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MOVING FORWARD TO ACCELERATED GROWTH AND STRONGER GOVERNANCE
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SANGGAHAN DAN BATASAN TANGGUNG JAWAB Disclaimer and Scope of Responsibilities Laporan Tahunan 2023 PT Bank Victoria International Tbk The 2023 Annual Report of PT Bank Victoria International Tbk (yang selanjutnya disebut Bank Victoria atau Bank) ini disusun (hereinafter referred to as Bank Victoria or Bank) was prepared untuk memenuhi ketentuan pelaporan hasil kinerja Bank pada to meet the requirements of reporting the Bank performance periode 1 Januari 2023 sampai dengan 31 Desember 2023 results for the period of 1 January 2023 to 31 December 2023 kepada regulator dan pemangku kepentingan. Laporan Tahunan to the regulator and stakeholders. This Annual Report was ini antara lain disusun berdasarkan Peraturan Otoritas Jasa compiled based on Financial Services Authority Regulation Keuangan No. 29/POJK.04/2016 tentang Laporan Tahunan Emiten No. 29/POJK.04/2016 on Annual Reports of Issuers or Public atau Perusahaan Publik dengan muatan konten sesuai Surat Companies with contents in accordance with Financial Services Edaran Otoritas Jasa Keuangan No. 16/SEOJK.04/2021 tentang Authority Circular No. 16/SEOJK.04/2021 on the Form and Bentuk dan Isi Laporan Tahunan Emiten atau Perusahaan Publik. Content of Annual Reports of Issuers or Public Companies. Laporan Tahunan ini memuat pernyataan terkait tujuan, kebijakan, This Annual Report contains statements related to objectives, rencana, strategi, serta hasil operasi dan keuangan yang disusun policies, plans, strategies, and results of operations and finance berdasarkan data faktual yang dapat dipertanggungjawabkan compiled based on factual data that is justifiable. In addition, this kebenarannya. Selain itu, Laporan Tahunan ini juga menyajikan Annual Report also presents information related to the Bank work informasi terkait proyeksi kerja Bank di tahun selanjutnya yang projections for the following year compiled based on prospective disusun berdasarkan pernyataan-pernyataan prospektif dan statements and various assumptions regarding the Bank’s future berbagai asumsi mengenai kondisi mendatang Bank, serta conditions, as well as the related business environment, which lingkungan bisnis yang terkait, sehingga dapat mengakibatkan may result in actual developments that are materially different perkembangan aktual secara material berbeda dari yang from those reported. Therefore, the Bank urges stakeholders to dilaporkan. Oleh karena itu, Bank mengimbau agar pemangku use the information with discretion in their decision making. kepentingan dapat menggunakan informasi tersebut secara bijak dalam pengambilan keputusan.
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MOVING FORWARD
TO ACCELERATED
GROWTH AND
STRONGER
GOVERNANCE
PT Bank Victoria International Tbk menyambut baik 2023
setiap potensi pertumbuhan ekonomi dan stabilitas Laporan Tahunan dan Keberlanjutan
Annual and Sustainability Report
sistem keuangan dengan optimis, namun tetap realistis
dan reliabel. Hal ini terlihat dari strategi dan kebijakan PT Bank Victoria International Tbk welcomes any potential
yang ditempuh Bank yang menekankan pada akselerasi for economic growth and financial system stability with
pertumbuhan bisnis yang prudent dan berkelanjutan optimism, but remains realistic and reliable. This can be
melalui inovasi produk dan layanan berbasis digital yang seen from the strategies and policies adopted by the Bank,
disertai dengan penguatan implementasi tata kelola which emphasize accelerating prudent and sustainable
perusahaan yang baik dan berkelanjutan, termasuk business growth through digital-based product and
manajemen risiko yang komprehensif. Melalui penerapan service innovation, accompanied by strengthening the
strategi secara ketat namun adaptif, serta bertahap implementation of good and sustainable corporate
namun terarah, Bank akan mampu meraih pertumbuhan governance, including comprehensive risk management.
yang sehat dan berkelanjutan. By implementing strict-but-adaptive, gradual-but-
directed strategies, the Bank will be able to achieve sound
and sustainable growth.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 1
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INNOVATION AND GOVERNANCE FOR
HIGHER LEVEL OF CONVENIENCE BANKING
PT Bank Victoria International Tbk terus menjalankan rencana bisnis yang prudent dengan
mempertimbangkan skala usaha, tingkat kesehatan keuangan, serta arah pertumbuhan ke depan.
Sebagai bentuk perwujudannya, di tahun 2022, Bank melakukan pengembangan secara berkelanjutan
terhadap internet banking dan mobile banking untuk memberikan produk dan layanan yang kompetitif.
Diversifikasi pada portfolio kredit juga dilakukan dengan disertai upaya membangun kredit channeling dan
ekosistem digital lending sebagai salah satu pilar utama pertumbuhan operasional dan keuangan yang
PT Bank Victoria International Tbk
Laporan Tahunan 2022 Annual Report
berkelanjutan. Inovasi yang sejalan dengan penyempurnaan sistem tata kelola yang sedang berjalan ini
diyakini akan membawa Bank naik pada posisi yang lebih tinggi di industri perbankan nasional.
2022 PT Bank Victoria International Tbk keeps executing a sensible business strategy while taking into account
the size of the company, its level of financial stability, and its projected growth paths. In order to provide
customers with competitive goods and services, the Bank continue to improve its internet banking and
mobile banking in 2022. The diversification of the credit portfolio has also undertaken along with efforts
to create credit channeling and digital lending ecosystems as one of the key foundations of sustainable
operational and financial growth. The Bank is expected to leveling up in the national banking sector as a
result of this innovation, which is in line with the continual improvement of the governance system.
INNOVATION AND GOVERNANCE
FOR HIGHER LEVEL OF CONVENIENCE BANKING
Dalam menghadapi dinamika bisnis dan ketidakpastian ekonomi yang masih berlanjut di tahun 2021,
PT Bank Victoria International Tbk mempercepat perubahan dalam memberikan layanan serta menghadirkan
produk dan aktivitas baru yang sesuai dengan kebutuhan nasabah. Bank dengan cepat beradaptasi terhadap
pola bisnis digital dengan membudayakan Safe (keamanan), Quick (kecepatan), Easy (kemudahan), and
Warm (kenyamanan dan kedekatan) pada sisi layanan, produk, proses, cara kerja, nuansa, dan lainnya.
Transformasi struktural dan fundamental ini disertai dengan upaya mencari sumber pertumbuhan yang sehat
dan cepat melalui pengembangan porsi simpanan deposan retail serta peningkatan kualitas kredit pada
segmen UKM dan komersial yang dipandang memiliki prospek pertumbuhan yang baik. Strategi ini ditunjang
dengan optimalisasi pemanfaatan fitur Internet Banking and Mobile Banking (IBMB) serta Internet Banking
2021 Business (ViBiz) yang telah dimiliki Bank. Seluruh kebijakan dan strategi tersebut diimplementasikan dengan
prinsip kehati-hatian serta mempertimbangkan arah pertumbuhan usaha yang berkelanjutan, penerapan tata
kelola perusahaan yang baik, serta penciptaan nilai bagi seluruh pemangku kepentingan.
In facing the ongoing business dynamics and economic uncertainty in 2021, PT Bank Victoria International Tbk
accelerated its changes in providing services and presenting new products and activities that suit customer
needs. The Bank quickly adapts to the digital business patterns by cultivating Safe (security), Quick (speed),
Easy (convenience), and Warm (comfort and proximity) in terms of services, products, processes, working
methods, nuances, and others. This structural and fundamental transformation is supported by efforts
to find sources of sound and fast growth through developing retail depositors’ portion and improving
loan quality in SME and commercial segments which are deemed as having good growth prospects.
These strategies are supported by optimizing the utilization of the Bank’s Internet Banking and Mobile
Banking (IBMB) and Internet Banking Business (ViBiz) features. All of these policies and strategies are
implemented with prudence principles and with due observance to the direction of sustainable business
growth, implementation of good corporate governance, and value creation for all stakeholders.
2 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Keunggulan Kompetitif
Competitive Advantages
Memiliki Jaringan
Kantor Operasional yang
Berfokus pada Penetrasi
Pasar
Having Operational Office
Network that Focuses on
Market Penetration
Menerapkan Good Personal Customer Relation
Approach (Relationship Banking)
Implementing the Good Personal Customer
Relation Approach (Relationship Banking)
Inovasi Produk
dan Layanan
Product and Service
Innovations
Manajemen yang Kuat,
Berpengalaman dan Berdedikasi
dengan Visi dan Misi Baru, serta
Memiliki Komitmen Tinggi pada
Peningkatan Penerapan GCG
Strong, Experienced, and
Dedicated Management with
Memiliki Tingkat Memiliki Potensi Sinergi
New Vision and Mission, as
Kecukupan Modal yang dan Saling Menguntungkan
well as High Commitment on
Kuat dengan Seluruh Grup Usaha
Improving GCG implementation
Having Strong Capital Potential Synergy and
Adequacy Mutual Benefits with All
Business Groups
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 3
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Komitmen dan Strategi Keberlanjutan
Sustainability Commitment and Strategy
Sebagai lembaga keuangan, Bank Victoria menyadari pentingnya As a financial institution, Bank Victoria realizes the importance
isu penerapan keuangan berkelanjutan dengan mengedepankan of issue of implementing sustainable finance by prioritizing the
prinsip triple bottom line dalam kegiatan usaha Bank, yakni triple bottom line principles in the Bank’s business activities. The
people, profit dan planet. Di mana aspek ekonomi, sosial dan principles are people, profit, and planet, in which economic, social,
lingkungan hidup merupakan 3 (tiga) hal yang seharusnya and environmental aspects are 3 (three) matters that should work
berjalan selaras dengan tetap menjalankan tata kelola yang baik. in harmony while maintaining a good governance. On such basis,
Atas dasar tersebut, Bank Victoria terus berkomitmen untuk Bank Victoria is constantly committed to becoming a financial
menjadi lembaga keuangan yang memberikan pertumbuhan institution that provides sustainable economic and business
ekonomi dan bisnis yang berkesinambungan bagi seluruh lapisan growth for all society levels through inclusive services, providing
masyarakat melalui layanan inklusi, memberi dampak positif a positive impact on society by increasing financial literacy,
kepada masyarakat dengan meningkatkan literasi keuangan, providing environmentally responsible financing, establishing
memberikan pembiayaan yang bertanggung jawab terhadap best working conditions for employees, as well as implementing
lingkungan, menciptakan kondisi kerja terbaik bagi karyawan, good business ethics by complying with the applicable laws and
serta menerapkan etika bisnis yang baik dengan mematuhi regulations.
peraturan dan perundang-undangan yang berlaku.
Seluruh tujuan dari penerapan keuangan berkelanjutan Bank All objectives of the Bank’s implementation of sustainable
pada hakikatnya selaras dengan berbagai rumusan tujuan yang finance are essentially in line with various goal formulations set
terdapat dalam Tujuan Pembangunan Berkelanjutan (SDGs). out in the Sustainable Development Goals (SDGs). Therefore, as a
Oleh karena itu, sebagai wujud nyata komitmen Bank terhadap concrete manifestation of the Bank’s commitment to sustainable
pembangunan berkelanjutan dan penerapan prinsip keuangan development and implementation of sustainable finance
berkelanjutan, Bank Victoria telah menyusun program atau principles, Bank Victoria has prepared a long-term program or
rencana kerja jangka panjang yang termuat dalam Rencana Aksi work plan which is set out in the Sustainable Finance Action Plan
Keuangan Berkelanjutan (RAKB). (RAKB).
RAKB menjadi pedoman dalam penerapan keuangan RAKB is a guideline for implementing sustainable finance at
berkelanjutan di Bank Victoria agar berjalan secara terarah Bank Victoria so that it runs in a directed and measurable
dan terukur, sesuai dengan target yang telah direncanakan. manner, according to the planned targets. The implementation
Pelaksanaan pada tahun 2023 dilakukan sesuai RAKB Tahun in 2023 was carried out in accordance with the 2023-2027 RAKB
2023-2027 yang disampaikan kepada Otoritas Jasa Keuangan which was submitted to the Financial Services Authority on
pada tanggal 30 November 2022. 30 November 2022.
Prioritas Penerapan Keuangan Berkelanjutan Priority of Sustainable Finance Implementation
RAKB yang telah disusun mengandung beberapa prioritas The RAKB that has been prepared consists of the main priorities
utama dalam penerapan keuangan berkelanjutan, sebagaimana in applying sustainable finance, as described below:
diuraikan berikut:
1. Pengembangan Kapasitas Internal Bank 1. Bank’s Internal Capacity Development
Untuk meningkatkan kualitas penerapan prinsip keuangan To improve the implementation quality of the sustainable
berkelanjutan yang dilakukan, maka kami senantiasa finance principles, we strive to increase personnel’s
berupaya untuk meningkatkan pemahaman seluruh karyawan understanding through various competency development
melalui berbagai kegiatan pengembangan kompetensi yang activities organized by both internal and external parties of
diselenggarakan, baik oleh pihak internal maupun eksternal the Bank. Gradually, all employees have attended competence
Bank. Secara bertahap, seluruh karyawan telah mendapatkan development programs and understood sustainable finance
pengembangan kompetensi dan memahami perihal issues in accordance with the Bank’s business complexity in
keuangan berkelanjutan yang sesuai dengan kompleksitas 2024.
usaha Bank pada tahun 2024.
4 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Selain kegiatan pengembangan kompetensi terkait keuangan In addition to competence development activities related to
berkelanjutan di internal Bank, kami juga melakukan sustainable finance within the Bank, we have also adjusted
penyesuaian tugas dan tanggung jawab karyawan yang telah employees’ duties and responsibilities which have been fully
dilaksanakan secara keseluruhan sejak tahun 2021. carried out since 2021.
2. Penyesuaian Peraturan Internal Bank 2. Adjustment to the Bank’s Internal Regulations
Bank akan melakukan penyesuaian peraturan internal The Bank will adjust internal regulations including policies
mencakup kebijakan serta prosedur terkait praktik operasional and procedures related to environmentally- friendly banking
perbankan yang ramah lingkungan dan sesuai dengan prinsip operational practices, in line with the sustainable finance
keuangan berkelanjutan. Adapun pelaksanaannya akan principles. The implementation began in 2023 with the
dilakukan sejak tahun 2023 dengan tahapan sebagai berikut: following stages.
2023 Mapping & Review
Menyempurnakan Kebijakan Manajemen Risiko Keuangan Berkelanjutan dengan Memasukkan Aspek Risiko Lingkungan Hidup
2024 dan Sosial
Refining the Sustainable Finance Risk Management Policy by Incorporating Environmental and Social Risk Aspects
2025 Mapping & Review
Mengintegrasikan Aspek Lingkungan Hidup dan Sosial dalam Kebijakan Tata Kelola Perusahaan
2026
Integrating Environmental and Social Aspects in the Corporate Governance Policy
3. Pengembangan Bisnis yang Mendukung Keuangan 3. Business Development that Supports Sustainable Finance
Berkelanjutan
Dalam rangka mendukung penerapan keuangan To support the implementation of sustainable finance, the
berkelanjutan, Bank berkomitmen untuk mendanai proyek Bank is committed to funding environmentally friendly
bisnis yang ramah lingkungan sebanyak 11% dari kredit yang business projects by 11% of the credit provided to the
diberikan untuk sektor industri pengolahan. processing industry sector.
4. Kegiatan Pendukung Keuangan Berkelanjutan 4. Sustainable Finance Support Activities
Bank melakukan berbagai kegiatan pendukung dalam upaya The Bank carries out various supporting activities in
penerapan keuangan berkelanjutan seperti efisiensi kegiatan implementing sustainable finance such as efficiency of daily
operasional sehari-hari serta kegiatan tanggung jawab sosial operational activities and corporate social responsibility
perusahaan (CSR) yang sejalan dengan prinsip keuangan (CSR) activities aligned with Bank Victoria’s sustainable
berkelanjutan Bank Victoria. finance principles.
RAKB Bank Victoria Tahun 2023-2027 Bank Victoria’s RAKB 2023-2027
Bank Victoria telah menyusun aksi keberlanjutan yang akan Bank Victoria has formulated sustainable actions to be
dilaksanakan berdasarkan prioritas keuangan berkelanjutan implemented based on sustainable finance priorities. The
yang dimiliki. Periode pelaksanaannya dimulai sejak tahun 2023 implementation period starts from 2023 to 2027 with various
hingga tahun 2027 dengan berbagai program yang ditunjukkan programs as shown below:
sebagai berikut:
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 5
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Program Pertama: Pengembangan Kapasitas First Program: Bank’s Internal Capacity
Internal Bank Development
Pencapaian target RAKB perlu didukung oleh pemahaman setiap RAKB target achievement needs to be supported by each party’s
pihak, baik karyawan maupun debitur terkait prinsip-prinsip understanding, employees and debtors, regarding the sustainable
keuangan berkelanjutan yang diterapkan Bank. Selanjutnya, finance principles applied by the Bank. Furthermore, adjustments
dilakukan penyesuaian tugas bagi karyawan yang bertanggung were made to duties of employees responsible for implementing
jawab terhadap penerapan keuangan berkelanjutan di lingkungan sustainable finance within Bank Victoria.
kerja Bank Victoria.
Indikator Target Penanggung
Uraian Kegiatan
Keberhasilan Jawab Target SDGs
Description of SDGs Target
Indicator of 2023 2024 2025 2026 2027 Person in
Activities
Success Charge
Training of trainers. Menjadi bagian dari Training Perihal Keuangan Berkelanjutan.
Becoming part of the Sustainable Finance Training.
Pelatihan terkait penerapan • Pengurangan 100% 100% 100% 80% 100% Human Capital
prinsip keuangan penggunaan botol Management &
berkelanjutan untuk pihak minum plastik; General Affair
internal. • Penghematan
Training related to the energi; dan
application of sustainable • Pelaksanaan
finance principles for pelatihan keuangan
internal parties. berkelanjutan.
• Reduction in the
usage of plastic
drinking bottles;
• Energy savings; and
• The organization
of training in
sustainable finance.
Pelatihan untuk pihak Pembinaan bagi 80% 100% 100% 100% 100% Human Capital
eksternal yang bekerja debitur atau Management
sama dengan Divisi Bisnis. calon debitur & Divisi Bisnis
Training for external terkait keuangan / Business
parties cooperating with berkelanjutan. Division
the Business Division. Development
activities for debtors
or potential debtors
related to sustainable
finance.
Penyesuaian uraian Penyusunan key 100% 100% 100% 100% 100% Human Capital
tugas terkait keuangan performance indicator Management
-
berkelanjutan. (KPI) serta uraian
Adjustments to the tugas dan tanggung
description of duties jawab yang jelas.
related to sustainable Preparing key
finance. performance
indicators (KPIs) and
clear description
of duties and
responsibilities.
Tantangan Program ini yakni melibatkan berbagai pihak sehingga sulit untuk mengatur waktu pelatihan dari setiap Divisi.
Challenges This program involves various parties, making it difficult to arrange training times for each Division.
Strategi/Rencana ke Depan Mengadakan pelatihan dalam beberapa batch sehingga memungkinkan para pemangku kepentingan dapat mengikuti
Future Strategies/Plans kegiatan pelatihan.
Hold training in several batches to enable stakeholders to participate in training activities.
6 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Program Kedua: Penyesuaian Peraturan Internal Second Program: Adjustment To The Bank’s
Bank Internal Regulations
Peraturan internal Bank yang sesuai dengan prinsip-prinsip Bank’s internal regulations that comply with sustainable finance
keuangan berkelanjutan merupakan hal yang penting principles are important in achieving the goal of implementing
dalam mencapai tujuan penerapan keuangan berkelanjutan sustainable finance at Bank Victoria.
di Bank Victoria.
Indikator Target Penanggung
Uraian Kegiatan
Keberhasilan Jawab Target SDGs
Description of SDGs Target
Indicator of 2023 2024 2025 2026 2027 Person in
Activities
Success Charge
Penyesuaian kebijakan Penyesuaian 87% 100% 100% 100% 100% Compliance
dan/atau SOP yang terkait kebijakan dan/atau & System
-
keuangan berkelanjutan. SOP yang terkait Procedure dan
Adjustments to policies dengan keuangan Unit Terkait /
and/or SOP related to berkelanjutan dengan and Related
sustainable finance. rencana kerja 5 Unit
tahunan Bank.
Adjustments to
policies and/or
SOP concerning
sustainable finance
to the Bank’s 5-year
work plan.
Tantangan Keterbatasan waktu yang tersedia untuk menyesuaikan peraturan internal dengan prinsip-prinsip keuangan
Challenges berkelanjutan.
Limited time available to adjust the internal regulations to sustainable finance principles.
Strategi/Rencana ke Depan Menetapkan timeline program serta melibatkan para pemangku kepentingan dalam proses penentuan dan
Future Strategies/Plans penyesuaian peraturan internal.
Determining the program timeline and involving stakeholders in the process of determining and adjusting internal
regulations.
Program Ketiga: Pengembangan Bisnis yang Third Program: Business Development That
Mendukung Keuangan Berkelanjutan Supports Sustainable Finance
Bank berkomitmen untuk mendorong pertumbuhan ekonomi The Bank is committed to encouraging economic growth through
melalui pembiayaan usaha yang tergolong kegiatan usaha financing business classified as a sustainable business activity.
berkelanjutan.
Indikator Target Penanggung
Uraian Kegiatan
Keberhasilan Jawab Target SDGs
Description of SDGs Target
Indicator of 2023 2024 2025 2026 2027 Person in
Activities
Success Charge
Pembiayaan pada industri Dilakukan Perubahan Uraian Kegiatan.
manufaktur. Changes to the Description of Activity.
Financing for manufacturing
industry.
Pembiayaan terhadap Pembiayaan kepada + 50 + 50 + 75 + 75 + 75 SME,
Usaha yang mendukung debitur yang memenuhi Miliar Miliar Miliar Miliar Miliar Commercial
keuangan berkelanjutan. kriteria kegiatan usaha Billion Billion Billion Billion Billion Banking,
Financing for Businesses berkelanjutan sesuai Multifinance
that support sustainable dengan SDGs. and
finance. Financing to debtors Commercial
who meet the criteria Banking, dan /
for sustainable business and Corporate
activities in accordance Banking.
with the SDGs.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 7
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Indikator Target Penanggung
Uraian Kegiatan
Keberhasilan Jawab Target SDGs
Description of SDGs Target
Indicator of 2023 2024 2025 2026 2027 Person in
Activities
Success Charge
Tantangan Terbatasnya waktu untuk melakukan pengembangan bisnis melalui penyediaan layanan perbankan kepada debitur
Challenges yang berwawasan lingkungan.
Limited time to carry out business development through the provision of banking services to the environmentally
sound debtors.
Strategi/Rencana ke Depan Melakukan upaya pemetaan pembiayaan yang didukung kebijakan terkait keuangan berkelanjutan.
Future Strategies/Plans Carry out financing mapping efforts that are supported by policies related to sustainable finance.
Program Keempat: Kegiatan Pendukung Keuangan Fourth Program: Sustainable Finance Support
Berkelanjutan Activities
Bank melakukan berbagai kegiatan pendukung untuk The Bank carries out various supporting activities to optimally
memaksimalkan manfaat dari penerapan prinsip-prinsip manage the benefits of implementing sustainable finance
keuangan berkelanjutan yang dilakukan. principles.
Indikator Target Penanggung
Uraian Kegiatan
Keberhasilan Jawab Target SDGs
Description of SDGs Target
Indicator of 2023 2024 2025 2026 2027 Person in
Activities
Success Charge
Program CSR. CSR berkelanjutan 10% 12% 15% 15% 15% Human Capital
CSR Program. di bidang kesehatan, Management &
pendidikan, dan sosial General Affair
kemasyarakatan.
Sustainable CSR in
health, education, and
social community.
Kebijakan penghematan Penghematan 16% 20% 22% 22% 22% General Affair
kertas. kertas dengan
Policies for paper saving. penggunaan surat
elektronik.
Paper saving by using
electronic mails.
Tantangan Terbatasnya aktivitas pelaksanaan program CSR akibat adanya Pandemi Covid-19, sehingga mempersulit pengukuran
Challenges dampak kegiatan bagi masyarakat.
Limited CSR program implementation activities due to the Covid-19 pandemic, making it difficult to measure the
impact of activities on society.
Strategi/Rencana ke Depan Melakukan pengukuran melalui survei lapangan atau memanfaatkan data yang dikeluarkan instansi lain yang terkait.
Future Strategies/Plans Measure by conducting field surveys or utilizing data issued by other relevant agencies.
8 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Penentuan Isi dan Topik Material Laporan
Keberlanjutan
Determining Contents and Material Topics of The Sustainability Report
Pelibatan Pemangku Kepentingan Stakeholders Engagement
Pemangku kepentingan memiliki peranan yang penting dalam Stakeholders play an important role in implementing sustainability
penerapan keberlanjutan di lingkungan Bank Victoria. Oleh within Bank Victoria. Therefore, in every decision making, the
karena itu, dalam setiap pengambilan keputusan, Bank senantiasa Bank always pays attention to the interests and aspirations
memperhatikan kepentingan dan aspirasi para pemangku of stakeholders. The Bank has identified and determined the
kepentingan. Bank telah mengidentifikasi dan menentukan parties included in the stakeholder groups along with the Bank’s
pihak-pihak yang termasuk dalam kelompok pemangku response in meeting the needs of each stakeholder group, as
kepentingan beserta dengan respons Bank dalam memenuhi described below:
kebutuhan masing-masing kelompok pemangku kepentingan
tersebut, sebagaimana diuraikan berikut:
Kelompok Respons terhadap
Frekuensi
Pemangku Kebutuhan Pemangku Kebutuhan Pemangku
Metode Pelibatan Pelaksanaan
Kepentingan Kepentingan Kepentingan
Engagement Methods Implementation
Stakeholders Stakeholders Needs Respond to Stakeholders
Frequency
Group Needs
Nasabah • Kualitas produk dan jasa • Mengembangkan produk dan • Pelaksanaan customer Sepanjang tahun
Customers perbankan; jasa Bank; gathering; atau sesuai
• Keamanan transaksi perbankan • Meningkatkan keandalan • Pelaksanaan survei kebutuhan.
mencakup dana dan informasi teknologi informasi yang kepuasan nasabah; serta All year round or as
nasabah; digunakan; • Penyediaan sarana needed.
• Informasi yang jelas dan • Memastikan keamanan produk pengaduan bagi nasabah.
transparan; serta dan jasa yang diberikan; serta • Organizing customer
• Reward bagi nasabah. • Mengadakan program undian gathering event;
• Quality of banking products berhadiah. • Conducting customer
and services; • Developing the Bank’s satisfaction survey; and
• Security of banking products and services; • Providing complaint
transactions including • Improving the reliability of the channel for customers.
the customer’s funds and information technology used;
information; • Ensuring the safety the
• Clear and transparent products and services
information; and provided; and
• Reward for customers. • Organizing a lucky.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 9
Page 12
Kelompok Respons terhadap
Frekuensi
Pemangku Kebutuhan Pemangku Kebutuhan Pemangku
Metode Pelibatan Pelaksanaan
Kepentingan Kepentingan Kepentingan
Engagement Methods Implementation
Stakeholders Stakeholders Needs Respond to Stakeholders
Frequency
Group Needs
Karyawan • Pemenuhan hak • Memenuhi kontrak kerja dan • Penyelenggaraan gathering Sepanjang tahun
Employee ketenagakerjaan; perjanjian kerja bersama; karyawan dan focus group atau sesuai rencana
• Pemenuhan aspek kesehatan • Memastikan kecukupan sarana discussion (FGD); pelaksanaan
dan keselamatan kerja (K3); dan prasarana K3, termasuk • Penyediaan whistleblowing program.
• Pengembangan kompetensi upaya pencegahan penyebaran system (WBS) untuk All year round or
dan karier; serta virus Covid-19 di lingkungan melaporkan pelanggaran according to the
• Kepuasan kerja. kerja; praktik ketenagakerjaan di program
• Fulfillment of employees’ • Melaksanakan pengembangan lingkungan Bank; implementation
rights; kompetensi, penilaian kinerja, • Pelaksanaan berbagai plan.
• Fulfillment of occupational dan pengembangan karier; kegiatan pendidikan dan
health and safety (OHS) • Menyampaikan kebijakan pelatihan, serta promosi
aspect; terbaru Bank kepada seluruh atau mutasi; serta
• Competency and career karyawan; serta • Pelaksanaan survei
development; and • Menyelenggarakan program kepuasan karyawan.
• Job satisfaction. beasiswa bagi anak karyawan. • Organizing employee
• Fulfilling work contracts and gathering and focus group
collective labor agreements; discussion (FGD);
• Ensuring the adequacy of OHS • Provision of a
facilities and infrastructures, whistleblowing system
including the measures to (WBS) to report violations
prevent Covid-19 outbreak in of labor practice within the
the work environment; Bank;
• Conducting competency • Implementation of various
development, performance educational and training
assessment, and career activities, as well as
development; promotions or transfers; and
• Delivering the latest Bank • Implementation of
policies to all employees; and employee satisfaction
• Providing scholarships for survey.
employees’ children.
Pemerintah dan • Kepatuhan terhadap peraturan • Memastikan pemenuhan • Penyampaian Laporan Sesuai waktu yang
Regulator yang berlaku; serta seluruh peraturan yang berlaku Tahunan, Laporan ditentukan, sesuai
Government and • Pemenuhan kewajiban bagi Bank; Keberlanjutan, Laporan kebutuhan, atau
Regulator perpajakan. • Meningkatkan kualitas GCG, dan laporan lainnya; setiap tahun.
• Compliance with the pelaksanaan tata kelola serta According to the
applicable regulations; and perusahaan (GCG); serta • Pembayaran dan pelaporan time set, needs, or
• Fulfillment of taxation • Membayar pajak dan pajak dan PNBP. annually.
obligations. penerimaan negara bukan • Submission of Annual
pajak (PNBP). Report, Sustainability
• Ensuring compliance with all Report, GCG Report, and
regulations applicable to the other reports; and
Bank; • Payment and reporting of
• Improving the quality of taxes and PNBP.
corporate governance (GCG)
implementation; and
• Paying taxes and non-tax state
revenue (PNBP).
Pemegang Saham • Kinerja keuangan dan • Menyusun Rencana Bisnis Bank • Pelaksanaan Rapat Umum Sesuai waktu yang
dan Investor non-keuangan; (RBB) dan RAKB; Pemegang Saham (RUPS); ditentukan, sesuai
Shareholders and • Keberlanjutan usaha; serta • Menjaga kinerja Bank tetap • Penyampaian Laporan kebutuhan, atau
Investors • Informasi yang jelas dan terkini optimal dan sesuai target, Tahunan dan Laporan setiap tahun.
terkait arah strategis Bank. dengan memperhatikan Keberlanjutan; serta According to the
• Financial and non- financial aspek ekonomi, sosial, dan • Akses informasi dalam situs time set, needs, or
performance; lingkungan; serta web Bank. annually.
• Business sustainability; and • Menyampaikan informasi • Convention of the General
• Clear and updated information mutakhir secara transparan. Meeting of Shareholders
related to the Bank’s strategic • Preparing the Bank’s Business (GMS);
direction. Plan (RBB) and RAKB; • Submission of Annual
• Maintaining the Bank’s Report and Sustainability
performance to keep optimal Report; and
and on target, by considering • Access to information on
the economic, social, and the Bank’s website.
environmental aspects; and
• Delivering the latest
information transparently.
10 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Kelompok Respons terhadap
Frekuensi
Pemangku Kebutuhan Pemangku Kebutuhan Pemangku
Metode Pelibatan Pelaksanaan
Kepentingan Kepentingan Kepentingan
Engagement Methods Implementation
Stakeholders Stakeholders Needs Respond to Stakeholders
Frequency
Group Needs
Mitra Usaha • Pemenuhan kontrak kerja; • Melakukan kerja sama yang • Perumusan kontrak kerja Sepanjang tahun
Business Partners serta adil dan transparan sesuai sama; serta atau sesuai
• Kepuasan kerja sama. dengan peraturan dan kontrak • Pelaksanaan pertemuan kebutuhan.
• Fulfillment of work contracts; kerja yang berlaku; serta berkala. All year round or as
and • Membangun hubungan kerja • Formulation of cooperation needed.
• Cooperation satisfaction. yang harmonis dengan mitra contract; and
usaha. • Organizing regular
• Conducting fair and meetings.
transparent cooperation in
accordance with the applicable
regulations and work
contracts; and
• Building harmonious working
relationship with business
partners.
Masyarakat • Informasi aktivitas dan • Melibatkan masyarakat dalam • Pelaksanaan berbagai Sesuai rencana
Community perkembangan usaha Bank; program kemitraan dan aksi program pengembangan pelaksanaan atau
serta sosial Bank; masyarakat dan kemitraan; sesuai kebutuhan.
• Peningkatan kesejahteraan • Memberikan kesempatan kerja; • Penyediaan sarana According to the
masyarakat. serta pengaduan bagi masyarakat; implementation plan
• Information on the Bank’s • Menyampaikan informasi dan or as necessary.
business activities and mutakhir dalam media sosial • Penyediaan akses informasi
development; and Bank. dalam media sosial Bank.
• Improvement of public health. • Engaging the community in • Conducting various
partnership program and the community and partnership
Bank’s social acts; development programs;
• Providing job opportunities; • Providing complaint
and channel for communities;
• Delivering latest information and
on the Bank’s social media. • Providing access to
information on the Bank’s
social media.
Media • Kinerja keuangan dan Menyediakan informasi secara • Pelaksanaan paparan publik Sesuai kebutuhan.
non-keuangan Bank; serta transparan dan relevan melalui dan media gathering; serta As necessary.
• Informasi terkait media sosial Bank. • Pemutakhiran informasi
perkembangan Bank. Providing information pada media sosial Bank.
• The Bank’s financial and transparently and relevantly • Conducting public expose
non-financial performance; and through the Bank’s social media. and organizing media
• Information related to the gathering; and
Bank’s development. • Updating information on the
Bank’s social media.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 11
Page 14
Daftar Isi
Table of Contents
Sanggahan dan Batasan Tanggung Jawab / Disclaimer and Scope of Responsibilities ii
Keunggulan Kompetitif / Competitive Advantages 3
Komitmen dan Strategi Keberlanjutan / Sustainability Commitment and Strategy 4
Penentuan Isi dan Topik Material Laporan Keberlanjutan / Determining Contents and Material Topics of The Sustainability Report 9
Daftar Isi / Table of Contents 12
Kilas Kinerja Profil Kepala Kantor Cabang Utama / Profile of Main Branch Office Head 87
Performance Highlights Komposisi Pemegang Saham / Shareholders Composition 88
Komposisi Pemegang Saham yang Memiliki 5% atau Lebih Saham / 89
IIkhtisar Kinerja Keberlanjutan / Sustainability Performance Highlights 16 Composition of Shareholders with 5% or More Shares
Kepemilikan Saham Langsung dan Tidak Langsung atas Saham 89
Ikhtisar Saham / Share Highlights 20 Bank Victoria oleh Anggota Dewan Komisaris dan Direksi /
Ikhtisar Obligasi / Bonds Highlights 22 Direct and Indirect Share Ownership of Bank Victoria’s Shares by
Members of Board of Commissioners and Board of Directors
Peristiwa Penting / Significant Events 23
Komposisi Pemegang Saham Masyarakat dengan Kepemilikan 90
Penghargaan dan Sertifikasi / Awards and Certifications 28 Saham Masing-Masing Kurang dari 5% / Composition of Public
Shareholders with Share Ownership of Less than 5% Each
Komposisi Pemegang Saham berdasarkan Status Kepemilikan / 90
Laporan Manajemen Shareholders Composition by Ownership Status
Management Report Struktur Pemegang Saham Utama dan Pengendali / Main and 91
Controlling Shareholders Structure
Laporan Dewan Komisaris / Report of the Board of Commissioners 32 Infomasi Entitas Anak, Perusahaan Asosiasi, Perusahaan 92
Ventura Bersama, dan Special Purpose Vehicle / Information on
Laporan Direksi / Report of the Board of Directors 40 Subsidiaries, Associated Entities, Joint Venture Companies, and
Tanggung Jawab Laporan Tahunan dan Keberlanjutan / Annual and Special Purpose Vehicles
Sustainability Report Responsibility
51
Kronologi Pencatatan Saham / Chronology of Share Listing 93
Kronologi Pencatatan Efek Lainnya / Chronology of Other 94
Profil Perusahaan Securities Listing
Company Profile Struktur Grup / Group Structure 97
Informasi Penggunaan Jasa Akuntan Publik dan Kantor Akuntan 97
Publik / Information on the Use of Public Accountant Services and
Identitas Perusahaan / Company Identity 54
Public Accounting Firms
Perubahan Organisasi yang Bersifat Signifikan / Significant 55
Organizational Changes
Lembaga dan Profesi Penunjang Pasar Modal / Capital Market 98
Supporting Institutions
Riwayat Singkat / Brief History 56
Visi dan Misi Perusahaan / Company’s Vision and Mission 58
Analisis dan
Nilai Budaya Perusahaan / Corporate Cultural Values 60 Pembahasan Manajemen
Kegiatan Usaha / Line of Business 61 Management Discussion and Analysis
Produk dan Jasa / Products and Services 62
Wilayah Operasional / Operational Areas 64 Tinjauan Ekonomi dan Industri / Economic and Industrial Overview 102
Alamat Kantor Pusat, Kantor Cabang Utama, dan Kantor Cabang 66 Tinjauan Operasional / Operational Overview 104
Pembantu Bank Victoria / Address of Head Office, Main Branch Offices,
and Sub-Branch Offices of Bank Victoria
Tinjauan Keuangan / Financial Overview 122
Struktur Organisasi / Organization Structure 68
Daftar Keanggotaan dalam Asosiasi / List of Association Membership 70 Aspek Pendukung Bisnis
Aspect of Business Support
Profil Dewan Komisaris / Board of Commissioners Profile 71
Profil Direksi / Board of Directors Profile 74
Teknologi Informasi / Information Technology 152
Profil Pejabat Eksekutif / Executive Officer Profile 80
12 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Tata Kelola Perusahaan Pengendalian Gratifikasi / Gratification Control 263
Good Corporate Governance Kebijakan Pencegahan Insider Trading / Policy to Prevent Insider 264
Trading
Sistem Pelaporan Pelanggaran / Whistleblowing System 265
Dasar dan Prinsip Implementasi GCG / Basis and Principles of 162
GCG Implementation Akses Informasi dan Data Perusahaan / Access to Company’s 268
Information and Data
Struktur GCG / GCG Structures 163
Implementasi Tata Kelola Perusahaan Terbuka / Implementation 269
Framework GCG / GCG Framework 164 of Corporate Governance of Public Company
Peningkatan Kualitas Implementasi GCG / Improvement of GCG 164 Pedoman Umum Governansi Korporat Indonesia / General 274
Implementation Quality Guidelines for Indonesian Corporate Governance
Rapat Umum Pemegang Saham / General Meeting of Shareholders 168 Rencana Strategis Bank / Bank’s Strategic Plans 293
Dewan Komisaris / Board of Commissioners 171 Pembelian Kembali Saham dan/atau Obligasi / Shares and/or 295
Bonds Buy Back
Direksi / Board of Directors 177
Penyediaan Dana kepada Pihak Terkait dan/atau Penyediaan Dana 295
Rangkap Jabatan Dewan Komisaris dan Direksi / Concurrent 181 Besar / Provision of Funds to Related Parties and/or Provision of
Positions of the Board of Commissioners and Board of Directors Large Exposure
Penilaian Kinerja Dewan Komisaris, Direksi, Komite Pendukung 182 Kepatuhan Perpajakan / Tax Compliance 296
Dewan Komisaris, serta Komite dan Organ Pendukung Direksi /
Performance Assessment of the Board of Commissioners, Board of Transparansi Kondisi Keuangan dan Non-Keuangan Bank yang 296
Directors, Board of Commissioners’ Supporting Committees, and Belum Diungkap dalam Laporan Lain / Transparency of the Bank’s
Board of Directors’ Committees and Supporting Organs Financial and Non-Financial Conditions that Have Not Been
Disclosed in Other Report
Pelatihan dan/atau Peningkatan Kompetensi Dewan Komisaris 188
dan Direksi / Training and/or Competency Development for the Informasi Lain terkait Tata Kelola Bank / Other Information related 296
Board of Commissioners and Board of Directors to Bank Governance
Penanganan Benturan Kepentingan Dewan Komisaris dan Direksi / 191 Pernyataan dan Praktik Bad Corporate Governance / Statement 297
Handling of Conflict of Interests of the Board of Commissioners and Practices of Bad Corporate Governance
and Board of Directors
Mekanisme Pengunduran Diri dan Pemberhentian Dewan 191
Komisaris dan Direksi / Resignation and Dismissal Mechanism of
the Board of Commissioners and Board of Directors
Kebijakan Keberagaman Komposisi Dewan Komisaris dan Direksi / 192
Struktur Permodalan dan
Diversity Policy of Composition of the Board of Commissioners and Manajemen Risiko
Board of Directors
Capital Structure and Risk Management
Kebijakan Nominasi dan Remunerasi Dewan Komisaris dan 193
Direksi / Nomination and Remuneration Policy of the Board of
Commissioners and Board of Directors Pengungkapan Permodalan / Disclosure of Capital 300
Komite di bawah Dewan Komisaris / Board of Commissioners’ 199 Manajemen Risiko / Risk Management 303
Subordinate Committees
Manajemen Risiko Grup Keuangan Victoria / Victoria Financial 336
Organ Pendukung Dewan Komisaris / Board of Commissioners 213 Group Risk Management
Supporting Organ
Komite di bawah Direksi / Board of Directors’ Subordinate Committees 214
Organ Pendukung Direksi / Board of Directors’ Supporting Organ 228 Tanggung Jawab Sosial dan
Akuntan Publik / Public Accountant 236 Lingkungan Hidup
Sistem Pengendalian Internal / Internal Control System 238 Corporate Social and Environmental
Fungsi Kepatuhan / Compliance Function 242 Responsibility
Pengadaan Barang dan Jasa / Procurement of Goods and Services 248
Tata Kelola Keberlanjutan / Sustainability Governance 388
Perkara Hukum / Legal Cases 249
Sanksi Administratif Tahun 2023 / Administrative Sanction in 2023 254 Keberlanjutan Kinerja Ekonomi / Economic Performance 391
Sustainability
Program Anti Pencucian Uang, Pencegahan Pendanaan Terorisme, 255
dan Pencegahan Pendanaan Proliferasi Senjata Pemusnah Massal / Keberlanjutan Kinerja Sosial / Social Performance Sustainability 396
Anti Money Laundering, Counter Financing of Terrorism, and Counter-
Proliferation Financing of Weapons of Mass Destruction Program Keberlanjutan Kinerja Lingkungan Hidup / Environmental 414
Performance Sustainability
Pemberian Dana Kegiatan Politik / Provision of Funds for 258
Political Activities Indeks Pengungkapan Kriteria POJK No. 51/POJK.03/2017 / 419
Persaingan Usaha yang Sehat / Fair Business Competition 258 POJK Criteria Disclosure Index No. 51/POJK.03/2017
Kode Etik / Code of Conduct 259 Tanggapan terhadap Umpan Balik Laporan Tahun Sebelumnya / 422
Responses to Previous Year’s Report Feedback
Program Kepemilikan Saham oleh Manajemen dan Karyawan / 262
Management/Employee Stock Ownership Program Verifikasi Tertulis dari Pihak Independen / Written Verification from 422
an Independent Party
Kebijakan Pengungkapan Informasi / Information Disclosure Policy 262
Kebijakan Anti Korupsi / Anti Corruption Policy 262 Lembar Umpan Balik / Feedback Form 423
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 13
Page 16
KILAS
KINERJA
Performance Highlights
Dana Pihak Ketiga
Third-Party Funds
2023 2022
15.78% Rp22.43 Rp19.37
triliun / trillion triliun / trillion
Pinjaman yang Diberikan - Bersih
Loans - Net
2023 2022
18.10% Rp18.05 Rp15.29
triliun / trillion triliun / trillion
Pendapatan Bunga dan Syariah
Interest and Sharia Income
2023 2022
7.71% Rp1.84 Rp1.71
triliun / trillion triliun / trillion
14 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 15
Page 18
Ikhtisar Kinerja Keberlanjutan
Sustainability Performance Highlights
Keberlanjutan Kinerja Ekonomi Economic Performance Sustainability
Kinerja Keuangan Financial Performance
(dalam juta Rupiah / in million Rupiah)
Uraian 2023 2022 2021 Description
Laporan Posisi Keuangan Konsolidasian* / Consolidated Statements of Financial Position*
Total Aset 29,624,240 25,932,001 24,947,143 Total Assets
Total Aset Keuangan 28,453,735 24,310,285 22,964,930 Total Financial Assets
Total Aset Non-Keuangan 1,170,505 1,621,716 1,982,213 Total Non-Financial Assets
Total Liabilitas 25,799,455 22,231,538 20,702,226 Total Liabilities
Total Liabilitas Keuangan 25,730,307 22,160,500 20,595,756 Total Financial Liabilities
Total Liabilitas Non-Keuangan 69,148 71,038 106,469 Total Non-Financial Liabilities
Total Dana Syirkah Temporer - - 1,230,492 Total Temporary Syirkah Fund
Total Ekuitas 3,824,785 3,700,463 3,014,425 Total Equity
Laporan Laba Rugi dan Penghasilan Komprehensif Lain Konsolidasian * / Consolidated Statements of Profit or Loss and Other Comprehensive Income*
Pendapatan Bunga dan Syariah 1,836,391 1,705,018 1,612,210 Interest and Sharia Income
Beban Bunga dan Syariah (1,257,662) (971,638) (1,148,556) Interest and Sharia Expense
Pendapatan Bunga dan Syariah Bersih 578,729 733,381 463,654 Interest and Sharia Income - Net
Pendapatan Operasional Lainnya 253,365 380,203 454,233 Other Operating Income
Beban Operasional Lainnya (658,023) (699,517) (1,004,873) Other Operating Expenses
Laba/(Rugi) Operasional 174,071 414,066 (86,985) Profit/(Loss) from Operations
Beban Non-Operasional - Bersih (44,535) (57,136) (63,883) Non-Operating Expense - Net
Laba/(Rugi) Sebelum Beban Pajak
129,536 356,931 (150,868) Profit/(Loss) Before Income Tax Expense
Penghasilan
(Beban)/Manfaat Pajak Penghasilan -
(27,720) (130,757) 31,805 Income Tax (Expense)/Benefit - Net
Bersih
Laba/(Rugi) Bersih yang dapat
101,816 226,173 (119,064) Net Income/(Loss) Attributable to:
Diatribusikan kepada:
Pemilik Entitas Induk 101,816 226,173 (119,064) Equity Holders of the Parent Entity
Kepentingan Nonpengendali - - (0) Non-Controlling Interest
Penghasilan (Rugi) Komprehensif Lain, Other Comprehensive Income (Loss), Net
24,405 (70,239) (67,416)
Setelah Pajak Penghasilan of Income Tax
Penghasilan (Rugi) Komprehensif yang Comprehensive Income (Loss)
126,222 155,935 (186,479)
dapat Diatribusikan kepada: Attributable to:
Pemilik Entitas Induk 126,222 155,935 (186,478) Equity Holders of the Parent Entity
Kepentingan Nonpengendali - - (1) Non-Controlling Interest
Laba (Rugi) Bersih per Saham yang dapat Income (Loss) per Share Attributable to
Diatribusikan kepada Pemilik Entitas Induk Entity Holders of the Parent Entity
Dasar (Rupiah penuh) 6.42 19.17 (12.90) Basic (full Rupiah)
Dilusian (Rupiah penuh) 6.42 19.17 (12.90) Diluted (full Rupiah)
16 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Uraian 2023 2022 2021 Description
Laporan Arus Kas Konsolidasian* / Consolidated Statements of Cash Flows*
Arus Kas Bersih Diperoleh dari/ Net Cash Flow (Used in)/Provided from
1,279,308 1,057,052 (2,246,858)
(Digunakan untuk) Aktivitas Operasi Operating Activities
Arus Kas Bersih Digunakan untuk/ Net Cash Flows Used in/(Provided from)
(1,413,275) (232,938) 1,233,396
(Diperoleh dari) Aktivitas Investasi Investing Activities
Arus Kas Bersih Diperoleh dari Aktivitas Net Cash Flows Provided from Financing
287,343 159,950 395,586
Pendanaan Activities
Cash and Cash Equivalents at End of the
Kas dan Setara Kas pada Akhir Tahun 2,798,564 2,645,188 1,886,562
Year
Rasio Keuangan (dalam %)** / Financial Ratios (in %)**
Permodalan Capital
KPMM dengan Memperhitungkan Risiko CAR by Calculating Credit and
20.69 22.59 17.92
Kredit dan Operasional Operational Risk
KPMM dengan Memperhitungkan Risiko CAR by Calculating Credit, Operational,
19.95 21.97 17.49
Kredit, Operasional, dan Pasar and Market Risk
Aktiva Tetap terhadap Modal 11.08 11.60 17.32 Fixed Assets to Capital
Aset Produktif Earning Assets
Aset Produktif dan Non-Produktif Non-Performing Earning Assets and Non-
Bermasalah terhadap Total Aset 3.91 5.89 8.23 Earning Assets to Total Earning Assets
Produktif dan Non-Produktif and Non-Earning Assets
Aset Produktif Bermasalah terhadap Non-Performing Earning Assets to Total
2.79 3.19 5.19
Total Aset Produktif Earning Assets
Cadangan Kerugian Penurunan Nilai (CKPN) Allowance for Impairment Losses (CKPN)
2.19 2.49 3.13
Aset Keuangan terhadap Aset Produktif of Financial Assets to Earning Assets
Pemenuhan CKPN Aset Produktif 165.67 198.55 202.01 CKPN Fulfillment of Earning Assets
NPL Bruto 3.99 4.23 7.27 Gross NPL
NPL Neto 3.24 3.42 4.08 Net NPL
Profitabilitas Profitability
ROA 0.48 1.47 (0.71) ROA
ROE 3.12 9.48 (6.54) ROE
NIM 2.58 3.52 2.36 NIM
BOPO 91.67 79.44 104.94 BOPO
Rasio Laba (Rugi) terhadap Total Aset 0.34 0.87 (0.50) Income (Loss) to Total Assets Ratio
Rasio Laba (Rugi) terhadap Total Ekuitas 2.66 7.56 (3.95) Income (Loss) to Total Equity Ratio
Rasio Laba (Rugi) terhadap Pendapatan
17.59 13.27 (7.39) Income (Loss) to Interest Income
Bunga
Rasio Liabilitas terhadap Total Aset 87.09 85.73 87.50 Liabilities to Total Assets Ratio
Rasio Liabilitas terhadap Total Ekuitas 674.53 743.53 687.54 Liabilities to Total Equity Ratio
Likuiditas Liquidity
LDR 83.06 81.69 81.25 LDR
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 17
Page 20
Uraian 2023 2022 2021 Description
LFR 50.55 81.08 79.89 LFR
Rasio Aktiva Keuangan terhadap Financial Assets to Financial Liabilities
114.83 98.75 91.20
Liabilitas Keuangan Ratio
Kepatuhan Compliance
Persentase Pelanggaran BMPK Percentage of LLL Violation
Pihak Terkait 0.00 0.00 0.00 Related Parties
Pihak Tidak Terkait 0.00 0.00 0.00 Non-Related Parties
Persentase Pelampauan BMPK Percentage of LLL Excess
Pihak Terkait 0.00 0.00 0.00 Related Parties
Pihak Tidak Terkait 0.00 0.00 0.00 Non-Related Parties
Primary Minimum Reserve
GWM Primer – Rupiah 7.32 7.69 3.57
Requirements - Rupiah
Secondary Minimum Reserve
GWM Primer – Valas 4.05 4.05 4.05
Requirements – Foreign Exchange
Secondary Minimum Reserve
GWM Sekunder – Rupiah 23.73 22.82 14.97
Requirements - Rupiah
Posisi Devisa Neto (PDN) secara
0.39 0.12 0.98 Net Open Position (NOP) in Overall
Keseluruhan
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022. / Consolidated until the divestment of Subsidiary on 22 December 2022.
** Merupakan angka PT Bank Victoria International Tbk. / This figure refers to PT Bank Victoria International Tbk.
Kinerja Operasional Operational Performance
Uraian 2023 2022 2021 Description
Produk Simpanan (dalam unit rekening)* / Deposit Products (in account unit)*
Tabungan 41,191 42,100 45,057 Saving Deposits
Giro 2,564 2,461 2,508 Current Accounts
Deposito Berjangka 18,931 16,947 18,503 Time Deposits
Total 62,686 61,508 66,068 Total
Produk Pinjaman (dalam juta Rupiah)** / Loan Products (in million Rupiah)**
Pinjaman Tetap 9,697,513 8,860,926 9,336,405 Fixed Loans
Pinjaman Konsumen 164,627 167,465 161,842 Consumer Loans
Pinjaman Rekening Koran 1,871,767 1,677,755 1,510,730 Overdraft Loans
Pinjaman Tetap dengan Angsuran 6,864,293 5,078,177 3,627,712 Fixed Loans with Installments
Pinjaman Serba Guna 30,543 40,288 46,416 Multipurpose Loans
Pembiayaan Syariah - - 805,969 Sharia Financing
Total 18,628,743 15,824,611 15,489,074 Total
* Merupakan angka PT Bank Victoria International Tbk. / This figure refers to PT Bank Victoria International Tbk.
** Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022. / Consolidated until the divestment of Subsidiary on 22 December 2022.
18 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Keberlanjutan Kinerja Sosial Social Performance Sustainability
Satuan
Uraian 2023 2022 2021 Description
Unit
Pengelolaan Human Capital / Human Capital Management
Orang
Jumlah Karyawan 713 688 694 Total Employees
People
Karyawan Wanita % 47.55 47.09 46.97 Female Employees
Jam/Orang
Jam Pelatihan/Karyawan 5 4 4 Training Hours/Employee
Hours/People
Karyawan Lokal* % 67.46 66.86 67.43 Local Employees*
Pengembangan Sosial dan Kemasyarakatan / Social and Community Development
Orang
Penerima Manfaat 2,072 2,121 4,079 Beneficiaries
People
Biaya Investasi Sosial Rupiah 179,610,888 238,215,664 643,477,844 Social Investment Cost
* Karyawan yang memiliki domisili yang sesuai dengan wilayah operasional tempat bekerja. / Employees having domicile in accordance with the operational area where they work.
Keberlanjutan Kinerja Lingkungan Hidup Environmental Performance Sustainability
Satuan
Uraian 2023 2022 2021 Description
Unit
Pembiayaan Pertimbangan Aspek Juta Rupiah Financing by Considering
505,058 617,423 602,687
Lingkungan Million Rupiah Environmental Aspect
Debitur yang Memperoleh Entitas
- - - Debtor Receiving PROPER
PROPER Entity
Penggunaan Listrik GJ 4,774.83 4,442.55 4,459.18 Use of Electricity
Penggunaan Bahan Bakar Minyak
GJ 2,262.32 2,879.76 2,711.33 Use of Fuel (BBM)
(BBM)
Penggunaan Air m3 18,746.74 5,494.06 5,756.90 Water Use
Rim
Penggunaan Kertas 1,935 1,703 1,847 Paper Use
Ream
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 19
Page 22
Ikhtisar Saham
Share Highlights
Jumlah Saham
Volume
Beredar
Harga Harga Harga Harga Transaksi Kapitalisasi Pasar
(Lembar Saham)
Pembukaan Terendah Tertinggi Penutupan (Lembar Saham) Market
Periode Total
Opening Lowest Highest Closing Transaction Capitalization
Period Outstanding
Price Price Price Price Volume (Rp)
Shares
(Rp) (Rp) (Rp) (Rp) (Number of
(Number of
Shares)
Shares)
2023
Quarter I 107 85 118 93 323,118,200 15,848,234,714 1,473,885,828,402
Quarter II 88 87 104 95 260,058,800 15,848,234,955 1,505,582,320,725
Quarter III 101 97 135 99 641,361,400 15,848,235,599 1,568,975,324,301
Quarter IV 105 89 106 99 369,707,600 15,848,235,778 1,568,975,342,022
2022
Quarter I 195 130 195 139 2,502,377,700 10,487,132,568 1,457,711,426,952
Quarter II 174 132 187 132 2,327,482,600 10,487,132,568 1,384,301,498,976
Quarter III 132 120 156 124 1,000,569,300 13,040,594,487 1,617,033,716,388
Quarter IV 124 104 142 107 1,126,040,200 15,848,234,714 1,695,761,114,398
Volume Perdagangan (Lembar Saham) Harga Penutupan (Rp)
Trading Volume (Number of Shares) Closing Price (Rp)
700,000,000 250
600,000,000
200
500,000,000
150
400,000,000
300,000,000
100
200,000,000
50
100,000,000
- -
n
b
ar
r
ay
n
l
g
p
t
v
c
n
b
ar
r
ay
n
l
g
p
t
v
c
Ju
Ju
Ap
Ap
Oc
Oc
No
No
De
De
Fe
Au
Fe
Au
Se
Ja
Ju
Ja
Se
Ju
M
M
M
M
2022 2023
Volume Perdagangan (Lembar Saham) Harga Penutupan (Rp)
Trading Volume (Number of Shares) Closing Price (Rp)
20 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Page 23
Aksi Korporasi Corporate Actions
Pada tahun 2023, Bank Victoria melakukan Pencatatan In 2023, Bank Victoria carried out Additional Share
Penambahan Saham Hasil Exercise Waran Seri VII Listing Resulting from Exercise of Series VII Warrants of
PT Bank Victoria lnternational Tbk dengan jangka waktu PT Bank Victoria International Tbk with an implementation
pelaksanaan tanggal 19 Juni 2023 sampai tanggal 18 Desember period of 19 June 2023 to 18 December 2025. The total shares
2025. Total saham yang telah diterbitkan dan sisa waran menjadi issued and remaining warrants are as follows:
sebagai berikut:
Jumlah Saham Sebelum
Penambahan Saham Jumlah Saham Setelah
Hasil Exercise Waran Jumlah Penambahan Penambahan Saham Hasil
Seri VII Waran Seri VII Exercise Waran Seri VII Sisa Waran Seri VII
Waktu
Number of Shares Number of Number of Shares After Remaining Series
Time
Before Addition of Additional Series VII Addition of Shares VII Warrants
Shares Resulting from Warrants Resulting from Exercise of
Exercise of Series VII Series VII Warrants
Warrants
Juni 2023
15,848,234,714 241 15,848,234,955 2,573,669,876
June 2023
Juli 2023
15,848,234,955 467 15,848,235,422 2,573,669,409
July 2023
Agustus 2023
15,848,235,422 93 15,848,235,515 2,573,669,316
August 2023
September 2023 15,848,235,515 84 15,848,235,599 2,573,669,232
Oktober 2023
15,848,235,599 134 15,848,235,733 2,573,669,098
October 2023
November 2023 15,848,235,733 33 15,848,235,766 2,573,669,065
Desember 2023
15,848,235,766 12 15,848,235,778 2,573,669,053
December 2023
Bank Victoria juga melakukan penawaran umum Obligasi Bank Victoria also carried out public offering of Bank Victoria
Berkelanjutan III Bank Victoria Tahap I Tahun 2023 yaitu pada Sustainable Bonds III Phase I Year 2023, which was in March
Maret 2023 sebesar Rp500.000.000.000,-. Obligasi ini ditawarkan 2023, amounted to Rp500,000,000,000. These bonds are offered
dengan nilai 100% dari nilai pokok obligasi dan terdiri dari at a value of 100% of the principal value of bonds and consist
2 seri, yaitu jumlah pokok Obligasi Seri A ditawarkan sebesar of 2 series, namely Series A Bonds offered in the amount of
Rp300.000.000.000,- dengan tingkat bunga tetap sebesar Rp300,000,000,000 with fixed rate of 9.25% per annum with a
9,25% per tahun dengan jangka waktu 3 tahun sejak tanggal tenor of 3 years since emission date, and Series B Bonds offered
emisi, dan jumlah pokok Obligasi Seri B ditawarkan sebesar in the amount of Rp200,000,000,000 with fixed rate of 10.25%
Rp200.000.000.000,- dengan tingkat bunga tetap sebesar per annum with a tenor of 5 years since emission date. Interest
10,25% per tahun dengan jangka 5 tahun sejak tanggal emisi. of the bond paid every 3 months starting from emission date,
Bunga obligasi dibayarkan setiap 3 bulan sekali terhitung sejak 9 June 2023, for the first payment whereas the last payment will
tanggal emisi pada tanggal pembayaran bunga obligasi pertama be at the maturity date of each bonds, which on 9 March 2026 for
kali yaitu tanggal 9 Juni 2023, sedangkan pembayaran bunga Bonds Series A and on 9 March 2028 for Bonds Series B.
obligasi terakhir akan dilakukan pada tanggal jatuh tempo
masing-masing seri obligasi yaitu pada tanggal 9 Maret 2026
untuk Obligasi Seri A dan 9 Maret 2028 untuk Obligasi Seri B.
Aktivitas Perdagangan Saham Share Trading Activity
Bank tidak menerima sanksi atas aktivitas perdagangan saham, No sanctions are imposed on the share trading activities of the
baik berupa penghentian sementara ataupun penghapusan Bank, either in form of temporary suspension on share trading or
pencatatan saham sepanjang tahun 2023. share delisting throughout 2023.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 21
Page 24
Ikhtisar Obligasi
Bonds Highlights
Tingkat
Jumlah Peringkat
Tenor Suku Status
(Juta Rupiah) Ratings
Uraian (Tahun) Bunga Tanggal Pembayaran
Description Total Dates
Tenure Interest Payment
(Million
(Year) Rates Status
Rupiah) 2023 2022
(%)
Obligasi Subordinasi Berkelanjutan 50,000 7 11.00 11 Juli 2017 - idBBB idBBB Belum Lunas
I Bank Victoria Tahap I Tahun 2017 11 Juli 2024 (Triple B) (Triple B) Not Paid
dengan tingkat bunga tetap 11 July 2017 -
Bank Victoria Continuous Subordinated 11 July 2024
Bond I Phase I of 2017 at fixed interest
rate
Obligasi Berkelanjutan I Bank Victoria 200,000 5 10.30 5 Juni 2018 - idA- idA- Belum Lunas
Tahap II Tahun 2018 dengan tingkat 5 Juni 2023 (Single A (Single A Not Paid
bunga tetap Seri B 5 June 2018 - Minus) Minus)
Bank Victoria Continuous Bond I Phase 5 June 2023
II of 2018 at fixed interest rate B Series
Obligasi Subordinasi Berkelanjutan 350,000 7 11.00 5 Juni 2018 - idBBB idBBB Belum Lunas
I Bank Victoria Tahap II Tahun 2018 5 Juni 2025 (Triple B) (Triple B) Not Paid
dengan tingkat bunga tetap 5 June 2018 -
Bank Victoria Continuous Subordinated 5 June 2025
Bond I Phase II of 2018 at fixed interest
rate
Obligasi Subordinasi Berkelanjutan II 250,000 7 11.75 28 Juni 2019 - idBBB idBBB Belum Lunas
Bank Victoria Tahap I Tahun 2019 28 Juni 2026 (Triple B) (Triple B) Not Paid
Bank Victoria Continuous Subordination 28 June 2019 -
Bonds II Phase I Year 2019 28 June 2026
Obligasi Subordinasi Berkelanjutan II 150,000 7 11.25 8 November 2019 - idBBB idBBB Belum Lunas
Bank Victoria Tahap II Tahun 2019 8 November 2026 (Triple B) (Triple B) Not Paid
Bank Victoria Continuous Subordination
Bonds II Phase II Year 2019
Obligasi Subordinasi Berkelanjutan II 60,000 7 11.25 1 April 2020 - idBBB idBBB Belum Lunas
Bank Victoria Tahap III Tahun 2020 1 April 2027 (Triple B) (Triple B) Not Paid
Bank Victoria Continuous Subordination
Bonds II Phase III Year 2020
Obligasi Berkelanjutan III Bank Victoria 300,000 3 9.25 9 Maret 2023 - idA- - Belum Lunas
Tahap I Tahun 2023 dengan tingkat 9 Maret 2026 (Single A Not Paid
bunga tetap Seri A 9 March 2023 - Minus)
Bank Victoria Series A Continuing 9 March 2026
Bonds III Phase I Year 2023 at fixed
interest rate
Obligasi Berkelanjutan III Bank Victoria 200,000 5 10.25 9 Maret 2023 - idA- - Belum Lunas
Tahap I Tahun 2023 dengan tingkat 9 Maret 2028 (Single A Not Paid
bunga tetap Seri B 9 March 2023 - Minus)
Bank Victoria Series B Continuing 9 March 2028
Bonds III Phase I Year 2023 at fixed
interest rate
Keterangan rating / Rating description:
* idA- (Single A Minus) dari PT Pemeringkat Efek Indonesia (PEFINDO). / idA- (Single A Minus) from PT Pemeringkat Efek Indonesia (PEFINDO).
* idBBB (Triple B) dari PT Pemeringkat Efek Indonesia (PEFINDO). / idBBB (Triple B) from PT Pemeringkat Efek Indonesia (PEFINDO).
22 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Page 25
Peristiwa Penting
Significant Events
28 Januari / January 2023 9 Maret / March 2023
Bank Victoria melaksanakan Rapat Kerja di Hotel Indonesia Bank Victoria menerbitkan Obligasi Berkelanjutan III Bank Victoria
Kempinski, Jakarta. Rapat Kerja Bank Victoria kali ini mengusung Tahap I Tahun 2023 sebesar Rp500.000.000.000,-.
tema “Moving Forward to Accelerated Growth and Stronger Bank Victoria issued Bank Victoria Continuing Bonds III Phase I
Governance” yang merupakan kelanjutan dari strategi Bank Year 2023 amounting to Rp500,000,000,000.
sebelumnya.
Bank Victoria held a Working Meeting at Hotel Indonesia Kempinski,
Jakarta. This time, Bank Victoria’s Working Meeting carried the theme
“Moving Forward to Accelerated Growth and Stronger Governance”
which is a continuation of the Bank’s previous strategy.
Tim Corporate Secretary dan Corporate Communication Bank
Victoria meraih penghargaan The Best Corporate Secretary &
Communication Award 2023 oleh Majalah Economic Review,
Ideku Group, dan Indonesia-Asia Institute.
Bank Victoria’s Corporate Secretary and Corporate
Communication team won the Best Corporate Secretary &
Communication Award 2023 by Economic Review Magazine,
Ideku Group, and Indonesia-Asia Institute.
19 Mei / May 2023
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 23
Page 26
26 Mei / May 2023 27 Juni / June 2023
Bank Victoria melaksanakan Rapat Umum Pemegang Bank Victoria meraih penghargaan 4th Indonesia Top Bank
Saham Tahunan 2023 di Graha BIP, Jl. Gatot Subroto Kav. 23, Award 2023 kategori Kelompok Bank Modal Inti (KBMI) 1 oleh
Jakarta Selatan 12930. The Economics. Penghargaan tersebut sebagai apresiasi kepada
Bank Victoria held the 2023 Annual General Meeting of bank-bank di Indonesia dalam acara 4th Indonesia Top Bank
Shareholders at Graha BIP, Jl. Gatot Subroto Kav. 23, South Award 2023.
Jakarta 12930. Bank Victoria won the 4th Indonesia Top Bank Award 2023 in the
Core Capital Bank Group (KBMI) 1 category by The Economics.
This award is an appreciation for banks in Indonesia at the 4th
Indonesia Top Bank Award 2023 event.
18 Juli / July 2023 28 Juli / July 2023
Gathering ORI023 Bank Victoria Manado. Bank Victoria meraih penghargaan Indonesia Best Bank 2023 for
Gathering of ORI023 at Bank Victoria Manado. The Development of Banking Business Segmentatition kategori
KBMI 1 oleh Warta Ekonomi.
Bank Victoria won the Indonesia Best Bank 2023 award for
The Development of Banking Business Segmentation in the KBMI
1 category by Warta Ekonomi.
24 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Page 27
28 Juli / July 2023 15 Agustus / August 2023
Bank Victoria meraih penghargaan The Best Indonesia Sales Bank Victoria meraih penghargaan Best Bank Performance of
Marketing Award VI 2022 kategori Public Company Bank oleh MSMEs Loan Awards 2023 dengan predikat “Sangat Prima”
Majalah Economic Review. kategori Modal Inti sampai dengan Rp6 triliun (KBMI 1) oleh
Bank Victoria won the Best Indonesia Sales Marketing Award VI Majalah Peluang.
2022 in the Public Company Bank category by Economic Review Bank Victoria won the Best Bank Performance of MSMEs Loan
Magazine. Awards 2023 with title “Very Excellent” in the Core Capital
category of up to Rp6 trillion (KBMI 1) by Peluang Magazine.
12 September / September 2023 5 Oktober / October 2023
Bank Victoria melakukan penandatanganan Addendum Perjanjian Bank Victoria merayakan ulang tahun ke-29. Acara dihadiri
Kredit Sindikasi kepada PT Sulfindo Adiusaha dengan total plafon oleh Dewan Komisaris dan Direksi serta karyawan Bank Victoria.
sebesar maksimal Rp1,5 triliun. Dengan perayaan ini, diharapkan Bank Victoria ke depan dapat
memberikan inovasi-inovasi terbaik untuk melayani kebutuhan
Bank Victoria signed an Addendum to the Syndicated Credit nasabah setia Bank Victoria dan memberikan pelayanan terbaik
Agreement with PT Sulfindo Adiusaha with a total ceiling of kepada seluruh Pemangku Kepentingan Bank Victoria.
Rp1.5 trillion.
Bank Victoria celebrated its 29th anniversary. The event was
attended by the Board of Commissioners and Board of Directors
as well as Bank Victoria employees. With this celebration, it is
hoped that Bank Victoria in the future will be able to provide best
innovations to serve the needs of loyal Bank Victoria customers
and provide best services to all Bank Victoria Stakeholders.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 25
Page 28
29 Oktober / October 2023 16 November / November 2023
Bank Victoria menyelenggarakan event Victoria Run 2023 di QBIG BSD. Bank Victoria melaksanakan kegiatan CSR melalui Victoria Peduli
Bank Victoria held the Victoria Run 2023 event at QBIG BSD. dengan memberikan bantuan di bidang kesehatan kepada SDS
Dewi Sartika Cilincing, Jakarta Utara.
Bank Victoria carried out CSR activities through Victoria Peduli
by providing assistance in health sector to SDS Dewi Sartika
Cilincing, North Jakarta.
17 November / November 2023 8 Desember / December 2023
Bank Victoria meraih penghargaan The Best Indonesia Finance Bank Victoria berhasil meraih penghargaan Gold Award-Excellent
for Public Company 2023 kategori Asset Rp20 T–Rp30 T oleh Indonesia IT Award V 2023 kategori The Best IT-for Bank Aset
Economic Review. Rp20 T-Rp30 T oleh Economic Review.
Bank Victoria won the Best Indonesia Finance for Public Company Bank Victoria managed to win the Gold Award-Excellent Indonesia
2023 award in Asset of Rp20 T–Rp30 T category by the Economic IT Award V 2023 in category of The Best IT-for Bank Assets of
Review. Rp20 T-Rp30 T by the Economic Review.
26 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Page 29
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 27
Page 30
Penghargaan dan Sertifikasi
Awards and Certifications
1 2 4 4
1. The Best Indonesia Corporate 2. 4th Indonesia Top Bank Award 2023 3. Indonesia Best Bank 2023 for
“Secretary & Communication” Award kategori Kelompok Bank Modal Inti The Development of Banking Business
2023 kategori Gold Award - Score: (KBMI) 1 Segmentatition kategori KBMI 1
88,50 - Excellent 4th Indonesia Top Bank Award 2023 Indonesia Best Bank 2023 for The
The Best Indonesia Corporate in Core Capital Bank Group (KBMI) 1 Development of Banking Business
“Secretary & Communication” Award category Segmentation KBMI 1 category
2023 Gold Award - Score: 88.50 - Tanggal / Dated: Tanggal / Dated:
Excellent category 27 Juni 2023 / 27 June 2023 28 Juli 2023 / 28 July 2023
Tanggal / Dated: Acara / Event: Acara / Event:
19 Mei 2023 / 19 May 2023 Indonesia Top Bank Awards 2023 Indonesia Best Bank Awards 2023
Acara / Event: Penerima / Awardee: Penerima / Awardee:
Indonesia Corporate Secretary & Bank Victoria Bank Victoria
Communication Award VIII 2023
Penyelenggara / Organizer: Penyelenggara / Organizer:
Penerima / Awardee: The Economics Warta Ekonomi
Tim Corporate Secretary dan Corporate
Communication Bank Victoria
Bank Victoria’s Corporate Secretary and
Corporate Communication Team
Penyelenggara / Organizer:
Majalah Economic Review, Ideku Group,
dan Indonesia-Asia Institute.
Economic Review Magazine, Ideku Group,
and Indonesia-Asia Institute.
28 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Page 31
5 6 7
4. The Best Indonesia Sales Marketing Award VI 2023 kategori 5. Best Bank Performance of MSMEs Loan Awards 2023 dengan
Platinum Award - Score : 93,36 - Very Excellent predikat “Sangat Prima” kategori Modal Inti sampai dengan
The Best Indonesia Sales Marketing Award VI 2023 in Rp6 triliun (KBMI 1)
Platinum Award category - Score : 93.36 - Very Excellent Best Bank Performance of MSMEs Loan Awards 2023 with title
category “Very Excellent” in the Core Capital category of up to Rp6 trillion
Tanggal / Dated: (KBMI 1)
28 Juli 2023 / 28 July 2023 Tanggal / Dated:
Acara / Event: 15 Agustus 2023 / 15 August 2023
6th Indonesia Sales & Marketing Award 2023 Acara / Event:
Penerima / Awardee: Best Bank Performance of MSMEs Loans Award 2023
Bank Victoria Penerima / Awardee:
Penyelenggara / Organizer: Bank Victoria
Majalah Economic Review Penyelenggara / Organizer:
Majalah Peluang
6. The Best Indonesia Finance for Public Company 2023 7. Gold Award-Excellent Indonesia IT Award V 2023 kategori
kategori Platinum Award (A) Very Excellent Asset The Best IT-for Bank Aset Rp20T-Rp30 T
Rp20 T–Rp30 T Gold Award-Excellent Indonesia IT Award V 2023 in the
The Best Indonesia Finance for Public Company 2023 in category of The Best IT-for Bank Assets of Rp20 T-Rp30 T
Platinum Award (A) Very Excellent category of Asset of Tanggal / Dated:
Rp20 T–Rp30 T 8 Desember 2023 / 8 December 2023
Tanggal / Dated: Acara / Event:
17 November 2023
Indonesia IT Award V 2023
Acara / Event:
Indonesia Finance Award VI 2023
Penerima / Awardee:
Bank Victoria
Penerima / Awardee:
Bank Victoria Penyelenggara / Organizer:
Economic Review
Penyelenggara / Organizer:
Economic Review
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 29
Page 32
LAPORAN
MANAJEMEN
Performance Highlights
30 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Page 33
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 31
Page 34
Laporan Manajemen
Management Report
Laporan
Dewan
Komisaris
Board of
Commissioners’ Report
ZAENAL
ABIDIN Ph.D
Komisaris Utama Independen
Independent President Commissioner
Pemegang Saham dan Pemangku Kepentingan yang Terhormat,
Dear Honorable Shareholders and Stakeholders,
Pertama-tama, mari kita bersama-sama memanjatkan puji dan syukur kepada Tuhan Yang Maha Esa karena atas segala
nikmat dan karunia-Nya, Bank Victoria dapat melalui tahun 2023 dengan sejumlah pencapaian yang membanggakan. Dalam
kesempatan yang baik ini, perkenankan saya mewakili Dewan Komisaris menyampaikan laporan pengawasan pengelolaan
usaha Bank Victoria untuk tahun buku 2023. Pada laporan ini, kami berharap dapat memberikan gambaran yang jelas mengenai
berbagai hal berkaitan dengan pelaksanaan tugas dan tanggung jawab Dewan Komisaris, antara lain pengawasan terhadap
implementasi strategi, penilaian kami terhadap kinerja Direksi, pandangan atas prospek usaha yang disusun oleh Direksi,
pandangan atas penerapan tata kelola perusahaan, serta pandangan atas penerapan tanggung jawab sosial dan lingkungan
Bank Victoria sepanjang tahun 2023.
First of all, we would like to send praise and gratitude to the God Almighty for all His blessings and gifts that Bank Victoria
could go through 2023 with a number of proud achievements. On this auspicious occasion, allow me to represent the Board of
Commissioners to deliver the supervisory report on Bank Victoria’s business management for the 2023 fiscal year. In this report,
we hope to provide a clear picture of various matters relating to the implementation of duties and responsibilities of Board of
Commissioners, including strategy implementation supervision, our assessment of the Board of Directors’ performance, views
on business prospects prepared by the Board of Directors, views on the implementation of corporate governance, and views on
Bank Victoria’s implementation of social and environmental responsibility throughout 2023.
32 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Page 35
Kondisi Makroekonomi dan Industri Macroeconomic Conditions and Banking
Perbankan Tahun 2023 Industry in 2023
Kondisi makroekonomi global tahun 2023 dipengaruhi oleh Global macroeconomic conditions in 2023 were influenced by
berbagai tantangan yang berdampak pada terhambatnya laju various challenges with impact on hampering the overall rate of
pertumbuhan ekonomi global secara keseluruhan. Ketegangan global economic growth. The geopolitical tensions that went on,
geopolitik yang terus berlanjut, tingginya tingkat inflasi global, high levels of global inflation, and tightening monetary policy
serta pengetatan kebijakan moneter oleh bank sentral di beberapa by central banks in several countries were main factors slowing
negara telah menjadi faktor utama yang memperlambat laju down the rate of global economic growth. Global economic
pertumbuhan ekonomi global tersebut. Pertumbuhan ekonomi growth in 2023 reached 3.0%, slowing compared to that of 2022
global tahun 2023 mencapai 3,0%, melambat dibandingkan of 3.4%. Amidst the trend of slowing global economic growth,
tahun 2022 sebesar 3,4%. Di tengah tren pelambatan the Indonesian economy showed good resilience by recording
pertumbuhan ekonomi global tersebut, perekonomian Indonesia growth of 5.04%. Strong support from maintained people’s
menunjukkan daya tahan yang baik dengan mencatatkan purchasing power and consumption, decreased inflation rates,
pertumbuhan sebesar 5,04%. Dukungan kuat dari terjaganya effective implementation of fiscal and monetary policies from
daya beli dan konsumsi masyarakat, penurunan tingkat inflasi, the government, as well as continued realization of National
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 33
Page 36
Laporan Manajemen
Management Report
implementasi kebijakan fiskal dan moneter dari pemerintah yang Strategic Projects (PSN) are the main pillars in maintaining
efektif, serta keberlanjutan realisasi Proyek Strategis Nasional Indonesia’s economic resilience.
(PSN) menjadi pilar utama dalam mempertahankan ketahanan
ekonomi Indonesia.
Dampak positif dari ketahanan ekonomi Indonesia ini terlihat pada The positive impact of Indonesia’s economic resilience can be
kinerja berbagai sektor industri, termasuk sektor keuangan dan seen in the performance of various industrial sectors, including
perbankan. Capaian kredit dan pertumbuhan dana pihak ketiga financial and banking sectors. Credit achievements and growth
menunjukkan peningkatan dibandingkan tahun sebelumnya yang in third party funds showed an increase compared to that of the
menggambarkan bahwa sektor perbankan mampu meraih kinerja previous year, reflecting that banking sector managed to achieve
yang positif di tengah tren kenaikan suku bunga yang berlangsung positive performance amidst the trend of increasing interest
sepanjang tahun. Kinerja positif yang mampu diraih sektor perbankan rates that lasted throughout the year. The positive performance
ini juga mengindikasikan bahwa strategi dan inovasi yang dilakukan achieved by banking sector also indicates that strategies and
oleh para pelaku usaha di sektor perbankan dalam menghadapi innovations carried out by business actors in banking sector in
tantangan eksternal telah memberikan hasil yang positif. Dengan facing external challenges have provided positive results. With
adanya kepercayaan yang terus tumbuh dari para pemangku the continued growth of trust from stakeholders, the banking
kepentingan, sektor perbankan memiliki peran strategis dalam sector has a strategic role in supporting inclusive and sustainable
mendukung pertumbuhan ekonomi yang inklusif dan berkelanjutan. economic growth.
Pengawasan terhadap Perumusan dan Supervision of Bank Victoria’s Strategy
Implementasi Strategi Bank Victoria Formulation and Implementation
Mencermati tantangan dan peluang yang berkembang sepanjang With due observance of challenges and opportunities that
tahun 2023, Dewan Komisaris secara rutin melakukan pengawasan developed throughout 2023, the Board of Commissioners
terhadap perumusan dan implementasi strategi Bank Victoria. routinely supervises the formulation and implementation of
Pada pelaksanaannya, Dewan Komisaris mengoptimalkan Bank Victoria’s strategy. In its implementation, the Board of
rapat gabungan bersama Direksi sebagai media utama dalam Commissioners optimizes joint meetings with the Board of
melakukan pengawasan terhadap perumusan dan implementasi Directors as the main media in supervising the formulation and
strategi Bank Victoria. Pengawasan ini melibatkan penilaian implementation of Bank Victoria’s strategy. In addition, the Board
menyeluruh terhadap pelaksanaan Rencana Bisnis Bank (RBB), of Commissioners also regularly evaluates factors influencing
seperti evaluasi terhadap aspek kuantitatif dan kualitatif dari Bank Victoria’s overall performance, such as aspects of capital,
pencapaian target finansial dan strategi bisnis. Selain itu, Dewan profitability, risk management, and GCG.
Komisaris juga secara teratur mengevaluasi faktor-faktor yang
mempengaruhi kinerja Bank Victoria secara keseluruhan, seperti
aspek permodalan, rentabilitas, serta manajemen risiko, dan GCG.
Selain itu, Dewan Komisaris juga memberikan masukan-masukan Furthermore, the Board of Commissioners also provides strategic
yang strategis kepada Direksi terkait dengan berbagai aspek input to the Board of Directors regarding various aspects of Bank
kinerja Bank Victoria. Hal ini bertujuan untuk memastikan bahwa Victoria’s performance. This aims to ensure that Bank Victoria can
Bank Victoria dapat menjaga keseimbangan antara pertumbuhan maintain a balance between sustainable growth and effective risk
yang berkelanjutan dengan manajemen risiko yang efektif. management. With comprehensive supervision and constructive
Dengan pengawasan yang komprehensif serta rekomendasi yang recommendations, Bank Victoria is able to identify opportunities
konstruktif, Bank Victoria dapat mengidentifikasi peluang dan and overcome challenges arising in the market, and ensure that
mengatasi tantangan yang muncul di pasar, serta memastikan the implemented business strategy is in line with the Company’s
bahwa strategi bisnis yang dijalankan sesuai dengan tujuan objectives to achieve sustainable growth and provide added value
perusahaan untuk mencapai pertumbuhan yang berkelanjutan for stakeholders.
dan memberikan nilai tambah bagi para pemangku kepentingan.
Penilaian terhadap Kinerja Direksi mengenai Assessment of the Board of Directors’
Pengelolaan Bank Victoria Performance regarding Management of Bank
Victoria
Penilaian terhadap kinerja Direksi dalam pengelolaan Bank Assessment of the Board of Directors’ performance in managing
Victoria merupakan salah satu aspek penting dalam fungsi Bank Victoria is an important aspect in supervisory function
pengawasan atas pengelolaan Bank Victoria. Oleh karena itu, over the management of Bank Victoria. Therefore, the Board of
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Dewan Komisaris secara berkala melakukan evaluasi yang Commissioners periodically conducts in-depth evaluations of the
mendalam terhadap kinerja Direksi dalam mengelola berbagai Board of Directors’ performance in managing various operational
aspek operasional dan strategis Bank Victoria. Evaluasi ini and strategic aspects of Bank Victoria. This evaluation includes
mencakup penilaian terhadap pencapaian tujuan strategis assessment of the achievement of Bank Victoria’s strategic
Bank Victoria, efektivitas pengelolaan risiko, kualitas keputusan objectives, the effectiveness of risk management, the quality
strategis yang diambil, serta transparansi dan integritas dalam of strategic decisions made, and transparency and integrity in
menjalankan tugasnya. Selain itu, Dewan Komisaris juga performing its duties. Furthermore, the Board of Commissioners
mengevaluasi kemampuan Direksi dalam mengantisipasi dan also evaluates the Board of Directors’ ability to anticipate and
merespons perubahan lingkungan eksternal, termasuk kondisi respond to changes in external environment, including market
pasar, perubahan regulasi, dan tren industri perbankan. Kinerja conditions, regulatory changes, and trends in banking industry.
Direksi juga dinilai berdasarkan kemampuan dalam memelihara The Board of Directors’ performance is also assessed based on its
stabilitas keuangan dan pertumbuhan yang sehat bagi Bank ability to maintain financial stability and healthy growth for Bank
Victoria serta inisiatif dalam memajukan pelayanan kepada Victoria and its initiatives in advancing services to customers and
nasabah dan masyarakat secara keseluruhan. community as a whole.
Berdasarkan hasil evaluasi yang dilakukan, kami mengapresiasi Based on the evaluation results, we appreciate the performance
kinerja yang telah ditunjukkan oleh Direksi dalam mengoptimalkan shown by the Board of Directors in optimizing the achievement of
pencapaian target-target yang telah ditetapkan sebelumnya. previously set targets. From operational aspect, Bank Victoria’s
Dari aspek operasional, total simpanan Bank Victoria mencatatkan total deposits recorded a growth of 15.78%, indicating success
pertumbuhan sebesar 15,78%, yang menunjukkan keberhasilan in expanding fund base, a very important aspect for the Bank’s
dalam memperluas basis dana yang sangat penting bagi kegiatan operational activities. Furthermore, credit achievement which
operasional bank. Selain itu, capaian kredit mencatatkan recorded growth of 17.72% showed Bank Victoria’s commitment
pertumbuhan sebesar 17,72% menunjukkan komitmen Bank to supporting financing for various economic sectors, one
Victoria dalam mendukung pembiayaan bagi berbagai sektor indicator of success in supporting the national economic growth.
ekonomi, yang merupakan salah satu indikator keberhasilan
dalam mendukung pertumbuhan ekonomi nasional.
Kinerja ini juga memungkinkan capaian profitabilitas Bank This performance also enabled Bank Victoria’s profitability to be
Victoria terjaga dengan baik, terutama melalui perolehan properly maintained, particularly through interest income growth
pertumbuhan pendapatan bunga sebesar 7,71%. Hal ini of 7.71%. This reflects the success of the Board of Directors in
mencerminkan keberhasilan Direksi dalam mengelola aset- managing Bank assets efficiently and maintaining Bank Victoria’s
aset bank dengan efisien serta menjaga stabilitas keuangan financial stability. Nonetheless, we also understood that financial
Bank Victoria. Namun demikian, kami juga memahami bahwa market volatility and the trend of increasing interest rates
volatilitas pasar keuangan serta tren kenaikan suku bunga yang that occurred throughout 2023 also affected Bank Victoria’s
terjadi sepanjang tahun 2023 turut memengaruhi kinerja Bank performance, particularly in relation to the decline in net profit.
Victoria, terutama terkait dengan penurunan capaian laba We believe that the Board of Directors has taken appropriate
bersih. Kami percaya bahwa Direksi telah mengambil langkah- steps in facing this challenge, and we are optimistic that with
langkah yang tepat dalam menghadapi tantangan ini, dan kami the appropriate strategy, Bank Victoria will continue to grow and
optimis bahwa dengan strategi yang tepat, Bank Victoria akan provide added value for all stakeholders in the future.
terus berkembang dan memberikan nilai tambah bagi seluruh
pemangku kepentingan ke depan.
Hasil dari penilaian kinerja Direksi kemudian akan menjadi The results of the Board of Directors’ performance assessment
dasar bagi Dewan Komisaris untuk memberikan masukan dan will then serve as the basis for the Board of Commissioners to
rekomendasi kepada Direksi, baik untuk memperkuat keberhasilan provide input and recommendations to the Board of Directors,
yang telah dicapai maupun untuk meningkatkan kinerja di area- both to strengthen the successes achieved and to improve
area yang perlu perbaikan. Dengan demikian, penilaian kinerja performance in areas requiring improvement. Thus, assessment
Direksi merupakan bagian integral dari upaya Dewan Komisaris of the Board of Directors’ performance is an integral part of the
dalam memastikan bahwa Bank Victoria dikelola dengan baik dan Board of Commissioners’ efforts to ensure that Bank Victoria
efektif sesuai dengan prinsip-prinsip tata kelola perusahaan yang is managed properly and effectively, in accordance with the
baik. principles of good corporate governance.
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Pandangan atas Prospek Usaha Views on Business Outlook
Pandangan atas prospek usaha Bank Victoria menyoroti berbagai Bank Victoria’s view of business prospects highlights various
aspek yang menjadi faktor penentu dalam menghadapi masa aspects that determine factors in facing the future. In this
depan. Dalam konteks ini, kami melihat Bank Victoria memiliki context, we believe that Bank Victoria has great potential
potensi yang besar untuk terus berkembang dan memberikan to continue to develop and make positive contributions to
kontribusi positif bagi pemangku kepentingan. Optimisme ini stakeholders. This optimism is supported by projections of stable
didukung dengan proyeksi pertumbuhan ekonomi nasional yang national economic growth, government support for financial
stabil, dukungan pemerintah terhadap sektor keuangan, dan sector, and changes in people’s consumption patterns which
perubahan pola konsumsi masyarakat yang semakin cenderung increasingly tend to be digital, becoming the main opportunity
digital menjadi peluang utama yang dapat dimanfaatkan. Selain to be utilized. Apart from that, the adoption of technology in
itu, adopsi teknologi dalam layanan keuangan menjadi salah financial services is an important point in increasing operational
satu poin penting dalam meningkatkan efisiensi operasional dan efficiency and expanding the reach of services to customers.
memperluas jangkauan layanan kepada nasabah. Oleh karena Therefore, we observe that Bank Victoria can take advantage
itu, kami memandang bahwa Bank Victoria dapat memanfaatkan of the digitalization trend to develop innovative products and
tren digitalisasi untuk mengembangkan produk dan layanan yang services, so as to provide greater added value for customers and
inovatif, sehingga dapat memberikan nilai tambah yang lebih besar create competitive differentiation in the market.
bagi nasabah dan menciptakan diferensiasi kompetitif di pasar.
Namun, di sisi lain, Bank Victoria juga menghadapi berbagai However, on the other side, Bank Victoria also needs to face various
tantangan seperti persaingan yang semakin ketat, perubahan challenges, such as increasingly fierce competition, dynamic
regulasi yang dinamis serta risiko-risiko yang terkait dengan regulatory changes, and risks related to changes in economic
perubahan kondisi ekonomi dan pasar. Oleh karena itu, strategi and market conditions. Therefore, proactive strategies in risk
yang proaktif dalam manajemen risiko, adaptasi terhadap management, adaptation to changes in business environment,
perubahan lingkungan bisnis, serta fokus pada pelayanan and focus on high-quality services to customers are keys to
berkualitas tinggi kepada nasabah menjadi kunci dalam utilizing existing opportunities and overcoming the encountered
memanfaatkan peluang-peluang yang ada dan mengatasi challenges. With an optimistic but realistic view of business
tantangan yang dihadapi. Dengan pandangan yang optimis prospects, the Board of Commissioners believes that Bank
namun realistis terhadap prospek usaha, Dewan Komisaris Victoria can continue to innovate, increase competitiveness, and
berkeyakinan Bank Victoria dapat terus berinovasi, meningkatkan strengthen its position as one of business players in Indonesian
daya saing, dan memperkuat posisinya sebagai salah satu pelaku banking industry.
bisnis dalam industri perbankan Indonesia.
Pandangan atas Penerapan Tata Kelola Views on the Implementation of Good
Perusahaan yang Baik Corporate Governance
Penerapan tata kelola perusahaan yang baik (good corporate The implementation of good corporate governance (GCG)
governance/GCG) merupakan fondasi yang kuat dalam menjaga is a strong foundation in maintaining integrity, trust, and
integritas, kepercayaan, dan keberlanjutan Bank Victoria. Kami sustainability of Bank Victoria. We also observe that GCG is not
juga memandang bahwa GCG bukan hanya sekadar kepatuhan only a compliance with applicable regulations and standards,
terhadap regulasi dan standar yang berlaku, tetapi juga mencakup but also includes high ethical values, transparency, and
nilai-nilai etika, transparansi, dan akuntabilitas yang tinggi dalam accountability in each Bank Victoria’s management aspect.
setiap aspek pengelolaan Bank Victoria. Oleh karena itu, kami Therefore, we emphasize the importance of implementing GCG
menekankan pentingnya menerapkan prinsip-prinsip GCG secara principles thoroughly in every decision and action taken by Bank
menyeluruh dalam setiap keputusan dan tindakan yang diambil Victoria. This includes the strategic decision making process,
oleh Bank Victoria. Hal ini termasuk dalam proses pengambilan risk management, GCG implementation, and relationships with
keputusan strategis, pengelolaan risiko, penerapan GCG, serta stakeholders. We believe that by consistently implementing GCG,
hubungan dengan pemangku kepentingan. Kami percaya bahwa Bank Victoria can strengthen its reputation as a responsible,
dengan menerapkan GCG secara konsisten, Bank Victoria dapat professional, and trustworthy entity in the eyes of the market,
memperkuat reputasi sebagai entitas yang bertanggung jawab, shareholders and society at large. Furthermore, implementing
profesional, dan dapat dipercaya di mata pasar, Pemegang good GCG will also help Bank Victoria face complex challenges
Saham, dan masyarakat secara luas. Selain itu, penerapan GCG in a dynamic business environment and compete fairly in the
yang baik juga akan membantu Bank Victoria dalam menghadapi banking industry.
tantangan-tantangan yang kompleks di lingkungan bisnis yang
dinamis dan bersaing secara sehat dalam industri perbankan.
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Berdasarkan pandangan Dewan Komisaris atas penerapan GCG Based on the Board of Commissioners’ views on the
yang telah dijalankan sepanjang tahun 2023, kami melihat implementation of GCG throughout 2023, we see that efforts to
bahwa upaya-upaya dalam menjaga sekaligus meningkatkan maintain and improve the overall quality of GCG implementation
kualitas penerapan GCG secara keseluruhan di Bank Victoria at Bank Victoria have improved. The concrete steps taken include
telah semakin baik. Langkah-langkah konkret yang telah diambil increasing supervision of decision-making process, implementing
termasuk peningkatan pengawasan terhadap proses pengambilan ethical business practices, and increasing communication and
keputusan, pelaksanaan praktik-praktik bisnis yang beretika, serta openness to stakeholders. Apart from that, we also see a strong
peningkatan komunikasi dan keterbukaan kepada pemangku commitment from the Board of Directors in complying with
kepentingan. Selain itu, kami juga melihat adanya komitmen yang applicable GCG standards, both in terms of transparent financial
kuat dari Direksi dalam mematuhi standar GCG yang berlaku, reporting and maintaining independence and objectivity in
baik itu dalam hal pelaporan keuangan yang transparan maupun decision making. However, we also realize that there is still room
dalam menjaga independensi dan objektivitas dalam pengambilan for improvement and enhancement in certain aspects. Thus, we
keputusan. Meskipun demikian, kami juga menyadari bahwa masih are committed to playing an active role in improving the quality
terdapat ruang untuk perbaikan dan peningkatan dalam beberapa of GCG implementation at Bank Victoria by paying attention to
aspek tertentu. Dengan demikian, kami berkomitmen untuk turut recommendations and input provided by related parties, and
berperan aktif dalam meningkatkan kualitas penerapan GCG di through continuous evaluation and improvement in the GCG
Bank Victoria dengan memperhatikan rekomendasi dan masukan process.
yang diberikan oleh pihak-pihak terkait, serta melalui evaluasi dan
perbaikan terus-menerus dalam proses GCG.
Pandangan atas Penerapan Tanggung Jawab Views on the Implementation of Social and
Sosial dan Lingkungan Environmental Responsibility
Tanggung jawab sosial dan lingkungan menjadi hal yang penting Social and environmental responsibility is an important matter
dalam menjaga harmoni antara pertumbuhan bisnis dengan in maintaining harmony between business growth and positive
dampak positif terhadap masyarakat dan lingkungan sekitar. Kami impacts on community and surrounding environment. We
percaya bahwa sebagai entitas korporasi, Bank Victoria memiliki believe that as a corporate entity, Bank Victoria has a moral
tanggung jawab moral dan etis untuk berkontribusi positif dalam and ethical responsibility to contribute positively to building a
membangun masyarakat yang lebih berkelanjutan dan sejahtera. more sustainable and prosperous community. In this context, we
Dalam konteks ini, kami telah mengamati langkah-langkah have observed the steps taken by Bank Victoria in implementing
yang diambil oleh Bank Victoria dalam menerapkan tanggung social and environmental responsibility. Such steps include CSR
jawab sosial dan lingkungan. Langkah-langkah tersebut meliputi programs that focus on improving community facilities and
program-program CSR yang berfokus pada perbaikan sarana dan infrastructure, providing donations, and business practices with
prasarana sosial, pemberian donasi, serta praktik-praktik bisnis due observance of environmental impacts. We also appreciate
yang memperhatikan dampak lingkungan. Kami juga mengapresiasi Bank Victoria’s commitment to channeling financing to debtors
komitmen Bank Victoria dalam menyalurkan pembiayaan kepada who always pay attention to environmental sustainability in their
debitur-debitur yang senantiasa memperhatikan kelestarian operational activities.
lingkungan dalam kegiatan operasionalnya.
Selain itu, kami juga melihat bahwa Bank Victoria telah Furthermore, we also review that Bank Victoria has paid
memperhatikan aspek lingkungan dalam kegiatan operasional attention to environmental aspects in operational activities
dengan mengimplementasikan praktik-praktik yang ramah by implementing environmentally friendly and sustainable
lingkungan dan berkelanjutan, seperti penggunaan sumber daya practices, such as responsible use of resources, efficient waste
yang bertanggung jawab, pengelolaan limbah yang efisien, serta management, and support for greening programs around the
dukungan terhadap program-program penghijauan di sekitar operational area. Nevertheless, we still believe that there is still
area operasional. Meskipun demikian, kami tetap memandang room for improvement and enhancement in the implementation
bahwa masih terdapat ruang untuk perbaikan dan peningkatan of social and environmental responsibility. We encourage Bank
dalam penerapan tanggung jawab sosial dan lingkungan. Victoria to continuously improve CSR programs with direct impact
Kami mendorong Bank Victoria untuk terus meningkatkan on community and strengthen sustainable practices in banking
program-program CSR yang berdampak langsung bagi operational activities. In this way, Bank Victoria can make greater
masyarakat, serta memperkuat praktik-praktik berkelanjutan and more sustainable contribution in establishing positive value
dalam kegiatan operasional perbankan. Dengan demikian, Bank for the community and the surrounding environment.
Victoria dapat memberikan kontribusi yang lebih besar dan
berkelanjutan dalam menciptakan nilai positif bagi masyarakat
dan lingkungan sekitar.
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Perubahan Komposisi Anggota Dewan Changes in the Board of Commissioners’
Komisaris Composition
Sepanjang tahun 2023, tidak terdapat perubahan terkait Throughout 2023, there were no changes to the composition
komposisi anggota Dewan Komisaris Bank Victoria. Komposisi of the Board of Commissioners of Bank Victoria. The current
Dewan Komisaris yang menjabat saat ini meliputi: composition of the Board of Commissioners includes:
Komisaris Utama : Zaenal Abidin, Ph.D Independent President : Zaenal Abidin, Ph.D
Independen Commissioner
Komisaris/Komisaris : Gunawan Tenggarahardja Commissioner/Independent : Gunawan Tenggarahardja
Independen Commissioner
Komisaris : Sia Leng Ho Commissioner : Sia Leng Ho
Penutup Closing
Menutup penyampaian laporan ini, saya atas nama Dewan Concluding the submission of this report, I, on behalf of the
Komisaris Bank Victoria menyampaikan apresiasi dan terima Board of Commissioners of Bank Victoria, would like to express
kasih yang tulus kepada Direksi atas kepemimpinan yang kuat our sincere appreciation and gratitude to the Board of Directors
dan visi strategisnya yang telah membimbing perjalanan sukses for their strong leadership and strategic vision that have guided
Bank Victoria. Bank Victoria’s successful journey.
Apresiasi dan terima kasih juga diberikan kepada Pemegang Saham Appreciation and thanks are also expressed to the Shareholders
atas dukungan yang telah diberikan, baik dalam bentuk investasi for their supports, both in the form of investment and continued
maupun kepercayaan yang terus dipertahankan, sehingga menjadi trust, thus providing a solid foundation for Bank Victoria to
fondasi yang kokoh bagi Bank Victoria untuk terus tumbuh dan continue to grow and develop amidst competitive market
berkembang di tengah dinamika pasar yang kompetitif. dynamics.
Ucapan terima kasih juga kami sampaikan kepada Nasabah yang We also would like to express our gratitude to the customers
telah memilih Bank Victoria sebagai mitra keuangan, Regulator who have chosen Bank Victoria as their financial partner, to
atas bimbingan yang berharga dalam menjalankan operasional the regulators for their valuable guidance in performing Bank
Bank Victoria dengan baik dan sesuai regulasi, serta kepada Victoria’s operations properly and according to regulations, and
pemangku kepentingan lainnya yang telah memberikan dukungan to other stakeholders who have provided meaningful support and
dan kerja sama yang berarti bagi kemajuan Bank Victoria. cooperation for the progress of Bank Victoria.
Semoga kerja sama yang telah terjalin dapat terus ditingkatkan We hope the established cooperation can continue to be
dan menghasilkan nilai tambah yang berkelanjutan bagi seluruh improved and produce sustainable added value for all related
pihak terkait. Dengan sinergi yang kuat, Bank Victoria dapat parties. With strong synergy, Bank Victoria can continue to
terus berkembang dalam persaingan industri perbankan yang develop, in a competitive banking industry, to become a Bank
bertanggung jawab, profesional, dan memberikan dampak positif that is responsible, professional, and having positive impact on
bagi masyarakat dan lingkungan sekitar. community and the surrounding environment.
Jakarta, April 2024
Atas nama Dewan Komisaris PT Bank Victoria International Tbk
On behalf of the Board of Commissioners of PT Bank Victoria International Tbk
Zaenal Abidin Ph.D
Komisaris Utama Independen
Independent President Commissioner
38 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Dewan Komisaris
Board of Commissioners
3 1 2
1. Zaenal Abidin Ph.D 2. Gunawan Tenggarahardja 3. Sia Leng Ho
Komisaris Utama Independen Komisaris/Komisaris Independen Komisaris
President Commissioner Independent Commissioner/Independent Commissioner Commissioner
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Laporan Manajemen
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Laporan
Direksi
Board of
Directors’ Report
ACHMAD
FRISCANTONO
Direktur Utama
President Director
Pemegang Saham dan Pemangku Kepentingan yang Terhormat,
Dear Honorable Shareholders and Stakeholders,
Puji dan syukur kami panjatkan kepada Tuhan Yang Maha Esa atas pencapaian dan kinerja membanggakan yang telah diraih
Bank Victoria selama tahun 2023. Merupakan suatu kehormatan bagi kami, mewakili Direksi Bank Victoria menyampaikan
laporan kinerja Bank untuk tahun buku 2023. Di tengah berbagai tantangan dan dinamika, Bank Victoria terus berupaya
untuk mempertahankan keunggulan-keunggulan kompetitif yang dimiliki dalam rangka meningkatkan daya saing sebagai
salah satu pelaku utama dalam industri perbankan yang bertanggung jawab, profesional, dan memberikan nilai tambah yang
berkelanjutan bagi semua pemangku kepentingan. Melalui laporan ini, kami ingin menggambarkan perjalanan yang telah kami
lalui, mencatat pencapaian yang diraih, serta menguraikan strategi yang telah kami rancang untuk memastikan pertumbuhan
berkelanjutan Bank Victoria.
Let us send praise and express gratitude to the God Almighty for the proud achievements and performance achieved by
Bank Victoria throughout 2023. It is an honor for us, representing the Board of Directors of Bank Victoria to present the
Bank’s performance report for the 2023 fiscal year. In the midst of various challenges and dynamics, Bank Victoria strives to
maintain its competitive advantages to increase its competitiveness as one main player in banking industry that is responsible,
professional, and provides sustainable added value for all stakeholders. Through this report, we would like to describe the
journey we have gone through, record the achievements achieved, and outline the strategies designed to ensure sustainable
growth of Bank Victoria.
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Tantangan Ekonomi dan Industri Perbankan Economic Challenges and Banking Industry
Tahun 2023 in 2023
Perkembangan perekonomian global tahun 2023 kembali The development of the global economy in 2023 was faced with
dihadapkan pada berbagai tantangan dan dinamika yang various challenges and dynamics that influenced the slowdown
mempengaruhi pelambatan pertumbuhan ekonomi global. in global economic growth. Geopolitical uncertainties, such as
Ketidakpastian geopolitik, seperti perang Rusia di Ukraina maupun Russia’s war in Ukraine and trade tensions between the United
ketegangan perdagangan antara Amerika Serikat dan Tiongkok, States and China, were major factors hampering the rate of global
menjadi faktor utama yang menghambat laju pertumbuhan economic growth. Furthermore, global economic dynamics
ekonomi global. Selain itu, dinamika ekonomi global juga were also affected by increased financial market uncertainty,
dipengaruhi oleh peningkatan ketidakpastian pasar keuangan, commodity price fluctuations, and economic imbalances
fluktuasi harga komoditas, dan ketidakseimbangan ekonomi between countries. The widening disparity in economic growth
antarnegara. Disparitas pertumbuhan ekonomi yang semakin was also a major concern in the global economy. Some developed
melebar juga menjadi perhatian utama dalam perekonomian countries managed to maintain stable economic growth, while
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Laporan Manajemen
Management Report
global. Beberapa negara maju berhasil mempertahankan emerging economies encountered more significant challenges,
pertumbuhan ekonomi yang stabil, sementara ekonomi- particularly in maintaining currency stability and controlling
ekonomi negara berkembang menghadapi tantangan yang lebih inflation levels. Such matters showed the complexity in global
signifikan, terutama dalam menjaga stabilitas mata uang dan economic dynamics requiring collaborative efforts to overcome
mengendalikan tingkat inflasi. Hal ini menunjukkan kompleksitas the issues and maintain overall economic stability.
dalam dinamika perekonomian global yang membutuhkan upaya
kolaboratif untuk mengatasi masalah yang dihadapi dan menjaga
stabilitas ekonomi secara keseluruhan.
Di tengah tantangan perekonomian global, perekonomian Amidst global economic challenges, the Indonesian economy
Indonesia tahun 2023 terus menunjukkan kestabilan dan daya in 2023 continued to show stability and resilience by recording
tahan dengan mencatatkan pertumbuhan sebesar 5,04%. Hal a growth of 5.04%. This showed that economic policies,
ini menunjukkan bahwa kebijakan-kebijakan ekonomi yang implemented by the government together with financial
diterapkan oleh pemerintah, bersama dengan stabilitas keuangan stability and maintained investor confidence, provided a strong
dan kepercayaan investor yang terjaga, memberikan fondasi yang foundation for sustainable economic growth in Indonesia. The
kuat bagi pertumbuhan ekonomi yang berkelanjutan di Indonesia. contribution of key sectors, such as sectors of service that was
Kontribusi sektor-sektor kunci seperti sektor jasa yang dinamis, dynamic, industry that continued to innovate, and agriculture
industri yang terus berinovasi, dan pertanian yang semakin that was increasingly productive, also strengthened the
produktif, turut memperkuat kinerja ekonomi nasional. Tidak national economic performance. Not only that, inflation that
hanya itu, inflasi yang tetap terjaga pada tingkat yang moderat was maintained at moderate level was also an important factor
juga menjadi faktor penting dalam menjaga stabilitas ekonomi in maintaining Indonesia’s economic stability, strengthening
Indonesia, memperkuat daya beli masyarakat, dan mendorong people’s purchasing power, and encouraging sustainable
investasi yang berkelanjutan. Capaian ini mendorong berbagai investment. This achievement encouraged various national
sektor industri nasional mencatatkan kinerja yang kondusif, industrial sectors to record conducive performance, including the
termasuk sektor keuangan. financial sector.
Di sektor keuangan, industri perbankan Indonesia menunjukkan In financial sector, Indonesian banking industry demonstrated
ketahanan yang baik meskipun dalam situasi ekonomi yang good resilience despite the challenging economic situation.
menantang. Pertumbuhan kredit perbankan kepada pihak ketiga Banking loans to third parties was recorded increasing by
tercatat 10,38%, menunjukkan bahwa sektor keuangan mampu 10.38%, indicating that financial sector continued to support
terus mendukung aktivitas ekonomi dan memainkan peran economic activity and played an important role in driving growth.
penting dalam mendorong pertumbuhan. Selain itu, Dana Pihak Furthermore, Third Party Funds (DPK) also recorded a growth of
Ketiga (DPK) juga mencatatkan pertumbuhan sebesar 3,73%, 3.73%, indicating that banking sector liquidity remained well
mengindikasikan bahwa likuiditas sektor perbankan tetap terjaga maintained. Efforts to develop innovative banking products and
dengan baik. Upaya pengembangan inovasi produk dan layanan services also contributed to expanding financial access and
perbankan juga turut berkontribusi dalam memperluas akses increasing financial inclusion at various levels of community.
keuangan dan meningkatkan inklusi keuangan di berbagai lapisan In facing changing economic dynamics, banking industry kept
masyarakat. Dalam menghadapi dinamika ekonomi yang berubah- focus on improving operational efficiency and managing risk
ubah, industri perbankan tetap fokus pada upaya meningkatkan more effectively. This was inseparable from efforts to maintain
efisiensi operasional dan mengelola risiko dengan lebih efektif. the stability and growth of banking industry as a whole, while
Hal ini tidak terlepas dari upaya untuk menjaga stabilitas dan ensuring that this sector remained the main driver in supporting
pertumbuhan industri perbankan secara keseluruhan, sekaligus Indonesia’s economic growth.
memastikan bahwa sektor ini tetap menjadi pendorong utama
dalam mendukung pertumbuhan ekonomi Indonesia.
Kebijakan dan Strategi Keberlanjutan yang Policies and Sustainability Strategies Taken
Ditempuh Bank Victoria by Bank Victoria
Menghadapi tantangan serta peluang yang berkembang Facing growing challenges and opportunities throughout
sepanjang tahun 2023, Bank Victoria telah mengadopsi kebijakan 2023, Bank Victoria adopted policies and strategies aimed at
dan strategi yang bertujuan untuk memperkuat daya saing di pasar strengthening competitiveness in the market and meeting
dan memenuhi kebutuhan serta harapan pelanggan. Dari segi customer needs and expectations. From operational perspective,
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operasional, Bank Victoria memprioritaskan strategi pendanaan Bank Victoria prioritizes funding strategies as a strategic step
sebagai langkah strategi dalam menjaga dan meningkatkan in maintaining and increasing customer loyalty. Bank Victoria
loyalitas nasabah. Bank Victoria berharap menjadi Bank pilihan expects to be customers’ preferred Bank that is trusted, healthy,
nasabah yang dipercaya, sehat, efisien, dan mendukung efficient, and supporting sustainable growth by prioritizing
pertumbuhan berkelanjutan dengan mengedepankan kebutuhan customer needs, developing human resources, carrying out
nasabah, mengembangkan sumber daya manusia, menjalankan banking operations by applying prudential principle, and
operasional perbankan dengan menerapkan prinsip kehati- implementing risk management processes in accordance with
hatian, serta mengimplementasikan proses manajemen risiko the Bank’s vision and mission.
sesuai visi dan misi Bank.
Di sisi lain, strategi bidang perkreditan diprioritaskan pada On the other hand, credit sector strategy prioritizes efforts to
upaya menjaga dan meningkatkan kualitas kredit dengan target maintain and improve credit quality with a target of healthy and
pertumbuhan yang sehat dan berkesinambungan. Bank Victoria sustainable growth. Bank Victoria always pays attention to the
senantiasa memperhatikan kualitas portofolio kredit, termasuk quality of its credit portfolio, including careful customer selection
pemilihan nasabah yang cermat dan pengelolaan risiko yang and effective risk management. In this way, Bank Victoria can
efektif. Dengan demikian, Bank Victoria dapat meminimalkan minimize credit risk and ensure that the credit growth achieved
risiko kredit dan memastikan bahwa pertumbuhan kredit yang is sustainable and makes a positive contribution to the Bank’s
dicapai adalah berkelanjutan dan memberikan kontribusi positif financial results.
terhadap hasil kinerja keuangan Bank.
Selain itu, Bank Victoria juga melakukan pengembangan secara Furthermore, Bank Victoria also carries out continuous
berkelanjutan dalam revamping terhadap internet banking dan development in revamping internet banking and mobile banking.
mobile banking. Langkah ini direalisasikan melalui pengembangan This step is realized through the development of excellent and
fitur-fitur yang unggul dan aman, sehingga memberikan secure features, thereby providing easy access and smooth and
kemudahan akses dan pengalaman bertransaksi yang lancar efficient transaction experience for customers. By continuing
dan efisien bagi nasabah. Dengan terus meningkatkan teknologi to improve information technology, Bank Victoria ensures the
informasi, Bank Victoria dapat memastikan bahwa ketersediaan availability of the best products and services for customers
produk dan layanan yang terbaik untuk nasabah sekaligus tetap while maintaining customer security and comfort in banking
menjaga keamanan dan kenyamanan nasabah bertransaksi transactions. Investment in information technology is one of
perbankan. Investasi dalam teknologi informasi menjadi salah Bank Victoria’s main priorities to ensure that its information
satu prioritas utama Bank Victoria untuk memastikan bahwa technology is always ready to face the ever-growing market
teknologi informasi yang dimiliki selalu siap menghadapi demands, while ensuring that customer data and transactions are
tuntutan pasar yang terus berkembang, sambil memastikan well protected. In this way, Bank Victoria can remain competitive
bahwa data dan transaksi nasabah tetap terlindungi dengan and responsive to changes in the dynamic business environment.
baik. Dengan demikian, Bank Victoria dapat tetap kompetitif dan
responsif terhadap perubahan lingkungan bisnis yang dinamis.
Peranan Direksi dalam Perumusan dan Board of Directors’ Role in Formulation and
Implementasi Strategi Keberlanjutan Implementation of Sustainability Strategy
Peranan Direksi dalam perumusan dan implementasi strategi The Board of Directors’ role in formulating and implementing
merupakan fondasi utama yang mengarahkan Bank Victoria untuk strategy is the main foundation that directs Bank Victoria to
mencapai target-target kinerja maupun visi jangka panjang. achieve performance targets and long-term vision. The Board
Direksi bertanggung jawab atas pembuatan keputusan strategis of Directors is responsible for making fundamental strategic
yang mendasar, termasuk penetapan tujuan jangka panjang, decisions, including setting long-term goals, taking controlled
pengambilan risiko yang terkontrol, dan pengembangan inisiatif- risks, and developing initiatives in order to achieve Bank
inisiatif dalam rangka mencapai visi dan misi Bank Victoria. Victoria’s vision and mission. Furthermore, the Board of Directors
Selain itu, Direksi juga berperan dalam memastikan bahwa also plays a role in ensuring that the strategies formulated are in
strategi yang dirumuskan sesuai dengan nilai-nilai perusahaan line with the Company’s values and considering external factors
dan memperhatikan faktor-faktor eksternal yang memengaruhi that influence business performance. Apart from formulating
kinerja bisnis. Selain perumusan strategi, Direksi juga memiliki strategy, the Board of Directors also has a large responsibility in
tanggung jawab yang besar dalam implementasi strategi. Direksi implementing strategy. The Board of Directors always ensures
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senantiasa memastikan bahwa rencana strategis dijalankan that strategic plans are implemented effectively and efficiently in
dengan efektif dan efisien di seluruh unit bisnis Bank Victoria. Hal all Bank Victoria business units. This involves careful monitoring
ini melibatkan pengawasan yang cermat terhadap pelaksanaan of plan implementation, appropriate allocation of resources, and
rencana, alokasi sumber daya yang tepat, dan evaluasi terus- continuous evaluation of performance to ensure the achievement
menerus terhadap kinerja untuk memastikan pencapaian tujuan of the predetermined objectives.
yang telah ditetapkan.
Peranan Direksi tidak hanya berfokus pada tahap perumusan The role of the Board of Directors does not only focus on strategy
dan implementasi strategi. Direksi juga senantiasa memastikan formulation and implementation phase. The Board of Directors
adanya mekanisme pengukuran kinerja yang jelas dan also always ensures that there is a clear and transparent
transparan, serta melakukan koreksi dan penyesuaian strategis performance measurement mechanism, and makes strategic
jika diperlukan untuk menghadapi perubahan kondisi pasar corrections and adjustments, if necessary, to face changes in
dan lingkungan bisnis yang dinamis. Direksi bertanggung jawab market conditions and dynamic business environment. The Board
untuk menetapkan indikator kinerja yang terukur dan dapat of Directors is in charge of establishing performance indicators
dinilai secara objektif, sehingga memungkinkan evaluasi yang that are measurable and can be assessed objectively, thereby
komprehensif terhadap pencapaian tujuan strategis Bank enabling a comprehensive evaluation of the achievement of Bank
Victoria. Selain itu, Direksi juga memiliki tanggung jawab untuk Victoria’s strategic objectives. In addition, the Board of Directors
melakukan koreksi dan penyesuaian strategis jika diperlukan, is also in charge of making strategic corrections and adjustments,
agar Bank Victoria dapat tetap responsif terhadap perubahan if necessary, so as Bank Victoria can remain responsive to changes
kondisi pasar dan lingkungan bisnis yang dinamis. in market conditions and dynamic business environment.
Pencapaian Target dan Kinerja Target Achievement and Sustainability
Keberlanjutan Bank Victoria Performance of Bank Victoria
Efektivitas implementasi strategi keberlanjutan yang dijalankan The effectiveness of sustainability strategy implemented by
Direksi memungkinkan Bank Victoria mampu memperoleh the Board of Directors has enabled Bank Victoria to achieve
pencapaian yang mengesankan dalam berbagai aspek, impressive achievements in various aspects, thereby confirming
sehingga menegaskan posisi sebagai lembaga keuangan yang its position as a well-performing and sustainable financial
berkinerja baik dan berkelanjutan. Pencapaian target dan kinerja institution. Bank Victoria’s target achievement of sustainability
keberlanjutan Bank Victoria tercermin dalam berbagai indikator performance are reflected in various healthy growth indicators,
yang menunjukkan pertumbuhan yang sehat, kepatuhan terhadap compliance with regulations, and positive contributions to the
regulasi, serta kontribusi positif terhadap masyarakat dan community and environment. In terms of growth, Bank Victoria’s
lingkungan. Dalam hal pertumbuhan, kinerja penghimpunan Bank collection performance also shows a positive trend, with stable
Victoria juga menunjukkan tren positif, dengan pertumbuhan yang and sustainable growth in line with effective fund collection
stabil dan berkelanjutan seiring dengan strategi penghimpunan strategy and maintained customer trust. In 2023, the total
dana yang efektif dan kepercayaan nasabah yang terjaga. deposits were recorded at Rp22.43 trillion, an increase of 15.78%
Pada tahun 2023, total simpanan tercatat sebesar Rp22,43 compared to Rp19.37 trillion in 2022. Furthermore, Bank Victoria
triliun, meningkat sebesar 15,78% dibandingkan tahun 2022 also managed to achieve healthy and sustainable lending target,
sebesar Rp19,37 triliun. Selain itu, Bank Victoria juga berhasil with credit growth balanced by an increase in the quality of credit
mencapai target penyaluran dana yang sehat dan berkelanjutan, portfolio. Throughout 2023, Bank Victoria disbursed total loans
dengan pertumbuhan kredit yang diimbangi oleh peningkatan of Rp18.63 trillion, an increase of 17.72% compared to Rp15.82
kualitas portofolio kredit. Sepanjang tahun 2023, Bank Victoria trillion in 2022.
menyalurkan total kredit sebesar Rp18,63 triliun, meningkat
sebesar 17,72% dibandingkan tahun 2022 sebesar Rp15,82 triliun.
Bank Victoria juga mencatat pertumbuhan yang positif pada Bank Victoria also recorded positive growth in total assets of
total aset sebesar 14,24%, liabilitas sebesar 16,05%, dan ekuitas 14.24%, liabilities of 16.05%, and equity of 3.36%, reflecting
sebesar 3,36%, mencerminkan stabilitas dan pertumbuhan stability and balanced growth in the Bank’s operations. Bank
yang seimbang dalam operasional bank. Pendapatan bunga Victoria’s interest income also showed a positive increase,
juga menunjukkan peningkatan yang positif, mencerminkan reflecting the effectiveness of the Bank’s business development
efektivitas strategi pengembangan bisnis dan diversifikasi produk and product diversification strategies. Nevertheless, the increase
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yang dilakukan Bank. Meskipun demikian, peningkatan suku in interest rates affected the increasing interest expense,
bunga berpengaruh pada peningkatan beban bunga sehingga suppressing the net income. Despite facing such challenges,
menekan capaian laba bersih. Meski menghadapi tantangan ini, Bank Victoria continues to provide a strong commitment to
Bank Victoria tetap memberikan komitmen yang kuat terhadap sustainability and quality performance, by continuing to optimize
keberlanjutan dan kinerja yang berkualitas, dengan terus business strategies and manage risks effectively.
mengoptimalkan strategi bisnis dan pengelolaan risiko secara
efektif.
Komitmen Bank Victoria akan Penerapan Bank Victoria’s Commitment to
Keuangan Berkelanjutan Implementing Sustainable Finance
Sejalan dengan itu, penerapan keuangan berkelanjutan dalam In line with the matters, the implementation of sustainable
lingkup bisnis Bank Victoria juga terus dikembangkan sesuai finance within Bank Victoria’s business scope also continues to
dengan roadmap dalam Rencana Aksi Keuangan Berkelanjutan be developed in accordance with the roadmap in the Sustainable
(RAKB) 2023-2027. Pada tahun 2023, fokus dari aksi keuangan Finance Action Plan (RAKB) for 2023-2027. In 2023, the
berkelanjutan Bank Victoria, meliputi penguatan kapasitas internal focus of Bank Victoria’s sustainable finance actions included
Bank Victoria, penyesuaian peraturan internal, pengembangan strengthening Bank Victoria’s internal capacity, adjusting
bisnis yang mendukung prinsip keuangan berkelanjutan, serta internal regulations, developing businesses that supported
pemberian dukungan yang komprehensif pada inisiatif keuangan sustainable finance principles, and providing comprehensive
berkelanjutan. Terkait dengan hal ini, Bank Victoria telah support for sustainable finance initiatives. In this regard, Bank
menyalurkan produk pembiayaan kepada debitur yang sesuai Victoria distributed financing products to debtors that complied
dengan kriteria kegiatan usaha berkelanjutan, sejalan dengan with the criteria for sustainable business activities, in line with the
tujuan Pembangunan Berkelanjutan (SDGs). Langkah-langkah ini Sustainable Development Goals (SDGs). These steps demonstrate
menunjukkan keseriusan Bank Victoria dalam mendukung praktik Bank Victoria’s seriousness in supporting environmentally and
keuangan yang ramah lingkungan dan sosial, serta mendukung socially friendly financial practices and supporting the overall
visi dan misi pembangunan berkelanjutan secara menyeluruh. vision and mission of sustainable development.
Dengan RAKB sebagai landasan strategis, Bank Victoria bertekad With RAKB as a strategic basis, Bank Victoria is determined to
untuk terus meningkatkan kinerja keuangan yang berkelanjutan continue to improve sustainable financial performance and
serta memperluas dampak positif terhadap lingkungan dan expand positive impacts on environment and community.
masyarakat. Evaluasi dan pemantauan terus-menerus dilakukan Continuous evaluation and monitoring are carried out to ensure
untuk memastikan bahwa implementasi RAKB berjalan sesuai that the RAKB implementation is in accordance with the plan and
dengan rencana dan memberikan kontribusi terhadap pencapaian contributes to achieving the sustainable financial goals. Bank
tujuan keuangan berkelanjutan. Bank Victoria juga berkomitmen Victoria is also committed to continuing to innovate in financial
untuk terus berinovasi dalam produk dan layanan keuangan yang products and services that support sustainable practices, so
mendukung praktik berkelanjutan, sehingga dapat memberikan that they can provide sustainable added value for customers,
nilai tambah yang berkelanjutan bagi nasabah, pemangku stakeholders, and the community at large.
kepentingan, dan komunitas secara luas.
Penerapan Tata Kelola Perusahaan yang Baik Implementation of Good Corporate
Governance
Penerapan GCG merupakan suatu komitmen yang tak terpisahkan GCG implementation is an inseparable commitment of Bank
dari Bank Victoria. Bank Victoria percaya bahwa GCG bukan hanya Victoria. Bank Victoria believes that GCG is not only a legal
sekadar kewajiban hukum, tetapi juga fondasi yang kokoh untuk obligation, but also a solid basis for establishing long-term
menciptakan nilai jangka panjang bagi Bank Victoria dan seluruh value for Bank Victoria and all stakeholders. By comprehensively
pemangku kepentingan. Dengan mengintegrasikan prinsip-prinsip integrating GCG principles, Bank Victoria ensures that all
GCG secara komprehensif, Bank Victoria memastikan bahwa business and operational lines always prioritize ethical behavior,
semua lini bisnis dan operasional senantiasa mengedepankan accountability, transparency, and sustainability. The GCG
perilaku beretika, akuntabilitas, transparansi, dan keberlanjutan. principles implemented by Bank Victoria are also supported
Prinsip-prinsip GCG yang diterapkan oleh Bank Victoria tersebut by the presence of governance organs, such as the Board of
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juga didukung oleh keberadaan organ tata kelola, seperti Commissioners, Board of Directors, and committees, that comply
Dewan Komisaris, Direksi, dan komite-komite yang sesuai with regulations and best practices in banking industry and have
dengan regulasi dan praktik terbaik industri perbankan serta the best and relevant competencies in their respective fields.
memiliki kompetensi yang terbaik dan relevan pada bidangnya
masing-masing.
Komitmen yang kuat dari Bank Victoria terhadap penerapan GCG Bank Victoria’s strong commitment to GCG implementation is
juga diimbangi dengan evaluasi rutin dalam rangka meningkatkan also balanced with routine evaluations in order to continuously
kualitas penerapan GCG secara berkesinambungan. Setiap improve the quality of GCG implementation. Every year, Bank
tahun, Bank Victoria melaksanakan self-assessment GCG untuk Victoria carries out GCG self-assessment to assess the extent to
menilai sejauh mana implementasi GCG sesuai dengan standar which GCG implementation is in accordance with standards and
dan praktik terbaik di industri perbankan. Hasil evaluasi tersebut best practices in banking industry. The evaluation results become
menjadi dasar untuk mengidentifikasi potensi kesenjangan the basis for identifying potential gaps in GCG implementation
dalam Penerapan GCG dan mengambil langkah perbaikan yang and taking necessary corrective steps. Based on the results of the
diperlukan. Berdasarkan hasil self assessment yg dilakukan, Bank self-assessment carried out, Bank Victoria continues to focus on
Victoria terus berfokus pada peningkatan governance structure, improving the governance structure, governance process, and
governance process, dan governance outcome pada 11 aspek governance outcomes in 11 aspects of GCG Assessment, which
Penilaian GCG, yang saat ini mulai dikembangkan menjadi 16 are currently being developed into 16 assessment aspects, based
aspek penilaian, berdasarkan Peraturan Otoritas Jasa Keuangan on the latest Financial Services Authority Regulation on GCG,
GCG terbaru, yaitu Peraturan Otoritas Jasa Keuangan No. 17 which is the Financial Services Authority Regulation No. 17 of
Tahun 2023. Hal ini meliputi pembentukan komite-komite 2023. This includes the establishment of committees in charge
yang bertugas mengawasi berbagai aspek GCG, pelatihan dan of overseeing various GCG aspects, continuous training and
pengembangan kompetensi berkesinambungan kepada anggota competency development for members of Board of Directors and
Direksi dan karyawan. employees.
Bank Victoria juga terus mengembangkan sistem pengendalian Bank Victoria also continues to develop internal control and
internal dan manajemen risiko sebagai bagian integral dari risk management systems as integral parts of GCG practices.
praktik GCG. Hal ini mencakup implementasi prosedur dan This includes implementing clear procedures and policies,
kebijakan yang jelas, pemantauan terhadap kepatuhan terhadap monitoring regulatory compliance, identifying and mitigating
regulasi, identifikasi dan mitigasi risiko secara proaktif, serta risk proactively, and transparent reporting to stakeholders. With
pelaporan yang transparan kepada pemangku kepentingan. strong commitments and continuous efforts to improve GCG,
Dengan komitmen yang kuat dan upaya berkelanjutan Bank Victoria ensures that it protects all stakeholders’ interests
dalam meningkatkan GCG, Bank Victoria memastikan bahwa properly and provides sustainable added value.
kepentingan seluruh pemangku kepentingan terjaga dengan baik
dan memberikan nilai tambah yang berkelanjutan.
Prospek Usaha Keberlanjutan Tahun 2024 Sustainability Business Outlook for 2024
Prospek usaha tahun 2024 menghadirkan sejumlah tantangan Business outlook for 2024 presents a number of complex and
yang kompleks dan dinamis, terutama di tengah dinamika global dynamic challenges, particularly amidst the ongoing global
yang masih berlanjut. Perekonomian global diprediksi akan uncertainty. The global economy is predicted to remain shadowed
tetap dibayangi berbagai risiko, seperti pelambatan ekonomi by various risks, such as slowdown in Chinese economy, unstable
Tiongkok, fluktuasi harga komoditas yang komoditas yang tinggi, fluctuations in commodity prices, and geopolitical tensions in
dan ketegangan geopolitik di beberapa wilayah dunia. Meskipun several regions of the world. Nonetheless, the global economic
demikian, terdapat proyeksi pertumbuhan ekonomi global is projected to grow by 2.8% in 2024, indicating that there are
sebesar 2,8% pada tahun 2024, menunjukkan adanya upaya recovery efforts despite the challenging conditions. On the other
pemulihan meskipun dalam kondisi yang penuh tantangan. hand, the Indonesian economy is predicted to grow in the range
Di sisi lain, perekonomian Indonesia diprediksi akan tumbuh of 4.7%-5.5% in 2024. This is supported by a number of positive
dalam kisaran 4,7%-5,5% pada tahun 2024. Hal ini didukung factors, such as increased private consumption, ongoing fiscal
oleh sejumlah faktor positif, seperti meningkatnya konsumsi and monetary policy support, and increasing role of younger
swasta yang terjaga, dukungan kebijakan fiskal dan moneter yang generation in supporting the economic growth. This projection
terus dilakukan, serta peran yang semakin besar dari generasi shows that despite facing global pressures, the Indonesian
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muda dalam mendukung pertumbuhan ekonomi. Proyeksi ini economy has the potential to continuously improve and positively
menunjukkan bahwa meskipun menghadapi tekanan global, contribute to the regional growth.
perekonomian Indonesia memiliki potensi untuk terus membaik
dan berkontribusi positif terhadap pertumbuhan regional.
Dari sisi industri keuangan, pelonggaran kebijakan makroprudensial From the financial industry side, the loosening of implemented
yang diterapkan diproyeksikan dapat memberikan dorongan macroprudential policy is projected to trigger healthy loan
terhadap pertumbuhan kredit yang sehat, menjaga stabilitas growth, maintain financial system stability, and expand
sistem keuangan, dan memperluas inklusi ekonomi. Langkah- economic inclusion. These steps are expected to produce a
langkah ini diharapkan dapat menghasilkan lingkungan yang more conducive environment for financial institutions to provide
lebih kondusif bagi lembaga keuangan untuk memberikan optimal financing to various economic sectors, while maintaining
pembiayaan yang optimal kepada berbagai sektor ekonomi, balance and mitigating risks in the financial system as a whole.
sambil tetap menjaga keseimbangan dan mitigasi risiko dalam Furthermore, the policy loosening is also expected to expand
sistem keuangan secara keseluruhan. Selain itu, pelonggaran financial access for previously underserved communities, thereby
kebijakan juga diharapkan dapat memperluas akses keuangan increasing financial inclusion and positively encouraging inclusive
bagi masyarakat yang sebelumnya kurang terlayani, sehingga and sustainable economic growth.
meningkatkan inklusi keuangan dan memberikan dorongan positif
bagi pertumbuhan ekonomi yang inklusif dan berkelanjutan.
Bank Victoria menyambut baik proyeksi positif perekonomian Bank Victoria welcomes the positive projections for the
Indonesia dan industri keuangan. Sebagaimana yang tertuang Indonesian economy and financial industry. As stated in the
dalam Rencana Bisnis Bank untuk tahun 2024, Bank Victoria Bank’s Business Plan for 2024, Bank Victoria will continue to
akan terus berupaya untuk memanfaatkan peluang digitalisasi strive to take advantage of the increasingly rapid digitalization
yang semakin pesat untuk meningkatkan efisiensi operasional, opportunities to increase operational efficiency, expand
memperluas jangkauan layanan, dan memberikan pengalaman services’ range, and provide better customer experience through
nasabah yang lebih baik melalui inovasi di bidang internet innovation in internet banking, mobile banking, and other
banking, mobile banking, dan layanan keuangan digital lainnya. digital financial services. Moreover, focusing on loan quality
Selain itu, fokus pada kualitas kredit dan pengembangan produk- and developing products that suit customer needs will also
produk yang sesuai dengan kebutuhan nasabah juga akan be important strategies for Bank Victoria in encountering the
menjadi strategi penting bagi Bank Victoria dalam menghadapi dynamic financial industry projections. Bank Victoria is targeting
proyeksi industri keuangan yang dinamis tersebut. Bank Victoria loan growth for 2024 at a realistic figure, in line with the national
menargetkan pertumbuhan kredit untuk tahun 2024 pada angka economic growth estimates. Therefore, Bank Victoria will
yang realistis, yang sejalan dengan perkiraan pertumbuhan constantly carry out comprehensive assessment according to
ekonomi nasional. Oleh karena itu, Bank Victoria akan senantiasa the applicable regulations and apply prudential principles to all
melakukan penilaian menyeluruh sesuai dengan ketentuan yang debtors and potential debtors in order to achieve a healthy and
berlaku dan menerapkan prinsip kehati-hatian kepada seluruh sustainable growth.
debitur serta calon debitur dalam rangka mencapai pertumbuhan
yang sehat dan berkelanjutan.
Perubahan Komposisi Anggota Direksi Changes in the Board of Directors’
Composition
Sepanjang tahun 2023, tidak terdapat perubahan terkait Throughout 2023, there were no changes to the composition of
komposisi anggota Direksi Bank Victoria. Komposisi Direksi yang the Board of Directors of Bank Victoria. The current composition
menjabat saat ini meliputi: of the Board of Directors includes:
Direktur Utama : Achmad Friscantono President Director : Achmad Friscantono
Wakil Direktur Utama : Rusli Deputy President Director : Rusli
Direktur Bisnis : Lembing Director of Business : Lembing
Direktur Keuangan : Debora Wahjutirto Tanoyo Director of Finance : Debora Wahjutirto Tanoyo
Direktur Kepatuhan : Tamunan Director of Compliance : Tamunan
dan Manajemen Risiko and Risk Management
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Laporan Manajemen
Management Report
Penutup Closing
Menutup penyampaian laporan ini, kami ingin menyampaikan Concluding the submission of this report, we would like to express
ungkapan terima kasih dan apresiasi kepada Dewan Komisaris our gratitude and appreciation to the Board of Commissioners
atas dukungan, arahan, dan pengawasan yang diberikan for the support, direction, and supervision provided throughout
sepanjang tahun buku telah menjadi landasan kuat dalam the fiscal year, which has provided a strong foundation in
menjalankan strategi yang efektif dan memastikan keberlanjutan implementing effective strategies and ensuring the continuation
kinerja yang baik di Bank Victoria. Selanjutnya, kami juga ingin of good performance at Bank Victoria. Furthermore, we would also
mengungkapkan apresiasi dan terima kasih kepada seluruh like to express our appreciation and gratitude to all employees
karyawan atas dedikasi, kerja keras, dan komitmen yang diberikan for their dedication, hard work, and commitment that have
telah menjadi pilar utama kesuksesan Bank Victoria. Kerja sama become the main pillars of Bank Victoria’s success. Teamwork
tim dan semangat untuk memberikan yang terbaik bagi nasabah and passion to provide the best for customers are matters that
adalah hal yang sangat dihargai dan diakui. Tidak lupa, kami juga are highly appreciated and recognized. Also, we would like to
menyampaikan terima kasih kepada Pemegang Saham, nasabah, express our gratitude to the Shareholders, customers, regulators
regulator, dan pemangku kepentingan lainnya. Kepercayaan dan and other stakeholders. Trust and support from all stakeholders
dukungan dari seluruh pemangku kepentingan menjadi motivasi are motivation and positive energy for us to continue to innovate,
dan energi positif bagi kami untuk terus berinovasi, meningkatkan improve services, and provide even better added value. With
layanan, dan memberikan nilai tambah yang lebih baik lagi. strong cooperation and shared commitment, we are confident
Dengan kerja sama yang kuat dan komitmen bersama, kami yakin that Bank Victoria will continue to develop and make positive
Bank Victoria akan terus berkembang dan memberikan kontribusi contributions to all stakeholders.
positif bagi semua pemangku kepentingan.
Jakarta, April 2024
Atas nama Direksi PT Bank Victoria International Tbk
On behalf of the Board of Directors of PT Bank Victoria International Tbk
Achmad Friscantono
Direktur Utama
President Director
48 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Page 51
Direksi
Board of Directors
3 5 1 4 2
1. Achmad Friscantono 3. Lembing 5. Tamunan
Direktur Utama Direktur Bisnis Direktur Kepatuhan dan
President Director Director of Business Manajemen Risiko
Director of Compliance and Risk
Management
2. Rusli 4. Debora Wahjutirto Tanoyo
Wakil Direktur Utama Direktur Keuangan
Deputy President Director Director of Finance
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 49
Page 52
Tanggung Jawab Laporan Tahunan
dan Keberlanjutan
Annual and Sustainability Report Responsibility
Surat Pernyataan Anggota Dewan Komisaris tentang Tanggung Jawab
atas Laporan Tahunan dan Keberlanjutan 2023 PT Bank Victoria International Tbk
Statement of Members of the Board of Commissioners on the Responsibility
for the 2023 Annual and Sustainability Report of PT Bank Victoria International Tbk
Kami, yang bertanda tangan di bawah ini, menyatakan bahwa We, the undersigned, hereby declare that all information
semua informasi dalam Laporan Tahunan dan Keberlanjutan in the Annual and Sustainability Report of PT Bank Victoria
PT Bank Victoria International Tbk tahun 2023 telah dimuat International Tbk for year 2023 has been fully contained and we
secara lengkap dan bertanggung jawab penuh atas kebenaran isi shall be fully responsible to the correctness of contents in the
Laporan Tahunan dan Keberlanjutan Bank. Annual and Sustainability Report of the Bank.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is hereby made in all truthfulness.
Jakarta, 17 April 2024
Dewan Komisaris
Board of Commissioners
Zaenal Abidin Ph.D
Komisaris Utama Independen
Independent President Commissioner
Gunawan Tenggarahardja Sia Leng Ho
Komisaris/Komisaris Independen Komisaris
Commissioner/Independent Commissioner Commissioner
50 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Page 53
Surat Pernyataan Anggota Direksi tentang Tanggung Jawab
atas Laporan Tahunan dan Keberlanjutan 2023 PT Bank Victoria International Tbk
Statement of Members of the Board of Directors on the Responsibility
for the 2023 Annual and Sustainability Report of PT Bank Victoria International Tbk
Kami, yang bertanda tangan di bawah ini, menyatakan bahwa We, the undersigned, hereby declare that all information
semua informasi dalam Laporan Tahunan dan Keberlanjutan in the Annual and Sustainability Report of PT Bank Victoria
PT Bank Victoria International Tbk tahun 2023 telah dimuat International Tbk for year 2023 has been fully contained and we
secara lengkap dan bertanggung jawab penuh atas kebenaran isi shall be fully responsible to the correctness of contents in the
Laporan Tahunan dan Keberlanjutan Bank. Annual and Sustainability Report of the Bank.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is hereby made in all truthfulness.
Jakarta, 17 April 2024
Direksi
Board of Directors
Achmad Friscantono Rusli
Direktur Utama Wakil Direktur Utama
President Director Deputy President Director
Lembing Debora Wahjutirto Tanoyo Tamunan
Direktur Bisnis Direktur Keuangan Direktur Kepatuhan dan
Director of Business Director of Finance Manajemen Risiko
Director of Compliance and
Risk Management
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 51
Page 54
PROFIL
PERUSAHAAN
Company Profile
52 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Page 55
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 53
Page 56
Profil Perusahaan
Company Profile
Identitas Perusahaan
Company Identity
PT Bank Victoria International Tbk
Nama Perusahaan
Company Name
Alamat
Address
Gedung Graha BIP Lt. 10
Jl. Gatot Subroto Kav. 23
Jakarta Selatan / South Jakarta 12930
T : (021) 5228 888
F : (021) 5228 777
E : corsec@victoriabank.co.id
W : www.victoriabank.co.id
Tanggal Pendirian Bidang Usaha
Date of Establishment Line of Business
28 Oktober 1992 Bank Umum
28 October 1992 Commercial Bank
Tanggal Pencatatan Saham di Bursa
Kode Saham
Efek Indonesia
Share Code
Share Listing Date in Indonesia Stock
BVIC
Exchange
30 Juni 1999
30 June 1999
Dasar Hukum Didirikan dengan nama PT Bank Victoria pada tanggal 28 Oktober 1992 berdasarkan Akta Notaris
Pendirian Amrul Partomuan Pohan, SH, LLM No. 71 yang selanjutnya diadakan pembetulan dengan Akta
Legal Basis of No. 30 tanggal 8 Juni 1993 dari notaris yang sama.
Establishment Incorporated under the name PT Bank Victoria on 28 October 1992 based on the Notary Deed
No. 71 by Amrul Partomuan Pohan, SH, LLM, which was subsequently amended by Deed
No. 30 dated 8 June 1993 of the same notary.
Modal Dasar Modal Ditempatkan dan Disetor Penuh
Authorized Capital Subscribed and FullyPaid-Up Capital
Rp
4,100,000,000,000 Rp
1,584,823,577,800
54 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Page 57
19.35%
44.24%
Kepemilikan Saham
Share Ownership
PT Victoria Investama Tbk : 44.24%
Masyarakat / Public <5% : 36.41%
Suzanna Tanojo : 19.35%
36.41%
Media Sosial @bankvictoria BankVictoriaID
Social Media
Bank Victoria PT Bank Victoria International Tbk
Perubahan Organisasi yang Bersifat Signifikan
Significant Changes in Organization
Sepanjang tahun 2023, tidak terdapat perubahan signifikan Throughout 2023, there were no significant changes that
yang terjadi pada Bank Victoria, baik terkait penutupan atau occurred at Bank Victoria, either related to closing or opening
pembukaan cabang baru, pembukaan atau penutupan unit usaha new branch, opening or closing new business unit, or business
baru, maupun penggabungan usaha. merger.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 55
Page 58
Profil Perusahaan
Company Profile
Riwayat Singkat
Brief History
1992 2011
Didirikan di Jakarta dengan nama PT Bank Victoria pada tanggal Melakukan PUT V sejumlah 1.954.919.259 lembar saham
28 Oktober 1992. dengan nilai nominal dan harga yang ditawarkan sebesar
Incorporated in Jakarta under the name PT Bank Victoria on Rp100,- per saham dan sejumlah 1.448.939.990 Waran Seri VI
28 October 1992. pada 4 Juli 2011.
Conducted LPO V of 1,954,919,259 shares with both nominal
value and offering price of Rp100 per share and 1,448,939,990
Series VI Warrants on 4 July 2011.
1994
Memulai operasi sebagai Bank Umum secara komersial
berdasarkan izin dari Menteri Keuangan Republik Indonesia pada
tanggal 5 Oktober 1994. 2010
Started its operations as a Commercial Bank based on the Melakukan perubahan nama Entitas Anak Bank Victoria dari
license from the Finance Minister of the Republic of Indonesia PT Bank Swaguna menjadi PT Bank Victoria Syariah pada tanggal
dated 5 October 1994. 19 Januari 2010.
Changed the name of Bank Victoria’s Subsidiary from
PT Bank Swaguna to PT Bank Victoria Syariah on 19 January 2010.
1997
Memperoleh izin dari Bank Indonesia untuk beroperasi sebagai
Pedagang Valuta Asing pada tanggal 25 Mei 1997. 2008
Obtained Foreign Exchange License from Bank Indonesia to Melakukan PUT IV sejumlah 1.167.498.560 lembar saham
operate as a Foreign Exchange Trader on 25 May 1997. dengan nilai nominal dan harga yang ditawarkan sebesar
Rp100,- per saham dan sejumlah 630.449.220 Waran Seri V pada
tanggal 11 Juli 2008.
Conducted LPO IV of 1,167,498,560 shares with both nominal
1999 value and offering price of Rp100 per share and 630,449,220
Menjadi perusahaan publik dengan melakukan Penawaran Series V Warrants on 11 July 2008.
Umum Perdana Saham sejumlah 250.000.000 lembar saham
dengan nilai nominal Rp100,- per saham dan sejumlah
80.000.000 Waran Seri I efektif pada tanggal 4 Juni 1999.
Became a publicly listed company by conducting an Iinitial Public
2007
Offering of 250,000,000 shares with a nominal value of Rp100 Mengakuisisi PT Bank Swaguna sebagai Entitas Anak.
per share and 80,000,000 Series I Warrants effectively on 4 June Acquired PT Bank Swaguna as a Subsidiary.
1999.
2006
2000 Melakukan PUT III sejumlah 670.363.760 lembar saham dengan
Melakukan penawaran umum terbatas (PUT) I sejumlah nilai nominal Rp100,- per saham dengan harga yang ditawarkan
614.000.000 lembar saham dengan nilai nominal sebesar sebesar Rp115,- per saham dan sejumlah 469.277.676 Waran
Rp100,- per saham dengan harga yang ditawarkan sebesar Seri IV pada tanggal 13 Juli 2006.
Rp115,- per saham dan sejumlah 85.960.000 Waran Seri II pada Conducted LPO III of 670,363,760 shares with a nominal value
tanggal 28 September 2000. of Rp100 per share and offering price of Rp115 per share and
Conducted a limited public offering (LPO) I of 614,000,000 469,277,676 Series IV Warrants on 13 July 2006.
shares with a nominal value of Rp100 per share and offering
price of Rp115 per share and 85,960,000 Series II Warrants on
28 September 2000.
2003
Melakukan PUT II sejumlah 705.243.360 lembar saham dengan
nilai nominal dan harga yang ditawarkan sebesar Rp100,- per
saham dan sejumlah 423.146.016 Waran Seri III pada tanggal
20 Maret 2003.
Conducted LPO II of 705,243,360 shares with both nominal
value and offering price of Rp100 per share and 423,146,016
Series III Warrants on 20 March 2003.
56 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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2016
• Memperoleh izin operasional sebagai Bank Devisa berdasarkan 2023
Surat Kepala Departemen Perizinan dan Informasi Perbankan
Otoritas Jasa Keuangan No. S-423/PB.12/2016 pada tanggal • Melakukan Penambahan Saham Hasil
13 Desember 2016. Exercise Waran Seri VII PT Bank Victoria
• Memberikan layanan transaksi dalam valuta asing yang lnternational Tbk sejumlah 1.064 Waran.
meliputi transaksi pengiriman uang (remittance), perdagangan
• Melakukan Penawaran Umum Obligasi
international (trade finance), treasury, serta layanan interbank
lainnya setelah menjadi Bank Devisa. Berkelanjutan III Bank Victoria Tahap I
• Melakukan Penambahan Modal Tanpa Hak Memesan Efek Tahun 2023 sebesar Rp500.000.000.000,-.
Terlebih Dahulu (PMTHMETD) sebesar 9,00% oleh DEG
• Added Shares from Series VII Warrant
(Deutsche Investitions-Und Entwicklungsgesellschaft MbH).
Exercise of PT Bank Victoria International Tbk
• Obtained operational license as a Foreign Exchange Bank
based on the Letter of Banking Licensing and Information
of 1,064 Warrants.
Department Head of the Financial Services Authority • Conducted Public Offering of Bank Victoria
No. S-423/PB.12/2016 dated 13 December 2016. Continuous Bonds III Phase I of 2023
• Providing transaction services in foreign currencies which
include remittance transactions, international trade (trade
amounting to Rp500,000,000,000.
finance), treasury, and other interbank services after becoming
a Foreign Exchange Bank.
• Conducting Capital Addition Without Preemptive Rights
(PMTHMETD) of 9.00% by DEG (Deutsche Investitions-Und
Entwicklungsgesellschaft MbH).
2022
• Melaksanakan peresmian sebagai Bank Persepsi.
• Melakukan PMHMETD sejumlah 2.553.461.919 lembar saham.
2018 • Melakukan PMHMETD sejumlah 2.807.640.227 lembar saham.
• Bank Victoria melakukan divestasi sebanyak 80% saham milik
Memperluas jaringan kantor dengan membuka kantor
Bank di Bank Victoria Syariah kepada PT Victoria Investama Tbk.
cabang utama di Semarang, Jawa Tengah, dan di Makassar,
Sulawesi Selatan. • Carried out inauguration as Perception Bank.
• Conducted PMHMETD of 2,553,461,919 shares.
Expanding the office network by opening main branch offices in
• Conducted PMHMETD of 2,807,640,227 shares.
Semarang, Central Java, and in Makassar, South Sulawesi.
• Bank Victoria divested 80% of the Bank’s shares in Bank
Victoria Syariah to PT Victoria Investama Tbk.
2019
• Melakukan PMTHMETD sejumlah 280.898.877 lembar saham
oleh PT Victoria Investama Tbk dan PT Nata Patindo.
2021
• Memperluas jaringan kantor dengan membuka kantor cabang • PMTHMETD sejumlah 586.205.939 lembar saham oleh
utama di Solo, Jawa Tengah, dan Medan, Sumatera Utara. PT Victoria Investama Tbk, PT Victoria Insurance Tbk,
• Conducted PMTHMETD of 280,898,877 shares of PT Victoria PT Victoria Alife Indonesia, PT Prolestari Megapersada,
Investama Tbk and PT Nata Patindo. PT Regis Pratama Indonesia, dan PT Emperor Finance
• Expanded the office network by opening main branch offices in Indonesia.
Solo, Central Java, and in Medan, North Sumatra. • PMTHMETD sejumlah 948.979.590 lembar saham oleh
PT Victoria Investama Tbk, PT Victoria Alife Indonesia,
PT Victoria Insurance Tbk, PT Victoria Sekuritas Indonesia,
PT Regis Pratama Indonesia, PT Tridaya Investindo, PT Emperor
2020 Finance Indonesia, dan PT Bhuwanatala Indah Permai Tbk.
• PMTHMETD of 586,205,939 shares by PT Victoria Investama
Melakukan digitalisasi pelayanan perbankan serta
Tbk, PT Victoria Insurance Tbk, PT Victoria Alife Indonesia,
pengoptimalan Internet Banking Mobile Banking (IBMB) dan
PT Prolestari Megapersada, PT Regis Pratama Indonesia, and
Victoria Internet Banking Bisnis (ViBiz) yang mempermudah
PT Emperor Finance Indonesia.
nasabah melakukan transaksi.
• PMTHMETD of 948,979,590 shares by PT Victoria Investama
Digitized banking services and optimized Internet Banking Tbk, PT Victoria Alife Indonesia, PT Victoria Insurance Tbk,
Mobile Banking (IBMB) and Victoria Internet Banking Bisnis PT Victoria Sekuritas Indonesia, PT Regis Pratama Indonesia,
(ViBiz) to make transactions easier for customers. PT Tridaya Investindo, PT Emperor Finance Indonesia, and
PT Bhuwanatala Indah Permai Tbk.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 57
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Profil Perusahaan
Company Profile
Visi dan Misi Perusahaan
Company’s Vision and Mission
Pernyataan Persetujuan atas Visi dan Misi Perusahaan
Statement of Approval of the Company’s Vision and Mission
“Visi dan Misi Bank Victoria telah disetujui oleh Dewan Komisaris dan Direksi berdasarkan Keputusan Direksi No. 002/SK-DIR/10/19
tanggal 20 November 2023 tentang Visi dan Misi PT Bank Victoria International Tbk.”
“Bank Victoria’s Vision and Mission have been approved by the Board of Commissioners and Board of Directors based on the Board of
Directors’ Decision No. 002/SK-DIR/10/19 dated 20 November 2023 on the PT Bank Victoria International Tbk Vision and Mission.”
Visi
Vision
Menjadi Bank pilihan Nasabah yang
dipercaya, sehat, efisien, dan mendukung
pertumbuhan berkelanjutan.
To become the customers’ preferred
bank, which is trustworthy, sound and
efficient, and supports sustainable
growth.
Pilihan Nasabah Dipercaya Sehat dan Efisien
Customers’ Preferred Trustworthy Sound and Efficient
Bank Victoria dikenal, dipercaya, Bank Victoria berkomitmen menjadi Bank Victoria mempunyai struktur
serta menjadi pilihan nasabah untuk bank yang bisa memberikan rasa modal yang kuat, kondisi keuangan
memenuhi kebutuhan nasabah aman dan kepastian bagi para yang sehat, serta didukung oleh
dalam mendapatkan produk dan nasabah, karyawan, Pemegang operasional perbankan yang efisien.
layanan perbankan. Saham, dan stakeholders lainnya.
Bank Victoria has strong capital
Bank Victoria is recognized, trusted, Bank Victoria is committed to being structure, sound financial condition,
and preferred by customers to fulfill the bank that can provide security and is supported by efficient banking
their needs in obtaining banking and certainty to the customers, operation.
products and services. human capital, Shareholders, and
other stakeholders.
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Misi
Customers
Senantiasa berupaya memenuhi kebutuhan nasabah, membina
Mission hubungan yang baik dengan nasabah, serta memberi layanan
yang terbaik kepada para nasabah.
Always attempt to fulfill the customers’ needs, to develop
good relationship with the customers, and to provide the best
services for the customers.
People
Mengembangkan sumber daya manusia yang profesional,
berprinsip, dan berdedikasi untuk memberikan layanan serta
memenuhi kebutuhan nasabah.
Mengembangkan sumber daya manusia yang profesional,
berprinsip, dan berdedikasi untuk memberikan layanan serta
memenuhi kebutuhan nasabah.
Operations
Menjalankan operasional perbankan yang aman, cepat, dan
handal dengan tetap memperhatikan ketentuan yang berlaku.
Conduct safe, fast, and reliable banking operations with due
observance of the applicable regulations.
Governance, Risk, and Compliance
Mengimplementasikan proses manajemen risiko secara
prudent serta konsisten dengan memperhatikan prinsip-prinsip
kehatian-hatian, tata kelola Bank, dan keuangan berkelanjutan.
Implement a prudent and consistent risk management
processes with due observance of the principles of prudence,
bank governance, and sustainable finance.
Tinjauan Ulang Visi dan Misi oleh Dewan Komisaris
Mendukung Pertumbuhan dan Direksi
Berkelanjutan Visi dan Misi Bank secara berkala ditinjau dengan mempertimbangkan
perubahan kondisi lingkungan eksternal maupun internal. Hasil reviu Visi dan
Support Sustainable Misi Bank oleh Dewan Komisaris dan Direksi yang dilakukan di tahun 2023
Growth dinyatakan telah sesuai dengan perubahan kondisi lingkungan eksternal
maupun internal dan masih relevan di tahun 2023.
Bank Victoria senantiasa memperhatikan
pertumbuhan yang mengedepankan aspek
manusia (people), lingkungan (planet), dan Review of Vision and Mission by
nilai bagi pemangku kepentingan (profit). the Board of Commissioners and Board of Directors
Bank Victoria always pays attention to The Bank’s Vision and Mission are periodically reviewed by considering changes
growth that prioritize aspects of people, in external and internal environmental conditions. The review results of the
environment (planet), and value for
Bank’s Vision and Mission performed by the Board of Commissioners and Board
stakeholders (profit).
of Directors in 2023 were stated to be in accordance with changes in external
and internal environmental conditions and were still relevant in 2023.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 59
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Profil Perusahaan
Company Profile
Nilai Budaya Perusahaan
Corporate Cultural Values
S Q E W
SAFE EASY WARM
QUICK
Relasi yang Aman Mudah dalam Melayani dengan
dan Handal Solusi dan Inovasi Peduli, Ramah, dan
yang Cepat, Tepat, Transaksi dan
Safe and Reliable Kolaborasi Asertif
Relationships Terukur Serving with Care,
Fast, Precise, Easy Transaction
and Collaboration Friendly, and
Measurable Assertive
Solutions and
Innovation
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Kegiatan Usaha
Line of Business
Mengacu pada Anggaran Dasar Bank yang tertuang dalam Akta Referring to the Bank’s Articles of Association as stipulated in
No. 42 tanggal 19 Juni 2020 disebutkan bahwa maksud dan tujuan the Deed No. 42 dated 19 June 2020 the purposes and objectives
Bank Victoria yaitu menjalankan usaha sebagai bank umum sesuai of Bank Victoria are to run business as a commercial bank in
dengan ketentuan peraturan perundang-undangan yang berlaku. accordance with the provisions of applicable laws and regulations.
Sepanjang tahun 2023, Bank Victoria telah menjalankan kegiatan Throughout 2023, Bank Victoria carried out main and supporting
usaha utama dan penunjang yang diuraikan sebagai berikut: business activities, described as follows:
Kegiatan Usaha berdasarkan Anggaran Dasar yang Dijalankan pada Tahun 2023
Business Activities Run in 2023 based on Articles of Association
Kegiatan Usaha Utama / Main Business Activities
• Menghimpun dana dari masyarakat dalam bentuk simpanan giro, deposito • Collect funds from the society in the form of current accounts, time
berjangka, sertifikat deposito, tabungan, dan/atau bentuk lainnya yang deposits, certificates of deposit, savings, and/or other forms equivalent;
dipersamakan dengan itu;
• Memberikan kredit, baik kredit jangka menengah, panjang atau pendek, • Provide credits, whether medium-term, long-term, or short-term, and
maupun jenis lainnya yang lazim dalam dunia perbankan; other types prevalent in the banking world;
• Menerbitkan surat pengakuan utang; • Issue debt certificates;
• Membeli, menjual, atau menjamin atas risiko sendiri maupun untuk • Buy, sell, or guarantee on own risk and for the interest and upon the
kepentingan dan atas perintah nasabahnya: order of its customers:
• Surat-surat wesel, termasuk wesel yang diakseptasi oleh Bank yang • Money orders, including accredited money orders by the Bank in
masa berlakunya tidak lebih lama dari kebiasaan dalam perdagangan which the validity period is not longer than the custom of the trade
surat-menyurat tersebut; of such papers;
• Surat pengakuan utang dan kertas dagang lainnya yang masa • Debt certificates and other trade papers in which the validity period
berlakunya tidak lebih lama dari kebiasaan dalam perdagangan is not longer than the custom of the trade of such papers;
surat-surat tersebut;
• Kertas perbendaharaan negara dan surat jaminan pemerintah; • State treasury bills and government guarantee letter;
• Sertifikat Bank Indonesia; • Bank Indonesia Certificates;
• Obligasi; • Bonds;
• Surat promes yang dapat diperdagangkan dengan berjangka waktu • Short-term tradeable promissory notes with validity period of up to
sampai dengan 1 (satu) tahun; dan 1 (one) year; and
• Surat berharga lain yang berjangka waktu sampai dengan 1 (satu) • Other securities with validity period of up to 1 (one) year;
tahun;
• Memindahkan uang, baik untuk kepentingan sendiri maupun untuk • Transfer of money, both for own interest and for the customers’ interest;
kepentingan nasabah;
• Menempatkan dana pada, meminjam dana dari, atau meminjamkan dana • Place funds in, borrow funds from, or lend funds to other banks, either
kepada bank lain, baik dengan menggunakan surat, sarana telekomunikasi by mail, telecommunication means, or by sight draft, check, or other
maupun dengan wesel unjuk, cek, atau sarana lainnya; means;
• Menerima pembayaran dari tagihan atas surat berharga dan melakukan • Receive payments from claims on securities and perform calculations
perhitungan dengan atau antara pihak ketiga; with or between third parties;
• Melakukan penempatan dana dari nasabah kepada nasabah lainnya • Perform placement of funds from a customer to another customer in
dalam bentuk surat berharga yang tercatat di bursa efek; the form of securities listed in stock exchange;
• Melakukan kegiatan dalam valuta asing dengan memenuhi ketentuan • Perform activities in foreign currencies by meeting the provisions
yang ditetapkan oleh Bank Indonesia; dan stipulated by Bank Indonesia; and
• Menyediakan pembiayaan dan/atau melakukan kegiatan lain, termasuk • Provide financing and/or perform other activities including activities
kegiatan berdasarkan prinsip syariah sesuai dengan ketentuan yang based on sharia principles in accordance with the provisions stipulated
ditetapkan oleh Bank Indonesia. by Bank Indonesia.
Kegiatan Usaha Penunjang / Supporting Business Activities
• Melakukan kegiatan sebagai penyelenggara dana pensiun sesuai dengan • Conduct activities as the Pension Fund organizers in accordance
peraturan perundang-undangan yang berlaku, baik selaku pendiri dana with the applicable laws and regulations, either as the founder of the
pensiun pemberi kerja maupun selaku pendiri dan/atau peserta dana employer’s pension fund or as the founder and/or participant of the
pensiun lembaga keuangan; pension fund of a financial institution;
• Melakukan kegiatan penyertaan modal pada bank atau perusahaan • Conduct equity participation in a bank or other company in the field of
lain di bidang keuangan, sewa guna usaha, perusahaan modal ventura, finance, leasing companies, venture capital firms, securities companies,
perusahaan efek, perusahaan asuransi, lembaga kliring dan penjamin, insurance companies, clearing and guarantee institutions, as well as
serta lembaga penyimpanan dan penyelesaian dengan memenuhi depository and settlement institutions in compliance with the provisions
ketentuan yang ditetapkan oleh instansi yang berwenang; dan stipulated by the competent authorities; and
• Melakukan kegiatan penyertaan modal sementara untuk mengatasi • Conduct temporary equity participation to cope with NPL, including
kredit macet, termasuk kegagalan pembiayaan berdasarkan prinsip financing failure based on sharia principles subject to withdrawal
syariah dengan syarat harus menarik kembali pernyataannya sesuai of statements in accordance with the provisions stipulated by Bank
dengan ketentuan yang ditetapkan oleh Bank Indonesia. Indonesia.
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Profil Perusahaan
Company Profile
Produk Dan Jasa
Products and Servicess
Bank menyediakan beragam produk dan jasa sesuai dengan The Bank provides a variety of products and services according
kebutuhan dan profil masing-masing nasabah. Produk dan jasa to each respective customer’s needs and profile. Such products
tersebut meliputi produk simpanan, produk pinjaman, serta and services include savings products, loan products, and several
berbagai layanan yang diuraikan sebagai berikut: other services described as follows:
Produk Simpanan Produk Pinjaman
Savings Products Loan Products
Tabungan Kredit Produktif
Savings Productive Loans
• Tabungan Victoria • Corporate Lending
Victoria Savings Corporate Lending
• Tabungan VIP Safe • Commercial Lending
VIP Safe Savings Commercial Lending
• Tabungan Victoria Junior • Small Medium Enterprise Lending
Victoria Junior Savings Small Medium Enterprise Lending
• Tabungan Victoria Bisnis • Multi Finance Lending
Victoria Business Savings Multi Finance Lending
• TabunganKu • Bank Garansi
TabunganKu Bank Guarantee
• Tabungan Victoria Maxima • Surat Kredit Berdokumen Dalam Negeri (SKBDN)
Victoria Maxima Savings Domestic Letter of Credit (SKBDN)
• Tabungan Victoria EduSave
Victoria EduSave Savings Kredit Konsumtif
Consumptive Loans
Giro • Kredit Pemilikan Rumah
Demand Deposit Home Ownership Loan
• Giro Rupiah dan Giro Valas • Kredit Pemilikan Mobil
Rupiah Current Account and Foreign Current Account Car Ownership Loan
• VIP Giro Rupiah dan VIP Giro Valas • Kredit Multi Guna
VIP Rupiah Current Account and VIP Foreign Current Account Multi-Purpose Loan
• Kredit Implant Banking
Deposito Implant Banking Loan
Time Deposits
• Deposito Rupiah
Rupiah Time Deposits
• Deposito US Dollar
USD Time Deposits
Jasa Layanan Lainnya Layanan Bank Devisa
Other Services Foreign Exchange Bank Services
• Kliring/Inkaso • Transaksi Kiriman Uang
Clearing/Payment Remittance
• Transfer • Perdagangan Internasional
Transfer International Trade Finance
• Real Time Gross Settlement • Treasury dan Layanan Interbank Lainnya
Real Time Gross Settlement Treasury and Other Interbank Services
• Pembayaran Tagihan
Bill Payment Produk Investasi
• Kartu ATM Investment Products
ATM Card • SUN RITEL E-SBN
• Auto Save Retail Government Bonds E-SBN
Auto Save • Reksa Dana
• Auto Debet Mutual Funds
Auto Debit • Bancassurance
• Internet Banking dan Mobile Banking Victoria Bancassurance
Victoria Internet Banking and Mobile Banking
• BI-FAST
BI-FAST
• Layanan Penerimaan Negara
State Revenue Service
“Informasi lengkap terkait produk dan layanan Bank Victoria dapat di akses melalui situs web Bank yang
beralamat di www.victoriabank.co.id.”
“Complete information regarding Bank Victoria products and services can be accessed
through the Bank’s website at www.victoriabank.co.id.”
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2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 63
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Profil Perusahaan
Company Profile
Wilayah Operasional
Operational Areas
Medan
Jakarta
Kantor Pusat Bandung
1 Head Office
Semarang
Solo Surabaya
Kantor Cabang Utama
14 Main Branch Offices
Bali
Kantor Cabang Pembantu Bogor
24 Sub-Branch Offices
Jaringan kantor Bank Victoria yang terdiri dari kantor pusat, Bank Victoria’s office network consisting of head office, branch
kantor cabang, kantor cabang pembantu, serta jaringan kantor offices, sub-branch offices, and other office network, such as
lainnya, seperti kantor kas, payment point, dan kantor layanan cash offices, payment points, and cash service offices in the last
kas pada 3 tahun terakhir diuraikan sebagai berikut: 3 years is described as follows:
Jaringan Kantor
Office Network
Kantor 2023 2022 2021 Office
Kantor Pusat 1 1 1 Head Office
Kantor Cabang Utama 14 14 14 Main Branch Office
Kantor Cabang Pembantu 24 24 25 Sub-Branch Office
Jaringan Kantor Lain (Kantor Kas, Other Office Network (Cash Office,
- - -
Payment Point, dan Lainnya) Payment Point, and Others)
Total 39 39 40 Total
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Manado
Makasar
Jaringan Kantor per Wilayah Tahun 2023
Office Network by Region in 2023
Kantor Cabang
Kantor Cabang
Pembantu
Wilayah Utama Total Area
Sub-Branch
Main Branch Offices
Offices
Jakarta Timur - - - East Jakarta
Jakarta Selatan 2 5 7 South Jakarta
Jakarta Utara 1 4 5 North Jakarta
Jakarta Barat - 9 9 West Jakarta
Jakarta Pusat 2 4 6 Central Jakarta
Bekasi, Cibubur, dan sekitarnya - - - Bekasi, Cibubur, and the surrounding
Tangerang dan sekitarnya - 2 2 Tangerang and the surrounding
Cabang Luar Kota 9 - 9 Out-of-Town Branch
Total 14 24 38 Total
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 65
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Profil Perusahaan
Company Profile
Alamat Kantor Pusat, Kantor Cabang Utama, dan
Kantor Cabang Pembantu Bank Victoria
Address of Head Office, Main Branch Offices, and Sub-Branch Offices of
Bank Victoria
Kantor Pusat
Head Office
PT Bank Victoria International Tbk (021) 5228 888
Gedung Graha BIP Lt. 10 (021) 5228 777
Jl. Gatot Subroto Kav. 23 corsec@victoriabank.co.id
Jakarta Selatan 12930
www.victoriabank.co.id
Kantor Cabang Utama
Main Branch Offices
KCU BIP KCU Bali KCU Bandung KCU Bogor
Gedung Graha BIP Lt. Dasar Jl. Raya Imam Bonjol No. 117 Jl. Braga No. 16 Jl. Pakuan No. 8
Jl. Gatot Subroto Kav. 23 Dusun BR. Tenten Kel. Braga, Kec. Sumur Bandung Kel. Baranangsiang, Kec. Bogor Timur
Jakarta Selatan 12930 Bali 80114 Bandung, Jawa Barat 40111 Bogor, Jawa Barat 16143
T : (021) 5258 208 T : (0361) 8451 000 T : (022) 4266 846 T : (0251) 8343 800 (Hunting)
F : (021) 5258 028 F : (0361) 8451 010 F : (022) 4266 845 (0251) 8343 804
(0251) 8343 806
(0251) 8343 805 (Direct)
F : (0251) 8343 807
KCU Cideng KCU Fatmawati KCU Kelapa Gading KCU Makassar
Jl. Cideng Timur No. 33 Jl. RS Fatmawati No. 85A Jl. Taman Mandiri I No. 8 Kav. A1-B1 Ruko Poros Boulevard/Ruko Emerald
Kel. Petojo Utara, Kec. Gambir Cipete Utara, Kebayoran Baru Kelapa Gading Timur No. 16
Jakarta Pusat 10130 Jakarta Selatan 12150 Jakarta Utara 14240 Jl. Boulevard Masale
T : (021) 6338 913 T : (021) 7201 496 T : (021) 4514 012 Kel. Masale, Kec. Panakkukang
F : (021) 6338 914 F : (021) 7201 497 F : (021) 4514 013 Makassar, Sulawesi Selatan 90231
T : (0411) 4093 171
F : (0411) 4093 262
KCU Manado KCU Medan KCU Semarang KCU Senayan
Jl. Walter Monginsidi Komplek Jl. Zainal Arifin No. 53C Jl. Raya Pemuda No. 108 Gedung Bank Panin Senayan Lt. Dasar
Ruko Bahu Mall Kel. Madras Hulu, Kec. Medan Kel. Kembang Sari Jl. Jend. Sudirman No. 1
Blok E No. 5 Polonia Kec. Semarang Tengah Kel. Gelora, Jakarta Selatan 12710
Kel. Bahu, Kec. Malalayang Medan, Sumatera Utara 20153 Jawa Tengah 50139 T : (021) 5735 425
Manado, Sulawesi Utara 95115 T : (061) 8051 0979 T : (024) 3587 048 F : (021) 5735 429
T : (0431) 831 431 F : (061) 4576 274 F : (024) 3587 049
F : (0431) 831 427
KCU Solo KCU Surabaya
Jl. Brigjen Slamet Riyadi No. 330 Jl. Raya Darmo No. 173
Kel. Purwosari, Kec. Laweyan Kel. Darmo, Kec. Wonokromo
Surakarta, Jawa Tengah 57142 Surabaya 60241
T : (0271) 601 1005 T : (031) 5670 778 (Hunting)
F : (0271) 601 1010 F : (031) 5670 775
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Kantor Cabang Pembantu
Sub-Branch Offices
KCP BSD KCP Central Park KCP Citra Dua KCP Duta Mas
Bumi Serpong Damai Sektor IV Garden Shopping Arcade B/08/BG Rukan Citra Niaga Blok A/5 Komplek Perumahan Taman Duta
Blok RE No. 52 Jl. Tanjung Duren Raya Kav. 5-9 Kel. Pegadungan, Kec. Kalideres Mas Blok D8 No. 12
Kel. Lengkong Wetan, Kec. Serpong Tanjung Duren Jakarta Barat 11830 Kel. Wijaya Kusuma, Kec. Grogol
Tangerang 15318 Jakarta Barat 11470 T : (021) 5437 6656 Petamburan
T : (021) 5315 2783 T : (021) 2920 6257 F : (021) 5437 6695 Jakarta Barat 11460
F : (021) 5315 2785 F : (021) 2920 6258 T : (021) 5697 9990
F : (021) 5697 9996
KCP Duta Merlin KCP Gading Serpong KCP Grand Wijaya KCP Green Garden
Komplek Pertokoan Duta Merlin Ruko Rodeo Drive Blok B No. 6 Komplek Grand Wijaya Blok C No. 10 Komplek Green Garden Blok A 14 No. 28
Blok A No. 10 Jl. Boulevard Gading Serpong Jl. Wijaya II Jl. Panjang Kedoya Utara
Jl. Gajah Mada No. 3-5 Kel. Pakulonan Barat, Kec. Kelapa Kel. Pulo, Kec. Kebayoran Baru Kel. Kedoya Utara, Kec. Kebon Jeruk
Kel. Petojo Utara, Kec. Gambir Dua Jakarta Selatan 12160 Jakarta Barat 11520
Jakarta Pusat 10160 Tangerang 15333 T : (021) 7200 009 T : (021) 5835 6803
T : (021) 6386 5970 T : (021) 5421 7245 F : (021) 7202 878 F : (021) 5835 6844
F : (021) 6386 5971 F : (021) 5421 7247
KCP Kebon Jeruk KCP Kelapa Gading Boulevard KCP Kemang KCP Mandala Tomang
Komplek Pertokoan Intercon Blok Komplek Ruko Kelapa Gading Blok Jl. Kemang Raya No. 82 C Lobby Gedung Mandala Airlines
B No. 4-5 LC-6 No. 14 Kel. Bangka, Kec. Mampang Jl. Tomang Raya No. 33-37
Jl. Meruya Ilir Raya Jl. Raya Boulevard Barat Prapatan Kel. Tomang, Kec. Grogol, Petamburan
Kel. Srengseng, Kec. Kembangan Kel. Kelapa Gading Barat Jakarta Selatan 12730 Jakarta Barat 11440
Jakarta Barat 11620 Kec. Kelapa Gading T : (021) 7193 521 T : (021) 5697 2227
T : (021) 5874 427 Jakarta Utara 14240 F : (021) 7193 721 F : (021) 5697 2237
F : (021) 5842 379 T : (021) 4507 672
F : (021) 4528 854
KCP Muara Karang 2 KCP Pantai Indah Kapuk KCP Patal Senayan KCP Pecenongan
Jl. Pluit Karang Utara No. 46 Blok Bukit Golf Mediterania Blok B/18 Rukan Permata Senayan Blok B No. 6 Jl. Pecenongan Raya No. 26
I1 Selatan Kav. 48 Pantai Indah Kapuk Jl. Tentara Pelajar Kel. Kebon Kelapa, Kec. Gambir
Penjaringan Kel. Kamal Muara, Kec. Penjaringan Kel. Grogol Utara Jakarta Pusat 10120
Jakarta Utara 14450 Jakarta Utara 14460 Kec. Kebayoran Lama T : (021) 386 5627
T : (021) 6604 144 T : (021) 5694 5973 Jakarta Selatan 12210 F : (021) 386 5637
F : (021) 6604 116 F : (021) 5694 5974 T : (021) 5794 0668
F : (021) 5794 0667
KCP Pondok Indah KCP Puri Indah KCP Senayan City KCP Sunter
Plaza Pondok Indah Blok II Blok Komplek Puri Indah Blok A No. 3 Mall Senayan City Unit 6–11 Komplek Rukan Sunter Permai Blok
UPS No. 51 Jl. Puri Indah Raya Jl. Asia Afrika Lot 19 A-9
Jl. Metro Pondok Indah Kel. Kembangan Selatan Kel. Gelora Senayan Jl. Danau Sunter Utara
Kel. Pondok Pinang Kec. Kembangan Kec. Tanah Abang Kel. Sunter Agung, Kec. Tanjung Priok
Kec. Kebayoran Lama Jakarta Barat 11610 Jakarta Pusat 10270 Jakarta Utara 14350
Jakarta Selatan 12310 T : (021) 582 0216 T : (021) 7278 1749 T : (021) 6530 7347
T : (021) 7591 5628 F : (021) 582 0217 F : (021) 7278 1750 F : (021) 6530 7348
F : (021) 7591 5625
KCP Taman Palem Lestari KCP Tanah Abang Blok B KCP Wisma Indocement KCP Wisma Slipi
Ruko Taman Palem Blok D1 No. 19D Jl. KH Fachrudin Wisma Indocement Lt. Dasar Wisma Slipi Lt. Dasar
Kel. Cengakareng Barat Pertokoan Grosir Mall Tanah Abang Jl. Jend. Sudirman Kav. 70–71 Jl. Letnan Jenderal S Parman Kav. 12
Kec. Cengkareng Blok B Lt. 5 Kel. Setibudi, Kec. Setiabudi Kel. Kemanggisan, Kec. Palmerah
Jakarta Barat 11730 Loss Ktr No. 2 Jakarta Selatan 12970 Jakarta Barat 11480
T : (021) 5596 0771 Kel. Kampung Bali, Kec. Tanah T : (021) 5223 765 T : (021) 5308 800
F : (021) 5596 0772 Abang F : (021) 5223 762 F : (021) 5307 207
Jakarta Pusat 10240
T : (021) 831 431
F : (021) 831 427
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Profil Perusahaan
Company Profile
Struktur Organisasi
Organization Structure
Struktur organisasi Bank Victoria berdasarkan Surat Keputusan The organizational structure of Bank Victoria is based on the
Direksi No. 008A/SK-DIR/09/23 tanggal 8 September 2023 Board of Director Decision Letter No. 008A/SK-DIR/09/23 dated
diungkapkan sebagai berikut: 8 September 2023 disclosed as follows:
Komite Manajemen
Risiko/Terintegrasi
Risk Management
Committee/Integrated
Wakil Direktur Utama
Asset and Liability Deputy President Director
Committee
Rusli
Komite Kredit
Credit Committee Direktur Kepatuhan Direktur Keuangan
& Manajemen Risiko Director of Finance
Director of Compliance
Komite Kebijakan
& Risk Management
Debora Wahjutirto Tanoyo
Perkreditan
Credit Policy Tamunan
Committee
Senior EVP of Operations Senior EVP of Finance,
Komite Teknologi
& International Banking Accounting & Management
Informasi
Yohanes Information System
Information Technology
Committee Suryadi
Komite Pemantau dan
Pelaksanaan GCG Operations & Internal Special Asset Compliance & System
GCG Implementation Control Division Accounting Division
Management Division Procedure Division
and Monitoring Theresia Maria R Nino Ramadhan
Sonny Andryano RR Utami Tjipto
Committee Dhewajani
Komite Personalia
Personnel Committee International Credit Risk Risk Management/
Banking Division Review Division Integrated Division
Komite Pengadaan Purwono Teguh Trisno P Sam R Soelaeman
Procurement Committee
Komite Produk
Product Committee HCM & General Affair Corporate Secretary
Division Division
Syahda Chandra Caprie Ardira Azhar
Anti Money Laundering,
Credit Monitoring & Counter Terrorist
Collection Financing & Weapon
Bambang F. Triatmojo Mass Destruction (AML,
CTF & WMD)
Chairul Bahri
Management Information
System (MIS)
Ari Prasetyo
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Komite Pemantau Risiko
Risk Monitoring Committee
Ketua / Chairman : Gunawan Tenggarahardja
Anggota / Member : Zaenal Abidin, Ph.D
Anggota / Member : Medi Sejati
Anggota / Member : Yozef Abdulrachman
Komite Nominasi dan Remunerasi
Dewan Komisaris Nomination and Remuneration Committee
Board of Commissioners Ketua / Chairman : Gunawan Tenggarahardja
Anggota / Member : Sia Leng Ho
Anggota / Member : Syahda Candra
Komisaris Utama Independen : Zaenal Abidin, Ph.D
Independent President Commissioner
Komisaris/Komisaris Independen : Gunawan Tenggarahardja
Commissioner/Independent Commissioner Komite Audit
Komisaris : Sia Leng Ho
Audit Committee
Commissioner
Ketua / Chairman : Zaenal Abidin, Ph.D
Anggota / Member : Medi Sejati
Anggota / Member : Yozef Abdulrachman
Direktur Utama
President Director
Achmad Friscantono
Direktur Bisnis
Director of Business
Lembing
Senior EVP of Change
Senior EVP of Business
Management Office
Mira Christiana
Muhammad Rakhmadhani
Loan & Trade Change Management SKAI & Anti Fraud Commercial Banking SME & Consumer
Operations Division Office Division Division Division Banking Division
Andri Ramunanda Ahmad Suheri Djoko Soendjojo Kevin Limanseto David Fisher Kusnadi
Information
Treasury Division
Credit Legal Division Technology Division
Ritayana
Novita Indriyani Yohanes Robby
Yuwono
Corporate Legal
Division
Yosef Sudikbyo
Branch Banking
Network &
Digital Sales Division
Lanny Triwardhani
Main Branches
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Profil Perusahaan
Company Profile
Daftar Keanggotaan dalam Asosiasi
List of Association Membership
Skala Asosiasi
Nama Asosiasi Posisi Bank
Scale of
Name of Association Bank Position
Association
Lembaga Penjamin Simpanan Nasional Anggota
Indonesia Deposit Insurance Corporation National Member
PT Kustodian Sentral Efek Indonesia Nasional Anggota
Indonesia Central Securities Depository National Member
Perhimpunan Bank-Bank Umum Nasional Nasional Anggota
Association of National Commercial Banks National Member
Asosiasi Emiten Indonesia Nasional Anggota
Indonesian Public Listed Companies Association National Member
Ikatan Bankir Indonesia Nasional Anggota
Indonesian Banker Institute National Member
Nasional Anggota
Bankers Association for Risk Managemet
National Member
Lembaga Alternatif Penyelesaian Sengketa Perbankan Indonesia Nasional Anggota
Indonesian Alternative Agencies for Banking Dispute Resolution National Member
Nasional Anggota
Indonesian Corporate Secretary Association
National Member
Asosiasi Sistem Pembayaran Indonesia Nasional Anggota
Indonesian Payment System Association National Member
Perhimpunan Pedagang Surat Hutang Nasional Anggota
Bond Traders Association National Member
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Profil Dewan Komisaris
Board of Commissioners Profile
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
Sebagai Komisaris Utama Independen: As Independent President Commissioner:
Keputusan RUPS Tahunan tanggal 3 Juni 2022 Annual GMS Resolutions dated 3 June 2022
(2022-2025). (2022-2025).
Sebagai Komisaris/Komisaris Independen: As Commissioner/Independent Commissioner:
• Keputusan RUPS Tahunan tanggal 29 Juni 2012 • Annual GMS Resolutions dated 29 June 2012
(2012-2013); (2012-2013);
• Keputusan RUPS Tahunan tanggal 28 Juni 2013 • Annual GMS Resolutions dated 28 June 2013
(2013-2016); (2013-2016);
• Keputusan RUPS Tahunan tanggal 24 Juni 2016 • Annual GMS Resolutions dated 24 June 2016
(2016-2019); dan (2016-2019); and
• Keputusan RUPS Tahunan tanggal 10 Mei 2019 • Annual GMS Resolutions dated 10 May 2019
(2019-2022). (2019-2022).
Riwayat Pendidikan Education
• Sarjana Ekonomi dari Universitas Islam Indonesia, • Bachelor of Economics from Islam Indonesia
Yogyakarta (1987); University, Yogyakarta (1987);
• Master of Management dari ASIAN Institute of • Master of Management from ASIAN Institute of
ZAENAL Management (AIM), Filipina (1997); dan Management (AIM), the Philippines (1997); and
• Doctor of Philosophy dari Santo Tomas University, • Doctor of Philosophy from Santo Tomas
ABIDIN Ph.D Filipina (2006). University, the Philippines (2006).
Komisaris Utama Independen Rangkap Jabatan Concurrent Positions
President Commissioner Independent Di dalam Bank Victoria: In Bank Victoria:
• Ketua Komite Audit Bank Victoria (sejak 2022); • Chairman of Audit Committee of Bank Victoria
dan (since 2022); and
• Anggota Komite Pemantau Risiko Bank Victoria • Member of Risk Monitoring Committee of Bank
Kewarganegaraan (sejak 2022). Victoria since (2022).
Nationality
Indonesia / Indonesian Di luar Bank Victoria: Outside of Bank Victoria:
• Dosen Perbanas Institute (sejak 1993); dan • Lecturer of Perbanas Institute (since 1993); and
Tempat Lahir • Asesor Manajemen Risiko Pasar Modal (sejak 2016). • Assessor of Risk Management of Capital Market
Place of Birth (since 2016).
Sukabumi Riwayat Jabatan History of Positions
• Pro Manager Treasury dan Analisa Bidang Dana • Pro Manager Treasury and Analysis in Banking Fund
Usia Perbankan Bank Summa (1989-1992); Sector of Bank Summa (1989-1992);
Age • Peneliti Senior GCG Indonesia Institute Corporate • GCG Senior Researcher of Indonesia Institute of
60 tahun / years old Governance (2008-2018); Corporate Governance (2008-2018);
• Koordinator Staf Khusus Bidang Riset Asosiasi • Coordinator of Special Staff of Research Field of
Domisili Perbanas (2011-2012); Perbanas Association (2011-2012);
Domicile • Dosen Sekolah Tinggi Ilmu Ekonomi Indonesia • Lecturer of Sekolah Tinggi Ilmu Ekonomi Indonesia
Banking School (2013-2019); Banking School (2013-2019);
Depok
• Ketua Komite Pemantau Risiko Bank Victoria • Chairman of Risk Monitoring Committee of Bank
(2013-2022); Victoria (2013-2022);
• Ketua Komite Tata Kelola Terintegrasi Grup • Chairman of Integrated Governance Committee of
Pernyataan Independensi Victoria (2015-2021); dan Victoria Group (2015-2021); and
Statement of Independence • Komisaris Independen PT Sumberdaya Sewatama • Independent Commissioner of PT Sumberdaya
Beliau telah menjabat 5 (lima) periode sebagai (2021-2022). Sewatama (2021-2022).
Komisaris Independen dan telah menandatangani
Sertifikasi Certification
surat pernyataan independensi.
• Sertifikasi bidang Kepatuhan Perbankan Level • Certification in Banking Compliance Executive
He has served for 5 (five) terms as Independent Eksekutif dari Lembaga Sertifikasi Profesi Level from Banking Profession Certification
Commissioner and has signed a statement of Perbankan (2020-2023); Institute (2020-2023);
independence. • Sertifikasi bidang Keahlian Profesi Pasar Modal • Certification in Capital Market Professional
sebagai Wakil Manajer Investasi dari The Expertise as Deputy Investment Manager from The
Hubungan Afiliasi Indonesia Capital Market Institute (2018-2023); Indonesia Capital Market Institute (2018-2023);
Affiliation Relationship • Sertifikasi bidang Manajemen Risiko Level Utama • Certification in Risk Management Main Level from
Tidak memiliki hubungan afiliasi dengan anggota dari Lembaga Sertifikasi Profesi Pasar Modal the Banking Profession Certification Institute
Dewan Komisaris lainnya, anggota Direksi, serta (2019-2023); (2019-2023);
Pemegang Saham Utama dan Pengendali, baik • Sertifikasi bidang Asesor Kompetensi Level • Certification in Competency Assessment,
langsung maupun tidak langsung sampai kepada Asesmen/Uji Kompetensi dari Lembaga Sertifikasi Assessment Level/Competency Test from Banking
pemilik individu. Profesi Perbankan (2019-2022); dan Profession Certification Institute (2019-2022); and
Does not have any affiliation with other members • Sertifikasi bidang Manajemen Risiko Perbankan • Certification in Banking Risk Management Level
of Board of Commissioners, members of Board of Level 2 dari Lembaga Sertifikasi Profesi 2 from Banking Profession Certification Institute
Directors, and Main and Controlling Shareholders, Perbankan (2021-2025). (2021-2025).
either directly or indirectly up to the individual Penilaian Uji Kemampuan dan Kepatutan Fit and Proper Test
owners. Sebagai Komisaris Utama Independen: As Independent President Commissioner:
Telah lulus fit and proper test dari OJK tanggal Passed the fit and proper test from the FSA on
28 Oktober 2022. 28 October 2022.
Sebagai Komisaris/Komisaris Independen: As Commissioner/Independent Commissioner:
Telah lulus fit and proper test dari Bank Indonesia Passed the fit and proper test from Bank Indonesia
tanggal 27 September 2012. on 27 September 2012.
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Profil Perusahaan
Company Profile
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
• Keputusan RUPS Luar Biasa tanggal • Extraordinary GMS Resolutions dated
24 Februari 2003 (2003-2007); 24 February 2003 (2003-2007);
• Keputusan RUPS Luar Biasa tanggal • Extraordinary GMS Resolutions dated
19 Desember 2007 (2007-2010); 19 December 2007 (2007-2010);
• Keputusan RUPS Tahunan tanggal 25 Juni 2010 • Annual GMS Resolutions dated 25 June 2010
(2010-2013); (2010-2013);
• Keputusan RUPS Tahunan tanggal 28 Juni 2013 • Annual GMS Resolutions dated 28 June 2013
(2013-2016); (2013-2016);
• Keputusan RUPS Tahunan tanggal 24 Juni 2016 • Annual GMS Resolutions dated 24 June 2016
(2016-2019); (2016-2019);
• Keputusan RUPS Tahunan tanggal 10 Mei 2019 • Annual GMS Resolutions dated 10 May 2019
(2019-2022); dan (2019-2022); and
• Keputusan RUPS Tahunan tanggal 3 Juni 2022 • Annual GMS Resolutions dated 3 June 2022
(2022-2025). (2022-2025).
Riwayat Pendidikan Education
GUNAWAN Sarjana Teknik Sipil dari Institut Teknologi Bachelor of Civil Engineering from Bandung
Bandung (1981). Institute of Technology (1981).
TENGGARAHARDJA
Komisaris/Komisaris Independen Rangkap Jabatan Concurrent Positions
Commissioner/Independent Commissioner Di dalam Bank Victoria: In Bank Victoria:
• Ketua Komite Nominasi dan Remunerasi Bank • Chairman of Nomination and Remuneration
Victoria (sejak 2012); dan Committee of Bank Victoria (since 2012); and
• Ketua Komite Pemantau Risiko Bank Victoria • Chairman of Risk Monitoring Committee of
Kewarganegaraan (sejak 2022). Bank Victoria (since 2022).
Nationality
Indonesia / Indonesian Di luar Bank Victoria: Outside of Bank Victoria:
Komisaris Independen PT Jakarta Setiabudi Independent Commissioner of PT Jakarta
Tempat Lahir
Internasional Tbk (sejak 2004). Setiabudi Internasional Tbk (since 2004).
Place of Birth
Malang Riwayat Jabatan History of Positions
• International Field Engineer 1 Schlumberger • International Field Engineer 1 of
Usia
OSA (1982-1984); Schlumberger OSA (1982-1984);
Age
• Assistant Manager PT Bank Bali (1985-1988); • Assistant Manager of PT Bank Bali (1985-1988);
68 tahun / years old
• General Manager PT Sampoerna Transport • General Manager of PT Sampoerna Transport
Domisili Nusantara (1989-1992); Nusantara (1989-1992);
Domicile • Direktur Eksekutif PT Duta Pertiwi Tbk • Executive Director of PT Duta Pertiwi Tbk
Jakarta (1992-1996); (1992-1996);
• Direktur PT Bhuwanatala Indah Permai Tbk • Director of PT Bhuwanatala Indah Permai Tbk
(1996-1998); (1996-1998);
• Komisaris Utama PT Sigma Karya Sempurna • President Commissioner of PT Sigma Karya
(Bali Camp) (1998-2004); Sempurna (Bali Camp) (1998-2004);
• Ketua Komite Pemantau Risiko Bank Victoria • Chairman of Risk Monitoring Committee of
(2015-2022); dan Bank Victoria (2015-2022); and
• Anggota Komite Tata Kelola Terintegrasi Bank • Member of Integrated Governance Committee
Victoria (2017-2021). of Bank Victoria (2017-2021).
Sertifikasi Certification
Sertifikasi bidang Manajemen Risiko Perbankan Risk Management Certification Level 5 from
Level 5 dari Lembaga Sertifikasi Profesi Banking Profession Certification Institute
Perbankan (2021-2023). (2021-2023).
Penilaian Uji Kemampuan dan Kepatutan Fit and Proper Test
Sebagai Komisaris Utama Independen: As Independent President Commissioner:
Telah lulus fit and proper test dari Bank Passed the fit and proper test from Bank
Indonesia tanggal 22 April 2003. Indonesia on 22 April 2003.
Sebagai Komisaris/Komisaris Independen: As Commissioner/Independent Commissioner:
Telah lulus fit and proper test dari Bank Passed the fit and proper test from Bank
Indonesia tanggal 13 September 2003. Indonesia on 13 September 2003.
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Does not have any affiliation with other
Dewan Komisaris lainnya, anggota Direksi, serta members of Board of Commissioners, members
Pemegang Saham Utama dan Pengendali, baik of Board of Directors, and Main and Controlling
langsung maupun tidak langsung sampai kepada Shareholders, either directly or indirectly up to
pemilik individu. the individual owners.
Pernyataan Independensi Statement of Independence
Beliau telah menjabat 7 (tujuh) periode He has served for 7 (seven) terms as Independent
sebagai Komisaris Independen dan telah Commissioner and has signed a statement of
menandatangani surat pernyataan independensi. independence.
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Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
Keputusan RUPS Luar Biasa tanggal 19 Oktober Extraordinary GMS Resolutions dated 19 October
2022 (2022-2025). 2022 (2022-2025).
Riwayat Pendidikan Education
Bachelor of Business Administration dari Bachelor of Business Administration from
University of San Francisco (1985). University of San Francisco (1985).
Rangkap Jabatan Concurrent Positions
Di dalam Bank Victoria: In Bank Victoria:
Anggota Komite Nominasi dan Remunerasi Bank Member of Nomination and Remuneration
Victoria (sejak 2022). Committee of Bank Victoria (since 2022).
Di luar Bank Victoria: Outside of Bank Victoria:
Komisaris Independen PT Central Proteina Commissioner of PT Central Proteina
Prima Tbk (sejak 2023). Prima Tbk (since 2023).
Riwayat Jabatan History of Positions
SIA LENG HO • Posisi terakhir sebagai Vice President – • Last position as Vice President - Corporate
Corporate Banking Segment Head PT Bank Banking Segment Head of PT Bank Bali
Komisaris Bali (1985-1991); (1985-1991);
Commissioner • Deputy President Director PT Bank Ekonomi • Deputy President Director of PT Bank Ekonomi
Raharja Tbk (1991-2012); Raharja Tbk (1991-2012);
• Komisaris PT Bank Ekonomi Raharja Tbk • Commissioner of PT Bank Ekonomi Raharja Tbk
(2012); (2012);
Kewarganegaraan
• President Director PT Bank Agris Tbk • President Director of PT Bank Agris Tbk
Nationality
(2012-2019); dan (2012-2019); and
Indonesia / Indonesian
• Management Advisor PT Bank IBK Indonesia • Management Advisor of PT Bank IBK
Tempat Lahir Tbk (2019-2021). Indonesia Tbk (2019-2021).
Place of Birth
Jakarta Sertifikasi Certification
Sertifikasi bidang Manajemen Risiko Perbankan Risk Management Certification Level 5 from
Usia Level 5 dari Lembaga Sertifikasi Profesi Banking Profession Certification Institute
Age Perbankan (2021-2023). (2021-2023).
64 tahun / years old
Penilaian Uji Kemampuan dan Kepatutan As Independent President Commissioner:
Domisili Telah lulus fit and proper test dari Bank Passed the fit and proper test from the FSA on
Domicile Indonesia tanggal 28 Oktober 2003. 28 October 2003.
Jakarta
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Does not have any affiliation with other
Dewan Komisaris lainnya, anggota Direksi, serta members of Board of Commissioners, members
Pemegang Saham Utama dan Pengendali, baik of Board of Directors, and Main and Controlling
langsung maupun tidak langsung sampai kepada Shareholders, either directly or indirectly up to
pemilik individu. the individual owners.
Perubahan Komposisi Anggota Dewan Changes to the Composition of Board of
Komisaris Commissioners
Tidak terdapat perubahan anggota Dewan Komisaris Bank There were no changes to the members of Board of Commissioners
Victoria selama tahun buku 2023. Dengan demikian, susunan of Bank Victoria in the 2023 fiscal year. Thus, the composition of
keanggotaan Dewan Komisaris meliputi: the Board of Commissioners includes:
Komisaris Utama : Zaenal Abidin, Ph.D Independent : Zaenal Abidin, Ph.D
Independen President Commissioner
Komisaris/ : Gunawan Tenggarahardja Commissioner/Independent : Gunawan Tenggarahardja
Komisaris Independen Commissioner
Komisaris : Sia Leng Ho Commissioner : Sia Leng Ho
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Profil Perusahaan
Company Profile
Profil Direksi
Board of Directors Profile
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
Keputusan RUPS Tahunan tanggal 3 Juni 2022 Annual GMS Resolutions dated 3 June 2022
(2022-2025). (2022-2025).
Riwayat Pendidikan Education
• Bachelor of Science Degree in Agricultural • Bachelor of Science Degree in Agricultural
Economics (Business and Industry) dari Economics (Business and Industry) from
University of Wisconsin, Madison (1987); dan University of Wisconsin, Madison (1987); and
• Master of Business Administration (Marketing) • Master of Business Administration (Marketing)
dari City University, Seattle, Washington, USA from City University, Seattle, Washington, USA
(1989). (1989).
Rangkap Jabatan Concurrent Positions
Di dalam Bank Victoria: In Bank Victoria:
Tidak Ada. None.
Di luar Bank Victoria: Outside of Bank Victoria:
Tidak Ada. None.
ACHMAD FRISCANTONO
Riwayat Jabatan History of Positions
Direktur Utama • Senior Assistant Manager Divison Treasury • Senior Assistant Manager of Treasury Division
President Director PT Bank Internasional Indonesia Tbk of PT Bank Internasional Indonesia Tbk
(1990-1994); (1990-1994);
• Manager Divison Treasury PT Bank Namura • Treasury Division Manager of PT Bank Namura
Internusa (1994-1996); Internusa (1994-1996);
Kewarganegaraan
• Senior Manager Divison Treasury dan Divison • Senior Manager of Treasury Division and
Nationality
International PT Bank Rama Tbk (1996-2000); International Division of PT Bank Rama Tbk
Indonesia / Indonesian
(1996-2000);
Tempat Lahir • Kepala Risiko Likuiditas (Senior Assistant • Head of Market Liquidity Risk (Senior Assistant
Place of Birth Vice President) Market dan Likuiditas Risiko Vice President) and Division Liquidity
San Francisco Divisi PT Bank Danamon Indonesia Tbk Risk of PT Bank Danamon Indonesia Tbk
(2000-2006); (2000-2006);
Usia • Treasury and Financial Institution Head • Treasury and Financial Institution Head
Age (Executive Vice President) PT Bank Tabungan (Executive Vice President) of PT Bank
62 tahun / years old Pensiun Nasional Tbk (2006-2016); dan Tabungan Pensiun Nasional Tbk (2006-2016);
and
Domisili • Komisaris Utama PT Bank Victoria Syariah • President Commissioner of PT Bank Victoria
Domicile (2019-2022). Syariah (2019-2022).
Jakarta
Sertifikasi Certification
Sertifikasi bidang Manajemen Risiko Level 5 Risk Management Certification Level 5 from
dari Lembaga Sertifikasi Profesi Perbankan Banking Profession Certification Institute
(2022-2024). (2022-2024).
Penilaian Uji Kemampuan dan Kepatutan Fit and Proper Test
Telah lulus fit and proper test dari OJK tanggal Passed the fit and proper test from the FSA on
19 Oktober 2022. 19 October 2022.
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Does not have any affiliation with other members
Direksi lainnya, anggota Dewan Komisaris, serta of Board of Directors, members of Board of
Pemegang Saham Utama dan Pengendali, baik Commissioners, and Main and Controlling
langsung maupun tidak langsung sampai kepada Shareholders, either directly or indirectly up to
pemilik individu. the individual owners.
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Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
• Keputusan RUPS Luar Biasa tanggal • Extraordinary GMS Resolutions dated
29 Februari 2016 (2016); 29 February 2016 (2016);
• Keputusan RUPS Tahunan tanggal 24 Juni 2016 • Annual GMS Resolutions dated 24 June 2016
(2016-2019); (2016-2019);
• Keputusan RUPS Tahunan tanggal 10 Mei 2019 • Annual GMS Resolutions dated 10 May 2019
(2019-2022); dan (2019-2022); and
• Keputusan RUPS Tahunan tanggal 3 Juni 2022 • Annual GMS Resolutions dated 3 June 2022
(2022-2025). (2022-2025).
Riwayat Pendidikan Education
Insinyur jurusan Teknik Industri dari Universitas Engineer of Industrial Engineering from Trisakti
Trisakti (1993). University (1993).
Rangkap Jabatan Concurrent Positions
Di dalam Bank Victoria: In Bank Victoria:
Tidak Ada. None.
RUSLI Di luar Bank Victoria: Outside of Bank Victoria:
Tidak Ada. None.
Wakil Direktur Utama
Deputy President Director Riwayat Jabatan History of Positions
• Menjabat di PT Bank QNB Indonesia Tbk • Held positions at PT Bank QNB Indonesia Tbk
sebagai: as:
- Head of Treasury (2000-2002); - Head of Treasury (2000-2002);
Kewarganegaraan
- Direktur Treasury (2002-2009); - Director of Treasury (2002-2009);
Nationality
- Direktur Bisnis (2009-2012); - Director of Business (2009-2012);
Indonesia / Indonesian
- Direktur Operasional (2012-2016); dan - Director of Operations (2012-2016); and
Tempat Lahir • Direktur Operasi dan Sistem Bank Victoria • Director of Operations and Systems of Bank
Place of Birth (2016). Victoria (2016).
Tebing Tinggi
Sertifikasi Certification
Usia • Omega Credit Certification (2015); • Omega Credit Certification (2015);
Age • Sertifikasi bidang Treasury Dealer Level • Certification in Treasury Dealer Advanced
52 tahun / years old Advance dari Lembaga Sertifikasi Profesi Level from Banking Profession Certification
Perbankan (2021-2024); dan Institute (2021-2024); and
Domisili • Sertifikasi bidang Manajemen Risiko • Certification in Banking Risk Management
Domicile Perbankan Level 5 dari Lembaga Sertifikasi Level 5 from Banking Profession Certification
Jakarta Profesi Perbankan (2021-2023). Institute (2021-2023).
Penilaian Uji Kemampuan dan Kepatutan Fit and Proper Test
Telah lulus fit and proper test dari OJK tanggal Passed the fit and proper test from the FSA on
16 September 2016. 16 September 2016.
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Does not have any affiliation with other members
Direksi lainnya, anggota Dewan Komisaris, serta of Board of Directors, members of Board of
Pemegang Saham Utama dan Pengendali, baik Commissioners, and Main and Controlling
langsung maupun tidak langsung sampai kepada Shareholders, either directly or indirectly up to
pemilik individu. the individual owners.
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Profil Perusahaan
Company Profile
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
• Keputusan RUPS Tahunan tanggal 18 Mei 2018 • Annual GMS Resolutions dated 18 May 2018
(2018-2019); (2018-2019);
• Keputusan RUPS Tahunan tanggal 10 Mei 2019 • Annual GMS Resolutions dated 10 May 2019
(2019-2022); dan (2019-2022); and
• Keputusan RUPS Tahunan tanggal 3 Juni 2022 • Annual GMS Resolutions dated 3 June 2022
(2022-2025). (2022-2025).
Riwayat Pendidikan Education
Sarjana Ekonomi dari Universitas Tarumanegara Bachelor of Economic from Tarumanegara
(1989). University (1989).
Rangkap Jabatan Concurrent Positions
Di dalam Bank Victoria: In Bank Victoria:
Tidak Ada. None.
Di luar Bank Victoria: Outside of Bank Victoria:
Tidak Ada. None.
LEMBING
Riwayat Jabatan History of Positions
Direktur Bisnis • Branch Manager Bank Lippo (1991-2004); • Branch Manager of Bank Lippo (1991-2004);
Director of Business • Kepala Wilayah Jakarta dan Kalimantan Bank • Head of Jakarta and Kalimantan Regions of
Lippo (2004-2008); Bank Lippo (2004-2008);
• Small Medium Enterprise Head Bank • Small and Medium Enterprise Head of Bank
Danamon (2008-2009); Danamon (2008-2009);
Kewarganegaraan
• Small Medium Enterprise Head and Emerging • Small and Medium Enterprise Head and
Nationality
Business Maybank (2009-2012); Emerging Business of Maybank (2009-2012);
Indonesia / Indonesian
• Direktur PT Elang Kurnia Sakti (2012-2017); • Director of PT Elang Kurnia Sakti (2012-2017);
Tempat Lahir • Direktur PT Agung Kimia Cemerlang • Director of PT Agung Kimia Cemerlang
Place of Birth (2012-2017); (2012-2017);
Pekanbaru • Komisaris PT Agung Kimia Cemerlang • Commissioner of PT Agung Kimia Cemerlang
(2015-2017); dan (2015-2017); and
Usia • Small Medium Enterprise Head Maybank • Small and Medium Enterprise Head of
Age (2017- 2018). Maybank (2017-2018).
59 tahun / years old
Sertifikasi Certification
Domisili Sertifikasi bidang Manajemen Risiko Perbankan Risk Management Certification Level 5 from
Domicile Level 5 dari Lembaga Sertifikasi Profesi Banking Profession Certification Institute
Jakarta Perbankan (2022-2024). (2022-2024).
Penilaian Uji Kemampuan dan Kepatutan Fit and Proper Test
Telah lulus fit and proper test dari OJK tanggal Passed the fit and proper test from the FSA on
30 Oktober 2018. 30 October 2018.
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Does not have any affiliation with other members
Direksi lainnya, anggota Dewan Komisaris, serta of Board of Directors, members of Board of
Pemegang Saham Utama dan Pengendali, baik Commissioners, and Main and Controlling
langsung maupun tidak langsung sampai kepada Shareholders, either directly or indirectly up to
pemilik individu. the individual owners.
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Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
• Keputusan RUPS Tahunan tanggal 18 Mei • Annual GMS Resolutions dated 18 May 2018
2018 (2018-2019); (2018-2019);
• Keputusan RUPS Tahunan tanggal 10 Mei • Annual GMS Resolutions dated 10 May 2019
2019 (2019-2022); dan (2019-2022); and
• Keputusan RUPS Tahunan tanggal 3 Juni 2022 • Annual GMS Resolutions dated 3 June 2022
(2022-2025). (2022-2025).
Riwayat Pendidikan Education
• Bachelor of Science dari University of San • Bachelor of Science from University of San
Francisco, California (2006); dan Fransisco, California (2006); and
• Master of Business Administration dari • Master of Business Administration from
University of San Fransisco, California (2009). University of San Fransisco, California (2009).
Rangkap Jabatan Concurrent Positions
Di dalam Bank Victoria: In Bank Victoria:
Tidak Ada. None.
DEBORA WAHJUTIRTO
TANOYO Di luar Bank Victoria: Outside of Bank Victoria:
Tidak Ada. None.
Direktur Keuangan
Director of Finance Riwayat Jabatan History of Positions
• Assurance Staff Burr Pilger and Mayer LLP, • Assurance Staff of Burr Pilger and Mayer LLP,
San Francisco (2007-2008); San Francisco (2007-2008);
• Senior Associate 2 Ernst and Young LLP, • Senior Associate 2 of Ernst and Young LLP,
Kewarganegaraan
Singapore (2011-2013); Singapore (2011-2013);
Nationality
• Finance Manager PT Victoria Investama Tbk • Finance Manager of PT Victoria Investama
Indonesia / Indonesian
(2013-2014); Tbk (2013-2014);
Tempat Lahir • Senior Staf Manajemen Risiko Bank Victoria • Senior Staff of Risk Management of Bank
Place of Birth (2014-2015); Victoria (2014-2015);
Surabaya • Direktur PT Victoria Investama Tbk • Director of PT Victoria Investama Tbk
(2014-2018); dan (2014-2018); and
Usia • Komisaris Bank Victoria (2016-2018). • Commissioner of Bank Victoria (2016-2018).
Age
38 tahun / years old Sertifikasi Certification
Sertifikasi bidang Manajemen Risiko Perbankan Risk Management Certification Level 5 from
Domisili Level 5 dari Lembaga Sertifikasi Profesi Banking Profession Certification Institute
Domicile Perbankan (2022-2024). (2022-2024).
Jakarta
Penilaian Uji Kemampuan dan Kepatutan Fit and Proper Test
Telah lulus fit and proper test dari OJK tanggal Passed the fit and proper test from the FSA on
22 November 2018. 22 November 2018.
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan Does not have any affiliation with members of
Dewan Komisaris dan Direksi. Namun, memiliki Board of Commissioners and members of Board of
hubungan afiliasi dengan Pemegang Saham Directors. However, has affiliation with Controlling
Pengendali yaitu Suzanna Tanojo. Shareholder, namely Suzanna Tanojo.
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Profil Perusahaan
Company Profile
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
• Keputusan RUPS Tahunan tanggal 27 Juni • Annual GMS Resolutions dated 27 June 2008
2008 (2008-2010); (2018-2010);
• Keputusan RUPS Tahunan tanggal 25 Juni • Annual GMS Resolutions dated 25 June 2010
2010 (2010-2013); (2010-2013);
• Keputusan RUPS Tahunan tanggal 28 Juni • Annual GMS Resolutions dated 28 June 2013
2013 (2013-2016); (2013-2016);
• Keputusan RUPS Tahunan tanggal 24 Juni • Annual GMS Resolution dated 24 June 2016
2016 (2016-2019); (2016-2019);
• Keputusan RUPS Tahunan tanggal 10 Mei • Annual GMS Resolutions dated 10 May 2019
2019 (2019-2022); dan (2019-2022); and
• Keputusan RUPS Tahunan tanggal 3 Juni 2022 • Annual GMS Resolutions dated 3 June 2022
(2022-2025). (2022-2025).
Riwayat Pendidikan Education
• Sarjana Ekonomi bidang Akuntansi dari • Bachelor of Economics in Accounting from
Universitas Lambung Mangkurat, Banjarmasin Lambung Mangkurat University, Banjarmasin
(1990); dan (1990); and
• Magister Manajemen bidang Manajemen • Master of Management, majoring in Risk
TAMUNAN Risiko dari Universitas Indonesia (2008). Management from Universitas Indonesia (2008).
Rangkap Jabatan Concurrent Positions
Direktur Kepatuhan dan Di dalam Bank Victoria: In Bank Victoria:
Manajemen Risiko Tidak Ada. None.
Director of Compliance and Risk
Management Di luar Bank Victoria: Outside of Bank Victoria:
Tidak Ada. None.
Kewarganegaraan
Riwayat Jabatan History of Positions
Nationality
• Staf Audit Kantor Akuntan Publik Drs. Santoso • Audit Staff of Public Accounting Firm of
Indonesia / Indonesian Banjarmasin (1987-1988); Drs. Santoso Banjarmasin (1987-1988);
• Kepala Bagian Administrasi dan Umum • Head of Administration and General Affairs
Tempat Lahir
PT Winduintan Deltatama (Muda Jaya Group) Department of PT Winduintan Deltatama
Place of Birth Banjarmasin (1988-1990); (Muda Jaya Group), Banjarmasin (1988-1990);
Banjarmasin • Kepala Kantor Bank Andromeda (1990-1997); • Office Head of Bank Andromeda (1990-1997);
• Kepala Kantor Bank Alfa, Menara Kebon Sirih • Office Head of Bank Alfa, Menara Kebon Sirih
Usia (1997-1999); (1997-1999);
Age • Staf Badan Penyehatan Perbankan Nasional • Staff of Indonesian Bank Restructuring
58 tahun / years old (BPPN) (1999); Agency (BPPN) (1999);
• Manajer Operasional PT Victoria Sekuritas • Manager of Operations of PT Victoria
Domisili (1999-2001); Securities (1999-2001);
Domicile • Head of Operation and Compliance • Head of Operations and Compliance of
Jakarta PT Mahastra Capital (2001-2003); dan PT Mahastra Capital (2001-2003); and
• Direktur Operasi Bank Victoria (2007-2008). • Director of Operations of Bank Victoria
(2007-2008).
Sertifikasi Certification
• Sertifikasi bidang Treasury Dealer Level • Certification in Treasury Dealer Advanced
Advance dari Lembaga Sertifikasi Profesi Level from Banking Profession Certification
Perbankan (2021- 2024); Institute (2021-2024);
• Sertifikasi bidang Manajemen Risiko • Certification in Banking Risk Management
Perbankan Level 7 dari Lembaga Sertifikasi Level 7 from Banking Profession Certification
Profesi Perbankan (2021-2023); dan Institute (2021-2023); and
• Sertifikasi bidang Compliance Level Advance • Certification in Compliance Advanced
dari Lembaga Sertifikasi Profesi Perbankan Level from Banking Profession Certification
(2021-2024). Institute (2021-2024).
Penilaian Uji Kemampuan dan Kepatutan Fit and Proper Test
Telah lulus fit and proper test dari Bank Passed the fit and proper test from Bank
Indonesia tanggal 24 Maret 2009. Indonesia on 24 March 2009.
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Does not have any affiliation with other members
Direksi lainnya, anggota Dewan Komisaris, serta of Board of Directors, members of Board of
Pemegang Saham Utama dan Pengendali, baik Commissioners, and Main and Controlling
langsung maupun tidak langsung sampai kepada Shareholders, either directly or indirectly up to
pemilik individu. the individual owners.
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Perubahan Komposisi Anggota Direksi Changes to the Board of Directors’ Composition
Pada tahun 2023, tidak terdapat perubahan komposisi anggota In 2023, there were no changes to the composition of the Board
Direksi Bank Victoria. Dengan demikian, susunan keanggotaan of Directors of Bank Victoria. Thus, the composition of the Board
Direksi meliputi: of Directors includes:
Direktur Utama : Achmad Friscantono President Director : Achmad Friscantono
Wakil Direktur Utama : Rusli Deputy President Director : Rusli
Direktur Bisnis : Lembing Director of Business : Lembing
Direktur Keuangan : Debora Wahjutirto Tanoyo Director of Finance : Debora Wahjutirto Tanoyo
Direktur Kepatuhan Director of Compliance
dan Manajemen Risiko : Tamunan and Risk Management : Tamunan
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Profil Perusahaan
Company Profile
Profil Pejabat Eksekutif
Executive Officers Profile
1 3 2 4
1. Muhammad Rakhmadhani 3. Mira Christiana
(Senior Executive Vice President(SEVP) of Change (Senior Executive Vice President (SEVP) of Business)
Management Office)
2. Yohanes 4. Suryadi
Senior Executive Vice President (SEVP) of Operations & (Senior Executive Vice President of Finance, Accounting &
International Banking Management Information System)
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Nama Jabatan
Name Position
Muhammad Rakhmadhani Senior Executive Vice President of Change Management Office
Yohanes Senior Executive Vice President of Operations & International Banking
Mira Christiana Senior Executive Vice President of Business
Suryadi Senior Executive Vice President of Finance, Accounting & Management Information System
Kepala Divisi Corporate Secretary
Caprie Ardira Azhar
Head of Corporate Secretary Division
Kepala Divisi SKAI & Anti Fraud
Djoko Soendjojo
Head of SKAI & Anti Fraud Division
Kepala Divisi Compliance & System Procedure
RR Utami Tjipto
Head of Compliance & System Procedure
Kepala Divisi Risk Management/Integrated
Sam R Soelaeman
Head of Risk Management/Integrated Division
Kepala Divisi International Banking
Purwono
Head of International Banking Division
Kepala Divisi Treasury
Ritayana
Head of Treasury Division
Kepala Divisi Operations & Internal Control
Theresia Maria Dhewajani
Head of Operations & Internal Control Division
Kepala Divisi Corporate Legal
Yosef Sudikbyo
Head of Corporate Legal Division
Kepala Divisi Credit Legal
Novita Indriyani
Head of Credit Legal Division
Kepala Divisi Credit Risk Review
Teguh Trisno Pambudi
Head of Credit Risk Review Division
Kepala Divisi SME & Consumer Banking
David Fisher Kusnadi
Head of SME & Consumer Banking Division
Kepala Divisi Branch Banking Network & Digital Sales
Lanny Triwardhani
Head of Branch Banking Network & Digital Sales Division
Kepala Divisi Loan & Trade Operations
Andri Ramunanda
Head of Loan & Trade Operations Division
Kepala Divisi Special Assets Management
Sonny Andryano
Head of Special Assets Management Division
Wakil Kepala Departemen Credit Monitoring & Collection
Bambang F. Triatmojo
Vice Head of Credit Monitoring & Collection Department Division
Kepala Departemen Anti Money Laundering (AML), Counter Terorist Financing (CTF) & Weapon Mass
Destruction (WMD)
Chairul Bahri
Head of Anti Money-Laundering (AML), Counter-Terrorist Financing (CTF) & Weapon Mass Destruction
(WMD)
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 81
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Profil Perusahaan
Company Profile
Pendidikan dan/atau Pelatihan Pejabat Education and/or Training of Executive
Eksekutif Officers
Nama Materi
Name Material
Muhammad Rakhmadhani 1. Asia Immersive Web3 Festival (oleh Coinvestasi); 1. Asia Immersive Web3 Festival (by Coinvestasi);
Senior Executive Vice 2. Aspek Hukum dan Dokumen Pembukaan Rekening 2. Legal Aspects and Documents for Opening a Company
President of Change Perusahaan (oleh Bank Victoria); Account (by Bank Victoria);
Management Office 3. Expert Sharing Outlook Banking Regulation (oleh 3. Expert Sharing Outlook Banking Regulation (by the
Lembaga Pengembangan Perbankan Indonesia); Indonesian Banking Development Institute);
4. Expert Sharing Session - Keuangan Berkelanjutan (oleh 4. Expert Sharing Session - Sustainable Finance (by
Otoritas Jasa Keuangan Institute); Otoritas Jasa Keuangan Institute);
5. Governance, Risk, & Compliance (oleh Bank Victoria); 5. Governance, Risk, & Compliance (by Bank Victoria);
6. HPE CIC Storage (oleh Hewlett Packard Enterprise); 6. HPE CIC Storage (by Hewlett Packard Enterprise);
7. Outlook Banking Regulation: Tantangan Industri 7. Outlook Banking Regulation: Banking Industry
Perbankan, Arah Regulasi, dan Future Banking (oleh Challenges, Regulatory Direction, and Future Banking
Lembaga Pengembangan Perbankan Indonesia); (by the Indonesian Banking Development Institute);
8. Philosophy that Flows in My Soul (oleh Bank Victoria); 8. Philosophy that Flows in My Soul (by Bank Victoria);
9. Anti Fraud Management for Leaders Batch 2 (oleh 9. Anti Fraud Management for Leaders Batch 2 (by
PT Kanatta Daya Indonesia); dan PT Kanatta Daya Indonesia); and
10. Refreshment Pencegahan Tidak Pidana Pencucian 10. Refreshment of Prevention of Crimes of Money
Uang, Pencegahan Pendanaan Terorisme dan Laundering, Counter-Terrorist Financing, and Counter-
Pencegahan Pendanaan Proliferasi Senjata Pemusnah Proliferation Financing of Weapons of Mass Destruction
Massal berdasarkan Peraturan Otoritas Jasa Keuangan based on Financial Services Authority Regulation No. 8
No. 8 Tahun 2023 (oleh PT Andara Sarana). of 2023 (by PT Andara Sarana).
Yohanes 1. Aspek Hukum dan Dokumen Pembukaan Rekening 1. Legal Aspects and Documents for Opening a Company
Senior Executive Vice Perusahaan (oleh Bank Victoria); Account (by Bank Victoria);
President of Operations & 2. Expert Sharing Outlook Banking Regulation (oleh 2. Expert Sharing Outlook Banking Regulation (by the
International Banking Lembaga Pengembangan Perbankan Indonesia); Indonesian Banking Development Institute);
3. Expert Sharing Session - Keuangan Berkelanjutan (oleh 3. Expert Sharing Session - Sustainable Finance (by
Otoritas Jasa Keuangan Institute); Otoritas Jasa Keuangan Institute);
4. Governance, Risk, and Compliance (oleh Bank Victoria); 4. Governance, Risk, and Compliance (by Bank Victoria);
5. Meningkatkan Kolaborasi Perbankan dalam Rangka 5. Increasing Banking Collaboration in the Context
Pencegahan dan Pemberantasan Tindak Pidana of Preventing and Eradicating the Crime of Money
Pencucian Uang dalam Penyelengaraan Pemilihan Laundering in Organizing General Elections
Umum dan Pemilihan Kepala Daerah yang Berintegritas and Regional Head Elections with Integrity and
serta Akuntabel (oleh Forum Komunikasi Direktur Accountability (by Communication Forum for Director
Kepatuhan); of Banking Compliance);
6. Outlook Banking Regulation: Tantangan Industri 6. Outlook Banking Regulation: Banking Industry
Perbankan, Arah Regulasi, dan Future Banking Challenges, Regulatory Direction, and Future Banking
(oleh Lembaga Pengembangan Perbankan Indonesia); (by the Indonesian Banking Development Institute);
7. Refreshment Tindak Pidana Pencucian Uang dan 7. Refreshment of Crimes of Money Laundering and
Pendanan Proliferasi Senjata Pemusnah Massal Counter-Proliferation Financing of Weapons of Mass
berdasarkan Peraturan Otoritas Jasa Keuangan No. 8 Destruction based on Financial Services Authority
Tahun 2023 (oleh PT Andara Sarana); Regulation No. 8 of 2023 (by PT Andara Sarana);
8. Sertifikasi Sistem Pembayaran dan Pengelolaan Uang 8. Payment System Certification and Rupiah Money
Rupiah (SPPUR) Transfer Dana Jenjang Eksekutif Management (SPPUR) Fund Transfer in Executive Level
(oleh Lembaga Sertifikasi Profesi Perbankan); (by Banking Professional Certification Institute);
9. Sharing Session Kepala Operasional (oleh 9. Sharing Session of the Head of Operations
Bank Victoria); (by Bank Victoria);
10. Team Building dan Outbond: Together We Growth 10. Team Building and Outbound: Together We Grow
(oleh Bank Victoria); dan (by Bank Victoria); and
11. Anti Fraud Management for Leaders Batch 2 11. Anti Fraud Management for Leaders Batch 2
(oleh PT Kanatta Daya Indonesia). (by PT Kanatta Daya Indonesia).
Mira Christiana 1. Expert Sharing Outlook Banking Regulation (oleh 1. Expert Sharing Outlook Banking Regulation
Senior Executive Vice Lembaga Pengembangan Perbankan Indonesia); (by the Indonesian Banking Development Institute);
President of Business 2. Expert Sharing Session - Keuangan Berkelanjutan (oleh 2. Expert Sharing Session - Sustainable Finance
Otoritas Jasa Keuangan Institute); (by Otoritas Jasa Keuangan Institute);
3. Governance, Risk, & Compliance (oleh Bank Victoria); 3. Governance, Risk, & Compliance (by Bank Victoria);
4. Outlook Banking Regulation: Tantangan Industri 4. Outlook Banking Regulation: Banking Industry
Perbankan, Arah Regulasi, dan Future Banking (oleh Challenges, Regulatory Direction, and Future Banking
Lembaga Pengembangan Perbankan Indonesia); (by the Indonesian Banking Development Institute);
5. Philosophy that Flows in My Soul (oleh Bank Victoria); 5. Philosophy that Flows in My Soul (by Bank Victoria);
6. Urgensi Perpanjangan Kebijakan Restrukturisasi Kredit 6. Urgency for Extension of Credit Restructuring Policy
(oleh Lembaga Pengembangan Perbankan Indonesia); (by the Indonesian Banking Development Institute);
7. Anti Fraud Management for Leaders Batch 2 7. Anti Fraud Management for Leaders Batch 2
(oleh PT Kanatta Daya Indonesia); dan (by PT Kanatta Daya Indonesia); and
8. Refreshment Credit SME Segmentation (oleh 8. Refreshment of Credit SME Segmentation
Bank Victoria). (by Bank Victoria).
82 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Page 85
Nama Materi
Name Material
Suryadi 1. Undangan Sosialisasi Resolution Plan dan Premi 1. Invitation for Dissemination of Resolution Plan and
Senior Executive Vice Program Restrukturisasi Perbankan (PRP) (oleh Banking Restructuring Program (PRP) Premiums
President of Finance, Lembaga Penjamin Simpanan); (by Indonesia Deposit Insurance Corporation);
Accounting & Management 2. Expert Sharing Session - Keuangan Berkelanjutan (oleh 2. Expert Sharing Session - Sustainable Finance (by Otoritas
Information System Otoritas Jasa Keuangan Institute); dan Jasa Keuangan Institute); and
3. Induction Training Program (oleh Bank Victoria). 3. Induction Training Program (by Bank Victoria).
Purwono 1. Coaching and Sharing Kepala Operasional (oleh Bank 1. Coaching and Sharing of the Head of Operations
Kepala Divisi Victoria); (by Bank Victoria);
International Banking 2. Expert Sharing Outlook Banking Regulation (oleh 2. Expert Sharing Outlook Banking Regulation (by the
Head of International Lembaga Pengembangan Perbankan Indonesia); Indonesian Banking Development Institute);
Banking Division 3. Expert Sharing Session - Keuangan Berkelanjutan (oleh 3. Expert Sharing Session - Sustainable Finance (by
Otoritas Jasa Keuangan Institute); Otoritas Jasa Keuangan Institute);
4. Governance, Risk, and Compliance (oleh Bank Victoria); 4. Governance, Risk, and Compliance (by Bank Victoria);
5. Team Building dan Outbond: Together We Growth (oleh 5. Team Building and Outbound: Together We Grow (by
Bank Victoria); Bank Victoria);
6. Outlook Banking Regulation: Tantangan Industri 6. Outlook Banking Regulation: Banking Industry
Perbankan, Arah Regulasi, dan Future Banking (oleh Challenges, Regulatory Direction, and Future Banking
Lembaga Pengembangan Perbankan Indonesia); (by the Indonesian Banking Development Institute);
7. Outlook Industri Jasa Keuangan di Tahun 2023 (oleh 7. Financial Services Industry Outlook in 2023 (by Otoritas
Otoritas Jasa Keuangan Institute); Jasa Keuangan Institute);
8. Philosophy that Flows in My Soul (oleh Bank Victoria); 8. Philosophy that Flows in My Soul (by Bank Victoria);
9. Refreshment Pencegahan Tidak Pidana Pencucian 9. Refreshment of Prevention of Crimes of Money
Uang, Pencegahan Pendanaan Terorisme dan Laundering, Counter-Terrorist Financing, and Counter-
Pencegahan Pendanaan Proliferasi Senjata Pemusnah Proliferation Financing of Weapons of Mass Destruction
Massal berdasarkan Peraturan Otoritas Jasa Keuangan based on Financial Services Authority Regulation No. 8
No. 8 Tahun 2023 (oleh PT Andara Sarana); of 2023 (by PT Andara Sarana);
10. Sosialisasi Kebijakan Risk Register (oleh Bank Victoria); 10. Dissemination of Risk Register Policy (by Bank Victoria);
11. Embracing the Digital Era: Exploring SWIFT Updates 11. Embracing the Digital Era: Exploring SWIFT Updates
2023 (oleh Asosiasi SWIFT Indonesia); dan 2023 (by Indonesian SWIFT Association); and
12. Anti Fraud Management for Leaders Batch 3 12. Anti Fraud Management for Leaders Batch 3
(oleh PT Kanatta Daya Indonesia). (by PT Kanatta Daya Indonesia).
Ritayana 1. Equity and Bonds Market Outlook: Diskusi dan Update 1. Equity and Bonds Market Outlook: Discussion and
Kepala Divisi Treasury terkait Industri Reksa Dana (oleh PT Trimegah Sekuritas Updates of Mutual Fund Industry (by PT Trimegah
Head of Treasury Division Indonesia Tbk); Sekuritas Indonesia Tbk);
2. Expert Sharing Outlook Banking Regulation (oleh 2. Expert Sharing Outlook Banking Regulation (by the
Lembaga Pengembangan Perbankan Indonesia); Indonesian Banking Development Institute);
3. Expert Sharing Session - Keuangan Berkelanjutan (oleh 3. Expert Sharing Session - Sustainable Finance (by
Otoritas Jasa Keuangan Institute); Otoritas Jasa Keuangan Institute);
4. Governance, Risk, and Compliance (oleh Bank Victoria); 4. Governance, Risk, and Compliance (by Bank Victoria);
5. Kode Etik, Peraturan Perizinan Wakil Perantara 5. Code of Conduct, Licensing Regulations for Securities
Pedagang Efek (WPPE), Manajemen Risiko, Teknikal Broker-Dealer Representatives (WPPE), Risk
Analis, Obligasi, dan Sukuk (oleh Perkumpulan Profesi Management, Technical Analysis, Bonds, and Sukuk (by
Pasar Modal Indonesia); the Indonesian Capital Market Professional Association);
6. Market Insight (oleh Bank Indonesia); 6. Market Insight (by Bank Indonesia);
7. Team Building dan Outbond: Working Together in 7. Team Building and Outbound: Working Together in
Harmony (oleh Bank Victoria); Harmony (by Bank Victoria);
8. Outlook Banking Regulation: Tantangan Industri 8. Outlook Banking Regulation: Banking Industry
Perbankan, Arah Regulasi, dan Future Banking (oleh Challenges, Regulatory Direction, and Future Banking
Lembaga Pengembangan Perbankan Indonesia); (by the Indonesian Banking Development Institute);
9. Philosophy that Flows in My Soul (oleh Bank Victoria); 9. Philosophy that Flows in My Soul (by Bank Victoria);
10. Program Pendidikan Lanjutan Wakil Perantara 10. Advanced Education Program of Securities Broker
Pedagang Efek (WPPE) (oleh Perkumpulan Profesi Representative (WPPE) (by the Indonesian Capital
Pasar Modal Indonesia); Market Professional Association);
11. Refreshment Tindak Pidana Pencucian Uang dan 11. Refreshment of Crimes of Money Laundering and
Pendanaan Proliferasi Senjata Pemusnah Massal Counter-Proliferation Financing of Weapons of Mass
berdasarkan Peraturan Otoritas Jasa Keuangan No. 8 Destruction based on Financial Services Authority
Tahun 2023 (oleh PT Andara Sarana); Regulation No. 8 of 2023 (by PT Andara Sarana);
12. Tren Perbankan di Tahun 2023 (oleh Otoritas Jasa 12. Trends in Banking in 2023 (by Otoritas Jasa Keuangan
Keuangan Institute); dan Institute); and
13. Anti Fraud Management for Leaders Batch 2 13. Anti Fraud Management for Leaders Batch 2
(oleh PT Kanatta Daya Indonesia). (by PT Kanatta Daya Indonesia).
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 83
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Profil Perusahaan
Company Profile
Nama Materi
Name Material
Theresia Maria Dhewajani 1. Aspek Hukum dan Dokumen Pembukaan Rekening 1. Legal Aspects and Documents for Opening a Company
Kepala Divisi Operations & Perusahaan (oleh Internal Bank); Account (by Internal Bank);
Internal Control 2. Coaching & Sharing Kepala Operasional (oleh 2. Coaching & Sharing of the Head of Operations (by Bank
Head of Operations & Bank Victoria); Victoria);
Internal Control Division 3. Digital Culture Transformation (oleh Ruang Damai 3. Digital Culture Transformation (by Ruang Damai
Hening); Hening);
4. Expert Sharing Outlook Banking Regulation (oleh 4. Expert Sharing Outlook Banking Regulation (by the
Lembaga Pengembangan Perbankan Indonesia); Indonesian Banking Development Institute);
5. Expert Sharing Session – Keuangan Berkelanjutan (oleh 5. Expert Sharing Session – Finance (by Otoritas Jasa
Otoritas Jasa Keuangan Institute); Keuangan Institute);
6. Governance, Risk, dan Compliance (oleh Bank Victoria); 6. Governance, Risk, and Compliance (by Bank Victoria);
7. Meningkatkan Kolaborasi Perbankan dalam rangka 7. Increasing Banking Collaboration in the context
Pencegahan dan Pemberantasan Tindak Pidana of Preventing and Eradicating the Crime of Money
Pencucian Uang dalam Penyelengaraan Pemilihan Laundering in Organizing General Elections
Umum dan Pemilihan Kepala Daerah yang Berintegritas and Regional Head Elections with Integrity and
serta Akuntabel (oleh Forum Komunikasi Direktur Accountability (by Communication Forum for Director
Kepatuhan); of Banking Compliance);
8. Team Building dan Outbond: Together We Growth (oleh 8. Team Building and Outbound: Together We Grow (by
Bank Victoria); Bank Victoria);
9. Outlook Banking Regulation: Tantangan Industri 9. Outlook Banking Regulation: Banking Industry
Perbankan, Arah Regulasi, dan Future Banking (oleh Challenges, Regulatory Direction, and Future Banking
Lembaga Pengembangan Perbankan Indonesia); (by the Indonesian Banking Development Institute);
10. Philosophy that Flows in My Soul (oleh Bank Victoria); 10. Philosophy that Flows in My Soul (by Bank Victoria);
11. Sertifikasi Sistem Pembayaran dan Pengelolaan Uang 11. Payment System Certification and Rupiah Money
Rupiah (SPPUR) Transfer Dana Jenjang Eksekutif Management (SPPUR) Fund Transfer in Executive Level
(oleh Lembaga Sertifikasi Profesi Perbankan); (by Banking Professional Certification Institute);
12. Sharing Session Kepala Operasional (oleh Bank 12. Sharing Session of the Head of Operations
Victoria); (by Bank Victoria);
13. ISO 27001 - Sistem Manajemen Keamanan Informasi 13. ISO 27001 - Information Security Management Systems
(oleh Veda Praxis); (by Veda Praxis);
14. Anti Fraud Management for Leaders Batch 3 14. Anti Fraud Management for Leaders Batch 3
(oleh PT Kanatta Daya Indonesia); dan (by PT Kanatta Daya Indonesia); and
15. Refreshment Pencegahan Tidak Pidana Pencucian 15. Refreshment of Prevention of Crimes of Money
Uang, Pencegahan Pendanaan Terorisme dan Laundering, Counter-Terrorist Financing, and Counter-
Pencegahan Pendanaan Proliferasi Senjata Pemusnah Proliferation Financing of Weapons of Mass Destruction
Massal Berdasarkan Peraturan Otoritas Jasa Keuangan based on Financial Services Authority Regulation
No. 8 Tahun 2023 (oleh PT Andara Sarana). No. 8 of 2023 (by PT Andara Sarana).
Yosef Sudikbyo 1. Aspek Hukum dan Dokumen Pembukaan Rekening 1. Legal Aspects and Documents for Opening a Company
Kepala Divisi Perusahaan (oleh Bank Victoria); Account (by Bank Victoria);
Corporate Legal 2. Expert Sharing Outlook Banking Regulation (oleh 2. Expert Sharing Outlook Banking Regulation (by the
Head of Corporate Lembaga Pengembangan Perbankan Indonesia); Indonesian Banking Development Institute);
Legal Division 3. Expert Sharing Session – Keuangan Berkelanjutan (oleh 3. Expert Sharing Session – Finance (by Otoritas Jasa
Otoritas Jasa Keuangan Institute); Keuangan Institute);
4. Governance, Risk, and Compliance (oleh Bank Victoria); 4. Governance, Risk, and Compliance (by Bank Victoria);
5. Kupas Tuntas Peraturan Menteri Agraria No. 3 Tahun 5. Complete Explanation of Minister of Agrarian
2023 tentang Penerbitan Dokumen Elektronik untuk Regulation No. 3 of 2023 on Issuance of Electronic
Proses Pendaftaran Tanah (oleh Pengurus Wilayah Jawa Documents for the Land Registration Process (by the
Barat Ikatan Pejabat Pembuat Akta Tanah); West Java Regional Management of the Association of
Land Deed Officials);
6. Team Building dan Outbond: Working Together in 6. Team Building and Outbound: Working Together in
Harmony (oleh Bank Victoria); Harmony (by Bank Victoria);
7. Outlook Banking Regulation: Tantangan Industri 7. Outlook Banking Regulation: Banking Industry
Perbankan, Arah Regulasi, dan Future Banking (oleh Challenges, Regulatory Direction, and Future Banking
Lembaga Pengembangan Perbankan Indonesia); (by the Indonesian Banking Development Institute);
8. Philosophy that Flows in My Soul (oleh Bank Victoria); 8. Philosophy that Flows in My Soul (by Bank Victoria);
9. Anti Fraud Management for Leaders Batch 2 (oleh 9. Anti Fraud Management for Leaders Batch 2
PT Kanatta Daya Indonesia); dan (by PT Kanatta Daya Indonesia); and
10. Refreshment Pencegahan Tidak Pidana Pencucian 10. Refreshment of Prevention of Crimes of Money
Uang, Pencegahan Pendanaan Terorisme dan Laundering, Counter-Terrorist Financing, and Counter-
Pencegahan Pendanaan Proliferasi Senjata Pemusnah Proliferation Financing of Weapons of Mass Destruction
Massal berdasarkan Peraturan Otoritas Jasa Keuangan based on Financial Services Authority Regulation
No. 8 Tahun 2023 (oleh PT Andara Sarana). No. 8 of 2023 (by PT Andara Sarana).
84 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Page 87
Nama Materi
Name Material
Novita Indriyani 1. Bedah Kasus Putusan Kasasi Mahkamah Agung 1. Case Review of the Supreme Court’s Cassation
Kepala Divisi Credit Legal terhadap Notaris Hartono atas Gugatan Pemalsuan Decision against Notary Hartono regarding the
Head of Credit Legal Akta Jual Beli Saham (oleh Pengurus Pusat Ikatan Lawsuit for Forgery of Share Sale and Purchase Deeds
Division Notaris Indonesia); (by the Central Management of Indonesian Notary
Association);
2. Expert Sharing Outlook Banking Regulation (oleh 2. Expert Sharing Outlook Banking Regulation (by the
Lembaga Pengembangan Perbankan Indonesia); Indonesian Banking Development Institute);
3. Expert Sharing Session - Keuangan Berkelanjutan (oleh 3. Expert Sharing Session - Sustainable Finance
Otoritas Jasa Keuangan Institute); (by Otoritas Jasa Keuangan Institute);
4. Governance, Risk, and Compliance (oleh Bank Victoria); 4. Governance, Risk, and Compliance (by Bank Victoria);
5. Kupas Tuntas Peraturan Menteri Agraria No. 3 Tahun 5. Complete Explanation of Minister of Agrarian
2023 tentang Penerbitan Dokumen Elektronik untuk Regulation No. 3 of 2023 on Issuance of Electronic
Proses Pendaftaran Tanah (oleh Pengurus Wilayah Documents for the Land Registration Process (by the
Jawa Barat Ikatan Pejabat Pembuat Akta Tanah); West Java Regional Management of the Association of
Land Deed Officials);
6. Team Building dan Outbond: SQEW (oleh Bank Victoria); 6. Team Building and Outbound: SQEW (by Bank Victoria);
7. Outlook Banking Regulation: Tantangan Industri 7. Outlook Banking Regulation: Banking Industry
Perbankan, Arah Regulasi, dan Future Banking (oleh Challenges, Regulatory Direction, and Future Banking
Lembaga Pengembangan Perbankan Indonesia); (by the Indonesian Banking Development Institute);
8. Philosophy that Flows in My Soul (oleh Bank Victoria); 8. Philosophy that Flows in My Soul (by Bank Victoria);
dan and
9. Anti Fraud Management for Leaders Batch 3 9. Anti Fraud Management for Leaders Batch 3
(oleh PT Kanatta Daya Indonesia). (by PT Kanatta Daya Indonesia).
Teguh Trisno Pambudi 1. Expert Sharing Outlook Banking Regulation (oleh 1. Expert Sharing Outlook Banking Regulation (by the
Kepala Divisi Credit Risk Lembaga Pengembangan Perbankan Indonesia); Indonesian Banking Development Institute);
Review 2. Expert Sharing Session – Keuangan Berkelanjutan 2. Expert Sharing Session – Finance (by Otoritas Jasa
Head of Credit Risk Review (oleh Otoritas Jasa Keuangan Institute); Keuangan Institute);
Division 3. Governance, Risk, and Compliance (oleh Bank Victoria); 3. Governance, Risk, and Compliance (by Bank Victoria);
4. Team Building dan Outbond: Together We Growth (oleh 4. Team Building and Outbound: Together We Grow (by
Bank Victoria); Bank Victoria);
5. Outlook Banking Regulation: Tantangan Industri 5. Outlook Banking Regulation: Banking Industry
Perbankan, Arah Regulasi, dan Future Banking (oleh Challenges, Regulatory Direction, and Future Banking
Lembaga Pengembangan Perbankan Indonesia); (by the Indonesian Banking Development Institute);
6. Philosophy that Flows in My Soul (oleh Bank Victoria); 6. Philosophy that Flows in My Soul (by Bank Victoria);
7. Refreshment Pencegahan Tidak Pidana Pencucian 7. Refreshment of Prevention of Crimes of Money
Uang, Pencegahan Pendanaan Terorisme dan Laundering, Counter-Terrorist Financing, and Counter-
Pencegahan Pendanaan Proliferasi Senjata Pemusnah Proliferation Financing of Weapons of Mass Destruction
Massal berdasarkan Peraturan Otoritas Jasa Keuangan based on Financial Services Authority Regulation No. 8
No. 8 Tahun 2023 (oleh PT Andara Sarana); of 2023 (by PT Andara Sarana);
8. Sosialisasi Kebijakan Risk Register (oleh Bank Victoria); 8. Dissemination of Risk Register Policy (by Bank Victoria);
9. Urgensi Perpanjangan Kebijakan Restrukturisasi Kredit 9. Urgency for Extension of Credit Restructuring Policy
(oleh Lembaga Pengembangan Perbankan Indonesia); (by the Indonesian Banking Development Institute);
10. Anti Fraud Management for Leaders Batch 3 (oleh 10. Anti Fraud Management for Leaders Batch 3
PT Kanatta Daya Indonesia); (by PT Kanatta Daya Indonesia);
11. Sharing Session Loan Admin (oleh Bank Victoria); dan 11. Sharing Session of Loan Admin (by Bank Victoria); and
12. Refreshment Credit SME Segmentation (oleh 12. Refreshment of Credit SME Segmentation (by
Bank Victoria). Bank Victoria).
David Fisher Kusnadi 1. Expert Sharing Outlook Banking Regulation (oleh 1. Expert Sharing Outlook Banking Regulation (by the
Kepala Divisi SME & Lembaga Pengembangan Perbankan Indonesia); Indonesian Banking Development Institute);
Consumer Banking 2. Expert Sharing Session - Keuangan Berkelanjutan (oleh 2. Expert Sharing Session - Sustainable Finance
Head of SME & Consumer Otoritas Jasa Keuangan Institute); (by Otoritas Jasa Keuangan Institute);
Banking Division 3. Governance, Risk, and Compliance (oleh Bank Victoria); 3. Governance, Risk, and Compliance (by Bank Victoria);
4. Outlook Banking Regulation: Tantangan Industri 4. Outlook Banking Regulation: Banking Industry
Perbankan, Arah Regulasi, dan Future Banking (oleh Challenges, Regulatory Direction, and Future Banking
Lembaga Pengembangan Perbankan Indonesia); (by the Indonesian Banking Development Institute);
5. Philosophy that Flows in My Soul (oleh Bank Victoria); 5. Philosophy that Flows in My Soul (by Bank Victoria);
6. Refreshment Tindak Pidana Pencucian Uang dan 6. Refreshment of Crimes of Money Laundering and
Pendanan Proliferasi Senjata Pemusnah Massal Counter-Proliferation Financing of Weapons of Mass
berdasarkan Peraturan Otoritas Jasa Keuangan No. 8 Destruction based on Financial Services Authority
Tahun 2023 (oleh PT Andara Sarana); Regulation No. 8 of 2023 (by PT Andara Sarana);
7. Urgensi Perpanjangan Kebijakan Restrukturisasi Kredit 7. Urgency for Extension of Credit Restructuring Policy
(oleh Lembaga Pengembangan Perbankan Indonesia); (by the Indonesian Banking Development Institute);
8. Anti Fraud Management for Leaders Batch 2 (oleh 8. Anti Fraud Management for Leaders Batch 2
PT Kanatta Daya Indonesia); dan (by PT Kanatta Daya Indonesia); and
9. Refreshment Credit SME Segmentation (oleh 9. Refreshment of Credit SME Segmentation
Bank Victoria). (by Bank Victoria).
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 85
Page 88
Profil Perusahaan
Company Profile
Nama Materi
Name Material
Lanny Triwardhani 1. Induction Program (oleh Bank Victoria); 1. Induction Program (by Bank Victoria);
Kepala Divisi Branch 2. Philosophy that Flows in My Soul (oleh Bank Victoria); 2. Philosophy that Flows in My Soul (by Bank Victoria);
Banking Network & 3. Bank Victoria Mendukung Penuh Pemerintah dalam 3. Bank Victoria Fully Supports the Government in the
Digital Sales Mencegah Anti Pencucian Uang dan Pendanaan Prevention of Anti Money-Laundering and Counter-
Head of Branch Banking Terorisme (APU dan PPT) (oleh PT Andara Sarana); Terrorist Financing (AML and CFT) (by PT Andara Sarana);
Network & Digital Sales 4. Expert Sharing Outlook Banking Regulation (oleh 4. Expert Sharing Outlook Banking Regulation (by the
Division Lembaga Pengembangan Perbankan Indonesia); Indonesian Banking Development Institute);
5. Anti Fraud Management for Leaders Batch 2 (oleh 5. Anti Fraud Management for Leaders Batch 2
PT Kanatta Daya Indonesia); (by PT Kanatta Daya Indonesia);
6. Sosialisasi Kebijakan Risk Register (oleh Bank Victoria); 6. Dissemination of Risk Register Policy (by Bank Victoria);
dan and
7. Expert Sharing Session - Keuangan Berkelanjutan (oleh 7. Expert Sharing Session – Sustainable Finance
Otoritas Jasa Keuangan Institute). (by Otoritas Jasa Keuangan Institute).
Andri Ramunanda 1. Outlook Banking Regulation: Tantangan Industri 1. Outlook Banking Regulation: Banking Industry
Kepala Divisi Loan & Trade Perbankan, Arah Regulasi, dan Future Banking Challenges, Regulatory Direction, and Future Banking
Operations (oleh Lembaga Pengembangan Perbankan Indonesia); (by the Indonesian Banking Development Institute);
Head of Loan & Trade 2. Bank Victoria Mendukung Penuh Pemerintah dalam 2. Bank Victoria Fully Supports the Government in
Operations Division Mencegah Anti Pencucian Uang dan Pendanaan the Prevention of Anti Money-Laundering and
Terorisme (APU dan PPT) (oleh PT Andara Sarana); Counter-Terrorist Financing (AML and CFT)
(by PT Andara Sarana);
3. Expert Sharing Outlook Banking Regulation (oleh 3. Expert Sharing Outlook Banking Regulation (by the
Lembaga Pengembangan Perbankan Indonesia); Indonesian Banking Development Institute);
4. Anti Fraud Management for Leaders Batch 3 4. Anti Fraud Management for Leaders Batch 3
(oleh PT Kanatta Daya Indonesia); (by PT Kanatta Daya Indonesia);
5. Sharing Session Loan Admin (oleh Bank Victoria); 5. Sharing Session of Loan Admin (by Bank Victoria);
6. Sosialisasi Kebijakan Risk Register (oleh Bank Victoria); 6. Dissemination of Risk Register Policy (by Bank Victoria);
7. Expert Sharing Session - Keuangan Berkelanjutan (oleh 7. Expert Sharing Session - Sustainable Finance
Otoritas Jasa Keuangan Institute); dan (by Otoritas Jasa Keuangan Institute); and
8. Induction Training Program (oleh Bank Victoria). 8. Induction Training Program (by Bank Victoria).
Sonny Andryano 1. Outlook Banking Regulation: Tantangan Industri 1. Outlook Banking Regulation: Banking Industry
Kepala Divisi Special Perbankan, Arah Regulasi, dan Future Banking (oleh Challenges, Regulatory Direction, and Future Banking
Assets Management Lembaga Pengembangan Perbankan Indonesia); (by the Indonesian Banking Development Institute);
Head of Special Assets 2. Bank Victoria Mendukung Penuh Pemerintah dalam 2. Bank Victoria Fully Supports the Government in the
Management Division Mencegah Anti Pencucian Uang dan Pendanaan Prevention of Anti Money-Laundering and Counter-
Terorisme (APU dan PPT) (oleh PT Andara Sarana); Terrorist Financing (AML and CFT) (by PT Andara
Sarana);
3. Expert Sharing Outlook Banking Regulation (oleh 3. Expert Sharing Outlook Banking Regulation
Lembaga Pengembangan Perbankan Indonesia); (by the Indonesian Banking Development Institute);
4. Anti Fraud Management for Leaders Batch 3 (oleh 4. Anti Fraud Management for Leaders Batch 3
PT Kanatta Daya Indonesia); (by PT Kanatta Daya Indonesia);
5. Expert Sharing Session - Keuangan Berkelanjutan (oleh 5. Expert Sharing Session - Sustainable Finance
Otoritas Jasa Keuangan Institute); dan (by Otoritas Jasa Keuangan Institute); and
6. Induction Training Program (oleh Bank Victoria). 6. Induction Training Program (by Bank Victoria).
Bambang F. Triatmojo 1. Urgensi Perpanjangan Kebijakan Restrukturisasi Kredit 1. Urgency for Extension of Credit Restructuring Policy
Wakil Kepala Departemen (oleh Lembaga Pengembangan Perbankan Indonesia); (by the Indonesian Banking Development Institute);
Credit Monitoring & 2. Philosophy that Flows in My Soul (oleh Bank Victoria); 2. Philosophy that Flows in My Soul (by Bank Victoria);
Collection 3. Governance, Risk, and Compliance (oleh Bank Victoria); 3. Governance, Risk, and Compliance (by Bank Victoria);
Vice Head of Credit 4. Liquidity Coverage Ratio (LCR) dan Net Stable Funding 4. Liquidity Coverage Ratio (LCR) and Net Stable Funding
Monitoring & Collection Ration (NSFR), Peraturan Otoritas Jasa Keuangan Ration (NSFR), Financial Services Authority Regulation
Department No. 42/POJK.03/2015 dan Peraturan Otoritas No. 42/POJK.03/2015 and Financial Services Authority
Jasa Keuangan No. 50/POJK.03/2017 (oleh Risiko Regulation No. 50/POJK.03/2017 (by Risk Management
Manajemen Gagasan); Guard);
5. Outlook Banking Regulation: Tantangan Industri 5. Outlook Banking Regulation: Banking Industry
Perbankan, Arah Regulasi, dan Future Banking (oleh Challenges, Regulatory Direction, and Future Banking
Lembaga Pengembangan Perbankan Indonesia); (by the Indonesian Banking Development Institute);
6. Expert Sharing Outlook Banking Regulation (oleh 6. Expert Sharing Outlook Banking Regulation (by the
Lembaga Pengembangan Perbankan Indonesia); Indonesian Banking Development Institute);
7. Anti Fraud Management for Leaders Batch 3 7. Anti Fraud Management for Leaders Batch 3
(oleh PT Kanatta Daya Indonesia); (by PT Kanatta Daya Indonesia);
8. Refreshment Pencegahan Tidak Pidana Pencucian 8. Refreshment of Prevention of Crimes of Money
Uang, Pencegahan Pendanaan Terorisme dan Laundering, Counter-Terrorist Financing, and Counter-
Pencegahan Pendanaan Proliferasi Senjata Pemusnah Proliferation Financing of Weapons of Mass Destruction
Massal berdasarkan Peraturan Otoritas Jasa Keuangan based on Financial Services Authority Regulation No. 8
No. 8 Tahun 2023 (oleh PT Andara Sarana); of 2023 (by PT Andara Sarana);
9. Sosialisasi Kebijakan Risk Register (oleh Bank Victoria); 9. Dissemination of Risk Register Policy (by Bank Victoria);
dan and
10. Expert Sharing Session - Keuangan Berkelanjutan (oleh 10. Expert Sharing Session – Sustainable Finance (by
Otoritas Jasa Keuangan Institute). Otoritas Jasa Keuangan Institute).
86 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Nama Materi
Name Material
Chairul Bahri 1. Governance, Risk, and Compliance (oleh Bank Victoria); 1. Governance, Risk, and Compliance (by Bank Victoria);
Kepala Departemen Anti 2. Meningkatkan Kolaborasi Perbankan dalam Rangka 2. Increasing Banking Collaboration in the Context
Money Laundering (AML), Pencegahan dan Pemberantasan Tindak Pidana of Preventing and Eradicating the Crime of Money
Counter Terorist Financing Pencucian Uang dalam Penyelengaraan Pemilihan Laundering in Organizing General Elections
(CTF) & Weapon Mass Umum dan Pemilihan Kepala Daerah yang Berintegritas and Regional Head Elections with Integrity and
Destruction (WMD) serta Akuntabel (oleh Forum Komunikasi Direktur Accountability (by Communication Forum for Director
Kepatuhan); of Banking Compliance);
Head of Anti Money- 3. Team Building dan Outbond: Change the Future 3. Team Building and Outbound: Change the Future (by
Laundering (AML), (oleh Bank Victoria); Bank Victoria);
Counter-Terrorist 4. Philosophy that Flows in My Soul (oleh Bank Victoria); 4. Philosophy that Flows in My Soul (by Bank Victoria);
Financing (CFT) & Weapon 5. Refreshment Pencegahan Tidak Pidana Pencucian 5. Refreshment of Prevention of Crimes of Money
Mass Destruction (WMD) Uang, Pencegahan Pendanaan Terorisme dan Laundering, Counter-Terrorist Financing, and Counter-
Pencegahan Pendanaan Proliferasi Senjata Pemusnah Proliferation Financing of Weapons of Mass Destruction
Massal berdasarkan Peraturan Otoritas Jasa Keuangan based on Financial Services Authority Regulation
No. 8 Tahun 2023 (oleh PT Andara Sarana); No. 8 of 2023 (by PT Andara Sarana);
6. Anti Fraud Management for Leaders Batch 3 6. Anti Fraud Management for Leaders Batch 3
(oleh PT Kanatta Daya Indonesia); dan (by PT Kanatta Daya Indonesia); and
7. Penyusunan Individual Risk Assessment (IRA) sesuai 7. Preparation of Individual Risk Assessment (IRA)
Peraturan Otoritas Jasa Keuangan No. 8 Tahun 2023 in accordance with Financial Services Authority
terkait Anti Pencucian Uang dan Pendanaan Terorisme Regulation No. 8 of 2023 on Anti-Money Laundering
(APU dan PPT) (oleh Equivalent Training Center). and Counter-Terrorist Financing (AML and CFT)
(by Equivalent Training Center).
Profil Kepala Kantor Cabang Utama
Profile of Main Branch Office Head
I Gusti Putu Sindara Sas- Theresia Sri Pakarti
Jane Alexandra Herman
Kepala KCU BIP
trawan Kepala KCU Bandung
Kepala KCU Bali Head of Bandung Main Branch
Head of BIP Main Branch Office
Head of Bali Main Branch Office Office
Amelia Dedy Kurnia Santosa
Rosita B. Rajaisun Kepala KCU Fatmawati
Kepala KCU Cideng
Kepala KCU Bogor Head of Fatmawati Main Branch
Head of Cideng Main Branch
Head of Bogor Main Branch Office Office
Office
Armand Kusuma Tony Utomo Daisy Merry Natalia Frederik
Kepala KCU Kelapa Gading Kepala KCU Makassar Kepala KCU Manado
Head of Kelapa Gading Main Head of Makassar Main Branch Head of Manado Main Branch
Branch Office Office Office
Tjoe Dedy Himawan Franky Lazuardi
Wiwi Candra
Kepala KCU Semarang Kepala KCU Senayan
Kepala KCU Medan
Head of Semarang Main Branch Head of Senayan Main Branch
Head of Medan Main Branch Office
Office Office
Erli Nornawati
Febyra Asia Rini
Kepala KCU Surabaya
Kepala KCU Solo
Head of Surabaya Main Branch
Head of Solo Main Branch Office
Office
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 87
Page 90
Profil Perusahaan
Company Profile
Komposisi Pemegang Saham
Shareholders Composition
31 Desember 2023 1 Januari 2023
31 December 2023 1 January 2023
Total Saham Total Saham
Uraian Kepemilikan Kepemilikan
(Lembar (Lembar
Desciption Saham Saham
Saham) Total Saham) Total
Share Share
Total Shares (Rp) Total Shares (Rp)
Ownership Ownership
(Number of (Number of
(%) (%)
Shares) Shares)
Saham dengan Sertifikat Kolektif / Shares with Collective Certificates
Pemegang Saham Pendiri
- - - - - -
Founders Shares
Masyarakat
Public
Pemodal Nasional
National Investor
5% atau lebih
5% or more - - - - - -
Lainnya
Others 1,165,500 0.01 116,550,000 1,165,500 0.01 116,550,000
Pemodal Asing
Foreign Investors
5% atau lebih
5% or more - - - - - -
Lainnya
Others 24,500 0.00 2,450,000 24,500 0.00 2,450,000
Sub Total 1,190,000 0.01 119,000,000 1,190,000 0.01 119,000,000
Saham dengan Penitipan Kolektif PT Kustodian Sentral Efek Indonesia / Shares in Collective Custody with PT Kustodian Sentral Efek Indonesia
Pemegang Saham Pendiri
Founders Shares
PT Nata Patindo 48,823,665 0.31 4,882,366,500 48,823,665 0.31 4,882,366,500
Masyarakat
Public
Pemodal Nasional
National Investor
5% atau lebih
5% or more
Suzanna Tanojo 3,066,411,303 19.35 306,641,130,300 3,066,411,303 19.35 306,641,130,300
PT Victoria Investama Tbk 7,010,537,747 44.24 701,053,774,700 6,880,162,747 43.41 688,016,274,700
Lainnya
3,464,036,873 21.86 346,403,687,300 3,358,963,409 21.19 335,896,340,900
Others
Pemodal Asing
Foreign Investors
5% atau lebih
5% or more
Chemical Asia
- - - 871,275,600 5.50 87,127,560,000
Corporation Pte Ltd
Lainnya
2,257,236,190 14.24 225,723,619,000 1,621,407,990 10.23 162,140,799,000
Others
Sub Total 15,847,045,778 99.99 1,584,704,577,800 15,847,044,714 99.99 1,584,704,471,400
Total 15,848,235,778 100.00 1,584,823,577,800 15,848,234,714 100.00 1,584,823,471,400
88 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Komposisi Pemegang Saham yang Memiliki 5%
atau Lebih Saham
Composition of Shareholders with 5% or More Shares
31 Desember 2023 1 Januari 2023
31 December 2023 1 January 2023
Uraian Total Saham Kepemilikan Total Saham Kepemilikan
Desciption (Lembar Saham) Saham (Lembar Saham) Saham
Total Shares Share Ownership Total Shares Share Ownership
(Number of Shares) (%) (Number of Shares) (%)
PT Victoria Investama Tbk 7,010,537,747 44.24 6,880,162,747 43.41
Suzanna Tanojo 3,066,411,303 19.35 3,066,411,303 19.35
Chemical Asia Corporation Pte Ltd -* -* 871,275,600 5.50
Total 10,076,949,050 63.58 10,817,849,650 68.26
* Per 31 Desember 2023, kepemilikan saham kurang dari 5%. / As of 31 December 2023, share ownership was less than 5%.
Kepemilikan Saham Langsung dan Tidak
Langsung atas Saham Bank Victoria oleh Anggota
Dewan Komisaris dan Direksi
Direct and Indirect Share Ownership of Bank Victoria’s Shares by Members
of Board of Commissioners and Board of Directors
Pada awal dan akhir tahun 2023, seluruh anggota Dewan At the beginning and end of 2023, all serving members of the
Komisaris dan Direksi yang menjabat tidak memiliki saham baik Board of Commissioners and Board of Directors did not own any
secara langsung ataupun tidak langsung di Bank Victoria. shares, either directly or indirectly, in Bank Victoria.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 89
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Profil Perusahaan
Company Profile
Komposisi Pemegang Saham Masyarakat dengan
Kepemilikan Saham Masing-Masing Kurang dari 5%
Composition of Public Shareholders with Share Ownership of Less
than 5% Each
31 Desember 2023 1 Januari 2023
31 December 2023 1 January 2023
Total Saham
Total Saham Kepemilikan Kepemilikan
Uraian (Lembar Desciption
(Lembar Saham) Saham Saham
Saham)
Total Shares Share Share
Total Shares
(Number of Ownership Ownership
(Number of
Shares) (%) (%)
Shares)
Pemodal Nasional / National Investors
Perorangan 1,300,561,817 8.21 1,308,699,563 8.26 Individuals
Perseroan Terbatas 1,611,822,654 10.17 1,208,111,454 7.62 Limited Liability Companies
Asuransi 281,340,000 1.78 281,340,000 1.78 Insurance
Reksa Dana 15,000 0.00 15,000 0.00 Mutual Funds
Broker 320,286,567 2.02 610,786,557 3.85 Broker
Pemodal Asing / Foreign Investors
Perorangan 245,660,115 1.55 242,444,415 1.53 Individuals
Institusi Asing 2,011,600,575 12.69 1,378,988,075 8.70 Foreign Institutions
Total 5,771,286,728 36.42 5,030,385,064 31.74 Total
Komposisi Pemegang Saham Berdasarkan Status
Kepemilikan
Shareholders Composition by Ownership Status
31 Desember 2023 1 Januari 2023
31 December 2023 1 January 2023
Total Saham Total Saham
Uraian Kepemilikan Kepemilikan
(Lembar (Lembar Desciption
Saham Total Saham
Saham) Saham) Total
Share Investor Share
Total Shares Total Shares Investor
Ownership Ownership
(Number of (Number of
(%) (%)
Shares) Shares)
Scriptless
Pemodal Nasional National Investors
Perorangan 4,365,911,120 27.55 7,862 4,374,048,866 27.60 9,268 Individuals
Limited Liability
Perseroan Terbatas 8,622,359,901 54.41 30 8,088,273,701 51.04 31
Companies
Broker 320,286,567 2.02 7 610,786,557 3.85 6 Broker
Asuransi 281,252,000 1.77 3 281,252,000 1.77 3 Insurance
90 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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31 Desember 2023 1 Januari 2023
31 December 2023 1 January 2023
Total Saham Total Saham
Uraian Kepemilikan Kepemilikan
(Lembar (Lembar Desciption
Saham Total Saham
Saham) Saham) Total
Share Investor Share
Total Shares Total Shares Investor
Ownership Ownership
(Number of (Number of
(%) (%)
Shares) Shares)
Pemodal Asing Foreign Investors
Perorangan 245,635,615 1.55 10 242,419,915 1.53 11 Individual
Institusi Asing 2,011,600,575 12.69 21 2,250,263,675 14.20 20 Foreign Institutions
Script
Pemodal Nasional National Investors
Perorangan 1,062,000 0.01 132 1,062,000 0.01 132 Individuals
Limited Liability
Perseroan Terbatas 500 0.00 1 500 0.00 1
Companies
Reksa Dana 15,000 0.00 1 15,000 0.00 1 Mutual Fund
Asuransi 88,000 0.00 3 88,000 0.00 3 Insurance
Pemodal Asing Foreign Investors
Perorangan 24,500 0.00 7 24,500 0.00 7 Individual
Institusi Asing - - - - - - Foreign Institutions
Total 15,848,235,778 100.00 8,077 15,848,234,714 100.00 9,483 Total
Struktur Pemegang Saham Utama dan Pengendali
Main and Controlling Shareholders Structure
Masyarakat/Pemegang
Saham <5% PT Nata Patindo Suzanna Tanojo PT Victoria Investama Tbk
Public/Shareholders <5%
36.11% 0.31% 19.35%
44.24% 80.19% 72.95% 99.50% 99.33% 95.00% 99.99%
PT Bank PT Victoria PT Victoria PT Victoria PT Victoria
PT Bank Victoria PT Sumber
Victoria Insurance Sekuritas Alife Manajemen
International Tbk Daya Sakti
Syariah Tbk Indonesia Indonesia Investasi
19.81%
Berdasarkan struktur Pemegang Saham Utama dan Pengendali Based on Main and Controlling Shareholders structure of the
Bank, PT Victoria Investama Tbk merupakan Pemegang Saham Bank, PT Victoria Investama Tbk is the Company’s Controlling
Pengendali Perseroan, sedangkan penerima manfaat akhir Shareholder, while the ultimate beneficiary is Suzanna Tanojo.
adalah Suzanna Tanojo.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 91
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Profil Perusahaan
Company Profile
Infomasi Entitas Anak, Perusahaan Asosiasi,
Perusahaan Ventura Bersama, dan Special
Purpose Vehicle
Information on Subsidiaries, Associated Entities, Joint Venture
Companies, and Special Purpose Vehicles
Pada tahun 2023, Bank Victoria tidak memiliki Entitas Anak, In 2023, Bank Victoria did not have any Subsidiary, joint venture
perusahaan ventura bersama, dan special purpose vehicle, company, and special purpose vehicle, but had 1 Associated
namun memiliki 1 Entitas Asosiasi. Informasi terkait Entitas Entity. Information on the Bank’s Associated Entity is described
Asosiasi Bank diuraikan sebagai berikut. as follows.
PT Bank Victoria Syariah
Alamat Gedung Graha BIP Lt. 5
Address Jl. Gatot Subroto Kav. 23
Karet Semanggi, Setiabudi
Jakarta Selatan 12930
T : (021) 5600 467
(021) 5225 285 (Hunting)
F : (021) 5664 247
E : corsec@bankvictoriasyariah.co.id
W : www.bankvictoriasyariah.co.id
Bidang Usaha Perbankan Syariah
Line of Businwess Sharia Banking
Tahun Beroperasi Beroperasi sejak 1966
Year of Operations Has been in operation since 1966
Domisili
Jakarta
Domicile
Total Aset (dalam juta Rupiah)
3,082,279
Total Assets (in million Rupiah)
Kepemilikan Saham (%)
19.81
Share Ownership (%)
92 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Kronologi Pencatatan Saham
Chronology of Share Listing
Kronologi pencatatan saham Bank Victoria yang dimulai sejak The chronology of Bank Victoria’s share listing from the Initial
Penawaran Umum Perdana Saham sampai dengan tanggal Public Offering to 31 December 2023 is described as follows:
31 Desember 2023 diuraikan sebagai berikut:
Jumlah Saham Jumlah Saham
yang Beredar
Nilai Harga
Tanggal Diterbitkan (Lembar Saham)
Nominal Penawaran
Uraian Pelaksanaan (Lembar Saham) Total
Nominal Offering
Description Exercise Total Issued Outstanding
Value Price
Date Shares Shares
(Rp) (Rp)
(Number of (Number of
Shares) Shares)
Saham Pendiri
250,000,000 100 - 250,000,000
Founders’ Shares
Saham dari Kapitalisasi Saldo Laba
34,000,000 100 - 284,000,000
Shares from Capitalization of Retained Earnings
Penawaran Umum Perdana Saham
1999 250,000,000 100 100 534,000,000
Initial Public Offering
Penawaran Umum Terbatas I dengan Hak Memesan Efek
Terlebih Dahulu 2000 100,000,000 100 115 634,000,000
Limited Public Offering I with Preemptive Rights
Pelaksanaan Waran Seri I dan II
2002 66,793,400 100 - 700,793,400
Exercise of Series I and II Warrants
Penawaran Umum Terbatas II dengan Hak Memesan Efek
Terlebih Dahulu 2003 400,000,000 100 100 1,100,793,400
Limited Public Offering II with Preemptive Rights
Pelaksanaan Waran Seri III
2004 193,799,960 100 - 1,294,593,360
Exercise of Series III Warrants
Pelaksanaan Waran Seri III
2006 46,200,000 100 - 1,340,793,360
Exercise of Series III Warrants
Penawaran Umum Terbatas III dengan Hak Memesan Efek
Terlebih Dahulu 2006 670,363,760 100 100 2,011,157,120
Limited Public Offering III with Preemptive Rights
Pelaksanaan Waran Seri IV
2007 323,840,000 100 100 2,334,997,120
Exercise of Series IV Warrants
Penawaran Umum Terbatas IV dengan Hak Memesan Efek
Terlebih Dahulu 2008 1,167,498,560 100 100 3,502,495,680
Limited Public Offering IV with Preemptive Rights
Pelaksanaan Waran Seri IV dan V
2009 344,244,500 100 100 3,846,740,180
Exercise of Series IV and V Warrants
Pelaksanaan Waran Seri IV dan V
2010 249,707,135 100 100 4,096,447,315
Exercise of Series IV and V Warrants
Penawaran Umum Terbatas V dengan Hak Memesan Efek
Terlebih Dahulu 2011 1,954,919,259 100 100 6,051,366,574
Limited Public Offering V with Preemptive Rights
Penerbitan Saham Tanpa Hak Memesan Efek Terlebih Dahulu
2011 414,580,000 100 100 6,465,946,574
Issuance of Shares Without Preemptive Rights
Pelaksanaan Waran Seri IV dan VI
2011 81,724,314 100 100 6,547,670,888
Exercise of Series IV and VI Warrants
Pelaksanaan Waran Seri V dan VI
2012 56,673,554 100 100 6,604,344,442
Exercise of Series V and VI Warrants
Pelaksanaan Waran Seri V dan VI
2013 25,923,831 100 100 6,630,268,273
Exercise of Series V and VI Warrants
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 93
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Profil Perusahaan
Company Profile
Jumlah Saham Jumlah Saham
yang Beredar
Nilai Harga
Tanggal Diterbitkan (Lembar Saham)
Nominal Penawaran
Uraian Pelaksanaan (Lembar Saham) Total
Nominal Offering
Description Exercise Total Issued Outstanding
Value Price
Date Shares Shares
(Rp) (Rp)
(Number of (Number of
Shares) Shares)
Pelaksanaan Waran Seri VI
2014 508,898,707 100 100 7,139,166,980
Exercise of Series VI Warrants
Pelaksanaan Waran Seri VI
2015 300 100 100 7,139,167,280
Exercise of Series VI Warrants
Pelaksanaan Waran Seri VI
2016 751,486,547 100 100 7,890,653,827
Exercise of Series VI Warrants
Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu
2016 780,394,335 100 100 8,671,048,162
Capital Increase Without Preemptive Rights
Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu
2019 280,898,877 100 356 8,951,947,039
Capital Increase Without Preemptive Rights
Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu
2021 586,205,939 100 160 9,538,152,978
Capital Increase Without Preemptive Rights
Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu
2021 948,979,590 100 196 10,487,132,568
Capital Increase Without Preemptive Rights
Penambahan Modal dengan Hak Memesan Efek Terlebih Dahulu
2022 2,553,461,919 100 150 13,040,594,487
Capital Increase with Preemptive Rights
Penambahan Modal dengan Hak Memesan Efek Terlebih Dahulu
2022 2,807,640,227 100 150 15,848,234,714
Capital Increase with Preemptive Rights
Pelaksanaan Waran Seri VII
2023 1,064 100 100 15,848,235,778
Exercise of Series VII Warrants
Total Modal Saham yang Ditempatkan dan Disetor Penuh
15,848,235,778
Total Fully Issued and Paid-Up Share Capital
Keterangan: Seluruh penerbitan saham Bank Victoria dicatatkan pada Bursa Efek Indonesia.
Remark: All Bank Victoria share issuances are listed on Indonesia Stock Exchange.
Kronologi Pencatatan Efek Lainnya
Chronology of Other Securities Listing
Total Status Pembayaran
Peringkat Payment Status
(juta Tenor
Tingkat Suku Bunga Saat Peringkat
Uraian Rupiah) (Tahun) Tanggal Belum
Interest Rates Diterbitkan Terakhir
Description Total Tenure Date Lunas Lunas
(%) Ratings at Latest Ratings
(million (Year) Paid Not
Issuance
Rupiah) Paid
Obligasi Bank Victoria I Tahun 75,000 7 16.25 3 Maret 2000- BBB+ BBB+
2000 dengan tingkat suku 3 Maret 2007
bunga tetap Seri A 3 March 2000-
Bank Victoria Series A Bond I of 3 March 2007
2000 at fixed interest rate
Obligasi Bank Victoria I Tahun 25,000 7 16,00 (kupon bunga ke-1 3 Maret 2000- BBB+ BBB+
2000 dengan tingkat suku dan 2) serta mengambang 3 Maret 2007
bunga mengambang Seri B (kupon bunga ke-3 sampai 3 March 2000-
Bank Victoria Series B Bond I of ke-28) 3 March 2007
2000 at floating interest rate 16.00 (1st and 2nd interest
coupon) and floating (3rd to
28th interest coupon)
94 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Total Status Pembayaran
Peringkat Payment Status
(juta Tenor
Tingkat Suku Bunga Saat Peringkat
Uraian Rupiah) (Tahun) Tanggal Belum
Interest Rates Diterbitkan Terakhir
Description Total Tenure Date Lunas Lunas
(%) Ratings at Latest Ratings
(million (Year) Paid Not
Issuance
Rupiah) Paid
Obligasi Bank Victoria II Tahun 200,000 5 12.00 21 Maret 2007- A3.id A3.id
2007 dengan tingkat suku 21 Maret 2012 (setara A-. (setara A-.
bunga tetap 21 March 2007- Kasnic / equal Kasnic / equal to
Bank Victoria Bond II of 2007 at 21 March 2012 to A-. Kasnic) A-. Kasnic)
fixed interest rate
Obligasi Subordinasi Bank 200,000 10 12,50 (tahun ke-1 sampai 21 Maret 2007- Baa2.id (setara Baa2.id
Victoria I Tahun 2007 dengan ke-5) serta 21,50 (tahun 21 Maret 2017 BBB. Kasnic / (setara BBB.
tingkat suku bunga tetap ke-6 sampai ke-10) 21 March 2007- equal to BBB. Kasnic / equal to
Bank Victoria Subordinated 12.50 (1st year to 5th year) 21 March 2017 Kasnic) BBB. Kasnic)
Bond I of 2007 at fixed interest and 21.50 (6th year to
rate 10th year)
Obligasi Bank Victoria III Tahun 200,000 5 10.00 27 Juni 2012- idBBB+ idBBB+
2012 dengan tingkat suku 27 Juni 2017 (Triple B Plus) (Triple B Plus)
bunga tetap 27 June 2012-
Bank Victoria Bond III of 2012 at 27 June 2017
fixed interest rate
Obligasi Subordinasi Bank 300,000 7 11.00 27 Juni 2012- idBBB+ idBBB+
Victoria II Tahun 2012 dengan 27 Juni 2019 (Triple B Plus) (Triple B Plus)
tingkat suku bunga tetap 27 June 2012-
Bank Victoria Subordinated 27 June 2019
Bond II of 2012 at fixed interest
rate
Obligasi Bank Victoria IV Tahun 200,000 5 9.50 27 Juni 2013- idA- idA-
2013 dengan tingkat suku 27 Juni 2018 (Single A (Single A Minus)
bunga tetap 27 June 2013- Minus)
Bank Victoria Bond IV of 2013 at 27 June 2018
fixed interest rate
Obligasi Subordinasi Bank 300,000 7 10.50 27 Juni 2013- idBBB+ idBBB+
Victoria III Tahun 2013 dengan 27 Juni 2020 (Triple B Plus) (Triple B Plus)
tingkat suku bunga tetap 27 June 2013-
Bank Victoria Subordinated 27 June 2020
Bond III of 2013 at fixed interest
rate
Obligasi Berkelanjutan I Bank 300,000 5 10.30 11 Juli 2017- idA- idA-
Victoria Tahap I Tahun 2017 11 Juli 2022 (Single A (Single A Minus)
dengan tingkat suku bunga 11 July 2017- Minus)
tetap 11 July 2022
Bank Victoria Continuous Bond I
Phase I of 2017 at fixed interest
rate
Obligasi Subordinasi 50,000 7 11.00 11 Juli 2017- idBBB idBBB
Berkelanjutan I Bank Victoria 11 Juli 2024 (Triple B) (Triple B)
Tahap I Tahun 2017 dengan 11 July 2017-
tingkat suku bunga tetap 11 July 2024
Bank Victoria Continuous
Subordinated Bond I Phase I of
2017 at fixed interest rate
Obligasi Berkelanjutan I Bank 100,000 3 9.70 5 Juni 2018- idA- idA-
Victoria Tahap II Tahun 2018 5 Juni 2021 (Single A (Single A Minus)
dengan tingkat suku bunga 5 June 2018- Minus)
tetap Seri A 5 June 2021
Bank Victoria Series A
Continuous Bond I Phase II of
2018 at fixed interest rate
Obligasi Berkelanjutan I Bank 200,000 5 10.30 5 Juni 2018- idA- idA-
Victoria Tahap II Tahun 2018 5 Juni 2023 (Single A (Single A Minus)
dengan tingkat suku bunga 5 June 2018- Minus)
tetap Seri B 5 June 2023
Bank Victoria Series B
Continuous Bond I Phase II of
2018 at fixed interest rate
Obligasi Subordinasi 350,000 7 11.00 5 Juni 2018- idBBB idBBB
Berkelanjutan I Bank Victoria 5 Juni 2025 (Triple B) (Triple B)
Tahap II Tahun 2018 dengan 5 June 2018-
tingkat suku bunga tetap 5 June 2025
Bank Victoria Continuous
Subordinated Bond I Phase II of
2018 at fixed interest rate
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 95
Page 98
Profil Perusahaan
Company Profile
Total Status Pembayaran
Peringkat Payment Status
(juta Tenor
Tingkat Suku Bunga Saat Peringkat
Uraian Rupiah) (Tahun) Tanggal Belum
Interest Rates Diterbitkan Terakhir
Description Total Tenure Date Lunas Lunas
(%) Ratings at Latest Ratings
(million (Year) Paid Not
Issuance
Rupiah) Paid
Obligasi Berkelanjutan II Bank 100,000 2 9.75 28 Juni 2019- idA- idA-
Victoria Tahap I Tahun 2019 28 Juni 2021 (Single A (Single A Minus)
Bank Victoria Continuing Bonds 28 June 2019- Minus)
II Phase I Year 2019 28 June 2021
Obligasi Subordinasi 250,000 7 11.75 28 Juni 2019- idBBB idBBB
Berkelanjutan II Bank Victoria 28 Juni 2026 (Triple B) (Triple B)
Tahap I Tahun 2019 28 June 2019-
Bank Victoria Continuing 28 June 2026
Subordination Bonds II Phase I
Year 2019
Obligasi Subordinasi 150,000 7 11.25 8 November idBBB idBBB
Berkelanjutan II Bank Victoria 2019- (Triple B) (Triple B)
Tahap II Tahun 2019 8 November
Bank Victoria Continuing 2026
Subordination Bonds II Phase II 8 November
Year 2019 2019-8
November 2026
Obligasi Subordinasi 60,000 7 11.25 1 April 2020- idBBB idBBB
Berkelanjutan II Bank Victoria 1 April 2027 (Triple B) (Triple B)
Tahap III Tahun 2020 1 April 2020-
Bank Victoria Continuing 1 April 2027
Subordination Bonds II Phase III
Year 2020
Obligasi Berkelanjutan III Bank 300,000 3 9.25 9 Maret 2023- idA- idA-
Victoria Tahap I Tahun 2023 9 Maret 2026 (Single A (Single A Minus)
dengan tingkat bunga tetap Seri A 9 March 2023- Minus)
Bank Victoria Series A Continuing 9 March 2026
Bonds III Phase I Year 2023 at
fixed interest rate
Obligasi Berkelanjutan III Bank 200,000 5 10.25 9 Maret 2023- idA- idA-
Victoria Tahap I Tahun 2023 9 Maret 2028 (Single A (Single A Minus)
dengan tingkat bunga tetap 9 March 2023- Minus)
Seri B 9 March 2028
Bank Victoria Series B Continuing
Bonds III Phase I Year 2023 at
fixed interest rate
Keterangan rating / Rating description:
* BBB+ dari PT Kasnic Duff dan Phelps Credit Rating Indonesia / BBB+ from PT Kasnic Duff and Phelps Credit Rating Indonesia
* A3.id dari PT Moody’s Indonesia (setara A-. Kasnic) / A3.id from PT Moody’s Indonesia (equal to A-. Kasnic)
* Baa2.id dari PT Moody’s Indonesia (setara BBB. Kasnic) / Baa2.id from PT Moody’s Indonesia (equal to BBB. Kasnic)
* idBBB+ (Triple B) dari PT Pemeringkat Efek Indonesia / idBBB + (Triple B) from PT Pemeringkat Efek Indonesia
* idA- (Single A Minus) dari PT Pemeringkat Efek Indonesia / idA- (Single A Minus) from PT Pemeringkat Efek Indonesia
* idBBB (Triple B) dari PT Pemeringkat Efek Indonesia / idBBB (Triple B) from PT Pemeringkat Efek Indonesia
96 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Struktur Grup
Structure Group
Masyarakat/Pemegang
Saham <5% PT Nata Patindo Suzanna Tanojo PT Victoria Investama Tbk
Public/Shareholders <5%
36.11% 0.31% 19.35%
44.24% 80.19% 72.95% 99.50% 99.33% 95.00% 99.99%
PT Bank
PT Bank PT Victoria PT Victoria PT Victoria
PT Bank Victoria Victoria PT Sumber
Victoria Insurance Sekuritas Alife
International Tbk Manajemen Daya Sakti
Syariah Tbk Indonesia Indonesia
Investasi
19.81%
Informasi Penggunaan Jasa Akuntan Publik dan
Kantor Akuntan Publik
Information on the Use of Public Accountant Services and Public Accounting
Firms
Kantor Akuntan Publik Kantor Akuntan Publik Purwanto, Sungkoro & Surja (Member of Ernst & Young)
Public Accounting Firm Purwanto, Sungkoro & Surja Public Accounting Firm (Member of Ernst & Young)
Alamat Jasa yang Diberikan
Address Services Provided
Indonesia Stock Exchange Building Audit:
Tower 2 Lt. 7 Audit Laporan Keuangan tahun buku 2023 (tanpa jasa non-audit).
Jl. Jend. Sudirman Kav. 52-53 Audit of Financial Statements for 2023 fiscal year (without non-audit services).
Jakarta 12190
T : (021) 5289 5000
F : (021) 5289 4100
W : ey.com/id
Nama Akuntan Publik Periode Penugasan Biaya Jasa (Rp)
Name of Public Accountant Assignment Period Services Fee (Rp)
Yovita 2023 1,650,000,000
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Profil Perusahaan
Company Profile
Lembaga dan Profesi Penunjang Pasar Modal
Capital Market Supporting Institutions and Professionals
Biaya Jasa
Uraian Nama Alamat Jasa yang Diberikan Services
Description Name Address Services Provided Fee
(Rp)
Biro Administrasi Efek PT Adimitra Jasa Korpora Rukan Kirana Boutiqe Office Jasa Administrasi Daftar 46,000,000
Share Registrar Bureau Jl. Kirana Avenue III Blok F3 No. 5 Pemegang Saham dan
Kelapa Gading Administrasi Waran
Jakarta Utara 14250 No. AF088/BVIC/032023 dan
T : (021) 2974 5222 No. PW-145/BVIC/092022.
F : (021) 2928 9961 Shareholder Registration and
E : opr@adimitra-jk.co.id Warrant Administration Services
W : www.adimitrajk.co.id No. AF088/BVIC/032023 and
No. PW-145/BVIC/092022.
Pencatatan Efek Bursa Efek Indonesia Indonesia Stock Exchange Building Tower I Pencatatan Tahunan Saham 256,500,000
Securities Listing Indonesia Stock Exchange Jl. Jend. Sudirman Kav. 52-53 dan/atau Efek Bersifat Utang
Jakarta Selatan 12190 dan Sukuk.
T : (021) 5150 515 Annual Listing of Shares and/or
F : (021) 5150 330 Debt Securities and Sukuk.
W : www.idx.co.id
Notaris Fathiah Helmi, SH Graha Irama Lt. 6C Pembuatan Akta Berita Acara 44,000,000
Notary Jl. HR Rasuna Said Kav. 1–2 dan Akta Pernyataan Keputusan
Jakarta 12950 RUPS Tahunan.
T : (021) 5290 7304 Preparation of Deed of Minutes
(021) 5290 7305 and Deed of Statement of
(021) 5290 7306 Annual GMS Resolutions.
F : (021) 5261 136
E : fhchozie@gmail.com
Perusahaan Pemeringkat PT Pemeringkat Efek Equity Tower Lt. 30 • Pemeringkatan atas Obligasi 525,000,000
Efek Indonesia Sudirman Central Business District Lot. 9 Berkelanjutan III Bank
Securities Rating Agency Jl. Jend. Sudirman Kav. 52-53 Victoria Tahap I Tahun 2023;
Jakarta 12190 dan
T : (021) 5096 8469 • Pemeringkatan Tahunan
F : (021) 5096 8468 Perusahaan, Obligasi, dan
W : www.pefindo.com Obligasi Subordinasi Bank
Victoria.
• Rating of Bank Victoria’s
Sustainable Bonds III Phase I
Year 2023; and
• Bank Victoria’s Annual Rating
of the Company, Bonds, and
Subordinated Bond.
98 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Biaya Jasa
Uraian Nama Alamat Jasa yang Diberikan Services
Description Name Address Services Provided Fee
(Rp)
Penilai Perusahaan Kantor Jasa Penilai Publik Jl. Cipinang Cempedak II No. 58 Penilaian independen terkait 110,000,000
Corporate Assessor Tri, Santi dan Rekan Jakarta 13340 pelaksanaan transaksi jual beli
Public Appraisal Service T : (021) 856 6573 aset tanah seluas 44.816 m2
Office Tri, Santi and E : corsec@kjpptsr.co.id yang berlokasi di Perum Villa
Partners Cinere Mas kepada PT Tri Daya
Investindo.
Independent assessment
regarding the implementation
Kantor Jasa Penilai Publik Gedung Dana Graha of sale and purchase transaction 90,000,000
Pung’s Zulkarnain dan Lt. 1-R.101 of land assets covering an area
Rekan Jl. Gondangdia Kecil 12-14 of 44,816 m2 located at Perum
Public Appraisal Service Jakarta 10350 Villa Cinere Mas to PT Tri Daya
Office Pung’s Zulkarnain T : (021) 230 3840 Investindo.
and Partners F : (021) 230 3940
E : info@kjpp-pungsz.com
Wali Amanat PT Bank Mega Tbk Menara Bank Mega Jasa Tahunan Wali Amanat 352,500,000
Trustee Jl. Kapten Tendean No. 12–12A atas Obligasi dan Obligasi
Jakarta 12970 Subordinasi Bank.
T : (021) 7917 5000 Annual Trustee Service on the
F : (021) 7918 7100 Bank’s Bonds and Subordinated
W : www.bankmega.com Bonds.
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ANALISIS DAN
PEMBAHASAN
MANAJEMEN
Management Discussion
and Analysis
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tinjauan Ekonomi dan Industri
Economic and Industrial Overview
Perekonomian Global dan Nasional Global and National Economy
Setelah mencatat pertumbuhan sebesar 3,4% pada tahun 2022, After recording growth of 3.4% in 2022, the global economy
perekonomian global kembali melemah dengan mencatatkan weakened again by recording growth of 3.0% in 2023. This was
pertumbuhan sebesar 3,0% pada tahun 2023. Hal ini dipengaruhi influenced by the continuing geopolitical tensions triggered by
masih berlanjutnya ketegangan geopolitik yang dipicu perang Russia’s war in Ukraine which led to limited supplies, resulting
Rusia di Ukraina yang menyebabkan keterbatasan pasokan in high global energy and food prices as well as trade tensions
sehingga tetap tingginya harga energi dan pangan global serta between the United States and China that resulted in a decline in
ketegangan perdagangan antara Amerika Serikat dan Tiongkok export, import, and volume of world trade.
yang berdampak pada penurunan ekspor-impor dan volume
perdagangan dunia.
Pelambatan ekonomi global juga sejalan dengan proses disinflasi The global economic slowdown was also in line with the slowing
dunia yang melambat. Per Desember 2023, inflasi dunia turun world disinflation process. As of December 2023, the world
menjadi 6,8% pada Desember 2023 dari level tertinggi pada inflation fell to 6.8% in December 2023, from the highest level
triwulan II 2022 sebesar 11,6%. Penurunan tersebut sejalan in the quarter II 2022 by 11.6%. Such decline was in line with
dengan penurunan harga energi dan pangan, terurainya keketatan the decrease in energy and food prices, loosening of supply
pasokan, serta dampak dari pengetatan kebijakan moneter bank tightness, and impact of tightening central bank monetary policy
sentral di banyak negara. Namun pada sisi lain, penurunan inflasi in many countries. However, on the other hand, the decline in
dunia berlangsung lebih lambat dari prakiraan semula. Ketatnya world inflation was slower than previous prediction. The tight
pasar tenaga kerja menyebabkan inflasi di negara-negara maju labor market causing inflation in developed countries was still far
masih jauh di atas sasaran yang ingin dicapai, yaitu 2%. above the target to be achieved of 2%.
Sejalan dengan perekonomian global, pertumbuhan ekonomi In line with the global economy, Indonesia’s economic growth
Indonesia turut megalami penurunan menjadi 5,04% (year also decreased to 5.04% (year on year), lower than the
on year), lebih rendah dibanding capaian tahun 2022 yang achievement in 2022 with growth of 5.31%. Though it was in a
mengalami pertumbuhan sebesar 5,31%. Meskipun berada dalam downward trend, Indonesian economy continuously grew well,
tren penurunan, perekonomian Indonesia tetap tumbuh baik supported by the domestic demand which remained strong
didukung oleh permintaan domestik yang tetap kuat di tengah amidst declining export performance, remained strong private
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penurunan kinerja ekspor, konsumsi swasta termasuk konsumsi consumption including consumption in services sector driven
di sektor jasa tetap kuat didorong masih tingginya keyakinan by high consumer confidence, maintained purchasing power
konsumen, terjaganya daya beli seiring dengan inflasi yang in line with low inflation, policy stimulus fiscal, including the
rendah, stimulus kebijakan fiskal termasuk pemberian subsidi dan provision of subsidies and various social assistance programs,
berbagai program bantuan sosial, membaiknya investasi yang improved investment driven by the continued completion of
didorong berlanjutnya penyelesaian Proyek Strategis Nasional National Strategic Projects (PSN) and non-building investment,
(PSN) dan investasi nonbangunan, serta peningkatan di berbagai and improvements in various sectors, both in business and
sektor, baik dari sisi lapangan usaha maupun sisi pengeluaran. expenditure.
Dari sisi lapangan usaha, sektor transportasi dan pergudangan In terms of business sector, transportation and warehousing
meraih pertumbuhan tertinggi sebesar 13,96%, diikuti oleh sector achieved the highest growth at 13.96%, followed by other
sektor jasa lainnya sebesar 10,52%, serta sektor penyediaan services sector at 10.52%, and accommodation of food and
akomodasi dan makan minum sebesar 10,01%. Sementara pada beverage sector at 10.01%. Meanwhile, on expenditure side, the
sisi pengeluaran, sektor pengeluaran konsumsi lembaga non- consumption expenditure sector of non-profit institutions serving
profit yang melayani rumah tangga mencapai pertumbuhan households achieved the highest growth at 9.83%, followed by
tertinggi sebesar 9,83%, diikuti oleh sektor pengeluaran household consumption expenditure sector at 4.82%, and gross
konsumsi rumah tangga sebesar 4,82%, dan sektor pembentukan fixed capital formation sector at 4.40%.
modal tetap bruto sebesar 4,40%.
Sumber: Source:
• Bank Indonesia, “Laporan Perekonomian Indonesia Tahun 2023”; dan • Bank Indonesia, “Indonesia Economic Report 2023”; and
• Badan Pusat Statistik, “Pertumbuhan Ekonomi Indonesia Triwulan IV-2023 BRS • Statistics Indonesia, “Indonesia’s Economic Growth Quarter IV-2023 BRS
No. 13/02/Th. XXVII, 5 Februari 2024”. No. 13/02/Th. XXVII, 5 February 2024”.
Tinjauan Pasar Keuangan dan Industri Overview of Financial Market and Banking
Perbankan Industry
Di tengah pelambatan pertumbuhan ekonomi global, kinerja Amidst the slowing global economic growth, the performance of
industri perbankan Indonesia pada tahun 2023 tetap terjaga Indonesian banking industry in 2023 was maintained properly.
dengan baik. Hal tersebut tercermin dari kinerja kredit perbankan This was reflected in banking loan performance in 2023 which
yang tercatat meningkat pada tahun 2023 10,38% menjadi Rp7,09 recorded an increase of 10.38% to Rp7.09 trillion from that of the
triliun dari sebelumnya Rp6,42 triliun. Berdasarkan kelompok previous year of Rp6.42 trillion. Based on usage group, the loan
penggunaan, pertumbuhan kredit terutama ditopang oleh kredit growth was mainly supported by investment loans and working
investasi dan kredit modal kerja yang masing-masing sebesar capital loans of 12.26% and 10.05%, respectively. Meanwhile,
12,26% dan 10,05%. Sementara secara sektoral, pertumbuhan by sector, loan growth was mainly supported by the performance
kredit terutama ditopang oleh kinerja sektor pengangkutan, jasa of transportation, social services, trade, and electricity, gas, and
sosial, perdagangan, dan listrik, gas, air. Pembiayaan syariah pada water sectors. Sharia financing in December 2023 also grew by
Desember 2023 juga tumbuh sebesar 15,80% (yoy), sementara 15.80% (yoy), while MSME loan growth reached 8.03% (yoy).
pertumbuhan kredit UMKM mencapai 8,03% (yoy). Dana Pihak Third Party Funds (DPK) also recorded growth in 2023 of 3.73%
Ketiga (DPK) juga mencatatkan pertumbuhan pada tahun 2023 to Rp8,457.93 trillion, from previously Rp8,153.59 trillion, with
sebesar 3,73% menjadi Rp8.457,93 triliun dari sebelumnya demand deposits as the largest contributor to growth of 4.57%.
Rp8.153,59 triliun, dengan kontributor pertumbuhan terbesar This was coupled with the increase in loan to deposit ratio (LDR)
pada giro yaitu 4,57%. Hal ini disertai dengan meningkatnya loan to 84.11% in 2023.
to deposit ratio (LDR) menjadi 84,11% pada tahun 2023.
Selain itu, ketahanan perbankan dan stabilitas sistem keuangan In addition, banking resilience and financial system stability
tetap terjaga didukung oleh permodalan yang kuat dan risiko are maintained, supported by strong capital and low loan risk.
kredit yang rendah. Likuiditas industri perbankan pada Desember Banking industry liquidity in December 2023 increased with
2023 meningkat dengan rasio-rasio likuditas jauh di atas level liquidity ratio far above the level required for supervision. The
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 103
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
kebutuhan pengawasan. Rasio alat likuid/non-core deposit ratio of liquid assets/non-core deposits (AL/NCD) and liquid
(AL/NCD) dan alat likuid/dana pihak ketiga (AL/DPK) masing- assets/third party funds (AL/DPK) rose to 120.07% and 28.73%,
masing naik menjadi 120,07% dan 28,73%. Sementara itu, respectively. Meanwhile, the non-performing loan (NPL) ratio was
rasio kredit bermasalah perbankan/non-performing loan (NPL) recorded low at 2.19% (gross) and 0.75% (net). Overall, such
tercatat rendah sebesar 2,19% (bruto) dan 0,75% (neto). Secara strong banking resilience was supported by the continued good
keseluruhan, ketahanan perbankan yang kuat tersebut didukung repayment capacity of corporation and household, in line with
oleh kemampuan bayar korporasi dan rumah tangga yang tetap corporate performance and household income expectation which
baik, sejalan dengan kinerja korporasi dan ekspektasi penghasilan continuously improved.
rumah tangga yang terus membaik.
Sepanjang tahun 2023, industri perbankan secara umum Throughout 2023, banking industry generally recorded
mencatatkan pencapaian kinerja dengan tren positif. Hal performance achievements with a positive trend. This was
tersebut tercermin dari kinerja aset, DPK, dan kredit mencatatkan reflected in the performance of assets, third party funds, and
peningkatan masing-masing sebesar 5,87%, 3,73%, dan 10,61%. loans which recorded an increase of 5.87%, 3.73%, and 10.61%,
Sedangkan, pada Kelompok Bank berdasarkan Modal Inti (KBMI) respectively. Meanwhile, the Bank Group based on Core Capital
1 mencatatkan pencapaian kinerja dengan tren negatif yang (KBMI) 1 recorded performance achievements with a negative
tercermin dari penurunan kinerja aset, DPK, dan kredit masing- trend, reflected in the decline in assets, third party funds, and loans
masing sebesar 4,06%, 7,23% dan 2,34% pada tahun 2023. performance of 4.06%, 7.23%, and 2.34%, respectively, in 2023.
Sumber: Source:
• Bank Indonesia, “Laporan Perekonomian Indonesia Tahun 2023”; • Bank Indonesia, “Indonesia Economic Report 2023”;
• Bank Indonesia, “Tinjauan Kebijakan Moneter Desember 2023”; • Bank Indonesia, “Monetary Policy Overview December 2023”;
• Otoritas Jasa Keuangan, “Siaran Pers: Sektor Jasa Keuangan yang Kuat dan Stabil untuk • Financial Services Authority, “Press Release: Strong and Stable Financial Services
Mendukung Pertumbuhan Ekonomi yang Berkelanjutan, 20 Februari 2024”; dan Sector to Support Sustainable Economic Growth, 20 February 2024”; and
• Otoritas Jasa Keuangan, “Statistik Perbankan Indonesia - Desember 2023, • Financial Services Authority, “Indonesian Banking Statistics - December 2023,
21 Februari 2024”. 21 February 2024”.
Tinjauan Operasional
Operational Overview
Strategi Pengembangan Bisnis Business Development Strategy
Perseroan berkomitmen untuk terus melakukan inovasi baik The Company is committed to continuing to innovate in products,
terhadap produk, jasa dan layanan, saluran pemasaran maupun services, marketing channels and supporting infrastructure
infrastruktur pendukung guna menciptakan pengalaman to create a satisfying banking experience for customers. This
perbankan yang memuaskan kepada nasabah. Komitmen commitment is implemented out through the preparation of
tersebut dilakukan melalui penyusunan rencana strategis bank. the Bank’s strategic plan. Business development strategies
Adapun strategi pengembangan bisnis yang dijalankan Bank implemented by Bank Victoria in 2023 were described as follows:
Victoria sepanjang tahun 2023 diuraikan sebagai berikut:
1. Strategi Perkreditan 1. Loans Strategies
Strategi bidang perkreditan diprioritaskan pada upaya The loan strategies are prioritized on efforts to maintain and
menjaga dan meningkatkan kualitas kredit dengan target improve loan quality with a sound and sustainable growth
pertumbuhan yang sehat dan berkesinambungan dengan target by still adhering to the prudential financing principles,
tetap mengacu pada prinsip kehati–hatian (prudential as well as by adjusting to the full-of-uncertainty economic
financing) serta dengan menyesuaikan pada prospek prospects. Several business strategies to be carried out are
perekonomian yang masih penuh ketidakpastian. Beberapa as follows:
strategi bisnis yang akan dilakukan sebagai berikut:
a. Memproyeksikan pertumbuhan total kredit secara a. Projecting total credit growth selectively and
selektif dan konservatif pada kisaran 7%-9%; conservatively in the range of 7%-9%;
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b. Meningkatkan penyaluran kredit dengan model bisnis b. Increasing loans with channeling business models
channeling melalui kerja sama fintech, BPR, multifinance through collaboration with fintech, BPR, multifinance,
dan koperasi guna meningkatkan portofolio kredit, potensi and cooperatives to increase loan portfolios, potential
fee based income, dan penetrasi bisnis yang lebih luas; fee-based income, and broader business penetration;
c. Memperkenalkan ekosistem digital lending untuk c. Introducing a digital lending ecosystem to provide
memberikan informasi dan proses percepatan kredit information and the speed of the Bank’s loan process to
Bank kepada debitur; the debtor;
d. Mengembangkan dan meningkatkan kuantitas, kualitas d. Developing and increasing the quantity, quality,
dan profitabilitas bisnis kredit dengan loan origination and profitability of the credit business with the loan
system (LOS) dalam rangka kemudahan layanan end to origination system (LOS) to facilitate end-to-end credit
end proses kredit termasuk fungsi pengendalian dan process services including credit control and monitoring
monitoring kredit; functions;
e. Menjaga dan meningkatkan kualitas kredit melalui e. Maintaining and improving loan quality through
monitoring debitur, pelaksanaan early warning, serta monitoring debtors, implementing early warnings, and
pengembangan sumber daya manusia dan sistem; developing human resources and system;
f. Mempercepat penyelesaian kredit yang dihapus buku f. Accelerating the settlement of written-off loans and the
dan penjualan agunan yang diambil alih termasuk di sale of foreclosed assets, including through the sale of
antaranya melalui penjualan jaminan dan AYDA di situs collateral and AYDA on the website; and
jaringan (situs web); dan
g. Mengoptimalkan program pelatihan yang g. Optimizing continuous training programs to increase the
berkesinambungan untuk meningkatkan kapasitas skill capacity of the sales force.
keahlian tenaga penjualan.
2. Strategi Pendanaan dan Pengembangan Layanan 2. Funding and Development Strategies
Strategi bidang pendanaan diprioritaskan pada upaya The funding strategies are prioritized on efforts to maintain
menjaga dan meningkatkan loyalitas nasabah serta and increase customer loyalty and add new customers with
menambah nasabah baru dengan target pertumbuhan a growth target based on a sound and optimal funding
yang berbasis struktur pendanaan yang sehat dan optimal. structure. Several business strategies to be carried out are as
Beberapa strategi bisnis yang akan dilakukan sebagai berikut: follows:
a. Meningkatkan pendanaan (dana pihak ketiga dan a. Increasing funding (third-party deposits and securities
surat berharga yang diterbitkan) di kisaran 9%-11% issued) in the range of 9%-11% (year-on-year) with
(year-on-year) dengan prioritas pada pengendalian priority on controlling the cost of funds and interest
cost of fund dan beban bunga; expenses;
b. Membuat beberapa program seperti akuisisi nasabah b. Creating several programs such as acquisition of new
baru melalui program CASA plus gimmick hadiah, customers through CASA program plus gift gimmicks,
program CASA cashback atau bunga yang menarik, serta CASA cashback program or attractive interest rates, and
loyality program untuk meningatkan dana CASA; loyalty programs in order to increase CASA funds;
c. Membuat dan melanjutkan program bundling atau paket c. Creating and continuing bundling programs or product
kombinasi produk untuk pilihan nasabah; combination packages for the customer’s choice;
d. Menjalin kerja sama dan meningkatkan penjualan obligasi d. Collaborating and increasing sales of retail bonds,
ritel, bancassurance, dan reksadana guna meningkatkan bancassurance, and mutual funds to increase income
pendapatan melalui fee based income; through fee-based income;
e. Melakukan pengembangan secara berkelanjutan dalam e. Conducting sustainable development in revamping
revamping terhadap internet banking, mobile banking internet banking, mobile banking internet, and banking
dan internet banking business yang dilengkapi dengan business equipped with superior and competitive digital
fitur dan produk digital unggul serta bersaing untuk features and products to meet the needs of the financial
memenuhi kebutuhan transaksi keuangan; transactions;
f. Meningkatkan kualitas layanan guna memenuhi f. Improving services quality to meet customer needs by
kebutuhan nasabah dengan melakukan pengembangan developing digital operations, which is by conducting
digital operations, yaitu melakukan aktivitas transaksi non-cash transaction activities using video banking
non tunai dengan menggunakan teknologi video technology, so that transaction interactions can be
banking, sehingga interaksi transaksi dapat dilakukan carried out virtually but still prioritizing the principles of
secara virtual namun tetap mengedepankan prinsip prudence and security in making transactions;
kehati-hatian serta keamanan bertransaksi;
g. Melakukan promosi melalui media sosial dan/atau g. Carrying out promotions through social media and/or
kegiatan lain untuk lebih memperkenalkan produk dan other activities to introduce Bank Victoria products and
layanan Bank Victoria kepada masyarakat; services closer to the public;
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
h. Meningkatkan layanan transaksi perbankan untuk h. Improving banking transaction services to support
mendukung kebutuhan transaksi para investor dalam investors’ transaction needs in order to penetrate
rangka penetrasi peluang bisnis yang lebih luas; broader business opportunities;
i. Melakukan pendekatan dan pemasaran ke sekolah- i. Approaching and marketing to schools for new
sekolah untuk tujuan nasabah baru (customer base) customers (customer base), which are students, parents,
yaitu murid, orang tua, dan guru untuk mendukung and teachers to support financial literacy or inclusion
program literasi atau inklusi keuangan yang dicanangkan programs launched by the government; and
oleh pemerintah; dan
j. Melakukan sinergi dengan grup usaha dalam j. Synergizing with business groups in sustainable business
pengembangan bisnis berkelanjutan. development.
3. Strategi bidang Operasional dan Teknologi Sistem 3. Operational and Information Systems Technology
Informasi Strategies
Strategi bidang Operasional dan Teknologi Sistem Informasi Operational and Information System Technology strategies
diprioritaskan pada upaya pemanfaatan dan pengembangan are prioritized on efforts to utilize and develop sustainable
teknologi informasi yang berkelanjutan dalam rangka information technology in order to support the aspects of
mendukung aspek peningkatan kualitas layanan, operasional improving service quality, business operations, security, and
bisnis, keamanan, dan kepatuhan terhadap regulasi. regulatory compliance. Some points of the strategies that
Beberapa strategi poin yang akan diterapkan oleh Bank will applied by the Bank are as follows:
sebagai berikut:
a. Melanjutkan penerapan 3 No’s (No Delay, No Error & a. Continuing the application of 3 No’s (No Delay, No
No Fraud) serta memberikan service excellence kepada Error, & No Fraud) and providing service excellence to
nasabah dalam rangka memastikan operasional Bank customers in order to ensure that the Bank’s operations
berjalan dengan baik dan memadai; run properly and adequately;
b. Melakukan tinjauan dan pengembangan terhadap kontrol b. Reviewing and developing effective controls of
pengamanan sistem teknologi informasi yang efektif dan information technology system security and a healthy
tingkat kepatuhan yang baik terhadap ketentuan pihak compliance with regulator’s provisions; and
regulator; dan
c. Melanjutkan penguatan dan pengembangan operasional c. Continuing operational strengthening and development
serta pemenuhan ketentuan terkait kepatuhan untuk as well as compliance with compliance-related
meningkatkan interaksi dan layanan kepada nasabah, regulations to increase interaction and service to
percepatan management oversight kepada seluruh customers, accelerate management oversight of all
cabang atau lini usaha dan penunjang rencana bisnis, branches or business lines and supporting business
serta operasional yang berkelanjutan, seperti di plans, as well as sustainable operations, among others,
antaranya pengembangan layanan dan produk perbankan developing banking services and products in form
dengan bentuk digital banking, loan origination system, of digital banking, loans origination system, credit
aplikasi kredit scoring, big data, dan digitalisasi proses scoring application, big data, and customer on boarding
customer on boarding. digitalization process.
Selain itu, strategi peningkatan infrastruktur dan teknologi Furthermore, strategies for improving infrastructure and
serta perbaikan fundamental Bank untuk periode jangka technology as well as improving the Bank’s fundamentals for
pendek dan menengah yang terkoneksi antara channels, the short-term and medium-term period connected between
data, dan analisis trends dari digital channels, data channels, data, and trend analysis from digital channels, data
warehouse, dan monitoring akan dibangun dalam kurun warehouse, and monitoring will be developed within the next
waktu 2-3 tahun ke depan. Bank juga akan membangun dan 2 to 3 years. The Bank will also build and plan an IT Strategic
merencanakan proses IT Strategic Plan untuk jangka panjang Plan process for the long-term strategy that focuses on:
yang berfokus pada:
a. Meningkatkan dan melakukan update aplikasi dan a. Improving and updating Bank applications and
infrastruktur Bank untuk mendukung kebutuhan bisnis; infrastructure to support business needs;
b. Meningkatkan manajemen proyek berdasarkan system
development live cycle (SDLC) menggunakan metode b. Improving project management based on the system
agile/scrum maupun dengan metode waterfall; dan development live cycle (SDLC) using the agile/scrum
c. Meningkatkan koordinasi dan komunikasi dalam method and the waterfall method; and
pengembangan IT secara internal dan dengan pemangku c. Improving coordination and communication in
kepentingan Bank. developing IT internally and with Bank stakeholders.
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Strategi Pemasaran Marketing Strategy
Bank telah menerapkan berbagai strategi pemasaran dalam The Bank has implemented various marketing strategies to
rangka meningkatkan penjualan produk-produk Bank, increase the Bank’s product sales, maintain market share,
mempertahankan pangsa pasar, meraih peluang usaha, serta gain business opportunities, and face competition through the
menghadapi persaingan melalui strategi-strategi berikut: following strategies:
1. Mewujudkan inovasi produk dan layanan digital maupun 1. Realizing digital product and service innovation as well
pengembangannya dengan dukungan sistem teknologi as their development with the support of information
informasi guna menciptakan keunggulan kompetitif dan technology systems to create competitive advantage and
loyalitas nasabah dalam rangka mendorong pendapatan customer loyalty to encourage operational income, including
operasional termasuk fee based income dan memperluas fee-based income, and expand market share;
pangsa pasar;
2. Melanjutkan evaluasi dan merelokasi jaringan kantor ke 2. Continuing to evaluate and relocate office networks to more
lokasi bisnis yang lebih menguntungkan; dan profitable business locations; and
3. Mengoptimalkan peran jaringan kantor guna memperluas 3. Optimizing the role of office networks to expand market
pangsa pasar termasuk pengenalan secara intensif terhadap share, including intensive introduction of digital products
produk dan layanan digital sebagai inovasi terkini yang and services as the latest provided innovations.
diberikan.
Pangsa Pasar Market Share
Bank Victoria menghadapi persaingan dengan seluruh bank Bank Victoria faces competition with all conventional commercial
umum konvensional kelompok bank berdasarkan modal inti banks in the bank group based on core capital (KBMI) I
(KBMI) I (Bank dengan Modal Inti Rp1 triliun sampai dengan (Bank with Core Capital of Rp1 trillion to Rp6 trillion) and the
Rp6 triliun) dan industri perbankan di Indonesia dalam banking industry in Indonesia in determining market dominance.
menentukan penguasaan pasar. Persaingan usaha tersebut Such business competition can be seen based on the total assets
antara lain dapat dilihat berdasarkan total aset yang dimiliki, owned, the total third party funds collected, and the total loans
total dana pihak ketiga yang berhasil dihimpun, dan total kredit by the Bank as follows:
yang diberikan oleh Bank sebagai berikut:
(dalam miliar Rupiah, kecuali dinyatakan lain / in billion Rupiah, unless stated otherwise)
2023 2022*
Uraian DPK DPK Description
Aset Kredit Aset Kredit
Third-Party Third-Party
Assets Loans Assets Loans
Funds Funds
Perbankan Nasional National Banking
11,765,838 7,090,243 8,457,929 11,113,321 6,497,620 8,153,590
(BUK) (BUK)
KBMI 1 1,377,864 754,649 918,307 1,436,185 772,695 989,871 KBMI 1
Bank Victoria 29,624 18,629 22,429 25,932 15,825 19,372 Bank Victoria
Pangsa Pasar Market Share to
0.25 0.26 0.27 0.23 0.24 0.24
terhadap BUK (%) BUK (%)
Pangsa Pasar Market Share of
2.15 2.47 2.44 1.81 2.05 1.96
terhadap KBMI 1 (%) KBMI 1 (%)
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022 / Consolidation until the date of divestment of Subsidiary on 22 December 2022.
Secara keseluruhan pangsa pasar Bank Victoria terhadap Overall, Bank Victoria’s market share in banking industry and
Industri Perbankan dan KBMI I dari segi aset, DPK, dan kredit KBMI I in terms of assets, third party funds, and loans increased
mengalami peningkatan dibandingkan dengan pangsa pasar compared to the previous year’s market share.
tahun sebelumnya.
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Suku Bunga Dasar Bank Prime Lending Rate
Berdasarkan Peraturan Otoritas Jasa Keuangan Pursuant to the Financial Services Authority Regulation
No. 37/POJK.03/2019 tentang Transparansi dan Publikasi No. 37/POJK.03/2019 on Transparency and Publication
Laporan Bank dan Surat Edaran Otoritas Jasa Keuangan of Bank Reports and Financial Services Authority Circular
No. 9/SEOJK.03/2020 tentang Transparansi dan Publikasi Laporan No. 9/SEOJK.03/2020 on Transparency and Publication of
Bank Umum Konvensional, bank umum yang menjalankan Conventional Commercial Bank Reports, commercial banks
kegiatan usaha secara konvensional memiliki kewajiban untuk that carry out conventional business activities are required to
melaporkan dan mempublikasikan Suku Bunga Dasar Kredit report and publish Prime Lending Rate (SBDK) in Rupiah. This
(SBDK) dalam mata uang Rupiah. Publikasi ini untuk memberikan publication is to provide clarity and make it easier for customers
kejelasan dan memudahkan nasabah dalam menimbang manfaat, to consider benefits, costs, and risks of the loans offered.
biaya, dan risiko kredit yang ditawarkan.
SBDK digunakan sebagai pedoman penetapan suku bunga kredit SBDK is used as the guideline for determining the lending rate that
yang akan dikenakan kepada nasabah. Namun demikian, SBDK will be charged to customers. However, SBDK does not calculate
belum memperhitungkan komponen estimasi premi risiko yang the risk premium estimation component, the amount of which
besarnya tergantung dari penilaian Bank terhadap risiko masing- depends on the Bank’s assessment of the risks of each debtor or
masing debitur atau kelompok debitur. Bank senantiasa meninjau group of debtors. The Bank constantly reviews and updates prime
ulang dan memperbarui SBDK sesuai dengan pergerakan suku lending rate according to movements in benchmark interest rate
bunga acuan BI 7-day (Reverse) Repo Rate. Adapun tingkat SBDK BI 7-day (Reverse) Repo Rate. The Bank’s SBDK is described as
Bank diuraikan sebagai berikut: follows:
Tingkat Suku Bunga Penghimpunan Dana Rata-Rata Setahun
Annual Average Interest Rate of Funding
(dalam % / in %)
Uraian 2023 2022 Description
Giro Demand Deposits
Rupiah 0.86 3.30 Rupiah
Dolar Amerika Serikat 0.48 0.58 United States Dollar
Tabungan Savings Deposits
Rupiah 1.06 3.80 Rupiah
Dolar Amerika Serikat N/A N/A United States Dollar
Deposito Berjangka Time Deposits
Rupiah 5.20 4.42 Rupiah
Dolar Amerika Serikat 2.97 1.57 United States Dollar
Tingkat Suku Bunga Dasar Kredit Rupiah (Prime Lending Rate) Per Tahun
Rupiah Prime Lending Rate Per Year
(dalam % / in %)
Kredit Konsumsi2)
Kredit Consumer Credit2)
Korporasi2) Kredit Ritel2) Kredit Mikro3)
Komponen1) KPR Non-KPR4) Component1)
Corporate Retail Credit2) Micro Credit3)
Loans2) House Non-House
Loan Loan4)
Harga Pokok Dana untuk Kredit (HPDK) / Cost of Funds for Loans (HPDK)
Biaya Dana 5.72 5.72 - 5.72 5.72 Cost of Funds
Biaya Dana Pihak Ketiga 4.80 4.80 - 4.80 4.80 Cost of Third-Party Funds
Biaya Dana Bukan Pihak Cost of Non-Third-Party
0.92 0.92 - 0.92 0.92
Ketiga Funds
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Kredit Konsumsi2)
Kredit Consumer Credit2)
Korporasi2) Kredit Ritel2) Kredit Mikro3)
Komponen1) KPR Non-KPR4) Component1)
Corporate Retail Credit2) Micro Credit3)
Loans2) House Non-House
Loan Loan4)
Biaya Dana Liabilitas Cost of Liability Funds
0.22 0.22 - 0.22 0.22
kepada Bank Lain to Other Banks
Biaya Dana Liabilitas Cost of Liability Funds
0.00 0.00 - 0.00 0.00
kepada Bank Indonesia to Bank Indonesia
Biaya Dana Surat
0.70 0.70 - 0.70 0.70 Cost of Securities Funds
Berharga
Biaya Dana Pinjaman
0.00 0.00 - 0.00 0.00 Cost of Borrowing Funds
yang Diterima
Biaya Dana Liabilitas Cost of Inter-Office
0.00 0.00 - 0.00 0.00
antar Kantor Liability Funds
Biaya Dana Liabilitas Cost of Capital Finance
0.00 0.00 - 0.00 0.00
Keuangan Permodalan Liability Funds
Biaya Dana Lainnya 0.00 0.00 - 0.00 0.00 Cost of Other Funds
Biaya Promosi dan Cost of Promotion and
Pemasaran terkait 0.00 0.00 - 0.00 0.00 Marketing related to
Pendanaan Funding
Lainnya 0.00 0.00 - 0.00 0.00 Others
Biaya Jasa 0.02 0.02 - 0.02 0.02 Cost of Services
Biaya Regulasi 0.59 0.59 - 0.59 0.59 Cost of Regulations
Cost of Statutory
Biaya GWM 0.39 0.39 - 0.39 0.39
Reserve Requirement
Biaya Premi Penjaminan Cost of Deposit
Lembaga Penjamin 0.20 0.20 - 0.20 0.20 Insurance Corporation
Simpanan Guarantee Premium
HPDK Lainnya 0.00 0.00 - 0.00 0.00 Other HPDK
Biaya Kas 0.00 0.00 - 0.00 0.00 Cost of Cash
Lainnya 0.00 0.00 - 0.00 0.00 Others
Biaya Overhead / Overhead Cost
Biaya Tenaga Kerja 0.68 0.68 - 0.68 0.68 Labor Cost
Biaya Pendidikan dan Education and Training
0.03 0.03 - 0.03 0.03
Pelatihan Cost
Biaya Penelitian dan Research and Development
0.03 0.03 - 0.03 0.03
Pengembangan Cost
Biaya Sewa 0.06 0.06 - 0.06 0.06 Rent Cost
Biaya Promosi dan Promotion and Marketing
0.02 0.02 - 0.02 0.02
Pemasaran Cost
Cash Back 0.00 0.00 - 0.00 0.00 Cash Back
Hadiah 0.00 0.00 - 0.00 0.00 Gifts
Advertising and
Iklan dan Promosi 0.02 0.02 - 0.02 0.02
Promotion
Sponsorship/ Sponsorship/
0.00 0.00 - 0.00 0.00
Entertainment Entertainment
Lainnya 0.00 0.00 - 0.00 0.00 Others
Biaya Pemeliharaan dan Maintenance and Repair
0.02 0.02 - 0.02 0.02
Perbaikan Cost
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Kredit Konsumsi2)
Kredit Consumer Credit2)
Korporasi2) Kredit Ritel2) Kredit Mikro3)
Komponen1) KPR Non-KPR4) Component1)
Corporate Retail Credit2) Micro Credit3)
Loans2) House Non-House
Loan Loan4)
Biaya Penyusutan Aset Depreciation of Fixed Asset
0.12 0.12 - 0.12 0.12
Tetap dan Inventaris and Inventory Cost
Biaya Overhead Lainnya 0.06 0.06 - 0.06 0.06 Other Overhead Cost
Biaya Barang/Jasa dan Goods/Services and
0.06 0.06 - 0.06 0.06
Administrasi Administration Cost
Lainnya 0.00 0.00 - 0.00 0.00 Others
Margin Keuntungan 2.35 3.10 - 2.35 4.60 Profit Margin
Suku Bunga Dasar Kredit
9.70 10.45 - 9.70 11.95 Prime Lending Rate (SBDK)
(SBDK)
Estimasi Premi Risiko 1.00 1.50 - 1.25 1.75 Risk Premium Estimation
Suku Bunga Kredit (SBDK + Loan Interest Rate (SBDK +
10.70 11.95 - 10.95 13.70
Estimasi Premi Risiko) Risk Premium Estimation)
Keterangan:
1) Masing-masing komponen diisi sepanjang digunakan untuk membiayai kredit; / Each component is filled in as long as it is used to finance credit;
2) Penggolongan kredit korporasi, kredit ritel, dan kredit konsumsi (KPR dan Non-KPR) dilakukan berdasarkan kriteria yang ditetapkan oleh internal Bank; /
The classification of corporate credit, retail credit, and consumer credit (House Loan and Non-House Loan) is carried out based on the criteria set by the Bank’s internal party;
3) Penggolongan kredit mikro berpedoman pada definisi usaha mikro; serta / The classification of micro credit refers to the definition of micro business; and
4) Tidak termasuk kartu kredit dan kredit tanpa agunan (KTA). / Does not include credit cards and unsecured credit (KTA).
Tingkat Suku Bunga Pinjaman Rata-Rata Setahun
Annual Average Interest Rate of Loans
(dalam % / in %)
Uraian 2023 2022 Description
Rupiah 9.85 9.72 Rupiah
Dolar Amerika Serikat 8.85 7.07 United States Dollar
Tinjauan Segmen Usaha Business Segment Overview
Penjelasan dan Kinerja Operasional Segmen Explanation and Operational Performance of
Operasi Operating Segment
Sebagai badan usaha yang bergerak dalam bidang perbankan, As a business entity operating in banking sector, Bank Victoria’s
segmen operasi Bank Victoria hanya terdiri dari 1 (satu) segmen operating segment only consists of 1 (one) segment, namely the
yaitu segmen konvensional. Adapun uraian terkait kinerja segmen conventional segment. The description regarding the conventional
konvensional sepanjang tahun 2023 diuraikan sebagai berikut: segment performance throughout 2023 is outlined as follows:
Segmen Konvensional Conventional Segment
Segmen konvensional Bank Victoria terdiri atas produk simpanan, Bank Victoria’s conventional segment consists of savings
produk pinjaman, dan jasa layanan. products, loan products, and services.
1. Penghimpunan Dana (Simpanan) 1. Funding (Savings)
Produk simpanan merupakan dana pihak ketiga yang berhasil Savings products are third party funds that have been
dihimpun oleh Bank melalui berbagai produk tabungan, giro, collected by the Bank through various savings deposits,
dan deposito. Kinerja operasional produk simpanan Bank demand deposits, and time deposits products. The operating
dalam 2 (dua) tahun terakhir diuraikan sebagai berikut: performance of the Bank’s savings products for the last
2 (two) years is described as follows:
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Total Rekening Dana Pihak Ketiga
Total Accounts of Third-Party Funds
(dalam unit rekening, kecuali dinyatakan lain / in account unit, unless stated otherwise)
Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2023 Composition 2022 Composition Increase Description
(%) (%) (Decrease)
(%)
Tabungan 41,191 65.71 42,100 68.23 (2.16) Savings Deposits
Giro 2,564 4.09 2,461 3.99 4.19 Demand Deposits
Deposito Berjangka 18,781 29.96 16,947 27.47 10.82 Time Deposits
Negotiable Certificate Negotiable Certificate
150 0.24 191 0.31 (21.47)
Deposits Deposits
Total 62,686 100.00 61,699 100.00 1.59 Total
Total rekening dana pihak ketiga yang berhasil dihimpun oleh The total accounts of third party funds collected by Bank Victoria
Bank Victoria tercatat sebesar 62.686 unit rekening pada tahun were 62,686 account units in 2023. This amount increased
2023. Jumlah tersebut meningkat 1,59% dari sebelumnya by 1.59% from previously 61,699 account units in 2022. Such
tercatat sebesar 61.699 unit rekening pada tahun 2022. increase was contributed by time deposits product of 10.82%.
Peningkatan tersebut dikontribusikan oleh produk deposito
berjangka sebesar 10,82%.
Total Dana Pihak Ketiga
Total Third-Party Funds
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2023 Composition 2022* Composition Increase Description
(%) (%) (Decrease)
(%)
Tabungan 2,881,781 12.85 3,148,224 16.25 (8.46) Savings Deposits
Giro 2,484,506 11.08 2,383,881 12.31 4.22 Demand Deposits
Deposito Berjangka 16,668,585 74.32 13,628,891 70.35 22.30 Time Deposits
Negotiable Certificate Negotiable Certificate
394,309 1.76 210,841 1.09 87.02
Deposits Deposits
Total 22,429,180 100.00 19,371,837 100.00 15.78 Total
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022 / Consolidation until the date of divestment of Subsidiary on 22 December 2022.
Sementara itu, total dana pihak ketiga yang berhasil dihimpun Meanwhile, the total third party funds collected by Bank Victoria
Bank Bank Victoria per 31 Desember 2023 mengalami as of 31 December 2023 increased by 15.78% from previously
peningkatan sebesar 15,78% dari sebelumnya sebesar Rp19,37 Rp19.37 trillion as of 31 December 2022 to Rp22.43 trillion. This
triliun per 31 Desember 2022 menjadi Rp22,43 triliun. Hal was affected by the increase in demand deposits, time deposits,
tersebut dipengaruhi oleh peningkatan giro, deposito berjangka, and negotiable certificate deposits.
dan negotiable certificate deposits.
2. Penyaluran Dana (Pinjaman) 2. Lending (Loans)
Produk pinjaman merupakan pemberian kredit kepada pihak Loan products are credit provision to third parties, either
ketiga, baik perorangan maupun perusahaan. Pelaksanaan individual or company. The provision of loans is carried out
pemberian kredit dilakukan dengan tetap memperhatikan with due regard to the prudential principles and sound credit
prinsip kehati-hatian dan prosedur perkreditan yang sehat. procedures. Loan product performance throughout 2023 is
Kinerja produk pinjaman sepanjang tahun 2023 diuraikan described as follows:
sebagai berikut:
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Produk Pinjaman berdasarkan Pihak
Loan Products by Parties
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2023 Composition 2022* Composition Increase Description
(%) (%) (Decrease)
(%)
Pihak Ketiga 18,484,847 99.23 15,751,345 99.54 17.35 Third Parties
Pihak Berelasi 143,896 0.77 73,266 0.46 96.40 Related Parties
Total 18,628,743 100.00 15,824,611 100.00 17.72 Total
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022 / Consolidation until the date of divestment of Subsidiary on 22 December 2022.
Pada tahun 2023, Bank Victoria menyalurkan pinjaman kepada In 2023, Bank Victoria disbursed loans to third parties of Rp18.48
pihak ketiga sebesar Rp18,48 triliun, meningkat 17,35% trillion, an increase of 17.35% compared to in 2022 of Rp15.75
dibandingkan tahun 2022 sebesar Rp15,75 triliun. Sedangkan trillion. Meanwhile, to related parties, the Bank disbursed loans
kepada pihak berelasi, Bank menyalurkan pinjaman sebesar of Rp143.90 billion, higher than that of the previous year of
Rp143,90 miliar, lebih tinggi dibandingkan tahun sebelumnya Rp73.27 billion. Compositionally, loan products based on parties
sebesar Rp73,27 miliar. Secara komposisi, produk pinjaman were dominated by loans to third parties with a composition of
berdasarkan pihak tetap didominasi oleh pinjaman kepada pihak 99.23%.
ketiga dengan komposisi 99,23%.
Produk Pinjaman berdasarkan Jenis Pinjaman
Loan Products by Types of Loans
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2023 Composition 2022* Composition Increase Description
(%) (%) (Decrease)
(%)
Pinjaman Tetap 9,697,513 52.06 8,860,926 55.99 9.44 Fixed Loans
Pinjaman Konsumen 164,627 0.88 167,465 1.06 (1.69) Consumer Loans
Pinjaman Rekening
1,871,767 10.05 1,677,755 10.60 11.56 Overdraft Loans
Koran
Pinjaman Tetap dengan Fixed Loans with
6,864,293 36.85 5,078,177 32.09 35.17
Angsuran Installments
Pinjaman Serba Guna 30,543 0.16 40,288 0.25 (24.19) Other Loans
Total 18,628,743 100.00 15,824,611 100.00 17.72 Total
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022 / Consolidation until the date of divestment of Subsidiary on 22 December 2022.
Sepanjang tahun 2023, Bank menyalurkan total pinjaman sebesar Throughout 2023, the Bank disbursed total loans of Rp18.63
Rp18,63 triliun, meningkat sebesar 17,72% dibandingkan tahun trillion, an increase of 17.72% compared to Rp15.82 trillion in
2022 sebesar Rp15,82 triliun. Peningkatan ini khususnya karena 2022. This increase was mainly due to fixed loan products with
produk pinjaman tetap dengan angsuran, rekening koran, dan installments, overdraft loans, and fixed loans.
pinjaman tetap.
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Produk Pinjaman berdasarkan Sektor Ekonomi
Loan Products by Economic Sector
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2023 Composition 2022* Composition Increase Description
(%) (%) (Decrease)
(%)
Lembaga Pembiayaan 5,563,012 29.86 3,810,285 24.08 46.00 Financing
Perdagangan, Restoran, Trading, Restaurant,
3,574,240 19.19 3,471,734 21.94 2.95
dan Hotel and Hotel
Industri 2,186,357 11.74 1,546,407 9.77 41.38 Industry
Real Estat 2,533,799 13.60 2,434,559 15.38 4.08 Real Estate
Konstruksi 852,268 4.58 782,272 4.94 (5.68) Construction
Jasa-Jasa Sosial/ Social Community
349,351 1.88 423,151 2.67 (17.44)
Masyarakat Service
Lain-Lain 3,569,716 19.16 3,356,203 21.21 9.77 Others
Total 18,628,743 100.00 15,824,611 100.00 17.72 Total
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022 / Consolidation until the date of divestment of Subsidiary on 22 December 2022.
Berdasarkan sektor ekonomi, kontribusi penyaluran pinjaman Based on economic sector, the largest contribution to lending
terbesar pada tahun 2023 berasal dari sektor lembaga in 2023 came from the financing sector of Rp5.56 trillion or
pembiayaan sebesar Rp5,56 triliun atau 29,86% dari total 29.86% of the total loans. Meanwhile, the smallest contribution
pinjaman. Sedangkan, kontribusi penyaluran pinjaman terkecil to lending in 2023 came from social community service sector of
pada tahun 2023 berasal dari sektor jasa-jasa sosial/masyarakat Rp349.35 billion or 1.88% of the total loans.
sebesar Rp349,35 miliar atau 1,88% dari total pinjaman.
Produk Pinjaman UMKM
MSME Loan Products
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2023 Composition 2022* Composition Increase Description
(%) (%) (Decrease)
(%)
Usaha Mikro - - - - - Micro Business
Usaha Kecil 16,499 0.54 20,696 0.85 (20.28) Small Business
Usaha Menengah 3,037,478 99.46 2,424,657 99.15 25.27 Medium Business
Total 3,053,977 100.00 2,445,353 100.00 24.89 Total
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022 / Consolidation until the date of divestment of Subsidiary on 22 December 2022.
Pada tahun 2023, kinerja pinjaman UMKM mengalami In 2023, the performance of MSME loans increased by 24.89%
peningkatan sebesar 24,89% dibandingkan tahun sebelumnya compared to that of the previous year of Rp2.45 trillion in 2022.
tercatat sebesar Rp2,45 triliun pada tahun 2022. Peningkatan Such increase was mainly due to the increase in medium business
tersebut terutama disebabkan oleh kenaikan pada usaha by 25.27%.
menengah sebesar 25,27%.
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
3. Jasa Layanan 3. Services
Bank Victoria memberikan berbagai layanan penunjang yang Bank Victoria provides a variety of supporting services aimed
bertujuan untuk memudahkan nasabah dalam melakukan at facilitating customers in conducting banking transactions.
transaksi perbankan. Pada tahun 2023, kinerja operasional In 2023, the operational performance of Bank Victoria’s
dari layanan perbankan Bank Victoria diuraikan sebagai banking services was described as follows:
berikut:
Layanan Keuangan
Financial Services
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2023 Composition 2022* Composition Increase Description
(%) (%) (Decrease)
(%)
Kliring 584,733 31.00 116,756 4.61 400.82 Clearing
Postpaid 7,748 0.41 699 0.03 1,008.44 Postpaid
Prepaid 111 0.01 9 0.00 1,133.33 Prepaid
Pembayaran Telkom 8,429 0.45 805 0.03 947.08 Telkom Payment
Pembayaran Gaji Employees’ Salary
14,597 0.77 4,762 0.19 206.53
Karyawan Payments
ATM Victoria 1,270,649 67.36 2,408,529 95.14 (47.24) ATM Victoria
Total 1,886,267 100.00 2,531,560 100.00 (25.49) Total
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022 / Consolidation until the date of divestment of Subsidiary on 22 December 2022.
Pada tahun 2023, jasa layanan keuangan Bank Victoria tercatat In 2023, Bank Victoria’s financial services decreased by 25.49%,
mengalami penurunan sebesar 25,49%, dari Rp2,53 triliun di from Rp2.53 trillion in 2022 to Rp1.89 trillion in 2023. Such
tahun 2022 menjadi Rp1,89 triliun di tahun 2023. Penurunan decrease was mainly from ATM Victoria.
tersebut bersumber dari ATM Victoria.
Layanan Bank Devisa Foreign Exchange Bank Services
Total Rekening Dana Pihak Ketiga Layanan Bank Devisa
Total Third-Party Accounts for Foreign Exchange Bank Services
(dalam unit rekening, kecuali dinyatakan laint / in account unit, unless stated otherwise)
Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2023 Composition 2022 Composition Increase Description
(%) (%) (Decrease)
(%)
Giro 2,564 11.93 686 70.29 273.76 Demand Deposits
Deposito Berjangka 18,931 88.07 290 29.71 6,427.93 Time Deposits
Total 21,495 100.00 976 100.00 2,102.36 Total
Total rekening dana pihak ketiga dari layanan bank devisa di Total third party fund accounts from foreign exchange bank
tahun 2023 mencapai 21.495 unit rekening. Jumlah tersebut services in 2023 reached 21,495 account units. This number
mengalami peningkatan signifikan sebesar 2.102,36% dibanding increased significantly by 2,102.36% compared to that of 2022
tahun 2022 yang mencapai 976 unit rekening. Peningkatan of 976 account units. Such increase was affected by time deposits
tersebut dipengaruhi oleh deposito berjangka sebesar 6.427,93%. of 6,427.93%.
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Total Dana Pihak Ketiga Layanan Bank Devisa
Total Third-Party Funds for Foreign Exchange Bank Services
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2023 Composition 2022* Composition Increase Description
(%) (%) (Decrease)
(%)
Giro 2,484,505 12.71 65,828 12.28 3,674.24 Demand Deposits
Deposito Berjangka 17,062,893 87.29 470,087 87.72 3,529.73 Time Deposits
Total 19,547,398 100.00 535,915 100.00 3,547.48 Total
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022 / Consolidation until the date of divestment of Subsidiary on 22 December 2022.
Sejalan dengan meningkatnya jumlah rekening dana pihak ketiga In line with the increase in the total accounts of third party
dari layanan bank devisa di tahun 2023, dana yang terkumpul deposits from foreign exchange bank services in 2023, the funds
juga mengalami peningkatan sebesar 3.547,48% menjadi collected also increased by 3,547.48% from previously Rp19.55
Rp19,55 triliun dari sebelumnya Rp535,92 miliar di tahun 2022. trillion to Rp535.92 billion in 2022. Such case mainly came from
Hal tersebut terutama bersumber dari deposito berjangka yang time deposits that increased by 3,529.73%.
meningkat sebesar 3.529,73%.
Transaksi melalui Jaringan Layanan Utama Transactions through the Main Service
Network
Jumlah Transaksi
Total Transactions
Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2023 Composition 2022 Composition Increase Description
(%) (%) (Decrease)
(%)
Mobile Banking 1,765,192 71.78 154,027 14.55 1,046.03 Mobile Banking
Internet Banking 17,118 0.70 15,285 1.44 11.99 Internet Banking
Teller 12,974 0.53 16,042 1.52 (19.12) Teller
ATM 664,001 26.99 873,078 82.49 (23.95) ATM
Total 2,459,285 100.00 1,058,432 100.00 132.35 Total
Nilai Transaksi
Total Transactions
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan
Komposisi Komposisi (Penurunan)
Uraian 2023 Composition 2022 Composition Increase Description
(%) (%) (Decrease)
(%)
Mobile Banking 9,747,257 74.86 735,230 4.47 1,225.74 Mobile Banking
Internet Banking 479,592 3.68 4,763,052 28.93 (89.93) Internet Banking
Teller 1,524,000 11.70 8,557,229 51.98 (82.19) Teller
ATM 1,270,649 9.76 2,408,529 14.63 (47.24) ATM
Total 13,021,498 100.00 16,464,040 100.00 (20.91) Total
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pada tahun 2023, nilai transaksi yang dibukukan Bank Victoria In 2023, the transaction value recorded by Bank Victoria through
melalui jaringan layanan utama tercatat sebesar Rp13,02 its main service network was Rp13.02 trillion, 20.91% lower
triliun, lebih rendah 20,91% dari periode sebelumnya yang than that of the previous period of Rp16.46 trillion. The highest
tercatat sebesar Rp16,46 triliun. Penurunan transaksi tertinggi decline in transactions was contributed by internet banking and
dikontribusikan oleh internet banking dan teller. teller.
Pendapatan dan Profitabilitas Income and Profitability
Kinerja profitabilitas segmen konvensional Bank Victoria The profitability performance of Bank Victoria’s conventional
sepanjang tahun 2023 disajikan sebagai berikut: segment throughout 2023 is presented as follows:
Segmen Usaha
Business Segment
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Uraian Konvensional Syariah Eliminasi
Total
Description Conventional Sharia Elimination
2023
Pendapatan Bunga dan Syariah -
Bersih 578,729 - - 578,729
Interest and Sharia Income - Net
Pendapatan Operasional Lainnya
253,365 - - 253,365
Other Operating Income
Beban Operasional Lainnya
(626,226) - - (626,226)
Other Operating Expenses
Laba/(Rugi) Operasional
205,868 - - 205,868
Profit/(Loss) from Operations
Total Aset
29,624,240 - - 29,624,240
Total Assets
Total Liabilitas
25,799,455 - - 25,799,455
Total Liabilities
2022*
Pendapatan Bunga dan Syariah -
Bersih 699,307 34,074 - 733,381
Interest and Sharia Income - Net
Pendapatan Operasional Lainnya
377,772 6,038 (3,606) 380,203
Other Operating Income
Beban Operasional Lainnya
(663,475) (36,042) - (699,517)
Other Operating Expenses
Laba/(Rugi) Operasional
413,603 4,070 (3,606) 414,066
Profit/(Loss) from Operations
Total Aset
25,932,001 - - 25,932,001
Total Assets
Total Liabilitas
22,231,538 - - 22,231,538
Total Liabilities
Kenaikan (Penurunan) / Increase (Decrease) (%)
Pendapatan Bunga dan Syariah -
Bersih (17.24) (100.00) - (21.09)
Interest and Sharia Income - Net
Pendapatan Operasional Lainnya
(32.93) (100.00) (100.00) (33.36)
Other Operating Income
Beban Operasional Lainnya
(5.61) (100.00) - (10.48)
Other Operating Expenses
Laba/(Rugi) Operasional
(50.23) (100.00) (100.00) (50.28)
Profit/(Loss) from Operations
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Uraian Konvensional Syariah Eliminasi
Total
Description Conventional Sharia Elimination
Total Aset
14.24 - - 14.24
Total Assets
Total Liabilitas
16.05 - - 16.05
Total Liabilities
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022 / Consolidation until the date of divestment of Subsidiary on 22 December 2022.
‘
Pada tahun 2023, segmen konvensional mencatatkan penurunan In 2023, the conventional segment recorded a decrease in net
pendapatan bunga dan syariah - bersih sebesar 17,24%, dari interest and sharia income of 17.24%, from previously Rp699.31
sebelumnya Rp699,31 miliar menjadi Rp578,73 miliar. Dari billion to Rp578.73 billion. In terms of other operating income,
sisi pendapatan operasional lainnya, segmen konvensional the conventional segment in 2023 decreased by 32.93% from
pada tahun 2023 menurun 32,93% dari sebelumnya mencapai previously reaching Rp377.77 billion to Rp253.37 billion.
Rp377,77 miliar menjadi Rp253,37 miliar.
Dari segi profitabilitas, terjadi penurunan pada segmen In terms of profitability, there was a decrease in the conventional
konvensional sebesar 50,23% dari sebelumnya menghasilkan segment of 50.23% from previously a profit of Rp413.60 billion
laba sebesar Rp413,60 miliar menjadi Rp205,87 miliar di tahun to Rp205.87 billion in 2023. Meanwhile, the total assets and
2023. Sementara total aset dan liabilitas segmen konvensional liabilities of the conventional segment as of the end of 2023
per akhir tahun 2023 mengalami peningkatan masing-masing increased by 14.24% and 16.05%, respectively.
sebesar 14,24% dan 16,05%.
Segmen Geografis
Geographical Segment
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Jawa
Tengah dan
Uraian Jawa Barat Jawa Timur Luar Jawa
Jadetabek Total
Description West Java Central Non Java
Java and
East Java
2023
Pendapatan Bunga dan Syariah
- Bersih 605,904 7,713 (5,953) (28,934) 578,729
Interest and Sharia Income - Net
Pendapatan Operasional Lainnya
244,425 2,810 3,732 2,398 253,365
Other Operating Income
Beban Operasional Lainnya
286,330 2,492 (39,104) (43,849) 205,868
Other Operating Expenses
Laba/(Rugi) Operasional
182,165 2,491 (39,049) (43,790) 101,816
Profit/(Loss) from Operations
Total Aset
28,781,507 245,132 398,883 198,719 29,624,240
Total Assets
Total Liabilitas
23,861,711 260,086 756,951 920,707 25,799,455
Total Liabilities
2022*
Pendapatan Bunga dan Syariah
- Bersih 739,975 (410) 7,588 (13,772) 733,381
Interest and Sharia Income - Net
Pendapatan Operasional Lainnya
372,687 901 4,885 1,730 380,203
Other Operating Income
Beban Operasional Lainnya
468,834 (9,303) (20,516) (24,948) 414,066
Other Operating Expenses
Laba/(Rugi) Operasional
280,879 (9,303) (20,454) (24,948) 226,173
Profit/(Loss) from Operations
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Jawa
Tengah dan
Uraian Jawa Barat Jawa Timur Luar Jawa
Jadetabek Total
Description West Java Central Non Java
Java and
East Java
Total Aset
25,223,757 133,707 342,257 232,281 25,932,001
Total Assets
Total Liabilitas
20,720,713 244,547 588,098 678,179 22,231,538
Total Liabilities
Kenaikan (Penurunan) / Increase (Decrease) (%)
Pendapatan Bunga dan Syariah
- Bersih (18.12) 1,979.10 (178.46) 110.10 (21.09)
Interest and Sharia Income - Net
Pendapatan Operasional Lainnya
(34.42) 211.77 (23.60) 38.63 (33.36)
Other Operating Income
Beban Operasional Lainnya
(38.93) 126.78 90.60 75.76 (50.28)
Other Operating Expenses
Laba/(Rugi) Operasional
(35.14) 126.77 90.91 75.52 (54.98)
Profit/(Loss) from Operations
Total Aset
14.10 83.34 16.54 (14.45) 14.24
Total Assets
Total Liabilitas
15.16 6.35 28.71 35.76 16.05
Total Liabilities
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022 / Consolidation until the date of divestment of Subsidiary on 22 December 2022.
Segmen geografis Bank Victoria terdiri dari 4 (empat) wilayah, The geographical segment of Bank Victoria is divided into 4 (four)
yakni Jadetabek, Jawa Barat, Jawa Tengah dan Jawa Timur, serta areas, which are Jadetabek, West Java, Central Java and East Java,
luar Jawa. Pertimbangan untuk membagi operasi bisnis menjadi 4 and non Java. Considerations for dividing the business operations
(empat) segmen geografis ini didasarkan pada kondisi lingkungan into 4 (four) geographical segments are based on different
yang berbeda di setiap wilayah ekonomi tersebut, yang disertai environmental conditions in each of these economic areas, which
dengan jenis risiko dan peluang yang berbeda pula. are accompanied by different types of risks and opportunities.
Dari segi pendapatan bunga dan syariah – bersih, wilayah Jawa In terms of net interest and sharia income, West Java area
Barat mencatatkan pertumbuhan tertinggi sebesar 1.979,10%, recorded the highest growth of 1,979.10%, while Jadetabek,
sedangkan wilayah Jadetabek, Jawa Tengah dan Jawa Timur, Central Java and East Java, and Outer Java areas recorded a
serta Luar Jawa mencatatkan penurunan masing-masing sebesar decline of 18.12%, 178.46%, and 110.10%, respectively. In
18,12%, 178,46%, dan 110,10%. Dari segi profitabilitas, terjadi terms of profitability, there was the highest increase in West Java
peningkatan tertinggi pada wilayah Jawa Barat sebesar 126,77% area of 126.77% from previously loss of Rp9.30 billion to profit
dari sebelumnya menghasilkan rugi sebesar Rp9,30 miliar of Rp2.49 billion in 2023. Meanwhile, the profits in Jadetabek
menjadi laba sebesar Rp2,49 miliar di tahun 2023. Sementara area declined by 35.14%, from previously resulting a profit of
penurunan laba pada wilayah Jadetabek sebesar 35,14% dari Rp280.88 billion to Rp182.17 billion in 2023.
sebelumnya menghasilkan laba sebesar Rp280,88 miliar menjadi
Rp182,17 miliar di tahun 2023.
Keempat segmen geografis ini mencatat peningkatan yang These four geographical segments recorded increases of varying
beragam nilainya pada total aset dan liabilitas masing-masing, values in their respective total assets and liabilities, with the
dengan peningkatan aset tertinggi berdasarkan persentase highest increase in assets by percentage occurring in West Java
terjadi di wilayah Jawa Barat sebesar 83,34%. Selain itu, area by 83.34%. In addition, the largest increase in liabilities also
peningkatan liabilitas terbesar juga terjadi di wilayah Luar Jawa occurred in Non Java area with a growth of 35.76%.
dengan pertumbuhan sebesar 35,76%.
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Prospek Usaha 2024 2024 Business Outlook
Setelah mengalami pelambatan di tahun 2023, perekonomian After experiencing a slowdown in 2023, the global economy
global diperkirakan masih terus dibayangi berbagai risiko dan is expected to continue to be shadowed by various risks and
ketidakpastian. Mulai dari risiko pertumbuhan ekonomi Tiongkok uncertainties. Such matters start from the risk of weakening
yang melemah, harga komoditas yang volatile, geopolitik Chinese economic growth, volatile commodity price, geopolitics
perang Ukraina-Rusia dan konflik Palestina-Israel, fragmentasi of the Ukraine-Russia war and the Palestine-Israel conflict,
ekonomi, ancaman El Nino dan perubahan iklim, risiko debt- economic fragmentation, threat of El Nino and climate change,
distress, kontraksi PMI Manufaktur global, serta meningkatnya risk of debt-distress, contraction of global Manufacturing PMI, as
harga minyak dunia. Pertumbuhan ekonomi global diperkirakan well as rising world oil prices. Global economic growth is estimated
hanya tumbuh 2,8% pada tahun 2024. Berbeda dengan ekonomi to grow only 2.8% in 2024. In contrast to global economy,
global, perekonomian Indonesia diprediksi tumbuh pada kisaran the Indonesian economy is predicted to grow in the range of
4,7%-5,5% pada tahun 2024. Perbaikan ekonomi indonesia 4.7%-5.5% in 2024. Improvement in Indonesian economy will
akan terus berlanjut yang ditopang oleh konsumsi swasta yang continue, supported by the increasing private consumption,
meningkat sejalan dengan terjaganya daya beli, dukungan in line with maintained purchasing power, support from fiscal
kebijakan fiskal dan moneter, serta makin besarnya peran and monetary policies, and increasing role of young millennial
generasi muda milenial. generation.
Selain itu, kinerja investasi juga diprediksi akan meningkat Furthermore, investment performance is also predicted to
seiring dengan peningkatan ekspor dan juga berlanjutnya increase in line with the increase in export and the continuation
PSN, sedangkan kinerja ekspor akan meningkat seiring dengan of National Strategic Program (PSN), while export performance
perbaikan prospek ekonomi global dan makin maraknya program will increase in line with improvements in global economic
hilirisasi di berbagai sektor. Konsistensi implementasi reformasi outlook and increasing proliferation of downstream program in
struktural, termasuk melalui pembangunan infrastruktur, various sectors. Consistent implementation of structural reforms,
implementasi Undang-Undang Cipta Kerja, berbagai program including through infrastructure development, implementation
hilirisasi, akselerasi digitalisasi, dan penguatan sumber daya of Job Creation Law, various downstream programs, accelerated
manusia akan mampu memperkuat kapasitas perekonomian digitalization, and strengthening human resources, will
sehingga ekonomi dapat tumbuh lebih tinggi tanpa memberikan strengthen the economic capacity so as economy can grow
tekanan yang signifikan pada stabilitas. higher without placing significant pressure on stability.
Sementara itu, pelonggaran juga dilakukan pada seluruh Meanwhile, loosening is also carried out on all macroprudential
instrumen kebijakan makroprudensial yang diarahkan pada policy instruments aimed at targeting loan/financing growth of
sasaran pertumbuhan kredit/pembiayaan mencapai sekitar around 10%-12% in 2024 and 11%-13% in 2025 with financial
10%-12% pada 2024 dan 11%-13% pada 2025 dengan stabilitas system stability maintained. The direction of macroprudential
sistem keuangan tetap terjaga. Arah kebijakan makroprudensial policy is based on a balance of three targets, namely optimal
dimaksud didasarkan pada keseimbangan tiga sasaran, yaitu loan growth, maintained financial system stability (SSK), and
pertumbuhan kredit optimal, stabilitas sistem keuangan (SSK) economic and financial inclusion. Optimizing such three targets
terjaga, serta inklusi ekonomi dan keuangan. Optimalisasi ketiga is important to maintain conducive macrofinancial linkages,
sasaran ini penting untuk menjaga tetap kondusifnya keterkaitan including loan supply capacity by the Bank, loan demand from
makrofinansial, termasuk kapasitas penawaran kredit oleh priority sectors, the need to maintain adequate liquidity, and
perbankan, permintaan kredit dari sektor prioritas, perlunya mitigate SSK risks that may arise from volatility in Rupiah
menjaga kecukupan likuiditas, serta mitigasi risiko SSK yang exchange rate and rising Government Securities (SBN) yields.
dapat muncul dari volatilitas nilai tukar Rupiah dan naiknya yield
SBN.
Source:
Sumber: • Bank Indonesia, “Indonesia Economic Report 2023”; and
• Bank Indonesia, “Laporan Perekonomian Indonesia Tahun 2023”; dan • Coordinating Ministry for the Economy of the Republic of Indonesia, “Press Release
• Kementerian Koordinator Bidang Perekonomian Republik Indonesia, “Siaran - Pursuing Economic Growth Achievements in 2024, Coordinating Minister Airlangga
Pers - Kejar Capaian Pertumbuhan Ekonomi di 2024, Menko Airlangga Tegaskan Emphasizes the Importance of Synergy and Contribution to Building Optimism for
Pentingnya Sinergi dan Kontribusi untuk Membangun Optimisme Ekonomi the Indonesian Economy”.
Indonesia”.
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Strategi dan Rencana Kerja 2024 Strategies and Work Plans in 2024
Dalam upaya menciptakan pertumbuhan yang berkelanjutan, To create a sustainable growth, Bank Victoria has set short-term
Bank Victoria telah menetapkan target jangka pendek yang targets to be achieved within the next one year and medium-term
akan dicapai dalam waktu setahun ke depan dan target targets for the next 3 (three) years with due observance of the
jangka menengah untuk 3 (tiga) tahun mendatang dengan Bank’s vision-mission, strategies, general policies, conditions
memperhatikan visi-misi, strategi, kebijakan umum, kondisi dan and internal capacity, as well as forecasts for developments in
kapasitas internal Bank, serta perkiraan perkembangan kondisi external environmental conditions to come. Several short-term
lingkungan eksternal pada tahun yang akan datang. Beberapa targets to be achieved by Bank Victoria are outlined as follows:
target jangka pendek yang ingin dicapai Bank Victoria diuraikan
sebagai berikut:
1. Menjaga rasio kecukupan modal (CAR) di level yang kuat 1. Maintaining the capital adequacy ratio (CAR) at a strong level
guna mengantisipasi potensi risiko dan pertumbuhan serta to anticipate potential risks and growth as well as stricter
regulasi permodalan yang lebih ketat; capital regulations;
2. Meningkatkan pertumbuhan dana pihak ketiga dan total aset 2. Increasing the growth of third party funds and total assets at
sekitar 7%-9% menyesuaikan kondisi ekonomi yang masih around 7%-9%, making adjustments to economic conditions
penuh ketidakpastian dengan potensi pelambatan; which are still full of uncertainty with potential of slowdown;
3. Melanjutkan dan melakukan Penawaran Umum Berkelanjutan 3. Continuing and conducting a Sustainable Public Offering
(PUB). Selain itu, Bank juga melanjutkan penerbitan (PUB). Moreover, the Bank also continues to issue negotiable
negotiable certificate of deposit. certificates of deposit.
4. Mempertahankan dan meningkatkan pertumbuhan margin 4. Maintaining and increasing margin growth with an upward
dengan kecenderungan naik yakni net interest margin trend, that is net interest margin by controlling the cost of
dengan mengendalikan cost of fund; funds;
5. Menambah jaringan kantor baru secara selektif untuk 5. Adding new office networks selectively to expand geographic
memperluas area geografis dan optimalisasi melalui evaluasi area and optimizing through evaluating performance of the
kinerja jaringan kantor cabang yang telah ada, sehingga dapat existing branch office network, so as to improve its customer
meningkatkan layanan nasabah, efisiensi, dan produktivitas; service, efficiency, and productivity;
6. Melanjutkan sinergi pengembangan bisnis dengan Grup 6. Continuing business development synergy with the business
usaha melalui pemanfaatan jaringan Kantor Cabang untuk group by utilizing Office network for Sharia Bank (LSB)
Layanan Syariah Bank (LSB) dengan tetap memperhatikan Services while still observing the prudential principles in
prinsip kehati-hatian dalam pelaksanaan sinergi perbankan; implementing banking synergy;
7. Melanjutkan pengembangan inovasi dan layanan produk 7. Continuing innovation development and Bank product
Bank guna memenuhi dan meningkatkan kebutuhan nasabah; services to meet and improve customer needs;
8. Mengurangi agunan yang diambil alih (AYDA), serta 8. Reducing foreclosed assets (AYDA), and improving credit
memperbaiki kualitas kredit dengan menekan rasio NPL di quality by reducing the net NPL ratio at the end of 2024;
akhir tahun 2024; 9. Implementing and developing an information technology-
9. Menerapkan dan mengembangkan sistem informasi based management information system with high quality
manajemen berbasis teknologi informasi dengan kualitas security standards, expected to provide better and safer
standar keamanan tinggi yang diharapkan bisa menghadirkan services for customers; and
layanan yang lebih baik dan lebih aman bagi nasabah; dan 10. Implementing the concept of GCG improvement and
10. Mengimplementasikan konsep perbaikan GCG dan strong and adequate risk management through sustainable
manajemen risiko yang kuat serta memadai melalui implementation.
implementasi yang berkelanjutan.
Dalam jangka menengah (hingga akhir tahun 2026), Bank In medium term (until the end of 2026), the Bank sets the
menetapkan beberapa target sebagai berikut: following targets:
1. Melanjutkan strategi pengembangan bisnis secara organik, 1. Continuing the organic business development strategy,
terutama dengan ditopang pengembangan bisnis melalui particularly supported by business development through
sinergi Grup; Group synergy;
2. Memperbaiki struktur pendanaan khususnya komposisi dana 2. Improving funding structure, particularly the composition
pihak ketiga, dengan mendorong CASA (dana murah) lebih of third party funds, by encouraging more CASA (low-cost
banyak, sehingga mampu menurunkan cost of fund; funds), so as to reduce the cost of funds;
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3. Melanjutkan komitmen penguatan GCG yang memadai, 3. Continuing the commitment in adequate strengthening of
sehingga berjalan maksimal dan sesuai dengan ketentuan GCG so that it runs optimally and in accordance with the
regulator; regulatory provisions;
4. Melanjutkan investasi strategis dalam teknologi informasi 4. Continuing strategic investment in information technology,
yang di antaranya peningkatan proses, kontrol, kualitas among others improving processes, control, service quality,
layanan, dan produktivitas di dalam aktivitas penyelenggaraan and productivity in information technology operations and
teknologi informasi dan kegiatan operasional Bank guna the Bank’s operational activities to support sustainable
mendukung pertumbuhan bisnis yang berkelanjutan dengan business growth while maintaining operating expenses at a
tetap menjaga beban operasional pada tingkat yang wajar; reasonable level; and
serta
5. Menjadi lembaga keuangan yang memberikan pertumbuhan 5. Becoming a financial institution that provides sustainable
ekonomi dan bisnis yang berkesinambungan bagi seluruh economic and business growth for the entire community
masyarakat melalui layanan inklusi, memberikan dampak through inclusive services, providing a positive impact
positif kepada masyarakat dengan meningkatkan literasi on community by increasing financial literacy, providing
keuangan, memberikan kredit yang bertanggung jawab environmentally responsible loans, establishing best working
terhadap lingkungan, menciptakan kondisi kerja yang terbaik conditions for Bank employees, and implementing good
bagi karyawan Bank, serta menerapkan etika bisnis yang baik business ethics by complying with the applicable laws and
dengan mematuhi peraturan dan perundang-undangan yang regulations to encourage the success of the Sustainable
berlaku dalam rangka mendorong keberhasilan Rencana Aksi Financial Action Plan (RAKB).
Keuangan Berkelanjutan (RAKB).
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tinjauan Keuangan
Financial Overview
Laporan Posisi Keuangan Statements of Financial Position
Aset
Assets
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan (Penurunan)
Uraian 2023 2022* Increase (Decrease) Description
(Rp) (%)
Aset Keuangan / Financial Assets
Kas 92,821 51,897 40,924 78.86 Cash
Giro pada Bank Indonesia Current Accounts with Bank
1,493,077 1,506,566 (13,489) (0.90)
Indonesia
Giro pada Bank Lain – Bersih Current Account with Other Banks
296,297 228,384 67,913 29.74
– Net
Penempatan pada Bank Placements with Bank Indonesia
Indonesia dan Bank Lain - 915,369 858,328 57,041 6.65 and Other Banks - Net
Bersih
Efek-Efek - Bersih 6,277,292 4,809,690 1,467,601 30.51 Marketable Securities - Net
Efek-Efek yang Dibeli dengan Securities Purchased under Resale
636,733 839,432 (202,700) (24.15)
Janji Dijual Kembali Agreement
Pendapatan Bunga dan Syariah Interest and Sharia Income
yang Masih akan Diterima – 368,408 391,680 (23,272) (5.94) Receivables – Net
Bersih
Pinjaman yang Diberikan, Loans, Sharia Financing and
Pembiayaan dan Piutang 18,053,871 15,286,493 2,767,378 18.10 Receivables - Net
Syariah - Bersih
Tagihan Akseptasi 12,475 7,754 4,720 60.87 Acceptance Receivables
Penyertaan Saham 215,931 242,104 (26,174) (10.81) Investments in Shares
Aset Lain-Lain - Bersih 91,463 87,956 3,508 3.99 Other Assets - Net
Total Aset Keuangan 28,453,735 24,310,285 4,143,451 17.04 Total Financial Assets
Aset Non Keuangan / Non-Financial Assets
Biaya Dibayar di Muka 25,465 19,715 5,750 29.17 Prepaid Expenses
Aset Pajak Tangguhan - Bersih 163,004 197,607 (34,603) (17.51) Deferred Tax Assets - Net
Aset Tetap dan Aset Hak Guna Fixed Assets and Right-of-Use
423,227 470,853 (47,626) (10.11)
- Bersih Assets - Net
Aset Tak Berwujud - Bersih 8,193 2,531 5,662 223.68 Intangible Assets - Net
Agunan yang Diambil Alih - Foreclosed Assets - Net
550,616 931,010 (380,394) (40.86)
Bersih
Total Aset Non Keuangan 1,170,505 1,621,716 (451,211) (27.82) Total Non-Financial Assets
Total Aset 29,624,240 25,932,001 3,692,239 14.24 Total Assets
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022 / Consolidation until the date of divestment of Subsidiary on 22 December 2022.
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Total Aset Total Assets
Pada tahun 2023, Bank berhasil mencatatkan total aset sebesar In 2023, the Bank managed to record total assets of Rp26.62
Rp26,62 triliun, tumbuh 14,24% dibandingkan total aset tahun trillion, growing by 14.24% compared to total assets in 2022 of
2022 sebesar Rp25,93 triliun. Pertumbuhan total aset terutama Rp25.93 trillion. The growth in total assets was mainly due to an
disebabkan oleh meningkatnya aset keuangan Bank sebesar increase in the Bank’s financial assets by 17.04%.
17,04%.
Total Aset Keuangan Total Financial Assets
Per 31 Desember 2023, total aset keuangan Bank tercatat As of 31 December 2023, the Bank’s total financial assets were
sebesar Rp28,45 triliun, mengalami peningkatan sebesar recorded at Rp28.45 trillion, an increase of 17.04% compared to
17,04% dibandingkan tahun 2022 yang sebesar Rp24,31 Rp24.31 trillion in 2022. This increase mainly came from loans,
triliun, Peningkatan tersebut terutama berasal dari pinjaman sharia financing and receivables - net that increased by 18.10%.
yang diberikan, pembiayaan dan piutang syariah – bersih yang
meningkat sebesar 18,10%.
Total Aset Non Keuangan Total Non-Financial Assets
Total aset non keuangan Bank di tahun 2023 tercatat mengalami The Bank’s total non-financial assets in 2023 decreased by
penurunan sebesar 27,82% dari tahun sebelumnya sebesar 27.82% from that of the previous year of Rp1.62 trillion to
Rp1,62 triliun menjadi Rp1,17 triliun. Hal tersebut dipengaruhi Rp1.17 trillion. This was influenced by a decrease in foreclosed
oleh penurunan agunan yang diambil alih – bersih sebesar collateral - net of 40.86%.
40,86%.
Liabilitas Liabilities
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan (Penurunan)
Uraian 2023 2022* Increase (Decrease) Description
(Rp) (%)
Liabilitas Keuangan / Financial Liabilities
Simpanan Nasabah 22,429,180 19,371,838 3,057,343 15.78 Deposit from Customers
Simpanan dari Bank Lain 1,104,803 1,334,953 (230,149) (17.24) Deposits from Other Banks
Efek-efek yang Dijual dengan Janji Securities Sold under Repurchase
643,267 240,865 402,402 167.07
Dibeli Kembali Agreement
Efek-Efek yang Diterbitkan 1,347,640 1,051,904 295,736 28.11 Securities Issued
Utang Akseptasi 11,960 - 11,960 100.00 Acceptance Payables
Akrual dan Liabilitas Lain-Lain 193,458 160,941 32,517 20.20 Accruals and Other Liabilities
Total Liabilitas Keuangan 25,730,307 22,160,500 3,569,808 16.11 Total Financial Liabilities
Liabilitas Non Keuangan / Non-Financial Liabilities
Utang Pajak 29,310 30,841 (1,531) (4.96) Taxes Payable
Liabilitas Imbalan Kerja Karyawan 39,838 40,197 (359) (0.89) Employee Benefits Obligation
Total Liabilitas Non Keuangan 69,148 71,038 (1,890) (2.66) Total Non-Financial Liabilities
Total Liabilitas 25,799,455 22,231,538 3,567,918 16.05 Total Liabilities
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022 / Consolidation until the date of divestment of Subsidiary on 22 December 2022.
Total Liabilitas Total Liabilities
Total liabilitas per tahun 2023 mencapai Rp25,80 triliun, The total liabilities in 2023 reached Rp25.80 trillion, an increase
meningkat 16,05% dibandingkan dengan tahun 2022 yang of 16.05% compared to in 2022 of Rp22.23 trillion. This increase
mencapai Rp22,23 triliun. Peningkatan tersebut khususnya mainly came from financial liabilities that increased by 16.11%.
berasal dari liabilitas keuangan yang meningkat sebesar 16,11%.
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Total Liabilitas Keuangan Total Financial Liabilities
Pada tanggal 31 Desember 2023, total liabilitas keuangan On 31 December 2023, the Bank’s total financial liabilities were
Bank tercatat sebesar Rp25,73 triliun, meningkat sebesar recorded at Rp25.73 trillion, an increase of 16.11% compared
16,11% dibandingkan tahun 2022 sebesar Rp22,16 triliun. Hal to Rp22.16 trillion in 2022. This was affected by an increase in
ini dipengaruhi oleh peningkatan simpanan nasabah sebesar deposit from customers of 15.78%.
15,78%.
Total Liabilitas Non Keuangan Total Non-Financial Liabilities
Pada tahun 2023, total liabilitas non keuangan tercatat menurun In 2023, total non-financial liabilities decreased by 2.66%, from
sebesar 2,66%, dari sebelumnya Rp71,04 miliar menjadi previously Rp71.04 billion to Rp69.15 billion. This decrease was
Rp69,15 miliar. Penurunan tersebut khususnya disebabkan oleh mainly due to a decrease in taxes payable of 4.95%.
penurunan utang pajak sebesar 4,95%.
Ekuitas Equity
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan (Penurunan)
Uraian 2023 2022* Increase (Decrease) Description
(Rp) (%)
Ekuitas yang dapat Diatribusikan kepada Pemilik Entitas Induk / Equity Attributable to Equity Holders of the Parent Entity
Modal Saham - Nilai Nominal 1,584,824 1,584,823 0 0.00 Share Capital - Par Value
Tambahan Modal Disetor 668,685 670,585 (1,900) (0.28) Additional Paid-In Capital
Kerugian yang Belum Direalisasi Unrealised Loss on Changes in Fair
atas Perubahan Nilai Wajar Efek- Value of Marketable Securities
Efek yang Diukur pada Nilai Wajar (16,832) (38,590) (21,757) (56.38) Measured at Fair Value through
melalui Penghasilan Komprehensif Other Comprehensive Income, Net
Lain, Setelah Pajak of Tax
Surplus Revaluasi Aset Tetap, Gain on Revaluation of Fixed
382,456 382,456 0 0.00
Setelah Pajak Assets, Net of Tax
Pengukuran Kembali atas Liabilitas Remeasurements on Employee
19,467 16,819 2,648 15.74
Imbalan Kerja, Setelah Pajak Benefit Liabilities, Net of Tax
Saldo Laba: Retained Earnings:
Telah Ditentukan Appropriated
202,200 177,200 25,000 14.11
Penggunaannya
Belum Ditentukan Unappropriated
983,986 907,170 76,816 8.47
Penggunaannya
Total Ekuitas 3,824,785 3,700,463 124,322 3.36 Total Equity
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022 / Consolidation until the date of divestment of Subsidiary on 22 December 2022.
Total Ekuitas Total Equity
Total ekuitas Bank pada tahun 2023 mencapai Rp3,82 triliun, The Bank’s total equity in 2023 reached Rp3.82 trillion,
tercatat lebih tinggi 3,36% dibandingkan dengan tahun 3.36% higher compared to that of the previous year of Rp3.70
sebelumnya sebesar Rp3,70 triliun. Kondisi ini terutama trillion. This condition was mainly affected by the growth in
dipengaruhi oleh pertumbuhan saldo laba belum ditentukan unappropriated retained earnings by 8.47%.
penggunaannya sebesar 8,47%.
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Laporan Laba Rugi dan Penghasilan Statements of Profit or Loss and Other
Komprehensif Lain Comprehensive Income
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan (Penurunan)
Uraian 2023 2022* Increase (Decrease) Description
(Rp) (%)
Pendapatan Bunga dan Syariah 1,836,391 1,705,018 131,373 7.71 Interest and Sharia Income
Beban Bunga dan Syariah (1,257,662) (971,638) 286,024 29.44 Interest and Sharia Expense
Pendapatan Bunga dan Syariah - Interest and Sharia Income - Net
578,729 733,381 (154,651) (21.09)
Bersih
Pendapatan Operasional Lainnya 253,365 380,203 (126,838) (33.36) Other Operating Income
Beban Operasional Lainnya (658,023) (699,517) (41,494) (5.93) Other Operating Expenses
Laba Operasional 174,071 414,066 (239,995) (57.96) Profit from Operations
Beban Non Operasional - Bersih (44,535) (57,136) (12,601) (22.05) Non-Operating Expenses - Net
Laba Sebelum Beban Pajak Profit Before Income Tax Expense
129,536 356,931 (227,395) (63.71)
Penghasilan
Beban Pajak Penghasilan - Bersih (27,720) (130,757) (103,037) (78.80) Income Tax Expense - Net
Laba Bersih yang Dapat Net Income Attributable to:
101,816 226,173 (124,357) (54.98)
Diatribusikan kepada:
Pemilik Entitas Induk 101,816 226,173 (124,357) (54.98) Equity Holders of the Parent Entity
Kepentingan Nonpengendali - - - - Non-controlling Interest
Penghasilan (Rugi) Komprehensif Other Comprehensive Income
24,405 (70,239) 94,644 (134.75)
Lain, Setelah Pajak Penghasilan (Loss), Net of Income Tax
Penghasilan Komprehensif yang Comprehensive Income
126,222 155,935 (29,713) (19.05)
dapat Diatribusikan kepada: Attributable to:
Pemilik Entitas Induk Equity Holders of the Parent
126,222 155,935 (29,713) (19.05)
Entity
Kepentingan Nonpengendali - - - - Non-controlling Interest
Laba Bersih per Saham yang dapat Other Comprehensive Income
Diatribusikan kepada Pemilik (Loss), Net of Income Tax
Entitas Induk
Dasar (Rupiah penuh) 6.42 19.17 (12.75) (66.51) Basic (full Rupiah)
Dilusian (Rupiah penuh) 6.42 19.17 (12.75) (66.51) Diluted (full Rupiah)
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022 / Consolidation until the date of divestment of Subsidiary on 22 December 2022.
Pendapatan Bunga dan Syariah Interest and Sharia Income
Pendapatan bunga dan syariah Bank Victoria per 31 Desember Bank Victoria’s interest and sharia income as of 31 December
2023 sebesar Rp1,84 triliun, mengalami peningkatan sebesar 2023 was Rp1.84 trillion, an increase of 7.71% compared to the
7,71% dibandingkan posisi per 31 Desember 2022 sebesar Rp1,71 position as of 31 December 2022 of Rp1.71 trillion. This condition
triliun. Kondisi ini dikontribusikan oleh peningkatan pendapatan was mainly contributed by an increase in interest income by
bunga sebesar 12,28%. 12.28%.
Beban Bunga dan Syariah Interest and Sharia Expense
Beban bunga dan syariah Bank pada akhir periode 2023 The Bank’s interest and sharia expense at the end of the 2023
mengalami kenaikan sebesar 29,44%, menjadi Rp1,26 triliun dari period increased by 29.44%, to Rp1.26 trillion from previously
sebelumnya Rp971,64 miliar. Peningkatan tersebut bersumber Rp971.64 billion. This increase came from an increase in third
dari peningkatan simpanan dana pihak ketiga yaitu deposito party deposits, namely time deposits by 29.77%.
sebesar 29,77%.
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pendapatan Bunga dan Syariah – Bersih Interest and Sharia Income – Net
Pada tahun 2023, pendapatan bunga dan syariah – bersih In 2023, the net interest and sharia income was recorded at
tercatat sebesar Rp578,73 miliar, meningkat 21,09% dari tahun Rp578.73 billion, an increase of 21.09% from Rp733.38 billion in
2022 sebesar Rp733,38 miliar. Penurunan pendapatan bunga 2022. The decrease in interest and sharia income - net was mainly
dan syariah – bersih utamanya disebabkan oleh beban bunga dan due to interest and sharia expenses that increased by 29.44%.
syariah yang meningkat sebesar 29,44%.
Pendapatan Operasional Lainnya Other Operating Income
Pada tahun 2023, pendapatan operasional lainnya tercatat In 2023, other operating income decreased by 33.36% from
mengalami penurunan sebesar 33,36% dari sebelumnya sebesar previously Rp380.20 billion to Rp253.37 billion. This decrease
Rp380,20 miliar menjadi sebesar Rp253,37 miliar. Penurunan ini was mainly influenced by other operating income - net which
terutama dipengaruhi oleh pendapatan operasional lain-lain - decreased by 45.80%.
bersih yang mengalami penurunan sebesar 45,80%.
Beban Operasional Lainnya Other Operating Expenses
Di tahun 2023, beban operasional lainnya mencapai Rp658,02 In 2023, other operating expenses reached Rp658.02 billion,
miliar, tercatat menurun 5,93% dibandingkan tahun 2022 yang recorded a decrease of 5.93%, compared to Rp699.52 billion
mencapai Rp699,52 miliar. Penurunan tersebut berasal dari in 2022. This decrease came from personnel expenses which
beban tenaga kerja yang menurun sebesar 3,60%. decreased by 3.60%.
Laba Operasional Profit from Operations
Per 31 Desember 2023, laba operasional Bank mencapai Rp174,07 As of 31 December 2023, the Bank’s profit from operations
miliar. Jumlah tersebut lebih rendah 57,96% jika dibandingkan reached Rp174.07 billion. This amount was 57.96% lower
dengan periode sebelumnya sebesar Rp414,07 miliar. Penurunan compared to that of the previous period of Rp414.07 billion.
laba operasional Bank bersumber dari penurunan pendapatan The decrease in the Bank’s profit from operations came from a
bunga dan syariah – bersih sebesar 21,09%. decrease in interest and sharia income - net by 21.09%.
Beban Non Operasional – Bersih Non-Operating Expenses - Net
Beban non operasional – bersih tahun 2023 mencapai Rp44,54 Non-operating expenses – net in 2023 reached Rp44.54 billion,
miliar, menurun 22,05% dibandingkan tahun 2022 yang mencapai a decrease of 22.05% compared to that of 2022 of Rp57.14
Rp57,14 miliar. Hal tersebut disebabkan oleh penurunan laba billion. This was due to a decrease in gain on foreign exchange
revaluasi valuta asing sebesar 12,30% dan penurunan rugi revaluation of 12.30% and a decrease in loss on sale of foreclosed
penjualan AYDA sebesar 16,46%. assets of 16.46%.
Laba Sebelum Beban Pajak Penghasilan Profit Before Income Tax Expense
Per akhir tahun 2023, Bank membukukan laba sebelum beban In 2023, the Bank recorded profit before income tax expense of
pajak penghasilan sebesar Rp129,54 miliar, lebih rendah 63,71% Rp129.54 billion, a decrease of 63.71% from that of the previous
dari tahun sebelumnya sebesar Rp356,93 miliar. Penurunan year of Rp353.93 billion. This decrease was affected by the Bank’s
tersebut dipengaruhi oleh laba operasional Bank yang menurun profit from operations which decreased by 57.96%.
sebesar 57,96%.
Beban Pajak Penghasilan – Bersih Income Tax Expense – Net
Pada tahun 2023, beban pajak penghasilan – bersih tercatat In 2023, the income tax expense - net decreased by 78.80% from
mengalami penurunan sebesar 78,80% dari sebelumnya sebesar previously Rp130.76 billion to Rp27.72 billion. This decline was
Rp130,76 miliar menjadi sebesar Rp27,72 miliar. Penurunan ini mainly affected by the decrease in deferred tax.
terutama dipengaruhi oleh penurunan pajak tangguhan.
Laba Bersih Tahun Berjalan Profit for the Year
Bank membukukan laba bersih tahun berjalan di tahun 2023 The Bank recorded net profit for the year in 2023 of Rp101.82
sebesar Rp101,82 miliar menurun 54,98% dibandingkan billion, a decrease of 54.98% compared to that of the previous
tahun sebelumnya sebesar Rp226,17 miliar. Kondisi tersebut year of Rp226.17 billion. Such condition caused net profit for
menyebabkan laba bersih tahun berjalan yang dapat diatribusikan the year attributable to equity holders of the parent entity to
kepada pemilik Entitas Induk mengalami penurunan sebesar decrease by 54.98%.
54,98%.
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Penghasilan (Rugi) Komprehensif Lain, Setelah Pajak Other Comprehensive Income (Loss), Net of Income Tax
Penghasilan
Pada tahun 2023, Bank mencatatkan penghasilan komprehensif In 2023, the Bank recorded other comprehensive income, net of
lain, setelah pajak penghasilan mencapai Rp24,41 miliar, income tax, of Rp24.41 billion, an increase of 134.75% compared
mengalami peningkatan 134,75% dibandingkan dengan tahun to that of 2022 which recorded other comprehensive loss, after
2022 yang mencatatkan rugi komprehensif lain, setelah pajak income tax, of Rp70.24 billion. The increase was specifically due
penghasilan sebesar Rp70,24 miliar. Peningkatan ini khususnya to changes in fair value of marketable securities measured at fair
disebabkan oleh perubahan nilai wajar efek-efek yang diukur value through other comprehensive income that increased by
pada nilai wajar melalui penghasilan komprehensif lain yang 133.10%.
meningkat sebesar 133,10%.
Penghasilan Komprehensif Comprehensive Income
Per 31 Desember 2023, Bank Victoria membukukan penghasilan As of 31 December 2023, Bank Victoria recorded comprehensive
komprehensif sebesar Rp126,22 miliar, menurun 19,05% dari income of Rp126.22 billion, a decrease of 19.05% from that
tahun sebelumnya yang sebesar Rp155,94 miliar. Kondisi ini of the previous year of Rp155.94 billion. This condition caused
menyebabkan penghasilan komprehensif yang dapat diatribusikan comprehensive income attributable to equity holders of the
kepada pemilik Entitas Induk mengalami penurunan sebesar Parent Entity to decrease by 19.05%.
19,05%.
Laporan Arus Kas Statements of Cash Flows
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Kenaikan (Penurunan)
Uraian 2023 2022* Increase (Decrease) Description
(Rp) (%)
Arus Kas Bersih Diperoleh dari Net Cash Flow Provided from
1,279,308 1,057,052 222,257 21.03
Aktivitas Operasi Operating Activities
Arus Kas Bersih Digunakan untuk Net Cash Flow used in Investing
(1,413,275) (232,938) (1,180,337) 506.72
Aktivitas Investasi Activities
Arus Kas Bersih Diperoleh dari Net Cash Flow provided from
287,343 159,950 127,393 79.65
Aktivitas Pendanaan Financing Activities
Kenaikan Bersih Kas dan Setara Kas Net Increase on Cash and Cash
153,376 984,064 (830,688) (84.41)
Equivalents
Kas dan Setara Kas pada Awal Cash and Cash Equivalents at
2,645,188 1,886,562 758,625 40.21
Tahun Beginning of the Year
Dampak Kehilangan Pengendalian Loss of Control on Subsidiary
- (225,439) 225,439 (100.00)
Entitas Anak
Kas dan Setara Kas pada Akhir Cash and Cash Equivalents at End
2,798,564 2,645,188 153,376 5.80
Tahun of the Year
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022 / Consolidation until the date of divestment of Subsidiary on 22 December 2022.
Arus Kas Bersih Diperoleh dari Aktivitas Operasi Net Cash Flow Provided from Operating Activities
Arus kas bersih yang diperoleh dari aktivitas operasi selama tahun Net cash flow provided from operating activities in 2023 showed
2023 menunjukkan peningkatan sebesar 21,03% menjadi Rp1,28 an increase of 21.03% to Rp1.28 trillion compared to that of 2022
triliun dibandingkan di tahun 2022 yang mencapai Rp1,06 triliun. of Rp1.06 trillion. This condition was mainly due to an increase in
Kondisi ini terutama disebabkan oleh peningkatan simpanan deposits from customers by 135.20%.
nasabah sebesar 135,20%.
Arus Kas Bersih Digunakan untuk Aktivitas Investasi Net Cash Flow used in Investing Activities
Arus kas bersih digunakan untuk aktivitas investasi meningkat Net cash flow used in investing activities increased by 506.72%
sebesar 506,72% dari Rp232,94 miliar pada tahun 2022 menjadi from Rp232.94 billion in 2022 to Rp1.41 trillion in 2023. This was
Rp1,41 triliun pada tahun 2023. Hal ini khususnya dipengaruhi specifically due to an increase in sale of marketable securities by
oleh peningkatan penjualan efek-efek sebesar 495,96%. 495.96%.
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Arus Kas Bersih Diperoleh dari Aktivitas Pendanaan Net Cash Flow provided from Financing Activities
Pada tahun 2023, arus kas bersih diperoleh dari aktivitas In 2023, net cash flow provided from the Bank’s financing
pendanaan Bank mencapai Rp287,34 miliar, mengalami activities reached Rp287.34 billion, an increase of 79.65%
peningkatan sebesar 79,65%% dibandingkan dengan tahun 2022 compared to Rp159.95 billion in 2022. This increase came from
sebesar Rp159,95 miliar. Peningkatan tersebut bersumber dari bonds issuance of Rp500.00 billion.
penerbitan obligasi sebesar Rp500,00 miliar.
Rasio Keuangan Penting Significant Financial Ratios
Bank berupaya memenuhi rasio-rasio keuangan sesuai dengan The Bank strives to fulfill financial ratios in accordance with the
ketentuan yang telah ditetapkan oleh Otoritas Jasa Keuangan, provisions set by the Financial Services Authority, Bank Indonesia,
Bank Indonesia, dan peraturan terkait lainnya. Adapun informasi and other relevant regulations. Information related to the Bank’s
terkait rasio-rasio keuangan Bank untuk tahun 2022 dan 2023 financial ratios for 2022 and 2023 is presented in the following
disajikan dalam tabel berikut: table:
Tabel Rasio Keuangan Penting*
Table of Significant Financial Ratios*
(dalam % / in %)
Uraian 2023 2022 Description
Rasio Kinerja / Performance Ratio
Kewajiban Penyediaan Modal Minimum (KPMM) Capital Adequacy Ratio (CAR) for Credit,
19.95 21.97
untuk Risiko Kredit, Operasional, dan Pasar Operational, and Market Risks
Aset Produktif Bermasalah dan Aset Non- Non-Performing Earning Assets and Non-
Produktif Bermasalah terhadap Total Aset 3.91 5.89 Performing Non-Earning Assets to Total Earning
Produktif dan Non-Produktif Assets and Non-Earning Assets
Aset Produktif Bermasalah terhadap Total Aset Non-Performing Earning Assets to Total Earning
2.79 3.19
Produktif Assets
Cadangan Kerugian Penurunan Nilai (CKPN) Aset Allowance for Impairment Losses (CKPN) of
2.19 2.49
Keuangan terhadap Aset Produktif Financial Assets to Earning Assets
NPL Bruto 3.99 4.23 Gross NPL
NPL Neto 3.24 3.42 Net NPL
Imbal Hasil atas Aset (ROA) 0.48 1.47 Return on Assets (ROA)
Imbal Hasil atas Ekuitas (ROE) 3.12 9.48 Return on Equity (ROE)
Margin Bunga Bersih (NIM) 2.58 3.52 Net Interest Margin (NIM)
Beban Operasional terhadap Pendapatan Operating Expenses to Operating Income (BOPO)
91.67 79.44
Operasional (BOPO)
Cost to Income Ratio (CIR) 46.15 35.98 Cost to Income Ratio (CIR)
Rasio Pinjaman terhadap Dana Pihak Ketiga (LDR) 83.06 81.69 Loan to Deposit Ratio (LDR)
LR secara Individual 10.34 11.65 Individual LR
Rasio Pinjaman terhadap Pendanaan (LFR) 50.55 81.08 Loan to Funding Ratio (LFR)
Rasio Dana Murah (CASA) 23.93 28.56 Low-Cost Funding Ratio (CASA)
Rasio Kepatuhan / Compliance Ratios
Persentase Pelanggaran BMPK Percentage of LLL Violation
Pihak Terkait 0.00 0.00 Related Parties
Pihak Tidak Terkait 0.00 0.00 Non-Related Parties
Persentase Pelampauan BMPK Percentage of LLL Excess
Pihak Terkait 0.00 0.00 Related Parties
Pihak Tidak Terkait 0.00 0.00 Non-Related Parties
Giro Wajib Minimum (GWM) Bank Umum - Minimum Statutory Reserve (GWM) of
Konvensional Commercial Bank - Conventional
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Uraian 2023 2022 Description
Rupiah Rupiah
GWM Wajib Minimum** 7.32 7.69 Minimum Statutory GWM**
Penyangga Likuiditas Makroprudensial*** 23.73 22.82 Macroprudential Liquidity Buffer***
Rasio Intermediasi Makroprudensial**** (1.01) (2.49) Macroprudential Intermediation Ratio****
Valuta Asing 4.05 4.05 Foreign Currencies
* Merupakan angka PT Bank Victoria International Tbk (Entitas Induk saja) / The figure is of PT Bank Victoria International Tbk (Parent Entity only).
** Sebelumnya Giro Wajib Minimum Primer / Previously Primary Minimum Statutory Reserve.
*** Sebelumnya Giro Wajib Minimum Sekunder / Previously Secondary Minimum Statutory Reserve.
**** Sebelumnya Giro Wajib Minimum LFR / Previously Loan to Funding Ratio Minimum Statutory Reserve.
Kemampuan Membayar Utang dan Solvency and Receivables Collectability
Kolektibilitas Piutang
Bank mengukur kemampuannya dalam memenuhi seluruh The Bank measures its ability to meet all obligations, both
kewajiban, baik jangka pendek maupun jangka panjang dengan short-term and long term, by using liquidity ratio, solvency ratio,
menggunakan rasio likuiditas, rasio solvabilitas, dan rasio and profitability ratio. The Bank always monitors these ratios
rentabilitas. Bank senantiasa memantau rasio-rasio tersebut yang acting as parameters in measuring its ability to provide liquidity
berperan sebagai parameter dalam mengukur kemampuannya reserves. In 2023, Bank Victoria’s financial ratio performance is
dalam menyediakan cadangan likuiditas. Pada tahun 2023 kinerja described as follows:
rasio keuangan Bank Viictoria diuraikan sebagai berikut:
1. Rasio Likuiditas 1. Liquidity Ratio
Bank Victoria melakukan pengukuran tingkat likuiditas Bank Victoria measures the liquidity level by using loan to
menggunakan rasio pinjaman terhadap dana pihak ketiga (loan deposit ratio (LDR). In 2023, the Bank’s LDR ratio reached
to deposit ratio/LDR). Pada tahun 2023, rasio LDR Bank mencapai 83.06%, higher than that of 2022 of 81.69%. The ratio
83,06%, lebih tinggi dibandingkan dengan tahun 2022 mencapai achievement reflects that Bank Victoria’s liquidity condition
81,69%. Pencapaian rasio ini mencerminkan bahwa kondisi is in an optimal and sound position, because it is still within
likuiditas Bank Victoria berada dalam posisi optimal dan sehat, the limits of Bank Indonesia regulations.
karena masih berada dalam batas ketentuan Bank Indonesia.
2. Rasio Solvabilitas 2. Solvency Ratio
Salah satu parameter yang digunakan Bank dalam mengukur One parameter used by the Bank in measuring the solvency
rasio solvabilitas tercermin dari rasio kewajiban penyediaan ratio is reflected in the capital adequacy ratio (CAR) to
modal minimum (KPMM) untuk memastikan terpenuhinya ensure that credit risk, operational risk, and market risk are
risiko kredit, risiko operasional, dan risiko pasar. Pada fulfilled. In 2023, Bank Victoria’s CAR ratio reached 19.95%,
tahun 2023, rasio KPMM Bank Victoria mencapai 19,95%, a decrease compared to that of the previous year of 21.97%.
mengalami penurunan jika dibandingkan dengan tahun Based on such matter, it can be said that the Bank’s capital
tahun sebelumnya yang mencapai 21,97%. Berdasarkan hal is still in fairly good condition as the CAR ratio value is still
tersebut, permodalan Bank dapat dikatakan masih berada above the stipulated provisions.
dalam kondisi yang cukup baik karena nilai rasio KPPM masih
berada di atas ketentuan yang ditetapkan.
3. Rasio Kepatuhan 3. Compliance Ratio
Pada tahun 2023, rasio GWM primer Bank (bank konvensional) In 2023, the Bank’s primary GWM ratio (conventional bank)
tercatat sebesar 7,32% untuk mata uang Rupiah dan 4,05% was recorded at 7.32% for Rupiah currency and 4.05%
untuk valuta asing serta rasio GWM RIM untuk Bank (bank for foreign currency, and the GWM RIM ratio for the Bank
konvensional) adalah -1,01%. Sementara itu, untuk rasio (conventional bank) was -1.01%. Meanwhile, the Bank’s GWM
GWM PLM Bank sebesar 23,73%. GWM PLM/Sekunder yang PLM ratio was 23.73%. GWM PLM/Secondary maintained by
dimiliki Bank dalam bentuk Sertifikat Bank Indonesia (SBI), the Bank comprised of Certificates of Bank Indonesia (“SBI”),
Surat Utang Negara (SUN), Surat Berharga Syariah Negara Government Debenture Debt (“SUN”), Sharia Government
(SBSN), dan/atau kelebihan saldo rekening Giro Rupiah Bank Securities (“SBSN”), and/or excess reserve of the Bank’s
dari GWM primer dan GWM RIM/LFR. Bank telah memenuhi demand deposits in Rupiah over the primary GWM and GWM
peraturan Bank Indonesia yang berlaku tentang GWM bank RIM/LFR. The Bank has complied with the applicable Bank
umum konvensional pada 31 Desember 2023 dan 2022. Indonesia regulations on GMW of conventional commercial
banks as of 31 December 2023 and 2022.
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
4. Rasio Rentabilitas 4. Profitability Ratio
Bank menggunakan rasio-rasio kinerja laba seperti rasio imbal The Bank uses profit performance ratios such as return
hasil atas aset (ROA), rasio imbal hasil atas ekuitas (ROE), on assets (ROA), return on equity (ROE), net interest
rasio margin bunga bersih (NIM), dan rasio beban operasional margin (NIM) ratio, and operating expenses to operating
terhadap pendapatan operasional (BOPO) untuk mengukur income (BOPO) ratio to measure the Bank’s effectiveness
seberapa efektif Bank dalam menghasilkan keuntungan in generating profits from invested capital or from assets
dari modal yang ditanamkan atau dari aset yang dimiliki. owned. The achievement of ROA ratio, ROE ratio, NIM ratio,
Pencapaian rasio ROA, rasio ROE, rasio NIM, dan rasio BOPO and BOPO ratio in 2023 were 0.48%, 3.12%, 2.58%, and
pada tahun 2023 masing-masing sebesar 0,48%, 3,12%, 91.67%, respectively. Meanwhile, in the previous year, they
2,58%, dan 91,67%. Sedangkan, pada tahun sebelumnya were 1.47%, 9.48%, 3.52%, and 79.44%, respectively.
masing-masing sebesar 1,47%, 9,48%, 3,52%, dan 79,44%.
5. Kemampuan Membayar Utang dari Obligasi yang 5. Ability to Pay Debt from Bonds Issued
Diterbitkan
Kemampuan membayar utang Bank juga dapat tercermin dari The Bank’s ability to pay debt can also be reflected based on
peringkat pada efek-efek yang diterbitkan Bank Victoria, yaitu the rating of securities issued by Bank Victoria, which are Bonds.
Obligasi. Guna mendukung kelayakan, efek-efek yang diterbitkan In order to support the worthiness, the securities issued are
secara rutin dinilai oleh lembaga pemeringkatan. Kualitas efek assessed routinely by a rating agency. The quality of securities
sangat ditentukan oleh kemampuan perusahaan penerbit is highly determined by the capability of the securities issuance
efek dalam membayar efeknya pada saat jatuh tempo dan company in paying its securities on the maturity date and its
kemampuannya membayar bunga atau kupon selama jangka ability to pay interest or coupon throughout the issuance time
waktu penerbitan efek tersebut. Obligasi yang diterbitkan oleh period of the securities. Bonds issued by Bank Victoria are
Bank Victoria dicatatkan di Bursa Efek Indonesia. listed on Indonesia Stock Exchange.
6. Kolektibilitas Piutang 6. Receivables Collectability
Tingkat kolektibilitas piutang Bank dapat dilihat dari nilai The collectability level of the Bank receivables can be seen
rasio non performing loan (NPL). Rasio NPL menjadi tolak from the non-performing loan (NPL) ratio. The NPL ratio is
ukur untuk melihat seberapa besar kredit yang bermasalah a benchmark to observe how big the non-performing loans
atau macet dari seluruh kredit yang diberikan bank kepada or loss of all loans given by the Bank to customers. The
nasabah. Semakin kecil nilai NPL, maka performance Bank smaller the NPL value, the better the Bank’s performance
dalam kolektibilitas piutang semakin baik dan menunjukkan in receivable collectability, and thus, it shows good credit
kualitas kredit yang baik. Bank Victoria mencatatkan NPL quality. Bank Victoria recorded gross NPL and net NPL of
bruto dan NPL neto masing-masing sebesar 3,99% dan 3,24% 3.99% and 3.24%, respectively, at the end of the 2023 fiscal
pada akhir tahun buku 2023. Kondisi ini mengalami penurunan year. This condition decreased when compared to in 2022 of
jika dibandingkan tahun 2022 masing-masing sebesar 4,23% 4.23% and 3.42%, respectively. This value is still below Bank
dan 3,42%. Nilai tersebut masih berada di bawah ketentuan Indonesia regulation, which is a maximum net NPL of 5.00%.
Bank Indonesia yaitu NPL neto maksimal sebesar 5,00%. Based on the collectability according to Bank Indonesia
Berdasarkan kolektabilitas sesuai peraturan Bank Indonesia, regulation, loans managed by the Bank are classified as
pinjaman yang dikelola Bank diklasifikasikan sebagai berikut: follows:
(dalam juta Rupiah / in million Rupiah)
2023 2022*
Uraian Pokok Cadangan Pokok Cadangan Description
Principal Allowance Principal Allowance
Lancar 16,853,533 (188,688) 13,891,816 (127,059) Current
Dalam Perhatian Khusus 1,031,747 (246,323) 1,264,168 (283,615) Special Mention
Kurang Lancar 92,773 (44,668) 75,569 (31,722) Substandard
Diragukan 17,420 (4,529) 77,449 (25,271) Doubtful
Macet 633,270 (90,665) 515,608 (70,450) Loss
Total 18,628,743 (574,872) 15,824,611 (538,118) Total
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022. / Consolidation until the date of divestment of Subsidiary on 22 December 2022.
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Kontribusi kepada Negara Contribution to the State
Kontribusi Bank Victoria kepada negara tercermin melalui Bank Victoria’s contribution to the state is reflected through the
pembayaran kewajiban perpajakan yang berkenaan dengan payment of tax obligations relating to the implementation of the
pelaksanaan operasi bisnis Bank. Informasi terkait pembayran Bank’s business operations. Information regarding the Bank’s tax
pajak Bank selama 2 (dua) tahun terakhir diungkapkan sebagai payment for the past 2 (two) years is described as follows:
berikut:
(dalam juta Rupiah / in million Rupiah)
Uraian 2023 2022 Description
PPh Pasal 4 ayat 2 217,418 159,476 Income Tax Article 4 (2)
PPh Pasal 21 19,377 22,134 Income Tax Article 21
PPh Pasal 23 765 554 Income Tax Article 23
PPh Pasal 25 - - Income Tax Article 25
PPh Pasal 26 250 220 Income Tax Article 26
PPN 7,189 2,192 VAT
Amnesti Pajak - - Tax Amnesty
Total 244,999 184,576 Total
Struktur Modal dan Kebijakan Struktur Modal Capital Structure and Capital Structure Policy
Kebijakan Manajemen atas Struktur Modal dan Dasar Management Policy on Capital Structure and Basis of Selection
Pemilihannya
Bank Victoria memiliki kebijakan atas pengelolaan modal untuk Bank Victoria has a capital management policy to ensure that the
untuk memastikan bahwa Bank memiliki modal yang kuat guna Bank has strong capital to support current business expansion
mendukung strategi pengembangan ekspansi usaha sekarang development strategies and maintain continuity of future
dan mempertahankan kelangsungan pengembangan di masa development. In addition, the establishment of capital policy
mendatang. Di samping itu, penetapan kebijakan permodalan is aimed at fulfilling the capital adequacy requirements set by
ditujukan untuk pemenuhan ketentuan kecukupan permodalan the regulators and ensuring that the Bank’s capital structure has
yang ditetapkan oleh regulator serta memastikan agar struktur been efficient.
permodalan Bank telah efisien.
Bank secara rutin menyusun rencana permodalan berdasarkan The Bank periodically prepares the capital plan based on
penilaian dari penelaahan atas kebutuhan kecukupan permodalan the review of capital adequacy requirement assessment and
yang dipersyaratkan dan mengkombinasikannya dengan tinjauan combines them with review of the latest economic development.
perkembangan ekonomi terkini. Rencana permodalan tersebut The Capital Plan is prepared by the Board of Directors as part
disusun oleh Direksi sebagai bagian dari Rencana Bisnis Bank of the Bank’s Business Plan and approved by the Board of
dan disetujui oleh Dewan Komisaris. Selain itu, Bank juga telah Commissioners. In addition, the Bank has complied with all
mematuhi seluruh persyaratan modal yang ditetapkan oleh pihak capital requirements stipulated by external parties throughout
eksternal sepanjang periode pelaporan, khususnya berkenaan the reporting period, specifically related to the calculation of
dengan perhitungan Kewajiban Penyediaan Modal Minimum Capital Adequacy Ratio (CAR) and Risk Weighted Assets (RWA).
(KPMM) dan Aktiva Tertimbang Menurut Risiko (ATMR).
Rincian Struktur Modal Details of Capital Structure
Perhitungan kecukupan modal dilakukan berdasarkan ketentuan Capital adequacy is calculated based on the applicable Bank
Bank Indonesia yang berlaku, di mana modal yang dimiliki Indonesia regulations, where the capital owned is classified
diklasifikasikan dalam 2 Tier yaitu Modal Tier I dan Modal in 2 Tiers, namely Tier I Capital and Tier II Capital. The Bank’s
Tier II. Kewajiban penyediaan modal Bank ditentukan dengan obligations for capital provision is determined by calculating
memperhitungkan risiko kredit, risiko operasional, dan risiko credit risk, operational risk, and market risk. Details of Bank
pasar. Rincian struktur modal Bank Victoria per 31 Desember Victoria’s capital structure as of 31 December 2022 and 2023 are
2022 dan 2023 disajikan dalam tabel berikut: presented in the following table:
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Uraian 2023 2022 Description
Modal Capital
Tier I 3,287,238 3,201,440 Tier I
Tier II 532,853 674,675 Tier II
Total Modal 3,820,092 3,876,115 Total Capital
ATMR untuk Risiko Kredit 16,999,049 16,177,645 RWA for Credit Risk
ATMR untuk Risiko Operasional 1,466,732 984,239 RWA for Operational Risk
ATMR untuk Risiko Pasar 685,119 478,131 RWA for Market Risk
Rasio KPMM untuk Risiko Kredit dan Risiko
20.69 22.59 CAR Ratio with Credit and Operational Risks (%)
Operasional (%)
Rasio KPMM untuk Risiko Kredit, Risiko Operasional, CAR Ratio with Credit, Operational, and Market Risks
19.95 21.97
dan Risiko Pasar (%) (%)
Rasio KPMM yang Diwajibkan (%) 8.00 8.00 CAR Ratio Required (%)
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022. / Consolidation until the date of divestment of Subsidiary on 22 December 2022.
Ikatan Material terkait Investasi Barang Material Commitments related to Capital
Modal Goods Investment
Pada tahun 2023, Bank Victoria tidak melakukan ikatan material In 2023, Bank Victoria did not enter into any material
dengan pihak terkait dalam rangka investasi barang modal. commitments with related parties in capital goods investment.
Realisasi Investasi Barang Modal Realization of Capital Goods Investment
Pada tahun 2023, Bank melakukan investasi barang modal untuk In 2023, the Bank invested in capital goods to purchase a number
membeli sejumlah aset tetap atau menambah nilai aset tetap of fixed assets or increase the value of fixed assets with the aim
dengan tujuan untuk memenuhi kebutuhan kegiatan operasional of meeting operational activity needs and in line with sustainable
dan sejalan dengan pertumbuhan bisnis yang berkelanjutan. business growth. Information regarding the realization value of
Adapun informasi terkait nilai realisasi investasi barang modal capital goods investments made by the Bank in 2023 is described
yang dilakukan Bank pada tahun 2023 diuraikan sebagai berikut: as follows:
(dalam juta Rupiah / in million Rupiah)
Uraian 2023 2022 Description
Bangunan 1,613 - Buildings
Kendaraan Bermotor 2,099 - Vehicles
Mesin-Mesin dan Peralatan 12,080 7,236 Machinery and Equipment
Perlengkapan dan Perabotan Kantor 399 285 Office Furniture and Equipment
Aset Tetap dalam Proses Pembangunan 5 5 Assets under Constructions
Total 16,196 7,527 Total
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022 / Consolidation until the date of divestment of Subsidiary on 22 December 2022.
Derivatif dan Fasilitas Lindung Nilai Derivative and Hedging Facilities
Bank Victoria tidak memiliki transaksi keuangan derivatif dan Bank Victoria does not have any derivative financial transactions
fasilitas lindung nilai dalam 2 (dua) tahun terakhir. or hedging facilities in the last 2 (two) years.
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Dampak Perubahan Tingkat Suku Bunga Impact of Changes of Interest Rates to Bank
terhadap Kinerja Bank Tahun 2023 Performance in 2023
Di sepanjang tahun 2023, suku bunga acuan atau BI 7-Day Throughout 2023, the benchmark interest rate or BI 7-Day
Reverse Repo Rate (BI7DRR) telah mengalami perubahan Reverse Repo Rate (BI7DRR) changed 2 times. Starting from
sebanyak 2 kali. Di mulai dari Januari 2023, suku bunga acuan January 2023, the benchmark interest rate increased from
mengalami kenaikan dari 5,00% menjadi 5,75%. Kemudian pada 5.00% to 5.75%. Then in October 2023, the benchmark interest
Oktober 2023, suku bunga acuan kembali mengalami kenaikan rate increased again from 5.75% to 6.00%. Until December 2023,
dari 5,75% menjadi 6,00%. Hingga Desember tahun 2023, Bank Bank Indonesia decided to maintain the benchmark interest rate
Indonesia memutuskan untuk mempertahankan suku bunga at the level of 6.00%. Such more measured decision to change
acuan berada di level 6,00%. Keputusan perubahan suku bunga interest rates is the focus of pro-stability monetary policy, to
yang lebih terukur tersebut sebagai fokus kebijakan moneter strengthen the stabilization of Rupiah exchange rate as well
yang pro-stability yaitu untuk penguatan stabilisasi nilai tukar as pre-emptive and forward looking steps to ensure inflation
Rupiah serta langkah pre-emptive dan forward looking untuk remains under control within the target of 2.5±1%.
memastikan inflasi tetap terkendali dalam sasaran 2,5±1%.
Perbandingan Target dan Realisasi Tahun 2023 Comparison of Target and Realization in 2023
Bank telah menetapkan sejumlah target yang ingin dicapai The Bank set a number of targets to be achieved in the Bank’s
dalam Rencana Bisnis Bank (RBB) dengan memperhatikan kondisi Business Plan (RBB) with due observance of the conditions that
yang terjadi sepanjang tahun berjalan. Adapun target yang ingin occurred throughout the year. Targets to be achieved by the
dicapai Bank berserta realisasi pencapaian target pada tahun Bank, along with the realization of target achievements in 2023
2023 diuraikan sebagai berikut: are outlined as follows:
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
Target RBB Realisasi Pencapaian
Uraian RBB Target Realization Achievement Description
2023* 2023 (%)
Kinerja Keuangan / Financial Performance
Total Aset 27,869 29,624 106.30 Total Assets
Total Liabilitas 23,956 25,799 107.70 Total Liabilities
Total Ekuitas 3,913 3,825 97.75 Total Equity
Pendapatan Bunga – Bersih 601 579 96.34 Interest Income – Net
Pendapatan (Beban) Operasional selain Operating Income (Expenses) other than
238 (405) (170.17)
Bunga – Bersih Interest – Net
Laba (Rugi) Operasional 285 174 61.05 Profit (Loss) from Operations
Laba (Rugi) Tahun Berjalan 166 102 61.45 Profit (Loss) For the Year
Rasio Keuangan (dalam %) / Financial Ratios (in %)
KPMM dengan Memperhitungkan Risiko Kredit CAR by Calculating Credit and Operational
22.44 20.69 92.20
dan Operasional Risks
KPMM dengan Memperhitungkan Risiko CAR by Calculating Credit, Operational, and
21.83 19.95 91.39
Kredit, Operasional, dan Pasar Market Risks
Margin Pendapatan Bunga Bersih (NIM) 2.75 2.58 93.82 Net Interest Margin (NIM)
Rasio Kredit terhadap Dana Pihak Ketiga (LDR) 84.62 83.06 98.16 Loan to Deposit (LDR) Ratio
Rasio Tingkat Pengambilan Aset (ROA) 0.77 0.48 62.34 Return on Assets (ROA)
Rasio Tingkat Pengembalian Ekuitas (ROE) 5.05 3.12 61.78 Return on Equity (ROE)
Rasio Kredit Bermasalah (NPL Bruto) 3.56 3.99 112.08 Non-Performing Loan (NPL Gross) Ratio
Rasio Belanja Operasional terhadap Ratio of Operating Expenses to Operating
85.93 91.67 106.68
Pendapatan Operasional (BOPO) Income (BOPO)
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Target RBB Realisasi Pencapaian
Uraian RBB Target Realization Achievement Description
2023* 2023 (%)
Kinerja Operasional / Operational Performance
Produk Simpanan Deposits Products
Tabungan 2,384 2,882 120.89 Savings Deposits
Giro 3,728 2,485 66.66 Demand Deposits
Deposito Berjangka 14,464 16,669 115.24 Time Deposits
Negotiable Certificate Deposits 474 394 83.12 Negotiable Certificate Deposits
Total Produk Simpanan 21,050 22,429 106.55 Total Deposits Products
Produk Pinjaman Loan Products
Pinjaman Tetap 10,242 9,698 94.69 Fixed Loans
Pinjaman Konsumen 166 165 99.40 Consumer Loans
Pinjaman Rekening Koran 2,124 1,872 88.14 Overdraft Loans
Pinjaman Tetap dengan Angsuran 5,253 6,864 130.67 Fixed Loans with Installments
Pinjaman Serba Guna 28 31 110.71 Other Loans
Total Produk Pinjaman 17,813 18,629 104.58 Total Loan Products
* Merupakan angka PT Bank Victoria International Tbk (induk saja) / The figure is for PT Bank Victoria International Tbk (parent only).
Proyeksi Tahun 2024 Projections for 2024
Bank Victoria telah menyusun Rencana Bisnis Bank tahun Bank Victoria has developed the Bank’s Business Plans of 2024-
2024-2026 dengan target pencapaian kinerja tahun 2024 yang 2026 with performance achievement targets of 2024 shown as
ditunjukkan sebagai berikut: follows:
(dalam miliar Rupiah, kecuali dinyatakan lain / / in billion Rupiah, unless stated otherwise)
Proyeksi RBB
Uraian RBB Projection* Description
2024*
Ringkasan Neraca / Summary of Balance Sheet
Total Aset Total Assets
Penempatan pada Bank Indonesia 2,066 Placements with Bank Indonesia
Efek-Efek 6,392 Marketable Securities
Kredit yang Diberikan 20,037 Loans
Penyertaan Saham 232 Investments in Shares
Agunan yang Diambil Alih 171 Foreclosed Assets
Komponen Aset Lainnya 1,102 Other Components of Assets
Total Liabilitas 25,921 Total Liabilities
Total Dana Pihak Ketiga 23,079 Total Third-Party Funds
Giro 3,035 Demand Deposits
Tabungan 3,426 Savings Deposits
Deposito 16,618 Time Deposits
Efek-Efek yang Diterbitkan 2,294 Securities Issued
Komponen Liabilitas Lainnya 548 Other Components of Liability
134 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Proyeksi RBB
Uraian RBB Projection* Description
2024*
Total Ekuitas 4,079 Total Equity
Modal Disetor dan Tambahan Modal Disetor 2,253 Paid-In Capital and Additional Paid-In Capital
Akumulasi Laba/(Rugi) 1,426 Accumulated Profit/(Loss)
Komponen Ekuitas Lainnya 400 Other Equity Components
Ringkasan Laba/(Rugi) / Summary of Profit/(Loss)
Pendapatan dan Beban Bunga – Bersih 625 Interest Income and Expenses – Net
Pendapatan/(Beban) Operasional Selain Bunga –Bersih (328) Operating Income/(Expenses) Other than Interest – Net
Laba/(Rugi) Operasional 287 Profit/(Loss) from Operations
Pendapatan/(Beban) Non-Operasional – Bersih (43) Non-Operating Income/(Expenses) - Net
Laba/(Rugi) Sebelum Beban Pajak Penghasilan 244 Profit/(Loss) before Income Tax Expense
Beban Pajak Penghasilan – Bersih (52) Income Tax Expense – Net
Laba/(Rugi) Setelah Beban Pajak Penghasilan 192 Profit/(Loss) Net of Income Tax Expense
Kebijakan Dividen / Dividend Policy
Dividen yang Dibagikan 0 Dividends Distributed
Struktur Modal / Capital Structure
KPMM untuk Risiko Kredit, Risiko Operasional, dan CAR for Credit Risk, Operational Risk, and Market
22.80 Risk (%)
Risiko Pasar (%)
Total Kantor / Total Offices
Kantor Cabang 14 Branch Offices
Kantor Cabang Pembantu 24 Sub-Branch Offices
Jaringan Kantor Lain (Kantor Kas, Payment Point, dan Other Office Network (Cash Office, Payment Point,
0 and Others)
Lainnya)
* Merupakan angka PT Bank Victoria International Tbk (induk saja) / The figure is for PT Bank Victoria International Tbk (parent only).
Asumsi dalam Menyusun Proyeksi Assumptions in Preparing Projections
Dalam menyusun proyeksi keuangan Bank Victoria untuk In preparing Bank Victoria’s financial projections for 2024, the
tahun 2024, Bank menggunakan asumsi makro dan mikro yang Bank uses macro and micro assumptions, adjusted to current
disesuaikan dengan kondisi perekonomian saat ini dan perkiraan economic conditions and future estimates, including assumptions
di masa depan, termasuk asumsi pada Anggaran Pendapatan in the 2024 State Budget (APBN) and Bank Indonesia press
dan Belanja Negara (APBN) tahun 2024 dan siaran pers Bank releases. The macro and micro assumptions used in financial
Indonesia. Adapun asumsi makro dan mikro yang digunakan projections in preparing the Bank’s Business Plan for 2024-2026
untuk proyeksi keuangan dalam penyusunan Rencana Bisnis Bank are as follows:
untuk tahun 2024-2026 sebagai berikut:
(dalam % / In %)
Proyeksi
Uraian Projections Description
2024 2025 2026
Asumsi Makro / Macro Assumptions
Pertumbuhan PDB 4.70-5.30 4.90-5.70 4.90-5.50 GDP Growth
Inflasi 3.50 3.50 3.50 Inflation
Kurs IDR/USD 14,800 14,800 14,800 Exchange Rate of IDR/USD
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 135
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Proyeksi
Uraian Projections Description
2024 2025 2026
BI 7 Days Rate 5.25-5.50 5.25-5.50 5.50-5.75 BI 7 Days Rate
Asumsi Mikro / Micro Assumptions
Pertumbuhan Kredit 7-9 8-10 8-10 Loan Growth
Pertumbuhan Dana Pihak
8-10 9-11 9-11 Third-Party Funds Growth
Ketiga
Tingkat Bunga Simpanan Interest Rate on Savings
3.00-7.50 2.50-7.00 2.50-7.00
Tabungan Deposits
Tingkat Bunga Kredit Ritel Commercial Retail Loan
10.50-13.50 10.50-13.50 10.50-13.50
Komersil Interest Rates
Strategi Pengembangan Bisnis ke Depan Future Business Development Strategies
Bank Victoria telah merancang strategi dan rencana Bank Victoria has designed strategy and business development
pengembangan bisnis dalam rangka menggapai kinerja yang plan to achieve sustainable positive performance in the future
positif secara berkelanjutan di masa depan dengan mengacu by referring to the Bank’s policy direction and in line with the
pada arah kebijakan Bank serta sejalan dengan penetapan tema determination of the theme of the 2024 Bank Business Plan,
Rencana Bisnis Bank 2024 yaitu “Continuous Transformation which was “Continuous Transformation with Strong Governance
with Strong Governance and Excellence Services for Sustainable and Excellence Services for Sustainable Growth”, outlined as
Growth” yang dijabarkan sebagai berikut: follows:
1. Menjaga dan memperkuat penerapan prinsip-prinsip GCG secara 1. Maintaining and strengthening the consistent application
konsisten yang selaras dengan prinsip-prinsip manajemen risiko of GCG principles, which are in line with risk management
dan kepatuhan terhadap regulasi (compliance); principles and regulatory compliance;
2. Menjaga dan memelihara permodalan di level yang kuat dan 2. Maintaining and fostering capital at a strong and adequate
memadai sebagai landasan pengembangan dan pertumbuhan level as a basis for prudent and sustainable development and
skala bisnis Bank yang prudent dan berkelanjutan; growth of the Bank’s business scale;
3. Melanjutkan dan meningkatkan inovasi produk dan layanan 3. Continuing and improving product innovation and best
terbaik yang fokus kepada nasabah (customer-centric); services that focus on customers (customer-centric);
4. Melanjutkan pengembangan sistem teknologi informasi 4. Continuing the development of information technology
untuk mendukung efisiensi, inovasi dan pengembangan systems to support efficiency, innovation and product
produk, serta peningkatan layanan; development, as well as service improvements;
5. Melanjutkan optimalisasi melalui evaluasi kinerja jaringan kantor 5. Continuing optimization through evaluating the performance
cabang guna meningkatkan efisiensi dan produktivitas dalam of branch office network to increase its efficiency and
rangka mencapai pertumbuhan bisnis yang berkelanjutan; productivity to achieve sustainable business growth;
6. Mengembangkan kualitas dan meningkatkan produktivitas 6. Developing quality and increasing the productivity of human
sumber daya manusia dan pelayanan nasabah untuk resources and customer service to face business challenges;
menghadapi tantangan bisnis; dan and
7. Meningkatkan nilai perusahaan bagi Pemegang Saham dan 7. Increasing Company value for Shareholders and stakeholders.
pemangku kepentingan.
Informasi Material Setelah Tanggal Laporan Material Information Subsequent to the
Akuntan Accountant’s Reporting Date
Tidak terdapat informasi material yang terjadi antara akhir There was no material information that occurred between the
periode pelaporan 31 Desember 2023 hingga tanggal laporan end of the reporting period of 31 December 2023 up to the date
akuntan. of the accountant’s report.
136 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Kebijakan Dividen Dividend Policy
Kebijakan Dividen Dividend Policy
Anggaran Dasar Bank Victoria mengatur bahwa besaran Bank Victoria’s Articles of Association stipulate that the
dividen disesuaikan dengan kemampuan Bank dan didasarkan dividend amount is adjusted to the Bank’s ability and is based
pada keputusan RUPS. Hal tersebut dilakukan dengan on the GMS resolutions. Such matter is done by considering the
mempertimbangkan kondisi keuangan dan tingkat kesehatan Bank’s financial condition and sound level, as well as all relevant
Bank, serta seluruh peraturan yang relevan di bidang perbankan. regulations in banking sector.
Pembagian Dividen Dividend Distribution
Pada tahun 2023 dan 2022, Bank tidak membagikan dividen. In 2023 and 2022, the Bank did not distribute any dividends.
Realisasi Penggunaan Dana Hasil Penawaran Realization of the Use of Public Offering
Umum Proceeds
Bank Victoria telah melaporkan penggunaan dana hasil Bank Victoria has reported the use of public offering proceeds
penawaran umum sesuai dengan Peraturan Otoritas Jasa in accordance with the Financial Services Authority Regulation
Keuangan No. 30/POJK.04/2015 tanggal 16 Desember 2015 No. 30/POJK.04/2015 dated 16 December 2015, on Report of
tentang Laporan Realisasi Penggunaan Dana Hasil Penawaran Actual Use of Proceeds from the Public Offering. Information
Umum. Informasi terkait realisasi pelaksanaan penawaran umum regarding the realization of the public offering throughout 2023
sepanjang tahun 2023 diungkapkan sebagai berikut: was disclosed as follows:
(dalam Rupiah penuh / in full Rupiah)
Nilai Realisasi Hasil Penawaran Umum Rencana Penggunaan Dana Realisasi Penggunaan Dana
Realized Value of Public Offering Proceeds Plan to Use Proceeds Realized Use of Proceeds Sisa Dana
Hasil
Jenis
Modal Kerjta Modal Kerja Penawaran
Penawaran Tanggal
Jumlah Hasil dalam Rangka dalam Rangka Umum
Umum Efektif Biaya
Penawaran Pengembangan Pengembangan Remaining
Type of Effective Penawaran
Umum Hasil Bersih Usaha Usaha Amount
Public Date Umum Total Total
mount of Net Proceeds Working Working of Public
Offering Public
Public Offering Capital in Capital in Offering
Offering Fee
Proceeds Business Business Proceeds
Development Development
Penawaran 28
Umum Februari
Berkelanjutan 2023
Obligasi 28
Berkelanjutan February
III Bank 2023
Victoria Tahap
I Tahun 2023 300,000,000,000
Seri A
Public
Offering of
Bank Victoria
Continuing
Bonds III Phase
I 2023 Series A
8,617,218,052 491,382,781,948 491,382,781,948 491,382,781,948 491,382,781,948 491,382,781,948 -
Penawaran 28
Umum Februari
Berkelanjutan 2023
Obligasi 28
Berkelanjutan February
III Bank 2023
Victoria Tahap
I Tahun 2023 200,000,000,000
Seri B
Public
Offering of
Bank Victoria
Continuing
Bonds III Phase
I 2023 Series B
Pelaksanaan 5
Waran Seri VII Desember
Execution 2022
106,400 - 106,400 106,400 106,400 106,400 106,400 -
of Series VII 5
Warrants December
2022
Total 500,000,106,400 8,617,218,052 491,382,888,348 491,382,888,348 491,382,888,348 491,382,888,348 491,382,888,348 -
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 137
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Informasi Material Investasi, Ekspansi, Material Information on Investment, Expansion,
Divestasi, Penggabungan/Peleburan Usaha, Divestment, Business Merger/Consolidation,
Akuisisi, dan Restrukturisasi Utang/Modal Acquisition, and Debt/Capital Restructuring
Investasi Investment
Bank Victoria melakukan investasi dalam efek-efek pada tahun Bank Victoria invested in marketable securities in 2023 with the
2023 dengan uraian sebagai berikut: following description:
(dalam juta Rupiah / in million Rupiah)
Uraian 2023 2022 Description
Nilai Wajar melalui Laba Rugi / Fair Value through Profit or Loss
Reksadana 790,570 400,037 Mutual Funds
Wesel Jangka Menengah 221,960 172,625 Medium-Term Notes
Subtotal 1,012,530 572,662 Subtotal
Nilai Wajar melalui Penghasilan Komprehensif Lain / Fair Value through Other Comprehensive Income
Surat Utang Negara 757,213 1,095,239 Government Promissory Notes
Surat Berharga Syariah Negara 308,245 387,127 Government Sharia Bonds
Reksadana 306,932 - Mutual Funds
Surat Berharga Syariah Korporasi 20,283 - Corporate Sharia Bonds
Obligasi Korporasi 12,082 83,372 Corporate Bonds
Efek Beragun Aset 8,508 - Asset-Backed Security
Wesel Jangka Menengah - 20,548 Medium-Term Notes
Subtotal 1,413,264 1,586,286 Subtotal
Biaya Perolehan Diamortisasi / Amortised Cost
Surat Utang Negara 3,547,973 2,476,659 Government Promissory Notes
Obligasi Korporasi 213,395 12,500 Corporate Bonds
Reksadana 73,000 - Mutual Funds
Wesel Jangka Menengah 15,000 15,000 Medium-Term Notes
Sekuritas Rupiah Bank Indonesia (SRBI) 9,389 - Bank Indonesia Rupiah Securities (SRBI)
Surat Berharga Syariah Negara 1,013 155,446 Government Sharia Bonds
Subtotal 3,859,770 2,659,605 Subtotal
Total 6,285,564 4,818,553 Total
Dikurangi Less
Cadangan Kerugian Penurunan Nilai (8,272) (8,863) Allowance for Impairment Losses
Total 6,277,292 4,809,690 Total
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022 / Consolidation until the date of divestment of Subsidiary on 22 December 2022.
Restrukturisasi Utang dan/atau Restrukturisasi Debt Restructuring and/or Capital Restructuring
Modal
Pada tahun 2023, Bank Victoria melakukan transaksi In 2023, Bank Victoria conducted debt restructuring and/or
restrukturisasi utang dan/atau restrukturisasi modal yang capital restructuring transactions as described below:
diuraikan sebagai berikut:
138 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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(dalam juta Rupiah / in million Rupiah)
Uraian 2023 2022* Description
Penjadwalan Kembali Angsuran dan Perpanjangan Rescheduling of Installments and the Extention of
2,868,304 3,102,182
Jangka Waktu Pinjaman Credit Period
Perpanjangan Jangka Waktu, Penurunan Suku Bunga Extention of Credit Period, Reduction of Interest Rate,
Pinjaman, Penggabungan Fasilitas Penambahan - 1,378,111 Combined Facility, Additions of Plafond
Plafon
Total Pinjaman yang Direstrukturisasi 2,868,304 4,480,293 Total Restructured Loans
Dikurangi: Cadangan Kerugian Penurunan Nilai (447,527) (428,127) Less: Allowance for Impairment Losses
Total 2,420,777 4,052,165 Total
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022 / Consolidation until the date of divestment of Subsidiary on 22 December 2022.
Divestasi Divestment
Di bulan Desember 2022, Bank telah melakukan divestasi atas 80% In December 2022, the Bank divested 80% ownership in
kepemilikan di Entitas Anak, PT Bank Victoria Syariah atau sebanyak Subsidiary, PT Bank Victoria Syariah or equivalent to 288,000,000
288.000.000 lembar saham kepada PT Victoria Investama Tbk shares to PT Victoria Investama Tbk (Majority Shareholder) with
(Pemegang Saham Utama) dengan harga jual sebesar nilai nominal selling price equivalent to the nominal value of investment in the
saham dari Entitas Anak tersebut yaitu sebesar Rp288,00 miliar. Subsidiary of Rp288.00 billion.
Nilai tercatat investasi pada Entitas Anak adalah sebesar The carrying amount of investment in Subsidiary of Rp288.97 billion
Rp288,97 miliar dan rugi dari divestasi sebesar Rp968,38 juta and loss from divestment of Rp968.38 million were recorded in the
dicatat di akun tambahan modal disetor. Transaksi divestasi ini additional paid-in capital account. This divestment was business
merupakan transaksi kombinasi bisnis entitas sepengendali, oleh combination transaction of entities under common control,
karena itu dicatat sesuai dengan PSAK 38 “Kombinasi Bisnis therefore it was recorded in accordance with PSAK 38 “Business
Entitas Sepengendali”. Setelah divestasi, kepemilikan Bank Combination under Common Control Entities”. After divestment,
di PT Bank Victoria Syariah adalah 19,81% dan Bank memiliki the Bank’s ownership in PT Bank Victoria Syariah is 19.81% and
pengaruh signifikan, oleh karena itu investasi di PT Bank Victoria the Bank has significant influence, therefore investment in PT Bank
Syariah dicatat dengan metode ekuitas. Victoria Syariah is recognized using equity method.
Pada tanggal 22 Desember 2022, Bank telah mendapatkan On 22 December 2022, the Bank received approval from the
persetujuan dari Otoritas Jasa Keuangan atas divestasi tersebut Financial Services Authority for the divestment through letter
melalui surat No. S-301/PB.101/2022 tertanggal 22 Desember No. S-301/PB.101/2022 dated 22 December 2022. Since
2022. Sejak tanggal 23 Desember 2022, PT Bank Victoria Syariah 23 December 2022, PT Bank Victoria Syariah is no longer
tidak lagi dikonsolidasikan ke dalam Laporan Keuangan Bank. consolidated into the Bank’s Financial Statements.
Ekspansi, Penggabungan/Peleburan Usaha, dan Expansion, Business Merger/Consolidation, and
Akuisisi Acquisition
Bank Victoria tidak melakukan kegiatan ekspansi, penggabungan/ Bank Victoria did not carry out any expansion, business merger/
peleburan usaha, dan akuisisi di sepanjang tahun 2023. consolidations, and acquisition activities throughout 2023.
Informasi Transaksi Material yang Information on Material Transactions with
Mengandung Benturan Kepentingan Conflict of Interest
Bank Victoria tidak melakukan transaksi yang bersifat material Bank Victoria did not carry out any material transactions
yang mengandung unsur benturan kepentingan di sepanjang containing conflicts of interest throughout 2023.
tahun 2023.
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Informasi Transaksi dengan Pihak Afiliasi Information of Transaction with Affiliated
Parties
Pada tahun 2023, Bank Victoria melakukan transaksi afiliasi In 2023, Bank Victoria made affiliate transactions, which were
yang merupakan kegiatan usaha yang dijalankan dalam rangka business activities carried out to generate business income
menghasilkan pendapatan usaha dan dijalankan secara rutin, and carried out routinely, repeatedly, and/or continuously as
berulang, dan/atau berkelanjutan yang diuraikan sebagai berikut: described as follows:
Nilai
Alasan Dilakukannya
Objek Transaksi Transaksi
Tanggal Nama Pihak Sifat Hubungan Afiliasi Transaksi
Objects of Transaction
Date Name of Parties Name of Parties Reasons for Conducting
Transaction Value
Transaction
(Rp)
2 Februari 2023 • Bank Victoria; dan • PT Victoria Insurance Tbk Perlindungan cash Memberikan proteksi all risk 157,562,141
2 February 2023 • PT Victoria Insurance Tbk. dimiliki sahamnya oleh insurance, Bank Notes, dan untuk cash insurance, Bank
• Bank Victoria; and PT Victoria Investama Tbk Curency Notes yang berada Notes, dan Curency Notes
• PT Victoria Insurance Tbk. sebesar 72,95%; dan dalam brankas/chasier box atas 38 lokasi kantor Bank
• PT Victoria Investama Tbk untuk periode 2 Februari Victoria.
merupakan Pemegang 2023-2 Februari 2024. Providing all risk protection
Saham Pengendali Bank Cash insurance protection, for cash insurance, Bank
Victoria yang memiliki Bank Notes and Currency Notes, and Currency Notes
saham sebesar 43,41%. Notes which are in a safe/ for 38 Bank Victoria office
• PT Victoria Investama Tbk chasier box for the period of locations.
owns 72.95% shares of 2 February 2023-2 February
PT Victoria Insurance Tbk; 2024.
and
• PT Victoria Investama Tbk is
a Controlling Shareholder
of Bank Victoria with
shares of 43.41%.
15 Februari 2023 • Bank Victoria; dan • PT Victoria Insurance Tbk Kantor milik Bank Victoria, Memaksimalkan fungsi 65,448,000
15 February 2023 • PT Victoria Insurance Tbk. dimiliki sahamnya oleh yaitu KCP Surabaya Lt.4 ruangan yang ada untuk
• Bank Victoria; and PT Victoria Investama Tbk yang terletak di Jl. Raya disewakan serta meningkatkan
• PT Victoria Insurance Tbk. sebesar 72,95%; dan Darmo No. 173 Kel. Darmo, sinergi dan cross selling
• PT Victoria Investama Tbk Kec. Wonokromo, Surabaya. antara Bank Victoria dengan
merupakan Pemegang Bank Victoria’s office, PT Victoria Insurance Tbk.
Saham Pengendali Bank KCP Surabaya 4th Floor, Maximizing the function of
Victoria yang memiliki located on Jl. Raya Darmo existing space for rent and
saham sebesar 43,41%. No. 173 Kel. Darmo, Kec. increasing synergy and cross
• PT Victoria Investama Tbk Wonokromo, Surabaya. selling between Bank Victoria
owns 72.95% shares of and PT Victoria Insurance Tbk.
PT Victoria Insurance Tbk;
and
• PT Victoria Investama Tbk is
a Controlling Shareholder
of Bank Victoria with
shares of 43.41%.
1 Maret 2023 • Bank Victoria; dan • PT Victoria Insurance Tbk Perlindungan asuransi Memberikan perlindungan 102,328,537
1 March 2023 • PT Victoria Insurance Tbk. dimiliki sahamnya oleh gedung (building and property all risk atas 32 lokasi
• Bank Victoria; and PT Victoria Investama Tbk inventory). kantor Bank Victoria.
• PT Victoria Insurance Tbk. sebesar 72,95%; dan Building and inventory Providing property all risk
• PT Victoria Investama Tbk insurance coverage. protection for 32 Bank
merupakan Pemegang Victoria office locations.
Saham Pengendali Bank
Victoria yang memiliki
saham sebesar 43,56%.
• PT Victoria Investama Tbk
owns 72.95% shares of
PT Victoria Insurance Tbk;
and
• PT Victoria Investama
Tbk is a Controlling
Shareholder of Bank
Victoria with
140 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Nilai
Alasan Dilakukannya
Objek Transaksi Transaksi
Tanggal Nama Pihak Sifat Hubungan Afiliasi Transaksi
Objects of Transaction
Date Name of Parties Name of Parties Reasons for Conducting
Transaction Value
Transaction
(Rp)
10 Mei 2023 • Bank Victoria; dan • PT Asri Kencana Gemilang Sewa ruang kantor di Menyewa ruang kantor 1,548,385,548
10 May 2023 • PT Asri Kencana dimiliki sahamnya oleh Gedung Graha BIP Lt. 3 sebagai kantor pusat Bank
Gemilang. PT Bhuwanatala Indah Jl. Gatot Subroto Kav. 23, Victoria.
• Bank Victoria; and Permai Tbk sebesar Jakarta Selatan. Renting office space as Bank
• PT Asri Kencana 99,99%; Lease of office space at Victoria’s head office.
Gemilang. • PT Bhuwanatala Indah Graha BIP Building 3rd Floor
Permai Tbk dimilki Jl. Gatot Subroto Kav. 23,
sahamnya oleh Safire South Jakarta.
Capital Ltd sebesar
66,52%;
• Safire Capital Ltd dimilki
sahamnya oleh Chemical
Asia Corporation Pte Ltd
sebesar 100,00%; dan
• Chemical Asia Corporation
Pte Ltd dimilki sahamnya
oleh Suzanna Tanojo
sebesar 36,58% dan
Louise Li sebesar
63,11%, di mana Louise
Li merupakan anak dari
Suzanna Tanojo.
• PT Bhuwanatala Indah
Permai Tbk owns 99.99%
shares of PT Asri Kencana
Gemilang;
• Safire Capital Ltd owns
66.52% shares of
PT Bhuwanatala Indah
Permai Tbk;
• Chemical Asia Corporation
Pte Ltd owns 100.00%
shares of Safire Capital
Ltd; and
• Chemical Asia Corporation
Pte Ltd is owned by
Suzanna Tanojo with
36.58% shares and Louise
Li with 63.11% shares, in
which Louise Li is a son of
Ms. Suzanna Tanojo.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 141
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nilai
Alasan Dilakukannya
Objek Transaksi Transaksi
Tanggal Nama Pihak Sifat Hubungan Afiliasi Transaksi
Objects of Transaction
Date Name of Parties Name of Parties Reasons for Conducting
Transaction Value
Transaction
(Rp)
27 Juni 2023 • Bank Victoria; dan • PT Tri Daya Investindo Aset tanah seluas 44.816 Menjual aset tanah seluas 60,000,000,000
27 June 2023 • PT Tri Daya Investindo. dimiliki sahamnya oleh m2 yang berlokasi di Perum 44.816 m2 yang berlokasi
• Bank Victoria; and PT Bhuwanatala Indah Villa Cinere Mas, Jl. Mars di Perum Villa Cinere Mas
• PT Tri Daya Investindo. Permai Tbk sebesar Raya, Kel. Pisangan, Kec. kepada PT Tri Daya Investindo.
99,99%; Ciputat Timur, Tangerang Selling land assets covering
• PT Bhuwanatala Indah Selatan. an area of 44,816 m2 located
Permai Tbk dimilki Land assets covering an at Perum Villa Cinere Mas to
sahamnya oleh Safire area of 44,816 m2 located PT Tri Daya Investindo.
Capital Ltd sebesar at Perum Villa Cinere Mas,
66,52%; Jl. Mars Raya, Kel. Pisangan,
• Safire Capital Ltd dimilki Kec. East Ciputat, South
sahamnya oleh Chemical Tangerang.
Asia Corporation Pte Ltd
sebesar 100,00%; dan
• Chemical Asia Corporation
Pte Ltd dimilki sahamnya
oleh Louise Li sebesar
63,11% dan Louise
Li merupakan anak
dari Suzanna Tanojo
(Pemegang Saham
Pengendali).
• PT Bhuwanatala Indah
Permai Tbk owns 99.99%
shares of PT Tri Daya
Investindo;
• Safire Capital Ltd owns
66.52% shares of
PT Bhuwanatala Indah
Permai Tbk;
• Chemical Asia Corporation
Pte Ltd owns 100.00%
shares of Safire Capital
Ltd; and
• Louise Li owns 63.11%
shares of Chemical
Asia Corporation Pte
Ltd, and Louise Li is a
son of Suzanna Tanojo
(Controlling Shareholder).
1 September • Bank Victoria; dan • PT Victoria Insurance Tbk Perlindungan asuransi Memberikan perlindungan 136,275,430
2023 • PT Victoria Insurance Tbk. dimiliki sahamnya oleh gedung (building and property all risk atas 37 lokasi
• Bank Victoria; and PT Victoria Investama Tbk inventory). kantor Bank Victoria.
• PT Victoria Insurance Tbk. sebesar 72,95%; dan Building and inventory Providing property all risk
• PT Victoria Investama Tbk insurance coverage. protection for 37 Bank
merupakan Pemegang Victoria office locations.
Saham Pengendali Bank
Victoria yang memiliki
saham sebesar 44,24%.
• PT Victoria Investama Tbk
owns 72.95% shares of
PT Victoria Insurance Tbk;
and
• PT Victoria Investama Tbk is
a Controlling Shareholder
of Bank Victoria with
shares of 44.24%.
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Nilai
Alasan Dilakukannya
Objek Transaksi Transaksi
Tanggal Nama Pihak Sifat Hubungan Afiliasi Transaksi
Objects of Transaction
Date Name of Parties Name of Parties Reasons for Conducting
Transaction Value
Transaction
(Rp)
1 September • Bank Victoria; dan • PT Victoria Insurance Tbk Perlindungan Cash Memberikan proteksi all 211,200,000
2023 • PT Victoria Insurance Tbk. dimiliki sahamnya oleh Insurance, Bank Notes, risk dari kehilangan atau
• Bank Victoria; and PT Victoria Investama Tbk Curency Notes, Cheque, kerusakan fisik dari sebab
• PT Victoria Insurance Tbk. sebesar 72,95%; dan Postal Order atau Money apapun yang timbul seperti
• PT Victoria Investama Tbk Changer terhadap risiko aslinya.
merupakan Pemegang perampokan selama Providing all risk protection
Saham Pengendali Bank dalam perjalanan saat from loss or physical damage
Victoria yang memiliki pengangkutan/pengiriman. from any causes arising as it
saham sebesar 44,24%. Protection for Cash was originally.
• PT Victoria Investama Tbk Insurance, Bank Notes,
owns 72.95% shares of Currency Notes, Cheques,
PT Victoria Insurance Tbk; Postal Orders, or Money
and Changer protection against
• PT Victoria Investama the risk of robbery during
Tbk is a Controlling ransportation/delivery.
Shareholder of Bank
Victoria with shares of
44.24%.
20 September • Bank Victoria; dan • PT Bank Victoria Syariah Kantor milik Bank Victoria, Memaksimalkan fungsi 254,520,000
2023 • PT Bank Victoria Syariah Tbk dimiliki sahamnya yaitu ex-KCP Kalimalang ruangan yang ada untuk
Tbk. oleh Bank Victoria sebesar yang terletak di Jl. KH disewakan serta meningkatkan
• Bank Victoria; and 19,81%; dan Noerali No. 41 H, Kel. sinergi dan cross selling
• PT Bank Victoria Syariah • PT Victoria Investama Tbk Bintara Jaya, Kec. Bekasi antara Bank Victoria dengan
Tbk. merupakan Pemegang Barat, Bekasi. PT Bank Victoria Syariah Tbk.
Saham Pengendali Bank Bank Victoria’s office, Maximizing the function of
Victoria yang memiliki ex-KCP Kalimalang, located existing space for rent and
saham sebesar 44,42% on Jl. KH Noerali No. 41 H, increasing synergy and cross
dan PT Bank Victoria Kel. Bintara Jaya, Kec. West selling between Bank Victoria
Syariah Tbk sebesar Bekasi, Bekasi. and PT Bank Victoria Syariah
90,19%. Tbk.
• Bank Victoria owns
19.81% shares of PT Bank
Victoria Syariah Tbk; and
• PT Victoria Investama
Tbk is the controlling
shareholder of Bank
Victoria which owns
44.42% shares and
90.19% shares of PT Bank
Victoria Syariah Tbk.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 143
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nilai
Alasan Dilakukannya
Objek Transaksi Transaksi
Tanggal Nama Pihak Sifat Hubungan Afiliasi Transaksi
Objects of Transaction
Date Name of Parties Name of Parties Reasons for Conducting
Transaction Value
Transaction
(Rp)
22 September • Bank Victoria; dan • PT Asri Kencana Gemilang Sewa ruang kantor di Menyewa ruang kantor 183,186,000
2023 • PT Asri Kencana dimiliki sahamnya oleh Gedung Graha BIP Lt. 9 sebagai kantor pusat Bank
Gemilang. PT Bhuwanatala Indah Jl. Gatot Subroto Kav. 23, Victoria.
• Bank Victoria; and Permai Tbk sebesar Jakarta Selatan. Renting office space as Bank
• PT Asri Kencana 99,99%; Lease of office space at Victoria’s head office.
Gemilang. • PT Bhuwanatala Indah Graha BIP Building 9th
Permai Tbk dimilki Floor
sahamnya oleh Safire
Capital Ltd sebesar Jl. Gatot Subroto Kav. 23,
66,52%; South Jakarta.
• Safire Capital Ltd dimilki
sahamnya oleh Chemical
Asia Corporation Pte Ltd
sebesar 100,00%; dan
• Chemical Asia Corporation
Pte Ltd dimilki sahamnya
oleh Louise Li sebesar
63,11% dan Louise
Li merupakan anak
dari Suzanna Tanojo
(Pemegang Saham
Pengendali).
• PT Bhuwanatala Indah
Permai Tbk owns 99.99%
shares of PT Asri Kencana
Gemilang;
• Safire Capital Ltd owns
66.52% shares of PT
Bhuwanatala Indah
Permai Tbk;
• Chemical Asia Corporation
Pte Ltd owns 100.00%
shares of Safire Capital
Ltd; and
• Louise Li owns 63.11%
shares of Chemical
Asia Corporation Pte
Ltd, and Louise Li is a
son of Suzanna Tanojo
(Controlling Shareholder).
13 Oktober 2023 • Bank Victoria; dan • PT Emperor Finance Sewa ruang kantor di Menyewa ruang kantor 444,000,000
13 October 2023 • PT Emperor Finance Indonesia dimiliki Komplek Ruko Bangkong sebagai Kantor Cabang
Indonesia. sahamnya oleh Plaza Blok B-7, Semarang.
• Bank Victoria; and PT Dwimagna Kapital Jl. MT Haryono No. 864- Renting office space as
• PT Emperor Finance Indonesia sebesar 866, Kel. Peterongan, Semarang Branch Office.
Indonesia. 99,00%; dan Kec. Semarang Selatan,
• PT Dwimagna Kapital Semarang.
Indonesia dimilki Lease of office space at
sahamnya oleh Debora Bangkong Plaza Ruko
Wahjutirto Tanoyo sebesar Complex Blok B-7,
24,50% dan merupakan Jl. MT Haryono No. 864-
Direktur Bank Victoria. 866, Kel. Peterongan,
• PT Dwimagna Kapital Kec. South Semarang,
Indonesia owns 99.00% Semarang.
shares of PT Emperor
Finance Indonesia; and
• Debora Wahjutirto Tanoyo
owns 24.50% shares of
PT Dwimagna Kapital
Indonesia and is the
Director of Bank Victoria.
144 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Page 147
Nilai
Alasan Dilakukannya
Objek Transaksi Transaksi
Tanggal Nama Pihak Sifat Hubungan Afiliasi Transaksi
Objects of Transaction
Date Name of Parties Name of Parties Reasons for Conducting
Transaction Value
Transaction
(Rp)
1 Desember 2023 • Bank Victoria; dan • PT Victoria Insurance Tbk Perlindungan atas 25 Memberikan perlindungan 73,548,223
1 December 2023 • PT Victoria Insurance Tbk. dimiliki sahamnya oleh unit kendaraan asuransi asuransi total loss only and
• Bank Victoria; and PT Victoria Investama Tbk kendaraan (mobil dan comprehensive (all risk)
• PT Victoria Insurance Tbk. sebesar 72,95%; dan motor) untuk periode 1 atas atas 25 unit kendaraan
• PT Victoria Investama Tbk Desember 2023 sampai 1 (mobil dan motor) milik Bank
merupakan Pemegang Desember 2024. Victoria.
Saham Pengendali Bank Protection for 25 units Providing total loss only
Victoria yang memiliki of vehicle (cars and and comprehensive (all risk)
saham sebesar 44,24%. motorcycle) insurance for insurance protection for 25
• PT Victoria Investama Tbk the period 1 of December vehicles (cars and motorcycle)
owns 72.95% shares of 2023 to 1 December 2024. owned by Bank Victoria.
PT Victoria Insurance Tbk;
and
• PT Victoria Investama
Tbk is a Controlling
Shareholder of Bank
Victoria with shares of
44.24%.
22 Desember • Bank Victoria; dan • PT Asri Kencana Gemilang Sewa ruang kantor di Menyewa ruang kantor 2,615,382,000
2023 • PT Asri Kencana dimiliki sahamnya oleh Gedung Graha BIP Lt. 3 sebagai kantor pusat Bank
22 December Gemilang. PT Bhuwanatala Indah Jl. Gatot Subroto Kav. 23, Victoria.
2023 • Bank Victoria; and Permai Tbk sebesar Jakarta Selatan. Renting office space as Bank
• PT Asri Kencana 99,99%; Lease of office space at Victoria’s head office.
Gemilang. • PT Bhuwanatala Indah Graha BIP Building 3rd Floor
Permai Tbk dimilki Jl. Gatot Subroto Kav. 23,
sahamnya oleh Safire South Jakarta.
Capital Ltd sebesar
66,52%;
• Safire Capital Ltd dimilki
sahamnya oleh Chemical
Asia Corporation Pte Ltd
sebesar 100,00%; dan
• Chemical Asia Corporation
Pte Ltd dimilki sahamnya
oleh Louise Li sebesar
63,11% dan Louise
Li merupakan anak
dari Suzanna Tanojo
(Pemegang Saham
Pengendali).
• PT Bhuwanatala Indah
Permai Tbk owns 99.99%
shares of PT Asri Kencana
Gemilang;
• Safire Capital Ltd owns
66.52% shares of
PT Bhuwanatala Indah
Permai Tbk;
• Chemical Asia Corporation
Pte Ltd owns 100.00%
shares of Safire Capital
Ltd; and
• Louise Li owns 63.11%
shares of Chemical
Asia Corporation Pte
Ltd, and Louise Li is a
son of Suzanna Tanojo
(Controlling Shareholder).
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 145
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nilai
Alasan Dilakukannya
Objek Transaksi Transaksi
Tanggal Nama Pihak Sifat Hubungan Afiliasi Transaksi
Objects of Transaction
Date Name of Parties Name of Parties Reasons for Conducting
Transaction Value
Transaction
(Rp)
22 Desember • Bank Victoria; dan • PT Asri Kencana Gemilang Sewa ruang kantor di Menyewa ruang kantor 781,218,000
2023 • PT Asri Kencana dimiliki sahamnya oleh Gedung Graha BIP Lt. 9 sebagai kantor pusat Bank
22 December Gemilang. PT Bhuwanatala Indah Jl. Gatot Subroto Kav. 23, Victoria.
2023 • Bank Victoria; and Permai Tbk sebesar Jakarta Selatan. Renting office space as Bank
• PT Asri Kencana 99,99%; Lease of office space at Victoria’s head office.
Gemilang. • PT Bhuwanatala Indah Graha BIP Building 9th Floor
Permai Tbk dimilki Jl. Gatot Subroto Kav. 23,
sahamnya oleh Safire South Jakarta.
Capital Ltd sebesar
66,52%;
• Safire Capital Ltd dimilki
sahamnya oleh Chemical
Asia Corporation Pte Ltd
sebesar 100,00%; dan
• Chemical Asia Corporation
Pte Ltd dimilki sahamnya
oleh Louise Li sebesar
63,11% dan Louise
Li merupakan anak
dari Suzanna Tanojo
(Pemegang Saham
Pengendali).
• PT Bhuwanatala Indah
Permai Tbk owns 99.99%
shares of PT Asri Kencana
Gemilang;
• Safire Capital Ltd owns
66.52% shares of PT
Bhuwanatala Indah
Permai Tbk;
• Chemical Asia Corporation
Pte Ltd owns 100.00%
shares of Safire Capital
Ltd; and
• Louise Li owns 63.11%
shares of Chemical
Asia Corporation Pte
Ltd, and Louise Li is a
son of Suzanna Tanojo
(Controlling Shareholder).
Transaksi dengan Afiliasi dan Kewajaran Transaksi Transactions with Affiliates and Fairness of
Transactions
Seluruh transaksi dengan pihak afiliasi pada tahun 2023 All transactions with affiliated parties in 2023 were done in
dilakukan secara wajar (Arm’s Length) dan sesuai dengan Arm’s Length and in accordance with laws and regulations. The
peraturan perundang-undangan. Transaksi dilakukan atas dasar transactions are conducted based on the Bank’s needs and free
alasan kebutuhan Bank dan bebas dari konflik kepentingan. of any conflict of interest.
Pemenuhan Peraturan dan Ketentuan Terkait Fulfillment of Related Regulations and Provisions
Bank telah memenuhi peraturan dan ketentuan terkait, yaitu The Bank has complied with related laws and regulation, that is
Peraturan Otoritas Jasa Keuangan No. 42/POJK/04/2020 tanggal Financial Services Authority Regulation No. 42/POJK/04/2020
1 Juli 2020 tentang Transaksi Afiliasi dan Transaksi Benturan dated 1 July 2020, on Transactions with Affiliation and
Kepentingan. Transactions with Conflict of Interest.
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Pernyataan Dewan Komisaris, Direksi, dan Komite Statement of Board of Commissioners, Board of
Audit Directors, and Audit Committee
Direksi menyatakan bahwa transaksi dengan pihak afiliasi ini The Board of Directors states that transactions with affiliated
telah melalui prosedur yang memadai untuk memastikan bahwa parties were done with adequate procedures to ensure that
transaksi dilaksanakan sesuai dengan praktik bisnis yang berlaku the transactions were done in accordance with generally
umum antara lain dilakukan dengan memenuhi prinsip transaksi accepted business practices, among others, by complying with
yang wajar (arms length principle). Selain itu, peran Dewan the arms-length principle. In addition, the role of the Board of
Komisaris dan Komite Audit dalam melakukan prosedur yang Commissioners and the Audit Committee in performing adequate
memadai untuk memastikan bahwa transaksi dilaksanakan sesuai procedures to ensure that transactions were carried out in
dengan praktik bisnis yang berlaku umum antara lain dilakukan accordance with generally accepted business practices, among
dengan memenuhi prinsip transaksi yang wajar (arms length others, by complying with the arms-length principle.
principle).
Transaksi dengan Pihak Berelasi Transaction with Related Parties
Dalam kegiatan normal usaha, Bank Victoria melakukan transaksi In routine business activities, Bank Victoria makes transactions
dengan pihak berelasi karena hubungan kepemilikan dan/atau with related parties due to relationships in ownership and/or
kepengurusan. Seluruh transaksi dengan pihak-pihak berelasi management. All transactions with related parties are made
telah dilakukan dengan persyaratan dan kondisi yang sama under the same terms and conditions as those applied to third
seperti yang diberlakukan kepada pihak ketiga. parties.
Nama dan Sifat Hubungan Berelasi Name and Nature of Relationships
Informasi terkait nama dan sifat hubungan pihak-pihak berelasi Information regarding the names and nature of relationships
yang melakukan transaksi dengan Bank Victoria disajikan dalam of related parties conducting transactions with Bank Victoria is
tabel berikut: presented in the following table:
Pihak-Pihak Berelasi Sifat dari Hubungan Jenis Transaksi
Related Parties Nature of Relationship Type of Transaction
PT Victoria Investama Tbk Pemegang Saham Simpanan Nasabah, Pinjaman yang Diberikan
Shareholder Deposits from Customers, Loans
PT Bank Victoria Syariah Dimiliki oleh Pemegang Saham Utama Simpanan dari Bank Lain
Under Common Control Deposits from Other Banks
PT Victoria Sekuritas Indonesia, PT Grha Swahita, Dimiliki oleh Pemegang Saham Utama Simpanan Nasabah, Pinjaman yang Diberikan
PT Merak Energi Indonesia, dan PT Tridaya Under Common Control Deposits from Customers, Loans
Investindo (dahulu PT BIP Tridaya Propertindo).
PT Victoria Sekuritas Indonesia, PT Grha
Swahita, PT Merak Energi Indonesia, and
PT Tridaya Investindo (formerly PT BIP Tridaya
Propertindo).
PT Jaya Bhakti Mandiri dan PT Cahaya Medika Dimiliki oleh Pemegang Saham Utama Pinjaman yang Diberikan
Health Care Under Common Control Loans
PT Jaya Bhakti Mandiri and PT Cahaya Medika
Health Care
PT Victoria Insurance Indonesia Dimiliki oleh Pemegang Saham Utama Simpanan Nasabah, Pinjaman yang Diberikan,
Under Common Control Asuransi Aset Tetap dan Asuransi Kas
Deposits from Customers, Loans, Fixed Assets
Insurance and Cash Insurance
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 147
Page 150
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pihak-Pihak Berelasi Sifat dari Hubungan Jenis Transaksi
Related Parties Nature of Relationship Type of Transaction
PT Padi Unggul Indonesia, PT Victoria Alife Dimiliki oleh Pemegang Saham Utama Simpanan nasabah
Indonesia, PT Victoria Manajemen Investasi, Under Common Control Deposits from customers
PT BIP Loka Kencana, PT BIP Sentosa, PT Studio
One PT Asri Kencana Gemilang, PT Artoda
Karya Gemilang, PT Bhuwanatala Indah Permai,
PT Frogurt Sari Indonesia, PT Emperor Finance
Indonesia, PT Grata Mulia Pratama, PT Putra
Asih Laksana, PT Suryayudha Investindo Cipta,
PT GMT Investama Mandiri Tbk, PT Dwimagna
Kapital Indonesia, PT Magna Investa Mandiri,
PT Bintang Jaya Bara Sentosa, PT BIP Boga
Entertainment, PT BIP Boga Permai, PT Bumi
Semesta Lestari, PT Prolestari Mega Persada,
PT Regis Pratama Indonesia, PT Surya Cakra
Multi Sarana, dan PT Verena Kapital
PT Padi Unggul Indonesia, PT Victoria Alife
Indonesia, PT Victoria Manajemen Investasi,
PT BIP Loka Kencana, PT BIP Sentosa, PT Studio
One PT Asri Kencana Gemilang, PT Artoda
Karya Gemilang, PT Bhuwanatala Indah Permai,
PT Frogurt Sari Indonesia, PT Emperor Finance
Indonesia, PT Grata Mulia Pratama, PT Putra
Asih Laksana, PT Suryayudha Investindo Cipta,
PT GMT Investama Mandiri Tbk, PT Dwimagna
Kapital Indonesia, PT Magna Investa Mandiri,
PT Bintang Jaya Bara Sentosa, PT BIP Boga
Entertainment, PT BIP Boga Permai, PT Bumi
Semesta Lestari, PT Prolestari Mega Persada,
PT Regis Pratama Indonesia, PT Surya Cakra
Multi Sarana, and PT Verena Kapital
PT Sulfindo Adiusaha Dimiliki oleh Pemegang Saham Utama Simpanan Nasabah, Bank Garansi
Under Common Control Deposits from customers, Bank Guarantee
PT Nata Patindo dan Christine Tanojo Pemegang Saham Simpanan Nasabah
Shareholder Deposits from customers
Suzanna Tanojo Pemegang Saham Pengendali Simpanan Nasabah
Controlling Shareholder Deposits from customers
Luciana Tanoyo Hubungan Keluarga dengan Suzanna Tanojo Simpanan Nasabah
Relative of Suzanna Tanojo Deposits from customers
Dewan Komisaris, Direksi, dan Pejabat Eksekutif Manajemen dan Karyawan Kunci Simpanan Nasabah, Pinjaman yang Diberikan
Bank Key Management and Employees Deposits from Customers, Loans
Board of Commissioners, Board of Directors, and
Executive Officers of the Bank
Dewan Komisaris, Direksi, Eksekutif Entitas Manajemen dan Karyawan Kunci Simpanan Nasabah, Pinjaman yang Diberikan
Asosiasi Key Management and Employees Deposits from Customers, Loans
Board of Commissioners, Board of Directors,
Executive Officers of Associated Entity
Informasi terkait rincian saldo transaksi dengan pihak-pihak Information regarding details of transaction balances with
berelasi telah diungkapkan dan dapat dilihat pada Catatan atas related parties is disclosed and can be seen in Notes to Financial
Laporan Keuangan No. 39 tentang Informasi Mengenai Pihak- Statements No. 39 on Information of Related Parties.
Pihak Berelasi.
Kewajaran dan Alasan Dilakukan Transaksi Fairness in and Reasons for Conducting
Transactions
Transaksi dengan pihak berelasi telah dilakukan secara wajar Transactions with related parties have been conducted fairly in
sesuai dengan kepentingan Bank (arm’s length transaction). accordance with the Bank’s Interests (Arm’s Length Transaction).
Seluruh transaksi dengan pihak berelasi dilaksanakan atas dasar All transactions with related parties are carried out on the
alasan kebutuhan usaha Bank Victoria serta ditujukan untuk grounds of the business needs of Bank Victoria and are aimed at
meningkatkan kinerja Bank. improving the Bank’s performance.
148 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Kebijakan Mekanisme Review atas Transaksi dan Review Mechanism Policy on Transactions and
Pemenuhan Peraturan Terkait Compliance with Related Regulations
Mengacu pada Peraturan Bank Indonesia No. 7/3/PBI/2005 Referring to Bank Indonesia Regulation No. 7/3/PBI/2005 on
tentang Batas Maksimum Pemberian Kredit Industri Perbankan, Legal Lending Limit for Banking Industry, as amended by Bank
yang telah diubah dengan Peraturan Bank Indonesia Indonesia Regulation No. 8/13/PBI/2006 on Amendment to Bank
No. 8/13/PBI/2006 tentang Perubahan atas Peraturan Bank Indonesia Regulation No. 7/3/PBI/2005 on Legal Lending Limit
Indonesia No. 7/3/PBI/2005 tentang Batas Maksimum Pemberian for Banking Industry, the Bank must apply prudential principles
Kredit Industri Perbankan, Bank wajib menerapkan prinsip and risk management in Financing, particularly Financing to
kehati-hatian dan manajemen risiko dalam memberikan Related Parties and/or Large Exposures, and the Board of
Penyediaan Dana, khususnya Penyediaan Dana Kepada Pihak Directors’ Decision Letter No. 017/SK-DIR/06/13 dated 18 June
Terkait dan atau Penyediaan Dana Besar, dan Surat Keputusan 2013 on Legal Lending Limit (LLL) Consolidation Work Unit, the
Direksi No. 017/SK-DIR/06/13 tanggal 18 Juni 2013 tentang Compliance Division is appointed as the Work Unit in charge of
Unit Kerja Pengkonsolidasi Batas Maksimum Pemberian Kredit processing information on related LLL exposure.
(BMPK) menunjuk Divisi Kepatuhan sebagai Unit Kerja yang
bertugas mengelola informasi eksposur BMPK terkait.
Komitmen dan Kontinjensi Commitments and Contingencies
Komitmen dan kontinjensi Bank selama 2 (dua) tahun buku The Bank’s commitments and contingencies for the past 2 (two)
terakhir dinyatakan dalam nilai kontrak sebagai berikut: fiscal years are stated in contract value as follows:
(dalam jutaan Rupiah / in million Rupiah)
Uraian 2023 2022 Description
Komitmen / Commitments
Liabilitas Komitmen Commitment Liabilities
Fasilitas Pinjaman yang Belum Unused Loans Facilities
Digunakan
Pihak Ketiga (5,280,610) (4,016,398) Third Parties
Pihak Berelasi (17,037) (17,296) Related Parties
Liabilitas Komitmen - Bersih (5,297,647) (4,033,694) Commitment Liabilities - Net
Rasio Kepatuhan / Contingencies
Tagihan Kontinjensi Contingent Receivables
Pendapatan Bunga atas Pinjaman 311,524 364,248 Interest Receivables on Non-
Bermasalah - Pihak Ketiga Performing Loans - Third Parties
Liabilitas Kontinjensi Contingent Liabilities
Garansi yang Diterbitkan – Pihak (271) (2,498) Guarantees Issued – Related Parties
Berelasi
Garansi yang Diterbitkan – Pihak (982,532) (345,130) Guarantees Issued – Third Parties
Ketiga
Letter of Credit (60,564) (18,706) Letter of Credit
Kontinjensi - Bersih (731,843) (2,085) Contingent - Net
Total Liabilitas Komitmen dan (6,029,490) (4,035,779) Total Commitment and
Contingencies Liabilities – Net
Kontinjensi – Bersih
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Larangan, Batasan, dan/atau Hambatan Prohibitions, Restrictions, and/or Significant
Signifikan untuk Melakukan Transfer Dana Barriers to Transfer Funds between the Bank
antara Bank dan Entitas Lain dalam Satu and Other Entities in One Business Group
Kelompok Usaha
Bank Victoria tidak memiliki larangan/batasan dalam prosedur Bank Victoria has no restrictions/limitations in operational
operasional terkait transfer dana nasabah, baik dalam bentuk procedures regarding Customer’s fund transfer either incoming
transfer masuk maupun transfer keluar antara Bank dan entitas and outgoing transfers between the Bank and other entities
lain dalam 1 (satu) kelompok usaha. Dalam menyalurkan pinjaman within 1 (one) business group. In providing loans to third parties
ke pihak ketiga dan entitas lainnya dalam 1 (satu) kelompok and other entities within 1 (one) business group, Bank Victoria
usaha, Bank Victoria mengacu pada BMPK yang telah dibuat oleh refers to LLL formulated by the Accounting Division, and the
Divisi Accounting dan dipantau oleh Divisi Compliance & System activity is monitored by the Compliance & System Procedure
Procedure dan Divisi Credit Risk Review. Division and Credit Risk Review Division.
Perubahan Peraturan Perundang-Undangan Amendments to Laws and Regulations with
yang Berpengaruh Signifikan terhadap Significant Impacts on the Bank’s Performance
Kinerja Bank
Sepanjang tahun 2023, terdapat perubahan peraturan Throughout 2023, there were amendments to laws and
perundang-undangan yang berpengaruh signifikan terhadap regulations that significantly affected the Bank’s performance,
kinerja Bank yang diuraikan sebagai berikut: as outlined below:
Peraturan Dampak terhadap Laporan Keuangan Penyesuaian yang Dilakukan
Regulation Impact on Financial Statements Adjustment Made
Peraturan Otoritas Jasa Keuangan Tidak berdampak signifikan terhadap Laporan Surat Keputusan Direksi No. 007A/SK-DIR/12/23
No. 08 Tahun 2023 Keuangan Bank tentang Kebijakan Anti Money Laundering,
Financial Services Authority Regulation Has no significant impact on the Bank’s Financial Counter Terrorist Financing & Weapon Mass
No. 08 of 2023 Statements Destruction (AML, CTF, & WMD)
Board of Directors’ Decision Letter
No. 007A/SK-DIR/12/23 on Policies on Anti-
Money Laundering, Counter-Terrorist Financing
& Weapon Mass Destruction (AML, CFT, & WMD)
Peraturan Otoritas Jasa Keuangan Tidak berdampak signifikan terhadap Laporan Sosialisasi Peraturan Otoritas Jasa Keuangan
No. 17 Tahun 2023 Keuangan Bank No. 17 Tahun 2023 tentang Penerapan Tata
Financial Services Authority Regulation Has no significant impact on the Bank’s Financial Kelola bagi Bank Umum
No. 17 of 2023 Statements Dissemination of Financial Services Authority
Regulation No. 17 of 2023 on Implementation of
Governance for Commercial Banks
Perubahan Kebijakan Akuntansi Amendments to Accounting Policies
Alasan Perubahan Kebijakan Akuntansi Reasons of Amendments to Accounting Policies
Bank menerapkan perubahan kebijakan akuntansi baru di tahun The Bank implemented a new accounting policy amendment
2023 adalah untuk mematuhi Pernyataan Standar Akuntansi in 2023 to comply with the applicable Statement of Financial
Keuangan (PSAK) yang berlaku. Accounting Standards (PSAK).
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Perubahan Kebijakan Akuntansi yang Signifikan Significant Amendments to Accounting Policies
Standar akuntansi keuangan, perubahan, dan interpretasi Financial accounting standards, amendments, and interpretations
standar akuntansi keuangan yang berlaku efektif sejak 1 Januari of financial accounting standards effective as of 1 January 2023
2023 sebagai berikut: are as follows:
1. Amandemen PSAK 1: Penyajian Laporan Keuangan - 1. Amendment to PSAK 1: Presentation of Financial Statements
Pengungkapan Kebijakan Akuntansi; - Disclosure of Accounting Policies;
2. Amandemen PSAK 25: Kebijakan Akuntansi, Perubahan 2. Amendment to PSAK 25: Accounting Policies, Changes in
Estimasi Akuntansi, dan Kesalahan terkait Definisi Estimasi Accounting Estimates, and Errors regarding Definition of
Akuntansi; dan Accounting Estimates; and
3. Amandemen PSAK 46: Pajak Penghasilan Pajak Tangguhan 3. Amendment to PSAK 46: Income Taxes regarding Deferred
Terkait Aset dan Liabilitas yang Timbul dari Transaksi Tax related to Assets and Liabilities arising from a Single
Tunggal. Transaction.
Dampak Perubahan Kebijakan Akuntansi terhadap Impact of Amendments to Accounting Policies on
Laporan Keuangan Bank Bank Financial Statements
Implementasi dari standar-standar tersebut tidak menghasilkan The implementation of the above standards did not result in
perubahan substansial terhadap kebijakan akuntansi Bank dan substantial changes to the Bank’s accounting policies and had
tidak memiliki dampak yang material terhadap laporan keuangan no material impact to the Financial Statements for current year
di tahun berjalan atau tahun sebelumnya. or prior financial years.
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ASPEK
PENDUKUNG BISNIS
Aspect of Business Support
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Aspek Pendukung Bisnis
Aspect of Business Support
Teknologi Informasi
Information Technology
Pandemi Covid-19 mendorong perubahan perilaku masyarakat The Covid-19 pandemic has changed people’s behavior in using
dalam bertransaksi secara digital yang menuntut Bank untuk digital transactions, which requires the Bank to continuously
mengembangkan perbankan digital secara berkesinambungan. Bank develop digital banking. The Bank constantly adds new features
senantiasa menambahkan fitur baru guna meningkatkan kemudahan to increase transactions’ convenience and comfort, maintain
dan kenyamanan bertransaksi, mempertahankan keandalan dan transactions’ reliability and security, and develop digital and
keamanan transaksi, serta mengembangkan ekosistem perbankan electronic banking ecosystem by focusing on the development of
digital dan elektronik dengan berfokus pada pengembangan mobile mobile banking and internet banking. This commitment places
banking dan internet banking. Komitmen ini menempatkan Bank the Bank to be ready to face digital evolution in the banking
pada posisi yang siap dalam menghadapi evolusi digital di industri industry.
perbankan.
Roadmap Teknologi Informasi Information Technology Roadmap
Bank telah merancang roadmap pengembangan Teknologi Informasi The Bank has designed an Information Technology (IT)
(TI) yang diselaraskan dengan rencana jangka menengah dan jangka development roadmap, aligned with medium-term and long-term
panjang. Beberapa langkah kunci yang diambil oleh Bank meliputi: plans. Some of the key steps taken by the Bank include:
1. Melakukan pengembangan berkelanjutan dalam revamping 1. Carrying out continuous development in revamping internet
internet banking dan mobile banking dengan menyediakan fitur banking and mobile banking by providing excellent and
dan produk digital yang unggul dan bersaing serta dilengkapi competitive digital features and products, equipped with
dengan pembukaan rekening digital (digital on boarding) digital account openings (digital on boarding) by using
menggunakan teknologi biometric. Pembukaan rekening digital biometric technology. The digital account opening is aimed
tersebut bertujuan untuk menarik minat nasabah baru serta to attract new customers and existing customers to be more
nasabah yang sudah ada agar lebih tertarik untuk menempatkan interested in placing funds and making transactions through
dana dan bertransaksi melalui Bank Victoria; Bank Victoria;
2. Melakukan pengembangan berkelanjutan dalam revamping 2. Carrying out continuous development in revamping internet
internet banking business dengan fitur-fitur finansial dan banking business with financial and non-financial features,
non-finansial serta dilengkapi dengan fitur cash management, equipped with cash management features, including virtual
antara lain virtual account dan payroll untuk kebutuhan accounts and payroll for company’s financial transaction
transaksi keuangan dari perusahaan; needs;
3. Meningkatkan kualitas layanan kepada nasabah dengan 3. Improving services quality to customers by developing
melakukan pengembangan digital operations, yaitu melakukan digital operations, which is by conducting non-cash
aktivitas transaksi non-tunai dengan menggunakan teknologi transaction activities using video banking technology, so
video banking, sehingga interaksi terhadap transaksi dapat as interaction with transactions can be carried out virtually
dilakukan secara virtual namun tetap mengedepankan prinsip but still prioritizing the principle of prudence and security in
kehati-hatian serta keamanan transaksi; transactions;
4. Melakukan kerja sama dengan pihak ketiga seperti kementerian, 4. Cooperating with third parties, such as ministries, banks,
bank, lembaga keuangan non-bank, e-commerce, online travel non-bank financial institutions, e-commerce, online travel
agent, peer to peer lending dengan skema platform business agents, and peer to peer lending with a business platform
(omni channel) untuk meningkatkan jumlah nasabah dan (omni channel) scheme, to increase the number of customers
frekuensi transaksi; dan and transaction frequency; and
5. Memperkenalkan ekosistem digital lending untuk memberikan 5. Introducing a digital lending ecosystem to provide the source
sumber nasabah kredit kepada Bank dan kecepatan proses kredit of credit customers to the Bank and the speed of the Bank’s
Bank kepada nasabah kredit. loan process to credit customers.
Dengan implementasi roadmap TI, Bank Victoria berharap By implementing IT roadmap, Bank Victoria expects to continue
dapat terus meningkatkan kinerja operasional, mengoptimalkan improving operational performance, optimizing IT use, and
penggunaan TI, dan tetap relevan dalam pasar yang terus berubah. staying relevant in the ever-changing market.
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Skema Rencana Strategis Keamanan Chart of Information Technology’s Security
Teknologi Informasi Strategic Plan
Previous Security Management Target Security Management
Tidak sentralisasi security monitoring Sentralisasi security
Security Admin Security Admin
investigasi. monitoring investigasi.
Not centralizing the security Centralizing the security monitoring
monitoring investigation. investigation.
Physical Environment Physical Environment
Tidak memiliki aplikasi monitoring user. Memiliki aplikasi monitoring
Not centralizing the security and performance user.
monitoring investigation. Having monitoring application
Application Application and performance user.
DC/DR tidak memiliki access control
Security Audit
secara sentralisasi perangkat dan hanya DCOR memiliki access control secara
menggunakan log book. sentralisasi perangkat dan hanya
DC/DR does not have centralized access menggunakan log book.
control device and only uses log book. DCOR has centralized access control
Security Operation
device and only uses log book.
Security Operation
Security Audit
Security Audit
Tidak memiliki sentralisasi aplikasi
Database monitoring dan semua port terbuka. Database Memiliki sentralisasi aplikasi
Not having centralized monitoring monitoring dan semua port terbuka.
application and all ports are open. Having centralized monitoring
application and all ports are open.
Tidak memiliki standardisasi
DB dan Control. Memiliki standarisasi DB dan Control.
Not having standardized Having standardized DB and Control.
DB and Control.
Operating System Operating System
Tidak ada pembatasan user/akses Pembatasan user akses server/
server tidak sentralisasi monitoring. tidak sentralisasi monitoring.
No limitation of users/server access Limitation of server access users/not
not centralizing the monitoring. centralizing the monitoring.
Tidak Pentest dan VA. Pentest dan VA setiap tahun.
No Pentest and VA. Pentest and VA every year.
Hardware Hardware
Di network, tidak ada firewall Di network, ada firewall dan
dan tidak sentralisasi monitoring. tidak sentralisasi monitoring.
In Network, there is no firewall In Network, there is no firewall
and no centralized monitoring. and no centralized monitoring.
Rutin sosialisasi program
Kurangnya sosialisasi program kesadaran keamanan.
Network kesadaran keamanan. Network
Routine dissemination of the security
Lack of dissemination of the security awareness program.
awareness program.
Kebijakan dan prosedur selalu
Kebijakan dan prosedur di tinjau dan diperbarui.
sangat terbatas. Policies and procedures are always
Policy and Security Very limited policies and procedures.
Policy and Security
reviewed and updated.
Standard Awareness Standard Awareness
> Investasi terbatas untuk infrastruktur keamanan. > Akan menerapkan secara aktif dan reguler VA dan pentester.
> IT Security hanya fokus pada perbaikan infrastruktur. > Melakukan investasi untuk perbaikan infrastruktur.
> Kurangnya program kesadaran keamanan. > Peningkatan prosedur keamanan yg komprehensif dan sesuai dengan standar SOP
> Minimnya keterlibatan IT Section dalam proses pengembangan aplikasi baru. keamanan yang sudah ditentukan.
> Limited investment in security infrastructure. > Akan melakukan program kesadaran keamanan yang terintegrasi dan terpadu serta
> IT Security only focuses on improving infrastructure. melakukan penegakan kesadaran prosedur keamanan.
> Lack of security awareness program. > IT Section akan dilibatkan dalam proses pengembangan aplikasi baru.
> Lack of IT Section involvement in the process of developing new applications. > Will actively and regularly implement VA and pentester.
> Investing in infrastructure improvement.
> Enhanced comprehensive security procedures and in accordance with the
predetermined security SOP standards.
> Will carry out integrated and unified security awareness programs and enforce
awareness of security procedures.
> IT Section will be involved in the process of developing new applications.
Penerapan Manajemen Risiko dalam Implementation of Risk Management in the
Penggunaan Teknologi Informasi Use of Information Technology
Integrasi TI dalam kegiatan operasional Bank dapat meningkatkan IT integration within the Bank operational activities may increase
risiko yang dihadapi. Oleh karenanya, Bank mengimplementasikan the risks encountered. Therefore, the Bank implements risk
manajemen risiko pada penggunaan TI melalui 4 (empat) aspek management in the use of IT through the following 4 (four)
berikut: aspects:
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Aspek Pendukung Bisnis
Aspect of Business Support
Pengawasan Aktif Dewan Komisaris dan Direksi Active Monitoring of Board of Commissioners and
Board of Directors
Penggunaan TI di Bank memerlukan pengawasan aktif dari Dewan The use of IT at the Bank requires active monitoring by the Board of
Komisaris dan Direksi beserta organ pendukung masing-masing. Oleh Commissioners and Board of Directors including their respective
karena itu, setiap Dewan Komisaris dan Direksi memiliki wewenang supporting organs. Therefore, the Board of Commissioners and
dan tanggung jawab terhadap pemanfaatan TI yang diuraikan Board of Directors each has its authority and responsibility for the
sebagai berikut: use of IT, which is described as follows:
1. Dewan Komisaris bertugas dan berwenang untuk mengevaluasi, 1. The Board of Commissioners has the duty and authority to
mengarahkan, dan memantau rencana strategis serta evaluate, direct, and monitor the Bank’s strategic plan and
kebijakan Bank terkait penggunaan TI, termasuk menilai policies related to IT use, including to evaluate the Board
pertanggungjawaban Direksi atas penerapan manajemen risiko of Directors’ accountability for the implementation of risk
dalam penggunaan TI; dan management in IT use; and
2. Direksi bertugas dan berwenang menetapkan rencana strategis, 2. The Board of Directors has the duty and authority to establish
kebijakan, standar, dan prosedur penggunaan TI Bank; strategic plan, policies, standards, and procedures for the
memastikan TI mendukung pertumbuhan bisnis dan tujuan Bank’s IT use; confirm that the IT supports the Company’s
perusahaan, serta kelangsungan pelayanan kepada nasabah; business growth and objectives, as well as service continuity
menyelenggarakan kegiatan peningkatan kompetensi sumber to customers; carry out activities to increase human capital
daya manusia terkait TI; menjamin keamanan informasi dengan competencies related to IT; guarantee information security
sistem pengelolaan yang efektif; menerapkan manajemen with effective management system; implement adequate
risiko TI secara memadai; memastikan penerapan kebijakan IT risk management; ensure effective implementation of IT
TI secara efektif; dan menyediakan sistem pengukuran kinerja policies; and provide performance measurement system of IT
penyelenggaraan TI. implementation.
Untuk mendukung tanggung jawab Direksi dalam tata kelola TI, To support the Board of Directors’ responsibility in IT governance,
Bank juga membentuk Komite Teknologi Informasi yang memberikan the Bank also established an Information Technology Committee,
rekomendasi terkait aspek tata kelola TI dan manajemen risiko which provides recommendations related to IT governance
penggunaan TI. aspects and risk management in the use of IT.
Kecukupan Kebijakan, Standar, dan Prosedur Adequacy of Policies, Standards, and Procedures
Penyelenggaraan Teknologi Informasi of Information Technology Implementation
Kebijakan, standar, dan prosedur penyelenggaraan TI Bank secara Policies, standards, and procedures of the implementation of
khusus dibuat berdasarkan Peraturan Otoritas Jasa Keuangan the Bank’s IT are particularly prepared based on the Financial
No. 11 Tahun 2022 tentang Penyelenggaraan Teknologi Informasi Services Authority Regulation No. 11 of 2022 on Information
oleh Bank Umum dan Peraturan Otoritas Jasa Keuangan Technology Operations by Commercial Banks and Financial
No. 21 Tahun 2023 tentang Layanan Digital oleh Bank Umum. Services Authority Regulations No. 21 of 2023 on Digital
Kebijakan tersebut telah diterapkan secara konsisten dan senantiasa Services by Commercial Banks. The policies have been applied
ditinjau kembali untuk memastikan kesesuaiannya dengan consistently, and constantly reviewed to ensure compliance
perkembangan usaha Bank dan perubahan peraturan yang berlaku. with the Bank’s business development and amendments to the
Kebijakan ini meliputi aspek tata kelola TI Bank, arsitektur TI Bank, prevailing regulations. These policies cover aspects of Bank’s IT
penerapan manajemen risiko penyelenggaraan TI Bank, ketahanan Governance, Bank’s IT architecture, risk management application
dan keamanan siber Bank, penggunaan pihak penyedia jasa TI in the implementation of Bank’s IT, Bank cyber resilience and
dalam penyelenggaraan TI Bank, penempatan sistem elektronik dan security, use of IT services provider in the implementation
pemrosesan transaksi berbasis TI, pengelolaan data dan perlindungan of Bank’s IT, placement of electronic systems and IT-based
data pribadi dalam penyelenggaraan TI Bank, penyediaan jasa TI oleh transaction processing, data management and personal data
Bank, pengendalian dan audit internal dalam penyelenggaraan TI protection in the implementation of Bank’s IT, provision of
Bank, pelaporan, serta penilaian tingkat maturitas digital Bank. IT services by the Bank, internal control and audit in the
implementation of Bank’s IT, reporting, and assessing the Bank’s
digital maturity level.
Kecukupan Proses Identifikasi, Pengukuran, Adequacy of Risk Identification, Measurement,
Pemantauan, dan Pengendalian Risiko Penggunaan Monitoring, and Management Process of the Use
Teknologi Informasi of Information Technology
Kebijakan, standar, dan prosedur terkait manajemen risiko TI Bank Policies, standards, and procedures related to the Bank’s IT risk
dijelaskan dalam Kebijakan TI yang disahkan melalui Surat Keputusan management are explained in IT Policy approved under Board of
Direksi No. 007/SK-DIR/06/19 tanggal 27 Juni 2019 tentang Directors’ Decision Letter No. 007/SK-DIR/06/19 dated 27 June
Kebijakan Manajemen Risiko terkait Information Technology. 2019 on Risk Management Policy related to Information Technology.
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Dengan kebijakan ini, Bank memastikan kelangsungan dan stabilitas With this policy, the Bank ensures the continuity and stability of IT
operasional TI serta mengurangi risiko yang dapat mengganggu operations, as well as reduces risks that may disrupt the Bank’s
kegiatan operasional Bank. Langkah-langkah pengendalian juga operational activities. Control measures are also implemented
diterapkan untuk memastikan jaringan komunikasi yang disediakan to ensure that the communication network provided by the Bank
Bank memenuhi prinsip kerahasiaan, integritas, dan ketersediaan. meets the principles of confidentiality, integrity, and availability.
Sistem Pengendalian Internal atas Penggunaan Internal Control System for the Use of Information
Teknologi Informasi Technology
Bank melaksanakan pengendalian internal terhadap seluruh aspek The Bank exercises internal control over all aspects of IT use
penggunaan TI melalui audit rutin oleh Divisi SKAI & Anti Fraud. through regular audits by the SKAI & Anti Fraud Division. During
Selama tahun 2023, terdapat 12 (dua belas) temuan terkait TI 2023, there were 12 (twelve) findings related to IT with a risk level
dengan level risiko “Low to Moderate”, antara lain: of “Low to Moderate”, including:
1. Review user access; 1. Review user access;
2. Clear screen; 2. Clear screen;
3. Physical entry log book; 3. Physical entry log book;
4. Prosedur pengadaan jasa; 4. Service procurement procedures;
5. Pedoman Biro Hukum; 5. Legal Bureau Guidelines;
6. Tanggal dokumen user acceptance test; 6. Date of user acceptance test document;
7. Tanggal pembuatan dan persetujuan Dokumen Functional 7. Date of creation and approval of the Functional Specification
Specification Document dan Dokumen Persyaratan Bisnis; Document and Business Requirements Document;
8. Perubahan kebijakan manajemen risiko; 8. Changes in risk management policies;
9. Role pada user access matriks; 9. Role in the user access matrix;
10. Review berkala terhadap kebijakan dan prosedur; 10. Periodic review of policies and procedures;
11. Log backup operations; dan 11. Log backup operations; and
12. Dokumentasi insiden. 12. Incident documentation.
Tim IT telah menindaklanjuti semua temuan tersebut dan seluruh The IT team followed up on all these findings and all findings
temuan telah diselesaikan. were duly resolved.
Pengembangan Teknologi Informasi Tahun Information Technology Development in 2023
2023
Bank Victoria telah melakukan pengembangan TI untuk mendukung Bank Victoria has developed IT to support the customer
customer experience dalam meningkatkan layanan nasabah experience in improving customer service and bringing the Bank
dan mendekatkan Bank kepada nasabah. Selama tahun 2023, closer to the customer. Throughout 2023, the IT development
pengembangan TI yang telah dilaksanakan Bank Victoria sebagai carried out by Bank Victoria was as follows:
berikut:
Tujuan Bagian Penambahan Pelaksanaan
Objectives Additional Part Additional Part
Revamp SBN Ritel Konvensional dan pengembangan SBN Syariah Ritel Triwulan 1
Enhancement SBN Ritel Revamping Conventional Retail SBN and development of Retail Quarter 1
Sharia SBN
Penggunaan big data untuk fraud detection system Triwulan 1
Big Data
Use of big data for fraud detection systems Quarter 1
Sistem Layanan Informasi Keuangan (SLIK) Penggantian aplikasi SLIK Triwulan 1
Financial Information Services System (SLIK) SLIK application replacement Quarter 1
Penggunaan Whatsapp Official Bank Victoria termasuk Chatbot AI Triwulan 2
Whatsapp Official and Chatbot AI
Use of Official Bank Victoria WhatsApp including AI Chatbot Quarter 2
Host Security Module Penggantian host security module 10K Triwulan 2
Replacement of 10K host security module Quarter 2
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Aspek Pendukung Bisnis
Aspect of Business Support
Tujuan Bagian Penambahan Pelaksanaan
Objectives Additional Part Additional Part
Server Konsolidasi Penggantian server simplivity Triwulan 2
Consolidation Server Replacement of simplivity server Quarter 2
Firewall Penggantian firewall termasuk dengan router dan switch Triwulan 2
Replacement of firewall including routers and switches Quarter 2
Revamp internet banking individual dan mobile banking termasuk Triwulan 4
digital onboarding Quarter 4
Revamp Internet Banking and Mobile Banking
Revamping individual internet banking and mobile banking including
digital onboarding
Bank juga telah menerapkan pengendalian sistem manajemen The Bank has also implemented information security
keamanan informasi secara konsisten dan telah memperoleh management system controls consistently and has obtained
Sertifikasi ISO 27001 terkait Information Security. ISO 27001 Certification on Information Security.
Tidak hanya itu, secara spesifik pada tahun 2023, Bank Victoria Not only that, specifically in 2023, Bank Victoria developed
mengembangkan teknologi sistem informasi dan infrastruktur information system technology and business support
pendukung kegiatan usaha Bank yang meliputi: infrastructures for the Bank’s business activities which include:
1. Revamp internet banking bisnis; 1. Revamping business internet banking;
2. Digital operation, yaitu layanan transaksi non-tunai nasabah 2. Digital operations, namely non-cash customer transaction
melalui video call; services through video call;
3. Peer to peer lending, yaitu kerja sama dengan digital lending 3. Peer to peer lending, namely cooperation with digital lending
ecosystems; ecosystems;
4. Loan channelling melalui financial technology, bank 4. Loan channeling through financial technology, rural banks,
perkreditan rakyat, multifinance, dan koperasi; multifinance, and cooperatives;
5. Implementasi single sign on dan privellege access 5. Implementation of single sign on and privilege access
management; dan management; and
6. Cloud server untuk penyimpanan e-document di cloud. 6. Cloud server for storing e-documents in the cloud.
Pada tahun 2023, Bank mengeluarkan biaya sebesar Rp39,86 In 2023, the Company spent a cost of Rp39.86 billion for
miliar untuk pengembangan infrastruktur sistem TI, seperti developing IT system infrastructure, such as hardware, software,
hardware, software, security device, maintenance, jaringan security devices, maintenance, communication networks,
komunikasi, manage service, data center, audit, dan penetration manage services, data centers, audits, and penetration testing.
testing.
Strategi Pengembangan Teknologi Informasi Information Technology Development
Tahun 2024 Strategy in 2024
Untuk mendukung perkembangan bisnis, Bank telah merancang To support business development, the Bank has prepared IT
strategi pengembangan TI untuk periode 2024-2026, yang development strategies for the 2024-2026 period as described
dijelaskan sebagai berikut: below:
1. BI-Fast melalui internet banking dan mobile banking; 1. BI-Fast through internet banking and mobile banking;
2. Revamp internet banking business dan cash management; 2. Revamping internet banking business and cash management;
3. Digital signature; 3. Digital signature;
4. Penambahan kerja sama bancassurance dengan rekanan 4. Additional bancassurance cooperation with insurance as a
asuransi untuk produk tradisional dan non-tradisional secara partner for traditional and non-traditional products digitally
digital melalui internet banking dan mobile banking; through internet banking and mobile banking;
5. Penambahan kerja sama bancassurance dengan rekanan 5. Additional bancassurance cooperation with insurance
asuransi untuk produk tradisional dan non-tradisional secara as a partner for traditional and non-traditional products
konvensional melalui over the counter; conventionally through over the counter;
6. Penambahan kerja sama reksa dana dengan rekanan aset 6. Additional mutual fund cooperation with assets management
manajemen untuk produk reksa dana, baik yang dipasarkan as a partner for mutual fund products, either being marketed
secara digital melalui internet banking dan mobile banking digitally through internet banking and mobile banking, or
maupun secara konvensional melalui over the counter; conventionally through over the counter;
7. Penambahan produk dan asuransi kredit tanpa agunan untuk 7. Additional collateral-free product and loan insurance for
karyawan nasabah payroll dengan model referensi; payroll customer’s employees with a reference model;
8. Virtual account; 8. Virtual account;
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9. E-meterai atau meterai digital; 9. E-stamp or digital stamp;
10. BI-Fast melalui internet banking bisnis; 10. BI-Fast through business internet banking;
11. Penggantian treasury system; 11. Replacement of treasury system;
12. Sinergi dengan Bank Victoria Syariah untuk layanan syariah 12. Synergy with Bank Victoria Syariah for Bank sharia services;
Bank;
13. International network payment (debit card); 13. International network payment (debit card);
14. QR Indonesia Standard (QRIS); 14. QR Indonesia Standard (QRIS);
15. Pembelian SBN dan SBSN Ritel melalui internet banking dan 15. Purchase of SBN and Retail SBSN through internet banking
mobile banking; and mobile banking;
16. QRIS tuntas; 16. QRIS complete;
17. QRIS untuk acquire; 17. QRIS for acquire;
18. QRIS merchant; 18. QRIS merchants;
19. Cardless withdrawal (tarik tunai tanpa kartu); 19. Cardless withdrawal (cash withdrawal without a card);
20. Bank persepsi melalui internet banking dan mobile banking; 20. Collecting Bank through internet banking and mobile
banking;
21. Fitur internet banking dan mobile banking: digital form, 21. Features of internet banking and mobile banking: digital
Victoria mart, cardless withdrawal (ATM dan cabang), QRIS form, Victoria mart, cardless withdrawal (ATM and branches),
(transfer, payment, dan cross border), bancassurance, QRIS (transfer, payment, and cross border), bancassurance,
reksa dana, sosial dan keagamaan, lifestyle (Victoria mart), mutual funds, social, and religious, lifestyle (Victoria mart),
remittance, top up e-money (Bank Mandiri) – e-wallet, point remittance, top up e-money (Bank Mandiri ) – e-wallet, reward
reward, video banking dan digital operation, WhatsApp - chat points, video banking and digital operations, WhatsApp - chat
bot, Victoria advertisement, BI-Fast, dan bank persepsi; bot, Victoria advertisement, BI-Fast, and collecting bank;
22. Bank persepsi melalui internet banking bisnis; 22. Collecting Bank through internet banking business;
23. Penambahan fitur internet banking dan mobile banking: 23. Additional features of internet banking and mobile
cardless withdrawal melalui minimarket dan kantor pos, banking: cardless withdrawals through minimarkets and
transfer keluar negeri (remittance melalui startup), subscribe post offices, overseas transfers (remittances via startup),
atau berlangganan layanan pemberitaan online, kerja sama subscribing to online news services, cooperation with
dengan payment gateway, kerja sama dengan agregator payment gateways, cooperation with cross border (overseas)
voucher cross border (luar negeri), penambahan kerja sama voucher aggregators, additional cooperation with religious
dengan yayasan sosial keagamaan melalui channel internet social foundations via internet banking and mobile banking
banking dan mobile banking, menambahkan join ‘and’; join channels, adding join ‘and’; join ‘or’; and QQ account which
‘or’; dan QQ account yang dapat dilakukan melalui internet can be done through internet banking and mobile banking,
banking dan mobile banking, cross border payment, member cross border payment, member get member, prize savings,
get member, tabungan berhadiah, tabungan rencana/ planned/term savings, and marketing websites;
berjangka, dan situs web marketing;
24. Mobile banking corporate; 24. Corporate mobile banking;
25. Kerja sama dengan peer to peer lending/open application 25. Cooperation with peer to peer lending/ open application
programming interface kerja sama dengan digital lending programming interface cooperation with digital ecosystem
ecosystem; lending;
26. Digital onboarding melalui micro site Bank untuk nanti akan 26. Digital onboarding through the Bank’s micro site to be
dapat dikoneksikan oleh pihak front end lain yang menjadi connected by other front end parties of digital onboarding
channel digital onboarding yang bekerja sama dengan Bank; channels that work with the Bank;
27. Kerja sama dengan third party untuk acquire nasabah 27. Cooperation with third parties to acquire customers while
sekaligus memberikan layanan financial planning fitur dan providing financial planning features and financial education
edukasi finansial; services;
28. Bancassurance melalui digital; 28. Digital Bancassurance;
29. Reksa dana melalui digital; 29. Digital mutual fund;
30. Loan channeling melalui financial technology, bank 30. Loan channeling through financial technology, rural banks,
perkreditan rakyat, multifinance, dan koperasi; multifinance, and cooperatives;
31. Victoria ID (Victoria Group); 31. Victoria ID (Victoria Group);
32. Digital form transactions (internet banking dan mobile 32. Digital form transactions (internet banking and mobile
banking) melalui video banking Bank; dan banking) through video banking Bank; and
33. Digital operations (layanan transaksi non-tunai nasabah 33. Digital operations (customer’s non-cash transaction service
melalui video call). through video call).
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TATA KELOLA
PERUSAHAAN
Good Corporate Governance
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Tata Kelola Perusahaan
Good Corporate Governance
Dasar dan Prinsip Implementasi GCG
Basis and Principles of GCG Implementation
Bank Victoria menerapkan tata kelola perusahaan yang baik Bank Victoria implements good corporate governance (GCG)
(good corporate governance/GCG) dengan merujuk pada by referring to laws, Financial Services Authority regulations,
undang-undang, peraturan Otoritas Jasa Keuangan, dan prinsip- and general GCG principles. In 2023, the Bank welcomed the
prinsip umum GCG. Pada tahun 2023, Bank menyambut baik development of the General Guidelines for Indonesian Corporate
pengembangan Pedoman Governansi Korporat Indonesia (PUGKI) Governance (PUGKI) by the National Committee for Governance
oleh Komite Nasional Kebijakan Governansi (KNKG) yang dirilis Policy (KNKG) which was released in 2021 and made the standard
pada tahun 2021 dan menjadi standar penerapan GCG Bank. for implementing the Bank’s GCG.
Prinsip-prinsip dalam PUGKI 2021 beserta rekomendasi dan The principles in PUGKI 2021 along with the recommendations and
panduan di dalamnya dijiwai oleh 4 (empat) pilar governansi guidelines stated therein are inspired by 4 (four) pillars of corporate
korporat, yaitu perilaku beretika, akuntabilitas, transparansi, governance, namely ethical behavior, accountability, transparency,
dan keberlanjutan. Pilar governansi tersebut merupakan and sustainability. These governance pillars are the latest
perkembangan terkini dari nilai dasar transparansi, akuntabilitas, developments of basic values of transparency, accountability,
responsibilitas, independensi, dan kewajaran dan kesetaraan. responsibility, independence, and fairness and equality.
Pilar Governansi Implementasi
Governance Pillars Implementation
Perilaku Beretika Bank senantiasa mengedepankan kejujuran, memperlakukan semua pihak dengan hormat, memenuhi komitmen,
Ethical Conduct membangun serta menjaga nilai-nilai moral dan kepercayaan secara konsisten. Bank memperhatikan kepentingan
Pemegang Saham dan pemangku kepentingan lainnya berdasarkan asas kewajaran dan kesetaraan dan dikelola secara
independen sehingga masing-masing organ Bank tidak saling mendominasi dan tidak dapat diintervensi oleh pihak lain.
The Bank always prioritizes honesty, treats all parties with respect, fulfills its commitments, as well as consistently builds
and maintains moral values and beliefs. The Bank pays attention to the interests of Shareholders and other stakeholders
based on the principle of fairness and equality, and each organ of the Bank is managed independently so that it does not
dominate the other and cannot be intervened by other parties.
Akuntabilitas Bank dapat mempertanggungjawabkan kinerja secara transparan dan wajar. Untuk itu Bank dikelola secara benar, terukur
Accountability dan sesuai dengan kepentingan Bank dengan tetap memperhitungkan kepentingan Pemegang Saham dan pemangku
kepentingan. Akuntabilitas merupakan prasyarat yang diperlukan untuk mencapai kinerja yang berkelanjutan.
The Bank is accountable for its performance in a transparent and fair manner. For this reason, the Bank is managed
properly, measurably, and in accordance with the Bank’s interests, while still considering the interests of Shareholders
and stakeholders. Accountability is the prerequisite needed to achieve the sustainable performance.
Transparansi Bank menyediakan informasi yang material dan relevan dengan cara yang mudah diakses dan dipahami oleh pemangku
Transparency kepentingan. Bank mengambil inisiatif untuk mengungkapkan tidak hanya masalah yang disyaratkan oleh peraturan
perundang-undangan, tetapi juga hal yang penting untuk pengambilan keputusan oleh Pemegang Saham dan pemangku
kepentingan lainnya.
The Bank provides relevant material information that is easily accessible and understood by the stakeholders. The Bank
takes the initiative to disclose not only issues required by laws and regulations, but also important matters for decision
making by Shareholders and other stakeholders.
Keberlanjutan Bank mematuhi peraturan perundang-undangan serta berkomitmen melaksanakan tanggung jawab terhadap
Sustainability masyarakat dan lingkungan agar berkontribusi pada pembangunan berkelanjutan melalui kerja sama dengan semua
pemangku kepentingan terkait untuk meningkatkan kehidupan mereka dengan cara yang selaras dengan kepentingan
bisnis dan agenda pembangunan berkelanjutan.
The Bank complies with the laws and regulations and is committed to carrying out its responsibilities towards community
and environment in order to contribute to sustainable development by working with all relevant stakeholders to improve
their lives aligned with the business interests and the sustainable development agenda.
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Struktur GCG
GCG Structures
Struktur tata kelola Bank Victoria secara garis besar tergambarkan Bank Victoria’s governance structure is broadly illustrated in the
pada organ utama Bank yaitu Rapat Umum Pemegang Saham Bank’s main organs, which are the General Meeting of Shareholders
(RUPS), Dewan Komisaris, dan Direksi. Untuk membantu (GMS), the Board of Commissioners, and the Board of Directors. To
pelaksanaan tugasnya, sebagaimana disyaratkan oleh regulasi, assist in implementing their duties, as stipulated by the regulations,
Dewan Komisaris dan Direksi membentuk komite-komite. Selain the Board of Commissioners and Board of Directors form
itu, mengacu pada Anggaran Dasar Bank dan peraturan perundang- committees. Also, as referred to in the Bank’s Articles of Association
undangan yang berlaku, masing-masing organ mempunyai peran and applicable laws and regulations, each organ has an important
penting dalam penerapan GCG dan menjalankan fungsi, tugas, dan role in implementing GCG and performing its functions, duties, and
tanggung jawabnya untuk kepentingan Bank. Struktur tata kelola responsibilities for the Bank’s benefits. Bank Victoria’s governance
Bank Victoria disajikan dalam bagan berikut: structure is presented in the following chart:
Rapat Umum Pemegang Saham
General Meeting of Shareholders
Dewan Komisaris Direksi
Board of Commissioners Board of Directors
Komite Manajemen Risiko/
Komite Teknologi Informasi
Komite Pemantau Risiko Integrated Corporate Secretary
Information Technology
Risk Monitoring Committee Risk/Integrated Division
Committee
Management Committee
Komite Nominasi dan
Remunerasi Asset and Liability Komite Produk
SKAI & Anti Fraud Division
Nomination and Committee Product Committee
Remuneration Committee
Komite Audit Komite Kredit Komite Pengadaan Compliance & System
Audit Committee Credit Committee Procurement Committee Procedure Division
Komite Kebijakan Komite Personalia Risk Management/
Perkreditan Personnel Committee Integrated Division
Credit Policy Committee
Komite Pemantau dan
Pelaksanaan GCG
GCG Implementation and
Monitoring Committee
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Tata Kelola Perusahaan
Good Corporate Governance
Framework GCG
GCG Framework
Untuk mendukung implementasi GCG yang efektif, Bank To support effective GCG implementation, the Bank has prepared
menyusun Corporate Governance Framework dengan merujuk a Corporate Governance Framework by referring to the applicable
pada peraturan perundang-undangan, serta mempertimbangkan laws and regulations and observing the Bank’s conditions,
kondisi, budaya, dan nilai-nilai Bank. Skema Corporate culture, and values. The Corporate Governance Framework of
Governance Framework Bank Victoria dijelaskan sebagai berikut: Bank Victoria is explained as follows:
Pemilihan dan pengawasan
Penetapan strategi dan sasaran Bank.
human capital yang efektif.
Establishment of Bank’s strategies and
Selection and supervision of
targets.
effective Human Capital.
Alokasi Wewenang, Tugas
Penetapan fungsi pengendalian yang efektif. dan Tanggung Jawab Organ Pengelolaan Bank yang profesional.
Establishment of effective management Bank yang Efektif Professional management of the Bank.
function.
Effective Allocation of
Authority, Duties and
Responsibilities of the
Bank’s Organs
Pemaduan budaya, kegiatan usaha, dan
perilaku dengan tujuan menjalankan
kegiatan usaha yang aman dan sehat, dengan Pemenuhan kepentingan Pemegang Saham
integritas dan patuh terhadap peraturan dan pemangku kepentingan lainnya serta
perundang-undangan. melindungi kepentingan nasabah.
Combination of culture, business Fulfillment of the Shareholders’ and other
activities, and behavior with the intention Stakeholders’ interests and protection of the
of conducting safe and sound business customers’ interests.
activities, with integrity and in compliance
with the laws and regulations.
Peningkatan Kualitas Implementasi GCG
Improvement of GCG Implementation Quality
Mekanisme pelaksanaan GCG di Bank Victoria didasarkan pada The mechanism for implementing Bank Victoria’s GCG is based
praktik-praktik terbaik dalam industri perbankan dengan tujuan on the best practices in banking industry aiming to make its
agar implementasinya lebih terarah menuju Good Corporate implementation more focused on Good Corporate Sustainability.
Sustainability. Adapun mekanisme tata kelola yang diterapkan The governance mechanism implemented by Bank Victoria is as
Bank Victoria sebagai berikut: follows:
1. Menetapkan standar kualitas implementasi GCG; 1. Determining quality standard of GCG implementation;
2. Mengawasi implementasi GCG; 2. Monitoring the GCG implementation;
3. Menilai implementasi GCG; dan 3. Assessing the GCG implementation; and
4. Meningkatkan kualitas implementasi GCG dan benchmarking. 4. Improving quality of GCG implementation and benchmarking.
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Penilaian Penerapan GCG Assessment of GCG Implementation
Bank secara konsisten setiap tahun melakukan penilaian The Bank consistently conducts annual self-assessment on
penerapan GCG secara mandiri (self assessment) untuk GCG implementation to determine the adequacy level of GCG
mengetahui tingkat kecukupan penerapan GCG di lingkungan implementation within the Bank. The Bank conducts the self-
Bank. Self assessment dilakukan Bank dengan mengacu pada assessment by referring to the applicable regulations, including
regulasi yang berlaku, yaitu Peraturan Otoritas Jasa Keuangan the Financial Services Authority Regulation No. 17 of 2023 and
No. 17 Tahun 2023 dan Surat Edaran Otoritas Jasa Keuangan Financial Services Authority Circular No. 13/SEOJK.03/2017
No. 13/SEOJK.03/2017 tentang Penerapan Tata Kelola bagi on Governance Implementation for Commercial Banks, as well
Bank Umum, serta berbagai acuan standar praktik terbaik yang as various standard references for best practices conducted
dilakukan perbankan (best practices). Self assessment GCG ini by banks. The GCG self-assessment is intended to classify
dimaksudkan untuk mengklasifikasikan kekuatan (strength) both the strengths and weaknesses of corporate governance
dan kelemahan (weakness) pelaksanaan tata kelola perusahaan implementation from 3 (three) aspects, namely governance
yang ditinjau dari 3 (tiga) aspek, yaitu governance structure, structure, governance process and governance outcome.
governance process, dan governance outcome.
Self assessment penerapan GCG secara individu meliputi Individual self-assessment of the GCG implementation includes
11 (sebelas) faktor penilaian pelaksanaan tata kelola, meliputi: 11 (eleven) governance implementation assessment factors,
namely:
1. Pelaksanaan tugas dan tanggung jawab Direksi; 1. Implementation of Board of Directors’ duties and responsibilities;
2. Pelaksanaan tugas dan tanggung jawab Dewan Komisaris; 2. Implementation of Board of Commissioners’ duties and
responsibilities;
3. Kelengkapan dan pelaksanaan tugas Komite; 3. Completeness and implementation of committee’s duties;
4. Penanganan benturan kepentingan; 4. Management of conflict of interest;
5. Penerapan fungsi kepatuhan; 5. Implementation of compliance function;
6. Penerapan fungsi Audit Internal; 6. Implementation of Internal Audit function;
7. Penerapan fungsi audit eksternal; 7. Implementation of external audit function;
8. Penerapan manajemen risiko, termasuk sistem pengendalian 8. Implementation of risk management including internal
internal; control system;
9. Penyediaan dana kepada pihak terkait (related party) dan 9. Provision of funds to related party and large exposure;
penyediaan dana besar (large exposure);
10. Transparansi kondisi keuangan dan non-keuangan Bank, 10. Transparency of the Bank’s financial and non-financial
laporan pelaksanaan GCG, dan pelaporan internal; dan condition, GCG Implementation Report, and Internal
Reporting; dan
11. Rencana strategis Bank. 11. The Bank’s strategic plan.
Berdasarkan self assessment yang dilakukan Bank atas penerapan Based on self-assessment conducted by the Bank on
GCG, diperoleh skor penilaian sebagai berikut: implementation of GCG, the following assessment score was
obtained:
Indikator Peringkat Definisi Peringkat
Indicator Rating Rating Definition
Individu 2 Bank telah melakukan penerapan GCG yang secara umum baik, tercermin dari penerapan terhadap
Individual 11 (sebelas) aspek yang telah dituangkan dalam analisis. Secara umum, beberapa kelemahan yang
ada kurang signifikan dari semester sebelumnya dan dapat diselesaikan dengan tindakan normal
oleh manajemen Bank.
The Bank has implemented GCG, which in general is good, as reflected in the implementation of the
11 (eleven) aspects outlined in the analysis. In general, some of the existing weaknesses were less
significant compared from the previous semester and can be resolved with normal action by the
management of the Bank.
Skor penilaian self assessment GCG tersebut, diperoleh The GCG self-assessment score was obtained from the analysis of
berdasarkan analisis kesesuaian pelaksanaan penilaian sendiri the suitability of Bank Victoria’s individual GCG self-assessment
GCG Bank Victoria secara individu dengan 3 (tiga) aspek, yaitu with 3 (three) aspects, which are governance structure,
governance structure, governance process, dan governance governance process, and governance outcome for each of the
outcome untuk setiap kriteria, serta tindak lanjutnya diuraikan criteria, and the follow-up is described as follows:
sebagai berikut:
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Tata Kelola Perusahaan
Good Corporate Governance
Kekuatan (Strength) Penerapan Tata Kelola Bank
The Strength of the Bank’s Governance Implementation
Governance Structure: Governance Structure:
1. Bank telah memenuhi struktur GCG dan sesuai ketentuan Peraturan 1. The Bank has met the GCG structure and in line with the provisions
Otoritas Jasa Keuangan No. 17 Tahun 2023 tentang Penerapan Tata of Financial Services Authority Regulation No. 17 of 2023 on
Kelola bagi Bank Umum. Hal tersebut dibuktikan dengan komposisi Implementation of Governance for Commercial Banks. This is shown by
anggota Dewan Komisaris, Direksi, Komite-Komite Bank (Komite di the composition of members of the Board of Commissioners, Board of
bawah Dewan Komisaris dan Komite di bawah Direksi) serta Satuan Kerja Directors, Bank Committees (Committees under Board of Commissioners
pada Bank telah sesuai dengan regulasi yang berlaku. Organ tata kelola and Committees under Board of Directors) and Work Units at the Bank
tersebut juga telah melaksanakan tugas serta tidak ada intervensi dari are in line with the applicable regulations. These governance organs
pemilik/Pemegang Saham Pengendali pada operasional Bank; have also done their duties without intervention from the owner/
controlling shareholder in the Bank’s operations;
2. Direksi Bank telah menyusun, menetapkan serta mengevaluasi dan 2. The Board of Directors of the Bank has prepared, set, evaluated
menginikan struktur organisasi dengan kejelasan tugas dan tanggung and updated the organizational structure with clear duties and
jawab terkait penerapan manajemen risiko yang disesuaikan dengan responsibilities related to the implementation of risk management that
tujuan dan kebijakan usaha, serta ukuran dan kompleksitas kegiatan is suited to the business objectives and policies, as well as the size and
usaha Bank yang selaras dengan Rencana Bisnis Bank; complexity of the Bank’s business activities that is align with the Bank’s
Business Plan;
3. Dewan Komisaris telah bertanggung jawab kepada Pemegang Saham 3. The Board of Commissioners is hold accountable to the Shareholders in
dalam hal pengawasan serta memberi saran dan/atau arahan atas supervising and providing advice and/or direction on Board of Directors’
kebijakan Direksi terhadap operasional Bank secara umum yang policies regarding the Bank’s operations, which in general refer to the
mengacu kepada rencana bisnis yang telah ditetapkan, serta memastikan established business plan, and ensuring compliance with all of the
kepatuhan terhadap seluruh peraturan dan perundang-undangan yang applicable laws and regulations;
berlaku;
4. Dewan Komisaris dalam menjalankan perannya terus memastikan Bank 4. In carrying out its role, the Board of Commissioners constantly ensuring
telah dikelola sesuai kepentingan pemangku kepentingan. Dewan the Bank is managed in line with the stakeholders’ interests. Also, the
Komisaris juga senantiasa menjaga objektivitas dan independensi Board of Commissioners always maintains objectivity and independence
dalam menjalankan tugas, sehingga tidak terlibat dalam pengambilan in carrying out its duties, so they are not involved in making operational
keputusan operasional Bank, kecuali hal-hal yang diatur dan ditetapkan decisions at the Bank, unless for matters regulated and stipulated in the
dalam Anggaran Dasar Bank dan peraturan perundang-undangan; dan Bank’s Articles of Association and statutory regulations; dan
5. Bank juga telah menerapkan prinsip 3 (tiga) lini pertahanan (three line 5. The Bank has also implemented the 3 (three) lines of defense in its
of defense) untuk sistem pengendalian internal. Setiap lini pertahanan internal control system. Each line of defense has specific responsibilities
memiliki serangkaian tanggung jawab khusus untuk manajemen dan set for the risk management and control.
pengendalian risiko.
Governance Process: Governance Process:
1. Direksi telah melaksanakan tugasnya sesuai kewenangannya 1. The Board of Directors has conducted the duties in line with the authority
berdasarkan Anggaran Dasar. Dalam pelaksanaan tugas dan tanggung set by the Articles of Association. In implementing the duties and
jawabnya termasuk dalam upaya pencapaian Rencana Bisnis Bank, responsibilities, including efforts to achieve the Bank’s Business Plan,
Direksi berpedoman pada peraturan perundang-undangan, Anggaran the Board of Directors is guided by the statutory regulations, Articles of
Dasar, BOD Charter maupun kebijakan GCG yang berlaku, sehingga Association, BOD Charter and applicable GCG policies, so the Board of
Direksi memastikan bahwa prinsip kehati-hatian, ketentuan batas Directors ensures that the prudence principle, provisions on maximum
maksimum pemberian kredit, ketentuan pihak terkait, dan sebagainya credit limit, and provisions of related parties, etc. can be adhered;
dapat dipatuhi;
2. Dewan Komisaris telah melakukan pengawasan terhadap kinerja Direksi, 2. The Board of Commissioners has supervised the Board of Directors’
baik melalui mekanisme rapat maupun berdasarkan masukan dari performance, both through meeting mechanisms and based on
Komite, serta memberikan saran dan/atau arahan secara tertulis; Committee’s inputs, and through written suggestions and/or directions;
3. Direktur yang membawahi kepatuhan telah memastikan kepatuhan 3. The Director in charge of compliance has ensured the Bank’s compliance
Bank terhadap ketentuan yang berlaku. Pelaksanaan fungsi Audit with applicable regulations. The implementation of the Bank’s Internal
Internal Bank telah berjalan sesuai dan memenuhi pedoman internal Audit function has been conducted in line with and meets the internal
sesuai dengan standar minimum yang telah ditetapkan dalam Standar guidelines of the minimum standards set out in the Bank’s Internal
Pelaksanaan Fungsi Audit Intern Bank. Selain itu, SKAI juga telah Audit Function Implementation Standards. In addition, SKAI has also
menjalankan fungsinya secara independen dan objektif; conducted its functions independently and objectively;
4. Penunjukan Compliance Champion pada setiap divisi dan/atau cabang 4. The appointment of a Compliance Champion in each division and/
dengan tugas membantu unit kepatuhan dalam melakukan sosialisasi or branch with the duty to assist the compliance unit in disseminating
peraturan dan/atau SOP di divisi dan/atau di setiap cabang. Pada regulations and/or SOPs in each division and/or branch. In the second
semester II tahun 2023, telah dilaksanakan sosialisasi peraturan dan/atau semester of 2023, dissemination of regulations and/or SOPs has been
SOP yang bertujuan untuk meningkatkan terciptanya budaya kepatuhan done with the objectives to encourage the creation of compliance
pada seluruh kegiatan usaha pada setiap jenjang organisasi; dan culture in all business activities at every level of the organization; and
5. Penunjukan akuntan publik telah melalui mekanisme yang diatur dalam 5. The public accountant’s appointment has been done through mechanism
kebijakan dan audit dilakukan secara independen dan profesional. set in the policy and the audit has been conducted independently and
professionally.
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Kekuatan (Strength) Penerapan Tata Kelola Bank
The Strength of the Bank’s Governance Implementation
Governance Outcome: Governance Outcome:
1. Hasil rapat menjadi salah satu acuan Direksi dalam melaksanakan tugas 1. The meeting results become one of the Board of Directors’ references
dan tanggung jawabnya, dengan tetap berpedoman pada GCG dan in conducting their duties and responsibilities, while still guided by
target pencapaian yang telah ditetapkan dalam Rencana Bisnis Bank. GCG and achievement targets set in the Bank’s Business Plan. Each
Masing-masing Komite juga senantiasa meningkatkan peran aktifnya Committee also constantly increasing its active role to follow up on
dalam menindaklanjuti hal-hal yang dibahas dalam rapat Komite. matters discussed at Committee meetings. The implementation of GCG
Penerapan praktik GCG di Bank Victoria merupakan suatu upaya dalam practices at Bank Victoria is an effort to continuously improving and
melakukan perbaikan dan peningkatan kualitas pengelolaan Bank secara enhancing the quality of the Bank management;
berkelanjutan;
2. Pencapaian kinerja semester II tahun 2023 cukup baik, namun masih 2. The performance achievement in second semester of 2023 is quite good,
terdapat inkonsistensi pada proses penyediaan dana, sehingga terlihat but inconsistencies still exist in the funds provision process, leading
pada masih terdapatnya sejumlah kredit kualitas rendah yang dapat to existence of several low quality credits that may potentially harm
berpotensi mengganggu kinerja rentabilitas dan permodalan Bank. the Bank’s profitability and capital performance. Achievements and
Pencapaian dan kondisi yang terjadi telah dikomunikasikan dalam rapat- conditions that occurred have been communicated in meetings as well
rapat serta berfokus pada penerapan strategi yang telah diambil Direksi as focused on implementing the strategies already taken by the Board of
dengan pengawasan dan arahan/saran dari Dewan Komisaris; Directors under the supervision and direction/suggestions from Board of
Commissioners;
3. Bank telah menyusun dan menyajikan laporan serta melaporkannya 3. The Bank has prepared and presented as well as reported following the
dengan tata cara, jenis, dan cakupan sebagaimana diatur dalam procedure, type, and coverage as stipulated in the Financial Services
ketentuan Otoritas Jasa Keuangan tentang Transparansi Kondisi Authority regulations on Transparency on Financial Conditions;
Keuangan;
4. Bank memastikan bahwa prinsip four eyes principles dan/atau GCG 4. The Bank ensures the four eyes principles and/or GCG are applied in all
diterapkan pada seluruh tahapan proses kerja guna memitigasi potensi stages of the work process to mitigate the violation potential (constantly
terjadinya pelanggaran (secara berkesinambungan terus membangun building a compliance culture in all work units);
budaya kepatuhan pada seluruh unit kerja);
5. Pelaksanaan audit oleh akuntan publik dilakukan secara objektif, 5. Implementation of audit by public accountant is conducted objectively,
independen, serta sesuai dan telah memenuhi persyaratan ketentuan independently, and in line with and meets the requirements of the
yang berlaku; applicable regulations;
6. Rencana Bisnis Bank tahun 2023 secara umum dapat direalisasikan 6. In general, the Bank’s Business Plan for 2023, can be realized well. This
dengan Baik. Hal tersebut dibuktikan dari pencapaian target is evidenced by the achievement of financial targets, the growth of asset
keuangan, pertumbuhan aset dan bisnis, serta perolehan laba dapat and business, and profit generation which were achieved relatively in
dicapai relatif sesuai dengan target yang ditetapkan. Bank juga terus line with the set targets. The Bank also keeps on striving to maintain
berupaya mempertahankan pertumbuhan yang sehat, meskipun harus healthy growth, although it has to face the lingering economic situation
menghadapi situasi ekonomi yang masih dalam ketidakpastian; dan uncertainties; and
7. Bank secara transparan telah menyampaikan informasi keuangan dan 7. The Bank has transparently submitted the financial and non-financial
non-keuangan kepada publik dengan baik melalui situs web Bank. information to the public via the Bank’s website. Submission of financial
Penyampaian informasi keuangan dan non-keuangan juga dilakukan and non-financial information is also conducted in a timely, complete
dengan tepat waktu, lengkap, dan akurat. and accurate manner.
Kelemahan (Weakness) Penerapan Tata Kelola Bank
The Strength of the Bank’s Governance Implementation
Governance Structure: Governance Structure:
Masih terdapat beberapa kelemahan sebagaimana hasil pemeriksaan oleh Several weaknesses still exists, as per the inspections results by regulators,
regulator, yaitu pada aspek perkreditan, operasional dan TI. Kelemahan pada namely in the credit, operational and IT aspects. The weaknesses in these
aspek tersebut antara lain disebabkan oleh masih perlu ditingkatkannya aspects are due to, among others, the need to improve the understanding
pemahaman dan konsistensi SDM terkait dalam pelaksanaan tugas dan and consistency of human resources in conducting their duties and
tanggung jawabnya berdasarkan Standar Operasional Prosedur (SOP) yang responsibilities based on the applicable Standard Operating Procedures
berlaku. (SOP).
Governance Process: Governance Process:
Berdasarkan hasil pemeriksaan Otoritas Jasa Keuangan masih terdapat Based on the results of inspection by the Financial Services Authority,
beberapa kelemahan dalam transaksi perkreditan, operasional dan TI, baik several weaknesses are found in credit transactions, operations and IT, both
dari isi proses maupun monitoring. Untuk mengatasi kelemahan ini, Bank in the process content and monitoring. In addressing the weaknesses, the
terus melakukan langkah perbaikan, seperti pembentukan Departemen Bank continuously making corrective measurements, such as establishing
Credit Monitoring yang bertugas khusus melakukan pemantauan credit the Credit Monitoring Department with special duty to monitor the credit
after disbursement dan melakukan collection; penginian kebijakan/SOP; after disbursement and carry out collections; updating policy/SOP; as well
serta intensifikasi pelatihan dalam rangka meningkatkan kompetensi as intensifying training to increase the competency of all employees
seluruh karyawan.
Governance Outcome: Governance Outcome:
1. Masih terdapat sanksi denda dari regulator atas pelanggaran ketentuan 1. Fines still imposed by regulators for violations of provisions due to
yang disebabkan oleh human error dan/atau tidak konsistennya human error and/or inconsistent implementation of transaction in line
pelaksanaan transaksi sesuai SOP yang berlaku; dan with the applicable SOP; and
2. Masih terdapat beberapa kebijakan dan/atau SOP yang harus diperbarui 2. Updates required on some policies and/or SOP, in relation with the
sehubungan dengan adanya perubahan regulasi yang menjadi acuan changes in regulations that are used as references and/or expiration of
dan/atau masa review kebijakan dan/atau SOP telah jatuh tempo. the review period of the policies and/or SOP.
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Tata Kelola Perusahaan
Good Corporate Governance
Rekomendasi dan Tindak Lanjut Penilaian GCG Recommendation and Follow-Up on GCG
Assessment
Berdasarkan hasil penilaian penerapan GCG tahun 2023, terdapat Based on the assessment results of GCG implementation in 2023,
beberapa rekomendasi dari regulator yang perlu ditindaklanjuti, there are several recommendations that need to be followed up,
sebagaimana data berikut ini: as shown in the following data:
Rekomendasi Tindak Lanjut
Recommendation Follow-up
Hasil pemeriksaan Otoritas Jasa Keuangan tahun 2022 wajib ditindaklanjuti Hasil pemeriksaan Otoritas Jasa Keuangan tahun 2022 seluruhnya telah
terutama untuk temuan dengan date sesuai komitmen Bank kepada ditindaklanjuti sesuai target date 2023.
Otoritas Jasa Keuangan. Results of the 2022 Financial Services Authority audit have been followed
Results of the 2022 Financial Services Authority audit must be followed up, up completely following the 2023 target date.
particularly for findings with date in line with the Bank’s commitment to
the Financial Services Authority.
Penyampaian laporan wajib menerapkan prinsip lengkap, akurat, dan tepat Bank telah menerapkan prinsip lengkap, akurat, dan tepat waktu dalam
waktu. pengiriman laporan, yaitu dengan menerapkan four eyes’ principles.
Submission of report must apply the complete, accurate and on time The Bank has applied the complete, accurate and on time principles in the
principles. submission of report, namely by applying the four eyes principle.
Rapat Umum Pemegang Saham
General Meeting of Shareholders
Rapat Umum Pemegang Saham (RUPS) merupakan organ tertinggi The General Meeting of Shareholders (GMS) is the highest
Bank yang mempunyai hak dan kewenangan yang tidak dimiliki organ of the Bank with rights and authority not given to the
oleh Dewan Komisaris dan Direksi dalam batasan yang ditentukan Board of Commissioners and Board of Directors within the limits
oleh peraturan perundang-undangan dan Anggaran Dasar Bank. determined by laws and regulations and the Bank’s Articles of
Selain itu, RUPS menjadi media komunikasi bagi Dewan Komisaris Association. In addition, the GMS becomes a communication
dan Direksi terkait penyampaian laporan pertanggungjawaban medium for the Board of Commissioners and Board of Directors
Dewan Komisaris dan Direksi kepada Pemegang Saham. regarding the submission of accountability reports from the
Board of Commissioners and Board of Directors to Shareholders.
Informasi mengenai Keputusan RUPS GMS Implementation in 2023
Tahun 2023
Pada tahun 2023, Bank menyelenggarakan 1 (satu) kali RUPS In 2023, the Bank held 1 (one) Annual GMS and did not hold any
Tahunan dan tidak menyelenggarakan RUPS lainnya. Informasi other GMS. Information on the implementation and resolutions
pelaksanaan dan hasil keputusan RUPS tahun 2023 diuraikan of the 2023 GMS is described as follows:
sebagai berikut:
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RUPS Tahunan 26 Mei 2023
Annual GMS 26 May 2023
Hari/Tanggal Jumat, 26 Mei 2023
Day/Date Friday, 26 May 2023
Waktu 09.45-10.55 WIB
Time
Graha BIP, Function Hall Lt. 11
Tempat
Jl. Gatot Subroto Kav. 23
Place Jakarta Selatan 12930
Kehadiran Dewan Komisaris Komisaris Utama Independen / Independent President Commissioner : Zaenal Abidin, Ph.D
Attendance of Board of Komisaris/Komisaris Independen / Commissioner/Independent Commissioner : Gunawan Tenggarahardja
Commissioners Komisaris/Komisaris Independen / Commissioner/Independent Commissioner : Sia Leng Ho
Direktur Utama / President Director : Achmad Friscantono
Wakil Direktur Utama / Deputy President Director : Rusli
Kehadiran Direksi
Direktur / Director : Lembing
Attendance of Board of Direktur / Director : Debora Wahjutirto Tanoyo
Directors Direktur Kepatuhan dan Manajemen Risiko / : Tamunan
Director of Compliance and Risk Management
RUPS dihadiri oleh Pemegang Saham yang mewakili 13.885.829.407 saham atau 87,62% dari seluruh saham
Pemegang Saham dengan hak suara yang sah yang telah dikeluarkan oleh Bank.
Shareholders The GMS was attended by Shareholders representing 13,885,829,407 shares or 87.62% of all shares with valid
voting rights issued by the Bank.
Bank telah menunjuk pihak independen yaitu Notaris Fathiah Helmi, SH, Biro Administrasi Efek yaitu PT Adimitra
Penunjukan Pihak Independen
Jasa Korpora, dan Kantor Akuntan Publik Purwantono, Sungkoro & Surja untuk melakukan proses penghitungan
dalam RUPS Tahunan
suara dan/atau melakukan validasi.
Appointment of Independent The Bank has appointed independent parties, namely Notary Fathiah Helmi, SH, Share Registrar Bureau
Party at the Annual GMS PT Adimitra Jasa Korpora, and Public Accounting Firm Purwantono, Sungkoro & Surja to count and/or validate votes.
Hasil Keputusan RUPS Tahunan 26 Mei 2023
Resolutions of Annual GMS 26 May 2023
Keputusan Realisasi Pengambilan Suara
Resolutions Realization Voting
Menyetujui Laporan Tahunan Perseroan termasuk Laporan Direksi, pengesahan Telah direalisasikan sepenuhnya. Musyawarah mufakat.
Laporan Keuangan Tahunan, serta Laporan Tugas Pengawasan Dewan Komisaris Fully realized. Amicable resolution.
pada tanggal 31 Desember 2022.
Approved the Company’s Annual Report including the Board of Directors’
Report, validation of the Annual Financial Statements, as well as the Board of
Commissioners’ Supervisory Report on 31 December 2022.
Menyetujui penetapan penggunaan laba bersih Bank untuk tahun buku yang Telah direalisasikan sepenuhnya. Musyawarah mufakat.
berakhir pada tanggal 31 Desember 2022. Fully realized. Amicable resolution.
Approved the determination of the use of the Bank’s net income for the fiscal year
ending 31 December 2022.
Menyetujui pemberian kuasa dan wewenang kepada wakil Pemegang Saham untuk Telah direalisasikan sepenuhnya. Musyawarah mufakat.
menetapkan besarnya honorarium anggota Dewan Komisaris serta memberi kuasa Fully realized. Amicable resolution.
dan wewenang kepada Dewan Komisaris untuk menetapkan pembagian tugas dan
wewenang anggota Direksi serta besarnya gaji dan tunjangan para anggota Direksi.
Approved to grant power and authority to representatives of Shareholders to
determine the honorarium amount for members of the Board of Commissioners
and to grant power and authority to the Board of Commissioners to determine the
division of duties and authorities of members of the Board of Directors and the
amount of salary and allowances for members of the Board of Directors.
Menyetujui menunjuk akuntan publik untuk mengaudit Laporan Keuangan Bank untuk Telah direalisasikan sepenuhnya. Musyawarah mufakat.
tahun buku 2023 dan memberikan kuasa kepada Dewan Komisaris untuk menetapkan Fully realized. Amicable resolution.
honorarium akuntan publik tersebut serta persyaratan lain penunjukannya.
Approved to appoint an Ndepe accountant to audit the Bank’s Financial Statements for
the 2023 fiscal year and granted authorities to the Board of Commissioners to determine
the honorarium for Ndepe accountant and other requirements for the appointment.
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Tata Kelola Perusahaan
Good Corporate Governance
Keputusan Realisasi Pengambilan Suara
Resolutions Realization Voting
Menyetujui perubahan Pasal 17 ayat (9) huruf b dan Pasal 23 ayat (5) Anggaran Telah direalisasikan sepenuhnya. Musyawarah mufakat.
Dasar Perseroan. Fully realized. Amicable resolution.
Approved the amendments to Article 17 paragraph (9) letter b and Article
23 paragraph (5) of the Company’s Articles of Association.
Menyetujui Laporan Realisasi Penggunaan Dana Penambahan Modal dengan Telah direalisasikan sepenuhnya. Musyawarah mufakat.
Memberikan Hak Memesan Efek Terlebih Dahulu VI, Penambahan Modal dengan Fully realized. Amicable resolution.
Memberikan Hak Memesan Efek Terlebih Dahulu VII, dan Penawaran Umum
Berkelanjutan Obligasi III tahap I Tahun 2023.
Approved the Report on the Realization of the Use of Proceeds from Capital
Increase with Pre-emptive Rights VI, Capital Increase with Pre-emptive Rights VII,
and Continuous Public Offering of Bonds III phase I Year 2023.
Menyetujui perubahan susunan pengurus Perseroan. Telah direalisasikan sepenuhnya. Musyawarah mufakat.
Approved changes to the composition of the Company’s management. Fully realized. Amicable resolution.
Informasi dan Realisasi mengenai Keputusan Information and Realization of the 2022
RUPS Tahunan 2022 Annual GMS Resolutions
Sepanjang tahun 2022, Bank Victoria telah menyelenggarakan Throughout 2022, Bank Victoria held 1 (one) Annual GMS on
1 (satu) kali RUPS Tahunan yang diselenggarakan pada tanggal 3 June 2022 and 2 (two) Extraordinary GMS on 10 August
3 Juni 2022 dan 2 (dua) kali RUPS Luar Biasa pada tanggal 2022 and 19 October 2022 at Graha BIP, Function Hall,
10 Agustus 2022 dan 19 Oktober 2022 di Graha BIP, Function Hall 11th floor, Jl. Gatot Subroto Kav. 23, Jakarta Selatan 12930.
Lt. 11, Jl. Gatot Subroto Kav. 23, Jakarta Selatan 12930.
Keputusan rapat dilakukan dengan cara musyawarah untuk Meeting’s resolutions are held by way of deliberation to reach
mufakat, apabila musyawarah untuk mufakat tidak tercapai, maka consensus, in the event deliberation to reach the consensus is not
dilakukan pemungutan suara. Bank Victoria menunjuk pihak reached, then voting is conducted. Bank Victoria appoints independent
independen untuk RUPS Tahunan dan RUPS Luar Biasa yaitu Biro parties for the Annual GMS and Extraordinary GMS, namely the Share
Administrasi Efek dan Notaris dalam melakukan perhitungan suara. Registrar Bureau and Notary to calculate the votes.
Hingga akhir Desember 2023, seluruh keputusan RUPS di tahun Until the end of December 2023, all resolutions of the 2022 GMS
2022 telah selesai direalisasikan dengan agenda RUPS diuraikan had been completed with the GMS agenda outlined as follows:
sebagai berikut:
RUPS Tahunan 3 Juni 2022 Annual GMS 3 June 2022
1. Persetujuan Laporan Tahunan Perseroan dan pengesahan 1. Approval of the Company’s Annual Report and ratification
Laporan Keuangan Perseroan untuk tahun buku yang berakhir of the Company’s Financial Statements for the fiscal year
pada tanggal 31 Desember 2021, Laporan Tugas Pengawasan ended 31 December 2021, the Board of Commissioners’
Dewan Komisaris serta memberikan pelunasan dan pembebasan Supervisory Report, and granting full release and discharge of
tanggung jawab sepenuhnya (acquit et de charge) kepada responsibility (acquit et de charge) to members of the Board
anggota Direksi dan Dewan Komisaris Perseroan. of Directors and Board of Commissioners of the Company.
2. Penetapan besarnya honorarium anggota Dewan Komisaris 2. Determination of honorarium amount for members of the
dan penetapan pembagian tugas dan wewenang anggota Board of Commissioners and determination of the division of
Direksi serta besarnya gaji dan tunjangan para anggota Direksi duties and authorities of members of the Board of Directors
Perseroan. and the amount of salary and allowances for members of the
Board of Directors of the Company.
3. Penunjukan akuntan publik independen terdaftar yang akan 3. Appointment of registered independent public accountant to
melakukan audit atas Laporan Keuangan Perseroan untuk audit the Company’s Financial Statements for the fiscal year
tahun buku yang berakhir pada 31 Desember 2022. ended 31 December 2022.
4. Persetujuan pengangkatan dan pengunduran diri Direksi dan 4. Approval of appointment and resignation of the Board of
Dewan Komisaris Perseroan. Directors and Board of Commissioners of the Company.
5. Persetujuan peningkatan modal dasar Perseroan. 5. Approval of increasing the authorized capital of the Company.
6. Persetujuan atas Penambahan Modal Perseroan dengan 6. Approval of the Company’s Capital Increase by granting
memberikan Hak Memesan Efek Terlebih Dahulu (PMHMETD) Pre-emptive Rights (PMHMETD) and amendments to the
dan perubahan Anggaran Dasar Perseroan. Company’s Articles of Association.
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RUPS Luar Biasa 10 Agustus 2022 Extraordinary GMS 10 August 2022
1. Perubahan Pasal 3 Anggaran Dasar Perseroan. 1. Amendment to Article 3 of the Company’s Articles of
Association.
2. Persetujuan rencana tindak pengembangan bisnis Bank 2. Approval of the Bank’s business development action plan
melalui peningkatan modal inti, kolaborasi dengan partner through increasing core capital, collaboration with strategic
strategis atau aksi korporasi lainnya. partners or other corporate actions.
3. Penambahan susunan pengurus Perseroan. 3. Addition to the composition of the Company’s management.
RUPS Luar Biasa 19 Oktober 2022 Extraordinary GMS 19 October 2022
1. Persetujuan atas rencana pelaksanaan Penambahan Modal 1. Approval of the plan to implement the Company’s
Perseroan dengan Hak Memesan Efek Terlebih Dahulu Capital Increase with Pre-emptive Rights (PMHMETD) as
(PMHMETD) sebagaimana dimaksud dalam Peraturan Otoritas referred to in the Financial Services Authority Regulation
Jasa Keuangan No. 32/2015, bersamaan dengan penerbitan No. 32/2015, together with the issuance of warrants, along
waran, berikut dengan pemberian kuasa dan wewenang with the granting of power and authority to the Board of
kepada Direksi Perseroan untuk menetapkan jumlah Directors of the Company to determine the number of shares
saham yang ditawarkan dalam PMHMETD, menetapkan offered in the PMHMETD, to determine the exercise price
harga pelaksanaan PMHMETD, melakukan segala tindakan for PMHMETD, to take all necessary actions in executing
yang diperlukan dalam pelaksanaan PMHMETD dengan PMHMETD by observing the applicable laws and regulations,
memperhatikan peraturan perundang-undangan yang and to increase the issued and paid-up capital after executing
berlaku, dan melakukan peningkatan modal ditempatkan PMHMETD.
dan modal disetor setelah pelaksanaan PMHMETD.
2. Persetujuan penetapan Direksi dan Dewan Komisaris 2. Approval of the appointment of the Board of Directors and
Perseroan. Board of Commissioners of the Company.
Dewan Komisaris
Board of Commissioners
Dewan Komisaris merupakan organ Bank yang bertugas The Board of Commissioners is the Bank’s organ that is in charge
dan bertanggung jawab untuk melakukan pengawasan dan of and responsible for supervising and providing advices to the
memberikan nasihat kepada Direksi serta memastikan bahwa Bank Board of Directors and ensuring that the Bank implements GCG
melaksanakan GCG pada seluruh tingkatan atau jenjang organisasi. at all levels of the organization.
Pedoman Dewan Komisaris Board of Commissioners Charter
Dewan Komisaris Bank telah memiliki pedoman kerja yang tertuang The Bank’s Board of Commissioners has a work guideline set out in
dalam Board of Commissioners Charter (BOC Charter). Pedoman the Board of Commissioners Charter (BOC Charter). The guideline
tersebut telah dimutakhirkan berdasarkan Keputusan Dewan has been updated based on the Board of Commissioners’ Decision
Komisaris No. 001/SK-KOM/12/23 tanggal 6 Desember 2023. No. 001/SK-KOM/12/23 dated 6 December 2023.
Ruang Lingkup Pekerjaan dan Tanggung Scope of Work and Responsibilities of Each
Jawab Masing-Masing Anggota Dewan Member of the Board of Commissioners
Komisaris
Berdasarkan Keputusan Dewan Komisaris No. 003/SK-KOM/11/22 Based on the Board of Commissioners’ Decision
tanggal 9 November 2022 tentang Pembagian Tugas dan No. 003/SK-KOM/11/22 dated 9 November 2022 regarding
Wewenang Anggota Board of Commissioners, tugas dan the Distribution of Duties and Authorities of the Board of
tanggung jawab masing-masing anggota Dewan Komisaris Commissioners’ Members, the duties and responsibilities of each
diuraikan sebagai berikut: member of the Board of Commissioners are described as follows:
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Tata Kelola Perusahaan
Good Corporate Governance
Zaenal Abidin, Ph.D
Komisaris Utama Independen
Independent President Commissioner
1. Melakukan koordinasi dan memberikan pengarahan kepada anggota 1. Coordinating and providing direction to the Board of Commissioners’
Dewan Komisaris; members;
2. Mengoordinasikan pengawasan yang dilakukan oleh anggota Dewan 2. Coordinating the supervision carried out by the Board of Commissioners’
Komisaris sesuai dengan bidangnya masing-masing; members according to their respective fields;
3. Menyelenggarakan dan memimpin: 3. Organizing and leading:
a. Rapat internal Dewan Komisaris; dan a. Board of Commissioners internal meeting; and
b. Rapat gabungan Dewan Komisaris dan Direksi guna membahas dan b. Joint meetings of the Board of Commissioners and Board of Directors
mengevaluasi perkembangan laporan kinerja Direksi; to discuss and evaluate the progress of the Board of Directors’
performance reports;
4. Melakukan pengawasan kegiatan pada bidang-bidang: 4. Supervising activities in the following areas:
a. Good Corporate Governance; a. Good Corporate Governance;
b. Compliance & System Procedure; b. Compliance & System Procedure;
c. Risk Management/Integrated; c. Risk Management/Integrated;
d. Tata Kelola Terintegrasi/Integrated Corporate Governance; dan d. Integrated Corporate Governance; and
e. SKAl/Integrated & Anti Fraud; e. SKAl/Integrated & Anti Fraud;
5. Melakukan pengawasan kegiatan bidang Internal Audit; 5. Supervising activities in Internal Audit areas;
6. Memberikan tugas lain kepada anggota Dewan Komisaris; 6. Giving other duties to the Board of Commissioners’ members;
7. Membuat konsep memorandum kepada Direksi berkaitan dengan 7. Creating a draft of memorandum to the Board of Directors relating to
pengawasan dan pembinaan bidangnya; the field supervision and development;
8. Mengambil alih tugas Komisaris lainnya apabila yang bersangkutan 8. Taking over the duties of other Commissioners in the event the person
berhalangan; serta concerned is absent; and
9. Memimpin rapat gabungan antara Direksi dan Dewan Komisaris. 9. Leading joint meetings between the Board of Directors and Board of
Commissioners.
Gunawan Tenggarahardja
Komisaris/Komisaris Independen
Commissioner/Independent Commissioner
1. Melakukan pengawasan kegiatan bidang-bidang: 1. Supervising activities in the following areas:
a. Perkreditan; a. Credit;
b. Information Technology; b. Information Technology;
c. Human Capital Management & General Affair; c. Human Capital Management & General Affair;
d. Corporate Legal; dan d. Corporate Legal; and
e. Credit Legal; e. Credit Legal;
2. Membahas permasalahan-permasalahan bidang yang berada di bawah 2. Discussing issues in the areas under their supervision;
pengawasannya;
3. Membantu mempersiapkan penyusunan laporan bagi Otoritas 3. Assisting the preparation of reports for the Financial Services Authority
Jasa Keuangan pada setiap akhir semester, khususnya mengenai at the end of each semester, particularly regarding the fields under their
bidang-bidang yang berada di bawah pengawasannya; supervision;
4. Membuat konsep memorandum kepada Direksi berkaitan dengan 4. Creating a draft of memorandum to the Board of Directors relating to
pengawasan dan pembinaan bidangnya; serta the field supervision and development; and
5. Mewakili tugas Komisaris Utama dan Komisaris lainnya, apabila yang 5. Representing the duties of the President Commissioner and other
bersangkutan berhalangan. Commissioners, in the event the person concerned cannot
Sia Leng Ho
Komisaris
Commissioner
1. Melakukan pengawasan kegiatan bidang-bidang: 1. Supervising activities in the following areas:
a. Retail Banking, Branch Banking Network & Performance; a. Retail Banking, Branch Banking Network & Performance;
b. Finance & Accounting; b. Finance & Accounting;
c. Operations; c. Operations;
d. Loan Operations; dan d. Loan Operations; and
e. Treasury & International Banking; e. Treasury & International Banking;
2. Membahas permasalahan-permasalahan bidang yang berada di bawah 2. Discussing issues in the areas under their supervision;
pengawasannya;
3. Membantu mempersiapkan penyusunan laporan bagi Otoritas Jasa 3. Assisting the preparation of reports for the Financial Services Authority
Keuangan pada setiap akhir semester, khususnya mengenai bidang- at the end of each semester, particularly regarding the fields under their
bidang yang berada di bawah pengawasannya; supervision;
4. Membuat konsep memorandum kepada Direksi berkaitan dengan 4. Creating a draft of memorandum to the Board of Directors relating to
pengawasan dan pembinaan bidangnya; serta the field supervision and development; and
5. Mewakili tugas Komisaris Utama dan Komisaris lainnya, apabila yang 5. Representing the duties of the President Commissioner and other
bersangkutan berhalangan. Commissioners, in the event the person concerned cannot attend the
meeting.
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Wewenang Dewan Komisaris Authority of the Board of Commissioners
Dalam menjalankan tugas dan tanggung jawab, Dewan Komisaris In performing its duties and responsibilities, the Board of
memiliki wewenang untuk: Commissioners has the authority to:
1. Dewan Komisaris dengan suara terbanyak setiap waktu 1. The Board of Commissioners with the most vote, at all
berhak memberhentikan untuk sementara waktu seorang times, has the rights to suspend one or more members
atau lebih anggota Direksi, jika bertindak bertentangan of the Board of Directors, if acting on the contrary to the
dengan Anggaran Dasar serta peraturan lainnya atau Articles of Association and other regulations or neglecting
melalaikan kewajibannya atau terdapat alasan yang the obligations or there is an urgent reason for the Bank,
mendesak bagi Bank, termasuk dalam hal Direksi sakit dan including in the case of the Board of Directors being sick and
tidak dapat menjalankan tugas. Dalam jangka waktu paling unable to perform the duties. Within the period of no more
lambat 30 hari setelah tanggal pemberhentian sementara than 30 days after the suspension date, a GMS must be held;
harus diselenggarakan RUPS;
2. Dalam hal jabatan salah seorang anggota Direksi kosong, baik 2. In the event that one position of Board of Directors is
mengundurkan diri maupun diberhentikan dan penggantinya vacant, either due to resignation or dismissal, and no
belum ada atau belum memangku jabatannya, maka Dewan successor available or has assumed the position, the Board
Komisaris berwenang menunjuk salah seorang anggota of Commissioners is authorized to appoint a member of the
Direksi untuk menjalankan pekerjaan anggota Direksi lainnya Board of Directors to carry out the work of the other vacant
yang kosong tersebut dengan kekuasaan dan wewenang position of the Board of Directors with equal power and
yang sama dan Direktur tersebut dapat bertindak untuk dan authority, and this Director may act for and on behalf of the
atas nama Direksi serta menunjuk pihak lain untuk mewakili Board of Directors and appoint other party to represent the
Bank dalam hal terjadi benturan kepentingan Bank dengan Bank in the event of a conflict of interest of the Bank with the
kepentingan semua anggota Direksi; interest of all members of the Board of Directors;
3. Menetapkan komposisi Direksi berdasarkan kewenangan 3. Determining the composition of the Board of Directors based
yang dilimpahkan oleh RUPS; on the authority delegated by the GMS;
4. Mendapatkan informasi dari Direksi Entitas Anak terkait 4. Obtaining information from the Board of Directors of a
dengan kondisi Entitas Anak; dan Subsidiary related to the Subsidiary condition; and
5. Menyetujui atau menolak secara tertulis tindakan-tindakan 5. Approving or rejecting in writing the actions of the Board of
yang dilakukan Direksi seperti yang tercantum dalam BOC Directors as stated in the BOC Charter.
Charter.
Jumlah, Komposisi, dan Independensi Dewan Number, Composition, and Independence of
Komisaris the Board of Commissioners
Jumlah dan Komposisi Number and Composition
Anggota Dewan Komisaris Bank minimal berjumlah 3 (tiga) orang, The Board of Commissioners of the Bank shall at least consists
termasuk Komisaris Independen. Masa jabatan Dewan Komisaris of 3 (three) members, including Independent Commissioner. The
adalah 3 (tiga) tahun sejak diangkat dalam RUPS dengan tidak term of office of the Board of Commissioners is 3 (three) years
mengurangi hak RUPS untuk memberhentikan Dewan Komisaris effective from the appointment in the GMS, without prejudice
sewaktu-waktu dengan memperhatikan ketentuan Anggaran to the GMS’ right to dismiss the Board of Commissioners at any
Dasar. Pada tahun 2023, jumlah dan komposisi Dewan Komisaris given time with due observance of the Articles of Association. In
Bank Victoria sebagai berikut: 2023, the number and composition of Bank Victoria’s Board of
Commissioners were as follows:
Nama Jabatan Dasar Hukum Pengangkatan dan Masa Jabatan
Name Position Legal Basis of Appointment and Term of Office
Zaenal Abidin, Ph.D Komisaris Utama Independen Keputusan RUPS Tahunan tanggal 3 Juni 2022 (2022-2025).
Independent President Commissioner Annual GMS Resolution dated 3 June 2022 (2022-2025).
Gunawan Tenggarahardja Komisaris/Komisaris Independen Keputusan RUPS Tahunan tanggal 3 Juni 2022 (2022-2025).
Commissioner/Independent Commissioner Annual GMS Resolution dated 3 June 2022 (2022-2025).
Sia Leng Ho Komisaris Keputusan RUPS Luar Biasa tanggal 10 Agustus 2022 (2022-2025).
Commissioner Extraordinary GMS Resolutions dated 10 August 2022 (2022-2025).
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Tata Kelola Perusahaan
Good Corporate Governance
Independensi Independence
Bank menjamin independensi seluruh anggota Dewan Komisaris The Bank guarantees the independence of all members of Board
dalam menjalankan tugas dan tanggung jawabnya. Dewan of Commissioners in performing their duties and responsibilities.
Komisaris juga senantiasa bersikap profesional untuk memberikan The Board of Commissioners also always behaves professionally
kontribusi bagi kemajuan Bank. to contribute to the progress of the Bank.
Penilaian Kemampuan dan Kepatutan Dewan Fit and Proper Test for the Board of
Komisaris Commissioners
Sebagaimana disyaratkan dalam Peraturan Otoritas Jasa As required in Financial Services Authority Regulation
Keuangan No. 27/POJK.03/2016 tentang Penilaian Kemampuan No. 27/POJK.03/2016 on Fit and Proper Test for Key Parties
dan Kepatutan bagi Pihak Utama Lembaga Jasa Keuangan, of Financial Services Institutions, candidates for the Board
calon anggota Dewan Komisaris wajib memperoleh persetujuan of Commissioners are required to obtain approval from the
dari Otoritas Jasa Keuangan sebelum menjalankan tugasnya. Financial Services Authority before performing their duties. In
Pada tahun 2023, seluruh anggota Dewan Komisaris Bank telah 2023, all members of the Bank’s Board of Commissioners fulfilled
memenuhi seluruh persyaratan dan telah lulus uji penilaian all requirements and passed the fit and proper test for the key
kemampuan dan kepatutan bagi pihak utama, sebagaimana parties, as proven by the decisions of the Financial Services
dibuktikan dengan keputusan Otoritas Jasa Keuangan dan Bank Authority and Bank Indonesia mentioned in each member of the
Indonesia yang disebutkan pada masing-masing profil anggota Board of Commissioners’ profile in the Company Profile chapter.
Dewan Komisaris pada bab Profil Perusahaan.
Komisaris Independen Independent Commissioner
Bank Victoria memiliki 2 (dua) Komisaris Independen atau 66,67% Bank Victoria has 2 (two) Independent Commissioners or 66.67% of
dari total 3 (tiga) anggota Dewan Komisaris. Dengan demikian, the total 3 (three) members of the Board of Commissioners. Thus,
Bank telah memenuhi ketentuan dalam Peraturan Otoritas Jasa the Bank has complied with the provisions of Financial Services
Keuangan No. 17 Tahun 2023 tentang Penerapan Tata Kelola bagi Authority Regulation No. 17 of 2023 on the Implementation of
Bank Umum, yang mewajibkan Bank untuk memiliki Komisaris Governance for Commercial Bank, which requires Bank to have
Independen minimal 50% dari total anggota Dewan Komisaris. Independent Commissioners of at least 50% of the total members
Berikut persyaratan Komisaris Independen Bank: of the Board of Commissioners. Below are the requirements to be
the Bank’s Independent Commissioner:
1. Bukan merupakan orang yang bekerja atau mempunyai 1. Not being employed nor having the authority and
wewenang dan tanggung jawab untuk merencanakan, responsibility to plan, lead, control, or supervise the
memimpin, mengendalikan, atau mengawasi kegiatan Bank’s activities within the last 6 (six) months, except for
Bank dalam waktu 6 (enam) bulan terakhir, kecuali untuk reappointment as the Bank’s Independent Commissioner in
pengangkatan kembali sebagai Komisaris lndependen Bank the next period;
pada periode berikutnya;
2. Tidak mempunyai saham baik langsung maupun tidak langsung 2. Not possessing any shares in the Bank, either directly or
pada Bank; indirectly;
3. Tidak mempunyai hubungan afiliasi dengan Bank, anggota 3. Not having affiliation relationship with the Bank, members of
Dewan Komisaris, anggota Direksi atau Pemegang Saham Board of Commissioners, members of Board of Directors, or
Utama Bank; dan the Bank’s Main Shareholders; and
4. Tidak mempunyai hubungan usaha baik langsung maupun tidak 4. Not having business relationship, either directly or indirectly,
langsung yang berkaitan dengan kegiatan usaha Bank tersebut. that are related to the Bank’s business activities.
Pernyataan Independensi Statement of Independency
Seluruh Komisaris Independen Bank telah menandatangani Surat All of the Bank’s Independent Commissioners have signed a
Pernyataan Independensi dan lulus fit and proper test sebagai Statement of Independence and passed the fit and proper test
Komisaris Independen sesuai dengan ketentuan Otoritas Jasa as Independent Commissioners in accordance with the provisions
Keuangan tentang fit and proper test. of the Financial Services Authority regarding fit and proper test.
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Rapat Dewan Komisaris Board of Commissioners’ Meetings
Kebijakan Rapat Dewan Komisaris Board of Commissioners’ Meeting Policy
Dewan Komisaris minimal melaksanakan 1 (satu) kali rapat The Board of Commissioners holds at least 1 (one) internal
internal selama 2 (dua) bulan dan minimal 1 (satu) kali dalam meeting in 2 (two) months and at least 1 (one) joint meeting
4 (empat) bulan rapat gabungan dengan Direksi. Rapat wajib every 4 (four) months with the Board of Directors. Meeting must
dihadiri oleh seluruh anggota Dewan Komisaris secara fisik be attended by all members of the Board of Commissioners in
minimal 2 (dua) kali dalam 1 (satu) tahun, dan apabila anggota person at least 2 (two) times in 1 (one) year, and if members
Dewan Komisaris tidak dapat hadir dalam rapat Dewan Komisaris of the Board of Commissioners cannot attend the Board of
secara fisik, maka Dewan Komisaris dapat menghadiri rapat Commissioners’ meeting in person, such members can attend the
melalui teknologi teleconference. meeting via teleconference technology.
Frekuensi Kehadiran Rapat Dewan Komisaris Board of Commissioners’ Frequency of
Attendance in Meetings
Selama tahun 2023, frekuensi kehadiran Dewan Komisaris dalam Throughout 2023, the Board of Commissioners’ frequency of
rapat ditunjukkan sebagai berikut: attendance at meetings is shown as follows:
Rapat Internal Dewan Komisaris
Rapat Gabungan dengan Direksi
Board of Commissioners Internal
Joint Meeting with Board of Directors
Meeting
Nama Jabatan Tingkat Tingkat
Name Position Total Total Total Total
Kehadiran Kehadiran
Rapat Kehadiran Rapat Kehadiran
Attendance Attendance
Total Total Total Total
Rate Rate
Meetings Attendance Meetings Attendance
(%) (%)
Zaenal Abidin, Ph.D Komisaris Utama Independen
Independent President 8 8 100.00 13 13 100.00
Commissioner
Gunawan Komisaris/Komisaris
Tenggarahardja Independen
8 8 100.00 13 13 100.00
Commissioner/Independent
Commissioner
Sia Leng Ho Komisaris
8 8 100.00 13 13 100.00
Commissioner
Kehadiran Dewan Komisaris dalam RUPS dapat dilihat pada The attendance of the Board of Commissioners at GMS can be
bagian Rapat Umum Pemegang Saham. seen in the General Meeting of Shareholders section.
Agenda Rapat Internal Dewan Komisaris Agenda of Board of Commissioners’ Internal
Meeting
Agenda yang dibahas dalam rapat internal Dewan Komisaris The agenda discussed in the internal meeting of Board of
khususnya terkait rekomendasi kebijakan Pedoman Gratifikasi/ Commissioners is specifically related to recommendations for
Bonus tahun 2022-2023 bagi pengurus dan karyawan Bank, 2022-2023 Gratification/Bonus Guidelines policy for Bank’s
rekomendasi Direktur Operasional dan IT, rencana perubahan management and employees, recommendations for Director of
Anggaran Dasar, rekomendasi tunjangan akhir tahun bagi Operations and IT, plans for changes to Articles of Association,
pengurus dan karyawan, persetujuan penunjukan anggota Dewan recommendations for year-end allowances for management and
Komisaris yang mewakili Dewan Komisaris dalam melakukan employees, approval of the appointment of members of the
tindakan/perbuatan hukum tertentu, profil risiko, penerbitan Board Commissioner representing the Board of Commissioners in
Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023 tentang carrying out certain legal actions/actions, risk profiles, issuance
Penerapan Tata Kelola bagi Bank Umum, rencana kerja Dewan of Financial Services Authority Regulation No. 17 of 2023 on
Komisaris tahun 2024, Rencana Bisnis Bank 2024-2026, dan Implementation of Governance for Commercial Banks, the
perubahan BOC Charter dalam rangka penyesuaian dengan Board of Commissioners 2024 work plan, Bank Business Plan
Peraturan Otoritas Jasa Keuangan yang baru. 2024-2026, and changes to BOC Charter to adjust to the new
Financial Services Authority Regulations.
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Tata Kelola Perusahaan
Good Corporate Governance
Agenda Rapat Gabungan dengan Direksi Agenda of Joint Meeting with Board of Directors
Agenda yang dibahas dalam rapat gabungan dengan Direksi The agenda discussed in the joint meeting with the Board of
khususnya terkait target internal Bank Victoria tahun 2023, Directors is specifically related to Bank Victoria’s internal targets
kinerja Bank dibandingkan target internal dan Rencana for 2023, Bank’s performance compared to the internal targets and
Bisnis Bank, tindak lanjut memo Dewan Komisaris, teknologi Bank’s Business Plan, follow-up to the Board of Commissioners’
informasi, kinerja keuangan dibandingkan target internal dan memo, information technology, financial performance compared
Rencana Bisnis Bank, revisi Rencana Bisnis Bank 2023-2025, to the internal targets and Bank’s Business Plan, revision of
Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme Bank’s Business Plan 2023-2025, Anti-Money Laundering and
(APU dan PPT), SuperApps Digital on Boarding, dan Rencana Counter Terrorism Financing (AML and CTF), SuperApps Digital
Bisnis Bank 2024-2026. on Boarding, and Bank Business Plan 2024-2026.
Persetujuan dan Rekomendasi Dewan Board of Commissioners’ Approvals and
Komisaris Recommendations
Ketentuan terkait keputusan yang perlu mendapat persetujuan Provisions related to decisions that need approval of the Board of
Dewan Komisaris sebagaimana diatur dalam Peraturan Otoritas Commissioners as stipulated in the Financial Services Authority
Jasa Keuangan No. 55/POJK.03/2016 dan Peraturan Otoritas Regulation No. 55/POJK.03/2016 and Financial Services
Jasa Keuangan No. 17 Tahun 2023, yaitu: Authority Regulation No. 17 of 2023 are:
1. Dewan Komisaris dilarang untuk ikut serta dalam pengambilan 1. The Board of Commissioners is prohibited from taking part in
keputusan untuk kegiatan operasional Bank, kecuali: decision making for the Bank’s operational activities, unless:
a. Penyediaan dana kepada pihak terkait sebagaimana a. Provision of fund to related party as stipulated
diatur dalam ketentuan mengenai batas maksimum in the provisions regardin g legal lending limit for
pemberian kredit bank umum; dan commercial bank; and
b. Hal-hal lain yang ditetapkan dalam Anggaran Dasar Bank b. Other matters specified in the Bank’s Articles of
atau peraturan perundang-undangan yang berlaku; Association or in the applicable laws and regulations;
2. Pengambilan keputusan kegiatan operasional Bank oleh 2. Decision making on Bank operational activities by the Board
Dewan Komisaris sebagaimana dimaksud di atas merupakan of Commissioners as referred to in the above is part of the
bagian dari tugas pengawasan oleh Dewan Komisaris supervisory function of the Board of Commissioners and
sehingga tidak meniadakan tanggung jawab Direksi atas does not negate the Board of Directors’ responsibility for the
pelaksanaan kepengurusan Bank. implementation of Bank management.
Sementara itu, Dewan Komisaris telah mengeluarkan 29 Meanwhile, the Board of Commissioners issued 29 approvals and
persetujuan dan rekomendasi di sepanjang tahun 2023, seperti recommendations throughout 2023, including directions on the
arahan hasil penelaahan tren pertumbuhan kinerja usaha dan review results of business performance growth trends and targets
pencapaian target Rencana Bisnis Bank triwulan IV 2022, serta achievement of Bank’s Business Plan Quarter IV-2022, as well as
rekomendasi mengenai evaluasi tunjangan operasional, dan lain recommendation on the evaluation of operational allowances,
sebagainya. and so on.
Sertifikasi Manajemen Risiko Dewan Board of Commissioners’ Risk Management
Komisaris Certification
Berdasarkan Peraturan Otoritas Jasa Keuangan No. 24 Tahun Based on Financial Services Authority Regulation No. 24 of 2022
2022 tentang Pengembangan Kualitas Sumber Daya Manusia on Human Resources Quality Development for Commercial
Bank Umum, salah satu syarat umum dan standardisasi Banks, one of the general requirements and standardization of
kompetensi serta keahlian manajemen Bank adalah dengan competence and expertise of Bank management is to have risk
dimilikinya sertifikasi manajemen risiko. Terkait hal tersebut, management certification. As such, Bank Victoria’s Board of
Dewan Komisaris Bank Victoria telah mengikuti sertifikasi Commissioners has attended the risk management certification
manajemen risiko yang dapat dilihat pada masing-masing profil which can be seen in profile of each Board of Commissioners’
anggota Dewan Komisaris pada bab Profil Perusahaan. member in the Company Profile chapter.
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Direksi
Board of Directors
Direksi merupakan organ yang bertanggung jawab atas jalannya The Board of Directors is the organ that is responsible for
pengurusan Bank untuk kepentingan Bank serta sesuai dengan managing the Bank for the Bank’s interests and in accordance
maksud dan tujuan yang telah ditetapkan oleh Bank. with the aims and objectives determined by the Bank.
Pedoman Direksi Board of Directors Charter
Direksi Bank telah memiliki pedoman kerja yang tertuang The Bank’s Board of Directors has a work guideline set
dalam Board of Directors Charter (BOD Charter). Pedoman out in the Board of Directors Charter (BOD Charter).
tersebut telah dimutakhirkan berdasarkan Keputusan Direksi The guidelines are updated based on Board of Directors’ Decision
No. 006A/SK-DIR/12/23 tanggal 6 Mei 2023. No. 006A/SK-DIR/12/23 dated 6 May 2023.
Ruang Lingkup Pekerjaan dan Tanggung Scope of Work and Responsibility of Each
Jawab Masing-Masing Anggota Direksi Member of the Board of Directors
Berdasarkan Keputusan No. 001/SK-KOM/02/22 tanggal Based on the Decision No. 001/SK-KOM/02/22 dated 23 February
23 Februari 2022 tentang Pembagian Tugas dan Wewenang 2022 on the Distribution of Duties and Authorities of the Board of
Anggota Board of Directors, tugas dan tanggung jawab Directors’ Members, the duties and responsibilities of each Board
masing-masing Direksi sebagai berikut: of Directors are as follows:
Achmad Friscantono
Direktur Utama
President Director
Koordinasi pengelolaan Bank Victoria yang membawahi Divisi: Coordination of Bank Victoria management which oversees the Divisions of:
1. SEVP of Change Management Office; 1. SEVP of Change Management Office;
2. SKAI & Anti Fraud; 2. SKAI & Anti Fraud;
3. Corporate Legal; 3. Corporate Legal;
4. Treasury; dan 4. Treasury; and
5. Information Technology. 5. Information Technology.
Rusli
Wakil Direktur Utama
Deputy President Director
Wakil Direktur Utama yang membawahi Divisi: Deputy President Director in charge of Divisions of:
1. SEVP of Operations & International Banking; 1. SEVP of Operations & International Banking;
2. Operations & Internal Control Division; 2. Operations & Internal Control Division;
3. International Banking Division; 3. International Banking Division;
4. Special Asset Management Division; 4. Special Asset Management Division;
5. Credit Risk Review Division; 5. Credit Risk Review Division;
6. Human Capital Management & General Affair Division; dan 6. Human Capital Management & General Affair Division; and
7. Credit Monitoring & Collection. 7. Credit Monitoring & Collection.
Lembing
Direktur Bisnis
Director of Business
Direktur Bisnis yang membawahi Divisi: Director of Business in charge of Divisions of:
1. SEVP of Business; 1. SEVP of Business;
2. Commercial Banking; dan 2. Commercial Banking; and
3. SME & Consumer Banking Division. 3. SME & Consumer Banking Division.
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Tata Kelola Perusahaan
Good Corporate Governance
Debora Wahjutirto Tanoyo
Direktur Keuangan
Director of Finance
Direktur Keuangan dan Loan Admin yang membawahi Divisi: Director of Finance and Loan Admin in charge of Divisions of:
1. SEVP of Finance, Accounting & Management Information System; 1. SEVP of Finance, Accounting & Management Information System;
2. Accounting Division; 2. Accounting Division;
3. Management Information System (MIS); 3. Management Information System (MIS);
4. Loan & Trade Operation Division; 4. Loan & Trade Operation Division;
5. Credit Legal Division; dan 5. Credit Legal Division; and
6. Branch Branking Network & Digital; Sales Division. 6. Branch Branking Network & Digital; Sales Division.
Tamunan
Direktur Kepatuhan dan Manajemen Risiko
Director of Compliance and Risk Management
Direktur Kepatuhan dan Manajemen Risiko yang membawahi Director of Compliance and Risk Management in charge of
Divisi/Unit/Departemen: Divisions/Unit/Department:
1. Compliance & System Procedure Division; 1. Compliance & System Procedure Division;
2. Risk Management/Integrated Division; 2. Risk Management/Integrated Division;
3. Corporate Secretary Division; dan 3. Corporate Secretary Division; and
4. Anti Money Laundering, Counter Terrorist Financing & Weapon Mass 4. Anti Money Laundering, Counter Terrorist Financing & Weapon Mass
Destruction (AML, CTF & WMD). Destruction (AML, CTF & WMD).
Wewenang Direksi Authority of the Board of Directors
Dalam menjalankan tugas dan tanggung jawab, Direksi memiliki In performing its duties and responsibilities, the Board of
wewenang untuk: Directors has the authority to:
1. Mewakili Bank di dalam dan di luar pengadilan tentang 1. Represent the Bank in and out of court on all matters and
segala hal dan dalam segala kejadian, mengikat Bank dengan in any events, to bind the Bank to other parties and other
pihak lain dan pihak lain dengan Bank, serta menjalankan parties to the Bank, and to carry out all actions, both on
segala tindakan, baik yang mengenai kepengurusan maupun the management and ownership, with the limitations as
kepemilikan, dengan pembatasan yang ditetapkan dalam stipulated in the Articles of Association with due regard to
Anggaran Dasar dan dengan memperhatikan peraturan the applicable laws and regulations;
perundang-undangan yang berlaku;
2. Untuk melakukan tindakan tertentu, Direksi terlebih dahulu 2. To perform certain actions, the Board of Directors must first
harus mendapat persetujuan tertulis dari Dewan Komisaris obtain written approval from the Board of Commissioners,
kecuali ditentukan lain oleh peraturan dan ketentuan yang unless stipulated otherwise by the applicable rules and
berlaku; dan regulations; and
3. Memperoleh, mengalihkan atau melepaskan dengan cara 3. To obtain, transfer, or waive by any means the rights to
apapun hak-hak atas barang-barang tidak bergerak dan Bank. immovable property and the Bank.
Jumlah, Komposisi, dan Independensi Direksi Number, Composition, and Independence of
the Board of Directors’
Jumlah dan Komposisi Number and Composition
Anggota Direksi Bank minimal berjumlah 3 (tiga) orang, yang The Board of Directors of the Bank shall at least consists of 3
terdiri dari seorang Direktur Utama dan 2 (dua) orang Direktur. (three) members, consisting of President Director and 2 (two)
Masa jabatan Direksi adalah 3 (tiga) tahun sejak diangkat dalam Directors. The term of office of the Board of Directors is 3 (three)
RUPS dengan tidak mengurangi hak RUPS untuk memberhentikan years effective from the appointment in the GMS, without
Direksi sewaktu-waktu dengan memperhatikan ketentuan prejudice to the GMS’ right to dismiss the Board of Directors at
Anggaran Dasar. Pada tahun 2023, jumlah dan komposisi Direksi any given time with due observance of the Articles of Association.
Bank Victoria sebagai berikut: In 2023, the number and composition of Bank Victoria’s Board of
Directors were as follows:
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Nama Jabatan Dasar Hukum Pengangkatan dan Masa Jabatan
Name Position Legal Basis of Appointment and Term of Office
Achmad Friscantono Direktur Utama Keputusan RUPS Tahunan tanggal 3 Juni 2022 (2022-2025).
President Director Annual GMS Resolution dated 3 June 2022 (2022-2025).
Rusli Wakil Direktur Utama Keputusan RUPS Tahunan tanggal 3 Juni 2022 (2022-2025).
Deputy President Director Annual GMS Resolution dated 3 June 2022 (2022-2025).
Lembing Direktur Keputusan RUPS Tahunan tanggal 3 Juni 2022 (2022-2025).
Director Annual GMS Resolution dated 3 June 2022 (2022-2025).
Debora Wahjutirto Direktur Keputusan RUPS Tahunan tanggal 3 Juni 2022 (2022-2025).
Tanoyo Director Annual GMS Resolution dated 3 June 2022 (2022-2025).
Tamunan Direktur Kepatuhan dan Manajemen Risiko Keputusan RUPS Tahunan tanggal 3 Juni 2022 (2022-2025).
Director of Compliance and Risk Management Annual GMS Resolution dated 3 June 2022 (2022-2025).
Independensi Independence
Bank menjamin independensi seluruh anggota Direksi dalam The Bank guarantees the independence of all members of Board
menjalankan tugas dan tanggung jawabnya. Direksi juga of Directors in performing their duties and responsibilities.
senantiasa bersikap profesional untuk memberikan kontribusi The Board of Directors also always behaves professionally to
bagi kemajuan Bank. contribute to the progress of the Bank.
Penilaian Kemampuan dan Kepatutan Direksi Fit and Proper Test for the Board of Directors
Sebagaimana disyaratkan dalam Peraturan Otoritas Jasa As required in Financial Services Authority Regulation
Keuangan No. 27/POJK.03/2016 tentang Penilaian Kemampuan No. 27/POJK.03/2016 on Fit and Proper Test for Key Parties
dan Kepatutan bagi Pihak Utama Lembaga Jasa Keuangan, calon of Financial Services Institutions, candidates for the Board of
anggota Direksi wajib memperoleh persetujuan dari Otoritas Directors are required to obtain approval from the Financial
Jasa Keuangan sebelum menjalankan tugasnya. Pada tahun Services Authority before performing their duties. In 2023,
2023, seluruh anggota Direksi Bank telah memenuhi seluruh all members of the Bank’s Board of Directors fulfilled all
persyaratan dan telah lulus uji penilaian kemampuan dan requirements and passed the fit and proper test for the key
kepatutan bagi pihak utama, sebagaimana dibuktikan dengan parties, as proven by the decisions of the Financial Services
keputusan Otoritas Jasa Keuangan dan Bank Indonesia yang Authority and Bank Indonesia, mentioned in each member of the
disebutkan pada masing-masing profil anggota Direksi pada bab Board of Directors’ profile in the Company Profile chapter.
Profil Perusahaan.
Rapat Direksi Board of Directors’ Meetings
Kebijakan Rapat Direksi Board of Directors’ Meeting Policy
Direksi minimal melaksanakan 1 (satu) kali rapat internal dalam The Board of Directors holds at least 1 (one) internal meeting in
1 (satu) bulan dan minimal 1 (satu) kali dalam 4 (empat) bulan 1 (one) month and at least 1 (one) joint meeting every 4 (four)
rapat gabungan dengan Dewan Komisaris. Rapat Direksi dapat months with the Board of Commissioners. The Board of Directors’
diselenggarakan apabila dihadiri secara fisik ataupun secara meetings can be held if attended in person or via teleconference
telekonferensi oleh ½ bagian atau lebih dari jumlah anggota by ½ or more members of the Board of Directors.
Direksi.
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Tata Kelola Perusahaan
Good Corporate Governance
Frekuensi Kehadiran Rapat Direksi Board of Directors’ Frequency of Attendance in
Meetings
Selama tahun 2023, frekuensi kehadiran Direksi dalam rapat Throughout 2023, the Board of Directors’ frequency of
ditunjukkan sebagai berikut: attendance at meetings is shown as follows:
Rapat Gabungan dengan Dewan
Rapat Internal Direksi Komisaris
Board of Directors Internal Meeting Joint Meeting with Board of
Commissioners
Nama Jabatan
Name Position Tingkat Tingkat
Total Total Total Total
Kehadiran Kehadiran
Rapat Kehadiran Rapat Kehadiran
Attendance Attendance
Total Total Total Total
Rate Rate
Meetings Meetings Meetings Meetings
(%) (%)
Achmad Friscantono Direktur Utama
52 51 98.08 13 13 100.00
President Director
Rusli Wakil Direktur Utama
Deputy President 52 48 92.31 13 13 100.00
Director
Lembing Direktur
52 45 86.54 13 12 92.31
Director
Debora Wahjutirto Tanoyo Direktur
52 49 94.23 13 13 100.00
Director
Tamunan Direktur Kepatuhan
dan Manajemen Risiko
52 48 92.31 13 13 100.00
Director of Compliance
and Risk Management
Kehadiran Direksi dalam RUPS dapat dilihat pada bagian Rapat The attendance of the Board of Directors at GMS can be seen in
Umum Pemegang Saham. the General Meeting of Shareholders section.
Agenda Rapat Internal Direksi Agenda of Board of Directors’ Internal Meeting
Agenda yang dibahas dalam rapat internal Direksi khususnya The agenda discussed in the internal meeting of Board of Directors
terkait kinerja kredit, proyeksi Non Performing Loan (NPL), kinerja is specifically related to credit performance, Non-Performing Loan
keuangan, paparan Direktorat, Aset yang Diambil Alih (AYDA) dan (NPL) projections, financial performance, Directorate presentation,
write off, makroekonomi dan penginian faktor rentabilitas dan Foreclosed Assets (AYDA) and write off, macroeconomics and
faktor permodalan, revisi Rencana Bisnis Bank 2023-2025, dan updates of profitability factor and capital factor, revision of Bank
proyeksi kinerja kredit. Business Plan 2023-2025, and credit performance projections.
Agenda Rapat Gabungan dengan Dewan Agenda of Joint Meeting with Board of
Komisaris Commissioners
Agenda yang dibahas dalam rapat gabungan dengan Dewan The agenda discussed in the joint meeting with the Board of
Komisaris dapat dilihat pada bagian Rapat Dewan Komisaris. Commissioners can be seen in the Board of Commissioners’
Meetings section.
Persetujuan dan Rekomendasi Direksi Board of Directors’ Approvals and
Recommendations
Pada tahun 2023, Direksi telah mengeluarkan 149 persetujuan dan In 2023, the Board of Directors issued 149 approvals and
rekomendasi sebagai upaya perbaikan kinerja, seperti Kebijakan recommendations to improve its performance, such as Regulatory
Hierarki Peraturan, Kebijakan Kepatuhan, SOP Kepatuhan, Hierarchy Policy, Compliance Policy, Compliance SOP, Access
SOP Access Control and Security (ACS), Komite Pengadaan Control and Security (ACS) SOP, the Procurement Committee of
PT Bank Victoria International Tbk, dan lain sebagainya. PT Bank Victoria International Tbk, and so on.
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Sertifikasi Manajemen Risiko Direksi Board of Directors’ Risk Management
Certification
Berdasarkan Peraturan Otoritas Jasa Keuangan No. 24 Tahun 2022 Based on Bank Indonesia Regulation No. 24 of 2022 concerning
tentang Pengembangan Kualitas Sumber Daya Manusia Bank Development of the Quality of Human Resources for Commercial
Umum, salah satu syarat umum dan standardisasi kompetensi Banks, one of the general requirements and standardization of
serta keahlian manajemen Bank adalah dengan dimilikinya competence and expertise of Bank management is to have risk
sertifikasi manajemen risiko. Terkait hal tersebut, Direksi Bank management certification. As such, Bank Victoria’s Board of
Victoria telah mengikuti sertifikasi manajemen risiko yang dapat Directors has attended the risk management certification which
dilihat pada masing-masing profil anggota Direksi pada bab Profil can be seen in profile of each Board of Directors’ member in the
Perusahaan. Company Profile chapter.
Rangkap Jabatan Dewan Komisaris dan Direksi
Concurrent Positions of the Board of Commissioners and
Board of Directors
Sesuai Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023 Pursuant to Financial Services Authority Regulation No. 17 of 2023
tentang Penerapan Tata Kelola bagi Bank Umum, Dewan on Implementation of Governance for Commercial Banks, the Board
Komisaris dan Direksi Bank dilarang merangkap jabatan yang of Commissioners and Board of Directors of Banks are prohibited
diuraikan sebagai berikut: from holding concurrent position as described as follows:
1. Dewan Komisaris merangkap jabatan sebagai anggota 1. The Board of Commissioners holds concurrent position as
Dewan Komisaris, anggota Direksi, anggota Dewan Pengawas members of Board of Commissioners, members of Board of
Syariah, atau Pejabat Eksekutif pada lembaga keuangan atau Directors, members of Sharia Supervisory Board, or Executive
perusahaan keuangan baik bank maupun bukan bank; Officers in financial institutions or financial companies,
either banks and non-banks;
2. Dewan Komisaris dilarang merangkap jabatan sebagai 2. The Board of Commissioners is prohibited from holding
anggota Dewan Komisaris, anggota Direksi, anggota Dewan concurrent position as members of Board of Commissioners,
Pengawas Syariah, atau Pejabat Eksekutif pada lebih dari 1 members of Board of Directors, members of Sharia
(satu) lembaga atau perusahaan bukan keuangan, baik yang Supervisory Board, or Executive Officers in more than 1 (one)
berkedudukan di dalam maupun di luar negeri; non-financial institution or company, either domiciled within
or outside the country;
3. Direksi merangkap jabatan sebagai anggota Dewan Komisaris, 3. The Board of Directors holds concurrent position as members
anggota Direksi, anggota Dewan Pengawas Syariah, atau of Board of Commissioners, members of Board of Directors,
Pejabat Eksekutif pada bank, perusahaan, dan/atau lembaga members of Sharia Supervisory Board, or Executive Officers
lain; at other banks, companies, and/or other institutions;
4. Dewan Komisaris dan Direksi merangkap jabatan pada bidang 4. The Board of Commissioners and Board of Directors hold
tugas fungsional pada lembaga keuangan bank dan/atau concurrent position in the field of functional duties at bank
lembaga keuangan bukan bank yang berkedudukan di dalam financial institutions and/or non-bank financial institutions
maupun di luar negeri; domiciled within or outside the country;
5. Dewan Komisaris dan Direksi merangkap jabatan pada 5. The Board of Commissioners and Board of Directors hold
jabatan lain yang dapat menimbulkan benturan kepentingan concurrent position in other positions that can cause
dalam pelaksanaan tugas sebagai anggota Dewan Komisaris conflicts of interest in performing their duties as members of
atau Direksi; Board of Commissioners or Board of Directors;
6. Dewan Komisaris dan Direksi merangkap jabatan pada 6. The Board of Commissioners and Board of Directors hold
jabatan lain sesuai dengan ketentuan peraturan perundang- concurrent position in other positions in accordance with the
undangan; dan provisions of the laws and regulations; and
7. Komisaris Independen dilarang merangkap jabatan sebagai 7. Independent Commissioners are prohibited from holding
pejabat publik. concurrent position as public officials.
Informasi rangkap jabatan yang dimiliki anggota Dewan Komisaris Information on concurrent positions held by members of Board of
dan Direksi Bank dapat dilihat pada bagian Profil Dewan Komisaris Commissioners and Board of Directors at the Bank can be seen in the
dan Direksi. Profile section of the Board of Commissioners and Board of Directors.
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Tata Kelola Perusahaan
Good Corporate Governance
Penilaian Kinerja Dewan Komisaris, Direksi, Komite
Pendukung Dewan Komisaris, serta Komite dan
Organ Pendukung Direksi
Performance Assessment of the Board of Commissioners,
Board of Directors, Board of Commissioners’ Supporting
Committees, and Board of Directors’ Committees and
Supporting Organs
Penilaian Kinerja Dewan Komisaris Board of Commissioners’ Performance
Asssessment
Prosedur Pelaksanaan Penilaian Kinerja Dewan Procedures for the Board of Commissioners’
Komisaris Performance Assessment
Penilaian terhadap kinerja Dewan Komisaris dilakukan secara The Board of Commissioners’ performance is assessed regularly
rutin setiap tahun dibantu oleh Komite Nominasi dan Remunerasi every year, assisted by the Nomination and Remuneration Committee
melalui sistem penilaian sendiri dan peer evaluation. Pelaksanaan through self-assessment system and peer evaluation. The Board of
penilaian sendiri Dewan Komisaris mengacu pada Peraturan Commissioners’ self-assessment refers to the Financial Services
Otoritas Jasa Keuangan tentang Penerapan Tata Kelola bagi Authority regulation on Implementation of Governance for
Bank Umum. Sedangkan, penilaian peer evaluation dilakukan Commercial Banks. Whereas, peer evaluation is conducted by each
oleh setiap anggota Dewan Komisaris terhadap anggota Dewan member of the Board of Commissioners against other members of
Komisaris lainnya berdasarkan bidang pengawasan dan pekerjaan the Board of Commissioners based on the respective supervision
masing-masing Dewan Komisaris. Selanjutnya, hasil penilaian areas and work of the Board of Commissioners. The Board of
Dewan Komisaris disampaikan melalui Komite Nominasi dan Commissioners’ assessment results are then submitted through the
Remunerasi kepada Pemegang Saham sebelum pelaksanaan Nomination and Remuneration Committee to Shareholders prior to
RUPS Tahunan. the implementation of the Annual GMS.
Pihak yang Melakukan Penilaian Kinerja Dewan Komisaris
Party Assessing the Board of Commissioners’ Performance
Penilaian Sendiri
Self-Assessment
Penilaian sendiri Dewan Komisaris dikoordinir oleh Divisi Compliance & System Procedure dan dilaporkan kepada Dewan
Komisaris melalui Komite Nominasi dan Remunerasi.
The Board of Commissioners’ self-assessment is coordinated by the Compliance & System Procedure Division and reported to
the Board of Commissioners through the Nomination and Remuneration Committee.
Peer Evaluation
Pelaksanaan penilaian peer evaluation dilakukan oleh setiap anggota Dewan Komisaris terhadap anggota Dewan Komisaris
lainnya.
The peer evaluation assessment is conducted by each member of the Board of Commissioners against other members of the
Board of Commissioners.
Kriteria Penilaian Kinerja Dewan Komisaris Criteria for Assessing the Board of
Commissioners’ Performance
Kriteria penilaian terhadap kinerja Dewan Komisaris ditetapkan The criteria for assessing the Board of Commissioners’
untuk menilai kinerja Dewan Komisaris baik secara kolegial performance are established to assess the Board of
maupun secara individu. Adapun kriteria penilaian mencakup Commissioners’ performance collegially and individually. The
hal-hal berikut: assessment criteria include the following matters:
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Penilaian Sendiri
Self-Assessment
Kriteria terkait penilaian sendiri Dewan Komisaris mencakup 16 (enam Criteria related to the Board of Commissioners’ self-assessment include
belas) indikator governance structure, 17 (tujuh belas) indikator governance 16 (sixteen) governance structure indicators, 17 (seventeen) governance process
process, dan 6 (enam) indikator governance outcome sebagaimana indicators, and 6 (six) governance outcome indicators as stipulated in Attachment
diatur dalam Lampiran III Surat Edaran Otoritas Jasa Keuangan III to the Financial Services Authority Circular No. 13/SEOJK.03/2017 on
No. 13/SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Bank Umum. Implementation of Governance for Commercial Banks.
Peer Evaluation
1. Kehadiran dalam rapat internal Dewan Komisaris, rapat gabungan Dewan 1. Attendance at internal meetings of the Board of Commissioners, joint
Komisaris bersama Direksi, rapat Dewan Komisaris dengan Pemegang meetings of the Board of Commissioners and the Board of Directors,
Saham, dan rapat Dewan Komisaris atau Komite dengan Unit Kerja Bank; meetings between the Board of Commissioners and Shareholders, and
meetings between the Board of Commissioners or Committee with the
Bank’s Work Units;
2. Integritas (misalnya benturan kepentingan yang muncul); 2. Integrity (for example conflicts of interest that arise);
3. Pengetahuan dan pemahaman atas nilai-nilai misi, rencana jangka 3. Knowledge and understanding of the values of the mission, the Bank’s
panjang Bank, dan refleksi pemahaman ini kepada isu-isu penting long-term plan, and the reflection of this understanding on important
sepanjang tahun; issues throughout the year;
4. Kemampuan untuk menyampaikan, memberikan argumentasi, dan 4. Ability to convey, provide arguments and solutions regarding the Bank’s
memberikan solusi mengenai isu-isu strategis Bank; strategic issues;
5. Kemampuan dalam mengikuti isu-isu dan tren yang berpengaruh 5. Ability to follow issues and trends that affect the Bank and use this
terhadap Bank dan menggunakan informasi tersebut untuk menilai dan information to assess and direct the Bank’s performance, not only from
mengarahkan kinerja Bank, bukan hanya dari tahun ke tahun, akan tetapi year to year, but also in the long-term; and
juga dalam jangka panjang; serta
6. Hubungan anggota Dewan Komisaris dengan sesama anggota Dewan 6. The relationship between member of the Board of Commissioners
Komisaris lainnya, dengan Direksi, dan pihak-pihak lain yang diatur and fellow members of the Board of Commissioners, and the Board of
dalam Anggaran Dasar dan peraturan perundang-undangan. Directors and other parties as regulated in the Articles of Association
and laws and regulations.
Hasil Penilaian Kinerja Dewan Komisaris The Board of Commissioners’ Performance
Assessment Results
Hasil evaluasi terhadap kinerja Dewan Komisaris secara The Board of Commissioners’ performance assessment
keseluruhan dan kinerja masing-masing anggota Dewan results collegially and individually are an integral part of the
Komisaris secara individu merupakan bagian tak terpisahkan compensation/incentive scheme for the Board of Commissioners
dalam skema kompensasi/pemberian insentif bagi Dewan and the basis for consideration for Shareholders to dismiss and/or
Komisaris dan dasar pertimbangan bagi Pemegang Saham untuk reappoint the relevant member of the Board of Commissioners.
memberhentikan dan/atau menunjuk kembali Dewan Komisaris Information on the Board of Commissioners’ performance
yang bersangkutan. Informasi terkait hasil penilaian kinerja assessment results for 2023 is described as follows:
Dewan Komisaris pada tahun 2023 diuraikan sebagai berikut:
Penilaian Sendiri
Self-Assessment
Pada tahun 2023, hasil penilaian sendiri Dewan Komisaris memperoleh nilai komposit “1 (satu)” dengan kategori “Sangat
Baik”.
In 2023, the Board of Commissioners’ self-assessment results obtained a composite score of “1 (one)” under the category of
“Very Good”.
Peer Evaluation
Pada tahun 2023, hasil penilaian peer evaluation pelaksanaan tugas Dewan Komisaris memperoleh nilai komposit “1 (satu)”
dengan kategori “Sangat Baik”.
In 2023, the peer evaluation results of the implementation of Board of Commissioners’ duties obtained a composite score of
“1 (one)” under the category of “Very Good”.
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Tata Kelola Perusahaan
Good Corporate Governance
Penilaian Kinerja Direksi Board of Directors’ Performance Asssessment
Prosedur Pelaksanaan Penilaian Kinerja Direksi Procedures for the Board of Directors’
Performance Assessment
Sebagai bentuk pengukuran atas pencapaian target kinerja yang As a form of measuring the achievement of performance targets
telah dilaksanakan oleh Direksi, maka perlu dilakukan penilaian carried out by the Board of Directors, it is necessary to assess the
terhadap Direksi secara kolektif maupun masing-masing anggota Board of Directors collectively and individually at least 1 (one) time
Direksi paling sedikit 1 (satu) kali dalam 1 (satu) tahun. Penilaian in 1 (one) year. The Board of Directors is assessed through 2 (two)
Direksi dilakukan melalui 2 (dua) metode, yaitu penilaian sendiri methods, which are self-assessment and assessment by the Board
dan penilaian oleh Dewan Komisaris. Penilaian sendiri dilakukan of Commissioners. The self-assessment is carried out in reference to
mengacu pada Peraturan Otoritas Jasa Keuangan tentang the Financial Services Authority Regulation on the Implementation
Penerapan Tata Kelola bagi Bank Umum, di mana Bank wajib of Governance for Commercial Banks, in which the Bank is required
melaksanakan penilaian sendiri implementasi GCG dengan salah to conduct a self-assessment of GCG implementation with one of
satu faktor penilaian adalah pelaksanaan tugas dan tanggung the assessment factors being the implementation of the Board
jawab Direksi. Sedangkan, penilaian kinerja Direksi oleh Dewan of Directors’ duties and responsibilities. Whereas, the Board of
Komisaris sebagai berikut: Directors’ performance assessment conducted by the Board of
Commissioners is as follows:
1. Direksi menyusun Key Performace Indicator (KPI) yang 1. The Board of Directors prepares Key Performance Indicator
memuat rencana kerja, sasaran atau target yang akan dicapai (KPI) that includes work plan, objectives, or goals to be
dalam 1 (satu) tahun maupun triwulan; achieved within 1 (one) year and quarterly;
2. Penilaian kinerja Direksi dilaksanakan oleh Dewan Komisaris, 2. The Board of Directors’ performance is assessed by the Board
namun Direktur Utama dapat menilai Direksi lainnya; of Commissioners, but the President Director can assess
other Directors;
3. Direksi melaporkan realisasi pencapaian target masing- 3. The Board of Directors reports the realization of target
masing KPI dalam laporan triwulan dan Laporan Tahunan achievement for each KPI in the quarterly report and Annual
kepada Dewan Komisaris, baik secara individu maupun Report to the Board of Commissioners, whether individually
kolektif untuk dievaluasi; serta or collectively, to be evaluated; and
4. Hasil evaluasi KPI Direksi oleh Dewan Komisaris menjadi 4. The evaluation result of Board of Directors’ KPI by the Board
bahan penilaian pertanggungjawaban Direksi dalam of Commissioners becomes means in assessing the Board of
pelaksanaan RUPS. Directors’ accountability in the GMS.
Pihak yang Melakukan Penilaian Kinerja Direksi
Party Assessing the Board of Directors’ Performance
Penilaian Sendiri
Self-Assessment
Penilaian sendiri Direksi dikoordinir oleh Divisi Compliance & System Procedure dan dilaporkan kepada Dewan Komisaris dan Direksi.
The Board of Directors’ self-assessment is coordinated by the Compliance & System Procedure Division and reported to the Board
of Commissioners and Board of Directors.
Penilaian oleh Dewan Komisaris
Assessment by the Board of Commissioners
Penilaian dilakukan oleh Dewan Komisaris.
The assessment is conducted by the Board of Commissioners.
Kriteria Penilaian Kinerja Direksi Criteria for Assessing the Board of Directors’
Performance
Kriteria penilaian terhadap kinerja Direksi ditetapkan untuk The criteria for assessing the Board of Directors’ performance
menilai kinerja Direksi baik secara kolegial maupun secara are established to assess the Board of Directors’ performance
individu. Adapun kriteria penilaian mencakup hal-hal berikut: collegially and individually. The assessment criteria include the
following matters:
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Penilaian Sendiri
Self-Assessment
Kriteria terkait penilaian sendiri Direksi mencakup 16 (enam belas) indikator Criteria related to the Board of Directors’ self-assessment include 16 (sixteen)
governance structure, 14 (empat belas) indikator governance process, dan governance structure indicators, 14 (fourteen) governance process indicators,
10 (sepuluh) indikator governance outcome sebagaimana diatur dalam and 10 (ten) governance outcome indicators as stipulated in Attachment
Lampiran III Surat Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 III to the Financial Services Authority Circular No. 13/SEOJK.03/2017 on
tentang Penerapan Tata Kelola bagi Bank Umum. Implementation of Governance for Commercial Banks.
Penilaian oleh Dewan Komisaris
Assessment by the Board of Commissioners
1. Terlaksananya kepemimpinan (leadership), kerja sama (team work), 1. The implementation of good leadership, teamwork, communication and
serta komunikasi dan kompetensi yang baik; competency;
2. Terlaksananya GCG dalam setiap kegiatan usaha Bank; 2. The implementation of GCG in each of the Bank’s business activities;
3. Terlaksananya pencapaian Rencana Bisnis Bank; dan 3. The achievement of the Bank’s Business Plan; and
4. Terlaksananya pengawasan atas tindak lanjut dari Direksi berdasarkan 4. The implementation of monitoring and follow-up from the Board of
audit, rekomendasi SKAI, auditor eksternal, atau pengawasan Otoritas Directors based on audit, recommendation of SKAI, external auditor, or
Jasa Keuangan. the Financial Services Authority’s supervision.
Hasil Penilaian Kinerja Direksi The Board of Directors’ Performance Assessment
Results
Hasil evaluasi terhadap kinerja Direksi merupakan bagian tak The Board of Directors’ performance assessment results are an
terpisahkan dalam skema kompensasi/pemberian insentif bagi integral part of the compensation/incentive scheme for the Board
Direksi dan dasar pertimbangan bagi Pemegang Saham untuk of Directors and the basis for consideration for Shareholders to
memberhentikan dan/atau menunjuk kembali Direksi yang dismiss and/or reappoint the relevant member of the Board of
bersangkutan. Informasi terkait hasil penilaian kinerja Direksi Directors. Information on the Board of Directors’ performance
pada tahun 2023 diuraikan sebagai berikut: assessment results for 2023 is described as follows:
Penilaian Sendiri
Self-Assessment
Pada tahun 2023, hasil penilaian sendiri Direksi memperoleh nilai komposit “2 (dua)” dengan kategori “Baik”.
In 2023, the Board of Directors’ self-assessment results obtained a composite score of “2 (two)” under the category of “Good”.
Penilaian oleh Dewan Komisaris
Assessment by the Board of Commissioners
Pada tahun 2023, hasil penilaian kinerja Direksi oleh Dewan Komisaris memperoleh nilai komposit “2 (dua)” dengan kategori “Baik”.
In 2023, the Board of Directors’ performance assessment results by the Board of Commissioners obtained a composite score
of “2 (two)” under the category of “Good”.
Penilaian Kinerja Komite Pendukung Dewan Performance Assessment of the Board of
Komisaris Commissioners’ Supporting Committees
Prosedur Pelaksanaan Penilaian Kinerja Komite Procedures for Performance Assessment of the
Pendukung Dewan Komisaris Board of Commissioners’ Supporting Committees
Dewan Komisaris senantiasa melakukan pengawasan dan evaluasi The Board of Commissioners conducts regular monitoring and
secara berkala atas kinerja Komite-Komite di bawah Dewan evaluation of the performance of Committees under the Board
Komisaris yang meliputi Komite Audit, Komite Pemantau Risiko, of Commissioners, which include the Audit Committee, Risk
serta Komite Nominasi dan Remunerasi. Penilaian tersebut Monitoring Committee, and Nomination and Remuneration
dilakukan secara individual maupun secara kolektif setiap 1 Committee. The assessment is carried out individually or
(satu) tahun dengan menggunakan metode penilaian sendiri collectively every 1 (one) year by using the self-assessment
komite pendukung Dewan Komisaris dan penilaian kinerja oleh method for the Board of Commissioners’ supporting committees
Dewan Komisaris. and performance assessment by the Board of Commissioners.
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Tata Kelola Perusahaan
Good Corporate Governance
Pihak yang Melakukan Penilaian Kinerja Komite Pendukung Dewan Komisaris
Party Assessing the Performance of the Board of Commissioners’ Supporting Committees
Penilaian Sendiri
Self-Assessment
Penilaian dikoordinir oleh Divisi Compliance & System Procedure dan dilaporkan kepada Dewan Komisaris.
The assessment is coordinated by the Compliance & System Procedure Division and reported to the Board of Commissioners.
Penilaian oleh Dewan Komisaris
Assessment by the Board of Commissioners
Penilaian dilakukan oleh Dewan Komisaris.
The assessment is conducted by the Board of Commissioners.
Kriteria Penilaian Kinerja Komite Pendukung Dewan Komisaris
Criteria for Assessing the Performance of the Board of Commissioners’ Supporting Committees
Penilaian Sendiri
Self-Assessment
Penilaian sendiri Komite di bawah Dewan Komisaris dalam implementasi The self-assessment of Committees under the Board of Commissioners in
GCG mencakup 10 (sepuluh) indikator governance structure, 7 (tujuh) GCG implementation includes 10 (ten) governance structure indicators,
indikator governance process, dan 2 (dua) indikator governance outcome 7 (seven) governance process indicators, and 2 (two) governance outcome
sebagaimana diatur dalam Lampiran III Surat Edaran Otoritas Jasa indicators as stipulated in Appendix III of the Financial Services Authority
Keuangan No. 13/SEOJK.03/2017 tentang Penerapan Tata Kelola Bagi Circular No. 13/SEOJK.03/2017 on Implementation of Governance for
Bank Umum. Commercial Banks.
Penilaian oleh Dewan Komisaris
Assessment by the Board of Commissioners
Kriteria penilaian dibuat secara umum dan diuraikan dengan penjelasan Assessment criteria are made in general and are described with qualitative
secara kualitatif (penilaian tidak dalam angka/skala) yang mecangkup: explanation (ratings are not in numbers/scales) which include:
1. Kehadiran dalam rapat Komite; 1. Attendance at Committee’s meetings;
2. Penguasaan materi yang akan dibahas; 2. Mastery of the material to be discussed;
3. Kesediaan menyediakan waktu dan upaya dalam memenuhi tugas dan 3. Willingness to provide time and efforts in fulfilling duties and
tanggung jawab sebagai anggota Komite; responsibilities as a Committee member;
4. Kesediaan berpartisipasi dalam kegiatan di luar kantor, seperti kunjungan 4. Willingness to participate in activities outside the office, such as visits to
ke unit bisnis; business units;
5. Kualitas dan saran yang diberikan dalam rapat-rapat; 5. Quality and advice given in meetings;
6. Terlaksananya pemantauan dan evaluasi, baik secara berkala maupun 6. Implementation of monitoring and evaluation, both periodically
tahunan, atas hal-hal yang menjadi bidang tugas dan tanggung jawab and annually, on matters that are the respective areas of duties and
masing-masing komite; responsibilities of each committee;
7. Pemantauan dan koreksi penyimpangan; serta 7. Monitoring and correction of deviation; and
8. Terlaksananya pemantauan dan evaluasi terhadap divisi/unit yang 8. Implementation of monitoring and evaluation of divisions/units related
terkait dengan bidang tugas dan tanggung jawab masing-masing komite. to the respective areas of duties and responsibilities of each committee.
Hasil Penilaian Kinerja Komite Pendukung Dewan Komisaris
Performance Assessment Results of the Board of Commissioners’ Supporting Committees
Penilaian Sendiri
Self-Assessment
Pada tahun 2023, hasil penilaian sendiri pelaksanaan tugas dan tanggung In 2023, the self-assessment results of the implementation of duties and
jawab Komite pendukung Dewan Komisaris berada pada kategori “Baik”. responsibilities of the Board of Commissioners’ supporting committees
were under the category of “Good”.
Penilaian oleh Dewan Komisaris
Assessment by the Board of Commissioners
Komite Audit: Audit Committee:
Dewan Komisaris menilai Komite Audit telah berhasil menjalankan The Board of Commissioners evaluated that the Audit Committee managed
tugasnya secara efektif selama tahun 2023. Komite Audit telah memantau, to perform its duties effectively in 2023. The Audit Committee monitored,
mengevaluasi perencanaan dan pelaksanaan audit, serta melakukan evaluated the planning and implementation of audits, and monitored the
pemantauan terhadap tindak lanjut yang dilakukan oleh Direksi terkait follow-up actions taken by the Board of Directors on the fulfillment of
pemenuhan komitmen hasil temuan dari pemeriksaan internal dan eksternal. commitments resulting from internal and external audit findings.
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Komite Pemantau Risiko: Risk Monitoring Committee:
Dewan Komisaris menyimpulkan bahwa kinerja Komite Pemantau Risiko The Board of Commissioners concluded that the Risk Monitoring
pada tahun 2023 dinilai efektif. Komite Pemantau Risiko telah membantu Committee’s performance in 2023 was considered effective. The Risk
Dewan Komisaris dalam mengevaluasi dan mengkaji aspek-aspek yang Monitoring Committee assisted the Board of Commissioners in evaluating
terkait dengan risiko, sekaligus memberikan arahan dan saran untuk and reviewing aspects related to risk, and provided direction and advice in
pengembangan manajemen risiko di Bank. developing risk management at the Bank.
Komite Nominasi dan Remunerasi: Nomination and Remuneration Committee:
Dewan Komisaris menilai bahwa Komite Nominasi dan Remunerasi berhasil The Board of Commissioners evaluated that the Nomination and
menjalankan tugas dan tanggung jawabnya secara efektif pada tahun 2023. Remuneration Committee managed to perform its duties and responsibilities
Komite Nominasi dan Remunerasi telah memberikan kontribusi positif effectively in 2023. The Nomination and Remuneration Committee made a
dengan memberikan usulan terkait sistem dan kebijakan remunerasi yang positive contribution by providing recommendations regarding appropriate
sesuai untuk Dewan Komisaris dan Direksi. Selain itu, Komite Nominasi dan remuneration system and policy for the Board of Commissioners and Board
Remunerasi juga memberikan rekomendasi terkait calon anggota Dewan of Directors. In addition, the Nomination and Remuneration Committee
Komisaris, Direksi, dan pihak independen yang dapat menjadi anggota also provided recommendations regarding candidates for the Board of
Komite kepada Dewan Komisaris. Commissioners, Board of Directors, and independent party who may
become a Committee member to the Board of Commissioners.
Penilaian Kinerja Komite dan Organ Performance Assessment of the Board of
Pendukung Direksi Directors’ Supporting Committees and Organs
Prosedur dan Pihak yang Melakukan Penilaian Procedures and Party Assessing the Performance
Kinerja Komite dan Organ Pendukung Direksi of the Board of Directors’ Supporting
Committees and Organs
Penilaian kinerja Komite di bawah Direksi dievaluasi secara Performance of the Committees under the Board of Directors
individual maupun secara kolektif setiap 1 (satu) tahun dengan is evaluated both individually and collectively once every year
menggunakan metode evaluasi dalam suatu sistem yang by using evaluation method in a system established under the
ditetapkan dalam keputusan Direksi. Penilaian kinerja tersebut Board of Directors’ decision. Such performance assessment is
dilakukan oleh Direksi. conducted by the Board of Directors.
Kriteria dan Hasil Penilaian Kinerja Komite dan Organ Pendukung Direksi
Performance Assessment Criteria and Results of the Board of Directors’ Supporting Committees and Organs
Kriteria Penilaian Komite dan Organ Pendukung Direksi
Assessment Criteria of the Board of Directors’ Supporting Committees and Organs
1. Kehadiran dalam rapat Komite; 1. Attendance at Committee’s meetings;
2. Penguasaan materi yang akan dibahas; 2. Mastery of the material to be discussed;
3. Kesediaan menyediakan waktu dan upaya dalam memenuhi tugas dan 3. Willingness to allocate time and efforts in fulfilling duties and
tanggung jawab sebagai anggota Komite; responsibilities as Committee member;
4. Kesediaan berpartisipasi dalam kegiatan di luar kantor, seperti kunjungan 4. Willingness to participate in activities outside the office, such as visits to
ke unit bisnis; business units;
5. Kualitas dan saran yang diberikan dalam rapat-rapat; 5. Quality and advice given in the meetings;
6. Terlaksananya pemantauan dan evaluasi, baik secara berkala maupun 6. Implementation of monitoring and evaluation, whether periodically
tahunan, atas hal-hal yang menjadi bidang tugas dan tanggung jawab or annually, on matters that are the respective areas of duties and
masing-masing Komite; responsibilities of each Committee;
7. Pemantauan dan koreksi penyimpangan; serta 7. Monitoring and correction of deviations; and
8. Terlaksananya pemantauan dan evaluasi terhadap divisi/unit yang terkait 8. Implementation of monitoring and evaluation of divisions/units related
dengan bidang tugas dan tanggung jawab masing-masing Komite. to the respective areas of duties and responsibilities of each Committee.
Hasil Penilaian Kinerja Komite dan Organ Pendukung Direksi
Performance Assessment Results of the Board of Directors’ Supporting Committees and Organs
Direksi menilai bahwa selama tahun 2023, komite dan organ pendukung The Board of Directors considered that throughout 2023, the Board of
Direksi telah berhasil melaksanakan tugas dan tanggung jawabnya secara Directors’ supporting committees and organs managed to perform their
optimal. Penilaian ini didasarkan pada laporan berkala, masukan, dan duties and responsibilities optimally. This assessment is based on periodic
rekomendasi yang sesuai dengan lingkup tugas Direksi, serta penerapan reports, input and recommendations that are in accordance with the
tugas dan tanggung jawab masing-masing yang sejalan dengan strategi dan scope of the Board of Directors’ duties, and the implementation of their
Rencana Bisnis Bank pada tahun 2023. respective duties and responsibilities in line with the Bank’s strategy and
Business Plan for 2023.
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Tata Kelola Perusahaan
Good Corporate Governance
Pelatihan dan/atau Peningkatan Kompetensi
Dewan Komisaris dan Direksi
Training and/or Competency Development for the
Board of Commissioners and Board of Directors
Kebijakan Pelatihan dan/atau Peningkatan Policy on Training and/or Competency
Kompetensi Dewan Komisaris dan Direksi Development for the Board of Commissioners
and Board of Directors
Kebijakan di seluruh level organisasi Bank, setiap karyawan The policy at all levels of the Bank’s organization is that every
memiliki kesempatan yang setara dalam dalam mendapatkan employee has equal opportunities to receive education and training.
pendidikan dan pelatihan. Selain itu, program pelatihan dan/atau In addition, training and/or competency development programs of
peningkatan kompetensi Dewan Komisaris dan Direksi diperlukan the Board of Commissioners and Board of Directors are needed so
agar anggota Dewan Komisaris dan Direksi dapat senantiasa that members of the Board of Commissioners and Board of Directors
memperbarui informasi terkait perkembangan industri perbankan can always update information related to the latest developments in
terkini dan peraturan perundang-undangan yang berlaku sebagai banking industry and the applicable laws and regulations as a form
bentuk antisipasi atas masalah yang timbul di kemudian hari of anticipation of problems arising in the future that may affect the
bagi keberlangsungan dan kemajuan Bank. Selama tahun 2023, Bank’s sustainability and progress. Throughout 2023, the Board of
Dewan Komisaris dan Direksi Bank telah mengikuti pelatihan Commissioners and Board of Directors of the Bank attended training
dan/atau peningkatan kompetensi sebagai berikut: and/or competency developments as follows:
Nama dan
Jabatan Materi Pelatihan dan Penyelenggara
Name and Training Materials and Organizers
Position
DEWAN KOMISARIS / BOARD OF COMMISSIONERS
Zaenal Abidin, Ph.D 1. Outlook Banking Regulation: Tantangan Industri Perbankan, 1. Outlook Banking Regulation: Challenges in Banking Industry,
Komisaris Utama Arah Regulasi, dan Future Banking (oleh Lembaga Regulatory Direction, and Future Banking (by Indonesian
Independen Pengembangan Perbankan Indonesia); Banking Development Institution);
Independent 2. Expert Sharing Session - Keuangan Berkelanjutan (oleh 2. Expert Sharing Session - Sustainable Finance (by Otoritas
President Otoritas Jasa Keuangan Institute); Jasa Keuangan Institute);
Commissioner 3. Governance, Risk, and Compliance (oleh Bank Victoria); 3. Governance, Risk, and Compliance (by Bank Victoria);
4. Membentuk Pribadi yang Amanah dan Terpercaya (oleh Bank 4. Shaping a Trustworthy Individual (by Bank Victoria);
Victoria);
5. Philosophy that Flows in My Soul (oleh Bank Victoria); dan 5. Philosophy that Flows in My Soul (by Bank Victoria); and
6. Refreshment Sertifikasi Manajemen Risiko (oleh PT Efektifpro 6. Risk Management Certification Refreshment (by PT Efektifpro
Knowledge Source). Knowledge Source).
Gunawan 1. Outlook Banking Regulation: Tantangan Industri Perbankan, 1. Outlook Banking Regulation: Challenges in Banking Industry,
Tenggarahardja Arah Regulasi, dan Future Banking (oleh Lembaga Regulatory Direction, and Future Banking (by Indonesian
Komisaris/ Pengembangan Perbankan Indonesia); Banking Development Institution);
Komisaris 2. Expert Sharing Session - Keuangan Berkelanjutan (oleh 2. Expert Sharing Session - Sustainable Finance (by Otoritas
Independen Otoritas Jasa Keuangan Institute); Jasa Keuangan Institute);
Commissioner/ 3. Governance, Risk, and Compliance (oleh Bank Victoria); 3. Governance, Risk, and Compliance (by Bank Victoria);
Independent 4. Managing Environmental, Social and Governance Risks and 4. Managing Environmental, Social and Governance Risks and
Commissioner Opportunities (oleh Otoritas Jasa Keuangan Institute); Opportunities (by Otoritas Jasa Keuangan Institute);
5. Membentuk Pribadi yang Amanah dan Terpercaya (oleh Bank 5. Shaping a Trustworthy Individual (by Bank Victoria);
Victoria);
6. Peluang Metaverse di Industri Jasa Keuangan (oleh Otoritas 6. Metaverse Opportunity in Financial Services Industry (by
Jasa Keuangan Institute); Otoritas Jasa Keuangan Institute);
7. Philosophy that Flows in My Soul (oleh Bank Victoria); dan 7. Philosophy that Flows in My Soul (by Bank Victoria); and
8. Refreshment Sertifikasi Manajemen Risiko (oleh PT Efektifpro 8. Risk Management Certification Refreshment (by PT Efektifpro
Knowledge Source). Knowledge Source).
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Nama dan
Jabatan Materi Pelatihan dan Penyelenggara
Name and Training Materials and Organizers
Position
Sia Leng Ho 1. Outlook Banking Regulation: Tantangan Industri Perbankan, 1. Outlook Banking Regulation: Challenges in Banking Industry,
Komisaris Arah Regulasi, dan Future Banking (oleh Lembaga Regulatory Direction, and Future Banking (by Indonesian
Commissioner Pengembangan Perbankan Indonesia); Banking Development Institution);
2. Expert Sharing Session - Keuangan Berkelanjutan (oleh 2. Expert Sharing Session - Sustainable Finance (by Otoritas
Otoritas Jasa Keuangan Institute); Jasa Keuangan Institute);
3. Governance, Risk, and Compliance (oleh Bank Victoria); 3. Governance, Risk, and Compliance (by Bank Victoria);
4. Managing Environmental, Social and Governance Risks and 4. Managing Environmental, Social and Governance Risks and
Opportunities (oleh Otoritas Jasa Keuangan Institute); Opportunities (by Otoritas Jasa Keuangan Institute);
5. Membentuk Pribadi yang Amanah dan Terpercaya (oleh Bank 5. Shaping a Trustworthy Individual (by Bank Victoria);
Victoria);
6. Peluang Metaverse di Industri Jasa Keuangan (oleh Otoritas 6. Metaverse Opportunity in Financial Services Industry (by
Jasa Keuangan Institute); Otoritas Jasa Keuangan Institute);
7. Philosophy that Flows in My Soul (oleh Bank Victoria); 7. Philosophy that Flows in My Soul (by Bank Victoria);
8. Refreshment Credit SME Segmentation (oleh Bank Victoria); 8. Refreshment Credit SME Segmentation (by Bank Victoria);
dan and
9. Refreshment Sertifikasi Manajemen Risiko (oleh 9. Risk Management Certification Refreshment (by PT
PT Efektifpro Knowledge Source). Efektifpro Knowledge Source).
DIREKSI / BOARD OF DIRECTORS
Achmad 1. Expert Sharing Session - Keuangan Berkelanjutan (oleh 1. Expert Sharing Session - Sustainable Finance (by Otoritas
Friscantono Otoritas Jasa Keuangan Institute); Jasa Keuangan Institute);
Direktur Utama 2. Governance, Risk, and Compliance (oleh Bank Victoria); 2. Governance, Risk, and Compliance (by Bank Victoria);
President Director 3. Membentuk Pribadi yang Amanah dan Terpercaya (oleh Bank 3. Shaping a Trustworthy Individual (by Bank Victoria);
Victoria);
4. Mini Town Hall (oleh Bank Victoria); 4. Mini Town Hall (by Bank Victoria);
5. Outbond: Working Together in Harmony (oleh Bank Victoria); 5. Outbond: Working Together in Harmony (by Bank Victoria);
6. Outlook Banking Regulation: Tantangan Industri Perbankan, 6. Outlook Banking Regulation: Challenges in Banking Industry,
Arah Regulasi, dan Future Banking (oleh Lembaga Regulatory Direction, and Future Banking (by Indonesian
Pengembangan Perbankan Indonesia); Banking Development Institution);
7. Philosophy that Flows in My Soul (oleh Bank Victoria); 7. Philosophy that Flows in My Soul (by Bank Victoria);
8. Refreshment Credit SME Segmentation (oleh Bank Victoria); 8. Refreshment Credit SME Segmentation (by Bank Victoria);
9. Refreshment Sertifikasi Manajemen Risiko (oleh PT Efektifpro 9. Risk Management Certification Refreshment (by PT
Knowledge Source); dan Efektifpro Knowledge Source); and
10. Refreshment Sertifikasi Treasury (oleh Association Cambiste 10. Treasury Certification Refreshment (by Association Cambiste
Internationale Financial Market Association Indonesia). Internationale Financial Market Association Indonesia).
Rusli 1. Aspek Hukum dan Dokumen Pembukaan Rekening 1. Legal Aspect and Documents for Opening a Corporate
Wakil Direktur Perusahaan (oleh Bank Victoria); Account (by Bank Victoria);
Utama 2. DEG South East Asia Client Forum 2023 “Shaping 2. DEG South East Asia Client Forum 2023 “Shaping
Deputy President Transformation” (oleh DEG South East Asia Client Forum); Transformation” (by DEG South East Asia Client Forum);
Director 3. Expert Sharing Session - Keuangan Berkelanjutan (oleh 3. Expert Sharing Session - Sustainable Finance (by Otoritas
Otoritas Jasa Keuangan Institute); Jasa Keuangan Institute);
4. Governance, Risk, and Compliance (oleh Bank Victoria); 4. Governance, Risk, and Compliance (by Bank Victoria);
5. Membentuk Pribadi yang Amanah dan Terpercaya (oleh Bank 5. Shaping a Trustworthy Individual (by Bank Victoria);
Victoria);
6. Mini Town Hall (oleh Bank Victoria); 6. Mini Town Hall (by Bank Victoria);
7. Outbond: Together We Growth (oleh Bank Victoria); 7. Outbond: Together We Growth (by Bank Victoria);
8. Outbond: Together We Can Do More Great Things (oleh Bank 8. Outbond: Together We Can Do More Great Things (by Bank
Victoria); Victoria);
9. Outlook Banking Regulation: Tantangan Industri Perbankan, 9. Outlook Banking Regulation: Challenges in Banking Industry,
Arah Regulasi, dan Future Banking (oleh Lembaga Regulatory Direction, and Future Banking (by Indonesian
Pengembangan Perbankan Indonesia); Banking Development Institution);
10. Philosophy that Flows in My Soul (oleh Bank Victoria); 10. Philosophy that Flows in My Soul (by Bank Victoria);
11. Refreshment Credit SME Segmentation (oleh Bank Victoria); 11. Refreshment Credit SME Segmentation (by Bank Victoria);
12. Refreshment Sertifikasi Manajemen Risiko (oleh PT Efektifpro 12. Risk Management Certification Refreshment (by PT
Knowledge Source); dan Efektifpro Knowledge Source); and
13. Undangan International Talks 2023 (oleh Bank Indonesia). 13. Invitation International Talks 2023 (by Bank Indonesia).
Lembing 1. Outlook Banking Regulation: Tantangan Industri Perbankan, 1. Outlook Banking Regulation: Challenges in Banking Industry,
Direktur Arah Regulasi, dan Future Banking (oleh Lembaga Regulatory Direction, and Future Banking (by Indonesian
Director Pengembangan Perbankan Indonesia); Banking Development Institution);
2. Expert Sharing Session - Keuangan Berkelanjutan (oleh Otoritas 2. Expert Sharing Session - Sustainable Finance (by Otoritas
Jasa Keuangan Institute); Jasa Keuangan Institute);
3. Governance, Risk, and Compliance (oleh Bank Victoria); 3. Governance, Risk, and Compliance (by Bank Victoria);
4. Managing Environmental, Social and Governance Risks and 4. Managing Environmental, Social and Governance Risks and
Opportunities (oleh Otoritas Jasa Keuangan Institute); Opportunities (by Otoritas Jasa Keuangan Institute);
5. Membentuk Pribadi yang Amanah dan Terpercaya (oleh Bank 5. Shaping a Trustworthy Individual (by Bank Victoria);
Victoria);
6. Mini Town Hall (oleh Bank Victoria); 6. Mini Town Hall (by Bank Victoria);
7. Philosophy that Flows in My Soul (oleh Bank Victoria); 7. Philosophy that Flows in My Soul (by Bank Victoria);
8. Refreshment Credit SME Segmentation (oleh Bank Victoria); 8. Refreshment Credit SME Segmentation (by Bank Victoria);
dan dan
9. Refreshment Sertifikasi Manajemen Risiko (oleh PT Efektifpro 9. Risk Management Certification Refreshment (by PT
Knowledge Source). Efektifpro Knowledge Source).
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Tata Kelola Perusahaan
Good Corporate Governance
Nama dan
Jabatan Materi Pelatihan dan Penyelenggara
Name and Training Materials and Organizers
Position
Debora Wahjutirto 1. Outlook Banking Regulation: Tantangan Industri Perbankan, 1. Outlook Banking Regulation: Challenges in Banking Industry,
Tanoyo Arah Regulasi, dan Future Banking (oleh Lembaga Regulatory Direction, and Future Banking (by Indonesian
Direktur Pengembangan Perbankan Indonesia); Banking Development Institution);
Director 2. Expert Sharing Session - Keuangan Berkelanjutan (oleh 2. Expert Sharing Session - Sustainable Finance (by Otoritas
Otoritas Jasa Keuangan Institute); Jasa Keuangan Institute);
3. Governance, Risk, and Compliance (oleh Bank Victoria); 3. Governance, Risk, and Compliance (by Bank Victoria);
4. Managing Environmental, Social and Governance Risks and 4. Managing Environmental, Social and Governance Risks and
Opportunities (oleh Otoritas Jasa Keuangan Institute); Opportunities (by Otoritas Jasa Keuangan Institute);
5. Membentuk Pribadi yang Amanah dan Terpercaya (oleh Bank 5. Shaping a Trustworthy Individual (by Bank Victoria);
Victoria);
6. Mini Town Hall (oleh Bank Victoria); 6. Mini Town Hall (by Bank Victoria);
7. Philosophy that Flows in My Soul (oleh Bank Victoria); dan 7. Philosophy that Flows in My Soul (by Bank Victoria); dan
8. Refreshment Sertifikasi Manajemen Risiko (oleh PT Efektifpro 8. Risk Management Certification Refreshment
Knowledge Source).
Tamunan 1. Outlook Banking Regulation: Tantangan Industri Perbankan, Arah 1. Outlook Banking Regulation: Challenges in Banking Industry,
Direktur Regulasi, dan Future Banking (oleh Lembaga Pengembangan Regulatory Direction, and Future Banking (by Indonesian
Kepatuhan dan Perbankan Indonesia); Banking Development Institution);
Manajemen Risiko 2. Expert Sharing Session - Keuangan Berkelanjutan (oleh Otoritas 2. Expert Sharing Session - Sustainable Finance (by Otoritas
Director of Jasa Keuangan Institute); Jasa Keuangan Institute);
Compliance and 3. Governance, Risk, and Compliance (oleh Bank Victoria); 3. Governance, Risk, and Compliance (by Bank Victoria);
Risk Management 4. Membentuk Pribadi yang Amanah dan Terpercaya (oleh Bank 4. Shaping a Trustworthy Individual (by Bank Victoria);
Victoria);
5. Outbond: Change the Future (oleh Bank Victoria); 5. Outbond: Change the Future (by Bank Victoria);
6. Philosophy that Flows in My Soul (oleh Bank Victoria); 6. Philosophy that Flows in My Soul (by Bank Victoria);
7. Refreshment Sertifikasi Manajemen Risiko (oleh PT Efektifpro 7. Risk Management Certification Refreshment
Knowledge Source); (by PT Efektifpro Knowledge Source);
8. Resertifikat “Sertifikasi Kompetensi Manajemen Risiko 8. Recertificate “Banking Risk Management Competency
Perbankan - Kualifikasi 7” (oleh Lembaga Sertifikasi Certification - Qualification 7” (by Banking Professionals
Profesional Perbankan); Certification Institute);
9. Sosialisasi Kebijakan Risk Register (oleh Bank Victoria); 9. Dissemination of Risk Register Risk (by Bank Victoria);
10. Managing Environmental, Social and Governance Risks and 10. Managing Environmental, Social and Governance Risks and
Opportunities (oleh Otoritas Jasa Keuangan Institute); Opportunities (by Otoritas Jasa Keuangan Institute);
11. Sosialisasi Penguatan Kerangka Hukum terkait Pencegahan dan 11. Dissemination of Strengthening Legal Framework on the
Pemberantasan Pendanaan Proliferasi Senjata Pemusnah Massal Prevention and Eradication of Funding for Proliferation of
(dari Pusat Pelaporan dan Analisis Transaksi Keuangan); Weapons of Mass Destruction (by Financial Transaction
Reports and Analysis Center);
12. Webinar dengan tema "Peluang, Harapan dan Tantangan 12. Webinar with a theme “Opportunities, Hopes and Challenges
Perekonomian Nasional" (oleh Forum Komunikasi Direktur of National Economy” (by Banking Compliance Directors
Kepatuhan Perbankan); Communication Forum);
13. Seminar Otoritas Jasa Keuangan Carbon (oleh Otoritas Jasa 13. Financial Services Authority Seminar: Carbon (by Financial
Keuangan); Services Authority);
14. 4th Legal Forum “Urgensi Regulatory Technology dan Digital 14. 4th Legal Forum “The Urgency of Regulatory Technology
Evidence dalam Mendukung Efektivitas Penegakan Hukum and Digital Evidence in Supporting the Effectiveness of Law
Tindak Pidana Pencucian Uang dan Tindak Pidana Pendanaan Enforcement in Crimes of Money Laundering and Counter
Terorisme (oleh Forum Komunikasi Direktur Kepatuhan Terrorism Financing (by Banking Compliance Directors
Perbankan); Communication Forum);
15. Focus Group Discussion "lmplementasi Anti Pencucian Uang, 15. Focus Group Discussion “lmplementation of Anti Money
Pencegahan Pendanaan Terorisme, dan Pencegahan Pendanaan Laundering, Counter Terrorism Financing, and Prevention
Proliferasi Senjata Pemusnah Massal dan Kewajiban Pelaporan" of Funding for Proliferation of Weapons of Mass Destruction
(oleh Forum Komunikasi Direktur Kepatuhan Perbankan); and Reporting Obligation” (by Banking Compliance Directors
Communication Forum);
16. Undangan Kegiatan “Risk and Governance Summit 2023" (oleh 16. Event Invitation “Risk and Governance Summit 2023” (by
Otoritas Jasa Keuangan); dan Financial Services Authority); and
17. Diseminasi Pusat Pelaporan dan Analisis Transaksi Keuangan 17. Dissemination by Financial Transaction Reports and Analysis
“Securing Hasil Tindak Pidana Lintas Batas Negara Melalui Center “Securing Proceeds of Cross-Border Crimes Through
Implementasi Regulasi Mengenai Penundaan, Penghentian, the Implementation of Regulations on Postponement,
dan Pemblokiran (oleh Pusat Pelaporan dan Analisis Transaksi Termination and Blocking” (by Financial Transaction Reports
Keuangan). and Analysis Center).
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Program Orientasi bagi Anggota Dewan Orientation Program for Newly Appointed
Komisaris dan Direksi yang Baru Diangkat Members of Board of Commissioners and
Board of Directors
Bank Victoria memiliki program orientasi dan pengenalan bagi Bank Victoria has an orientation and introduction program for
anggota Dewan Komisaris dan Direksi baru diangkat. Program ini newly appointed members of the Board of Commissioners and
bertujuan untuk memberikan pemahaman tentang visi, misi, dan Board of Directors. This program aims to provide an understanding
nilai Bank Victoria, Kode Etik, struktur organisasi, bidang usaha, of Bank Victoria’s vision, mission, and values, Code of Conduct,
pedoman dan tata tertib kerja Dewan Komisaris dan Direksi serta organizational structure, line of business, charters and conduct
peraturan-peraturan perbankan. Corporate Secretary menjadi for the Board of Commissioners and Board of Directors, and
penanggung jawab pelaksanaan program orientasi ini. banking regulations. The Corporate Secretary is in charge of the
implementation of this orientation program.
Penanganan Benturan Kepentingan
Dewan Komisaris dan Direksi
Handling of Conflict of Interests of the Board of Commissioners
and Board of Directors
Seluruh anggota Dewan Komisaris dan Direksi dilarang berada di All members of the Board of Commissioners and Board of
situasi atau kondisi tertentu di mana kepentingan anggota Dewan Directors are prohibited from being in certain situation or
Komisaris dan/atau Direksi bertentangan dengan kepentingan condition in which the interests of members of the Board of
Bank. Namun, apabila terjadi benturan kepentingan, maka harus Commissioners and/or Board of Directors conflict with the
diungkapkan dan anggota Dewan Komisaris dan/atau Direksi interests of the Bank. However, in case of any conflict of interest,
yang bersangkutan tidak boleh melibatkan diri dalam proses such conflict must be disclosed and the relevant member of the
pengambilan keputusan Bank yang berkaitan dengan benturan Board of Commissioners and/or Board of Directors is prohibited
kepentingan tersebut. from being involved in any of the Bank’s decision-making process
related to such conflict of interest.
Mekanisme Pengunduran Diri dan
Pemberhentian Dewan Komisaris dan Direksi
Resignation and Dismissal Mechanism of the Board of
Commissioners and Board of Directors
Mekanisme Pengunduran Diri Resignation Mechanism
Bank telah menetapkan mekanisme pengunduran diri Dewan The Bank has established a mechanism for the resignation of the
Komisaris dan Direksi dalam Anggaran Dasar yang diuraikan Board of Commissioners and Board of Directors in the Articles of
sebagai berikut: Association, described as follows:
1. Seorang anggota Dewan Komisaris dan Direksi dapat 1. A member of the Board of Commissioners and Board of
mengundurkan diri dari jabatannya dengan menyampaikan Directors may resign from the position by submitting a
permohonan secara tertulis kepada Bank; written request to the Bank;
2. Bank Wajib menyelenggarakan RUPS untuk memutuskan 2. The Bank is required to hold a GMS to resolve on resignation
permohonan pengunduran diri anggota Direksi dalam jangka request of members of the Board of Directors within 90 days
waktu 90 hari setelah diterimanya surat pengunduran diri; after receipt of the resignation letter;
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Tata Kelola Perusahaan
Good Corporate Governance
3. Bank wajib melakukan keterbukaan informasi kepada 3. The Bank is required to disclose information to the public and
masyarakat dan menyampaikan kepada Otoritas Jasa submit it to the Financial Services Authority no later than 2
Keuangan paling lambat 2 (dua) hari kerja setelah diterimanya (two) working days after receiving the request for resignation
permohonan pengunduran diri Direksi; dan of the Board of Directors; and
4. Jika oleh suatu sebab jabatannya anggota Direksi kosong, dan 4. In the event that one position of Board of Directors is
jumlah anggota Direksi menjadi kurang dari 3 (tiga) orang, maka vacant, and the number of the Board of Directors is less
selambat-lambatnya 90 hari kalender setelah kekosongan itu than 3 (three) members, then no later than 90 calendar days
harus diadakan RUPS untuk mengisi kekosongan tersebut after the vacancy, a GMS must be held to fill the vacancy by
dengan memperhatikan peraturan perundang-undangan yang considering the applicable laws and regulations in the capital
berlaku di bidang pasar modal. market.
Mekanisme Pemberhentian Dismissal Mechanism
Selain pengunduran diri secara sukarela, Dewan Komisaris In addition to voluntary resignation, the Bank’s Board of
dan Direksi Bank dapat diberhentikan sewaktu-waktu dengan Commissioners and Board of Directors may be dismissed at any
mekanisme sebagai berikut: time by using the following mechanism:
1. Anggota Dewan Komisaris dan Direksi dapat diberhentikan 1. Members of the Board of Commissioners and Board of Directors
untuk sementara oleh RUPS dengan dengan menyebutkan can be suspended by the GMS by stating the reasons after
alasannya setelah anggota Dewan Komisaris dan Direksi yang the members of the Board of Commissioners and Board of
bersangkutan diberi kesempatan untuk membela diri; Directors concerned are given a chance to defend themselves;
2. Anggota Direksi dapat diberhentikan untuk sementara oleh 2. Members of the Board of Directors may be suspended by the
Dewan Komisaris dengan menyebutkan alasannya; Board of Commissioners by stating the reasons;
3. Pemberhentian sementara anggota Direksi wajib disampaikan 3. The suspension of a member of the Board of Directors must
secara tertulis; be conveyed in writing;
4. Dewan Komisaris harus menyelenggarakan RUPS untuk 4. The Board of Commissioners must hold a GMS to revoke or
mencabut atau menguatkan keputusan pemberhentian confirm the suspension decision;
sementara;
5. RUPS wajib diselenggarakan dalam jangka waktu paling 5. The GMS must be held no later than 90 days after the
lambat 90 hari setelah tanggal pemberhentian sementara; suspension date;
6. Jika dalam waktu yang ditentukan RUPS tidak dapat mengambil 6. If within the specified time the GMS cannot adopt a
keputusan, maka pemberhentian sementara menjadi batal; resolution, then the suspension will be cancelled;
7. Anggota Direksi yang diberhentikan sementara tidak 7. Members of the Board of Directors who are suspended are
berwenang untuk menjalankan kepengurusan Bank dan not authorized to carry out the management of the Bank and
mewakili Bank di dalam maupun di luar pengadilan; represent the Bank in or out of court;
8. Batas kewenangan anggota Direksi berlaku sejak 8. The limits of authority of the Board of Directors’ members
dikeluarkannya keputusan pemberhentian sementara oleh apply from the issuance of a suspension decision by the Board
Dewan Komisaris sampai dengan dikeluarkannya keputusan of Commissioners until the issuance of a GMS resolution
RUPS yang menguatkan atau membatalkan pemberhentian confirming or canceling the suspension and until the time
sementara dan terlampauinya jangka waktu penyelenggaraan period for holding the GMS is exceeded; and
RUPS; dan
9. Apabila anggota Direksi yang diberhentikan sementara 9. If the suspended members of the Board of Directors do not
tersebut tidak hadir dalam RUPS maka anggota Direksi attend the GMS, such members are deemed not to have
yang diberhentikan sementara tersebut dianggap tidak exercised their right to defend themselves at the GMS, thus
menggunakan haknya untuk membela dirinya dalam RUPS, the suspended members of the Board of Directors accepts
dengan demikian anggota Direksi yang diberhentikan the GMS resolutions.
sementara tersebut menerima keputusan RUPS.
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Kebijakan Keberagaman Komposisi Dewan
Komisaris dan Direksi
Diversity Policy of Composition of the Board of Commissioners
and Board of Directors
Keberagamaan komposisi Dewan Komisaris dan Direksi The diversity of composition of the Board of Commissioners and
merupakan salah satu upaya yang dilakukan Bank Victoria untuk Board of Directors is one of the efforts made by Bank Victoria
menguatkan peran, fungsi dan tugas Dewan Komisaris dan to strengthen the roles, functions, and duties of the Board
Direksi. Informasi keberagaman komposisi Dewan Komisaris dan of Commissioners and Board of Directors. Information on the
Direksi Bank dapat dilihat pada bagian Profil Dewan Komisaris diversity of composition of the Board of Commissioners and
dan Profil Direksi. Board of Directors can be seen in the Profile section of the Board
of Commissioners and Board of Directors.
Kebijakan Nominasi dan Remunerasi
Dewan Komisaris dan Direksi
Nomination and Remuneration Policy of the
Board of Commissioners and Board of Directors
Kebijakan Nominasi Nomination Policy
Berdasarkan Pedoman Komite Nominasi dan Remunerasi, Komite Based on the Nomination and Remuneration Commitee’s
Nominasi dan Remunerasi bertugas untuk menyusun suatu sistem Charter, the Nomination and Remuneration Committee has the
nominasi bagi anggota Dewan Komisaris dan Direksi Bank yang duty to establish a nomination system for members of Board of
akan menjadi bagian dari Kebijakan Good Corporate Governance Commissioners and Board of Directors, which will become part of
dari Bank serta akan menjadi pedoman bagi Dewan Komisaris the Bank’s Good Corporate Governance Policy and will be used
dan RUPS dalam menetapkan nominasi dan remunerasi anggota as a guideline for the Board of Commissioners and the GMS to
Dewan Komisaris dan Direksi. determine the nomination and remuneration of members of the
Board of Commissioners and Board of Directors.
Proses Seleksi Calon Anggota Dewan Komisaris Selection Process for Candidates for the Board of
dan Direksi Commissioners and Board of Directors
Proses seleksi calon anggota Dewan Komisaris dan Direksi Bank The selection process for candidates for the Bank’s Board of
sebagai berikut: Commissioners and Board of Directors is as follows:
1. Komite Nominasi dan Remunerasi mengidentifikasi calon 1. The Nomination and Remuneration Committee identifies
yang memenuhi kriteria; candidates who meet the criteria;
2. Dewan Komisaris atas dasar saran Komite Nominasi dan 2. The Board of Commissioners based on recommendation from
Remunerasi menyampaikan kepada Pemegang Saham; dan the Nomination and Remuneration Committee submits to
the Shareholders; and
3. Pelaksanaan seleksi dilaksanakan sebelum masa jabatan 3. The selection process is carried out prior to the expiry of
berakhir, diminta atau apabila ada kekosongan Direksi. the existing term of office, or upon request or in case of any
vacancy in the Board of Directors’ position.
Kriteria Dewan Komisaris dan Direksi Criteria of the Board of Commissioners and
Board of Directors
Seluruh calon anggota Dewan Komisaris dan Direksi harus All candidates for the Board of Commissioners and Board of Directors
memenuhi persyaratan yang diatur dalam BOC Charter dan BOD must meet the requirements set out in the BOC Charter and BOD
Charter sebelum diangkat menjadi anggota Dewan Komisaris dan Charter prior to being appointed as members of the Bank’s Board of
Direksi Bank, yang diuraikan sebagai berikut: Commissioners and Board of Directors, which are described as follows:
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Tata Kelola Perusahaan
Good Corporate Governance
1. Persyaratan Formal 1. Formal Requirements
a. Cakap melakukan perbuatan hukum; a. Capable in performing legal actions;
b. Dalam 5 (lima) tahun sebelum pengangkatan dan selama b. Within 5 (five) years before appointment and during the
menjabat: term of office:
1) Tidak pernah dinyatakan pailit; 1) Never been declared bankrupt;
2) Tidak pernah menjadi anggota Dewan Komisaris dan/ 2) Never become a member of Board of Commissioners
atau Direksi yang dinyatakan bersalah menyebabkan and/or Board of Directors who is found guilty of causing
suatu bank dinyatakan pailit; a bank to be declared bankrupt;
3) Tidak pernah dihukum karena melakukan tindak 3) Never been punished for committing a criminal act that
pidana yang merugikan keuangan negara dan/atau is detrimental to state finances and/or related to the
yang berkaitan dengan sektor keuangan; serta financial sector; and
4) Tidak pernah menjadi anggota Dewan Komisaris dan/ 4) Never been a member of Board of Commissioners and/or
atau Direksi yang selama menjabat: Board of Directors who during the term of office:
• Pernah tidak menyelenggarakan RUPS Tahunan; • Has ever not convening an Annual GMS;
• Pertanggungjawabannya sebagai anggota Dewan • Has ever had his/her accountability as the member
Komisaris dan/atau Direksi pernah tidak diterima of Board of Commissioners and/or Board of Directors
oleh RUPS atau pernah tidak memberikan rejected by the GMS or has ever been absent in giving
pertanggungjawaban sebagai anggota Dewan his/her accountability as the member of Board of
Komisaris dan/atau Direksi kepada RUPS; dan Commissioners and/or Board of Directors to the
GMS; and
• Pernah menyebabkan Bank yang memperoleh • Has ever caused a Bank that obtains permit,
izin, persetujuan, atau pendaftaran dari Otoritas approval, or registration from the Financial Services
Jasa Keuangan tidak memenuhi kewajiban Authority not to fulfill its obligation to submit its
menyampaikan Laporan Tahunan dan/atau Annual Report and/or Financial Statements to the
Laporan Keuangan kepada Otoritas Jasa Keuangan. Financial Services Authority.
2. Persyaratan Material 2. Material Requirements
a. Mempunyai akhlak, moral, dan integritas yang baik; a. Have good character, morals, and integrity;
b. Memiliki komitmen untuk mematuhi peraturan b. Has a commitment to comply with the laws and
perundang-undangan; dan regulations; and
c. Memiliki pengetahuan dan/atau keahlian di bidang yang c. Has knowledge and/or expertise in the field required to
dibutuhkan untuk menjalankan tugasnya. perform the duties.
3. Persyaratan Lainnya 3. Other Requirements
a. Anggota Dewan Komisaris tidak diperkenankan a. Members of the Board of Commissioners are not allowed
merangkap jabatan sebagai anggota Direksi, anggota to concurrently hold position as a member of Board
Dewan Komisaris, atau Pejabat Eksekutif pada lembaga of Directors, member of Board of Commissioners, or
keuangan (bank atau non-bank) dan pada lebih dari 1 Executive Officer in other financial institutions (bank
(satu) perusahaan bukan lembaga keuangan baik yang or non-bank) and in more than 1 (one) non-financial
berkedudukan di dalam negeri atau luar negeri; institutions, either in Indonesia or overseas;
b. Anggota Dewan Komisaris tidak termasuk rangkap b. Members of the Board of Commissioners do not hold
jabatan apabila menjabat sebagai Direksi, anggota Dewan concurrent position if holding a position as the Board of
Komisaris, atau Pejabat Eksekutif yang melaksanakan Directors, members of Board of Commissioners, or Executive
fungsi pengawasan pada 1 (satu) Entitas Anak Bank yang Officer performing the supervision function in 1 (one) of the
dikendalikan oleh Bank (konsolidasi); Bank’s subsidiary controlled by the Bank (consolidated);
c. Komisaris non-independen tidak termasuk rangkap c. Non-independent Commissioner does not hold a
jabatan dalam menjalankan tugas fungsional dari concurrent position in performing its functional duty
Pemegang Saham yang berbentuk badan hukum pada from a legal entity Shareholder in the Banking business
kelompok usaha Bank; dan group; and
d. Anggota Direksi dilarang memangku jabatan rangkap, d. The member of Board of Directors are not allowed to
apabila jabatan rangkap tersebut bertentangan dengan hold concurrent positions if they are contrary to the
peraturan perundang-undangan dan/atau apabila laws and regulations and/or if they possibly lead to the
jabatan rangkap tersebut mungkin dapat menimbulkan conflict of interest.
benturan kepentingan.
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Kebijakan Remunerasi Dewan Komisaris dan Remuneration Policy of the Board of
Direksi Commissioners and Board of Directors
Remunerasi diberikan kepada Dewan Komisaris dan Direksi Remuneration is given to the Board of Commissioners and Board
sebagai bentuk penghargaan atas pelaksanaan tugas dan of Directors as a form of appreciation for performing their duties
tanggung jawab yang telah dilaksanakan dengan baik selama and responsibilities properly in the fiscal year. Pursuant to the
tahun buku. Sesuai dengan ketentuan Peraturan Otoritas Jasa Financial Services Authority Regulation No. 45/POJK.03/2015
Keuangan No. 45/POJK.03/2015 dan Surat Edaran Otoritas Jasa and Financial Services Authority Circular No. 40/SEOJK.03/2016
Keuangan No. 40/SEOJK.03/2016 tentang Penerapan Tata Kelola on Implementation of Governance in Providing Remuneration for
dalam Pemberian Remunerasi bagi Bank Umum, Bank Victoria Commercial Banks, Bank Victoria has implemented remuneration
telah mengimplementasikan kebijakan remunerasi yang sesuai policy in accordance with Board of Commissioners’ Decision
dengan Keputusan Dewan Komisaris No. 001/SK-KOM/09/18 Letter No. 001/SK-KOM/09/18 dated 20 September 2018 on
tanggal 20 September 2018 tentang Pedoman Komite Nominasi Guidelines of Nomination and Remuneration Committee of
dan Remunerasi PT Bank Victoria International Tbk. PT Bank Victoria International Tbk.
Prosedur Penetapan Remunerasi Dewan Procedure for Determining Remuneration for the
Komisaris dan Direksi Board of Commissioners and Board of Directors
Penetapan remunerasi bagi Dewan Komisaris dan Direksi Determination of remuneration for the Board of Commissioners and
dilakukan dengan mengikuti prosedur sebagai berikut: Board of Directors is carried out by following the procedures below:
1. Proses pengajuan usulan jenis dan besaran remunerasi oleh 1. The process of proposing remuneration types and amount by
Direksi kepada Dewan Komisaris atau oleh Dewan Komisaris the Board of Directors to the Board of Commissioners or by
sendiri; the Board of Commissioners itself;
2. Usulan tersebut akan ditelaah oleh Komite Nominasi dan 2. The proposal will be reviewed by the Nomination and
Remunerasi dengan mempertimbangkan indikator-indikator Remuneration Committee by considering specific indicators;
tertentu;
3. Hasil penelaahan akan dijadikan sebagai rekomendasi dan 3. The review result will be the recommendation and basis for
dasar pertimbangan bagi Dewan Komisaris untuk diajukan consideration for the Board of Commissioners to be proposed
kepada RUPS; dan in the GMS; and
4. RUPS memutuskan besaran remunerasi Dewan Komisaris dan 4. GMS determines the remuneration amount for the Board of
Direksi. Commissioners and Board of Directors.
Jenis dan Indikator Penetapan Remunerasi Dewan Types and Indicators to Determine Remuneration for
Komisaris dan Direksi the Board of Commissioners and Board of Directors
Indikator penetapan remunerasi Dewan Komisaris dan Direksi Indicators for determining the remuneration for the Bank’s Board of
Bank mempertimbangkan skala usaha, kompleksitas usaha, peer Commissioners and Board of Directors consider the business scale,
group, tingkat inflasi, kondisi dan kemampuan keuangan Bank, dan business complexity, peer group, inflation rate, financial condition
tidak bertentangan dengan peraturan perundang-undangan yang and capability of the Bank, and do not conflict with the applicable
berlaku. Sementara penerapan remunerasi yang bersifat variabel laws and regulations. Meanwhile, the variable remuneration is
secara khusus mendorong prudent risk taking serta memperhatikan applied specifically to promote prudent risk taking and consider the
risiko yang paling berpengaruh dalam kegiatan usaha (risiko utama). most affecting risk in the business activities (main risks).
Berdasarkan peraturan dan kebijakan terkait, remunerasi Dewan Based on relevant regulations and policies, the remuneration for
Komisaris dan Direksi terdiri dari: the Board of Commissioners and Board of Directors consists of:
1. Remunerasi yang Bersifat Tetap 1. Fixed Remuneration
Remunerasi ini diberikan dalam bentuk tunai dan dapat This remuneration is given in cash and can also be
juga disertai dengan pemberian remunerasi dalam bentuk accompanied with non-cash remuneration that is not related
tidak tunai serta tidak dikaitkan dengan kinerja dan risiko. to performance and risk. This remuneration consists of
Remunerasi ini terdiri dari gaji pokok, fasiltas, tunjangan basic salary, facilities, housing allowance, health allowance,
perumahan, tunjangan kesehatan, tunjangan pendidikan, education allowance, holiday allowance, and retirement
tunjangan hari raya, dan pensiun. plan.
2. Tunjangan yang Bersifat Variabel 2. Variable Allowance
Remunerasi ini dikaitkan dengan kinerja dan risiko serta This remuneration is related to the performance and risk
diberikan dalam bentuk tunai dan saham atau instrumen and is given in the form of cash and shares or share-based
yang berbasis saham yang diterbitkan Bank. Remunerasi instruments issued by the Bank. This remuneration is given in
ini diberikan dalam bentuk bonus atau bentuk lain yang the form of bonus or other similar forms.
dipersamakan dengan itu.
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Tata Kelola Perusahaan
Good Corporate Governance
Pelaksanaan Kaji Ulang dan Independensi Review and Independence of Remuneration
Penerapan Kebijakan Remunerasi Policy Implementation
Dalam rangka memastikan independensi pemberian remunerasi To ensure independence of remuneration for all employees
terhadap seluruh karyawan termasuk karyawan di unit kontrol, including employees in the control unit, Bank Victoria ensures
maka Bank Victoria memastikan evaluasi kinerja dan penentuan that performance evaluation and remuneration is determined
remunerasi yang dilakukan melalui pengawasan dan kajian by supervision and review to the Nomination and Remuneration
hingga Komite Nominasi dan Remunerasi. Bank Victoria secara Committee. Bank Victoria periodically reviews its remuneration
berkala melakukan kaji ulang atas kebijakan remunerasi yang policy based on performance, risk, fairness with peer groups,
didasarkan atas kinerja, risiko, kewajaran dengan peer group, targets, long-term strategy of the Bank, fulfillment of reserves as
sasaran, strategi jangka panjang Bank, pemenuhan cadangan stipulated in laws and regulations, and potential income of the
sebagaimana diatur dalam peraturan perundang-undangan, dan Bank in the future.
potensi pendapatan Bank di masa yang akan datang.
Penetapan Material Risk Takers Establishing Material Risk Takers
Penentuan Material Risk Taker (MRT) dikategorikan sebagai berikut: Material Risk Taker (MRT) is categorized as follows:
1. MRT dapat ditentukan dengan menggunakan metode kualitatif 1. MRT can be determined by using qualitative method
sesuai dengan porsi tanggung jawab yang berpengaruh according to the portion of responsibility that affects main
terhadap profil risiko utama yang akan ditentukan berdasarkan risk profile which will be determined based on risk profile
evaluasi profil risiko yang ditentukan Bank setiap tahunnya; dan evaluation, as determined by the Bank annually; and
2. Penentuan kategori MRT juga dapat dilakukan secara 2. MRT category can also be determined quantitatively through
kuantitatif melalui perbandingan pemberian remunerasi comparison of variable remuneration provision between MRT
bersifat variabel antara MRT dan karyawan non-MRT dengan and non-MRT employees, by considering their performance
pertimbangan terhadap kinerja dan juga tingkat risiko jabatan and positional risk.
yang bersangkutan.
Dengan demikian, maka Dewan Komisaris, Direksi, dan/atau Therefore, the Board of Commissioners, Board of Directors, and/
karyawan yang memperoleh remunerasi yang bersifat variabel or employees receiving a high amount variable remuneration are
dengan nilai yang besar dikategorikan sebagai MRT. categorized as the MRT.
Penangguhan atau Penarikan Kembali Remuneration Suspension or Clawback
Remunerasi
Remunerasi Dewan Komisaris dan Direksi dapat ditangguhkan The remuneration of the Board of Commissioners and Board of
atau ditarik kembali jika Bank mengalami kerugian yang Directors can be suspended or clawback if the Bank suffers a
mengakibatkan pembagian remunerasi tidak dapat dilakukan loss which results in remuneration unable to be distributed in
secara penuh atau hanya bersifat variabel dengan nilai yang full or in a variable nature with a relatively small value. This is
relatif kecil. Hal ini sesuai dengan ketentuan peraturan pemberian in accordance with the provisions of providing remuneration for
remunerasi bagi Bank Umum. Commercial Banks.
Selain itu, Bank wajib menangguhkan atau menarik kembali In addition, the Bank must suspend or withdraw the payment of
pembayaran remunerasi variabel Dewan Komisaris dan Direksi variable remuneration for the Board of Commissioners and Board
(malus atau clawback) jika Bank mengalami kerugian akibat of Directors (malus or clawback) if the Bank suffers a loss due to
kondisi yang merugikan keuangan Bank, seperti fraud oleh pihak conditions that cause losses to the Bank’s finances, such as fraud
yang menjadi MRT atau kondisi lainnya. Penangguhan dapat by parties who are MRT or other conditions. Suspension can be
dilaksanakan dengan jangka waktu minimal selama 3 (tiga) tahun carried out with a minimum period of 3 (three) years and can be
dan dapat disesuaikan menjadi lebih panjang, sesuai dengan adjusted to be longer, according to the risk period. In this case,
jangka waktu risiko. Dalam hal tersebut, Dewan Komisaris dan the Board of Commissioners and Board of Directors are prohibited
Direksi dilarang melakukan lindung nilai terhadap remunerasi from hedging on deferred variable remuneration.
variabel yang ditangguhkan.
Kaitan Remunerasi dengan Risiko dan Kinerja Connection of Remuneration with Risk and
Performance
Penetapan remunerasi variabel Dewan Komisaris dan Direksi The determination of variable remuneration for the Board of
disesuaikan dengan risiko utama yang dihadapi Bank, berdasarkan Commissioners and Board of Directors is adjusted to the main risks
kriteria dan dampak risiko. Jika risiko utama terjadi, remunerasi faced by the Bank, based on the criteria and risk impacts. If the
Dewan Komisaris dan Direksi sebagai MRT akan terpengaruh. main risk occurs, the remuneration for the Board of Commissioners
Selain itu, penetapan remunerasi variabel juga disesuaikan dengan and Board of Directors as the MRT will be affected. In addition,
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pengukuran kinerja individu dan kolegial oleh Dewan Komisaris dan determination of variable remuneration is also adjusted to the
Direksi. Berdasarkan hasil pengukuran kinerja, Komite Nominasi Board of Commissioners and Board of Directors’ individual and
dan Remunerasi memberikan masukan/rekomendasi kepada collegial performance. Based on the performance assessment
Dewan Komisaris mengenai besaran remunerasi yang sesuai. results, the Nomination and Remuneration Committee gives an
Rekomendasi tersebut kemudian disampaikan kepada RUPS untuk input/recommendation to the Board of Commissioners regarding
penetapan remunerasi Dewan Komisaris dan Direksi. the proper amount of remuneration. Such recommendation is
then submitted to the GMS to determine the remuneration for
the Board of Commissioners and Board of Directors.
Konsultan terkait Kebijakan Remunerasi Consultant regarding Remuneration Policy
Dalam merumuskan kebijakan remunerasi, Bank tidak In formulating remuneration policies, the Bank has not used
menggunakan jasa konsultan. consultant services.
Struktur dan Besaran Remunerasi Dewan Remuneration Structure and Amount for the
Komisaris dan Direksi Board of Commissioners and Board of Directors
Remunerasi Dewan Komisaris dan Direksi terdiri dari remunerasi Remuneration for the Board of Commissioners and Board of
tetap (honorarium, benefit seperti asuransi kesehatan, kendaraan Directors consists of fixed remuneration (honorarium, benefits
dinas, BPJS Ketenagakerjaan, dan THR), serta remunerasi variabel such as health insurance, official vehicle, BPJS Employment,
(tantiem/gratifikasi dan saham). Pembayaran dapat dilakukan and THR), and variable remuneration (tantiem/gratification
secara tunai atau non-tunai, yakni dalam bentuk natura (rumah, and shares). Payments can be made in cash or non-cash, i.e. in
kendaraan dinas, serta bentuk lainnya yang dapat dimiliki maupun the form of natura facilities (house, official vehicle, and other
tidak dapat dimiliki) dan saham. Besaran remunerasi yang bersifat forms that may or may not be owned) and shares. The amount of
variabel disesuaikan dengan kinerja, tugas, dan tanggung jawab variable remuneration is adjusted to the performance, duties, and
masing-masing anggota Dewan Komisaris dan Direksi. responsibilities of each member of the Board of Commissioners
and Board of Directors.
Pada tahun 2023, remunerasi Dewan Komisaris dan Direksi Bank In 2023, the remuneration for the Board of Commissioners and
Victoria sebagai berikut: Board of Directors of Bank Victoria was as follows:
Remunerasi Dewan Komisaris dan Direksi berdasarkan Jenis
Remuneration for the Board of Commissioners and Board of Directors by Type
Dewan Komisaris Direksi
Board of Commissioners Board of Directors
Jenis Remunerasi
Type of Remuneration Jumlah Jumlah
Orang Orang
Total Total
People People
(Rp) (Rp)
Remunerasi Bersifat Tetap (Gaji dan THR)
2 2,482,700,000 5 12,454,017,200
Fixed Remuneration (Salary and THR Allowance)
Remunerasi Bersifat Variabel (Bonus)
2 792,954,993 5 4,502,746,513
Variable Remuneration (Bonus)
Total 3,275,654,993 16,956,763,713
Remunerasi Dewan Komisaris dan Direksi berdasarkan Bentuk
Remuneration for the Board of Commissioners and Board of Directors by Form
Dewan Komisaris Direksi
Board of Commissioners Board of Directors
Bentuk Remunerasi
Form of Remuneration Jumlah Jumlah
Orang Orang
Total Total
People People
(Rp) (Rp)
Remunerasi dalam Bentuk Tunai
2 3,275,654,993 5 16,956,763,713
Remuneration in the form of Cash
Remunerasi dalam Bentuk Natura
- - - -
Remuneration in the form of Natura
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Tata Kelola Perusahaan
Good Corporate Governance
Dewan Komisaris Direksi
Board of Commissioners Board of Directors
Bentuk Remunerasi
Form of Remuneration Jumlah Jumlah
Orang Orang
Total Total
People People
(Rp) (Rp)
Remunerasi dalam Bentuk Saham
- - - -
Remuneration in the form of Shares
Total 3,275,654,993 16,956,763,713
Kelompok Remunerasi Dewan Komisaris dan Direksi
Remuneration Group of the Board of Commissioners and Board of Directors
Jumlah Dewan Komisaris Jumlah Direksi
Jumlah Remunerasi dalam Setahun
Total Board of Commissioners Total Board of Directors
Total Remuneration in a Year
(Orang/People) (Orang/People)
Di atas Rp2 miliar
- 2
Above Rp2 billion
Di atas Rp1 miliar - Rp2 miliar
- 2
Above Rp1 billion - Rp2 billion
Di atas Rp500 juta - Rp1 miliar
2 1
Above Rp500 million - Rp1 billion
Di bawah Rp500 juta
1 -
Below Rp500 million
Remunerasi yang Ditangguhkan atau Ditarik Suspended or Clawback Remuneration
Kembali
Pada tahun 2023, tidak terdapat remunerasi Dewan Komisaris In 2023, there was no suspended or clawback remuneration of
dan Direksi yang ditangguhkan atau ditarik kembali. the Board of Commissioners and Board of Directors.
Pengungkapan Bonus Kinerja, Bonus Non-Kinerja, Disclosure of Performance Bonus,
dan Opsi Saham Non-Perfomance Bonus, and Stock Option
Pada tahun 2023, Dewan Komisaris dan Direksi Bank tidak In 2023, the Bank’s Board of Commissioners and Board of
mendapat bonus kinerja, bonus non-kinerja, dan opsi saham. Directors did not receive performance bonus, non-performance
bonus, or stock option.
Rasio Gaji Tertinggi dan Terendah Ratio of Highest and Lowest Salary
Bank Victoria selalu memperhatikan kesesuaian rasio gaji Bank Victoria consistently pays attention to the conformity
antara Dewan Komisaris, Direksi, dan seluruh karyawan, dengan of salary ratio between the Board of Commissioners, Board of
mempertimbangkan tingkat tugas dan tanggung jawab. Informasi Directors, and all employees, by considering the level of duties
rasio gaji Bank Victoria untuk tahun 2023 sebagai berikut: and responsibilities. Information on Bank Victoria’s salary ratio
for 2023 is as follows:
Rasio
Uraian Description
Ratio
Gaji Tertinggi dan Terendah Dewan Komisaris 1:0.8 Board of Commissioners’ Highest and Lowest Salary
Gaji Tertinggi dan Terendah Direksi 1:0.6 Board of Directors’ Highest and Lowest Salary
Gaji Tertinggi dan Terendah Karyawan 1:0.04 Employees’ Highest and Lowest Salary
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Komite di bawah Dewan Komisaris
Board of Commissioners’ Subordinate Committees
Dewan Komisaris membentuk Komite Pemantau Risiko, Komite The Board of Commissioners established the Risk Monitoring
Nominasi dan Remunerasi, dan Komite Audit untuk mendukung Committee, Nomination and Remuneration Committee, and
efektivitas pelaksanaan tugas dan tanggung jawab Dewan Audit Committee to support the effective execution of the Board
Komisaris serta memastikan pengelolaan Bank sesuai dengan of Commissioners’ duties and responsibilities and ensure that the
prinsip-prinsip GCG. Bank’s management is in accordance with GCG principles.
Komite Pemantau Risiko Risk Monitoring Committee
Komite Pemantau Risiko membantu Dewan Komisaris dalam The Risk Monitoring Committee assists the Board of
menerapkan prinsip-prinsip GCG terutama terkait manajemen risiko. Commissioners in implementing GCG principles, particularly
Komite Pemantau Risiko mengawasi proses perbaikan berkelanjutan regarding risk management. The Risk Monitoring Committee
di Bank, memastikan kepatuhan terhadap kebijakan, prosedur, oversees the continuous improvement process at the Bank,
dan praktik risiko di semua tingkat organisasi, serta menjamin ensures the compliance with risk policies, procedures, and
pelaksanaan manajemen risiko yang efektif dan terkendali. practices at all levels of organization, and ensures the
implementation of an effective and controlled risk management.
Pedoman Komite Pemantau Risiko Risk Monitoring Committee Charter
Pelaksanaan tugas Komite Pemantau Risiko mengacu pada The implementation of the Risk Monitoring Committee’s
Pedoman Kerja Komite Pemantau Risiko yang dimutakhirkan duties refers to the Risk Monitoring Committee Charter which
melalui Keputusan Dewan Komisaris No. 002/SK-KOM/12/23 were updated through Board of Commissioners’ Decision
tanggal 6 Desember 2023 tentang Pedoman dan Tata Tertib Kerja No. 002/SK-KOM/12/23 dated 6 December 2023 on the Charter
Komite Pemantau Risiko PT Bank Victoria International Tbk. and Work Guidelines of the Risk Monitoring Committee of
PT Bank Victoria International Tbk.
Tugas dan Tanggung Jawab Komite Pemantau Duties and Responsibilities of the Risk
Risiko Monitoring Committee
Tugas dan tanggung jawab Komite Pemantau Risiko sebagai Duties and responsibilities of the Risk Monitoring Committee are
berikut: as follows:
1. Melakukan pengkajian ulang dan memberikan rekomendasi 1. Reviewing and providing recommendations on the
atas efektivitas pelaksanaan manajemen risiko Bank melalui effectiveness of the Bank’s risk management implementation
pertemuan secara berkala maupun cara lainnya untuk through regular meetings or other methods to discuss the
membahas progres dari tahapan-tahapan tugas dan tanggung progress of duties and responsibilities carried out by the Risk
jawab yang dilakukan oleh Satuan Kerja Manajemen Risiko; Management Work Unit;
2. Melakukan pengawasan atas kegiatan Satuan Kerja 2. Overseeing activities of the Risk Management Work Unit in
Manajemen Risiko dalam memantau pelaksanaan mitigasi monitoring the implementation of risk mitigation by related
risiko oleh Unit-Unit Kerja terkait; Work Units;
3. Melakukan pengawasan atas pelaksanaan rekomendasi 3. Overseeing the implementation of the Committee’s
Komite oleh Satuan Kerja Manajemen Risiko; recommendations by the Risk Management Work Unit;
4. Melakukan analisis dan evaluasi atas usulan Rencana Kegiatan 4. Performing analysis and evaluation of Bank Activity and
dan Anggaran Bank serta pengkajian ulang tahunan atas Budget Plan proposal, as well as annual review of the Bank’s
rencana jangka panjang Bank yang diajukan oleh Direksi; dan Long-Term Plan submitted by the Board of Directors; and
5. Melakukan penelaahan atas informasi risiko dan manajemen 5. Reviewing the Bank’s risk information and Bank risk
risiko Bank dalam laporan-laporan yang akan dipublikasikan. management in reports to be published.
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Tata Kelola Perusahaan
Good Corporate Governance
Komposisi dan Masa Jabatan Komite Pemantau Composition and Term of Office of the Risk
Risiko Monitoring Committee
Anggota Komite Pemantau Risiko Bank minimal berjumlah The Bank’s Risk Monitoring Committee shall at least consist of 3
3 (tiga) orang yang berasal dari Komisaris Independen dan pihak (three) members from Independent Commissioner and independent
independen. Masa jabatan Komite Pematau Pemantau Risiko party. The term of office of the Risk Monitoring Committee can not
tidak boleh lebih lama dari masa jabatan Dewan Komisaris dan be longer than the term of office of the Board of Commissioners and
dapat dipilih kembali untuk 1 (satu) periode berikutnya. can be reelected for 1 (one) subsequent period.
Pada tahun 2023, jumlah dan komposisi Komite Pemantau In 2023, the number and composition of Bank Victoria’s Risk
Risiko Bank Victoria berdasarkan Keputusan Direksi Monitoring Committee based on Board of Directors’ Decision
No. 002B/SK-DIR/11/22 tanggal 9 November 2022 sebagai Letter No. 002B/SK-DIR/11/22 dated 9 November 2022 were as
berikut: follows:
Nama Posisi di Komite Jabatan di Bank Keahlian
Name Position in the Committee Position at the Bank Expertise
Ketua Komisaris/Komisaris Independen Perbankan
Gunawan Tenggarahardja
Chairperson Commissioner/Independent Commissioner Banking
Anggota Komisaris Utama Independen Perbankan, Manajemen Risiko, dan GCG
Zaenal Abidin, Ph.D
Member Independent President Commissioner Banking, Risk Management, and GCG
Anggota Pihak Independen Perbankan dan Audit
Medi Sejati
Member Independent Party Banking and Audit
Anggota Pihak Independen Manajemen Risiko dan Perbankan
Yozef Abdulrachman
Member Independent Party Risk Management and Banking
Profil Komite Pemantau Risiko
Risk Monitoring Committee’s Profile
GUNAWAN TENGGARAHARDJA ZAENAL ABIDIN, Ph.D
Ketua Anggota
Chairperson Member
Dasar Hukum Penunjukkan dan Periode Menjabat Dasar Pengangkatan
Basis of Appointment and Term of Office
Keputusan Direksi No. 002B/SK-DIR/11/22 tanggal 9 November 2022 (2022-Sekarang).
Board of Directors’ Decision No. 002B/SK-DIR/11/22 dated 9 November 2022 (2022-Now).
Profil dapat dilihat pada profil Dewan Komisaris.
Profile can be seen in the Board of Commissioners’ profile chapter.
200 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
Keputusan Direksi No. 002B/SK-DIR/11/22 tanggal Board of Directors’ Decision No. 002B/SK-DIR/11/22
MEDI SEJATI 9 November 2022 (2022-Sekarang). dated 9 November 2022 (2022-Now).
Riwayat Pendidikan Education
Anggota
Diploma Manajemen Perbankan dari Sekolah Tinggi Ilmu Diploma of Banking Management from Sekolah Tinggi
Member
Ekonomi AKPI Bandung (1990). Ilmu Ekonomi AKPI Bandung (1990).
Rangkap Jabatan Concurrent Positions
Kewarganegaraan Di dalam Bank Victoria: In Bank Victoria:
Nationality • Anggota Komite Audit Bank Victoria (sejak 2021); • Member of Audit Committee of Bank Victoria
Indonesia / Indonesian (since 2021);
• Anggota Komite Audit Bank Victoria Syariah • Member of Audit Committee of Bank Victoria Syariah
Tempat Lahir (sejak 2021); dan (since 2021); and
Place of Birth • Anggota Komite Pemantau Risiko Bank Victoria • Member of Risk Monitoring Committee of Bank
Jakarta Syariah (sejak 2021). Victoria Syariah (since 2021).
Usia
Di luar Bank Victoria: Outside of Bank Victoria:
Age
Tidak ada. None.
58 tahun / years old
Riwayat Jabatan History of Positions
Domisili
• Kolektor PT Jasa Marga (1984–1986); • Collector of PT Jasa Marga (1984–1986);
Domicile
• Teller Bank Swadesi (1990-1991); • Teller of Bank Swadesi (1990-1991);
Jakarta
• Menjabat di Bank Intan (1991-1999) sebagai: • Held positions at Bank Intan (1991-1999) as:
a. Sekretaris Kepala Biro Kredit; a. Secretary of Credit Bureau Head;
b. Internal Control Officer; b. Internal Control Officer;
c. Kepala Bagian Audit Kredit dan Marketing; c. Credit and Marketing Audit Department Head;
d. Kepala Bagian Kredit Support; d. Credit Support Department Head;
• Auditor Kantor Akuntan Publik Edi Kaslim & Kantor • Auditor of Edi Kaslim Public Accounting Firm & Gatot
Akuntan Publik Gatot Permadi Djuwono (1999–2002); Permadi Djuwono Public Accounting Firm (1999–2002);
• Kepala Bagian Akunting Bank Harmoni (2002–2007); • Head of Accounting Department of Bank Harmoni
(2002–2007);
• Kepala Bagian Akunting Bank Index Selindo • Head of Accounting Department of Bank Index
(2007–2008); Selindo (2007–2008);
• Kepala Divisi Akunting Bank Swaguna (2008–2010); • Accounting Division Head of Bank Swaguna
(2008-2010);
• Kepala Divisi Akunting Bank Victoria Syariah • Accounting Division Head of PT Bank Victoria Syariah
(2010-2014); (2010-2014);
• Akunting Officer PT Bank Victoria International Tbk • Accounting Officer of PT Bank Victoria International
(2014); Tbk (2014);
• Kepala Bagian Sentral Operasional PT Bank Victoria • Central Operational Department Head of PT Bank
Syariah (2014); Victoria Syariah (2014);
• Kepala Bagian Support Pembiayaan PT Bank Victoria • Financing Support Department Head of PT Bank
Syariah (2015); Victoria Syariah (2015);
• Kepala Divisi Manajemen Risiko dan Kepatuhan • Risk Management and Compliance Division Head of
PT Bank Victoria Syariah (2015-2016); PT Bank Victoria Syariah (2015-2016);
• Kepala Divisi Kepatuhan dan Sekretaris Perusahaan • Compliance Division Head and Corporate Secretary of
PT Bank Victoria Syariah (2017-2019); PT Bank Victoria Syariah (2017-2019);
• Kepala Divisi Kepatuhan PT Bank Victoria Syariah • Compliance Division Head of PT Bank Victoria Syariah
(2019-2020); (2019-2020);
• Anggota Komite Audit PT Victoria Alife Indonesia (2021); • Member of Audit Committee of PT Victoria Alife
dan Indonesia (2021); and
• Anggota Komite Pemantau Risiko PT Victoria Alife • Member of Risk Monitoring Committee of
Indonesia (2021). PT Victoria Alife Indonesia (2021).
Sertifikasi Certification
• Sertifikasi Manjemen Risiko Level 1 dari Badan • Risk Management Certification Level 1 from the Risk
Sertifikasi Manajemen Risiko (2007); Management Certification Institution (2007);
• Sertifikasi Manjemen Risiko Level 2 dari Badan • Risk Management Certification Level 2 from the Risk
Sertifikasi Manajemen Risiko (2011); Management Certification Institution (2011);
• Sertifikasi Kepatuhan Level 1 dari Lembaga Sertifikasi • Compliance Certification Level 1 from the Banking
Profesi Perbankan (2017); Professional Certification Institute (2017);
• Sertifikasi Manjemen Risiko Level 3 dari Badan • Risk Management Certification Level 3 from the Risk
Sertifikasi Manajemen Risiko (2018); Management Certification (2018);
• Sertifikasi Kepatuhan Level 2 dari Lembaga Sertifikasi • Compliance Certification Level 2 from the Banking
Profesi Perbankan (2018); dan Professional Certification Institute (2018); and
• Certification in Audit Committee Practices (CACP) • Certification in Audit Committee Practices (CACP) Batch
Batch XXIII dari Ikatan Komite Audit Indonesia (2023). XXIII from Indonesian Institute of Audit Committee (2023)
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Does not have any affiliation with members of Board
Komisaris, anggota Direksi, serta Pemegang Saham of Commissioners, members of Board of Directors, and
Utama dan Pengendali. Main and Controlling Shareholders.
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Tata Kelola Perusahaan
Good Corporate Governance
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
YOZEF Keputusan Direksi No. 002B/SK-DIR/11/22 tanggal Board of Directors’ Decision No. 002B/SK-DIR/11/22
ABDULRACHMAN 9 November 2022 (2022-Sekarang). dated 9 November 2022 (2022-Now).
Riwayat Pendidikan Education
Anggota Sarjana Matematika dari Universitas Padjadjaran (1983). Bachelor of Mathematics from Padjajaran University
Member (1983).
Rangkap Jabatan Concurrent Positions
Kewarganegaraan
Di dalam Bank Victoria: In Bank Victoria:
Nationality
• Anggota Komite Audit (sejak 2019). • Member of Audit Committee (since 2019).
Indonesia / Indonesian
Tempat Lahir Di luar Bank Victoria: Outside of Bank Victoria:
Place of Birth • Konsultan dan Trainer/Fasilitator bidang Manajemen • Consultant and Trainer/Facilitator of Risk
Tasikmalaya Risiko (sejak 2010); dan Management sector (since 2010); and
• Trainer dan Fasilitator Pembekalan Sertifikasi • Trainer and Facilitator for Briefing of Risk Management
Usia Manajemen Risiko dan Surveilance/Refreshment Certification and Risk Management Surveillance/
Age Manajemen Risiko (sejak 2010); Refreshment (since 2010);
66 tahun / years old
Riwayat Jabatan History of Position
Domisili • Menjabat di PT Bank Dagang Negara sebagai: • Held positions at PT Bank Dagang Negara as:
Domicile › Officer Development Program (1985-1986); › Officer Development Program (1985-1986);
Tangerang › System and Procedure Department Staff – › System and Procedure Department Staff –
Electronic Data Processing Desk (1986-1987); Electronic Data Processing Desk (1986-1987);
› Technical Support Department Staff - Electronic › Technical Support Department Staff - Electronic
Data Processing Desk (1988-1989); Data Processing Desk (1988-1989);
› Setup MIDAS Application System, Los Angeles › MIDAS Application System Setup, Los Angeles
Agency, Los Angeles, USA (1989); Agency, Los Angeles, USA (1989);
› Programmer III - Electronic Data Processing Desk › Programmer III - Electronic Data Processing Desk
(1989-1990); (1989-1990);
› Kepala Seksi Pengembangan Sistem Aplikasi – › Head of Application System Development Section
Divisi Informasi Teknologi (1991-1994); – Information Technology Division (1991-1994);
› Kepala Bagian Operasi Komputer - Divisi Informasi › Head of Computer Operations Division –
Teknologi (1995-1996); dan Information Technology Division (1995-1996); and
› Kepala Bagian Dukungan Pengguna – Divisi › Head of User Support Section – Information
Informasi Teknologi (1997-1998). Technology Division (1997-1998).
• Menjabat di PT Bank Mandiri Tbk sebagai: • Held positions at PT Bank Mandiri Tbk as:
› Project Manager Y2K (Legacy PT Bank Dagang › Y2K Project Manager (Legacy of PT Bank Dagang
Negara) (1999); Negara) (1999);
› Group Head, Branch IT Deployment – IT Retail › Group Head, IT Deployment Branch – IT Retail
Banking Services Delivery Division (1999-2000); Banking Services Delivery Division (1999-2000);
› Integrasi Sistem Aplikasi Core Banking › Core Banking Application System Integration
(implementasi 600 cabang) (1999-2000); (implementation in 600 branches) (1999-2000);
› Senior Manager of Operational Risk Management › Senior Manager of Operational Risk Management
Review – Operational Risk Department – Portfolio Review – Operational Risk Department – Portfolio
and Operational Risk Management Group and Operational Risk Management Group
(2001-2004); (2001-2004);
› Team Leader of Business Line II – Operational › Team Leader of Business Line II – Operational
Risk Department – Portfolio and Operational Risk Risk Department – Portfolio and Operational Risk
Management Group (2005-2006); Management Group (2005-2006);
› Trainer Implementation and Workshop Manajemen › Trainer of Implementation and Workshop
Risiko Operasional kepada ORM Koordinator Kantor on Operational Risk Management to ORM
Wilayah, Kantor Pusat, dan Kantor Cabang Timor Coordinators for Regional Offices, Head Office, and
Leste (2006-2010); Branch Offices of Timor Leste (2006-2010);
› Team Leader of Policy – Operational Risk › Team Leader of Policy – Operational Risk
Department – Market and Operational Risk Group Department – Market and Operational Risk Group
(2007-2008); dan (2007-2008); and
› Team Leader of MIS – Operational Risk Department › Team Leader of MIS – Operational Risk Department
– Market and Operational Risk Group (2009-2010). – Market and Operational Risk Group (2009-2010).
• Konsultan Manajemen Risiko Operasional PT Bank • Operational Risk Management Consultant of PT Bank
Agro Tbk (2011); Agro Tbk (2011);
• Konsultan Manajemen Risiko Operasional PT Bank • Operational Risk Management Consultant of PT Bank
Mutiara Tbk (2013); Mutiara Tbk (2013);
• Konsultan Mapping dan Pengukuran Eksposur • Consultant for Mapping and Corporate Loans Portfolio
Corporate Loans Portfolio PT Perusahaan Gas Negara Exposure Measurement of PT Perusahaan Gas Negara
Tbk (2014); Tbk (2014);
• Konsultan PT Bank Perkreditan Rakyat Sumber Artha • Consultant of PT Bank Perkreditan Rakyat Sumber
Waru Agung, Sidoarjo (2018); dan Artha Waru Agung, Sidoarjo (2018); and
• Anggota Komite Tata Kelola Terintegrasi Bank • Member of the Integrated Governance Committee of
Victoria (2019). Bank Victoria (2019).
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Sertifikasi Certification
• Manajemen Umum Perbankan dari Lembaga • Banking General Management from Indonesian Banking
Pengembangan Perbankan Indonesia (1990); Development Institute (1990);
• Kursus Pimpinan Cabang dari Lembaga • Branch Management Course from Indonesian Banking
Pengembangan Perbankan Indonesia (1996); Development Institute (1996);
• BASE-24 dari Applied Communications Inc. (ACI), • BASE-24 Applied Communications Inc. (ACI), Nebraska,
Nebrashka, USA (1996); USA (1996);
• Public Speaking and Business Presentation dari • Public Speaking and Business Presentation from
Tantowi Yahya Public Speaking School (2006); Tantowi Yahya Public Speaking School (2006);
• Project Management Workshop ABN Amro (2006); • Project Management Workshop, ABN Amro (2006);
• Effective Interview Technique Bagus Brain • Effective Interview Technique, Bagus Brain
Communication (2006); Communication (2006);
• Training Design Delivery Risk Management Academy • Training Design Delivery Risk Management Academy
dari PT Bank Mandiri Tbk (2009); from PT Bank Mandiri Tbk (2009);
• Training for Trainers Risk Management Certification • Training for Trainers Risk Management Certification
Level 2 dari Bankers Association for Risk Management Level 2 from Bankers Association for Risk Management
(2010); (2010);
• Risk Management Certification Refreshment Program • Risk Management Certification Refreshment Program,
dari Bankers Association for Risk Management (2015); Bankers Association for Risk Management (2015);
• Risk Management Certification Refreshment Program • Risk Management Certification Refreshment Program,
dari Lembaga Pengembangan Perbankan Indonesia Bankers Association for Risk Management (2020);
(2020);
• Sertifikasi Manjemen Risiko Level 2 dari Badan • Risk Management Certification Level 2 from the Risk
Sertifikasi Manajemen Risiko (2020); Management Certification Institution (2020);
• Pelatihan Dasar-Dasar Perbankan Syariah dari Karim • Training on the Basics of Sharia Banking by Karim
Consulting Indonesia (2022); dan Consulting Indonesia (2022); and
• Training Methodology Instructor Kerangka Kualifikasi • Training Methodology Instructor, Indonesia National
Nasional Indonesia Level 4 dari Badan Nasional Qualification Framework Level 4 from National
Sertifikasi Profesi, Lembaga Sertifikasi Profesi- Professional Certification Agency, Profession Certification
Instruktur Kompeten Indonesia (2023). Institute-Indonesia Competent Instructor (2023).
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Dewan Does not have any affiliation with members of Board
Komisaris, anggota Direksi, serta Pemegang Saham of Commissioners, members of Board of Directors, and
Utama dan Pengendali. Main and Controlling Shareholders.
Independensi Komite Pemantau Risiko Independency of Risk Monitoring Committee
Komite Pemantau Risiko Bank telah memenuhi aspek The Bank’s Risk Monitoring Committee has fulfilled the following
independensi berikut: independency aspects:
1. Tidak memiliki hubungan keuangan dengan Dewan Komisaris, 1. Does not have financial relationship with the Board of
Direksi, serta Pemegang Saham Utama dan Pengendali; Commissioners, Board of Directors, and Main and Controlling
Shareholders;
2. Tidak memiliki hubungan kepemilikan saham di Bank, baik 2. Does not have share ownership relationship in the Bank,
secara langsung maupun tidak langsung; either directly or indirectly;
3. Tidak memiliki hubungan kepengurusan di Bank, Entitas 3. Does not have management relationship in the Bank,
Anak, maupun perusahaan afiliasi; Subsidiary, and affiliated company;
4. Tidak memiliki hubungan keluarga dengan Dewan Komisaris, 4. Does not have family relationship with the Board of
Direksi, Pemegang Saham Utama dan Pengendali, dan/atau Commissioners, Board of Directors, Main and Controlling
sesama anggota Komite Pemantau Risiko; dan Shareholders, and/or among members of Risk Monitoring
Committee; and
5. Tidak menjabat sebagai pengurus partai politik, pejabat, dan 5. Does not hold position as administrator of political party,
pemerintah. state, and government.
Rapat Komite Pemantau Risiko Risk Monitoring Committee’s Meetingting
Komite Pemantau Risiko minimal melaksanakan 6 (enam) kali The Risk Monitoring Committee shall hold at least 6 (six)
rapat dalam 11 (sebelas) per tahun. Rapat dapat diselenggarakan meetings in 11 (eleven) year. A meeting can be held if attended
apabila dihadiri minimal 51% dari jumlah anggota termasuk by at least 51% of the total members, including an Independent
seorang Komisaris Independen dan pihak independen. Commissioner and independent party.
Frekuensi kehadiran Komite Pemantau Risiko dalam rapat selama The frequency of attendance of the Risk Monitoring Committee
tahun 2023 ditunjukkan sebagai berikut: at meetings throughout 2023 is shown as follows:
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Tata Kelola Perusahaan
Good Corporate Governance
Nama Jabatan Total Rapat Total Kehadiran Tingkat Kehadiran (%)
Name Position Total Meetings Total Attendance Attendance Rate (%)
Ketua
Gunawan Tenggarahardja 11 11 100.00
Chairperson
Anggota
Zaenal Abidin, Ph.D 11 11 100.00
Member
Anggota
Medi Sejati 11 11 100.00
Member
Anggota
Yozef Abdulrachman 11 11 100.00
Member
Agenda Rapat Komite Pemantau Risiko Meeting Agenda Risk Management Activities
Agenda yang dibahas dalam rapat Komite Pemantau Risiko Agenda discussed at the Risk Monitoring Committee’s meeting
khususnya terkait Laporan Profil Risiko, Laporan Tingkat is specifically related to the Risk Profile Report, Risk-Based
Kesehatan Bank berbasis Risiko (RBBR), kebijakan manajemen Bank Rating (RBBR) Report, risk management policies, risk
risiko, risk management framework, Laporan Direktur Kepatuhan, management framework, Compliance Director Report, and risk
dan risk register risk taking unit. register risk taking unit.
Laporan Singkat Pelaksanaan Kegiatan Komite Brief Report on Implementation of Risk
Pemantau Risiko Tahun 2023 Monitoring Committee’s Activities in 2023
Selain menyelenggarakan rapat secara berkala, Komite In addition to holding regular meetings, the Risk Monitoring
Pemantau Risiko telah berhasil menjalankan program-program Committee has successfully implemented the committee
komite melalui serangkaian kegiatan sebagai berikut: programs through a series of the following activities:
1. Menyampaikan Laporan Tahunan Komite Pemantau Risiko di 1. Submitting the Risk Monitoring Committee Annual Report
tahun 2022; 2022;
2. Melakukan penelaahan Laporan Kepatuhan; 2. Reviewing the Compliance Report;
3. Menyampaikan recana kerja Komite Pemantau Risiko tahun 3. Submitting the Risk Monitoring Committee Work Plan 2024;
2024;
4. Melakukan penelaahan Laporan Profil Risiko Triwulanan; 4. Reviewing the Quarterly Risk Report;
5. Melakukan penelaahan Laporan Tingkat Kesehatan Bank 5. Reviewing the Risk-Based Bank Rating Report;
Berbasis Risiko;
6. Menelaah Piagam Komite Pemantau Risiko; dan 6. Reviewing the Risk Monitoring Committee Charter; and
7. Menelaah Laporan Direktur Kepatuhan. 7. Reviewing the Compliance Director’s Report.
Pelatihan dan/atau Peningkatan Komite Risk Monitoring Committee’s Training and/or
Pemantau Risiko Development Programs
Selama tahun 2023, Komite Pemantau Risiko telah mengikuti Throughout 2023, the Risk Monitoring Committee attended
pelatihan dan/atau peningkatan kompetensi sebagai berikut: training and/or competency developments as follows:
Nama dan Jabatan Materi Pelatihan dan Penyelenggara
Name and Position Training Materials and Organizers
Gunawan Tenggarahardja Pelatihan dan/atau Peningkatan dapat dilihat pada bagian Training and/or Development can be seen in the Board of
Ketua Pelatihan dan/atau Peningkatan Dewan Komisaris. Commissioners’ Training and/or Development section.
Chairperson
Zaenal Abidin, Ph.D
Anggota
Member
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Nama dan Jabatan Materi Pelatihan dan Penyelenggara
Name and Position Training Materials and Organizers
Medi Sejati 1. Komite Audit (oleh Ikatan Komite Audit Indonesia); 1. Audit Committee (by Indonesian Institute of Audit
Anggota Committee);
Member 2. Audit Internal (oleh Ikatan Komite Audit Indonesia); 2. Internal Audit (by Indonesian Institute of Audit
Committee);
3. Pengawasan terhadap Pengendalian Internal (oleh Ikatan 3. Internal Control Supervision (by Indonesian Institute of
Komite Audit Indonesia); Audit Committee);
4. Pengawasan terhadap Audit Eksternal (oleh Ikatan 4. External Audit Supervision (by Indonesian Institute of
Komite Audit Indonesia); Audit Committee);
5. GCG dan Compliance (oleh Ikatan Komite Audit Indonesia); 5. GCG and Compliance (by Indonesian Institute of Audit
Committee);
6. Pengawasan Informasi Keuangan (oleh Ikatan Komite 6. Financial Information Supervision (by Indonesian
Audit Indonesia); dan Institute of Audit Committee); and
7. Manajemen Risiko (oleh Ikatan Komite Audit Indonesia). 7. Risk Management (by Indonesian Institute of Audit
Committee).
Yozef Abdulrachman 1. Menyusun Program Pelatihan Kerja (oleh Lembaga 1. Preparing Job Training Program (by Profession
Anggota Sertifikasi Profesi – Instruktur Kompeten Indonesia); Certification Institute-Indonesia Competent Instructor);
Member 2. Merencanakan Penyajian Materi Pelatihan Kerja (oleh 2. Planning the Presentation of Job Training Material
Lembaga Sertifikasi Profesi – Instruktur Kompeten Indonesia); (Profession Certification Institute-Indonesia Competent
Instructor);
3. Merencanakan Evaluasi Hasil Pembelajaran (oleh Lembaga 3. Planning the Learning Outcomes Evaluation (by
Sertifikasi Profesi – Instruktur Kompeten Indonesia); Profession Certification Institute-Indonesia Competent
4. Melaksanakan Pelatihan Tatap Muka (Face to Face) Instructor);
(oleh Lembaga Sertifikasi Profesi – Instruktur Kompeten 4. Conducting a Face to Face Training (by Profession
Indonesia); Certification Institute-Indonesia Competent Instructor);
5. Menerapkan Kesehatan dan Keselamatan Kerja (K3) di 5. Implementing Occupational Health and Safety (OHS)
Lembaga Pelatihan Kerja (oleh Lembaga Sertifikasi Profesi in Job Training Institution (by Profession Certification
– Instruktur Kompeten Indonesia); Institute-Indonesia Competent Instructor);
6. Mengelola Pemenuhan Persyaratan Bahasa, Literasi, dan 6. Managing the Language, Literacy, and Numeracy
Berhitung dalam Proses Pembelajaran (oleh Lembaga Requirements in Learning Process (by Profession
Sertifikasi Profesi – Instruktur Kompeten Indonesia); Certification Institute-Indonesia Competent Instructor);
7. Menilai Kemajuan Kompetensi Peserta Pelatihan secara 7. Individually Assessing Competency Progress of Training
Individu (oleh Lembaga Sertifikasi Profesi – Instruktur Participants (by Profession Certification Institute-
Kompeten Indonesia); Indonesia Competent Instructor);
8. Menentukan Kebutuhan Pelatihan Individu (oleh Lembaga 8. Determining Individual Needs of Training Participants (by
Sertifikasi Profesi – Instruktur Kompeten Indonesia); Profession Certification Institute-Indonesia Competent
Instructor);
9. Merancang Strategi Pembelajaran (oleh Lembaga 9. Designing Learning Strategies (by Profession Certification
Sertifikasi Profesi – Instruktur Kompeten Indonesia); Institute-Indonesia Competent Instructor);
10. Mengelola Bahan Pelatihan Kerja (oleh Lembaga Sertifikasi 10. Managing Job Training Materials (by Profession
Profesi – Instruktur Kompeten Indonesia); Certification Institute-Indonesia Competent Instructor);
11. Mengelola Peralatan Pelatihan Kerja (oleh Lembaga 11. Managing Job Training Equipment (by Profession
Sertifikasi Profesi – Instruktur Kompeten Indonesia); Certification Institute-Indonesia Competent Instructor);
12. Menyiapkan Pelaksanaan Pelatihan/Asesmen Berbasis 12. Preparing the Competency-Based Training/Assessment
Kompetensi (oleh Lembaga Sertifikasi Profesi – Instruktur (by Profession Certification Institute-Indonesia
Kompeten Indonesia); Competent Instructor);
13. Melaksanakan Pelatihan Berbasis Kompetensi (PBK) 13. Conducting the Competency-Based Training (CBT) (by
(oleh Lembaga Sertifikasi Profesi – Instruktur Kompeten Profession Certification Institute-Indonesia Competent
Indonesia); dan Instructor); and
14. Melakukan Asesmen Berbasis Kompetensi (oleh Lembaga 14. Conducting the Competency-Based Assessment (by
Sertifikasi Profesi – Instruktur Kompeten Indonesia). Profession Certification Institute
Komite Nominasi dan Remunerasi Nomination and Remuneration Committee
Komite Nominasi dan Remunerasi membantu Dewan Komisaris The Nomination and Remuneration Committee assists the Board
dalam mengawasi kebijakan nominasi dan remunerasi untuk of Commissioners in overseeing nomination and remuneration
anggota Dewan Komisaris dan Direksi. Pembentukan komite policies for members of the Board of Commissioners and Board of
juga bertujuan memastikan pelaksanaan tugas penerapan tata Directors. The committee establishment also aims to ensure the
kelola Dewan Komisaris dan memenuhi persyaratan dari otoritas implementation of the Board of Commissioners’ governance duties
pengawas Bank. and fulfill the requirements of the Bank’s supervisory authority.
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Tata Kelola Perusahaan
Good Corporate Governance
Pedoman Komite Nominasi dan Remunerasi Nomination and Remuneration Committee
Charter
Pelaksanaan tugas Komite Nominasi dan Remunerasi mengacu The implementation of the Nomination and Remuneration
pada Pedoman Kerja Komite Nominasi dan Remunerasi Committee’s duties refers to the Nomination and Remuneration
yang dimutakhirkan melalui Keputusan Dewan Komisaris Committee Charter which were updated through Board of
No. 003/SK-KOM/09/18 tanggal 20 September 2018 tentang Commissioners’ Decision No. 003/SK-KOM/09/18 dated
Pedoman Komite Nominasi dan Remunerasi PT Bank Victoria 20 September 2018 on Guidelines of Nomination and
International Tbk. Remuneration Committee of PT Bank Victoria International Tbk.
Tugas dan Tanggung Jawab Komite Nominasi dan Duties and Responsibilities of Nomination and
Remunerasi Remuneration Committee
Tugas dan tanggung jawab Komite Nominasi dan Remunerasi Duties and responsibilities of the Nomination and Remuneration
sebagai berikut: Committee are as follows:
1. Kebijakan Nominasi: 1. Nomination Policy:
a. Menyusun dan merekomendasikan sistem dan prosedur a. To prepare and recommend system and procedure
pemilihan atau penggantian anggota Dewan Komisaris of selection or replacement of members of Board of
dan Direksi kepada Dewan Komisaris untuk disampaikan Commissioners and Board of Directors to the Board of
kepada RUPS; Commissioners to be proposed to the GMS;
b. Memberikan rekomendasi tentang calon anggota Dewan b. To give recommendations about the candidates for the
Komisaris dan/atau Direksi kepada Dewan Komisaris Board of Commissioners and/or Board of Directors to the
untuk disampaikan kepada RUPS; Board of Commissioners to be proposed to the GMS;
c. Memberikan rekomendasi kepada Dewan Komisaris c. To give recommendations to the Board of Commissioners
mengenai pihak independen yang akan menjadi anggota on independent party who will become member of Audit
Komite Audit serta anggota Komite Pemantau Risiko; dan Committee and member of Risk Monitoring Committee; and
d. Menyusun mekanisme dan melakukan penilaian kinerja d. To develop mechanisms and assess the performance of
Direksi dan Dewan Komisaris. the Board of Directors and Board of Commissioners.
2. Kebijakan Remunerasi: 2. Remuneration Policy:
a. Menyusun dan mengevaluasi remunerasi untuk anggota a. To prepare and evaluate remuneration for members of the
Dewan Komisaris, Direksi, dan Pejabat Eksekutif hingga 1 Board of Commissioners, Board of Directors, and Executive
(satu) tingkat di bawah Direksi; Officers up to 1 (one) level below the Board of Directors;
b. Memberikan rekomendasi kepada Dewan Komisaris b. To give recommendations to the Board of Commissioners
mengenai kebijakan remunerasi untuk Dewan Komisaris on remuneration policy for the Board of Commissioners
dan Direksi yang akan disampaikan kepada RUPS, serta and Board of Directors to be proposed to the GMS, and
kebijakan remunerasi untuk Pejabat Eksekutif hingga 1 remuneration policy for Executive Officers up to 1 (one)
(satu) tingkat di bawah Direksi yang akan disampaikan level below the Board of Directors to be proposed to the
kepada Direksi; dan Board of Directors; and
c. Dalam pelaksanaan tugas remunerasi, memperhatikan c. In performing remuneration duty, consider financial
kinerja keuangan, pemenuhan cadangan sesuai peraturan performance, fulfillment of reserve in accordance with
perundang-undangan, prestasi kerja individu, kewajaran laws and regulations, individual work achievement,
dengan peer group, dan pertimbangan terhadap sasaran fairness with peer group, and consideration of the Bank’s
dan strategi jangka panjang Bank. long-term goals and strategies.
3. Tugas Lainnya: 3. Other Duties:
a. Membantu Dewan Komisaris dalam memberikan a. To assist the Board of Commissioners in giving
rekomendasi tentang jumlah anggota Dewan Komisaris recommendations about the number of members of the
dan Direksi; dan Board of Commissioners and Board of Directors; and
b. Membantu Direksi dalam mengevaluasi sistem Human b. To assist the Board of Directors in evaluating the Human
Capital Management & General Affair, serta kebijakan Capital Management & General Affair system, and human
pengembangan sumber daya manusia, termasuk capital development policy, including recruitment,
rekrutmen, asesmen, peningkatan kompetensi, evaluasi, assessment, competency development, evaluation,
promosi, demosi, terminasi, suksesi, seleksi, dan tugas promotion, demotion, termination, succession, selection,
lainnya. and other duties.
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Komposisi dan Masa Jabatan Komite Nominasi Composition and Term of Office of the
dan Remunerasi Nomination and Remuneration Committee
Anggota Komite Nominasi dan Remunerasi Bank minimal terdiri Members of the Bank’s Nomination and Remuneration
dari seorang Komisaris Independen, seorang Komisaris, dan Committee consist of at least one Independent Commissioner,
seorang Pejabat Eksekutif yang membawahi Divisi Human Capital one Commissioner, and an Executive Officer in charge of the
Management. Masa jabatan Komite Nominasi dan Remunerasi Human Capital Management Division. The term of office of the
tidak boleh lebih lama dari masa jabatan Dewan Komisaris dan Nomination and Remuneration Committee cannot be longer
dapat dipilih kembali untuk periode berikutnya. than the term of office of the Board of Commissioners and can be
re-elected for the next period.
Pada tahun 2023, jumlah dan komposisi Komite Nominasi In 2023, the number and composition of Bank Victoria’s
dan Remunerasi Bank Victoria berdasarkan Keputusan Direksi Nomination and Remuneration Committee were based on Board
No. 002C/DIR-EKS/11/22 tanggal 9 November 2022, sebagai of Directors’ Decision Letter No. 002C/DIR-EKS/11/22 dated
berikut: 9 November 2022, as follows:
Nama Posisi di Komite Jabatan di Bank Keahlian
Name Position in the Committee Position at the Bank Expertise
Gunawan Tenggarahardja Ketua Komisaris/Komisaris Independen Perbankan
Chairperson Commissioner/Independent Commissioner Banking
Sia Leng Ho Anggota Komisaris Bisnis
Member Commissioner Business
Syahda Candra Anggota Kepala Divisi Human Capital Management & General Affair Human Capital
Member Head of Human Capital Management & General Affair Division
Profil Komite Nominasi dan Remunerasi
Nomination and Remuneration Committee’s Profile
GUNAWAN TENGGARAHARDJA SIA LENG HO
Ketua Anggota
Chairperson Member
Dasar Hukum Penunjukkan dan Periode Menjabat Dasar Pengangkatan
Basis of Appointment and Term of Office
Keputusan Direksi No. 002C/DIR-EKS/11/22 tanggal 9 November 2022 (2022-Sekarang).
Board of Directors’ Decision No. 002C/DIR-EKS/11/22 dated 9 November 2022 (2022-Now).
Profil dapat dilihat pada profil Dewan Komisaris.
Profile can be seen in the Board of Commissioners’ profile chapter.
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Tata Kelola Perusahaan
Good Corporate Governance
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
Keputusan Direksi No. 002C/DIR-EKS/11/22 tanggal Board of Directors’ Decision No. 002C/DIR-EKS/11/22
SYAHDA CANDRA 9 November 2022 (2022-Sekarang). dated 9 November 2022 (2022-Now).
Riwayat Pendidikan Education
Anggota
Sarjana Psikologi dari Universitas Persada Indonesia Bachelor of Psychology from Persada Indonesia YAI
Member
YAI, Jakarta (1998). University, Jakarta (1998).
Rangkap Jabatan Concurrent Positions
Kewarganegaraan Di dalam Bank Victoria: In Bank Victoria:
Nationality Kepala Divisi Human Capital Management & General Head of Human Capital Management & General Affair
Indonesia / Indonesian Affair Bank Victoria (sejak 2019). Division of Bank Victoria (since 2019).
Tempat Lahir Di luar Bank Victoria: Outside of Bank Victoria:
Place of Birth Tidak ada. None.
Jakarta
Riwayat Jabatan History of Position
Usia • Senior Staff Human Resource Department • Senior Staff of Human Resource Department
Age (Recruitment and Man Power) PT Bank Ekonomi (Recruitment and Manpower) of PT Bank Ekonomi
50 tahun / years old Rahardja (1997-2000); Rahardja (1997-2000);
• Assistant Manager Human Resource Department • Assistant Manager of Human Resource Department
Domisili
PT Hawaii Confectionery Factory (2001-2002); of PT Hawaii Confectionery Factory (2001-2002);
Domicile
• Supervisor Human Resource Department • Supervisor of Human Resource Department of
Jakarta
PT JS Multi Collection (2002-2003); dan PT JS Multi Collection (2002-2003); and
• Menjabat di Bank Victoria sebagai: • Held positions at Bank Victoria as:
› Kepala Divisi Human Resource and General Affair a. Head of Human Resources and General Affair
(2003-2012); Division (2003-2012);
› Kepala Divisi Human Capital Management b. Head of Human Capital Management Division
(2012-2017); dan (2012-2017); and
• Kepala Divisi Human Resource and General Affair • Head of Human Resources and General Affair
(2019). Division (2019).
Sertifikasi Certification
Sertifikasi bidang Manajemen Risiko Perbankan Level Certification in Banking Risk Management Level 3 from the
3 dari Lembaga Sertifikasi Profesi Perbankan (2021- Banking Professional Certification Institute (2021-2023).
2023).
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Does not have any affiliation with members of Board
Dewan Komisaris, anggota Direksi, serta Pemegang of Commissioners, members of Board of Directors, and
Saham Utama dan Pengendali. Main and Controlling Shareholders.
Independensi Komite Nominasi dan Remunerasi Independency of Nomination and Remuneration
Committee
Komite Nominasi dan Remunerasi Bank telah memenuhi aspek The Bank’s Nomination and Remuneration Committee has
independensi berikut: fulfilled the following independency aspects:
1. Tidak memiliki hubungan keuangan dengan Dewan Komisaris, 1. Does not have financial relationship with the Board of
Direksi, serta Pemegang Saham Utama dan Pengendali; Commissioners, Board of Directors, and Main and Controlling
Shareholders;
2. Tidak memiliki hubungan kepemilikan saham di Bank, baik 2. Does not have share ownership relationship in the Bank,
secara langsung maupun tidak langsung; either directly or indirectly;
3. Tidak memiliki hubungan kepengurusan di Bank, Entitas 3. Does not have management relationship in the Bank,
Anak, maupun perusahaan afiliasi; Subsidiary, and affiliated company;
4. Tidak memiliki hubungan keluarga dengan Dewan Komisaris, 4. Does not have family relationship with the Board of
Direksi, Pemegang Saham Utama dan Pengendali, dan/atau Commissioners, Board of Directors, Main and Controlling
sesama anggota Komite Nominasi dan Remunerasi; dan Shareholders, and/or among members of Nomination and
Remuneration Committee; and
5. Tidak menjabat sebagai pengurus partai politik, pejabat, dan 5. Does not hold position as administrator of political party,
pemerintah. state, and government.
Rapat Komite Nominasi dan Remunerasi Nomination and Remuneration Committee’s
Meeting
Komite Nominasi dan Remunerasi minimal melaksanakan The Nomination and Remuneration Committee shall hold at
4 (empat) kali rapat dalam 1 (satu) tahun. Rapat dapat least 4 (four) meetings in 1 (one) year. A meeting can be held
diselenggarakan apabila dihadiri minimal 51% dari jumlah if attended by at least 51% of the total members, including an
anggota termasuk seorang Komisaris Independen dan Pejabat Independent Commissioner and Executive Officer. The frequency
Eksekutif. Frekuensi kehadiran Komite Nominasi dan Remunerasi of attendance of the Nomination and Remuneration Committee
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dalam rapat selama tahun 2023 ditunjukkan sebagai berikut: at meetings throughout 2023 is shown as follows:
Nama Jabatan Total Rapat Total Kehadiran Tingkat Kehadiran (%)
Name Position Total Meetings Total Attendance Attendance Rate (%)
Ketua
Gunawan Tenggarahardja 7 7 100.00
Chairperson
Anggota
Sia Leng Ho 7 7 100.00
Member
Anggota
Syahda Candra 7 7 100.00
Member
Agenda Rapat Komite Nominasi dan Remunerasi Nomination and Remuneration Committee’s
Meeting Agenda
Agenda yang dibahas dalam rapat Komite Nominasi dan Agenda discussed at the Nomination and Remuneration Committee’s
Remunerasi khususnya terkait penerimaan Advisor of Finance meeting is specifically related to the acceptance of Advisor of
and Accounting; evaluasi tunjangan operasional; Kebijakan Finance & Accounting; operational allowances evaluation; 2022-
Pedoman Gratifikasi/Bonus Tahun 2022-2023 bagi pengurus dan 2023 Gratification/Bonus Guidelines policy for Bank’s management
pegawai Bank untuk direkomendasikan kepada Dewan Komisaris; and employees to be recommended to the Board of Commissioners;
rekomendasi Direktur Operasional & IT; rekomendasi tunjangan recommendation for Director of Operations & IT; year-end allowances
akhir tahun bagi pengurus dan pegawai; rekomendasi SEVP of recommendation for management and employees; recommendation
Finance, Accounting & MIS; dan evaluasi komposisi Direksi dan for SEVP of Finance, Accounting & MIS; and the evaluation of
Pejabat Eksekutif. composition of the Board of Directors and Executive Officers.
Laporan Singkat Pelaksanaan Kegiatan Komite Brief Report on Implementation of Nomination
Nominasi dan Remunerasi Tahun 2023 and Remuneration Committee’s Activities in 2023
Selain menyelenggarakan rapat secara berkala, Komite Nominasi In addition to holding regular meetings, the Nomination and
dan Remunerasi telah berhasil menjalankan program-program Remuneration has managed to implemented the committee’s
komite melalui serangkaian kegiatan sebagai berikut: programs as follows:
1. Melakukan penerimaan Advisor of Finance and Accounting; 1. Conducting acceptance of Advisor of Finance and Accounting;
2. Mengevaluasi tunjangan operasional bagi Direksi dan SEVP; 2. Evaluating the operational allowances for the Board of
Directors and SEVP;
3. Menelaah Kebijakan Pedoman Gratifikasi/Bonus Tahun 3. Reviewing the 2022-2023 Gratification/Bonus Guidelines
2022-2023 bagi pengurus dan pegawai Bank untuk policy for Bank’s management and employees to be
direkomendasikan kepada Dewan Komisaris; recommended to the Board of Commissioners;
4. Memberikan rekomendasi Direktur Operasional & IT; 4. Providing recommendation for Director of Operations & IT;
5. Memberikan rekomendasi tunjangan akhir tahun bagi 5. Providing year-end allowances recommendation for
pengurus dan pegawai; dan management and employees; and
6. Memberikan rekomendasi SEVP of Finance, Accounting & MIS. 6. Providing recommendation for SEVP of Finance, Accounting
& MIS.
Pelatihan dan/atau Peningkatan Komite Nomination and Remuneration Committee’s
Nominasi dan Remunerasi Training and/or Development Programs
Selama tahun 2023, Komite Nominasi dan Remunerasi telah Throughout 2023, the Nomination and Remuneration Committee
mengikuti pelatihan dan/atau peningkatan kompetensi sebagai attended training and/or competency developments as follows:
berikut:
Nama dan Jabatan Materi Pelatihan dan Penyelenggara
Name and Position Training Materials and Organizers
Gunawan Tenggarahardja Pelatihan dan/atau Peningkatan dapat dilihat pada bagian Training and/or Development can be seen in the Board of
Ketua Pelatihan dan/atau Peningkatan Dewan Komisaris. Commissioners’ Training and/or Development section.
Chairperson
Sia Leng Ho
Anggota
Member
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Tata Kelola Perusahaan
Good Corporate Governance
Nama dan Jabatan Materi Pelatihan dan Penyelenggara
Name and Position Training Materials and Organizers
Syahda Candra 1. Outlook Industri Jasa Keuangan di Tahun 2023 (oleh 1. 2023 Financial Services Industry (by Otoritas Jasa
Anggota Otoritas Jasa Keuangan Institute); Keuangan Institute);
Member 2. Tren Perbankan di Tahun 2023 (oleh Otoritas Jasa 2. 2023 Banking Trends (by Otoritas Jasa Keuangan
Keuangan Institute); Institute);
3. Team Building dan Outbond: Together We Growth (oleh 3. Team Building dan Outbond: Together We Growth (by
Otoritas Jasa Keuangan Institute); Otoritas Jasa Keuangan Institute);
4. Philosophy that Flows in My Soul (oleh Bank Victoria); 4. Philosophy that Flows in My Soul (by Bank Victoria);
5. Governance, Risk, and Compliance (oleh Bank Victoria); 5. Governance, Risk, and Compliance (by Bank Victoria);
6. Lesson Learned Kasus Silicon Valley Bank (oleh Lembaga 6. Lesson Learned from the Case of Silicon Valley Bank (by
Pengembangan Perbankan Indonesia); Indonesian Banking Development Institution);
7. ISO 27001 - Sistem Manajemen Keamanan Informasi 7. ISO 27001 – Information Security Management System
(oleh Veda Praxis); (by Veda Praxis);
8. Refreshment Sertifikasi Manajemen Risiko: Risk in Digital 8. Risk Management Certification Refreshment: Risk in
World (oleh PT Efektifpro Knowledge Source); Digital World (by PT Efektifpro Knowledge Source);
9. Expert Sharing Outlook Banking Regulation (oleh 9. Expert Sharing Outlook Banking Regulation (by
Lembaga Pengembangan Perbankan Indonesia); Indonesian Banking Development Institution);
10. Aspek Hukum dan Dokumen Pembukaan Rekening 10. Legal Aspect and Documents for Opening a Corporate
Perusahaan (oleh Bank Victoria); Account (by Bank Victoria);
11. Anti Fraud Management for Leaders Batch 2 (oleh 11. Anti-Fraud Management for Leaders Batch 2 (by
PT Kanatta Daya Indonesia); PT Kanatta Daya Indonesia);
12. Refreshment Pencegahan Tindak Pidana Pencucian 12. Refreshment on Prevention of Criminal Acts of Anti
Uang, Pencegahan Pendanaan Terorisme dan Money Laundering, Counter Terrorism Financing, and
Pencegahan Pendanaan Proliferasi Senjata Pemusnah Prevention of Funding for Proliferation of Weapons of
Massal berdasarkan Peraturan Otoritas Jasa Keuangan Mass Destruction based on Financial Services Authority
No. 8 Tahun 2023 (oleh PT Andara Sarana); Regulation No. 8 of 2023 (by PT Andara Sarana);
13. Expert Sharing Session - Keuangan Berkelanjutan (oleh 13. Expert Sharing Session - Sustainable Finance (by Otoritas
Otoritas Jasa Keuangan Institute); Jasa Keuangan Institute);
14. Mastering Yourself: Optimalkan Potensi dan Tingkatkan 14. Mastering Yourself: Optimizing Potentials and Improving
Kinerja di Era Digital Confirmation (oleh Otoritas Jasa Performances in the Digital Confirmation Era (by Otoritas
Keuangan Institute); dan Jasa Keuangan Institute); and
15. OJK’s Year-End Knowledge Sharing Session (oleh Otoritas 15. OJK’s Year-End Knowledge Sharing Session (by Otoritas
Jasa Keuangan Institute). Jasa Keuangan Institute).
Komite Audit Audit Committee
Komite Audit dibentuk untuk mendukung Dewan Komisaris The Audit Committee is established to assist the Board of
dalam melakukan pengawasan yang efektif dan independen Commissioners in performing effective and independent
terhadap pencatatan keuangan, manajemen risiko, pengendalian supervision of financial records, risk management, internal
internal, serta memantau kepatuhan terhadap peraturan dan control, and monitoring compliance with the applicable laws and
undang-undang yang berlaku. regulations.
Pedoman Komite Audit Audit Committee Charter
Pelaksanaan tugas Komite Audit mengacu pada Piagam Komite The implementation of Audit Committee’s duties is based on
Audit yang dimutakhirkan melalui Keputusan Dewan Komisaris the Audit Committee Charter which was updated under the
No. 001/SK-KOM/12/23 tanggal 6 Desember 2023 tentang Board of Commissioners’ Decision No. 001/SK-KOM/12/23 dated
Piagam dan Pedoman Kerja Komite Audit PT Bank Victoria 6 December 2023 on the Charter and Work Guidelines of the
International Tbk. Audit Committee of PT Bank Victoria International Tbk.
Tugas dan Tanggung Jawab Komite Audit Duties and Responsibilities of Audit Committee
Tugas dan tanggung jawab Komite Audit sebagai berikut: Duties and responsibilities of the Audit Committee are as follows:
1. Melakukan penelaahan dan klarifikasi atas informasi 1. Reviewing and clarifying the financial information to be
keuangan yang akan dikeluarkan kepada publik dan/atau issued to the public and/or authorities;
pihak otoritas;
2. Melakukan seleksi, penunjukan, dan pengawasan pekerjaan 2. Selecting, appointing, and monitoring independent auditor’s
auditor independen; work;
3. Mengevaluasi efektivitas pelaksanaan pekerjaan auditor 3. Evaluating the effectiveness of implementation of
independen; independent auditor function;
4. Melakukan seleksi, penunjukan, dan pengawasan pekerjaan 4. Selecting, appointing, and monitoring Independent Auditor’s
Auditor Independen terkait kinerja SKAI & Anti Fraud 3 (tiga) work related to triennial SKAI & Anti-Fraud performances;
tahunan; 5. Evaluating the effectiveness of implementation of internal
5. Mengevaluasi efektivitas pelaksanaan fungsi audit internal; audit function;
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6. Mengevaluasi efektivitas pengendalian internal; 6. Evaluating the effectiveness of internal control;
7. Memastikan kegiatan operasi bank dijalankan dengan 7. Ensuring the bank’s operational activities are carried out in
mematuhi peraturan perundang-undangan yang berlaku; compliance with the applicable laws and regulations;
8. Melakukan koordinasi dengan Komite Manjemen Risiko 8. Coordinating with the Risk Management Committee in risk
dalam hal pemantauan risiko dan mitigasinya; dan monitoring and mitigation; and
9. Melakukan penilaian sendiri terhadap efektivitas pelaksanaan 9. Conducting self-assessment on the effectiveness of
tugas Komite Audit. implementation of Audit Committee’s duties.
Komposisi dan Masa Jabatan Komite Audit Composition and Term of Office of the Audit
Committee
Anggota Komite Audit Bank minimal terdiri dari seorang Komisaris The Audit Committee consists of at least one Independent
Independen sebagai Ketua dan 2 (dua) orang pihak independen Commissioner as Chairman and 2 (two) independent parties
dengan kompetensi dan kualifikasi di bidang keuangan, hukum, with competencies and qualifications in finance, legal, and
dan perbankan. Masa jabatan anggota Dewan Komisaris yang banking. The term of office of Board of Commissioners’
merangkap sebagai anggota Komite Audit sama dengan masa members who concurrently serve as member of Audit Committee
kerja penunjukannya sebagai anggota Dewan Komisaris yang are the same as the term of office of the appointment as the
ditentukan oleh RUPS. Sedangkan, masa jabatan anggota Board of Commissioners’ members as determined by the GMS.
Komite Audit yang bukan merupakan anggota Dewan Komisaris Meanwhile, Audit Committee’s members who are not Board of
tidak lebih lama dari masa jabatan Dewan Komisaris dengan Commissioners’ members have the term of office not longer than
tidak mengurangi hak Dewan Komisaris untuk memberhentikan the Board of Commissioners’ term of office, without prejudice to
sewaktu-waktu. the Board of Commissioners’ rights to dismiss them at any time.
Pada tahun 2023, jumlah dan komposisi Komite Audit Bank In 2023, the number and composition of Bank Victoria’s Audit
Victoria berdasarkan Keputusan Direksi No. 002A/SK-DIR/11/22 Committee based on Board of Directors’ Decision Letter
tanggal 9 November 2022, sebagai berikut: No. 002A/SK-DIR/11/22 dated 9 November 2022, were as follows:
Nama Posisi di Komite Jabatan di Bank Keahlian
Name Position in the Committee Position at the Bank Expertise
Zaenal Abidin, Ph.D Ketua Komisaris Utama Independen Perbankan, Manajemen Risiko, dan GCG
Chairperson Independent President Commissioner Banking, Risk Management, and GCG
Medi Sejati Anggota Pihak Independen Perbankan dan Audit
Member Independent Party Banking and Audit
Yozef Abdulrachman Anggota Pihak Independen Manajemen Risiko dan Perbankan
Member Independent Party Risk Management and Banking
Ketua Komite Audit dijabat oleh Komisaris Utama Independen The Chairman of the Audit Committee is held by the
karena saat ini Bank memiliki 2 (dua) orang Komisaris Independen, Independent President Commissioner as currently the Bank has
di mana 1 (satu) orang Komisaris Independen sebagai Ketua 2 (two) Independent Commissioners, where 1 (one) Independent
Komite Audit (Peraturan Otoritas Jasa Keuangan No. 17 Commissioner held the position as Chairman of the Audit
Pasal 64 ayat 4) dan 1 (satu) orang Komisaris Independen lainnya Committee and the other held the position as Chairman of Risk
sebagai Ketua Komite Pemantau Risiko (Peraturan Otoritas Monitoring Committee (Financial Services Authority Regulation
Jasa Keuangan No. 17 Pasal 65 ayat 4). Meski demikian, Bank No. 17 Article 65 paragraph 4). However, the Bank guarantees the
menjamin independensi Ketua Komite Audit dalam menjalankan independence of the Audit Committee’s Chairman in performing
tugas dan tanggung jawabnya sebagai Ketua Komite Audit. duties and responsibilities as Chairman of Audit Committee.
Profil Komite Audit Audit Committee’s Profile
Profil Ketua Komite Audit dapat dilihat pada profil Dewan Profile of Audit Committee’s Chairman can be seen in the Board
Komisaris dan profil anggota Komite Audit dapat dilihat pada of Commissioners’ profile, and Audit Committee members’
profil Komite Pemantau Risiko. profile can be seen in the Risk Monitoring Committee’s profile.
Independensi Komite Audit Independency of the Audit Committee
Komite Audit Bank telah memenuhi aspek independensi berikut: The Bank’s Audit Committee has fulfilled the following
independency aspects:
1. Tidak memiliki hubungan keuangan dengan Dewan Komisaris, 1. Does not have financial relationship with the Board of
Direksi, serta Pemegang Saham Utama dan Pengendali; Commissioners, Board of Directors, and Main and Controlling
Shareholders;
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Tata Kelola Perusahaan
Good Corporate Governance
2. Tidak memiliki hubungan kepemilikan saham di Bank, baik 2. Does not have share ownership relationship in the Bank,
secara langsung maupun tidak langsung; either directly or indirectly;
3. Tidak memiliki hubungan kepengurusan di Bank, Entitas 3. Does not have management relationship in the Bank,
Anak, maupun perusahaan afiliasi; Subsidiary, and affiliated company;
4. Tidak memiliki hubungan keluarga dengan Dewan Komisaris, 4. Does not have family relationship with the Board of
Direksi, Pemegang Saham Utama dan Pengendali, dan/atau Commissioners, Board of Directors, Main and Controlling
sesama anggota Komite Audit; dan Shareholders, and/or among members of Audit Committee; and
5. Tidak menjabat sebagai pengurus partai politik, pejabat, dan 5. Does not hold position as administrator of political party,
pemerintah. state, and government.
Rapat Komite Audit Audit Committee’s Meeting
Berdasarkan Peraturan Otoritas Jasa Keuangan No. 17 Tahun Based on the Financial Services Authority Regulation
2023, Komite Audit minimal melaksanakan rapat 1 (satu) bulan No. 17 of 2023, the Audit Committee holds meeting at least once
sekali yang dipimpin langsung oleh Ketua Komite Audit. Rapat a month, chaired directly by the Chairman of Audit Committee.
dapat diselenggarakan apabila dihadiri minimal 51% dari jumlah A meeting can be held if attended by at least 51% of the
anggota termasuk seorang Komisaris Independen dan pihak total members, including an Independent Commissioner and
independen. Frekuensi kehadiran Komite Audit dalam rapat independent party. The frequency of attendance of the Audit
selama tahun 2023 ditunjukkan sebagai berikut: Committee at meetings throughout 2023 is shown as follows:
Nama Jabatan Total Rapat Total Kehadiran Tingkat Kehadiran (%)
Name Position Total Meetings Total Attendance Attendance Rate (%)
Ketua
Zaenal Abidin, Ph.D 9 9 100.00
Chairperson
Anggota
Medi Sejati 9 9 100.00
Member
Anggota
Yozef Abdulrachman 9 9 100.00
Member
Agenda Rapat Komite Audit Audit Committee’s Meeting Agenda
Agenda yang dibahas dalam rapat Komite Audit khususnya terkait Agenda discussed at the Audit Committee’s meeting was
realisasi rencana kerja SKAI, exit meeting audit oleh kantor specifically related to the realization of the SKAI work plan, audit
akuntan publik, evaluasi risk register, kick off meeting oleh exit meeting by the public accounting firm, risk register evaluation,
kantor akuntan publik, dan penerapan Peraturan Otoritas Jasa kick off meeting by the public accounting firm, and implementation
Keuangan No. 17 Tahun 2023. of Financial Services Authority Regulation No. 17 of 2023.
Laporan Singkat Pelaksanaan Kegiatan Komite Brief Report on Implementation of Audit
Audit Tahun 2023 Committee’s Activities in 2023
Selain menyelenggarakan rapat secara berkala, Komite Audit In addition to holding regular meetings, the Audit Committee
telah berhasil menjalankan program-program komite melalui managed to implement committee programs through a series of
serangkaian kegiatan sebagai berikut: activities as follows:
1. Melakukan penelaahan dan pengkajian atas Laporan 1. Reviewing and studying the Quarterly Financial Reports;
Keuangan Triwulanan;
2. Mengevaluasi realisasi penggunaan jasa audit atas informasi 2. Evaluating the realization of audit services on financial
keuangan oleh kantor akuntan publik/akuntan publik; information by public accounting firm/public accountant;
3. Mengevaluasi efektivitas pelaksanaan fungsi internal audit 3. Evaluating the effectiveness of implementation of the
(SKAI & Anti Fraud); internal audit function (SKAI & Anti-Fraud);
4. Menelaah efektivitas dan efisiensi pengendalian internal 4. Reviewing the effectiveness and efficiency of quarterly
triwulanan; internal control;
5. Menelaah kepatuhan terhadap peraturan perundang- 5. Reviewing the compliance with laws and regulations;
undangan;
6. Menyeleksi, menunjuk atau merekomendasikan, dan 6. Selecting, appointing, or recommending and supervising
mengawasi pekerjaan Auditor Independen untuk jasa audit the Independent Auditor’s work for the service of annual
informasi keuangan tahunan; financial information audit;
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7. Menyeleksi, menunjuk atau merekomendasikan, dan 7. Selecting, appointing, or recommending and supervising
mengawasi pekerjaan Auditor Independen untuk kaji ulang the Independent Auditor’s work for the triennial review of
kinerja SKAI & Anti Fraud 3 (tiga) tahunan; SKAI & Anti-Fraud performances;
8. Meninjau ulang Piagam Komite Audit; 8. Reviewing the Audit Committee Charter;
9. Menelaah Laporan Pokok-Pokok Audit Internal (LPPAI) SKAI 9. Reviewing the SKAI Internal Audit Principles Report (LPPAI)
& Anti Fraud Semesteran; dan
10. Meninjau ulang penyusunan rencana kerja tahunan SKAI & 10. Reviewing the preparation of Annual Work Plan of SKAI &
Anti Fraud. Anti- Fraud.
Pelatihan dan/atau Peningkatan Komite Audit Audit Committee’s Training and/or
Development Programs
Informasi terkait pelatihan dan/atau peningkatan yang diikuti Information related to training and/or development programs
oleh masing-masing anggota Komite Audit dapat dilihat pada attended by each member of Audit Committee can be seen in
bagian Dewan Komisaris dan Komite Pemantau Risiko. the Board of Commissioners and Risk Monitoring Committee
sections.
Organ Pendukung Dewan Komisaris
Board of Commissioners Supporting Organ
Dalam pelaksanaan tugasnya, Dewan Komisaris dibantu oleh In performing its duties, the Board of Commissioners is assisted by a
organ di bawahnya, yaitu Sekretaris Dewan Komisaris. subordinate organ, namely Secretary of the Board of Commissioners.
Sekretaris Dewan Komisaris Secretary of the Board of Commissioners
Sekretaris Dewan Komisaris diangkat oleh Bank dan Secretary of the Board of Commissioners is appointed by the Bank
bertanggung jawab membantu administrasi Dewan Komisaris and is responsible for assisting the administration of the Board
dan mengoordinasikan kegiatan identifikasi, perencanaan, dan of Commissioners and coordinating identification, planning,
pelaksanaan strategi pengelolaan kegiatan kesekretariatan and implementation of strategy of secretariat management and
dan protokoler Dewan Komisaris. Dalam menjalankan tugasnya, Board of Commissioners’ protocols. In carrying out its duties, the
Sekretaris Dewan Komisaris langsung bertanggung jawab Secretary of the Board of Commissioners is directly responsible to
kepada Dewan Komisaris, dengan tujuan menciptakan fungsi the Board of Commissioners, with the aim of creating an effective
kesekretariatan Dewan Komisaris yang efektif dan efisien. and efficient Board of Commissioners’ secretariat function.
Tugas dan Tanggung Jawab Sekretaris Dewan Duties and Responsibilities of Board of
Komisaris Commissioners’ Secretary
Tugas dan tanggung jawab Sekretaris Dewan Komisaris sebagai Duties and responsibilities of Board of Commissioners’ Secretary
berikut: are as follows:
1. Membantu Dewan Komisaris dalam menjaga agar 1. To help the Board of Commissioners in maintaining the
pelaksanaan BOC Charter secara teknis dapat dilakukan implementation of BOC Charter technically, so that it can be
dengan tertib; conducted in an orderly manner;
2. Mengatur terselenggaranya rapat Dewan Komisaris; 2. To manage the implementation of Board of Commissioners’
meetings;
3. Menyiapkan risalah rapat untuk disahkan dalam rapat 3. To prepare minutes of meeting to be validated in the next
berikutnya; meeting;
4. Menyiapkan laporan tentang pelaksanaan keputusan rapat 4. To prepare report on the implementation of meeting
guna dikaji dalam rapat berikutnya; dan decisions in order to be reviewed in the next meeting; and
5. Menjaga kerahasiaan seluruh dokumen yang menurut 5. To maintain the confidentiality of all confidential documents.
sifatnya harus dirahasiakan.
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Tata Kelola Perusahaan
Good Corporate Governance
Komite di bawah Direksi
Board of Directors’ Subordinate Committees
Komite Manajemen Risiko Risk Management Committee
Komite Manajemen Risiko merupakan komite eksekutif di bawah The Risk Management Committee is an executive committee
Direksi yang dibentuk untuk memastikan efektivitas kerangka under the Board of Directors which was formed to increase
kerja manajemen risiko dan implementasi dalam mendukung the effectiveness of the process implementation and risk
strategi bisnis. Komite Manajemen Risiko juga bertanggung management system according to the scale and complexity
jawab untuk mengevaluasi dan merekomendasikan kebijakan of the Bank’s business. The Risk Management Committee also
manajemen risiko, strategi, risk appetite, risk tolerance, limit responsible to evaluate and recommend risk management
risiko, kerangka kerja manajemen risiko, dan rencana kontingensi policies, strategies, risk appetite, risk tolerance, risk limits, risk
untuk mengantisipasi kondisi abnormal, serta memastikan management framework, and contingency plan to anticipate any
eksposur risiko untuk semua jenis risiko di Bank tetap sesuai abnormal conditions, as well as ensuring all risk exposure for all
dengan risk appetite. types of risk at the Bank are in line with risk appetite.
Pedoman Komite Manajemen Risiko Risk Management Committee Charter
Pelaksanaan tugas Komite Manajemen Risiko mengacu pada The implementation of the Risk Management Committee’s
Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2016 duties refers to Financial Services Authority Regulation
tanggal 22 Maret 2016 tentang Penerapan Manajemen Risiko No. 18/POJK.03/2016 dated 22 March 2016 on Risk Management
bagi Bank Umum, Surat Edaran Otoritas Jasa Keuangan Implementation for Commercial Banks, Financial Services
No. 34/SEOJK.03/2016 tanggal 1 September 2016 tentang Authority Circular No. 34/SEOJK.03/2016 dated 1 September
Penerapan Manajemen Risiko bagi Bank Umum, Peraturan 2016 on Risk Management Implementation for Commercial
Otoritas Jasa Keuangan No. 17 Tahun 2023 tentang Tata Kelola Banks, Financial Services Authority Regulation No. 17 of
bagi Bank Umum, dan Surat Edaran Otoritas Jasa Keuangan 2023 on Governance for Commercial Banks, and Financial
No. 13/SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Bank Services Authority Circular Letter No. 13/SEOJK.03/2017 on
Umum. Implementation of Governance for Commercial Banks.
Pernyataan Independensi Komite Manajemen Statement of Independence of Risk Management
Risiko Committee
Komite Manajemen Risiko bertindak secara independen, mandiri, The Risk Management Committee acts independently,
dan profesional, serta menjalankan tugas dan tanggung jawabnya individually, and professionally, and carries out its duties and
tanpa adanya benturan kepentingan atau pengaruh dari pihak responsibilities without any conflict of interest or influence from
manapun. any party.
Tugas dan Tanggung Jawab serta Realisasi Duties, Responsibilities, and the Realization of Risk
Pelaksanaan Tugas Komite Manajemen Risiko Management Committee Duties
Selama tahun 2023, Komite Manajemen Risiko telah Throughout 2023, the Risk Management Committee performed
melaksanakan tugas dan tanggung jawabnya, yang meliputi: its duties and responsibilities, including:
1. Menyusun dan menyetujui kebijakan, strategi, dan pedoman 1. Preparing and approving the Bank’s risk management
penerapan manajemen risiko Bank, termasuk strategi policies, strategies and implementation guidelines, including
kerangka kerja, metodologi, sistem, dan tools pengelolaan the strategies’ framework, methodology, system and risk
risiko termasuk rencana-rencana kontingensi dan management tools as well as contingency plans and ensuring
memastikan penerapannya yang meliputi semua jenis risiko; that the implementation covers all types of risks
2. Melakukan penyempurnaan proses manajemen risiko secara 2. Improving the risk management process, both periodically or
berkala maupun bersifat insindental sebagai akibat dari suatu incidental as result of changes in the external and internal
perubahan kondisi eksternal dan internal yang memengaruhi conditions affecting the capital adequacy, risk profile, and
kecukupan permodalan, profil risiko, dan tidak efektifnya ineffective implementation of risk management based on
penerapan manajemen risiko berdasarkan hasil evaluasi; evaluation results;
3. Melakukan pengembangan atas penerapan budaya risiko 3. Developing the implementation of risk culture for each
untuk setiap jenjang organisasi; organizational level;
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4. Mengevaluasi dan menyesuaikan Kebijakan dan Pedoman 4. Evaluating and adjusting the Risk Management Policy and
Umum Penerapan Manajemen Risiko dengan kebijakan General Guidelines to regulatory policies, which are adjusted
otoritas yang disesuaikan dengan ukuran dan kompleksitas to the Bank’s business size and complexity and the risks
usaha Bank serta risiko yang melekat pada Bank; inherent in the Bank;
5. Mengevaluasi arah, strategi, dan program manajemen risiko; 5. Evaluating risk management direction, strategy, and program;
6. Memantau implementasi Kebijakan dan Pedoman Umum 6. Monitoring the implementation of Policies and General
Penerapan Manajemen Risiko, memantau posisi risiko secara Guidelines of Risk Management Implementation,
komprehensif, mengkaji proses manajemen risiko secara monitoring the risk positions comprehensively, reviewing
berkala, mengevaluasi usulan aktivitas/produk baru, serta the risk management process periodically, evaluating any
melakukan pengungkapan manajemen risiko yang mencakup proposed new activities/products, as well as conducting
kinerja dan arah kebijakan; dan risk management disclosure that includes performance and
policy direction; and
7. Mengevaluasi kualitas penerapan manajemen risiko dan 7. Evaluating the quality of risk management implementation
perkembangan risiko-risiko yang melekat pada setiap produk and development of risks inherent to every Bank’s product
dan aktivitas Bank. and activity.
Struktur dan Keanggotaan Komite Manajemen Structure and Composition of Risk Management
Risiko Committee
Sesuai Keputusan Direksi No. 019A/SK-DIR/10/23 tanggal Pursuant to the Board of Directors’ Decision No. 019A/SK-DIR/10/23
19 Oktober 2023 tentang Pedoman Tata Tertib Risk Management dated 19 October 2023 on the Code of Conduct of Risk Management
Committe, susunan keanggotaan Komite Manajemen Risiko Committee, the membership composition of Risk Management
sebagai berikut: Committee is as follows:
1. Ketua diisi oleh Direktur Utama; 1. Chairperson held by the President Director;
2. Wakil Ketua diisi oleh Direktur Kepatuhan dan Manajemen 2. Vice Chairperson held by the Director of Compliance and Risk
Risiko; Management;
3. Sekretaris diisi oleh Kepala Divisi Manajemen Risiko; 3. Secretary held by the Head of Risk Management Division;
4. Anggota diisi oleh Direksi dan Senior Executive Vice President; 4. Members held by the Board of Directors and Senior Executive
Vice President;
5. Undangan Tetap Anggota diisi oleh Kepala Divisi SKAI & Anti 5. Permanent members held by Head of SKAI & Anti-Fraud
Fraud, Kepala Divisi IT, Kepala Divisi Treasury, Kepala Divisi Division, Head of IT Division, Head of Treasury Division, Head
Operation & Internal Control, Kepala Divisi Finance and of Operation & Internal Control Division, Head of Finance
Accounting, Kepala Divisi CMO, Kepala Divisi Kepatuhan dan and Accounting Division, Head of CMO Division, Head of
System and Procedur; dan Compliance and System and Procedure Division; and
6. Undangan Tidak Tetap diisi oleh pihak internal dan eksternal 6. Non-Permanent Members held by invited internal and
yang diundang. external parties.
Rapat Komite Manajemen Risiko Risk Management Committee’s Meeting
Kebijakan dan pelaksanaan rapat Komite Manajemen Risiko The policy and implementation of Risk Management Committee’s
diatur dalam Keputusan Direksi No. 019A/SK-DIR/10/23 meetings are regulated in the Board of Directors’ Decision
tanggal 19 Oktober 2023 tentang Pedoman dan Tata Tertib No. 019A/SK-DIR/10/23 dated 19 October 2023 on the Guidelines
Risk Management Committee. Komite Manajamen Risiko and Code of Conduct of Risk Management Committee. The Risk
menyelenggarakan rapat secara berkala minimal 3 (tiga) bulan Management Committee holds regular meeting at least once
sekali. Dalam pelaksanaanya, rapat Komite Manajemen Risiko every 3 (three) months in 1 (one) year. In its implementation, the
dapat dilaksanakan apabila dihadiri oleh minimal 51% dari Risk Management Committee meeting can be held if attended by
anggota tetap. at least 51% of the permanent members.
Pada tahun 2023, Komite Manajemen Risiko melaksanakan rapat In 2023, the Risk Management Committee held 5 (five) meetings
sebanyak 5 (lima) kali dengan tingkat kehadiran 71,00%. with an attendance rate of 71.00%.
Komite Manajemen Risiko Terintegrasi Integrated Risk Management Committee in
dalam Grup Keuangan the Financial Group
Dalam Grup Keuangan, Komite Manajemen Risiko Terintegrasi Within the Financial Group, the Integrated Risk Management
adalah komite eksekutif yang bertanggung jawab memastikan Committee is the executive committee responsible for ensuring
penerapan manajemen risiko sesuai dengan karakteristik dan the risk management implementation is in accordance with the
kompleksitas operasional Grup Keuangan Victoria. characteristics and complexity of Victoria Financial Group.
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Tata Kelola Perusahaan
Good Corporate Governance
Pedoman Komite Manajemen Risiko Terintegrasi Guidelines of Integrated Risk Management
dalam Grup Keuangan Committee in the Financial Group
Berdasarkan Surat Otoritas Jasa Keuangan No. S-66/PB.33/2021 Based on the Financial Services Authority Circular
tanggal 23 Juni 2021 tentang Perubahan Status Konglomerasi No. S-66/PB.33/2021 dated 23 June 2021 on Changes in Status
Keuangan Grup Victoria menjadi Grup Keuangan Victoria, di of Victoria Group Financial Conglomeration to Victoria Financial
mana Bank ditunjuk sebagai Entitas Koordinator. Pelaksanaan Group, in which the Bank is appointed as the Coordinating
tugas dan tanggung jawab Komite Manajemen Risiko Entity. The implementation of duties and responsibilities of the
Terintegrasi dalam Grup Keuangan tidak bertentangan dengan Integrated Risk Management Committee in Financial Group does
ketentuan Peraturan Otoritas Jasa Keuangan sepanjang not conflict with the provisions of Financial Services Authority
dinyatakan tetap berlakunya Peraturan Otoritas Jasa Keuangan Regulation as long as it states the enforcement of Financial
No. 17/POJK.03/2014 tanggal 18 November 2014 Services Authority Regulation No. 17/POJK.03/2014
tentang Penerapan Manajemen Risiko Terintegrasi bagi dated 18 November 2014 on Implementation of Integrated Risk
Konglomerasi Keuangan, Peraturan Otoritas Jasa Keuangan Management for Financial Conglomeration, Financial Services
No. 18/POJK.03/2014 tanggal 18 November 2014 tentang Authority Regulation No. 18/POJK.03/2014 dated 18 November
Penerapan Tata Kelola Terintegrasi bagi Konglomerasi Keuangan, 2014 on Implementation of Integrated Governance for Financial
dan Peraturan Otoritas Jasa Keuangan No. 26/POJK.03/2015 Conglomeration, and Financial Services Authority Regulation
tanggal 11 Desember 2015 tentang Kewajiban Penyediaan Modal No. 26/POJK.03/2015 dated 11 December 2015 on the Integrated
Minimum Terintegrasi bagi Konglomerasi Keuangan. Capital Adequacy Ratio for Financial Conglomeration.
Pernyataan Independensi Komite Manajemen Statement of Independence of Integrated Risk
Risiko Terintegrasi dalam Grup Keuangan Management Committee in the Financial Group
Komite Manajemen Risiko Terintegrasi bertindak secara The Integrated Risk Management Committee acts independently,
independen, mandiri, dan profesional, serta menjalankan tugas individually, and professionally, and carries out its duties and
dan tanggung jawabnya tanpa adanya benturan kepentingan responsibilities without any conflict of interest or influence from
atau pengaruh dari pihak manapun. any party.
Tugas dan Tanggung Jawab serta Realisasi Duties, Responsibilities, and Realization of Duties
Pelaksanaan Tugas Komite Manajemen Risiko of Integrated Risk Management Committee in
Terintegrasi dalam Grup Keuangan the Financial Group
Selama tahun 2023, Komite Manajemen Risiko Terintegrasi telah Throughout 2023, the Integrated Risk Management Committee
melaksanakan tugas dan tanggung jawabnya yang tercantum performed its duties and responsibilities as stated in Board of
dalam Surat Keputusan Direksi No. 002/SK-DIR/08/21. Tugas dan Directors’ Decision Letter No. 002/SK-DIR/08/21. The duties and
tanggung jawab tersebut meliputi: responsibilities include:
1. Mengembangkan penerapan budaya risiko secara terintegrasi 1. Developing risk culture in an integrated manner as part of
sebagai bagian dari penerapan manajemen risiko terintegrasi integrated risk management implementation in Victoria
Grup Keuangan Victoria; Financial Group;
2. Melaksanakan kebijakan manajemen risiko secara terintegrasi 2. Implementing risk management policies in an integrated
dalam Grup Keuangan Victoria yang telah ditetapkan; manner within the established Victoria Financial Group;
3. Memberikan rekomendasi serta perbaikan atau 3. Providing recommendations for improvements or refinements
penyempurnaan dalam hal penyusunan kebijakan manajemen in formulating integrated risk management policies within
risiko secara terintegrasi dalam Grup Keuangan Victoria; Victoria Financial Group;
4. Mengarahkan, menyetujui, memantau, mengevaluasi, 4. Directing, approving, monitoring, evaluating, and adjusting
dan menyesuaikan kebijakan dan/atau pedoman umum the policies and/or general guidelines on integrated risk
penerapan manajemen risiko terintegrasi dalam Grup management implementation in Victoria Financial Group in
Keuangan Victoria sesuai dengan ukuran dan kompleksitas accordance with the business size and complexity of Victoria
usaha anggota Grup Keuangan Victoria; dan Financial Group members; and
5. Mengevaluasi arah, strategi, dan program manajemen risiko 5. Evaluating the directions, strategies, and integrated risk
terintegrasi dalam Grup Keuangan Victoria. management program of Victoria Financial Group.
Struktur dan Keanggotaan Komite Manajemen Structure and Composition of Integrated Risk
Risiko Terintegrasi dalam Grup Keuangan Management Committee in the Financial Group
Berdasarkan Surat Keputusan Direksi No. 001/SK-DIR/08/21 Based on the Board of Directors’ Decision Letter
tanggal 20 Agustus 2021, struktur dan keanggotaan Komite No. 001/SK-DIR/08/21 dated 20 August 2021, the structure and
Manajemen Risiko Terintegrasi dalam Grup Keuangan Victoria composition of Integrated Risk Management Committee in the
diungkapkan sebagai berikut: Victoria Financial Group are disclosed below:
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1. Ketua (Anggota) diisi oleh Direktur Kepatuhan dan 1. Chairperson (Member) held by Director of Compliance and
Manajemen Risiko Entitas Koordinator; Risk Management of Coordinator Entity;
2. Sekretaris (Anggota) diisi oleh Kepala Divisi Risk 2. Secretary (Member) held by Head of Risk Management/
Management/Integrated Entitas Koordinator; dan Integrated Division of Coordinator Entity; and
3. Anggota diisi oleh Bank Victoria Syariah (Direktur yang 3. Members held by Bank Victoria Syariah (Director in charge
membawahi fungsi manajemen risiko, dan Unit Manajemen of risk management function, and Risk Management Unit),
Risiko), Victoria Sekuritas Indonesia (Direktur yang Victoria Sekuritas Indonesia (Director in charge of risk
membawahi fungsi manajemen risiko, dan Unit Manajemen management function, and Risk Management Unit), Victoria
Risiko), Victoria Insurance (Direktur yang membawahi fungsi Insurance (Director in charge of risk management function,
manajemen risiko, dan Pejabat Eksekutif yang memimpin and Executive Officer in charge of Risk Management Work
Satuan Kerja Manajemen Risiko), Victoria Manajemen Unit), Victoria Manajemen Investasi (Director in charge of risk
Investasi (Direktur yang membawahi fungsi manajemen risiko, management function, and Risk Management Unit), Victoria
dan Unit Manajemen Risiko), dan Victoria Alife Indonesia Alife Indonesia (Director in charge of risk management
(Direktur yang membawahi fungsi manajemen risiko, dan function, and Executive Officer in charge of Risk Management
Pejabat Eksekutif yang memimpin Satuan Kerja Manajemen Work Unit).
Risiko).
Rapat Komite Manajemen Risiko Terintegrasi Integrated Risk Management Committee’s
dalam Grup Keuangan Meeting in Financial Group
Kebijakan dan pelaksanaan rapat Komite Manajemen Risiko The policy and implementation of Integrated Risk Management
Terintegrasi dalam Grup Keuangan diatur dalam Surat Keputusan Committee’s meeting in Financial Group is regulated in the
Direksi No. 002/SK-DIR/08/21 tentang Pedoman dan Tata Tertib Board of Directors’ Decision Letter No. 002/SK-DIR/08/21 on
Kerja Komite Manajemen Risiko Grup Keuangan Victoria. Rapat Guidelines and Work Conduct of Risk Management Committee
Komite Manajemen Risiko Terintegrasi dalam Grup Keuangan of Victoria Financial Group. The Integrated Risk Management
diadakan secara berkala sekurang-kurangnya 1 (satu) kali Committee’s meeting in Financial Group is held regularly at least
setiap semester dalam setahun maupun insidental. Dalam 1 (once) every semester in a year or incidentally. In practice, a
pelaksanaannya, rapat dinyatakan kuorum apabila dihadiri meeting is declared a quorum if attended by at least 51% of the
minimal 51% dari anggota tetap. permanent members.
Pada tahun 2023, Komite Manajemen Risiko Terintegrasi In 2023, the Integrated Risk Management Committee held 2
melaksanakan rapat sebanyak 2 (dua) kali dengan tingkat (two) meetings with an attendance rate of 92.00%.
kehadiran 92,00%.
Assets and Liability Committee Assets and Liability Committee
Assets and Liabilities Committee (ALCO) adalah komite eksekutif The Assets and Liabilities Committee (ALCO) is an executive
yang membantu Direksi dalam mengoptimalkan pengelolaan committee that assists the Board of Directors in optimizing the
aset dan liabilitas. ALCO bertujuan mencapai keuntungan management of asset and liability. ALCO aims to achieve optimal
optimal dengan meminimalkan risiko sekecil mungkin. Komite profit by minimizing risk to the smallest possible level. This
ini mengoordinasikan portofolio aset dan liabilitas Bank untuk committee coordinates the Bank’s asset and liability portfolios
memaksimalkan profit dengan memperhatikan kebutuhan to maximize optimize profit with due observance of the liquidity
likuiditas. needs.
Pedoman ALCO ALCO Charter
Pelaksanaan tugas ALCO mengacu pada Surat Keputusan Direksi The implementation of ALCO’s duties refers to Board of Directors’
No. 004/SK-DIR/09/19 tentang Pedoman dan Tata Tertib Kerja Decision Letter No. 004/SK-DIR/09/19 on the Charter and Code
Assets & Liabilities Committee (ALCO). of Conduct of Assets & Liabilities Committee (ALCO).
Pernyataan Independensi ALCO Statement of Independence of ALCO
ALCO bertindak secara independen, mandiri, dan profesional, ALCO acts independently, individually, and professionally, and
serta menjalankan tugas dan tanggung jawabnya tanpa adanya carries out its duties and responsibilities without any conflict of
benturan kepentingan atau pengaruh dari pihak manapun. interest or influence from any party.
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Tata Kelola Perusahaan
Good Corporate Governance
Tugas dan Tanggung Jawab serta Realisasi Duties, Responsibilities, and the Realization of
Pelaksanaan Tugas ALCO ALCO Duties
Selama tahun 2023, ALCO telah melaksanakan tugas dan Throughout 2023, ALCO performed its duties and responsibilities,
tanggung jawabnya, yang meliputi: including:
1. Memantau dan memperhatikan struktur neraca dan 1. Monitoring and overseeing the balance sheet structure and
memaksimumkan profitabilitas; maximizing profitability;
2. Merencanakan, menetapkan, dan mengendalikan sumber 2. Planning, establishing, and controlling the source and use of
dan penggunaan dana Bank; Bank funds;
3. Menetapkan tingkat suku bunga kredit maupun pendanaan; 3. Establishing interest rates on credit and funding;
4. Melakukan evaluasi anggaran dan realisasi Laporan Keuangan 4. Evaluating the budget and realization of the Bank’s financial
Bank dengan memperhatikan indikator-indikator/risiko Bank; statements with due regard to the Bank’s indicators/risks;
5. Merumuskan, menetapkan, dan mengevaluasi kebijakan, 5. Formulating, establishing, and evaluating policies,
strategi, dan sasaran dalam beberapa bidang, yaitu strategies, and objectives in several areas, which are Strategic
Manajemen Strategi, Manajemen Likuiditas, Manajemen Management, Liquidity Management, Gap Management, and
Gap, serta Manajemen Investasi dan Pendapatan (Pricing) Investment and Pricing Management within the scope of
dalam lingkup ALMA; dan ALMA; and
6. Memantau dan memperhatikan perkembangan kondisi 6. Monitoring and observing the development of micro and
ekonomi mikro maupun makro, seperti inflasi, nilai tukar, dan macroeconomic conditions, such as inflation, exchange
perkembangan suku bunga yang dapat memengaruhi kinerja rates, and interest rate development that may affect the
Bank. Bank’s performance.
Struktur dan Keanggotaan ALCO Structure and Composition of ALCO
Berdasarkan Surat Keputusan Direksi No. 009/SK-DIR/03/2019 Based on the Board of Directors’ Decision Letter
tentang Susunan Keanggotaan Assets and Liabilities Committee No. 009/SK-DIR/03/2019 on the Composition of Assets and
(ALCO) PT Bank Victoria International Tbk, komposisi Liabilities Committee (ALCO) of PT Bank Victoria International Tbk,
keanggotaan ALCO, yaitu: ALCO’s composition is as follows:
1. Ketua diisi oleh Direktur Utama; 1. Chairperson held by President Director;
2. Sekretaris diisi oleh Kepala Divisi Treasury; 2. Secretary held by Head of Treasury Division;
3. Anggota Tetap diisi oleh seluruh Direksi, seluruh Senior 3. Permanent Member held by all Members of Board of Directors,
Executive Vice President, seluruh Kepala Divisi pada all Senior Executive Vice President, all Division Head in the
Direktorat Bisnis, Kepala Divisi Risk Management/Integrated, Business Directorate, Head of Risk Management/Integrated
dan Kepala Divisi Finance and Accounting; dan Division, and Head of Finance and Accounting Division; and
4. Anggota Tidak Tetap diisi oleh Divisi atau Unit Kerja Lain dan 4. Non-Permanent Members held by Other Divisions or Work
seluruh Kepala Area. Units and all Area Heads.
Rapat ALCO ALCO’s Meeting
Kebijakan dan pelaksanaan rapat ALCO diatur dalam Pedoman Policy and implementation of ALCO meeting are regulated in the
ALCO. ALCO minimal menyelenggarakan rapat 1 (satu) kali dalam ALCO Charter. ALCO holds meeting at least 1 (once) a month or
1 (satu) bulan atau sewaktu-waktu sesuai dengan kebutuhan. at any time as necessary. In practice, an ALCO meeting is declared
Dalam pelaksanaanya, rapat ALCO dinyatakan kuorum apabila as quorum if attended by at least 50% of the Board of Directors,
dihadiri oleh minimal 50% dari Direksi, kecuali Direktur except for the Director of Compliance and Risk Management
Kepatuhan dan Manajemen Risiko.
Pada tahun 2023, ALCO melaksanakan rapat sebanyak 12 (dua In 2023, ALCO held 12 (twelve) meetings with an attendance rate
belas) kali dengan tingkat kehadiran 85,00%. of 85.00%.
Komite Kredit Credit Committee
Komite Kredit dibentuk untuk mendukung proses pemberian Credit Committee is established to support the credit provision
kredit dan menentukan jumlah Credit Exposure Bank sesuai process and to determine the Bank’s Credit Exposure amount in
dengan limit yang telah ditetapkan. accordance with a specified limit.
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Pedoman Komite Kredit Credit Committee Charter
Pelaksanaan tugas Komite Kredit mengacu pada Surat Keputusan The Credit Committee performs its duties by referring to
Direksi No. 008/SK-DIR/10/17 tanggal 9 Oktober 2017 tentang the Board of Commissioners’ Decision Letter No. 008/SK-
Credit Policy Committee PT Bank Victoria International Tbk. DIR/10/17 dated 9 October 2017 on Credit Policy Committee of
PT Bank Victoria International Tbk.
Pernyataan Independensi Komite Kredit Statement of Independence of Credit Committee
Komite Kredit bertindak secara independen, mandiri, dan The Credit Committee acts independently, individually, and
profesional, serta menjalankan tugas dan tanggung jawabnya professionally, and carries out its duties and responsibilities
tanpa adanya benturan kepentingan atau pengaruh dari pihak without any conflict of interest or influence from any party.
manapun.
Tugas dan Tanggung Jawab serta Realisasi Duties, Responsibilities, and the Realization of
Pelaksanaan Tugas Komite Kredit Credit Committee Duties
Komite Kredit telah menjalankan tugas dan tanggung jawabnya, The Credit Committee carried out its duties and responsibilities,
yaitu memberikan persetujuan/penolakan terhadap usulan by approving/rejecting proposed funding facilities from each
fasilitas penyediaan dana dari masing-masing divisi/unit proposing division/unit.
pengusul.
Struktur dan Keanggotaan Komite Kredit Structure and Composition of Credit Committee
Struktur dan keanggotaan Komite Kredit Bank Victoria Structure and composition of Bank Victoria’s Credit
berdasarkan Surat Keputusan Direksi No. 008/SK-DIR/10/17 Committee based on the Board of Directors’ Decision Letter
tanggal 9 Oktober 2017, terdiri dari: No. 008/SK-DIR/10/17 dated 9 October 2017 consist of:
1. Ketua diisi oleh Direktur Utama; 1. Chairperson held by President Director;
2. Wakil Ketua diisi oleh Direktur Bisnis dan Direktur Kredit; 2. Vice Chairperson held by Director of Business and Director of
Credit;
3. Sekretaris merangkap Anggota diisi oleh Kepala Divisi dan/ 3. Secretary concurrently as Member held by Head of Division
atau Kepala Bagian Divisi Credit Analyst; dan and/or Head of Credit Analyst Division; and
4. Anggota diisi oleh Wakil Direktur Utama, Direktur Kepatuhan 4. Members held Deputy President Director, Director of
dan Manajemen Risiko, Kepala Divisi SME & Consumer Compliance and Risk Management, Head of SME & Consumer
Banking, Kepala Divisi Commercial Banking, Kepala Divisi Banking Division, Head of Commercial Banking Division,
Financial Institution & Capital Market, Kepala Divisi Head of Financial Institution & Capital Market Division, Head
Credit Administration, Kepala Divisi Legal, Kepala Divisi of Credit Administration Division, Head of Legal Division,
Risk Management/Integrated, Kepala Divisi Compliance Head of Risk Management/Integrated Division, Head of
& System Procedure, Kepala Divisi SKAI & Anti Fraud, Unit Compliance & System Procedure Division, Head of SKAI
Head Business Support, dan Unit Head Corporate Banking. and Anti-Fraud Division, Business Support Unit Head, and
Corporate Banking Unit Head.
Rapat Komite Kredit Credit Committee Meeting
Kebijakan dan pelaksanaan rapat Komite Kredit diatur dalam Policy and implementation of Credit Committee meeting are
Pedoman Komite Kredit. Komite Kredit menyelenggarakan regulated in the Credit Committee Charter. The Credit Committee
rapat internal ataupun rapat sirkuler minimal 1 (satu) kali dalam holds an internal meeting or circular meeting at least 1 (once) a
1 (satu) minggu atau sewaktu-waktu sesuai dengan kebutuhan. week or at any time as necessary. Decision made by the Credit
Keputusan anggota Komite Kredit harus kuorum dan Committee member must be quorum and unanimous. In the
bulat/uninamous. Jika terjadi perbedaan keputusan antar anggota event of any dispute between the members of the deciding Credit
Komite Kredit pemutus, maka kredit dianggap tidak disetujui. Committee, then the credit will be deemed unapproved.
Pada tahun 2023, Komite Kredit melaksanakan rapat sebanyak In 2023, the Credit Committee held 89 meetings with an
89 kali dengan tingkat kehadiran 100,00%. attendance rate of 100.00%.
Komite Kebijakan Perkreditan Credit Policy Committee
Direksi membentuk Komite Kebijakan Perkreditan untuk The Board of Directors established the Credit Policy Committee
membantu Direksi dalam merumuskan Kebijakan Perkreditan to assist the Board of Directors in formulating the Bank’s Credit
Bank agar pemberian kredit dilakukan dengan hati-hati, Policy to enable careful provision of credit, monitoring and
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Tata Kelola Perusahaan
Good Corporate Governance
memantau dan mengevaluasi pelaksanaan Kebijakan Perkreditan evaluating the implementation of the Bank’s Credit Policy made
Bank yang telah dibuat sehingga dapat diketahui konsistensi, to identify the consistencies, responsibilities, or any issues in its
tanggung jawab, ataupun kendala-kendala yang ada di dalam implementation, monitoring credit portfolio’s development and
penerapannya, memonitor perkembangan dan kondisi portfolio condition, as well as providing recommendations or solutions for
kredit, serta memberikan saran ataupun solusi sebagai langkah future improvement measures.
perbaikan ke depannya.
Pedoman Komite Kebijakan Perkreditan Credit Policy Committee Charter
Pelaksanaan tugas Komite Kebijakan Perkreditan mengacu The implementation of the Credit Policy Committee’s
pada Peraturan Otoritas Jasa Keuangan No. 42/POJK.03/2017 duties refers to the Financial Services Authority Regulation
tentang Kewajiban Penyusunan dan Pelaksanaan Kebijakan No. 42/POJK.03/2017 on Obligation for Compilation and
Perkreditan atau Pembiayaan bagi Bank Umum, Peraturan Implementation of Bank Credit or Financing Policies for
Otoritas Jasa Keuangan No. 17 Tahun 2023 tentang Tata Kelola Commercial Banks, Financial Services Authority Regulation
bagi Bank Umum, dan Surat Edaran Otoritas Jasa Keuangan No. 17 of 2023 concerning Governance for Commercial Banks, and
No. 13/SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Bank Financial Services Authority Circular Letter No. 13/SEOJK.03/2017
Umum. concerning Implementation of Governance for Commercial Banks.
Pernyataan Independensi Komite Kebijakan Statement of Independence of Credit Policy
Perkreditan Committee
Komite Kebijakan Perkreditan bertindak secara independen, The Credit Policy Committee acts independently, individually,
mandiri, dan profesional, serta menjalankan tugas dan tanggung and professionally, and carries out its duties and responsibilities
jawabnya tanpa adanya benturan kepentingan atau pengaruh without any conflict of interest or influence from any party.
dari pihak manapun.
Tugas dan Tanggung Jawab serta Realisasi Duties, Responsibilities, and the Realization of
Pelaksanaan Tugas Komite Kebijakan Perkreditan Credit Policy Committee Duties
Selama tahun 2023, Komite Kebijakan Perkreditan telah Throughout 2023, the Credit Policy Committee performed its
melaksanakan tugas dan tanggung jawabnya dalam membantu duties and responsibilities in assisting the President Director on
Direktur Utama atas hal-hal yang berkaitan dengan, antara lain matters related to, among others, and at least include:
dan sekurang-kurangnya meliputi: 1. To provide input to the Board of Directors in the framework
1. Memberikan masukkan kepada Direksi dalam rangka of the Bank’s credit policy making, especially with regard to
penyusunan kebijakan perkreditan Bank, terutama yang formulation of prudential principles in the Bank’s credit;
berkaitan dengan perumusan prinsip kehati-hatian dalam
perkreditan Bank;
2. Mengawasi agar kebijakan perkreditan Bank dapat diterapkan 2. To supervise so that the Bank’s credit policy can be
dan dilaksanakan secara konsekuen dan konsisten, serta implemented and executed consistently with consequence,
merumuskan pemecahan apabila terdapat hambatan/ and to formulate solutions if there are obstacles/hindrance
kendala dalam penerapan kebijakan perkreditan Bank; in implementing the Bank’s credit policy;
3. Melakukan kajian terhadap kebijakan perkreditan Bank 3. To review the Bank’s credit policies and advise the Board of
dan memberikan saran kepada Direksi apabila diperlukan Directors if changes to the Bank’s credit policy are necessary;
perubahan kebijakan perkreditan Bank; dan and
4. Memantau dan mengevaluasi perkembangan serta kualitas 4. To monitor and evaluate the development and quality of the
portofolio perkreditan, kewenangan pelaksanaan keputusan credit portfolio, the authority to implement credit decision,
kredit, proses pemberian kredit kepada pihak terkait the credit distribution process to related parties and major
dan debitur-debitur besar, pelaksanaan ketentuan batas debtors, the implementation of the provisions on the
maksimum pemberian kredit, ketaatan terhadap perundang- maximum credit limit, adherence to regulations, settlement
undangan, penyelesaian kredit bermasalah sesuai kebijakan of non-performing loans in accordance with the Bank’s credit
perkreditan Bank, dan upaya Bank memastikan kecukupan policy, and the Bank’s efforts to ensure the adequacy of the
penyisihan penghapusan kredit. allowance for credit writeoff.
Struktur dan Keanggotaan Komite Kebijakan Structure and Composition of Credit Policy
Perkreditan Committee
Struktur dan keanggotaan Komite Kebijakan Perkreditan Bank Structure and composition of Bank Victoria’s Credit Policy
Victoria berdasarkan Surat Keputusan Direksi No. 021/SK-DIR/01/24 Committee based on the Board of Directors’ Decision Letter
tanggal 24 Januari 2024, terdiri dari: No. 021/SK-DIR/01/24 dated 24 January 2024 consist of:
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1. Ketua diisi oleh Direktur Utama; 1. Chairperson held by President Director;
2. Wakil Ketua I merangkap Anggota diisi oleh Wakil Direktur 2. Vice Chairperson I concurrently as Member held by Deputy
Utama; President Director;
3. Wakil Ketua II merangkap Anggota diisi oleh Direktur Bisnis; 3. Vice Chairperson II concurrently as Member held by Business
Director;
4. Sekretaris merangkap Anggota diisi oleh Kepala Divisi Risk 4. Secretary concurrently as Member held by Head of Risk
Management/Integrated; Management/Integrated Division;
5. Anggota diisi oleh Direktur Keuangan, Direktur Kepatuhan 5. Members held by Director of Finance, Director of Compliance
dan Manajemen Risiko, Senior EVP Bisnis, Senior EVP and Risk Management, Senior EVP Business, Senior EVP
Operasional & International Banking, Kepala Divisi SME, Operations & International Banking, Head of SME Division,
Kepala Divisi Commercial Banking, Kepala Divisi Credit Head of Commercial Banking Division, Head of Credit Risk
Risk Review, Kepala Divisi Loan & Trade Operations, Kepala Review Division, Head of Loan & Trade Operations Division,
Divisi Special Asset Management, Kepala Divisi Credit Legal, Head of Special Asset Management Division, Head of Credit
Kepala Divisi International Banking, dan Kepala Departemen Legal Division, Head of International Banking Division, and
Credit Monitoring & Collection; Head of Credit Monitoring & Collection Department;
6. Undangan Tetap diisi oleh Kepala Divisi SKAI & Anti Fraud, 6. Permanent Members are held by Head of SKAI & Anti-Fraud
Kepala Divisi Corporate Legal, Kepala Divisi Treasury, dan Division, Head of Corporate Legal Division, Head of Treasury
Kepala Divisi Accounting; dan Division, and Head of Accounting Division; and
7. Undangan tidak tetap diisi oleh pihak internal dan eksternal 7. Non-Permanent Members held by invited internal and
yang diundang. external parties.
Rapat Komite Kebijakan Perkreditan Credit Policy Committee’s Meeting
Kebijakan dan pelaksanaan rapat Komite Kebijakan Perkreditan Policy and implementation of Credit Policy Committee meetings
diatur dalam Surat Keputusan Direksi No. 016B/SK-DIR/08/23 are regulated in the Board of Directors’ Decision Letter
tanggal 16 Agustus 2023. Komite Kebijakan Perkreditan No. 016B/SK-DIR/08/23 dated 16 August 2023. The Credit Policy
menyelenggarakan rapat secara berkala atau sewaktu-waktu Committee holds meetings on a regular basis or at any time
apabila diperlukan (insidental). Dalam pelaksanaanya, rapat necessary (incidental). In practice, Credit Policy Committee meeting
Komite Kebijakan Perkreditan dinyatakan kuorum apabila dihadiri is declared as quorum if attended by at least 50% of the Board of
oleh minimal 50% dari Direksi dan 50% dari anggota non-Direksi. Directors and 50% of the non-Board of Directors members.
Pada tahun 2023, Komite Kebijakan Perkreditan melaksanakan In 2023, the Credit Policy Committee held 4 (four) meetings with
rapat sebanyak 4 (empat) kali dengan tingkat kehadiran 71,00%. an attendance rate of 71.00 %.
Komite Teknologi Informasi Information Technology Committee
Komite Teknologi Informasi dibentuk untuk memastikan sistem The Information Technology Committee was established to ensure
teknologi informasi sesuai dengan strategi Bank, memberikan the information technology system is in line with the Bank’s strategy,
pandangan pada pengelolaan teknologi informasi dan to provide insight into information technology management and
manajemen sistem informasi, serta memantau kegiatan dan information system management, and to monitor activities and
kesiapan infrastruktur teknologi informasi. readiness of information technology infrastructure.
Pedoman Komite Teknologi Informasi Information Technoloy Committee Charter
Pelaksanaan tugas Komite Teknologi Informasi mengacu pada The implementation of the Information Technology Committee’s
Peraturan Otoritas Jasa Keuangan No. 11/POJK.03/2022 tanggal duties refers to the Financial Services Authority Regulation
6 Juli 2022 tentang Penyelenggaraan Teknologi Informasi oleh No. 11/POJK.03/2022 dated 6 July 2022 on Information
Bank Umum. Technology Operations by Commercial Banks.
Pernyataan Independensi Komite Teknologi Statement of Independence of Information
Informasi Technology Committee
Komite Teknologi Informasi bertindak secara independen, The Information Technology Committee acts independently,
mandiri, dan profesional, serta menjalankan tugas dan tanggung individually, and professionally, and carries out its duties and
jawabnya tanpa adanya benturan kepentingan atau pengaruh responsibilities without any conflict of interest or influence from
dari pihak manapun. any party.
Duties, Responsibilities, and the Realization of
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Tata Kelola Perusahaan
Good Corporate Governance
Tugas dan Tanggung Jawab serta Realisasi Information Technology Committee Duties
Pelaksanaan Tugas Komite Teknologi Informasi
Selama tahun 2023, Komite Teknologi Informasi telah Throughout 2023, the Information Technology Committee
melaksanakan tugas dan tanggung jawabnya dalam memberikan performed its duties and responsibilities in providing
rekomendasi kepada Direksi yang paling kurang terkait dengan: recommendations to the Board of Directors which at least were
related to:
1. Membuat rencana strategis teknologi informasi yang sesuai 1. Prepare information technology strategic plan in line with
dengan rencana strategis kegiatan usaha Bank; the strategic plan of the Bank’s business activities;
2. Merumuskan kebijakan prosedur teknologi informasi 2. Formulate information technology procedure policy in
sesuai dengan Peraturan Otoritas Jasa Keuangan accordance with Financial Services Authority Regulation
No. 11/POJK.03/2022 tanggal 6 Juli 2022 tentang No. 11/POJK.03/2022 dated 6 July 2022 on Information
Penyelenggaraan Teknologi Informasi oleh Bank Umum; Technology Operations by Commercial Banks;
3. Melakukan pemantauan kesesuaian proyek-proyek teknologi 3. Monitor the conformity of information technology projects,
informasi yang disetujui dengan rencana strategis teknologi which are approved with the information technology strategic
informasi; plan;
4. Melakukan pemantauan kesesuaian proyek-proyek teknologi 4. Monitor the conformity of the information technology
informasi dengan rencana proyek yang disepakati dalam projects with the project charter agreed in the Service Level
Service Level Agreement (SLA); Agreement (SLA);
5. Melakukan pemantauan kesesuaian teknologi informasi 5. Monitor the conformity of information technology to the
dengan kebutuhan sistem informasi manajemen yang needs of management information system that supports the
mendukung pengelolaan kegiatan usaha Bank; management of the Bank’s business activities;
6. Melakukan evaluasi terhadap efektivitas langkah-langkah 6. Evaluate the effectiveness of risk management measures in
manajemen risiko dalam teknologi informasi; information technology;
7. Melakukan pemantauan atas kinerja teknologi informasi dan 7. Monitor the performance of information technology and its
upaya peningkatannya; improvement efforts;
8. Melakukan penyelesaian berbagai masalah terkait teknologi 8. Settle various problems related to information technology
informasi yang tidak dapat diselesaikan oleh satuan kerja that cannot be settled by a user work unit and an organizing
pengguna dan satuan kerja penyelenggara; dan work unit; and
9. Melakukan evaluasi kecukupan dan lokasi sumber daya yang 9. Evaluate the adequacy and location of resources owned by
dimiliki Bank. the Bank.
Struktur dan Keanggotaan Komite Teknologi Structure and Composition of Information
Informasi Technology Committee
Berdasarkan Surat Keputusan Direksi No. 011/SK-DIR/01/21 Based on the Board of Directors’ Decision Letter
tanggal 29 Januari 2021, struktur dan keanggotaan Komite No. 011/SK-DIR/01/21 dated 29 January 2021, the structure and
Teknologi Informasi diungkapkan sebagai berikut: composition of Information Technology Committee are disclosed
as follows:
1. Ketua diisi oleh Direktur Utama; 1. Chairperson held by President Director;
2. Wakil Ketua diisi oleh Wakil Direktur Utama; 2. Deputy Chair held by Deputy President Director;
3. Koordinator diisi oleh SEVP Change Management Office; 3. Coordinator held by SEVP Change Management Office;
4. Sekretaris diisi oleh Kepala Divisi Information Technology; 4. Secretary held by Head of Information Technology Division;
5. Anggota Tetap diisi oleh Direktur Kepatuhan dan Manajemen 5. Permanent Members held by Director of Compliance and
Risiko; Direktur Bisnis; Direktur Keuangan; Senior Executive Risk Management; Director of Business; Director of Finance;
Vice President of Finance, Accounting & Management Senior Executive Vice President of Finance, Accounting &
Information System; Senior Executive Vice President of Management Information System; Senior Executive Vice
Corporate, Business Linkage & Consumer Banking; Kepala President of Corporate, Business Linkage & Consumer
Divisi Operations & Internal Control; Kepala Divisi Change Banking; Head of Operations & Internal Control Division;
Management Office; dan Kepala Divisi Branch Banking Head of Change Management Office; and Head of Branch
Network & Performance; dan Banking Network & Performance Division; and
6. Anggota Tidak Tetap diisi oleh Kepala Divisi Risk Management/ 6. Non-Permanent Members held by Head of Risk Management/
Integrated, Kepala Divisi Loan & Trade Operations, Kepala Integrated Division, Head of Loan & Trade Operations
Divisi Human Capital Management & General Affair, dan Division, Head of Human Capital Management & General
Wakil Kepala Divisi Change Management Office. Affair Division, and Vice Head of Change Management Office
Division.
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Rapat Komite Teknologi Informasi Information Technology Committee’s Meeting
Kebijakan dan pelaksanaan rapat Komite Teknologi Informasi Policy and implementation of Information Technology Committee
diatur dalam Surat Keputusan Direksi No. 011/SK-DIR/01/21 meetings are regulated in the Board of Directors’ Decision Letter
tanggal 29 Januari 2021. Komite Teknologi Informasi No. 011/SK-DIR/01/21 dated 29 January 2021. The Information
menyelenggarakan rapat minimal 1 (satu) kali dalam 6 (enam) Technology Committee holds meetings at least 1 (once) every
bulan atau sewaktu-waktu sesuai dengan kebutuhan. Dalam 6 (six) months or at any time as necessary. In practice, an
pelaksanaanya, rapat Komite Teknologi Informasi dinyatakan Information Technology Committee meeting is declared as
kuorum apabila dihadiri oleh minimal 51% dari anggota tetap. quorum if attended by at least 51% of the permanent members.
Pada tahun 2023, Komite Teknologi Informasi melaksanakan In 2023, the Information Technology Committee held 4 (four)
rapat sebanyak 4 (empat) kali dengan tingkat kehadiran 95,00%. meetings with an attendance rate of 95.00 %.
Komite Pemantau dan Pelaksanaan GCG GCG Implementation and Monitoring
Committee
Komite Pemantau dan Pelaksanaan GCG sebagai organ pendukung The GCG Implementation and Monitoring Committee as the
Direksi bertugas menyusun, mengomunikasikan, mengawasi, dan Board of Directors’ supporting organ is in charge of preparing,
melakukan tindakan perbaikan terhadap kepatuhan terhadap communicating, supervising, and taking corrective actions for
penerapan GCG, etika, pengendalian internal, dan strategi Anti its compliance with the implementation of GCG, ethics, internal
Fraud. control, and Anti-Fraud strategy.
Pedoman Komite Pemantau dan Pelaksanaan GCG Implementation and Monitoring Committee
GCG Charter
Pelaksanaan tugas Komite Pemantau dan Pelaksanaan GCG The implementation of duties of the GCG Implementation and
mengacu pada Surat Keputusan Direksi No. 016A/SK-DIR/08/23 Monitoring Committee refers to Board of Directors’ Decision
tanggal 16 Agustus 2023 tentang Komite Pemantau dan Letter No. 016A/SK-DIR/08/23 dated 16 August 2023 on Good
Pelaksanaan Good Corporate Governance (GCG). Corporate Governance (GCG) Implementation and Monitoring
Committee.
Pernyataan Independensi Komite Pemantau dan Statement of Independence of GCG
Pelaksanaan GCG Implementation and Monitoring Committee
Komite Pemantau dan Pelaksanaan GCG bertindak secara GCG Implementation and Monitoring Committee acts
independen, mandiri, dan profesional, serta menjalankan tugas independently, individually, and professionally, and carries out
dan tanggung jawabnya tanpa adanya benturan kepentingan its duties and responsibilities without any conflict of interest or
atau pengaruh dari pihak manapun. influence from any party.
Tugas dan Tanggung Jawab serta Realisasi Duties, Responsibilities, and the Realization of
Pelaksanaan Tugas Komite Pemantau dan GCG Implementation and Monitoring Committee
Pelaksanaan GCG Duties
Selama tahun 2023, Komite Pemantau dan Pelaksanaan GCG Throughout 2023, the GCG Implementation and Monitoring
telah melaksanakan tugas dan tanggung jawabnya, antara lain: Committee performed its duties and responsibilities, including:
1. Memantau dan menganalisis setiap kebijakan terbaru 1. Monitoring and analyzing any current policy and best
maupun praktik terbaik terkait penerapan GCG; practices related to GCG implementation;
2. Melakukan pemutakhiran kebijakan internal (existing) 2. Updating the existing internal policies against any GCG policy
terhadap setiap perubahan kebijakan GCG; changes;
3. Memantau secara berkala terhadap rencana dan realisasi/ 3. Monitoring periodically on the Bank’s plans and business
pencapaian bisnis Bank melalui rapat-rapat Komite; realizations/achievements through Committee meetings;
4. Memantau action plan dan pelaksanaannya melalui 4. Monitoring the action plan and its implementation through
rapat-rapat Komite; Committee meetings;
5. Menentukan aspek dan PIC/petugas dalam penyusunan GCG 5. Determining aspects and person in charge/PIC in drafting
sesuai dengan bidang yang tercermin dari aspek-aspek GCG; GCG in accordance with the areas reflected in GCG aspects;
6. Mengoordinasikan pembuatan laporan pelaksanaan GCG 6. Coordinating the preparation of GCG implementation reports
yang dilengkapi dan didukung dengan underlying-nya; dan supplemented and supported by its underlying matters; and
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Tata Kelola Perusahaan
Good Corporate Governance
7. Menyusun pelaporan pelaksanaan GCG Bank dan 7. Preparing the reporting of the Bank’s GCG implementation
melakukan penilaian sendiri sesuai ketentuan berlaku, serta and conducting self-assessment in accordance with the
melaporkannya kepada Direktur Utama dan Otoritas Jasa prevailing provisions, and report it to the President Director
Keuangan. and Financial Services Authority.
Struktur dan Keanggotaan Komite Pemantau dan Structure and Composition of GCG
Pelaksanaan GCG Implementation and Monitoring Committee
Sesuai Surat Keputusan Direksi No. 016A/SK-DIR/08/23 tanggal Pursuant to the Board of Directors’ Decision Letter
16 Agustus 2023, struktur dan keanggotaan Komite Pemantau No. 016A/SK-DIR/08/23 dated 16 August 2023, the structure and
dan Pelaksanaan GCG sebagai berikut: composition of GCG Implementation and Monitoring Committee
are disclosed as follows:
1. Ketua diisi oleh Direktur Kepatuhan dan Manajemen Risiko; 1. Chairperson held by Director of Compliance and Risk
Management;
2. Sekretaris diisi oleh Kepala Divisi Compliance & System 2. Secretary held by Head of Compliance & System Procedure
Procedure; Division;
3. Anggota Tetap diisi oleh Direksi (Senior Executive Vice 3. Permanent Members held by Board of Directors (Senior
President, Kepala Divisi SKAI & Anti Fraud, Kepala Divisi Risk Executive Vice President, Head of SKAI & Anti-Fraud Division,
Management/Integrated); dan Head of Risk Management/Integrated Division); and
4. Anggota Tidak Tetap seluruh Kepala Divisi (berdasarkan 4. Non-Permanent Members held by all Division Heads (based
undangan). on invitation)
Rapat Komite Pemantau dan Pelaksanaan GCG GCG Implementation and Monitoring
Committee’s Meeting
Kebijakan dan pelaksanaan rapat Komite Pemantau dan Policy and implementation of GCG Implementation and
Pelaksanaan GCG diatur dalam Surat Keputusan Direksi Monitoring Committee meetings are regulated in the Board
No. 016A/SK-DIR/08/23 tanggal 16 Agustus 2023. Komite of Directors’ Decision Letter No. 016A/SK-DIR/08/23 dated
Pemantau dan Pelaksanaan GCG menyelenggarakan rapat secara 16 August 2023. GCG Implementation and Monitoring Committee
berkala (bulanan) atau sewaktu-waktu sesuai dengan kebutuhan. holds meetings on a regular basis (monthly) or at any time as
necessary.
Pada tahun 2023, Komite Pemantau dan Pelaksanaan GCG In 2023, the GCG Implementation and Monitoring Committee
melaksanakan rapat sebanyak 3 (tiga) kali dengan tingkat held 3 (three) meetings with an attendance rate of 100.00%.
kehadiran 100,00%.
Komite Personalia Personnel Committee
Komite Personalia membantu Direksi dalam merumuskan The Personnel Committee assists the Board of Directors in
dan mengawasi kebijakan, memantau perkembangan formulating and overseeing policy, monitoring employment
ketenagakerjaan, serta memberikan saran dan langkah perbaikan progress, and advising suggestions and remedial measures in line
yang sesuai peraturan ketenagakerjaan perbankan dan Undang- with the labor regulations in banking and the Manpower Law in
Undang Ketenagakerjaan di Indonesia. Indonesia.
Pedoman Komite Personalia Personnel Committee Charter
Pelaksanaan tugas Komite Personalia mengacu pada Undang- The implementation of the Personnel Committee’s duties refers
Undang No. 13 Tahun 2003 tentang Ketenagakerjaan, serta to Law No. 13 of 2003 on Manpower, and its derivative regulations.
peraturan turunannya.
Pernyataan Independensi Komite Personalia Statement of Independence of Personnel
Committee
Komite Personalia bertindak secara independen, mandiri, dan The Personnel Committee acts independently, individually, and
profesional, serta menjalankan tugas dan tanggung jawabnya tanpa professionally, and carries out its duties and responsibilities
adanya benturan kepentingan atau pengaruh dari pihak manapun. without any conflict of interest or influence from any party.
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Tugas dan Tanggung Jawab serta Realisasi Duties, Responsibilities, and the Realization of
Pelaksanaan Tugas Komite Personalia Personnel Committee Duties
Selama tahun 2023, Komite Personalia telah melaksanakan tugas Throughout 2023, the Personnel Committee performed its duties
dan tanggung jawabnya dalam memberikan rekomendasi kepada and responsibilities in providing recommendations to the Board
Direksi atas hal-hal yang berkaitan dengan, antara lain: of Directors on matters related to, among others:
1. Memberikan masukkan kepada Direksi dalam merumuskan 1. Providing inputs to Board of Directors in formulating
kebijakan ketenagakerjaan; employment policies;
2. Mengawasi kebijakan yang berhubungan dengan karyawan 2. Overseeing employee-related policies to be consistently and
agar dilaksanakan secara konsekuen dan konsisten; consequently implemented;
3. Melakukan kajian terhadap kebijakan ketenagakerjaan Bank 3. Reviewing Bank’s manpower policies and advising the Board
dan memberikan saran kepada Direksi apabila diperlukan of Directors if changes to the Bank’s manpower policy are
perubahan kebijakan ketenagakerjaan Bank; necessary;
4. Memantau dan mengevaluasi efektivitas setiap karyawan; dan 4. Monitoring and evaluating the effectiveness of each
employee; and
5. Memberikan masukan dan solusi untuk hambatan dan masalah 5. Providing inputs and solutions for the obstacles and problems
yang terjadi terkait dengan ketenagakerjaan Bank. that occur related to the Bank’s employment.
Struktur dan Keanggotaan Komite Personalia Structure and Composition of Personnel
Committee
Komite Personalia diangkat berdasarkan Surat Keputusan The Personnel Committee is appointed based on the Board of
Direktur No. 008/SK-DIR/03/19 tanggal 27 Maret 2019. Adapun Directors’ Decision Letter No. 008/SK-DIR/03/19 dated 27 March
keanggotaan Komite Personalia Bank Victoria diungkapkan 2019. The composition of Bank Victoria’s Personnel Committee
sebagai berikut: is disclosed below:
1. Ketua diisi oleh Direktur Utama; 1. Chairperson held by President Director;
2. Sekretaris diisi oleh Kepala Divisi Human Capital 2. Secretary held by Head of Human Capital Management
Management; Division;
3. Anggota Tetap diisi oleh Wakil Presiden Direktur Utama; dan 3. Permanent Member held by Deputy President Director; and
4. Anggota Tidak Tetap diisi oleh Direktur terkait dan Kepala 4. Non-Permanent Members held by relevant Directors and
Divisi. Division Heads.
Rapat Komite Personalia Personnel Committe’s Meeting
Kebijakan dan pelaksanaan rapat Komite Personalia diatur Policy and implementation of Personnel Committee meetings
dalam Surat Keputusan Direktur No. 008/SK-DIR/03/19 tanggal are regulated in the Board of Directors’ Decision Letter
27 Maret 2019. Komite Personalia menyelenggarakan rapat No. 008/SK-DIR/03/19 dated 27 March 2019. The Personnel
minimal 3 (tiga) kali dalam 1 (satu) tahun. Dalam pelaksanaanya, Committee holds meetings at least 3 (three) times in 1 (one)
rapat Komite Personalia dinyatakan kuorum apabila dihadiri oleh year. In its implementation, a Personnel Committee meeting is
minimal 51% dari anggota tetap. declared as quorum if attended by at least 51% of the permanent
members.
Pada tahun 2023, Komite Personalia melaksanakan rapat In 2023, the Personnel Committee held 6 (six) meetings with an
sebanyak 6 (enam) kali dengan tingkat kehadiran 100,00%. attendance rate of 100.00%.
Komite Pengadaan Procurement Committee
Komite Pengadaan dibentuk untuk membantu Direksi The Procurement Committee was established to assist the
dalam mengelola pengadaan barang dan jasa, memastikan Board of Directors in managing goods and services procurement,
efektivitasnya, serta memastikan kepatuhan terhadap kebijakan ensuring its effectiveness, and ensuring its compliance with the
dan prosedur yang berlaku di Bank. policies and procedures applicable at the Bank.
Pedoman Komite Pengadaan Procurement Committee Charter
Pelaksanaan tugas Komite Pengadaan mengacu pada Surat The implementation of the Procurement Committee’s
Keputusan Direksi No. 010A/SK-DIR/01/23 tanggal 10 Januari 2023 duties refers to the Board of Directors’ Decision Letter
tentang Komite Pengadaan PT Bank Victoria International Tbk. No. 010A/SK-DIR/01/23 dated 10 January 2023 on Procurement
Committee of PT Bank Victoria International Tbk.
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Tata Kelola Perusahaan
Good Corporate Governance
Pernyataan Independensi Komite Pengadaan Statement of Independence of Procurement
Committee
Komite Pengadaan bertindak secara independen, mandiri, dan The Procurement Committee acts independently, individually,
profesional, serta menjalankan tugas dan tanggung jawabnya and professionally, and carries out its duties and responsibilities
tanpa adanya benturan kepentingan atau pengaruh dari pihak without any conflict of interest or influence from any party.
manapun.
Tugas dan Tanggung Jawab Komite Pengadaan Duties and Responsibilities of Procurement
Committee
Selama tahun 2023, Komite Pengadaan telah melaksanakan Throughout 2023, the Procurement Committee performed
tugas dan tanggung jawabnya dalam melakukan evaluasi dan its duties and responsibilities in evaluating and providing
memberikan rekomendasi kepada Direksi terkait pelaksanaan recommendations to the Board of Directors regarding the
kegiatan pengadaan barang dan jasa yang sekurang-kurangnya implementation of goods and services procurement activities
meliputi beberapa hal, sebagai berikut: which at least cover several matters, as follows:
1. Meminta informasi untuk hal-hal yang diperlukan terkait 1. Asking for information on necessary matters related to the
pengadaan barang dan jasa dari berbagai pihak, baik internal procurement of goods and services from various parties,
maupun eksternal; both internal and external;
2. Memberikan persetujuan terhadap pengajuan pengadaan 2. Providing approval on the procurement of goods and
barang dan jasa; services;
3. Mengajukan persetujuan kepada Dewan Komisaris terhadap 3. Applying for approval to the Board of Commissioners on
pengadaan barang/dan jasa dengan nilai/harga minimum procurement of goods and services with minimum value/
sesuai yang diatur pada Anggaran Dasar Bank; dan price as regulated in the Company’s Articles of Association;
and
4. Memberikan masukan kepada Direksi terkait hal-hal penting 4. Providing inputs to the Board of Directors regarding important
dan relevan dalam perumusan kebijakan pengadaan barang and relevant matters in the formulation of procurement
dan jasa. policies of goods and services.
Struktur dan Keanggotaan Komite Pengadaan Structure and Composition of Procurement
Committee
Kedudukan Komite Pengadaan dalam struktur organisasi Procurement Committee’s position in the organizational structure
berada di bawah Direksi. Susunan komposisi Komite Pengadaan is under the Board of Directors. The composition of the Procurement
berdasarkan Surat Keputusan No. 010A/SK-DIR/01/23 tanggal Committee based on Decision Letter No. 010A/SK-DIR/01/23 dated
10 Januari 2023, diungkapkan sebagai berikut: 10 January 2023 is disclosed below:
1. Ketua diisi oleh Direktur Utama; 1. Chairperson held by President Director;
2. Wakil Ketua diisi oleh Wakil Direktur Utama; 2. Vice Chairperson held by Deputy President Director;
3. Sekretaris diisi oleh HCM & General Affairs Division Head dan 3. Secretary held by Head of HCM & General Affairs Division and
General Affairs Vice Division Head; General Affairs Vice Division Head;
4. Anggota Tetap diisi oleh Direktur; dan 4. Permanent Member held by President Director; and
5. Anggota Tidak Tetap diisi oleh Senior EVP, Division Head dan 5. Non-Permanent Members held by EVP Senior, Division Head,
Vice Division Head. and Vice Division Head.
Rapat Komite Pengadaan Procurement Committee’s Meeting
Kebijakan dan pelaksanaan rapat Komite Pengadaan diatur dalam Policy and implementation of Procurement Committee meetings
Surat Keputusan Keputusan Direksi No. 010A/SK-DIR/01/23 are regulated in the Board of Board of Directors’ Decision Letter
tanggal 10 Januari 2023. Komite Pengadaan menyelenggarakan No. 010A/SK-DIR/01/23 dated 10 January 2023. The Procurement
rapat minimal 3 (tiga) dalam 1 (satu) tahun. Dalam Committee holds meetings at least 3 (three) times in 1 (one) year.
pelaksanaannya, rapat Komite Pengadaan dinyatakan kuorum In its implementation, the Procurement Committee meeting is
apabila dihadiri oleh minimal 51% dari anggota tetap. declared as quorum if attended by at least 51% of the permanent
members.
Pada tahun 2023, Komite Pengadaan melaksanakan rapat In 2023, the Procurement Committee held 13 (thirteen) meetings
sebanyak 13 (tiga belas) kali dengan tingkat kehadiran 100,00%. with an attendance rate of 100.00%.
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Komite Produk Product Committee
Komite Produk membantu Direksi dalam memberikan arahan The Product Committee assists the Board of Directors in providing
kebijakan terkait pengelolaan produk liabilities dan wealth policy-related directives in connection with the management of
management agar produk tersebut dapat bersaing dan liabilities and wealth management products so that such products
menghasilkan keuntungan bagi Bank. Dalam menjalankan can compete and generate profits for the Bank. In performing its
tugasnya, Komite Produk memperhatikan kepentingan duties, the Product Committee pays attention to the interests of
nasabah dan Bank, serta menerapkan prinsip kehati-hatian dan the Bank and its customers, and applies prudential principles and
manajemen risiko. risk management.
Pedoman Komite Produk Product Committee Charter
Pelaksanaan tugas Komite Produk mengacu pada Surat The implementation of the Product Committee’s duties
Keputusan Direksi No. 002A/SK-DIR/10/22 tanggal 20 Oktober refers to Board of Directors’ Decision Letter No. 002A/SK-
2022 tentang Komite Produk PT Bank Victoria International Tbk. DIR/10/22 dated 20 October 2022 on Product Committee of
PT Bank Victoria International Tbk.
Pernyataan Independensi Komite Produk Statement of Independence of Product
Committee
Komite Produk bertindak secara independen, mandiri, dan The Product Committee acts independently, individually, and
profesional, serta menjalankan tugas dan tanggung jawabnya professionally, and carries out its duties and responsibilities
tanpa adanya benturan kepentingan atau pengaruh dari pihak without any conflict of interest or influence from any party.
manapun.
Tugas dan Tanggung Jawab serta Realisasi Duties, Responsibilities, and the Realization of
Pelaksanaan Tugas Komite Produk Product Committee Duties
Selama tahun 2023, Komite Produk telah melaksanakan tugas dan Throughout 2023, the Product Committee performed its duties
tanggung jawabnya, yaitu: and responsibilities, which were:
1. Memberikan masukan, pertimbangan, dan rekomendasi kepada 1. Providing input, considerations, and recommendations
Direksi terkait pengelolaan produk asset and liabilities, termasuk to the Board of Directors regarding management of asset
rencana penerbitan, pengembangan, modifikasi, dan analisis and liabilities products, including the plan of launching,
produk yang sudah ada; developing, modifying, and analyzing the existing products;
2. Mengawasi penerapan kebijakan produk secara konsisten dan 2. Monitoring the implementation of product policy consistently
bertanggung jawab serta menemukan solusi untuk mengatasi and responsibly and seeking solutions to overcome obstacles
hambatan atau kendala yang muncul; dan or constraints that arise; and
3. Memantau dan mengevaluasi risiko potensial terhadap 3. Monitoring and evaluating potential risks to product sales
perkembangan penjualan produk, poin-poin pengawasan developments, product policy monitoring points, product
kebijakan produk, strategi kebijakan produk, dan portofolio policy strategies, and product portfolio. In addition, providing
produk. Selain itu, memberikan masukan dan saran kepada input and advice to the Board of Directors to determine the
Direksi untuk menentukan langkah-langkah perbaikan yang necessary improvements.
diperlukan.
Struktur dan Keanggotaan Komite Produk Structure and Composition of Product
Committee
Kedudukan Komite Produk dalam struktur organisasi berada di Product Committee’s position in the organizational structure is
bawah Direksi dengan ketua komite diangkat dan diberhentikan under the Board of Directors and the chairperson of committee is
oleh Direksi. Struktur dan keanggotaan Komite Produk appointed and dismissed by the Board of Directors. The structure
berdasarkan Surat Keputusan Direksi No. 002A/SK-DIR/10/22 and composition of Product Committee based on Board of
tanggal 20 Oktober 2022 tentang Komite Produk PT Bank Victoria Directors’ Decision Letter No. 002A/SK-DIR/10/22 dated 20
International Tbk, diungkapkan sebagai berikut: October 2022 on Product Committee of PT Bank Victoria
International Tbk are disclosed below:
1. Ketua Steering Committee diisi oleh Direktur Utama; 1. Head of Steering Committee held by President Director;
2. Anggota Steering Committee diisi oleh Wakil Direktur Utama, 2. Members of Steering Committee held by Deputy President
Direktur Bisnis, dan Direktur Kepatuhan dan Manajemen Director, Director of Business, and Director of Compliance
Risiko; and Risk Management;
3. Ketua Product Committee diisi oleh Senior Executive Vice 3. Head of Product Committee held by Senior Executive Vice
President of Change Management Office; President of Change Management Office;
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Tata Kelola Perusahaan
Good Corporate Governance
4. Sekretaris diisi oleh Change Management Office Division 4. Secretary held by Change Management Office Division Head;
Head; dan and
5. Anggota diisi oleh Senior Executive Vice President of 5. Member held by Senior Executive Vice President of Operations
Operations & lnternational Banking; Senior Executive Vice & International Banking; Senior Executive Vice President of
President of Finance, Accounting &. Strategic Performance Finance, Accounting &. Strategic Performance Management;
Management; lnformation Technology Division Head; Information Technology Division Head; Operations & Internal
Operations & lnternal Control Division Head; Compliance & Control Division Head; Compliance & System Procedure
System Procedure Division Head; Accounting Division Head; Division Head; Accounting Division Head; Treasury Division
Treasury Division Head; Risk Manogement/lntegrated Division Head; Risk Management/Integrated Division Head; Branch
Head; Branch Banking Network & Performonce Vice Division Banking Network & Performance Vice Division Head;
Head; Product and Marketing Communication Vice Division Product and Marketing Communication Vice Division Head;
Head; E-Channel and Digital Transformation Department E-Channel and Digital Transformation Department Head; dan
Head; dan Commercial Banking Department Head. Commercial Banking Department Head.
Rapat Komite Produk Product Committee’s Meeting
Kebijakan dan pelaksanaan rapat Komite Produk diatur dalam Policy and implementation of Product Committee meetings
Keputusan Keputusan Direksi No. 002A/SK-DIR/10/22. Komite are regulated in the Board of Directors’ Decision Letter
Produk menyelenggarakan rapat secara berkala sebanyak 2 (dua) kali No. 002A/SK-DIR/10/22. The Product Committee holds 2 (two)
dalam setahun atau sewaktu-waktu apabila diperlukan (insidental). meetings in a year or at any time necessary (incidental). In its
Dalam pelaksanaannya, rapat Komite Produk dinyatakan kuorum implementation, a Product Committee meeting is declared as
apabila dihadiri oleh minimal 50% dari anggota tetap. quorum if attended by at least 50% of the permanent members.
Pada tahun 2023, Komite Produk melaksanakan rapat sebanyak In 2023, the Product Committee held 2 (two) meetings with an
2 (dua) kali dengan tingkat kehadiran 100,00%. attendance rate of 100.00%.
Organ Pendukung Direksi
Board of Directors’ Supporting Organ
Dalam pelaksanaan tugasnya, Direksi dibantu oleh unit-unit In carrying out its duties, the Board of Directors is assisted by
di bawahnya. Unit-unit tersebut bertugas secara kolektif the units below it. These units have collective duties to provide
memberikan saran dan rekomendasi mengenai kebijakan suggestions and recommendations on the Bank’s management
terhadap pengelolaan Bank, serta melaksanakan fungsi-fungsi policies and perform special functions that require specific
khusus yang memerlukan keahlian khusus. expertise.
Corporate Secretary Corporate Secretary
Corporate Secretary berfungsi sebagai penghubung antara Bank Corporate Secretary functions as a liaison between the Bank
dengan pemangku kepentingan, dan bertanggung jawab untuk and stakeholders, and is responsible for monitoring the Bank’s
memantau kepatuhan Bank terhadap peraturan perundang- compliance with applicable laws and regulations, particularly in
undangan yang berlaku, khususnya di bidang perbankan. banking sector.
Pedoman Corporate Secretary Corporate Secretary Charter
Dasar pembentukan dan pedoman Corporate Secretary dalam The basis for the Corporate Secretary charter and establishment
melaksanakan tugasnya mengacu pada peraturan utama berikut: in performing its duties refers to the following main regulations:
1. Peraturan Otoritas Jasa Keuangan No. 35/POJK.04/2015 1. Financial Services Authority Regulation No. 35/POJK.04/2015
tentang Sekretaris Perusahaan Emiten atau Perusahaan Publik; on Corporate Secretary of Issuers or Public Companies;
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2. Kebijakan dan Prosedur Corporate Affair berdasarkan 2. Corporate Affair Policy and Procedure based on the Board
Keputusan Direksi No. 021/SK-DIR/07/14 tanggal 21 Juli of Directors’ Decision No. 021/SK-DIR/07/14 dated 21 July
2014 yang telah diperbarui menjadi Standar Operasional 2014, which was updated as Standard Operating Procedure
Prosedur Corporate Secretary Surat Keputusan Direksi No. of Corporate Secretary based on Board of Directors’ Decision
003/SKDIR/12/17 tanggal 13 Desember 2017; dan Letter No. 003/SK-DIR/12/17 dated 13 December 2017; and
3. Standar Operasional Prosedur Rapat Umum Pemegang 3. Standard Operating Procedure of General Meeting of
Saham berdasarkan Keputusan Direksi No. 004/SKDIR/04/17 Shareholders based on the Board of Directors’ Decision
tanggal 21 April 2017. No. 004/SK-DIR/04/17 dated 21 April 2017.
Tugas dan Tanggung Jawab serta Realisasi Duties, Responsibilities, and the Realization of
Pelaksanaan Tugas Corporate Secretary Corporate Secretary Duties
Selama tahun 2023, Corporate Secretary telah melaksanakan Throughout 2023, the Corporate Secretary performed its duties
tugas dan tanggung jawabnya, yaitu: and responsibilities, which were:
1. Mengikuti perkembangan pasar modal, khususnya 1. To follow the capital market development, especially
peraturan-peraturan yang berlaku di bidang pasar modal; regulations applicable in capital market sector;
2. Memberikan pelayanan kepada masyarakat atas setiap 2. To provide services to the public for any information required
Informasi yang dibutuhkan pemodal berkaitan dengan by the investors in relation to the Bank’s condition;
kondisi Bank;
3. Memberikan masukan kepada Direksi Bank untuk mematuhi 3. To provide input to the Bank’s Board of Directors to comply
ketentuan Undang-Undang No. 8 Tahun 1995 tentang Pasar with the provisions of Law No. 8 of 1995 on Capital Market
Modal dan peraturan pelaksanaannya; dan and its implementing regulations; and
4. Sebagai penghubung atau contact person antara Bank 4. To be the liaison or contact person between the Bank and
dengan Otoritas Jasa Keuangan serta masyarakat. Financial Services Authority and public.
Profil Kepala Divisi Corporate Secretary Profile of Head of Corporate Secretary Division
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
CAPRIE ARDIRA Keputusan Direksi No. 012/SK-DIR/HCM/01/21 tanggal Board of Directors’ Decision No. 012/SK-DIR/HCM/01/21
AZHAR 11 Januari 2021. dated 11 January 2021.
Kepala Divisi Corporate Secretary Riwayat Pendidikan Education
Head of Corporate Secretary Sarjana Hukum dari Universitas Padjadjaran (2012). Bachelor of Law from Padjadjaran University (2012).
Division
Rangkap Jabatan Concurrent Positions
Kewarganegaraan Di dalam Bank Victoria: In Bank Victoria:
Nationality Tidak ada. None.
Indonesia / Indonesian
Di luar Bank Victoria: Outside of Bank Victoria:
Tempat Lahir Tidak ada. None.
Place of Birth
Jakarta Rangkap Jabatan History of Position
• Associate Lawyer Makes & Partners Lawfirm • Associate Lawyer of Makes & Partners Lawfirm
Usia (2012-2014); (2012-2014);
Age • Legal & Corporate Secretary PT Victoria Investama • Legal & Corporate Secretary of PT Victoria Investama
36 tahun / years old Tbk (2014-2018); Tbk (2014-2018);
• Head Legal and Compliance PT Sucor Sekuritas • Head of Legal and Compliance of PT Sucor Sekuritas
Domisili
(2018-2019); dan (2018-2019); and
Domicile
• Unit Head Corporate Secretary Bank Victoria • Corporate Secretary Unit Head of Bank Victoria
Jakarta
(2019-2021). (2019-2021).
Sertifikasi Certification
Sertifikasi Manajemen Risiko Level 3 dari Lembaga Risk Management Certification Level 3 from Banking
Sertifikasi Profesi Perbankan (2022-2026). Professional Certification Institute (2022-2026).
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Does not have any affiliation with members of Board
Dewan Komisaris, anggota Direksi, serta Pemegang of Commissioners, members of Board of Directors, and
Saham Utama dan Pengendali. Main and Controlling Shareholders.
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Tata Kelola Perusahaan
Good Corporate Governance
Pelatihan dan/atau Peningkatan Corporate Corporate Secretary’s Training and/or
Secretary Improvement
Selama tahun 2023, Corporate Secretary telah mengikuti Throughout 2023, the Corporate Secretary attended training
pelatihan dan/atau peningkatan kompetensi sebagai berikut: and/or competency developments as follows:
1. Outbond: SQEW (oleh Internal Bank); 1. Outbound: SQEW (by Internal Bank);
2. Philosophy That Flows In My Soul (oleh Internal Bank); 2. Philosophy That Flows In My Soul (by Internal Bank);
3. Governance, Risk, and Compliance (oleh Internal Bank); 3. Governance, Risk, and Compliance (by Internal Bank);
4. Pembukaan Perdagangan Bursa Efek Indonesia dalam Rangka 4. Opening of Trading on the Indonesia Stock Exchange
Peluncuran Roadmap Pasar Modal Indonesia 2023-2027 in the Context of Launching the 2023-2027 Indonesian
dan Apresiasi Hasil Penilaian ASEAN Corporate Governance Capital Market Roadmap and Appreciating the 2021 ASEAN
Scorecard (ACGS) Tahun 2021 (oleh Bursa Efek Indonesia); Corporate Governance Scorecard (ACGS) Assessment Results
(by Indonesia Stock Exchange);
5. Pendalaman Annual Report (Peraturan Otoritas Jasa 5. In-depth Annual Report Study (Financial Services Authority
Keuangan 29/2016 & Surat Edaran Otoritas Jasa Keuangan Regulation 29/2016 & Financial Services Authority Circular
16/2021) dan Sustainability Report (POJK 51/2017) (oleh 16/2021) and Sustainability Report (POJK 51/2017) (by the
Komite Nasional Kebijakan Governansi); National Governance Policy Committee);
6. Dengar Pendapat Konsep Peraturan Bursa No. I-I Tentang 6. Hearing on the Concept of Exchange Regulation No. I-I on
Pemecahan Saham dan Penggabungan Saham oleh Stock Split and Reverse Stock by Listed Companies that Issue
Perusahaan Tercatat yang Menerbitkan Efek Bersifat Ekuitas Equity Securities (by Indonesia Stock Exchange);
(oleh Bursa Efek Indonesia);
7. Refreshment Sertifikasi Manajemen Risiko Jenjang 5 (oleh 7. Refreshment of Risk Management Certification Level 5 (by
Efektif Pro); Effective Pro);
8. Membentuk Pribadi yang Amanah dan Terpercaya (oleh 8. Shaping a Trustworthy and Trusted Personality (by Internal
Internal Bank); Bank);
9. Outlook Banking Regulation: Tantangan Industri Perbankan, 9. Outlook Banking Regulation: Banking Industry Challenges,
Arah Regulasi, dan Future Banking (oleh Lembaga Regulatory Direction, and Future Banking (by the Indonesian
Pengembangan Perbankan Indonesia); Banking Development Institute);
10. Membangun Keyakinan Nasabah Aset Digital dari Risiko Siber 10. Building Digital Asset Customer Confidence from Cyber Risk
(oleh Otoritas Jasa Keuangan); (by Financial Services Authority);
11. The Future Sustainability Reporting: An Exclusive Forum for 11. The Future Sustainability Reporting: An Exclusive Forum for
Regulators and Listed Companies in Indonesia (oleh Global Regulators and Listed Companies in Indonesia (by Global
Reporting Initiative, Bursa Efek Indonesia); Reporting Initiative, Indonesia Stock Exchange);
12. Seminar Accelerating Sustainable Development: Experiences 12. Seminar of Accelerating Sustainable Development:
from the Frontliners in Promoting Sustainable Bond/Sukuk Experiences from the Frontliners in Promoting Sustainable
Issuances and Investment (oleh Otoritas Jasa Keuangan, Bond/Sukuk Issuances and Investment (by Financial Services
Bursa Efek Indonesia, Asian Development Bank, United Authority, Indonesia Stock Exchange, Asian Development
Nations Development Programme); Bank, United Nations Development Program);
13. Pendalaman Peraturan Otoritas Jasa Keuangan 13. In-depth Financial Services Authority Regulation Study
No. 42/POJK.04/2020 tentang Transaksi Afiliasi dan Transaksi No. 42/POJK.04/2020 on Transactions with Affiliation
Benturan Kepentingan dan POJK No. 17/POJK.04/2020 and Transactions with Conflict of Interest and POJK
tentang Transaksi Material dan Perubahan Kegiatan Usaha No. 17/POJK.04/2020 on Material Transaction and Changes
Utama (oleh Indonesia Corporate Secretary Association); of Main Business Activities (by Indonesia Corporate Secretary
Association);
14. Mengenal Lebih Jauh Pengaturan UU P25K Dalam Rangka 14. Get to Know More about the Provisions of P25K Law in
Penguatan Sektor Pasar Modal (oleh Otoritas Jasa Keuangan); the context of Strengthening the Capital Markets Sector
(by Financial Services Authority);
15. Mini Town Hall (oleh Internal Bank); 15. Mini Town Hall (by Internal Bank);
16. Anti Fraud Management For Leaders Batch 2 (oleh 16. Anti-Fraud Management For Leaders Batch 2 (by PT Kanatta
PT Kanatta Daya Indonesia); Daya Indonesia);
17. Compliance Refreshment Emiten dan Perusahaan Publik 17. Compliance Refreshment for Issuers and Public Companies
(oleh Otoritas Jasa Keuangan dan Bursa Efek Indonesia); (by Financial Services Authority and Indonesia Stock Exchange);
18. Rapat Dengar Pendapat RPOJK Klustering SSK (oleh Otoritas 18. SSK Clustering RPOJK Hearing Meeting (by Financial Services
Jasa Keuangan); Authority);
19. Refreshment Anti Pencucian Uang dan Pencegahan 19. Refreshment of Anti-Money Laundering and Counter-
Pendanaan Terorisme/Pendanaan Proliferasi Senjata Terrorist Financing/Counter-Proliferation Financing of
Pemusnah Massal (oleh Internal Bank); Weapons of Mass Destruction (by Internal Bank);
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20. Sosialisasi Perdagangan Karbon melalui Bursa Karbon 20. Dissemination of Carbon Trading through the Indonesian
Indonesia (IDXCarbon) (oleh Bursa Efek Indonesia); Carbon Exchange (IDXCarbon) (by Indonesia Stock Exchange);
21. Penjelasan atas Peraturan Bursa No. I-A Tahun 2021 Terkait 21. Explanation of Exchange Regulation No. I-A 2021 Regarding
Ketentuan Free Float dan Penggunaan Form E009 pada Sistem Free Float Provisions and Use of Form E009 in IDXnet SPE
Pelaporan SPE IDXnet (oleh Asosiasi Emiten Indonesia); Reporting System (by Indonesian Issuers Association);
22. Sustainable Finance Making Our Sky Become Blue Forever 22. Sustainable Finance Making Our Sky Become Blue Forever
(oleh Otoritas Jasa Keuangan); dan (by Financial Services Authority); and
23. ASEAN Corporate Governance Scorecard (ACGS) 2024 (oleh 23. ASEAN Corporate Governance Scorecard (ACGS) 2024 (by
Otoritas Jasa Keuangan). Financial Services Authority).
Satuan Kerja Audit Internal & Anti Fraud Internal Audit Work Unit & Anti Fraud
Satuan Kerja Audit Internal (SKAI) & Anti Fraud adalah fungsi The Internal Audit (SKAI) & Anti Fraud is an independent function
independen yang secara langsung bertanggung jawab kepada that is directly responsible to the President Director. This function
Direktur Utama. Fungsi ini berperan sebagai mitra bisnis strategis acts as a strategic business partner for all management levels,
bagi seluruh tingkat manajemen, memberikan assurance dan providing independent assurance and consulting to increase
konsultasi independen untuk meningkatkan nilai dan memperbaiki value and improve the Bank’s operations. SKAI & Anti Fraud
operasional Bank. SKAI & Anti Fraud menggunakan pendekatan uses a systematic approach by evaluating and improving the
sistematis dengan mengevaluasi dan meningkatkan efektivitas effectiveness of risk management, control, and bank governance
manajemen risiko, pengendalian, dan proses tata kelola bank. process.
Pedoman SKAI & Anti Fraud SKAI & Anti Fraud Charter
Dalam melaksanakan tugas dan tanggung jawabnya, SKAI & Anti In performing its duties and responsibilities, SKAI & Anti Fraud
Fraud mengacu pada Piagam Audit Internal, Sistem, Prosedur, dan refers to the Internal Audit Charter, Internal Audit System,
Teknik Pemeriksaan Internal, dan Standar Operasional Prosedur Procedure, and Technique, and Anti Fraud Standard Operating
Anti Fraud. Pedoman-pedoman tersebut terus dikaji ulang dan Procedure. Such charters are continuously reviewed and updated
diperbarui sesuai kondisi dan perkembangan organisasi, serta according to the organizational conditions and developments,
mengikuti perubahan peraturan perundang-undangan yang berlaku. and following changes to the applicable laws and regulations.
Tugas dan Tanggung Jawab SKAI & Anti Fraud Duties and Responsibilities of the SKAI & Anti Fraud
Tugas dan tanggung jawab utama SKAI & Anti Fraud sebagai The primary duties and responsibilities of SKAI & Anti Fraud are
berikut: as follows:
1. Membantu tugas Direktur Utama dan Dewan Komisaris 1. Assisting the President Director and Board of Commissioners
dalam melakukan pengawasan dengan cara menjabarkan in monitoring by detailing the operations of planning,
secara operasional baik perencanaan, pelaksanaan, maupun implementation, or monitoring of the audit result;
pemantauan hasil audit;
2. Menyusun dan melaksanakan perencanaan audit tahunan, 2. Preparing and conducting the annual audit planning, among
antara lain analisis dan penilaian di bidang keuangan, others, the analysis and assessment in the fields of finance,
akuntansi, operasional, perkreditan, dan kegiatan lain; accounting, operations, credit, and other activities;
3. Mengidentifikasi segala kemungkinan untuk memperbaiki 3. Identifying all possibilities to improve and enhance the
dan meningkatkan efisiensi penggunaan sumber daya dan efficient use of resources and funds;
dana;
4. Memberikan saran perbaikan dan informasi yang objektif 4. Providing advice for improvement and objective information
tentang kegiatan yang diperiksa pada semua tingkatan on activities audited at all management levels;
manajemen;
5. Memantau, menganalisis, dan melaporkan pelaksanaan 5. Monitoring, analyzing, and reporting the follow-up actions of
tindak lanjut perbaikan yang telah disarankan; the suggested corrective actions;
6. Memberikan penilaian tingkat keyakinan kualitas pelaksanaan 6. Assessing the confidence level of quality of duty implementation
tugas atas proses manajemen risiko, sistem pengendalian of the risk management process, internal control system, and
internal dan tata kelola usaha telah dilaksanakan secara business governance that has been implemented sufficiently
cukup dan efektif di seluruh Unit Kerja Bank Victoria; and effectively in all Work Units of Bank Victoria;
7. Membuat laporan hasil audit dan menyampaikan laporan 7. Preparing the audit result report and submitting the report
tersebut kepada Direktur Utama dan Dewan Komisaris; to the President Director and the Board of Commissioners;
8. Bekerja sama dengan Komite Audit dalam melakukan 8. Cooperating with the Audit Committee in supervising
pengawasan dan memonitor pelaksanaan tindak lanjut and monitoring the implementation of follow-up for
perbaikan atas temuan SKAI; improvements to SKAI findings;
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Tata Kelola Perusahaan
Good Corporate Governance
9. Memberikan saran perbaikan dan informasi yang objektif 9. Providing recommendations for improvement and objective
tentang kegiatan yang diperiksa pada semua tingkatan information on activities audited at all management levels;
manajemen; dan and
10. Melaksanakan fungsi Audit Internal Terintegrasi dalam 10. Performing the functions of Integrated Internal Audit in the
rangka konglomerasi keuangan Grup Victoria. framework of Victoria Group’s financial conglomeration.
Kedudukan dan Struktur SKAI & Anti Fraud Position and Structure of SKAI & Anti Fraud
Kedudukan SKAI & Anti Fraud berada langsung di bawah Direktur The position of SKAI & Anti Fraud is directly under the President
Utama. SKAI & Anti Fraud bertindak independen dan bertanggung Director. SKAI & Anti Fraud acts independently and is directly
jawab secara langsung kepada Direktur Utama. Divisi ini memiliki responsible to the President Director. This division has a direct
jalur komunikasi langsung dengan Komite Audit dan Dewan communication line with the Audit Committee and the Board
Komisaris serta memiliki akses yang tidak terbatas terhadap of Commissioners, has unrestricted access to all activities
seluruh aktivitas di Bank dan merupakan mitra manajemen in the Bank, and is a management partner in realizing GCG
dalam mewujudkan implementasi GCG. Kepala SKAI & Anti Fraud implementation. The Head of SKAI & Anti Fraud is appointed and
diangkat dan diberhentikan oleh Direktur Utama atas persetujuan dismissed by the President Director, with approval from the Board
Dewan Komisaris. Pengangkatan dan pemberhentian tersebut of Commissioners. The appointment and dismissal are reported
dilaporkan kepada regulator. to the regulator.
Profil Kepala Divisi SKAI & Anti Fraud Profile of Head of SKAI & Anti Fraud Division
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
Keputusan Direksi No. 017/SK-DIR/HCM/11/21 tanggal Board of Directors’ Decision No. 017/SK-DIR/HCM/11/21
DJOKO SOENDJOJO 22 November 2021. dated 22 November 2021.
Kepala Divisi SKAI & Anti Fraud Riwayat Pendidikan Education
Head of Corporate Secretary Sarjana Ekonomi dari STIE Malangkucecwara Malang Bachelor of Economics from STIE Malangkucecwara,
Division (1993). Malang (1993).
Rangkap Jabatan Concurrent Positions
Kewarganegaraan Di dalam Bank Victoria: In Bank Victoria:
Nationality Tidak ada. None.
Indonesia / Indonesian
Di luar Bank Victoria: Outside of Bank Victoria:
Tempat Lahir Tidak ada. None.
Place of Birth
Surabaya Riwayat Jabatan History of Position
• Staff Senior Akuntansi dan Keuangan PT Bank • Senior Accounting and Finance Staff of
Usia Andromeda Kantor Pusat Jakarta (1995–1997); PT Bank Andromeda, Jakarta Head Office (1995–1997);
Age • Staff Senior Akuntansi dan Keuangan PT Bank Alfa • Senior Accounting and Finance Staff of PT Bank Alfa
55 tahun / years old BBKU Kantor Pusat Jakarta (1997–1999); BBKU, Jakarta Head Office (1997-1999);
• Staff Administrasi BBO-BBKU BBPN/IBRA Kantor • Administration Staff of BBO-BBKU BBPN/IBRA,
Domisili
Pusat Jakarta (2000–2004); Jakarta Head Office (2000–2004);
Domicile
• Staff Senior Keuangan & Custody Tim Likuidasi • Senior Staff of Finance & Custody of Liquidation
Jakarta
PT Bank Prasidha Utama Kantor Pusat Jakarta Team of PT Bank Prasidha Utama, Jakarta Head
(2004); Office (2004);
• Kepala Seksi Manajemen Risiko Bank Victoria (2005); • Head of Risk Management Section of Bank Victoria
(2005);
• Kepala Seksi Financial Control Bank Victoria • Head of Financial Control Section of Bank Victoria
(2005–2006); (2005-2006);
• Kepala Satuan Kerja Audit Interen (SKAI) Bank • Head of Internal Audit Unit (IAU) of Bank Victoria
Victoria (2006); dan (2006); and
• Kepala Divisi Administrasi Pengkreditan Bank Victoria • Head of Credit Administration Division of Bank
(2015-2018). Victoria (2015-2018).
Sertifikasi Certification
• Sertifikasi Audit Intern Level Supervisor dari Lembaga • Supervisor Level of Internal Audit Certification
Sertifikasi Profesi Perbankan (2022-2026); dan from the Banking Profession Certification Institute
(2022-2026); and
• Sertifikasi Manajemen Risiko Level 4 dari Lembaga • Risk Management Certification Level 4 from
Sertifikasi Profesi Perbankan (2022-2024). the Banking Profession Certification Institute
(2022-2024).
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Does not have any affiliation with members of Board
Dewan Komisaris, anggota Direksi, serta Pemegang of Commissioners, members of Board of Directors, and
Saham Utama dan Pengendali. Main and Controlling Shareholders.
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Komposisi dan Sertifikasi Profesi SKAI & Anti Composition and Professional Certification of
Fraud SKAI & Anti Fraud
Pada tahun 2023, terdapat 8 (delapan) orang personel SKAI & In 2023, there were 8 (eight) personnel of SKAI & Anti Fraud.
Anti Fraud. Anggota SKAI & Anti Fraud memiliki pendidikan Members of SKAI & Anti Fraud have adequate education and
dan kompetensi yang memadai sebagai auditor dan telah competency as auditors and have received certification in
mendapatkan sertifikasi dalam manajemen risiko perbankan banking risk management in accordance with the provisions of
sesuai ketentuan Bank Indonesia. Berikut sertifikasi profesi yang Bank Indonesia. The following are professional certification held
dimiliki personel SKAI & Anti Fraud Bank: by the Bank’s SKAI & Anti Fraud personnel:
Nama Jabatan Sertifikasi Masa Berlaku Penyelenggara
Name Position Certifications Validity Period Organizer
SERTIFIKASI AUDIT INTERNAL / INTERNAL AUDIT CERTIFICATION
Djoko Soendjojo Kepala Divisi Level Auditor Supervisor 5 Desember 2026 Lembaga Sertifikasi Profesi Perbankan
Head of Division Supervisor Auditor Level 5 December 2026 Banking Profession Certification Institution
Ferry A Deuning Kepala Unit Level Auditor 24 Agustus 2023 Lembaga Sertifikasi Profesi Perbankan
Head of Unit Auditor Level 24 August 2023 Banking Profession Certification Institution
Joel Eka M Krissata Senior Officer Level Supervisor 5 Desember 2026 Lembaga Sertifikasi Profesi Perbankan
Supervisor Level 5 December 2026 Banking Profession Certification Institution
Fadillah Syarif Senior Officer Level Supervisor 5 Desember 2026 Lembaga Sertifikasi Profesi Perbankan
Supervisor Level 5 December 2026 Banking Profession Certification Institution
Jantamen Simanjuntak Officer Level Auditor 5 Desember 2026 Lembaga Sertifikasi Profesi Perbankan
Auditor Level 5 December 2026 Banking Profession Certification Institution
Diah Rucihto Januar Level Auditor - - -
Auditor Level
Yohanes Reynaldi Level Auditor - - -
Auditor Level
Made Putera Kemara Level Auditor Level Auditor 6 Februari 2025 Lembaga Sertifikasi Profesi Perbankan
Auditor Level Auditor Level 6 February 2025 Banking Profession Certification Institution
SERTIFIKASI MANAJEMEN RISIKO / RISK MANAGEMENT CERTIFICATION
Djoko Soendjojo Kepala Divisi Manajemen Risiko Level 4 7 September 2024 Lembaga Sertifikasi Profesi Perbankan
Head of Division Risk Management Level 4 Banking Profession Certification Institution
Ferry A Deuning Kepala Unit Manajemen Risiko Level 3 8 Desember 2024 Lembaga Sertifikasi Profesi Perbankan
Head of Unit Risk Management Level 3 8 December 2024 Banking Profession Certification Institution
Joel Eka M Krissata Senior Officer Manajemen Risiko Level 3 26 September 2024 Lembaga Sertifikasi Profesi Perbankan
Risk Management Level 3 Banking Profession Certification Institution
Fadillah Syarif Senior Officer Manajemen Risiko Level 3 26 September 2024 Lembaga Sertifikasi Profesi Perbankan
Risk Management Level 3 Banking Profession Certification Institution
Jantamen Simanjuntak Officer Manajemen Risiko Level 1 22 November 2026 Lembaga Sertifikasi Profesi Perbankan
Risk Management Level 1 Banking Profession Certification Institution
Diah Rucihto Januar Senior Officer - - -
Yohanes Reynaldi Officer Manajemen Risiko Level 1 29 November 2026 Lembaga Sertifikasi Profesi Perbankan
Risk Management Level 1 Banking Profession Certification Institution
Made Putera Kemara Officer Manajemen Risiko Level 1 15 Februari 2024 Badan Sertifikasi Manajemen Risiko
Risk Management Level 1 15 February 2024 Risk Management Certification Institution
CERTIFICATE ANTI FRAUD MANAGER
Ferry A Deuning Kepala Unit Certificate Anti Fraud Manager 2 November 2024 Asia Anti Fraud
Head of Unit
Joel Eka M Krissata Senior Officer Certificate Anti Fraud Manager 29 September 2023 Asia Anti Fraud
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Tata Kelola Perusahaan
Good Corporate Governance
Rapat SKAI & Anti Fraud SKAI & Anti Fraud’s Meeting
SKAI & Anti Fraud rutin mengadakan rapat dengan Komite SKAI & Anti Fraud regularly holds meetings with Audit
Audit, Direksi, dan Dewan Komisaris setidaknya 4 (empat) kali Committee, Board of Directors, and Board of Commissioners at
dalam setahun. Pada setiap pertemuan, SKAI & Anti Fraud least 4 (four) times in a year. At each meeting, SKAI & Anti Fraud
menyampaikan laporan hasil pemeriksaan audit triwulan. Pada submits a report of audit results every quarter. In 2023, SKAI &
tahun 2023, SKAI & Anti Fraud telah menggelar 12 (dua belas) Anti Fraud conducted 12 (twelve) meetings with the Board of
rapat dengan Dewan Komisaris, Direksi, dan/atau Komite Audit. Commissioners, Board of Directors, and/or Audit Committee.
Agenda Rapat SKAI & Anti Fraud Meeting Agenda for SKAI & Anti Fraud
Agenda rapat SKAI & Anti Fraud dan Direksi meliputi rencana kerja The agenda for the SKAI & Anti Fraud meeting with the Board
SKAI & Anti Fraud tahun 2023, laporan pokok-pokok semester of Directors encompasses the SKAI & Anti Fraud work plan
II tahun 2022 dan pakta integritas, laporan hasil pemeriksaan for the year 2023, highlights of the second semester report
SKAI & Anti Fraud, hasil pemeriksaan KCU BIP dan commercial of 2022 and the integrity pact, SKAI & Anti Fraud inspection
large periode Januari 2023, laporan hasil pemeriksaan SKAI & findings, inspection results of the BIP branch and commercial
Anti Fraud dan pemeriksaan khusus, dan pembahasan capital large clients for the period of January 2023, SKAI & Anti Fraud
expenditure dan operating expenditure 2024. Sementara agenda inspection results and special inspections, as well as discussions
rapat SKAI & Anti Fraud dengan Dewan Komisaris dan Komite on capital expenditure and operating expenditure for 2024.
Audit meliputi realisasi audit triwulan III dan triwulan IV tahun Meanwhile, the agenda for the SKAI & Anti Fraud meeting with
2022, realisasi rencana audit triwulan IV tahun 2022 dan triwulan the Board of Commissioners and the Audit Committee includes
I tahun 2023, draft laporan evaluasi SKAI & Anti Fraud BVI, the realization of the third and fourth quarter audits for the year
realisasi rencana audit triwulan II tahun 2023, rencana audit 2022, realization of the fourth quarter audit plan for 2022 and
triwulan III tahun 2023, dan realisasi rencana audit triwulan IV the first quarter of 2023, draft evaluation report of SKAI & Anti
sampai dengan 15 Desember 2023. Fraud BVI, realization of the second quarter audit plan for 2023,
audit plan for the third quarter of 2023, and realization of the
fourth quarter audit plan until 15 December 2023.
Rencana dan Realisasi Pelaksanaan Kerja SKAI & Work Plan and Realization of SKAI & Anti Fraud
Anti Fraud
Setiap tahun, SKAI & Anti Fraud menyusun rencana kerja sebagai Every year, SKAI & Anti Fraud prepares a work plan as a guide
panduan untuk melaksanakan kegiatan pemeriksaan tahunan in conducting annual audit effectively. In 2023, the number of
dengan efektif. Pada tahun 2023, jumlah rencana dan realisasi plans and actual audits conducted by SKAI & Anti Fraud were as
pemeriksaan oleh SKAI & Anti Fraud sebagai berikut: follows:
Pencapaian
Jenis Pemeriksaan Rencana Audit Realisasi Audit
Achievement
Type of Audit Audit Plan Actual Audit
(%)
Pemeriksaan Kantor Cabang Utama
14 14 100.00
Audit of Main Branch Office
Pemeriksaan Unit Kerja Bisnis
5 5 100.00
Audit of Business Unit
Pemeriksaan Unit Kerja Non-Bisnis
7 7 100.00
Audit of Non-Business Units
Temuan dan Tindak Lanjut Hasil Audit Findings and Follow-Up on Audit Results
Pada tahun 2023, hasil audit menghasilkan temuan yang telah The audit carried out in 2023 resulted findings reported to the
dilaporkan kepada Dewan Komisaris dan Direksi. Temuan tersebut Board of Commissioners and Board of Directors. These findings
menghasilkan rekomendasi yang harus ditindaklanjuti oleh resulted in recommendations that must be followed-up by the
auditee. Rekomendasi yang telah diselesaikan akan diinformasikan auditee. Completed recommendations will be informed to the
kepada auditee dan Direksi, sementara rekomendasi yang auditee and Board of Directors, while pending recommendations
masih tertunda akan terus dipantau penyelesaiannya oleh SKAI will continuously be monitored for the completion by SKAI & Anti
& Anti Fraud. Jumlah temuan hasil audit di sepanjang tahun Fraud. Throughout the year 2023, there were a total of 681 audit
2023 sebanyak 681 temuan, 571 temuan atau 83,85% telah findings. Of these, 571 findings, or 83.85%, have been addressed,
ditindaklanjuti dan sebanyak 110 temuan atau 16,15% masih while 110 findings, or 16.15%, are still undergoing improvement
dalam proses perbaikan. processes.
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Pelatihan dan/atau Peningkatan SKAI & Anti SKAI & Anti Fraud’s Training and/or
Fraud Improvement
Selama tahun 2023, SKAI & Anti Fraud telah mengikuti pelatihan Throughout 2023, SKAI & Anti Fraud attended training and/or
dan/atau peningkatan kompetensi sebagai berikut: competency developments as follows:
1. Fundametnal IT Audit for Internal Auditor: Planning, Performing 1. Fundamental IT Audit for Internal Auditor: Planning,
and Presenting (oleh PT Andalan Teknologi Inovasi); Performing and Presenting (by PT Andalan Teknologi Inovasi);
2. Risk Based Audit (oleh PT Kanatta Daya Indonesia); 2. Risk Based Audit (by PT Kanatta Daya Indonesia);
3. Induction Program (oleh Bank Victoria); 3. Induction Program (by Bank Victoria);
4. Philosophy that Flows in My Soul (oleh Bank Victoria); 4. Philosophy that Flows in My Soul (by Bank Victoria);
5. Governance, Risk, and Compliance (oleh Bank Victoria); 5. Governance, Risk, and Compliance (by Bank Victoria);
6. Building Trust and Transparancey (oleh Paques); 6. Building Trust and Transparency (by Paques);
7. Global Professional Accountant: Technology, Skills and 7. Global Professional Accountant: Technology, Skills and
Globalization (oleh Perbanas Institute dan Institut Akuntan Globalization (by Perbanas Institute and Institute of Public
Publik Indonesia); Accountants Indonesia);
8. Pencegahan, Pendeteksian dan Pengendalian Fraud (oleh 8. Fraud Prevention, Detection and Control (by PT Globe
PT Globe Persada Indonesia); Persada Indonesia);
9. Liquidity Coverage Ratio (LCR) and Net Stable Funding 9. Liquidity Coverage Ratio (LCR) and Net Stable Funding
Ration (NSFR) (Peraturan Otoritas Jasa Keuangan Ration (NSFR) (Financial Services Authority Regulation
No. 42/POJK.03/2015 dan Peraturan Otoritas Jasa Keuangan No. 42/POJK.03/2015 and Financial Services Authority
No. 50/POJK.03/2017) (oleh Risiko Manajemen Gagasan); Regulation No. 50/POJK.03/2017) (by Risk Management Ideas);
10. Investigasi Audit Forensik sebagai Cara Pencegahan dan 10. Forensic Audit Investigation as a Way of Fraud Prevention
Mitigasi Fraud (oleh Banking Finance Development Center); and Mitigation (by Banking Finance Development Center);
11. Team Building dan Outbond: Working Together in Harmony 11. Team Building and Outbound: Working Together in Harmony
(oleh Bank Victoria); (by Bank Victoria);
12. Audit Kredit Bank Berbasis Manajemen Risiko (oleh Lembaga 12. Risk Management Based Bank Credit Audit (by Information
Pusat Studi Informasi); Study Center Institute);
13. Refreshment Sertifikasi Manajemen Risiko: Risk in Digital 13. Risk Management Certification Refreshment: Risk in Digital
World (oleh PT Efektifpro Knowledge Source); World (by PT Efektifpro Knowledge Source);
14. Membangun keyakinan Nasabah Aset Digital dari Risiko Siber 14. Building Customer Confidence in Digital Assets from Cyber
(oleh Otoritas Jasa keuangan Institute); Risk (by Financial Services Authority Institute);
15. ISO 27001 tentang Sistem Manajemen Keamanan Informasi 15. ISO 27001 on Information Security Management System (by
(oleh Veda Praxis); Veda Praxis);
16. Outlook Banking Regulation: Tantangan Industri Perbankan, 16. Banking Regulation Outlook: Banking Industry Challenges,
Arah Regulasi, dan Future Banking (oleh Lembaga Regulatory Directions, and Future Banking (by Indonesian
Pengembangan Perbankan Indonesia); Banking Development Institute);
17. Identifikasi Dokumen dan Pemeriksaan Keaslian Mata Uang 17. Document Identification and Authenticity Check of Paper
Kertas (Rupiah dan Valas) - Batch 4 (oleh PT Andara Sarana); Currency (Rupiah and Forex) - Batch 4 (by PT Andara Sarana);
18. Bank Victoria Mendukung Penuh Pemerintah dalam 18. Bank Victoria Fully Supports the Government in Preventing
Mencegah Anti Pencucian Uang dan Pendanaan Terorisme Anti-Money Laundering and Financing of Terrorism (AML/
(APU dan PPT) (oleh PT Andara Sarana); CFT) (by PT Andara Sarana);
19. Refreshment Pencegahan Tindak Pidana Pencucian Uang, 19. Refreshment on Prevention of Money Laundering, Prevention
Pencegahan Pendanaan Terorisme dan Pencegahan of Financing of Terrorism and Prevention of Financing of
Pendanaan Proliferasi Senjata Pemusnah Massal berdasarkan Proliferation of Weapons of Mass Destruction based on
Peraturan Otoritas Jasa Keuangan No. 8 Tahun 2023 (oleh Financial Services Authority Regulation No. 8 of 2023 (by PT
PT Andara Sarana); Andara Sarana);
20. Refreshment Financial Integrity Rating (FIR) dan Tindak 20. Refreshment of Financial Integrity Rating (FIR) and
Pidana Pencucian Uang (TPPU) Jelang Pemilu 2024 Money Laundering Crimes Ahead of the 2024 Election
(oleh PT Andara Sarana); (by PT Andara Sarana);
21. Expert Sharing Outlook Banking Regulation (oleh Lembaga 21. Expert Sharing Outlook Banking Regulation (by the
Pengembangan Perbankan Indonesia); Indonesian Banking Development Institute);
22. Coaching and Sharing Kepala Operasional (oleh Bank 22. Coaching and Sharing Head of Operations (by Bank Victoria);
Victoria);
23. Revitaslisasi Komptensi Surat Pemberitahuan Tahunan 23. Revitalization of Annual Notification Letter Competency (by
(oleh Forum Komunikasi Satuan Pengawasan Intern Wilayah Communication Forum for Internal Audit Units in West Java -
Jawa Barat – Banten); Banten Region);
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 235
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Tata Kelola Perusahaan
Good Corporate Governance
24. Compliance Risk for Financial Technology, Lembaga 24. Compliance Risk for Financial Technology, Indonesian
Pengembangan Perbankan Indonesia dan Fintech Indonesia Banking Development Institute and Fintech Indonesia (by
(oleh Asosiasi FinTech Indonesia); Indonesian FinTech Association);
25. Meningkatkan Efektivitas Sinergi Kerja Fungsi SKAI, 25. Improving the Effectiveness of Work Synergy of SKAI,
Kepatuhan dan Risiko (oleh Equivalent Training Center); Compliance and Risk Functions (by Equivalent Training Center);
26. Buka Puasa Bersama 2023 (oleh Bank Victoria); 26. Breaking the Fast Together 2023 (by Bank Victoria);
27. Anti Fraud Management for Leaders Batch 2 (oleh Kanatta 27. Anti Fraud Management for Leaders Batch 2 (by Kanatta
Daya); Daya);
28. Webinar Forensic Audit (oleh Universitas Sarjanawiyata 28. Forensic Audit Webinar (by Sarjanawiyata Tamansiswa
Tamansiswa); University);
29. Sosialisasi Kebijakan Risk Register (oleh Bank Victoria); 29. Socialization of Risk Register Policy (by Bank Victoria);
30. National Anti Fraud Conference 2023 (oleh Association of 30. National Anti Fraud Conference 2023 (by Association of
Certified Fraud Examiners); Certified Fraud Examiners);
31. Refreshment Laporan Hasil Penilaian Kepatuhan (LHPK) 31. Refreshment of Compliance Assessment Report (LHPK) of
Sistem Pembayaran dan Financial Market Infrastructure Bank Payment System and Financial Market Infrastructure of Bank
Indonesia serta Kantor Pengelola Daftar Hitam Nasional Indonesia and National Blacklist Management Office (SP and
(SP dan FMI BI serta KPDHN) Tahun 2023 (oleh Bank Indonesia); FMI BI and KPDHN) in 2023 (by Bank Indonesia);
32. Expert Sharing Session - Keuangan Berkelanjutan (oleh 32. Expert Sharing Session - Sustainable Finance (by Financial
Otoritas Jasa Keuangan Institute); Services Authority Institute);
33. Induction Training Program (oleh Bank Victoria); dan 33. Induction Training Program (by Bank Victoria); and
34. Sosialisasi/Focus Group Discussion Compliance Champion - 34. Socialization/Focus Group Discussion Compliance Champion -
Budaya Kepatuhan (oleh Bank Victoria). Compliance Culture (by Bank Victoria).
Akuntan Publik
Public Accountant
Audit eksternal oleh pihak independen diperlukan untuk External audit by an independent party is necessary to ensure
memastikan akuntabilitas informasi terutama pada aspek information accountability, particularly in financial aspect
keuangan agar Bank dapat menentukan langkah strategis dan so that the Bank can determine the right strategic steps and
kebijakan yang mendukung keberlanjutan bisnis. Sesuai dengan policies to support business sustainability. Pursuant to the
Peraturan Otoritas Jasa Keuangan No. 32/POJK.03/2016, audit Financial Services Authority Regulation No. 32/POJK.03/2016,
Laporan Keuangan Bank dilakukan oleh akuntan publik yang audits on the Bank’s Financial Statements are conducted by
independen, kompeten, profesional, dan objektif sesuai Standar an independent, competent, professional, and objective public
Profesional Akuntan Publik. Penunjukan akuntan publik untuk accountant in accordance with Public Accountant Professional
memberikan jasa audit harus diputuskan oleh RUPS dengan Standards. The appointment of public accountant to provide
mempertimbangkan usulan Dewan Komisaris. audit services shall be resolved by the GMS with due observance
of the Board of Commissioners’ proposal.
Informasi Jasa Assurance dan/atau Information on Assurance and/or
Non Assurance yang Diberikan Akuntan Non-Assurance Services Provided by Public
Publik atau Kantor Akuntan Publik dan/atau Accountant or Public Accounting Firm and/
Afiliasi atau Jaringannya or its Affiliates or Network
Berdasarkan Peraturan Otoritas Jasa Keuangan Pursuant to the Financial Services Authority Regulation
No. 13/POJK.03/2017, audit atas Laporan Keuangan Bank No. 13/POJK.03/2017, audits on the Bank’s Financial Statements
dilakukan oleh akuntan publik maksimal selama 3 (tiga) tahun are conducted by public accountant for 3 (three) consecutive
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buku secara berturut-turut. Oleh karena itu, Bank Victoria fiscal years at most. Therefore, Bank Victoria presents a list of
menyajikan daftar kantor akuntan publik, akuntan publik, jasa public accounting firms, public accountants, services provided,
yang diberikan, dan nilai imbalan jasa (honorarium) untuk audit and honorarium given in regard of auditing Bank Victoria’s
Laporan Keuangan Konsolidasian Bank Victoria selama 5 (lima) Consolidated Financial Statements for the last 5 (five) years.
tahun terakhir.
Tahun Buku
Uraian Fiscal Year
Description
2023 2022 2021 2020 2019
Kantor Akuntan Publik Purwantono, Sungkoro & Surja (member of Ernst & Young) Tanudiredja, Wibisana, Rintis dan Rekan
Public Accounting Firm (member of Pricewaterhouse Cooper)
Tanudiredja, Wibisana, Rintis and Partners
(member of Pricewaterhouse Cooper)
Akuntan Publik Yovita Yovita Yovita Jimmy Pangestu, SE Jimmy Pangestu, SE
Public Accountant
Nomor Izin Akuntan Publik
AP. 0242 AP. 0242 AP. 0242 AP. 1124 AP. 1124
Public Accountant License Number
Masa Kontrak Januari-Desember
Contract Period January-December
Biaya (Rp)
1,650,000,000 2,320,000,000 1,550,000,000 1,700,000,000 1,500,000,000
Fee (Rp)
Jasa Non-Audit yang Diberikan Akuntan Non-Auditing Services Provided by Public
Publik Accountant
Selama tahun 2023, tidak terdapat jasa lain yang diberikan oleh Throughout 2023, there were no other services provided by Public
Kantor Akuntan Publik Purwantono, Sungkoro & Surja selain jasa Accounting Firm Purwantono, Sungkoro & Surja office other than
audit Laporan Keuangan Tahun Buku 2023. Dengan demikian, auditing services for Financial Statements for 2023 fiscal year. As
tidak terdapat biaya yang dikeluarkan untuk jasa non-audit. such, there was no expense incurred for non-audit services.
Koordinasi Akuntan Publik dengan Auditor Coordination between Public Accountant and
Internal dan Komite Audit Internal Auditor and Audit Committee
Bank secara konsisten meningkatkan komunikasi antara akuntan The Bank consistently improves communication between the
publik, auditor internal, dan Komite Audit untuk mengurangi public accountant, internal auditor, and Audit Committee to
kendala selama proses audit serta memastikan bahwa proses reduce constraints that may occur during the audit process and
audit sesuai dengan Standar Profesional Akuntan, perjanjian to ensure that the audit process is in accordance with Accountant
kerja, ruang lingkup audit yang telah ditetapkan, serta selesai Professional Standards, work agreement, audit scope that
sesuai target waktu. Bank secara rutin mengadakan pertemuan has been determined, and completed according to the target
untuk membahas masalah yang mungkin muncul dan menangani time. The Bank regularly holds meetings to address issues that
perbedaan pendapat antara akuntan publik dan auditor internal. may arise and handle dissenting opinion between the public
accountant and the internal auditor.
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Tata Kelola Perusahaan
Good Corporate Governance
Sistem Pengendalian Internal
Internal Control System
Sistem Pengendalian Internal (SPI) merupakan komponen The Internal Control System (SPI) is an important component
penting dalam manajemen dan operasional Bank. Efektivitas in the Bank’s management and operations. The effectiveness
SPI membantu menjaga aset bank, memastikan pelaporan of SPI helps maintain Bank’s assets, ensure reliable financial
keuangan dan manajerial yang dapat dipercaya, meningkatkan statements and managerial reports, improve compliance with
kepatuhan terhadap peraturan, dan mengurangi risiko kerugian, regulations, and reduce risk of losses, deviation, and breaches of
penyimpangan, serta pelanggaran aspek kehati-hatian. prudential aspects.
Ruang Lingkup Pengendalian Internal Internal Control Scope
Bank Victoria menerapkan SPI dengan merujuk pada Surat Bank Victoria applies SPI by referring to the Financial Services
Edaran Otoritas Jasa Keuangan No. 35/SEOJK.03/2017 tentang Authority Circular No. 35/SEOJK.03/2017 on Guidelines for
Pedoman Standar Sistem Pengendalian Internal bagi Bank Standards of Internal Control System for Commercial Banks. The
Umum. Tanggung jawab implementasi pengendalian internal responsibility for implementing reliable and effective internal
yang andal dan efektif di Bank melibatkan seluruh pihak dalam control at the Bank involves all parties in the organization,
organisasi, meliputi: including:
1. Direksi 1. Board of Directors
Bertanggung jawab menciptakan dan memelihara Responsible for creating and maintaining effective internal
pengendalian internal yang efektif, serta memastikan bahwa control, and ensuring that the system runs safely and reliably
sistem tersebut berjalan secara aman dan andal sesuai in accordance with the internal control objectives specified
dengan tujuan pengendalian internal yang telah ditetapkan by the Bank.
oleh Bank.
2. Dewan Komisaris 2. Board of Commissioners
Bertanggung jawab mengawasi pelaksanaan pengendalian Responsible for supervising the implementation of internal
internal secara umum, termasuk kebijakan Direksi yang control in general, including the Board of Directors’ policies
menetapkan pengendalian internal. that establish internal control.
3. SKAI & Anti Fraud 3. SKAI & Anti Fraud
Bertanggung jawab mengevaluasi dan berperan aktif Responsible for evaluating and taking an active role in
dalam meningkatkan efektivitas pengendalian internal improving the effectiveness of internal control on an ongoing
secara berkesinambungan, berkaitan dengan pelaksanaan basis, in relation to the implementation of the Bank’s
operasional Bank yang berpotensi menimbulkan kerugian operations that may potentially incur losses in achieving the
dalam pencapaian sasaran yang telah ditetapkan oleh targets specified by the management. In this regard, the Bank
manajemen. Terkait hal ini, Bank senantiasa memastikan agar consistently ensures that reporting channels are adequate
jalur pelaporan telah memadai dan auditor internal telah and that internal auditors have the expertise, particularly
memiliki keahlian, khususnya terkait praktik dan penerapan regarding the practice and application of risk assessments.
penilaian risiko.
4. Pejabat Eksekutif dan Karyawan 4. Executive Officers and Employees
Bertanggung jawab melaksanakan pengendalian internal Responsible for implementing the internal control
yang telah ditetapkan oleh manajemen Bank. Melalui established by the Bank’s management. Through effective
pengendalian internal yang efektif, tanggung jawab Pejabat internal control, the responsibilities of Executive Officers
Eksekutif dan karyawan Bank akan meningkat, mendorong and Bank employees will improve and promote an adequate
budaya risiko yang memadai, serta mempercepat proses risk culture, as well as accelerate the process of identifying
identifikasi terhadap praktik perbankan yang tidak sehat dan unhealthy banking practices and organization through an
terhadap organisasi melalui sistem deteksi dini yang efisien. efficient early-detection system.
5. Pihak Eksternal 5. External Parties
Antara lain meliputi Otoritas Jasa Keuangan, auditor Among others including the Financial Services Authority,
eksternal, dan nasabah Bank yang berkepentingan terhadap external auditors, and Bank’s customers who have an interest
terlaksananya pengendalian internal yang andal dan efektif. in the implementation of reliable and effective internal
controls.
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Dewan Komisaris dan Direksi juga memiliki peran khusus dalam The Board of Commissioners and Board of Directors also
memastikan komitmen, perilaku, kepedulian, dan implementasi have a particular role in ensuring appropriate commitments,
pengendalian internal yang tepat dalam seluruh kegiatan behaviors, concerns, and implementation of internal controls in
operasional Bank. Untuk itu, Dewan Komisaris dan Direksi the Bank’s operational activities. For this reason, the Board of
menetapkan unsur-unsur lingkungan pengendalian, yaitu: Commissioners and Board of Directors established elements of
controlled environment, namely:
1. Struktur organisasi yang memadai; 1. Sufficient organizational structure;
2. Gaya kepemimpinan dan filosofi manajemen Bank; 2. Bank’s leadership style and management philosophy;
3. Integritas dan nilai-nilai etika, serta kompetensi seluruh 3. Integrity and ethical values, as well as the competence of all
karyawan; employees;
4. Kebijakan dan prosedur human capital Bank; 4. Bank’s human capital policies and procedures;
5. Atensi dan arahan manajemen Bank dan Komite lainnya, 5. Attention and direction of the Bank’s management and other
seperti Komite Pemantau Risiko; dan Committees, such as Risk Monitoring; and
6. Faktor-faktor eksternal yang memengaruhi operasional Bank 6. External factors affecting the Bank’s operations and the risk
dan penerapan manajemen risiko. management implementation.
Dalam menetapkan unsur-unsur lingkungan pengendalian dan In determining the elements of the controlled environment and
mengimplementasikan pengendalian internal yang efektif, Bank implementing effective internal controls, the Bank considers
mempertimbangkan beberapa faktor, antara lain: several factors, including:
1. Total aset; 1. Total assets;
2. Jenis produk dan aktivitas yang ditawarkan, termasuk produk 2. The types of products and activities offered, including new
dan aktivitas baru; products and activities;
3. Kompleksitas operasional, termasuk jaringan kantor; 3. Operational complexity, including office network;
4. Profil risiko dari setiap kegiatan usaha; 4. Risk profile of each business activity;
5. Metode yang digunakan untuk pengolahan data dan 5. Methods used for data and information technology
teknologi informasi, serta metodologi yang diterapkan untuk processing, as well as methodology applied for risk
pengukuran, pemantauan, dan pembatasan (limit) risiko; measurement, monitoring, and limit; and
serta
6. Ketentuan dan peraturan perundang-undangan. 6. Provisions and laws and regulations.
Kesesuaian Pengendalian Internal dengan Conformity of Internal Control with COSO
Kerangka COSO Framework
Bank menerapkan SPI dengan 3 (tiga) tujuan utama, yaitu The Bank implements SPI with 3 (three) main objectives, namely
efektivitas operasional, keandalan pelaporan, dan kepatuhan operational effectiveness, reporting reliability, and compliance
kepada ketentuan yang berlaku. Implementasi SPI ini mengacu with applicable regulations. The SPI implementation refers to
pada kerangka pengendalian internal yang dikembangkan oleh the internal control framework developed by the Committee
Committee of Sponsoring Organizations of Treadway Commission of Sponsoring Organizations of Treadway Commission (COSO).
(COSO). COSO membagi pengendalian internal dalam 5 (lima) COSO divides internal control into 5 (five) interrelated
komponen yang saling terkait, yaitu: components, which are:
1. Lingkungan pengendalian; 1. The controlled environment;
2. Penilaian risiko; 2. Risk assessment;
3. Aktivitas pengendalian; 3. Controlled activities;
4. Informasi dan komunikasi; dan 4. Information and communication; and
5. Kegiatan pemantauan. 5. Monitoring activity.
Komponen Pengendalian Internal Internal Control Components
Bank memiliki 5 (lima) komponen pengendalian internal yang The Bank has 5 (five) interrelated internal control components,
saling berkaitan, dengan uraian sebagai berikut: described as follows:
1. Pengawasan oleh Manajemen dan Budaya Pengendalian 1. Control by the Management and Control Culture
a. Dewan Komisaris bertanggung jawab untuk mengesahkan a. The Board of Commissioners is responsible for validating
dan mengkaji kebijakan dan strategi usaha Bank, and reviewing the Bank’s business policies and
memahami dan mengendalikan risiko utama Bank, strategies, understanding and controlling the Bank’s
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Tata Kelola Perusahaan
Good Corporate Governance
menetapkan struktur organisasi, dan memastikan main risks, determining the organizational structure,
pemantauan efektivitas implementasi SPI; dan and ensuring the monitoring of the effectiveness of SPI
implementation; and
b. Direksi bertanggung jawab untuk melaksanakan kebijakan b. The Board of Directors is responsible for implementing
dan strategi Dewan Komisaris, mengembangkan policies and strategies of the Board of Commissioners,
prosedur pengendalian risiko, mempertahankan struktur developing risk control procedure, maintaining a
organisasi yang jelas, menetapkan kebijakan dan prosedur clear organizational structure, establishing internal
pengendalian internal, dan memantau efektivitas SPI. control policies and procedures, and monitoring the
effectiveness of SPI.
Dalam melaksanakan tanggung jawab tersebut, Dewan In carrying out these responsibilities, the Board of
Komisaris dan Direksi bertanggung jawab untuk meningkatkan Commissioners and Board of Directors are responsible
etika kerja dan integritas dalam menciptakan budaya organisasi for improving work ethics and integrity in creating an
yang menekankan pentingnya pengendalian internal di Bank. organizational culture that emphasizes the importance of
Hal ini dilakukan dengan: internal control in the Bank. This is done by:
a. Menjadi panutan bagi seluruh karyawan, dengan komitmen a. Being role models to all employees, with a high personal
pribadi tinggi terhadap pengembangan Bank yang sehat; commitment to the development of a sound Bank;
b. Mengelola human capital dengan menempatkan karyawan b. Managing human capital by placing employees in
sesuai keterampilan, pengetahuan, dan perilaku; dan accordance with their skills, knowledge, and behavior; and
c. Meningkatkan kesadaran karyawan tentang efektivitas c. Raising employee awareness on the effectiveness of their
tugas dan tanggung jawab mereka, serta mendorong duties and responsibilities, and encouraging employees
karyawan untuk mengomunikasikan setiap permasalahan to communicate to relevant management regarding
dalam kegiatan operasional Bank kepada manajemen every problem in the Bank’s operational activities.
terkait.
Seluruh kebijakan, standar, dan prosedur operasional All of the operational policies, standards, and procedures
didokumentasikan untuk mendukung efisiensi penerapan are documented to support the efficient implementation of
budaya pengendalian. Bank juga mengelola kebijakan untuk the control culture. The Bank also manages policy to avoid
menghindari peluang penyimpangan atau pelanggaran guna opportunities of deviation or violation in order to strengthen
memperkuat nilai-nilai etika. ethical value.
2. Identifikasi dan Penilaian Risiko 2. Risk Identification and Assessment
Untuk mengidentifikasi, menganalisis, dan menilai risiko To identify, analyze, and assess risks that will be faced, the
yang dihadapi, Direksi Bank melakukan penilaian risiko. Bank Bank’s Board of Directors conducts risk assessment. The
secara berkelanjutan memantau dan mengidentifikasi semua Bank continuously monitors and identifies all types of risks,
jenis risiko, menetapkan limit dan teknik pengendalian risiko establishes such risk limit and control technique with the
dengan bantuan auditor internal sehingga cakupan audit assistance of the internal auditor for wider audit coverage. In
lebih luas. Jika risiko belum terkendali, Bank akan melakukan the event that the risk has not been controlled, the Bank will
peninjauan ulang pengendalian internal. re-assess the internal control.
3. Kegiatan Pengendalian Internal dan Pemisahan Fungsi 3. Activities of Internal Control and Separation of Functions
Kegiatan pengendalian internal di Bank direncanakan dan Internal control activities at the Bank are planned and
dipantau secara efektif. Kegiatan pengendalian internal Bank monitored effectively. The Bank’s internal control activities
mencakup kebijakan, prosedur, dan praktik yang diuraikan include policies, procedures, and practices described as
sebagai berikut: follows:
a. Kaji Ulang Manajemen a. Management Review
Direksi sebagai top level management melakukan kaji The Board of Directors as top-level management
ulang melalui rapat berkala bersama Dewan Komisaris reviews through regular meetings with the Board of
dan SKAI & Anti Fraud. Rapat tersebut membahas Commissioners and SKAI & Anti Fraud. Such meetings
Laporan Hasil Pemeriksaan Audit untuk kaji ulang hasil discuss the Audit Result Report to review the results of
pemeriksaan rutin dan khusus. routine and special audits.
b. Kaji Ulang Kinerja Operasional b. Operational Performance Review
SKAI & Anti Fraud secara rutin berkomunikasi dengan SKAI & Anti Fraud regularly communicates with
komite-komite di bawah Direksi seperti ALCO, Komite committees under the Board of Directors such as ALCO,
Manajemen Risiko, dan Komite GCG untuk memastikan Risk Management Committee, and GCG Committee to
pengendalian internal pada level operasional. ensure that internal control is at the operational level.
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c. Pengendalian Sistem Informasi c. Information System Control
Bank menerapkan pengendalian internal pada sistem The Bank implements internal control over information
informasi dan teknologi melalui audit rutin di Divisi and technology system through routine audit in
Information Technology dan Divisi Business Analytic and MIS. Information Technology Division and Business Analytic
and MIS Division.
d. Pengendalian Aset Fisik d. Control of Physical Assets
Pengendalian atas aset fisik dilakukan melalui audit Physical asset control is performed through annual audit
tahunan di Divisi Human Capital Management & General to Human Capital Management & General Affair Division
Affair untuk memastikan keamanan fisik aset Bank. to ensure the physical security of the Bank’s assets.
e. Dokumentasi e. Documentation
Formalisasi dan pendokumentasian kebijakan, prosedur, Formalizing and documenting policies, procedures,
sistem, standar akuntansi, dan proses audit dengan systems, accounting standards, and audit process
memadai. Selain itu, melakukan pembaruan berkala adequately. In addition, periodically renewing the
terhadap kebijakan dan SOP yang selanjutnya disampaikan policies and SOP which are then conveyed to officials
kepada pejabat dan karyawan untuk mengakomodir and employees to accommodate the Bank’s actual
kebutuhan Bank secara aktual. requirements.
Bank juga menerapkan prinsip pemisahan fungsi dalam The Bank also applies the principle of separation of functions
kegiatan pengendalian internal untuk mencapai efektivitas in internal control activities to achieve effectiveness and
dan mencegah kesalahan atau penyimpangan di setiap level prevent mistakes or deviations at every organizational level.
organisasi. Prinsip pemisahan fungsi ini diwujudkan melalui This principle of function separation is manifested through
Keputusan Direksi No. 007/SK-DIR/01/18 tanggal 11 Januari the Board of Directors’ Decision Letter No. 007/SK-DIR/01/18
2018 tentang Pendelegasian Wewenang Biaya Unit Kerja dated 11 January 2018 on Authorization Delegation of the
General Affair. General Affair Work Unit’s Cost.
4. Sistem Akuntansi, Informasi, dan Komunikasi 4. Accounting, Information, and Communication Systems
Sistem akuntansi mencakup metode dan catatan untuk The accounting system includes methods and records
mengidentifikasi, mengelompokkan, menganalisis, to identify, group, analyze, classify, record, and report
mengklasifikasi, mencatat, dan melaporkan transaksi sesuai transactions in accordance with accounting standards in
standar akuntansi di Indonesia. Sementara itu, sistem Indonesia. Meanwhile, the information system is properly
informasi dikelola dengan baik dan diperbarui secara berkala managed and updated periodically in order to produce
untuk menghasilkan laporan yang akurat dan tepat waktu accurate and timely reports on business activities, financial
mengenai kegiatan usaha, kondisi keuangan, manajemen conditions, risk management, and compliance with
risiko, dan pemenuhan ketentuan. Pengelolaan sistem provisions. The management of information system includes
informasi mencakup rencana pemulihan darurat dan backup contingency recovery plans and back up to prevent high risk
untuk mencegah kegagalan usaha yang berisiko tinggi. Adapun business failures. The communication system is managed to
sistem komunikasi dikelola agar dapat memberikan informasi provide timely information to all parties, both internal and
secara tepat waktu kepada semua pihak, baik internal maupun external.
eksternal.
5. Kegiatan Pemantauan dan Tindakan Koreksi Penyimpangan 5. Monitoring Activities and Corrective Actions
Bank secara berkala melakukan pemantauan dan evaluasi The Bank periodically monitors and evaluates primary risks,
terhadap risiko utama, baik oleh Unit Kerja Operasional both by the Operating Unit (risk taking unit) and by SKAI
(riskt taking unit) maupun oleh SKAI & Anti Fraud. Auditor & Anti Fraud. Internal auditor conducts operational and
internal melakukan pemeriksaan operasional dan keuangan financial auditing checks in various Bank’s offices, including
di berbagai kantor Bank, mencakup perkreditan, Dana Pihak credit, Third Party Funds (DPK), APU and PPT implementation,
Ketiga (DPK), penerapan APU dan PPT, Know Your Customer Know Your Customer (KYC), tellers and cash, security, service
(KYC), teller dan uang tunai, security, service excellence, excellence, Financial Statements, building and inventory ,
Laporan Keuangan, gedung dan inventaris, dan lainnya. Setiap and others. Any weaknesses in internal control identified by
kelemahan dalam pengendalian internal yang diidentifikasi risk taking units, internal auditors, or other parties must be
oleh unit risiko, auditor internal, ataupun pihak lain akan immediately reported to the authorized officers or Directors
segera dilaporkan kepada pejabat atau Direksi yang berwenang for follow-up.
untuk ditindaklanjuti.
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Tata Kelola Perusahaan
Good Corporate Governance
Tinjauan atas Efektivitas Sistem Overview of the Effectiveness of Internal
Pengendalian Internal 2023 Control System in 2023
Bank senantiasa memantau efektivitas pengendalian internal The Bank consistently monitors the effectiveness of internal
dengan memprioritaskan pemantauan pada risiko utama. Evaluasi control by prioritizing monitoring of primary risks. The
dilakukan oleh SKAI & Anti Fraud dan hasilnya disampaikan evaluation is performed by SKAI & Anti Fraud and the results are
kepada Direksi serta dilaporkan ke Dewan Komisaris melalui submitted to the Board of Directors and reported to the Board of
Komite Audit. Evaluasi tahun 2023 menunjukkan bahwa SPI di Commissioners through Audit Committee. The 2023 evaluation
Bank telah memadai. Langkah-langkah tindak lanjut telah diambil shows that the Bank’s SPI is adequate. Follow-up measures
untuk meminimalisir risiko dan melakukan perbaikan, termasuk were taken to minimize risks and make refinement, including in
penginian kebijakan, prosedur, dan sistem. updating policies, procedures, and systems.
Pernyataan Dewan Komisaris dan Direksi atas Statement of Board of Commissioners and
Kecukupan Sistem Pengendalian Internal Board of Directors on the Internal Control
System Adequacy
Dewan Komisaris dan Direksi Bank secara berkelanjutan dan The Bank’s Board of Commissioners and Board of Directors
konsisten meninjau SPI Bank. Dewan Komisaris dan Direksi continuously and consistently review the Bank’s SPI. The Board
memandang bahwa penerapan SPI di tahun 2023 cukup efektif of Commissioners and Board of Directors considered that the
dalam mengawasi aktivitas operasional, keuangan, dan tata kelola SPI implementation in 2023 was quite effective in supervising
yang sesuai dengan peraturan perundang-undangan. operational, financial, and governance activities in accordance
with the laws and regulations.
Fungsi Kepatuhan
Compliance Function
Bank Victoria membentuk Fungsi Kepatuhan sebagai unit Bank Victoria established the Compliance Function as an
independen yang membantu dan bertanggung jawab langsung independent unit that assists and is directly responsible to the
kepada Direktur yang memimpin Fungsi Kepatuhan. Fungsi Director leading the Compliance Function. Compliance Function
Kepatuhan bertujuan mengantisipasi perkembangan tantangan aims to anticipate the growing challenges and risks in the bank’s
dan risiko usaha bank yang semakin besar. business.
Pedoman Fungsi Kepatuhan Compliance Function Charter
Dalam melaksanakan tugas dan tanggung jawabnya, Fungsi In performing its duties and responsibilities, the Compliance
Kepatuhan mengacu pada Peraturan Otoritas Jasa Keuangan Function refers to the Financial Services Authority Regulation
No. 46/POJK.03/2017 tentang Pelaksanaan Fungsi Kepatuhan No. 46/POJK.03/2017 on Implementation of Compliance
bagi Bank Umum. Function of Commercial Banks.
Penanggung Jawab Fungsi Kepatuhan Person in Charge of the Compliance Function
Bank secara khusus telah memiliki Direktur Kepatuhan dan The Bank specifically hired a Director of Compliance and Risk
Manajemen Risiko serta Divisi Compliance & System Procedure yang Management and Compliance & System Procedure Division that
berfokus dan bertanggung jawab pada pelaksanaan fungsi kepatuhan focus on and are in charge of the implementation of the Bank’s
di Bank Victoria. Pelaksanaan fungsi kepatuhan juga secara aktif compliance function. The implementation of compliance function
diawasi oleh Dewan Komisaris. Berikut tugas dan tanggung jawab is also under active supervision of the Board of Commissioners.
masing-masing pihak tersebut dalam menjalankan fungsi kepatuhan: Duties and responsibilities of each party are described as follows:
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1. Dewan Komisaris 1. Board of Commissioners
a. Mengevaluasi pelaksanaan fungsi kepatuhan Bank paling a. Evaluating the implementation of the Bank’s compliance
sedikit 2 (dua) kali dalam setahun; dan function at least 2 (two) times a year; and
b. Berdasarkan hasil evaluasi pelaksanaan fungsi b. Based on the evaluation results of implementation
kepatuhan, Dewan Komisaris menyampaikan saran-saran of compliance function, the Board of Commissioners
dalam rangka peningkatan kualitas pelaksanaan fungsi provides suggestions to improve the quality of
kepatuhan kepada Direktur Utama dengan tembusan compliance function to the President Director with a copy
kepada Direktur Kepatuhan dan Manajemen Risiko. to the Director of Compliance and Risk Management.
2. Direktur Kepatuhan dan Manajemen Risiko 2. Director of Compliance and Risk Management
a. Merumuskan strategi guna mendorong terciptanya a. Formulating strategies to encourage the creation of the
budaya kepatuhan Bank; Bank’s compliance culture;
b. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip b. Proposing compliance policies or compliance principles
kepatuhan yang akan ditetapkan oleh Direksi; to be specified by the Board of Directors;
c. Menetapkan sistem dan prosedur kepatuhan yang digunakan c. Establishing compliance systems and procedures to
untuk menyusun ketentuan dan pedoman internal Bank; develop the Bank’s internal provisions and guidelines;
d. Memastikan bahwa seluruh kebijakan, ketentuan, sistem, d. Ensuring that all policies, provisions, systems, and
dan prosedur, serta kegiatan usaha yang dilakukan Bank procedures and business activities conducted by the
telah sesuai dengan ketentuan Otoritas Jasa Keuangan Bank are in accordance with the provisions of Financial
dan ketentuan peraturan perundang-undangan; Services Authority, and the laws and regulations;
e. Meminimalkan risiko kepatuhan Bank; e. Minimizing the Bank’s compliance risk;
f. Melakukan tindakan pencegahan agar kebijakan f. Taking precautions so that the policies and/or decisions
dan/atau keputusan yang diambil Direksi Bank tidak taken by the Bank’s Board of Directors do not deviate
menyimpang dari ketentuan Otoritas Jasa Keuangan dan from the provisions of the Financial Services Authority
ketentuan peraturan perundang-undangan; serta and the provisions of laws and regulations; and
g. Melakukan tugas lain yang terkait dengan fungsi g. Performing other tasks associated with the compliance
kepatuhan. function.
Terkait dengan pelaksanaan tata kelola terintegrasi, maka Related to the implementation of integrated governance, the
Direktur Kepatuhan dan Manajemen Risiko yang telah ditunjuk Director of Compliance and Risk Management who was appointed
sebagai Direktur in Charge dapat merumuskan langkah-langkah as the Director in Charge can formulate strategic steps to
strategis dalam mendukung dan meningkatkan efektivitas support and improve the effectiveness of compliance function
penerapan fungsi kepatuhan, penerapan manajemen risiko, serta implementation, risk management implementation, and the
penerapan tata kelola terintegrasi pada kelompok keuangan integrated governance implementation to Victoria Group Financial
Grup Victoria. Pelaporan pelaksanaan tugas dan tanggung jawab Conglomeration. Reporting of the implementation of duties and
dari fungsi kepatuhan kepada regulator dilakukan oleh Direktur responsibilities of the compliance function to the regulator is
Kepatuhan dan Manajemen Risiko dengan tembusan kepada conducted by the Director of Compliance and Risk Management
Dewan Komisaris paling kurang secara triwulan. with copies
3. Divisi Compliance & System Procedure 3. Compliance & System Procedure Division
a. Membuat langkah untuk mendukung terciptanya budaya a. Preparing steps in order to support the creation of
kepatuhan pada seluruh kegiatan usaha Bank pada a compliance culture on all of the Bank’s business
setiap jenjang organisasi; activities at every organizational level;
b. Melakukan identifikasi, pengukuran, pemantauan, b. Identifying, measuring, monitoring, and controlling the
dan pengendalian terhadap risiko kepatuhan dengan compliance risks by referring to the provisions of the
mengacu pada ketentuan Otoritas Jasa Keuangan; Financial Services Authority;
c. Menilai dan mengevaluasi efektivitas, kecukupan, c. Assessing and evaluating the effectiveness, adequacy,
dan kesesuaian kebijakan, ketentuan, sistem maupun and conformity of the Bank’s policies, regulations,
prosedur yang dimiliki oleh Bank dengan ketentuan systems, and procedures against the provisions of laws
peraturan perundang-undangan; and regulations;
d. Melakukan kaji ulang dan/atau merekomendasikan untuk d. Reviewing and/or recommending updates and
menginikan dan menyempurnakan kebijakan, ketentuan, refinements of policies, provisions, systems, and
sistem maupun prosedur yang dimiliki oleh Bank agar procedures owned by the Bank to be in accordance with
sesuai dengan ketentuan Otoritas Jasa Keuangan dan the provisions of the Financial Services Authority and
ketentuan peraturan perundang-undangan; provisions of laws and regulations;
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Tata Kelola Perusahaan
Good Corporate Governance
e. Melakukan upaya untuk memastikan bahwa kebijakan, e. Taking measures to ensure that the policies, regulations,
ketentuan, sistem dan prosedur, serta kegiatan usaha systems, and procedures, as well as the Bank’s business
Bank telah sesuai dengan ketentuan Otoritas Jasa activities to be in accordance with the provisions of the
Keuangan dan ketentuan peraturan perundang- Financial Services Authority and provisions of laws and
undangan; serta regulations; and
f. Melakukan tugas lain yang terkait dengan fungsi f. Performing other tasks associated with the compliance
kepatuhan. function.
Divisi Compliance & System Procedure melaporkan seluruh The Compliance & System Procedure Division reports all
aktivitasnya dalam melaksanakan tugas dan tanggung of its activities in performing its duties and responsiblities
jawabnya langsung kepada Direktur Kepatuhan dan directly the Director of Compliance and Risk Management.
Manajemen Risiko.
Profil Kepala Divisi Compliance & System Procedure Profile of the Head of Compliance & System Procedure
Division Division
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
RR UTAMI TJIPTO Keputusan Direksi No. 001/SK-DIR/HCM/06/23 tanggal Board of Directors’ Decision No. 001/SK-DIR/HCM/06/23
5 Juni 2023. dated 5 June 2023.
Kepala Divisi Compliance & Riwayat Pendidikan Education
System Procedure Sarjana Hukum dari Universitas Airlangga (1986). Bachelor of Laws from Airlangga University (1986).
Head of Compliance & System
Procedure Division Rangkap Jabatan Concurrent Positions
Di dalam Bank Victoria: In Bank Victoria:
Tidak ada. None.
Kewarganegaraan
Nationality Di luar Bank Victoria: Outside of Bank Victoria:
Indonesia / Indonesian Tidak ada. None.
Tempat Lahir Riwayat Jabatan Concurrent Positions
Place of Birth • Recovery Litigation Group Head dan berbagai posisi • Recovery Litigation Group Head and various
Jakarta di PT Bank CIMB Niaga Tbk (2009-2010); positions at PT Bank CIMB Niaga Tbk (2009-2010);
• Compliance & Legal Group Head PT Bank ICB • Compliance & Legal Group Head of PT Bank ICB
Usia Bumiptera Tbk (2010-2012); Bumiptera Tbk (2010-2012);
Age • Head of Compliance & Procedure PT Bank QNB • Head of Compliance & Procedure PT Bank QNB
61 tahun / years old Indonesia Tbk (2012-2017); Indonesia Tbk (2012-2017);
• Core Team PT Asuransi Candi Utama establishment • Core Team of PT Asuransi Candi Utama establishment
Domisili (2018-2019); (2018-2019);
Domicile • Head of Legal Compliance AML & Corporate • Head of Legal Compliance AML & Corporate Secretary
Jakarta Secretary PT Asuransi Candi Utama (2020-2023); dan PT Asuransi Candi Utama (2020-2023); and
• Kepala Divisi Compliance & System and Procedure • Head of Compliance & System and Procedure
Bank Victoria (2023). Division of Bank Victoria (2023).
Sertifikasi Certification
• Sertifikasi Compliance Manager (CPM) dari Ikatan • Compliance Manager Certification (CPM) from the
Bankir Indonesia (2016); Indonesian Bankers Association (2016);
• Sertifikasi Asesor dari Sertifikasi Profesi Perbankan • Assessor Certification from Certification of Banking
(2017); Profession (2017);
• Sertifikasi Manajemen Risiko Level 4 dari Sertifikasi • Level 4 Risk Management Certification from Certification
Profesi Perbankan (2019); dan of Banking Profession (2019); and
• Sertifikasi Manajemen Risiko - Qualified Chief Risk • Risk Management Certification - Qualified Chief Risk
Officer dari Lembaga Sertifikasi Profesi – Mitra Officer from the Professional Certification Institute –
Kalyana Sejahtera (2022). Mitra Kalyana Sejahtera (2022).
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan anggota Does not have any affiliation with members of Board
Dewan Komisaris, anggota Direksi, serta Pemegang of Commissioners, members of Board of Directors, and
Saham Utama dan Pengendali. Main and Controlling Shareholders.
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Laporan Singkat Pelaksanaan Kegiatan Brief Report on Implementation of Compliance
Fungsi Kepatuhan Tahun 2023 Function’s Activities in 2023
Selama tahun 2023, Fungsi Kepatuhan telah melaksanakan In 2023, the Compliance Function implemented the following
program kerja sebagai berikut: work programs:
1. Menyusun (baru/penginian) kebijakan dan prosedur sesuai 1. Drafting (new/updated) policies and procedures in
regulasi yang berlaku; accordance with applicable regulations;
2. Memonitor dan melakukan tindak lanjut atas hasil 2. Monitoring and following up on Financial Services Authority
pemeriksaan Otoritas Jasa Keuangan sesuai target date; inspection results within the target date;
3. Menjadi penghubung antara Bank dengan Otoritas Jasa 3. Acting as a liaison between the Bank and the Financial
Keuangan; Services Authority;
4. Melakukan kajian dari sisi regulasi atas proposal kredit di atas 4. Conducting regulatory reviews of credit proposals above a
nilai tertentu; certain threshold;
5. Melakukan kajian kepatuhan dari sisi regulasi atas produk 5. Conducting compliance reviews from a regulatory perspective
dan/atau aktivitas baru; on new products and/or activities;
6. Melakukan Sosialisasi Peraturan Otoritas Jasa Keuangan/ 6. Conducting Socialization of Financial Services Authority
Surat Edaran Otoritas Jasa Keuangan/Peraturan Bank Regulations/Financial Services Authority Circular Letters/
Indonesia/Peraturan Anggota Dewan Gubernur baru, serta Bank Indonesia Regulations/New Board of Governors Member
kebijakan dan SOP Bank, baik secara online maupun offline; Regulations, as well as Bank policies and SOPs, both online
and offline;
7. Membentuk Compliance Champion pada setiap divisi dan 7. Establishing Compliance Champions in each division and
cabang guna meningkatkan aspek kepatuhan pada seluruh lini; branch to enhance compliance aspects across the board;
8. Mengirimkan pengingat kepada unit kerja terkait atas 8. Sending reminders to relevant work units regarding quarterly,
kewajiban pelaporan triwulan, semester, dan tahunan kepada semi-annual, and annual reporting obligations to the
unit kerja terkait; respective work units;
9. Mengisi topik terkait GCG dan regulasi pada media rapat 9. Addressing topics related to GCG and regulations at the
budaya yang dilaksanakan Bank secara berkala; dan Bank’s periodic cultural meetings;
10. Mengikuti pelatihan baik secara online maupun offline untuk 10. Participating in training sessions, both online and offline, to
terus meningkatkan kemampuan. continually enhance skills.
Pelatihan dan/atau Peningkatan Fungsi Compliance Function’s Training and/or
Kepatuhan Development Programs
Selama tahun 2023, Fungsi Kepatuhan telah mengikuti pelatihan Throughout 2023, the Compliance Function attended training
dan/atau peningkatan kompetensi sebagai berikut: and/or competency developments as follows:
1. Outlook Industri Jasa Keuangan di Tahun 2023 (oleh Otoritas 1. Financial Services Industry Outlook in 2023 (by Financial
Jasa Keuangan Institute); Services Authority Institute);
2. Risk Based Audit Treasury (oleh PT Kanatta Daya Indonesia); 2. Risk Based Audit Treasury (by PT Kanatta Daya Indonesia);
3. Tren Perbankan di Tahun 2023 (oleh Otoritas Jasa Keuangan 3. Banking Trends in 2023 (by Financial Services Authority
Institute); Institute);
4. Memperkuat Literasi dan Inklusi Keuangan Syariah (oleh 4. Strengthening Sharia Financial Literacy and Inclusion (by
Otoritas Jasa Keuangan Institute); Financial Services Authority Institute);
5. Launching Buku Market Code of Conduct Edisi 4 Confirmation 5. Launching of Market Code of Conduct 4th Edition
(oleh Bank Indonesia); Confirmation Book (by Bank Indonesia);
6. Pencegahan, Pendeteksian dan Pengendalian Fraud (oleh 6. Fraud Prevention, Detection and Control (by Vice President
Vice President Fraud Investigation Head PT Bank BTPN Tbk); Fraud Investigation Head of PT Bank BTPN Tbk);
7. Principles of Fairnes, Ethics Accountability and Tranparency 7. Principles of Fairness, Ethics Accountability and Transparency
(FEAT) and Veritas to Translate FEAT into Practice (oleh (FEAT) and Veritas to Translate FEAT into Practice (by the
Monetary Authority of Singapore); Monetary Authority of Singapore);
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Tata Kelola Perusahaan
Good Corporate Governance
8. Liquidity Coverage Ratio (LCR) and Net Stable Funding 8. Liquidity Coverage Ratio (LCR) and Net Stable Funding
Ratio (NSFR) Peraturan Otoritas Jasa Keuangan Ratio (NSFR) Financial Services Authority Regulation
No. 42/POJK.03/2015 dan Peraturan Otoritas Jasa Keuangan No. 42/POJK.03/2015 and Financial Services Authority
No. 50/POJK.03/2017 (oleh Risiko Manajemen Gagasan); Regulation No. 50/POJK.03/2017 (by Risk Management
Ideas);
9. Sertifikasi Auditor Internal untuk Peningkatan Kecukupan/ 9. Internal Auditor Certification to Improve the Adequacy/
Efektivitas Evaluasi Governance, Risk, and Compliance (oleh Effectiveness of Governance, Risk, and Compliance
Perbanas Institute); Evaluation (by Perbanas Institute);
10. Anti-Money Laundering in Digital Era: Lesson Learned from 10. Anti-Money Laundering in Digital Era: Lesson Learned from
Selected Countries Time (oleh Otoritas Jasa Keuangan Institute); Selected Countries Time (by Financial Services Authority
Institute);
11. Lesson Learned Kasus Silicon Valley Bank (oleh Lembaga 11. Silicon Valley Bank Case Lesson Learned (by Indonesian
Pengembangan Perbankan Indonesia); Banking Development Institute);
12. Mengatasi Tantangan dan Menghadapi Perubahan dalam 12. Overcoming Challenges and Facing Changes in the Financial
Sektor Jasa Keuangan (oleh Otoritas Jasa Keuangan Institute); Services Sector (by Financial Services Authority Institute);
13. Refreshment Sertifikasi Manajemen Risiko: Risk in Digital 13. Risk Management Certification Refreshment: Risk in Digital
World – Batch 4 (oleh PT Efektifpro Knowledge Source); World - Batch 4 (by PT Efektifpro Knowledge Source);
14. Sharing Session GCG (oleh Bapak Heru); 14. GCG Sharing Session (by Mr. Heru);
15. Membangun Keyakinan Nasabah Aset Digital dari Risiko Siber 15. Building Customer Confidence in Digital Assets from Cyber
(oleh Otoritas Jasa Keuangan Institute); Risk (by Financial Services Authority Institute);
16. Bisnis Indonesia Green Economy Forum 2023 “Realizing 16. Bisnis Indonesia Green Economy Forum 2023 “Realizing
Sustainable Growth through Green Economy Commitment Sustainable Growth through Green Economy Commitment
(oleh Bisnis Indonesia); (by Bisnis Indonesia);
17. Penerapan Cloud Computing di Industri Jasa Keuangan (oleh 17. Application of Cloud Computing in the Financial Services
Otoritas Jasa Keuangan Institute); Industry (by Financial Services Authority Institute);
18. How to Manage Climate Related Risk in Banking Industry 18. How to Manage Climate Related Risk in Banking Industry (by
(oleh Otoritas Jasa Keuangan Institute); Financial Services Authority Institute);
19. Mengenal Lebih Jauh Pengaturan Undang-Undang P2SK 19. Getting to Know More about the P2SK Law Arrangement in
dalam Rangka Penguatan Sektor Perbankan Confirmation the Framework of Strengthening the Financial Confirmation
Keuangan (oleh Otoritas Jasa Keuangan Institute); Banking Sector (by Financial Services Authority Institute);
20. ASEAN Market Capital Forum and International Sustainability 20. ASEAN Market Capital Forum and International Sustainability
Standards Boards Join Conference and Technical Training on Standards Boards Join Conference and Technical Training
the International Financial Reporting Standards Sustainability on the International Financial Reporting Standards
Disclosure Standards (oleh ASEAN Market Capital Forum and Sustainability Disclosure Standards (by ASEAN Market Capital
International Financial Reporting Standards); Forum and International Financial Reporting Standards);
21. Penerapan Undang-Undang Perlidungan Data Pribadi dan 21. Implementation of the Personal Data Protection Law and
Tantangan Implementasinya (oleh Forum Komunikasi its Implementation Challenges (by the Banking Compliance
Direktur Kepatuhan Perbankan); Director Communication Forum);
22. Penyampaian Informasi Penerbitan dan Sosialisasi Peraturan 22. Submission of Information on the Issuance and Socialization
Bank Indonesia tentang Pinjaman Likuiditas Jangka Pendek of Bank Indonesia Regulation on Short-Term Liquidity Loans
bagi Bank Umum Konvensional (oleh Bank Indonesia); for Conventional Commercial Banks (by Bank Indonesia);
23. Peluang Perdagangan Karbon dalam Upaya Dekarbonisasi 23. Carbon Trading Opportunities in Decarbonization Efforts (by
(oleh Otoritas Jasa Keuangan Institute); Financial Services Authority Institute);
24. Waspada Modus Penipuan Gaya Baru (oleh Otoritas Jasa 24. Beware of New Style Fraud Modes (by Financial Services
Keuangan Institute); Authority Institute);
25. Sosialisasi Peraturan Bank Indonesia tentang Pelindungan 25. Socialization of Bank Indonesia Regulation on Bank Indonesia
Konsumen Bank Indonesia (oleh Bank Indonesia); Consumer Protection (by Bank Indonesia);
26. Compliance Risk untuk Financial Technology (oleh Lembaga 26. Compliance Risk for Financial Technology (by Indonesian
Pengembangan Perbankan Indonesia); Banking Development Institute);
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27. Meningkatkan Efektivitas Sinergi Kerja Fungsi SKAI, Fungsi 27. Improving the Effectiveness of Work Synergy of SKAI
Kepatuhan dan Fungsi Manajemen Risiko (oleh Training Function, Compliance Function and Risk Management
Center Equivalent); Function (by Training Center Equivalent);
28. Compliance Refreshment Pemenuhan Kewajiban oleh 28. Compliance Refreshment on Fulfillment of Obligations by
Perusahaan Tercatat (oleh Otoritas Jasa Keuangan dan Bursa Listed Companies (by the Financial Services Authority and
Efek Indonesia); the Indonesia Stock Exchange);
29. Leadership in Changing Atmosphere (oleh Otoritas Jasa 29. Leadership in Changing Atmosphere (by Financial Services
Keuangan Institute); Authority Institute);
30. Efektivitas Digital Maturity Assesment dalam Mengukur 30. Effectiveness of Digital Maturity Assessment in Measuring
Kematangan Transformasi Digital Perbankan (oleh Forum the Maturity of Banking Digital Transformation (by Banking
Komunikasi Direktur Kepatuhan Perbankan); Compliance Director Communication Forum);
31. Enhancing Financial Performance through Data Analytics 31. Enhancing Financial Performance through Data Analytics
(oleh Otoritas Jasa Keuangan Institute dan The London (by Financial Services Authority Institute and The London
Institute of Banking and Finance); Institute of Banking and Finance);
32. Pemanfaatan Internet of Things (IoT) di Industri Jasa 32. Utilization of Internet of Things (IoT) in the Financial Services
Keuangan (oleh Otoritas Jasa Keuangan Institute); Industry (by Financial Services Authority Institute);
33. Refreshment Pencegahan Tindak Pidana Pencucian Uang, 33. Refreshment on Prevention of Money Laundering, Prevention
Pencegahan Pendanaan Terorisme dan Pencegahan of Financing of Terrorism and Prevention of Financing of
Pendanaan Proliferasi Senjata Pemusnah Massal berdasarkan Proliferation of Weapons of Mass Destruction based on
Peraturan Otoritas Jasa Keuangan No. 8 Tahun 2023 (oleh PT Financial Services Authority Regulation No. 8 of 2023 (by PT
Andara Sarana); Andara Sarana);
34. Peluang dan Tantangan Financial Technology P2P Lending 34. Opportunities and Challenges of Financial Technology
di Era Undang-Undang P2SK (oleh Otoritas Jasa Keuangan P2P Lending in the Era of P2SK Law (by Financial Services
Institute); Authority Institute);
35. Managing Environmental, Social and Governance Risk and 35. Managing Environmental, Social and Governance Risk and
Opportunities (oleh Otoritas Jasa Keuangan Institute dan Opportunities (by Financial Services Authority Institute and
The London Institute of Banking and Finance); The London Institute of Banking and Finance);
36. Kunci Sukses Menciptakan Talenta Profesional di Sektor Jasa 36. Keys to Success in Creating Professional Talent in the Financial
Keuangan (oleh Otoritas Jasa Keuangan Institute); Services Sector (by Financial Services Authority Institute);
37. How to Drive Corporate Performance through Accounting 37. How to Drive Corporate Performance through Accounting
Practices (oleh Otoritas Jasa Keuangan Institute); Practices (by the Financial Services Authority Institute);
38. Mengenal Lebih Jauh Pengaturan Undang-Undang P2SK 38. Getting to Know More about P2SK Law Arrangement in the
dalam Rangka Penguatan Literasi, Inklusi, dan Pelindungan Framework of Strengthening Consumer Literacy, Inclusion,
Konsumen (oleh Otoritas Jasa Keuangan Institute); and Protection (by the Financial Services Authority Institute);
39. Enhancing Environmental, Social, and Governance Through 39. Enhancing Environmental, Social, and Governance Through
Best Practices in Accouting (oleh Otoritas Jasa Keuangan Best Practices in Accounting (by Financial Services Authority
Institute); Institute);
40. Optimalkan Potensi dan Tingkatkan Kinerja di Era Digital 40. Optimizing Potential and Improving Performance in the
(oleh Otoritas Jasa Keuangan Institute); Digital Era (by Financial Services Authority Institute);
41. Menyambut Aset Kripto dalam Penguatan Ekosistem Keuangan 41. Welcoming Crypto Assets in Strengthening the Digital Financial
Digital di Indonesia (oleh Otoritas Jasa Keuangan Institute); Ecosystem in Indonesia (by Financial Services Authority Institute);
42. Menyongsong Tantangan dan Peluang Industri Asuransi di 42. Welcoming the Challenges and Opportunities of the
2024 (oleh Lembaga Pengembangan Perbankan Indonesia); Insurance Industry in 2024 (by the Indonesian Banking
Development Institute);
43. Anti Fraud Management for Leaders Batch 2 (oleh PT Kanatta 43. Anti Fraud Management for Leaders Batch 2 (by PT Kanatta
Daya Indonesia); Daya Indonesia);
44. Expert Sharing Session - Keuangan Berkelanjutan (oleh 44. Expert Sharing Session - Sustainable Finance (by Financial
Otoritas Jasa Keuangan Institute); Services Authority Institute);
45. Induction Training Program (oleh Bank Victoria); dan 45. Induction Training Program (by Bank Victoria); and
46. Aspek Hukum dan Dokumen Pembukaan Rekening 46. Legal Aspects and Documents of Company Account Opening
Perusahaan (oleh Bank Victoria). (by Bank Victoria).
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 247
Page 250
Tata Kelola Perusahaan
Good Corporate Governance
Pengadaan Barang dan Jasa [POJK F.1]
Procurement of Goods and Services
Bank Victoria telah menetapkan kebijakan pengadaan barang Bank Victoria established a policy on procurement of goods and
dan jasa sebagai panduan bagi pelaksanaan pembelian yang services as a guide for purchasing those required by work units
dibutuhkan oleh unit kerja guna mendukung operasional dan to support operations and customer services. The Bank may
pelayanan nasabah. Bank dapat mengalihdayakan sebagian outsource part of its supporting works to other parties who are in
pekerjaan penunjang ke pihak lain yang merupakan perusahaan the business of providing such service. The Bank is committed to
penyedia jasa. Bank berkomitmen untuk menerapkan proses implementing a transparent and objective procurement process
pengadaan barang/jasa secara transparan dan objektif, for goods/services, ensuring that all partners are treated fairly,
memastikan bahwa semua rekanan diperlakukan dengan adil, and prohibiting unethical practices in the procurement process.
dan melarang praktik-praktik tidak etis dalam proses pengadaan.
Etika Pengadaan Barang dan Jasa Ethics of Procurement of Goods and Services
Etika dalam aktivitas pengadaan barang dan/atau jasa di Bank Ethics in the procurement of goods and/or services at Bank
Victoria diatur oleh Keputusan Direksi No. 001/SK-DIR/01/21 Victoria is regulated by the Board of Directors’ Decision Letter
tanggal 11 Januari 2021 tentang Pedoman Kode Etik Perilaku No. 001/SK-DIR/01/21 dated 11 January 2021 on Employee’s
Karyawan PT Bank Victoria International Tbk. Pedoman ini Code of Conduct of PT Bank Victoria International Tbk. This
memastikan bahwa hubungan antara karyawan dengan rekanan conduct ensures that the employee’s relationship with partner or
atau calon rekanan selama kegiatan pengadaan barang dan/atau prospective partner during the procurement activities of goods
jasa mematuhi beberapa hal berikut: and/or services complies with the following matters:
1. Tidak menerima tips atau mencari pengadaan berdasarkan 1. Do not accept tips or seek procurement based on personal
keuntungan pribadi semata; interest;
2. Transparansi; 2. Transparency;
3. Mencari penawaran terbaik; 3. Look for the best deals;
4. Tidak terdapat conflict of interest; dan 4. No conflict of interest; and
5. Vendor harus mengikuti peraturan terkait pengadaan barang 5. Vendors must follow the regulations regarding the procurement
dan jasa yang berlaku di Bank Victoria. of goods and services applicable at Bank Victoria.
Pengadaan Barang dan Jasa Tahun 2023 Procurement of Goods and Services in 2023
Pada tahun 2023, realisasi biaya pengadaan barang dan jasa Bank In 2023, the realization of the Bank’s cost of procurement
sebesar Rp73.780.368.236,- dengan kegiatan pengadaan barang of goods and services reached Rp73,780,368,236.- a total of
dan jasa sebanyak 13 (tiga belas) kegiatan. 13 (thirteen) procurements of goods and services.
248 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Perkara Hukum
Legal Cases
Pada tahun 2023, perkara hukum yang dihadapi Bank, Dewan In 2023, the legal cases faced by the Bank, Board of Commissioners,
Komisaris, dan Direksi Bank Victoria ditunjukkan sebagai berikut: and Board of Directors of Bank Victoria were shown as follows:
Perkara Hukum Perdata Pidana Tata Usaha Negara
Legal Cases Civil Criminal State Administration
BANK VICTORIA
Telah Selesai (Mempunyai Kekuatan Hukum yang Tetap) 2 - -
Settled (Final and Binding)
Dalam Proses Penyelesaian 11 - -
In Settlement Process
DEWAN KOMISARIS DAN DIREKSI BANK VICTORIA
BOARD OF COMMISSIONERS AND BOARD OF DIRECTORS OF BANK VICTORIA
Telah Selesai (Mempunyai Kekuatan Hukum yang Tetap) - - -
Settled (Final and Binding)
Dalam Proses Penyelesaian - - -
In Settlement Process
Total 13 - -
Perkara Hukum yang Dihadapi Bank Victoria Tahun 2023
Legal Cases Faced by Bank Victoria in 2023
Perkara / Case Perkara / Case
No. 948/Pdt.G/2021/PN.Jkt.Sel No. 226/PDT/2023/PT.DKI jo. No. 604/Pdt.G/2021/PN.Jkt.Sel
Para Pihak Penggugat : Para Pihak Pemohon Kasasi:
Parties PT Virgo Sari dan Dra. Dewi Eka Arini Parties Bank Victoria
Tergugat: Termohon Kasasi:
Bank Victoria; Drs. Anis Adwani, MBA; Kantor PT Iswara Dewata
Pelayanan Kekayaan Negara dan Lelang Cassation Petitioner:
Bogor; Suwarni Sukiman, SH; Kantor Badan Bank Victoria
Pertanahan Nasional Kabupaten Bogor; dan
Fildzah, SH, LLM Defendant for Cassation:
PT Iswara Dewata
Plaintiff:
PT Virgo Sari and Dra. Dewi Eka Arini
Defendants:
Bank Victoria; Drs. Anis Adwani, MBA; Bogor
State Wealth and Auction Service Office;
Suwarni Sukiman, SH; Bogor District National
Land Agency Office; and Fildzah, SH, LLM.
Pokok Perkara Gugatan Perbuatan Melawan Hukum Pokok Perkara Gugatan Wanprestasi
Case Profile Wrongful Act Lawsuit Case Profile Default Lawsuit
Nilai Nominal Gugatan Materiel: Nilai Nominal Gugatan Materiel:
Nominal Value of Claim Material: Nominal Value of Claim Material:
Rp5,000,000,000 · Rp219,483,844,757
· USD11,600,000
Imateriel:
Immaterial:
· USD347,238,225
· USD201,448,632
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 249
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Tata Kelola Perusahaan
Good Corporate Governance
Status Penyelesaian Berkekuatan Hukum Tetap Status Penyelesaian Dalam Proses di Mahkamah Agung Republik
Perkara Permanent Legal Force Perkara Indonesia
Case Settlement Status Case Settlement Status In Process at the Supreme Court of the
Republic of Indonesia
Risiko dan Pengaruh Tidak Ada Risiko dan Pengaruh Belum Ada
yang Dihadapi Bank None yang Dihadapi Bank None yet
Risks Faced by and Risks Faced by and
Impact on the Bank Impact on the Bank
Sanksi Administrasi Tidak Ada Sanksi Administrasi Belum Ada
Administrative Sanctions None Administrative Sanctions None yet
Perkara / Case
Perkara / Case
No. 193/PDT/2023/PT.DKI jo. No. 977/Pdt.G/PLW/2018/
No. 645/Pdt.G/2021/PN.Jkt.Pst
PN.Jkt.Sel
Para Pihak Pemohon Kasasi: Para Pihak Pembanding:
Parties Bank Victoria Parties Edric Novidiyanto dan Fenny
Termohon Kasasi:
Podo Wibowo WH, Neneg Naldy, Haryono Terbanding:
Eddyarto, H. Naldy Nazar Haroen, Eddy Bank Victoria
Rinaldy, PT Bank Harda Internasional Tbk,
dan Kantor Badan Pertanahan Nasional Kota Turut Terbanding:
Jakarta Selatan Tim Kurator PT Danau Winata Indah (Dalam
Pailit); Notaris Budiman Cornelius Santiago
Cassation Petitioner: Hutapea, SH; Notaris Suwarni Sukiman, SH;
Bank Victoria dan Bank Victoria Kantor Kas Grand Boutique
Defendant for Cassation: Appellant:
Podo Wibowo WH, Neneg Naldy, Haryono Edric Novidiyanto and Fenny
Eddyarto, H. Naldy Nazar Haroen, Eddy
Rinaldy, PT Bank Harda Internasional Tbk, Appellee:
and the National Land Agency Office of South Bank Victoria
Jakarta City.
Co- Appellee:
Curator Team of PT Danau Winata Indah
(In Bankruptcy); Notary Budiman Cornelius
Santiago Hutapea, SH; Notary Suwarni
Sukiman, SH; and Bank Victoria Grand
Boutique Cash Office.
Pokok Perkara Gugatan Perlawanan Pihak Ketiga Pokok Perkara Gugatan Perbuatan Melawan Hukum
Case Profile Third Party Counter Claim Case Profile Third Party Counter Claim
Nilai Nominal Gugatan Tidak Ada Nilai Nominal Gugatan Materiel:
Nominal Value of Claim None Nominal Value of Claim Material:
· Rp223,352,215
· Rp160,804,774
Imateriel:
Immaterial:
Rp10,000,000,000
Status Penyelesaian Dalam Proses di Mahkamah Agung Republik Status Penyelesaian Dalam Proses di Pengadilan Tinggi DKI Jakarta
Perkara Indonesia Perkara In Process at DKI Jakarta High Court
Case Settlement Status In Process at the Supreme Court of the Case Settlement Status
Republic of Indonesia
Risiko dan Pengaruh Belum Ada Risiko dan Pengaruh Belum Ada
yang Dihadapi Bank None yet yang Dihadapi Bank None yet
Risks Faced by and Risks Faced by and
Impact on the Bank Impact on the Bank
Sanksi Administrasi Belum Ada Sanksi Administrasi Belum Ada
Administrative Sanctions None yet Administrative Sanctions None yet
250 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Perkara / Case Perkara / Case
No. 390/Pdt.G/2022/PN.Jkt.Sel No. 1150/Pdt.G/2022/PN.Jkt.Sel
Para Pihak Pembanding: Para Pihak Penggugat:
Parties Shierly Parties Plaintiff:
PT Surya Eden Utama
Terbanding:
Ir. Adji Waseso Hamid, Luche Waseso Hamid, Tergugat:
dan Trah Nugrahyang Defendant:
Bank Victoria
Turut Terbanding:
Rahmadany Firmansyah, SH; Redho Junaidi,
SH, MH; Oktavian Adhar, SH; Nawang Andi
Kusuma, SH, MKn; Etty Purwaningsih, SH;
Hartanti Kuntoro, SH; Bank Victoria; dan
Kantor Pertanahan Kota Administrasi Jakarta
Selatan
Appelant:
Shierly
Appellee:
Ir. Adji Waseso Hamid, Luche Waseso Hamid,
and Trah Nugrahyang
Co- Appellee:
Rahmadany Firmansyah, SH; Redho Junaidi,
SH, MH; Oktavian Adhar, SH; Nawang Andi
Kusuma, SH, MKn; Etty Purwaningsih, SH;
Hartanti Kuntoro, SH; Bank Victoria; and Land
Office of South Jakarta Administrative City.
Pokok Perkara Gugatan Perbuatan Melawan Hukum Pokok Perkara Gugatan Perbuatan Melawan Hukum
Case Profile Wrongful Acts Lawsuit Case Profile Wrongful Acts Lawsuit
Nilai Nominal Gugatan Materiel: Nilai Nominal Gugatan Materiel:
Nominal Value of Claim Rp5,000,000,000 Nominal Value of Claim Material:
Rp45,000,000,000
Imateriel:
Rp2,000,000,000 Imateriel:
Immaterial:
Rp50,000,000,000
Status Penyelesaian Dalam Proses di Pengadilan Tinggi DKI Status Penyelesaian Dalam Proses di Pengadilan Negeri Jakarta
Perkara Jakarta Perkara Selatan
Case Settlement Status In Process at DKI Jakarta High Court Case Settlement Status In Process at South Jakarta High Court
Risiko dan Pengaruh yang Belum Ada Risiko dan Pengaruh yang Belum Ada
Dihadapi Bank None Yet Dihadapi Bank None Yet
Risks Faced by and Risks Faced by and
Impact on the Bank Impact on the Bank
Sanksi Administrasi Belum Ada Sanksi Administrasi Belum Ada
Administrative Sanctions None Yet Administrative Sanctions None Yet
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 251
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Tata Kelola Perusahaan
Good Corporate Governance
Perkara / Case Perkara / Case
No. 22/Pdt.G/2023/PN.Cjr No. 767/Pdt.G/2022/PN.Jkt.Pst
Para Pihak Penggugat: Para Pihak Penggugat:
Parties PT Haji Putra Indonesia Parties PT Favorite Sinar Pelangi
Tergugat: Tergugat:
PT Surya Eden Utama Bank Victoria Cabang Bandung, Bank Victoria
Kantor Pusat, PT Wahana Mutiara Pratama,
Turut Tergugat I: dan Notaris Surjadi Jasi, SH
Bank Victoria dan Badan Pertanahan Nasional
Kabupaten Cianjur Turut Tergugat I:
Plaintiff: Badan Pertanahan Nasional Kotamadya
PT Haji Putra Indonesia Bandung, Otoritas Jasa Keuangan Jakarta, dan
Bank Indonesia, Jakarta
Defendant: Plaintiff:
PT Surya Eden Utama PT Favorite Sinar Pelangi
Co-Defendant I: Defendants:
Bank Victoria and National Land Agency of Bank Victoria Bandung Branch, Bank Victoria
Cianjur Regency Head Office, PT Wahana Mutiara Pratama, and
Notary Surjadi Jasi, SH.
Co-Defendant I:
National Land Agency of Bandung Municipality,
Financial Services Authority Jakarta, and Bank
Indonesia, Jakarta.
Pokok Perkara Gugatan Wanprestasi Pokok Perkara Gugatan Perbuatan Melawan Hukum
Case Profile Default Lawsuit Case Profile Wrongful Acts Lawsuit
Nilai Nominal Gugatan Materiel: Nilai Nominal Gugatan Materiel:
Nominal Value of Claim Material: Nominal Value of Claim Material:
Rp6,000,000,000 Rp10,599,178,000
Imateriel:
Immaterial:
Rp560,000,000.000
Status Penyelesaian Dalam Proses di pengadilan Negeri Cianjur Status Penyelesaian Berkekuatan Hukum Tetap
Perkara In Process at Cianjur District Court Perkara Permanent Legal Force
Case Settlement Status Case Settlement Status
Risiko dan Pengaruh yang Belum Ada Risiko dan Pengaruh yang Tidak Ada
Dihadapi Bank None yet Dihadapi Bank None yet
Risks Faced by and Risks Faced by and
Impact on the Bank Impact on the Bank
Sanksi Administrasi Belum Ada Sanksi Administrasi Tidak Ada
Administrative Sanctions None yet Administrative Sanctions None yet
Perkara / Case Perkara / Case
No. 156/Pdt.G/2023/PN.Jkt.Pst No. 826/Pdt.G/2023/PN.Jkt.Sel
Para Pihak Pembanding: Para Pihak Penggugat:
Parties Sucik Mardi Parties Firzia Resita
Terbanding: Tergugat:
Bank Victoria Kantor Cabang Tanjung Duren Bank Victoria, Kantor Pelayanan Kekayaan
dan Kantor Pelayanan Kekayaan Negara dan Negara dan Lelang Tangerang II, dan
Lelang Jakarta III PT Matador Lelang Suskes
Appellant:
Sucik Mardi Turut Tergugat:
Badan Pertanahan Nasional Kota Tangerang
Appellee: Selatan
Bank Victoria Tanjung Duren Branch Office Plaintiff:
and Jakarta State Wealth and Auction Service Firzia Resita
Office III
Defendants:
Bank Victoria, Tangerang II State Wealth and
Auction Service Office, and PT Matador Lelang
Suskes.
Co-Defendants:
National Land Agency of South Tangerang City
252 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Pokok Perkara Gugatan Perbuatan Melawan Hukum Pokok Perkara Gugatan Perlawanan Eksekusi/Lelang
Case Profile Wrongful Acts Lawsuit Case Profile Lawsuit Against Execution/Auction
Nilai Nominal Gugatan Mengurangi Pokok Kredit: Nilai Nominal Gugatan Materiel:
Nominal Value of Claim Reduce Principal Credit: Nominal Value of Claim Material:
Rp1,000,000,000 Rp2,400,000,000
Keringanan Angsuran:
Installment Relief:
Rp1.000.000,-
bulan/month
Status Penyelesaian Dalam Proses di Pengadilan Tinggi DKI Status Penyelesaian Dalam Proses di Pengadilan Negeri Jakarta
Perkara Jakarta Perkara In Process at Jakarta District Court
Case Settlement Status In Process at DKI Jakarta High Court Case Settlement Status
Risiko dan Pengaruh yang Belum Ada Risiko dan Pengaruh yang Belum Ada
Dihadapi Bank None yet Dihadapi Bank None yet
Risks Faced by and Risks Faced by and
Impact on the Bank Impact on the Bank
Sanksi Administrasi Belum Ada Sanksi Administrasi Belum Ada
Administrative Sanctions None yet Administrative Sanctions None yet
Perkara / Case Perkara / Case
No. 434/Pdt.G/2022/PN.Jkt.Pst No. 409/Pdt.G/2023/PN.Jkt.Sel
Para Pihak Pembanding: Para Pihak Penggugat:
Parties Yayasan Pendidikan Kader Keuangan dan Parties Stevany Sulistyo, Selviana Sulistyo, Benny
Perbankan Bandung, Riska Nurasyiah, dan Sulistyo, dan Elisa K Sulistyo
Rinalwan Buchari, MBA
Tergugat:
Terbanding: Bank Victoria dan PT Jtrust Investments
Bank Victoria dan PT Corex Intek Indonesia Indonesia
Appellants:
Yayasan Pendidikan Kader Keuangan dan Turut Tergugat:
Perbankan Bandung, Riska Nurasyiah, and Indriyani Damayanti Siregar, SH; Eliwaty Tjittra,
Rinalwan Buchari, MBA SH; dan Bayu Rushadian Hutama, SH, MKn
Plaintiffs:
Appellee: Stevany Sulistyo, Selviana Sulistyo, Benny
Bank Victoria and PT Corex Intek Indonesia Sulistyo, and Elisa K Sulistyo.
Defendants:
Bank Victoria and PT Jtrust Investments
Indonesia
Co-Defendants:
Indriyani Damayanti Siregar, SH; Eliwaty Tjittra,
SH; and Bayu Rushadian Hutama, SH, MKn
Pokok Perkara Gugatan Perbuatan Melawan Hukum Pokok Perkara Gugatan Perbuatan Melawan Hukum
Case Profile Wrongful Acts Lawsuit Case Profile Wrongful Acts Lawsuit
Nilai Nominal Gugatan Materiel: Nilai Nominal Gugatan Materiel:
Nominal Value of Claim Material: Nominal Value of Claim Material:
Rp6,077,079,809 Rp750,000,000
Imateriel: Imateriel:
Immaterial: Immaterial:
Rp1,000,000,000 Rp10,000,000,000
Status Penyelesaian Dalam Proses di Pengadilan Tinggi DKI Status Penyelesaian Dalam Proses di Pengadilan Negeri Jakarta
Perkara Jakarta Perkara Selatan
Case Settlement Status In Process at DKI Jakarta High Court Case Settlement Status In Process at South Jakarta District Court
Risiko dan Pengaruh Belum Ada Risiko dan Pengaruh Belum Ada
yang Dihadapi Bank None yet yang Dihadapi Bank None yet
Risks Faced by and Risks Faced by and
Impact on the Bank Impact on the Bank
Sanksi Administrasi Belum Ada Sanksi Administrasi Belum Ada
Administrative Sanctions None yet Administrative Sanctions None yet
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 253
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Tata Kelola Perusahaan
Good Corporate Governance
Perkara / Case
No. 1325/Pdt.G/2023/PN.Jkt.Sby
Para Pihak Penggugat:
Parties Plaintiff:
PT Mas Murni Indonesia Tbk
Tergugat:
Defendant:
Bank Victoria
Turut Tergugat:
PT Tunas Unggul Lestari, Kantor Pertanahan Kota Surabaya I, dan Kantor Pelayanan Kekayaan Negara dan Lelang Surabaya
Co-Defendants:
PT Tunas Unggul Lestari, Surabaya City Land Office I, and Surabaya State Wealth and Auction Service Office
Pokok Perkara Gugatan Perbuatan Melawan Hukum
Case Profile Wrongful Acts Lawsuit
Nilai Nominal Gugatan Materiel dan Imateriel:
Nominal Value of Claim Material dan Immaterial:
Rp1,000,000,000
Status Penyelesaian Dalam Proses di Pengadilan Negeri Surabaya
Perkara In Process at Surabaya District Court
Case Settlement Status
Risiko dan Pengaruh yang Belum Ada
Dihadapi Bank None Yet
Risks Faced by and
Impact on the Bank
Sanksi Administrasi Belum Ada
Administrative Sanctions None Yet
Perkara Penting yang Dihadapi Dewan Cases Faced by the Board of Commissioners
Komisaris dan Direksi Tahun 2023 and Board of Directors on 2023
Sepanjang tahun 2023, tidak terdapat perkara penting yang Throughout 2023, there were no significant cases faced by
sedang dihadapi oleh Dewan Komisaris dan Direksi yang sedang the current member of Board of Commissioners and Board of
menjabat pada Bank Victoria. Directors of Bank Victoria.
Sanksi Administratif Tahun 2023
Administrative Sanctions in 2023
Penerima Sanksi Jenis Sanksi Otoritas Pemberi Sanksi Total
Sanctioned Party Types of Sanction Sanctioning Authority (Rp)
Sanksi Finansial
Bank Victoria Bank Indonesia 2,300,000
Financial Sanctions
Dewan Komisaris
- - -
Board of Commissioners
Direksi
Board of Directors
- - -
254 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Program Anti Pencucian Uang, Pencegahan
Pendanaan Terorisme, dan Pencegahan Pendanaan
Proliferasi Senjata Pemusnah Massal [POJK F.1]
Anti Money Laundering, Counter Financing of Terrorism, and
Counter-Proliferation Financing of Weapons of Mass Destruction
Program
Bank memiliki peran kunci dalam mencegah Tindak Pidana The Bank plays a crucial role in preventing Money Laundering
Pencucian Uang (TPPU), Tindak Pidana Terorisme (TPPT), dan (TPPU), Terrorism Financing (TPPT), and Proliferation of Weapons
Tindak Pidana Pendanaan Proliferasi Senjata Pemusnah Massal of Mass Destruction Financing (TPPPSPM) through risk-based
(TPPPSPM) melalui program Anti Pencucian Uang (APU), Anti-Money Laundering (AML), Counter-Terrorism Financing
Pencegahan Pendanaan Terorisme (PPT), dan Pencegahan (CTF), and Counter-Proliferation of Weapons of Mass Destruction
Pendanaan Proliferasi Senjata Pemusnah Massal (PPPSPM) yang Financing (CPF) programs and mandatory reporting to the
berbasis risiko, serta melalui pelaporan kewajiban kepada Pusat Financial Transaction Reports and Analysis Center (PPATK) as the
Pelaporan dan Analisis Transaksi Keuangan (PPATK) sebagai Financial Intelligence Unit (FIU). To enhance the quality of the
Financial Intelligence Unit (FIU). Untuk meningkatkan kualitas implementation of the AML, CTF, and CPF programs, the Bank
implementasi program APU, PPT, dan PPPSPM, Bank melakukan takes the following steps:
langkah sebagai berikut:
1. Pengawasan Aktif Direksi dan Dewan Komisaris terhadap 1. Active Supervision by the Board of Directors and the Board of
Program APU, PPT, dan PPPSPM Commissioners of the AML, CTF, and CPF programs.
Direksi Bank memastikan efektivitas penerapan Prinsip APU, The Bank’s Board of Directors ensures the effective
PPT, dan PPPSPM melalui: implementation of the AML, CTF, and CPF principles through
the following measures:
a. Mengusulkan kebijakan dan prosedur tertulis mengenai a. Proposing written policies and procedures for the
penerapan program APU, PPT, dan PPPSPM kepada implementation of the AML, CTF, and CPF programs to
Dewan Komisaris; the Board of Commissioners;
b. Memastikan penerapan program APU, PPT, dan PPPSPM b. Ensuring that the implementation of the AML, CTF,
dilaksanakan sesuai dengan kebijakan dan prosedur and CPF programs is carried out in accordance with the
tertulis yang telah ditetapkan; established written policies and procedures;
c. Membentuk unit kerja khusus dan/atau menunjuk c. Establishing a specialized work unit and/or appointing
pejabat yang bertanggung jawab terhadap penerapan officials in charge of the implementation of the AML,
program APU, PPT, dan PPPSPM; CTF, and CPF programs;
d. Melakukan pengawasan atas kepatuhan unit kerja dalam d. Supervising the compliance of work units in implementing
menerapkan program APU, PPT, dan PPPSPM; the AML, CTF, and CPF programs;
e. Memastikan bahwa kebijakan dan prosedur tertulis mengenai e. Ensuring that the written policies and procedures for the
penerapan program APU, PPT, dan PPPSPM sejalan dengan implementation of the AML, CTF, and CPF programs align
perubahan dan pengembangan produk, jasa, dan teknologi with changes and developments in products, services,
di sektor jasa keuangan serta sesuai dengan perkembangan and technology in the financial services sector, as well as
modus TPPU, TPPT, dan/atau PPSPM; with the evolving modes of TPPU, TPPT, and/or PPPSPM;
f. Memastikan pejabat dan/atau pegawai, khususnya f. Ensuring that officials and/or employees, especially
pegawai dari satuan kerja terkait dan pegawai baru, telah those from relevant work units and new employees, have
mengikuti pelatihan yang berkaitan dengan penerapan attended training related to the implementation of the
program APU, PPT, dan PPPSPM sebanyak 1 (satu) kali AML, CTF, and CPF programs at least once a year; and
dalam 1 (satu) tahun; dan
g. Memastikan adanya pembahasan terkait penerapan g. Ensuring that discussions related to the implementation
progam APU, PPT, dan PPPSPM dalam rapat Direksi. of the AML, CTF, and CPF programs are included in the
Board of Directors’ meetings.
Dewan Komisaris bertanggung jawab untuk: The Board of Commissioners is responsible for:
a. Memastikan Bank memiliki kebijakan dan prosedur a. Ensuring that the Bank has policies and procedures for
penerapan program APU, PPT, dan PPPSPM; implementing AML, CTF, and CPF programs;
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 255
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Tata Kelola Perusahaan
Good Corporate Governance
b. Memberikan persetujuan atas kebijakan dan prosedur b. Approving the policies and procedures for implementing
penerapan program APU, PPT, dan PPPSPM yang the AML, CTF, and CPF programs proposed by the Board
diusulkan oleh Direksi; of Directors;
c. Melakukan evaluasi atas kebijakan dan prosedur c. Evaluating the policies and procedures for implementing
Penerapan Program APU, PPT, dan PPPSPM; the AML, CTF, and CPF programs;
d. Melakukan pengawasan atas pelaksanaan tanggung d. Supervising the execution of the Board of Directors’
jawab Direksi terhadap penerapan program APU, PPT, responsibilities regarding the implementation of the
dan PPPSPM; dan AML, CTF, and CPF programs; and
e. Memastikan adanya pembahasan terkait penerapan e. Ensuring that discussions related to the implementation
progam APU, PPT, dan PPPSPM dalam rapat Direksi dan of the AML, CTF, and CPF programs are included in the
Dewan Komisaris. Board of Directors and Board of Commissioners meetings
2. Kebijakan dan prosedur penerapan program APU, PPT, dan 2. Policies and procedures for the implementation of AML, CTF,
PPPSPM and CPF programs
Bank telah memiliki kebijakan dan prosedur yang sejalan The Bank has established policies and procedures that align
dan sesuai dengan peraturan perundang-undangan dan best with laws and regulations and best practices, which include:
practices, antara lain mencakup:
a. Uji tuntas nasabah/Customer Due Diligence (CDD) a. Customer Due Diligence (CDD) and/or Enhanced Due
dan/atau uji lanjut nasabah/Enhance Due Diligence Diligence (EDD) for prospective customers, customers,
(EDD) terhadap calon nasabah, nasabah, conductor dan conductors and Walk-in Customers (WIC), Beneficial
Walk in Customer (WIC), Beneficial Owner (BO), dan Owners (BO), and Politically Exposed Persons (PEP);
Politically Exposed Person (PEP);
b. Penghentian Sementara transaksi dan penundaan transaksi; b. Temporary suspension and delay of transactions;
c. Penolakan transaksi dan penutupan hubungan usaha; c. Rejection of transactions and termination of business
relationships;
d. Pengelolaan risiko pencucian uang dan/atau pendanaan d. Management of money laundering and/or terrorism
terorisme berdasarkan pendekatan berbasis risiko financing risks based on a risk-based approach
(risk-based approach) terkait nasabah, negara/area concerning customers, geographical areas/countries,
geografis, produk, jasa dan transaksi, serta jaringan products, services and transactions, as well as delivery
distribusi (delivery channels); channels;
e. Pemantauan dan pengkinian; e. Monitoring and updating;
f. Cross border correspondent banking; f. Cross-border correspondent banking;
g. Transfer dana; g. Fund transfers;
h. Penatausahaan dokumen; dan h. Document administration; and
i. Pelaporan dan sanksi. i. Reporting and sanctions.
3. Pengendalian internal yang efektif dalam penerapan APU, 3. Effective internal control in the implementation of AML,
PPT, dan PPPSPM, antara lain dilakukan dengan: CTF, and CPF programs is achieved through the following
measures:
a. Memiliki kebijakan dan prosedur APU, PPT, dan PPPSPM a. Establishing appropriate AML, CTF, and CPF policies and
serta pemantauan internal yang tepat; procedures, as well as proper internal monitoring;
b. Adanya batasan wewenang dan tanggung jawab yang jelas b. Establishing clear limitations of authority and
terhadap satuan kerja terkait dengan penerapan program responsibility for the work units involved in the
APU, PPT, dan PPPSPM, baik melalui first line of defense, implementation of the AML, CTF, and CPF programs,
second line of defense, maupun third line of defense; dan whether through the first line of defense, second line of
defense, or third line of defense; and
c. Melakukan pemeriksaan untuk memastikan efektivitas c. Conducting audits to ensure the effective implementation
pelaksanaan program APU, PPT, dan PPPSPM oleh SKAI of the AML, CTF, and CPF programs. The audits are
& Anti Fraud. conducted by SKAI & Anti-Fraud.
4. Sistem informasi manajemen 4. Management information system
Untuk mengoptimalkan pemantauan transaksi dalam To optimize transaction monitoring in the implementation
pelaksanaan program APU, PPT, dan PPPSPM, Bank secara of AML, CTF, and CPF programs, the Bank is continuously
berkelanjutan mengembangkan teknologi sistem informasi, developing its information system technology by, among
antara lain: others:
a. Melakukan penyempurnaan sistem dan aplikasi a. Refining the system and supporting applications for
pendukung untuk Laporan Transaksi Keuangan Tunai, Cash Financial Transaction Reports, International Fund
Laporan Transfer Dana dari dan ke Luar Negeri, Transfer Reports, Suspicious Financial Transaction
Laporan Transaksi Keuangan Mencurigakan, Filtering Reports, Filtering and Screening Terrorist (DTTOT List),
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and Screening Terrorist (DTTOT List), PEP Screening PEP Screening Detection, and Customer Due Diligence
Detection dan Customer Due Diligence (CDD) Risk (CDD) Risk Scoring within a system called SmartAML.
Scoring dalam suatu sistem yaitu SmartAML. SmartAML SmartAML is used to support the optimal implementation
digunakan untuk mendukung pelaksanaan know of the “know your customer” process, particularly in
your customer yang lebih optimal, khususnya dalam detecting/monitoring customer transactions that exhibit
pendeteksian/pemantauan transaksi nasabah yang patterns of money laundering, terrorism financing, and
memiliki pola perilaku dan pola transaksi pencucian uang proliferation of weapons of mass destruction financing
dan pendanaan terorisme, serta pendanan proliferasi behavior;
senjata pemusnah massal;
b. Mengembangkan aplikasi Sistem Terduga Pendanaan b. Developing PPATK’s Suspected Terrorism Financing
Terorisme (SIPENDAR) PPATK; dan Information System (SIPENDAR) application; and
c. Mengembangkan aplikasi Sistem Informasi Pengguna c. Developing PPATK’s Integrated Service User Information
Jasa Terpadu (SIPESAT) PPATK. System (SIPESAT) application.
5. Sumber daya manusia dan pelatihan 5. Human resources and training
Bank menyelenggarakan program pelatihan yang The Bank organizes regular and continuous training programs
berkesinambungan dan berkala paling sedikit 1 (satu) kali at least once a year to ensure that its human resources are
dalam 1 (satu) tahun untuk memastikan sumber daya manusia adequately knowledgeable, especially in relation to AML,
memiliki pengetahuan yang memadai, terutama terkait CTF, and CPF. The training covers the application of relevant
APU, PPT, dan PPPSPM. Pelatihan mencakup penerapan laws and regulations, typologies of money laundering
peraturan perundang-undangan terkait, tipologi pencucian and terrorism financing, as well as internal policies and
uang dan pendanaan terorisme, serta kebijakan dan prosedur procedures of the AML, CTF, and CPF programs, along with
internal program APU, PPT, dan PPPSPM beserta peran serta the roles and responsibilities of employees in preventing
tanggung jawab karyawan dalam pencegahan pencucian money laundering, terrorism financing, and financing the
uang, pendanaan terorisme, dan pendanaan proliferasi proliferation of weapons of mass destruction.
senjata pemusnah massal.
Pada tahun 2023, Bank melakukan penguatan program APU, PPT, In 2023, the Bank strengthened the AML, CTF, and CPF programs
dan PPPSPM untuk memitigasi risiko terjadinya TPPU, TPPT, dan to mitigate the risk of TPPU, TPPT, and TPPPSPM by enhancing
TPPPSPM melalui peningkatan kompentensi sumber daya manusia the competence of human resources, conducting training, and
dan pelatihan serta forum group discussion. Selain itu, keandalan organizing group discussion forums. Furthermore, the reliability
sistem pendukung penerapan program APU, PPT, dan PPPSPM of the system supporting the implementation of the AML, CTF,
dilakukan melalui sistem SmartAML. Bank juga terus melakukan and CPF programs was ensured through the SmartAML system.
enhancement sistem melalui adopsi teknologi baru yang fleksibel The Bank also continuously enhanced the system by adopting
dan sejalan dengan aktivitas transaksi keuangan digital dan new, flexible technology that aligns with digital financial
perkembangan Bank terkini. transaction activities and the latest developments in the Bank.
Financial Integrity Rating on Money Financial Integrity Rating on Money
Laundering/Terrorism Financing Laundering/Terrorism Finasncing
(FIR on ML/TF) (FIR on ML/TF)
Financial Integrity Rating on Money Laundering and Terrorism The Financial Integrity Rating on Money Laundering and Terrorism
Financing (FIR on ML/TF) merupakan penilaian terhadap Financing (FIR on ML/TF) is an assessment of the integrity and
integritas dan efektivitas pihak pelapor dalam menjalankan effectiveness of the reporting party in implementing AML, CTF,
program APU dan PPT, khususnya dari aspek kinerja pelaporan and CPF programs, particularly from the aspect of AML, CTF, and
APU, PPT, dan PPPSPM. CPF reporting performance.
Pengukuran nilai FIR on ML/TF dilakukan terhadap 3 (tiga) dimensi, The FIR on ML/TF value is measured across 3 (three) dimensions:
yaitu:
1. Dimensi 1 (satu) untuk mengukur tingkat komitmen pihak 1. Dimension 1 (one) measures the commitment level of the
pelapor dalam mendukung PPATK dan aparat penegak hukum reporting party in supporting PPATK and law enforcement
dalam penelusuran transaksi keuangan terkait indikasi TPPU agencies in tracing financial transactions related to
dan TPPT; indications of TPPU and TPPT;
2. Dimensi 2 (dua) untuk mengukur tingkat implementasi tata 2. Dimension 2 (two) measures the level of implementation of
kelola pelaporan APU dan PPT yang dilakukan oleh pihak AML and CTF reporting governance carried out by the reporting
pelapor sesuai dengan ketentuan Lembaga Pengawas dan party in accordance with the provisions of the Supervisory and
Pengatur (LPP) dan pedoman pelaporan dari PPATK; dan Regulatory Bodies (LPP) and PPATK reporting guidelines; and
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Tata Kelola Perusahaan
Good Corporate Governance
3. Dimensi 3 (tiga) untuk mengukur tingkat kepatuhan pihak 3. Dimension 3 (three) measures the compliance level of the
pelapor terhadap kewajiban pelaporan APU dan PPT kepada reporting party with the obligation to report AML and CTF
PPATK serta kualitas formal dan materiel atas keseluruhan to PPATK and the formal and material quality of the overall
laporan yang telah disampaikan sesuai dengan peraturan reports submitted in accordance with PPATK regulations.
PPATK.
Hasil FIR on ML/TF menjadi tolok ukur bagi PPATK dan LPP dalam The FIR on ML/TF results serves as a benchmark for PPATK
merumuskan langkah-langkah pembinaan, pengawasan, dan and LPP in formulating risk-based development, supervision,
pengaturan berbasis risiko, khususnya untuk penguatan sistem and regulation measures, especially for strengthening the AML
APU dan PPT di setiap pihak pelapor dan penguatan integritas and CTF systems in each reporting party and strengthening the
sistem keuangan secara nasional. integrity of the national financial system.
Nilai FIR on ML/TF yang diperoleh Bank Victoria pada tahun In 2023, Bank Victoria obtained an FIR on ML/TF value of 9.17,
2023 sebesar 9,17 yang dikontribusikan oleh dimensi 1 (satu) contributed by Dimension 1 (one) at 9.96, Dimension 2 (two) at
sebesar 9,96, dimensi 2 (dua) sebesar 9,42, dan dimensi 3 (tiga) 9.42, and Dimension 3 (three) at 8.77. This achievement indicates
sebesar 8,77. Hal ini menunjukkan bahwa tingkat komitmen Bank that Bank Victoria’s commitment level in supporting PPATK and
Victoria dalam mendukung PPATK dan aparat penegak hukum law enforcement agencies to trace financial transactions related
untuk melakukan penelusuran transaksi keuangan terkait indikasi to TPPU and TPPT indications, the level of implementation of AML
TPPU dan TPPT, tingkat implementasi tata kelola pelaporan APU and CTF reporting governance in accordance with LPP provisions
dan PPT sesuai ketentuan LPP dan pedoman pelaporan PPATK, and PPATK reporting guidelines, the compliance level with the
tingkat kepatuhan terhadap kewajiban pelaporan APU dan PPT obligation to report AML and CTF to PPATK, and the quality of the
kepada PPATK, serta kualitas laporan yang disampaikan masuk reports submitted are in the “Very Good” (“Sangat Baik”) category.
pada kategori Sangat Baik.
Pemberian Dana Kegiatan Politik [POJK F.1]
Provision of Funds for Political Activities
Kebijakan internal Bank melarang keterlibatan karyawan The Bank’s internal policy prohibits employee involvement in
dalam kegiatan politik dan memberikan dana untuk tujuan political activities nor providing funds for political purposes.
politik. Kebijakan ini bertujuan menjaga independensi dan This policy aims to maintain the independence and
profesionalisme Bank serta karyawan. Pada tahun 2023, professionalism of the Bank and its employees. In 2023, Bank
Bank Victoria tidak terlibat dalam kegiatan politik dan tidak Victoria was not involved in political activities, nor did it provide
memberikan dana untuk kepentingan politik. funds for political purposes.
Persaingan Usaha yang Sehat [POJK F.1]
Fair Business Competition
Dalam menjalankan kegiatan usaha, Bank Victoria menegakkan In carrying out business activities, Bank Victoria upholds ethical
nilai etika dan moral, khususnya dalam praktik persaingan usaha and moral values, particularly in the practice of fair business
yang sehat. Upaya yang dilakukan Bank meliputi kepatuhan competition. The Bank’s efforts include compliance with the
terhadap Undang-Undang Anti Monopoli, melakukan riset pasar Anti Monopoly Law, conducting market research to understand
untuk memahami posisi pesaing, melakukan persaingan yang competitors’ positions, conducting fair competition by improving
sehat dengan peningkatan produk dan layanan berkualitas, serta quality products and services, and protecting customer interests
melindungi kepentingan nasabah dari praktik bisnis yang tidak from unfair business practices. The Bank also respects Intellectual
sehat. Bank juga menghormati Hak Kekayaan Intelektual (HAKI) Property Rights (IPR) by inviting all levels of management and
dengan mengajak seluruh jajaran manajemen dan karyawan untuk employees to respect the work of other parties, promoting active
menghargai karya milik pihak lain, mendorong berpartisipasi aktif participation in the development of process or products that will
dalam pengembangan proses atau produk yang akan digunakan be used by the Bank, and protecting the Bank’s IPR.
Bank, dan melindungi HAKI milik Bank.
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Kode Etik [POJK F.1]
Code of Conduct
Bank Victoria menetapkan Kode Etik sebagai panduan wajib bagi Bank Victoria established a Code of Conduct as a mandatory
semua insan Bank. Kode Etik Bank Victoria ditetapkan melalui guide for all Bank personnel. Bank Victoria’s Code of Conduct
Keputusan Direksi No. 024A/SK-DIR/02/23 tanggal 24 Februari was established through the Board of Directors’ Decision Letter
2023. Kode Etik harus diikuti dalam interaksi dengan nasabah, No. 024A/SK-DIR/02/23 dated 24 February 2023. The Code
rekanan, dan sesama karyawan. Dengan mematuhi Kode Etik, of Conduct must be followed in interactions with customers,
diharapkan dapat mencegah hubungan yang tidak wajar antara partners, and among employees. Compliance with the Code of
nasabah, rekanan, atau sesama karyawan. Conduct is expected to prevent unfair relationships between
customers, partners, or among employees.
Pokok Isi Kode Etik Principles of Code of Conduct
Pokok-pokok Kode Etik Bank Victoria sebagai berikut: The principles of Code of Conduct of Bank Victoria are as follows:
1. Standar Etika Bisnis 1. Standard Business Ethics
a. Etika Bank dengan karyawan; a. Bank’s Ethics with employees;
b. Etika Bank dengan nasabah; b. Bank’s Ethics with customers;
c. Etika Bank dengan penyedia barang dan jasa (evaluasi c. Bank’s Ethics with provider of goods and services
yang objektif dalam pengadaan perlengkapan dan (objective evaluation in the procurement of the Bank’s
peralatan Bank); equipment and tools);
d. Etika Bank dengan pesaing; d. Bank’s Ethics with competitors;
e. Etika Bank dengan pemerintah; e. Bank’s Ethics with the government;
f. Etika Bank dengan masyarakat; f. Bank’s Ethics with the communities;
g. Etika Bank dengan media massa; dan g. Bank’s Ethics with mass media; and
h. Etika Bank dengan organisasi profesi. h. Bank’s Ethics with professional organizations.
2. Standar Perilaku Karyawan 2. Standard Code of Conduct
a. Tuntunan perilaku karyawan; a. Employee behavior guidelines;
b. Penanganan benturan kepentingan; b. Management of conflict of interest;
c. Pedoman pemberian dan penerimaan hadiah dan donasi; c. Guidelines for giving and receiving gifts and donations;
d. Pedoman kepatuhan terhadap peraturan; d. Regulatory compliance guidelines;
e. Pedoman menjaga kerahasiaan data dan informasi e. Guidelines for maintaining confidentiality of company
perusahaan; data and information;
f. Pedoman aktivitas politik; dan f. Political activity guidelines; and
g. Pedoman pelaporan atas pelanggaran dan perlindungan g. Guidelines for reporting violations and protection of
pelapor. whistleblower.
Komitmen Kepatuhan terhadap Kode Etik Commitment to Complying with Code of
Conduct
Bank Victoria komitmen untuk mematuhi Kode Etik sebagai Bank Victoria is committed to complying with the Code of
standar etika tertinggi selain peraturan perundang-undangan. Conduct as the highest ethical standard in addition to the laws
Semua pihak di Bank, termasuk Dewan Komisaris, Direksi, Pejabat and regulations. All parties at the Bank, including the Board
Eksekutif, dan karyawan diwajibkan mematuhi Kode Etik dan of Commissioners, Board of Directors, Executive Officials, and
menandatangani Surat Pernyataan yang dimuat pada halaman employees are required to adhere to the Code of Conduct and
akhir Kode Etik. sign a Statement Letter set out in the final page of the Code of
Conduct.
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Tata Kelola Perusahaan
Good Corporate Governance
Penyebarluasan dan Sosialisasi Kode Etik Circulation and Dissemination of Code of
Conduct
Upaya penyebarluasan dan sosialisasi Kode Etik melalui beberapa The efforts to circulate and disseminate the Code of Conduct is
cara, yaitu: carried out through several means, namely:
1. Menyampaikan Kode Etik kepada seluruh karyawan melalui 1. Disseminates the Code of Conduct to all employees through
media internal yang dapat diakses setiap saat; internal media accessible at any time;
2. Menyampaikan etika bisnis secara berkala melalui memo 2. Disseminates business ethics periodically through memos or
atau surat dari Direksi atau Divisi terkait; letters from the Board of Directors or related Divisions;
3. Mendistribusikan buku saku Kode Etik yang wajib dipelajari 3. Distributes the Code of Conduct pocket book that must be
dan dilaksanakan oleh setiap karyawan; dan studied and carried out by every employee; and
4. Mengingatkan penerapan Kode Etik melalui pelatihan, 4. Reminds the implementation of the Code of Conduct through
induksi untuk karyawan baru, dan forum-forum pelatihan training, induction training programs for new employees, and
dengan melibatkan pihak eksternal. through training forums involving external parties.
Upaya Penerapan dan Penegakan Kode Etik Efforts to Implement and Enforce Code of
Conduct
Penerapan dan Penegakan secara Organisasi Organizational Implementation and Enforcement
1. Dewan Komisaris dibantu oleh Komite Nominasi dan 1. The Board of Commisioners, supported by the Nomination
Remunerasi bertanggung jawab atas dipatuhinya Kode Etik and Remuneration Committee, is responsible for the
di lingkungan Bank; compliance of the Code of Conduct within the Bank;
2. Direksi dibantu oleh Divisi Human Capital Management & 2. The Board of Directors, assisted by the Human Capital
General Affair bertanggung jawab atas penerapan Kode Etik Mangement & General Affair Division, is responsible for the
di lingkungan Bank; implementation of Code of Conduct within the Bank;
3. Kepala Divisi, Manajer, dan setingkat Manajer bertanggung 3. The Head of Division, Manager, and managerial levels are
jawab atas penerapan Kode Etik di lingkungan Divisi/Unit responsible for the implementation of Code of Conduct in
Kerja masing-masing; their respective Divison/Unit;
4. Direksi menunjuk Kepala Divisi Human Capital Management 4. The Board of Directors appoints Head of Human Capital
& General Affair beserta jajarannya yang bertanggung jawab Management & General Affair Division including its personnel
untuk melaporkan pelanggaran terhadap pelaksanaan Kode to be the whistleblower in any violation against the Code of
Etik; dan Conduct; and
5. Setiap karyawan wajib membaca Kode Etik melalui intranet 5. It is mandatory for each and every employee to read the Code
dan menandatangani formulir pernyataan bahwa yang of Conduct trhough intranet and sign the statement letter to
bersangkutan telah membaca, memahami, dan setuju untuk declare that the respectiver person has read, understood, and
mematuhi Kode Etik yang didokumentasikan oleh Divisi agreed to comply with the Code of Conduct, which thereafter
Human Capital Management & General Affair. documented by the Human Capital Management & General
Affair Division.
Penegakan Pedoman Kode Etik Enforcement of Code of Conduct
1. Setiap karyawan Bank harus melaporkan setiap fakta 1. Each of the Bank’s employee must report each fact of
penyimpangan Pedoman Kode Etik Perilaku Karyawan violation against Employee’s Code of Conduct to the Human
kepada Divisi Human Capital Management & General Affair Capital Management & General Affair Division and the
dan identitas pelapor akan dilindungi; identity of the whistleblower will be protected;
2. Divisi Human Capital Management & General Affair 2. Human Capital Management & General Affair Division will
menindaklanjuti setiap laporan dan menyampaikan hasil follow up each report to and submit the assessment result
kajiannya kepada Direksi dan/atau Dewan Komisaris sesuai to the Board of Directors and/or Board of Commissioners
dengan lingkup tanggung jawabnya. Penanganan tindakan according to the scope of responsibility. Such violation
penyimpangan terhadap Pedoman Kode Etik Perilaku against Employee’s Code of Conduct will be handled by in-
Karyawan dilakukan melalui penyelidikan yang mendalam depth investigation based on accountable facts;
dan didasari fakta-fakta yang dapat dipertanggungjawabkan;
3. Direksi dan Dewan Komisaris memutuskan tindakan 3. The Board of Directors and Board of Commissioners will
pembinaan, sanksi disiplin dan/atau tindakan perbaikan serta decide on a directional action, disciplinary sanction and/or
pencegahan yang harus dilaksanakan oleh atasan langsung correctional action and to come up with prevention to be
di lingkungan masing-masing; implemented by the direct supervisor in the respective scope;
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4. Pemberian sanksi bagi pelaku penyimpangan Pedoman Kode 4. The imposition of sanction for the party violating the
Etik Perilaku Karyawan; dan Employee’s Code of Conduct; and
5. Bank memiliki pertimbangan dan hak apabila karyawan 5. The Bank maintains its discretion and right, in the event
melanggar Kode Etik/Peraturan Perusahaan/sistem prosedur an employee violates the Code of Conduct/ Company
dengan memberikan langsung surat peringatan ketiga kepada Regulations/Procedures, by directly giving third warning letter
karyawan yang dinilai melakukan penyimpangan berat tanpa to the relevant employee who is deemed of conducting serious
perlu surat peringatan pertama dan surat peringatan kedua. violation without first giving first and second warning letter.
Bentuk Pelanggaran dan Jenis Sanksi Forms and Types of Sanction
Pelanggaran atau ketidakpatuhan terhadap Kode Etik akan Violation or non-compliance with the Code of Conduct will
dikenai sanksi sesuai tingkat pelanggarannya. Pemberian sanksi be subject to sanctions according to the violation level. The
akan disesuaikan dengan jenis dan keseriusan pelanggaran serta imposition of sanctions will be adjusted to the type and
evaluasi individu yang melanggar yang diuraikan sebagai berikut: seriousness of the violation as well as the evaluation of the
individual committed the violation, which is described as follows:
1. Pelanggaran Ringan 1. Minor Violation
a. Kejadian pertama, minimal teguran lisan dan maksimal a. First incident, verbal reprimand at minimum and first
surat peringatan pertama; warning letter at maximum;
b. Kejadian kedua, minimal surat peringatan kedua dan b. Second incident, second warning letter at minimum and
maksimal surat peringatan ketiga; dan third warning letter at maximum; and
c. Kejadian ketiga dan seterusnya minimal surat peringatan c. Third incident and so on, third warning letter at minimum
ketiga dan maksimal pengunduran diri. and resignation at maximum.
2. Pelanggaran Sedang 2. Moderate Violation
a. Kejadian pertama minimal surat peringatan pertama dan a. First incident, first warning letter at minimum and second
maksimal surat peringatan kedua; dan warning letter at maximum; and
b. Kejadian kedua, minimal surat peringatan kedua dan b. Second incident, second warning letter at minimum and
maksimal pengunduran diri. resignation at maximum.
3. Pelanggaran Berat 3. Severe Violation
Kejadian pertama, minimal tidak diberikan kenaikan gaji dan First incident, no salary increments at minimum and
maksimal pengunduran diri. resignation at maximum.
Pemberian sanksi bagi karyawan yang melanggar Kode Etik juga Employees committing violations will also be sanctioned
dilakukan sesuai dengan aturan kepegawaian yang berlaku. according to the applicable employment regulations. Whereas,
Sedangkan, pemberian sanksi bagi Dewan Komisaris dan Direksi sanctions against the Board of Commissioners and Board of
yang melanggar Kode Etik dilakukan sesuai dengan ketentuan Directors will be according to the provisions of the Bank’s Articles
pada Anggaran Dasar Bank dan keputusan RUPS. of Association and the GMS resolutions.
Laporan Penyimpangan Internal Tahun 2023 Internal Deviation Report in 2023
Bentuk Pelanggaran Surat Peringatan Surat Teguran
Forms Violation Warning Letter Reprimand Letter
Ringan / Minor 15 13
Sedang / Moderate 3 -
Berat / Severe - -
Total 18 13
Trend Kualitas Penerapan Kode Etik Trend on Quality of Code of Conduct
Implementation
Kualitas penerapan Kode Etik di Bank Victoria telah berjalan The quality of Code of Conduct implementation at Bank Victoria
cukup baik. Karyawan Bank Victoria telah mematuhi seluruh has been running quite well. Bank Victoria’s employees have
peraturan yang tercantum dalam Kode Etik. complied with all regulations set out in the Code of Conduct.
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Tata Kelola Perusahaan
Good Corporate Governance
Program Kepemilikan Saham oleh
Manajemen dan Karyawan
Management/Employee Stock Ownership Program
Di tahun 2023, Bank Victoria tidak melaksanakan program In 2023, Bank Victoria did not conduct a management stock
kepemilikan saham oleh manajemen (MSOP) dan/atau program ownership program (MSOP), and/or an employee stock ownership
kepemilikan saham oleh karyawan (ESOP). program (ESOP).
Kebijakan Pengungkapan Informasi
Information Disclosure Policy
Anggota Dewan Komisaris dan Direksi wajib melaporkan Members of the Board of Commissioners and Board of Directors
kepemilikan dan perubahan kepemilikan saham Bank kepada are required to submit report on their shareholding and changes
Otoritas Jasa Keuangan sesuai Peraturan Otoritas Jasa Keuangan on shareholding of the Bank to the Financial Services Authority
No. 11/POJK.04/2017. Laporan wajib disampaikan dalam in accordance with the Financial Services Authority Regulation
waktu maksimal 10 (sepuluh) hari sejak terjadinya perubahan. No. 11/POJK.04/2017. Report is required to be submitted within
Selain laporan kepada Otoritas Jasa Keuangan, anggota Dewan a maximum of 10 (ten) days from the changes of shareholding. In
Komisairs dan Direksi juga harus memberikan informasi kepada addition to reporting to the Financial Services Authority, members
Bank mengenai kepemilikan saham dan setiap perubahannya of the Board of Commissioners and Board of Directors are also
dalam waktu maksimal 3 (tiga) hari kerja setelah terjadinya required to provide information to the Bank regarding their
perubahan. shareholding and changes on shareholding within a maximum of
3 (three) working days after the changes on shareholding.
Pengungkapan Kepemilikan Saham Disclosure of Share Ownership
Informasi kepemilikan saham Dewan Komisaris dan Direksi dapat Information on the Board of Commissioners and Board of
dilihat pada bab Profil Perusahaan. Directors’ shareholding can be seen in the Company Profile
chapter.
Kebijakan Anti Korupsi [POJK F.1]
Anti Corruption Policy
Bank Victoria memiliki kebijakan pencegahan korupsi yang Bank Victoria has a policy on preventing corruption as stated in
tertuang dalam Keputusan Direksi No. 002/SK-DIR/08/20 tanggal the Board of Directors’ Decision Letter No. 002/SK-DIR/08/20
7 Agustus 2020 tentang Kebijakan dan Standar Operasional dated 7 August 2020 on Policy and Standard Operating Procedure
Prosedur Penerapan Strategi Anti Fraud. Implementasi kebijakan for Anti Fraud Strategy Implementation. The Bank applies ant
anti korupsi di Bank dilakukan melalui serangkaian kegiatan corruption policy through a series of the following activities:
berikut:
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1. Pencegahan Benturan Kepentingan 1. Prevention of Conflict of Interest
Guna menghindari benturan kepentingan dalam melaksanakan To avoid conflicts of interest in carrying out all activities
segala aktivitas yang terkait dengan Bank, seluruh karyawan related to the Bank, all employees must refer to the
Bank berpedoman pada Kode Etik Perilaku Karyawan. Employee’s Code of Conduct.
2. Pemberian dan Penerimaan Hadiah atau Donasi 2. Giving and Receiving Gifts or Donations
Kebijakan Bank terkait pemberian dan penerimaan hadiah The Bank's policies with regards to giving and receiving gifts
atau donasi, sebagai berikut: or donations are as follows:
a. Dilarang meminta atau memberi isyarat yang a. It is prohibited to ask or give an impression of requesting
mengesankan suatu permintaan berupa uang, barang, for money, goods, tips, commissions, or any letter to a
tip, komisi, atau surat apapun kepada nasabah atau customer or prospective customer;
calon nasabah;
b. Dilarang menerima pemberian dari nasabah atau calon b. It is prohibited to receive gifts from customers or
nasabah baik berupa uang, barang, tip, komisi, atau prospective customers in the form of money, goods, tips,
sesuatu apapun yang dapat menyebabkan utang budi commissions, or anything that can cause employees’
karyawan kepada nasabah, sehingga dapat memengaruhi debt of deeds to customers, that may influence the
karyawan dalam mengambil keputusan objektif bila employees in making objective decisions in the event of
terjadi masalah antara Bank dengan nasabah; a problem between the Bank and the customer;
c. Karyawan dilarang menggunakan fasilitas atau jasa yang c. It is prohibited to use facilities or services offered by
ditawarkan oleh nasabah atau calon nasabah karena customers or prospective customers due to the good
hubungan baik yang telah dibina, untuk kepentingan relationships that have been fostered, for personal or
pribadi atau keluarga yang dapat menimbulkan benturan family interests that can cause conflicts of interest in the
kepentingan pada tugas karyawan; dan employees’ duties; and
d. Karyawan dilarang menerima penjamuan (hiburan) yang d. It is prohibited to accept excessive entertainment from
berlebihan dari pihak nasabah. Demikian pula karyawan the customer. Likewise, employees are not permitted to
dilarang mengadakan penjamuan berlebihan yang dapat hold excessive entertainment that can create a negative
menimbulkan citra negatif di masyarakat terhadap nama image in the community on the Bank’s reputation and
baik Bank dan nama baik karyawan yang bersangkutan. the employee’s reputation.
Sosialisasi Kebijakan Anti Korupsi Dissemination of Anti Corruption Policy
Sosialisasi kebijakan anti-korupsi Bank kepada seluruh karyawan Dissemination of the Bank’s anti corruption policy to all
dilakukan melalui berbagai kegiatan dan media internal. Hal ini employees is carried out through various activities and internal
bertujuan untuk meningkatkan kesadaran karyawan agar tidak media. This aims to increase employee awareness so as not to be
terlibat dalam tindakan korupsi saat melaksanakan tugas dan involved in acts of corruption when carrying out their duties and
tanggung jawabnya. Pada tahun 2023, Bank telah mengikutsertakan responsibilities. In 2023, the Bank has included Bank employees
karyawan Bank dalam program pendidikan dan pelatihan terkait in education and training programs related to anti-corruption
pelatihan/sosialisasi anti korupsi sebanyak 5 (lima) kali. training/socialization 5 (five) times.
Pengendalian Gratifikasi [POJK F.1]
Gratification Control
Bank Victoria memiliki kebijakan pengendalian gratifikasi yang Bank Victoria has a policy on gratification control regulated
diatur dalam Kode Etik, di mana Dewan Komisaris, Direksi, under the Code of Conduct, in which the Board of Commissioners,
Pejabat Eksekutif, Pimpinan Kantor, seluruh karyawan Bank, dan Board of Directors, Executive Officers, Office Heads, and all
anggota keluarganya tidak diizinkan menerima pemberian dari Bank employees, including their family members, are not
nasabah, baik secara langsung maupun tidak langsung. Kebijakan permitted to receive any gratification from customers, either
ini bertujuan meningkatkan akuntabilitas dan mempertahankan directly or indirectly. This policy aims to increase accountability
nilai perusahaan sebagai Bank yang bersih dari korupsi, kolusi, and maintain the company’s value as a Bank that is free from
dan nepotisme. corruption, collusion, and nepotism.
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Tata Kelola Perusahaan
Good Corporate Governance
Pengelolaan Pengendalian Gratifikasi Management of Gratification Control
Dewan Komisaris, Direksi, Pejabat Eksekutif, Pimpinan Kantor, The Board of Commissioners, Board of Directors, Executive
dan karyawan Bank Victoria serta anggota keluarganya Officers, Office Heads, and employees of Bank Victoria including
yang mendapatkan gratifikasi/parsel dalam bentuk apapun their family members who receive any gratification/parcel in any
wajib mengisi formulir penerimaan gratifikasi/parsel dan form whatsoever are obliged to complete gratification/parcel
menyerahkannya kepada Divisi SKAI & Anti Fraud untuk form and submit it to the SKAI & Anti Fraud Division for follow up.
ditindaklanjuti.
Sosialisasi Kebijakan Pengendalian Dissemination of Gratification Control Policy
Gratifikasi
Sosialisasi terkait pengendalian gratifikasi dilakukan secara Gratification control is disseminated on an ongoing basis to all
berkelanjutan kepada seluruh level organisasi untuk organizational levels to increase awareness. Dissemination is
meningkatkan awareness. Sosialisasi dilakukan melalui media carried out through the Bank’s internal media so that it can be
internal Bank sehingga dapat diakses dengan mudah setiap saat conveniently accessed by all of the Bank’s employees.
oleh seluruh karyawan Bank.
Laporan Gratifikasi Tahun 2023 Gratification Report in 2023
Pada tahun 2023, Divisi SKAI & Anti Fraud tidak menerima In 2023, the SKAI & Anti Fraud Division did not receive any
laporan gratifikasi yang mengandung fraud. gratification reports that contained fraud
Kebijakan Pencegahan Insider Trading [F.1]
Policy to Prevent Insider Trading
Guna mencegah terjadinya insider trading, Kode Etik Bank telah To prevent insider trading, the Bank’s Code of Conduct has
mengatur pencegahan insider trading. Dalam pencegahan regulated the prevention of insider trading. In preventing insider
insider trading, Bank menekankan setiap insan Bank dilarang trading, the Bank emphasizes that all Bank personnel are
memanfaatkan informasi rahasia Bank yang diperoleh dan prohibited from using the Bank’s confidential information that
diketahuinya untuk kepentingan pribadi maupun pihak they obtain and know for personal interests or those of other
lain yang tidak berwenang. Setiap insan Bank juga dilarang unauthorized parties. All Bank personnel are also prohibited from
menginformasikan rencana-rencana Bank yang belum giving information to other unauthorized parties regarding the
dipublikasikan kepada pihak lain yang tidak berkepentingan. Bank’s plans that are not published yet.
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Sistem Pelaporan Pelanggaran [POJK F.1]
Whistleblowing System
Sistem pelaporan pelanggaran (whistleblowing system/WBS) The whistleblowing system (WBS) is a forum for employees and
merupakan wadah bagi karyawan dan pemangku kepentingan other stakeholders to submit reports regarding violations that
lainnya untuk menyampaikan laporan terkait pelanggaran yang occur in business activities. The implementation of this system is
terjadi di dalam aktivitas bisnis. Penerapan sistem tersebut expected to encourage Bank personnel to work with integrity and
diharapkan dapat mendorong insan Bank untuk bekerja dengan uphold the Bank’s values and culture.
penuh integritas dan berpegang teguh pada nilai dan budaya
Bank.
Kebijakan Sistem Pelaporan Pelanggaran Whistleblowing System Policy
Bank Victoria telah menetapkan kebijakan WBS dalam Bank Victoria established a WBS policy in the Board of Directors’
Keputusan Direksi No. 002/SK-DIR/08/20 tentang Kebijakan dan Decision Letter No. 002/SK-DIR/08/20 on Policies and Standard
Standar Operasional Prosedur Penerapan Strategi Anti Fraud Operating Procedures for the Implementation of Anti Fraud
PT Bank Victoria International Tbk. Kebijakan WBS Bank Strategy of PT Bank Victoria International Tbk. The Bank’s WBS
mengatur struktur pengelolaan WBS, mekanisme kerja, mulai policy governs the WBS management structure, work mechanism,
dari pelaporan pelanggaran, landasan hukum perlindungan starting from violation reporting, legal basis of whistleblower
pelapor, perlindungan yang diberikan, serta monitoring dan protection, protection provided, and monitoring and review. The
review. Kebijakan WBS juga mengatur kewajiban Tim Pengelola WBS policy also regulates the WBS Managing Team’s obligations
WBS untuk: to:
1. Melaksanakan program promosi dan sosialisasi secara 1. Carry out an extensive and intensive promotion and
ekstensif dan intensif supaya pelaksanaan prosedur WBS dissemination program so that the implementation of WBS
dapat dipahami dengan benar; procedures can be understood correctly;
2. Menyelenggarakan tata laksana organisasi sedemikian rupa 2. Conduct organizational governance in such a way that the
sehingga laporan pelanggaran yang disampaikan dapat violation report submitted can be handled properly and well
ditangani dengan baik serta terdokumentasi dengan baik, documented, but the confidentiality of the reporter is also
namun kerahasiaan pelapor juga tetap terjamin; guaranteed;
3. Melakukan laporan setiap semester kepada Direksi 3. Conduct a semester report to the Board of Directors on the
tentang pelaksanaan program WBS terkait laporan dugaan implementation of WBS program on allegedly infringement
pelanggaran, meliputi sekurang-kurangnya: reports, which include at least:
a. Apakah prosedur WBS dapat diterapkan dengan baik a. Is the WBS procedure properly implemented and gained
dan mendapatkan sambutan yang positif dari karyawan positive response from employees or other stakeholders?
ataupun para pemangku kepentingan lainnya?
b. Apakah prosedur WBS cukup efektif dalam melakukan b. Is the WBS procedure effective enough in early detection
deteksi dini dan pencegahan penyimpangan ataupun and prevention of irregularities or offenses?
pelanggaran?
c. Apakah terdapat suatu pola pelanggaran tertentu yang c. Is there any particular pattern of repeated violations?
sering berulang? Apakah kira-kira penyebabnya? What are the causes?
d. Saran perbaikan untuk meningkatkan efektivitas d. Suggestions for improvement to increase the effectiveness
penerapan WBS dalam mencapai sasaran penciptaan of WBS implementation in achieving the objectives of
iklim kerja yang terbuka, tulus, dan bertanggung jawab. creating an open, sincere, and responsible work climate.
Sosialisasi Kebijakan Sistem Pelaporan Dissemination of Whistleblowing System Policy
Pelanggaran
Bank secara rutin melakukan sosialisasi WBS dan edukasi untuk The Bank routinely conducts dissemination of WBS and
mencegah fraud. Di lingkungan internal, Tim Pengelola WBS education to prevent fraud. In the internal environment, the
melakukan sosialisasi WBS melalui pelatihan dan mengirimkan WBS Management Team disseminates WBS through training and
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Tata Kelola Perusahaan
Good Corporate Governance
e-mail bulanan. Sedangkan di lingkungan eksternal, sosialisasi sending monthly e-mails. Meanwhile, in the external environment,
dilakukan melalui situs web Bank, buletin internal, poster, dissemination is carried out through the Bank’s website, internal
sosialisasi etika, dan presentasi langsung kepada pihak terkait. bulletin, poster, dissemination of ethics, and direct presentations
to the related parties.
Jenis Pelanggaran yang Dapat Dilaporkan Types of Violation that Can Be Reported
Jenis-jenis pelanggaran yang dapat dilaporkan kepada Tim WBS Types of violations that can be reported to the WBS Team are
meliputi namun tidak terbatas pada: including but not limited to:
1. Seluruh tindakan melanggar hukum pidana (misalnya: pencurian, 1. All actions that violate criminal law (e.g. theft, fraud, drug
penipuan, penggunaan narkoba, dan lain sebagainya); use, etc.);
2. Penyalahgunaan wewenang dalam melayani nasabah, 2. Misuse of authority in serving the customers, debtors,
debitur, vendor atau pemasok lainnya (misalnya: penundaan vendors, or other suppliers (e.g. unwarranted payment
pembayaran tidak beralasan, pemerasan, dan lain sebagainya); delays, extortion, etc.);
3. Pelanggaran peraturan perbankan yang diatur dalam Undang- 3. Violation of banking regulations stipulated in Banking Law
Undang tentang Perbankan (misalnya: tidak melaksanakan (for example: not practicing prudent principles, disclosing
prinsip kehati-hatian, membuka rahasia nasabah kepada customers’ confidential information to unauthorized parties,
yang tidak berhak, melakukan pencatatan yang tidak making incorrect records, asking for money for the banking
benar, meminta uang atas jasa pelayanan perbankan yang services performed);
dilakukan);
4. Pelanggaran peraturan perpajakan atau aturan pelaporan 4. Violations of tax regulations or corporate financial reporting
keuangan perusahaan yang tidak sesuai dengan Pernyataan regulations that are not in accordance with the Statement of
Standar Akuntansi Keuangan; Financial Accounting Standards;
5. Perbuatan yang dapat merugikan Bank, baik finansial 5. Acts that may harm the Bank, both financially and
maupun non-finansial, termasuk menciderai citra Bank; nonfinancially, including harm the Bank’s image;
6. Pelanggaran aturan internal yang dapat menciderai 6. Violations of internal rules that may jeopardize the integrity
integritas pelaporan perusahaan, baik di bidang keuangan of the corporate reporting, whether in finance or other fields;
ataupun bidang lainnya; dan and
7. Perbuatan yang membahayakan keselamatan dan kesehatan 7. Acts that endanger occupational safety and health.
kerja.
Cara Penyampaian Laporan Pelanggaran dan Mechanism to Submit Whistleblowing Report
Pihak yang Mengelola Pelanggaran and Party Managing the Violations
Bank Victoria menerapkan mekanisme WBS, di mana pelapor Bank Victoria implements a WBS mechanism in which reporters
dapat menyampaikan laporan suatu pelanggaran secara lisan, can submit reports of a violation orally, by letter, via e-mail or
dengan surat, melalui e-mail atau sms kepada Unit Anti Fraud sms to the Anti Fraud Unit at the following address:
pada alamat sebagai berikut:
1. Melalui Surat 1. By Mail
Ditujukan kepada Direktur Utama dan ditembuskan kepada Addressed to the President Director with a copy to the Anti
Unit Anti Fraud di Graha BIP Lt. 10, Jl. Gatot Subroto Kav. 23, Fraud Unit at Graha BIP 10th Floor, Jl. Gatot Subroto Kav. 23,
Karet Semanggi, Setiabudi, Jakarta Selatan, Daerah Khusus Karet Semanggi, Setiabudi, Jakarta Selatan, Daerah Khusus
Ibukota Jakarta 12930. Ibukota Jakarta 12930.
2. Melalui E-mail 2. By E-mail
a. Unit Anti Fraud apabila terlapor adalah karyawan dengan a. Anti Fraud Unit, if the reported party is an employee, at
alamat e-mail: unitantifraud@victoriabank.co.id. unitantifraud@victoriabank.co.id.
b. Direktur Utama apabila terlapor adalah anggota b. President Director, if the reported party is a
Dewan Komisaris dengan alamat e-mail member of the Board of Commissioners, at
unitantifrauddireksi@victoriabank.co.id. unitantifrauddireksi@victoriabank.co.id.
c. Dewan Komisaris apabila terlapor adalah c. Board of Commissioners, if the reported party
anggota Direksi dengan alamat e-mail is a member of the Board of Directors, at
unitantifraudkomisaris@victoriabank.co.id. unitantifraudkomisaris@victoriabank.co.id.
3. Melalui telepon atau SMS dengan nomor ke: 081 1870 7649. 3. By telephone or SMS to: 081 1870 7649.
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Perlindungan bagi Pelapor Protection for Whistleblower
Manajemen Bank Victoria sangat menyarankan agar pelapor Bank Victoria’s management strongly recommends that the
mencantumkan identitas untuk memudahkan Tim Anti Fraud whistleblower includes his/her identity in the report to make
dalam melakukan investigasi. Meskipun demikian, kerahasiaan it easier for the Anti Fraud Team to carry out investigations.
identitas pelapor akan tetap dijaga Tim Anti Fraud dan dijamin Nevertheless, the whistleblower’s identity will remain confidential
oleh Dewan Komisaris dan Direksi. Informasi minimal pelapor by the Anti Fraud Team, which is guaranteed by the Board of
yang diperlukan adalah alamat surat atau e-mail, nomor telepon, Commissioners and Board of Directors. Information regarding the
atau nomor telepon genggam. whistleblower that is needed at least covers the email address,
phone number, or mobile phone number.
Apabila pelapor merasa terancam setelah melaporkan adanya If the whistleblower feels threated after reporting a violation, then
tindakan pelanggaran, maka dalam hal ini, Bank berkewajiban in this case the Bank is obligated to protect the whistleblower
untuk melakukan perlindungan yang meliputi: which includes:
1. Perlindungan fisik, baik terhadap dirinya sendiri maupun 1. Physical protection, both for the whistleblower and for the
keluarganya; family members;
2. Perlindungan terhadap harta benda miliknya dan milik 2. Protection for the whistleblower’s properties and family
keluarganya atas teror ataupun pembalasan yang harus members’ properties against terror or any retaliation the
dialaminya; whistleblower is dealing with;
3. Perlindungan administratif yang berupa penundaan kenaikan 3. Administrative protection in the form of suspension of
pangkat, pemecatan, pengucilan di tempat kerja, mutasi promotion, termination, expulsion at work, unreasonable
yang tidak layak, termasuk kepastian kerja dan lainnya; serta transfer, including work assurance etc.; and
4. Perlindungan hukum dalam proses litigasi di Pengadilan Negeri, 4. Legal protection in the litigation process in the District
termasuk biayanya, dan bila perlu termasuk perlindungan Court, including the fee and if necessary, including protection
melalui Lembaga Perlindungan Saksi dan Korban. through Witness and Victim Protection Agency.
Penanganan Pengaduan Complaint Handling
Setiap pengaduan pelanggaran yang masuk akan dikelola oleh Any incoming violation complaint will be managed by the Anti
Tim Anti Fraud, untuk selanjutnya dilakukan investigasi atas Fraud team, to further be investigated for its truth. In the event
kebenaran laporan yang diterima. Jika diketahui bahwa laporan that the report is proven to be true, it will be submitted to the
terbukti kebenarannya, maka akan disampaikan kepada Dewan Board of Commissioners and Board of Directors to determine
Komisaris dan Direksi untuk menentukan jenis sanksi yang akan the type of sanction to be imposed. Whereas, complaint that
diberikan. Sedangkan, laporan yang tidak terbukti keakuratannya, is proven inaccurate will be ignored and set aside as a report
maka laporan tersebut akan diabaikan dan disisihkan sebagai that does need to be followed-up. The Bank will not impose any
laporan yang tidak perlu ditindaklanjuti. Bank juga tidak akan sanction to whistleblower of a report that is not proven true after
memberikan sanksi kepada pelapor apabila laporannya tidak an investigation is carried out by the Anti Fraud Team.
terbukti setelah melalui penyelidikan yang dilakukan oleh Tim
Anti Fraud.
Laporan Pelanggaran Tahun 2023 dan Tindak Whistleblowing Report in 2023 and Its Follow
Lanjutnya Up
Sepanjang tahun 2023, tidak terdapat penyimpangan atau Throughout 2023, there were no irregularities or fraud in the
kecurangan proses kerja dan kegiatan operasional Bank, baik Bank’s work processes and operational activities, whether
yang dilakukan oleh Dewan Komisaris, Direksi, maupun karyawan committed by the Board of Commissioners, Board of Directors,
Bank. or Bank employees.
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Tata Kelola Perusahaan
Good Corporate Governance
Akses Informasi dan Data Perusahaan
Access to Company’s Information and Data
Bank berkomitmen untuk memberikan kemudahan akses The Bank is committed to providing easy access to information
informasi kepada masyarakat, Pemegang Saham, ataupun for the public, Shareholders, and other stakeholders. This
pemangku kepentingan lainnya. Informasi tersebut dapat diakses information can be accessed through:
melalui:
Corporate Secretary Corporate Secretary
Gedung Graha BIP Lt. 10 Graha BIP Building 10th Floor
Jl. Gatot Subroto Kav. 23 Jl. Gatot Subroto Kav. 23
Jakarta Selatan 12930 South Jakarta 12930
T : (021) 522 8888 T : (021) 522 8888
F : (021) 522 8777 F : (021) 522 8777
E : corsec@victoriabank.co.id E : corsec@victoriabank.co.id
W : www.victoriabank.co.id W : www.victoriabank.co.id
Situs Web Website
Publik dapat dengan mudah mengakses situs web Bank untuk The public can easily access the Bank’s website to obtain financial
mendapatkan informasi keuangan dan non-keuangan, termasuk and non-financial information, including products/facilities,
produk/fasilitas, laporan-laporan wajib, dan peluang karier di mandatory reports, and career opportunities at the Bank. The
Bank. Situs web Bank juga menyediakan saluran informasi terkait Bank’s website also provides information channels related to
dengan Bank Victoria, meliputi: Bank Victoria, including:
1. Call center : 1500977 1. Call center : 1500977
2. E-mail : costumercare@victoriabank.co.id 2. E-mail : costumercare@victoriabank.co.id
3. Facebook : @BankVictoriaID 3. Facebook : @BankVictoriaID
4. Youtube : Bank Victoria 4. Youtube : Bank Victoria
5. Instagram : @bankvictoria 5. Instagram : @bankvictoria
Media Elektronik Electronic Media
Bank menggunakan media elektronik seperti situs web dan e-mail The Bank uses electronic media such as website and email
(corsec@victoriabank.co.id) untuk menyampaikan informasi yang (corsec@victoriabank.co.id) to deliver relevant information,
relevan, termasuk Laporan Tahunan. Pemangku kepentingan including Annual Reports. Stakeholders can register their identity
dapat mendaftarkan identitas dan alamat e-mail pada mailing list and email address on the mailing list via the Bank’s website
melalui situs web Bank (www.victoria.co.id) untuk mendapatkan (www.victoria.co.id) to regularly receive information.
informasi secara berkala.
Siaran Pers Press Release
Bank Victoria menggunakan article placement untuk Bank Victoria uses article placements to inform performance-
menginformasikan kegiatan terkait kinerja dan kegiatan lainnya. related activities and other activities. In 2023, Bank Victoria
Selama tahun 2023, Bank Victoria telah menerbitkan article issued 17 (seventeen) article placements.
placement sebanyak 17 (tujuh belas) artikel.
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Buletin Bulletin
Bank Victoria menerbitkan buletin bernama Victoria News Bank Victoria issued a bulletin called Victoria News as a medium
sebagai media untuk menyampaikan informasi kepada pemangku for delivering information to stakeholders. In 2023, Victoria News
kepentingan. Selama tahun 2023, Victoria News telah menebitkan published content 24 (twenty-four) times.
konten sebanyak 24 (dua puluh empat) kali.
Implementasi Tata Kelola Perusahaan Terbuka
Implementation of Corporate Governance of Public Company
Penerapan GCG Bank telah disesuaikan dengan Peraturan The Bank’s GCG implementation has been adjusted to the
Otoritas Jasa Keuangan No. 21/POJK.04/2015 dan Surat Edaran Financial Services Authority Regulation No. 21/POJK.04/2015
Otoritas Jasa Keuangan No. 32/SEOJK.04/2015, sebagaimana and Financial Services Authority Circular No. 32/SEOJK.04/2015,
diungkapkan berikut: as stated below:
Aspek 1: Hubungan Perusahaan Terbuka dengan Pemegang Saham dalam Menjamin Hak-Hak Pemegang Saham
Aspect 1: Relationship between the Public Company and Shareholders in Guaranteeing the Shareholders’ Rights
Prinsip 1: Meningkatkan Nilai Penyelenggaraan RUPS.
Principle 1: Increasing the Value of Convening GMS.
REKOMENDASI 1 RECOMMENDATION 1
Perusahaan terbuka memiliki cara atau prosedur teknis pengumpulan The public company has technical voting methods or procedures, either
suara (voting), baik secara terbuka maupun tertutup yang mengedepankan open or close, prioritizing independence, and interest of Shareholders.
independensi, dan kepentingan Pemegang Saham.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Bank memiliki prosedur pengumpulan suara dalam RUPS yang diatur dalam The Bank has procedures for voting at the GMS which are regulated in the
Anggaran Dasar. Articles of Association.
REKOMENDASI 2 RECOMMENDATION 2
Seluruh anggota Direksi dan anggota Dewan Komisaris perusahaan terbuka All members of Board of Directors and members of Board of Commissioners
hadir dalam RUPS Tahunan. of the public company attend the Annual GMS.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Seluruh anggota Dewan Komisari dan Direksi hadir dalam RUPS Tahunan All members of Board of Commissioners and Board of Directors attended
2023. the 2023 Annual GMS.
REKOMENDASI 3 RECOMMENDATION 3
Ringkasan risalah RUPS tersedia dalam situs web perusahaan terbuka Summary of GMS minutes is available on the public company’s website for
paling sedikit selama 1 (satu) tahun. at least 1 (one) year.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Situs web Bank Victoria telah memuat ringkasan RUPS selama lebih dari 1 Bank Victoria website has posted a summary of the GMS for more than
(satu) tahun. 1 (one) year.
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Tata Kelola Perusahaan
Good Corporate Governance
Prinsip 2: Meningkatkan Kualitas Komunikasi Perusahaan Terbuka dengan Pemegang Saham atau Investor.
Principle 2: Increasing the Communication Quality between the Public Company and Shareholders or Investors.
REKOMENDASI 4 RECOMMENDATION 4
Perusahaan terbuka memiliki suatu kebijakan komunikasi dengan The public company has communication policy with the Shareholders or
Pemegang Saham atau investor. investors.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Bank telah menetapkan kebijakan komunikasi dengan Pemegang Saham The Bank has established a policy on communication with Shareholders
atau investor sesuai dengan Anggaran Dasar Bank yang terkait dengan or investors in accordance with the Bank’s Articles of Association related
RUPS. to the GMS.
REKOMENDASI 5 RECOMMENDATION 5
Perusahaan terbuka mengungkapkan kebijakan komunikasi perusahaan The public company discloses its policy on communication with
terbuka dengan Pemegang Saham atau investor dalam situs web. Shareholders or investors on the website.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Bank telah memiliki kebijakan komunikasi dalam rangka transparansi dan The Bank already has a communication policy in order to be transparent
memberikan kesetaraan informasi kepada Pemegang Saham atau investor and provide information equality to Shareholders or Investors, which can
yang dapat diakses pada situs resmi Bank www.victoriabank.co.id bagian be accessed on the Bank’s official website at www.victoriabank.co.id in the
Hubungan Investor. Investor Relations section.
Aspek 2: Fungsi dan Peran Dewan Komisaris
Aspect 2: Functions and Roles of the Board of Commissioners
Prinsip 3: Memperkuat Keanggotaan dan Komposisi Dewan Komisaris.
Principle 3: Strengthening the Board of Commissioners’ Membership and Composition.
REKOMENDASI 6 RECOMMENDATION 6
Penentuan jumlah anggota Dewan Komisaris mempertimbangkan kondisi The determination of number of Board of Commissioners’ members
perusahaan terbuka. considers the public company’s condition.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Penentuan jumlah anggota Dewan Komisaris telah mempertimbangkan The determination of number of Board of Commissioners’ members has
kondisi terkini Bank serta telah memenuhi persyaratan Otoritas Jasa considered the Bank’s current condition and has met the requirements of
Keuangan. the Financial Services Authority.
REKOMENDASI 7 RECOMMENDATION 7
Penentuan komposisi anggota Dewan Komisaris memperhatikan The determination of Board of Commissioners’ composition considers the
keberagaman keahlian, pengetahuan, dan pengalaman yang dibutuhkan. range of expertise, knowledge, and experience required.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Anggota Dewan Komisaris yang menjabat saat ini memiliki keahlian, The current members of Board of Commissioners have expertise,
pengetahuan, dan pengalaman yang dibutuhkan Bank. knowledge, and experience required by the Bank.
Prinsip 4: Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris.
Principle 4: Increasing the Quality of Implementation of Board of Commissioners’ Duties and Responsibilities.
REKOMENDASI 8 RECOMMENDATION 8
Dewan Komisaris mempunyai kebijakan penilaian sendiri (self assessment) The Board of Commissioners has self-assessment policy to assess the Board
untuk menilai kinerja Dewan Komisaris. of Commissioners’ performance.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Kebijakan terkait penilaian sendiri kinerja Dewan Komisaris telah dimuat The policy related to self-assessment of the Board of Commissioners’
dalam BOC Charter. performance has been set out in the BOC Charter.
REKOMENDASI 9 RECOMMENDATION 9
Kebijakan penilaian sendiri (self assessment) untuk menilai kinerja Dewan The self-assessment policy to assess the Board of Commissioners’
Komisaris, diungkapkan melalui Laporan Tahunan perusahaan terbuka. performance is disclosed in the public company’s Annual Report.
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STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Berdasarkan BOC Charter, Dewan Komisaris melaksanakan penilaian sendiri Based on the BOC Charter, the Board of Commissioners consistently
secara konsisten setiap tahun. Uraian terkait pelaksanaan penilaian sendiri performs self-assessment annually. The description regarding the
Dewan Komisaris telah disampaikan dalam Laporan Tahunan ini. implementation of Board of Commissioners’ self-assessment is conveyed
in this Annual Report.
REKOMENDASI 10 RECOMMENDATION 10
Dewan Komisaris mempunyai kebijakan terkait pengunduran diri anggota The Board of Commissioners has policy related to resignation of the Board
Dewan Komisaris apabila terlibat dalam kejahatan keuangan. of Commissioners’ members if involved in financial crime.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Kebijakan terkait pengunduran diri Dewan Komisaris apabila terlibat The policy related to the resignation of the Board of Commissioners if they
kejahatan keuangan telah dimuat dalam BOC Charter. are involved in financial crimes are contained in the BOC Charter.
REKOMENDASI 11 RECOMMENDATION 11
Dewan Komisaris atau Komite yang menjalankan fungsi nominasi dan The Board of Commissioners or Committee performing nomination and
remunerasi menyusun kebijakan suksesi dalam proses nominasi anggota remuneration functions prepares the succession policy for the nomination
Direksi. process of the Board of Directors’ members.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Komite Nominasi dan Remunerasi Bank telah mempunyai kebijakan suksesi The Bank’s Nomination and Remuneration Committee already has a
dalam proses Nominasi anggota Direksi yang tertuang dalam Kebijakan succession policy for the Nomination process of the Board of Directors’
Sistem Nominasi dan Remunerasi. members as stated in the Nomination and Remuneration System Policy.
Aspek 3: Fungsi dan Peran Direksi
Aspect 3: Functions and Roles of the Board of Directors
Prinsip 5: Memperkuat Keanggotaan dan Komposisi Direksi.
Principle 5: Strengthening the Board of Directors’ Membership and Composition.
REKOMENDASI 12 RECOMMENDATION 12
Penentuan jumlah anggota Direksi mempertimbangkan kondisi perusahaan The determination of number of Board of Directors’ members considers the
terbuka, serta efektivitas dalam pengambilan keputusan. public company’s condition and effectiveness in decision-making.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Penentuan jumlah anggota Direksi telah mempertimbangkan kondisi The determination of number of Board of Directors’ members has
terkini Bank serta telah memenuhi persyaratan Otoritas Jasa Keuangan. considered the Bank’s current condition and has met the requirements of
the Financial Services Authority.
REKOMENDASI 13 RECOMMENDATION 13
Penentuan komposisi anggota Direksi memperhatikan, keberagaman The determination of Board of Directors’ composition considers the range
keahlian, pengetahuan, dan pengalaman yang dibutuhkan. of expertise, knowledge, and experience required.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Anggota Direksi yang menjabat saat ini memiliki keahlian, pengetahuan, The current members of Board of Directors have the expertise, knowledge,
dan pengalaman yang dibutuhkan Bank. and experience required by the Bank.
REKOMENDASI 14 RECOMMENDATION 14
Anggota Direksi yang membawahi bidang akuntansi atau keuangan The Board of Directors’ member in charge of accounting or finance has the
memiliki keahlian dan/atau pengetahuan di bidang akuntansi. expertise and/or knowledge in accounting.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Anggota Direksi yang membawahi bidang akuntansi atau keuangan telah The Board of Directors’ member in charge of accounting or finance already
memiliki keahlian dan/atau pengetahuan di bidang akuntansi. has the expertise and/or knowledge in accounting.
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Tata Kelola Perusahaan
Good Corporate Governance
Prinsip 6: Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Direksi.
Principle 6: Increasing the Quality of Implementation of Board of Directors’ Duties and Responsibilities.
REKOMENDASI 15 RECOMMENDATION 15
Direksi mempunyai kebijakan penilaian sendiri (self assessment) untuk The Board of Directors has self-assessment policy to assess the Board of
menilai kinerja Direksi. Directors’ performance.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Kebijakan terkait penilaian sendiri kinerja Direksi telah dimuat dalam BOD The policy related to self-assessment of the Board of Directors’ performance
Charter. has been set out in the BOD Charter.
REKOMENDASI 16 RECOMMENDATION 16
Kebijakan penilaian sendiri (self assessment) untuk menilai kinerja Direksi The self-assessment policy to assess the Board of Directors’ performance is
diungkapkan melalui laporan tahunan perusahaan terbuka. disclosed in the public company’s Annual Report.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Berdasarkan BOD Charter, Direksi melaksanakan penilaian sendiri secara Based on the BOD Charter, the Board of Directors consistently performs the
konsisten setiap tahun. Uraian terkait pelaksanaan penilaian sendiri Direksi self-assessment annually. The description regarding the implementation of
telah disampaikan dalam Laporan Tahunan ini. Board of Directors’ self-assessment is conveyed in this Annual Report.
REKOMENDASI 17 RECOMMENDATION 17
Direksi mempunyai kebijakan terkait pengunduran diri anggota Direksi The Board of Directors has policy related to resignation of the Board of
apabila terlibat dalam kejahatan keuangan. Directors’ members if involved in financial crime.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Kebijakan terkait pengunduran diri Direksi apabila terlibat kejahatan The policy related to the resignation of Board of Directors if they are
keuangan telah dimuat dalam BOD Charter. involved in financial crimes are contained in the BOD Charter.
Aspek 4: Partisipasi Pemangku Kepentingan
Aspect 4: Stakeholders Participation
Prinsip 7: Meningkatkan Aspek Tata Kelola Perusahaan melalui Partisipasi Pemangku Kepentingan.
Principle 7: Increasing the Corporate Governance Aspect through Stakeholders Participation.
REKOMENDASI 18 RECOMMENDATION 18
Perusahaan terbuka memiliki kebijakan untuk mencegah terjadinya insider The public company has a policy to prevent the occurrence of insider
trading. trading.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Kebijakan untuk mencegah insider trading telah dimuat dalam Kode Etik. Policy to prevent insider trading is set out in the Code of Conduct.
REKOMENDASI 19 RECOMMENDATION 19
Perusahaan terbuka memiliki kebijakan anti korupsi dan anti fraud. The public company has anti-corruption and anti fraud policy.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Kebijakan tentang anti korupsi dan anti fraud telah dimuat dalam Kode Etik. Policy on anti corruption and anti fraud is set out in the Code of Conduct.
REKOMENDASI 20 RECOMMENDATION 20
Perusahaan terbuka memiliki kebijakan tentang seleksi dan peningkatan The public company has a policy on selection and improvement of
kemampuan pemasok atau vendor. supplier’s or vendor’s capabilities.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Kebijakan tentang seleksi dan peningkatan kemampuan pemasok atau Policy on selection and improvement of the Bank’s supplier’s or vendor’s
vendor Bank diatur dalam Surat Keputusan Direktur No. 143/SK-DIR/06/14 capabilities is stipulated under the Board of Directors’ Decision Letter
tanggal 24 Juni 2014 tentang Penambahan dan Perubahan Kebijakan dan No. 143/SK-DIR/06/14 dated 24 June 2014 on Additions and Changes to
Prosedur General Affair. Policy and Procedure of General Affair.
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REKOMENDASI 21 RECOMMENDATION 21
Perusahaan terbuka memiliki kebijakan tentang pemenuhan hak-hak The public company has a policy on the fulfillment of creditor’s rights.
kreditur.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Kebijakan tentang pemenuhan hak-hak kreditur telah dimuat dalam Kode Policy on the fulfillment of creditor’s rights is set out in the Code of
Etik. Conduct.
REKOMENDASI 22 RECOMMENDATION 22
Perusahaan terbuka memiliki kebijakan sistem WBS. The public company has a policy on WBS system.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Bank telah memutakhirkan Kebijakan dan Standar Operasional Prosedur The Bank has updated the Policy and Standard Operating Procedure for
Penerapan Anti Fraud serta Penerapan Whistleblowing System melalui the Implementation of Anti Fraud and Whistleblowing System through the
Keputusan Direksi No. 002/SK-DIR/08/20 tanggal 7 Agustus 2020 tentang Board of Directors’ Decision Letter No. 002/SK-DIR/08/20 dated 7 August
Kebijakan dan Standar Operasional Prosedur Penerapan Strategi Anti Fraud 2020 on Policy and Standard Operating Procedure for Anti Fraud Strategy
PT Bank Victoria International Tbk. Implementation of PT Bank Victoria International Tbk.
REKOMENDASI 23 RECOMMENDATION 23
Perusahaan terbuka memiliki kebijakan pemberian insentif jangka panjang The public company has a policy on provision of long-term incentive for the
kepada Direksi dan karyawan. Board of Directors and employees.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Bank memberlakukan insentif jangka panjang kepada Direksi dan The Bank applies long-term incentives to the Board of Directors
karyawan sesuai dengan Keputusan Direksi No. 001A/SK-DIR/12/22 and employees in accordance with the Board of Directors Decree
tanggal 1 Desember 2022 tentang Kebijakan dan Prosedur Human Capital No. 001A/SK-DIR/12/22 dated 1 December 2022 on Human Capital
Management. Informasi terkait pemberian insentif ini terdokumentasi Management Policies and Procedures. Information related to the provision of
dalam catatan Laporan Keuangan, khususnya terkait Liabilitas Imbalan incentives is documented in the notes to Financial Statements, particularly
Kerja, yang terlampir dalam Laporan Tahunan ini. related to Employee Benefits Obligation as enclosed to this Annual Report.
Aspek 5: Keterbukaan Informasi
Aspect 5: Information Disclosure
Prinsip 8: Meningkatkan Pelaksanaan Keterbukaan Informasi.
Principle 8: Increasing the Implementation of Information Disclosure.
REKOMENDASI 24 RECOMMENDATION 24
Perusahaan terbuka memanfaatkan penggunaan teknologi informasi secara The public company utilizes information technology more broadly, in
lebih luas selain situs web sebagai media keterbukaan informasi. addition to the website, as a media for information disclosure.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Platform media sosial, IDX Net, dan Sistem Pelaporan Otoritas Jasa Social media platforms, IDX Net, and the Financial Services Authority
Keuangan dimanfaatkan dengan baik oleh Bank sebagai sarana Reporting System are properly utilized by the Bank as a means of delivering
penyampaian informasi bagi para pemangku kepentingan. information to stakeholders.
REKOMENDASI 19 RECOMMENDATION 19
Laporan Tahunan perusahaan terbuka mengungkapkan pemilik manfaat The public company’s Annual Report discloses the ultimate beneficial
akhir dalam kepemilikan saham perusahaan terbuka paling sedikit 5%, owner of the public company’s share ownership of at least 5%, in addition
selain pengungkapan pemilik manfaat akhir dalam kepemilikan saham to the disclosure of the ultimate beneficial owner in the share ownership of
perusahaan terbuka melalui Pemegang Saham Utama dan Pengendali. public company through the Main and Controlling Shareholders.
STATUS DAN PENERAPAN STATUS AND IMPLEMENTATION
Terpenuhi Complied
Informasi terkait pemilik manfaat terakhir Bank diungkapkan pada bagian Information related to the Bank’s ultimate beneficial owner is disclosed in
Profil Perusahaan dalam Laporan Tahunan ini. the Company Profile section of this Annual Report.
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Tata Kelola Perusahaan
Good Corporate Governance
Pedoman Umum Governansi Korporat Indonesia
General Guidelines for Indonesian Corporate Governance
Bank Victoria applies the principles and recommendations of the 2021
Bank Victoria menerapkan prinsip dan rekomendasi PUGKI 2021
PUGKI (General Guidelines for Indonesian Corporate Governance)
berdasarkan pendekatan “terpenuhi atau penjelasan” dengan based on the “complied or explanation” approach with details of its
rincian implementasi sebagai berikut: implementation as follows:
Prinsip 1: Peran dan Tanggung Jawab Direksi dan Dewan Komisaris
Principle 1: Roles and Responsibilities of the Board of Directors and Board of Commissioners
Rekomendasi 1.1: Peran dan Tanggung Jawab Direksi.
Recommendation 1.1: Roles and Responsibilities of the Board of Directors.
REKOMENDASI 1.1.1: RECOMMENDATION 1.1.1:
Untuk mencapai penciptaan nilai yang berkelanjutan, Direksi menjalankan peran To achieve sustainable value creation, the Board of Directors carries out
kepemimpinannya dan berupaya mencapai hasil governansi sebagai berikut: its leadership role and seeks to achieve the following governance results:
1. Berdaya saing dan berfokus ke kinerja jangka panjang; 1. Be competitive and focused on long-term performance;
2. Beretika dan bertanggung jawab dalam menjalankan bisnis; 2. Be ethical and responsible in conducting business;
3. Berkontribusi positif terhadap masyarakat dan lingkungan; serta 3. Have positive contributions to the community and the environment; and
4. Berkemampuan dalam bertahan dan bertumbuh (corporate resilience). 4. Be able to survive and grow (corporate resilience).
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Direksi mewujudkan standar etika bisnis yang tinggi dan memastikan The Board of Directors realizes high standards of business ethics and
pelaksanaan Kode Etik yang melahirkan budaya korporasi yang ensures of that the Code of Conduct implementation creates a corporate
berintegritas. Hal ini dilakukan salah satunya dengan menerapkan Nilai culture with integrity. This is done, among others, by implementing the
Budaya Perusahaan, SQEW (Safe, Quick, Easy, Warm). Company’s Cultural Values, SQEW (Safe, Quick, Easy, Warm).
REKOMENDASI 1.1.2: RECOMMENDATION 1.1.2:
Direksi harus memastikan bahwa misi, visi, tujuan, sasaran, strategi, dan The Board of Directors must ensure that the corporate mission, vision,
rencana tahunan dan jangka menengah korporasi konsisten dengan tujuan goals, objectives, strategies, and annual as well as mid-term plans are
jangka panjang, dengan memanfaatkan inovasi dan teknologi secara efektif. consistent with the long-term goals, by effectively utilizing innovation and
technology.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Direksi telah menjadikan optimalisasi penerapan teknologi informasi terkini The Board of Directors has made the optimization of the latest information
sebagai salah satu pilar strategi dalam mencapai target bisnis baik jangka technology application as one of the strategic pillars in achieving both
pendek maupun jangka panjang. short and long-term business targets.
REKOMENDASI 1.1.3: RECOMMENDATION 1.1.3:
Direksi memastikan bahwa korporasi menerapkan manajemen risiko dan The Board of Directors ensures that the corporation implements an
sistem pengendalian internal yang tepat dan efektif yang selaras dengan appropriate and effective risk management and internal control system,
visi, misi, tujuan, sasaran, dan strategi korporasi serta mematuhi peraturan that is aligned with the corporate vision, mission, goals, objectives, and
perundang-undangan dan standar yang berlaku. strategies, as well as complies with applicable laws and regulations and
standards.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Sistem manajemen risiko dan pengendalian internal Bank senantiasa The Bank’s risk management and internal control systems are always
selaras dengan visi, misi, tujuan, sasaran, dan strategi korporasi serta aligned with the corporate vision, mission, goals, objectives, and strategies
mematuhi peraturan perundang-undangan dan standar yang berlaku. as well as complying with applicable laws and regulations and standards.
REKOMENDASI 1.1.4: RECOMMENDATION 1.1.4:
Direksi memastikan integritas akuntansi dan sistem pelaporan keuangan The Board of Directors ensures the integrity of corporate accounting and
korporasi dan pengungkapan yang tepat waktu dan akurat atas semua financial reporting system and the timely and accurate disclosure of all
informasi material mengenai korporasi. material information on the corporation.
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STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Direksi memastikan bahwa setiap orang yang terlibat dalam persiapan dan The Board of Directors ensures that everyone involved in the preparation
pengungkapan informasi korporasi memiliki kemampuan dan latar belakang and disclosure of corporate information has adequate skills and background
yang memadai untuk menjalankan pekerjaannya. Direksi juga bertanggung to perform the work. The Board of Directors is also responsible for and
jawab atas dan melakukan publikasi Laporan Keuangan Triwulanan di situs publishes the Quarterly Financial Statements on the Bank’s website and
web Bank dan media massa sesuai peraturan yang berlaku. mass media in accordance with applicable regulations.
REKOMENDASI 1.1.5: RECOMMENDATION 1.1.5:
Direksi memastikan pelaporan keberlanjutan telah disusun sebagaimana The Board of Directors ensures that sustainability reporting has been
mestinya. prepared properly.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Direksi beserta jajaran manajemen telah memastikan Laporan The Board of Directors and the management have ensured that the
Keberlanjutan disusun berdasarkan kerangka pelaporan yang sesuai dengan Sustainability Report is prepared based on a reporting framework that
ukuran dan kompleksitas korporasi dan memenuhi standar nasional. is appropriate to the corporate size and complexity and meets national
standards.
REKOMENDASI 1.1.6: RECOMMENDATION 1.1.6:
Direksi membangun kerangka kerja untuk governansi teknologi informasi The Board of Directors builds a framework for corporate information
korporasi yang selaras dengan kebutuhan dan prioritas bisnis korporasi, technology governance that is aligned with corporate business needs and
mendorong peluang dan kinerja bisnis, memperkuat manajemen risiko, priorities, drives business opportunities and performance, strengthens risk
serta mendukung tujuan dan strategi korporasi. management, as well as supports corporate goals and strategies.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Strategi dan kerangka kerja governansi TI Bank dijelaskan dengan rinci pada The Bank’s IT governance strategy and framework are explained in detail
Laporan Tahunan ini. Direksi memastikan bahwa Bank memiliki kebijakan in this Annual Report. The Board of Directors ensures that the Bank has
alokasi sumber daya TI yang memadai dan optimal untuk mendukung adequate and optimal IT resource allocation policies to support the Bank’s
tujuan dan strategi Bank. goals and strategies.
REKOMENDASI 1.1.7: RECOMMENDATION 1.1.7:
Bagi korporasi yang menjalankan kegiatan usaha berdasarkan prinsip For corporations that conduct business activities based on sharia principles,
syariah, Direksi perlu memastikan kewenangan dan ketersediaan the Board of Directors needs to ensure the authority and availability of
perangkat pendukung yang memadai agar Dewan Pengawas Syariah dapat adequate supporting tools, allowing the Sharia Supervisory Board to carry
menjalankan perannya dengan efektif. out its role effectively.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Penjelasan Explanation
Di tahun 2023, Bank tidak memiliki dan menjalankan kegiatan usaha In 2023, the Bank did not have and conduct business activities based on
berdasarkan prinsip syariah. sharia principles.
REKOMENDASI 1.1.8: RECOMMENDATION 1.1.8:
Piagam Direksi secara periodik ditinjau. Piagam mencakup antara lain The Board of Directors' Charter is periodically reviewed. The Charter
pembagian peran Direktur secara individual dapat diatur di Piagam Direksi includes, among others, the division of roles for the Directors individually,
atau dengan surat keputusan Direksi. which can be regulated in the Board of Directors' Charter or by a decision
letter of the Board of Directors.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
BOD Charter ditelaah secara berkala dan telah diperbarui pada tanggal The BOD Charter is reviewed periodically and was updated on 6 December
6 Desember 2023 dan diunggah ke situs web Bank (www.victoriabank.co.id). 2023 and uploaded to the Bank’s website (www.victoriabank.co.id).
REKOMENDASI 1.1.9: RECOMMENDATION 1.1.9:
Direksi mempunyai kebijakan terkait pengunduran diri anggota Direksi The Board of Directors has a policy on resignation of members of the Board
apabila terlibat dalam kejahatan keuangan dan terbukti melakukan of Directors if involved in a financial crime and are proven to have made a
kesalahan. mistake.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Kebijakan terkait pengunduran diri anggota Direksi apabila terlibat dalam The policy related to the resignation of members of the Board of Directors
kejahatan keuangan dan terbukti melakukan kesalahan dituangkan dalam if involved in financial crimes and proven wrongdoing are outlined in the
BOD Charter. BOD Charter.
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Tata Kelola Perusahaan
Good Corporate Governance
Rekomendasi 1.2: Penilaian Kinerja - Direksi dan Anggotanya.
Recommendation 1.2: Performance Assessment - Board of Directors and its Members.
REKOMENDASI 1.2.1: RECOMMENDATION 1.2.1:
Dewan Komisaris melakukan evaluasi formal tahunan secara objektif dan The Board of Commissioners conducts an annual formal evaluation
independen untuk menentukan efektivitas Direksi dan setiap individu objectively and independently to determine the effectiveness of the Board
Direktur. of Directors and each individual Director.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Bank memiliki kebijakan penilaian terhadap kinerja Direksi yang terdiri dari The Bank has a policy to assess the Board of Directors’ performance,
penilaian kinerja dengan metode penilaian sendiri dan penilaian kinerja consisting of performance assessment with self-assessment method and
oleh Dewan Komisaris yang dilakukan minimum 1 (satu) kali dalam setahun. performance assessment by the Board of Commissioners, conducted at
Penjelasan lebih lengkap disampaikan pada pembahasan Penilaian Kinerja least 1 (one) time a year. A more detailed explanation is provided in the
Direksi dalam Laporan Tahunan ini. discussion on the Board of Directors’ Performance Assessment in this
Annual Report.
REKOMENDASI 1.2.2: RECOMMENDATION 1.2.2:
Dewan Komisaris dengan pertimbangan Komite Nominasi dan Remunerasi, The Board of Commissioners, with considerations from the Nomination
bertanggung jawab menentukan kriteria evaluasi kinerja dan menilai kinerja and Remuneration Committee, is responsible for determining performance
Direktur Utama dan anggota Direksi lainnya. evaluation criteria and assessing the performance of the President Director
and other members of the Board of Directors.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Kriteria penilaian kinerja Direksi oleh Dewan Komisaris telah The performance assessment criteria of the Board of Directors by the
mempertimbangkan usulan Komite Nominasi dan Remunerasi. Board of Commissioners have considered the recommendations of the
Nomination and Remuneration Committee.
Rekomendasi 1.3: Peran dan Tanggung Jawab Dewan Komisaris.
Recommendation 1.3: Roles and Responsibilities of the Board of Commissioners.
REKOMENDASI 1.3.1: RECOMMENDATION 1.3.1:
Dewan Komisaris mereviu strategi korporasi paling tidak setiap tahun dan The Board of Commissioners reviews the corporate strategy at least annually
menyetujui misi, visi dan strategi korporasi yang dirumuskan oleh Direksi. and approves the corporate mission, vision, and strategy formulated
Dewan Komisaris juga mereviu, memberikan saran dan menyetujui rencana by the Board of Directors. The Board of Commissioners also reviews,
bisnis dan rencana keuangan jangka panjang dan rencana keuangan jangka provides advice, and approves long-term business and financial plans and
pendek korporasi. Dewan Komisaris memberikan advis dan melakukan the company’s short-term financial plans. The Board of Commissioners
pemantauan kepada Direksi atas pengelolaan implementasinya. Direksi provides advice and monitors the Board of Directors on the management
dan Dewan Komisaris terlibat dalam keputusan yang sangat penting bagi of its implementation. The Board of Directors and Board of Commissioners
korporasi, diatur dalam Anggaran Dasar korporasi. are involved in decisions deemed crucial for the corporation, as regulated
in the Articles of Association of the Company.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Dewan Komisaris bersama Direksi setiap tahun melakukan kajian dan telaah The Board of Commissioners, together with the Board of Directors,
mengenai kesesuaian visi dan misi Bank terhadap strategi, kondisi Bank saat annually conducts studies and reviews on the suitability of the Bank’s
ini dan tantangan usaha yang akan dihadapi ke depan. Dewan Komisaris vision and mission to the strategy, the Bank’s current condition, and
juga menelaah, memberikan saran, dan menyetujui rencana bisnis dan business challenges to face in the future. The Board of Commissioners
rencana keuangan jangka panjang dan rencana keuangan jangka pendek also reviews, provides advice, approves business plans, long-term financial
Bank dan melakukan pemantauan atas pengelolaan implementasinya oleh plans, and short-term financial plans for the Bank, as well as oversees the
Direksi. management of their implementation by the Board of Directors.
REKOMENDASI 1.3.2: RECOMMENDATION 1.3.2:
Jenis keputusan yang memerlukan persetujuan Dewan Komisaris harus The types of decisions that require the Board of Commissioners’ approval
diungkapkan dalam Laporan Tahunan. must be disclosed in the Annual Report.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Keputusan-keputusan yang diambil oleh Dewan Komisaris telah Decisions taken by the Board of Commissioners have been presented in the
disampaikan pada pembahasan Dewan Komisaris di Laporan Tahunan ini. discussion of the Board of Commissioners in this Annual Report.
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REKOMENDASI 1.3.3: RECOMMENDATION 1.3.3:
Dengan memperhatikan rekomendasi Komite Nominasi dan Remunerasi, Taking into account the recommendations from the Nomination and
Dewan Komisaris mengusulkan kepada, dan untuk diputuskan oleh, RUPS Remuneration Committee, the Board of Commissioners proposes to, and to
pengangkatan dan/atau pemberhentian anggota Direksi dan anggota be resolved by, the GMS the appointment and/or dismissal of members of the
Dewan Komisaris. Dalam mengusulkan hal di atas, Dewan Komisaris Board of Directors and members of the Board of Commissioners. In proposing
memperhatikan keberagaman, unsur non-diskriminatif dan memberikan the above, the Board of Commissioners pays attention to the diversity, non-
kesempatan yang sama tanpa membedakan suku, agama, ras, antar discriminatory elements, and provides equal opportunities regardless of
golongan dan gender. Dewan Komisaris memastikan proses pencalonan ethnicity, religion, race, class, and gender. The Board of Commissioners ensures
dan pemilihan anggota Direksi dan anggota Dewan Komisaris adalah formal a formal and transparent nomination and selection process for members of the
dan transparan. Board of Directors and members of the Board of Commissioners.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Sebagaimana diatur dalam Kebijakan Nominasi Bank No. 003/SK-KOM/09/18 As stipulated in the Bank’s Nomination Policy No. 003/SK-KOM/09/18
tanggal 20 September 2018, Dewan Komisaris berperan aktif dalam dated 20 September 2018, the Board of Commissioners plays an active
proses pengangkatan dan/atau pemberhentian anggota Dewan Komisaris role in the process of appointing and/or dismissing members of the Board
dan Direksi. Dalam proses nominasi, Dewan Komisaris memperhatikan of Commissioners and Board of Directors. In the nomination process, the
rekomendasi Komite Nominasi dan Remunerasi; keberagaman dengan Board of Commissioners takes into account the recommendations of the
memberikan kesempatan yang sama tanpa membedakan suku, agama, ras, Nomination and Remuneration Committee; diversity by providing equal
antar golongan dan gender; serta dilakukan dengan formal dan transparan. opportunities regardless of ethnicity, religion, race, class, and gender; and
carries out the nomination in a formal and transparent manner.
REKOMENDASI 1.3.4: RECOMMENDATION 1.3.4:
Dewan Komisaris atau Komite yang menjalankan fungsi nominasi menyusun The Board of Commissioners or the Committee conducting the nomination
kebijakan suksesi dalam proses nominasi anggota Direksi. Setiap tahun function prepares a succession policy in the process of nominating
Dewan Komisaris meninjau pelaporan pelaksanaan rencana pengembangan members of the Board of Directors. Every year, the Board of Commissioners
dan suksesi yang disampaikan Direktur Utama. reviews the report on implementation of development and succession plans
submitted by the President Director.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Dalam rangka mempersiapkan regenerasi kepemimpinan, Bank memiliki In order to prepare for leadership regeneration, the Bank has established
dan menjalankan kebijakan suksesi Direksi yang merupakan bagian dari and implements a succession policy for the Board of Directors, which is part
Pedoman Kerja Komite Nominasi dan Remunerasi dan telah disampaikan of the Nomination and Remuneration Committee Charter and has been
dalam Laporan Tahunan. presented in the Annual Report.
REKOMENDASI 1.3.5: RECOMMENDATION 1.3.5:
Dewan Komisaris: The Board of Commissioners:
1. Mengajukan kepada RUPS, yang dapat didahului oleh usulan dari 1. Submits to the GMS, which may be preceded by recommendation from
komite yang menjalankan fungsi remunerasi, besaran remunerasi the committee conducting remuneration function, the remuneration
anggota Direksi dan anggota Dewan Komisaris yang selaras dengan amount for members of the Board of Directors and members of the Board
pengembangan korporasi yang berkelanjutan dan kepentingan jangka of Commissioners, in line with the sustainable corporate development
panjang korporasi dan Pemegang Saham; serta and long-term interests of the corporation and Shareholders; and
2. Secara berkala mereviu sistem remunerasi Direksi dan Dewan Komisaris. 2. Periodically reviews the remuneration system for the Board of Directors
and Board of Commissioners.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Komite Nominasi dan Remunerasi melakukan pembahasan atas remunerasi The Nomination and Remuneration Committee discusses the remuneration
Dewan Komisaris dan Direksi dengan mempertimbangkan skala uaha, for the Board of Commissioners and Board of Directors by considering
kompleksitas usaha, peer group, tingkat inflasi, kondisi dan kemampuan the business scale, business complexity, peer group, inflation rate, the
keuangan Bank, dan tidak bertentangan dengan peraturan perundang- Bank’s financial condition and capability, and not having any conflict with
undangan yang berlaku. Dewan Komisaris akan mempelajari rekomendasi applicable laws and regulations. The Board of Commissioners will study
dari Komite Nominasi dan Remunerasi dan mengusulkan remunerasi the recommendations from the Nomination and Remuneration Committee
tersebut kepada RUPS. Selain itu, sistem remunerasi Dewan Komisaris dan and propose the remuneration to the GMS. In addition, the remuneration
Direksi ditelaah secara berkala sesuai perkembangan aktivitas Bank dan system of the Board of Commissioners and Board of Directors is reviewed
ketentuan yang berlaku. periodically in accordance with the development of the Bank’s activities
and applicable regulations.
REKOMENDASI 1.3.6: RECOMMENDATION 1.3.6:
Dewan Komisaris mengawasi efektivitas kebijakan governansi korporat dan The Board of Commissioners oversees the effectiveness of corporate
implementasinya serta mengusulkan perubahan jika diperlukan. governance policies and their implementation and proposes changes if
necessary.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Dewan Komisaris baik secara langsung atau melalui komite-komite The Board of Commissioners, either directly or through committees,
senantiasa mengawasi dan mengarahkan kebijakan dan efektivitas penerapan always supervises and directs the policies and effectiveness of governance
tata kelola serta memberikan masukan dan perbaikan jika diperlukan. implementation and provides input and improvements if necessary.
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Tata Kelola Perusahaan
Good Corporate Governance
REKOMENDASI 1.3.7: RECOMMENDATION 1.3.7:
Dewan Komisaris memantau dan mengarahkan agar korporasi menerapkan The Board of Commissioners monitors and directs the corporation to
manajemen risiko dan sistem pengendalian internal yang tepat dan efektif implement appropriate and effective risk management and internal
yang selaras dengan tujuan, sasaran, dan strategi korporasi serta mematuhi control systems that are aligned with the corporate goals, objectives, and
peraturan perundang-undangan, kode perilaku, dan standar yang berlaku. strategies, as well as complying with applicable laws and regulations, codes
of conduct, and standards.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Dewan Komisaris baik secara langsung atau melalui komite-komite The Board of Commissioners, either directly or through committees, always
senantiasa mengawasi dan mengarahkan kebijakan dan efektivitas supervises and directs the policies and effectiveness of risk management
manajemen risiko dan SPI yang dilakukan oleh manajemen. and internal control systems carried out by management.
REKOMENDASI 1.3.8: RECOMMENDATION 1.3.8:
Dewan Komisaris mengawasi dan mengarahkan agar tercapai integritas The Board of Commissioners supervises and directs the integrity of the
akuntansi dan sistem pelaporan keuangan korporat, serta independensi corporate accounting and financial reporting system, as well as the
fungsi audit internal dan eksternal. independence of internal and external audit functions.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Dewan Komisaris senantiasa memastikan integritas akuntansi dan sistem The Board of Commissioners always ensures the integrity of the accounting
pelaporan keuangan serta independensi fungsi audit internal dan eksternal and financial reporting systems as well as the independence of internal and
yang tercermin melalui pembahasan Komite Audit dan SKAI & Anti Fraud external audit functions, which are reflected through the discussions on
di Laporan Tahunan ini. Audit Committee and SKAI & Anti-Fraud in this Annual Report.
REKOMENDASI 1.3.9: RECOMMENDATION 1.3.9:
Dewan Komisaris memantau, mereviu, dan menyetujui Laporan Tahunan The Board of Commissioners monitors, reviews, and approves the Annual
dan Laporan Keberlanjutan korporasi serta memastikan integritasnya, serta Report and Sustainability Report of the corporation, ensures their integrity,
mengawasi proses pengungkapan dan pengkomunikasian korporasi. and oversees the corporation's disclosure and communication process.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Penyusunan Laporan Tahunan dan Laporan Keberlanjutan dipantau dan The preparation of the Annual Report and Sustainability Report is
disetujui oleh Dewan Komisaris. monitored and approved by the Board of Commissioners.
REKOMENDASI 1.3.10: RECOMMENDATION 1.3.10:
Piagam Dewan Komisaris secara periodik ditinjau. The Board of Commissioners Charter is periodically reviewed.
STATUS DAN PENERAPAN: STATUS AND IMPLEMENTATION:
Terpenuhi Complied
BOC Charter dikaji secara berkala dan telah diperbarui pada tanggal The BOC Charter is periodically reviewed, was lastly updated on
10 Maret 2023 serta diunggah ke situs web Bank (www.victoriabank.co.id). 10 March 2023, and is already uploaded to the Bank’s website
(www.victoriabank.co.id).
REKOMENDASI 1.3.11: RECOMMENDATION 1.3.11:
Dewan Komisaris mempunyai kebijakan terkait pengunduran diri anggota The Board of Commissioners has a policy on resignation of members of the
Dewan Komisaris apabila terlibat dalam kejahatan keuangan dan terbukti Board of Commissioners if involved in a financial crime and are proven to
melakukan kesalahan. have made a mistake.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Kebijakan terkait pengunduran diri anggota Dewan Komisaris apabila The policy related to the resignation of members of the Board of
terlibat dalam kejahatan keuangan dan terbukti melakukan kesalahan Commissioners if involved in financial crimes and proven wrongdoing are
dituangkan dalam BOC Charter terkait Keanggotaan Dewan Komisaris. outlined in the BOC Charter related to the Membership of the Board of
Commissioners.
REKOMENDASI 1.3.12: RECOMMENDATION 1.3.12:
Komisaris independen sangat diharapkan untuk dapat berkontribusi Independent commissioners are highly expected to be able to contribute
dalam diskusi yang jujur, objektif, aktif, dan konstruktif pada rapat Dewan to honest, objective, active, and constructive discussions at the Board of
Komisaris. Commissioners’ meetings.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Seluruh Komisaris Independen Bank memiliki rekam jejak yang kredibel dan All of the Bank’s Independent Commissioners have credible track records
dapat berkontribusi dalam kemajuan Bank. and can contribute to the Bank’s progress.
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REKOMENDASI 1.3.13: RECOMMENDATION 1.3.13:
Komisaris Utama berperan sebagai koordinator Dewan Komisaris dan The President Commissioner acts as the coordinator of the Board of
memastikan efektivitasnya. Komisaris Utama mendorong budaya Commissioners and ensures its effectiveness. The President Commissioner
keterbukaan dan dialog konstruktif yang memungkinkan berbagai pandangan promotes a culture of transparency and constructive dialogue that allows
diungkapkan, termasuk mengoordinasi penetapan agenda rapat dewan yang a variety of views to be expressed, including coordinating the setting of
tepat dan memastikan waktu yang cukup tersedia untuk mendiskusikan appropriate board meeting agenda and ensuring sufficient time is available
semua agenda. Selain itu, juga harus ada kesempatan bagi Dewan Komisaris to discuss all agenda items. In addition, there should be opportunities for
untuk bertemu dengan jajaran Direksi dan Manajemen Senior. the Board of Commissioners to meet with the Board of Directors and Senior
Management.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Komisaris Utama Independen Bank memiliki tugas dan tanggung jawab The Bank’s Independent President Commissioner has duties and
di antaranya mengoordinasikan pelaksanaan tugas dan memberikan responsibilities including coordinating the implementation of duties,
pengarahan kepada anggota Dewan Komisaris serta memberikan usulan providing directions to the Board of Commissioners’ members, and
untuk mengadakan rapat. Selain itu, rapat gabungan Dewan Komisaris dan providing suggestions to conduct meetings. In addition, joint meetings of
Direksi dilaksanakan secara berkala. the Board of Commissioners and Board of Directors are held regularly.
Rekomendasi 1.4: Pembentukan Komite.
Recommendation 1.4: Establishment of a Committee.
REKOMENDASI 1.4.1: RECOMMENDATION 1.4.1:
Korporasi memiliki komite-komite di bawah Dewan Komisaris sekurang- The Corporation has committees under the Board of Commissioners,
kurangnya terdiri dari: Komite Audit, Komite Nominasi dan Remunerasi, dan consisting of at least: Audit Committee, Nomination and Remuneration
Komite Pemantau Manajemen Risiko. Committee, and Risk Management Monitoring Committee.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Komite-komite di tingkat Dewan Komisaris terdiri dari Komite Pemantau Committees under the Board of Commissioners consist of the Risk
Risiko, Komite Nominasi dan Remunerasi, serta Komite Audit. Monitoring Committee, Nomination and Remuneration Committee, and
Audit Committee.
REKOMENDASI 1.4.2: RECOMMENDATION 1.4.2:
Dewan Komisaris memastikan bahwa anggota Komite Audit seluruhnya The Board of Commissioners ensures that all Audit Committee’s members
independen dan komite lain yang dibentuk Dewan Komisaris adalah are independent, and majority of members of other committees established
mayoritas dari pihak independen, serta semua anggota komite memiliki by the Board of Commissioners are independent parties, and that all
kompetensi, berkomitmen, serta memiliki wewenang yang memadai untuk committee members are competent, committed, and have sufficient
menjalankan perannya secara efektif dan independen. authority to perform their roles in an effective and independent manner.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Anggota Komite Audit Bank seluruhnya merupakan Komisaris Independen All members of the Bank’s Audit Committee are Independent Commissioners
dan pihak independen. Komposisi anggota komite lainnya juga mayoritas and independent parties. The majority of other committees’ members
merupakan Komisaris Independen dan pihak independen. Hal ini are also Independent Commissioners and independent parties. This is
disampaikan lebih detail dalam pembahasan Komite Audit dan komite presented in more detail in the discussion of Audit Committee and other
lainnya masing-masing secara terpisah pada Laporan Tahunan ini. committees, each separately in this Annual Report.
REKOMENDASI 1.4.3: RECOMMENDATION 1.4.3:
Untuk memastikan pemantauan atas pelaksanaan tugas Komite Audit To ensure objective and independent monitoring on the implementation
berjalan objektif dan independen, Komisaris Utama tidak boleh menjadi of Audit Committee's duties, the President Commissioner is not allowed to
ketua Komite Audit, kecuali dalam keadaan luar biasa yang harus dijelaskan be the chairman of Audit Committee, except in exceptional circumstances
dalam Laporan Tahunan. which must be explained in the Annual Report.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Penjelasan Explanation
Ketua Komite Audit dijabat oleh Zaenal Abidin, Ph.D yang merupakan The Chairman of Audit Committee is held by Zaenal Abidin, Ph.D,
Komisaris Utama. Meski demikian, Zaenal Abidin, Ph.D merupakan the President Commissioner. Nevertheless, Zaenal Abidin, Ph.D, is an
Komisaris Utama Independen dan Bank menjamin independensinya dalam Independent President Commissioner and the Bank guarantees his
melaksanakan tugas dan tanggung jawabnya sebagai Ketua Komite Audit. independence in performing his duties and responsibilities as the Chairman
of Audit Committee.
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Tata Kelola Perusahaan
Good Corporate Governance
Rekomendasi 1.5: Penilaian Kinerja – Dewan Komisaris dan Anggotanya.
Recommendation 1.5: Performance Assessment – Board of Commissioners and its Members.
REKOMENDASI 1.5.1: RECOMMENDATION 1.5.1:
Dewan Komisaris melakukan evaluasi formal tahunan secara objektif untuk The Board of Commissioners conducts an annual formal evaluation
menentukan efektivitas Dewan, komitenya, dan setiap individu Komisaris. objectively to determine the effectiveness of the Board, its committees,
and each individual Commissioner.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Pelaksanaan penilaian kinerja Dewan Komisaris dan komitenya dilakukan The performance assessment of the Board of Commissioners and its
setiap tahun (minimum setahun sekali). Penilaian kinerja Dewan Komisaris committees is carried out every year (at least once a year). The performance
dan komitenya menggunakan beberapa kriteria sebagaimana yang tertuang assessment of the Board of Commissioners and its committees uses several
dalam Laporan Tahunan ini. criteria as stated in this Annual Report.
Rekomendasi 1.6: Benturan Kepentingan.
Recommendation 1.6: Conflict of Interest.
REKOMENDASI 1.6.1: RECOMMENDATION 1.6.1:
Anggota Direksi yang mempunyai rangkap jabatan di luar korporasi, harus Members of the Board of Directors with concurrent positions outside the
mendapatkan persetujuan dari Dewan Komisaris. Seorang Komisaris corporation must obtain approval from the Board of Commissioners. A
memberi tahu Dewan Komisaris dan ketua komite yang menjalankan fungsi Commissioner shall notify the Board of Commissioners and the chairman
nominasi, sebelum menerima penunjukan baru sebagai Direktur atau of committee performing nominating function, prior to accepting a new
Komisaris dari korporasi terbuka, jabatan Direktur lainnya atau posisi lain appointment as Director or Commissioner of a publicly listed corporation,
dengan komitmen waktu yang signifikan. other Director positions, or other positions with a significant time
commitment.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Tidak ada anggota Direksi Bank yang mempunyai rangkap jabatan di luar There are no members of the Bank’s Board of Directors with concurrent
Bank Victoria. Anggota Dewan Komisaris yang menerima penunjukan dari positions outside Bank Victoria. Members of the Board of Commissioners
perusahaan terbuka lain wajib menyampaikan informasi tersebut kepada who receive appointments from other public companies must convey this
Dewan Komisaris dan/atau Komite Nominasi dan Remunerasi. information to the Board of Commissioners and/or the Nomination and
Remuneration Committee.
REKOMENDASI 1.6.2: RECOMMENDATION 1.6.2:
Dewan Komisaris memantau dan mengelola potensi benturan kepentingan The Board of Commissioners monitors and manages potential conflicts of
manajemen, anggota Direksi, Dewan Komisaris dan Pemegang Saham, interest within the management, members of the Board of Directors, Board
termasuk penyalahgunaan aset korporasi dan penyalahgunaan dalam of Commissioners, and Shareholders, including misuse of corporate assets
transaksi pihak berelasi. Komisaris yang memiliki benturan kepentingan and misuse of related party transactions. Commissioners with conflicts of
tidak turut serta dalam pemantauan dan pengambilan keputusan atas interest shall not participate in monitoring and making decisions on matters
potensi benturan kepentingan yang melibatkan Komisaris atau afiliasi containing potential conflicts of interest involving the Commissioners or
Komisaris yang bersangkutan. affiliates of the Commissioner concerned.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Dewan Komisaris telah memantau dan mengelola potensi benturan The Board of Commissioners has monitored and managed potential
kepentingan Bank. Dalam pelaksanaan tugas dan tanggung jawabnya, seluruh conflicts of interest within the Bank. In performing their duties and
anggota Dewan Komisaris berkomitmen untuk menghindari terjadinya potensi responsibilities, all members of the Board of Commissioners are committed
benturan kepentingan atau selalu menempatkan diri untuk tidak berada dalam to avoiding potential conflicts of interest or always position themselves not
potensi terjadinya benturan kepentingan dalam situasi apapun sebagaimana to be involved in any situation containing potential conflicts of interest as
tercantum dalam BOC Charter. Dalam hal terjadi benturan kepentingan, stated in the BOC Charter. In the event of a conflict of interest, members
anggota Dewan Komisaris dilarang mengambil tindakan yang dapat merugikan of the Board of Commissioners are prohibited from taking actions that may
atau mengurangi keuntungan Bank dan wajib mengungkapkan potensi harm or reduce the Bank’s profits and must disclose the potential conflict
benturan kepentingan dimaksud dalam setiap keputusan. of interest referred to in every decision.
Rekomendasi 1.7: Peningkatan Kompetensi Anggota Direksi dan Dewan Komisaris.
Recommendation 1.7: Competency Improvement of Members of the Board of Directors and Board of Commissioners.
REKOMENDASI 1.7.1: RECOMMENDATION 1.7.1:
Dewan Komisaris memastikan bahwa anggota Direksi dan Dewan The Board of Commissioners ensures that members of the Board of Directors
Komisaris memahami peran dan tanggung jawab mereka, karakteristik and Board of Commissioners understand their roles and responsibilities,
dan operasi korporasi, peraturan perundang-undangan dan standar yang characteristics and operations of the corporation, relevant laws and
relevan serta kewajiban lain yang berlaku. Direksi melalui Sekretaris regulations, and other applicable standards and obligations. The Board of
Korporasi mendukung semua anggota Direksi dan Dewan Komisaris dalam Directors, through the Corporate Secretary, supports all members of the
memperbarui dan menyegarkan keterampilan dan pengetahuan mereka Board of Directors and Board of Commissioners in updating and refreshing
yang diperlukan untuk menjalankan peran mereka di Dewan. the required skills and knowledge to perform their roles on the Board.
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STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Dewan Komisaris dan Direksi telah mengikuti pendidikan dan pelatihan dengan The Board of Commissioners and Board of Directors have attended education
tujuan untuk meningkatkan kemampuan strategis, menambah pengetahuan and training programs with the aim of enhancing strategic capabilities,
bisnis, meningkatkan kepemimpinan, mengembangkan keterampilan baru, adding business knowledge, enhancing leadership, developing new skills, and
serta meningkatkan dan menjaga kualitas layanan perbankan yang dimiliki. improving as well as maintaining the quality of banking services. Details of
Adapun rincian pendidikan dan pelatihan yang diikuti Dewan Komisaris dan education and training programs attended by the Board of Commissioners
Direksi telah tertuang dalam Laporan Tahunan ini. and Board of Directors are presented in this Annual Report.
Prinsip 2: Komposisi dan Remunerasi Direksi dan Dewan Komisaris
Principle 2: Composition and Remuneration of the Board of Directors and Board of Commissioners
Rekomendasi 2.1: Komposisi Direksi dan Dewan Komisaris.
Recommendation 2.1: Composition of the Board of Directors and Board of Commissioners.
REKOMENDASI 2.1.1: RECOMMENDATION 2.1.1:
Dalam menentukan kandidat calon Direktur, Dewan Komisaris melalui In determining Director candidates, the Board of Commissioners, through
Komite Nominasi dan Remunerasi tidak hanya mengandalkan rekomendasi the Nomination and Remuneration Committee, does not rely solely on
dari Dewan Komisaris, manajemen atau Pemegang Saham mayoritas. Dewan recommendations from the Board of Commissioners, management,
Komisaris melalui Komite Nominasi dan Remunerasi dapat menggunakan or majority shareholders. The Board of Commissioners, through the
sumber independen untuk menentukan kandidat yang memenuhi syarat. Nomination and Remuneration Committee, may use independent sources
to determine qualified candidates.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Penjelasan Complied
Saat ini, Bank belum menggunakan jasa pihak ketiga yang independen dalam Currently, the Bank has not used the services of an independent third
proses seleksi kandidat Dewan Komisaris. Meskipun demikian, Bank senantiasa party in the selection process of Board of Commissioners candidates.
memastikan penentuan kandidat calon Dewan Komisaris dan Direksi sesuai Nevertheless, the Bank always ensures that the selection of candidates for
dengan aturan yang berlaku dan kualifikasi yang dibutuhkan oleh Bank. the Board of Commissioners and Board of Directors is in accordance with
applicable regulations and the qualifications required by the Bank.
REKOMENDASI 2.1.2: RECOMMENDATION 2.1.2:
Dewan Komisaris memastikan bahwa kriteria dalam menyeleksi anggota The Board of Commissioners ensures that the criteria for selecting members
Direksi mencakup paling tidak pengetahuan, kemampuan, dan keahlian of the Board of Directors include at least the required knowledge, abilities,
yang dibutuhkan untuk memenuhi secara tepat peran Direksi serta and expertise to properly meet the role of the Board of Directors and pay
memperhatikan terpenuhinya keberagaman Direksi. attention to the fulfillment of the Board of Directors’ diversity.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Dewan Komisaris melalui Komite Nominasi dan Remunerasi memastikan The Board of Commissioners, through the Nomination and Remuneration
minimum kriteria yang harus dimiliki oleh calon anggota Dewan Komisaris Committee, ensures the minimum criteria that must be possessed by
dan Direksi Bank baik dari sisi integritas, kompetensi, reputasi, independensi, candidates of the Bank’s Board of Commissioners and Board of Directors in
atau kriteria khusus lainnya sesuai bidang Direktur. terms of integrity, competence, reputation, independence, or other special
criteria according to the respective field of each Director.
REKOMENDASI 2.1.3: RECOMMENDATION 2.1.3:
Kebijakan korporasi tentang keberagaman pada, Direksi dan Dewan The corporate policy on diversity in the Board of Directors and Board of
Komisaris diungkapkan dalam Laporan Tahunan. Commissioners is disclosed in the Annual Report.
STATUS DAN PENERAPAN: STATUS AND IMPLEMENTATION:
Terpenuhi Complied
Kebijakan keberagaman komposisi Dewan Komisaris dan Direksi telah The diversity policy of the composition of the Board of Commissioners and
diungkapkan pada Laporan Tahunan ini. Board of Directors has been disclosed in this Annual Report.
REKOMENDASI 2.1.4: RECOMMENDATION 2.1.4:
Dewan Komisaris memastikan bahwa kebijakan dan prosedur untuk The Board of Commissioners ensures that the policies and procedures for
seleksi dan nominasi Komisaris adalah jelas dan transparan sehingga the selection and nomination of Commissioners are clear and transparent so
dapat menghasilkan komposisi Dewan yang diinginkan. Dewan Komisaris as to produce the desired Board composition. The Board of Commissioners
menggunakan sumber independen untuk menentukan kandidat yang uses independent sources to determine qualified candidates.
memenuhi syarat.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Dewan Komisaris dan Komite Nominasi dan Remunerasi telah melakukan fungsi The Board of Commissioners and the Nomination and Remuneration
dan tanggung jawabnya dalam memastikan proses nominasi dan remunerasi di Committee have performed their functions and responsibilities in ensuring
Bank berjalan dengan benar dan transparan demi kepentingan Bank. that the nomination and remuneration process at the Bank runs properly
and transparently in the interests of the Bank.
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REKOMENDASI 2.1.5: RECOMMENDATION 2.1.5:
Dewan Komisaris/Komite yang menjalankan fungsi nominasi menetapkan The Board of Commissioners/Committee that performs the nomination
prosedur dan kriteria nominasi yang konsisten dengan matriks keahlian function establishes nomination procedures and criteria, which are
Dewan Komisaris yang telah disetujui Dewan Komisaris dan memastikan consistent with the Board of Commissioners' expertise matrix, which has
bahwa profil kandidat memenuhi persyaratan yang ditetapkan dalam been approved by the Board of Commissioners, and ensures that the
matriks keahlian dan kriteria nominasi. candidate profile meets the established requirements in the expertise
matrix and nomination criteria.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Komite Nominasi dan Remunerasi menjalankan fungsi nominasi berdasarkan The Nomination and Remuneration Committee carries out the nomination
prosedur dan kriteria nominasi yang tertuang dalam Kebijakan Nominasi function based on the nomination procedures and criteria set out in the
No. 003/SK-KOM/09/18 tanggal 20 September 2018 dan disetujui oleh Nomination Policy No. 003/SK-KOM/09/18 dated 20 September 2018 and
Dewan Komisaris. approved by the Board of Commissioners.
REKOMENDASI 2.1.6: RECOMMENDATION 2.1.6:
Komposisi Dewan Komisaris harus dibentuk sedemikian rupa sehingga The Board of Commissioners’ composition must be formed in such a way
anggota-anggotanya secara kelompok mencerminkan keberagaman dalam that its members as a group reflect the diversity in terms of abilities, skills,
hal kemampuan, keahlian, pengetahuan, pengalaman, usia, latar belakang knowledge, experience, age, cultural background, and gender required to
budaya, dan gender yang dibutuhkan untuk memenuhi secara tepat peran properly fulfill the roles of the Board of Commissioners.
Dewan Komisaris.
STATUS DAN PENERAPAN: STATUS AND IMPLEMENTATION:
Terpenuhi Complied
Komposisi anggota Dewan Komisaris telah memperhatikan keberagaman The composition of the Board of Commissioners has taken into account the
keahlian, pengetahuan dan pengalaman yang dibutuhkan oleh Bank. diversity of expertise, knowledge and experience required by the Bank.
REKOMENDASI 2.1.7: RECOMMENDATION 2.1.7:
Untuk memampukan Dewan Komisaris dalam memberikan advis dan To enable the Board of Commissioners to provide independent advice and
supervisi secara independen kepada Direksi dan untuk peran-peran yang supervision to the Board of Directors and for roles with potential conflicts
terdapat potensi benturan kepentingan, Dewan Komisaris terdiri dari of interest, the Board of Commissioners shall consist of a sufficient number
Komisaris Independen yang cukup jumlahnya, dengan masa jabatan yang of Independent Commissioners, with a limited term of office and disclosure
dibatasi dan terdapat pengungkapan jangka waktu keanggotaan Dewan of the term of office of the Board of Commissioners and their independence
Komisaris serta independensi mereka dari sudut pandang korporasi. from a corporate perspective.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Pelaksanaan tugas Dewan Komisaris termasuk komposisi, masa jabatan, The implementation of the Board of Commissioners’ duties, including
independensi, kehadiran rapat dan pelatihan di sepanjang tahun composition, term of office, independence, meeting attendance, and
disampaikan secara detail pada Laporan Tahunan ini. training throughout the year is presented in detail in this Annual Report.
REKOMENDASI 2.1.8: RECOMMENDATION 2.1.8:
Untuk memfasilitasi fungsi Direksi dan Dewan Komisaris yang efektif dan To facilitate effective function of the Board of Directors and Board of
guna meningkatkan kepercayaan investor dan pemangku kepentingan, Commissioners and to increase investors and stakeholders trust, the
Komite Nominasi dan Remunerasi memastikan bahwa terdapat proses yang Nomination and Remuneration Committee ensures that there is a formal,
formal, ketat, dan transparan untuk penunjukan dan pengangkatan anggota rigorous, and transparent process for the selection and appointment of
Direksi dan Dewan Komisaris. members of the Board of Directors and Board of Commissioners.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Komite Nominasi dan Remunerasi juga telah melakukan fungsi dan The Nomination and Remuneration Committee has also performed
tanggung jawabnya dalam memastikan proses nominasi dan remunerasi di its functions and responsibilities in ensuring that the nomination and
Bank berjalan dengan benar dan transparan demi kepentingan Bank. Hal ini remuneration process at the Bank runs properly and transparently in the
bisa dilihat pada pembahasan di Laporan Tahunan ini. interests of the Bank. This matter can be seen in the discussion in this
Annual Report.
Rekomendasi 2.2: Remunerasi Direksi dan Dewan Komisaris.
Recommendation 2.2: Remuneration of the Board of Directors and Board of Commissioners.
REKOMENDASI 2.2.1: RECOMMENDATION 2.2.1:
Kebijakan remunerasi anggota Direksi terdiri atas struktur remunerasi The remuneration policy for the Board of Directors’ members consists of
yang berorientasi pada pengembangan korporasi yang berkelanjutan dan a remuneration structure that is oriented towards sustainable corporate
mendorong pencapaian tujuan jangka panjang. Remunerasi Direksi harus development and encourages the achievement of long-term goals. The
diusulkan, dapat dengan melalui Komite Nominasi dan Remunerasi, oleh Board of Directors' remuneration must be proposed, possibly through the
Dewan Komisaris untuk diputuskan oleh RUPS. Jumlah remunerasi yang Nomination and Remuneration Committee, by the Board of Commissioners
diusulkan kepada RUPS tersebut ditetapkan dengan mempertimbangkan to be resolved by the GMS. The remuneration amount proposed to the
peran setiap anggota Direksi dan situasi ekonomi serta kinerja korporasi. GMS is determined by considering the role of each member of the Board of
Directors, the economic situation, and the corporate performance.
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STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Bank memiliki dan menjalankan kebijakan remunerasi berbasiskan risiko sesuai The Bank has and implements a risk-based remuneration policy in accordance
Keputusan Dewan Komisaris No. 003/SK-KOM/09/18 tanggal 20 September with the Decision of the Board of Commissioners No. 003/SK-KOM/09/18
2018. Kebijakan remunerasi Bank disusun dengan mengedepankan sistem dated 20 September 2018. The Bank’s remuneration policy is prepared by
remunerasi yang kompetitif, adil dan seimbang, berdasarkan peraturan prioritizing a competitive, fair and balanced remuneration system, based on
perundang-undangan yang berlaku dan dikaji ulang secara berkala. applicable laws and regulations and is reviewed periodically.
REKOMENDASI 2.2.2: RECOMMENDATION 2.2.2:
Kebijakan remunerasi anggota Dewan Komisaris terdiri atas struktur The remuneration policy for the Board of Commissioners’ members consists
remunerasi yang berorientasi pada pengembangan korporasi yang of a remuneration structure that is oriented towards sustainable corporate
berkelanjutan dan mendorong pencapaian tujuan jangka panjang. Jumlah development and encourages the achievement of long-term goals. The
remunerasi yang diusulkan Dewan Komisaris kepada RUPS tersebut remuneration amount proposed by the Board of Commissioners to the
ditetapkan dengan mempertimbangkan peran setiap anggota Dewan GMS is determined by considering the role of each member of the Board of
Komisaris dan situasi ekonomi serta kinerja korporasi. Di samping itu juga Commissioners, the economic situation, and the corporate performance. In
harus dipertimbangkan posisinya sebagai Komisaris Utama dan ketua serta addition, it must also consider his/her position as President Commissioner
keanggotaannya dalam komite-komite. and chairman as well as membership in committees.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Bank menyusun struktur, kebijakan, dan besaran remunerasi masing-masing The Bank prepares the structure, policies, and remuneration amount for each
anggota Dewan Komisaris dengan memperhatikan tugas, wewenang, kinerja, member of the Board of Commissioners by considering duties, authorities,
dan tanggung jawab Dewan Komisaris. Bank juga memperhatikan remunerasi performance, and responsibilities of the Board of Commissioners. The Bank
yang berlaku di industri sejenis (peers group) dan kemampuan Bank. also pays attention to the remuneration that applies in similar industries
(peer groups) as well as the Bank’s capabilities.
REKOMENDASI 2.2.3: RECOMMENDATION 2.2.3:
Untuk memastikan bahwa paket remunerasi ditentukan berdasarkan To ensure that the remuneration package is determined based on the
prestasi, kualifikasi, dan kompetensi Direktur dan Komisaris dengan achievements, qualifications, and competencies of the Directors and
memperhatikan kinerja operasi korporasi, kinerja individu dan kondisi pasar, Commissioners by considering the corporate operational performance,
Komite Nominasi dan Remunerasi memastikan bahwa terdapat prosedur individual performance, and market conditions, the Nomination and
yang adil dan transparan untuk menetapkan kebijakan remunerasi anggota Remuneration Committee ensures that there are fair and transparent
Direksi dan Dewan Komisaris. procedures for establishing remuneration policies for members of the Board
of Directors and Board of Commissioners.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Komite Nominasi dan Remunerasi melakukan pembahasan atas remunerasi The Nomination and Remuneration Committee discusses the remuneration
Dewan Komisaris dengan mempertimbangkan skala usaha, kompleksitas for the Board of Commissioners by considering the business scale, business
usaha, peer group, tingkat inflasi, kondisi dan kemampuan keuangan Bank, complexity, peer group, inflation rate, financial condition and capability
dan sesuai dengan peraturan yang berlaku. Selanjutnya, remunerasi Dewan of the Bank, and in accordance with applicable regulations. Furthermore,
Komisaris dan Direksi ditetapkan oleh RUPS. the remuneration for the Board of Commissioners and Board of Directors is
determined by the GMS.
Prinsip 3: Hubungan Kerja antara Direksi dan Dewan Komisaris
Principle 3: Working Relationship between the Board of Directors and Board of Commissioners
Rekomendasi 3.1: Sifat Hubungan Kerja.
Recommendation 3.1: Nature of Working Relationship.
REKOMENDASI 3.1.1: RECOMMENDATION 3.1.1:
Terdapat diskusi yang terbuka antara Direksi dengan Dewan Komisaris serta There are open discussions between the Board of Directors and the Board
di antara para anggota Direksi dan para anggota Dewan Komisaris. Namun, of Commissioners as well as among members of the Board of Directors and
tetap penting menjaga kerahasiaan informasi agar tidak terjadi kebocoran members of the Board of Commissioners. However, it remains important to
informasi rahasia. maintain the confidentiality of information to avoid leakage of confidential
information.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Diskusi Dewan Komisaris dan Direksi dapat dilakukan melalui rapat Dewan Discussion between the Board of Commissioners and the Board of Directors
Komisaris bersama dengan Direksi. can be conducted through a joint Board of Commissioners meeting with
the Board of Directors.
REKOMENDASI 3.1.2: RECOMMENDATION 3.1.2:
Sesuai dengan tugas dan perannya masing-masing, Direksi bekerja sama In accordance with their respective duties and roles, members of the
dengan Dewan Komisaris dalam merumuskan misi, visi dan strategi Board of Directors cooperate with those of the Board of Commissioners
korporasi dan secara reguler membahas pengimplementasiannya. in formulating corporate missions, visions, and strategies, and regularly
discuss their implementation.
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Tata Kelola Perusahaan
Good Corporate Governance
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Setiap tahun, strategi dan kebijakan Bank dalam jangka pendek dan Every year, the Bank’s strategy and policies in the short and medium-term
menengah disusun dalam bentuk Rencana Bisnis Bank (RBB) sesuai dengan are prepared in the form of a Bank Business Plan (RBB) in accordance with
Visi dan Misi yang telah ditetapkan. Secara berkala, Direksi bersama Dewan the established Vision and Mission. Periodically, the Board of Directors,
Komisaris beserta jajaran manajemen senior Bank melakukan evaluasi together with the Board of Commissioners along with the Bank’s senior
berkala terhadap strategi dan kebijakan Bank serta implementasinya di management, evaluates the Bank’s strategy and policies and their
seluruh level organisasi. implementation at all levels of the organization.
REKOMENDASI 3.1.3: RECOMMENDATION 3.1.3:
Sekretaris Korporasi memiliki peran penting dalam mendukung efektivitas The Corporate Secretary has a crucial role in supporting the effectiveness
hubungan kerja antara Direksi dengan Dewan Komisaris, mendorong of working relationship between the Board of Directors and the Board
implementasi praktik governansi korporat yang baik, termasuk komunikasi of Commissioners, encouraging the implementation of good corporate
yang efektif dengan Pemegang Saham dan pemangku kepentingan lainnya. governance practices, including effective communication with Shareholders
and other stakeholders.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Bank menunjuk Caprie Ardira Azhar sebagai Kepala Divisi Corporate The Bank appointed Caprie Ardira Azhar as Head of Corporate
Secretary berdasarkan Keputusan Direksi No. 012/SK-DIR/HCM/01/21 Secretary Division based on Board of Directors’ Decision Letter
tanggal 11 Januari 2021. Corporate Secretary Bank bertanggung jawab No. 012/SK-DIR/HCM/01/21 dated 11 January 2021. The Bank’s Corporate
untuk memelihara citra Bank dan melindungi kepentingan Bank dengan Secretary is responsible for maintaining the Bank’s image and protecting
membangun komunikasi dan hubungan baik dengan semua pihak serta the Bank’s interests by establishing good communication and relations
sebagai penghubung antara Bank dengan Pemegang Saham dan pemangku with all parties and being a liaison between the Bank and Shareholders and
kepentingan lainnya. other stakeholders.
Rekomendasi 3.2: Akses informasi Dewan Komisaris.
Recommendation 3.2: Access to Information for the Board of Commissioners.
REKOMENDASI 3.2.1: RECOMMENDATION 3.2.1:
Direksi bertanggung jawab untuk memastikan Dewan Komisaris The Board of Directors is responsible for ensuring that the Board of
mendapatkan akses informasi yang akurat, relevan, dan tepat waktu. Commissioners has access to accurate, relevant, and timely information.
Dewan Komisaris sendiri memastikan bahwa ia memperoleh informasi The Board of Commissioners itself ensures that it obtains adequate
yang memadai. Direksi menyediakan informasi kepada Dewan Komisaris information. The Board of Directors provides information to the Board
secara teratur, tanpa penundaan, dan secara komprehensif tentang semua of Commissioners regularly, without delay, and comprehensively on all
masalah yang relevan dengan korporasi. Dewan Komisaris sewaktu-waktu matters relevant to the corporation. The Board of Commissioners may at
dapat meminta Direksi untuk memberikan informasi tambahan. any time request additional information to the Board of Directors.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Dewan Komisaris dapat berinteraksi dengan Direksi baik secara langsung The Board of Commissioners can interact with the Board of Directors both
maupun melalui rapat Dewan Komisaris bersama Direksi. Corporate Secretary directly and through the joint meeting of the Board of Commissioners
juga membantu Direksi menyediakan akses informasi yang akurat, relevan and Board of Directors. The Corporate Secretary also assists the Board of
dan tepat waktu kepada Dewan Komisaris serta mengadministrasikan, Directors in providing access to accurate, relevant, and timely information
mendistribusikan dan menindaklanjuti surat masuk yang diterima Bank yang to the Board of Commissioners as well as administers, distributes, and
ditujukan kepada Dewan Komisaris dan/atau Direksi. follows up incoming letters received by the Bank and addressed to the
Board of Commissioners and/or Board of Directors.
Rekomendasi 3.3: Tanggung jawab Direksi dan Dewan Komisaris atas Dampak Struktur.
Recommendation 3.3: Responsibilities of the Board of Directors and Board of Commissioners on Impacts of the Structure.
REKOMENDASI 3.3.1: RECOMMENDATION 3.3.1:
Dampak struktur kepemilikan terhadap korporasi. Direksi dan Dewan The impact of ownership structure on the corporation. The Board of
Komisaris mempertimbangkan tanggung jawabnya dalam konteks struktur Directors and Board of Commissioners consider their responsibilities in the
kepemilikan saham dan hubungan antar-Pemegang Saham korporasi yang context of shareholding structure and relationships between corporate
mungkin berdampak terhadap pengelolaan dan operasi korporasi. Shareholders, which may have an impact on corporate management and
operations.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Dewan Komisaris dan Direksi Bank memastikan bahwa struktur Pemegang The Bank’s Board of Commissioners and Board of Directors ensure that the
Saham dan hubungan antar Pemegang Saham tidak memengaruhi Shareholder structure and relations between Shareholders do not affect
pelaksanaan peran dan tanggung jawab Dewan Komisaris dan Direksi Bank. the implementation of roles and responsibilities of the Bank’s Board of
Seluruh keputusan dan kebijakan yang diambil Dewan Komisaris dan Direksi Commissioners and Board of Directors. All decisions and policies made
Bank diambil secara independen dan transparan demi kepentingan Bank. by the Bank’s Board of Commissioners and Board of Directors are taken
independently and transparently for the benefit of the Bank.
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Prinsip 4: Perilaku Etis dan Bertanggung Jawab
Principle 4: Ethical and Responsible Conduct
Rekomendasi 4.1: Pedoman Etika dan Perilaku.
Recommendation 4.1: Code of Conduct.
REKOMENDASI 4.1.1: RECOMMENDATION 4.1.1:
Pernyataan ini dituangkan dalam Pedoman Perilaku dan Etika Usaha This statement is set out in the Code of Conduct and Business Ethics, which
yang harus secara jelas mengungkapkan harapan korporasi bahwa setiap must clearly state the corporate expectation that each member of the
anggota Direksi dan Dewan Komisaris serta karyawan akan: Board of Directors and Board of Commissioners and employees will:
1. Bertindak untuk kepentingan terbaik korporasi; 1. Act in the best interests of the corporation;
2. Bertindak dengan jujur dan dengan integritas berstandar tinggi; 2. Act honestly and with a high standard of integrity;
3. Bersikap independen dan bertindak berdasarkan informasi yang lengkap, 3. Be independent and act based on complete information, in good faith,
dengan iktikad baik, dengan uji tuntas dan kehati-hatian; with due diligence and prudence;
4. Mematuhi peraturan perundang-undangan yang berlaku bagi korporasi 4. Comply with laws and regulations that apply to the corporation and its
dan operasinya; operations;
5. Menghindari tindakan yang melanggar peraturan perundang-undangan 5. Avoid actions that violate laws and regulations or unethical actions
atau tindakan yang tidak etis berdasarkan pedoman etika korporasi; based on corporate ethics guidelines;
6. Tidak terlibat atau berpartisipasi dalam kegiatan apa pun yang akan 6. Not be involved or participate in any activity that will create a conflict
menimbulkan benturan kepentingan dengan kepentingan terbaik of interest with the corporation’s best interests or have a negative
korporasi atau yang akan berdampak negatif terhadap reputasi impact on the corporation’s reputation;
korporasi;
7. Tidak mengambil manfaat atas properti atau informasi yang dimiliki 7. Not take advantage of property or information owned by the
korporasi, kepemilikan aset lainnya atau pelanggannya untuk corporation, ownership of other assets or its customers, for personal
kepentingan pribadi atau yang menyebabkan kerugian bagi korporasi gain or which causes harm to the corporation and its customers;
dan pelanggannya;
8. Tidak memanfaatkan jabatannya atau peluang yang dihasilkan oleh 8. Not take advantage of the position or opportunities generated by the
jabatannya untuk kepentingan pribadi; position for personal gain;
9. Menghindari perbuatan meminta atau menerima dari pihak ketiga 9. Avoid the act of requesting or receiving from third parties payments,
pembayaran, gratifikasi atau keuntungan lain untuk dirinya sendiri gratuities, or other benefits for oneself or for other people that will lead
atau untuk orang lain yang menimbulkan benturan kepentingan/ to conflicts of interest / provide benefits to third parties by violating the
memberikan keuntungan kepada pihak ketiga secara melanggar laws and regulations;
peraturan perundang-undangan;
10. Menghormati perbedaan pendapat dan hak-hak setiap anggota Direksi, 10. Respect differences of opinion and the rights of each member of the
Dewan Komisaris, dan karyawan; serta Board of Directors, Board of Commissioners, and employees; and
11. Memastikan pengungkapan yang lengkap, adil, akurat, tepat waktu, 11. Ensure complete, fair, accurate, timely, and understandable disclosure
dan dapat dipahami dalam laporan dan dokumen yang disampaikan in reports and documents submitted by the corporation to regulators
korporasi kepada regulator dan dalam komunikasi publik lainnya. and in other public communications.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Bank memiliki Kode Etik dan kebijakan pencegahan korupsi yang tertuang The Bank has a Code of Conduct and anti-corruption policy as stated in
dalam Keputusan Direksi No. 002/SK-DIR/08/20 tanggal 7 Agustus 2020 Board of Directors’ Decision Letter No. 002/SK-DIR/08/20 dated 7 August
tentang Kebijakan dan Standar Operasional Prosedur Penerapan Strategi 2020 on Policy and Standard Operating Procedure for Implementing Anti
Anti Fraud, yang wajib ditaati oleh seluruh insan Bank. Informasi lebih Fraud Strategy, which must be adhered to by all Bank personnel. More
lengkap disampaikan dalam Laporan Tahunan ini. detailed information is presented in this Annual Report.
REKOMENDASI 4.1.2: RECOMMENDATION 4.1.2:
Direksi menetapkan kebijakan dan praktik anti pencucian uang dan The Board of Directors establishes policies and practices for anti-money
pendanaan terorisme, anti suap, antikorupsi, anti kecurangan (anti fraud), laundering and terrorism financing, anti-bribery, anti-corruption, anti
keterlibatan dalam politik dengan mengacu pada standar nasional atau fraud, political involvement with reference to the national or international
internasional mengenai anti pencucian uang, anti suap, antikorupsi, anti standards regarding anti-money laundering, anti-bribery, anti-corruption,
kecurangan, atau standar terkait lainnya. anti-fraud, or other related standards.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Bank memiliki Kode Etik dan kebijakan pencegahan korupsi yang tertuang The Bank has a Code of Conduct and anti-corruption policy as stated in
dalam Keputusan Direksi No. 002/SK-DIR/08/20 tanggal 7 Agustus 2020 Board of Directors’ Decision Letter No. 002/SK-DIR/08/20 dated 7 August
tentang Kebijakan dan Standar Operasional Prosedur Penerapan Strategi 2020 on Policy and Standard Operating Procedure for Implementing Anti
Anti Fraud, yang wajib ditaati oleh seluruh insan Bank. Informasi lebih Fraud Strategy, which must be adhered to by all Bank personnel. More
lengkap disampaikan dalam Laporan Tahunan ini. detailed information is presented in this Annual Report.
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Tata Kelola Perusahaan
Good Corporate Governance
Rekomendasi 4.2: Nilai–Nilai dan Budaya Organisasi.
Recommendation 4.2: Corporate Values and Culture.
REKOMENDASI 4.2.1: RECOMMENDATION 4.2.1:
Korporasi mengartikulasikan, menumbuhkan, dan mengungkapkan budaya The corporation articulates, fosters, and discloses corporate culture and
serta nilai-nilai korporasi. values.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Bank menerapkan Nilai Budaya Perusahaan yakni SQEW agar setiap insan The Bank implements the Corporate Culture Values, namely SQEW, so that
Bank dapat menjalankan operasional Bank dengan baik dan mencegah every Bank personnel can carry out the Bank’s operations properly and
terjadinya berbagai tindakan fraud, pelanggaran peraturan perundang- prevent various acts of fraud, acts that violates laws and regulations, or
undangan atau tidak etis. Nilai Budaya Perusahaan telah diungkapkan unethical actions. The Corporate Culture Values have been disclosed in this
dalam Laporan Tahunan ini. Annual Report.
Rekomendasi 4.3: Penegakan dan Komunikasi Pedoman Etika, Nilai-Nilai, dan Budaya.
Recommendation 4.3: Enforcement and Communication of the Code of Conduct, Values, and Culture.
REKOMENDASI 4.3.1: RECOMMENDATION 4.3.1:
Pedoman perilaku dan kode etik korporasi dikomunikasikan secara efektif The corporate code of conduct and code of ethics are communicated
kepada Direksi, Dewan Komisaris, serta seluruh karyawan, diintegrasikan ke effectively to the Board of Directors, Board of Commissioners, and all
dalam strategi dan operasi korporasi termasuk sistem manajemen risiko employees, integrated into corporate strategy and operations, including
dan struktur remunerasi, serta ditegakkan. risk management system and remuneration structure, and being enforced.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Internalisasi Kode Etik dilakukan secara berkala melalui berbagai media Internalization of the Code of Conduct is regularly carried out through
yang tersedia guna menumbuhkan kesadaran dan pemahaman untuk various available media to raise awareness and understanding to implement
menerapkan perilaku yang sesuai dengan nilai utama Bank. Informasi lebih behavior that is in line with the Bank’s core values. More detailed
lengkap disampaikan dalam Laporan Tahunan ini. information is presented in this Annual Report.
Prinsip 5: Manajemen Risiko, Pengendalian Internal, dan Kepatuhan
Principle 5: Risk Management, Internal Control, and Compliance
Rekomendasi 5.1: Pengendalian Internal dan Kepatuhan.
Recommendation 5.1: Internal Control and Compliance.
REKOMENDASI 5.1.1: RECOMMENDATION 5.1.1:
Direksi melakukan reviu secara berkala atas ketepatan desain dan The Board of Directors periodically reviews the accuracy of designs and
efektivitas operasional sistem governansi, pengelolaan risiko, pengendalian operational effectiveness of the governance system, risk management,
internal dan kepatuhan korporasi dan melaporkan pelaksanaan dan hasil internal control, and corporate compliance and reports the implementation
reviu kepada para Pemegang Saham melalui Laporan Tahunan Korporasi. and review results to Shareholders through the Corporate Annual Report.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Direksi telah melaksanakan SPI sesuai dengan prinsip-prinsip pengendalian The Board of Directors has implemented internal control system in
dan evaluasi yang dilakukan Bank secara keseluruhan memperlihatkan accordance with the overall principles of control and evaluation performed
kualitas SPI Bank berjalan dengan baik. Dewan Komisaris dan Direksi by the Bank, which indicates that the quality of the Bank’s internal control
menyatakan bahwa Bank telah memiliki SPI yang efektif dan memadai system is running properly. The Board of Commissioners and Board of
dalam mengelola risiko-risiko yang dihadapi Bank tetap berada dalam batas Directors state that the Bank has an effective and adequate internal control
toleransi dalam mendukung pencapaian tujuan Bank yang mana telah system in managing the risks faced by the Bank while remaining within the
disampaikan pada Sistem Pengendalian Internal pada Laporan Tahunan ini. tolerance limit in supporting the achievement of the Bank’s objectives,
which has been conveyed in the Internal Control System in this Annual
Report.
Rekomendasi 5.2: Manajemen Risiko.
Recommendation 5.2: Risk Management.
REKOMENDASI 5.2.1: RECOMMENDATION 5.2.1:
Strategi dan risiko merupakan satu kesatuan, diungkapkan secara transparan, Strategy and risk is a unity, disclosed transparently, included in the
masuk ke dalam pelaksanaan tugas dan tanggung jawab Direksi dan Dewan implementation of duties and responsibilities of the Board of Directors and
Komisaris, serta dalam diskusi di rapat Dewan Komisaris dan Direksi. Board of Commissioners, as well as in discussions at meetings of the Board
of Commissioners and Board of Directors.
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STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Dewan Komisaris dan Direksi senantiasa melakukan pengelolaan dan The Board of Commissioners and Board of Directors always manage and
pemantauan risiko-risiko utama Bank dengan baik. Menyeimbangkan monitor the Bank’s main risks properly. Balancing risk, compliance culture,
antara risiko, budaya kepatuhan dan kecukupan modal juga menjadi and capital adequacy is also the Bank’s strategic pillar policy. The Board of
kebijakan pilar strategis Bank. Dewan Komisaris dan Direksi dibantu oleh Commissioners and Board of Directors are assisted by the Risk Monitoring
Komite Pemantau Risiko dan Komite Manajemen Risiko secara berkala Committee and Risk Management Committee, which regularly monitor and
memantau dan mengkaji efektivitas pengendalian dan pengelolaan risiko review the effectiveness of risk control and management at each meeting,
di setiap rapat dibantu juga oleh SKAI & Anti Fraud. and are also assisted by the SKAI & Anti Fraud.
REKOMENDASI 5.2.2: RECOMMENDATION 5.2.2:
Komite Pemantau Manajemen Risiko membantu pelaksanaan tugas Dewan The Risk Management Monitoring Committee assists the implementation
Komisaris dengan menciptakan mekanisme yang transparan, fokus, dan of the Board of Commissioners’ duties by creating a transparent, focused,
independen dalam pengawasan manajemen risiko korporasi. and independent mechanism for overseeing corporate risk management.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Dewan Komisaris memiliki Komite Pemantau Risiko yang beranggotakan The Board of Commissioners has established the Risk Monitoring
Komisaris Independen dan pihak independen yang kompeten dan memiliki Committee consisting of Independent Commissioners and independent
latar belakang sesuai dengan peraturan dan kebutuhan Bank. Komite parties who are competent and have backgrounds in accordance with the
Pemantau Risiko membantu memastikan bahwa penerapan manajemen Bank’s regulations and needs. The Risk Monitoring Committee helps ensure
risiko Bank tetap memenuhi unsur-unsur kecukupan prosedur dan that the Bank’s risk management implementation still meets the elements
metodologi pengelolaan risiko, sehingga kegiatan usaha Bank tetap dapat of adequacy of risk management procedures and methodologies, enabling
terkendali pada batas/limit yang dapat diterima dan menguntungkan Bank. the Bank’s business activities to remain under control at acceptable limits
Informasi lebih lengkap disampaikan dalam Laporan Tahunan ini. while still profitable for the Bank. More detailed information is presented in
this Annual Report.
Rekomendasi 5.3: Integrasi Governansi, Manajemen Risiko, dan Kepatuhan.
Recommendation 5.3: Integration of Governance, Risk Management, and Compliance.
REKOMENDASI 5.3.1: RECOMMENDATION 5.3.1:
Direksi membangun sistem governansi, manajemen risiko, dan kepatuhan The Board of Directors establishes an integrated governance, risk
(GRC) yang terintegrasi, dengan menangani berbagai ketidakpastian secara management, and compliance (GRC) system, by handling various
terpadu dan dengan integritas yang tinggi, untuk meyakinkan bahwa uncertainties in an integrated manner and with high integrity, to ensure
korporasi dapat mencapai tujuannya. that the corporation can achieve its objectives.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Direksi memastikan adanya koordinasi dan peningkatan kapabilitas di The Board of Directors ensures coordination and capability building
antara sistem utama GRC yang meliputi sistem governansi, manajemen among the main GRC systems, which include governance system, strategic
strategi, manajemen kinerja, manajemen risiko, manajemen kepatuhan, management, performance management, risk management, compliance
dan sistem audit internal agar Bank tetap berada pada jalur yang benar management, and internal audit system to ensure that the Bank stays on
dalam mencapai tujuan. the right track in achieving its objectives.
REKOMENDASI 5.3.2: RECOMMENDATION 5.3.2:
Direksi memastikan bahwa bagian yang membawahi fungsi kepatuhan tidak The Board of Directors ensures that the division in charge of the compliance
merangkap melaksanakan fungsi yang berpotensi menimbulkan benturan function does not concurrently perform functions that have the potential
kepentingan. to cause a conflict of interest.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Direktur Kepatuhan dan Manajemen Risko serta organ di bawahnya yang The Director of Compliance and Risk Management and all its sub-organs
membawahi fungsi kepatuhan tidak merangkap melaksanakan fungsi yang who oversee the compliance function do not concurrently perform functions
berpotensi menimbulkan benturan kepentingan sebagaimana digambarkan that have the potential to cause a conflict of interest as described in the
dalam Struktur Organisasi Bank dalam Laporan Tahunan ini. Bank’s Organizational Structure in this Annual Report.
Rekomendasi 5.4: Audit Internal.
Recommendation 5.4: Internal Audit.
REKOMENDASI 5.4.1: RECOMMENDATION 5.4.1:
Dewan Komisaris melalui Komite Audit memantau dan memastikan bahwa The Board of Commissioners, through the Audit Committee, oversees and
fungsi audit internal membantu korporasi untuk mencapai tujuannya dengan ensures that the internal audit function assists the corporation to achieve
membawa pendekatan yang objektif dan disiplin untuk mengevaluasi dan its objectives through an objective and disciplined approach to evaluate
meningkatkan efektivitas manajemen risiko, pengendalian internal, dan and improve the effectiveness of risk management, internal control, and
governansi korporat. corporate governance.
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Tata Kelola Perusahaan
Good Corporate Governance
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Dewan Komisaris memiliki Komite Audit yang memastikan pelaksanaan The Board of Commissioners has established the Audit Committee, which
tugas audit internal telah dilakukan secara objektif dan independen. ensures that the internal audit duties are performed objectively and
Pengangkatan dan pemberhentian Kepala SKAI & Anti Fraud juga independently. The appointment and dismissal of the Head of SKAI & Anti
memperhatikan rekomendasi dari Komite Audit. Auditor internal juga Fraud also considers recommendations from the Audit Committee. The
memiliki akses langsung kepada Komite Audit. Informasi lebih lengkap internal audit also has direct access to the Audit Committee. More detailed
disampaikan dalam Laporan Tahunan ini. information is presented in this Annual Report.
Prinsip 6: Pengungkapan dan Transparansi
Principle 6: Disclosure and Transparency
Rekomendasi 6.1: Kebijakan Pengungkapan.
Recommendation 6.1: Disclosure Policy.
REKOMENDASI 6.1.1: RECOMMENDATION 6.1.1:
Korporasi memiliki kebijakan dan prosedur pengungkapan dan transparansi The corporation has disclosure and transparency policies and procedures
yang memastikan pengungkapan informasi material dan menjaga informasi that ensure disclosure of material information and safeguard sensitive
sensitif serta rahasia korporasi. information as well as corporate secrets.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Bank memiliki Kebijakan Komunikasi dengan Pemegang Saham dan Investor The Bank has a communication policy with Shareholders and investors as
yang diatur dalam Anggaran Dasar Bank, yang mengatur pengungkapan set out in the Bank’s Articles of Association, which governs the disclosure
informasi material dan menjaga informasi sensitif serta rahasia, serta kewajiban of material information and safeguarding of sensitive and confidential
pengungkapan/keterbukaan informasi berdasarkan peraturan berlaku. information, as well as disclosure obligations under applicable regulations.
REKOMENDASI 6.1.2: RECOMMENDATION 6.1.2:
Hak Pemegang Saham untuk memperoleh secara teratur dan tepat waktu Shareholders' rights to obtain regularly and timely relevant material
informasi material yang relevan tentang korporasi harus dipenuhi. information regarding the corporation must be fulfilled.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Bank memastikan seluruh Pemegang Saham memiliki hak yang sama dalam The Bank ensures that all Shareholders have the same rights in receiving
menerima informasi material secara benar, tepat waktu, berkala, dan sesuai material information correctly, timely, periodically, and in accordance with
peraturan yang berlaku. the applicable regulations.
Rekomendasi 6.2: Laporan Keuangan dan Keberlanjutan.
Recommendation 6.2: Financial Statements and Sustainability Report.
REKOMENDASI 6.2.1: RECOMMENDATION 6.2.1:
Korporasi mengungkapkan sistem dan prosedur untuk memastikan bahwa The Corporation discloses systems and procedures to ensure that Interim
Laporan Keuangan Interim yang tidak diaudit atau direviu oleh auditor Financial Statements that are not materially audited or reviewed by
eksternal secara material adalah akurat, lengkap, dan memberikan investor external auditors are accurate, complete, and provide investors with the
informasi yang tepat untuk membuat keputusan investasi yang tepat. appropriate information to make the right investment decisions.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Bank memiliki sistem dan prosedur yang mengatur pengendalian internal The Bank has systems and procedures to regulate internal control over
atas pelaporan keuangan, termasuk Laporan Keuangan Interim, peran financial reporting, including Interim Financial Statements, the role of risk
fungsi manajemen risiko/kepatuhan/pengawasan manajemen dan fungsi management/compliance/supervision management function, and internal
audit internal dalam memastikan integritas Laporan Keuangan Interim, audit functions to ensure the integrity of Interim Financial Statements, and
dan peran Komite Audit dalam menelaah Laporan Keuangan yang akan the role of the Audit Committee in reviewing Financial Statements to be
dipublikasikan oleh Bank. published by Bank.
REKOMENDASI 6.2.2: RECOMMENDATION 6.2.2:
Komite Audit memastikan kualitas audit Laporan Keuangan The Audit Committee ensures the quality of audit on Financial Statements
yang dilaksanakan oleh auditor eksternal. Kegiatan ini termasuk conducted by the external auditors. This activity includes recommending
merekomendasikan penunjukan, penunjukan kembali dan, jika perlu, the appointment, reappointment, and, if necessary, dismissal and
pemberhentian, serta remunerasi auditor eksternal. remuneration of the external auditors.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Komite Audit Bank memastikan kualitas audit Laporan Keuangan The Audit Committee of the Bank ensures the quality of audit on Financial
yang dilaksanakan oleh auditor eksternal. Kegiatan ini termasuk Statements conducted by external auditors. This activity includes
merekomendasikan penunjukan, penunjukan kembali dan, jika perlu, recommending the appointment, reappointment, and, if necessary,
pemberhentian dan remunerasi auditor eksternal. dismissal and remuneration of the external auditors.
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REKOMENDASI 6.2.3: RECOMMENDATION 6.2.3:
Laporan Keberlanjutan harus disiapkan dan diungkapkan dengan akurat The Sustainability Report shall be accurately prepared and disclosed
dan disusun sesuai kerangka pelaporan keberlanjutan nasional atau and compiled in accordance with national or international sustainability
internasional. reporting frameworks.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Penjelasan Explanation
Laporan Keberlanjutan Bank disusun sesuai kerangka pelaporan The Sustainability Report of the Bank is prepared in accordance with the
keberlanjutan dari Peraturan Otoritas Jasa Keuangan. Meski demikian, sustainability reporting framework of the Financial Services Authority
pelaporan keberlanjutan Bank telah memuat beberapa kriteria GRI Regulations. Nevertheless, the Bank’s sustainability reporting consists of
meskipun belum sepenuhnya. several GRI criteria, although not fully covered.
REKOMENDASI 6.2.4: RECOMMENDATION 6.2.4:
Korporasi menerbitkan Laporan Tahunan secara terintegrasi yang The corporation issues an integrated Annual Report that puts historical
menempatkan kinerja historis ke dalam konteks dan menggambarkan performance into context and describes the corporation's risks,
risiko, peluang, dan prospek korporasi di masa depan, sehingga membantu opportunities, and future prospects, thereby helping Shareholders and
Pemegang Saham dan pemangku kepentingan memahami tujuan strategis stakeholders understand the corporation's strategic objectives and its
korporasi dan kemajuannya dalam menciptakan nilai yang berkelanjutan. progress in creating sustainable value.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Laporan Tahunan Bank telah mencantumkan kinerja historis dalam konteks The Bank’s Annual Report has put historical performance in context and
dan menggambarkan risiko, peluang, dan prospek korporasi di masa depan. described the risks, opportunities, and future prospects of the corporation.
Rekomendasi 6.3: Diseminasi Informasi.
Recommendation 6.3: Dissemination of Information.
REKOMENDASI 6.3.1: RECOMMENDATION 6.3.1:
Saluran penyebaran informasi harus menyediakan akses yang setara, tepat Channels for disseminating Information should provide users with equal,
waktu, dan relatif murah untuk informasi yang relevan bagi pengguna. timely, and relatively inexpensive access to relevant information.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Bank secara berkala memperbarui dan memberikan kemudahan akses The Bank regularly updates and provides easy access to information
informasi seputar aktivitas dan kinerja Bank kepada para pemangku regarding the Bank’s activities and performance to stakeholders, allowing
kepentingan agar mengetahui kondisi Bank secara jelas dan terbuka. them to be informed about the Bank’s condition in a clear and transparent
Berbagai kanal komunikasi yang tersedia termasuk media sosial, situs web, manner. Various available communication channels include social media,
e-mail blast dan paparan publik bagi nasabah dan publik, siaran pers, serta websites, e-mail blasts, and public expose for customers and the public,
kanal komunikasi khusus internal untuk karyawan Bank. press releases, as well as a special internal communication channels for the
Bank’s employees.
REKOMENDASI 6.3.2: RECOMMENDATION 6.3.2:
Korporasi memastikan bahwa pernyataan tahunan terhadap penerapan The corporation ensures that an annual statement regarding the
Pedoman Umum Governansi Korporat Indonesia, termasuk penjelasan atas implementation of General Guidelines for Indonesian Corporate
penerapan atas masing-masing Rekomendasi dan Panduan tersedia di situs Governance, including an explanation of the implementation of each
web selama jangka waktu minimal 5 (lima) tahun. Recommendation and Guideline is available on the website for a minimum
period of 5 (five) years.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Penjelasan Explanation
Saat ini, pernyataan terhadap penerapan PUGKI belum tersedia di situs web Currently, a statement on the implementation of PUGKI is not available on
Bank. the Bank’s website.
REKOMENDASI 6.3.3: RECOMMENDATION 6.3.3:
Untuk korporasi yang terdaftar di pasar modal di yurisdiksi selain yurisdiksi For corporations listed on the capital market in jurisdictions other than
asal, peraturan perundang-undangan atas governansi korporat yang berlaku the jurisdiction of origin, applicable laws and regulations on corporate
harus di diungkapkan dengan jelas. Dalam hal cross listing, kriteria dan governance must be clearly disclosed. In the case of cross listing, the criteria
prosedur cross listing, kriteria dan prosedur untuk mengakui persyaratan and procedures for cross listing, criteria and procedures for recognizing
listing untuk listing utama harus transparan dan didokumentasikan. the listing requirements for the primary listing must be transparent and
documented.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Bank merupakan entitas usaha yang didirikan di Indonesia dan tunduk The Bank is a business entity incorporated in Indonesia and is subject to the
terhadap peraturan yang berlaku di Indonesia. applicable regulations in Indonesia.
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Tata Kelola Perusahaan
Good Corporate Governance
Prinsip 7: Perlindungan terhadap Hak-Hak Pemegang Saham
Principle 7: Protection of Shareholders Rights
Rekomendasi 7.1: Hak Pemegang Saham.
Recommendation 7.1: Shareholders Rights.
REKOMENDASI 7.1.1: RECOMMENDATION 7.1.1:
Korporasi memiliki suatu kebijakan komunikasi yang memfasilitasi dan The corporation has a communication policy that facilitates and encourages
mendorong partisipasi Pemegang Saham atau investor. shareholder or investor participation.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Bank memiliki kebijakan komunikasi dengan Pemegang Saham dan investor The Bank has a communication policy with Shareholders and investors as
yang yang diatur dalam Anggaran Dasar Bank. set out in the Bank’s Articles of Association.
REKOMENDASI 7.1.2: RECOMMENDATION 7.1.2:
Korporasi yang merupakan Entitas Induk memastikan bahwa kebijakan Corporations that are Parent Entities ensure that their corporate
governansi korporatnya berlaku bagi Entitas Anak dan Entitas Sepengendali governance policies apply to Subsidiaries and Entities under Common
yang di dalamnya investasi korporasi adalah signifikan. Control in which their investment is significant.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Penjelasan Explanation
Bank memiliki kebijakan komunikasi dengan Pemegang Saham dan investor The Bank has a communication policy with Shareholders and investors as
yang diatur dalam Anggaran Dasar Bank. Saat ini, Bank tidak memiliki stipulated in the Bank’s Articles of Association. Currently, the Bank does
Entitas Anak dan Entitas Sepengendali. not have any Subsidiaries and entities under common control.
REKOMENDASI 7.1.3: RECOMMENDATION 7.1.3:
Korporasi memiliki aturan dan prosedur yang mengatur akuisisi, pengambil Corporations have rules and procedures that govern acquisitions, takeovers,
alihan, dan transaksi luar biasa, seperti merger dan penjualan aset korporasi and extraordinary transactions, such as mergers and sales of substantial
yang substansial untuk memastikan transaksi terjadi secara transparan dan corporate assets to ensure that the transactions occur in a transparent
dalam kondisi yang wajar dan melindungi hak-hak semua Pemegang Saham manner and under reasonable conditions as well as protecting the rights of
sesuai dengan kelasnya. all Shareholders according to class.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Anggaran Dasar Bank telah mengatur prosedur yang mengatur akuisisi, The Bank’s Articles of Association has set out procedures that govern
pengambil alihan, dan transaksi luar biasa. Selain itu, hak, wewenang, dan acquisitions, takeovers, and extraordinary transactions. In addition, the
tanggung jawab Pemegang Saham juga diatur secara rinci dalam Anggaran rights, authorities, and responsibilities of Shareholders are also stipulated
Dasar yang dapat diakses juga di situs web Bank (www.victoriabank.co.id). in detail in the Articles of Association, accessible on the Bank’s website
(www.victoriabank.co.id).
Rekomendasi 7.2: Perlakuan Adil Terhadap Pemegang Saham.
Recommendation 7.2: Fair Treatment to Shareholders.
REKOMENDASI 7.2.1: RECOMMENDATION 7.2.1:
Korporasi memiliki aturan dan prosedur yang memastikan: Corporations have rules and procedures ensuring that:
1. Semua Pemegang Saham dari seri yang sama dalam 1 (satu) kelas saham 1. All Shareholders of the same series in 1 (one) class of shares shall be
harus diperlakukan setara; serta treated equally; and
2. Pengungkapan aturan dan prosedur tersebut serta pengungkapan 2. There shall be disclosure of such rules and procedures, as well as
struktur modal dan pengaturan yang memungkinkan Pemegang Saham disclosure of capital structure and arrangements that allow certain
tertentu memeroleh pengaruh atau kendali yang tidak proporsional Shareholders to gain influence or control that is disproportionate to
dengan kepemilikan sahamnya. their share ownership.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Sesuai dengan Anggaran Dasar Bank, seluruh saham Bank adalah saham Pursuant to the Bank’s Articles of Association, all shares of the Bank are
atas nama. Seluruh Pemegang Saham memiliki hak yang sama, yakni proprietary shares. All Shareholders have the same rights, in which each
masing-masing saham memiliki hak atas 1 (satu) suara. share has the right to cast 1 (one) vote.
REKOMENDASI 7.2.2: RECOMMENDATION 7.2.2:
Korporasi memiliki aturan dan prosedur yang memastikan transaksi pihak The corporation has rules and procedures that ensure related party
berelasi disetujui dan dilaksanakan sedemikian rupa yang dapat meyakinkan transactions are approved and implemented in such a way as to ensure that
bahwa benturan kepentingan telah dikelola dengan tepat, dan melindungi conflicts of interest are properly managed, and protect the interests of the
kepentingan korporasi dan Pemegang Saham. corporation and Shareholders.
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STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Bank senantiasa memastikan transaksi pihak berelasi yang dilaksanakan The Bank always ensures that the related-party transactions made
tidak memiliki benturan kepentingan serta kepentingan Bank dan do not have conflicts of interest and that the interests of the Bank and
Pemegang Saham telah terlindungi. Shareholders are protected.
REKOMENDASI 7.2.3: RECOMMENDATION 7.2.3:
Korporasi memiliki dan mengungkapkan kebijakan untuk mencegah The corporations has and discloses policies to prevent insider trading.
terjadinya insider trading. Korporasi memiliki aturan yang jelas mengenai The corporation has clear rules regarding any trading in corporate shares
perdagangan apa pun dalam saham korporasi yang dilakukan oleh Direktur, conducted by Directors, Commissioners, and insiders to ensure that no
Komisaris dan orang dalam untuk memastikan bahwa siapa pun tidak one may benefit directly or indirectly from information that is not/not yet
boleh mendapatkan keuntungan secara langsung atau tidak langsung dari available in the market.
informasi yang tidak/belum tersedia di pasar.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Pengungkapan untuk mencegah terjadinya insider trading salah satunya Disclosure to prevent insider trading, one of which is set out in the Code
tertuang dalam Kode Etik. of Conduct.
Rekomendasi 7.3: Rapat Umum Pemegang Saham.
Recommendation 7.3: General Meeting of Shareholders.
REKOMENDASI 7.3.1: RECOMMENDATION 7.3.1:
Korporasi melakukan panggilan RUPS dengan agenda dan materi RUPS The corporation makes a notice for GMS with the agenda and materials
selengkap dan sedini mungkin (paling lambat 28 hari sebelum RUPS) for GMS as completely and as early as possible (no later than 28 days prior
untuk memberikan waktu dan materi yang cukup bagi Pemegang Saham to the GMS) to provide sufficient time and materials for Shareholders to
untuk mempelajari dengan baik agenda rapat. Undangan rapat dan seluruh properly study the meeting agenda. Meeting invitations and all GMS
informasi RUPS diungkapkan melalui sarana elektronik seperti melalui situs information are disclosed through electronic means, such as through the
web korporasi. corporate website.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Bank mengumumkan panggilan RUPS paling lambat 28 hari sebelum The Bank announces the notice for GMS no later than 28 days prior to the
tanggal pelaksanaan RUPS, dengan tidak memperhitungkan tanggal date of the GMS, regardless the date of the notice. Complete information
pemanggilan. Informasi lengkap mengenai agenda dan materi RUPS juga regarding the GMS agenda and materials is also available on the Bank’s
tersedia di situs web Bank. website.
REKOMENDASI 7.3.2: RECOMMENDATION 7.3.2:
Korporasi memiliki dan mengungkapkan aturan dan prosedur yang The Corporation has and discloses rules and procedures that facilitate
memfasilitasi Pemegang Saham dalam berpartisipasi dan memberikan Shareholders to participate and vote effectively at the GMS.
suara secara efektif di RUPS.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Mekanisme pengambilan keputusan/pemungutan suara RUPS disampaikan The GMS resolutions adoption/voting mechanism is presented in the
dalam Tata Tertib RUPS yang disampaikan di situs web Bank dan dibacakan GMS Conduct, which is posted on the Bank’s website and read back by the
kembali oleh Corporate Secretary pada saat dimulainya RUPS. Pemungutan Corporate Secretary at the commencement of the GMS. Voting is carried
suara dilakukan untuk masing-masing agenda RUPS Tahunan dan menunjuk out for each Annual GMS agenda item and independent parties, such as
pihak independen, Biro Administrasi Efek dan Notaris untuk melakukan the Share Registrar Bureau and Notary, are appointed to count the votes.
perhitungan suara.
REKOMENDASI 7.3.3: RECOMMENDATION 7.3.3:
Pemegang Saham berpartisipasi efektif dalam menetapkan penunjukan Shareholders participate effectively to determine the appointment of
anggota Direksi dan Dewan Komisaris. members of the Board of Directors and Board of Commissioners.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Riwayat hidup kandidat anggota Dewan Komisaris dan Direksi disampaikan The curriculum vitae of candidates for members of the Board of
bersamaan dengan panggilan RUPS Tahunan kepada publik melalui situs Commissioners and Board of Directors are submitted together with the
web Bank, dan pemungutan suara juga dilakukan secara terpisah untuk notice to the Annual GMS to the public through the Bank’s website, and
masing-masing kandidat. voting is also carried out separately for each candidate.
REKOMENDASI 7.3.4: RECOMMENDATION 7.3.4:
Korporasi memastikan transparansi dan akuntabilitas auditor eksternal di The corporation ensures transparency and accountability of the external
RUPS. auditor at the GMS.
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Tata Kelola Perusahaan
Good Corporate Governance
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Bank menjamin keterbukaan dan akuntabilitas auditor eksternal pada The Bank guarantees transparency and accountability of the external
RUPS dan melaksanakan proses pemungutan suara untuk menentukan auditors at the GMS and carries out voting to determine the appointment
penunjukan auditor eksternal. of external auditors.
REKOMENDASI 7.3.5: RECOMMENDATION 7.3.5:
Penyampaian hasil pemungutan suara dan ringkasan risalah RUPS secara Submission of voting results and a complete summary of the GMS minutes
lengkap diumumkan ke publik pada hari kerja berikutnya. are announced to the public on the following working day.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Hasil pemungutan suara dan ringkasan risalah RUPS Bank secara lengkap The voting results and complete summary of the minutes of the Bank’s
diumumkan ke publik di hari yang sama setelah selesainya RUPS melalui GMS are announced to the public on the same day after the completion of
situs web Bank. the GMS through the Bank’s website.
Prinsip 8: Penghargaan terhadap Pemangku Kepentingan
Principle 8: Award for Stakeholders
Rekomendasi 8.1: Keterlibatan Pemangku Kepentingan Kunci (Stakeholder Engagement).
Recommendation 8.1: Key Stakeholder Engagement.
REKOMENDASI 8.1.1: RECOMMENDATION 8.1.1:
Korporasi melalui Sekretaris Korporasi melaksanakan komunikasi yang The corporation, through the Corporate Secretary, carries out regular,
reguler, transparan dan efektif dengan pemangku kepentingan kunci serta transparent, and effective communication with key stakeholders and
melibatkan mereka untuk memahami harapan dan keluhan mereka serta engages them to understand their expectations, grievances, and the impact
dampak korporasi terhadap mereka. of the corporation on them.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Bank mengungkapkan proses dalam mengidentifikasi dan memilih The Bank discloses the process of identifying and selecting key stakeholders
pemangku kepentingan kunci yang akan dilibatkan telah diuangkapkan to be involved, which has been disclosed in the Annual Report. The Bank
dalam Laporan Tahunan. Bank juga memiliki WBS sebagai sarana also has established a WBS as a safe and independent means of conveying
penyampaian saran, masukan dan keluhan/pengaduan yang aman dan suggestions, input, and grievances/complaints.
independen.
Rekomendasi 8.2: Integrasi Keberlanjutan dalam Model Bisnis.
Recommendation 8.2: Integration of Sustainability in Business Models.
REKOMENDASI 8.2.1: RECOMMENDATION 8.2.1:
Dewan Komisaris bersama-sama dengan Direksi bertanggung jawab, The Board of Commissioners and the Board of Directors are responsible,
akuntabel, dan transparan atas governansi keberlanjutan, termasuk accountable, and transparent for sustainability governance, including in
menetapkan strategi, prioritas, dan target keberlanjutan korporasi. Direksi establishing corporate sustainability strategies, priorities, and targets.
dan Dewan Komisaris memasukkan pertimbangan keberlanjutan ketika The Board of Directors and Board of Board of Commissioners incorporate
menjalankan perannya, termasuk antara lain dalam pengembangan dan sustainability considerations when performing their roles, including by
implementasi strategi korporasi, rencana bisnis, rencana aksi utama dan developing and implementing corporate strategies, business plans, main
manajemen risiko. action plans, and risk management.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Direksi memastikan bahwa strategi, prioritas dan target keberlanjutan korporasi The Board of Directors ensures that corporate sustainability strategies,
serta kinerja terhadap target ini dikomunikasikan kepada para pemangku priorities, and targets, as well as performance against such targets are
kepentingan sebagaimana dilaporkan dalam Laporan Tahunan ini. communicated to stakeholders as reported in this Annual Report.
Rekomendasi 8.3: Perlindungan terhadap Pemangku Kepentingan.
Recommendation 8.3: Protection for Stakeholders.
REKOMENDASI 8.3.1: RECOMMENDATION 8.3.1:
Direksi memastikan dan mengungkapkan bahwa operasi korporasi The Board of Directors ensures and discloses that corporate operations
mencerminkan penerapan standar etika, tanggung jawab sosial dan reflect the application of high standards of ethics, social and environmental
lingkungan yang tinggi di seluruh korporasi dan memastikan bahwa responsibility throughout the corporation and ensures that appropriate
kebijakan dan prosedur yang tepat diterapkan untuk menghormati serta policies and procedures are in place to respect and comply with stakeholders
mematuhi hak-hak pemangku kepentingan. rights.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Bank memiliki berbagai kebijakan sebagai pedoman dalam menjalankan The Bank has various policies as guidelines in carrying out business
operasi bisnis yang sesuai etika, tanggung jawab sosial dan lingkungan, operations that are ethical, socially, and environmentally responsible, and
serta menghormati dan mematuhi hak-hak pemangku kepentingan. Hal ini respecting and complying with the stakeholders rights. This is presented
disampaikan secara lengkap pada Laporan Tahunan Bank. completely in the Bank’s Annual Report.
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REKOMENDASI 8.3.2: RECOMMENDATION 8.3.2:
Direksi mendorong karyawan bekerja untuk kepentingan jangka panjang The Board of Directors encourages employees to work for the long-term
korporasi dan mengedepankan keberlanjutan. interests of the corporation and prioritizes sustainability.
STATUS DAN KETERANGAN: STATUS AND DESCRIPTION:
Terpenuhi Complied
Guna mendorong penciptaan nilai yang berkelanjutan, Bank memiliki In order to encourage sustainable value creation, the Bank has a policy of
kebijakan pemberian insentif jangka panjang kepada karyawan berdasarkan providing long-term incentives to employees based on Board of Directors
Keputusan Direksi No. 001A/SK-DIR/12/22 tanggal 1 Desember 2022 Decree No. 001A/SK-DIR/12/22 dated 1 December 2022 concerning Human
tentang Kebijakan dan Prosedur Human Capital Management. Capital Management Policies and Procedures.
Rencana Strategis Bank
Bank’s Strategic Plans
Bank selalu mengevaluasi strategi jangka pendek, menengah, The Bank constantly evaluates the short-, medium-, and long-
dan panjang yang dituangkan dalam Rencana Bisnis Bank term strategies as outlined in the Bank’s Business Plan (RBB). The
(RBB). RBB 2024-2026 disusun dengan merujuk pada Peraturan 2024-2026 RBB is prepared by referring to the Financial Services
Otoritas Jasa Keuangan No. 5/POJK.03/2016. Penyusunan RBB Authority Regulation No. 5/POJK.03/2016. The preparation
juga memperhitungkan faktor eksternal dan internal, prinsip of RBB also considers external and internal factors, prudential
kehati-hatian, manajemen risiko, dan asas perbankan yang sehat. principle, risk management, and sound banking principles.
Pada tahun 2023, Bank telah menetapkan rencana strategis In 2023, the Bank has set a strategic plan for the long-term
untuk rencana jangka panjang (corporate plan) dan rencana plan (corporate plan) and the medium and short-term plan
jangka menengah dan pendek (business plan) yang tertuang (business plan) contained in the RBB 2024-2026 with the theme
dalam RBB 2024-2026 yang mengangkat tema tema “Continuous “Continuous Transformation With Strong Governance and
Transformation With Strong Governance and Excellence Services Excellence Services for Sustainable Growth” with the following
for Sustainable Growth” dengan penjelasan sebagai berikut: explanation:
Rencana Jangka Panjang Long-Term Plan
Bank Victoria telah merumuskan strategi-strategi untuk mencapai Bank Victoria has formulated strategies to achieve the Vision and
Visi dan Misi dalam kurun waktu 5 (lima) tahun mendatang, yaitu: Mission within 5 (five) years, as follows:
1. Menjaga dan memperkuat penerapan prinsip-prinsip GCG secara 1. Maintain and strengthen the consistent implementation of
konsisten yang selaras dengan prinsip-prinsip manajemen risiko GCG principles that are aligned with the principles of risk
dan kepatuhan terhadap regulasi (compliance); management and regulatory compliance;
2. Menjaga dan memelihara permodalan di level yang kuat dan 2. Maintain and preserve capital at a strong and adequate level
memadai sebagai landasan pengembangan dan pertumbuhan as the foundation for prudent and sustainable development
skala bisnis Bank yang prudent dan berkelanjutan; and growth of the Bank’s business scale;
3. Melanjutkan dan meningkatkan inovasi produk dan layanan 3. Continue and improve product innovation and best customer-
terbaik yang berfokus kepada nasabah (customer-centric); centric services;
4. Melanjutkan pengembangan sistem teknologi informasi 4. Continue the development of information technology
untuk mendukung efisiensi, inovasi, dan pengembangan systems to support efficiency, innovation, and product
produk serta peningkatan layanan; development as well as service improvement;
5. Melanjutkan optimalisasi melalui evaluasi kinerja jaringan kantor 5. Continue optimization through performance evaluation of
cabang guna meningkatkan efisiensi dan produktivitas dalam branch office network to improve efficiency and productivity
rangka mencapai pertumbuhan bisnis yang berkelanjutan; in order to achieve sustainable business growth;
6. Mengembangkan kualitas dan meningkatkan produktivitas 6. Develop the quality and improve the productivity of human
sumber daya manusia dan pelayanan nasabah untuk resources and customer service to face business challenges;
menghadapi tantangan bisnis; dan and
7. Meningkatkan nilai perusahaan bagi Pemegang Saham dan 7. Increase corporate value for shareholders and stakeholders.
pemangku kepentingan.
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Tata Kelola Perusahaan
Good Corporate Governance
Rencana Jangka Menengah dan Pendek Medium and Short-Term Plans
Bank menetapkan target jangka pendek untuk setahun ke depan The Bank sets its short-term targets for the next one year and
dan target jangka menengah untuk 3 (tiga) tahun mendatang medium-term targets for the next 3 (three) years, as follows:
yang diuraikan sebagai berikut:
1. Penguatan GCG dan penerapan manajemen risiko, meliputi: 1. Strengthening GCG and risk management implementation,
including:
a. Melanjutkan peningkatan internalisasi budaya kepatuhan a. Continuing to improve the internalization of compliance
secara berkelanjutan di seluruh aspek operasional dan culture in all aspects of the Bank’s operations and
bisnis Bank; business;
b. Melanjutkan penguatan fungsi pengawasan dan b. Continuing to strengthen the supervision and risk control
pengendalian risiko pada second dan third line of functions at the second and third lines of defense; and
defense; dan
c. Meciptakan pertumbuhan bisnis berkelanjutan yang c. Creating sustainable business growth achieved through
dicapai dengan penerapan dan pengelolaan GCG; the implementation and management of GCG;
2. Permodalan, yaitu dengan memperkuat dan/atau memelihara 2. Capital, namely by strengthening and/or maintaining healthy
permodalan yang sehat guna menyerap risiko dan mendukung capital to absorb risks and support sustainable business
pertumbuhan bisnis yang berkelanjutan melalui peningkatan growth through increased (organic) profits and issuance of
laba (organik) dan penerbitan obligasi subordinasi. subordinated bonds.
3. Pengembangan bisnis, meliputi: 3. Business development, including:
a. Menerbitkan 12 (dua belas) produk dasar dan 21 (dua puluh a. Issuing 12 (twelve) basic products and 21 (twenty
satu) produk lanjutan 5 (lima) produk lanjutan, 8 (delapan) one) advanced products 5 (five) advanced products,
produk lanjutan layanan elektronik, dan 8 (delapan) produk 8 (eight) electronic service advanced products, and
lanjutan layanan digital) guna mendorong pertumbuhan 8 (eight) digital service advanced products) to encourage
bisnis yang berkelanjutan dan pengembangan produk sustainable business growth and product development
(customer-centric) serta meningkatkan fee-based income; (customer-centric) and increase fee-based income;
b. Meningkatkan kampanye pemasaran (marketing b. Enhance marketing campaigns to expand the deposit
campaign) guna memperluas basis nasabah simpanan customer base, especially small customers, to increase
terutama nasabah kecil untuk me ningkatkan the portion of low-cost funds and reduce the cost of
porsi dana murah serta menekan cost of fund; funds;
c. Melanjutkan inisiatif-inisiatif kerja sama dalam c. Continue collaborative initiatives in developing other
pengembangan bisnis penyumbang fee-based income fee-based income contributing businesses in wealth
lain pada produk dan layanan wealth management; dan management products and services; and
d. Meningkatkan efektivitas penanganan kredit bermasalah, d. Improve the effectiveness of handling non-performing
kredit hapus buku, penyelesaian agunan yang diambil loans, write-off loans, settlement of repossessed
alih serta pemanfaatan aktiva tetap yang belum collateral and utilization of unused fixed assets
digunakan (properti terbengkalai) guna memelihara (abandoned properties) to maintain and improve the
dan meningkatkan kualitas serta mengoptimalkan quality and optimize asset productivity and increase
produktivitas aktiva dan meningkatkan pendapatan operating income other than interest;
operasional selain bunga;
4. Sistem teknologi informasi, yaitu dengan memperkuat 4. Information technology systems, namely by strengthening
kapasitas dan kualitas layanan infrastruktur TI yang bisa the capacity and quality of IT infrastructure services that
menjamin keamanan dan menjaga kepercayaan nasabah can ensure security and maintain customer confidence to
guna mendukung kegiatan operasional; support operational activities;
5. Jaringan kantor, meliputi: 5. Office network, including:
a. Melanjutkan peningkatan evaluasi kinerja jaringan kantor a. Continuing to improve the performance evaluation of
cabang yang ada guna mencapai tingkat profitabilitas the existing branch office network in order to achieve a
yang menguntungkan; dan favorable level of profitability; and
b. Melakukan penambahan jaringan kantor untuk b. Expand the office network to improve customer service
meningkatkan layanan nasabah serta memperluas pasar and expand the market geographically to support the
secara geografis dalam mendukung bisnis; business;
6. Sumber daya manusia dan organisasi, meliputi: 6. Human resources and organization, including:
a. Meningkatkan kualitas sumber daya manusia, penguatan a. Improving the quality of human resources, strengthening
perangkat organisasi melalui program pelatihan yang organizational tools through continuous training
berkelanjutan, dan rekrutmen tenaga sesuai kebutuhan programs, and recruitment of personnel according to the
bisnis Bank dan regulasi; dan Bank’s business needs and regulations; and
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b.Meningkatkan kualitas sumber daya manusia dalam b.Improving the quality of human resources in a dynamic
kompetisi yang dinamis melalui peningkatan softskill competition through the improvement of soft skills and
dan hardskill, program rekrutmen (Officer Development hard skills, recruitment programs (Officer Development
Program) dan pelatihan terencana dalam kurun waktu Program) and planned training within a period of 3
3 (tiga) bulan sekali dan terpadu seperti kewajiban (three) months and integrated such as the obligation to
pemenuhan sertifikasi dan refreshment; fulfill certification and refreshment;
7. Menjaga dan meningkatkan nilai perusahaan bagi seluruh 7. Maintain and increase the value of the company for all
Pemegang Saham dan pemangku kepentingan. Shareholders and stakeholders.
Pembelian Kembali Saham dan/atau Obligasi
Shares and/or Bonds Buy Back
Sepanjang tahun 2023, Bank Victoria tidak melakukan pembelian Throughout 2023, Bank Victoria did not conduct shares or bonds
kembali saham maupun obligasi. buy back.
Penyediaan Dana kepada Pihak Terkait
dan/atau Penyediaan Dana Besar
Provision of Funds to Related Parties and/or
Provision of Large Exposure
Bank menerapkan prinsip kehati-hatian dalam penyediaan dana The Bank implements the principle of prudence in providing funds
kepada pihak terkait dan debitur dalam jumlah besar. Prinsip to related party and debtors with large exposure, by reviewing
tersebut diimplementasikan melalui peninjauan mekanisme the implementation mechanisms according to internal policies,
pelaksanaan sesuai kebijakan internal, mematuhi ketentuan complying with Bank Indonesia regulations on Legal Lending
Bank Indonesia mengenai Batas Maksimum Pemberian Kredit, Limit Aspect, and having the decision made by the Board of
dan diputuskan Dewan Komisaris secara independen. Commissioners independently.
Pada tahun 2023, penyediaan dana kepada pihak terkait Bank dan In 2023, the provision of funds to the Bank’s related parties and
juga terhadap debitur inti Bank (tidak terkait) sebagai berikut: also to the Bank’s core debtors (non-related) are as follows:
Penyediaan Dana Debitur Total
Provision of Fund Debtor (juta Rupiah / million Rupiah)
Individu
900 21,973,320
Individual
Kepada Pihak Terkait
20 361,764
To Related Parties
Kepada Pihak Tidak Terkait
880 21,611,556
To Non-Related Parties
Kelompok
36 6,059,892
Group
Total 936 28,033,212
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Tata Kelola Perusahaan
Good Corporate Governance
Kepatuhan Perpajakan
Tax Compliance
Bank Victoria berkomitmen untuk mematuhi perundang- Bank Victoria is committed to complying with the applicable
undangan dan ketentuan yang berlaku. Bentuk kepatuhan laws and regulations, one of which is realized by fulfilling the
tersebut salah satunya diwujudkan dengan memenuhi kewajiban obligation to pay taxes. The Bank is required to withhold/collect
untuk membayar pajak. Bank wajib melakukan pemotongan/ tax on every taxable object, such as employee Income Tax (PPh),
pemungutan pajak terhadap setiap objek kena pajak, seperti Value Added Tax (VAT), and others. The Bank also submits tax
Pajak Penghasilan (PPh) karyawan dan Pajak Pertambahan obligation documents, such as annual and monthly Tax Returns
Nilai dan lain-lain (PPN). Bank juga menyampaikan dokumen (SPT), and obligation documents to regulatory institutions in a
kewajiban perpajakan, seperti Surat Pemberitahuan Pajak (SPT) timely manner. The amount of tax paid by the Bank throughout
tahunan maupun bulanan, serta dokumen kewajiban ke lembaga 2023 can be seen in the Management Discussion and Analysis
regulator dengan tepat waktu. Jumlah pajak yang dibayarkan chapter in the Contribution to the State section.
Bank selama tahun 2023 dapat dilihat pada bab Analisis dan
Pembahasan Manajemen bagian Kontribusi kepada Negara.
Transparansi Kondisi Keuangan dan
Non-Keuangan Bank yang Belum Diungkap
dalam Laporan Lain
Transparency of the Bank’s Financial and Non-Financial
Conditions that Have Not Been Disclosed in Other Report
Bank telah melakukan transparansi terhadap Laporan Tahunan The Bank has carried out transparency on the (financial and
(keuangan dan non-keuangan) serta Laporan Keuangan Publikasi non-financial) Annual Report as well as Quarterly Published
Triwulanan dan Laporan Keuangan Publikasi Bulanan dengan Financial Statements and Monthly Published Financial Statements
tepat waktu dan dipublikasikan di situs web Bank. in a timely manner and published on the Bank’s website.
Informasi Lain terkait Tata Kelola Bank
Other Information related to Bank Governance
Bank berupaya untuk mengelola dan menjalankan kegiatan bisnis The Bank strives to manage and carry out business activities
dengan baik dan bersih, tanpa adanya intervensi dari pemilik properly and cleanly, without any intervention from the owner
ataupun pihak lainnya, serta perselisihan internal ataupun or other parties, as well as internal disputes or other problems,
permasalahan lain, khususnya yang muncul sebagai dampak particularly those that arise as a result of the remuneration
kebijakan remunerasi yang diterapkan oleh Bank. Sepanjang policies applied by the Bank. Throughout 2023, the Bank
tahun 2023, Bank telah melakukan proses bisnis sesuai dengan carried out business processes in accordance with guidelines
pedoman pada prinsip-prinsip GCG, Kode Etik, Peraturan on GCG principles, Code of Conduct, Company Regulations,
Perusahaan, serta peraturan perundang-undangan yang berlaku and applicable laws and regulations to reduce negative impacts
untuk mengurangi dampak negatif yang dihasilkan dari keputusan resulting from the Bank’s operational decisions and activities.
dan aktivitas operasional Bank.
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Pernyataan dan Praktik Bad Corporate Governance
Statement and Practices of Bad Corporate Governance
Bank berkomitmen untuk menjalankan aktivitas bisnis perbankan The Bank is committed to carrying out clean and sound banking
yang bersih dan sehat, sehingga terhindar dari pelaksanaan business activities, and therefore, avoid bad business activities
aktivitas bisnis dan penerapan tata kelola yang tidak baik. and bad governance implementation. This commitment is
Komitmen tersebut diungkapkan dengan pemenuhan aspek dari disclosed by fulfilling aspects of the statement and practices of
pernyataan dan praktik bad corporate governance berikut: bad corporate governance as follows:
Praktik
Uraian Description
Practice
Nihil
Adanya laporan sebagai Bank yang mencemari lingkungan. There is a report that the Bank pollutes the environment.
None
Perkara penting yang sedang dihadapi oleh Bank, anggota Significant cases currently faced by the Bank, members
Nihil
Direksi dan/atau anggota Dewan Komisaris yang sedang of Board of Directors, and/or members of Board of
None
menjabat tidak diungkapkan dalam Laporan Tahunan. Commissioners are not disclosed in the Annual Report.
Nihil
Ketidakpatuhan dalam pemenuhan kewajiban perpajakan. Non-compliance in fulfilling tax obligations.
None
Ketidaksesuaian penyajian Laporan Tahunan dan Laporan Inconsistency of presentation of Annual Report and
Nihil
Keuangan dengan peraturan yang berlaku dan Standar Financial Statements with the the applicable regulations
None
Akuntasi Keuangan. and Financial Accounting Standards.
Nihil
Kasus terkait buruh dan karyawan. Cases related to workers and employees.
None
Nihil
Tidak terdapat pengungkapan segmen operasi. There are no disclosures on operational segment.
None
Terdapat ketidaksesuaian antara Laporan Tahunan hardcopy Nihil There is inconsistency between Annual Report’s hard copy
dengan Laporan Tahunan softcopy. None and Annual Report’s soft copy.
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STRUKTUR
PERMODALAN DAN
MANAJEMEN RISIKO
Capital Structure and Risk Management
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
Pengungkapan Permodalan
Disclosure of Capital
Dalam rangka meningkatkan nilai tambah bagi pemangku In order to increase added value for stakeholders and comply
kepentingan dan mematuhi persyaratan permodalan regulator, with regulatory capital requirements, Bank Victoria consistently
Bank Victoria secara konsisten mempertahankan struktur maintains a strong capital structure so that it can support
permodalan yang kuat sehingga dapat mendukung strategi sustainable business development strategy.
pengembangan usaha secara berkelanjutan.
Kebijakan Manajemen Permodalan Capital Management Policy
Kebijakan manajemen permodalan Bank Victoria bertujuan Bank Victoria’s capital management policy aims to ensure strong
untuk memastikan keberlanjutan modal yang kuat, menciptakan capital sustainability, create an optimal capital structure, and
struktur permodalan yang optimal, dan mematuhi ketentuan comply with regulatory requirements. Capital management
regulator. Kebijakan manajemen permodalan Bank mengacu policy of the Bank refers to:
pada:
1. Peraturan Otoritas Jasa Keuangan No. 11/POJK.03/2016 1. Financial Services Authority Regulation No. 11/ POJK.03/ 2016
tanggal 2 Februari 2016; dated 2 February 2016;
2. Peraturan Otoritas Jasa Keuangan No. 34/POJK.03/2016 2. Financial Services Authority Regulation No. 34/POJK.03/2016
tanggal 26 September 2016, Perubahan atas Peraturan dated 26 September 2016, Amendments to Financial
Otoritas Jasa Keuangan No. 11/POJK.03/2016 tentang Services Authority Regulation No. 11/POJK.03/2016 on
Kewajiban Penyediaan Modal Minimum Bank Umum; dan Capital Adequacy Ratio for Commercial Banks; and
3. Peraturan Otoritas Jasa Keuangan No. 27 Tahun 2022 3. Financial Services Authority Regulation No. 27 of 2022 dated
tanggal 26 Desember 2022, Perubahan Kedua atas Peraturan 26 December 2022, on Second Amendment to Financial
Otoritas Jasa Keuangan No. 11/POJK.03/2016 tentang Services Authority Regulation No. 11/POJK.03/2016 on
Kewajiban Penyediaan Modal Minimum Bank Umum. Capital Adequacy Ratio for Commercial Banks.
Penetapan strategi dan kebijakan pengelolaan permodalan Bank Establishment of strategies and policies of Bank Victoria’s capital
Victoria disusun sebagai bagian dari Rencana Bisnis Bank dan management is prepared as part of the Bank’s Business Plan and
disetujui oleh Direksi dan Dewan Komisaris. approved by the Board of Directors and Board of Commissioners.
Rencana permodalan Bank memastikan ketersediaan modal The Bank’s capital plan ensures the availability of sufficient
yang cukup dan penciptaan struktur permodalan yang optimal capital and create an optimal capital structure to support
untuk mendukung strategi bisnis. Dalam perencanaannya, Bank business strategy. In its planning, the Bank considers:
mempertimbangkan:
1. Ketentuan permodalan minimum yang diwajibkan oleh 1. Minimum capital requirements required by regulators;
regulator;
2. Kebutuhan modal untuk mendukung pertumbuhan usaha; 2. Capital requirements to support business growth; and
serta
3. Pilihan-pilihan yang ada untuk meningkatkan permodalan 3. Existing options to increase capital and achieve optimal
dan untuk mencapai struktur permodalan yang optimal. capital structure.
Pengelolaan modal juga mempertimbangkan kondisi ekonomi, Capital management also considers economic, business, and
usaha, dan pasar uang. Bank secara berkala melakukan penilaian money market conditions. The Bank periodically assesses capital
kecukupan permodalan (internal capital adequacy assessment adequacy (internal capital adequacy assessment process/ICAAP)
process/ICAAP) untuk mengevaluasi kondisi normal dan stress to evaluate normal and stressful conditions as part of the Bank’s
sebagai bagian dari pengawasan permodalan Bank. capital monitoring.
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Struktur Permodalan Capital Structure
Sesuai dengan ketentuan Otoritas Jasa Keuangan, struktur Pursuant to the provisions of Financial Services Authority, Bank
permodalan Bank Victoria terdiri dari: Victoria’s capital structure consists of:
1. Modal inti (tier 1), yang meliputi: 1. Tier 1, which includes:
a. Modal inti utama (common equity tier 1) a. Common equity tier 1
Modal inti utama mencakup modal disetor, cadangan Common equity tier 1 includes paid-up capital, disclosed
tambahan modal (disclosed reserve), dan faktor reserve and impairment factor for common equity tier
pengurang modal inti utama. Cadangan tambahan modal 1. Additional capital reserves consist of additional
terdiri atas faktor penambah (pendapatan komprehensif factors (other comprehensive income and other
lainnya dan cadangan tambahan modal lainnya) dan additional capital reserves) and deduction factors (other
faktor pengurang (pendapatan komprehensif lainnya dan comprehensive income and other additional capital
cadangan tambahan modal lainnya); reserves);
b. Modal inti tambahan (additional tier 1) b. Additional tier 1
2. Modal pelengkap (tier 2) 2. Tier 2
Modal pelengkap (tier 2) meliputi cadangan umum Tier 2 includes general reserves of Allowance for Asset Losses
Penyisihan Penghapusan Aset (PPA) atas aset produktif (PPA) for productive assets that must be formed (a maximum
yang wajib dibentuk (paling tinggi 1,25% Aset Tertimbang of 1.25% Risk Weighted Assets (ATMR) Credit Risk).
Menurut Risiko (ATMR) Risiko Kredit).
Total modal Bank pada tanggal 31 Desember 2023 sebesar The Bank’s total capital on 31 December 2023 was Rp3.82 trillion,
Rp3,82 triliun, yang didominasi oleh modal inti (tier I) Bank which was dominated by the Bank’s core capital (tier I) of Rp3.29
sebesar Rp3,29 triliun. Apabila dibandingkan dengan total modal trillion. When compared to the total capital on 31 December 2022
pada tanggal 31 Desember 2022 yang sebesar Rp3,88 triliun, which was Rp3.88 trillion, there was a decrease of 1.45%. The
maka terjadi penurunan sebesar 1,45%. Penurunan tersebut decrease occurred in the supplementary capital (tier II) component
terjadi pada komponen modal pelengkap (tier II) dengan of 21.02%. On the other hand, the core capital (tier I) component in
penurunan sebesar 21,02%. Di sisi lain, komponen modal inti 2023 increased by 2.68% to Rp3.29 trillion compared to that of the
(tier I) pada tahun 2023 mengalami peningkatan sebesar 2,68% previous year.
menjadi sebesar Rp3,29 triliun jika dibandingkan dengan tahun
sebelumnya.
Dengan struktur permodalan tersebut, rasio Kewajiban With such capital structure, the individual Minimum Capital
Penyediaan Modal Minimum (KPMM) pada tanggal 31 Desember Adequacy Ratio (CAR) on 31 December 2023 was 19.95%
2023 secara individual menjadi sebesar 19,95% dibandingkan compared to that of previous year of 21.97%.
tahun sebelumnya sebesar 21,97%.
Kecukupan Permodalan Capital Adequacy
Kecukupan permodalan Bank Victoria senantiasa sejalan dan Bank Victoria’s capital adequacy is constantly in line with and
menyesuaikan ketentuan regulasi Bank Indonesia dan Otoritas adjusts to regulations of Bank Indonesia and Financial Services
Jasa Keuangan yaitu Basel II dan Basel III (lebih dikenal dengan Authority, namely Basel II and Basel III (widely known as Basel
Basel III reforms) dalam rangka memastikan Bank dapat menjaga III reforms), to ensure that the Bank can maintain its capital
kecukupan permodalannya yang sifatnya lebih sensitif dan adequacy, which is more sensitive, to cover the main risks
dapat men-cover risiko-risiko utama pada kegiatan perbankan in banking activities while continuing to provide returns for
dengan tetap memberikan return bagi pemangku kepentingan, stakeholders, including:
di antaranya:
1. Pilar 1 (Minimum Capital Requirements) 1. Pilar 1 (Minimum Capital Requirements)
Sesuai dengan ketentuan regulasi, secara umum, metodologi The method generally used for assessing capital adequacy
yang digunakan dalam menilai kecukupan dan kebutuhan and requirements for credit risk, market risk, and operational
modal untuk risiko kredit, risiko pasar, dan risiko operasional. risk, which follows regulatory provisions.
2. Pilar 2 (Supervisory Review Process) 2. Pilar 2 (Supervisory Review Process)
Bank Victoria telah menerapkan Internal Capital Adequacy Bank Victoria has implemented the Internal Capital Adequacy
Assessment Process (ICAAP), yaitu proses untuk menetapkan Assessment Process (ICAAP), which is a process to determine
kecukupan modal yang sesuai dengan profil risiko Bank, dan the capital adequacy according to the Bank’s risk profile and
menetapkan strategi untuk memelihara tingkat permodalan. to determine a strategy to maintain capital rating.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
3. Pilar 3 (Market Discipline) 3. Pilar 3 (Market Discipline)
Bank Victoria menerapkan disiplin pasar melalui transparansi Bank Victoria applies market discipline through transparency
dan pengungkapan atas informasi keuangan Bank. and disclosure of the Bank’s financial information.
Penyesuaian terhadap implementasi Basel III, regulator telah Adjusting to the implementation of Basel III, the regulator
mengeluarkan ketentuan mengenai kewajiban penyediaan has issued a provision on minimum capital adequacy ratio for
modal minimum bank umum, di mana Bank wajib membentuk commercial bank, in which the Bank is required to establish
tambahan modal sebagai penyangga (buffer). Tambahan modal additional capital as a buffer. The additional capital can be in the
tersebut berupa: form of:
1. Capital Conservation Buffer 1. Capital Conservation Buffer
Penyangga untuk mengantisipasi terjadinya kerugian pada A buffer to anticipate a loss in crisis period.
periode krisis.
2. Countercyclical Buffer 2. Countercyclical Buffer
Penyangga untuk mengantisipasi terjadinya kerugian apabila A buffer to anticipate losses in the event of excessive banking
pertumbuhan kredit perbankan berlebihan yang berpotensi credit growth that potentially interferes with the financial
mengganggu stabilitas sistem keuangan. system stability.
3. Capital Surcharge untuk Domestic Systemically Important 3. Capital Surcharge for Domestic Systemically Important Bank
Bank (D-SIB). (D-SIB).
Penyangga untuk mengurangi dampak negatif terhadap A buffer to reduce negative impacts on the financial system
stabilitas sistem keuangan dan perekonomian apabila terjadi stability and economy in the event of Bank failure that has
kegagalan Bank yang berdampak sistemik, melalui peningkatan systemic impact, through the improvement of the Bank’s ability
kemampuan Bank dalam menyerap kerugian. to absorb losses.
Bank Victoria telah menerapkan perhitungan kewajiban Bank Victoria has applied the calculation of the requirement to
membentuk tambahan modal sebagai penyangga (buffer) dalam form additional capital as a buffer in the Capital Adequacy Ratio
Kewajiban Penyedian Modal Minimum (KPMM) sesuai dengan (CAR) in accordance with the regulatory provisions. As a bank of
ketentuan regulator. Sebagai Bank KBMI I (Kelompok Bank KBMI I (Bank Groups Based on Core Capital I), Bank Victoria is
berdasarkan Modal Inti), Bank Victoria tidak diwajibkan untuk not required to provide capital conservation buffer because the
menyediakan capital conservation buffer karena ketentuan capital requirement provision applies to banks of KBMI II, KBMI III,
penyediaan modal tersebut berlaku untuk Bank KBMI II, KBMI III, and KBMI IV.
dan KBMI IV.
Pengungkapan permodalan Bank Victoria sebagai berikut: Bank Victoria’s disclosure of capital is as follows:
1. Tabel Utama (Key Metrics). 1. Main Table (Key Metrics).
2. Tabel Perbedaan antara Cakupan Konsolidasi dan Mapping 2. Table of Difference between Consolidated and Mapping
pada Laporan Keuangan sesuai Standar Akuntansi Keuangan Coverage on the Financial Statements in Accordance with
dengan Kategori Risiko sesuai dengan Ketentuan Otoritas the Financial Accounting Standards with Risk Categories in
Jasa Keuangan Kategori Risiko (LI1). Accordance with the Financial Services Authority Provisions
for Risk Category (LI1).
3. Tabel Perbedaan Utama antara Nilai Tercatat sesuai Standar 3. Table of Key Differences between Carrying Value in
Akuntansi Keuangan dengan Nilai Eksposur sesuai dengan Accordance with the Financial Accounting Standards and
Ketentuan Otoritas Jasa Keuangan (LI2). Exposure Value in Accordance with the Financial Services
Authority Regulations (LI2).
4. Tabel Penjelasan Mengenai Perbedaan antara Nilai Eksposur 4. Table of Explanation on the Differences between the
sesuai Standar Akuntansi Keuangan dengan Ketentuan Exposure Values in accordance with the Financial Accounting
Otoritas Jasa Keuangan (LIA). Standards and Financial Services Authority Provisions (LIA).
5. Tabel Komposisi Permodalan (CC1). 5. Table of Capital Composition (CC1).
6. Tabel Rekonsiliasi Permodalan (CC2). 6. Table of Capital Reconciliation (CC2).
7. Tabel Fitur Utama Instrumen Permodalan dan Instrumen 7. Table of Key Features of Capital instrument and TLAC
TLAC - Eligible (CCA). instrument - Eligible (CCA).
8. Tabel Rasio Pengungkit – Laporan Kewajiban Pemenuhan 8. Table of Leverage Ratio - Leverage Ratio Compliance Report.
Rasio Pengungkit.
9. Tabel Rasio Pengungkit – Laporan Perhitungan Rasio 9. Table of Leverage Ratio - Leverage Ratio Calculation Report.
Pengungkit.
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Manajemen Risiko
Risk Management
Kegiatan usaha Bank selalu dihadapkan pada risiko-risiko yang The Bank’s business activities are always faced with risks that are
berkaitan erat dengan fungsinya sebagai lembaga intermediasi closely related to its function as a financial intermediary and other
keuangan dan aktivitas perbankan lainnya yang dilakukan untuk banking activities carried out to support the Bank’s objectives.
menunjang tujuan Bank. Perkembangan bisnis yang pesat Rapid business development causes the risks of business
menyebabkan risiko kegiatan usaha semakin kompleks, yang activities become increasingly complex, which in turn requires
selanjutnya menuntut Bank untuk menerapkan manajemen the Bank to implement risk management according to standards
risiko yang sesuai dengan standar yang merujuk pada ketentuan by referring to regulatory provisions and best practices applied
regulator dan best practice yang diterapkan di perbankan agar in banking in order to overcome the complexity of such risks.
dapat mengatasi kompleksitas risiko tersebut. Manajemen risiko Risk management is an important aspect so that all stakeholders
merupakan aspek penting agar semua pemangku kepentingan in the Bank are more aware of risk (risk awareness), clearly
di Bank menjadi lebih sadar akan risiko (risk awareness) dan understand the expectations and risk problems that will be faced,
mengerti dengan jelas mengenai ekspektasi dan permasalahan and manage them properly. Bank Victoria actively improves its
risiko yang akan dihadapi serta dapat dikelola dengan baik. Bank risk management implementation to identify, measure, monitor,
Victoria secara aktif meningkatkan implementasi manajemen and properly control risks to prevent disruption to the Bank’s
risiko untuk mengidentifikasi, mengukur, memantau, dan business continuity.
mengendalikan risiko dengan tepat guna mencegah gangguan
terhadap kelangsungan usaha Bank.
Dasar Penerapan Manajemen Risiko Basis of Risk Management Implementation
Penerapan manajemen risiko Bank didasarkan pada beberapa The Bank’s risk management implementation is based on the
peraturan berikut: following regulations:
1. Peraturan Otoritas Jasa Keuangan No. 4/POJK.03/2016 1. Financial Services Authority Regulation No. 4/POJK.03/2016 on
tentang Penilaian Tingkat Kesehatan Bank Umum; Sound Level Assessment for Commercial Banks;
2. Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2016 2. Financial Services Authority Regulation No. 18/POJK.03/2016
tentang Penerapan Manajemen Risiko bagi Bank Umum; on Implementation of Risk Management for Commercial Banks;
3. Peraturan Otoritas Jasa Keuangan No. 17 Tahun 2023 3. Financial Services Authority Regulation No. 17 of 2023 on
tentang Penerapan Tata Kelola bagi Bank Umum; Implementation of Governance for Commercial Banks;
4. Surat Edaran Otoritas Jasa Keuangan No. 34/SEOJK.03/2016 4. Financial Services Authority Circular No. 34/SEOJK.03/2016 on
tentang Penerapan Manajemen Risiko bagi Bank Umum; Risk Management Implementation for Commercial Banks;
5. Surat Edaran Otoritas Jasa Keuangan No. 13/SEOJK.03/2017 5. Financial Services Authority Circular No. 13/SEOJK.03/2017 on
tentang Penerapan Tata Kelola bagi Bank Umum; dan Implementation of Governance for Commercial Banks; and
6. Surat Edaran Otoritas Jasa Keuangan No. 14/SEOJK.03/2017 6. Financial Services Authority Circular No. 14/SEOJK.03/2017 on
tentang Penilaian Tingkat Kesehatan Bank Umum. Sound Level Assessment for Commercial Banks.
Penerapan Manajemen Risiko Bank Implementation of Bank Risk Management
Bank senantiasa berupaya untuk meningkatkan kualitas The Bank always strives to improve the quality of risk
implementasi manajemen risiko guna menjadi mitra bisnis yang management implementation to become a trusted business
terpercaya dengan menyediakan kerangka kerja manajemen partner by providing risk management framework, promoting
risiko, mempromosikan risk culture, serta menarik talenta risk culture, and attracting talent to support sustainable business
untuk mendukung pertumbuhan bisnis yang berkelanjutan. growth. In implementing risk management, the Bank refers to the
Dalam penerapan manajemen risiko, Bank berpedoman pada Financial Services Authority Regulation No. 18/POJK.03/2016 on
Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2016 tentang Implementation of Risk Management for Commercial Banks, in
Penerapan Manajemen Risiko bagi Bank Umum, di mana Bank which the Bank effectively implements risk management through
menerapkan manajemen risiko secara efektif melalui 4 (empat) 4 (four) pillars consisting of:
pilar yang terdiri dari:
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
1. Pengawasan aktif Dewan Komisaris dan Direksi; 1. Active monitoring of Board of Commissioners and Board of
Directors;
2. Kecukupan kebijakan, prosedur, dan penetapan limit 2. Adequacy of risk management policies, procedures, and limit
manajemen risiko; setting;
3. Kecukupan proses identifikasi, pengukuran, pemantauan, 3. Adequacy of process of risk identification, measurement,
pengendalian, dan sistem informasi manajemen risiko; dan monitoring, and managament, as well as risk management
information system; and
4. Sistem pengendalian internal terhadap penerapan 4. Internal control system on risk management implementation.
manajemen risiko.
Pengawasan Aktif Dewan Komisaris dan Direksi Active Monitoring of Board of Commissioners and
Board of Directors
Tata kelola manajemen risiko senantiasa mengacu pada Peraturan Risk management governance refers to the Financial Services
Otoritas Jasa Keuangan No. 17 Tahun 2023 tentang Penerapan Authority Regulation No. 17 of 2023 on Implementation of
Tata Kelola bagi Bank Umum, Dewan Komisaris dan Direksi secara Governance for Commercial Banks, the Board of Commissioners
aktif melakukan pengawasan dan mitigasi serta mengembangkan and Board of Directors actively supervise, mitigate, and
budaya manajemen risiko di Bank. Adapun tugas dan tanggung develop risk management culture within the Bank. Duties and
jawab Dewan Komisaris sebagai berikut: responsibilities of the Board of Commissioners are as follows:
1. Melakukan pengawasan untuk kepentingan Bank atas kebijakan 1. Supervise in the interests of the Bank over the policies and
dan jalannya pengurusan Direksi, memberikan nasihat kepada management of the Board of Directors, provide advice to the
Direksi, dan bertanggung jawab atas pengawasan tersebut; Board of Directors, and be responsible for such supervision;
2. Melaksanakan tugas, wewenang, dan tanggung jawab dengan 2. Perform duties, authorities, and responsibilities in good faith
iktikad baik dan dengan prinsip kehati-hatian; dan and with prudential principles; and
3. Memberikan arahan, memantau, dan mengevaluasi 3. Provide direction, monitor, and evaluate the implementation of
pelaksanaan tata kelola, manajemen risiko, dan kepatuhan integrated governance, risk management, and compliance, as
secara terintegrasi serta kebijakan strategis Bank. well as the Bank’s strategic policies.
Dewan Komisaris dalam menjalankan fungsinya sebagai In performing its supervisory function, the Board of Commissioners
pengawasan secara aktif dibantu oleh Komite Audit, Komite is actively assisted by the Audit Committee, Risk Monitoring
Pemantau Risiko, dan Komite Nominasi dan Remunerasi. Committee, and Nomination and Remuneration Committee.
Sementara itu, tugas dan tanggung jawab Direksi sebagai berikut: Meanwhile, duties and responsibilities of the Board of Directors
are as follows:
1. Menyusun kebijakan dan strategi manajemen risiko secara 1. Develop written and comprehensive risk management
tertulis dan komprehensif; policies and strategies;
2. Memiliki tanggung jawab atas pelaksanaan kebijakan 2. Is responsible for the implementation of risk management
manajemen risiko dan eksposur risiko yang diambil oleh Bank policies and risk exposure taken by the Bank as a whole;
secara keseluruhan;
3. Mengevaluasi dan memutuskan transaksi yang memerlukan 3. Evaluate and decide on transactions requiring approval from
persetujuan Direksi; the Board of Directors;
4. Mengembangkan budaya manajemen risiko pada seluruh 4. Develop a risk management culture at all levels of the
jenjang organisasi; organization;
5. Memastikan peningkatan kompetensi sumber daya manusia 5. Ensure increased competency of human resources related to
yang terkait dengan manajemen risiko; dan risk management; and
6. Memastikan bahwa fungsi manajemen risiko telah beroperasi 6. Ensure that the risk management function operates
secara independen. independently.
Direksi dibantu oleh Executive Committee terkait Manajemen The Board of Directors is assisted by an Executive Committee
Risiko, seperti Komite Manajemen Risiko, Komite Kredit, dan related to Risk Management, such as the Risk Management
Komite Kebijakan Perkreditan. Penerapan manajemen risiko Committee, Credit Committee, and Credit Policy Committee.
bukan hanya tanggung jawab Dewan Komisaris dan Direksi, tetapi Risk management implementation is not only the responsibility
juga harus dilaksanakan oleh unit kerja lainnya di bawah Direksi, of the Board of Commissioners and Board of Directors, but also
seperti Satuan Kerja Manajemen Risiko, Satuan Kerja Kepatuhan, required to be implemented by other work units under the Board
SKAI & Anti Fraud, dan Risk Taking Unit. of Directors, such as the Risk Management Unit, Compliance Unit,
SKAI & Anti-Fraud, and Risk Taking Unit.
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Kecukupan Kebijakan, Prosedur, dan Adequacy of Policies, Procedures, and
Penetapan Limit Manajemen Risiko Limit Establishment of Risk Management
Aktivitas operasional Bank telah didukung dengan kerangka The Bank’s operational activities are supported by risk
manajemen risiko yang mencakup kebijakan dan prosedur management framework that includes policies and procedures
penerapan manajemen risiko sejalan dengan visi, misi, strategi for implementing risk management in line with the Bank’s vision,
bisnis Bank, tingkat risiko yang diambil dan toleransi risiko, serta mission, business strategy, risk appetite, and risk tolerance, as
limit tanpa mengabaikan kemampuan modal Bank untuk dapat well as limits without compromising the Bank’s capital ability to
menyerap eksposur risiko. absorb risk exposure.
Kebijakan dan prosedur penerapan manajemen risiko merupakan Policies and procedures for implementing risk management are
arahan tertulis pada aktivitas fungsional Bank yang dalam written directions for the Bank’s functional activities which in
penyusunannya juga telah diatur mengenai penetapan limit their preparation also stipulate the limit establishment for each
untuk masing-masing aktivitas, baik pada level portofolio activity, both at portfolio and transactional levels. All policies and
maupun transaksional. Seluruh kebijakan dan prosedur di Bank procedures at the Bank are a form of risk management inherent
merupakan bentuk pengelolaan risiko yang melekat pada setiap in every operational activity at the Bank, updated periodically
aktivitas operasional di Bank yang dikinikan secara berkala dengan by considering the complexity of business activities, risk profile,
memperhatikan kompleksitas kegiatan usaha, profil risiko, dan interrelationship between risks, and regulations set by the
keterkaitan antar risiko, serta peraturan yang ditetapkan otoritas authorities, and/or sound banking practices.
dan/atau praktik perbankan yang sehat.
Dalam rangka pengendalian risiko secara efektif, kebijakan To control risk effectively, policies and procedures are based on
dan prosedur didasarkan pada strategi manajemen risiko dan risk management strategies and equipped with risk tolerances
dilengkapi dengan toleransi risiko dan limit risiko. Penetapan and risk limits. Determination of risk tolerance and limits by
toleransi dan limit risiko telah memperhatikan tingkat risiko considering the level of the risk appetite and overall strategy.
yang akan diambil dan strategi secara keseluruhan. Perihal Limits are determined based on overall limits, limits per type
penetapan limit didasarkan atas limit secara keseluruhan, limit of risk, and limits per certain functional activities that have risk
per jenis risiko, dan limit per aktivitas fungsional tertentu yang exposure adjusted to the Bank’s complexity and business as well
memiliki eksposur risiko disesuaikan dengan kompleksitas dan as compliance with applicable regulations. Whereas, limits are
usaha Bank serta kepatuhan terhadap ketentuan yang berlaku. prepared and proposed by risk taking unit and submitted to the
Sedangkan, dalam penyusunan dan pengajuan limit diusulkan Risk Management/Integrated to be evaluated and proposed to
oleh unit kerja (risk taking unit) dan disampaikan kepada Risk the Risk Management Committee. Furthermore, risk tolerance
Management/Integrated untuk dievaluasi dan diajukan kepada and risk limits are recommended to the President Director for
Komite Manajemen Risiko. Selanjutnya, toleransi dan limit risiko approval under acknowledgment of the Board of Commissioners.
direkomendasikan kepada Direktur Utama untuk mendapatkan
persetujuan dengan sepengetahuan Dewan Komisaris.
Kecukupan Proses Identifikasi, Pengukuran, Adequacy of Identification, Measurement,
Pemantauan, Pengendalian, dan Sistem Informasi Monitoring, and Control Processes, as well as
Manajemen Risiko Risk Management Information System
Proses manajemen risiko meliputi tahapan berikut: The risk management process includes the following stages:
1. Identifikasi 1. Identification
Identifikasi risiko merupakan proses untuk menentukan risiko Risk identification is a process to determine inherent risks
yang melekat pada aktivitas Bank berpotensi menghambat within the Bank’s activities with potential to hinder the
pencapaian tujuan. Identifikasi risiko Bank dilakukan melalui achievement of the Bank’s objectives. The Bank’s risk
analisis terhadap seluruh jenis risiko, terutama kompleksitas identification is carried out through the analysis of all types
dan karakteristik risiko yang melekat yang berpotensi of risk, particularly the complexity and characteristics of
merugikan Bank. inherent risks that may potentially harm the Bank.
2. Pengukuran 2. Measurement
Tujuan pengukuran risiko adalah untuk mengukur tingkat The risk measurement is aimed to measure the level of
risiko yang melekat pada aktivitas Bank dan dampaknya inherent risk within the Bank’s activities and its impact on
terhadap permodalan, pendapatan, dan/atau strategi Bank. the Bank’s capital, income, and/or strategy. The Bank’s risk
Pengukuran risiko Bank dilakukan secara berkala, baik untuk measurement is carried out periodically, either for products
produk dan portofolio maupun seluruh aktivitas bisnis Bank or portfolios or all business activities intended to measure
yang bertujuan untuk mengukur eksposur risiko Bank sebagai the Bank’s risk exposure as a reference in risk control.
acuan di dalam pengendalian risiko.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
3. Pemantauan 3. Monitoring
Pemantauan risiko adalah proses untuk mengetahui, Risk monitoring is a process for finding out, evaluating
mengevaluasi potensi tingkat risiko dan efektivitas respons the level of potential risk, and effectiveness of responses
yang dijalankan di Bank. Pemantauan risiko Bank antara carried out at the Bank. The Bank’s risk monitoring includes
lain mencakup besarnya eksposur risiko, toleransi risiko, the magnitude of risk exposure, risk tolerance, internal
kepatuhan limit internal, hasil stress testing, dan konsistensi limit compliance, stress testing results, and consistent
pelaksanaan dengan kebijakan dan prosedur yang ditetapkan implementation with the established policies, procedures,
dan peraturan terkait eskternal lainnya. Pemantauan and other external related regulations. Monitoring is
didukung oleh sistem informasi manajemen risiko dan supported by the risk management information system,
disesuaikan dengan kebutuhan dalam rangka penerapan which is tailored to needs in order to implement effective risk
manajemen risiko yang efektif. management.
4. Pengendalian 4. Control
Pengendalian risiko adalah metode yang digunakan Bank Risk control is the method used by the Bank to evaluate
untuk mengevaluasi potensi kerugian dan tindakan yang potential loss and actions to be taken to accept, reduce,
dilakukan untuk menerima, mengurangi, mengalihkan, atau transfer, or eliminate risks. The risk control of the Bank
menghilangkan risiko. Pengendalian risiko Bank dilakukan is carried out by following up on material and significant
antara lain dengan memberikan tindak lanjut atas risiko yang risks, attached monitoring, and conducting internal audits
bersifat material dan signifikan, pengawasan melekat, dan periodically.
pelaksanaan audit internal secara berkala.
Penerapan proses manajemen risiko didukung oleh sistem The risk management process is supported by information system
informasi yang memadai dan dikembangkan sesuai dengan that is adequate and developed in accordance with the Bank’s
kebutuhan Bank dalam rangka penerapan manajemen risiko yang needs in order to implement effective risk management. The risk
efektif. Sistem informasi manajemen risiko dan informasi yang management information system and the information generated
dihasilkan disesuaikan dengan karakteristik dan kompleksitas are adapted to the characteristics and complexity of the Bank’s
kegiatan usaha Bank, serta adaptif terhadap perubahan. business activities, as well as adaptive to changes.
Sistem Pengendalian Internal terhadap Internal Control System on
Penerapan Manajemen Risiko Risk Management Implementation
Bank menerapkan sistem pengendalian intern secara efektif The Bank implements an effective internal control system, which
dan mengacu kepada kebijakan dan prosedur yang ditetapkan. refers to the established policies and procedures. The principle
Prinsip pemisahan fungsi harus memadai dan dilaksanakan of separation of functions shall be adequate and implemented
secara konsisten. Sistem pengendalian internal dalam penerapan consistently. The internal control system in implementing risk
manajemen risiko sekurang-kurangnya mencakup: management must at least include:
1. Pengelolaan dan pengendalian risiko yang melekat pada 1. Managing and controlling risk inherent in the Bank’s business
kegiatan usaha Bank; activities;
2. Pelaporan keuangan dan kegiatan operasional yang akurat 2. Accurate and timely reporting of financial and operational
dan tepat waktu; activities;
3. Peningkatan kepatuhan terhadap ketentuan yang berlaku; 3. Improving compliance with applicable regulations;
4. Pengurangan dampak kerugian keuangan, penyimpangan 4. Reducing the impact of financial loss, irregularities including
termasuk kecurangan (fraud) dan pelanggaran; fraud and violation;
5. Peningkatan efektivitas organisasi dan meningkatkan 5. Improving organization effectiveness and improving cost
efisiensi biaya; efficiency;
6. Pengelolaan risiko agar tetap dalam batas toleransi 6. Managing risk in order to remain within the limits of risk
(risk tolerance) dan risk appetite sesuai ukuran dan tolerance and risk appetite according to the business size and
kompleksitas usaha; complexity;
7. Pengkajian ulang terhadap sistem informasi manajemen 7. Reviewing the risk management information system; and
risiko; dan
8. Verifikasi dan pengkajian ulang secara berkala dan 8. Verifying and reviewing material problems and actions to
berkesinambungan terhadap permasalahan yang bersifat rectify occurring problems, periodically and continuously.
material dan tindakan untuk memperbaiki permasalahan
yang terjadi.
Evaluasi terhadap efektivitas penerapan sistem pengendalian Evaluation of the effectiveness of internal control system is
internal dilakukan secara terus menerus dan berkesinambungan performed continuously and ongoing so that the Bank can
agar Bank dapat memantau dan memitigasi risiko-risiko yang monitor and mitigate the risks effectively. Such evaluation result
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dihadapi secara efektif. Hasil evaluasi tersebut dijadikan dasar is used as a basis for improving and refining the system and
untuk perbaikan dan penyempurnaan sistem ataupun kebijakan internal control policy.
pengendalian internal.
Seluruh manajemen dan karyawan Bank Victoria memiliki peran All management and employees of Bank Victoria have the role
dan tanggung jawab untuk menerapkan, mematuhi, serta and responsibility to implement, comply with, and improve the
meningkatkan sistem pengendalian internal di Bank Victoria. internal control system at Bank Victoria. This is reflected in the
Hal ini tercermin dari konsep three lines of defenses dalam concept of three lines of defenses in risk management that has
pengelolaan risiko yang telah diimplementasikan, di mana been implemented, where risk management is carried out by all
pengelolaan risiko dilakukan oleh seluruh lini organisasi. lines of the organization.
Strategi Penerapan Manajemen Risiko Risk Management Implementation Strategy
Perumusan strategi manajemen risiko Bank diselaraskan dengan Formulation of the Bank’s risk management strategy is aligned
strategi bisnis secara keseluruhan dengan memperhatikan with the overall business strategy by considering risk appetite
risk appetite dan risk tolerance melalui pengelolaan eksposur and risk tolerance through the Bank’s risk exposure management
risiko Bank sesuai dengan kebijakan dan prosedur, peraturan in accordance with policies and procedures, laws and regulations,
dan perundang-undangan, serta ketentuan lain yang berlaku. and other applicable provisions. In line with the Vision and
Sejalan dengan Visi dan Misi, Bank merumuskan strategi Mission, the Bank formulates a risk management strategy in
manajemen risiko sesuai dengan Rencana Bisnis Bank, di antaranya accordance with the Bank’s Business Plan, including developing
mengembangkan transformasi digital dan tetap menjaga kinerja digital transformation and maintaining the Bank’s business
usaha Bank yang secara umum tertuang dalam Rencana Bisnis performance, which is generally stated in the Bank’s Business
Bank dan telah disetujui oleh manajemen Bank. Plan and has been approved by the Bank management.
Penerapan strategi manajemen risiko dilakukan untuk mendukung Implementation of risk management strategy is conducted to
pencapaian Rencana Bisnis Bank, di antaranya melalui: support the achievement of the Bank’s Business Plan, among
others through:
1. Peningkatan pengelolaan risiko Bank yang berkualitas; 1. Improving the Bank’s risk management quality;
2. Penyempurnaan kebijakan atas penerapan manajemen risiko 2. Improvement of Bank risk management implementation
Bank; dan policies; and
3. Proses identifikasi, pengukuran, pemantauan, dan 3. The process of identifying, measuring, monitoring, and
pengendalian risiko di setiap jenjang organisasi. controlling risks at every level of the organization.
Strategi manajemen risiko senantiasa dilakukan Bank, baik dari The Bank constantly performs risk management strategy, either
segi struktur organisasi dan sumber daya manusia, kebijakan on the organizational structure and human resources, policy
dan prosedur, maupun sistem pendukung agar sesuai dengan and procedure, or on the supporting system to be in line with
perkembangan aktivitas perbankan yang semakin beragam dan the development of banking’s activities that are more various
kompleks. Usaha tersebut dilakukan Bank agar dapat mengelola and complex. The effort is made by the Bank in order to manage
risiko yang dihadapi, melakukan upaya pencegahan atau the risks, to prevent and mitigate, and to reserve capital to assist
mitigasi, serta mencadangkan modal, sehingga membantu Bank the Bank in planning the future direction of the business growth.
dalam merencanakan arah pertumbuhan bisnis di masa depan. Improvement and refinement of risk management are conducted
Perbaikan dan peningkatan pengelolaan dilakukan melalui: as follows:
1. Menjaga eksposur risiko secara keseluruhan (aggregate) 1. Maintaining an aggregate risk exposure or per type of risk by
maupun per jenis risiko dengan mempertimbangkan considering the interrelationships among the risks;
keterkaitan antar risiko;
2. Evaluasi dan penyempurnaan pengukuran risiko secara 2. Evaluating and refining the risk measurement on a regular
berkala atau sewaktu-waktu apabila diperlukan untuk basis or at any time as necessary to ensure conformity of
memastikan kesesuaian akurasi, kewajaran, serta prosedur accuracy, reasonableness, and procedures used to measure
yang digunakan untuk mengukur risiko; dan risks; and
3. Analisa dan evaluasi kecenderungan terhadap perubahan 3. Analyzing and evaluating trends towards changes in factors
faktor-faktor yang memengaruhi kinerja Bank, baik faktor affecting the Bank’s performance, both internal and external
internal maupun eksternal. factors.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
Pada prinsipnya, pengelolaan risiko dilakukan secara proaktif In principle, risk management is carried out proactively in order
guna mencapai pertumbuhan kinerja keuangan maupun to achieve sound and sustainable growth in financial performance
kelangsungan bisnis Bank yang sehat dan berkelanjutan serta and business continuity of the Bank and to maintain an optimal
memelihara tingkat risk adjusted return secara optimal sesuai level of risk adjusted return in accordance with the established
dengan risk appetite yang ditetapkan. risk appetite.
Struktur Tata Kelola Risiko Risk Governance Structure
Penerapan manajemen risiko bermanfaat untuk melakukan Risk management is useful to analyze the possible risks that may
analisis kemungkinan adanya risiko yang akan dihadapi saat ini be faced in the present or future. The Bank periodically reviews by
maupun yang akan datang. Dalam praktiknya, Bank secara berkala evaluating the work units. The evaluation is conducted with the
melakukan kaji ulang melalui evaluasi kepada unit kerja. Evaluasi aim of enabling the Bank to identify any potential risks that may
dilakukan dengan tujuan agar Bank mampu mengidentifikasi arise and have a significant impact. Risk management evaluation
setiap risiko yang berpotensi muncul dan berdampak signifikan. process uses risk-based approach and is performed by Risk
Proses evaluasi pelaksanaan manajemen risiko menggunakan Management, in coordination with all the work units.
pendekatan berbasis risiko dan dilakukan oleh Risk Management,
bekerja sama dengan seluruh unit kerja.
Dalam penerapannya, struktur dengan pembagian tugas dan In its application, the structure and division of tasks and
tanggung jawab dalam proses pengelolaan risiko dibagi menjadi responsibilities in risk management process are divided into 3
3 (three line of defense) yang meliputi: (three lines of defense) which include:
1. Lini 1: memiliki anggota dan mengelola risiko sehari-hari 1. Line 1: has members and manages day-to-day risks inherent
yang melekat dalam bisnis dan/atau kegiatannya, termasuk in business and/or its activities, including risk taking. This
pengambilan risiko. Termasuk mengidentifikasi, menilai, includes identifying, assessing, controlling, mitigating,
mengendalikan, memitigasi, memantau, dan melaporkan monitoring, and reporting risk exposures, as well as ensuring
eksposur risikonya dan memastikan bahwa hal tersebut that such matters are within the limits set in risk strategy, risk
dalam batasan yang telah ditetapkan dalam strategi risiko, tolerance, risk appetite, and risk management framework,
risk tolerance, risk appetite, serta kerangka kerja, kebijakan policies, and procedures. Designs and implements activities
dan prosedur manajemen risiko. Merancang dan melaksanakan and controls in end-to-end processes;
aktivitas dan kontrol dalam end-to-end process;
2. Lini 2: menetapkan dan memiliki kerangka kerja, kebijakan dan 2. Line 2: establishes and has risk management framework,
prosedur manajemen risiko untuk mengidentifikasi, menilai, policies, and procedures to identify, assess, control, mitigate,
mengendalikan, memitigasi, memantau, dan melaporkan monitor, and report on specific risks for which the function is
risiko tertentu yang menjadi tanggung jawab fungsi responsible. Provides overall risk governance and supervision
tersebut. Menyediakan tata kelola risiko dan pengawasan of risk management framework, including monitoring and
secara keseluruhan atas kerangka kerja manajemen risiko, reporting the Bank’s overall risk exposure. Reviews, analyzes,
termasuk pemantauan dan pelaporan eksposur risiko and evaluates risk assessments and risk management’
secara keseluruhan dari Bank. Mengkaji, menganalisis, dan effectiveness carried out by Line 1; and
mengevaluasi penilaian risiko serta efektivitas pengelolaan
risiko yang dilakukan oleh Lini 1; dan
3. Lini 3: menyediakan reasonable assurance melalui penilaian 3. Line 3: provides reasonable assurance through independent
independen, tinjauan dan validasi (kerangka kerja, kebijakan, assessment, review, and validation (risk management
dan perangkat manajemen risiko cukup kuat dan konsisten framework, policies, and tools are quite strong and
dengan standar peraturan yang berlaku, kontrol untuk consistent with applicable regulations’ standards, controls
memitigasi risiko sudah cukup dan efektif dijalankan oleh Lini to mitigate sufficient and effective risks implemented by Line
1, pengawasan yang memadai oleh Lini 2 terhadap Lini 1). 1, adequate supervision by Line 2 against Line 1).
Evaluasi penerapan manajemen risiko ditinjau dan Evaluation of risk management implementation is reviewed and
dikomunikasikan melalui rapat-rapat secara berkala seperti communicated through regular meetings such as through the
melalui rapat Komite Manajemen Risiko. Risk Management Committee’s meetings.
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Stress Test Stress Test
Bank melakukan stress test secara berkala dan berkelanjutan The Bank carries out stress tests periodically and continuously
untuk mengidentifikasi dan menyerap potensi risiko dari to identify and absorb potential risks from possible events or
kemungkinan kejadian atau perubahan pada kondisi-kondisi changes in future economic conditions, such as recession,
ekonomi di masa depan seperti terjadinya resesi, pasar keuangan worsening financial markets, or specific events that could cause
yang memburuk, atau peristiwa spesifik yang dapat menimbulkan economic loss to the Bank. The main purpose of stress test is to
kerugian ekonomis terhadap Bank. Tujuan utama dari stress evaluate the adequacy of Bank capital to absorb potential large
test adalah untuk mengevaluasi kecukupan modal Bank untuk losses that can arise and to identify steps that need to be taken
menyerap potensial kerugian besar yang dapat timbul dan to reduce risk and maintain capital at a safe level. In general,
untuk mengidentifikasi langkah-langkah yang perlu dilakukan the scenario in the implementation of the stress test considers
untuk mengurangi risiko dan menjaga modal pada tingkat changes in several macroeconomic variables such as interest
yang aman. Secara umum, skenario dalam pelaksanaan stress rates, inflation rates, gross domestic product, exchange rates,
test mempertimbangkan perubahan pada beberapa variabel and others. Meanwhile, stress test specifically uses assumptions
makroekonomi seperti suku bunga, tingkat inflasi, produk from the Bank’s internal, such as large-scale withdrawals or a
domestik bruto, nilai tukar, dan lainnya. Sedangkan, stress test decline in loan quality.
secara spesifik menggunakan asumsi dari internal Bank, seperti
penarikan dana besar-besaran atau penurunan kualitas kredit.
Struktur Organisasi Risk Management Risk Management Organizational Structure
Bank Victoria memiliki struktur organisasi Risk Management Bank Victoria has an adequate Risk Management organizational
yang memadai untuk mendukung penerapan manajemen risiko. structure to support the implementation of risk management.
Struktur organisasi Risk Management Bank dijelaskan sebagai The Bank’s Risk Management organizational structure is as
berikut: follows:
1. Komite Pemantau Risiko bertujuan untuk membantu 1. Risk Monitoring Committee aims to assist the Board of
Dewan Komisaris melaksanakan tugas dalam pemantauan Commissioners in performing its duties in monitoring the risk
implementasi manajemen risiko dalam rangka mengevaluasi management implementation to evaluate the implementation
pelaksanaan kebijakan manajemen risiko di tingkat eksekutif; of risk management’s policies at executive level;
2. Komite Manajemen Risiko merupakan komite eksekutif 2. The Risk Management Committee is an executive committee
di bawah Direksi yang bertanggung jawab untuk under the Board of Directors that is responsible for ensuring
memastikan efektivitas kerangka kerja manajemen risiko the effectiveness of risk management framework and
dan implementasi dalam mendukung strategi bisnis. implementation in supporting business strategy. Risk
Komite Manajemen Risiko juga bertanggung jawab untuk Management Committee is also responsible for evaluating
mengevaluasi dan merekomendasikan kebijakan manajemen and recommending risk management policies, strategies,
risiko, strategi, risk appetite, toleransi risiko, limit risiko, risk appetite, risk tolerance, risk limits, risk management
kerangka kerja manajemen risiko, dan rencana kontingensi framework, and contingency plans to anticipate abnormal
untuk mengantisipasi kondisi abnormal, serta memastikan conditions, as well as ensuring risk exposure for all types of
eksposur risiko untuk semua jenis risiko di Bank tetap sesuai risk in the Bank remains appropriate with risk appetite;
dengan risk appetite;
3. Komite Kredit merupakan suatu komite yang beranggotakan 3. Credit Committee is a committee consisting of authority
pemegang kewenangan kredit/pemegang kewenangan holders of credit/authority holders to terminate credit,
untuk melakukan pemutusan kredit termasuk restrukturisasi including credit restructuring, that represents the function
kredit yang mewakili fungsi Business Unit/Special Asset of Business Unit/Special Asset Management (SAM) Unit and
Management (SAM) Unit dan Credit Risk Review Unit, di mana Credit Risk Review Unit, in which the authority to terminate
kewenangan memutus kredit tersebut melekat pada individu credit is attached to individual who has ability, competence,
yang memiliki kemampuan, kompetensi, dan integritas; and integrity;
4. Komite Kebijakan Perkreditan merupakan komite 4. Credit Policy Committee is a committee that assists the
yang membantu Direksi dalam merumuskan kebijakan Board of Directors in formulating the Bank’s credit policy,
perkreditan Bank agar pemberian kredit dilakukan dengan so as credit provision is carried out carefully, monitoring and
hati-hati, memantau dan mengevaluasi pelaksanaan evaluating the implementation of the established Bank’s
kebijakan perkreditan Bank yang telah dibuat, memonitor credit policies, monitoring the development and condition
perkembangan dan kondisi portofolio kredit, serta of credit portfolio, and providing suggestions or solutions
memberikan saran ataupun solusi sebagai langkah perbaikan as improvement steps in the future. The Credit Policy
ke depannya. Komite Kebijakan Perkreditan bertanggung Committee is responsible for supervising and approving
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
jawab untuk mengawasi dan menyetujui kebijakan, prosedur credit risk policies, procedures, and parameters, as well as
dan parameter risiko kredit, serta mengawasi pengelolaan overseeing the management and implementation of credit
dan pelaksanaan kebijakan risiko kredit; dan risk policies; and
5. Risk Management/Integrated merupakan satuan 5. The Risk Management/Integrated is an independent work
kerja independen terhadap satuan kerja operasional unit against the operational work unit (risk-taking unit) and
(risk taking unit) dan satuan kerja yang melaksanakan fungsi a work unit that performs internal control function that is
pengendalian internal yang bertanggung jawab kepada responsible to the Director in charge of risk management.
Direktur yang membawahi manajemen risiko.
Uraian lengkap terkait Komite Pemantau Risiko, Komite Complete description regarding the Risk Monitoring Committee,
Manajemen Risiko, Komite Kredit, dan Komite Kebijakan Risk Management Committee, Credit Committee, and Credit
Perkreditan dapat dilihat pada bab Tata Kelola Perusahaan Policy Committee can be seen in the Corporate Governance
dalam Laporan Tahunan ini. chapter in this Annual Report.
Risk Management/Integrated Risk Management/Integrated
Risk Management/Integrated merupakan satuan kerja The Risk Management/Integrated is an independent work unit
independen terhadap satuan kerja operasional dan satuan against operational work units and a work unit performing
kerja yang melaksanakan fungsi pengendalian internal. internal control functions. The Risk Management/Integrated is
Risk Management/Integrated dipimpin oleh seorang Kepala led by a Division Head who is directly responsible to the Director
Divisi dan bertanggung jawab langsung kepada Direktur of Compliance and Risk Management. The Risk Management/
Kepatuhan dan Manajemen Risiko. Risk Management/ Integrated partners with all business units and supporting units
Integrated bekerja sama dengan seluruh unit bisnis dan to build a comprehensive process of identification, measurement,
unit pendukung untuk membangun secara komprehensif monitoring, control of risk and information systems. The Risk
dalam melakukan proses identifikasi, pengukuran, Management/Integrated becomes a strategic partner of the
pemantauan, pengendalian risiko dan sistem informasi, business units to optimize revenue and minimize potential losses
Risk Management/Integrated menjadi mitra strategis dari from the Bank’s operational functional activities.
unit-unit bisnis guna mengoptimalkan pendapatan dan
meminimalisir potensi kerugian dari aktivitas fungsional
operasional Bank.
Pedoman Risk Management/Integrated Risk Management/Integrated Guidelines
Dalam melaksanakan tugas dan tanggung jawabnya, In performing its duties and responsibilities, the Risk
Risk Management/Integrated mengacu kepada Kebijakan dan Management/Integrated refers to Bank Victoria’s General Risk
Pedoman Umum Manajemen Risiko Bank Victoria pada tanggal Management Policy and Guidelines on 30 September 2022,
30 September 2022 yang telah dikinikan menjadi mengenai updated to the General Risk Management Policy and Guidelines
pedoman Kebijakan dan Pedoman Umum Manajemen Risiko (Main Risk Management Framework Policy) on 31 January 2024.
(Kebijakan Utama Kerangka Kerja Manajemen Risiko) pada tanggal
31 Januari 2024.
Tugas dan Tanggung Jawab Duties and Responsibilities of
Risk Management/Integrated Risk Management/Integrated
Tugas dan tanggung jawab Risk Management/Integrated The duties and responsibilities of the Risk Management/
meliputi: Integrated include:
1. Memantau pelaksanaan strategi manajemen risiko yang 1. Monitoring the implementation of risk management strategy
telah disetujui oleh Direksi; that has been approved by the Board of Directors;
2. Mengawasi dan menguji aktivitas pengambilan risiko dan 2. Supervise and examine risk taking activities and risk
rencana remediasi risiko yang dibuat oleh Lini 1, termasuk remediation plans created by Line 1, including new bank
penyelenggaraan produk baru bank serta membuat products, and make recommendations or decisions to
rekomendasi atau keputusan untuk menyetujui atau menolak approve or reject activities/products as needed;
aktivitas/produk sesuai kebutuhan;
3. Mengkaji ulang secara berkala terhadap proses manajemen 3. Periodically review the risk management process;
risiko;
4. Memastikan dan memantau posisi risiko secara keseluruhan 4. Ensure and monitor the overall risk position (composite), per
(composite), per jenis risiko, dan per jenis aktivitas fungsional type of risk, and per type of functional activity in line with risk
sejalan dengan risk appetite dan risk tolerance, serta appetite and risk tolerance, and perform stress testing;
melakukan stress testing;
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5. Memberikan rekomendasi kepada satuan kerja operasional 5. Providing recommendation to the operational work
(risk taking unit) dan/atau kepada Komite Manajemen unit (risk taking unit) and/or to the Risk Management
Risiko sesuai kewenangan yang dimiliki, antara lain memuat Committee, in accordance with its authority, among others,
rekomendasi yang terkait dengan besaran atau maksimum recommendations related to the amount or maximum risk
eksposur risiko yang wajib dipelihara oleh Bank; exposure that must be maintained by the Bank;
6. Menyusun dan menyampaikan laporan profil risiko kepada 6. Preparing and delivering the risk profile report to the
Direktur Utama atau Direktur yang ditugaskan secara khusus, President Director or Director specifically in charge of, and
juga kepada Komite Manajemen Risiko secara berkala; dan also the Risk Management Committee periodically; and
7. Melakukan evaluasi terhadap keakuratan model dan validitas 7. Evaluate the model accuracy and data validity used in
data yang digunakan dalam mengukur risiko untuk keperluan measuring risk for internal purposes.
internal.
Profil Kepala Divisi Risk Management/Integrated Profile of Head of Risk Management/Integrated
Division
Dasar Pengangkatan dan Periode Menjabat Basis of Appointment and Term of Office
Keputusan Direksi No. 001/SK-DIR/HCM/08/23 Board of Directors’ Decision No. 001/SK-DIR/
SAM R SOELAEMAN
tanggal 1 Agustus 2023. HCM/08/23 dated 1 August 2023.
Kepala Divisi Risk Management/Integrated Riwayat Pendidikan Education
Head of Risk Management/Integrated Division Magister Manajemen dari Universitas Pancasila Master of Management from Universitas
Jakarta (2003). Pancasila Jakarta (2003).
Kewarganegaraan Rangkap Jabatan Concurrent Positions
Nationality Di dalam Bank Victoria: In Bank Victoria:
Indonesia / Indonesian Tidak ada. None.
Tempat Lahir Di luar Bank Victoria: Outside of Bank Victoria:
Place of Birth Tidak ada. None.
Cianjur
Riwayat Jabatan History of Positions
Usia
Memiliki pengalaman kerja dalam industri Has work experience in banking industry since
Age
perbankan sejak tahun 1990 dan memegang 1990 and has held several important positions
58 tahun / years old
beberapa posisi penting di antaranya: including:
Domisili · Forex Trader PT ASEAM Indonesia (1990-1992); · Forex Trader at PT ASEAM Indonesia (1990-
Domicile 1992);
Bogor · Treasury PT Bank Rama (1992-2001); · Treasury at PT Bank Rama (1992-2001);
· Pemeriksa Specialist Treasury dan Manajemen · Treasury and Risk Management Specialist
Risiko Bank Indonesia (2001-2004); dan Examiner at Bank Indonesia (2001-2004); and
· Head of Market, Liquidity, & Treasury Credit Risk · Head of Market, Liquidity, & Treasury Credit
Management PT Bank Maybank Indonesia Tbk Risk Management at PT Bank Maybank
(2005-2022). Indonesia Tbk (2005-2022).
Sertifikasi Certification
· International Certificate in Banking Risk and · International Certificate in Banking Risk
Regulation (ICBRR) dari Global Association and Regulation (ICBRR) from the Global
of Risk Professional - Badan Sertifikasi Association of Risk Professional - Risk
Manajemen Risiko (GARP-BSMR) (2009); dan Management Certification Agency (GARP-
BSMR) (2009); and
· Sertifikasi Manajemen Risiko Level 6 dari · Risk Management Certification Level 6 from
Lembaga Sertifikasi Profesi Perbankan (2023- Banking Professional Certification Institute
2026). (2023-2026).
Hubungan Afiliasi Affiliation Relationship
Tidak memiliki hubungan afiliasi dengan Does not have any affiliation with members
anggota Dewan Komisaris, anggota Direksi, serta of Board of Commissioners, members of
Pemegang Saham Utama dan Pengendali. Board of Directors, and Main and Controlling
Shareholders.
Laporan Singkat Pelaksanaan Kegiatan Tugas Brief Report on the Implementation of
Risk Management/Integrated Tahun 2023 Risk Management/Integrated’ Duties in 2023
Di tahun 2023, Risk Management/Integrated telah melaksanakan In 2023, the Risk Management/Integrated carried out its duties
beberapa kegiatan yang menjadi tugas dan tanggung jawabnya, and responsibilities, namely:
yaitu:
1. Melakukan kaji ulang terhadap profil risiko, faktor rentabilitas, 1. Reviewing the risk profile, earnings factor, capital factor, and
faktor permodalan, dan eksposur risiko yang melekat pada risk exposure inherent in the Operational Unit;
Satuan Kerja Operasional;
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
2. Melakukan evaluasi dan menginikan kebijakan dan strategi 2. Evaluating and updating risk management policies and
manajemen risiko menjadi Risk Management Framework yang strategies into Risk Management Framework approved by the
telah disetujui oleh Direksi melalui Komite Manajemen Risiko; Board of Directors through the Risk Management Committee;
3. Memantau eksposur risiko dan kepatuhan terhadap toleransi 3. Monitoring risk exposure and compliance with the established
risiko dan limit yang telah ditetapkan, di antaranya melalui risk tolerances and limits, including through reports and the
laporan maupun Komite Manajemen Risiko, serta melakukan Risk Management Committee, as well as conducting stress
stress testing; testing;
4. Melakukan kajian untuk usulan penyelenggaraan produk 4. Reviewing proposed new products of the Bank;
baru bank;
5. Menyusun dan menyampaikan laporan-laporan terkait 5. Preparing and submitting reports related to risk management
manajemen risiko sesuai dengan peraturan yang berlaku, in accordance with the applicable regulations, both to
baik kepada pihak internal maupun regulator secara berkala; internal parties and regulators, on a regular basis; and
dan
6. Membuat beberapa kebijakan baru terkait dengan 6. Creating several new policies related to market risk
pengelolaan risiko pasar. management.
Pelatihan dan/atau Peningkatan Risk Risk Management/Integrated Training and/or
Management/Integrated Development Programs
Selama tahun 2023, Risk Management/Integrated telah Throughout 2023, the Risk Management/Integrated attended
mengikuti pelatihan dan/atau peningkatan kompetensi sebagai training and/or competency developments as follows:
berikut:
1. Sosialisasi Kebijakan Risk Register (oleh Bank Victoria); 1. Dissemination of Risk Register Policy (by Bank Victoria);
2. Expert Sharing Session - Keuangan Berkelanjutan (oleh 2. Expert Sharing Session - Sustainable Finance (by Otoritas
Otoritas Jasa Keuangan Institute); Jasa Keuangan Institute);
3. Induction Training Program (oleh Bank Victoria); dan 3. Induction Training Program (by Bank Victoria); and
4. Team Building dan Outbond: Change the Future (oleh 4. Team Building and Outbound: Change the Future (by Bank
Bank Victoria). Victoria).
Sertifikasi Manajemen Risiko Risk Management Certification
Bank telah melibatkan jajaran manajemen dalam program The Bank involved the management in a risk management
sertifikasi manajemen risiko dan menyelenggarakan pelatihan certification program, also conducted refreshment training
penyegaran bagi yang telah lulus program sertifikasi manajemen for those who have passed the risk management certification
risiko. Informasi terkait sertifikasi manajemen risiko di tahun program. The information related to risk management
2023 sebagai berikut: certification in 2023 is as follows:
Dewan Komisaris Direksi Pejabat Eksekutif Lain-Lain
Level Total
Board of Commissioners Board of Directors Executive Officers Others
I - - 1 177 178
II 1 - 2 63 66
III - - 14 31 45
IV - - 8 6 14
V 2 5 2 - 9
Total 3 5 27 277 312
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Pengungkapan Eksposur Risiko
Disclosure of Risk Exposure
Bank menyadari bahwa risiko dapat memengaruhi kegiatan The Bank recognizes that risks can affect business activities and
usaha, meningkatkan kebutuhan praktik GCG, termasuk fungsi increase the needs for GCG practices, including risk identification,
identifikasi, pengukuran, pemantauan, dan pengendalian risiko. measurement, monitoring, and control functions. Bank risk
Pengelolaan risiko Bank dipengaruhi oleh faktor-faktor internal management is influenced by internal and external factors which
dan eksternal yang mencakup namun tidak terbatas pada include but are not limited to the Bank’s business operations and
operasional bisnis Bank dan ketentuan regulator. regulatory provisions.
Risiko Kredit Credit Risk
Risiko kredit merupakan risiko kegagalan pihak lain dalam Credit risk is the risk of failure of other parties in fulfilling
memenuhi kewajiban kepada Bank, termasuk risiko kredit akibat obligations to the Bank, including credit risk due to debtor failure,
kegagalan debitur, risiko konsentrasi kredit, counterparty credit credit concentration risk, counterparty credit risk, settlement
risk, settlement risk, dan country risk. risk, and country risk.
Tujuan dari manajemen risiko kredit adalah untuk memastikan The credit risk management is aimed to ensure that the Bank’s
aktivitas penyediaan dana Bank tidak terekspos pada risiko kredit fund provision activities are not exposed to credit risk which
yang dapat menimbulkan kerugian pada Bank. could cause losses to the Bank.
Pengungkapan Eksposur Manajemen Risiko Kredit Disclosure of Credit Risk Management Exposure
1. Risiko Kredit secara Umum (CRA) 1. General Credit Risk (CRA)
a. Model Bisnis tercermin dalam Komponen Profil Risiko a. Business Model is reflected in the Bank’s Credit Risk
Kredit Bank Profile Component
Penerapan manajemen risiko Bank untuk risiko kredit The Bank’s risk management implementation for credit
secara prinsip mengacu pada peraturan regulator dan risk in principle refers to the applicable regulatory
ketentuan yang berlaku serta market practices yang regulations and provisions, as well as market practices
disesuaikan dengan tujuan, kebijakan, ukuran, dan adapted to the objectives, policies, size, and complexity
kompleksitas bisnis Bank untuk mencapai pertumbuhan of the Bank’s business, in order to achieve healthy
bisnis yang sehat dan berkelanjutan serta menjaga agar and sustainable business growth and ensure that it
dapat menghasilkan return yang optimal sesuai dengan can produce optimal returns in accordance with the
risk appetite dan risk tolerance yang telah ditetapkan. established risk appetite and risk tolerance.
Dalam menjalankan strategi Bank sejalan dengan visi In carrying out the Bank’s strategy in line with vision
dan misi sebagai acuan dalam mengambil keputusan and mission as a reference in making decisions and
serta menjalankan kegiatan operasional Bank, strategi carrying out the Bank’s operational activities, the credit
manajemen risiko kredit yang dilakukan oleh Bank untuk risk management strategy carried out by the Bank to
menjaga risiko kredit, di antaranya sebagai berikut: maintain credit risk, includes the following:
1) Bank menjaga tingkat risiko kredit dengan mitigasi 1) The Bank maintains credit risk levels with adequate
yang memadai untuk mencapai tujuan strategis; dan mitigation to achieve strategic objectives; and
2) Pertumbuhan/peningkatan portofolio kredit dengan 2) Growth/increase in credit portfolio with due
memperhatikan kecukupan modal dalam kondisi observance of the capital adequacy in normal
normal dan skenario stress. conditions and stress scenarios.
Strategi manajemen risiko disusun untuk memastikan Risk management strategy is prepared to ensure that
bahwa eksposur risiko dikelola secara terkendali sesuai risk exposure is managed in a controlled manner in
dengan kebijakan kredit, prosedur internal, peraturan accordance with credit policies, internal procedures,
dan perundang-undangan, serta ketentuan lain yang rules and regulations, and other applicable provisions.
berlaku.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
b. Kebijakan Manajemen Risiko untuk Risiko Kredit dan b. Risk Management Policy for Credit Risk and Credit Risk
Limit Risiko Kredit Limit
Kebijakan manajemen risiko untuk risiko kredit merupakan Risk management policy for credit risk is written direction
arahan tertulis dalam menerapkan manajemen risiko in implementing risk management for credit risk by
untuk risiko kredit dengan memperhatikan karakteristik considering business activities’ characteristics and
dan kompleksitas kegiatan usaha, tingkat risiko yang complexity, level of risk to be taken and risk tolerance,
akan diambil dan toleransi risiko, profil risiko serta risk profile and regulations set by authorities and/or
peraturan yang ditetapkan otoritas dan/atau praktik sound banking practices, as in including controlling credit
perbankan yang sehat, seperti di antaranya pengendalian concentration risk and/or by diversifying credit portfolio
risiko konsentrasi kredit dan/atau dengan melakukan and spreading risks arising from various industrial sectors
diversifikasi portofolio kredit dan penyebaran risiko yang or economic sector. Regarding this matter, the Bank
timbul dari berbagai sektor industri atau sektor ekonomi. conducts:
Terkait hal ini, Bank di antaranya melakukan:
1) Penetapan limit berdasarkan sektor ekonomi atas 1) Establishment of limit based on the economic sector
analisa makro ekonomi dan karakteristik Bank; of the macroeconomic analysis and the Bank’s
characteristics;
2) Analisa risiko konsentrasi kredit dilakukan 2) Credit concentration risk analysis is conducted
sesuai portofolio yang dikelola Bank dengan according to the portfolio managed by the Bank by
mempertimbangkan berbagai dampak perubahan considering various impacts of changes in economic
dari indikator ekonomi yang dapat memengaruhi indicators that can affect lending on certain
pemberian kredit pada sektor ekonomi tertentu; dan economic sector; and
3) Analisa pergerakan kualitas kredit seperti 3) Analysis of credit quality movements, such as non-
non-performing loan. performing loans.
Penetapan limit dilakukan secara komprehensif atas Limit is established comprehensively for all aspects
seluruh aspek yang terkait dengan risiko, yang mencakup related to risk, which includes limits per Bank business
limit per aktivitas bisnis Bank. Limit digunakan sebagai activity. Limits are used as thresholds to determine the
ambang batas untuk menentukan tingkat intensitas level of risk mitigation intensity to be implemented by
mitigasi risiko yang akan dilaksanakan manajemen. the management.
c. Struktur Organisasi Manajemen Risiko Kredit c. Organizational Structure of Credit Risk Management
Penerapan manajemen risiko kredit di Bank Victoria The implementation of credit risk management at
dilakukan melalui desain struktur organisasi yang Bank Victoria is carried out through the design of an
menggambarkan keterlibatan seluruh pihak yang terkait organizational structure that describes the involvement
manajemen risiko kredit sebagai berikut: of all parties related to credit risk management as follows:
1) Dewan Komisaris berperan dalam menyetujui rencana 1) The Board of Commissioners plays a role in approving
kredit tahunan Bank dan mengawasi pelaksanaannya, the Bank’s annual credit plan and supervising its
menyetujui kebijakan perkreditan Bank, meminta implementation, approving the Bank’s credit policy,
penjelasan dan tanggung jawab kepada Direksi asking for explanation and accountability from the Board
jika dalam pelaksanaan pemberian kredit terdapat of Directors if there is a deviation from the stipulated
penyimpangan dari kebijakan yang telah ditetapkan; policy in the provision of credit;
2) Direksi berperan dalam menyusun rencana dan 2) The Board of Directors plays a role in preparing credit
kebijakan perkreditan, memastikan kepatuhan Bank plans and policies, ensuring the Bank’s compliance
terhadap ketentuan perundang-undangan dan with the laws and regulations applicable in credit
peraturan yang berlaku di bidang perkreditan dan sector and credit policies, and reporting to the Board
kebijakan perkreditan, serta melaporkan kepada of Commissioners on credit plan implementation,
Dewan Komisaris mengenai pelaksanaan rencana irregularities in the implementation of credit extension,
perkreditan, penyimpangan dalam pelaksanaan development of credit and credit portfolio quality under
pemberian kredit, perkembangan kualitas portofolio special mention or nonperforming;
kredit dan kredit dalam pengawasan khusus atau
bermasalah;
3) Lini Pertahanan Pertama, terdiri dari Divisi Bisnis, 3) The First Line of Defense, consists of the Business Division,
Divisi Credit Risk Review, Divisi Loan & Trade Credit Risk Review Division, Loan & Trade Operations
Operations, dan Divisi Special Asset Management. Lini Division, and Special Asset Management Division. The
Pertahanan Kedua terdiri dari Divisi Credit Monitoring Second Line of Defense consists of the Credit Monitoring
dan Collection dan Divisi Corporate Legal; and Collection Division and Corporate Legal Division;
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4) Credit Legal Unit; Divisi Compliance and System 4) Credit Legal Unit; Compliance Division, and System
Procedure; dan Divisi Risk Management/Integrated; Procedure; and Risk Management/Integrated Division;
dan and
5) Lini Pertahanan Ketiga adalah Divisi SKAI & Anti 5) The Third Line of Defense is the SKAI & Anti-Fraud
Fraud. Division.
Selain itu, Bank juga dibantu oleh komite-komite Furthermore, the Bank is also assisted by executive
eksekutif seperti: committees such as:
1) Komite Kredit; 1) Credit Committee;
2) Komite Kebijakan Perkreditan; dan 2) Credit Policy Committee; and
3) Komite Manajemen Risiko. 3) Risk Management Committee.
d. Hubungan antara Fungsi Manajemen Risiko untuk Risiko d. Relationship between Risk Management Function for Credit
Kredit, Pengendalian Risiko, Kepatuhan, dan Audit Internal Risk, Risk Control, Compliance, and Internal Audit
Penerapan manajemen risiko bermanfaat untuk Risk management is useful to analyze the possible risks
melakukan analisis kemungkinan adanya risiko yang that may be faced in the present or future, with the aim of
akan dihadapi saat ini maupun yang akan datang dengan enabling the Bank to identify any potential risks that may
tujuan agar Bank mampu mengidentifikasi setiap risiko arise and have a significant impact.
yang berpotensi muncul dan berdampak signifikan.
Secara internal, efektivitas penerapan manajemen Internally, the effectiveness of credit risk management
risiko kredit juga didukung oleh unit independen lainnya implementation is also supported by other independent
seperti Compliance dan SKAI & Anti Fraud. Dalam hal units, such as the Compliance and SKAI & Anti-Fraud. In
ini, Compliance melakukan fungsinya untuk memastikan this matter, the Compliance performs its function to ensure
kebijakan dan penerapan manajemen risiko telah sesuai that risk management policies and implementation are
ketentuan yang berlaku. Sementara itu, SKAI & Anti Fraud in accordance with the applicable regulations. Whereas,
secara rutin melakukan peninjauan ulang dan audit terhadap the SKAI regularly reviews and audits the Bank’s risk
penerapan manajemen risiko Bank berdasarkan risk-based management implementation on a risk-based audit principle
audit dengan tujuan sebagai pengendalian internal serta with the objective as internal control and continuous
perbaikan penerapan manajemen risiko secara terus improvement of risk management implementation.
menerus. Adapun evaluasi efektivitas sistem manajemen The risk management system effectiveness is externally
risiko secara eksternal dilakukan oleh auditor eksternal evaluated by external auditors and regulators. Evaluation
maupun regulator. Evaluasi penerapan manajemen risiko of risk management implementation is reviewed and
ditinjau dan dikomunikasikan melalui rapat-rapat secara communicated through regular meetings, such as through
berkala, seperti melalui rapat Komite Manajemen Risiko. the Risk Management Committee’s meetings.
e. Cakupan dan Informasi Utama dari Pelaporan Eksposur e. Scope and Key Information from the Reporting of Credit
Risiko Kredit dan Fungsi Manajemen Risiko untuk Risk Exposure and Risk Management Function for Credit
Risiko Kredit kepada Direksi dan Dewan Komisaris Risk to the Board of Directors and Board of Commissioners
Pengungkapan eksposur risiko kredit dengan pendekatan Disclosure of credit risk exposure with a standardized
standar risiko kredit berpedoman pada Peraturan approach of credit risk refers to the Financial Services
Otoritas Jasa Keuangan No. 27 Tahun 2022 tentang Authority Regulation No. 27 of 2022 on Second
Perubahan Kedua atas Peratuan Otoritas Jasa Keuangan Amendment to Financial Services Authority Regulation
No. 11/POJK.03/2016 tentang Kewajiban Penyediaan No. 11/POJK.03/2016 on Capital Adequacy Ratio for
Modal Minimum bagi Bank Umum dan Surat Edaran Commercial Banks and Financial Services Authority
Otoritas Jasa Keuangan No. 48/SEOJK.03/2017 tentang Circular No. 48/SEOJK.03/2017 on Guidelines for
Pedoman Perhitungan Tagihan Bersih Transaksi Derivatif Calculating Net Receivables for Derivative Transactions
dalam Perhitungan Aset Tertimbang Menurut Risiko in Calculating Risk-Weighted Assets for Credit Risk by
untuk Risiko Kredit dengan Menggunakan Pendekatan Using a Standardized Approach, and Financial Services
Standar, dan Surat Edaran Otoritas Jasa Keuangan Authority Circular No. 24/SEOJK.03/2021 on Guidelines
No. 24/SEOJK.03/2021 Pedoman Perhitungan Aset for Calculating Risk-Weighted Assets for Credit Risk by
Tertimbang Menurut Risiko untuk Risiko Kredit dengan Using Standardized Approach for Commercial Banks.
Menggunakan Pendekatan Standar bagi Bank Umum.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
Terkait pengungkapan, Bank senantiasa menerapkan Regarding disclosure, the Bank always implements
kebijakan dan mengedepankan prinsip kehati-hatian policies and prioritizes the prudential principles in
dalam mitigasi risiko kredit. Dalam hal ini, Bank telah mitigating credit risk. Regarding this matter, the Bank
memuat informasi berikut dalam Lampiran Pengungkapan has included the following information in the Appendix
Kuantitatif Eksposur Risiko untuk CRA: on Quantitative Disclosure of Risk Exposure for CRA:
1) Tabel Pengungkapan Kualitas Kredit atas Aset (CR1); 1) Table of Disclosure of Credit Quality over Asset (CR1);
2) Tabel Pengungkapan Mutasi Kredit dan Surat Berharga 2) Table of Disclosure of Changes in Matured Loans and
yang telah Jatuh Tempo (CR2); Securities (CR2);
3) Tabel Pengungkapan Kuantitatif terkait Teknik MRK 3) Table of Disclosure of Quantitative related to MRK
(CR3); Techniques (CR3);
4) Tabel Pengungkapan Eksposur Risiko Kredit dan 4) Table of Disclosure of Credit Risk Exposure and
Dampak Teknik MRK (CR4); dan Impact of MRK Techniques (CR4); and
5) Tabel Pengungkapan Eksposur berdasarkan Kelas Aset 5) Table of Disclosure of Exposure by Asset Class and
dan Bobot Risiko (CR5). Risk Weight (CR5).
2. Pengungkapan Tambahan terkait Kualitas Kredit atas Aset 2. Additional Disclosures regarding Credit Quality over Asset
(CRB) (CRB)
a. Tagihan yang Jatuh Tempo dan Tagihan yang Mengalami a. Matured Receivables and Impaired Receivables
Penurunan Nilai/Impairment
Bank menerapkan kebijakan tentang tagihan yang jatuh The Bank implements policies regarding due receivables
tempo dan tagihan yang mengalami penurunan nilai and impaired receivables, which include:
atau impairment, yang meliputi:
1) Tagihan yang telah jatuh tempo, merupakan tagihan 1) Matured receivable is a bill that has been overdue
yang telah jatuh tempo lebih dari 90 hari, baik atas more than 90 days, either on the payments of
pembayaran pokok dan/atau pembayaran bunga; dan principal and/or interest; and
2) Tagihan yang mengalami penurunan nilai, yaitu suatu 2) Impaired receivable is a condition in which there is
kondisi, di mana terdapat bukti objektif terjadinya objective evidence of an adverse event occurring as
peristiwa yang merugikan sebagai akibat dari satu a result of one or more events occurring after the
atau lebih peristiwa yang terjadi setelah pengakuan initial recognition of such credit, and such adverse
awal kredit tersebut, dan peristiwa yang merugikan event has an impact on the estimated future cash
tersebut berdampak pada estimasi arus kas masa flow of a financial asset or group of financial assets
datang atas aset keuangan atau kelompok aset that can be estimated reliably.
keuangan yang dapat diestimasi secara andal.
b. Pendekatan yang Digunakan dalam Pembentukan b. Approach Used in the Formation of Allowance for
Cadangan Kerugian Penurunan Nilai Impairment Losses
Dalam mengestimasi Cadangan Kerugian Penurunan In estimating Allowance for Impairment Losses
Nilai (CKPN) atas aset keuangan, Bank telah menerapkan (CPKN) on financial assets, the Bank has implemented
Pernyataan Standar Akuntansi Keuangan (PSAK) 71 Statement of Financial Accounting Standard (PSAK) 71
tentang “Instrumen Keuangan” sejak tanggal 1 Januari on “Financial Instrument” since 1 January 2020. PSAK
2020. Dalam PSAK 71 ini memperkenalkan metode 71 introduces a method for the expected credit losses in
kerugian kredit ekspektasian dalam mengukur kerugian measuring financial instrument losses due to impairment
instrumen keuangan akibat penurunan nilai instrumen of financial instruments, which is the convergence of
keuangan yang merupakan konvergensi International International Financial Accounting Standard 9 - Financial
Financial Accounting Standard 9 – Financial Instrument di Instruments in Indonesia, and in PSAK 71, the principle of
Indonesia, di mana dalam PSAK 71 menggunakan prinsip Forward-Looking Expected Credit Loss (ECL) is used.
Forward-Looking Expected Credit Loss (ECL).
Permodelan parameter yang digunakan Bank seperti The modeling parameters used by the Bank, such as
probability of default, loss given default, dan exposure probability of default, loss given default, and exposure at
at default komponen perhitungan kerugian kredit default, are components for calculating expected credit
ekspektasian. losses.
Dalam menghitung kerugian kredit ekspektasian, In calculating the expected credit losses, the Bank
Bank memperhitungkan pengaruh dari beberapa calculates the effects of several macroeconomic
macroeconomic forecast dalam permodelan impairment forecasts in the impairment modeling in PSAK 71.
di PSAK 71.
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CKPN dalam PSAK 71 memiliki 3 (tiga) stages berdasarkan CKPN in PSAK 71 has 3 (three) stages based on level of
tingkat risiko dari rendah hingga tinggi yang diklasifikasi risk from low to high which are classified as follows:
sebagai berikut:
1) Stage 1 (Performing) 1) Stage 1 (Performing)
Tidak ada peningkatan risiko kredit dan aset There is no increase in credit risk and financial assets.
keuangan. Contohnya, pinjaman yang tidak pernah For example, a loan that is never late in payment.
terlambat dalam pembayaran. Expected Credit Loss Expected Credit Loss (ECL) is estimated within 12
(ECL) diperkirakan dalam waktu 12 bulan. months;
2) Stage 2 (Under-Performing) 2) Stage 2 (Under-Performing)
Risiko kredit dan aset keuangan meningkat signifikan. Credit risk and financial assets have increased
Contohnya, pinjaman yang telah terlambat dalam significantly. For example, a loan that is overdue
pembayaran lebih dari 30 hari, tapi belum masuk by more than 30 days, but has not met the Stage 3
dalam kriteria stage 3. Expected Credit Loss (ECL) criteria. Expected Credit Loss (ECL) is estimated up
diperkirakan hingga waktu jatuh tempo akhir to the final maturity time (lifetime).
(lifetime).
3) Stage 3 (Non-Performing) 3) Stage 3 (Non-Performing)
Kredit dan aset keuangan yang mengalami penurunan Loans and financial assets that have experienced a
nilai dengan tajam disertai riwayat keterlambatan sharp impairment accompanied by a history of late
pembayaran. Expected Credit Loss (ECL) diakui hingga payments. Expected Credit Loss (ECL) is recognized
waktu jatuh tempo akhir (lifetime). up to the final maturity time (lifetime).
Dalam hal ini, Bank telah memuat informasi berikut dalam Regarding this matter, the Bank has included the
Lampiran Pengungkapan Kuantitatif Eksposur Risiko following information in the Appendix on Quantitative
untuk CRB: Disclosure of Risk Exposure for CRB:
1) Tabel Pengungkapan Tagihan Bersih berdasarkan 1) Table of Disclosure of Net Receivables by Area of the
Wilayah Bank secara Individual; Bank, Individually;
2) Tabel Pengungkapan Tagihan Bersih berdasarkan 2) Table of Disclosure of Net Receivables by Remaining
Sektor Ekonomi Bank secara Individual; Contract Period of the Bank, Individually;
3) Tabel Pengungkapan Tagihan Bersih berdasarkan 3) Table of Disclosure of Net Receivables by Economic
Sisa Jangka Waktu Kontrak secara Individual; Sector of the Bank, Individually;
4) Tabel Pengungkapan Tagihan dan Pencadangan 4) Table of Disclosure of Receivables and Allowances by
berdasarkan Wilayah Bank secara Individual; Area of the Bank, Individually;
5) Tabel Pengungkapan Tagihan dan Pencadangan 5) Table of Disclosure of Receivables and Allowances by
berdasarkan Sektor Ekonomi Bank secara Individual; Economic Sector of the Bank, Individually; and
dan
6) Tabel Pengungkapan Tagihan berdasarkan Hari 6) Table of Disclosure of Receivables by Days Past Due.
Tunggakan.
3. Pengungkapan Tambahan terkait Perlakuan terhadap Aset 3. Additional Disclosures regarding Treatment of Non-
Bermasalah (CRB-A) Performing Assets (CRB-A)
a. Aset Non-Performing a. Non-Performing Assets
Aset non-performing merupakan aset dengan kualitas Non-performing assets are assets of substandard,
kurang lancar, diragukan, dan macet yang umumnya terjadi doubtful, and loss, which generally occur in credit
pada kegiatan perkreditan. Penyelesaian aset bermasalah activities. Settlement of non-performing assets for
bagi debitur dilakukan sesuai dengan pola pengelolaan debtors is carried out in accordance with management
dan penyelesaian sesuai ketentuan yang berlaku. Aset and settlement patterns with due observance of the
yang telah dikategorikan bermasalah ditangani melalui applicable regulations. Assets categorized as non-
pembinaan, penyelamatan, serta penyelesaian secara performing are handled through couching, rescue, and
sukarela. Pelaporan aset bermasalah dilakukan oleh divisi voluntary settlement. Reporting of non-performing assets
Special Asset Management. is carried out by the Special Asset Management division.
Dalam usahanya, Bank melakukan penanganan aset In its business, the Bank handles non-performing assets
bermasalah secara persuasif serta menghindari risiko persuasively and avoids risks to the Bank’s reputation,
reputasi Bank, maka sebelum melakukan tindakan- thus, the debtor is first summoned by using a maximum
tindakan lebih lanjut dilakukan pemanggilan atas debitur of 3 (three) warning letters prior to taking further actions.
terlebih dahulu dengan menggunakan surat peringatan
maksimal 3 (tiga) kali.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
Kategori kredit korporasi pada Bank terbagi atas beberapa The corporate credit category at the Bank is divided into
segmen, di antaranya sebagai berikut: several segments, including the following:
1) Large commercial, kredit dengan tujuan usaha 1) Large commercial, credit for business (productive)
(produktif) dengan total plafon di atas Rp150.000 purposes with a total credit above Rp150,000 million;
juta;
2) Commercial, kredit dengan tujuan usaha (produktif) 2) Commercial, credit for business (productive) purposes
dengan total plafon di atas Rp50.000 juta-Rp150.000 with a total credit above Rp50,000-Rp150,000 million;
juta;
3) Small, Medium, Enterprise (SME), kredit dengan 3) Small, Medium, Enterprise (SME), credit for business
tujuan usaha (produktif) dengan total plafon sampai purposes (productive) with a total credit of up to
dengan Rp50.000 juta; Rp50,000 million;
4) Business Linkage, kredit yang ditujukan pada 4) Business Linkage, credit aimed at automotive multi-
perusahaan multifinance otomotif, baik executing, finance companies, including executing, channeling, and
channeling, dan joint financing, serta perusahaan joint financing, as well as non-automotive multi-finance
multifinance non-otomotif, seperti BPR dan koperasi. companies, such as BPRs and cooperatives.
Kategori kredit ritel pada Bank, di antaranya adalah Retail credit categories at the Bank include consumer
segmen consumer yang diberikan kepada perorangan dan segment given to individuals and submitted as a group.
diajukan secara kelompok.
b. Aset yang Direstrukturisasi b. Restructured Assets
Aset yang direstrukturisasi umumnya dilakukan pada Restructuring assets are generally carried out in credit
kegiatan perkreditan merupakan upaya yang dilakukan activities, which is the Bank’s effort in credit activities for
Bank dalam kegiatan perkreditan terhadap debitur yang debtors with difficulty on fulfilling their obligations. The
mengalami kesulitan untuk memenuhi kewajibannya. Bank can carry out credit restructuring for debtors with good
Restrukturisasi kredit dapat dilakukan Bank terhadap business prospects but are experiencing difficulties in paying
debitur yang masih mempunyai prospek usaha yang baik principal and/or interest. Restructuring activities can be in
tetapi mengalami kesulitan pembayaran pokok dan/atau the form of:
bunga. Kegiatan restrukturisasi dapat berupa:
1) Penjadwalan kembali (rescheduling), terkait perubahan 1) Rescheduling, related to changes in payment schedule
jadwal pembayaran dan/atau jangka waktu; and/or time period;
2) Persyaratan kembali (reconditioning), terkait
perubahan sebagian atau seluruh syarat kredit yang 2) Reconditioning, related to changes in part or all of the
tidak terbatas pada jadwal pembayaran, jangka credit terms not limited to payment schedules, time
waktu, dan/atau persyaratan lainnya sepanjang tidak periods, and/or other terms as long as they do not
menyangkut perubahan maskimum saldo kredit; dan involve changes to the maximum credit balance; and
3) Penataan kembali (restructuring), terkait perubahan
syarat kredit yang menyangkut penambahan dana, 3) Restructuring, related to changes in credit terms
konversi tunggak bunga menjadi pokok kredit involving additional funds, conversion of interest arrears
baru, dan konversi kredit menjadi penyertaan into new credit principal, and conversion of credit into
dalam perusahaan dengan bentuk reorganisasi, investment in the Company in form of reorganization,
venture capital, management participation, dan venture capital, management participation, and
management consultation. management consultation.
Dalam hal ini, Bank telah memuat informasi berikut Regarding this matter, the Bank has included the following
dalam Lampiran Pengungkapan Kuantitatif Eksposur information in the Appendix on Quantitative Disclosure of
Risiko untuk CRB-A: Risk Exposure for CRB-A:
Tabel Pengungkapan Tambahan terkait Perlakuan Table of Additional Disclosures regarding Treatment of Non-
terhadap Aset Bermasalah (CRB-A). Performing Assets (CRB-A).
4. Pengungkapan terkait Teknik MRK (CRC) 4. Disclosures related to MRK Techniques (CRC)
a. Kebijakan dan Proses terkait Evaluasi dan Manajemen a. Policies and Processes related to Collateral Evaluation
Agunan and Management
Bank didukung oleh analisa kelayakan debitur dalam The Bank is supported by debtor feasibility analysis in
pemberian fasilitas kredit. Hal tersebut bertujuan untuk granting credit facilities. This matter is aimed at assessing
menilai kemampuan debitur dalam mengembalikan the debtor’s ability in returning all of its obligations. As
seluruh kewajibannya. Sebagai jaminan kredit, Bank credit collateral, the Bank accepts collateral that meets
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menerima agunan yang memenuhi kriteria, seperti the criteria, such as having economic value, marketable,
mempunyai nilai ekonomis, marketable, transferable, transferable, and having juridical value. In practice,
serta mempunyai nilai yuridis. Dalam praktiknya, collateral is needed as a second way out, in the event
diperlukan agunan sebagai second way out, dalam hal that the debtor is unable to repay his obligations.
debitur tidak mampu mengembalikan kewajibannya.
Pengelolaan agunan merupakan perangkat pengendalian Collateral management is a risk control tool implemented
risiko yang diterapkan oleh Bank guna melakukan by the Bank to mitigate credit risk in order to minimize
mitigasi risiko kredit untuk meminimalisir dampak dari the impact of the arising risks.
risiko yang terjadi.
b. Konsentrasi Risiko Kredit atas Instrumen yang digunakan b. Concentration of Credit Risk on Instruments used as MRK
sebagai Teknik MRK Techniques
Pihak-pihak utama pemberi jaminan/garansi dan The main parties are the provider of collateral/guarantee
kelayakan kredit (credit worthiness) merupakan and credit worthiness, which is the ability of the Company
kemampuan perusahaan untuk memenuhi kewajibannya to fulfill its credit obligations to the Bank. The main
terhadap Bank. Fokus utamanya terletak pada risiko, focus lies in risk, including liquidity and solvency analysis.
meliputi analisis likuiditas maupun solvabilitas. Alat The credit analysis tool and its criteria for assessment of
analisis kredit dan kriterianya untuk penilaian seperti di among others type and purpose of the debt contract.
antaranya jenis kredit dan tujuan kontrak utangnya.
Tingkat konsentrasi yang ditimbulkan dari penggunaan The concentration level arising from the use of credit risk
teknik mitigasi risiko kredit konsentrasi pada sektor atau mitigation techniques concentration on sector or loan
portofolio kredit Bank dilakukan dengan pengelolaan portfolio of the Bank is carried out by managing credit
risiko konsentrasi kredit melalui penentuan limit untuk concentration risk through setting limit for industrial
sektor industri atau portofolio kredit pada suatu tingkat sector or loan portfolio of an acceptable level of risk/risk
risiko/risk appetite dan risk tolerance yang dapat appetite and risk tolerance. This matter aims to support
diterima. Hal tersebut bertujuan untuk mendukung sound credit growth by prioritizing prudential principles.
pertumbuhan kredit yang sehat dengan mengedepankan
pada prinsip-prinsip kehati-hatian.
5. Pengungkapan Penggunaan Peringkat Kredit Eksternal 5. Disclosure of Use of External Credit Ratings (CRD)
(CRD)
a. Lembaga Pemeringkat yang digunakan Bank a. Rating Agency used by the Bank
Bank menggunakan peringkat yang diterbitkan The Bank uses ratings issued by rating agencies that
oleh lembaga pemeringkat yang diakui sesuai are recognized in accordance with Financial Services
dengan Peraturan Otoritas Jasa Keuangan seperti Authority Regulations as stipulated in the Financial
diatur dalam Surat Edaran Otoritas Jasa Keuangan Services Authority Circular No. 37/SEOJK.03/2016 on
No. 37/SEOJK.03/2016 tentang Lembaga Pemeringkat Rating Agencies and Ratings recognized by the Financial
dan Peringkat yang diakui Otoritas Jasa Keuangan, Services Authority, including Moody’s, Standard & Poor’s,
antara lain Moody’s, Standard & Poor’s, Fitch, Pefindo, Fitch, Pefindo, Moody’s Indonesia, and Fitch Indonesia.
Moody’s Indonesia, dan Fitch Indonesia.
b. Kategori Portofolio yang Menggunakan Peringkat b. Portfolio Categories by Using Ratings
Bank mengklasifikasikan tagihan berdasarkan kategori The Bank classifies receivables by portfolio categories
portofolio seperti tagihan kepada entitas sektor publik, such as receivables from public sector entities,
tagihan kepada Bank, tagihan pada perusahaan efek dan receivables from Banks, receivables from securities
lembaga jasa keuangan lainnya, serta tagihan kepada companies and other financial services institutions,
korporasi. Tagihan pada masing-masing portofolio as well as receivables from corporations. Receivables
dikelompokkan berdasarkan peringkat dari lembaga in each portfolio are grouped by ratings from rating
pemeringkat yang diakui regulator. Kelompok peringkat agencies recognized by the regulator. Rating groups have
memiliki tingkat risiko yang berbeda. different levels of risk.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
Pengungkapan Counterparty Credit Risk Disclosure of Counterparty Credit Risk
Bank menerapkan risiko kredit pihak lawan (Counterparty Credit The Bank implements Counterparty Credit Risk. Counterparty
Risk). Counterparty Credit Risk dapat ditimbulkan dari jenis transaksi Credit Risk is a risk arising from over the counter (OTC) derivative
derivatif over the counter (OTC) dan repo/reverse repo, baik pada transaction and repo/reverse repo transactions, both in the
posisi banking book maupun trading book. Dalam hal memitigasi banking book and trading book positions. In terms of repo/reverse
repo/reverse repo dilakukan dengan penetapan limit counterparty, repo mitigation with limit establishment for counterparty, approval
apabila terdapat pelampauan limit, maka perlu mendapatkan from the Board of Directors through International Banking Division
persetujuan Direksi melalui Divisi International Banking. is required in the event that there is limit exceedance.
Pada posisi 31 Desember 2023, Bank tidak memiliki eksposur At 31 December 2023 position, the Bank has no exposure to
transaksi derivatif Counterparty Credit Risk (CCR1) dan tagihan Counterparty Credit Risk (CCR1) and net receivables of credit
bersih derivatif kredit (CCR6). Namun terkait pengungkapan, derivative (CCR6). However, regarding disclosure, Bank Victoria
Bank Victoria memiliki eksposur risiko transaksi reverse repo has a reverse repo transaction risk exposure which is disclosed
yang diungkapkan pada tabel pengungkapan eksposur CCR in the CCR exposure disclosure table based on Portfolio Category
berdasarkan Kategori Portofolio dan Bobot Risiko (CCR3). and Risk Weight (CCR3).
Pengungkapan Eksposur Sekuritisasi (SECA) Disclosure of Securitization Exposure (SECA)
Sebagai upaya diversifikasi risiko dan memaksimalkan hasil, In an effort to diversify risks and maximize returns, Bank Victoria
Bank Victoria menempatkan sejumlah portofolio dalam bentuk places a number of portfolios in the form of securitization or
sekuritisasi atau Kontrak Investasi Kolektif Efek Beragun Aset (KIK- Collective Investment Contract of Asset-Backed Securities (KIK
EBA). Bank Victoria bertindak sebagai investor dan melakukan EBA). Bank Victoria acts as an investor and invests in EBA due its
investasi pada EBA karena sekuritisasi ini mempunyai likuiditas baik. good liquidity.
Terkait pengungkapan, Bank Victoria memuat informasi Eksposur Regarding disclosure, Bank Victoria contains information on
Sekuritisasi (SECA) pada Banking Book (SEC1) dan terkait Securitization Exposure (SECA) in the Banking Book (SEC1) and
Persyaratan Modalnya – Bank yang Bertindak sebagai Investor related to its Capital Requirements – Bank Acting as Investor
(SEC4), dan tidak memiliki eksposur pada Trading Book (SEC2), (SEC4), and has no exposure in the Trading Book (SEC2), and
dan terkait Persyaratan Modalnya – Bank yang Bertindak sebagai related to its Capital Requirements – Bank Acting as Originator
Originator atau Sponsor (SEC3). or Sponsor (SEC3).
Risiko Pasar Market Risk
Risiko pasar adalah risiko pada posisi neraca dan rekening Market Risk is a risk in balance sheet and administrative account
administratif, termasuk transaksi derivatif, akibat perubahan positions including derivative transactions, due to overall
secara keseluruhan dari kondisi pasar, termasuk risiko perubahan changes in market conditions, including the risk of changes in
harga option. option prices.
Manajemen risiko pasar tidak hanya terbatas pada pengelolaan Market risk management is not only limited to risk management,
risiko, namun juga pengawasan atas seluruh risiko yang dihadapi but also supervision of all risks faced by the Bank as a result of
Bank akibat dari pergerakan faktor pasar (di antaranya suku bunga movements in market factors (among others, interest rates and
dan nilai tukar) yang dapat berasal dari banking book maupun exchange rates) that may come from the banking book or trading
trading book. Tujuan utama manajemen risiko untuk risiko pasar book. The main objective of risk management for market risk is
adalah untuk meminimalkan kemungkinan dampak negatif akibat to minimize the possibility of negative impacts due to changes in
perubahan kondisi pasar terhadap aset dan permodalan Bank. market conditions on the Bank’s assets and capital.
Struktur Organisasi Manajemen Risiko Pasar Organizational Structure of Market Risk
Management
Struktur organisasi manajemen risiko pasar disesuaikan dengan The market risk management organizational structure is adapted to
karakteristik dan kompleksitas kegiatan usaha Bank. Adapun struktur the characteristics and complexity of the Bank’s business activities. The
organisasi manajemen risiko pasar diuraikan sebagai berikut: market risk management organizational structure is described below:
1. Lini Pertahanan Pertama, merupakan unit bisnis khususnya 1. The First Line of Defense, is a business unit, particularly the
Divisi Treasury; Treasury Division;
2. Lini Pertahanan Kedua, unit yang bertanggung jawab adalah 2. The Second Line of Defense, the unit being responsible is the
Divisi Risk Management/Integrated; dan Risk Management Division/Integrated; and
3. Lini Pertahanan Ketiga, merupakan Divisi SKAI & Anti Fraud. 3. The Third Line of Defense is the SKAI & Anti-Fraud Division.
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Dalam pengelolaan risiko pasar, Bank memiliki Asset and In managing market risk, the Bank has an Asset and Liabilities
Liabilities Committee (ALCO) yang membahas hal-hal terkait Committee (ALCO) that periodically discusses matters related to
pengelolaan risiko pasar yang dilakukan secara berkala. market risk management.
Manajemen risiko pasar tidak hanya terbatas pada pengelolaan risiko, Market risk management is not only limited to risk management, but
namun juga pemantauan risiko yang di hadapi Bank akibat pergerakan also supervision of all risks faced by the Bank because of movements
faktor pasar seperti di antaranya suku bunga dan nilai tukar. in market factors, among others interest rates and exchange rates.
Penerapan manajemen risiko pasar di antaranya dilakukan Implementation of market risk management is done, among
melalui langkah berikut: others, through the following steps:
1. Pengelolaan risiko suku bunga dan nilai tukar terhadap 1. Management of interest rate risk and exchange rate on
instrumen keuangan dalam trading book dan banking book; financial instruments in trading book and banking book;
2. Menerapkan beberapa metode untuk memitigasi kerugian 2. Applying several methods to mitigate losses that may arise
yang dapat timbul dari risiko pasar, di antaranya melalui from market risk, such as through the establishment of limits
penetapan limit berdasarkan jenjang organisasi dan based on organizational level and policy on limit for cut loss
kebijakan mengenai limit cut loss sehingga lebih efektif so that it is more effective in monitoring market risk faced by
dalam memonitor risiko pasar yang dihadapi Bank; the Bank;
3. Melakukan peringatan sejak dini dengan mengukur 3. Conducting an early warning by measuring the sensitivity of
sensitivitas pendapatan bunga bersih atas pergerakan suku net interest income on interest rate movements. The Bank
bunga. Bank akan terus mengembangkan dan mengkaji will continue to develop and review market risk limits in line
ulang limit-limit risiko pasar seiring dengan berkembangnya with the development of the Bank’s products and functional
produk-produk serta aktivitas fungsional Bank yang activities that may potentially cause market risk; and
berpotensi menimbulkan risiko pasar; dan
4. Melakukan stress testing guna menilai ketahanan Bank 4. Conducting stress testing to assess the Bank’s resilience in
dalam menghadapi perubahan suku bunga dan harga pasar. facing changes in interest rates and market prices.
Pengelolaan Portofolio Trading Book dan Portfolio Management of Trading Book and
Banking Book, serta Metodologi Valuasi yang Banking Book, and Valuation Methodology Used
Digunakan
1. Trading book merupakan seluruh posisi instrumen keuangan 1. The trading book is all positions of financial instruments in
dalam neraca dan rekening administratif termasuk the balance sheet and administrative accounts, including
transaksi derivatif yang dimiliki Bank dengan tujuan untuk derivative transactions owned by the Bank for the purpose
diperdagangkan dan dapat dipindahtangankan dengan bebas of trade, and freely transferable, or hedged as a whole, either
atau dapat dilindung nilai secara keseluruhan, baik dari from proprietary positions transactions, at the request of
transaksi untuk kepentingan sendiri (proprietary positions), customer or for brokering activities, and in order to conduct
atas permintaan nasabah maupun untuk kepentingan market making and hedging of other positions in the trading
perantaraan (brokering), dan dalam rangka pembentukan book.
pasar (market making) dan lindung nilai (hedging) atas posisi
lainnya dalam trading book.
Pengelolaan risiko trading book sebagai berikut: Trading book risk is managed as follows:
a. Pemisahan trading book dan banking book, setiap a. Separation of trading book and banking book, every
transaksi harus secara jelas diakui sebagai trading book transaction must be clearly recognized as a trading book
atau banking book sejak transaksi tersebut dibukukan; or banking book from the time the transaction is recorded;
b. Kontrol risiko, semua produk baru maupun variasi dari b. Risk control, all new products or variations of approved
sebuah produk yang telah disetujui harus dikaji dan product must be reviewed and approved in accordance
disetujui sesuai dengan kebijakan dan prosedur terkait with policies and procedures related to the launch of
peluncuran produk dan aktivitas baru; new products and activities;
c. Kontrol valuasi, seluruh posisi trading dinilai berdasarkan c. Valuation control, all trading positions are marked to
harga pasar (marked to market) secara harian market on a daily basis by using market prices from
menggunakan harga pasar dari sumber yang independen; independent sources;
d. Tata kelola khusus untuk surat berharga, di mana aktivitas d. Special governance for securities, in which securities
transaksi surat berharga harus sesuai dengan limit trading transaction activities must be in accordance with current
book terkini dan kontrol risiko kredit terkait dengan trading book limits and credit risk controls related to
kepemilikan surat berharga; dan securities ownership; and
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
e. Transaksi ke pasar (market facing) dan aktivitas internal e. Market facing transactions and internal activities of
suatu desk ditugaskan sebagai titik kontak dengan pasar a desk are assigned as point of contact with external
keuangan eksternal untuk melakukan transaksi instrumen financial markets to make transactions in the same
yang sama antara dua buku. Hal ini guna menghindari instrument between the two books. This is to avoid losses
kerugian bid offer spread terhadap pihak eksternal. in the bid offer spread to external parties.
2. Banking book adalah semua posisi yang tidak termasuk dalam 2. Banking book refers to all positions that are not included in
trading book. the trading book.
Pengelolaan portofolio banking book, sebagai berikut: Banking book portfolio is managed as follows:
a. Semua posisi yang dipegang bukan untuk tujuan trading a. All positions held not for trading purposes are designated
ditetapkan sebagai banking book; as banking book;
b. Tata kelola aktivitas banking book berada dalam otoritas b. The governance of banking book activities is under
ALCO, Credit Committee, dan secara umum pengelolaan the authority of ALCO, Credit Committee, and the
semua aktivitas banking book termasuk portofolio surat management of all banking book activities including
berharga aset dan kewajiban lainnya dipusatkan di Treasury; the portfolio of securities, assets, and other liabilities is
generally centralized in the Treasury;
c. Transfer atau pengklasifikasian ulang dalam portofolio c. Transfer or reclassification in the banking book
banking book, misalnya antara Fair Value Through Other portfolio, for example between Fair Value Through Other
Comprehensive Income (FVTOCI) dan amortised cost, Comprehensive Income (FVTOCI) and amortised cost,
mengikuti ketentuan yang berlaku; following the applicable regulations;
d. Pengelolaan risiko suku bunga dalam banking book (IRRBB); d. Management of interest rate risk in the banking book
dan (IRRBB); and
e. Pengelolaan nilai tukar (foreign exchange risk) dilakukan e. Management of foreign exchange risk is carried out by
dengan meminimalkan eksposur foreign exchange minimizing foreign exchange exposure, particularly in
terutama dalam banking book, di mana ada posisi foreign the banking book, in which unhedged foreign exchange
exchange yang tidak dilindungi nilai ditransfer ke trading positions are transferred to the trading book.
book.
3. Metode Valuasi/Mark-to Market 3. Valuation Method/Mark-to Market
Salah satu aspek yang paling mendasar dalam pelaksanaan One of the most fundamental aspects in implementing mark-
mark-to-market adalah prinsip kehati-hatian Bank dalam to-market is the Bank’s prudential principles in determining
menentukan metode penilaian (valuasi) yang digunakan valuation method used for each instrument, such as the use
untuk setiap instrumen seperti penggunaan metode mark- of the mark-to-market method, the source of information
to-market, sumber informasi tentang nilai pasar yang about market value used, the treatment of deficient/illiquid
digunakan, perlakuan terhadap instrumen yang kurang/ instruments, as well as reserve policies for profit values due
tidak likuid, serta kebijakan pencadangan terhadap nilai to the mark-to-market process.
keuntungan akibat proses mark-to-market.
Terhadap instrumen keuangan yang diperdagangkan secara For financial instruments that are actively traded, the
aktif, proses valuasi dilakukan dengan menggunakan harga valuation process is carried out using close-out prices or
transaksi yang terjadi (close-out prices) atau kuotasi pasar market quotations from independent sources. Valuation of
dari sumber yang independen. Valuasi terhadap instrumen financial instruments uses:
keuangan menggunakan:
a. Bid price untuk aset yang dimiliki atau kewajiban yang a. Bid price for assets owned or liabilities to be issued;
akan diterbitkan; dan/atau and/or
b. Ask price untuk aset yang akan diperoleh atau kewajiban b. Ask price for assets to be acquired or liabilities owned.
yang dimiliki.
Bank dapat menetapkan nilai wajar dengan menggunakan The Bank can determine fair value by using a valuation model
suatu model atau teknik penilaian apabila harga pasar tidak or technique if market prices are not available. Valuation is
tersedia. Valuasi dilakukan secara harian terhadap seluruh carried out daily on all treasury positions.
posisi treasury.
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Pengukuran Risiko Pasar pada Trading Book Market Risk Measurement in Trading Book and
maupun Banking Book Banking Book
Bank menerapkan beberapa metode dalam mitigasi kerugian The Bank applies several methods in mitigating loss that may
yang mungkin timbul dari risiko pasar. Metode pengukuran risiko incur from market risk. Such method among others. These
pasar tersebut di antaranya: market risk measurement methods include:
1. Bank menggunakan pendekatan standar mengacu pada 1. The Bank uses a standard approach referring to the provisions
ketentuan Otoritas Jasa Keuangan untuk mengukur risiko of the Financial Services Authority to measure market risk.
pasar Kewajiban Penyediaan Modal Minimum dan metrik Capital Adequacy Ratio and Interest Rate Risk metrics in
Risiko Suku Bunga dalam Banking Book (IRRBB) yaitu nilai the Banking Book (IRRBB), namely economic value of equity
ekonomis ekuitas (EVE) dan pendapatan bunga bersih (NII); (EVE) and net interest income (NII);
2. Stress testing digunakan untuk menilai kemampuan finansial 2. Stress testing is used to assess financial capabilities under
di bawah kejadian-kejadian yang ekstrem tapi mungkin extreme but possible events. Historical data analysis,
terjadi. Dalam analisis skenario dan stress testing, dapat hypothetical assumptions, or scenarios set by the regulator
digunakan dengan menggunakan analisis data historis, can be used to analyze scenario and stress testing;
menggunakan asumsi hipotetis atau menggunakan skenario
yang ditetapkan regulator;
3. Pengukuran risiko suku bunga pada posisi banking book 3. Interest rate risk in banking book positions is measured at
paling kurang menggunakan model pengukuran gap report. least by using the gap report measurement model. The gap
Gap report menyajikan pos-pos aset, kewajiban, dan rekening report presents asset, liability, and administrative account
administratif yang bersifat interest rate sensitive untuk items that are interest rate sensitive to be mapped to a
dipetakan ke dalam skala waktu tertentu; dan certain time scale; and
4. Proses kaji ulang atau validasi atas model pengukuran 4. The process of reviewing or validating the market risk
risiko pasar dilakukan secara berkala oleh pihak independen measurement model is carried out periodically by an
antara lain melalui back testing, termasuk melakukan independent party, among others through back testing,
penyempurnaan jika diperlukan. including making improvements if necessary.
Portofolio (Trading dan Banking Book) yang Portfolio (Trading and Banking Book) Calculated
Diperhitungkan dalam Kewajiban Penyediaan in Minimum Capital Adequacy Ratio
Modal Minimum
Dalam perhitungan Aktiva Tertimbang Menurut Risiko untuk risiko In calculating Risk Weighted Assets for market risk, the Bank
pasar, Bank mengacu kepada Peraturan Otoritas Jasa Keuangan refers to Financial Services Authority Regulation No. 27 of 2022
No. 27 Tahun 2022 tentang Perubahan Kedua atas Peraturan on the Second Amendment to the Financial Services Authority
Otoritas Jasa Keuangan No. 11/POJK.03/2016 tentang Regulation No. 11/POJK.03/2016 on Capital Adequacy Ratio
Kewajiban Penyediaan Modal Minimum bagi Bank Umum, Surat for Commercial Banks, Financial Services Authority Circular
Edaran Otoritas Jasa Keuangan No. 38/SEOJK.03/2016 tentang No. 38/SEOJK.03/2016 on Guidelines on the Use of Standardized
Pedoman Penggunaan Metode Standar dalam Perhitungan Method in Calculating the Capital Adequacy Ratio for Commercial
Kewajiban Penyediaan Modal Minimum Bank Umum dengan Bank by Calculating Market Risk, and Financial Services Authority
Memperhitungkan Risiko Pasar, dan Surat Edaran Otoritas Jasa Circular No. 23/SEOJK.03/2022 on Calculation of Risk-Weighted
Keuangan No. 23/SEOJK.03/2022 tentang Perhitungan Aset Assets for Market Risk.
Tertimbang Menurut Risiko untuk Risiko Pasar.
Pengungkapan Kuantitatif Eksposur Risiko sebagai berikut: Information on Quantitative Disclosure of Risk Exposure is as
follows:
Tabel Pengungkapan Kuantitatif Eksposur Risiko Pasar dengan Table of Quantitative Disclosure of Market Risk Exposure by Using
Menggunakan Metode Standar secara Individual. Standardized Method Individually.
Langkah Antisipasi terhadap Risiko Pasar atas Anticipation Steps Against Market Risk on
Transaksi Mata Uang Asing Foreign Currency Transactions
Risiko mata uang dapat terjadi apabila Bank dalam posisi long/ Currency risk can occur if the Bank is in long/overbought position
overbought dalam suatu mata uang dan nilai tukarnya turun, in a currency of which the exchange rate falls, which consequently
sehingga dapat menyebabkan kerugian. Dalam mengantisipasi causes losses. In anticipating market risks on transactions related
risiko pasar atas transaksi yang terkait dengan risiko nilai tukar, to exchange rate, the Bank determines and monitors market risk
Bank menetapkan dan melakukan pemantauan atas limit risiko limits, such as cut loss limits and stress tests.
pasar, seperti limit cut loss serta stress test.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
Pengungkapan Mengenai Interest Rate Risk in Disclosure of Information on the Interest Rate
Banking Book Risk in Banking Book
Bank berada dalam kelompok Bank Modal Inti/KBMI The Bank is within the Bank Group/KBMI 1,
1, berdasarkan Peraturan Otoritas Jasa Keuangan based on Financial Services Authority Regulation
No. 12/POJK.03/2021 dan tidak memenuhi kriteria untuk No. 12/POJK.03/2021 and does not meet the criteria to disclose
mengungkapkan laporan perhitungan Interest Rate Risk in calculation report of Interest Rate Risk in Banking Book (IRRBB)
Banking Book (IRRBB) sesuai Surat Edaran Otoritas Jasa Keuangan in accordance with Financial Services Authority Circular
No. 12/SEOJK.03/2018 tanggal 21 Agustus 2018 tentang No. 12/SEOJK.03/2018 dated 21 August 2018 on the
Penerapan Manajemen Risiko dan Pengukuran Risiko Pendekatan Implementation of Risk Management and Risk Measurement Using
Standar untuk Risiko Suku Bunga dalam Banking Book (IRRBB) bagi Standardized Approach for Interest Rate Risk in the Banking Book
Bank Umum. Dalam hal mengendalikan risiko suku bunga pada (IRRBB) for Commercial Banks. In terms of controlling the interest
banking book, Bank menggunakan analisa sensitivitas berdasarkan rate risk in banking book, the Bank uses sensitivity analysis based
repricing gap yang disusun dalam rangka pemenuhan ketentuan on the repricing gap prepared in order to fulfill the provisions on
mengenai penilaian tingkat kesehatan Bank Umum dan penerapan the sound rating of Commercial Banks and the implementation
manajemen risiko bagi Bank Umum. Parameter tersebut dapat of risk management at Commercial Banks. This parameter may
memberikan indikasi atas risiko terhadap perspektif nilai ekonomis provide an indication of the risks to the Bank’s economic value
Bank yang timbul dari pergerakan suku bunga yang memengaruhi perspective arising from interest rate scenario movement affecting
permodalan dan perspektif pendapatan bunga bersih yang capital and net interest income perspective which affect the
memengaruhi rentabilitas Bank. Bank’s profitability.
Risiko Likuiditas Liquidity Risk
Risiko likuiditas adalah risiko akibat ketidakmampuan Bank untuk Liquidity risk is a risk due to the Bank’s inability to meet its due
memenuhi kewajiban yang jatuh tempo dari sumber pendanaan liabilities from the funding cash flows and/or from high quality
arus kas dan/atau dari aset likuiditas berkualitas tinggi yang liquid assets that can be pledged, without disrupting the Bank’s
dapat diagunkan tanpa mengganggu aktivitas keuangan Bank. financial activity. The liquidity risk is categorized into:
Risiko likuiditas dikategorikan menjadi:
1. Risiko likuiditas pasar 1. Market liquidity risk
Risiko yang timbul karena Bank tidak mampu melakukan off The risk arising due to the Bank is unable to offset certain
setting posisi tertentu dengan harga pasar. positions at market prices.
2. Risiko likuiditas pendanaan 2. Funding liquidity risk
Risiko yang timbul karena Bank tidak mampu mencairkan The risk arising due to the Bank is unable to withdraw the
asetnya atau memperoleh pendanaan dari sumber dana assets or obtain funding from other sources of funds.
lainnya.
Ketidakmampuan memperoleh sumber pendanaan arus kas Inability to acquire cash flows of source of fund can cause
dapat menimbulkan risiko likuiditas yang disebabkan oleh: liquidity risk resulting from:
1. Ketidakmampuan menghasilkan arus kas yang berasal dari 1. Inability to generate cash flows from earning assets or from
aset produktif maupun yang berasal dari penjualan aset the sale of assets including liquid assets; and
termasuk aset likuid; dan
2. Ketidakmampuan menghasilkan arus kas yang berasal dari 2. Inability to generate cash flows from fund raising, interbank
penghimpunan dana, transaksi antar Bank, dan pinjaman transactions, and loans.
yang diterima.
Tujuan utama manajemen risiko untuk risiko likuiditas adalah The main objective of risk management for liquidity risk is to
untuk meminimalkan kemungkinan ketidakmampuan Bank minimize the possibility of the Bank’s inability to obtain source
dalam memperoleh sumber pendanaan arus kas. of fund for cash flow.
Tata Kelola Pengelolaan Risiko Likuiditas Liquidity Risk Management Governance
1. Risk appetite dan toleransi risiko dikaji oleh Risk Taking Unit 1. Risk appetite and risk tolerance are reviewed by the Risk
minimal setahun sekali, serta harus mendapat persetujuan Taking Unit at least once a year, and such review must obtain
Komite Manajemen Risiko atau Direksi dan Dewan Komisaris. approval from the Risk Management Committee or the Board
Setiap pelanggaran risk appetite dan toleransi risiko harus of Directors and Board of Commissioners. Any violation of risk
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dieskalasi hingga ke Dewan Komisaris dan/atau tingkat appetite and risk tolerance must be escalated to the Board of
Komite Dewan Komisaris terkait seperti Komite Pemantau Commissioners and/or the relevant Board of Commissioners
Risiko; Committee level, such as the Risk Monitoring Committee;
2. Kebijakan manajemen risiko likuiditas harus disetujui oleh 2. The liquidity risk management policy must be approved
Komite Manajemen Risiko atau ALCO yang dikaji secara by the Risk Management Committee or ALCO, reviewed
berkala dan memenuhi persyaratan regulasi; periodically and fulfilling the regulatory requirements;
3. Limit risiko likuiditas harus disetujui oleh ALCO. Limit 3. Liquidity risk limits must be approved by ALCO. This limit
tersebut harus dikaji paling sedikit setiap tahun dengan must be reviewed at least annually by considering the Bank’s
mempertimbangkan strategi bisnis dan risk appetite Bank; business strategy and risk appetite;
4. Likuiditas Bank dikelola secara tersentralisasi oleh Treasury; 4. The Bank’s liquidity is managed centrally by the Treasury;
dan and
5. Validasi model pengukuran risiko harus dilakukan secara 5. Validation of risk measurement models must be carried out
berkala oleh pihak yang independen dari pengembang dan periodically by parties independent of the developers and
pengguna model tersebut. users of the model.
Struktur Organisasi Manajemen Risiko Likuiditas Liquidity Risk Management Organization
Struktur organisasi manajemen risiko likuiditas telah dirancang The liquidity risk management organizational structure has been
agar dapat bekerja secara optimal dengan mengutamakan designed to work optimally by prioritizing prudential principles
prinsip kehati-hatian melalui implementasi dual control process through the implementation of dual control processes and daily
serta pemantauan secara harian atas indikator peringatan dini monitoring of the Bank’s liquidity early warning indicators. The
likuiditas Bank. Struktur organisasi manajemen risiko likuiditas liquidity risk management organizational structure is described
diuraikan sebagai berikut: below:
1. Lini Pertahanan Pertama adalah semua unit bisnis; 1. The First Line of Defense is all business units;
2. Lini Pertahanan Kedua adalah Divisi Risk Management/ 2. The Second Line of Defense is the Risk Management/
Integrated dan Divisi Compliance & System Procedure; Integrated Division and the Compliance & System Procedure
Division;
3. Lini Pertahanan Ketiga adalah Divisi SKAI & Anti Fraud. 3. The Third Line of Defense is SKAI & Anti Fraud Division.
Strategi Pendanaan Funding Strategy
Strategi bidang pendanaan diprioritaskan pada upaya menjaga The funding strategies are prioritized on efforts to maintain and
dan meningkatkan loyalitas nasabah dan menambah nasabah increase customer loyalty and add new customers with a growth
baru dengan target pertumbuhan yang berbasis struktur target based on a sound and optimal funding structure. The
pendanaan yang sehat dan optimal. Strategi pendanaan di funding strategy includes a diversification strategy of funding
antaranya mencakup strategi diversifikasi sumber dan jangka sources and time period that link to the Bank’s characteristics
waktu pendanaan yang dikaitkan dengan karakteristik dan and business plans. In this matter, the Bank identifies and
Rencana Bisnis Bank. Dalam hal ini Bank mengidentifikasi monitors the main factors affecting the Bank’s ability to obtain
dan memantau faktor utama yang memengaruhi kemampuan funds, including identifying and monitoring alternative funding
Bank untuk memperoleh dana, termasuk mengidentifikasi that can strengthen its capacity to withstand crisis conditions.
dan memantau alternatif pendanaan yang dapat memperkuat
kapasitasnya untuk bertahan pada kondisi krisis.
Mitigasi Risiko Likuiditas Mitigation of Liquidity Risk
Dalam memitigasi risiko likuiditas, Bank menetapkan indikator In mitigating liquidity risk, the Bank establishes early warning
peringatan dini, di antaranya dengan menentukan risk appetite indicators, among others by determining risk appetite and risk
dan risk tolerance/limit melalui beberapa indikator keuangan tolerance/limit through several financial indicators such as the
seperti rasio alat likuid terhadap dana pihak ketiga dan rasio ratio of liquid assets to third party deposits and the ratio of liquid
alat likuid terhadap non-core deposit yang adaptif terhadap assets to non-core deposits that are adaptive to change.
perubahan.
Stress Testing Risiko Likuiditas Stress Testing of Liquidity Risk
Bank mengembangkan stress testing likuiditas untuk The Bank develops liquidity stress testing to ensure the Bank
memastikan Bank memiliki akses sumber likuiditas yang cukup has access to sufficient liquidity sources to survive stress event
untuk bertahan pada kondisi stress event untuk periode tertentu conditions for a certain predetermined period. Stress testing is an
yang telah ditentukan. Stress testing merupakan metode yang important method in managing liquidity to ensure that the Bank
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
penting dalam pengelolaan likuiditas untuk memastikan Bank is always in a position to fulfill all its obligations, repay depositors,
selalu berada pada posisi dapat memenuhi seluruh kewajibannya, fulfill loan commitments, and fulfill other commitments made
membayar kembali deposan, memenuhi komitmen pemberian both under normal and stressed conditions.
pinjaman, dan memenuhi komitmen lainnya yang dibuat baik
dalam kondisi normal maupun stres.
Hasil stress test risiko likuiditas dapat menjadi masukan dalam The results of the liquidity risk stress test can be used as input
melakukan kaji ulang terhadap kebijakan dan strategi manajemen for reviewing liquidity risk management policies and strategies,
risiko likuiditas, komposisi aset, kewajiban dan/atau rekening composition of assets, liabilities, and/or administrative accounts,
administratif, rencana pendanaan darurat (contingency funding contingency funding plan, and limit setting.
plan) dan penetapan limit.
Pengelolaan Risiko Likuiditas pada Saat Krisis Liquidity Risk Management in Times of Crisis
Dalam menghadapi krisis likuiditas, Bank telah memiliki Liquidity To deal with liquidity crisis, the Bank already has a Liquidity
Contingency Plan (LCP) yang secara formal menetapkan strategi Contingency Plan (LCP) that formally sets out strategies to deal
untuk menghadapi krisis likuiditas dan prosedur untuk menutup with liquidity crisis and procedures to cover cash flow deficits
defisit arus kas dalam situasi darurat. LCP mencakup kebijakan, in emergency situations. LCP includes policies, strategies,
strategi, prosedur dan rencana tindak untuk memastikan procedures, and action plans to ensure the Bank’s ability to
kemampuan Bank memperoleh sumber pendanaan yang obtain the necessary source of fund in a timely manner and at a
diperlukan secara tepat waktu dan dengan biaya yang wajar. reasonable cost. The document is disseminated to the relevant
Dokumen tersebut disosialisasikan kepada unit-unit terkait agar units so that such units can understand their respective duties
dapat memahami tugas dan tanggung jawabnya masing-masing. and responsibilities.
Pengungkapan Risiko Likuiditas Disclosure of Liquidity Risk
1. Pengungkapan Mengenai Liquidity Coverage Ratio 1. Disclosure of Liquidity Coverage Ratio Value
Bank kelompok Bank Modal Inti/KBMI 1, berdasarkan Capital Bank Group/KBMI 1, based on Financial Services
Peraturan Otoritas Jasa Keuangan No. 12/POJK.03/2021 Authority Regulation No. 12/POJK.03/2021 and does not meet
dan tidak memenuhi kriteria untuk mengungkapkan laporan the criteria to disclose Liquidity Coverage Ratio (LCR) report,
Liquidity Covered Ratio (LCR) sesuai Peraturan Otoritas in accordance with Financial Services Authority Regulation
Jasa Keuangan No. 42/POJK.03/2015 tentang Kewajiban No. 42/POJK.03/2015 on the Obligation of Fulfillment of
Pemenuhan Rasio Kecukupan Likuiditas bagi Bank Umum. Liquidity Coverage Ratio for Commercial Banks.
2. Pengungkapan Nett Stable Funding Ratio 2. Disclosure of Net Stable Funding Ratio
Bank kelompok Bank Modal Inti/KBMI 1, berdasarkan Capital Bank Group/KBMI 1, based on Financial Services
Peraturan Otoritas Jasa Keuangan No. 12/POJK.03/2021 Authority Regulation No. 12/POJK.03/2021 and does not
dan tidak memenuhi kriteria untuk mengungkapkan laporan meet the criteria to disclose Net Stable Funding Ratio report,
Nett Stable Funding Ratio sesuai Peraturan Otoritas in accordance with Financial Services Authority Regulation
Jasa Keuangan No. 50/POJK.03/2017 tentang Kewajiban No. 50/POJK.03/2017 on the Obligation of Fulfillment of Net
Pemenuhan Rasio Pendanaan Stabil Bersih bagi Bank Umum. Stable Funding Ratio for Commercial Banks.
Risiko Operasional Operational Risk
Risiko operasional adalah risiko akibat ketidakcukupan dan/ Operational Risk is risk due to inadequacy and/or malfunction
atau tidak berfungsinya proses internal, kesalahan manusia, of internal process, human error, system failure, and/or external
kegagalan sistem, dan/atau adanya kejadian-kejadian eksternal incidents affecting the Bank’s operations.
yang memengaruhi operasional Bank.
Tujuan utama manajemen risiko untuk risiko operasional adalah The main objective of risk management for operational risk is
untuk meminimalkan kemungkinan dampak negatif dari tidak to minimize the possible negative impacts of non-functioning
berfungsinya proses internal, kesalahan manusia, kegagalan internal processes, human errors, system failures, and/or
sistem, dan/atau kejadian-kejadian eksternal. external events.
Manajemen risiko operasional dilakukan secara konsisten Operational risk management is carried out consistently on
terhadap kerangka kerja serta dengan menentukan strategi dan framework and by determining strategies and mitigation in
mitigasi guna memperoleh keseimbangan yang optimal antara order to obtain maximum balance between operational risk
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paparan risiko operasional, efektivitas mekanisme kontrol, dan exposure, effectiveness of control mechanism, and risk appetite
pembuatan risk appetite. establishment.
Struktur Organisasi Manajemen Risiko Operational Risk Management Organizational
Operasional
Penerapan manajemen risiko operasional banyak melibatkan The operational risk management implementation highly
berbagai pihak dalam Bank melalui penerapan pertahanan berlapis involves many parties in the Bank through the implementation of
(three lines of defense) yang berfungsi sebagai berikut: three lines of defense which function as follows:
1. First Line of Defense merupakan unit bisnis dan unit 1. First line of defense is a business unit and supporting unit
pendukung yang berperan sebagai risk taker; that functions as risk taker;
2. Second Line of Defense adalah Unit Anti Money Laundering 2. Second Line of Defense is the Anti-Money Laundering (AML)
(AML) dan Divisi Risk Management/Integrated; dan Unit and Risk Management/Integrated Division; and
3. Third Line Defense merupakan unit yang dijalankan Divisi 3. Third Line Defense is a unit run by the SKAI & Anti Fraud
SKAI & Anti Fraud. Division.
Dalam pengelolaan risiko operasional, di samping Komite In managing operational risk, in addition to the Risk Management
Manajemen Risiko, Bank memiliki komite lain di antaranya Committee, the Bank has other committees including the
Komite Teknologi Informasi, Komite Pengadaan, Komite Produk, Information Technology Committee, Procurement Committee,
dan Komite Personalia untuk menunjang operasional Bank yang Product Committee, and Personnel Committee to support the
secara efektif dapat menekan kerugian akibat risiko operasional. Bank’s operations which can effectively reduce losses due to
operational risk.
Mekanisme yang Digunakan Bank untuk Mechanism Used by the Bank to Identify and
Mengidentifikasi dan Mengukur Risiko Operasional Measure Operational Risk
Proses identifikasi dan pengukuran risiko dilakukan melalui Risk identification and measurement process is performed by
penerapan perangkat manajemen risiko operasional, yakni applying operational risk management tools, namely risk register
risk register dengan tujuan untuk mengidentifikasi risiko-risiko aimed to identify risks in operational risk functional activities
pada aktivitas fungsional risiko operasional, sehingga kerugian so that maximum losses that may arise in the future can be
maksimum yang mungkin timbul di masa mendatang dapat minimized. The Risk Registers used for the implementation of
diminimalisir. Risk Register yang dipergunakan untuk pelaksanaan operational risk management are as follows:
manajemen risiko operasional sebagai berikut:
1. Risk and Control Self-Assessment 1. Risk and Control Self-Assessment
Risk and Control Self-Assessment (RCSA) merupakan alat untuk Risk and Control Self-Assessment (RCSA) is a tool for
mengidentifikasi dan mengukur risiko operasional yang bersifat identifying and measuring operational risks that are
kualitatif dan prediktif dengan menggunakan dimensi dampak qualitative and predictive using the dimensions of impact
dan kemungkinan kejadian. RCSA umumnya difokuskan pada and possible events. RCSA is generally focused on risks that
risiko-risiko yang memiliki dampak terhadap kemampuan Bank have an impact on the Bank’s ability to maintain its business
dalam menjaga kelangsungan bisnis dan operasional. Proses and operational sustainability. The risk assessment process
penilaian risiko dilakukan dengan melakukan self-assessment is carried out by conducting self-assessment of risk level
tentang evaluasi tingkat risiko, yang mencakup kemungkinan evaluation, including possible events, magnitude of impacts,
kejadian, besarnya dampak, dan tingkat efektivitas kontrol. and control effectiveness level. Furthermore, RCSA detects
Selanjutnya, RCSA mendeteksi kecukupan internal kontrol the adequacy of the Bank’s internal control to prevent any
Bank untuk mencegah penyimpangan/kegagalan yang terjadi, deviations/failures, and to apply appropriate operational risk
serta menerapkan pengendalian risiko operasional yang tepat controls to manage operational risk in order to stay within
untuk mengelola risiko operasional agar tetap berada dalam the operational risk tolerance level.
tingkatan toleransi risiko operasional.
2. Key Risk Indicator 2. Key Risk Indicator
Key Risk Indicator (KRI) adalah perangkat yang lazim Key Risk Indicator (KRI) is a common tool used to identify
digunakan untuk mengidentifikasi dan menganalisis risiko and analyze early warning on the upward and downward
sejak dini (early warning) atas naik-turunnya indikator- movement of indicators of operational risk level that is
indikator tingkat risiko operasional yang melekat pada setiap inherent in every business activity and operation of the Bank.
aktivitas bisnis dan operasional Bank. Manfaat KRI antara KRI benefits include monitoring and predicting operational
lain dapat memantau dan memprediksi eksposur risiko risk exposures and identifying changes of operational risk
operasional, serta mengidentifikasi perubahan profil risiko profile. The main risk indicators provide information on the
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
operasional. Indikator risiko utama memberikan informasi risk of potential losses in the future. Thresholds (triggers)
tentang risiko potensial kerugian di masa depan. Ambang can be defined for KRI and can serve as indicators in an early
batas (pemicu) dapat didefinisikan untuk KRI dan dapat warning system.
berfungsi sebagai indikator dalam sistem peringatan dini.
3. Loss Event Database 3. Loss Event Database
Loss Event Database (LED) merupakan alat/perangkat Loss Event Database (LED) is an operational risk management
manajemen risiko operasional yang digunakan untuk tool/instrument used to record/manage incident data
mencatat/mengelola data kejadian yang telah terjadi dalam occurred during the Bank’s operations. The database of
operasional Bank. Database kerugian, baik yang bersifat losses, both potential and actual, is an important pre-
potensial maupun aktual merupakan prasyarat penting requisite in the process of formulating measurement model
dalam proses penyusunan model pengukuran kerugian risiko of operational risk loss and as a tool for validating every risk
operasional dan sebagai alat untuk melakukan validasi setiap assessment or risk prediction process.
proses penilaian risiko atau prediksi risiko.
Risiko operasional inheren (risiko yang melekat/gross) dan Inherent operational risk (gross risk) and residual risk are
risiko residual diukur dengan menggunakan matriks Penilaian measured by using the Operational Risk Assessment matrix by
Risiko Operasional dengan mempertimbangkan dampak dan considering the impact and possibility of the risk itself. The Risk
kemungkinan risiko itu sendiri. Risk Taking Unit harus mengukur Taking Unit must measure that controls are adequate and ensure
bahwa kontrol memadai dan memastikan kelengkapan, completeness, existence, accuracy, authorization, assessment,
keberadaan, keakuratan, otorisasi, penilaian, kepemilikan, ownership, presentation, and reporting of transactions and/or
penyajian dan pelaporan transaksi dan/atau proses. processes.
Mekanisme untuk Memitigasi Risiko Operasional Operational Risk Mitigation Mechanism
Guna memitigasi risiko operasional, Bank telah melakukan In order to mitigate operational risk, the Bank has increased
peningkatan sumber daya manusia melalui pendidikan dan its human resources by carrying out continuous education and
pelatihan secara berkelanjutan. Hal tersebut bertujuan agar training. This is intended for enhancing employees’ ability so
kemampuan karyawan dalam melaksanakan tugas dapat berjalan that they can perform their duties properly. Furthermore, the
dengan lebih baik. Selain itu, Bank telah melakukan evaluasi Bank has also evaluated and revised the existing policies and
dan revisi atas kebijakan dan sistem prosedur yang sudah system procedures, examined access level and transaction
ada, memeriksa akses level, dan limit-limit transaksi sesuai limits according to each employee’s duties and responsibilities,
dengan tugas dan tanggung jawab masing-masing karyawan, developed information technology and applied internal control
mengembangkan teknologi informasi serta menerapkan sistem system.
pengendalian internal.
Untuk menjaga kelangsungan bisnis terhadap peristiwa yang tidak In order to maintain its business continuity against undesired
diinginkan, Bank mempunyai Business Continuity Management events, the Bank has Business Continuity Management (BCM)
(BCM) dan juga telah memiliki lokasi off site back up yang and also already has an offsite back up location used during the
digunakan pada saat pengujian BCM. Dalam penanggulangan BCM testing. In disaster management, the Bank has data center
bencana, Bank memiliki pusat data (data center) dan pusat and disaster recovery center located in 2 (two) different locations
penanggulangan bencana (disaster recovery center) yang within the country. This will enable the critical systems, including
terdapat di 2 (dua) lokasi berbeda di dalam negeri. Hal ini akan core systems, as well as payment systems, and regulatory
memungkinkan sistem-sistem penting, termasuk sistem inti, reporting systems, to keep operating at times of disaster.
serta sistem pembayaran, dan sistem pelaporan regulator yang
tetap berjalan jika terjadi bencana.
Pengungkapan Risiko Operasional Disclosure of Operational Risk
Dalam perhitungan Aset Tertimbang Menurut Risiko untuk risiko In calculating Risk Weighted Assets for operational risk, the Bank
operasional, Bank mengacu kepada Peraturan Otoritas Jasa refers to Financial Services Authority Regulation No. 27 of 2022
Keuangan No. 27 Tahun 2022 tentang Perubahan Kedua atas on the Second Amendment to the Financial Services Authority
Peraturan Otoritas Jasa Keuangan No. 11/POJK.03/2016 tentang Regulation No. 11/POJK.03/2016 on Minimum Capital Adequacy
Kewajiban Penyediaan Modal Minimum Bagi Bank Umum dan Ratio for Commercial Banks and Financial Services Authority
Surat Edaran Otoritas Jasa Keuangan No. 06/SEOJK.03/2020 Circular No. 06/SEOJK.03/2020 on Calculation of Risk-Weighted
tentang Perhitungan Aset Tertimbang Menurut Risiko untuk Assets for Operational Risk by Using Standardized Approach for
Risiko Operasional dengan Menggunakan Pendekatan Standar Commercial Banks.
bagi Bank Umum.
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Pengungkapan Kuantitatif Eksposur Risiko sebagai berikut: Quantitative Disclosure of Risk Exposure is as follows:
Tabel Pengungkapan Kuantitatif Risiko Operasional Bank secara Table of Quantitative Disclosure of Operational Risk Bank
Individual. Individually.
Risiko Hukum Legal Risk
Risiko hukum merupakan risiko akibat tuntutan hukum dan/atau Legal risk is a risk as a result of lawsuits and/or weakness of
kelemahan aspek yuridis. Risiko hukum dapat bersumber antara juridical aspect. Legal risk can be sourced from, among others,
lain dari kelemahan aspek yuridis yang disebabkan oleh lemahnya weaknesses in the juridical aspects caused by weak commitments
perikatan yang dilakukan oleh Bank, ketiadaan dan/atau perubahan made by the Bank, absence and/or changes in laws and
peraturan perundang-undangan yang menyebabkan suatu transaksi regulations that cause a transaction made by the Bank becomes
yang telah dilakukan Bank menjadi tidak sesuai dengan ketentuan, not in accordance with the provisions, and litigation processes
dan proses litigasi, baik yang timbul dari gugatan pihak ketiga either arising from third party claims against the Bank or the
terhadap Bank maupun Bank terhadap pihak ketiga. Bank against third parties.
Tujuan utama manajemen risiko untuk risiko hukum adalah untuk The main objective of risk management for legal risk is to ensure
memastikan bahwa proses manajemen risiko dapat meminimalkan that the risk management process minimizes the possibility of
kemungkinan dampak negatif dari kelemahan aspek yuridis, negative impact from weakness of juridical aspects, the absence
ketiadaan dan/atau perubahan peraturan perundang-undangan, of and/or amendment to laws and regulations and litigation
dan proses litigasi. process.
Struktur Organisasi Manajemen Risiko Hukum Organizational Structure of Legal Risk Management
Penerapan manajemen risiko hukum banyak melibatkan berbagai The legal risk management implementation highly involves many
pihak dalam Bank melalui penerapan pertahanan berlapis parties in the Bank through the implementation of three lines of
(three lines of defense) yang berfungsi sebagai berikut: defense which function as follows:
1. Lini Pertahanan Pertama, merupakan semua divisi; 1. The First Line of Defense, constitutes all divisions;
2. Lini Pertahanan Kedua, terdiri dari Divisi Corporate Legal, 2. The Second Line of Defense, consists of the Corporate Legal
Divisi Credit Legal, dan Divisi Compliance & System Division, Credit Legal Division, and Compliance & System
Procedure; dan Procedure Division; and
3. Lini Pertahanan Ketiga adalah Divisi SKAI & Anti Fraud. 3. The Third Line of Defense is SKAI & Anti Fraud Division.
Mekanisme Pengendalian Risiko Hukum Legal Risk Control Mechanism
Langkah yang dilakukan dalam upaya mitigasi risiko hukum meliputi: Measures taken in the effort to mitigate legal risk includes:
1. Standardisasi dokumen hukum terkait produk atau fasilitas 1. Standardizing the legal documents related to banking
perbankan yang ditawarkan oleh Bank kepada masyarakat. products or facilities offered by the Bank to the public
Dokumen tersebut dibuat dengan mengacu kepada ketentuan which will be made in accordance with the prevailing laws
peraturan perundangan yang berlaku, serta memperhatikan and regulations and taking into account the Bank’s juridical
kepentingan aspek yuridis dari Bank; aspect;
2. Memberikan opini hukum atas penyelenggaraan produk baru 2. Providing legal opinion on the Bank’s new products before
Bank sebelum diperkenalkan atau dipasarkan ke masyarakat; launching or promoting to the public;
3. Memantau perkembangan kasus-kasus hukum yang terjadi 3. Monitoring the progress of legal cases and paying special
dan memberikan perhatian khusus atas kasus hukum yang attention to legal cases having the potential to cause loss;
berpotensi menimbulkan kerugian;
4. Memberikan informasi dan pengetahuan hukum kepada unit- 4. Providing legal information and knowledge to relevant units;
unit terkait;
5. Memastikan perjanjian-perjanjian dan dokumen dengan 5. Ensuring that agreements and documents with customers
nasabah dan/atau pihak ketiga lainnya dilakukan sesuai and/or other third parties are carried out in accordance with
dengan ketentuan yang berlaku; the applicable regulations;
6. Melakukan evaluasi atas dokumen-dokumen atau perjanjian- 6. Evaluating documents or agreements to safeguard the
perjanjian guna mengamankan kepentingan hukum Bank; dan Bank’s legal interests; and
7. Meningkatkan kemampuan dan pengetahuan sumber daya 7. Increasing the capabilities and knowledge of human
manusia, serta pengkajian atas perkara litigasi yang telah resources, as well as reviewing litigation cases that have
terjadi. occurred.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
Risiko Reputasi Reputation Risk
Risiko reputasi adalah risiko yang terkait atas persepsi negatif Reputation risk is a risk associated with negative perceptions on
terhadap Bank yang dapat bersumber dari berbagai kejadian yang the Bank that can be sourced from various undesirable events,
tidak diinginkan, antara lain publikasi negatif atas operasional such as negative publicity of the Bank’s operations, violations of
Bank, pelanggaran etika bisnis, keluhan nasabah, kelemahan tata business ethics, customer complaints, governance weaknesses,
kelola dan kejadian-kejadian lainnya yang dapat mengakibatkan and other incidents that can result in a decrease image of the
penurunan citra Bank. Bank.
Tujuan utama manajemen risiko untuk risiko reputasi adalah The main objective of risk management for reputation risk is to
untuk mengantisipasi dan meminimalkan dampak kerugian dari anticipate and minimize the impact of losses from the Bank’s
risiko reputasi Bank. reputation risk.
Struktur Organisasi Manajemen Risiko Reputasi Organizational Structure of Reputation Risk
Management
Pengelolaan risiko reputasi melibatkan berbagai pihak dalam Reputation risk management involves various parties within the
Bank melalui penerapan pertahanan berlapis (three lines of Bank through the implementation of three lines of defense which
defense) yang berfungsi sebagai berikut: function as follows:
1. Lini Pertahanan Pertama merupakan Direksi dan seluruh 1. The First Line of Defense is the Board of Directors and all
karyawan; employees;
2. Lini Pertahanan Kedua, terdiri dari Divisi Corporate Secretary 2. The Second Line of Defense, consists of the Corporate Secretary
dan Divisi Risk Management/Integrated; dan Division and Risk Management/Integrated Division; and
3. Lini Pertahanan Ketiga adalah Divisi SKAI & Anti Fraud. 3. The Third Line of Defense is SKAI & Anti Fraud Division.
Kebijakan dan Mekanisme dalam Rangka Policies and Mechanism in the Framework of
Meningkatkan Kualitas Pelayanan kepada Increasing Service Quality to Customers and
Nasabah dan Pemangku Kepentingan Lainnya Other Stakeholders to Control Reputation Risk
untuk Mengendalikan Risiko Reputasi
Bank telah membentuk layanan contact center yang secara The Bank has established a contact center service that specifically
khusus menangani keluhan nasabah melalui layanan telepon handles customer complaints through 24-hour telephone service
24 jam dan melakukan monitoring atas keluhan nasabah serta and monitors customer complaints and their follow-up. In order
tindak lanjutnya. Dalam rangka pengendalian risiko reputasi, to control reputation risk, the Bank, among others, conducts the
Bank melakukan beberapa hal di antaranya: following matters:
1. Tersedianya ketentuan penanganan pengaduan nasabah 1. The availability of provisions for handling customer
yang secara jelas mengatur kebijakan, prosedur, unit kerja complaints that clearly regulate policies, procedures, work
yang melakukan pemantauan dan pelaporan seputar units that monitor and report on the handling of customer
penanganan pengaduan nasabah; serta complaints; and
2. Pemantauan terhadap jumlah dan penyelesaian pengaduan 2. Monitoring the number and settlement of customer
nasabah serta pemberitaan negatif tentang Bank Victoria. complaints as well as negative news about Bank Victoria.
Pengelolaan Risiko Reputasi pada Saat Krisis Reputation Risk Management in Times of Crisis
1. Pengelolaan krisis komunikasi dikoordinasikan oleh pihak 1. The management of communication crisis coordinated by
internal dan eksternal Bank termasuk media massa dengan the Bank’s internal and external parties, including mass
alur protokol komunikasi dan penanggung jawab komunikasi; media under the flow of communication protocol and the
dan person in charge of communication; and
2. Bank memiliki business continuity plan untuk meminimalisasi 2. The Bank has a business continuity plan to minimize the
gangguan usaha Bank dan mempercepat proses pemulihan Bank’s business disruption and accelerate crisis recovery
krisis pada risiko reputasi. process of reputation risk.
Risiko Stratejik Strategic Risk
Risiko stratejik adalah risiko akibat ketidaktepatan dalam Strategic Risk is a risk as a result of incorrectness in making
pengambilan dan/atau pelaksanaan suatu keputusan strategis, and/or implementing a strategic decision, as well as failure in
serta kegagalan dalam mengantisipasi perubahan lingkungan anticipating changes in the business environment. The Bank’s
bisnis. Ketidakmampuan Bank dalam melakukan penyusunan inability to formulate appropriate strategies may result in the
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strategi yang tepat dapat menimbulkan kegagalan bisnis Bank di failure of the Bank’s business in the future. This risk also includes
masa yang akan datang. Risiko ini juga mencakup kemampuan the Bank’s ability to develop competitiveness and create a
Bank dalam mengembangkan daya saing dan menciptakan competitive advantage in the midst of the increasingly tight
keunggulan kompetitif Bank di tengah kompetisi perbankan yang banking competition.
semakin ketat.
Tujuan utama manajemen risiko untuk risiko stratejik adalah The main objective of risk management for strategic risk is to
memastikan bahwa proses manajemen risiko dapat meminimalkan ensure that the risk management process can minimize the
kemungkinan dampak negatif dari ketidaktepatan pengambilan potential negative impact of inaccuracy of strategic decision
keputusan stratejik dan kegagalan dalam mengantisipasi making and failure in anticipating changes in the business
perubahan lingkungan bisnis. Bank menetapkan dan mencapai environment. The Bank sets and achieves strategic objectives
tujuan strategis untuk memberikan hasil yang optimal bagi to provide optimal results for stakeholders while maintaining
pemangku kepentingan dengan tetap menjaga keseimbangan a balance between risk and profit, in line with changes in
antara risiko dan keuntungan, sejalan dengan perubahan kondisi macroeconomic conditions and customer needs.
makro ekonomi dan kebutuhan nasabah.
Bank selalu mengevaluasi kinerja bisnis dari waktu ke waktu yang The Bank always evaluates the business performance from time
disesuaikan dengan perubahan internal maupun eksternal Bank to time in accordance with the Bank’s internal and external
guna memperkecil risiko stratejik Bank. changes to minimize the Bank’s strategic risks.
Struktur Organisasi Manajemen Risiko Stratejik Organizational Structure of Strategic
Risk Management
Pengelolaan risiko stratejik melibatkan berbagai pihak dalam Strategic management involves various parties within the Bank
Bank melalui penerapan pertahanan berlapis (three lines of through the implementation of three lines of defense which
defense) yang berfungsi sebagai berikut: function as follows:
1. Lini Pertahanan Pertama merupakan Direksi, Senior Executive 1. The First Line of Defense is the Board of Directors, Senior
Vice President, dan Unit Bisnis; Executive Vice President, and Business Units;
2. Lini Pertahanan Kedua, terdiri dari Divisi Corporate Secretary, 2. The Second Line of Defense, consists of the Corporate
Divisi Accounting, dan Divisi Risk Management/Integrated; Secretary Division, Accounting Division, and Risk
dan Management/Integrated Division; and
3. Lini Pertahanan Ketiga adalah Divisi SKAI & Anti Fraud. 3. The Third Line of Defense is SKAI & Anti Fraud Division.
Bank memiliki sistem pengendalian internal untuk manajemen risiko The Bank has an internal control system for strategic risk management,
stratejik, mencakup pengawasan secara berkala atas kinerja Bank which includes regular monitoring of the Bank’s performance that
yang berdampak pada pendapatan usaha dan budaya pengendalian have an impact on business revenues, and a strategic risk control
risiko stratejik yang melibatkan seluruh lini bisnis Bank. culture that involves all of the Bank’s business lines.
Kebijakan Bank dalam Mengidentifikasi dan Bank Policies to Identify and Respond to Changes
Merespons Perubahan Lingkungan Bisnis, in Business Environment, External and Internal
baik Eksternal maupun Internal
Penyusunan strategi Bank dituangkan dalam rencana bisnis Bank The formulation of the Bank’s strategy set forth in the Bank’s
melalui serangkaian diskusi yang melibatkan jajaran manajemen. business plan through a series of discussions involving
Kebijakan umum atau arahan strategis yang dirumuskan Bank management ranks. The general policies or strategic directions
adaptif terhadap perubahan lingkungan, baik internal maupun formulated by the Bank are made adaptive to internal and
eksternal dan dilakukan dalam perspektif jangka pendek maupun external environment changes and carried out in a short-term
jangka menengah, yang dikaji ulang secara berkala minimal and medium-term perspective, reviewed periodically at least
setahun sekali. once a year.
Bank selalu mengevaluasi kinerja bisnis dari waktu ke waktu The Bank always evaluates the business performance from time to
yang disesuaikan dengan perubahan internal maupun eksternal time in accordance with the Bank’s internal and external changes
Bank guna memperkecil risiko stratejik Bank, seperti melakukan to minimize the Bank’s strategic risks, such as taking strategic
langkah strategis di tengah ketidakpastian ekonomi dengan steps in the midst of economic uncertainty by considering and
mempertimbangkan dan menyesuaikan beberapa aktivitas yang adjusting several activities carried out manually or conventionally
dilakukan secara manual atau konvensional ke dalam proses to the digitalization process.
digitalisasi.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
Mekanisme untuk Mengukur Kemajuan yang Mechanism to Measure Progress Achieved from
Dicapai dari Rencana Bisnis yang Ditetapkan the Defined Business Plan
Pemantauan dan evaluasi atas pencapaian kinerja keuangan Monitoring and evaluation of the Bank’s financial performance
Bank terhadap target yang telah disusun mendapatkan perhatian achievement against the targets set have received the Bank’s
penuh dari manajemen Bank, yang secara khusus menjadi management full attention, which is specifically discussed in
pembahasan dalam rapat Direksi secara rutin setiap bulan atau the Board of Directors’ meetings regularly on a monthly basis or
antara Dewan Komisaris dengan Direksi. between the Board of Commissioners and the Board o Directors.
Risiko Kepatuhan Compliance Risk
Risiko kepatuhan adalah risiko akibat Bank tidak mematuhi dan/ Compliance risk is a risk due to the Bank’s failure to comply
atau tidak melaksanakan peraturan perundang-undangan dan with and/or enforce the applicable laws and regulations. Failure
ketentuan yang berlaku. Kegagalan dalam mengelola risiko to manage compliance risk may cause the Bank to be subject
kepatuhan tersebut dapat menyebabkan Bank terkena sanksi dan to sanctions and penalties from the regulator, and therefore,
denda dari regulator serta berdampak terhadap kelangsungan affecting the Bank’s business continuity and governance.
usaha Bank, sehingga dapat memengaruhi tata kelola Bank.
Compliance risk may arise from legal behavior, which is the
Risiko kepatuhan dapat bersumber dari perilaku hukum, yaitu perilaku Bank’s behavior or activity that deviates from or violates the
atau aktivitas Bank yang menyimpang atau melanggar dari ketentuan provisions and/or laws and regulations. Whereas organizational
dan/atau peraturan perundang-undangan. Sedangkan perilaku behavior, which is the Bank’s behavior or activity that deviates
organisasi, yaitu perilaku atau aktivitas Bank yang menyimpang atau from or in contrary to the generally accepted standards.
bertentangan dari standar yang berlaku secara umum.
The main objective of risk management for compliance risk is
Tujuan utama manajemen risiko untuk risiko kepatuhan adalah to ensure that the risk management process can minimize the
untuk memastikan bahwa proses manajemen risiko dapat possibility of negative impacts that deviates or violates the
meminimalkan kemungkinan dampak negatif yang menyimpang generally accepted standards and/or laws and regulations.
atau melanggar standar dan/atau peraturan dan perundang-
undangan yang berlaku.
Struktur Organisasi Manajemen Risiko Kepatuhan Organizational Structure of Compliance
Risk Management
Pengelolaan risiko kepatuhan melibatkan berbagai pihak dalam Compliance management involves various parties within the
Bank melalui penerapan pertahanan berlapis (three lines of Bank through the implementation of three lines of defense which
defense) yang berfungsi sebagai berikut: function as follows:
1. Lini Pertahanan Pertama merupakan Risk Taking Unit atau 1. The First Line of Defense is Risk Taking Unit or business
unit bisnis dan/atau fungsi pendukung yang bergerak atau unit and/or supporting function that operates or supports
mendukung aktivitas penghasil pendapatan yang memiliki income-generating activities that own and manage risk;
dan mengelola risiko;
2. Lini Pertahanan Kedua terdiri dari Divisi Kepatuhan, Unit 2. The Second Line of Defense consists of the Compliance
Anti Money Laundering (AML) dan Divisi Risk Management/ Division, Anti Money Laundering (AML) Unit, and Risk
Integrated ; dan Management/Integrated Division; and
3. Lini Pertahanan Ketiga adalah SKAI & Anti Fraud. 3. The Third Line of Defense is SKAI & Anti Fraud.
Penerapan manajemen risiko kepatuhan melibatkan berbagai The implementation of compliance risk management involves
pihak dalam Bank. Organisasi manajemen risiko kepatuhan various parties within the Bank. The compliance risk management
melibatkan pengawasan aktif Dewan Komisaris dan Direksi organization involves active supervision of the Board of Commissioners
yang berperan mengawasi kebijakan dan pelaksanaan and the Board of Directors whose role is to oversee the policy and
fungsi kepatuhan dalam pengelolaan risiko kepatuhan serta implementation of compliance function in managing compliance risk
mewujudkan terlaksananya budaya kepatuhan pada semua and realizing the implementation of a compliance culture at all levels
tingkatan organisasi dan kegiatan usaha Bank. Untuk mendukung of the organization and the Bank’s business activities. To support the
pelaksanaan fungsi risiko kepatuhan tersebut, Bank membentuk implementation of compliance risk function, the Bank established
Komite Implementasi dan Pemantauan GCG. GCG Implementation and Monitoring Committee.
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Strategi Manajemen Risiko dan Efektivitas Risk Management Strategy and Effectiveness of
Penerapan Manajemen Risiko Kepatuhan Compliance Risk Management Implementation
Penerapan manajemen risiko kepatuhan disesuaikan dengan ukuran The implementation of compliance risk management is adjusted to
dan kompleksitas usaha Bank tidak terlepas dari pengawasan aktif the Bank’s business size and complexity, which is inseparable from
Dewan Komisaris dan Direksi dalam merumuskan strategi dengan the active supervision of the Board of Commissioners and Board of
memperhatikan tingkat risiko yang akan diambil dan risiko toleransi Directors in formulating strategies by considering the risk appetite
guna mendorong terciptanya budaya kepatuhan, menetapkan and risk tolerance in order to promote the creation of a compliance
sistem dan prosedur yang akan digunakan untuk penyusunan culture, to establish system and procedure that will be used for the
ketentuan dan pedoman internal Bank, serta melakukan tindakan preparation of the Bank’s internal provisions and guidelines, and to
pencegahan agar kebijakan dan/atau keputusan tidak menyimpang take preventive actions so that the policies and/or decisions do not
dari ketentuan dan perundang-undangan yang berlaku. deviate from the applicable provisions, laws and regulations.
Adapun strategi yang diterapkan Bank dalam penerapan Strategies implemented by the Bank in implementing compliance
manajemen risiko kepatuhan, di antaranya sebagai berikut: risk management include the following:
1. Arahan dari Top Manajemen, Direksi yang dikoordinasikan 1. Direction from the Top Management, Board of Directors
oleh kepatuhan mengembangkan dan mengimplementasikan coordinated by compliance to develop and implement a
budaya kepatuhan di dalam organisasi. Kepatuhan culture of compliance within the organization. Compliance
merupakan bagian dari Key Performance Indicator Bank dan is part of the Bank’s Key Performance Indicators and is
disosialisasikan melalui pesan Direktur, pelatihan Bank, dan disseminated through Board of Directors’ messages, the
berbagai pendekatan lainnya; Bank’s training, and other approaches;
2. Menetapkan program Kode Etik dan kepatuhan, di mana 2. Establishing Code of Conduct and compliance program, in
Dewan dan Manajemen Senior, dan semua staf berbagi which the Board and Senior Management, and all staff share
rasa tanggung jawab untuk melindungi aset reputasi dan a sense of responsibility to protect the Bank’s reputation and
keuangan Bank melalui budaya perilaku etis dan kepatuhan financial assets through a culture of ethical behavior and
terhadap peraturan internal dan eksternal; compliance with internal and external regulations;
3. Membangun Budaya Perusahaan yang berintegritas, yang 3. Establishing a Company Culture with integrity, which is
diturunkan dari atas ke bawah. Budaya integritas adalah inti passed down from the top to the bottom. A culture of
dari program etika dan kepatuhan yang efektif; integrity is at the heart of an effective ethics and compliance
4. Penilaian risiko terhadap risiko yang signifikan dan risiko program;
konsentrasi tertinggi dalam organisasi, dan memberikan 4. Risk assessment of significant risks and highest concentration
tindakan dasar yang diperlukan untuk menghindari, risks within the organization, and providing basic actions
memitigasi, atau memulihkan risiko tersebut; required to avoid, mitigate, or remediate such risks;
5. Program pengujian dan pemantauan yang kuat untuk 5. A robust testing and monitoring program to help ensure an
membantu memastikan lingkungan pengendalian efektif; dan effective control environment; and
6. Tindakan penegakan hukum seperti pemantauan 6. Enforcement actions such as ongoing monitoring of
berkelanjutan terhadap kewajiban peraturan. regulatory obligations.
Pemantauan dan Pengendalian Risiko Kepatuhan Monitoring and Controlling Compliance Risk
Pemantauan dan pengendalian yang dilakukan dalam manajemen Monitoring and control carried out in compliance risk
risiko kepatuhan antara lain dengan: management include:
1. Melakukan uji kepatuhan untuk memastikan Bank mematuhi 1. Carrying out compliance test to ensure that the Bank
ketentuan yang berlaku; complies with the applicable regulations;
2. Memantau dampak finansial dan non-finansial dari 2. Monitoring financial and non-financial impacts of the Bank’s
ketidakpatuhan Bank terhadap regulasi secara berkala; non-compliance with regulations on a regular basis;
3. Melakukan pemantauan Kepatuhan Bulanan Key Risk 3. Monitoring Monthly Key Risk Indicator (KRI) Compliance;
Indicator (KRI);
4. Mewujudkan terlaksananya budaya kepatuhan pada seluruh 4. Achieving the implementation of compliance culture at all of
kegiatan usaha Bank di setiap jenjang organisasi, antara lain the Bank’s business activities at every organizational level,
melalui pelaksanaan sosialisasi dan pelatihan atas ketentuan through dissemination and training on the prevailing rules
dan aturan yang berlaku, serta memberikan masukan dan saran and regulations, and providing input and advice to other
kepada unit-unit lain untuk memastikan kepatuhan Bank; units to ensure the Bank’s compliance;
5. Memberikan nasihat kepatuhan untuk direkomendasikan/ 5. Providing compliance advice to be recommended/
dilaksanakan kepada unit kerja terkait, sehubungan dengan implemented to related units, in connection with compliance
masalah kepatuhan dan AML, penilaian kepatuhan atas tinjauan and AML issues, compliance assessment of credit facility
fasilitas kredit, serta penilaian atas permasalahan kepatuhan reviews, as well as assessment of compliance issues in
dalam kebijakan internal/prosedur/produk/aksi korporasi; internal policies/procedures/products/corporate actions;
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
6. Menilai dan mengevaluasi kecukupan, dan kesesuaian 6. Assessing and evaluating the adequacy and conformity of the
kebijakan, ketentuan, sistem maupun prosedur yang dimiliki Bank’s policies, regulations, systems, and procedures against
oleh Bank dengan ketentuan dan peraturan yang berlaku; the applicable provisions and regulations;
7. Memantau atas pelaksanaan prinsip kehati-hatian Bank; 7. Monitoring the implementation of the Bank’s prudential
principles;
8. Mengelola risiko kepatuhan, selain dilakukan melalui uji 8. Managing compliance risk, in addition to conducting
kepatuhan, juga dilakukan melalui pemantauan terhadap compliance tests, is also conducted through monitoring on
pemenuhan komitmen Bank kepada regulator, baik the Bank’s commitment to the regulator, either based on
berdasarkan hasil pemeriksaan regulator maupun melalui regulatory examination results or through correspondence
korespondensi antara Bank dengan regulator; dan between the Bank and the regulator; and
9. Penerapan Anti Pencucian Uang dan Pencegahan Pendanaan 9. Implementing Anti Money Laundering and Counter-Terrorism
Terorisme di perbankan yang terdiri dari 5 (lima) prinsip Funding in banking consisting of 5 (five) main principles,
utama, yaitu: which are:
a. Pengawasan aktif Dewan Komisaris dan Direksi; a. Active monitoring of the Board of Commissioners and
Board of Directors;
b. Kebijakan dan prosedur; b. Policies and procedures;
c. Pengendalian internal; c. Internal control;
d. Sistem informasi manajemen; dan d. Management information system; and
e. Sumber daya manusia dan pelatihan. e. Human resources and training.
Risiko terkait Iklim Climate-related Risks
Di tengah dinamika industri perbankan yang terus berkembang, In the midst of the ever-changing banking industry, climate
perubahan iklim telah muncul sebagai faktor risiko yang signifikan change has emerged as a significant risk factor for the banking
bagi dunia perbankan. Bank menghadapi sejumlah risiko terkait world. Banks face a number of climate-related risks that can
iklim yang dapat memengaruhi keseimbangan keuangan, reputasi, affect their financial balance, reputation, and contribution to
dan kontribusi terhadap stabilitas ekonomi secara keseluruhan. overall economic stability. Some of the climate-related risks
Beberapa risiko terkait iklim yang dihadapi adalah risiko kredit, faced are credit risk, market risk, operational risk, and reputation
risiko pasar, risiko operasional, dan risiko reputasi. risk.
Pada risiko kredit, perubahan iklim dapat memberikan dampak \In credit risk, climate change may have a significant impact on
signifikan pada kinerja keuangan debitur, terutama bagi sektor debtors’ financial performance, particularly for sectors that are
yang rentan terhadap perubahan iklim, seperti pertanian, vulnerable to climate change, such as agriculture, energy, or real
energi, atau real estat. Kondisi cuaca ekstrem, seperti badai estate. Extreme weather conditions, such as storms or drought,
atau kekeringan dapat merugikan kemampuan debitur can harm debtors’ ability to meet obligations, which may lead to
untuk memenuhi kewajiban sehingga dapat menyebabkan increased levels of bad loans.
meningkatnya tingkat kredit macet.
Risiko pasar juga menjadi perhatian, terutama dalam hal aset yang Market risk is also a concern, especially in assets related to
terkait dengan sektor yang rentan terhadap perubahan iklim, seperti sectors that are vulnerable to climate change, such as investment
investasi dalam proyek energi fosil menjadi tidak berkelanjutan in fossil energy projects that turns unsustainable as regulations
seiring dengan meningkatnya regulasi dan tekanan masyarakat and public pressure on renewable energy increase. The value of
terhadap energi terbarukan. Nilai aset-aset tersebut dapat such assets may significantly decline if not managed properly.
mengalami penurunan yang signifikan jika tidak dikelola dengan baik.
Selain itu, risiko operasional dapat meningkat seiring dengan frekuensi Furthermore, operational risk may increase along with the
dan intensitas peristiwa cuaca ekstrem. Gangguan operasional frequent and intense extreme weather events. Operational
akibat banjir, badai, atau kejadian iklim lainnya dapat menyebabkan disruptions due to floods, storms, or other climate events may
penurunan efisiensi operasional, kerugian finansial, dan bahkan lead to decline in operational efficiency, financial loss, and even
kerugian data jika tidak ada langkah-langkah mitigasi yang tepat. data loss if appropriate mitigation measures are not in place.
Aspek reputasi juga merupakan risiko yang signifikan. Bank Reputation aspect is also a significant risk. Banks are increasingly
semakin diawasi oleh masyarakat dan pemangku kepentingan monitored by the public and stakeholders regarding environmental
terkait tanggung jawab lingkungan dan sosial. Keterlibatan and social responsibility. Involvement in financial activities that
334 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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dalam kegiatan keuangan yang mendukung industri-industri support high-emission industries or harm the environment can
beremisi tinggi atau merugikan lingkungan dapat merugikan harm the Bank’s reputation and reduce customer trust.
reputasi Bank dan mengurangi kepercayaan nasabah.
Aspek risiko iklim menjadi salah satu aspek penting dalam The climate risk aspect is an important aspect in making finance
pengambilan keputusan pembiayaan dalam memastikan decisions in order to ensure the sustainability of investment
keberlanjutan portofolio investasi. Integrasi risiko terkait iklim portfolios. The integration of climate-related risk into aspects of
ke dalam aspek tata kelola, strategi bisnis, dan kerangka kerja governance, business strategy, and risk management framework
manajemen risiko menjadi hal yang krusial sebagai bentuk is crucial as a form of application of the prudential principles
penerapan prinsip kehati-hatian serta prinsip just and fair and just and fair transition for all principle in realizing the
transition for all dalam mewujudkan pencapaian Nett Zero achievement of Net Zero Emissions (NZE) in 2060 or earlier.
Emission (NZE) di tahun 2060 atau lebih awal.
Menghadapi risiko terkait iklim ini, Bank mengintegrasikan Facing these climate-related risks, the Bank integrates
pertimbangan iklim dalam strategi bisnis. Bank mengadopsi praktik climate considerations into business strategy. The bank adopts
keuangan berkelanjutan, melakukan evaluasi risiko iklim terpadu, sustainable finance practices, conducts integrated climate risk
dan mengembangkan skenario stres iklim untuk memahami dampak evaluations, and develops climate stress scenarios to understand
potensialnya terhadap portofolio. Selain itu, Bank juga berupaya their potential impact on the portfolio. In addition, the Bank
mendukung proyek-proyek hijau dan berinvestasi dalam inovasi also seeks to support green projects and invest in technology
teknologi yang berkontribusi pada mitigasi perubahan iklim. innovations that contribute to mitigate the climate change.
Evaluasi terhadap Efektivitas Evaluation of Risk Management
Manajemen Risiko Effectiveness
Penerapan sistem manajemen risiko dievaluasi secara berkala The implementation of risk management system is evaluated
oleh Divisi Risk Management/Integrated bersama Divisi/Unit periodically by the Risk Management/Integrated Division
terkait. Evaluasi dilakukan untuk mengidentifikasi kelemahan- together with related Divisions/Units. Evaluation is carried out
kelemahan pelaksanaan pengendalian internal agar Bank dapat to identify weaknesses in the implementation of internal control
mengambil langkah yang tepat untuk meningkatkan strategi so that the Bank can take appropriate steps to improve its risk
pengelolaan risiko sesuai dengan dinamika perkembangan Bank. management strategy in accordance with the dynamics of the
Bank’s development.
Pernyataan Dewan Komisaris dan Direksi Statement of the Board of Commissioners
atas Kecukupan Manajemen Risiko and Board of Directors on the Adequacy of
Risk Management
Dewan Komisaris dan Direksi menilai penerapan sistem The Board of Commissioners and Board of Directors consider that
manajemen risiko tahun 2023 telah berjalan dengan baik. the risk management system implementation in 2023 has run
Seluruh potensi risiko yang teridentifikasi pada tahun buku properly. All potential risks identified in the fiscal year were under
tersebut dapat dikendalikan dengan disertai langkah-langkah control with appropriate and effective mitigation measures.
mitigasi yang tepat dan efektif.
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
Manajemen Risiko Grup Keuangan Victoria
Victoria Financial Group Risk Management
Industri lembaga jasa keuangan memiliki sistem keuangan yang Financial services institution industry has complex and
kompleks, dinamis, dan saling terkait antar sektor jasa keuangan dynamic financial system and are interrelated among financial
yang menyebabkan meningkatnya eksposur risiko. Untuk services leading to the increase in risk exposure. To overcome
mengatasi kondisi tersebut, Grup Keuangan Victoria menerapkan such condition, Victoria Financial Group implements the risk
manajemen risiko secara komprehensif dan terintegrasi. management in a comprehensive and integrated manner.
Dasar Penerapan Manajemen Risiko pada Basis of Risk Management Implementation in
Grup Keuangan Victoria Victoria Financial Group
Berdasarkan Surat Otoritas Jasa Keuangan No. S-66/ PB.33/2021 Based on the Financial Services Authority Letter
tanggal 23 Juni 2021 tentang Perubahan Status Konglomerasi No. S-66/PB.33/2021 dated 23 June 2021 on Changes in Status of
Keuangan Grup Victoria menjadi Grup Keuangan Victoria Victoria Group Financial Conglomeration to Victoria Financial Group and
beserta lampirannya, dan tidak bertentangan dengan ketentuan its attachments, this does not conflict with the provisions of Financial
Peraturan Otoritas Jasa Keuangan terkait Konglomerasi Keuangan Services Authority Regulations regarding Financial Conglomeration
dan Kewajiban Penyediaan Modal Minimum Terintegrasi bagi and Integrated Minimum Capital Adequacy Requirement for Financial
Konglomerasi Keuangan sepanjang dinyatakan tetap berlaku, seperti: Conglomeration, as long as it remains valid, among others:
1. Peraturan Otoritas Jasa Keuangan No. 17/POJK.03/2014 1. Financial Services Authority Regulation No. 17/POJK.03/2014
tanggal 18 November 2014 tentang Penerapan Manajemen dated 18 November 2014, on Implementation of Integrated
Risiko Terintegrasi bagi Konglomerasi Keuangan; Risk Management for Financial Conglomeration;
2. Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2014 2. Financial Services Authority Regulation No. 18/POJK.03/2014
tanggal 18 November 2014 tentang Penerapan Tata Kelola dated 18 November 2014 on Implementation of Integrated
Terintegrasi bagi Konglomerasi Keuangan; dan Governance for Financial Conglomeration; and
3. Peraturan Otoritas Jasa Keuangan No. 26/POJK.03/2015 3. Financial Services Authority Regulation No. 26/POJK.03/2015
tanggal 11 Desember 2015 tentang Kewajiban Penyediaan dated 11 December 2015 on Integrated Minimum Capital
Modal Minimum Terintegrasi bagi Konglomerasi Keuangan. Adequacy Requirement for Financial Conglomeration.
Anggota Grup Keuangan Victoria Members of Victoria Financial Group
Pada tahun 2023, lembaga jasa keuangan yang tergabung dalam In 2023, financial services institutions that are members of the
Grup Keuangan Victoria meliputi: Victoria Financial Group included:
1. PT Bank Victoria International Tbk (Entitas Koordinator); 1. PT Bank Victoria International Tbk (Coordinating Entity);
2. PT Bank Victoria Syariah; 2. PT Bank Victoria Syariah;
3. PT Victoria Manajemen Investasi; 3. PT Victoria Manajemen Investasi;
4. PT Victoria Sekuritas Indonesia; 4. PT Victoria Sekuritas Indonesia;
5. PT Victoria Insurance Tbk; dan 5. PT Victoria Insurance Tbk; dan
6. PT Victoria Alife Indonesia. 6. PT Victoria Alife Indonesia.
Bank Victoria telah ditunjuk sebagai Entitas Koordinator Bank Victoria has been appointed as the Coordinator Entity
dalam Grup Keuangan Victoria berdasarkan Surat Otoritas Jasa within Victoria Financial Group based on the Financial Services
Keuangan No. S-66/PB.33/2021 tanggal 23 Juni 2021 perihal Authority Letter No. S-66/PB.33/2021 dated 23 June 2021 on
Perubahan Status Konglomerasi Keuangan Grup Victoria menjadi Changes in Status of Victoria Group Financial Conglomeration to
Grup Keuangan Victoria. Victoria Financial Group.
Dalam rangka penerapan manajemen risiko yang komprehensif dan In order to implement comprehensive and effective risk management,
efektif, Entitas Koordinator perlu membentuk organisasi manajemen the Coordinating Entity needs to establish an integrated risk
risiko secara terintegrasi dalam Grup Keuangan Victoria, antara management organization within the Victoria Financial Group,
lain Komite Manajemen Risiko Terintegrasi dalam Grup Keuangan among others the Integrated Risk Management Committee in
Victoria dan Satuan Kerja Manajemen Risiko Terintegrasi. Victoria Financial Group and Integrated Risk Management Unit.
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Satuan Kerja Manajemen Risiko Terintegrasi melakukan The Integrated Risk Management Unit is tasked with monitoring
pemantauan eksposur risiko pada anggota Grup Keuangan risk exposure of Victoria Financial Group members and providing
Victoria serta memberikan informasi kepada Komite Manajemen information to the Integrated Risk Management Committee
Risiko Terintegrasi dalam Grup Keuangan Victoria akan hal-hal within Victoria Financial Group on matters requiring follow
yang perlu ditindaklanjuti terkait hasil evaluasi dari pemantauan up on the evaluation results from monitoring integrated risk
terhadap penerapan manajemen risiko secara terintegrasi. management implementation.
Penerapan manajemen risiko pada Grup Keuangan Victoria The integrated risk management in Victoria Financial Group is
secara terintegrasi dilakukan melalui pendekatan berdasarkan implemented through a risk-based approach with the following
risiko dengan prinsip-prinsip: principles:
1. Agregasi Risiko 1. Risk Aggregation
Penilaian risiko didasarkan pada risiko yang terdapat Comprehensive risk assessment based on risks found in
dalam Grup Keuangan Victoria secara menyeluruh dengan Victoria Financial Group by considering the arising impact on
memperhatikan dampak yang ditimbulkan terhadap kondisi Victoria Financial Group’s condition.
Grup Keuangan Victoria.
2. Holistik 2. Holistic
Penilaian risiko dilakukan dengan melihat keterkaitan Risk assessment performed by looking at the link between
antara satu faktor dengan faktor lainnya, sehingga diperoleh one factor and another in order to reach a conclusion that
kesimpulan yang memberikan gambaran mengenai risiko gives an overall picture of risks in Victoria Financial Group.
Grup Keuangan Victoria secara keseluruhan.
3. Signifikansi/Materialitas dan Proporsionalitas 3. Significance/Materiality and Proportionality
Penilaian risiko dilakukan dengan memperhatikan signifikansi/ Risk assessment carried out with due regard to the risk
materialitas risiko secara proporsional pada Grup Keuangan significance/materiality in a proportional manner in Victoria
Victoria secara keseluruhan dengan memperhatikan struktur, Financial Group as a whole, by considering the structure,
karakteristik, dan kompleksitas dari Grup Keuangan Victoria. characteristics, and complexity of Victoria Financial Group.
4. Komprehensif dan terstruktur, yaitu penilaian risiko dilakukan 4. Comprehensive and structured, means risk assessment carried
dengan analisis mendalam dengan memperhatikan faktor- out in an in-depth analysis by considering comprehensive,
faktor penilaian secara luas, lengkap, dan utuh. complete, and intact assessment factors.
Pilar Penerapan Manajemen Risiko Grup Pillars of Integrated Risk Management
Keuangan Victoria secara Terintegrasi Implementation of Victoria Financial Group
Pengawasan Dewan Komisaris dan Supervision of the Board of Commissioners and
Direksi Entitas Koordinator Board of Directors of the Coordinating Entity
Dewan Komisaris dan Direksi Entitas Koordinator memastikan The Board of Commissioners and Board of Directors of the
atas efektivitas penerapan Manajemen Risiko dalam Grup Coordinating Entity ensure the effectiveness of Risk Management
Keuangan Victoria. implementation in Victoria Financial Group.
Selain melaksanakan wewenang dan tanggung jawab dalam Apart from exercising authority and responsibilities in order to
rangka penerapan manajemen risiko Grup Keuangan Victoria, implement risk management in Victoria Financial Group, the Board
Dewan Komisaris dan Direksi Entitas Koordinator juga tetap of Commissioners and Board of Directors of the Coordinating
melaksanakan wewenang dan tanggung jawabnya dalam rangka Entity also exercise their authority and responsibilities in order
penerapan manajemen risiko pada Entitas Koordinator, sesuai to implement risk management in the Coordinating Entity, in
dengan ketentuan yang berlaku bagi Entitas Koordinator. accordance with the provisions applicable to the Coordinating Entity.
Kecukupan Kebijakan, Prosedur, dan Adequacy of Policies, Procedures, and Limit
Penetapan Limit
Kebijakan manajemen risiko Grup Keuangan Victoria merupakan Establishment The risk management policies of Victoria Financial
arahan tertulis dalam menerapkan manajemen risiko sesuai Group are written direction in implementing risk management in
dengan karakteristik dan kompleksitas kegiatan dan praktik usaha accordance with the characteristics and complexity of activities
yang sehat. Dalam mendukung efektivitas penerapan manajemen and sound business practices. In supporting the effectiveness
risiko Grup Keuangan Victoria secara terintegrasi, di mana dalam of integrated risk management implementation in Victoria
pelaksanaannya telah dilengkapi dengan Kebijakan Manajemen Financial Group, its implementation has been equipped with
Risiko Grup Keuangan Victoria yang disesuaikan dengan strategi Victoria Financial Group Risk Management Policies that are
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Struktur Permodalan dan Manajemen Risiko
Capital Structure and Risk Management
manajemen risiko dengan memperhatikan tingkat risiko yang akan adjusted to the risk management strategies by considering the
diambil (risk appetite) dan toleransi risiko (risk tolerance) atau limit risk appetite and risk tolerance or limits. According to Victoria
sesuai karaterisktik dan kompleksitas usaha Grup Keuangan Victoria. Financial Group’s business characteristics and complexity.
Kecukupan Proses Identifikasi, Pengukuran, Adequacy of Process of Risk Identification,
Pemantauan dan Pengendalian serta Sistem Measurement, Monitoring, and Control, as well
Informasi Manajemen Risiko as Risk Management Information System
Secara berkesinambungan, Grup Keuangan Victoria terus On an ongoing basis, Victoria Financial Group keeps improving
menyempurnakan proses manajemen risiko secara komprehensif. its risk management process comprehensively. This is intended
Hal tersebut bertujuan agar informasi yang berpotensi merugikan so that information on potential harm in an integrated manner
secara terintegrasi dalam Grup Keuangan Victoria dapat diketahui within Victoria Financial Group can be detected as early as
sedini mungkin, sehingga dapat mengambil tindakan yang possible, so that sufficient actions can be taken to mitigate the
memadai untuk memitigasi dampak risiko seminimal mungkin. risk impact to be as minimum as possible.
Proses identifikasi risiko dilakukan secara proaktif, termasuk Risk identification process is performed pro-actively, including all
dampak yang ditimbulkan. Selanjutnya, dilakukan pengukuran, impacts that may be incurred. Thereafter, all business activities
pemantauan, dan pengendalian terhadap seluruh aktivitas usaha of each Victoria Financial Group are measured, monitored,
masing-masing Grup Keuangan Victoria yang didukung oleh and controlled, with adequate support of risk management
sistem informasi manajemen risiko secara memadai. information system.
Pada proses manajemen risiko Grup Keuangan Victoria secara In the integrated risk management process of Victoria Financial
terintegrasi, seluruh lembaga jasa keuangan di dalam Grup Group, all financial services institutions within Victoria Financial
Keuangan Victoria saling bersinergi dalam melaksanakan Group are in synergy in carrying out business activities/
aktivitas bisnis/transaksi dengan tetap mengacu kepada prinsip transactions by still referring to the principle of arm length and
arm length dan pengelolaan yang berbasis risiko. risk-based management.
Sistem Pengendalian Internal terhadap Internal Control System on Integrated Risk
Penerapan Manajemen Risiko Terintegrasi Management Implementation
Melalui fungsi pengendalian internal, Grup Keuangan Victoria Through internal control function, Victoria Financial Group
senantiasa melakukan upaya-upaya untuk mengelola dan always makes efforts to manage and control the risks. In order
mengendalikan risiko. Dalam rangka melaksanakan pengendalian to implement risk control, the Coordinating Entity ensures that
risiko, Entitas Koordinator memastikan grup keuangan memiliki the financial group has a risk-based approach method to control
metode risk base approach untuk mengendalikan risiko atas risiko risks for risks that may endanger the financial group’s business
yang dapat membahayakan kelangsungan usaha grup keuangan. continuity.
Secara umum, pengendalian internal terdiri dari serangkaian In general, internal control consists of a set of procedures or
prosedur atau proses yang memastikan organisasi tetap pada processes that ensure the organization stays on track to achieve
jalurnya untuk mencapai tujuan yang ditetapkan. Adapun its stated objectives. The operational activity control process of
proses pengendalian aktivitas operasional masing-masing each member of Victoria Financial Group is carried out through
Grup Keuangan Victoria dilakukan melalui tindakan-tindakan control activities in every action within the organization structure.
pengendalian pada setiap tindakan dalam struktur organisasi. This is carried out with intention to ensure:
Hal tersebut bertujuan untuk memastikan:
1. Kepatuhan terhadap kebijakan atau ketentuan internal serta 1. Compliance with internal policies and provisions, and the
peraturan perundang-undangan yang berlaku; applicable laws and regulations;
2. Tersedianya informasi keuangan dan manajemen yang 2. The availability of financial and management information
lengkap, akurat, tepat guna, dan tepat waktu; dan that is complete, accurate, appropriate, and timely; and
3. Efektivitas budaya risiko (risk culture) pada organisasi grup 3. The effectiveness of risk culture in the financial group
keuangan secara menyeluruh. organization in overall.
Penjelasan di atas tertuang dalam Surat Keputusan Direksi The aforementioned explanation is contained in the Board of
No. 003/SK-DIR/08/21 tanggal 20 Agustus 2021 tentang Kebijakan Directors’ Decision Letter No. 003/SK-DIR/08/21 dated 20 August
dan Pedoman Umum Manajemen Risiko Grup Keuangan Victoria. 2021 on Risk Management Policies and General Guidelines of
Victoria Financial Group.
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Struktur Organisasi dan Keanggotaan Organizational Structure and Composition of
Manajemen Risiko Grup Keuangan Victoria Victoria Financial Group Risk Management
Terkait dengan penerapan manajemen risiko terintegrasi In relation to the integrated risk management implementation
dalam Grup Keuangan Victoria, maka Entitas Koordinator telah within Victoria Financial Group, the Coordinating Entity has
membentuk: established:
1. Komite Manajemen Risiko Terintegrasi dalam Grup Keuangan 1. Integrated Risk Management Committee within Victoria
Victoria; dan Financial Group; and
2. Satuan Kerja Manajemen Risiko Terintegrasi. 2. Integrated Risk Management Work Unit.
Komite Manajemen Risiko Terintegrasi dalam Integrated Risk Management Committee in
Grup Keuangan Victoria Victoria Financial Group
Uraian terkait Komite Manajemen Risiko Terintegrasi dalam Grup Description of the Financial Group Risk Management Committee
Keuangan Victoria dapat dilihat pada bab Tata Kelola Perusahaan can be found in the Corporate Governance chapter of this
pada Laporan Tahunan ini. Annual Report.
Satuan Kerja Manajemen Risiko Terintegrasi Integrated Risk Management Work Unit
Satuan Kerja Manajemen Risiko Terintegrasi merupakan pejabat The Integrated Risk Management Work Unit is the executive
eksekutif yang berada satu tingkat di bawah Direksi yang memimpin officer of one level below the Board of Director, who is in charge of
satuan kerja operasional dan/atau fungsi/satuan kerja manajemen an operational work unit and/or risk management function/work
risiko. Pada Entitas Koordinator, Risk Management/ Integrated unit. In the Coordinator Entity, the Risk Management/Integrated
Division dipimpin oleh seorang Kepala Divisi yang bertanggung Division is led by a Division Head who is directly responsible to the
jawab langsung kepada Direktur Kepatuhan dan Manajemen Risiko. Director of Compliance and Risk Management.
Satuan Kerja Manajemen Risiko Terintegrasi merupakan satuan The Integrated Risk Management Work Unit Is an independent
kerja independen yang terpisah dengan satuan kerja yang work unit separated from the work unit performing the internal
melaksanakan fungsi pengendalian internal dan Satuan Kerja control function and Operational Work Unit (risk taking unit)
Operasional pada setiap anggota Grup Keuangan Victoria. Selain in each member of Victoria Group financial conglomeration.
itu, dalam penerapan manajemen risiko secara terintegrasi Furthermore, implementation of integrated risk management
dalam Grup Keuangan Victoria harus bebas dari benturan shall be free from conflict of interest among members of Victoria
kepentingan antara anggota Grup Keuangan Victoria dengan Group financial conglomeration and the Main Entity.
Entitas Koordinator.
Untuk memastikan efektivitas dan kecukupan sistem manajemen To ensure the effectiveness and adequacy of the integrated
risiko terintegrasi, Satuan Kerja Manajemen Risiko Terintegrasi risk management system, the Integrated Risk Management
secara berkesinambungan terus melakukan pengelolaan risiko Unit continuously manages the risk by conducting periodic
dan peninjauan ulang secara berkala. reassessment.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 339
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Tabel Utama (Key metrics) - Bank secara individual
340
Main Table (Key Metrics) - Bank Individually (dalam jutaan rupiah / in million Rupiah)
Periode
Period
31 Desember 31 Desember
No Deskripsi 30 September Description
2023 2022
2023 30 Juni 2023 31 Maret 2023
31 December 31 December
30 September 30 June 2023 31 March 2023
2023 2022
2023
(Audited) (Audited)
Modal yang Tersedia (nilai) Available Capital
1. Modal Inti Utama (CET1) 3.287.239 3.243.320 3.254.998 3.248.197 3.201.440
2. Modal Inti (Tier 1) 3.287.239 3.243.320 3.254.998 3.248.197 3.201.440
Capital Structure and Risk Management
3. Total Modal
Struktur Permodalan dan Manajemen Risiko
3.820.092 3.793.696 3.841.623 3.881.434 3.876.115
Aset Tertimbang Menurut Risiko (Nilai)
4 Total Aset Tertimbang Menurut Risiko (ATMR) 19.150.900 18.275.488 18.419.711 16.259.931 17.640.015
Rasio Modal berbasis Risiko dalam bentuk persentase dari ATMR
5 Rasio CET1 (%) 17,16% 17,75% 17,67% 17,90% 18,15%
6 Rasio Tier 1 (%) 17,16% 17,75% 17,67% 17,90% 18,15%
7 Rasio Total Modal (%) 19,95% 20,76% 20,86% 21,39% 21,97%
Tambahan CET1 yang berfungsi sebagai buffer dalam bentuk persentase dari ATMR *
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
8 Capital conservation buffer (2.5% dari ATMR) (%) 0,00% 0,00% 0,00% 0,00% 0,00%
9 Countercyclical Buffer (0 - 2.5% dari ATMR) (%) 0,00% 0,00% 0,00% 0,00% 0,00%
Capital Surcharge untuk Bank Sistemik (1% - 2.5%)
10 0,00% 0,00% 0,00% 0,00% 0,00%
(%)
11 Total CET1 sebagai buffer (Baris 8 + Baris 9 + Baris 10) 0,00% 0,00% 0,00% 0,00% 0,00%
12 Komponen CET1 untuk buffer 12,66% 0,00% 0,00% 0,00% 0,00%
Rasio pengungkit sesuai Basel III *
13 Total Eksposur 31.777.040 29.589.067 28.735.844 27.624.629 27.470.064
Nilai Rasio Pengungkit, termasuk dampak dari
penyesuaian terhadap pengecualian sementara
14 10,84% 11,59% 12,04% 12,51% 12,31%
atas penempatan giro pada Bank Indonesia dalam
rangka memenuhi ketentuan GWM (jika ada)
Nilai Rasio Pengungkit, tidak termasuk dampak dari
penyesuaian terhadap pengecualian sementara
14b 10,34% 11,00% 11,33% 11,76% 12,02%
atas penempatan giro pada Bank Indonesia dalam
rangka memenuhi ketentuan GWM (jika ada)
Page 343
Periode
Period
31 Desember 31 Desember
No Deskripsi 30 September Description
2023 2022
2023 30 Juni 2023 31 Maret 2023
31 December 31 December
30 September 30 June 2023 31 March 2023
2023 2022
2023
(Audited) (Audited)
Nilai Rasio Pengungkit, termasuk dampak dari
penyesuaian terhadap pengecualian sementara atas
penempatan giro pada Bank Indonesia dalam rangka
14c 10,85% 11,55% 12,04% 12,51% 12,04%
memenuhi ketentuan GWM (jika ada), yang telah
memasukkan nilai rata-rata dari nilai tercatat aset
Securities Financing Transaction (SFT) secara gross
Nilai Rasio Pengungkit, tidak termasuk dampak dari
penyesuaian terhadap pengecualian sementara
atas penempatan giro pada Bank Indonesia dalam
14d 10,34% 10,96% 11,33% 11,76% 11,65%
rangka memenuhi ketentuan GWM (jika ada), yang
telah memasukkan nilai rata-rata dari nilai tercatat
aset SFT secara gross
Rasio Kecukupan Likuiditas (LCR) **
15 Total Aset Likuid Berkualitas Tinggi (HQLA) 0,00 0,00 0,00 0,00 0,00
16 Total Arus Kas Keluar Bersih (net cash outflow) 0,00 0,00 0,00 0,00 0,00
17 LCR (%) 0,00% 0,00% 0,00% 0,00% 0,00%
Rasio Pendanaan Stabil Bersih (NSFR) ***
18 Total Pendanaan Stabil yang Tersedia (ASF) 0,00 0,00 0,00 0,00 0,00
19 Total Pendanaan Stabil yang Diperlukan (RSF) 0,00 0,00 0,00 0,00 0,00
20 NSFR (%) 0,00% 0,00% 0,00% 0,00% 0,00%
Analisis Kualitatif
Qualitative Analysis
1. Capital Adequency Ratio (CAR) pada 31 Desember 2023 adalah sebesar 19.95%, turun 0.81% dari posisi 30
September 2023. Penurunan ini disebabkan adanya penurunan laba tahun berjalan yang terjadi bulan
desember tahun 2023. Rasio Total Modal berada di atas ketentuan regulator yaitu paling rendah sebesar 8%.
2. Leverage Ratio pada 31 Desember 2023 adalah sebesar 10.34% atau berada diatas ketentuan Otoritas Jasa
Keuangan (OJK) yaitu paling rendah sebesar 3% sebagaimana yang diwajibkan di POJK No. 31/POJK.03./2019.
3. Bank belum melakukan perhitungan LCR dan NSFR sesuai POJK No. 4/POJK.03/2015 dan POJK No. 50/
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
POJK.03/2017.”
* Pengungkapan kuantitatif sesuai Peraturan Otoritas Jasa Keuangan No. 31/POJK.03/2019
** Pengungkapan kuantitatif sesuai Peraturan Otoritas Jasa Keuangan No. 42/POJK.03/2015
*** Pengungkapan kuantitatif sesuai Peraturan Otoritas Jasa Keuangan No. 50/POJK.03/2017
341
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Tabel Perbedaan antara Cakupan Konsolidasi dan Mapping pada Laporan Keuangan sesuai Standar Akuntansi Keuangan dengan Kategori
342
Risiko sesuai dengan Ketentuan Otoritas Jasa Keuangan Kategori Risiko (LI1) Tabel Utama (Key metrics) - Bank secara individual
Table of Difference between Consolidated and Mapping Coverage on the Financial Statements in Accordance with the Financial
Accounting Standards with Risk Categories in Accordance with the Financial Services Authority Provisions for Risk Category (LI1) (dalam jutaan rupiah / in million Rupiah)
Nilai tercatat masing-masing risiko
Nilai tercatat
Nilai tercatat
sebagaimana Tidak mengacu pada
berdasarkan
tercantum dalam Sesuai persyaratan permodalan
prinsip Sesuai Sesuai Sesuai
publikasi laporan kerangka atau berdasarkan
Deskripsi kehati-hatian kerangka kerangka kerangka Description
keuangan counterparty pengurangan modal
risiko kredit sekuritisasi risiko pasar
credit risk
Capital Structure and Risk Management
Struktur Permodalan dan Manajemen Risiko
ASET
Kas 92.821 92.821 92.821 - - - -
Penempatan pada Bank Indonesia 1.853.024 1.853.024 1.853.024 - - - -
Penempatan Pada Bank lain 852.719 852.719 852.719 - - - -
Tagihan spot dan derivatif/forward 203 203 - - - - 203
Surat Berharga yang Dimiliki 6.285.564 6.285.564 5.264.525 - 8.508 1.012.530 1
Surat berharga yang dijual dengan
janji dibeli kembali (repo) - - - - - - -
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Tagihan atas Surat Berharga yang
dibeli dengan janji dijual kembali 636.733 636.733 - - - - 636.733
(Reverse Repo)
Tagihan Akseptasi 12.475 12.475 12.475 - - - -
Kredit yang diberikan 18.628.743 18.628.743 18.628.743 - - - -
Pembiayaan Syariah - - - - - - -
Penyertaan modal 215.931 215.931 215.931 - - - -
Aset keuangan lainnya 368.408 368.408 365.356 - - - 3.052
Cadangan Kerugian Penurunan
Nilai Aset Keuangan -/-
a. Surat berharga yang dimiliki (8.272) (8.272) - - - - (8.272)
b. Kredit yang diberikan dan
pembiayaan syariah (574.872) (574.872) (462.066) - - - (112.806)
Page 345
Nilai tercatat masing-masing risiko
Nilai tercatat
Nilai tercatat
sebagaimana Tidak mengacu pada
berdasarkan
tercantum dalam Sesuai persyaratan permodalan
prinsip Sesuai Sesuai Sesuai
publikasi laporan kerangka atau berdasarkan
Deskripsi kehati-hatian kerangka kerangka kerangka Description
keuangan counterparty pengurangan modal
risiko kredit sekuritisasi risiko pasar
credit risk
c. Lainnya (1.001) (1.001) - - - - (1.001)
Aset Tidak Berwujud 23.819 23.819 - - - - 23.819
Akumulasi Amortisasi Aset Tidak
Berwujud -/- (15.627) (15.627) - - - - (15.627)
Aset Tetap dan Inventaris 505.087 505.087 423.227 - - - 81.860
Akumulasi Penyusutan Aktiva
Tetap dan Inventaris -/- (81.859) (81.859) - - - - (81.859)
Aset Non Produktif
a. Properti terbengkalai 33.795 33.795 - - - - 33.795
b. Agunan yang diambil alih 550.616 550.616 550.616 - - - -
c. Rekening tunda 3.495 3.495 - - - - 3.495
d. Aset antarkantor - - - - - - -
Aset Lainnya 242.439 242.439 116.725 - - - 125.714
Total aset 29.624.241 29.624.241 27.914.096 - 8.508 1.012.530 689.107
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
343
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344
Nilai tercatat masing-masing risiko
Nilai tercatat
Nilai tercatat
sebagaimana Tidak mengacu pada
berdasarkan
tercantum dalam Sesuai persyaratan permodalan
prinsip Sesuai Sesuai Sesuai
publikasi laporan kerangka atau berdasarkan
Deskripsi kehati-hatian kerangka kerangka kerangka Description
keuangan counterparty pengurangan modal
risiko kredit sekuritisasi risiko pasar
credit risk
LIABILITAS DAN EKUITAS
LIABILITAS
Capital Structure and Risk Management
Giro 2.484.506 2.484.506 - - - - 1.327.022
Struktur Permodalan dan Manajemen Risiko
Tabungan 2.881.781 2.881.781 - - - - 3.158.543
Deposito 17.062.893 17.062.893 - - - - 14.821.300
Uang Elektronik - - - - - - -
Liabilitas kepada Bank Indonesia - - - - - - -
Liabilitas kepada bank lain 1.104.803 1.104.803 - - - - 1.045.673
Liabilitas spot dan derivatif/
forward 74 74 - - - - 21
Liabilitas atas surat berharga yang
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
dijual dengan janji dibeli kembali 643.267 643.267 - - - - -
(repo)
Liabilitas akseptasi 11.960 11.960 - - - - -
Surat berharga yang diterbitkan 1.347.640 1.347.640 - - - - 498.308
Pinjaman/Pembiayaan yang diterima - - - - - - 900.212
Setoran jaminan 761 761 - - - - -
Liabilitas antar kantor - - - - - - -
Liabilitas lainnya 261.770 261.770 - - - - 181.640
Kepentingan minoritas (minority
interest) - - - - - - 17
Total liabilitas 25.799.455 25.799.455 - - - - 25.799.455
EKUITAS
Page 347
Nilai tercatat masing-masing risiko
Nilai tercatat
Nilai tercatat
sebagaimana Tidak mengacu pada
berdasarkan
tercantum dalam Sesuai persyaratan permodalan
prinsip Sesuai Sesuai Sesuai
publikasi laporan kerangka atau berdasarkan
Deskripsi kehati-hatian kerangka kerangka kerangka Description
keuangan counterparty pengurangan modal
risiko kredit sekuritisasi risiko pasar
credit risk
Modal disetor
a. Modal dasar 4.100.000 4.100.000 - - - - 4.100.000
b. Modal yang belum disetor -/- (2.515.176) (2.515.176) - - - - (2.515.176)
c. Saham yang dibeli kembali
(treasury stock) -/- - - - - - - -
Tambahan modal disetor
a. Agio 668.685 668.685 - - - - 668.685
b. Disagio -/- - - - - - - -
c. Dana setoran modal - - - - - - -
d. Lainnya - - - - - - -
Penghasilan komprehensif lain
a. Keuntungan 385.091 385.091 - - - - 385.091
b. Kerugian -/- - - - - - - -
Cadangan
a. Cadangan umum 202.200 202.200 - - - - 202.200
b. Cadangan tujuan - - - - - - -
Laba/rugi
a. Tahun-tahun lalu 882.170 882.170 - - - - 882.170
b. Tahun berjalan 101.816 101.816 - - - - 101.816
c. Dividen yang dibayarkan -/- Total
Ekuitas Yang Dapat Diatrebusikan - - - - - - -
Kepada Pemilik
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
Total Ekuitas 3.824.786 3.824.786 - - - - 3.824.786
Total liabilitas dan Ekuitas 29.624.241 29.624.241 - - - - 29.624.241
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Tabel Perbedaan Utama antara Nilai Tercatat sesuai Standar Akuntansi Keuangan dengan Nilai Eksposur sesuai dengan
346
Ketentuan OJK (LI2)
Table of Key Differences between Carrying Value in Accordance with the Financial Accounting Standards and Exposure Value in
Accordance with the Financial Services Authority Regulations (LI2) (dalam jutaan rupiah / in million Rupiah)
Kerangka
Kerangka risiko Kerangka Kerangka risiko
Counterparty
kredit sekuritisasi pasar
Deskripsi Total credit risk
Nilai tercatat aset sesuai dengan cakupan konsolidasi ketentuan kehati-hatian (sebagaimana dilaporkan
pada tabel LI1) 29.624.241 27.914.096 8.508 0 1.012.530
Nilai tercatat liabilitas sesuai lingkup sesuai dengan cakupan konsolidasi ketentuan kehati-hatian
(sebagaimana dilaporkan pada tabel LI1) 25.799.455 - - - -
Capital Structure and Risk Management
Total nilai bersih sesuai dengan cakupan konsolidasi ketentuan kehati-hatian 3.824.786 27.914.096 8.508 0 1.012.530
Struktur Permodalan dan Manajemen Risiko
Nilai rekening administratif 6.333.608 6.333.608 - - -
Perbedaan valuasi - - - - -
Perbedaan antara netting rules, selain dari yang termasuk pada baris 2. - - - - -
Perbedaan provisi - - - - -
Perbedaan prudential filters - - - - -
Nilai eksposur yang dipertimbangkan,
sesuai dengan cakupan konsolidasi ketentuan kehati-hatian - - - - -
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Tabel Penjelasan mengenai perbedaan antara nilai eksposur sesuai Standar Akuntansi Keuangan dengan Ketentuan OJK (LIA)
Tidak terdapat perbedaan antara nilai tercatat sesuai standar akuntansi keuangan, sebagaimana dilaporkan pada laporan keuangan dan nilai eksposur sesuai ketentuan kehati-hatian
Page 349
Tabel Komposisi Permodalan (CC1) - Bank secara individual
Table of Capital Composition (CC1) – Bank Individually (dalam jutaan rupiah / in million Rupiah)
31 Desember 2023
No Deskripsi
31 December 2023
Modal Inti Utama (Common Equity Tier I)/CET 1: Instrumen dan Tambahan Modal Disetor
1 Saham biasa (termasuk stock surplus) 2.253.508
2 Laba ditahan 983.986
3 Akumulasi penghasilan komprehensif lain (dan cadangan lain) 601.488
4 Modal yang termasuk phase out dari CET1 N/A
5 Kepentingan Non Pengendali yang dapat diperhitungkan -
6 CET1 sebelum regulatory adjustment 3.287.238
CET 1: Faktor Pengurang (Regulatory Adjustment)
7 Selisih kurang jumlah penyesuaian nilai wajar dari instrumen keuangan dalam trading book -
8 Goodwill -
9 Aset tidak berwujud lainnya (selain Mortgage-Servicing Rights) (8.193)
10 Aset pajak tangguhan yang berasal dari future profitability N/A
11 Cash-flow hedge reserve N/A
12 Shortfall on provisions to expected losses N/A
13 Keuntungan penjualan aset dalam transaksi sekuritisasi -
14 Peningkatan/ penurunan nilai wajar atas kewajiban keuangan (DVA) -
15 Aset pensiun manfaat pasti N/A
16 Investasi pada saham sendiri (jika belum di net dalam modal di Laporan Posisi Keuangan) N/A
17 Kepemilikan silang pada instrumen CET 1 pada entitas lain -
Investasi pada modal bank, entitas keuangan dan asuransi diluar cakupan konsolidasi secara ketentuan, net posisi short yang diperkenankan, dimana Bank tidak memiliki lebih dari 10% modal
18 N/A
saham yang diterbitkan (jumlah di atas batasan 10%)
19 Investasi signifikan pada saham biasa Bank, entitas keuangan dan asuransi diluar cakupan konsolidasi secara ketentuan, net posisi short yang diperkenankan (jumlah di atas batasan 10%) N/A
20 Mortgage servicing rights -
21 Aset pajak tangguhan yang berasal dari perbedaan temporer (jumlah di atas batasan 10%, net dari kewajiban pajak) N/A
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
22 Jumlah melebihi batasan 15% dari: N/A
23 Investasi signifikan pada saham biasa financials N/A
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348
31 Desember 2023
No Deskripsi
31 December 2023
24 Mortgage servicing rights N/A
25 Pajak tangguhan dari perbedaan temporer N/A
26 Penyesuaian berdasarkan ketentuan spesifik nasional
26a. Selisih PPKA dan CKPN -
26b. PPKA non produktif (346.883)
26c. Aset Pajak Tangguhan (163.004)
26d. Penyertaan -
26e. Kekurangan modal pada perusahaan anak asuransi N/A
Capital Structure and Risk Management
26f. Eksposur sekuritisasi -
Struktur Permodalan dan Manajemen Risiko
26g. Lainnya -
27 Penyesuaian pada CET 1 akibat AT 1 dan Tier 2 lebih kecil daripada faktor pengurangnya -
28 Jumlah pengurang (regulatory adjustment) terhadap CET 1 (518.080)
29 Jumlah CET 1 setelah faktor pengurang 2.769.158
Modal Inti Tambahan (AT 1): Instrumen
30 Instrumen AT 1 yang diterbitkan oleh Bank (termasuk stock surplus) -
31 Yang diklasifikasikan sebagai ekuitas berdasarkan standar akuntansi -
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
32 Yang diklasifikasikan sebagai liabilitas berdasarkan standar akuntansi -
33 Modal yang termasuk phase out dari AT 1 N/A
34 Instrumen AT 1 yang diterbitkan oleh Entitas Anak yang diakui dalam perhitungan KPMM secara konsolidasi -
35 Instrumen yang diterbitkan Entitas Anak yang termasuk phase out N/A
36 Jumlah AT 1 sebelum regulatory adjustment -
Modal Inti Tambahan: Faktor Pengurang (Regulatory Adjustment)
37 Investasi pada instrumen AT 1 sendiri N/A
38 Kepemilikan silang pada instrumen AT 1 pada entitas lain -
Investasi pada modal bank, entitas keuangan dan asuransi diluar cakupan konsolidasi secara ketentuan, net posisi short yang diperkenankan, dimana Bank tidak memiliki lebih dari 10% modal
39 N/A
saham yang diterbitkan (jumlah di atas batasan 10%)
40 Investasi signifikan pada modal Bank, entitas keuangan dan asuransi di luar cakupan konsolidasi secara ketentuan (net posisi short yang diperkenankan) N/A
41 Penyesuaian berdasarkan ketentuan spesifik nasional
Page 351
31 Desember 2023
No Deskripsi
31 December 2023
41a. Penempatan dana pada instrumen AT 1 pada Bank lain -
42 Penyesuaian pada AT 1 akibat Tier 2 lebih kecil daripada faktor pengurangnya -
43 Jumlah faktor pengurang (regulatory adjustment) terhadap AT 1 -
44 Jumlah AT 1 setelah faktor pengurang -
45 Jumlah Modal Inti (Tier 1) (CET 1 + AT 1) 2.769.158
Modal Pelengkap (Tier 2): Instrumen dan cadangan
46 Instrumen Tier 2 yang diterbitkan oleh Bank (termasuk stock surplus) 337.500
47 Modal yang yang termasuk phase out dari Tier 2 N/A
48 Instrumen Tier 2 yang diterbitkan oleh Entitas Anak yang diakui dalam perhitungan KPMM secara konsolidasi -
49 Modal yang diterbitkan Entitas Anak yang termasuk phase out N/A
50 Cadangan umum PPKA atas aset produktif yang wajib dihitung dengan jumlah paling tinggi sebesar 1,25% dari ATMR untuk Risiko Kredit 195.353
51 Jumlah Modal Pelengkap (Tier 2) sebelum faktor pengurang 532.853
Modal Pelengkap (Tier 2): Faktor Pengurang (Regulatory Adjustment)
52 Investasi pada instrumen Tier 2 sendiri N/A
53 Kepemilikan silang pada instrumen Tier 2 pada entitas lain N/A
Investasi pada kewajiban TLAC modal bank, entitas keuangan dan asuransi diluar cakupan konsolidasi secara ketentuan, net posisi short yang diperkenankan, di mana Bank tidak memiliki lebih
54 N/A
dari 10% modal saham yang diterbitkan; nilai sebelumnya ditetapkan dengan threshold 5% namun tidak lagi memenuhi kriteria (untuk bank Sistemik)
55 Investasi signifikan pada modal atau instrumen TLAC Bank, entitas keuangan dan asuransi di luar cakupan konsolidasi secara ketentuan (net posisi short yang diperkenankan) N/A
56 Penyesuaian berdasarkan ketentuan spesifik nasional
56a. Sinking fund -
56b. Penempatan dana pada instrumen Tier 2 pada Bank lain -
57 Jumlah faktor pengurang (regulatory adjustment) Modal Pelengkap -
58 Jumlah Modal Pelengkap (Tier 2) setelah regulatory adjustment 532.853
59 Total Modal (Modal Inti + Modal Pelengkap) 3.302.011
60 Total Aset Tertimbang Menurut Risiko (ATMR) 19.150.900
Rasio Kecukupan Pemenuhan Modal Minimum (KPMM) dan Tambahan Modal (Capital Buffer)
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
61 Rasio CET 1 (persentase terhadap ATMR) 17,16%
62 Rasio Modal Inti Tier 1 (persentase terhadap ATMR) 17,16%
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350
31 Desember 2023
No Deskripsi
31 December 2023
63 Rasio Total Modal (persentase terhadap ATMR) 19,95%
64 Buffer (persentase terhadap ATMR) N/A
65 Capital Conservation Buffer N/A
66 Countercyclical Buffer N/A
67 higher loss absorbency requirement N/A
Untuk bank umum konvensional: CET 1 yang tersedia untuk memenuhi Buffer (persentase terhadap ATMR)
68 Untuk kantor cabang dari Bank yang berkedudukan di luar negeri: Bagian Dana Usaha yang ditempatkan dalam CEMA (diungkapkan sebagai persentase dari ATMR) yang tersedia untuk -
memenuhi Buffer.
National minima (jika berbeda dari Basel 3)
Capital Structure and Risk Management
69 Rasio terendah CET 1 nasional (jika berbeda dengan Basel 3) N/A
Struktur Permodalan dan Manajemen Risiko
70 Rasio terendah Tier 1 nasional (jika berbeda dengan Basel 3) N/A
71 Rasio terendah total modal nasional (jika berbeda dengan Basel 3) N/A
Jumlah di bawah batasan pengurangan (sebelum pembobotan risiko)
72 Investasi non-signifikan pada modal atau kewajiban TLAC lainnya pada entitas keuangan lain N/A
73 Investasi signifikan pada saham biasa entitas keuangan N/A
74 Mortgage servicing rights (net dari kewajiban pajak) N/A
75 Aset pajak tangguhan yang berasal dari perbedaan temporer (net dari kewajiban pajak) N/A
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Cap yang dikenakan untuk provisi pada Tier 2
76 Provisi yang dapat diakui sebagai Tier 2 sesuai dengan eksposur berdasarkan pendekatan standar (sebelum dikenakan cap) N/A
77 Cap atas provisi yang diakui sebagai Tier 2 berdasarkan pendekatan standar N/A
78 Provisi yang dapat diakui sebagai Tier 2 sesuai dengan eksposur berdasarkan pendekatan IRB (sebelum dikenakan cap) N/A
79 Cap atas provisi yang diakui sebagai Tier 2 berdasarkan pendekatan IRB N/A
Instrumen Modal yang termasuk phase out (hanya berlaku antara 1 Jan 2018 s.d. 1 Jan 2022)
80 Cap pada CET 1 yang temasuk phase out N/A
81 Jumlah yang dikecualikan dari CET 1 karena adanya cap (kelebihan di atas cap setelah redemptions dan maturities) N/A
82 Cap pada AT 1 yang temasuk phase out N/A
83 Jumlah yang dikecualikan dari AT 1 karena adanya cap (kelebihan di atas cap setelah redemptions dan maturities) N/A
84 Cap pada Tier 2 yang temasuk phase out N/A
85 Jumlah yang dikecualikan dari Tier 2 karena adanya cap (kelebihan di atas cap setelah redemptions dan maturities) N/A
Page 353
Analisis Kualitatif
Qualitative Analysis
Capital Adequency Ratio (CAR) pada 31 Desember 2023 adalah sebesar 19.95% atau berada di atas ketentuan regulator yaitu paling rendah sebesar 8%.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
351
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352
Tabel Laporan Kewajiban Pemenuhan Rasio Pengungkit - Bank secara individual
(dalam jutaan rupiah / in million Rupiah)
31 Desember 2023
No Keterangan
31 December 2023
1 Total aset di neraca pada laporan keuangan publikasi (nilai gross sebelum dikurangi CKPN). 28,600,244
2 Penyesuaian untuk nilai penyertaan pada bank, lembaga keuangan, perusahaan asuransi, dan/atau entitas lain yang berdasarkan standar akuntansi keuangan harus dikonsolidasikan namun -
diluar cakupan konsolidasi berdasarkan ketentuan Otoritas Jasa Keuangan.
3 "Penyesuaian untuk nilai kumpulan aset keuangan atau aset syariah yang mendasari (underlying) yang telah dialihkan dalam sekuritisasi aset yang memenuhi persyaratan jual putus -
sebagaimana diatur dalam peraturan perundang-undangan OJK mengenai Prinsip Kehati-hatian dalam Aktivitas Sekuritisasi Aset bagi Bank Umum."
4 Penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank Indonesia dalam rangka memenuhi ketentuan giro wajib minimum (jika ada). N/A
Capital Structure and Risk Management
5 Penyesuaian untuk aset fidusia yang diakui sebagai komponen neraca berdasarkan standar akuntansi keuangan namun dikeluarkan dari perhitungan total eksposur dalam Rasio Leverage. N/A
Struktur Permodalan dan Manajemen Risiko
6 Penyesuaian untuk nilai pembelian atau penjualan aset keuangan secara regular dengan menggunakan metode akuntansi tanggal perdagangan. -
7 Penyesuaian untuk nilai transaksi dalam fasilitas cash pooling yang memenuhi persyaratan sebagaimana diatur dalam Peraturan Otoritas Jasa Keuangan ini. -
8 Penyesuaian untuk nilai eksposur transaksi derivatif. 792
9 Penyesuaian untuk nilai eksposur Securitities Financing Transaction (SFT) sebagai contoh transaksi reverse repo. 636,733
10 Penyesuaian untuk nilai eksposur Transaksi Rekening Administratif (TRA) yang telah dikalikan dengan Faktor Konversi Kredit (FKK). 2,539,271
11 Prudent valuation adjustments berupa faktor pengurang modal dan Cadangan Kerugian Penurunan Nilai (CKPN) -
12 Penyesuaian lainnya (jika ada) -
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
13 Total Eksposur dalam Perhitungan Rasio Leverage 31,777,041
Page 355
Tabel Laporan Perhitungan Rasio Pengungkit - Bank secara individual
(dalam jutaan rupiah / in million Rupiah)
31 Desember 2023
No Keterangan
31 December 2023
1 Eksposur Aset dalam Laporan Posisi Keuangan (Neraca) termasuk aset jaminan yang tercatat dalam neraca, namun tidak termasuk eksposur transaksi derivatif dan eksposur SFT. (Nilai gross 29,554,906
sebelum dikurangi CKPN)
2 Nilai penambahan kembali untuk agunan derivatif yang diserahkan kepada pihak lawan dan penyediaan agunan tersebut mengakibatkan penurunan total eksposur aset dalam neraca karena
adanya penerapan standar akuntansi.
3 (Pengurangan atas piutang terkait cash variation margin yang diberikan dalam transaksi derivatif). -
4 (Penyesuaian untuk surat berharga yang diterima dalam eksposur SFT yang telah dicatat sebagai aset dalam neraca Bank). -
5 (Cadangan Kerugian Penurunan Nilai (CKPN) atas aset tersebut sesuai standar akuntansi yang berlaku). (567,601)
6 (Aset yang telah diperhitungkan sebagai faktor pengurang Modal Inti (tier 1) sebagaimana dimaksud dalam Peraturan Otoritas Jasa Keuangan yang mengatur mengenai kewajiban penyediaan (387,061)
modal minimum bank umum).
7 Total Eksposur Aset dalam Laporan Posisi Keuangan (Neraca) (Penjumlahan dari baris 1 sampai dengan baris 6) 28,600,244
Eksposur Transaksi Derivatif
8 Nilai Replacement Cost (RC) untuk seluruh transaksi derivatif baik dalam hal terdapat variation margin yang memenuhi syarat ataupun terdapat perjanjian saling hapus yang memenuhi
persyaratan tertentu.
9 Nilai penambahan yang merupakan Potential Futures Exposures (PFE) untuk seluruh transaksi derivatif.
10 (pengecualian atas eksposur transaksi derivatif yang diselesaikan melalui central clearing counterparty (CCP))
11 Penyesuaian untuk nilai nosional efektif dari derivatif kredit
12 (Penyesuaian untuk nilai nosional efektif yang dilakukan saling hapus dan pengurangan add-on untuk transaksi penjualan kredit derivatif)
13 "Total Eksposur Transaksi Derivatif
(Penjumlahan baris 8 sampai dengan baris 12)"
Eksposur Securities Financing Transaction (SFT)
14 Nilai Gross SFT 636,733
15 (Nilai bersih antara liabilitas kas dan tagihan kas)
16 Risiko Kredit akibat kegagalan pihak lawan terkait aset SFT yang mengacu perhitungan Current Exposure sebagaimana diatur dalam Lampiran I Peraturan Otoritas Jasa Keuangan ini. -
17 Eksposur sebagai agen SFT
18 "Total Eksposur SFT 636,733
(Penjumlahan baris 14 sampai dengan baris 17)"
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
353
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354
31 Desember 2023
No Keterangan
31 December 2023
Eksposur Transaksi Rekening Administratif (TRA)
19 "Nilai seluruh kewajiban komitmen atau kewajiban kontijensi. 6,347,775
*Nilai gross sebelum dikurangi CKPN"
20 (Penyesuaian terhadap hasil perkalian antara nilai kewajiban komitmen atau kewajiban kontijensi dan Faktor Konversi Kredit (FKK)) (3,808,504)
21 (Cadangan Kerugian Penurunan Nilai (CKPN) atas TRA tersebut sesuai standar akuntansi yang berlaku). -
22 "Total Eksposur Transaksi Rekening Administratif (TRA) 2,539,271
(Penjumlahan dari baris 19 sampai dengan baris 21)"
Modal dan Total Ekposur
23 Modal Inti (Tier 1) 3,287,239
24 Total Eksposur (Penjumlahan baris 7, 13, 18, dan 22) 31,777,040
Capital Structure and Risk Management
Rasio Leverage
Struktur Permodalan dan Manajemen Risiko
25 Nilai Rasio Leverage (Kolom 23 ÷ Kolom 24) 10.34%
26 Nilai Minimum Rasio Leverage 3%
27 Buffer terhadap nilai Rasio Leverage N/A
Pengungkapan Nilai Rata - Rata
28 Nilai rata-rata dari nilai tercatat aset SFT secara gross, setelah penyesuaian untuk transaksi akuntansi penjualan (sale accounting transaction) yang dihitung secara bersih (nett) dengan liabilitas (6,534)
kas dalam SFT dan tagihan kas dalam SFT
29 Nilai akhir triwulan laporan dari nilai tercatat aset SFT secara gross, setelah penyesuaian untuk transaksi akuntansi penjualan (sale accounting transaction) yang dihitung secara bersih (nett) (6,534)
dengan liabilitas kas dalam SFT dan tagihan kas dalam SFT
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
30 Total Eksposur, termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank Indonesia dalam rangka memenuhi ketentuan giro wajib minimum 30,309,448
(jika ada), yang telah memasukkan nilai rata-rata dari nilai tercatat aset SFT secara gross sebagaimana dimaksud dalam baris 28
30a Total Eksposur, tidak termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank Indonesia dalam rangka memenuhi ketentuan giro wajib 31,777,040
minimum (jika ada), yang telah memasukkan nilai rata-rata dari nilai tercatat aset SFT secara gross sebagaimana dimaksud dalam baris 28
31 Nilai Rasio Pengungkit, termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank Indonesia dalam rangka memenuhi ketentuan giro wajib 10.85%
minimum (jika ada), yang telah memasukkan nilai rata-rata dari nilai tercatat aset SFT secara gross sebagaimana dimaksud dalam baris 28
31a Nilai Rasio Pengungkit, tidak termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank Indonesia dalam rangka memenuhi ketentuan giro wajib 10.34%
minimum (jika ada), yang telah memasukkan nilai rata-rata dari nilai tercatat aset SFT secara gross sebagaimana dimaksud dalam baris 28
Page 357
31 Desember 2023
No Keterangan
31 December 2023
Analisis Kualitatif
Rasio pengungkit pada 31 Desember 2023 adalah sebesar 10.34% atau berada diatas ketentuan Otoritas Jasa Keuangan (OJK) yaitu paling rendah sebesar 3% sebagaimana yang diwajibkan
di POJK No. 31/POJK.03./2019.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
355
Page 358
Tabel Laporan Kewajiban Pemenuhan Rasio Pengungkit - Bank secara individual
356
(dalam jutaan rupiah / in million Rupiah)
31 Desember 2023
No Keterangan
31 December 2023
1 Total aset di neraca pada laporan keuangan publikasi (nilai gross sebelum dikurangi CKPN). 28,600,244
2 Penyesuaian untuk nilai penyertaan pada bank, lembaga keuangan, perusahaan asuransi, dan/atau entitas lain yang berdasarkan standar akuntansi keuangan harus dikonsolidasikan namun -
diluar cakupan konsolidasi berdasarkan ketentuan Otoritas Jasa Keuangan.
3 "Penyesuaian untuk nilai kumpulan aset keuangan atau aset syariah yang mendasari (underlying) yang telah dialihkan dalam sekuritisasi aset yang memenuhi persyaratan jual putus -
sebagaimana diatur dalam peraturan perundang-undangan OJK mengenai Prinsip Kehati-hatian dalam Aktivitas Sekuritisasi Aset bagi Bank Umum."
4 Penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank Indonesia dalam rangka memenuhi ketentuan giro wajib minimum (jika ada). N/A
Capital Structure and Risk Management
5 Penyesuaian untuk aset fidusia yang diakui sebagai komponen neraca berdasarkan standar akuntansi keuangan namun dikeluarkan dari perhitungan total eksposur dalam Rasio Leverage. N/A
Struktur Permodalan dan Manajemen Risiko
6 Penyesuaian untuk nilai pembelian atau penjualan aset keuangan secara regular dengan menggunakan metode akuntansi tanggal perdagangan. -
7 Penyesuaian untuk nilai transaksi dalam fasilitas cash pooling yang memenuhi persyaratan sebagaimana diatur dalam Peraturan Otoritas Jasa Keuangan ini. -
8 Penyesuaian untuk nilai eksposur transaksi derivatif. 792
9 Penyesuaian untuk nilai eksposur Securitities Financing Transaction (SFT) sebagai contoh transaksi reverse repo. 636,733
10 Penyesuaian untuk nilai eksposur Transaksi Rekening Administratif (TRA) yang telah dikalikan dengan Faktor Konversi Kredit (FKK). 2,539,271
11 Prudent valuation adjustments berupa faktor pengurang modal dan Cadangan Kerugian Penurunan Nilai (CKPN) -
12 Penyesuaian lainnya (jika ada) -
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
13 Total Eksposur dalam Perhitungan Rasio Leverage 31,777,041
Page 359
Pengungkapan Kualitas Kredit atas Aset (CR1)
Disclosure of Credit Quality over Asset (CR1) (dalam jutaan rupiah / in million Rupiah)
1) Bank secara Individu / Bank Individually
Nilai Tercatat Bruto
CKPN
Gross Carrying Amount
CKPN
Nilai Bersih
Tagihan yang (Pendekatan
Tagihan yang Stage 2 dan (a+b-c)
No Deskripsi Belum Jatuh CKPN IRB) Description
Telah Jatuh Stage 3 Net Value
Tempo Stage 1 CKPN (IRB
Stage 2 and (a+b-c)
Tempo Approach)
Not Due
Due Receivables Stage 3
Receivables
a b c d e f g
1. Kredit 714,087 18,211,172 574,872 462,066 112,806 18,350,386 Credit
2. Surat Berharga - 6,285,564 8,272 - 8,272 6,277,292 Marketable Securities
Transaksi Rekening Administrative Account
3. - 1,043,367 - - - 1,043,367
Administratif Transaction
4. Total 714,087 25,540,102 583,144 462,066 121,078 25,671,045 Total
2) Pengungkapan Tambahan / Additional Disclosure
1. Tagihan yang Telah Jatuh Tempo merupakan tagihan debitur dengan kolektibilitas 3, 4, dan 5 atau dengan tunggakan lebih dari 90 hari.
2. Bank tidak memiliki eksposur kualitas kredit atas aset secara konsolidasi karena berdasarkan Surat OJK No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk. dan Surat
Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi Atas Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi entitas anak PT Bank Victoria International Tbk
1. Due Receivables are debtor receivables with collectibility 3, 4, and 5 or with arrears of more than 90 days.
2. The Bank does not have credit quality exposure on assets on a consolidated basis due to based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of PT Bank Victoria Syariah’s Shares by
PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-EKS/12/22 on the Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of
PT Bank Victoria International Tbk
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
357
Page 360
Pengungkapan Mutasi Kredit dan Surat Berharga yang Telah Jatuh Tempo (CR2)
358
Disclosure of Changes in Due Loans and Securities (CR2)
1) Bank secara Individu / Bank Individually
(dalam jutaan rupiah / in million Rupiah)
No Deskripsi a Description
1. Kredit dan Surat Berharga yang Telah Jatuh Tempo pada periode pelaporan terakhir 668,627 Due Loans and Securities on last reporting period
2. Kredit dan Surat Berharga yang Telah Jatuh Tempo sejak periode pelaporan terakhir 387,036 Due Loans and Securities since last reporting period
3. Kredit dan Surat Berharga yang kembali menjadi tagihan yang belum jatuh tempo 58,526 Not Due Loans and Securities that return to receivables
4. Nilai hapus buku 193,922 Write-off value
5. Perubahan lain (89,128) Other changes
Capital Structure and Risk Management
6. Kredit dan Surat Berharga yang Telah Jatuh Tempo pada akhir periode pelaporan (1+2-3-4+5) 714,087 Due Loans and Securities on last reporting period (1+2-3-4+5)
Struktur Permodalan dan Manajemen Risiko
2) Pengungkapan Tambahan / Additional Disclosure
1. Bank tidak memiliki eksposur mutasi kredit dan surat berharga yang telah jatuh tempo secara konsolidasi karena berdasarkan Surat OJK No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham PT Bank Victoria Syariah oleh
PT Victoria Investama Tbk. dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi Atas Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi entitas anak
PT Bank Victoria International Tbk
1. The Bank does not have exposure to changes in due loans and securities on a consolidated basis due to based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of PT Bank Victoria Syariah’s
Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-EKS/12/22 on the Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a
subsidiary of PT Bank Victoria International Tbk
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Page 361
Tabel Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank secara Individual
Table of Disclosure of Net Receivables by Area – Bank Individually
(dalam jutaan rupiah / in million Rupiah)
31 Desember 2023
31 December 2023
Tagihan Bersih Berdasarkan Wilayah
Net Receivables by Region
No. Kategori Portofolio Portfolio Category
Zona Indonesia Zona Indonesia Zona Indonesia Diluar Indonesia
Barat (Wilayah 1) Tengah (Wilayah 2) Timur (Wilayah 3) (Wilayah 4)
Total
Indonesia Zone Indonesia Zone Indonesia Zone Indonesia Outside
West (Zone 1) Center (Zone 2) East (Zone 3) (Zone 4)
(1) (2) (3) (4) (5) (6) (7) (2)
1. Tagihan Kepada Pemerintah 6,111,398 - - - 6,111,398 Receivables from Government
"Receivables from Public Sector
2. Tagihan Kepada Entitas Sektor Publik 958,467 - - - 958,467 Entities"
"Receivables from Multilateral
Tagihan Kepada Bank Pembangunan
3. 53,157 - - - 53,157 Development Banks and
Multilateral dan Lembaga Internasional
International Institutions"
4. Tagihan Kepada Bank 2,182,723 - 106,469 66 2,289,258 Receivables from Banks
5. Tagihan berupa Covered Bond - - - - - Receivables in the form of Covered Bond
Tagihan kepada Perusahaan Efek dan Receivables from Securities Companies and
6. 3,564,372 - - - 3,564,372
Lembaga Jasa Keuangan Lainnya Other Financial Services Institutions
Tagihan berupa Surat Berharga/Piutang Receivables in the form of Subordinated
7. Subordinasi, Ekuitas, dan Instrumen Modal 215,931 - - - 215,931 Securities/Receivables, Equity and Other
Lainnya Capital Instruments
"Residential Property Collateralized
8. Kredit Beragunan Rumah Tinggal 146,380 4,488 - - 150,868 Loans"
"Commercial Property Collateralized
9. Kredit Beragunan Properti Komersial 3,119,832 30,157 - - 3,149,989 Loans"
Kredit untuk Pengadaan Tanah, Pengolahan Loan by Land Acquisition, Land Processing,
10. - - - - -
Tanah, dan Konstruksi and Construction
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
11. Kredit Pegawai/Pensiunan - - - - - Employee/Retirement Loans
359
Page 362
360
31 Desember 2023
31 December 2023
Tagihan Bersih Berdasarkan Wilayah
Net Receivables by Region
No. Kategori Portofolio Portfolio Category
Zona Indonesia Zona Indonesia Zona Indonesia Diluar Indonesia
Barat (Wilayah 1) Tengah (Wilayah 2) Timur (Wilayah 3) (Wilayah 4)
Total
Indonesia Zone Indonesia Zone Indonesia Zone Indonesia Outside
West (Zone 1) Center (Zone 2) East (Zone 3) (Zone 4)
(1) (2) (3) (4) (5) (6) (7) (2)
Tagihan Kepada Usaha Mikro, Usaha Kecil "Receivables from Microbusiness,
12. 2,450,260 257,540 9,601 - 2,717,400
dan Portofolio Ritel Small Business, and Retail Portfolio"
13. Tagihan kepada Korporasi 9,270,754 772,052 61,554 - 10,104,360 Receivables from Corporations
Capital Structure and Risk Management
14. Tagihan yang Telah Jatuh Tempo
Struktur Permodalan dan Manajemen Risiko
546,949 38,771 - - 585,719 Due Receivables
15. Aset Lainnya 1,183,389 - - - 1,183,389 Other Assets
Total 29,803,611 1,103,007 177,624 66 31,084,309 Total
(dalam jutaan rupiah / in million Rupiah)
31 Desember 2022
31 Desember 2022
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Tagihan Bersih Berdasarkan Wilayah
Net Receivables by Region
No. Kategori Portofolio Portfolio Category
Zona Indonesia Zona Indonesia Zona Indonesia Diluar Indonesia
Barat (Wilayah 1) Tengah (Wilayah 2) Timur (Wilayah 3) (Wilayah 4)
Total
Indonesia Zone Zone Center Indonesia Zone Indonesia Outside
West (Zone 1) (Zone 2) East (Zone 3) (Zone 4)
(1) (2) (2) (8) (9) (10) (11) ((12) 12) (2)
1. Tagihan Kepada Pemerintah 6,862,645 - - - 6,862,645 Receivables from Government
Tagihan Kepada Entitas Sektor Publik "Receivables from Public Sector
2. 1,569,136 - - - 1,569,136
Entities"
Tagihan Kepada Bank Pembangunan "Receivables from Multilateral
3. Multilateral dan Lembaga Internasional 18,091 - - - 18,091 Development Banks and
International Institutions"
4. Tagihan Kepada Bank 671,038 1,001 - 109,663 781,701 Receivables from Banks
Page 363
31 Desember 2022
31 Desember 2022
Tagihan Bersih Berdasarkan Wilayah
Net Receivables by Region
No. Kategori Portofolio Portfolio Category
Zona Indonesia Zona Indonesia Zona Indonesia Diluar Indonesia
Barat (Wilayah 1) Tengah (Wilayah 2) Timur (Wilayah 3) (Wilayah 4)
Total
Indonesia Zone Zone Center Indonesia Zone Indonesia Outside
West (Zone 1) (Zone 2) East (Zone 3) (Zone 4)
(1) (2) (2) (8) (9) (10) (11) ((12) 12) (2)
5. Tagihan berupa Covered Bond Receivables in the form of Covered Bond
Tagihan kepada Perusahaan Efek dan Receivables from Securities Companies and
6. Lembaga Jasa Keuangan Lainnya Other Financial Services Institutions
Tagihan berupa Surat Berharga/Piutang Receivables in the form of Subordinated
7. Subordinasi, Ekuitas, dan Instrumen Modal Securities/Receivables, Equity and Other
Lainnya Capital Instruments
Kredit Beragunan Rumah Tinggal "Residential Property Collateralized
8. 90,155 - - - 90,155 Loans"
Kredit Beragunan Properti Komersial "Commercial Property Collateralized
9. 1,128,181 16,058 - - 1,144,239
Loans"
Kredit untuk Pengadaan Tanah, Pengolahan Loan by Land Acquisition, Land Processing,
10. Tanah, dan Konstruksi and Construction
11. Kredit Pegawai/Pensiunan - - - - - Employee/Retirement Loans
Tagihan Kepada Usaha Mikro, Usaha Kecil "Receivables from Microbusiness,
12. dan Portofolio Ritel 47,834 301 - - 48,135
Small Business, and Retail Portfolio"
13. Tagihan kepada Korporasi 1,349,339 - - 13,433,391 Receivables from Corporations
14. Tagihan yang Telah Jatuh Tempo 441,607 99,576 - - 541,183 Due Receivables
15. Aset Lainnya 1,803,360 - - - 1,803,360 Other Assets
Total 1,466,274 - 109,663 26,292,037 Total
*) Berdasarkan Surat OJK No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk. dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi Atas
Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi entitas anak PT Bank Victoria International Tbk
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
*) Based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-
EKS/12/22 on the Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International Tbk.
361
Page 364
Tabel Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara Individual
362
Table of Disclosure of Net Receivables by Economic Sector – Bank Individually
(dalam jutaan rupiah / in million Rupiah)
Tagihan
Tagihan
berupa Surat
kepada
Tagihan Berharga/ Tagihan
Perusahaan Kredit untuk
Kepada Bank Piutang Kepada Usaha
Efek dan Pengadaan
Pembangunan Subordinasi, Mikro, Usaha
Tagihan Tagihan Lembaga Kredit Kredit Tanah,
Multilateral Ekuitas, dan Kecil dan
Tagihan Kepada berupa Jasa Beragunan Beragunan Pengelolaan Kredit Tagihan
dan Lembaga Instrumen Portofolio Tagihan yang
Kepada Entitas Tagihan Covered Keuangan Rumah Properti Tanah, dan Pegawai/ kepada
Internasional Modal Ritel Telah Jatuh
Sektor Ekonomi Pemerintah Sektor Publik Kepada Bank Bond Lainnya Tinggal Komersial Konstruksi Pensiun Korporasi Aset Lainnya
No. Receivables Lainnya Receivables Tempo
Economi Sector Receivables Receivables Receivables Receivables Receivables Residential Commercial Loan by Land Employee/ Receivables Other Assets
from Receivables from Due
from from Public from Banks in the form from Property Property Acquisition, Retirement from
Multilateral in the form of Microbusiness, Receivables
Government Sector of Covered Securities Collateralized Collateralized Land Loans Corporations
Development Subordinated Small
Entities Bond Companies Loans Loans Processing,
Banks and Securities/ Business,
and Other and
International Receivables, and Retail
Financial Construction
Institutions Equity and Portfolio
Capital Structure and Risk Management
Services
Other Capital
Institutions
Instruments
Struktur Permodalan dan Manajemen Risiko
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17)
31 DESEMBER 2023 / 31 DESEMBER 2023
1. Pertanian,
Kehutanan, dan
Perikanan
Agriculture, - - - - - - - - - - - 128,136 489,871 4,875 -
Forestry, and
Fisheries
2. Pertambangan
dan Penggalian
Mining and - - - 10,251 - - - - - - - 74,627 678,707 5 -
Extractive
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Industries
3. Industri
pengolahan
Processing 9,920 - - - - - - - - - - 363,757 1,965,225 9,685 -
Industry
4. Pengadaan Listrik,
Gas, Uap/Air
Panas dan Udara
Dingin
Procurement - - - 260,418 - - - - - - - 64,399 23,972 - -
of Electricity,
Gas, Steam/
Hot Water, and
Cold Air
5. Pengelolaan Air,
Pengelolaan
Air Limbah,
- - - 251,821 - - - - - - - 30,049 - - -
Pengelolaan
dan Daur Ulang
Sampah
Page 365
Tagihan
Tagihan
berupa Surat
kepada
Tagihan Berharga/ Tagihan
Perusahaan Kredit untuk
Kepada Bank Piutang Kepada Usaha
Efek dan Pengadaan
Pembangunan Subordinasi, Mikro, Usaha
Tagihan Tagihan Lembaga Kredit Kredit Tanah,
Multilateral Ekuitas, dan Kecil dan
Tagihan Kepada berupa Jasa Beragunan Beragunan Pengelolaan Kredit Tagihan
dan Lembaga Instrumen Portofolio Tagihan yang
Kepada Entitas Tagihan Covered Keuangan Rumah Properti Tanah, dan Pegawai/ kepada
Internasional Modal Ritel Telah Jatuh
Sektor Ekonomi Pemerintah Sektor Publik Kepada Bank Bond Lainnya Tinggal Komersial Konstruksi Pensiun Korporasi Aset Lainnya
No. Receivables Lainnya Receivables Tempo
Economi Sector Receivables Receivables Receivables Receivables Receivables Residential Commercial Loan by Land Employee/ Receivables Other Assets
from Receivables from Due
from from Public from Banks in the form from Property Property Acquisition, Retirement from
Multilateral in the form of Microbusiness, Receivables
Government Sector of Covered Securities Collateralized Collateralized Land Loans Corporations
Development Subordinated Small
Entities Bond Companies Loans Loans Processing,
Banks and Securities/ Business,
and Other and
International Receivables, and Retail
Financial Construction
Institutions Equity and Portfolio
Services
Other Capital
Institutions
Instruments
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17)
Water
Management,
Waste Water
Management,
Waste
Management
and Recycle
6. Konstruksi
Construction - - - 100,727 - - - - 772,460 - - - 102,513 18,182 -
7. Perdagangan
besar dan eceran;
Reparasi dan
Perawatan Mobil
dan Sepeda Motor
Wholesale and - - - 47,255 - - - - - - - 1,047,019 2,281,448 54,196 -
Retail Trade; Car
and Motorcycle
Repair and
Maintenance
8. Pengangkutan
dan Pergudangan
Transportation - - - - - - - - - - - 200,802 268,466 126,408 -
and Warehousing
9. Penyediaan
Akomodasi dan
Penyediaan
Makan Minum
Provision of - - - - - - - - 44,628 - - 112,013 702,802 36,836 -
Accomodation
and Foods &
Beverages
10. Informasi dan
Komunikasi
Information and 40,790 - - - - - - - 2,000 - - 85,887 234,220 - -
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
Communication
363
Page 366
Tagihan
364
Tagihan
berupa Surat
kepada
Tagihan Berharga/ Tagihan
Perusahaan Kredit untuk
Kepada Bank Piutang Kepada Usaha
Efek dan Pengadaan
Pembangunan Subordinasi, Mikro, Usaha
Tagihan Tagihan Lembaga Kredit Kredit Tanah,
Multilateral Ekuitas, dan Kecil dan
Tagihan Kepada berupa Jasa Beragunan Beragunan Pengelolaan Kredit Tagihan
dan Lembaga Instrumen Portofolio Tagihan yang
Kepada Entitas Tagihan Covered Keuangan Rumah Properti Tanah, dan Pegawai/ kepada
Internasional Modal Ritel Telah Jatuh
Sektor Ekonomi Pemerintah Sektor Publik Kepada Bank Bond Lainnya Tinggal Komersial Konstruksi Pensiun Korporasi Aset Lainnya
No. Receivables Lainnya Receivables Tempo
Economi Sector Receivables Receivables Receivables Receivables Receivables Residential Commercial Loan by Land Employee/ Receivables Other Assets
from Receivables from Due
from from Public from Banks in the form from Property Property Acquisition, Retirement from
Multilateral in the form of Microbusiness, Receivables
Government Sector of Covered Securities Collateralized Collateralized Land Loans Corporations
Development Subordinated Small
Entities Bond Companies Loans Loans Processing,
Banks and Securities/ Business,
and Other and
International Receivables, and Retail
Financial Construction
Institutions Equity and Portfolio
Services
Other Capital
Institutions
Instruments
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17)
11. Aktivitas
Capital Structure and Risk Management
Keuangan dan
Asuransi
6,060,689 931,856 53,157 1,415,151 - 3,564,372 215,931 - - - - 381,219 2,083,396 - -
Struktur Permodalan dan Manajemen Risiko
Financial and
Insurance
Activities
12. Real Estate
Real Estate - 14,961 - 36,041 - - - - 2,322,497 - - - 1,499 319,028 -
13. Aktivitas Profesi,
Ilmiah, dan Teknis
Professional,
Scientific, - - - 4,651 - - - - 8,404 - - 39,683 424,866 5,573 -
and Technical
Activities
14. Aktivitas
Penyewaan dan
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Sewa Guna Usaha
Tanpa Hak Opsi,
Ketenagakerjaan,
Agen Perjalanan,
dan Penunjang
Usaha Lainnya
Leasing and - 11,650 - 162,942 - - - - - - - 112,971 663,753 904 -
Leasing Activities
without
Option Rights,
Employment,
Travel Agencies,
and Other
Business
Supports
15. Administrasi
Pemerintahan,
Pertahanan, dan - - - - - - - - - - - - - - -
Jaminan Sosial
Wajib
Page 367
Tagihan
Tagihan
berupa Surat
kepada
Tagihan Berharga/ Tagihan
Perusahaan Kredit untuk
Kepada Bank Piutang Kepada Usaha
Efek dan Pengadaan
Pembangunan Subordinasi, Mikro, Usaha
Tagihan Tagihan Lembaga Kredit Kredit Tanah,
Multilateral Ekuitas, dan Kecil dan
Tagihan Kepada berupa Jasa Beragunan Beragunan Pengelolaan Kredit Tagihan
dan Lembaga Instrumen Portofolio Tagihan yang
Kepada Entitas Tagihan Covered Keuangan Rumah Properti Tanah, dan Pegawai/ kepada
Internasional Modal Ritel Telah Jatuh
Sektor Ekonomi Pemerintah Sektor Publik Kepada Bank Bond Lainnya Tinggal Komersial Konstruksi Pensiun Korporasi Aset Lainnya
No. Receivables Lainnya Receivables Tempo
Economi Sector Receivables Receivables Receivables Receivables Receivables Residential Commercial Loan by Land Employee/ Receivables Other Assets
from Receivables from Due
from from Public from Banks in the form from Property Property Acquisition, Retirement from
Multilateral in the form of Microbusiness, Receivables
Government Sector of Covered Securities Collateralized Collateralized Land Loans Corporations
Development Subordinated Small
Entities Bond Companies Loans Loans Processing,
Banks and Securities/ Business,
and Other and
International Receivables, and Retail
Financial Construction
Institutions Equity and Portfolio
Services
Other Capital
Institutions
Instruments
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17)
“Government
administration,
land business and
mandatory
social service”
16. Pendidikan
Education - - - - - - - - - - - 29,178 97,842 1,727 -
17. Aktivitas
Kesehatan
Manusia dan
Aktivitas Sosial - - - - - - - - - - - 11,862 20,653 - -
Human Health
Activities and
Social Activities
18. Kesenian,
Hiburan, dan
Rekreasi
Arts, - - - - - - - - - - - 35,799 36,052 - -
Entertainment,
and Recreation
19. Aktivitas Jasa
Lainnya
Other Services - - - - - - - - - - - - - - -
Activities
20. Aktivitas Rumah
Tangga sebagai
Pemberi Kerja;
Aktivitas yang
Menghasilkan
Barang dan Jasa - - - - - - - - - - - - - - -
oleh Rumah
Tangga yang
Digunakan
untuk Memenuhi
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
Kebutuhan Sendiri
365
Page 368
Tagihan
366
Tagihan
berupa Surat
kepada
Tagihan Berharga/ Tagihan
Perusahaan Kredit untuk
Kepada Bank Piutang Kepada Usaha
Efek dan Pengadaan
Pembangunan Subordinasi, Mikro, Usaha
Tagihan Tagihan Lembaga Kredit Kredit Tanah,
Multilateral Ekuitas, dan Kecil dan
Tagihan Kepada berupa Jasa Beragunan Beragunan Pengelolaan Kredit Tagihan
dan Lembaga Instrumen Portofolio Tagihan yang
Kepada Entitas Tagihan Covered Keuangan Rumah Properti Tanah, dan Pegawai/ kepada
Internasional Modal Ritel Telah Jatuh
Sektor Ekonomi Pemerintah Sektor Publik Kepada Bank Bond Lainnya Tinggal Komersial Konstruksi Pensiun Korporasi Aset Lainnya
No. Receivables Lainnya Receivables Tempo
Economi Sector Receivables Receivables Receivables Receivables Receivables Residential Commercial Loan by Land Employee/ Receivables Other Assets
from Receivables from Due
from from Public from Banks in the form from Property Property Acquisition, Retirement from
Multilateral in the form of Microbusiness, Receivables
Government Sector of Covered Securities Collateralized Collateralized Land Loans Corporations
Development Subordinated Small
Entities Bond Companies Loans Loans Processing,
Banks and Securities/ Business,
and Other and
International Receivables, and Retail
Financial Construction
Institutions Equity and Portfolio
Services
Other Capital
Institutions
Instruments
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17)
Household
Capital Structure and Risk Management
Activities as
an Employer;
Struktur Permodalan dan Manajemen Risiko
Activities that
Produce Goods
and Services by
Households that
are Used to Meet
Their Own Needs
21. Aktivitas Badan
Internasional
dan Badan Ekstra
Internasional
Lainnya
International - - - - - - - - - - - - - - -
Organizations
and Other Extra
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
International
Organizations
Activities
22. Rumah Tangga
Household - - - - - - - - - - -
23. Bukan Lapangan
Usaha - - - - - - - 150,868 - - - - 29,074 8,301 -
Non-Business
24. Lainnya
Others - - - - - - - - - - - - - - 1,183,389
Total 6,111,398 958,467 53,157 2,289,258 - 3,564,372 215,931 150,868 3,149,989 - - 2,717,400 10,104,360 585,719 1,183,389
*) Berdasarkan Surat OJK No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk. dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi Atas
Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi entitas anak PT Bank Victoria International Tbk
*) Based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-
EKS/12/22 on the Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International Tbk.
Page 369
Tabel Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Individual
Table of Disclosure of Net Receivables by Remaining Contract Period – Bank Individually
(dalam jutaan rupiah / in million Rupiah)
31 Desember 2023 31 Desember 2022
31 Desember 2023 31 Desember 2022
Tagihan bersih berdasarkan sisa jangka waktu kontrak Tagihan bersih berdasarkan sisa jangka waktu kontrak
Net Receivables by Remaining Contract Period Net Receivables by Remaining Contract Period
No. Kategori Portofolio Portfolio Category
>1 thn s.d. >3 thn s.d. >1 thn s.d. >3 thn s.d. Non-
Non-
3 thn 5 thn 3 thn 5 thn Kontraktual
≤ 1 tahun > 5 thn Kontraktual ≤ 1 tahun > 5 thn
>1 to 3 >3 to 5 Total >1 to 3 >3 to 5 Non- Total
≤1 year >5 years ≤1 year >5 years
years years years years Contractual
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (2)
Tagihan Kepada Receivables from
1. 1,725,237 1,225,499 1,172,121 1,988,542 - 6,111,398 2,996,464 856,686 724,227 2,285,267 - 6,862,645
Pemerintah Government
Tagihan Kepada Receivables from
2. 920,975 37,492 - - - 958,467 1,307,453 29,040 21,362 211,282 - 1,569,136
Entitas Sektor Publik Public Sector Entities
Tagihan Kepada "Receivables
Bank Pembangunan from Multilateral
3. Multilateral 50,633 2,523 - - - 53,157 2,523 15,568 - - - 18,091 Development Banks
dan Lembaga and International
Internasional Institutions"
Receivables from
4. Tagihan Kepada Bank 1,651,555 637,703 - - - 2,289,258 536,039 - 157,716 87,946 - 781,701
Banks
Receivables in the
Tagihan berupa
5. - - - - - - form of Covered
Covered Bond
Bond
Tagihan kepada Receivables from
Perusahaan Efek Securities Companies
6. 2,076,027 654,333 794,012 40,000 - 3,564,372
dan Lembaga Jasa and Other Financial
Keuangan Lainnya Services Institutions
Receivables in the
Tagihan berupa Surat
form of Subordinated
Berharga/Piutang
Securities/
7. Subordinasi, Ekuitas, 215,931 - - - - 215,931 Receivables, Equity
dan Instrumen Modal
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
and Other Capital
Lainnya
Instruments
367
Page 370
31 Desember 2023 31 Desember 2022
368
31 Desember 2023 31 Desember 2022
Tagihan bersih berdasarkan sisa jangka waktu kontrak Tagihan bersih berdasarkan sisa jangka waktu kontrak
Net Receivables by Remaining Contract Period Net Receivables by Remaining Contract Period
No. Kategori Portofolio Portfolio Category
>1 thn s.d. >3 thn s.d. >1 thn s.d. >3 thn s.d. Non-
Non-
3 thn 5 thn 3 thn 5 thn Kontraktual
≤ 1 tahun > 5 thn Kontraktual ≤ 1 tahun > 5 thn
>1 to 3 >3 to 5 Total >1 to 3 >3 to 5 Non- Total
≤1 year >5 years ≤1 year >5 years
years years years years Contractual
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (2)
Kredit Beragunan Residential Property
8. 6,337 8,538 39,496 96,497 - 150,868 4,155 15,627 17,695 52,679 - 90,155
Rumah Tinggal Collateralized Loans
Kredit Beragunan
Capital Structure and Risk Management
Commercial Property
9. 1,212,648 301,700 570,717 1,064,924 - 3,149,989 324,827 60,635 197,745 561,031 - 1,144,239
Properti Komersial Collateralized Loans
Struktur Permodalan dan Manajemen Risiko
Kredit untuk Loan by Land
Pengadaan Tanah, Acquisition, Land
10. - - - - - -
Pengolahan Tanah, Processing, and
dan Konstruksi Construction
Kredit Pegawai/ Employee/
11. - - - - - - - - - - - -
Pensiunan Retirement Loans
Tagihan Kepada "Receivables from
Usaha Mikro, Usaha Microbusiness, Small
12. 1,999,904 268,659 282,698 166,140 - 2,717,400 43,130 938 3,193 875 - 48,135
Kecil dan Portofolio Business, and Retail
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Ritel Portfolio"
Tagihan kepada Receivables from
13. 6,035,422 1,287,764 1,327,104 1,454,071 - 10,104,360 7,440,069 1,526,406 2,862,493 1,604,423 - 13,433,391
Korporasi Corporations
Tagihan yang Telah
14. 246,649 279,841 13,362 45,868 - 585,719 182,390 77,365 237,384 44,044 - 541,183 Due Receivables
Jatuh Tempo
15. Aset Lainnya - - - - 1,183,389 1,183,389 - - - - 1,803,360 1,803,360 Other Assets
Total 16,141,318 4,704,050 4,199,510 4,856,041 1,183,389 31,084,309 12,837,050 2,582,265 4,221,816 4,847,545 1,803,360 26,292,037 Total
*) Berdasarkan Surat OJK No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk. dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi Atas
Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi entitas anak PT Bank Victoria International Tbk
*) Based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-
EKS/12/22 on the Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International Tbk.
Page 371
Tabel Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara Individual
Table of Disclosure of Receivables and Allowances by Area – Bank Individually
(dalam jutaan rupiah / in million Rupiah)
31 Desember 2023
31 Desember 2023
Wilayah
Region
No. Keterangan Description
Zona Indonesia Zona Indonesia Zona Indonesia Diluar Indonesia
Barat (Wilayah 1) Tengah (Wilayah 2) Timur (Wilayah 3) (Wilayah 4) Total
Indonesia Zone Indonesia Zone Indonesia Zone Indonesia Outside
West (Zone 1) Center (Zone 2) East (Zone 3) (Zone 4)
(1) (2) (3) (4) (5) (6) (7) (2)
1. Tagihan 27,023,562 1,176,263 176,272 66 28,376,162 Receivables
Tagihan yang mengalami peningkatan dan Claims with Increased and Worsening Credit
2.
pemburukan risiko kredit (Stage 2 dan Stage 3) Risk (Stage 2 and Stage 3)
a. Belum jatuh tempo 892,709 271,513 - - 1,164,222 a. Not Due
b. Telah jatuh tempo 669,350 44,737 - - 714,087 b. Due
3. CKPN - Stage 1 108,625 3,905 276 - 112,806 CKPN - Stage 1
4. CKPN - Stage 2 213,614 120,084 - - 333,699 CKPN - Stage 2
5. CKPN - Stage 3 122,401 5,966 - - 128,368 CKPN - Stage 3
6. Tagihan yang dihapus buku (139,196) (54,726) - - (193,922) Receivables Written Off
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
369
Page 372
(dalam jutaan rupiah / in million Rupiah)
370
31 Desember 2022
31 Desember 2023
Wilayah
Region
No. Keterangan Description
Zona Indonesia Zona Indonesia Zona Indonesia Diluar Indonesia
Barat Tengah Timur (Wilayah 4)
Total
Indonesia Zone Indonesia Zone Indonesia Zone Indonesia Outside
West (Zone 1) Center (Zone 2) East (Zone 3) (Zone 4)
(1) (2) (3) (4) (5) (6) (7) (2)
1. Tagihan 23,191,752 1,541,170 - 109,663 24,842,584 Receivables
Capital Structure and Risk Management
2. Tagihan yang mengalami peningkatan dan Claims with Increased and Worsening Credit
pemburukan risiko kredit (Stage 2 dan Stage 3) Risk (Stage 2 and Stage 3)
Struktur Permodalan dan Manajemen Risiko
a. Belum jatuh tempo 1,286,733 239,986 - - 1,526,720 a. Not Due
b. Telah jatuh tempo 546,067 122,560 - - 668,627 b. Due
3. CKPN - Stage 1 112,831 9,294 - - 122,124 CKPN - Stage 1
4. 224,869 72,557 - -
CKPN - Stage 2 CKPN - Stage 2
297,426
5. CKPN - Stage 3 104,460 22,983 - - 127,444 CKPN - Stage 3
6. Tagihan yang dihapus buku (308,652) (99,051) (407,704) Receivables Written Off
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
*) Berdasarkan Surat OJK No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk. dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi Atas
Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi entitas anak PT Bank Victoria International Tbk
*) Based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-
EKS/12/22 on the Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International Tbk.
Page 373
Tabel Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara Individual
Table of Disclosure of Receivables and Allowances by Economic Sector – Bank Individually
(dalam jutaan rupiah / in million Rupiah)
Tagihan yang Mengalami Cadangan Cadangan
Cadangan
Penurunan Nilai kerugian kerugian
kerugian
Impaired Receivables penurunan penurunan
penurunan Tagihan yang
nilai (CKPN) - nilai (CKPN) -
Tagihan nilai (CKPN) - dihapus buku
No. Sektor Ekonomi Stage 1 Stage 2 Economi Sector
Receivables Belum Jatuh Telah jatuh Stage 3 Receivables
Losses Losses
Tempo tempo Allowance Written Off
Allowance Allowance
Not Due Due (ILA) -
(ILA) - (ILA) -
Stage 3
Stage 1 Stage 2
(1) (2) (3) (4) (5) (6) (7) (8) (9) (2)
31 DESEMBER 2023 / 31 DESEMBER 2023
Pertanian, Kehutanan, dan Agriculture, Forestry, and
1. 582,543 29,377 6,159 1,917 11,494 1,283 -
Perikanan Fisheries
Mining and Extractive
2. Pertambangan dan Penggalian 731,967 - 6 2,195 - 2 - Industries
3. Industri pengolahan 2,250,155 138,937 17,849 7,078 44,373 8,164 (18,296) Processing Industry
Procurement of Electricity,
Pengadaan Listrik, Gas, Uap/Air
4. 351,576 36,395 - 219 4,588 - - Gas, Steam/Hot Water, and
Panas dan Udara Dingin
Cold Air
Pengelolaan Air, Pengelolaan Water Management, Waste
5. Air Limbah, Pengelolaan dan 277,711 - - 40 - - - Water Management, Waste
Daur Ulang Sampah Management and Recycle
6. Konstruksi 870,949 97,667 31,373 1,600 14,922 13,191 (39,975) Construction
Perdagangan besar dan eceran; Wholesale and Retail Trade;
7. Reparasi dan Perawatan Mobil 2,910,906 110,218 105,801 24,631 28,986 51,605 (35,070) Car and Motorcycle Repair
dan Sepeda Motor and Maintenance
Pengangkutan dan Transportation and
8. 572,323 - 137,501 1,819 - 11,093 (11,083)
Pergudangan Warehousing
Penyediaan Akomodasi dan Provision of Accomodation
9. 964,570 174,480 40,879 3,160 86,850 4,042 (54,199)
Penyediaan Makan Minum and Foods & Beverages
Information and
10. Informasi dan Komunikasi 377,600 114,700 - 569 25,449 - - Communication
Aktivitas Keuangan dan Financial and Insurance
11. 10,948,529 3,121 - 23,268 377 - -
Asuransi Activities
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
12. Real Estate 4,522,162 334,016 351,888 40,538 99,818 32,860 (24,687) Real Estate
Aktivitas Profesi, Ilmiah, dan Professional, Scientific, and
13. 457,265 2,648 8,750 1,454 302 3,177 -
Teknis Technical Activities
371
Page 374
372
Tagihan yang Mengalami Cadangan Cadangan
Cadangan
Penurunan Nilai kerugian kerugian
kerugian
Impaired Receivables penurunan penurunan
penurunan Tagihan yang
nilai (CKPN) - nilai (CKPN) -
Tagihan nilai (CKPN) - dihapus buku
No. Sektor Ekonomi Stage 1 Stage 2 Economi Sector
Receivables Belum Jatuh Telah jatuh Stage 3 Receivables
Losses Losses
Tempo tempo Allowance Written Off
Allowance Allowance
Not Due Due (ILA) -
(ILA) - (ILA) -
Stage 3
Stage 1 Stage 2
(1) (2) (3) (4) (5) (6) (7) (8) (9) (2)
Aktivitas Penyewaan dan
Leasing and Leasing Activities
Sewa Guna Usaha Tanpa Hak
without Option Rights,
14. Opsi, Ketenagakerjaan, Agen 947,538 72,688 1,262 2,000 9,243 359 - Employment, Travel Agencies,
Perjalanan, dan Penunjang
and Other Business Supports
Usaha Lainnya
Capital Structure and Risk Management
Administrasi Pemerintahan, "Government administration,
Struktur Permodalan dan Manajemen Risiko
15. Pertahanan, dan Jaminan - - - - - - - land business and mandatory
Sosial Wajib social service"
16. Pendidikan 130,546 31,314 2,406 422 3,837 680 - Education
Aktivitas Kesehatan Manusia Human Health Activities and
17. 31,209 - - 243 - - -
dan Aktivitas Sosial Social Activities
Kesenian, Hiburan, dan Arts, Entertainment, and
18. 71,610 - - 364 - - -
Rekreasi Recreation
19. Aktivitas Jasa Lainnya - - - - - - - Other Services Activities
Aktivitas Rumah Tangga
Household Activities as an
sebagai Pemberi Kerja;
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Employer; Activities that
Aktivitas yang Menghasilkan
20. - - - - - - - Produce Goods and Services
Barang dan Jasa oleh Rumah
by Households that are Used
Tangga yang Digunakan untuk
to Meet Their Own Needs
Memenuhi Kebutuhan Sendiri
Aktivitas Badan Internasional International Organizations
21. dan Badan Ekstra Internasional - - - - - - - and Other Extra International
Lainnya Organizations Activities
22. Rumah Tangga - - - - Household
23. Bukan Lapangan Usaha 193,613 18,659 10,212 1,290 3,460 1,911 (10,611) Non-Business
24. Lainnya 1,183,389 - - - - - - Others
Total 28,376,162 1,164,222 714,087 112,806 333,699 128,368 (193,922) Total
*) Berdasarkan Surat OJK No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk. dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi Atas
Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi entitas anak PT Bank Victoria International Tbk
*) Based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-
EKS/12/22 on the Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International Tbk.
Page 375
Disclosure of Receivables by Due Date
1) Bank secara individu / Bank individually
(dalam jutaan rupiah / in million Rupiah)
31 Desember 2023 31 Desember 2022
31 December 2023 31 December 2022
Tagihan Berdasarkan Hari Tunggakan Tagihan Berdasarkan Hari Tunggakan
Receivables by Due Date Receivables by Due Date
No. Jenis Eksposur Exposure Type
> 90 hari s.d. > 120 hari s.d. > 90 hari s.d. > 120 hari s.d.
120 hari 180 hari > 180 hari 120 hari 180 hari > 180 hari
Total Total
> 90 days to > 120 days to > 180 days > 90 days to > 120 days to > 180 days
120 days 180 days 120 days 180 days
a b c d e f g h i j
1. Kredit yang termasuk dalam Tagihan 63,397 17,420 633,270 714,087 Loan included in Due Receivables
yang Telah Jatuh Tempo
2. Surat Berharga yang termasuk - - - - Securities Included in Due
dalam Tagihan yang Telah Jatuh Receivables
Tempo
TOTAL 63,397 17,420 633,270 714,087 TOTAL
*) Berdasarkan Surat OJK No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk. dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi Atas
Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi entitas anak PT Bank Victoria International Tbk
*) Based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-
EKS/12/22 on the Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International Tbk.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
373
Page 376
Pengungkapan Tambahan terkait Perlakuan terhadap Aset Bermasalah (CRB-A)
374
Additional Disclosures regarding Treatment of Non-Performing Assets (CRB-A)
Pengungkapan Aset Performing dan Non Performing
Disclosure of Performing and Non-Performing Assets
1) Bank secara individu / Bank individually
(dalam jutaan rupiah / in million Rupiah)
Non Performing
(Kualitas KL, D, M)
Performing Non Performing (Quality of KL,D, M)
(Kualitas L dan DPK)
Tagihan yang Tidak Mengalami Penurunan Nilai
Performing (Quality of L and Tagihan yang Mengalami Non Impaired Receivables
DPK) Penurunan Nilai
Capital Structure and Risk Management
Impaired Receivables Memiliki Tunggakan > 90 hari Memiliki Tunggakan ≤ 90 hari
No Deskripsi Description
Struktur Permodalan dan Manajemen Risiko
Have Arrears > 90 days Have Arrears ≤ 90 days
Nilai Nilai Nilai Nilai
Tercatat Tercatat Tercatat Tercatat
Bruto Bruto Bruto Bruto
CKPN CKPN CKPN CKPN
Gross Gross Gross Gross
Carrying Carrying Carrying Carrying
Amount Amount Amount Amount
a b c d e f g h
1. Surat Berharga 6,285,564 8,272 - - - - - - Marketable Securities
2. Kredit Credit
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
17,885,280 435,011 743,463 130,822 - - - -
a. Korporasi 17,702,964 430,261 733,251 128,911 - - - - a. Corporate
b. Ritel 182,316 4,750 10,212 1,911 - - - - b. Retail
3. Transaksi Rekening 6,340,954 - 60 - - - - - Administrative Account
Administratif Transaction
*) Berdasarkan Surat OJK No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk. dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi Atas
Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi entitas anak PT Bank Victoria International Tbk
*) Based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-
EKS/12/22 on the Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International Tbk
Page 377
Pengungkapan Aset Restrukturisasi Performing dan Non Performing
Disclosure of Performing and Non-Performing Restructuring Assets
1) Bank secara Individual / Bank Individually
(dalam jutaan rupiah / in million Rupiah)
Performing Non Performing
(Kualitas L dan DPK) (Kualitas KL, D, M)
Stage 1 Stage 2 Stage 3
Performing (Quality Non Performing
of L and DPK) (Quality of KL,D, M)
No Deskripsi Nilai Nilai Nilai Nilai Nilai Description
Tercatat Tercatat Tercatat Tercatat Tercatat
Bruto Bruto Bruto Bruto Bruto
CKPN CKPN CKPN CKPN CKPN
Gross Gross Gross Gross Gross
Carrying Carrying Carrying Carrying Carrying
Amount Amount Amount Amount Amount
a b c d e f g h i j
1. Surat Berharga - - - - - - - - - - Marketable Securities
2. Kredit 2,206,558 350,793 661,746 98,967 1,169,662 28,210 1,066,273 331,844 632,369 87,473 Credit
a. Korporasi 2,164,885 346,044 652,819 97,505 1,139,333 27,890 1,054,929 329,648 623,443 86,011 a. Corporate
b. Ritel 41,673 4,750 8,926 1,462 30,329 321 11,344 2,196 8,926 1,462 b. Retail
Transaksi Rekening Administrative Account
3. 102,950 - 60 - 72,191 - 30,819 - - -
Administratif Transaction
*) Berdasarkan Surat OJK No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk. dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi Atas
Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi entitas anak PT Bank Victoria International Tbk
*) Based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-
EKS/12/22 on the Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International Tbk
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
375
Page 378
Pengungkapan Kuantitatif terkait Teknik MRK (CR3)
376
Disclosure of Quantitative related to MRK Techniques (CR3)
1) Bank secara Individual / Bank Individually
(dalam jutaan rupiah / in million Rupiah)
Tagihan yang Dijamin
dengan Garansi,
Tagihan yang Tidak
Tagihan yang Dijamin Tagihan yang Dijamin Penjaminan dan/ Tagihan yang Dijamin
Dijamin dengan
dengan Teknik MRK dengan Agunan atau Asuransi Kredit dengan Derivatif
Teknik MRK
No Deskripsi Guaranteed Guaranteed Guaranteed Kredit Description
Not Guaranteed
Receivables using Receivables by Receivables by Receivables Secured
Receivables using
MRK Techniques Collateral Guarantee, Security by Credit Derivatives
MRK Techniques
and/or Credit
Insurance
Capital Structure and Risk Management
a b c d e
Struktur Permodalan dan Manajemen Risiko
1. Kredit 16,605,775 1,744,612 1,744,612 - Credit
2. Surat Berharga 6,277,292 - - - Marketable Securities
3. Total 22,883,066 1,744,612 1,744,612 - Total
Kredit dan Surat Berharga yang
4. 714,087 - - - Due Loans and Securities
Telah Jatuh Tempo
2) Pengungkapan Tambahan / Additional Disclosure
1. Bank tidak memiliki eksposur kuantitatif terkait teknik MRK secara konsolidasi karena berdasarkan Surat OJK No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk.
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi Atas Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi entitas anak PT Bank Victoria International Tbk
1. The Bank does not have quantitative exposure related to MRK techniques on a consolidated basis due to based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of PT Bank Victoria
Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-EKS/12/22 on the Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no
longer a subsidiary of PT Bank Victoria International Tbk
Page 379
Pengungkapan Eksposur Risiko Kredit dan Dampak Teknik MRK (CR4)
Disclosure of Credit Risk Exposure and Impact of MRK Techniques (CR4)
1) Bank secara Individu / Bank Individually
(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 Receivables Before Net Receivables After
RWA and Risk Weight Average
Implementation of FKK and MRK Implementation of FKK and MRK
Techniques Techniques
No Kategori Portofolio Portfolio Category
Laporan Posisi Laporan Posisi Rata-Rata Bobot
Keuangan Keuangan Risiko (e/(c+d))
Statements TRA Statements TRA ATMR Risk Weight
of Financial of Financial Average (e/
Position Position (c+d))
a b c d e f
1. Tagihan kepada Pemerintah 6,111,398 - 6,111,398 - - 0% Receivables from Government
Tagihan Kepada Entitas Sektor Receivables from Public Sector
2. 789,967 635,000 789,967 168,500 307,592 32%
Publik Entities
Tagihan kepada Bank Receivables from Multilateral
3. Pembangunan Multilateral dan - 53,157 - 53,157 26,578 50% Development Banks and
Lembaga Internasional International Institutions
4. Tagihan kepada Bank 1,647,371 10,461 1,647,371 4,184 460,099 28% Receivables from Banks
Receivables from Securities
Tagihan kepada Perusahaan Efek
3,342,875 1,899,969 3,327,875 221,497 1,082,392 30% Companies and Other Financial
dan Lembaga Jasa Keuangan Lain 1)
Services Institutions 1)
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
377
Page 380
378
Tagihan Bersih Sebelum Penerapan Tagihan Bersih Setelah Penerapan
FKK dan Teknik MRK FKK dan Teknik MRK
ATMR dan Rata-Rata Bobot Risiko
Net Receivables Before Net Receivables After
RWA and Risk Weight Average
Implementation of FKK and MRK Implementation of FKK and MRK
Techniques Techniques
No Kategori Portofolio Portfolio Category
Laporan Posisi Laporan Posisi Rata-Rata Bobot
Keuangan Keuangan Risiko (e/(c+d))
Statements TRA Statements TRA ATMR Risk Weight
of Financial of Financial Average (e/
Position Position (c+d))
a b c d e f
Receivables in the form of Covered
5. Tagihan berupa Covered Bond - - - - - 0% Bond
Capital Structure and Risk Management
Tagihan kepada Korporasi - Receivables from Corporations -
6. 8,553,381 2,406,948 7,314,073 1,550,980 7,645,305 86%
Eksposur Korporasi Umum 2) General Corporate Exposure 2)
Struktur Permodalan dan Manajemen Risiko
Receivables from Securities
Tagihan kepada Perusahaan Efek dan
- - - - - 0% Companies and Other Financial
Lembaga Jasa Keuangan Lain 3)
Services Institutions 3)
Eksposur Pembiayaan Khusus4) - - - - - 0% Special financing exposure4)
Receivables in the from
Tagihan berupa Surat Berharga/
Subordinated Securities/
7. Piutang Subordinasi, Ekuitas, dan 215,931 - 215,931 539,826 250% Receivables, Equity and Other
Instrumen Modal Lainnya
Capital Instruments
Receivables from Microbusiness,
Tagihan kepada Usaha Mikro, Usaha
8.
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
2,413,356 760,111 1,923,052 304,044 1,893,032 85% Small Business, and Retail
Kecil, dan Portofolio Ritel
Portfolio
9. Kredit Beragun Properti 0% Property Collateralized Loans
Kredit Beragun Properti Rumah Residential Property Collateralized
Tinggal yang Pembayarannya Tidak Loans which the Payments Are Not
Bergantung Secara Material pada 150,868 - 150,868 - 74,430 49% Materially Dependent on Property
Arus Kas Properti Cash Flow
Kredit Beragun Properti Rumah Residential Property Collateralized
Tinggal yang Pembayarannya Loans which the Payments Are
Bergantung Secara Material pada - - - - - 0% Materially Dependent on Property
Arus Kas Properti Cash Flow
Kredit Beragun Properti Komersial Commercial Property
yang Pembayarannya Tidak Collateralized Loans which the
Bergantung Secara Material pada - - - - - 0% Payments Are Not Materially
Arus Kas Properti Dependent on Property Cash Flow
Page 381
Tagihan Bersih Sebelum Penerapan Tagihan Bersih Setelah Penerapan
FKK dan Teknik MRK FKK dan Teknik MRK
ATMR dan Rata-Rata Bobot Risiko
Net Receivables Before Net Receivables After
RWA and Risk Weight Average
Implementation of FKK and MRK Implementation of FKK and MRK
Techniques Techniques
No Kategori Portofolio Portfolio Category
Laporan Posisi Laporan Posisi Rata-Rata Bobot
Keuangan Keuangan Risiko (e/(c+d))
Statements TRA Statements TRA ATMR Risk Weight
of Financial of Financial Average (e/
Position Position (c+d))
a b c d e f
Kredit Beragun Properti Komersial Commercial Property
yang Pembayarannya Bergantung Collateralized Loans which
Secara Material pada Arus Kas 2,919,842 575,368 2,919,842 230,147 2,802,719 89% the Payments Are Materially
Properti Dependent on Property Cash Flow
Kredit Pengadaan tanah, Land Acquisition, Land Processing,
10. - - - - - 0%
Pengolahan Tanah, dan Konstruksi and Construction Loans
11. Tagihan yang Telah Jatuh Tempo 585,719 - 585,719 - 792,605 135% Due Receivables
12. Aset Lainnya 1,183,389 - 1,183,389 - 1,365,877 115% Other Assets
Total 27,914,096 6,341,014 26,169,485 2,532,510 16,990,456 59% Total
2) Pengungkapan Tambahan / Additional Disclosure
1. 1. Bank tidak memiliki eksposur risiko kredit dan dampak teknik MRK secara konsolidasi karena berdasarkan Surat OJK No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk.
dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi Atas Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi entitas anak PT Bank Victoria International Tbk
1. The Bank has no exposure to credit risk and the impact of MRK techniques on a consolidated basis due to based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of PT Bank Victoria Syariah’s
Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-EKS/12/22 on the Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of
PT Bank Victoria International Tbk.
Pengungkapan Eksposur berdasarkan Kelas Aset dan Bobot Risiko (CR5)
Disclosure of Exposure by Asset Class and Risk Weight (CR5)
1) Bank secara Individu / Bank Individually
(dalam jutaan rupiah / in million Rupiah)
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
379
Page 382
380
Tagihan Bersih Setelah
FKK dan Teknik MRK
Kategori Portofolio Lainnya
No 0% 20% 50% 100% 150% Net Receivables
Portfolio Category Other
After FKK and MRK
Techniques
Tagihan kepada Pemerintah
1. Receivables from 6,111,398 - - - - 6,111,398
Government
Tagihan Bersih Setelah
FKK dan Teknik MRK
Kategori Portofolio Lainnya
No 20% 50% 100% 150% Net Receivables
Portfolio Category Other
After FKK and MRK
Techniques
Capital Structure and Risk Management
Tagihan kepada Entitas
Struktur Permodalan dan Manajemen Risiko
Sektor Publik
2. Receivables from Public 572,137 386,330 - - 958,467
Sector Entities
Tagihan Bersih Setelah
FKK dan Teknik MRK
Kategori Portofolio Lainnya
No 0% 20% 30% 50% 100% 150% Net Receivables
Portfolio Category Other
After FKK and MRK
Techniques
Tagihan kepada Bank
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Pembangunan Multilateral
dan Lembaga Internasional
3. Receivables from - - - 53,157 - - 53,157
Multilateral Development
Banks and International
Institutions
Page 383
Tagihan Bersih Setelah
FKK dan Teknik MRK
Kategori Portofolio Lainnya
No 20% 30% 40% 50% 75% 100% 150% Net Receivables
Portfolio Category Other
After FKK and MRK
Techniques
Tagihan kepada Bank
Receivables from Banks 1,640,316 11,239 - - - 1,651,555
Tagihan kepada Perusahaan
Efek dan Lembaga Jasa
4. Keuangan Lainnya 1)
Receivables from 1,650,221 575,165 821,947 502,040 - - - 3,549,372
Securities Companies and
Other Financial Services
Institutions 1)
Tagihan Bersih Setelah
FKK dan Teknik MRK
Kategori Portofolio Lainnya
No 10% 15% 20% 25% 35% 50% 100% Net Receivables
Portfolio Category Other
After FKK and MRK
Techniques
5. Tagihan berupa covered - - - - - - - -
Bond
Receivables in the form of
Covered Bond
Tagihan Bersih Setelah
FKK dan Teknik MRK
Kategori Portofolio Lainnya
No 20% 50% 65% 75% 80% 85% 100% 130% 150% Net Receivables
Portfolio Category Other
After FKK and MRK
Techniques
Tagihan kepada Korporasi
Umum 2)
Receivables from General 872,259 553,272 - 101,575 - 1,466,074 5,871,873 - - 8,865,053
Corporations 2)
Tagihan kepada Perusahaan
6. efek dan lembaga jasa
keuangan lain 3)
Receivables from - - - - - - - -
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
Securities Companies and
Other Financial Services
Institutions 3)
381
Page 384
382
Tagihan Bersih Setelah
FKK dan Teknik MRK
Kategori Portofolio Lainnya
No 20% 50% 65% 75% 80% 85% 100% 130% 150% Net Receivables
Portfolio Category Other
After FKK and MRK
Techniques
Eksposur pembiayaan
khusus 4) - - - - - - - -
Special financing exposure 4)
Tagihan Bersih Setelah
FKK dan Teknik MRK
Kategori Portofolio Lainnya
No 100% 150% 250% 400% Net Receivables
Portfolio Category Other
After FKK and MRK
Techniques
Capital Structure and Risk Management
Tagihan kepada Surat
Struktur Permodalan dan Manajemen Risiko
Berharga/Piutang
Subordinasi, Ekuitas, dan
Instrumen Modal lainnya
7. Receivables in the form of - - 215,931 - 215,931
Subordinated Securities/
Receivables, Equity and
Other Capital Instruments
Tagihan Bersih Setelah
FKK dan Teknik MRK
Kategori Portofolio Lainnya
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
No 45% 75% 85% 100% Net Receivables
Portfolio Category Other
After FKK and MRK
Techniques
Tagihan kepada Usaha Mikro,
Usaha Kecil, dan Portofolio
Ritel
8. Receivables from - - 2,227,096 - 2,227,096
Microbusiness, Small
Business, and Retail
Portfolio
Page 385
Tagihan Bersih
Kategori Setelah FKK dan
Portofolio Lainnya Teknik MRK
No 0%5) 20% 25% 30% 35% 40% 45% 50% 60% 65%5) 70% 75% 85% 90% 100% 105% 110% 150%
Portfolio Other Net Receivables
Category After FKK and
MRK Techniques
Kredit Beragun
Properti
Property
Collateralized
Loans
Kredit Beragun
Properti Rumah
Tinggal yang
Pembayarannya
Tidak
Bergantung
9. Secara Material
pada Arus Kas
Properti
Residential 27,506 11,518 24,165 5,193 5,089 77,398 150,868
Property
Collateralized
Loans which the
Payments Are
Not Materially
Dependent on
Property Cash
Flow
tanpa
pendekatan
pembagian
kredit 5)
without
loan sharing
approach 5)
dengan
menggunakan
pendekatan
pembagian
kredit
(dijamin) 5)
using a loan
sharing
approach
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
(guaranteed) 5)
383
Page 386
Tagihan Bersih
384
Kategori Setelah FKK dan
Portofolio Lainnya Teknik MRK
No 0%5) 20% 25% 30% 35% 40% 45% 50% 60% 65%5) 70% 75% 85% 90% 100% 105% 110% 150%
Portfolio Other Net Receivables
Category After FKK and
MRK Techniques
dengan
menggunakan
pendekatan
pembagian
kredit
(dijamin) 5)
using a loan
sharing
approach
(guaranteed) 5)
Capital Structure and Risk Management
Kredit Beragun
Struktur Permodalan dan Manajemen Risiko
Properti Rumah
Tinggal yang
Pembayarannya
Bergantung
Secara Material
pada Arus Kas
Properti
Residential
Property
Collateralized
Loans which
the Payments
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Are Materially
Dependent on
Property Cash
Flow
Kredit Beragun
Properti
Komersial yang
Pembayarannya
Tidak
Bergantung
Secara Material
pada Arus Kas
Properti
Page 387
Tagihan Bersih
Kategori Setelah FKK dan
Portofolio Lainnya Teknik MRK
No 0%5) 20% 25% 30% 35% 40% 45% 50% 60% 65%5) 70% 75% 85% 90% 100% 105% 110% 150%
Portfolio Other Net Receivables
Category After FKK and
MRK Techniques
Commercial
Property
Collateralized
Loans which the
Payments Are
Not Materially
Dependent on
Property Cash
Flow
tanpa
pendekatan
pembagian
kredit 5)
without
loan sharing
approach 5)
dengan
menggunakan
pendekatan
pembagian
kredit
(dijamin) 5)
using a loan
sharing
approach
(guaranteed) 5)
dengan
menggunakan
pendekatan
pembagian
kredit
(dijamin) 5)
using a loan
sharing
approach
(guaranteed) 5)
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
385
Page 388
Tagihan Bersih
386
Kategori Setelah FKK dan
Portofolio Lainnya Teknik MRK
No 0%5) 20% 25% 30% 35% 40% 45% 50% 60% 65%5) 70% 75% 85% 90% 100% 105% 110% 150%
Portfolio Other Net Receivables
Category After FKK and
MRK Techniques
Kredit Beragun
Properti
Komersial yang
Pembayarannya
Bergantung
Secara Material
pada Arus Kas
Properti
Commercial 1,311,179 740,987 1,097,824 3,149,989
Property
Capital Structure and Risk Management
Collateralized
Loans which
Struktur Permodalan dan Manajemen Risiko
the Payments
Are Materially
Dependent on
Property Cash
Flow
Kredit
Pengadaan
Tanah,
Pengolahan
Tanah, dan
Konstruksi 5)
Land
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Acquisition,
Land
Processing,
and
Construction
Loans 5)
Tagihan Bersih Setelah
FKK dan Teknik MRK
Kategori Portofolio Lainnya
No 50% 100% 150% Net Receivables
Portfolio Category Other
After FKK and MRK
Techniques
Tagihan yang Telah Jatuh
10. Tempo 55,012 61,924 468,783 585,719
Other Assets
Page 389
Tagihan Bersih Setelah
FKK dan Teknik MRK
Kategori Portofolio Lainnya
No 0% 20% 100% 150% 1250% 5) Net Receivables
Portfolio Category Other
After FKK and MRK
Techniques
11. Aset Lainnya 92,821 539,952 550,616 1,183,389
Tagihan Bersih
Tagihan Bersih Laporan Tagihan Bersih TRA
(Setelah Pengenaan FKK dan
Bobot Risiko Posisi Keuangan (sebelum pengenaan FKK) Rata - Rata FKK
No. Teknik MRK)
Risk Weight Net Receivables Statement of Net Receivables TRA (before FKK FKK Average
Net Receivables (After FKK and
Financial Position imposition)
MRK Techniques)
1. < 40% 11,356,105 1,764,000 22% 11,577,505
2. 40% - 70% 3,318,586 1,465,411 45% 3,781,855
3. 75% 101,575 - - 101,575
4. 85% 2,428,450 2,917,059 53% 3,693,170
5. 90% - 100 8,396,132 144,780 40% 7,214,736
6. 105% - 130% 1,077,918 49,764 40% 1,097,824
7. 150% 1,019,399 - - 1,019,399
8. 250% 215,931 - - 215,931
9. 400% - - - -
10. 1250% - - - -
Total Tagihan Bersih
11. Total Net Receivables 27,914,096 6,341,014 20% 28,701,994
2) Pengungkapan Tambahan / Additional Disclosure
1. Bank tidak memiliki eksposur risiko kredit dan dampak teknik MRK secara konsolidasi karena berdasarkan Surat OJK No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham PT Bank Victoria Syariah oleh PT Victoria Investama Tbk.
dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi Atas Inisiatif Sendiri PT Bank Victoria International Tbk (Bank), maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi entitas anak PT Bank Victoria International Tbk
1. The Bank has no exposure to credit risk and the impact of MRK techniques on a consolidated basis due to based on Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the Acquisition of PT Bank Victoria Syariah’s
Shares by PT Victoria Investama Tbk and Board of Directors’ Decision Letter No. 113/DIR-EKS/12/22 on the Divestment Implementation Report on PT Bank Victoria International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of
PT Bank Victoria International Tbk
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
387
Page 390
Tabel Pengungkapan Analisis Eksposur Counterparty Credit Risk (CCR1)
388
Table of Disclosure of Exposure Analysis of Counterparty Credit Risk (CCR1)
Bank tidak memiliki eksposur Counterparty Credit Risk (CCR1).
The Bank has no exposure of Counterparty Credit Risk (CCR1).
Tabel Pengungkapan Eksposur CCR berdasarkan Kategori Portofolio dan Bobot Risiko (CCR3)
Table CCR Exposure by Portfolio Category and Risk Weight (CCR3)
(dalam jutaan rupiah / in million Rupiah)
31 Desember 2023
Bobot Risiko 31 December 2023 Risk Weight
a b c d e f g h i
Total
Capital Structure and Risk Management
Tagihan
Lainnya
Struktur Permodalan dan Manajemen Risiko
Kategori Potofolio 0% 10% 20% 50% 75% 100% 150% Bersih Portfolio Category
Other
Total Net
Receivables
Indonesia - - - - - - - - - Indonesia
Tagihan kepada Pemerintah dan Claims against Government and
Bank Sentral - - - - - - - - - Central Bank
Tagihan kepada Entitas Sektor - Claims against Public Sector
Publik - - - - - - - - Entities
-
Tagihan kepada Bank Claims against Multilateral
Pembangunan Multilateral dan - - - - - - - - - Development Banks and
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Lembaga Internasional International Institutions
Tagihan kepada Bank Lain - - 637,703 - - - - - 637,703 Receivables from Other Banks
Receivables in the form of Covered
Tagihan berupa Covered Bond - - - - - - - - - Bond
Tagihan kepada Perusahaan Efek Receivables from Securities
dan Lembaga Jasa Keuangan - - - - - - - - - Companies and Other Financial
Lainnya Services Institutions
Page 391
31 Desember 2023
Bobot Risiko 31 December 2023 Risk Weight
a b c d e f g h i
Total
Tagihan
Lainnya
Kategori Potofolio 0% 10% 20% 50% 75% 100% 150% Bersih Portfolio Category
Other
Total Net
Receivables
Receivables in the form of
Tagihan berupa Surat Berharga/
Subordinated Securities/
Piutang Subordinasi, Ekuitas, dan - - - - - - - - - Receivables, Equity and Other
Instrumen Modal Lainnya
Capital Instruments
Kredit Beragunan Properti Rumah Residential Property Collateralized
Tinggal - - - - - - - - - Loans
Kredit Beragunan Properti Commercial Property
Komersial - - - - - - - - - Collateralized Loans
Kredit untuk Pengadaan Tanah, Loan by Land Acquisition, Land
Pengolahan Tanah, dan Konstruksi - - - - - - - - - Processing, and Construction
Kredit Pegawai/Pensiunan - - - - - - - - - Employee/Retirement Loans
Tagihan kepada Korporasi - - - - - - - - - Receivables from Corporations
Receivables from Microbusiness,
Tagihan Kepada Usaha Mikro,
- - - - - - - - - Small Business, and Retail
Usaha Kecil, dan Portofolio Ritel
Portfolio
Tagihan yang Telah Jatuh Tempo - - - - - - - - - Due Receivables
Aset lainnya - - - - - - - - - Other Assets
Total - - 637,703 - - - - - 637,703 Total
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
389
Page 392
(dalam jutaan rupiah / in million Rupiah)
390
31 Desember 2022
Bobot Risiko 31 Desember 2022 Risk Weight
a b c d e f g h i
Total
Tagihan
Lainnya
Kategori Potofolio 0% 10% 20% 50% 75% 100% 150% Bersih Portfolio Category
Lainnya
Total Net
Receivables
Indonesia - - - - - - - - - Indonesia
Tagihan kepada Pemerintah dan Claims against Government and
599,025 - - - - - - - 599,025
Bank Sentral Central Bank
Capital Structure and Risk Management
Tagihan kepada Entitas Sektor Claims against Public Sector
Struktur Permodalan dan Manajemen Risiko
- - - - - - - - -
Publik Entities
Tagihan kepada Bank Claims against Multilateral
Pembangunan Multilateral dan - - - - - - - - - Development Banks and
Lembaga Internasional International Institutions
Tagihan kepada Bank Lain - - 240,859 - - - - - 240,859 Receivables from Other Banks
Receivables in the form of Covered
Tagihan berupa Covered Bond
Bond
Tagihan kepada Perusahaan Efek Receivables from Securities
dan Lembaga Jasa Keuangan Companies and Other Financial
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Lainnya Services Institutions
Receivables in the form of
Tagihan berupa Surat Berharga/
Subordinated Securities/
Piutang Subordinasi, Ekuitas, dan - - - - - - - - -
Receivables, Equity and Other
Instrumen Modal Lainnya
Capital Instruments
Kredit Beragunan Properti Rumah Residential Property Collateralized
Tinggal Loans
Kredit Beragunan Properti Commercial Property
Komersial Collateralized Loans
Kredit untuk Pengadaan Tanah, Loan by Land Acquisition, Land
Pengolahan Tanah, dan Konstruksi Processing, and Construction
Kredit Pegawai/Pensiunan Employee/Retirement Loans
Tagihan kepada Korporasi - - - - - - - - - Receivables from Corporations
Page 393
31 Desember 2022
Bobot Risiko 31 Desember 2022 Risk Weight
a b c d e f g h i
Total
Tagihan
Lainnya
Kategori Potofolio 0% 10% 20% 50% 75% 100% 150% Bersih Portfolio Category
Lainnya
Total Net
Receivables
Receivables from Microbusiness,
Tagihan Kepada Usaha Mikro,
- - - - - - - - - Small Business, and Retail
Usaha Kecil, dan Portofolio Ritel
Portfolio
Tagihan yang Telah Jatuh Tempo Due Receivables
Aset lainnya - - - - - - - - - Other Assets
Total 599,025 - 240,859 - - - - - 839,885 Total
Tabel Pengungkapan Tagihan Bersih Derivatif Kredit (CCR6)
Table of Disclosure of Net Receivables of Credit Derivative (CCR6)
Bank tidak memiliki eksposur Derivatif Kredit (CCR6)
The Bank has no Credit Derivative exposure (CCR6)
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
391
Page 394
Tabel Eksposur Sekuritisasi pada Banking Book (Tabel SEC1)
392
Disclosure of Security Exposures in the Banking Book (Tabel SEC1)
(dalam jutaan rupiah / in million Rupiah)
31 Desember 2023
31 Desember 2023
a b c e f g i j k
No Kategori Portofolio Bank sebagai originator Bank sebagai sponsor Bank sebagai investor Portofolio Category
Bank as Originator Bank as Sponsor Bank as Investor
Traditional Sintetis Traditional Sintetis Traditional Sintetis
Sub-total Sub-total Sub-total
Traditional Synthetic Traditional Synthetic Traditional Synthetic
Retail (Total) - Among
1. Retail (total) –antara lain - - - - - - 8,593 - 8,593 Others
Capital Structure and Risk Management
2. Kredit perumahan - - - - - - 8,593 - 8,593 Housing Loans
Struktur Permodalan dan Manajemen Risiko
3. Kartu kredit - - - - - - - - - Credit Cards
Other Retail
4. Eksposur ritel lainnya - - - - - - - - - Exposures
5. Re-sekuritisasi - - - - - - - - - Re-Securitization
Non-retail (total) – antara Non-Retail (Total) -
6. - - - - - - - - -
lain Among Others
7. Kredit korporasi - - - - - - - - - Corporate Loans
8. Kredit komersil - - - - - - - - - Commercial Credit
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Rent and Accounts
9. Sewa dan piutang - - - - - - - - - Receivable
10. Non-retail lainnya - - - - - - - - - Other Non-Retail
11. Re-sekuritisasi - - - - - - - - - Re-Securitization
Page 395
(dalam jutaan rupiah / in million Rupiah)
31 Desember 2022
31 Desember 2022
a b c e f g i j k
No Kategori Portofolio Bank sebagai originator Bank sebagai sponsor Bank sebagai investor Portofolio Category
Bank as Originator Bank as Sponsor Bank as Investor
Traditional Sintetis Traditional Sintetis Traditional Sintetis
Sub-total Sub-total Sub-total
Traditional Synthetic Traditional Synthetic Traditional Synthetic
Retail (Total) - Among
1. Retail (total) –antara lain - - - - - - 22,015 - 22,015
Others
2. Kredit perumahan - - - - - - 22,015 - 22,015 Housing Loans
3. Kartu kredit - - - - - - - - - Credit Cards
Other Retail
4. Eksposur ritel lainnya - - - - - - - - -
Exposures
5. Re-sekuritisasi - - - - - - - - - Re-Securitization
Non-retail (total) – antara Non-Retail (Total) -
6. - - - - - - - - -
lain Among Others
7. Kredit korporasi - - - - - - - - - Corporate Loans
8. Kredit komersil - - - - - - - - - Commercial Credit
Rent and Accounts
9. Sewa dan piutang - - - - - - - - -
Receivable
10. Non-retail lainnya - - - - - - - - - Other Non-Retail
11. Re-sekuritisasi - - - - - - - - - Re-Securitization
Analisis Kualitatif
Qualitative Analysis
Bank melakukan investasi pada pihak ketiga (produk EBA) yang mempunyai peringkat investment grade AAA s.d AA- sebagai upaya untuk mendiversifikasi risiko likuiditas (Liquidity Facility) dan return.
Bank invests in third parties (ABS products) with investment grade ratings of AAA to AA- as an effort to diversify liquidity risk (Liquidity Facility) and returns.
Tabel Eksposur Sekuritisasi pada Trading Book (Tabel SEC2)
Table of Securitization Exposure in the Trading Book (Table SEC2)
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
Bank tidak memiliki eksposur sekuritisasi pada trading book.
The Bank has no securitization exposure in the trading book.
393
Page 396
394
Tabel Eksposur Sekuritisasi pada Banking Book dan terkait Persyaratan Modalnya – Bank yang Bertindak Sebagai Originator atau Sponsor (SEC3)
Table of Securitization Exposure in the Banking Book and related to its Capital Requirements – Bank Acting as Originator or Sponsor (SEC3)
Bank tidak memiliki eksposur sekuritisasi pada Banking Book sebagai Originator atau Sponsor
The Bank has no securitization exposure in the Banking Book as Originator or Sponsor.
Tabel Eksposur Sekuritisasi pada Banking Book dan Persyaratan Modalnya – Bank yang Bertindak Sebagai Investor (SEC4)
Table of Securitization Exposure in Banking Book and related to its Capital Requirements – Bank Acting as Investor (SEC4) (dalam jutaan rupiah / in million Rupiah)
31 Desember 2023
31 Desember 2023
a b c d e f g h i j k l m n o p q
Capital Structure and Risk Management
Struktur Permodalan dan Manajemen Risiko
Nilai eksposur ATMR
Nilai eksposur (berdasarkan regulatory (berdasarkan regulatory
(berdasarkan Bobot Risiko) approach) approach) Capital charge after cap
Exposure Value (based on Risk Weight) Exposure Value ATMR
Kategori Portofolio
No (based on Regulatory Approach) (based on Regulatory Approach)
Portofolio Category
>50% >100%
>20% 1.250
≤20% to 100% to <1.250
to 50% %
Bobot Bobot % Bobot
Bobot Bobot
Risiko Risiko Risiko IRB IRB SA/ IRB IRB SA/ IRB IRB SA/
Risiko Risiko 1,250% 1,250% 1,250%
≤20% >50% to >100% to RBA SFA SSFA RBA SFA SSFA RBA SFA SSFA
>20% to 1,250%
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Risk 100% <1,250%
50% Risk Risk
Weighted Risk Risk
Weighted Weighted
Weighted Weighted
1. Total eksposur 8,593 - - - - - 8,593 - - 1,719 - - 1,719 - Total Exposure
Sekuritisasi Traditional
2. 8,593 - - - - - 8,593 - - 1,719 - - 1,719 - Securitization
tradisional
Dimana In Which the
3. underlying 8,593 - - - - - 8,593 - - 1,719 - - 1,719 - Underlying
sekuritisasi Securitization
4. ritel 8,593 - - - - - 8,593 - - 1,719 - - 1,719 - Retail
5. non-ritel - - - - - - - - - - - - - - Non-Retail
Dimana re- In Which Re-
6. - - - - - - - - - - - - - - Securitization
sekuritisasi
Page 397
31 Desember 2023
31 Desember 2023
a b c d e f g h i j k l m n o p q
Nilai eksposur ATMR
Nilai eksposur (berdasarkan regulatory (berdasarkan regulatory
(berdasarkan Bobot Risiko) approach) approach) Capital charge after cap
Exposure Value (based on Risk Weight) Exposure Value ATMR
Kategori Portofolio
No (based on Regulatory Approach) (based on Regulatory Approach)
Portofolio Category
>50% >100%
>20% 1.250
≤20% to 100% to <1.250
to 50% %
Bobot Bobot % Bobot
Bobot Bobot
Risiko Risiko Risiko IRB IRB SA/ IRB IRB SA/ IRB IRB SA/
Risiko Risiko 1,250% 1,250% 1,250%
≤20% >50% to >100% to RBA SFA SSFA RBA SFA SSFA RBA SFA SSFA
>20% to 1,250%
Risk 100% <1,250%
50% Risk Risk
Weighted Risk Risk
Weighted Weighted
Weighted Weighted
7. Senior - - - - - - - - - - - - - - Senior
8. Non-senior - - - - - - - - - - - - - - Non-Senior
Sekuritisasi Synthetic
9. - - - - - - - - - - - - - - Securitization
sintetis
Dimana In Which the
10. underlying - - - - - - - - - - - - - - Underlying
sekuritisasi Securitization
11. ritel - - - - - - - - - - - - - - Retail
12. non-ritel - - - - - - - - - - - - - - Non-Retail
Dimana re- In Which Re-
13. - - - - - - - - - - - - - - Securitization
sekuritisasi
14. Senior - - - - - - - - - - - - - - Senior
15. Non-senior - - - - - - - - - - - - - - Non-Senior
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
395
Page 398
(dalam jutaan rupiah / in million Rupiah)
396
31 Desember 2022
31 Desember 2022
a b c d e f g h i j k l m n o p q
Nilai eksposur ATMR
Nilai eksposur (berdasarkan regulatory (berdasarkan regulatory
(berdasarkan Bobot Risiko) approach) approach) Capital charge after cap
Exposure Value (based on Risk Weight) Exposure Value ATMR
Kategori Portofolio
No (based on Regulatory Approach) (based on Regulatory Approach)
Portofolio Category
>50% >100%
>20%
≤20% to 100% to <1.250 1.250 %
to 50%
Bobot Bobot % Bobot Bobot
Capital Structure and Risk Management
Bobot
Risiko Risiko Risiko Risiko IRB IRB SA/ IRB IRB SA/ IRB IRB SA/
Risiko 1,250% 1,250% 1,250%
Struktur Permodalan dan Manajemen Risiko
≤20% >50% >100% to 1,250% RBA SFA SSFA RBA SFA SSFA RBA SFA SSFA
>20% to
Risk to 100% <1,250% Risk
50% Risk
Weighted Risk Risk Weighted
Weighted
Weighted Weighted
1. Total eksposur 22,015 - - - - - - - 4,403 - - 4,403 - Total Exposure
22,015
Sekuritisasi Traditional
2. 22,015 - - - - - - - 4,403 - - 4,403 - Securitization
tradisional 22,015
Dimana In Which the
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
3. underlying 22,015 - - - - - - - 4,403 - - 4,403 - Underlying
22,015 Securitization
sekuritisasi
4. ritel 22,015 - - - - - - - 4,403 - - 4,403 - Retail
22,015
5. non-ritel - - - - - - - - - - - - - - Non-Retail
Dimana re- In Which Re-
6. - - - - - - - - - - - - - - Securitization
sekuritisasi
7. Senior - - - - - - - - - - - - - - Senior
Page 399
31 Desember 2022
31 Desember 2022
a b c d e f g h i j k l m n o p q
Nilai eksposur ATMR
Nilai eksposur (berdasarkan regulatory (berdasarkan regulatory
(berdasarkan Bobot Risiko) approach) approach) Capital charge after cap
Exposure Value (based on Risk Weight) Exposure Value ATMR
Kategori Portofolio
No (based on Regulatory Approach) (based on Regulatory Approach)
Portofolio Category
>50% >100%
>20%
≤20% to 100% to <1.250 1.250 %
to 50%
Bobot Bobot % Bobot Bobot
Bobot
Risiko Risiko Risiko Risiko IRB IRB SA/ IRB IRB SA/ IRB IRB SA/
Risiko 1,250% 1,250% 1,250%
≤20% >50% >100% to 1,250% RBA SFA SSFA RBA SFA SSFA RBA SFA SSFA
>20% to
Risk to 100% <1,250% Risk
50% Risk
Weighted Risk Risk Weighted
Weighted
Weighted Weighted
8. Non-senior - - - - - - - - - - - - - - Non-Senior
Sekuritisasi Synthetic
9. - - - - - - - - - - - - - - Securitization
sintetis
Dimana In Which the
10. underlying - - - - - - - - - - - - - - Underlying
sekuritisasi Securitization
11. ritel - - - - - - - - - - - - - - Retail
12. non-ritel - - - - - - - - - - - - - - Non-Retail
Dimana re- In Which Re-
13. - - - - - - - - - - - - - - Securitization
sekuritisasi
14. Senior - - - - - - - - - - - - - - Senior
15. Non-senior - - - - - - - - - - - - - - Non-Senior
Analisis Kualitatif
Qualitative Analysis
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
Untuk eksposur sekuritisasi pada banking book, perhitungan ATMR risiko kredit dilakukan dengan menggunakan pendekatan standar (standardized approach), dimana sekuritisasi tersebut memiliki investment grade
AAA s.d AA- yang memiliki bobot 20% pada perhitungan ATMR.
For securitization exposure in the banking book, credit risk RWA is calculated by using a standardized approach, in which the securitization has investment grade of AAA to AA- with a 20% weight in RWA
calculation.
397
Page 400
Tabel Pengungkapan Risiko Pasar Dengan Menggunakan Metode Standar
398
Table of Disclosure of Market Risk Using Standardized Method (dalam jutaan rupiah / in million Rupiah)
31 Desember 2023 31 Desember 2022
31 Desember 2023 31 Desember 2022
Individual Konsolidasi Individual Konsolidasi
Individually Consolidate Individually Consolidate
No. Jenis Risiko Type of Risk
Beban Beban Beban Beban
Modal Modal Modal Modal
ATMR ATMR ATMR ATMR
Capital Capital Capital Capital
Expenses Expenses Expenses Expenses
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1. Risiko Suku Bunga 53,756 671,954 - - 37,764 472,052 Interest Rate Risk
Capital Structure and Risk Management
a. Risiko Spesifik 49,037 612,958 - - 30,356 379,446 a. Specific Risk
Struktur Permodalan dan Manajemen Risiko
b. Risiko Umum 4,720 58,996 - - 7,408 92,606 b. General Risk
2. Risiko Nilai Tukar 1,053 13,165 - - 486 6,079 Exchange Rate Risk
3. Risiko Ekuitas *) Equity Risk*)
4. Risiko Komoditas *) Commodity Risk*)
5. Risiko Option - - - - - - - - Option Risk
Total 54,810 685,119 - - 38,250 478,131 Total
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Tabel Interest Rate Risk in Banking Book - Laporan Penerapan Manajemen Risiko untuk IRRBB
Table of Interest Rate Risk in the Banking Book - Report on Risk Management Implementation for IRRBB
Bank berada dalam Buku 2 (Kelompok Bank Modal Inti/KBMI 1, berdasarkan Peraturan Otoritas Jasa Keuangan No. 12/POJK.03/2021) dan tidak memenuhi kriteria untuk mengungkapkan laporan
perhitungan Interest Rate Risk in Banking Book (IRRBB) sesuai Surat Edaran Otoritas Jasa Keuangan No. 12/SEOJK.03/2018 tanggal 21 Agustus 2018 tentang Penerapan Manajemen Risiko dan
Pengukuran Risiko Pendekatan Standar Untuk Risiko Suku Bunga dalam Banking Book (IRRBB) Bagi Bank Umum. Dalam hal mengendalikan risiko suku bunga pada banking book, Bank menggunakan
analisa sensitivitas berdasarkan maturity gap yang disusun dalam rangka pemenuhan ketentuan mengenai penilaian tingkat kesehatan Bank Umum dan penerapan manajemen risiko bagi Bank
Umum. Parameter tersebut dapat memberikan indikasi atas risiko terhadap perspektif nilai ekonomis dan perspektif pendapatan Bank yang timbul dari pergerakan skenario suku bunga dalam
kondisi shock yang mempengaruhi posisi banking book pada Bank.
The Bank is in BUKU 2 group (Core Capital Bank Group/KBMI 1, based on Financial Services Authority Regulation No. 12/POJK.03/2021) and does not meet the criteria for disclosing a report on the
calculation of Interest Rate Risk in Banking Book (IRRBB) according to Financial Services Authority Circular No. 12/SEOJK.03/2018 dated 21 August 2018 on Implementation of Risk Management
and Standard Approach for Risk Measurement for Interest Rate Risk in the Banking Book (IRRBB) for Commercial Banks. In terms of controlling interest rate risk in the banking book, the Bank
uses a sensitivity analysis based on a maturity gap which is prepared in order to comply with the provisions on assessment of soundness level of Commercial Banks and the implementation of risk
management for Commercial Banks. These parameters can provide an indication of risks to the economic value perspective and the Bank’s income perspective arising from fluctuations in interest
rate scenarios under shock conditions that affect the banking book position at the Bank.
Page 401
Tabel Interest Rate Risk in Banking Book - Laporan Perhitungan IRRBB
Table of Interest Rate Risk in Banking Book - IRRBB Calculation Report
Bank kelompok BUKU 2 (Kelompok Bank Modal Inti/KBMI 1, berdasarkan Peraturan Otoritas Jasa Keuangan No. 12/POJK.03/2021) dan tidak mengungkapkan laporan perhitungan Interest Rate Risk
in Banking Book (IRRBB) sebagaimana diatur didalam Surat Edaran Otoritas Jasa Keuangan No. 12/SEOJK.03/2018
The Bank is in BUKU 2 group (Core Capital Bank Group/KBMI 1, based on Financial Services Authority Regulation No. 12/POJK.03/2021) and does not report the calculation of Interest Rate Risk in
Banking Book (IRRBB) as stipulated in the Financial Services Authority Circular No. 12/SEOJK.03/2018.
Tabel Risiko Likuiditas - Laporan Perhitungan Rasio Kecukupan Likuiditas (LCR)
Table of Liquidity Risk - Liquidity Adequacy Ratio (LCR) Calculation Report
Bank kelompok BUKU 2 (Kelompok Bank Modal Inti/KBMI 1, berdasarkan Peraturan Otoritas Jasa Keuangan No. 12/POJK.03/2021) dan tidak mengungkapkan laporan perhitungan rasio kecukupan
Liquidity Covered Ratio (LCR) sebagaimana diatur dalam Peraturan Otoritas Jasa Keuangan No. 42/POJK.03/2015 tentang Kewajiban Pemenuhan Rasio Kecukupan Likuiditas bagi Bank Umum.
The Bank is in BUKU 2 group (Core Capital Bank Group/KBMI 1, based on Financial Services Authority Regulation No. 12/POJK.03/2021) and does not report the calculation of adequacy of Liquidity
Covered Ratio (LCR) as stipulated in the Financial Services Authority Regulation No. 42/POJK.03/2015 on the Obligation to Fulfill the Liquidity Adequacy Ratio for Commercial Banks.
Tabel Risiko Likuiditas - Laporan NSFR
Table of Liquidity Risk - NSFR Report
Bank kelompok BUKU 2 (Kelompok Bank Modal Inti/KBMI 1, berdasarkan Peraturan Otoritas Jasa Keuangan No. 12/POJK.03/2021) dan tidak mengungkapkan laporan Nett Stable Funding Ratio
(NSFR) sebagaimana diatur dalam Peraturan Otoritas Jasa Keuangan No. 50/POJK.03/2017 tentang Kewajiban Pemenuhan Rasio Pendanaan Stabil Bersih bagi Bank Umum.
The Bank is in BUKU 2 group (Core Capital Bank Group/KBMI 1, based on Financial Services Authority Regulation No. 12/POJK.03/2021) and does not report the Net Stable Funding Ratio (NSFR) as
stipulated in the Financial Services Authority Regulation No. 50/POJK.03/2017 on the Obligation to Fulfill Net Stable Funding Ratio for Commercial Banks.
Tabel Risiko Likuiditas - Aset Terikat (Encumbrance) (ENC)
Table of Liquidity Risk - Encumbrance (ENC)
Bank kelompok BUKU 2 (Kelompok Bank Modal Inti/KBMI 1, berdasarkan Peraturan Otoritas Jasa Keuangan No. 12/POJK.03/2021) dan tidak mengungkapkan Aset Terikat (Encumbrance)
sebagaimana diatur dalam Peraturan Otoritas Jasa Keuangan No. 42/POJK.03/2015 tentang Kewajiban Pemenuhan Rasio Kecukupan Likuiditas bagi Bank Umum.
The Bank is in BUKU 2 group (Core Capital Bank Group/KBMI 1, based on Financial Services Authority Regulation No. 12/POJK.03/2021) and does not disclose Encumbrance as stipulated in the
Financial Services Authority Regulation No. 42/POJK.03/2015 on the Obligation to Fulfill the Liquidity Adequacy Ratio for Commercial Banks.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk
399
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Tabel Pengungkapan Risiko Operasional
400
Table of Disclosure of Operational Risk
Tabel Pengungkapan Kuantitatif Risiko Operasional - Bank secara Individual
Table of Disclosure of Operational Risk Quantitative - Bank Individually
(dalam jutaan rupiah / in million Rupiah)
31 Desember 2023
31 December 2023
No. Pendekatan yang Digunakan Approach Used
Jumlah
Total
Pendekatan Standar Standardized Approach
Komponen Indikator Bisnis (KIB) 117,338,587,298 Business Indicator Components (KIB)
1. Faktor Pengali Kerugian Internal (FPKI) Internal Loss Multiplier Factor (FPKI)
Capital Structure and Risk Management
1
Modal Minimum Risiko Operasional (MMRO) Operational Risk Minimum Capital (MMRO)
Struktur Permodalan dan Manajemen Risiko
117,338,587,298
ATMR untuk Risiko Operasional 1,466,732,341,225 RWA for Operational Risk
Tabel Pengungkapan Kuantitatif Risiko Operasional - Bank secara Konsolidasi dengan Entitas Anak
Table of Disclosure of Operational Risk Quantitative - Bank Consolidated with Subsidiaries
Bank tidak memiliki eksposur risiko operasional secara konsolidasi karena berdasarkan Surat OJK No. S-301/PB.101/2022 Perihal Penyampaian Keputusan Izin Pengambilalihan Saham PT Bank
Victoria Syariah oleh PT Victoria Investama Tbk. dan Surat Direksi No. 133/DIR-EKS/12/22 Perihal Laporan Pelaksanaan Divestasi Atas Inisiatif Sendiri PT Bank Victoria International Tbk (Bank),
maka dengan demikian PT Bank Victoria Syariah tidak lagi menjadi entitas anak PT Bank Victoria International Tbk
PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
The Bank has no operational risk exposure on a consolidated basis due to based on OJK Financial Services Authority Letter No. S-301/PB.101/2022 on Submission of the Decision on Permit to the
Acquisition of PT Bank Victoria Syariah’s Shares by PT Victoria Investama Tbk and Board of Directors’ Letter No. 133/DIR-EKS/12/22 on the Divestment Implementation Report on PT Bank Victoria
International Tbk’s (Bank) Self Initiative, therefore, PT Bank Victoria Syariah is no longer a subsidiary of PT Bank Victoria International TbkW
Page 403
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 401
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Tanggung Jawab Sosial dan Lingkungan Hidup
Corporate Social and Environmental Responsibility
TANGGUNG
JAWAB SOSIAL DAN
LINGKUNGAN HIDUP
Social and Environmental Responsibility
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2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 403
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Tanggung Jawab Sosial dan Lingkungan Hidup
Corporate Social and Environmental Responsibility
Bank Victoria menyadari bahwa kesuksesan di industri perbankan Bank Victoria realizes that the success in banking industry
tidak hanya bergantung pada manajemen dan operasional, depends not only on management and operations, but also
tetapi juga pada kontribusi terhadap pengembangan sosial, on contributions to social, community, and environmental
masyarakat, dan lingkungan. Oleh karenanya, Bank berkomitmen development. Therefore, the Bank is committed to performing
untuk menjalankan kegiatan usaha dengan memprioritaskan business activities by prioritizing harmony between economic,
keselarasan antara aspek ekonomi, sosial, dan lingkungan. social, and environmental aspects. Through the implementation
Melalui pelaksanaan Program Tanggung Jawab Sosial dan of Social and Environmental Responsibility Program (TJSL), Bank
Lingkungan Hidup (TJSL), Bank Victoria berusaha mendukung Victoria seeks to support a stable, inclusive, and sustainable
pertumbuhan ekonomi yang stabil, inklusif, dan berkelanjutan. economic growth.
Tata Kelola Keberlanjutan
Sustainability Governance
Bank secara konsisten menerapkan prinsip-prinsip GCG dalam The Bank consistently applies GCG principles in business activities
kegiatan usaha dengan berfokus pada manajemen risiko by focusing on risk management related to economic, social, and
terkait aspek ekonomi, sosial, dan lingkungan. Implementasi environmental aspects. GCG is implemented through various
GCG dilakukan melalui berbagai program yang sesuai dengan programs that comply with the applicable laws and regulations,
peraturan dan undang-undang yang berlaku, serta mengikuti and follow the standard best practices in Sustainability Report.
standard best practices dalam Laporan Keberlanjutan.
Penerapan GCG Bank mengacu pada 7 (tujuh) subjek inti ISO The Bank’s GCG implementation refers to the 7 (seven)
26000 tentang Guidance Standard on Social Responsibility, yaitu: core subjects of ISO 26000 on Guidance Standard on Social
Responsibility, namely:
1. Tata kelola organisasi; 1. Organizational governance;
2. Isu produk dan pelanggan; 2. Products and customers issues;
3. Pemenuhan hak asasi manusia; 3. Fulfillment human rights;
4. Praktik ketenagakerjaan, kesehatan, dan keselamatan kerja; 4. Practices of employment, occupational health and safety;
5. Lingkungan hidup; 5. Environment;
6. Prosedur operasi yang adil; dan 6. Fair operating procedures; and
7. Perlibatan dan pengembangan masyarakat. 7. Community engagement and development.
Dalam upaya menerapkan GCG, Bank juga melakukan internalisasi To implement GCG, the Bank also internalizes the principles of
prinsip-prinsip keuangan berkelanjutan ke seluruh aspek kegiatan sustainable finance in all business aspects which are described
bisnis yang diuraikan sebagai berikut: as follows:
Prinsip Keuangan Berkelanjutan Implementasi di Bank
Sustainable Finance Principles Implementation at the Bank
Investasi Bertanggung Jawab Keputusan investasi Bank mempertimbangkan faktor ekonomi, sosial, lingkungan hidup, dan tata kelola agar
Responsible Investment dapat mengelola risiko secara lebih baik dan menghasilkan keuntungan jangka panjang yang berkelanjutan.
The Bank’s investment decisions consider the economic, social, environmental, and governance factors in
order to manage the risks better and generate long-term, sustainable returns.
Strategi dan Praktik Bisnis Bank berfokus pada pencapaian tujuan jangka panjang dan menetapkan strategi jangka pendek untuk
Berkelanjutan mencapainya.
Sustainable Business Strategies and The Bank focuses on achieving long-term goals and setting short-term strategies to achieve them.
Practices
404 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Prinsip Keuangan Berkelanjutan Implementasi di Bank
Sustainable Finance Principles Implementation at the Bank
Pengelolaan Risiko Sosial dan Bank menerapkan prinsip kehati-hatian dalam mengukur risiko sosial dan lingkungan hidup dari aktivitas
Lingkungan Hidup penghimpunan dan penyaluran dana.
Social and Environmental Risk The Bank applies the prudence principle in measuring social and environmental risks from the funding and
Management lending activities.
Tata Kelola Manajemen dan seluruh aktivitas operasi Bank menerapkan pilar governansi korporat, yaitu perilaku beretika,
Governance akuntabilitas, transparansi, dan keberlanjutan secara konsisten.
The Management and all of the Bank’s operational activities consistently apply the corporate governance
pillars, namely ethical behavior, accountability, transparency, and sustainability.
Komunikasi yang Informatif Bank menyediakan laporan yang informatif, mencakup strategi, tata kelola, kinerja, dan prospek ke depan.
Informative Communication The Bank provides informative reports, covering strategy, governance, performance, and prospects.
Inklusif Bank berupaya menjamin ketersediaan dan keterjangkauan produk dan jasa sehingga dapat diakses oleh
Inclusive seluruh lapisan masyarakat, bahkan termasuk yang belum memiliki akses terhadap produk dan jasa perbankan.
The Bank strives to ensure the availability and affordability of products and services so that they can be
accessed by all levels of community, including those who do not have access to banking products and services.
Pengembangan Sektor Unggulan Bank mempertimbangkan sektor-sektor unggulan prioritas yang telah ditetapkan oleh pemerintah melalui
Prioritas Rencana Pembangunan Jangka Menengah (RPJM) dan Rencana Pembangunan Jangka Panjang (RPJP).
Priority Leading Sector Development The Bank considers the priority leading sectors that have been determined by the government through the
Medium-Term Development Plan (RPJM) and the Long-Term Development Plan (RPJP).
Koordinasi dan Kolaborasi Dalam rangka menyelaraskan kebijakan, strategi, peluang bisnis, dan inovasi produk dan jasa dengan
Coordination and Collaboration kepentingan nasional, Bank berpartisipasi dalam forum/kegiatan/kerja sama terkait keuangan berkelanjutan,
baik pada tingkat lokal, nasional, maupun regional.
To align policies, strategies, business opportunities, and innovation of products and services with national
interests, the Bank participates in forums/activities/cooperations related to sustainable finance, at local,
national, or regional levels.
Struktur Tata Kelola Keberlanjutan [POJK E.1] Sustainable Governance Structure [POJK E.1]
Penerapan prinsip keuangan berkelanjutan di Bank Victoria The application of sustainable finance principles at Bank Victoria
melibatkan berbagai pihak. Untuk memastikan keberhasilan involves various parties. To ensure the successful implementation
penerapan prinsip keuangan berkelanjutan, Bank telah of sustainable finance principles, the Bank has established a
menetapkan struktur tata kelola keberlanjutan. Susunan struktur sustainable governance structure. The composition of the Bank’s
tata kelola keberlanjutan Bank sama dengan struktur GCG Bank. sustainability governance structure is the same as the Bank’s
GCG structure.
Tugas dan tanggung jawab unit/divisi pelaksana penerapan The duties and responsibilities of the units/divisions executing
prinsip keuangan berkelanjutan di lingkungan kerja Bank Victoria the implementation of sustainable finance principles within Bank
diuraikan sebagai berikut: Victoria’s work environment are described as follows:
1. Compliance & System Procedure bertugas mengawasi 1. Compliance & System Procedure having the duty to supervise
realisasi penyusunan standar operasional; the realization of the preparation of operational standards;
2. Human Capital Management bertugas mengawasi 2. Human Capital Management having the duty to supervise
pelaksanaan pelatihan, khususnya terkait aspek keuangan training implementation, related to sustainable finance
berkelanjutan yang dilaksanakan bagi karyawan Bank; aspects carried out for the Bank’s employees;
3. Credit Risk Review bertugas mengawasi penyaluran kredit 3. Credit Risk Review having the duty to supervise financing
kepada kegiatan usaha berwawasan lingkungan; distribution to environmentally friendly business activities;
4. Business Unit bertugas menyalurkan kredit kepada debitur- 4. Business Unit having the duty to distribute loans to debtors
debitur yang termasuk kategori kegiatan usaha berwawasan categorized as environmentally friendly business activities;
lingkungan;
5. Risk Management/Integrated bertugas memantau eksposur 5. Risk Management/Integrated having the duty to monitor risk
risiko yang terkait dengan keuangan berkelanjutan; dan exposure related to sustainable finance; and
6. Corporate Secretary bertugas mengonsolidasikan hasil 6. Corporate Secretary having the duty to consolidate the
pengawasan atau tinjauan yang telah dilakukan oleh masing- results of supervision or review conducted by each unit/
masing unit/divisi. division.
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Tanggung Jawab Sosial dan Lingkungan Hidup
Corporate Social and Environmental Responsibility
Dalam pelaksanaannya, masing-masing unit/divisi In its implementation, each unit/division implements and
mengimplementasikan dan mengawasi penerapan prinsip monitors the implementation of sustainable finance principles.
keuangan berkelanjutan. Selanjutnya, hasil pengawasan Furthermore, the monitoring results are submitted to the
tersebut disampaikan kepada Divisi Corporate Secretary untuk Corporate Secretary Division to be followed up and consolidated
ditindaklanjuti dan dikonsolidasikan kepada Direktur Kepatuhan to the Director of Compliance and Risk Management. The
dan Manajemen Risiko. Direktur Kepatuhan dan Manajemen Director of Compliance and Risk Management will then submit
Risiko akan menyampaikan hasil tersebut kepada Direksi untuk the results to the Board of Directors for evaluation, in order for
dievaluasi sehingga penerapan keuangan berkelanjutan yang the implementation of sustainable finance to run more smoothly.
dilakukan berjalan semakin baik. Selain itu, Dewan Komisaris In addition, the Board of Commissioners’ role is to monitor the
berperan untuk mengawasi proses pengambilan keputusan, process of decision making, implementation, and achievement of
implementasi, serta pencapaian pelaksanaan RAKB. the RAKB implementation.
Pengembangan Kompetensi terkait Competency Development Related to
Keuangan Berkelanjutan [POJK E.2] Sustainable Finance [POJK E.2]
Karyawan Bank yang bertanggung jawab dalam penerapan The Bank employees responsible for implementing sustainable
keuangan berkelanjutan diikutsertakan dalam berbagai finance are enrolled in various competency development
program pengembangan kompetensi terkait penerapan prinsip programs related to the implementation of such principles.
tersebut. Program pengembangan kompetensi terkait keuangan The competency development programs related to sustainable
berkelanjutan yang diikuti karyawan Bank di sepanjang tahun finance that Bank employees participated throughout 2023 are
2023, diungkapkan sebagai berikut: disclosed as follows:
Jenjang Jabatan Materi Pelatihan dan Penyelenggara
Level of Position Training Materials and Organizers
Dewan Komisaris Training Keuangan Berkelanjutan: Integrasi Govenance, Sustainable Finance Training: Integration of Governance,
Board of Commissioners Risk Management, and Compliance dalam Penerapan Risk Management, and Compliance in the Implementation
Environmental, Social, and Governance (oleh Bank of Environmental, Social, and Governance (by Bank
Victoria, Lembaga Pengembangan Perbankan Indonesia, Victoria, Indonesian Banking Development Institute, and
dan Otoritas Jasa Keuangan Institute). Financial Services Authority Institute).
Direksi 1. Training Keuangan Berkelanjutan: Integrasi 1. Sustainable Finance Training: Integration of
Board of Directors Govenance, Risk Management, and Compliance dalam Governance, Risk Management, and Compliance in
Penerapan Environmental, Social, and Governance the Implementation of Environmental, Social, and
(oleh Bank Victoria, Lembaga Pengembangan Governance (by Bank Victoria, Indonesian Banking
Perbankan Indonesia, dan Otoritas Jasa Keuangan Development Institute, and Financial Services
Institute); dan Authority Institute).
2. Managing Environmental, Social and Governance 2. Managing Environmental, Social and Governance
Risks and Opportunities (oleh Otoritas Jasa Keuangan Risks, and Opportunities (by Otoritas Jasa Keuangan
Institute). Institute).
Senior Executive Vice President Training Keuangan Berkelanjutan: Integrasi Govenance, Sustainable Finance Training: Integration of Governance,
Risk Management, and Compliance dalam Penerapan Risk Management, and Compliance in the Implementation
Environmental, Social, and Governance (oleh Bank of Environmental, Social, and Governance (by Bank
Victoria, Lembaga Pengembangan Perbankan Indonesia, Victoria, Indonesian Banking Development Institute, and
dan Otoritas Jasa Keuangan Institute). Financial Services Authority Institute).
Kepala Divisi/Wakil Kepala Divisi Training Keuangan Berkelanjutan: Integrasi Govenance, Sustainable Finance Training: Integration of Governance,
Head of Division/Deputy Head Risk Management, and Compliance dalam Penerapan Risk Management, and Compliance in the Implementation
of Division Environmental, Social, and Governance (oleh Bank of Environmental, Social, and Governance (by Bank
Victoria, Lembaga Pengembangan Perbankan Indonesia, Victoria, Indonesian Banking Development Institute, and
dan Otoritas Jasa Keuangan Institute). Financial Services Authority Institute).
Officer Workshop Pilot Project Implementasi Taksonomi Hijau Pilot Project Workshop on the Implementation of
Indonesia (THI) Edisi 1.0 pada Pelaporan Bank melalui Indonesian Green Taxonomy (THI) Edition 1.0 on
Aplikasi Apolo Modul Laporan Keuangan (oleh Otoritas Bank Reporting through Apolo Application Financial
Jasa Keuangan). Statements Module (by the Financial Services Authority).
Pencapaian dan Biaya Pengembangan Achievements and Costs of Competency
Kompetensi terkait Keuangan Berkelanjutan Development related to Sustainable Finance
Berikut informasi pencapaian dan biaya pengembangan Below is information on the achievements and costs of
kompetensi terkait keuangan berkelanjutan yang telah competency development related to sustainable finance that
dikeluarkan Bank selama 3 (tiga) tahun terakhir: have been issued by the Bank in the past 3 (three) years:
406 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Uraian 2023 2022 2021 Description
Total Peserta (Orang) 43 86 69 Total Participants (People)
Biaya (Rp) 34,742,047 18,071,058 - Cost (Rp)
Penilaian Risiko atas Penerapan Keuangan Risk Assessment of Sustainable Finance
Berkelanjutan [POJK E.3] Implementation [POJK E.3]
Bank senantiasa mengevaluasi strategi manajemen risiko yang The Bank constantly evaluates the risk management strategy
diterapkan terhadap visi, misi, serta strategi keberlanjutan implemented against its vision, mission, and sustainability
yang dimiliki. Selain itu, Bank juga memperhatikan pencapaian strategy. In addition, the Bank also pays attention to the
target RAKB di tahun sebelumnya untuk dijadikan salah satu achievement of RAKB targets in the previous year to be used
pertimbangan dalam perumusan strategi manajemen risiko as one of the considerations in formulating a sustainable risk
keberlanjutan. Bank juga mempertimbangkan pencapaian target management strategy. The Bank also considers the achievement
RAKB di tahun sebelumnya dalam perumusan strategi manajemen of RAKB targets in the previous year in formulating its own
risiko keberlanjutan yang dimiliki. Upaya evaluasi dilakukan guna sustainable risk management strategy. Evaluation efforts are
mewujudkan penerapan prinsip keuangan berkelanjutan yang carried out to realize the effective application of sustainable
efektif. Tidak hanya itu, manajemen risiko yang baik juga diperlukan finance principles. Not only that, good risk management is also
guna menunjang transformasi digital yang memperhatikan prinsip needed to support digital transformation with due observance to
kehati-hatian dan prinsip keuangan berkelanjutan. the principles of prudence and principles of sustainable finance.
Bank telah memiliki langkah-langkah mitigasi apabila terdapat The Bank already has mitigation measures in place if there are
pencapaian program yang tidak sesuai dengan target maupun lini program achievements that do not align with the targets or
waktu yang ditetapkan dalam RAKB, yakni: timeline determined in the RAKB, namely:
1. Melakukan evaluasi program keuangan berkelanjutan yang 1. To evaluate sustainable finance programs that have been
telah dilaksanakan; carried out;
2. Melakukan konsultasi dengan pihak eksternal terkait 2. To consult external parties related to the constraints faced
kendala-kendala yang dihadapi dan/atau dapat terjadi atas and/or that might happen due to the RAKB programs; and
program RAKB; serta
3. Mengkaji ulang indikator kinerja yang digunakan untuk tahun- 3. To re-assess the performance indicators used in the following
tahun berikutnya, berdasarkan realisasi program keuangan years, based on the realization of sustainable finance programs
berkelanjutan yang telah dilaksanakan. carried out.
Keberlanjutan Kinerja Ekonomi
Economic Performance Sustainability
Kinerja Operasional dan Keuangan Operational and Financial Performance
[POJK F.2] [POJK F.3] [POJK F.2] [POJK F.3]
Keberlangsungan usaha Bank dapat diukur melalui pencapaian The Bank’s business sustainability can be measured
kinerja ekonomi yang melibatkan aspek operasional dan through the achievement of economic performance which
keuangan. Oleh karenanya, Bank terus berusaha menjaga involves operational and financial aspects. Therefore, the
dan meningkatkan kinerja operasional serta keuangan untuk Bank strives to maintain and improve the operational
mencapai target yang telah ditetapkan. Berikut informasi and financial performance to achieve the predetermined
pencapaian Bank Victoria dalam 3 (tiga) tahun terakhir: targets. Information about Bank Victoria’s achievements in
the past 3 (three) years is as follows:
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Tanggung Jawab Sosial dan Lingkungan Hidup
Corporate Social and Environmental Responsibility
(dalam juta Rupiah / in million Rupiah)
2023
Uraian Realisasi 2022* 2021 Description
Target
Realization
KINERJA KEUANGAN / FINANCIAL PERFORMANCE
Total Aset 27,869 29,624 25,932 23,660 Total Assets
Total Liabilitas 23,956 25,799 22,232 20,649 Total Liabilities
Total Ekuitas 3,913 3,825 3,700 3,011 Total Equity
Pendapatan Bunga – Bersih 601 579 699 418 Interest Income – Net
Pendapatan (Beban) Operasional Operating Income (Expenses) other
238 (405) 266 (513)
selain Bunga – Bersih than Interest – Net
Laba (Rugi) Operasional 285 174 414 (95) Income (Loss) from Operations
Laba (Rugi) Tahun Berjalan 166 102 226 (119) Profit (Loss) for the Year
KINERJA OPERASIONAL / OPERATIONAL PERFORMANCE
Total Produk Simpanan 21,050 22,429 19,372 18,085 Total Deposits Products
Total Produk Pinjaman 17,813 18,629 15,825 14,683 Total Loan Products
Total Pembiayaan terhadap Kegiatan Total Financing for Sustainable
+ 50 504 444 472
Usaha Berkelanjutan (dalam miliar) Business Activities (in billion)
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022. / * Consolidation until the date of divestment of Subsidiary on 22 December 2022.
Nilai Ekonomi Langsung yang Dihasilkan dan Direct Economic Value Generated and
Didistribusikan Distributed
Bank berkomitmen memberikan manfaat kepada pemangku The Bank is committed to providing benefits to stakeholders
kepentingan melalui distribusi nilai ekonomi di setiap tahunnya. through the distribution of economic value annually. The
Berikut pencapaian dan distribusi nilai ekonomi langsung Bank following are the achievements and distribution of the Bank’s
dalam 3 (tiga) tahun terakhir: direct economic value in the past 3 (three) years:
(dalam juta Rupiah / in million Rupiah)
Uraian 2023 2022* 2021* Description
NILAI EKONOMI LANGSUNG YANG DIHASILKAN / DIRECT ECONOMIC VALUES GENERATED
Penerimaan dari Pendapatan Bunga dan Receipt from Interest and Sharia Income and
1,866,455 1,585,072 1,402,170
Syariah dan Komisi Commissions
Penerimaan dari Operasional Lainnya 253,716 363,011 487,523 Receipt from Other Operating Income
Penerimaan dari Penjualan Agunan yang
385,438 14,101 182,231 Receipt from Sale of Foreclosed Assets
Diambil Alih
Pendapatan Non-Operasional Lainnya 3,871 - 8,726 Other Non-Operating Income
Kenaikan dalam Aset Operasi - - - Increase in Operating Assets
Kenaikan dalam Kewajiban Operasi 3,256,073 1,870,146 - Increase in Operating Liabilities
Hasil Penjualan Aset Tetap 45,396 17,287 21,815 Proceeds from Sale of Fixed Assets
Total 5,464,055 3,849,618 1,995,086 Total
NILAI EKONOMI YANG DIDISTRIBUSIKAN / DISTRIBUTED ECONOMIC VALUE
Pembayaran Bunga dan Syariah 1,241,690 936,210 1,114,885 Payment of Interest and Sharia Expense
Payment of General and Administrative
Pembayaran Beban Umum dan Administrasi 135,298 118,617 110,607
Expenses
Pembayaran Beban Tenaga Kerja 161,897 132,900 158,002 Payment of Personnel Expenses
Pembayaran Beban Operasional Lainnya 128,943 62,434 141,685 Payments of Other Operating Expenses
408 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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(dalam juta Rupiah / in million Rupiah)
Uraian 2023 2022* 2021* Description
Pembayaran Non-Operasional Lainnya - 28,898 - Payment of Other Non-Operating Income
Pembayaran Pajak Penghasilan 16,049 - - Payment of Income Tax
Penurunan dalam Aset Operasi 2,802,368 1,496,221 1,301,360 Decrease in Operating Assets
Penurunan dalam Kewajiban Operasi - - 1,429,092 Decrease in Operating Liabilities
Pembelian Aset Tetap 16,196 7,527 1,119 Purchase of Fixed Assets
Pembelian Aset Tak Berwujud 7,289 1,880 984 Purchase of Intangible Assets
Pembayaran Sewa 10,757 10,959 10,943 Payment of Lease
Biaya Investasi Sosial 180 238 643 Social Investment Cost
Total 4,520,667 2,795,883 4,339,910 Total
Nilai Ekonomi yang Ditahan 943,388 1,053,735 (2,237,247) Economic Value Retained
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022 / * Consolidation until the date of divestment of Subsidiary on 22 December 2022.
Mendukung Pertumbuhan Perekonomian Supporting Indonesia’s Economic Growth
Indonesia
Bank Victoria berkontribusi pada pembangunan ekonomi Bank Victoria contributes to the national economic development
nasional dengan menyalurkan kredit ke berbagai sektor usaha. by lending to various business sectors. The following is information
Berikut informasi tentang pencapaian penyaluran kredit Bank about the Bank’s lending achievements based on economic
berdasarkan sektor ekonomi selama 3 (tiga) tahun terakhir: sector over the last 3 (three) years:
(dalam juta Rupiah, kecuali dinyatakan lain / in million Rupiah, unless stated otherwise)
2023 2022* 2021
Uraian Komposisi Komposisi Komposisi
Description Jumlah Jumlah Jumlah
Composition Composition Composition
Total Total Total
(%) (%) (%)
Lembaga Pembiayaan
5,563,012 29.86 3,810,285 24.08 3,013,384 20.52
Financing Institution
Perdagangan, Restoran, dan Hotel
3,574,240 19.19 3,471,734 21.94 3,435,922 23.40
Trading, Restaurant, and Hotel
Industri
2,186,357 11.74 1,546,407 9.77 1,565,012 10.66
Industry
Real Estat
2,533,799 13.60 2,434,559 15.38 2,572,483 17.52
Real Estate
Konstruksi
852,268 4.58 782,272 4.94 1,104,130 7.52
Construction
Jasa-Jasa Sosial/Masyarakat
349,351 1.88 423,151 2.67 506,249 3.45
Social/Community Services
Lain-Lain
3,569,716 19.16 3,356,203 21.21 2,485,925 16.93
Others
Total 18,628,743 100.00 15,824,611 100.00 14,683,105 100.00
* Konsolidasian sampai dengan divestasi Entitas Anak pada tanggal 22 Desember 2022 / * Consolidation until the date of divestment of Subsidiary on 22 December 2022.
Bank Victoria tidak hanya berfokus terhadap pembangunan Bank Victoria not only focuses on national economic development
ekonomi nasional melalui penyaluran kredit ke berbagai sektor through lending to various business sectors, but also makes
usaha, tetapi juga mewujudkannya melalui penyaluran kredit this happen through lending to the Micro, Small, and Medium
kepada sektor Usaha Mikro, Kecil, dan Menengah (UMKM) yang Enterprises (MSME) sector which has a significant contribution to
memiliki kontribusi signifikan terhadap perekonomian nasional. the national economy. The following is information regarding the
Berikut informasi mengenai penyaluran kredit Bank kepada UMKM: Bank’s lending to MSME:
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Tanggung Jawab Sosial dan Lingkungan Hidup
Corporate Social and Environmental Responsibility
(dalam juta Rupiah, kecuali dinyatakan lain / / in million Rupiah, unless stated otherwise)
2023 2022 2021
Uraian Komposisi Komposisi Komposisi
Description Jumlah Jumlah Jumlah
Composition Composition Composition
Total Total Total
(%) (%) (%)
Usaha Mikro
- - - - - -
Micro Business
Usaha Kecil
16,499 0.54 20,696 0.85 28,950 1.44
Small Business
Usaha Menengah
3,037,478 99.46 2,424,657 99.15 1,985,229 98.56
Medium Business
Total 3,053,977 100.00 2,445,354 100.00 2,014,179 100.00
Pembiayaan terhadap Kegiatan Usaha Financing for Sustainable Business Activities
Berkelanjutan [POJK F.3] [POJK F.3]
Bank Victoria berperan dalam menerapkan prinsip keuangan Bank Victoria plays a role in implementing sustainable finance
berkelanjutan dengan memberikan pembiayaan kepada principles by providing financing for sustainable business
kegiatan usaha berkelanjutan, Bank mendukung 4 (empat) dari activities. The Bank supports 4 (four) of the 12 (twelve) categories
12 (dua belas) kategori kegiatan usaha berkelanjutan. Komitmen of sustainable business activities. This commitment is reflected
tersebut tercermin dalam peningkatan jumlah pembiayaan yang in the increase in financing amount distributed to debtors, which
disalurkan kepada debitur yang ditunjukkan sebagai berikut: is shown as follows:
(dalam juta Rupiah / in million Rupiah)
Penyaluran Kredit
Uraian Loans Business Activities
Description
2023 2021 2021
Pencegahan dan Pengendalian Polusi 219,043 108,375 88,765 Pollution Prevention and Control
Pengelolaan Sumber Daya Alam Hayati dan Management of Biodiversity Resources and
173,182 393,548 374,526
Penggunaan Lahan yang Berkelanjutan Sustainable Land Use
Kegiatan Usaha dan/atau Kegiatan Lain yang Eco-Friendly Business Activities
88,158 115,136 139,395
Berwawasan Lingkungan Lainnya and/or Other Activities
Kegiatan UMKM 3,053,977 2,445,354 2,014,179 MSME Activities
Total 3,534,360 3,062,413 2,616,865 Total
Literasi dan Inklusi Keuangan Financial Literacy and Inclusion
Bank Victoria menyadari rendahnya pemahaman masyarakat Bank Victoria is aware of the low public understanding of
terhadap layanan keuangan. Oleh karena itu, Bank mendukung financial services. As such, the Bank supports the government’s
upaya pemerintah dalam meningkatkan literasi dan inklusi initiative in improving financial literacy and inclusion to help the
keuangan yang bertujuan agar masyarakat lebih memahami community better understand banking products and services and
produk dan jasa perbankan beserta manfaatnya. their benefits.
Tahapan implementasi program literasi dan inklusi keuangan The implementation stages for the financial literacy and inclusion
diuraikan sebagai berikut: program are described as follows:
1. Perencanaan dan Persiapan 1. Planning and Preparation
Penyampaian materi dan pengajaran dilakukan oleh tenaga Materials and education are taught by experts who have
ahli yang telah memperoleh pelatihan dan penyuluhan, obtained trainings and developments, and understood the
serta menguasai program. Guna mempermudah pemahaman program. To facilitate the participants’ understanding, the
peserta edukasi, Bank menyiapkan materi yang akan Bank prepares materials to be delivered, supported with
disampaikan dengan dilengkapi video yang memuat referensi videos containing references of clear audio visual. This
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audio-visual yang jernih. Materi ini dilengkapi dengan material is complemented by several children songs related
beberapa lagu anak terkait “Ayo Menabung” untuk lebih to “Ayo Menabung” (Let’s Save Money) in order to encourage
menarik minat para siswa dalam mengikuti program, serta students to participate in the program, and prepared with
menyiapkan link Zoom yang akan digunakan apabila edukasi links for Zoom meeting to be used in the educational and
dan literasi tersebut dilakukan secara virtual. literacy program, virtually.
2. Pencapaian Tujuan yang Telah Ditetapkan 2. Achievement of the Predetermined Goals
Lokasi pelaksanaan program disesuaikan dengan wilayah The location to hold the program is adjusted to the area of
kantor cabang utama dan kantor cabang pembantu dengan main branch offices and sub-branch offices by considering
pertimbangan kedekatan jarak guna mempermudah koordinasi the proximity to facilitate coordination between parties. This
antar pihak. Program ini diharapkan dapat menjadi media program is expected to be an educational medium, especially
edukasi, khususnya bagi kalangan ibu-ibu, untuk dapat for housewives, to be able to better plan their household
melakukan perencanaan keuangan rumah tangga menjadi lebih finance in the future, meanwhile, for elementary, junior
baik lagi, sedangkan, bagi para murid tingkat SD, SMP, dan SMA, high, and high school students, this program is expected
program ini diharapkan mampu meningkatkan pemahaman to increase their understanding regarding the benefits and
seputar manfaat dan kegunaan menabung sejak dini. advantages of saving money early.
3. Pelaksanaan Strategi dan Kebijakan 3. Implementation of Strategies and Policies
Pelaksanaan program literasi keuangan dilakukan secara The financial literacy program is implemented periodically in
berkala sesuai dengan tahapan implementasi berikut: accordance with the following implementation phases:
a. Pre-test dilakukan untuk mengetahui pemahaman a. Pre-test is conducted to know participants’ initial
awal peserta sebelum mengikuti program. Pengukuran understanding of the program. It is measured by giving
dilakukan dengan memberikan 17 pertanyaan yang 17 pre-test questions related to the knowledge and
berhubungan dengan pengetahuan dan pengertian understanding related of the materials delivered to the
terkait materi yang diberikan kepada peserta program; program participants;
b. Setelah didapatkan hasil pre-test, pemateri yang berasal b. Upon obtaining the pre-test’s results, the speaker who is
dari Bank Victoria akan memberikan edukasi interaktif dan from Bank Victoria’s internal will provide interactive and
komunikatif yang memungkinkan peserta untuk bertanya communicative education to encourage the participants
dan memberikan pendapat secara langsung; dan to directly raise questions and express opinions; and
c. Untuk mengetahui pemahaman peserta setelah c. To understand participant knowledge after participating
mengikuti program, dilaksanakan post-test yang berisi in the program, a post-test is given. This is intended to
pertanyaan serupa pada saat pre-test. Tes ini akan measure the participants’ improved understanding after
mengukur perkembangan pemahaman peserta setelah the program, and to measure the success of the program
mengikuti program dan mengukur tingkat keberhasilan implementation.
pelaksanaan program.
Pre-test dan post-test juga dapat dilakukan secara virtual Pre-test and post-test can also be conducted virtually
dengan menggunakan aplikasi terpisah dari link Zoom yang using separate application from Zoom links used during the
digunakan pada saat pemberian materi. material delivery.
4. Evaluasi Kendala yang Dihadapi dan Upaya-Upaya Pemecahan 4. Evaluation of Obstacles Encountered and Problem-Solving
Masalah Measures
Kendala yang dihadapi Bank dalam meyakinkan para peserta Obstacles encountered by the Bank in convincing participants
untuk mengikuti program, di antaranya: to participate in the program among others:
a. Keterbatasan waktu yang berimbas pada pemahaman a. Limited time which impacts on the understanding
mengenai pentingnya perencanaan keuangan rumah tangga; regarding the importance of household financial planning;
b. Sekolah swasta yang menjadi salah satu sasaran, b. Private schools, which are one of the targets have their
mempunyai kebijakan tersendiri sehingga tidak dapat own discretions, and therefore, the program cannot be
melakukan program di sekolah tersebut; held in these schools;
c. Adanya keterbatasan kuota internet untuk para pelajar; c. Limited internet quota for students; and
serta
d. Tidak semua kalangan ibu rumah tangga mempunyai d. Not all housewives have the equipment and knowledge
dan memahami pemakaian aplikasi Zoom manakala on how to use Zoom application when the program is
dilakukan secara virtual. held virtually.
Bank berhasil mengatasi kendala-kendala tersebut melalui The Bank managed to deal with these obstacles through
pendekatan terhadap koordinator kelompok peserta edukasi an approach to the coordinators of group of participants
serta pihak terkait lainnya hingga terselenggaranya program and relevant parties so that the program was implemented
dengan baik, sesuai dengan target yang diinginkan. properly, according to the required target.
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Tanggung Jawab Sosial dan Lingkungan Hidup
Corporate Social and Environmental Responsibility
Pelaksanaan Program Literasi dan Inklusi Implementation of Financial Literacy and
Keuangan Inclusion Program
Selama tahun 2023, Bank melaksanakan sejumlah program Throughout 2023, the Bank conducted a number of financial
literasi dan inklusi keuangan sebagai berikut: literacy and inclusion programs as follows:
1. Edukasi Ayo ke Bank di Sekolah MI Nurul Akhyar Bekasi 1. Education of Let’s Go to Bank at MI Nurul Akhyar Bekasi
dengan peserta pelajar kelas 2 (dua) SD sebanyak 40 (empat School with 40 (forty) elementary school grade 2 (two)
puluh) orang; students participating;
2. Edukasi Ayo ke Bank di SDN 03 PCU Tangerang Selatan 2. Education of Let’s Go to Bank at 03 PCU South Tangerang
dengan peserta pelajar kelas 6 (enam) SD sebanyak School with 40 (forty) elementary school grade 6 (six)
40 (empat puluh) orang; students participating;
3. Edukasi Ayo ke Bank di Sekolah Surya Dharma Kebayoran 3. Education of Let’s Go to Bank at Surya Dharma School
Lama, Jakarta dengan peserta pelajar kelas 1 (satu) sampai Kebayoran Lama, Jakarta, with 63 (sixty three) elementary
6 (enam) SD sebanyak 63 (enam puluh tiga) orang; school students from grade 1 (first) to grade 6 (six);
4. Edukasi Ayo ke Bank di SDIT ABA Abdurrahman Bin Auf Bekasi 4. Education of Let’s Go to Bank at ABA Abdurrahman Bin Auf
dengan peserta pelajar kelas 4 (empat) SD sebanyak 59 (lima Bekasi School with 59 (fifty nine) elementary school grade 4
puluh sembilan) orang; dan (four) students participating; and
5. Edukasi Ayo ke Bank di Sekolah Mutiara Persada Primary 5. Education of Let’s Go to Bank at Mutiara Persada Primary
School Solo, Jawa Tengah dengan peserta pelajar SD School Solo, Central Java, with 20 (twenty) elementary
sebanyak 20 (dua puluh orang) orang. school students participating.
Keberlanjutan Kinerja Sosial
Social Performance Sustainability
Komitmen Pelayanan Terbaik bagi Nasabah Commitment to the Best Service for
[POJK F.17] Customers [POJK F.17]
Keberlangsungan usaha Bank Victoria sangat dipengaruhi oleh Bank Victoria’s business sustainability is greatly influenced by
kepercayaan dan kepuasan nasabah. Bank mempertahankan hal customer trust and satisfaction. The Bank maintains such trust
tersebut melalui pelayanan terbaik, layanan setara, aman, mudah and satisfaction through the best services, equal, safe, easy
dijangkau, dan dapat dipercaya, sesuai dengan Surat Keputusan to reach, and trustworthy service, in accordance with Board of
Direksi No. 041/SK-DIR/07/14 tentang Kebijakan dan Prosedur Directors’ Decision Letter No. 041/SK-DIR/07/14 on Policies and
Kualitas Pelayanan Nasabah (Customer Experience). Kebijakan Procedures for Customer Services Quality (Customer Experience).
ini sekaligus menjadi panduan dalam Standar Pelayanan Nasabah These policies also serve as the guidelines to Customer Service
Bank Victoria. Standards implemented by Bank Victoria.
Manfaat dari Produk dan Layanan yang Diberikan Benefits of Products and Services Provided
[POJK F.28] [POJK F.28]
Bank hadir untuk membantu nasabah individu dan korporasi The Bank presents to help individual and corporate customers
dalam memenuhi kebutuhan transaksi ekonomi melalui produk meet their economic transaction needs through savings and loan
simpanan dan pinjaman. Bank juga mendukung kebutuhan products. The Bank also supports other financial support needs
keuangan pendukung lainnya melalui produk investasi, layanan through investment products, foreign exchange banking services,
bank devisa, dan jasa layanan lainnya. and other services.
Di sisi lain, identifikasi dampak negatif produk dan layanan Bank On the other side, the identification of negative impacts of Bank
adalah adanya risiko sosial dan lingkungan hidup pada penyaluran products and services is the existence of social and environmental
kredit. Risiko sosial, Bank mengidentifikasi adanya potensi tenaga risks in lending. Social risk, the Bank identifies the potential for
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kerja di bawah umur, pemberian upah di bawah upah minimum, underage workers, wage provision below the minimum wage, or
atau risiko pelanggaran hak asasi manusia pada jenis usaha the risk of human rights violations in labor-intensive industrial
industri padat karya. Mengatasi risiko ini, Bank memberlakukan business. Addressing this risk, the Bank enforces strict terms of
persyaratan kredit dengan ketat dan meningkatkan pengawasan loans and increases field survey supervision. Environmental risk,
survei lapangan. Risiko lingkungan hidup, Bank mengidentifikasi the Bank identifies the potential for deforestation, forest and
adanya potensi deforestasi, kebakaran hutan dan lahan, dan land fires, and the risk of weather changes. All of such risks pose
risiko perubahan cuaca. Semua risiko ini merupakan ancaman a threat to environmental degradation in financing in the land-
pada degradasi lingkungan pada pembiayaan di sektor berbasis based sector. Therefore, the Bank requires an AMDAL document
lahan. Oleh karenanya, Bank mensyaratkan dokumen AMDAL bagi for (potential) debtor who manages land of 25 hectares or more
(calon) debitur yang mengelola lahan dengan luas 25 hektare as a requirement in applying loan.
atau lebih sebagai syarat pengajuan kredit.
Inovasi dan Pengembangan Produk dan Jasa Product and Service Innovation and Development
[POJK F.26] [POJK F.26]
Selama tahun 2023, Bank telah melakukan inovasi dan Throughout 2023, the Bank carried out innovation and
pengembangan produk dan jasa yang diuraikan sebagai berikut: development of products and services, described as follows:
1. Pengembangan program tabungan berhadiah langsung, 1. Development of a savings program with direct prize, namely
yaitu program tabungan Victoria Reward; Victoria Reward savings program;
2. Pengembangan program tabungan berhadiah voucher, yaitu 2. Development of a savings program with voucher prize,
program tabungan Imlek 8; dan namely Chinese New Year 8 savings program; and
3. Pengembangan program tabungan berhadiah logam mulia, 3. Development of savings program with precious metal prize,
yaitu tabungan V-Gold. namely V-Gold savings.
Program Peningkatan Kualitas Layanan Services Quality Improvement Program
Bank Victoria senantiasa melaksanakan berbagai program untuk Bank Victoria always implements various programs to provide
memberikan kepuasan kepada setiap nasabah, antara lain: satisfaction to every customer, including:
1. Menyusun standar service excellence bagi seluruh kantor 1. Developing service excellence standards that meet customer
cabang sesuai dengan tuntutan dan harapan nasabah; demands and expectations for all the Bank’s branch offices;
2. Melaksanakan dan memantau kegiatan service excellence 2. Consistently running and monitoring service excellence
secara konsisten di kantor cabang; activities at branch offices;
3. Menetapkan standar zero defect dalam operasional transaksi 3. Establishing zero-defect standard in banking transaction
perbankan; operations;
4. Melakukan pelatihan dan pengembangan service excellence 4. Conducting employee training and development of service
bagi pegawai frontliner di seluruh kantor cabang Bank; excellence for all frontline staffs of the Bank’s branch offices;
5. Menggunakan kartu ATM berbasis chip card untuk mendukung 5. Utilizing chip-based ATM cards to enhance customer security;
peningkatan keamanan nasabah; serta and
6. Mengembangkan sistem kliring nasional (SKN) dan real time 6. Developing the national clearing system (SKN) and real
gross settlement (RTGS) Generasi II untuk fitur bulk payment time gross settlement (RTGS) Generation II to support bulk
(kliring one to many transfer), menyediakan internet banking payment feature (one-to-many transfer clearing), providing
dan mobile banking untuk kenyamanan bertransaksi bagi internet banking and mobile banking for customers’
nasabah, serta memperbaiki tampilan situs web Bank menjadi transaction convenience, and improving the Bank’s website
lebih interaktif agar lebih mudah dipahami oleh pengguna. display to be more interactive and user friendly.
Keamanan Simpanan dan Kerahasiaan Customer Deposit Security and Data Confidentiality
Data Nasabah
Bank Victoria memberikan rasa aman kepada nasabah dengan Bank Victoria provides a sense of security to customers by
menjamin perlindungan atas uang yang disimpan melalui guaranteeing protection for the money deposited through the
Lembaga Penjamin Simpanan sesuai Undang-Undang No. 24 Deposit Insurance Agency pursuant to Law No. 24 of 2004 on
Tahun 2004 tentang Lembaga Penjamin Simpanan. Bank juga Indonesia Deposit Insurance Agency. The Bank is also committed
berkomitmen menjaga kerahasiaan data nasabah sebagai bentuk to maintaining the confidentiality of customer data as a form of
responsibilitas dalam dunia perbankan. responsibility in the banking world.
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Tanggung Jawab Sosial dan Lingkungan Hidup
Corporate Social and Environmental Responsibility
Keamanan Bertransaksi
Transaction Security
Simpan Kartu ATM / Keep the ATM Card
Kartu ATM adalah akses termudah menuju dana yang ada di rekening anda, untuk itu pastikan kartu ATM anda tersimpan dengan baik dan
tidak dipinjamkan kepada orang lain.
ATM card is the easiest access to your account, so make sure your ATM card is kept properly and do not lend it to other people.
PIN dan Password Milik Pribadi / PIN and Password are Personal
Pelaksanaan penilaian peer evaluation dilakukan oleh setiap anggota Dewan Komisaris terhadap anggota Dewan Komisaris lainnya.
The peer evaluation assessment is conducted by each member of the Board of Commissioners against other members of the Board of
Commissioners.
Tidak Menandatangani Dokumen Kosong / Not Signing Blank Documents
Dalam kondisi apapun, jangan pernah menandatangani formulir/slip kosong. Pastikan seluruh informasi di formulir/slip kosong sudah benar
dan sesuai dengan kebutuhan anda.
Under no circumstances should you sign a blank form/slip. Make sure that all information on the blank form/slip is correct and fit to your
needs.
Gunakan Internet Banking dan Mobile Banking / Use Internet Banking and Mobile Banking
Aktifkan fasilitas Internet Banking dan Mobile Banking (IBMB) anda, selain memudahkan transaksi perbankan, dengan IBMB anda dapat selalu
memonitor rekening secara tepat waktu.
Activate your Internet Banking and Mobile Banking (IBMB) facilities. In addition to facilitating banking transactions, IBMB can always help
monitor your accounts in a timely manner.
Rutin Cek Saldo / Regularly Check Your Balance
Lakukan pengecekan saldo anda secara berkala. Jika anda menemukan transaksi mencurigakan segera hubungi Call Center untuk meminta
penjelasan. Cek saldo dapat dilakukan melalui layanan Call Center, IBMB, ATM, dan print buku tabungan di kantor cabang terdekat.
Check your balance regularly. If you find a suspicious transaction, immediately contact the Call Center to ask for explanation. Balance
checking can be done through Call Center, IBMB, ATM services, and print the bank passbook at the nearest branch office.
Komitmen untuk memberikan keamanan bagi nasabah dilakukan Commitment to providing customers security is reflected by
dengan mengacu kepada peraturan terkait, antara lain: referring to the applicable regulations, among others:
1. Undang-Undang No. 7 Tahun 1992 tentang Perbankan, dan 1. Law No. 7 of 1992 on Banking, and its amendments in Law
perubahannya dalam Undang-Undang No. 10 Tahun 1998; No. 10 of 1998;
2. Undang-Undang No. 4 Tahun 2023 tentang Pengembangan 2. Law No. 4 of 2023 on Financial Sector Development and
dan Penguatan Sektor Keuangan; Strengthening;
3. Peraturan Bank Indonesia No. 2/19/PBI/2000 tentang 3. Bank Indonesia Regulation No. 2/19/PBI/2000 on
Persyaratan dan Tata Cara Pemberian Perintah atau Izin Requirements and Procedures for Giving Order or Written
Tertulis Membuka Rahasia Bank; serta Permission to Disclose Banking Information; and
4. Peraturan Otoritas Jasa Keuangan No. 1/POJK.07/2013 4. Financial Services Authority Regulation No. 1/POJK.07/2013
tentang Perlindungan Konsumen Sektor Jasa, dan peraturan on Consumer Protection of Services Sector, and its derivative
turunannya. regulations.
Berdasarkan peraturan tersebut, Bank wajib untuk merahasiakan Based on such regulations, the Bank is required to keep
keterangan mengenai nasabah, baik penyimpan maupun confidential all information regarding the customers, both who
simpanannya, kecuali dalam beberapa hal yang dipersyaratkan deposit their money and their deposited money, with exception
dalam undang-undang. to the matters as required by law.
Program Keterikatan Nasabah Customer Engagement Program
Bank Victoria secara rutin menyelenggarakan program Bank Victoria regularly organizes engagement program to
keterikatan untuk memperkuat hubungan dengan nasabah. strengthen relationship with customers. The programs carried
Program yang telah dilaksanakan yaitu: out are:
1. Program tabungan nasabah berhadiah langsung; 1. Customer savings program with direct prizes;
2. Program pemberian hadiah kue pada ulang tahun nasabah 2. Birthday cake-giving program for customers on their
(loyalty program); dan birthdays (loyalty program); and
3. Program customer gathering bersama dengan Direksi. 3. Customer gathering program with the Board of Directors.
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Evaluasi Produk dan Jasa Evaluation of Products and Services
[POJK F.27] [POJK F.29] [POJK F.27] [POJK F.29]
Sebelum produk dan layanan Bank disampaikan kepada nasabah, Before the Bank’s products and services are delivered to
produk dan layanan Bank telah mendapat izin dari Bank customers, such products and services have received permission
Indonesia. Selanjutnya, Bank terus melakukan tinjauan ulang from Bank Indonesia. Furthermore, the Bank constantly conducts
dan evaluasi sebagai salah satu bentuk mitigasi risiko terhadap review and evaluation as a form of risk mitigation regarding the
penerbitan produk dan layanan baru. Prosedur tinjauan ulang issuance of new products and services. Review and evaluation
dan evaluasi dijalankan untuk memastikan proses peluncuran procedures are carried out to ensure that the product and
produk dan layanan telah diterapkan sesuai dengan pengajuan service launching process is implemented in accordance with the
usulan yang disetujui oleh manajemen dan memastikan seluruh proposed proposals approved by the management and to ensure
produk dan layanan baru aman bagi nasabah. that all new products and services are safe for customers.
Pada tahun 2023, seluruh (100%) produk dan layanan Bank telah In 2023, all (100%) of the Bank’s products and services were
dievaluasi. Selain itu, dari hasil tinjauan ulang dan evaluasi yang evaluated. In addition, from the results of reviews and evaluations
dilakukan secara berkala tersebut, hingga akhir tahun 2023, carried out periodically, until the end of 2023, the Bank ensured
Bank memastikan tidak ada produk dan/atau jasa keuangan Bank that no Bank financial products and/or services were declared
yang dinyatakan bermasalah dan harus ditarik kembali oleh Bank problematic and must be withdrawn by Bank Indonesia.
Indonesia.
Survei Kepuasan Nasabah [POJK F.30] Customer Satisfaction Survey [POJK F.30]
Bank Victoria terus meningkatkan kualitas produk dan layanan Bank Victoria continues to improve product and service quality to
untuk memastikan kepuasan nasabah. Pengukuran kualitas ensure customer satisfaction. Quality measurement is carried out
dilakukan melalui survei kepuasan nasabah yang dilaksanakan through customer satisfaction survey conducted every semester/
setiap semester/awal periode triwulan 1 (satu) dan triwulan 3 beginning of the 1st (first) and 3rd (third) quarter periods at each
(tiga) di masing-masing kantor cabang. Kemudian, hasilnya akan branch office. Then, the results will be collected at the head
dikumpulkan di kantor pusat untuk proses evaluasi akhir. Hasil office for the final evaluation process. The survey results serve
survei ini menjadi dasar evaluasi dan peningkatan kualitas produk as the basis for evaluating and improving the quality of products
dan layanan. Berikut hasil survei kepuasan nasabah Bank selama and services. The results of the Bank’s customer satisfaction
3 (tiga) tahun terakhir: survey in the past 3 (three) years are as follows:
Indikator 2023 2022 2021 Indicator
Teller (Grooming, Behavior, Skill, and Product Knowledge) 90 85 80 Teller (Grooming, Behavior, Skill, and Product Knowledge)
Customer Service (Behavior, Skill, Product Knowledge, 90 Customer Service (Behavior, Skill, Product Knowledge,
85 80
and Cross Selling) and Cross Selling)
Security (Grooming, Behavior, Skill, and Product 90 Security (Grooming, Behavior, Skill, and Product
85 80
Knowledge) Knowledge)
Eksterior dan Interior Kantor Cabang 75 75 75 Exterior and Interior of Branch Offices
Rata-Rata Hasil 86.25 82.50 78.75 Average Results
Baik Baik Baik
Kategori Category
good good good
Sarana Pengaduan Nasabah Customer Complaint Channel
Bank Victoria menyediakan sarana pengaduan bagi nasabah Bank Victoria provides a complaint channel for customers
melalui sistem online yang dikelola oleh Direktorat Operasional. through an online system managed by the Operational
Nasabah dapat melaporkan keluhan terkait produk dan layanan Directorate. Customers can report complaints regarding products
melalui berbagai saluran, termasuk Call Center 24 jam (1500977), and services through various channels, including the 24-hour
e-mail (customercare@victoriabank.co.id), Customer Service Call Center (1500977), email (customercare@victoriabank.co.id),
di kantor cabang, dan aplikasi di Playstore maupun Appstore Customer Service at branch offices, and application on Playstore
pada smartphone. Sistem ini memungkinkan nasabah untuk and Appstore on smartphones. This system allows customers to
menyampaikan keluhan dan memeriksa status penyelesaiannya submit complaints and to check their complaint status at all
di seluruh kantor cabang Bank Victoria. Bank Victoria’s branch offices.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 415
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Tanggung Jawab Sosial dan Lingkungan Hidup
Corporate Social and Environmental Responsibility
Selain itu, dalam menangani laporan pengaduan, Bank memeriksa Furthermore, in handling complaints reports, the Bank checks
kebenaran setiap laporan dan berkomitmen menyelesaikannya the validity of every report and is committed to strictly settling
dengan tegas dan tepat waktu sesuai dengan Standar Service it in a timely manner according to the Standard Service Level
Level Agreement (SLA). Informasi jumlah pengaduan yang Agreement (SLA). Information on complaints received and
diterima dan ditindaklanjuti oleh Bank Victoria selama 3 (tiga) followed-up by Bank Victoria in the last 3 (three) years is as
tahun terakhir ditunjukkan sebagai berikut: follows:
2023 2022 2021
Jenis Pengaduan Sedang
Type of Complaint Jumlah Keluhan Selesai Jumlah Keluhan Selesai Jumlah Keluhan Selesai
Ditindaklanjuti
Total Complaint Settled Total Complaint Settled Total Complaint Settled
On Follow Up
ATM 113 113 - 108 108 90 90
Internet/Mobile Banking 405 405 - 762 762 570 570
Internet Banking Business 11 11 - 4 4 6 6
Tabungan
1 1 - 1 1 1 1
Savings Account
Deposito
- - - - - 1 1
Time Deposits
EDC 5 5 - 2 2 - -
Kredit
2 2 - 1 1 2 2
Loans
Total 537 537 - 878 878 670 670
Pengelolaan Human Capital yang Berkualitas Quality Human Capital Management
Bank Victoria menekankan pentingnya keberadaan Human Bank Victoria emphasizes the importance of having competent
Capital (HC) yang kompeten dalam memberikan nilai tambah Human Capital (HC) in providing added values for services to
bagi layanan kepada nasabah di tengah persaingan industri customers amid the increasingly tough competition in the
perbankan yang semakin ketat. Bank secara konsisten mengelola banking industry. The Bank consistently manages HC in a
HC dengan bertanggung jawab, adil, dan terarah yang selaras responsible, fair, and directed manner, in line with the Bank’s
dengan strategi Bank dan perkembangan industri perbankan saat strategy and developments in the banking industry to date. The
ini. Komitmen Bank juga terlihat dalam memastikan pemenuhan Bank’s commitment is also reflected in ensuring the fulfillment
hak-hak HC sesuai dengan kebijakan dan peraturan perundang- of HC rights in accordance with the policies and applicable laws
undangan yang berlaku. and regulations.
Kebijakan Pengelolaan Human Capital Human Capital Management Policy
Bank Victoria telah menetapkan pedoman pengelolaan HC yang Bank Victoria has established guidelines for HC management
dituangkan dalam Kebijakan Human Capital Management yang as outlined in the Human Capital Management Policies which
disahkan serta dimutakhirkan berdasarkan Surat Keputusan have been approved and updated based on Board of Directors’
Direksi No. 001A/SK-DIR/12/22 tanggal 1 Desember 2022 Decision Letter No. 001A/SK-DIR/12/22 dated 1 December 2022
tentang Kebijakan Human Capital Management dan Surat on Human Capital Management Policies and Board of Directors’
Keputusan Direksi yang telah disahkan serta dimutakhirkan Decision Letter which has been approved and updated based on
berdasarkan Surat Keputusan Direksi No. 001B/SK-DIR/12/22 the Board of Directors’ Decision Letter No. 001B/SK-DIR/12/22
tanggal 1 Desember 2022 tentang Standar Operasional Prosedur dated 1 December 2022 on Standard Operating Procedures for
Human Capital Management. Human Capital Management.
Selain itu, Bank berusaha menciptakan hubungan industrial Furthermore, the Bank strives to create quality and harmonious
yang berkualitas dan harmonis antara karyawan dengan Bank. industrial relations between employees and the Bank. Its
Implementasinya didasarkan pada Surat Keputusan Direktur implementation is based on the Decree of the Director General
416 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Jenderal Pembinaan Hubungan Industrial dan Jaminan Sosial of Development of Industrial Relations and Social Security for
Tenaga Kerja No. Kep.4/HI.00.00/00.0000.230404006/B/VII/2023 Workers No. Kep.4/HI.00.00/00.0000.230404006/B/VII/2023
tanggal 18 Juli 2023 tentang Pengesahan Peraturan Perusahaan dated 18 July 2023 on Approval of Company Regulations of
PT Bank Victoria International Tbk. Bank secara berkala akan PT Bank Victoria International Tbk. The Bank will periodically
memperbarui Peraturan Perusahaan sesuai perkembangan update the Company Regulations in accordance with
ketentuan ketenagakerjaan. developments in employment provisions.
Keberagaman di Bank Victoria Diversity in Bank Victoria
Setiap insan Bank memiliki latar belakang yang beragam. Oleh Every person in the Bank has a diverse background. Therefore,
karenanya, Bank Victoria berkomitmen untuk memperlakukan Bank Victoria is committed to treating all employees equally
seluruh karyawan dengan setara tanpa diskriminasi berdasarkan without discrimination based on ethnicity, race, religion, or
suku, ras, agama, atau gender yang bertujuan untuk menciptakan gender in order to create an inclusive work environment and
lingkungan kerja yang inklusif, memberikan rasa aman, dan provide a sense of security and comfort for all employees. With
kenyamanan bagi semua karyawan. Dengan pendekatan ini, Bank this approach, the Bank provides equal opportunity for every
memberikan kesempatan yang sama bagi setiap karyawan untuk employee to develop with Bank Victoria.
berkembang bersama Bank Victoria.
Hak Asasi Karyawan Employee’s Human Right
Bank senantiasa menjunjung hak asasi setiap karyawan dengan The Bank always upholds every employee’s human rights by
menetapkan waktu kerja dan memberikan izin yang sepatutnya, setting working hours and providing proper permissions, as
sebagai berikut: follows:
1. Bank menerapkan jam kerja yang proporsional sesuai dengan 1. The Bank implements proportional work hours, follows
standar, serta menetapkan waktu kerja lembur dilengkapi standards, and determines overtime hours and overtime
fasilitas yang disesuaikan dengan kebutuhan operasional; facilities adjusted to the operational requirements;
2. Setiap karyawan Bank Victoria diberikan izin untuk menjalankan 2. Each employee of Bank Victoria is allowed to practice worship
ibadah sesuai dengan kepercayaan yang diyakini; according to the respective belief;
3. Karyawan Bank diizinkan untuk meninggalkan pekerjaan 3. The Bank gives its employees permission to leave work while
dengan tetap menerima gaji penuh karena: still receiving full salary for:
a. Peristiwa khusus, yaitu pernikahan karyawan, karyawan a. Special events, i.e. employee’s marriage, marriage of
menikahkan anak, suami/istri/anak/menantu/orang tua/ employee’s child, death of employee’s husband/wife/
mertua/anggota dalam 1 (satu) rumah meninggal dunia, child/child-in-law/parent/parent-in- law/other family
kelahiran anak, istri karyawan mengalami keguguran member living in employee’s household, child birth,
kandungan, khitanan anak, pembaptisan anak; employee’s wife experiencing miscarriage, circumcision
of child, baptism of child;
b. Sakit, yaitu sakit dengan surat dokter, sakit tanpa surat b. Sick, i.e. illness with doctor’s note, illness without
dokter selama 1 (satu) hari dan sakit dengan rawat inap; doctor’s reference letter for 1 (one) day, and illness
requiring hospitalization;
c. Keperluan pribadi yang penting, mendadak, dan tidak c. Urgent personal matter, sudden necessity that cannot be
dapat diwakilkan; serta represented by others; and
d. Mengalami halangan di luar kemampuan karyawan. d. Experiencing obstacles beyond employee’s control.
4. Karyawan yang telah bekerja di Bank selama 1 (satu) tahun 4. Employees who have worked in the Bank for 1 (one) consecutive
secara terus menerus dapat mengambil cuti tahunan dengan year can take annual leave with full salary payment. The length
tetap menerima gaji penuh. Lamanya cuti tahunan diatur of annual leave is determined based on employee’s position,
berdasarkan jabatan karyawan, berdasarkan ketentuan yang according to regulations applied at the Bank.
berlaku di Bank.
Kepatuhan terhadap Praktik Kerja tanpa Tenaga Compliance with Zero Child Labor and Forced
Kerja Anak dan Tenaga Kerja Paksa [POJK F.19] Labor Employment Practice [POJK F.19]
Bank Victoria selalu patuh terhadap peraturan yang berlaku, Bank Victoria always complies with the applicable regulation,
khususnya dalam pengelolaan HC yang bertanggung jawab. particularly in responsible HC management. This commitment
Komitmen ini diwujudkan dengan anti kerja paksa dan penjaminan is realized through anti-forced labor and guaranteeing of no
tidak adanya tenaga kerja di bawah umur (<18 tahun) di seluruh underage workers (<18 years) in all of Bank’s operational areas.
wilayah operasional Bank. Selain itu, Bank juga memberikan In addition, the Bank also provides facilities for employees to
fasilitas bagi karyawan untuk berkumpul atau berserikat. assemble or associate.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 417
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Tanggung Jawab Sosial dan Lingkungan Hidup
Corporate Social and Environmental Responsibility
Roadmap Pengelolaan Human Capital
Human Capital Management Roadmap
2024 2025 2026
Full Cycle Performance Full Cycle Performance Management 2024-2026
Management 2024
Membentuk Performance
Oriented Culture
Forming Performance- Menerapkan KPI berdasarkan
Oriented Culture Balance Score Card
Review Review
Implementing KPI based on
Balance Score Card
Mencari, menyeleksi, dan menempatkan karyawan dengan profil dan kompetensi yang mampu mengoptimalkan
performance dan adaptif dengan proses transformasi digital
Recruiting, selecting, and placing employees having the right profile and competence to optimize performance
and be adaptive with the digital transformation process
Mengoptimalkan Dukungan
HC Berbasis Digital
Optimizing Digital-Based Secara berkelanjutan melakukan proses rekrutmen, pelatihan,
HC Support penempatan, dan evaluasi karyawan termasuk sales team sesuai
perkembangan bisnis dan transformasi digital
Placement and Monitoring
Continuously conducting recruitment, training, placement, and
evaluation processes of the employees including the sales team
according to the business development and digital
Mengoptimalkan Victoria Placement Learning and Review Learning and
Mengembangkan Corporate University sebagai and Assessment Talent Needs Assessment
Victoria Corporate University pusat pengembangan HC Monitoring Process Process
Developing Optimizing Victoria Corporate
Victoria Corporate University University as HC development
center
Perencanaan Kebutuhan Human Capital Planning for Human Capital Needs
Setiap tahun, Bank Victoria merencanakan kebutuhan HC Every year, Bank Victoria plans HC needs based on identification
berdasarkan identifikasi persyaratan, standar formasi, serta of requirements, formation standards, and performance and
pertimbangan kinerja dan potensi. Strategi perencanaan HC potential considerations. The strategies for HC planning in 2023
untuk tahun 2023 melibatkan optimalisasi dan sinergi seluruh involved optimization and synergy of the entire HC. Recruitment
HC. Rekrutmen dilakukan untuk mengisi kekosongan jabatan is conducted to fill the vacant positions due to employee
akibat mengundurkan diri, promosi, atau rotasi karyawan. resignation, promotion, or rotation.
Rekrutmen Human Capital [POJK F.18] Human Capital Recruitment [POJK F.18]
Dalam melaksanakan rekrutmen HC, Bank memberikan jaminan In recruiting HC, the Bank guarantees an equal employment
atas kesetaraan kesempatan kerja sesuai dengan prinsip opportunity in accordance with the principles of fulfilling human
pemenuhan hak asasi manusia, tanpa praktik diskriminatif suku, rights, no discriminatory practices on ethnicity, gender, religion,
gender, agama, dan status sosial. Bank juga memprioritaskan and social status. The Bank also prioritizes domestic workers as
tenaga kerja dalam negeri sebagai calon karyawan. prospective employees.
Berdasarkan Kebijakan Human Capital Management dan Standar Based on the Human Capital Management Policy and Standard
Operasional Prosedur Human Capital Management, kelompok Operating Procedures for Human Capital Management, the group
tenaga kerja yang direkrut meliputi karyawan organik, kontrak, of manpower that is recruited consists of organic, contract, and
dan outsourcing. Tahapan dalam proses seleksi penerimaan HC outsourcing employees. The Bank’s HC selection process consists
Bank sebagai berikut: of the following phases:
1. Seleksi administrasi; 1. Administration selection;
2. Tes kemampuan dan kepribadian; 2. Capability and personality test;
3. Wawancara oleh Human Capital Management dan end user; 3. Interview by Human Capital Management and end user;
4. Tes fisiologis dan tes simulasi pekerjaan; dan 4. Physiological test and job simulation test; and
5. Penilaian oleh pihak independen. 5. Assessment by independent party.
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Pengembangan Kompetensi Human Capital Human Capital Competency Development
[POJK F.22] [POJK F.22]
Bank mengembangkan Victoria Corporate University (VCU) The Bank develops Victoria Corporate University (VCU) as a
sebagai sarana pembelajaran dan pengembangan kompetensi means of learning and developing HC competencies. VCU itself
HC. VCU sendiri memiliki misi sebagai berikut: has the following missions:
1. Mengembangkan program pendidikan dan pelatihan berbasis 1. Developing competency-based education and training
kompetensi; programs;
2. Mengembangkan organisasi dan karyawan pembelajar yang 2. Developing efficient learning organization and employee;
efisien; dan and
3. Membentuk assessment center serta talent pool yang 3. Establishing assessment center and talent pool having
mampu mengidentifikasi dan mengelola pengembangan the ability to identify and manage employee’s career
karier karyawan guna menciptakan leader yang kuat. development in order to generate strong leaders.
Selain VCU, pengembangan kompetensi HC dilakukan melalui Apart from VCU, HC competency development is carried out
program pendidikan dan pelatihan yang ditekankan pada through education and training programs which emphasize
kebutuhan pengembangan individu yang bertujuan mendukung individual development needs to support performance and career
keberhasilan kinerja dan karier. Program pendidikan dan success. Education and training programs are prepared based on
pelatihan disusun berdasarkan training need analysis dalam training need analysis in the annual training plan.
rencana pelatihan tahunan.
Informasi terkait pelaksanaan pengembangan kompetensi Information related to the implementation of competency
selama 3 (tiga) tahun terakhir ditunjukkan sebagai berikut: development for the last 3 (three) years is shown as follows:
Jumlah Pelatihan
Total Trainings Total
Komposisi
Jenis Pelatihan Pelatihan
Dewan Komisaris Direksi Composition
Type of Training Manajer Total
Board of Board of Officer Non-Staff (%)
Manager Trainings
Commissioners Directors
2023
Training/Inhouse 15 36 1,448 2,519 262 4,280 76.01
Refreshment Training 5 8 187 353 - 553 9.82
Training/Public - - 77 102 - 179 3.18
Seminar/Public 4 23 90 90 4 211 3.75
Certification - 1 25 230 - 256 4.55
Certification Training - - 2 148 - 150 2.66
Educational Scholarship - - 1 1 - 2 0.04
Total 24 68 1,830 3,443 266 5,631 100.00
Komposisi (%)
0.43 1.21 32.50 61.14 4.72 100.00
Composition (%)
Biaya Pengembangan Kompetensi (Rp)
4,844,814,746
Competency Development Cost (Rp)
Rata-Rata Jam Pelatihan (Jam)
5
Average Training Hours (Hours)
2022
Training/Inhouse 12 30 1,917 3,414 98 5,471 65.43
Refreshment Training - 3 60 34 35 132 1.58
Training/Public 3 7 383 997 5 1,395 16.68
Seminar/Public - 8 104 113 8 233 2.79
Certification 1 7 249 429 - 686 8.20
Certification Training - 1 211 229 - 441 5.27
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Tanggung Jawab Sosial dan Lingkungan Hidup
Corporate Social and Environmental Responsibility
Jumlah Pelatihan
Total Trainings Total
Komposisi
Jenis Pelatihan Pelatihan
Dewan Komisaris Direksi Composition
Type of Training Manajer Total
Board of Board of Officer Non-Staff (%)
Manager Trainings
Commissioners Directors
Educational Scholarship - - 2 1 - 3 0.04
Total 16 56 2,926 5,217 146 8,361 100.00
Komposisi (%)
0.19 0.67 35.00 62.40 1.75 100.00
Composition (%)
Biaya Pengembangan Kompetensi (Rp)
2,991,913,259
Competency Development Cost (Rp)
2021
Training/Inhouse 14 29 1,531 2,842 399 4,815 88.45
Refreshment Training 3 4 18 11 - 36 0.66
Training/Public - 4 105 98 - 207 3.80
Seminar/Public 1 7 150 115 - 273 5.01
Certification 4 4 57 19 - 84 1.54
Certification Training 1 - 18 7 - 26 0.48
Educational Scholarship - - 2 1 - 3 0.06
Total 23 48 1,881 3,093 399 5,444 100.00
Komposisi (%)
0.42 0.88 34.55 56.81 7.33 100.00
Composition (%)
Biaya Pengembangan Kompetensi (Rp)
1,394,487,605
Competency Development Cost (Rp)
Untuk mendukung proses pendistribusian ilmu pengetahuan secara To support the process of comprehensive and structured
menyeluruh dan terstruktur, Bank Victoria melaksanakan Knowledge knowledge distribution, Bank Victoria carries out Knowledge
Management yang dikelola melalui VCU. Hal ini ditujukan untuk Management, administered by VCU. This is intended to compile
menghimpun seluruh pengetahuan, keterampilan dan pengalaman all HC knowledge, skills, and work experience to become a
kerja HC menjadi sumber informasi yang dapat diakses oleh seluruh source of information accessible by all HC. The implementation
HC. Pelaksanaan Knowledge Management melalui VCU selain dari of Knowledge Management through VCU, apart from face-to-
pertemuan tatap muka melalui training class room, sharing session, face meetings through classroom training, sharing sessions, and
serta sosialisasi, juga dilakukan melalui beberapa sarana, seperti, dissemination, is also carried out through several channels, such
e-learning, intranet V-Smart, dan Vic-News. as e-learning, V-Smart intranet, and Vic-News.
Selain itu, VCU juga mengevaluasi efektivitas pelaksanaan sistem In addition, VCU also evaluates the effectiveness of HC training
pelatihan dan pengembangan bagi HC dengan menggunakan and development system by using the Post-Training Evaluation
Form Evaluasi Pasca Training. Hasil evaluasi akan menjadi Form. The evaluation result will become an important
pertimbangan penting untuk mengarahkan dan meningkatkan consideration for directing and enhancing future HC training
kebutuhan pelatihan lanjutan bagi HC. requirement.
Penilaian Kinerja Human Capital Human Capital Performance Assessment
Bank Victoria mengatur pelaksanaan penilaian kinerja HC Bank Victoria regulates the HC’s performance assessment in the
dalam Kebijakan Human Capital Management yang disahkan Human Capital Management Policy, which was approved under
melalui Surat Keputusan Direksi No. 001A/SK-DIR/12/22 the Board of Directors’ Decision Letter No. 001A/SK-DIR/12/22
tanggal 1 Desember 2022 dan Standar Operasional Prosedur dated 1 December 2022 and Standard Operating Procedures
Human Capital Management melalui Surat Keputusan Direksi for Human Capital Management under the Board of Directors’
No. 001B/SK-DIR/12/22 tanggal 1 Desember 2022. Penilaian Decision Letter No. 001B/SK-DIR/12/22 dated 1 December 2022.
kinerja HC didasarkan pada pencapaian kinerja, pemenuhan atau HC performance assessment is conducted based on performance
peningkatan kompetensi, dan penerapan nilai-nilai Bank Victoria. achievements, fulfillment or improvement of competencies, and
Implementasinya mengikuti Key Performance Indicators (KPI) implementation of Bank Victoria’s values. Its implementation
dengan merujuk pada sistem Balanced Scorecard yang mencakup follows the Key Performance Indicators (KPI) by referring to the
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perspektif keuangan, nasabah, pembelajaran dan pertumbuhan Balanced Scorecard system which includes the perspectives of
karyawan, serta proses bisnis internal. finance, customers, employees’ learning and growth, and internal
business process.
Penilaian dilakukan 2 (dua) kali setahun untuk mengevaluasi Assessment is carried out twice in a year to evaluate HC
kinerja, mengidentifikasi kelebihan dan kekurangan HC, serta performance, identify its advantage and disadvantage, and
menilai efektivitas sistem-sistem di Bank Victoria. Selanjutnya, assess the effectiveness of Bank Victoria’s systems. Thereafter,
hasil penilaian digunakan sebagai dasar untuk kenaikan the assessment results are used as a basis for increasing
remunerasi, bonus tahunan, serta penghargaan finansial dan remuneration, annual bonus, and financial and non-financial
non-finansial sesuai dengan kemampuan Bank setiap tahunnya. rewards adjusted to the Bank’s ability every year.
Pengembangan Karier Human Capital Human Capital Career Development
Bank memastikan tidak ada tindakan diskriminasi terhadap The Bank ensures that there are no acts of discrimination against
setiap karyawan pada program pengembangan karier dengan any employee in the career development program by applying
menerapkan prinsip fair opportunity dan Prudential Career fair opportunity principle and Prudential Career Management
Management Guideline. Dalam 3 (tiga) tahun terakhir, Bank Guideline. In the past 3 (three) years, the Bank conducted career
telah melaksanakan pengembangan karier terhadap HC yang development on HC as shown below:
ditunjukkan sebagai berikut:
Jumlah Karyawan
Total Employees
Pengembangan Karier
2023 2022 2021
Career Development
Pria Wanita Pria Wanita Pria Wanita
Total Total Total
Male Female Male Female Male Female
Promosi ke Jabatan yang Lebih Tinggi
8 9 17 13 8 21 8 13 21
Promotion to a Higher Position
Mutasi pada Jenjang yang Selevel
14 34 48 19 21 40 62 95 157
Transfer at the Same Level
Human Capital Engagement Human Capital Engagement
Bank Victoria menggunakan Human Capital Engagement Bank Victoria uses Human Capital Engagement as a parameter to
sebagai parameter untuk mengukur tingkat keterikatan measure employees’ emotional engagement to the Bank. Efforts
emosional karyawan terhadap Bank. Upaya untuk meningkatkan to increase employees’ engagement are carried out by providing
engagement karyawan dilakukan dengan memberikan opportunities for education, training, and career development
kesempatan pendidikan, pelatihan, serta pengembangan through promotion, job rotation, job enlargement, and other
karier melalui promosi, job rotation, job enlargement, dan activities. Performance assessment based on the Balanced
kegiatan lainnya. Penilaian kinerja berdasarkan sistem Balanced Scorecard system is also applied from the Company to individual
Scorecard juga diterapkan mulai dari level perusahaan hingga level, with monitoring through coaching, counseling, and
individu, dengan pemantauan melalui coaching, counseling, dan controlling. Human Capital Engagement is also strengthened
controlling. Human Capital Engagement juga diperkuat melalui through the implementation of fair remuneration standard and
penerapan standar remunerasi yang adil, mempertimbangkan consideration of employee’s ranking and position level.
pemeringkatan karyawan, dan jenjang jabatan.
Industrial Relations Industrial Relations
Bank Victoria menciptakan suasana kerja terbuka, positif, dan Bank Victoria creates an open, positive, and progressive work
progresif untuk membina hubungan industrial yang harmonis dan atmosphere to foster harmonious and dynamic industrial
dinamis. Hal ini diwujudkan melalui Peraturan Perusahaan Bank relations. This is realized through Bank Victoria’s Company
Victoria yang dimutakhirkan dan disahkan oleh Kementerian Regulations, which were updated and validated by the Ministry of
Tenaga Kerja dan Transmigrasi melalui Surat Keputusan Direktur Manpower and Transmigration through the Directorate General
Jenderal Pembinaan Hubungan Industrial dan Jaminan Sosial of Industrial Relations Development and Labor Social Security
Tenaga Kerja No. Kep.4/HI.00.00/00.0000.230404006/B/VII/2023 Decree No. Kep.4/HI.00.00/00.0000.230404006/B/VII/2023
tanggal 18 Juli 2023 tentang Pengesahan Peraturan Perusahaan dated 18 July 2023 on Approval of Company Regulations of
PT Bank Victoria International Tbk. Peraturan ini diperbarui PT Bank Victoria International Tbk.This Company Regulations
secara berkala mengikuti perubahan regulasi dan perkembangan are updated periodically in line with the amendments to the
industri perbankan di Indonesia. regulations and development of the banking industry in Indonesia.
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Tanggung Jawab Sosial dan Lingkungan Hidup
Corporate Social and Environmental Responsibility
Internalisasi Budaya Perusahaan Human Capital Internalization of Human Capital Corporate Culture
Budaya Perusahaan di Bank Victoria bertujuan menciptakan Corporate Culture at Bank Victoria aims to create a more
transformasi budaya kerja yang lebih profesional, dimulai dari professional work culture transformation, starting from
awarenes, engagement, acceptance, hingga ownership. Oleh awareness, engagement, acceptance, to ownership. Therefore,
karenanya, Bank menetapkan program kerja untuk memperkuat the Bank established a work program to strengthen the work
budaya kerja berorientasi intrapreneurship, kinerja, inovasi, culture oriented on intrapreneurship, performance, innovation,
dan efisiensi. Hal itu dilakukan untuk mewujudkan transformasi and efficiency. That matter is conducted to manifest the
budaya kerja, seperti sosialisasi dan komunikasi nilai budaya work culture transformation, such as dissemination and
perusahaan, internalisasi nilai budaya perusahaan, penyelarasan communication of corporate culture values, internalization
sistem organisasi dan HC, serta pelaksanaan program recognition. of corporate cultural values, alignment of organizational and
Program tersebut dilaksanakan secara konsisten sebagai bagian HC systems, and implementation of recognition programs. The
yang tidak terpisahkan dari kegiatan operasional Bank. program is implemented consistently as an inseparable part of
the Bank’s operational activities.
Jumlah Human Capital [POJK C.3]
Total Human Capital
2023 2022 2021
Uraian
Description Pria Wanita Pria Wanita Pria Wanita
Total % Total % Total %
Male Female Male Female Male Female
LEVEL ORGANISASI / ORGANIZATIONAL LEVEL
Direksi
Boards of 4 1 5 0.70 4 1 5 0.73 4 1 5 0.72
Directors
Manajemen
87 84 171 23.98 78 83 161 23.40 81 85 166 23.92
Management
Staf
283 254 537 75.32 282 240 522 75.87 283 240 523 75.36
Staff
Total 374 339 713 100.00 364 324 688 100.00 368 326 694 100.00
TINGKAT PENDIDIKAN / EDUCATIONAL LEVEL
Doktor
2 - 2 0.28 - - - - - - - -
Doctorate
Pascasarjana
24 12 36 5.05 23 13 36 5.23 23 8 31 4.47
Post-Graduates
Sarjana
185 223 408 57.22 176 202 378 54.94 166 205 371 53.46
Graduates
Diploma 28 72 100 14.03 29 78 107 15.55 36 80 116 16.71
<SMA
135 32 167 23.42 136 31 167 24.27 143 33 176 25.36
< High School
Total 374 339 713 100.00 364 324 688 100.00 368 326 694 100.00
STATUS KARYAWAN / EMPLOYMENT STATUS
Karyawan Tetap
Permanent 199 211 410 57.50 193 206 399 57.99 205 211 416 59.94
Employee
Karyawan Tidak
Tetap
42 127 169 23.70 36 117 153 22.24 21 112 133 19.16
Non-permanent
Employee
Outsorcing 133 1 134 18.80 135 1 136 19.77 142 3 145 20.89
Total 374 339 713 100.00 364 324 688 100.00 368 326 694 100.00
USIA / AGE
>60 Tahun
7 6 13 1.82 10 5 15 2.18 9 4 13 1.87
>60 Years Old
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2023 2022 2021
Uraian
Description Pria Wanita Pria Wanita Pria Wanita
Total % Total % Total %
Male Female Male Female Male Female
51–60 Tahun
43 34 77 10.80 38 32 70 10.17 43 27 70 10.09
51–60 Years Old
41–50 Tahun
108 47 155 21.74 105 43 148 21.51 100 45 145 20.89
41–50 Years Old
31–40 Tahun
129 117 246 34.50 136 127 263 38.23 140 128 268 38.62
31–40 Years Old
21–30 Tahun
86 132 218 30.58 74 112 186 27.03 76 121 197 28.39
21–30 Years Old
18-20 Tahun
1 3 4 0.56 1 5 6 0.87 - 1 1 0.14
18-20 Years Old
Total 374 339 713 100.00 364 324 688 100.00 368 326 694 100.00
MASA KERJA / YEARS OF SERVICES
>20 Tahun
11 11 22 3.09 9 13 22 3.20 7 11 18 2.59
>20 Years
16-20 Tahun
23 14 37 5.19 32 15 47 6.83 23 12 35 5.04
16-20 Years
11-15 Tahun
54 47 101 14.17 40 57 97 14.10 41 57 98 14.12
11-15 Years
6-10 Tahun
86 67 153 21.46 99 93 192 27.91 95 71 166 23.92
6-10 Years
0-5 Tahun
200 200 400 56.10 184 146 330 47.97 202 175 377 54.32
0-5 Years
Total 374 339 713 100.00 364 324 688 100.00 368 326 694 100.00
Remunerasi Karyawan [POJK F.20] Employee Remuneration [POJK F.20]
Bank memberikan apresiasi terhadap kontribusi karyawan dalam The Bank appreciates the employees’ contributions in developing
kemajuan Bank Victoria melalui pemberian remunerasi yang Bank Victoria by providing fair remuneration according to their
adil sesuai dengan tanggung jawab kerja masing-masing. Bank respective work responsibility. Also, the Bank always pays high
juga selalu memperhatikan ketentuan Upah Minimum Regional regard to the provisions of Regional Minimum Wage (UMR)
(UMR) dan tingkat upah di industri sejenis. Untuk karyawan di and wage level in similar industry. For employees in the lowest
jabatan terendah, upah tetap disesuaikan dengan UMR di wilayah position, their wage remains adjusted to the minimum wage in
operasional masing-masing, dengan rincian sebagai berikut: their respective operational area, with the following details:
Rasio Upah Karyawan Tetap Terendah
Upah Karyawan Tetap Terendah Upah Minimum Regional dibandingkan UMR
Wilayah
Lowest Permanent Employee’s Wage Regional Minimum Wage Ratio of the Lowest Permanent Employee’s
Region
(Rp) (Rp) Wage to UMR
(%)
Bandung 4,209,500 4,209,309 100.00
Bogor 4,814,000 4,813,988 100.00
Denpasar 3,097,000 3,096,823 100.01
DKI Jakarta 5,067,500 5,067,381 100.00
Manado 3,591,000 3,590,858 100.00
Makassar 3,643,500 3,643,321 100.00
Medan 3,769,500 3,769,082 100.01
Semarang 3,244,000 3,243,969 100.00
Surabaya 4,725,500 4,725,479 100.00
Surakarta 2,269,500 2,269,070 100.02
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Tanggung Jawab Sosial dan Lingkungan Hidup
Corporate Social and Environmental Responsibility
Hak Cuti Melahirkan Maternity Leave Rights
Informasi terkait cuti melahirkan yang diberikan Bank kepada karyawan Information regarding maternity leave provided by the Bank to
wanita dan pria pada tahun 2023 diungkapkan sebagai berikut: female and male employees in 2023 is disclosed as follows:
Uraian Pria Wanita Jumlah
Description Male Female Total
Karyawan yang berhak mendapat cuti
159 165 324
Employees eligible to take leave
Karyawan yang mengambil hak cuti
22 26 48
Employees taking leave
Karyawan yang kembali bekerja pada periode pelaporan setelah cuti
berakhir 22 26 48
Employees returning to work in the reporting period after leave ends
Karyawan yang kembali bekerja setelah cuti berakhir, yang masih
dipekerjakan 12 bulan setelah kembali bekerja
22 26 48
Employees returning to work after leave ends, still employed 12
months after returning to work
Program Pensiun Pension Program
Bank Victoria memperhatikan kesejahteraan karyawan yang Bank Victoria pays attention to employees’ welfare who have
telah berkontribusi pada kemajuan usaha hingga memasuki usia contributed to the business progress until they enter retirement
pensiun. Program pensiun dilaksanakan sesuai dengan Kebijakan age. Pension program is carried out in accordance with the Human
Human Capital Management dan Standar Operasional Prosedur Capital Management Policy and Standard Operating Procedures
Human Capital Management. Karyawan yang mencapai usia di for Human Capital Management. Employees entering the age of
atas 55 tahun dapat mengikuti program pensiun dan menerima over 55 years can join the pension program and receive a pension
uang pensiun sesuai ketentuan. Selain itu, pensiunan juga memiliki in accordance with the provisions. Furthermore, the retiree also
opsi untuk dipekerjakan kembali sebagai karyawan kontrak. has the option to be rehired under contract status.
Tingkat Perputaran Karyawan HC Turnover Rate
Meskipun perputaran karyawan adalah fenomena umum di Although employee turnover is a common phenomenon in
industri perbankan, Bank Victoria secara konsisten melakukan banking industry, Bank Victoria consistently implement various
berbagai upaya untuk menjaga engagement karyawan dan efforts to maintain employee engagement and reduce turnover
meminimalkan tingkat perputaran. Penyebab perputaran rates. Reasons for employee turnover are various, such as
karyawan dapat bervariasi, mulai dari pensiun, pengunduran diri, pension, resigning, terminated, and other factors.
pemutusan hubungan kerja, dan faktor lainnya.
Tingkat perputaran karyawan di Bank selama 3 (tiga) tahun The employee turnover rate at the Bank for the past 3 (three)
terakhir sebagai berikut: years is as follows:
Uraian 2023 2022 2021 Description
Total Karyawan yang Keluar 157 165 260 Total Employees Leaving
Pria 88 68 101 Male
Wanita 69 97 159 Female
Total Karyawan 713 688 694 Total Employees
Tingkat Perputaran Karyawan dalam Setahun (%) 22.02 23.84 34.83 Employee Turnover Rate in a Year (%)
Strategi Pengelolaan Human Capital Tahun 2024 Human Capital Management Strategy in 2024
Bank menyusun rencana kerja pengelolaan HC setiap tahun The Bank prepares HC management work plan annually to
untuk memastikan kelangsungan rencana kerja. Untuk tahun ensure the continuity of the work plan. For 2024, the Bank’s HC
2024, rencana kerja pengelolaan HC Bank sebagai berikut: management work plan is as follows:
1. Penyempurnaan dan pengembangan penyusunan KPI 1. Refining and developing KPI balance score card preparation
balance score card melalui Human Resource Information through Human Resource Information System (HRIS);
System (HRIS);
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2. Penginian Peraturan Perusahaan Online melalui Pppkb. 2. Updating Company Regulations Online through Pppkb.
Kemnaker.Go.Id; Kemnaker.Go.Id;
3. Pemenuhan kewajiban sertifikasi kompetensi sesuai 3. Fulfilling competency certification obligations in accordance
ketentuan, meliputi: with provisions, including:
a. Sertifikasi Manajemen Risiko; a. Risk Management Certification;
b. Sertifikasi Sistem Pembayaran dan Pengelolaan Uang b. Payment System Certification and Rupiah Money
Rupiah (SPPUR); Management (SPPUR);
c. Sertifikasi Tresuri Dealer; c. Dealer Treasury Certification;
d. Sertifikasi Audit; dan d. Audit Certification; and
e. Sertifikasi Kepatuhan; e. Compliance Certification;
4. Penyelenggaraan program pelatihan penyegaran terkait 4. Organizing refreshment training programs related to
sertifikasi kompetensi; competency certification;
5. Penyelenggaraan program pelatihan, baik secara inhouse 5. Organizing training programs, both in-house training,
training yang diselenggarakan internal bekerja sama dengan organized internally in cooperation with training vendors,
vendor training dan juga training publik terkait sesuai dengan and public-related training in accordance with training work
rencana kerja pelatihan serta kebutuhan divisi kerja; plans and work division needs;
6. Pelaksanaan program pelatihan induksi bagi karyawan yang 6. Implementing induction training programs for new
baru (onboarding); (onboarding) employees;
7. Pelaksanaan program pelatihan sosialisasi terkait penginian 7. Implementing dissemination training programs related
kebijakan, sistem prosedur, dan juga produk Bank; to update of the Bank’s policies, system procedures, and
8. Penyusunan modul dan kurikulum kredit SME dalam rangka products;
pengembangan Victoria Corporate University; 8. Preparing SME credit modules and curriculum for the
9. Pelaksanaan pemenuhan kebutuhan karyawan serta development of Victoria Corporate University;
senantiasa melakukan program rotasi dan mutasi untuk 9. Implementing employee needs and continuously carrying
penyegaran dan pengembangan karier karyawan; dan out rotation and transfer programs to refresh and develop
employee careers; and
10. Penyampaian pelaporan ketenagakerjaan kepada pihak 10. Submitting employment reports to other related parties such
terkait lainnya seperti Otoritas Jasa Keuangan, Bank as Financial Services Authority, Bank Indonesia, Ministry of
Indonesia, Kementerian Ketenagakerjaan, Dinas Tenaga Kerja Manpower, Regional Manpower and Transmigration Service,
dan Transmigrasi Wilayah, Kantor Pajak, dan sebagainya. Tax Office, and so on.
Pengelolaan Kesehatan dan Keselamatan Kerja Occupational Health and Safety Management
[POJK F.21] [POJK F.21]
Bank berkomitmen untuk menyediakan lingkungan kerja yang The Bank is committed to providing a safe and comfortable work
aman dan nyaman sebagai pemenuhan hak karyawan sekaligus environment to fulfill employee rights while maintaining business
menjaga produktivitas usaha. Komitmen tersebut diwujudkan productivity. Such commitment is realized by paying attention
dengan memperhatikan tata ruang kerja yang dilengkapi dengan to the work space arrangement which must be supported by
penerangan yang cukup, sirkulasi udara lancar, temperatur udara adequate lighting, sufficient air circulation, air temperature
yang dapat disesuaikan melalui pendingin udara (AC), serta sarana which can be adjusted through the air conditioner (AC), and
dan prasarana penunjang keselamatan kerja yang memadai. adequate occupational safety supporting equipment.
Bank melakukan beberapa upaya untuk memastikan keselamatan Bank regularly makes several efforts to ensure employees safety
dan keamanan karyawan secara berkala, salah satunya and security, one of which is by conducting lift maintenance as
dengan melakukan pemeliharaan lift sebagai fasilitas dengan a facility with the high intensity of use. In addition, the Bank
intensitas penggunaan yang cukup tinggi. Selain itu, Bank juga also uses anti radiation monitor to maintain employee’s healthy
menggunakan monitor komputer anti radiasi untuk menjaga vision. Furthermore, the Bank has emergency plan and fire
kesehatan mata karyawan. Selanjutnya, Bank telah memiliki evacuation handling scheme placed in all employee’s work space
skema penanganan rencana situasi darurat atau evakuasi on each floor in the building so that employees can easily identify
kebakaran yang ditempatkan di seluruh ruang kerja karyawan them.
pada setiap lantai gedung agar mudah diketahui karyawan.
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Tanggung Jawab Sosial dan Lingkungan Hidup
Corporate Social and Environmental Responsibility
Bentuk kepedulian lain yang diperhatikan Bank terhadap Another form of concern that the Bank pays attention to
kesehatan dan keselamatan kerja karyawan diwujudkan dengan employee’s occupational health and safety is realized by
mengikutsertakan pada program Jaminan Sosial Tenaga Kerja registering the employees in the Workers’ Social Security
(Jamsostek) yang meliputi: (Jamsostek) program which includes:
1. Program Jaminan Hari Tua (JHT); 1. Old Age Savings Program (JHT);
2. Program Jaminan Kecelakaan Kerja (JKK); 2. Occupational Accident Program (JKK);
3. Program Jaminan Kematian (JKM); serta 3. Death Benefit Program (JKM); and
4. Program Jaminan Pensiun (JP). 4. Pension Program (JP).
Selain program jaminan kesehatan, Bank juga mengikutsertakan In addition to health insurance program, the Bank also registers
asuransi kesehatan untuk keluarga karyawan, mencakup employee’s family in health insurance which includes husband/
suami/istri dan anak. Asuransi kesehatan tersebut mencakup wife and children. The health insurance covers health examination
pemeriksaan dan perawatan di rumah sakit, baik untuk rawat and treatment in hospital, both for inpatient and outpatient, and
inap, rawat jalan, perawatan gigi, serta program melahirkan bagi dental care, as well as employee’s maternity program.
istri karyawan.
Penanganan Keadaan Darurat Keselamatan Kerja Occupational Safety Emergency Handling
Penanganan keadaan darurat di Bank Victoria dimulai dengan Emergency handling at Bank Victoria begins with identifying
mengidentifikasi potensi kecelakaan kerja di wilayah operasional, potential occupational accidents in operational areas, among
yaitu: others:
1. Kebakaran dan/atau ledakan; 1. Fire and/or explosion;
2. Faktor alam, seperti banjir, gempa bumi, tsunami, gunung 2. Nature factors, such as flood, earthquake, tsunami, volcano,
meletus, dan lain-lain; serta etc; and
3. Sabotase/aktivitas terorisme, ancaman bom, dan huru-hara. 3. Sabotage/ terrorism activities, bomb threats, and riots.
Berdasarkan hal tersebut, Bank telah menetapkan prosedur Based on such matters, the Bank has established procedures to
untuk menangani keadaan darurat yang terjadi di wilayah handle emergency situation that occurs in the Bank’s operational
operasional Bank. areas.
Tingkat Kecelakaan Kerja Occupational Accident Rate
Selama 3 (tiga) tahun terakhir, tidak terdapat kasus kecelakaan In the last 3 (three) years, there were no occupational accident
kerja yang terjadi di Bank. Hal tersebut merupakan dampak dari cases that occurred at the Bank. This is the impact of the Bank’s
komitmen Bank dalam menyediakan lingkungan kerja yang layak commitment to providing a decent and safe work environment.
dan aman.
Sarana Pengaduan terkait Pengelolaan HC Complaint Channel Related to HC Management
Pengaduan masalah atau konflik ketenagakerjaan dapat diajukan Complaints regarding manpower problems or conflicts can be
kepada Divisi Human Capital Management & General Affair. submitted to the Human Capital Management & General Affairs
Selama 3 (tiga) tahun terakhir Bank tidak menerima adanya Division. Information on complaints received and followed up by
pengaduan terkait pengelolaan HC. Bank Victoria in the past 3 (three) years is shown as follows:
Berkembang Bersama Masyarakat Developing Together with the Community
Bank Victoria berkontribusi pada pembangunan ekonomi dan Bank Victoria contributes to the community’s economic and
sosial masyarakat melalui program tanggung jawab sosial social development through the corporate social responsibility
perusahaan (corporate social responsibility/CSR). Pelaksanaan (CSR) programs. CSR program implementation refers to the Board
program CSR mengacu pada Surat Keputusan Direksi of Directors’ Decision Letter No. 002/SK-DIR/12/18 dated 19
No. 002/SK-DIR/12/18 tanggal 19 Desember 2018 entang December 2018 on Corporate Social Responsibility (CSR).
Corporate Social Responsibility (CSR).
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Visi dan Misi CSR
CSR Vision and Mission
Visi / Mission
Menjadi mitra dalam meningkatkan kualitas pendidikan, kesehatan, To become a partner in improving the quality of education,
dan kesejahteraan masyarakat untuk menjadi lebih baik serta ikut health, and welfare of the community to be better and play
berperan dalam membangun hubungan antara perusahaan dengan a role in building sustainable relationships between the company
masyarakat yang berkelanjutan. and communities.
Misi / Mission
• Berpartisipasi dalam mengurangi keterbelakangan sosial • To participate in reducing social backwardness in accordance
kemasyarakatan sesuai dengan kapasitas dan kemampuan with the Company’s capacity and capabilities.
perusahaan.
• Berpartisipasi dalam meningkatkan kualitas pendidikan dasar • To participate in improving the quality of basic education for
bagi anak-anak sekolah. school children.
• Berupaya untuk mengimplementasikan cara-cara konservasi • To make efforts to implement energy conservation methods in
energi dalam rutinitas pekerjaan sehari-hari. daily work routines.
• Berupaya untuk mendukung kegiatan serta aktivitas positif • To make efforts to support positive activities through closer
melalui kerja sama yang lebih dekat dengan berbagai komunitas cooperation with various communities in the banking sector.
di bidang perbankan.
• Ikut serta berperan dalam program pemberdayaan masyarakat • To continuously participate in community empowerment
secara berkelanjutan. program.
Penggunaan Tenaga Kerja Lokal [POJK F.25] Use of Local Manpower [POJK F.25]
Bank Victoria memberikan kontribusi pada pertumbuhan Bank Victoria contributes to regional economic growth by
perekonomian daerah dengan memprioritaskan tenaga kerja lokal prioritizing local manpower (domicile stated on ID card conforms
(domisili KTP sesuai wilayah operasional) sebagai karyawan Bank. to the operational area) as Bank employees. This commitment
Komitmen ini tercermin dalam karyawan Bank yang seluruhnya is reflected by having all of the Bank’s employees of Indonesian
adalah Warga Negara Indonesia (WNI), dan sebanyak 67,46% nationality (WNI), and 67.46% among them are local manpower.
di antaranya merupakan tenaga kerja lokal.
Perbaikan Sarana dan Prasarana Sosial [POJK F.25] Social Facility and Infrastructure Repair [POJK F.25]
Di setiap tahunnya, Bank turut serta dalam kegiatan perbaikan Every year, the Bank takes part in activities to repair social
sarana dan prasarana sosial dalam hal ini di bidang pendidikan. facilities and infrastructure. Social facility and infrastructure
Perbaikan sarana dan prasarana sosial yang Bank lakukan di repairs that the Bank provided in 2023 are described as follows:
tahun 2023 diuraikan sebagai berikut:
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Tanggung Jawab Sosial dan Lingkungan Hidup
Corporate Social and Environmental Responsibility
Penerima Manfaat
Kegiatan Lokasi
Beneficiaries
Activity Location
(Orang / People)
Bantuan kelengkapan alat tulis sekolah Sekolah Dasar Dewi Sartika, Cilincing, Jakarta Utara
200
Assistance of school stationery. Dewi Sartika Elementary School, Cilincing, North Jakarta
Pengadaan alat pendingin ruangan [AC].
Sekolah Dasar Laksa Bhakti, Jembatan Lima, Jakarta Barat
Procurement of air conditioning [AC] 75
Laksa Bhakti Elementary School, Jembatan Lima, West Jakarta
equipment.
Biaya Kegiatan Perbaikan Sarana dan Prasarana Costs for Social Facility and Infrastructure
Sosial Repairs
Berikut informasi kegiatan perbaikan sarana dan prasarana sosial The following is information on activities to repair social facilities
yang telah dikeluarkan Bank selama 3 (tiga) tahun terakhir: and infrastructure carried out by the Bank in the past 3 (three) years:
(dalam Rupiah / in Rupiah)
2023 2022 2021
5,500,000 88,967,970 39,789,600
Pemberian Donasi [POJK F.25] Donation [POJK F.25]
Bank berupaya berkontribusi sebagai donatur dalam kegiatan- The Bank strives to contribute as a donor in beneficial activities
kegiatan yang bermanfaat bagi masyarakat. Pada tahun 2023, to the community. In 2023, the funding activities by the Bank
kegiatan yang dibantu pendanaannya oleh Bank ditunjukkan were shown as follows:
sebagai berikut:
Penerima Manfaat
Kegiatan Lokasi
Beneficiaries
Activity Location
(Orang / People)
Pemberian vitamin C untuk seluruh karyawan Bank Kantor Pusat dan Cabang Bank Victoria
691
Providing vitamin C to all Bank Victoria employees. Bank Victoria Head Office and Branches
Pemberian paket bingkisan Hari Raya Lebaran untuk karyawan Bank Kantor Pusat dan Cabang Bank Victoria
Victoria. Bank Victoria Head Office and Branches 691
Providing Eid al-Fitr gift packages to Bank Victoria employees.
Pemberian vitamin untuk guru dan murid serta sarana penunjang SD Laksa Bhakti
kegiatan belajar mengajar berupa 1 (satu) unit AC. Jl. Laksa III No. 6, RT 11 RW 1, Jemb. Lima
Medical assistance in form of vitamins for teachers and students and Kec. Tambora, Jakarta Barat, DKI Jakarta 200
facility to support teaching and learning activities in form of 1 (one) AC
unit.
Pemberian vitamin untuk guru dan murid serta sarana pendukung SD Dewi Sartika
pendidikan berupa buku tulis. Gg. Manunggal 7 No. 19, RT 5 RW 15,
75
Medical assistance in the form of vitamins for teachers and students as Kali Baru Kec. Cilincing, Jakarta Utara, DKI
well as facility to support education in the form of notebooks. Jakarta
Bantuan dana pendidikan dan dana operasional Yayasan STT Iman. Jl. Wijaya I No. 29 - 31 Jakarta Selatan
Assistance of educational funds and operational funds for STT Iman 10
Foundation.
Santunan CSR dalam rangka Bulan Suci Ramadhan tahun 2023, berupa Pondok Pinang, Jakarta Selatan
santunan ke Panti Asuhan Al – Qamariyah.
30
CSR compensation in the Holy Month of Ramadhan 2023, in form of
compensation to Al – Qamariyah Orphanage.
Santunan CSR dalam rangka Bulan Suci Ramadhan tahun 2023, berupa Cikasungka, Solear, Tangerang
santunan ke Panti Asuhan Chairul Amal.
30
CSR compensation in the Holy Month of Ramadhan 2023, in form of
compensation to Chairul Amal Orphanage.
Santunan CSR dalam rangka Bulan Suci Ramadhan tahun 2023, berupa Jakarta
santunan ke anak almarhum karyawan.
13
CSR compensation in the Holy Month of Ramadhan 2023, in form of
compensation to children of deceased employees.
CSR bantuan sosial kemasyarakatan ke Panti Tuna Netra Elsafan. Pondok Bambu, Jakarta Timur
47
CSR social assistance to Elsafan Home for the Blind.
CSR bantuan sosial kemasyarakatan ke Yayasan Hati Suci. Jl. Hati Suci, Jakarta Pusat
10
CSR social assistance to Hati Suci Foundation.
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Biaya Kegiatan Pemberian Donasi Cost for Donation Activity
Berikut informasi kegiatan pemberian donasi yang telah Information on donation activities carried out by the Bank in the
dikeluarkan Bank selama 3 (tiga) tahun terakhir: past 3 (three) years is as follows:
(dalam Rupiah / in Rupiah)
2023 2022 2021
174,110,888 149,247,694 603,688,244
Dampak Operasi terhadap Masyarakat Sekitar Impact of Operations on Surrounding Community
[POJK F.23] [POJK F.23]
Secara umum, pengelolaan usaha Bank tidak menimbulkan In general, the management of the Bank’s business does not have
dampak negatif kepada masyarakat. Namun, kehadiran produk a negative impact on the community. However, the presence of
Bank dan kegiatan CSR memberikan dampak positif serta manfaat the Bank’s products and CSR activities have a positive impact and
bagi masyarakat umum. Dampak positif yang dapat dirasakan benefits for the general public. The positive impact that can be felt
masyarakat di sekitar Bank adalah terbukanya lapangan kerja by the community around the Bank is the opening of employment
dengan mengikuti proses rekrutmen Bank Victoria. Selain itu, opportunities by participating in Bank Victoria’s recruitment
keberadaan Bank juga membuka peluang bagi pelaku usaha process. In addition, the existence of the Bank also opens up
lokal untuk menjadi pemasok atau vendor barang dan jasa yang opportunities for local business actors to become suppliers or
dibutuhkan Bank. Dengan adanya dampak positif tersebut, maka vendors of goods and services needed by the Bank. With this
akan membuka peluang terjadinya peningkatan taraf hidup positive impact, it will open up opportunities for an increase in
dan perekonomian masyarakat setempat. Selain membuka the standard of living and the economy of the local community.
lapangan kerja dan membuka peluang para pengusaha lokal In addition to opening employment opportunities and opening
menjadi pemasok, manfaat atas keberadaan Bank juga dirasakan opportunities for local entrepreneurs to become suppliers, the
masyarakat melalui penerapan berbagai program kegiatan benefits of the Bank’s existence are also felt by the community
sebagai implementasi tanggung jawab sosial perusahaan. through the implementation of various activity programs as the
implementation of corporate social responsibility.
Sarana Pengaduan Masyarakat [POJK F.24] Community Complaint Channel [POJK F.24]
Bank Victoria mengimbau masyarakat untuk melaporkan Bank Victoria urges the community to report Bank activities that
aktivitas Bank yang melanggar peraturan dan merugikan pihak- violate the regulations and harm certain parties through the
pihak tertentu melalui sarana pengaduan berikut: following complaint channels:
1. Call Center yang beroperasi 24 jam melalui panggilan 1. 24 Hour Call Center 1500977;
1500977;
2. E-mail customercare@victoriabank.co.id; dan 2. E-mail customercare@victoriabank.co.id; and
3. Customer service yang berada di cabang-cabang terdekat 3. Customer services at the nearest branch offices that regularly
yang secara berkala akan dilaporkan kepada kantor pusat submit the report to the head office regarding the complaint
terkait data pengaduan dan tingkat penyelesaiannya. data and settlement status.
Hingga akhir tahun 2023, Bank Victoria tidak menerima adanya Until the end of 2023, Bank Victoria did not receive any
pengaduan dari masyarakat akibat kegiatan CSR yang dijalankan. complaints from the community on the CSR activities carried out.
Rantai Pasok yang Bertanggung Jawab Responsible Supply Chain
Bank mengakui pentingnya mitra usaha dalam memperlancar The Bank recognizes the importance of business partners to
kegiatan operasional. Oleh karena itu, Bank memiliki proses accelerate the operational activities. Therefore, the Bank has a
seleksi mitra usaha yang ketat untuk memastikan bahwa Bank strict business partner selection process to ensure that the Bank
hanya bekerja dengan mitra usaha yang mematuhi undang- only works with business partners that comply with the applicable
undang dan peraturan yang berlaku. Proses ini membantu Bank laws and regulations. This process helps the Bank to maintain
untuk mempertahankan standar kualitas yang tinggi di seluruh high quality standards throughout the Bank’s operations.
operasi Bank.
Dengan bekerja sama dengan mitra usaha yang memiliki nilai dan By cooperating with business partners who share the same values
komitmen yang sama dengan Bank, Bank membangun jaringan and commitments as the Bank, the Bank builds a network of
mitra yang dapat membantu Bank mencapai tujuan keberlanjutan partners to help the Bank achieve its sustainability goals while
sambil memberikan layanan berkualitas tertinggi kepada nasabah. providing the highest quality services to customers.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 429
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Tanggung Jawab Sosial dan Lingkungan Hidup
Corporate Social and Environmental Responsibility
Keberlanjutan Kinerja Lingkungan Hidup
Environmental Performance Sustainability
Kegiatan Usaha Berwawasan Lingkungan Environmentally-Friendly Business Activities
Bank Victoria terus mendukung pencapaian SDGs di Indonesia Bank Victoria continues to support the SDGs achievement in
melalui penyaluran kredit kepada kegiatan usaha yang Indonesia by lending to sustainable business activities. The main
berkelanjutan. Pertimbangan utama dalam memberikan kredit consideration in providing loans is by considering direct and
adalah memperhatikan dampak langsung dan tidak langsung indirect impact on economic, social, and environmental aspects
terhadap keberlanjutan ekonomi, sosial, dan lingkungan dari of sustainability from the financing. Therefore, the Bank has
penggunaan kredit. Oleh karena itu, Bank telah memetakan mapped out the funded business groups and designed policies
kelompok usaha yang didanai dan merancang kebijakan terkait related to such lending.
penyaluran kredit tersebut.
Pembiayaan dengan Pertimbangan Aspek Financing by Considering the Environmental
Lingkungan Hidup Aspect
Bank mewajibkan kepemilikan dokumen Analisis Mengenai The Bank requires ownership of Environmental Impact Analysis
Dampak Lingkungan Hidup (AMDAL) bagi (calon) debitur yang (AMDAL) document for (potential) debtor who manages land
mengelola lahan dengan luas 25 hektare atau lebih sebagai of 25 hectares or more as a requirement in applying loan.
syarat pengajuan kredit. Kebijakan ini mengacu pada Keputusan This policy refers to the Board of Directors’ Decision Letter
Direksi No. 025A/SK-DIR/09/23 tentang Standar Operasional No. 025A/SK-DIR/09/23 on Guidelines for Commercial and
Prosedur Perkreditan Commercial dan SME PT Bank Victoria Consumer Loans of PT Bank Victoria International Tbk. Through
International Tbk. Melalui AMDAL, Bank dapat menganalisis AMDAL, the Bank can analyze the environmental impact of
dampak lingkungan dari kegiatan usaha debitur, memastikan the debtor’s business activities, ensure the sustainability, and
keberlanjutan, dan menentukan pemberian kredit kepada (calon) determine loan provision to (potential) debtor fulfilling the
debitur yang memenuhi persyaratan. Informasi penyaluran kredit requirements. Information regarding lending with due observance
dengan pertimbangan aspek lingkungan hidup selama 3 (tiga) of the environmental aspect for the past 3 (three) years is shown
tahun terakhir ditunjukkan sebagai berikut: below:
(dalam juta Rupiah / in million Rupiah)
Debitur
2023 2022 2021
Debtor
PT Perkebunan Nusantara III - 210,787 235,000
PT Ungaran Sari Garment 59,269 82,435 98,647
PT Lamipak Primula Ind - 19,367 19,625
PT IGP International 81,667 89,257 69,140
PT Nada Surya Tunggal - 24,702 24,749
PT Paberik Tekstil Kasrie - 8,000 16,000
PT Pratama Unggul S 23,233 9,920 8,867
PT Kwala Gunung 118,921 146,433 130,659
PT Sweet Greens Indonesia 47,783 11,482 -
PT Mitra Niaga Cornindo 21,753 23,952 -
PT Mitra Sewatama Raya 11,871 59,534 -
PT Gaharu 68,541 77,106 -
PT Bina Mitra Makmur 137,376 - -
430 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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(dalam juta Rupiah / in million Rupiah)
Debitur
2023 2022 2021
Debtor
PT Samudera Parama Avirodha 28,889 31,972 -
Henry Maknawi 23,928 - -
Total 623,231 794,947 602,687
Penggunaan Material yang Ramah Lingkungan Use of Environmentally Friendly Material
[POJK F.5] [POJK F.5]
Kegiatan operasional Bank Victoria tidak banyak menggunakan The operational activities of Bank Victoria do not use many raw
bahan baku, selain untuk keperluan administrasi dan perkantoran. materials, other than for administrative and office purposes.
Meskipun demikian, Bank tetap menaruh pertimbangan pada However, the Bank continues to pay attention to the use of
penggunaan material yang ramah lingkungan dari peralatan dan environmentally friendly materials in office equipment and
perlengkapan kantor. Bank pun mendorong seluruh karyawan supplies. The Bank also encourages all employees to reduce the
untuk mengurangi penggunaan material sekali pakai yang tidak use of single-use materials unable to be recycled as an effort to
dapat didaur ulang sebagai salah satu upaya untuk mengurangi reduce the waste volume piled up in final landfills. To support this
volume timbunan sampah di tempat pembuangan akhir. Untuk campaign, the Bank carries out programs:
mendukung kampanye ini, Bank melakukan program-program:
1. Mengganti penyediaan air minum kemasan dengan 1. Replacing the provision of bottled drinking water by providing
menyediakan gelas/tumbler; glasses/tumblers;
2. Memakai kertas bekas sesuai kebutuhan dan memaksimalkan 2. Using used paper as needed and maximizing storage of
penyimpanan dokumen dalam bentuk soft copy; dan documents in the form of soft copies;
3. Menggunakan program kantong/goodie bag ramah 3. Using environmentally friendly bag/goodie bag program in
lingkungan dalam berbagai kegiatan acara maupun sebagai various event activities and as merchandise/promotional
merchandise/barang promosi ke nasabah; items to customers;
Efisiensi Penggunaan Energi [POJK F.6] [POJK F.7] Using Energy Efficiently [POJK F.6] [POJK F.7]
Energi yang digunakan oleh Bank Victoria untuk mendukung Energy used by Bank Victoria to support its operations consists of
operasionalnya terdiri dari listrik dan bahan bakar minyak. Listrik electricity and fuel oil. Electricity is used for electronic equipment,
digunakan untuk peralatan elektronik, pendingin ruangan, air conditioning, lighting, and elevator needs. Meanwhile, fuel oil
penerangan, dan kebutuhan lift. Sementara itu, bahan bakar is used for operational vehicles. Some efforts carried out to save
minyak digunakan untuk kendaraan operasional. Beberapa upaya energy are as follows:
penghematan energi yang dilakukan antara lain:
1. Mematikan peralatan elektronik, lampu dan AC yang sedang 1. Turn off electronic equipment, lights, and air conditioning
tidak digunakan; when not in use;
2. Menggunakan lampu Light Emitting Diode (LED) yang lebih 2. Use Light Emitting Diode (LED) lamps which are more energy
hemat energi; dan efficient; and
3. Mengurangi rapat secara tatap muka dan mengganti dengan 3. Reduce face-to-face meetings and replace them with online
rapat online untuk mengurangi penggunaan bahan bakar meetings to reduce the use of fuel for transportation.
alat transportasi;
Satuan
Uraian 2023 2022 2021 Description
Unit
Listrik GJ 4,774.83 4,442.55 4,459.18 Electricity
BBM GJ 2,262.32 2,879.76 2,711.33 Fuel
Total GJ 7,037.15 7,322.31 7,170.51 Total
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 431
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Tanggung Jawab Sosial dan Lingkungan Hidup
Corporate Social and Environmental Responsibility
Satuan
Uraian 2023 2022 2021 Description
Unit
GJ/Juta Rp Intensity of Energy Use to
Intensitas Penggunaan Energi 0.00383 0.00448 0.00479
GJ/Million Rp Operating Income
GJ/Juta Rp
Capaian Efisiensi Energi 0.00064 0.00031 0.00061 Achievement of Energy Efficiency
GJ/Million Rp
Hingga tahun 2023, Bank belum menggunakan energi terbarukan. Until 2023, the Bank did not use any renewable energy.
Efisiensi Penggunaan Air [POJK F.8] Using Water Efficiently [POJK F.8]
Bank Victoria menggunakan air untuk kepentingan kantor seperti Bank Victoria uses water for office purpose such as sanitation
kebutuhan sanitasi dan rumah tangga kantor. Air yang digunakan needs and office household. The water used by the Bank comes
Bank bersumber dari air dari Perusahaan Daerah Air Minum (PDAM). from water from the Regional Drinking Water Company (PDAM).
Beberapa upaya penghematan air yang dilakukan antara lain: Some efforts carried out to save water include:
1. Menggunakan sensor keran otomatis untuk penggunaan air 1. Using automatic faucet sensor for efficient use of water;
secara efisien;
2. Meningkatkan kesadaran seluruh karyawan akan pentingnya 2. Increasing awareness of all employees on the importance of
bijak dalam penggunaan air melalui brosur atau imbauan being wise in the use of water through brochures or appeals
yang telah dibuat di beberapa titik sumber air (keran air); that have been made at several points of water sources
3. Melakukan pengecekan secara berkala terhadap kondisi (water taps);
keran, shower, toilet, dan meteran air, sehingga apabila ada 3. Regularly checking the condition of taps, showers, toilets,
kerusakan, dapat dihindari terjadinya kebocoran yang dapat and water meters, so that if there is damage, leaks which can
membuang-buang air. waste water can be avoided.
Informasi terkait penggunaan air dalam 3 (tiga) tahun terakhir Information on water usage in the past 3 (three) years is disclosed
diungkapkan sebagai berikut: as follows:
Satuan
Uraian 2023 2022 2021 Description
Unit
Air m3 18,746.74 5,494.06 5,756.90 Water
Intensitas Penggunaan Air terhadap m3/Juta Rp Intensity of Water Use to
0.01021 0.00336 0.00384
Pendapatan Operasional m3/Million Rp Operating Income
m3/Juta Rp
Capaian Penghematan Air (0.00685) 0.00048 0.00070 Achievement of Water Saving
m3/Million Rp
Pengelolaan Limbah [POJK F.13] [POJK F.14] [POJK F.15] Waste Management [POJK F.13] [POJK F.14] [POJK F.15]
Sebagai perusahaan yang berkomitmen pada kelestarian As a company committed to environmental sustainability, the
lingkungan, Bank berupaya maksimal dalam mengurangi Bank makes its utmost efforts to reduce waste production by
produksi limbah dengan menerapkan prinsip 3R, yaitu reduce, implementing 3R principles, namely reduce, reuse, and recycle.
reuse, dan recycle. Limbah yang dihasilkan Bank merupakan The waste generated by the Bank is domestic waste, most of
limbah domestik, yang sebagian besar diantaranya berupa limbah which is paper waste. In addition, the Bank does not produce
kertas. Selain itu, Bank tidak menghasilkan limbah yang termasuk waste which includes hazardous and toxic waste (B3). The waste
bahan berbahaya dan beracun (B3). Bank juga tidak melakukan processing is also not carried out by the Bank independently, but
pengolahan limbah secara mandiri, melainkan dilakukan oleh rather carried out by the building management
pihak pengelola gedung.
432 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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Berikut informasi penggunaan kertas Bank Victoria dalam 3 (tiga) Information of Bank Victoria’s paper use in the past 3 (three)
tahun terakhir: years is as follows:
Satuan
Uraian 2023 2022 2021 Description
Unit
Rim 1,935 1,703 1,847
Jumlah Kertas Terpakai Total Paper Used
Box 220 169 122
Rim 232 (144) 316
Pengurangan Penggunaan Kertas Reduced Paper Use
Box 51 (47) 143
Biaya Pengadaan Kertas Rp 134,935,301 125,015,266 102,428,820 Paper Procurement Cost
Namun demikian, Bank belum melakukan daur ulang limbah di However, the Bank has not yet recycled waste in 2023.
tahun 2023.
Tumpahan yang Terjadi Spills
Sepanjang tahun 2023, tidak terdapat tumpahan limbah yang Throughout 2023, there were no waste spills caused by the Bank
terjadi yang disebabkan oleh aktivitas Bank. activities.
Keanekaragaman Hayati [POJK F.9] [POJK F.10] Biodiversity [POJK F.9] [POJK F.10]
Bank mendukung ruang terbuka hijau di lingkungan operasional The Bank supports green open space in the Bank’s operational
Bank, seperti melakukan penempatan pot tanaman di sekitar environment, such as placing plant pots around the Bank’s
kantor Bank dan bekerja sama dengan pengelola gedung. Untuk offices and cooperating with building managers. To support
mendukung keanekaragaman hayati, dilakukan penanaman dan biodiversity, planting and maintenance of plants is carried out in
pemeliharaan tanaman secara berkelanjutan. Selain itu, wilayah a sustainable manner. In addition, the Bank’s operational areas
operasional Bank tidak berada pada lokasi yang berdekatan are not located near or in contact with protected areas or regions
atau bersinggungan dengan area yang dilindungi maupun with high biodiversity. Thus, the Bank’s operations do not have
kawasan yang memiliki keanekaragaman hayati tinggi. Dengan any negative impact on biodiversity.
demikian, operasional Bank tidak berdampak negatif terhadap
keanekaragaman hayati.
Pengendalian Emisi [POJK F.11] [POJK F.12] Emission Control [POJK F.11] [POJK F.12]
Bank menghasilkan emisi dari energi yang digunakan. Untuk The Bank produces emissions from the energy used. To see the
melihat dampaknya terhadap lingkungan, pengukuran berkala impact on the environment, periodic measurements are carried
dilakukan sehingga dapat dipertimbangkan upaya pengurangan out so that emission reduction efforts can be considered. To
emisi yang akan dilakukan. Untuk mengurangi emisi, Bank reduce emissions, the Bank seeks to carry out various initiatives
berupaya melakukan berbagai inisiatif dengan cara: by:
1. Penempatan tanaman hias di berbagai area Bank untuk 1. Planting trees and ornamental plants in various areas of the
meningkatkan oksigen dan menyerap debu; Bank to increase oxygen and absorb dust;
2. Penghematan penggunaan energi listrik; dan 2. Saving electrical energy use; and
3. Pengurangan perjalanan dinas dengan memaksimalkan 3. Reducing business trip by maximizing online meetings and
pertemuan secara daring dan memaksimalkan efektivitas maximizing the effectiveness of vehicle use, especially for
penggunaan kendaraan, khususnya untuk perjalanan dinas business trip out of town.
ke luar kota.
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Tanggung Jawab Sosial dan Lingkungan Hidup
Corporate Social and Environmental Responsibility
Informasi emisi yang dihasilkan di Bank ditunjukkan sebagai Information on emissions generated at the Bank is shown as
berikut: follows:
Satuan
Uraian 2023 2022 2021 Description
Unit
Listrik TonCO2eq 1,246.76 1,160.00 1,164.34 Electricity
BBM TonCO2eq 151.70 193.10 181.80 Fuel
Total Emisi TonCO2eq 1,398.46 1,353.10 1,346.14 Total Emissions
TonCO2eq/
Juta Rp
Intensitas Emisi 0.00076 0.00083 0.00090 Emission Intensity
TonCO2eq/
Million Rp
TonCO2eq/
Juta Rp
Capaian Efisiensi Emisi 0.00007 0.00007 0.00003 Achievement of Emission Effi-ciency
TonCO2eq/
Million Rp
Sarana Pengaduan terkait Masalah Lingkungan Complaint Channel Related to Environmental
[POJK F.16] Issue [POJK F.16]
Pada tahun 2023, Bank belum menyediakan sarana pelaporan In 2023, the Bank had not yet provided complaint channel related
pengaduan terkait masalah lingkungan mengingat kegiatan to environmental issues, considering that business activities
usaha yang dijalankan tidak berkaitan langsung dengan are not directly related to the environment. Nevertheless,
lingkungan hidup. Namun demikian, pemangku kepentingan stakeholders can submit complaints through email, call center,
dapat menyampaikan pengaduan apabila kegiatan Bank Bank website, or Bank social media, in the event that the Bank’s
mengganggu lingkungan hidup melalui email, call center, situs activities disrupt the environment.
web Bank, ataupun media sosial Bank.
Hingga 3 (tiga) tahun terakhir, Bank tidak menerima pengaduan Until the last 3 (three) years, the Bank has not received any
terkait lingkungan hidup. complaints related to the environment.
Biaya Lingkungan Hidup [POJK F.4] Environmental Costs [POJK F.4]
Bank belum secara spesifik melakukan pembiayaan untuk The Bank has not specifically financed environmental management
kegiatan pengelolaan lingkungan hidup. Biaya pengelolaan activities. The Bank’s environmental management costs are an
lingkungan hidup Bank merupakan bagian yang tidak terpisahkan integral part of the Bank’s operational costs.
dari biaya operasional Bank.
434 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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INDEKS PENGUNGKAPAN KRITERIA POJK
NO. 51/POJK.03/2017 [G.4]
POJK Criteria Disclosure Index No. 51/POJK.03/2017
No. Indeks Nama Indeks Halaman
No. Index Index Name Page
STRATEGI KEBERLANJUTAN
SUSTAINABILITY STRATEGY
Penjelasan Strategi Keberlanjutan
A.1 4
Explanation of Sustainability Strategy
IKHTISAR KINERJA ASPEK KEBERLANJUTAN
PERFORMANCE HIGHLIGHTS OF SUSTAINABILITY ASPECTS
Aspek Ekonomi
B.1 16
Economic Aspects
Aspek Lingkungan Hidup
B.2 19
Environmental Aspects
Aspek Sosial
B.3 19
Social Aspects
PROFIL PERUSAHAAN
COMPANY PROFILE
Visi, Misi, dan Nilai Keberlanjutan
C.1 58
Vision, Mission, and Sustainability Value
Alamat Perusahaan
C.2 54
Company Address
Skala Usaha 64; 88;
C.3
Business Scale 122; 406
Produk, Layanan, dan Kegiatan Usaha yang Dijalankan
C.4 61; 62
Products, Services, and Business Activities
Keanggotaan pada Asosiasi
C.5 70
Membership in Association
Perubahan Emiten dan Perusahaan Publik yang bersifat Signifikan
C.6 55
Significant Changes in Issuers and Public Companies
PENJELASAN DIREKSI
EXPLANATION FROM THE BOARD OF DIRECTORS
Penjelasan Direksi
D.1 40
Explanation from the Board of Directors
TATA KELOLA KEBERLANJUTAN
SUSTAINABILITY GOVERNANCE
Penanggung Jawab Penerapan Keuangan Berkelanjutan
E.1 389
Person in Charge of Sustainable Finance Implementation
Pengembangan Kompetensi terkait Keuangan Berkelanjutan
E.2 390
Competence Development related to Sustainable Finance
Penilaian Risiko atas Penerapan Keuangan Berkelanjutan
E.3 391
Risk Assessment of Sustainable Finance Implementation
Hubungan dengan Pemangku Kepentingan
E.4 9
Relations with Stakeholders
Permasalahan terhadap Penerapan Keuangan Berkelanjutan
E.5 6-8
Problems in Sustainable Finance Implementation
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 435
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No. Indeks Nama Indeks Halaman
No. Index Index Name Page
KINERJA KEBERLANJUTAN
SUSTAINABILITY PERFORMANCE
248; 255;
Kegiatan Membangun Budaya Keberlanjutan 258; 259;
F.1
Building a Sustainability Culture 262; 263;
264; 265
KINERJA EKONOMI
ECONOMIC PERFORMANCE
Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Investasi, Pendapatan dan Laba Rugi
F.2 Comparison of Targets and Performance of Production, Portfolios, Financing Targets, or Investments, Income and Profit 391
and Loss
Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi pada Instrumen Keuangan atau Proyek
yang Sejalan dengan Keuangan Berkelanjutan
F.3 391
Comparison of Targets and Performance of Portfolio, Financing Targets, or Investments on Financial Instruments or
Projects in Line with Sustainable Finance
KINERJA LINGKUNGAN HIDUP
ENVIRONMENTAL PERFORMANCE
Aspek Umum
General Aspect
Biaya Lingkungan Hidup
F.4 418
Environmental Costs
Aspek Material
Material Aspect
Penggunaan Material yang Ramah Lingkungan
F.5 415
Use of Environmentally Friendly Material
ASPEK ENERGI
ENERGY ASPECT
Jumlah dan Intensitas Energi yang Digunakan
F.6 415-416
Amount and Intensity of Energy Consumed
Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan
F.7 415
Efforts and Achievement of Energy Efficiency and Renewable Energy Consumed
Aspek Air
Water Aspect
Penggunaan Air
F.8 416
Water Consumption
Aspek Keanekaragaman Hayati
Biodiversity Aspect
Dampak dari Wilayah Operasional yang Dekat atau Berada di Daerah Konservasi atau Memiliki Keanekaragaman Hayati
F.9 417
Impact of Operational Areas Adjacent to or in Conservation Areas or Areas with Biodiversity
Usaha Konservasi Keanekaragaman Hayati
F.10 417
Biodiversity Conservation Effort
Aspek Emisi
Emission Aspect
Jumlah dan Intensitas Emisi yang Dihasilkan berdasarkan Jenisnya
F.11 418
Amount and Intensity of Emissions Generated by Type
Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan
F.12 417
Efforts and Achievements of Emission Reduction Implemented
Aspek Limbah dan Efluen
Waste and Effluent Aspect
Jumlah Limbah dan Efluen yang Dihasilkan berdasarkan Jenis
F.13 417
Amount of Waste and Effluent Generated by Type
Mekanisme Pengelolaan Limbah dan Efluen
F.14 416
Waste and Effluent Management Mechanisms
Tumpahan yang Terjadi (jika ada)
F.15 417
Spills (if any)
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No. Indeks Nama Indeks Halaman
No. Index Index Name Page
Aspek Pengaduan terkait Lingkungan Hidup
Aspect of Complaints Related to the Environment Aspect of Complaints Related to the Environment
Jumlah dan Materi Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan
F.16 418
Number and Material of Environmental Complaints Received and Resolved
KINERJA SOSIAL
SOCIAL PERFORMANCE
Komitmen untuk Memberikan Layanan atas Produk dan/atau Jasa yang Setara kepada Pelanggan
F.17 396
Commitment to Providing Equal Products and/or Services to Customers
Aspek Ketenagakerjaan
Employment Aspect
Kesetaraan Kesempatan Bekerja
F.18 402
Equal Employment Opportunity
Tenaga Kerja Anak dan Tenaga Kerja Paksa
F.19 401
Child Labor and Forced Labor
Upah Minimum Regional
F.20 407
Regional Minimum Wage
Lingkungan Bekerja yang Layak dan Aman
F.21 410
Decent and Safe Work Environment
Pelatihan dan Pengembangan Kemampuan Pegawai
F.22 403
Employee Training and Development
Aspek Masyarakat
Community Aspect
Dampak Operasi terhadap Masyarakat Sekitar
F.23 413
Impact of Operations on Surrounding Community
Pengaduan Masyarakat
F.24 413
Community Complaints
Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL)
F.25 412
Environmental Social Responsibility Activities
TANGGUNG JAWAB PENGEMBANGAN PRODUK/JASA BERKELANJUTAN
RESPONSIBILITY FOR SUSTAINABLE PRODUCT/SERVICE DEVELOPMENT
Inovasi dan Pengembangan Produk/Jasa Keuangan Berkelanjutan
F.26 397
Sustainable Finance Products/Services Innovation and Development
Produk/Jasa yang Sudah Dievaluasi Keamanannya bagi Pelanggan
F.27 399
Products/Services with Evaluated Customer Safety
Dampak Produk/Jasa
F.28 396
Impacts of Products/Services
Jumlah Produk yang Ditarik Kembali
F.29 399
Number of Products Recalled
Survei Kepuasan Pelanggan terhadap Produk dan/atau Jasa Keuangan Berkelanjutan
F.30 399
Customer Satisfaction Survey on Sustainable Finance Products and/or Services
LAIN-LAIN
MISCELLANEOUS
Verifikasi Tertulis dari Pihak Independen (jika ada)
G.1 422
Written Verification from Independent Party (if any)
Lembar Umpan Balik
G.2 423
Feedback Form
Tanggapan terhadap Umpan Balik Laporan Tahun Sebelumnya
G.3 422
Responses to Previous Year’s Report Feedback
Daftar Pengungkapan sesuai Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017 tentang Penerapan Keuangan
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik.
G.4 425
List of Disclosures According to Financial Services Authority Regulation No. 51/POJK.03/2017 on Implementation of
Sustainable Finance for Financial Services Institutions, Issuers, and Public Companies.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 437
Page 440
TANGGAPAN TERHADAP UMPAN BALIK LAPORAN TAHUN SEBELUMNYA [G.3] Responses to Previous Year’s Report Feedback Bank Victoria tidak menerima tanggapan dan umpan balik Bank Victoria did not receive any responses and feedback to the terhadap Laporan Keberlanjutan Tahun 2022. Namun demikian, 2022 Sustainability Report. Nevertheless, Bank Victoria strives to Bank Victoria berupaya untuk menyempurnakan isi Laporan refine the contents of the 2023 Sustainability Report pursuant to Keberlanjutan Tahun 2023 sesuai dengan kinerja keberlanjutan sustainability performance during the reporting year. selama tahun pelaporan. VERIFIKASI TERTULIS DARI PIHAK INDEPENDEN [POJK.G.1] WRITTEN VERIFICATION FROM INDEPENDENT PARTY Laporan Keberlanjutan ini tidak dilakukan verifikasi oleh penyedia This Sustainability Report has not been verified by an external jasa assurance eksternal. Namun demikian, Bank menjamin assurance service provider. Nonetheless, the Bank guarantees bahwa seluruh informasi yang disampaikan dalam laporan ini that all information presented in this report is true, accurate, and adalah benar, akurat, dan faktual. factual. 438 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
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LEMBAR UMPAN BALIK [G.2]
Feedback Form
Setelah membaca Laporan Keberlanjutan PT Bank Victoria International Tbk, kami mohon kesediaan para pemangku kepentingan untuk
memberikan umpan balik dengan mengirim e-mail atau mengirim formulir ini melalui fax/pos.
After reading this Sustainability Report of PT Bank Victoria International Tbk, we would like to ask all stakeholders to kindly provide feedback by
sending e-mail or sending this form by fax/mail.
Pertanyaan Setuju Tidak Setuju
Questions Agree Disagree
Laporan ini telah memberikan informasi yang bermanfaat mengenai kinerja ekonomi, sosial, dan lingkungan perusahaan.
….. …..
This report has provided useful information on economic, social, and environmental performance of the company.
Data dan informasi yang diungkapkan mudah dipahami, lengkap, transparan, dan berimbang.
….. …..
Data and information disclosed are easy to understand, complete, transparent, and balanced.
Data dan informasi yang disajikan berguna dalam pengambilan keputusan.
….. …..
Data and information presented are useful for making decision.
Laporan ini menarik dan mudah dibaca.
This report is interesting and easy to read.
….. …..
Mohon berikan nilai mengenai aspek yang terdapat dalam laporan ini (nilai 1 = paling penting, 2 = penting, 3 = tidak penting, 4 = sangat tidak penting).
Please score on aspects presented in this report (1 = most important, 2 = important, 3 = less important, 4 = least important).
Kinerja Ekonomi Anti-Fraud
Economic Performance Anti-Fraud
Pinjaman UMKM Privasi Nasabah
MSME Loans Customer Privacy
Pemberian Kredit dengan Pertimbangan Aspek Lingkungan Penggunaan Energi
Providing Loans with the Consideration of Environmental Aspects Energy Consumption
Kesetaraan Gender dan Kesempatan Kerja yang Adil Penggunaan Air
Gender Equality and Fair Job Opportunity Water Consumption
Pelatihan dan Pendidikan Pengelolaan Limbah
Training and Education Waste Treatment
Kesehatan dan Keselamatan Kerja Pengembangan Masyarakat
Occupational Health and Safety Community Development
Mohon berikan komentar/saran/usulan bagi laporan ini.
Please provide your comments/suggestions/ideas for this report.
……………………………………………………………………………………………………………………………………………………………………………………………….…………………………………………………
……………………………………………………………………………………………………………………………………………………………………………………………….…………………………………………………
……………………………………………………………………………………………………………………………………………………………………………………………….…………………………………………………
Profil Anda / Your Profile
Nama / Name : ....................................................................................................................................................................
Pekerjaan / Occupation : ....................................................................................................................................................................
Institusi/Perusahaan / Institution/Company : ....................................................................................................................................................................
Kontak (telepon, e-mail) Contact (telephone, e-mail) : ....................................................................................................................................................................
Kategori Pemangku Kepentingan / Category of Stakeholder
Pemerintah Nasabah Karyawan Mitra Usaha
Government Customer Employees Business Partners
Masyarakat LSM Lain-Lain, ….
Media
Community NGO Others, ….
Saran dan tanggapan yang Anda berikan atas informasi yang disajikan dalam laporan ini mohon dikirimkan kepada:
Please send your suggestion and response to the information presented in this report to:
Kantor Pusat Bank Victoria T : (021) 522 8888
Gedung Graha BIP Lt. 10 F : (021) 522 8777
Jl. Gatot Subroto Kav. 23 Call Center : 15009 77
Jakarta Selatan 12930 W : www.victoriabank.co.id
E : corsec@victoriabank.co.id
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Kriteria Penyampaian Laporan Tahunan
berdasarkan SEOJK No. 16/SEOJK.04/2021
Criteria for Annual Report Submission based on SEOJK
No. 16/SEOJK.04/2021
Kriteria Penjelasan Halaman
Criteria Explanation Page
Ketentuan Umum / General Provisions
Laporan Tahunan disajikan dalam bentuk dokumen cetak dan dokumen elektronik.
The Annual Report is presented in the form of printed documents and electronic documents.
Laporan Tahunan yang disajikan dalam bentuk dokumen cetak, dicetak pada kertas yang berwarna terang, berkualitas baik, berukuran A4,
dijilid, dan dapat diperbanyak dengan kualitas yang baik.
The Annual Report is presented in hardcopy format, printed on bright colored paper, of good quality, A4 size, bound, and can be reproduced
in good quality.
Laporan Tahunan dapat menyajikan informasi berupa gambar, grafik, tabel, dan/atau diagram dengan mencantumkan judul dan/atau
keterangan yang jelas, sehingga mudah dibaca dan dipahami.
The Annual Report can present information in the form of pictures, graphs, tables and/or diagrams by including clear titles and/or
descriptions, so that they are easy to read and understand.
Laporan Tahunan yang disajikan dalam bentuk dokumen elektronik merupakan Laporan Tahunan yang dikonversi dalam portable document
format (PDF).
The Annual Report presented in the form of an electronic document is an Annual Report that is converted in portable document format
(PDF).
Isi Laporan Tahunan / Annual Report Contents
Kilas Kinerja / Performance Highlights
Ikhtisar data keuangan penting memuat informasi keuangan Informasi memuat antara lain: 14
yang disajikan dalam bentuk perbandingan selama 3 (tiga) 1. Pendapatan/penjualan;
tahun buku atau sejak memulai usahanya jika Emiten atau 2. Laba bruto;
Perusahaan Publik tersebut menjalankan kegiatan usahanya 3. Laba (rugi);
kurang dari 3 (tiga) tahun. 4. Jumlah laba (rugi) yang dapat diatribusikan kepada pemilik entitas induk
Summary of important financial data contains financial dan kepentingan non pengendali;
information presented in comparative form for 3 (three) 5. Total laba (rugi) komprehensif;
financial years or since the business starts if the Issuer or 6. Jumlah laba (rugi) komprehensif yang dapat diatribusikan kepada
Public Company started its business in less than 3 (three) pemilik entitas induk dan kepentingan non-pengendali;
years ago. 7. Laba (rugi) per saham;
8. Jumlah aset;
9. Jumlah liabilitas;
10. Jumlah ekuitas;
11. Rasio laba (rugi) terhadap jumlah aset;
12. Rasio laba (rugi) terhadap ekuitas;
13. Rasio laba (rugi) terhadap pendapatan;
14. Rasio lancar;
15. Rasio liabilitas terhadap ekuitas;
16. Rasio liabilitas terhadap jumlah aset; dan
17. Informasi dan rasio keuangan lainnya yang relevan dengan perusahaan
dan jenis industrinya.
Information includes, among others:
1. Revenue/sales;
2. Gross profit;
3. Profit (loss);
4. Total profit (loss) attributable to owners of the parent entity and non-
controlling interests;
5. Total comprehensive profit (loss);
6. Total comprehensive profit (loss) attributable to owners of the parent
entity and non-controlling interests;
7. Earnings (loss) per share;
8. Total assets;
9. Total liabilities;
10. Total equity;
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Kriteria Penjelasan Halaman
Criteria Explanation Page
11. Profit (loss) to total assets ratio;
12. Profit (loss) to equity ratio;
13. Profit (loss) to revenue ratio;
14. Current ratio;
15. Liabilities to equity ratio;
16. Liabilities to total assets ratio; and
17. Information and other financial ratios that are relevant to the company
and the type of industry.
Informasi Saham Informasi saham bagi Perusahaan Terbuka paling sedikit memuat: 20
Share Information 1. Saham yang telah diterbitkan untuk setiap masa triwulan yang disajikan
dalam bentuk perbandingan selama 2 (dua) tahun buku terakhir, paling
sedikit memuat:
a. Jumlah saham yang beredar;
b. Kapitalisasi pasar berdasarkan harga pada bursa efek tempat saham
dicatatkan;
c. Harga saham tertinggi, terendah, dan penutupan berdasarkan harga
pada bursa efek tempat saham dicatatkan; dan
d. Volume perdagangan pada bursa efek tempat saham dicatatkan.
Informasi dalam huruf b), huruf c) dan huruf d) hanya diungkapkan jika
sahamnya tercatat di bursa efek;
2. Dalam hal terjadi aksi korporasi yang menyebabkan terjadinya perubahan
pada saham, seperti pemecahan saham (stock split), penggabungan
saham (reverse stock), dividen saham, saham bonus, perubahan nilai
nominal saham, penerbitan efek konversi, serta penambahan dan
pengurangan modal, informasi saham sebagaimana dimaksud pada
angka 1) ditambahkan penjelasan paling sedikit mengenai:
a. Tanggal pelaksanaan aksi korporasi;
b. Rasio pemecahan saham (stock split), penggabungan saham (reverse
stock), dividen saham, saham bonus, jumlah efek konversi yang
diterbitkan, dan perubahan nilai nominal saham;
c. Jumlah saham beredar sebelum dan sesudah aksi korporasi;
d. Jumlah efek konversi yang dilaksanakan (jika ada); dan
e. Harga saham sebelum dan sesudah aksi korporasi;
3. Dalam hal terjadi penghentian sementara perdagangan saham
(suspension) dan/atau pembatalan pencatatan saham (delisting) dalam
tahun buku, dijelaskan alas an penghentian sementara perdagangan
saham (suspension) dan/atau pembatalan pencatatan saham (delisting)
tersebut; dan
4. Dalam hal penghentian sementara perdagangan saham (suspension)
sebagaimana dimaksud pada angka 3) dan/atau proses pembatalan
pencatatan saham (delisting) masih berlangsung hingga akhir periode
laporan tahunan, dijelaskan tindakan yang dilakukan untuk menyelesaikan
penghentian sementara perdagangan saham (suspension) dan/atau
pembatalan pencatatan saham (delisting) tersebut.
Information on shares for Public Companies at least contains:
1. Shares that have been issued for each quarter, presented in comparative
form for the last 2 (two) financial years, at least contain:
a. Number of outstanding shares;
b. Market capitalization based on the price on the stock exchange where
the shares are listed;
c. The highest, lowest, and closing share prices based on the price on the
stock exchange where the shares are listed; and
d. Trading volume on the stock exchange where the shares are listed.
Information in letter b), letter c) and letter d) is only disclosed if the
shares are listed on the stock exchange;
2. In the event of a corporate action causing a change in shares, such as
stock split, reverse stock, share dividends, bonus shares, changes in the
nominal value of shares, issuance of convertible securities, as well as
capital increase and decrease, share information as referred to in number
1) shall be added with an explanation of at least:
a. The corporate action execution date;
b. Ratio of stock split, reverse stock, stock dividends, bonus shares,
number of convertible securities issued, and changes in share par
value;
c. The number of outstanding shares before and after the corporate
action;
d. The number of convertible securities executed (if any); and
e. Share prices before and after corporate actions;
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Kriteria Penjelasan Halaman
Criteria Explanation Page
3. In the event of temporary suspension of share trading and/or delisting of
share in the financial year, the reasons for the temporary suspension of
share trading and/or delisting of share must be explained; and
4. In the event of temporary suspension of share trading as referred to in
number 3) and/or the process of delisting of shares is still ongoing at
the end of the annual report period, the actions taken to resolve the
temporary suspension of share trading and/or delisting of share must be
explained.
Laporan Direksi dan Dewan Komisaris / Report of the Board of Directors and Board of Commissioners
Laporan Direksi Laporan Direksi paling sedikit memuat uraian singkat mengenai: 40
Board of Directors’ Report 1. Kinerja Emiten atau Perusahaan Publik, paling sedikit memuat:
a. Strategi dan kebijakan strategis Emiten atau Perusahaan Publik;
b. Peranan Direksi dalam perumusan strategi dan kebijakan strategis
Emiten atau Perusahaan Publik;
c. Proses yang dilakukan Direksi untuk memastikan implementasi
strategi Emiten atau Perusahaan Publik;
d. Perbandingan antara hasil yang dicapai dengan yang ditargetkan
Emiten atau Perusahaan Publik; dan
e. Kendala yang dihadapi Emiten atau Perusahaan Publik;
2. Gambaran tentang prospek usaha Emiten atau Perusahaan Publik; dan
3. Penerapan tata kelola Emiten atau Perusahaan Publik.
The Board of Directors’ report contains at least a brief description of:
1. Performance of Issuers or Public Companies, at least includes:
a. Issuer’s or Public Company’s strategy and strategic policies;
b. The role of the Board of Directors in formulating the strategy and
strategic policies of the Issuer or Public Company;
c. The process carried out by the Board of Directors to ensure the
implementation of the Issuer’s or Public Company’s strategy;
d. Comparison between the results achieved and those targeted by the
Issuer or Public Company; and
e. Obstacles faced by Issuers or Public Companies;
2. An overview of the business prospects of the Issuer or Public Company;
and
3. Implementation of Issuer or Public Company governance.
Laporan Dewan Komisaris Laporan Dewan Komisaris paling sedikit memuat uraian singkat mengenai: 32
Board of Commissioners’ Report 1. Penilaian terhadap kinerja Direksi mengenai pengelolaan Emiten atau
Perusahaan Publik, termasuk pengawasan Dewan Komisaris dalam
perumusan dan implementasi strategi Emiten atau Perusahaan Publik
yang dilakukan oleh Direksi;
2. Pandangan atas prospek usaha Emiten atau Perusahaan Publik yang
disusun oleh Direksi; dan
3. Pandangan atas penerapan tata kelola Emiten atau Perusahaan Publik.
The Board of Commissioners’ report contains at least a brief description of:
1. Assessment of the Board of Directors’ performance regarding the
management of the Issuer or Public Company, including the Board of
Commissioners’ oversight in the formulation and implementation of
the Issuer’s or Public Company’s strategy carried out by the Board of
Directors;
2. Views on the business prospects of the Issuer or Public Company prepared
by the Board of Directors; and
3. Views on the implementation of governance of the Issuer or Public
Company.
Profil Perusahaan / Company Profile
1. Nama Emiten atau Perusahaan Publik termasuk apabila 54
terdapat perubahan nama, alasan perubahan, dan
tanggal efektif perubahan nama pada tahun buku.
Name of Issuer or Public Company including if there is a
name change, reasons for the change, and the effective
date of the name change in the financial year.
2. Akses terhadap Emiten atau Perusahaan Publik a. Alamat; 54
termasuk kantor cabang atau kantor perwakilan yang b. Nomor telepon;
memungkinkan masyarakat dapat memperoleh informasi c. Alamat surat elektronik; dan
mengenai Emiten atau Perusahaan Publik. d. Alamat situs web.
Access to Issuers or Public Companies including branch a. Address;
offices or representative offices that enable the public to b. Phone number;
obtain information about Issuers or Public Companies. c. Electronic mail address; and
d. Website address.
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Kriteria Penjelasan Halaman
Criteria Explanation Page
3. Riwayat singkat Emiten atau Perusahaan Publik. N/A
Brief history of Issuer or Public Company.
4. Visi dan misi Emiten atau Perusahaan Publik serta 58, 60
budaya perusahaan (corporate culture) atau nilai-nilai
perusahaan.
Issuer’s or Public Company’s vision and mission and
corporate culture or corporate values.
5. Kegiatan usaha menurut anggaran dasar terakhir, 61, 62
kegiatan usaha yang dijalankan pada tahun buku, serta
jenis barang dan/atau jasa yang dihasilkan.
Business activities according to the latest articles
of association, business activities carried out in the
financial year, and types of goods and/or services
produced.
6. Wilayah operasional Emiten atau Perusahaan Publik; 64, 66
wilayah operasional merupakan wilayah atau daerah
pelaksanaan kegiatan operasional atau jangkauan dari
kegiatan operasional perusahaan.
The operational area of the Issuer or Public Company;
operational area is the area or region where the
operational activities take place or the coverage area of
the company’s operational activities.
7. Struktur organisasi Emiten atau Perusahaan Publik 68
dalam bentuk bagan, paling sedikit sampai dengan
struktur 1 (satu) tingkat di bawah Direksi termasuk
komite di bawah Direksi (jika ada) dan komite di bawah
Dewan Komisaris, disertai dengan nama dan jabatan.
The organizational structure of the Issuer or Public
Company in the form of a chart, at least up to 1 (one)
level below the Board of Directors including committees
under the Board of Directors (if any) and committees
under the Board of Commissioners, accompanied by
names and positions.
8. Daftar keanggotaan asosiasi industri baik dalam skala 70
nasional maupun internasional yang berkaitan dengan
penerapan keuangan berkelanjutan.
List of industry association memberships both on
a national and international scale related to the
implementation of sustainable finance.
9. Profil Direksi. a. Nama dan jabatan yang sesuai dengan tugas dan tanggung jawab; 74
Board of Directors’ Profile. b. Foto terbaru;
c. Usia;
d. Kewarganegaraan;
e. Riwayat pendidikan dan/atau sertifikasi;
f. Riwayat jabatan, meliputi informasi:
1) Dasar hukum pengangkatan sebagai anggota Direksi pada Emiten atau
Perusahaan Publik yang bersangkutan;
2) Rangkap jabatan, baik sebagai anggota Direksi, anggota Dewan
Komisaris, dan/atau anggota komite serta jabatan lainnya baik di
dalam maupun di luar Emiten atau Perusahaan Publik. Dalam hal
anggota Direksi tidak memiliki rangkap jabatan, maka diungkapkan
mengenai hal tersebut; dan
3) Pengalaman kerja beserta periode waktunya baik di dalam maupun di
luar Emiten atau Perusahaan Publik;
g. Hubungan afiliasi dengan anggota Direksi lainnya, anggota Dewan
Komisaris, pemegang saham utama, dan pengendali baik langsung
maupun tidak langsung sampai kepada pemilik individu, meliputi nama
pihak yang terafiliasi. Dalam hal anggota Direksi tidak memiliki hubungan
afiliasi, maka Emiten atau Perusahaan Publik mengungkapkan hal
tersebut; dan
h. Perubahan komposisi anggota Direksi dan alasan perubahannya.
Dalam hal tidak terdapat perubahan komposisi anggota Direksi, maka
diungkapkan mengenai hal tersebut.
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Criteria Explanation Page
a. Name and position according to duties and responsibilities;
b. Latest photos;
c. Age;
d. Citizenship;
e. Educational history and/or certification;
f. Position history, including information on:
1) The legal basis of appointment as a member of the Board of Directors
of the Issuer or Public Company concerned;
2) Concurrent positions, as members of the Board of Directors, members
of the Board of Commissioners, and/or committee members as well
as other positions inside and outside the Issuer or Public Company.
In the event that members of the Board of Directors do not have
concurrent positions, then this shall be disclosed; and
3) Work experience and time period inside and outside the Issuer or
Public Company;
g. Affiliation with other members of the Board of Directors, members
of the Board of Commissioners, major and controlling shareholders,
either directly or indirectly up to individual owners, including names of
affiliated parties. In the event that members of the Board of Directors
have no affiliation, then the Issuer or Public Company shall disclose this
matter; and
h. Changes in the composition of members of the Board of Directors and
reasons for the changes. In the event that there is no change in the
composition of the members of the Board of Directors, this shall be
disclosed.
10. Profil Dewan Komisaris. a. Nama dan jabatan; 71
Board of Commissioners’ Profile. b. Foto terbaru;
c. Usia;
d. Kewarganegaraan;
e. Riwayat pendidikan dan/atau sertifikasi;
f. Riwayat jabatan, meliputi informasi:
1) Dasar hukum pengangkatan sebagai anggota dewan komisaris;
2) Dasar hukum pengangkatan pertama kali sebagai anggota dewan
komisaris yang merupakan komisaris independen pada emiten atau
perusahaan publik yang bersangkutan;
3) Rangkap jabatan, baik sebagai anggota dewan komisaris, anggota
direksi, dan/atau anggota komite serta jabatan lainnya baik di dalam
maupun di luar emiten atau perusahaan Publik. Dalam hal anggota
Dewan Komisaris tidak memiliki rangkap jabatan, maka diungkapkan
mengenai hal tersebut; dan
4) Pengalaman kerja beserta periode waktunya baik di dalam maupun di
luar Emiten atau Perusahaan Publik;
g. Hubungan afiliasi dengan anggota Dewan Komisaris lainnya, pemegang
saham utama, dan pengendali baik langsung maupun tidak langsung
sampai kepada pemilik individu, meliputi nama pihak yang terafiliasi;
Dalam hal anggota Dewan Komisaris tidak memiliki hubungan afiliasi,
maka Emiten atau Perusahaan Publik mengungkapkan hal tersebut;
h. Pernyataan independensi komisaris independent dalam hal komisaris
independen telah menjabat lebih dari 2 (dua) periode; dan
i. Perubahan komposisi anggota Dewan Komisaris dan alasan
perubahannya. Dalam hal tidak terdapat perubahan komposisi anggota
Dewan Komisaris, maka diungkapkan mengenai hal tersebut.
a. Name and position;
b. Latest photos;
c. Age;
d. Citizenship;
e. Educational history and/or certification;
f. Position history, including information on:
1) Legal basis of appointment as a member of the board of commissioners;
2) The legal basis for the first appointment as a member of the board of
commissioners who is an independent commissioner at the issuer or
public company concerned;
3) Concurrent positions, as members of the board of commissioners,
members of the board of directors, and/or committee members
as well as other positions inside and outside the issuer or public
company. In the event that members of the Board of Commissioners
do not have concurrent positions, then this shall be disclosed; and
4) Work experience and time period inside and outside the Issuer or
Public Company;
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Kriteria Penjelasan Halaman
Criteria Explanation Page
g. Affiliation with other members of the Board of Commissioners, major
and controlling shareholders, either directly or indirectly up to individual
owners, including names of affiliated parties; In the event that members
of the Board of Commissioners have no affiliation, the Issuer or Public
Company shall disclose this matter;
h. Statement of independency of the independent commissioner in the
event that the independent commissioner has served more than 2 (two)
periods; and
i. Changes in the composition of members of the Board of Commissioners
and reasons for changes. In the event that there is no change in the
composition of the members of the Board of Commissioners, this shall
be disclosed.
11. Dalam hal terdapat perubahan susunan anggota 73, 79
Direksi dan/atau anggota Dewan Komisaris yang terjadi
setelah tahun buku berakhir sampai dengan batas
waktu penyampaian Laporan Tahunan, susunan yang
dicantumkan dalam Laporan Tahunan adalah susunan
anggota Direksi dan/atau anggota Dewan Komisaris
yang terakhir dan sebelumnya.
In the event that there is a change in the composition of
members of the Board of Directors and/or members of
the Board of Commissioners that occurs after the end of
the financial year until the deadline for submitting the
Annual Report, the composition included in the Annual
Report is the last and previous composition of members
of the Board of Directors and/or members of the Board
of Commissioners.
12. Jumlah karyawan menurut jenis kelamin, jabatan, usia, Pengungkapan informasi dapat disajikan dalam bentuk tabel. 406
tingkat pendidikan, dan status ketenagakerjaan (tetap/ Disclosure of information can be presented in tabular form.
kontrak) dalam tahun buku.
Number of employees by gender, position, age,
educational level, and employment status (permanent/
contract) in the financial year.
13. Nama pemegang saham dan persentase kepemilikan a. Pemegang saham yang memiliki 5% (lima persen) atau lebih saham 88
pada awal dan akhir tahun buku. Emiten atau Perusahaan Publik;
Name of shareholder and ownership percentage at the b. Anggota Direksi dan anggota Dewan Komisaris yang memiliki saham
beginning and end of the financial year. Emiten atau Perusahaan Publik. Dalam hal seluruh anggota Direksi dan/
atau seluruh anggota Dewan Komisaris tidak memiliki saham, maka
diungkapkan mengenai hal tersebut; dan
c. Kelompok pemegang saham masyarakat, yaitu kelompok pemegang
saham yang masing-masing memiliki kurang dari 5% (lima persen) saham
Emiten atau Perusahaan Publik.
Informasi di atas dapat disajikan dalam bentuk tabel.
a. Shareholders who own 5% (five percent) or more shares of the Issuer or
Public Company;
b. Members of the Board of Directors and members of the Board of
Commissioners who own shares of Issuers or Public Companies. In the
event that all members of the Board of Directors and/or all members of
the Board of Commissioners do not own shares, this shall be disclosed; and
c. Group of public shareholders, namely groups of shareholders who each
own less than 5% (five percent) of the shares of the Issuer or Public
Company.
The above information can be presented in tabular form.
14. Persentase kepemilikan tidak langsung atas saham Dalam hal seluruh anggota Direksi dan/atau seluruh anggota Dewan 89
Emiten atau Perusahaan Publik oleh anggota Direksi dan Komisaris tidak memiliki kepemilikan tidak langsung atas saham Emiten
anggota Dewan Komisaris pada awal dan akhir tahun atau Perusahaan Publik, maka diungkapkan mengenai hal tersebut.
buku, termasuk informasi mengenai pemegang saham In the event that all members of the Board of Directors and/or all members
yang terdaftar dalam daftar pemegang saham untuk of the Board of Commissioners do not have indirect ownership of shares of
kepentingan kepemilikan tidak langsung anggota Direksi Issuer or Public Company, then this matter shall be disclosed.
dan anggota Dewan Komisaris.
Percentage of indirect ownership of Issuer or Public
Company shares by members of the Board of Directors
and members of the Board of Commissioners at the
beginning and end of the financial year, including
information regarding shareholders who are registered
in the shareholders register for the benefit of indirect
ownership by members of the Board of Directors and
members of the Board of Commissioners.
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15. Jumlah pemegang saham dan persentase kepemilikan a. Kepemilikan institusi lokal; 90
per akhir tahun buku berdasarkan klasifikasi: b. Kepemilikan institusi asing;
Number of shareholders and ownership percentage at c. Kepemilikan individu lokal; dan
the end of the financial year based on classification: d. Kepemilikan individu asing;
a. Ownership of local institutions;
b. Ownership of foreign institutions;
c. Ownership of local individuals; and
d. Ownership of foreign individuals;
16. Informasi mengenai pemegang saham utama dan 91
pengendali Emiten atau Perusahaan Publik, baik
langsung maupun tidak langsung, sampai kepada
pemilik individu, yang disajikan dalam bentuk skema
atau bagan.
Information regarding major and controlling
shareholders of Issuers or Public Companies, either
directly or indirectly, up to individual owners, presented
in the form of a schematic or chart.
17. Nama entitas anak, perusahaan asosiasi, perusahaan Untuk entitas anak, ditambahkan informasi mengenai alamat entitas anak 92
ventura bersama dimana Emiten atau Perusahaan tersebut.
Publik memiliki pengendalian bersama entitas (jika ada), For subsidiaries, information regarding the address of subsidiary is added.
beserta persentase kepemilikan saham, bidang usaha,
total aset, dan status operasi entitas anak, perusahaan
asosiasi, perusahaan ventura bersama.
Names of subsidiaries, associated companies, joint
venture companies where the Issuer or Public Company
has joint control of an entity (if any), along with share
ownership percentage, line of business, total assets, and
operating status of subsidiaries, associated companies,
joint venture companies.
18. Kronologis pencatatan saham, jumlah saham, nilai 93
nominal, dan harga penawaran dari awal pencatatan
hingga akhir tahun buku serta nama bursa efek di mana
saham Emiten atau Perusahaan Publik dicatatkan,
termasuk pemecahan saham (stock split), penggabungan
saham (reverse stock), dividen saham, saham bonus,
dan perubahan nilai nominal saham, pelaksanaan efek
konversi, pelaksanaan penambahan dan pengurangan
modal (jika ada);
Chronology of share listing, number of shares, nominal
value, and offering price from the beginning of listing to
the end of the financial year as well as the name of the
stock exchange where the Issuer’s or Public Company’s
shares are listed, including stock split, reverse stock,
share dividends, bonus shares, and changes in the
nominal value of shares, exercise of convertible
securities, capital increase and decrease (if any);
19. Informasi pencatatan efek lainnya selain efek 94
sebagaimana dimaksud pada angka 18), yang belum
jatuh tempo pada tahun buku paling sedikit memuat
nama efek, tahun penerbitan, tingkat suku bunga/
imbal hasil, tanggal jatuh tempo, nilai penawaran, dan
peringkat efek (jika ada).
Information on the listing of other securities besides
the securities referred to in number 18), which have not
yet matured in the financial year, at least contains the
name of the securities, year of issuance, interest/yield
rate, maturity date, offering price, and securities rating
(if any).
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20. Informasi penggunaan jasa akuntan publik (AP) dan a. Nama dan alamat; 97
kantor akuntan publik (KAP) beserta jaringan/asosiasi/ b. Periode penugasan;
aliansinya. c. Informasi jasa audit dan/atau non audit yang diberikan;
Information on the use of services from public d. Biaya jasa (fee) audit dan/atau non audit untuk masing-masing penugasan
accounting (AP) and public accounting firm (KAP) and yang diberikan selama tahun buku; dan
their networks/associations/alliances. e. Dalam hal AP dan KAP beserta jaringan/asosiasi/aliansinya, yang ditunjuk
tidak memberikan jasa non audit, maka diungkapkan mengenai informasi
tersebut.
Pengungkapan informasi penggunaan jasa AP dan KAP beserta jaringan/
asosiasi/aliansinya dapat disajikan dalam bentuk tabel.
a. Name and address;
b. Assignment period;
c. Information on audit and/or non-audit services provided;
d. Audit and/or non-audit service fees for each assignment given during
the financial year; and
e. In the event that the designated AP and KAP and their network/
association/alliance do not provide non-audit services, the information
shall be disclosed.
Disclosure of information on the use of AP and KAP services and their
networks/associations/alliances can be presented in tabular form.
21. Nama dan alamat lembaga dan/atau profesi penunjang 98
pasar modal selain AP dan KAP.
Profile. Names and addresses of capital market
supporting institutions and/or professions other than AP
and KAP.
Analisis dan Pembahasan Manajemen / Management Discussion and Analysis
Analisis dan pembahasan manajemen memuat analisis dan
pembahasan mengenai laporan keuangan dan informasi
penting lainnya dengan penekanan pada perubahan
material yang terjadi dalam tahun buku.
Management discussion and analysis contains discussion
and analysis of financial statements and other important
information with an emphasis on material changes that
occurred during the financial year.
1. Tinjauan operasi per segmen usaha sesuai dengan jenis a. Produksi, yang meliputi proses, kapasitas, dan perkembangannya; 110
industri Emiten atau Perusahaan Publik. b. Pendapatan/penjualan; dan
Overview of operations per business segment according c. Profitabilitas.
to the type of industry of the Issuer or Public Company. a. Production, which includes process, capacity, and development;
b. Revenue/sales; and
c. Profitability.
2. Kinerja keuangan komprehensif yang mencakup a. Aset lancar, aset tidak lancar, dan total aset; 112
perbandingan kinerja keuangan dalam 2 (dua) tahun b. Liabilitas jangka pendek, liabilitas jangka panjang, dan total liabilitas;
buku terakhir, penjelasan tentang penyebab adanya c. Ekuitas;
perubahan dan dampak perubahan tersebut. d. Pendapatan/penjualan, beban, laba (rugi), penghasilan komprehensif
Comprehensive financial performance which includes a lain, dan total laba (rugi) komprehensif; dan
comparison of financial performance in the last 2 (two) e. Arus kas.
financial years, with explanation of causes of changes a. Current assets, non-current assets, and total assets;
and impact of changes. b. Current liabilities, non-current liabilities, and total liabilities;
c. Equity;
d. Revenue/sales, expenses, profit (loss), other comprehensive income, and
total comprehensive profit (loss); and
e. Cash flows.
3. Kemampuan membayar utang atau kewajiban dengan 128
menyajikan perhitungan rasio yang relevan.
Profile. Debt or liabilities service ability by presenting
the calculation of relevant ratio.
4. Tingkat kolektibilitas piutang Emiten atau Perusahaan 128
Publik dengan menyajikan perhitungan rasio yang
relevan.
Receivables turnover ratio of the Issuer or Public
Company by presenting calculation of relevant ratio.
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5. Struktur modal (capital structure) dan kebijakan 131
manajemen atas struktur modal (capital structure)
tersebut disertai dasar penentuan kebijakan dimaksud.
Capital structure and management policy on capital
structure accompanied by the basis for determining the
said policy.
6. Bahasan mengenai ikatan yang material untuk investasi a. Tujuan dari ikatan tersebut; 132
barang modal. b. Sumber dana yang diharapkan untuk memenuhi ikatan tersebut;
Discussion on material commitments for capital goods c. Mata uang yang menjadi denominasi; dan
investment. d. Langkah yang direncanakan Emiten atau Perusahaan Publik untuk
melindungi risiko dari posisi mata uang asing yang terkait.
a. The purpose of the commitment;
b. The source of funds expected to fulfill the said commitment;
c. The currency; and
d. Steps planned by the Issuer or Public Company to protect against risks
from related foreign currency positions.
7. Bahasan mengenai investasi barang modal yang a. Jenis investasi barang modal; 132
direalisasikan dalam tahun buku terakhir. b. Tujuan investasi barang modal; dan
Discussion on capital goods investment realized in the c. Nilai investasi barang modal yang dikeluarkan.
last financial year. a. Type of capital goods investment;
b. The purpose of capital goods investment; and
c. The value of capital goods investment.
8. Informasi dan fakta material yang terjadi setelah tanggal 136
laporan akuntan (jika ada).
Information and material facts that occurred after the
date of the accountant’s report (if any).
9. Prospek usaha dari Emiten atau Perusahaan Publik 119
dikaitkan dengan kondisi industri, ekonomi secara
umum dan pasar internasional disertai data pendukung
kuantitatif dari sumber data yang layak dipercaya.
The business prospects of Issuers or Public Companies
connected to industry conditions, the general economy
and international markets accompanied by quantitative
supporting data from reliable data sources.
10. Perbandingan antara target/proyeksi pada awal tahun a. Pendapatan/penjualan; 133
buku dengan hasil yang dicapai (realisasi). b. Laba (rugi);
Comparison between targets/projections at the c. Struktur modal (capital structure); atau
beginning of financial year and the results achieved d. Hal lainnya yang dianggap penting bagi Emiten atau Perusahaan Publik.
(realization). a. Revenue/sales;
b. Profit (loss);
c. Capital structure; or
d. Other matters deemed important by the Issuer or Public Company.
11. Target/proyeksi yang ingin dicapai Emiten atau a. Pendapatan/penjualan; 134
Perusahaan Publik untuk 1 (satu) tahun mendatang. b. Laba (rugi);
Targets/projections to be achieved by the Issuer or c. Struktur modal (capital structure);
Public Company for the next 1 (one) year. d. Kebijakan dividen; atau
e. Hal lainnya yang dianggap penting bagi Emiten atau Perusahaan Publik.
a. Revenue/sales;
b. Profit (loss);
c. Capital structure;
d. Dividend policy; or
e. Other matters deemed important by the Issuer or Public Company.
12. Aspek pemasaran atas barang dan/atau jasa Emiten atau 107
Perusahaan Publik, paling sedikit mengenai strategi
pemasaran dan pangsa pasar.
Marketing aspects of the Issuer’s or Public Company’s
goods and/or services, at least regarding marketing
strategy and market share.
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13. Uraian mengenai dividen selama 2 (dua) tahun buku a. Kebijakan dividen, antara lain memuat informasi persentase jumlah 137
terakhir. dividen yang dibagikan terhadap laba bersih;
Description of dividends for the last 2 (two) financial b. Tanggal pembayaran dividen kas dan/atau tanggal distribusi dividen non
years. kas;
c. Jumlah dividen per saham (kas dan/atau non kas); dan
d. Jumlah dividen per tahun yang dibayar.
Pengungkapan informasi dapat disajikan dalam bentuk tabel. Dalam
hal Emiten atau Perusahaan Publik tidak membagikan dividen dalam
2 (dua) tahun terakhir, maka diungkapkan mengenai hal tersebut.
a. Dividend policy, including information on the percentage of the amount
of dividends distributed to net profit;
b. Cash dividend payment date and/or non-cash dividend distribution date;
c. Total dividend per share (cash and/or non-cash); and
d. The amount of dividends per year paid.
Disclosure of information can be presented in tabular form. In the event
that the Issuer or Public Company has not distributed dividends in the last
2 (two) years, this shall be disclosed.
14. Realisasi penggunaan dana hasil penawaran umum. a. Dalam hal selama tahun buku, Emiten memiliki kewajiban menyampaikan 137
Realization of the use of proceeds from the public laporan realisasi penggunaan dana, maka diungkapkan realisasi
offering. penggunaan dana hasil penawaran umum secara kumulatif sampai
dengan akhir tahun buku; dan
b. Dalam hal terdapat perubahan penggunaan dana sebagaimana diatur
dalam Peraturan Otoritas Jasa Keuangan mengenai laporan realisasi
penggunaan dana hasil penawaran umum, maka Emiten menjelaskan
perubahan tersebut.
a. In the event that during the financial year, the Issuer has an obligation to
submit a report on the realization of use of proceeds, then the cumulative
realization of the use of proceeds from the public offering until the end of
the financial year shall be disclosed; and
b. In the event that there is a change in the use of proceeds as stipulated
in the Financial Services Authority Regulation regarding the report on
realization of use of proceeds from a public offering, the Issuer shall
explain such change.
15.Informasi material (jika ada), antara lain mengenai a. Tanggal, nilai, dan objek transaksi; 138
investasi, ekspansi, divestasi, penggabungan/peleburan b. Nama pihak yang melakukan transaksi;
usaha, akuisisi, restrukturisasi utang/modal, transaksi c. Sifat hubungan afiliasi (jika ada);
material, transaksi afiliasi, dan transaksi benturan d. Penjelasan mengenai kewajaran transaksi;
kepentingan, yang terjadi pada tahun buku. e. Pemenuhan ketentuan terkait; dan
Material information (if any), including investment, f. Dalam hal terdapat hubungan afiliasi, selain mengungkapkan informasi
expansion, divestment, business merger/consolidation, sebagaimana dimaksud dalam huruf a) sampai dengan huruf e), emiten
acquisition, debt/capital restructuring, material atau perusahaan publik juga mengungkapkan informasi:
transactions, affiliate transactions, and conflict of interest 1) Pernyataan direksi bahwa transaksi afiliasi telah melalui prosedur yang
transactions, which occurred in the financial year. memadai untuk memastikan bahwa transaksi afiliasi dilaksanakan sesuai
dengan praktik bisnis yang berlaku umum antara lain dilakukan dengan
memenuhi prinsip transaksi yang wajar (armslength principle); dan
2) Peran dewan komisaris dan komite audit dalam melakukan prosedur
yang memadai untuk memastikan bahwa transaksi afiliasi dilaksanakan
sesuai dengan praktik bisnis yang berlaku umum antara lain dilakukan
dengan memenuhi prinsip transaksi yang wajar (armslength principle);
g. Untuk transaksi afiliasi atau transaksi material yang merupakan kegiatan
usaha yang dijalankan dalam rangka menghasilkan pendapatan usaha dan
dijalankan secara rutin, berulang, dan/atau berkelanjutan, ditambahkan
penjelasan bahwa transaksi afiliasi atau transaksi material tersebut
merupakan kegiatan usaha yang dijalankan dalam rangka menghasilkan
pendapatan usaha dan dijalankan secara rutin, berulang, dan/atau
berkelanjutan;
Dalam hal transaksi afiliasi atau transaksi material dimaksud telah
diungkapkan dalam laporan keuangan tahunan, ditambahkan informasi
mengenai rujukan pengungkapan dalam laporan keuangan tahunan
tersebut.
h. Untuk pengungkapan transaksi afiliasi dan/atau transaksi benturan
kepentingan yang merupakan hasil pelaksanaan transaksi afiliasi dan/
atau transaksi benturan kepentingan yang telah disetujui pemegang
saham independen, ditambahkan informasi mengenai tanggal
pelaksanaan rups yang menyetujui transaksi afiliasi dan/atau transaksi
benturan kepentingan tersebut; dan
i. Dalam hal tidak terdapat transaksi afiliasi dan/atau transaksi benturan
kepentingan, maka diungkapkan mengenai hal tersebut.
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a. Transaction date, value, and object;
b. The name of the party making the transaction;
c. Nature of affiliate relationship (if any);
d. Explanation of the fairness of transaction;
e. Fulfillment of related provisions; and
f. In the event that there is an affiliation relationship, apart from disclosing
the information referred to in letter a) through letter e), the issuer or
public company shall also disclose information on:
1) The statement of the board of directors that the affiliated transactions
have gone through adequate procedures to ensure that the affiliated
transactions are carried out in accordance with the generally accepted
business practices, among others, conducted according to fair
transaction principles (arm’s length principle); and
2) The role of the board of commissioners and audit committee in carrying
out adequate procedures to ensure that the affiliated transactions
are carried out in accordance with the generally accepted business
practices, among others, conducted according to fair transaction
principles (arm’s length principle);
g. For affiliate transactions or material transactions which are business
activities carried out in order to generate business income and are
carried out routinely, repeatedly, and/or continuously, an explanation
is added that the affiliated transactions or material transactions are
business activities carried out in order to generate business income and
are carried out routinely, repeatedly, and/or continuously; In the event
that the affiliated transactions or material transactions referred to have
been disclosed in the annual financial statements, information is added
regarding references to disclosure in the said annual financial statements.
h. For disclosure of affiliated transactions and/or conflict of interest
transactions which are the result of executing affiliated transactions
and/or conflict of interest transactions that have been approved by
independent shareholders, information is added regarding the date of
the GMS that approves the said affiliated transactions and/or conflict of
interest transactions; and
i. In the event that there are no affiliated transactions and/or conflict of
interest transactions, this shall be disclosed.
16.Perubahan ketentuan peraturan perundang-undangan 150
yang berpengaruh signifikan terhadap Emiten atau
Perusahaan Publik dan dampaknya terhadap laporan
keuangan (jika ada).
Amendments to provisions of laws and regulations that
have a significant impact on the Issuer or Public Company
and the impact on the financial statements (if any).
17.Perubahan kebijakan akuntansi, alasan dan dampaknya 150
terhadap laporan keuangan (jika ada).
Changes to accounting policies, reasons, and their
impact on financial statements (if any).
Tata Kelola Emiten atau Perusahaan Publik / Governance of Issuers or Public Companies
1. Rapat Umum Pemegang Saham (RUPS). a. Informasi mengenai keputusan RUPS pada tahun buku dan 1 (satu) tahun 168
General Meeting of Shareholders (GMS). sebelum tahun buku meliputi:
1) keputusan RUPS pada tahun buku dan 1 (satu) tahun sebelum tahun
buku yang direalisasikan pada tahun buku; dan
2) keputusan RUPS pada tahun buku dan 1 (satu)tahun sebelum tahun
buku yang belum direalisasikan beserta alasan belum direalisasikan;
b. Dalam hal Emiten atau Perusahaan Publik menggunakan pihak
independen dalam pelaksanaan RUPS untuk melakukan perhitungan
suara, maka diungkapkan mengenai hal tersebut.
a. Information regarding GMS resolutions in the financial year and 1 (one)
year before the financial year that includes:
1) GMS resolutions in the financial year and 1 (one) year prior to the
financial year realized in the financial year; and
2) GMS resolutions in the financial year and 1 (one) year prior to the
financial year which have not been realized and the reasons for not
being realized;
b. In the event that an Issuer or Public Company uses an independent party
in the implementation of the GMS to count the votes, this matter shall be
disclosed.
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2. Direksi. a. Tugas dan tanggung jawab masing-masing anggota Direksi; 177
Board of Directors. Informasi mengenai tugas dan tanggung jawab masing-masing anggota
Direksi diuraikan dan dapat disajikan dalam bentuk tabel;
b. Pernyataan bahwa Direksi memiliki pedoman atau piagam (charter)
Direksi;
c. Kebijakan dan pelaksanaan frekuensi rapat Direksi, rapat Direksi
bersama Dewan Komisaris, dan tingkat kehadiran anggota
Direksi dalam rapat tersebut termasuk kehadiran dalam RUPS;
Informasi tingkat kehadiran anggota Direksi dalam rapat Direksi, rapat
Direksi bersama Dewan Komisaris, atau RUPS dapat disajikan dalam
bentuk tabel.
d. Pelatihan dan/atau peningkatan kompetensi anggota Direksi:
1) Kebijakan pelatihan dan/atau peningkatan kompetensi anggota
Direksi, termasuk program orientasi bagi anggota Direksi yang baru
diangkat (jika ada); dan
2) Pelatihan dan/atau peningkatan kompetensi yang diikuti anggota
Direksi dalam tahun buku (jika ada);
e. Penilaian Direksi terhadap kinerja komite yang mendukung pelaksanaan
tugas Direksi pada tahun buku paling sedikit memuat:
1) Prosedur penilaian kinerja; dan
2) Kriteria yang digunakan seperti capaian kinerja selama tahun buku,
kompetensi dan kehadiran dalam rapat; dan
f. Dalam hal Emiten atau Perusahaan Publik tidak memiliki komite yang
mendukung pelaksanaan tugas Direksi, maka diungkapkan mengenai hal
tersebut.
a. Duties and responsibilities of each member of the Board of Directors;
Information regarding the duties and responsibilities of each member of
the Board of Directors is described and can be presented in tabular form;
b. Statement that the Board of Directors has Board of Directors guidelines
or charter;
c. Policy and frequency of Board of Directors’ meetings, Board of Directors’
joint meetings with the Board of Commissioners, and the attendance level
of Board of Directors’ members at these meetings including attendance
at the GMS; Information on the attendance level of Board of Directors’
members at Board of Directors’ meetings, Board of Directors’ joint
meetings with the Board of Commissioners, or the GMS can be presented
in tabular form.
d. Training and/or competency development for Board of Directors’
members:
1) Policy on training and/or competency development for Board of
Directors’ members, including an orientation program for newly
appointed members of the Board of Directors (if any); and
2) Training and/or competency development programs attended by the
Board of Directors’ members in the financial year (if any);
e. The Board of Directors’ assessment of the performance of committees
that support the implementation of Board of Directors’ duties in the
financial year that contains at least:
1) Performance assessment procedures; and
2) The criteria used such as performance achievements during the
financial year, competence, and attendance at meetings; and
f. In the event that the Issuer or Public Company does not have a committee
that supports the implementation of Board of Directors’ duties, this shall
be disclosed.
3. Dewan Komisaris. a. Tugas dan tanggung jawab Dewan Komisaris; 171
Board of Commissioners. b. Pernyataan bahwa Dewan Komisaris memiliki pedoman atau piagam
(charter) Dewan Komisaris;
c. Kebijakan dan pelaksanaan frekuensi rapat Dewan Komisaris, rapat
Dewan Komisaris bersama Direksi dan tingkat kehadiran anggota Dewan
Komisaris dalam rapat tersebut termasuk kehadiran dalam RUPS;
Informasi tingkat kehadiran anggota Dewan Komisaris dalam rapat
Dewan Komisaris, rapat Dewan Komisaris bersama Direksi, atau RUPS
dapat disajikan dalam bentuk tabel.
d. Pelatihan dan/atau peningkatan kompetensi anggota Dewan Komisaris:
1) Kebijakan pelatihan dan/atau peningkatan kompetensi anggota
Dewan Komisaris, termasuk program orientasi bagi anggota Dewan
Komisaris yang baru diangkat (jika ada); dan
2) Pelatihan dan/atau peningkatan kompetensi yang diikuti anggota
Dewan Komisaris dalam tahun buku (jika ada);
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e. Penilaian kinerja Direksi dan Dewan Komisaris serta masing-masing
anggota Direksi dan anggota Dewan Komisaris, paling sedikit memuat:
1) Prosedur pelaksanaan penilaian kinerja;
2) Kriteria yang digunakan seperti capaian kinerja selama tahun buku,
kompetensi dan kehadiran dalam rapat; dan
3) Pihak yang melakukan penilaian; dan
f. Penilaian Dewan Komisaris terhadap kinerja Komite yang mendukung
pelaksanaan tugas Dewan Komisaris pada tahun buku meliputi:
1) Prosedur penilaian kinerja; dan
2) Kriteria yang digunakan seperti capaian kinerja selama tahun buku,
kompetensi dan kehadiran dalam rapat.
a. Duties and responsibilities of the Board of Commissioners;
b. Statement that the Board of Commissioners has Board of Commissioners
guidelines or charter;
c. Policy and frequency of Board of Commissioners’ meetings, Board of
Commissioners’ joint meetings with the Board of Directors, and the
attendance level of Board of Commissioners’ members at these meetings
including attendance at the GMS;
Information on the attendance level of Board of Commissioners’
members at Board of Commissioners’ meetings, meetings between the
Board of Commissioners and the Board of Directors, or the GMS can be
presented in tabular form.
d. Training and/or competency development for Board of Commissioners’
members:
1) Policy on training and/or competency development for Board of
Commissioners’ members, including an orientation program for newly
appointed members of the Board of Commissioners (if any); and
2) Training and/or competency development programs attended by the
Board of Commissioners’ members in the financial year (if any);
e. Assessment of the Board of Directors’ performance and the Board of
Commissioners as well as of each member of the Board of Directors and
the Board of Commissioners, that contains at least:
1) Performance assessment procedures
2) The criteria used such as performance achievements during the
financial year, competence, and attendance at meetings; and
3) The assessor; and
f. The Board of Commissioners’ assessment of the performance of
Committees that support the implementation of Board of Commissioners’
duties in the financial year that contains at least:
1) Performance assessment procedures; and
2) The criteria used such as performance achievements during the
financial year, competence, and attendance at meetings.
4. Nominasi dan remunerasi Direksi dan Dewan Komisaris. a. Prosedur nominasi, meliputi uraian singkat mengenai kebijakan dan 193
Nomination and remuneration of the Board of Directors proses nominasi anggota Direksi dan/atau anggota Dewan Komisaris; dan
and Board of Commissioners. b. Prosedur dan pelaksanaan remunerasi Direksi dan Dewan Komisaris,
antara lain:
1) prosedur penetapan remunerasi Direksi dan Dewan Komisaris;
2) struktur remunerasi Direksi dan Dewan Komisaris seperti, gaji,
tunjangan, tantiem/bonus dan lainnya; dan
3) besarnya remunerasi masing-masing anggota Direksi dan anggota
Dewan Komisaris;
Pengungkapan informasi dapat disajikan dalam bentuk tabel.
a. Nomination procedures, including a brief description of the policies
and nomination process for members of the Board of Directors and/or
members of the Board of Commissioners; and
b. Procedures and implementation of remuneration for the Board of
Directors and Board of Commissioners, including:
1) procedures for determining remuneration for the Board of Directors
and Board of Commissioners;
2) remuneration structure for the Board of Directors and Board of
Commissioners such as salaries, allowances, tantiem/bonuses, and
others; and
3) remuneration amount for each member of the Board of Directors and
members of the Board of Commissioners;
Disclosure of information can be presented in tabular form.
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5. Dewan pengawas syariah, bagi Emiten atau Perusahaan a. Nama; N/A
Publik yang menjalankan kegiatan usaha berdasarkan b. Dasar hukum pengangkatan dewan pengawas syariah;
prinsip syariah sebagaimana tertuang dalam anggaran c. Periode penugasan dewan pengawas syariah;
Dasar. d. Tugas dan tanggung jawab dewan pengawas syariah; dan
Sharia supervisory board, for Issuers or Public Companies e. Frekuensi dan cara pemberian nasihat dan saran serta pengawasan
that carry out business activities based on sharia pemenuhan prinsip syariah di pasar modal terhadap emiten atau
principles as stated in the articles of association. perusahaan publik.
a. Name;
b. The legal basis of appointment of the sharia supervisory board;
c. The assignment period of the sharia supervisory board;
d. The duties and responsibilities of the sharia supervisory board; and
e. Frequency and method of providing advice and suggestions as well as
supervising compliance with sharia principles in the capital market
applicable to issuers or public companies.
6. Komite Audit. a. Nama dan jabatannya dalam keanggotaan komite; 210
Audit Committee. b. Usia;
c. Kewarganegaraan;
d. Riwayat pendidikan;
e. Riwayat jabatan, meliputi informasi:
1) Dasar hukum penunjukan sebagai anggota komite;
2) Rangkap jabatan, baik sebagai anggota dewan komisaris, anggota
direksi, dan/atau anggota komite serta jabatan lainnya (jika ada); dan
3) Pengalaman kerja beserta periode waktunya baik di dalam maupun di
luar emiten atau perusahaan publik;
f. Periode dan masa jabatan anggota komite audit;
g. Pernyataan independensi komite audit;
h. Pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam
tahun buku (jika ada);
i. Kebijakan dan pelaksanaan frekuensi rapat komite audit dan tingkat
kehadiran anggota komite audit dalam rapat tersebut; dan
j. Pelaksanaan kegiatan komite audit pada tahun buku sesuai dengan yang
dicantumkan dalam pedoman atau piagam (charter) komite audit.
a. Name and position in committee;
b. Age;
c. Citizenship;
d. Educational history;
e. Position history, including information on:
1) Legal basis of appointment as committee member;
2) Concurrent positions, as members of the board of commissioners,
members of the board of directors, and/or committee members and
other positions (if any); and
3) Work experience and time period inside and outside the issuer or
public company;
f. Period and term of audit committee members;
g. Audit committee independency statement;
h. Training and/or competency development programs attended in the
financial year (if any);
i. Policy and frequency of audit committee’s meetings and the attendance
level of audit committee’s members in these meetings; and
j. Implementation of audit committee activities in the financial year
according to what is stated in the audit committee guidelines or charter.
7. Komite atau fungsi nominasi dan remunerasi Emiten a. Nama dan jabatannya dalam keanggotaan komite; 205
atau Perusahaan Publik. b. Usia;
Nomination and remuneration committee or function of c. Kewarganegaraan;
Issuer or Public Company. d. Riwayat pendidikan;
e. Riwayat jabatan, meliputi informasi:
1) Dasar hukum penunjukan sebagai anggota komite;
2) Rangkap jabatan, baik sebagai anggota dewan komisaris, anggota
direksi, dan/atau anggota komite serta jabatan lainnya (jika ada); dan
3) Pengalaman kerja beserta periode waktunya baik di dalam maupun di
luar emiten atau perusahaan publik;
f. Periode dan masa jabatan anggota komite;
g. Pernyataan independensi komite;
h. Pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam
tahun buku (jika ada);
i. Uraian tugas dan tanggung jawab;
j. Pernyataan bahwa telah memiliki pedoman atau piagam (charter);
k. Kebijakan dan pelaksanaan frekuensi rapat dan tingkat kehadiran
anggota dalam rapat tersebut;
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l. Uraian singkat pelaksanaan kegiatan pada tahun buku; dan
m. Dalam hal tidak dibentuk komite nominasi dan remunerasi, emiten
atau perusahaan publik cukup mengungkapkan informasi sebagaimana
dimaksud dalam huruf i) sampai dengan huruf l) dan mengungkapkan:
1) Alasan tidak dibentuknya komite; dan
2) Pihak yang melaksanakan fungsi nominasi dan remunerasi.
a. Name and position in committee;
b. Age;
c. Citizenship;
d. Educational history;
e. Position history, including information on:
1) Legal basis of appointment as committee member;
2) Concurrent positions, as members of the board of commissioners,
members of the board of directors, and/or committee members and
other positions (if any); and
3) Work experience and time period inside and outside the issuer or
public company;
f. Period and term of committee members;
g. Committee independency statement;
h. Training and/or competency development programs attended in the
financial year (if any);
i. Description of duties and responsibilities;
j. Statement that the committee already has a guideline or charter;
k. Policy and frequency of meetings and the attendance level of members at
the meetings;
l. A brief description of the implementation of activities in the financial
year; and
m. In the event that a nomination and remuneration committee is not
formed, it is sufficient for the issuer or public company to disclose the
information referred to in letter i) to letter l) and disclose:
1) The reasons for not forming the committee; and
2) Party carrying out nomination and remuneration functions.
8. Komite lain yang dimiliki Emiten atau Perusahaan Publik a. Nama dan jabatannya dalam keanggotaan komite; 199, 213,
dalam rangka mendukung fungsi dan tugas Direksi (jika b. Usia; 214
ada) dan/atau komite yang mendukung fungsi dan tugas c. Kewarganegaraan;
Dewan Komisaris. d. Riwayat pendidikan;
Other committees established by Issuers or Public e. Riwayat jabatan, meliputi informasi:
Companies in order to support the Board of Directors’ 1) Dasar hukum penunjukan sebagai anggota komite;
functions and duties (if any) and/or committees that 2) Rangkap jabatan, baik sebagai anggota dewan komisaris, anggota
support the Board of Commissioners’ functions and direksi, dan/atau anggota komite serta jabatan lainnya (jika ada); dan
duties. 3) Pengalaman kerja beserta periode waktunya baik di dalam maupun di
luar emiten atau perusahaan publik;
f. Periode dan masa jabatan anggota komite;
g. Pernyataan independensi komite;
h. Pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam
tahun buku (jika ada); dan
i. Uraian tugas dan tanggung jawab;
j. Pernyataan bahwa telah memiliki pedoman atau piagam (charter)
komite;
k. Kebijakan dan pelaksanaan frekuensi rapat komite dan tingkat kehadiran
anggota komite dalam rapat tersebut; dan
l. Uraian singkat pelaksanaan kegiatan komite pada tahun buku.
a. Name and position in committee;
b. Age;
c. Citizenship;
d. Educational history;
e. Position history, including information on:
1) Legal basis of appointment as committee member;
2) Concurrent positions, as members of the board of commissioners,
members of the board of directors, and/or committee members and
other positions (if any); and
3) Work experience and time period inside and outside the issuer or
public company;
f. Period and term of committee members;
g. Committee independency statement;
h. Training and/or competency development programs attended in the
financial year (if any); and
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i. Description of duties and responsibilities;
j. Statement that the committee already has a guideline or charter;
k. Policy and frequency of committee’s meetings and the attendance level
of committee members at meetings; and
l. A brief description of the implementation of committee’s activities in the
financial year.
9. Sekretaris Perusahaan. a. Nama; 228
Corporate Secretary. b. Domisili;
c. Riwayat jabatan, meliputi:
1) Dasar hukum penunjukan sebagai sekretaris perusahaan; dan
2) Pengalaman kerja beserta periode waktunya baik di dalam maupun di
luar emiten atau perusahaan publik;
d. Riwayat pendidikan;
e. Pelatihan dan/atau peningkatan kompetensi yang diikuti dalam tahun
buku; dan
f. Uraian singkat pelaksanaan tugas sekretaris perusahaan pada tahun
buku.
a. Name;
b. Domicile;
c. Position history, including:
1) Legal basis of appointment as corporate secretary; and
2) Work experience and time period inside and outside the issuer or
public company;
d. Educational history;
e. Training and/or competency development programs attended in the
financial year; and
f. Brief description of the implementation of corporate secretary’s duties in
the financial year.
10. Unit Audit Internal. a. Nama kepala unit audit internal; 232
Internal Audit Unit. b. Riwayat jabatan, meliputi:
1) Dasar hukum penunjukan sebagai kepala unit audit internal; dan
2) Pengalaman kerja beserta periode waktunya baik di dalam maupun di
luar emiten atau perusahaan publik;
c. Kualifikasi atau sertifikasi sebagai profesi audit internal (jika ada);
d. Pelatihan dan/atau peningkatan kompetensi yang diikuti dalam tahun
buku;
e. Struktur dan kedudukan unit audit internal;
f. Uraian tugas dan tanggung jawab;
g. Pernyataan bahwa telah memiliki pedoman atau piagam (charter) unit
audit internal; dan
h. Uraian singkat pelaksanaan tugas unit audit internal pada tahun buku
termasuk kebijakan dan pelaksanaan frekuensi rapat dengan direksi,
dewan komisaris, dan/atau komite audit.
a. Name of the head of internal audit unit;
b. Position history, including:
1) Legal basis of appointment as head of internal audit unit; and
2) Work experience and time period inside and outside the issuer or
public company;
c. Qualification or certification for internal audit profession (if any);
d. Training and/or competency development programs attended in the
financial year;
e. The structure and position of the internal audit unit;
f. Description of duties and responsibilities;
g. Statement that the internal audit unit already has a guideline or charter;
and
h. A brief description of the implementation of internal audit unit’s duties in
the financial year including the policies and frequency of meetings with
the board of directors, board of commissioners, and/or audit committee.
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11. Uraian mengenai sistem pengendalian internal (internal a. Pengendalian keuangan dan operasional, serta kepatuhan terhadap 239
control) yang diterapkan oleh Emiten atau Perusahaan peraturan perundang-undangan lainnya;
Publik. b. Tinjauan atas efektivitas sistem pengendalian internal; dan
Description of internal control system implemented by c. Pernyataan direksi dan/atau dewan komisaris atas kecukupan sistem
Issuers or Public Companies. pengendalian internal.
a. Financial and operational control, as well as compliance with other laws
and regulations;
b. Review of the effectiveness of internal control system; and
c. Statement of the board of directors and/or board of commissioners on
the adequacy of the internal control system.
12. Sistem manajemen risiko yang diterapkan oleh Emiten a. Gambaran umum mengenai sistem manajemen risiko Emiten atau 337
atau Perusahaan Publik. Perusahaan Publik;
Risk management system implemented by Issuers or b. Jenis risiko dan cara pengelolaannya;
Public Companies. c. Tinjauan atas efektivitas sistem manajemen risiko Emiten atau
Perusahaan Publik; dan
d. Pernyataan Direksi dan/atau Dewan Komisaris atau komite audit atas
kecukupan sistem manajemen risiko.
a. General description of the Issuer’s or Public Company’s risk management
system;
b. Types of risks and how to manage them;
c. Review of the effectiveness of the Issuer’s or Public Company’s risk
management system; and
d. Statement of the Board of Directors and/or Board of Commissioners or
the audit committee on the adequacy of the risk management system.
13. Perkara hukum yang berdampak material yang dihadapi a. Pokok perkara/gugatan; 250
oleh Emiten atau Perusahaan Publik, entitas anak, b. Status penyelesaian perkara/gugatan; dan
anggota Direksi dan anggota Dewan Komisaris (jika ada). c. Pengaruhnya terhadap kondisi emiten atau perusahaan Publik.
Legal cases with material impacts faced by Issuers or a. Case profile/lawsuit;
Public Companies, subsidiaries, members of the Board of b. The settlement status of the case/lawsuit; and
Directors, and members of the Board of Commissioners c. The impact on the issuers or public companies’ condition.
(if any).
14. informasi tentang sanksi administratif/sanksi yang 255
dikenakan kepada Emiten atau Perusahaan Publik,
anggota Dewan Komisaris dan anggota Direksi, oleh
Otoritas Jasa Keuangan dan otoritas lainnya pada tahun
buku (jika ada).
Information on administrative sanctions/sanctions
imposed on Issuers or Public Companies, members of
the Board of Commissioners. and members of the Board
of Directors, by the Financial Services Authority and
other authorities in the financial year (if any).
15.Informasi mengenai kode etik Emiten atau Perusahaan a. Pokok-pokok kode etik; 260
Publik. b. Bentuk sosialisasi kode etik dan upaya penegakannya; dan
Information regarding the code of conduct of Issuers or c. Pernyataan bahwa kode etik berlaku bagi anggota direksi, anggota Dewan
Public Companies. Komisaris, dan karyawan Emiten atau Perusahaan Publik.
a. The principles of the code of conduct;
b. The form of dissemination of the code of conduct and efforts to enforce
it; and
c. A statement that the code of conduct applies to members of the board
of directors, members of the board of commissioners, and employees of
Issuers or Public Companies.
16. Uraian singkat mengenai kebijakan pemberian Dalam hal pemberian kompensasi berupa program kepemilikan saham 263
kompensasi jangka panjang berbasis kinerja kepada oleh manajemen (management stock ownership program/MSOP) dan/atau
manajemen dan/atau karyawan yang dimiliki oleh program kepemilikan saham oleh karyawan (employee stock ownership
Emiten atau Perusahaan Publik (jika ada), antara lain program/ESOP), informasi yang diungkapkan paling sedikit memuat:
berupa program kepemilikan saham oleh manajemen a. Jumlah saham dan/atau opsi;
(management stock ownership program/MSOP) dan/ b. Jangka waktu pelaksanaan;
atau program kepemilikan saham oleh karyawan c. Persyaratan karyawan dan/atau manajemen yang berhak; dan
(employee stock ownership program/ESOP). d. Harga pelaksanaan atau penentuan harga pelaksanaan.
A brief description of the policy of providing performance- In terms of providing compensation in the form of management stock
based long-term compensation to management and/ ownership program (MSOP) and/or employee stock ownership program
or employees owned by Issuers or Public Companies (if (ESOP), the information disclosed shall contain at least:
any), including but not limited to management stock a. Number of shares and/or options;
ownership program (MSOP) and/or employee stock b. Implementation period;
ownership program (ESOP). c. Requirements for eligible employee and/or management; and
d. Execution price or determination of execution price.
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17. Uraian singkat mengenai kebijakan pengungkapan a. Kepemilikan saham anggota Direksi dan anggota Dewan Komisaris paling 263
informasi. lambat 3 (tiga) hari kerja setelah terjadinya kepemilikan atau setiap
A brief description of the information disclosure policy. perubahan kepemilikan atas saham Perusahaan Terbuka; dan
b. Pelaksanaan atas kebijakan dimaksud.
a. Share ownership of members of the Board of Directors and members of
the Board of Commissioners no later than 3 (three) working days after the
ownership or any change in ownership of the Public Company’s shares;
and
b. Implementation of the said policy.
18. Uraian mengenai sistem pelaporan pelanggaran a. Cara penyampaian laporan pelanggaran; 266
(whistleblowing system) di Emiten atau Perusahaan b. Perlindungan bagi pelapor;
Publik. c. Penanganan pengaduan;
Description of the violation reporting system d. Pihak yang mengelola pengaduan; dan
(whistleblowing system) in Issuers or Public Companies. e. Hasil dari penanganan pengaduan, paling sedikit:
1) Jumlah pengaduan yang masuk dan diproses dalam tahun buku; dan
2) Tindak lanjut pengaduan.
Dalam hal Emiten atau Perusahaan Publik tidak memiliki sistem pelaporan
pelanggaran (whistleblowing system), maka diungkapkan mengenai hal
tersebut.
a. Method of submission of violation reports;
b. Protection for reporters;
c. How to handle the complaints;
d. Parties who manage complaints; and
e. The results of handling complaints, at least:
1) Number of complaints received and processed in the financial year;
and
2) The complaint follow-up.
In the event that the Issuer or Public Company does not have a violation
reporting system (whistleblowing system), then this matter shall be
disclosed.
19. Uraian mengenai kebijakan anti korupsi Emiten atau a. Program dan prosedur yang dilakukan dalam mengatasi praktik korupsi, 263
Perusahaan Publik. balas jasa (kickbacks), fraud, suap dan/atau gratifikasi dalam Emiten atau
Description of the Issuer’s or Public Company’s anti- Perusahaan Publik; dan
corruption policy. b. Pelatihan/sosialisasi anti korupsi kepada karyawan Emiten atau
Perusahaan Publik.
Dalam hal Emiten atau Perusahaan Publik tidak memiliki kebijakan anti
korupsi, maka dijelaskan alasan tidak dimilikinya kebijakan dimaksud.
a. Programs and procedures carried out in overcoming corrupt practices,
remuneration (kickbacks), fraud, bribes, and/or gratuities in Issuers or
Public Companies; and
b. Anti-corruption training/dissemination for employees of Issuers or
Public Companies.
If the Issuer or Public Company does not have an anti-corruption policy,
the reasons for not having such a policy shall be explained.
20. Penerapan atas pedoman tata kelola Perusahaan a. Pernyataan mengenai rekomendasi yang telah dilaksanakan; dan/atau 270
Terbuka bagi Emiten yang menerbitkan efek bersifat b. Penjelasan atas rekomendasi yang belum dilaksanakan, disertai alasan
ekuitas atau Perusahaan Publik. dan alternatif pelaksanaannya (jika ada).
Implementation of Public Company governance Pengungkapan informasi dapat disajikan dalam bentuk tabel.
guidelines for Issuers that issue equity securities or a. Statement regarding recommendations that have been implemented;
Public Companies. and/or
b. Explanation of recommendations that have not been implemented,
accompanied by reasons and alternatives for implementation (if any).
Disclosure of information can be presented in tabular form.
Tanggung Jawab Sosial dan Lingkungan Emiten atau Perusahaan Publik / Social and Environmental Responsibility of Issuers or Public Companies
1. Informasi yang diungkapkan dalam bagian tanggung a. Penjelasan strategi keberlanjutan;
jawab sosial dan lingkungan merupakan Laporan b. Ikhtisar aspek keberlanjutan (ekonomi, sosial, dan lingkungan hidup);
Keberlanjutan (Sustainability Report) sebagaimana c. Profil singkat emiten atau perusahaan publik;
dimaksud dalam Peraturan Otoritas Jasa Keuangan d. Penjelasan direksi;
No. 51/POJK.03/2017 tentang Penerapan Keuangan e. Tata kelola keberlanjutan;
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan f. Kinerja keberlanjutan;
Perusahaan Publik. g. Verifikasi tertulis dari pihak independen, jika ada;
h. Lembar umpan balik (feedback) untuk pembaca, jika ada; dan
i. Tanggapan emiten atau perusahaan publik terhadap umpan balik laporan
tahun sebelumnya.
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The information disclosed in the social and environmental a. Explanation of sustainability strategy;
responsibility section is a Sustainability Report as b. An overview of sustainability aspects (economic, social, and environmental);
referred to in the Financial Services Authority Regulation c. Brief profile of the issuer or public company;
No. 51/POJK.03/2017 on Implementation of Sustainable d. Explanation from the board of directors;
Finance for Financial Services Institutions, Issuers, and e. Sustainability governance;
Public Companies. f. Sustainability performance;
g. Written verification from an independent party, if any;
h. Feedback form for readers, if any; and
i. The issuer or public company’s response to the previous year’s report
feedback.
2. Laporan Keberlanjutan sebagaimana dimaksud pada angka
1), harus disusun sesuai Pedoman Teknis Penyusunan
Laporan Keberlanjutan (Sustainability Report) Bagi Emiten
dan Perusahaan Publik sebagaimana tercantum dalam
Lampiran II yang merupakan bagian tidak terpisahkan dari
Surat Edaran Otoritas Jasa Keuangan ini.
The Sustainability Report as referred to in number 1),
must be prepared in accordance with the Technical
Guidelines for Preparing Sustainability Reports For
Issuers and Public Companies as listed in Appendix
II which is an integral part of this Financial Services
Authority Circular.
3. informasi Laporan Keberlanjutan (Sustainability Report) a. Diungkapkan pada bagian lain yang relevan di luar bagian tanggung
pada angka 1) dapat: jawab sosial dan lingkungan, seperti penjelasan Direksi terkait Laporan
Sustainability Report information in number 1) can: Keberlanjutan diungkapkan dalam bagian terkait Laporan Direksi; dan/atau
b. Merujuk pada bagian lain di luar bagian tanggung jawab sosial dan
lingkungan dengan tetap mengacu pada Pedoman Teknis Penyusunan
Laporan Keberlanjutan (Sustainability Report) Bagi Emiten dan
Perusahaan Publik sebagaimana tercantum dalam Lampiran II yang
merupakan bagian tidak terpisahkan dari Surat Edaran Otoritas Jasa
Keuangan ini, seperti profil Emiten atau Perusahaan Publik.
a. Be disclosed in other relevant sections outside the social and
environmental responsibility section, such as the Board of Directors’
explanation regarding the Sustainability Report is disclosed in the related
section of the Board of Directors’ Report; and/or
b. Refer to other sections outside the social and environmental
responsibility section while still referring to the Technical Guidelines
for Preparing Sustainability Report For Issuers and Public Companies as
listed in Appendix II which is an integral part of this Financial Services
Authority Circular, such as the profile of the Issuer or Public Company.
4. Laporan Keberlanjutan (Sustainability Report)
sebagaimana dimaksud pada angka 1) merupakan bagian
yang tidak terpisahkan dari Laporan Tahunan namun
dapat disajikan secara terpisah dengan Laporan Tahunan.
Sustainability Report as referred to in number 1) is an
integral part of the Annual Report but can be presented
separately from the Annual Report.
5. Dalam hal Laporan Keberlanjutan disajikan secara a. Memuat seluruh informasi sebagaimana dimaksud pada angka 1); dan
terpisah dengan Laporan Tahunan, informasi yang b. Disusun sesuai Pedoman Teknis Penyusunan Laporan Keberlanjutan
diungkapkan dalam Laporan Keberlanjutan dimaksud (Sustainability Report) Bagi Emiten dan Perusahaan Publik sebagaimana
harus: tercantum dalam Lampiran II yang merupakan bagian tidak terpisahkan
In the event that the Sustainability Report is presented dari Surat Edaran Otoritas Jasa Keuangan ini.
separately from the Annual Report, the information a. Contain all the information referred to in number 1); and
disclosed in the Sustainability Report must: b. Be prepared according to Technical Guidelines for Preparing Sustainability
Report for Issuers and Public Companies as listed in Appendix II which is
an integral part of this Financial Services Authority Circular.
2023 Annual and Sustainability Report | PT Bank Victoria International Tbk 459
Page 462
Kriteria Penjelasan Halaman
Criteria Explanation Page
6. Dalam hal Laporan Keberlanjutan disajikan secara
terpisah dengan Laporan Tahunan, maka dalam bagian
tanggung jawab sosial dan lingkungan memuat informasi
bahwa informasi mengenai tanggung jawab sosial
dan lingkungan telah diungkapkan dalam Laporan
Keberlanjutan yang disajikan secara terpisah dari
Laporan Tahunan.
In the event that the Sustainability Report is presented
separately from the Annual Report, then the social
and environmental responsibility section contains
information that information regarding social and
environmental responsibility has been disclosed in the
Sustainability Report which is presented separately from
the Annual Report.
7. Penyampaian Laporan Keberlanjutan (Sustainability
Report) yang disajikan secara terpisah dengan Laporan
Tahunan harus disampaikan bersamaan dengan
penyampaian Laporan Tahunan.
Submission of Sustainability Report presented separately
from the Annual Report must be submitted together with
the submission of the Annual Report.
Laporan Keuangan Tahunan yang Telah Diaudit / Audited Annual Financial Statements
Laporan keuangan tahunan yang dimuat dalam Laporan
Tahunan disusun sesuai dengan standar akuntansi
keuangan di Indonesia dan telah diaudit oleh akuntan
publik yang terdaftar di Otoritas Jasa Keuangan. Laporan
keuangan tahunan dimaksud memuat pernyataan mengenai
pertanggungjawaban atas laporan keuangan sebagaimana
diatur dalam Peraturan Otoritas Jasa Keuangan mengenai
tanggung jawab Direksi atas laporan keuangan atau
peraturan perundang-undangan di sektor pasar modal
yang mengatur mengenai laporan berkala perusahaan efek
dalam hal Emiten merupakan perusahaan efek.
The annual financial statements included in the Annual
Report are prepared in accordance with Indonesian
financial accounting standards and have been audited by
a public accountant registered with the Financial Services
Authority. The annual financial statements contain a
statement regarding accountability for financial statements
as stipulated in the Financial Services Authority Regulation
regarding the responsibility of the Board of Directors for
financial statements or laws and regulations in the capital
market sector which regulate periodic reports of securities
companies in the event that the Issuer is a securities
company.
Surat Pernyataan Anggota Direksi dan Anggota Dewan Komisaris tentang Tanggung Jawab atas Laporan Tahunan / Statement of Members of the
Board of Directors and Members of the Board of Commissioners regarding Responsibility for the Annual Report
Surat pernyataan anggota Direksi dan anggota Dewan
Komisaris tentang tanggung jawab atas Laporan Tahunan
disusun sesuai dengan format Surat Pernyataan Anggota
Direksi dan Anggota Dewan Komisaris tentang Tanggung
Jawab atas Laporan Tahunan sebagaimana tercantum
dalam Lampiran I yang merupakan bagian tidak terpisahkan
dari Surat Edaran Otoritas Jasa Keuangan ini.
Statements of members of the Board of Directors and
members of the Board of Commissioners regarding
responsibility for the Annual Report are prepared in
accordance with the format of Statement Letters
of Members of the Board of Directors and Board of
Commissioners regarding Responsibility for Annual Reports
as listed in Appendix I which is an integral part of this
Financial Services Authority Circular.
460 PT Bank Victoria International Tbk | Laporan Tahunan dan Keberlanjutan 2023
Page 463
PT Bank Victoria International Tbk Laporan keuangan tanggal 31 Desember 2023 dan untuk tahun yang berakhir pada tanggal tersebut beserta laporan auditor independen/ Financial statements as of December 31, 2023 for the year then ended with independent auditor’s report
Page 464
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
LAPORAN KEUANGAN FINANCIAL STATEMENTS
TANGGAL 31 DESEMBER 2023 AS OF DECEMBER 31, 2023
DAN UNTUK TAHUN YANG BERAKHIR PADA AND FOR THE YEAR THEN ENDED
TANGGAL TERSEBUT WITH INDEPENDENT AUDITOR’S REPORT
BESERTA LAPORAN AUDITOR INDEPENDEN
Daftar Isi Table of Contents
Halaman/
Page
Surat Pernyataan Direksi Statement Letter of the Board of Directors
Laporan Auditor Independen Independent Auditor’s Reports
Laporan Posisi Keuangan.............................................. 1-3 .................................. Statement of Financial Position
Laporan Laba Rugi dan ................................................. .................................. Statement of Profit or Loss and
Penghasilan Komprehensif Lain ................................. 4-5 ................................ Other Comprehensive Income
Laporan Perubahan Ekuitas .......................................... 6-7 ................................. Statement of Changes in Equity
Laporan Arus Kas ......................................................... 8-9 ........................................... Statement of Cash Flows
Catatan atas Laporan Keuangan ................................... 10-174 .............................. Notes to the Financial Statements
************************
Page 465
Page 466
Page 467
Page 468
Page 469
Page 470
Page 471
Page 472
Page 473
Page 474
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
Tanggal 31 Desember 2023 As of December 31, 2023
(Dinyatakan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
31 Desember 2023/ Catatan/ 31 Desember 2022/
December 31, 2023 Notes December 31, 2022*)
ASET ASSETS
Kas 92.820.864 2d,2i,4 51.897.124 Cash
Current accounts
Giro pada Bank Indonesia 1.493.076.850 2d,2j,5 1.506.565.848 with Bank Indonesia
Giro pada bank lain 296.298.919 2d,2j, 228.384.427 Current accounts with other banks
Dikurangi: Cadangan kerugian 2g,6 Less: Allowance for
penurunan nilai (1.726) - impairment losses
296.297.193 228.384.427
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 916.367.530 2d,2g, 858.340.530 and other banks
Dikurangi: Cadangan kerugian 2k,7 Less: Allowance for
penurunan nilai (998.782) (13.015) impairment losses
915.368.748 858.327.515
Efek-efek 6.285.563.736 2d,2g, 4.818.553.397 Marketable securities
Dikurangi: Cadangan kerugian 2l,8 Less: Allowance for
penurunan nilai (8.271.969) (8.862.949) impairment losses
6.277.291.767 4.809.690.448
Efek-efek yang dibeli dengan Securities purchased under
janji dijual kembali 636.732.554 2d,2n,9 839.432.375 resale agreement
Pendapatan bunga dan syariah Interest and sharia
yang masih akan diterima 386.167.151 2d,2g,10 416.231.152 income receivables
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (17.759.228) (24.551.373) impairment losses
368.407.923 391.679.779
Pinjaman yang diberikan, 2d,2g Loans, sharia financing
pembiayaan dan piutang syariah and receivables
Pihak berelasi 143.896.441 2m,11 73.265.683 Related parties
Pihak ketiga 18.484.846.736 15.751.345.408 Third parties
18.628.743.177 15.824.611.091
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (574.872.202) (538.118.251) impairment losses
18.053.870.975 15.286.492.840
Tagihan akseptasi 12.474.839 2o 7.754.446 Acceptence receivables
Penyertaan saham 215.930.505 2p,12 242.104.323 Investments in shares
Biaya dibayar dimuka 25.465.024 2t,13 19.714.677 Prepaid expenses
Aset tetap dan aset hak guna 505.086.595 2q,14 544.733.377 Fixed assets and right-of-use assets
Dikurangi: Akumulasi penyusutan (81.859.391) (73.880.350) Less: Accumulated depreciation
423.227.204 470.853.027
Agunan yang diambil alih 802.486.682 2g,2s,15 1.237.844.890 Foreclosed assets
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (251.870.489) (306.834.651) impairment losses
550.616.193 931.010.239
*) Konsolidasian sampai dengan divestasi entitas anak pada tanggal Consolidation until the date of divestment of subsidiary on *)
22 Desember 2022 (Lihat Catatan 48) December 22, 2022 (See Note 48)
Catatan atas laporan keuangan terlampir merupakan bagian The accompanying notes form an integral part of these
integral dari laporan keuangan ini. financial statements.
1
Page 475
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
LAPORAN POSISI KEUANGAN (lanjutan) STATEMENT OF FINANCIAL POSITION (continued)
Tanggal 31 Desember 2023 As of December 31, 2023
(Dinyatakan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
31 Desember 2023/ Catatan/ 31 Desember 2022/
December 31, 2023 Notes December 31, 2022*)
ASET (lanjutan) ASSETS (continued)
Aset tak berwujud - bersih 8.192.813 2r,16 2.531.184 Intangible assets - net
Aset pajak tangguhan - bersih 163.003.926 2ab,22c 197.607.333 Deferred tax assets - net
Aset lain-lain 103.819.813 2t,17 102.279.016 Other assets
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (12.356.770) (14.323.476) impairment losses
91.463.043 87.955.540
JUMLAH ASET 29.624.240.421 25.932.001.125 TOTAL ASSETS
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Simpanan nasabah 2d,2u,18 Deposit from customers
- Pihak berelasi 1.397.970.027 387.327.309 Related parties -
- Pihak ketiga 21.031.210.465 18.984.510.328 Third parties -
22.429.180.492 19.371.837.637
Simpanan dari bank lain 2d,2u,19 Deposits from other banks
- Pihak berelasi 478.732 167.870 Related parties -
- Pihak ketiga 1.104.324.627 1.334.784.750 Third parties -
1.104.803.359 1.334.952.620
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali 643.266.730 2d,2n,20 240.865.160 repurchase agreement
Efek-efek yang diterbitkan 1.347.639.528 2v,21 1.051.903.552 Securities issued
Utang Akseptasi 11.959.811 2o - Acceptance payables
Utang pajak 2ab,22a Taxes payable
- Pajak penghasilan badan - 16.049.378 Corporate income tax -
- Pajak lainnya 29.310.442 14.792.095 Other taxes -
29.310.442 30.841.473
Liabilitas imbalan kerja karyawan 39.837.511 2ac,24b 40.196.622 Employee benefits obligation
Akrual dan liabilitas lain-lain 193.457.538 2d,23 160.940.580 Accruals and other liabilities
JUMLAH LIABILITAS 25.799.455.411 22.231.537.644 TOTAL LIABILITIES
*) Konsolidasian sampai dengan divestasi entitas anak pada tanggal Consolidation until the date of divestment of subsidiary on *)
22 Desember 2022 (Lihat Catatan 48) December 22, 2022 (See Note 48)
Catatan atas laporan keuangan terlampir merupakan bagian The accompanying notes form an integral part of these
integral dari laporan keuangan ini. financial statements.
2
Page 476
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
LAPORAN POSISI KEUANGAN (lanjutan) STATEMENT OF FINANCIAL POSITION (continued)
Tanggal 31 Desember 2023 As of December 31, 2023
(Dinyatakan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
31 Desember 2023/ Catatan/ 31 Desember 2022/
December 31, 2023 Notes December 31, 2022*)
LIABILITAS DAN EKUITAS (lanjutan) LIABILITIES AND EQUITY (continued)
EKUITAS EQUITY
Ekuitas yang dapat diatribusikan Equity attributable to equity holders
kepada pemilik entitas induk of the parent entity
Modal saham - nilai nominal Rp100 Share capital - par value
(nilai penuh) per saham Rp100 (full amount) per share
Modal dasar - Authorised capital –
41.000.000.000 lembar saham 41,000,000,000 shares as of
pada 31 Desember 2023 dan 2022 December 31, 2023, and 2022
Modal ditempatkan dan disetor Issued and fully paid
penuh - 15.848.235.778 capital -15,848,235,778
dan 15.848.234.714 and 15,848,234,714
masing-masing saham pada shares as of
tanggal 31 Desember 2023 December 31, 2023
dan 2022 1.584.823.578 25 1.584.823.471 and 2022, respectively
Tambahan modal disetor 668.684.728 26 670.584.856 Additional paid-in capital
Kerugian yang belum Unrealised loss on changes in
direalisasi atas perubahan nilai wajar fair value of marketable
efek-efek yang diukur pada securities measured at fair value
nilai wajar melalui penghasilan through other comprehensive
komprehensif lain, setelah pajak (16.832.287) 2d,2l (38.589.677) income, net of tax
Surplus revaluasi aset tetap, Gain on revaluation of
setelah pajak 382.456.152 14 382.456.152 fixed assets, net of tax
Pengukuran kembali atas liabilitas Remeasurements on employee
imbalan kerja, setelah pajak 19.466.902 16.819.083 benefit liabilities, net of tax
Saldo laba: Retained earnings:
- Telah ditentukan penggunaannya 202.200.000 27 177.200.000 Appropriated -
- Belum ditentukan penggunaannya 983.985.937 907.169.596 Unappropriated -
JUMLAH EKUITAS 3.824.785.010 3.700.463.481 TOTAL EQUITY
JUMLAH LIABILITAS DAN EKUITAS 29.624.240.421 25.932.001.125 TOTAL LIABILITIES AND EQUITY
*) Konsolidasian sampai dengan divestasi entitas anak pada tanggal Consolidation until the date of divestment of subsidiary on *)
22 Desember 2022 (Lihat Catatan 48) December 22, 2022 (See Note 48)
Catatan atas laporan keuangan terlampir merupakan bagian The accompanying notes form an integral part of these
integral dari laporan keuangan ini. financial statements.
3
Page 477
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
LAPORAN LABA RUGI DAN PENGHASILAN STATEMENT OF PROFIT OR LOSS AND
KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
Untuk Tahun Yang Berakhir For the Year Ended December 31, 2023
Pada Tanggal 31 Desember 2023 (Expressed in Thousands of Rupiah,
(Dinyatakan dalam Ribuan Rupiah, Unless Otherwise Stated)
Kecuali Dinyatakan Lain)
Tahun yang Berakhir pada Tanggal 31 Desember/
Year Ended December 31,
Catatan/
2023 Notes 2022*)
PENDAPATAN DAN BEBAN OPERATING INCOME
OPERASIONAL AND EXPENSES
Pendapatan bunga dan syariah Interest and sharia income
Pendapatan bunga 1.836.391.130 2y, 29 1.635.522.726 Interest income
Pendapatan syariah - 2y, 29 69.495.685 Sharia income
1.836.391.130 1.705.018.411
Beban bunga dan syariah (1.257.661.775) 2y, 30 (971.637.742) Interest and sharia expense
Pendapatan bunga dan Interest and
syariah - bersih 578.729.355 733.380.669 sharia income - net
Pendapatan operasional lainnya Other operating income
Pendapatan dari investasi Income from investment in
reksadana 13.292.046 5.133.142 mutual funds
Keuntungan atas penjualan Gains on sale of securities
efek-efek yang diukur pada measured at fair
nilai wajar melalui laba rugi value through
dan penghasilan profit or loss and other
komprehensif lain - bersih 35.431.712 2d 19.273.193 comprehensive income - net
Provisi dan komisi selain dari Fees and commissions from
pinjaman 15.679.319 2z 7.143.802 transactions other than loans
Lain-lain - bersih 188.962.184 31 348.653.086 Others - net
Jumlah pendapatan
operasional lainnya 253.365.261 380.203.223 Total other operating income
Beban operasional lainnya Other operating expenses
Beban penyisihan kerugian Provision for impairment losses
penurunan nilai aset keuangan (242.509.120) 2g,32 (223.959.331) on financial assets
Pembalikan (beban) penyisihan Reversal (provision) for
kerugian penurunan nilai impairment losses on
aset non-keuangan 54.964.162 2h,32 (47.616.890) non-financial assets
Kerugian atas perubahan Loss on changes in fair value of
nilai wajar penyertaan investment in shares measured
saham yang diukur pada nilai at fair value through
wajar melalui laba rugi (31.877.279) 2d, 12 (2.980.457) profit or loss
Keuntungan/(kerugian) yang Unrealised profit/(loss)
belum terealisasi atas on changes in fair value
perubahan nilai wajar efek-efek of securities measured
yang diukur pada nilai at fair value through
wajar melalui laba rugi - bersih 3.930.662 2d (1.263.942) profit or loss - net
General and administrative
Beban umum dan administrasi (158.899.846) 2aa,33 (148.563.568) expenses
Beban tenaga kerja (157.155.510) 2aa,34 (163.030.989) Personnel expenses
Lain-lain (126.476.550) 35 (112.102.276) Others
Jumlah beban operasional lainnya (658.023.481) (699.517.453) Total other operating expenses
LABA OPERASIONAL 174.071.135 414.066.439 PROFIT FROM OPERATIONS
Beban Non-Operasional - Bersih (44.534.907) 36 (57.135.612) Non-Operating Expenses - Net
LABA SEBELUM BEBAN PROFIT BEFORE
PAJAK PENGHASILAN 129.536.228 356.930.827 INCOME TAX EXPENSE
BEBAN PAJAK INCOME TAX
PENGHASILAN - BERSIH (27.719.887) 2ab,22b (130.757.374) BENEFIT - NET
LABA BERSIH NET PROFIT
TAHUN BERJALAN 101.816.341 226.173.453 FOR THE YEAR
*) Konsolidasian sampai dengan divestasi entitas anak pada tanggal Consolidation until the date of divestment of subsidiary on *)
22 Desember 2022 (Lihat Catatan 48) December 22, 2022 (See Note 48)
Catatan atas laporan keuangan terlampir merupakan bagian The accompanying notes form an integral part of these
integral dari laporan keuangan ini. financial statements.
4
Page 478
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
LAPORAN LABA RUGI DAN PENGHASILAN STATEMENT OF PROFIT OR LOSS AND
KOMPREHENSIF LAIN (lanjutan) OTHER COMPREHENSIVE INCOME (continued)
Untuk Tahun Yang Berakhir For the Year Ended December 31, 2023
Pada Tanggal 31 Desember 2023 (Expressed in Thousands of Rupiah,
(Dinyatakan dalam Ribuan Rupiah, Unless Otherwise Stated)
Kecuali Dinyatakan Lain)
Tahun yang Berakhir pada Tanggal 31 Desember/
Year Ended December 31,
Catatan
2023 Notes 2022*)
PENGHASILAN OTHER COMPREHENSIVE
KOMPREHENSIF LAIN INCOME
Pos-pos yang akan direklasifikasi Items that would be reclassified
ke laba rugi to profit or loss
Perubahan nilai wajar Changes in fair value of
efek-efek yang diukur pada marketable securities
nilai wajar melalui penghasilan measured at fair value through
komprehensif lain 27.894.092 2d,2l (84.273.995) other comprehensive income
Pajak tangguhan terkait (6.136.700) 22c 15.958.836 Related deferred income tax
21.757.392 (68.315.159)
Pos yang tidak akan Items that would never be
direklasifikasi ke laba rugi reclassified to profit or loss
Pengukuran kembali atas Remeasurements on
liabilitas imbalan kerja 3.394.639 24 (2.230.737) employee benefit liabilities
Pajak tangguhan terkait (746.821) 22c 307.249 Related deferred income tax
2.647.818 (1.923.488)
PENGHASILAN (RUGI) OTHER COMPREHENSIVE
KOMPREHENSIF LAIN, INCOME (LOSS), NET OF
SETELAH PAJAK PENGHASILAN 24.405.210 (70.238.647) INCOME TAX
JUMLAH PENGHASILAN TOTAL COMPREHENSIVE
KOMPREHENSIF 126.221.551 155.934.806 INCOME
Laba bersih yang dapat Net income
diatribusikan kepada: attributable to:
Pemilik entitas induk 101.816.341 226.173.453 Equity holders of the parent entity
Kepentingan nonpengendali - 2c,42 - Non-controlling interest
101.816.341 226.173.453
Penghasilan komprehensif Comprehensive imcome
yang dapat diatribusikan kepada: attributable to:
Pemilik entitas induk 126.221.551 155.934.806 Equity holders of the parent entity
Kepentingan nonpengendali - 2c,42 - Non-controlling interest
126.221.551 155.934.806
LABA BERSIH PER SAHAM INCOME PER SHARE
YANG DAPAT DIATRIBUSIKAN ATTRIBUTABLE TO ENTITY
KEPADA PEMILIK HOLDERS OF THE
ENTITAS INDUK PARENT ENTITY
Dasar (Rupiah penuh) 6,42 2ad,37 19,17 Basic (full Rupiah)
Dilusian (Rupiah penuh) 6,42 2ad,37 19,17 Diluted (full Rupiah)
*) Konsolidasian sampai dengan divestasi entitas anak pada tanggal Consolidation until the date of divestment of subsidiary on *)
22 Desember 2022 (Lihat Catatan 48) December 22, 2022 (See Note 48)
Catatan atas laporan keuangan terlampir merupakan bagian The accompanying notes form an integral part of these
integral dari laporan keuangan ini. financial statements.
5
Page 479
The original financial statements included herein are in Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
LAPORAN PERUBAHAN EKUITAS STATEMENT OF CHANGES IN EQUITY
Untuk Tahun yang Berakhir pada For the Year Ended
Tanggal 31 Desember 2023 December 31, 2023
(Disajikan dalam Ribuan Rupiah, Kecuali Dinyatakan Lain) (Expressed in Thousands of Rupiah, Unless Otherwise Stated)
Keuntungan
(kerugian) yang
belum
direalisasi atas
perubahan nilai
wajar efek-efek
yang diukur
pada nilai wajar
melalui
penghasilan
komprehensif
lain - setelah
pajak
tangguhan/
Unrealised gains
(loss) on
changes in fair
value of
marketable Pengukuran
Surplus kembali atas Saldo laba/
securities
revaluasi aset liabilitas imbalan Retained earnings
Modal measured at fair
ditempatkan tetap - setelah kerja - setelah Kepentingan
value through pajak/ pajak/
dan disetor Setoran modal other non
penuh/ Tambahan diterima Gain on Remeasurements Telah Belum pengendali/
Issued and modal disetor/ dimuka/Capital comprehensive revaluation of on employee ditentukan ditentukan Non- Jumlah
Catatan/ fully paid Additional received in income - net of fixed assets - benefit liabilities - penggunaannya/ penggunaannya/ Jumlah/ controlling ekuitas/
Notes capital paid-in capital advance tax net of tax net of tax Appropriated Unappropriated Total interest Total equity
Saldo per 1 Januari 2023 1.584.823.471 670.584.856 - (38.589.677) 382.456.152 16.819.083 177.200.000 907.169.596 3.700.463.481 - 3.700.463.481 Balance as of January 1, 2023
Dana setoran modal 25 107 - - - - - - - 107 - 107 Capital deposit fund
Biaya emisi efek - (1.900.128) - - - - - - (1.900.128) - (1.900.128) Issuance cost
Penghasilan komprehensif lain: Other comprehensive income:
Aset keuangan yang diukur Financial assets measured at
pada nilai wajar melalui fair value through other
penghasilan komprehensif comprehensive income,
lain, setelah pajak - - - 21.757.390 - - - - 21.757.390 - 21.757.390 net of tax
Remeasurements
Pengukuran kembali atas liabilitas on employee benefit
imbalan kerja, setelah pajak 24 - - - - - 2.647.819 - - 2.647.819 - 2.647.819 liabilities, net of tax
Pembentukan cadangan umum 28 - - - - - - 25.000.000 (25.000.000) - - - Appropriation for general reserve
Laba bersih tahun berjalan - - - - - - - 101.816.341 101.816.341 - 101.816.341 Net income for the year
Balance as of
Saldo per 31 Desember 2023 1.584.823.578 668.684.728 - (16.832.287) 382.456.152 19.466.902 202.200.000 983.985.937 3.824.785.010 - 3.824.785.010 December 31, 2023
Catatan atas laporan keuangan terlampir merupakan bagian integral dari laporan keuangan ini. The accompanying notes form an integral part of these financial statements.
6
Page 480
The original financial statements included herein are in Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
LAPORAN PERUBAHAN EKUITAS (lanjutan) STATEMENT OF CHANGES IN EQUITY (continued)
Untuk Tahun yang Berakhir pada For the Year Ended
Tanggal 31 Desember 2023 December 31, 2023
(Disajikan dalam Ribuan Rupiah, Kecuali Dinyatakan Lain) (Expressed in Thousands of Rupiah, Unless Otherwise Stated)
Keuntungan
(kerugian) yang
belum
direalisasi atas
perubahan nilai
wajar efek-efek
yang diukur
pada nilai wajar
melalui
penghasilan
komprehensif
lain - setelah
pajak
tangguhan/
Unrealised gains
(loss) on
changes in fair
value of Saldo laba/
marketable Pengukuran Retained earnings
Surplus kembali atas
securities
revaluasi aset liabilitas imbalan
Modal measured at fair
ditempatkan tetap - setelah kerja - setelah Kepentingan
value through pajak/ pajak/
dan disetor Setoran modal other non
penuh/ Tambahan diterima Gain on Remeasurements Telah Belum pengendali/
Issued and modal disetor/ dimuka/Capital comprehensive revaluation of on employee ditentukan ditentukan Non- Jumlah
Catatan/ fully paid Additional received in income - net of fixed assets - benefit liabilities - penggunaannya/ penggunaannya/ Jumlah/ controlling ekuitas/
Notes capital paid-in capital advance tax net of tax net of tax Appropriated Unappropriated Total interest Total equity
Saldo per 1 Januari 2022 1.048.713.257 407.785.927 278.000.000 18.283.309 382.456.152 20.973.059 186.356.165 671.839.978 3.014.407.847 17.327 3.014.425.174 Balance as of January 1, 2022
Dana setoran modal 25,26 536.110.214 268.055.108 (278.000.000) - - - - - 526.165.322 - 526.165.322 Capital deposit fund
Appropriation for
Biaya emisi efek - (4.287.797) - - - - - - (4.287.797) - (4.287.797) general reserve
Penghasilan komprehensif lain: Other comprehensive income:
Aset keuangan yang diukur Financial assets measured at
pada nilai wajar melalui fair value through other
penghasilan komprehensif comprehensive income,
lain, setelah pajak - - - (68.315.159) - - - - (68.315.159) - (68.315.159) net of tax
Remeasurements
Pengukuran kembali atas liabilitas on employee benefit
imbalan kerja, setelah pajak 24 - - - - - (1.923.488) - - (1.923.488) (1.923.488) liabilities, net of tax
Transaksi kombinasi bisnis Business combination transaction
entitas sepengendali 48 - (968.382) - - - - - - (968.382) - (968.382) with under common control
Laba bersih tahun berjalan - - - - - - - 226.173.453 226.173.453 - 226.173.453 Net income for the year
Dampak kehilangan pengendalian Loss of control
entitas anak 48 - - - 11.442.173 - (2.230.488) (9.156.165) 9.156.165 9.211.685 (17.327) 9.194.358 on subsidiary
Balance as of
Saldo per 31 Desember 2022 1.584.823.471 670.584.856 - (38.589.677) 382.456.152 16.819.083 177.200.000 907.169.596 3.700.463.481 - 3.700.463.481 December 31, 2022
Catatan atas laporan keuangan terlampir merupakan bagian integral dari laporan keuangan ini. The accompanying notes form an integral part of these financial statements.
7
Page 481
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
LAPORAN ARUS KAS STATEMENT OF CASH FLOWS
Untuk Tahun Yang Berakhir For the Year Ended
Pada Tanggal 31 Desember 2023 December 31, 2023
(Dinyatakan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
Tahun yang Berakhir pada Tanggal 31 Desember/
Year Ended December 31,
Catatan
2023 Notes 2022*)
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS OPERASI OPERATING ACTIVITIES
Penerimaan dari pendapatan Receipt from interest and sharia
bunga dan syariah dan komisi 1.866.455.131 1.585.072.007 income and commissions
Payment of interest
Pembayaran bunga dan syariah (1.241.689.538) (936.209.912) and sharia expense
Penerimaan dari pendapatan Receipt from other
operasional lainnya 253.716.401 363.010.679 operating income
Penerimaan dari penjualan Receipt from sale
agunan yang diambil alih 385.438.160 14.100.990 of foreclosed assets
Pembayaran beban umum Payment of general and
dan administrasi (135.297.898) (118.616.627) administrative expenses
Pembayaran beban tenaga kerja (161.897.333) (132.899.824) Payment of personnel expenses
Pembayaran beban Payments of other
operasional lainnya (128.942.847) (62.433.855) operating expenses
Pendapatan (pembayaran) Receipt (payment) of other
non-operasional lainnya 3.870.773 (28.897.837) non-operating income
Pembayaran pajak penghasilan (16.049.378) - Payment of income tax
825.603.471 683.125.621
(Kenaikan)/penurunan dalam (Increase)/decrease in
aset operasi: operating assets:
Pinjaman yang diberikan (3.012.792.297) (1.435.674.433) Loans
Efek-efek yang dibeli dengan Securities purchased
janji dijual kembali 202.699.821 9 (148.717.805) under resale agreements
Beban dibayar dimuka (5.750.347) (12.026.402) Prepaid expenses
Penyertaan saham 26.173.818 147.361.993 Investments in shares
Aset hak guna (21.754.778) (26.880.935) Right-of-use assets
Aset lain-lain 9.055.375 (20.283.799) Other assets
Kenaikan/(penurunan) dalam Increase/(decrease) on
kewajiban operasi operating liabilities:
Simpanan nasabah 3.057.342.854 1.299.895.991 Deposits from customers
Simpanan dari bank lain (230.149.261) 326.161.686 Deposits from other banks
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali 402.401.570 20 240.865.160 repurchase agreements
Utang akseptasi 11.959.811 - Acceptance payables
Utang pajak lainnya 14.518.346 22a 3.224.742 Other tax payables
Arus kas bersih diperoleh Cash flow provided from
dari aktivitas operasi 1.279.308.383 1.057.051.819 operating activities
*) Konsolidasian sampai dengan divestasi entitas anak pada tanggal Consolidation until the date of divestment of subsidiary on *)
22 Desember 2022 (Lihat Catatan 48) December 22, 2022 (See Note 48)
Catatan atas laporan keuangan terlampir merupakan bagian The accompanying notes form an integral part of these
integral dari laporan keuangan ini. financial statements.
8
Page 482
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
LAPORAN ARUS KAS (lanjutan) STATEMENT OF CASH FLOWS (continued)
Untuk Tahun Yang Berakhir For the Year Ended
Pada Tanggal 31 Desember 2023 December 31, 2023
(Dinyatakan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
Tahun yang Berakhir pada Tanggal 31 Desember/
Year Ended December 31,
Catatan
2023 Notes 2022*)
ARUS KAS DARI AKTIVITAS NET CASH FLOWS FROM
INVESTASI INVESTING ACTIVITIES
Hasil penjualan aset tetap 45.395.525 14 17.287.045 Proceeds from sale of fixed assets
Pembelian aset tetap (16.195.800) 14 (7.526.642) Purchase of fixed assets
Pembelian aset tak berwujud (7.289.250) 16 (1.879.808) Purchase of intangible assets
Pembelian/(penjualan) Purchase/(sale) of marketable
efek-efek (1.435.185.586) (240.818.457) securities
Arus kas bersih digunakan Net cash flow used in
untuk aktivitas investasi (1.413.275.111) (232.937.862) from investing activities
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM
PENDANAAN FINANCING ACTIVITIES
Penambahan modal disetor (1.900.021) 520.909.143 Additional paid-in capital
Penerbitan obligasi 500.000.000 21 - Bonds Issuance
Pinjaman yang diterima - (50.000.000) Loans received
Pelunasan jatuh tempo obligasi (200.000.000) 21 (300.000.000) Bonds repayment
Pembayaran sewa (10.757.017) (10.958.755) Payment for lease
Arus kas bersih diperoleh Net cash flow provided
dari aktivitas pendanaan 287.342.962 159.950.388 from financing activities
KENAIKAN BERSIH KAS NET INCREASE OF
DAN SETARA KAS 153.376.234 984.064.345 CASH AND CASH EQUIVALENTS
KAS DAN SETARA CASH AND CASH EQUIVALENTS
KAS PADA AWAL TAHUN 2.645.187.929 1.886.562.456 AT BEGINNING OF THE YEAR
Dampak kehilangan pengendalian Loss of control on
entitas anak - (225.438.872) subsidiary
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS
PADA AKHIR TAHUN 2.798.564.163 2.645.187.929 AT END OF THE YEAR
Kas dan setara kas terdiri dari: Cash and cash equivalent consist of:
Kas 92.820.864 4 51.897.124 Cash
Current accounts
Giro pada Bank Indonesia 1.493.076.850 5 1.506.565.848 with Bank Indonesia
Current accounts with
Giro pada bank lain 296.298.919 6 228.384.427 other banks
Penempatan pada Bank Placements with
Indonesia dan Bank Bank Indonesia and other
lain dibawah 3 bulan 916.367.530 7b 858.340.530 Banks less than 3 months
Jumlah kas dan setara kas 2.798.564.163 2.645.187.929 Total cash and cash equivalents
*) Konsolidasian sampai dengan divestasi entitas anak pada tanggal Consolidation until the date of divestment of subsidiary on *)
22 Desember 2022 (Lihat Catatan 48) December 22, 2022 (See Note 48)
Catatan atas laporan keuangan terlampir merupakan bagian The accompanying notes form an integral part of these
integral dari laporan keuangan ini. financial statements.
9
Page 483
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
1. INFORMASI UMUM 1. GENERAL INFORMATION
a. Pendirian dan informasi umum a. Establishment and general information
PT Bank Victoria International Tbk (“Bank”) PT Bank Victoria International Tbk (“the Bank”)
didirikan pada tanggal 28 Oktober 1992 was established on October 28, 1992 based on
berdasarkan Akta Notaris A. Partomuan Pohan, Notarial Deed No. 71 of A. Partomuan Pohan,
S.H., LL.M. No. 71 yang selanjutnya diadakan S.H., LL.M., subsequently amended by Deed
pembetulan dengan Akta No. 30 tanggal No. 30 dated June 8, 1993 from the same
8 Juni 1993 dari Notaris yang sama. Akta notary. The deed of establishment was
pendirian tersebut disahkan oleh Menteri approved by the Ministry of Justice of the
Kehakiman Republik Indonesia melalui Surat Republic of Indonesia in its Decision
Keputusan No. C2-4903.HT.01.01.TH 93 Letter No. C2-4903.HT.01.01.TH 93 dated
tanggal 19 Juni 1993 dan telah didaftarkan June 19, 1993 and was registered at the State
pada Kepaniteraan Pengadilan Negeri Jakarta Court Secretary in North Jakarta
Utara No. 342/Leg/1993 tanggal 29 Juni 1993 No. 342/Leg/1993 dated June 29, 1993 also
serta telah diumumkan dalam Berita Negara was published in Supplement No. 2602 to the
Republik Indonesia No. 39, Tambahan State Gazette of the Republic of Indonesia
No. 2602 tanggal 15 Mei 1998. Anggaran Dasar No. 39 dated May 15, 1998. The Bank’s articles
Bank telah beberapa kali mengalami of association has been amended several times,
perubahan, perubahan terakhir Anggaran Dasar and the latest was based on Notarial Deed
dengan Akta No. 7 tanggal 3 Juni 2022 yang No. 7 dated June 3, 2022 of Fatihah Helmi,
dibuat dihadapan Fathiah Helmi, S.H., Notaris S.H., a notary in Jakarta which has been
di Jakarta yang telah mendapat persetujuan approved by Ministry of Law and
dari Kementerian Hukum dan Hak Asasi Human Rights of the Republic of Indonesia
Manusia Republik Indonesia No. AHU- No. AHU-0037529.AH.01.02.TH 2022 dated
0037529.AH.01.02.Tahun 2022 tanggal 4 Juni June 4, 2022 and has been accepted and
2022 dan telah diterima dan dicatat dalam recorded in database of Legal Entities
database Sistem Administrasi Badan Hukum Administration System of the Ministry of Law
Kementerian Hukum dan Hak Asasi Manusia and Human Rights of the Republic of Indonesia
Republik Indonesia No. AHU- in its Letter No. AHU-0103473.AH.01.11 dated
0103473.AH.01.11 tanggal 4 Juni 2022. June 4, 2022.
Sesuai dengan pasal 3 anggaran dasar Bank, According to article 3 of the Bank’s articles of
ruang lingkup kegiatan Bank adalah association, the scope of Bank’s activities is to
menjalankan usaha sebagai bank umum sesuai engage in commercial banking activities in
dengan ketentuan dan perundang-undangan accordance with the existing regulations. The
yang berlaku. Bank mulai beroperasi secara Bank commenced its commercial operations on
komersial pada tanggal 5 Oktober 1994 sesuai October 5, 1994 based on the operating
dengan izin usaha yang diberikan oleh Menteri license from the Ministry of Finance of the
Keuangan Republik Indonesia dalam Surat Republic of Indonesia in its Decision Letter
Keputusan No. 402/KMK.017/1994 tanggal No. 402/KMK.017/1994 dated August 10, 1994.
10 Agustus 1994.
Bank telah mendapatkan izin menjadi bank Bank was approved as a foreign exchange bank
devisa pada tanggal 13 Desember 2016 sesuai on December 13, 2016 in accordance with
dengan Surat Kepala Departemen Perizinan Head of Licensing and Banking Information
dan Informasi Perbankan - Otoritas Jasa Department Letter - Financial Services Authority
Keuangan No. S-423/PB.12/2016 dan efektif (“OJK”) No. S-423/PB.12/2016 and effectively
beroperasi menjadi bank devisa pada commenced as a foreign exchange bank on
tanggal 20 Februari 2017. Bank memperoleh February 20, 2017. The Bank obtained a license
izin usaha sebagai pedagang valuta asing as money changer from Bank Indonesia based
dari Bank Indonesia berdasarkan Surat on Letter No. 029/126/UOPM dated March 25,
No. 029/126/UOPM tanggal 25 Maret 1997. 1997.
10
Page 484
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
a. Pendirian dan informasi umum (lanjutan) a. Establishment and general information
(continued)
Kantor Pusat Bank berlokasi di Graha BIP The Bank’s Head Office is located at Graha BIP
Lantai 10, Jalan Gatot Subroto Kav. 23 Jakarta. 10th Floor, Jalan Gatot Subroto Kav. 23 Jakarta.
Bank memiliki kantor pusat, dengan kantor The Bank has operational head office and a
cabang utama, kantor cabang pembantu, dan number of branches, sub-branches, and cash
kantor kas sebagai berikut (tidak diaudit): offices as follows (unaudited):
31 Desember/December 31,
2023 2022
Kantor Pusat 1 1 Head Office
Kantor Cabang 14 14 Branches
Kantor Cabang Pembantu 24 24 Sub-Branches
b. Penawaran umum saham dan penerbitan b. Public offering of the Bank’s shares and
obligasi Bank issuance of bonds
Penawaran umum saham Public offering of shares
Pada tanggal 4 September 1999, Bank On September 4, 1999, the Bank obtained an
memperoleh pernyataan efektif dari Ketua effective notification from the Chairman of the
Badan Pengawas Pasar Modal (Bapepam) Capital Market Supervisory Agency (Bapepam)
melalui Surat No. S-835/PM/1999 untuk through Letter No. S-835/PM/1999 to conduct
melakukan penawaran umum perdana kepada an initial public offering of 250,000,000 shares
masyarakat sejumlah 250.000.000 saham with a par value and an offering price of Rp100
dengan nilai nominal dan harga penawaran (full amount) per share and 80,000,000 Series I
sebesar Rp100 (nilai penuh) per saham dan Warrants. On September 30, 1999, the Bank’s
sejumlah 80.000.000 Waran Seri I. Pada shares have been listed in Jakarta Stock
tanggal 30 September 1999, saham tersebut Exchange.
telah dicatatkan pada Bursa Efek Jakarta.
Pada tanggal 14 Agustus 2000, Bank On August 14, 2000, the Bank obtained an
memperoleh pernyataan efektif dari Ketua effective notification from the Chairman of
Bapepam melalui Surat No.S-2044/PM/2000 Bapepam through Letter No. S-2044/PM/2000
untuk melakukan Penawaran Umum Terbatas to conduct Limited Public Offering (LPO) I to
(PUT) I kepada para pemegang saham dalam issue Preemptive Rights of 614,000,000 shares
rangka penerbitan Hak Memesan Efek Terlebih with a par value of Rp100 (full amount) and an
Dahulu sejumlah 614.000.000 saham dengan offering price of Rp115 (full amount) per share
nilai nominal sebesar Rp100 (nilai penuh) dan and 85,960,000 Series II Warrants. On
harga penawaran sebesar Rp115 (nilai penuh) September 28, 2000, these shares had been
per saham dan sejumlah 85.960.000 Waran listed in Jakarta Stock Exchange. From LPO I,
Seri II. Pada tanggal the shares that were undertaken by the entitled
28 September 2000, saham tersebut telah shareholders was 100,000,000 shares.
dicatatkan pada Bursa Efek Jakarta. Dari PUT I
ini, jumlah yang diambil oleh pemegang saham
yang berhak sejumlah 100.000.000 saham.
Pada tanggal 21 Februari 2003, Bank On February 21, 2003, the Bank obtained an
memperoleh pernyataan efektif dari Ketua effective notification from the Chairman of
Bapepam melalui Surat No. S-36/PM/2003 Bapepam through Letter No. S-36/PM/2003 to
untuk melakukan PUT II dengan Hak Memesan conduct LPO II to issue Pre-emptive Rights of
Efek Terlebih Dahulu sejumlah 705.243.360 705,243,360 shares with a par value and an
saham dengan nilai nominal dan harga offering price of Rp100 (full amount) per share
penawaran sebesar Rp100 (nilai penuh) per and 423,146,016 Series III Warrants.
saham dan sejumlah 423.146.016 Waran Seri
III.
11
Page 485
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
b. Penawaran umum saham dan penerbitan b. Public offering of the Bank’s shares and
obligasi Bank (lanjutan) issuance of bonds (continued)
Penawaran umum saham (lanjutan) Public offering of shares (continued)
Pada tanggal 20 Maret 2003, saham tersebut On March 20, 2003, these shares had been
telah dicatatkan pada Bursa Efek Jakarta. Dari listed in Jakarta Stock Exchange. From LPO II,
PUT II ini, jumlah yang diambil oleh pemegang the shares that were undertaken by the entitled
saham yang berhak sejumlah 400.000.000 shareholders was 400,000,000 shares.
saham.
Pada tanggal 12 September 2006, Bank On September 12, 2006, the Bank obtained an
memperoleh pernyataan efektif dari Ketua effective notification from the Chairman of
Badan Pengawas Pasar Modal dan Lembaga Capital Market and Financial Institutions
Keuangan (Bapepam dan LK) melalui Surat Supervisory Agency (Bapepam and LK) through
No. S-452/BL/2006 untuk melakukan PUT III Letter No. S-452/BL/2006 to conduct LPO III of
sejumlah 670.363.760 saham dengan nilai 670,363,760 shares with a par value of Rp100
nominal sebesar Rp100 (nilai penuh) dan harga (full amount) and an offering price of Rp115 (full
penawaran sebesar Rp115 (nilai penuh) per amount) per share and 469,277,676 Series IV
saham dan sebanyak-banyaknya 469.277.676 Warrants. On July 13, 2006, these shares had
Waran Seri IV. Pada tanggal 13 Juli 2006, been listed in Indonesia Stock Exchange. From
saham tersebut telah dicatatkan pada Bursa LPO III, the shares that were undertaken by the
Efek Indonesia. Dari PUT III ini, jumlah yang entitled shareholders was 670,363,760 shares.
diambil oleh pemegang saham yang berhak
sejumlah 670.363.760 saham.
Pada tanggal 26 Juni 2008, Bank memperoleh On June 26, 2008, the Bank obtained an
pernyataan efektif dari Ketua Bapepam dan LK effective notification from the Chairman
melalui Surat No. S-4114/BL/2008 untuk of Bapepam and LK through Letter
melakukan PUT IV sejumlah 1.167.498.560 No. S-4114/BL/2008 to conduct LPO IV of
saham dengan nilai nominal dan harga 1,167,498,560 shares with a par value and an
penawaran sebesar Rp100 (nilai penuh) per offering price of Rp100 (full amount) per share
saham dan sejumlah 630.449.220 Waran and 630,449,220 Series V Warrants.
Seri V.
Pada tanggal 17 September 2011, Bank On September 17, 2011, the Bank obtained
memperoleh pernyataan efektif dari Ketua an effective notification from the Chairman
Bapepam dan LK melalui Surat of Bapepam and LK through Letter
No. S-6737/BL/2011 untuk melakukan PUT V No. S-6737/BL/2011 to conduct LPO V of
sejumlah 1.954.919.259 saham dengan nilai 1,954,919,259 shares with a par value and an
nominal dan harga penawaran sebesar Rp100 offering price of Rp100 (full amount) per share
(nilai penuh) per saham dan sejumlah and 1,448,939,990 Series VI Warrants.
1.448.939.990 Waran Seri VI.
Berikut adalah kronologis jumlah modal saham The chronological overview of total issued and
yang ditempatkan dan disetor penuh serta fully paid capital and shares listed at stock
saham yang dicatatkan pada bursa efek di exchange in Indonesia from Initial Public
Indonesia sejak Penawaran Umum Perdana Offering up to December 31, 2023 is as follows:
sampai dengan tanggal 31 Desember 2023:
Jumlah saham/
Number of shares
Saham yang berasal dari Penawaran Umum Shares from Initial Public
Perdana pada tahun 1999 250.000.000 Offering in 1999
Saham yang berasal dari pendiri 250.000.000 Founder’s shares
Saham yang berasal dari kapitalisasi Shares from capitalisation of
saldo laba 34.000.000 retained earnings
12
Page 486
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
b. Penawaran umum saham dan penerbitan b. Public offering of the Bank’s shares and
obligasi Bank (lanjutan) issuance of bonds (continued)
Penawaran umum saham (lanjutan) Public offering of shares (continued)
Berikut adalah kronologis jumlah modal saham The chronological overview of total issued and
yang ditempatkan dan disetor penuh serta fully paid capital and shares listed at stock
saham yang dicatatkan pada bursa efek di exchange in Indonesia from Initial Public
Indonesia sejak Penawaran Umum Perdana Offering up to December 31, 2023 is as follows:
sampai dengan tanggal 31 Desember 2023: (continued)
(lanjutan)
Jumlah saham/
Number of shares
Saham yang berasal dari Penawaran Umum Shares from Limited Public Offering with
Terbatas I dengan Hak Memesan Efek Preemptive Rights
Terlebih Dahulu pada tahun 2000 100.000.000 (Rights Issue) I in 2000
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri I dan II pada tahun 2002 66.793.400 Series I and II Warrants in 2002
Saham yang berasal dari Penawaran Umum Shares from Limited Public Offering
Terbatas II dengan Hak Memesan Efek with Preemptive Rights
Terlebih Dahulu pada tahun 2003 400.000.000 (Rights Issue) II in 2003
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri III pada tahun 2004 193.799.960 Series III Warrants in 2004
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri III pada tahun 2006 46.200.000 Series III Warrants in 2006
Saham yang berasal dari Penawaran Umum Shares from Limited Public Offering
Terbatas III dengan Hak Memesan Efek with Preemptive Rights
Terlebih Dahulu pada tahun 2006 670.363.760 (Rights Issue) III in 2006
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri IV pada tahun 2007 323.840.000 Series IV Warrants in 2007
Saham yang berasal dari Penawaran Umum Shares from Limited Public Offering
Terbatas IV dengan Hak Memesan Efek with Preemptive Rights
Terlebih Dahulu pada tahun 2008 1.167.498.560 (Rights Issue) IV in 2008
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri IV dan V pada tahun 2009 344.244.500 Series IV and V Warrants in 2009
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri IV dan V pada tahun 2010 249.707.135 Series IV and V Warrants in 2010
Saham yang berasal dari Penawaran Umum Shares from Limited Public Offering
Terbatas V dengan Hak Memesan Efek with Preemptive Rights
Terlebih Dahulu pada tahun 2011 1.954.919.259 (Rights Issue) V in 2011
Saham yang berasal dari Penerbitan Saham
Tanpa Hak Memesan Efek Terlebih Shares from Issuance of Shares without
Dahulu pada tahun 2011 414.580.000 Preemptive Rights in 2011
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri IV dan V pada tahun 2011 81.724.314 Series IV and V Warrants in 2011
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri V dan VI pada tahun 2012 56.673.554 Series V and VI Warrants in 2012
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri V dan VI pada tahun 2013 25.923.831 Series V and VI Warrants in 2013
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri VI pada tahun 2014 508.898.707 Series VI Warrants in 2014
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri VI pada tahun 2015 300 Series VI Warrants in 2015
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri VI pada tahun 2016 751.486.547 Series VI Warrants in 2016
Saham yang berasal dari Penerbitan Saham Shares from Exercise of
Tanpa Hak Memesan Efek Additional Shares Without
Terlebih Dahulu pada tahun 2016 780.394.335 Preemptive Rights in 2016
Saham yang berasal dari Penerbitan Saham Shares from Exercise of
Tanpa Hak Memesan Efek Additional Shares Without
Terlebih Dahulu pada tahun 2019 280.898.877 Preemptive Rights in 2019
Saham yang berasal dari Penerbitan Saham Shares from Exercise of
Tanpa Hak Memesan Efek Additional Shares Without
Terlebih Dahulu pada tahun 2021 1.535.185.529 Preemptive Rights in 2021
13
Page 487
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
b. Penawaran umum saham dan penerbitan b. Public offering of the Bank’s shares and
obligasi Bank (lanjutan) issuance of bonds (continued)
Penawaran umum saham (lanjutan) Public offering of shares (continued)
Berikut adalah kronologis jumlah modal saham The chronological overview of total issued and
yang ditempatkan dan disetor penuh serta fully paid capital and shares listed at Indonesia
saham yang dicatatkan pada Bursa Efek Stock Exchange from Initial Public Offering up to
Indonesia sejak Penawaran Umum Perdana December 31, 2023 is as follows: (continued)
sampai dengan tanggal 31 Desember 2023:
(lanjutan)
Jumlah saham/
Number of shares
Saham yang berasal dari Penawaran Umum Shares from Limited Public Offering
Terbatas VI dengan Hak Memesan Efek with Preemptive Rights
Terlebih Dahulu pada tahun 2022 2.553.461.919 (Rights Issue) VI in 2022
Saham yang berasal dari Penawaran Umum Shares from Limited Public Offering
Terbatas VII dengan Hak Memesan Efek with Preemptive Rights
Terlebih Dahulu pada tahun 2022 2.807.640.227 (Rights Issue) VII in 2022
Saham yang berasal dari Pelaksanaan Shares from Exercise of
Waran Seri VII pada tahun 2023 1.064 Series VII Warrants in 2023
Jumlah modal saham yang ditempatkan dan
disetor penuh 15.848.235.778*) Total issued and fully paid capital
*) Jumlah modal saham yang ditempatkan dan disetor penuh Number of shares issued and fully paid *)
termasuk 1% saham yang tidak diperdagangkan pada includes 1% of delisted shares in the Indonesia Stock
PT Bursa Efek Indonesia (delisted) sesuai ketentuan Exchange accordance with Government Regulation
Peraturan Pemerintah RI No. 29 tahun 1999. No. 29 Year 1999.
Penawaran umum obligasi Public offering of bonds
Pada tanggal 28 Desember 1999, Bank On December 28, 1999, the Bank obtained an
memperoleh pernyataan efektif dari Ketua effective notification from the Chairman of
Bapepam melalui Surat No. S-2683/PM/1999 Bapepam through Letter No. S-2683/PM/1999
untuk melakukan penawaran umum Obligasi for the public offering of Bank Victoria Bonds I
Bank Victoria I Tahun 2000 sejumlah Year 2000 amounting to Rp100,000,000. On
Rp100.000.000. Pada tanggal 14 Maret 2000, March 14, 2000, the Bonds had been listed in
Obligasi tersebut telah dicatatkan pada Bursa Surabaya Stock Exchange.
Efek Surabaya.
Pada tanggal 9 Maret 2007, Bank memperoleh On March 9, 2007, the Bank obtained an
pernyataan efektif dari Ketua Bapepam dan LK effective notification from the Chairman of
melalui Surat No. S-1080/BL/2007 untuk Bapepam and LK through Letter
melakukan penawaran umum Obligasi Bank No. S-1080/BL/2007 for the public offering of
Victoria II Tahun 2007 dan Obligasi Subordinasi Bank Victoria Bonds II Year 2007 and Bank
Bank Victoria I Tahun 2007 masing-masing Victoria Subordinated Bonds I Year 2007, each
sejumlah Rp200.000.000. Pada tanggal amounting to Rp200,000,000. On March 22,
22 Maret 2007, Obligasi-obligasi tersebut telah 2007, the Bonds had been listed in Indonesia
dicatatkan pada Bursa Efek Indonesia. Stock Exchange.
Pada tanggal 19 September 2012, Bank On September 19, 2012, the Bank obtained
memperoleh pernyataan efektif dari an effective notification from the Chairman
Ketua Bapepam dan LK melalui Surat of Bapepam and LK through Letter
No. S-7574/BL/2012 untuk melakukan No. S-7574/BL/2012 for the public offering
penawaran umum Obligasi Bank Victoria III of Bank Victoria Bonds III Year 2012 and
Tahun 2012 dan Obligasi Subordinasi Bank Bank Victoria Subordinated Bonds II
Victoria II Tahun 2012 masing-masing sejumlah Year 2012, amounting to Rp200,000,000
Rp200.000.000 dan Rp300.000.000. Pada and Rp300,000,000, respectively. On
tanggal 28 September 2012, Obligasi-obligasi September 28, 2012, the Bonds had been listed
tersebut telah dicatatkan pada Bursa Efek in Indonesia Stock Exchange.
Indonesia.
14
Page 488
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
b. Penawaran umum saham dan penerbitan b. Public offering of the Bank’s shares and
obligasi Bank (lanjutan) issuance of bonds (continued)
Pada tanggal 21 September 2017, Bank On September 21, 2017, the Bank obtained the
memperoleh pernyataan efektif dari Dewan notice of effectivity from Financial Services
Komisioner Otoritas Jasa Keuangan (“OJK”) Authority Board of Commissioner through Letter
melalui Surat No. S-340/D.04/2017 untuk No. S-340/D.04/2017 for the public offering of
melakukan penawaran umum Obligasi Continuing Bonds I Bank Victoria Phase I year
Berkelanjutan I Bank Victoria Tahap I Tahun 2017 and Subordinated Bonds I Bank Victoria
2017 dan Obligasi Subordinasi Berkelanjutan I Phase I Year 2017 in amount of
Bank Victoria Tahap I Tahun 2017 masing- Rp300,000,000 and Rp50,000,000, respectively.
masing sejumlah Rp300.000.000 dan On July 12, 2017, these bonds were listed on
Rp50.000.000. Pada tanggal 12 Juli 2017, the Indonesia Stock Exchange.
Obligasi-obligasi tersebut telah dicatatkan pada
Bursa Efek Indonesia.
Pada tanggal 5 September 2018, Bank On September 5, 2018, Bank continues the
melakukan Penawaran Umum Obligasi Public Offering of Continuing Bonds I Bank
Berkelanjutan I Bank Victoria Tahap II Tahun Victoria Phase II Year 2018 and Subordinated
2018 dan Obligasi Subordinasi Berkelanjutan I Bonds I Bank Victoria Phase II Year 2018. The
Bank Victoria Tahap II Tahun 2018. Obligasi Continuing Bonds offered comprise of 2 (two)
Berkelanjutan yang ditawarkan terdiri dari series, Series A amounted to Rp100,000,000
2 (dua) seri Obligasi, yaitu Seri A and Series B amounted to
sejumlah Rp100.000.000 dan Seri B sejumlah Rp200,000,000, while the Subordinated Bonds
Rp200.000.000, sedangkan Obligasi offered amounted to Rp350,000,000 (refer to
Subordinasi sebesar Rp350.000.000 (lihat Note 21).
Catatan 21).
Pada tanggal 24 September 2019, Bank On September 24, 2019, Bank obtained an
memperoleh pernyataan efektif dari Dewan effective notification from the Chairman of FSA
Komisioner Otoritas Jasa Keuangan (“OJK”) through Letter No. S-85/D.04/2019 for
melalui Surat No. S-85/D.04/2019 untuk continuous offering of Continuing Bonds II
melakukan Penawaran Umum Berkelanjutan Phase I Year 2019 and Bank Victoria
Obligasi Berkelanjutan II Bank Victoria Tahap I Subordinated Bonds II Phase I Year 2019,
Tahun 2019 dan Obligasi Subordinasi which has been listed on the Indonesia Stock
Berkelanjutan II Bank Victoria Tahap I Tahun Exchange on July 1, 2019, amounting to
2019 serta telah dicatatkan pada Bursa Efek Rp100,000,000 and Rp250,000,000,
Indonesia 1 Juli 2019 masing-masing sejumlah respectively.
Rp100.000.000 dan Rp250.000.000.
Pada tanggal 8 November 2019, Bank On November 8, 2019, the Bank issued Bank
menerbitkan Obligasi Subordinasi Berkelanjutan Victoria Continuing Subordinated Bonds II
II Bank Victoria Tahap II Tahun 2019 sebesar Phase II Year 2019 amounting to
Rp150.000.000. Rp150,000,000.
Pada tanggal 1 April 2020, Bank menerbitkan On April 1, 2020, the Bank issued Bank Victoria
Obligasi Subordinasi Berkelanjutan II Bank Continuing Subordinated Bonds II Phase III
Victoria Tahap III Tahun 2020 sebesar Year 2020 amounting to Rp60,000,000.
Rp60.000.000.
15
Page 489
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
b. Penawaran umum saham dan penerbitan b. Public offering of the Bank’s shares and
obligasi Bank (lanjutan) issuance of bonds (continued)
Pada tanggal 28 Februari 2023, Bank On February 28, 2023, the Bank received an
memperoleh pernyataan efektif dari Dewan effective statement from the Financial Services
Komisioner Otoritas Jasa Keuangan ("OJK") Authority's ("OJK") Board of Commissioners
melalui Surat No. S-64/D.04/2023 untuk through Letter No. S-64/D.04/2023 to conduct a
melakukan Penawaran Umum Berkelanjutan Continuing Public Offering of Bank Victoria
Obligasi Berkelanjutan III Bank Victoria Tahap I Continuing Bonds III Phase I Year 2023 Series
Tahun 2023 Seri A dan Obligasi Berkelanjutan A and Bank Victoria Continuing Bonds III Phase
III Bank Victoria Tahap I Tahun 2023 Seri B I Year 2023 Series B, which were listed on the
serta telah dicatatkan pada Bursa Efek Indonesian Stock Exchange on March 10, 2023,
Indonesia pada tanggal 10 Maret 2023 masing- each amounting to Rp300,000,000 and
masing sejumlah Rp300.000.000 dan Rp200,000,000 respectively.
Rp200.000.000.
c. Entitas Anak c. Subsidiaries
Bank merupakan pemegang saham pengendali The Bank is the controlling stockholder and has
dan memiliki pengaruh signifikan atas Entitas a significant control over the Subsidiaries as
Anak sebagai berikut: follows:
Tahun operasi Jumlah aset/
Persentase komersial/ Total Assets
Jenis usaha/ kepemilikan/ Start of 31 Desember/ 31 Desember/
Entitas Anak/ Nature of Percentage of commercial December 31, December 31,
Subsidiary business ownership operations 2023 2022
Reksadana / Mutual Funds:
Batavia Proteksi Reksadana
Andalan 7 Terproteksi 100% - 154.465.120 154.801.103
Mega Dana Reksadana
Terproteksi VIII Terproteksi 100% - 42.485.675 42.491.687
Maybank Dana Reksadana
Terproteksi 1 Terproteksi 99,77% - 44.746.823 44.711.361
Reksadana
BNI AM Proteksi XL VIII Terproteksi - - - 104.207.228
Reksadana terproteksi Reksadana
Sucorinvest Proteksi 8 Terproteksi - - - 100.740.694
Entitas Asosiasi / Associate Entity:
PT Bank Victoria
Syariah Sharia banking 19,81% 1966 - -
Berdasarkan Akta Notaris Veronika Lily Based on Notarial Deed No. 15 dated
Dharma, S.H. No. 15 tanggal 7 September September 7, 2007 of Veronika Lily Dharma,
2007, Notaris di Jakarta, Bank mengakuisisi S.H., a Notary in Jakarta, the Bank acquired
99,80% saham PT Bank Swaguna (“Entitas 99.80% shareholding of PT Bank Swaguna
Anak”). Pada tanggal 13 Desember 2007, Bank (“Subsidiary”). On December 13, 2007, the Bank
melakukan penambahan modal di Entitas Anak had an additional capital in the Subsidiary which
sehingga kepemilikan Bank menjadi 99,98% increased the Bank’s ownership to 99.98%
sesuai dengan Akta Notaris Veronika Lily based on Notarial Deed No. 26 of Veronika Lily
Dharma, S.H. No. 26 tanggal 13 Desember Dharma, S.H. dated December 13, 2007.
2007.
16
Page 490
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
c. Entitas Anak (lanjutan) c. Subsidiaries (continued)
Pada tanggal 30 Maret 2017 dan 18 Desember On March 30, 2017 and December 18, 2017,
2017, setelah mendapatkan persetujuan OJK after obtaining approval from OJK based on
berdasarkan Surat No. S-33/PB.33/2017 Letter No. S-33/PB.33/2017 dated March 30,
tanggal 30 Maret 2017 dan 2017 and No. S-170/PB.33/2017 dated
No. S-170/PB.33/2017 tanggal 18 Desember December 18, 2017, the Bank put additional
2017, Bank melakukan penambahan modal capital of Rp60,000,000,000 and
pada Entitas Anak sebesar Rp60.000.000.000 Rp40,000,000,000 (full amount) into Subsidiary,
dan Rp40.000.000.000 (nilai penuh) sehingga which increase the Bank’s ownership to 99.99%.
kepemilikan Bank menjadi 99,99%.
Pada tanggal 24 Oktober 2019, Bank On October 24, 2019, the Bank put additional
melakukan penambahan modal pada Entitas capital of Rp50,000,000,000 (full amount) into
Anak sebesar Rp50.000.000.000 (nilai penuh) Subsidiary, which increase the Bank’s
sehingga kepemilikan Bank menjadi 99,99% ownership to 99.99% and obtained the approval
dan telah mendapatkan persetujuan OJK from OJK based on Letter No. S-53/PB.33/2019
berdasarkan Surat No. S-53/PB.33/2019 dated October 22, 2019.
tanggal 22 Oktober 2019.
Entitas Anak telah mengalami perubahan nama The Subsidiary changed its name to PT Bank
menjadi PT Bank Victoria Syariah sesuai Victoria Syariah based on Deed No. 5 dated
dengan Akta No. 5 tanggal 6 Agustus 2009 dan August 6, 2009 and No. 24 dated November 27,
Akta No. 24 tanggal 27 November 2009 dari 2009 of Erni Rohaini, S.H., M.B.A., a Notary in
Notaris Erni Rohaini, S.H., M.B.A., Notaris di Jakarta. The notarial deed was approved by the
Jakarta. Akta tersebut telah disetujui oleh Ministry of Law and Human Rights of the
Menteri Hukum dan Hak Asasi Manusia Republic of Indonesia in its Decision Letter
Republik Indonesia dalam Surat Keputusan No. AHU-02731.AH.01.02 Year 2010 dated
No. AHU-02731.AH.01.02. tahun 2010 tanggal January 19, 2010. The changes of subsidiary’s
19 Januari 2010. Perubahan kegiatan usaha business from conventional banking to sharia
bank umum konvensional menjadi bank umum banking was approved by Bank Indonesia based
syariah telah mendapatkan izin dari Bank on the Decision of the Governor of Bank
Indonesia berdasarkan Keputusan Gubernur Indonesia No. 12/8/KEP.GBI/DPG/2010 dated
Bank Indonesia No. 12/8/KEP.GBI/DPG/2010 February 10, 2010. The Subsidiary started its
tertanggal 10 Februari 2010. Selanjutnya, operations as a Sharia Bank on April 1, 2010.
Entitas Anak beroperasi dengan prinsip Syariah
mulai tanggal 1 April 2010.
Pada tanggal 22 Desember 2022, Bank On December 22, 2022, Bank divested 80%
melakukan divestasi 80% kepemilikan di entitas ownership in subsidiary, PT Bank Victoria
anak, PT Bank Victoria Syariah, oleh karena itu Syariah, therefore since December 23, 2022,
sejak 23 Desember 2022, Bank tidak lagi Bank is no longer controlled PT Bank Victoria
mengendalikan PT Bank Victoria Syariah. Lihat Syariah. Refer to Note 48 to the financial
Catatan 48 atas laporan keuangan untuk statements for further explanation on
penjelasan lebih lanjut atas divestasi. divestment.
17
Page 491
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
d. Dewan Komisaris dan Direksi, Komite dan d. Boards of Commissioners and Directors,
Karyawan Committee and Employees
Susunan Dewan Komisaris dan Direksi Bank The composition of the Bank’s Boards of
pada tanggal 31 Desember 2023 dan 2022 Commissioners and Directors as of
adalah sebagai berikut: December 31, 2023 and 2022 are as follows:
31 Desember/December 31,
2023 2022
Dewan Komisaris Board of
Commissioners
Komisaris Utama Zaenal Abidin Zaenal Abidin President
Independen Commissioner
Komisaris Gunawan Gunawan Independent
Independen Tenggarahardja Tenggarahardja Commisioner
Komisaris Sia Leng Ho Sia Leng Ho Commissioner
Direksi Board of Directors
Direktur Utama Achmad Achmad President Director
Friscantono Friscantono
Wakil Direktur Utama Rusli Rusli Vice President Director
Direktur Debora Wahjutirto Debora Wahjutirto Director
Tanoyo Tanoyo
Direktur Lembing Lembing Director
Direktur Kepatuhan Tamunan Tamunan Risk Management
dan Manajemen Risiko and Compliance Director
Susunan Dewan Komisaris dan Direksi pada The composition of the Boards of
tanggal 31 Desember 2023 dan 2022 tersebut Commissioners and Directors as of
di atas telah diterima dan dicatat di dalam December 31, 2023 and 2022 had been
database Sistem Administrasi Badan Hukum accepted and recorded in the database of Legal
Kementerian Hukum dan Hak Asasi Manusia Entities Administration System of the Ministry of
Republik Indonesia berdasarkan Laws and Human Rights of the Republic of
Surat No. AHU-AH.01.09-0067031 tanggal Indonesia in its Letter No. AHU-AH.01.09-
19 Oktober 2022. 0067031 dated October 19, 2022.
Susunan Komite Audit pada tanggal The composition of the Audit Committee as of
31 Desember 2023 dan 2022 adalah sebagai December 31, 2023 and 2022 are as follows:
berikut:
31 Desember/December 31,
2023 2022
Ketua Zaenal Abidin Zaenal Abidin Chairman
Anggota Yozef Yozef Member
Abdulrachman Abdulrachman
Anggota Medi Sejati Medi Sejati Member
Pembentukan Komite Audit Bank telah sesuai Establishment of the Bank’s Audit Committee is
dengan Peraturan Otoritas Jasa Keuangan in compliance with Financial Service Authority
No. 55/POJK.04/2015 tanggal 23 Desember regulation No. 55/POJK.04/2015 dated
2015 tentang Pembentukan dan Pedoman December 23, 2015 regarding Establishment
Pelaksanaan Kerja Komite Audit dan Peraturan and Guideline for Implementation Duty of Audit
Otoritas Jasa Keuangan No. 17 Tahun 2023 Committee and Financial Service Authority
tanggal 14 September 2023 tentang Penerapan regulation No. 17 Year 2023 dated September
Tata Kelola Bagi Bank Umum. 14, 2023 regarding the Implementation of
Governance for Commercial Banks.
18
Page 492
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
d. Dewan Komisaris dan Direksi, Komite dan d. Boards of Commissioners and Directors,
Karyawan (lanjutan) Committee and Employees (continued)
Susunan Komite Pemantau Risiko pada tanggal The composition of the Risk Monitoring
31 Desember 2023 dan 2022 adalah sebagai Committee as of December 31, 2023 and 2022
berikut: are as follows:
31 Desember/December 31,
2023 2022
Ketua Gunawan Gunawan Chairman
Tenggarahardja Tenggarahardja
Anggota Zaenal Abidin Zaenal Abidin Member
Anggota Yozef Yozef Member
Abdulrachman Abdulrachman
Anggota Medi Sejati Medi Sejati Member
Susunan Komite Nominasi dan Remunerasi The composition of the Nomination and
pada tanggal 31 Desember 2023 dan 2022 Remuneration Committee as of December 31,
adalah sebagai berikut: 2023 and 2022 are as follows:
31 Desember/December 31,
2023 2022
Ketua Gunawan Gunawan Chairman
Tenggarahardja Tenggarahardja
Anggota Sia Leng Ho Sia Leng Ho Member
Anggota Syahda Chandra Syahda Chandra Member
Sekretaris Perusahaan dan Kepala Internal The Corporate Secretary and Internal Audit
Audit pada tanggal 31 Desember 2023 dan Head as of December 31, 2023 and 2022 are as
2022 adalah sebagai berikut: follows:
31 Desember/December 31,
2023 2022
Sekretaris Perusahaan Caprie Ardira Caprie Ardira Corporate Secretary
Azhar Azhar
Kepala Internal Audit Djoko Soenjojo Djoko Soenjojo Internal Audit Head
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the Bank
Bank memiliki karyawan masing-masing had 713 dan 688 employees, respectively
sejumlah 713 dan 688 karyawan (tidak diaudit). (unaudited).
e. Pemegang saham akhir e. Ultimate shareholders
Pemegang saham pengendali langsung dan The direct controlling shareholder and ultimate
pemegang saham akhir Bank pada tanggal shareholder of the Bank as of December 31,
31 Desember 2023 dan 2022 adalah masing- 2023 and 2022 are PT Victoria Investama Tbk
masing PT Victoria Investama Tbk dan Suzanna and Suzanna Tanojo, respectively.
Tanojo.
19
Page 493
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL POLICIES INFORMATION
Manajemen Bank bertanggungjawab atas The Bank’s management is responsible for the
penyusunan dan penyajian wajar laporan keuangan preparation and fair presentation of these financial
ini sesuai dengan Standar Akuntansi Keuangan di statements, which were completed and authorised
Indonesia, yang diselesaikan dan diotorisasi untuk for issuance by the Board of Directors of the Bank
diterbitkan oleh Direksi Bank pada tanggal 27 Maret on March 27, 2024.
2024.
Kebijakan akuntansi utama yang diterapkan dalam The principal accounting policies adopted in
penyusunan laporan keuangan adalah seperti preparing the financial statements of the Bank are
dijabarkan di bawah ini: set out below:
a. Dasar penyajian laporan keuangan a. Basis of preparation of the financial
statements
Laporan keuangan disusun sesuai dengan The financial statements were prepared in
dengan Standar Akuntansi Keuangan di accordance with Indonesian Financial
Indonesia yang mencakup Pernyataan dan Accounting Standards issued by the Board of
Interpretasi yang diterbitkan oleh Dewan Financial Accounting Standards of Indonesian
Standar Akuntansi Keuangan Ikatan Akuntan Institute of Accountants and the Board of
Indonesia dan Dewan Standar Akuntansi Syariah Accounting Standards of the
Syariah Ikatan Akuntan Indonesia serta Indonesian Institute of Accountants and the
Peraturan Badan Pengawas Pasar Modal dan Regulation of Badan Pengawas Pasar Modal
Lembaga Keuangan (sekarang Otoritas Jasa dan Lembaga Keuangan (currently the
Keuangan (“OJK”)) No. VIII.G.7 tentang Indonesian Financial Service Authority (“OJK”))
“Penyajian dan Pengungkapan Laporan No. VIII.G.7 regarding “Financial Statements
Keuangan Emiten atau Perusahaan Publik”. Presentation Guidelines”.
Laporan keuangan disusun berdasarkan harga The financial statements have been prepared
perolehan kecuali untuk aset keuangan yang under the historical cost convention, except for
diukur pada nilai wajar melalui pendapatan financial assets measure as fair value through
komprehensif lain (“FVOCI”) dan aset keuangan other comprehensive income (“FVOCI”) and
yang diukur pada nilai wajar melalui laporan financial assets held at fair value through profit
laba rugi (“FVTPL”). Laporan keuangan disusun or loss (“FVTPL”). The financial statements are
berdasarkan akuntansi berbasis akrual, kecuali prepared under the accrual basis of
untuk laporan arus kas. accounting, except for the statement of cash
flows.
Laporan keuangan untuk Entitas Anak yang The financial statements of a Subsidiary
bergerak di bidang Syariah, disusun company engaged in sharia banking are
berdasarkan Pernyataan Standar Akuntansi prepared under the Statement of Financial
Keuangan (PSAK) 101 (Revisi 2016) “Penyajian Accounting Standard (SFAS) 101 (Revised
Laporan Keuangan Syariah”, PSAK 102 (Revisi 2016) “Presentation of Sharia Financial
2019) “Akuntansi Murabahah”, PSAK 104 Statement”, SFAS 102 (Revised 2019),
(Revisi 2016), “Akuntansi Istishna”, PSAK 105, “Murabahah Accounting”, SFAS 104 (Revised
“Akuntansi Mudharabah”, PSAK 106, 2016), “Istishna Accounting”, SFAS 105,
“Akuntansi Musyarakah”, PSAK 107 (Revisi “Mudharabah Accounting”, SFAS 106,
2016), “Akuntansi Ijarah”, PSAK 110 (Revisi “Musyarakah Accounting”, SFAS 107 (Revised
2015) “Akuntansi Sukuk”, PSAK 111, 2016), “Ijarah Accounting”, SFAS 110 (Revised
“Akuntansi Wa’d”, Pedoman Akuntansi 2015) “Sukuk Accounting”, SFAS 111, “Wa’d
Perbankan Syariah Indonesia (“PAPSI”), dan Accounting”, Accounting Guidelines for
Standar Akuntansi Keuangan di Indonesia, Indonesian Sharia Banking (“PAPSI”), and
termasuk pedoman akuntansi dan pelaporan Indonesian Financial Accounting Standards,
yang ditetapkan oleh OJK. including accounting and reporting guidance
issued by OJK.
20
Page 494
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
a. Dasar penyajian laporan keuangan (lanjutan) a. Basis of preparation of the financial
statements (continued)
Seluruh angka dalam laporan keuangan ini, All figures in the financial statements are
kecuali dinyatakan secara khusus, dibulatkan rounded to and stated in thousands of Rupiah,
menjadi dan disajikan dalam ribuan Rupiah unless otherwise stated.
yang terdekat.
Laporan arus kas disusun dengan The statement of cash flows were prepared
menggunakan metode langsung dengan based on the direct method with cash flows
mengelompokkan arus kas dalam aktivitas classified into cash flows from operating,
operasi, investasi, dan pendanaan. Untuk investing, and financing activities. For the
tujuan laporan arus kas, kas dan setara kas purpose of the statement of cash flows, cash
mencakup kas, giro pada Bank Indonesia, giro and cash equivalents include cash, current
pada bank lain, penempatan pada Bank accounts with Bank Indonesia, current accounts
Indonesia dan bank lain, dan Sertifikat Bank with other banks, placements with Bank
Indonesia yang jatuh tempo dalam 3 (tiga) Indonesia and other banks, and Certificates of
bulan atau kurang sejak tanggal perolehan yang Bank Indonesia maturing within
tidak dijaminkan atau dibatasi penggunaannya. 3 (three) months or less from the date of
acquisition and are not pledged or restricted.
Penyusunan laporan keuangan sesuai dengan The preparation of financial statements in
Standar Akuntansi Keuangan di Indonesia accordance with Indonesian Financial
mengharuskan penggunaan estimasi dan Accounting Standards requires the use of
asumsi. Hal tersebut juga mengharuskan estimates and assumptions. It also requires
manajemen untuk membuat pertimbangan management to make judgements in the
dalam proses penerapan kebijakan akuntansi process of implementing the Bank’s accounting
Bank. Area yang kompleks atau memerlukan policies. The area that is complex or requires
tingkat pertimbangan yang lebih tinggi atau area a higher level of consideration or areas where
di mana asumsi dan estimasi dapat berdampak assumptions and estimates could have
signifikan terhadap laporan keuangan a significant impact on the financial statements
diungkapkan di Catatan 3. are disclosed in Note 3.
b. Perubahan kebijakan akuntansi yang b. Change in significant accounting policies
signifikan
Bank menerapkan pertama kali seluruh standar The Bank made first time adoption of all the
baru dan/atau yang direvisi yang berlaku efektif new and/or revised standards effective for the
untuk periode yang dimulai pada atau setelah 1 periods beginning on or after January 1, 2023,
Januari 2023, termasuk standar yang direvisi including the following revised standards that
berikut ini yang mempengaruhi laporan have affected the financial statement:
keuangan:
21
Page 495
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
b. Perubahan kebijakan akuntansi yang b. Change in significant accounting policies
signifikan (lanjutan) (continued)
Amandemen PSAK 1: Penyajian laporan Amendment of PSAK 1: Presentation of
keuangan - Pengungkapan Kebijakan financial statement - Disclosure of
Akuntansi accounting policies
Amandemen ini memberikan panduan untuk This amendments provide guidance to help
membantu entitas menerapkan pertimbangan entities apply materiality judgements to
materialitas dalam pengungkapan kebijakan accounting policy disclosures. The
akuntansi. Amandemen tersebut bertujuan amendments aim to help entities provide
untuk membantu entitas menyediakan accounting policy disclosures that are more
pengungkapan kebijakan akuntansi yang lebih useful by replacing the requirement for entities
berguna dengan mengganti persyaratan dalam to disclose their ‘significant’ accounting policies
mengungkapkan kebijakan akuntansi 'signifikan' with a requirement to disclose their ‘material’
entitas menjadi persyaratan untuk accounting policies and adding guidance on
mengungkapkan kebijakan akuntansi 'material' how entities apply the concept of materiality in
entitas dan menambahkan panduan tentang making decisions about accounting policy
bagaimana entitas menerapkan konsep disclosures.
materialitas dalam membuat keputusan tentang
pengungkapan kebijakan akuntansi.
Amandemen tersebut berdampak pada The amendments have had an impact on the
pengungkapan kebijakan akuntansi Bank, Bank’s disclosures of accounting policies, but
namun tidak berdampak pada pengukuran, not on the measurement, recognition or
pengakuan atau penyajian item apa pun dalam presentation of any items in the Bank’s financial
laporan keuangan Bank. statements.
Amandemen PSAK 25: Kebijakan Akuntansi, Amendment of PSAK 25: Accounting
Perubahan Estimasi Akuntansi, dan Policies, Changes in Accounting Estimates
Kesalahan terkait Definisi Estimasi and Errors - Definition of Accounting
Akuntansi Estimates
Amandemen PSAK 25 memperjelas perbedaan The amendments to PSAK 25 clarify the
antara perubahan estimasi akuntansi, distinction between changes in accounting
perubahan kebijakan akuntansi dan koreksi estimates, changes in accounting policies and
kesalahan. Amandemen juga mengklarifikasi the correction of errors. They also clarify how
bagaimana entitas menggunakan teknik entities use measurement techniques and
pengukuran dan input untuk mengembangkan inputs to develop accounting estimates.
estimasi akuntansi.
The amendments had no impact on the
Amandemen ini tidak memiliki dampak terhadap financial statement.
laporan keuangan.
Amandemen PSAK 46: Pajak Penghasilan Amendment of PSAK 46: Income Taxes
Pajak Tangguhan Terkait Aset dan Liabilitas Deferred Tax related to Assets and Liabilities
Yang Timbul Dari Transaksi Tunggal arising from a Single Transaction
Amandemen PSAK 46 Pajak Penghasilan The amendments to PSAK 46 Income Taxes
mempersempit ruang lingkup pengecualian narrow the scope of the initial recognition
pengakuan awal, sehingga tidak lagi berlaku exception, so that it no longer applies to
pada transaksi yang menimbulkan perbedaan transactions that give rise to equal taxable and
temporer dapat dikurangkan dalam jumlah yang deductible temporary differences such as
sama dan perbedaan temporer kena pajak dan leases and decommissioning liabilities.
seperti sewa dan liabilitas dekomisioning.
Amandemen ini tidak mempunyai dampak The amendments had no impact on the
terhadap laporan keuangan. financial statement.
22
Page 496
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
c. Prinsip konsolidasi c. Basis of consolidation
Laporan keuangan konsolidasian meliputi The consolidated financial statements include
laporan keuangan Bank beserta seluruh Entitas the financial statements of the Bank and its
Anak yang berada di bawah pengendalian Subsidiaries that are controlled by the Bank.
Bank. Entitas Anak adalah entitas (termasuk Subsidiaries are all entities (including
entitas terstruktur) dimana Bank memiliki structured entities) over which the Bank has
pengendalian. Bank mengendalikan entitas lain control. The Bank controls an entity when the
ketika Bank terekspos atas, atau memiliki hak Bank is exposed to, or has rights to, variable
atas imbal hasil variabel dari keterlibatannya returns from its involvement with the Subsidiary
dengan Entitas Anak dan memiliki kemampuan and has the ability to affect those returns
untuk mempengaruhi imbal hasil tersebut through its power over the Subsidiary.
melalui kekuasaannya atas Entitas Anak.
Laporan keuangan dari Entitas Anak The financial statements of Subsidiary are
dimasukkan ke dalam laporan keuangan included in the consolidated financial
konsolidasian sejak tanggal pengendalian statements from the date on which control
dimulai sampai dengan tanggal pengendalian commences until the date when control ceases.
berakhir.
Dampak signifikan dari seluruh transaksi dan The significant effects of all transactions and
saldo antara perusahaan-perusahaan yang balances between the consolidated companies
dikonsolidasikan telah dieliminasi dalam have been eliminated in preparing the
penyajian laporan keuangan konsolidasian, consolidated financial statements, accordingly,
sehingga laporan keuangan konsolidasian the consolidated financial statements include
hanya mencakup transaksi dan saldo dengan only transactions and balances with other
pihak lain. parties.
Kebijakan akuntansi penting yang dipakai The significant accounting policies adopted in
dalam penyajian laporan keuangan preparing the consolidated financial statements
konsolidasian telah diterapkan secara konsisten have been consistently applied by the Bank,
oleh Bank, kecuali dinyatakan secara khusus. unless otherwise stated.
Kepentingan nonpengendali disajikan di ekuitas Non-controlling interest is presented as part of
dalam laporan posisi keuangan konsolidasian equity in the consolidated statements of
dan dinyatakan sebesar proporsi pemegang financial position and represents the non-
saham nonpengendali atas laba tahun berjalan controlling shareholder’s proportionate share in
dan ekuitas Entitas Anak tersebut berdasarkan the net income for the year and equity of the
persentase kepemilikan pemegang saham Subsidiary based on the percentage of
nonpengendali pada Entitas Anak tersebut. ownership of the non-controlling shareholders
in the Subsidiary.
Dalam hal pengendalian terhadap Entitas Anak Where Subsidiary either began or ceased to be
dimulai atau diakhiri dalam suatu tahun controlled during the year, the results of
berjalan, maka hasil usaha Entitas Anak yang operations of those Subsidiaries are included in
diperhitungkan ke dalam laporan keuangan the consolidated financial statements only from
konsolidasian hanya sebatas hasil pada saat the date that the control has commenced or up
pengendalian tersebut mulai diperoleh atau to the date that the control has ceased.
hingga saat pengendalian itu berakhir.
23
Page 497
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan d. Financial assets and liabilities
(i) Aset keuangan (i) Financial assets
Sesuai dengan PSAK 71, terdapat tiga In accordance with SFAS 71, there are
klasifikasi pengukuran aset keuangan: three measurement classifications for
financial assets:
(A) Biaya perolehan diamortisasi; (A) Amortised cost;
(B) Diukur pada nilai wajar melalui laba (B) Fair value through profit or loss
rugi (“FVTPL”); dan (“FVTPL”); and
(C) Diukur pada nilai wajar melalui (C) Fair value through other
penghasilan komprehensif lain comprehensive income (“FVOCI”).
(“FVOCI”).
Aset keuangan diklasifikasikan menjadi Financial assets are classified into these
kategori tersebut di atas berdasarkan categories based on the business model
model bisnis dimana aset keuangan within which they are held and their
tersebut dimiliki dan karakteristik arus kas contractual cash flow characteristics. The
kontraktualnya. Model bisnis merefleksikan business model reflects how groups of
bagaimana kelompok aset keuangan financial assets are managed to achieve
dikelola untuk mencapai tujuan bisnis a particular business objective.
tertentu.
Aset keuangan dapat diukur dengan biaya A financial asset is measured at amortised
perolehan diamortisasi hanya jika cost only if it meets both of the following
memenuhi kedua kondisi berikut dan tidak conditions and it is not designated as at
ditetapkan sebagai FVTPL: FVTPL:
- Aset keuangan dikelola dalam model - The financial assets is held within
bisnis yang bertujuan untuk memiliki a business model whose objective is to
aset keuangan untuk tujuan hold the asset to collect contractual
mendapatkan arus kas kontraktual cash flows (held to collect); and
(held to collect); dan
- Kriteria kontraktual dari aset keuangan - Its contractual terms give rise on
yang pada tanggal tertentu specified dates to cash flows that are
menghasilkan arus kas yang solely payments of principal and
merupakan pembayaran pokok dan interest (“SPPI”) on the principal
bunga semata (“SPPI”) dari jumlah amount outstanding.
pokok terutang.
Suatu aset keuangan diukur pada FVOCI, A financial asset measured at FVOCI only if
hanya jika memenuhi kedua kondisi berikut it meets both of the following conditions and
dan tidak ditetapkan sebagai FVTPL: is not designated as at FVTPL:
- Aset keuangan dikelola dalam model - The financial asset is held within
bisnis yang tujuan tercapai dengan a business model whose objective is
mendapatkan arus kas kontraktual dan achieved by both collecting contractual
menjual aset keuangan (held to collect cash flows and selling the financial
and sell); dan asset (held to collect and sell); and
- Kriteria kontraktual dari aset keuangan - Its contractual terms give rise on
yang pada tanggal tertentu specified dates to cash flows that are
menghasilkan arus kas yang solely payments of principal and
merupakan pembayaran pokok dan interest on the principal amount
bunga semata dari jumlah pokok outstanding.
terutang.
24
Page 498
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilities (continued)
(i) Aset keuangan (lanjutan) (i) Financial assets (continued)
Seluruh aset keuangan yang tidak All financial assets not classified as
diklasifikasikan sebagai diukur dengan measured at amortised cost or FVOCI as
biaya perolehan diamortisasi atau FVOCI described above are measured at FVTPL.
sebagaimana ketentuan di atas diukur
dengan FVTPL.
Aset dapat dijual dari portofolio held to Assets may be sold out of held to collect
collect ketika terdapat peningkatan risiko portfolios where there is an increase in
kredit. Penghentian untuk alasan lain credit risk. Disposals for other reasons are
diperbolehkan namun jumlah penjualan permitted but such sales should be
tersebut harus tidak signifikan jumlahnya insignificant in value or infrequent in nature.
atau tidak sering.
Laba rugi yang belum direalisasi atas aset Unrealised gains or losses of financial
keuangan yang diklasifikasikan sebagai assets held at FVOCI deferred in other
FVOCI ditangguhkan di pendapatan comprehensive income until the asset is
komprehensif lain sampai aset tersebut derecognised.
dihentikan.
Aset keuangan dapat ditetapkan sebagai Financial assets may be designated at
FVTPL hanya jika ini dapat mengeliminasi FVTPL only if doing so eliminates or
atau mengurangi accounting mismatch. reduces accounting mismatch.
Penilaian apakah arus kas kontraktual Assessment of whether contractual
hanya merupakan pembayaran pokok cash flows are solely payments of
dan bunga semata principal and interest
Untuk tujuan penilaian ini, 'pokok' For the purposes of this assessment,
didefinisikan sebagai nilai wajar dari aset ‘principal’ is defined as the fair value of the
keuangan pada pengakuan awal. 'Bunga' financial asset on initial recognition.
didefinisikan sebagai imbalan untuk nilai ‘Interest’ is defined as consideration for the
waktu atas uang dan untuk risiko kredit time value of money and for the credit risk
yang terkait dengan jumlah pokok yang associated with the principal amount
terutang selama periode waktu tertentu dan outstanding during a particular period of
untuk risiko dan biaya pinjaman dasar time and for other basic lending risks and
lainnya (misalnya risiko likuiditas dan biaya costs (e.g. liquidity risk and administrative
administrasi), serta marjin keuntungan. costs), as well as profit margin.
25
Page 499
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilities (continued)
(i) Aset keuangan (lanjutan) (i) Financial assets (continued)
Dalam menilai apakah arus kas kontraktual In assessing whether the contractual cash
adalah SPPI, Bank mempertimbangkan flows are SPPI, the Bank considers the
ketentuan kontraktual instrumen tersebut. contractual terms of the instrument. This
Hal ini termasuk menilai apakah aset includes assessing whether the financial
keuangan mengandung ketentuan asset contains a contractual term that could
kontraktual yang dapat mengubah waktu change the timing or amount of contractual
atau jumlah arus kas kontraktual sehingga cash flows such that it would not meet this
tidak memenuhi kondisi ini. Dalam condition. In making the assessment, the
melakukan penilaian, Bank Bank considers:
mempertimbangkan:
- Kejadian kontinjensi yang akan - Contingent events that would change
mengubah jumlah dan waktu arus kas; the amount and timing of cash flows;
- Fitur leverage; - Leverage features;
- Persyaratan pelunasan dipercepat dan - Prepayment and extension terms;
perpanjangan fasilitas;
- Ketentuan yang membatasi klaim Bank - Terms that limit the Bank’s claim to
atas arus kas dari aset tertentu cash flows from specified assets (e.g.
(seperti pinjaman non-recourse); dan non-recourse loans); and
- Fitur yang memodifikasi imbalan dari - Features that modify consideration of
nilai waktu atas uang (seperti the time value of money (e.g. periodical
penetapan ulang suku bunga berkala). reset of interest rates).
Penilaian model bisnis Business model assessment
Model bisnis mengacu pada bagaimana Business model refers to how financial
aset keuangan dikelola bersama untuk assets are managed together to generate
menghasilkan arus kas untuk Bank. Arus cash flows for the Bank. This may be
kas mungkin dihasilkan dengan menerima collecting contractual cash flows, selling
arus kas kontraktual, menjual aset financial assets or both. Business models
keuangan atau keduanya. Model bisnis are determined at a level of aggregation
ditentukan pada tingkat agregasi di mana where groups of assets are managed
kelompok aset dikelola bersama untuk together to achieve a particular objective
mencapai tujuan tertentu dan tidak and do not depend on management's
bergantung pada niat manajemen pada intentions for individual instruments.
instrumen individual.
Bank menilai model bisnis pada aset The Bank assesses the business model of
keuangan setidaknya pada tingkat lini financial assets at least at business line
bisnis atau pada di mana terdapat variasi level or where there are varying mandates
mandat/tujuan dalam lini bisnis, pada lini or objectives within a business line, at
bisnis produk atau pada tingkat desk yang a more granular product business line or
lebih granular (misalnya sub-portofolio atau desk level (i.e. sub-portfolios or sub-
sub-lini bisnis). business lines).
26
Page 500
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilities (continued)
(i) Aset keuangan (lanjutan) (i) Financial assets (continued)
Penilaian model bisnis (lanjutan) Business model assessment (continued)
Penentuan model bisnis dilakukan dengan Business model determinations are made
mempertimbangkan semua bukti relevan considering all relevant evidence that is
yang tersedia pada tanggal penilaian. Ini available at the date of the assessment.
termasuk, tetapi tidak terbatas pada: This includes, but is not limited to:
- bagaimana kinerja bisnis dan aset - how the performance of the business
keuangan yang ada di dalam unit and the financial assets held within that
bisnis itu dievaluasi dan dilaporkan business unit are evaluated and
kepada manajemen. Tingkat reported to management. The level of
pemisahan yang diidentifikasi untuk segregation identified for SFAS 71
klasifikasi PSAK 71 harus konsisten classification should be consistent with
dengan bagaimana portofolio aset how asset portfolios are segregated
dipisahkan dan dilaporkan kepada and reported to senior management;
manajemen;
- risiko yang mempengaruhi kinerja unit - the risks that affect the performance of
bisnis dan aset keuangan yang dimiliki the business unit and the financial
dalam unit bisnis itu dan khususnya assets held within that business unit
bagaimana risiko itu dikelola; dan and in particular the way those risks
are managed; and
- bagaimana manajer unit bisnis - how managers of the business unit are
dikompensasi (misalnya, apakah compensated (for example, whether
kompensasi didasarkan pada nilai the compensation is based on the fair
wajar dari aset yang dikelola atau pada value of the assets managed or on the
arus kas kontraktual yang contractual cash flows collected).
dikumpulkan).
Penentuan model bisnis dilakukan Business model determinations are made
berdasarkan skenario yang diperkirakan on the basis of scenarios that the Bank
akan terjadi oleh Bank dan tidak dalam reasonably expects to occur and not under
kondisi sangat tertekan atau 'kondisi highly stressed or 'worst case' conditions.
terburuk'. Jika aset dijual dalam kondisi Where assets are disposed of under
yang tidak diharapkan oleh Bank untuk conditions that the Bank did not reasonably
berlaku ketika aset diakui, klasifikasi aset expect to prevail when the assets were
keuangan yang ada dalam portofolio tidak recognised, the classification of existing
disajikan secara tidak akurat, tetapi kondisi financial assets in the portfolio are not
tersebut harus dipertimbangkan untuk aset rendered inaccurate but the conditions in
yang diperoleh di masa mendatang. question should be considered for any
assets acquired going forward.
Pemilihan model operasi dalam PSAK 71 The targeting operating model for SFAS 71
dirancang sedemikian rupa sehingga is designed such that accounting for
akuntansi untuk instrumen di FVTPL instruments at FVTPL is a conscious
adalah pilihan yang tepat/conscious. choice.
27
Page 501
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilities (continued)
(i) Aset keuangan (lanjutan) (i) Financial assets (continued)
Penilaian model bisnis (lanjutan) Business model assessment (continued)
Perubahan pada model bisnis atau Changes to business models or the
pengenalan model bisnis baru ditentukan introduction of new business models are
melalui proses persetujuan unit bisnis baru. determined through the new business unit
approval process.
Bank dapat mereklasifikasi seluruh aset The Bank can reclassified all of its financial
keuangan yang terpengaruh jika dan hanya assets when and only, its business model
jika, model bisnis untuk pengelolaan aset for managing those financial assets
keuangan berubah. changes.
Pengakuan Recognition
Pembelian dan penjualan aset keuangan Regular way purchases and sales of
yang lazim (reguler) diakui pada tanggal financial assets are recognised on the trade
perdagangan dimana Bank memiliki date at which the Bank commits to
komitmen untuk membeli atau menjual aset purchase or sell those assets.
tersebut.
Pada saat pengakuan awal, aset keuangan A financial asset is initially measured at fair
diukur pada nilai wajar ditambah/dikurangi value plus/less (for an item not
(untuk item yang tidak diukur pada nilai subsequently measured at fair value
wajar melalui laba rugi setelah pengakuan through profit or loss) transaction costs that
awal) biaya transaksi yang dapat are directly attributable to the acquisition of
diatribusikan secara langsung atas a financial asset. The subsequent
perolehan aset keuangan. Pengukuran measurement of financial assets depends
aset keuangan setelah pengakuan awal on their classification.
tergantung pada klasifikasi aset keuangan
tersebut.
Biaya transaksi hanya meliputi biaya-biaya Transaction costs include only those costs
yang dapat diatribusikan secara langsung that are directly attributable to the
untuk perolehan suatu aset keuangan dan acquisition of a financial asset are
merupakan biaya tambahan yang tidak incremental costs that would not have been
akan terjadi apabila instrumen keuangan incurred if the instrument had not been
tersebut tidak diperoleh. acquired.
Aset keuangan yang diukur pada nilai Financial assets carried at fair value
wajar melalui laporan laba rugi pada through profit or loss are initially
awalnya dicatat sebesar nilai wajar dan recognised at fair value and transaction
biaya transaksinya dibebankan pada costs are expensed in the profit or loss.
laporan laba rugi.
28
Page 502
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilities (continued)
(ii) Liabilitas keuangan (ii) Financial liabilities
Liabilitas keuangan diklasifikasikan ke Financial liabilities are classified into the
dalam kategori sebagai berikut pada saat following categories at initial recognition:
pengakuan awal:
- Financial liabilities at fair value
- Liabilitas keuangan yang diukur pada
through profit or loss, which has
nilai wajar melalui laporan laba rugi, 2 (two) sub-classifications, i.e., those
yang memiliki 2 (dua) sub-klasifikasi, designed as such upon initial
yaitu liabilitas keuangan yang recognition and those classified as
ditetapkan demikian pada saat held for trading;
pengakuan awal dan liabilitas
keuangan yang telah diklasifikasikan
dalam kelompok diperdagangkan;
- Liabilitas keuangan lain yang tidak - Other financial liabilities that are not
classified as financial liabilities at fair
diklasifikasikan sebagai liabilitas
value through profit or loss are
keuangan yang diukur pada nilai categorized and measured at
wajar melalui laba rugi dikategorikan amortized cost.
dan diukur dengan biaya perolehan
diamortisasi.
Pada saat pengakuan awal, liabilitas A financial liability is initially measured at
keuangan diukur pada nilai wajar fair value plus (for an item not
ditambah (untuk item yang tidak diukur subsequently measured at fair value
pada nilai wajar melalui laba rugi setelah through profit or loss) transaction costs
pengakuan awal) biaya transaksi yang that are directly attributable to financial
dapat diatribusikan secara langsung atas liabilities issuance. The subsequent
perolehan penerbitan liabilitas keuangan. measurement of financial liabilities
Pengukuran liabilitas keuangan setelah depends on their classification.
pengakuan awal tergantung pada
klasifikasi liabilitas keuangan tersebut.
Biaya transaksi hanya meliputi biaya-biaya Transaction costs include only those costs
yang dapat diatribusikan secara langsung that are directly attributable to the
untuk penerbitan suatu liabilitas keuangan issuance of a financial liability and are
dan merupakan biaya tambahan yang incremental costs that would not have
tidak akan terjadi apabila instrumen been incurred if the financial instruments
keuangan tersebut tidak diperoleh atau had not been acquired or issued.
diterbitkan.
Liabilitas keuangan, biaya transaksi Financial liabilities, transaction costs are
dikurangkan dari jumlah utang yang diakui deducted from the amount of debt initially
pada pengakuan awal liabilitas. Biaya recognised. Such transactions costs are
transaksi tersebut diamortisasi selama amortised over the terms of the
umur instrumen berdasarkan metode suku instruments based on the effective interest
bunga efektif dan dicatat sebagai bagian rate method and are recorded as part of
dari beban bunga. interest expense.
Liabilitas keuangan dihentikan Financial liabilities are derecognised when
pengakuannya jika liabilitas yang the obligation under the liability is
ditetapkan dalam kontrak dilepaskan, discharged, cancelled, or has expired.
dibatalkan, atau kadaluarsa.
29
Page 503
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilities (continued)
(ii) Liabilitas keuangan (lanjutan) (ii) Financial liabilities (continued)
Jika suatu liabilitas keuangan yang ada Where an existing financial liability is
digantikan dengan yang lain oleh pemberi replaced by another from the same lender
pinjaman yang sama pada keadaan yang on substantially different terms, or the
secara substansial berbeda, atau terms of an existing liability are
berdasarkan suatu liabilitas yang ada substantially modified, such an exchange
yang secara substansial telah diubah, or modification is treated as derecognition
maka pertukaran atau modifikasi tersebut of the original liability and the recognition
diperlakukan sebagai penghentian of a new liability, and the difference in the
pengakuan liabilitas awal dan pengakuan respective carrying amounts is recognised
liabilitas baru, dan perbedaan nilai tercatat in the profit or loss and other
masing-masing diakui dalam laporan laba comprehensive income.
rugi dan penghasilan komprehensif lain.
(iii) Kontrak modifikasi (iii) Contract modification
Penilaian apakah suatu aset keuangan An assessment of whether a financial
telah dimodifikasi baik secara substansial asset has been modified substantially or
maupun tidak substansial dilakukan oleh not substantially is carried out by a
unit bisnis yang berwenang melakukan business unit whose authorized to modify
modifikasi atau restrukturisasi aset or restructure financial assets, when the
keuangan pada saat unit bisnis tersebut business unit performs modification or
melakukan tindakan modifikasi atau restructure of a financial asset.
restrukturisasi atas suatu aset keuangan.
Modifikasi aset keuangan dianggap Modifications to financial assets are
substansial dan Bank akan berhenti considered substantial and the Bank will
mengakui aset keuangan awal ketika: cease to recognize the original financial
assets when:
(a) aset keuangan (atau bagiannya) (a) the financial asset (or portion thereof)
berakhir, yaitu jika debitur secara expires, that is, if the debtor is legally
hukum dibebaskan dari tanggung jawab released from primary responsibility
utama atas aset tersebut (atau for the asset (or any portion thereof),
bagiannya), baik melalui proses hukum either by legal process or by the
maupun oleh kreditur pembuatan creditor entering into a new credit
kontrak kredit baru (sebagai contoh, contract (for example, the equity
opsi equity conversion); atau conversion option); or
(b) terdapat konversi mata uang. (b) there is a currency conversion.
Bank kemudian akan mengukur aset The Bank will measure the substantially
keuangan yang telah dimodifikasi baik and not substantially modified financial
secara substansial maupun tidak assets as follows:
substansial dengan cara berikut:
(a) Modifikasi Aset Keuangan yang (a) Substantial Modification of Financial
Substansial Assets
1) Saat arus kas kontraktual 1) When the contractual cashflow on
atas aset keuangan direnegosiasi a financial asset is renegotiated or
atau dimodifikasi (antara lain modified (including when a credit
ketika kredit direstrukturisasi) is restructured) and the
dimana renegosiasi atau renegotiation or modification
modifikasi tersebut menghasilkan results in derecognition of the
penghentian pengakuan aset financial asset, therefore the Bank
keuangan, Bank akan mencatat will record the financial asset as a
aset keuangan tersebut sebagai new / modified financial asset on
aset keuangan baru/ modifikasian the modification/ negotiation date.
pada tanggal modifikasi/
negosiasi.
30
Page 504
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilities (continued)
(iii) Kontrak Modifikasi (lanjutan) (iii) Contract Modification (continued)
(a) Modifikasi Aset Keuangan yang (a) Substantial Modification of Financial
Substansial (lanjutan) Assets (continued)
2) Selisih jumlah tercatat bruto aset 2) The difference between the gross
keuangan awal dengan nilai wajar amount of the initial financial
aset modifikasian diakui di laba assets and the fair value of the
rugi. modified assets recorded as profit
or loss.
3) Pendapatan atau biaya transaksi 3) Transaction income or costs
yang terjadi sehubungan dengan incurred in connection with a
kejadian modifikasi diakui sebagai modification event recognized as
bagian dari keuntungan atau part of gain or loss on the
kerugian atas modifikasi tersebut. modification.
4) Selanjutnya, Bank melakukan 4) Next, Bank assess whether
penilaian apakah aset keuangan new/modified financial assets are
baru/modifikasian merupakan assets originating from impaired
aset yang berasal dari aset financial assets.
keuangan memburuk.
5) Pengakuan pendapatan bunga 5) Recognition of interest income on
atas aset yang berasal dari aset assets originating from financial
keuangan memburuk ditentukan assets is calculated based on an
berdasarkan suku bunga efektif effective interest rate adjusted for
yang telah disesuaikan dengan credit risk (risk-adjusted effective
risiko kredit (risk-adjusted interest rate) to discount the cash
effective interest rate) untuk flows of modified financial assets.
mendiskontokan arus kas aset
keuangan yang telah dimodifikasi.
(b) Modifikasi Aset Keuangan yang Tidak (b) Non-Substantial Modification of
Substantial Financial Assets
1. Saat Bank melakukan renegosiasi 1. When the Bank renegotiates or
atau modifikasi arus kas modifies contractual cash flows of
kontraktual atas aset keuangan financial assets (including when
(antara lain ketika kredit loans are restructured) that do not
direstrukturisasi) yang tidak meet the criteria for substantial
memenuhi kriteria modifikasi aset modification of financial assets
keuangan yang substansial di above, the renegotiation or
atas, maka renegosiasi atau modification does not result in
modifikasi tersebut tidak derecognition of the financial
menghasilkan penghentian assets.
pengakuan aset keuangan.
2. Jumlah tercatat bruto aset 2. The gross carrying amount of
keuangan dihitung sebesar nilai financial assets is computed at
kini (net present value) dari arus the net present value of modified
kas kontraktual yang telah or renegotiated contractual cash
dimodifikasi atau direnegosiasi flows, discounted at the original
yang didiskontokan menggunakan effective interest rate.
suku bunga efektif awal.
3. Bank kemudian mengakui 3. The Bank then recognizes the
keuntungan atau kerugian dari gain or loss from the modification
modifikasi (yaitu sebesar (i.e the change in the gross
perubahan jumlah tercatat bruto carrying amount of the financial
aset keuangan) dalam laporan asset) in the profit or loss.
laba rugi.
31
Page 505
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilities (continued)
(iii) Kontrak Modifikasi (lanjutan) (iii) Contract Modification (continued)
(b) Modifikasi Aset Keuangan yang Tidak (b) Non-Substantial Modification of
Substantial (lanjutan) Financial Assets (continued)
4. Pendapatan atau biaya transaksi 4. Transaction income or costs
yang terjadi sehubungan dengan incurred in connection with
kejadian modifikasi diakui sebagai a modification event are
penyesuaian terhadap jumlah recognized as an adjustment to
tercatat aset keuangan yang telah the carrying amount of the
dimodifikasi dan diamortisasi modified financial asset and
selama sisa jangka waktu aset amortised over the remaining term
keuangan modifikasian tersebut. of the modified financial asset.
(iv) Penentuan nilai wajar (iv) Determination of fair value
Nilai wajar adalah harga yang akan diterima Fair value is the price that would be
untuk menjual suatu aset atau harga yang received to sell an asset or paid to transfer
akan dibayar untuk mengalihkan suatu a liability in an orderly transaction between
liabilitas dalam transaksi teratur (orderly market participants at the measurement
transaction) antara pelaku pasar (market date in the principal market or, in its
participants) pada tanggal pengukuran di absence, the most advantageous market to
pasar utama atau, jika tidak terdapat pasar which the Bank has access at that date.
utama, di pasar yang paling The fair value of a liability reflects its non-
menguntungkan dimana Bank memiliki performance risk.
akses pada tanggal tersebut. Nilai wajar
liabilitas mencerminkan risiko
wanprestasinya.
Jika tersedia, Bank mengukur nilai wajar When available, the Bank measures the
instrumen keuangan dengan menggunakan fair value of a financial instrument using
harga kuotasian di pasar aktif untuk the quoted price in an active market for
instrumen tersebut. that instrument.
Instrumen keuangan dianggap memiliki A financial instrument is regarded as
kuotasi di pasar aktif jika harga kuotasi quoted in an active market if quoted prices
tersedia sewaktu-waktu dan dapat are readily and regularly available from an
diperoleh secara rutin dari bursa, pedagang exchange, dealer, broker, industry group,
efek (dealer), perantara efek (broker), pricing service or regulatory agency, and
kelompok industri, badan pengawas those prices represent actual and regularly
(pricing service atau regulatory agency), occurring market transactions on an arm’s
dan harga tersebut mencerminkan length basis. If the above criteria are not
transaksi pasar yang aktual dan rutin dalam met, the market is regarded as being
suatu transaksi yang wajar. Jika kriteria di inactive. Indications that a market is
atas tidak terpenuhi, maka pasar aktif inactive are when there is a wide bid-offer
dinyatakan tidak tersedia. Indikasi-indikasi spread or significant increase in the bid-
dari pasar tidak aktif adalah terdapat selisih offer spread or there are few recent
yang besar antara harga penawaran dan transactions.
permintaan atau kenaikan signifikan dalam
selisih harga penawaran dan permintaan
dan hanya terdapat beberapa transaksi
terkini.
32
Page 506
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilities (continued)
(iv) Penentuan nilai wajar (lanjutan) (iv) Determination of fair value (continued)
Bukti terbaik atas nilai wajar instrumen The best evidence of the fair value of
keuangan pada saat pengakuan awal a financial instrument at initial recognition
adalah harga transaksi, yaitu nilai wajar is normally the transaction price, i.e., the
dari pembayaran yang diberikan atau fair value of the consideration given or
diterima. Jika Bank menetapkan bahwa received. If the Bank determines that the
nilai wajar pada pengakuan awal berbeda fair value at initial recognition differs from
dengan harga transaksi dan nilai wajar the transaction price and the fair value is
tidak dapat dibuktikan dengan harga evidenced neither by a quoted price in an
kuotasian di pasar aktif untuk aset atau active market for an identical asset or
liabilitas yang sejenis atau berdasarkan liability nor based on a valuation
teknik penilaian yang hanya technique that uses only data from
menggunakan data dari pasar yang dapat observable markets, then the financial
diobservasi, maka nilai wajar instrumen instrument is initially measured at fair
keuangan pada saat pengakuan awal value, adjusted to defer the difference
disesuaikan untuk menangguhkan between the fair value at initial recognition
perbedaan antara nilai wajar pada saat and the transaction price. Subsequently,
pengakuan awal dan harga transaksi. that difference is amortised and
Setelah pengakuan awal, perbedaan recognised in profit or loss on over the life
tersebut diamortisasi dan diakui dalam of the instrument.
laba rugi sepanjang umur dari instrumen
tersebut.
Untuk instrumen keuangan yang tidak For financial instruments with no quoted
mempunyai harga pasar, estimasi atas market price, a reasonable estimate of the
nilai wajar ditetapkan dengan mengacu fair value is determined by reference to
pada nilai wajar instrumen lain yang the current market value of another
substansinya sama atau dihitung instrument which substantially have the
berdasarkan arus kas yang diharapkan same characteristic or calculated based
terhadap aset bersih efek-efek tersebut. on the expected cash flows of the
Untuk penyertaan saham yang nilai underlying net asset base of the
wajarnya tidak tersedia, estimasi atas nilai marketable securities. For the investment
wajar dinyatakan sebesar biaya in shares do not have readily
perolehan. determinable fair values, the estimated
fair value recognised as at acquisition
cost.
Nilai wajar untuk semua instrumen For all other financial instruments, fair
keuangan lainnya ditentukan dengan value is determined using valuation
menggunakan teknik penilaian. Dengan techniques. In these techniques, fair
teknik ini, nilai wajar merupakan suatu values are estimated from observable
estimasi yang dihasilkan dari data yang data in respect of similar financial
dapat diobservasi dari instrumen instruments, using models to estimate the
keuangan yang sama, menggunakan present value of expected future cash
model-model untuk mendapatkan estimasi flows or other valuation techniques, using
nilai kini dari arus kas masa depan yang inputs (for example, foreign exchange
diharapkan atau teknik penilaian lainnya rates, volatilities and counterparty
menggunakan input (sebagai contoh nilai spreads) existing at the dates of the
tukar mata uang asing, volatilitas, dan statement of financial position.
counterparty spreads) yang tersedia pada
tanggal laporan posisi keuangan.
33
Page 507
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilities (continued)
(v) Penentuan biaya perolehan (v) Determination of amortised cost
diamortisasi
Biaya perolehan diamortisasi dari aset The amortised cost of a financial asset or
keuangan atau liabilitas keuangan adalah financial liability is the amount at which
jumlah aset atau liabilitas keuangan yang the financial asset or liability is measured
diukur pada saat pengakuan awal, at initial recognition, less principal
dikurangi pembayaran pokok, ditambah repayments, plus or less the cumulative
atau dikurangi dengan amortisasi amortisation using the effective interest
kumulatif dengan menggunakan metode method of any difference between the
suku bunga efektif yang dihitung dari initial amount recognised and the maturity
selisih antara nilai awal dan nilai jatuh amount and minus any allowance for
temponya dan dikurangi cadangan impairment losses.
kerugian penurunan nilai.
Kerugian penurunan nilai dilaporkan The impairment loss is reported as
sebagai pengurang dari nilai tercatat dari a deduction from the carrying value of the
aset keuangan dalam kelompok biaya financial assets classified as amortised
perolehan diamortisasi, dan diakui di cost and recognised in the statement of
dalam laporan laba rugi sebagai “Kerugian profit or loss as “Impairment losses on
penurunan nilai aset keuangan”. financial assets”.
Tingkat suku bunga efektif adalah suku The effective interest rate is the rate that
bunga yang secara tepat mendiskontokan exactly discounts the estimated future
estimasi arus kas di masa datang selama cash flows through the expected life of the
perkiraan umur dari aset keuangan atau financial asset or financial liability (or,
liabilitas keuangan (atau jika lebih tepat, where appropriate, a shorter period) to the
digunakan periode yang lebih singkat) net carrying amount at initial recognition.
untuk memperoleh nilai tercatat bersih When calculating the effective interest
pada saat pengakuan awal. Pada saat rate, the Bank estimates future cash flows
menghitung tingkat suku bunga efektif, considering all contractual terms of the
Bank mengestimasi arus kas di masa financial instrument, but does not consider
datang dengan mempertimbangkan any future credit losses.
seluruh persyaratan kontraktual dalam
instrumen keuangan tersebut, namun
tidak mempertimbangkan kerugian kredit
di masa mendatang.
Perhitungan suku bunga efektif mencakup The calculation of the effective interest rate
biaya transaksi dan seluruh includes transaction costs and all fees and
imbalan/provisi dan bentuk lain yang provisions 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.
34
Page 508
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
d. Aset dan liabilitas keuangan (lanjutan) d. Financial assets and liabilities (continued)
(vi) Penghentian pengakuan (vi) Derecognition
Dalam transaksi dimana Bank secara In transactions in which the Bank neither
substansial tidak memiliki atau tidak retains nor transfers substantially all the
mentransfer seluruh risiko dan manfaat risks and rewards of ownership of
atas kepemilikan aset keuangan, Bank a financial asset, the Bank derecognises
menghentikan pengakuan aset tersebut the asset if it does not retain control over
jika Bank tidak lagi memiliki pengendalian the asset. The rights and obligations
atas aset tersebut. Hak dan kewajiban retained in the transfer are recognised
yang masih dimiliki dalam transfer separately as assets and liabilities as
tersebut diakui secara terpisah sebagai appropriate. In transfers in which control
aset atau liabilitas. Dalam transfer dimana over the asset is retained, the Bank
pengendalian atas aset masih dimiliki, continues to recognise the asset to the
Bank tetap mengakui aset yang ditransfer extent of its continuing involvement,
tersebut sebesar keterlibatan determined by the extent to which it is
berkelanjutan, dimana tingkat exposed to changes in the value of the
keberlanjutan Bank dalam aset yang transferred asset.
ditransfer adalah sebesar perubahan nilai
aset yang ditransfer.
Bank menghapusbukukan aset keuangan The Bank write off a financial asset and
dan cadangan kerugian penurunan nilai any related allowance for impairment
terkait, pada saat Bank menentukan losses, when the Bank determines that the
bahwa aset keuangan tersebut tidak dapat financial asset is completely uncollectible.
ditagih seluruhnya. Keputusan ini diambil This determination is reached after
setelah mempertimbangkan informasi considering information such as the
seperti telah terjadinya perubahan occurrence of significant changes in the
signifikan pada posisi keuangan financial position of debtor/financial asset’s
debitur/penerbit aset keuangan sehingga issuer such that the debtor/financial
debitur/penerbit aset keuangan tidak lagi asset’s issuer can no longer pay the
dapat melunasi kewajibannya, atau hasil obligation, or that proceeds from collateral
penjualan agunan tidak akan cukup untuk will not be sufficient to pay back the entire
melunasi seluruh eksposur pinjaman yang exposure.
diberikan.
e. Saling hapus e. Offsetting
Aset keuangan dan liabilitas keuangan Financial assets and liabilities are offset and
disalinghapuskan dan nilai bersihnya dilaporkan the net amount is reported in the statements of
pada laporan posisi keuangan jika, dan hanya financial position if only the Bank has a legal
jika Bank memiliki hak yang berkekuatan right to offset the recognised amounts and
hukum untuk melakukan saling hapus atas there is an intention to settle on net basis, or
jumlah yang telah diakui tersebut dan adanya realise the asset and settle the liability
maksud untuk menyelesaikan liabilitas secara simultaneously.
bersamaan.
Hak saling hapus tidak kontinjen atas peristiwa The legally enforceable right must not be
di masa depan dan dapat dipaksakan secara contingent on future events and must be
hukum di dalam situasi bisnis yang normal, dan enforceable in the normal course of business
dalam peristiwa gagal bayar atau kebangkrutan and in the event of default, insolvency or
dari Bank atau pihak lawan. bankruptcy of the Bank or the counterparty.
Pendapatan dan beban disajikan dalam jumlah Income and expenses are presented on a net
bersih hanya jika diperkenankan oleh standar basis only when permitted by the accounting
akuntansi. standards.
35
Page 509
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
f. Klasifikasi dan Reklasifikasi instrumen f. Classification and reclassification of
keuangan financial instruments
Klasifikasi aset dan liabilitas keuangan Classification of financial assets and
liabilities
Bank mengklasifikasikan instrumen keuangan The Bank classifies the financial instruments
ke dalam klasifikasi tertentu yang into classes that reflects the nature of
mencerminkan sifat dari informasi dan information and take into account the
mempertimbangkan karakteristik dari instrumen characteristic of those financial instruments.
keuangan tersebut. Klasifikasi ini dapat dilihat The classification can be seen in the table
pada tabel berikut: below:
Kategori yang didefinisikan oleh PSAK 71/ Golongan (ditentukan oleh Bank)/
Category as defined by SFAS 71 Classes (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
Efek-efek/Marketable securities
Biaya perolehan Tagihan akseptasi/Acceptance receivables
diamortisasi/Amortised cost
Pinjaman yang diberikan, pembiayaan dan piutang syariah/
Loans, sharia financing and receivables
Efek-efek yang dibeli dengan janji dijual kembali/Securities
Aset keuangan/ purchased under resale agreements
Financial
assets Pendapatan bunga dan syariah yang masih akan
diterima/Interest and sharia income receivables
Aset lain-lain/Other assets
Aset keuangan yang diukur Efek-efek/Marketable securities
pada nilai wajar melalui laba
rugi/Financial assets measured
at fair value through profit or Penyertaan saham/Investments in shares
loss
Aset keuangan yang diukur Efek-efek/Marketable securities
pada nilai wajar melalui
penghasilan komprehensif
lain/Financial assets measured Penyertaan saham/Investments in shares
at fair value through other
comprehensive income
Simpanan nasabah/Deposits from customers
Simpanan dari bank lain/Deposits from other banks
Efek-efek yang dijual dengan janji dibeli kembali/Securities sold
Liabilitas Liabilitas keuangan yang diukur under repurchase agreement
keuangan/ dengan biaya perolehan
Financial diamortisasi/Financial liabilities Efek-efek yang diterbitkan/Securities issued
liabilities at amortised cost
Utang akseptasi/Acceptance payables
Akrual dan liabilitas lain-lain/Accruals and other liabilities
Komitmen dan
kontinjensi/ Fasilitas pinjaman yang belum digunakan/Unused loan facilities
Commitment
and Garansi yang diterbitkan/Guarantees issued
contingency
36
Page 510
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
f. Klasifikasi dan Reklasifikasi instrumen f. Classification and reclassification of
keuangan (lanjutan) financial instruments (continued)
Reklasifikasi aset keuangan Reclassification of financial assets
Bank diperkenankan untuk melakukan The Bank can reclassify its all of its financial
reklasifikasi atas aset keuangan yang dimiliki assets when and only, its business model for
jika Bank mengubah model bisnis untuk managing those financial assets changes.
pengelolaan aset keuangan.
Perubahan model bisnis sifatnya harus The characteristic of business model changes
berdampak secara signifikan terhadap kegiatan must significantly impact to the Bank
operasional Bank seperti memperoleh, operational activities such as collecting,
melepaskan, atau mengakhiri suatu lini bisnis. disposing or terminating a business line. In
Selain itu, Bank perlu membuktikan adanya addition, the Bank has to prove the changes to
perubahan tersebut kepada pihak eksternal. external parties.
Bank akan mereklasifikasi seluruh aset The Bank will reclassify all financial assets
keuangan yang terkena dampak dari perubahan impacted by business model changes.
model bisnis. Perubahan tujuan model bisnis Changes of the objective of the Bank’s
Bank harus berdampak sebelum tanggal business model must be impacted before
reklasifikasi. reclassification date.
Yang bukan merupakan perubahan model The following lists are not changes in business
bisnis adalah: model:
a. perubahan intensi berkaitan dengan aset a. changes in intention in relation with
keuangan tertentu (bahkan dalam situasi certain financial asset (even in situations
perubahan signifikan dalam kondisi pasar); of significant changes in market
conditions);
b. hilangnya sementara pasar tertentu untuk b. temporary loss of certain markets for
aset keuangan; dan financial assets; and
c. pengalihan aset keuangan antara bagian c. transfer of financial asset between Bank
dari Bank dengan model bisnis berbeda. with different business model.
Dampak Reklasifikasi Aset Keuangan Impact of Reclassificaton of Financial
Assets
Dampak reklasifikasi aset keuangan pada laba The impact of reclassification of financial asset
rugi atau ekuitas dan pengukuran awalnya on profit or loss or equity and its initial
adalah sebagai berikut: measurement is as follows:
37
Page 511
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
f. Klasifikasi dan Reklasifikasi Instrumen f. Classification and Reclassification of
keuangan (lanjutan) Financial Instruments (continued)
Reklasifikasi/
Reclassification Dampak Terhadap Dampak Terhadap
Nilai Tercatat Awal Setelah Reklasifikasi/
Laba Rugi/ Impact Ekuitas/ Impact on
Dari/ Initial Carrying Value After Reclassification
Ke/ To on profit or loss equity
From
1. Nilai wajar pada tanggal reklasifikasi
menjadi jumlah tercatat bruto yang baru/
Fair value at the reclassification date
becomes its new gross carrying amount.
Amortised
- - 2. Suku bunga efektif ditentukan pada dasar
Cost
nilai wajar aset pada tanggal reklasifikasi/
Effective interest rate is determined at the
fair value of the asset at reclassification
date.
FVTPL
1. Aset keuangan tetap diukur pada nilai
wajarnya/ Financial assets is measured at
fair value.
2. Suku bunga efektif ditentukan pada dasar
FVOCI - -
nilai wajar aset pada tanggal reklasifikasi/
Effective interest rate is determined at the
fair value of the asset at reclassification
date.
Selisih antara nilai
tercatat sebelum
reklasifikasi dan
nilai wajar setelah
reklasifikasi/
Nilai wajarnya diukur pada tanggal reklasifikasi/
FVTPL Difference in -
Fair value is measured at reclassification date.
carrying amount
before
reclassification and
fair value after
Amortised
reclassification
Cost
Selisih antara nilai
tercatat sebelum
1. Nilai wajarnya diukur pada tanggal
reklasifikasi dan nilai
reklasifikasi/ Fair value is measured at
wajar setelah
reclassification date.
reklasifikasi/
FVOCI - 2. Suku bunga efektif dan pengukuran kerugian
Difference in carrying
kredit ekspektasian tidak perlu disesuaikan/
amount before
Effective interest rate and expected credit
reclassification and
loss is not adjusted.
fair value after
reclassification
1. Nilai wajar pada tanggal reklasifikasi menjadi
Keuntungan atau
jumlah tercatat bruto yang baru ditambah
kerugian kumulatif
atau dikurangi keuntungan atau kerugian
dihapus dari ekuitas
kumulatif sebelumnya/ Fair value at the
dan disesuaikan
reclassification date becomes its new gross
Amortised terhadap nilai wajar/
- carrying amount by added or deducted the
Cost Cumulative gain or
previous cumulative gain or loss.
loss on OCI is
2. Suku bunga efektif dan pengukuran kerugian
adjusted against the
FVOCI kredit ekspektasian tidak perlu disesuaikan/
fair value of the
Effective interest rate and expected credit
financial asset
loss is not adjusted.
Keuntungan atau kerugian kumulatif
direklasifikasi dari ekuitas menjadi laba rugi/ Aset keuangan tetap diukur pada nilai wajarnya/
FVOCI
Cumulative gain or loss on OCI is Financial assets is measured at fair value
reclassified to profit or loss
38
Page 512
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
g. Penurunan nilai dari aset keuangan g. Impairment of financial assets
Bank menilai dengan dasar perkiraan masa The Bank assesses on a forward-looking basis
yang akan datang kerugian kredit ekspektasian the expected credit loss associated with its
(Expected Credit Loss/"ECL”) terkait dengan financial assets instruments carried at
instrumen aset keuangan yang dicatat pada amortised cost and fair value at other
biaya perolehan diamortisasi dan nilai wajar comprehensive income. The impairment
melalui penghasilan komprehensif lain. methodology applied depends on whether there
Metodologi penurunan nilai yang ditampilkan has been a significant increase in credit risk to
tergantung kepada apakah tidak terjadi financial asset measured at amortised cost and
peningkatan risiko kredit yang signifikan untuk at fair value through other comprehensive
aset keuangan yang diukur pada biaya income (FVOCI). If at the reporting date, credit
perolehan diamortisasi dan diukur pada nilai risk on financial asset has not increased
wajar melalui penghasilan komprehensif lain significantly since initial recognition, the Bank
(FVOCI). Jika pada tanggal pelaporan, risiko shall measure the allowance for losses for that
kredit atas aset keuangan tidak meningkat financial asset at the amount of 12 (twelve)
secara signifikan sejak pengakuan awal, maka months expected losses. If the credit risk on
Bank akan mengukur penyisihan kerugian untuk that financial asset has increased significantly
aset keuangan tersebut sejumlah ECL 12 bulan. since initial recognition, the Bank shall measure
Jika risiko kredit atas aset keuangan telah the allowance for losses at the amount of
meningkat secara signifikan dari pengakuan expected credit losses over its lifetime.
awal, maka Bank akan menyajikan penyisihan
kerugian sejumlah ECL lifetime.
ECL 12 bulan dan ECL lifetime 12-month ECL and Lifetime ECL
ECL 12 bulan adalah bagian dari kerugian 12-month ECL is the portion of ECL that result
kredit ekspektasian sepanjang umurnya yang from default events that are possible within the
merepresentasikan ECL yang timbul dari 12-months after reporting date (or the shorter
peristiwa gagal bayar aset keuangan yang period if expected life of financial asset is less
mungkin terjadi dalam 12 bulan setelah tanggal than 12 months). 12-month ECL is weighted by
pelaporan (atau periode yang lebih pendek jika probability of default.
umur aset keuangan yang diharapkan kurang
dari 12 bulan). ECL 12 bulan dibobot oleh
probabilitas terjadinya default dimaksud.
ECL lifetime adalah kerugian yang diakibatkan Lifetime ECL is the ECL that result from all
dari semua kejadian default yang mungkin possible default events over the expected life of
terjadi selama perkiraan waktu umur hidup aset financial asset.
keuangan.
Staging Criteria Staging Criteria
Aset keuangan harus dialokasikan ke salah satu Financial asset must be allocated to one of
dari tiga tahap penurunan nilai (stage 1, stage three stages of impairment (stage 1, stage 2,
2, stage 3) dengan menentukan apakah terjadi stage 3) by determining whether there is
peningkatan risiko kredit yang signifikan atas a significant increase in credit risk on the
aset keuangan sejak pengakuan awal atau financial asset since initial recognition or
apakah fasilitas tersebut gagal bayar pada whether the facility has defaulted on each
setiap tanggal pelaporan. reporting date.
39
Page 513
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
g. Penurunan nilai dari aset keuangan g. Impairment of financial assets (continued)
(lanjutan)
Stage 1: ECL diakui pada saat pengakuan awal Stage 1: ECL are recognised at the time of
instrumen keuangan dan merepresentasikan initial recognition of a financial instrument and
kekurangan kas sepanjang umur aset yang represent the lifetime cash shortfalls arising
timbul dari kemungkinan gagal bayar di masa from possible default events up to twelve
yang akan datang dalam kurun waktu dua belas months into the future from the reporting date.
bulan sejak tanggal pelaporan. ECL terus ECL continue to be determined on this basis
ditentukan oleh dasar ini sampai timbul until there is either a significant increase in the
peningkatan risiko kredit yang signifikan pada credit risk of an instrument or the instrument
instrumen tersebut atau instrumen tersebut becomes credit-impaired. If an instrument is no
telah mengalami penurunan nilai kredit. Jika longer considered to exhibit a significant
suatu instrumen tidak lagi dianggap increase in credit risk, ECL will revert to being
menunjukkan peningkatan risiko kredit yang determined on a 12-month basis.
signifikan, maka ECL dihitung kembali
berdasarkan basis dua belas bulan.
Stage 2: mencakup aset keuangan yang Stage 2: includes financial assets that
mengalami peningkatan signifikan atas risiko experience a significant increase in credit risk
kredit (“SICR”) sejak pengakuan awal (kecuali (“SICR”) since initial recognition (unless having
jika memiliki risiko kredit rendah pada tanggal low credit risk at the reporting date), but do not
pelaporan), namun tidak memiliki bukti have objective evidence of impairment. For
penurunan nilai yang objektif. Untuk aset ini, these assets, Lifetime ECL will be calculated.
ECL lifetime dihitung. ECL lifetime adalah Lifetime ECL are the ECL that results from all
kerugian pinjaman yang diharapkan yang possible default events over the expected life
dihasilkan dari semua kejadian default yang of financial asset.
mungkin terjadi selama perkiraan umur dari aset
keuangan.
Bank menggunakan berbagai pengukuran The Bank uses a number of qualitative and
kualitatif dan kuantitatif dalam menilai SICR quantitative measures in assessing SICR as
seperti berikut: follows:
Pinjaman yang diberikan Loans
a. Kriteria kuantitatif a. Quantitative criteria
Akun-akun dengan 30 hari tunggakan Accounts that are 30 days past due
(“DPD”) dianggap telah mengalami (“DPD”) are considered to have
peningkatan risiko kredit yang signifikan. experienced a significant increase in credit
risk.
b. Kriteria kualitatif b. Qualitative criteria
Debitur dengan DPD kurang dari 30 hari Debtors with DPD less than 30 days which
yang telah direstrukturisasi (kecuali debitur have been restructured (except for
restrukturisasi akibat dampak pandemi restructured debtors as a result of the
COVID-19) dianggap memiliki kenaikan COVID-19 pandemic) which is considered
signifikan atas risiko kredit. to have a significant increase in credit risk.
Stage 3: Aset hanya akan dianggap mengalami Stage 3: An asset is only considered credit
penurunan nilai dan kerugian kredit impaired and lifetime expected credit losses
ekspektasian sepanjang umurnya diakui, jika recognised, if there is observed objective
terdapat bukti objektif penurunan nilai yang evidence of impairment. These factors are
dapat diobservasi. Faktor-faktor yang similar to the indicators of objective evidence of
diobservasi ini serupa dengan indikator bukti impairment under SFAS 71, this includes,
40
Page 514
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
g. Penurunan nilai dari aset keuangan g. Impairment of financial assets (continued)
(lanjutan)
objektif penurunan nilai pada PSAK 71, amongst other factors, assets in default or
termasuk antara lain aset gagal bayar atau experiencing significant financial difficulty, or
mengalami kesulitan keuangan yang signifikan experiencing forbearance on impaired credit
atau mengalami forbearance atas kredit yang (mentioned as ‘Stage 3 asset’). The
mengalami penurunan nilai (disebut sebagai measurement of expected credit losses across
‘aset Stage 3’). Pengukuran kerugian kredit all stages is required to reflect an unbiased
ekspektasian di seluruh tahapan aset and probability weighted amount that is
diperlukan untuk mencerminkan jumlah yang determined by evaluating a range of
tidak bias dan rata-rata probabilitas tertimbang reasonably possible outcomes using
yang ditentukan dengan mengevaluasi reasonable and supportable information about
serangkaian kemungkinan yang dapat terjadi past events, current conditions and forecasts
menggunakan informasi yang wajar dan dapat of future economic conditions.
didukung dengan peristiwa di masa lampau,
kondisi saat ini dan proyeksi terkait dengan
kondisi ekonomis di masa depan.
Aset keuangan yang mengalami penurunan Financial assets that are credit impaired (or in
nilai (atau gagal bayar) merupakan aset yang default) represent those that are at least 90
setidaknya telah memiliki tunggakan lebih dari days past due in respect of principal and/or
90 hari atas pokok dan/atau bunga atau interest or has certain credit grades (default).
memiliki peringkat kredit tertentu (default). Aset Financial assets are also considered to be
keuangan juga dianggap mengalami penurunan credit impaired where the debtors are unlikely
nilai kredit dimana debitur kemungkinan besar to pay on the occurrence of one or more
tidak akan membayar dengan terjadinya satu observable events that have a detrimental
atau lebih kejadian yang teramati yang memiliki impact on the estimated future cash flows of
dampak menurunkan jumlah estimasi arus kas the financial asset. Loss provisions against
masa depan dari aset keuangan tersebut. credit impaired financial assets are determined
Cadangan kerugian penurunan nilai terhadap based on an assessment of the recoverable
aset keuangan yang mengalami penurunan cash flows under a range of scenarios,
nilai ditentukan berdasarkan penilaian terhadap including the realisation of any collateral held
arus kas yang dapat dipulihkan berdasarkan where appropriate. The ECL will reflect
sejumlah skenario, termasuk realisasi jaminan weighted average of the scenarios based on
yang dimiliki jika memungkinkan. ECL akan the probability of the relevant scenario to occur.
mencerminkan rata-rata tertimbang dari The loss provisions held represent the
skenario berdasarkan probabilitas dari skenario difference between the present value of the
yang relevan untuk terjadi. Cadangan kerugian cash flows expected to be recovered,
penurunan nilai merupakan selisih antara nilai discounted at the instrument’s original effective
sekarang dari arus kas yang diperkirakan akan interest rate, and the gross carrying value of
dipulihkan, didiskontokan pada suku bunga the instrument prior to any credit impairment.
efektif awal, dan nilai tercatat bruto instrumen
sebelum penurunan nilai kredit.
Periode yang diperhitungkan ketika mengukur The period considered when measuring
kerugian kredit ekspektasian adalah periode expected credit loss is the contractual term of
kontrak aset keuangan. Umur ekspektasian the financial asset. The expected life may be
dapat dipengaruhi oleh pembayaran dimuka impacted by prepayments and the maximum
dan periode kontrak maksimum melalui opsi contractual term by extension options. For
perpanjangan kontrak. Untuk portofolio certain revolving portfolios, the expected life is
revolving tertentu, umur ekspektasian dinilai assessed over the period that the Bank is
sepanjang periode dimana Bank terekspos exposed to credit risk (which is based on the
dengan risiko kredit (berdasarkan durasi waktu length of time it takes for credit facilities to be
yang dibutuhkan untuk fasilitas kredit ditarik). withdrawn).
41
Page 515
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
g. Penurunan nilai dari aset keuangan g. Impairment of financial assets (continued)
(lanjutan)
Untuk aset yang diukur pada biaya perolehan For assets measured at amortised cost, the
diamortisasi, saldo di neraca mencerminkan balance sheet amount reflects the gross asset
aset bruto dikurangi kerugian kredit less the expected credit losses. For debt
ekspektasian. Untuk instrumen utang dalam instruments held at FVOCI, the balance sheet
kategori FVOCI, saldo di neraca mencerminkan amount reflects the instrument’s fair value less
nilai wajar dari instrumen dikurangi dengan the expected credit losses.
cadangan kerugian kredit ekspektasian.
Untuk 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 the
didiskontokan ke tanggal laporan keuangan effective interest rate as the discount rate.
menggunakan diskonto berdasarkan suku
bunga efektif.
PSAK 71 mensyaratkan penyertaan informasi SFAS 71 requires supportable information
tentang kejadian masa lalu, kondisi saat ini dan about past events, current condition and
perkiraan kondisi ekonomi masa depan. forecasts of future economic conditions.
Perkiraan perubahan dalam kerugian pinjaman Estimated movement on expected credit
yang diharapkan harus mencerminkan dan losses have to be reflected and directly
secara langsung konsisten dengan perubahan consistent with changes in observed related
dalam data terkait yang diobservasi dari periode data over the period. This ECL calculation
ke periode. Perhitungan ECL ini membutuhkan needs forward-looking estimation from
estimasi forward-looking dari Probability of Probability of Default (PD), Loss Given Default
Default (PD), Loss Given Default (LGD) dan (LGD) and Exposure At Default (EAD).
Exposure At Default (EAD).
Untuk komitmen pinjaman dan kontrak jaminan For loan commitments and financial guarantee
keuangan, tanggal pada saat Bank menjadi contracts, the date when the Bank become
pihak dalam suatu komitmen yang tidak dapat a party in a irrevocable commitment is the date
dibatalkan merupakan tanggal pengakuan awal of initial recognition for implementation of
untuk keperluan penerapan persyaratan impairment purposes.
penurunan nilai.
a. Probability of Default (“PD”) a. Probability of Default (“PD”)
Probabilitas yang timbul di suatu waktu The probability at a point in time that
dimana debitur mengalami gagal bayar, a counterparty will default, calibrated over
dikalibrasikan sampai dengan periode up to 12 months from the reporting date
12 bulan dari tanggal laporan (Stage 1) atau (Stage 1) or over the lifetime of the product
sepanjang umur (Stage 2 dan 3) dan (Stage 2 and 3) and incorporating the
digabungkan pada dampak asumsi ekonomi impact of forward-looking economic
masa depan yang memiliki risiko kredit. PD assumptions that have an effect on credit
diestimasikan pada point in time dimana hal risk. PD is estimated at a point in time that
ini berfluktuasi sejalan dengan siklus means it will fluctuate in line with the
ekonomi. economic cycle.
42
Page 516
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
g. Penurunan nilai dari aset keuangan g. Impairment of financial assets (continued)
(lanjutan)
b. Loss Given Default (“LGD”) b. Loss Given Default (“LGD”)
Kerugian yang diperkirakan akan timbul dari The loss that is expected to arise on
debitur yang mengalami gagal bayar dengan default, incorporating the impact of relevant
menggabungkan dampak dari asumsi forward looking economic assumptions
ekonomi masa depan yang relevan (jika (if any), which represents the difference
ada) dimana hal ini mewakili perbedaan between the contractual cash flows due
antara arus kas kontraktual yang akan jatuh and those that the Bank expects to receive.
tempo dengan arus kas yang diharapkan The Bank estimates LGD based on the
untuk diterima. Bank mengestimasikan LGD historical recovery rates and considers the
berdasarkan data historis dari tingkat recovery of any collateral that is integral to
pemulihan dan memperhitungkan pemulihan the financial assets, taking into account
yang berasal dari jaminan terhadap aset forward 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 saat The expected balance sheet exposure at
gagal bayar dengan mempertimbangkan the time of default, taking into account that
bahwa perubahan ekspektasi yang expected change in exposure over the
diharapkan selama masa eksposur. Hal ini lifetime of the exposure. This incorporates
menggabungkan dampak penarikan fasilitas the impact of drawdowns of committed
yang committed pembayaran pokok dan facilities, repayments of principal and
bunga, amortisasi dan pembayaran interest, amortisation and prepayments,
dipercepat, bersama dengan dampak together with the impact of forward looking
asumsi ekonomi masa depan jika relevan. economic assumptions where relevant.
h. Penurunan nilai dari aset non-keuangan h. Impairment of non-financial assets
Nilai tercatat aset non-keuangan Bank, selain The carrying amount of the Bank's non-
aset pajak tangguhan, dikaji pada setiap tanggal financial assets, other than deferred tax assets,
pelaporan untuk menentukan ada tidaknya are reviewed at each reporting date to
indikasi penurunan nilai. Untuk tujuan pengujian determine whether there is any indication of
penurunan nilai, aset yang tidak dapat diuji impairment. For the purpose of impairment
secara individual dapat digabungkan ke dalam testing, assets that cannot be tested
kelompok aset terkecil yang menghasilkan arus individually are grouped together into the
kas masuk dari penggunaan berkelanjutan yang smallest group of assets that generates cash
sebagian besar independen dari arus kas inflows from continuing use that are largely
masuk dari aset lainnya (Unit Penghasil Kas independent of the cash inflows of other assets
atau “CGU”). Jika terdapat indikasi adanya (Cash Generating Units or “CGU”). If any such
penurunan nilai tersebut, maka nilai terpulihkan indication exists, then the asset's recoverable
aset diestimasi. amount is estimated.
Kerugian penurunan nilai diakui jika nilai An impairment loss is recognised if the carrying
tercatat suatu aset atau CGU melebihi estimasi amount of an asset or CGU exceeds its
nilai terpulihkannya. Nilai terpulihkan suatu aset estimated recoverable amount. The
adalah nilai yang terbesar antara nilai pakai recoverable amount of an asset or CGU is the
aset atau CGU dan nilai wajar dikurangi biaya greater of its value in use and its fair value less
penjualan. Dalam penentuan nilai pakai aset, cost to sell. In assessing value in use, the
estimasi arus kas masa depan didiskontokan estimated future cash flows are discounted to
menggunakan tingkat diskonto sebelum pajak their present value using a pre-tax discount
yang menggambarkan penilaian pasar kini atas rate that reflects current market assessments
nilai waktu dari uang dan risiko yang terkait of the time value of money and the risks
dengan aset yang bersangkutan. specific to the asset.
43
Page 517
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
h. Penurunan nilai dari aset non-keuangan h. Impairment of non-financial assets
(lanjutan) (continued)
Kerugian penurunan nilai atas aset non- Impairment losses in respect of non-financial
keuangan yang diakui pada tahun sebelumnya assets recognised in prior year are assessed at
dikaji pada setiap tanggal pelaporan keuangan each reporting date for any indications that the
untuk menilai apakah terdapat indikasi bahwa loss has decreased or no longer exists. An
rugi penurunan nilai yang telah diakui impairment loss, except for goodwill, is
sebelumnya telah menurun atau tidak ada lagi. reversed if there has been a change in the
Kerugian penurunan nilai, kecuali untuk estimates used to determine the recoverable
goodwill, dipulihkan jika terdapat perubahan amount. An impairment loss is reversed only to
estimasi yang digunakan untuk menentukan the extent that the asset's carrying amount
nilai terpulihkan. Jumlah kerugian penurunan does not exceed the carrying amount that
nilai yang dibalik tidak boleh menyebabkan nilai would have been determined, net of
aset melebihi nilai tercatat bersih setelah depreciation or amortisation, if no impairment
penyusutan atau amortisasi, seandainya tidak loss had been recognised.
ada kerugian penurunan nilai yang diakui.
i. Kas dan setara kas i. Cash and cash equivalents
Kas meliputi kas dan kas dalam khasanah. Cash includes cash on hand and cash in vault.
Untuk tujuan laporan arus kas, kas dan setara For the purpose of the statement of cash flows,
kas mencakup kas, giro pada Bank Indonesia, cash and cash equivalents include cash,
giro pada bank lain, penempatan pada Bank current accounts with Bank Indonesia, current
Indonesia dan bank lain, dan Sertifikat Bank accounts with other banks, placements with
Indonesia yang jatuh tempo dalam 3 (tiga) Bank Indonesia and other banks, and
bulan atau kurang sejak tanggal perolehan yang Certificates of Bank Indonesia maturing within
tidak dijaminkan atau dibatasi penggunaannya. 3 (three) months or less from the date of
acquisition and are not pledged or restricted.
j. Giro pada Bank Indonesia dan bank lain j. Current accounts with Bank Indonesia and
other banks
Giro pada Bank Indonesia dan bank lain Current accounts with Bank Indonesia and
diklasifikasikan sebagai aset keuangan yang other banks are classified as financial assets
diukur pada biaya perolehan diamortisasi. Lihat measured at amortised cost. Refer to Note 2d
Catatan 2d untuk kebijakan akuntansi atas aset for the accounting policy of financial assets.
keuangan.
Giro pada Bank Indonesia dan bank lain Current accounts with Bank Indonesia and
dinyatakan sebesar saldo giro dikurangi dengan other banks are stated at the outstanding
cadangan kerugian penurunan nilai. balance less allowance for impairment losses.
k. Penempatan pada Bank Indonesia dan bank k. Placements with Bank Indonesia and other
lain banks
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia and other
lain merupakan penanaman dana dalam bentuk banks consist of interbank call money, Time
interbank call money, Deposito berjangka, deposit, Certificate of deposits, and Bank
Sertifikat deposito, dan Fasilitas Simpanan Bank Indonesia Deposit Facility ("FASBI").
Indonesia ("FASBI").
44
Page 518
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
l. Efek-efek l. Marketable securities
Efek-efek yang dimiliki terdiri dari Sertifikat Bank Marketable securities consist of Certificates of
Indonesia (“SBI”), Sekuritas Rupiah Bank Bank Indonesia (“SBI”), Bank Indonesia Rupiah
Indonesia (“SRBI”), Surat Utang Negara, Surat Securities (“SRBI”), Government Promissory
Berharga Syariah Negara, obligasi korporasi, Notes, Government Sharia Bonds, corporate
wesel jangka menengah, unit penyertaan bonds, medium term notes, mutual fund
reksadana, dan efek-efek pasar uang dan pasar investment units and other money market and
modal lainnya. capital market securities.
Setelah pengakuan awal, efek-efek diukur Subsequently accounted for, marketable
sesuai dengan klasifikasinya masing-masing, securities depending on their respective
sebagai diukur pada biaya perolehan classifications, as either measured at amortised
diamortisasi atau diukur pada nilai wajar melalui cost or measured at fair value through other
pendapatan komprehensif lain (“FVOCI”) atau comprehensive income (“FVOCI“) or measured
diukur pada nilai wajar melalui laporan laba rugi at fair value through profit or loss (“FVTPL”).
(“FVTPL”).
1. Diukur pada biaya perolehan 1. Measured at amortised cost
diamortisasi
Setelah pengakuan awal, investasi diukur Accounted for, investment measured at
pada biasa perolehan diamortisasi dengan amortised cost using effective interest rate
menggunakan metode suku bunga efektif. method.
2. Diukur pada FVOCI 2. Measured at FVOCI
Setelah pengakuan awal, diukur pada nilai Accounted for, investment carried at fair
wajar dimana keuntungan dan kerugian value with all unrealised gains and losses
yang belum direalisasi atas perubahan nilai arising from changes in fair value
wajar akan diakui sebagai penghasilan recognised in other comprehensive
komprehensif lain. Perubahan pada income. Changing in expected credit losses
kerugian kredit ekspektasian diakui laba recognised in the profit or loss and are
rugi dan diakumulasi pada ekuitas. Pada accumulated in equity. On derecognition,
saat penghentian pengakuan, akumulasi the cumulative fair value gains or losses,
keuntungan atau kerugian nilai wajar net of cumulative allowance for impairmen
bersih, setelah akumulasi cadangan losses, are transferred to the profit or loss.
kerugian penurunan nilai, ditransfer ke laba
rugi.
3. Diukur pada FVTPL 3. Measured at FVTPL
Seluruh aset keuangan yang tidak All financial assets not classified as
diklasifikasikan sebagai diukur dengan measured at amortised cost or FVOCI as
biaya perolehan diamortisasi atau FVOCI described above are measured at FVTPL.
sebagaimana ketentuan di atas diukur Financial instruments grouped into this
dengan FVTPL. Instrumen keuangan yang category are recognised at their fair value
dikelompokkan ke dalam kategori ini diakui at initial recognition; transaction costs are
pada nilai wajarnya pada saat pengakuan recognised directly in the statement of
awal; biaya transaksi diakui secara profit or loss. Gains and losses arising
langsung ke dalam laporan laba rugi. from changes in fair value and sale of
Keuntungan dan kerugian yang timbul dari financial instruments are recognised in the
perubahan nilai wajar dan penjualan statement of profit or loss.
instrumen keuangan diakui di dalam
laporan laba rugi.
45
Page 519
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
m. Pinjaman yang diberikan, pembiayaan dan m. Loans, sharia financing and receivables
piutang syariah
Restrukturisasi pinjaman bisa meliputi Loan restructuring may involve a modification
modifikasi persyaratan pinjaman, konversi of the terms of the loans, conversion of loans
pinjaman menjadi saham atau instrumen into equity or other financial instruments and/or
keuangan lainnya dan/atau kombinasi dari a combination of both.
keduanya.
Pinjaman yang direstrukturisasi dan tidak Restructured loans which are not
dihentikan pengakuannya disajikan sebesar derecognised, are stated at the lower of
nilai yang lebih rendah antara nilai tercatat carrying value of the loan at the time of
pinjaman pada tanggal restrukturisasi atau restructuring or net present value of the
proyeksi nilai kini dari penerimaan kas masa estimate of total future cash receipts after
depan setelah restrukturisasi. Kerugian akibat restructuring. Losses arising from any excess
selisih antara nilai tercatat pinjaman pada of the carrying value of the loan at the time of
tanggal restrukturisasi dengan nilai tunai restructuring over the net present value of the
penerimaan kas masa depan setelah total future cash receipts after restructuring are
restrukturisasi diakui sebagai laba/rugi. Setelah recognised as profit/loss. Thereafter, all cash
restrukturisasi, semua penerimaan kas masa receipts under the new terms shall be
depan yang ditetapkan dalam persyaratan baru accounted for as the recovery of principal and
dicatat sebagai pengembalian pokok pinjaman interest revenue, in accordance with the
yang diberikan dan pendapatan bunga sesuai restructuring scheme.
dengan syarat-syarat restrukturisasi.
Termasuk di dalam pinjaman yang adalah Included in loans are financing by PT Bank
termasuk pembiayaan oleh PT Bank Victoria Victoria Syariah, a Subsidiary, in the form of
Syariah, Entitas Anak, berupa pembiayaan dan sharia financing and receivables.
piutang syariah.
Penjelasan secara ringkas dari masing-masing Brief explanation for each type of sharia
jenis pembiayaan dan piutang tersebut adalah financing and receivables are as follows:
sebagai berikut:
Pembiayaan mudharabah adalah penanaman Mudharabah financing is investment of funds
dana dari pemilik dana (shahibul maal) kepada from the owner of funds (shahibul maal) to the
pengelola dana (mudharib) untuk melakukan fund manager (mudharib) to conduct certain
kegiatan usaha tertentu, dengan menggunakan business activity, with profit sharing or gross
bagi hasil (profit sharing) atau metode bagi hasil profit margin method between the two parties
usaha (gross profit margin) antara kedua belah based on a mutually agreed predetermined
pihak berdasarkan nisbah yang telah disepakati ratio. The Subsidiary uses profit sharing
sebelumnya. Entitas Anak mengenakan bagi scheme based on gross profit margin method.
hasil berdasarkan metode margin laba kotor.
Pembiayaan mudharabah dinyatakan sebesar Mudharabah financing is stated at the outstanding
saldo pembiayaan dikurangi dengan cadangan balance, net of allowance for possible losses. The
kerugian penurunan nilai. Entitas Anak Subsidiary provides allowance for impairment
menetapkan cadangan kerugian penurunan nilai losses based on the financing quality as
sesuai dengan kualitas pembiayaan berdasarkan determined by a review of each account. In the
penelaahan atas masing-masing saldo event that a portion of the mudharabah financing
pembiayaan. Apabila sebagian pembiayaan is lost prior to the start of operations due to
mudharabah hilang sebelum dimulainya usaha damage or any other reasons without negligence
karena adanya kerusakan atau sebab lainnya or error by the fund manager, the loss shall be
tanpa adanya kelalaian atau kesalahan pihak deducted from mudharabah financing balance
pengelola dana, maka rugi tersebut mengurangi and shall be recognised as a loss by the
saldo pembiayaan mudharabah dan diakui Subsidiary. If part of mudharabah financing is lost
sebagai kerugian Entitas Anak. Apabila sebagian after the commencement of business without
pembiayaan mudharabah hilang setelah negligence or fault of the fund manager, such loss
dimulainya usaha tanpa adanya kelalaian atau is calculated during profit sharing.
kesalahan pengelola dana, maka rugi tersebut
diperhitungkan pada saat bagi hasil.
46
Page 520
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
m. Pinjaman yang diberikan, pembiayaan dan m. Loans, sharia financing and receivables
piutang syariah (lanjutan) (continued)
Kerugian pembiayaan mudharabah akibat Loss on mudharabah financing due to
kelalaian atau kesalahan pengelola dana negligence or error by the fund manager is
dibebankan pada pengelola dana dan tidak charged to the fund manager and not deducted
mengurangi saldo pembiayaan mudharabah. from the balance of mudharabah financing.
Pembiayaan musyarakah adalah akad Musyarakah financing is an agreement
kerjasama antara dua pihak atau lebih untuk between two or more parties for a particular
suatu usaha tertentu, dimana masing-masing business, in which each party contributes funds
pihak memberikan kontribusi dana dengan provided that the profits are divided according
ketentuan bahwa keuntungan dibagi to the agreement, while losses are based on
berdasarkan kesepakatan, sedangkan kerugian the portion of fund contributions. The fund
berdasarkan porsi kontribusi dana. Dana consists of cash or non-cash assets allowed by
tersebut meliputi kas atau aset non-kas yang sharia. Musyarakah financing is stated at
diperkenankan oleh syariah. Pembiayaan outstanding balance, net of allowance for
musyarakah dinyatakan sebesar saldo impairment losses. The Subsidiary provides
pembiayaan dikurangi dengan cadangan allowance for impairment losses based on the
kerugian penurunan nilai. Entitas Anak financing quality as determined by a review of
menetapkan cadangan kerugian penurunan each account.
nilai sesuai dengan kualitas pembiayaan
berdasarkan penelaahan atas masing-masing
saldo pembiayaan.
Piutang Ijarah adalah penyediaan dana dalam Ijarah receivables are the financing on the
rangka memindahkan hak guna atau manfaat availability of fund in relation to transferring the
dari suatu barang atau jasa berdasarkan right to use and benefit of a goods and service
transaksi sewa, tanpa diikuti dengan based on rental transaction which was not
pemindahan kepemilikan barang itu sendiri followed by transfer of the goods ownership to
kepada penyewa. Ijarah muntahiyah bittamlik the lessee. Ijarah muntahiyah bittamlik is an
adalah penyediaan dana dalam rangka agreement on the availability of fund in relation
memindahkan hak guna atau manfaat dari to transferring the use right and benefit of
suatu barang atau jasa berdasarkan transaksi a goods or service based on rental transaction
sewa dengan opsi pemindahan kepemilikan with an option to transfer the ownership title of
barang kepada penyewa. Piutang pendapatan goods to the lessee. Ijarah receivables are
ijarah diakui pada saat jatuh tempo sebesar recognised at due date at the amount of its
sewa yang belum diterima dan disajikan lease income not yet received and presented at
sebesar nilai bersih yang dapat direalisasikan, its net realisable value, which is the
yakni sebesar saldo piutang. outstanding balance of the receivables.
Murabahah adalah akad jual beli barang Murabahah is an agreement of sales
dengan harga jual sebesar beban perolehan transaction for goods in which the selling price
ditambah keuntungan yang disepakati dan is determined based on acquisition cost added
penjual harus mengungkapkan beban with mutually agreed margin and the seller
perolehan barang tersebut kepada pembeli. shall disclose the acquisition cost to buyer.
Piutang murabahah diklasifikasikan sebagai Murabahah receivables are classified as
aset keuangan dalam kategori pinjaman yang financial assets under category loan and
diberikan dan piutang sesuai PSAK 55. receivables in accordance with SFAS 55.
47
Page 521
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
n. Efek-efek yang dibeli dengan janji dijual n. Securities purchased under resale
kembali dan efek-efek yang dijual dengan agreements and securities sold under
janji dibeli kembali repurchase agreements
Efek-efek yang dibeli dengan janji dijual kembali Securities purchased under resale agreements
merupakan transaksi dimana Bank membeli are transactions in which the Bank purchases a
aset keuangan dan secara simultan masuk ke financial asset and simultaneously enters into
dalam perjanjian untuk menjual kembali aset an agreement to resell the asset (or
(atau aset yang serupa secara substansial) substantially similar asset) at a fixed price on a
dengan harga tetap di masa depan. Aset yang future date. The underlying asset is not
mendasari tidak diakui dalam laporan recognised in the financial statements.
keuangan. Setelah pengakuan awal, efek-efek Subsequent to initial recognition, securities
yang dibeli dengan janji dijual kembali diukur purchased under resale agreements are
pada biaya perolehan diamortisasi. Selisih measured at amortised cost. The difference
antara harga beli dan harga jual kembali diakui between purchase and resale price is
sebagai pendapatan bunga dengan recognised as interest income using the
menggunakan metode suku bunga efektif. effective interest method.
Efek-efek yang dijual dengan janji dibeli kembali Securities sold under repurchase agreements
merupakan transaksi dimana Bank menjual aset are transactions in which the Bank sold a
keuangan dan secara simultan masuk ke dalam financial asset and simultaneously enters into
perjanjian untuk membeli kembali aset (atau an agreement to repurchase the asset (or
aset yang serupa secara substansial) dengan substantially similar asset) at a fixed price on a
harga tetap di masa depan. future date.
Efek-efek yang dijual dengan janji untuk dibeli Securities sold under repurchase agreements
kembali disajikan sebagai liabilitas dalam are presented as liabilities in the statement of
laporan posisi keuangan sebesar harga beli financial position at the agreed repurchase
kembali yang disepakati dikurangi selisih antara price less the difference between the selling
harga jual dan harga beli kembali yang price and agreed repurchase price. The
disepakati. Selisih antara harga jual dan harga difference between the selling price and agreed
beli kembali yang disepakati tersebut repurchase price is amortised as interest
diamortisasi sebagai beban bunga selama expense over the period commencing from the
jangka waktu sejak efek-efek dijual hingga dibeli selling date to the repurchase date.
kembali.
o. Tagihan dan utang akseptasi o. Acceptance receivables and payables
Setelah pengakuan awal, tagihan dan utang Subsequent to initial recognition, acceptance
akseptasi diukur pada biaya perolehan receivables and payables are measured at
diamortisasi dengan menggunakan metode amortised cost using the effective interest
suku bunga efektif. method.
p. Penyertaan saham p. Investment in shares
(A) Penyertaan saham (A) Investment in shares
Penyertaan saham merupakan investasi Investment in shares of stock are long-
jangka panjang pada perusahaan non- term investments in non-public companies.
publik.
48
Page 522
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
p. Penyertaan saham (lanjutan) p. Investment in shares (continued)
(A) Penyertaan saham (lanjutan) (A) Investment in shares (continued)
Penyertaan saham merupakan investasi Investment in shares of stock are long-
jangka panjang pada perusahaan non- term investments in non-public companies.
publik.
Penyertaan dalam bentuk saham dengan Investments in shares of stock where the
kepemilikan kurang dari 20% yang nilai ownership interest of less than 20% that
wajarnya tidak tersedia dan dimaksudkan do not have readily determinable fair
untuk penyertaan jangka panjang values and are intended for long-term
dinyatakan sebesar estimasi terbaik atas investments are stated at their best
nilai wajarnya. Bila terjadi penurunan nilai estimate of fair value. The carrying amount
yang bersifat permanen, nilai tercatatnya of the investments is written-down to
dikurangi untuk mengakui penurunan recognise a permanent decline in the
tersebut yang ditentukan untuk setiap value of the individual investments. Any
investasi secara individu dan kerugiannya such write-down is charged directly to
dibebankan pada laporan laba rugi tahun current year statement of profit or loss.
berjalan.
(B) Penyertaan saham sementara (B) Temporary investment in shares
Penyertaan saham sementara merupakan Temporary investment in shares is
penyertaan modal oleh Bank, dalam bentuk investment in shares by Bank to debtor’s
saham pada perusahaan debitur untuk company to overcome the credit defaults,
mengatasi akibat kegagalan kredit, in accordance with the prevailing laws.
sebagaimana dimaksud dalam ketentuan
peraturan perundang-undangan yang
berlaku.
Bank wajib melakukan divestasi Bank is obliged to divest temporary
penyertaan saham sementara apabila investment in shares if the temporary
penyertaan saham sementara telah investment in shares have exceeded if
melebihi jangka waktu paling lama 5 (lima) maximum period of 5 (five) years or the
tahun atau perusahaan tersebut telah company have obtained positive retained
memperoleh saldo laba positif pada earnings in equity.
ekuitasnya.
Penyertaan dalam bentuk saham dengan Investments in shares where the
kepemilikan lebih dari 20%, tanpa ada ownership above 20%, without any
pengaruh signifikan diklasifikasikan significant influence is classified as
sebagai aset keuangan yang diukur pada financial assets at fair value through profit
nilai wajar melalui laporan laba rugi. Lihat or loss. Refer to Note 2d for the
Catatan 2d untuk kebijakan akuntansi atas accounting policy of financial assets at fair
aset keuangan dalam kelompok yang value through profit or loss.
diukur pada nilai wajar melalui laporan laba
rugi.
49
Page 523
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
q. Aset tetap dan penyusutan q. Fixed assets and depreciation
Pada tanggal 30 November 2015, Bank On November 30, 2015, the Bank changed
melakukan perubahan kebijakan akuntansi atas their accounting policies of fixed assets from
aset tetap dari model biaya menjadi model cost model to revaluation model.
revaluasi.
Aset tetap Bank disajikan sebesar nilai wajar, The Bank’s fixed assets are shown at fair
dikurangi akumulasi penyusutan dan cadangan value, less subsequent depreciation for fixed
kerugian penurunan nilai untuk aset tetap (jika assets less accumulated impairment losses (if
ada). Penilaian terhadap aset tetap dilakukan any). Valuation of fixed assets are performed
oleh penilai independen eksternal yang telah by external independent valuers with certain
memiliki sertifikasi. Penilaian atas aset tersebut qualification. Valuations are performed with
dilakukan secara berkala untuk memastikan sufficient regularity to ensure that the fair value
bahwa nilai wajar aset yang direvaluasi tidak of a revalued asset does not differ materially
berbeda secara material dengan nilai from its carrying amount. Based on Bank’s
tercatatnya. Berdasarkan kebijakan internal internal policy, valuation of fixed assets
Bank, penilaian terhadap aset tetap yang performed by external independent valuers for
dilakukan oleh penilai independen eksternal every 5 years. Any accumulated depreciation at
dilakukan 5 tahun sekali. Akumulasi penyusutan the date of revaluation is eliminated against the
pada tanggal revaluasi dieliminasi terhadap nilai gross carrying amount of the asset, and the net
tercatat bruto aset, dan nilai bersihnya disajikan amount is restated to the revalued amount of
kembali sebesar nilai revaluasian aset tetap. the asset.
Kenaikan nilai tercatat yang timbul dari Increases in the carrying amount arising on
revaluasi aset tetap dicatat sebagai “Surplus revaluation of fixed assets recorded in “Assets
revaluasi aset” dan disajikan sebagai revaluation reserve” and presented as “Other
“Penghasilan Komprehensif Lain”. Penurunan Comprehensive Income”. Decreases that offset
yang menghapus nilai kenaikan yang previous increases of the same asset are
sebelumnya atas aset yang sama dibebankan debited against “Asset revaluation reserve” as
terhadap “Surplus revaluasi aset” sebagai part of other comprehensive income; all other
bagian dari laba komprehensif; penurunan decreases are charged to the consolidated
lainnya dibebankan pada laporan laba rugi statement of profit or loss.
konsolidasian.
Surplus revaluasi aset tetap dialihkan langsung Gain on revaluation of fixed assets are
ke saldo laba ketika aset tersebut dihentikan transferred to retained earnings when fixed
pengakuannya. assets are derecognised.
Tanah tidak disusutkan. Land is not depreciated.
Penyusutan aset tetap selain tanah dihitung Depreciation of fixed assets other than land are
dengan menggunakan metode garis lurus untuk calculated based on the straight-line method to
mengalokasikan nilai setelah revaluasi terhadap allocate their revalued amount to their residual
nilai sisa sepanjang estimasi masa manfaatnya values over their estimated useful lives as
sebagai berikut: follows:
Penyusutan
Masa manfaat/ (persentase)/
Useful lives Depreciation
Tahun/Years (percentage)
Gedung kantor 20 5% Office buildings
Kendaraan bermotor 4 25% Vehicles
Mesin dan peralatan 4 25% Machinery and equipment
Perlengkapan dan perabotan kantor 4 25% Office furniture and equipment
50
Page 524
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
q. Aset tetap dan penyusutan (lanjutan) q. Fixed assets and depreciation (continued)
Nilai sisa aset, masa manfaat, dan metode The assets residual values, useful lives, and
penyusutan akan ditinjau dan jika perlu depreciation method are reviewed and adjusted
disesuaikan pada setiap akhir periode if appropriate at the end of each reporting
pelaporan. period.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, there are
tidak terdapat penyesuaian atas masa manfaat no adjustment on useful life and depreciation
dan metode penyusutan. method.
Apabila nilai tercatat aset lebih besar dari nilai When the carrying amount of an asset is
yang dapat diperoleh kembali, nilai tercatat aset greater than its estimated recoverable amount,
diturunkan menjadi sebesar nilai yang dapat it is written down immediately to its recoverable
diperoleh kembali, dengan menggunakan nilai amount, which is determined as the higher of
tertinggi antara harga jual bersih dan nilai pakai. net selling price or value in use.
Apabila aset tetap tidak digunakan lagi atau When assets are retired or disposed, their fair
dijual, maka nilai wajar dan akumulasi value and the related accumulated depreciation
penyusutannya dihapuskan dari laporan are eliminated from the financial statements.
keuangan. Keuntungan atau kerugian yang The resulting gains or losses are recognised as
terjadi, diakui sebagai laba/rugi periode related period’s profit/loss.
terjadinya.
Biaya pemeliharaan dan perbaikan dicatat Maintenance and repair cost are charged as an
sebagai beban pada saat terjadinya. expense when incurred. Expenditure that
Pengeluaran yang memperpanjang masa extends the useful life of assets is capitalised
manfaat aset dikapitalisasi dan disusutkan. and depreciated.
Aset tetap dalam proses pembangunan Assets under construction consist of assets that
merupakan aset yang masih dalam proses are still in progress of renovation or installments
renovasi atau pemasangan dan belum siap and not yet ready for use and intended to be
digunakan, serta dimaksudkan untuk used in business activity. This accounts
dipergunakan dalam kegiatan usaha. Aset ini recorded based on amounts paid.
dicatat sebesar biaya yang telah dikeluarkan.
r. Aset tak berwujud r. Intangible assets
Aset tak berwujud yang dimiliki oleh Bank Intangible assets held by the Bank is software.
berupa perangkat lunak.
Perangkat lunak, yang bukan merupakan The software, that is not an integral part of the
bagian integral dari perangkat keras yang related hardware, is recorded as an intangible
terkait, dicatat sebagai aset tak berwujud dan asset and is stated at carrying value, which is at
dinyatakan sebesar nilai tercatat, yaitu sebesar cost less accumulated amortisation.
harga perolehan dikurangi dengan akumulasi
amortisasi.
Biaya perolehan perangkat lunak terdiri dari Software acquisition costs consist of all
seluruh pengeluaran yang dapat dikaitkan expenditures attributed directly in the
langsung dalam persiapan perangkat lunak preparation of the software so ready to use in
tersebut sehingga siap digunakan sesuai accordance with the intent of management.
dengan maksud manajemen.
51
Page 525
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
r. Aset tak berwujud (lanjutan) r. Intangible assets (continued)
Pengeluaran setelah perolehan perangkat lunak Expenditures after acquisition software can be
dapat ditambahkan pada biaya perolehan added to the cost of software or capitalised as
perangkat lunak atau dikapitalisasi sebagai software only if the expenses add future
perangkat lunak hanya jika pengeluaran economic benefits of the software so as to be
tersebut menambah manfaat ekonomis masa larger than originally expected performance
depan dari perangkat lunak yang bersangkutan standards. Expenditure that does not add to
sehingga menjadi lebih besar dari standar future economic benefits of the software are
kinerja yang diperkirakan semula. Pengeluaran recognised as an expense when incurred.
yang tidak menambah manfaat ekonomis masa
depan dari perangkat lunak diakui sebagai
beban pada saat terjadinya.
Perangkat lunak dengan umur manfaat Software with certain useful life, are
terbatas, diamortisasi dengan menggunakan amortised using straight-line method over the
metode garis lurus selama estimasi masa estimated useful life of the assets, which is 4
manfaat ekonomis aset yaitu 4 (empat) tahun. (four) years.
s. Agunan yang diambil alih s. Foreclosed assets
Agunan yang diambil alih (AYDA) adalah aset Foreclosed assets represent assets acquired
yang diperoleh Bank, baik melalui pelelangan by Bank, both from auction and non-auction
maupun diluar pelelangan berdasarkan based on voluntary transfer by the debtors or
penyerahan secara sukarela oleh pemilik based on debtor’s approval to sell the
agunan atau berdasarkan kuasa untuk menjual collateral where the debtors could not fulfill
diluar lelang dari pemilik agunan dalam hal their obligations to Bank. Foreclosed assets
debitur tidak memenuhi kewajibannya kepada represent collateral acquired in settlement of
Bank. AYDA merupakan jaminan yang diambil loans, sharia financing and receivables. The
alih sebagai bagian dari penyelesaian pinjaman Bank has policy to sell foreclosed assets to
yang diberikan, piutang dan pembiayaan settle debtor’s liabilities.
syariah. Bank memiliki kebijakan untuk selalu
berusaha menjual AYDA untuk menyelesaikan
sisa kewajiban debitur.
AYDA diakui sebesar jumlah yang lebih rendah Foreclosed assets are recognised at lower
antara nilai tercatat dengan nilai bersih yang amount between carrying value and their net
dapat direalisasi (net realisable value), yaitu realisable value, which is the fair value of the
nilai wajar agunan setelah dikurangi estimasi foreclosed assets less estimated cost of
biaya pelepasan. Bila terjadi penurunan nilai liquidating the foreclosed assets. If there is a
yang bersifat permanen, maka nilai tercatatnya permanent decline in value, the carrying
dikurangi untuk mengakui penurunan tersebut amount of foreclosed collaterals in written
dan kerugiannya dibebankan dalam laporan down to recognise such permanent decline
laba rugi. in value. Any such write-down is recognised
statement of profit or loss.
Biaya pemeliharaan atas AYDA yang terjadi Holding costs of foreclosed assets
setelah pengambilalihan atau akuisisi aset subsequent to the foreclosure or acquisition
dibebankan sebagai laba/rugi pada saat of the assets are charged as current year
terjadinya. Keuntungan atau kerugian dari profit/loss as incurred. Gains or losses from
penjualan agunan yang diambil alih diakui sale of foreclosed assets are charged as
sebagai laba/rugi tahun berjalan. current year profit/loss as incurred.
52
Page 526
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
t. Biaya dibayar dimuka dan aset lain-lain t. Prepaid expenses and other assets
Biaya dibayar dimuka merupakan pembayaran Prepaid expenses are payments made to other
kepada pihak lain yang telah dilakukan namun parties but have not been recognised as
belum merupakan beban pada saat expense at the time of payment. Prepaid
pembayaran dilakukan. Biaya dibayar dimuka expenses will be used for Bank’s activities in
akan digunakan untuk aktivitas Bank di masa the future. Prepaid expenses are recognised as
mendatang. Biaya dibayar dimuka akan diakui expenses during the amortisation in
sebagai beban pada saat diamortisasi sesuai accordance with the expected period of benefit.
dengan masa manfaatnya.
Termasuk dalam biaya dibayar dimuka adalah Included in prepaid expenses are financing,
pembiayaan, pengembangan teknologi, promosi technology development, promotion and office
dan beban renovasi gedung. building renovation expense.
Termasuk di dalam aset lain-lain antara lain Included in other assets are amongst others
adalah uang muka jaminan, uang muka membership deposits, advance for fixed assets
pembelian aset, dan uang muka purchase, advance for technology
pengembangan teknologi. development.
u. Simpanan nasabah dan simpanan dari bank u. Deposits from customers and deposits from
lain other banks
Simpanan nasabah adalah dana yang Deposits from customers are the funds placed
dipercayakan oleh masyarakat (selain bank) by customers (excluding banks) with Bank
kepada Bank berdasarkan perjanjian based on fund deposit agreements. Included in
penyimpanan dana. Termasuk dalam pos ini this account are demand deposits, saving
adalah giro, tabungan, deposito berjangka, deposits, time deposits, certificates of deposits,
sertifikat deposito dan bentuk lain yang dapat and other forms which are similar.
dipersamakan dengan itu.
Simpanan dari bank lain terdiri dari liabilitas Deposits from other banks represent liabilities
terhadap bank lain dalam bentuk giro, interbank to banks in the form of demand deposits, inter-
call money, deposito berjangka, tabungan, dan bank call money, time deposits, saving
deposito on call. accounts, and deposits on call.
Simpanan dari nasabah dan dari bank lain Deposits from customers and other banks are
diklasifikasikan sebagai liabilitas keuangan classified as financial liabilities measured at
yang diukur dengan biaya perolehan amortised cost. Refer to Note 2d for the
diamortisasi. Lihat Catatan 2d untuk kebijakan accounting policy for financial liabilities
akuntansi atas liabilitas keuangan yang diukur measured at amortised cost.
dengan biaya perolehan diamortisasi.
53
Page 527
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
v. Efek-efek yang diterbitkan v. Marketable Securities issued
Efek-efek yang diterbitkan adalah obligasi yang Marketable securities issued is the issuance of
diterbitkan dan diklasifikasikan sebagai liabilitas bond which is classified as financial liabilities
keuangan yang diukur dengan biaya perolehan measured at amortised cost. Refer to Note 2d
diamortisasi. Lihat Catatan 2d untuk kebijakan for the accounting policy for financial liabilities
akuntansi atau liabilitas keuangan yang diukur at amortised cost.
dengan biaya perolehan diamortisasi.
Biaya transaksi yang timbul sehubungan Transaction cost in relation with the marketable
dengan penerbitan efek-efek dikurangkan dari securities issued is deducted from the related
hasil penerbitan efek-efek bersangkutan. Selisih marketable securities issued. Any difference
antara hasil emisi bersih dengan nilai nominal between net proceed of bond issuance and
obligasi diakui sebagai diskonto yang nominal of bond is recognised as discount and
diamortisasi menggunakan metode suku bunga will be amortised using effective interest rate
efektif selama umur obligasi. during bond’s period.
w. Pinjaman yang diterima w. Borrowings
Pada pengukuran awal pinjaman diterima dan Borrowings and subordinated loans are initially
pinjaman subordinasi disajikan sebesar nilai presented at fair value less directly attributable
wajar dikurangi dengan biaya transaksi yang transaction costs to the acquisition or issuance
dapat diatribusikan langsung dengan of subordinated loans and bonds.
perolehan/penerbitan pinjaman dan obligasi
subordinasi.
Pinjaman yang diterima dan pinjaman Borrowings and subordinated loans are
subordinasi diklasifikasikan sebagai liabilitas classified as financial liabilities measured at
keuangan yang diukur dengan biaya perolehan amortised cost. Refer to Note 2d for the
diamortisasi. Lihat Catatan 2d untuk kebijakan accounting policy for financial liabilities
akuntansi atas liabilitas keuangan yang diukur measured at amortised cost.
dengan biaya perolehan diamortisasi.
x. Transaksi Sewa x. Leases Transaction
Pada tanggal permulaan kontrak, Bank menilai At the inception of a contract, the Bank
apakah kontrak merupakan atau mengandung assesses whether the contract is or contains a
sewa. Suatu kontrak merupakan atau leases. A contract is or contains a leases if the
mengandung sewa jika kontrak tersebut contract conveys the right to control the use of
memberikan hak untuk mengendalikan an identified assets for a period of time in
penggunaan aset identifikasian selama suatu exchange for consideration. The Bank can
jangka waktu untuk dipertukarkan dengan choose not to recognise the right-of-use asset
imbalan. Bank dapat memilih untuk tidak and lease liabilities for:
mengakui aset hak-guna dan liabilitas sewa
untuk:
- Sewa jangka pendek; dan - Short-term lease; and
- Sewa yang aset pendasarnya bernilai- - Low value asset.
rendah.
Untuk menilai apakah kontrak memberikan hak To assess whether a contract conveys the right
untuk mengendalikan penggunaan aset to control the use of an identified asset, the
identifikasian, Bank harus menilai apakah: Bank shall assess whether:
- Bank memiliki hak untuk mendapatkan - The Bank has the right to obtain
secara substansial seluruh manfaat substantially all the economic benefit from
ekonomi dari penggunaan aset use of the asset throughout the period of
identifikasian; dan use; and
54
Page 528
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
x. Transaksi Sewa (lanjutan) x. Leases Transaction (continued)
Untuk menilai apakah kontrak memberikan hak To assess whether a contract conveys the right
untuk mengendalikan penggunaan aset to control the use of an identified asset, the
identifikasian, Bank harus menilai apakah: Bank shall assess whether: (continued)
(lanjutan)
- Bank memiliki hak untuk mengarahkan - The Bank has the right to direct the use of
penggunaan aset identifikasian. Bank the asset. The Bank has described when it
memiliki hak ini ketika Bank memiliki hak has a decision-making rights that are the
untuk pengambilan keputusan yang relevan most relevant to changing how and for what
tentang bagaimana dan untuk tujuan apa purpose the asset is used are
aset digunakan telah ditentukan predetermined:
sebelumnya:
1. Bank memiliki hak untuk 1. The Bank has the right to operate the
mengoperasikan aset; dan asset; and
2. Bank telah mendesain aset dengan 2. The Bank has designed the asset in
cara menetapkan sebelumnya a way that predetermine how and for
bagaimana dan untuk tujuan apa aset what purpose it will be used.
akan digunakan selama periode
penggunaan.
Pada tanggal permulaan sewa, Bank mengakui The Bank recognises a right-of-use asset and
aset hak-guna dan liabilitas sewa. Aset hak- a leases liability at the leases commencement
guna diukur pada biaya perolehan, dimana date. The right-of-use asset is initially measured
meliputi jumlah pengukuran awal liabilitas sewa at cost, which comprises the initial amount of
yang disesuaikan dengan pembayaran sewa the leases liability adjusted for any leases
yang dilakukan pada atau sebelum tanggal payment made at or before the commencement
permulaan, ditambah dengan biaya langsung date, plus any initial direct cost incurred. The
awal yang dikeluarkan. Aset hak-guna right-of-use asset is amortised over the straight-
diamortisasi dengan menggunakan metode line method throughout the lease term.
garis lurus sepanjang jangka waktu sewa.
Liabilitas sewa diukur pada nilai kini The lease liability is initially measured at the
pembayaran sewa yang belum dibayar pada present value of the lease payments that are
tanggal permulaan, didiskontokan dengan not paid at the commencement date, discounted
menggunakan suku bunga implisit dalam sewa using the interest rate implicit in the lease or, if
atau jika suku bunga tersebut tidak dapat that right cannot be readily determined, using
ditentukan, maka menggunakan suku bunga incremental borrowing rate. Generally, the Bank
pinjaman inkremental. Pada umumnya, Bank uses its incremental borrowing rate as
menggunakan suku bunga pinjaman a discount rate.
inkremental sebagai tingkat bunga diskonto.
Pembayaran sewa dialokasikan menjadi bagian Each leases payment is allocated between the
pokok dan biaya keuangan. Biaya keuangan liability and finance cost. The finance cost is
dibebankan pada laba rugi selama periode charged to profit or loss over the leases period
sewa sehingga menghasilkan tingkat suku so as to produce a constant periodic rate of
bunga periodik yang konstan atas saldo interest on the remaining balance of the liability
liabilitas untuk setiap periode. for each period.
55
Page 529
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
x. Transaksi Sewa (lanjutan) x. Leases Transaction (continued)
Jika sewa mengalihkan kepemilikan aset If the leases transfers ownership of the
pendasar kepada Bank pada akhir masa sewa underlying asset to the Bank by the end of the
atau jika biaya perolehan aset hak-guna leases term or if the cost of the right-of-use
merefleksikan Bank akan mengeksekusi opsi asset reflects that the Bank will exercise
beli, maka Bank menyusutkan aset hak-guna a purchase option, the Bank depreciates the
dari tanggal permulaan hingga akhir umur right-of-use asset from the commencement date
manfaat aset pendasar. Jika tidak, maka Bank to the end of the useful life of the underlying
menyusutkan aset hak-guna dari tanggal asset. Otherwise, the Bank depreciates the
permulaan hingga tanggal yang lebih awal right-of-use asset from the commencement date
antara akhir umur manfaat aset hak-guna atau to the earlier of the end of the useful life of the
akhir masa sewa. right-of-use asset or the end of the leases term.
Bank menganalisa fakta dan keadaan untuk The Bank analyses the facts and circumstances
masing-masing jenis hak atas tanah dalam for each type of landrights in determining the
menentukan akuntansi untuk masing-masing accounting for each of these land rights so that
hak atas tanah tersebut sehingga dapat it can accurately represent an underlying
merepresentasikan dengan tepat suatu kejadian economic event or transaction. If the landrights
atau transaksi ekonomik yang mendasarinya. do not transfer control of the underlying assets
Jika hak atas tanah tersebut tidak mengalihkan to the Bank, but gives the rights to use the
pengendalian atas aset pendasar kepada underlying assets, the Bank applies the
Bank, melainkan mengalihkan hak untuk accounting treatment of these transactions as
menggunakan aset pendasar, Bank leases under SFAS 73, “Lease”, except if
menerapkan perlakuan akuntansi atas transaksi landrights substantially similar to land
tersebut sebagai sewa berdasarkan PSAK 73, purchases, the Bank applies SFAS 16,
“Sewa”, kecuali jika hak atas tanah secara “Property, plant and equipment”.
substansi menyerupai pembelian tanah, maka
Bank menerapkan PSAK 16, “Aset tetap”.
Modifikasi sewa Leases modification
Bank mencatat modifikasi sewa sebagai sewa The Bank account for a leases modification as a
terpisah jika: separate leases if both:
- modifikasi meningkatkan ruang lingkup sewa - the modification increases the scope of the
dengan menambahkan hak untuk leases by adding the right to use one or
menggunakan satu aset pendasar atau more underlying assets;
lebih;
- imbalan sewa meningkat sebesar jumlah - the consideration for the leases increases by
yang setara dengan harga tersendiri untuk an amount commensurate with the stand-
peningkatan dalam ruang lingkup dan alone price for the increase in scope and
penyesuaian yang tepat pada harga any appropriate adjustments to that stand-
tersendiri tersebut untuk merefleksikan alone price to reflect the circumstances of
kondisi kontrak tertentu. the particular contract.
y. Pendapatan dan beban bunga dan syariah y. Interest income and expense and sharia
Konvensional Conventional
Pendapatan dan beban bunga untuk semua Interest income and expense for all interest
instrumen keuangan dengan interest bearing bearing financial instruments are recorded
dicatat dalam pendapatan bunga dan beban within interest income and interest expense
bunga menggunakan metode suku bunga using the effective interest rate method.
efektif.
56
Page 530
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
y. Pendapatan dan beban bunga dan syariah y. Interest income and expense and sharia
(lanjutan) (continued)
Konvensional (lanjutan) Conventional (continued)
Metode suku bunga efektif adalah metode yang The effective interest rate method is a method
digunakan untuk menghitung biaya perolehan of calculating the amortised cost of a financial
diamortisasi dari aset keuangan atau liabilitas asset or a financial liability and method of
keuangan dan metode untuk mengalokasikan allocating the interest income or interest
pendapatan bunga atau beban bunga selama expense over the relevant period.
periode yang relevan.
Suku bunga efektif adalah suku bunga yang The effective interest rate is the rate that
secara tepat mendiskontokan estimasi exactly discounts estimated future cash
pembayaran atau penerimaan kas di masa payments or receipts through the expected life
datang selama perkiraan umur dari instrumen of the financial instrument or, when
keuangan, atau bilamana tepat, digunakan appropriate, a shorter period to the net carrying
periode yang lebih singkat untuk memperoleh amount of the financial asset or financial
nilai tercatat bersih dari aset keuangan atau liability. When calculating the effective interest
liabilitas keuangan. Pada saat menghitung suku rate, Bank estimates cash flows considering all
bunga efektif, Bank mengestimasi arus kas contractual terms of the financial instrument,
dengan mempertimbangkan seluruh but does not consider future credit losses. The
persyaratan kontraktual dalam instrumen calculation includes all fees, commissions, and
keuangan tersebut, namun tidak other fees paid or received between parties to
mempertimbangkan kerugian kredit di masa the contract that are an integral part of the
datang. Perhitungan ini mencakup seluruh effective interest rate, transaction costs, and all
komisi, provisi, dan bentuk lain yang dibayarkan other premiums or discounts.
atau diterima oleh para pihak dalam kontrak
yang merupakan bagian tak terpisahkan dari
suku bunga efektif, biaya transaksi, dan seluruh
premi atau diskon lainnya.
Jika aset keuangan atau kelompok aset Once a financial asset or a bank of similar
keuangan serupa telah diturunkan nilainya financial assets has been written down as
sebagai akibat kerugian penurunan nilai, maka a result of an impairment loss, interest income
pendapatan bunga yang diperoleh setelahnya is recognised on the unimpaired portion using
diakui atas bagian aset keuangan yang tidak the rate of interest used to discount the future
mengalami penurunan nilai, berdasarkan suku cash flows for the purpose of measuring the
bunga yang digunakan untuk mendiskonto arus impairment loss.
kas masa datang dalam menghitung kerugian
penurunan nilai.
Pendapatan bunga atas pinjaman yang Interest income on loans or other earning
diberikan atau aset produktif lainnya yang assets classified as non-performing is
diklasifikasikan sebagai bermasalah diakui pada recognised at the time the interest is received.
saat pendapatan tersebut diterima. Pada saat When a financial asset is classified as non-
aset keuangan diklasifikasikan sebagai performing, any interest income previously
bermasalah, bunga yang telah diakui tetapi recognised but not yet collected is reversed
belum ditagih akan dibatalkan pengakuannya. against interest income. The reversed interest
Selanjutnya bunga yang dibatalkan tersebut income is recognised as a contingent
diakui sebagai tagihan kontinjensi. receivable.
Pendapatan dan beban syariah Sharia income and expense
Pendapatan pengelolaan dana oleh Entitas Revenue from fund management by Subsidiary
Anak sebagai mudharib terdiri atas pendapatan as mudharib consists of income from sales and
dari jual dan beli transaksi murabahah, purchases of murabahah transactions, profit
pendapatan bagi hasil dari mudharabah dan sharing from mudharabah and musyarakah
musyarakah, pendapatan dari sewa (ijarah) dan financing, income from lease (ijarah) and other
pendapatan usaha utama lainnya. main operating income.
57
Page 531
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
y. Pendapatan dan beban bunga dan syariah y. Interest income and expense and sharia
(lanjutan) (continued)
Pendapatan dan beban syariah (lanjutan) Sharia income and expense (continued)
Entitas Anak menetapkan kebijakan tingkat The Subsidiary prescribes the risk rate policies
risiko berdasarkan ketentuan internal. Entitas based on the internal regulation. The
Anak melakukan penghentian amortisasi Subsidiary leases the amortisation of deferred
pendapatan ditangguhkan pada saat income at the time its financing is classified as
pembiayaan diklasifikasikan sebagai non- non-performing. The Subsidiary’s income from
performing. Pendapatan Entitas Anak dari business transactions that are classified as
transaksi usaha yang diklasifikasikan sebagai non-performing is recorded as revenue to be
non-performing dicatat sebagai pendapatan received in the statement of commitments and
yang akan diterima pada laporan komitmen dan contingencies.
kontinjensi.
Pendapatan ijarah diakui selama masa akad Income from ijarah is recognised over the
menggunakan metode flat (proporsional). period of the contract with flat (proportional)
method.
Pendapatan bagi hasil musyarakah yang Profit sharing income for passive partner in
menjadi hak mitra pasif diakui dalam periode musyarakah is recognised in the period when
terjadinya hak bagi hasil sesuai nisbah yang the right arises in accordance with nisbah
disepakati. (the agreed sharing ratio).
Pendapatan bagi hasil mudharabah diakui Profit sharing income from mudharabah is
dalam periode terjadinya hak bagi hasil sesuai recognised in the period when the right arises
nisbah yang disepakati dan tidak diperkenankan in accordance with the agreed sharing ratio
mengakui pendapatan dari proyeksi hasil and the recognition based on projection of
usaha. income is not allowed.
Pengakuan pendapatan atas piutang The revenue recognition of murabahah
murabahah diakui pada laba rugi dengan receivables are recognised in profit or loss
menggunakan metode tingkat imbal hasil efektif. using the effective rate of return method.
Tingkat imbal hasil efektif merupakan metode Effective rate of return is an allocation method
alokasi pengakuan pendapatan dan merupakan of revenue recognition and the rate that exactly
tingkat imbal hasil yang secara tepat discounts the estimated future cash receipts
mendiskontokan estimasi penerimaan kas di through the expected life of the murabahah
masa depan selama perkiraan umur dari receivable to obtain the carrying amount of
piutang murabahah untuk memperoleh biaya a murabahah receivable. When calculating the
perolehan diamortisasi dari piutang murabahah. effective rate of return, the Subsidiary
Pada saat menghitung tingkat imbal hasil estimates future cash flows by considering all
efektif, Entitas Anak mengestimasi arus kas di contractual terms of the murabahah receivable,
masa datang dengan mempertimbangkan but does not consider the loss of receivables in
seluruh persyaratan kontraktual dalam piutang the future. This calculation includes all
murabahah tersebut, tetapi tidak commissions, fees, and other forms received
mempertimbangkan kerugian piutang di masa by the parties in a contract that are an integral
mendatang. Perhitungan ini mencakup seluruh part of the effective rate of return, transaction
komisi, provisi, dan bentuk lain yang diterima costs, and all other premiums or discounts.
oleh para pihak dalam akad yang merupakan
bagian tidak terpisahkan dari tingkat imbal hasil
efektif, biaya transaksi, dan seluruh premi atau
diskon lainnya.
58
Page 532
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
y. Pendapatan dan beban bunga dan syariah y. Interest income and expense and sharia
(lanjutan) (continued)
Pendapatan dan beban syariah (lanjutan) Sharia income and expense (continued)
Hak nasabah atas bagi hasil dana syirkah Third parties’s share on returns of temporary
temporer merupakan bagian bagi hasil milik syirkah funds represents customer’s share on
nasabah yang didasarkan pada prinsip the Subsidiary’s income derived from the
mudharabah atas hasil pengelolaan dana management of their funds by the Subsidiary
mereka oleh Entitas Anak. Pendapatan yang under mudharabah principles. Income that will
dibagikan adalah kas yang telah diterima (cash be distributed is the cash received (cash basis)
basis) dari bagi hasil. from the share.
Pembagian hasil usaha dilakukan berdasarkan The distribution of revenue is based on profit
prinsip bagi hasil usaha yaitu dari laba kotor sharing scheme on the Subsidiary’s gross
Entitas Anak (gross profit margin). profit margin.
Pendapatan marjin dan bagi hasil atas Margin income and profit sharing on financing
pembiayaan yang diberikan dan atas aset facilities and other earning assets are
produktif lainnya akan dibagikan kepada distributed to fund owners and the Subsidiary
nasabah penyimpan dana dan Entitas Anak based on proportion of fund used in the
sesuai dengan proporsi dana yang dipakai financing and other earning assets. Margin
dalam pembiayaan yang diberikan dan aset income and profit sharing income allocated to
produktif lainnya. Pendapatan marjin dan bagi the fund owners are then distributed to fund
hasil yang tersedia untuk nasabah tersebut owners as shahibul maal and the Subsidiary as
kemudian dibagihasilkan ke nasabah penabung mudharib based on a predetermined ratio
dan deposan sebagai shahibul maal dan Entitas (nisbah). Margin income and profit sharing
Anak sebagai mudharib sesuai porsi nisbah from financing facilities and other earning
bagi hasil yang telah disepakati bersama assets using the Subsidiary's funds, are
sebelumnya. Pendapatan marjin dan bagi hasil entirely shared for the Subsidiary, including
dari pembiayaan dan aset produktif lainnya income from the Subsidiary's fee-based
yang memakai dana Entitas Anak, seluruhnya transactions.
menjadi milik Entitas Anak, termasuk
pendapatan dari investasi bank berbasis
imbalan.
z. Pendapatan provisi dan komisi z. Fees and commissions income
Provisi dan komisi yang berkaitan langsung Fees and commissions income directly related
dengan kegiatan pemberian pinjaman diakui to lending activities, are recognised as
sebagai bagian/(pengurang) dari biaya a part/(deduction) of lending cost and will be
perolehan pinjaman dan akan diakui sebagai recognised as interest income by amortising
pendapatan bunga dengan cara diamortisasi the carrying value of loan with effective interest
berdasarkan metode suku bunga efektif. rate method.
Pendapatan provisi dan komisi yang tidak Fees and commissions income which are not
berkaitan dengan kegiatan pemberian pinjaman related to lending activities on a specific period
atas suatu jangka waktu diakui sebagai are recognised as income incurred at the
pendapatan pada saat terjadinya transaksi transaction date as other operating income.
sebagai pendapatan operasional lainnya.
59
Page 533
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
aa. Pendapatan dan beban operasional lainnya aa. Other operating income and expenses
Beban tenaga kerja Personnel expenses
Beban tenaga kerja meliputi beban berupa gaji Personnel expenses include expenses related
karyawan, bonus, lembur dan tunjangan. with salaries for employees, bonuses, overtime
and allowances.
Beban umum dan administrasi General and administrative expenses
Beban umum dan administrasi merupakan General and administrative expenses
beban yang timbul sehubungan dengan represent expenses related to office activities
aktivitas kantor dan operasional Bank. and Bank operational activities.
Seluruh pendapatan dan beban yang terjadi All of these income and expenses are recorded
dibebankan sebagai laba/rugi pada saat as profit/loss when incurred.
terjadinya.
ab. Perpajakan ab. Taxation
Beban pajak terdiri dari pajak kini dan pajak The tax expense comprises of current and
tangguhan. Pajak diakui dalam laporan laba deferred tax. Tax is recognised in the profit or
rugi, kecuali jika pajak tersebut terkait dengan loss, except to the extent that it relates to items
transaksi atau kejadian yang langsung diakui di recognised directly in other comprehensive
pendapatan komprehensif lain atau langsung income or in equity. In this case, the tax is also
diakui ke ekuitas. Dalam hal ini, pajak tersebut recognised in other comprehensive income or
masing-masing diakui dalam pendapatan in equity, respectively.
komprehensif lain atau ekuitas.
Manajemen secara periodik mengevaluasi Management periodically evaluates positions
posisi yang dilaporkan di Surat Pemberitahuan takes in tax return with respect to situations in
Tahunan (“SPT”) sehubungan dengan situasi which applicable tax regulation is subject to
dimana aturan pajak yang berbeda interpretation. It establishes provision where
membutuhkan interpretasi. Jika perlu, appropriate, on the basis of amounts expected
manajemen menentukan provisi berdasarkan to be paid to the tax authorities.
jumlah yang diharapkan akan dibayar kepada
otoritas pajak.
Pajak penghasilan tangguhan disajikan dengan Deferred income tax is provided using the
menggunakan metode liabilitas. Pajak liability method. Deferred income tax on
penghasilan tangguhan timbul akibat perbedaan temporary differences arising between the tax
temporer antara aset dan liabilitas menurut base of assets and liabilities and their carrying
ketentuan-ketentuan pajak dengan nilai tercatat amounts in the financial statements. Currently
aset dan liabilitas dalam laporan keuangan. enacted or substantially enacted tax rates are
Tarif pajak yang berlaku atau yang secara used in the determination of deferred income
substansial telah berlaku digunakan dalam tax.
menentukan besarnya jumlah pajak
penghasilan tangguhan.
60
Page 534
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
ab. Perpajakan (lanjutan) ab. Taxation (continued)
Aset pajak tangguhan diakui apabila terdapat Deferred tax assets are recognised to the
kemungkinan besar bahwa jumlah laba fiskal di extent that it is probable that future taxable
masa mendatang akan memadai untuk profit will be available against which the
mengkompensasi perbedaan temporer yang temporary differences can be utilised. Deferred
menimbulkan aset pajak tangguhan tersebut. Income tax assets and liabilities are offset
Aset dan liabilitas pajak penghasilan tangguhan when there is a legally enforceable right to
dapat saling hapus apabila terdapat hak yang offset current tax assets against current tax
berkekuatan hukum untuk melakukan saling liabilities and when deferred income taxes
hapus antara aset pajak kini dengan liabilitas assets and liabilities relate to income taxes
pajak kini dan apabila aset dan pajak levied by the same taxation authority where tax
penghasilan tangguhan dikenakan oleh otoritas is an intention to settle the balance on a net
perpajakan yang sama dan adanya niat untuk basis.
melakukan penyelesaian saldo secara bersih.
Taksiran pajak penghasilan Bank dihitung untuk The estimated corporate income tax of Bank is
masing-masing perusahaan sebagai badan calculated for each company as a separate
hukum terpisah. Aset pajak kini dan liabilitas legal entity. Current tax assets and current tax
pajak kini untuk badan hukum yang berbeda liabilities for different legal entities cannot be
tidak disalinghapuskan dalam laporan net-off in the financial statements.
keuangan.
ac. Imbalan kerja ac. Employee benefits
Imbalan kerja jangka pendek Short term employee benefits
Imbalan kerja jangka pendek diakui pada saat Short term employee benefits are recognised
terutang kepada karyawan. when they are accrued to the employees.
Liabilitas imbalan kerja karyawan Employee benefits obligation
Bank memiliki program pensiun sesuai dengan The Bank have pension scheme in accordance
peraturan dan perundang-undangan yang with prevailing labor-related laws and
berhubungan dengan ketenagakerjaan atau regulations of Bank’s policies. The scheme is
kebijakan yang ditetapkan oleh Bank. Program generally funded through payments to trustee-
ini pada umumnya didanai melalui pembayaran administered funds as determined by periodic
kepada pengelola dana pensiun yang besarnya actuarial calculations.
ditentukan dalam perhitungan aktuarial yang
dilakukan secara berkala.
Bank harus menyediakan program pensiun The Bank are required to provide a minimum
dengan jumlah minimal tertentu sesuai dengan amount of pension benefits in accordance with
UU Cipta Kerja No. 11/2020 (2020: Undang- Job Creation Law Art No.11/2020 (2020: Labor
Undang (UU) Ketenagakerjaan No. 13/2003). Law No. 13/2003). Since the Labor Law sets
Karena Undang-Undang Ketenagakerjaan the formula for determining the minimum
menentukan rumus tertentu untuk menghitung amount of benefits, in substance pension plans
jumlah minimal imbalan pensiun, maka pada under the Labor Law represent defined benefit
dasarnya program pensiun berdasarkan plans. A defined benefit plan is a pension plan
Undang-Undang Ketenagakerjaan adalah that defines an amount of pension benefit to be
program manfaat pasti. Program pensiun provided, usually as a function of one or more
manfaat pasti adalah program pensiun yang factors such as age, years of service or total
menentukan jumlah imbalan pensiun yang akan compensation.
diberikan, biasanya didasarkan pada satu faktor
atau lebih seperti usia, masa kerja atau jumlah
kompensasi.
61
Page 535
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
ac. Imbalan kerja (lanjutan) ac. Employee benefits (continued)
Liabilitas imbalan kerja karyawan (lanjutan) Employee benefits obligation (continued)
Liabilitas diakui pada laporan posisi keuangan The liability recognised in the statement of
sebesar nilai kini kewajiban imbalan pasti pada financial position is the present value of the
akhir periode pelaporan dikurangi nilai wajar defined benefit obligation at the end of the
aset program. Kewajiban imbalan pasti dihitung reporting period less the fair value of plan
setiap tahun oleh aktuaris yang independen assets. The defined benefit obligation is
dengan menggunakan metode projected unit calculated annually by independent actuaries
credit. Nilai kini kewajiban imbalan pasti using the projected unit credit method. The
ditentukan dengan mendiskontokan arus kas present value of the defined benefit obligation
keluar yang diestimasi dengan menggunakan is determined by discounting the estimated
tingkat bunga Obligasi Pemerintah (dikarenakan future cash outflows using interest rates of
saat ini tidak ada pasar aktif untuk obligasi Government Bonds (considering currently
perusahaan yang berkualitas tinggi) yang there is no active market for high-quality
didenominasikan dalam Rupiah dimana imbalan corporate bonds) that are denominated in
akan dibayarkan dan memiliki jangka waktu Rupiah in which the benefits will be paid, and
jatuh tempo mendekati jangka waktu kewajiban that have terms to maturity approximating to
pensiun. the terms of the related pension obligation.
Keuntungan dan kerugian aktuarial yang timbul Actuarial gains and losses arising from
dari penyesuaian dan perubahan dalam experience adjustments and changes
asumsi-asumsi aktuarial langsung diakui inactuarial assumptions charged or credited to
seluruhnya melalui pendapatan komprehensif equity in other comprehensive income in the
lainnya pada saat terjadinya. period in which they arise.
Biaya jasa lalu diakui segera dalam laporan Past-service costs are recognised immediately
laba rugi. Keuntungan dan kerugian dari in the statements of profit or loss. Gains or
kurtailmen atau penyelesaian program manfaat losses on the curtailment or settlement of
pasti diakui di laba rugi ketika kurtailmen atau a defined benefit plan are recognised in the
penyelesaian tersebut terjadi. statement of profit or loss when the curtailment
or settlement occurs.
Pesangon pemutusan kontrak terhutang ketika Termination benefits are payable whenever an
karyawan diberhentikan sebelum usia pensiun employee’s employment is terminated before
normal. the normal retirement age.
Bank mengakui pesangon pemutusan kontrak The Bank recognise termination benefits when
kerja ketika Bank menunjukkan komitmennya it is demonstrably committed to terminate the
untuk memutuskan hubungan kerja dengan employment of current employees according to
karyawan berdasarkan suatu rencana formal a detailed formal plan which has small
terperinci yang kecil kemungkinannya untuk probability to withdraw. Benefits, due more
dibatalkan. Pesangon yang akan dibayarkan than 12 (twelve) months after statement of
dalam waktu lebih dari 12 (dua belas) bulan financial position’s date are discounted to
setelah tanggal laporan posisi keuangan present value.
didiskontokan untuk mencerminkan nilai kini.
62
Page 536
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
ac. Imbalan kerja (lanjutan) ac. Employee benefits (continued)
Perubahan Kebijakan Akuntansi Changes in Accounting Policy
Pada bulan April 2022, Dewan Standar In April 2022, the Institute of Indonesia
Akuntansi Keuangan Ikatan Akuntan Indonesia Chartered Accountant’s Accounting Standard
(“DSAK IAI”) menerbitkan siaran pers atas Board (“DSAK IAI”) issued a press release
persyaratan pengatribusian imbalan pada regarding attribution of benefits to periods of
periode jasa sesuai PSAK 24: Imbalan Kerja service in accordance with FSAS 24: Imbalan
yang diadopsi dari IAS 19 Employee Benefits. Kerja which was adopted from IAS 19
Siaran pers tersebut menyampaikan informasi Employee Benefits. The press release
bahwa pola fakta umum dari program pensiun conveyed the information that the fact pattern
berbasis Undang-Undang Ketenagakerjaan of the pension program based on the Labor
yang berlaku di Indonesia saat ini memiliki pola Law currently enacted in Indonesia is similar to
fakta serupa dengan yang ditanggapi dan those responded and concluded in the IFRS
disimpulkan dalam IFRS Intepretation Interpretation Committee (“IFRIC”) Agenda
Committee (“IFRIC”) Agenda Decision Decision Attributing Benefit to Periods of
Attributing Benefit to Periods of Service (IAS Service (IAS 19). The Company has adopted
19). Kelompok Usaha telah menerapkan siaran the said press release and accordingly
pers tersebut dan dengan demikian merubah changed its accounting policy regarding
kebijakan akuntansi terkait atribusi imbalan attribution of benefits to periods of service
kerja pada periode jasa dari kebijakan yang previously applied.
diterapkan sebelumnya.
Pada tahun-tahun sebelumnya, Bank In prior years, the Bank attribute benefits under
mengatribusikan imbalan berdasarkan formula the defined benefit plan’s benefit formula to
imbalan program imbalan pasti berdasarkan periods of service from the date when
masa kerja sejak tanggal pekerja memberikan employees provide their services until
jasa hingga usia pensiun. Bank telah mengubah theirretirement age. The Bank change the
kebijakan akuntansinya untuk mengatribusikan policy for attributing benefits under the plan to
imbalan berdasarkan program tersebut, yaitu the date when employee service first leads to
dari tanggal ketika jasa pekerja pertama kali benefits under the plan until the date when
menghasilkan imbalan dalam program sampai further employee service will lead to no
dengan tanggal ketika jasa pekerja selanjutnya material amount of further benefits under the
tidak akan menghasilkan jumlah imbalan yang plan.
material di bawah program tersebut.
ad. Laba per saham ad. Earnings per share
Laba per saham dasar dihitung dengan Basic earnings per share is computed by
membagi laba bersih dengan rata-rata dividing net income with the weighted average
tertimbang jumlah saham biasa yang beredar number of common shares outstanding during
pada periode yang bersangkutan. the period.
Laba per saham dilusian dihitung dengan Diluted earnings per share is calculated by
membagi laba bersih dengan rata-rata dividing net income by the weighted average
tertimbang jumlah saham yang beredar number of shares outstanding plus the
ditambah dengan rata-rata tertimbang jumlah weighted average number of shares
saham yang akan diterbitkan atas konversi efek outstanding which would be issued on the
yang berpotensi saham yang bersifat dilutif. conversion of the dilutive potential shares.
63
Page 537
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
ae. Penjabaran mata uang asing ae. Foreign currency translation
Laporan keuangan disajikan dalam mata uang The financial statements are presented in
Rupiah, yang merupakan mata uang fungsional Rupiah, which is the functional and
dan penyajian Bank. Transaksi dalam mata presentation currency of the Bank.
uang asing dijabarkan ke mata uang Rupiah Transactions denominated in a foreign
dengan menggunakan kurs yang berlaku pada currency are converted into Rupiah at the
tanggal transaksi tersebut. Pada setiap tanggal exchange rate prevailing at the date of the
pelaporan, aset dan liabilitas moneter dalam transaction. As at each reporting date,
mata uang asing dijabarkan ke mata uang monetary assets and liabilities in foreign
Rupiah dengan kurs penutupan Bank Indonesia currencies are translated into Rupiah using the
pada pukul 16:00 Waktu Indonesia Barat yang Bank Indonesia closing exchange rate at 16:00
berlaku pada tanggal pelaporan. Western Indonesian Time prevailing at
reporting date.
Keuntungan dan kerugian selisih kurs yang Exchange gains and losses arising on
timbul dari transaksi dalam mata uang asing transactions in foreign currencies and on the
dan penjabaran aset dan kewajiban moneter translation of foreign currency monetary assets
dalam mata uang asing, diakui dalam laporan and liabilities are recognised in the statement
laba rugi. of profit or loss.
Berikut ini adalah kurs mata uang asing utama Below are the major exchange rates used as of
yang digunakan pada tanggal-tanggal December 31, 2023 and 2022 using the
31 Desember 2023 dan 2022 yang Reuter’s middle rates at 16:00 Western
menggunakan kurs tengah Reuters pukul 16:00 Indonesian Time (full amount):
Waktu Indonesia Barat (nilai penuh):
31 Desember/December 31,
2023 2022
Poundsterling Inggris 19.627 18.786 Great Britain Poundsterling
Franc Swiss 18.299 16.827 Swiss Franc
Euro Eropa 17.038 16.582 European Euro
Dolar Amerika Serikat 15.397 15.568 United States Dollar
Dolar Singapura 11.676 11.593 Singapore Dollar
Dolar Kanada 11.630 11.486 Canadian Dollar
Dolar Australia 10.521 10.558 Australian Dollar
Dolar New Zealand 9.766 9.851 New Zealand Dollar
Riyal Arab 4.106 4.139 Saudi Riyal
Ringgit Malaysia 3.355 3.534 Malaysian Ringgit
Yuan China 2.170 2.239 Chinese Yuan
Dolar Hongkong 1.971 1.997 Hongkong Dollar
Dolar Taiwan 504 506 New Taiwan Dollar
Baht Thailand 450 451 Thailand Baht
Yen Jepang 109 118 Japanese Yen
Won Korea 12 12 Korean Won
64
Page 538
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
af. Transaksi dengan pihak berelasi af. Transactions with related parties
Bank melakukan transaksi dengan pihak The Bank has transactions with related parties.
berelasi. Sesuai dengan PSAK 7 tentang In accordance with SFAS 7 regarding “Related
“Pengungkapan Pihak-pihak yang Berelasi”, Party Disclosure”, the meaning of a related
yang dimaksud dengan pihak yang berelasi party is a person or entity that is related to
adalah orang atau entitas yang berelasi dengan a reporting entity as follow:
entitas pelapor sebagai berikut:
a. Orang atau anggota keluarga terdekatnya a. A person or a close member of that
berelasi dengan entitas pelapor jika orang person’s family is related to a reporting
tersebut: entity if:
i. memiliki pengendalian atau i. has control or joint control over the
pengendalian bersama terhadap reporting entity;
entitas pelapor;
ii. memiliki pengaruh signifikan terhadap ii. has significant influence over the
entitas pelapor; atau reporting entity; or
iii. personal manajemen kunci entitas iii. is member of the key management
pelapor atau entitas induk pelapor. personnel of the reporting entity or
a parent of the reporting entity.
b. Suatu entitas berelasi dengan entitas b. An entity is related to a reporting entity if
pelapor jika memenuhi hal-hal sebagai any of the following conditions applies:
berikut:
i. entitas dan entitas pelapor adalah i. the entity and the reporting entity are
anggota dari kelompok usaha yang member of the same the company
sama (artinya entitas induk, entitas (which means that each parent,
anak, dan entitas anak berikutnya subsidiary, and fellow subsidiary is
terkait dengan entitas lain); related to the others);
ii. suatu entitas adalah entitas asosiasi ii. one entity is an associate or joint
atau ventura bersama bagi entitas lain venture of the other entity (or an
(atau entitas asosiasi atau ventura associate or joint venture of member of
bersama yang merupakan anggota a company of which the other entity is
suatu kelompok usaha, di mana entitas a member);
lain tersebut adalah anggotanya);
iii. kedua entitas tersebut adalah ventura iii. both entities are joint ventures of the
bersama dari pihak ketiga yang sama; same third party;
iv. suatu entitas adalah ventura bersama iv. one entity is a joint venture of a third
dari entitas ketiga dan entitas yang lain entity and the other entity is an
adalah entitas asosiasi dari entitas associate of the third entity;
ketiga;
v. entitas tersebut adalah suatu program v. the entity is a post-employment benefit
imbalan pasca kerja untuk imbalan plan for the benefit of employees of
kerja dari suatu entitas pelapor atau either the reporting entity or an entity
entitas yang terkait dengan entitas related to the reporting entity;
pelapor;
vi. entitas yang dikendalikan atau vi. the entity controlled or jointly controlled
dikendalikan bersama oleh orang yang by a person identified in (a); or
diidentifikasi dalam butir (a); atau
vii. orang yang diidentifikasi, dalam butir vii. a person identified in (a) (i) has
(a) (i) memiliki pengaruh signifikan significant influence over the entity or is
terhadap entitas atau anggota a member of the key management
manajemen kunci entitas (atau entitas personnel of the entity (or of a parent of
induk dari entitas). the entity).
65
Page 539
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
2. IKHTISAR INFORMASI KEBIJAKAN AKUNTANSI 2. SUMMARY OF MATERIAL ACCOUNTING
MATERIAL (lanjutan) POLICIES INFORMATION (continued)
ag. Pelaporan segmen ag. Segment reporting
Sebuah segmen operasi adalah suatu An operating segment is a component of entity
komponen dari entitas: which:
a. yang terlibat dalam aktivitas bisnis yang a. involves with business activities to
memperoleh pendapatan dan menimbulkan generate income and expenses (include
beban (termasuk pendapatan dan beban income and expenses relating to the
yang terkait dengan transaksi dengan transactions with other components with
komponen lain dari entitas yang sama); the same entity);
b. hasil operasinya dikaji ulang secara reguler b. operations result is observed regularly by
oleh kepala operasional untuk membuat chief decision maker to make decisions
keputusan tentang sumber daya yang regarding the allocation of resources and
dialokasikan pada segmen tersebut dan to evaluate the works; and
menilai kinerjanya; dan
c. tersedia informasi keuangan yang dapat c. separated financial information is
dipisahkan. available.
Bank menyajikan segmen operasi berdasarkan Bank presents operating segments based on
informasi yang disiapkan secara internal untuk the information that internally is provided to the
pengambil keputusan operasional. Berdasarkan chief operating decision maker. Under SFAS 5,
PSAK 5, sebuah segmen usaha adalah a business segment is a bank of assets and
sekelompok aset dan operasi yang operations engaged in providing products or
menyediakan barang atau jasa yang memiliki services that are subject to risks and returns
risiko serta tingkat pengembalian yang berbeda that are difference from those of other business
dengan segmen usaha lainnya. segments.
Segmen operasi Bank disajikan berdasarkan The Bank’s operating segments are presented
bank umum - konvensional dan bank syariah. by commercial banks - conventional and sharia
bank.
Segmen geografis adalah komponen Bank yang A geographical segment is a distinguishable
dapat dibedakan dalam menghasilkan jasa component of the Bank that is engaged in
pada lingkungan (wilayah) ekonomi tertentu dan providing services within a particular economic
komponen itu memiliki risiko dan imbalan yang environment and that is subject to risks and
berbeda dengan risiko dan imbalan pada returns that are different from those operating
komponen yang beroperasi pada lingkungan in other economic environments. The Bank
(wilayah) ekonomi lain. Bank melaporkan report geographical segment information based
segmen geografis berdasarkan daerah on Jadetabek, West Java, Central and East
Jadetabek, Jawa Barat, Jawa Tengah dan Jawa Java and Non Java.
Timur dan Luar Jawa.
3. PENGGUNAAN ESTIMASI DAN PERTIMBANGAN 3. USE OF SIGNIFICANT ACCOUNTING
AKUNTANSI YANG PENTING ESTIMATES AND JUDGEMENTS
Beberapa estimasi dan asumsi dibuat dalam rangka Certain estimates and assumption are made in the
penyusunan laporan keuangan dimana dibutuhkan presentation of the financial statements. These
pertimbangan manajemen dalam menentukan often require management judgement in
metodologi yang tepat untuk penilaian aset dan determining the appropriate methodology for
liabilitas. valuation of assets and liabilities.
66
Page 540
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
3. PENGGUNAAN ESTIMASI DAN PERTIMBANGAN 3. USE OF SIGNIFICANT ACCOUNTING
AKUNTANSI YANG PENTING (lanjutan) ESTIMATES AND JUDGEMENTS (continued)
Manajemen membuat estimasi dan asumsi yang Management makes estimates and assumptions
berimplikasi pada pelaporan nilai aset dan liabilitas that affect the reported amounts of assets and
atas tahun keuangan satu tahun kedepan. Semua liabilities within the next financial year. All estimates
estimasi dan asumsi yang diharuskan oleh PSAK and assumptions required in conformity with SFAS
adalah estimasi terbaik yang didasarkan standar are best estimates undertaken in accordance with
yang berlaku. Estimasi dan pertimbangan dievaluasi the applicable standard. Estimates and judgements
secara terus menerus dan berdasarkan pengalaman are evaluated on a continuous basis, and are based
masa lalu dan faktor-faktor lain termasuk harapan on past experience and other factors, including
atas kejadian yang akan datang. expectations with regard to future events.
Walaupun estimasi dan asumsi ini dibuat Although these estimates and assumption are
berdasarkan pengetahuan terbaik manajemen atas based on management’s best knowledge of current
kejadian dan tindakan saat ini, hasil yang timbul events and activities, actual result may differ from
mungkin berbeda dengan estimasi dan asumsi those estimates and assumption.
semula.
Cadangan kerugian penurunan nilai aset Allowance for impairment losses of financial
keuangan assets
Sesuai dengan PSAK 71, pengukuran cadangan According to SFAS 71, the measurement of the
kerugian penurunan nilai aset keuangan yang diukur expected credit loss allowance for financial assets
pada biaya perolehan diamortisasi dan diukur pada measured at amortised cost and at fair value
nilai wajar melalui penghasilan komprehensif lain through other comprehensive income is an area
membutuhkan penggunaan model yang kompleks that requires the use of complex models and
dan asumsi signifikan terkait future economic significant assumptions about future economic
conditions dan credit behavior. conditions and credit behavior.
Estimasi signifikan dibutuhkan dalam menerapkan Significant estimates are required in applying the
perhitungan cadangan kerugian penurunan nilai SFAS 71 requirements for measuring allowance for
berdasarkan PSAK 71, antara lain: impairment losses, such as:
Penentuan kriteria significant increase in Credit Determining criteria for significant increase in
Risk: Credit Risk;
Menentukan model yang tepat dan asumsi untuk Choosing appropriate models and assumptions
perhitungan cadangan kerugian penurunan nilai; for the measurement of allowance for
impairment losses;
Menentukan jumlah dan pembebanan relatif Establishing the number and relative weightings
atas skenario forward-looking untuk masing- of forward-looking scenarios for each type of
masing segmen/produk; segment/product;
Menentukan segmentasi aset keuangan yang Establishing groups of similar financial assets
sejenis untuk perhitungan cadangan kerugian for the purposes of measuring allowance for
penurunan nilai; impairment losses;
Estimasi arus kas debitur dalam perhitungan Estimate debtor’s cash flow in the calculation of
individual impairment. individual impairment.
Lihat Catatan 2g untuk kebijakan akuntansi atas Refer to Note 2g for accounting policy on
penurunan nilai aset keuangan. impairment of financial assets.
67
Page 541
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
3. PENGGUNAAN ESTIMASI DAN PERTIMBANGAN 3. USE OF SIGNIFICANT ACCOUNTING
AKUNTANSI YANG PENTING (lanjutan) ESTIMATES AND JUDGEMENTS (continued)
Cadangan kerugian penurunan nilai atas aset Allowance for impairment losses on earning
produktif (untuk Entitas Anak berbasis syariah) assets (for Subsidiary with Sharia principle)
Aset produktif terdiri dari giro pada Bank Indonesia Earning assets consist of current accounts with
dan penempatan pada Bank Indonesia dalam bentuk Bank Indonesia, placements with Bank Indonesia in
Fasilitas Simpanan Bank Indonesia Syariah the form of Bank Indonesia Sharia Deposit Facilities
(“FASBIS”), giro pada bank lain, penempatan pada (“FASBIS”), current accounts with other banks,
bank lain, investasi pada efek-efek, pembiayaan placements with other banks, marketable securities,
mudharabah, pembiayaan musyarakah, aset yang mudharabah and musyarakah financing, assets
diperoleh untuk ijarah, serta komitmen dan acquired for ijarah, and commitments and
kontinjensi yang berisiko kredit. contingencies which carry credit risk.
Sesuai dengan Peraturan Bank Indonesia (“PBI”), In accordance with Bank Indonesia Regulations
Bank mengklasifikasikan aset produktif ke dalam (“PBI”), the Bank classifies earning assets into one
satu dari lima kategori dan aset nonproduktif ke of five categories and non-earning assets into one
dalam satu dari empat kategori. Aset produktif tidak of four categories. Performing earning assets
bermasalah (performing) diklasifikasikan sebagai categorised as “Current” and “Special Mention”,
“Lancar” dan “Dalam Perhatian Khusus”, sedangkan while non-performing earning assets are
aset produktif bermasalah (non-performing) categorised into three categories: “Substandard”,
diklasifikasikan kedalam tiga kategori yaitu: “Kurang “Doubtful”, and “Loss”. Non-Earning assets are
Lancar”, “Diragukan” dan “Macet”. Kategori untuk divided into “Current”, “Substandard”, “Doubtful”,
aset non-produktif terdiri dari “Lancar”, “Kurang and “Loss”.
Lancar”, “Diragukan” dan “Macet”.
Penilaian kualitas aset bank umum berdasarkan The assessment of asset quality of commercial
prinsip syariah diatur dalam Peraturan Otoritas Jasa banks under sharia principle is regulated by Otoritas
Keuangan (“POJK”) No.19/POJK.03/2018 tanggal Jasa Keuangan Regulations (“POJK”)
20 September 2018 tentang “Penilaian Kualitas Aset No.19/POJK.03/2018 dated September 20, 2018
Bank Umum Syariah dan Unit Usaha Syariah”. regarding “Assessment of the Quality of Assets of
Sharia Commercial Bank and Sharia Business
Unit”.
Agunan yang diambil alih Foreclosed assets
Agunan yang diambil alih diukur sebesar nilai yang Foreclosed assets are stated at lower amount of
lebih rendah antara nilai tercatat dan nilai bersih carrying amount and net realisable value. Net
yang dapat direalisasi. Nilai bersih yang dapat realisable value is the fair value of the foreclosed
direalisasi adalah nilai wajar agunan yang diambil assets less the estimated costs to sell the assets.
alih dikurangi dengan estimasi biaya untuk menjual The excess of loan receivable over the net
agunan tersebut. Selisih lebih saldo kredit di atas realisable value of the foreclosed assets is charged
nilai bersih yang dapat direalisasi dari agunan yang to allowance for impairment losses on non financial
diambil alih dibebankan ke dalam akun cadangan assets.
kerugian penurunan nilai aset non keuangan.
Kondisi agunan yang diambil alih dievaluasi secara The specific condition of foreclosed assets is
individu berdasarkan estimasi terbaik manajemen individually evaluated based on management’s best
atas nilai kini arus kas yang diharapkan akan estimate of the present value of the expected cash
diterima. Dalam mengestimasi nilai bersih yang flows to be received. In estimating these cash flows,
dapat direalisasi tersebut, manajemen membuat management makes judgements about the net
pertimbangan berdasarkan nilai realisasi bersih dari realisable value of each foreclosed asset based the
setiap agunan berdasarkan hasil penilaian dari result of independent appraisal and estimated time
penilai independen dan estimasi waktu dan arus kas and cash received from selling the foreclosed
yang diterima dari penjualan aset tersebut. Setiap assets. Each impaired assets will be measured
aset yang mengalami penurunan nilai dinilai sesuai based on its merits, and the workout strategy and
dengan kondisi, dan strategi penyelesaian serta estimated cash flows considered recoverable.
estimasi arus kas yang diperkirakan dapat diterima.
68
Page 542
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
3. PENGGUNAAN ESTIMASI DAN PERTIMBANGAN 3. USE OF SIGNIFICANT ACCOUNTING
AKUNTANSI YANG PENTING (lanjutan) ESTIMATES AND JUDGEMENTS (continued)
Imbalan kerja karyawan Employee benefit
Nilai kini atas imbalan kerja karyawan tergantung The present value of the employee benefit
dari banyaknya faktor yang dipertimbangkan oleh obligations depends on a number of factors that are
aktuaris berdasarkan beberapa asumsi. Perubahan determined on an actuarial basis using a number of
atas asumsi-asumsi tersebut akan mempengaruhi assumptions. Any changes in these assumptions
nilai tercatat atas imbalan kerja karyawan. will impact the carrying amount of employee benefit
obligations.
Asumsi yang digunakan dalam menentukan biaya The assumptions used in determining the net cost
atau pendapatan untuk imbalan kerja termasuk (income) for employee benefits include the discount
tingkat diskonto. Bank menentukan tingkat diskonto rate. The Bank determines the appropriate discount
yang tepat pada setiap akhir tahun. Ini merupakan rate at the end of each year. This is the interest rate
tingkat suku bunga yang digunakan untuk that should be used to determine the present value
menentukan nilai kini atas arus kas masa depan of estimated future cash outflows expected to be
yang diestimasi akan digunakan untuk membayar required to settle the pension obligations. In
imbalan kerja. Dalam menentukan tingkat diskonto determining the appropriate discount rate, the Bank
yang tepat, Bank mempertimbangkan tingkat suku considers the interest rates of Government Bonds
bunga atas Obligasi Pemerintah yang mempunyai that have terms to maturity approximating the terms
jatuh tempo yang menyerupai jangka waktu imbalan of the related employee benefit liability.
kerja karyawan.
Asumsi kunci liabilitas pensiun lainnya sebagian Other key assumptions for pension obligations are
ditentukan berdasarkan kondisi pasar saat ini (lihat partly based on current market conditions (refer to
Catatan 24). Note 24).
Penentuan nilai wajar Determining fair values
Dalam menentukan nilai wajar atas aset keuangan The determining of fair value for financial assets
dan liabilitas keuangan dimana tidak terdapat harga and financial liabilities for which there is no
pasar yang dapat diobservasi, Bank harus observable market price requires the Bank must
menggunakan teknik penilaian seperti dijelaskan use of valuation techniques as described in
pada Catatan 2d. Note 2d.
Informasi mengenai penentuan nilai wajar dari Information about the determination of fair value of
instrumen keuangan diungkapkan pada Catatan 46. financial instruments is disclosed in Note 46.
Dalam mengukur nilai wajar atas aset dan liabilitas When measuring the fair value for non-financial
non-keuangan, Bank menggunakan data pasar yang assets and liabilities, the Bank uses observable
dapat diobservasi jika memungkinkan. market data to extent possible.
Perpajakan Taxation
Pertimbangan signifikan dilakukan dalam Significant consideration is made in determining the
menentukan provisi atas pajak penghasilan badan provision of corporate income tax and other taxes.
dan pajak lainnya. Terdapat transaksi dan There are certain transactions and calculations that
perhitungan tertentu yang penentuan pajak akhirnya the final tax determination is uncertain in the normal
adalah tidak pasti dalam kegiatan usaha normal. course of business. The Bank recognised liability
Bank mengakui liabilitas pajak penghasilan badan for corporate income tax and other taxes based on
dan pajak lainnya berdasarkan estimasi apakah akan an estimate whether there would be an additional
terdapat tambahan pajak penghasilan badan dan corporate income tax and other taxes.
pajak lainnya.
69
Page 543
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
3. PENGGUNAAN ESTIMASI DAN PERTIMBANGAN 3. USE OF SIGNIFICANT ACCOUNTING
AKUNTANSI YANG PENTING (lanjutan) ESTIMATES AND JUDGEMENTS (continued)
Aset Pajak Tangguhan Deferred tax assets
Aset pajak tangguhan diakui atas seluruh perbedaan Deferred tax assets are recognised for all
temporer yang dapat dikurangkan, sepanjang besar deductible temporary differences, as long as it is
kemungkinannya bahwa penghasilan kena pajak likely that taxable income will be available so that
akan tersedia sehingga perbedaan temporer tersebut the temporary differences can be utilised.
dapat digunakan. Estimasi signifikan oleh Significant estimates by management are required
manajemen disyaratkan dalam menentukan jumlah in determining the amount of deferred tax assets
aset pajak tangguhan yang dapat diakui, that can be recognised, based on utilisation and the
berdasarkan saat penggunaan dan tingkat level of taxable income and future tax planning
penghasilan kena pajak serta strategi perencanaan strategies.
pajak masa depan.
Menentukan jangka waktu kontrak dengan opsi Determine the contract term with options for
perpanjangan dan penghentian kontrak - Bank extension and termination of the contract - the
sebagai lessee Bank as lessee
Bank menentukan jangka waktu sewa sebagai The Bank determines the lease term as the term of
jangka waktu sewa yang tidak dapat dibatalkan, the lease that cannot be cancelled, together with
bersama dengan periode yang dicakup oleh opsi the period covered by the option to extend the lease
untuk memperpanjang masa sewa jika dipastikan if it is determined to be exercised, or any period
akan dilaksanakan, atau periode apa pun yang covered by the option to terminate the lease, if it is
dicakup oleh opsi untuk menghentikan sewa, jika reasonably reasonable not to do so.
cukup wajar untuk tidak dilakukan.
Bank memiliki beberapa kontrak sewa yang The Bank has several lease contracts that include
mencakup opsi perpanjangan dan penghentian options for extension and termination of the lease
jangka waktu sewa. Bank menerapkan penilaian terms. The Bank applies its judgment in evaluating
dalam mengevaluasi apakah dapat dipastikan jika whether it is certain to exercise the option to extend
akan menggunakan opsi untuk memperpanjang atau or terminate the lease. This is done by considering
menghentikan sewa. Hal tersebut dilakukan dengan all relevant facts and circumstances that provide
mempertimbangkan seluruh fakta dan keadaan yang economic incentives to extend or terminate the
relevan yang memberikan insentif ekonomi untuk lease. After the commencement date, the Bank
melakukan perpanjangan atau penghentian sewa. reassesses the lease term, if there is a significant
Setelah tanggal dimulainya, Bank menilai kembali event or change in circumstances which is under its
masa sewa, jika terdapat peristiwa atau perubahan control and affects whether the lessee is certain
signifikan dalam keadaan yang berada dalam kendali enough to exercise the option to extend or
dan mempengaruhi apakah lessee cukup pasti untuk terminate the lease.
mengeksekusi opsi memperpanjang atau
menghentikan sewa.
4. KAS 4. CASH
31 Desember/December 31,
2023 2022
Kas dalam khasanah Cash in vault
Rupiah 87.502.996 40.512.092 Rupiah
Mata uang asing Foreign currency
Dolar Amerika Serikat 4.394.381 10.922.546 United States Dollar
Dolar Singapura 554.825 107.907 Singapore Dollar
Dolar Australia 171.699 110.013 Australian Dollar
Poundsterling Inggris 26.300 - Great Britain Poundsterling
Euro Eropa 25.302 52.232 European Euro
Dolar Selandia Baru 22.851 8.176 New Zealand Dollar
Franc Swiss 7.869 10.601 Swiss Franc
Dolar Taiwan 7.704 34.569 New Taiwan Dollar
Dolar Hongkong 5.892 29.689 Hongkong Dollar
70
Page 544
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
4. KAS (lanjutan) 4. CASH (continued)
31 Desember/December 31,
2023 2022
Kas dalam khasanah (lanjutan) Cash in vault (continued)
Mata uang asing (lanjutan) Foreign currency (continued)
Yen Jepang 4.682 8.247 Japanese Yen
Yuan Cina 2.341 2.931 Chinese Yuan
Won Korea 1.497 988 Korean Won
Real Saudi 1.437 - Saudi Riyal
Dolar Kanada 581 6.892 Canadian Dollar
Baht Thailand 571 370 Thailand Baht
Ringgit Malaysia 436 371 Malaysian Ringgit
Kas 89.500 89.500 Cash on hand
Jumlah 92.820.864 51.897.124 Total
Kas dalam khasanah diasuransikan terhadap Cash in vault, are insured against losses by all risks
seluruh risiko kepada PT Victoria Insurance (pihak to PT Victoria Insurance (related party) with total
berelasi) dengan nilai pertanggungan seluruhnya insurance coverage as of December 31, 2023 and
pada tanggal 31 Desember 2023 dan 2022 masing- 2022 amounting to Rp125,921,618 and
masing sebesar Rp125.921.618 dan Rp126,781,903, respectively. The Bank’s
Rp126.781.903. Manajemen Bank berpendapat management believe that the insurance coverage is
bahwa nilai pertanggungan tersebut telah memadai adequate to cover possible losses on insured cash
untuk menutup kemungkinan kerugian atas kas in vault.
dalam khasanah yang dipertanggungkan.
5. GIRO PADA BANK INDONESIA 5. CURRENT ACCOUNTS WITH BANK INDONESIA
31 Desember/December 31,
2023 2022
Rupiah 1.469.773.490 1.490.535.993 Rupiah
Dolar Amerika Serikat 23.303.360 16.029.855 United States Dollar
Jumlah 1.493.076.850 1.506.565.848 Total
Rasio GWM Bank yang telah diaudit pada tanggal As of December 31, 2023 and 2022, the audited
31 Desember 2023 dan 2022 adalah sebagai GWM ratios of the Bank are as follows:
berikut:
31 Desember/December 31,
2023 2022
Bank Umum - Konvensional Commercial Bank - Conventional
Rupiah Rupiah
Giro Wajib Minimum*) 7,32% 7,69% Minimum Statutory Reserve*)
Penyangga Likuiditas
Makroprudensial**) 23,73% 22,82% Macroprudential Liquidity Buffer**)
GWM Rasio Intermediasi GWM Macroprudential
Makroprudensial***) (1,01%) (2,49%) Intermediation Ratio***)
Valuta Asing 4,05% 4,05% Foreign Currencies
*) Sebelumnya Giro Wajib Minimum Primer Previously Primary Minimum Statutory Reserve *)
**) Sebelumnya Giro Wajib Minimum Sekunder Previously Secondary Minimum Statutory Reserve **)
***) Sebelumnya Giro Wajib Minimum LFR Previously Loan to Funding Ratio Minimum Statutory Reserve ***)
71
Page 545
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
5. GIRO PADA BANK INDONESIA (lanjutan) 5. CURRENT ACCOUNTS WITH BANK INDONESIA
(continued)
Saldo giro pada Bank Indonesia adalah untuk Current accounts with Bank Indonesia are provided
memenuhi persyaratan Giro Wajib Minimum (GWM) to fulfill Bank Indonesia’s requirements on Minimum
dari Bank Indonesia. Reserve Requirements (GWM).
Berdasarkan Peraturan Bank Indonesia (PBI) In accordance with Bank Indonesia Regulation
No. 20/3/PBI/2018 tanggal 29 Maret 2018 (PBI) No. 20/3/PBI/2018 dated March 29, 2018 as
sebagaimana telah beberapa kali diubah, terakhir amended several times, most recently with PBI
dengan PBI No. 24/4/PBI/2022 tanggal 1 Maret No. 24/4/PBI/2022 dated March 1, 2022 concerning
2022 tentang Perubahan Keempat atas Peraturan the Fourth Amendment to Bank Indonesia
Bank Indonesia No. 20/3/PBI/2018 tentang Giro Regulation No. 20/3/PBI/2018 concerning Statutory
Wajib Minimum dalam Rupiah dan Valuta Asing bagi Reserves in Rupiah and Foreign Currency for
Bank Umum Konvensional, Bank Umum Syariah, Conventional Commercial Banks, Sharia
dan Unit Usaha Syariah; Peraturan Anggota Dewan Commercial Banks and Sharia Business Units; and
Gubernur (PADG) No. 20/10/PADG/2018 tanggal Regulation of Members of the Board of Governors
31 Mei 2018, sebagaimana telah diubah beberapa (PADG) No. 20/10/PADG/2018 dated May 31,
kali, terakhir dengan PADG No. 24/3/PADG/2022 2018, as amended several times, most recently
tanggal 1 Maret 2022 tentang Perubahan Kedelapan with PADG No. 24/3/PADG/2022 dated March 1,
atas Peraturan Anggota Gubernur 2022 concerning the Eighth Amendment to the
No. 20/10/PADG/2018 tentang Giro Wajib Minimum Regulation of Members of the Governor
dalam Rupiah dan Valuta Asing bagi Bank Umum No. 20/10/PADG/2018 concerning Statutory
Konvensional, Bank Umum Syariah, dan Unit Usaha Reserves in Rupiah and Foreign Exchange for
Syariah; dan Peraturan Anggota Dewan Gubernur Conventional Commercial Banks, Sharia
(PADG) No. 24/8/PADG/2022 tanggal 1 Juli 2022, Commercial Banks and Sharia Business Units,
sebagaimana telah diubah beberapa kali, terakhir Regulation of Members of the Board of Governors
dengan PADG No. 12 Tahun 2023 tanggal (PADG) No. 24/8/PADG/2022 dated July 1, 2022,
1 Oktober 2023 tentang Perubahan Kedua atas as amended several times, most recently with
Peraturan Anggota Dewan Gubernur Nomor PADG No. 12 year 2023 dated October 1, 2023
24/8/PADG/2022 tentang Peraturan Pelaksanaan concerning the Second Amendment to the
Pemenuhan Giro Wajib Minimum Dalam Rupiah dan Regulation of Members of the Board of Governors
Valuta Asing Bagi Bank Umum Konvensional, Bank PADG No. 24/8/PADG/2022 concerning the
Umum Syariah, dan Unit Usaha Syariah. Bank wajib Implementation Regulations for Fulfillment of
memenuhi rasio Giro Wajib Minimum (GWM) seperti Statutory Reserves in Rupiah and Foreign
yang disyaratkan Bank Indonesia dalam Rupiah dan Exchange for Conventional Commercial Banks,
valuta asing secara harian dan rata-rata dari rata- Sharia Commercial Banks, and Sharia Business
rata Dana Pihak Ketiga (DPK) dalam Rupiah dan Units. Banks are required to meet the Statutory
valuta asing selama periode laporan tertentu. Reserves (GWM) ratio as required by Bank
Indonesia in Rupiah and foreign currencies on a
daily basis and the average of the average Third
Party Funds (DPK) in Rupiah and foreign
currencies during a specific reporting period.
Pada tanggal 31 Desember 2023 dan 2022, rasio As of December 31, 2023 and 2022, the average
GWM rata-rata dalam Rupiah yang wajib dipenuhi GWM ratio in Rupiah that must be fulfilled is at 9%,
adalah sebesar 9%, dan rasio GWM rata-rata dalam and the average GWM ratio in foreign currencies
valuta asing yang wajib dipenuhi sebesar 4%. that must be fulfilled is at 4%.
Berdasarkan surat dari Bank Indonesia (BI) Based on letter from Bank Indonesia (BI)
No. 25/321/DKMP/Srt/B tanggal 5 Desember 2023, No. 25/321/DKMP/Srt/B dated December 5, 2023,
Bank memperoleh Insentif Kebijakan Likuiditas the Bank received a Macroprudential Liquidity
Makroprudensial (KLM) sebesar 1,8% berlaku dari Policy Incentive of 1.8% valid from December 1,
1 Desember 2023 sampai dengan 29 Februari 2024 2023 until February 29, 2024 therefore GWM ratio
sehingga GWM rata-rata dalam Rupiah yang wajib in Rupiah that must be fulfilled by the Bank is at
dipenuhi oleh Bank adalah 7,2%. 7.2%.
72
Page 546
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
5. GIRO PADA BANK INDONESIA (lanjutan) 5. CURRENT ACCOUNTS WITH BANK INDONESIA
(continued)
Disamping itu, berdasarkan PBI No. 20/4/PBI/2018 Furthermore, based on PBI No. 20/4/PBI/2018
tanggal 29 Maret 2018 sebagaimana telah beberapa dated March 29, 2018 as amended several times,
kali diubah, terakhir dengan PBI No.24/16/PBI/2022 most recently with PBI No.24/16/PBI/2022 dated
tanggal 1 November 2022 tentang Perubahan November 1, 2022 concerning the Fourth
Keempat atas Peraturan Bank Indonesia Amendment to Bank Indonesia Regulation
No. 20/4/PBI/2018 tentang Rasio Intermediasi No. 20/4/PBI/2018 concerning Ratio
Makroprudensial dan Penyangga Likuiditas Macroprudential Intermediation and
Makroprudential bagi Bank Umum Konvensional, Macroprudential Liquidity Support for Conventional
Bank Umum Syariah, dan Unit Usaha Syariah dan Commercial Banks, Sharia Commercial Banks, and
PADG No.21/22/PADG/2019 tanggal 28 November Sharia Business Units; and PADG
2019 sebagaimana telah mengalami beberapa No.21/22/PADG/2019 dated November 28, 2019 as
kali perubahan, terakhir dengan PADG No. 18 amended several times, most recently with PADG
Tahun 2023 tanggal 29 November 2023 tentang No. 18 year 2023 dated November 29, 2023
Perubahan Ketujuh atas Peraturan Anggota Dewan concerning the Seventh Amendment to the
Gubernur No. 21/22/PADG/2019 tentang Rasio Regulation of Members of the Board of Governors
Intermediasi Makroprudential dan Penyangga No. 21/22/PADG/2019 concerning Macroprudential
Likuiditas Makroprudential bagi Bank Umum Intermediation Ratio and Macroprudential Liquidity
Konvensional, Bank Umum Syariah, dan Unit Usaha Buffer for Conventional Commercial Banks, Sharia
Syariah, Bank wajib memenuhi Rasio Intermediasi Commercial Banks, and Sharia Business Units,
Makroprudential (RIM) dan Penyangga Likuiditas Banks must meet the Macroprudential
Makroprudential (PLM) dari rata-rata DPK dalam Intermediation Ratio (RIM) and Macroprudential
Rupiah selama periode laporan tertentu. Liquidity Buffer (PLM) of the average TPF in
Rupiah during specific reporting periods.
Pada tanggal 31 Desember 2023 dan 2022, rasio As of December 31, 2023 and 2022, the minimum
PLM yang wajib dipenuhi minimal masing-masing of PLM ratio that must be fulfilled is set at 5% and
sebesar 5% dan 6%. 6%, respectively.
Giro RIM adalah tambahan simpanan minimum RIM demand deposits is the additional reserve that
yang wajib dipelihara oleh Bank dalam bentuk saldo should be maintained by the Bank in the form of
rekening giro pada Bank Indonesia. Parameter yang current accounts with Bank Indonesia. The
digunakan dalam pemenuhan giro RIM adalah parameters used in the fulfillment of MIR are as
sebagai berikut: follow:
1. Batas bawah target RIM sebesar 84% 1. Minimum target of RIM is 84%
2. Batas atas target RIM sebesar 94% 2. Maximum target of RIM is 94%
3. KPMM Insentif sebesar 14% 3. Incentive of CAR is 14%
Bank memiliki RIM dibawah batas bawah target Bank have RIM below the lower RIM target limit,
RIM, NPL kurang dari 5 (Catatan 11), dan KPMM NPL of less than 5 (Note 11), and have CAR above
diatas 19% sehingga Bank wajib memelihara Giro 19% therefore the Bank is required to maintain RIM
RIM menggunakan parameter disinsentif yang demand deposits using the applicable disincentive
berlaku. Pada tanggal 31 Desember 2023 dan parameters. As of December 31, 2023 and 2022,
2022, Giro RIM yang dimiliki Bank telah memenuhi the RIM Current Account owned by the Bank
ketentuan Bank Indonesia. complied with the applicable Bank Indonesia
regulations.
Bank telah memenuhi peraturan Bank Indonesia The Bank has fulfilled the prevailing Bank
yang berlaku tentang Giro Wajib Minimum bank Indonesia’s regulation regarding Minimum Reserve
umum konvensional pada tanggal 31 Desember Requirements for conventional banks as of
2023 dan 2022. December 31, 2023 and 2022.
73
Page 547
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
6. GIRO PADA BANK LAIN 6. CURRENT ACCOUNTS WITH OTHER BANKS
a. Berdasarkan bank a. By bank
31 Desember/December 31,
2023 2022
Rupiah Rupiah
PT Bank Central Asia Tbk 57.345.205 31.369.908 PT Bank Central Asia Tbk
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 20.963.477 18.116.185 (Persero) Tbk
PT Bank Mandiri (Persero) Tbk 10.101.400 10.100.200 PT Bank Mandiri (Persero) Tbk
PT Bank Permata Tbk 174.099 230.617 PT Bank Permata Tbk
PT Bank HSBC Indonesia 57.491 - PT Bank HSBC Indonesia
PT Bank Maybank Indonesia Tbk 31.338 1.860.483 PT Bank Maybank Indonesia Tbk
PT Bank Pan Indonesia Tbk 8.318 9.763 PT Bank Pan Indonesia Tbk
PT Bank CIMB Niaga Tbk 3.769 248.783 PT Bank CIMB Niaga Tbk
PT Bank Mega Tbk - 622.877 PT Bank Mega Tbk
PT Bank DBS Indonesia - 455.792 PT Bank DBS Indonesia
PT Bank Victoria Syariah - 915 PT Bank Victoria Syariah
Sub jumlah 88.685.097 63.015.523 Sub total
Mata Uang Asing Foreign Currency
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 164.890.420 106.390.516 (Persero) Tbk
PT Bank Mandiri (Persero) Tbk 36.106.642 28.621.665 PT Bank Mandiri (Persero) Tbk
PT Bank Central Asia Tbk 4.651.092 22.602.699 PT Bank Central Asia Tbk
PT Bank CIMB Niaga Tbk 1.059.270 2.599.773 PT Bank CIMB Niaga Tbk
PT Bank ICBC 577.714 - PT Bank ICBC
OCBC Bank, Singapura 328.684 5.154.251 OCBC Bank, Singapore
Sub jumlah 207.613.822 165.368.904 Sub total
Jumlah 296.298.919 228.384.427 Total
Dikurangi: Cadangan Kerugian
Penurunan Nilai (1.726) - Less: Allowance for impairment losses
Jumlah - bersih 296.297.193 228.384.427 Total - net
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, there are
tidak terdapat giro pada bank lain yang no current accounts with other banks pledged
dijaminkan. as collateral.
b. Berdasarkan mata uang b. By currency
31 Desember/December 31,
2023 2022
Rupiah 88.685.097 63.015.523 Rupiah
Dolar Amerika Serikat 202.908.447 154.903.119 United States Dollar
Yen Jepang 2.673.710 2.672.405 Japanese Yen
Euro Eropa 1.059.270 2.599.773 European Euro
China Yuan 643.711 39.356 Chinese Yuan
Dolar Singapura 328.684 5.154.251 Singapore Dollar
Jumlah 296.298.919 228.384.427 Total
Dikurangi: Cadangan Kerugian
Penurunan Nilai (1.726) - Less: Allowance for impairment losses
Jumlah - bersih 296.297.193 228.384.427 Total - net
74
Page 548
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
6. GIRO PADA BANK LAIN (lanjutan) 6. CURRENT ACCOUNTS WITH OTHER BANKS
(continued)
c. Berdasarkan kolektibilitas sesuai Peraturan c. By collectibility according to Bank Indonesia
Bank Indonesia Regulation
Pada tanggal 31 Desember 2023 dan 2022, All current accounts with other banks are
semua giro pada bank lain diklasifikasikan classified as current as of December 31, 2023
lancar. and 2022.
d. Cadangan kerugian penurunan nilai d. Allowance for impairment losses
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, all current
seluruh giro pada bank lain berada di stage 1. accounts with other banks are classified in
Bank telah membentuk cadangan kerugian stage 1. Bank has set aside allowance for
penurunan nilai masing-masing sebesar impairment losses amounted to Rp1,726 and
Rp1.726 dan RpNihil. RpNil, respectively.
Manajemen berpendapat bahwa jumlah Management believes that the above allowance
cadangan kerugian penurunan nilai di atas telah for impairment losses is adequate.
memadai.
7. PENEMPATAN PADA BANK INDONESIA DAN 7. PLACEMENTS WITH BANK INDONESIA AND
BANK LAIN OTHER BANKS
a. Berdasarkan jenis, pihak dan bank a. By type, counterparties and bank
31 Desember/December 31,
2023 2022
Pihak ketiga Third party
Fasilitas Simpanan Fasilitas Simpanan
Bank Indonesia (FASBI) 359.947.530 829.890.530 Bank Indonesia (FASBI)
Deposito Berjangka Time Deposit
PT Bank Mega Tbk 2.600.000 - PT Bank Mega Tbk
PT Bank Victoria Syariah 1.800.000 - PT Bank Victoria Syariah
PT Bank Nationalnobu Tbk 1.320.000 - PT Bank Nationalnobu Tbk
PT Bank BJB Tbk 700.000 3.450.000 PT Bank BJB Tbk
PT Bank Tabungan Negara PT Bank Tabungan Negara
(Persero) Tbk - 3.000.000 (Persero) Tbk
PT Bank Panin Dubai Syariah Tbk - 1.000.000 PT Bank Panin Dubai Syariah Tbk
PT Bank BJB Syariah - 1.000.000 PT Bank BJB Syariah
366.367.530 838.340.530
Interbank Call Money Interbank Call Money
Rupiah Rupiah
PT Bank Capital Indonesia Tbk 250.000.000 - PT Bank Capital Indonesia Tbk
PT Bank Victoria Syariah 150.000.000 20.000.000 PT Bank Victoria Syariah
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Papua 100.000.000 - Papua
PT Bank Nationalnobu Tbk 50.000.000 - PT Bank Nationalnobu Tbk
550.000.000 20.000.000
Jumlah 916.367.530 858.340.530 Total
Dikurangi: Cadangan Kerugian
Penurunan Nilai (998.782) (13.015) Less: Allowance for impairment losses
Jumlah - bersih 915.368.748 858.327.515 Total - net
75
Page 549
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
7. PENEMPATAN PADA BANK INDONESIA DAN 7. PLACEMENTS WITH BANK INDONESIA AND
BANK LAIN (lanjutan) OTHER BANKS (continued)
a. Berdasarkan jenis, pihak dan bank (lanjutan) a. By type, counterparties and bank
(continued)
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, there are
tidak terdapat penempatan Bank Indonesia dan no placements Bank Indonesia and with other
pada bank lain yang dijaminkan. banks pledged as collateral.
b. Berdasarkan tenor jatuh tempo b. By period maturity
31 Desember/December 31,
2023 2022
Kurang dari 1 bulan 916.367.530 858.340.530 Less than 1 month
1 sampai 3 bulan - - 1 up to 3 months
3 sampai 6 bulan - - 3 up to 6 months
Lebih dari 6 bulan - - More than 6 months
Jumlah 916.367.530 858.340.530 Total
Dikurangi: Cadangan Kerugian Less: Allowance for
Penurunan Nilai (998.782) (13.015) impairment losses
Jumlah - bersih 915.368.748 858.327.515 Total - net
c. Berdasarkan mata uang c. By currency
31 Desember/December 31,
2023 2022
Rupiah 916.367.530 858.340.530 Rupiah
Dolar Amerika Serikat - - United States Dollar
Jumlah 916.367.530 858.340.530 Total
Dikurangi: Cadangan Kerugian Less: Allowance for
Penurunan Nilai (998.782) (13.015) impairment losses
Jumlah - bersih 915.368.748 858.327.515 Total - net
d. Berdasarkan kolektibilitas sesuai Peraturan d. By collectability according to Bank
Bank Indonesia Indonesia Regulation
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, all
seluruh penempatan pada Bank Indonesia dan placements with Bank Indonesia and other
bank lain digolongkan sebagai lancar. banks are classified as current.
76
Page 550
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
7. PENEMPATAN PADA BANK INDONESIA DAN 7. PLACEMENTS WITH BANK INDONESIA AND
BANK LAIN (lanjutan) OTHER BANKS (continued)
e. Cadangan kerugian penurunan nilai e. Allowance for impairment losses
Pada tanggal 31 Desember 2023 dan 2022 As of December 31, 2023 and 2022, all
seluruh penempatan pada Bank Indonesia dan placements in Bank Indonesia and other banks
bank lain berada di stage 1. Bank telah are classified in stage 1. Bank has set aside
membentuk cadangan kerugian penurunan nilai allowance for impairment losses amounted to
masing-masing sebesar Rp998.782 dan Rp998,782 and Rp13,015, respectively.
Rp13.015.
Manajemen berpendapat bahwa jumlah Management believes that the above allowance
cadangan kerugian penurunan nilai di atas telah for impairment losses is adequate.
memadai.
8. EFEK-EFEK 8. MARKETABLE SECURITIES
a. Berdasarkan jenis a. By type
31 Desember/December 31,
2023 2022
Rupiah Rupiah
Nilai wajar melalui laba rugi Fair value through profit or loss
Reksadana 790.570.315 400.037.154 Mutual funds
Wesel jangka menengah 221.960.000 172.625.000 Medium-term notes
Sub jumlah 1.012.530.315 572.662.154 Sub total
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain comprehensive income
Surat Utang Negara 757.213.466 1.095.239.462 Government Promissory Notes
Surat Berharga Syariah Negara 308.245.034 387.126.664 Government Sharia Bonds
Reksadana 306.932.232 - Mutual funds
Surat Berharga Syariah Korporasi 20.283.400 - Corporate Sharia Bonds
Obligasi korporasi 12.081.667 83.372.315 Corporate bonds
Efek Beragun Aset 8.508.012 - Asset-backed security
Wesel jangka menengah - 20.547.800 Medium-term notes
Sub jumlah 1.413.263.811 1.586.286.241 Sub total
Biaya perolehan diamortisasi Amortised cost
Surat Utang Negara 3.547.973.017 2.476.659.061 Government Promissory Notes
Obligasi korporasi 213.394.630 12.500.000 Corporate bonds
Reksadana 73.000.000 - Mutual funds
Wesel Jangka Menengah 15.000.000 15.000.000 Medium-term notes
Sekuritas Rupiah Bank Bank Indonesia Rupiah
Indonesia (SRBI) 9.389.041 - Securities (SRBI)
Surat Berharga Syariah Negara 1.012.922 155.445.941 Government Sharia Bonds
Sub jumlah 3.859.769.610 2.659.605.002 Sub total
Jumlah 6.285.563.736 4.818.553.397 Total
Dikurangi: Less:
Cadangan kerugian penurunan nilai (8.271.969) (8.862.949) Allowance for impairment losses
Jumlah - bersih 6.277.291.767 4.809.690.448 Total - net
77
Page 551
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
a. Berdasarkan jenis (lanjutan) a. By type (continued)
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, there are
tidak terdapat efek-efek yang dijaminkan. no marketable securities pledged as collateral.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022
terdapat surat utang negara dalam transaksi government bonds under transaction securities
efek-efek yang dijual dengan janji untuk dibeli sold under repurchase agreement with nominal
kembali dengan nilai nominal sebesar amount of Rp643,266,730 and Rp240,865,160
Rp643.266.730 dan Rp240.865.160 (Catatan (Notes 20).
20).
b. Obligasi korporasi b. Corporate bonds
i. Nilai wajar melalui penghasilan i. Fair value through other comprehensive
komprehensif lain income
31 Desember/December 31, 2023
Tingkat suku
bunga/ Tanggal jatuh
Pihak penerbit/ Obligasi/ Jumlah/ Interest rate tempo/ Peringkat/
Issuers Bonds Amount (%) Maturity date Rating
PT Astra Sedaya Finance Obligasi Berkelanjutan IV/III 2019 C 10.080.856 7,95 23-Oct-24 idAAA
PT Aneka Gas Industri Tbk Obligasi Berkelanjutan II Tahap IV
2021 A 2.000.811 8,10 22-Dec-24 A(idn)
Jumlah/ Total 12.081.667
31 Desember/December 31, 2022
Tingkat
suku bunga/ Tanggal jatuh
Pihak penerbit/ Obligasi/ Jumlah/ Interest rate tempo/ Peringkat/
Issuers Bonds Amount (%) Maturity date Rating
PT Aneka Gas Industri Tbk Obligasi Berkelanjutan II/III 2021 C 1.992.434 8,10 22-Dec-24 A(idn)
PT Astra Sedaya Finance ASDF Berkel IV/IV 2020 B 10.043.076 7,00 27-Mar-23 idAAA
PT Astra Sedaya Finance ASDF Berkl IV/III 2019 C 10.286.281 7,95 23-Oct-24 idAAA
PT Bank Tabungan Negara
(Persero) Tbk BTN Berkl I/II Th 2013 19.095.135 7,90 27-Mar-23 AA(idn)
PT Mayora Indah Tbk Mayora Indah I/III 2018 15.107.999 8,15 24-Apr-23 idAA
PT Sarana Multigriya Finansial
(Persero) EBA-SP SMF-BTN03 KELAS A SERI A2 5.105.630 8,40 07-Jul-29 idAAA(sf)
PT Sarana Multigriya Finansial
(Persero) EBA-SP SMF-BTN05 KELAS A SERI A1 16.005.956 8,50 07-May-32 idAAA(sf)
PT Sarana Multigriya Finansial
(Persero) EBA-SP SMF-BTN05 KELAS A SERI A2 697.998 8,75 07-May-32 idAAA(sf)
PT Serasi Autoraya OBL Berkelanjutan I Serasi Autoraya THP I
2019 C 5.037.806 8,35 27-Apr-23 AA-(idn)
Jumlah/Total 83.372.315
78
Page 552
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
b. Obligasi korporasi (lanjutan) b. Corporate bonds (continued)
ii. Biaya perolehan diamortisasi ii. Amortised cost
31 Desember/December 31, 2023
Tingkat
suku bunga/ Tanggal jatuh
Pihak penerbit/ Obligasi/ Jumlah/ Interest rate tempo/ Peringkat/
Issuers Bonds Amount (%) Maturity date Rating
Lembaga Pembiayaan Ekspor Indonesia Obligasi Berkelanjutan III Tahap V 20.251.743 8,25 15-Agu-24 idAAA
Tahun 2017 Seri C
Lembaga Pembiayaan Ekspor Indonesia Obligasi Berkelanjutan IV Tahap IV 10.082.916 8,90 23-Apr-24 idAAA
Tahun 2019 Seri C
PT Barito Pacific Tbk Obligasi Berkelanjutan III Tahap I 15.000.000 9,25 08-Feb-28 idA+
Tahun 2023 Seri B
PT Permodalan Nasional Madani Obligasi Berkelanjutan III Tahap II 20.395.649 8,75 28-Nov-24 idAA+
(Persero) Tahun 2019 Seri B
PT Global Mediacom Tbk Obligasi Berkelanjutan IV Tahap I 16.955.601 10,25 06-Jul-26 idA+
Tahun 2023 Seri B
PT Sarana Multigriya Financial Tbk Obligasi Berkelanjutan V Tahap IV 10.208.721 8,10 14-Jul-25 idAAA
(Persero) Tahun 2020 Seri B
PT Sinar Mas Multifinance Obligasi Berkelanjutan III Tahap I 50.000.000 10,25 07-Feb-26 irA+
Tahun 2023 Seri B
PT Sinar Mas Multifinance Obligasi Berkelanjutan III TAHAP I 50.000.000 10,75 07-Feb-28 irA+
Tahun 2023 Seri C
PT Sejahteraraya Anugrahjaya Tbk Obligasi I Tahun 2022 Seri A 12.500.000 9,75 07-Okt-25 idA
PT TBS Energi Utama Tbk Obligasi I Tahun 2023 Seri B 8.000.000 10,00 03-Mar-28 idA
Jumlah/Total 213.394.630
31 Desember/December 31, 2022
Tingkat
suku bunga/ Tanggal jatuh
Pihak penerbit/ Obligasi/ Jumlah/ Interest rate tempo/ Peringkat/
Issuers Bonds Amount (%) Maturity date Rating
PT Sejahteraraya Anugrahjaya Tbk OBLIGASI I SEJAHTERARAYA
ANUGRAHJAYA TAHUN 2022
SERI A 12.500.000 9,75 7-Oct-25 idA
Jumlah/Total 12.500.000
c. Berdasarkan sisa umur jatuh tempo c. By remaining period to maturity
31 Desember/December 31,
2023 2022
Diukur pada biaya
perolehan diamortisasi Measured at amortised cost
Kurang dari 1 tahun 731.735.232 428.488.131 Less than 1 year
1 sampai dengan 2 tahun 472.679.239 246.992.450 1 up to 2 years
2 sampai dengan 5 tahun 305.304.379 187.323.870 2 up to 5 years
Lebih dari 5 tahun 2.350.050.760 1.796.800.551 More than 5 years
Jumlah 3.859.769.610 2.659.605.002 Total
79
Page 553
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
d. Berdasarkan kolektibilitas sesuai Peraturan d. By collectability as per Bank Indonesia
Bank Indonesia
31 Desember/December 31,
2023 2022
Nilai tercatat/ Cadangan/ Nilai tercatat/ Cadangan/
Carrying Value Allowance Carrying Value Allowance
Lancar 6.285.563.736 (8.271.969) 4.818.553.397 (8.862.949) Current
Kurang lancar - - - - Substandard
Macet - - - - Loss
Jumlah 6.285.563.736 (8.271.969) 4.818.553.397 (8.862.949) Total
e. Perubahan cadangan kerugian penurunan e. The changes in allowance for impairment
nilai losses
Perubahan cadangan kerugian penurunan nilai The changes in allowance for impairment losses
efek-efek untuk tahun yang berakhir on marketable securities for the year ended
31 Desember 2023 dan 2022 adalah sebagai December 31, 2023 and 2022 are as follows:
berikut:
31 Desember/December 31, 2023
Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal tahun 8.862.949 - - 8.862.949 Balance beginning of year
Transfer ke kerugian kredit Transfer to 12 month
ekspektasian 12 bulan expected credit
(Stage 1) - - - - losses (Stage 1)
Transfer ke kerugian kredit Transfer to
ekspektasian sepanjang lifetime expected credit
umurnya (Stage 2) - - - - losses (Stage 2)
Transfer ke kredit
yang mengalami Transfer to credit
penurunan nilai (Stage 3) - - - - impaired (Stage 3)
Perubahan bersih pada
eksposur (590.980) - - (590.980) Net change in exposure
Penghapusbukuan - - - - Write off
Saldo akhir tahun 8.271.969 - - 8.271.969 Balance end of year
31 Desember/December 31, 2022
Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Saldo awal tahun 11.108.843 - - - 11.108.843 Balance beginning of year
Transfer ke kerugian kredit Transfer to 12 month
ekspektasian 12 bulan expected credit
(Stage 1) - - - - - losses (Stage 1)
Transfer ke kerugian kredit Transfer to
ekspektasian sepanjang lifetime expected credit
umurnya (Stage 2) - - - - - losses (Stage 2)
Transfer ke kredit
yang mengalami Transfer to credit
penurunan nilai (Stage 3) - - - - - impaired (Stage 3)
Perubahan bersih pada
eksposur (2.245.894) - - - (2.245.894) Net change in exposure
Penghapusbukuan - - - - - Write off
Saldo akhir tahun 8.862.949 - - - 8.862.949 Balance end of year
80
Page 554
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
e. Perubahan cadangan kerugian penurunan e. The changes in allowance for impairment
nilai (lanjutan) losses (continued)
Manajemen berpendapat bahwa jumlah Management believes that the above allowance
cadangan kerugian penurunan nilai di atas telah for impairment losses is adequate.
memadai.
9. EFEK-EFEK YANG DIBELI DENGAN JANJI 9. SECURITIES PURCHASED UNDER RESALE
DIJUAL KEMBALI AGREEMENTS
Efek-efek yang dibeli dengan janji dijual kembali pada The securities purchased under resale agreements
tanggal 31 Desember 2023 dan 2022 adalah sebagai as of December 31, 2023 and 2022 are as follows:
berikut:
31 Desember/December 31, 2023
Tanggal
Jenis efek/ Nilai wajar/ Tingkat suku dimulai/ Tanggal jatuh Nilai tercatat/
Pihak lawan/ Type of Fair value bunga/ Commencement tempo/ Carrying
Counterparty Securities amount Interest rate date Maturity date amount
22 Desember/ 5 Januari/
Bank Mega FR0080 123.206.041 6,35% December 2023 January 2024 123.385.291
22 Desember / 5 Januari /
Bank Mega FR0080 123.206.041 6,35% December 2023 January 2024 123.385.291
22 Desember / 5 Januari/
Bank Mega FR0080 123.206.041 6,35% December 2023 January 2024 123.385.291
22 Desember / 5 Januari/
Bank Mega FR0080 123.206.041 6,35% December 2023 January 2024 123.385.291
28 Desember / 4 Januari /
Ina Perdana FR0101 47.035.463 6,25% December 2023 January 2024 47.730.463
28 Desember/ 4 Januari/
Ina Perdana FR0101 94.070.927 6,25% December 2023 January 2024 95.460.927
Jumlah/ Total 633.930.554 636.732.554
31 Desember/December 31, 2022
Tanggal
Jenis efek/ Nilai wajar/ Tingkat suku dimulai/ Tanggal jatuh Nilai tercatat/
Pihak lawan/ Type of Fair value bunga/ Commencement tempo/ Carrying
Counterparty Securities amount Interest rate date Maturity date amount
29 Desember/ 5 Januari/
Bank Indonesia VR0046 119.045.000 5,50% December 2022 January 2023 120.051.750
29 Desember / 5 Januari /
Bank Indonesia VR0046 119.045.000 5,50% December 2022 January 2023 120.051.750
30 Desember / 6 Januari/
Bank Indonesia VR0035 118.276.625 5,50% December 2022 January 2023 119.567.375
30 Desember / 6 Januari/
Bank Indonesia VR0035 118.276.625 5,50% December 2022 January 2023 119.567.375
30 Desember / 6 Januari /
Bank Indonesia VR0035 118.276.625 5,50% December 2022 January 2023 119.567.375
26 Desember / 2 Januari/
Ina Perdana FR0075 119.251.625 5,80% December 2022 January 2023 120.313.375
26 Desember/ 2 Januari/
Ina Perdana FR0075 119.251.625 5,80% December 2022 January 2023 120.313.375
Jumlah/ Total 831.423.125 839.432.375
Pada tanggal 31 Desember 2023 dan 2022, seluruh As of December 31, 2023 and 2022, all securities
efek yang dibeli dengan janji dijual kembali purchased under resale agreements were classified
digolongkan sebagai lancar dan berada di stage 1. as current and are in stage 1.
Manajemen berpendapat tidak diperlukan cadangan Management believes that no allowance for
kerugian penurunan nilai pada tanggal impairment losses is required as of
31 Desember 2023 dan 2022. December 31, 2023 and 2022.
81
Page 555
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
10. PENDAPATAN BUNGA DAN SYARIAH YANG 10. INTEREST AND SHARIA INCOME RECEIVABLES
MASIH AKAN DITERIMA
31 Desember/December 31,
2023 2022
Pinjaman yang diberikan, Loans, sharia financing and
pembiayaan dan piutang syariah 316.474.550 352.458.256 receivables
Efek-efek 68.397.055 63.314.972 Marketable securities
Surat-surat berharga yang dibeli Securities purchased under
dengan janji dijual kembali 969.990 452.257 resale agreements
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 325.556 5.667 and other banks
Jumlah 386.167.151 416.231.152 Total
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (17.759.228) (24.551.373) impairment loss
Jumlah - bersih 368.407.923 391.679.779 Total - net
Mutasi cadangan kerugian penurunan nilai untuk The changes in allowance for impairment losses of
pendapatan bunga dan syariah yang masih akan interest and sharia income receivables are as
diterima adalah sebagai berikut: follows:
31 Desember/December 31,
2023 2022
Saldo awal 24.551.373 21.829.912 Beginning balance
Penambahan selama Addition during
tahun berjalan (Catatan 32) (3.814.474) 45.266.724 the year (Note 32)
Penghapusbukuan (2.977.671) (42.545.263) Write-off
Saldo akhir 17.759.228 24.551.373 Ending balance
Manajemen berpendapat bahwa cadangan kerugian Management believes that the allowance for
penurunan nilai yang telah dibentuk cukup untuk impairment losses is adequate to cover possible
menutup kemungkinan kerugian atas pendapatan losses from interest and sharia income receivables.
bunga dan syariah yang masih akan diterima.
Semua pinjaman yang diberikan, pembiayaan dan All loans, sharia financing and receivables granted
piutang syariah kepada debitur menggunakan mata by the Bank to the debtors denominated in Rupiah.
uang Rupiah.
11. PINJAMAN YANG DIBERIKAN, PEMBIAYAAN 11. LOANS, SHARIA FINANCING AND
DAN PIUTANG SYARIAH RECEIVABLES
a. Berdasarkan pihak dan jenis kredit a. By counterparties and loan type
31 Desember/December 31,
2023 2022
Pinjaman yang diberikan 18.628.743.177 15.824.611.091 Loans
Dikurangi: Cadangan kerugian Less: Allowance for impairment
penurunan nilai (574.872.202) (538.118.251) of loan losses
Jumlah 18.053.870.975 15.286.492.840 Total
82
Page 556
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
11. PINJAMAN YANG DIBERIKAN, PEMBIAYAAN 11. LOANS, SHARIA FINANCING AND
DAN PIUTANG SYARIAH (lanjutan) RECEIVABLES (continued)
a. Berdasarkan pihak dan jenis kredit (lanjutan) a. By counterparties and loan type (continued)
31 Desember/December 31,
2023 2022
Pihak Berelasi Related Parties
Pinjaman tetap 14.093.005 15.767.732 Fixed loans
Pinjaman rekening koran 33.612.870 50.298.491 Overdraft loans
Pinjaman tetap dengan angsuran 93.067.628 2.590.000 Fixed loans with installments
Pinjaman serba guna 1.904.420 2.785.543 Other loans
Pinjaman konsumen 1.218.518 1.823.917 Consumer loans
143.896.441 73.265.683
Pihak Ketiga Third Parties
Pinjaman tetap 9.683.420.015 8.845.158.112 Fixed loans
Pinjaman tetap dengan angsuran 6.771.225.706 5.075.586.745 Fixed loans with installments
Pinjaman rekening koran 1.838.154.121 1.627.457.490 Overdraft loans
Pinjaman konsumen 163.408.554 165.641.493 Consumer loans
Pinjaman serba guna 28.638.340 37.501.568 Other loans
18.484.846.736 15.751.345.408
Jumlah 18.628.743.177 15.824.611.091 Total
Dikurangi: Cadangan kerugian Less: Allowance for impairment
penurunan nilai (574.872.202) (538.118.251) of loan losses
Jumlah - bersih 18.053.870.975 15.286.492.840 Total - net
b. Berdasarkan pihak dan sektor ekonomi b. By counterparties and economic sector
31 Desember/December 31,
2023 2022
Pihak Berelasi Related Parties
Industri 91.679.382 449.566 Industry
Lembaga pembiayaan 28.697.953 47.840.259 Financing
Perdagangan, restoran dan hotel 20.052.215 16.439.766 Trading, restaurant, and hotel
Jasa-jasa sosial/masyarakat 12.568 2.596.228 Social community service
Lain-lain 3.454.323 5.939.864 Others
143.896.441 73.265.683
Pihak Ketiga Third Parties
Lembaga pembiayaan 5.534.314.148 3.762.445.032 Financing
Perdagangan, restoran dan hotel 3.554.187.395 3.455.294.068 Trading, restaurant, and hotel
Real estate 2.533.798.811 2.434.559.491 Real estate
Industri 2.094.677.859 1.545.957.444 Industry
Konstruksi 737.806.956 782.271.513 Construction
Jasa-jasa sosial/masyarakat 349.338.531 420.555.309 Social community service
Lain-lain 3.680.723.036 3.350.262.551 Others
18.484.846.736 15.751.345.408
Jumlah 18.628.743.177 15.824.611.091 Total
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (574.872.202) (538.118.251) impairment losses
Jumlah - bersih 18.053.870.975 15.286.492.840 Total - net
83
Page 557
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
11. PINJAMAN YANG DIBERIKAN, PEMBIAYAAN 11. LOANS, SHARIA FINANCING AND
DAN PIUTANG SYARIAH (lanjutan) RECEIVABLES (continued)
b. Berdasarkan pihak dan sektor ekonomi b. By counterparties and economic sector
(lanjutan) (continued)
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the ratio of
rasio pinjaman kepada Usaha Mikro kecil Micro Business loans to the total loans in
terhadap pinjaman yang diberikan sesuai accordance with Bank Indonesia Circular Letter
dengan Surat Edaran Bank Indonesia No.13/30/DPNP dated December 16, 2011, was
No.13/30/DPNP tanggal 16 Desember 2011 16.39% and 15.45%, respectively (unaudited).
masing-masing sebesar 16,39% dan 15,45%
(tidak diaudit).
c. Berdasarkan jangka waktu periode c. By period of the loan agreement
perjanjian pinjaman
31 Desember/December 31,
2023 2022
Kurang dari 1 tahun 1.102.254.095 1.074.669.054 Less than 1 year
1 sampai dengan 2 tahun 8.989.930.116 7.064.604.782 1 up to 2 years
2 sampai dengan 5 tahun 2.288.156.059 1.792.845.362 2 up to 5 years
Lebih dari 5 tahun 6.248.402.907 5.892.491.893 More than 5 years
18.628.743.177 15.824.611.091
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (574.872.202) (538.118.251) impairment losses
Jumlah 18.053.870.975 15.286.492.840 Total
d. Berdasarkan sisa umur jatuh tempo d. By remaining period to maturity
31 Desember/December 31,
2023 2022
Kurang dari 1 tahun 10.230.458.965 8.317.221.072 Less than 1 year
1 sampai dengan 2 tahun 850.744.939 526.684.728 1 up to 2 years
2 sampai dengan 5 tahun 4.715.574.187 4.466.449.041 2 up to 5 years
Lebih dari 5 tahun 2.831.965.086 2.514.256.250 More than 5 years
18.628.743.177 15.824.611.091
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (574.872.202) (538.118.251) impairment losses
Jumlah 18.053.870.975 15.286.492.840 Total
e. Berdasarkan kolektibilitas Bank Indonesia e. By Bank Indonesia collectibility
31 Desember/December 31,
2023 2022
Pokok/ Cadangan/ Pokok/ Cadangan/
Principal Allowance Principal Allowance
Lancar 16.853.533.089 (188.687.597) 13.891.816.244 (127.059.296) Current
Dalam perhatian khusus 1.031.746.709 (246.323.248) 1.264.168.321 (283.615.360) Special Mention
Kurang lancar 92.773.486 (44.667.572) 75.569.484 (31.722.417) Substandard
Diragukan 17.419.566 (4.528.633) 77.449.429 (25.271.075) Doubtful
Macet 633.270.327 (90.665.152) 515.607.613 (70.450.103) Loss
Jumlah 18.628.743.177 (574.872.202) 15.824.611.091 (538.118.251) Total
84
Page 558
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
11. PINJAMAN YANG DIBERIKAN, PEMBIAYAAN 11. LOANS, SHARIA FINANCING AND
DAN PIUTANG SYARIAH (lanjutan) RECEIVABLES (continued)
f. Menurut Stage f. By Stage
Berikut adalah perubahan jumlah pinjaman Below is movement of loans based on stages
yang diberikan berdasarkan stage selama tahun during the year ended December 31, 2023 and
berakhir 31 Desember 2023 dan 2022: 2022:
31 Desember/ December 31, 2023
Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal tahun 13.749.721.837 1.406.262.727 668.626.527 15.824.611.091 Balance beginning of year
Transfer ke kerugian kredit
ekspektasian 12 bulan Transfer to expected
(Stage 1) 524.560.294 (521.995.580) (2.564.714) - credit losses (Stage 1)
Transfer ke kerugian kredit
ekspektasian sepanjang Transfer to lifetime expected
umurnya (Stage 2) (498.885.200) 498.885.200 - - credit losses (Stage 2)
Transfer ke kredit yang mengalami Transfer to credit impaired
penurunan nilai (Stage 3) (117.427.616) (261.018.850) 378.446.466 - (Stage 3)
Total saldo awal Total opening balance
setelah pengalihan 13.657.969.315 1.122.133.497 1.044.508.279 15.824.611.091 after transfer
Pengukuran kembali bersih Net remeasurement of
nilai tercatat (1.338.336.571) (73.638.752) (159.342.477) (1.571.317.800) carrying amount
Aset keuangan yang baru New financial asset
diterbitkan atau dibeli 8.698.335.237 201.653.500 134.001.472 9.033.990.209 originated or purchased
Aset keuangan yang Derecognition of
dihentikan pengakuannya (4.183.072.609) (199.763.819) (67.043.684) (4.449.880.112) financial asset
Aset keuangan yang Written-off financial
dihapusbuku - - (208.660.211) (208.660.211) assets
Total penambahan/(pengurangan) Total additional/(reversal)
tahun berjalan 3.176.926.057 (71.749.071) (301.044.900) 2.804.132.086 during the year
Saldo akhir tahun 16.834.895.372 1.050.384.426 743.463.379 18.628.743.177 Balance end of year
31 Desember/ December 31, 2022
Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Saldo awal tahun 12.174.588.727 1.441.372.589 1.067.143.793 805.969.302 15.489.074.411 Balance beginning of year
Transfer ke kerugian kredit
ekspektasian 12 bulan Transfer to expected
(Stage 1) 376.488.123 (364.589.511) (11.898.612) - - credit losses (Stage 1)
Transfer ke kerugian kredit
ekspektasian sepanjang Transfer to lifetime expected
umurnya (Stage 2) (523.152.234) 523.866.745 (714.511) - - credit losses (Stage 2)
Transfer ke kredit yang mengalami Transfer to credit impaired
penurunan nilai (Stage 3) (131.787.056) (8.368.253) 140.155.309 - - (Stage 3)
Total saldo awal Total opening balance
setelah pengalihan 11.896.137.560 1.592.281.570 1.194.685.979 805.969.302 15.489.074.411 after transfer
Pengukuran kembali bersih Net remeasurement of
nilai tercatat (992.385.522) (92.077.870) (144.857.114) - (1.229.320.506) carrying amount
Aset keuangan yang baru New financial asset
diterbitkan atau dibeli 5.628.818.812 87.888.637 35.213.454 - 5.751.920.903 originated or purchased
Aset keuangan yang Derecognition of
dihentikan pengakuannya (2.782.849.013) (181.829.610) (122.247.341) - (3.086.925.964) financial asset
Aset keuangan yang Written-off financial
dihapusbuku - - (294.168.451) - (294.168.451) assets
Total penambahan/(pengurangan) Total additional/(reversal)
tahun berjalan 1.853.584.277 (186.018.843) (526.059.452) - 1.141.505.982 during the year
Dampak kehilangan pengendalian Loss of control
entitas anak - - - (805.969.302) (805.969.302) on subsidiary
Saldo akhir tahun 13.749.721.837 1.406.262.727 668.626.527 - 15.824.611.091 Balance end of year
85
Page 559
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
11. PINJAMAN YANG DIBERIKAN, PEMBIAYAAN 11. LOANS, SHARIA FINANCING AND
DAN PIUTANG SYARIAH (lanjutan) RECEIVABLES (continued)
g. Pinjaman yang diberikan, pembiayaan dan g. Impaired loans, sharia financing and
piutang syariah yang mengalami penurunan receivables and allowances for impairment
nilai dan cadangan kerugian penurunan losses by economic sector
nilainya berdasarkan sektor ekonomi
Pinjaman yang mengalami penurunan nilai Impaired loan based on economic sector and
berdasarkan sektor ekonomi dan cadangan allowance:
yang dibentuk:
31 Desember/December 31,
2023 2022
Real estate 664.731.842 347.855.539 Real estate
Perdagangan, restoran, dan hotel 240.812.559 328.804.972 Trading, restaurant and hotel
Konstruksi 121.490.813 57.310.883 Construction
Jasa-jasa sosial/masyarakat 117.355.295 39.186.518 Social/community services
Lembaga Pembiayaan 35.037.672 8.991.000 Financing
Industri 3.079.485 58.799.412 Industry
Lain-lain 419.454.946 78.751.491 Others
1.601.962.612 919.699.815
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (362.634.000) (165.192.941) impairment losses
Jumlah 1.239.328.612 754.506.874 Total
Rasio pinjaman bermasalah (Non-Performing The ratio of non-performing loan (NPL)-gross of
Loan - NPL) kotor Bank terhadap total pinjaman the Bank as of December 31, 2023 and 2022
yang diberikan pada tanggal 31 Desember 2023 was 3.99% and 4.23% to total loans,
dan 2022 masing-masing sebesar 3,99% dan respectively. Ratio NPL-net to total loans of the
4,23%. Rasio NPL neto Bank terhadap total Bank as of December 31, 2023 and 2022 was
pinjaman yang diberikan pada tanggal 3.24% and 3.42%, respectively.
31 Desember 2023 dan 2022 masing-masing
sebesar 3,24% dan 3,42%.
h. Pinjaman yang direstrukturisasi h. Restructured loans
31 Desember/December 31,
2023 2022
Penjadwalan kembali Rescheduling of installments
angsuran dan perpanjangan and the extention
jangka waktu pinjaman 2.868.304.020 3.102.181.766 of credit period
Perpanjangan jangka waktu, Extention of credit period,
penurunan suku bunga pinjaman, reduction of interest rate,
penggabungan fasilitas combined facility,
penambahan plafon - 1.378.110.809 additions of plafond
Jumlah pinjaman yang
direstrukturisasi 2.868.304.020 4.480.292.575 Total restructured loans
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (447.527.201) (428.127.277) impairment losses
Jumlah 2.420.776.819 4.052.165.298 Total
86
Page 560
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
11. PINJAMAN YANG DIBERIKAN, PEMBIAYAAN 11. LOANS, SHARIA FINANCING AND
DAN PIUTANG SYARIAH (lanjutan) RECEIVABLES (continued)
h. Pinjaman yang direstrukturisasi (lanjutan) h. Restructured loans (continued)
Berikut adalah jumlah pinjaman yang Below are the balance of restructured loans
direstrukturisasi berdasarkan kolektibilitas pada based on collectability as of December 31, 2023
tanggal 31 Desember 2023 dan 2022: and 2022:
31 Desember/December 31,
2023 2022
Lancar 1.276.007.551 2.651.901.635 Current
Dalam Perhatian Khusus 930.550.887 1.221.471.066 Special Mention
Kurang Lancar 33.788.024 73.415.364 Substandard
Diragukan 13.919.566 77.449.429 Doubtful
Macet 614.037.992 456.055.081 Loss
Jumlah pinjaman yang
direstrukturisasi 2.868.304.020 4.480.292.575 Total restructured loans
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (447.527.201) (428.127.277) impairment losses
Jumlah 2.420.776.819 4.052.165.298 Total
Berikut adalah jumlah pinjaman yang Below are the balance of restructured loans
direstrukturisasi berdasarkan jenis pinjaman based on type as of December 31, 2023
pada tanggal 31 Desember 2023 dan 2022: and 2022:
31 Desember/December 31,
2023 2022
Pinjaman tetap 1.820.536.969 2.790.047.805 Fixed loans
Pinjaman rekening koran 849.748.361 232.214.253 Overdraft loans
Pinjaman tetap dengan angsuran 146.129.251 1.383.190.366 Fixed loans with installments
Pinjaman konsumen 32.995.695 52.794.277 Consumer loans
Pinjaman serba guna 18.893.744 22.045.874 Other loans
Jumlah pinjaman yang
direstrukturisasi 2.868.304.020 4.480.292.575 Total restructured loans
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (447.527.201) (428.127.277) impairment losses
Jumlah 2.420.776.819 4.052.165.298 Total
Sehubungan dengan restrukturisasi dan In relation to loan restructuring and relaxation
relaksasi kredit sebagai dampak dari due to COVID-19 impact, the regulator issued
COVID-19, regulator mengeluarkan POJK POJK No.11/POJK.03/2020 dated March 16,
No.11/POJK.03/2020 tanggal 16 Maret 2020 2020 regarding National Economy Stimulus as
tentang Stimulus Perekonomian Nasional the COVID-19 Outbreak Impact Countercyclical
sebagai Kebijakan Countercyclical Policy that amended to POJK
Dampak Penyebaran COVID-19 yang kemudian No. 48/POJK.03/2020 dated December 1, 2020
diperbaharui dengan POJK and reamend under POJK No.17/POJK.03/2021
No.48/POJK.03/2020 tanggal 1 Desember 2020 dated on September 10, 2021. The amount of
dan diperbaharui dengan POJK loan that have been restructured as
No.17/POJK.03/2021 tanggal 10 September a result of the COVID-19 pandemic as of
2021. Jumlah pinjaman yang diberikan yang December 31, 2023 and 2022 amounting to
telah direstrukturisasi akibat dampak pandemi Rp1,416,009,064 and Rp3,763,830,225,
COVID-19 pada tanggal 31 Desember 2023 respectively.
dan 2022 masing-masing sebesar
Rp1.416.009.064 dan Rp3.763.830.225.
87
Page 561
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
11. PINJAMAN YANG DIBERIKAN, PEMBIAYAAN 11. LOANS, SHARIA FINANCING AND
DAN PIUTANG SYARIAH (lanjutan) RECEIVABLES (continued)
i. Perubahan cadangan kerugian penurunan i. The changes in allowance for impairment
nilai losses
31 Desember/ December 31, 2023
Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal tahun 113.248.446 297.426.209 127.443.596 538.118.251 Balance beginning of year
Transfer ke kerugian kredit
ekspektasian 12 bulan Transfer to 12 month expected
(Stage 1) 101.250.110 (100.340.521) (909.589) - credit losses (Stage 1)
Transfer ke kerugian kredit
ekspektasian sepanjang Transfer to lifetime expected
umurnya (Stage 2) (5.550.699) 5.550.699 - - credit losses (Stage 2)
Transfer ke kredit yang mengalami Transfer to credit impaired
penurunan nilai (Stage 3) (1.669.222) (34.430.698) 36.099.920 - (Stage 3)
Total saldo awal setelah Beginning balance after
pengalihan 207.278.635 168.205.689 162.633.927 538.118.251 stage transfer
Pengukuran kembali bersih Net remeasurement of
penyisihan kerugian (107.119.134) 139.909.436 185.691.182 218.481.484 carrying amount
Aset keuangan yang baru New financial asset
diterbitkan atau dibeli 41.176.937 61.568.430 9.266.982 112.012.349 originated or purchased
Aset keuangan yang dihentikan Derecognized financial
pengakuannya (28.530.381) (47.478.767) (9.070.523) (85.079.671) assets
Aset keuangan yang Written-off financial
dihapusbuku - - (208.660.211) (208.660.211) assets
Total pembentukan/(pembalikan)
tahun (94.472.578) 153.999.099 (22.772.570) 36.753.951 Net change in exposure
Saldo akhir tahun 112.806.057 322.204.788 139.861.357 574.872.202 Balance end of year
31 Desember/ December 31, 2022
Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Saldo awal tahun 103.598.821 79.800.317 468.103.610 50.771.005 702.273.753 Balance beginning of year
Transfer ke kerugian kredit
ekspektasian 12 bulan Transfer to 12 month expected
(Stage 1) 20.994.941 (17.783.674) (3.211.267) - - credit losses (Stage 1)
Transfer ke kerugian kredit
ekspektasian sepanjang Transfer to lifetime expected
umurnya (Stage 2) (19.788.628) 20.001.621 (212.993) - - credit losses (Stage 2)
Transfer ke kredit yang mengalami Transfer to credit impaired
penurunan nilai (Stage 3) (3.580.076) (714.839) 4.294.915 - - (Stage 3)
Total saldo awal setelah Beginning balance after
pengalihan 101.225.058 81.303.425 468.974.265 50.771.005 702.273.753 stage transfer
Pengukuran kembali bersih Net remeasurement of
penyisihan kerugian (22.860.111) 210.052.392 (9.783.183) - 177.409.098 carrying amount
Aset keuangan yang baru New financial asset
diterbitkan atau dibeli 43.465.945 14.442.163 12.597.767 - 70.505.875 originated or purchased
Aset keuangan yang dihentikan Derecognized financial
pengakuannya (8.582.446) (8.371.771) (50.176.802) - (67.131.019) assets
Aset keuangan yang Written-off financial
dihapusbuku - - (294.168.451) - (294.168.451) assets
Total pembentukan/(pembalikan)
tahun 12.023.388 216.122.783 (341.530.669) - (113.384.497) Net change in exposure
Dampak kehilangan pengendalian Loss of control on
entitas anak - - - (50.771.005) (50.771.005) subsidiary
Saldo akhir tahun 113.248.446 297.426.209 127.443.596 - 538.118.251 Balance end of year
Manajemen berpendapat bahwa cadangan The management believe that allowance for
kerugian penurunan nilai untuk pinjaman yang impairment losses of loans, sharia financing
diberikan, pembiayaan dan piutang syariah and receivables is adequate to cover
adalah cukup untuk menutup kerugian yang impairment losses that might arise from
mungkin timbul akibat tidak tertagihnya uncollectible loans.
pinjaman.
88
Page 562
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
11. PINJAMAN YANG DIBERIKAN, PEMBIAYAAN 11. LOANS, SHARIA FINANCING AND
DAN PIUTANG SYARIAH (lanjutan) RECEIVABLES (continued)
Pada tanggal 26 Desember 2018, OJK On December 26, 2018, OJK issued new regulation
mengeluarkan ketentuan baru yaitu No. 32/POJK.03/2018 regarding “Legal Lending
No. 32/POJK.03/2018 tentang “Batas Maksimum Limit and Large Exposure for Commercial Bank”
Pemberian Kredit dan Penyediaan Dana Besar bagi which effective since September 1, 2019, which
Bank Umum” yang berlaku efektif sejak 1 September amended partially by POJK No. 38/POJK.03/2019
2019 yang sebagian pasalnya diubah dengan POJK dated December 19, 2019. This regulation requires
No. 38/POJK.03/2019 tanggal 19 Desember 2019. the maximum lending limit to one and/or group of
Peraturan tersebut menetapkan batas maksimum nonrelated party debtor which not exceed to 25% of
penyediaan dana kepada satu debitur dan/atau the Bank’s core capital. As of December 31, 2023
kelompok debitur yang bukan merupakan pihak and 2022, there were no breach and no violation of
berelasi tidak melebihi 25% dari modal inti Bank. the LLL requirements both to related parties and
Pada tanggal 31 Desember 2023 dan 2022 tidak third parties.
terdapat pelampauan dan pelanggaran atas BMPK
baik kepada pihak berelasi maupun pihak ketiga.
Jaminan atas pinjaman yang diberikan berupa Collaterals for loans are in form of as land, building,
tanah, bangunan, saham, giro, deposito berjangka, shares, demand deposits, time deposits, machinery,
mesin, persediaan, dan piutang. Deposito berjangka inventories, and receivables. Time deposits that are
yang dijadikan jaminan tunai untuk pinjaman yang pledged as cash collateral for loans as of December
diberikan pada tanggal 31 Desember 2023 dan 2022 31, 2023 and 2022 amounted to Rp1,719,715,512
masing-masing sebesar Rp1.719.715.512 dan and Rp707,564,744 (Note 18) with loan outstanding
Rp707.564.744 (Catatan 18) dengan outstanding of Rp6,228,669,396 and Rp636,277,117,
pinjaman masing-masing sebesar Rp6.228.669.396 respectively. Demand deposits that are pledged as
dan Rp636.277.117. Giro yang dijadikan jaminan cash collateral for loans as of December 31, 2023
tunai untuk pinjaman yang diberikan pada tanggal and 2022 amounted to Rp320,546,300 and
31 Desember 2023 dan 2022 masing-masing Rp118,115,313 (Note 18) with loan outstanding of
sebesar Rp320.546.300 dan Rp118.115.313 Rp730,857,049 and Rp138,038,686, respectively.
(Catatan 18) dengan outstanding pinjaman masing- Saving deposits that are pledged as cash collateral
masing sebesar Rp730.857.049 dan for loans as of December 31, 2023 amounted to
Rp138.038.686. Tabungan yang dijadikan jaminan Rp149,150,000 (Note 18) with loan outstanding of
tunai untuk pinjaman yang diberikan pada tanggal Rp409,964,166. Negotiable Certificate Deposits
31 Desember 2023 sebesar Rp149.150.000 (NCD) that are pledged as cash collateral for loans
(Catatan 18) dengan outstanding pinjaman sebesar as of December 31, 2023 amounted to
Rp409.964.166. Negotiable Certificate Depotit Rp116,900,000 (Note 18) with loan outstanding of
(NCD) yang dijadikan jaminan tunai untuk pinjaman Rp82,181,253.
yang diberikan pada tanggal 31 Desember 2023
sebesar Rp116.900.000 (Catatan 18) dengan
outstanding pinjaman sebesar Rp82.181.253.
12. PENYERTAAN SAHAM 12. INVESTMENTS IN SHARES
31 Desember/December 31
Kepemilikan/
Ownership 2023 2022
Diukur pada FVTPL Measured at FVTPL
PT Bima Multi Finance 34,91% 0*) 31.877.279 PT Bima Multi Finance
Entitas asosiasi: Associate Entity:
PT Bank Victoria Syariah PT Bank Victoria Syariah
(Lihat Catatan 48) 19,81% 215.930.505 210.227.044 (See Note 48)
Jumlah 215.930.505 242.104.323 Total
*) nilai wajar saham PT Bima Multi Finance adalah sebesar Rp1 *) fair value of shares in PT Bima Multi Finance are Rp1 (in full amount)
(dalam nilai penuh)
89
Page 563
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
12. PENYERTAAN SAHAM (lanjutan) 12. INVESTMENTS IN SHARES (continued)
Pada tanggal 15 Desember 2023, Bank melakukan On December 15, 2023, the Bank sold its shares
transaksi penjualan atas saham yang dimiliki pada ownership in PT Bima Multi Finance to PT Sumber
PT Bima Multi Finance kepada PT Sumber Daya Daya Sakti with selling price of Rp80.297. The
Sakti dengan harga jual sebesar Rp80.297. Nilai jual selling value is above the result of valuation
ditentukan diatas hasil penilaian yang dilakukan oleh performed by KJPP Tri, Santi & Partners dated
KJPP Tri, Santi & Rekan tertanggal 8 Desember December 8, 2023. As of the date of this financial
2023. Sampai dengan tanggal laporan keuangan ini, statements, the share transfer transaction is still in
transaksi pengalihan saham masih dalam proses the process of registering and recording in Ministry
pelaporan dan pencatatan di Kementerian Hukum of Law and Human Rights of the Republic of
dan Hak Asasi Manusia Republik Indonesia oleh PT Indonesia. As of December 31, 2023, the Bank has
Bima Multi Finance. Pada tanggal 31 Desember recorded a loss from decrease in fair value on
2023, Bank telah mencatat kerugian penurunan nilai shares ownership in PT Bima Multi Finance
wajar atas penyertaan saham PT Bima Multi amounting to Rp31,877,279, therefore the balance
Finance sebesar Rp31.877.279, sehingga nilai of investment in shares in PT Bima Multi Finance is
tercatat penyertaan saham di PT Bima Multi Finance Rp1 (in full amount) as of December 31, 2023.
adalah Rp1 (dalam nilai penuh) per 31 Desember
2023.
Dalam rangka memenuhi modal inti sebesar In order to fulfill the minimum core capital
Rp1.000.000.000 (satu triliun rupiah) di PT Bank requirement amounting to Rp1,000,000,000 (one
Victoria Syariah, Bank melakukan penambahan trillion Rupiah) for PT Bank Victoria Syariah, Bank
penyertaan modal kepada Bank Victoria Syariah has injected an additional investment in
sebesar Rp138.000.000 yang telah mendapat PT Bank Victoria Syariah shares amounting to
persetujuan dari Otoritas Jasa Keuangan (OJK) Rp138,000,000 which has been approved by
melalui surat No. S-137/PB.33/2022 tanggal Financial Service Authority through letter
27 Desember 2022. No. S-137/PB.33/2022 dated December 27, 2022.
Berdasarkan Berita Acara Rapat Umum Luar Biasa Based on the Minutes of Extraordinary
para Pemegang Saham PT Bima Multi Finance Shareholders Meeting of PT Bima Multi Finance
tertanggal 12 November 2018 dan Akta Notaris dated November 12, 2018 and Notarial Deed No. 19
No. 19 tanggal 12 Maret 2019 yang dibuat dated March 12, 2019 of Drs. Wijanto Suwongso,
dihadapan Drs. Wijanto Suwongso, SH., Notaris di S.H., a Notary in Jakarta, Bank and the other
Jakarta, Bank dan beberapa kreditur lainnya telah creditors have agreed on the convertion from long
menyetujui konversi pinjaman jangka panjang dan term loan and MTN of PT Bima Multi Finance into
MTN PT Bima Multi Finance menjadi saham dengan shares with convertion rate of Rp500 per shares
nilai konversi Rp500 per lembar saham (nilai Rupiah (Rupiah full amount). This changes has been
penuh). Perubahan ini telah diterima dan dicatat di accepted and recorded in database of Legal Entities
dalam database Sistem Administrasi Badan Hukum Administration System of the Ministry of Law and
Kementerian Hukum dan Hak Asasi Manusia Human Rights of the Republic of Indonesia in its
Republik Indonesia berdasarkan Surat Letter No. AHU-AH.01.03-0151322 dated March 15,
No. AHU-AH.01.03-0151322 tanggal 15 Maret 2019. 2019. From this convertion process, Bank has
Melalui proses konversi ini, Bank memiliki 34.91% percentage of ownership in PT Bima Multi
persentase kepemilikan sebesar 34,91% di Finance and recorded as temporary investment in
PT Bima Multi Finance dan mencatatnya sebagai shares amounted to Rp168,907,325 (gross). After
penyertaan saham sementara sebesar recording a temporary investment in shares, the
Rp168.907.325 (bruto). Setelah mencatat Bank no longer recognise the loans and MTN in
penyertaan saham sementara, Bank tidak lagi PT Bima Multi Finance.
mengakui pinjaman yang diberikan dan MTN pada
PT Bima Multi Finance.
90
Page 564
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
12. PENYERTAAN SAHAM (lanjutan) 12. INVESTMENTS IN SHARES (continued)
Bank wajib untuk melakukan divestasi penyertaan Banks are obliged to divest temporary investment in
saham sementara apabila penyertaan saham shares if the temporary investment in shares have
sementara telah melebihi jangka waktu paling lama exceeded a maximum period of 5 (five) years or
5 (lima) tahun atau PT Bima Multi Finance telah PT Bima Multi Finance has recorded positive
mencatatkan saldo laba positif pada ekuitasnya. Hal retained earnings in their equity. This is in
ini sesuai dengan intensi dari Bank untuk menjual accordance with the Bank's intention to sell the
penyertaan saham sementara pada PT Bima Multi temporary investment in PT Bima Multi Finance if it
Finance apabila telah memenuhi kriteria yang has meets the specified criteria.
ditentukan.
Bank juga tidak memiliki pengaruh signifikan pada Bank also does not have a significant influence on
PT Bima Multi Finance dibuktikan dengan: PT Bima Multi Finance as evidenced by:
i. Tidak terdapat wakil dari Bank yang menjabat i. There is no representative from the Bank who
sebagai Dewan Direksi dan Dewan Komisaris serves as the Board of Directors and the Board
atau organ setara di PT Bima Multi Finance; of the Commissioners or equivalent organs in
PT Bima Multi Finance;
ii. Bank tidak berpartisipasi dalam proses ii. The Bank does not participate in the policy-
pembuatan kebijakan, termasuk dalam making process, including participation in
partisipasi dalam pengambilan keputusan decision-making about dividends or other
tentang dividen atau distribusi lain pada distributions in PT Bima Multi Finance;
PT Bima Multi Finance;
iii. Tidak adanya transaksi material antara Bank iii.There is no material transaction between the
dengan PT Bima Multi Finance; Bank and PT Bima Multi Finance;
iv. Tidak terdapat pertukaran personil manajerial iv. There is no managerial personnel exchange
antara Bank dengan PT Bima Multi Finance; between the Bank and PT Bima Multi Finance;
dan and
v. Bank tidak terlibat dalam penyediaan teknis v. The Bank is not involved in providing principal
informasi pokok untuk PT Bima Multi Finance. technical information for PT Bima Multi Finance.
Lihat Catatan 46 untuk pengukuran nilai wajar Refer to Note 46 for fair value measurement of
penyertaan saham sementara pada tanggal temporary investment in shares as of December 31,
31 Desember 2023 dan 2022. 2023 and 2022.
13. BIAYA DIBAYAR DIMUKA 13. PREPAID EXPENSES
31 Desember/December 31,
2023 2022
Promosi 17.034.405 13.650.866 Promotion
Pengembangan teknologi 3.152.376 3.225.434 Technology development
Sewa dibayar dimuka 877.362 61.337 Prepaid rent
Lain-lain 4.400.881 2.777.040 Others
Jumlah 25.465.024 19.714.677 Total
Lain-lain sebagian besar terdiri dari premi asuransi Others mainly consists of prepaid insurances,
dibayar dimuka, biaya dibayar dimuka personalia prepaid salaries expenses and legal fees.
dan biaya jasa hukum.
91
Page 565
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
14. ASET TETAP DAN ASET HAK-GUNA 14. FIXED ASSETS AND RIGHT-OF-USE ASSETS
Aset tetap terdiri dari: Fixed assets consist of the following:
31 Desember/December 31,
2023 2022
Kepemilikan langsung 376.477.361 435.038.435 Direct ownership
Aset hak-guna 46.749.843 35.814.592 Right-of-use assets
Jumlah 423.227.204 470.853.027 Total
Aset tetap kepemilikan langsung Direct ownership fixed assets
31 Desember/December 31, 2023
Saldo awal/ Penambahan/ Pengurangan/ Kapitalisasi/ Reklasifikasi/ Saldo akhir/
Beginning balance Additions Deductions Capitalisation Reclassification Ending balance
Biaya Perolehan Acquisition Cost
Kepemilikan langsung: Direct ownership:
Tanah 371.644.982 - (44.913.045) 350.580 (10.944.771) 316.137.746 Land
Bangunan 59.090.423 1.613.152 (6.366.089) 149.000 (3.484.833) 51.001.653 Buildings
Kendaraan bermotor 6.030.655 2.099.300 (4.800) - - 8.125.155 Vehicles
Mesin-mesin dan Machinery and
peralatan 30.603.912 12.079.980 (274.690) - - 42.409.202 equipment
Perlengkapan dan Office furniture and
perabotan kantor 6.317.231 398.594 (68.075) - - 6.647.750 equipment
Aset tetap dalam Assets under
proses pembangunan 21.086.752 4.774 (1.450.000) - (350.580) 19.290.946 constructions
Jumlah biaya Total acquisition
perolehan 494.773.955 16.195.800 (53.076.699) 499.580 (14.780.184) 443.612.452 cost
Akumulasi Accumulated
Penyusutan Depreciation
Kepemilikan langsung: Direct ownership:
Bangunan 24.792.291 6.296.274 (2.246.808) - (1.161.033) 27.680.724 Buildings
Kendaraan bermotor 5.642.107 290.984 (4.800) - - 5.928.291 Vehicles
Mesin-mesin dan Machinery and
peralatan 23.339.109 4.351.117 (274.514) - - 27.415.712 equipment
Perlengkapan dan Office furniture and
perabotan kantor 5.962.013 216.426 (68.075) - - 6.110.364 equipment
Jumlah akumulasi Total accumulated
penyusutan 59.735.520 11.154.801 (2.594.197) - (1.161.033) 67.135.091 depreciation
Nilai buku bersih 435.038.435 376.477.361 Net book value
31 Desember/December 31, 2022
Saldo awal/ Penambahan/ Pengurangan/ Kapitalisasi/ Reklasifikasi/ Saldo akhir/
Beginning balance Additions Deductions*) Capitalisation Reclassification Ending balance
Biaya Perolehan Acquisition Cost
Kepemilikan langsung: Direct ownership:
Tanah 412.385.631 - (14.574.092) - (26.166.557) 371.644.982 Land
Bangunan 73.103.906 - (3.455.173) - (10.558.310) 59.090.423 Buildings
Kendaraan bermotor 8.426.186 - (2.395.531) - - 6.030.655 Vehicles
Mesin-mesin dan Machinery and
peralatan 28.408.466 7.236.404 (5.040.958) - - 30.603.912 equipment
Perlengkapan dan Office furniture and
perabotan kantor 7.576.000 285.464 (1.544.233) - - 6.317.231 equipment
Aset tetap dalam Assets under
proses pembangunan 21.081.980 4.774 (2) - - 21.086.752 constructions
Jumlah biaya Total acquisition
perolehan 550.982.169 7.526.642 (27.009.989) - (36.724.867) 494.773.955 cost
Akumulasi Accumulated
Penyusutan Depreciation
Kepemilikan langsung: Direct ownership:
Bangunan 19.280.356 9.609.703 (670.046) - (3.427.722) 24.792.291 Buildings
Kendaraan bermotor 7.051.855 970.946 (2.380.694) - - 5.642.107 Vehicles
Mesin-mesin dan Machinery and
peralatan 25.777.066 2.498.941 (4.936.898) - - 23.339.109 equipment
Perlengkapan dan Office furniture and
perabotan kantor 7.191.454 250.144 (1.479.585) - - 5.962.013 equipment
Jumlah akumulasi Total accumulated
penyusutan 59.300.731 13.329.734 (9.467.223) - (3.427.722) 59.735.520 depreciation
Nilai buku bersih 491.681.438 435.038.435 Net book value
92
Page 566
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
14. ASET TETAP DAN ASET HAK-GUNA (lanjutan) 14. FIXED ASSETS AND RIGHT-OF-USE ASSETS
(continued)
Aset tetap kepemilikan langsung (lanjutan) Direct ownership fixed assets (continued)
Rincian laba/(rugi) penjualan aset tetap adalah The details of gain/(loss) on sale of fixed assets are
sebagai berikut: as follows:
31 Desember/December 31,
2023 2022
Hasil penjualan aset tetap 45.395.525 17.394.945 Proceeds from sale of fixed assets
Nilai buku (49.032.326) (17.177.219) Book value
Laba/(rugi) penjualan Gain/(loss) on sale
aset tetap (Catatan 36) (3.636.801) 217.726 of fixed assets (Note 36)
Laba/(rugi) penjualan aset tetap disajikan sebagai Gain/(loss) on sale of fixed assets is presented as
bagian dari akun “Beban non-operasional - bersih” part of “Non-operating expense - net” in the
pada laporan laba rugi dan penghasilan statement profit or loss and other comprehensive
komprehensif (Catatan 36). income (Note 36).
Aset tetap dalam proses pembangunan pada Assets under construction as of December 31, 2023
tanggal 31 Desember 2023 dan 2022 masing- and 2022 amounting to Rp19,290,946 and
masing sebesar Rp19.290.946 dan Rp21.081.980 Rp21,081,980, respectively, related to land and
merupakan tanah dan bangunan yang dibeli dan buildings that were bought but still under licensing
masih dalam tahap perizinan dan perpanjangan phase and extension of Rights to Build (SHGB). The
Surat Hak Guna Bangunan (SHGB). Estimasi estimated percentage of completion of Construction
persentase tingkat penyelesaian aset tetap dalam in progress as of December 31, 2023 and 2022 is
proses pembangunan pada tanggal 31 Desember 90%. Those constructions are estimated to be
2023 dan 2022 adalah 90%. Konstruksi tersebut completed in 2024.
diperkirakan akan selesai pada tahun 2024.
Bank memiliki beberapa bidang tanah yang terletak The Bank own several fields of land in Jakarta,
di Jakarta, Surabaya, dan Denpasar dengan hak Surabaya, and Denpasar with Building Usage Rights
kepemilikan berupa Hak Guna Bangunan yang (“HGB”) for 20 (twenty) up to 30 (thirty) years which
berjangka waktu antara 20 (dua puluh) sampai will expire in various years up to 2046. The
dengan 30 (tiga puluh) tahun yang akan jatuh tempo management believes that there will be no difficulty
dalam berbagai tahun sampai tahun 2046. in the extension of the land rights since all of the
Manajemen berpendapat bahwa tidak terdapat land were acquired legally and supported by
masalah dengan perpanjangan hak atas tanah sufficient evidence of ownership.
karena seluruh tanah diperoleh secara sah dan
didukung dengan bukti pemilikan yang memadai.
Aset tetap, kecuali tanah, diasuransikan terhadap Fixed assets, except land, are insured against
risiko kebakaran dan pencurian kepada PT Victoria losses by fire and theft risks to PT Victoria Insurance
Insurance (pihak berelasi), PT Zurich Asuransi (related party), PT Zurich Asuransi Indonesia Tbk
Indonesia Tbk dan PT Asuransi Takaful Umum dan PT Asuransi Takaful Umum with total insurance
dengan nilai pertanggungan seluruhnya pada coverage as of December 31, 2023 and 2022
tanggal 31 Desember 2023 dan 2022 masing- amounting Rp160,234,700 and Rp177,223,197,
masing sebesar Rp160.234.700 dan respectively. The Bank’s management believe that
Rp177.223.197. Manajemen Bank berpendapat the insurance coverage is adequate to cover
bahwa nilai pertanggungan tersebut telah memadai possible losses on fixed assets insured.
untuk menutup kemungkinan kerugian atas aset
tetap yang dipertanggungkan.
93
Page 567
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
14. ASET TETAP DAN ASET HAK-GUNA (lanjutan) 14. FIXED ASSETS AND RIGHT-OF-USE ASSETS
(continued)
Aset tetap kepemilikan langsung (lanjutan) Direct ownership fixed assets (continued)
Seluruh aset tetap yang ada pada tanggal All of the fixed assets as of the reporting date
pelaporan 31 Desember 2023 dan 2022 digunakan December 31, 2023 and 2022 are used to support
untuk menunjang aktivitas operasi Bank. Pada the Bank’s operation activities. As of December 31,
tanggal 31 Desember 2023 dan 2022, jumlah nilai 2023 and 2022, the total acquisition cost of fixed
perolehan aset tetap yang telah disusutkan penuh assets that have been fully depreciated but still in
namun masih digunakan masing-masing adalah use amounted Rp50,576,817 and Rp44,227,241,
sebesar Rp50.576.817 dan Rp44.227.241. respectively.
Manajemen Bank telah melakukan pengkajian The Bank’s Management has re-assessed the
kembali atas estimasi umur ekonomis, metode estimation of useful lives,depreciation method and
penyusutan dan nilai residu aset tetap pada tanggal residual value of fixed assets on December 31,
31 Desember 2023 dan 2022. 2023 and 2022.
Tidak terdapat aset tetap yang dihentikan dari There are no fixed assets discontinued from active
penggunaan aktif atau diklasifikasikan sebagai use or classified as assets held for sale.
tersedia untuk dijual.
Berikut adalah perkiraan jumlah nilai tercatat aset Below is the estimated net book value of fixed asset
tetap jika dicatat dengan metode biaya pada tanggal if recorded using cost method as of December 31,
31 Desember 2023 dan 2022: 2023 and 2022:
31 Desember/December 31,
2023 2022
Tanah 275.568.597 331.075.833 Land
Bangunan 7.761.128 18.738.330 Building
Kendaraan Bermotor 2.196.864 388.548 Vehicle
Mesin dan Peralatan 14.993.490 7.264.803 Machinery and equipment
Perlengkapan dan perabotan kantor 537.386 355.218 Office furniture and equipment
Aset dalam penyelesaian 19.636.752 21.086.752 Assets under constructions
320.694.217 378.909.484
Aset hak-guna Right-of-use assets
Aset hak-guna pada 31 Desember 2023 dan 2022 Rights-of-use assets as of December 31, 2023 and
adalah sebagai berikut: 2022 are as follows:
31 Desember/ December 31, 2023
Saldo awal/ Penambahan/ Pengurangan/ Reklasifikasi/ Saldo akhir/
Beginning balance Additions Disposals Reclassification Ending balance
Aset hak-guna Right-of-use assets
Bangunan 49.959.422 21.754.777 (10.240.056) - 61.474.143 Buildings
Akumulasi Accumulated
Penyusutan Depreciation
Bangunan 14.144.830 10.819.526 (10.240.056) - 14.724.300 Buildings
Nilai buku bersih 35.814.592 46.749.843 Net book value
94
Page 568
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
14. ASET TETAP DAN ASET HAK-GUNA (lanjutan) 14. FIXED ASSETS AND RIGHT-OF-USE ASSETS
(continued)
Aset hak-guna (lanjutan) Right-of-use assets (continued)
Aset hak-guna pada 31 Desember 2023 dan 2022 Rights-of-use assets as of December 31, 2023 and
adalah sebagai berikut: (lanjutan) 2022 are as follows: (continued)
31 Desember/ December 31, 2022
Saldo awal/ Penambahan/ Pengurangan/ Reklasifikasi/ Saldo akhir/
Beginning balance Additions Disposals*) Reclassification Ending balance
Aset hak-guna Right-of-use assets
Bangunan 48.499.676 32.946.006 (31.486.260) - 49.959.422 Buildings
Akumulasi Accumulated
Penyusutan Depreciation
Bangunan 32.061.766 9.379.512 (27.296.448) - 14.144.830 Buildings
Nilai buku bersih 16.437.910 35.814.592 Net book value
*) Termasuk dalam pengurangan adalah dampak kehilangan Include in deductions is the impact of loss of control (*
pengendalian atas entitas anak on subsidiary
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, depreciation
penyusutan yang tercatat pada Bank adalah sebagai expense recorded by the Bank as follows:
berikut:
31 Desember/December 31,
2023 2022
Penyusutan aset tetap 11.154.801 13.329.734 Depreciation of fixed asset
Penyusutan sewa guna usaha 10.819.526 9.379.512 Depreciation of right-of-use assets
Jumlah 21.974.327 22.709.246 Total
Laporan posisi keuangan menunjukkan jumlah The balance sheet shows the following amounts
terkait sewa adalah sebagai berikut: relating to leases:
31 Desember/December 31,
2023 2022
Aset hak-guna: Right-of-use assets:
- Bangunan 46.749.843 35.814.592 Buildings -
46.749.843 35.814.592
Liabilitas sewa (Catatan 23) 47.309.526 33.100.288 Lease liabilities (Note 23)
47.309.526 33.100.288
Laporan laba rugi menunjukkan jumlah terkait sewa The statement of profit or loss shows the following
adalah sebagai berikut: amounts relating to leases:
31 Desember/December 31,
2023 2022
Beban penyusutan 10.819.526 9.379.512 Depreciation expense
Beban bunga (Catatan 33) 2.854.679 1.002.883 Interest expense (Note 33)
Jumlah 13.674.205 10.382.395 Total
95
Page 569
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
14. ASET TETAP DAN ASET HAK-GUNA (lanjutan) 14. FIXED ASSETS AND RIGHT-OF-USE ASSETS
(continued)
Revaluasi aset tetap Fixed asset revaluation
Penilaian pada nilai wajar aset tetap yang dimiliki Valuation to determine the fair value of the Bank’s
Bank pada 31 Desember 2020 telah dilakukan oleh fixed assets as of December 31, 2020 was
Kantor Jasa Penilai Publik (“KJPP”) Antonius performed by Kantor Jasa Penilai Publik (“KJPP”)
Setiady dan Rekan dengan laporan penilaian Antonius Setiady dan Rekan with valuation report
tertanggal 26 Februari 2021, yang kemudian dated February 26, 2021, which was subsequently
diterbitkan kembali dengan laporan penilaian reissued with valuation report dated July 27, 2022 to
tertanggal 27 Juli 2022 untuk menggantikan replace the valuation report dated February 26,
penilaian tertanggal 26 Februari 2021 tersebut. 2021. The valuation report was signed by Andrius
Laporan penilaian ditandatangani oleh Andrius Hermawan, MAPPI (Cert), independent appraiser
Hermawan, MAPPI (Cert), penilai independen yang registered in OJK.
telah terdaftar pada OJK.
Metode penilaian yang digunakan adalah Metode Valuation method used is Market Data Approach
Pendekatan Data Pasar dan Metode Biaya. Data and Cost Approach Method. Comparative data to
pembanding untuk menentukan nilai wajar aset determine fair value asset is obtained from data of
diperoleh dari data transaksi jual beli dari aset sale and purchase transactions from comparable
sebanding dengan menyesuaikan perbedaan- assets by adjusting differences between assets
perbedaan antara aset yang dinilai dengan data valued and comparable data. This comparison is
pembanding. Perbandingan ini juga menyangkut also concerns factors such as location, size, shape,
berbagai faktor seperti lokasi, luas, bentuk, characteristics and function based on its time and
karakteristik dan kegunannya berdasarkan unsur intended used.
waktu dan peruntukannya.
Surplus revaluasi tahun 2020 sebesar The revaluation surplus on 2020 of Rp56,128,951
Rp56.128.951 telah dikreditkan pada pendapatan was credited to other comprehensive income and
komprehensif lainnya dan disajikan sebagai “Surplus presented as “Gain on revaluation of fixed assets” in
revaluasi aset tetap” di ekuitas. equity.
Pada tanggal 31 Desember 2021, terdapat As of December 31, 2021, Bank has additional of
penambahan atas saldo revaluasi aset tetap revaluation surplus of fixed assets amounted
sebesar Rp7.083.877 disebabkan oleh pembalikan Rp7,083,877 from reversal of tax reserve provided
cadangan pajak yang dibentuk oleh Bank atas in 2020 for revaluation surplus of fixed assets
surplus revaluasi aset tetap tahun 2020. in 2020.
Pada tanggal 31 Desember 2023 dan 2022 saldo As of December 31, 2023 and 2022, gain on
surplus revaluasi aset tetap masing-masing adalah revaluation of fixed assets amounted to
sebesar Rp382.456.152 dan Rp382.456.152. Rp382,456,152 and Rp382,456,152, respectively.
15. AGUNAN YANG DIAMBIL ALIH 15. FORECLOSED ASSETS
Agunan yang diambil alih untuk penyelesaian Foreclosed assets in settlement of loans are
pinjaman yang diberikan dicatat dalam akun Agunan included in Foreclosed assets (“AYDA”) account.
yang Diambil Alih (“AYDA”). Rincian dalam akun ini The details in the account are as follows:
adalah:
31 Desember/December 31,
2023 2022
Tanah dan bangunan 802.486.682 1.237.844.890 Land and building
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (251.870.489) (306.834.651) impairment losses
550.616.193 931.010.239
96
Page 570
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
15. AGUNAN YANG DIAMBIL ALIH (lanjutan) 15. FORECLOSED ASSETS (continued)
Berdasarkan Peraturan Otoritas Jasa Keuangan Based on Financial Service Authority Regulation
(POJK) No. 40/POJK.03/2019 tanggal 19 Desember No. 40/POJK.03/2019 dated December 19, 2019
2019 tentang “Penilaian Kualitas Aktiva Bank regarding “Asset Quality Ratings for Commercial
Umum”, khususnya agunan yang diambil alih, Bank Banks” and particularly on the foreclosed assets, the
diwajibkan untuk melakukan upaya penyelesaian Bank is required to have an action plan for
terhadap agunan yang diambil alih yang dimiliki. settlement of its foreclosed assets.
Mutasi nilai agunan yang diambil alih adalah The changes in foreclosed assets are as follows:
sebagai berikut:
31 Desember/December 31,
2023 2022
Saldo awal 1.237.844.890 1.436.697.691 Beginning balance
Penambahan selama tahun berjalan - 193.324.072 Addition during the year
Pengurangan selama tahun berjalan (435.358.208) (279.521.470) Deduction during the year
Dampak kehilangan pengendalian Loss of control
entitas anak - (112.655.403) on subsidiary
Saldo akhir 802.486.682 1.237.844.890 Ending balance
Mutasi cadangan kerugian penurunan nilai untuk The changes in allowance for impairment losses of
agunan yang diambil alih adalah sebagai berikut: forecosed assets are as follows:
31 Desember/December 31,
2023 2022
Saldo awal 306.834.651 282.641.086 Beginning balance
Penambahan selama tahun berjalan 48.469.233 47.616.890 Addition during the year
Pengurangan selama tahun berjalan (103.433.395) - Deduction during the year
Dampak kehilangan pengendalian Loss of control
entitas anak - (23.423.325) on subsidiary
Saldo akhir 251.870.489 306.834.651 Ending balance
Manajemen berpendapat bahwa cadangan kerugian Management believes that the allowance for
penurunan nilai yang telah dibentuk cukup untuk impairment losses is adequate to cover possible
menutup kemungkinan kerugian atas agunan yang losses from foreclosed assets.
diambil alih.
16. ASET TAK BERWUJUD 16. INTANGIBLE ASSETS
31 Desember/ December 31, 2023
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Kapitalisasi/ Reklasifikasi/ Ending
balance Additions Deductions Capitalisation Reclassification balance
Biaya Perolehan 16.530.098 7.289.250 - - - 23.819.348 Acquisition Cost
Dikurangi: Akumulasi Less: Accumulated
amortisasi (13.998.914) (1.627.621) - - - (15.626.535) amortisation
Nilai buku 2.531.184 8.192.813 Net book value
31 Desember/ December 31, 2022
Saldo awal/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Kapitalisasi/ Reklasifikasi/ Ending
balance Additions Deductions*) Capitalisation Reclassification balance
Biaya Perolehan 22.680.126 1.879.808 (8.029.836) - - 16.530.098 Acquisition Cost
Dikurangi: Akumulasi Less: Accumulated
amortisasi (19.485.950) (1.538.595) 7.025.631 - - (13.998.914) amortisation
Nilai buku 3.194.176 2.531.184 Net book value
*) Termasuk dalam pengurangan adalah dampak kehilangan Include in deductions is the impact of loss of control (*
pengendalian atas entitas anak on subsidiary
97
Page 571
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
16. ASET TAK BERWUJUD (lanjutan) 16. INTANGIBLE ASSETS (continued)
Aset tak berwujud yang dimiliki oleh Bank berupa Intangible assets held by the Bank is application
lisensi aplikasi yang dibeli oleh Bank. license purchased by the Bank.
Amortisasi yang dicatat oleh Bank masing-masing Amortisation recorded by the Bank amounted to
sebesar Rp1.627.621 dan Rp1.538.595 untuk tahun Rp1,627,621 and Rp1,538,595 the years ended
yang berakhir pada tanggal 31 Desember 2023 dan December 31, 2023 and 2022, respectively (Note
2022 (Catatan 33). 33).
Berdasarkan penelaahan manajemen, tidak terdapat Based on the management assessment, there are
kejadian atau perubahan keadaan yang no events or changes in circumstances indicating an
mengindikasikan adanya penurunan nilai aset tak impairment of intangible assets as of December 31,
berwujud pada tanggal 31 Desember 2023 dan 2023 and 2022.
2022.
17. ASET LAIN-LAIN 17. OTHER ASSETS
31 Desember/December 31,
2023 2022
Uang muka pada pihak ketiga 43.213.258 26.570.414 Advance payment to third parties
Properti terbengkalai 33.794.570 36.158.934 Abandoned property
Uang jaminan 7.941.619 6.359.307 Security deposits
Tagihan pihak ketiga 4.853.701 13.893.797 Receivables from third parties
Lain-lain 14.016.665 19.296.564 Others
103.819.813 102.279.016
Dikurangi: Less:
Cadangan kerugian penurunan nilai (12.356.770) (14.323.476) Allowance for impairment losses
Jumlah 91.463.043 87.955.540 Total
Uang jaminan merupakan uang yang disetor Security deposits represent deposit pledged as
sebagai jaminan untuk sewa gedung kantor. guarantee for building rental.
Lain-lain terutama terdiri dari tagihan transaksi Others mainly consists of foreign exchange
valuta asing, tagihan biaya administrasi dan transaction, administrative expense transaction and
persediaan barang promosi. promotion inventories.
Mutasi cadangan kerugian penurunan nilai untuk The changes in allowance for impairment losses of
aset lain-lain adalah sebagai berikut: other assets are as follows:
31 Desember/December 31,
2023 2022
Saldo awal 14.323.476 13.017.686 Beginning balance
Penambahan/(Pengurangan) Addition/(deduction)
selama tahun berjalan (1.966.706) 1.305.790 during the year
Saldo akhir 12.356.770 14.323.476 Ending balance
Manajemen berpendapat bahwa cadangan kerugian Management believes that the allowance for
penurunan nilai yang telah dibentuk cukup untuk impairment losses is adequate to cover possible
menutup kemungkinan kerugian atas aset lain-lain. losses from other assets.
98
Page 572
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
18. SIMPANAN NASABAH 18. DEPOSITS FROM CUSTOMERS
Semua simpanan nasabah dalam mata uang Rupiah All deposits from customers in Rupiah and foreign
dan mata uang asing, terdiri dari: currency, consist of:
31 Desember/December 31,
2023 2022
Rupiah Rupiah
Negotiable Certificate Deposits 440.000.000 220.000.000 Negotiable Certificate Deposit
Dikurangi: Less:
Diskonto (42.800.790) (7.978.260) Discount
Beban emisi yang belum diamortisasi (2.890.637) (1.180.843) Unamortized issuance cost
Deposito berjangka 16.044.264.144 13.158.803.446 Time deposits
Tabungan 2.881.781.337 3.148.224.256 Savings deposits
Giro 2.417.884.361 2.318.053.678 Demand deposits
Sub jumlah 21.738.238.415 18.835.922.277 Sub total
Mata uang asing Foreign currency
Deposito berjangka 624.320.546 470.087.691 Time deposits
Giro 66.621.531 65.827.669 Demand deposits
Sub jumlah 690.942.077 535.915.360 Sub total
Jumlah 22.429.180.492 19.371.837.637 Total
Simpanan nasabah dalam mata uang asing adalah All deposits from customers in foreign currency are
Dolar Amerika Serikat, Dolar Singapura, Euro denominated in United States Dollar, Singapore
Eropa, dan Yen Jepang. Dollar, European Euro, and Japanese Yen.
a. Giro a. Demand Deposits
i. Berdasarkan pihak lawan i. By counterparties
31 Desember/December 31,
2023 2022
Pihak berelasi 652.841.415 246.769.560 Related parties
Pihak ketiga 1.831.664.477 2.137.111.787 Third parties
Jumlah 2.484.505.892 2.383.881.347 Total
ii. Berdasarkan mata uang ii. By currency
31 Desember/December 31,
2023 2022
Rupiah 2.417.884.361 2.318.053.678 Rupiah
Dolar Amerika 60.590.713 60.167.684 United States Dollar
Yen Jepang 2.576.994 2.391.190 Japanese Yen
Dolar Singapura 1.902.282 398.745 Singapore Dollar
Euro Eropa 1.551.542 2.870.050 European Euro
Jumlah 2.484.505.892 2.383.881.347 Total
99
Page 573
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
18. SIMPANAN NASABAH (lanjutan) 18. DEPOSITS FROM CUSTOMERS (continued)
a. Giro (lanjutan) a. Demand Deposits (continued)
Giro yang dijadikan sebagai jaminan tunai atas Demand deposits amounting to
pinjaman yang diberikan pada tanggal Rp320,546,300 and Rp118,115,313
31 Desember 2023 dan 2022 masing-masing pledged as collateral or blocked as of
sebesar Rp320.546.300 dan Rp118.115.313 December 31, 2023 and 2022, respectively
(Catatan 11). (Note 11).
b. Tabungan b. Savings deposits
Berdasarkan pihak lawan By counterparties
31 Desember/December 31,
2023 2022
Rupiah Rupiah
Pihak ketiga 2.853.784.424 3.093.821.476 Third parties
Pihak berelasi 27.996.913 54.402.780 Related parties
Jumlah 2.881.781.337 3.148.224.256 Total
Tabungan yang dijadikan sebagai jaminan tunai Saving deposits amounting to Rp149,000,000
atas pinjaman yang diberikan pada tanggal and RpNil pledged as collateral or blocked as of
31 Desember 2023 dan 2022 masing-masing December 31, 2023 and 2022, respectively
sebesar Rp149.150.000 dan RpNihil (Catatan (Note 11).
11).
c. Deposito berjangka c. Time deposits
(i) Berdasarkan pihak lawan (i) By counterparties
31 Desember/December 31,
2023 2022
Pihak ketiga 16.049.699.818 13.544.452.999 Third parties
Pihak berelasi 618.884.872 84.438.138 Related parties
Jumlah 16.668.584.690 13.628.891.137 Total
(ii) Berdasarkan mata uang (ii) By currency
31 Desember/December 31,
2023 2022
Rupiah 16.044.264.144 13.158.803.446 Rupiah
Dolar Amerika 624.320.546 470.087.691 United States Dollar
Jumlah 16.668.584.690 13.628.891.137 Total
(iii) Berdasarkan periode (iii) By period
31 Desember/December 31,
2023 2022
1 bulan 7.144.058.086 6.310.057.619 1 month
3 bulan 4.512.705.040 3.237.056.658 3 months
6 bulan 3.608.059.929 2.885.771.283 6 months
12 bulan 1.403.761.635 1.196.005.577 12 months
Jumlah 16.668.584.690 13.628.891.137 Total
100
Page 574
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
18. SIMPANAN NASABAH (lanjutan) 18. DEPOSITS FROM CUSTOMERS (continued)
c. Deposito berjangka (lanjutan) c. Time deposits (continued)
(iv) Berdasarkan sisa umur sampai dengan (iv) By remaining period until maturity
jatuh tempo
31 Desember/December 31,
2023 2022
Kurang dari 1 bulan 8.757.247.243 7.383.867.327 Less than 1 month
1 sampai dengan 3 bulan 4.371.648.337 3.515.512.381 1 up to 3 months
3 sampai dengan 6 bulan 2.680.083.163 1.793.418.376 3 up to 6 months
6 sampai dengan 12 bulan 859.605.947 936.093.053 6 up to 12 months
Jumlah 16.668.584.690 13.628.891.137 Total
Deposito berjangka yang dijadikan Time deposits which are pledged as
sebagai jaminan tunai atas pinjaman yang collateral on loans as of December 31, 2023
diberikan pada tanggal 31 Desember 2023 and 2022 amounted to Rp1,719,715,512 and
dan 2022 masing-masing adalah sebesar Rp707,564,744, respectively (Note 11).
Rp1.719.715.512 dan Rp707.564.744
(Catatan 11).
Informasi mengenai tingkat suku bunga Informations respect to interest rate are
diungkapkan pada Catatan 45. disclosed in Note 45.
d. Negotiable Certificate Deposits d. Negotiable Certificate Deposits
31 Desember/December 31,
2023 2022
Pihak ketiga Third parties
Negotiable Certificate Deposits 329.600.000 218.200.000 Negotiable Certificate Deposit
Dikurangi : Less:
Diskonto (31.372.904) (7.904.752) Discount
Beban emisi yang belum diamortisasi (2.165.350) (1.171.182) Unamortized issuance cost
Sub jumlah 296.061.746 209.124.066 Sub total
Pihak berelasi Related parties
Negotiable Certificate Deposits 110.400.000 1.800.000 Negotiable Certificate Deposit
Dikurangi : Less:
Diskonto (11.427.886) (73.508) Discount
Beban emisi yang belum diamortisasi (725.287) (9.661) Unamortized issuance cost
Sub jumlah 98.246.827 1.716.831 Sub total
Jumlah 394.308.573 210.840.897 Total
Bank melakukan penerbitan Negotiable The bank issues a Negotiable Certificate of
Certificate of Deposit (NCD) pada tanggal Deposit (NCD) on September 5, 2023,
5 September 2023 sebesar Rp440.000.000 amounting to Rp440,000,000 which is divided
yang terbagi dua seri, yaitu seri A dengan nilai into two series, namely series A with a value of
sebesar Rp50.000.000 dengan suku bunga Rp50,000,000 with an interest rate of 6.5% and
6,5% dan jatuh tempo pada tanggal due on September 5, 2024, and series B with a
5 September 2024 dan seri B dengan nilai value of Rp390,000,000 with an interest rate of
sebesar Rp390.000.000 dengan suku bunga 7% and due on September 5, 2025.
7% dan jatuh tempo pada tanggal 5 September
2025.
101
Page 575
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
18. SIMPANAN NASABAH (lanjutan) 18. DEPOSITS FROM CUSTOMERS (continued)
d. Negotiable Certificate Deposits (lanjutan) d. Negotiable Certificate Deposits (continued)
Bank melakukan penerbitan Negotiable Bank has issued a Negotiable Certificate of
Certificate of Deposit (NCD) pada tanggal Deposit (NCD) on September 1, 2022 amounting
1 September 2022 sebesar Rp220.000.000 to Rp220,000,000 which was divided into two
yang terbagi dua seri, yaitu seri A dengan nilai series, namely series A with an interest value of
sebesar Rp60.000.000 dengan suku bunga 6% Rp60,000,000 with an interest rate of 6% and
dan jatuh tempo pada tanggal 1 Juni 2023 dan due on June 1, 2023 and series B with a value of
seri B dengan nilai sebesar Rp160.000.000 amounting to Rp160,000,000 with an interest
dengan suku bunga 6,5% dan jatuh tempo pada rate of 6.5% and due on August 30, 2023.
tanggal 30 Agustus 2023.
Negotiable Certificate of Deposit (NCD) yang Negotiable Certificate of Deposit (NCD) which
dijadikan sebagai jaminan tunai atas pinjaman are pledged as collateral on loans as of
yang diberikan pada tanggal 31 Desember 2023 December 31, 2023 and 2022 amounted to
dan 2022 masing-masing adalah sebesar Rp116,900,000 and RpNil, respectively (Note
Rp116.900.000 dan RpNihil (Catatan 11). 11).
19. SIMPANAN DARI BANK LAIN 19. DEPOSITS FROM OTHER BANKS
Semua simpanan dari bank lain adalah dalam mata All deposits from other banks are denominated in
uang Rupiah dan terdiri dari: Rupiah and consist of:
31 Desember/December 31,
2023 2022
Call money 792.000.000 1.030.000.000 Call money
Giro 219.401.707 224.055.952 Demand deposits
Deposito berjangka 49.531.350 46.454.518 Time deposits
Tabungan 41.963.642 31.442.150 Savings deposits
Deposito on call 1.906.660 3.000.000 Deposits on call
Jumlah 1.104.803.359 1.334.952.620 Total
a. Call money a. Call money
(i) Berdasarkan pihak lawan (i) By counterparties
31 Desember/December 31,
2023 2022
Pihak ketiga Third parties
PT Bank Pembangunan PT Bank Pembangunan Daerah
Daerah Sulawesi Sulawesi Selatan dan
Selatan dan Tengah 220.000.000 285.000.000 Tengah
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Kaltim 200.000.000 95.000.000 Kaltim
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Daerah Istimewa Yogyakarta 150.000.000 100.000.000 Daerah Istimewa Yogyakarta
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Maluku 100.000.000 - Maluku
PT Bank Ina Perdana Tbk 100.000.000 - PT Bank Ina Perdana Tbk
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Jawa Timur Tbk 22.000.000 - Jawa Timur Tbk
PT Bank Panin Tbk - 200.000.000 PT Bank Panin Tbk
PT Bank Jtrust Tbk - 100.000.000 PT Bank Jtrust Tbk
PT Bank IBK Indonesia Tbk - 100.000.000 PT Bank IBK Indonesia Tbk
PT Bank Sinarmas - 50.000.000 PT Bank Sinarmas
PT Bank Seabank Indonesia - 50.000.000 PT Bank Seabank Indonesia
PT Bank Capital Indonesia Tbk - 50.000.000 PT Bank Capital Indonesia Tbk
Jumlah 792.000.000 1.030.000.000 Total
102
Page 576
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
19. SIMPANAN DARI BANK LAIN (lanjutan) 19. DEPOSITS FROM OTHER BANKS (continued)
a. Call money (lanjutan) a. Call money (continued)
(ii) Berdasarkan periode (ii) By period
31 Desember/December 31,
2023 2022
Kurang dari 1 bulan 792.000.000 1.030.000.000 Less than 1 month
Jumlah 792.000.000 1.030.000.000 Total
b. Deposito berjangka b. Time deposits
(i) Berdasarkan pihak lawan (i) By counterparties
31 Desember/December 31,
2023 2022
Pihak ketiga 49.531.350 46.454.518 Third parties
(ii) Berdasarkan periode (ii) By period
31 Desember/December 31,
2023 2022
1 bulan 22.031.350 24.454.518 1 month
3 bulan 24.500.000 19.000.000 3 months
6 bulan - - 6 months
12 bulan 3.000.000 3.000.000 12 months
Jumlah 49.531.350 46.454.518 Total
(iii) Berdasarkan sisa umur sampai dengan (iii) By remaining period until maturity
jatuh tempo
31 Desember/December 31,
2023 2022
Kurang dari 1 bulan 22.031.350 24.454.518 Less than 1 month
1 sampai dengan 3 bulan 24.500.000 21.000.000 1 up to 3 months
3 sampai dengan 6 bulan 2.000.000 - 3 up to 6 months
6 sampai dengan 12 bulan 1.000.000 1.000.000 6 up to 12 months
Jumlah 49.531.350 46.454.518 Total
c. Giro c. Demand deposits
Berdasarkan pihak lawan By counterparties
31 Desember/December 31,
2023 2022
Pihak berelasi 478.732 167.870 Related party
Pihak ketiga 218.922.975 223.888.082 Third party
Jumlah 219.401.707 224.055.952 Total
Informasi mengenai tingkat suku bunga Informations in respect to interest rates are
diungkapkan pada Catatan 45. disclosed in Note 45.
103
Page 577
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
19. SIMPANAN DARI BANK LAIN (lanjutan) 19. DEPOSITS FROM OTHER BANKS (continued)
d. Tabungan d. Saving deposits
Berdasarkan pihak lawan By counterparties
31 Desember/December 31,
2023 2022
Pihak ketiga 41.963.642 31.442.150 Third parties
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022 there are
tidak terdapat saldo tabungan dari pihak no saving deposits from related parties.
berelasi.
Informasi mengenai tingkat suku bunga Informations in respect to interest rates are
diungkapkan pada Catatan 45. disclosed in Note 45.
20. EFEK-EFEK YANG DIJUAL DENGAN JANJI 20. SECURITIES SOLD UNDER REPURCHASED
DIBELI KEMBALI AGREEMENTS
Efek-efek yang dijual dengan janji dibeli kembali pada The securities sold under repurchased agreements
tanggal 31 Desember 2023 dan 2022 adalah sebagai as of December 31, 2023 and 2022 are as follows:
berikut:
31 Desember / December 31, 2023
Tanggal
Jenis efek/ Nilai Nominal/ Tingkat suku dimulai/ Tanggal jatuh Nilai tercatat/
Pihak lawan/ Type of Notional bunga/ Commencement tempo/ Carrying
Counterparty Securities amount Interest rate date Maturity date amount
20 Desember/ 3 Januari/
Bank Mega FR0070 250.000.000 6,35% December 2023 January 2024 251.618.623
20 Desember/ 3 Januari/
Bank Mega FR0077 250.000.000 6,35% December 2023 January 2024 248.598.483
29 Desember/ 3 Januari/
Ina Perdana FR0081 100.000.000 6,25% December 2023 January 2024 95.366.417
29 Desember/ 3 Januari/
Ina Perdana FR0081 50.000.000 6,25% December 2023 January 2024 47.683.207
650.000.000 643.266.730
31 Desember / December 31, 2022
Tanggal
Jenis efek/ Nilai Nominal/ Tingkat suku dimulai/ Tanggal jatuh Nilai tercatat/
Pihak lawan/ Type of Notional bunga/ Commencement tempo/ Carrying
Counterparty Securities amount Interest rate date Maturity date amount
27 Desember/ 3 Januari/
Ina Perdana FR0082 90.000.000 5,80% December 2022 January 2023 86.066.513
27 Desember/ 3 Januari/
Ina Perdana FR0059 80.000.000 5,80% December 2022 January 2023 76.506.026
27 Desember/ 3 Januari/
Ina Perdana FR0084 80.000.000 5,80% December 2022 January 2023 78.292.621
250.000.000 240.865.160
104
Page 578
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
21. EFEK-EFEK YANG DITERBITKAN 21. SECURITIES ISSUED
31 Desember/December 31,
2023 2022
Obligasi Subordinasi Berkelanjutan I Bank Victoria Subordinated
Bank Victoria Tahap II Tahun 2018 350.000.000 350.000.000 Bonds I Phase II Year 2018
Obligasi Berkelanjutan III Bank Victoria Continuing
Bank Victoria Tahap I Tahun 2023 Seri A 300.000.000 - Bonds III Phase I Year 2023 Series A
Obligasi Subordinasi Berkelanjutan II Bank Victoria Subordinated
Bank Victoria Tahap I Tahun 2019 250.000.000 250.000.000 Bonds II Phase I Year 2019
Obligasi Berkelanjutan III Bank Victoria Continuing
Bank Victoria Tahap I Tahun 2023 Seri B 200.000.000 - Bonds III Phase I Year 2023 Series B
Obligasi Subordinasi Berkelanjutan II Bank Victoria Subordinated
Bank Victoria Tahap II Tahun 2019 150.000.000 150.000.000 Bonds II Phase II Year 2019
Obligasi Subordinasi Berkelanjutan II Bank Victoria Subordinated
Bank Victoria Tahap III Tahun 2020 60.000.000 60.000.000 Bonds II Phase III Year 2020
Obligasi Subordinasi Berkelanjutan I Bank Victoria Subordinated
Bank Victoria Tahap I Tahun 2017 50.000.000 50.000.000 Bonds I Phase I Year 2017
Obligasi Berkelanjutan I Bank Victoria Continuing
Bank Victoria Tahap II Tahun 2018 Bonds I Phase II Year 2018
Seri B - 200.000.000 Series B
Jumlah 1.360.000.000 1.060.000.000 Total
Dikurangi: Biaya emisi yang Less: Unamortised
belum diamortisasi (12.360.472) (8.096.448) issuance cost
Jumlah - bersih 1.347.639.528 1.051.903.552 Total - net
Obligasi Berkelanjutan III Bank Victoria Tahap I Bank Victoria Continuing Bonds III Phase I Year
Tahun 2023 2023
Pada tanggal 10 Maret 2023, Bank menerbitkan On March 10, 2023, the Bank issued Bank Victoria
Obligasi Berkelanjutan III Bank Victoria Tahap I Continuing Bonds III Phase I Year 2023 amounting
Tahun 2023 sebesar Rp500.000.000. to Rp500,000,000.
Obligasi Berkelanjutan III Bank Victoria Tahap I Bank Victoria Continuing Bonds III Phase I Year
Tahun 2023 terdiri dari 2 (dua) seri Obligasi, yaitu 2023 consists of 2 (two) series of Bonds:
sebagai berikut:
Seri A dengan jumlah Pokok Obligasi sebesar Series A amounted to Rp300,000,000 with fixed
Rp300.000.000 dengan tingkat suku bunga rate of 9.25% per annum, tenor 3 (three) years
tetap sebesar 9,25% per tahun, berjangka since Emission Date.
waktu 3 (tiga) tahun sejak Tanggal Emisi.
Seri B dengan jumlah Pokok Obligasi sebesar Series B amounted to Rp200,000,000 with fixed
Rp200.000.000 dengan tingkat bunga tetap rate of 10.25% per annum, tenor 5 (five) years
sebesar 10,25% per tahun, berjangka waktu since Emission Date.
5 (lima) tahun sejak Tanggal Emisi.
Bunga obligasi dibayarkan setiap 3 (tiga) bulan Interest of the bond paid every 3 (three) months
sekali. Pembayaran bunga obligasi pertama starting from June 9, 2023 for the first payment
dilakukan pada tanggal 9 Juni 2023 sedangkan whereas the last payment will be at the maturity
pembayaran bunga Obligasi terakhir akan dilakukan date of each Bonds, which on March 9, 2026 for
pada tanggal jatuh tempo masing-masing seri Bonds Series A and on March 9, 2028 for Bonds
Obligasi yaitu pada tanggal 9 Maret 2026 untuk Series B.
Obligasi Seri A dan 9 Maret 2028 untuk Obligasi
Seri B.
105
Page 579
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
21. EFEK-EFEK YANG DITERBITKAN (lanjutan) 21. SECURITIES ISSUED (continued)
Obligasi Berkelanjutan III Bank Victoria Tahap I Bank Victoria Continuing Bonds III Phase I Year
Tahun 2023 (lanjutan) 2023 (continued)
Berdasarkan pemeringkatan yang dilaksanakan Based on the ranking carried out by
oleh Pefindo sesuai dengan Surat Pefindo in accordance with Letter
No.RC-1230/PEF-DIR/XII/2022 tanggal 26 No.RC-1230/PEF-DIR/XII/2022 dated December 26,
Desember 2022 tentang Sertifikat Pemeringkatan 2022, regarding the Rating Certificate for the third
atas Obligasi Berkelanjutan III Bank Victoria Tahun phase of Bank Victoria Continuing Bonds Year
2023 periode 26 Desember 2022 sampai dengan 1 2023, for the period of December 26, 2022, to
Desember 2023, hasil pemeringkatan atas Obligasi December 1, 2023, the result of the ranking for the
Berkelanjutan III Bank Victoria Tahap I Tahun 2023 first phase of Bank Victoria Continuing Bonds III for
adalah idA-. 2023 is idA-.
Pada tanggal 31 Desember 2023, peringkat Obligasi As of December 31, 2023, the rating of the Bank
Berkelanjutan III Bank Victoria Tahap I Tahun 2023 Victoria Continuing Bonds III Phase I Year 2023
menurut Pefindo adalah idA-. based on Pefindo was idA-.
Obligasi dan obligasi subordinasi tersebut di atas The above bonds and subordinated bonds are
tidak dijamin dengan suatu agunan khusus dan tidak unsecured by a specific collateral and by third
dijamin oleh pihak ketiga manapun dan tidak parties and are excluded from the Government
termasuk dalam Program Jaminan Pemerintah Guarantee to Certain Liabilities of Commercial
Terhadap Liabilitas Pembayaran Bank Umum. Banks Program.
Selaku Wali Amanat dari penerbitan obligasi ini The Trustee of the bond issuance is PT Bank Mega
adalah PT Bank Mega Tbk. Tbk.
Tidak terdapat pelanggaran atas pembatasan There was no violation to the covenant of bonds and
perjanjian perwaliamanatan obligasi dan obligasi subordinated bonds trusteeship agreement as of
subordinasi pada tanggal 31 Desember 2023 dan December 31, 2023 and 2022.
2022.
Obligasi Subordinasi Berkelanjutan II Bank Victoria Bank Victoria Subordinated Bonds II Phase III Year
Tahap III Tahun 2020 2020
Pada tanggal 13 Maret 2020 Bank menerbitkan On March 13, 2020, the Bank issued Bank Victoria
Obligasi Subordinasi Berkelanjutan II Bank Victoria Subordinated Bonds II Phase III Year 2020 with
Tahap III Tahun 2020 dengan jumlah pokok a principal amount up to Rp60,000,000.
sebanyak-banyaknya sebesar Rp60.000.000.
Obligasi Subordinasi Berkelanjutan II Bank Victoria Bank Victoria Subordinated Bonds II Phase III Year
Tahap III Tahun 2020 memiliki tingkat suku bunga 2020 has fixed rate of 11.25% per annum, and the
tetap sebesar 11,25% per tahun yang akan interest will be paid every 3 (three) months starting
dibayarkan setiap 3 (tiga) bulan. Pembayaran bunga from July 1, 2020 for the first payment whereas the
Obligasi Subordinasi pertama dilakukan pada last payment will be on April 1, 2027, at the maturity
tanggal 1 Juli 2020, sedangkan pembayaran bunga date of the Bond.
Obligasi Subordinasi terakhir akan dilakukan pada
tanggal jatuh tempo Obligasi Subordinasi yaitu pada
tanggal 1 April 2027.
106
Page 580
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
21. EFEK-EFEK YANG DITERBITKAN (lanjutan) 21. SECURITIES ISSUED (continued)
Obligasi Subordinasi Berkelanjutan II Bank Victoria Bank Victoria Subordinated Bonds II Phase III Year
Tahap III Tahun 2020 (lanjutan) 2020 (continued)
Berdasarkan hasil pemeringkatan surat utang jangka Based on the results of the rating for long-term debt
panjang sesuai dengan surat PT Pemeringkat Efek securities in accordance with PT Pemeringkat Efek
Indonesia (Pefindo) No. RC-329/PEF-DIR/IV/2019 Indonesia (Pefindo) letter No. RC-329/PEF-
tanggal 4 April 2019 tentang Sertifikat DIR/IV/2019 dated April 4, 2019 regarding a Rating
Pemeringkatan Obligasi Subordinasi Berkelanjutan Certificate for Continuous Subordinated Bond II of
II dari PT Bank Victoria International Tbk sejak PT Bank Victoria International Tbk from April 4,
4 April 2019 sampai dengan 1 April 2020, 2019 to April 1, 2020, as well as the confirmation
serta konfirmasi sesuai dengan surat Pefindo according to Pefindo letter No. RTG-020/PEF-
No. RTG-020/PEF-DIR/II/2020 tanggal 4 Februari DIR/II/2020 dated February 4, 2020 regarding the
2020 perihal Sertifikat Pemeringkatan Obligasi Rating Certificate for Continuous Subordinated
Subordinasi Berkelanjutan II Tahap III yang Bonds II Phase III issued through the PUB
diterbitkan melalui rencana Penawaran Umum Continuous Public Offering plan, the rating results of
Berkelanjutan PUB, hasil pemeringkatan Obligasi the Subordinated Bonds are idBBB.
Subordinasi adalah idBBB.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the rating of the
peringkat Obligasi Subordinasi Berkelanjutan II Bank Bank Victoria Subordinated Bonds II Phase III Year
Victoria Tahap III Tahun 2020 menurut Pefindo 2020 based on Pefindo was idBBB.
adalah idBBB.
Obligasi subordinasi di atas tidak dijamin dengan The subordinated bonds is unsecured by a specific
suatu agunan khusus dan tidak dijamin oleh pihak collateral and by third parties and are excluded from
ketiga manapun dan tidak termasuk dalam Program the Government Guarantee to Certain Liabilities of
Jaminan Pemerintah Terhadap Liabilitas Commercial Banks Program.
Pembayaran Bank Umum.
Selaku Wali Amanat dari penerbitan obligasi The Trustee of the bond issuance is PT Bank Mega
subordinasi ini adalah PT Bank Mega Tbk. Tidak Tbk. There was no violation to the covenant of
terdapat pelanggaran atas pembatasan perjanjian bonds and subordinated bonds trusteeship
perwaliamanatan obligasi dan obligasi subordinasi agreement as of December 31, 2023 and 2022.
pada tanggal 31 Desember 2023 dan 2022.
Obligasi Subordinasi Berkelanjutan II Bank Victoria Bank Victoria Subordinated Bonds II Phase II Year
Tahap II Tahun 2019 2019
Pada tanggal 8 November 2019, Bank menerbitkan On November 8, 2019, the Bank issued Bank
Obligasi Subordinasi Berkelanjutan II Bank Victoria Victoria Subordinated Bonds II Phase II Year 2019
Tahap II Tahun 2019 sebesar Rp150.000.000. amounting Rp150,000,000.
Obligasi Subordinasi Berkelanjutan II Bank Victoria Bank Victoria Subordinated Bonds II Phase II Year
Tahap II Tahun 2019 memiliki tingkat suku bunga 2019 has fixed rate of 11.25% per annum, and the
tetap sebesar 11,25% per tahun yang akan interest will be paid every 3 (three) months starting
dibayarkan setiap 3 (tiga) bulan. Pembayaran bunga from February 8, 2020 for the first payment whereas
Obligasi Subordinasi pertama dilakukan pada the last payment will be on November 8, 2026, at
tanggal 8 Februari 2020, sedangkan pembayaran the maturity date of the Bond.
bunga Obligasi Subordinasi terakhir akan dilakukan
pada tanggal jatuh tempo Obligasi Subordinasi yaitu
pada tanggal 8 November 2026.
107
Page 581
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
21. EFEK-EFEK YANG DITERBITKAN (lanjutan) 21. SECURITIES ISSUED (continued)
Obligasi Subordinasi Berkelanjutan II Bank Victoria Bank Victoria Subordinated Bonds II Phase II Year
Tahap II Tahun 2019 (lanjutan) 2019 (continued)
Berdasarkan Surat Keterangan PT Pemeringkat Based on the letter issued by PT Pemeringkat Efek
Efek Indonesia (“Pefindo”) No. RTG-129/PEF- Indonesia (“Pefindo”) No. RTG-129/PEF-
DIR/IX/2019 tanggal 26 September 2019 berlaku DIR/IX/2019 dated September 26, 2019 apply rating
peringkat sebagaimana tercantum pada Sertifikat as stated on Rating Certificate PT Pemeringkat Efek
Pemeringkatan PT Pemeringkat Efek Indonesia Indonesia No. RC-329/PEF-DIR/IV/2019 dated April
No. RC-329/PEF-DIR/IV/2019 tanggal 4 April 2019 4, 2019 which was idBBB on Bank Victoria
yaitu peringkat idBBB pada Obligasi Subordinasi Subordinated Bonds II Phase II Year 2019.
Berkelanjutan II Bank Victoria Tahap II Tahun 2019.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the rating of the
peringkat Obligasi Subordinasi Berkelanjutan II Bank Bank Victoria Subordinated Bonds II Phase II Year
Victoria Tahap II Tahun 2019 menurut Pefindo 2019 based on Pefindo was idBBB.
adalah idBBB.
Obligasi subordinasi tersebut di atas tidak dijamin The above bond is unsecured by a specific collateral
dengan suatu agunan khusus dan tidak dijamin oleh and by third parties and are excluded from the
pihak ketiga manapun dan tidak termasuk dalam Government Guarantee to Certain Liabilities of
Program Jaminan Pemerintah Terhadap Liabilitas Commercial Banks Program.
Pembayaran Bank Umum.
Selaku Wali Amanat dari penerbitan obligasi The Trustee of the bond issuance is PT Bank Mega
subordinasi ini adalah PT Bank Mega Tbk. Tidak Tbk. There was no violation to the covenant of the
terdapat pelanggaran atas pembatasan perjanjian subordinated bonds trusteeship agreement as of
perwaliamanatan obligasi subordinasi pada tanggal December 31, 2023 and 2022.
31 Desember 2023 dan 2022.
Obligasi Berkelanjutan II Bank Victoria Tahap I Bank Victoria Continuing Bonds II Phase I Year
Tahun 2019 dan Obligasi Subordinasi Berkelanjutan 2019 and Subordinated Bonds II Phase I Year 2019
II Bank Victoria Tahap I Tahun 2019
Pada tanggal 28 September 2019, Bank On September 28, 2019, the Bank issued Bank
menerbitkan Obligasi Berkelanjutan II Bank Victoria Victoria Continuing Bonds II Phase I Year 2019 and
Tahap I Tahun 2019 dan Obligasi Subordinasi Subordinated Bonds II Phase I Year 2019
Berkelanjutan II Bank Victoria Tahap I Tahun 2019 amounting to Rp100,000,000 and Rp250,000,000,
masing-masing sebesar Rp100.000.000 dan respectively.
Rp250.000.000.
Obligasi Berkelanjutan II Bank Victoria Tahap I Bank Victoria Continuing Bonds II Phase I Year
Tahun 2019 diterbitkan dengan tingkat suku bunga 2019 issued with fixed rate of 9.75% per annum,
tetap sebesar 9,75% per tahun, berjangka waktu with tenor 2 (two) years since Emission Date.
2 (dua) tahun sejak Tanggal Emisi.
Bunga obligasi dibayarkan setiap 3 (tiga) bulan Interest on the bonds will be paid every 3 (three)
sekali terhitung sejak Tanggal Emisi. Pembayaran months starting from Emission Date. The first
Bunga Obligasi pertama dilakukan pada tanggal payment was on September 28, 2019 whereas the
28 September 2019, sedangkan pembayaran Bunga last payment will be on September 28, 2021, at the
obligasi terakhir akan dilakukan pada tanggal jatuh maturity date of the Bond.
tempo obligasi yaitu pada tanggal 28 September
2021.
108
Page 582
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
21. EFEK-EFEK YANG DITERBITKAN (lanjutan) 21. SECURITIES ISSUED (continued)
Obligasi Berkelanjutan II Bank Victoria Tahap I Bank Victoria Continuing Bonds II Phase I Year
Tahun 2019 dan Obligasi Subordinasi Berkelanjutan 2019 and Subordinated Bonds II Phase I Year 2019
II Bank Victoria Tahap I Tahun 2019 (lanjutan) (continued)
Obligasi Subordinasi Berkelanjutan II Bank Victoria Bank Victoria Subordinated Bonds II Phase I Year
Tahap I Tahun 2019 memiliki tingkat suku bunga 2019 has fixed rate of 11.75% per annum, and the
tetap sebesar 11,75% per tahun yang akan interest will be paid every 3 (three) months. The first
dibayarkan setiap 3 (tiga) bulan. Pembayaran Bunga payment was on September 28, 2019, whereas the
Obligasi Subordinasi pertama dilakukan pada last payment will be on June 28, 2026, at the
tanggal 28 September 2019, sedangkan maturity date of the Bond.
pembayaran Bunga Obligasi Subordinasi terakhir
akan dilakukan pada tanggal jatuh tempo Obligasi
Subordinasi yaitu pada tanggal 28 Juni 2026.
Berdasarkan Sertifikat Pemeringkatan Based on the report issued by
Pefindo No. RC-328/PEF-DIR/IV/2019 dan Pefindo No. RC-328/PEF-DIR/IV/2019 and
No. RC-329/PEF-DIR/IV/2019 tanggal 4 April 2019, No. RC-329/PEF-DIR/IV/2019 dated April 4, 2019,
memutuskan memberikan peringkat idA- terhadap the rating of Bank Victoria Continuing Bonds II
Obligasi Berkelanjutan II Bank Victoria Tahap I Phase I Year 2019 is idA-, and the rating of
Tahun 2019 serta memberikan peringkat idBBB Subordinated Bonds II Phase I Year 2019 is idBBB.
pada Obligasi Subordinasi Berkelanjutan II Bank
Victoria Tahap I Tahun 2019.
Pada tanggal 31 Desember 2021, peringkat Obligasi As of December 31, 2021, the rating of the Bank
Berkelanjutan II Bank Victoria Tahap I Tahun 2019 Victoria Continuing Bonds II Phase I Year 2019
menurut Pefindo adalah idA-. based on Pefindo was idA-.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the rating of the
peringkat Obligasi Subordinasi Berkelanjutan II Bank Bank Victoria Subordinated Bonds II Phase I Year
Victoria Tahap I Tahun 2019 menurut Pefindo 2019 based on Pefindo was idBBB.
adalah idBBB.
Obligasi dan obligasi subordinasi tersebut di atas The above bonds and subordinated bonds are
tidak dijamin dengan suatu agunan khusus dan tidak unsecured by a specific collateral and by third
dijamin oleh pihak ketiga manapun dan tidak parties and are excluded from the Government
termasuk dalam Program Jaminan Pemerintah Guarantee to Certain Liabilities of Commercial
Terhadap Liabilitas Pembayaran Bank Umum. Banks Program.
Selaku Wali Amanat dari penerbitan obligasi dan The Trustee of the bonds and subordinated bonds
obligasi subordinasi ini adalah PT Bank Mega Tbk. issuance is PT Bank Mega Tbk.
Tidak terdapat pelanggaran atas pembatasan There was no violation to the covenant of the bonds
perjanjian perwaliamanatan obligasi dan obligasi and subordinated bonds trusteeship agreement as
subordinasi pada tanggal 31 Desember 2023 dan of December 31, 2023 and 2022.
2022.
Pada tanggal 5 September 2018, Bank menerbitkan On September 5, 2018, the Bank issued Bank
Obligasi Berkelanjutan I Bank Victoria Tahap II Victoria Continuing Bonds I Phase II Year 2018 and
Tahun 2018 dan Obligasi Subordinasi Berkelanjutan Bank Victoria Subordinated Bonds I Phase II Year
I Bank Victoria Tahap II Tahun 2018 masing-masing 2018 amounting to Rp300,000,000 and
sebesar Rp300.000.000 dan Rp350.000.000. Rp350,000,000, respectively.
109
Page 583
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
21. EFEK-EFEK YANG DITERBITKAN (lanjutan) 21. SECURITIES ISSUED (continued)
Obligasi Berkelanjutan I Bank Victoria Tahap II Bank Victoria Continuing Bonds I Phase II Year
Tahun 2018 dan Obligasi Subordinasi Berkelanjutan 2018 and Subordinated Bonds I Phase II Year 2018
I Bank Victoria Tahap II 2018
Obligasi Berkelanjutan I Bank Victoria Tahap II Bank Victoria Continuing Bonds I Phase II Year
Tahun 2018 terdiri dari 2 (dua) seri Obligasi, yaitu 2018 consists of 2 (two) series of Bonds:
sebagai berikut:
Seri A dengan jumlah Pokok Obligasi sebesar Series A amounted to Rp100,000,000 with fixed
Rp100.000.000 dengan tingkat suku bunga rate of 9.70% per annum, tenor 3 (three) years
tetap sebesar 9,70% per tahun, berjangka since Emission Date.
waktu 3 (tiga) tahun sejak Tanggal Emisi.
Seri B dengan jumlah Pokok Obligasi sebesar Series B amounted to Rp200,000,000 with fixed
Rp200.000.000 dengan tingkat bunga tetap rate of 10.30% per annum, tenor 5 (five) years
sebesar 10,30% per tahun, berjangka waktu since Emission Date.
5 (lima) tahun sejak Tanggal Emisi.
Bunga obligasi dibayarkan setiap 3 (tiga) bulan Interest of the bond paid every 3 (three) months
sekali. Pembayaran bunga obligasi pertama starting from September 5, 2018 for the first
dilakukan pada tanggal 5 September 2018 payment whereas the last payment will be at the
sedangkan pembayaran bunga Obligasi terakhir maturity date of each Bonds, which on September 5,
akan dilakukan pada tanggal jatuh tempo masing- 2021 for Bonds Series A and on September 5, 2023
masing seri Obligasi yaitu pada tanggal for Bonds Series B.
5 September 2021 untuk Obligasi Seri A dan
5 September 2023 untuk Obligasi Seri B.
Obligasi Subordinasi Berkelanjutan I Bank Victoria Bank Victoria Subordinated Bonds I Phase II Year
Tahap II Tahun 2018 memiliki tingkat suku bunga 2018 has fixed rate of 11.00% per annum, and the
tetap sebesar 11,00% per tahun yang akan interest will be paid every 3 (three) months. The first
dibayarkan setiap 3 (tiga) bulan. Pembayaran Bunga payment was on September 5, 2018 whereas the
Obligasi Subordinasi pertama dilakukan pada last payment will be on June 5, 2025, at the maturity
tanggal 5 September 2018, sedangkan pembayaran date of the Bonds and Subordinated Bonds.
Bunga Obligasi Subordinasi terakhir akan dilakukan
pada tanggal jatuh tempo Obligasi Subordinasi yaitu
pada tanggal 5 Juni 2025.
Berdasarkan surat keterangan yang diberikan oleh Based on the letter issued by Pefindo
Pefindo No. 031/PEWF-DIR/IV/2018 pada 2 April No. 031/PEWF-DIR/IV/2018 dated April 2, 2018, the
2018, keterangan terkait pemeringkatan atas details related to the rating of Bank Victoria
Obligasi Berkelanjutan I Bank Victoria Tahap II Continuing Bonds I Phase II Year 2018 and Bank
Tahun 2018 dan Obligasi Subordinasi Berkelanjutan Victoria Subordinated Bonds I Phase II Year 2018
I Bank Victoria Tahap II Tahun 2018 yang diterbitkan which was issued through Share Registration Public
melalui rencana Penawaran Umum Berkelanjutan Offering (PUB) were available in the Rating
(PUB) terdapat pada surat Sertifikat Pemeringkatan Certificate No. 369/PEF-DIR/IV/2018 dated April 2,
No. 369/PEF-DIR/IV/2018 tanggal 2 April 2018 2018 regarding the reassessment of Bank Victoria
atas penetapan kembali peringkat Obligasi Continuing Bonds I Phase I Year 2017 rating,
Berkelanjutan I Bank Victoria Tahap I Tahun 2017 including the assessment of Bank Victoria
yang juga merupakan pemeringkatan atas Obligasi Continuing Bonds I Phase II Year 2018 rating which
Berkelanjutan I Bank Victoria Tahap II Tahun 2018 was idA- and in the Rating Certificate
(berdasarkan pemantauan atas Obligasi No. 370/PEF-DIR/IV/2018 dated April 2, 2018
Berkelanjutan I Tahun 2017) yakni idA- dan pada regarding the reassessment of Bank Victoria
surat Sertifikat Pemeringkatan No. 370/PEF- Subordinated Bonds I Phase I Year 2017, including
DIR/IV/2018 tanggal 2 April 2018 atas Obligasi the assessment of Bank Victoria Subordinated
Subordinasi Berkelanjutan I Bank Victoria Tahap I Bonds I Phase II Year 2018 which was idBBB.
2017 yang juga merupakan pemeringkatan atas
Obligasi Subordinasi Berkelanjutan I Bank Victoria
Tahap II 2018 yakni idBBB.
110
Page 584
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
21. EFEK-EFEK YANG DITERBITKAN (lanjutan) 21. SECURITIES ISSUED (continued)
Obligasi Berkelanjutan I Bank Victoria Tahap II Bank Victoria Continuing Bonds I Phase II Year
Tahun 2018 dan Obligasi Subordinasi Berkelanjutan 2018 and Subordinated Bonds I Phase II Year 2018
I Bank Victoria Tahap II 2018 (lanjutan) (continued)
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the rating of the
peringkat Obligasi Berkelanjutan I Bank Victoria Bank Victoria Continuing Bonds I Phase II Year
Tahap II Tahun 2018 menurut Pefindo adalah idA-. 2018 based on Pefindo was idA-.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the rating of the
peringkat Obligasi Subordinasi Berkelanjutan I Bank Bank Victoria Subordinated Bonds I Phase II Year
Victoria Tahap II 2018 menurut Pefindo adalah 2018 based Pefindo was idBBB.
idBBB.
Obligasi dan obligasi subordinasi tersebut di atas The above bonds and subordinated bonds are
tidak dijamin dengan suatu agunan khusus dan tidak unsecured by a specific collateral and by third
dijamin oleh pihak ketiga manapun dan tidak parties and are excluded from the Government
termasuk dalam Program Jaminan Pemerintah Guarantee to Certain Liabilities of Commercial
Terhadap Liabilitas Pembayaran Bank Umum. Banks Program.
Selaku Wali Amanat dari penerbitan ini adalah The Trustee of the bond issuance is PT Bank
PT Bank Mega Tbk. Mega Tbk.
Tidak terdapat pelanggaran atas pembatasan There was no violation to the covenant of bonds and
perjanjian perwaliamanatan obligasi dan obligasi subordinated bonds trusteeship agreement as of
subordinasi pada tanggal 31 Desember 2023 dan December 31, 2023 and 2022.
2022.
Obligasi Berkelanjutan I Bank Victoria Tahap I Bank Victoria Continuing Bonds I Phase I Year 2017
Tahun 2017 dan Obligasi Subordinasi Berkelanjutan and Subordinated Bonds I Phase I Year 2017
I Bank Victoria Tahap I Tahun 2017
Pada tanggal 11 Juli 2017, Bank menerbitkan On July 11, 2017, the Bank issued Bank Victoria
Obligasi Berkelanjutan I Bank Victoria Tahap I Continuing Bonds I Phase I Year 2017 and Bank
Tahun 2017 dan Obligasi Subordinasi Berkelanjutan Victoria Subordinated Bonds I Phase I Year 2017
I Bank Victoria Tahap I Tahun 2017 masing-masing amounting to Rp300,000,000 and
sebesar Rp300.000.000 dan Rp50.000.000. Rp50,000,000, respectively.
Obligasi Berkelanjutan I Bank Victoria Tahap I Bank Victoria Continuing Bonds I Phase I Year 2017
Tahun 2017 memiliki tingkat suku bunga tetap has fixed rate of 10.30% amounted Rp300.000.000
sebesar 10,30% sebesar Rp300.000.000 per tahun, per annum, and the interest will be paid every 3
yang akan dibayarkan setiap 3 (tiga) bulan. (three) months. The first payment was on from
Pembayaran bunga pertama dilakukan pada tanggal October 11, 2017 whereas the last payment
11 Oktober 2017 sedangkan pembayaran bunga matured on July 11, 2022, at the maturity date of the
obligasi terakhir yang sekaligus telah jatuh tempo Bond.
obligasi akan dilakukan pada tanggal 11 Juli 2022.
Obligasi Subordinasi Berkelanjutan I Bank Victoria Bank Victoria Subordinated Bonds I Phase I Year
Tahap I Tahun 2017 memiliki tingkat suku bunga 2017 has fixed rate of 11.00% per annum, and the
tetap sebesar 11,00% per tahun, yang akan interest will be paid every 3 (three) months. The first
dibayarkan setiap 3 (tiga) bulan. Pembayaran bunga payment was on October 11, 2017 whereas the last
pertama dilakukan pada tanggal 11 Oktober 2017 payment will be on July 11, 2024, at the maturity
sedangkan pembayaran bunga obligasi terakhir date of the Bond.
yang sekaligus menjadi tanggal jatuh tempo obligasi
akan dilakukan pada tanggal 11 Juli 2024.
111
Page 585
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
21. EFEK-EFEK YANG DITERBITKAN (lanjutan) 21. SECURITIES ISSUED (continued)
Obligasi Berkelanjutan I Bank Victoria Tahap I Bank Victoria Continuing Bonds I Phase I Year 2017
Tahun 2017 dan Obligasi Subordinasi Berkelanjutan and Subordinated Bonds I Phase I Year 2017
I Bank Victoria Tahap I Tahun 2017 (lanjutan) (continued)
Berdasarkan pemeringkatan yang dilaksanakan Based on the report issued by Pefindo as stated in
oleh Pefindo sesuai dengan Surat its Letter No. 369/PEF-Dir/IV/2018 dated April 2,
No. 369/PEF-Dir/IV/2018 tanggal 2 April 2018, hasil 2018, the rating of Bank Victoria Continuing Bonds I
pemeringkatan atas Obligasi Berkelanjutan I Bank Phase I Year 2017 is idA- and Letter
Victoria Tahap I Tahun 2017 adalah idA- dan Surat No. 370/PEF-Dir/IV/2018 dated April 2, 2018, the
No. 370/PEF-Dir/IV/2018 tanggal 2 April 2018, hasil rating of Bank Victoria Subordinated Bonds I Phase
pemeringkatan atas Obligasi Subordinasi I Year 2017 is idBBB.
Berkelanjutan I Bank Victoria Tahap I Tahun 2017
adalah idBBB.
Pada tanggal 31 Desember 2021, peringkat Obligasi As of December 31, 2021, the rating of the Bank
Berkelanjutan I Bank Victoria Tahap I Tahun 2017 Victoria Continuing Bonds I Phase I Year 2017
menurut Pefindo adalah idA-. based on Pefindo was idA-.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the rating of the
peringkat Obligasi Subordinasi Berkelanjutan I Bank Bank Victoria Subordinated Bonds I Phase I Year
Victoria Tahap I 2017 menurut Pefindo adalah 2017 based on Pefindo was idBBB.
idBBB.
Obligasi dan obligasi subordinasi tersebut di atas The above bonds and subordinated bonds are
tidak dijamin dengan suatu agunan khusus dan tidak unsecured by a specific collateral and by third
dijamin oleh pihak ketiga manapun dan tidak parties and are excluded from the Government
termasuk dalam Program Jaminan Pemerintah Guarantee to Certain Liabilities of Commercial
Terhadap Liabilitas Pembayaran Bank Umum. Banks Program.
Selaku Wali Amanat dari penerbitan obligasi ini The Trustee of the bond issuance is PT Bank Mega
adalah PT Bank Mega Tbk. Tbk.
Tidak terdapat pelanggaran atas pembatasan There was no violation to the covenant of bonds and
perjanjian perwaliamanatan obligasi dan obligasi subordinated bonds trusteeship agreement as of
subordinasi pada tanggal 31 Desember 2023 dan December 31, 2023 and 2022.
2022.
22. PERPAJAKAN 22. TAXATION
a. Utang pajak a. Taxes payable
31 Desember/December 31,
2023 2022
Entitas Induk Parent Company
Pajak penghasilan badan Corporate income tax
Pasal 25 - - Article 25
Pasal 29 - 16.049.378 Article 29
- 16.049.378
Pajak lainnya Other taxes
Pasal 4 ayat 2 20.806.149 13.598.722 Article 4 (2)
Pajak Pertambahan Nilai 5.842.973 104.721 Value Added Tax
Pasal 21 2.591.590 971.083 Article 21
Pasal 23 18.381 75.642 Article 23
Pasal 26 51.349 41.927 Article 26
29.310.442 14.792.095
Jumlah utang pajak - Total taxes payable -
Entitas Induk 29.310.442 30.841.473 Parent Company
112
Page 586
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
22. PERPAJAKAN (lanjutan) 22. TAXATION (continued)
a. Utang pajak (lanjutan) a. Taxes payable (continued)
31 Desember/December 31,
2023 2022
Entitas Anak Subsidiary
Pajak lainnya Other taxes
Pasal 4 ayat 2 - - Article 4 (2)
Pasal 21 - - Article 21
Pasal 23 - - Article 23
- -
Jumlah utang pajak - Total taxes payable -
Entitas Anak - - Subsidiary
Konsolidasian Consolidated
Pajak penghasilan badan Corporate income tax
Pasal 25 - - Article 25
Pasal 29 - 16.049.378 Article 29
- 16.049.378
Pajak lainnya Other taxes
Pasal 4 ayat 2 20.806.149 13.598.722 Article 4 (2)
Pajak Pertambahan Nilai 5.842.973 104.721 Value Added Tax
Pasal 21 2.591.590 971.083 Article 21
Pasal 23 18.381 75.642 Article 23
Pasal 26 51.349 41.927 Article 26
29.310.442 14.792.095
Jumlah utang pajak - Total taxes payables -
Konsolidasian 29.310.442 30.841.473 Consolidated
b. Beban Pajak Penghasilan b. Deferred Tax Expense
Beban pajak penghasilan terdiri dari: Deferred tax expense consist of:
31 Desember/December 31,
2023 2022
Entitas Induk Parent Company
Pajak kini - 16.049.378 Current tax
Pajak tangguhan 27.719.887 113.573.037 Deferred tax
Jumlah Entitas Induk 27.719.887 129.622.415 Total Parent Company
Entitas Anak Subsidiary
Pajak kini - 289.074 Current tax
Pajak tangguhan - 845.885 Deferred tax
Jumlah Entitas Anak - 1.134.959 Total Subsidiary
Konsolidasi Consolidation
Pajak kini - 16.338.452 Current tax
Pajak tangguhan 27.719.887 114.418.922 Deferred tax
Jumlah 27.719.887 130.757.374 Total
113
Page 587
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
22. PERPAJAKAN (lanjutan) 22. TAXATION (continued)
b. Beban Pajak Penghasilan (lanjutan) b. Deferred Tax Expense (continued)
Rekonsiliasi antara laba sebelum beban pajak The reconciliation between profit before income
penghasilan menurut laporan laba dengan (rugi) tax as shown in the statement of (loss) profit with
laba kena pajak yang dihitung oleh Bank adalah taxable loss of the Bank is as follows:
sebagai berikut:
31 Desember/December 31,
2023 2022
Laba sebelum beban pajak Profit before income tax expense
penghasilan menurut laporan per consolidated statement of
laba rugi konsolidasian 129.536.228 356.930.827 profit or loss
Bagian laba bersih Equity in net income of
Entitas Anak - 3.606.389 Subsidiary
Eliminasi dan penyesuaian - (4.741.348) Elimination and adjustments
Laba sebelum pajak
penghasilan - Entitas Profit before income tax -
Induk (Bank) 129.536.228 355.795.868 Parent Company (Bank)
Beda waktu: Timing differences:
Imbalan pasca kerja 3.035.528 (1.162.859) Post-employment benefits
Cadangan bonus, jasa Accrue bonuses, professional
profesional dan promosi (28.443.185) 7.943.507 fees and promotion expenses
Beban penyisihan kerugian Provision for impairment
penurunan nilai aset losses on financial and
keuangan dan non-keuangan (64.356.877) (72.817.804) non-financial assets
Kerugian yang belum direalisasi Unrealised loss - on investment
dari penyertaan saham yang diukur shares measured at fair value
pada nilai wajar melalui laba rugi (137.029.607) 2.980.457 through profit or loss
Jumlah beda waktu (226.794.141) (63.056.699) Total timing differences
Beda tetap: Permanent differences:
Biaya pemasaran 5.875.975 1.925.057 Marketing expenses
Biaya pajak 5.208.828 - Tax expenses
Tunjangan karyawan 2.332.300 2.418.187 Employee’s allowances
Sumbangan 77.050 42.237 Donation
Pendapatan dari reksadana Income from mutual funds
yang dikenakan pajak final (10.976.160) (7.831.141) subject to final tax
Pendapatan operasional lainnya (6.950.040) (14.437.989) Other operating income
Jumlah beda tetap (4.432.047) (17.883.649) Total permanent differences
Taksiran (rugi)/laba fiskal (101.689.960) 274.855.520 Estimated tax (loss)/profit
Kompensasi rugi fiskal tahun-tahun Tax losses carried forward from
sebelumnya: prior year:
Rugi fiskal tahun sebelumnya Tax losses from prior years
yang masih dapat dikompensasi - (201.903.800) that can be compensated
Akumulasi rugi fiskal yang dapat Accumulated tax losses carried
dikompensasi - (201.903.800) forward
(Rugi fiskal)/penghasilan kena pajak (101.689.960) 72.951.720 (Fiscal Loss)/taxable income
Beban pajak penghasilan kini: Current tax expense
Bank - 16.049.378 Bank
Entitas anak - 289.074 Subsidiary
Beban pajak kini - 16.338.452 Current tax expense
Utang pajak kini: Income tax payables:
Bank - 16.049.378 Bank
Entitas anak - - Subsidiary
Utang pajak kini - 16.049.378 Income tax payables
114
Page 588
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
22. PERPAJAKAN (lanjutan) 22. TAXATION (continued)
b. Beban Pajak Penghasilan (lanjutan) b. Deferred Tax Expense (continued)
Rincian rugi fiskal adalah sebagai berikut: The details of fiscal losses are as follows:
31 Desember/December 31,
2023 2022
Tahun 2023 (101.689.960) - Year 2023
Tahun 2021 - (12.984.010) Year 2021
Tahun 2020 - (188.919.790) Year 2020
Total akumulasi rugi fiskal yang Total accumulated tax losses
dapat dikompensasi (101.689.960) (201.903.800) carried forward
Rugi fiskal yang dikompensasi - 201.903.800 Compensated tax losses
Sisa akumulasi rugi fiskal (101.689.960) - Remaining accumulated tax losses
Penghasilan kena pajak hasil rekonsiliasi Taxable income results from reconciliation are
merupakan dasar dalam pengisian Surat the basis in preparing the Company’s Annual
Pemberitahuan Tahunan (SPT) PPh Badan Tax Return (SPT) of Corporate Income Tax.
Perseroan.
Rekonsiliasi antara rugi sebelum beban pajak The reconciliation between loss before tax as
pada laporan laba rugi dan penghasilan shown in the statements of comprehensive
komprehensif lain dan perhitungan pajak income and income tax calculation and the
penghasilan dan Manfaat Pajak untuk Bank related estimate of the current tax benefit for
Victoria dan entitas anak adalah sebagai Bank Victoria and its Subsidiaries are as
berikut: follows:
31 Desember/December 31,
2023 2022
Laba konsolidasian Consolidated profit
sebelum pajak penghasilan 129.536.228 356.930.827 before income tax
Pajak dihitung dengan tarif Tax calculated at applicable
pajak yang berlaku 28.497.970 78.524.782 tax rates
Dampak pajak penghasilan pada: Tax effects of:
- Beban yang tidak dapat Expenses not deductible -
dikurangkan untuk tujuan pajak (975.050) (3.934.403) for tax purposes
- Entitas Anak - 1.134.958 Subsidiary -
Dampak rugi fiskal - - Tax losses
Penyesuaian atas Adjustment for
aset pajak tangguhan 196.967 55.032.037 for deffered tax
Beban pajak Deferred tax
penghasilan - bersih 27.719.887 130.757.374 expenses - net
Perhitungan pajak penghasilan untuk tahun The income tax calculation for year ended
yang berakhir pada tanggal 31 Desember 2023 December 31, 2023 is based on preliminary
didasarkan pada perhitungan sementara untuk calculation for accounting purpose, as the Bank
tujuan akuntansi, karena Bank belum has not yet submitted its annual income tax
menyampaikan Surat Pemberitahuan Tahunan return (SPT). The calculations of income tax for
(SPT) Badan. Perhitungan pajak penghasilan the year ended December 31, 2022 conform to
badan untuk tahun yang berakhir tanggal the Bank’s Annual Tax Return.
31 Desember 2022 adalah sesuai dengan SPT
Tahunan Bank.
115
Page 589
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
22. PERPAJAKAN (lanjutan) 22. TAXATION (continued)
b. Beban Pajak Penghasilan (lanjutan) b. Deferred Tax Expense (continued)
Pada tanggal 29 Oktober 2021, berdasarkan On October 29, 2021, based on law No. 7 year
Undang-Undang No. 7 tahun 2021 tentang 2021 harmonization of taxation regulation,
harmonisasi peraturan perpajakan, antara lain among others regulates that income tax rate on
mengatur bahwa tarif pajak yang dikenakan corporate taxpayer and permanent
atas penghasilan kena pajak bagi wajib pajak establishment’s corporate taxable income 22%
Badan dalam negeri dan bentuk usaha tetap which will be effective for fiscal year 2022
adalah sebesar 22% yang berlaku pada tahun onwards.
pajak 2022 dan seterusnya.
Tarif pajak baru tersebut digunakan sebagai The new tax rates are used as references to
acuan untuk pengukuran aset dan liabilitas measure the current and deferred tax assets
pajak kini dan tangguhan sejak berlakunya and liabilities starting from the enactment date
peraturan tersebut yaitu 29 Oktober 2021. of the new regulation on October 29, 2021.
c. Pajak tangguhan c. Deferred tax
31 Desember/ December 31, 2023
(Dibebankan)/ (Dibebankan)/ dikreditkan
dikreditkan ke laporan ke pendapatan
laba rugi/ komprehensif lain /
(Charged)/ (Charged)/ Credited to
1 Januari/ Credited to other comprehensive 31 Desember/
January profit or loss income December
Cadangan bonus, jasa Accrued bonuses, professional
profesional dan promosi 2.669.950 319.400 (746.820) 2.242.530 fee and promotion
Cadangan kerugian penurunan Allowance for
nilai 144.943.198 (20.932.380) - 124.010.818 impairment lossess
Imbalan pasca kerja 8.963.403 667.816 - 9.631.219 Post-employment benefits
Kerugian yang belum Unrealised losses on
direalisasi atas perubahan changes in fair value
nilai wajar on investment in shares
penyertaan saham 30.146.514 (30.146.514) - - measures at FVTPL
Keuntungan/kerugian yang Unrealised gains/
belum direalisasi atas (losses) on changes
perubahan nilai wajar in fair value of securities
efek-efek yang diukur measured at
pada FVOCI 10.884.268 - (6.136.700) 4.747.568 FVOCI
Rugi pajak yang bisa
dikompensasi - 22.371.791 - 22.371.791 Tax loss carry forward
Jumlah aset pajak tangguhan Total deferred
- bersih 197.607.333 (27.719.887) (6.883.520) 163.003.926 tax assets - net
31 Desember/ December 31, 2022
(Dibebankan)/
(Dibebankan)/ dikreditkan ke
dikreditkan ke laporan pendapatan
laba rugi/ komprehensif lain / Dampak kehilangan
(Charged)/ (Charged)/ Credited to pengendali entitas
1 Januari/ Credited to other comprehensive anak/ Loss on 31 Desember/
January profit or loss income control on subsiary December
Entitas Induk Parent Company
Cadangan bonus, jasa Accrued bonuses, professional
profesional dan promosi 552.169 1.810.532 307.249 - 2.669.950 fee and promotion
Cadangan kerugian penurunan Allowance for
nilai 216.307.793 (71.364.595) - - 144.943.198 impairment lossess
Imbalan pasca kerja 9.219.232 (255.829) - - 8.963.403 Post-employment benefits
Kerugian yang belum Unrealised losses on
direalisasi atas perubahan changes in fair value
nilai wajar on investment in shares
penyertaan saham 29.490.813 655.701 - - 30.146.514 measures at FVTPL
Keuntungan/kerugian yang Unrealised gains/
belum direalisasi atas (losses) on changes
perubahan nilai wajar in fair value of securities
efek-efek yang diukur measured at
pada FVOCI (5.074.568) - 15.958.836 - 10.884.268 FVOCI
Rugi pajak yang bisa
dikompensasi 44.418.846 (44.418.846) - - Tax loss carry forward
Aset/(liabilitas) pajak Deferred tax asset/
tangguhan Bank - bersih 294.914.285 (113.573.037) 16.266.085 - 197.607.333 (liability) Bank - net
Dampak kehilangan Loss on control
pengendalian entitas anak 7.474.317 - - (7.474.317) - on Subsidiary
Jumlah aset pajak tangguhan Total deferred
- bersih 302.388.602 (113.573.037) 16.266.085 (7.474.317) 197.607.333 tax assets - net
Manajemen berpendapat bahwa aset pajak Management believes that total deferred tax
tangguhan yang timbul dari perbedaan temporer assets arising from temporary differences are
kemungkinan besar dapat direalisasi pada probable to be realised in the future years.
tahun-tahun mendatang.
116
Page 590
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
23. AKRUAL DAN LIABILITAS LAIN-LAIN 23. ACCRUALS AND OTHER LIABILITIES
31 Desember/December 31,
2023 2022
Bunga dan bagi hasil Interest and profit
yang masih harus dibayar 74.152.843 58.180.650 sharing payable
Liabilitas sewa 47.309.526 33.100.288 Lease liabilities
Beban akrual 19.003.791 18.200.019 Accrued expenses
Kewajiban Transaksi ATM, ATM Transaction,
Internet Banking dan Internet Banking and
Mobile Banking 14.463.254 12.300.903 Mobile Banking liabilities
Cadangan THR dan bonus 13.104.974 20.706.772 THR and bonus reserves
Hutang kepada supplier 10.521.933 13.845.357 Payable to third parties
Cadangan kerugian Allowance for impairment losses
Bank Garansi 1.178.357 241.681 Bank Guarantee
Cadangan personalia dan Personnel reserve and
biaya pendidikan karyawan 1.119.075 2.047.573 employee education expenses
Kewajiban derivatif 74.058 1.164.980 Derivatives receivables
Pendapatan diterima di muka 362.721 11.581 Unearned revenues
Lainnya 12.167.006 1.140.776 Others
Jumlah 193.457.538 160.940.580 Total
Beban akrual lainnya meliputi biaya administrasi dan Accrued expenses consist of administration and
operasional. operational expenses.
Saldo lain-lain pada tanggal 31 Desember 2023 dan The balance of others as of December 31, 2023 and
2022 terutama terdiri dari hutang kepada pihak 2022 mainly consist of liabilities to third parties.
ketiga.
24. LIABILITAS IMBALAN KERJA KARYAWAN 24. EMPLOYEE BENEFITS OBLIGATION
Liabilitas imbalan kerja yang diakui di laporan posisi Employee benefit liabilities recognized in the
keuangan adalah sebagai berikut: statement of financial position are as follows:
31 Desember/December 31,
2023 2022
Liabilitas imbalan pasca kerja 39.837.511 40.196.622 Post-employment benefits liability
Imbalan kerja jangka panjang Long term employee benefit
Informasi di bawah ini mengikhtisarkan komponen The following informations summarise the
beban imbalan pasca kerja karyawan yang diakui di components of post-employment benefits expense
laporan laba rugi dan penghasilan komprehensif lain recognised in the profit or loss and other
dan liabilitas imbalan pasca kerja karyawan yang comprehensive income and post-employment
diakui di laporan posisi keuangan pada tanggal benefits liability recognised in the statement of
31 Desember 2023 dan 2022 berdasarkan financial position on December 31, 2023 and 2022,
perhitungan yang dilakukan oleh aktuaris based on the independent actuarial calculation
independen Kantor Konsultan Aktuaria Tubagus carried out by an independent actuary Kantor
Syafrial & Amran Nangasan dan PT Ricky Leonard Konsultan Aktuaria Tubagus Syafrial & Amran
Jasatama, menggunakan metode ”Projected Unit Nangasan and PT Ricky Leonard Jasatama, applied
Credit”. the “Projected Unit Credit” method.
117
Page 591
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
24. LIABILITAS IMBALAN KERJA KARYAWAN 24. EMPLOYEE BENEFITS OBLIGATION (continued)
(lanjutan)
Imbalan kerja jangka panjang (lanjutan) Long term employee benefit (continued)
a. Beban/(pendapatan) imbalan pasca kerja a. Post-employment benefits expenses/
(income)
31 Desember/December 31,
2023 2022
Biaya jasa kini 5.293.469 4.891.029 Current service cost
Biaya jasa lalu - 170.968 Past service cost
Biaya jasa lalu (penyesuaian IFRIC) - (1.265.016) Past service cost (IFRIC adjustment)
Biaya bunga 2.894.157 2.359.788 Interest cost
Biaya pesangon pemutusan
hubungan kerja - - Severance payment
Jumlah 8.187.626 6.156.769 Total
b. Liabilitas imbalan pasca kerja b. Post-employment benefits liability
31 Desember/December 31,
2023 2022
Nilai kini kewajiban Present value of defined
imbalan pasti 39.837.511 40.196.622 benefit obligations
Mutasi nilai kini kewajiban adalah sebagai The movement in the present value of obligation
berikut: are as follow:
31 Desember/December 31,
2023 2022
Pada awal tahun 40.196.622 43.884.161 At the beginning of the year
Biaya jasa kini 5.293.469 4.891.029 Current service cost
Biaya jasa lalu - (1.094.048) Past service cost
Imbalan yang dibayar (5.152.098) (7.319.628) Benefits paid
Beban bunga 2.894.157 2.359.788 Interest cost
Kerugian/(keuntungan) aktuarial (3.394.639) 2.466.010 Actuarial loss/(gain)
Dampak kehilangan pengendalian Loss of control
entitas anak - (4.990.690) on subsidiary
Pada akhir tahun 39.837.511 40.196.622 At the end of the year
Asumsi-asumsi utama yang digunakan dalam The principal assumptions used to determine
menghitung liabilitas imbalan pasca kerja pada the post-employment benefits liability as of
tanggal 31 Desember 2023 dan 2022 adalah December 31, 2023 and 2022 are as follows:
sebagai berikut:
31 Desember/December 31,
2023 2022
Usia pensiun normal 55 tahun/years 55 tahun/years Normal retirement age
Tingkat mortalita TM IV TM IV Mortality rate
Tingkat cacat 5,00% dari tingkat 5,00% dari tingkat Disability rate
mortalita/ mortalita/
of mortality rate of mortality rate
Tingkat pengunduran diri 5,00% per tahun/ 5,00% per tahun/ Resignation rate
per annum per annum
Tingkat kenaikan gaji 7,32% per tahun/ 7,32% per tahun/ Salary increase rate
per annum per annum
Tingkat suku bunga 6,76% per tahun/ 7,20% per tahun/ Interest rate
per annum per annum
118
Page 592
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
24. LIABILITAS IMBALAN KERJA KARYAWAN 24. EMPLOYEE BENEFITS OBLIGATION (continued)
(lanjutan)
Imbalan kerja jangka panjang (lanjutan) Long term employee benefit (continued)
b. Liabilitas imbalan pasca kerja (lanjutan) b. Post-employment benefits liability
(continued)
Bank terekspos dengan beberapa risiko melalui The Bank is exposed to a number of risks
program imbalan pasti, dengan risiko paling through its defined benefit pension plan, with the
signifikan pada tingkat diskonto obligasi dan most significant risk on bond’s discount rates and
kenaikan gaji. salary increase.
Tabel di bawah menunjukkan sensitivitas atas The following table represent the sensitivity
kemungkinan perubahan tingkat kenaikan gaji analysis of a reasonably possible change in
dan tingkat diskonto terhadap kewajiban imbalan salary increase and discount rate of obligation to
pasca kerja Bank (tidak diaudit): Bank’s post-employment benefit liability
(unaudited):
31 Desember/December 31, 2023
Peningkatan/ Penurunan/
Increase by Decrease by
100 bps 100 bps
Tingkat diskonto (2.379.169) 2.666.818 Discount rates
Kenaikan gaji 2.627.178 (2.389.227) Salary increases
31 Desember/December 31, 2022
Peningkatan/ Penurunan/
Increase by Decrease by
100 bps 100 bps
Tingkat diskonto (2.456.823) 2.734.195 Discount rates
Kenaikan gaji 2.705.134 (2.476.013) Salary increases
Analisis sensitivitas di atas didasarkan pada The above sensitivity analysis are based on a
perubahan atas asumsi tunggal dengan asumsi change in an assumption while holding all other
lainnya konstan. Pada praktiknya, kecil assumption constant. In practice, this is unlikely
kemungkinan hal tersebut terjadi, dan to occur, and the changes in some of the
perubahan-perubahan dalam beberapa dalam assumption may be correlated. When calculation
beberapa asumsi mungkin saling berhubungan. the sensitivity of the defined benefit obligation to
Ketika melakukan perhitungan sensitivitas dari significant actuarial assumptions, the same
kewajiban imbalan pasti ke asumsi aktuarial method (present value if the defined benefit
yang signifikan, metode yang sama (nilai kini obligation calculation with the projected unit
dari kewajiban imbalan pasti yang dihitung credit method at the end of the reporting period)
menggunakan projected unit credit pada akhir has been applied as when calculating the
periode pelaporan) telah diterapkan seperti saat pension liability recognised within the statement
menghitung kewajiban pensiun yang diakui of financial position.
pada laporan posisi keuangan.
Harapan umur hidup Life expectancy
Sebagian besar dari kewajiban program The majority of the plan’s obligations are to
menyediakan manfaat seumur hidup, sehingga provide benefits for the life of the member, so
kenaikan umur hidup akan mengakibatkan increases in life expectancy will result in an
kenaikan liabilitas program. increase in plan’s liabilities.
119
Page 593
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
24. LIABILITAS IMBALAN KERJA KARYAWAN 24. EMPLOYEE BENEFITS OBLIGATION (continued)
(lanjutan)
Imbalan kerja jangka panjang (lanjutan) Long term employee benefit (continued)
b. Liabilitas imbalan pasca kerja (lanjutan) b. Post-employment benefits liability
(continued)
Harapan umur hidup (lanjutan) Life expectancy (continued)
Sebagian besar dari kewajiban program The majority of the plan’s obligations are to
menyediakan manfaat seumur hidup, sehingga provide benefits for the life of the member, so
kenaikan umur hidup akan mengakibatkan increases in life expectancy will result in an
kenaikan liabilitas program. increase in plan’s liabilities.
Pada 31 Desember 2023 dan 2022, durasi rata- In December 31, 2023 and 2022, the weighted
rata tertimbang dari liabilitas imbalan pasti average duration of the defined benefit
adalah 14,5 dan 16 tahun (tidak diaudit). obligation are 14.5 and 16 years (unaudited).
Analisis jatuh tempo yang diharapkan dari Expected maturity analysis of employee
manfaat pensiun adalah sebagai berikut (tidak benefits are as follows (unaudited):
diaudit):
31 Desember/December 31,
2023 2022
Kurang dari 1 tahun 2.989.627 2.216.198 Less than 1 year
2 - 5 tahun 15.166.437 13.435.221 2 - 5 years
5 - 10 tahun 9.475.613 15.339.015 5 - 10 years
Lebih dari 10 tahun 12.205.834 9.206.188 Over 10 years
Jumlah 39.837.511 40.196.622 Total
25. MODAL SAHAM 25. SHARE CAPITAL
Susunan pemegang saham Bank masing-masing The Bank's shareholders as of December 31, 2023
pada tanggal 31 Desember 2023 dan 2022 and 2022 based on the report of PT Adimitra Jasa
berdasarkan laporan dari Biro Administrasi Efek Korpora, the Shares Registration Bureau, are as
PT Adimitra Jasa Korpora adalah sebagai berikut: follows:
31 Desember/December 31, 2023
Jumlah saham
ditempatkan
dan disetor Persentase
penuh/ kepemilikan/ Jumlah modal
Number of Percentage yang disetor/
shares issued of Total capital
Pemegang Saham and fully paid ownership (Rp) Shareholders
PT Victoria Investama Tbk 7.010.537.747 44,24 701.053.775 PT Victoria Investama Tbk
Suzanna Tanojo 3.066.411.303 19,35 306.641.130 Suzanna Tanojo
PT Nata Patindo 48.823.665 0,31 4.882.367 PT Nata Patindo
Masyarakat (masing-masing
di bawah 5%) 5.722.463.063 36,10 572.246.306 Public (individually less than 5%)
Jumlah 15.848.235.778 100,00 1.584.823.578 Total
120
Page 594
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
25. MODAL SAHAM (lanjutan) 25. SHARE CAPITAL (continued)
Susunan pemegang saham Bank masing-masing The Bank's shareholders as of December 31, 2023
pada tanggal 31 Desember 2023 dan 2022 and 2022 based on the report of PT Adimitra Jasa
berdasarkan laporan dari Biro Administrasi Efek Korpora, the Shares Registration Bureau, are as
PT Adimitra Jasa Korpora adalah sebagai berikut: follows: (continued)
(lanjutan)
31 Desember/December 31, 2022
Jumlah saham
ditempatkan
dan disetor Persentase
penuh/ kepemilikan/ Jumlah modal
Number of Percentage yang disetor/
shares issued of Total capital
Pemegang Saham and fully paid ownership (Rp) Shareholders
PT Victoria Investama Tbk 6.880.162.747 43,41 688.016.275 PT Victoria Investama Tbk
Suzanna Tanojo 3.066.411.303 19,35 306.641.130 Suzanna Tanojo
Chemical Asia Corporation Pte Ltd 871.275.600 5,50 87.127.560 Chemical Asia Corporation Pte Ltd
PT Nata Patindo 48.823.665 0,31 4.882.366 PT Nata Patindo
Masyarakat (masing-masing
di bawah 5%) 4.981.561.399 31,43 498.156.140 Public (individually less than 5%)
Jumlah 15.848.234.714 100,00 1.584.823.471 Total
Mutasi jumlah saham yang ditempatkan dan disetor The movement in the number of shares issued and
penuh adalah sebagai berikut: fully paid are as follows:
Jumlah Saham/
Number of Shares
Saldo 1 Januari 2023 15.848.234.714 Balance as of January 1, 2023
Penambahan modal saham dari Additional in shares capital from the
pelaksanaan waran Seri VII tahun 2023 1.064 execution of Series VII warrants in 2023
Saldo 31 Desember 2023 15.848.235.778 Balance as of December 31, 2023
Berdasarkan hasil Rapat Umum Pemegang Saham According to the results of the Annual General
Tahunan tanggal 3 Juni 2022 yang telah dituangkan Meeting of Shareholders on June 3, 2022 which
dalam Akta Notaris No. 05 tanggal 3 Juni 2022, has been stated in Notary Deed No. 05 dated
pemegang saham menyetujui rencana Penambahan June 3, 2022, the shareholders approved the plan
Modal dengan Memberikan Hak Memesan Efek to execute increase Share Issuance with
Terlebih Dahulu. Pre-emptive Rights.
Pada tanggal 31 Agustus 2022, Bank melakukan On August 31, 2022, the Bank issued shares for
penerbitan saham atas Penambahan Modal dengan Share Issuance with Pre-emptive Rights of
Hak Memesan Efek Terlebih Dahulu sebanyak 2,553,461,919 shares with an exercise price of
2.553.461.919 lembar saham dengan harga Rp150 (one hundred fifty Rupiah) per share or a
pelaksanaan sebesar Rp150 (sembilan lima puluh total of Rp383,019,288 (three hundred eighty three
rupiah) per saham atau seluruhnya sejumlah billion nineteen million two hundred and eighty-eight
Rp383.019.288 (tiga ratus delapan puluh tiga miliar thousand Rupiah) which has been entered into a
sembilan belas juta dua ratus delapan puluh delapan Bank’s account on August 31, 2022.
ribu rupiah) yang telah masuk dalam rekening bank
pada tanggal 31 Agustus 2022.
Peningkatan modal disetor ini telah dituangkan This increase in paid-in capital has been stated in
dalam Akta Notaris No. 1 tanggal 2 September 2022 Notarial Deed No. 1 dated September 2, 2022 and
dan telah diterima dan dicatat di dalam Sistem has been reported and accepted by Ministry of Law
Administrasi Badan Hukum Kementerian Hukum dan and Human Rights of the Republic of Indonesia
HAM berdasarkan surat No. AHU-AH.01.03- through its letter No. AHU-AH.01.03-0287195 dated
0287195 tanggal 3 September 2022. September 3, 2022.
121
Page 595
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
25. MODAL SAHAM (lanjutan) 25. SHARE CAPITAL (continued)
Berdasarkan hasil Rapat Umum Pemegang Saham Based on the results of the Extraordinary General
Luar Biasa tanggal 19 Oktober 2022 yang telah Meeting of Shareholders on October 19, 2022 which
dituangkan dalam Akta Notaris No. 31 tanggal has been stated in Notary Deed No. 31 dated
19 Oktober 2022, pemegang saham menyetujui October 19, 2022, the shareholders approved the
rencana Penambahan Modal dengan Memberikan plan to increase capital by granting pre-emptive
Hak Memesan Efek Terlebih Dahulu disertai dengan rights accompanied by the issuance of Series VII
penerbitan Waran Seri VII (Catatan 26). Warrants (Note 26).
Pada tanggal 29 Desember 2022, Bank melakukan On December 29, 2022, the Bank issued shares for
penerbitan saham atas Penambahan Modal dengan Share Issuance with Pre-emptive Rights of
Hak Memesan Efek Terlebih Dahulu sebanyak 2,807,640,227 shares with an exercise price of
2.807.640.227 lembar saham dengan harga Rp150 (one hundred fifty Rupiah) per share or a total
pelaksanaan sebesar Rp150 (seratus lima puluh of Rp421,146,034 (four hundred twenty one billion
rupiah) per saham atau seluruhnya sejumlah one hundred forty-six million thirty-four thousand
Rp421.146.034 (empat ratus dua puluh satu miliar Rupiah) which was entered into a Bank’s account on
seratus empat puluh enam juta tiga puluh empat ribu December 28, 2022 in conjunction with the issuance
rupiah) yang telah masuk dalam rekening bank of Series VII Warrants of 2,573,670,117 warrants
pada tanggal 28 Desember 2022 disertai dengan with an exercise price of Rp100 (one hundred
penerbitan Waran Seri VII sebanyak 2.573.670.117 Rupiah) per warrant.
waran dengan harga pelaksanaan sebesar Rp100
(seratus Rupiah) per waran.
Peningkatan modal disetor ini telah dituangkan This increase in paid-in capital has been stated in
dalam Akta Notaris No. 7 tanggal 29 Desember Notarial Deed No. 7 dated December 29, 2022 and
2022 dan telah diterima dan dicatat di dalam has been reported and accepted by Ministry of Law
Sistem Administrasi Badan Hukum Kementerian and Human Rights of the Republic of Indonesia
Hukum dan HAM berdasarkan surat through its letter No. AHU-AH.01.03.0497387 dated
No. AHU-AH.01.03.0497387 tanggal 29 Desember December 29, 2022. Therefore, the number of
2022. Sehingga jumlah saham yang ditempatkan issued and fully paid shares on December 31, 2022
dan disetor penuh pada 31 Desember 2022 adalah is 15,848,234,714 shares.
15.848.234.714 saham.
Pada tahun 2023, Bank menerbitkan 1.064 lembar In 2023, the Bank issued 1,064 shares originating
saham yang berasal dari hasil pelaksanaan Waran from the execution of Series VII Warrants in 2023, so
Seri VII pada tahun 2023 sehingga jumlah saham the total shares placed and fully paid as of
yang ditempatkan dan disetor penuh pada December 31, 2023 were 15,848,235,778 shares.
31 Desember 2023 adalah 15.848.235.778 saham.
26. TAMBAHAN MODAL DISETOR DAN SETORAN 26. ADDITIONAL PAID-IN CAPITAL AND CAPITAL
MODAL DITERIMA DIMUKA RECEIVED IN ADVANCE
Tambahan modal disetor merupakan selisih antara The additional paid-in capital represent the excess
jumlah yang diterima dari penerbitan saham dengan of proceeds from issuance of shares with the par
nilai nominal yang dicatat sebagai setoran modal. value recorded as paid-in capital
Pada 4 Juni 2022, Sistem Administrasi Badan On June 4, 2022, Legal Entity Administration
Hukum Kementerian Hukum dan HAM berdasarkan System of the Ministry of Law and Human Rights
surat No. AHU-0103473.AH.01.11 Tahun 2022, based on letter No. AHU-0103473.AH.01.11 Year
telah mencatatkan peningkatan modal disetor Bank 2022, the Bank’s paid-up capital increased to
menjadi Rp4.100.000.000.000,- (empat triliun Rp4,100,000,000,000.- (four trillion one hundred
seratus miliar Rupiah) (nilai penuh) saham masing- billion Rupiah) (full amount) shares each with
masing dengan nilai nominal Rp100 (seratus nominal of Rp100 (one hundred Rupiah) (full
Rupiah) (nilai penuh). Peningkatan modal disetor ini amount). This increase of paid-in capital is based on
berdasarkan hasil Rapat Umum Pemegang Saham the results of the Annual General Meeting of
Tahunan yang telah dituangkan dalam Akta Notaris Shareholders as stated in the Notarial Deed No. 7
No. 7 tanggal 3 Juni 2022. on June 3, 2022.
122
Page 596
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
26. TAMBAHAN MODAL DISETOR DAN SETORAN 26. ADDITIONAL PAID-IN CAPITAL AND CAPITAL
MODAL DITERIMA DIMUKA (lanjutan) RECEIVED IN ADVANCE (continued)
Pada 22 Juni 2022, Bank menerima tambahan dana On June 22, 2022, the Bank received fund of capital
setoran modal diterima dimuka dari PT Victoria received in advance from PT Victoria Investama
Investama Tbk, PT Bhuwanatala Indah Permai Tbk, Tbk, PT Bhuwanatala Indah Permai Tbk, PT Victoria
PT Victoria Sekuritas Indonesia, PT Victoria Alife Sekuritas Indonesia, PT Victoria Alife Indonesia and
Indonesia, dan PT Emperor Finance Indonesia PT Emperor Finance Indonesia amounted to
dengan total seluruhnya sebesar Rp254,500,000,000 (full amount) to fulfill the
Rp254.500.000.000 (nilai penuh) dalam rangka minimum core capital requirement in accordance
pemenuhan modal inti minimum berdasarkan POJK with POJK No 12/POJK.03/2020 regarding
No. 12/POJK.03/2020 tentang Konsolidasi Bank Commercial Bank Consolidation in accordance with
Umum yang pelaksanaannya dilakukan sesuai POJK No.11/POJK.03/2016 regarding Liability for
dengan ketentuan POJK No. 11/POJK.03/2016 Fulfillment of Minimum Capital of Commercial Bank
tentang Kewajiban Penyediaan Modal Minimum dated January 29, 2016.
Bank Umum tanggal 29 Januari 2016.
Pada tanggal 31 Agustus 2022 Bank melakukan On August 31, 2022 the Bank issued 2,553,461,919
penerbitan 2.553.461.919 lembar saham dengan shares with an exercise price of Rp150 (full amount)
harga pelaksanaan Rp150 (nilai penuh) per lembar per share. The total proceeds received from the
saham. Total penerimaan dana dari penerbitan issuance of these shares amounted to
saham tersebut adalah sebesar Rp383.019.288 Rp383,019,288 where the nominal value of the
dimana nilai nominal saham adalah sebesar shares was Rp255,346,192 therefore for the
Rp255.346.192 sehingga atas penerbitan saham issuance of these shares the Bank recorded
tersebut Bank mencatat tambahan modal disetor additional paid-in capital of Rp127,673,096.
sebesar Rp127.673.096.
Penerbitan saham ini mencakup konversi dana The issuance of these shares includes the
setoran modal diterima dimuka yang telah diterima conversion of capital received in advance from
dari PT Victoria Investama Tbk, PT Bhuwanatala PT Victoria Investama Tbk, PT Bhuwanatala Indah
Indah Permai Tbk, PT Victoria Sekuritas Indonesia, Permai Tbk, PT Victoria Sekuritas Indonesia,
PT Victoria Alife Indonesia dan PT Emperor Finance PT Victoria Alife Indonesia and PT Emperor Finance
menjadi saham dengan harga pelaksanaan Rp150 into shares with an exercise price of Rp150 (full
(nilai penuh) per saham dengan total seluruhnya amount) per share for a total of Rp312,450,000 so
Rp312.450.000 sehingga jumlah saham yang that the number of shares issued upon the
diterbitkan atas konversi setoran modal diterima conversion capital received in advance are
dimuka adalah sebanyak 2.083.333.332 lembar. 2,083,333,332 shares. The conversion of capital
Konversi setoran modal diterima dimuka telah received in advance has been approved by Financial
mendapatkan persetujuan dari Otoritas Jasa Services Authority through letter
Keuangan melalui surat No. S-69/PB.33/2022 No. S-69/PB.33/2022 dated July 4, 2022.
tanggal 4 Juli 2022.
Pada tanggal 14 Oktober 2022, Bank menerima On October 14, 2022, the Bank received additional
tambahan dana setoran modal diterima dimuka dari capital received in advance from Suzanna Tanojo in
Suzanna Tanojo sebesar Rp200.000.000 dalam the amount of Rp200,000,000 in order to fulfill the
rangka pemenuhan modal inti minimum minimum core capital based on meeting the
berdasarkan pemenuhan modal inti minimum minimum core capital based on POJK
berdasarkan POJKNo. 12/POJK.03/2020 tentang No. 12/POJK.03/2020 concerning Consolidation of
Konsolidasi Bank Umum yang pelaksanaannya Commercial Banks, the implementation of which is
dilakukan sesuai dengan ketentuan POJK carried out in accordance with POJK provisions
No. 11/POJK.03/2016 tentang Kewajiban No. 11/POJK.03/2016 concerning Minimum Capital
Penyediaan Modal Minimum Bank Umum tanggal Adequacy Requirements for Commercial Banks
29 Januari 2016. dated January 29, 2016.
123
Page 597
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
26. TAMBAHAN MODAL DISETOR DAN SETORAN 26. ADDITIONAL PAID-IN CAPITAL AND CAPITAL
MODAL DITERIMA DIMUKA (lanjutan) RECEIVED IN ADVANCE (continued)
Berdasarkan hasil Rapat Umum Pemegang Saham Based on Extraordinary General Meeting of
Tahunan tanggal 19 Oktober 2022 yang telah Shareholders on October 19, 2022 which has been
dituang dalam Akta Notaris No. 32 tanggal legalised through Notarial Deed No. 32 dated
19 Oktober 2022 pemegang saham menyetujui October 19, 2022, the shareholders agreed the
keputusan berikut: following decisions:
1. Menyetujui Penambahan modal dengan Hak 1. Approved additional capital with Pre-emptive
Memesan Efek Terlebih Dahulu (PMHMETD) Rights (PMHMETD) of maximum of
sebanyak-banyaknya 4.955.425.905 saham 4,955,425,905 shares with nominal value of
dengan nilai nominal Rp100 per saham, yang Rp100 per share along with issuance of for
disertai dengan penerbitan sebanyak- a maximum of 4,542,473,746 Warrant
banyaknya 4.542.473.746 Waran Seri VII. Series VII.
2. Menyetujui pemberian kuasa dan wewenang 2. Approved to grant power and authority to the
kepada Direksi Bank untuk: Board of Directors of Bank Victoria to:
Menetapkan jumlah saham yang Determine the number of shares offered in
ditawarkan dalam PMHMETD serta jumlah the PMHMETD and the number of Warrant
Waran Seri VII; Series VII;
Menetapkan harga pelaksanaan Determine the exercise price of PMHMETD
PMHMETD dan harga pelaksanaan Waran and exercise price for Warrants Series VII;
Seri VII;
Melakukan segala tindakan yang implementation of PMHMETD and
diperlukan dalam pelaksanaan PMHMETD issuance of Series VII Warrants with due
dan penerbitan Waran Seri VII dengan observance of the applicable laws and
memperhatikan peraturan perundang- regulations; and
undangan yang berlaku; dan
Melakukan peningkatan modal Increase the issued and paid-up capital
ditempatkan dan modal disetor setelah after the implementation of the PMHMETD
pelaksanaan PMHMETD dan Waran Seri and Series VII Warrants and amending
VII dan mengubah Pasal 4 ayat 2 dan 3 Article 4 paragraphs 2 and 3 of Bank
Anggaran Dasar Bank Victoria. Victoria's Articles of Association.
Pada tanggal 29 Desember 2022, Bank melakukan On December 29, 2022 the Bank issued
penerbitan 2.807.640.227 lembar saham dengan 2,807,640,227 shares with an exercise price of
harga pelaksanaan Rp150 (nilai penuh). Total Rp150 (full amount). The total receipt of funds from
penerimaan dana dari penerbitan saham tersebut the issuance of these shares amounted to
adalah sebesar Rp421.146.034 dimana nilai Rp421,146,034 where the nominal value of the
nominal saham adalah sebesar Rp280.764.022 shares was Rp280,764,022 so that for the issuance
sehingga atas penerbitan saham tersebut Bank of these shares the Bank recorded additional paid-in
mencatat tambahan modal disetor sebesar capital of Rp140,382,012.
Rp140.382.012.
Penerbitan saham ini mencakup konversi atas dana The issuance of these shares includes the
setoran modal diterima dimuka yang telah diterima conversion of capital received in advance from
dari PT Victoria Investama Tbk dan Suzanna Tanojo PT Victoria Investama Tbk and Suzanna Tanojo into
menjadi saham dengan harga pelaksanaan Rp150 shares with an exercise price of Rp150 (full amount)
(nilai penuh) per saham dengan total seluruhnya per share for a total of Rp420,000,000 therefore the
Rp420.000.000 sehingga jumlah saham yang number of shares issued on the conversion of
diterbitkan atas konversi setoran modal diterima capital received in advance is 2,799,999,999 shares.
dimuka adalah sebanyak 2.799.999.999 lembar The conversion of capital received in advance has
saham. Konversi setoran modal diterima dimuka been approved by Financial Services Authority
telah mendapatkan persetujuan dari Otoritas Jasa based on approval letter No. S-120/PB.33/2022
Keuangan berdasarkan surat persetujuan dated November 25, 2022.
No. S-120/PB.33/2022 tanggal 25 November 2022.
124
Page 598
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
27. PENGGUNAAN LABA BERSIH TAHUN 2023 27. APPROPRIATION OF INCOME 2023
Penggunaan Laba Bersih Tahun 2023 Appropriation of 2023 Net Income
Berdasarkan Berita Acara Rapat Umum Pemegang Based on the Minutes of the Annual General
Saham Tahunan (RUPST) tanggal 26 Mei 2023 Meeting of Shareholders dated May 26, 2023, as
yang dinyatakan dalam Akta Notaris Fathiah Helmi, stated in the Notarial Deed of Fathiah Helmi, S.H. on
S.H. tanggal yang sama, Bank membukukan laba the same date, the Bank posted a net profit in 2022,
bersih pada tahun 2022, dan dipergunakan untuk and this was used for general reserve funds and
dana cadangan umum dan laba ditahan. Dengan retained earnings. Thus, the Bank does not
demikian Bank tidak melakukan pembagian dividen distribute dividends to shareholders.
untuk para pemegang saham.
28. CADANGAN UMUM 28. GENERAL RESERVES
Pada tanggal 31 Desember 2023 dan 2022, Bank As of December 31, 2023 and 2022, the Bank had
telah membentuk cadangan umum dan wajib set up mandatory and general reserves amounting to
sebesar Rp202.200.000 dan Rp177.200.000. Rp202,200,000 and Rp177,200,000. The increase of
Kenaikan sebesar Rp25.000.000 merupakan Rp25,000,000 is an addition to the general reserve
penambahan cadangan umum yang disepakati agreed upon at the Annual General Meeting of
melalui Rapat Umum Pemegang Saham Tahunan Shareholders on May 26, 2023. The addition to the
(RUPST) pada tanggal 26 Mei 2023. Penambahan general reserve is outlined in the minutes of the
cadangan umum tertuang dalam akta Berita Acara Annual General Meeting of Shareholders as stated
Rapat Umum Pemegang Saham Tahunan (RUPST) in the Notarial Deed of Fatiah Helmi S.H. on the
yang dinyatakan dalam Akta Notaris Fatiah Helmi same date.
S.H. pada tanggal yang sama.
Cadangan umum dan wajib ini dibentuk sehubungan These general and legal reserve were provided in
dengan Undang-Undang Republik Indonesia relation with the Law of the Republic of Indonesia
No. 1/1995 yang telah digantikan dengan Undang- No. 1/1995 which has been replaced with the Law
Undang No. 40/2007 efektif tanggal 16 Agustus No. 40/2007 effective on August 16, 2007 regarding
2007 mengenai Perseroan Terbatas, yang the Limited Liability Company which requires the
mengharuskan perusahaan-perusahaan untuk companies to set up a general reserve amounting to
membuat penyisihan cadangan umum sebesar at least 20% of the issued and paid-up share capital.
sekurang-kurangnya 20% dari jumlah modal yang There is no timeline over which this amount should
ditempatkan dan disetor penuh. Undang-Undang be provided.
tersebut tidak mengatur jangka waktu untuk
membentuk cadangan tersebut.
29. PENDAPATAN BUNGA DAN SYARIAH 29. INTEREST AND SHARIA INCOME
Tahun yang berakhir
Pada tanggal 31 Desember/
Years ended December 31,
2023 2022
Pendapatan bunga Interest income
Pinjaman yang diberikan 1.477.526.055 1.328.667.150 Loans
Efek-efek 333.248.344 294.174.567 Marketable securities
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 25.616.731 12.681.009 and other banks
Sub jumlah 1.836.391.130 1.635.522.726 Sub total
125
Page 599
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
29. PENDAPATAN BUNGA DAN SYARIAH (lanjutan) 29. INTEREST AND SHARIA INCOME (continued)
Tahun yang berakhir
Pada tanggal 31 Desember/
Years ended December 31,
2023 2022
Pendapatan syariah Sharia income
Pendapatan bagi hasil - 21.416.012 Profit sharing
Pendapatan margin - 10.943.114 Margin income
Pendapatan ijarah - bersih - 155.606 Net income from ijarah
Pendapatan usaha utama lainnya - 36.980.953 Income from other main operational
Sub jumlah - 69.495.685 Sub total
Jumlah 1.836.391.130 1.705.018.411 Total
Jumlah pendapatan bunga dan syariah dari pihak Total interest and sharia income from related parties
berelasi untuk tahun yang berakhir pada tanggal for the years ended December 31, 2023 and 2022
31 Desember 2023 dan 2022 masing-masing amounted to Rp26,236,406 and Rp34,329,918
adalah sebesar Rp26.236.406 dan Rp34.329.918 respectively (Note 39).
(Catatan 39).
30. BEBAN BUNGA DAN SYARIAH 30. INTEREST AND SHARIA EXPENSES
Tahun yang berakhir
Pada tanggal 31 Desember/
Years ended December 31,
2023 2022
Simpanan dana pihak ketiga Third party deposits
Deposito 831.833.370 641.002.657 Time deposits
Tabungan 135.286.864 116.774.716 Savings deposits
Giro 97.105.785 53.650.627 Demand deposits
Negotiable Certificate Deposits 18.551.748 5.132.618 Negotiable Certificate Deposits
Simpanan dari bank lain Deposits from other banks
Call money 24.553.240 16.525.592 Call money
Efek-efek yang diterbitkan 144.948.333 133.908.333 Securities issued
Amortisasi emisi obligasi 5.382.435 4.643.199 Amortisation of bonds issuance cost
Jumlah 1.257.661.775 971.637.742 Total
Jumlah beban bunga dan syariah dari pihak berelasi Total interest and sharia expenses from related
untuk tahun yang berakhir pada tanggal parties for the years ended December 31, 2023 and
Desember 31, 2023 dan 2022 masing-masing 2022 amounted to Rp33,127,025 and Rp23,911,683
adalah sebesar Rp33.127.025 dan Rp23.911.683 respectively (Note 39).
(Catatan 39).
126
Page 600
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
31. PENDAPATAN OPERASIONAL LAINNYA - LAIN- 31. OTHER OPERATING INCOME - OTHERS - NET
LAIN - BERSIH
Tahun yang berakhir
Pada tanggal 31 Desember/
Years ended December 31,
2023 2022
Pendapatan biaya administrasi Receipt of administrative charges
jasa perbankan 63.414.450 35.322.529 for banking services
Penerimaan kredit yang telah
dihapus buku 47.297.306 267.074.723 Gain on written-off loan
Keuntungan transaksi spot 35.422.092 20.546.247 Gain from Spot transaction
Keuntungan transaksi forward 11.313.000 3.637.200 Gain from Forward transaction
Pendapatan rekening tidak aktif, Income from inactive accounts,
denda saldo minimum, minimum deposit penalty,
dan penggantian buku 8.807.499 2.846.819 saving account replacement
Denda keterlambatan 8.322.473 8.350.456 Penalty income
Komisi atas Internet Commission on Internet
dan Mobile Banking 5.719.435 6.022.481 and Mobile Banking
Laba transaksi swap 1.559.855 858.950 Swap transaction profits
Pendapatan dari transaksi ATM 709.523 1.028.828 Income from ATM transaction
Pendapatan transaksi Income from
letter of credit 282.474 106.950 letter of credit transactions
(Kerugian)/keuntungan yang belum Unrealized (loss)/gain from
terealisasi transaksi derivatif 202.833 (1.557.424) derivatives transactions
Pendapatan transaksi BIFAST 3.364 - Income from BIFAST transactions
Penerimaan atas penjualan Receipt from sales of
pembiayaan - 5.897.780 financing
(Beban)/pendapatan administrasi Other administrative operational
operasional lainnya 5.907.880 (1.482.453) (expense)/income
Jumlah 188.962.184 348.653.086 Total
32. BEBAN PENYISIHAN KERUGIAN PENURUNAN 32. PROVISION FOR IMPAIRMENT LOSSES ON
NILAI ASET KEUANGAN DAN NON-KEUANGAN FINANCIAL AND NON-FINANCIAL ASSETS
Beban/(pendapatan) penyisihan kerugian Provision for impairment losses expenses/(income)
penurunan nilai aset keuangan: on financial assets are as follows:
Tahun yang berakhir
Pada tanggal 31 Desember/
Years ended December 31,
2023 2022
Pinjaman yang diberikan 245.414.162 183.850.936 Loans
Pendapatan bunga dan syariah Interest and sharia
masih akan diterima (3.814.474) 45.266.724 income receivables
Bank Garansi 306.126 (5.102.318) Bank Guarantee
Efek-efek 396.514 (3.718.845) Marketable securities
Aset lain-lain 206.792 3.662.834 Other assets
Jumlah 242.509.120 223.959.331 Total
Beban penyisihan kerugian penurunan nilai aset Provision of for impairment losses of non-financial
non-keuangan: assets:
Tahun yang berakhir
Pada tanggal 31 Desember/
Years ended December 31,
2023 2022
Agunan yang diambil alih (54.964.162) 47.616.890 Foreclosed assets
127
Page 601
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
33. BEBAN UMUM DAN ADMINISTRASI 33. GENERAL AND ADMINISTRATIVE EXPENSES
Tahun yang berakhir
Pada tanggal 31 Desember/
Years ended December 31,
2023 2022
Premi penjaminan 41.124.423 38.811.438 Insurance premium
Penyusutan 21.974.327 26.022.323 Depreciation
Pungutan OJK Tahunan 12.691.827 10.750.852 Annual fee OJK
Sewa gedung dan kendaraan 12.237.699 8.930.140 Building and vehicle rental
Internet and Mobile
Biaya Internet dan Mobile Banking 10.819.246 11.814.993 Banking expenses
Jasa profesional 8.834.519 8.240.755 Professional fees
Pemeliharaan dan perbaikan 7.521.077 11.560.916 Repairs and maintenance
Iklan dan promosi 6.633.047 2.541.663 Advertising and promotion
Asuransi 6.485.461 3.607.373 Insurance
Pengembangan teknologi 5.968.971 5.047.177 Technology development
Telepon, telex dan faksimili 5.780.067 4.728.931 Telephone, telex and faximile
Pendidikan dan pengembangan 4.955.120 3.491.307 Study and development
Beban bunga atas liabilitas sewa 2.854.679 1.002.883 Interest expense of lease liabilities
Pemakaian listrik, gas
dan air minum 2.266.453 2.356.214 Electricity, gases and waters
Biaya jasa pihak ketiga 2.181.896 2.083.580 Third party fee
Barang cetakan dan alat tulis 1.970.579 1.748.441 Printing items and stationery
Amortisasi aset tak berwujud 1.627.621 1.971.323 Amortisation of intangible assets
Transportasi 1.174.517 851.550 Transportation
Biaya iuran lainnya 1.005.878 950.289 Other contribution fees
Biaya tanggung jawab Corporate Social Responsibilty
sosial perusahaan 179.611 238.216 expenses
Pemasaran 141.150 220.679 Marketing
Biaya kurir 84.565 78.629 Courier expenses
Surat kabar dan majalah 44.294 39.262 Newspaper and magazines
Benda pos dan materai 16.241 56.343 Postage and stamp
Kerugian operasional - 73.460 Operational losses
Biaya umum lainnya 326.578 1.344.831 Other general expenses
Jumlah 158.899.846 148.563.568 Total
Biaya umum lainnya terutama terdiri dari biaya Other general expenses mainly consist of security
keamanan dan kebersihan, biaya fotokopi, biaya and cleaning expenses, cleaning equipment
alat kebersihan, biaya makelar dan administrasi expenses, broker, and bank charges with
bank yang secara individual nilainya tidak signifikan. insignificant individual balances.
34. BEBAN TENAGA KERJA 34. PERSONNEL EXPENSES
Tahun yang berakhir
Pada tanggal 31 Desember/
Years ended December 31,
2023 2022
Gaji dan tunjangan 116.870.901 115.719.729 Salaries and allowance
Tunjangan Hari Raya dan bonus 16.022.794 24.228.796 Holiday entitlements and bonuses
Biaya jasa tenaga kerja 10.130.122 11.376.916 Outsourcing service expenses
Imbalan pasca kerja 8.187.626 7.170.426 Post-employment benefits
Biaya jaminan kesehatan dan pensiun 3.174.692 3.416.290 Health and pension insurance
Lembur 549.835 746.072 Overtime
Pesangon dan biaya Severance pay and other
apresiasi lainnya 2.219.540 372.760 appreciation expense
Jumlah 157.155.510 163.030.989 Total
128
Page 602
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
34. BEBAN TENAGA KERJA (lanjutan) 34. PERSONNEL EXPENSES (continued)
Termasuk dalam beban tenaga kerja adalah Included in the personnel expenses are
kompensasi yang diberikan kepada manajemen dan compensation to key management and employees
karyawan kunci (Catatan 39). (Note 39).
35. BEBAN OPERASIONAL LAINNYA - LAIN-LAIN 35. OTHER OPERATING EXPENSES - OTHERS
Tahun yang berakhir
Pada tanggal 31 Desember/
Years ended December 31,
2023 2022
Rugi atas modifikasi pinjaman
yang diberikan 48.938.923 53.525.163 Loss on loan modification
Rugi transaksi valuta asing 53.724.747 35.541.580 Loss on foreign exchange transaction
Beban administrasi dan kliring 7.182.754 5.191.778 Administration and clearing expenses
Beban pajak 6.486.145 1.780.159 Tax expenses
Beban membership ATM dan ATM membership and annual
iuran tahunan ATM 4.147.620 4.726.576 fee ATM expenses
Biaya penghapus-bukuan Loan insurance receivables
tagihan asuransi kredit 2.547.631 2.689.950 write-off expenses
Biaya provisi dan komisi dana 1.280.393 933.194 Provision and commission funds
Beban parkir dan tol 1.096.489 1.287.350 Parking and toll expenses
Beban pemasaran 324.360 300.543 Marketing expenses
Beban representasi Representation and
dan jamuan 246.227 131.771 entertainment expenses
Beban keperluan kantor 138.104 145.377 Office supplies expenses
Kerugian belum direalisasi atas Unrealized loss from
Transaksi derivatif 74.058 1.145.144 derivatives transactions
Beban sumbangan 77.050 42.238 Donation expenses
Biaya operasional lainnya 212.049 4.661.453 Other operational expenses
Jumlah 126.476.550 112.102.276 Total
36. BEBAN (PENDAPATAN) NON-OPERASIONAL - 36. NON-OPERATING EXPENSES (INCOME) - NET
BERSIH
Tahun yang berakhir
Pada tanggal 31 Desember/
Years ended December 31,
2023 2022
Pendapatan non-operasional: Non-operating income:
Laba revaluasi valuta asing (17.561.150) (20.023.007) Gain on foreign exchange revaluation
Laba penjualan AYDA (14.338.270) (4.851.065) Gain on sale of foreclosed assets
Hasil sewa (156.735) (85.320) Rent income
Pendapatan dari Ta’widh - (37.100) Gain from Ta’widh
Pendapatan lainnya (2.527.327) (846.453) Others
Beban non-operasional: Non-operating expense:
Rugi penjualan AYDA 64.258.318 76.921.474 Loss on sale of foreclosed assets
Laba/(rugi) penjualan aset tetap Gain/(loss) on sale of fixed assets
(Catatan 14) 3.636.801 (217.726) (Note 14)
Rugi penjualan properti terbengkalai 2.318.310 - Loss on sale of abandoned property
Rugi penurunan nilai aset tetap 1.450.000 - Loss on impairment of fixed assets
Beban non-operasional lainnya 7.454.960 6.274.809 Other non-operational expenses
Beban non-operasional - bersih 44.534.907 57.135.612 Non-operating expense - net
129
Page 603
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
36. PENDAPATAN (BEBAN) NON-OPERASIONAL – 36. NON-OPERATING INCOME (EXPENSES) – NET
BERSIH (lanjutan) (continued)
Pendapatan lainnya terutama terdiri dari diskon Other income mainly consist of discount on voucher
pembelian kupon belanja, dan selisih lebih cash purchase, and difference in cash count.
count.
Beban non operasional lainnya terutama terdiri dari Other non-operational expenses mainly consist of
biaya hadiah hari raya, denda-denda, sumbangan holiday gift, fines, donation, and penalty with
dan sanksi yang secara individual nilainya tidak insignificant individual balances.
signifikan.
37. LABA PER SAHAM 37. INCOME PER SHARE
Laba per saham dasar dihitung dengan membagi Basic income per share is calculated by dividing the
laba tahun berjalan yang dapat diatribusikan kepada income for the year attributable to the Bank’s
pemilik Bank dengan jumlah rata-rata tertimbang shareholders with the weighted-average number of
saham biasa yang beredar pada tahun ordinary shares outstanding during the year.
bersangkutan.
Laba per saham dilusian dihitung dengan membagi Diluted income per share is calculated by dividing
laba bersih dengan rata-rata tertimbang jumlah net income by the weighted average number of
saham yang beredar ditambah dengan rata-rata shares outstanding plus the weighted average
tertimbang jumlah saham yang akan diterbitkan atas number of shares outstanding which would be
konversi efek yang berpotensi saham yang bersifat issued on the conversion of the dilutive potential
dilutif. shares.
Tahun yang berakhir
Pada tanggal 31 Desember/
Years ended December 31,
2023 2022
Laba tahun berjalan yang dapat Income for the year
diatribusikan kepada pemilik attributable to equity holders of the
Entitas Induk Parent Company
Laba tahun berjalan yang Income for the year
dapat diatribusikan kepada pemilik attributable to equity holders of the
Entitas Induk untuk Parent Company to be accounted
perhitungan laba per saham for basic and diluted earnings
dasar dan dilusian 101.816.341 226.173.453 per share
Jumlah rata-rata tertimbang Weighted-average common stock
saham biasa untuk for computation of basic
perhitungan laba per saham dasar 15.848.235 11.795.945 earnings per share
Jumlah waran yang beredar Outstanding warrants for
untuk perhitungan laba computation of
per saham 2.573.669 2.573.670 basic earnings per share
Jumlah rata-rata tertimbang Weighted-average common stock
saham biasa untuk perhitungan for computation of diluted
laba per saham dilusian 15.848.235 11.795.945 earnings per share
Laba per saham dasar Basic income per share
(dalam Rupiah penuh) 6,42 19,17 (in Rupiah full amount)
Laba per saham dasar dilusian Diluted income per share
(dalam Rupiah penuh) 6,42 19,17 (in Rupiah full amount)
130
Page 604
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
38. TRANSAKSI NON-KAS 38. NON-CASH TRANSACTIONS
Transaksi non-kas yang penting adalah perolehan The principal non-cash transaction is acquisition of
agunan yang diambil alih sebagaimana yang telah foreclosed assets, as discussed in Note 15.
dijabarkan dalam Catatan 15.
Transaksi non-kas dari rekonsiliasi liabilitas yang Non-cash transaction from net debt reconciliation
timbul dari aktivitas pendanaan adalah sebagai affected from financing activities as it follows:
berikut:
31 Desember/December 31, 2023
Perubahan
Saldo awal/ Arus kas/ non-kas/ Saldo akhir/
Beginning Balance Cash flow Non-cash activity Ending Balance
Efek-efek yang diterbitkan 1.051.903.552 300.000.000 (4.264.024) 1.347.639.528 Securities Issued
Liabilitas sewa 33.100.288 (10.757.017) 24.966.255 47.309.526 Lease liabilities
Jumlah 1.085.003.840 289.242.983 20.702.231 1.394.949.054 Total
31 Desember/December 31, 2022
Dampak
kehilangan
pengendalian
Perubahan entitas anak/
Saldo awal/ non-kas/ Loss of Saldo akhir/
Beginning Arus kas/ Non-cash control on Ending
Balance Cash flow activity Subsidiary Balance
Efek-efek yang diterbitkan 1.348.520.029 (300.000.000) 3.383.523 - 1.051.903.552 Securities Issued
Pinjaman dari bank lain 50.000.000 (50.000.000) - - - Borrowings
Liabilitas sewa 15.631.796 (10.958.755) 32.199.554 (3.772.307) 33.100.288 Lease liabilities
Jumlah 1.414.151.825 (360.958.755) 35.583.077 (3.772.307) 1.085.003.840 Total
39. INFORMASI MENGENAI PIHAK-PIHAK 39. INFORMATION OF RELATED PARTIES
BERELASI
Sifat Hubungan Nature of Relationship
Pihak-pihak berelasi adalah perusahaan dan Related parties are companies and individuals who
perorangan yang mempunyai keterkaitan have ownership or management relationship directly
kepemilikan atau kepengurusan secara langsung or indirectly with the Bank as stated in Note 2af.
maupun tidak langsung dengan Bank sebagaimana
diungkapkan pada Catatan 2af.
Pihak berelasi/ Sifat dari hubungan/ Sifat dari transaksi/
Related parties Nature of relationship Nature of transaction
PT Victoria Investama Tbk Pemegang saham/Shareholder Simpanan nasabah, pinjaman yang
diberikan/Deposits from customers,
loans
PT Bank Victoria Syariah Dimiliki oleh pemegang saham Simpanan dari bank lain/Deposits
utama/under common control from other banks
PT Victoria Sekuritas Indonesia Dimiliki oleh pemegang saham Simpanan nasabah, pinjaman yang
utama/Under common control diberikan/Deposits from customers,
loans
PT Victoria Insurance Dimiliki oleh pemegang saham Simpanan nasabah,pinjaman yang
utama/Under common control Diberikan, asuransi aset
tetap dan asuransi kas/
Deposits from customers,
loans, fixed assets insurance
and cash insurance
PT Victoria Alife Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
131
Page 605
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
39. INFORMASI MENGENAI PIHAK-PIHAK 39. INFORMATION OF RELATED PARTIES
BERELASI (lanjutan) (continued)
Pihak berelasi/ Sifat dari hubungan/ Sifat dari transaksi/
Related parties Nature of relationship Nature of transaction
PT Victoria Manajemen Investasi Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Merak Energi Indonesia Dimiliki oleh pemegang saham Simpanan nasabah, pinjaman yang
utama/Under common control diberikan/Deposits from customers,
loans
PT Tridaya Investindo (d/h Dimiliki oleh pemegang saham Simpanan nasabah, pinjaman yang
PT BIP Tridaya Propertindo) utama/Under common control diberikan/Deposits from customers,
Loans
PT Grha Swahita Dimiliki oleh pemegang saham Simpanan nasabah, pinjaman yang
utama/Under common control diberikan/Deposits from customers,
loans
PT Padi Unggul Indonesia Dimiliki oleh pemegang saham Simpanan nasabah/ Deposit from
utama/Under common control customers
PT BIP Loka Kencana Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT BIP Sentosa Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Studio One Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Asri Kencana Gemilang Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Artoda Karya Gemilang Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Bhuwanatala Indah Permai Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Frogurt Sari Indonesia Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Emperor Finance Indonesia Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Grata Mulia Pratama Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Putra Asih Laksana Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Suryayudha Investindo Cipta Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT GMT Investama Mandiri Tbk Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Dwimagna Kapital Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Jaya Bhakti Mandiri Dimiliki oleh pemegang saham Pinjaman yang diberikan/Loans
utama/Under common control
132
Page 606
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
39. INFORMASI MENGENAI PIHAK-PIHAK 39. INFORMATION OF RELATED PARTIES
BERELASI (lanjutan) (continued)
Pihak berelasi/ Sifat dari hubungan/ Sifat dari transaksi/
Related parties Nature of relationship Nature of transaction
PT Magna Investa Mandiri Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Bintang Jaya Bara Sentosa Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT BIP Boga Entertainment Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT BIP Boga Permai Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Bumi Semesta Lestari Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Cahaya Medika Health Care Dimiliki oleh pemegang saham Pinjaman yang diberikan/Loans
utama/Under common control
PT Prolestari Mega Persada Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Regis Pratama Indonesia Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Surya Cakra Multi Sarana Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Verena Kapital Dimiliki oleh pemegang saham Simpanan nasabah/Deposits from
utama/Under common control customers
PT Sulfindo Adiusaha Dimiliki oleh pemegang saham Simpanan nasabah, Bank Garansi/
utama/Under common control Deposits from customers, Bank
Guarantee
PT Nata Patindo Pemegang saham/Shareholder Simpanan nasabah/Deposits from
customers
Suzanna Tanojo Pemegang saham pengendali/ Simpanan nasabah/Deposits from
Controlling Shareholder customers
Christine Tanojo Pemegang saham/Shareholder Simpanan nasabah/Deposits from
customers
Luciana Tanoyo Hubungan keluarga dengan Suzanna Simpanan nasabah/Deposits from
Tanojo/Relative of Suzanna Tanojo customers
Dewan Komisaris, Direksi dan pejabat Manajemen dan karyawan kunci/ Simpanan nasabah, pinjaman yang
eksekutif Bank/Board of Key management and employees diberikan/Deposits from customers,
Commissioners, Directors and loans
executive officers of the Bank
Dewan Komisaris, Direksi dan pejabat Manajemen dan karyawan kunci/ Simpanan nasabah, pinjaman yang
Eksekutif Entitas Asosiasi/Board of Key management and employees diberikan/Deposits from customers,
Commissioners, Directors and loans
executive officers of Associated Entity
133
Page 607
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
39. INFORMASI MENGENAI PIHAK-PIHAK 39. INFORMATION OF RELATED PARTIES
BERELASI (lanjutan) (continued)
Transaksi dengan pihak-pihak berelasi Transactions with related parties
Transaksi-transaksi dengan pihak-pihak berelasi Transactions with related parties are as follows:
adalah sebagai berikut:
31 Desember/December 31,
2023 2022
Aset Assets
Pinjaman yang diberikan - bruto
(Catatan 11) Loans - gross (Note 11)
PT Sulfindo Adiusaha 91.067.628 - PT Sulfindo Adiusaha
PT Victoria Investama Tbk 24.301.030 24.997.847 PT Victoria Investama Tbk
PT Grha Swahita 20.031.085 16.428.215 PT Grha Swahita
PT Victoria Insurance Indonesia 286.816 847.601 PT Victoria Insurance Indonesia
PT Cahaya Medika Health Care 21.130 11.549 PT Cahaya Medika Health Care
PT Jaya Bhakti Mandiri 12.568 6.228 PT Jaya Bhakti Mandiri
PT Tri Daya Investindo (d/h PT Tri Daya Investindo (formerly
PT BIP Tridaya Propertindo) - - PT BIP Tridaya Propertindo)
PT Victoria Sekuritas Indonesia - 14.959.723 PT Victoria Securities Indonesia
Boards of Commissioners,
Dewan Komisaris, Direksi dan Directors and executive
pejabat eksekutif Entitas Asosiasi 3.167.507 14.623.256 officers of Associated Entity
Dewan Komisaris, Direksi dan Boards of Commissioners, Directors
pejabat eksekutif Bank 5.008.677 1.391.264 and executive officers of the Bank
Jumlah pinjaman
yang diberikan - bruto 143.896.441 73.265.683 Total loans - gross
Persentase terhadap jumlah aset 0,49% 0,29% Percentage from total assets
Liabilitas Liabilities
Simpanan nasabah (Catatan 18) Deposits from customers (Note 18)
Giro 652.841.415 246.769.560 Demand deposits
Tabungan 27.996.913 54.402.780 Savings deposits
Deposito berjangka 618.884.872 84.438.138 Time deposits
Negotiable Certificate Deposits 98.246.827 1.716.831 Negotiable Certificate Deposits
Jumlah 1.397.970.027 387.327.309 Total
Simpanan dari Bank Lain (Catatan 19) Deposits from other banks (Note 19)
Giro 478.732 167.870 Demand deposits
Persentase terhadap jumlah liabilitas 5,42% 1,74% Percentage from total liabilities
Pendapatan bunga dan syariah
(Catatan 29) 26.236.406 34.329.918 Interest and sharia income (Note 29)
Persentase terhadap jumlah Percentage from
pendapatan bunga dan syariah 1,42% 2,01% total interest and sharia income
Beban bunga dan syariah (Catatan 30) 33.127.025 23.911.683 Interest and sharia expenses (Note 30)
Persentase terhadap jumlah Percentage from total interest
beban bunga dan syariah 2,63% 2,46% and sharia expenses
134
Page 608
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
39. INFORMASI MENGENAI PIHAK-PIHAK 39. INFORMATION OF RELATED PARTIES
BERELASI (lanjutan) (continued)
Transaksi dengan pihak-pihak berelasi (lanjutan) Transactions with related parties (continued)
Transaksi-transaksi dengan pihak-pihak berelasi Transactions with related parties are as follows:
adalah sebagai berikut: (lanjutan) (continued)
31 Desember/December 31,
2023 2022
Beban tenaga kerja (Catatan 34) Personnel expenses (Note 34)
Gaji dan tunjangan Dewan Salaries and allowances of the Boards of
Komisaris, Direksi dan Commissioners, Directors
pejabat eksekutif 45.322.700 33.350.663 and executive officers
Persentase terhadap jumlah Percentage from
beban tenaga kerja 28,84% 20,46% total personnel expenses
Liabilitas komitmen dan Liabilities commitments and
kontinjensi (Catatan 40) contingencies (Note 40)
Fasilitas pinjaman yang belum
digunakan (17.037.130) (17.296.162) Unused loans facilities
Garansi yang diterbitkan - Guarantees issued -
pihak berelasi (271.300) (2.497.607) related parties
Jumlah (17.308.430) (19.793.769) Total
Persentase terhadap jumlah liabilitas Percentage from total commitments
komitmen dan kontinjensi - bersih 0,28% 0,49% and contingencies liabilities - net
Tabel berikut merupakan kisaran tingkat suku bunga The following table summarises the range of
kontraktual per tahun atas transaksi dengan pihak- contractual interest rates per annum for transactions
pihak berelasi untuk tahun yang berakhir pada with related parties for the years ended December
tanggal 31 Desember 2023 dan 2022: 31, 2023 and 2022:
Tingkat suku bunga per 31 Desember/
Interest rate as of December 31,
2023 2022
Aset Assets
Pinjaman yang diberikan - bersih
(Catatan 11) 5,00% - 13,00% 5,00% - 12,00% Loans - net (Note 11)
Liabilitas Liabilities
Simpanan nasabah (Catatan 18) Deposits from customers (Note 18)
Giro 0,00% - 5,75% 0,00% - 3,75% Demand deposits
Tabungan 0,00% - 5,00% 0,00% - 5,00% Savings deposits
Deposito berjangka 2,25% - 7,00% 1,50% - 6,00% Time deposits
Negotiable Certificated Deposits 6,50% - 7,00% 6,50% Negotiable Certificate of Deposits
Simpanan dari bank lain (Catatan 19) Deposits from other bank (Note 19)
Giro 0,50% 1,50% 0,50% - 1,50% Demand depositss
135
Page 609
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
39. INFORMASI MENGENAI PIHAK-PIHAK 39. INFORMATION OF RELATED PARTIES
BERELASI (lanjutan) (continued)
Transaksi dengan pihak-pihak berelasi (lanjutan) Transactions with related parties (continued)
Bank memberikan kompensasi kepada Dewan The Bank provided compensation to Board of
Komisaris, Direksi dan pejabat eksekutif untuk tahun Commissioners, Directors and executive officers for
yang berakhir pada tanggal 31 Desember 2023 dan the years ended December 31, 2023 and 2022 as
2022 sebagai berikut: follows:
31 Desember/December 31,
2023 2022
Dewan Komisaris: Board of Commissioners:
Imbalan kerja jangka pendek* 4.955.125 2.916.015 Short-term employee benefits*
Direksi: Directors:
Imbalan kerja jangka pendek* 16.956.764 10.660.313 Short-term employee benefits*
Pejabat eksekutif: Executive officers:
Imbalan kerja jangka pendek* 23.410.812 19.774.335 Short-term employee benefits*
Jumlah 45.322.701 33.350.663 Total
*Terdiri dari gaji, tunjangan, THR, dan bonus Consist of salaries, allowances, THR and bonuses*
Tidak ada kompensasi dalam bentuk imbalan pasca There are no compensation of post-employment
kerja, imbalan kerja jangka panjang lainnya, benefits, other long-term benefits, termination
pesangon pemutusan kontrak kerja dan benefits and share-based payment to the Boards of
pembayaran berbasis saham kepada Dewan Commisioners and Directors.
Komisaris dan Direksi.
40. KOMITMEN DAN KONTINJENSI 40. COMMITMENTS AND CONTINGENCIES
Ikhtisar komitmen dan kontinjensi Bank yang The following is the summary of the Bank's
dinyatakan dalam nilai kontrak adalah sebagai commitments and contingencies at contractual
berikut: amounts:
31 Desember/December 31,
2023 2022
Komitmen Commitments
Liabilitas komitmen: Commitment liabilities:
Fasilitas pinjaman yang belum
digunakan: Unused loan facilities:
Pihak ketiga (5.280.610.008) (4.016.397.640) Third parties
Pihak berelasi (17.037.130) (17.296.162) Related parties
Liabilitas komitmen - bersih (5.297.647.138) (4.033.693.802) Commitment liabilities - net
Kontinjensi Contingencies
Tagihan kontinjensi: Contingent receivables:
Pendapatan bunga atas pinjaman Interest receivables on non-performing
bermasalah - pihak ketiga 311.523.645 364.247.996 loans - third parties
Liabilitas kontinjensi: Contingent liabilities:
Garansi yang diterbitkan - pihak berelasi (271.300) (2.497.607) Guarantees issued - related parties
Garansi yang diterbitkan - pihak ketiga (982.531.650) (345.129.999) Guarantees issued - third parties
Letter of Credit (60.563.964) (18.705.728) Letter of Credit
Kontinjensi - bersih (731.843.269) (2.085.338) Contingent - net
Jumlah liabilitas komitmen dan Total commitment and
kontinjensi - bersih (6.029.490.407) (4.035.779.140) contingencies liabilities - net
136
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The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
40. KOMITMEN DAN KONTINJENSI (lanjutan) 40. COMMITMENTS AND CONTINGENCIES
(continued)
Pada tanggal 31 Desember 2023 dan 2022, tidak As of December 31, 2023 and 2022, there are no
terdapat komitmen dan kontinjensi signifikan lainnya significant commitments and contingencies other
selain komitmen dan kontinjensi yang telah than the aforementioned commitments and
diungkapkan di atas. contingencies.
41. PERJANJIAN PENTING 41. SIGNIFICANT AGREEMENT
Perjanjian Implementasi Sistem Aplikasi Implementation of Application Integrated
Terintegrasi Transaksi Manajemen - PT Sigma Transaction Management - PT Sigma Cipta
Cipta Caraka Caraka
Pada tanggal 26 Agustus 2014, Bank dan PT Sigma On August 26, 2014, Bank and PT Sigma Cipta
Cipta Caraka telah menandatangani Perjanjian Caraka have signed Application Integrated
Aplikasi Terintegrasi Transaksi Manajemen, dimana Transaction Management, in which PT Sigma Cipta
PT Sigma Cipta Caraka setuju untuk memberikan Caraka agrees to distribute Integrated Transaction
layanan jasa untuk membuat sistem untuk operasi Management Application for Bank’s business
bisnis Bank. operation.
Berdasarkan perjanjian ini, PT Sigma Cipta Caraka Based on this agreement, PT Sigma Cipta Caraka
memiliki hak dan kewajiban sebagai berikut: have right and obligation as follows:
1. PT Sigma Cipta Caraka berhak mendapatkan 1. PT Sigma Cipta Caraka is entitled to receive
pembayaran dari Bank; payment from the Bank;
2. PT Sigma Cipta Caraka wajib memberikan 2. PT Sigma Cipta Caraka is obligated to give the
lisensi aplikasi kepada Bank; license of the application to the Bank;
3. PT Sigma Cipta Caraka wajib membuat aplikasi 3. PT Sigma Cipta Caraka is obligated to customize
sesuai dengan keinginan Bank; the application according to Bank’s request;
4. PT Sigma Cipta Caraka wajib membuat laporan 4. PT Sigma Cipta Caraka is obligated to make
kemajuan proses implementasi; dan official report for implementation process
progress; and
5. PT Sigma Cipta Caraka wajib memastikan 5. PT Sigma Cipta Caraka is obligated to ensure
program telah benar untuk mencegah the programs to prevent errors.
kesalahan.
Berdasarkan Addendum VI No.461/SCC/BVIC/B/19 According to Addendum VI No.461/SCC/BVIC/B/19
tanggal 24 Juli 2019, jangka waktu perjanjian diubah dated July 24, 2019, the term of the agreement was
menjadi tanpa jangka waktu hingga salah satu pihak changed to no time period until one of the party
melakukan pengakhiran perjanjian. terminates the agreement.
Biaya jasa yang telah dibayarkan sampai dengan Service fees paid as of December 31, 2023 and
31 Desember 2023 dan 2022 adalah sebesar: 2022 are amounted:
31 Desember/December 31,
2023 2022
Rupiah 1.623.875 4.219.893 Rupiah
Perjanjian Implementasi Sistem Aplikasi Implementation of Application Integrated
Terintegrasi Transaksi Manajemen - PT Panen Transaction Management - PT Panen Berkah
Berkah Solusi Solusi
Pada tanggal 21 Juni 2022, Bank dan PT Panen On June 21, 2022, the Bank and PT Panen Berkah
Berkah Solusi telah menandatangani Perjanjian Solusi has signed an AS400 Server Maintenance
Pemeliharaan Server AS400, dimana PT Panen Agreement, whereby PT Panen Berkah Solusi
Berkah Solusi setuju untuk memberikan layanan agreed to provide AS400 server maintenance
jasa pemeliharaan server AS400 untuk operasi services for the Bank's operations.
Bank.
137
Page 611
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
41. PERJANJIAN PENTING (lanjutan) 41. SIGNIFICANT AGREEMENT (continued)
Perjanjian Implementasi Sistem Aplikasi Implementation of Application Integrated
Terintegrasi Transaksi Manajemen - PT Panen Transaction Management - PT Panen Berkah
Berkah Solusi (lanjutan) Solusi (continued)
Berdasarkan perjanjian ini, PT Panen Berkah Solusi Based on this agreement, PT Panen Berkah Solusi
memiliki hak dan kewajiban sebagai berikut: has the following rights and obligations:
1. PT Panen Berkah Solusi berhak mendapatkan 1. PT Panen Berkah Solusi is entitled to receive
pembayaran dari Bank; payment from the Bank;
2. PT Panen Berkah Solusi, wajib menyediakan 2. PT Panen Berkah Solusi, is required to provide
jasa tenaga kerja sesuai kemampuan teknis; labor services according to technical capabilities;
3. PT Panen Berkah Solusi, wajib memberikan 3. PT Panen Berkah Solusi, is required to provide
informasi tertulis kepada Bank yang diperlukan written information to the Bank that is needed in
dalam penyelesaian tugas; completing the task;
4. PT Panen Berkah Solusi, wajib mengirimkan 4. PT Panen Berkah Solusi, must send spare parts
suku cadang kepada Bank; to the Bank;
5. PT Panen Berkah Solusi, wajib melakukan 5. PT Panen Berkah Solusi, must visit every two
kunjungan setiap dua bulan untuk melakukan months to check all devices;
pengecekan pada semua perangkat.
6. PT Panen Berkah Solusi, berhak melakukan 6. PT Panen Berkah Solusi, has the right to bill for
penagihan atas jasa penyediaan suku cadang; spare parts supply services;
7. PT Panen Berkah Solusi, wajib menyediakan 7. PT Panen Berkah Solusi, must provide all the
semua kebutuhan suku cadang yang diperlukan spare parts needed for machine repair;
dalam rangka perbaikan mesin;
8. PT Panen Berkah Solusi bersedia di audit oleh 8. PT Panen Berkah Solusi is willing to be audited
auditor internal Bank atau Otoritas Jasa by the Bank's internal auditor or the Financial
Keuangan atau pihak eksternal yang ditunjuk Services Authority or an external party appointed
oleh Bank; dan by the Bank; and
9. PT Panen Berkah Solusi, wajib melaporkan 9. PT Panen Berkah Solusi, is required to report to
kepada Bank setiap kejadian kritis yang dapat the Bank every critical incident that may result in
mengakibatkan kerugian/menganggu losses/disturb the smooth operation of the Bank.
kelancaran operasional Bank.
Surat perjanjian tertanggal 21 Juni 2022 pada The agreement dated June 21, 2022 on the
terhadap perjanjian kerja sama antara Bank agreement between the Bank and PT Panen Berkah
dan PT Panen Berkah Solusi pada Solusi under No.016/SPK/PBS/VI/2022 states that
No.016/SPK/PBS/VI/2022 bahwa jangka waktu the term of the agreement is from June 21, 2022
perjanjian adalah sejak tanggal 21 Juni 2022 until June 20, 2023, as amended in the Agreement
sampai dengan 20 Juni 2023, sebagaimana telah Addendum No.027/SPK/PBS/VII/2023 dated July 12,
diubah pada Adendum perjanjian 2023, the term of the agreement is from June 20,
No.027/SPK/PBS/VII/2023 tanggal 12 Juli 2023, 2023 until June 19, 2024.
jangka waktu perjanjian adalah sejak tanggal 20
Juni 2023 sampai dengan 19 Juni 2024.
Biaya jasa yang telah dibayarkan sampai dengan Service fees paid as of December 31, 2023 and
31 Desember 2023 dan 2022 yang termasuk dalam 2022 included in this agreement are amounted:
perjanjian ini adalah sebesar:
31 Desember/December 31,
2023 2022
Rupiah 226.440 222.360 Rupiah
138
Page 612
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
42. KEPENTINGAN NONPENGENDALI 42. NON-CONTROLLING INTEREST
Perubahan kepentingan nonpengendali atas The changes in the non-controlling interest in the net
kekayaan bersih Bank adalah sebagai berikut: assets of the Bank is as follows:
Tahun yang berakhir
Pada tanggal 31 Desember/
Years ended December 31,
2023 2022
Saldo awal tahun - 17.327 Balance at beginning of the year
Bagian kepentingan nonpengendali Profit/(loss) for the attributable
atas laba/(rugi) tahun berjalan - - year to non-controlling interest
Other comprehensive income
Bagian kepentingan nonpengendali attributable to
atas laba komprehensif lainnya - - non-controlling interest
Bagian kepentingan nonpengendali Unrealised gains/(losses)
atas keuntungan/(kerugian) on changes in fair value
yang belum direalisasi atas of marketable securities
perubahan nilai wajar measured at FVOCI
efek-efek yang diukur pada FVOCI in Subsidiary’s equity to
di dalam ekuitas Entitas Anak - - non-controlling interest
Divestasi entitas anak (Catatan 48) - (17.327) Divestment of subsidiary (Note 48)
Saldo akhir tahun - - Balance at the end of the year
43. INFORMASI SEGMEN USAHA 43. SEGMENT INFORMATION
a. Bidang usaha a. Business activities
Nama Perusahaan/Company Bidang Usaha/Business Activities
PT Bank Victoria International Tbk Perbankan Konvensional/Conventional banking
PT Bank Victoria Syariah Perbankan Syariah/Banking activities based on
Sharia Principles
b. Segmen Usaha b. Business Segment
Segmen Operasi Operating Segment
Berikut adalah informasi segmen Bank The following is the segment information of the
berdasarkan segmen operasi: Bank based on operating segments:
31 Desember/December 31, 2023
Konvensional/ Syariah/ Eliminasi/ Jumlah/
Conventional Sharia Elimination Total
Pendapatan bunga dan Interest and sharia
syariah - bersih 578.729.355 - - 578.729.355 income - net
Pendapatan operasional Other operating
lainnya 253.365.261 - - 253.365.261 income
Beban operasional lainnya (626.226.499) - - (626.226.499) Other operating expense
Income/(loss)
Laba/(rugi) operasional 205.868.117 - - 205.868.117 from operations
Jumlah aset 29.624.240.421 - - 29.624.240.421 Total assets
Jumlah liabilitas 25.799.455.411 - - 25.799.455.411 Total liabilities
139
Page 613
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
43. INFORMASI SEGMEN USAHA (lanjutan) 43. SEGMENT INFORMATION (continued)
b. Segmen Usaha (lanjutan) b. Business Segment (contiued)
Segmen Operasi (lanjutan) Operating Segment (continued)
31 Desember/December 31, 2022
Konvensional/ Syariah/ Eliminasi/ Jumlah/
Conventional Sharia Elimination Total
Pendapatan bunga dan Interest and sharia
syariah - bersih 699.306.521 34.074.148 - 733.380.669 income - net
Pendapatan operasional Other operating
lainnya 377.771.952 6.037.660 (3.606.389) 380.203.223 income
Beban operasional lainnya (663.475.220) (36.042.233) - (699.517.453) Other operating expense
Income/(loss)
Laba/(rugi) operasional 413.603.253 4.069.575 (3.606.389) 414.066.439 from operations
Jumlah aset 25.932.001.125 - - 25.932.001.125 Total assets
Jumlah liabilitas 22.231.537.644 - - 22.231.537.644 Total liabilities
Segmen Geografis Geographic Segment
Berikut ini adalah informasi segmen Bank The following is the business segment
berdasarkan daerah geografis: information of the Bank based on geographical
area:
31 Desember/December 31, 2023
Jawa Tengah
& Jawa Timur
Jadetabek/ Jawa Barat/ /Central & Luar Jawa/ Jumlah/
Jadetabek West Java East Java Non Java Total
Pendapatan bunga dan Interest and sharia
syariah - bersih 605.904.033 7.712.804 (5.953.084) (28.934.398) 578.729.355 income - net
Pendapatan operasional Other operating
lainnya 244.424.786 2.810.354 3.731.919 2.398.202 253.365.261 income
Beban penyisihan kerugian Provision for impairment
penurunan nilai aset losses on financial and
keuangan dan non-keuangan (153.988.492) (1.238.620) (25.868.360) (6.449.486) (187.544.958) non-financial assets
Beban umum dan General and administrative
administrasi, expenses, personnel
tenaga kerja, kerugian atas expenses, unrealized loss
perubahan nilai wajar dan changes of fair value and
lain-lain (410.010.772) (6.792.939) (11.014.661) (10.863.169) (438.681.541) others
Profit (loss) from
Laba (rugi) operasional 286.329.555 2.491.599 (39.104.186) (43.848.851) 205.868.117 operations
Beban non Non-operating
operasional - bersih (76.444.394) (910) 54.764 58.651 (76.331.889) expense - net
Laba (rugi) sebelum beban pajak Profit (loss) before income
penghasilan 209.885.161 2.490.689 (39.049.422) (43.790.200) 129.536.228 tax expense
Beban pajak penghasilan (27.719.887) - - - (27.719.887) Income tax expense
Laba/(rugi) bersih tahun berjalan 182.165.274 2.490.689 (39.049.422) (43.790.200) 101.816.341 Gain/(loss) for the year
Jumlah aset 28.781.506.754 245.131.599 398.882.726 198.719.342 29.624.240.421 Total assets
Jumlah liabilitas 23.861.710.649 260.086.342 756.951.352 920.707.068 25.799.455.411 Total liabilities
140
Page 614
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
43. INFORMASI SEGMEN USAHA (lanjutan) 43. SEGMENT INFORMATION (continued)
b. Segmen Usaha (lanjutan) b. Business Segment (continued)
Segmen Geografis (lanjutan) Geographic Segment (continued)
Berikut ini adalah informasi segmen Bank The following is the business segment
berdasarkan daerah geografis: (lanjutan) information of the Bank based on geographical
area: (continued)
31 Desember/December 31, 2022
Jawa Tengah
& Jawa Timur
Jadetabek/ Jawa Barat/ /Central & Luar Jawa/ Jumlah/
Jadetabek West Java East Java Non Java Total
Pendapatan bunga dan Interest and sharia
syariah - bersih 739.975.235 (410.451) 7.587.788 (13.771.903) 733.380.669 income - net
Pendapatan operasional Other operating
lainnya 372.687.153 901.405 4.884.713 1.729.952 380.203.223 income
Beban penyisihan kerugian Provision for impairment
penurunan nilai aset losses on financial and
keuangan dan non-keuangan (259.895.321) (600.942) (8.898.918) (2.181.040) (271.576.221) non-financial assets
Beban umum dan General and administrative
administrasi, expenses, personnel
tenaga kerja, kerugian atas expenses, unrealized loss
perubahan nilai wajar dan changes of fair value and
lain-lain (383.932.825) (9.193.029) (24.089.876) (10.725.502) (427.941.232) others
Profit (loss) from
Laba (rugi) operasional 468.834.242 (9.303.017) (20.516.293) (24.948.493) 414.066.439 operations
Beban non Non-operating
operasional - bersih (57.197.432) - 61.820 - (57.135.612) expense - net
Laba (rugi) sebelum beban pajak Profit (loss) before income
penghasilan 411.636.810 (9.303.017) (20.454.473) (24.948.493) 356.930.827 tax expense
Beban pajak penghasilan (130.757.374) - - - (130.757.374) Income tax expense
Laba/(rugi) bersih tahun berjalan 280.879.436 (9.303.017) (20.454.473) (24.948.493) 226.173.453 Gain/(loss) for the year
Jumlah aset 25.223.756.524 133.706.836 342.256.649 232.281.116 25.932.001.125 Total assets
Jumlah liabilitas 20.720.713.354 244.546.970 588.098.157 678.179.163 22.231.537.644 Total liabilities
44. JAMINAN PEMERINTAH TERHADAP 44. GOVERNMENT GUARANTEE ON OBLIGATIONS
KEWAJIBAN PEMBAYARAN BANK UMUM OF PRIVATE BANKS
Berdasarkan Undang-Undang Republik Indonesia Based on Law No. 24 dated September 22, 2004,
No. 24 tanggal 22 September 2004, efektif sejak effective September 22, 2005, Indonesia Deposit
tanggal 22 September 2005, Lembaga Penjamin Insurance Corporation (LPS) was established to
Simpanan (LPS) dibentuk untuk menjamin provide guarantee on certain deposits from
kewajiban tertentu bank-bank umum berdasarkan customers based on prevailing guarantee schemes.
program penjaminan yang berlaku. Undang-Undang The law was changed with the Government
tersebut telah diubah dengan Peraturan Pemerintah Regulation as at the Replacement of Law No. 3 Year
sebagai Pengganti Undang-Undang No. 3 Tahun 2008, which was stipulated as a law since January
2008, yang mana telah ditetapkan menjadi Undang- 13, 2009 based on the Republic of Indonesia Law
Undang sejak tanggal 13 Januari 2009 berdasarkan No. 7 Year 2009.
Undang-Undang Republik Indonesia No. 7 Tahun
2009.
Berdasarkan Peraturan Pemerintah Republik Based on Government of Republic of Indonesia
Indonesia No. 66/2008 tanggal 13 Oktober 2008 Regulation No. 66/2008 dated October 13, 2008
mengenai besarnya nilai simpanan yang dijamin regarding the deposit amount guaranteed by LPS, as
LPS, pada tanggal 31 Desember 2023 dan 2022, of December 31, 2023 and 2022, the deposit amount
jumlah simpanan yang dijamin LPS adalah guaranteed by LPS for every customer in a bank
simpanan sampai dengan Rp2.000.000 untuk was a maximum of Rp2,000,000.
nasabah per bank.
141
Page 615
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
44. JAMINAN PEMERINTAH TERHADAP 44. GOVERNMENT GUARANTEE ON OBLIGATIONS
KEWAJIBAN PEMBAYARAN BANK UMUM OF PRIVATE BANKS (continued)
(lanjutan)
Bank adalah peserta dari program penjaminan The Bank is a participant of this government
tersebut dan beban premi penjaminan Pemerintah guarantee program and the premium paid for the
yang dibayar selama tahun yang berakhir tanggal year ended December 31, 2023 and 2022 amounted
31 Desember 2023 dan 2022 masing-masing adalah to Rp41,124,423 and Rp37,140,883, respectively.
sebesar Rp41.124.423 dan Rp37.140.883.
45. MANAJEMEN RISIKO 45. RISK MANAGEMENT
Bank telah menerapkan manajemen risiko yang The Bank has implemented independent risk
independen dan sesuai dengan standar yang management and in accordance with standards that
mengacu pada POJK No. 18/POJK.03/2016 tanggal refer to POJK No. 18/POJK.03/2016 dated March
16 Maret 2016 tentang Penerapan Manajemen 16, 2016 regarding the Implementation of Risk
Risiko Bagi Bank Umum. Management for Commercial Banks.
Kegiatan usaha Bank senantiasa dihadapkan pada Bank’s business activities always faced with risks
risiko-risiko yang berkaitan erat dengan fungsinya that are closely related to its function as a financial
sebagai lembaga intermediasi keuangan. Oleh intermediary. Therefore, the Bank's operations are
karena itu, kegiatan operasional Bank dikelola properly managed so it could prevent any harm. In
dengan baik supaya tidak menimbulkan kerugian. Di the performance of the Bank's business strategy,
dalam melaksanakan strategi bisnis Bank, maka management seeks to harmonise between:
manajemen berupaya untuk dapat menyelaraskan
antara:
Pertumbuhan bisnis dan peningkatan pangsa Business growth and increased market share of
pasar kredit dan portofolio pendanaan. credit and financing portfolios.
Peningkatkan efisiensi operasional perbankan. Increasing the efficiency of banking operations.
Menjaga tingkat kebutuhan modal minimum Maintain the level of minimum capital
sesuai ketentuan otoritas. requirements pursuant to the authority.
Implementasi manajemen risiko yang Implementation of business-oriented risk
berorientasi bisnis. management.
Sebagai lembaga intermediasi keuangan, Bank As a financial intermediary institution, the Bank
menyadari bahwa semakin kompleksnya kegiatan realises that the business activity is more complex
usaha yang diikuti dengan perkembangan and also depends with development of internal and
lingkungan internal maupun eksternal sehingga external conditions that increase the Bank 's risk in
meningkatkan risiko dalam menjalankan kegiatan conducting its business activities. Realising the risk it
usahanya. Menyadari akan risiko yang dihadapi, faces, the Bank must apply good risk management
Bank harus menerapkan kebijakan manajemen policy that can adapt with the changes and also
risiko yang baik dan dapat beradaptasi dengan enhance the Good Corporate Governance Practice
perubahan yang terjadi dan meningkatkan praktek in the whole activities of the Bank.
tata kelola yang sehat (Good Corporate
Governance) pada keseluruhan lingkup aktivitas
usaha.
Penerapan manajemen risiko yang efektif dengan The effective application of risk management by
mempertimbangkan segala aspek dan prinsip considering all aspects and prudential principles
kehati-hatian (prudential principles) ini bertujuan which has objective to ensure that potential arises in
untuk memastikan bahwa potensi yang timbul dalam conducting its business activities can be identified,
kegiatan usahanya dapat diidentifikasi, diukur, measured, reviewed and monitored will give
dipantau, dan dimonitor akan memberikan manfaat a benefit to increase stakeholder trust to the Bank.
berupa peningkatan kepercayaan stakeholder.
142
Page 616
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Dalam menunjang penerapan manajemen risiko, In supporting the implementation of risk
Bank senantiasa berupaya meningkatkan management, the Bank continuously improve the
pengawasan aktif dari Dewan Komisaris dan active monitoring from the Boards of Commissioners
Direksi, antara lain melalui unit kerja dan komite and Directors, including establishing several
untuk menunjang proses pengendalian risiko. Hal ini permanent working units and committee to support
diwujudkan dengan adanya Satuan Kerja risks control process. This is implemented by
Manajemen Risiko (SKMR) di bawah wadah Komite establishing Risk Management Working Unit (SKMR)
Manajemen Risiko yang berwenang dan under Risk Management Committee who authorise
bertanggung jawab dalam menyusun dan and responsible to prepare and decide risk
menetapkan kebijakan manajemen risiko serta management policy and its changes including risk
perubahannya termasuk strategi manajemen risiko management strategy and contingency plan if an
dan rencana kontinjensi apabila terjadi kondisi yang abnormal condition happens.
tidak diinginkan.
Selain hal tersebut di atas, terdapat komite lain yang Besides the above matters, there are other
bertugas untuk menangani risiko secara lebih committee to handle more specific risks, such as
spesifik, yaitu antara lain Komite Kredit Tingkat Credit Committee at Board of Directors level (KKD),
Direksi (KKD), Assets and Liabilities Committee Assets and Liabilities Committee (ALCO),
(ALCO), Komite Teknologi Sistem Informasi, Information System Technology Committee, whereas
sedangkan pada level Dewan Komisaris terdapat at the Board of Commissioners level, there are Risk
Komite Pemantau Risiko, Komite Nominasi dan Monitoring Committee, Nomination and
Remunerasi, Komite Audit dan Komite Tata Kelola Remuneration Committee, Audit Committee and
Terintegrasi. Integrated Corporate Governance Commitee.
Semua Dewan Komisaris dan Direksi telah All of the Boards of Commissioners and Directors
mengikuti Ujian Sertifikasi Manajemen Risiko yang passed the examination of Risk Management
diselenggarakan oleh Badan Sertifikasi Manajemen Certification that was held by the Board of Risk the
Risiko dan Lembaga Sertifikasi Profesi Perbankan. Management Certification and Banking Professional
Certification Institute.
Seiring dengan perkembangan globalisasi dan As a response with the development of globalisation
teknologi informasi, Lembaga Jasa Keuangan (LJK) and information technology, Financial Services
merupakan salah satu industri yang memiliki sistem Institution (LJK) is one of industry which has
keuangan yang sangat kompleks, dinamis, dan a complex, dynamic and inter-related between each
saling terkait antar masing-masing sektor jasa financial sector, both in product and organisation,
keuangan baik dalam produk dan kelembagaan, and ownership which can increase the risk exposure.
maupun kepemilikan yang menyebabkan Facing this circumstances, the implementation of risk
meningkatnya eksposur risiko. Menghadapi kondisi management will be performed integratedly by
tersebut, penerapan manajemen risiko akan concerning all the risks, including from subsidiary
dilakukan secara terintegrasi dengan and sister companies, and other financial entities
memperhatikan seluruh risiko, baik yang berasal included in one financial conglomeration.
dari perusahaan anak dan perusahaan terelasi
(sister company), maupun entitas lainnya yang
tergabung dalam suatu konglomerasi keuangan.
Manajemen Risiko Terintegrasi telah diterapkan Integrated Risk Management has been implemented
secara komprehensif dan efektif sesuai comprehensively and effectively in accordance
POJK No. 17/POJK.03/2014 dan SEOJK with POJK No. 17/POJK.03/2014 and SEOJK
No. 14/SEOJK.03/2015 tentang Penerapan No. 14/SEOJK.03/2015 about Implementation of
Manajemen Risiko Terintegrasi Bagi Konglomerasi Integrated Risk Management for Financial
Keuangan. Bank telah ditunjuk sebagai Entitas Conglomeration. The Bank has been appointed as
Utama dalam hal Pengawasan Terintegrasi the main entity in the Integrated Monitoring of
Konglomerasi Keuangan Grup Victoria. Financial Conglomeration is Victoria Group.
143
Page 617
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Dalam menunjang penerapan manajemen risiko In supporting the implementation of integrated risk
terintegrasi, maka Bank berupaya meningkatkan management, Bank encourage the active monitoring
pengawasan aktif Dewan Komisaris dan Direksi, by Board of Directors and Board of Commissioners,
antara lain melalui Satuan Kerja Manajemen Risiko such as through SKMRT under supervision of
Terintegrasi (SKMRT) di bawah wadah Komite Integrated Risk Monitoring Committee, whereas at
Manajemen Risiko Terintegrasi, sedangkan pada the Board of Commissioners level through the
level Dewan Komisaris terdapat Komite Tata Kelola Integrated Corporate Governance Committee.
Terintegrasi.
Risiko kredit Credit risk
Risiko kredit adalah risiko yang terjadi akibat Credit risk is the risk by debtors and/or
kegagalan debitur dan/atau pihak lawan counterparty's failure to fulfill their obligations. The
(counterparty) dalam memenuhi kewajiban mereka. objective of credit risk management is to control and
Tujuan dari pengelolaan risiko kredit adalah untuk manage credit risk exposures within acceptable
mengendalikan dan mengelola eksposur risiko kredit parameters, while optimising the return on risk.
dalam parameter yang dapat diterima, sekaligus
memaksimalkan return on risk.
Dalam mengelola risiko kredit, Bank telah memiliki In managing credit risk, the Bank has credit policies
kebijakan dan pedoman perkreditan, yang and standard operations, that are enhanced
disempurnakan secara berkala, dengan tetap periodically in accordance with independent risk
didasarkan pada prinsip pengelolaan risiko yang management principles based on OJK regulations
independen sesuai dengan peraturan OJK dan and other external regulatory and risk management
peraturan eksternal lainnya dan kebijakan policies related to credit. Management of credit risk
manajemen risiko yang terkait dengan pemberian include lending activities and other credit risk
pinjaman. Pengelolaan risiko kredit mencakup exposures such as placement, purchase of securities
aktivitas penyaluran kredit serta eksposur risiko and investments, which are managed
kredit lainnya seperti penempatan, pembelian efek- comprehensively at both portfolio and transaction.
efek, dan penyertaan, yang dikelola secara
komprehensif baik pada tingkat portofolio maupun
transaksi.
Bank melakukan evaluasi atas tingkat risiko kredit The Bank evaluates the credit risk level related to
terkait pemberian fasilitas kepada nasabah atau financing the customers or projects by considering
proyek dengan mempertimbangkan berbagai faktor, various factors, which include the following:
antara lain sebagai berikut:
i. Historis dan proyeksi kondisi keuangan, i. Historical and projected financial condition,
termasuk laporan posisi keuangan, laporan laba including statement of financial position, profit
rugi, dan laporan arus kas nasabah; or loss, and statement of cash flows of the
customers;
ii. Riwayat hubungan kredit; ii. Credit history;
iii. Kualitas, kinerja dan pengalaman dari iii. Quality, performance and experience of the
pengelolaan nasabah; customer’s management;
iv. Sektor industri nasabah; iv. Customer’s industry sector;
v. Kualitas agunan debitur, baik berupa aset v. Debtor’s collateral quality, both in form of
berwujud maupun agunan setara kas; tangible assets or cash equivalents;
vi. Posisi nasabah dalam persaingan industri vi. Customer’s competitive position in the industry;
sejenis; serta and
vii. Kondisi ekonomi secara umum. vii. General economic conditions.
144
Page 618
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
Terhadap eksposur risiko kredit yang lebih khusus In relation to the specific credit risk exposure such as
seperti kredit perorangan, fasilitas antar bank dan individual credit, inter-bank facility and others, the
sebagainya, Bank melakukan evaluasi secara Bank separately evaluates based on other factors
tersendiri dengan menggunakan faktor yang that may be different, according to the specific
mungkin berbeda, sesuai dengan karakteristik characteristics of each exposure. The approval
spesifik dari setiap jenis eksposur. Proses process of facility with credit risk exposure are
persetujuan fasilitas dengan eksposur risiko kredit executed based on a principal that each facility and
dilakukan berdasarkan prinsip bahwa setiap fasilitas credit risk exposure approval must be processed
dan eksposur risiko kredit harus diproses melalui through the credit committee and/or other committee.
komite kredit dan/atau komite lainnya.
Selain itu, pengelolaan risiko kredit yang lebih Furthermore, specific credit risk management is
spesifik juga dilakukan atas portofolio pinjaman performed on non-performing loan portfolio and
yang bermasalah maupun eksposur risiko kredit other credit risk exposures. Such efforts, among
lain. Upaya yang dilakukan di antaranya adalah others, are restructuring on non-performing loans,
restrukturisasi fasilitas pinjaman yang bermasalah, foreclosing assets and providing allowances to cover
pengambilalihan agunan, dan pembentukan potential losses, and write-off. The Bank has
cadangan untuk menutup potensi kerugian, hingga identified, measured, monitored, and controlled risks
pelaksanaan hapus buku. Bank telah menjalankan which covers credit risk profile in a comprehensive
proses identifikasi, pengukuran, pemantauan, dan risk management. In order to control credit risk in
pengendalian risiko yang mencakup profil risiko a comprehensive manner, the Bank continues to
kredit secara komprehensif. Dalam rangka review and accomplish the implementation of credit
pengendalian risiko kredit secara komprehensif, risk control function.
Bank terus meninjau dan menyempurnakan
pelaksanaan fungsi pengendalian risiko kredit.
Manajemen risiko kredit diarahkan untuk Credit risk management is mainly to improve the
meningkatkan keseimbangan antara ekspansi kredit balance of credit expansion and the prudent credit
yang sehat dengan pengelolaan pinjaman yang management that could mitigate the risk of the
berprinsip kehati-hatian (prudent) agar terhindar dari deterioration of loan quality or loans from becoming
risiko penurunan kualitas kredit atau menjadi Non Non Performing Loan, and to optimise the use of
Performing Loan (NPL), serta mengoptimalkan capital allocated for the credit risk.
penggunaan modal yang dialokasikan untuk risiko
kredit.
i. Pengukuran risiko kredit i. Credit risk measurement
Dalam mengukur risiko kredit untuk pinjaman In measuring credit risk for loans, the Bank
yang diberikan, Bank mempertimbangkan considers the estimated losses when debtor
estimasi kerugian saat debitur kemungkinan may be unable to meet its obligations and
tidak dapat memenuhi kewajibannya dan estimated losses on defaulting debtor's
estimasi kerugian atas kewajiban debitur yang liabilities. To manage and monitor the credit risk,
telah wanprestasi. Untuk mengelola dan the Bank conducts a regular analysis of the loan
memantau risiko atas penyaluran pinjaman, portfolio and business segmentation based on
secara rutin Bank melakukan analisis terhadap the credit quality of debtor.
portofolio pinjaman dan segmentasi bisnis
berdasarkan kualitas kredit dari debitur.
ii. Pengendalian batas risiko dan kebijakan ii. Risk limit control and mitigation policies
mitigasi
Untuk menghindari risiko konsentrasi kredit, To minimise the credit concentration risk, the
Bank menetapkan limit eksposur untuk setiap Bank sets an exposure limit to each related and
nasabah baik pihak berelasi maupun pihak third parties as mentioned in the maximum
ketiga dalam kebijakan batas maksimum lending limit policy.
pemberian pinjaman.
145
Page 619
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
ii. Pengendalian batas risiko dan kebijakan ii. Risk limit control and mitigation policies
mitigasi (lanjutan) (continued)
Bank mengelola, membatasi, dan The Bank manages, limits, and controls the
mengendalikan konsentrasi risiko kredit, secara credit concentration risk, in particular, to
khusus terhadap debitur individu maupun individual counterparties and groups, and to
kelompok, dan industri maupun geografis. industries and geographies.
Batas pemberian pinjaman ditelaah mengikuti Lending limits are reviewed in the light of
perubahan pada kondisi pasar dan ekonomi changing market and economic conditions and
dan evaluasi kredit secara periodik dan periodic credit reviews and assessments of
penilaian atas kemungkinan wanprestasi. probability of default.
Dalam proses pengajuan pinjaman, pembelian In the loan application process, purchase of
efek-efek maupun penempatan pada bank lain, securities and placement with other banks, the
Bank menetapkan dual control dalam rangka Bank sets dual control as part of four eyes
four eyes principles yang melibatkan petugas principles which involve marketing officers,
pemasaran, petugas pemeriksa dan pejabat supervisors and authorised approvers.
yang berwenang.
Beberapa pengendalian spesifik lainnya dan Some other specific controls and the mitigation
pengukuran mitigasi dijelaskan di bawah ini: measurement are explained as follows:
Agunan Collateral
Pengelolaan risiko kredit terhadap pinjaman Risk management of loans, not only maintain
yang diberikan tidak hanya menjaga kualitas loans quality but also to mitigate the risk with
pinjaman namun juga memitigasi risiko dengan additional assets as collateral to cover financial
tambahan aset sebagai jaminan atas kewajiban contractual obligation of debtors. Some of
kontraktual debitur. Beberapa jenis agunan acceptable collateral to mitigate the credit risk
yang diterima dalam rangka memitigasi risiko such as:
kredit antara lain:
• Kas (Deposito) • Cash (Deposits)
• Tanah dan/atau bangunan • Land and/or building
• Mesin dan peralatan • Machinery and equipment
• Kendaraan bermotor • Vehicle
• Piutang • Trade receivables
• Persediaan • Inventory
• Garansi perorangan/Perusahaan/Bank • Personal/Corporate/Bank Guarantee
iii. Risiko kredit maksimum iii. Maximum credit risk
Untuk aset keuangan yang diakui di laporan For financial assets recognised on the
posisi keuangan, eksposur maksimum terhadap statements of financial position, the maximum
risiko kredit sama dengan nilai tercatat. Untuk exposure to credit risk equals their carrying
bank garansi, eksposur maksimum terhadap amount. For bank guarantees, the maximum
risiko kredit adalah nilai maksimum yang harus exposure to credit risk is the maximum amount
dibayarkan oleh Bank jika liabilitas atas bank that the Bank has to pay if the obligations of the
garansi terjadi. Untuk fasilitas pinjaman kepada bank guarantees issued are called upon. For
nasabah yang belum digunakan, eksposur the unused loan facilities, the maximum
maksimum terhadap risiko kredit adalah exposure to credit risk is the committed amount.
sebesar komitmen tersebut.
146
Page 620
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
iii. Risiko kredit maksimum (lanjutan) iii. Maximum credit risk (continued)
Eksposur maksimum risiko kredit terhadap aset The maximum exposure to credit risk of
keuangan pada laporan posisi keuangan pada financial assets on statements of financial
tanggal 31 Desember 2023 dan 2022 adalah position as of December 31, 2023 dan 2022 are
sebagai berikut: as follows:
Eksposur maksimum/
Maximum exposure
31 Desember 2023/ 31 Desember 2022/
December 31, 2023 December 31, 2022
Laporan posisi keuangan Statement of financial position
Current accounts with
Giro pada Bank Indonesia 1.493.076.850 1.506.565.848 Bank Indonesia
Giro pada bank lain 296.298.919 228.384.427 Current accounts with other banks
Penempatan pada Bank Placements with Bank Indonesia
Indonesia dan bank lain 916.367.530 858.340.530 and other banks
Efek-efek 6.285.563.736 4.818.553.397 Marketable securities
Efek-efek yang dibeli dengan Securities purchased under
janji dijual kembali 636.732.554 839.432.375 resale agreement
Pendapatan bunga yang
masih akan diterima 386.167.151 416.231.152 Interest receivable
Pinjaman yang diberikan Loans, sharia
pembiayaan dan piutang syariah 18.628.743.177 15.824.611.091 financing and receivables
Penyertaan saham 215.930.505 242.104.323 Investment in shares
Tagihan Akseptasi 12.474.839 7.754.446 Acceptance receivables
Aset lain-lain 23.076.537 29.246.923 Other assets
Jumlah 28.894.431.798 24.771.224.512 Total
Dikurangi: Less:
Cadangan kerugian penurunan nilai (614.260.677) (585.869.064) Allowance for impairment losses
Jumlah - bersih 28.280.171.121 24.185.355.448 Total - net
Eksposur maksimum risiko kredit terhadap The maximum credit risk exposures relating to
rekening administratif pada tanggal administrative accounts as of December 31,
Desember 2023 dan 2022 adalah sebagai 2023 and 2022 are as follows:
berikut:
31 Desember/December 31,
2023 2022
Rekening administratif Administrative accounts
Fasilitas pinjaman yang belum
digunakan 5.297.647.138 4.033.693.802 Unused loan facilities
Letter of credit 60.563.964 18.705.728 Letter of credit
Garansi yang diterbitkan 982.802.950 347.627.606 Guarantees issued
Jumlah 6.341.014.052 4.400.027.136 Total
Dikurangi: Less:
Cadangan kerugian penurunan nilai (1.178.357) (241.681) Allowance for impairment losses
Jumlah - bersih 6.339.835.695 4.399.785.455 Total - net
147
Page 621
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
iii. Risiko kredit maksimum (lanjutan) iii. Maximum credit risk (continued)
Tabel di atas menggambarkan eksposur The table above shows the maximum exposure
maksimum atas risiko kredit bagi Bank pada to credit risk for the Bank as of December 31,
tanggal 31 Desember 2023 dan 2022, sebelum 2023 and 2022, gross of allowance for
memperhitungkan cadangan kerugian impairment losses and collateral. For financial
penurunan nilai kredit dan agunan. Untuk aset assets, the exposures set out above are based
keuangan, eksposur di atas ditentukan on the gross carrying value as disclosed in the
berdasarkan nilai tercatat bruto seperti yang statements of financial position.
diungkapkan pada laporan posisi keuangan.
Seperti yang telah dijelaskan di atas, pada As mentioned above, as of December 31, 2023
tanggal 31 Desember 2023 dan 2022 masing- and 2022, amounted to 64.47% and 63.88% of
masing sebesar 64,47% dan 63,88% dari the total maximum exposure, respectively, is
jumlah eksposur maksimum adalah berasal dari derived from loans (gross of allowance for
pinjaman yang diberikan (sebelum impairment losses).
memperhitungkan cadangan kerugian
penurunan nilai).
iv. Evaluasi penurunan nilai iv. Impairment assessment
Untuk tujuan akuntansi, Bank menggunakan For accounting purposes, the Bank uses an
model kerugian kredit ekspektasian untuk expected credit loss model for the recognition of
pengakuan kerugian penurunan nilai aset losses on impaired financial assets.
keuangan.
Pertimbangan utama evaluasi penurunan nilai The main considerations for the loan impairment
pinjaman yang diberikan termasuk adanya assessment include whether any payments of
pembayaran pokok atau bunga yang jatuh principal or interest are overdue by more than
tempo lebih dari 30 (tiga puluh) hari dan 90 30 (thirty) days and 90 (ninety) days or there are
(sembilan puluh) hari atau terdapat kesulitan any known difficulties, or infringement of the
atau pelanggaran dari persyaratan yang original terms of the contract. The Bank
terdapat dalam kontrak awal yang diketahui. addresses impairment assessment in 2 (two)
Bank melakukan evaluasi penurunan nilai areas: individually assessed allowances and
dalam 2 (dua) area yaitu evaluasi penurunan collectively assessed allowances.
nilai secara individual dan evaluasi penurunan
nilai secara kolektif.
a. Evaluasi penurunan nilai secara individual a. Individually assessed allowances
Bank menentukan penyisihan kerugian The Bank determines the allowances for
penurunan nilai secara individual untuk impairment losses for each significant loans
masing-masing pinjaman signifikan yang on an individual basis and have objective
diberikan dan memiliki bukti objektif evidence of impairment.
penurunan nilai.
b. Evaluasi penurunan nilai secara kolektif b. Collectively assessed allowances
Evaluasi penyisihan kerugian penurunan Allowances for impairment losses are
nilai secara kolektif dilakukan atas assessed collectively for losses on loans
pinjaman yang diberikan yang tidak that are not individually significant and for
signifikan secara individual dan juga untuk individually significant loans with no
pinjaman signifikan yang diberikan yang objective evidence of impairment.
tidak memiliki bukti objektif penurunan nilai.
148
Page 622
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
v. Kualitas aset keuangan v. Quality of financial assets
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, credit risk
eksposur risiko kredit atas aset keuangan exposure relating to financial assets are divided
terbagi atas: as follows:
31 Desember/ December 31, 2023
Jumlah/
Stage 1 Stage 2 Stage 3 Total
Current accounts with
Giro pada Bank Indonesia 1.493.076.850 - - 1.493.076.850 Bank Indonesia
Current accounts with
Giro pada bank lain 296.298.919 - - 296.298.919 other banks
Placements with Bank
Penempatan pada Bank Indonesia and
Indonesia dan bank lain 916.367.530 - - 916.367.530 other banks
Efek-efek 6.285.563.736 - - 6.285.563.736 Marketable securities
Securities purchased
Efek-efek yang dibeli under resale
dengan janji dijual kembali 636.732.554 - - 636.732.554 agreement
Pinjaman yang diberikan, Loans, sharia
pembiayaan dan financing and
piutang syariah 16.834.895.372 1.050.384.426 743.463.379 18.628.743.177 receivables
Pendapatan bunga yang
masih akan diterima 286.842.088 99.325.063 - 386.167.151 Interest receivables
Tagihan akseptasi 12.474.839 - - 12.474.839 Acceptance Receivable
Penyertaan saham 215.930.505 - - 215.930.505 Investment in shares
Aset lain-lain 23.076.537 - - 23.076.537 Other assets
Jumlah 27.001.258.930 1.149.709.489 743.463.379 28.894.431.798 Total
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (614.260.677) impairment losses
Jumlah - bersih 28.280.171.121 Total - net
31 Desember/ December 31, 2022
Jumlah/
Stage 1 Stage 2 Stage 3 Total
Current accounts with
Giro pada Bank Indonesia 1.506.565.848 - - 1.506.565.848 Bank Indonesia
Current accounts with
Giro pada bank lain 228.384.427 - - 228.384.427 other banks
Placements with Bank
Penempatan pada Bank Indonesia and
Indonesia dan bank lain 858.340.530 - - 858.340.530 other banks
Efek-efek 4.818.553.397 - - 4.818.553.397 Marketable securities
Securities purchased
Efek-efek yang dibeli under resale
dengan janji dijual kembali 839.432.375 - - 839.432.375 agreement
Pinjaman yang diberikan, Loans, sharia
pembiayaan dan financing and
piutang syariah 13.749.721.837 1.406.262.727 668.626.527 15.824.611.091 receivables
Pendapatan bunga yang
masih akan diterima 271.739.068 144.492.084 - 416.231.152 Interest receivables
Tagihan akseptasi 7.754.446 - - 7.754.446 Acceptance Receivable
Penyertaan saham 242.104.323 - - 242.104.323 Investment in shares
Aset lain-lain 29.246.923 - - 29.246.923 Other assets
Jumlah 22.551.843.174 1.550.754.811 668.626.527 24.771.224.512 Total
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (585.869.064) impairment losses
Jumlah - bersih 24.185.355.448 Total - net
149
Page 623
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
v. Kualitas aset keuangan (lanjutan) v. Quality of financial assets (continued)
Dalam menentukan kualitas kredit berdasarkan In determining credit quality by client segment
segmen klien dipantau dan dianalisis are monitored and analised based on days past
berdasarkan hari tunggakan (days past due) due and qualitative criteria as explained in
dan kriteria kualitatif sebagaimana dijelaskan Note 2g.
pada Catatan 2g.
Dalam hal terdapat keraguan terhadap Where there is doubt on the ability of the
kemampuan debitur untuk melakukan debtors to meet contractual payments when
pembayaran kontraktual pada saat jatuh tempo, due, the terms of the loans might be
persyaratan kredit dapat dinegosiasikan renegotiated based on mutual agreement
kembali berdasarkan kesepakatan antara Bank between the Bank and the debtors.
dan debitur.
Dampak langsung dan tidak langsung atas Direct and indirect effects of the COVID-19
pandemi COVID-19 mempengaruhi outbreak are impacting the global economy,
perekonomian global, pasar, dan pihak lawan markets, and the counterparties and debtor of
maupun debitur dari Bank. Manajemen telah the Bank. Management has taking actions to
melakukan langkah-langkah untuk memitigasi mitigate the impacts on the Bank’s business as
dampak terhadap bisnis Bank sebagai berikut: follow:
Mempersiapkan skema restrukturisasi/ Establish various temporary credit
relaksasi kredit sementara untuk debitur restructuring/relaxation scheme for
yang terdampak COVID-19. customers affected by COVID-19.
Melakukan penyaluran pinjaman yang Provide loans to customers selectively with
diberikan secara selektif dengan prudent principles.
menerapkan prinsip kehati-hatian.
Meningkatkan upaya penagihan dan Increase efforts on collections and
penyelesaian kredit bermasalah. settlements of non-performing loans.
Melakukan efisiensi biaya operasional. Manage operational expenses efficiently.
Menerapkan manajemen risiko likuiditas Implement liquidity risk management
secara optimum untuk menjaga posisi optimally to secure the Bank’s liquidity
likuiditas Bank. position.
Manajemen juga melakukan analisa Management also performs a risk-based
berdasarkan risiko atas sektor-sektor yang assessment of those sectors most impacted by
paling terkena dampak penurunan akibat the COVID-19 downturn, and performs a
COVID-19, dan melakukan review kualitatif atas qualitative review of the ECL calculation
perhitungan ECL terhadap sektor-sektor associated with those sectors to ensure that
tersebut untuk meyakinkan bahwa ECL overall ECL is sufficient.
mencukupi.
Untuk debitur yang masih memiliki prospek For debtors who still have good business
usaha serta kemampuan membayar kewajiban, prospects and the ability to pay, the Bank can
Bank dapat memberikan relaksasi kredit antara provide loan relaxation, among others through
lain dalam bentuk perpanjangan tenor tenor extension in accordance with the debtor's
disesuaikan dengan siklus usaha debitur saat current business cycle (generally for period up
ini (pada umumnya untuk masa hingga to 1 year). Meanwhile, for debtors who need
1 tahun). Sementara untuk debitur yang relatively longer recovery time, its can be given
membutuhkan waktu pemulihan relatif lebih loan restructuring, among others in the form of
lama, dapat diberikan restrukturisasi kredit, grace period/payment holiday and/or a
reduction in interest rates.
antara lain dalam bentuk pemberian masa
tenggang/ penundaan pembayaran dan/atau
penurunan suku bunga.
150
Page 624
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
v. Kualitas aset keuangan (lanjutan) v. Quality of financial assets (continued)
Sampai dengan tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, there are
2022, terdapat 235 dan 326 debitur dengan 235 and 326 debtors with total outstanding
total pinjaman sebesar Rp2.868.304.020 dan loans of Rp2,868,304,020 and Rp4,527,782,755
Rp4.527.782.755 yang telah direstrukturisasi. respectively which have been restructured.
Manajemen telah berupaya untuk memperbaiki Management has made efforts to improve the
kualitas kredit Bank dan menjaga rasio NPL quality of the Bank's credit and maintain the
dibawah ketentuan maksimal yang NPL ratio below the maximum stipulated by the
dipersyaratkan oleh OJK dengan melakukan OJK by doing the following:
hal-hal sebagai berikut:
Melakukan cessie pinjaman untuk debitur Conduct a loan cessie for debtors who fall
yang masuk ke dalam kategori pinjaman into the non-performing loan category;
yang bermasalah;
Mentransfer pinjaman untuk debitur yang Transferring loans for debtors that are
masuk ke dalam kategori pinjaman yang categorised as non-performing loans into
bermasalah menjadi Aset Yang Diambil Alih Foreclosed Assets (“AYDA”) by taking over
(“AYDA”) dengan mengambil alih agunan the collateral guaranteed by the debtor;
yang dijaminkan oleh debitur;
Membuat pembentukan cadangan kerugian Create an additional allowance for
penurunan nilai tambahan untuk pinjaman; impairment losses for loans; and
dan
Melakukan restrukturisasi pinjaman sesuai Performed loan restructuring in accordance
dengan ketentuan dari OJK. with the provisions of the OJK.
Mengingat model perhitungan kerugian kredit Considering that the expected credit loss
ekspektasian tidak sepenuhnya dapat calculation model cannot produce an
menghasilkan estimasi kerugian yang akurat accurate estimation of losses in abnormal
dalam kondisi ekonomi yang abnormal, maka economic conditions, Management has also
Manajemen juga sudah memperhitungkan taken into account several adjustment
beberapa faktor penyesuaian untuk memastikan factors to ensure the expected value of the
nilai kerugian kredit ekspektasian yang diakui expected credit loss recognised in the financial
dalam laporan keuangan dinyatakan secara statements is stated fairly. In assessing
wajar. Dalam menilai kondisi masa depan, future conditions, management has
manajemen telah mempertimbangkan berbagai considered various relevant information
informasi relevan yang tersedia, termasuk available, including COVID-19 policies issued
kebijakan COVID-19 yang dikeluarkan oleh by the government to support and mitigate the
pemerintah untuk mendukung dan mengurangi impact of the spread of COVID-19 on the
dampak penyebaran COVID-19 terhadap economy, and encouragement for banks to
perekonomian, dan mendorong Bank untuk defer or restructure loans.
menunda atau merestrukturisasi pinjaman.
Dalam kondisi normal, penjadwalan ulang atau Under normal conditions, a rescheduling or
restrukturisasi pinjaman akan menunjukkan restructuring of a loan would indicate
peningkatan risiko kredit yang signifikan dan a significant increase in credit risk and a move
pindah ke Stage 2. Namun, dalam kondisi saat to Stage 2. However, in the current condition,
ini, manajemen telah mempertimbangkan management has considered that such
bahwa restrukturisasi atau peristiwa tidak a restructuring or event was not automatically
secara otomatis memicu peningkatan risiko trigger a significant increase in credit risk if the
kredit yang signifikan jika debitur diharapkan debtor would be expected to recover and fulfill
untuk memulihkan dan memenuhi kewajiban their contractual obligations after the end of the
kontraktual mereka setelah akhir periode restructuring or relaxation period.
restrukturisasi atau relaksasi.
151
Page 625
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
v. Kualitas aset keuangan (lanjutan) v. Quality of financial assets (continued)
Asumsi dan pertimbangan utama dalam Key assumptions and judgments in
menentukan kerugian kredit ekspektasian determining expected credit loss
Lifetime Lifetime
Kerugian kredit ekspektasian diestimasikan Expected credit loss is estimated based on the
berdasarkan periode dimana Bank terpapar period over which the Bank is exposed to credit
pada risiko kredit. Bank memiliki proses review risk. The Bank has a review process for each of
dari setiap model bisnis/produknya. Baik kredit its business models/products. Both revolving
revolving maupun non-revolving, untuk and non-revolving loans, to calculate expected
menghitung kerugian kredit ekspektasian credit losses using the contractual term in
menggunakan jangka waktu kontraktual sesuai accordance with the contract period.
dengan jangka waktu kontraknya. Penetapan Determination of this period, especially for
periode tersebut khususnya untuk kredit revolving credit, is carried out by taking into
revolving dilakukan dengan mempertimbangkan account the conditions in which the Bank carries
kondisi dimana proses perpanjangan kredit out the process of extending revolving credit
revolving yang diberikan oleh Bank dilakukan through a robust study, namely through
melalui kajian yang robust yaitu melalui evaluasi a substantive compared to administrative
yang substantif dibandingkan administratif. evaluation.
Lingkungan ekonomi yang berkembang adalah The developing economic environment is the
penentu utama dari kemampuan nasabah Bank key determinant of the ability of a Bank’s
untuk memenuhi kewajiban mereka saat jatuh customer to meet their obligations as they fall
tempo. Ini adalah prinsip dasar PSAK 71 bahwa due. It is a fundamental principle of SFAS 71
potensi kerugian kredit di masa depan harus that the potential future credit losses should
bergantung tidak hanya pada kesehatan depend not just on the health of the economy
ekonomi saat ini, tetapi juga harus today, but should also take into account
memperhitungkan kemungkinan perubahan potential changes to the economic environment.
pada lingkungan ekonomi. Misalnya, jika Bank For example, if the Bank was to anticipate a
mengantisipasi perlambatan tajam dalam sharp slowdown in the world economy, Bank
ekonomi dunia, Bank harus membentuk lebih should make more provisions today to absorb
banyak cadangan hari ini untuk menyerap the credit losses likely to occur in the near
kerugian kredit yang kemungkinan akan terjadi future.
dalam waktu dekat.
Untuk menangkap efek perubahan pada To capture the effect of changes to the
lingkungan ekonomi, model PD digunakan economic environment, PD model is used to
untuk menghitung kerugian kredit ekspektasian, calculate expected credit loss, by incorporating
dengan memasukkan informasi forward looking forward-looking information in the form of
dalam bentuk perkiraan nilai-nilai variabel forecasts of the values of economic variables
ekonomi yang kemungkinan akan berdampak that are likely to have an effect on the
pada kemampuan pembayaran kembali repayment ability of the Bank’s customer.
nasabah Bank.
Berbagai MEV digunakan untuk setiap model Various of MEVs are used for each PD model,
PD, tergantung pada hasil analisis statistik depending on the statistical analysis result of
kesesuaian MEV dengan PD serta konsensus appropriateness of the MEV with PD as well as
dari pakar kredit. Diantaranya adalah indeks consensus from credit expert. Amongst others
barang konsumtif, inflasi, dan GDP Nasional. are consumer goods index, inflation and
National GDP.
152
Page 626
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Risiko kredit (lanjutan) Credit risk (continued)
v. Kualitas aset keuangan (lanjutan) v. Quality of financial assets (continued)
Asumsi dan pertimbangan utama dalam Key assumptions and judgments in
menentukan kerugian kredit ekspektasian determining expected credit loss (continued)
(lanjutan)
Sensitivitas MEV terhadap ECL Sensitivity of MEV to ECL
Perhitungan ECL bergantung pada beberapa The ECL calculation relies on multiple variables
variabel dan pada dasarnya tidak linier dan and is inherently non-linear and portfolio-
tergantung pada portofolio, yang menyiratkan dependent, which implies that no single analysis
bahwa tidak ada analisis tunggal yang dapat can fully demonstrate the sensitivity of the
sepenuhnya menunjukkan sensitivitas kerugian expected credit loss to changes in the MEVs.
kredit ekspektasian terhadap perubahan dalam The Bank believes that sensitivity should be
MEV. Bank berkeyakinan bahwa sensitivitas performed to all variables, instead of single
harus dilakukan terhadap seluruh variabel, alih- variable, as this aligns with the multi-variable
alih variabel tunggal, karena hal ini sejalan nature of the ECL calculation.
dengan sifat multi-variabel dari perhitungan
ECL.
Analisis sensitivitas ECL dilakukan untuk A sensitivity analysis of ECL was undertaken to
mengeksplorasi efek dari pandemi global explore the effect of the global COVID-19
COVID-19 yang menyebabkan perlambatan pandemic that leads to Indonesia economy
ekonomi Indonesia. slowdown.
Risiko pasar Market risk
Risiko pasar adalah risiko pada laporan posisi Market risk is the risk on the statements of financial
keuangan dan rekening administratif termasuk position and administrative accounts, including
transaksi derivatif, akibat perubahan secara derivative transactions, due to overall changes in
keseluruhan dari kondisi pasar, termasuk risiko market conditions, including the risk of change of
perubahan harga opsi. Risiko pasar meliputi, antara option price. Market risk include, among others,
lain, risiko tingkat suku bunga, risiko nilai tukar, interest rate risk, foreign exchange risk, equity risk
risiko ekuitas dan risiko komoditas. Risiko tingkat and commodity risk. Interest rate risk, foreign
suku bunga, risiko nilai tukar dan risiko komoditas exchange risk and commodity risk can come from
dapat berasal baik dari posisi trading book maupun trading book and banking book, whereas equity risk
posisi banking book, sedangkan risiko ekuitas come from trading book. Assets & Liabilities
berasal dari posisi trading book. Assets & Liabilities Committee (ALCO) is a committee assisting
Committee (ALCO) merupakan komite yang Directors in monitoring and maintaining market risk.
membantu Direksi dalam mengawasi dan mengelola
risiko pasar.
Risiko pasar melekat pada aktivitas fungsional Bank Market risk is adhered on functional activities of the
seperti kegiatan treasury dan investasi dalam Bank such as treasury activity and investment in
bentuk efek-efek dan pasar uang maupun securities and money market or investment in other
penyertaan pada lembaga keuangan lainnya, financing institution, funding and lending, funding
penyediaan dana dan pinjaman, kegiatan activity and issued obligation and financing trading
pendanaan dan penerbitan surat utang, serta activity. The Bank must and always identify and
kegiatan pembiayaan perdagangan. Untuk itu, Bank monitor from time to time to anticipate the market
harus dan selalu melakukan identifikasi dan risk. The Loan to Funding Ratio (LFR) of the Bank as
pemantauan dari waktu ke waktu untuk of December 31, 2023 and 2022 are 50.55% and
mengantisipasi adanya risiko pasar. LFR (Loan to 81.08% respectively.
Funding Ratio) Bank pada tanggal 31 Desember
2023 dan 2022 masing-masing adalah sebesar
50,55% dan 81,08%.
153
Page 627
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Risiko pasar (lanjutan) Market risk (continued)
Tujuan dari manajemen risiko pasar adalah untuk The objective of market risk management is to
melakukan identifikasi, pengukuran, pengendalian, identify, measure, control, and manage market risk
dan pengelolaan eksposur risiko pasar dalam exposures within acceptable parameters, while
parameter yang dapat diterima, serta optimising the returns. This is done through a
memaksimalkan tingkat pengembalian. Hal ini comprehensive policy and limit framework to
dilakukan melalui kebijakan yang komprehensif dan indentify, measure, and monitor the amount of risk
kerangka limit untuk mengidentifikasi, mengukur, based on risk appetite of the Bank.
dan memantau nilai risiko berdasarkan tingkat risiko
yang akan diambil (risk appetite) oleh Bank.
Dalam melakukan pengukuran risiko pasar, Bank In measuring market risk, the Bank uses the
menggunakan perhitungan Metode Standar untuk Standardised Method in calculating Capital
menghitung Kewajiban Penyediaan Modal Minimum Adequacy Ratio (CAR) for market risk.
(KPMM) untuk risiko pasar.
Risiko tingkat suku bunga Interest rate risk
Risiko tingkat suku bunga timbul dari adanya Interest rate risk arise from the possibility that
kemungkinan bahwa perubahan tingkat suku bunga changes in interest rates will affect future cash flows
akan mempengaruhi arus kas masa depan dari nilai or the fair values of financial instruments.
wajar instrumen keuangan.
Dalam rangka meminimalkan risiko tingkat suku To minimise interest rate risk, the Bank makes the
bunga, Bank melakukan upaya-upaya sebagai following efforts, among others:
berikut, antara lain:
- Meningkatkan fungsi dan peran Assets & - Increasing function and role of Assets & Liabilities
Liabilities Committee (ALCO) dalam rangka Committee (ALCO) in identifying and determining
identifikasi dan penetapan tingkat suku bunga interest rate and third party funds to anticipate
pinjaman dan dana pihak ketiga untuk fluctuations in market interest rate.
mengantisipasi fluktuasi suku bunga pasar.
- Penerapan Kebijakan Assets & Liabilities - Application of Assets & Liabilities Management's
Management (ALMA) untuk pihak berelasi dalam (ALMA) policy to related parties in application of
penerapan manajemen risiko Bank dan risk management of the Bank and it is one of a
merupakan salah satu pedoman bagi unit kerja guidance for Treasury working unit in money
Treasury dalam melakukan transaksi di pasar market and capital market transactions such as:
uang dan pasar modal seperti:
i. Melakukan identifikasi risiko tingkat suku i. Identifying interest rate risk from transaction
bunga yang berasal dari transaksi dan and Bank's portfolio of securities;
portofolio Bank pada Efek-efek;
ii. Penetapan sistem pengukuran risiko tingkat ii. Determining measuring system of interest rate
suku bunga dengan menggunakan gap risk using gap analysis or duration analysis;
analysis atau duration analysis; dan and
iii. Strategi penanaman dana dan strategi iii. Strategies of investment and collection of
pengumpulan dana. funds.
154
Page 628
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Risiko pasar (lanjutan) Market risk (continued)
Risiko tingkat suku bunga (lanjutan) Interest rate risk (continued)
Tabel berikut merupakan kisaran tingkat suku bunga The following table summarises the range of
kontraktual per tahun untuk aset dan liabilitas contractual interest rates per annum for significant
keuangan yang signifikan untuk tahun yang berakhir financial assets and liabilities for the years ended
pada tanggal 31 Desember 2023 dan 2022: December 31, 2023 and 2022:
31 Desember/December 31,
2023 2022
Aset Assets
Giro pada bank lain 0,00% - 0,25% 0,00% - 1,30% Current accounts with other banks
Penempatan pada Placements with Bank
Bank Indonesia dan bank lain 5,20% - 6,45% 4,75% - 5,10% Indonesia and other banks
Efek-efek 4,95% - 11,00% 4,20% - 10,25% Marketable securities
Efek-efek yang dibeli dengan Securities purchased under
janji dijual kembali 6,25% - 6,35% 5,50% - 5,80% resale agreements
Pinjaman yang diberikan, Loans, sharia
pembiayaan dan piutang syariah 1,00% - 20,00% 1,00% - 21,55% financing and receivables
Liabilitas Liabilities
Simpanan nasabah 0,00% - 8,20% 0,00% - 7,00% Deposits from customers
Simpanan dari bank lain 0,00% - 6,50% 0,00% - 6,00% Deposits from other banks
Efek-efek yang diterbitkan 9,25% - 11,75% 10,30% Securities issued
Efek-efek yang dijual dengan janji Securities sold
dibeli kembali 6,25% - 6,35% 5,80% under repurchase agreements
Sensitivitas terhadap laba bersih Sensitivity to net income
Tabel di bawah ini mengikhtisarkan sensitivitas laba The following table summarises the sensitivity of
bersih Bank pada tanggal 31 Desember 2023 dan Bank’s net income to movement of interest rates on
2022 atas perubahan tingkat suku bunga (tidak December 31, 2023 and 2022 (unaudited):
diaudit):
31 Desember/December 31, 2023
Peningkatan dalam Penurunan dalam
100 basis poin/ 100 basis poin/
Increase by Decrease by
100 basis point 100 basis point
Pengaruh terhadap laba bersih 5.841.118 (5.841.118) Impact to net income
31 Desember/December 31, 2022
Peningkatan dalam Penurunan dalam
100 basis poin/ 100 basis poin/
Increase by Decrease by
100 basis point 100 basis point
Pengaruh terhadap laba bersih 7.380.239 (7.380.239) Impact to net income
155
Page 629
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Risiko pasar (lanjutan) Market risk (continued)
Risiko tingkat suku bunga (lanjutan) Interest rate risk (continued)
Proyeksi di atas mengasumsikan bahwa tingkat The projection above assumes that interest rates of
suku bunga bergerak pada jumlah yang sama, all maturities move by the same amount and,
sehingga tidak mencerminkan pengaruh potensial therefore, do not reflect the profit potential impact on
laba atas perubahan beberapa tingkat suku bunga the changes of some interest rates while others
sementara yang lainnya tidak berubah. Proyeksi remain unchanged. The projections also assume that
juga mengasumsikan bahwa seluruh variabel all other variables are held constant and based on a
lainnya adalah konstan dan berdasarkan tanggal constant reporting date position and that all positions
pelaporan yang konstan serta seluruh posisi hingga run to maturity.
jatuh tempo.
Risiko mata uang Currency risk
Bank memiliki eksposur risiko mata uang akibat The Bank is exposed to currency risk through
adanya transaksi dalam valuta asing. Bank transaction in foreign currencies. The Bank monitors
memonitor risiko konsentrasi yang terjadi untuk any concentration risk in relation to any individual
setiap valuta sehubungan dengan penjabaran currency in regard to the translation of foreign
transaksi dalam valuta asing ke dalam aset dan currency transactions into monetary assets and
liabilitas moneter dalam Rupiah. liabilities in Rupiah.
Pengelolaan posisi valuta asing Bank dilakukan The Bank’s foreign currency position management is
dengan cara mengendalikan Posisi Devisa Neto conducted by managing the Bank’s overall Net Open
(“PDN”) Bank secara keseluruhan. Position (“NOP”).
31 Desember/December 31, 2023
Posisi Devisa
Neto (nilai
absolut)/
Aset/ Liabilitas/ Net Open Position
Valuta Assets Liabilities (absolute amount) Currencies
Keseluruhan (laporan posisi Aggregate (statements of
keuangan dan rekening financial position and
administratif) administrative accounts)
Dolar Amerika Serikat 697.540.237 710.115.633 12.575.396 United States Dollar
Yen Jepang 2.678.392 2.576.994 101.398 Japanese Yen
Dolar Singapura 1.759.234 1.903.038 143.804 Singapore Dollar
Yuan China 1.464.889 - 1.464.889 Chinese Yuan
Euro Eropa 1.084.572 1.551.542 466.970 European Euro
Dolar Australia 171.699 - 171.699 Australian Dollar
Poundsterling Inggis 26.300 - 26.300 Great Britain Poundsterling
Dolar New Zealand 22.851 - 22.851 New Zealand Dollar
Dolar Taiwan 7.704 - 7.704 New Taiwan Dollar
Swiss Franc 7.869 - 7.869 Swiss Franc
Dolar Hongkong 5.892 - 5.892 Hongkong Dollar
Won Korea 1.497 - 1.497 Korean Won
Riyal Saudi 1.437 - 1.437 Riyal Saudi
Dolar Kanada 581 - 581 Canadian Dollar
Baht Thailand 571 - 571 Thailand Baht
Ringgit Malaysia 436 - 436 Malaysian Ringgit
Total 14.999.294 Total
Jumlah ekuitas 3.839.922.636 Total equity
Rasio PDN 0,39% NOP Ratio
156
Page 630
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Risiko likuiditas Liquidity risk
Risiko likuiditas merupakan risiko akibat Liquidity risk is the risk arising from the inability of
ketidakmampuan Bank memenuhi kewajiban yang the Bank to meet the maturing obligations from cash
jatuh tempo dari sumber pendanaan arus kas flow funding sources and/or from high-quality liquid
dan/atau dari aset likuid berkualitas tinggi yang assets that can be pledged, without disturbing the
dapat diagunkan, tanpa mengganggu aktivitas dan activities and financial condition of the Bank. The
kondisi keuangan Bank. Ketidakmampuan inability to obtain funding for cash flows resulting to
memperoleh sumber pendanaan arus kas sehingga liquidity risk can be contributed by:
menimbulkan risiko likuiditas dapat disebabkan
antara lain oleh:
a. Ketidakmampuan menghasilkan arus kas yang a. Inability to generate cash flows from productive
berasal dari aset produktif maupun yang berasal assets as well as from the sale of assets,
dari penjualan aset termasuk aset likuid; including liquid assets; and/or
dan/atau
b. Ketidakmampuan menghasilkan arus kas yang b. Inability to generate cash flows from funding and
berasal dari penghimpunan dana dan transaksi interbank transactions.
antar Bank.
Risiko likuiditas berhubungan dengan adanya Liquidity risk related with the possibility of Bank’s
kemungkinan Bank tidak dapat memenuhi inability to meet the maturing obligations to its
kewajibannya terhadap deposan, investor atau customers, investors or creditors in which due to the
kreditur yang diantaranya disebabkan dari limitation of funding line or inability of the Bank to
keterbatasan akses pendanaan atau liquidate its assets with the fair value. Assets and
ketidakmampuan Bank untuk melikuidasi aset yang Liabilities Committee (ALCO) is a commitee under
dimiliki dengan harga yang wajar. Assets and Director who monitor and manage liquidity risk.
Liabilities Committee (ALCO) merupakan komite
yang membantu Direksi dalam mengawasi dan
mengelola risiko likuiditas.
Secara umum, tujuan utama manajemen risiko In general, the main purpose of liquidity risk
untuk risiko likuiditas adalah untuk meminimalkan management is to minimise the possibility of the
kemungkinan ketidakmampuan Bank dalam Bank's inability to obtain sources of financing. Thus
memperoleh sumber pendanaan arus kas. Dengan the Bank can fulfill any financial obligations as they
demikian Bank dapat memenuhi setiap kewajiban fall due in a timely manner, and in order to maintain
keuangan yang sudah diperjanjikan secara tepat an adequate and optimal level of liquidity.
waktu, dan agar senantiasa dapat memelihara
tingkat likuiditas yang memadai dan optimal.
Kebijakan pengelolaan risiko likuiditas antara lain Liquidity risk management policies include the active
mencakup pengawasan aktif Dewan Komisaris dan supervision of the Board of Commissioners and
Direksi, yang pada intinya mengatur penerapan Board of Directors, which basically set the
Manajemen Risiko likuiditas pada Bank, Kebijakan implementation of the Bank's Liquidity Risk
Manajemen Risiko likuiditas yang secara umum Management, Liquidity Risk Management Policy
mencakup strategi manajemen risiko likuiditas, which generally include liquidity risk management
tingkat risiko yang akan diambil (risk appetite) dan strategy, the level of risk to be taken (risk appetite)
toleransi risiko (risk tolerance) dan Sistem Informasi and risk tolerance (risk tolerance) and Information
Manajemen Risiko serta Sistem Pengendalian Systems Risk Management and Internal Control
Internal dengan menerapkan pengendalian internal System by implementing internal control and review
dan kaji ulang independen yang memadai terhadap of appropriate independent of the implementation of
penerapan Manajemen Risiko untuk Risiko likuiditas Risk Management for liquidity risk is carried out by
yang dilaksanakan oleh Satuan Kerja Audit Internal the Internal Audit (SKAI) and Risk Management Unit
(SKAI) dan Satuan Kerja Manajemen Risiko (SKMR).
(SKMR).
157
Page 631
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Risiko likuiditas (lanjutan) Liquidity risk (continued)
Tujuan dari manajemen risiko likuiditas adalah untuk The objective of liquidity risk management is to
memastikan bahwa setiap kebutuhan dana di saat ensure that current and future fund requirements can
ini maupun di masa datang baik untuk kondisi be met both in normal or stress condition.
normal maupun kondisi stres dapat dipenuhi.
Bank mengelola risiko likuiditas melalui analisis The Bank manages liquidity risk through liquidity gap
perbedaan jatuh tempo likuiditas dan rasio-rasio analysis and liquidity ratios. Liquidity risk is
likuiditas. Risiko likuiditas diukur dan dipantau measured and monitored on a daily basis based on
secara harian berdasarkan kerangka kerja limit liquidity risk limit framework. Liquidity gap analysis
risiko likuiditas. Analisis kesenjangan likuiditas provides insight as to the mismatch of expected cash
memberikan pandangan terhadap ketidaksesuaian inflows against cash outflows on any given day. This
arus kas masuk dengan arus kas keluar pada waktu is centrally managed within Treasury which has
tertentu. Kondisi ini dikelola secara terpusat oleh direct and authorised access to interbank, wholesale
Tresuri yang mempunyai akses dan otorisasi secara and other professional markets, to supplement core
langsung ke interbank market, wholesale dan Bank activities such as deposit taking and lending.
professional market lainnya, dalam upaya
membantu aktivitas utama bisnis Bank seperti
pengumpulan dana dan pemberian pinjaman.
Langkah yang diambil oleh Bank sehubungan The steps taken by the Bank in connection with the
dengan perbedaan antara aset dan liabilitas maturity gap mismatch between its financial assets
keuangan yang jatuh tempo antara 1 (satu) sampai and liabilities due in 1 (one) to 3 (three) months such
dengan 3 (tiga) bulan, adalah meningkatkan as improving its services to customers, monitor the
pelayanan kepada nasabah simpanan, memantau extension of deposit, search for new customers and
perpanjangan simpanan, mencari nasabah baru offering services including attractive products and
serta menawarkan produk dan bunga yang menarik interest rates in order to maintain stability and
kepada nasabah untuk menjaga stabilitas dan continuity of deposits from customers. In addition,
kontinuitas jumlah simpanan dari nasabah. the Bank also intensify collection efforts from non-
Di samping itu, Bank juga mengintensifkan usaha performing debtors and placing excess funds on
penagihan kepada debitur bermasalah dan marketable securities so they can be withdrawn at
menempatkan kelebihan dana pada efek-efek yang any time as the Bank needs a fund.
memiliki pasar sehingga dapat dicairkan setiap saat
apabila Bank membutuhkan dana.
Tabel jatuh tempo berikut ini menyajikan informasi The maturity tables below provide information about
mengenai perkiraan jatuh tempo dari liabilitas sesuai maturities on contractual undiscounted cash flows of
arus kas kontraktual yang tidak didiskontokan liabilities on December 31, 2023 and 2022:
tanggal 31 Desember 2023 dan 2022:
31 Desember/ December 31, 2023
Tidak
mempunyai
kontrak jatuh
tempo/
Dibayarkan
sesuai
permintaan/
No contractual > 1 bulan- > 3 bulan- Lebih dari 5
maturity/ 3 bulan/ 1 tahun/ tahun/
Jumlah/ Repayable on < 1 bulan/ > 1 month > 3 months > 1 - 5 tahun/ More than 5
Total demand < 1 month 3 months 1 year > 1 - 5 years years
Liabilitas Liabilities
Simpanan nasabah 22.688.095.000 5.366.287.229 8.801.219.060 4.427.579.482 3.703.009.229 390.000.000 - Deposits from customers
Simpanan dari bank lain 1.105.227.338 261.365.349 816.024.281 24.768.125 3.069.583 - - Deposits from other banks
Efek-efek yang diterbitkan 1.717.750.004 - - - 52.750.000 1.665.000.004 - Securities issued
Efek-efek yang dijual Securities sold under
dengan janji dibeli kembali 644.675.834 - 644.675.834 - - - - repurchase agreements
Liabilitas lain-lain 160.229.698 - 102.398.239 - 10.521.933 47.309.526 - Other liabilities
26.315.977.874 5.627.652.578 10.364.317.414 4.452.347.607 3.769.350.745 2.102.309.530 -
158
Page 632
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Risiko likuiditas (lanjutan) Liquidity risk (continued)
Tabel jatuh tempo berikut ini menyajikan informasi The maturity tables below provide information about
mengenai perkiraan jatuh tempo dari liabilitas sesuai maturities on contractual undiscounted cash flows of
arus kas kontraktual yang tidak didiskontokan liabilities on December 31, 2023 and 2022:
tanggal 31 Desember 2023 dan 2022: (lanjutan) (continued)
31 Desember/ December 31, 2022
Tidak
mempunyai
kontrak jatuh
tempo/
Dibayarkan
sesuai
permintaan/
No contractual > 1 bulan- > 3 bulan- Lebih dari 5
maturity/ 3 bulan/ 1 tahun/ tahun/
Jumlah/ Repayable on < 1 bulan/ > 1 month > 3 months > 1 - 5 tahun/ More than 5
Total demand < 1 month 3 months 1 year > 1 - 5 years years
Liabilitas Liabilities
Simpanan nasabah 19.371.837.637 5.532.105.602 7.383.867.327 3.515.512.381 2.940.352.327 - - Deposits from customers
Simpanan dari bank lain 1.334.952.620 255.498.102 1.033.000.000 46.454.518 - - - Deposits from other banks
Efek-efek yang diterbitkan 1.051.903.552 - - - 199.720.232 852.183.320 - Securities issued
Efek-efek yang dijual Securities sold under
dengan janji dibeli kembali 240.865.160 - 240.865.160 - - - - repurchase agreements
Liabilitas lain-lain 127.766.009 - 73.958.949 - 20.706.772 33.100.288 - Other liabilities
22.127.324.978 5.787.603.704 8.731.691.436 3.561.966.899 3.160.779.331 885.283.608 -
Tabel berikut ini menyajikan informasi mengenai The tables below provide information about
perkiraan cash outflow dari rekening administratif estimated cash outflow of off-balance sheet as of
pada tanggal 31 Desember 2023 dan 2022: December 31, 2023 and 2022:
31 Desember/ December 31, 2023
Tidak
mempunyai
kontrak jatuh
tempo/
Dibayarkan
sesuai
permintaan/
No contractual Lebih dari 5
maturity/ Kurang dari/ 1–3 3 – 12 1–5 tahun/
Jumlah/ Repayable on Less than bulan/ bulan/ tahun/ More than 5
Total demand 1 bulan/month months months years years
Fasilitas pinjaman yang
belum digunakan 5.297.647.138 - 1.020.187.729 955.965.602 2.403.674.105 561.174.934 356.644.768 Unused loan facilities
Letter of credit 60.563.964 - 37.759.837 - 22.804.127 - - Letter of credits
Garansi yang diterbitkan 982.802.950 - 3.362.103 115.034.847 855.733.903 8.672.097 - Guarantees issued
Jumlah 6.341.014.052 - 1.061.309.669 1.071.000.449 3.282.212.135 569.847.031 356.644.768 Total
31 Desember/ December 31, 2022
Tidak
mempunyai
kontrak jatuh
tempo/
Dibayarkan
sesuai
permintaan/
No contractual Lebih dari 5
maturity/ Kurang dari/ 1–3 3 – 12 1–5 tahun/
Jumlah/ Repayable on Less than bulan/ bulan/ tahun/ More than 5
Total demand 1 bulan/month months months years years
Fasilitas pinjaman yang
belum digunakan 4.033.693.802 - 644.368.921 339.019.681 3.041.353.700 8.951.500 - Unused loan facilities
Letter of credit 18.705.728 - - - - 18.705.728 - Letter of credits
Garansi yang diterbitkan 347.627.606 - 40.022.563 25.496.815 281.160.828 947.400 - Guarantees issued
Jumlah 4.400.027.136 - 684.391.484 364.516.496 3.322.514.528 28.604.628 - Total
Risiko operasional Operational risk
Risiko operasional adalah risiko kerugian yang Operational risk is the risk of direct or indirect loss
langsung ataupun tidak langsung yang terjadi resulting from inadequate or failure in internal
karena tidak memadainya atau karena adanya processes, people and systems and/or from external
kegagalan proses internal, kesalahan manusia, problems that affect the Bank's operations.
kegagalan sistem, dan/atau adanya kejadian-
kejadian eksternal yang mempengaruhi operasional
Bank.
159
Page 633
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Risiko likuiditas (lanjutan) Liquidity risk (continued)
Risiko ini melekat dalam semua proses bisnis, This type of risk is inherent in all business
kegiatan operasional, sistem dan produk Bank, dari processes, operational activities, systems and
mulai Kantor Pusat sampai Kantor Kas. Kegagalan products of the Bank, from Head Office to Cash
mengelola risiko operasional dapat menyebabkan Office. Failure to manage operational risks properly
kerugian keuangan, keselamatan karyawan dan could lead to financial losses, loss of employee
reputasi Bank hingga akhirnya mempengaruhi safety, and reputation of the Bank until affected
kecukupan modal Bank. Tujuan Bank dalam capital adequacy of the Bank. The Bank's objective
mengelola risiko operasional adalah meminimalisasi in managing operational risk is to minimise the
dampak kegagalan atau ketidakcukupan proses impact of the failure or inadequate internal process,
internal, faktor manusia, sistem atau kejadian- people, system or from external events, which could
kejadian eksternal yang dapat mempunyai dampak have financial loss impact.
kerugian.
Bank menerapkan manajemen risiko operasional The Bank applies the operational risk management
dengan sasaran memastikan bahwa Bank telah with the main target to ensure that the Bank has
melakukan proses manajemen risiko yang meliputi conducted a risk management process that includes
identifikasi, penilaian, pengkajian, mitigasi risiko risk identification, risk assessment, risk evaluation,
serta dilakukan pengawasan dan pelaporan atas risk mitigation and conducted monitoring and
pelaksanaannya. Hal tersebut dilakukan dengan reporting on implementation. This is done with the
tujuan akhir memaksimalkan benefit dari suatu ultimate target to maximise the benefits of a
produk/layanan atau proses transaksi/aktivitas product/service or process transactions/activities
dengan potensi atas risiko operasional yang telah with potential operational risks that have been taken
diperhitungkan. into account.
Proses pengkajian risiko dilakukan untuk menilai A risk assessment process is carried out to evaluate
kecukupan pengendalian internal serta proses the adequacy of internal control and risk
identifikasi dan penelaahan risiko untuk setiap identification and assessment in every process and
proses dan produk di masing-masing unit kerja product in each working unit to ensure compliance
untuk memastikan kepatuhan terhadap kebijakan, with the policies, rules and limits set down by the
peraturan dan batasan-batasan yang dibuat oleh Bank's management. Operational risk management
manajemen Bank. Pengelolaan risiko operasional is also performed by strengthening security and
juga dilakukan dengan memperkuat aspek operational aspects of information technology so that
keamanan dan kehandalan operasi dari teknologi human error, fraud, processing errors and system
informasi sehingga kesalahan manusia, fraud, failure that can affect business continuity can be
kesalahan proses dan potensi kegagalan sistem anticipated and reduced.
yang dapat menyebabkan terganggunya
kelangsungan bisnis dapat ditekan dan diantisipasi
lebih dini.
Dalam pemantauan risiko operasional, fungsi In monitoring operational risk, the Internal Audit
Satuan Kerja Audit Internal (SKAI) melaksanakan (SKAI) conducted an assessment of the
penilaian terhadap penerapan kebijakan dan implementation of risk management policies and
prosedur manajemen risiko pada setiap aktivitas procedures in each functional activity, new products
fungsional, produk atau layanan baru dan Satuan or services and Risk Management Unit (SKMR)
Kerja Manajemen Risiko (SKMR) memastikan function ensures the identification, measurement,
proses identifikasi, pengukuran, pemantauan dan monitoring and risk control work effectively on any
pengendalian risiko berjalan dengan efektif pada functional activity, new products or services.
setiap aktivitas fungsional, produk atau layanan
baru.
Pengawasan oleh Dewan Komisaris dan Direksi Monitoring by the Bank’s Boards of Commissioners
Bank atas profil risiko Bank dan pelaksanaan and Director actively monitor of the Bank's risk
manajemen risiko dilakukan melalui rapat yang profile and its risk management implementation
dilakukan secara berkala dengan jadwal yang telah through meeting that are conducted regularly.
ditentukan.
160
Page 634
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Risiko operasional (lanjutan) Operational risk (continued)
Selain kebijakan dan metode tersebut di atas, Bank Other than policy and the above mentioned method,
juga telah menerapkan upaya yang terus menerus the Bank has continued developing its culture and
dikembangkan untuk membangun lingkungan support the implementation for operational risk. The
budaya yang mendukung pelaksanaan manajemen three line of defense implementation, which consist
risiko operasional. Hal tersebut dilakukan melalui of unit business as the first line of defense,
penguatan pada tiga lini pertahanan (three line of establishment of operational risk management as
defense) yaitu pemberdayaan unit bisnis sebagai lini second line of defense and coordination with Internal
pertahanan pertama, pembentukan fungsi Audit (SKAI) as third line of defense.
manajemen risiko operasional sebagai lini
pertahanan kedua dan koordinasi kerja dengan
Internal Audit (SKAI) sebagai lini pertahanan ketiga.
Risiko hukum Legal risk
Risiko hukum adalah risiko akibat tuntutan hukum Legal risk is the risk related to legal claims and/or
dan/atau kelemahan aspek yuridis. Kelemahan weaknesses in the juridical aspect. Such
aspek yuridis tersebut antara lain disebabkan weaknesses in legal aspect is caused, among
adanya ketiadaan peraturan perundang-undangan others, by the lack of the supporting legislation or the
yang mendukung atau kelemahan perikatan seperti weaknesses of contracts such as incomplete
tidak dipenuhinya syarat sahnya kontrak dan requirements for a valid contract and imperfect
pengikatan dokumen yang tidak sempurna. document contract.
Sebagai sebuah perusahaan yang berdiri dalam As an entity which is governed by the laws of the
yuridiksi hukum Indonesia, Bank harus selalu tunduk Republic of Indonesia, the Bank should always
terhadap segala peraturan hukum yang dikeluarkan comply with all such laws and regulations issued by
oleh regulator industri perbankan di Indonesia. the regulator in the banking industry in Indonesia. In
Selain itu, Bank juga harus mengikuti segala bentuk addition, the Bank should also follow all prevailing
peraturan perundangan yang berlaku di masyarakat rules and regulations in the society whether directly
baik yang terkait secara langsung maupun tidak or indirectly related with the business activities
langsung dengan kegiatan usaha Bank. Kegagalan conducted by the Bank. Failure by the Bank to
Bank dalam mengikuti peraturan hukum yang comply with such prevailing laws and regulations
berlaku dapat mengakibatkan pada timbulnya may give rise to legal claims against the Bank. If
tuntutan hukum yang akan ditujukan kepada Bank. legal claims against the Bank are material in
Apabila tuntutan-tuntutan hukum yang diajukan amounts, then it may directly affect the Bank's
kepada Bank memiliki nilai yang material, maka hal financial performance.
tersebut dapat memberikan dampak secara
langsung terhadap kinerja keuangan Bank.
Bank melaksanakan identifikasi risiko hukum Bank implements legal risk identification based on
berdasarkan beberapa faktor-faktor yang meliputi several factors include lawsuits, lack of rule or law
tuntutan hukum, tidak adanya peraturan regulasi that supports the regulation and the weakness of the
hukum yang mendukung, dan kelemahan perjanjian. agreement. The Bank performed legal risk control to
Pengendalian risiko hukum dilakukan Bank dengan ensure that all activities and working relationships
memastikan bahwa seluruh kegiatan dan hubungan with third parties have been based on the rules and
kerja dengan pihak ketiga telah didasarkan pada requirements that can protect the Bank’s interests
aturan maupun persyaratan yang dapat melindungi from legal terms including the anticipation of
kepentingan Bank dari segi hukum termasuk potential demands from external parties.
antisipasi terhadap potensi tuntutan dari pihak
eksternal.
161
Page 635
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Risiko hukum (lanjutan) Legal risk (continued)
Untuk memitigasi risiko hukum yang mungkin timbul To mitigate the possible legal risk caused by legal
akibat tuntutan hukum atau kelemahan dari aspek claims or weaknesses in legal aspects, the Bank has
hukum, Bank memiliki Biro Hukum. Biro tersebut a General Legal Counsel Bureau. Such division has
memiliki peranan: the following functions:
1) melakukan analisis hukum atas produk dan 1) to provide legal analysis on new product and
aktivitas baru serta membuat standar dokumen activity and prepare standard legal document
hukum yang terkait dengan produk dan aktivitas related with such new product and activity;
baru tersebut;
2) memberikan analisis/pendapat hukum; 2) to provide legal analysis/advice;
3) memberikan pendapat atas eksposur hukum 3) to provide advice on legal exposure due to
akibat perubahan ketentuan atau peraturan; change of laws or regulations;
4) memeriksa segala perjanjian yang akan dibuat 4) to review any contracts between the Bank and
antara Bank dengan pihak ketiga; dan third party; and
5) melakukan pemeriksaan berkala atas perjanjian 5) to conduct a periodical review on contracts
yang telah dibuat. which have been executed.
Dengan adanya biro tersebut, maka kebijakan Based on the bureau above, legal policy and legal
hukum dan standar dokumen hukum yang terkait document standards related to the product or
dengan produk atau fasilitas perbankan yang banking facilities offered by the Bank to public,
ditawarkan oleh Bank kepada masyarakat dimana whereby the legal policy and legal document
kebijakan hukum dan standar dokumen hukum standards are intentionally made in accordance with
dimaksud dibuat dengan mengacu kepada the prevailing laws and regulations also considering
ketentuan peraturan perundangan yang berlaku the interests in the legal aspect of the Bank.
serta memperhatikan kepentingan aspek hukum dari
Bank.
Selain itu, Biro Hukum juga memiliki bagian Litigasi In addition, the General Legal Counsel Bureau also
untuk menangani setiap permasalahan hukum yang has a Litigation division to handle every legal case
terkait dengan litigasi agar risiko hukum yang related to litigation so that the possible legal risk can
mungkin timbul dapat diminimalisir seminimum be minimised as minimum as possible.
mungkin.
Pengelolaan risiko hukum dilakukan dengan The legal risk is also conducted by monitoring the
memantau perkembangan kasus-kasus hukum yang development of legal cases and take lesson learnt
terjadi dan mengambil pembelajaran dari kasus- principle from those cases. The management of legal
kasus tersebut. Penanganan kasus hukum yang cases conducted by the Bank is calculating potential
dilakukan pada Bank senantiasa memperhitungkan loss at all time.
potensi kerugian.
Risiko reputasi Reputation risk
Risiko reputasi adalah risiko akibat menurunnya Reputation risk is the risk related to the decreasing
tingkat kepercayaan stakeholder yang bersumber level of stakeholder’s confidence arising from the
dari persepsi negatif terhadap Bank. Risiko ini negative perception on the Bank. Reputation risk is
melekat dalam setiap kegiatan yang dilakukan oleh inherent in every activity conducted by the Bank. The
Bank. Kegagalan Bank dalam menjaga reputasinya Bank 's failure to protect its reputation in the public's
di mata masyarakat dapat menimbulkan pandangan eye may result in negative view as well as perception
maupun persepsi negatif masyarakat terhadap by the public towards the Bank. If the Bank faces this
Bank. Apabila risiko ini dihadapi oleh Bank, maka risk, then in the short run, the Bank may lose the
dalam waktu singkat dapat terjadi penurunan atau customer's trust that will ultimately result in a
hilangnya kepercayaan nasabah terhadap Bank negative impact to the Bank 's income and volume of
yang pada akhirnya akan memberikan dampak activities.
negatif terhadap pendapatan dan volume aktivitas
Bank.
162
Page 636
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Risiko reputasi (lanjutan) Reputation risk (continued)
Risiko reputasi dapat berdampak langsung pada Reputational risks can have a direct impact on the
berkurangnya kepercayaan nasabah sehingga decreasing of customer confidence as a result the
jumlah nasabah ataupun pendapatan Bank number of customers or the Bank's income
menurun. Dalam mengelola risiko reputasi, Bank decreased. In managing reputation risk, the Bank
berupaya untuk menjaga reputasi dengan seeks to maintain a reputation for providing the best
memberikan pelayanan terbaik dalam menangani service to handle complaints and provide satisfaction
keluhan dan memberikan kepuasan kepada to customers to avoid the appearance of such
nasabah untuk menghindari munculnya keluhan complaints in media.
tersebut di media.
Corporate Secretary setiap hari melakukan The Corporate Secretary performs a daily media
pengawasan atas pemberitaan media untuk monitoring of the news to observe negative
memantau publikasi negatif atau keluhan nasabah publications or customer’s complaints which appear
yang muncul di media. Sedangkan pengawasan in the media. The monitoring of customer’s
atas keluhan nasabah yang disampaikan langsung complaints which are submitted directly to the Bank
ke Bank dilakukan oleh Group Quality Service untuk is performed by the Group Quality Service for follow
kemudian ditindaklanjuti penyelesaiannya. up action to resolve.
Untuk pemberitaan negatif dan keluhan nasabah For negative news publication and customer’s
yang muncul di media selanjutnya dibuatkan complaints which appear in the media, a clarification
klarifikasi dan tanggapan sesuai dengan langkah and appropriate response will be conducted in
yang akan ditempuh Bank. Upaya mitigasi risiko accordance with the steps undertaken by the Bank.
reputasi juga dilakukan saat Bank meluncurkan Efforts to mitigate the reputation risk are also
produk/layanan/program baru dengan menganalisis undertaken everytime when the Bank launches
risiko reputasi yang mungkin timbul dan bagaimana a new product/service/program by analysing the
mengantisipasi risiko tersebut. Demikian pula, untuk possibility of reputation risk that may arise and how
informasi yang material atau yang penting untuk to anticipate such risk. Moreover, for material or
diketahui oleh nasabah, Corporate Secretary juga important information to be known by the customer,
menyiapkan panduan untuk para frontliner dan the Corporate Secretary also prepares guidelines for
spokespersons agar mereka bisa menjelaskan frontliners and spokespersons so that they are able
informasi tersebut secara benar dan proporsional to explain the information correctly and
kepada nasabah. proportionately to customers.
Risiko stratejik Strategic risk
Risiko stratejik adalah risiko akibat ketidaktepatan Strategic risk is the risk due to inaccuracy in
dalam pengambilan dan/atau penerapan suatu deciding and/or implementing a strategic decision as
keputusan stratejik serta kegagalan dalam well as the failure in anticipating the changes in the
mengantisipasi perubahan lingkungan bisnis. business environment. Failure in formulating the
Ketidakmampuan Bank dalam melakukan right strategy may deteriorate the Bank’s business in
penyusunan strategi yang tepat dapat menimbulkan the future.
kegagalan bisnis Bank di masa yang akan datang.
Risiko ini juga mencakup kemampuan Bank dalam This risk also includes the Bank's ability to develop
meningkatkan daya saing dan menciptakan its competitiveness and create a Bank’s
keunggulan kompetitif Bank di tengah kompetisi competitiveness edge amidst the stiff competition in
perbankan yang semakin ketat. Ketidakmampuan the banking industry. The inability of Bank to cope
Bank dalam menghadapi tantangan bisnis yang with such business challenges which are constantly
terus mengalami perubahan dari waktu ke waktu changing from time to time will lead Bank to failure to
akan mengakibatkan kegagalan bagi Bank untuk accomplished determined vision.
mencapai visi yang selama ini telah ditetapkan.
163
Page 637
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Risiko reputasi (lanjutan) Reputation risk (continued)
Bank mengelola risiko stratejik melalui proses The Bank manages strategic risks through
pertimbangan dan pengambilan keputusan secara a comprehensive and collective consideration and
komprehensif dan kolektif di lingkungan komite- decision-making processes encompassing areas of
komite pengawasan dan eksekutif, yang turut the supervisory and executive committee that
mempengaruhi dan berdampak pada langkah- influence and impact business decisions on policies
langkah bisnis yang akan diambil dalam kerangka and directions that the Bank will embark on.
kebijakan dan arah yang telah ditetapkan oleh Bank.
Risiko kepatuhan Compliance risk
Risiko kepatuhan merupakan risiko akibat Bank Compliance risk is the risks resulting from the failure
tidak mematuhi dan/atau tidak melaksanakan of the Bank in fulfilling and/or implementing the
peraturan perundang-undangan dan ketentuan yang prevailing laws and regulations. In engaging in the
berlaku. Dalam menjalankan kegiatan usaha pada banking industry services, the Bank is required to
industri Perbankan, Bank diwajibkan untuk selalu always comply with the banking regulations issued
tunduk terhadap peraturan perbankan yang by the Government, Central Bank and Financial
diterbitkan baik oleh Pemerintah, Bank Indonesia Services Authority (OJK).
maupun Otoritas Jasa Keuangan (OJK).
Pada umumnya, risiko kepatuhan melekat pada In general, the compliance risk is embedded in the
Bank sebagai sebuah lembaga perbankan, seperti: Bank as a banking institution, such as: credit risks
risiko kredit terkait dengan ketentuan Kewajiban related to Capital Adequacy Ratio (CAR) regulations;
Penyediaan Modal Minimum (KPMM); Penilaian Assessment of Assets Quality; Allowance for
Kualitas Aset; Pembentukan Cadangan Kerugian Impairment Losses (CKPN); Legal Lending Limit
Penurunan Nilai (CKPN); Batas Maksimum (LLL); Good Corporate Governance (GCG) and
Pemberian Kredit (BMPK); penerapan tata kelola other risks related to certain regulations including
yang baik (GCG) dan risiko lain yang terkait dengan OJK and Central Bank relevant regulations. The
ketentuan tertentu termasuk peraturan OJK dan inability of the Bank to follow and comply with all
Bank Indonesia yang relevan. Ketidakmampuan laws and regulations related to the Bank's business
Bank untuk mengikuti dan mematuhi seluruh activities may affect the continuity of the Bank's
peraturan perundangan yang terkait dengan operation.
kegiatan usaha Bank dapat berdampak terhadap
kelangsungan usaha Bank.
Risiko kepatuhan dapat bersumber dari perilaku Compliance risk may arise from legal behavior,
hukum, yaitu perilaku atau aktivitas Bank yang which is the Bank’s behavior or activity that deviates
menyimpang atau melanggar dari ketentuan from or violates the provisions and/or laws and
dan/atau peraturan perundang-undangan serta regulations, as well as organizational behavior,
perilaku organisasi, yaitu perilaku atau aktivitas which is the Bank’s behavior or activity that deviates
Bank yang menyimpang atau bertentangan dari from or in contrary to the generally accepted
standar yang berlaku secara umum. standards.
Wujud penerapan manajemen risiko kepatuhan The implementation of compliance risk
antara lain dengan mewujudkan terlaksananya management, among others, is by achieving the
budaya kepatuhan pada seluruh kegiatan usaha implementation of compliance culture at all of the
Bank di setiap jenjang organisasi, menilai dan Bank’s business activities at every organizational
mengevaluasi kecukupan, dan kesesuaian level, assessing and evaluating the adequacy and
kebijakan, ketentuan, sistem maupun prosedur yang conformity of the Bank’s policies, regulations,
dimiliki oleh Bank dengan ketentuan dan peraturan systems, and procedures against the applicable
yang berlaku, memantau atas pelaksanaan prinsip provisions and regulations, monitoring the
kehati-hatian Bank. implementation of the Bank’s prudential principles.
164
Page 638
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
45. MANAJEMEN RISIKO (lanjutan) 45. RISK MANAGEMENT (continued)
Risiko kepatuhan (lanjutan) Compliance risk (continued)
Bank melakukan identifikasi dan pengelolaan risiko The Bank implements early detection and
kepatuhan sejak awal dengan memberikan bantuan management of compliance risks by providing
kepada unit bisnis dan unit operasional dalam hal assistance to business and operational units and
pengembangan produk dan aktivitas baru dan new product and new activity and also evaluated the
secara aktif melakukan penilaian terhadap kebijakan Bank's Guidelines and Procedures to ensure that all
Pedoman dan Prosedur Internal yang dimiliki oleh external regulations have been accommodated and
Bank untuk memastikan bahwa seluruh peraturan implemented correctly.
eksternal telah diakomodir sedemikian rupa dan
selanjutnya untuk dipatuhi dalam pelaksanaannya.
46. NILAI WAJAR INSTRUMEN KEUANGAN 46. FAIR VALUE OF FINANCIAL INSTRUMENTS
Aset dan liabilitas keuangan yang diukur pada nilai The financial assets and liabilities measured at fair
wajar menggunakan hierarki nilai wajar sebagai value use the following fair value hierarchy:
berikut:
i. Tingkat 1: input yang berasal dari harga i. Level 1: inputs that are quoted prices
kuotasian (tanpa penyesuaian) di pasar aktif (unadjusted) in active markets for identical
untuk instrumen yang identik yang dapat instruments that the Bank can access at the
diakses Bank pada tanggal pengukuran. measurement date.
ii. Tingkat 2: input selain harga kuotasian yang ii. Level 2: inputs other than quoted prices included
termasuk dalam level 1 yang dapat diobservasi, within level 1 that are observable either directly
baik secara langsung atau tidak langsung. or indirectly. This category includes instruments
Dalam kategori ini termasuk instrumen yang valued using: quoted market prices in active
dinilai dengan menggunakan: harga kuotasian markets for similar instruments; quoted market
untuk instrumen yang serupa di pasar aktif; prices in active markets for similar instruments;
harga kuotasian untuk instrumen yang identik quoted prices for identical or similar instruments
atau yang serupa di pasar yang tidak aktif; atau in markets that are not active; or other valuation
teknik penilaian lainnya dimana seluruh input techniques in which all significant inputs are
signifikan dapat diobservasi secara langsung directly or indirectly observable from market
maupun tidak langsung dari data pasar. data.
iii. Tingkat 3: input yang tidak dapat diobservasi. iii. Level 3: inputs that are unobservable. This
Dalam kategori ini termasuk semua instrumen category includes all instruments for which the
dimana teknik penilaian menggunakan input valuation technique includes inputs not based on
yang tidak dapat diobservasi dan input yang observable data and the unobservable inputs
tidak dapat diobservasi ini memberikan dampak have a significant effect on the instrument’s
signifikan terhadap penilaian instrumen. valuation. This category includes instruments
Termasuk dalam kategori ini adalah instrumen that are valued based on quoted prices for
yang dinilai berdasarkan harga kuotasian untuk similar instruments for which significant
instrumen serupa yang memerlukan unobservable adjustments or assumptions are
penyesuaian atau asumsi signifikan yang tidak required to reflect differences between the
dapat diobservasi untuk mencerminkan instruments.
perbedaan diantara instrumen tersebut.
165
Page 639
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
46. NILAI WAJAR INSTRUMEN KEUANGAN 46. FAIR VALUE OF FINANCIAL INSTRUMENTS
(lanjutan) (continued)
Tabel berikut menyajikan instrumen keuangan Bank The following table presents the Bank’s financial
yang diukur sebesar nilai wajar: instruments that are measured at fair value:
31 Desember/ December 31, 2023
Tingkat 1/ Tingkat 2/ Tingkat 3/ Jumlah/
Level 1 Level 2 Level 3 Total
Aset keuangan Financial assets
Efek-efek 1.328.291.579 1.097.502.547 - 2.425.794.126 Marketable securities
Penyertaan saham - - 0*) 0*) Investment in shares
Jumlah 1.328.291.579 1.097.502.547 - 2.425.794.126 Total
*) nilai wajar saham PT Bima Multi Finance adalah sebesar Rp1 *) fair value of shares in PT Bima Multi Finance are Rp1 (in full amount)
(dalam nilai penuh)
31 Desember/ December 31, 2022
Tingkat 1/ Tingkat 2/ Tingkat 3/ Jumlah/
Level 1 Level 2 Level 3 Total
Aset keuangan Financial assets
Efek-efek 593.209.954 1.565.738.441 - 2.158.948.395 Marketable securities
Penyertaan saham - - 31.877.279 31.877.279 Investment in shares
Jumlah 593.209.954 1.565.738.441 31.877.279 2.190.825.674 Total
Tidak terdapat perpindahan antara tingkat 1 dan There is no transfer between level 1 and level 2 of
tingkat 2 hierarki nilai wajar. fair value hierarchy.
Tabel berikut ini menyajikan perubahan pada The following table presents the changes in Bank’s
instrumen keuangan Bank yang diukur dengan financial instruments measured at level 3 - fair value
tingkat 3 - hierarki nilai wajar untuk tahun yang hierarchy for the year ended December 31, 2023
berakhir pada 31 Desember 2023 dan 2022. and 2022.
31 Desember/December 31, 2023
Kerugian yang
diakui pada
laba rugi/
Saldo awal/ Loss
Beginning Penambahan/ recognised in Jumlah/
balance Additions profit or loss Total
Aset keuangan Financial assets
Penyertaan saham 31.877.279 - (31.877.279) - Investment in shares
31 Desember/December 31, 2022
Kerugian yang
diakui pada
laba rugi/
Saldo awal/ Loss
Beginning Penambahan/ recognised in Jumlah/
balance Additions profit or loss Total
Aset keuangan Financial assets
Penyertaan saham 34.886.943 - (3.009.664) 31.877.279 Investment in shares
Pada tanggal 31 Desember 2023, Bank melakukan As of December 31, 2023, the Bank reassessed the
penilaian kembali atas nilai pasar 100% Ekuitas market value of 100% Equity of PT Bima Multi
PT Bima Multi Finance. Berdasarkan laporan dari Finance. Based on Independent Appraisal report
penilai Independen KJPP Tri, Santi dan Rekan yang from the independent appraiser KJPP Tri, Santi and
ditandatangani oleh Santi Dewiyani, MAPPI (Cert.) Associates signed by Santi Dewiyani, MAPPI (Cert.)
pada tanggal 8 Desember 2023. Nilai wajar dari on December 8, 2023. The fair value of the
penyertaan saham sementara ditentukan temporary share investment was determined using
menggunakan laporan keuangan per 30 September the financial statements as of September 30, 2023
2023 dengan pendekatan aset metode Adjusted with an asset approach using the Adjusted Book
Book Value (ABV) dan asumsi tingkat diskon Value (ABV) method and assumption the discount
likuiditas pasar sebesar 30%. for lack of marketability of 30%.
166
Page 640
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
46. NILAI WAJAR INSTRUMEN KEUANGAN 46. FAIR VALUE OF FINANCIAL INSTRUMENTS
(lanjutan) (continued)
Pada tanggal 31 Desember 2022 nilai wajar dari As of December 31, 2022 the fair value of of
penyertaan saham sementara di PT Bima temporary investment in shares in
Multi Finance ditentukan dengan menggunakan PT Bima Multi Finance is determined using a
model arus kas yang didiskontokan dengan tingkat discounted cash flow model with a discount rate of
diskonto sebesar 11,15% dan 7,65% yang 11.15% and 7.65% generated through analysis of
dihasilkan melalui analisa atas kinerja historis pada historical performance in the period of 2014 - 2021
periode tahun 2014 - 2021 serta proyeksi kinerja and the performance projections made by the
yang dibuat oleh Manajemen PT Bima Multi Finance Management of PT Bima Multi Finance for the period
untuk periode tahun 2022 - 2027 berdasarkan 2022 - 2027 based on adjusted future business
rencana bisnis untuk masa yang akan datang yang plans to generate net cash flow for the period 2022 -
telah disesuaikan untuk menghasilkan arus kas 2027.
bersih untuk periode tahun 2022 - 2027.
Tabel berikut merangkum informasi kuantitatif The following table summarises the quantitative
mengenai asumsi signifikan yang tidak dapat information about the significant unobservable
diobservasi (tingkat 3) yang digunakan dalam assumptions (level 3) used in the fair value
pengukuran nilai wajar penyertaan saham measurements of temporary investment in shares in
sementara pada PT Bima Multi Finance. PT Bima Multi Finance.
Rentang Input/Range of Input
31 Desember/December 31, 2022
Tingkat diskonto 11,15% Discount rate
Tingkat diskon likuiditas pasar 0,00% Discount for lack of marketability
Suku bunga kontraktual 40,00% Contractual interest rate
Rata-rata pembiayaan per unit Rp10.443 Average financing per unit
Rata-rata tertimbang kenaikan Weighted average of
Penjualan per tahun 17,70% increment in sales per year
Tingkat kolektibilitas angsuran 72,00%-91,00% Collection rate for installment
Input utama tingkat 3 yang digunakan oleh Bank The main level 3 inputs used by the Bank are
didapatkan dan dievaluasi sebagai berikut: derived and evaluated as follows:
Tingkat diskonto ditentukan menggunakan Discount rate is determined using cost of equity.
biaya ekuitas. Semakin tinggi nilai diskonto, The higher the discount rate, the lower the fair
semakin rendah nilai wajar. value.
Tingkat diskon likuiditas pasar adalah suatu The discount for lack of marketability is a certain
jumlah atau persentase tertentu yang amount or percentage which is a deduction
merupakan pengurang dari nilai suatu ekuitas from the value of an equity as a reflection of the
sebagai cerminan dari kurangnya likuiditas lack of liquidity of the valued bbject. The higher
objek penilaian. Semakin tinggi nilai diskon the discount for lack of marketability, the lower
likuiditas pasar, semakin rendah nilai wajar. the fair value.
Suku bunga kontraktual adalah suku bunga Contractual interest rate is the interest rate
yang tercatat pada kontrak pembiayaan recorded in the financing contract of PT Bima
PT Bima Multi Finance. Semakin tinggi nilai Multi Finance. The higher the contractual
suku bunga kontraktual, semakin tinggi nilai interest rate, the higher the fair value.
wajar.
Rata-rata pembiayaan per unit adalah rata-rata Average financing per unit is the average value
nilai kontrak pembiayaan di PT Bima Multi of the financing contract at PT Bima Multi
Finance. Semakin tinggi nilai rata-rata Finance. The higher the average value of
pembiayaan per unit, semakin tinggi nilai wajar. financing per unit, the higher the fair value.
167
Page 641
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
46. NILAI WAJAR INSTRUMEN KEUANGAN 46. FAIR VALUE OF FINANCIAL INSTRUMENTS
(lanjutan) (continued)
Input utama tingkat 3 yang digunakan oleh Bank The main level 3 inputs used by the Bank are
didapatkan dan dievaluasi sebagai berikut: derived and evaluated as follows: (continued)
(lanjutan)
Rata-rata tertimbang kenaikan penjualan per The weighted average sales increase per year
tahun ditentukan berdasarkan kinerja historis is determined based on historical performance
pada periode tahun 2014 - 2021 serta proyeksi in the period 2014 - 2021 and the performance
kinerja yang dibuat oleh Manajemen PT Bima projections made by the Management of
Multi Finance untuk periode tahun 2022 - 2027 PT Bima Multi Finance for the period 2022 -
berdasarkan rencana bisnis untuk masa yang 2027 based on future business plans. The
akan datang. Semakin tinggi nilai rata-rata higher the weighted average value of sales
tertimbang kenaikan penjualan per tahun, increases per year, the higher the fair value.
semakin tinggi nilai wajar.
Tingkat kolektibilitas angsuran ditentukan The installment collectibility level is determined
berdasarkan kinerja historis pada periode tahun based on historical performance in the period
2014 - 2021 serta proyeksi kinerja yang dibuat 2014 - 2021 and performance projections made
oleh Manajemen PT Bima Multi Finance untuk by the Management of PT Bima Multi Finance
periode tahun 2022 - 2027 berdasarkan for the period 2022 - 2027 based on future
rencana bisnis untuk masa yang akan datang. business plans. The higher the installment rate,
Semakin tinggi tingkat kolektibilitas angsuran, the higher the fair value.
semakin tinggi nilai wajar.
Tabel di bawah ini menyajikan perbandingan antara The table below summarises the comparison
nilai tercatat dan nilai wajar dari aset dan liabilitas between the carrying amounts and fair values of all
keuangan yang tidak diukur pada nilai wajar. Nilai financial assets and liabilities except those
wajar yang diungkapkan adalah berdasarkan measured at fair value. The fair values disclosed are
informasi relevan yang tersedia pada tanggal based on relevant information available as of
31 Desember 2023 dan 2022, dan tidak December 31, 2023 and 2022, and are not updated
diperbaharui untuk mencerminkan perubahan dalam to reflect changes in market conditions which have
kondisi pasar yang telah terjadi setelah tanggal ini. occurred after these dates.
31 Desember/December 31, 2023
Nilai tercatat/ Nilai wajar/
Carrying value Fair value
Aset Keuangan Financial Assets
Kas 92.820.864 92.820.864 Cash
Giro pada Bank Indonesia 1.493.076.850 1.493.076.850 Current accounts with Bank Indonesia
Giro pada bank lain 296.297.193 296.297.193 Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia and
dan bank lain - bersih 915.368.748 915.368.748 other banks - net
Efek-efek - bersih 3.851.497.641 3.856.960.471 Marketable securities - net
Efek-efek yang dibeli dengan Securities purchased under
janji dijual kembali - bersih 636.732.554 633.930.554 resale agreements
Pendapatan bunga dan syariah Interest and sharia
yang masih akan diterima 368.407.923 368.407.923 income receivables
Pinjaman yang diberikan, pembiayaan Loans, sharia
dan piutang kembali - bersih 18.053.870.975 18.043.073.004 financing and receivables - net
Tagihan akseptasi 12.474.839 12.474.839 Acceptance receivables
Aset lain-lain 23.076.537 23.076.537 Other assets
Jumlah aset keuangan 25.743.624.124 25.735.486.983 Total financial assets
Liabilitas Keuangan Financial Liabilities
Simpanan nasabah 22.429.180.492 22.429.180.492 Deposits from customers
Simpanan dari bank lain 1.104.803.359 1.104.803.359 Deposits from other banks
Efek-efek yang diterbitkan 1.347.639.528 1.382.811.890 Securities issued
Efek-efek yang dijual Securities sold
dengan janji dibeli kembali 643.266.730 643.266.730 under repurchase agreement
Utang akseptasi 11.959.811 11.959.811 Acceptance payables
Akrual dan liabilitas lain-lain 160.229.698 160.229.698 Accruals and other liabilities
Jumlah liabilitas keuangan 25.697.079.618 25.732.251.980 Total financial liabilities
168
Page 642
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
46. NILAI WAJAR INSTRUMEN KEUANGAN 46. FAIR VALUE OF FINANCIAL INSTRUMENTS
(lanjutan) (continued)
31 Desember/December 31, 2022
Nilai tercatat/ Nilai wajar/
Carrying value Fair value
Aset Keuangan Financial Assets
Kas 51.897.124 51.897.124 Cash
Giro pada Bank Indonesia 1.506.565.848 1.506.565.848 Current accounts with Bank Indonesia
Giro pada bank lain 228.384.427 228.384.427 Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia and
dan bank lain - bersih 858.327.515 858.327.515 other banks - net
Efek-efek - bersih 2.650.742.054 2.349.677.241 Marketable securities - net
Efek-efek yang dibeli dengan Securities purchased under
janji dijual kembali - bersih 839.432.375 831.423.125 resale agreements
Pendapatan bunga dan syariah Interest and sharia
yang masih akan diterima 391.679.779 391.679.779 income receivables
Pinjaman yang diberikan, pembiayaan Loans, sharia
dan piutang kembali - bersih 15.286.492.840 15.241.740.231 financing and receivables - net
Tagihan akseptasi 7.754.446 7.754.446 Acceptance receivables
Aset lain-lain 29.246.923 29.246.923 Other assets
Jumlah aset keuangan 21.850.523.331 21.496.696.659 Total financial assets
Liabilitas Keuangan Financial Liabilities
Simpanan nasabah 19.371.837.637 19.371.837.637 Deposits from customers
Simpanan dari bank lain 1.334.952.620 1.334.952.620 Deposits from other banks
Efek-efek yang diterbitkan 1.051.903.552 1.072.026.260 Securities issued
Efek-efek yang dijual Securities sold
dengan janji dibeli kembali 240.865.160 240.865.160 under repurchase agreement
Akrual dan liabilitas lain-lain 127.766.009 127.766.009 Accruals and other liabilities
Jumlah liabilitas keuangan 22.127.324.978 22.147.447.686 Total financial liabilities
Metode dan asumsi yang digunakan untuk estimasi The methods and assumptions used to estimate fair
nilai wajar adalah sebagai berikut: value are as follows:
a. Efek-efek a. Marketable securities
Nilai wajar untuk efek-efek yang diukur pada The fair value for securities measured at
biaya perolehan diamortisasi ditetapkan amortised cost is based on market prices or
berdasarkan harga pasar atau harga kuotasi broker/dealer price quotations (level 1 - fair
perantara (broker)/pedagang efek (dealer) value hierarchy). Where this information is not
(tingkat 1 - hierarki nilai wajar). Jika informasi ini available, fair value is estimated using quoted
tidak tersedia, nilai wajar diestimasi dengan market prices for securities with similar credit,
menggunakan harga pasar kuotasi efek yang maturity and yield characteristics (level 2 - fair
memiliki karakteristik kredit, jatuh tempo dan value hierarchy).
yield yang serupa (tingkat 2 - hierarki nilai
wajar).
b. Pinjaman yang diberikan b. Loans
Pinjaman yang diberikan dinyatakan Loans are recorded at carrying amount net of
berdasarkan jumlah nilai tercatat setelah charges for impairment. The estimated fair value
dikurangi oleh beban penurunan nilai. Estimasi of loans represents the discounted amount of
nilai wajar dari pinjaman yang diberikan estimated future cash flows expected to be
mencerminkan jumlah diskonto dari estimasi received. Estimated cash flows are discounted
kini dari arus kas masa depan yang diharapkan at current market rates to determine fair value
akan diterima. Arus kas yang diharapkan (level 3 - fair value hierarchy).
didiskontokan pada tingkat suku bunga pasar
terkini untuk menentukan nilai wajar (tingkat 3 -
hierarki nilai wajar).
169
Page 643
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
46. NILAI WAJAR INSTRUMEN KEUANGAN 46. FAIR VALUE OF FINANCIAL INSTRUMENTS
(lanjutan) (continued)
Metode dan asumsi yang digunakan untuk estimasi The methods and assumptions used to estimate fair
nilai wajar adalah sebagai berikut: (lanjutan) value are as follows: (continued)
c. Efek-efek yang diterbitkan c. Securities issued
Nilai wajar untuk efek-efek yang diukur pada The fair value for securities issued measured at
biaya perolehan diamortisasi ditetapkan amortised cost based on market prices or
berdasarkan harga pasar atau harga kuotasi broker/dealer price quotations (level 1 - fair
perantara (broker)/pedagang efek (dealer) value hierarchy). The aggregate fair values are
(tingkat 1 - hierarki nilai wajar). Nilai wajar calculated based on quoted market prices. For
agregat dihitung berdasarkan harga pasar those notes where quoted market prices are not
kuotasi. Jika informasi ini tidak tersedia, model available, a discounted cash flow model is used
diskonto arus kas digunakan berdasarkan kurva based on a current yield curve appropriate for
yield terkini yang sesuai dengan sisa periode the remaining term to maturity (level 2 - fair
jatuh temponya (tingkat 2 - hierarki nilai wajar). value hierarchy).
d. Sebagian besar dari instrumen keuangan yang d. Majority of the financial instrument not measured
tidak diukur pada nilai wajar, diukur pada biaya at fair value are measured at amortised cost.
perolehan diamortisasi. Berikut daftar instrumen The following are financial instruments for which
keuangan yang nilai tercatatnya mendekati nilai their carrying amount are reasonable
wajarnya, contohnya, instrumen keuangan approximation of fair value because, for
jangka pendek atau yang ditinjau ulang example, they are short term in nature or re-
menggunakan harga pasar secara berkala. price to current market rates frequently.
Aset Keuangan: Financial Assets:
- Kas - Cash
- Giro pada Bank Indonesia - Current accounts with Bank Indonesia
- Giro pada bank lain - Current accounts with other banks
- Penempatan pada Bank Indonesia dan - Placement with Bank Indonesia and other
bank lain banks
- Pendapatan bunga dan syariah yang masih - Interest and sharia income receivables
akan diterima
- Tagihan akseptasi - Acceptance receivables
- Aset lain-lain - Other assets
Liabilitas Keuangan: Financial Liabilities:
- Simpanan nasabah - Deposits from customers
- Simpanan dari bank lain - Deposits from other banks
- Efek-efek yang dijual dengan janji dibeli - Securities sold under repurchase
kembali agreements
- Utang akseptasi - Acceptance payable
- Akrual dan liabilitas lain-lain - Accrued and other liabilities
47. MANAJEMEN MODAL 47. CAPITAL MANAGEMENT
Tujuan utama dari kebijakan Bank atas kebijakan The primary objectives of the Bank's capital
pengelolaan modal adalah untuk memastikan management policy are to ensure that the Bank has
bahwa Bank memiliki modal yang kuat untuk a strong capital to support the Bank's business
mendukung strategi pengembangan ekspansi usaha expansion strategy currently to sustain future
Bank saat ini dan mempertahankan kelangsungan development of the business, to meet regulator
pengembangan di masa mendatang, dan untuk capital adequacy requirements and also to ensure
memenuhi ketentuan kecukupan permodalan yang the efficiency of Bank's capital structure.
ditetapkan oleh regulator serta memastikan agar
struktur permodalan Bank telah efisien.
170
Page 644
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
47. MANAJEMEN MODAL (lanjutan) 47. CAPITAL MANAGEMENT (continued)
Bank menyusun Rencana Permodalan berdasarkan The Bank undertakes Capital Planning based on
penilaian dari penelaahan atas kebutuhan assessment and review of the capital situation in
kecukupan permodalan yang dipersyaratkan dan terms of the legal capital adequacy requirement,
mengkombinasikannya dengan tinjauan combined with assessment of economic outlooks.
perkembangan ekonomi terkini. Bank senantiasa The Bank will continue to link financial and capital
akan menghubungkan tujuan keuangan dan adequacy goals to risk appetite through the capital
kecukupan modal terhadap risiko melalui proses planning process as well as assess the businesses
perencanaan modal, begitu pula dengan bisnis yang based on the Bank's capital and liquidity
didasarkan pada permodalan dan persyaratan requirements.
likuiditas Bank.
Kebutuhan permodalan Bank juga direncanakan The capital needs of the Bank are also discussed
dan didiskusikan secara rutin yang didukung dengan and planned on a routine basis as supported by data
data analisis. analysis.
Permodalan disusun oleh Direksi sebagai bagian Capital Planning is prepared by Directors as part of
dari Rencana Bisnis Bank dan disetujui oleh Dewan the Bank's business plan and is approved by the
Komisaris. Perencanaan ini diharapkan akan Board of Commissioners. Capital Planning ensures
memastikan tersedianya modal yang cukup dan that adequate levels of capital and an optimum mix
terciptanya struktur permodalan yang optimal untuk of the different components of capital are maintained
mendukung strategi Bank. to support the Bank's strategy.
Bank telah melakukan perhitungan kecukupan The Bank calculated its capital adequacy
modal berdasarkan ketentuan Bank Indonesia yang requirements using the prevailing Bank Indonesia
berlaku, dimana modal yang dimiliki diklasifikasikan regulation, where the regulatory capital is classified
dalam 2 Tier yaitu Modal Tier I dan Modal Tier II. into 2 Tiers, mainly Tier I Capital and Tier II Capital.
Bank mematuhi semua persyaratan modal yang The Bank has complied with all externally imposed
ditetapkan oleh pihak eksternal sepanjang periode capital requirements throughout the reporting period,
pelaporan, khususnya berkenaan dengan particularly regarding Capital Adequacy Ratio (CAR)
perhitungan Kewajiban Penyediaan Modal Minimum and calculation of Risk Weighted Assets (RWA).
(KPMM) dan Aktiva Tertimbang Menurut Risiko
(ATMR).
Kewajiban penyediaan modal Bank dengan The Bank's capital adequacy ratio with consideration
memperhitungkan risiko kredit, risiko operasional for credit, operational and market risks:
dan risiko pasar:
31 Desember/December 31,
2023 2022
Modal inti (Tier I) 3.287.238.228 3.201.440.267 Core Capital (Tier I)
Modal pelengkap (Tier II) 532.853.302 674.675.196 Supplementary Capital (Tier II)
Jumlah Modal 3.820.091.530 3.876.115.463 Total Capital
Aset Tertimbang Menurut Risiko Risk Weighted Assets for
untuk Risiko Kredit 16.999.048.864 16.177.645.218 Credit Risk
Aset Tertimbang Menurut Risiko Risk Weighted Assets for
untuk Risiko Operasional 1.466.732.341 984.238.535 Operational Risk
Aset Tertimbang Menurut Risiko Risk Weighted Assets for
untuk Risiko Pasar 685.118.902 478.131.085 Market Risk
Rasio Kewajiban Penyediaan Capital Adequacy Ratio
Modal Minimum untuk risiko (CAR) with credit and
kredit dan risiko operasional 20,69% 22,59% operational risks
Rasio Kewajiban Penyediaan Capital Adequacy Ratio
Modal Minimum untuk risiko kredit, (CAR) with credit, operational
risiko operasional dan risiko pasar 19,95% 21,97% and market risks
Rasio Kewajiban Penyediaan Minimum Capital Adequacy
Modal Minimum yang diwajibkan 8,00% 8,00% Ratio required
171
Page 645
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
48. DIVESTASI ANAK PERUSAHAAN 48. DIVESTMENT OF SUBSIDIARY
Di bulan Desember 2022, Bank telah melakukan In December 2022, Bank has divested 80%
divestasi atas 80% kepemilikan di entitas anak, ownership in subsidiary, PT Bank Victoria Syariah
PT Bank Victoria Syariah atau sebanyak which was equivalent to 288,000,000 shares to
288.000.000 lembar saham kepada PT Victoria PT Victoria Investama Tbk (majority shareholder) with
Investama Tbk (pemegang saham utama) dengan selling price equivalent to the nominal value of
harga jual sebesar nilai nominal saham dari entitas investment in the subsidiary amounted to
anak tersebut yaitu sebesar Rp288.000.000. Rp288,000,000.
Nilai tercatat investasi pada entitas anak adalah Carrying amount of investment in subsidiary
sebesar Rp288.968.382 dan rugi dari divestasi amounted to Rp288,968,382 and loss from
sebesar Rp968.382 dicatat di akun tambahan modal divestment of Rp968,382 was recorded in additional
disetor. Transaksi divestasi ini merupakan transaksi paid-in capital account. This divestment was business
kombinasi bisnis entitas sepengendali, oleh karena combination transaction between entities under
itu dicatat sesuai dengan PSAK 38 “Kombinasi common control, therefore it was recorded in
Bisnis Entitas Sepengendali”. Setelah divestasi, accordance with SFAS 38 “Business Combination
kepemilikan Bank di PT Bank Victoria Syariah Under Common Control Entities”. After divestment,
adalah 19,81% dan Bank memiliki pengaruh Bank’s ownership in PT Bank Victoria Syariah is
signifikan, oleh karena itu investasi di PT Bank 19.81% and Bank has significant influence, therefore
Victoria Syariah dicatat dengan metode ekuitas. the investment in PT Bank Victoria Syariah is
recognized using equity method.
Pada tanggal 22 Desember 2022, Bank telah On December 22, 2022, the Bank has received
mendapatkan persetujuan dari OJK atas divestasi approval from Financial Service Authority (OJK) for
tersebut melalui surat No. S-301/PB.101/2022 the divestment through letter No. S-301/PB.101/2022
tertanggal 22 Desember 2022. Sejak tanggal dated December 22, 2022. Since December 23,
23 Desember 2022, PT Bank Victoria Syariah tidak 2022, PT Bank Victoria Syariah is no longer
lagi dikonsolidasikan ke dalam Laporan Keuangan consolidated into Bank’s Financial Statements.
Bank.
49. STANDAR AKUNTANSI BARU 49. NEW ACCOUNTING STANDARD
Standar akuntansi yang telah diterbitkan sampai The accounting standards that have been issued up
tanggal penerbitan laporan keuangan Bank namun to the date of issuance of the Bank’s financial
belum berlaku efektif diungkapkan berikut ini. statements, but not yet effective are disclosed
below.
Mulai efektif pada atau setelah tanggal 1 Januari Effective beginning on or after January 1, 2024
2024
Pilar Standar Akuntansi Keuangan Financial Accounting Standards Pillars
Standar ini memberikan persyaratan dan pedoman These standards provides requirements and
bagi entitas untuk menerapkan standar akuntansi guidelines for entities to apply the correct financial
keuangan yang benar dalam menyusun laporan accounting standards in preparing general purpose
keuangan bertujuan umum. Akan ada 4 (empat) financial statements. There will be 4 (four) financial
standar akuntansi keuangan yang saat ini accounting standards that are currently applied in
diterapkan di Indonesia, yaitu: Indonesia, namely:
1. Pilar 1 Standar Akuntansi Keuangan 1. Pillar 1 International Financial Accounting
Internasional, Standards,
2. Pilar 2 Standar Akuntansi Keuangan Indonesia 2. Pillar 2 Indonesian Financial Accounting
(PSAK), Standards (SFAS),
3. Pilar 3 Standar Akuntansi Keuangan Indonesia 3. Pillar 3 Indonesian Financial Accounting
untuk Entitas Swasta/Standar Akuntansi Standards for Private Entities/Indonesian
Keuangan Indonesia untuk Entitas Tanpa Financial Accounting Standards for Entities
Akuntabilitas Publik, dan without Public Accountability, and
4. Pilar 4 Standar Akuntansi Keuangan Indonesia 4. Pillar 4 Indonesian Financial Accounting
untuk Entitas Mikro Kecil dan Menengah. Standards for Micro Small and Medium Entities.
172
Page 646
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
49. STANDAR AKUNTANSI BARU (lanjutan) 49. NEW ACCOUNTING STANDARD (continued)
Mulai efektif pada atau setelah tanggal 1 Januari Effective beginning on or after January 1, 2024
2024 (lanjutan) (continued)
Standar Akuntansi Keuangan Internasional International Financial Accounting Standard
Standar ini merupakan adopsi penuh dari This standard is a full-adoption of International
International Financial Reporting Standards (“IFRS”) Financial Reporting Standards (“IFRS”) which is
yang diterjemahkan kata demi kata dan tidak ada translated in a word-for-word basis and there is no
modifikasi dari Standar IFRS, termasuk tanggal modifications from IFRS Standards, including the
efektifnya. Entitas yang memenuhi persyaratan effective date. Entities that meet the requirements
dapat menerapkan standar ini, sejak tanggal efektif. can apply this standard, from the effective date.
Nomenklatur Standar Akuntansi Keuangan Financial Accounting Standards Nomenclature
Standar ini ini mengatur penomoran baru untuk This standard regulates the new numbering for
standar akuntansi keuangan yang berlaku di financial accounting standards applicable in
Indonesia yang diterbitkan oleh DSAK IAI. Indonesia issued by DSAK IAI.
Amandemen PSAK 1: Liabilitas Jangka Panjang Amendment of SFAS 1: Non-current Liabilities with
dengan Kovenan Covenants
Amandemen ini menentukan persyaratan untuk The amendments specify the requirements for
mengklasifikasikan suatu liabilitas sebagai jangka classifying liabilities as current or non-current and
pendek atau jangka panjang dan menjelaskan: clarify:
hal yang dimaksud sebagai hak untuk what is meant by a right to defer settlement,
menangguhkan pelunasan, the right to defer must exist at the end of the
hak untuk menangguhkan pelunasan harus ada reporting period,
pada akhir periode pelaporan,
klasifikasi tersebut tidak dipengaruhi oleh classification is not affected by the likelihood that
kemungkinan entitas akan menggunakan hak an entity will exercise its deferral right, and
nya untuk menangguhkan liabilitas, dan
hanya jika derivatif melekat pada liabilitas only if an embedded derivative in a convertible
konversi tersebut adalah suatu instrumen liability is an equity instrument would the terms
ekuitas, maka syarat dan ketentuan dari suatu and conditions of a liability will not impact its
liabilitas konversi tidak akan berdampak pada classification.
klasifikasinya.
Selain itu, persyaratan telah diperkenalkan untuk In addition, a requirement has been introduced to
mewajibkan pengungkapan ketika suatu kewajiban require disclosure when a liability arising from a loan
timbul dari pinjaman perjanjian diklasifikasikan agreement is classified as non-current and the
sebagai tidak lancar dan hak entitas untuk menunda entity’s right to defer settlement is contingent on
penyelesaian bergantung pada kepatuhan terhadap compliance with future covenants within twelve
persyaratan di masa depan dalam waktu dua belas months.
bulan.
Amandemen PSAK 73: Liabilitas Sewa dalam Jual Amendment of SFAS 73: Lease liability in a Sale
Beli dan Sewa-balik and Leaseback
Amandemen PSAK 73 Sewa menetapkan The amendment to SFAS 73 Leases specifies the
persyaratan yang digunakan penjual-penyewa requirements that a seller-lessee uses in measuring
dalam mengukur kewajiban sewa yang timbul dalam the lease liability arising in a sale and leaseback
transaksi jual beli dan sewa-balik, untuk memastikan transaction, to ensure the seller-lessee does not
penjual-penyewa tidak mengakui jumlah setiap recognise any amount of the gain or loss that relates
keuntungan atau kerugian yang terkait dengan hak to the right of use it retains.
guna yang dipertahankan.
173
Page 647
The original financial statements included herein are in
Indonesian language.
PT BANK VICTORIA INTERNATIONAL Tbk PT BANK VICTORIA INTERNATIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Tanggal 31 Desember 2023 dan untuk As of December 31, 2023 and
Tahun yang Berakhir pada Tanggal Tersebut for the Year Then Ended
(Disajikan dalam Ribuan Rupiah, (Expressed in Thousands of Rupiah,
Kecuali Dinyatakan Lain) Unless Otherwise Stated)
49. STANDAR AKUNTANSI BARU (lanjutan) 49. NEW ACCOUNTING STANDARD (continued)
Mulai efektif pada atau setelah tanggal 1 Januari Effective beginning on or after January 1, 2024
2024 (lanjutan) (continued)
Amandemen PSAK 2 dan PSAK 60: Pengaturan Amendment of SFAS 2 and SFAS 60: Supplier
Pembiayaan Pemasok Finance Arrangements
Amandemen PSAK 2 dan PSAK 60 mengklarifikasi The amendments to SFAS 2 and SFAS 60 clarify the
karakteristik pengaturan pembiayaan pemasok dan characteristics of supplier finance arrangements and
mensyaratkan pengungkapan tambahan atas require additional disclosure of such arrangements.
pengaturan pembiayaan pemasok tersebut. The disclosure requirements in the amendments are
Persyaratan pengungkapan dalam amandemen ini intended to assist users of financial statements in
dimaksudkan untuk membantu pengguna laporan understanding the effects of supplier finance
keuangan dalam memahami dampak pengaturan arrangements on an entity’s liabilities, cash flows
pembiayaan pemasok terhadap liabilitas, arus kas, and exposure to liquidity risk.
dan eksposur terhadap risiko likuiditas suatu entitas.
Dampak dari penerapan standar, amendemen/ The Company’s management is currently evaluating
penyesuaian, dan interpretasi tersebut terhadap and has not determined the effect of these SFAS
laporan keuangan masih dalam proses evaluasi dan amandements and improvements and ISAK to the
belum dapat ditentukan oleh manajemen. financial statement.
174
Page 648
PT BANK VICTORIA INTERNATIONAL TBK Gedung Graha BIP Lt. 10 Jl. Gatot Subroto Kav. 23 Kel. Karet Semanggi, Kec. Setiabudi Jakarta Selatan, 12930, Indonesia T : (021) 522 8888 F : (021) 522 8777 E : corsec@victoriabank.co.id www.victoriabank.co.id 2023 Laporan Tahunan & Keberlanjutan Annual & Sustainability Report
Names mentioned 306 people and organisations named in the text · linked when the evidence is strong
linked
person
Muhammad Rakhmadhani
· Senior Executive Vice President of Change Management Office
p.71 ×4
possible
—
Suryadi
· Senior Executive Vice President of Finance, Accounting & Management Information System
p.83
unresolved
org
Bank Victoria
p.2 ×419
unresolved
org
Financial Services Authority
p.2 ×33
unresolved
org
Bank Victoria’s
p.7 ×33
unresolved
org
Bank Victoria Tahun
p.7
unresolved
org
Bank Victoria’s RAKB
p.7
unresolved
org
Bank Victoria. Indikator
p.8 ×2
unresolved
org
Bank Victoria. Oleh
p.11 ×3
unresolved
org
Bank Victoria. Therefore
p.11 ×2
unresolved
org
Bank Victoria Tinjauan Keuangan
p.14
unresolved
person
Rangkap
· Komisaris
p.15 ×2
unresolved
org
Bank Governance Penanganan Benturan Kepentingan
p.15
unresolved
person
Penanganan Benturan Kepentingan
· Komisaris
p.15
unresolved
person
Kebijakan Keberagaman Komposisi
· Komisaris
p.15
unresolved
person
Organ Pendukung
· Komisaris
p.15
unresolved
org
Bank Victoria Berkelanjutan III Bank Victoria Tahap I
p.23
unresolved
org
Bank Victoria Tahap I Tahun
p.24 ×2
unresolved
org
Bank Victoria Continuous Subordinated
p.24 ×2
unresolved
org
Bank Victoria Continuous Bond I Phase
p.24
unresolved
org
Bank Victoria Tahap II Tahun
p.24 ×2
unresolved
org
Bank Victoria Continuous Subordination
p.24
unresolved
org
Bank Victoria Continuous Subordination Bonds II Phase II
p.24
unresolved
org
Bank Victoria Tahap III Tahun
p.24
unresolved
org
Bank Victoria Continuous Subordination Bonds II Phase III
p.24
unresolved
org
Bank Victoria Series A Continuing
p.24
unresolved
org
Bank Victoria Series B Continuing
p.24
unresolved
org
PT Pemeringkat Efek Indonesia
p.24 ×4
unresolved
org
Bank Victoria Kempinski
p.25
unresolved
org
Bank Victoria Continuing Bonds III Phase I Governance
p.25
unresolved
org
Bank Victoria’s Working Meeting
p.25
unresolved
org
Bank Award
p.26 ×4
unresolved
org
Bank Victoria Manado.
p.26 ×2
unresolved
org
PT Sulfindo Adiusaha
p.27 ×3
unresolved
org
Bank Victoria. Rp
p.27
unresolved
org
Bank Victoria Stakeholders.
p.27
unresolved
org
Bank Awards
p.30 ×2
unresolved
org
Bank Victoria Communication Award VIII
p.30
unresolved
org
Bank Victoria Bank Victoria’s
p.30
unresolved
org
Bank Victoria Majalah Economic Review
p.31
unresolved
org
Bank Aset Rp
p.31
unresolved
org
Bank Victoria Penerima
p.31
unresolved
org
Bank Victoria’s Strategy Implementasi Strategi Bank Victoria
p.36
unresolved
org
Bank Victoria. Pengawasan
p.36
unresolved
org
Bank Victoria. Hal
p.36 ×3
unresolved
org
Bank Victoria Penilaian
p.36
unresolved
org
Bank Victoria. Evaluasi
p.37
unresolved
org
Bank Victoria. This
p.37
unresolved
org
Bank Victoria. Namun
p.37
unresolved
person
Victoria
· Komisaris
p.38
unresolved
org
Bank Victoria. We
p.38
unresolved
org
Bank Victoria. Komposisi
p.40
unresolved
org
Bank Bank Victoria
p.40
unresolved
org
Bank Victoria. Semoga
p.40
unresolved
org
Bank Victoria. Let
p.42
unresolved
org
Bank Victoria Menghadapi
p.44
unresolved
org
Bank Victoria. Selain
p.46
unresolved
org
Bank Victoria Efektivitas
p.46
unresolved
org
Bank Victoria’s Commitment
p.47
unresolved
org
Bank Victoria. Bank Victoria
p.47
unresolved
org
Bank Victoria. Komposisi Direksi
p.49
unresolved
org
Bank Victoria. Selanjutnya
p.50
unresolved
org
Bank Victoria. Furthermore
p.50
unresolved
org
Bank Victoria. Kerja
p.50
unresolved
person
Deputy
· President Director
p.53 ×2
unresolved
person
Amrul Partomuan Pohan
p.56 ×2
unresolved
org
Menteri Keuangan Republik Indonesia
p.58
unresolved
org
PT Bank Swaguna
p.58 ×4
unresolved
org
PT Bank Victoria Syariah
p.58 ×6
unresolved
org
Bank Victoria’s Subsidiary
p.58
unresolved
org
Bank Indonesia
p.58 ×21
unresolved
org
Bank Devisa
p.59 ×2
unresolved
org
Departemen Perizinan dan Informasi Perbankan Otoritas Jasa Keuangan No. S-
p.59
unresolved
org
Bank Victoria Tahap I
p.59
unresolved
org
Bank Victoria No. S-
p.59
unresolved
org
Bank Persepsi.
p.59
unresolved
org
PT Nata Patindo.
p.59 ×3
unresolved
org
PT Victoria Alife Indonesia
p.59 ×5
unresolved
org
PT Prolestari Megapersada
p.59 ×2
unresolved
org
Investama Tbk
p.59
unresolved
org
PT Regis Pratama Indonesia
p.59 ×6
unresolved
org
PT Emperor Finance
p.59
unresolved
org
PT Victoria Sekuritas Indonesia
p.59 ×4
unresolved
org
PT Tridaya Investindo
p.59 ×3
unresolved
org
PT Emperor
p.59
unresolved
org
PT Victoria Investama Melakukan
p.59
unresolved
org
PT Emperor Finance Indonesia.
p.59 ×4
unresolved
org
PT Victoria Investama Digitized
p.59
unresolved
org
Bank Victoria’s Vision
p.60
unresolved
org
Bank Indonesia Certificates
p.63
unresolved
org
Bank Garansi TabunganKu
p.64
unresolved
org
Bank Devisa Other Services
p.64
unresolved
org
Bank Panin Senayan Lt. Dasar
p.68
unresolved
person
KH Fachrudin
p.69
unresolved
person
Credit Committee
· Direktur
p.70
unresolved
person
Nomination
· Komisaris
p.71
unresolved
person
Syahda Candra
· Member
p.71
unresolved
org
Bank Scale
p.72
unresolved
org
Bank Position Association Lembaga Penjamin Simpanan
p.72
unresolved
org
Indonesia Deposit Insurance Corporation
p.72 ×2
unresolved
org
PT Kustodian Sentral Efek Indonesia
p.72
unresolved
org
Bank Kewarganegaraan
p.73
unresolved
org
Bank Summa
p.73 ×2
unresolved
org
PT Sumberdaya Sewatama
p.73
unresolved
org
PT Sumberdaya Beliau
p.73
unresolved
org
PT Jakarta Setiabudi
p.74
unresolved
org
PT Jakarta Tempat Lahir Internasional Tbk
p.74
unresolved
org
Tempat Lahir Internasional Tbk
p.74
unresolved
org
Setiabudi Internasional Tbk
p.74
unresolved
org
PT Bank Bali
p.74 ×3
unresolved
org
PT Sampoerna Transport
p.74
unresolved
org
PT Sampoerna Transport Domisili
p.74
unresolved
org
PT Sigma Karya Sempurna
p.74
unresolved
org
PT Sigma Karya
p.74
unresolved
org
PT Central Proteina
p.75
unresolved
org
Proteina Prima Tbk
p.75
unresolved
org
Prima Tbk
p.75
unresolved
org
Bank Ekonomi Raharja Tbk
p.75 ×6
unresolved
org
Raharja Tbk
p.75
unresolved
org
Bank Agris Tbk
p.75 ×4
unresolved
org
PT Bank IBK Tempat Lahir
p.75
unresolved
org
Indonesia Tbk
p.75 ×2
unresolved
org
Bank Internasional Indonesia Tbk
· President Director
p.76 ×5
unresolved
org
PT Bank Namura
p.76
unresolved
org
PT Bank Namura Internusa
p.76
unresolved
org
Bank Rama Tbk
p.76 ×4
unresolved
org
PT Bank Tabungan
p.76
unresolved
org
Pensiun Nasional Tbk
p.76
unresolved
org
Tabungan Pensiun Nasional Tbk
p.76
unresolved
org
PT Bank Victoria Domicile
p.76
unresolved
person
Riwayat
· President Director
p.77 ×2
unresolved
org
Bank Lippo
p.78 ×3
unresolved
org
PT Elang Kurnia Sakti
p.78 ×2
unresolved
org
PT Agung Kimia Cemerlang
p.78 ×3
unresolved
org
PT Agung Kimia Cemerlang Place
p.78
unresolved
org
Mayer LLP
p.79 ×2
unresolved
org
Young LLP
p.79 ×2
unresolved
org
PT Victoria Investama Indonesia
p.79
unresolved
org
Kantor Akuntan Publik Drs. Santoso
p.80
unresolved
person
Drs. Santoso Banjarmasin
p.80
unresolved
org
PT Winduintan Deltatama
p.80
unresolved
org
PT Winduintan Deltatama Place
p.80
unresolved
org
Bank Andromeda
p.80 ×2
unresolved
org
Bank Alfa
p.80 ×2
unresolved
org
Penyehatan Perbankan Nasional
p.80
unresolved
org
Bank Restructuring
p.80
unresolved
org
PT Victoria Sekuritas
p.80
unresolved
org
PT Victoria Domisili
p.80
unresolved
org
PT Mahastra Capital
p.80 ×2
unresolved
org
Bank Victoria. Thus
p.81
unresolved
—
Yohanes
· Senior Executive Vice President of Operations & International Banking
p.83
unresolved
—
Mira Christiana
· Senior Executive Vice President of Business
p.83
unresolved
org
Departemen Credit Monitoring & Collection Bambang F. Triatmojo Vice Head of Credit Monitoring
p.83
unresolved
org
Departemen Anti Money Laundering
p.83
unresolved
—
4. Expert Sharing Session - Keuangan Berkelanjutan (oleh
p.84 ×5
unresolved
—
Institute);
p.84 ×14
unresolved
org
5. Governance, Risk, & Compliance (oleh Bank Victoria);
p.84
unresolved
org
6. HPE CIC Storage (oleh Hewlett Packard Enterprise);
p.84
unresolved
org
7. Outlook Banking Regulation: Tantangan Industri
p.84 ×8
unresolved
org
8. Philosophy that Flows in My Soul (oleh Bank Victoria);
p.84 ×6
unresolved
org
9. Anti Fraud Management for Leaders Batch 2 (oleh
p.84 ×4
unresolved
org
PT Kanatta Daya
p.84 ×6
unresolved
org
PT Kanatta Daya Indonesia
p.84 ×30
unresolved
—
10. Refreshment Pencegahan Tidak Pidana Pencucian
p.84 ×6
unresolved
—
Massal
p.84 ×7
unresolved
org
8 Tahun 2023 (oleh PT Andara Sarana).
p.84 ×7
unresolved
org
PT Andara Sarana
p.84 ×26
unresolved
org
4. Governance, Risk, and Compliance (oleh Bank Victoria);
p.84 ×4
unresolved
—
Pencegahan dan Pemberantasan Tindak Pidana
p.84 ×2
unresolved
—
Pencucian Uang dalam Penyelengaraan Pemilihan
p.84 ×2
unresolved
—
Pemilihan Kepala Daerah yang Berintegritas
p.84 ×2
unresolved
—
serta Akuntabel (oleh Forum Komunikasi
p.84 ×2
unresolved
person
Accountability
· Direktur
p.84 ×3
unresolved
—
7. Refreshment Tindak Pidana Pencucian Uang
p.84 ×2
unresolved
—
Pendanan Proliferasi Senjata Pemusnah Massal
p.84 ×2
unresolved
org
Tahun 2023 (oleh PT Andara Sarana);
p.84 ×3
unresolved
—
8. Sertifikasi Sistem Pembayaran dan Pengelolaan Uang
p.84 ×2
unresolved
—
(SPPUR) Transfer Dana Jenjang Eksekutif
p.84 ×2
unresolved
—
(oleh Lembaga Sertifikasi Profesi Perbankan);
p.84 ×2
unresolved
—
10. Team Building dan Outbond: Together We Growth
p.84 ×4
unresolved
org
3. Induction Training Program (oleh Bank Victoria).
p.85
unresolved
org
7. Outlook Industri Jasa Keuangan di Tahun 2023 (oleh
p.85
unresolved
org
10. Sosialisasi Kebijakan Risk Register (oleh Bank Victoria);
p.85 ×3
unresolved
—
11. Embracing the Digital Era: Exploring SWIFT Updates
p.85
unresolved
org
12. Anti Fraud Management for Leaders Batch 3
p.85 ×4
unresolved
org
PT Trimegah Head
p.85
unresolved
org
Sekuritas Indonesia Tbk
p.85
unresolved
—
2. Expert Sharing Outlook Banking Regulation (oleh
p.85 ×3
unresolved
—
5. Kode Etik, Peraturan Perizinan Wakil Perantara
p.85
unresolved
—
Analis, Obligasi, dan Sukuk (oleh Perkumpulan
p.85
unresolved
—
6. Market Insight (oleh Bank
p.85
unresolved
—
7. Team Building dan Outbond: Working Together in
p.85 ×2
unresolved
org
Harmony (oleh Bank Victoria);
p.85 ×2
unresolved
—
10. Program Pendidikan Lanjutan Wakil Perantara
p.85
unresolved
—
Pendanaan Proliferasi Senjata Pemusnah Massal
p.85
unresolved
—
12. Tren Perbankan di Tahun 2023 (oleh
p.85
unresolved
—
Hening);
p.86
unresolved
org
6. Governance, Risk, dan Compliance (oleh Bank Victoria);
p.86
unresolved
—
12. Sharing Session Kepala Operasional (oleh Bank
p.86
unresolved
org
13. ISO 27001 - Sistem Manajemen Keamanan
p.86
unresolved
—
(oleh Veda Praxis);
p.86
unresolved
org
Menteri Agraria
p.86 ×2
unresolved
org
Minister of Agrarian
p.86 ×2
unresolved
—
2023 tentang Penerbitan Dokumen Elektronik
p.86 ×2
unresolved
org
Mahkamah Agung
p.87
unresolved
—
Jawa Barat Ikatan Pejabat Pembuat Akta Tanah);
p.87 ×2
unresolved
—
9. Urgensi Perpanjangan Kebijakan Restrukturisasi Kredit
p.87
unresolved
org
11. Sharing Session Loan Admin (oleh Bank Victoria);
p.87
unresolved
—
12. Refreshment Credit SME Segmentation (oleh
p.87
unresolved
org
Bank Victoria Mendukung Penuh Pemerintah
p.88 ×3
unresolved
org
Bank Victoria Fully Supports
p.88 ×3
unresolved
org
Terorisme (APU dan PPT) (oleh PT Andara Sarana);
p.88
unresolved
—
50/POJK.03/2017 (oleh Risiko
p.88
unresolved
org
Manajemen Gagasan);
p.88
unresolved
org
Departemen Anti
p.89
unresolved
—
terkait Anti Pencucian Uang dan Pendanaan Terorisme
p.89
unresolved
—
(APU dan PPT) (oleh Equivalent Training Center).
p.89
unresolved
org
I Gusti Putu Sindara Sas-
p.89
unresolved
—
trawan
p.89
unresolved
—
KCU Bali
p.89
unresolved
org
Head of Bali Main Branch Office
p.89
unresolved
—
Amelia
p.89
unresolved
—
Rosita B. Rajaisun
p.89
unresolved
—
KCU Bogor
p.89
unresolved
org
Head of Bogor Main Branch Office
p.89
unresolved
—
Tjoe Dedy Himawan
p.89
unresolved
—
KCU Semarang
p.89
unresolved
org
Head of Semarang Main Branch
p.89
unresolved
org
Bank Lain Under Common Control
p.149
unresolved
org
PT Merak Energi Indonesia
p.149 ×2
unresolved
org
PT Tridaya
p.149
unresolved
—
Under Common Control
p.149 ×2
unresolved
org
PT BIP Tridaya Propertindo
p.149 ×2
unresolved
org
PT Jaya Bhakti Mandiri
p.149 ×2
unresolved
org
PT Cahaya Medika
p.149
unresolved
org
PT Cahaya Medika Health Care
p.149
unresolved
org
PT Victoria Insurance Indonesia
p.149
unresolved
org
PT Padi Unggul Indonesia
p.150 ×2
unresolved
org
PT Victoria Alife
p.150
unresolved
org
PT Victoria Manajemen Investasi
p.150 ×2
unresolved
org
PT BIP Loka Kencana
p.150 ×2
unresolved
org
PT BIP Sentosa
p.150 ×2
unresolved
org
PT Asri Kencana Gemilang
p.150 ×2
unresolved
org
PT Artoda Karya Gemilang
p.150 ×2
unresolved
org
PT Frogurt Sari Indonesia
p.150 ×2
unresolved
org
PT Grata Mulia Pratama
p.150 ×2
unresolved
org
PT Putra Asih Laksana
p.150 ×2
unresolved
org
PT Suryayudha Investindo Cipta
p.150 ×2
unresolved
org
GMT Investama Mandiri Tbk
p.150 ×4
unresolved
org
PT Dwimagna Kapital Indonesia
p.150 ×2
unresolved
org
PT Magna Investa Mandiri
p.150 ×2
unresolved
org
PT Bintang Jaya Bara Sentosa
p.150 ×2
unresolved
org
PT BIP Boga Entertainment
p.150 ×2
unresolved
org
PT Bumi Semesta Lestari
p.150 ×2
unresolved
org
PT Prolestari Mega Persada
p.150 ×2
unresolved
org
PT Surya Cakra Multi Sarana
p.150 ×2
unresolved
org
PT Verena Kapital
p.150 ×2
unresolved
org
Bank Garansi Under Common Control
p.150
unresolved
—
Keluarga dengan Suzanna Tanojo
p.150 ×8
unresolved
org
Bank Indonesia Regulation
p.151
unresolved
org
Bank The Strength
p.168 ×3
unresolved
org
Bank Committees
p.168
unresolved
person
Association. In
· Komisaris
p.170
unresolved
org
PT Adimitra Penunjukan Pihak Independen Jasa Korpora
p.171
unresolved
org
Kantor Akuntan Publik Purwantono
p.171
unresolved
person
Notary Fathiah Helmi
p.171 ×2
unresolved
—
Party at the Annual GMS
p.171
unresolved
org
PT Adimitra Jasa Korpora
p.171
unresolved
person
Pedoman
· Komisaris
p.173
unresolved
org
Bank Victoria’s Board
p.175
unresolved
person
Office Zaenal Abidin
· Member
p.175 ×23
unresolved
person
Annual GMS Resolution
· President Commissioner
p.175 ×3
unresolved
person
Extraordinary GMS Resolutions
· Commissioner
p.175
unresolved
—
2023 Annual and Sustainability
· PT Bank Victoria International Tbk
p.175
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