konsentrasi kredit, dan faktor-faktor assumptions are made to define the way
ekonomi. Dalam mengestimasi cadangan inherent losses are modeled and to
yang diperlukan, asumsi-asumsi dibuat determine the required input parameters,
untuk menentukan model kerugian bawaan based on historical experience, current
dan untuk menentukan parameter input economic conditions, and forecast on future
yang diperlukan, berdasarkan pengalaman economic conditions.
historis, kondisi ekonomi saat ini, dan
perkiraan kondisi ekonomi di masa depan.
Ketepatan dari cadangan ini bergantung The accuracy of the allowances depends on
pada seberapa tepat estimasi arus kas how well these estimates of future cash flows
masa depan untuk menentukan cadangan for specific counterparty allowances and the
individual serta asumsi model dan model assumptions and parameters used in
parameter yang digunakan dalam determining collective allowances.
menentukan cadangan kolektif.
Estimasi Masa Sewa Estimation of Lease Term
Dalam mengestimasi masa sewa dari When estimating the lease term of the
masing-masing perjanjian sewa, respective lease arrangement, management
manajemen mempertimbangkan seluruh considers all facts and circumstances that
fakta dan keadaan yang memberikan create an economic incentive to exercise an
insentif ekonomik untuk mengeksekusi extension option, or not to exercise a
opsi perpanjangan, atau untuk tidak termination option, including any expected
mengeksekusi opsi penghentian, termasuk changes in facts and circumstances from
perubahan fakta atau keadaan yang the commencement date until the exercise
diekspektasi dari tanggal permulaan hingga date of the option. Extension options (or
tanggal eksekusi opsi. Opsi perpanjangan periods after termination options) are only
(atau periode setelah opsi penghentian) included in the lease term if the lease is
hanya diperhitungkan dalam masa sewa reasonably certain to be extended (or not
jika sewa cukup pasti akan diperpanjang terminated).
(atau tidak dihentikan).
51
Page 588
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Penentuan nilai wajar Determining fair values
Dalam menentukan nilai wajar atas aset In determining the fair value for financial
keuangan dan liabilitas keuangan dimana assets and liabilities for which there is no
tidak terdapat harga pasar yang dapat observable market price, Bank should use
diobservasi, Bank harus menggunakan the valuation techniques as described in
teknik penilaian seperti dijelaskan pada Note 2c. For financial instruments that are
Catatan 2c. Untuk instrumen keuangan infrequently traded and have little price
yang jarang diperdagangkan dan tidak transparency, fair value is less objective,
memiliki harga yang transparan, nilai and requires varying degrees of judgment
wajarnya menjadi kurang objektif dan depending on liquidity, concentration,
karenanya, membutuhkan tingkat uncertainty of market factors, pricing
pertimbangan yang beragam, tergantung assumptions and other risks affecting the
pada likuiditas, konsentrasi, ketidakpastian specific instrument.
faktor pasar, asumsi penentuan harga,
dan risiko lainnya yang memengaruhi
instrumen tertentu.
Aset pajak tangguhan Deferred tax assets
Aset pajak tangguhan diakui atas jumlah Deferred tax assets are recognized for the
pajak penghasilan terpulihkan future recoverable taxable income arising
(recoverable) pada periode mendatang from temporary difference.
sebagai akibat perbedaan temporer yang
boleh dikurangkan.
Pertimbangan manajemen diperlukan Management judgment is required to
untuk menentukan jumlah aset pajak determine the amount of deferred tax
tangguhan yang dapat diakui, sesuai assets that can be recognized, based upon
dengan waktu yang tepat dan tingkat laba the likely timing and level of future taxable
fiskal di masa mendatang sejalan dengan profits together with future strategic
strategi rencana perpajakan ke depan planning (Note 2u).
(Catatan 2u).
Penyusutan Aset Tetap Depreciation of Fixed Assets
Manajemen mengestimasi masa manfaat Management properly estimates the
ekonomis aset tetap Bank antara 1 sampai useful lives of the Bank’s fixed assets to
dengan 20 tahun. Ini merupakan masa be within 1 to 20 years. These are
manfaat ekonomis yang secara umum common life expectancies applied in the
diharapkan dalam industri perbankan. banking industries. Changes in the
Perubahan tingkat pemakaian dan expected level of usage and technological
perkembangan teknologi dapat development could impact the economic
mepengaruhi masa manfaat ekonomis dan useful lives and the residual values of
nilai sisa aset, dan karenanya beban these assets, and therefore future
penyusutan masa depan mungkin direvisi. depreciation charges could be revised.
Penjelasan lebih rinci diungkapkan dalam Further details are disclosed in Notes 2l
Catatan 2l dan 13. and 13.
Revaluasi Aset Tetap The Revaluation of Fixed assets
Revaluasi aset tetap Bank bergantung The Bank’s fixed assets revaluation
pada pemilihan asumsi yang digunakan depends on its selection of certain
oleh penilai independen dalam menghitung assumptions used by the independent
jumlah-jumlah tersebut. Asumsi tersebut appraisal in calculating such amounts.
termasuk antara lain: tingkat diskonto, nilai Those assumptions include discount rate,
tukar, tingkat inflasi dan tingkat kenaikan exchange rate, inflation rate and revenue
pendapatan dan biaya. Bank berkeyakinan and cost increase rate. The Bank believes
bahwa asumsi tersebut adalah wajar dan that its assumptions are reasonable and
sesuai, perbedaan signifikan dalam asumsi appropriate and significant differences in
yang ditetapkan Bank dapat mempengaruhi the Bank’s assumptions may materially
secara material nilai aset tetap yang affect the valuation of its revalued fixed
direvaluasi. Penjelasan lebih rinci assets. Further details are disclosed in
diungkapkan dalam Catatan 13. Note 13.
52
Page 589
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Imbalan kerja Employee benefits
Penentuan liabilitas imbalan kerja Bank The determination of the Bank’s employee
bergantung pada pemilihan asumsi yang benefits liability is dependent on its
digunakan oleh aktuaris independen dan selection of certain assumptions used by
manajemen Bank dalam menghitung the independent actuaries and the Bank’s
jumlah-jumlah tersebut. Asumsi tersebut management in calculating such amounts.
termasuk antara lain, tingkat diskonto, Those assumptions include among others,
tingkat kenaikan gaji tahunan, tingkat discount rates, future annual salary
pengunduran diri karyawan tahunan, increase, annual employee turn-over rate,
tingkat kecacatan, umur pensiun, dan disability rate, retirement age, and mortality
tingkat kematian (Catatan 22). rate (Note 22).
Pajak penghasilan Income tax
Bank mengakui liabilitas atas pajak The Bank recognizes liabilities for corporate
penghasilan badan berdasarkan estimasi income tax based on estimation of whether
apakah akan terdapat tambahan pajak additional corporate income tax will be due.
penghasilan badan.
b. Pertimbangan akuntansi yang penting c. b. Critical accounting judgments in applying
dalam menerapkan kebijakan akuntansi the Bank’s accounting policies
Bank
Pertimbangan akuntansi yang penting Critical accounting judgments made in
dalam menerapkan kebijakan akuntansi applying the Bank’s accounting policies
Bank meliputi: include:
Penilaian instrumen keuangan Valuation of financial instruments
Bank menggunakan hierarki berikut untuk The Bank adopts the following hierarchy
menentukan dan mengungkapkan nilai for determining and disclosing the fair
wajar dari instrumen keuangan value of financial instruments (Note 41) :
(Catatan 41) :
- Level 1 : - Level 1 :
harga kuotasian (tanpa penyesuaian) quoted (unadjusted) market prices in
di pasar aktif untuk aset atau liabilitas active market for identical assets or
yang identik; liabilities;
- Level 2 : - Level 2 :
input selain harga kuotasian yang inputs other than quoted prices
termasuk dalam Level 1 yang dapat included within Level 1 that are
diobservasi untuk aset dan liabilitas observable for the asset or liability
baik secara langsung (misalnya harga) either directly (for example, price) or
atau secara tidak langsung; indirectly;
- Level 3 : - Level 3 :
input untuk aset dan liabilitas yang inputs for the asset and liability that
bukan berdasarkan data pasar yang are not based on observable market
dapat diobservasi (input yang tidak data (unobservable inputs).
dapat diobservasi).
Kebijakan akuntansi Bank untuk The Bank’s accounting policy on fair value
pengukuran nilai wajar dibahas di measurements is discussed in Note 2.
Catatan 2.
Nilai wajar dari aset keuangan dan Fair values of financial assets and
liabilitas keuangan yang diperdagangkan financial liabilities that are traded in active
di pasar aktif didasarkan pada kuotasi markets are based on quoted market
harga pasar atau kuotasi dari harga prices or dealer price quotations. For all
dealer. Untuk seluruh instrumen keuangan other financial instruments, the Bank
lainnya, Bank menentukan nilai wajar determines fair values using valuation
dengan menggunakan teknik penilaian. techniques.
53
Page 590
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Teknik penilaian termasuk model nilai Valuation techniques include net present
sekarang dan arus kas yang value and discounted cash flow models,
didiskontokan, dan perbandingan dengan and comparison to similar instruments for
instrumen yang sejenis dimana terdapat which market observable prices exist.
harga pasar yang dapat diobservasi. Assumptions and inputs used in valuation
Asumsi dan input yang digunakan dalam techniques include risk-free and
teknik penilaian termasuk suku bunga benchmark interest rates, credit spreads,
bebas risiko (risk-free) dan suku bunga and other variable used in estimating
acuan, credit spread, dan variabel lainnya discount rates, bond prices, foreign
yang digunakan dalam mengestimasi currency exchange rates, and price
tingkat diskonto, harga obligasi, kurs mata volatilities and correlations.
uang asing, serta tingkat kerentanan dan
korelasi harga yang diharapkan.
Tujuan dari teknik penilaian adalah The objective of valuation techniques is to
penentuan nilai wajar yang mencerminkan arrive at a fair value determination that
harga dari instrumen keuangan pada reflects the price of the financial
tanggal pelaporan yang akan ditentukan instrument at the reporting date that would
oleh para partisipan di pasar dalam suatu have been determined by market
transaksi yang wajar. participants acting at arm’s length.
Penilaian model bisnis Business model assessment
Klasifikasi dan pengukuran aset keuangan Classification and measurement of
bergantung pada hasil ‘semata dari financial assets depends on the results of
pembayaran pokok dan bunga’ (”SPPI”) the SPPI (please see financial assets
(lihat bagian aset keuangan pada sections of Note 3) and the business
Catatan 3) dan uji model bisnis. Bank model test. The Bank determines the
menentukan model bisnis pada tingkat business model at a level that reflects how
yang mencerminkan bagaimana kelompok group of financial assets are managed
aset keuangan dikelola bersama untuk together to achieve a particular business
mencapai tujuan bisnis tertentu. Penilaian objective. This assessment includes
ini mencakup penilaian yang judgement reflecting all relevant evidence
mencerminkan semua bukti yang relevan including how the performance of the
termasuk bagaimana kinerja aset assets is evaluated and their performance
dievaluasi dan kinerjanya diukur, risiko measured, the risks that affect the
yang memengaruhi kinerja aset dan performance of the assets and how these
bagaimana hal ini dikelola dan bagaimana are managed and how the managers of
manajer aset diberi kompensasi. Bank the assets are compensated. The Bank
memantau aset keuangan yang diukur monitors financial assets measured at
pada biaya perolehan diamortisasi atau amortized cost or fair value through other
nilai wajar melalui penghasilan comprehensive income that are
komprehensif lain yang dihentikan derecognized prior to their maturity to
pengakuannya sebelum jatuh tempo untuk understand the reason for their disposal
memahami alasan pelepasannya dan and whether the reasons are consistent
apakah alasan tersebut konsisten dengan with the objective of the business for which
tujuan bisnis di mana aset tersebut dimiliki. the asset was held. Monitoring is part of the
Pemantauan adalah bagian dari penilaian Bank’s continuous assessment of whether
berkelanjutan Bank atas apakah model the business model for which the
bisnis di mana aset keuangan yang tersisa remaining financial assets are held
dimiliki tetap sesuai dan jika tidak sesuai continues to be appropriate and if it is not
apakah telah terjadi perubahan dalam appropriate whether there has been a
model bisnis dan dengan demikian change in business model and so a
terdapat perubahan prospektif terhadap prospective change to the classification of
klasifikasi aset keuangan tersebut. Tidak those assets. No such changes were
ada perubahan yang diperlukan selama required during the periods presented.
periode yang disajikan.
54
Page 591
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Peningkatan risiko kredit yang signifikan Significant increase in credit risk
Sebagaimana dijelaskan dalam As explained in Note 3, expected credit
Catatan 3, kerugian kredit ekspektasian losses are measured as an allowance
diukur sebagai cadangan yang setara equal to 12 months ECL for stage 1
dengan ECL 12 bulan untuk aset stage 1, assets, or lifetime ECL for stage 2 or stage
atau ECL sepanjang umur untuk aset stage 3 assets. An asset moves to stage 2 when
2 atau stage 3. Suatu aset bergerak ke its credit risk has increased significantly
stage 2 ketika risiko kreditnya telah since initial recognition. PSAK 409 does
meningkat secara signifikan sejak not define what constitutes a significant
pengakuan awal. PSAK 409 tidak increase in credit risk. In assessing
menjelaskan apa yang merupakan whether the credit risk of an asset has
peningkatan risiko kredit yang signifikan. significantly increased, the Bank takes into
Dalam menilai apakah risiko kredit suatu account qualitative and quantitative
aset telah meningkat secara signifikan, reasonable and supportable forward-
Bank mempertimbangkan informasi masa looking information.
depan yang wajar dan dapat didukung
secara kualitatif dan kuantitatif.
Klasifikasi aset dan liabilitas keuangan Financial asset and liability classification
Kebijakan akuntansi Bank menetapkan The Bank’s accounting policies determine
klasifikasi atas aset dan liabilitas tertentu the classifications of certain assets and
sebagai aset dan liabilitas keuangan liabilities as financial assets and liabilities
dengan mempertimbangkan definisi yang by considering the definition set forth in
ditetapkan PSAK 409. PSAK 409.
Penurunan nilai aset non-keuangan Impairment of non-financial assets
Bank mengevaluasi penurunan nilai aset The Bank assesses impairment of assets
apabila terdapat kejadian atau whenever events or changes in
perubahan keadaan yang circumstances that would indicates that
mengindikasikan bahwa nilai tercatat the carrying amount of an asset may not
aset tidak dapat dipulihkan kembali. be recoverable. The factors that the Bank
Faktor-faktor penting yang dapat considers important which could trigger an
menyebabkan penelaahan penurunan impairment review include the following:
nilai adalah sebagai berikut:
a) performa yang tidak tercapai secara a) significant underperformance relative
signifikan terhadap ekspektasi historis to expected historical or projected
atau proyeksi hasil operasi di masa future operating results;
yang akan datang;
b) perubahan yang signifikan dalam cara b) significant changes in the manner of
penggunaan aset atau strategi bisnis use of the acquired assets or the
secara keseluruhan; dan strategy for overall business; and
c) industri atau tren ekonomi yang c) significant negative industry or
secara signifikan bernilai negatif. economic trends.
Bank mengakui kerugian penurunan nilai The Bank recognizes an impairment loss
apabila nilai tercatat aset melebihi nilai yang whenever the carrying amount of an asset
dapat dipulihkan. Jumlah terpulihkan adalah exceeds its recoverable amount. The
nilai yang lebih tinggi antara nilai wajar recoverable amount is the higher of an asset’s
dikurangi biaya untuk menjual dengan nilai (or cash-generating unit’s) fair value less costs
pakai aset (atau unit penghasil kas). Jumlah to sell and its value in use. Recoverable
terpulihkan diestimasi untuk aset individual amounts are estimated for individual assets or,
atau, jika tidak memungkinkan, untuk unit if it is not possible, for the cash-generating unit
penghasil kas yang mana aset tersebut to which the asset belongs.
merupakan bagian daripada unit tersebut.
55
Page 592
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
4. Kas 4. Cash
2024 2023
Rupiah Rupiah
Khasanah 1,955,245,700 3,848,905,800 Vault room
Jumlah 1,955,245,700 3,848,905,800 Total
Kas dalam penyimpanan diasuransikan Cash in vault are insured for all risks of
terhadap semua risiko kehilangan dan/atau physical loss and/or damage with PT Asuransi
kerusakan kepada PT Asuransi Umum Mega Umum Mega with sum insured amounting to
dengan jumlah pertanggungan sebesar Rp3,000,000,000 for the years ended
Rp3.000.000.000 pada tanggal 31 Desember December 31, 2024 and 2023, respectively.
2024 dan 2023.
Manajemen Bank berpendapat bahwa nilai The management of the Bank believes that
pertanggungan tersebut cukup untuk the insurance coverage is adequate to cover
menutupi kemungkinan kerugian dari risiko possible losses arising from such risks.
tersebut.
5. Giro pada Bank Indonesia 5. Current Accounts with Bank Indonesia
2024 2023
Rupiah Rupiah
Giro pada Bank Indonesia 234,891,975,965 233,442,087,888 Current accounts with Bank Indonesia
Jumlah 234,891,975,965 233,442,087,888 Total
Giro Wajb Minimum (GWM) Bank sesuai Minimum Statutory Reserves (GWM) Bank in
dengan Peraturan Bank Indonesia dan accordance with Bank Indonesia (BI)
Peraturan Anggota Dewan Gubernur (PADG) Regulation Regulation of Members of The
diungkapkan pada Catatan 45a. Board of Governors (PADG) are disclosed in
Note 45a.
6. Giro pada Bank Lain 6. Current Accounts with Other Banks
a. Berdasarkan mata uang a. By currency
2024 2023
Rupiah Rupiah
Pihak berelasi (Catatan 36) 46,729,528,498 177,910,333,490 Related parties (Note 36)
Cadangan kerugian Allowance for
penurunan nilai (46,729,528) (177,910,333) Impairment losses
Jumlah giro pada bank lain kepada Total current accounts with other
pihak berelasi - neto 46,682,798,970 177,732,423,157 banks to related parties - net
Pihak ketiga Third parties
PT Bank Central Asia Tbk 8,840,730,960 38,203,199,413 PT Bank Central Asia Tbk
PT Bank Mandiri (Persero) Tbk 191,304,735 -- PT Bank Mandiri (Persero) Tbk
Standard Chartered Bank 124,482,338 -- Standard Chartered Bank
Jumlah 9,156,518,033 38,203,199,413 Total
Cadangan kerugian Allowance for
penurunan nilai (9,156,518) (38,203,199) Impairment losses
Jumlah giro pada bank lain kepada Total current accounts with other
pihak ketiga - neto 9,147,361,515 38,164,996,214 banks to third parties - net
Jumlah - neto 55,830,160,485 215,897,419,371 Total - net
56
Page 593
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
b. Berdasarkan kolektibilitas b. By collectability
Kolektibilitas giro pada bank lain sesuai Collectibility current accounts with other
Peraturan OJK diungkapkan pada Catatan banks in accordance with Financial
45b. Service Authority Rule are disclosed In
Note 45b.
c. Nilai tercatat bruto c. Gross carrying amount
Perubahan nilai tercatat bruto adalah The movements in the gross carrying
sebagai berikut: amount are as follows:
31 Desember/ December 31, 2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal 216,113,532,903 -- -- 216,113,532,903 Initial gross carrying amount
Aset baru 315,787,073 -- -- 315,787,073 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) -- -- -- -- (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali (160,543,273,445) -- -- (160,543,273,445) Remeasurement
Nilai tercatat bruto akhir 55,886,046,531 -- -- 55,886,046,531 Ending gross carrying amount
31 Desember/ December 31, 2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal 189,830,167,856 -- -- 189,830,167,856 Initial gross carrying amount
Aset baru -- -- -- -- New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (769,831,739) -- -- (769,831,739) (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali 27,053,196,786 -- -- 27,053,196,786 Remeasurement
Nilai tercatat bruto akhir 216,113,532,903 -- -- 216,113,532,903 Ending gross carrying amount
d. Cadangan kerugian penurunan nilai d. Allowance for impairment losses
Perubahan cadangan kerugian penurunan The movement of the allowance for
nilai atas giro pada bank lain dihitung impairment losses of current account with
dengan menggunakan KKE 12 bulan, other banks computed based on 12 months
adalah sebagai berikut: ECL, is as follows:
31 Desember/ December 31, 2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal (216,113,532) -- -- (216,113,532) Initial balance
Aset baru (315,787) -- -- (315,787) New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) -- (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali 160,543,273 -- -- 160,543,273 Remeasurement
Saldo akhir (55,886,046) -- -- (55,886,046) Ending balance
31 Desember/ December 31, 2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal (189,553,950) -- -- (189,553,950) Initial balance
Aset baru -- -- -- -- New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) 768,712 -- -- 768,712 (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali (27,328,294) -- -- (27,328,294) Remeasurement
Saldo akhir (216,113,532) -- -- (216,113,532) Ending balance
Manajemen berpendapat bahwa The management believes that the
cadangan kerugian penurunan nilai giro allowance for impairment losses on current
pada bank lain pada tanggal account with other banks as at December
31 Desember 2024 dan 2023 telah 31, 2024 and 2023 is adequate.
memadai.
57
Page 594
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
e. Tingkat suku bunga rata-rata e. Average interest rate
Tingkat suku bunga rata-rata giro pada The average interest rates of current
bank lain adalah sebagai berikut: account with other banks are as follows:
2024 2023
Rupiah 0 - 3.50% 0 - 3.50% Rupiah
f. Pada tanggal 31 Desember 2024 dan f. As at December 31, 2024 and 2023, there
2023, tidak terdapat giro pada bank lain are no current account with other banks
yang dijaminkan. which are pledged as collateral.
7. Penempatan pada Bank Indonesia dan 7. Placements with Bank Indonesia and Other
Bank Lain Banks
a. Berdasarkan pihak, mata uang, dan jenis a. By counterparties, currency, and type
2024 2023
Rupiah Rupiah
Pihak ketiga Third parties
Penempatan pada Bank Indonesia Placements with Bank Indonesia
Bank Indonesia - Deposit Facility
setelah dikurangi diskonto Bank Indonesia - Deposit Facility
belum diamortisasi 499,927,104,595 199,970,850,337 net of unamortized discount
499,927,104,595 199,970,850,337
Pihak berelasi (Catatan 36) Related parties (Note 36)
Penempatan pada bank lain Placements with other banks
Call money 2,150,000,000,000 1,200,000,000,000 Call money
2,150,000,000,000 1,200,000,000,000
Jumlah 2,649,927,104,595 1,399,970,850,337 Total
b. Berdasarkan kolektibilitas b. By collectability
Kolektibilitas penempatan pada bank Collectibility current accounts with other
Indonesia dan bank lain sesuai Peraturan banks in accordance with Financial
OJK diungkapkan pada Catatan 45c. Service Authority Rule are disclosed In
Note 45c.
c. Berdasarkan jangka waktu c. By on time period
Jumlah tercatat penempatan pada Bank Placements with Bank Indonesia and other
Indonesia dan bank lain berdasarkan banks based on time period as of December
jangka waktu pada tanggal 31 Desember 31, 2024 and 2023 are as follows:
2024 dan 2023 adalah sebagai berikut:
2024 2023
Rupiah Rupiah
Sampai dengan 1 bulan 2,649,927,104,595 1,399,970,850,337 Up to 1 month
Jumlah 2,649,927,104,595 1,399,970,850,337 Total
d. Berdasarkan sisa umur jatuh tempo d. By remaining period of maturity
Jumlah tercatat penempatan pada Bank Placements with Bank Indonesia and other
Indonesia dan bank lain berdasarkan sisa banks based on the remaining period of
umur jatuh tempo berikut: maturity are as follows:
2024 2023
Rupiah Rupiah
Sampai dengan 1 bulan 2,649,927,104,595 1,399,970,850,337 Up to 1 month
Jumlah 2,649,927,104,595 1,399,970,850,337 Total
58
Page 595
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
e. Nilai tercatat bruto adalah sebagai berikut: e. Gross carrying amount are as follows:
31 Desember/ December 31, 2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal 1,399,970,850,337 -- -- 1,399,970,850,337 Initial gross carrying amount
Aset baru -- -- -- -- New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) -- -- -- -- (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali 1,249,956,254,258 1,249,956,254,258 Remeasurement
Nilai tercatat bruto akhir 2,649,927,104,595 -- -- 2,649,927,104,595 Ending gross carrying amount
31 Desember/ December 31, 2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal 374,938,237,140 -- -- 374,938,237,140 Initial gross carrying amount
Aset baru 1,200,000,000,000 -- -- 1,200,000,000,000 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (74,977,804,811) -- -- (74,977,804,811) (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali (99,989,581,992) -- -- (99,989,581,992) Remeasurement
Nilai tercatat bruto akhir 1,399,970,850,337 -- -- 1,399,970,850,337 Ending gross carrying amount
f. Cadangan kerugian penurunan nilai f. Allowance for impairment losses
Manajemen Bank berpendapat bahwa The Bank’s management believed that
cadangan kerugian penurunan nilai pada allowance for impairment losses as at
tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023 are not
tidak diperlukan. required.
g. Tingkat suku bunga rata-rata g. Average interest rate
Tingkat suku bunga rata-rata penempatan The average interest rates of placements
pada Bank Indonesia dan bank lain with Bank Indonesia and other banks are as
adalah sebagai berikut: follows:
2024 2023
Rupiah 6.10% 5.25% Rupiah
h. Pada tanggal 31 Desember 2024 dan h. As at December 31, 2024 and 2023, there
2023 tidak terdapat penempatan pada are no placements with Bank Indonesia
Bank Indonesia dan bank lain yang and other banks which are pledged as
dijaminkan. collateral.
8. Efek-Efek 8. Marketable Securities
a. Berdasarkan jenis dan mata uang a. By type and currency
2024 2023
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain comprehensive income
Rupiah Rupiah
Obligasi 2,953,776,000,000 3,254,500,000,000 Bonds
Diskon belum diamortisasi (96,111,217,787) (169,243,672,295) Unamortized discount
Keuntungan yang belum
terealisasi (10,395,190,853) 97,582,852,295 Unrealized gain
Jumlah 2,847,269,591,360 3,182,839,180,000 Total
59
Page 596
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
b. Berdasarkan penerbit b. By issuer
2024 2023
Pihak ketiga Third parties
Pemerintah 2,847,269,591,360 3,182,839,180,000 Government
Jumlah 2,847,269,591,360 3,182,839,180,000 Total
c. Berdasarkan sisa umur jatuh tempo c. By remaining maturity
2024 2023
3-12 bulan 1,764,382,591,360 -- 3-12 months
Lebih dari 5 tahun 1,082,887,000,000 3,182,839,180,000 More than 5 years
Jumlah 2,847,269,591,360 3,182,839,180,000 Total
d. Berdasarkan kolektibilitas d. By collectability
Berdasarkan hasil penelaahan dan Based on the Bank’s management review
evaluasi manajemen Bank, seluruh efek- and evaluation, all securities in accordance
efek sesuai Peraturan OJK diungkapkan with Financial Services Authority
pada Catatan 45d. Regulation are disclosed in Note 45d.
e. Jangka waktu dan tingkat suku bunga rata- e. Maturity period and average interest rates
rata efek-efek adalah sebagai berikut: of securities are as follows:
2024 2023
Jangka waktu Maturity Period
Obligasi pemerintah 1 - 11 tahun/years 10 - 13 tahun/years Government bonds
Tingkat bunga Average interest rate
rata-rata pertahun per annum
Obligasi pemerintah 6.75% 6.45% Government bonds
f. Nilai tercatat bruto adalah sebagai berikut: f. Gross carrying amount are as follows:
31 Desember/ December 31, 2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal 3,182,839,180,000 -- -- 3,182,839,180,000 Initial gross carrying amount
Aset baru 2,436,424,264,273 -- -- 2,436,424,264,273 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (2,776,552,050,000) -- -- (2,776,552,050,000) (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali 4,558,197,087 4,558,197,087 Remeasurement
Nilai tercatat bruto akhir 2,847,269,591,360 -- -- 2,847,269,591,360 Ending gross carrying amount
31 Desember/ December 31, 2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal 1,896,710,000,000 -- -- 1,896,710,000,000 Initial gross carrying amount
Aset baru 1,718,719,180,000 -- -- 1,718,719,180,000 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (499,000,000,000) -- -- (499,000,000,000) (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali 66,410,000,000 -- -- 66,410,000,000 Remeasurement
Nilai tercatat bruto akhir 3,182,839,180,000 -- -- 3,182,839,180,000 Ending gross carrying amount
Pada tanggal 31 Desember 2024 dan As at December 31, 2024 and 2023, there
2023 tidak terdapat efek-efek yang are no impairment losses in securities.
mengalami penurunan nilai.
Manajemen Bank berpendapat bahwa The Bank’s management believes that
cadangan kerugian penurunan nilai untuk allowance for impairment losses as at
31 Desember 2024 dan 2023 tidak December 31, 2024 and 2023 are not
diperlukan. required.
60
Page 597
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
g. Pada tanggal 31 Desember 2024 dan g. As at December 31, 2024 and 2023, there
2023, tidak terdapat efek-efek yang were no securities which were pledged as
dijaminkan. collateral.
h. Perubahan keuntungan yang belum h. Unrealized gain from changes in fair
direalisasi atas efek-efek yang values through other comprehensive
diklasifikasikan sebagai nilai wajar melalui income in securities are as follows:
pendapatan komprehensif lain adalah
sebagai berikut:
2024 2023
Saldo awal 76,114,624,789 45,645,505,878 Beginning balance
Keuntungan yang direalisasi ke laba rugi Realized gains to profit or loss
atas penjualan efek-efek from sale of marketable securities
selama tahun berjalan (69,095,190,316) (37,373,920,257) during the year
Penambahan laba yang belum Increase in unrealized
direalisasi selama tahun berjalan (38,882,852,832) 89,311,266,674 gain during the year
Pajak penghasilan terkait 21,468,227,506 (11,426,216,212) Related income tax
Penyesuaian saldo awal -- (10,042,011,294) Adjustment beginning balance
Saldo akhir (10,395,190,853) 76,114,624,789 Ending balance
i. Pada tanggal 31 Desember 2024, i. As at December 31, 2024, there are
terdapat efek-efek yang dijual dengan securities which are sold under
janji dibeli kembali (Catatan 17). repurchased agreement (Note 17).
9. Efek-Efek yang Dibeli dengan Janji Dijual 9. Securities Purchased Under Resell
Kembali Agreement
2024
Nilai Pendapatan bunga
penjualan yang belum
Nilai nominal/ Tanggal Tanggal kembali/ diamortisasi/ Nilai tercatat/
Nasabah/ Jenis efek-efek/ Nominal dimulai/ jatuh tempo/ Resale Unamortised Carrying
Counterparty Type of securities amount Starting date Maturity date amount interest value
Pihak berelasi / Related parties
Obligasi Pemerintah/ 31 Desember / 31 Desember /
PT Bank Mega Tbk 250,000,000,000 236,314,975,873 80,713,373 236,234,262,500
Government Bonds December, 31 2024 December, 31 2024
Pihak ketiga / Third party
Obligasi Pemerintah/ 31 Desember / 31 Desember /
PT Bank Raya Indonesia Tbk 50,000,000,000 52,440,758,640 17,911,140 52,422,847,500
Government Bonds December, 31 2024 December, 31 2024
300,000,000,000 288,755,734,513 98,624,513 288,657,110,000
Efek-efek yang dibeli dengan janji dijual Securities purchased under agreements to
kembali digolongkan lancar. resell are classified as current.
Pada tanggal 31 Desember 2023, tidak As at December 31, 2023, there were no
terdapat efek-efek yang dibeli dengan janji securities purchased under resell agreement.
kembali.
Kolektibilitas efek-efek yang dibeli dengan janji Collectibility securities purchased under
dijual kembali sesuai Peraturan Otoritas Jasa agreements to resell in accordance with
Keuangan diungkapkan pada Catatan 45e. Financial Services Authority Regulation are
disclosed in Note 45e.
61
Page 598
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Tingkat suku bunga rata-rata tertimbang The weighted average of interest rate per
setahun untuk efek-efek yang dibeli dengan annum for securities purchased under resell
janji dijual kembali untuk tahun berakhir pada agreement for the year ended December 31,
31 Desember 2024 adalah 6,25%. 2024 is 6.25%.
Informasi mengenai jatuh tempo diungkapkan Information in respect of maturities are
pada Catatan 40. Informasi mengenai disclosed in Note 40. Information with regards
klasifikasi dan nilai wajar diungkapkan pada to the classification and fair value are
Catatan 41. disclosed in Note 41.
10. Kredit yang Diberikan 10. Loans
a. Berdasarkan jenis kredit dan hubungan a. By type of loans and by relationship
Jenis 2024 2023 Type
Rupiah Rupiah
Pihak berelasi Related parties
Investasi 591,330,000,000 250,000,000,000 Investment
Konsumsi 113,894,975 267,669,566 Consumer
Jumlah 591,443,894,975 250,267,669,566 Total
Cadangan kerugian Allowance for
penurunan nilai (3,325,942,895) (2,474,700,402) impairment losses
Jumlah kredit yang diberikan Total loans
kepada pihak to related
berelasi - neto parties - net
(Catatan 36) 588,117,952,080 247,792,969,164 (Note 36)
Pihak ketiga Third parties
Modal kerja 1,014,884,097,910 309,639,149,519 Working capital
Investasi 4,508,303,637,143 6,374,475,178,675 Investment
Konsumsi 1,363,402,902,086 451,325,869,523 Consumer
Jumlah 6,886,590,637,139 7,135,440,197,717 Total
Cadangan kerugian Allowance for
penurunan nilai (101,157,646,346) (59,723,427,577) Impairment losses
Jumlah kredit yang
diberikan kepada Total loans to
pihak ketiga - neto 6,785,432,990,793 7,075,716,770,140 third parties - net
Jumlah - neto 7,373,550,942,873 7,323,509,739,304 Total - net
Tingkat suku bunga rata-rata per tahun The average interest rates per annum
adalah sebagai berikut: are as follows:
2024 2023
Modal Kerja 11.28% 10.25% Working Capital
Investasi 11.00% 12.25% Investment
Konsumsi 51.35% 45.50% Consumer
62
Page 599
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
b. Berdasarkan sektor ekonomi b. By type of economic sector
Jenis 2024 2023 Type
Rupiah Rupiah
Pihak berelasi Related parties
Real estate , usaha Real estate, leasing
persewaan dan services and
jasa perusahaan 391,580,000,000 250,000,000,000 servicing company
Perdagangan Besar dan
eceran 199,750,000,000 -- Wholesale and retail
Rumah tangga 113,894,975 267,669,566 Households
Jumlah 591,443,894,975 250,267,669,566 Total
Cadangan kerugian Allowances for
penurunan nilai (3,325,942,895) (2,474,700,402) impairment losses
Jumlah kredit yang diberikan
kepada pihak Total loans to
berelasi - neto related parties - net
(Catatan 36) 588,117,952,080 247,792,969,164 (Note 36)
Pihak ketiga Third parties
Real estate , usaha Real estate, leasing
persewaan dan services and
jasa perusahaan 3,195,810,548,333 3,727,001,175,656 servicing company
Industri pengolahan 1,448,750,650,366 1,449,000,000,000 Manufacturing
Rumah tangga 1,363,562,035,506 451,325,869,523 Households
Pertambangan dan Mining and
penggalian 291,420,098,221 477,058,173,176 excavation
Pertanian, perburuan Agriculture,
dan kehutanan 328,218,365,385 460,914,583,334 hunting and forestry
Transportasi, Pergudangan Transportation, warehousing
dan komunikasi 116,796,237,596 473,263,422,998 and communication
Perantara keuangan 114,724,964,490 59,639,149,519 Financial intermediaries
Lain-lain 27,307,737,242 37,237,823,511 Others
Jumlah 6,886,590,637,139 7,135,440,197,717 Total
Cadangan kerugian Allowances for
penurunan nilai (101,157,646,346) (59,723,427,577) impairment losses
Jumlah kredit yang
diberikan kepada Total loans to
pihak ketiga - neto 6,785,432,990,793 7,075,716,770,140 third parties - net
Jumlah - neto 7,373,550,942,873 7,323,509,739,304 Total - net
c. Berdasarkan jangka waktu c. By loan period
Klasifikasi kredit yang diberikan Loans classification by loan agreements
berdasarkan perjanjian kredit dan sisa and the remaining maturity are as follows:
umur jatuh tempo adalah sebagai berikut:
63
Page 600
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Berdasarkan jangka waktu perjanjian By term of loan agreements
kredit
2024 2023
Sampai dengan 1 tahun 900,159,133,420 701,119,123,953 Until 1 year
Lebih dari 1 - 2 tahun 1,363,424,264,702 338,466,338 Over 1 - 2 years
Lebih dari 2 - 5 tahun 563,358,726,329 2,917,781,580,411 Over 2 - 5 years
Lebih dari 5 tahun 4,651,092,407,663 3,766,468,696,581 Over 5 years
Jumlah 7,478,034,532,114 7,385,707,867,283 Total
Cadangan kerugian penurunan
nilai (104,483,589,241) (62,198,127,979) Allowance for impairment losses
Jumlah kredit yang diberikan - neto 7,373,550,942,873 7,323,509,739,304 Total loans - net
Berdasarkan sisa umur jatuh tempo By remaining maturity
2024 2023
Sampai dengan 1 tahun 2,260,841,541,773 701,349,278,114 Until 1 year
Lebih dari 1 - 2 tahun 937,198,500,487 136,672,532 Over 1 - 2 years
Lebih dari 2 - 5 tahun 3,255,823,851,893 4,807,043,910,305 Over 2 - 5 years
Lebih dari 5 tahun 1,024,170,637,961 1,877,178,006,332 Over 5 years
Jumlah 7,478,034,532,114 7,385,707,867,283 Total
Cadangan kerugian penurunan
nilai (104,483,589,241) (62,198,127,979) Allowance for impairment losses
Jumlah kredit yang diberikan - neto 7,373,550,942,873 7,323,509,739,304 Total loans - net
d. Pinjaman sindikasi d. Syndicated loans
Pinjaman sindikasi merupakan pinjaman Syndicated loans represent loans
yang diberikan kepada debitur provided to debtors based on syndication
berdasarkan perjanjian pembiayaan agreements with other banks.
bersama dengan bank-bank lain.
Keikutsertaan bank dalam pinjaman Bank’s participation in syndicated loans
sindikasi dengan bank-bank lain adalah with other banks amounted
sebesar Rp1.132.485.516.070 dan to Rp1,132,485,516,070 and
Rp1.531.902.572.517 pada tanggal Rp1,531,902,572,517 as of December 31,
31 Desember 2024 dan 2023. 2024 and 2023, respectively.
Keikutsertaan bank dalam pinjaman Bank’s participation in syndicated loans, in
sindikasi, dimana bank bertindak sebagai which bank acts as the syndication
anggota sindikasi adalah sebagai berikut: member, is as follows:
2024 2023
% Partisipasi 0.80% - 22.29% 6.37% - 22.22% % Participation
e. Berdasarkan kolektibilitas sesuai e. By Financial Services Authority Regulation
Peraturan OJK collectibility
Kolektabilitas kredit yang diberikan sesuai Collectibility loans in accordance with the
dengan peraturan OJK diungkapkan pada Financial Services Authority Regulation are
Catatan 45f. disclosed in Note 45f.
f. Kredit bermasalah dan cadangan f. Non-performing loans and allowance for
kerugian penurunan nilai menurut sektor impairment losses by economic sector
ekonomi
Rasio kredit bermasalah sesuai dengan The non-performing loans ratio in
peraturan OJK diungkapkan pada Catatan accordance with the OJK regulation are
45f. disclosed in Note 45f.
64
Page 601
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
g. Kredit yang direstrukturisasi g. Restructured loans
Tidak ada kredit yang direstrukturisasi There were no restructured loans by the
oleh Bank pada tahun 2024 dan 2023. Bank in the year 2024 and 2023.
h. Perubahan nilai bruto dan cadangan h. Movement of gross carrying amount and
kerugian penurunan nilai allowance for impairment losses
Perubahan nilai tercatat bruto adalah Movements in the gross carrying amount
sebagai berikut: are as follows:
31 Desember/ December 31 , 2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal 7,364,698,588,520 15,008,862,131 6,000,416,632 7,385,707,867,283 Initial gross carrying amount
Aset baru 2,545,178,643,829 30,833,445,599 24,644,828,488 2,600,656,917,916 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (1,145,084,234,247) (6,000,000) (20,000,000) (1,145,110,234,247) (exclude write off)
Transfer ke Tahap 1 (58,156,257,866) 21,907,231,996 36,249,025,870 -- Transfer to Stage 1
Transfer ke Tahap 2 55,321,279 (65,928,674) 10,607,395 -- Transfer to Stage 2
Transfer ke Tahap 3 (51,911,450,603) (14,248,695,484) 66,160,146,087 -- Transfer to Stage 3
Pengukuran kembali (1,290,414,983,822) (664,472,297) (224,814,577) (1,291,304,270,696) Remeasurement
Penghapusbukuan -- -- (71,915,748,142) (71,915,748,142) Write off
Nilai tercatat bruto akhir 7,364,365,627,090 52,764,443,271 60,904,461,753 7,478,034,532,114 Ending gross carrying amount
31 Desember/ December 31 , 2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal 7,198,191,545,524 6,354,415,423 891,654,625 7,205,437,615,572 Initial gross carrying amount
Aset baru 968,926,949,448 6,763,871,394 2,439,086,084 978,129,906,926 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (1,943,170,455) (523,497,386) (75,663,615) (2,542,331,456) (exclude write off)
Transfer ke Tahap 1 (11,763,574,034) 8,223,138,978 3,540,435,056 -- Transfer to Stage 1
Transfer ke Tahap 2 502,397,635 (523,293,127) 20,895,492 -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali (771,075,779,861) (154,806,756) (3,540,500) (771,234,127,117) Remeasurement
Penghapusbukuan (18,139,779,737) (5,130,966,395) (812,450,510) (24,083,196,642) Write off
Nilai tercatat bruto akhir 7,364,698,588,520 15,008,862,131 6,000,416,632 7,385,707,867,283 Ending gross carrying amount
Perubahan cadangan kerugian The movements in the allowance for
penurunan nilai adalah sebagai berikut: impairment losses are as follows:
2024
Kerugian kredit Kerugian kredit
ekspektasi ekspektasi
sepanjang sepanjang
Kerugian kredit umurnya-kredit umurnya-kredit
Ekspektasi 12 tidak memburuk/ memburuk/
Bulan/12 monts Lifetime ECL no Lifetime ECL
ECL credit impaired credit impaired Jumlah/Total
Saldo awal 55,923,684,496 3,944,166,598 2,330,276,885 62,198,127,979 Beginning balance
Transfer ke kerugian kredit
ekspektasi 12 bulan (25,084,665,212) 6,018,730,585 19,065,934,627 -- Transfer to 12 months ECL
Transfer ke kerugian kredit
ekspektasi sepanjang
umurnya - kredit tidak Transfer to lifetime ECL
memburuk 3,042,541 (7,293,985) 4,251,444 -- no credit impaired
Transfer ke kerugian kredit
ekspektasi sepanjang
umurnya - kredit Transfer to lifetime ECL
memburuk 442,920 -- (442,920) -- no credit impaired
Penambahan cadangan kerugian Additional of allowance for impairment
penurunan nilai (Catatan 30) 28,135,277,355 4,516,315,798 81,549,616,251 114,201,209,404 losses (Note 30)
Penerimaan kembali kredit Recoveries of previously
yang telah dihapusbukukan -- -- -- -- write-off loans
Penghapusan selama
tahun berjalan -- -- (71,915,748,142) (71,915,748,142) Write-off during the year
Saldo akhir 58,977,782,100 14,471,918,996 31,033,888,145 104,483,589,241 Ending balance
65
Page 602
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2023
Kerugian kredit Kerugian kredit
ekspektasi ekspektasi
sepanjang sepanjang
Kerugian kredit umurnya-kredit umurnya-kredit
Ekspektasi 12 tidak memburuk/ memburuk/
Bulan/12 monts Lifetime ECL no Lifetime ECL
ECL credit impaired credit impaired Jumlah/Total
Saldo awal 50,970,914,599 1,153,468,700 356,436,604 52,480,819,903 Beginning balance
Transfer ke kerugian kredit
ekspektasi 12 bulan 2,790,697,898 -- (2,790,697,898) -- Transfer to 12 months ECL
Transfer ke kerugian kredit
ekspektasi sepanjang
umurnya - kredit tidak Transfer to lifetime ECL
memburuk (982,091,371) -- 982,091,371 -- no credit impaired
Transfer ke kerugian kredit
ekspektasi sepanjang
umurnya - kredit Transfer to lifetime ECL
memburuk -- -- -- -- no credit impaired
Penambahan cadangan kerugian Additional of allowance for impairment
penurunan nilai (Catatan 30) 3,144,163,370 2,790,697,898 41,980,331,375 47,915,192,643 losses (Note 30)
Penerimaan kembali kredit Recoveries of previously
yang telah dihapusbukukan -- -- -- -- write-off loans
Penghapusan selama
tahun berjalan -- -- (38,197,884,567) (38,197,884,567) Write-off during the year
Saldo akhir 55,923,684,496 3,944,166,598 2,330,276,885 62,198,127,979 Ending balance
Manajemen berpendapat bahwa jumlah The management believes that the
cadangan kerugian penurunan nilai atas allowance for impairment losses on
kredit yang diberikan telah memadai. loans were adequate.
11. Pendapatan Bunga yang Masih akan 11. Interest Receivables
Diterima
Pada tanggal 31 Desember 2024 dan 2023, As at December 31, 2024 and 2023, the details
rincian pendapatan bunga yang masih akan of interest receivables are as follows:
diterima adalah sebagai berikut:
2024 2023
Pihak berelasi (Catatan 36) Related parties (Note 36)
Penempatan pada bank lain 366,319,444 593,888,889 Placement with other banks
Kredit yang diberikan 3,381,535,875 483,923,495 Loans
3,747,855,319 1,077,812,384
Pihak ketiga Third parties
Penempatan pada Bank Indonesia 72,895,406 87,448,988 Placements with Bank Indonesia
Kredit yang diberikan 23,829,509,406 19,956,272,913 Loans
Efek-efek 25,697,616,851 59,400,118,512 Marketable securities
49,600,021,663 79,443,840,413
Jumlah 53,347,876,982 80,521,652,797 Total
12. Biaya Dibayar Di Muka 12. Prepaid Expenses
2024 2023
Pemeliharaan perangkat lunak 18,178,520,206 12,856,733,389 Software maintenance
Iklan dan promosi 8,966,671,475 5,772,285,561 Advertising and promotions
Iuran keanggotaan 1,039,695,682 582,426,340 Membership fee
Asuransi 11,859,186 6,082,147,039 Insurance
Jasa konsultasi -- 131,350,000 Consultant fee
Jumlah 28,196,746,549 25,424,942,329 Total
66
Page 603
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
13. Aset Tetap dan Aset Hak Guna 13. Fixed Assets and Right-Of-Use-Assets
2024
1 Januari/ 31 Desember/
January 1, Penambahan/ Pelepasan/ Reklasifikasi/ December 31,
2024 Additions Disposals Reclasifications 2024
Kepemilikan langsung Direct ownership
Model biaya: At cost model:
Renovasi bangunan Building renovations
atau instalasi 24,142,555,581 540,537,514 -- 40,696,487,750 65,379,580,845 or installations
Kendaraan 2,316,215,000 17,611,000 -- -- 2,333,826,000 Vehicles
Peralatan kantor 116,900,948,085 110,526,580,255 -- 31,960,956,055 259,388,484,395 Office equipment
Aset dalam penyelesaian 72,657,443,805 -- -- (72,657,443,805) -- Asset under construction
Jumlah harga perolehan 216,017,162,471 111,084,728,769 -- -- 327,101,891,240 Total cost
Aset hak guna 51,584,036,714 7,350,323,001 (813,949,038) 58,120,410,677 Right-of-use of assets
Jumlah 267,601,199,185 118,435,051,770 (813,949,038) -- 385,222,301,917 Total
Akumulasi penyusutan Accumulated depreciation
Model biaya: At cost model:
Renovasi bangunan Building renovations
atau instalasi 6,672,446,633 7,480,482,175 -- -- 14,152,928,808 or installations
Kendaraan 488,400,083 461,636,600 -- -- 950,036,683 Vehicles
Peralatan kantor 34,701,238,341 27,386,217,088 -- -- 62,087,455,429 Office equipment
41,862,085,057 35,328,335,863 -- -- 77,190,420,920
Aset hak guna 23,214,801,158 12,549,310,164 (271,316,346) 35,492,794,976 Right-of-use of assets
Jumlah akumulasi Total accumulated
penyusutan 65,076,886,215 47,877,646,027 (271,316,346) -- 112,683,215,896 depreciation
Jumlah tercatat - neto 202,524,312,970 272,539,086,021 Net carrying amount
2023
1 Januari/ 31 Desember/
January 1, Penambahan/ Pelepasan/ Reklasifikasi/ December 31,
2023 Additions Disposals Reclasifications 2023
Kepemilikan langsung Direct ownership
Model biaya: At cost model:
Renovasi bangunan Building renovations
atau instalasi 23,105,104,180 1,052,632,651 (15,181,250) -- 24,142,555,581 or installations
Kendaraan 1,544,815,000 771,400,000 -- -- 2,316,215,000 Vehicles
Peralatan kantor 104,220,343,752 13,849,506,790 (1,168,902,457) -- 116,900,948,085 Office equipment
Aset dalam penyelesaian -- 72,657,443,805 -- -- 72,657,443,805 Asset under construction
Jumlah harga perolehan 128,870,262,932 88,330,983,246 (1,184,083,707) -- 216,017,162,471 Total cost
Aset hak guna 52,961,925,256 4,942,668,252 -- (6,320,556,794) 51,584,036,714 Right-of-use of assets
Jumlah 181,832,188,188 93,273,651,498 (1,184,083,707) (6,320,556,794) 267,601,199,185 Total
Akumulasi penyusutan Accumulated depreciation
Model biaya: At cost model:
Renovasi bangunan Building renovations
atau instalasi 1,957,077,996 4,730,549,887 (15,181,250) -- 6,672,446,633 or installations
Kendaraan 117,503,750 370,896,333 -- -- 488,400,083 Vehicles
Peralatan kantor 11,872,204,483 23,987,673,970 (1,158,640,112) -- 34,701,238,341 Office equipment
13,946,786,229 29,089,120,190 (1,173,821,362) -- 41,862,085,057
Aset hak guna 13,076,509,230 411,889,021 -- 9,726,402,907 23,214,801,158 Right-of-use of assets
Jumlah akumulasi Total accumulated
penyusutan 27,023,295,459 29,501,009,211 (1,173,821,362) 9,726,402,907 65,076,886,215 depreciation
Jumlah tercatat - neto 154,808,892,729 202,524,312,970 Net carrying amount
Aset tetap Fixed assets
Beban penyusutan aset tetap yang dibebankan Depreciation expense of fixed assets charged
pada beban umum dan administrasi untuk to general and administrative expenses for the
tahun-tahun yang berakhir pada tanggal years ended December 31, 2024 and 2023 are
31 Desember 2024 dan 2023 adalah masing- Rp35,328,335,863 and Rp29,089,120,190,
masing sebesar Rp35.328.335.863 dan respectively (Note 31a).
Rp29.089.120.190 (Catatan 31a).
Aset tetap kecuali tanah, diasuransikan Fixed assets except for land, are covered by
terhadap kebakaran dan risiko kerugian insurance against losses by fire and other risks
lainnya kepada PT Asuransi Umum Mega, PT Asuransi Umum Mega, a related party, with
pihak berelasi, dengan jumlah pertanggungan sum insured amounting to Rp153.285.546.256
masing-masing sebesar Rp153.285.546.256 and Rp177,680,427,909 as at December 31,
dan Rp177,680,427,909 pada tanggal 2024 and 2023, respectively. Management
31 Desember 2024 dan 2023. Manajemen believes that the insurance coverage is
berpendapat bahwa nilai pertanggungan adequate to cover possible losses.
tersebut telah memadai untuk menutup
kemungkinan terjadi kerugian.
67
Page 604
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Rincian keuntungan penjualan aset tetap Details of gain on sale of fixed assets are as
adalah sebagai berikut: follows:
2024 2023
Hasil penjualan aset tetap -- 19,043,262 Proceeds on sale of fixed assets
Nilai buku -- (10,262,345) Book value
Laba Penjualan Aset Tetap (Catatan 33) -- 8,780,917 Gain on Sale of Fixed Assets (Note 33)
Manajemen berpendapat bahwa tidak terdapat Management believes that there is no
perbedaan yang signifikan antara nilai wajar significant difference between the fair value
dan nilai tercatat aset selain tanah dan and carrying value of assets other than land
bangunan jika diukur menggunakan nilai wajar. and buildings if have been measured at fair
value basis.
Berdasarkan penelaahan aset tetap secara By individual review of fixed assets at the end
individual pada akhir tahun, manajemen Bank of the year, the Bank’s management believes
berpendapat bahwa tidak ada indikasi there is no indication for impairment in the
penurunan nilai aset tetap yang dimiliki oleh value of Bank’s fixed assets.
Bank.
Pada tanggal 31 Desember 2024 dan 2023, As at December 31, 2024 and 2023, the gross
jumlah tercatat bruto dari setiap aset tetap amount of fixed assets which have been fully
yang telah disusutkan penuh dan masih depreciated and are still used amounted to
digunakan adalah masing-masing sebesar Rp5,645,247,749 and Rp1,499,487,085,
Rp5.645.247.749 dan Rp1.499.487.085. respectively.
Aset hak-guna Right-of-use assets
Aset hak-guna per 31 Desember 2023 dan Right-of-use assets as of December 31, 2024
2022 adalah sebagai berikut: and 2023 are as follows:
2024
Saldo awal/ Penambahan/ Pengurangan/ Reklasifikasi/ Saldo akhir/
Beginning balance Addition Deductions Reclassification Ending balance
Biaya perolehan Acquisition cost
Bangunan 51,584,036,714 7,350,323,001 (813,949,038) -- 58,120,410,677 Buildings
51,584,036,714 7,350,323,001 (813,949,038) -- 58,120,410,677
Akumulasi penyusutan Accumulated depreciation
Bangunan 23,214,801,158 12,549,310,164 (271,316,346) -- 35,492,794,976 Buildings
23,214,801,158 12,549,310,164 (271,316,346) -- 35,492,794,976
Nilai buku-neto 28,369,235,556 22,627,615,701 Net book value
2023
Saldo awal/ Penambahan/ Pengurangan/ Reklasifikasi/ Saldo akhir/
Beginning balance Addition Deductions Reclassification Ending balance
Biaya perolehan Acquisition cost
Bangunan 52,961,925,256 4,942,668,252 -- (6,320,556,794) 51,584,036,714 Buildings
52,961,925,256 4,942,668,252 -- (6,320,556,794) 51,584,036,714
Akumulasi penyusutan Accumulated depreciation
Bangunan 13,076,509,230 411,889,021 -- 9,726,402,907 23,214,801,158 Buildings
13,076,509,230 411,889,021 -- 9,726,402,907 23,214,801,158
Nilai buku-neto 39,885,416,026 28,369,235,556 Net book value
Beban penyusutan aset hak-guna untuk Depreciation expense of right-of-use assets
periode yang berakhir pada tanggal 31 for the period ended December 31, 2024 and
Desember 2024 dan 2023 masing-masing 2023 amounted to Rp12,549,310,164 and
sebesar Rp12.549.310.164 dan Rp10,138,291,928 respectively (Note 31a).
Rp10.138.291.928 (Catatan 31a).
Berikut ini ringkasan komponen liabilitas sewa The following summarize the component of
yang disajikan pada laporan laba rugi dan lease liabilities presented in statement of
laporan arus kas: profit or loss and statement of cash flows:
68
Page 605
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Rekonsiliasi liabilitas sewa adalah sebagai The reconciliation of lease liabilities are as
berikut: follows:
2024 2023
Saldo awal 25,638,857,628 37,366,801,533 Beginning balance
Arus kas (13,983,764,315) (13,292,386,412) Cash Flow
Perubahan non kas Non-cash movement
Beban bunga (Catatan 31) 1,457,410,688 -- Interest expense (Note 31)
Penambahan 7,350,323,001 1,564,442,507 Additions
Pelepasan (542,632,692) -- Disposals
Saldo akhir (Catatan 23) 19,920,194,310 25,638,857,628 Ending balance (Note 23)
14. Aset Takberwujud 14. Intangible Assets
2024
1 Januari/ 31 Desember/
January 1, Penambahan/ Pengurangan/ Reklasifikasi/ December 31,
2024 Additions Disposals Reclasifications 2024
Harga perolehan At cost
Perangkat lunak 80,279,624,033 8,660,134,144 -- 10,038,490,524 98,978,248,701 Software
Aset dalam penyelesaian 10,038,490,524 -- -- (10,038,490,524) -- Asset under construction
Jumlah harga perolehan 90,318,114,557 8,660,134,144 -- -- 98,978,248,701 Total cost
Akumulasi amortisasi Accumulated amortization
Perangkat lunak 30,338,354,327 16,758,116,713 -- -- 47,096,471,040 Software
Nilai tercatat - neto 59,979,760,230 -- 51,881,777,661 Net carrying value
2023
1 Januari/ 31 Desember/
January 1, Penambahan/ Pengurangan/ Reklasifikasi/ December 31,
2023 Additions Disposals Reclasifications 2023
Harga perolehan At cost
Perangkat lunak 77,956,436,833 2,466,187,200 (143,000,000) -- 80,279,624,033 Software
Aset dalam penyelesaian -- 10,038,490,524 -- -- 10,038,490,524 Asset under construction
Jumlah harga perolehan 77,956,436,833 12,504,677,724 (143,000,000) -- 90,318,114,557 Total cost
Akumulasi amortisasi Accumulated amortization
Perangkat lunak 16,013,459,877 14,467,894,450 (143,000,000) -- 30,338,354,327 Software
Nilai tercatat - neto 61,942,976,956 -- 59,979,760,230 Net carrying value
Beban amortisasi yang dibebankan dalam Amortization expense charged to general and
beban umum dan administrasi untuk tahun- administrative expenses for the years ended
tahun yang berakhir 31 Desember 2024 dan December 31, 2024 and 2023 amounted to
2023 adalah masing-masing sebesar Rp16,758,116,713 and Rp14,467,894,450,
Rp16.758.116.713 dan Rp14.467.894.450 respectively (Note 31a).
(Catatan 31a).
Manajemen berpendapat bahwa tidak Management believes that there is no
terdapat penurunan nilai atas aset impairment in intangible assets as
takberwujud pada tanggal 31 Desember 2024 December 31, 2024 and 2023.
dan 2023.
15. Aset Lain-Lain 15. Other Assets
2024 2023
Tagihan transaksi delivery channel 89,154,863,966 11,025,642,905 Claim for transaction delivery channel
Uang muka 32,074,929,684 7,375,817,900 Advance payment
Setoran jaminan 2,701,148,126 2,449,163,201 Security deposits
Persediaan buku, barang cetakan Inventories of books, printed
dan materai 1,266,269,922 1,266,625,367 materials and stamp duty
Tagihan pengembalian pajak -- 320,978,066 Claim for tax refund
Lain-lain -- 37,494,915 Others
Jumlah 125,197,211,698 22,475,722,354 Total
69
Page 606
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Tagihan transaksi delivery channel Claim for transaction delivery channel
Tagihan transaksi delivery channel Delivery channel transaction receivables
merupakan penempatan dana untuk represent fund placements for the settlement of
penyelesaian transaksi QRIS yang dikelola QRIS transactions managed by PT Rintis
oleh PT Rintis Sejahtera, serta tagihan Sejahtera, as well as receivables from third
kepada pihak ketiga terkait transaksi melalui parties related to transactions conducted
switching dan jaringan ATM. through switching and ATM networks.
Tagihan Pengembalian Pajak Claim for Tax Refund
Perusahaan menerima pengembalian sanksi The company received a refund of 2017
PPh badan 2017 sebesar Rp671.972.193 corporate income tax sanctions amounting to
dan sanksi Angsuran PPh badan 2018 Rp671,972,193 and 2018 corporate income tax
sebesar Rp50.140.000. installment sanctions amounting to
Rp50,140,000.
Tagihan pengembalian pajak merupakan Claim for tax refund represents the tax claim of
tagihan atas tahun-tahun pajak berikut: the following fiscal year:
2024 2023
Tahun pajak 2015 -- 120,323,746 Fiscal year 2015
Tahun pajak 2016 -- 200,454,320 Fiscal year 2016
Tahun pajak 2018 -- 200,000 Fiscal year 2018
Jumlah -- 320,978,066 Total
Setoran Jaminan Security Deposits
Setoran jaminan terdiri atas deposit ATM Security deposits consist of deposits in ATM
ALTO, ATM PRIMA, deposit jaringan telepon ALTO, ATM PRIMA, line telephone deposits
dan deposit sewa. and rent deposits.
Uang Muka Advance Payment
Uang muka merupakan uang muka atas Advance payment represents an advance for
kerjasama infrastruktur teknologi produk dan technology infrastructure collaborations for
layanan digital. digital products and services.
Lainnya Others
Lainnya terdiri atas tagihan ATM, berbagai Others consist of ATM, advance for auction
macam tagihan kepada pihak ketiga dalam fees on foreclosed assets, loan settlement and
rangka transaksi, antara lain transaksi kliring customer receivables and others.
dan lain-lain.
16. Liabilitas Segera 16. Obligations Due Immediately
Liabilitas segera terutama terdiri dari transaksi Obligations due immediately mainly consist of
kliring atau transfer nasabah yang belum clearing transactions or unsettled customers’
diselesaikan. money transfer.
17. Efek-Efek yang Dijual dengan Janji Dibeli 17. Securities Sold Under Repurchased
Kembali Agreement
2024
Liabilitas Beban bunga
pembelian yang belum
Nilai nominal/ Tanggal Tanggal kembali/ diamortisasi/ Nilai tercatat/
Nasabah/ Jenis efek-efek/ Nominal dimulai/ jatuh tempo/ Repurchased Unamortised Carrying
Counterparties Type of securities amount Starting date Maturity date liabilities interest value
Pihak ketiga/
Third parties
Bank Indonesia Obligasi Pemerintah/ 28 Desember / 4 Januari /
Government Bonds 300,000,000,000 December 28, 2023 January 4, 2024 286,273,121,719 248,630,469 286,521,752,188
300,000,000,000 286,273,121,719 248,630,469 286,521,752,188
70
Page 607
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2023
Liabilitas Beban bunga
pembelian yang belum
Nilai nominal/ Tanggal Tanggal kembali/ diamortisasi/ Nilai tercatat/
Nasabah/ Jenis efek-efek/ Nominal dimulai/ jatuh tempo/ Repurchased Unamortised Carrying
Counterparties Type of securities amount Starting date Maturity date liabilities interest value
Pihak ketiga/
Third parties
Bank Indonesia Obligasi Pemerintah/ 28 Desember / 4 Januari /
Government Bonds 300,000,000,000 December 28, 2023 January 4, 2024 286,479,629,740 149,027,032 286,330,602,708
Bank Indonesia Obligasi Pemerintah/ 29 Desember / 5 Januari /
Government Bonds 150,000,000,000 December 29, 2023 January 5, 2024 139,144,493,958 96,510,833 139,047,983,125
PT BPD Jawa Timur Tbk Obligasi Pemerintah/ 29 Desember / 5 Januari /
Government Bonds 200,000,000,000 December 29, 2023 January 5, 2024 186,038,614,167 129,036,667 185,909,577,500
650,000,000,000 611,662,737,865 374,574,532 611,288,163,333
Tingkat suku bunga rata-rata tertimbang The weighted average of interest rate per
setahun untuk efek-efek yang dijual dengan annum for securities sold under repurchased
janji dibeli kembali untuk tahun berakhir pada agreement for the year ended December 31,
31 Desember 2024 adalah 6,25%. 2024 was 6.25%.
Informasi mengenai jatuh tempo diungkapkan Information in respect of maturities are
pada Catatan 40. Informasi mengenai disclosed in Note 40. Information with regards
klasifikasi dan nilai wajar diungkapkan pada to the classification and fair value are
Catatan 41. disclosed in Note 41.
18. Simpanan Nasabah 18. Deposits from Customers
Simpanan nasabah berdasarkan jenis dan Deposits from customers by type and currency
mata uang terdiri dari: consists of:
2024 2023
Rupiah Rupiah
Giro 85,335,979,606 48,190,454,891 Current accounts
Tabungan 693,272,051,910 465,110,207,860 Saving deposits
Deposito berjangka 5,316,510,005,517 4,385,365,428,568 Time deposits
Jumlah 6,095,118,037,033 4,898,666,091,319 Total
a. Giro terdiri dari: a. Current accounts consists of:
2024 2023
Pihak berelasi (Catatan 36) 27,723,748,849 7,186,778,203 Related parties (Note 36)
Pihak ketiga 57,612,230,757 41,003,676,688 Third parties
Jumlah 85,335,979,606 48,190,454,891 Total
Tingkat suku bunga The average interest
rata-rata per tahun rates per annum
Rupiah 2.41% 3.00% Rupiah
Tidak terdapat giro yang diblokir dan There are no current accounts restricted
dijadikan jaminan kredit atau fasilitas and pledged as loan collateral or other
perbankan lainnya pada tanggal banking facility as at December 31, 2024
31 Desember 2024 dan 2023. and 2023.
71
Page 608
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
b. Tabungan terdiri dari: b. Saving deposits consists of:
2024 2023
Pihak ketiga Third parties
Tabungan Allo Prime 524,958,912,418 413,014,588,417 Allo Prime Saving
Tabungan Allo Grow 168,175,112,581 52,095,606,238 Super Saving
Tabungan Lainnya 138,026,911 13,205 Other Saving
Jumlah tabungan - pihak ketiga 693,272,051,910 465,110,207,860 Total saving deposits - third parties
Tingkat suku bunga The average interest
rata-rata per tahun rates per annum
Rupiah 4.17% 4.00% Rupiah
Tidak terdapat giro yang diblokir dan There are no current accounts restricted
dijadikan jaminan kredit atau fasilitas and pledged as loan collateral or other
perbankan lainnya pada tanggal banking facility as at December 31, 2024
31 Desember 2024 dan 2023. and 2023.
c. Deposito berjangka terdiri dari: c. Time deposits consists of:
2024 2023
Pihak berelasi (Catatan 36) 187,478,189,054 1,211,021,904,479 Related parties (Note 36)
Pihak ketiga 5,129,031,816,463 3,174,343,524,089 Third parties
Jumlah 5,316,510,005,517 4,385,365,428,568 Total
Rincian deposito berjangka berdasarkan The details of time deposits as at December
jatuh tempo pada tanggal 31 Desember 31, 2024 and 2023 by maturity are as
2024 dan 2023 adalah sebagai berikut: follows:
Berdasarkan jangka waktu kontrak By terms of the contract
2024 2023
Pihak berelasi Related parties
< 1 bulan 42,200,000,000 8,400,000,000 < 1 month
1 bulan 145,278,189,054 1,192,494,479,467 1 month
3 bulan -- 7,307,100,980 3 months
6 bulan -- 25,322,560 6 months
Lebih dari 6 bulan -- 2,795,001,472 Over 6 months
Jumlah pihak berelasi 187,478,189,054 1,211,021,904,479 Total related parties
Pihak ketiga Third parties
< 1 bulan 1,963,897,500,811 959,260,000,000 < 1 month
1 bulan 1,778,967,560,310 1,224,186,968,639 1 month
3 bulan 1,186,581,658,883 910,707,058,855 3 months
6 bulan 121,986,301,364 73,469,055,594 6 months
Lebih dari 6 bulan 77,598,795,095 6,720,441,001 Over 6 months
Jumlah pihak ketiga 5,129,031,816,463 3,174,343,524,089 Total third parties
Jumlah 5,316,510,005,517 4,385,365,428,568 Total
72
Page 609
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Berdasarkan sisa umur jatuh tempo By remaining period until maturity
2024 2023
Pihak berelasi Related parties
Sampai dengan 1 bulan 187,478,189,054 1,203,106,472,614 Until 1 month
Lebih dari 1 - 3 bulan -- 5,592,933,618 Over 1 - 3 months
Lebih dari 6 - 12 bulan -- 2,310,288,000 Over 6 - 12 months
Lebih dari 12 bulan -- 12,210,247 Over 12 months
Jumlah pihak berelasi 187,478,189,054 1,211,021,904,479 Total related parties
Pihak ketiga Third parties
Sampai dengan 1 bulan 3,839,113,489,433 2,298,695,920,733 Until 1 month
Lebih dari 1 - 3 bulan 1,135,673,551,452 830,745,578,560 Over 1 - 3 months
Lebih dari 3 - 6 bulan 78,445,970,636 40,882,574,490 Over 3 - 6 months
Lebih dari 6 - 12 bulan 73,118,562,404 3,806,448,988 Over 6 - 12 months
Lebih dari 12 bulan 2,680,242,538 213,001,318 Over 12 months
Jumlah pihak ketiga 5,129,031,816,463 3,174,343,524,089 Total third parties
Jumlah 5,316,510,005,517 4,385,365,428,568 Total
Tingkat suku bunga The average interest rates
rata-rata per tahun per annum
Rupiah 6.54% 4.18% Rupiah
Tidak terdapat deposito berjangka yang There are no time deposits restricted and
diblokir dan dijadikan jaminan kredit atau pledged as loan collateral or other banking
fasilitas perbankan lainnya pada tanggal facility as at December 31, 2024 and 2023.
31 Desember 2024 dan 2023.
19. Simpanan dari Bank Lain 19. Deposits from Other Banks
Rincian simpanan dari bank lain adalah The details of desposits from other banks are
sebagai berikut: as follows:
2024 2023
Rupiah Rupiah
Pihak berelasi (Catatan 36) Related parties (Note 36)
Giro 11,172,132 -- Current accounts
Tabungan -- 37,389 Saving accounts
Jumlah pihak berelasi 11,172,132 37,389
Pihak ketiga Third parties
Giro 5,213,293,307 -- Current accounts
Call money -- 45,000,000,000 Call money
Jumlah pihak ketiga 5,213,293,307 45,000,000,000 Total third parties
Jumlah 5,224,465,439 45,000,037,389 Total
73
Page 610
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Call money berdasarkan jangka waktu terdiri Call money based on period consists of:
dari:
2024 2023
Call money Call money
1 bulan -- 45,000,000,000 1 month
Jumlah -- 45,000,000,000 Total
Tingkat suku bunga rata-rata per tahun: The average interest rates per annum:
2024 2023
Giro 4.50% -- Current accounts
Tabungan -- -- Saving accounts
Call money -- 6.20% Call money
Tidak ada simpanan dari bank lain yang There are no deposits from other banks
diblokir dan/atau dijadikan jaminan kredit atau restricted and/or pledged as loan collateral or
transaksi/fasilitas perbankan lainnya pada other banking facility as at December 31, 2024
tanggal 31 Desember 2024 dan 2023. and 2023.
20. Perpajakan 20. Taxation
a. Utang pajak a. Taxes payables
2024 2023
Pajak penghasilan Income taxes
Pasal 4 (2) 5,078,566,480 4,698,521,224 Article 4 (2)
Pasal 21 3,910,697,782 4,682,593,384 Article 21
Pasal 23 597,468,333 159,280,565 Article 23
Pasal 29 32,067,418,659 10,543,622,872 Article 29
PPN 4,760,624,221 4,721,917 VAT
Jumlah 46,414,775,475 20,088,739,962 Total
b. Beban pajak b. Tax expenses
2024 2023
Pajak kini (136,765,889,127) (127,158,847,967) Current tax
Pajak tangguhan 4,922,220,041 (3,549,291,864) Deferred tax
Jumlah (131,843,669,086) (130,708,139,831) Total
Rekonsiliasi antara laba sebelum pajak The reconciliation of income before income
penghasilan menurut laba rugi dengan tax in accordance to the profit or loss with
laba fiskal untuk tahun yang berakhir the estimated taxable income for the years
31 Desember 2024 dan 2023 adalah ended December 31, 2024 and 2023 are as
sebagai berikut: follows:
74
Page 611
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2024 2023
Laba akuntansi sebelum Accounting Income before
beban pajak - Bank 598,949,408,100 575,274,274,135 tax income - Bank
Beda waktu : Timing differences :
Pemulihan cadangan
kerugian penurunan Reversal for impairment
nilai aset produktif 15,725,079,594 6,458,320,748 losses on earning assets
Imbalan pasca-kerja 6,535,718,793 2,538,953,022 Post-employment benefits
Penyusutan aset tetap dan Depreciation of fixed assets and
amortisasi aset takberwujud 89,972,537 (4,502,067,473) amortization of intangible assets
Penyusutan aset hak guna 5,741,619,855 11,258,374,513 Depreciation on right of used assets
Liabilitas sewa (5,718,663,318) (13,292,386,412) Lease liabilities
Jumlah beda waktu 22,373,727,461 2,461,194,398 Total timing differences
Beda tetap : Permanent differences :
Sumbangan 71,000,000 102,500,000 Donations
Lain-lain 268,996,835 156,794,955 Others
Jumlah beda tetap 339,996,835 259,294,955 Total permanent differences
Penghasilan kena pajak 621,663,132,396 577,994,763,488 Taxable income
Fiscal income (loss) after
Laba (rugi) fiskal setelah kompensasi 621,663,132,396 577,994,763,488 compensation
Beban pajak penghasilan badan 136,765,889,127 127,158,847,967 Corporate income tax expense
Dikurangi : Less :
Pajak dibayar muka PPh pasal 25 (104,698,470,468) (116,615,225,095) Prepaid tax article 25
Utang pajak penghasilan
badan 32,067,418,659 10,543,622,872 Corporate income tax payable
Rekonsiliasi antara beban pajak dengan Reconciliation between tax expense with
laba sebelum pajak dengan tarif pajak income before income tax using enacted
yang berlaku adalah sebagai berikut: tax rate are as follows:
2024 2023
Laba sebelum pajak
penghasilan 598,949,408,100 575,274,274,135 Income before income tax
Pajak penghasilan pada
tarif pajak yang berlaku (131,768,869,782) (126,560,340,310) Income tax at enacted tax rate
Pengaruh pajak atas penghasilan
yang tidak dapat diperhitungkan Tax affects on
menurut fiskal (74,799,304) (4,147,799,521) non-taxable income
Beban pajak (131,843,669,086) (130,708,139,831) Tax expense
Pada tahun 2024 dan 2023 penyusunan In 2024 and 2023 the preparation of the
Surat Pajak Tahunan didasarkan pada Annual Tax Return is based on Taxable
Penghasilan Kena Pajak. Income.
Pada tanggal 29 Oktober 2021, On October 29, 2021, the Government
Pemerintah menerbitkan Undang-Undang issued Law No. 7 of 2021 concerning the
No. 7 Tahun 2021 tentang Harmonisasi Harmonization of Tax Regulations, one of
Peraturan Perpajakan dimana salah satu the clauses in the regulation governs the
klausa dalam peraturan ini adalah adjustment of tax rate to 22% for the year
penyesuaian tarif pajak badan untuk tahun 2022, onwards.
2022 dan seterusnya menjadi 22%.
Penerapan UU No.7/2021 berdampak The implementation of Law No.7/2021
pada pengukuran aset dan kewajiban affect the measurement of deferred tax
pajak kini dan tangguhan pada tanggal assets and liabilities as at December 31,
31 Desember 2024 dan 2023, yang diukur 2024 and 2023 which were measured using
menggunakan tarif pajak 22%. the applicable tax rate of 22%.
75
Page 612
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
c. Aset pajak tangguhan (Liabilitas pajak c. Deferred tax assets (Deferred tax
tangguhan) liabilities)
2024
Dikreditkan Dikreditkan
(dibebankan) (dibebankan)
pada laporan ke penghasilan
Penyesuaian laba rugi/ komprehensif
saldo awal/ Credited lain/Credited Penyesuaian
Saldo awal/ Adjustment (charged) (charged) to other ke laba rugi/ Saldo akhir/
Beginning beginning to the income Adjustment Ending
balance balance statement income to profit and loss balance
Penyusutan aset tetap, Depreciation of fixed assets,
amortisasi aset amortization of intangible
takberwujud dan surplus assets and surplus
revaluasi aset tetap (3,811,853,750) -- 19,793,958 -- -- (3,792,059,792) revaluation of fixed assets
Perubahan nilai wajar efek-efek
melalui penghasilan Changes on fair value through
komprehensif lain (21,468,227,506) -- -- 21,468,227,506 -- -- other comprehensive income
Penyisihan kerugian Allowance for impairment
penurunan nilai losses on earning
aset produktif - kredit (2,945,576,161) -- 3,459,517,511 -- -- 513,941,350 assets - loans
Liabilitas imbalan Post-employment benefits
pasca-kerja 3,223,081,107 -- 1,437,858,134 (18,246,485) -- 4,642,692,756 obligation
Aset hak guna (6,241,231,822) -- 1,263,156,368 -- -- (4,978,075,454) Right of use assets
Liabilitas sewa 5,640,548,678 -- (1,258,105,930) -- -- 4,382,442,748 Lease liabilities
Jumlah (25,603,259,454) -- 4,922,220,041 21,449,981,021 -- 768,941,608 Total
2023
Dikreditkan Dikreditkan
(dibebankan) (dibebankan)
pada laporan ke penghasilan
Penyesuaian laba rugi/ komprehensif
saldo awal/ Credited lain/Credited Penyesuaian
Saldo awal/ Adjustment (charged) (charged) to other ke laba rugi/ Saldo akhir/
Beginning beginning to the income comprehensive Adjustment Ending
balance balance statement income to profit and loss balance
Penyusutan aset tetap, Depreciation of fixed assets,
amortisasi aset amortization of intangible
takberwujud dan surplus assets and surplus
revaluasi aset tetap (2,821,398,907) -- (990,454,843) -- -- (3,811,853,750) revaluation of fixed assets
Perubahan nilai wajar efek-efek
melalui penghasilan Changes on fair value through
komprehensif lain -- (10,042,011,294) -- (11,426,216,212) -- (21,468,227,506) other comprehensive income
Penyisihan kerugian Allowance for impairment
penurunan nilai losses on earning
aset produktif - kredit (428,852,620) -- 1,420,830,564 -- (3,937,554,105) (2,945,576,161) assets - loans
Liabilitas imbalan Post-employment benefits
pasca-kerja 2,318,064,417 -- 558,569,665 346,447,025 -- 3,223,081,107 obligation
Aset hak guna -- -- 2,476,842,393 -- (8,718,074,215) (6,241,231,822) Right of use assets
Liabilitas sewa -- -- (2,924,325,011) -- 8,564,873,689 5,640,548,678 Lease liabilities
Jumlah (932,187,110) (10,042,011,294) 541,462,768 (11,079,769,187) (4,090,754,631) (25,603,259,454) Total
Manajemen Bank berpendapat bahwa The Bank’s management believes that the
seluruh aset pajak tangguhan dapat total deferred tax assets are recoverable in
dipulihkan di tahun-tahun mendatang. the future years.
21. Bunga yang Masih Harus Dibayar 21. Accrued Interests
Akun ini merupakan bunga yang masih harus This account represents accrued interests of
dibayar atas simpanan nasabah dan bank lain. deposits from customers and other banks.
22. Liabilitas Imbalan Pasca-Kerja 22. Post-Employment Benefits Liabilities
Sesuai dengan Undang-undang Republik In accordance with the law of the Republic of
Indonesia No. 11/2020 tentang Cipta Kerja, Indonesia No. 11/2020 on job creation, banks
Bank wajib memberikan imbalan pasca-kerja are obliged to provide post-employment
kepada karyawannya pada saat pemutusan benefits to their employees upon termination or
hubungan kerja atau pada saat karyawan when the employee completes his / her period
menyelesaikan masa kerjanya. Imbalan pasca of employment. This post-employment benefit
kerja ini diberikan berdasarkan masa kerja dan is provided based on the employee's length of
kompensasi karyawan pada saat pemutusan Service and compensation upon termination or
hubungan kerja atau selesainya masa kerja. completion of the employment period. This
Imbalan pasca-kerja ini merupakan program post-employment benefit is a defined benefit
imbalan pasti Liabilitas imbalan pasti atas plan defined benefit liability for post-
imbalan pasca-kerja (post-employment benefit) employment benefits is calculated using the
tersebut dihitung dengan menggunakan “Projected Unit Credit " method.
metode “Projected Unit Credit”.
76
Page 613
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Jumlah karyawan yang berhak atas imbalan The numbers of eligible employees for post-
pasti pasca-kerja tersebut masing-masing employment benefit are 298 and 168
sebanyak 298 dan 168 karyawan (tidak diaudit) employees as at December 31, 2024 and 2023
pada tanggal 31 Desember 2024 dan 2023. (unaudited), respectively.
Untuk tahun-tahun yang berakhir pada For the years ended on December 31, 2024
31 Desember 2024 dan 2023, liabilitas imbalan and 2023, post-employment benefits liabilities
pasca-kerja didasarkan pada laporan penilaian based on the actuarial valuation report
aktuaria yang diperoleh dari Kantor Konsultan obtained from Kantor Konsultan Aktuaria V.
Aktuaria V. Agus Basuki, aktuaris independen, Agus Basuki, an independent actuary, with the
dengan laporan aktuaria masing-masing actuarial report dated January 20, 2024 and
tertanggal 20 Januari 2025 dan 18 Januari January 18, 2024, respectively.
2024.
Beban liabilitas imbalan pasca-kerja yang Post-employment benefit expenses recognized
diakui dalam laba rugi adalah sebagai berikut in the profit or loss are (Note 31b):
(Catatan 31b):
2024 2023
Biaya jasa kini 6,419,855,419 4,729,268,808 Current service cost
Biaya bunga 968,268,749
-- 493,116,044
-- Interest cost
Jumlah (Catatan 31b) 7,388,124,168 5,222,384,852 Total (Note 31b)
Rekonsiliasi perubahan liabilitas selama tahun The movements of estimated post-employment
berjalan yang diakui di laporan posisi keuangan benefits liability in the statements of financial
adalah sebagai berikut: position are as follows:
2023 2023
Liabilitas pada awal tahun 14,650,368,668 10,536,656,442 Liability at beginning of year
Penambahan tahun berjalan (Catatan 31b) 7,388,124,168 5,222,384,852 Addition during the year (Note 31b)
Pembayaran selama tahun berjalan (852,405,375) (2,683,431,830) Payment during the year
Jumlah yang diakui di penghasilan Total amount recognized in other
komprehensif lain (82,938,570)
-- 1,574,759,204 comprehensive income
Liabilitas pada akhir tahun 21,103,148,891 14,650,368,668 Liability at end of year
Mutasi nilai kini liabilitas adalah sebagai The movement in present value of obligations
berikut: are as follows:
2024 2023
Beginning present value
Saldo awal nilai kini liabilitas 14,650,368,668 10,536,656,442 of obligation
Biaya jasa kini 6,419,855,419 4,729,268,808 Current service cost
Biaya bunga 968,268,749 493,116,044 Interest cost
Pembayaran selama tahun berjalan (852,405,375) (2,683,431,830) Payments during the year
Kerugian Acturarial losses
aktuarial yang timbul dari: arising from:
- asumsi keuangan (82,938,570) 1,574,759,204 - financial assumption
Jumlah 21,103,148,891 14,650,368,668 Total
Program ini memberikan eksposur risiko The program provides actuarial risk exposure to
aktuarial terhadap Bank seperti risiko suku the Bank such as interest rate risk and salary
bunga dan gaji. risk.
77
Page 614
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Mutasi keuntungan (kerugian) aktuarial yang The movements in the balance of actuarial gain
diakui sebagai penghasilan komprehensif lain, (loss) charged to other comprehensive income,
bruto pajak tangguhan: gross of deferred tax:
2024 2023
Saldo awal (4,827,849,017) (3,253,089,813) Beginning balance
Kerugian aktuaria yang diakui Actual lossess
sebagai penghasilan charged to other
komprehensif lain 82,938,570
-- (1,574,759,204) comprehensive income
Saldo akhir (4,744,910,447) (4,827,849,017) Ending balance
Risiko Suku Bunga Interest Rate Risk
Nilai kini liabilitas imbalan pasti dihitung The present value of the defined benefits
dengan menggunakan tingkat diskonto obligation is calculated using a discount rate
ditentukan dengan mengacu pada tingkat determined by reference to market yields of
pengembalian pasar atas obligasi government bonds. Generally, a decrease in
pemerintah. Umumnya, penurunan suku the interest rate of a government bonds will
bunga dari obligasi pemerintah akan increase the program obligation.
meningkatkan liabilitas program.
Risiko Tingkat Kenaikan Gaji Salary Rate Risk
Nilai kini liabilitas imbalan pasti dihitung The present value of the defined benefits are
dengan estimasi tingkat kenaikan gaji, calculated using the estimated of salary
semakin tinggi tingkat kenaikan gaji akan growth rate, higher salary growth rate will lead
menyebabkan semakin besarnya liabilitas. to higher obligation.
Tingkat diskonto : 7,09% tahun 2024/in year 2024 : Discount rate
6,33% - 6,81% tahun 2023/in year 2023
Tingkat kenaikan gaji : 10,00% tahun 2024/in year 2024 : Salary increment rate
10,00% tahun 2023/in year 2023
Tingkat kemungkinan cacat : 5% tahun 2024/in year 2024 : Disability rate
5% tahun 2023/in year 2023
Tingkat kematian : TMI-IV-2019 dengan perbaikan, periode 2024/ : Mortality rate
with recovery, in period 2024
TMI-IV-2019 dengan perbaikan, periode 2023/
with recovery, in period 2023
Tingkat pengunduran diri : 10% 20-29 tahun/years old : Resignation rate
8% 30-39 tahun/years old
5% 40-44 tahun/years old
4% 45-49 tahun/years old
1% 50-54 tahun/years old
Usia pensiun normal : 55 tahun/years old : Normal retirement age
Asumsi utama yang digunakan dalam The actuarial valuation as at December 31,
menentukan penilaian aktuaria pada tanggal 2023 were carried out using the following key
31 Desember 2023 adalah sebagai berikut: assumptions:
Nilai Kini Kewajiban
Imbalan Pasti/
Tingkat Diskonto/ Present value of
Discount Rate Benefits Obligation
Analisis Sensitivitas Tingkat Diskonto Sensitivity Analysis of Discount Rate
Kenaikan suku bunga 1% 7.09% (1,550,802,309) Increase of 1% the discount rate
Penurunan suku bunga 1% 7.09% 1,777,603,151 Decrease of 1% the discount rate
Analisis Sensitivitas Kenaikan Gaji Sensitivity Analysis of Salary Increase
Kenaikan suku bunga 1% 10.00% 1,696,840,767 Increase of 1% the discount rate
Penurunan suku bunga 1% 10.00% (1,513,277,301) Decrease of 1% the discount rate
78
Page 615
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Asumsi aktuarial yang signifikan untuk Significant actuarial assumptions for the
penentuan liabilitas imbalan pasti adalah determination of the defined obligation are
tingkat diskonto dan kenaikan gaji yang discount rate and expected salary increase.
diharapkan. Sensitivitas analisis diatas ini The sensitivity analysis below has been
ditentukan berdasarkan masing-masing determined based on reasonably possible
perubahan asumsi yang mungkin terjadi pada changes of the respective assumptions
akhir periode pelaporan, dengan semua occurring at the end, and other variable
asumsi variabel lain konstan. assumption are constant.
Analisis sensitivitas yang disajikan di atas The sensitivity analysis presented above may
mungkin tidak mewakili perubahan yang not be representative of the actual change in
sebenarnya dalam liabilitas imbalan pasti the defined benefit obligation as it is unlikely
mengingat bahwa perubahan asumsi terjadinya that the change inassumptions would occur in
tidak terisolasi satu sama lain karena beberapa isolation of one another assome of the
asumsi tersebut mungkin berkorelasi. assumptions may be correlated.
Selanjutnya, dalam menyajikan analisis Furthermore, in presenting the above sensitivity
sensitivitas diatas, nilai kini liabilitas imbalan analysis, the present value of the defined
pasti dihitung dengan menggunakan metode benefits obligation has been calculated using
projected unit credit pada akhir periode the projected unit credit method at the end of
pelaporan, yang sama dengan yang diterapkan the reporting period, which is the same as that
dalam menghitung liabilitas manfaat pasti yang applied in liability recognized in the statements
diakui dalam laporan posisi keuangan. of financial position.
Rata-rata durasi liabilitas imbalan pasti adalah The weighted average duration of the defined
masing-masing 10,02 dan 10,76 tahun pada benefit obligation are 10.02 and 10.76 year as
tanggal 31 Desember 2024 dan 2023. at December 31, 2024 and 2023, each.
Perkiraan analisis jatuh tempo atas imbalan Expected maturity analysis of undiscounted
pensiun tidak terdiskonto per 31 Desember pension benefits as at December 31, 2024
2024 dan 2023 adalah sebagai berikut: and 2023 is presented below:
2024
Sampai dengan Lebih dari
1 tahun/ 2-5 tahun/ 6-10 tahun/ 10 tahun/More Jumlah/
Until 1 year 2-5 years 6-10 years than 10 years Total
Imbalan pensiun 2,866,592,434 7,117,242,984 26,906,923,330 1,006,049,770,199 1,042,940,528,947 Pension benefits
2023
Sampai dengan Lebih dari
1 tahun/ 2-5 tahun/ 6-10 tahun/ 10 tahun/More Jumlah/
Until 1 year 2-5 years 6-10 years than 10 years Total
Imbalan pensiun 846,716,836 8,061,268,450 28,101,911,019 856,783,920,355 893,793,816,660 Pension benefits
23. Liabilitas Lain-Lain 23. Other Liabilities
2024 2023
Liabilitas Sewa (Catatan 13) 19,920,194,310 25,638,857,628 Lease liabilities (Note 13)
Utang perolehan aset tetap 11,158,781,964 -- Fixed Asset Acquisition Payables
Verifikasi identitas nasabah 9,551,197,300 7,863,486,880 Customer identity verification
Teknologi informasi 2,901,467,541 -- Information Technology
Outsource 2,277,740,724 2,185,259,987 Outsource
Promosi 1,628,293,841 12,051,267,943 Promotion
Lain-lain 1,722,679,966 2,137,795,056 Others
Jumlah 49,160,355,646 49,876,667,494 Total
79
Page 616
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
24. Modal Saham 24. Share Capital
Komposisi pemegang saham Bank dan The composition of the Bank’s shareholders
masing-masing kepemilikan pada tanggal- and their respective share holdings as at
tanggal 31 Desember 2024 dan 2023 adalah December 31, 2024 and 2023 are as follows:
sebagai berikut:
2024
Jumlah lembar Persentase Jumlah nilai
saham/ kepemilikan/ saham/
Number of Percentage of Total amount
shares ownership of shares
PT Mega Corpora 13,228,508,531 60.88% 1,322,850,853,100 PT Mega Corpora
PT Bukalapak Tbk 2,497,816,903 11.49% 249,781,690,300 PT Bukalapak Tbk
Abadi Investment Pte. Ltd. 1,521,117,930 7.00% 152,111,793,000 Abadi Investment Pte. Ltd.
PT Indolife Investama Perkasa 1,303,815,386 6.00% 130,381,538,600 PT Indolife Investama Perkasa
Ali Gunawan (Komisaris) 10,067,300 0.05% 1,006,730,000 Ali Gunawan (Commissioner)
Indra Utoyo (Direktur Utama) 500,000 0.00% 50,000,000 Indra Utoyo (President Director)
Ganda Raharja Rusli (Direktur) 62,884 0.00% 6,288,400 Ganda Raharja Rusli (Director)
Masyarakat (kepemilikan Public (ownership
dibawah 5%) 3,168,367,508 14.58% 316,836,750,800 below 5%)
Jumlah 21,730,256,442 100% 2,173,025,644,200 Total
2023
Jumlah lembar Persentase Jumlah nilai
saham/ kepemilikan/ saham/
Number of Percentage of Total amount
shares ownership of shares
PT Mega Corpora 13,228,508,531 60.88% 1,322,850,853,100 PT Mega Corpora
PT Bukalapak Tbk 2,497,816,903 11.49% 249,781,690,300 PT Bukalapak Tbk
Abadi Investment Pte. Ltd. 1,521,117,930 7.00% 152,111,793,000 Abadi Investment Pte. Ltd.
PT Indolife Investama Perkasa 1,303,815,386 6.00% 130,381,538,600 PT Indolife Investama Perkasa
Ali Gunawan (Komisaris) 9,868,300 0.05% 986,830,000 Ali Gunawan (Commissioner)
Indra Utoyo (Direktur Utama) 500,000 0.00% 50,000,000 Indra Utoyo (President Director)
Ganda Raharja Rusli (Direktur) 47,384 0.00% 4,738,400 Ganda Raharja Rusli (Director)
Masyarakat (kepemilikan Public (ownership
dibawah 5%) 3,168,582,008 14.58% 316,858,200,800 below 5%)
Jumlah 21,730,256,442 100% 2,173,025,644,200 Total
Berdasarkan Akta Rapat Umum Pemegang In accordance with Deed of the Annual
Saham Tahunan PT Allo Bank Indonesia Tbk General Meeting of Shareholders PT Allo
No. 7 tanggal 19 Mei 2023, dibuat dihadapan Bank Indonesia Tbk No. 7 dated May 19,
Dharma Akhyuzi, S.H., Notaris di Jakarta, 2023, made in the presence of Dharma
bahwa dari laba bersih Bank pada tahun buku Akhyuzi, S.H., the Notary in Jakarta that from
2022 sebesar Rp270.029.411.193 akan the Bank’s net profit for the financial year
dibukukan sebesar 99,99% sebagai laba 2022 of Rp270,029,411,193, 99.99% of the
ditahan, sebesar Rp29.411.193 atau 0,01% net profit will be booked as retained earnings
akan dialokasikan sebagai Cadangan Wajib for the fiscal year 2022, Rp29,411,193 or
dalam rangka memenuhi Pasal 70 Undang- 0.01% of the net profit will be allocated as
undang Perseroan Terbatas. Mandatory Reserves in order to comply with
Article 70 of the Limited Liability Company
Law.
Berdasarkan Akta Rapat Umum Pemegang In accordance with Deed of the Annual
Saham Tahunan PT Allo Bank Indonesia Tbk General Meeting of Shareholders PT Allo
No. 4 tanggal 31 Mei 2024, dibuat dihadapan Bank Indonesia Tbk No. 4 dated May 31,
Dharma Akhyuzi, S.H., Notaris di Jakarta, 2024, made in the presence of Dharma
bahwa dari laba bersih Bank pada tahun buku Akhyuzi, S.H., the Notary in Jakarta that from
2023 sebesar Rp444.566.134.304 akan the Bank’s net profit for the financial year
dibukukan sebesar 99,99% sebagai laba 2023 of Rp444,566,134,304, 99.99% of the
ditahan, sebesar Rp6.134.304 atau 0,01% net profit will be booked as retained earnings
80
Page 617
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
akan dialokasikan sebagai Cadangan Wajib for the fiscal year 2023, Rp6,134,304 or
dalam rangka memenuhi Pasal 70 Undang- 0.01% of the net profit will be allocated as
undang Perseroan Terbatas. Mandatory Reserves in order to comply with
Article 70 of the Limited Liability Company
Law.
Pada tanggal 29 Januari 2021, melalui Rapat On January 29, 2021, through the Bank's
Umum Luar Biasa Bank, pemegang saham Extraordinary General Meeting, the
Bank menyetujui rencana Pengambilalihan shareholders of the Bank approved the
beserta rancangan Pengambilalihan dan Acquisition plan along with the Acquisition
konsep akta Pengambilalihan sesuai dengan plan and the draft Acquisition deed in
Peraturan OJK (“POJK”) No. 41/POJK.03/2019 accordance with OJK Regulation (“POJK”)
yang berlaku efektif setelah diperolehnya No. 41/POJK.03/2019 which will become
persetujuan dari OJK. effective after obtaining approval from the
OJK.
Pada tanggal 10 Maret 2021, melalui Surat On March 10, 2021, through Letter No. KEP-
No. KEP-40/D.03/2020 OJK menyetujui 40/ D.03/2020 OJK approved the Takeover
Pengambilalihan 73,71% saham Bank milik of 73.71% of the Bank's shares of the HPP
HPP oleh Mega Corpora. Selanjutnya, by Mega Corpora. Furthermore, based on
berdasarkan akta Notaris Dharma Akhyuzi, No. 9 dated March 15, 2021 of Dharma
S.H., No. 9 tanggal 15 Maret 2021, telah Akhyuzi, S.H., notary, have been change in
dilakukan perubahan susunan pemegang shareholders Bank composition was
saham Bank yang telah diberitahukan kepada notification to the Ministry of Law and Human
Kementerian Hukum dan Hak Asasi Manusia Rights of the Republic Indonesia in its
Republik Indonesia dengan surat penerimaan Decision Letter No. AHU-AH.01.03-0164106
pemberitahuan No. AHU-AH.01.03-0164106 dated March 15, 2021.
tanggal 15 Maret 2021.
Berdasarkan Surat OJK No. S-104/D.04/2021 Based on OJK’s Letter No. S-104/D.04/2021
tanggal 30 Juni 2021, OJK memberitahukan dated June 30, 2021, OJK notify the Bank
kepada Bank bahwa Pernyataan Pendaftaran that the Right Issue Registration Statement
PMHMETD sebesar 7.498.501.776 lembar concerning the increase of share capital
saham telah dinyatakan efektif. Selanjutnya, amounting to 7,498,501,776 shares has
Bank telah melaksanakan dan menyelesaikan been declared effective. On July 26, 2021,
proses PMHMETD tersebut pada tanggal the Bank has executed and accomplished
26 Juli 2021. the Right Issue process.
Berdasarkan Akta Notaris Dharma Akhyuzi, Based on Notarial Deed No. 5 of Dharma
S.H., No. 5 tanggal 15 Oktober 2021, Akhyuzi, S.H., dated October 15, 2021, the
pemegang saham Bank menyetujui perubahan shareholders of the Bank approved the
anggaran dasar dengan peningkatan modal amendment to the articles of association with
dasar menjadi Rp4.000.000.000.000. an increase in authorized capital to
Perubahan tersebut telah disetujui oleh Menteri Rp4,000,000,000,000. The amendment has
Hukum dan Hak Asasi Manusia Republik been approved by the Minister of Laws and
Indonesia melalui Surat Keputusan No. AHU- Human Rights of the Republic of Indonesia in
0057224.AH.01.02.TAHUN 2021 tanggal its Decision Letter No. AHU- 0057224.AH.01.
15 Oktober 2021. 02.TAHUN 2021 dated October 15, 2021.
Berdasarkan Surat OJK No. S-245/D.04/2021 Based on OJK’s Letter No. S-245/D.04/2021
tanggal 30 Desember 2021, OJK dated December 30, 2021, OJK notify the
memberitahukan kepada Bank bahwa Bank that the Right Issue Registration
Pernyataan Pendaftaran PMHMETD sebesar Statement concerning the increase of share
10.047.322.871 lembar saham telah capital amounting to 10,047,322,871 shares
dinyatakan efektif. Selanjutnya, Bank telah has been declared effective. On January 26,
melaksanakan dan menyelesaikan proses 2022, the Bank has executed and
PMHMETD tersebut pada tanggal 26 Januari accomplished the Right Issue process.
2022.
81
Page 618
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
25. Pendapatan Bunga 25. Interest Income
2024 2023
Kredit yang diberikan 1,156,120,368,016 1,068,186,591,840 Loans
Efek-efek 293,355,920,920 228,702,742,321 Marketable securities
Penempatan pada Bank Indonesia 16,670,320,690 12,355,982,060 Placements with Bank Indonesia
Penempatan pada bank lain 20,006,063,905 10,778,864,980 Placements with other banks
Efek-efek yang dibeli dengan janji Securities purchased under
dijual kembali 778,330,524 8,918,589,740 resell agreement
Jumlah 1,486,931,004,055 1,328,942,770,941 Total
Jumlah pendapatan bunga dari pihak berelasi The amount of interest income from related
pada tahun yang berakhir 31 Desember 2024 parties for the years ended December 31,
dan 2023, masing-masing sebesar 2024 and 2023 amounted to Rp42,284,748,291
Rp42.284.748.291 dan Rp23.258.132.974 and Rp23,258,132,974, respectively (Note 36).
(Catatan 36).
26. Beban Bunga 26. Interest Expenses
2024 2023
Simpanan dari nasabah Deposits from customers
Deposito berjangka 267,926,666,926 253,733,162,608 Time deposits
Tabungan 22,635,081,541 13,808,922,082 Saving deposits
Giro 2,652,766,962 2,569,669,946 Current accounts
Premi penjaminan simpanan Deposits guarantee premium
(Catatan 38) 9,418,100,724 11,696,611,320 (Note 38)
Simpanan dari bank lain 7,761,405,556 7,813,009,722 Deposits from other banks
Efek-efek yang dijual dengan janji Securities sold under
dibeli kembali 59,035,366,412 2,566,596,190 repurchased agreement
Jumlah 369,429,388,121 292,187,971,868 Total
Jumlah beban bunga dari pihak berelasi untuk The amount of interest expenses from related
tahun yang berakhir 31 Desember 2024 dan parties for the years ended December 31,
2023 masing-masing sebesar 2024 and 2023 are Rp122.641.557.383 and
Rp122.641.557.383 dan Rp81.775.136.488 Rp81,775,136,488, respectively (Note 36).
(Catatan 36).
27. Provisi dan Komisi 27. Fees and Commissions
2024 2023
Komisi dari kredit 19,461,707,224 6,596,365,673 Commissions from loan
Jumlah 19,461,707,224 6,596,365,673 Total
82
Page 619
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
28. Pendapatan Administrasi dan Denda 28. Administration and Penalties Income
2024 2023
Pendapatan administrasi 151,520,467,447 38,468,983,269 Administration fee
Pendapatan penalti dan denda 29,552,997,469 12,753,914,824 Penalty and charge fee
Pendapatan transaksi nasabah 7,637,320,334 6,364,948,185 Income from customer transaction
Jumlah 188,710,785,250 \ 57,587,846,278 Total
29. Keuntungan Penjualan Efek-Efek 29. Gain on Sales of Marketable Securities
2024 2023
Keuntungan Penjualan Obligasi 69,095,190,316 37,373,920,257 Gain on Sales of Bonds
Jumlah 69,095,190,316 37,373,920,257 Total
30. Penyisihan Cadangan Kerugian Penurunan 30. Provision Of Allowance For Impairment
Nilai Aset Keuangan dan Aset Non - Losses On Financial Assets and Non -
Keuangan Financial Assets
Rincian penyisihan cadangan kerugian Details of provision of allowance for impairment
penurunan nilai aset keuangan dan aset non- losses on financial assets and non-financial
keuangan adalah sebagai berikut: assets are as follows:
2024 2023
Penyisihan cadangan kerugian penurunan Provision of allowance for impairment
nilai atas kredit (Catatan 10) 114,201,209,404 47,915,192,643 losses on loans (Note 10)
(Pemulihan) penyisihan cadangan kerugian (Recovery) provision of allowance for
penurunan nilai atas aset lainnya (Catatan 6) (160,227,487) 26,559,582 impairment losses on other assets (Note 6)
Jumlah 114,040,981,917 47,941,752,225 Total
31. Beban Operasional Lainnya 31. Other Operating Expenses
Akun ini terdiri dari: This account consists of:
2024 2023
Umum dan administrasi 562,001,126,941 391,270,804,253 General and administrative
Tenaga kerja 172,022,912,061 144,556,384,983 Personnel
Jumlah 734,024,039,002
-- 535,827,189,236
-- Total
83
Page 620
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
a. Umum dan administrasi a. General and administrative
2024 2023
Iklan dan promosi 166,057,031,576 161,726,887,663 Advertising and promotions
Verifikasi identitas nasabah 86,380,044,637 28,521,983,894 Customer identity verification
Teknologi informasi 83,020,401,242 56,277,792,964 Information technology
Outsource 58,976,433,804 27,519,174,574 Outsource
Jasa pihak ketiga 42,651,055,044 12,116,092,311 Third parties services
Penyusutan aset tetap Depreciation of fixed assets
(Catatan 13) 35,328,335,863 29,089,120,190 assets (Note 13)
Amortisasi aset takberwujud Amortization of intangible
(Catatan 14) 16,758,116,713 14,467,894,450 assets (Note 14)
Asuransi (Catatan 36) 16,528,294,353 13,661,885,507 Insurance (Note 36)
Telekomunikasi 16,262,916,711 13,273,224,366 Telecommunication
Penyusutan aset hak-guna sewa Depreciation on right of used
(Catatan 13) 12,549,310,164 10,138,291,928 assets (Note 13)
Pungutan oleh Otoritas Jasa Levies by the Financial Service
Keuangan 6,498,860,746 7,860,850,045 Authority
Pendidikan dan pelatihan 4,040,354,489 4,353,600,000 Education and trainings
Bank Koresponden 3,222,155,326 2,277,001,025 Corespondence bank
Keperluan kantor 3,718,782,330 2,169,215,471 Office supplies
Telepon, listrik dan air 2,784,583,575 179,323,552 Telephone, electricity and water
Sewa 1,208,829,806 1,452,579,758 Rent
Beban bunga sewa (Catatan 13) 1,457,410,688 1,352,120,846 Lease interest expense (Note 13)
Perjalanan dinas 1,386,143,373 1,054,372,201 Business travels
Pemeliharaan dan perbaikan 1,439,588,868 824,560,545 Repair and maintenance
Pajak 872,722,673 572,784,395 Taxes
Transportasi 418,869,147 331,735,224 Transportation
Sumbangan 193,850,000 296,452,750 Donations
Lain-lain 247,035,813 1,753,860,594 Others
Jumlah 562,001,126,941 391,270,804,253 Total
b. Tenaga kerja b. Personnel
2024 2023
Gaji dan tunjangan 140,203,887,995 121,094,100,708 Wages and salaries
Tunjangan hari raya 7,277,228,771 5,483,934,758 Religious allowance
Beban imbalan kerja (Catatan 22) 7,388,124,168 5,222,384,852 Employee benefit expense (Note 22)
Tunjangan ketenagakerjaan 6,508,814,263 5,182,757,010 Social security allowance
Tunjangan uang makan/transport 5,289,571,434 3,669,214,289 Employee meal/transport allowance
Tunjangan premi asuransi
kecelakaan (Catatan 36) 3,506,537,458 2,357,909,699 Insurance allowance (Note 36)
Lainnya 1,848,747,972 1,546,083,667 Others
Jumlah 172,022,912,061 144,556,384,983 Total
32. Lain-Lain - Neto 32. Others - Net
2024 2023
Pendapatan insentif 35,000,000,000 -- Incentive income
Penerimaan kembali atas kredit
yang dihapusbukukan dan Receipt from written-off loans
agunan yang diambil alih 14,951,864,588 18,265,904,652 and foreclosed collateral
Lain-lain 2,166,771,266 2,751,151,494 Others
Jumlah 52,118,635,854 21,017,056,146 Total
Pada tanggal 31 Desember 2024, Bank On December 31, 2024, the Bank recognized
mengakui pendapatan insentif eksklusivitas exclusivity incentive revenue of
sebesar Rp35.000.000.000 atas kerjasama Rp35,000,000,000 from a growth-related
pertumbuhan terkait pengembangan produk product development collaboration with a third
dengan pihak ketiga sebagai bentuk insentif party as a form of exclusivity incentive.
eksklusivitas.
84
Page 621
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
33. Beban Non Operasional - Neto 33. Non Operating Expenses - Net
2024 2023
Keuntungan pelepasan Gain on disposal of
aset tetap - neto -- 8,780,917 fixed assets - net
Lainnya - neto 126,494,441 (295,552,748) Others - net
Jumlah 126,494,441 (286,771,831) Total
34. Laba Per Saham Dasar 34. Basic Earnings Per Share
2024 2023
Rata-rata tertimbang jumlah saham Weighted average number
biasa yang beredar dalam tahun ordinary shares outstanding
berjalan 21,730,256,442 21,730,256,442 during the year
Laba bersih 467,105,739,014 444,566,134,304 Net income
Laba bersih per saham Basic earnings
dasar 21.50 20.46 per share
35. Tambahan Modal Disetor 35. Additional Paid-in Capital
Pada tanggal 31 Desember 2024 dan 2023, As at December 31, 2024 and 2023, additional
akun tambahan modal disetor terdiri dari: paid-up capital consists of:
2024 dan 2023/
2024 and 2023
Tambahan modal disetor Additional paid-up capital
Penawaran Umum Perdana
Tahun 2015 20,000,000,000 Initial Public Offering Year 2015
Penawaran Umum Terbatas I
Tahun 2018 16,943,179,500 Limited Public Offering I Year 2018
Penawaran Umum Terbatas III
Tahun 2022 3,797,888,052,789 Limited Public Offering III Year 2022
Transfer of revaluation surplus of
Transfer surplus revaluasi aset fixed assets to additional
tetap ke tambahan modal disetor 22,575,371,620 paid-in capital
Difference in transaction value from
Selisih nilai transaksi kombinasi business combinations of entities
bisnis entitas sepengendali 21,605,074,300 under common control
Beban emisi efek ekuitas Stock issuance costs
Penawaran Umum Perdana
Tahun 2015 (3,769,769,602) Initial Public Offering Year 2015
Penambahan modal tanpa Capital Increase
Hak Memesan Efek Terlebih Without Pre-emptive Rights
Dahulu Tahun 2017 (324,275,000) Year 2017
Penawaran Umum Terbatas I
Tahun 2018 (2,556,985,000) Limited Public Offering I Year 2018
Penawaran Umum Terbatas II
Tahun 2021 (1,403,425,085) Limited Public Offering II Year 2021
Penawaran Umum Terbatas III
Tahun 2022 (2,224,000,000) Limited Public Offering III Year 2022
Jumlah 3,868,733,223,522 Total
85
Page 622
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
36. Transaksi dengan Pihak Berelasi 36. Transactions with Related Parties
Sifat hubungan berelasi Nature of relationship
Dalam kegiatan normal usahanya, Bank juga In the normal activities of business, the Bank
mengadakan transaksi-transaksi tertentu also entered into certain transactions with
dengan pihak yang berelasi. related parties.
Transaksi dengan pihak berelasi dilakukan Transactions with related parties are made
berdasarkan persyaratan yang disetujui oleh based on terms agreed by the parties, which
kedua belah pihak, yang mungkin tidak sama may not be the same as those of the
dengan transaksi lain yang dilakukan dengan transaction between unrelated parties.
pihak yang tidak berelasi.
Rincian sifat hubungan dan jenis transaksi The details of the relationship and type of
yang signifikan dengan pihak berelasi pada significant transactions with related parties as
tanggal 31 Desember 2023 adalah sebagai at December 31, 2023 are as follows:
berikut:
Pihak Berelasi/ Sifat Hubungan Berelasi/ Transaksi / Transactions
Related Parties The Nature of Relation
PT Mega Corpora Pemegang saham/Shareholder Dana setoran modal/Paid-up capital
Simpanan/Deposits
Beban bunga/Interest expense
PT Bukalapak.com Tbk Pemegang saham/Shareholder Dana setoran modal/Paid-up capital
Simpanan/Deposits
Beban bunga/Interest expense
PT Bank Mega Tbk Dimiliki oleh pemegang saham akhir Kustodian/Custody
yang sama/Owned by the same Giro pada bank lain/Current account with other bank
ultimate shareholder Simpanan/Deposits
Beban bunga/Interest expense
PT Bank Mega Syariah Dimiliki oleh pemegang saham akhir Giro pada bank lain/Current account with other bank
yang sama/Owned by the same
ultimate shareholder
PT PFI Mega Life Insurance Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Allo Fresh Indonesia Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Asuransi Umum Mega Dimiliki oleh pemegang saham akhir Asuransi/Insurance
yang sama/Owned by the same Simpanan/Deposits
ultimate shareholder Beban bunga/Interest expense
PT CT Corpora Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Corpora Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Retail Indonesia Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Media Corpora Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Duta Visual Nusantara Tivi Tujuh Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
86
Page 623
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Pihak Berelasi/ Sifat Hubungan Berelasi/ Transaksi / Transactions
Related Parties The Nature of Relation
PT Trans Media Corpora Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Duta Visual Nusantara Tivi Tujuh Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Mega Capital Sekuritas Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Kalla Makassar Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder Kredit yang diberikan/Loans
Pendapatan bunga/Interest income
PT Mega Central Finance Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Mega Auto Finance Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Mega Finance Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Fashion Indonesia Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Metropolitan Retailmart Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
Yayasan CT Arsa Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Alfa Retailindo Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Parabandung Propertindo Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Fashion Dimiliki oleh pemegang saham akhir Kredit yang diberikan/Loans
yang sama/Owned by the same Simpanan/Deposits
ultimate shareholder Beban bunga/Interest expense
Perseorangan/Individual Komisaris/Commissioner Kredit yang diberikan/Loans
Direksi/Director Simpanan/Deposits
Pejabat Eksekutif/Executive Staff Pendapatan bunga/Interest income
Beban bunga/Interest expense
87
Page 624
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Transaksi pihak berelasi Transactions with related parties
a. Kegiatan usaha Bank a. Bank business activities
2024 2023
Aset Assets
Giro pada bank lain (Catatan 6) Current account with other banks (Note 6)
PT Bank Mega Tbk 42,666,773,814 176,937,995,924 PT Bank Mega Tbk
PT Bank Mega Syariah 4,062,754,684 972,337,566 PT Bank Mega Syariah
46,729,528,498 177,910,333,490
Cadangan kerugian Allowance for
penurunan nilai (46,729,528) (177,910,333) impairment losses
Jumlah giro pada bank lain 46,682,798,970 177,732,423,157 Total current account with other banks
Penempatan pada bank lain (Catatan 7) Placements with other banks (Note 7)
PT Bank Mega Tbk 1,750,000,000,000 1,000,000,000,000 PT Bank Mega Tbk
PT Bank Mega Syariah 400,000,000,000 200,000,000,000 PT Bank Mega Syariah
Jumlah penempatan pada bank lain 2,150,000,000,000 1,200,000,000,000 Total placements with other banks
Kredit yang diberikan (Catatan 10) Loans (Note 10)
PT Trans Kalla Makassar 391,580,000,000 250,000,000,000 PT Trans Kalla Makassar
PT Trans Fashion 199,750,000,000 -- PT Trans Fashion
Lain-lain di bawah Rp1 miliar 113,894,975 267,669,566 Others - below Rp1 billion
591,443,894,975 250,267,669,566
Cadangan kerugian Allowance for
penurunan nilai (3,325,942,895) (2,474,700,402) impairment losses
Jumlah kredit yang diberikan 588,117,952,080 247,792,969,164 Total loans
Pendapatan bunga yang masih
akan diterima (Catatan 11) 3,747,855,319 1,077,812,384 Interest receivables (Note 11)
Jumlah aset yang terkait
dengan pihak berelasi 2,788,548,606,369 1,626,603,204,705 Total assets with related parties
Persentase dari jumlah aset 19.94% 12.76% Percentage of total assets
Liabilitas Liabilities
Simpanan nasabah (Catatan 18) Deposits from customers (Note 18)
Giro 27,723,748,849 7,186,778,203 Current account
Tabungan -- -- Saving deposit
Deposito 187,478,189,054 1,211,021,904,479 Time deposit
Simpanan dari bank lain (Catatan 19) 11,172,132 37,389 Deposits from other banks (Note 19)
Jumlah liabilitas yang terkait dengan
pihak berelasi 215,213,110,035 1,218,208,720,071 Total liabilities with related parties
Persentase dari jumlah liabilitas 3.20% 20.77% Percentage of total liabilities
hvy
Pendapatan bunga (Catatan 25) 42,284,748,291 23,258,132,974 Interest income (Note 25)
Persentase dari jumlah pendapatan
bunga 2.84% 1.75% Percentage of total interest income
Beban bunga (Catatan 26) 122,641,557,383 81,775,136,488 Interest expenses (Note 26)
Persentase dari jumlah beban bunga 33.20% 27.99% Percentage of total interest expenses
Beban operasional lainnya (Catatan 31a) Other operating expenses (Note 31)
Penyusutan aset hak-guna sewa 13,491,554,540 9,736,628,522 Depreciation of right-of-use assets
Asuransi Insurance
PT Asuransi Umum Mega 20,034,831,811 16,019,795,206 PT Asuransi Umum Mega
Jumlah beban operasional lainnya Total other operating
yang terkait dengan pihak berelasi 33,526,386,351 25,756,423,728 expenses with related parties
Persentase dari jumlah beban Percentage of total other operating
operasional lainnya 4.57% 4.81% expenses
88
Page 625
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Rincian gaji dan tunjangan yang diberikan Details of salary and benefits given to
kepada Dewan Komisaris, Dewan Board of Commissioners, Board of
Direksi, Komite Audit dan Komite Directors, Audit Committee, Risk
Pemantau Risiko dan Komite Remunerasi Monitoring Committee and Remuneration
dan Nominasi Bank adalah sebagai and Nomination Committee of the Bank
berikut: are as follows:
2024
Gaji/ Tunjangan/ Jumlah/
Salary Benefits Total
Dewan Komisaris 4,860,000,000 934,372,971 5,794,372,971 Board of Commissioners
Dewan Direksi 13,960,000,000 3,076,459,473 17,036,459,473 Board of Directors
Komite Audit, Komite Audit Committee, Risk
Pemantau Risiko dan Monitoring Committee
Komite Remunerasi and Remuneration
dan Nominasi 1,635,600,000 351,817,433 1,987,417,433 and Nomination
Jumlah 20,455,600,000 4,362,649,877 24,818,249,877 Total
2023
Gaji/ Tunjangan/ Jumlah/
Salary Benefits Total
Dewan Komisaris 4,480,000,000 876,758,121 5,356,758,121 Board of Commissioners
Dewan Direksi 13,144,000,000 2,925,820,834 16,069,820,834 Board of Directors
Komite Audit, Komite Audit Committee, Risk
Pemantau Risiko dan Monitoring Committee
Komite Remunerasi and Remuneration
dan Nominasi 1,407,565,520 209,243,150 1,616,808,670 and Nomination
Jumlah 19,031,565,520 4,011,822,105 23,043,387,625 Total
Jumlah pesangon pemutusan kontrak The amount of the termination benefits for
kerja kepada manajemen kunci pada the key management as at December 31,
31 Desember 2024 dan 2023 masing- 2024 and 2023 amounted to
masing sebesar Rp821.327.249.877 dan Rp821.327.249.877 and nil, respectively.
nihil.
Berdasarkan Akta Perpanjangan Sewa Based on the Deed of Lease Extension
Menyewa No. 1 tanggal 1 Oktober 2018 No.1 dated October 1, 2018 of Sheila
yang dibuat di hadapan notaris Sheila Ersan Sugito, SH., MKn., notary in
Ersan Sugito, SH., MKn., notaris di Jakarta, Jakarta, between PT Asean Motor
antara PT Asean Motor International International and the Bank both parties
dengan Bank, kedua belah pihak telah have agreed to extend lease agreement
menyetujui untuk melakukan on the building that is the room in the
perpanjangan perjanjian sewa menyewa building located on the 1st floor, 2nd floor
atas gedung yaitu ruangan di dalam and 3rd floor which are located at Jl. Kyai
gedung yang terletak di lantai 1 (satu), Haji Samanhudi No. 10-10 A, Central
lantai 2 (dua) dan lantai 3 (tiga) yang Jakarta. The rent expense for the lease
beralamat di Jl. Kyai Haji Samanhudi extension amounting to Rp243,702,500 for
No.10-10 A, Jakarta Pusat. Biaya sewa each month and the service charge/
untuk perpanjangan sewa tersebut maintenance expense amounting to
sebesar Rp243.702.500 per bulan dan Rp103,526,742 for each month. This
biaya service charge/maintenance sebesar agreement lasts for 5 years, starting on
Rp103.526.742 per bulan. Perjanjian ini December 19, 2017 until December 19,
berlangsung selama 5 tahun, terhitung 2022.
mulai tanggal 19 Desember 2017 sampai
dengan 19 Desember 2022.
89
Page 626
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Berdasarkan perjanjian No. 021/PKS/AB- Based on agreement No. 021/PKS/AB-
BM/IX/2021 pada tanggal 20 September BM/IX/2021 dated September 20, 2021,
2021 antara PT Bank Mega Tbk dengan between Bank Mega Tbk and the Bank in
Bank dalam penyediaan Jasa Teknologi providing Data Center and/or Data
Informasi Data Center dan/atau Data Recovery Center Information Technology
Recovery Center. Perjanjian ini Services. This agreement lasts for
berlangsung selama 3 tahun, terhitung 3 years, starting on September 23, 2021
mulai tanggal 23 September 2021 sampai until September 22, 2024.
dengan 22 September 2024.
Berdasarkan perjanjian No. 021/PKS/AB- Based on agreement No. 021/PKS/AB-
BM/IX/2021 pada tanggal 20 September BM/IX/2021 dated September 20, 2021,
2021 antara PT Bank Mega Tbk dengan between Bank Mega Tbk and the Bank in
Bank dalam penyediaan Jasa Teknologi providing Data Center and/or Data
Informasi Data Center dan/atau Data Recovery Center Information Technology
Recovery Center. Perjanjian ini Services. This agreement lasts for
berlangsung selama 3 tahun, terhitung 3 years, starting on September 23, 2024
mulai tanggal 23 September 2024 sampai until September 22, 2027.
dengan 22 September 2027.
Berdasarkan perjanjian No. Based on agreement No.
016/PKS/X/2024 pada tanggal 016/PRFS/X/2024 dated October 9, 2024,
9 Oktober 2024 antara Bank Mega Tbk between Bank Mega Tbk and the Bank for
dengan Bank untuk menyewa ruangan di rent space in Bank Mega Card Center
Gedung Bank Mega Card Center. Building. This agreement lasts for 4 years,
Perjanjian ini berlangsung selama 4 tahun, starting on October 9, 2024 until October
terhitung mulai tanggal 9 Oktober 2024 8, 2028.
sampai dengan 8 Oktober 2028.
Berdasarkan perjanjian No. Based on agreement No. 029/PRFS/2021
029/PRFS/2021 pada tanggal dated October 26, 2021, between Bank
26 Oktober 2021 antara Bank Mega Tbk Mega Tbk and the Bank for rent space in
dengan Bank untuk menyewa ruangan di Menara Bank Mega Building. This
Gedung Menara Bank Mega. Perjanjian ini agreement lasts for 5 years, starting on
berlangsung selama 5 tahun, terhitung November 1, 2021 until October 30, 2026.
mulai tanggal 1 November 2021 sampai
dengan 30 Oktober 2026.
Berdasarkan perjanjian No. Based on agreement No. 001/PKS/AUM-
001/PKS/AUM-MKT_BG-BHI/V/2021 pada MKT_BG-BHI/V/2021 dated May 6, 2021,
tanggal 6 Mei 2021 antara between PT Asuransi Umum Mega and
PT Asuransi Umum Mega dengan Bank the Bank for procurement of insurance
untuk pengadaan jasa asuransi bagi services for credit collateral. This
agunan kredit. Perjanjian ini berlangsung agreement lasts for 2 years, starting on
selama 2 tahun, terhitung mulai tanggal May 6, 2021 until May 6, 2023 and is
6 Mei 2021 sampai dengan 6 Mei 2023 automatically renewed.
dan diperpanjang otomatis.
Berdasarkan perjanjian No. Based on agreement No. 001/PRFS/2022
001/PRFS/2022 pada tanggal dated January 3, 2022, between PT Bank
3 Januari 2022 antara PT Bank Mega Tbk Mega Tbk and the Bank to rent the
dengan Bank untuk menyewa lantai Mezanine floor in Menara Bank Mega
Mezanine di Gedung Menara Bank Mega. Building. This agreement lasts for 5
Perjanjian ini berlangsung selama 5 years, starting on Januari 3, 2022 until
tahun, terhitung mulai tanggal 3 Januari January 2, 2027.
2022 sampai dengan 2 Januari 2027.
90
Page 627
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Berdasarkan perjanjian No. 004/PRFS/ Based on agreement No. 004/PRFS/2022
2022 pada tanggal 15 Maret 2022 antara dated March 15, 2022, between PT Bank
PT Bank Mega Tbk dengan Bank untuk Mega Tbk and the Bank to rent space on
menyewa ruangan di lantai dasar Gedung the ground floor of Menara Bank Mega
Menara Bank Mega. Perjanjian ini Building. This agreement lasts for
berlangsung selama 3 tahun, terhitung 3 years, starting on March 15, 2022 until
mulai tanggal 15 Maret 2022 sampai March 14, 2025.
dengan 14 Maret 2025.
Berdasarkan perjanjian No. Based on agreement No. 016/PRFS/2022
016/PRFS/2022 pada tanggal dated September 1, 2022, between
1 September 2022 antara PT Bank Mega PT Bank Mega Tbk and the Bank to
Tbk dengan Bank untuk menyewa archive space at Bank Mega’s archive
ruangan arsip di gudang arsip Bank Mega warehouse in Setu Cipayung. This
di Setu Cipayung. Perjanjian ini agreement lasts for 2 years and 7
berlangsung selama 2 tahun 7 bulan, months, starting on September 1, 2022
terhitung mulai tanggal 1 September 2022 until March 31, 2025.
sampai dengan 31 Maret 2025.
37. Komitmen Dan Kontinjensi 37. Commitments And Contingencies
Akun-akun di bawah ini dicatat didalam The accounts below are recorded in the
laporan posisi keuangan ekstra-komtabel (off- statements of financial position of extra-
balance sheet): comptable (off-balance sheet):
2024 2023
Komitmen Commitments
Liabilitas komitmen Commitments liabilities
Fasilitas kredit kepada nasabah
yang belum digunakan (2,337,457,472,020) (769,050,862,767) Unused loan facilities to debtors
Kontinjensi Contingencies
Tagihan kontinjensi Contingencies receivables
Pendapatan bunga dalam
penyelesaian 14,302,018,515 5,323,911,942 Past due interest receivables
Kredit hapus buku 99,493,427,700 35,198,145,221 Written-off loans
Jumlah komitmen dan Total commitments and
kontinjensi - neto (2,223,662,025,805) (728,528,805,604) contingencies - net
Bank memiliki saldo transaksi komitmen dan The Bank has commitments and contingencies
kontinjensi dengan pihak berelasi atas fasilitas transaction with related parties for unused loan
kredit kepada nasabah yang belum digunakan facilities amounting to Rp1,235,449,292 and nil
sebesar Rp1.235.449.292 dan nil pada as at December 31, 2024 and 2023,
tanggal 31 Desember 2024 dan 2023. respectively.
38. Jaminan Pemerintah Terhadap Kewajiban 38. Government Guarantee On Obligations Of
Pembayaran Bank Umum Commercial Banks
Berdasarkan Undang-Undang No. 24 tentang Based on Law No. 24 concerning the Indonesia
Lembaga Penjaminan Simpanan (LPS) Deposit Insurance Agency (LPS) dated
tanggal 22 September 2004, efektif sejak September 22, 2004, effective on September
tanggal 22 September 2005, sebagaimana 22, 2005, which was amended by Law No. 7
diubah dengan Undang-Undang No. 7 Tahun Year 2009 dated January 13, 2009 regarding
2009 tanggal 13 Januari 2009 tentang with the Determination of Government
Penetapan Peraturan Pemerintah Pengganti Regulation as Substitution of Law No. 3 Year
91
Page 628
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Undang-Undang No. 3 Tahun 2008, LPS 2008, LPS was formed to guarantee certain
dibentuk untuk menjamin liabilitas tertentu liabilities of commercial banks under the
bank-bank umum berdasarkan program applicable guarantee program, which the
penjaminan yang berlaku, yang besaran nilai amount of guarantee can be adjusted if certain
jaminannya dapat berubah jika memenuhi criterias are met.
kriteria tertentu yang berlaku.
Berdasarkan Peraturan Pemerintah Republik In accordance with Indonesia Government
Indonesia No. 66 Tahun 2008 tanggal Regulation No. 66 Year 2008 dated October
13 Oktober 2008, yang menyatakan bahwa 13, 2008, starting October 13, 2008 the
sejak tanggal 13 Oktober 2008 besaran nilai “Indonesia Deposit Insurance Agency (LPS)”
simpanan yang dijamin Lembaga Penjamin will guarantee bank deposits of each customers
Simpanan (LPS) untuk setiap nasabah pada in one bank for maximum of Rp100,000,000,
satu bank yang semula maksimal previously, then was changed to maximum of
Rp100.000.000 diubah menjadi maksimal Rp2,000,000,000.
Rp2.000.000.000.
Berdasarkan Surat Edaran No.PENG- Based on Circular Letter No. PENG-
9/DSPS/2023 tentang Penetapan Tingkat 9/DSPS/2023 on Determination Interest Rate
Bunga Penjaminan Untuk Simpanan di Bank Guarantee for Deposits at Commercial Banks
Umum tanggal 23 Mei 2023, tingkat bunga dated May 23, 2023, the interest rate
penjaminan periode 1 Juni 2023 sampai guarantee period June 1, 2023 up to
dengan 30 September 2023 untuk simpanan September 30, 2023 for deposits in commercial
di bank umum adalah 4,25% untuk mata uang banks is 4.25% for Rupiah and 2.25% for
Rupiah dan 2,25% untuk mata uang asing. foreign currency.
Berdasarkan Surat Edaran No.PENG- Based on Circular Letter No. PENG-
3/DSPS/2022 tentang Penetapan Tingkat 3/DSPS/2022 on the Determination Interest
Bunga Penjaminan Untuk Simpanan di Bank Rate Guarantee for Deposits at Commercial
Umum tanggal 7 Desember 2022, tingkat Banks dated December 7, 2022, the interest
bunga penjaminan periode 9 Desember 2022 rate guarantee period Desember 9, 2022 up to
sampai dengan 31 Januari 2023 untuk January 31, 2023 for deposits in commercial
simpanan di bank umum adalah 3,75% untuk banks is 3.75% for Rupiah and 1.75% for
mata uang Rupiah dan 1,75% untuk mata foreign currency.
uang asing.
Pada tanggal 31 Desember 2024 dan 2023, As at December 31, 2024 and 2023, the Bank
Bank adalah peserta dari program penjaminan is a participant of the program.
tersebut.
Beban premi penjaminan Pemerintah yang The Government guarantee premium paid as at
dibayar selama pada tanggal 31 Desember December 31, 2024 and 2023 amounting to
2024 dan 2023 masing-masing sebesar Rp9,418,100,724 and Rp11,696,611,320,
Rp9.418.100.724 dan Rp11.696.611.320 respectively (Note 26).
(Catatan 26).
92
Page 629
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
39. Informasi Segmen Usaha 39. Operating Segment Information
Berikut ini adalah informasi segmen Bank Information regarding the operating segments
berdasarkan segmen operasi: of the Bank are as follows:
31 Desember/December 31, 2024
Korporasi/ Ritel/ Tresuri/ Jumlah/
Corporate Retail Treasury Total
Pendapatan Bunga Bersih 571,283,791,597 289,857,041,221 256,360,783,116 1,117,501,615,934 Net Interest Income
Pendapatan Operasional Lainnya 25,080,265,979 235,210,862,349 69,095,190,316 329,386,318,644 Other Operating Income
Penyisihan Cadangan Kerugian Provision on Allowance for
Penurunan Nilai 9,600,037,090 (123,801,246,494) 160,227,487 (114,040,981,917) Impairment Losses
Beban Tenaga Kerja (55,440,768,450) (116,582,143,611) -- (172,022,912,061) Personnel Expenses
Beban Umum dan Administrasi (67,233,177,602) (494,767,949,339) -- (562,001,126,941) General and Administrarive Expenses
Laba Operasional 483,290,148,614 (210,083,435,874) 325,616,200,919 598,822,913,659 Operational Income
Pendapatan Non Operasional 387,133,765 (260,639,321) -- 126,494,444 Non Operating Income
Laba Sebelum Pajak Penghasilan 483,677,282,379 (210,344,075,195) 325,616,200,919 598,949,408,103 Income Before Income Tax
Beban Pajak Penghasilan (131,843,669,087)
-- -- --
-- (131,843,669,086) Income Tax Expenses
Laba Bersih 351,833,613,292 (210,344,075,195) 325,616,200,919 467,105,739,017 Net Income
31 Desember/December 31, 2023
Korporasi/ Ritel/ Tresuri/ Jumlah/
Corporate Retail Treasury Total
Pendapatan Bunga Bersih 660,030,202,102 134,835,602,570 241,888,994,401 1,036,754,799,073 Net Interest Income
Pendapatan Operasional Lainnya 6,915,727,595 78,285,540,502 37,373,920,257 122,575,188,354 Other Operating Income
Penyisihan Cadangan Kerugian Provision on Allowance for
Penurunan Nilai (1,168,455,304) (46,746,737,338) (26,559,583) (47,941,752,225) Impairment Losses
Beban Tenaga Kerja (52,268,982,347) (92,287,402,636) -- (144,556,384,983) Personnel Expenses
Beban Umum dan Administrasi (64,732,232,684) (326,538,571,569) -- (391,270,804,253) General and Administrarive Expenses
Laba Operasional 548,776,259,362 (252,451,568,471) 279,236,355,075 575,561,045,966 Operational Income
Pendapatan Non Operasional 75,919,169 (362,691,000) -- (286,771,831) Non Operating Income
Laba Sebelum Pajak Penghasilan 548,852,178,531 (252,814,259,471) 279,236,355,075 575,274,274,135 Income Before Income Tax
Beban Pajak Penghasilan (130,708,139,831)
-- -- --
-- (130,708,139,831) Income Tax Expenses
Laba Bersih 418,144,038,700 (252,814,259,471) 279,236,355,075 444,566,134,304 Net Income
40. Manajemen Risiko 40. Risk Management
Kerangka Manajemen Risiko Risk Management Framework
Bank menerapkan manajemen risiko terpadu The Bank applies integrated and
dan komprehensif sehingga mampu comprehensive risk management that is
mendukung pencapaian target kinerja dan capable to support the achievement of
menjaga kelangsungan usaha. Strategi performance targets and maintain business
manajemen risiko yang proaktif akan continuity. Proactive risk management strategy
meningkatkan efektivitas penggunaan modal will improve effectiveness of capital utilization
dan tingkat pengembangan modal (Return on and the level of capital development (Return on
Equity) sehingga dapat memberikan nilai Equity) thus it can provide value added to the
tambah bagi pemegang saham. shareholders.
Bank telah memperhatikan cakupan penilaian The Bank has focused on the assessment
penerapan manajemen risiko melalui profil coverage of the management risk
risiko Bank baik penilaian inherent risk implementation through the Bank’s profile risk
maupun penilaian kualitas penerapan either assessment of inherent risk or
manajemen risiko serta menyesuaikan setiap assessment of quality management risk
indikator penilaian sesuai dengan peraturan implementation and adjust each assesments
yang baru dengan menggunakan konsep Risk indicators to the new regulations by using the
Based Bank Rating (RBBR). Risk Based Bank Rating (RBBR concept).
Berdasarkan self-assessment yang dilakukan Based on the self-assessment conducted by
Bank selama periode 31 Desember 2023, the Bank during the period of December 31,
secara keseluruhan, tingkat profil risiko yang 2023 overally, the Bank’s risk profile composite
dihadapi Bank adalah pada peringkat rating is 2 (two). Various attempts to maintain
komposit 2 (dua). Berbagai upaya untuk the ratings on a composite rating 2 (two) are
mempertahankan penilaian pada peringkat carried out continuously, especially the
komposit 2 (dua) terus dilakukan terutama improvement and evaluation of the four major
93
Page 630
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
perbaikan dan evaluasi pada empat kategori risks faced by the Bank, in addition to other
risiko utama yang dihadapi Bank, disamping risks. The four key risks faced by the Bank are
risiko lainnya. Keempat risiko utama yang credit risk, market risk, liquidity risk, and
dihadapi Bank adalah risiko kredit, risiko pasar, operational risk. By involving all elements in the
risiko likuiditas, dan risiko operasional. Dengan Bank which is the Board of Commissioners and
melibatkan semua unsur dalam Bank dimana the Board of Directors that have the role to
Dewan Komisaris dan Direksi mempunyai ensure the implementation of risk management
tugas memastikan penerapan manajemen has been adequate in accordance with
risiko telah memadai sesuai kompleksitas dan complexity and the Bank’s risk profile and
profil risiko Bank serta memahami dengan baik understand well the types and level of inherent
jenis dan tingkat risiko yang melekat pada risk on the Bank’s business activities.
kegiatan bisnis Bank.
Mekanisme pengelolaan risiko secara day to Day to day risk management mechanism is
day dengan berdasarkan prinsip kehati-hatian based on conservatism principle that has been
telah dituangkan dalam beberapa kebijakan contained in several policies and procedures,
dan prosedur, yang merupakan aturan acuan which is as a reference regulation in
dalam implementasi manajemen risiko pada implementation of risk management in all the
seluruh kegiatan bisnis Bank yang meliputi Bank’s business activities including policy,
kebijakan, strategi, organisasi, sistem informasi strategy, organization, information system of
manajemen risiko, pengawasan risiko, risk management, risk monitoring, product
pengelolaan produk, aktivitas baru, dan management, new activity, and Business
Business Continuity Plan (BCP). Continuity Plan (BCP).
Untuk menjamin tercapainya praktik manajemen In order to ensure the achievement of the best
risiko terbaik pada Bank, kontribusi dari Komite risk management practices in the Bank, the
Pemantau Risiko dan Komite Audit dinilai contribution of the Risk Monitoring Committee
memadai dalam mendukung pelaksanaan tugas and Audit Committee is considered adequate to
Dewan Komisaris. Komite Pemantau Risiko support the duty of the Board of
memiliki tanggung jawab dalam pemantauan Commissioners. The Risk Monitoring
dan evaluasi pelaksanaan manajemen risiko di Committee has responsibility in monitoring and
Bank, sedangkan Komite Audit bertanggung evaluation the implementation risk
jawab dalam pemantauan dan evaluasi management in the Bank, while the Audit
pelaksanaan audit, pengendalian proses Committee has responsibility in monitoring and
internal dan pelaporan keuangan. evaluation the audit implementation, internal
control and financial reporting.
Kedua komite pendukung Dewan Komisaris Both committees that support the Board of
tersebut berperan sebagai organ Commissioners act as complementary parts to
komplementer bagi satu sama lain dalam hal one another in terms of conducting surveillance
melakukan pengawasan pada Bank, tetapi for the Bank, but both of them have
keduanya memiliki tanggung jawab di ranah responsibilities in different realms.
yang berbeda.
Manajemen Risiko Aset dan Liabilitas Risk Management Asset and Liabilities
Manajemen Aset/Liabilitas adalah serangkaian Management Assets/Liabilities is a set of
tindakan dan prosedur yang dirancang untuk actions and procedures designed to control
mengontrol posisi keuangan, dalam financial position, to support and assist the
mendukung dan membantu pelaksanaan tugas implementation of director’s duty in maintaining
direksi dalam memelihara struktur neraca yang the structure of strong balance sheet, the Bank
kuat, Bank telah membentuk Asset and Liability has established the Asset and Liability
Committee (ALCO) yang diketuai oleh Direktur Committee (ALCO) which is chaired by
Utama dan wakil ketua Direktur Bisnis dengan President Director and vice chairment by
anggota lainnya terdiri dari Direktur Keuangan Director of Business, with other members
dan Operasi, Direktur Risiko, Kepatuhan, consisting Finance and Operations Director,
Human Capital dan Hukum, Kepala Keuangan Risk, Compliance, Human Capital and Legal
dan Akunting, Kepala Pendanaan, Kepala Director, Finance and Accounting Head,
Kredit, Kepada Risiko Kredit dan Kepala Divisi Funding Head, Credit Head, Credit Risk Head
Treasury sebagai sekretaris. and Head Treasury Division as secretary.
94
Page 631
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
ALCO bertanggung jawab untuk mengevaluasi, ALCO is responsible for evaluating, proposing,
mengusulkan, dan menetapkan strategi and establishing the strategy of the Bank’s
pendanaan dan investasi Bank. Ruang lingkup funding and investment. The scope of ALCO is
ALCO adalah mengelola risiko likuiditas, risiko to manage liquidity risk, interest rate risk and
tingkat suku bunga, dan risiko nilai tukar valuta foreign exchange risk; minimize funding costs
asing; meminimalkan biaya pendanaan serta and maintain liquidity at the same time; and
mempertahankan likuiditas pada saat yang optimize the acquisition of the Bank’s interest
bersamaan; dan mengoptimalkan perolehan income by allocating funds in productive assets
pendapatan bunga Bank dengan carefully.
mengalokasikan dana pada aset produktif
secara hati-hati.
Proses pengelolaan aset dan liabilitas Bank The process of managing the Bank’s assets
dimulai dengan pengkajian parameter ekonomi and liabilities starts with an assessment of
yang mempengaruhi Bank, yang umumnya economic parameters affecting the Bank, which
terdiri dari tingkat inflasi, likuiditas pasar, yield generally consist of inflation rate, market
curve, nilai tukar valuta asing terhadap rupiah, liquidity, yield curve, the exchange rate of
dan faktor makro ekonomi lainnya. Kajian foreign currency, and other macro economic
tersebut oleh Satuan Kerja Manajemen Risiko factors. The review by the Risk Management
dilaporkan kepada Asset and Liability Committee Unit reported to the Asset and Liability
(ALCO). ALCO kemudian akan menentukan Committee (ALCO). Then ALCO will define the
strategi bisnis dalam penetapan tingkat bunga business strategy in the setting of interest rates
simpanan dan kredit berdasarkan kondisi, on deposits and loans based on the conditions,
kebijakan dan pengalokasian dana, evaluasi policies and funding allocation, evaluation of
kewajiban-kewajiban Bank, dan pemantauan the Bank obligations, and monitoring of the
laba Bank yang telah dicapai serta memonitor Bank’s earnings that have been achieved as
posisi likuiditas. well as monitoring its liquidity position.
Risiko Kredit Credit Risk
Risiko Kredit adalah risiko yang timbul sebagai Credit Risk is risk which arises as a result of
akibat kegagalan counterparty memenuhi counterparty failure fulfilling the obligation. The
liabilitasnya. Bank melakukan pengelolaan risiko Bank manages credit risk by developing
kredit dengan menyusun strategi dan kerangka strategies and frameworks as well as running
kerja serta menjalankan upaya mitigasi risiko the risk mitigation efforts on the business
atas aspek bisnis perkreditan mikro, retail, aspects of micro lending, retail, commercial, or
komersial, maupun konsumsi, penempatan consumption, inter-bank placements, and
antar-bank, serta pembelian surat berharga. purchases of securities.
Untuk menjaga agar kualitas kredit Bank tetap In order to keep the credit quality of the Bank
terjaga dengan baik, maka pemantauan maintained properly, then the monitoring of the
terhadap kualitas kredit terus dilakukan secara credit quality continues to be done on a regular
rutin, baik per kategori kredit (Retail, Komersial, basis, either by loan category (Retail,
dan Konsumsi) maupun portofolio kredit secara Commercial, and Consumption) as well as
keseluruhan. Sistem pengukuran profil risiko overall loan portfolio. Debtor risk profile
debitur, prosedur, sistem manajemen risiko, measurement system, procedures, risk
sistem database, dan organisasi perkreditan management systems, database systems, and
terus disempurnakan dengan penekanan credit organizations continue to be refined with
kepada penerapan prinsip “empat mata” (four an emphasis on the application of the “four
eyes principle) dimana keputusan kredit diambil eyes” principle (four eyes principle) where
berdasarkan pertimbangan dari dua sisi, yaitu credit decisions are taken based on the
sisi pengembangan bisnis dan sisi analisis consideration of the two sides, namely the
risiko kredit. development of the business side and the
credit risk analysis side.
Bank juga membentuk Komite Kredit untuk The Bank also formes a Credit Committee to
membantu Direksi mengevaluasi dan/atau help the Board of Director evaluate and/or
memberikan keputusan kredit sesuai batas provide credit Decisions in accordance with the
wewenangnya melalui Rapat Komite Kredit limits of its authority through the Credit
atau Surat Edaran Direksi. Fungsi pokok Committee Meeting or Directors Circular Letter.
Komite Kredit adalah: The major functions of Credit Committee are:
95
Page 632
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
1. Memastikan bahwa seluruh aspek telah 1. To ensure that all aspects have been
memenuhi prinsip pemberian kredit yang fulfilling the principle of sound lending in
sehat sesuai dengan Pedoman Kebijakan accordance with the Bank's Credit Policy
Perkreditan Bank; Guidance;
2. Memastikan bahwa kredit yang diberikan 2. To ensure that the loans do not violate
tidak melanggar prinsip kehati-hatian; the principle of prudence;
3. Meyakini bahwa kredit yang akan diberikan 3. To convince that the loan will be given can
dapat dilunasi pada saat jatuh tempo be repaid at maturity based on an analysis
berdasarkan analisis terhadap permohonan of the application filed by the prospective
yang diajukan oleh calon debitur; debtor;
4. Memberikan persetujuan atau penolakan 4. To provide approval or rejection on credit
atas permohonan kredit setelah application after obtaining sufficient
memperoleh informasi yang cukup dari information from proposer; and
pengusul; dan
5. Memberikan persyaratan tertentu (jika 5. To provide certain requirements (if
dipandang perlu) sebagai salah satu bentuk deemed necessary) as one form of credit risk
mitigasi risiko kredit yang mungkin akan mitigation that might arise.
timbul.
Bank telah mengembangkan pengelolaan risiko The Bank has developed credit risk
kredit dengan melakukan analisis stress testing management by conducting regular stress
secara berkala terhadap portofolio kredit serta testing analysis of the loan portfolio as well as
melakukan monitoring terhadap hasil stress the monitoring of the results of the stress
testing tersebut. Stress testing bermanfaat bagi testing. Stress testing is beneficial for the Bank
Bank sebagai alat untuk memperkirakan as a tool for estimating the impact of risk on the
besarnya dampak risiko pada “stressful “stressful condition” so that the Bank can make
condition” sehingga Bank dapat membuat appropriate strategies to mitigate these risks as
strategi yang sesuai untuk memitigasi risiko part of the implementation of the “contingency
tersebut sebagai bagian dari pelaksanaan plan”.
“contingency plan”.
Dalam melakukan pengelolaan risiko kredit In conducting credit risk management, the
Bank sangat memperhatikan hal-hal yang Bank is very concerned of several things
meliputi sumber daya manusia yang sadar including human resource who is aware of the
risiko, proses persetujuan kredit yang risks, transparent and gradual credit approval
transparan dan berjenjang oleh Komite Kredit, process by Credit Committee, procedures,
tata cara, kriteria dan alat ukur risiko yang criteria and a distinctive risk measuring tool,
jelas, administrasi dan dokumentasi yang administration and complete documentation
lengkap serta pengawasan kredit secara and continuously credit monitoring of loans
berkesinambungan terhadap kualitas kredit quality, monitoring of debtors and taking
yang diberikan, pengawasan atas debitur dan actions needed to avoid the credit quality
mengambil tindakan yang diperlukan agar become non-performing loans (NPL), do
kualitas kreditnya tidak menjadi non-performing intensive billing to non-performing debtors,
loans (NPL), melakukan penagihan secara reviewing and evaluating indicator of risk and
intensif terhadap debitur bermasalah, melakukan compliance aspects for evaluating
kaji ulang dan mengevaluasi indikator aspek implementation of four eyes principles, intensify
risiko dan kepatuhan untuk mengevaluasi meeting of credit committee decision for giving
penerapan four eyes principles, credit with large credit limit, and consistently
mengintensifkan rapat komite pemutus kredit monitor credit in order to expand healthy and
untuk pemberian kredit dengan plafon besar, quality credit.
dan secara konsisten memantau kredit dalam
rangka ekspansi kredit yang sehat dan
berkualitas.
Selama tahun 2024 dan 2023, tidak terdapat During 2024 and 2023, there are no loans
pemberian kredit pihak ketiga tidak terkait granted to third parties that exceed the Legal
yang melampaui Batas Maksimum Pemberian Lending Limit (LLL) required by Financial
Kredit (BMPK) yang ditetapkan oleh Otoritas Services Authority.
Jasa Keuangan.
96
Page 633
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Untuk tahun-tahun yang berakhir For the years ended December 31, 2024 and
31 Desember 2024 dan 2023, profil risiko 2023, rating of the loan risk profile is 2 (two)
kredit Bank berada pada peringkat 2 (dua) dan and 3 (three), respectively.
3 (tiga).
a. Eksposur maksimum terhadap risiko a. Maximum exposure to credit risk
kredit
Dalam aset keuangan yang diakui di The financial assets that are recognized in
laporan posisi keuangan, eksposur the statement of financial position, the
maksimum terhadap risiko kredit sama maximum exposure to credit risk is equal
dengan nilai tercatatnya. Untuk bank to its carrying value. For bank guarantees
garansi yang diterbitkan, eksposur issued, the maximum exposure to credit
maksimum terhadap risiko kredit adalah risk is a value that must be paid by the
nilai yang harus dibayarkan oleh Bank Bank if the liabilities for bank guarantees
jika kewajiban atas bank garansi yang issued occur or be realized. For credit
diterbitkan terjadi atau terealisasi. Untuk commitments, the maximum exposure to
komitmen kredit, eksposur maksimum credit risk is equal to total amount of the
atas risiko kredit adalah sebesar jumlah undrawn commited credit granted to
fasilitas yang belum ditarik dari nilai customers.
penuh fasilitas kredit yang telah
disepakati (committed) kepada nasabah.
Tabel berikut menyajikan eksposur The following table presents the Bank's
maksimum risiko kredit Bank atas maximum exposure to credit risk on
instrumen keuangan pada laporan posisi financial instruments in the statement of
keuangan (on-balance sheet) dan financial position (on-balance sheet) and
rekening administratif (off-balance sheet), administrative accounts (off-balance
tanpa memperhitungkan agunan yang sheet), without taking into account
dimiliki atau perlindungan kredit lainnya. collateral or other credit enchancement.
2024 2023
Laporan Posisi Keuangan Statement of Financial Position
Giro pada Bank Indonesia 234,891,975,965 233,442,087,888 Current accounts with Bank Indonesia
Giro pada bank lain 55,886,046,531 216,113,532,903 Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 2,649,927,104,595 1,399,970,850,337 and other banks
Efek-efek 2,847,269,591,360 3,182,839,180,000 Marketable securities
Efek-efek yang dibeli dengan Securities purchased under
janji dijual kembali 288,657,110,000 -- resell agreement
Kredit yang diberikan 7,478,034,532,114 7,385,707,867,283 Loans
Pendapatan bunga yang masih
akan diterima 53,347,876,982 80,521,652,797 Interest receivables
Aset lain-lain 125,197,211,698 2,449,163,201 Other assets
Jumlah 13,733,211,449,245 12,501,044,334,409 Total
Rekening Administratif Administrative Accounts
Fasilitas kredit kepada nasabah Unused loan facilities
yang belum digunakan (Catatan 37) 2,337,457,472,020 769,050,862,767 to debtors (Note 37)
Jumlah 2,337,457,472,020 769,050,862,767 Total
b. Analisis konsentrasi risiko kredit b. Analysis of credit risk concentration
Bank mendorong adanya diversifikasi dari The Bank encourages the diversification of
portofolio kreditnya pada berbagai wilayah its loan portfolio in various geographic
geografis, industry, dan produk kredit regions, industries, and credit products in
sebagai upaya untuk meminimalkan risiko an effort to minimize credit risk.
kredit.
97
Page 634
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Tabel di bawah ini adalah konsentrasi The following table is the Bank’s loan
kredit yang diberikan Bank yang concentration which describes loan based
menggambarkan pemberian kredit on economic sector and the intended use
berdasarkan sektor ekonomi dan tujuan of credit.
penggunaan kredit.
Konsentrasi kredit yang diberikan Bank The Bank’s loan concentration based on
berdasarkan sektor ekonomi adalah economic sector are as follows:
sebagai berikut:
2024 2023
Rp % Rp %
Sektor Ekonomi: Economic Sectors:
Real estate, usaha
persewaan dan Real estate leasing services
jasa perusahaan 3,587,390,548,333 47.97 3,977,001,175,656 53.85 and servicing company
Industri pengolahan 1,448,750,650,366 19.37 1,449,000,000,000 19.62 Manufacturing electricity
Rumah tangga 1,363,675,930,481 18.24 451,593,539,089 6.11 Households
Pertanian, perburuan Agriculture, hunting
dan kehutanan 328,218,365,385 4.39 460,914,583,334 6.24 and forestry
Pertambangan 291,420,098,221 3.90 477,058,173,176 6.46 Mining
Perdagangan 199,750,000,000 2.67 -- - Financial intermediaries
Pengangkutan, pergudangan Transportation,warehousing
dan komunikasi 116,796,237,596 1.56 473,263,422,998 6.41 and communication
Perantara keuangan 114,724,964,490 1.53 59,639,149,519 0.81 Financial intermediaries
Lain-lain 27,307,737,242 0.37 37,237,823,511 0.50 Others
Jumlah 7,478,034,532,114 100 7,385,707,867,283 100 Total
Konsentrasi kredit yang diberikan Bank The Bank’s loans concentration by types
berdasarkan jenis penggunaan kredit of the use of loan are as follows:
adalah sebagai berikut:
2024 2023
Rp % Rp %
Jenis penggunaan Types of use
Investasi 5,099,633,637,143 68.00 6,624,475,178,675 89.69 Investment
Modal Kerja 1,014,884,097,910 14.00 309,639,149,519 4.19 Working Capital
Konsumsi 1,363,516,797,061 18.00 451,593,539,089 6.12 Consumer
Jumlah 7,478,034,532,114 100.00 7,385,707,867,283 100.00 Total
c. Analisis risiko kredit c. Credit risk analysis
Aset Keuangan yang Mengalami Financial Assets which Individually
Penurunan Nilai Secara Individual Impaired
Aset keuangan yang mengalami Financial assets which impaired
penurunan nilai secara individual adalah individually are financial assets that are
aset keuangan yang signifikan secara individually significant and have objective
individual dan telah terdapat bukti objektif evidence that an impairment individual has
bahwa penurunan nilai individual telah occurred after the initial recognition of the
terjadi setelah pengakuan awal aset asset.
keuangan tersebut.
Sesuai kebijakan internal Bank, kredit Corresponding to the Bank’s internal
yang ditentukan sebagai signifikan secara policies, a loan is defined as individually
individual adalah kredit yang diberikan significant is a loan given to debtors in
kepada debitur-debitur segmen komersial. commercial segment.
Aset Keuangan yang Tidak Signifikan Financial Assets that is not Significant
Secara Individual dan Penurunan Nilainya Individually is Assessed for Collective
Dinilai Secara Kolektif Impairment
Aset keuangan yang nilainya tidak Financial assets which is not individually
signifikan secara individual adalah kredit significant are loans and receivables given
dan piutang yang diberikan oleh Bank by the Banks to debtors in retail segments,
kepada debitur-debitur segmen ritel yaitu namely debtors Micro and Small
debitur kredit Usaha Mikro dan Kecil Enterprises (SME), consumer financing
98
Page 635
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
(UMK), kredit pembiayaan konsumen loans (including credit co-financing) and
(termasuk kredit pembiayaan bersama), housing loans.
dan kredit kepemilikan dan perbaikan
rumah.
Bank menentukan penurunan nilai aset The Bank determines the impairment of
keuangan yang tidak signifikan secara financial assets that are not significant
individual dan secara kolektif, dengan individually and collectively, by classifying
mengelompokkan aset keuangan tersebut the financial assets based on similar credit
berdasarkan karakteristik risiko yang risk characteristics.
serupa.
Nilai tercatat aset keuangan yang tidak The carrying values of financial assets that
signifikan secara individual dan penurunan are not significant individually and
nilainya dinilai secara kolektif yang telah collectively impaired that has been
jatuh tempo lebih dari 90 (sembilan puluh) overdue for more than 90 (ninety) days as
hari pada tanggal 31 Desember 2024 dan at December 31, 2024 and 2023 are
2023 masing-masing sebesar Rp60,904,461,753 and Rp6,000,416,632
Rp60.904.461.753 dan Rp6.000.416.632. respectively.
Aset Keuangan yang Lewat Jatuh Tempo Financial Assets That are Past Due But
Tetapi Tidak Mengalami Penurunan Nilai Not Impaired
Termasuk dalam aset keuangan yang Included in the financial assets that have
jatuh tempo dan tidak mengalami past due and not impaired are financial
penurunan nilai adalah aset keuangan assets that are not impaired on an
yang tidak mengalami penurunan nilai individual basis and have been
secara individual dan telah dikelompokkan categorized based on similar credit risk
berdasarkan karakteristik risiko yang characteristics, to assess impairment for
serupa, untuk menilai penurunan nilainya losses collectively that have been
secara kolektif atas kerugian yang telah incurred. As at December 31, 2024 and
terjadi. Pada 31 Desember 2024 dan 2023 2023 are nil, each.
masing-masing sebesar nihil.
d. Agunan d. Collateral
Tidak ada aset keuangan dan non- There are no financial and non-financial
keuangan yang diperoleh Bank melalui assets obtained by the Bank through the
pengambilalihan kepemilikan agunan yang acquisition of ownership of collateral which
merupakan jaminan terhadap aset is insurance against financial assets held.
keuangan yang dimiliki.
e. Efek-efek untuk tujuan investasi e. Marketable securities for investment
purposes
Informasi tentang kualitas kredit dari Information about the credit quality of the
eksposur maksimum risiko kredit aset maximum exposure to credit risk of
keuangan untuk tujuan investasi adalah financial assets for investment purposes
sebagai berikut: are as follows:
2024 2023
Surat berharga Pemerintah Government securities
Investment grade 1,082,220,087,084 3,182,839,180,000 Investment grade
Nilai wajar 1,082,220,087,084 3,182,839,180,000 Fair value
Risiko Pasar Market Risk
Risiko pasar (market risk) merupakan risiko Market risk is the risk arising from movement
yang timbul karena adanya pergerakan in market variables (adverse movement) of the
variabel pasar (adverse movement) dari portfolio held by the Bank, which adverse the
portofolio yang dimiliki oleh Bank, yang Bank.
merugikan Bank.
99
Page 636
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
a. Risiko tingkat suku bunga a. Interest rate risk
Komponen utama kewajiban Bank yang The main components of the Bank's
sensitif terhadap pergerakan tingkat suku liabilities which are sensitive to
bunga adalah simpanan nasabah, movements in interest rates are deposit
sedangkan aset Bank yang sensitif from customers, while the Bank’s
adalah obligasi pemerintah, efek-efek sensitive assets are government bonds,
untuk tujuan investasi, dan kredit yang securities for investment purposes, and
diberikan. loans.
ALCO secara berkala memantau ALCO regularly monitors the market
perkembangan pasar dan menyesuaikan developments and adjusts the interest
tingkat suku bunga simpanan dan kredit rates on provided deposits and loans.
yang diberikan.
Bank melakukan pengukuran IRRBB The Bank performs IRRBB (Interest Rate
(Interest Rate Risk in the Banking Book) Risk in the Banking Book) measurements
untuk mengetahui dampak perubahan to determine the impact of changes in
suku bunga terhadap EVE (Economic interest rate on EVE (Economic Value of
Value of Equity) dan NII (Net Interest Equity) and NII (Net Interest Income) by
Income) dengan menghitung gap antara calculating the gap between RSA (Rate
RSA (Rate Sensitive Asset) dan RSL Sensitive Assets) and RSL (Rate
(Rate Sensitive Liabilities). Sensitive Liabilities).
Banking book adalah semua aset Banking book is that all financial
keuangan/posisi lainnya yang tidak assets/other positions that are not
termasuk dalam trading book. Untuk included in trading book. For the
pengukuran risiko suku bunga pada measurement of interest rate risk in the
trading book, Bank menggunakan metode trading book, the Bank uses the standard
standar Bank Indonesia untuk method for the calculation of Bank
perhitungan pelaporan KPMM Bank. Indonesia reporting CAR of the Bank.
Bank menentukan tingkat suku bunga The Bank determines interest rates on
simpanan nasabah berdasarkan kondisi deposits from customers based on
pasar dan persaingan dengan memantau market conditions and competition by
pergerakan tingkat suku bunga acuan monitoring the movement of the reference
dan suku bunga yang ditawarkan oleh rate and interest rates offered by
bank pesaing. Tingkat suku bunga competing banks. Interest rates on
simpanan pada umumnya bervariasi deposits generally vary depending on the
tergantung pada jangka waktu dan duration and amount of savings. The
besarnya simpanan. Tingkat suku bunga interest rates on current and savings
giro dan tabungan bersifat mengambang accounts are floating and reviewed
dan ditinjau secara berkala sesuai periodically in accordance with market
dengan kondisi pasar, sedangkan tingkat conditions, while the time deposit interest
suku bunga deposito berjangka bersifat rate is fixed, according to the time period.
tetap, sesuai dengan jangka waktunya. Credit interest rate is determined by
Tingkat suku bunga kredit ditetapkan adding a certain margin above the Bank's
dengan menambahkan marjin tertentu funding costs (including the financing
atas biaya pendanaan Bank (termasuk costs GWM).
biaya pendanaan GWM).
Risiko tingkat suku bunga arus kas Interest rate risk of cash flow is the risk
adalah risiko dimana arus kas masa that the future cash flows of a financial
depan dari suatu instrumen keuangan instrument fluctuate because of changes
berfluktuasi karena perubahan suku in market interest rates. Fair value
bunga pasar. Risiko nilai wajar suku interest rate risk is the risk that the fair
bunga adalah risiko dimana nilai wajar value of a financial instrument fluctuated
dari suatu instrumen keuangan because of changes in market interest
berfluktuasi karena perubahan suku rates. The Bank has exposure to
100
Page 637
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
bunga pasar. Bank memiliki eksposur fluctuations in market interest rates, either
terhadap fluktuasi tingkat suku bunga over fair value or cash flow risk.
pasar yang berlaku, baik atas risiko nilai
wajar maupun arus kas.
Tabel berikut merangkum aset dan The following table summarizes the
liabilitas keuangan Bank (tidak untuk Bank's assets and financial liabilities (that
tujuan diperdagangkan) pada nilai are not for trading purposes) in carrying
tercatat, yang dikelompokkan menurut amount, classified according to which is
mana yang lebih awal antara tanggal the earlier of the date of repricing or
repricing atau tanggal jatuh tempo contractual maturity date.
kontraktual.
2024
Suku Bunga Mengambang/
Floating Interest Rate Suku Bunga Tetap/Fixed Interest Rate
> 3 bulan -
1 tahun/
< 3 bulan/ > 3 bulan/ < 3 bulan/ > 3 month - > 1 tahun/
< 3 months > 3 months < 3 months 1 year > 1 year
ASET KEUANGAN FINANCIAL ASSETS
Current account with
Giro pada Bank Indonesia 234,891,975,965 -- -- -- -- Bank Indonesia
-- -- -- Current account with
Giro pada bank lain 55,886,046,531 -- other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain -- -- 2,649,927,104,595 -- -- and other banks
Efek-efek -- -- -- -- 2,847,269,591,360 Marketable securities
Kredit yang diberikan 340,891,668,107 5,890,747,808,889 104,679,923,418 347,999,942,189 793,715,189,511 Loans
Jumlah aset keuangan 631,669,690,603 5,890,747,808,889 2,754,607,028,013 347,999,942,189 3,640,984,780,871 Total financial assets
LIABILITAS KEUANGAN FINANCIAL LIABILITIES
Simpanan nasabah 778,608,031,516 -- 5,162,265,229,939 151,564,533,040 2,680,242,538 Deposits from customers
Simpanan dari bank lain 5,224,465,439 -- 52 -- -- Deposits from other banks
Jumlah liabilitas keuangan 783,832,496,955 -- 5,162,265,229,991 151,564,533,040 2,680,242,538 Total financial liabilities
Gap repricing suku bunga (152,162,806,352) 5,890,747,808,889 (2,407,658,201,978) 196,435,409,149 3,638,304,538,333 Interest rate repricing gap
2023
Suku Bunga Mengambang/
Floating Interest Rate Suku Bunga Tetap/Fixed Interest Rate
> 3 bulan -
1 tahun/
< 3 bulan/ > 3 bulan/ < 3 bulan/ > 3 month - > 1 tahun/
< 3 months > 3 months < 3 months 1 year > 1 year
ASET KEUANGAN FINANCIAL ASSETS
Current account with
Giro pada Bank Indonesia 233,442,087,888 -- -- -- -- Bank Indonesia
Current account with
Giro pada bank lain 216,113,532,903 -- -- -- -- other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain -- -- 2,649,927,104,595 -- -- and other banks
Efek-efek -- -- -- -- 3,182,839,180,000 Marketable securities
Kredit yang diberikan 379,587,442,573 7,005,753,598,017 -- 230,154,161 136,672,532 Loans
Jumlah aset keuangan 829,143,063,364 7,005,753,598,017 2,649,927,104,595 230,154,161 3,182,975,852,532 Total financial assets
LIABILITAS KEUANGAN FINANCIAL LIABILITIES
Simpanan nasabah 513,300,662,751 -- 4,338,140,905,525 46,999,311,478 225,211,565 Deposits from customers
Simpanan dari bank lain -- -- 45,000,037,389 -- -- Deposits from other banks
Jumlah liabilitas keuangan 513,300,662,751 -- 4,383,140,942,914 46,999,311,478 225,211,565 Total financial liabilities
Gap repricing suku bunga 315,842,400,613 7,005,753,598,017 (1,733,213,838,319) (46,769,157,317) 3,182,750,640,967 Interest rate repricing gap
b. Analisis sensitivitas b. Sensitivity analysis
Berdasarkan laporan repricing gap, Bank Based on repricing gap report, the Bank
melakukan analisis sensitivitas terhadap conducts a sensitivity analysis to each
setiap perubahan (naik atau turun) suku interest rate change (increase or
bunga secara paralel sebesar 1% (satu decrease) in parallel of 1% (one percent),
persen), dengan asumsi: with the following assumptions:
• Perubahan suku bunga komponen • The changes in interest rates on asset
aset sama besar dengan perubahan components equal to the liability
suku bunga komponen liabilitas; dan component changes in interest rates;
and
• Perubahan yang sama besar untuk • The simillar changes for each length of
setiap jangka waktu pada yield curve time on the yield curve (parallel yield
(parallel yield curve movement). curve movement).
101
Page 638
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Analisis sensitivitas ini dilakukan secara This sensitivity analysis was carried out on
berkala setiap bulan untuk kepentingan a regular basis every month for the benefit
ALCO. Tabel berikut menunjukkan of ALCO. The following table shows the
sensitivitas atas kemungkinan perubahan sensitivity to the possibility of changes in
tingkat suku bunga pasar, dengan variabel market interest rates, with other variables
lain dianggap tetap, terhadap pendapatan held constant, to the net interest income:
bunga neto:
2024 2023
Penurunan pendapatan bunga neto Decrease on net interest income
karena kenaikan suku bunga 1% due to parallel increase 1%
secara paralel (11,311,000,000) (30,788,000,000) of interest rate
Kenaikan pendapatan bunga neto Increase on net interest income
karena penurunan suku bunga 1% due to parallel decrease 1%
secara paralel 11,311,000,000 30,788,000,000 of interest rate
Bank melakukan pengukuran risiko suku The Bank measures interest rate risk by
bunga dengan menggunakan metodologi using method that can identify interest rate
yang dapat mengidentifikasi risiko suku risk from portfolio of asset and liabilities
bunga dari portofolio aset dan liabilitas that sensitive to the change of interest
yang sensitif terhadap perubahan suku rate.
bunga.
Pemantauan atas eksposur Bank terhadap Monitoring of the Bank’s exposure to
risiko pasar dilakukan oleh Asset and market risk is performed by Asset and
Liability Committee (ALCO) dengan Liability Committee (ALCO) by controlling
melakukan pengendalian (Asset and (Asset and Liability Management (ALMA)
Liability Management (ALMA) atas the market risk exposure in a parameter
eksposur risiko pasar dalam parameter that can be accepted as well as
yang dapat diterima serta memaksimalkan maximizing rate of return of the risk.
tingkat pengembalian atas risiko.
Untuk tahun yang berakhir 31 Desember For the year ended December 31, 2024
2024 dan 2023 profil risiko pasar Bank and 2023 rating of the Bank’s market risk
berada pada peringkat 2 (dua). profile is 2 (two).
c. Excess modal Bank c. The Bank’s excess capital
Perhitungan excess modal Bank dilakukan The calculation of the Bank’s excess
dengan menghitung modal bank secara capital is conducted by calculating the
total dan menguranginya dengan 10,00% Bank’s total capital and reduce with
dari total ATMR (Kredit + Pasar + 10,00% of the total risk weighted assets
Operasional). Excess modal ini yang (RWA) (Credit + Market + Operational).
kemudian dibagi terhadap masing-masing This excess capital is then divided by the
risiko pasar nilai tukar dan suku bunga respective market exchange risk and
untuk melihat berapa besar kemampuan interest rate risk to measure the Bank’s
coverage modal Bank (diluar regulatory capital-coverage-ability (exclude
requirement) apabila terjadi kerugian regulatory requirement) in the event of
sebesar risiko yang telah dihitung. loss of the amount to the risk that has
been calculated
Tabel dibawah ini menunjukkan excess The table below shows the Bank's excess
modal Bank (tidak diaudit) capital (unaudited).
10.00%*Total
Jumlah Modal/ ATMR/ Excess Modal/
Total Capital 10.00%*Total RWA Excess Capital
2024 - Desember 7,188,188,000,000 870,473,275,000 6,317,714,725,000 2024 - December
2023 - Desember 6,918,860,000,000 819,449,198,370 6,099,410,801,630 2023 - December
102
Page 639
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Risiko Likuiditas Liquidity Risk
Risiko likuiditas muncul sebagai akibat dari Liquidity risk arises as a result of the structural
mismatch struktur aset dan liabilitas Bank. mismatch of assets and liabilities of the Bank.
Bank mengelola risiko likuiditas untuk The Bank manages liquidity risk to ensure the
memastikan kemampuan dalam memenuhi ability to meet obligations to customers or
liabilitas kepada nasabah atau pihak lawan counterparty when due by keeping and
yang jatuh tempo dengan menjaga dan maintaining the amount of liquid assets
mempertahankan jumlah aset likuid yang sufficient to pay the deposits from customers, to
cukup untuk membayar simpanan para provide funds for lending, to supply of liquidity
nasabah, penyediaan dana dalam rangka for operations, and to keep the amount of
pemberian kredit, pemenuhan kebutuhan assets that matured in each period can cover
likuiditas operasional, dan menjaga agar the amount of matured liabilities.
jumlah aset yang jatuh tempo pada setiap
periode dapat menutupi jumlah liabilitas yang
jatuh tempo.
Pengelolaan likuiditas Bank dilakukan dengan The Bank's liquidity management is conducted
mengalokasikan penempatan dana pada by allocating the placement of funds in the
Cadangan Utama (Primary Reserve), Primary Reserve, Secondary Reserve, and
Cadangan Sekunder (Secondary Reserve), Tertiary Reserve in accordance with the
dan Cadangan Tertier (Tertiary Reserve) specified criteria and limits. The function of the
sesuai dengan kriteria dan limit yang overall management of liquidity is conducted by
ditetapkan. Fungsi pengelolaan kebutuhan ALCO and operationally by the Treasury
likuiditas secara keseluruhan dilakukan oleh Division.
ALCO dan secara operasional oleh Divisi
Treasuri.
Bank melakukan pengukuran risiko likuiditas The Bank measures liquidity risk using
dengan menggunakan perkiraan arus kas, estimated cash flows, maturity profile, and
maturity profile, dan rasio likuiditas. liquidity risk.
Dalam pengukuran tersebut juga dilakukan The measurements also perform stress testing
stress testing untuk rangka mengetahui tingkat in order to determine the level of Bank's ability
kemampuan Bank dalam menghadapi tekanan in facing liquidity pressures in unusual market
likuiditas pada kondisi pasar yang tidak conditions.
normal.
Untuk mengantisipasi meningkatnya risiko To anticipate the increasing liquidity risk, the
likuiditas, upaya pengelolaan secondary Bank's secondary reserve management is
reserve Bank dilaksanakan dengan lebih hati- undertaken more carefully in line with the Loan
hati sejalan dengan kondisi Loan to Funding to Funding Ratio (LFR) so that the overall
Ratio (LFR) sehingga kondisi likuiditas secara liquidity conditions can be maintained and
keseluruhan dapat tetap terjaga dan controlled.
terkendali.
Untuk tahun yang berakhir 31 Desember 2024 For the year ended December 31, 2024 and
dan 2023, profil risiko likuiditas Bank berada 2023, rating of the Bank’s liquidity risk profile 2
pada peringkat 2 (dua). (two).
103
Page 640
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Tabel berikut menyajikan arus kas kontraktual The following table presents the cash flows
yang tidak didiskontokan dari liabilitas from the contractual undiscounted financial
keuangan dan rekening administratif Bank liabilities and the Bank’s administrative
berdasarkan periode tersisa sampai dengan accounts based on the period remaining until
tanggal jatuh tempo kontraktual. the contractual maturity date.
2024
> 3 bulan -
Sampai dengan 1 tahun/
Nilai tercatat/ 1 bulan/ > 1 - 3 bulan/ > 3 months - > 1 - 5 tahun/
Carrying amount Until 1 month > 1 - 3 months 1 year > 1 - 5 years
Liabilitas Keuangan Financial Liabilities
Simpanan nasabah 6,095,118,037,033 4,805,199,710,003 1,135,673,551,452 151,564,533,040 2,680,242,538 Deposits from customer
Simpanan bank lain 5,224,465,439 5,224,465,439 -- -- -- Deposits from other banks
Efek-efek yang dijual dengan janji Securities sold under
dibeli kembali 286,521,752,188 286,521,752,188 -- -- -- repurchased agreement
Bunga yang masih harus dibayar 15,674,141,519 15,674,141,519 -- -- -- Accrued interests
Jumlah 6,402,538,396,179 5,112,620,069,149 1,135,673,551,452 151,564,533,040 2,680,242,538 Total
Rekening Administratif Administrative Accounts
Fasilitas nasabah yang belum
digunakan 2,337,457,472,020 1,498,387,478,307 -- 152,115,983,932 686,954,009,781 Unused facilities
Jumlah 2,337,457,472,020 1,498,387,478,307 -- 152,115,983,932 686,954,009,781 Total
2023
> 3 bulan -
Sampai dengan 1 tahun/
Nilai tercatat/ 1 bulan/ > 1 - 3 bulan/ > 3 months - > 1 - 5 tahun/
Carrying amount Until 1 month > 1 - 3 months 1 year > 1 - 5 years
Liabilitas Keuangan Financial Liabilities
Simpanan nasabah 4,898,666,091,319 4,015,103,056,098 836,338,512,178 46,999,311,478 225,211,565 Deposits from customer
Simpanan bank lain 45,000,037,389 45,000,037,389 -- -- -- Deposits from other banks
Efek-efek yang dijual dengan janji Securities sold under
dibeli kembali 611,288,163,333 611,288,163,333 -- -- -- repurchased agreement
Bunga yang masih harus dibayar 15,049,164,570 15,049,164,570 -- -- -- Accrued interests
Jumlah 5,570,003,456,611 4,686,440,421,390 836,338,512,178 46,999,311,478 225,211,565 Total
Rekening Administratif Administrative Accounts
Fasilitas nasabah yang belum
digunakan 769,050,862,767 240,361,781,961 16,824,882,986 330,882,240,814 180,981,957,006 Unused facilities
Jumlah 769,050,862,767 240,361,781,961 16,824,882,986 330,882,240,814 180,981,957,006 Total
Tabel analisis likuiditas (sisa jangka waktu Table of liquidity analysis remaining (maturity
jatuh tempo) dari aset dan liabilitas Bank pada time) as at December 31, 2024 and 2023:
tanggal 31 Desember 2024 dan 2023:
2024
Jatuh tempo/Maturity
Sampai
dengan
Saldo/ Lain-lain/ 1 tahun/ 1 - 2 tahun/ 2 - 5 tahun/ > 5 tahun/
Amount Others Until 1 year 1 - 2 years 2 - 5 years > 5 years
ASET KEUANGAN FINANCIAL ASSETS
Kas 1,955,245,700 -- 1,955,245,700 -- -- -- Cash
Current account with
Giro pada Bank Indonesia 234,891,975,965 -- 234,891,975,965 -- -- -- Bank Indonesia
Giro pada bank lain 55,830,160,485 -- 55,830,160,485 -- -- -- Current account with other banks
Penempatan pada Bank Indonesia Placements with Bank
dan bank lain 2,649,927,104,595 -- 2,649,927,104,595 -- -- -- Indonesia and other banks
Efek-efek 2,847,269,591,360 -- 1,764,382,591,360 -- -- 1,082,887,000,000 Marketable securities
Kredit yang diberikan 7,478,034,532,114 -- 2,260,841,541,773 937,198,500,487 3,255,823,851,893 1,024,170,637,961 Loans
Pendapatan bunga yang
masih akan diterima 53,347,876,982 53,347,876,982 -- -- -- -- Interest receivables
Aset lain-lain 2,701,148,126 2,701,148,126 -- -- -- -- Other assets
Jumlah aset 13,323,957,635,327 56,049,025,108 6,967,828,619,878 937,198,500,487 3,255,823,851,893 2,107,057,637,961 Total assets
LIABILITAS KEUANGAN FINANCIAL LIABILITIES
Liabilitas segera 199,060,602,051 -- 199,060,602,051 -- -- -- Obligations due Immediately
Giro 85,335,979,606 -- 85,335,979,606 -- -- -- Current accounts
Tabungan 693,272,051,910 -- 693,272,051,910 -- -- -- Saving deposits
Deposito berjangka 5,316,510,005,517 -- 5,313,829,762,979 2,680,242,538 -- -- Time deposits
Simpanan dari bank lain 5,224,465,439 -- 5,224,465,439 -- -- -- Deposits from other banks
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali 286,521,752,188 -- 286,521,752,188 -- -- -- repurchased agreement
Bunga yang masih harus dibayar 15,674,141,519 -- 15,674,141,519 -- -- -- Accrued interests
Jumlah liabilitas 6,601,598,998,230 -- 6,598,918,755,692 2,680,242,538 -- -- Total liabilities
Jumlah aset (liabilitas) Total financial assets
keuangan - neto 6,722,358,637,097 56,049,025,108 368,909,864,186 934,518,257,949 3,255,823,851,893 2,107,057,637,961 (liabilities) - net
104
Page 641
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2023
Jatuh tempo/Maturity
Sampai
dengan
Saldo/ Lain-lain/ 1 tahun/ 1 - 2 tahun/ 2 - 5 tahun/ > 5 tahun/
Amount Others Until 1 year 1 - 2 years 2 - 5 years > 5 years
ASET KEUANGAN FINANCIAL ASSETS
Kas 3,848,905,800 -- 3,848,905,800 -- -- -- Cash
Current account with
Giro pada Bank Indonesia 233,442,087,888 -- 233,442,087,888 -- -- -- Bank Indonesia
Giro pada bank lain 216,113,532,903 -- 216,113,532,903 -- -- -- Current account with other banks
Penempatan pada Bank Indonesia Placements with Bank
dan bank lain 1,399,970,850,337 -- 1,399,970,850,337 -- -- -- Indonesia and other banks
Efek-efek 3,182,839,180,000 -- -- -- -- 3,182,839,180,000 Marketable securities
Kredit yang diberikan 7,385,707,867,283 -- 701,349,278,114 136,672,532 4,807,043,910,305 1,877,178,006,332 Loans
Pendapatan bunga yang
masih akan diterima 80,521,652,797 80,521,652,797 -- -- -- -- Interest receivables
Aset lain-lain 2,449,163,201 2,449,163,201 -- -- -- -- Other assets
Jumlah aset 12,504,893,240,209 82,970,815,998 2,554,724,655,042 136,672,532 4,807,043,910,305 5,060,017,186,332 Total assets
LIABILITAS KEUANGAN FINANCIAL LIABILITIES
Liabilitas segera 199,060,602,051 -- 199,060,602,051 -- -- -- Obligations due Immediately
Giro 85,335,979,606 -- 85,335,979,606 -- -- -- Current accounts
Tabungan 693,272,051,910 -- 693,272,051,910 -- -- -- Saving deposits
Deposito berjangka 4,385,365,428,568 -- 4,385,140,217,003 225,211,565 -- -- Time deposits
Simpanan dari bank lain 5,224,465,439 -- 5,224,465,439 -- -- -- Deposits from other banks
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali 286,521,752,188 -- 286,521,752,188 -- -- -- repurchased agreement
Bunga yang masih harus dibayar 15,674,141,519 -- 15,674,141,519 -- -- -- Accrued interests
Jumlah liabilitas 5,670,454,421,281 -- 5,670,229,209,716 225,211,565 -- -- Total liabilities
Jumlah aset (liabilitas) Total financial assets
keuangan - neto 6,834,438,818,928 82,970,815,998 (3,115,504,554,674) (88,539,033) 4,807,043,910,305 5,060,017,186,332 (liabilities) - net
Risiko Operasional Operational Risk
Risiko operasional adalah risiko yang Operational risk is the risk which is caused by
disebabkan adanya ketidakcukupan dan/atau insufficiency and/or disfunction of internal
tidak berfungsinya proses internal (kebijakan, process (policy, system and procedure), system
sistem dan prosedur), kesalahan sistem, error, human error, or external problem, which
kesalahan manusia, atau adanya problem influences the Bank’s operation. To minimize
eksternal yang mempengaruhi operasional operational risks in each functional activity, the
Bank. Untuk meminimalisasi risiko operasional Bank formulates policies and procedures and
pada setiap aktivitas fungsional, maka Bank limits that are designated for intensive
menyusun kebijakan dan prosedur serta monitoring of operational losses risk in all
penetapan limit yang ditujukan untuk aspects of the Bank’s operations.
memantau secara intensif kerugian risiko
operasional pada seluruh aspek operasional
Bank.
Untuk tahun yang berakhir 31 Desember 2024 For the year ended December 31, 2024 and
dan 2023, profil risiko operasional Bank 2023, rating of the Bank’s operational risk
masing-masing berada pada peringkat 2 (dua) profile is 2 (two) and 3 (three), respectively.
dan 3 (tiga).
Penerapan Risk and Control Self Assessment Risk and Control Self Assessment (RCSA)
(RCSA) pada seluruh satuan kerja di Bank implementation on all working unit in the Bank
ditujukan untuk membantu satuan kerja is intended to help the working unit as a first
sebagai langkah pertahanan awal (first line of line of defense in identifying and measuring
defense) dalam mengidentifikasi dan operational risk independently on functional
mengukur secara independent risiko activities, monitoring and determining
operasional pada aktivitas fungsionalnya, improvement steps or future action.
melakukan pemantauan dan penetuan
langkah-langkah perbaikan atau rencana
tindak lanjut kedepan.
Satuan Kerja Manajemen Risiko (SKMR) Risk Management Unit (SKMR) as second line
sebagai second line of defense bertanggung of defense responsible on improving and
jawab dalam melakukan pengembangan dan implementing policies/procedures, supervision,
pengimplementasian kebijakan/prosedur, assessment, and monitoring risk management
pengawasan, pengkajian, dan melakukan process as guidance in implementation risk
pemantauan proses manajemen risiko sebagai management and support operational units in
pedoman dalam penerapan manajemen risiko improving the consideration and compliance to
dengan mendukung satuan kerja operasional management risk principle. It is also conducted
105
Page 642
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
dalam mengembangkan kepedulian dan by utilizing the assessment result of the internal
kepatuhan terhadap prinsip-prinsip audit unit (SKAI) on the process implementation
manajemen risiko. Hal itu dilakukan pula consistency and the adequacy of internal
dengan memanfaatkan hasil penilaian control on risk implementation.
terhadap konsistensi pelaksanaan proses dan
kecukupan pengendalian internal dalam
penerapan risiko yang dilakukan oleh Satuan
Kerja Audit Internal (SKAI).
Risiko Lainnya Other Risks
1. Risiko kepatuhan merupakan risiko yang 1. Compliance risk is a risk that arises
disebabkan akibat Bank tidak mematuhi because the Bank does not comply with
ketentuan perundang-undangan yang legislation implementation. The Bank
berlaku. Bank mengelola risiko kepatuhan manages compliance risk by performing a
dengan melakukan penelaahan secara comprehensive review to ensure
komprehensif untuk memastikan comformity with standard operating policy
kesesuaian kebijakan standar operasi dan and procedure and development of new
prosedur serta pengembangan produk product with external regulation.
baru dengan peraturan eksternal. Satuan Compliance unit has implemented
kerja kepatuhan telah melaksanakan assessment, in order to prevent
pengkajian dalam rangka mencegah irregularities to the applicable legislation
penyimpangan terhadap peraturan and the other regulation, including:
perundangan-undangan dan ketentuan
lain yang berlaku meliputi tindakan:
• Mewujudkan terlaksananya budaya • Realizing the implementation of
kepatuhan pada semua tingkatan compliance culture in all organization
organisasi dan kegiatan usaha Bank; and business level in the Bank;
• Mengelola risiko kepatuhan yang • Managing compliance risks that faced
dihadapi oleh Bank, tindakan by the Bank, compliance risk
mengelola risiko kepatuhan management actions implemented by
dilaksanakan dengan mengacu pada referring to Bank Indonesia’s regulation
ketentuan Bank Indonesia mengenai regarding risk management for
manajemen risiko bagi bank umum; commercial banks;
• Memastikan kepatuhan Bank terhadap • Ensuring the Bank's compliance with
komitmen yang dibuat oleh Bank the commitments made by the Bank to
kepada Otoritas Jasa Keuangan (OJK) the Financial Services Authority (OJK)
dan atau otoritas pengawas lain yang and/or other supervisory authority.
berwenang.
Untuk tahun-tahun yang berakhir 31 For the years ended December 31, 2024
Desember 2024 dan 2023, profil risiko and 2023, rating of the Bank’s compliance
kepatuhan Bank berada pada peringkat 2 risk profile are 2 (two).
(dua).
2. Risiko hukum adalah risiko yang 2. Legal risk is a risk which is caused by
disebabkan oleh adanya kelemahan aspek the weakness of juridical aspect, such as
yuridis, yang antara lain berupa tuntutan lawsuits, lack of supporting legislation or
hukum, ketiadaan peraturan perundang- the weakness in engagement as
undangan yang mendukung atau unfulfillment of legitimate contract terms and
kelemahan perikatan seperti tidak imperfect binding collateral.
terpenuhinya syarat sah kontrak dan
pengikatan agunan yang tidak sempurna.
Bank mengelola risiko hukum dengan The Bank manages legal risk by ensuring
memastikan seluruh aktivitas dan all activities and relationship of business
hubungan kegiatan usaha Bank dengan activities of the Bank with third parties
pihak ketiga didasarkan pada aturan dan based on the regulation and requirements
persyaratan yang dapat melindungi that can protect the Bank in terms of the
kepentingan Bank dari segi hukum melalui: law through:
106
Page 643
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
• Peninjauan secara berkala dengan • Periodic reviews to ensure that all
memastikan seluruh aktivitas dan activities and relationship of business
hubungan kegiatan usaha Bank activities of the Bank with third parties
dengan pihak ketiga didasarkan pada based on the rules and requirements
aturan dan persyaratan yang dapat that can protect the interests of the
melindungi kepentingan Bank dari segi Bank in terms of the law;
hukum;
• Pengembangan budaya kepatuhan • Development of compliance culture
dan kepedulian terhadap risiko hukum and awareness to legal risks to all
kepada seluruh pegawai pada setiap employees at every level of the
jenjang organisasi secara organization sustainably.
berkelanjutan.
Untuk tahun-tahun yang berakhir 31 For the years ended December 31, 2024
Desember 2024 dan 2023, profil hukum and 2023, rating of the Bank’s legal risk
Bank berada pada peringkat 2 (dua). profile is 2 (two).
3. Risiko reputasi adalah risiko yang antara 3. Reputation risk is a risk that caused by
lain disebabkan oleh adanya publikasi negative publicity related to the business
negatif yang terkait dengan kegiatan usaha activities of the Bank or negative
Bank atau persepsi negatif terhadap Bank. perceptions to the Bank. Reputation risk
Identifikasi risiko reputasi dilakukan pada identification performed on the factor of
faktor-faktor risiko yang melekat pada inherent risk in the functional activities that
aktivitas fungsional yang mencakup include transparency (disclosure
keterbukaan (disclosure requirement), requirement), customer complaints to the
keluhan nasabah terhadap pelayanan Bank’s services, behavior of the Bank's
Bank, perilaku karyawan Bank dalam employees in serving customers and
melayani nasabah dan sistem komunikasi communication systems of the Bank and
Bank serta seluruh aktivitas perbankan. the whole banking system.
Untuk tahun-tahun yang berakhir For the years ended December 31, 2024
31 Desember 2024 dan 2023, profil risiko and 2023, rating of the Bank’s reputation
reputasi Bank berada pada peringkat 2 risk profile is 2 (two).
(dua).
4. Risiko strategis adalah risiko antara lain 4. Strategic risk is the risk caused by the
disebabkan adanya penetapan dan establishment and implementation from
pelaksanaan strategi Bank yang tidak inaccurate Bank's strategy, business plan
tepat, pengambilan keputusan rencana decision-making that is not fixed or lack of
bisnis yang tidak tetap atau kurang the Bank’s responsiveness to external
responsifnya Bank terhadap perubahan changes. Management of strategic risk
eksternal. Pengelolaan risiko strategis through the consideration and decision-
melalui proses pertimbangan dan making process of each policy collectively
pengambilan keputusan setiap kebijakan and comprehensively by the Board of
secara kolektif dan komprehensif oleh Directors and Committees that have been
Direksi dan Komite-komite yang telah set up and monitoring the realization of
dibentuk serta memantau realisasi strategic plan by comparing the target to be
rencana strategis dengan achieved and ensure that the risk that
membandingkan target yang akan dicapai retrieved is still within tolerance limit.
dan memastikan bahwa risiko yang akan
diambil masih dalam batas toleransi.
Untuk tahun-tahun yang berakhir For the years ended December 31, 2024
31 Desember 2024 dan 2023, profil risiko and 2023, rating of the Bank’s strategic risk
strategis Bank berada pada peringkat profile is 2 (two).
2 (dua).
107
Page 644
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
41. Aset Dan Liabilitas Keuangan 41. Financial Assets And Liabilities
2024
Aset keuangan
pada nilai wajar
melalui
penghasilan
Aset keuangan komprehensif
pada nilai wajar Aset keuangan lain/ Liabilitas
melalui pada biaya Financial keuangan
laba atau rugi/ perolehan assets diamortisasi/ Jumlah nilai
Financial assets diamortisasi/ at fair value Financial tercatat/ Jumlah nilai
at fair value Financial through other liabilities Total wajar/
through assets comprehensive at amortized carrying Total fair
profit or loss at amortized cost income cost amount value
Aset Assets
Kas -- 1,955,245,700 -- -- 1,955,245,700 1,955,245,700 Cash
Current account with
Giro pada Bank Indonesia -- 234,891,975,965 -- -- 234,891,975,965 234,891,975,965 Bank Indonesia
Current account with
Giro pada bank lain -- 55,886,046,531 -- -- 55,886,046,531 55,886,046,531 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan Bank lain -- 2,649,927,104,595 -- -- 2,649,927,104,595 2,649,927,104,595 and other banks
Efek-efek: Marketable securities:
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain -- -- 2,847,269,591,360 -- 2,847,269,591,360 2,847,269,591,360 comprehensive income
Efek-efek yang dibeli dengan janji Securities purchased under
dijual kembali -- 288,657,110,000 -- -- 288,657,110,000 288,657,110,000 agreement to resell
Kredit yang diberikan -- 7,478,034,532,114 -- -- 7,478,034,532,114 7,478,034,532,114 Loans
Pendapatan bunga yang
masih akan diterima -- 53,347,876,982 -- -- 53,347,876,982 53,347,876,982 Interest receivables
Aset lain-lain -- 125,197,211,698 -- -- 125,197,211,698 125,197,211,698 Other assets
Jumlah aset keuangan -- 10,887,897,103,585 2,847,269,591,360 -- 13,735,166,694,945 13,735,166,694,945 Total financial assets
Liabilitas Liabilities
Liabilitas segera -- -- -- 199,060,602,051 199,060,602,051 199,060,602,051 Obligations due immediately
Simpanan nasabah: Deposits from customers:
Giro -- -- -- 85,335,979,606 85,335,979,606 85,335,979,606 Current accounts
Tabungan -- -- -- 693,272,051,910 693,272,051,910 693,272,051,910 Savings deposits
Deposito -- -- -- 5,316,510,005,517 5,316,510,005,517 5,316,510,005,517 Time deposits
Simpanan dari bank lain -- -- -- 5,224,465,439 5,224,465,439 5,224,465,439 Deposits from other bank
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali -- -- 286,521,752,188 -- 286,521,752,188 286,521,752,188 repurchased agreement
Bunga yang masih harus
dibayar -- -- -- 15,674,141,519 15,674,141,519 15,674,141,519 Accrued interests
Liabilitas lain-lain -- -- -- 49,160,355,646 49,160,355,646 49,160,355,646 Other liabilities
Jumlah liabilitas keuangan -- -- 286,521,752,188 6,364,237,601,688 6,650,759,353,876 6,650,759,353,876 Total financial liabilities
2023
Aset keuangan
pada nilai wajar
melalui
penghasilan
Aset keuangan komprehensif
pada nilai wajar Aset keuangan lain/ Liabilitas
melalui pada biaya Financial keuangan
laba atau rugi/ perolehan assets diamortisasi/ Jumlah nilai
Financial assets diamortisasi/ at fair value Financial tercatat/ Jumlah nilai
at fair value Financial through other liabilities Total wajar/
through assets comprehensive at amortized carrying Total fair
profit or loss at amortized cost income cost amount value
Aset Assets
Kas -- 3,848,905,800 -- -- 3,848,905,800 3,848,905,800 Cash
Current account with
Giro pada Bank Indonesia -- 233,442,087,888 -- -- 233,442,087,888 233,442,087,888 Bank Indonesia
Current account with
Giro pada bank lain -- 216,113,532,903 -- -- 216,113,532,903 216,113,532,903 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan Bank lain -- 1,399,970,850,337 -- -- 1,399,970,850,337 1,399,970,850,337 and other banks
Efek-efek: Marketable securities:
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain -- -- 3,182,839,180,000 -- 3,182,839,180,000 3,182,839,180,000 comprehensive income
Efek-efek yang dibeli dengan janji Securities purchased under
dijual kembali -- -- -- -- -- -- agreement to resell
Kredit yang diberikan -- 7,385,707,867,283 -- -- 7,385,707,867,283 7,385,707,867,283 Loans
Pendapatan bunga yang
masih akan diterima -- 80,521,652,797 -- -- 80,521,652,797 80,521,652,797 Interest receivables
Aset lain-lain -- 22,475,722,354 -- -- 22,475,722,354 22,475,722,354 Other assets
Jumlah aset keuangan -- 9,342,080,619,362 3,182,839,180,000 -- 12,524,919,799,362 12,524,919,799,362 Total financial assets
Liabilitas Liabilities
Liabilitas segera -- -- -- 185,136,203,393 185,136,203,393 185,136,203,393 Obligations due immediately
Simpanan nasabah: Deposits from customers:
Giro -- -- -- 48,190,454,891 48,190,454,891 48,190,454,891 Current accounts
Tabungan -- -- -- 465,110,207,860 465,110,207,860 465,110,207,860 Savings deposits
Deposito -- -- -- 4,385,365,428,568 4,385,365,428,568 4,385,365,428,568 Time deposits
Simpanan dari bank lain -- -- -- 45,000,037,389 45,000,037,389 45,000,037,389 Deposits from other bank
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali -- -- 611,288,163,333 -- 611,288,163,333 611,288,163,333 repurchased agreement
Bunga yang masih harus
dibayar -- -- -- 15,049,163,570 15,049,163,570 15,049,163,570 Accrued interests
Liabilitas lain-lain -- -- -- 49,876,667,494 49,876,667,494 49,876,667,494 Other liabilities
Jumlah liabilitas keuangan -- -- 611,288,163,333 5,193,728,163,165 5,805,016,326,498 5,805,016,326,498 Total financial liabilities
108
Page 645
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Nilai wajar aset keuangan dan liabilitas The fair values of the above financial assets
keuangan di atas diukur dengan dasar sebagai and liabilities are determined based on the
berikut: following:
Aset keuangan Financial assets
Nilai wajar aset keuangan lancar (umumnya The fair values of financial assets that are
kurang dari satu tahun) seperti giro pada short-term in nature (generally less than one
Bank Indonesia dan bank lain, penempatan year) such as current accounts with Bank
pada Bank Indonesia dan bank lain, Indonesia and other banks, placements with
pendapatan bunga yang masih akan diterima Bank Indonesia and other banks, interest
dan aset lain-lain adalah sebesar nilai tercatat receivables and other assets represent their
karena nilai tercatat tersebut telah mendekati carrying amounts as these approximates their
estimasi nilai wajarnya. estimated fair values.
Estimasi nilai wajar kredit yang diberikan The estimated fair value of loans (normally
(umumnya kredit dengan bunga floating interest bearing loans) represents the
mengambang) merupakan nilai kini dari present value amount of estimated future cash
estimasi arus kas masa depan yang flows expected to be received discounted at
diharapkan akan diterima yang didiskontokan current market rates.
pada suku bunga pasar.
Nilai wajar untuk surat berharga hingga jatuh The fair values of marketable securities are
tempo ditetapkan berdasarkan harga pasar based on the market prices or broker/dealer
atau harga kuotasi perantara price quotations. When this information is not
(broker)/pedagang efek (dealer). Jika available, the fair value is estimated using
informasi ini tidak tersedia, nilai wajar quoted market prices for securities with similar
diestimasi dengan menggunakan harga pasar credit, maturity and yield characteristics.
kuotasi efek yang memiliki karakteristik kredit,
jatuh tempo dan yield yang serupa.
Liabilitas keuangan Financial liabilities
Nilai wajar liabilitas keuangan lancar The fair values of financial liabilities that are
(biasanya kurang dari satu tahun) seperti short-term in nature (generally less than one
efek-efek yang dijual dengan janji dibeli year) such as securities sold under
kembali, simpanan nasabah dan bank lain, repurchased agreement, deposits from
bunga yang masih harus dibayar dan liabilitas customers and other banks, accrued interests
lain-lain adalah sebesar nilai tercatat karena and other liabilities represent their carrying
nilai tercatat tersebut telah mendekati estimasi amounts as these approximates their estimated
nilai wajarnya. fair values.
Estimasi nilai wajar simpanan tanpa jatuh The estimated fair value of deposits with no
tempo adalah sebesar jumlah terutang ketika stated maturity is equal to the amount owed
utang tersebut harus segera dibayar pada saat when the debt must be paid at the time billed.
ditagih.
Hierarki nilai wajar Fair value hierarchy
PSAK 113, Pengukuran nilai wajar PSAK 113, Fair Value Measurements requires
mensyaratkan pengungkapan atas disclosure of fair value measurements by level
pengukuran nilai wajar dengan tingkat hierarki with the following fair value measurement
nilai wajar sebagai berikut: hierarchy:
• harga kuotasian (tidak disesuaikan) dalam • quoted prices (unadjusted) in active
pasar aktif untuk aset atau liabilitas yang markets for identical assets or liabilities
identik (tingkat 1); (level 1);
109
Page 646
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
• input selain harga kuotasian yang • inputs other than quoted prices included
termasuk dalam tingkat 1 yang dapat within level 1 that are observable for the
diobservasi untuk aset atau liabilitas, asset or liability, either directly (as prices)
baik secara langsung (misalnya harga) or indirectly (as derived from prices)
atau secara tidak langsung (misalnya (level 2); and
derivasi dari harga) (tingkat 2); dan
• input untuk aset atau liabilitas yang bukan • inputs for the asset or liability that are
berdasarkan data pasar yang dapat not based on observable market data
diobservasi (input yang tidak dapat (unobservable inputs) (level 3).
diobservasi) (tingkat 3).
Tabel di bawah ini menyajikan instrumen The tables below set out the fair value of
keuangan yang diakui pada nilai wajar yang financial instruments grouped according to
dikelompokkan berdasarkan hierarki nilai the fair value hierarcy.
wajar.
2024
Jumlah tercatat/
Total carrying Level 1/ Level 2/ Jumlah/
amount Level 1 Level 2 Total
Aset Assets
Kas 1,955,245,700 -- 1,955,245,700 1,955,245,700 Cash
Giro pada Current accounts with
Bank Indonesia 234,891,975,965 -- 234,891,975,965 234,891,975,965 Bank Indonesia
Current accounts with
Giro pada bank lain 55,886,046,531 -- 55,886,046,531 55,886,046,531 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 2,649,927,104,595 -- 2,649,927,104,595 2,649,927,104,595 and other banks
Efek-efek: Marketable securities:
Nilai wajar Amortized cost
melalui penghasilan Fair value through other
komprehensif lain 2,847,269,591,360 2,847,269,591,360 -- 2,847,269,591,360 comprehensive income
Efek-efek yang dibeli dengan Securities purchased
janji dijual kembali 288,657,110,000 288,657,110,000 -- 288,657,110,000 under agreement to resell
Kredit yang diberikan 7,478,034,532,114 -- 7,478,034,532,114 7,478,034,532,114 Loans
Pendapatan bunga yang
masih akan diterima 53,347,876,982 -- 53,347,876,982 53,347,876,982 Interest receivables
Aset lain-lain 125,197,211,698 -- 125,197,211,698 125,197,211,698 Other assets
Jumlah aset keuangan 13,735,166,694,945 3,135,926,701,360 10,599,239,993,585 13,735,166,694,945 Total financial assets
Liabilitas Liabilities
Liabilitas segera 199,060,602,051 -- 199,060,602,051 199,060,602,051 Obligations due immediately
Simpanan nasabah 6,095,118,037,033 -- 6,095,118,037,033 6,095,118,037,033 Deposits from customers
Simpanan dari bank lain 5,224,465,491 -- 5,224,465,491 5,224,465,491 Deposits from other banks
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali 286,521,752,188 -- 286,521,752,188 286,521,752,188 repurchased agreement
Bunga yang masih harus
dibayar 15,674,141,519 -- 15,674,141,519 15,674,141,519 Accrued interests
Liabilitas lain-lain 49,160,355,594 -- 49,160,355,594 49,160,355,594 Other liabilities
Jumlah liabilitas
keuangan 6,650,759,353,876 -- 6,650,759,353,876 6,650,759,353,876 Total financial liabilities
110
Page 647
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2023
Jumlah tercatat/
Total carrying Level 1/ Level 2/ Jumlah/
amount Level 1 Level 2 Total
Aset Assets
Kas 3,848,905,800 -- 3,848,905,800 3,848,905,800 Cash
Giro pada Current accounts with
Bank Indonesia 233,442,087,888 -- 233,442,087,888 233,442,087,888 Bank Indonesia
Current accounts with
Giro pada bank lain 216,113,532,903 -- 216,113,532,903 216,113,532,903 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 1,399,970,850,337 -- 1,399,970,850,337 1,399,970,850,337 and other banks
Efek-efek: Marketable securities:
Nilai wajar Amortized cost
melalui penghasilan Fair value through other
komprehensif lain 3,182,839,180,000 3,182,839,180,000 -- 3,182,839,180,000 comprehensive income
Kredit yang diberikan 7,385,707,867,283 -- 7,385,707,867,283 7,385,707,867,283 Loans
Pendapatan bunga yang
masih akan diterima 80,521,652,797 -- 80,521,652,797 80,521,652,797 Interest receivables
Aset lain-lain 2,449,163,201 -- 2,449,163,201 2,449,163,201 Other assets
Jumlah aset keuangan 12,504,893,240,208 3,182,839,180,000 9,322,054,060,209 12,504,893,240,208 Total financial assets
Liabilitas Liabilities
Liabilitas segera 185,136,203,393 -- 185,136,203,393 185,136,203,393 Obligations due immediately
Simpanan nasabah 4,898,666,091,319 -- 4,898,666,091,319 4,898,666,091,319 Deposits from customers
Simpanan dari bank lain 45,000,037,389 -- 45,000,037,389 45,000,037,389 Deposits from other banks
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali 611,288,163,333 -- 611,288,163,333 611,288,163,333 repurchased agreement
Bunga yang masih harus
dibayar 15,049,164,570 -- 15,049,164,570 15,049,164,570 Accrued interests
Liabilitas lain-lain 49,876,667,494 -- 49,876,667,494 49,876,667,494 Other liabilities
Jumlah liabilitas
keuangan 5,805,016,327,498 -- 5,805,016,327,498 5,805,016,327,498 Total financial liabilities
Tidak terdapat pengalihan antara tingkat 1 There are no transfers between levels 1 and 2
dan 2 selama tahun berjalan. during the year.
Nilai wajar untuk instrumen keuangan yang The fair value of financial instruments traded in
diperdagangkan di pasar aktif ditentukan active markets is based on quoted market
berdasarkan kuotasi nilai pasar pada tanggal prices at the reporting date.
pelaporan.
Nilai wajar instrumen keuangan yang tidak The fair value of financial instruments that are
diperdagangkan di pasar aktif ditentukan not traded in an active market is determined
dengan menggunakan teknik penilaian using specific valuation techniques. These
tertentu. Teknik tersebut menggunakan data valuation techniques use the observable market
pasar yang dapat diobservasi sepanjang data where it is available and rely as little as
tersedia dan seminimal mungkin mengacu possible on estimates. If all significant inputs of
pada estimasi. Apabila seluruh input signifikan fair value are observable, these financial
atas nilai wajar dapat diobservasi, instrumen instruments are included in level 2.
keuangan ini termasuk dalam tingkat 2.
Teknik penilaian tertentu digunakan untuk Specific valuation techniques used to determine
menentukan nilai instrumen keuangan the financial instruments value include of:
mencakup:
• penggunaan kuotasi harga pasar atau diler • the use of quoted market prices or dealer
untuk instrumen sejenis; dan quotes for similar instruments; and
• teknik lain, seperti analisis arus kas • other techniques, such as discounted cash
diskonto, digunakan untuk menentukan flows analysis, are used to determine fair
nilai wajar instrumen keuangan lainnya. value for the remaining financial
instruments.
111
Page 648
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
42. Manajemen Modal dan Rasio Liabilitas 42. Capital Management and Minimum
Penyediaan Modal Minimum (CAR) Required Capital Adequacy Ratio (CAR)
Dalam pengelolaan modal, Bank diwajibkan In capital management, the Bank is required to
untuk menjaga dan menguatkan posisi modal maintain and strengthen the capital position
yang mendukung pertumbuhan bisnis serta that supports business growth and maintains
menjaga kepercayaan investor, deposan, the confidence of investors, depositors,
pelanggan, dan pasar sebagaimana tercermin customers and the market as reflected in the
dari implementasi POJK No.11/POJK/03/2016 implementation of POJK No.11/POJK/03/2016
tentang Kewajiban Penyediaan Modal regarding Minimum Capital Adequacy
Minimum untuk Bank Umum sebagaimana Requirement for Commercial Banks as latest
diubah terakhir kali melalui POJK No. 27 tahun amended with POJK No. 27 year 2022 is
2022 diungkapkan pada Catatan 45g. disclosed in Note 45g.
43. Analisis Kualitas Kredit 43. Credit Quality Analysis
Pengukuran Kerugian Kredit Ekspektasian Measurement of Expected Credit Losses
Peningkatan Risiko Kredit secara Signifikan Significant Increase in Credit Risk
Ketika menentukan apakah risiko gagal bayar When determining whether the risk of default
pada instrumen keuangan telah meningkat on financial instruments has increased
secara signifikan sejak pengakuan awal, Bank significantly since initial recognition, the Bank
mempertimbangkan informasi yang wajar dan considers reasonable and supported relevant
terdukung, serta relevan yang tersedia tanpa information that is available without excessive
biaya atau upaya yang berlebihan. Hal tersebut costs or efforts. This includes quantitative and
mencakup informasi dan analisa kuantitatif dan qualitative information and analysis, based on
kualitatif, berdasarkan pada pengalaman historical experience and credit expert
historis dan penilaian pakar kredit dan assessments and including forward-looking
termasuk perkiraan masa depan forward- estimates.
looking.
Tujuan dari penilaian ini adalah untuk The purpose of this assessment is to identify
mengidentifikasi apakah peningkatan risiko whether a significant increase in credit risk of
kredit secara signifikan atas eksposur telah exposure has occurred by comparing:
terjadi dengan membandingkan:
• Probability of default (PD) atas umur tersisa • Probability of default (PD) for the remaining
pada tanggal pelaporan; dengan age at the reporting date; with
• Probability of default (PD) atas umur tersisa • Probability of default (PD) for the estimated
yang di estimasi pada saat pengakuan awal remaining age at initial recognition of the
eksposur (jika relevan, disesuaikan dengan exposure (if relevant, adjusted for change in
perubahan ekspektasi pembayaran di expectations of prepayment).
muka).
Bank menggunakan kriteria berikut dalam Bank use these criteria for determining whether
menentukan apakah peningkatan risiko kredit there has been a significant increase in credit:
secara signifikan atas eksposur telah terjadi:
• pengujian kuantitatif berdasarkan perubahan • quantitative test based on movement in
probability of default (PD); probability of default (PD);
• indikator kualitatif; • qualitative indicators;
• tertunggak lebih dari 30 hari. • a backstop of 30 days past due.
Credit Risk Grades Credit Risk Grades
Bank mengalokasikan setiap eksposur ke credit The bank allocated each exposure to credit risk
risk grades berdasarkan variasi data yang grades based on a variety of data that is
ditentukan untuk memprediksi risiko gagal determined to predict the risk of default and
bayar dan menerapkan pengalaman atas kredit. apply credit experience judgement. Credit risk
Credit risk grades ditetapkan menggunakan grades are determined using qualitative and
112
Page 649
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
faktor kualitatif dan kuantitatif yang dapat quantitative factors that can indicate the risk of
mengindikasikan risiko gagal bayar. Faktor- default. These factors vary depending on the
faktor ini bervariasi tergantung pada sifat nature of the exposure and the type of
eksposur dan jenis peminjam. borrower.
Credit risk grades ditetapkan dan dikalibrasi Credit risk grades are determined and calibrated
sedemikian rupa sehingga risiko terjadinya in such a way that the risk of default is
gagal bayar meningkat secara eksponensial increasing exponentially as credit risk rating
seiring dengan penurunan rating risiko kredit, decreases, for example, the difference between
sebagai contoh, selisih antara credit risk rating credit risk rating grades 1 and 2 is smaller than
grades 1 dan 2 lebih kecil dari pada selisih the difference between credit risk rating grades
antara credit risk rating grades 2 dan 3. 2 and 3.
Setiap eksposur dialokasikan ke credit risk Each exposure is allocated to credit risk grades
grades pada pengakuan awal berdasarkan at initial recognition based on available
informasi yang tersedia tentang peminjam. information about the borrower. This exposure is
Eksposur ini dipantau secara berkelanjutan, monitored on an ongoing basis, and can result in
dan dapat mengakibatkan eksposur the exposure being transferred to different credit
dipindahkan ke credit risk grades yang risk grades. Monitoring usually uses the
berbeda. Pemantauan biasanya menggunakan following data: financial statements, use of credit
data berikut: laporan keuangan, penggunaan facilities, estimates of economic conditions.
fasilitas kredit, estimasi kondisi ekonomi.
Penentuan Struktur Probability of Default Determination of the Probability of Default
Structure
Credit risk grades adalah input utama dalam Credit risk grades are the main input in
penentuan struktur PD term structure atas determining the PD term structure of the
eksposur. Bank mengumpulkan informasi exposure. The Bank collects performance and
kinerja dan gagal bayar tentang eksposur risiko default information about credit risk exposures,
kredit yang dianalisa berdasarkan jenis produk which are analyzed by product and borrower
dan peminjam serta penilaian risiko kredit. type as well as credit risk assessment. For some
Untuk beberapa portofolio terutama produk portfolios especially treasury products,
treasury, informasi yang dibeli dari penilai information purchased from external credit
kredit eksternal juga digunakan. assessors is also used.
Bank menggunakan model statistik untuk The Bank uses a statistical model to analyze the
menganalisa data yang dikumpulkan dan collected data and produce an estimate of the
menghasilkan perkiraan probability of default probability of default (PD) for the remaining life
(PD) atas umur tersisa dan bagaimana hal ini and how this is expected to change as a result
diperkirakan akan berubah sebagai akibat dari of the passage of time.
berlalunya waktu.
Analisa ini mencakup identifikasi dan kalibrasi This analysis includes the identification and
hubungan antara perubahan tingkat gagal calibration of the relationship between changes
bayar dan perubahan dalam faktor-faktor in default rates and changes in key
makro ekonomi utama pada risiko gagal bayar. macroeconomic factors on the risk of default.
Untuk sebagian besar eksposur, indikator For most exposures, the main macroeconomic
makro ekonomi utama meliputi: pertumbuhan indicators include: GDP growth, benchmark
PDB, suku bunga acuan, dan tingkat interest rates, and the unemployment rate.
pengangguran.
Penentuan Terjadinya Peningkatan Risiko Determination of Significant Increase in
Kredit secara Signifikan Credit Risk
Bank mempergunakan sejumlah kriteria untuk Bank uses several criteria for determining that
menentukan telah terjadi peningkatan risiko credit risk has increased significantly.
kredit secara signifikan.
113
Page 650
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Kriteria tersebut ditetapkan menggunakan The criteria are determined using qualitative and
faktor kuantitatif dan kualitatif termasuk quantitative factors including determination
penentuan berdasarkan status hari tunggakan based on arrear day status that can indicate
yang dapat mengindikasikan telah terjadi significant increase in credit risk since initial
peningkatan risiko kredit yang signifikan recognition.
terhadap saat awal diberikan.
Bank dimungkinkan menggunakan penilaian The Bank can also use the judgment of credit
dari analis kredit dan pengalaman historis yang analysts and, if possible, relevant historical
relevan, dalam menentukan bahwa eksposur experience, in determining that the exposure
mungkin saja telah mengalami peningkatan may have experienced a significant increase in
risiko kredit yang signifikan berdasarkan credit risk based on certain qualitative indicators
indikator kualitatif tertentu yang dianggap dapat that are considered to indicate this and their
mengindikasikan hal tersebut dimana effects may not be fully reflected in quantitative
pengaruhnya mungkin belum sepenuhnya analysis in a comprehensive manner on a timely
tercermin pada saat dilakukan analisis manner.
kuantitatif.
Bank menentukan bahwa peningkatan resiko The Bank determines that a significant increase
kredit secara signifikan belum terjadi apabila in credit risk has not occurred if it is still less than
masih kurang dari 30 hari tunggakan. Hari 30 days in arrears. Arrear days are determined
tunggakan ditentukan dengan menghitung by counting the number of days from the initial
jumlah hari sejak tanggal jatuh tempo awal due date where full payment has not been
dimana pembayaran penuh belum diterima. received.
Bank memantau efektifitas kriteria yang The Bank monitors the effectiveness of the
digunakan dalam mengidentifikasi peningkatan criteria used in identifying significant increases
risiko kredit yang signifikan dengan cara reviu in credit risk by periodic review.
berkala.
Modifikasi Aset Keuangan Modification of Financial Assets
Ketentuan kontraktual pinjaman dapat Loan contractual terms can be modified for a
dimodifikasi untuk beberapa alasan, termasuk number of reasons, including changes in market
perubahan kondisi pasar, retensi pelanggan conditions, customer retention and other factors
dan faktor-faktor lain yang tidak terkait dengan not related to the current credit decline. Loans
penurunan kredit saat ini. Pinjaman yang with modified contractual terms can cause the
ketentuan kontraktualnya dimodifikasi dapat initial loan to be derecognized and recognized
menyebabkan pinjaman awal dihentikan the modified loan as a new loan at fair value.
pengakuannya dan pinjaman hasil modifikasi
diakui sebagai pinjaman baru pada nilai wajar.
Ketika ketentuan kontraktual pinjaman When the contractual terms of the loan are
dimodifikasi dan tidak mengakibatkan modified and do not result in termination of
penghentian pengakuan, penentuan terjadinya recognition, determining the occurrence of a
peningkatan risiko kredit secara signifikan significant increase in credit risk is done by
dilakukan dengan cara membandingkan: comparing:
• Sisa PD sepanjang umur pada tanggal • PD remainder life at reporting date based
pelaporan berdasarkan ketentuan yang on modified provision; with
dimodifikasi; dengan
• Sisa PD sepanjang umur yang diestimasi • Residual PD throughout the estimated age
berdasarkan data pada saat pengakuan based on data at initial recognition and
awal dan ketentuan kontraktual awal. initial contractual provisions.
Definisi Gagal Bayar (Default) Definition of Failed Payment (Default)
Bank menganggap aset keuangan dalam The Bank considers financial assets as default
keadaan default/gagal bayar ketika: when:
• Debitur telah melewati jatuh tempo lebih • The debtors have past due more than 90
dari 90 hari atas kewajiban kredit material days for any material credit obligations to
apapun kepada Bank. the Bank.
114
Page 651
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Dalam menilai apakah debitur dalam keadaan In assessing whether a debtor is in default, the
default/gagal bayar, Bank mempertimbangkan Bank considers the following indicators
indikator berikut
• Kualitatif seperti pelanggaran persyaratan • Qualitative such as violations of the terms of
penjanjian (covenants); the agreement (covenants);
• Kuantitatif seperti status tunggakan; dan • Quantitative such as arrears status; and
• Berdasarkan data yang dikembangkan • Based on data developed internally and
secara internal dan diperoleh dari sumber obtained from external sources.
eksternal.
Input, Asumsi, dan Teknik yang digunakan Inputs, Assumptions, and Techniques used
dalam mengestimasi penurunan nilai in estimating impairment
Penggunaan informasi perkiraan masa Use of forward-looking information
depan (forward-looking)
Bank menggunakan informasi forward-looking The Bank uses forward-looking information in
dalam menilai apakah telah terjadinya assessing whether there has been a significant
peningkatan risiko kredit secara signifikan dan increase in credit risk and measurement of
pengukuran kerugian kredit ekspektasian. expected credit losses. Based on advice from
Berdasarkan saran dari Komite Manajemen the Risk Management Committee and
Risiko dan pertimbangan berbagai informasi consideration of various actual information and
aktual dan perkiraan eksternal, Bank external forecast, the Bank formulated a base
merumuskan pandangan dasar (base case) case for the movement of relevant economic
tentang pergerakan variabel ekonomi yang variables in future as well as forecasts of other
relevan dimasa depan serta perkiraan possible scenarios. This process involves
skenario lain yang mungkin terjadi. Proses ini developing two or more additional economic
meliputi pengembangan dua atau lebih scenarios and considering the relative
skenario ekonomi tambahan dan probabilities of the possible outputs. External
mempertimbangkan probabilitas relatif dari information includes economic data and
keluaran (output) yang mungkin. Informasi estimateds published by, such as government
eksternal mencakup data ekonomi dan agencies and selected private sector analysts.
perkiraan yang diterbitkan oleh, seperti badan
pemerintah dan analis sektor swasta.
Pandangan dasar (base case) mencerminkan The base case reflects the output with the
keluaran dengan probabilitas yang paling highest probability. Another scenario, reflects
tinggi. Skenario yang lain, mencerminkan more optimistic outputs and more pessimistic
keluaran yang lebih optimis dan keluaran yang outputs.
lebih pesimis.
Skenario ekonomi yang dirumuskan The economic scenario is formulated using the
menggunakan kisaran indikator utama berikut: following range of key indicators:
2024 2025
Tingkat pengangguran/Unemployment Kisaran antara 4.50% hingga 5.50%/Range Kisaran antara 4.50% hingga 5.50%/Range
between 4.50% and 5.50% between 4.50% and 5.50%
Suku bunga/Interest rates Kisaran 5.75% hingga 6.25%/Range Kisaran 4.75% hingga 6.00%/Range
between 5.75% and 6.25% between 4.75% and 6.00%
Inflasi/Inflation rate Kisaran antara 1.50%% hingga 3.50%/Range Kisaran antara 1.50% hingga 3.50%/Range
between 1.50% and 3.50% between 1.50% and 3.50%
Brent Oil Price Kisaran antara USD70 hingga USD95/ Kisaran antara USD70 hingga USD95/
Range between USD70 and USD95 Range between USD70 and USD95
Input utama dalam pengukuran kerugian kredit The main inputs in measuring expected credit
ekspektasian adalah variabel berikut loss are the following variables
• Probability of default (PD); • Probability of default (PD);
• Loss of given default (LGD); • Loss of given default (LGD);
• Exposure at default (EAD). • Exposure at default (EAD).
115
Page 652
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Parameter ini umumnya berasal dari model These parameters generally come from
statistik yang dikembangkan secara internal dan statistical models that are developed internally
data historis lainnya. Parameter ini disesuaikan and other historical data. This parameter is
untuk mencerminkan informasi forward-looking. adjusted to reflect forward-looking information.
Estimasi PD adalah estimasi pada tanggal PD estimation is an estimate on a certain date,
tertentu, yang dihitung berdasarkan model which is calculated based on a statistical ranking
peringkat statistik, dan dinilai menggunakan model, and is assessed using a rating that is
rating yang disesuaikan dengan berbagai adjusted to various categories of debtors and
kategori dari debitur dan eksposur. Model exposures. This statistical model is based on
statistik ini didasarkan pada data yang disusun data compiled internally consisting of
secara internal yang terdiri dari faktor kuantitatif quantitative and qualitative factors.
dan kualitatif.
LGD adalah besarnya kerugian jika terjadi LGD is the amount of loss if there is a default.
gagal bayar. Parameter LGD diestimasi secara LGD parameters are historically estimated
historis berdasarkan tingkat pemulihan atas based on the level of recovery of claims against
klaim terhadap debitur yang gagal bayar. Model debtors who default. The LGD model considers
LGD mempertimbangkan jaminan dan biaya collateral and the cost of recovering any
pemulihan setiap jaminan yang merupakan collateral that is an integral part of a financial
bagian integral dari aset keuangan. asset.
EAD merepresentasikan estimasi eksposur jika EAD represents the estimated exposure in case
terjadi gagal bayar. EAD suatu aset keuangan of default. EAD of a financial asset is the gross
adalah jumlah tercatat bruto. Untuk komitmen carrying amount. For loan commitments and
pinjaman dan jaminan keuangan, EAD financial guarantees, EAD includes the amount
mencakup jumlah yang telah ditarik, serta that has been withdrawn, as well as potential
jumlah potensial di masa depan yang akan future amounts to be withdrawn, which are
ditarik, yang diestimasi berdasarkan estimated based on historical observations and
pengamatan historis dan perkiraan forward- looking estimates.
berwawasan ke depan (forward-looking).
Ketika pemodelan parameter dilakukan secara When parameter modeling is done collectively,
kolektif, instrumen keuangan dikelompokkan financial instruments are Banked according to
berdasarkan kesamaan karakteristik risiko the similarity of risk characteristics which include
yang meliputi:
• jenis instrumen; • type of instrument;
• peringkat risiko kredit; • credit risk rating;
• jenis agunan; • type of collateral;
• tanggal pengakuan awal; • date of initial recognition;
• sisa waktu jatuh tempo. • remaining due date.
a. Analisis risiko kredit berdasarkan internal a. Credit risk analysis based on internal
rating grades diungkapkan pada Catatan rating grades is disclosed in Note 45h.
45h.
Cadangan kerugian kredit untuk aset Allowance for credit losses for financial
keuangan yang diklasifikasikan pada nilai assets classified as fair value through
wajar melalui penghasilan komprehensif other comprehensive income is not
lain tidak diakui pada laporan posisi recognized in the statement of financial
keuangan karena nilai tercatat aset position because the carrying value of the
keuangan tersebut adalah nilai wajar. financial assets is fair value.
116
Page 653
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
b. Analisis risiko kredit berdasarkan b. Credit risk analysis based on probability
probability of default: of default:
2024
Kerugian Kerugian
Kredit Kerugian Kredit atas
Sepanjang Kredit Aset Keuangan
Umurnya Sepanjang yang dibeli
Tidak Umurnya atau Berasal
Mengalami Mengalami dari Aset
Kerugian Penurunan Penurunan Keuangan
Kredit Nilai/ Nilai/ Memburuk/
Ekspektasian Lifetime Lifetime Purchases or
12 bulan/12 ECL not ECL-Credit Credit Impaired
Months ECL Credit-Impaired Impaired Financial Assets Jumlah/Total
Kredit yang diberikan yang
diukur pada biaya perolehan
yang diamortisasi/Loans at
measured amortized cost
0,93% - 6,71% 7,364,365,627,090 -- -- -- 7,364,365,627,090
14,10% - 42,03% -- 52,764,443,271 -- -- 52,764,443,271
38,71% - 60,95% -- -- 60,904,461,753 -- 60,904,461,753
58,19% - 88,13% -- -- -- -- --
100,00% -- -- -- -- --
7,364,365,627,090 52,764,443,271 60,904,461,753 -- 7,478,034,532,114
Cadangan kerugian kredit/
Loss allowance (58,977,782,100.00) (14,471,918,996) (31,033,888,145) -- (104,483,589,241)
Jumlah/Total 7,305,387,844,990 38,292,524,275 29,870,573,608 -- 7,373,550,942,873
2023
Kerugian Kerugian
Kredit Kerugian Kredit atas
Sepanjang Kredit Aset Keuangan
Umurnya Sepanjang yang dibeli
Tidak Umurnya atau Berasal
Mengalami Mengalami dari Aset
Kerugian Penurunan Penurunan Keuangan
Kredit Nilai/ Nilai/ Memburuk/
Ekspektasian Lifetime Lifetime Purchases or
12 bulan/12 ECL not ECL-Credit Credit Impaired
Months ECL Credit-Impaired Impaired Financial Assets Jumlah/Total
Kredit yang diberikan yang
diukur pada biaya perolehan
yang diamortisasi/Loans at
measured amortized cost
0,93% - 6,71% 7,364,698,588,520 -- -- -- 7,364,698,588,520
14,10% - 42,03% -- 15,008,862,131 -- -- 15,008,862,131
38,71% - 60,95% -- -- 6,000,416,632 -- 6,000,416,632
58,19% - 88,13% -- -- -- -- --
100,00% -- -- -- -- --
7,364,698,588,520 15,008,862,131 6,000,416,632 -- 7,385,707,867,283
Cadangan kerugian kredit/
Loss allowance (55,923,684,496) (3,944,166,598) (2,330,276,885) -- (62,198,127,979)
Jumlah/Total 7,308,774,904,024 11,064,695,533 3,670,139,747 -- 7,323,509,739,304
c. Analisis risiko kredit berdasarkan external c. Credit risk analysis based on external
rating grades diungkapkan pada Catatan rating grades is disclosed in Note 45h.
45h.
117
Page 654
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Analisa Sensitivitas Kerugian Kredit Sensitivity Analysis of Expected Credit Loss
Ekspektasian Terhadap Kondisi Ekonomi for Future Economic Conditions
Masa Depan
Asumsi ekonomi yang disajikan berikut ini The economic assumptions presented below
disusun secara internal untuk keperluan are prepared internally for the purpose of
perhitungan kerugian kredit ekspektasian. calculating expected credit losses.
2024 2025 2026 2027 2028
Skenario Moderat/Moderate Scenario
Interbank 6.00% 5.75% 5.25% 4.75% 4.25%
Brent 85 85 85 85 80
Inflasi/Inflation 3.00% 2.50% 2.25% 2.25% 2.25%
Tingkat pengangguran/Unemployment 5.00% 5.00% 5.00% 5.00% 5.00%
Skenario Optimis/Upside Scenario
Interbank 5.75% 5.50% 5.00% 4.50% 4.00%
Brent 80 75 75 75 75
Inflasi/Inflation 2.00% 2.00% 1.75% 1.75% 1.75%
Tingkat pengangguran/Unemployment 4.50% 4.50% 4.50% 4.50% 4.50%
Skenario Pesimis/Downside Scenario
Interbank 6.25% 6.00% 5.50% 5.00% 4.50%
Brent 90 90 90 90 90
Inflasi/Inflation 4.00% 3.75% 3.50% 3.50% 3.50%
Tingkat pengangguran/Unemployment 5.50% 5.50% 5.50% 5.50% 5.50%
44. Informasi Tambahan Arus Kas 44. Additional Information of Cash Flow
a. Rekonsiliasi liabilitas yang timbul dari a. Liabilities reconciliation that arise from
aktivitas pendanaan: financing activities:
Perubahan
31 Des/ non kas/ 31 Des/
Dec 31, Arus Kas/ Non cash Dec 31,
2023 Cash Flow changes 2024
Liabilitas sewa (25,638,857,628) 13,983,764,315 (8,265,100,997) (19,920,194,310) Lease liabilities
Jumlah (25,638,857,628) 13,983,764,315 (8,265,100,997) (19,920,194,310) Total
Perubahan
31 Des/ non kas/ 31 Des/
Dec 31, Arus Kas/ Non cash Dec 31,
2022 Cash Flow changes 2023
Liabilitas sewa (37,366,801,533) 13,292,386,412 (1,564,442,507) (25,638,857,628) Lease liabilities
Jumlah (37,366,801,533) 13,292,386,412 (1,564,442,507) (25,638,857,628) Total
b. Transaksi non-kas b. Non-cash transaction
2024 2023
Penambahan aset tetap Unpaid addition of property,
yang belum dibayar 11,158,781,964 -- plant and equipment
Jumlah 11,158,781,964 -- Total
45. Informasi Tambahan yang Tidak 45. Additional Information That Is Not Required
Dipersyaratkan Oleh Standar Akuntansi by Indonesian Accounting Standards
Indonesia (Tidak Diaudit) (Unaudited)
Informasi tambahan berikut yang disajikan The following additional information presented
dibawah ini merupakan informasi yang below is information required by applicable
disyaratkan oleh regulasi yang berlaku dan regulations and is not information required by
bukan/tidak merupakan informasi yang Indonesian Accounting Standards:
dipersyaratkan oleh Standar Akuntansi
Indonesia:
118
Page 655
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
a. Giro pada Bank Indonesia a. Current Account with Bank Indonesia
Bank dipersyaratkan untuk memiliki Giro The Bank is required to maintain minimum
Wajib Minimum (GWM) dalam mata uang statutory reserves (GWM) in Rupiah for
Rupiah dalam kegiatannya sebagai bank conventional banking activities and
umum dan GWM dalam mata uang asing statutory reserves in foreign currencies for
dalam kegiatannya melakukan transaksi foreign exchange transactions.
mata uang asing.
GWM primer adalah simpanan minimum Primary minimum statutory reserve is a
yang wajib dipenuhi oleh Bank dalam minimum reserve that should be
bentuk saldo rekening giro pada Bank maintained by the Bank in current
Indonesia. Penyangga Likuiditas accounts with Bank Indonesia.
Makroprudensial (dahulu GWM sekunder) Macroprudential Liquidity Buffer (formerly
adalah cadangan minimum yang wajib secondary minimum statutory reserve)
dipelihara oleh Bank berupa Sertifikat which is the minimum reserves that should
Bank Indonesia (SBI), Surat Utang be maintained by the Bank, comprised of
Negara (SUN), dan Surat Berharga Certificates of Bank Indonesia (SBI),
Syariah Negara (SBSN). GWM Rasio Government Debenture Debt (SUN), and
Intermediasi Makroprudensial (RIM) Sharia Government Securities (SBSN).
(dahulu GWM LFR) adalah tambahan The minimum statutory reserve on
simpanan minimum yang wajib dipenuhi Macroprudential Intermediation Ratio
oleh Bank dalam bentuk saldo rekening (RIM) (formerly minimum statutory reserve
giro pada Bank Indonesia, jika RIM Bank on LFR) is the additional reserve that
di bawah minimum RIM target Bank should be maintained by the Bank in the
Indonesia (84%) atau jika di atas form of current accounts with Bank
maksimum RIM target Bank Indonesia Indonesia, if the Bank’s RIM is below the
(94%) dan Kewajiban Penyediaan Modal minimum of RIM targeted by Bank
Minimum (KPMM) Bank lebih kecil dari Indonesia (84%) or if the Bank’s RIMis
KPMM Insentif Bank Indonesia sebesar above the maximum of RIM targeted by
14%. Bank Indonesia (94%) and the Capital
Adequacy Ratio (CAR) is below Bank
Indonesia requirement of 14%.
Pada tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023, the
2023, Giro Wajib Minimum (GWM) Bank Bank's Statutory Reserves (GWM) have
telah sesuai dengan Peraturan Bank complied with Bank Indonesia Regulation
Indonesia (PBI) No. 20/3/PBI/2018 (PBI) No. 20/3/PBI/2018 dated March 29,
tanggal 29 Maret 2018 tentang Giro Wajib 2018 concerning Statutory Reserves for
Minimum Bank Umum Dalam Rupiah dan Commercial Banks in Rupiah and Foreign
Valuta Asing Bagi Bank Umum Exchange for Banks Conventional
Konvensional sebagaimana telah diubah General as amended through PBI No.
dengan PBI No. 22/3/PBI/2020 tanggal 22/3/PBI/2020 dated March 24, 2020; PBI
24 Maret 2020; PBI No. 22/10/PBI/2020 No. 22/10/PBI/2020 dated July 28, 2020;
tanggal 28 Juli 2020; PBI No. PBI No. 23/16/PBI/2021 dated December
23/16/PBI/2021 tanggal 21 Desember 21, 2021; and latest amendment through
2021; dan terakhir kali melalui PBI PBI No. 24/4/PBI/2022 dated
No. 24/4/PBI/2022 tanggal March 01, 2022 which explained by
01 Maret 2022 yang dijelaskan melalui Regulation of the Members of the Board of
Peraturan Anggota Dewan Gubernur Governors (PADG) No. 20/10/PADG/2018
(PADG) No. 20/10/PADG/2018 tanggal 31 dated May 31, 2018 concerning Statutory
Mei 2018 tentang Giro Wajib Minimum Reserves for Conventional Commercial
Bank Umum Konvensional, Bank Umum Banks, Sharia Commercial Banks and
Syariah dan Unit Usaha Syariah Sharia Business Units as amended
sebagaimana telah diubah beberapa kali through PADG No. 21/14/PADG/2019
dengan PADG No. 21/14/PADG/2019 dated June 26, 2019;
tanggal 26 Juni 2019; PADG No. PADG No. 21/27/PADG/2019 dated
21/27/PADG/2019 tanggal 26 Desember December 26, 2019; PADG
119
Page 656
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2019; PADG No. 22/2/PADG/2020 tanggal No. 22/2/PADG/2020 dated March 10,
10 Maret 2020; PADG No. 2020; PADG No. 22/10/PADG/2020 dated
22/10/PADG/2020 tanggal 29 April 2020; April 29, 2020; PADG No.
PADG No. 22/19/PADG/2020 tanggal 22/19/PADG/2020 dated July 29, 2020;
29 Juli 2020; PADG No. PADG No. 23/27/PADG/2021 dated
23/27/PADG/2021 tanggal 21 Desember December 21, 2021; PADG No.
2021; PADG No. 24/3/PADG/2022 tanggal 24/3/PADG/2022 dated March 01, 2022;
01 Maret 2022; dan terakhir kali melalui PADG No. 24/8/PADG/2022 dated June
PADG No. 24/8/PADG/2022 tanggal 30 30, 2022; PADG No.2 year 2023 dated
Juni 2022; PADG Nomor 2 tahun 2023 April 1, 2023; and latest amendment
tertanggal 1 April 2023; dan terakhir kali through PADG No.12 year 2023 dated
melalui PADG Nomor 12 tahun 2023 October 1, 2023.
tertanggal 1 Oktober 2023.
2024 2023
Pemenuhan/ Pemenuhan/
Reserve Minimum Reserve Minimum
Rupiah Rupiah
GWM primer 7.78% 7.70% 9.12% 9.00% Primary GWM
GWM harian 0.00% 0.00% 0.00% 0.00% Daily GWM
GWM rata-rata 7.78% 7.70% 9.12% 9.00% Average GWM
GWM sekunder/ Secondary GWM/
Penyangga Likuiditas Macroprudential
Makroprudensial (PLM) 83.79% 5.00% 67.31% 5.00% Liquidity Buffer (PLM)
*) Pada tanggal 31 Desember 2024 dan 2023 Bank *) As of December 31, 2024 and 2023 the Bank
mendapatkan insentif dari Bank Indonesia masing- received an incentive from Bank Indonesia of 1.30%
masing sebesar 1,30% dan nihil sehingga minimum and nil, so that the minimum GWM fulfillment is
pemenuhan GWM masing-masing sebesar 7,70% 7.70% and 9.00%, respectively.
dan 9,00%.
Pada tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023, the
2023, Bank juga harus memenuhi PBI Bank must also comply with
No.20/4/PBI/2018 tanggal 29 Maret 2018 PBI No.20/4/PBI/2018 dated March 29,
tentang Rasio Intermediasi 2018 concerning Macroprudential
Makroprudensial dan Penyangga Intermediation Ratios and Macroprudential
Likuiditas Makroprudensial bagi Bank Liquidity Buffers for Conventional
Umum Konvensional, Bank Umum Commercial Banks, Sharia Commercial
Syariah, dan Unit Konvensional, Bank Banks, and Conventional Units, Sharia
Umum Syariah dan Unit Usaha Syariah Commercial Banks and Sharia Business
sebagaimana telah diubah dengan PBI Units as amended through PBI
No.21/12/PBI/2019 tanggal 26 November No.21/12/PBI/2019 dated November 26,
2019; PBI No.22/17/PBI/2020 tanggal 01 2019; PBI No.22/17/PBI/2020 dated
Oktober 2020; dan terakhir kali melalui October 01, 2020; and latest amendment
PBI No.23/17/PBI/2021 tanggal 22 through PBI No. 23/17/PBI/2021 dated
Desember 2021 yang dijelaskan melalui December 22, 2021 which explained by
Peraturan Anggota Dewan Gubernur the Regulation of Members of the Board of
No.21/22/PADG/2019 tanggal 28 Governors No.21/22/PADG/2019 dated
November 2019 yang telah diubah November 28, 2019 which has been
dengan PADG No.22/30/PADG/2020 amended through PADG
tanggal 05 Oktober 2020; PADG No.22/30/PADG/2020 dated October 05,
No.23/7/PADG/2021 tanggal 28 April 2020; No.23/7/PADG/2021 dated April 28,
2021; PADG No.24/14/PADG/2022 2021; PADG No.24/14/PADG/2022 dated
tanggal 1 November 2022; PADG Nomor November 1, 2022; PADG No.10 year
10 tahun 2023 tanggal 2023 dated September 14, 2023; and
14 September 2023; dan terakhir kali latest amendment through PADG No.18
diubah dengan PADG Nomor 18 tahun year 2023 dated December 1, 2023.
2023 tanggal 1 Desember 2023.
120
Page 657
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Pada tanggal 31 Desember 2024 dan As at December 31, 2024 and 2023, the
2023, Bank telah memenuhi ketentuan Bank has complied with Minimum
Bank Indonesia yang berlaku tentang Giro Statutory Reserve Requirement of
Wajib Minimum Bank Umum. Commercial Banks.
Pengungkapan lebih lanjut giro pada bank The further disclosures on current
lain diungkapkan pada Catatan 5. accounts with other banks are presented
in Note 5.
b. Giro pada Bank Lain b. Current Account with Other Banks
Seluruh giro pada bank lain pada tanggal All current accounts with other banks as of
31 Desember 2024 dan 2023 31 December 2024 and 2023 are classified
diklasifikasikan lancar. as current.
Pengungkapan lebih lanjut giro pada bank The further disclosures on current
lain diungkapkan pada Catatan 6. accounts with other banks are presented
in Note 6.
c. Penempatan pada Bank Indonesia dan c. Placements with Bank Indonesia and
Bank Lain Other banks
Seluruh penempatan pada bank lain dan All placements with other banks and Bank
Bank Indonesia pada tanggal-tanggal Indonesia as of 31 December 2024 and
31 Desember 2024 dan 2023 2023 are classified as current.
diklasifikasikan sebagai lancar.
Pengungkapan lebih lanjut penempatan The further disclosures on placements
pada Bank Indonesia dan bank lain with Bank Indonesia and other banks are
diungkapkan pada Catatan 7. presented in Note 7
d. Efek-efek d. Marketable securities
Seluruh efek-efek pada tanggal All securities as of 31 December 2024 and
31 Desember 2024 dan 2023 2023 are classified as current.
diklasifikasikan lancar.
Pengungkapan lebih lanjut efek-efek The further disclosures on securities are
diungkapkan pada Catatan 8. presented in Note 8.
e. Efek-efek yang dibeli dengan janji dijual e. Securities purchased under resell
kembali agreement
Seluruh efek-efek yang dibeli dengan janji All securities purchased under resell
dijual kembali pada tanggal 31 Desember agreement as of 31 December 2024 and
2024 dan 2023 diklasifikasikan lancar. 2023 are classified as current.
Pengungkapan lebih lanjut efek-efek yang The further disclosures on securities
dibeli dengan janji dijual kembali purchased under resell agreement are
diungkapkan pada Catatan 9. presented in Note 9.
121
Page 658
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
f. Kredit yang diberikan f. Loans
Berdasarkan kolektibilitas sesuai By Financial Service Authority Rule
Peraturan OJK collectability
31 Desember 2024/ 31 Desember 2023/
December 31,2024 December 31,2023
Cadangan Cadangan
kerugian kerugian
penurunan nilai/ penurunan nilai/
Allowance for Allowance for
Pokok/ impairment Pokok/ impairment
Principle losses Principle losses
Lancar 5,333,343,975,087 (37,800,735,379) 7,354,856,212,569 (55,033,384,563) Current
Dalam perhatian khusus 2,083,786,095,275 (35,648,965,717) 24,851,238,082 (4,834,466,531) Special Mention
Kurang lancar 20,085,178,907 (8,050,139,720) 6,000,416,632 (2,330,276,885) Substandard
Diragukan 29,765,578,144 (11,930,043,724) -- -- Doubtful
Macet 11,053,704,701 (11,053,704,701) -- -- Loss
Jumlah 7,478,034,532,114 (104,483,589,241) 7,385,707,867,283 (62,198,127,979) Total
Pada tanggal 31 Desember 2024 dan As at December 31, 2024 and 2023,
2023 rasio Non-Performing Loans (NPL) the ratios of gross and net Non-
bruto dan neto masing-masing sebesar Performing Loans (NPL) are 0.81% and
0,81% dan 0,40,% dan 0,08% dan 0,05%. 0.40% and 0.08% and 0.05%,
respectively.
Pengungkapan lebih lanjut pada kredit The further disclosures on loans are
yang diberikan diungkapkan pada Catatan presented in Note 10.
10.
Pinjaman bermasalah dan cadangan Non-performing loans and allowance
kerugian penurunan nilai berdasarkan for impairment losses by economic
sektor ekonomi sector
31 Desember 2024/ 31 Desember 2023/
December 31,2024 December 31,2023
Cadangan Cadangan
kerugian kerugian
penurunan nilai/ penurunan nilai/
Allowance for Allowance for
Pokok/ impairment Pokok/ impairment
Principle losses Principle losses
Rumah tangga 60,904,461,753 31,033,888,145 6,000,416,632 2,330,276,885 Households
Jumlah 60,904,461,753 31,033,888,145 6,000,416,632 2,330,276,885 Total
Tidak ada kredit yang direstrukturisasi There were no restructured loans by the
oleh Bank pada tahun 2024 dan 2023. Bank in the year 2024 and 2023.
Pada tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023, there
2023, tidak terdapat pelanggaran maupun were no any breach nor violation of Legal
pelampauan Batas Maksimum Pemberian Lending Limit (LLL) to related parties and
Kredit (BMPK) kepada pihak berelasi dan third parties as required by The Financial
pihak ketiga sesuai dengan peraturan Services Authority regulations.
yang ditetapkan Otoritas Jasa Keuangan.
g. Manajemen Modal dan Rasio Liabilitas g. Capital Management and Minimum
Penyediaan Modal Minimum (CAR) Required Capital Adequacy Ratio (CAR)
Dalam pengelolaan permodalan, Bank In managing its capital, the Bank
mempertimbangkan faktor-faktor seperti: considers factors such as: an optimal
pengembalian modal yang optimal pada providing capital rate of return to
pemegang saham, menjaga shareholders and maintaining a balance
122
Page 659
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
keseimbangan antara keuntungan yang between high return gearing ratio and
lebih tinggi dengan gearing ratio serta safety provided by a sound capital
keamanan yang diberikan oleh posisi position.
modal yang sehat.
Pengungkapan lebih lanjut terkait The further disclosures regarding capital
manajemen modal diungkapkan pada management are presented in Note 42.
Catatan 42.
Sejak tanggal 2 Februari 2016, Bank Since February 2, 2016, the Bank
menghitung kebutuhan modal calculates its capital requirements in
berdasarkan Peraturan Otoritas Jasa accordance with Financial Services
Keuangan (POJK) No. 11/POJK.03/2016 Authority Regulation (POJK)
dan No. 34/POJK.03/2016 dimana modal No. 11/POJK.03/2016 and
yang diwajibkan regulator dianalisis dalam No. 34/POJK.03/2016 where the
dua tier sebagai berikut: regulatory capital is analyzed into two tiers
as follows:
• Modal inti (tier 1), yang terdiri dari • Core capital (tier 1), which consists of
modal inti utama dan modal inti core and additional core capital (AT-1).
tambahan (AT-1). Modal inti utama Core capital includes issued and fully
terdiri dari modal diterbitkan dan disetor paid-up capital and disclosed reserves.
penuh dan cadangan tambahan modal. Disclosed reserves consist of the
Cadangan tambahan modal terdiri dari addition factors such as additional
faktor penambah yang terdiri dari agio paid- in capital, general reserve, capital
saham biasa, cadangan umum, dana advance, prior year profits, profit for the
setoran modal, laba tahun-tahun lalu, year and other comprehensive income
laba tahun berjalan, serta penghasilan deriving from gain from financial
komprehensif lainnya berupa selisih statement translation, potential gain
lebih penjabaran laporan keuangan, from the changes in fair value of
potensi keuntungan yang berasal dari financial assets classified as available-
peningkatan nilai wajar aset keuangan for-sale and surplus from revaluation of
dalam kelompok tersedia untuk dijual premises and equipment. Disclosed
dan saldo surplus revaluasi aset tetap. reserves also consist of deduction
Cadangan tambahan modal juga terdiri factors such as losses from financial
dari faktor pengurang yang terdiri dari statement translation, potential losses
selisih kurang penjabaran laporan from the changes in fair value of
keuangan, potensi kerugian yang financial assets classified as available-
berasal dari penurunan nilai wajar aset for-sale, shortfall between allowance
keuangan dalam kelompok tersedia for losses on productive assets (PPA)
untuk dijual, selisih kurang antara and allowance for impairment losses
Penyisihan Penghapusan Aset (PPA) on productive assets (CKPN), and
atas aset produktif dan Cadangan shortfall between amount adjusted to
Kerugian Penurunan Nilai (CKPN) atas the valuation result of financial
aset produktif, serta selisih kurang instruments in Trading Book and
antara jumlah penyesuaian terhadap amount adjusted based on the financial
valuasi dari instrumen keuangan dalam accounting standards.
Trading Book dan jumlah penyesuaian
berdasarkan standar akuntansi
keuangan.
Modal inti utama harus diperhitungkan Core capital must be calculated with
dengan faktor pengurang berupa: aset deduction factors: deferred tax assets,
pajak tangguhan, goodwill, aset goodwill, other intangible assets, losses
takberwujud lainnya, kerugian atas from remeasurement of defined benefit
pengukuran kembali program pensiun pension program, asset securitization
manfaat pasti, eksposur sekuritisasi aset exposures and investment in shares.
dan penyertaan modal.
123
Page 660
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Modal inti tambahan dapat berbentuk Additional core capital includes among
antara lain: saham preferen, surat others: non-cumulative preference shares,
berharga subordinasi dan pinjaman subordinated securities and subordinated
subordinasi, dimana ketiganya bersifat debts net of buyback portion.
non-kumulatif setelah dikurangi pembelian
kembali.
• Modal pelengkap (tier 2) antara lain • Supplementary capital (tier 2) includes
meliputi surat berharga subordinasi subordinated securities and
dan pinjaman subordinasi serta subordinated debts and general
cadangan umum (PPA) atas aset allowance for uncollectible account on
produktif sesuai ketentuan OJK. productive assets according to OJK
guideline.
Bank tidak mempunyai modal inti The Bank does not have any additional
tambahan yang memenuhi kriteria core capital which meets the criteria under
peraturan Bank Indonesia yang berlaku. prevailing Bank Indonesia regulation.
Penyediaan modal minimum sebagaimana Minimum capital requirements are as
dimaksud ditetapkan sebagai berikut: follows:
• 8% dari ATMR untuk bank dengan • 8% of RWA for bank with risk rating 1.
profil risiko peringkat 1.
• 9% sampai dengan kurang dari 10% • 9% up to less than 10% of RWA for
dari ATMR untuk bank dengan profil bank with risk rating 2.
risiko peringkat 2.
• 10% sampai dengan kurang dari 11% • 10% up to less than 11% of RWA for
dari ATMR untuk bank dengan profil bank with risk rating 3.
risiko peringkat 3.
• 11% sampai dengan 14% dari ATMR • 11% up to 14% of RWA for bank with
untuk bank dengan profil risiko risk rating 4.
peringkat 4.
Rasio Kewajiban Penyediaan Modal The calculation of Capital Adequacy Ratio
Minimum (KPMM) Bank pada tanggal 31 (CAR) as at December 31, 2024 and 2023
Desember 2024 dan 2023 dihitung by the Regulation of Bank Indonesia are
berdasarkan Peraturan Bank Indonesia as follows (in million Rupiah):
adalah sebagai berikut (dalam jutaan
Rupiah):
2024 2023
Modal inti (Tier 1) 7,112,795 6,811,607 Core capital (Tier 1)
Modal pelengkap (Tier 2) 75,393 87,725 Supplementary capital (Tier 2)
Total modal inti dan pelengkap 7,188,188 6,899,332 Total core and supplementary capital
Total Aset Tertimbang
Menurut Risiko Total Risk Weight Assets (RWA)
Tanpa memperhitungkan
risiko pasar 8,256,451 7,963,833 Excluding market risk
Dengan memperhitungkan
risiko pasar 8,256,451 7,963,833 Including market risk
Dengan memperhitungkan risiko Including credit, market and
kredit, pasar dan operasional 8,704,733 8,277,265 operational risks
Rasio Kewajiban Penyediaan
Modal Minimum (KPMM) Capital Adequacy Ratio (CAR)
Rasio CET 1 81.71% 82.29% Ratio CET 1
Rasio Tier 1 81.71% 82.29% Ratio Tier 1
Rasio Tier 2 0.87% 1.06% Ratio Tier 2
Rasio total 82.58% 83.35% Ratio total
Rasio Kewajiban Penyediaan
Modal Minimum yang Diwajibkan 10,00%-10,90% 9,00% - 9,90% Minimum Capital Adequacy Ratio
124
Page 661
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
h. Analisis Kualitas Kredit h. Credit Quality Analysis
Analisis risiko kredit berdasarkan Credit risk analysis based on internal
internal rating grades: rating grades:
2024
Kerugian Kerugian
Kredit Kerugian Kredit atas
Sepanjang Kredit Aset Keuangan
Umurnya Sepanjang yang dibeli
Tidak Umurnya atau Berasal
Mengalami Mengalami dari Aset
Kerugian Penurunan Penurunan Keuangan
Kredit Nilai/ Nilai/ Memburuk/
Ekspektasian Lifetime Lifetime Purchases or
12 bulan/12 ECL not ECL-Credit Credit Impaired
Months ECL Credit-Impaired Impaired Financial Assets Jumlah/Total
Kredit yang diberikan yang
diukur pada biaya perolehan
yang diamortisasi/Loans at
measured amortized cost
Bucket 1 7,324,840,834,721 -- -- -- 7,324,840,834,721
Bucket 2 39,524,792,369 -- -- -- 39,524,792,369
Bucket 3 -- 29,488,954,559 -- -- 29,488,954,559
Bucket 4 -- 23,275,488,712 -- -- 23,275,488,712
Bucket 5 -- -- 60,904,461,753 -- 60,904,461,753
7,364,365,627,090 52,764,443,271 60,904,461,753 -- 7,478,034,532,114
Cadangan kerugian kredit/
Loss allowance (58,977,782,100.00) (14,471,918,996) (31,033,888,145) -- (104,483,589,241)
Jumlah/Total 7,305,387,844,990 38,292,524,275 29,870,573,608 -- 7,373,550,942,873
2023
Kerugian Kerugian
Kredit Kerugian Kredit atas
Sepanjang Kredit Aset Keuangan
Umurnya Sepanjang yang dibeli
Tidak Umurnya atau Berasal
Mengalami Mengalami dari Aset
Kerugian Penurunan Penurunan Keuangan
Kredit Nilai/ Nilai/ Memburuk/
Ekspektasian Lifetime Lifetime Purchases or
12 bulan/12 ECL not ECL-Credit Credit Impaired
Months ECL Credit-Impaired Impaired Financial Assets Jumlah/Total
Kredit yang diberikan yang
diukur pada biaya perolehan
yang diamortisasi/Loans at
measured amortized cost
Bucket 1 7,364,698,588,520 -- -- -- 7,364,698,588,520
Bucket 2 -- 15,008,862,131 -- -- 15,008,862,131
Bucket 3 -- -- 6,000,416,632 -- 6,000,416,632
Bucket 4 -- -- -- -- --
Bucket 5 -- -- -- -- --
7,364,698,588,520 15,008,862,131 6,000,416,632 -- 7,385,707,867,283
Cadangan kerugian kredit/
Loss allowance (55,923,684,496) (3,944,166,598) (2,330,276,885) -- (62,198,127,979)
Jumlah/Total 7,308,774,904,024 11,064,695,533 3,670,139,747 -- 7,323,509,739,304
125
Page 662
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Analisis risiko kredit berdasarkan Credit risk analysis based on external
external rating grades: rating grades:
2024
Kerugian Kerugian
Kredit Kerugian Kredit atas
Sepanjang Kredit Aset Keuangan
Umurnya Sepanjang yang dibeli
Tidak Umurnya atau Berasal
Mengalami Mengalami dari Aset
Kerugian Penurunan Penurunan Keuangan
Kredit Nilai/ Nilai/ Memburuk/
Ekspektasian Lifetime Lifetime Purchases or
12 bulan/12 ECL not ECL-Credit Credit Impaired
Months ECL Credit-Impaired Impaired Financial Assets Jumlah/Total
Kredit yang diberikan yang
diukur pada biaya perolehan
yang diamortisasi/Loans at
measured amortized cost
Kolektibilitas 1/Collectibility 1 5,333,343,975,086 -- -- 5,333,343,975,086
Kolektibilitas 2/Collectibility 2 2,031,021,652,004 52,764,443,271 -- 2,083,786,095,275
Kolektibilitas 3/Collectibility 3 -- -- 20,085,178,908 -- 20,085,178,908
Kolektibilitas 4/Collectibility 4 -- -- 29,765,578,144 -- 29,765,578,144
Kolektibilitas 5/Collectibility 5 -- -- 11,053,704,701 -- 11,053,704,701
7,364,365,627,090 52,764,443,271 60,904,461,753 -- 7,478,034,532,114
Cadangan kerugian kredit/
Loss allowance (58,977,782,100) (14,471,918,996) (31,033,888,145) -- (104,483,589,241)
Jumlah/Total 7,305,387,844,990 38,292,524,275 29,870,573,608 -- 7,373,550,942,873
2023
Kerugian Kerugian
Kredit Kerugian Kredit atas
Sepanjang Kredit Aset Keuangan
Umurnya Sepanjang yang dibeli
Tidak Umurnya atau Berasal
Mengalami Mengalami dari Aset
Kerugian Penurunan Penurunan Keuangan
Kredit Nilai/ Nilai/ Memburuk/
Ekspektasian Lifetime Lifetime Purchases or
12 bulan/12 ECL not ECL-Credit Credit Impaired
Months ECL Credit-Impaired Impaired Financial Assets Jumlah/Total
Kredit yang diberikan yang
diukur pada biaya perolehan
yang diamortisasi/Loans at
measured amortized cost
Kolektibilitas 1/Collectibility 1 7,354,856,212,569 -- -- -- 7,354,856,212,569
Kolektibilitas 2/Collectibility 2 9,842,375,951 15,008,862,131 -- -- 24,851,238,082
Kolektibilitas 3/Collectibility 3 -- -- 6,000,416,632 -- 6,000,416,632
Kolektibilitas 4/Collectibility 4 -- -- -- -- --
Kolektibilitas 5/Collectibility 5 -- -- -- -- --
7,364,698,588,520 15,008,862,131 6,000,416,632 -- 7,385,707,867,283
Cadangan kerugian kredit/
Loss allowance (55,923,684,496) (3,944,166,598) (2,330,276,885) -- (62,198,127,979)
Jumlah/Total 7,308,774,904,024 11,064,695,533 3,670,139,747 -- 7,323,509,739,304
46. Standar Akuntansi dan Interpretasi Standar 46. Accounting Standard and Interpretation of
Akuntansi yang Telah Disahkan, tetapi Accounting Standard which Has Issued but
Belum Berlaku Efektif Not Effective Yet
Standar baru dan amendemen atas standar New standard and amendment to standard
yang berlaku efektif untuk tahun yang dimulai which effective for year beginning on or after
pada atau setelah 1 Januari 2025, dengan January 1, 2025, with early adoption is
penerapan dini diperkenankan yaitu: permitted, are as follows:
• Amendemen PSAK 221: Pengaruh • Amendments PSAK 221: Foreign Exchange
Perubahan Kurs Valuta Asing tentang Rate regarding Lack of Exchangeability;
Kekurangan Ketertukaran;
• PSAK 117: Kontrak Asuransi; dan • PSAK 117: Insurance Contract; and
• Amendemen PSAK 117: Kontrak Asuransi • Amendments PSAK 117: Insurance
tentang Penerapan Awal PSAK 117 dan Contract regarding Initial Application of
PSAK 109 – Informasi Komparatif. PSAK 117 and PSAK 109 – Comparative
Information.
126
Page 663
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Beberapa PSAK juga diamendemen yang Several PSAKs were also amended which
merupakan amendemen konsekuensial karena were consequential amendments due to the
berlakunya PSAK 117: Kontrak Asuransi, yaitu: enactment of PSAK 117: Insurance Contracts,
as follows:
• PSAK 103: Kombinasi Bisnis • PSAK 103: Business Combinations
• PSAK 105: Aset Tidak Lancar yang • PSAK 105: Non-Current Assets Held for
Dikuasai untuk Dijual dan Operasi yang Sale and Discontinued Operations
Dihentikan
• PSAK 107: Instrumen Keuangan: • PSAK 107: Financial Instruments:
Pengungkapan Disclosures
• PSAK 109: Instrumen Keuangan • PSAK 109: Financial Instruments
• PSAK 115: Pendapatan dari Kontrak • PSAK 115: Income from Contracts with
dengan Pelanggan Customers
• PSAK 201: Penyajian Laporan Keuangan • PSAK 201: Presentation of Financial
Statements
• PSAK 207: Laporan Arus Kas • PSAK 207: Statement of Cash Flows
• PSAK 216: Aset Tetap • PSAK 216: Fixed Assets
• PSAK 219: Imbalan Kerja • PSAK 219: Employee Benefits
• PSAK 228: Investasi pada Entitas Asosiasi • PSAK 228: Investment in Associated
dan Ventura Bersama Entities and Joint Ventures
• PSAK 232: Instrumen Keuangan: • PSAK 232: Financial Instruments:
Penyajian Presentation
• PSAK 236: Penurunan Nilai Aset • PSAK 236: Impairment of Asset
• PSAK 237: Provisi, Liabilitas Kontinjensi • PSAK 237: Provisions, Contingent Liabilities
dan Aset Kontinjensi and Contigent Assets
• PSAK 238: Aset Takberwujud • PSAK 238: Intangible Assets
• PSAK 240: Properti Investasi • PSAK 240: Investment Propert
Pada saat penerbitan laporan keuangan, Bank As at the authorization date of this financial
masih mempelajari dampak yang mungkin statements, the Bank is still evaluating the
timbul dari penerapan standar baru dan revisi potential impact of these new and revised
tersebut serta pengaruhnya pada laporan standards to the Bank’s financial statements.
keuangan Bank.
47. Penyelesaian Laporan Keuangan 47. Completion of Financial Statement
Manajemen Bank bertanggung jawab atas The management of the Bank is responsible for
penyusunan dan penyajian kewajaran laporan the preparation and fair presentation of these
keuangan ini sesuai dengan Standar Akuntansi financial statements in accordance with
Keuangan di Indonesia, yang diselesaikan dan Indonesian Financial Accounting Standards,
disetujui untuk diterbitkan oleh Direksi pada which were completed and authorized by the
tanggal 18 Februari 2025. Board of Directors for issue on
18 February, 2025.
127
Page 664
Page 665
Page 666
Laporan Tahunan & Laporan Keberlanjutan 2024 Annual Report & Sustainability Report
PT Allo Bank Indonesia Tbk
Menara Bank Mega Lt. 5 dan 6
Jl. Kapten P. Tendean No. 12-14A,
Jakarta 12790
62-21 5098 1399 (Hunting )
AlloCare 080 4110 4110
www.allobank.com
Names mentioned 206 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.2 ×173
unresolved
org
Bank Milestones Ikhtisar Data Keuangan Penting
p.6
unresolved
org
Capital Goods Investment Tbk
p.6
unresolved
org
Bank Terhadap Pedoman Tata Kelola Board
p.7
unresolved
org
Bank GCG Independent
p.7
unresolved
person
Organ Pendukung
· Komisaris
p.7
unresolved
—
Pemberian Dana untuk Kegiatan Sosial
p.7
unresolved
org
Provision of Large Funds
p.7
unresolved
—
Buy Back Share dan/atau Buyback
p.7
unresolved
org
Buy Back Shares and/or Buyback Bank
p.7
unresolved
org
Bank Indonesia Giro
p.15
unresolved
org
PT Mega
p.19 ×4
unresolved
org
PT Indolife
p.19
unresolved
org
CT Corp
p.25 ×3
unresolved
org
Bank Mega Tower
p.25
unresolved
org
Bank Mega Tower Auditorium
p.25
unresolved
org
Bank Festival
p.26 ×4
unresolved
org
Bank Administrator RDN RDN Administrator Bank
p.26
unresolved
org
Bank Administrator Rekening Dana Nasabah
p.26
unresolved
org
Bank Administrator RDN
p.26
unresolved
org
Bank Indonesia’s
p.34 ×3
unresolved
org
Financial Services Authority
p.35 ×18
unresolved
person
Annual GMS
· Commissioner
p.37 ×5
unresolved
org
Bank Data Center
p.41
unresolved
org
Sentral Efek Indonesia
p.42
unresolved
org
Bank Devisa
p.42
unresolved
org
Bank Governance Allo Bank
p.44
unresolved
org
Bank Organizational Structure
p.46
unresolved
org
Bank Business Groups Bank
p.48
unresolved
org
Bank Company Nickname Bidang
p.56
unresolved
org
PT Bank Arta Griya Name Changes
p.56
unresolved
org
PT Bank Harda Griya
p.56 ×8
unresolved
org
Bank Harda Internasional Tbk
p.56 ×39
unresolved
person
Poerbaningsih Adi Warsito. Akta Legal Basis
p.56
unresolved
org
Menteri Keuangan Republik Indonesia
p.56
unresolved
person
Poerbaningsih Adi Warsito. Notarial Deed
p.56
unresolved
org
Minister of Finance
p.56
unresolved
org
Indonesia Stock Exchange
p.56 ×2
unresolved
org
PT Bank Arta Griya
p.58 ×8
unresolved
person
Poerbaningsih Adi Adi Warsito
· Notaris
p.58
unresolved
person
Warsito
p.58
unresolved
org
Minister of Justice
p.58
unresolved
org
Menteri Kehakiman Republik
p.58
unresolved
org
South Jakarta District Court
p.58
unresolved
org
Pengadilan Negeri Jakarta Selatan
p.58
unresolved
person
Triphosa Lily Ekadewi
· Notaris
p.58 ×3
unresolved
person
Ciputat
· Notaris
p.58
unresolved
org
Menteri Kehakiman Republik Indonesia
p.58
unresolved
org
PT Bank Harda
p.59 ×6
unresolved
org
Internasional Tbk.
p.59
unresolved
person
Edward Suharjo Wiryomartani.
· Notaris
p.59
unresolved
person
Wiryomartani.
p.59
unresolved
org
Minister of Law and Human Rights
p.59 ×3
unresolved
org
PT Mega Corpora. Setelah
p.59 ×2
unresolved
org
PT Mega Corpora. After
p.59 ×2
unresolved
org
Harda Internasional Tbk
p.59
unresolved
person
Notary Dharma Akhyuzi
· Notaris
p.60 ×11
unresolved
org
Menteri Hukum dan Hak Asasi
p.60
unresolved
org
PT Bank Arta Griya. Mengikuti
p.61
unresolved
org
Bank Allo Bank Milestones
p.62
unresolved
org
Bank Grand Launching
p.62
unresolved
org
Bank Grand Launching Berganti
p.62
unresolved
org
Bank Festival Griya
p.62
unresolved
org
Bank Mega Griya
p.62
unresolved
org
PT Allo Commenced
p.62
unresolved
org
PT Bank Harda International
p.62 ×2
unresolved
org
Bank Fest
p.63 ×2
unresolved
org
PT Pemeringkat Efek Indonesia
p.63 ×2
unresolved
org
Bank Hangout
p.63 ×2
unresolved
org
Menteri Hukum dan Hak Asasi Manusia
p.64
unresolved
org
Anti Fraud Management Corp
p.67
unresolved
—
Pejabat Eksekutif
· Komisaris Independen
p.72 ×2
unresolved
—
Executive
· Independent Commissioner
p.72 ×2
unresolved
org
PT Dyandra
p.72 ×2
unresolved
org
Bank BRI Tbk
p.72 ×4
unresolved
—
PUREK II
· Ketua
p.72
unresolved
—
Proper Kepatutan Sdri. Rosmaya
· Komisaris Independen
p.73
unresolved
org
PT Allo Bank
p.73 ×3
unresolved
org
Allo Indonesia Tbk.
p.73 ×2
unresolved
org
Bank Staff
p.74
unresolved
org
Bank Indonesia Highest Bank Indonesia
p.74
unresolved
org
Bank Indonesia International Payment System Resource Person
p.74
unresolved
person
Ali
p.75 ×2
unresolved
org
PT CT Corpora
p.76 ×4
unresolved
org
Kantor Akuntan Publik Prasetio
p.76
unresolved
org
PT Allo
p.78 ×2
unresolved
org
Ministry of Communication
p.78 ×2
unresolved
org
Sertifikasi Manajemen Risiko
p.78 ×2
unresolved
org
Indonesia Tbk
p.79
unresolved
org
PT Metra Digital Innovation
p.79 ×2
unresolved
org
PT Telkomsel
p.79 ×2
unresolved
org
PT Multimedia Nusantara
p.79 ×2
unresolved
org
PT Telkom International Indonesia
p.79 ×2
unresolved
—
Asah
· Direktur
p.80
unresolved
org
PT Efektifpro Knowledge Source
p.80 ×9
unresolved
org
PT Effectivepro Knowledge Source
p.80 ×2
unresolved
org
PT Raharja Duta Solusindo
p.81 ×2
unresolved
org
Nasional Sertifikasi
p.81
unresolved
org
Permata Tbk
p.81
unresolved
—
Keberlanjutan Arief Tende
· Direktur
p.82 ×3
unresolved
org
PT LSPP
p.82
unresolved
org
Bank Risk Syariah Risk Management
p.83
unresolved
org
PT Debeka Putra Mandiri
p.83 ×2
unresolved
org
PT Bank Internasional
p.83
unresolved
org
PT Bank Internasional Indonesia
p.83
unresolved
org
PT Bank International Kantor Pusat
p.83
unresolved
org
PT Trias Abadi Cemerlang
p.83
unresolved
org
PT The Bright Eternal Triassic
p.83
unresolved
org
PT Bank Central Asia Kantor Pusat
p.83
unresolved
org
PT Infarco Pondok Wisata
p.83
unresolved
person
Ganda
p.84
unresolved
org
PT Allo Di
p.84
unresolved
org
Kementerian Komunikasi Informatika Republik Indonesia
p.84
unresolved
org
Bank Umum Syariah
p.85
unresolved
org
PT Efektifpro Knowledge
p.85
unresolved
org
Bank Digital Dan Fintech
p.85
unresolved
org
Bank ANZ Indonesia
p.86 ×2
unresolved
org
Bank Sahabat Sampoerna
p.86 ×2
unresolved
person
Sajal
p.87
unresolved
org
Communications Pvt. Ltd.
p.87 ×2
unresolved
org
PT Investree Radhika HSBC
p.88
unresolved
org
PT Hospitality
p.88
unresolved
org
PT Investree Radhika Jaya Chartered
p.88
unresolved
org
PT Sinar
p.88
unresolved
org
PT Bank Mandiri Indonesia
p.88
unresolved
org
PT Bank QNB
p.90
unresolved
org
Deputy General Indonesia Tbk
p.90
unresolved
org
PT Akseleran Keuangan Inklusif
p.90
unresolved
org
PT Bank KEB Hana Indonesia He
p.90
unresolved
org
PT Akseleran
p.90
unresolved
org
Bank E-Channel Reconciliation
p.95
unresolved
org
Bank Papan Sejahtera
p.95 ×2
unresolved
org
Pengkajian dan Penarapan Beliau
p.95
unresolved
org
Bank International Indonesia
p.95
unresolved
person
Enimarya Agoes Suwarko
· Notaris
p.111
unresolved
org
Menteri Kehakiman
p.111
unresolved
person
Dedy Syamri
· Notaris
p.111 ×3
unresolved
org
Directorate General of General Legal Administration
p.111
unresolved
org
Kementerian Hukum dan Hak Asasi
p.111
unresolved
person
Zainal Rahman
· Komisaris
p.111
unresolved
org
Directorate General of Jenderal Administrasi Hukum Umum Kementerian Hukum dan Hak
p.113
unresolved
org
Ministry of Law and Human Rights Asasi Manusia Republik Indonesia
p.113
unresolved
person
Piagam
· Komisaris
p.121
unresolved
org
PT Garda Multi Risk Management Certification Briefing
p.122
unresolved
org
Bank Risk Management Certification Briefing
p.122 ×3
unresolved
org
Bank Forum
p.122 ×7
unresolved
org
Bank Allo Bank Forum
p.122 ×5
unresolved
org
Bank Innovate Safely
p.122 ×5
unresolved
org
Seminar Penyelarasan Manajemen Risiko Bagi
· Komisaris
p.122 ×2
unresolved
org
Kementerian Transaksi Elektronik dan Perkembangan RPP Pelindungan Data
p.124 ×5
unresolved
org
Ministry of Personal Data Protection RPP
p.124 ×4
unresolved
org
PT Nalar Teknologi Security Awareness ISO
p.124 ×5
unresolved
org
Bank Table Top
p.124 ×4
unresolved
org
Bank Innovate Safely Or Risk IT All
p.127 ×2
unresolved
org
PT Visionet Data Ekonomi Digital
p.128
unresolved
org
Bank Delima
p.130
unresolved
org
Bank Accelerate Growth
p.130
unresolved
org
Ministry of Communications and Information Technology
p.130
unresolved
org
PT Trans Kalla
p.168
unresolved
org
PT Mega Finance Owned
p.168
unresolved
org
PT Mega Central
p.168
unresolved
org
PT Mega Auto
p.168
unresolved
org
PT Trans Fashion
p.168
unresolved
org
PT Metropolitan
p.168
unresolved
org
PT Alfa Retailindo Owned
p.168
unresolved
org
PT Para Bandung
p.168
unresolved
org
Yayasan CT Arsa Owned
p.168
Extraction attempts how the parser did, and what it refused
Nothing structured was extracted from this document — the attempts below say why.
No extraction attempted yet.