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ANNOUNCEMENT
SUMMARY OF MINUTES OF THE ANNUAL GENERAL MEETING OF SHAREHOLDERS
PT BANK SYARIAH INDONESIA (PERSERO) Tbk
In compliance with Article 49 paragraph (1) and Article 51 of Financial Services Authority Regulation
No.15/POJK.04/2020 concerning the Plan and Implementation of the General Meetings of Shareholders of Public
Companies (hereinafter referred to as “POJK 15/2020”), the Board of Directors of PT BANK SYARIAH INDONESIA
(Persero) Tbk (hereinafter referred to as “Company”) hereby informs the Shareholders that the Company has
convened its Annual General Meeting of Shareholders (hereinafter referred to as the “Meeting”), as follows:
A. Day/Date, Venue, Time, and Agenda of the Meeting
Day/Date : Tuesday/5 May 2026
Time : 15.40 – 18.06 WIB
Venue : Central Jakarta, through Electronic General Meeting System KSEI
facility (“eASY.KSEI”) in link https://akses.ksei.co.id/ provided by PT
Kustodian Sentral Efek Indonesia (“KSEI”).
Meeting Agenda : 1. Approval of the Company's Annual Report and Ratification of the
Company’s Financial Statements, as well as Approval of the Board
of Commissioner’s Supervisory Duties Report for Finacial Year
2025, including the Granting of Full Release and Discharge of
Responsibility (Volledig acquit et de charge) to the Board of
Directors for Management Actions and to the Board of
Commisioners for Supervisory Actions during Financial Year 2025.
2. Approval of the Use of the Company’s Net Profit for Financial Year
2025.
3. Determination of Salary/Honorarium including Facilities and
Allowances for Financial Year 2026, and Remuneration Based on
Performance for Financial Year 2025, for the Board of Directors,
the Board of Commissioners, and the Sharia Supervisory Board.
4. Appointment of a Public Accountant at a Public Accounting Firm to
Audit the Company’s Financial Statements for Financial Year 2026.
5. Delegation of Authority for the Approval of the Company's Long-
Term Plan (RJPP) 2026-2030, and the Company’s Work Plan and
Budget (RKAP) 2027, including any amendments thereto from the
General Meeting of Shareholders to the party designated by the
General Meeting of Shareholders.
6. Report on the Realization of the Use of Proceeds from the
Sustainable Public Offering of Sukuk Mudharabah Based on
Sustainable Development I Bank BSI Phase II 2025.
7. Amendments to the Company's Articles of Association.
8. Changes in the Composition of the Company’s Board of
Commissioners.
9. Affirmation of the Alignment of the Terms of Office of the Members
of the Board of Directors, the Board of Commissioners, and the
Sharia Supervisory Board with the Company’s Articles of
Association.
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B. Attendance of the Board of Directors, Board of Commissioners, and Sharia Supervisory Board:
BOARD OF DIRECTORS
President Director : Anggoro Eko Cahyo
Vice Pesident Director : Bob Tyasika Ananta
Director of Sales & Distribution : Anton Sukarna
Director of Finance & Strategy : Ade Cahyo Nugroho
Director of Wholesale Transaction Banking : Zaidan Novari
Director of Risk Management : Grandhis Helmi Harumansyah
Director of Retail Banking : Kemas Erwan Husainy
Director of Compliance & Human Capital : Arief Adhi Sanjaya
Director of Information Technology : Muharto Hadi Suprapto
Director of Treasury & International Banking : Firman Nugraha
BOARD OF COMMISSIONERS
President Commissioner : Muhadjir Effendy
Independent Commissioner : Felicitas Tallulembang
Commissioner : Mochamad Agus Rofiudin
Commissioner : Kamaruddin Amin
Independent Commissioner : Nizar Ahmad Saputra
Independent Commissioner : Addin Jauharudin
Independent Commissioner : Muhammad Syafii Antonio*
Commissioner : Meidy Ferdiansyah*
SHARIA SUPERVISORY BOARD
Chairman : Prof. Dr. K.H. Hasanudin, M.Ag
Member : Dr.K.H. Mohamad Hidayat, MBA, MH.
Member : Dr. H. Oni Sahroni, MA
Member : Prof. Dr. Jaih Mubarok, SE., M.H., M.Ag.
Member : Dr. KH. Abdul Ghofur Maimoen, M.A.
*) effective upon obtaining approval from the Financial Services Authority (OJK) following the fit and proper
test assessment.
C. Attendance of Shareholders
The Meeting was attended by shareholders representing 43,365,864,151 shares with valid voting rights,
constituting 94.0094509% of the total issued shares of the Company with valid voting rights, totaling
46,129,260,138 shares, consisting of 1 Series A Dwiwarna share and 46,129,260,137 Series B shares.
D. Opportunity to Raise Questions and/or Provide Opinions
For each agenda of the Meeting, the Chairman of the Meeting provided shareholders and/or their proxies
with the opportunity to raise questions and/or provide opinions, and the number of shareholders who
raised questions was determined by the Notary based on the verification and review of the relevance of
the questions and/or opinions to the relevant agenda of the Meeting, as follows:
- For the First Agenda of the Meeting, there were:
a. 1 (one) response from the holder of the Series A Dwiwarna Share, namely State-Owned
Enterprises Regulatory Agency, which was read by Mochamad Agus Rofiudin in his capacity
as Commissioner of the Company; and
b. 1 (one) question from a Shareholder through the eASY.KSEI system, which was answered by
Anggoro Eko Cahyo in his capacity as President Director of the Company;
- Meanwhile, for the Second, Third, Fourth, Fifth, Sixth, Seventh, Eighth and Ninth Agenda of the
Meeting, there were no questions from Shareholders either at the Meeting venue or through the
eASY.KSEI system.
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E. Mechanism for Adopting Resolutions at the Meeting
Resolutions at the Meeting were adopted by deliberation to reach consensus through a voting
mechanism. No resolution was adopted for the Sixth Agenda of the Meeting as it was reportorial in nature
only. The vote tabulation for the Meeting resolutions was conducted by PT Datindo Entrycom as the
Company’s Securities Administration Bureau and was validated by Titik Krisna Murti Wikaningsih
Hastuti, S.H., M.Kn., a Notary in the Administrative City of South Jakarta.
F. Resolutions are Adopted through Voting, Including Votes Cast through the eASY.KSEI System, and
Meeting Resolutions
First Agenda:
Agree Abstain Disagree Total Agree
43.164.932.209 votes or 155.799.042 votes or 45.132.900 votes or 43.320.731.251 votes or
99,5366587% of the total 0,3592665% of the 0,1040747% of the total 99,8959253% of the total
shares with valid voting total shares with valid shares with valid voting shares with valid voting
rights present at the voting rights present at rights present at the rights present at the
Meeting the Meeting Meeting Meeting
In accordance with the Company’s Articles of Association and POJK 15/2020, abstention votes were deemed
to have cast the same vote as the majority vote of the shareholders casting votes.
Resolution of the First Agenda:
1. Approved the Company’s Annual Report, including the Supervisory Duties Report of the Board of
Commissioners of the Company for Financial Year 2025 ended 31 December 2025.
2. Ratified the Company’s Financial Statements for Financial Year 2025 ended 31 December 2025, which had
been audited by Purwanto, Susanti & Surja Public Accounting Firm (a member firm of the Ernst & Young
Global Limited network) pursuant to Report No. 00021/2.1505/AU.1/07/0242-1/1/II/2026 dated 4 February
2026, with an unqualified opinion in all material respects.
3. Following the approval of the Company’s Annual Report, including the Supervisory Duties Report of the
Board of Commissioners, and the ratification of the Company’s Financial Statements, all for Financial Year
2025 ended 31 December 2025, the Meeting granted full release and discharge (volledig acquit et de
charge) to all members of the Board of Directors for their management actions and to all members of the
Board of Commissioners for their supervisory actions carried out during Financial Year 2025 ended 31
December 2025, insofar as such actions did not constitute criminal acts and were reflected in the
aforementioned reports.
Second Agenda:
Agree (termasuk satu Abstain Disagree Total Agree
saham seri A Dwiwarna)
42.435.092.619 votes or 155.798.821 votes or 774.972.711 votes or 42.590.891.440 votes
97,8536770% of the total 0,3592660% of the total 1,7870570% of the or 98,2129430% of the
shares with valid voting shares with valid voting total shares with valid total shares with valid
rights present at the rights present at the voting rights present at voting rights present at
Meeting Meeting the Meeting the Meeting
In accordance with the Company’s Articles of Association and POJK 15/2020, abstention votes were deemed
to have cast the same vote as the majority vote of the shareholders casting votes.
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Resolution of the Second Agenda:
Approved and resolved the appropriation of the Company’s Net Profit for the financial year 2025 amounting to
Rp7,567,523,029,940 (seven trillion five hundred sixty-seven billion five hundred twenty-three million twenty-nine
thousand nine hundred forty Rupiah), as follows:
1. An amount equal to 20% (twenty percent) or Rp1,513,504,605,988 (one trillion five hundred thirteen billion
five hundred four million six hundred five thousand nine hundred eighty-eight Rupiah), equivalent to
Rp32.810077 (thirty-two point eight one zero zero seven seven Rupiah) per share, shall be distributed as
Cash Dividend. The payment shall be carried out under the following terms and conditions:
a. The dividend for the financial year 2025 shall be distributed proportionally to shareholders whose
names are recorded in the Register of Shareholders on the recording date.
b. The Board of Directors is granted authority and power, with substitution rights, to undertake the following
actions:
1)Determine the schedule and procedures for dividend distribution relating to the payment of
dividends for the financial year 2025 in accordance with the prevailing laws and regulations.
2) Withhold dividend tax in accordance with the applicable tax regulations.
3) Carry out other related technical matters in accordance with the prevailing regulations.
2. The remaining 80% (eighty percent) or Rp6,054,018,423,952 (six trillion fifty-four billion eighteen million four
hundred twenty-three thousand nine hundred fifty-two Rupiah) shall be retained as retained earnings.
Third Agenda:
Agree Abstain Disagree Total Agree
(termasuk satu saham
seri A Dwiwarna)
42.468.119.297 votes or 155.823.342 votes or 741.921.512 votes or 42.623.942.639 votes
97,9298352% of the total 0,3593226% of the 1,7108422% of the total or 98,2891578 of the
shares with valid voting total shares with valid shares with valid voting total shares with valid
rights present at the voting rights present at rights present at the voting rights present at
Meeting the Meeting Meeting the Meeting
In accordance with the Company’s Articles of Association and POJK 15/2020, abstention votes were deemed
to have cast the same vote as the majority vote of the shareholders casting votes.
Resolution of the Third Agenda:
1. The holder of the Series A Dwiwarna Share or its proxy is authorized to determine the
salary/honorarium, including facilities and allowances, for the members of the Board of
Commissioners; and
2. The Board of Commissioners, subject to prior written approval from the holder of the Series A
Dwiwarna Share or its proxy, is authorized to determine the salary/honorarium, including facilities
and allowances, for the members of the Board of Directors and the members of the Sharia
Supervisory Board,
for the financial year 2026, as well as remuneration based on the performance for the financial year
2025, in accordance with the prevailing laws and regulations.
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Fourth Agenda:
Agree Abstain Disagree Total Agree
42.061.859.424 votes 155.800.321 votes or 1.148.204.406 votes or 42.217.659.745 votes
or 96,9930157% of the 0,3592695% of the 2,6477148% of the total or 97,3522852% of the
total shares with valid total shares with valid shares with valid voting total shares with valid
voting rights present at voting rights present at rights present at the voting rights present at
the Meeting the Meeting Meeting the Meeting
In accordance with the Company’s Articles of Association and POJK 15/2020, abstention votes were deemed
to have cast the same vote as the majority vote of the shareholders casting votes.
Resolution of the Fourth Agenda:
1. Approved the appointment of Public Accountant Christophorus Alvin Kossim and/or Purwanto Susanti &
Surja (a member firm of Ernst & Young Global Limited) to audit the Company’s Financial Statements and
other reports for the financial year 2026.
2. Approved the granting of authority to the Company’s Board of Commissioners, subject to prior written
approval from the holder of the Series A Dwiwarna Share or its proxy, to undertake the following
actions:
a. Appoint a Public Accountant from a Public Accounting Firm to conduct audits of the Company’s
Financial Statements for other periods in the financial year 2026 for the purposes and interests
of the Company; and
b. Determine the audit service fees and other terms and conditions for such Public Accountant
and/or Public Accounting Firm, as well as appoint a substitute Public Accountant from a
substitute Public Accounting Firm in the event that Purwanto Susanti & Surja (a member firm of
Ernst & Young Global Limited), for any reason whatsoever, is unable to complete the audit
services for the Company’s Financial Statements for the financial year 2026 and/or other periods
in the financial year 2026, including determining the audit service fees and other terms and
conditions for such substitute Public Accountant and substitute Public Accounting Firm.
Fifth Agenda:
Agree Abstain Disagree Total Agree
(termasuk satu saham
seri A Dwiwarna)
43.074.696.011 votes 155.800.321 votes or 135.367.819 votes or 43.230.496.332 votes
or 99,3285776% of the 0,3592695% of the 0,3121529% of the total or 99,6878471% of the
total shares with valid total shares with valid shares with valid voting total shares with valid
voting rights present at voting rights present at rights present at the voting rights present at
the Meeting the Meeting Meeting the Meeting
In accordance with the Company’s Articles of Association and POJK 15/2020, abstention votes were deemed
to have cast the same vote as the majority vote of the shareholders casting votes.
Resolution of the Fifth Agenda:
Approved the granting of authority and power to the Company’s Board of Commissioners, subject to prior written
approval from the holder of the Series A Dwiwarna Share or its proxy, to approve the Company’s Long-Term
Corporate Plan (RJPP) for 2026–2030 and the Company’s Annual Work Plan and Budget (RKAP) for 2027,
including any amendments thereto. The approval of the Company’s RJPP for 2026–2030 and RKAP for 2027,
including any amendments, shall be carried out in accordance with good corporate governance principles and
the prevailing laws and regulations, taking into account the principles of fairness and information disclosure, and
shall be synchronized with Government policies.
Sixth Agenda:
This agenda was presented for reporting purposes only and did not require approval from the Meeting. Therefore,
the Company did not conduct any voting for the adoption of resolutions in relation to this Meeting agenda.
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Seventh Agenda:
Agree Abstain Disagree Total Agree
(termasuk satu saham
seri A Dwiwarna)
43.209.959.830 votes 155.868.521 votes or 35.800 votes or 43.365.828.351 votes
or 99,6404907% of the 0,3594268% of the 0,0000826% of the total or 99,9999174% of the
total shares with valid total shares with valid shares with valid voting total shares with valid
voting rights present at voting rights present at rights present at the voting rights present at
the Meeting the Meeting Meeting the Meeting
In accordance with the Company’s Articles of Association and POJK 15/2020, abstention votes were deemed
to have cast the same vote as the majority vote of the shareholders casting votes.
Resolution of the Seventh Agenda:
1. Approved the amendments to the Company’s Articles of Association, namely:
a. The amendment to Article 3 paragraph (2) concerning the bank’s business activities; and
b. The amendments to Article 13 paragraph (2), Article 16 paragraph (3), and Article 19 paragraph (4)
concerning the minimum frequency of meetings of the Sharia Supervisory Board with the majority of
the members of the Board of Directors and/or the majority of the members of the Board of
Commissioners.
2. Approved the restatement of all provisions of the Company’s Articles of Association in a complete
codification in connection with the amendments referred to in point 1 of the above resolution, the full
text of which is attached to the minutes deed of the notarial act.
3. Granted authority and power to the Board of Directors of the Company, with substitution rights, to
undertake all necessary actions related to the resolution of this Meeting agenda item, including to
prepare and restate the entire Articles of Association of the Company in a Notarial Deed, and to
authorize, with substitution rights, the submission thereof to the relevant authorities in order to obtain
approval and/or acknowledgement of receipt of notification of the amendments to the Company’s
Articles of Association, as well as to perform all actions deemed necessary and useful for such
purposes without any exception, including making additions and/or amendments to the amendments
of the Company’s Articles of Association if required by the competent authorities.
Eighth Agenda:
Agree Abstain Disagree Total Agree
(termasuk satu saham
seri A Dwiwarna)
41.687.735.384 votes or 155.868.521 votes or 1.522.260.246 votes or 41.843.603.905 votes
96,1303002% of the total 0,3594268% of the 3,5102731% of the total or 96,4897269% of the
shares with valid voting total shares with valid shares with valid voting total shares with valid
rights present at the voting rights present at rights present at the voting rights present at
Meeting the Meeting Meeting the Meeting
In accordance with the Company’s Articles of Association and POJK 15/2020, abstention votes were deemed
to have cast the same vote as the majority vote of the shareholders casting votes.
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Resolution of the Eighth Agenda:
1. Honorably dismissed the following persons from their positions as members of the Company’s
Management:
a. Commissioner : Meidy Ferdiansyah;
b. Independent Commissioner : Muhammad Syafii Antonio
each of whom was appointed based on the Annual General Meeting of Shareholders for Financial Year
2024 held on 16 May 2025, effective as of the closing of this Meeting, with appreciation for their
contributions, dedication, and services rendered during their tenure as members of the Company’s
Management.
2. Appointed the following persons as members of the Company’s Management.
a. Commissioner : Sigit Pramono;
b. Independent Commissioner : Muhammad Cholil Nafis
3. The term of office of the members of the Board of Commissioners appointed as referred to in point 2 shall
be in accordance with the provisions of the Company’s Articles of Association, with due observance of the
prevailing laws and regulations in the Capital Market sector, without prejudice to the right of the Meeting to
dismiss them at any time.
4. With the dismissal and appointment of members of the Board of Commissioners as referred to in points 1
and 2 above, the composition of the Company’s Management shall become as follows:
BOARD OF DIRECTORS
President Director : Anggoro Eko Cahyo
Vice Pesident Director : Bob Tyasika Ananta
Director of Compliance & Human Capital : Arief Adhi Sanjaya
Director of Treasury & International Banking : Firman Nugraha
Director of Risk Management : Grandhis Helmi Harumansyah
Director of Retail Banking : Kemas Erwan Husainy
Director of Information Technology : Muharto Hadi Suprapto
Director of Finance & Strategy : Ade Cahyo Nugroho
Director of Wholesale Transaction Banking : Zaidan Novari
Director of Sales & Distribution : Anton Sukarna
BOARD OF COMMISSIONERS
President Commissioner : Muhadjir Effendy
Independent Commissioner : Felicitas Tallulembang
Commissioner : Kamaruddin Amin
Commissioner : Sigit Pramono
Commissioner : Mochamad Agus Rofiudin
Independent Commissioner : Muhammad Cholil Nafis
Independent Commissioner : Addin Jauharudin
Independent Commissioner : Nizar Ahmad Saputra
5. Requested the Board of Directors to submit a written application to the Financial Services Authority (OJK)
for the implementation of the Fit and Proper Test for the members of the Board of Commissioners appointed
as referred to in point 2, in compliance with the prevailing regulations.
6. Members of the Board of Commissioners appointed as referred to in point 2 who still hold other positions
prohibited by laws and regulations from being concurrently held with the position of member of the Board of
Commissioners of a State-Owned Enterprise shall resign from or be dismissed from such positions.
7. Granted authority with the right of substitution to the Board of Directors of the Company to state the
resolutions adopted by this GMS in a Notarial Deed, to appear before a Notary or authorized official, and to
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make any necessary adjustments or amendments if required by the competent authorities for the
implementation of the resolutions of the Meeting.
Ninth Agenda:
Agree Abstain Disagree Total Agree
(termasuk satu saham
seri A Dwiwarna)
43.162.897.870 votes 155.870.321 votes or 47.095.960 votes or 43.318.768.191 votes
or 99,5319676% of the 0,3594309% of the 0,1086015% of the total or 99,8913985% of the
total shares with valid total shares with valid shares with valid voting total shares with valid
voting rights present at voting rights present at rights present at the voting rights present at
the Meeting the Meeting Meeting the Meeting
In accordance with the Company’s Articles of Association and POJK 15/2020, abstention votes were deemed
to have cast the same vote as the majority vote of the shareholders casting votes.
Resolution of the Ninth Agenda:
1. Approved the adjustment of the term of office of the members of the Board of Directors, Board of
Commissioners, and Sharia Supervisory Board of the Company to become effective until the closing
of the 5th (fifth) Annual General Meeting of Shareholders following their respective dates of
appointment.
2. Approved the reaffirmation of the term of office of each member of the Board of Directors, Board of
Commissioners, and Sharia Supervisory Board of the Company in a complete codification in
connection with the amendment referred to in point 1 (one) above.
3. Granted authority and power to the Board of Directors of the Company, with the right of substitution,
to take all necessary actions relating to the resolution of this Meeting agenda, including submitting
the same to the relevant authorities in accordance with the prevailing laws and regulations, and taking
any actions deemed necessary and useful for such purposes, without exception.
G. Schedule and Procedures for the Distribution of Cash Dividends for Financial Year 2025
Further to the resolution of the second agenda of the meeting as referred to above, concerning the
payment of cash dividends amounting to Rp1,513,504,605,988.00 (one trillion five hundred thirteen
billion five hundred four million six hundred five thousand nine hundred eighty-eight Rupiah) or
Rp32.810077 (thirty-two point eight one zero zero seven seven Rupiah) per share to be distributed to
the Company’s Shareholders, the schedule and procedures for the distribution of cash dividends for
financial year 2025 are hereby announced as follows:
Schedule for Cash Dividend Distribution
No. Description Date
1. End of Trading Period for Shares with Dividend Rights (Cum Dividend)
- - Regular and Negotiated Markets 13 May 2026
- - Cash Market 19 May 2026
2. Beginning of Trading Period for Shares without Dividend Rights (Ex
Dividend)
- Regular and Negotiated Markets 18 May 2026
- Cash Market 20 May 2026
3. Date of Shareholders Entitled to Dividend (Recording Date) 19 May 2026
4. Cash Dividend Payment Date 5 June 2026
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Procedures for the Distribution of Cash Dividends
1. The Cash Dividend shall be distributed to the shareholders of the Company whose names are
recorded in the Register of Shareholders (“DPS”) or on the recording date of 19 May 2026 and/or the
holders of the Company’s shares in securities accounts at PT Kustodian Sentral Efek Indonesia
(“KSEI”) as at the closing of trading on the Indonesia Stock Exchange on 19 May 2026.
2. For shareholders whose shares are registered in KSEI’s Collective Custody, dividend payments in
accordance with the above schedule shall be made through book-entry transfer via KSEI, and KSEI
shall subsequently distribute the dividends to the Customer Fund Accounts (“CFA”) maintained with
the Securities Companies or Custodian Banks where the shareholders opened their securities
accounts. Meanwhile, for shareholders of the Company whose shares are not registered in KSEI’s
Collective Custody, the cash dividend shall be transferred directly to the respective shareholders’
bank accounts.
3. The Cash Dividend shall be subject to tax in accordance with the prevailing tax laws and regulations.
4. Pursuant to the prevailing tax laws and regulations, the cash dividend shall be excluded from the tax
object if received by domestic corporate taxpayer shareholders (“Domestic Corporate Taxpayers”),
and the Company shall not withhold Income Tax on the cash dividend paid to such Domestic
Corporate Taxpayers. Cash dividends received by domestic individual taxpayer shareholders
(“Domestic Individual Taxpayers”) shall be excluded from the tax object provided that such dividends
are invested within the territory of the Republic of Indonesia. For Domestic Individual Taxpayers who
do not fulfill the investment requirements referred to above, the dividends received shall be subject
to Income Tax (“PPh”) in accordance with the prevailing laws and regulations, and such Income Tax
must be paid personally by the relevant Domestic Individual Taxpayer in accordance with
Government Regulation No. 9 of 2021 concerning Tax Treatment to Support Ease of Doing Business.
5. Shareholders of the Company may obtain confirmation of dividend payment through the securities
company and/or custodian bank where the shareholders maintain their securities accounts.
Furthermore, the shareholders of the Company shall be fully responsible for reporting the receipt of
such dividends in their respective tax reporting for the relevant fiscal year in accordance with the
prevailing tax laws and regulations.
6. Shareholders of the Company who are Foreign Taxpayers whose tax withholding will utilize the tariff
based on a Double Tax Avoidance Agreement (“P3B”) are required to comply with the requirements
under Director General of Taxes Regulation No. PER-25/PJ/2018 concerning Procedures for the
Implementation of Double Tax Avoidance Agreements and submit the proof of receipt record or DGT
receipt/Domicile Certificate that has been uploaded to the Directorate General of Taxes website to
KSEI or the Company’s Share Registrar, PT Datindo Entrycom, within the submission deadline in
accordance with KSEI regulations. In the absence of such documents, the cash dividends paid shall
be subject to Article 26 Income Tax at a rate of 20%.
Jakarta, 7 May 2026
PT BANK SYARIAH INDONESIA (PERSERO) Tbk
BOARD OF DIRECTORS
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Appendix
Agenda Shareholders/Number of
Question/Opinion
Shares
1 The State-Owned In order to improve the Company’s performance and the effectiveness of
Enterprises Regulatory the supervision of PT Bank Syariah Indonesia (Persero) Tbk (“BSI”), we
Agency of the Republic of hereby convey the following matters:
Indonesia as the holder of 1. BSI’s performance achievements in 2025 were the result of the hard
the Series A Dwiwarna work of the Board of Directors, the Board of Commissioners, and all
Share. levels of BSI management. We observed many positive achievements
during 2025, including Net Profit, Financing Distribution, Third-Party
Funds, and well-maintained Cost of Fund, accompanied by the
strengthening of the Islamic banking business and improvement in
service quality throughout 2025. However, we also noted several
weakening indicators due to increased expenses, including the
increase in the Cost to Income Ratio (CIR) and Operating Expenses to
Operating Income Ratio (BOPO), which significantly pressured the
optimization of profit achievement in 2025. In this regard, management
is expected to strengthen financing risk management and improve cost
efficiency so that BSI’s performance in the coming periods can be
realized more effectively.
2. Amid ongoing global dynamics, including developments in the financial
and trade sectors that may impact BSI’s business, we request the
Board of Directors, under the supervision of the Board of
Commissioners, to:
a. Conduct optimal identification and mitigation of risks affecting BSI’s
business and performance achievements.
b. Assess and anticipate both direct and indirect impacts arising from
such global dynamics in the short term as well as potential long-
term effects that may influence global economic policies and
conditions, which directly or indirectly affect BSI’s business and
performance achievements.
c. In implementing work programs, the Board of Directors and
management should consistently pay attention to and prioritize
considerations relating to strengthening BSI’s financial soundness,
prudential principles in financing risk management, and good
corporate governance principles.
d. The Board of Directors is requested to continuously improve
competitiveness and performance, including through:
1) Increasing operational productivity to generate higher
revenue in accordance with the Company’s revenue streams
(core business).
2) Improving the quality of each product and/or service provided
by the Company in order to enhance the competitiveness of
products/services in domestic and/or international markets
3) Improving efficiency through cost structure optimization,
thereby enhancing the Company’s overall performance, as
reflected among others in increased profit margins and
profitability ratios relative to the Company’s assets.
4) Improving the quality of public services and the
implementation of assignments more efficiently, insofar as the
Company carries out public service obligations.
3. The Board of Directors, under the supervision of the Board of
Commissioners, is requested to follow up on all findings and
recommendations from both internal and external auditors so that such
findings do not recur in future periods, and to ensure continuous
improvement of the internal control system and corporate governance.
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Appendix
Agenda Shareholders/Number of Question/Opinion
Shares
1 Hanan Djati Dwinugroho Question:
Does the Company already have a clear corporate action roadmap to
increase free float?
Answer:
Management views the policy of increasing the minimum free float
requirement by the Indonesia Stock Exchange as a positive step toward
deepening market liquidity and improving market quality.
Currently, BSI’s free float position remains at approximately 9%. Going
forward, we will continue to evaluate various strategic options to improve
share liquidity, while taking into consideration market conditions, valuation,
and the interests of all shareholders.
The implementation of such options will be highly dependent on the
direction and approval of the shareholders, while continuing to comply with
the prevailing laws and regulations.
2
Names mentioned 34 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Financial Services Authority
p.1 ×3
unresolved
org
PT Kustodian Sentral Efek Indonesia
p.1 ×3
unresolved
org
Bank BSI Phase II
p.1
unresolved
person
Prof. Dr. K.H. Hasanudin
p.2
unresolved
person
Dr.K.H. Mohamad Hidayat
p.2 ×2
unresolved
person
MBA
p.2
unresolved
person
Dr. H. Oni Sahroni
p.2
unresolved
person
Prof. Dr. Jaih Mubarok
p.2 ×2
unresolved
person
Dr. KH. Abdul Ghofur Maimoen
p.2
unresolved
org
PT Datindo Entrycom
p.3 ×2
unresolved
person
Titik Krisna Murti Wikaningsih Hastuti
· Notaris
p.3 ×2
unresolved
org
Young Global Limited
p.3 ×3
unresolved
person
Muhammad Cholil Nafis
· Commissioner
p.7 ×3
unresolved
org
Indonesia Stock Exchange
p.9 ×2
unresolved
org
Directorate General of Taxes
p.9
Extraction attempts how the parser did, and what it refused
Nothing structured was extracted from this document — the attempts below say why.
Rule parser
Needs review
confidence 0.000
1102 ms
12 Sep 2026 22:28
no RUPS minutes content - likely misclassified