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Page 1
EXPANDING
CAPABILITIES
CAPTURING
OPPORTUNITIES
2023
ANNUAL REPORT
Page 2
Page 3
EXPANDING CAPABILITIES
CAPTURING OPPORTUNITIES
Di tengah ketidakpastian yang masih membayangi
perekonomian Nasional, Perseroan berhasil
mencatatkan pertumbuhan yang baik dalam kurun
waktu tahun 2023. Pertumbuhan ini nampak pada
pertumbuhan kegiatan intermediasi keuangan, baik
pada sisi penyaluran kredit, maupun pada sisi Dana
Pihak Ketiga (DPK). Disamping itu, pengembangan
basis merchant QR Code Indonesian Standard
(QRIS) juga semakin luas dengan volume transaksi
yang semakin meningkat.
Amid the uncertainty that remain overshadowing the
national economy, the Company successfully recorded
good growth over the course of 2023. This growth is
evident in the expansion of financial intermediation
activities, both in terms of loan disbursement and
Third-Party Funds (TPF). Additionally, the development
of the merchant base for the Indonesian Standard QR
Code (QRIS) has also expanded, with an increasing
volume of transactions.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 1
Page 4
STRATEGI 2023
2023 Strategies
1
Mewujudkan berbagai inisiatif produk dan layanan berbasis digital melalui pengembangan aplikasi
super (superapp) yang dapat dikembangkan secara agile sesuai dengan perkembangan kebutuhan
Nasabah dari waktu ke waktu, dan yang mampu membuka peluang kerja sama sinergis dengan
berbagai mitra strategis Bank termasuk di antaranya perusahaan rintisan (startup companies).
Envisioning various initiatives of digital-based products and services through an agile superapp
development in line with the Customer needs over the course of times. This was aimed at opening
synergic collaboration with our various strategic partners including start-up companies.
2 3
Menghimpun Dana Pihak Ketiga –
Segmen Mid Income Affluent dan Retail
Menghimpun Dana Pihak Ketiga Segmen
yang berkualitas dan sustainable melalui
Corporate yang berkualitas melalui
penyediaan akses yang luas yang disertai
penyediaan layanan perbankan yang
berbagai keuntungan dan manfaat yang
sesuai dengan kebutuhan Nasabah
kompetitif.
Corporate.
Acquiring Third Party Funds from qualified
Acquiring Third Party Funds from qualified
and sustainable Mid Income Affluent
Corporate Segment through banking
and Retail Segments through extensive
services that catered to their needs.
accessibility with various benefits and
competitive facilities.
4 5
Menyalurkan Kredit pada Segmen Usaha
Menyalurkan kredit Konsumer secara
Kecil & Menengah (UKM) secara prudent,
optimal melalui intensifikasi dan
pada sektor-sektor ekonomi yang menjadi
ekstensifikasi kerja sama dengan
kompetensi utama Bank, dengan tetap
berbagai mitra pengembang strategis.
memanfaatkan peluang pada segmen
komersial secara selektif. Optimum disbursement of Consumer and
Micro loans through intensification and
Prudent loans disbursement for Small
extensification of collaboration with our
Medium Enterprises (SMEs) at the economic
various strategic partners.
sectors of the Bank’s main competencies,
while remain taking the opportunities in the
commercial segment selectively.
6
Mengembangkan berbagai potensi fee based income dari layanan bank dan produk-produk
keuangan lainnya melalui kerja sama dengan mitra Manajer Investasi dan perusahaan asuransi
terkemuka.
Developing various fee-based income potentials from banking services and other financial products
through collaboration with Investment Manager and prominent insurance companies.
2 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 5
7
Melanjutkan langkah efisiensi biaya secara konsisten dengan memperkuat fungsi financial control
dalam memonitor akuntabilitas dari setiap biaya yang dikeluarkan.
Continuing consistent cost efficiency by strengthening financial control function in monitoring
accountability of every expenditure
8 9
Memperkuat dukungan Teknologi Melanjutkan transformasi fungsi jaringan
Informasi yang andal yang mampu distribusi kantor agar semakin efisien
mendukung seluruh rencana strategis namun tetap produktif di tengah kemajuan
Bank. perbankan digital.
Strengthening reliable Information Continuing the transformation of the
Technology to foster the Bank’s strategic function of the office distribution network
plans. to make it more efficient but still productive
amidst advances in digital banking.
10 11
Meningkatkan kapasitas dan kualitas Meningkatkan kualitas pengelolaan risiko,
sumber daya manusia yang profesional kualitas pengendalian internal dan kualitas
dan berintegritas, terutama yang pelaksanaan tata kelola usaha yang baik,
mengarah pengembangan talenta di yang tetap adaptif dengan perkembangan
bidang teknologi digital. perbankan digital dewasa ini.
Improving the capacity and quality of Enhancing quality of risk management,
professional human resources with integrity, internal control, and good corporate
particularly on the talent development in the governance, which remain adaptive with the
digital technology areas. current banking progresses.
12
Melanjutkan implementasi Business Continuity Planning secara disiplin untuk memastikan
keberlanjutan usaha Bank termasuk di dalamnya menerapkan protokol kesehatan yang memadai
sesuai ketentuan pihak berwenang.
Sustaining the disciplined implementation of Business Continuity Planning to ensure our business
sustainability including to implement adequate health protocol that adhere to the regulatory.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 3
Page 6
DAFTAR ISI
Table of Contents
Tema Pejabat Eksekutif
1 87
Theme Executive Officers
Strategi 2023 Jumlah Karyawan
2 90
2023 Strategies Number of Employees
IKHTISAR UTAMA Komposisi Pemegang Saham
91
HIGHLIGHTS Shareholders Composition
Ikhtisar Utama Struktur Kelompok Perusahaan
8 92
Highlights Corporate Group Structure
Ikhtisar Keuangan Kronologis Pencatatan Saham
10 93
Financial Highlights Chronology of Stock Listing
Ikhtisar Saham Jasa Akuntan Publik (AP) dan Kantor Akuntan
12
Stock Highlights Publik (KAP) 93
Public Accountant & Public Accountant Firm
Aksi Koporasi Perseroan
16
Corporate Action of the Company Lembaga & Profesi Penunjang Pasar Modal
Capital Market Supporting Institutions & 93
Peristiwa Penting Perseroan 2023
19 Professionals
Important Events Highlights 2023
Penghargaan dan Sertifikat
LAPORAN MANAJEMEN 94
Accolades and Certificate
MANAGEMENT REPORTS
ANALISA & PEMBAHASAN MANAJEMEN
Laporan Direksi
24 MANAGEMENT DISCUSSION & ANALYSIS
Report from the Board of Directors
Tinjauan Ekonomi dan Industri
Laporan Dewan Komisaris 98
32 Economic and Industry Overview
Report From The Board of Commissioners
Prospek Usaha Perseroan
Surat Pernyataan Anggota Dewan Komisaris dan 102
The Company’s Business Prospects
Direksi Tentang Tanggung Jawab atas Laporan
Tahunan 2023 PT Bank Nationalnobu Tbk Aspek Pemasaran
104
Statement of Members of the Board of 41 Marketing Aspect
Commissioners and Board of Directors on the
Tinjauan Operasional Per Segmen Usaha
Responsibility of the 2023 Annual Report of PT Bank 107
Operational Review Per Business Segment
Nationalnobu Tbk
Penghimpunan Dana Pihak Ketiga
PROFIL PERUSAHAAN 107
Third-Party Funds Acquisition
COMPANY PROFILE
Pengembangan Layanan Digital
Identitas Perusahaan 109
44 Digital Service Development
Company Identity
Penyaluran Kredit
Keanggotaan Asosiasi 112
45 Loan Distribution
Association Membership
Pengelolaan Treasury
Sekilas Perseroan 115
46 Treasury Management
The Company at a Glance
Kinerja Keuangan
Jejak Langkah 118
50 Financial Performance Review
Milestones
Teknologi Informasi
Visi, Misi & Nilai-Nilai Perusahaan & 128
Information Technology
Budaya Perusahaan 52
Vision, Mission, Values & Corporate Culture Strategi Teknologi Informasi
130
Information Technology Strategy
Kegiatan Usaha Berdasarkan Anggaran Dasar
Terakhir TATA KELOLA PERUSAHAAN YANG BAIK
54
Business Activities Based on the Latest Articles of GOOD CORPORATE GOVERNANCE
Association
Laporan Pelaksanaan Tata Kelola Perusahaan
Jaringan Distribusi 138
60 Corporate Governance Implementation Report
Distribution Network
Rapat Umum Pemegang Saham
Struktur Organisasi 147
68 General Meeting of Shareholders
Organizational Structure
Dewan Komisaris
Profil Dewan Komisaris 175
70 Board of Commissioners
Board of Commissioners Profiles
Penilaian Kinerja Dewan Komisaris & Direksi
Profil Direksi Performance Assessment of the Board of 186
76
Board of Directors Profiles Commissioners & Board of Directors
Profil Anggota Komite
83
Committee Members Profiles
4 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 7
Kebijakan & Prosedur Remunerasi Buy Back Shares dan Obligasi Perseroan
256
Dewan Komisaris & Direksi Buy Back of the Company Shares and Bonds
188
Remuneration Policy & Procedures of the
Board of Commissioners & Board of Directors Rencana Strategis Perusahaan
257
Company Strategic Plan
Kepemilikan Saham Direksi & Dewan Komisaris
Shareholding of the Board of Directors and 192 Aspek Pemegang Saham
261
Commissioners Shareholder Aspects
Organ Penunjang Dewan Komisaris Program Kepemilikan Saham
193 261
Board of Commissioners Supporting Organs Shares Option
Komite Audit Transaksi yang Mengandung Benturan Kepentingan
194 262
Audit Committee Transactions Containing Conflict of Interests
Komite Pemantau Risiko Penyediaan Dana Kepada Pihak Terkait &
200 Penyediaan Dana Besar 262
Risk Monitoring Committee
Runding to Related Parties qnd Large Exposure
Komite Remunerasi Dan Nominasi
205 Batas Maksimum Pemberian Kredit
Remuneration and Nomination Committee 263
Legal Lending Limit
Direksi
209 Pemberian Dana Untuk Kegiatan Politik Dan Sosial
Board of Directors 264
Funding for Political and Social Activities
Komite Eksekutif
220
Executive Committees Penerapan Pedoman Tata Kelola Perusahaan Terbuka
GCG Guidelines Implementation for Public 265
Komite Aset & Liabilitas (ALCO)
220 Companies
Asset & Liabilities Committee (ALCO)
Manajemen Risiko
Komite Kredit 268
222 Risk Management
Credit Committee
TANGGUNG JAWAB SOSIAL
Komite Manajemen Risiko Dan Kebijakan
SOSIAL RESPONSIBILITY
Perkreditan 223
Risk Management and Credit Policy Committee Ikhtisar Kinerja Keberlanjutan
298
Sustainability Performance Overview
Komite Pengarah Teknologi Informasi
225
Information Technology Steering Committee Kerangka dan Strategi Keberlanjutan
302
Sustainability Framework and Strategy
Komite Produk & Aktivitas Bank
228
The Bank’s Product and Activity Committee Tata Kelola Keberlanjutan
314
Sustainability Governance
Sekretaris Perusahaan
229
Corporate Secretary Kinerja Ekonomi
323
Economic Performance
Fungsi Kepatuhan
232
Compliance Function Kinerja Aspek Lingkungan
331
Environmental Performance
Fungsi Audit Internal
235
Internal Audit Function Pengembangan dan Pemberdayaan
Masyarakat 340
Penerapan Manajemen Risiko dan Sistem
Community Development and Empowerment
Pengendalian Intern
238
Implementation of Risk Management and Internal Pengelolaan Sumber Daya Manusia
344
Control Systems Human Resources Management
Fungsi Audit Eksternal Tanggung Jawab Terhadap Produk, Layanan dan
240
External Audit Function Nasabah
357
Responsibility Toward Products, Services and
Perkara Hukum
242 Customers
Litigation
Tentang Laporan Keberlanjutan
Sanksi Administratif 363
250 About Sustainability Report
Administrative Sanction
Daftar Indeks SEOJK16/2021
Kode Etik dan Tanggung Jawab Profesional 372
252 SEOJK Index List 16/2021
Code of Ethics and Professional Responsibilities
Daftar Indeks POJK 51/2017
Sistem Pelaporan Pelangggaran 405
253 POJK 51/2017 Index
Whistleblowing System
Indeks GRI Standard - 2021
Kebijakan Anti Penyuapan (Anti Korupsi) 408
255 GRI Standards Index - 2021
Anti-Bribery (Anti-Corruption) Policy
Lembar Umpan Balik
Transparansi Kondisi Keuangan Dan Non Keuangan 415
Feedback Form
Perseroan
256 LAPORAN KEUANGAN
Transparency of the Company’s Financial and Non-
Financial Conditions FINANCIAL STATEMENTS
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 5
Page 8
6 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 9
IKHTISAR
UTAMA
HIGHLIGHTS
Perseroan mampu
mencatatkan pertumbuhan
penyaluran kredit sebesar
22,79% (yoy). Selain segmen
consumer, pertumbuhan
kredit juga ditopang oleh
pertumbuhan Kredit
Mikro dan Kredit UKM.
Pertumbuhan ini tetap disertai
kualitas kredit yang baik yang
tampak pada tingkat Non
Performing Loan (NPL) yang
tetap terjaga rendah
di bawah 1%.
The Company was able to record loan
growth of 22.79% (yoy). Apart from the
Consumer segment, loan growth was also
supported by growth in Micro and SME
Loan. This growth is still accompanied
by good loan quality which can be seen in
the Non-Performing Loan (NPL) level which
is maintained at a low level of below 1%.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 7
Page 10
IKHTISAR UTAMA
Highlights
IKHTISAR UTAMA
Highlights
Pertumbuhan Aset
Assets Growth 20,37% Pertumbuhan Dana Pihak Ketiga
Third Party Fund Growth 18,43%
Meskipun perekonomian nasional belum pulih Meskipun perekonomian nasional belum pulih
sepenuhnya di sepanjang tahun 2023, Perseroan sepenuhnya di sepanjang tahun 2023, Perseroan
mampu mencatatkan pertumbuhan aset yang baik mampu mencatatkan pertumbuhan aset yang baik
sebesar 20,37% (yoy). sebesar 18,43% (yoy).
Even though the national economy has not fully Tight market competition throughout 2023 did not
recovered throughout 2023, the Company was able prevent the Company from recording a quite good
to record superb asset growth of 20.37% (yoy). growth in Third Party Funds (DPK), namely 18.43%.
With the composition of third-party funds maintained,
the Company can manage cost of fund more
optimally.
Pertumbuhan Penyaluran Kredit | Loan Growth 22,79%
Memanfaatkan momentum pertumbuhan industri properti di tahun 2023, Perseroan mampu mencatatkan
pertumbuhan penyaluran kredit sebesar 22,79% (yoy). Selain segmen consumer, pertumbuhan kredit juga ditopang
oleh pertumbuhan Kredit Mikro dan Kredit UKM. Pertumbuhan ini tetap disertai kualitas kredit yang baik yang tampak
pada tingkat Non Performing Loan (NPL) yang tetap terjaga rendah di bawah 1%.
Taking advantage of the growth momentum of the property industry in 2023, the Company was able to record loan
growth of 22.79% (yoy). Apart from the Consumer segment, loan growth was also supported by growth in Micro and
SME Loan. This growth is still accompanied by good loan quality which can be seen in the Non-Performing Loan (NPL)
level which is maintained at a low level of below 1%.
Pertumbuhan Ekuitas
Equity Growth 78,14% Pertumbuhan Laba Bersih
Net Income Growth 36,30%
Sebagai bentuk komitmen Pemegang Saham Pemanfaatan potensi pasar dan implementasi
Perseroan dalam memperkuat struktur permodalan, strategi yang tepat telah mengantarkan Perseroan
maka di tahun 2023 Perseroan dapat menyelesaikan mencapai pertumbuhan Laba Bersih yang cukup
seluruh rangkaian right issue dengan baik dan baik di tahun 2023 yaitu sebesar 36,30% (yoy).
mencapai posisi Ekuitas di atas Rp. 3 triliun.
Utilizing market potential and implementing
As a form of commitment of the Company’s appropriate strategies has led the Company to
Shareholders in strengthening the capital structure, achieve a terrific Net Profit growth in 2023, namely
in 2023 the Company has successfully completed the 36.30% (yoy).
entire series of rights issues and achieve an Equity
position of above Rp. 3 trillion.
8 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 11
IKHTISAR UTAMA
Highlights
Pertumbuhan Aset Pertumbuhan Kredit
Assets Growth Loan Growth
Dalam miliar Rupiah | In billion IDR Dalam miliar Rupiah | In billion IDR
26.622
22.117 15.237
20.743
12.409
13.738 9.812
13.148
7.140 7.429
2019 2020 2021 2022 2023 2019 2020 2021 2022 2023
Pertumbuhan Laba Bersih Pertumbuhan Dana Pihak Ketiga
Net Income Growth Third Party Fund Growth
Dalam miliar Rupiah | In billion IDR
17.855
141,5 16.012 15.076
103,8
9.027 9.735
64,2
45,8 53,6
2019 2020 2021 2022 2023 2019 2020 2021 2022 2023
Pertumbuhan Ekuitas
Equity Growth
3.336
1.765 1.879
1.464 1.520
2019 2020 2021 2022 2023
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 9
Page 12
IKHTISAR UTAMA
Highlights
IKHTISAR KEUANGAN
Financial Highlights
Neraca (Dalam juta Rupiah)
2023 2022 2021 2020 2019
Balance Sheet (in million IDR)
Kas
157.297 189.892 143.898 150.194 192.441
Cash
Penempatan pada Bank Indonesia dan Bank Lain
3.357.321 2.842.459 3.510.323 1.640.313 2.132.258
Placement with Bank Indonesia and Other Banks
Efek - Efek & Reverse Repo
5.854.379 5.798.670 6.419.917 3.988.546 3.348.446
Marketable Securities & Repo
Kredit yang Diberikan
15.237.176 12.409.218 9.812.089 7.428.576 7.140.003
Loan
Aset Lain-lain
2.016.179 876.128 856.416 530.305 334.355
Other Assets
Total Aset
26.622.352 22.116.366 20.742.643 13.737.934 13.147.503
Total Assets
Dana Masyarakat
17.854.872 15.075.980 16.012.192 9.734.959 9.026.742
Customer Deposit
Giro
5.920.851 5.391.885 5.996.104 3.347.150 3.793.284
Current Accounts
Tabungan
1.344.828 1.377.032 1.371.538 1.185.456 1.164.219
Saving Accounts
Deposito
10.589.193 8.307.063 8.644.550 5.202.353 4.069.239
Time Deposits
Liabilitas Lain-lain
5.431.676 5.167.786 2.965.768 2.483.121 2.656.345
Other Liabilities
Total Liabilitas
23.286.548 20.243.766 18.977.960 12.218.080 11.683.087
Total Liabilities
Ekuitas-Bersih
3.335.804 1.872.600 1.764.683 1.519.854 1.464.416
Total Equity
Laporan Laba Rugi (Dalam juta rupiah)
Income Statement (In million IDR)
Pendapatan Bunga Bersih
735.790 659.091 525.677 431.380 434.863
Net Interest Income
Pendapatan Operasional Lainnya
155.244 72.176 65.285 96.306 94.491
Other Operating Income
Beban Operasional Lainnya
(710.616) (596.904) (501.804) (455.932) (466.763)
Other Operating Expenses
Laba Operasional
180.418 134.363 89.158 71.754 62.591
Operating Income
Pendapatan (Beban) Non Operasional-Bersih
5.112 (230) (3.164) (475) 1.414
Non Operating Income-Net
Laba Tahun Berjalan Sebelum Pajak
185.530 134.133 85.994 71.279 64.005
Net Income Before Tax
Beban Pajak Penghasilan
(43.994) (30.288) (21.808) (17.672) (18.211)
Income Tax
Laba Bersih
141.536 103.845 64.186 53.607 45.794
Net Income
Jumlah laba (rugi) yang dapat diatribusikan kepada
pemilik entitas induk dan kepentingan non pengendali
141.536 103.845 64.186 53.607 45.794
Total income (loss) attributable to parent entity and
non-controlling interests
Total laba (rugi) komprehensif
206.698 72.917 51.662 65.126 50.039
Total comprehensive income
Jumlah laba (rugi) komprehensif yang dapat
diatribusikan kepada pemilik entitas induk dan
kepentingan non pengendali 206.698 72.917 51.662 65.126 50.039
Total comprehensive income (loss) attributable to
parent entity and non-controlling interests
Laba (rugi) per saham (Rupiah penuh)
23,05 22,56 14,42 12,08 10,32
Earnings (loss) per share (IDR full amount)
10 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 13
IKHTISAR KEUANGAN
Financial Highlights
Rasio Keuangan
2023 2022 2021 2020 2019
Financial Ratios
I. Permodalan | Equity
Rasio Kecukupan Modal (CAR)
23,50% 18,54% 20,91% 22,02% 21,57%
Capital Adequacy Ratio (CAR)
Rasio Liabilitas terhadap Ekuitas
698,08% 1081,05% 1075,43% 803,90% 797,80%
Debt to Equity Ratio
II. Aset Produktif | Productive Assets
Aset Produktif Bermasalah
0,16% 0,24% 0,29% 0,12% 1,18%
Non-Performing Assets
Kredit Bermasalah
0,59% 0,41% 0,58% 0,21% 2,09%
Non-Performing Loan
Kredit Bermasalah-Bersih
0,44% 0,33% 0,38% 0,18% 2,08%
Non-Performing Loan-Net
Cadangan Kerugian Penurunan Nilai atas Aset
Keuangan terhadap Aset Produktif
0,42% 0,38% 0,30% 0,24% 0,26%
Allowance for Impairment Losses on Financial Assets
against Productive Assets
Rasio Liabilitas terhadap Jumlah Aset
87,47% 91,53% 91,49% 88,94% 88,86%
Debt to Asset Ratio
III. Rentabilitas | Profitability
Tingkat Pengembalian Aset (ROA)
0,79% 0,64% 0,54% 0,57% 0,52%
Return on Assets (ROA)
Tingkat Pengembalian Ekuitas (ROE)
4,94% 6,39% 4,48% 3,94% 3,40%
Return on Equity (ROE)
Rasio Laba (rugi) Terhadap Pendapatan/Penjualan
8,42% 8,42% 6,28% 6,03% 5,00%
Net Income to Total Revenue
Margin Bunga Bersih (NIM)
3,38% 3,35% 3,46% 3,62% 3,93%
Net Interest Income (NIM)
Biaya Operasional terhadap Pendapatan Operasional
(BOPO) 89,26% 89,27% 91,33% 92,16% 93,18%
Operational Expense to Operational Income Ratio
IV. Likuiditas | Liquidity
Kredit yang Diberikan terhadap Dana Masyarakat (LDR)
85,34% 82,52% 61,28% 76,31% 79,10%
Loan to Deposit Ratio (LDR)
V. Kepatuhan | Compliance
Persentase Pelanggaran BMPK
0,00% 0,00% 0,00% 0,00% 0,00%
Percentage of Violation of the LLL
Persentase Pelampauan BMPK
0,00% 0,00% 0,00% 0,00% 0,00%
Percentage of Exceedance of the LLL
Giro Wajib Minimum Rupiah
6,79% 7,36% 3,51% 3,01% 6,77%
IDR Minimum Statutory Reserve
Giro Wajib Minimum Valas
4,13% 4,21% 4,16% 5,12% 8,09%
FX Minimum Statutory Reserve
Lain-lain | Others
Jumlah Karyawan
1.247 1.192 1.199 1.190 1.443
Number of Employees
Jumlah Jaringan Kantor
119 117 117 117 116
Number of Offices
Jumlah Jaringan ATM
225 225 225 224 222
Number of ATM
Current Account Saving Account (CASA) 40,69% 44,90% 46,01% 46,56% 54,92%
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 11
Page 14
IKHTISAR UTAMA
Highlights
IKHTISAR SAHAM
Stock Highlights
Jumlah Saham 2.155.830.000 saham (dua miliar seratus lima puluh lima juta delapan ratus tiga puluh ribu)
Number of Shares (two billion one hundred and fifty-five million eight hundred and thirty thousand shares)
Nilai Nominal | Face Value Rp100,- (seratus Rupiah) | (IDR one hundred)
Harga Penawaran Rp375,- (tiga ratus tujuh puluh lima Rupiah)
Offering Price (IDR three hundred and seventy-five)
Jumlah Penawaran Umum Rp808.436.250.000 (delapan ratus delapan miliar empat ratus tiga puluh enam juta dua
Number of Shares Offered ratus lima puluh ribu Rupiah)
(IDR eight hundred and eight billion four hundred and thirty-six million two hundred and fifty
thousand)
Jumlah Saham yang Sebanyak 4.104.371.700 (empat miliar seratus empat juta tiga ratus tujuh puluh satu ribu
Dicatatkan tujuh ratus) saham atau 99,0% (sembilan puluh sembilan persen) dari seluruh jumlah
Number of Shares Listed saham yang telah Ditempatkan dan Disetor Penuh Perseroan sesudah Penawaran Umum.
4,104,371,700 (four billion one hundred and four million three hundred and seventy one
thousand seven hundred) shares or 99,0% (ninety nine percent) of the total number of
shares that have been issued and fully paid by the Company after public offering.
Lembaga & Profesi Penjamin Pelaksana Emisi | Underwriter : PT Ciptadana Securities
Penunjang
Institutions and Supporting Biro Administrasi Efek | Stock Administration Bureau : PT Sharestar Indonesia
Professionals Konsultan Hukum | Legal Consultant : Nindyo & Associates
Notaris | Notary : Unita Christina Winata, SH.
Akuntan Publik | Public Accountant : Amir Abadi Jusuf, Aryanto, Mawar & Rekan, firma
anggota dari jaringan global RSM
Bursa Efek | Stock Exchange Bursa Efek Indonesia | Indonesia Stock Exchange
Masa Penawaran 13 -14 Mei 2013 | May 13 -14, 2013
Offering Period
Tanggal Pencatatan 20 Mei 2013 | May 20, 2013
Listing Date
Harga Saham & Volume | Share Net Income
900 140.000.000
800
120.000.000
700
100.000.000
600
500 80.000.000
400 60.000.000
300
40.000.000
200
20.000.000
100
0 -
30 Dec 22 30 Jan 23 28 Feb 23 31 Mar 23 30 Apr 23 31 May 23 30 Jun 23 31 Jul 23 31 Aug 23 30 Sep 23 31 Oct 23 30 Nov 23
Volume (RHS) Close (LHS)
12 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 15
IKHTISAR SAHAM
Stock Highlights
HARGA SAHAM PERSEROAN
The Company Share Price
Harga Harga Harga
Saham Beredar Kapitalisasi
Tertinggi Terendah Penutupan Volume
(dlm lembar) (dlm Rupiah
Tanggal (dlm Rupiah (dlm Rupiah (dlm Rupiah (dlm lembar)
Outstanding Penuh)
Date Penuh) Penuh) Penuh) Volume
Shares Capitalization
High IDR full Low IDR full Close IDR full Shares
Shares IDR full amount
amount amount amount
Triwulan 1 /2018
4.437.912.300 3.980.163.120.024 907 882 897 14.591
Quarter 1 /2018
Triwulan 2 /2018
4.437.912.300 4.067.675.357.194 913 906 917 3.250
Quarter 2 /2018
Triwulan 3 /2018
4.437.912.300 4.175.574.419.685 947 899 941 28.594
Quarter 3 /2018
Triwulan 4 /2018
4.437.912.300 4.508.417.842.185 1.003 967 1.016 71.300
Quarter 4 /2018
Triwulan 1 /2019
4.437.912.300 4.277.913.882.868 976 925 964 166.847
Quarter 1 /2019
Triwulan 2 /2019
4.437.912.300 4.162.294.588.737 946 927 938 3.942
Quarter 2 /2019
Triwulan 3 /2019
4.437.912.300 4.062.076.602.094 942 896 915 5.772
Quarter 3 /2019
Triwulan 4 /2019
4.437.912.300 4.016.310.631.500 920 889 905 6.256
Quarter 4 /2019
Triwulan 1 /2020
4.437.912.300 4.143.900.610.125 937 925 934 2.408
Quarter 1 /2020
Triwulan 2 /2020
4.437.912.300 3.747.116.214.355 866 824 844 3.329
Quarter 2 /2020
Triwulan 3 /2020
4.437.912.300 3.401.215.986.720 772 743 766 3.976
Quarter 3 /2020
Triwulan 4 /2020
4.437.912.300 3.666.943.067.457 850 808 826 58.549
Quarter 4 /2020
Triwulan 2 /2020
4.437.912.300 3.505.950.717.000 790 790 790 1.900
Quarter 2 /2020
Triwulan 3 /2020
4.437.912.300 3.750.035.893.500 845 845 845 300
Quarter 3 /2020
Triwulan 4 /2020
4.437.912.300 3.661.277.647.500 875 825 825 108.200
Quarter 4 /2020
Triwulan 1 /2021
4.437.912.300 3.306.244.663.500 795 735 745 609.900
Quarter 1 /2021
Triwulan 2 /2021
4.437.912.300 5.325.494.760.000 1.320 1.120 1.200 5.826.300
Quarter 2 /2021
Triwulan 3 /2021
4.437.912.300 4.681.997.476.500 1.070 1.045 1.055 713.900
Quarter 3 /2021
Triwulan 4 /2021
4.602.279.422 3.267.618.389.620 750 710 710 2.362.900
Quarter 4 /2021
Triwulan 1 /2022
4.602.279.422 3.079.377.616.540 689 654 669 2.186.221
Quarter 1 /2022
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 13
Page 16
IKHTISAR UTAMA
Highlights
IKHTISAR SAHAM
Stock Highlights
Harga Harga Harga
Saham Beredar Kapitalisasi
Tertinggi Terendah Penutupan Volume
(dlm lembar) (dlm Rupiah
Tanggal (dlm Rupiah (dlm Rupiah (dlm Rupiah (dlm lembar)
Outstanding Penuh)
Date Penuh) Penuh) Penuh) Volume
Shares Capitalization
High IDR full Low IDR full Close IDR full Shares
Shares IDR full amount
amount amount amount
Triwulan 2 /2022
4.602.279.422 2.699.446.075.522 602 577 587 526.173
Quarter 2 /2022
Triwulan 3 /2022
4.602.279.422 2.720.655.181.390 610 580 591 643.008
Quarter 3 /2022
Triwulan 4 /2022
4.602.279.422 2.615.510.797.672 595 559 568 289.258
Quarter 4 /2022
Triwulan 1 /2023
5.283.278.775 2.734.267.194.410 533 509 518 520.066
Quarter 1 /2023
Triwulan 2 /2023
5.283.278.775 2.562.593.408.905 495 479 485 284.860
Quarter 2 /2023
Triwulan 3 /2023
7.478.443.899 4.318.458.861.015 596 559 577 11.022.628
Quarter 3 /2023
Triwulan 4 /2023
7.478.443.899 5.701.423.182.047 782 747 762 3.316.689
Quarter 4 /2023
Catatan: Harga saham di atas (tertinggi, terendah, penutupan) adalah rata-rata harga selama periode triwulan yang bersangkutan.
Note: The above stock price (high, low, closing) is the average price during the relevant quarterly period.
INFORMASI MENGENAI OBLIGASI, INFORMATION REGARDING BONDS,
SUKUK ATAU OBLIGASI KONVERSI SUKUK OR CONVERTIBLE BONDS
YANG MASIH BEREDAR DALAM 2 THAT ARE STILL OUTSTANDING IN
(DUA) TAHUN BUKU TERAKHIR THE LAST 2 (TWO) FINANCIAL YEARS
Perseroan saat ini tidak menerbitkan instrumen The Company currently does not issue any financial
keuangan berupa obligasi, sukuk atau obligasi instruments in the form of bonds, sukuk or convertible
konversi. bonds.
14 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 17
IKHTISAR SAHAM
Stock Highlights
PENGGUNAAN DANA IPO
The Usage of the Initial Public Offering Proceeds
Penggunaan dana hasil Penawaran Umum Perdana (IPO) adalah sebagai berikut:
The usage of the Initial Public Offering proceeds are as follows:
Penggunaan Dana Hasil Penambahan Modal dengan Hak Memesan Efek
Penggunaan Sisa Dana
Terlebih Dahulu (PMHMETD)
Usage Remaining Funds
The usage of the Increase Capital with Preemptive Rights (PMHMETD)
Jumlah Hasil Penawaran Umum (Rp miliar)
808.436
The amount of public offering proceeds (Rp billion)
Biaya | Underwriting & Listing Cost 4.440 803.996
Laporan Posisi 30 Juni 2013 | June 30, 2013 Report 168.514 635.482
Laporan Posisi 30 September 2013 | September 30, 2013 Report 182.994 452.488
Laporan Posisi 31 Desember 2013 | December 31, 2013 Report 366.945 85.543
Laporan Posisi 31 Maret 2014 | March 31, 2014 Report 85.543 0
Penggunaan Dana Hasil Penambahan Modal dengan Hak Memesan Efek
Penggunaan Sisa Dana
Terlebih Dahulu (PMHMETD)-I
Usage Remaining Funds
The usage of the Increase Capital with Preemptive Rights (PMHMETD) - I
Jumlah Hasil Penawaran Umum (Rp miliar)
198.062
The amount of public offering proceeds (Rp billion)
Biaya | Underwriting & Listing Cost 4.895 193.167
Pembelian Gedung | Building Purchase 193.000 167
Modal Kerja | Working Capital 167 -
Laporan Posisi 31 Desember 2021 | December 31, 2021 Report - -
Penggunaan Dana Hasil Penambahan Modal dengan Hak Memesan Efek
Penggunaan Sisa Dana
Terlebih Dahulu (PMHMETD)-II
Usage Remaining Funds
The usage of the Increase Capital with Preemptive Rights (PMHMETD) - II
Jumlah Hasil Penawaran Umum (Rp miliar)
403.152
The amount of public offering proceeds (Rp billion)
Biaya | Underwriting & Listing Cost 7.609 395.543
Pembelian Gedung | Building Purchase 368.000 27.543
Modal Kerja | Working Capital 27.543 -
Laporan Posisi 30 Juni 2023 | June 30, 2023 Report - -
Penggunaan Dana Hasil Penambahan Modal dengan Hak Memesan Efek
Penggunaan Sisa Dana
Terlebih Dahulu (PMHMETD)-III
Usage Remaining Funds
The usage of the Increase Capital with Preemptive Rights (PMHMETD) - III
Jumlah Hasil Penawaran Umum (Rp miliar)
900.018
The amount of public offering proceeds (Rp billion)
Biaya | Underwriting & Listing Cost 4.842 895.176
Pembelian Gedung | Building Purchase 735.260 159.916
Modal Kerja | Working Capital 69.015 90.901
Laporan Posisi 31 Desember 2023 | December 31, 2023 Report 804.275 90.901
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 15
Page 18
IKHTISAR UTAMA
Highlights
AKSI KORPORASI
Corporate Action
Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu
Aksi Korporasi
(PMTHMETD)
Corporate Action
Capital Increase without Pre-emptive Rights
RUPSLB Perseroan dalam rangka PMTHMETD
Extraordinary General Shareholders Meeting 19 Agustus 2014
regarding Capital Increase without Pre-emptive August 19, 2014
Rights
Keterbukaan Informasi 17 Juli 2014 & 15 Agustus 2014
Public Disclosure July 17, 2014 & August 15, 2014
PMTHMETD Tahap I
Capital Increase without Pre-emptive Rights Phase I
Rights Issue Phase I
Tanggal Distribusi Saham Tahap I 3 September 2014
Phase I Shares Distribution Date September 3, 2014
Pencatatan 4 September 2014
New Shares Listing September 4, 2014
Harga Pelaksanaan Rp790,- (tujuh ratus sembilan puluh Rupiah) / (IDR seven hundred and
Execution Price ninety)
Jumlah Saham yang didistribusikan/dicatatkan
165.500.000 lembar / shares
Number of Shares Distributed
Jumlah Saham (sebelum)
4.145.830.000 lembar / shares
Number of Shares (before)
Jumlah Saham (sesudah)
4.311.330.000 lembar / shares
Number of Shares (after)
Harga pasar saham sebelum pencatatan Rp820,- (delapan ratus dua puluh Rupiah) / (IDR eight hundred and
Market price before listing twenty)
Harga pasar saham sesudah pencatatan Rp820,- (delapan ratus dua puluh Rupiah) / (IDR eight hundred and
Market price after listing twenty)
PMTHMETD Tahap II
Capital Increase without Pre-emptive Rights Phase II
Rights Issue Phase II
Tanggal Distribusi Saham Tahap II 1 Februari 2016
Phase II Shares Distribution Date February 1, 2016
Pencatatan 2 Februari 2016
New Shares Listing February 2, 2016
Harga Pelaksanaan Rp790,- (tujuh ratus sembilan puluh Rupiah) / (IDR seven hundred and
Execution Price ninety)
Jumlah Saham yang didistribusikan/dicatatkan
126.582.300 lembar / shares
Number of Shares Distributed
Jumlah Saham (sebelum)
4.311.330.000 lembar / shares
Number of Shares (before)
Jumlah Saham (sesudah)
4.437.912.300 lembar / shares
Number of Shares (after)
Harga pasar saham sebelum pencatatan
Rp600,- (enam ratus Rupiah) / (IDR six hundred)
Market price before listing
Harga pasar saham sesudah pencatatan
Rp600,- (enam ratus Rupiah) / (IDR six hundred)
Market price after listing
RUPSLB Perseroan dalam rangka PMHMETD
Extraordinary General Shareholders Meeting 24 September 2021
regarding Capital Increase with Pre-emptive September 24, 2021
Rights
16 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 19
AKSI KORPORASI
Corporate Action
Penambahan Modal dengan Hak Memesan Efek Terlebih Dahulu
Aksi Korporasi
(PMHMETD) - I
Corporate Action
Capital Increase with Pre-emptive Rights
28 Juli 2021 / July 28, 2021
Keterbukaan Informasi & Tambahan Informasi
22 September 2021 / September 22, 2021
Public Disclosure & Additional Information
1 Desember 2021 / December 1, 2021
Tanggal Distribusi Saham Tahap I
24 Desember 2021/ December 24, 2021
Phase I Shares Distribution Date
Pencatatan
24 Desember 2021/ December 24, 2021
New Shares Listing
Harga Pelaksanaan Rp1.205,- (Seribu dua ratus lima Rupiah) / (IDR one thousand two
Execution Price hundred and five)
Jumlah Saham yang didistribusikan/dicatatkan
164.367.122 lembar /shares
Number of Shares Distributed
Jumlah Saham (sebelum)
4.437.912.300 lembar / shares
Number of Shares (before)
Jumlah Saham (sesudah)
4.602.279.422 lembar / shares
Number of Shares (after)
Harga pasar saham sebelum pencatatan Rp685,- (enam ratus delapan puluh lima Rupiah) / (IDR six hundred and
Market price before listing eighty five)
Harga pasar saham sesudah pencatatan Rp695,- (enam ratus sembilan puluh lima Rupiah) / (IDR six hundred
Market price after listing and ninety five)
Penambahan Modal dengan Hak Memesan Efek Terlebih Dahulu
Aksi Korporasi
(PMHMETD)-II
Corporate Action
Capital Increase with Pre-emptive Rights
Keterbukaan Informasi & Tambahan Informasi 26 Desember 2022 / December 26, 2022
Public Disclosure & Additional Information 3 Februari 2023 / February 3, 2023
Tanggal Distribusi Saham Tahap I
28 Februari 2023 / February 28, 2023
Phase I Shares Distribution Date
Pencatatan
28 Februari 2023 / February 28, 2023
New Shares Listing
Harga Pelaksanaan Rp592,- (Lima ratus sembilan puluh dua Rupiah) / (IDR five hundred
Execution Price and ninety two)
Jumlah Saham yang didistribusikan/dicatatkan
680.999.353 lembar /shares
Number of Shares Distributed
Jumlah Saham (sebelum)
4.602.279.422 lembar / shares
Number of Shares (before)
Jumlah Saham (sesudah)
5.283.278.775 lembar / shares
Number of Shares (after)
Harga pasar saham sebelum pencatatan
Rp520,- (lima ratus dua puluh Rupiah) / (IDR five hundred and twenty)
Market price before listing
Harga pasar saham sesudah pencatatan Rp545,- (lima ratus empat puluh lima Rupiah) / (IDR five hundred and
Market price after listing forty five)
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 17
Page 20
IKHTISAR UTAMA
Highlights
AKSI KORPORASI
Corporate Action
Penambahan Modal dengan Hak Memesan Efek Terlebih Dahulu
Aksi Korporasi
(PMHMETD)-III
Corporate Action
Capital Increase with Pre-emptive Rights
7 Maret 2023 / March 7, 2023
Keterbukaan Informasi & Tambahan Informasi
18 April 2023 / April 18, 2023
Public Disclosure & Additional Information
1 Agustus 2023 / August 1, 2023
Tanggal Distribusi Saham Tahap I
22 Agustus 2023 / August 22, 2023
Phase I Shares Distribution Date
Pencatatan
22 Agustus 2023 / August 22, 2023
New Shares Listing
Harga Pelaksanaan
Rp410,- (empat ratus sepuluh Rupiah) / (IDR four hundred and ten)
Execution Price
Jumlah Saham yang didistribusikan/dicatatkan
2.195.165.124 lembar /shares
Number of Shares Distributed
Jumlah Saham (sebelum)
5.283.278.775 lembar / shares
Number of Shares (before)
Jumlah Saham (sesudah)
7.478.443.899 lembar / shares
Number of Shares (after)
Harga pasar saham sebelum pencatatan
Rp406,- (empat ratus enam Rupiah) / (IDR four hundred and six)
Market price before listing
Harga pasar saham sesudah pencatatan Rp416,- (empat ratus enam belas Rupiah) / (IDR four hundred and
Market price after listing sixteen)
PENGHENTIAN SEMENTARA PERDAGANGAN SAHAM/
PENGHAPUSAN PENCATATAN SAHAM
SUSPENSION/DELISTING
Selama tahun 2023, tidak terdapat penghentian There were no shares suspension received by the
perdagangan sementara (suspensi) saham Company in 2023.
Perseroan.
18 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 21
PERISTIWA PENTING PERSEROAN 2023
Important Events Highlights 2023
Raih 2 Penghargaan, Nobu Bank Kukuhkan Posisi di Bisnis KPR
Pada bulan Maret 2023 ini, berturut-turut Nobu Bank menerima penghargaan di
dunia properti. Setelah menerima penghargaan sebagai “Lender KPR Primary of
The Year” dalam ajang Loan Market Annual Awards 2023 di tanggal 3 Maret 2023
lalu, Nobu Bank kembali menerima penghargaan dari sebuah ajang bergengsi,
Anugerah Indonesia Property & Bank Award XVII dan Indonesia MyHome Award-VI,
dengan dinobatkan sebagai “Most Recommended Mortgage Product with Best
Services and Fastest Process”. Penghargaan yang diserahkan oleh Gubernur
Jawa Timur, Khofifah Indar Parawangsa yang hadir sebagai tamu kehormatan ini
berlangsung dalam sebuah acara yang digelar di ballroom Hotel Mulia Jakarta, pada
20 Maret 2023 20 Maret 2023 yang lalu. Penghargaan ini menjadi bukti pengakuan pelaku industri
March 20, 2023 properti bahwa Nobu Bank memiliki proposisi yang unik dalam memasarkan Kredit
Pemilikan Rumah/Apartemen (KPR/KPA) yaitu kemampuan dalam memberikan
layanan secara cepat dan memuaskan bagi Nasabah dalam proses memperoleh
pembiayaan bagi pembelian propertinya.
Receiving 2 Awards, Nobu Bank Solidifies Its Position in the Mortgage Business
In March 2023, Nobu Bank consecutively received awards in the property world. After
being honored as the “Primary Mortgage Lender of The Year” at the Loan Market
Annual Awards 2023 on March 3, 2023, Nobu Bank once again received recognition
from a prestigious event, the Indonesia Property & Bank Award XVII and Indonesia
MyHome Award-VI, being named the “Most Recommended Mortgage Product with
Best Services and Fastest Process”. The award, presented by the Governor of East
Java, Khofifah Indar Parawangsa, who attended as a guest of honor, took place at an
event held in the ballroom of Hotel Mulia Jakarta, on March 20, 2023. This accolade
serves as evidence of the property industry’s recognition that Nobu Bank has a
unique proposition in marketing Home/Apartment Ownership Loans (KPR/KPA),
namely the ability to provide fast and satisfying services to Customers in the process
of obtaining financing for their property purchases.
Lindungi Penerima KUR dengan Jaminan Sosial
Nobu Bank Tandatangani Kerja Sama dengan BPJS Ketenagakerjaan
Dalam rangka memberikan perlindungan Jaminan Sosial Ketenagakerjaan bagi
para pelaku Usaha Mikro Kecil dan menengah (UMKM) penerima Kredit Usaha
Rakyat (KUR), pada hari ini Nobu Bank secara resmi menandatangani kerja sama
dengan BPJS Ketenagakerjaan. Acara yang dilangsungkan di kantor Nobu Bank di
Gajah Mada Tower Jakarta Pusat tersebut dihadiri oleh Steve Marciano Joe selaku
Head of Retail Banking Nobu Bank, Indra Steiven Manafe, Digital Loan Division Head
Nobu Bank, dan Deny Yusyulian selaku Kepala Kantor Wilayah DKI Jakarta BPJS
Ketenagakerjaan beserta jajarannya.
23 Mei 2023
May 23, 2023 Protecting KUR Recipients with Social Security
Nobu Bank Signs Cooperation with BPJS Employment
In order to provide Employment Social Security protection for Micro, Small, and
Medium Enterprises (MSMEs) beneficiaries of People’s Business Credit (KUR),
today Nobu Bank officially signed a cooperation agreement with BPJS Employment.
The event, held at the Nobu Bank office in Gajah Mada Tower, Central Jakarta, was
attended by Steve Marciano Joe as the Head of Retail Banking at Nobu Bank, Indra
Steiven Manafe, Digital Loan Division Head of Nobu Bank, and Deny Yusyulian as the
Head of the DKI Jakarta Regional Office of BPJS Employment with his team.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 19
Page 22
IKHTISAR UTAMA
Highlights
PERISTIWA PENTING PERSEROAN 2023
Important Events Highlights 2023
Amartha Resmi Gandeng Nobu Bank Salurkan Modal Usaha Ultra Mikro 100
Miliar Rupiah
PT Amartha Mikro Fintek (Amartha), prosperity platform yang berfokus pada
pengembangan UMKM lewat layanan keuangan inklusif, resmi menjalin kolaborasi
dengan PT Bank Nationalnobu Tbk (Nobu Bank) untuk mendukung permodalan
pelaku usaha ultra mikro di pedesaan di berbagai lokasi di Indonesia dengan
komitmen tahap awal sebesar 100 miliar rupiah. Peresmian kolaborasi ini ditandai
dengan penandatanganan Perjanjian Kerja Sama (PKS) yang dilaksanakan pada
tanggal 27 Mei 2023 di Kantor Nobu Bank Gajah Mada Tower, Jakarta Pusat. Kolaborasi
yang terjalin antara Amartha dan Nobu Bank ini ditujukan untuk mengakselerasi
27 Mei 2023
permodalan usaha produktif bagi lebih dari 30.000 mitra binaan Amartha di berbagai
May 27, 2023 sektor usaha khususnya di Pulau Jawa, Sumatra Utara, Sumatra Barat, dan Sumatra
Selatan.
Amartha Officially Partners with Nobu Bank to Disburse 100 Billion Rupiah in
Ultra Micro Business Capital
PT Amartha Mikro Fintek (Amartha), a prosperity platform focused on the
development of MSMEs through inclusive financial services, has officially established
a collaboration with PT Bank Nationalnobu Tbk (Nobu Bank) to support the capital
needs of ultra-micro businesses in rural areas across various locations in Indonesia,
with an initial commitment of 100 billion rupiah. The inauguration of this collaboration
was marked by the signing of a Cooperation Agreement (PKS) held on May 27, 2023,
at the Nobu Bank office in Gajah Mada Tower, Central Jakarta. This collaboration
between Amartha and Nobu Bank is aimed at accelerating capital funding for
productive business ventures for more than 30,000 Amartha partner members in
various business sectors, especially on the islands of Java, North Sumatra, West
Sumatra, and South Sumatra.
MD Co dan Nobu Bank Sepakati Kerja Sama Pemberdayaan 10.000 UMKM
Ekonomi Kreatif Khususnya Femalepreneur
MD Co dan PT Bank Nationalnobu Tbk (Nobu Bank) menyepakati kerja sama dalam
program pemberdayaan 10.000 UMKM Ekonomi Kreatif khususnya ‘Femalepreneur’
di Indonesia. Kerja sama ini ditandatangani secara simbolis oleh Merry Riana,
Managing Principal MD Co, dan Suhaimin Johan, Direktur Utama Nobu Bank, di
tengah acara InspiraFest 2023 yang berlangsung di Mall @ Alam Sutera, Tangerang,
pada hari Sabtu, 12 Agustus 2023.
MD Co and Nobu Bank Agree on Collaboration to Empower 10,000 Creative
12 Agustus 2023
Economy MSMEs, Especially Femalepreneurs
August 12, 2023
MD Co and PT Bank Nationalnobu Tbk (Nobu Bank) have agreed on a collaboration
for the empowerment program of 10,000 Creative Economy MSMEs, specifically
‘Femalepreneurs’ in Indonesia. This collaboration was symbolically signed by Merry
Riana, Managing Principal of MD Co, and Suhaimin Johan, President Director of Nobu
Bank, amidst the InspiraFest 2023 event held at Mall @ Alam Sutera, Tangerang, on
Saturday, August 12, 2023.
20 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 23
PERISTIWA PENTING PERSEROAN 2023
Important Events Highlights 2023
Kolaborasi BPJS Kesehatan dan Nobu Bank Tingkatkan Layanan Program JKN
Dalam upaya meningkatkan kualitas layanan dan kepuasan peserta JKN sebagai
fokus utama tahun 2023, BPJS Kesehatan bersama PT Bank Nationalnobu Tbk
(Nobu Bank) menyelenggarakan penandatanganan Perjanjian Kerja Sama Supply
Infrastructure Financing (SIF) pada Selasa (12/12). Langkah ini menunjukkan
komitmen kuat Nobu Bank untuk membawa inovasi dalam sektor kesehatan
Indonesia.
Collaboration between BPJS Healthcare and Nobu Bank Enhances JKN Program
Services
12 Desember 2023
December 12, 2023 In an effort to improve service quality and satisfaction of JKN participants as the
main focus for 2023, BPJS Healthcare, in collaboration with PT Bank Nationalnobu
Tbk (Nobu Bank), conducted the signing of a Supply Infrastructure Financing (SIF)
Cooperation Agreement on Tuesday (12/12). This event demonstrates Nobu Bank’s
strong commitment to bringing innovation to Indonesia’s health sector.
Nobu Bank raih Investor Trust Digital Banking Awards 2023
Nobu Bank meraih Investor Trust Digital Banking Awards 2023 pada Dimensi
Customer untuk kategori KBMI 1. Penghargaan yang diterima oleh Hadi Wenas, Chief
Business Officer Nobu Bank, ini menjadi salah satu dari rangkaian penghargaan yang
diterima Nobu Bank sepanjang tahun 2023 yang sekaligus membuktikan apresiasi
dari berbagai pihak atas kinerja dan komitmen Nobu Bank dalam memberikan
produk dan layanan yang berkualitas bagi masyarakat.
Nobu Bank receives the Investor Trust Digital Banking Awards 2023
14 Desember 2023 Nobu Bank was awarded the Investor Trust Digital Banking Awards 2023
December 14, 2023 in the Customer Dimension for the KBMI 1 category. The award, received
by Hadi Wenas, Chief Business Officer of Nobu Bank, is one of a series
of accolades Nobu Bank has earned throughout 2023, simultaneously
proving appreciation from various parties for Nobu Bank’s performance
and commitment to providing high-quality products and services to the
community.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 21
Page 24
LAPORAN MANAJEMEN
Management Report
LAPORAN
MANAJEMEN
MANAGEMENT
REPORTS
Tahun 2023 menjadi
tonggak penting bagi
Perseroan karena di tahun
tersebut Perseroan dapat
mengoptimalkan
momentum pertumbuhan
dengan baik dan mampu
menghasilkan kinerja
keuangan yang lebih
baik dibandingkan tahun
sebelumnya.
The year 2023 was an important milestone
for the Company because in that year
the Company could optimize its growth
momentum well and was able to produce
better financial performance compared to
the previous year.
22 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 25
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 23
Page 26
LAPORAN MANAJEMEN
Management Report
Suhaimin Djohan
Direktur Utama
President Director
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Report from the Board of Directors
Expanding Capabilities Capturing Opportunities
menurut kami tepat untuk menjadi tema Laporan
Tahunan Perseroan di tahun 2023 ini. Kami menyadari
bahwa meskipun kondisi regional dan global masih
terdapat ketidakpastian yang menghantui perekonomian
Nasional, kami tetap melihat beberapa peluang bisnis yang
dapat kami manfaatkan secara optimal guna menopang
pertumbuhan usaha Perseroan.
Expanding Capabilities Capturing Opportunities - in our
opinion is appropriate as the theme of the Company’s Annual
Report in 2023. We realize that even though regional and
global conditions still have uncertainty haunting the national
economy, we still see several business opportunities that we
can exploit optimally to support the Company’s business
growth.
Pemegang Saham yang Kami Hormati, Dear Shareholders,
Tahun 2023 menjadi tonggak penting bagi The year 2023 was an important milestone for the
Perseroan karena di tahun tersebut Perseroan dapat Company because in that year the Company could
mengoptimalkan momentum pertumbuhan dengan optimize its growth momentum well and was able to
baik dan mampu menghasilkan kinerja keuangan produce better financial performance compared to
yang lebih baik dibandingkan tahun sebelumnya. the previous year. Business growth in the consumer
Pertumbuhan bisnis pada segmen konsumer dan and micro segments supports the growth of loan
mikro menjadi penopang pertumbuhan penyaluran distribution, in addition to the contribution from loan to
kredit, selain kontribusi dari kredit segmen Usaha Small and Medium Enterprises (SME) segment. The
Kecil dan Menengah (UKM). Pengembangan Dana development of quality Third Party Funds continued
Pihak Ketiga yang berkualitas terus berlanjut dengan by optimizing the Company’s digital services. Apart
mengoptimalkan layanan digital yang dimiliki from that, the Company has also recorded excellent
Perseroan. Selain itu, Perseroan juga mencatatkan merchant business growth and has initiated the
pertumbuhan bisnis merchant yang sangat baik development of open banking services or Bank as a
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dan telah menginisiasi pengembangan layanan Service (BaaS). On the capital side, the Company has
open banking atau Bank as a Service (BaaS). Pada completed a series of capital additions through Rights
sisi permodalan, Perseroan telah menyelesaikan Issue III which strengthened the Company’s position
rangkaian penambahan modal melalui Right Issue III as a bank in the KBMI 1 category.
yang mengokohkan posisi Perseroan sebagai bank
pada kategori KBMI 1.
14.000
12.000
10.000
8.000
6.000
4.000
2.000
-
2019 2020 2021 2022 2023
Kredit/Loan (Tn) DPK/TPF (Tn) Total Aset/ Total Assets (Tn)
Sekilas Industri Perbankan Nasional Tahun 2023 A Glance at the National Banking Industry in 2023
Sebelum membahas kinerja Perseroan, mari Before discussing the Company’s performance, let’s
bersama kita melihat kembali perkembangan industri look back at the development of the National banking
perbankan Nasional dalam tahun 2023 yang lalu. industry in 2023.
Secara umum, meski dibayangi ketidakpastian In general, despite being overshadowed by global
global dan prospek perlambatan pertumbuhan uncertainty and the prospect of slowing global
ekonomi global, industri perbankan Nasional tetap economic growth, the national banking industry
resilien dan berdaya saing didukung oleh tingkat remains resilient and competitive, supported by
profitabilitas (ROA) dan permodalan (CAR) yang relatively high levels of profitability (ROA) and capital
relatif tinggi masing-masing sebesar 2,74% dan (CAR) of 2.74% and 27.65% respectively. In terms of
27,65%. Dari sisi kinerja intermediasi, pada akhir intermediation performance, at the end of December
Desember 2023, secara yoy kredit meningkat Rp666,7 2023, yoy loan increased by Rp666.7 trillion or grew
triliun atau tumbuh 10,38% menjadi Rp7.090,2 triliun. 10.38% to Rp7,090.2 trillion. Meanwhile, growth in Third
Sementara itu, pertumbuhan Dana Pihak Ketiga Party Funds (TPF) in December 2023 was recorded
(DPK) pada Desember 2023 tercatat 3,73% yoy atau at 3.73% yoy or Rp8,457.9 trillion, with deposits being
menjadi Rp8.457,9 triliun, dengan deposito menjadi the largest contributor to growth. Several things that
kontributor pertumbuhan terbesar. Beberapa hal influenced the slowdown in TPF growth included high
yang memengaruhi perlambatan pertumbuhan DPK TPF growth during the pandemic which resulted in a
di antaranya yaitu pertumbuhan DPK yang tinggi high base effect on TPF growth afterwards. Apart from
pada masa pandemi yang mengakibatkan high base that, internal funds are used for company operations
effect pada pertumbuhan DPK setelahnya. Selain itu and expansion, as well as public consumption which
penggunaan dana internal untuk operasional dan has increased again with the end of the pandemic
ekspansi perusahaan, serta konsumsi masyarakat status. Even though loan growth was higher than
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yang kembali meningkat dengan berakhirnya status TPF growth, the Loan to Deposit Ratio of commercial
pandemi. Meski pertumbuhan kredit lebih tinggi banks was still at an optimum position at 83.83%, an
dibandingkan dengan pertumbuhan DPK, Loan to increase from 78.78% at the end of 2022. Banking
Deposit Ratio bank umum masih berada pada posisi industry liquidity in December 2023 was still at an
optimum di 83,83%, meningkat dari posisi 78,78% adequate level with liquidity ratios far above the level of
di akhir tahun 2022. Likuiditas industri perbankan supervision requirements. The ratios of Liquid Assets/
pada Desember 2023 masih dalam level yang Non Core Deposits (AL/NCD) and Liquid Assets/TPF
memadai dengan rasio-rasio likuditas jauh di atas (LA/TPF) were each well above their thresholds. Loan
level kebutuhan pengawasan. Rasio Alat Likuid/Non quality remains maintained with a banking net NPL
Core Deposit (AL/NCD) dan Alat Likuid/DPK (AL/ ratio of 0.75% and gross NPL of 2.19%. As the national
DPK) masing-masing berada jauh di atas threshold- economy grows, the number of Covid-19 restructuring
nya. Kualitas kredit tetap terjaga dengan rasio NPL loans continued its downward trend which of course
net perbankan sebesar 0,75% dan NPL gross sebesar has a positive impact on reducing the Loan at Risk
2,19%. Seiring pertumbuhan perekonomian nasional, ratio.
jumlah kredit restrukturisasi Covid-19 melanjutkan
tren penurunan yang tentunya berdampak positif bagi
penurunan rasio Loan at Risk.
Kinerja Nobu Bank Tahun 2023 Nobu Bank Performance in 2023
Seiring pertumbuhan ekonomi Nasional yang As national economic growth continues to improve
semakin membaik pasca pandemi Covid-19 yang after the Covid-19 pandemic, which can be seen in
nampak pada meningkatnya daya beli masyarakat increasing people’s purchasing power and improving
dan membaiknya kinerja sektor riil, Nobu Bank juga real sector performance, Nobu Bank is also enjoying
menikmati pertumbuhan yang baik bahkan lebih baik favorable growth, even better than the banking
dibanding industri perbankan. industry.
Di akhir 2023, Aset Perseroan mencapai Rp26,6 triliun At the end of 2023, the Company’s assets reached
atau tumbuh 20,37%. Pertumbuhan ini ditopang oleh Rp26.6 trillion or grow 20.37%. This growth was
pertumbuhan penyaluran kredit yang mencapai supported by growth in loan distribution which reached
22,79% atau mencapai Rp15,2 triliun. Pertumbuhan 22.79% or Rp15.2 trillion. Business growth in the
bisnis pada segmen konsumer dan mikro menjadi consumer and micro segments supports the growth
penopang pertumbuhan penyaluran kredit, selain of loan distribution, in addition to the contribution
kontribusi dari kredit segmen Usaha Kecil dan from loan to Small and Medium Enterprises (SME)
Menengah (UKM). Sementara pada sisi funding, segment. Meanwhile, on the funding side, the
Perseroan mencatatkan pertumbuhan Dana Pihak Company recorded growth in Third Party Funds of
Ketiga sebesar 18,43% atau mencapai Rp17,8 triliun di 18.43% or reaching Rp17.8 trillion at the end of 2023.
akhir 2023.
Pendapatan Bunga Bersih sepanjang tahun 2023 Net Interest Income throughout 2023 was recorded to
tercatat naik 29% menjadi hampir Rp1,5 triliun, increase 29% to almost Rp1.5 trillion, compared to the
dibandingkan capaian setahun sebelumnya sebesar previous year’s achievement of Rp1.1 trillion. Apart from
Rp1,1 triliun. Selain itu, Pendapatan Operasional that, Other Operating Income (fee based income) also
Lainnya (fee based income) juga meningkat sebesar increased by 115% to Rp155.2 billion in 2023, from the
115% menjadi Rp155,2 miliar di tahun 2023, dari previous Rp72.1 billion. Even though Other Operational
sebelumnya sebesar Rp72,1 miliar. Meski Beban Expenses also increased by 16.8%, the Company
Operasional Lainnya turut meningkat 16,8%, namun still managed to record quite satisfactory Net Profit
Perseroan tetap berhasil membukukan pertumbuhan growth of 36.3% to Rp141.5 billion from the previous
Laba Bersih yang cukup baik yaitu sebesar 36,3% year which amounted to Rp103.8 billion.
menjadi Rp141,5 miliar dari tahun sebelumnya yang
sebesar Rp103,8 miliar.
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Pertumbuhan bisnis merchant QRIS di tahun 2023 The growth of the QRIS merchant business in 2023
terus menapaki trend peningkatan. Seiring edukasi continued to trend upward. As public education on
masyarakat tentang transaksi digital yang semakin digital transaction became more widespread, the
meluas, maka Perseroan terus mengembangkan Company continued to develop its merchant base
basis merchant secara lebih luas, baik pada segmen more broadly, both in the Micro, Small and Medium
pemilik Usaha Mikro Kecil dan Menengah (UMKM), Enterprises (MSME) owner segment, as well as in
maupun pada jaringan pasar modern (mall), termasuk modern market networks (malls), including through
melalui kemitraan dengan berbagai platform digital. Di partnerships with various digital platforms. At the end
akhir tahun 2023, Perseroan mencatat pertumbuhan of 2023, the Company recorded growth in the number
jumlah merchant QRIS sebesar 45% (yoy) atau of QRIS merchants of 45% (yoy) or reached more than
mencapai lebih dari 1 juta merchant. Pertumbuhan 1 million merchants. The growth in QRIS transaction
frekuensi transaksi QRIS mencapai 711% (yoy) dan frequency reached 711% (yoy) and the growth in QRIS
pertumbuhan nilai transaksi QRIS sebesar 418% (yoy). transaction value was 418% (yoy).
Pada sisi permodalan, Perseroan telah menyelesaikan On the capital side, the Company has completed the
tahapan Right Issue ketiga di akhir Agustus 2023 third Rights Issue at the end of August 2023, which
yang menjadi tahapan penting dalam milestone was an important stage in the Company’s capital
permodalan Perseroan. Penguatan struktur milestone. Strengthening the capital structure is a
permodalan merupakan wujud komitmen Pemegang form of Shareholders’ commitment to support the
Saham untuk mendukung Perseroan dalam terus Company in continuing to grow as a commercial bank
bertumbuh sebagai bank umum yang memberikan that created a positive contribution to the national
kontribusi positif bagi perekonomian Nasional dalam economy in the long term.
jangka panjang.
Secara umum, Perseroan telah mencapai target In general, the Company has achieved the expected
kinerja yang diharapkan di tahun 2023. Jika performance target in 2023. If compared with the target,
dibandingkan dengan targetnya, maka pencapaian the achievement of Total Assets, Loan Distribution,
Total Aset, Penyaluran Kredit, Penghimpunan DPK TPF Collection and Net Profit achievement against
dan pencapaian Laba Bersih terhadap target berada the target was in the range of 100 to 115%.
pada kisaran 100 hingga 115%.
Pencapaian Perseroan tidak lepas dari hambatan The Company’s achievements could not be separated
dan tantangan. Salah satu tantangan di tahun 2023 from obstacles and challenges. One of the challenges
adalah dinamika atas permintaan suku bunga in 2023 was the dynamics of increasing demand for
simpanan yang meningkat akibat kenaikan BI Rate di deposit interest rates due to the increase in the BI Rate
kuartal IV. Hal ini membuat Perseroan dengan cermat in the fourth quarter. This made the Company carefully
melakukan pengelolaan suku bunga simpanan agar manage deposit interest rates so that cost of fund
beban bunga tidak melonjak, karena pada sisi lain, would not increase, because on the other hand, loan
suku bunga pinjaman tidak dengan serta merta interest rates could not immediately be increased.
dapat meningkat.
Expanding Capabilities Capturing Opportunities Expanding Capabilities Capturing Opportunities
“Expanding Capabilities Capturing Opportunities” “Expanding Capabilities Capturing Opportunities”
menurut kami tepat untuk menjadi tema Laporan in our opinion is appropriate as the theme of the
Tahunan Perseroan di tahun 2023 ini. Kami menyadari Company’s Annual Report in 2023. We realize that
bahwa meskipun kondisi regional dan global even though regional and global conditions still have
masih terdapat ketidakpastian yang menghantui uncertainty haunting the national economy, we still
perekonomian Nasional, kami tetap melihat beberapa see several business opportunities that we can exploit
peluang bisnis yang dapat kami manfaatkan secara optimally to support the Company’s business growth.
optimal guna menopang pertumbuhan usaha These opportunities include the home ownership loan
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Perseroan. Peluang-peluang tersebut antara lain market share which still has great potential, loan in
pada pangsa pasar kredit pemilikan rumah yang the micro segment through Kredit Usaha Rakyat
masih memiliki potensi yang besar, kredit pada (KUR), and opportunities in the SME segment, as well
segmen mikro melalui Kredit Usaha Rakyat (KUR), as medium and large commercial which can still be
dan peluang pada segmen UKM, serta medium and explored and developed. The Company continues
large commercial yang masih dapat terus digali dan to develop digital capabilities to be able to optimize
dikembangkan. Perseroan terus pengembangan opportunities for potential fee-based income,
kapabilitas digital untuk mampu mengoptimalkan especially from the merchant business, housing loan,
peluang-peluang pada potensi fee based income, supply chain financing and open banking services.
terutama dari bisnis merchant, layanan KPR, supply This digital capability will be one of the main catalysts
chain financing dan layanan open banking. Kapabilitas for the Company to be able to compete amidst the
digital ini akan menjadi salah satu katalis utama fierce competition in the banking industry.
bagi Perseroan untuk mampu bersaing di tengah
sengitnya persaingan industri perbankan.
Peranan Direksi dalam perumusan strategi dan The role of the Board of Directors in formulating
kebijakan strategis strategy and strategic policies
Direksi menyusun arahan besaran strategi Perseroan The Board of Directors formulated strategic directions
dalam upaya mewujudkan pertumbuhan di tahun for the Company in the effort to generate growth
2023. Arahan ini kemudian diterjemahkan oleh in 2023. These directions were then translated by
para pemimpin unit bisnis ke dalam perencanaan business unit leaders into more technical strategic
strategis yang lebih teknis, lengkap dengan planning, complete with the required budget. This
anggaran yang diperlukan. Perencanaan strategis strategic planning was then discussed with the Board
ini kemudian didiskusikan bersama Direksi untuk of Directors and then ratified as the Company’s
kemudian disahkan menjadi kebijakan strategis strategic policy. The Board of Directors periodically
Perseroan. Secara berkala Direksi melakukan conducted joint evaluations with business and non-
evaluasi bersama unit-unit bisnis dan non bisnis business units to monitor the Company’s performance
untuk memantau pencapaian kinerja Perseroan agar achievements in order to determine the necessary
dapat menentukan langkah-langkah perbaikan yang improvement steps.
diperlukan.
Penerapan Tata Kelola Usaha, Pengelolaan Risiko Implementation of Business Governance, Risk
& Pengendalian Internal Management & Internal Control
Direksi Perseroan senantiasa berupaya untuk The Company’s Directors always strive to improve
meningkatkan kualitas penerapan tata kelola the quality of implementing Good Corporate
usaha yang baik (Good Corporate Governance) Governance in every line of the organization. The
pada setiap lini organisasi. Perseroan menyadari Company realizes that commitment to business
bahwa komitmen pada pertumbuhan bisnis growth must be accompanied by a commitment to
harus dibarengi dengan komitmen dalam kualitas the quality of implementing business governance
penerapan tata kelola usaha yang juga terus which is also continuously improved. Together with
ditingkatkan. Bersama Dewan Komisaris, Direksi the Board of Commissioners, the Board of Directors
memastikan terpenuhinya aspek-aspek transparansi, ensures that aspects of transparency, accountability,
akuntabilitas, pertanggungjawaban, independensi responsibility, independence and fairness are met in
dan kewajaran dalam setiap kegiatan Perseroan, every Company activity, and pays consistent attention
dan memberi perhatian secara konsisten pada to increasingly adequate risk management, through
pengelolaan risiko yang semakin memadai, melalui regular monitoring of risk indicators and deciding
monitoring indikator-indikator risiko secara berkala on mitigation measures. required. The Company’s
dan memutuskan langkah-langkah mitigasi yang management also pays great attention to the
diperlukan. Manajemen Perseroan juga menaruh quality of internal control both at the head office and
perhatian besar pada kualitas pengendalian internal throughout the operational office network through
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baik di kantor pusat maupun di seluruh jaringan kantor monitoring steps for the implementation of policies
operasional melalui langkah-langkah monitoring and procedures and reviewing the relevance of the
atas implementasi kebijakan dan prosedur dan procedures that have been issued to the development
mengkaji relevansi prosedur yang telah diterbitkan of the Company’s operational activities.
tersebut dengan perkembangan aktivitas operasional
Perseroan.
Mendukung Pencapaian Tujuan Keberlanjutan Supporting the Achievement of Sustainability Goals
Perseroan juga senantiasa mendukung penuh The Company also continued to fully support the efforts
upaya Otoritas Jasa Keuangan dalam mendorong of the Financial Services Authority in encouraging
pelaku Industri Jasa Keuangan (IJK) untuk berperan Financial Services Industry to play an active role in
aktif dalam menerapkan prinsip-prinsip Keuangan implementing the principles of Sustainable Finance.
Berkelanjutan (sustainable finance). Perseroan telah The Company has prepared a Sustainable Financial
menyusun Rencana Aksi Keuangan Berkelanjutan Action Plan (RAKB) for the 2021-2025 period and is
(RAKB) untuk periode 2021-2025 dan berupaya untuk trying to realize this support through implementing
mewujudkan dukungan tersebut melalui penerapan policies that are in line with sustainability goals.
kebijakan yang selaras dengan tujuan keberlanjutan. In accordance with the 2023 RAKB, the Company
Sesuai dengan RAKB tahun 2023, maka Perseroan has completed priority steps including Sustainable
telah menyelesaikan langkah-langkah prioritas antara Finance HR Development, Preparation of Sustainable
lain Pengembangan SDM Keuangan Berkelanjutan, Finance Standard Operating Procedures; and
Penyusunan Prosedur Operasi Standard Keuangan Development of information technology systems and
Berkelanjutan; dan Pengembangan sistem teknologi reporting on Sustainable Finance.
informasi dan pelaporan tentang Keuangan
Berkelanjutan.
Penghargaan Award
Penghargaan bagi Perseroan merupakan salah satu Awards for the Company are an indicator that the
indikator bahwa perjalanan Perseroan telah berada Company’s journey is in the right direction. For
pada arah yang benar. Untuk itu setiap penghargaan this reason, each award will be an incentive for the
tersebut akan menjadi pemacu langkah Perseroan Company to be able to produce better performance
untuk mampu menghasilkan kinerja yang lebih in the future. Awards received by the Company
baik di masa datang. Penghargaan yang diterima throughout 2023 include: Warta Ekonomi Indonesia
Perseroan sepanjang tahun 2023 antara lain adalah: Best Digital Finance Awards 2023, Gold Winner The
Warta Ekonomi Indonesia Best Digital Finance Best Contact Center Indonesia (TBCCI) 2023, 28th
Awards 2023, Gold Winner The Best Contact Center Infobank Award 2023, Warta Ekonomi Indonesia
Indonesia (TBCCI) 2023, 28th Infobank Award 2023, Best Bank Awards 2023, Warta Ekonomi Indonesia
Warta Ekonomi Indonesia Best Bank Awards 2023, Digital Innovation Awards 2023, Anugerah Indonesia
Warta Ekonomi Indonesia Digital Innovation Awards Property&Bank Award XVII and Indonesia MyHome
2023, Anugerah Indonesia Property & Bank Award Award-VI, Warta Ekonomi Indonesia Excellence GCG
XVII dan Indonesia MyHome Award-VI, Warta Ekonomi Awards 2023, and Loan Market Annual Award 2023.
Indonesia Excellence GCG Awards 2023, dan Loan
Market Annual Award 2023.
Apresiasi Appreciation
Di bagian akhir laporan ini, perkenankan kami At the end of this report, allow us to express our
menyampaikan apresiasi kepada Pemegang appreciation to Shareholders for their full commitment
Saham atas komitmen penuh pada kemajuan to the progress and growth of the Company. The
dan pertumbuhan Perseroan. Direksi Perseroan Company’s Directors also expressed their gratitude to
juga menyampaikan terima kasih kepada Dewan the Board of Commissioners, committee members,
Komisaris, para anggota komite, para pemimpin work unit leaders, regional and office network leaders,
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unit kerja, para pemimpin regional dan jaringan as well as all Company employees for their solid
kantor, serta seluruh karyawan Perseroan atas kerja cooperation and intense coordination in realizing the
sama yang solid dan koordinasi yang intens dalam achievement of business targets throughout 2023.
mewujudkan pencapaian target bisnis sepanjang
tahun 2023.
Direksi Perseroan juga menyampaikan apresiasi yang The Company’s Directors also expressed their high
tinggi kepada Otoritas Jasa Keuangan – Tim Pengawas appreciation to the Financial Services Authority
Perbankan & Tim Pengawas Pasar Modal, Bank - Banking Supervisory Team & Capital Market
Indonesia, Bursa Efek Indonesia, Kustodian Sentral Supervisory Team, Bank Indonesia (The Central
Efek Indonesia dan SRO lainnya yang senantiasa Bank), Indonesian Stock Exchange, Indonesian
mendukung kegiatan dan langkah-langkah Perseroan Central Securities Depository and other SROs who
di tahun 2023 yang lalu. have always supported the Company’s activities and
steps in 2023.
Menutup laporan kami, perkenankan kami juga Closing our report, allow us to also humbly express
dengan rendah hati menyampaikan terima kasih our thanks to all the Company’s Customers, Debtors,
kepada seluruh Nasabah, Debitur, Mitra Strategis, Strategic Partners, Merchant Partners and users of
Mitra Merchant Perseroan dan pengguna produk the Company’s digital products and services who have
dan layanan digital Perseroan yang telah mendukung supported the Company in building quality banking
Perseroan dalam membangun produk dan layanan products and services, so that we can contribute
perbankan yang berkualitas, sehingga kami to improving the quality of welfare of the wider
dapat berkontribusi pada peningkatan kualitas community, especially MSMEs in Indonesia.
kesejahteraan masyarakat luas, khususnya para
pelaku UMKM di Indonesia.
Jakarta, 30 April 2024
Atas Nama Direksi
On Behalf of the Board of Directors
Suhaimin Djohan
Direktur Utama
President Director
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 31
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Prof. Adrianus Mooy, M.Sc., Ph.D
Komisaris Utama/Independen
President Commissioner/Independent
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Report from the Board of Commissioners
Dewan Komisaris melihat bahwa Direksi Perseroan
telah menunjukkan kinerja yang baik sepanjang
tahun 2023 dengan mengoptimalkan berbagai peluang
pasar untuk mengembangkan berbagai lini bisnis
Perseroan. Direksi memiliki komitmen yang tinggi untuk
terus berupaya melakukan penyempurnaan langkah-
langkah strategis guna mendorong terwujudnya
pertumbuhan yang berkualitas.
The Board of Commissioners saw that the Company’s
Directors have demonstrated good performance throughout
2023 by optimizing various market opportunities to develop
the Company’s various business lines. The Board of Directors
has the high commitment to continue to strive to perfect
strategic steps to encourage the realization of quality growth.
Pemegang Saham yang Terhormat, Dear Respected Shareholders,
Berikut ini kami sampaikan laporan pengawasan Below we present the Board of Commissioners’
Dewan Komisaris atas jalannya kegiatan usaha supervisory report on the Company’s business
Perseroan sepanjang tahun 2023. Dalam laporan activities throughout 2023. In this report, the
ini Dewan Komisaris Perseroan akan membahas Company’s Board of Commissioners will discuss
beberapa hal termasuk kondisi perekonomian several things including general national economic
Nasional secara umum di tahun 2023, kinerja Direksi conditions in 2023, the performance of the Company’s
Perseroan, fungsi pengawasan Dewan Komisaris, Directors, the supervisory function of the Board of
prospek usaha, penilaian kinerja komite-komite dan Commissioners, business prospects, evaluation of
hal-hal lain guna memberikan gambaran yang cukup the performance of committees and other matters in
lengkap tentang dukungan Dewan Komisaris kepada order to provide a fairly complete picture of support of
Direksi dalam mewujudkan pertumbuhan usaha yang the Board of Commissioners to the Board of Directors
berkelanjutan. in realizing sustainable business growth.
Kondisi Ekonomi Tahun 2023 Economic Conditions in 2023
Kita bersama mencatat bahwa tahun 2023 tidak We together noted that 2023 would not be free from
lepas dari tantangan ekonomi global yang masih global economic challenges that were still looming.
membayangi. Tak kurang dari potensi pelambatan There was no less than the potential for an economic
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LAPORAN MANAJEMEN
Management Report
LAPORAN DEWAN KOMISARIS
Report from the Board of Commissioners
ekonomi, peningkatan tensi geopolitik, risiko inflasi slowdown, increased geopolitical tensions, the
akibat meningkatnya harga pangan dunia, hingga risk of inflation due to rising world food prices, and
perubahan iklim. Namun demikian pertumbuhan climate change. However, national economic growth
ekonomi Nasional sepanjang tahun 2023 tetap throughout 2023 was still able to grow well at 5.05%.
mampu tumbuh baik di angka 5,05%. Beberapa Several economic observers saw that the quite
pengamat ekonomi melihat bahwa pertumbuhan impressive economic growth in 2023 was supported
ekonomi yang cukup impresif di tahun 2023 tersebut by the household consumption component which
ditopang oleh komponen konsumsi rumah tangga grew by 4.82% (yoy), as well as gross fixed capital
yang tumbuh sebesar 4,82% (yoy), serta pembentukan formation (PMTB) which reached 4.40% (yoy). In terms
modal tetap bruto (PMTB) yang mencapai 4,40% (yoy). of the business sector, the sector that experienced
Dari sisi lapangan usaha, sektor yang mengalami significant growth was the transportation and
pertumbuhan signifikan adalah sektor transportasi warehousing sector at 13.96% (yoy). Meanwhile, on the
dan pergudangan sebesar 13,96% (yoy). Sedangkan expenditure side, the highest growth was contributed
pada sisi pengeluaran, pertumbuhan tertinggi by consumption by household non-profit institutions
dialami oleh konsumsi lembaga non-profit rumah (LNPRT) at 9.83% (yoy). The well-maintained growth
tangga (LNPRT) sebesar 9,83% (yoy). Pertumbuhan in household consumption and PMTB, as well as the
konsumsi rumah tangga dan PMTB yang cukup increasing growth in the construction sector, were the
terjaga, serta meningkatnya pertumbuhan sektor impact of the government’s policies in stimulating
konstruksi merupakan dampak dari langkah the national economy, especially in the fourth quarter
pemerintah dalam menstimulasi perekonomian of 2023, such as stimulus for the housing sector
Nasional khususnya pada triwulan IV-2023 yang lalu, through the government-borne value added tax (VAT
seperti stimulus sektor perumahan melalui kebijakan DTP) policy and the provision of administrative cost
pajak pertambahan nilai ditanggung pemerintah subsidies for low-income housing (MBR), thickening
(PPN DTP) dan pemberian subsidi biaya administrasi social assistance (bansos) to mitigate El Nino and
bagi perumahan masyarakat berpenghasilan maintain purchasing power, as well as accelerating
rendah (MBR), penebalan bantuan sosial (bansos) the distribution of Kredit Usaha Rakyat (KUR) to
untuk mitigasi El Nino dan menjaga daya beli, serta strengthen micro, small and medium enterprises
akselerasi penyaluran kredit usaha rakyat (KUR) (MSMEs).
untuk penguatan usaha mikro, kecil, dan menengah
(UMKM).
Pertumbuhan Ekonomi (YoY) | Economic Growth
5,80%
5,60% 5,73%
5,40%
5,45%
5,20%
5,17%
5,00%
5,01% 5,01% 5,04% 5,04%
4,94%
4,80%
4,60%
4,40%
TW 1-2022 TW 2-2022 TW 3-2022 TW 4-2022 TW 1-2023 TW 2-2023 TW 3-2023 TW 4-2023
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Report from the Board of Commissioners
Pada sisi inflasi dan suku bunga acuan Bank On the inflation side and Bank Indonesia’s benchmark
Indonesia (BI-Rate), kita dapat melihat bahwa interest rate (BI-Rate), we can see that throughout
sepanjang tahun 2023, inflasi mengalami trend 2023, inflation experienced a downward trend from the
menurun dari level 5,28% di Januari menjadi 2,61% di level of 5.28% in January to 2.61% in December 2023.
Desember 2023. Namun demikian kita juga dapat However, we can also see that Bank Indonesia keeps
melihat bahwa Bank Indonesia menjaga tingkat suku the BI-Rate interest rate at 5.75% for 9 months and
bunga BI-Rate tetap di level 5,75% selama 9 bulan then raised it to 6% in October to December 2023. This
dan kemudian menaikkannya menjadi 6% di Oktober increase aimed to strengthen the Rupiah exchange
hingga Desember 2023. Kenaikan ini bertujuan untuk rate stabilization policy from the impact of increasing
memperkuat kebijakan stabilisasi nilai tukar Rupiah global uncertainty and as a pre-emptive and forward
dari dampak meningkat tingginya ketidakpastian looking steps to mitigate the impact on imported
global serta sebagai langkah pre-emptive dan goods inflation, so that inflation remains under control.
forward looking untuk memitigasi dampaknya Meanwhile, loose macro-prudential policies are
terhadap inflasi barang impor (imported inflation), strengthened by the effectiveness of implementing
sehingga inflasi tetap terkendali. Sementara itu, the Macro-prudential Liquidity Incentive Policy (KLM)
kebijakan makroprudensial longgar diperkuat dengan and reducing the Macro-prudential Liquidity Buffer
efektivitas implementasi Kebijakan Insentif Likuiditas (PLM) ratio to encourage credit/financing for national
Makroprudensial (KLM) dan menurunkan rasio economic growth.
Penyangga Likuiditas Makroprudensial (PLM) untuk
mendorong kredit/pembiayaan bagi pertumbuhan
ekonomi nasional.
BI Rate Vs Inflasi
7,00%
6,00%
5,00%
4,00%
3,00%
2,00%
1,00%
0,00%
Dec 20 Mar 21 Jun 21 Sep 21 Dec 21 Mar 22 Jun 22 Sep 22 Dec 22 Mar 22 Jun 22 Sep 22 Dec 22
Inflasi YoY BI Rate
Sementara itu, secara umum nilai tukar Rupiah Meanwhile, in general, the Rupiah exchange rate
terhadap US Dolar sepanjang tahun 2023 against the US Dollar throughout 2023 showed quite
menunjukkan tekanan yang cukup kuat sehingga strong pressure so that movements were mostly in the
pergerakannya lebih banyak berada di area antara area between Rp15,000 and Rp16,000 per USD both at
Rp15.000 dan Rp16.000 per USD baik di awal tahun the beginning of the year and in the middle to the end
maupun di pertengahan hingga akhir tahun. Hal ini of the year. This was more due to the strengthening
lebih disebabkan karena menguatnya mata uang US of the US Dollar globally as a result of the policy of
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 35
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LAPORAN MANAJEMEN
Management Report
LAPORAN DEWAN KOMISARIS
Report from the Board of Commissioners
Dollar secara global sebagai akibat dari kebijakan the US Federal Reserve central bank which is quite
bank sentral AS Federal Reserve yang cukup agresif aggressive in raising the benchmark interest rate. This
dalam menaikkan suku bunga acuan. Hal ini pushed the dollar to strengthen against the majority of
mendorong dolar menguat terhadap mayoritas mata world currencies because capital flows tended to flow
uang dunia karena aliran modal cenderung mengalir out (outflow) from countries in the world back towards
keluar (outflow) dari negara-negara di dunia kembali the US. However, at the end of 2023 the Rupiah could
menuju AS. Namun demikian, di akhir tahun 2023 return to stability at around Rp15,500 per USD.
Rupiah dapat kembali stabil di kisaran Rp15.500 per
USD.
Kurs Rupiah - USD | Rupiah Exchange Rate - USD
16.500
16.000
15.500
15.000
14.500
14.000
13.500
30 Dec 22
9 Jan 23
17 Jan 23
26 Jan 23
3 Feb 23
13 Feb 23
21 Feb 23
1 Mar 23
9 Mar 23
17 Mar 23
29 Mar 23
6 Apr 23
17 Apr 23
3 May 23
11 May 23
22 May 23
30 May 23
9 Jun 23
19 Jun 23
27 Jun 23
10 Jul 23
18 Jul 23
27 Jul 23
25 Jul 23
4 Aug 23
14 Aug 23
23 Aug 23
31 Aug 23
8 Sep 23
18 Sep 23
26 Sep 23
5 Oct 23
13 Oct 23
23 Oct 23
31 Oct 23
8 Nov 23
16 Nov 23
24 Nov 23
30 Nov 23
4 Dec 23
12 Dec 23
20 Dec 23
Dari indikator-indikator perekonomian yang dibahas From the economic indicators discussed above, it
di atas, dapat menggambarkan bahwa tahun 2023 can be seen that 2023 is a year with fairly good growth
adalah tahun dengan pertumbuhan yang cukup baik even though it is still overshadowed by challenges
meski tetap dibayangi oleh tantangan dari berbagai from various regional and global factors.
faktor regional dan global.
Penilaian Kinerja Direksi Board of Directors Performance Assessment
Jika dibandingkan dengan tahun 2022, kinerja Compared to 2022, the Company’s performance
Perseroan di tahun 2023 tampak jauh lebih baik. in 2023 appeared much better. The Board of
Dewan Komisaris melihat bahwa Direksi Perseroan Commissioners saw that the Company’s Directors
telah menunjukkan kinerja yang baik sepanjang tahun have demonstrated good performance throughout
2023 dengan mengoptimalkan berbagai peluang 2023 by optimizing various market opportunities
pasar untuk mengembangkan berbagai lini bisnis to develop the Company’s various business lines,
Perseroan, seperti pada segmen konsumer dan mikro, such as the consumer and micro segments, as well
serta pengembangan bisnis merchant. Rencana as merchant business development. The Bank’s
Bisnis Bank Tahun 2023 telah disusun dengan baik Business Plan for 2023 has been prepared well
dan secara komprehensif memperhatikan faktor- and comprehensively taking into account internal
faktor internal dan eksternal, dan pelaksanaannya and external factors, and its implementation was
dipantau dengan konsisten serta dilaporkan kepada consistently monitored and reported to the Board of
Dewan Komisaris secara berkala. Dewan Komisaris Commissioners periodically. Of course, the Board
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LAPORAN DEWAN KOMISARIS
Report from the Board of Commissioners
tentunya masih melihat adanya ruang evaluasi of Commissioners still saw room for evaluation and
dan perbaikan, namun kami melihat Komitmen improvement, but we saw the high commitment of
Direksi yang tinggi untuk terus berupaya melakukan the Board of Directors to continue to strive to perfect
penyempurnaan langkah-langkah strategis guna strategic steps to encourage the realization of quality
mendorong terwujudnya pertumbuhan yang growth.
berkualitas.
Dewan Komisaris mencatat bahwa Direksi secara The Board of Commissioners noted that the
konsisten menjalankan misi Perseroan dalam Board of Directors consistently carries out the
mendukung Usaha Mikro Kecil dan Menengah Company’s mission of supporting Micro, Small and
(UMKM) untuk tumbuh dan memiliki daya saing yang Medium Enterprises (MSMEs) to grow and have
tinggi. Penyaluran kredit pada segmen-segmen lain high competitiveness. Loan distribution in other
seperti konsumer dan medium and large commercial segments such as consumer and medium and large
juga menunjukkan kualitas pertumbuhan yang commercial also showed good quality growth with
baik dengan tingkat Non Performing Loan (NPL) the Non-Performing Loan (NPL) level maintained low.
yang terjaga rendah. Direksi Perseroan juga The Company’s Board of Directors also continues to
senantiasa mendorong awareness pada prinsip- encourage awareness of the principles of sustainable
prinsip keuangan berkelanjutan dan berupaya finance and strives to implement them through the
mengimplementasikannya melalui langkah-langkah steps outlined in the Sustainable Finance Action Plan.
yang tertuang dalam Rencana Aksi Keuangan
Berkelanjutan.
Pengawasan Implementasi Strategi Oversight of Strategy Implementation
Dewan Komisaris dalam melaksanakan fungsi In carrying out its supervisory function, the Board
pengawasannya, senantiasa membangun of Commissioners always built constructive
komunikasi yang konstruktif melalui pertemuan communication through regular meetings with the
berkala dengan Direksi guna membahas Board of Directors to discuss implementation and
implementasi dan evaluasi atas strategi bisnis yang evaluation of the business strategies that have been
telah dijalankan termasuk berbagai aspek dalam implemented, including various aspects of the Bank’s
tingkat kesehatan Bank. Dewan Komisaris yang soundness level. The Board of Commissioners,
dibantu oleh Komite Audit, Komite Pemantau Risiko assisted by the Audit Committee, Risk Monitoring
dan Komite Remunerasi dan Nominasi, senantiasa Committee and Remuneration and Nomination
memberikan berbagai masukan dan arahan yang Committee, always provided various input and direction
diperlukan agar implementasi strategi bisnis dapat needed so that the implementation of business
dilaksanakan dengan memperhatikan kualitas tata strategies can be carried out by paying attention to
kelola usaha dan manajemen risiko yang memadai. the quality of business governance and adequate
Dengan kualitas komunikasi yang baik antara Dewan risk management. With good quality communication
Komisaris dan Direksi, fungsi pengawasan atas between the Board of Commissioners and the Board
implementasi strategi oleh Dewan Komisaris pun of Directors, the supervisory function of strategy
dapat berjalan dengan baik dan membuahkan hasil implementation by the Board of Commissioners could
yang baik pula bagi kemajuan Perseroan. run well and produce good results for the Company’s
progress.
Prospek Usaha Business Prospect
Dengan melihat prospek pertumbuhan ekonomi By looking at the prospects for national economic
Nasional yang menunjukkan trend positif, Dewan growth which showed a positive trend, the Board
Komisaris melihat bahwa industri perbankan akan of Commissioners saw that the banking industry
tetap menjadi industri yang prospektif dalam jangka will remain a prospective industry in the long term.
panjang. Namun demikian, potensi pertumbuhan However, this growth potential must be accompanied
ini harus disertai dengan kemampuan untuk by the ability to adapt to changes in consumer
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LAPORAN MANAJEMEN
Management Report
LAPORAN DEWAN KOMISARIS
Report from the Board of Commissioners
menyesuaikan diri dengan perubahan pola perilaku behavior patterns that are increasingly developing,
konsumen yang semakin berkembang, seiring along with the rapid development of the digital world.
perkembangan dunia digital yang begitu pesat. The Board of Commissioners saw that the Company
Dewan Komisaris melihat bahwa Perseroan berupaya is working hard to take targeted strategic steps to be
keras untuk melakukan langkah-langkah strategis able to maintain its relevance in the banking industry.
yang terarah untuk mampu menjaga relevansinya The strengthening of capital that has been carried
di industri perbankan. Penguatan permodalan yang out has enabled the Company to build capabilities
telah dilakukan telah memampukan Perseroan in accordance with the business development
untuk membangun kapabilitas yang sesuai dengan strategy that has been prepared to take advantage
strategi pengembangan usaha yang telah disusun of existing market opportunities. Thus, the Board of
guna memanfaatkan peluang pasar yang ada. Commissioners believes that the Company still has
Dengan demikian, Dewan Komisaris percaya bahwa sustainable business growth prospects in the future.
Perseroan masih memiliki prospek pertumbuhan
usaha yang sustainable di masa datang.
Komitmen Penerapan Tata Kelola Commitment to Implementing Governance
Dewan Komisaris melihat bahwa Direksi Perseroan The Board of Commissioners saw that the Company’s
memiliki komitmen yang tinggi untuk membangun Directors have a high commitment to building the
kualitas tata kelola usaha yang baik dari waktu ke quality of good business governance from time to
waktu. Hal ini nampak dari konsistensi Direksi dalam time. This was seen from the consistency of the
memonitor setiap unsur tata kelola secara cermat Board of Directors in monitoring each element of
dan melakukan langkah perbaikan yang diperlukan, governance carefully and taking necessary corrective
baik pada Governance Structure, Governance Process steps in the Governance Structure, Governance
maupun Governance Outcome yang diharapkan. Process and the expected Governance Outcomes.
Dewan Komisaris percaya bahwa pertumbuhan The Board of Commissioners believes that the growth
volume bisnis yang dibarengi dengan kualitas tata in business volume coupled with the improving quality
kelola yang semakin baik akan dapat menjamin of governance will be able to guarantee the Company’s
kemampuan Perseroan dalam melanjutkan kegiatan ability to continue business activities in the long term
usaha dalam jangka panjang (going concern). (going concern).
Komposisi Anggota Dewan Komisaris & Direksi Composition of Members of the Board of
Commissioners & Directors
Pada Rapat Umum Pemegang Saham Tahunan At the Company’s Annual General Meeting of
Perseroan tanggal 15 Juni 2023, telah disetujui Shareholders on 15 June 2023, it was approved to
pengangkatan kembali dan penetapan susunan reappoint and determine the composition of the
anggota Direksi, anggota Dewan Komisaris dan members of the Board of Directors, members of
Komisaris Independen Perseroan dengan susunan the Board of Commissioners and Independent
sebagai berikut: Commissioners of the Company with the following
composition:
Dewan Komisaris Board of Commissioners
Komisaris Utama/Independen: President Commissioner/Independent:
Prof. Adrianus Mooy, M.Sc., Ph.D Prof. Adrianus Mooy, M.Sc., Ph.D
Komisaris Independen: Independent Commissioner:
Dewi Pandamsari (Dewi Pandansari), SH Dewi Pandamsari (Dewi Pandansari), SH
Komisaris Independen: Tjindrasa Ng Independent Commissioner: Tjindrasa Ng
38 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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LAPORAN DEWAN KOMISARIS
Report from the Board of Commissioners
Direksi Management
Direktur Utama: Suhaimin Djohan President Director: Suhaimin Djohan
Direktur: Januar Angkawidjaja Director: Januar Angkawidjaja
Direktur: Hendra Kurniawan Director: Hendra Kurniawan
Direktur: Andrian Meirawan Saputra Director: Andrian Meirawan Saputra
Masing-masing untuk masa jabatan terhitung sejak Each of them is for a term of office starting from the
Rapat tersebut ditutup sampai dengan penutupan closing of the Meeting until the closing of the third
RUPS Tahunan ketiga setelahnya, dengan tidak Annual GMS thereafter, without prejudice to the GMS
mengurangi hak RUPS untuk memberhentikan right to dismiss them at any time.
mereka sewaktu-waktu.
Penilaian Kinerja Komite selama Tahun 2023 Committee Performance Assessment during 2023
Dewan Komisaris dalam melaksanakan tugas In carrying out its supervisory duties, the Board
pengawasannya dibantu oleh komite-komite yang of Commissioners was assisted by committees
memberikan rekomendasi atas keputusan-keputusan which provide recommendations on the Board of
Dewan Komisaris sesuai bidang kompetensinya. Commissioners’ decisions in accordance with their
Dalam mengkaji laporan keuangan, penunjukan areas of competence. In reviewing financial reports,
Akuntan Publik dan kualitas pengendalian internal the appointment of a Public Accountant and the
Perseroan, Dewan Komisaris telah dibantu oleh quality of the Company’s internal control, the Board
Komite Audit yang sepanjang tahun 2023 telah of Commissioners has been assisted by the Audit
menunjukkan kinerja yang optimal. Pada pengelolaan Committee which throughout 2023 has demonstrated
risiko secara bankwide, Dewan Komisaris dibantu optimal performance. In bankwide risk management,
oleh Komite Pemantau Risiko, yang bersama-sama the Board of Commissioners was assisted by the
memonitor 8 indikator pengelolaan risiko secara Risk Monitoring Committee, which jointly monitored
menyeluruh, termasuk dalam menetapkan risk 8 overall risk management indicators, including
appetite dan risk tolerance Perseroan. Untuk kebijakan determining the Company’s risk appetite and risk
remunerasi, Komite Remunerasi dan Nominasi juga tolerance. For remuneration policy, the Remuneration
telah melaksanakan tugasnya dengan baik dalam and Nomination Committee has also carried out its
membantu Dewan Komisaris menetapkan kebijakan duties well in assisting the Board of Commissioners in
remunerasi bagi Perseroan. Atas kinerja komite- establishing remuneration policies for the Company.
komite tersebut di sepanjang tahun 2023, Dewan For the performance of these committees throughout
Komisaris menyampaikan terima kasih. 2023, the Board of Commissioners expressed its
gratitude.
Apresiasi Appreciation
Pada bagian akhir laporan ini perkenankan Dewan At the end of this report, allow the Board of
Komisaris menyampaikan apresiasi kepada Direksi Commissioners to express its appreciation to
dan seluruh karyawan Perseroan, atas kinerja dan the Board of Directors and all employees of the
dedikasinya bagi kemajuan Perseroan selama tahun Company, for their performance and dedication to the
2023. Dewan Komisaris juga berterima kasih kepada progress of the Company during 2023. The Board of
Pemegang Saham berkomitmen tinggi dalam Commissioners also thanks the Shareholders who are
mendukung langkah-langkah Perseroan. Kami juga highly committed to supporting the Company’s steps.
ingin mengapresiasi Tim Pengawas Otoritas Jasa We would also like to appreciate the Supervisory Team
Keuangan, Bank Indonesia, Bursa Efek Indonesia, of the Financial Services Authority, Bank Indonesia,
Kustodian Sentral Efek Indonesia dan regulator Indonesian Stock Exchange, Indonesian Central
pengawas Perseroan lainnya yang telah memberikan Securities Depository and other Company supervisory
dukungan, arahan, bimbingan, dan dorongan bagi regulators who have provided support, direction,
kemajuan Perseroan sepanjang tahun 2023. guidance and encouragement for the Company’s
progress throughout 2023.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 39
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LAPORAN MANAJEMEN
Management Report
Akhir kata, Dewan Komisaris mengucapkan terima Finally, the Board of Commissioners would like to
kasih atas kepercayaan seluruh Nasabah kepada thank all customers for their trust in the Company so
Perseroan sehingga Perseroan dapat tumbuh dan that the Company can grow and continue to develop,
terus berkembang, menyediakan berbagai produk dan providing various increasingly better products and
layanan yang semakin baik. Kami tentunya berharap services. We certainly hope that the Company can
bahwa Perseroan dapat mengemban kepercayaan ini carry out this trust well which will be seen in the
dengan baik yang akan nampak pada meningkatnya increasing quality of the Company’s products and
kualitas produk dan layanan Perseroan dari waktu ke services from time to time.
waktu.
Jakarta, 30 April 2024
Atas Nama Dewan Komisaris
On Behalf of the Board of Commissioners
Prof. Adrianus Mooy, M.Sc., Ph.D
Komisaris Utama/Independen
President Commissioner/Independent
40 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 43
Surat Pernyataan Anggota Dewan Komisaris dan Direksi Tentang Tanggung
Jawab atas Laporan Tahunan 2023 PT Bank Nationalnobu Tbk
Statement of Members of the Board of Commissioners and Board of Directors on the
Responsibility of the 2023 Annual Report of PT Bank Nationalnobu Tbk
Kami yang bertanda tangan di bawah ini menyatakan We the undersigned hereby declare that all information
bahwa semua informasi dalam Laporan Tahunan in the 2023 Annual Report of PT Bank Nationalnobu
PT Bank Nationalnobu Tbk Tahun 2023 telah dimuat Tbk has been presented completely and we are fully
secara lengkap dan bertanggung jawab penuh atas responsible for the truthfulness of the content of this
kebenaran isi Laporan Tahunan Perseroan. Annual Report. [GRI 2-12. 2-14]
[GRI 2-12. 2-14]
Demikian pernyataan ini dibuat dengan sebenarnya. This statement was made truthfully.
Jakarta, 30 April 2024 | Jakarta, April 30, 2024
Direksi
Board of Directors
Hendra Kurniawan Januar Angkawidjaja Andrian Meirawan Saputra
Direktur Direktur Direktur
Director Director Director
Suhaimin Djohan
Direktur Utama
President Director
Dewan Komisaris
Board of Commissioners
Dewi Pandamsari Tjindrasa Ng
Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner
Prof. Adrianus Mooy, MSc, PhD
Komisaris Utama/ Independen
President Commissioner/Independent
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 41
Page 44
PROFIL PERUSAHAAN
Company Profile
42 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 45
PROFIL
PERUSAHAAN
COMPANY
PROFILE
Di tahun 2023 Perseroan
menyelesaikan proses
penambahan modal
melalui Right Issue II dan
III sehingga memperkuat
posisi Perseroan
pada Kelompok Bank
berdasarkan Modal Inti
(KBMI) I.
In 2023, the Company completed the
process of increasing capital through
Rights Issue II and III, thus strengthening
the Company’s position in the Bank Group
based on Core Capital (KBMI) I.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 43
Page 46
PROFIL PERUSAHAAN
Company Profile
IDENTITAS PERUSAHAAN
Company Identity
Nama Kantor Pusat
Legal Name Head Office
PT BANK NATIONALNOBU Tbk Graha Lippo
Jl. Boulevard Diponegoro No. 101
Bidang Usaha Lippo Village, Tangerang 15810
Business Area Banten, Indonesia
Bank Umum Devisa Telp: +6221 5999 0000
Foreign Exchange Bank
Kepemilikan Tanggal pendirian
Shareholder Structure Date of Establishment
Per 31 Desember 2023 13 Februari 1990
As of December 31, 2023 February 13, 1990
Dasar Hukum Pendirian
Legal Establishment
Akta Pendirian Perusahaan No. 86, Tanggal 13 Februari 1990 Notaris di Jakarta, Drs. Entjoen Mansoer Wiriaatmadja, S.H.
Articles of Association No. 86, Tanggal 13 Februari 1990 Notaris di Jakarta, Drs. Entjoen Mansoer Wiriaatmadja, S.H.
Daftar Pemegang Saham
List of Shareholders
23,97% PT Putera Mulia Indonesia 8,02% PT Inti Anugerah Pratama
20,66% PT Prima Cakrawala Sentosa 6,90% OCBC Securities Pte Ltd
13,38% PT Star Pacific Tbk 5,73% Nomura Securities Co Ltd
9,73% PT Matahari Department Store Tbk 11,60% Masyarakat / Public
(Masing-masing kurang dari /Less than 5% each)
100,00% Total
Bursa Efek Kode Saham
Stock Exchange Stock Code
Bursa Efek Indonesia NOBU
Indonesia Stock Exchange
Layanan Nasabah Layanan Investor
Contact Center Investor Relations
Nobu Call: 1-500-278 corsec@nobubank.com
nobucall@nobubank.com
Tanggal Pencatatan Saham Kode Swift
Listing Date Swift Code
20 Mei 2013 NOBUIDJA
May 20, 2013
Laman Perseroan Akun Media Sosial
Corporate Website Social Media Account
www.nobubank.com
Nobu Bank @nobubank
44 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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IDENTITAS PERUSAHAAN
Company Identity
Jumlah Aset Laba Bersih
Total Assets Net Income
Rp
26.622 Rp
141,5
miliar miliar
billion billion
Jumlah Liabilitas
Total Liabilities
Rp
23.286
miliar
billion
Jumlah Ekuitas Jumlah Karyawan
Total Equity Number of Employee
Rp
3.335 miliar
billion 1.247
KEANGGOTAAN ASOSIASI
ASSOCIATION MEMBERSHIP
Pada saat laporan ini disusun, Perseroan adalah During the preparation of this report, the Company is
anggota beberapa asosiasi yaitu : members of several associations, namely:
1. Perhimpunan Bank-Bank Nasional (Perbanas) 1. Association of National Banks (Perbanas)
2. Asosiasi Sistem Pembayaran Indonesia (ASPI) 2. Indonesian Payment System Association (ASPI)
3. Asosiasi Emiten Indonesia (AEI) 3. Association of Indonesian Issuers (AEI)
4. Lembaga Alternatif Penyelesaian Sengketa 4. Alternative Institution for Dispute Resolution of
Perbankan Indonesia (LAPSPI) Indonesian Banking (LAPSPI)
5. Forum Komunikasi Direktur Kepatuhan Perbankan 5. Banking Compliance Director Communication
(FKDKP) Forum (FKDKP)
6. Asosiasi Emiten Indonesia 6. Indonesian Issuers Association
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 45
Page 48
PROFIL PERUSAHAAN
Company Profile
SEKILAS PERSEROAN
The Company at a Glance
Perseroan memiliki visi untuk menjadi bank berstandar global
yang mampu memberikan kontribusi positif bagi perbankan
dan perekonomian Nasional. Perseroan menyusun strategi
pengembangan usaha yang bertumpu pengembangan segmen
Usaha Mikro Kecil dan Menengah (Micro, Small & Medium
Enterprises) dan membangun kepercayaan Nasabah ritel secara
berkelanjutan.
The vision of the Company is to be a global standard Bank which can
contribute actively to the banking industry dan national economy. The
Company business strategy is established based on the development
of Micro, Small & Medium Business segment (Micro, Small & Medium
Enterprises) and constantly building consumer trust for the retail
segment.
46 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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SEKILAS PERSEROAN
The Company at a Glance
Perseroan didirikan pada tahun 1990 sebagai The Company was founded in 1990 as a Non-Foreign
Bank Umum Swasta Nasional (BUSN) Non Devisa. Exchange National Private Bank (BUSN). In 2010, PT
Pada tahun 2010, PT Kharisma Buana Nusantara, Kharisma Buana Nusantara, a company that is 99%
perusahaan yang 99% sahamnya dimiliki oleh Bapak owned by Mr. Mochtar Riady, acquired 60% of the
Mochtar Riady, mengakuisisi 60% saham Perseroan Company’s shares, which at the time had 4 branch
yang kala itu memiliki 4 kantor cabang. offices.
Perseroan memiliki visi untuk menjadi bank berstandar The vision of the Company is to be a global standard
global yang mampu memberikan kontribusi positif Bank which can contribute actively to the banking
bagi perbankan dan perekonomian Nasional. industry dan national economy. The Company
Perseroan menyusun strategi pengembangan usaha business strategy is established based on the
yang bertumpu pengembangan segmen Usaha development of Micro, Small & Medium Business
Mikro Kecil dan Menengah (Micro, Small & Medium segment (Micro, Small & Medium Enterprises) and
Enterprises) dan membangun kepercayaan Nasabah constantly building consumer trust for the retail
ritel secara berkelanjutan. segment.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 47
Page 50
PROFIL PERUSAHAAN
Company Profile
SEKILAS PERSEROAN
The Company at a Glance
Pada tahun 2013, dalam rangka memperkuat In 2013, in order to strengthen its capital structure, the
struktur permodalannya, maka Perseroan secara Company officially conducted a Initial Public Offering
resmi melakukan Penawaran Umum Perdana by releasing 52% of the Company’s shares to the
Saham dengan melepas 52% saham Perseroan public. Right on 20 May 2013, the Company listed on
kepada publik. Tepat pada 20 Mei 2013, Perseroan the Indonesia Stock Exchange as the 9th issuer of the
mencatatkan diri di Bursa Efek Indonesia sebagai year with the “NOBU” stock code.
emiten ke 9 tahun tersebut dengan kode saham
“NOBU”.
Tahun 2014, Perseroan telah memperoleh ijin untuk The Company has been granted its license to conduct
melakukan kegiatan usaha dalam Valuta Asing (Bank Foreign Exchange business activity (serve as Foreign
Devisa) sehingga Perseroan dapat melayani lebih Exchange Bank) in 2014, hence the Company can
banyak lagi kebutuhan nasabahnya. provide more services to its customers.
Di Tahun 2015 Perseroan memperkuat kelengkapan In 2015 the Company strengthened its range of
produk dan layanannya dengan produk berbasis products and services with Foreign Currency-based
valas dengan menjalankan aktivitas Bank Devisa. product by running Foreign Exchange Bank activity.
Selain itu, dalam rangka meningkatkan kualitas In addition, in order to boost the quality of e-channel
layanan e-channel, Perseroan kembali menambah services, the Company continued to add to its services
layanannya dengan diluncurkannya Corporate by the launching of Corporate Internet Banking,
Internet Banking, Server Based E-Money, Mobile Server-Based E-Money, Mobile Banking, and improved
Banking, dan peningkatan kualitas “chip” Card Based quality of “chip” Card- Based E-money.
E-money.
Pada tahun 2014 dan 2016 Perseroan melakukan In 2014 and 2016 the Company carried out Capital
Penambahan Modal Tanpa Hak Memesan Efek Without Pre-emptive Rights (PMTHMETD) in 2 stages
Terlebih Dahulu (PMTHMETD) dalam 2 Tahap yang aimed at strengthening the Company’s position as a
bertujuan untuk memperkokoh posisi Perseroan bank with BUKU category 2. The products and services
sebagai bank dengan kategori BUKU 2. Produk provided by the Company became more complete with
dan layanan yang disediakan Perseroan menjadi the presence of products such as Retail Government
semakin lengkap dengan hadirnya produk-produk Bond (ORI), mutual funds, and bancassurance are
seperti Obligasi Negara Ritel (ORI), reksa dana, dan marketed in the framework of wealth management.
bancassurance yang dipasarkan pada kerangka
pengelolaan kekayaan (wealth management).
Di tahun 2019, Perseroan menjadi salah satu In 2019, the Company was one of the Payment
Penyelenggara Jasa Sistem Pembayaran (PJSP) System Service Providers (PJSPs) who were active in
yang aktif dalam working group peluncuran QR Code the working group in the launching of the QR Code
Indonesian Standard (QRIS) oleh Bank Indonesia, dan Indonesian Standard (QRIS) by The Central Bank,
secara aktif mensosialisasikan penggunaan QRIS and actively promoting the use of QRIS as a universal
sebagai sarana pembayaran yang universal kepada means of payment to the wider community.
masyarakat luas.
Di tahun 2020 yang penuh tantangan akibat In 2020 which was full of challenges impacted by
merebaknya pandemi Covid-19, Perseroan the spread of Covid-19 pandemic, the Company
mempertegas komitmen untuk menghadirkan emphasizes its commitment to deliver digital-based
produk dan layanan berbasis digital dengan products and services by improving the quality of
menyempurnakan kualitas infrastruktur teknologi information technology infrastructure to make it
informasi agar semakin andal dan memadai more reliable and adequate in the efforts to adapt
48 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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SEKILAS PERSEROAN
The Company at a Glance
dalam upaya untuk menyesuaikan diri dengan to technological developments in the digital era.
perkembangan teknologi di era digital. Perseroan aktif The Company is actively joining the working group
dalam working group Standard Nasional Open API of National Open API Payment Standard (SNAP)
Pembayaran (SNAP) yang dibentuk Bank Indonesia established by Bank Indonesia as the Company’s
sebagai andil Perseroan dalam langkah digitalisasi effort in digitizing the National banking.
perbankan Nasional.
Tahun 2021 Perseroan masih menghadapi tantangan The Company remained facing the prolonged
pandemi yang belum juga berakhir. Sejalan pandemic in 2021. In line with the directives from the
dengan arahan Otoritas Jasa Keuangan, Perseroan Financial Services Authority, the Company continued
melanjutkan dukungan kepada dunia usaha melalui its supports by providing loan restructuring facilities,
penyediaan fasilitas restrukturisasi kredit, terutama particularly for business practitioners impacted by the
bagi pelaku usaha yang terdampak Covid-19. Covid-19. To strengthen capital structure, the Company
Perseroan di tahun 2021 melakukan Penambahan exercised Capital Increase without Pre-Emptive Rights
Modal dengan Hak Memesan Efek Terlebih Dahulu in 2021. Despite the economic uncertainties due to the
(PMHMETD) untuk memperkuat struktur permodalan. pandemic, as of the end of 2021 the Company was
Meski di tengah tantangan ketidakpastian ekonomi able to record positive growth, from Assets, Liabilities,
karena pandemi, Perseroan di akhir tahun 2021 masih and Net Income.
dapat mencatatkan pertumbuhan positif baik di sisi
Aset, Liabilitas, maupun Laba Bersih.
Meski pandemi sudah mulai mereda, tahun 2022 Although the pandemic has begun to subside, the year
tidak lepas dari berbagai tantangan yang dihadapi 2022 cannot be separated from the various challenges
Perseroan. Namun demikian Perseroan berhasil faced by the Company. Nevertheless, the Company
membukukan pertumbuhan Laba Bersih yang successfully recorded a fairly good Net Profit growth
cukup baik yang dihasilkan dari pengelolaan suku resulting from prudent interest rate management
bunga yang cukup prudent dan pengelolaan biaya and increasingly efficient cost management. In 2022,
yang semakin efisien. Perseroan di tahun 2022 the Company has fostered various collaborative
membangun berbagai langkah kolaborasi dengan measures with its strategic partners, particularly in
mitra-mitra strategis Perseroan terutama dalam expanding access to the public and small business
memperluas akses masyarakat dan pelaku usaha practitioners in digital banking services, focusing on
kecil pada layanan perbankan digital terutama QRIS-based payment services.
layanan pembayaran berbasis QRIS.
Di tahun 2023 Perseroan menyelesaikan proses In 2023, the Company completed the process of
penambahan modal melalui Right Issue II dan increasing capital through Rights Issue II and III, thus
III sehingga memperkuat posisi Perseroan pada strengthening the Company’s position in the Bank
Kelompok Bank berdasarkan Modal Inti (KBMI) Group based on Core Capital (KBMI) I. The Company
I. Perseroan melanjutkan fokus pengembangan continued to focus on business development,
usaha terutama pada segmen consumer, UMKM especially in the consumer, MSME and medium and
dan medium and large commercial serta berhasil large commercial segments, as well as successfully
mencapai pertumbuhan bisnis merchant yang cukup reached a significant merchant business growth
signifikan hingga mencapai lebih dari 1 juta merchant. which reached more than 1 million merchants.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 49
Page 52
PROFIL PERUSAHAAN
Company Profile
JEJAK LANGKAH
Milestones
• Perseroan memulai
aktivitas Bank Devisa di
Februari 2015 dan berhasil
diimplementasikan di
seluruh kantor Cabang.
• Perseroan meluncurkan
Corporate Internet Banking
(cashflow management),
• Perseroan melakukan Server Based E-Money,
Penawaran Umum Mobile Banking dan
Perdana Saham (Initial peningkatan kualitas chip
Public Offering) dan Card Based E-Money.
tercatat di Bursa Efek • Perseroan memiliki 89
Indonesia pada Tanggal 20 kantor yang tersebar di 45
Mei 2013 sebagai emiten kota di 27 provinsi di seluruh
ke-9 pada tahun tersebut Indonesia.
dengan kode saham • The Company initiated its
‘NOBU’. foreign exchange banking
• Perseroan memiliki 64 activity in February 2015
jaringan kantor yang and has successfully
tersebar di 31 kota di 19 implemented the system
provinsi di Indonesia. throughout the branch
Perseroan didirikan pada • The Company held Initial offices.
tanggal 13 Februari 1990 Public Offering and was • The Company launched its
sebagai Bank Umum listed on the Indonesia Corporate Internet Banking
Swasta Nasional (BUSN) Stock Exchange on 20 (cashflow management),
Non Devisa. May 2013 as the 9th issuer Server Based E-Money,
for the year with the stock Mobile Banking and
The Company was code ‘NOBU’. improved the quality of Card-
established on 13 • The Company had a Based E-Money chip.
February 1990 as National network of 64 offices in • The Company had 89 offices
Private (BUSN) Non- 31 cities in 19 provinces in in 45 cities in 27 provinces
Foreign Exchange Bank. Indonesia. throughout Indonesia.
1990 2010 2013 2014 2015 2016
• PT Kharisma Buana • Perseroan melakukan • Perseroan melakukan
Nusantara, yang 99% Penambahan Modal Tanpa penambahan Modal
sahamnya dimiliki oleh Hak Memesan Efek Terlebih Tanpa Hak memesan
Bapak Mochtar Riady Dahulu (PMTHMETD) Efek Terlebih Dahulu
mengakuisisi 60% saham pada 3 September 2014 (PMTHMETD) Tahap 2
Perseroan. guna memperkuat struktur pada 29 Februari 2016
• Perseroan pada saat itu permodalan. dalam rangka kembali
memiliki 1 kantor pusat • Memperoleh ijin untuk memperkuat permodalan
operasional dan 4 kantor melakukan kegiatan usaha Perseroan.
cabang. dalam valuta asing (Bank • Perseroan memiliki 102
Devisa) pada November 2014. kantor yang tersebar di
• PT Kharisma Buana Nu- • Perseroan memiliki 74 kantor 47 kota di 29 provinsi di
santara which is 99% yang tersebar di 38 kota di 26 seluruh Indonesia.
owned by Mr. Mochtar Ri- provinsi di seluruh Indonesia.
ady acquired 60% of the • The Company conducted
Company’s shares. • The Company conducted Capital Increase With-
• The Company at the time Capital Increase Without Pre- out Pre-emptive Rights
had one operational head- emptive Rights (PMTHMETD) (PMTHMETD) Phase 2 on
quarter and four branch on 3 September 2014 in order to 29 February 2016 in order
offices. strengthen its capital structure. to re-strengthen its capital
• The Company obtained the structure.
license to conduct business • The Company had 102
in foreign currencies (Foreign offices in 47 cities in 29
Exchange Bank) in November provinces throughout In-
2014. donesia.
• The Company had 74 offices
in 38 cities in 26 provinces
throughout Indonesia.
50 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 53
PERUBAHAN EMITEN
DAN PERUSAHAAN
PUBLIK YANG BERSIFAT
SIGNIFIKAN
• Perseroan melakukan
langkah Penambahan
Modal dengan Hak
Memesan Efek Terlebih
Dahulu (PMHMETD)-II yang
diselesaikan di awal tahun
2023.
• Perseroan melakukan
berbagai langkah kolaborasi
dengan mitra-mitra
strategis guna memperluas
akses masyarakat pada
• Perseroan menghadirkan layanan perbankan digital
Layanan Keuangan Tanpa Perseroan.
Kantor untuk Keuangan Inklusif Perseroan melanjutkan • Di akhir 2022, Perseroan
(Laku Pandai) dengan nama upaya dalam memiliki 117 kantor di 55
Nobu Bank 88 sebagai langkah meningkatkan kualitas. kota di 29 provinsi di seluruh
memperluas akses masyarakat Indonesia.
produk dan layanannya
terhadap layanan perbankan SIGNIFICANT CHANGES
yang sekaligus hadir bersama
dengan menyempurnakan
dengan Nobu ePay sebagai dukungan teknologi digital IN THE ISSUERS AND
sarana pembayaran non tunai. yang semakin andal dan PUBLIC COMPANIES
• Perseroan memiliki 114 kantor memadai untuk mampu • The Company carried out the
yang tersebar di 55 kota di 29 corporate action to Increase
sejajar dengan pelaku
provinsi di seluruh Indonesia. Capital with Pre-emptive
industri perbankan. Rights (PMHMETD)-II, which
• The Company presents was completed in early 2023.
Branchless Banking Services for The Company continues • The Company implemented
Financial Inclusion (Laku Pandai) its efforts to improve the various collaborative steps
under the name Nobu Bank 88 as quality of its products and with strategic partners to
a step to expand public access expand public access to the
services by enhancing
to banking services which at the Company’s digital banking
same time comes along with the support of digital
services.
Nobu ePay as a means of non- technology that is
• By the end of 2022, the
cash payments. increasingly reliable and Company operated 117
• The Company has 114 offices adequate to be able to offices in 55 cities and
spread across 55 cities in 29 keep pace with banking 29 provinces throughout
provinces throughout Indonesia. industry players. Indonesia.
2018 2019 2020 2021 2022 2023
• Perseroan memperluas PERUBAHAN EMITEN DAN PERUBAHAN EMITEN DAN
akses masyarakat PERUSAHAAN PUBLIK YANG PERUSAHAAN PUBLIK YANG
terhadap layanan BERSIFAT SIGNIFIKAN BERSIFAT SIGNIFIKAN [OJK C.6]
perbankan terutama • Perseroan menghadirkan • Perseroan menyelesaikan
dalam hal sarana NobuNEO, wajah baru mobile Penambahan Modal dengan Hak
pembayaran non banking milik Perseroan sebagai Memesan Efek Terlebih Dahulu
tunai seiring dengan salah satu tahapan transformasi (PMHMETD)-II dan III.
diluncurkannya QR digital yang tengah dikembangkan • Perseroan mengembangkan
Code Indonesian Perseroan. fasilitas Supply Chain Financing
Standard (QRIS). • Perseroan melakukan dan memperluas kerja sama
• Perseroan memiliki 116 penambahan modal melalui Right dalam penyediaan layanan
kantor yang tersebar di Issue Tahap I untuk memperkuat perbankan berbasis open banking
55 kota di 29 provinsi di struktur permodalan. (Bank as a Service).
seluruh Indonesia. • Per akhir 2021, Perseroan memiliki • Di akhir 2023, Perseroan memiliki
• The Company expands 117 jaringan kantor yang tersebar 119 kantor di 55 kota di 29 provinsi
public access to di 55 kota di 29 provinsi di seluruh di seluruh Indonesia.
banking services, Indonesia.
SIGNIFICANT CHANGES IN THE
especially in terms of SIGNIFICANT CHANGES IN THE ISSUERS AND PUBLIC COMPANIES
non-cash payment COMPANY [OJK C.6]
facilities in line with the • The Company presented NobuNEO, • The Company completed Capital
launch of the QR Code the new design of the Company’s Increase with Pre-emptive Rights
Indonesian Standard mobile banking as one of the stages (PMHMETD)-II and III.
(QRIS). of digital transformation that is • The Company developed Supply
• The Company has 116 being developed by the Company. Chain Financing facilities and
offices spread across • The Company raised capital through expanding cooperation in providing
55 cities in 29 provinces Right Issue Phase I to strengthen its banking services based on open
throughout Indonesia. capital structure. banking (Bank as a Service).
• By the end of 2021, the Company • By the end of 2023, the Company
had 117 office networks spread has 119 offices in 55 cities in 29
across 55 cities in 29 provinces provinces throughout Indonesia.
throughout Indonesia.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 51
Page 54
PROFIL PERUSAHAAN
Company Profile
VISI, MISI & NILAI PERUSAHAN &
BUDAYA PERUSAHAAN
Vision, Mission, Values & Corporate Culture
VISI MISI
Vision Mission
Menjadi bank 1. Menjalankan fungsinya sebagai Bank dalam menghimpun dan
dengan standar menyalurkan dana dengan memprioritaskan pelayanan kepada
Segmen Usaha Mikro Kecil dan Menengah (UMKM) dan Retail
global yang dapat
& Digital Consumer, dalam menunjang pembangunan ekonomi
memberikan
nasional dan membantu meningkatkan daya saing dan
kontribusi kompetensi dunia UMKM dalam era globalisasi serta era digital.
positif pada 2. Memberikan pelayanan prima kepada nasabah yang didukung
perekonomian tenaga kerja profesional dengan melakukan praktik tata kelola
dan perbankan perusahaan yang baik (Good Corporate Governance).
Indonesia serta
menjunjung tinggi
kepercayaan dan 1. To perform its function as a bank in collecting and distributing
kepuasan nasabah funds by prioritizing services to Micro Small and Medium
Enterprises (MSMEs) and Retail & Digital Consumer, in
To become a bank with supporting national economic development and to assist in the
global standard bank improvement of the competitiveness and competence of MSME
that is able to deliver in the era of globalization and digital era.
positive contribution 2. To deliver excellent services to customers by utilizing professional
to the economy and human resources who practice good corporate governance.
banking industry
in Indonesia while
upholding customer
trust and satisfaction.
NILAI-NILAI PERUSAHAAN
Corporate Values
• Trust & Integrity
• Stewardship
• Transformasi | Transformation
52 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 55
VISI, MISI & NILAI PERUSAHAN & BUDAYA PERUSAHAAN
Vision, Mission, Values & Corporate Culture
BUDAYA PERUSAHAAN
Corporate Culture
Perseroan memegang teguh Nilai-nilai Perusahaan yang diyakini dapat membawa
Perseroan pada visi dan misi yang hendak dicapai. Nilai-nilai Perusahaan tersebut
kemudian menjadi pedoman dalam berperilaku, membangun relasi dan komunikasi serta
menciptakan sinergi antar anggota organisasi dalam mencapai tujuan bersama. Secara
sadar perilaku anggota organisasi ini membentuk budaya perusahaan yang menjadi ciri
khas Perseroan yang tentunya berbeda dengan perusahaan lainnya. Budaya perusahaan
berakar pada kesamaan pandangan tentang arti penting integritas masing-masing
pribadi dalam membangun organisasi yang solid dan berkelanjutan. Dengan kesamaan
pandangan ini kemudian menghasilkan kesepakatan tak tertulis yang memperkuat pola
perilaku baik individu dalam organisasi maupun kelompok yang disebut sebagai budaya
perusahaan. Budaya perusahaan yang dikembangkan Perseroan terutama adalah budaya
yang mengutamakan kepercayaan, saling menghormati, menghargai pendapat orang lain,
mengutamakan pemecahan masalah, ketepatan waktu, kepatuhan dan integritas dalam
menjaga kerahasiaan data. Implementasi budaya perusahaan diteladankan oleh pimpinan
dalam setiap level yang diikuti oleh anggota tim/organisasi sehingga pada akhirnya perilaku
individu dan kelompok tersebut menyatu dan membentuk karakter Perseroan.
The Company upholds its Corporate Values which are believed could bring the Company to
achieve its vision and mission. Those Company values then become the guidelines on how
to behave and build relationship and communication as well as creating synergies between
members of the organization in achieving a common goal. Consciously, the behaviours of
members of the Company formed a corporate culture that characterizes and differentiates
the Company from other corporate cultures. The Company’s corporate culture is rooted in
a common view about the importance of integrity of each individual in building a solid and
sustainable organization. This common view then explicitly creates an unwritten agreement
that strengthens the behavioural patterns of both individuals within the organization and the
group which we referred to as the corporate culture. The corporate culture that the Company
developed primarily is a culture that promotes trust, mutual respect, respect the opinions of
others, prioritizing problem solving, timeliness, compliance and integrity in maintaining the
confidentiality of the data. The implementation of the corporate culture is exemplified by the
leaders at every level, followed by members of the team/organization and ultimately these
behaviours will unite & establish the character of the Company.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 53
Page 56
PROFIL PERUSAHAAN
Company Profile
KEGIATAN USAHA BERDASARKAN
ANGGARAN DASAR TERAKHIR
Business Activities Based on the Latest Articles of Association
A. Kegiatan Usaha Utama: A. Main Business Activities:
BANK UMUM KONVENSIONAL CONVENTIONAL COMMERCIAL BANKS
Menjalankan kegiatan usaha bank secara Performing conventional bank business activities, in-
konvensional, meliputi penghimpunan dana cluding collecting funds from the public in the form of
dari masyarakat dalam bentuk simpanan dan deposits and disbursing them to the public in the form
menyalurkannya kepada masyarakat dalam bentuk of loans and/or other forms, as well as organizing ser-
kredit dan/atau bentuk-bentuk lainnya, serta vice activities in payment systems.
menyelenggarakan kegiatan jasa dalam sistem
pembayaran.
B. Kegiatan Usaha Penunjang : B. Supporting Business Activities:
1. AKTIVITAS PERUSAHAAN HOLDING 1. ACTIVITY OF THE HOLDING COMPANY
Menjalankan kegiatan dari perusahaan holding Carrying out the activities of holding companies,
(holding companies), yaitu perusahaan yang which are companies that control the assets of a
menguasai aset dari sekelompok perusahaan group of subsidiaries and which main activity is
subsidiari dan kegiatan utamanya adalah ownership of the group. “Holding Companies” are
kepemilikan kelompok tersebut. “Holding not engaged in the business activities of its sub-
Companies” tidak terlibat dalam kegiatan usaha sidiaries.
perusahaan subsidiarinya.
2. DANA PENSIUN PEMBERI KERJA KONVENSIONAL 2. CONVENTIONAL PENSION FUND MANAGEMENT
Kegiatan usaha dana pensiun pemberi kerja yang The business activities of the employer’s pension
diselenggarakan secara konvensional, dengan fund are conventionally organized, with business
kegiatan usaha meliputi pengelolaan dana activities including the management of a pension
pensiun yang dibentuk oleh orang atau badan yang fund established by a person or entity that recruits
memperkerjakan karyawan, selaku pendiri, untuk employees, as founders, to organize a defined ben-
menyelenggarakan program pensiun manfaat efit pension plan or defined contribution pension
pasti atau program pensiun iuran pasti, bagi plan, for the benefit of some or all of its employees
kepentingan sebagian atau seluruh karyawannya as participants, which make it as obligations to the
sebagai peserta, yang menimbulkan kewajiban employer.
terhadap pemberi kerja.
3. DANA PENSIUN LEMBAGA KEUANGAN 3. PENSION FUNDS OF CONVENTIONAL
KONVENSIONAL FINANCIAL INSTITUTIONS
Kegiatan usaha dana pensiun lembaga keuangan The business activities of financial institutions’
yang diselenggarakan secara konvensional, pension funds are conventionally organized, with
dengan kegiatan usaha meliputi penyelenggaraan business activities including the implementation
program pensiun iuran pasti bagi perorangan, of defined contribution pension programs for in-
baik karyawan maupun pekerja mandiri yang dividuals, both employees and independent staffs
terpisah dari dana pensiun pemberi kerja bagi separate from the employer’s pension fund for
karyawan bank atau perusahaan asuransi jiwa employees of the bank or life insurance company
yang bersangkutan. concerned.
54 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 57
KEGIATAN USAHA BERDASARKAN ANGGARAN DASAR TERAKHIR
Business Activities Based on the Latest Articles of Association
Produk Simpanan I Savings Products
Rupiah I IDR • Nobu SimPel (Simpanan Pelajar/ Students’ Savings)
• Nobu Junior
• Nobu Savings
• Nobu Payroll
• Nobu Savings Plus
• Nobu Savings Plan
• Nobu RDN (Rekening Dana Nasabah/ Customer Fund Account)
• Anggota Bank Administrator Rekening Dana Nasabah mitra
Kustodian Sentral Efek Indonesia (KSEI), Rekening penampung
transaksi pembelian dan penjualan saham Nasabah melalui
perusahaan sekuritas. | Member of the Administrator Bank of the
Customer Fund Account, partner of the Indonesian Central Securities
Depository (KSEI), the account that holds the purchase and sale
transactions of the Customer’s shares via securities companies.
• Nobu Giro
• Nobu Deposito
Valuta Asing I Foreign Exchange • Nobu Giro Dollar (USD/SGD)
• Nobu Savings Dollar (USD/SGD/CNY/ AUD/EUR/HKD/JPY)
• Nobu Deposits Dollar (USD/SGD/CNY)
Nobu Bank88
• Penyelenggaraan Layanan Keuangan Tanpa • A service of Officeless Financial Services in the
Kantor dalam rangka Keuangan Inklusif (Laku context of Financial Inclusion (Laku Pandai) or
Pandai) sebagai bagian dari aktivitas inklusi Branchless Banking as part of financial inclusion
keuangan melalui mitra Perseroan (Agen). activities through the Company’s partners
(Agents).
• Saat ini layanan ini hadir di Kupang (Nusa • Currently this service is present in Kupang
Tenggara Timur); Jabodetabek; Cirebon dan (East Nusa Tenggara); Jabodetabek; Cirebon
sekitarnya; Giriroto - Boyolali dan sekitarnya, serta and its surroundings; Giriroto - Boyolali and its
di Malang, Jawa Timur. surroundings, and in Malang, East Java.
• Merupakan kerja sama keagenan dengan pihak • An agency cooperation with third parties
ketiga (Mitra Perseroan) dalam rangka melakukan (Company Partners) in acquiring savings
akuisisi rekening tabungan dan aktivitas accounts and delivering banking activities without
perbankan di luar kantor bank (branchless bank office (branchless banking)
banking).
• Layanan perbankan kepada Nasabah oleh Agen • Banking services provided by agents includes:
antara lain: pembukaan rekening, setor tunai, account opening, cash deposit, cash withdrawal,
penarikan tunai, pemindahbukuan, pembayaran overbooking, biller payment, transfer to another
(biller), transfer ke bank lain dan top up saldo bank and top up Nobu e-Pay balance (electronic
Nobu e-Pay (uang elektronik). money).
• Keuntungan yang diperoleh Agen antara lain: • Benefits for Agent includes: attractive savings
suku bunga tabungan menarik di 2% p.a.; jaminan rates at 2% p.a.; affordable deposit guarantees,
deposit yang terjangkau, penerimaan komisi commissions for Customer’s transactions
atas transaksi Nasabah (buka rekening, transfer (opening accounts, transfers and billers),
dan biller), komisi atas portofolio saldo rata-rata commissions on the customer’s average balance
nasabah serta penawaran Kredit Permodalan portfolio and Micro Business Development Loan
Usaha (KPU) atau Kredit Usaha Rakyat (KUR). (KPU) or People’s Micro Business Loan (KUR).
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 55
Page 58
PROFIL PERUSAHAAN
Company Profile
KEGIATAN USAHA BERDASARKAN ANGGARAN DASAR TERAKHIR
Business Activities Based on the Latest Articles of Association
Nobu ATM
• Informasi Saldo. • Balance inquiries.
• Pemindahbukuan antar rekening Nobu Bank. • Overbooking within Nobu Bank accounts.
• Penarikan Tunai. • Cash Withdrawals.
• Transfer Realtime Online (Jaringan Prima dan • Realtime Online Transfer (Prima Network and
Jaringan ATM Bersama). ATM BersamaNetwork).
• Transfer pembayaran Nobu Virtual Account • Nobu Virtual Account Payment Transfer
(Paramount, Meikarta dan lainnya). (Paramount, Meikarta and others).
• Pembayaran: Iuran Pengelolaan Lingkungan, TV • Bills Payment: Utilities, TV or Internet subscriptions,
atau Internet, Pendidikan, Tagihan Ponsel Pasca Education, Cellphone postpaid bills, Credit Card,
bayar, Tagihan Kartu Kredit, Telepon, Asuransi Phone bills, Health Insurance, Transportation, Tax,
Kesehatan, Transportasi, Pembayaran Pajak, ZIS/ ZIS/Zakat.
Zakat.
• Isi ulang pulsa prabayar (XL/Axis, Smartfren, • Prepaid Reload (XL/Axis, Smartfren, Telkomsel,
Telkomsel, Esia). Esia).
• Top Up Saldo Uang Elektronik (Nobu ePay dan • E-money balance top up (Nobu ePay and OVO).
OVO).
Nobu Debit
• Menggunakan chip base (NSICCS). • Use of chip base (NSICCS).
• Transaksi Belanja Debit Domestik Nasional di • National Domestic Debit payment transactions
seluruh EDC jaringan Gerbang Pembayaran through all National Payment Gateway (NPG)
Nasional (GPN). EDC machines.
• Transaksi Belanja Debit Mastercard di EDC • Debit Mastercard payment transactions through
anggota jaringan Mastercard untuk lingkup all Mastercard-integrated EDC machines for
internasional (Non domestic acquirer). international coverage (Non domestic acquirer).
Nobu Internet Banking – Personal
• Informasi Saldo, Cek Mutasi rekening. • Balance inquiries, check accounts mutation.
• Pemindahbukuan antar rekening Nobu Bank. • Overbooking within Nobu Bank accounts.
• Transfer Realtime Online (Jaringan Prima dan • Online Real Time transfer (PRIMA network and
Jaringan ATM Bersama). ATM BERSAMA network).
• Transfer SKN/LLG dan RTGS. • SKN/LLG and RTGS transfer.
• Pemindahbukuan dan transfer terjadwal. • Scheduled overbooking and transfer.
• Transfer pembayaran Nobu Virtual Account. • Nobu Virtual Account Payment Transfer.
• Konsolidasi Rekening dalam 1 nomor CIF. • Consolidated accounts in 1 CIF.
• Otorisasi dengan One Time Passcode (mPIN) dan • Authorization with one-time passcode (Mpin) and
static TPIN. static TPN.
• Notifikasi User ID terblokir via e-mail. • User ID blocked notification via email
• Fitur Pengingat Lupa User ID dan lupa Password. • User ID and Password recovery feature.
• Pembayaran tagihan: Iuran Pengelolaan • Bills Payment: Utilities, TV or Internet subscriptions,
Lingkungan, TV atau Internet, Pendidikan, Tagihan Education, Cellphone post-paid bills, Credit Card,
ponsel pasca bayar, Tagihan Kartu Kredit, Telepon, Phone bills, Health Insurance, Transportation.
Asuransi Kesehatan, Transportasi.
• Isi ulang pulsa prabayar. • Prepaid Reload.
• Top Up Saldo Uang Elektronik (OVO & Nobu ePay). • E-money balance top up (OVO & Nobu ePay).
• Pengaturan rekening pada 1 CIF untuk ditampilkan. • Accounts management to be displayed in 1 CIF.
• Fitur menu favorit dan limit transaksi (limit • Features of favourite menu and transactions limit
maksimal mengikuti ketentuan). (maximum limit according to T&C)
56 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KEGIATAN USAHA BERDASARKAN ANGGARAN DASAR TERAKHIR
Business Activities Based on the Latest Articles of Association
• Penyimpanan history resi transaksi sebelumnya • Storage of latest transactions history (last 10
(10 transaksi terakhir). transactions).
• Pengaturan Profil (penggantian e-mail, password, • Profile settings (changes in email, password, T-PIN,
T-PIN, bahasa, dan lainnya). language, etc.).
• Message Center (penyampaian saran dan keluhan • Message Centre (to relay customers’ suggestions
terhadap Perseroan). and/ or complaints towards the company).
Nobu Link (Internet Banking Corporate Cash Management)
• Informasi Saldo, Cek Mutasi rekening (Hari H dan • Balance inquiries (Same day and History), check
History). accounts mutation.
• Konsolidasi Rekening dalam 1 CIF dan beda CIF • Consolidation of accounts in 1 CIF and different
(dengan surat kuasa). CIF (with the submission of power of attorney).
• Pemindahbukuan antar rekening Nobu Bank. • Overbooking within Nobu Bank accounts.
• Pembayaran Virtual Account (Non Host to Host). • Virtual Account Payment (Non-Host to Host).
• Transfer Realtime Online (Jaringan Prima dan • Online Real Time transfer (PRIMA network and
Jaringan Bersama). BERSAMA network).
• Transfer SKN/LLG dan RTGS. • SKN/LLG and RTGS transfer.
• Mass Fund Transfer (pemindahbukuan dan • Mass Fund Transfer (overbooking & transfer of
transfer dalam jumlah massal). fund in mass amount).
• Pemindahbukuan dan transfer terjadwal. • Scheduled overbooking and transfer.
• Otorisasi Transaksi dengan Hard Token (VASCO). • Hard Token (VASCO) transactions authorization.
• Dual Control Approval, Mekanisme Control • Dual Control Approval, 3 Layers Transaction
Transaksi 3 Layer (Maker, Approver, dan Releaser). Control Mechanism (Maker, Approver, and
Releaser).
• Profile Management. • Profile Management.
• Pengaturan anggota dan hak pakai sesuai role. • Members setting and users’ right in accordance
with their roles.
• Pengaturan rekening (Multi CIF). • Accounts setting (multiple CIF).
• Pengaturan limit transaksi. • Transactions limit setting.
• Laporan transaksi dalam bentuk ringkasan dan • Transactions report in summary and details.
rincian.
• File sharing dengan dalam 1 Corporate ID. • File sharing in 1 Corporate ID.
Card Based E-Money
• E-Money menggunakan JAVA Card. • E-Money with JAVA Card.
• Informasi Saldo di EDC Top Up (Maksimal saldo • Balance inquiries in EDC Top up (maximum
Rp2 juta). balance Rp2 million).
• Ringkasan 10 transaksi terakhir. • Summary of 10 latest transactions.
• Kartu Java dapat digunakan untuk : • Java Card can be used for:
• Pembayaran administratif di UPH dan SPH. • Administrative payments in UPH and SPH.
• Belanja di Kantin SPH • Payments in UPH and SPH cafeteria.
• Pembayaran Perpustakaan di UPH dan SPH • Payments in UPH and SPH library.
Server Based e-Money
• Transaksi dengan QRIS di jutaan merchant • Transactions with QRIS in millions of merchants
bertanda QRIS. with QRIS signed.
• Pembayaran biller: BPJS, Token Listrik dan lain- • Biller payment: BPJS, Token Electricity and others.
lain.
• Informasi Saldo dan History Transaksi. • Balance inquiries and transactions history.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 57
Page 60
PROFIL PERUSAHAAN
Company Profile
KEGIATAN USAHA BERDASARKAN ANGGARAN DASAR TERAKHIR
Business Activities Based on the Latest Articles of Association
• Transfer realtime online (Jaringan Prima dan • Realtime online transfer (Prima and ATM Bersama
Jaringan ATM Bersama) Networks)
• Limit saldo untuk unregistered (pengguna • Balance limit for unregistered users (who have
yang mengunduh, memasang aplikasi dan downloaded, installed and registered the app) is
mendaftarkan diri) adalah Rp2 juta. Rp2 million.
• Limit saldo untuk registered (pengguna yang • Balance limit for registered users (who have
melengkapi data dari posisi unregistered) adalah completed data from “unregistered” position) is
Rp10 juta. Rp10 million.
• Akumulasi Top Up Rp20 juta per bulan per ID • Top Up accumulation of Rp20 million per month
e-Money. per ID e-Money.
• Login dengan Static Passcode atau finger print/ • Login with Static Passcode or finger print/ face ID.
face ID.
• Otorisasi Transaksi dengan PIN. • Transactions authorization with PIN.
• Profile Management. • Profile Management.
• Pendaftaran secara Online. • Online registration.
• Saldo dapat diisi ulang dari NOBUNEO atau • Balance top up from NOBUNEO or transfer.
melalui transfer.
• ID berupa nomor ponsel jika diisi ulang • The ID is cellphone number if top up by using
menggunakan NOBUNEO. NOBUNEO.
• ID berupa prefiks <6> + nomor ponsel jika diisi • The ID is prefix <6> + cellphone number if top up
ulang menggunakan eChannel Bank lain. using other Bank’s eChannel.
NOBUNEO
• Pembukaan Rekening Mandiri (e-KYC) • Self-Account Opening (e-KYC).
• Verifikasi Biometrik dan video call • Verification by biometric and video call.
• Login Biometrik • Login Biometric.
• Tabungan/Deposito/eWallet • Savings/Time Deposits/eWallet
• Virtual debit card (3DS) • Virtual debit card (3DS)
• Pembayaran dengan QRIS • Payment with QRIS
• Pembayaran Tagihan • Billing Payments
• Transfer antar Bank • Inter Bank Transfer
• Remittance (coming soon) • Remittance
• Top up Uang Elektronik • E-Money Top up
Nobu e-Statement
Layanan Pengiriman Rekening Koran melalui Sarana Bank account statement delivery service through
Media Elektronik berupa email secara Periodik electronic media (email) periodically (in a monthly
(bulanan) untuk Nomor Rekening yang sudah basis) to the registered account number in Nobu
terdaftar pada sistem Nobu Bank, dan terkunci Bank system which is already secured with password.
dengan Sandi Rahasia. Untuk memperoleh layanan To attain this service, customer shall first register at
ini, nasabah perlu mendaftarkan terlebih dahulu di Nobu branch.
cabang Nobu.
Nobu Wealth Management
• Reksa Dana (Mutual Funds): RD Cipta Dana Cash, • Mutual Funds: RD Cipta Dana Cash, RD Cipta
RD Cipta Dinamika, RD Cipta Bond dan Rencana Dinamika, RD Cipta Bond dan Rencana Cerdas
Cerdas (bermitra dengan Ciptadana Asset (partner with Ciptadana Asset Management) and
Management) dan Nobu Savings & Investment Nobu Savings & Investment Plan A,B & C.
Plan A,B & C.
58 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KEGIATAN USAHA BERDASARKAN ANGGARAN DASAR TERAKHIR
Business Activities Based on the Latest Articles of Association
• Asuransi: Hanwha Platinum Life Plan A (HPLP A), • Insurance: Hanwha Platinum Life Plan A (partner
Asuransi yang terkait dengan Produk Bank yaitu with Hanwha Life Indonesia), Insurance related to
Asuransi Jiwa Kredit dan Asuransi Kebakaran/ Bank’s Product such as Credit Life and General
Kerugian yang terdiri dari Citra Jiwa Proteksi Kredit Insurance with the product name Citra Jiwa Proteksi
Ultima (bermitra dengan Ciputra Life), Perisai Kredit Ultima (partner with Ciputra Life), Perisai
Jiwa Kredit (bermitra dengan Lippo Life), Asuransi Jiwa Kredit (partner with Lippo Life), Asuransi
Kebakaran (bermitra dengan LGI dan Jasindo), Kebakaran (partner with LGI and JASINDO),
Asuransi Autoprotection (bermitra dengan LGI). Asuransi Autoprotection (partner with LGI).
Kredit | Loans
Kredit Modal Kerja: Working Capital Loans:
• Kredit komersial dalam mata uang rupiah yang • Commercial loans in rupiah currency intended to
ditujukan untuk menunjang kebutuhan modal assist the needs of working capital or short-term
kerja atau likuiditas jangka pendek dalam rangka liquidity in order to support Customer’s business
mendukung kegiatan usaha Nasabah. activities.
• Kredit Modal Kerja diberikan dalam bentuk • Working Capital Loan is provided in a form of
Pinjaman Rekening Koran (PRK) atau demand Account Statement Loan or demand loans.
loan.
Kredit Investasi: Investment Loans:
• Kredit komersial dalam mata uang rupiah • Commercial loans in rupiah currency intended
yang ditujukan untuk menunjang kebutuhan to assist the needs of investment to support
investasi dalam rangka mendukung kegiatan Customer’s business activities such as purchase
usaha Nasabah seperti pembelian barang tidak of immovable goods, such as business venue, or
bergerak, seperti tempat usaha, mesin, atau business expansion.
ekspansi usaha.
• Kredit Investasi dalam bentuk Pinjaman Tetap • Investment loans in a form of Fixed Instalment
Angsuran (PTA). Loans (PTA).
• Pengembalian kredit jenis ini dilakukan dengan • The return of this loans is carried out with
angsuran sesuai jangka waktu yang telah instalment according to the agreed schedule.
disepakati.
Kredit Konsumsi: Consumer Loans:
a. Kredit Pemilikan Rumah (KPR) a. Mortgages Loans
• Kredit yang diberikan kepada karyawan, • Lending to employee, businessmen, and pro-
pengusaha dan profesional yang mempunyai fessional with fixed income for the purpose of
penghasilan tetap untuk tujuan kepemilikan ownership of housing, shop-office, home-office,
rumah tinggal, rumah toko (ruko), rumah kantor and apartment, which meets the Bank’s require-
(rukan) dan apartemen, yang memenuhi kriteria ments.
Bank.
• Plafon pinjaman yang diberikan disesuaikan • Loan ceiling is given according to the Bank’s ap-
dengan ketentuan Bank yang berlaku. plicable rules.
b. Kredit Pemilikan Mobil (KPM) b. Vehicles Loans
• Kredit yang diberikan kepada karyawan, • Lending to employee, businessmen, and profes-
pengusaha dan profesional yang mempunyai sional with fixed income for the purpose of own-
penghasilan tetap untuk tujuan kepemilikan ership of non-commerce vehicles specifically
kendaraan bermotor non niaga khususnya four-wheels car.
kendaraan penumpang roda empat (mobil).
• Plafon pinjaman yang diberikan disesuaikan • Loan ceiling is given according to the Bank’s ap-
dengan ketentuan Bank yang berlaku. plicable rules.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 59
Page 62
PROFIL PERUSAHAAN
Company Profile
JARINGAN DISTRIBUSI
Distribution Network
Medan
Binjai
Batam
Pekanbaru
Samarinda
Pontianak
Balikpapan
Padang
Jambi
Pangkal Pinang
Palangkaraya
Palembang Banjarmasin
Bengkulu
Lubuk Linggau
Lampung
Jabodetabek
Jatibarang
Serang
Cirebon
Karawang Kudus Kediri Gresik
Bogor Bandung
Semarang Solo Surabaya
Tasikmalaya Malang
Jember Denpasar
Yogya
Mataram
Sidoarjo
Perseroan memiliki 119 jaringan kantor yang tersebar di
55 kota di 29 provinsi di seluruh Indonesia.
60 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 63
Gorontalo
Ternate
Manado
Palu
Ambon
Kendari
Makassar
Labuhanbajo
Kupang
The Company has in place 119 office networks across 55
cities in 29 provinces in Indonesia.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 61
Page 64
PROFIL PERUSAHAAN
Company Profile
JARINGAN KANTOR
Office Networks
JABODETABEK
Jakarta - Atrium Senen Jakarta - Cibubur Junction Jakarta - Daan Mogot
Plaza Atrium, Hypermart Lt. LG Cibubur Junction Daan Mogot - Mall Matahari Daan Mogot
Jl. Senen Raya No. 35 Jl. Jambore No. 1 Cibubur Jl. Raya Daan Mogot KM 16.5
Jakarta Pusat 10410 Jakarta Timur 13720 Cengkareng, Jakarta Barat
Telp. (021) - 30033367 Telp. (021) - 87755149 Telp. 0815-10499223
Jakarta - Gajah Mada Tower Jakarta - Gajah Mada Tower Jakarta - Holland Village
Gajah Mada Tower, Gajah Mada Tower Lt. GF Unit G02 Lippo Tower Holland Village
Jl. Gajah Mada No. 19-26, Petojo Utara Jl. Gajah Mada No. 19-26, Petojo Utara Jl. Letjen Suprapto Kav. 60 No. 1
Gambir Jakarta Pusat 10130 Gambir Jakarta Pusat 10130 RT/RW 10/07 Cempaka Putih
Telp. 021 6343950 Telp. (021) - 6340331 Jakarta Pusat 10510
Fax. (021) - 6345836 Telp.0815 - 85362786
Jakarta - Kelapa Gading Boulevard Jakarta - Kemang Exion Mall Jakarta - Kemang Village
Jl. Kelapa Gading Boulevard Blok LB 3 Lippo Mall Kemang, Kemang Village Lippo Mall Kemang Unit GF-OD-11
No. 24 Kec, Kelapa Gading Lower Ground LG-06 Jl. Pangeran Antasari
Kel Kelapa Gading Timur 14240 Jl. Pangeran Antasari No. 36 Jakarta Selatan 12150
Telp. (021) - 29578491 Jakarta 12150 Telp. (021) - 29528505
Telp. (021) - 29056832 Fax. (021) - 29528411
Jakarta - Kramat Jati Indah Plaza Jakarta - Kuningan Jakarta - Lippo Mall Puri St Moritz
Kramat Jati Indah Plaza Lippo Kuningan Lippo Mall Puri ST Moritz
Jl. Raya Bogor Km. 19 Kramat Jati Jl. HR Rasuna Said Kav.B-12 Jl. Puri Indah Boulevard Blok U1
Jakarta Timur 13510 Jakarta Selatan 12940 Jakarta Barat 11610
Telp. (021) - 80879320 Telp. (021) - 29110093 Telp. 0815 - 10499006
Fax. (021) - 29110096
Jakarta - Lippo Puri Jakarta - MRCCC Jakarta - Office Thamrin
Lippo Mall Puri, Unit GF-96 Rumah Sakit Siloam MRCCC Jl. MH Thamrin Kav. 20
Jl Puri Indah Boulevard Blok U1 Jl. Garnisun Kavling 2-3 Karet Gondangdia, Menteng
Jakarta Barat 11610 Semanggi, Jakarta 12930 Jakarta Pusat 10350
Telp. (021) - 29111364 Telp. (021) - 57974066 Telp. 0815 - 8536 2719
Fax. (021) - 57952044
Jakarta - PIK Dua Jakarta - Plaza Semanggi Jakarta - Pluit Village Mall
Ruko Shibuya Boulevard No. 21 Plaza Semanggi Lt. UG Pluit Village Mall
(STB 021), PIK 2, Jl. Jendral Sudirman Kav. 50 Jl Pluit Indah Raya
Teluknaga, Banten Jakarta 12930 Jakarta Utara 14450
Telp. 0815 - 85362649 Telp. (021) - 25535127 Telp. (021) - 6684118
Fax. (021) - 25535130 Fax. (021) - 6683978
Jakarta - Pluit Village Satu Jakarta - Senayan Park Jakarta - Siloam Kbn jeruk
Pluit Village Mall Senayan Park Lt UG-76 Rumah Sakit Siloam Kebon Jeruk
Jl Pluit Indah Raya Taman Ria Senayan, Lobby Floor
Jakarta Utara 14450 Jl. Gerbang Pemuda No. 3 Jl. Raya Perjuangan Kav. 8 Jakarta 11530
Telp. (021) - 6684118 Jakarta Pusat 10270 Telp. (021) - 53663016
Fax. (021) - 6683978 Telp. 0815 - 10499201
Jakarta - Siloam Simatupang Jakarta - Tamini Square Bogor - Bellanova Sentul
R.S. Siloam Tb Simatupang Tamini Square Bellanova Country Mall
Jl. RA Kartini No. 8 Jl. Taman Mini Raya Jl. MH. Thamrin No. 8
Lebak Bulus Cilandak Garuda, Pinang Ranti Sentul - Bogor 16810
Jakarta Selatan 12440 Jakarta Timur 13560 Telp. (021) - 87923849
Telp. (021) - 75916990 Telp. (021) - 87787792 Fax. (021) - 87923851
Fax. (021) - 87787809
62 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 65
Bogor - Citra Grand Cibubur Bogor - Ekalokasari Bogor - Keboen Raya
Jl. Alternatif Cibubur No. KM. 4 Ekalokasari Plaza Lippo Plaza Keboen Raya
Jatikarya, Kec. Jatisampurna Jl. Siliwangi No. 123 Jl. Padjadjaran No. 39
Kota Bekasi, Jawa Barat 17435 Bogor 16142 Babakan, Bogor Tengah
Telp. 0815 - 85362514 Telp. (0251) - 8375550 Bogor, Jawa Barat 16128
Telp. 0815 - 8536 2492
Depok - Pesona Square Depok - Lippo Plaza Cinere Depok - Town Square
Hypermart Pesona Kahyangan Jl. Maribaya No. F3 Depok Town Square
Jl. Ir H. Juanda. No. 99 Puri Cinere Kel. Pangkalan Jati Jl. Margonda Raya No. 1
Depok, Jawa Barat Kec. Cinere Depok 16424
Telp. 0815 - 10499008 Kota Depok 16513 Telp. (021) - 78870133
Telp. 0815 - 8536 2823
Tangerang - Siloam Karawaci Tangerang - Gading Serpong Tangerang - Gedung Nobu Bank
R.S. Siloam Hypermart (d/h Gedung A UPH )
Jl. Siloam No. 6 - Lippo Karawaci Jl. Bulevard Gading Golf M5/2 Jl. M.H. Thamrin No. 2
Tangerang 15811 Pakulonan Barat, Lippo Village,Karawaci
Telp. 0815 - 8536 2931 Kelapa Dua, Tangerang Tangerang 15810
Telp. 0815 - 10499085 Telp. (021) - 54213028
Kantor Pusat Tangerang - Graha Lippo Tangerang - Hypermart LKU
Tangerang - Graha Lippo Gedung Graha Lippo Hypermart Cyber Park Karawaci
Jl. Bulevard Diponegoro 101 Jl. Boulevard Diponegoro No. 101 Jl. Sultan Falatehan
Lippo Village, Karawaci Unit GF 103 Karawaci Utara
Tangerang 15810 Lippo Village, Karawaci Tangerang 15811
Telp. (021) - 5999-0000 Tangerang 15810 Telp. 081585362686
Telp. 0815 - 85362679 Fax. 0815 - 85362686
Tangerang - Karawaci Dua Tangerang - Karawaci Satu Tangerang - Karawaci Tiga
Jl. Boulevard Palem Raya No. 7 Jl. Boulevard Palem Raya No. 7 Jl. Boulevard Palem Raya No. 7
Lippo Karawaci - Tangerang 15810 Lippo Karawaci - Tangerang 15810 Lippo Karawaci - Tangerang 15810
Telp. (021) - 5469328 Telp. (021) - 5469328 Telp. (021) - 5469328
Tangerang - Menara Matahari Tangerang - Metropolis Tangerang - Rempoa Raya
Jl. Boulevard Palem Raya No. 7 Mall Metropolis Town Square Jl. Rempoa Raya No. 36
Lippo Karawaci - Tangerang 15810 Jl. Hartono Raya Modern, Ciputat Timur - Tangerang Selatan
Telp. (021) - 5469328 Kelapa Indah - Tangerang Banten 15412
Fax. (021) - 5469329 Banten – Indonesia 15117, Telp. 08158 - 5362708
Telp. (021) - 55781552
Fax. (021) - 55781554
Tangerang - Ruko Pinangsia Tangerang - WTC Serpong Bekasi - Pondok Gede
Ruko Pinangsia Blok M 30 Mall WTC Matahari Serpong Jl. Raya Pondok Gede,
Karawaci Office Park Jl. Raya Serpong Ruko No. 5833 Jatiwaringin, Pondok Gede
Lippo Karawaci Tangerang 15326 Bekasi 17411
Tangerang 15811 Telp. (021) - 53158624 Telp. 0815 - 10499198
Telp. (021) - 5521215 Fax. (021) - 53158539
Bekasi - Blu Plaza Bekasi - Grand Mall Bekasi - Lippo Cikarang
Blu Plaza Grand Mall Bekasi Rumah Sakit Siloam
Jl. Chairil Anwar No. 27 - 36 Jl. Jendral Sudirman Jl. M.H. Thamrin Kav. 105
Bekasi 17113 Medan Satria Lippo Cikarang
Telp. (021) - 29085757 Bekasi 17143 Bekasi 17550
Telp. 0815 - 85362614 Telp. (021) - 89902715
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 63
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PROFIL PERUSAHAAN
Company Profile
Cikarang - Mall Lippo Cikarang Cikarang - Meikarta Distrik Dua Cikarang - Meikarta Distrik Satu
Mall Lippo Cikarang Meikarta Distrik Dua Jl. Orange County Boulevard, Cibatu,
Jl. MH Thamrin Jl. Orange County Boulevard Utara Cikarang Selatan,
Lippo Cikarang Cibatu Cikarang Selatan Kab Bekasi, Jawa Barat 41312
Bekasi 17550 Cikarang 17550 Telp. 0815 - 10499237
Telp. 0815 - 8536 2458 Telp. 0815 - 10499181
Cikarang - Orange County Cikarang - Pasar Central Karawang - Rolling Hills
MaxxBox Orange County Ruko ESB 10 Area Komersil Pacific Plaza South
Cikarang CBD Jl. Utama BIIE No. 1 Jl. Pacific Plaza Boulevard Karawang
Jl. OC Boulevard Utara, Kawasan Industri Hyundai Lippo No. 25, Karawang 41361
Orange County Business District Cikarang Telp. 0267 - 5267001
Bekasi 17550 Bekasi 17550
Telp. 0815 - 85362653 Telp. (021) - 29093081
Karawang - Tuparev Serang - Mall Of Serang
Jl. Tuparev No. 525 Mall Of Serang
Karawang, Jawa Barat 41312 Jl. Akses Tol Serang Timur Lingkar
Telp. (0267) - 8411636 Kemang Banten 42124
Fax. (0267) - 8412416 Telp. (0254) - 8483752
Fax. (0254) - 8490160
KANTOR WILAYAH INDONESIA TENGAH
REGIONAL OFFICES OF CENTRAL INDONESIA
Bali - Sun Set Bali Kuta Icon Bandung - Indah Plaza
LIPPO PLAZA SUNSET LIPPO MALL Kuta LG. 03A & LG 03C Mall Bandung Indah Plaza
Building Siloam Hospital Jl. Kartika Plaza Jl. Merdeka No. 56
Jl. Sunset Road Kuta – Badung, Bali 80361 Bandung 40115
Kuta, Badung Bali 80361 Telp. (0361) - 8978020 Telp. (022) - 4219744
Telp. (0361) - 768605 Fax. (022) - 4219747
Fax. (0361) - 768609
Bandung - Istana Plaza Bandung - Naripan Boyolali - Pandanaran
Mall Istana Plaza Lt. GF Unit A5 Jl. Naripan No. 101 Jl. Pandanaran No. 84
Jl. Pasirkaliki No. 121-123 Bandung 40112 Boyolali Jawa Tengah 57311
Bandung 40173 Telp. (022) - 4240351 Telp. (0276) - 320473
Telp. (022) - 6046737 Fax. (022) - 4240354 Fax. (0276) - 3281660
Fax. (022) - 6003317
Cirebon - Yos Sudarso Jember - Lippo Plaza Kediri - Town Square
Jl. Yos Sudarso No. 33 Lippo Plaza Jember Kediri Town Square
Kec. Lemahwungkuk Jl. Gajah Mada No. 175 Lantai Dasar Blok GF-42
Cirebon 45111 Jember 68131 Jl. Hasanudin No. 2
Telp. (0231) - 223631 Telp. (0331) - 5103878 Kediri 64121
Fax. (0231) - 225700 Fax. (0331) - 5103389 Telp. (0354) - 673908
Fax. (0354) - 673912
64 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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Kudus - Ahmad Yani Kupang - Lippo Plaza Labuan Bajo - RS Siloam
Jl. Jendral Ahmad Yani Lippo Plaza Kupang Rumah Sakit Siloam
Ruko KAI B 5 Jl. Veteran Fatululi Jl. Gabriel Gampur
Kudus 59318 Oebobo Kupang Labuan Bajo
Telp. (0291) - 2913006 Nusa Tenggara Timur 85111 Nusa Tenggara Timur 86754
Telp. (0380) - 8439145 Telp. (0385) - 2440023
Fax. (0385) - 2440028
Malang - Basuki Rahmat Malang - Batu Square Malang - Town Square
Jl. Jendral Basuki Rahmat No. 63A Lippo Plaza Batu Malang Town Square
Malang 65119 Jl. Diponegoro No. 1 Batu Jl. Veteran No. 2
Telp. (0341) - 369925 Malang 65314 Malang 65113
Fax. (0341) - 327856 Telp. (0341) - 2991232 Telp. (0341) - 571092
Fax. (0341) - 571091
Mataram - Pejanggik Pekalongan - Imam Bonjol Semarang - Gajah Mada
Jl. Pejanggik No. 30 Jl. Imam Bonjol No. 8 Jl. Gajah Mada No. 23
Kec. Cakranegara, Pekalongan 51113 Semarang 50133
Kel. Cakranegara Barat Mataram Telp. (0285) - 434191 Telp. (024) - 86400301
Telp. (0370) - 648009 Fax. (0285) - 4151626 Fax. (024) - 3542648
Fax. (0370) - 649195
Semarang - Kantor Wilayah Semarang - Siliwangi Sidoarjo - Lippo Plaza
Jl. Gajah Mada No. 23 Jl. Siliwangi Kav. 7 Lippo Plaza Sidoarjo
Semarang 50133 Semarang 50143 Jl. Jati Raya No. 1 Sidoarjo
Telp. (024) - 86570882 Telp. (024) - 7621299 Telp. (031) - 99010050
Fax. (024) - 86570881 Fax. (024) - 7627585 Fax. (031) - 99010052
Solo - Manahan Solo - Urip Sumoharjo Surabaya - Bukit Darmo Boulevard
Ruko Manahan Blok A Jl. Urip Sumoharjo Jl. Bukit Darmo Boulevard Kav. 11B
Jl. Adisucipto No. 8 Ruko Mesen Square No. 5 Surabaya 60226
Solo 57139 Purwodiningratan, Jebres Telp. (031) - 99148979
Telp. (0271) - 7452928 Surakarta 57129 Fax. (031) - 99147585
Fax. (0271) - 7465394 Telp. (0271) - 656698
Fax. (0271) - 661391
Surabaya - CITO Mall Surabaya Timur Tasikmalaya - Asia Plaza
Mall City of Tomorrow Ruko RMI Blok J No. 3 Komplek Plaza Asia Blok A 12 A
Jl. A.Yani No. 288 Unit GS 3 No. 1, 2, 3 Jl. Bratang Binangun Jl. KHZ. Mustofa No. 326
Surabaya 60234 Surabaya Tasikmalaya 46126
Telp. (031) - 58251260 Telp. (031) - 58283208 Telp. (0265) - 7528863
Yogya - Adisucipto
Lippo Plaza Yogja
Jl. Laksda Adisucipto No. 32-34
Yogyakarta 55001
Telp. (0274) - 2923847
Fax. (0274) - 2920596
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 65
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PROFIL PERUSAHAAN
Company Profile
KANTOR WILAYAH INDONESIA BARAT
REGIONAL OFFICES OF WEST INDONESIA
Batam - Penuin Bengkulu - Jendral Sudirman Jambi - Plaza Lippo
Komplek PT Penuin Blok F No. 7 Jl. Jenderal Sudirman No. 26 Jl. Mayor Abdul Kartawirana,
Kec. Lubuk Baja Kel. Batu Selicin Kec. Teluk Segara, Kel. Pintu Batu Talang Banjar,
Kepulauan Riau 29441 (sekarang Tengah Padang) Jambi Timur Budiman,
Telp. (0778) - 457 590 Bengkulu Jambi 36123
Fax. (0778) - 459 382 Telp. (0736) - 345258 Telp. (0741) - 5911604
Fax. ((0741) - 5911603
Lampung - Central Plaza Lampung - Laksamana Malayati Lubuklinggau - Lippo Plaza
Central Plaza Lampung Jl. Laksamana Malayati No. 32 Gedung Lippo Plaza Lubuklinggau
Jl. Kartini No. 21 Lampung 35224 Jl. Yosudarso Taba Jemekeh,
Tanjung Karang Pusat, Telp. (0721) - 476231 Lubuklinggau Timur I,
Bandar Lampung 35216 Kota Lubuklinggau
Telp. (0721) - 250216 Sumatera Selatan 31613
Fax. (0721) - 240598 Telp. (0733) - 3283903
Medan - Kantor Wilayah Medan - Lippo Plaza Medan - Medan Fair Plaza
Gedung Lippo Plaza Medan Lippo Plaza Medan Plaza Medan Fair, 1st Floor,
Jl. Imam Bonjol No. 6 Jl. Imam Bonjol No. 6 Jl. Jendral Gatot Subroto No. 30
Medan 20112 Medan, 20112 Medan 20113
Telp. (061) - 80511105 Telp. (061) - 80511101 Telp. 0815 - 10499185
Fax. (061) - 80511107 Fax. (061) - 80511104
Medan - Palladium Medan - Plaza Medan fair Medan - Sun Plaza
Mall Grand Palladium Plaza Medan Fair Sun Plaza Medan
Jl. Kapten Maulana Lubis No. 8 Unit Jl. Jendral Gatot Subroto No. 30 Jl. H. Zainul Arifin No. 7
No. GE 2 No.7 dan 8 Medan 20113 Medan 20152
Medan 20112 Telp. (061) - 4140948 Telp. (061) - 4501672
Telp. (061) - 4520045 Fax. (061) - 4140949 Fax. (061) - 4501670
Fax. (061) - 4520023
Padang - Pondok Palembang - Icon Palembang - Square
Jl Pondok No. 114B Palembang Icon lantai 1 Unit No 70 Palembang Square Mall R.118 dan R.119
Padang 25119 Jl. Angkatan 45 / POM IX Jl. Angkatan 45/POM IX
Telp. (0751) - 810260 Palembang 30137 Palembang 30137
Fax. (0751) - 810300 Telp. (0711) - 5649435 Telp. (0711) - 380012
Pangkal Pinang - Jendral Sudirman Pekanbaru - Riau Bisnis Center
Jl. Jendral Sudirman No. 19 & 20 Riau Bisnis Center
Kel. Gedung Nasional (Komplek Pertokoan Riau Plaza)
Kec. Taman Sari Blok A-3
Pangkal Pinang 33127 Pekanbaru 28292
Telp. (0717) - 432602 Telp. (0761) - 44195
Fax. (0761) - 43822
66 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KANTOR WILAYAH INDONESIA TIMUR
REGIONAL OFFICES OF EAST INDONESIA
Ambon - Siloam Hasanudin Ambon - AJ Patty Balikpapan - Ahmad Yani
Jl. Sultan Hasanuddin, Tantui, Jl. AJ Patty, Jl. Ahmad Yani No 16 A
Kel. Hative Kecil, Kec. Sirimau Kota Kel: Honipopu, Kec: Sirimau Kel. Karang Rejo,
Ambon. Maluku Ambon 97116 Kec. Balikapapan Tengah
Telp. 0815 - 10499219 Telp. (0911) - 349873 Balikpapan 76124
Telp. (0542) - 8800962
Banjarmasin - Ahmad Yani Gorontalo - Business Park Kendari - Lippo Plaza
Jl. Jendral Ahmad Yani KM 1 No. 16 Jl. Hos Cokroaminoto Lippo Plaza Kendari
Banjarmasin 70233 Ruko Blok C No. 22 Jl. MT Haryono No. 61 - 63
Telp. (0511) - 3269318 Business Park Gorontalo, Kendari
Fax. (0511) - 3269330 Kel. Heledulaa Selatan, Telp. (0401) - 3196358
Kec. Kota Timur, Kota Gorontalo Fax. (0401) - 3196366
Telp. (0435) - 8592480
Makassar - Rolling Hills Makassar - Tanjung Bunga Manado - Calaca
Jl. Pacific Plaza 5 No. 8 Jl. Metro Tanjung Bunga Jl. Sisingamangaraja No. 81
Rolling Hills, Kel. Maccini Sombala (Daeng Patompo) Kav. 9 Manado 95121
Kec. Tamalate, Makassar 90125 Telp. (0431) - 865340
Makassar 90224
Telp. (0411) - 3984005
Manado - Kantor Wilayah Manado - Lippo Plaza Kairagi Manado - Piere Tendean
Manado Aryaduta Lippo Plaza Kairagi Jl. Piere Tendean Boulevard No. 22
Jl. Piere Tendean No. 22 Jl. AA Maramis - Kairagi Kompleks Hotel Aryaduta
Manado 95111 Manado 95254 Manado 95111
Telp. (0431) - 8883322 Telp. (0431) - 7210158 Telp. (0431) - 8883196
Palangkaraya - Cilik Riwut Palu - Jendral Sudirman Pontianak - Ahmad Yani
Jl. Cilik Riwut KM 1 No. 34 Jl. Jendral Sudirman No. 5 Ahmad Yani Megamall
Palangkaraya 73112 Palu 94111 Jl. Ahmad Yani
Telp. (0536) - 3247136 Telp. (0451) - 454708 Pontianak 78122
Fax. (0451) - 454707 Telp. (0561) - 761630
Pontianak - Ir. H Juanda Samarinda - Ahmad Yani Ternate - Jatiland
Jl. Ir. H Juanda No. 24 Jl. Ahmad Yani I No. 21 Samarinda Kawasan Bisnis Jatiland
Kel. Darat Sekip Telp. (0541) - 748675 Ruko No. 10 Kel. Gamalama
Kec. Pontianak Kota Kec. Kota Ternate Tengah
Pontianak 78117 Ternate 97721
Telp. (0561) - 574070 Telp. (0921) - 3127240
Fax. (0921) - 3126567
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 67
Page 70
PROFIL PERUSAHAAN
Company Profile
STRUKTUR ORGANISASI
Organizational Structure
ORGANIZATION STRUCTURE
PT BANK NATIONALNOBU TBK
Board of Commisioner
President Director
• Risk Management Committee
• Credit Committee
• Information Technology Committee
• Asset & Liabilities Committee (ALCO)
• Bank’s Products & Activities Committee
• Project Management Office
Internal Audit Division Head
Technology Compliance, Risk Chief
Finance, Treasury &
& Innovation Management & Operating
Corporate Planning Director Director Human Resource Director Officer
Head of
SME & Head of
Commercial Consumer
Lending
Treasury & SME & Cyber, Data
Corporate Information Protection & Risk Human
Financial Commercial Central Credit Operation
Planning Technology Product Risk Management Resources
Institution Lending Group Head Group Head
Group Head Group Head Assurance Group Head Group Head
Group Head Group Head Group Head
Corporate SME & IT Solution Consumer Retail & Micro
Financial Product Cybersecurity Credit Risk HR Credit Division
Planning & Architecture &
Special Administration Business - Operation Loan
Management Institution Governance Risk Division Management Management
Lending Develope Division Region I Division Head Processing
Reporting Division Head Division Head Head Division Head Division Head
Division Head Division Head Division Head Head Division Head Division Head
Market Liquidity,
IT Consumer
General Financial Commercial Cyber & Integrated HR Brunch Quality Project
Core System Risk
Credit Control Business
Services Control Lending Risk Division Engagement Assurance Management
& Services Management Division Head - Region II
Division Head Division Head Division Head Head Division Head Division Head Division Head
Division Head Division Head Division Head
Operational Portfolio Customer
Branch Data Protection
Regulatory IT Application HR Handling
Property Office & Product Risk Credit Review Management
Reporting & Services Risk Assurance
Development Management
Support Management Division Head & Collection & SQ
Division Head Division Head Division Head Division Head
Division Head Division Head Division Head Division Head
IT Governance, Credit
Procurement Compliance & Processing
Collection &
Security & Special Unit Loan and
Planning Recovery
Division Head Division Head
Division Head Division Head
Loan Service
Legal
Center
Division Head
Division Head
Product &
Business
Development
Division Head
68 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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STRUKTUR ORGANISASI
Organizational Structure
• Audit Committee
• Risk Monitorong Committee
• Remuneration & Nomination
Chief
Business
Officer
Head of Branch
Head Sales & Head
Transformation Head of
Distribution of Synergy & & Special Strategy
Group Head Ecosystem Project
Regiobal Regiobal Regiobal Liabilities &
Regiobal Bank as a Supply Chain Core Synergy & Corporate
Business Head Business Head Business Head Wealth
Business Head Service (Baas) (Asset) Group Development Communication
West Central East Management Group Head
Jabodetabek Group Head Head Head
Indonesia Indonesia Indonesia Group Head
Banking Principal & Beyond Core Corporate
Liabilities
Sales (Asset) Area Area Service Client Synergy Secretary &
Business Investor Relation
Division Head Head 1 Head 2 Growth Acqusition Development
Division Head Division Head
Division Head Division Head Head
Consumer
Funding Wealth Product Brand Marketing
Business Ecosystem
Growth Management Development Communication
- Region II Head Division Head
Division Head Division Head Division Head
Division Head
Credit
Branch Branch Branch Branch Branch Branch
Processing
Manager Manager Manager Manager Manager Manager
Division Head
Central Java, Jakarta,
East Java, Bali, Sulawesi,
Jakarta Bogor,
Sumatera Nusa Tenggara, Maluku, Jakarta
Bandung, Tangerang Cikarang,
Kalimantan
Cirebon Depok
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 69
Page 72
PROFIL PERUSAHAAN
Company Profile
PROFIL DEWAN KOMISARIS
Board of Commissioners’ Profile
Prof. Adrianus Mooy, M.Sc., Ph.D.
Komisaris Utama/Independen
Ketua merangkap Anggota Komite Audit
Anggota Komite Pemantau Risiko
Ketua merangkap Anggota Komite Remunerasi & Nominasi
President Commissioner/Independen
Chairman concurrently member of Audit Committee
Member of Risk Monitoring Committee
Chairman concurrently member of Remuneration &
Nomination Committee
Warga Negara Indonesia, lahir di Rote pada tahun 1936, Indonesian citizen, born in Rote in 1936, obtained
memperoleh gelar Bachelor of Science dari Fakultas Bachelor of Science from the Faculty of Economics,
Ekonomi Universitas Gajah Mada pada tahun 1958, Gajah Mada University in 1958, Master of Science from
gelar Master of Science dari University of Wisconsin University of Wisconsin Department of Economics in
Department of Economics di Madison, Wisconsin, Madison, Wisconsin, USA in 1960 and PhD from University
Amerika Serikat pada tahun 1960 dan gelar PhD dari of Wisconsin Department of Economics in Madison,
University of Wisconsin Department of Economics di Wisconsin, USA in 1966.
Madison, Wisconsin, Amerika Serikat pada tahun 1966.
Diangkat sebagai Komisaris Utama/Independen He was appointed as President Independent
Perseroan berdasarkan hasil keputusan Rapat Umum Commissioner of the Company based on the resolution
Pemegang Saham Tahunan (RUPST) Perseroan pada of the Annual General Meeting of Shareholders (AGMS) of
tanggal 24 Juli Tahun 2020 dengan masa jabatan yang the Company on 23 July 2020 with the term of office which
berakhir pada penutupan RUPST Perseroan ketiga ends at the closing of the third AGMS of the Company
setelah diangkat. after his appointment.
Memulai karir di Fakultas Ekonomi Universitas Gajah Started his career at the Faculty of Economics, Gajah
Mada sebagai Asisten Dosen (1958-1959), pada LEKNAS Mada University as Teaching Assistant (1958-1959),
(Lembaga Ekonomi dan Kemasyarakatan Nasional LEKNAS - National Economic and Social Institute -
– LIPI sebagai Peneliti (1965-1966), Fakultas Ekonomi LIPI as Researcher (1965-1966), Faculty of Economics,
Universitas Gajah Mada sebagai Dosen (1965-1969), Gajah Mada University as Lecturer (1965-1969), Faculty
Fakultas Ekonomi Universitas Indonesia sebagai Dosen of Economics, University of Indonesia as Lecturer
(1966-1969), Perguruan Tinggi Ilmu Statistik/ PTIS (1966-1969), College of Statistical Science/ PTIS as
sebagai Dosen (1967), Kantor Menteri Utama Ekonomi Lecturer (1967), Ministry of Economy and Finance as
dan Keuangan sebagai Pd Kepala Bagian Statistik Head of Statistical Department (1967-1968), National
(1967-1968), Badan Perencanaan Pembangunan Development Planning Agency (Bappenas) as Head of
Nasional (Bappenas) sebagai Kepala Biro Keuangan Domestic Finance (1968-1969), United Nations Economic
Dalam Negeri (1968-1969), United Nations Economic Commission for Asia and the Far East (UN-ECAFE) as
Commission for Asia and the Far East (UN-ECAFE) Associate Economic Affairs Officer (1969-1973), Bappenas
sebagai Associate Economic Affairs Officer (1969-1973), as Deputy Chairman of Fiscal and Monetary Affairs (1973-
Bappenas sebagai Deputi Ketua Bidang Fiskal dan 1988), Faculty of Economics, University of Indonesia as
Moneter (1973-1988), Fakultas Ekonomi Universitas Lecturer (1973-1993), Defense Staff College (SESKO) of
Indonesia sebagai Dosen (1973-1993), Sekolah Staf Armed Forces as Lecturer (1976-1977), the Coordinating
Komando (SESKO) ABRI sebagai Dosen (1976-1977), Ministry for the Economy, Finance and Industry (MENKO-
Kementerian Koordinator Ekonomi, Keuangan dan EKUIN) of the Republic of Indonesia as Assistant to
Industri (MENKO-EKUIN) Republik Indonesia sebagai the Coordinating Minister for Monetary Affairs (1978-
70 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 73
PROFIL DEWAN KOMISARIS
Board of Commissioners’ Profile
Asisten Menko Bidang Moneter (1978-1983), Lembaga 1983), the Institute of National Defense (LEMHANAS)
Pertahanan Nasional (LEMHANAS) sebagai Dosen as Lecturer (1980-1981), the People’s Consultative
(1980-1981), Majelis Permusyawaratan Rakyat (MPR) Assembly (MPR) and the Working Committee of MPR
dan Badan Pekerja MPR-RI sebagai Anggota (1982- as Member (1982-1992), Committee 11 Broad Outline of
1992), Panitia 11 GBHN sebagai Anggota (1982), Dewan State Policy (Committee of 11 GBHN) as Member (1982),
Moneter sebagai Sekretaris (1983-1988), Kementerian the Monetary Board as Secretary (1983-1988), Ministry
Negara Perencanaan Pembangunan Nasional sebagai of National Development Planning as Assistant Minister
Asisten Menteri bidang Pembiayaan Pembangunan for Development Financing (1985-1988), Committee 9
(1985-1988), Panitia 9 GBHN sebagai Anggota (1987), Broad Outline of State Policy (Committee of 9 GBHN)
Fakultas Ekonomi Universitas Indonesia sebagai as Member (1987), Faculty of Economics, University
Profesor/Guru Besar Luar Biasa (1987), Bank Indonesia of Indonesia as Professor of Economics (1987), Bank
(BI) sebagai Gubernur (1988-1993), Dewan Moneter Indonesia (BI) as Governor ( 1988-1993), the Monetary
sebagai Anggota (1988-1993), International Monetary Board as Member (1988-1993), International Monetary
Fund (IMF) sebagai Gubernur untuk Indonesia (1988- Fund (IMF) as Governor for Indonesia (1988-1993),
1993), Multilateral Investment Guarantee Agency (MIGA) Multilateral Investment Guarantee Agency (MIGA) as
sebagai Gubernur Pengganti untuk Indonesia (1988- Alternate Governor for Indonesia (1988-1993), Asian
1993), Asian Development Bank (ADB) sebagai Gubernur Development Bank (ADB) as Alternate Governor for
Pengganti untuk Indonesia (1988-1993), Kementerian Indonesia (1988-1993), Ministry of Foreign Affairs of the
Luar Negeri Republik Indonesia sebagai Duta Besar Luar Republic of Indonesia as Ambassador Extraordinary
Biasa dan Berkuasa Penuh untuk Uni Eropa (1993-1995), and Plenipotentiary to the European Union (1993-1995),
United Nations Economic and Social Commission for Asia United Nations Economic and Social Commission for
and the Pacific (UN-ESCAP) sebagai Under-Secretary Asia and the Pacific (UN-ESCAP) as Under-Secretary
General/Executive Secretary (1995-2000), South East General/Executive Secretary (1995-2000), South
Asian Central Banks (SEACEN) Center sebagai Chief East Asian Central Banks (SEACEN) Center as Chief
Consultant (2001), United Nations Support Facility for Consultant (2001), the United Nations Support Facility for
Indonesian Recovery (UNSFIR) sebagai Senior Advisor Indonesian Recovery (UNSFIR) as Senior Advisor (2004-
(2004-2005), ADB sebagai Institutional Advisor (2006- 2005), ADB as Institutional Advisor (2006-2007), Bank of
2007), BI sebagai Anggota Pewawancara Fit and Proper Indonesia as Member of the Team of Interviewers for Fit
Test (2006-2008), Forum Masyarakat Statistik sebagai and Proper Test (2007-2010), the Statistical Community
Anggota (2007-2018), ABFI Institute Perbanas sebagai Forum as Member (2007-2018), Asian Banking, Finance
Chair Professor (2007-2009), PT Strategic Asia sebagai and Informatics/ABFI Institute, Jakarta as Chair
Partner/Direktur (2007-2010), Universitas Pelita Harapan Professor (2007-2009), PT Strategic Asia as Partner/
sebagai Senior Advisor/Mentor (2007-sekarang), PT Lippo Director (2007-2010), Pelita Harapan University as Senior
Karawaci Tbk sebagai Komisaris Independen (2007- Advisor/ Mentor (2007-present), PT Lippo Karawaci Tbk
2011), PT Matahari Putra Prima Tbk sebagai Komisaris as Independent Commissioner (2007-2011), PT Matahari
Independen (2007-2013). Fakultas Bisnis Universitas Putra Prima Tbk as Independent Commissioner (2007-
Pelita Harapan Karawaci sebagai Pj. Dekan (2010), PT 2013), Faculty of Business, Pelita Harapan University
Strategic Asia sebagai Member of Advisory Council (2010- Karawaci as Dean (2010), PT Strategic Asia as Member
2017) dan Universitas Pelita Harapan Surabaya sebagai of Advisory Council (2010-2017) and Pelita Harapan
Rektor (2010-2018). University Surabaya as Chancellor (2010-2018).
Pada periode tahun buku 2020, yang bersangkutan During the fiscal year of 2020, he attended Refreshment
mengikuti Refreshment Sertifikasi Manajemen Risiko: of Risk Management Certification: Effective Credit
Restrukturisasi dan Penyelamatan Kredit yang Efektif Restructuring and Recovery to Improve Bank
guna Meningkatkan Kinerja Bank yang diselenggarakan Performance held by Risk Management Certification
oleh Badan Sertifikasi Manajemen Risiko (BSMR). Board (BSMR).
Pada periode tahun buku 2021 yang bersangkutan During the fiscal year of 2021, he participated in the
mengikuti Refreshment Pelatihan Pemanfaatan Refreshment of Training on the Utilization of Population
Data Kependudukan Untuk Layanan Perbankan, Data for Banking Services, organized by the Company
diselenggarakan oleh Perseroan bersama Direktorat together with the Directorate General of Population and
Jenderal Kependudukan dan Pencatatan Sipil. Civil Registration.
Yang bersangkutan tidak memiliki hubungan Afiliasi He does not have any affiliation with fellow members
dengan anggota Dewan Komisaris lainnya maupun of the Board of Commissioners, nor with the Major
Pemegang Saham Utama. Shareholders.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 71
Page 74
PROFIL PERUSAHAAN
Company Profile
PROFIL DEWAN KOMISARIS
Board of Commissioners’ Profile
Tjindrasa Ng
Komisaris Independen
Anggota Komite Audit
Ketua merangkap Anggota Komite Pemantau Risiko
Anggota Komite Remunerasi & Nominasi
Independent Commissioner
Member of Audit Committee
Chairman concurrently member of Risk Monitoring Committee
Member of Remuneration & Nomination Committee
Warga Negara Indonesia, lahir di Indrapura pada Indonesian citizen, born in Indrapura in 1957, holds a
tahun 1957, meraih gelar Bachelor of Commerce di Bachelor of Commerce in Accounting & Finance from
bidang Akuntansi & Keuangan dari University of New the University of New South Wales, Sydney, Australia.
South Wales, Sydney, Australia.
Diangkat sebagai Komisaris Independen Perseroan He was appointed as Independent Commissioner of
berdasarkan hasil keputusan Rapat Umum the Company based on the resolution of the Annual
Pemegang Saham Tahunan (RUPST) Perseroan pada General Meeting of Shareholders (AGMS) of the
tanggal 24 Juli Tahun 2020 dengan masa jabatan yang Company on Jul 24, 2020 with the term of office which
berakhir pada penutupan RUPST Perseroan ketiga ends at the closing of the third AGMS of the Company
setelah diangkat. after his appointment.
Mengawali karir di bidang keuangan di PT Bank Pan He started his career in financial sector at PT Bank
Indonesia Tbk (Panin Bank), PT Stephens Utama Pan Indonesia Tbk (Panin Bank), PT Stephens Utama
International Leasing, kemudian di Bank Perniagaan International Leasing, then at Bank Perniagaan
Indonesia (Lippo Bank) dengan menempati berbagai Indonesia (Lippo Bank) with various positions in
posisi di bidang perkreditan. Menjabat sebagai the field of credit. He was appointed as a Director at
Direktur Lippo Bank sejak tahun 1994 hingga 2008 Lippo Bank since 1994 until 2008 in various areas,
pada berbagai area terutama bidang credit risk especially in the areas of credit risk management,
management diantaranya Direktur Central Credit, such as Director of Central Credit, Director of Small
Direktur Small Medium Enterprises & Corporate Medium Enterprises & Corporate Banking, Director
Banking, Direktur Risk Management, Direktur of Risk Management, Director of Business Risk, and
Business Risk, dan terakhir Commercial Banking lastly Commercial Banking Director when Lippo Bank
Director saat Lippo Bank merger dengan PT Bank merged with PT Bank CIMB Niaga.
CIMB Niaga.
Telah mengikuti beberapa seminar, pelatihan dan He has attended several seminars, trainings and
kursus yang diselenggarakan berbagai lembaga courses organized by various institutions such as
antara lain Intermediate Credit Seminar, Banking Intermediate Credit Seminar, Banking Management
Management Seminar, Credit Analysis Seminar, Seminar, Credit Analysis Seminar, Executive Risk
Workshop Executive Risk Management Certification Management Certification Program Workshop,
Program, Workshop Practical Credit Portfolio in Asia, Practical Credit Portfolio in Asia Workshop, Managing
72 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 75
PROFIL DEWAN KOMISARIS
Board of Commissioners’ Profile
Managing Risk & Consumer Credit, Asian Business Risk & Consumer Credit, Asian Business Banker
Banker Study Tour, Premier Business Management Study Tour, Premier Business Management Program,
Program, Executive Risk Management Refreshment Executive Risk Management Refreshment Program,
Program, Foreign Exchange Risk – BSMR Refreshment Foreign Exchange Risk – BSMR Refreshment
Program, Refreshment Sertifikasi Manajemen Risiko: Program, Refreshment of Risk Management
Optimalisasi Pengelolaan Risiko Hukum Dampak Certification: Optimization of Legal Risk Management
Restrukturisasi Kredit yang diselenggarakan oleh Impact of Credit Restructuring held by Management
Badan Sertifikasi Manajemen Risiko (BSMR), dan Risk Certification Board (BSMR), and during the
pada periode tahun buku yang bersangkutan telah fiscal year he attended the Refreshment of Risk
mengikuti Refreshment Sertifikasi Manajemen Risiko: Management Certification: Digital Transformation
Digital Transformation and its implication on Risk and its implications on Risk Management, held by
Management yang diselenggarakan oleh Kovida. Kovida.
Yang bersangkutan tidak memiliki hubungan Afiliasi He does not have any affiliation with fellow members
dengan anggota Dewan Komisaris lainnya maupun of the Board of Commissioners nor with the Major
Pemegang Saham Utama. Shareholders.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 73
Page 76
PROFIL PERUSAHAAN
Company Profile
PROFIL DEWAN KOMISARIS
Board of Commissioners’ Profile
Dewi Pandamsari
Komisaris Independen
Anggota Komite Audit
Anggota Komite Pemantau Risiko
Independent Commissioner
Member of Audit Committee
Member of Risk Monitoring Committee
Warga Negara Indonesia, lahir di Solo pada tahun Indonesian citizen, born in Solo in 1961, completed Law
1961, menyelesaikan Sarjana Hukum di Universitas Degree in University of Brawijaya, Malang, and Notarial
Brawijaya Malang, dan Spesialis Notariat, Program Specialist, Post-Graduate Program in University of
Pasca Sarjana Universitas Indonesia, Jakarta. Indonesia, Jakarta.
Diangkat sebagai Komisaris Independen Perseroan She was appointed as Independent Commissioner of
berdasarkan hasil keputusan Rapat Umum the Company based on the resolution of the Annual
Pemegang Saham Tahunan (RUPST) Perseroan pada General Meeting of Shareholders (AGMS) of the
tanggal 24 Juli Tahun 2020 dengan masa jabatan yang Company on 24 July 2020 with the term of office which
berakhir pada penutupan RUPST Perseroan ketiga ends at the closing of the third AGMS of the Company
setelah diangkat. after her appointment.
Mengawali karir perbankan dengan bekerja sebagai Started her banking career as a Legal Officer at Lippo
Legal Officer di Lippo Bank sejak tahun 1989. Bank in 1989. She then went on to hold various positions
Selanjutnya menapaki berbagai jenjang jabatan such as Legal Division Head, Legal Group Head, and
antara lain Legal Division Head, Legal Group Head, dan the latest being Compliance & Legal Group Head.
terakhir Compliance & Legal Group Head. Selanjutnya Thereafter since 2010 held Business Legal & Litigation
sejak tahun 2010 menjabat Business Legal & Litigation Group Head position at PT Bank CIMB Niaga Tbk and
Group Head di PT Bank CIMB Niaga Tbk dan berbagai various positions and assignments such as Corporate
jabatan dan penugasan seperti Corporate Litigation Litigation Group Head, Corporate & Recovery Group
Group Head, Corporate & Recovery Group Head, Head, Special Task Force, Consumer Legal Group
Special Task Force, Consumer Legal Group Head, dan Head, and finally in 2015 led Special Project at PT
terakhir pada tahun 2015 memimpin Special Project di CIMB Niaga Tbk.
PT CIMB Niaga Tbk.
Telah mengikuti beberapa seminar, pelatihan dan She has attended several seminars, training and
kursus yang diselenggarakan berbagai lembaga courses organized by various institutions including
antara lain Manajemen Keuangan dan Non Keuangan, Financial and Non-Financial Management, Credit &
Credit & Derivatives, Dampak Implementasi UU Derivatives, Impact of Implementation of Bankruptcy
Kepailitan Terhadap Sektor Perbankan & Riil, APEC Law on Banking & Real Sector, APEC Symposium on
Symposium on Strengthening Economic Legal Strengthening Economic Legal Infrastructure, Trusted
Infrastructure, Trusted Business Advisor Dialogue: Business Advisor Dialogue: Arbitration The Preferred
74 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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PROFIL DEWAN KOMISARIS
Board of Commissioners’ Profile
Arbitration The Preferred Choice, Risk Management Choice, Risk Management Training, Transformational
Training, Transformational Leadership, The 7th Annual Leadership, The 7th Annual Asia Pacific IP Forum, TOR
Asia Pacific IP Forum, TOR Prospek Perbankan Banking Future Prospect Reviewed from Advanced
ke depan Ditinjau dari Kebijakan Lanjutan Bidang Banking Policy, and Banking Risk Management
Perbankan, dan Program Refreshment Manajemen Refreshment Program Level 3, and the Refreshment
Risiko Perbankan Level 3, dan Refreshment Sertifikasi of Risk Management Certification: Fintech -
Manajemen Risiko: Fintech - Peluang & Tantangan Opportunities & Challenges of the Banking Industry
Industri Perbankan di Era Digital (Tinjauan dari Sisi in the Digital Age (Overview of Operational Risk &
Risiko Operasional & Bisnis Perbankan). Banking Business).
Yang bersangkutan tidak memiliki hubungan Afiliasi She does not have any affiliation with fellow members
dengan anggota Dewan Komisaris lainnya maupun of the Board of Commissioners nor with the Major
Pemegang Saham Utama. Shareholders.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 75
Page 78
PROFIL PERUSAHAAN
Company Profile
PROFIL DIREKSI
Board of Directors’ Profile
Suhaimin Djohan
Direktur Utama
President Director
Warga Negara Indonesia, lahir di Palembang pada Indonesian citizen, born in Palembang in 1966, earned
tahun 1966, memperoleh gelar insinyur dari Institut his Engineering Degree from Bogor Agricultural
Pertanian Bogor pada tahun 1990. Menjabat sebagai Institute in 1990. Appointed as the President Director
Direktur Utama Perseroan sejak tahun 2013. Masa of the Company since 2013. The current term of office
jabatan Direktur Utama saat ini adalah berdasarkan is based on the resolution of the Annual General
hasil keputusan Rapat Umum Pemegang Saham Meeting of Shareholders (AGMS) of the Company on
Tahunan (RUPST) Perseroan pada tanggal 24 Juli 24 July 2020 with the term of office which ends at the
Tahun 2020 dengan masa jabatan yang berakhir pada closing of the third AGMS of the Company after his
penutupan RUPST Perseroan ketiga setelah diangkat. appointment.
Memulai karir di Astra Credit Companies sebagai Started his career at Astra Credit Companies as
Branch Manager (1990-1993), kemudian Bank Branch Manager (1990-1993), and then with Bank
Danamon sebagai Credit & Marketing Team Leader Danamon as Credit & Marketing Team Leader
(1993), Multipro Adiguna Semesta sebagai GM/ (1993), Multipro Adiguna Semesta as GM/Marketing
Marketing Manager (1994-1996), Bank Sewu sebagai Manager (1994-1996), Bank Sewu as Consumer
Consumer Bank Division Head (1996-1999), Citibank Banking Division Head (1996-1999), Citibank NA -
N.A – Indonesia sebagai Vice President, Consumer Indonesia as Vice President, Head of Consumer
Finance Head (1999-2005), di LippoBank (2005 - 2008) Finance (1999-2005), at Lippo Bank (2005 - 2008)
dengan posisi terakhir sebagai Head of Consumer with his last position as Head of Consumer Banking,
Banking, selanjutnya merger dengan CIMB Niaga subsequently merged with CIMB Niaga (2008-2010),
(2008-2010), dengan posisi terakhirnya sebagai Retail with his last position as Retail Banking Director.
Banking Director. Juga menjadi Komisaris Utama dari Also, as the President Commissioner of PT Kencana
PT Kencana Internusa Artha Finance (KITA Finance Internusa Artha Finance (KITA Finance, which is a
yang merupakan perusahaan subsidiary, 2009-2010) subsidiary company, 2009-2010) and Commissioner
dan Komisaris dari CIMB Niaga Auto Finance (2009- of CIMB Niaga Auto Finance (2009-2010). Then
2010). Kemudian bergabung dengan UOB Buana/ joined with UOB Buana/UOB Indonesia as Personal
UOB Indonesia sebagai Personal Financial Services Financial Services Director (2010-2012).
Director (2010-2012).
Yang bersangkutan telah mengikuti berbagai He participated in several training/seminar such as:
training/seminar seperti: Refreshment Pelatihan Refreshment of Training on the Utilization of Population
Pemanfaatan Data Kependudukan Untuk Layanan Data for Banking Services organized by the Company
76 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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PROFIL DIREKSI
Board of Directors’ Profile
Perbankan yang diselenggarakan oleh Perseroan dan and the Directorate General of Population and Civil
Direktorat Jenderal Kependudukan dan Pencatatan Registration, Training on Sustainable Finance Action
Sipil, Pelatihan Rencana Aksi Keuangan Berkelanjutan Plans (RAKB) by Multi Utama Indojasa, and ISO 37001
(RAKB) oleh Multi Utama Indojasa, dan Awareness & Awareness & Workshop (Bribery Risk Assessment)
Workshop ISO 37001 (Bribery Risk Assessment) yang organized by The Company & SustaIN.
diselenggarakan oleh Perseroan bersama SustaIN.
Pada periode tahun buku yang bersangkutan During the fiscal year period, he participated in
mengikuti training/seminar Refreshment Sertifikasi training/seminar: Refreshment of Risk Management
Manajemen Risiko: Digital Transformation Certification: Digital Transformation and its
and its implication on Risk Management yang implications on Risk Management, held by Kovida.
diselenggarakan oleh Kovida.
Yang bersangkutan tidak memiliki hubungan afiliasi He does not have any affiliations with fellow members
dengan anggota Direksi lainnya, anggota Dewan of the Board of Directors, or members of the Board of
Komisaris, maupun Pemegang Saham Utama. Commissioners, nor with the Major Shareholders.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 77
Page 80
PROFIL PERUSAHAAN
Company Profile
PROFIL DIREKSI
Board of Directors’ Profile
Januar Angkawidjaja
Direktur
Director
Warga Negara Indonesia, lahir di Jakarta pada Indonesian citizen, born in Jakarta in 1968, earned
tahun 1968, memperoleh gelar Bachelor of Science his Bachelor of Science in Economics from the
dalam Ekonomi dari University of Kansas, Amerika University of Kansas, USA in 1991. Appointed as
Serikat pada tahun 1991. Menjabat sebagai Direktur Director of the Company since 2011, responsible for
Perseroan sejak tahun 2011, bertanggung jawab atas Risk Management, Compliance, Legal and Human
bidang Risk Management, Compliance, Legal dan Resources. The current term of office is based on
Human Resources. Masa jabatan Direktur saat ini the resolution of the Annual General Meeting of
adalah berdasarkan hasil keputusan Rapat Umum Shareholders (AGMS) of the Company on 24 July 2020
Pemegang Saham Tahunan (RUPST) Perseroan pada with the term of office which ends at the closing of the
tanggal 24 Juli Tahun 2020 dengan masa jabatan yang third AGMS of the Company after his appointment.
berakhir pada penutupan RUPST Perseroan ketiga
setelah diangkat.
Memulai karir di Lippobank Los Angeles California Started his career at Lippobank Los Angeles California
pada tahun 1991, Swiss Bank Corporation Hong Kong in 1991, Swiss Bank Corporation Hong Kong in 1992,
pada tahun 1992, Hongkong Chinese Bank pada Hongkong Chinese Bank in 1993, and various positions
tahun 1993, dan selanjutnya menjabat berbagai posisi at Lippobank Jakarta including Risk Management
di Lippobank Jakarta antara lain Risk Management Group Head, Commercial Banking Group Head,
Group Head, Commercial Banking Group Head, Credit Credit Restructuring Group Head and finally as Head
Restructuring Group Head dan terakhir sebagai Head of Risk Management & Compliance (1993-2008).
of Risk Management & Compliance (1993-2008).
Pada periode tahun buku yang bersangkutan During the fiscal year he attended training/ seminar:
mengikuti training/seminar: • Digital Leadership to Strengthen Digital
• Digital Leadership Untuk Memperkuat Transformasi Transformation, organized by OJK.
Digital, diselenggarakan oleh OJK.
• Webinar Perlindungan Kerahasiaan Data Konsumen • Webinar on Protection of Confidentiality of
Dalam Transaksi Digital Bank, diselenggarakan oleh Consumer Data in Digital Bank Transactions,
Kementerian Komunikasi dan Informatika Republik organized by the Ministry of Communication and
Indonesia Information of the Republic of Indonesia
78 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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PROFIL DIREKSI
Board of Directors’ Profile
• How to Measure Successful Digital Financial • How to Measure Successful Digital Financial
Services/Return on Digital Investment, Services/Return on Digital Investment, organized by
diselenggarakan oleh OJK. OJK.
• Refreshment Sertifikasi Manajemen Risiko: • Refreshment of Risk Management Certification:
Digital Transformation and its implication on Risk Digital Transformation and its implications on Risk
Management, diselenggarakan oleh Kovida. Management, held by Kovida.
• Innovation Week: New Way of Banking, disampaikan • Innovation Week: New Way of Banking, delivered by
oleh CIAS. CIAS.
Yang bersangkutan tidak memiliki hubungan afiliasi He does not have any affiliations with fellow members
dengan anggota Direksi lainnya, anggota Dewan of the Board of Directors, or members of the Board of
Komisaris, maupun Pemegang Saham Utama. Commissioners, nor with the Major Shareholders.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 79
Page 82
PROFIL PERUSAHAAN
Company Profile
PROFIL DIREKSI
Board of Directors’ Profile
Hendra Kurniawan
Direktur
Director
Warga Negara Indonesia, lahir di Jakarta pada Indonesian citizen, born in Jakarta in 1965, earned a
tahun 1965, memperoleh gelar Sarjana Muda dalam BA degree in Economics/ Accounting Department of
Ekonomi/Jurusan Akuntansi dari STIE Perbanas STIE Perbanas - Jakarta in 1990, Master of Business
– Jakarta pada tahun 1990, Master of Business Administration from the Institute of Management
Administration dari Institut Management Newport Newport Indonesia (IMNI) - Jakarta Affiliate of Newport
Indonesia (IMNI) – Jakarta Afiliasi Newport University University Los Angeles - California in 1995, Bachelor of
Los Angeles – California pada tahun 1995, Sarjana Economics from the University of Persada Indonesia
Ekonomi dari Universitas Persada Indonesia YAI – YAI - Jakarta in 1998, Bachelor of Law from University
Jakarta pada 1998, Sarjana Hukum dari Universitas of Mpu Tantular in 2004 and Master of Notary from
Mpu Tantular pada tahun 2004 dan Magister University of Indonesia in 2008. Appointed as Director
Kenotariatan dari Universitas Indonesia pada tahun of the Company since 2012, responsible for the areas
2008. Menjabat sebagai Direktur Perseroan sejak of Treasury, Finance and Financial Reporting. The
tahun 2012, bertanggung jawab atas bidang Treasury, current term of office is based on the resolution of the
Finance dan Financial Reporting. Masa jabatan Annual General Meeting of Shareholders (AGMS) of
Direktur saat ini adalah berdasarkan hasil keputusan the Company on 24 July 2020 with the term of office
Rapat Umum Pemegang Saham Tahunan (RUPST) which ends at the closing of the third AGMS of the
Perseroan pada tanggal 24 Juli Tahun 2020 dengan Company after his appointment.
masa jabatan yang berakhir pada penutupan RUPST
Perseroan ketiga setelah diangkat.
Memulai karir di PT Bank Lippo Tbk sebagai Staf Started his career in PT Bank Lippo Tbk as Staff in
Bagian Akunting (1984-1990), selanjutnya PT Bank Accounting Department (1984-1990), then PT Bank
Dana Asia sebagai Kepala Bagian Administrasi Dana Asia as Chief Financial Administration (1991-
Keuangan (1991-1999), kemudian berbagai posisi 1999), then various positions in PT Bank Lippo Tbk and
di PT Bank Lippo Tbk dan terakhir sebagai Finance most recently as Finance Group Head (1999-2008),
Group Head (1999-2008), PT Bank CIMB Niaga Tbk PT Bank CIMB Niaga Tbk as Financial Support Head
sebagai Financial Support Head (2008-2009) dan PT (2008-2009) and PT Bank Nationalnobu as Head of
Bank Nationalnobu sebagai Kepala Divisi Akunting Accounting and Finance Division and concurrently as
dan Keuangan dan merangkap sebagai Kepala Divisi Head of Treasury Division (2011-2012).
Tresuri (2011-2012).
80 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 83
PROFIL DIREKSI
Board of Directors’ Profile
Pada periode tahun buku yang bersangkutan During the fiscal year he attended training/seminar:
mengikuti training/seminar:
• Digital Leadership Untuk Memperkuat Transformasi • Digital Leadership to Strengthen Digital
Digital, diselenggarakan oleh OJK. Transformation, organized by OJK.
• How to Measure Successful Digital Financial • How to Measure Successful Digital Financial
Services/Return on Digital Investment, Services/Return on Digital Investment, organized by
diselenggarakan oleh OJK. OJK.
• Refreshment Sertifikasi Manajemen Risiko: • Refreshment of Risk Management Certification:
Digital Transformation and its implication on Risk Digital Transformation and its implications on Risk
Management, diselenggarakan oleh Kovida. Management, held by Kovida.
Yang bersangkutan tidak memiliki hubungan afiliasi He does not have any affiliations with fellow members
dengan anggota Direksi lainnya, anggota Dewan of the Board of Directors, or members of the Board of
Komisaris, maupun Pemegang Saham Utama. Commissioners, nor with the Major Shareholders.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 81
Page 84
PROFIL PERUSAHAAN
Company Profile
PROFIL DIREKSI
Board of Directors’ Profile
Andrian Meirawan Saputra
Direktur
Director
Warga Negara Indonesia, lahir di Semarang, tanggal Indonesian citizen, born in Semarang, 29 May 1979.
29 Mei 1979. Menjabat sebagai Direktur Perseroan Served as Director of the Company since 2021,
sejak tahun 2021, bertanggung jawab atas bidang responsible for Information Technology, Operation &
Information Technology, Operation & Innovation. Masa Innovations. The current term of office of the Director
jabatan Direktur saat ini adalah berdasarkan hasil is based on the resolution of the Company’s Annual
keputusan Rapat Umum Pemegang Saham Tahunan General Meeting of Shareholders (AGMS) on 27
(RUPST) Perseroan pada tanggal 27 Agustus Tahun August 2021 with a term ending at the closing of the
2021 dengan masa jabatan yang berakhir pada third Company’s AGMS after the 2020 AGMS.
penutupan RUPST Perseroan ketiga setelah RUPST
Tahun 2020.
Mengawali karir sebagai senior manager di He started his career as a senior manager at Bank
Bank Mandiri pada tahun 2004 hingga 2012 dan Mandiri from 2004 to 2012 and continued as Vice
dilanjutkan di sebagai Vice President di PT Bank President at PT Bank Tabungan Pensiunan Nasional
Tabungan Pensiunan Nasional pada tahun 2012 from 2012 to 2014. He had a career at PT Bank
hingga 2014. Yang bersangkutan berkarir di PT Commonwealth as Senior Vice President from 2014 to
Bank Commonwealth sebagai Senior Vice President 2016, and continued as Head of Product at PT Visionet
di pada tahun 2014 hingga 2016, dan dilanjutkan Internasional (OVO) from 2016 to 2018. Then he
sebagai Head of Product di PT Visionet Internasional served as Director of PT Veritra Sentosa Internasional
(OVO) pada tahun 2016 hingga 2018. Kemudian yang (PAYTREN) from 2018 to 2020. He joined the Company
bersangkutan menjabat sebagai Direktur PT Veritra in 2020, serving as Senior Vice President, Innovation
Sentosa Internasional (PAYTREN) pada tahun 2018 Lab & E-Payment Group Head.
hingga 2020. Bergabung dengan Perseroan pada
tahun 2020 dengan menjabat sebagai Senior Vice
President, Innovation Lab & E-Payment Group Head.
Pada periode tahun buku yang bersangkutan During the fiscal year he attended training/seminar:
mengikuti training/seminar :
• ISO 37001: 2016 (Refreshment) yang diselenggara- • ISO 37001: 2016 (Refreshment) held internally.
kan oleh internal.
• Innovation Week: TeaTalk “Leader’s Mindset”, • Innovation Week: TeaTalk “Leader’s Mindset”,
disampaikan oleh Dunamis. presented by Dunamis.
• Innovation Week: New Way of Banking, disampaikan • Innovation Week: New Way of Banking, delivered by
oleh CIAS. CIAS.
Yang bersangkutan tidak memiliki hubungan afiliasi He does not have any affiliations with fellow members
dengan anggota Direksi lainnya, anggota Dewan of the Board of Directors, or members of the Board of
Komisaris, maupun Pemegang Saham Utama. Commissioners, nor with the Major Shareholders.
82 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 85
PROFIL ANGGOTA KOMITE
Committee Member Profile
I Nyoman Tjager
Anggota Komite Audit & Komite Pemantau Risiko
Member of Audit Committee & Risk Monitoring Committee
Warga Negara Indonesia, lahir di Tabanan Bali pada Indonesian citizen, born in Tabanan, Bali in 1950.
tahun 1950. Memperoleh gelar Sarjana Hukum He earned a Bachelor of Law from the University
dari Fakultas Hukum Universitas Gadjah Mada, of Gadjah Mada, Yogyakarta; Master of Economics
Yogyakarta; Master di bidang Ekonomi dari Fordham from Fordham University, New York, USA; Doctoral
University, New York, AS; Doktor dari Program Doktor Degree from Law Doctorate Program, Gadjah Mada
Hukum, Universitas Gadjah Mada, Yogyakarta, University, Yogyakarta, Indonesia. Had a career in the
Indonesia. Berkarir di Biro Hukum Badan Pengawas Legal Bureau of Capital Market Supervisory Agency
Pasar Modal (Bapepam), 1979-1999, dengan jabatan (Bapepam), from 1979 to 1999, with his last position as
terakhir sebagai Kepala Biro Hukum Badan Pengawas Head of Legal Bureau at Capital Market Supervisory
Pasar Modal (Bapepam)-Departemen Keuangan. Agency (Bapepam)-Financial Department. Appointed
Menjabat Komisaris di beberapa Perusahaan tahun as Commissioner in several companies from 1993
1993-2020 (PT Pelayaran Samudera Djakarta Lloyd, to 2020 (PT Pelayaran Samudera Djakarta Lloyd, PT
PT KSEI, Pupuk Kaltim, PT Bhakti Capital Investment KSEI, Pupuk Kaltim, PT Bhakti Capital Investment
Indonesia Tbk, PT Bank Lippo Tbk, PT Bursa Efek Indonesia Tbk, PT Bank Lippo Tbk, Indonesia Stock
Indonesia, PT Ancora Indonesia Resources Tbk., AJB Exchange, PT Ancora Indonesia Resources Tbk, AJB
Bumiputera 1912, PT Indocement Tunggal Prakarsa Bumiputera 1912, PT Indocement Tunggal Prakarsa
Tbk, PT Hanson International Tbk, PT Sorini Agro Tbk, PT Hanson International Tbk, PT Sorini Agro
Asia Corporindo Tbk). Tahun 1999-2005 menduduki Asia Corporindo Tbk). During the year of 1999-2005
di berbagai posisi penting di Kantor Menteri Negara held various important positions in the Office of
PM-BUMN, terakhir sebagai Staf Ahli Menteri Negara State-Owned Enterprises Ministry, most recently as
BUMN bidang KUK-Kementerian BUMN. Saat ini an expert staff in Ministry of State Enterprises in the
menjabat sebagai Komisaris di PT Maybank Sekuritas field of KUK-Ministry of SOEs. Currently he serves as
Indonesia, PT Wahana Ottomitra Multiartha Tbk, PT Commissioner for PT Maybank Sekuritas Indonesia,
Home Credit Indonesia. Tahun 2016-2020 sebagai PT Wahana Ottomitra Multiartha Tbk., PT Home
Staf Ahli & Tenaga Ahli Bidang Perencanaan di Komisi Credit Indonesia. From 2016-2020 he also served as
Pengawas Satuan Kerja Khusus Pelaksana Kegiatan an Expert Staff in Planning Division at Supervisory
Usaha Hulu Minyak dan Gas Bumi (SKK Migas). Commission of Special Task Force for Upstream Oil
and Gas Business Activities (SKK Migas).
Menjadi Anggota Komite Audit sesuai Surat Keputusan Became member of the Audit Committee in
Direksi No. 279/SK/DIR/VII/2020 tertanggal 27 Juli accordance with Decree of Directors No. 279/SK/
2020 tentang Pengangkatan Anggota Komite Audit. DIR/VII/2020 dated 27 July 2020 regarding the
Menjadi Anggota Komite Pemantau Risiko sesuai Appointment of Members of the Audit Committee.
Surat Keputusan Direksi No. 280/SK/DIR/VII/2020 Became the member of Risk Monitoring Committee
tertanggal 27 Juli 2020 tentang Pengangkatan in accordance with Decree of Directors No. 280/
Anggota Komite Pemantau Risiko. SK/DIR/VII/2020 dated 27 July 2020 regarding the
Appointment of Members of the Risk Monitoring
Committee.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 83
Page 86
PROFIL PERUSAHAAN
Company Profile
PROFIL ANGGOTA KOMITE
Committee Member Profile
Chandra Kusdianto
Anggota Komite Remunerasi & Nominasi
Member of Remuneration & Nomination Committee
Warga Negara Indonesia, lahir di Jakarta pada Indonesian citizen, born in Jakarta in 1976, earned
tahun 1976, memperoleh gelar Sarjana Psikologi his Bachelor of Psychology from Catholic University
dari Universitas Katolik Atma Jaya Jakarta. Memiliki of Atma Jaya Jakarta. Having passion in the world of
passion dalam dunia pengembangan Sumber Human Resources Development and for over 20 years
Daya Manusia (Human Resource Development) dan working and studying variety of functions in the field
selama kurang lebih 20 tahun bekerja dan mendalami of HR across various industries, ranging from Media,
berbagai fungsi di bidang HR pada beberapa jenis Fast Moving Consumer Good (Manufacturing), Multi
industri, mulai dari Media, Fast Moving Consumer Finance, to Banking. Joined the Company since April
Good (Manufacturing), Multi Finance, hingga Banking. 2011 and now served as Personnel Group Head.
Bergabung dengan Perseroan sejak April 2011 dan
saat ini menjabat sebagai Kepala Group Personalia.
Menjadi Anggota Komite Remunerasi dan Nominasi Serves as Member of the Remuneration & Nomination
sesuai Surat Keputusan Direksi No. 281/SK/DIR/ Committee in accordance with Decree of Directors
VII/2020 tertanggal 27 Juli 2020 tentang Pengangkatan No. 281/SK/DIR/VII/2020 dated 27 July 2020 on the
Anggota Komite Remunerasi & Nominasi, dan Appointment of Members of the Remuneration &
menjadi Ketua Fungsi Kepatuhan Anti Penyuapan Nomination Committee, and Head of Anti-Bribery
(FKAP) sesuai Surat Keputusan Direksi No. 161/ Compliance Function (FKAP) pursuant to the Decree
SK/DIR/III/2022 tentang Pembentukan Struktur of the Board of Directors No. 161/SK/DIR/III/2022 on
Organisasi SNI ISO 37001:2016 Sistem Manajemen the Establishment of Organization Structure for SNI
Anti Penyuapan (SMAP). ISO 37001:2016 Anti-Bribery Management System
(SMAP).
Pada periode tahun buku yang bersangkutan During the fiscal year he participated in trainings/
mengikuti training/seminar: seminars:
• Sertifikasi Manajemen Sumber Daya Manusia • Human Resources Management Certification
(skema General Manager), diselenggarakan oleh (General Manager scheme), held by LSP MSDMI.
LSP MSDMI.
• Strategi Penyiapan Digital Talent Guna Mendukung • Digital Talent Preparation Strategy to Support
Transformasi Digital Di Industri Jasa Keuangan, Digital Transformation in the Financial Services
diselenggarakan oleh OJK. Industry, organized by OJK.
• Lippo HR Gathering 2022, diselenggarakan oleh • Lippo HR Gathering 2022, organized by Universitas
Universitas Pelita Harapan. Pelita Harapan.
84 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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PROFIL ANGGOTA KOMITE
Committee Member Profile
• Blue Ocean Strategy - A Guide and Strategy • Blue Ocean Strategy - A Guide and Strategy for
for Companies/ Organizations to be Free from Companies/ Organizations to be Free from Fierce
Fierce Competition and Achieve Success, Competition and Achieve Success, held by OJK.
diselenggarakan oleh OJK.
• Rancangan Peraturan Otoritas Jasa Keuangan • Draft Regulation of the Financial Services Authority
tentang Pengembangan Kualitas Sumber Daya on the Development of Human Resource Quality
Manusia Bank Umum, diselenggarakan oleh OJK. of Commercial Banks, organized by the OJK.
• ISO 37001: 2016 (Internal Audit Sistem Manajemen • ISO 37001:2016 (Internal Audit of Anti-Bribery
Anti Penyuapan), diselenggarakan oleh SUSTAIN. Management System), organized by SUSTAIN.
• Webinar Anti Bribery Management System: • Webinar on Anti Bribery Management System:
Experience Through Integrity, diselenggarakan Experience Through Integrity, held by OJK.
oleh OJK.
• Peningkatan Awareness dan Komitmen • Increased Awareness and Commitment to the
Implementasi SNI ISO 37001 Sistem Manajemen Implementation of SNI ISO 37001 Anti-Bribery
Anti Penyuapan di Industri Jasa Keuangan, Management System in the Financial Services
diselenggarakan oleh OJK. Industry, organized by the OJK.
• Digital Leadership Untuk Memperkuat • Digital Leadership to Strengthen Digital
Transformasi Digital, diselenggarakan oleh OJK. Transformation, organized by OJK.
• Webinar Perlindungan Kerahasiaan Data • Webinar on Protection of Consumer Data
Konsumen Dalam Transaksi Digital Bank, Confidentiality in Bank Digital Transactions, held
diselenggarakan oleh Kementerian Komunikasi by the Ministry of Communication and Informatics
dan Informatika Republik Indonesia. of the Republic of Indonesia.
• ISO 37001: 2016 (Refreshment), diselenggarakan • ISO 37001:2016 (Refreshment), organized by
oleh internal. internal.
• Employee Engagement Universe, diselenggarakan • Employee Engagement Universe, organized by the
oleh Forum Human Capital Perbankan Indonesia. Indonesian Banking Human Capital Forum.
• Innovation Week: TeaTalk “Leader’s Mindset” • Innovation Week: TeaTalk “Leader’s Mindset”,
dibawakan oleh Dunamis. hosted by Dunamis.
• Innovation Week: New Way of Banking, dibawakan • Innovation Week: New Way of Banking, hosted by
oleh CIAS. CIAS.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 85
Page 88
PROFIL PERUSAHAAN
Company Profile
PROFIL ANGGOTA KOMITE
Committee Member Profile
Kristiana Hardiyati
Anggota Komite Audit & Komite Pemantau Risiko
Member of Audit Committee & Risk Monitoring Committee
Warga Negara Indonesia, lahir di Semarang, tanggal 19 Indonesian citizen, born in Semarang on 19 February
Februari 1967. Memperoleh gelar Sarjana Hukum dari 1967. Obtained a Bachelor of Law degree from the
Fakultas Hukum Universitas Diponegoro, Semarang. Faculty of Law, Diponegoro University, Semarang.
Mengawali karier di PT Bank Lippo Tbk dalam Began her career at PT Bank Lippo Tbk in the
Management Development Program pada tahun 1990. Management Development Program, 1990.
Selanjutnya menapaki berbagi jenjang jabatan, antara Furthermore, she served at various positions, including
lain sebagai Credit Manager hingga Vice Presiden as Credit Manager to Vice President of Market Risk at
Market Risk di PT Bank Lippo Tbk pada tahun 2008. PT Lippo Bank Tbk in 2008.
Selanjutnya di PT Bank CIMB Niaga Tbk tahun 2008 Further served at PT Bank CIMB Niaga Tbk in 2008 –
– 2016 sebagai Vice Presiden Market Risk & Vice 2016 as Vice President of Market Risk & Vice President
Presiden Bank Quality Assurance. of Bank Quality Assurance.
Menjadi Anggota Komite Audit sesuai Surat Keputusan Serves as Member of the Audit Committee in
Direksi No. 101/SK/DIR/III/2022 tertanggal 7 Maret accordance with the Decree of the Board of Directors
2022 tentang Pengangkatan Kristiana Hardiyati No. 101/SK/DIR/III/2022 dated 7 March 2022 on the
sebagai Anggota Komite Audit. Menjadi Anggota Appointment of Kristiana Hardiyati as a Member of
Komite Pemantau Risiko sesuai Surat Keputusan the Audit Committee. Serves as Member of the Risk
Direksi No. 102/SK/DIR/III/2022 tertanggal 7 Maret Monitoring Committee in accordance with the Decree
2022 tentang Pengangkatan Kristiana Haridyati of the Board of Directors No. 102/SK/DIR/III/2022
sebagai Anggota Komite Pemantau Risiko. dated 7 March 2022 on the Appointment of Kristiana
Haridyati as a Member of the Risk Monitoring
Committee.
86 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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PEJABAT EKSEKUTIF
Executive Officer
Winardi Darmansa L Juanita Amanda
Steve Marciano Joe Hadi Wenas
Head of SME & Commercial Luthan
Chief Operating Officer Chief Business Officer Lending Head of Consumer
Susiyanti David Tantama Reza Sujanto
Head of Branch Rizal Paramarta
Head of Sales & Corporate Planning
Transformation & Special Head of Strategy
Distribution Group Head
Project
Samuel Mulyono Sjahruddin M.
Manadi Paulusman Wibowo
Cyber, Data Protection & Dewang
Treasury & Financial Information Technology
Product Risk Assurance Risk Management
Institution Group Head Group Head
Group Head Group Head
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 87
Page 90
PROFIL PERUSAHAAN
Company Profile
PEJABAT EKSEKUTIF
Executive Officer
Chandra Kusdianto Boyke Zulkifli Eko Purwito Gemi Hardewa
Human Resources Central Credit Group Head Bank as a Services (BaaS)
Operation Group Head
Group Head Group Head
Mario Satrio
Anton Christianto Abd Hadi Rosiana Murti
Wibowo
Supply Chain (Asset) Financial Control Division
Corporate Communication Internal Audit Division Head
Group Head Head
Group Head
88 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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PEJABAT EKSEKUTIF
Executive Officer
Fikri Akmal Addy Endra
Fery Santoso Irwan Mikail
Nasution Widyatmaka
Regulatory Reporting Compliance & Special Unit
Division Head Product Governance Division Head Legal Division Head
Division Head
Indra Steiven
Margaret Liza Gentha Adhi Nugraha Adrian Tjahjana
Manafe
Central Underwriting Project Management
Retail & Micro Loan Sales (Asset) Division Head
Division Head Division Head
Processing Division Head
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 89
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PROFIL PERUSAHAAN
Company Profile
JUMLAH KARYAWAN
Number of Employees
Komposisi Pengurus dan Karyawan Berdasarkan Status Kerja
Composition of Management & Employees based on Employment Status
Keterangan | Description 2019 2020 2021 2022 2023
Karyawan Tetap | Permanent Employees 994 999 964 887 935
Karyawan Percobaan & Kontrak
326 137 178 254 271
Employees on Probation & Contract
Karyawan Outsourcing | Outsourced Employees 123 52 57 51 41
Jumlah | Total 1.443 1.188 1.199 1.192 1.247
Komposisi Pengurus dan Karyawan Berdasarkan Jabatan
Composition of Management & Employees based on Position
Keterangan | Description 2019 2020 2021 2022 2023
Direktur | Directors 5 4 4 4 4
Manager | Managers 312 301 328 372 399
Supervisor | Supervisors 411 388 372 369 397
Staf lainnya | Other Staffs 715 495 495 447 447
Jumlah | Total 1.443 1.188 1.199 1.192 1.247
Komposisi Pengurus dan Karyawan Berdasarkan Pendidikan
Composition of Management & Employees based on Education
Keterangan | Description 2019 2020 2021 2022 2023
Pasca Sarjana | Postgraduate 51 46 50 63 59
Sarjana | Bachelor 1.031 893 898 898 961
Sarjana Muda | Diploma / Diploma 197 165 147 135 132
SLTA, SMK dan lainnya | Senior High School and others 164 84 104 96 95
Jumlah | Total 1.443 1.188 1.199 1.192 1.247
Komposisi Pengurus dan Karyawan Berdasarkan Kelompok Usia
Composition of Management & Employees based on Age Group
Keterangan | Description 2019 2020 2021 2022 2023
s/d 30 tahun | up to age 30 959 700 639 559 567
31 s/d 45 tahun | age 31 to 45 363 382 449 509 550
Sarjana 46 s/d 55 tahun | age 46 to 55 90 87 89 100 108
> 55 tahun | > age 55 31 19 22 24 22
Jumlah | Total 1.443 1.188 1.199 1.192 1.247
90 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KOMPOSISI PEMEGANG SAHAM
Shareholders Composition
Pemegang Saham yang memiliki 5% atau lebih
Shareholders with 5% or more ownership
Pemegang Saham Jumlah Saham Persentase Saham
Shareholders Number of Shares Percentage of Ownership
PT Putera Mulia Indonesia 1.792.267.962 23,97%
PT Prima Cakrawala Sentosa 1.545.395.402 20,66%
PT Matahari Departement Store Tbk 728.000.000 9,73%
OCBC Securities Pte Ltd -Client A/C 516.348.700 6,90%
Nomura Securities Co Ltd A/C Client 428.391.000 5,73%
PT Star Pacific Tbk 1.000.670.721 13,38%
PT Inti Anugerah Pratama 600.071.121 8,02%
Anggota Direksi dan anggota Dewan Komisaris yang memiliki saham Perseroan
Member of the Board of Directors and the Board of Commissioners who own the Company shares
Pemegang Saham Jumlah Saham Persentase Saham
Shareholders Number of Shares Percentage of Ownership
Andrian Meirawan Saputra 47.100 0,00%
Kelompok Pemegang Saham masyarakat yang memiliki kurang dari 5% saham
Public Shareholder Group, who each own less than 5% (five percent) of the shares
Pemegang Saham Jumlah Saham Persentase Saham
Shareholders Number of Shares Percentage of Ownership
Masyarakat | Public 867.298.993 11,60%
Jumlah Pemegang Saham dan Persentase Kepemilikan per Akhir Tahun Buku 2023 berdasarkan klasifikasi
Number of Shareholders and Percentage of Ownership as of end of the financial year 2023 based on classification
Jumlah Investor Jumlah lembar
Pemegang Saham Nasional
I Number of % saham %
Local Shareholders
Investor Shares
I.1 Perorangan | Individuals 3.662 98,28 321.268.119 4,30
I.2 Yayasan | Foundation 0 0,00 - -
I.3 Dana Pensiun | Pension Fund 0 0,00 - -
I.4 Asuransi | Insurance 0 0,00 - -
I.5 Perseroan | Corporations 31 0,83 6.013.590.199 80,41
I.6 Lain-lain | Others 1 0,03 74.784.439 1,00
Sub Total 3.694 99,14 6.409.642.757 85,71
II Pemegang Saham Asing | Foreign Shareholders
II.1 Perorangan | Individuals 5 0,13 4.747.400 0,06
II.2 Badan Usaha | Institutions 27 0,72 1.064.053.742 14,23
II.3 Lain-lain | Others 0 0,00 0 -
Sub Total 32 0,86 1.068.801.142 14,29
Total 3.726 100,00 7.478.443.899 100,00
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 91
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PROFIL PERUSAHAAN
Company Profile
STRUKTUR KELOMPOK PERUSAHAAN
Structure of the Company’s Group
Struktur Kelompok Usaha
PT Bank Nationalnobu Tbk
Per 31 Desember 2023
James Tjahaja
Stephen Riady
Riady
100% 100%
Fullerton PT Trijaya
Masyarakat
Capital Limited Utama Mandiri
Public
40,00% 60,00% 67,52% 32,48%
99,99%
AG Singapore PT Trijaya
Masyarakat Saham non-treaty PT Inti Anugerah Masyarakat PT Lenox Pasifik Anugerah
Public Treasuri Omnibus Account Pratama Public Investama Tbk
2091144090 Pratama
41,33% 0,58% 16,06% 42,03% 57,01% 22,94% 20,05%
99,99% 99,99%
PT Kharisma
PT Multipolar Auric Digital Masyarakat PT Puspamelati
Saham Tresuri Buana
Tbk Retail Pte Ltd Public Graha
Nusantara
PT Star Pacific Tbk
8,88% 37,21% 2,89% 51,02% 0,003% 99,997%
99,9%
13,67% 86,33%
PT Prima PT Matahari PT Grahaputra
PT Ciptadana Masyarakat PT Putera Mulia
Cakrawala Department Mandiri
Captal Public Indonesia
Sentosa Store Tbk Kharisma
8,02% 0,76% 23,97% 2,20%
0,22% 20,66% 9,73% 1,16% 13,38% 19,90%
92 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KRONOLOGIS PENCATATAN SAHAM
Chronology of Stock Listing
Jumlah Saham
Keterangan Dikeluarkan (Lembar) Tanggal Pencatatan Bursa
No
Description Number of Shares Date of Listing Stock Exchange
Issued (Shares)
Nilai Nominal Rp100,- | Nominal Value Rp100,-
Penawaran Umum Perdana 13-14 Mei 2013 Bursa Efek Indonesia
1 2.155.830.000
Initial Public Offering May 13-14, 2013 Indonesia Stock Exchange
20 Mei 2013 Bursa Efek Indonesia
2 Company Listing 4.145.830.000
May 20, 2013 Indonesia Stock Exchange
PMTHMETD I 4 September 2014 Bursa Efek Indonesia
3 165.500.000
1st Private Placement September 4, 2014 Indonesia Stock Exchange
PMTHMETD II 2 Februari 2016 Bursa Efek Indonesia
4 126.582.300
2nd Private Placement February 2, 2016 Indonesia Stock Exchange
PMHMETD I 24 Desember 2021 Bursa Efek Indonesia
5 164.367.122
Right Issue I December 24, 2021 Indonesia Stock Exchange
PMHMETD II 23 Februari 2023 Bursa Efek Indonesia
6 680.999.353
Right Issue II February 23, 2023 Indonesia Stock Exchange
PMHMETD III 24 Agustus 2023 Bursa Efek Indonesia
7 2.195.165.124
Right Issue III August 24, 2023 Indonesia Stock Exchange
Jumlah Modal Ditempatkan/Disetor
7.478.443.899
Number of Shares Issued/Fully Paid
JASA AKUNTAN PUBLIK (AP) DAN KANTOR AKUNTAN PUBLIK (KAP)
PUBLIC ACCOUNTANT DAN PUBLIC ACCOUNTANT FIRM
Amir Abadi Jusuf, Aryanto, Mawar & Rekan – Member firm of RSM Global Network
Audit Assurance, Governance, Risk & Control, Corporate Finance & Transaction Support, Tax, Outsourcing
Plaza ASIA Level 10, Jl. Jend. Sudirman Kav 59, Jakarta 12190
Jasa yang Diberikan 1. Jasa Audit Periode per 31 Maret 2023
Services Rendered: 2. Jasa Pendampingan Right Issue-III
3. Jasa Audit Tahun Buku per 31 Desember 2023
1. Audit Services for the Period ended March 31, 2023
2. Rights Issue III Assistance Service
3. Audit Services for Fiscal Year as of December 31, 2023
Periode Penugasan Januari - Desember 2023
Assignment Period: January - December 2023
Biaya Jasa
Rp1.776 Juta | Million
Fees
LEMBAGA & PROFESI PENUNJANG PASAR MODAL
CAPITAL MARKET SUPPORTING INSTITUTIONS & PROFESSIONALS
1. Biro Administrasi Efek 2. Notaris 3. Konsultan Hukum
Stock Administration Bureau Notary Legal Consultant
PT Sharestar Indonesia Kantor Notaris Nindyo & Associates
Sopo Del Office Towers & Lifestyle Lily Harjati Soedewo, Sh., MKn. Attorney at Law and Capital Market
Tower B, Lantai 18, Jl. Berlian I No. 15 Consultant
Jl. Mega Kuningan Barat III, Lot 10. 1-6 Sumur Batu Kemayoran The H Tower 16th Floor Unit B
Kawasan Mega Kuningan, Jakarta Pusat Jl. H.R. Rasuna Said Kav. C 20-21
Jakarta Selatan 12950 Jakarta 12940
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 93
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PROFIL PERUSAHAAN
Company Profile
PENGHARGAAN DAN SERTIFIKAT
Stock Accolades and Certificates
31 Januari 2023 | 31 January 2023 3 Maret 2023 | 3 March 2023 20 Maret 2023 | 20 March 2023
Nama Acara | Event Nama Acara | Event Nama Acara | Event
GCG Awards 2023 Annual Awards 2023 Indonesia My Home Award 2023
Penghargaan | Award Penghargaan | Award Penghargaan | Award
Indonesia Excellence Good Corporate Lender KPR Primary of The Year The Most Recommended Mortgage
Governance Ethics in Developing Product with Best Services and
Kategori | Category :
Comprehensive Banking Services Fastest Process
Banking
Kategori | Category : Kategori | Category :
Penyelenggara | Organizer
Conventional Bank KBMI I
Loan Market
Penyelenggara | Organizer Penyelenggara | Organizer
Warta Ekonomi Anugerah Indonesia Property&Bank
Award XVII
30 Maret 2023 | 30 March 2023 12 April 2023 31 Mei 2023 | 31 May 2023
Nama Acara | Event Nama Acara | Event Nama Acara | Event
Digital Innovation Awards 2023 Digital Brand Awards Indonesia Financial Top Leader
Awards 2023
Penghargaan | Award Penghargaan | Award
The Most Innovative Conventional The 2nd Best Debit Card Conventional Penghargaan | Award
Bank for The Various Digital Based Bank (KBMI 1) Best Leader for Sustainability
Product and Services Initiatives Acceleration Through Developing
Kategori | Category :
Business Collaboration and Digital
Kategori | Category : KBMI I
Services
Conventional Bank
Penyelenggara | Organizer
Kategori | Category :
Penyelenggara | Organizer Infobank
KBMI 1 Swasta
Warta Ekonomi
Penyelenggara | Organizer
Warta Ekonomi
28 Juli 2023 | 28 July 2023 15 Agustus 2023 | 15 August 2023 25 Agustus 2023 | 25 August 2023
Nama Acara | Event Nama Acara | Event Nama Acara | Event
Indonesia Best Banking Award Best Bank Performance of MsMEs 28th Infobank Award 2023
Loans Award 2023
Penghargaan | Award Penghargaan | Award
Indonesia Best bank 2023 for The Penghargaan | Award Excellent Financial Performance
Provision of Access to Capital for Bank Berpredikat “Sangat Prima” Bank in 2022
MsMes Bank with “Highly Excellent” rating.
Kategori | Category :
Kategori | Category : Kategori | Category : -
KBMI I Tier 1 Capital Up to Rp6 Trillion (KBMI
Penyelenggara | Organizer
1) Assets of Rp20 Trillion Up to Under
Penyelenggara | Organizer Infobank
Rp25 Trillion
Warta Ekonomi
Penyelenggara | Organizer
Peluang
94 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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PENGHARGAAN DAN SERTIFIKAT
Stock Accolades and Certificates
26 September 2023 14 November 2023 29 November 2023
Nama Acara | Event Nama Acara | Event Nama Acara | Event
The Best Contact Center Indonesia The Finance Award Indonesia Best Digital Finance Award
2023 2023
Penghargaan | Award
Penghargaan | Award The Best Performing Bank 2023 Penghargaan | Award
The Best Customer Experience Best Digital Finance for Providing
Kategori | Category :
Practical Electronic Payment Services
Kategori | Category : Bank Assets Category
Gold Kategori | Category :
Penyelenggara | Organizer
KBMI 1, Private Bank
Penyelenggara | Organizer The Finance
TBCCI 2023 Penyelenggara | Organizer
Warta Ekonomi
5 Desember 2023 | 5 December 2023 14 Desember 2023 | 14 December 2023
Nama Acara | Event Nama Acara | Event
The Inspiration from Successful Investor Trust Digital Banking Awards
Leaders in Crisis 2023
Penghargaan | Award Penghargaan | Award
Infobank Top 100 CEO 8 The Next Investor Trust Digital Banking Awards
Leaders Forum 2023 2023
Kategori | Category :
Kategori | Category : Dimensi Customer KBMI 1
-
Penyelenggara | Organizer
Penyelenggara | Organizer Investor Trust
Infobank
INFORMASI PADA WEBSITE PERUSAHAAN
INFORMATION ON THE CORPORATE WEBSITE
Informasi yang tersedia pada website Perseroan Information available on the Company’s website
mencakup : includes:
1. Untuk Perorangan 1. For Individuals
a. Produk Simpanan a. Savings Products
b. Produk Pinjaman b. Loan Products
c. Produk Investasi & Asuransi c. Investment & Insurance Products
d. Layanan E-Channel d. E-Channel Services
2. Untuk UMKM 2. For MSMEs
a. Produk Simpanan a. Savings Products
b. Produk Pinjaman b. Loan Products
c. Layanan Lain c. Other Services
3. Untuk Korporasi 3. For Corporations
a. Produk Simpanan a. Savings Products
b. Produk Pinjaman b. Loan Products
c. Layanan Echannel c. Echannel Services
d. Layanan Lain d. Other Services
4. Untuk Partnership 4. For Partnerships
a. Layanan Open Banking a. Open Banking Services
5. Layanan & Pengaduan 5. Service & Complaints
6. Tentang Perseroan 6. About the Company
a. Tentang Perseroan a. About the Company
b. Keberlanjutan b. Continuity
c. Karir c. Career
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 95
Page 98
ANALISIS & PEMBAHASAN MANAJEMEN
Management Discussion And Analysis
ANALISIS &
PEMBAHASAN
MANAJEMEN
MANAGEMENT
DISCUSSION &
ANALYSIS
Strategi pengembangan
digital telah disusun
dalam suatu blueprint
transformasi digital yang
akan diimplementasikan
dalam lima tahun ke depan.
Blueprint ini memuat berbagai
inisiatif layanan digital yang
disiapkan untuk memenuhi
kebutuhan segmen pasar
yang dituju Perseroan yaitu
segmen Korporasi, UMKM
dan retail.
A digital transformation blueprint has been
prepared that will be implemented in the
next five years, which outlines various digital
service initiatives to cater to the Company’s
intended market segments, namely the
Corporate, MSME and retail segments.
96 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 97
Page 100
ANALISIS & PEMBAHASAN MANAJEMEN
Management Discussion And Analysis
TINJAUAN EKONOMI DAN INDUSTRI
Economic and Industry Overview
TINJAUAN EKONOMI ECONOMIC REVIEW
Meskipun dibayangi sentimen global di sepanjang Even though global sentiment was overshadowed
2023, baik dari sisi supply, bencana alam, volatilitas throughout 2023, such as in terms of supply, natural
sektor jasa keuangan, serta permasalahan geo- disasters, volatility in the financial services sector,
ekonomi, ternyata perekonomian Indonesia masih and geo-economic problems, it turns out that the
menunjukkan ketangguhannya. Data Badan Pusat Indonesian economy was still showing its resilience.
Statistik (BPS) menunjukkan pertumbuhan ekonomi Data from the Central Statistics Agency (BPS) showed
triwulan IV 2023 tumbuh sebesar 5,04% (yoy), lebih that economic growth in the fourth quarter of 2023
tinggi dibandingkan dengan pertumbuhan pada grew by 5.04% (yoy), higher than growth in the previous
triwulan sebelumnya sebesar 4,94% (yoy). Dengan quarter of 4.94% (yoy). With these developments,
perkembangan tersebut, maka pertumbuhan Indonesia’s overall economic growth in 2023 was
ekonomi Indonesia secara keseluruhan tahun 2023 recorded as growing strongly at 5.05% (yoy).
tercatat tumbuh kuat sebesar 5,05% (yoy).
Data statistik tersebut lebih jauh menunjukkan bahwa These statistical data further show that the increasing
pertumbuhan ekonomi nasional yang meningkat national economic growth in the fourth quarter of 2023
pada triwulan IV 2023 didukung oleh hampir seluruh was supported by almost all components of Gross
komponen Produk Domestik Bruto (PDB). Konsumsi Domestic Product (GDP). Household consumption
rumah tangga tumbuh sebesar 4,47% (yoy) seiring grew by 4.47% (yoy) in line with increased mobility,
dengan kenaikan mobilitas terutama pada hari especially at Christmas and New Year, stable
Natal dan Tahun Baru, daya beli masyarakat yang public purchasing power, and increasing consumer
stabil, serta keyakinan konsumen yang meningkat. confidence. Consumption of Non-Profit Institutions
Konsumsi Lembaga Nonprofit yang Melayani Rumah Serving Households (LNPRT) grew high by 18.11% (yoy)
Tangga (LNPRT) tumbuh tinggi sebesar 18,11% driven by increased election preparation activities.
(yoy) didorong peningkatan aktivitas persiapan Meanwhile, government consumption also appeared
pemilu. Adapun konsumsi Pemerintah Nampak to have increased by 2.81% (yoy), driven by goods
juga meningkat sebesar 2,81% (yoy) yang didorong spending and employee spending. Investment grew
oleh belanja barang dan belanja pegawai. Investasi 5.02% (yoy) mainly supported by building investment as
tumbuh 5,02% (yoy) terutama ditopang oleh investasi infrastructure development continued and investment
bangunan seiring berlanjutnya pembangunan activity increased. In addition, national exports grew
infrastruktur dan meningkatnya aktivitas penanaman 1.64% (yoy), supported by demand from main trading
modal. Selain itu, ekspor nasional tumbuh 1,64% partners which remained positive despite a decline
(yoy), ditopang oleh permintaan mitra dagang utama in prices of leading export commodities, as well as
yang tetap positif meskipun terjadi penurunan harga improving service exports in line with the increase in
komoditas ekspor unggulan, serta membaiknya the number of foreign tourists. Inflation throughout
ekspor jasa seiring dengan peningkatan jumlah 2023 also appeared to be under control at the level
wisatawan mancanegara. Inflasi sepanjang tahun of 2.61% (yoy) as of December 2023. Volatile food
2023 juga Nampak terkendali di level 2,61% (yoy) per inflation, which is the main contributor to inflation,
Desember 2023. Inflasi volatile food yang menjadi such as rice, chilies and garlic, was also starting to
kontributor utama inflasi seperti beras, cabai, dan show a downward trend in December 2023.
bawang putih juga mulai menunjukkan tren menurun
di Desember 2023.
Pada sisi nilai tukar, secara umum nilai tukar On the exchange rate side, in general the Rupiah
Rupiah terhadap US Dolar sepanjang tahun 2023 exchange rate against the US Dollar throughout 2023
menunjukkan tekanan yang cukup kuat sehingga showed quite strong pressure so that movements are
pergerakannya lebih banyak berada di area antara mostly in the area between Rp. 15,000 and Rp16,000
Rp. 15.000 dan Rp16.000 per USD baik di awal tahun per USD both at the beginning of the year and in the
maupun di pertengahan hingga akhir tahun. Hal ini middle to the end of the year. This was more due to
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lebih disebabkan karena menguatnya mata uang US the strengthening of the US Dollar globally as a result
Dollar secara global sebagai akibat dari kebijakan of the policy of the US Federal Reserve central bank
bank sentral AS Federal Reserve yang cukup agresif which was quite aggressive in raising the benchmark
dalam menaikkan suku bunga acuan. Hal ini interest rate. This pushed the dollar to strengthen
mendorong dolar menguat terhadap mayoritas mata against the majority of world currencies because
uang dunia karena aliran modal cenderung mengalir capital flows tended to flow out (outflow) from
keluar (outflow) dari negara-negara di dunia kembali countries in the world back towards the US. However,
menuju AS. Namun demikian, di akhir tahun 2023 at the end of 2023 the Rupiah returned to stability at
Rupiah dapat kembali stabil di kisaran Rp15.500 per around Rp15,500 per USD.
USD.
TINJAUAN INDUSTRI PERBANKAN BANKING INDUSTRY OVERVIEW
Sejalan dengan positifnya kinerja perekonomian In line with the positive performance of the Indonesian
Indonesia di tahun 2023, sektor jasa keuangan economy in 2023, the financial services sector has
tumbuh positif ditopang oleh struktur permodalan grown positively, supported by a strong capital
yang kuat, likuiditas yang memadai, dan profil structure, adequate liquidity and a maintained risk
risiko yang terjaga. Total Aset Bank Umum kembali profile. Total Commercial Bank Assets increased
meningkat 5,87% (yoy) menjadi sebesar Rp11.765,8 again by 5.87% (yoy) to Rp11,765.8 trillion from
triliun dari Rp11.113,3 triliun di akhir tahun 2022, yang Rp11,113.3 trillion at the end of 2022, which was mainly
terutama didukung oleh kenaikan penyaluran kredit supported by an increase in national banking loan
perbankan nasional yang mencatatkan pertumbuhan distribution which recorded growth of 10.38% (yoy) to
sebesar 10,38% (YoY) menjadi sebesar Rp7.090,2 Rp7,090.2 trillion from Rp6,423.5 trillion at the end of
triliun dari sebesar Rp6.423,5 triliun di akhir tahun the previous year. Meanwhile on the savings side, Third
sebelumnya. Sementara di sisi simpanan, Dana Party Funds (TPF) only increased by 3.73% (yoy) to
Pihak Ketiga (DPK) hanya mengalami kenaikan Rp8,457.9 trillion from Rp8,153.5 trillion. Several things
sebesar 3,73% (yoy) menjadi sebesar Rp8.457,9 triliun that influenced the slowdown in TPF growth included
dari sebesar Rp8.153,5 triliun. Beberapa hal yang high DPK growth during the pandemic which resulted
memengaruhi perlambatan pertumbuhan DPK di in a high base effect on DPK growth afterwards.
antaranya yaitu pertumbuhan DPK yang tinggi pada
masa pandemi yang mengakibatkan high base effect
pada pertumbuhan DPK setelahnya
Rasio kecukupan modal (Capital Adequacy Ratio – The national banking Capital Adequacy Ratio (CAR)
CAR) perbankan nasional di akhir 2023 tetap kuat di at the end of 2023 remained strong at 27.65%, better
27,65%, lebih baik dibandingkan posisi akhir tahun than the position at the end of the previous year which
sebelumnya yang berada pada 25,66%. Tingkat was at 25.66%. The profitability level of ROA (Return on
profitabilitas ROA (Return on Asset) mencapai Assets) reached 2.74% and NIM (Net Interest Margin)
2,74% dan NIM (Net Interest Margin) sebesar 4,81%. was 4.81%. Meanwhile, non-performing loans (NPL)
Sementara itu kredit bermasalah / Non Performing remain low, with a gross figure as of December 2023
Loan (NPL) masih tetap terjaga rendah yaitu dengan of 2.19% and a net ratio of 0.75%.
angka gross per Desember 2023 sebesar 2,19% dan
rasio net sebesar 0,75%.
Meski pertumbuhan kredit lebih tinggi dibandingkan Even though loan growth was higher than DPK growth,
dengan pertumbuhan DPK, Loan to Deposit Ratio the Loan to Deposit Ratio of commercial banks was
bank umum masih berada pada posisi optimum di still at an optimum position at 83.83%, an increase
83,83%, meningkat dari posisi 78,78% di akhir tahun from 78.78% at the end of 2022. Banking industry
2022. Likuiditas industri perbankan pada Desember liquidity in December 2023 was still at an adequate
2023 masih dalam level yang memadai dengan level with liquidity ratios far above the level of
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ANALISIS & PEMBAHASAN MANAJEMEN
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TINJAUAN EKONOMI DAN INDUSTRI
Economic and Industry Overview
rasio-rasio likuiditas jauh di atas level kebutuhan supervision requirements. The ratios of Liquid Assets/
pengawasan. Rasio Alat Likuid/Non Core Deposit (AL/ Non Core Deposits (AL/NCD) and Liquid Assets/DPK
NCD) dan Alat Likuid/DPK (AL/DPK) masing-masing (AL/DPK) were each well above their thresholds.
berada jauh di atas threshold-nya.
Dengan demikian nampak bahwa secara umum Thus, it appeared that in general the national banking
industri perbankan nasional menunjukkan kinerja industry was showing good and resilient performance
yang baik dan tangguh meskipun didera berbagai despite being hit by various regional and global
sentimen regional dan global. sentiments.
Tantangan Industri Perbankan Challenges of the Banking Industry
Sepanjang tahun 2023, industri perbankan nasional Throughout 2023, the national banking industry was
tidak lepas dari berbagai tantangan. Berbagai faktor, not free from various challenges. Various factors, both
baik internal maupun eksternal telah dihadapi industri internal and external, have been faced by the national
perbankan nasional untuk mampu menghasilkan banking industry to be able to achieve the expected
pertumbuhan usaha yang diharapkan. business growth.
Tantangan kenaikan suku bunga tentunya menjadi The challenge of rising interest rates was certainly
tantangan terbesar bagi industri perbankan. Kenaikan the biggest challenge for the banking industry. The
suku bunga acuan Bank Indonesia (BI Rate) di Kuartal increase in Bank Indonesia’s benchmark interest
IV 2023 sebagai respons atas kenaikan suku bunga rate (BI Rate) in Q4 2023 in response to rising global
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TINJAUAN EKONOMI DAN INDUSTRI
Economic and Industry Overview
global dan dalam rangka menjaga ketahanan nilai interest rates and in order to maintain exchange rate
tukar, dapat berlanjut apabila bank-bank sentral resilience, could continue if global central banks
global mempertahankan rezim suku bunga tinggi maintain a high interest rate regime to control
untuk mengendalikan inflasi. Kenaikan suku bunga inflation. A further increase in the benchmark interest
acuan lebih lanjut dapat mendorong kenaikan suku rate could lead to an increase in bank loan interest
bunga kredit perbankan yang tentunya berimbas rates, which of course will have an impact on business
pada keputusan ekspansi usaha para pelaku expansion decisions of business owners, which would
bisnis sehingga dapat mempengaruhi target-target influence the loan growth targets.
pertumbuhan kredit.
Selain itu, potensi kenaikan suku bunga kredit pada Apart from that, the potential increase in loan
Kredit Pemilikan Rumah (KPR) dapat mendorong interest rates on Home Ownership Loans (KPR) could
peningkatan jumlah kredit macet yang pada encourage an increase in the number of bad loans
gilirannya dapat berimbas pada sektor properti. which in turn could have an impact on the property
Namun demikian potensi ini telah diantisipasi oleh sector. However, this potential has been anticipated
pemerintah salah satunya dengan meluncurkan by the government, one of which was by launching
insentif untuk pembelian rumah berupa pembebasan incentives for house purchases in the form of an 11%
pajak pertambahan nilai (PPN) 11% untuk pembelian value added tax (VAT) exemption for house purchases
rumah dengan harga di bawah Rp2 miliar. Dengan priced under Rp2 billion. Thus, the government will
demikian, pemerintah akan menanggung 100% pajak cover 100% of the tax until June 2024 and 50% of the
tersebut hingga Juni 2024 dan 50% pajak pada Juni- tax in June-December 2024.
Desember 2024.
Hal lain yang juga berkaitan dengan tingkat suku Another thing that was also related to loan interest rates
bunga kredit adalah bahwa perbankan harus terus was that banks must continue to strive to maintain
berupaya menjaga kualitas kredit agar tingkat kredit credit quality so that the level of non-performing
bermasalah dapat tetap terjaga rendah. Berdasarkan loans can be kept low. Based on Indonesian Banking
data Statistik Perbankan Indonesia yang diterbitkan Statistics data published by the OJK, the value of Non-
OJK, nilai Non Performing Loan (NPL) di akhir Performing Loans (NPL) at the end of December 2023
Desember 2023 masih dapat terjaga pada level 2,19% could still be maintained at the level of 2.19% gross
gros dan 0,75% net. and 0.75% net.
Perbankan nasional juga dihadapkan pada potensi National banks also faced the potential market risks
risiko pasar berupa depresiasi nilai tukar Rupiah in the form of depreciation of the Rupiah exchange
terhadap dolar Amerika Serikat (AS) yang diperkirakan rate against the United States (US) dollar which
mengarah ke lebih dari Rp16.000/USD. Antisipasi was estimated to reach more than IDR 16,000/USD.
akan hal ini nampak dilakukan perbankan nasional National banks appeared to be anticipating this by
dengan menjaga Posisi Devisa Neto (PDN) di 1,44%, maintaining the Net Open Position (PDN) at 1.44%, far
jauh di bawah ambang batas 20%. below the 20% threshold.
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ANALISIS & PEMBAHASAN MANAJEMEN
Management Discussion And Analysis
PROSPEK USAHA PERSEROAN
The Company’s Business Prospects
Dengan kinerja yang cukup baik di tahun Having an impressive performance in 2023, the
2023, Perseroan tetap melihat bahwa prospek Company still sees that business growth prospects
pertumbuhan usaha di tahun 2024 akan tetap in 2024 will remain good and the Company believes
baik dan Perseroan meyakini dapat melanjutkan it can continue the growth momentum as in 2023.
momentum pertumbuhan sebagaimana tahun 2023. However, the Company also realizes that 2024 will
Namun demikian Perseroan juga menyadari bahwa not be free from challenges, both domestic as well as
tahun 2024 tidak lepas dari tantangan, baik dari regional and global challenges.
dalam negeri, maupun tantangan regional dan global.
Untuk tahun 2024, Bank Dunia memperkirakan bahwa For 2024, the World Bank estimated that global
pertumbuhan ekonomi global tidak akan setinggi economic growth will not be as high as in 2023,
tahun 2023 yaitu akan tumbuh 2,4% (yoy) (Tahun namely it will grow 2.4% (yoy) (in 2023 it will be 2.6%).
2023 sebesar 2,6%). Bank Dunia juga memperkirakan The World Bank also estimated that economic growth
bahwa pertumbuhan ekonomi negara-negara in developing countries will only reach 3.9% (yoy), or
berkembang hanya akan mencapai 3,9% (yoy), atau lower more than 1% compared to the average growth
turun lebih dari 1% dibanding rata-rata pertumbuhan in the previous decade. Meanwhile, for developed
pada dekade sebelumnya. Sedangkan untuk negara countries, the World Bank predicted economic growth
maju, Bank Dunia memprediksi pertumbuhan at 1.2% (yoy), or lower than last year’s projection of
ekonominya di level 1,2% (yoy), atau lebih rendah dari 1.5%. Geopolitical tensions in Europe between Russia
proyeksi tahun lalu yang sebesar 1,5%. Ketegangan and Ukraine, and in the Middle East, between Israel
geopolitik di Eropa antara Rusia dan Ukraina, dan and Palestine, will begin to drag a number of other
di Timur Tengah, antara Israel dan Palestina, akan parties and countries into the war. The war will have
mulai menyeret sejumlah pihak dan negara lain an impact on the pace of global trade which will slow
terlibat dalam perang tersebut. Perang tersebut akan down in 2024 and will only reach half of the average
berdampak pada laju perdagangan global yang akan global trade growth in the pre-pandemic decade.
melambat di tahun 2024 dan hanya akan mencapai
setengah dari rata-rata pertumbuhan perdagangan
global pada dekade pra-pandemi.
Sementara itu, International Monetary Fund (IMF) Meanwhile, the International Monetary Fund (IMF)
memperkirakan bahwa tingkat suku bunga acuan estimated that the global benchmark interest rate will
global akan tetap tinggi di tahun 2024, bahkan remain high in 2024, possibly even lasting until 2025.
kemungkinan akan bertahan hingga 2025. Kondisi This condition will have consequences for developing
ini akan memberikan konsekuensi bagi negara- countries, including ASEAN, which will experience an
negara berkembang termasuk ASEAN yang akan increase in costs of money and pressure on currencies,
mengalami kenaikan biaya atau cost of money dan because developed countries, especially the United
tekanan terhadap mata uang, karena negara-negara States (US) and Europe, are still maintaining high
maju terutama Amerika Serikat (AS) dan Eropa interest rates to fight against inflation that is difficult
masih mempertahankan suku bunga tinggi untuk to control.
memerangi inflasi yang sulit terkendali.
Meskipun dibayangi pesimisme regional dan global, Even though it is overshadowed by regional and global
Pemerintah dan Bank Indonesia masih dapat melihat pessimism, the Government and Bank Indonesia (The
bahwa pertumbuhan ekonomi nasional akan mampu Central Bank) still see that national economic growth
tumbuh baik hingga kisaran 5%. will be able to grow well up to around 5%.
Bank Indonesia (BI) optimistis bahwa pertumbuhan Bank Indonesia (BI) is optimistic that Indonesia’s
ekonomi Indonesia di tahun 2024 akan berada di economic growth in 2024 will be above 5%, with
atas 5%, dengan proyeksi dalam rentang 4,7% hingga projections in the range of 4.7% to 5.5%. This optimism
5,5%. Optimisme tersebut didasarkan pada kinerja is based on the performance of the Indonesian
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perekonomian Indonesia yang terus menunjukkan economy which continues to show improvement,
perbaikan, terutama capaian pertumbuhan ekonomi especially the achievement of national economic
nasional di tahun 2023 yang mencapai 5,05%, yang growth in 2023 which reached 5.05%, which was one
merupakan salah satu yang terbaik di dunia. Selain of the best in the world. Apart from that, inflation in
itu, inflasi di tahun 2023 juga tetap terkendali dalam 2023 also remained under control within the target
kisaran targetnya yang tercatat sebesar 2,61% (yoy), range which was recorded at 2.61% (yoy), which was
yang juga termasuk salah satu yang terendah di dunia. also one of the lowest in the world. Indonesia also
Indonesia juga mengalami surplus perdagangan experienced a trade surplus in December 2023 which
pada Desember 2023 lalu yang tercatat sebesar was recorded at USD3.3 billion, which was influenced
USD3,3 miliar yang dipengaruhi oleh kinerja ekspor by the performance of Indonesia’s main commodity
komoditas utama Indonesia yang tetap kuat sehingga exports which remained strong so that it was able
mampu menjaga ketahanan eksternal. Posisi to maintain external resilience. Indonesia’s foreign
cadangan devisa Indonesia pada akhir Desember exchange reserve position at the end of December
2023 juga naik menjadi USD146,4 miliar, atau setara 2023 also increased to USD146.4 billion, or equivalent
dengan pembiayaan 6,7 bulan impor atau 6,5 bulan to financing 6.7 months of imports or 6.5 months of
impor dan pembayaran utang luar negeri pemerintah, imports and paying government foreign debt, and was
serta berada di atas standar kecukupan internasional. above international adequacy standards.
Terkait dengan Anggaran Pendapatan dan Belanja Regarding the 2024 State Revenue and Expenditure
Negara (APBN) Tahun 2024, Pemerintah dan DPR Budget (APBN), the Government and DPR (Parliament)
RI telah menyepakati asumsi dasar ekonomi makro have agreed on the basic macroeconomic
pada APBN 2024 yang juga menampakkan optimisme assumptions in the 2024 APBN which also showed
pertumbuhan di tahun 2024 yaitu: optimism for growth in 2024, namely:
• Pertumbuhan ekonomi sebesar 5,2%, • Economic growth of 5.2%,
• Inflasi yang terkendali sebesar 2,8%, • Controlled inflation of 2.8%,
• Nilai tukar rupiah sebesar Rp15.000/US$, • The rupiah exchange rate is IDR 15,000/US$,
• Suku bunga SBN 10 tahun sebesar 6,7%, • The 10-year SBN (Government Bond) interest rate
is 6.7%,
• Harga minyak dunia (ICP) sebesar US$82/Barel, • World oil price (ICP) is US$ 82/Barrel,
• Lifting minyak sebesar 635 ribu barel per hari, • Oil lifting of 635 thousand barrels per day,
• Lifting gas sebesar 1,033 juta barel setara minyak • Gas lifting of 1.033 million barrels of oil equivalent
per hari. per day.
Selain indikator makroekonomi di atas, tahun 2024 Apart from the macroeconomic indicators above,
juga akan diwarnai pesta demokrasi, baik Pemilihan 2024 will also be marked by the democratic festivities,
Legislatif (Pileg), Pemilihan Presiden (Pilpres), dan including Legislative Elections (Pileg), Presidential
Pemilihan Kepala Daerah (Pilkada), serta di bulan Elections (Pilpres), and Regional Head Elections
Oktober akan dilantik kepala pemerintahan yang (Pilkada), and in October a new head of government
baru. Kemeriahan pesta demokrasi ini sekurang- will be inaugurated. The excitement of this democratic
kurangnya juga berdampak pada kegiatan ekonomi festivities will at least have an impact on the
masyarakat yang diharapkan cenderung positif. community’s economic activities which are expected
to tend to be positive.
Dengan demikian maka Perseroan berkesimpulan Thus, the Company concludes that the optimism for
bahwa optimisme pertumbuhan ekonomi nasional national economic growth and the political process
dan proses politik yang diperkirakan akan berlangsung which is expected to take place peacefully will be a
damai ini akan menjadi katalis yang signifikan bagi significant catalyst for the prospects of the national
prospek industri perbankan nasional yang juga banking industry which will also have an impact on the
akan berdampak pula pada prospek pertumbuhan Company’s growth prospects which is still promising
Perseroan yang masih menjanjikan di tahun 2024 in 2024.
mendatang.
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ANALISIS & PEMBAHASAN MANAJEMEN
Management Discussion And Analysis
ASPEK PEMASARAN
Marketing Aspect
Dengan berakhirnya masa pandemi Covid-19 di akhir The end of the Covid-19 pandemic period at the end
2022, membuat tahun 2023 menjadi era baru bagi of 2022, 2023 was a new era for banking marketing
strategi pemasaran perbankan karena berbagai strategies because physical interaction limitation
batasan interaksi fisik yang semakin berkurang. was gradually decreased. Under these conditions,
Dengan kondisi ini perbankan nasional memiliki national banks have the freedom to carry out market
keleluasaan dalam melakukan langkah penetrasi penetration steps and carry out various marketing
pasar dan melakukan berbagai kegiatan pemasaran activities which may have previously been very limited.
yang mungkin sebelumnya sangat terbatas.
Di tahun 2023, Perseroan mengidentifikasi berbagai In 2023, the Company identified various opportunities
peluang yang dapat dioptimalnya pada berbagai that it can optimize in various segments to be able to
segmen untuk mampu menopang pertumbuhan support business growth. From this identification, the
usaha. Dari identifikasi ini, Perseroan kemudian Company then developed a comprehensive business
menyusun strategi bisnis secara komprehensif strategy including a marketing strategy that was
termasuk di dalamnya strategi pemasaran yang appropriate to the intended target market.
sesuai dengan target market yang dituju.
Strategi Pemasaran Marketing Strategy
Perseroan menerapkan strategi pemasaran yang The Company implemented a marketing strategy
bertumpu pada metode segmenting, targeting dan that relies on segmenting, targeting and positioning
positioning yang dirumuskan Perseroan, yaitu dengan: methods formulated by the Company, namely by:
1. Membagi pasar menjadi beberapa segmen yang 1. Divide the market into several segments that
memiliki potensi dan karakter yang berbeda yang have different potential and characteristics, then
kemudian dilanjutkan pada pemilihan segmen proceed to selecting which market segments the
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pasar mana saja yang hendak menjadi target Company wishes to target. In accordance with
Perseroan. Sesuai dengan visi dan misinya, maka its vision and mission, the Company targets the
Perseroan menarget pangsa pasar retail, Usaha retail market share, Micro, Small and Medium
Mikro Kecil dan Menengah (UMKM), dan sebagian Enterprises (MSMEs), and some of the medium &
pada segmen medium & large commercial. large commercial segments.
2. Tahap selanjutnya adalah penyusunan produk 2. The next stage was preparing appropriate products
dan layanan yang tepat sesuai masing-masing and services according to each selected segment.
segmen yang dipilih.
3. Sesuai Unique Selling Proposition yang dimiliki 3. In accordance with the Company’s Unique
Perseroan untuk masing-masing segmen Selling Proposition for each market segment,
pasar, maka Perseroan kemudian menetapkan the Company then determined the appropriate
positioning yang tepat dalam mengkomunikasi- positioning in communicating its products and
kan produk dan layanannya. services.
4. Perseroan melakukan upaya peningkatan 4. The Company made efforts to increase the
kompetensi jajaran pemasaran, customer services competency of marketing and customer services
agar memiliki kemampuan yang memadai dalam staff so that they have adequate capabilities in
mengimplementasikan strategi pemasaran implementing the Company’s marketing strategy.
Perseroan.
5. Selain itu, pengembangan dan inovasi teknologi 5. In addition, technological development and
dilakukan secara kontinyu untuk mampu men- innovation was carried out continuously to be
deliver produk dan layanan sesuai dengan able to deliver products and services according
karakteristik target pasarnya. Pada segmen retail to the characteristics of the target market. In
misalnya, hal ini dilakukan dengan pengkinian dan the retail segment, for example, this was done
pengembangan pada aplikasi Mobile Banking/ by updating and developing the Mobile Banking
superapp yang memiliki fitur-fitur yang sesuai application / super-app which has features that
dengan perkembangan gaya hidup masyarakat. suit developments in people’s lifestyles.
6. Dalam rangka memperluas penetrasi pasar, 6. In order to expand market penetration, the
Perseroan terus mengembangkan kolaborasi Company continued to develop collaborations with
dengan berbagai institusi, baik perusahaan various institutions, including start-up companies,
rintisan (start up), lembaga pemerintah, swasta, government institutions, the private sector and
dan perusahaan lainnya guna memperluas akses other companies to expand public access to the
masyarakat pada produk dan layanan Perseroan, Company’s products and services, in this case
dalam hal ini untuk produk seperti Kredit Usaha for products such as Kredit Usaha Rakyat, QRIS
Rakyat, layanan merchant QRIS, dan layanan merchant services, and open API-based services
berbasis open API (open banking). (open banking).
Komunikasi Pemasaran Marketing Communications
Perseroan membangun komunikasi kepada The Company built communication to the public and
masyarakat dan target market mengenai produk target market regarding the Company’s products and
dan layanan Perseroan secara efektif dan efisien. services effectively and efficiently. The advantages
Keunggulan dan manfaat produk dan layanan and benefits of products and services were clearly
disampaikan secara jelas melalui materi pemasaran conveyed through marketing materials (marketing
(marketing collateral) dan melalui kanal informasi collateral) and through the Company’s information
milik Perseroan seperti laman situs Perseroan, channels such as the Company’s website, TV
layar TV di jaringan kantor, layar ATM dan lain-lain. screens on office networks, ATM screens and so
Sesuai dengan Peraturan Otoritas Jasa Keuangan on. In accordance with the Republic of Indonesia
Republik Indonesia Nomor 6/POJK.07/2022 Tentang Financial Services Authority Regulation Number 6/
Perlindungan Konsumen Dan Masyarakat di Sektor POJK.07/2022 concerning Consumer and Public
Jasa Keuangan, salah satu aspek dalam Perlindungan Protection in the Financial Services Sector, one aspect
Konsumen dan masyarakat di sektor jasa keuangan of consumer and public protection in the financial
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ANALISIS & PEMBAHASAN MANAJEMEN
Management Discussion And Analysis
ASPEK PEMASARAN
Marketing Aspect
adalah keterbukaan dan transparansi informasi. services sector is the information openness and
Lebih jauh pada pasal 16 ayat 1 menegaskan transparency. Furthermore, article 16 paragraph 1
bahwa Pelaku Usaha Jasa Keuangan (PUJK) wajib confirmed that Financial Services Business Actors
menyediakan informasi mengenai produk dan/atau (PUJK) are obliged to provide information regarding
layanan yang jelas, akurat, benar, mudah diakses, products and/or services that is clear, accurate,
dan tidak berpotensi menyesatkan Konsumen. correct, easy to access, and does not have the
Dengan berpedoman pada ketentuan tersebut, maka potential to mislead consumers. Guided by these
Perseroan menyusun strategi komunikasi pemasaran provisions, the Company has developed an effective
efektif dengan memberikan penjelasan produk marketing communications strategy by providing
secara komprehensif dan jelas sehingga mudah comprehensive and clear product explanations so
dipahami oleh masyarakat luas. that they were easily understood by the wider public.
PENGEMBANGAN JARINGAN KANTOR OFFICE NETWORK DEVELOPMENT
Di tahun 2023, Perseroan melakukan pengembangan In 2023, the Company expanded its office network on
jaringan kantor secara terbatas. Perseroan lebih a limited basis. The Company was more focused on
fokus pada peningkatan kinerja dari masing-masing improving the performance of each operating office
jaringan kantor yang telah beroperasi. Kemampuan network. The capabilities of operational and marketing
tenaga operasional dan pemasar menjadi fokus personnel are the Company’s main focus so that the
utama Perseroan agar kontribusi masing-masing contribution of each office network to bank-wide
jaringan kantor pada pertumbuhan usaha secara business growth can continue to be improved.
bankwide dapat terus ditingkatkan.
Terbatasnya pengembangan jaringan kantor tidak The limited development of the office network
lepas dari strategi Perseroan untuk memperkuat cannot be separated from the Company’s strategy
layanan digital yang dapat diakses di mana pun dan to strengthen digital services that can be accessed
kapan pun. Langkah kolaborasi Perseroan dengan anywhere and at any time. The Company’s
berbagai institusi yang memiliki pangsa pasar di collaboration with various institutions that have
berbagai lokasi di Indonesia juga telah memperluas market shares in various locations in Indonesia
akses masyarakat pada produk dan layanan have also expanded public access to the Company’s
Perseroan, tanpa Perseroan perlu membuka jaringan products and services, without the Company needing
kantor di suatu lokasi. to open an office network in one location.
Dengan demikian sampai akhir tahun 2023 Perseroan Thus, by the end of 2023 the Company will have 119
memiliki 119 kantor (2022: 117) kantor yang tersebar di offices (2022: 117 offices) spread across 55 cities in
55 kota di 29 provinsi di seluruh Indonesia. Perseroan 29 provinces throughout Indonesia. The Company
tentunya berharap bahwa kehadiran masing- certainly hopes that the presence of each office in
masing kantor di area tersebut mampu memberikan these areas will be able to contribute to the regional
kontribusi pada perekonomian daerah dan economy and support improving community welfare.
mendukung peningkatan kesejahteraan masyarakat.
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PENGHIMPUNAN DANA PIHAK KETIGA
THIRD-PARTY FUNDS ACQUISITION
Pertumbuhan Ekonomi di tahun 2023 yang The projected increase in economic growth in 2023,
diproyeksikan meningkat serta didukung dengan supported by the reopening of many international
telah banyaknya batas antar Negara yang dibuka, borders, has revitalized the real sector despite facing
menjadikan sektor riil semakin menggeliat walaupun conditions of rising benchmark interest rates, primarily
dihadapkan pada kondisi peningkatan suku bunga by the United States Federal Reserve (The Fed).
acuan terutama oleh Bank Sentral Amerika (The Fed).
Peningkatan Suku Bunga Bank Sentral Amerika The peak of the Federal Reserve’s interest rate hikes in
mencapai puncaknya pada kuartal 4, 2023 sehingga the fourth quarter of 2023 prompted Bank Indonesia
memberikan imbas kepada Bank Indonesia untuk to implement a policy to increase the Benchmark
melakukan kebijakan peningkatan Suku Bunga Interest Rate (BI Rate) to reach 6.00% in November
Acuan (BI Rate) hingga mencapai titik 6.00% di 2023. This situation significantly impacted the
Bulan November 2023. Tentunya hal ini berdampak acquisition of Third-Party Funds, where competition
signifikan dalam penghimpunan Dana Pihak Ketiga, became increasingly fierce towards the year-end.
yang mana persaingan & kompetisi semakin sengit
menjelang penutupan tahun.
Perseroan menjadi salah satu bank yang The Company was one of the banks that recorded
mencatatkan peningkatan Jumlah Saldo Dana Pihak an increase in the Total Balance of Third-Party Funds
Ketiga (DPK) di sepanjang tahun 2023. Secara year- (TPF) throughout 2023. Year-on-year (YoY), TPF grew
on-year (YoY), DPK bertumbuh sebesar 18,4% yang by 18.4%, supported by a healthy CASA Ratio at the
dukung dengan CASA Ratio yang baik di level 41%. 41% level. Generally, the increase in CASA Balance
Secara umum, peningkatan Saldo CASA pada kuartal in the fourth quarter to the year-end contributed
4 hingga penutupan tahun berkontribusi signifikan significantly to this.
terhadap hal ini.
Pertumbuhan CASA di tahun 2023 ini tidak lepas The CASA growth in 2023 was supported by the
dari dukungan dan Strategi Perseroan untuk Company’s strategy to develop digital channels as
mengembangkan kanal Digital sebagai sarana a means of acquisition and to expand cross-selling
akuisisi serta memperluas penjualan silang antar among Customers within the portfolio. Key activities
Nasabah di dalam portofolio. Aktivitas kunci dari of this strategy include the renewal of the NobuNeo
strategi tersebut adalah Pembaharuan aplikasi application, adding a mix of Savings Products that
NobuNeo, Penambahan bauran Produk Tabungan can be opened through the NobuNeo platform, and
yang dapat dibuka melalui platfom NobuNeo, serta cross-selling from Mortgage Loan Customers and
Penjualan silang dari Nasabah-Nasabah Kredit upselling to potential Customers.
Pemilikan Rumah dan Peningkatan Penjualan
(upselling) kepada Nasabah potensial.
Di luar dari aktivitas-aktivitas kunci tersebut, Perseroan Beyond these key activities, the Company continues to
tetap mengembangkan layanan penggajian (payroll) develop payroll services for companies, both within and
pada perusahaan-perusahaan, baik di dalam maupun outside the Company’s business group. The Company
di luar lingkup kelompok usaha Perseroan. Perseroan sees that providing payroll services to companies still
melihat bahwa penyediaan layanan penggajian bagi has significant potential for development.
perusahaan-perusahaan masih memiliki potensi
yang cukup besar untuk dikembangkan.
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Potensi lain yang terus dikembangkan dan Another potential that the Company continued to
direalisasikan Perseroan pada tahun 2023 adalah develop and realize in 2023 is the potential funds
potensi dana hasil transaksi dari ratusan ribu mitra from transactions of hundreds of thousands of QRIS
merchant QRIS yang secara bertahap menunjukkan merchant partners, which gradually indicated an
peningkatan nilai transaksi dari waktu ke waktu. increase in transaction value over time. To drive the
Untuk mendorong pertumbuhan saldo dana yang growth of dormant funds from these QRIS merchants,
mengendap dari merchant QRIS tersebut, Perseroan the Company signed a cooperation agreement with
menanda tangani kerja sama dengan Jalin. Jalin.
Dengan kerja sama tersebut, mitra merchant QRIS With this cooperation, QRIS merchant partners can
dapat melakukan pengelolaan transaksi QRIS easily manage QRIS transactions through the Nobu
dengan mudah melalui layanan Nobu Merchant Merchant Business (NMB) service or the continuously
Business (NMB) maupun jaringan Jalin yang terus developed Jalin network. Going forward, the Company
dikembangkan. Ke depan Perseroan akan terus will continue to develop this merchant business
mengembangkan potensi bisnis merchant ini karena potential, which still has considerable room for growth,
potensi pengembangannya masih cukup luas, particularly among MSMEs across Indonesia.
terutama dari pelaku UMKM di seluruh Indonesia.
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PENGEMBANGAN LAYANAN DIGITAL
DIGITAL SERVICE DEVELOPMENT
Transformasi digital merupakan salah satu strategi In response to the rapid development of digital
pengembangan usaha Perseroan sebagai respons technology in every aspect of Indonesian people’s lives,
atas perkembangan teknologi digital yang begitu including banking services, digital transformation is
pesat pada setiap aspek kehidupan masyarakat one of the key business development strategies that
Indonesia, tak terkecuali pada layanan perbankan. the Company is pursuing. In recent years, the Company
Untuk itu selama beberapa tahun terakhir Perseroan has been gradually developing digital services to
telah melakukan pengembangan layanan digital remain relevant amidst the intense competition in the
secara bertahap untuk mampu tetap relevan di banking industry. A digital transformation blueprint
tengah persaingan industri perbankan yang begitu has been prepared that will be implemented in the
ketat. Strategi pengembangan digital telah disusun next five years, which outlines various digital service
dalam suatu blueprint transformasi digital yang akan initiatives to cater to the Company’s intended market
diimplementasikan dalam lima tahun ke depan. segments, namely the Corporate, MSME and retail
Blueprint ini memuat berbagai inisiatif layanan digital segments.
yang disiapkan untuk memenuhi kebutuhan segmen
pasar yang dituju Perseroan yaitu segmen Korporasi,
UMKM dan retail.
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• Layanan Digital Segmen Retail • Digital Services for Retail Segment
Sebagai komitmen Perseroan dalam mendukung As part of the Company’s commitment to
keberlanjutan penyediaan layanan digital supporting the sustainability of providing
terintegrasi bagi segmen retail yang tetap integrated digital services for the retail segment
relevan dengan kebutuhan masyarakat saat that remains relevant to current community needs,
ini, baik secara fitur layanan, maupun dari User both in terms of service features and a fresh User
Interface/User Experience (UI/UX) yang fresh Interface/User Experience (UI/UX) suitable for
sehingga dapat digunakan untuk pengguna users across all generations, including millennials,
di segala generasi baik milenial dan generasi Generation Z, and earlier generations. In 2023, the
Z maupun generasi sebelumnya. Pada tahun Company undertook various developments of new
2023, Perseroan melakukan berbagai macam digital products and established collaborations
pengembangan produk digital baru dan menjalin with technology partners.
kolaborasi dengan partner teknologi
Dengan pengembangan dan kolaborasi ini Through this development and collaboration,
memungkinkan Perseroan memanfaatkan the Company can leverage services from other
layanan dari partner lain untuk memberikan partners to offer ease and convenience of
akses kemudahan dan kenyamanan transaksi transaction for its customers, anywhere and
bagi nasabahnya dimanapun dan kapan saja. anytime. As a result, the company’s customers can
Dengan demikian, nasabah dapat memanfaatkan make use of various transaction features, such
layanan perbankan seperti pembukaan rekening, as account opening, fund transfer, time deposit
transfer, time deposit, pembayaran QRIS sampai opening, QRIS payment to other services such as
layanan lainnya seperti Tarik tunai tanpa kartu dan cardless card withdrawals and biller payments.
pembayaran biller.
Ke depannya Perseroan akan terus melakukan Going forward the Company will continue to
inovasi dan kolaborasi berkelanjutan dalam innovate and do collaboration to complete and
rangka melengkapi dan meningkatkan layanan improve digital banking services.
perbankan digital
• Layanan Digital Segmen UMKM • Digital Services for MSME Segment
Untuk segmen UMKM, di tahun 2023 Perseroan In 2023, the Company continue to add new
terus menambahkan fitur unggulan untuk dapat features that can support MSME communities in
menjadi aplikasi yang lebih baik dan dapat their business development with various features
mendukung para pelaku UMKM dengan berbagai such as new complete dashboard features, same
fitur untuk pengembangan bisnis mereka seperti day settlement, and agent banking features.
fitur dashboard yang lebih lengkap, pencairan The additional service application is expected
di hari yang sama, dan fitur agent banking. to transform digital services for MSMEs into a
Penambahan fitur yang lebih baik diharapkan powerful application that can offer significant
membuat layanan digital untuk UMKM kelak akan benefits for MSME communities throughout
menjelma menjadi aplikasi yang sangat powerful Indonesia.
yang dapat memberikan manfaat yang besar bagi
para pelaku UMKM di seluruh Indonesia.
• Layanan Digital Segmen Corporate • Digital Services for Corporate Segment
Perseroan telah menyediakan layanan corporate The company has provided a corporate internet
internet banking yang disebut NobuLink bagi banking service called NobuLink for corporate
Nasabah institusi (corporate) yang akan customers that will help customers manage their
membantu Nasabah mengelola keuangannya. finances. In 2023, the Company is renewing its
Di tahun 2023 Perseroan sedang melakukan
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pembaharuan layanan dan terus melakukan services and continuing to carry out Open API
pengembangan berkelanjutan untuk layanan (Application Programming Interface) development.
berbasis Open API (Application Programming
Interface) atau disebut open banking.
Dengan pengembangan layanan corporate Through this new corporate internet banking and
internet banking yang baru dan integrasi dengan integration with open banking services, it is possible
layanan open banking memungkinkan variasi to provide a wide variety of services to offer ease
layanan yang beragam untuk memberikan and convenience of transaction for its customers,
akses kemudahan dan kenyamanan transaksi anywhere and anytime. As a result, the company’s
bagi nasabahnya dimanapun dan kapan saja. customers can make user of various transaction
Dengan demikian, nasabah dapat memanfaatkan features, such as payroll management & transfer,
layanan seperti payroll management & transfer, application-based token, virtual accounts, liquidity
token berbasis aplikasi, virtual account, liquidity management and biller payments.
management dan pembayaran biller.
Pengembangan aplikasi diharapkan membuat The application development is expected to
layanan digital yang baik memberikan manfaat transform digital service and significant benefit for
besar untuk korporasi. corporate customer.
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PENYALURAN KREDIT
LOAN DISTRIBUTION
Momentum pertumbuhan ekonomi Nasional pasca The momentum of national economic growth after
pandemi yang menunjukkan trend membaik menjadi the pandemic, which shows an improving trend, has
katalis pertumbuhan industri perbankan nasional. become a catalyst for the growth of the national
Kemeriahan pesta demokrasi berupa Pemilihan banking industry. The excitement of the democratic
Legislatif (Pileg) dan Pemilihan Presiden (Pilpres) party in the form of the Legislative Election (Pileg) and
yang prosesnya dimulai sejak pertengahan 2022 yang Presidential Election (Pilpres), the process of which
semakin menghangat di kuartal keempat tahun 2023 began in mid-2022, which then became increasingly
juga menjadi salah satu pendorong meningkatnya heated in the fourth quarter of 2023, was also one of
optimisme masyarakat akan prospek ekonomi the drivers of increasing public optimism regarding
Nasional yang akan semakin membaik. the national economic prospects which will continue
to improve.
Dalam tahun 2023, Perseroan berupaya In 2023, the Company sought to optimize various
mengoptimalkan berbagai peluang dalam penyaluran opportunities in loan distribution while still prioritizing
kredit dengan tetap mengedepankan aspek kehati- the prudent aspect so that growth can still be
hatian agar pertumbuhan tetap tercapai, namun achieved, but the Non-Performing Loan rate remains
angka Non-Performing Loan tetap terjaga rendah. low. In accordance with the Company’s capacity and
Sesuai dengan kapasitas dan kompetensi Perseroan, competence, the Company optimizes loan distribution
maka Perseroan mengoptimalkan penyaluran to certain economic sectors that show quite good
kredit pada sektor-sektor ekonomi tertentu yang growth capabilities.
menunjukkan kemampuan bertumbuh yang cukup
baik.
a. Pengembangan Segmen Mikro & Retail a. Micro & Retail Segment Development
Pada segmen mikro Perseroan fokus pada In the micro segment, the Company focused on
penyaluran Kredit Usaha Rakyat (KUR), baik distributing People’s Business Credit (KUR), both
untuk KUR Mikro maupun KUR Kecil yang telah for Micro KUR and Small KUR, which the Company
dilakukan Perseroan sejak tahun 2019. Penyaluran has carried out since 2019. KUR distribution was
KUR dilakukan melalui channel organik yaitu carried out through organic channels, namely
jaringan distribusi kantor Perseroan yang tersebar the distribution network of the Company’s offices
di seluruh Indonesia, dan melalui mitra sinergis spread throughout Indonesia, and through
Perseroan yang memiliki jaringan/kelompok synergistic partners that has a fairly extensive
pelaku usaha mikro yang cukup luas. Penyaluran network/group of micro business owners. KUR
KUR melalui mitra sinergis terus dikembangkan distribution through synergistic partners continues
dengan memperluas kerja sama dengan berbagai to be developed by expanding cooperation with
pihak sehingga para pelaku usaha mikro dapat various parties so that micro business owners can
memperoleh kemudahan dalam mengakses find it easier to access capital needs. The Company
kebutuhan permodalan. Kemitraan ini akan terus will continue to develop this partnership in the
dikembangkan Perseroan ke depan terutama future, especially those with a digital ecosystem
yang memiliki ekosistem digital yang terdiri dari consisting of micro business owners who basically
pelaku usaha mikro yang pada dasarnya sangat really need access to capital with easier process.
membutuhkan akses permodalan dengan Throughout 2023 the Company has distributed
pemrosesan yang lebih mudah. Sepanjang tahun
2023 Perseroan telah menyalurkan lebih dari
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Rp480 miliar KUR kepada hampir 3.000 pelaku more than Rp480 billion KUR to nearly 3,000 micro
usaha mikro dan kecil di seluruh Indonesia. and small business owners throughout Indonesia.
Perseroan secara bertahap juga terus The Company also gradually continues to develop
mengembangkan kredit retail yang dipasarkan retail loan which was marketed as one of the
sebagai salah satu keunggulan yang menyertai advantages that accompanies payroll savings
fasilitas rekening tabungan penggajian (payroll). account facilities. Through collaboration with
Melalui kerja sama dengan berbagai perusahaan various companies that already use payroll
yang telah menggunakan layanan penggajian, services, the Company can provide retail loan
maka Perseroan dapat menyediakan fasilitas facilities (Unsecured Credit/KTA) to the company’s
kredit retail (Kredit Tanpa Agunan/KTA) kepada employees for various needs.
para karyawan perusahaan tersebut untuk
berbagai kebutuhan.
b. Pengembangan Segmen Usaha Kecil & b. Developing the Small & Medium Enterprises
Menengah (UKM) & Komersial (SMEs) & Commercial Segment
Untuk penyaluran kredit pada segmen UKM dan For loan distribution to the SME and commercial
komersial, Perseroan mengoptimalkan peluang segments, the Company optimized growth
pertumbuhan pada sekter-sektor tertentu yang opportunities in certain sectors that appear quite
Nampak cukup tangguh terutama di saat krisis. resilient, especially during times of crisis. The
Sektor perdagangan, manufaktur dan jasa trade, manufacturing and service sectors were the
menjadi sektor-sektor pilihan yang dikembangkan selected sectors developed by the Company while
Perseroan dengan tetap memperhatikan aspek keep paying attention to prudent aspects and
kehati-hatian dan pengelolaan risiko yang adequate risk management. The Company still
memadai. Perseroan masih melihat bahwa sektor- saw that these sectors have quite high resilience,
sektor ini memiliki ketahanan yang cukup tinggi especially types of business related to the
terutama jenis-jenis usaha yang berkaitan dengan distribution of Nine Basic Needs (Sembako) and
distribusi Sembilan Bahan Pokok (Sembako) dan Fast Moving Consumer Goods (FMCG) because
Fast Moving Consumer Goods (FMCG) karena they relate to the needs of the wider community.
berhubungan dengan kebutuhan masyarakat luas. Market penetration was carried out through the
Penetrasi pasar dilakukan melalui jaringan kantor Company’s network of offices spread throughout
Perseroan yang tersebar di seluruh Indonesia oleh Indonesia by marketers who have adequate
tenaga pemasar yang memiliki kapabilitas yang capabilities so that they were able to explore the
memadai sehingga mampu menggali kebutuhan needs of business owners in developing their
para pelaku usaha dalam mengembangkan businesses.
usahanya.
c. Pengembangan Segmen Konsumer c. Consumer Segment Development
Data Bank Indonesia menunjukkan bahwa Bank Indonesia (Central Bank) data showed that
pertumbuhan penjualan properti residensial di residential property sales growth in the primary
pasar primer pada triwulan IV 2023 meningkat market in the fourth quarter of 2023 increased
cukup tinggi dibanding triwulan sebelumnya, yaitu quite significantly compared to the previous
sebesar 3,27% (yoy), jauh membaik dari triwulan quarter, namely 3.27% (yoy), much better than the
sebelumnya yang mengalami kontraksi sebesar previous quarter which experienced a contraction
6,59% (yoy). Sementara itu, hasil survei juga of 6.59% (yoy). Meanwhile, the survey results also
menunjukkan bahwa dari sisi konsumen, skema showed that from the consumer side, the primary
pembiayaan pembelian rumah primer dengan home purchase financing scheme using Home
menggunakan Kredit Pemilikan Rumah (KPR) Ownership Loan (KPR) dominated the market
mendominasi pangsa pasar sebesar 75,89% dari share at 75.89% of total financing.
total pembiayaan.
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Dari data ini menunjukkan bahwa meski sempat This data showed that even though it has
menurun, namun pangsa pasar kredit perumahan decreased before, the housing loan market share
masih memiliki peluang pertumbuhan yang still has considerable growth opportunities in
cukup besar di segmen konsumer, terutama the consumer segment, especially for small type
untuk kebutuhan rumah tipe kecil. Potensi ini yang housing needs. The Company was optimizing this
dioptimalkan Perseroan sepanjang tahun 2023 potential throughout 2023 by presenting KPR/KPA
dengan menghadirkan produk KPR/KPA dengan products with easy processing and competitive
pemrosesan yang mudah dan dengan suku bunga interest rates. By carrying out the jargon “One
yang kompetitif. Dengan mengusung jargon Day Service”, the Company wanted to provide
“One Day Service”, Perseroan ingin menyediakan mortgage facilities that provide clear processing
fasilitas KPR yang memberikan kepastian waktu time certainty so that it was very efficient for
pemrosesan yang jelas sehingga sangat efisien residential buyers, coupled with the use of digital
bagi pembeli hunian, ditambah lagi dengan signatures as an alternative for signing KPR/KPA
penggunaan digital signature sebagai alternatif documents for customers who were unable to
untuk penandatanganan dokumen-dokumen attend in person.
KPR/KPA bagi Nasabah yang berhalangan hadir
secara fisik.
Dalam rangka memperluas akses masyarakat In order to expand public access to KPR/
akan produk KPR/KPA, Perseroan memperluas KPA products, the Company was expanding
kerja sama dengan mitra-mitra pengembang cooperation with leading developer partners
terkemuka yang memiliki berbagai proyek di who have various projects throughout Indonesia
seluruh Indonesia seperti Agung Sedayu Group, such as Agung Sedayu Group, Ciputra Group,
Ciputra Group, Wijaya Karya, Satwika, Pikko dan Wijaya Karya, Satwika, Pikko and others. With
lain-lain. Dengan berbagai upaya ini Perseroan these various efforts, the Company succeeded in
berhasil membukukan pertumbuhan segmen recording consumer segment growth of 32.77%
konsumer sebesar 32,77% (yoy) di tahun 2023. (yoy) in 2023.
Perseroan tetap berupaya meningkatkan kualitas The Company strives to enhancing the quality
pengelolaan risiko dengan melakukan monitoring of its risk management by regularly monitoring
secara berkala atas berbagai elemen penting dalam critical lending elements. This allows for the prompt
penyaluran kredit, agar apabila terdapat potensi risiko mitigation of any potential risks that may arise. Loan
yang muncul dapat segera dimitigasi. Mekanisme disbursement decisions are handled by the Credit
keputusan penyaluran kredit ditatakelolakan dalam Committee, which evaluates all aspects of each debtor
Komite Kredit yang mengkaji segala aspek dari based on the Company’s Loan Policy. Furthermore,
setiap debitur sesuai Kebijakan Kredit Perseroan. the Risk Management Committee oversees and
Selain itu, dalam Komite Manajemen Risiko dibahas assesses various significant indicators, such as
dan dimonitor berbagai indikator penting seperti loan concentration, Core Debtors, and collectability,
konsentrasi kredit, Debitur Inti, kolektabilitas dan lain- providing regular updates on the Company’s loan
lain, sehingga diperoleh gambaran yang up to date disbursement activities. Comprehensive reports are
tentang penyaluran kredit yang dilakukan Perseroan prepared and presented to the Commissioner-level
secara berkala. Kemudian disusun berbagai Risk Monitoring Committee to solicit feedback and
laporan yang komprehensif dan dilaporkan kepada direction regarding loan disbursement management,
Komite Pemantau Risiko pada tingkat Komisaris as well as risk management, and the necessary
untuk memperoleh arahan dan masukan baik measures to be implemented for effective mitigation.
terkait penatakelolaan penyaluran kredit, maupun
pengelolaan risiko dan terutama langkah-langkah
mitigasi yang harus dipersiapkan dan dijalankan.
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PENGELOLAAN TREASURY
TREASURY MANAGEMENT
Pemulihan ekonomi dunia dan Indonesia pada tahun The global and Indonesian economic recovery in
2023 belum sepenuhnya sesuai harapan. Bank 2023 has not fully met expectations. Bank Indonesia
Indonesia memprakirakan pertumbuhan ekonomi estimates the global economic growth for 2023 at
global tahun 2023 sebesar 3,0% dan melambat 3.0%, and slowing down to 2.8% in 2024. Economic
menjadi 2,8% pada 2024. indikator perekonomian indicators show moderation in several countries,
menunjukkan moderasi di beberapa negara, terutama particularly the European Union and China. This
Uni Eropa dan Tiongkok. Hal ini mendorong inflasi has driven inflation to approach the inflation target,
turun mendekati target inflasi sehingga memberikan providing room for central banks to normalize policy
ruang bagi bank sentral untuk normalisasi suku interest rates. The Fed has indicated it will lower policy
bunga kebijakan. The Fed mengisyaratkan akan interest rates by 75 basis points in 2024, with the
menurunkan suku bunga kebijakan sebesar 75 bps di market assessing that the US economy is still robust
2024 dengan pasar menilai ekonomi AS masih cukup and will not experience a recession. Bank Indonesia
tangguh dan tidak akan mengalami resesi. Bank estimates Indonesia’s economic growth in 2023 to be
Indonesia memprakirakan pertumbuhan ekonomi in the range of 4.5-5.3% and to increase in 2024 to a
Indonesia tahun 2023 berada dalam kisaran 4,5-5,3% range of 4.7-5.5%.
dan tahun 2024 meningkat dalam kisaran 4,7-5,5%.
Kebijakan-kebijakan moneter Bank Indonesia masih Bank Indonesia’s monetary policies remain consistent
konsisten dan akomodatif terhadap peserta pasar and accommodative towards money market and
uang dan valuta asing memberikan keyakinan pada foreign exchange participants, giving confidence to
dunia perbankan dan Perseroan bahwa likuiditas the banking world and the Company that banking
perbankan dan kestabilan pasar keuangan tetap liquidity and financial market stability are well
terjaga baik. Fokus kebijakan moneter Bank maintained. Bank Indonesia’s monetary policy focus
Indonesia yang pro-stability yaitu untuk penguatan on pro-stability aims for the strengthening of the
stabilisasi nilai tukar Rupiah serta langkah pre- Rupiah exchange rate stabilization and pre-emptive
emptive dan forward looking untuk memastikan inflasi and forward-looking steps to ensure inflation remains
tetap terkendali dalam sasaran 3%±1%. controlled within the target of 3%±1%.
Perseroan konsisten fokus mengutamakan The Company consistently focuses on ensuring the
kelancaran layanan transaksi Nasabah dan efficiencies of Customer transactions and meeting
pemenuhan ketentuan rasio likuiditas regulator: the liquidity ratio regulations of the regulator:
giro wajib minimum (GWM), Penyangga Likuiditas mandatory reserves (GWM), Macroprudential Liquidity
Makroprudensial (PLM) dan Alat Likuid terhadap Buffer (PLM), and Liquid Assets to Third Party Funds
Dana Pihak Ketiga (ALDPK) serta penguatan (ALDPK), as well as strengthening the Company’s
ketahanan likuiditas Perseroan dengan menugaskan liquidity resilience by assigning the Assets & Liabilities
Komite Aset dan Liabilitas (Assets & Liabilities Committee (ALCO).
Committee/ALCO).
Ketahanan likuiditas Perseroan tetap dikelola The Company’s liquidity resilience is prudently
secara hati-hati dimana porsi pencadangan dana managed, where a portion of liquidity funds in the
likuiditas dalam bentuk high quality liquid assets form of high-quality liquid assets at Bank Indonesia is
pada Bank Indonesia untuk mengantisipasi apabila reserved to anticipate potential banking liquidity crises.
terjadi krisis likuiditas perbankan. Perseroan juga The Company also continues to increase liquidity
terus meningkatkan ketahanan likuiditas dengan resilience by expanding relations and cooperation with
memperluas relasi dan kerja sama dengan antar other banks and adding types of market instruments,
bank dan menambah jenis instrumen pasar including the Global Market Repurchase Agreement
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 115
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ANALISIS & PEMBAHASAN MANAJEMEN
Management Discussion And Analysis
TINJAUAN OPERASIONAL PER SEGMEN USAHA
Operational Review Per Business Segment
termasuk Repo GMRA (Global Market Repurchase (GMRA) - Indonesia. Since 2017, the Company has
Agreement) - Indonesia. Sejak tahun 2017, Perseroan cooperated with GMRA Indonesia with several major
telah melakukan kerja sama GMRA Indonesia banks, including: PT Bank Rakyat Indonesia Tbk, PT
dengan beberapa bank besar diantaranya: PT Bank Bank Central Asia Tbk, PT Bank Negara Indonesia
Rakyat Indonesia Tbk, PT Bank Central Asia Tbk, (Persero) Tbk, PT Bank Danamon Tbk, PT Maybank
PT Bank Negara Indonesia (Persero) Tbk, PT Bank Indonesia Tbk, PT Bank CIMB Niaga Tbk, PT Bank
Danamon Tbk, PT Maybank Indonesia Tbk, PT Bank Mandiri (Persero) Tbk, PT Bank Mega Tbk, PT Bank
CIMB Niaga Tbk, PT Bank Mandiri (Persero) Tbk, PT Pembangunan Daerah Jawa Timur Tbk, PT Bank
Bank Mega Tbk, , PT Bank Pembangunan Daerah Tabungan Negara Tbk, and Bank Permata Tbk. The
Jawa Timur Tbk, PT Bank Tabungan Negara Tbk, dan Company also actively participates in the Interbank
Bank Permata Tbk. Perseroan senantiasa turut aktif Money Market (PUAB) to support the deepening of the
berpartisipasi di Pasar Uang Antar Bank (PUAB) guna money market as directed by Bank Indonesia.
mendukung pendalaman pasar uang sesuai arahan
Bank Indonesia.
Perseroan tetap mengoptimalkan peluang perolehan The Company continues to optimize profit
laba Perseroan dengan menambah alokasi portofolio opportunities by adding portfolio allocations for
Surat Berharga Negara (SBN) dan Sertifikat Government Securities (SBN) and Bank Indonesia
Rupiah/Valas Bank Indonesia (SRBI/SVBI) berupa Rupiah/Foreign Currency Certificates (SRBI/SVBI) in
pendapatan bunga surat berharga, disamping the form of interest income from securities, besides
keuntungan dari transaksi Nasabah atas jual-beli profits from Customer transactions in buying and
valuta asing dan surat berharga dengan tingkat risiko selling foreign currencies and securities with a risk
sesuai dengan risk appetite Perseroan. level in line with the Company’s risk appetite.
Kebijakan pengelolaan portofolio Treasury diputuskan Treasury portfolio management policies are decided
melalui ALCO dengan didahului paparan dan analisis through ALCO, preceded by presentations and
atas potensi yield dan risiko yang mungkin timbul. analysis of potential yield and risks that may arise.
Setiap proposal dikaji oleh Risk Management Group Each proposal is reviewed by the Risk Management
sehingga Perseroan memperoleh gambaran yang Group to ensure that the Company obtains a more
lebih komprehensif atas potensi yield yang akan comprehensive picture of the potential yield to be
diperoleh dan eksposur risiko yang dihadapi. obtained and the risk exposure encountered.
Dalam pengelolaan dana, portofolio Treasury terdiri In fund management, the Treasury portfolio consists
dari dua bagian yaitu: of two parts:
a. Pengelolaan likuiditas dan portofolio (Liquidity a. Liquidity and Portfolio Management, which
and Portfolio Management) yang mengelola dana manages funds sourced from excess Third
yang bersumber dari kelebihan Dana Pihak Ketiga Party Funds (TPF) over loan disbursement and
(DPK) atas penyaluran kredit dan pemenuhan fulfilling regulatory liquidity ratio obligations. These
kewajiban rasio likuiditas regulator. Dana tersebut funds are placed in Bank Indonesia financial
ditempatkan pada instrumen keuangan Bank instruments, interbank placements, and Securities
Indonesia, penempatan antar bank, dan Surat (Government, SOEs, and Corporate) as well as
Berharga (Pemerintah, BUMN dan Korporasi) Mutual Funds.
serta Reksadana.
b. Pengelolaan dana modal (Capital Management), b. Capital Management, which manages funds
dimana mengelola dana yang bersumber dari sourced from part of the shareholders’ equity
sebagian dana ekuitas pemegang saham, yang funds, placed in financial instruments of
ditempatkan pada instrumen keuangan Surat Government Securities (SBN) and Bank Indonesia
Berharga Negara (SBN) dan Sertifikat Rupiah Rupiah Certificates (SRBI) that have zero credit
Bank Indonesia (SRBI) yang tidak memiliki risiko risk.
kredit (zero credit risk).
116 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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TINJAUAN OPERASIONAL PER SEGMEN USAHA
Operational Review Per Business Segment
Adapun terkait aktivitas layanan sebagai Bank Devisa Regarding service activities as a Foreign Exchange
dan visi Perseroan sebagai one-stop banking service, Bank and the Company’s vision as a one-stop banking
Treasury & Financial Institution Group memberikan service, the Treasury & Financial Institution Group
dukungan penuh kepada unit bisnis funding, lending, provides full support to the business units of funding,
dan wealth management serta cabang-cabang lending, and wealth management as well as branches
berupa layanan jasa Treasury dengan harga/kurs in the form of Treasury services with competitive
yang kompetitif dan informasi perkembangan pasar prices/rates and the latest market development
terkini sebagai berikut: information as follows:
No Layanan | Services Detil Layanan | Detail of Services
1 Jual-Beli Valas • Bank Notes
Buy-Sell Foreign Exchange • FX Today
• FX Tom
• FX Spot
2 Investasi Surat Berharga Negara • Obligasi Ritel Indonesia (ORI), Sukuk Ritel | Indonesia Retail
Investment Government Bonds Bonds (ORI), Sukuk Retail
• Fixed Rate (FR)
3 Lindung Nilai Valas • FX Forward
Foreign Exchange Hedging • FX Swap
Perseroan sebagai Perantara Pedagang Efek untuk As a Securities Broker-Dealer for Debt Securities and
Efek bersifat Utang dan Sukuk (PPE-EBUS) dapat Sukuk (PPE-EBUS), the Company can offer a more
memberikan layanan produk investasi yang lebih comprehensive and diverse range of investment
lengkap dan beragam untuk Nasabah. products for Customers.
Sesuai dengan prinsip tata kelola perusahaan yang In line with the principles of good corporate
baik, fungsi dan tanggung jawabnya masing-masing governance and segregation of duties, the Company
(segregation of duties), Perseroan memanfaatkan utilizes the latest information technology, namely the
teknologi informasi terkini yaitu aplikasi sistem Treasury-OSTS system application, which operates
Treasury-OSTS yang beroperasi secara paperless paperless and in real-time to record Treasury
dan real-time guna mencatat transaksi Treasuri, transactions, risk monitoring, and fund settlement.
pemantauan risiko, dan setelmen dana, yang Each task is executed by independent parties from
masing-masing dilaksanakan oleh pihak-pihak different directorates: Treasury Front Office (Treasury
yang independen dan berbeda direktorat yaitu: Division under the Finance & Treasury directorate),
Treasury Front Office (Treasury Division dibawah Risk Middle Office (Risk Management Division under
direktorat Finance & Treasury), Risk Middle Office the Risk, Compliance & HR directorate), and Treasury
(Risk Management Division dibawah direktorat Risk, Back Office (Central Operation Division under the
Compliance & HR), dan Treasury Back Office (Central Operation directorate).
Operation Division dibawah direktorat Operation).
Perseroan telah menerapkan standar integritas The Company has implemented high standards of
dan profesionalisme yang tinggi dalam melakukan integrity and professionalism in financial market
transaksi di pasar keuangan dengan menerapkan transactions by adopting best market practices and
best market practice dan Market Code of Conduct the Market Code of Conduct as per Bank Indonesia
sesuai ketentuan Bank Indonesia. regulations.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 117
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ANALISIS & PEMBAHASAN MANAJEMEN
Management Discussion And Analysis
KINERJA KEUANGAN
Financial Performance
(Dalam Rp Juta) | (In Rp Million)
Pertumbuhan | Growth
ASET | ASSETS 2023 2022 Nominal
%
Value
Kas | Cash 157.297 189.892 (32.595) -17,17%
Giro pada Bank Indonesia dan Bank Lain
1.261.051 1.217.043 44.008 3,62%
Current Accounts with Bank Indonesia and Other Banks
Penempatan pada Bank Indonesia dan Bank Lain
2.096.270 1.625.415 470.855 28,97%
Placements with Bank Indonesia and Other Banks
Efek-efek & Reversed Repo
5.854.379 5.798.670 55.709 0,96%
Mareketable Securities & Reversed Repo
Kredit yang Diberikan | Loans 15.237.176 12.409.218 2.827.958 22,79%
Aset Lain-lain | Other Assets 2.016.179 876.128 1.140.051 130,12%
JUMLAH ASET | TOTAL ASSETS 26.622.352 22.116.366 4.505.986 20,37%
Pertumbuhan Aset Assets Growth
Pada tahun 2023 Total Aset Perseroan tumbuh 20,37% In 2023, the Company’s Total Assets grew 20.37% (yoy)
(yoy) menjadi sebesar Rp26,62 triliun dari akhir tahun to Rp26.62 trillion from the end of 2022 which was
2022 yang senilai Rp22,11 triliun. Pertumbuhan ini valued at Rp22.11 trillion. This growth was supported
ditopang terutama oleh pertumbuhan Kredit yang mainly by growth in Loan Disbursed, which rose by
Diberikan, yang naik hingga sebesar 22,79% (yoy) 22.79% (yoy) to Rp15.23 trillion from Rp12.4 trillion in
menjadi sebesar Rp15,23 triliun dari Rp12,4 triliun di the previous year.
tahun sebelumnya.
(Dalam Rp Juta) | (In Rp Million)
Pertumbuhan | Growth
LIABILITAS & EKUITAS | LIABILITIES & EQUITY 2023 2022 Nominal
%
Value
LIABILITAS | LIABILITIES
Dana Masyarakat | Third-Party Funds 17.854.872 15.075.980 2.778.892 18,43%
Giro | Demand Deposits 5.920.851 5.391.885 528.966 9,81%
Tabungan | Savings 1.344.828 1.377.032 (32.204) -2,34%
Deposito | Time Deposits 10.589.193 8.307.063 2.282.130 27,47%
Simpanan dari bank lain | Deposits from other banks 574.934 561.234 13.700 2,44%
Liabilitas atas efek-efek yang dijual dengan janji dibeli kembali
Liabilities from marketable securities sold under agreements to 4.502.329 4.275.913 226.416 5,30%
repurchase
Utang Pajak | Tax Payables 42.989 26.275 16.714 63,61%
Liabilitas Lain-lain | Other Liabilities 311.424 330.639 (19.215) -5,81%
JUMLAH LIABILITAS | TOTAL LIABILITIES 23.286.548 20.243.766 3.042.782 15,03%
JUMLAH EKUITAS | TOTAL EQUITY 3.335.804 1.872.600 1.463.204 78,14%
TOTAL LIABILITAS & EKUITAS | TOTAL LIABILITIES & EQUITY 26.622.352 22.116.366 4.505.986 20,37%
118 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KINERJA KEUANGAN
Financial Performance
Pertumbuhan Liabilitas Liabilities Growth
Pada akhir tahun 2023, Liabilitas Perseroan At the end of 2023, the Company’s liabilities grew
tumbuh 15,03% (yoy) menjadi sebesar Rp23,3 triliun 15.03% (yoy) to Rp23.3 trillion compared to the end
dibandingkan akhir tahun 2022 yang senilai Rp20,2 of 2022 which was at Rp20.2 trillion. This growth was
triliun. Pertumbuhan ini terutama ditopang oleh mainly supported by growth in Third Party Funds
pertumbuhan Dana Pihak Ketiga sebesar 18,43% of 18.43% to Rp17.8 trillion from Rp15.07 trillion in
menjadi sebesar Rp17,8 triliun dari Rp15,07 triliun di the previous year, mainly due to the increase in time
tahun sebelumnya terutama karena kenaikan produk deposit products.
deposito.
Pertumbuhan Ekuitas Equity Growth
Perseroan mencatatkan pertumbuhan Ekuitas di akhir The Company recorded Equity growth at the end of
tahun 2023 sebesar 78,14% (yoy) dibandingkan akhir 2023 of 78.14% (yoy) compared to the end of 2022.
tahun 2022. Pertumbuhan Ekuitas ini sejalan dengan This Equity growth was in line with the Company’s
komitmen Perseroan untuk memperkuat struktur commitment to strengthen its capital structure which
permodalan yang dilakukan melalui Penambahan was carried out through Capital Increases with Pre-
Modal dengan Hak Memesan Efek Terlebih Dahulu emptive Rights (PMHMETD)/Right Issue in 3 stages
(PMHMETD)/Right Issue dalam 3 tahap yang secara which was completed at the end of August 2023. This
keseluruhan selesai pada akhir Agustus 2023. capital position further strengthened the Company’s
Posisi permodalan ini semakin memperkuat posisi position in KBMI I and is able to support the Company’s
Perseroan pada KBMI I dan mampu menopang growth in the long term.
pertumbuhan Perseroan dalam jangka panjang.
(Dalam Rp Juta) | (In Rp Million)
Pertumbuhan | Growth
LAPORAN LABA RUGI | STATEMENT OF PROFIT OR LOSS 2023 2022 Nominal
%
Value
Pendapatan (Beban) Bunga | Interest Income (Expenses)
Pendapatan Bunga | Interest Income 1.499.179 1.161.531 337.648 29,07%
Beban Bunga | Interest Expense (763.389) (502.440) (260.949) 51,94%
Pendapatan Bunga Bersih | Net Interest Income 735.790 659.091 76.699 11,64%
Pendapatan Operasional Lainnya | Other Operating Income 155.244 72.176 83.068 115,09%
Pembentukan Cadangan Kerugian Penurunan Nilai Neto
(42.984) (25.497) (17.487) 68,58%
Provision of Allowance for Impairment Losses Net
Beban Operasional Lainnya | Other Operating Expenses
Umum dan Administrasi | General and Administrative (334.485) (275.659) (58.826) 21,34%
Tenaga Kerja | Personnel (333.147) (295.748) (37.399) 12,65%
Jumlah Beban Operasional Lainnya
(667.632) (571.407) (96.225) 16,84%
Total Other Operating Expenses
Laba Operasional | Operating Income 180.418 134.363 46.055 34,28%
Beban Non-Operasional - Neto | Non-Operating Expense - Net 5.112 (230) 5.342 -2322,61%
Laba Sebelum Pajak Penghasilan | Income Before Income Tax 185.530 134.133 51.397 38,32%
Beban Pajak Penghasilan | Income Tax Expenses (43.994) (30.288) (13.706) 45,25%
Laba Bersih Tahun Berjalan | Net Income for the Current Year 141.536 103.845 37.691 36,30%
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 119
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ANALISIS & PEMBAHASAN MANAJEMEN
Management Discussion And Analysis
KINERJA KEUANGAN
Financial Performance
Pertumbuhan Pendapatan & Beban Bunga Revenue Growth & Interest Expense
Geliat pertumbuhan ekonomi Nasional pasca The post-pandemic national economic growth
pandemi semakin nampak di tahun 2023. Secara became increasingly visible in 2023. In general,
umum, daya beli masyarakat yang mulai meningkat people’s purchasing power was starting to increase,
membuat para pelaku usaha lebih yakin dalam making business people more confident in expanding
melakukan langkah-langkah ekspansi usaha. their capacity. The national election process that
Rangkaian pesta demokrasi yang berlangsung have been taking place since mid-2023 have also
sejak pertengahan tahun 2023 juga memberikan contributed to increasing community economic
sumbangan bagi peningkatan kegiatan ekonomi activity in various segments. The Company seeks
masyarakat di berbagai segmen. Perseroan berupaya to optimize market opportunities by focusing on
untuk mengoptimalkan peluang pasar dengan segments that are proven to still be growing well, such
fokus pada segmen-segmen yang terbukti masih as the consumer and micro segments.
bertumbuh dengan baik, seperti segmen konsumer
dan mikro.
Dengan pertumbuhan penyaluran kredit yang cukup Having an exceptional loan growth in 2023, the
baik di tahun 2023, membuat pendapatan Bunga Company’s interest income in the 12 months of
Perseroan dalam kurun waktu 12 bulan dalam 2023 increased by 29.07% (yoy) reaching almost
tahun 2023 meningkat 29,07% (yoy) mencapai Rp1.5 trillion, compared to the same period in the
hampir Rp1,5 triliun, dibandingkan periode yang previous year which was almost Rp1.2 trillion. This
sama tahun sebelumnya yang senilai hampir Rp1,2 increase in interest income was mainly contributed
triliun. Peningkatan pendapatan bunga ini terutama by an increase in loan volume and management of
dikontribusikan oleh peningkatan volume kredit dan securities instruments. Meanwhile, along with the
pengelolaan instrumen surat berharga. Sementara growth in deposits, interest expenses also increased
itu, seiring pertumbuhan DPK, Beban Bunga juga by 51.94% in 2023 to Rp763.4 billion compared to the
mengalami peningkatan sebesar 51,94% di tahun same period a year earlier, which was Rp502.4 billion.
2023 menjadi sebesar Rp763,4 miliar dibandingkan
periode yang sama setahun sebelumnya, yang senilai
Rp502,4 miliar.
Peningkatan Pendapatan Operasional Selain Bunga Increase in Non-Interest Income
Pendapatan Operasional Selain Bunga (fee based Fee based income in the period 2023 increased by
income) dalam kurun waktu tahun 2023 mengalami 115.09%, or reaching Rp155.2 billion from Rp72.2 billion
peningkatan sebesar 115,09%, atau mencapai Rp155,2 in the same period in the previous year. This increase
miliar dari Rp72,2 miliar di periode yang sama di tahun was mainly contributed by an increase in non-loan
sebelumnya. Peningkatan ini terutama dikontribusi fees and commissions.
oleh kenaikan provisi dan komisi selain dari kredit
yang diberikan.
Peningkatan Beban Operasional Selain Bunga Increase in Non-Interest Expenses
Beban Operasional Selain Bunga dalam kurun The Other Operating expenses in the period 2023
waktu tahun 2023 mengalami peningkatan sebesar increased by 16.84%, reaching a value of Rp667.6
16,84%, yakni mencapai nilai sebesar Rp667,6 miliar billion from Rp571.41 billion in the previous year. Other
dari Rp571,41 miliar di tahun sebelumnya. Beban Operational expenses are divided into two large parts,
operasional selain bunga terbagi menjadi dua namely General and Administrative Expenses and
bagian besar yaitu Beban Umum dan Administrasi Personnel Expenses. This increase in other operating
serta Beban Tenaga Kerja. Peningkatan beban ini expenses was part of the implementation of the
merupakan bagian dari implementasi berbagai Company’s various strategic programs, especially in
program strategis Perseroan terutama dalam improving the quality of digital-based services.
meningkatkan kualitas layanan berbasis digital.
120 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KINERJA KEUANGAN
Financial Performance
Pertumbuhan Laba Profit Growth
Berkat pertumbuhan penyaluran kredit yang optimal, Having an optimal loan growth, consistent
pengelolaan biaya bunga yang konsisten, serta management of cost of fund, as well as an increase
peningkatan pendapatan berbasis fee (fee based in fee-based income, the Company was able to
income), maka Perseroan dapat mencatatkan record Income Before Tax growth of 38.32%, reaching
pertumbuhan Laba Sebelum Pajak sebesar 38,32%, Rp185.5 billion from Rp134.1 billion for the same period
mencapai Rp185,5 miliar dari Rp134,1 miliar untuk in the previous year. Thus, the Company’s Net Income
periode yang sama di tahun sebelumnya. Dengan grew 36.3% or reached Rp141.5 billion compared to the
demikian maka Laba Bersih Perseroan tumbuh 36,3% previous year, which was at Rp103.8 billion.
atau mencapai Rp141,5 miliar dibandingkan tahun
sebelumnya, yang senilai Rp103,8 miliar.
Laporan Arus Kas Statement of Cash flow
Laporan Arus Kas terdapat pada Laporan Keuangan The Cash Flow Report can be found in the Financial
per 31 Desember 2023 hal 5. Report as of 31 December 2023, page 5.
KEMAMPUAN MEMBAYAR UTANG SOLVENCY
Perseroan mengukur kemampuan membayar utang The Company measures its solvency through
melalui beberapa rasio antara lain rasio likuiditas, several ratios, including liquidity ratio, solvency ratio,
rasio solvabilitas, dan rasio rentabilitas. Rasio- and profitability ratio. These ratios are constantly
rasio tersebut senantiasa dimonitor untuk dapat monitored to be able to calculate potential risks that
menghitung potensi risiko-risiko yang muncul dalam arise in the Company’s operational activities.
kegiatan operasional Perseroan.
Likuiditas Liquidity
Perseroan senantiasa melakukan monitoring atas The Company places a high priority on monitoring
tingkat likuiditasnya setiap waktu melalui 7 elemen its liquidity level, which is accomplished through its
yang termasuk dalam Liquidity Early Warning System Liquidity Early Warning System, which encompasses
yang dipantau. Likuiditas Perseroan dipengaruhi seven crucial elements. The Company’s liquidity
tentunya oleh struktur pendanaan, likuiditas aset, is affected by several factors, including its funding
liabilitas kepada counterparty dan komitmen kredit structure, asset liquidity, liabilities to counterparties,
kepada debitur. Posisi Aset Lancar Perseroan pada and credit commitments to debtors. The Company’s
akhir tahun 2023 adalah sebesar Rp15,7 triliun Current Assets position at the end of 2023 was Rp15.7
meningkat dari Rp12,3 triliun di tahun sebelumnya. trillion, an increase from Rp12.3 trillion in the previous
Nilai aset lancar tersebut setara dengan 58,99% dari year. The value of current assets was equivalent to
Total Aset atau 87,96% dari Total Simpanan, yang 58.99% of Total Assets or 87.96% of Total Deposits,
dapat menggambarkan kondisi likuiditas yang baik. which can illustrate good liquidity conditions. The
Peningkatan nilai aset lancar tersebut membuat increase in the value of current assets has improved
tingkat likuiditas Perseroan semakin baik, seperti the Company’s liquidity level, as shown in the following
tampak pada tabel berikut. table.
Perubahan
Likuiditas | Liquidity 2023 2022
Change
Aset Lancar (Rp juta) | Current Assets (Rp million) 15.705.300 12.303.250 3.402.050
Rasio Kredit Terhadap Simpanan | Loan to Deposit Ratio 85,34% 82,31% 3,03%
Aset Lancar Terhadap Total Aset | Current Assets to Total Assets 58,99% 55,63% 3,36%
Aset Lancar Terhadap Simpanan | Current Assets to Deposits 87,96% 81,61% 6,35%
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 121
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ANALISIS & PEMBAHASAN MANAJEMEN
Management Discussion And Analysis
KINERJA KEUANGAN
Financial Performance
Solvabilitas Solvability
Perseroan dalam menjalankan kegiatan usahanya The Company in carrying out its business activities
memperhatikan dan menjaga tingkat kecukupan pays attention to and maintains the level of capital
modal untuk dapat memenuhi risiko kredit, risiko adequacy to be able to meet credit risk, market
pasar dan risiko operasional yang tampak dari risk and operational risk as seen from the Capital
Rasio kecukupan Modal (Capital Adequacy Ratio – Adequacy Ratio (CAR). Capital Adequacy Ratio is the
CAR). Rasio Kecukupan Modal (Capital Adequacy ratio of capital to risk-weighted assets (RWA). The
Ratio) adalah rasio modal terhadap aset tertimbang Company’s Capital Adequacy Ratio at the end of 2023
menurut risiko (ATMR). Rasio Kecukupan Modal was at the level of 23.50%, above the limit of the capital
Perseroan pada akhir tahun 2023 berada pada level adequacy ratio in accordance with the Company’s risk
23,50% atau berada di atas batasan rasio kecukupan profile.
modal sesuai profil risiko Perseroan.
Perubahan
Solvabilitas | Solvability 2023 2022
Change
ATMR (Rp juta) | RWA (Rp million) 13.916.525 9.812.493 4.104.032
CAR untuk Modal Inti | CAR for Core Capital 23,50% 18,54% 4,96%
CAR untuk Risiko Kredit | CAR for Credit Risk 22,31% 17,42% 4,89%
CAR untuk Risiko Kredit & Operasional |
23,50% 18,54% 4,96%
CAR for Credit & Operational Risks
CAR untuk Risiko Kredit & Pasar | CAR for Credit & Market Risks 22,31% 17,42% 4,89%
CAR untuk Risiko Kredit, Operasional & Pasar | CAR for Credit,
23,50% 18,54% 4,96%
Operational & Market Risks
Rentabilitas Profitability
Beberapa rasio-rasio rentabilitas Perseroan pada The Company’s profitability ratios were improved
akhir tahun 2023 semakin membaik antara lain: at the end of 2023 include: Return on Assets (ROA)
Tingkat Pengembalian Aset (ROA) sebesar 0,79%; of 0.79%; Return on Equity (ROE) of 4.94% (Due to
Tingkat Pengembalian Ekuitas (ROE) sebesar 4,94% capital increase); Net Interest Margin (NIM) of 3.38%;
(Karena peningkatan modal); Net Interest Margin and BOPO at 89.26%.
(NIM) sebesar 3,38%; dan BOPO sebesar 89,26%.
Perubahan
Rentabilitas | Profitability 2023 2022
Change
Tingkat Pengembalian Aset | Return on Assets 0,79% 0,64% 0,15%
Tingkat Pengembalian Ekuitas | Return on Equity 4,94% 6,40% -1,46%
Marjin Bunga Bersih | Net Interest Margin 3,38% 3,35% 0,03%
Biaya Operasional terhadap Pendapatan Operasional (BOPO)
89,26% 89,27% -0,01%
Operating Cost to Operating Income
Kolektibilitas Kredit Credit Collectability
Kolektibilitas Kredit yang disalurkan Perseroan dapat The collectability of loans disbursed by the Company
dilihat dari total kredit bermasalah (Non Performing can be seen from the total non-performing loans
Loan - NPL). Sampai dengan akhir tahun 2023, NPL (NPL). As of the end of 2023, the Company’s NPL was
Perseroan masih relatif rendah yaitu sebesar 0,59% still relatively low at 0.59% or Rp90,06 billion.
atau sebesar Rp90,06 miliar.
122 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KINERJA KEUANGAN
Financial Performance
Perubahan
Deskripsi | Description 2023 2022
Change %
Kredit | Loans 15.237.176 12.409.218 22,79%
Lancar | Current 14.286.952 11.853.512 20,53%
Perhatian Khusus | Special Mention 860.157 504.879 70,37%
Kurang Lancar | Substandard 30.996 4.484 591,26%
Diragukan | Doubtful 22.806 2.212 931,01%
Macet | Bad 36.265 44.131 -17,82%
Non Performing Loan (NPL) 90.067 50.827 77,20%
Non Performing Loan (NPL) (%) 0,59% 0,41% 44,17%
STRUKTUR MODAL CAPITAL STRUCTURE
Ekuitas Perseroan pada akhir tahun 2023 meningkat The Company’s equity at the end of 2023 increased
78,10% menjadi Rp3,33 triliun dibandingkan dengan 78.10% to Rp3.33 trillion compared to the end of 2022
akhir tahun 2022 yang sebesar Rp1,87 triliun. which amounted to Rp1.87 trillion. This increase in
Peningkatan Ekuitas Perseroan ini diperoleh dari Company Equity was obtained from corporate action
corporate action berupa Penambahan Modal dengan in the form of Additional Capital with Pre-emptive
Hak Memesan Efek terlebih dahulu (PMHMETD)/ Rights (PMHMETD)/Right Issue in 3 stages which
Right Issue dalam 3 tahap yang secara keseluruhan were completely completed in August 2023 in order to
selesai pada Agustus 2023 guna memperkuat strengthen the capital structure.
struktur permodalan.
Pertumbuhan | Growth
EKUITAS | EQUITY 2023 2022 Nominal
%
Value
Modal Ditempatkan dan Disetor | Issued and Paid-up Capital 747.844 460.228 287.616 62,49%
Agio Saham | Premium on Stock 2.030.965 1.027.864 1.003.101 97,59%
Dana Setoran Modal | Advance Capital 0 35.000 (35.000) -100,00%
Kerugian yang belum direalisasi atas perubahan nilai wajar
efek-efek yang diklasifikasikan pada nilai wajar melalui
penghasilan komprehensif lain setelah pajak 29.380 (37.681) 67.061 -177,97%
Unrealized losses from marketable securities classified as
other comprehensive income net of deferred tax
Saldo Laba Tahun Berjalan | Current Year Retained Earnings
Dicadangkan | Appropriated 22.000 17.000 5.000 29,41%
Belum dicadangkan | Unappropriated 504.826 370.189 134.637 36,37%
JUMLAH EKUITAS | TOTAL EQUITY 3.335.015 1.872.600 1.462.415 78,10%
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 123
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ANALISIS & PEMBAHASAN MANAJEMEN
Management Discussion And Analysis
KINERJA KEUANGAN
Financial Performance
INVESTASI BARANG MODAL CAPITAL GOODS INVESTMENT
Sebagai perusahaan yang terus bertumbuh dalam As a company that continues to grow in business
volume usaha, Perseroan melakukan alokasi volume, the Company allocates Capital Goods
Investasi Barang Modal untuk menunjang kegiatan Investment to support its operational activities.
operasionalnya. Sepanjang tahun 2023 Investasi Throughout 2023, the Capital Goods Investment was
Barang Modal tersebut adalah sebagai berikut: as follows:
a. Investasi yang dilakukan terdiri: a. The investments made consist of:
• Tanah & Gedung Kantor • Land & Office Building
• Renovasi Bangunan • Building Renovation
• Perlengkapan Kantor • Office Supplies
b. Tujuan Investasi barang Modal b. Purpose of Capital Goods Investment
• Pengadaan gedung kantor • Procurement of office buildings
• Renovasi Bangunan digunakan untuk • Building Renovation is used to renovate the
merenovasi kantor-kantor Perseroan Company’s offices
• Perlengkapan Kantor digunakan untuk • Office Supplies are used to purchase computers,
pembelian computer, furniture dan peralatan furniture and other office equipment for the
kantor lainnya untuk kegiatan operasional Company’s operational activities
Perseroan
c. Belanja barang modal sepanjang tahun 2023 c. Capital expenditure throughout 2023 was as
adalah sebagai berikut : follows:
• Tanah & Gedung Kantor senilai Rp389, 15 miliar • Land & Office Building of Rp389.15 billion
• Renovasi Bangunan senilai Rp4,3 miliar • Building Renovation of Rp4.3 billion
• Perlengkapan Kantor senilai Rp48,9 miliar • Office Supplies of Rp48.9 billion
• Aset Tak Berwujud Rp44,9 miliar • Intangible Assets of Rp44.9 billion
• Total Investasi Barang Modal Rp487,3 miliar. • Total Capital Goods Investment of Rp487.3 billion.
ANALISIS KUALITAS ASET PRODUKTIF PRODUCTIVE ASSET QUALITY ANALYSIS
Perseroan melakukan berbagai upaya menjaga The Company made various efforts to maintain the
Kualitas Aset Produktif yang dimiliki melalui quality of its Productive Assets through consistent
monitoring yang konsisten dan langkah-langkah monitoring and other anticipatory steps.
antisipatif lainnya.
Pada 31 Desember 2023, komposisi aset produktif As of December 31, 2023, the composition of the
Perseroan adalah sebagai berikut : Company’s productive assets is as follows:
1. 95,7% pada kategori Lancar; 1. 95.7% in the Current category;
2. 3,9% pada kategori Dalam Perhatian Khusus; 2. 3.9% in the Special Mention category;
3. 0,1% pada kategori Kurang Lancar; 3. 0.1% in the Substandard category;
4. 0,1% pada kategori Diragukan; dan 4. 0.1% in the Doubtful category; And
5. 0,2% pada kategori Macet. 5. 0.2% in the Loss category.
Pengelolaan Aset Produktif dilakukan melalui Productive Asset management was carried out
berbagai mekanisme, diantaranya melalui Komite through various mechanisms, including in the Credit
Kredit, Komite Manajemen Risiko dan Kebijakan Committee, Risk Management and Credit Policy
Perkreditan dan Komite Aset & Liabilitas, bekerja sama Committee and Assets & Liabilities Committee, in
dengan unit-unit bisnis terkait. Melalui rekomendasi collaboration with related business units. Through
komite-komite tersebut Direksi Perseroan mengambil the recommendations of these committees, the
tindakan dan kebijakan yang diperlukan dalam Company’s Board of Directors takes the necessary
rangka menjaga kualitas aset produktif Perseroan actions and policies to maintain the quality of the
tetap dalam kondisi lancar. Company’s productive assets in a current category.
124 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KINERJA KEUANGAN
Financial Performance
ANALISIS RASIO KEUANGAN FINANCIAL RATIOS ANALYSIS
Manajemen Perseroan menjaga rasio-rasio keuangan The Company’s management maintains basic
pokok yang menjadi indikator utama kinerja Perseroan financial ratios which are the main indicators of the
sebagai bank. Rasio-rasio keuangan tersebut antara Company’s performance as a bank. These financial
lain adalah: ratios include:
Rasio Keuangan | Financial Ratios 2023
I. Permodalan | Equity
Rasio Kecukupan Modal (CAR) | Capital Adequacy Ratio (CAR) 23,50%
II. Aset Produktif | Productive Assets
Kredit Bermasalah |Non-Performing Loan 0,59%
Kredit Bermasalah-Bersih | Non-Performing Loan-Net 0,44%
III. Rentabilitas | Profitability
Tingkat Pengembalian Aset (ROA) | Return on Assets (ROA) 0,79%
Tingkat Pengembalian Ekuitas (ROE) | Return on Equity (ROE) 4,94%
Margin Bunga Bersih (NIM) | Net Interest Income (NIM) 3,38%
Biaya Operasional terhadap Pendapatan Operasional (BOPO) | Operational Expense to
89,26%
Operational Income Ratio
IV. Likuiditas | Liquidity
Kredit yang Diberikan terhadap Dana Masyarakat (LDR) | Loan to Deposit Ratio (LDR) 85,34%
V. Kepatuhan | Compliance
Persentase Pelanggaran BMPK | Percentage of Violation of the LLL 0,00%
Persentase Pelampauan BMPK | Percentage of Exceedance of the LLL 0,00%
Giro Wajib Minimum Rupiah | IDR Minimum Statutory Reserve 6,79%
Giro Wajib Minimum Valas | FX Minimum Statutory Reserve 4,13%
Rasio Permodalan Capital Ratio
Perseroan berupaya menjaga tingkat Capital The Company strives to maintain the Capital
Adequacy Ratio pada level yang memadai untuk Adequacy Ratio at an adequate level to support future
menopang pertumbuhan di masa yang akan growth. In 2023, the stages of Additional Capital with
datang. Pada tahun 2023 telah diselesaikan tahapan Pre-emptive Rights (PMHMETD) II and III have been
Penambahan Modal dengan Hak Memesan Efek completed in order to strengthen the Company’s
Terlebih Dahulu (PMHMETD) II dan III dalam rangka capital. Capital ratios are regularly monitored at both
memperkuat permodalan Perseroan. Secara the Board of Directors and Board of Commissioners
reguler rasio permodalan di monitor baik pada level levels to ensure that the Company’s capital condition
Direksi maupun pada level Dewan Komisaris untuk is in a solid condition.
memastikan bahwa kondisi permodalan Perseroan
dalam keadaan yang solid.
Rasio Kualitas Aset produktif Productive Asset Quality Ratio
Risiko kredit menjadi risiko yang senantiasa dihadapi Credit risk is a risk that banks always face. For this
oleh bank. Untuk itu Perseroan dalam penyaluran reason, the Company in distributing loan always
kredit senantiasa berupaya menerapkan prinsip strives to apply the principle of prudence so that
kehati-hatian agar tingkat Non Performing Loan the Company’s Non-Performing Loan (NPL) level
(NPL) Perseroan dapat senantiasa terjaga rendah. can always be kept low. This productive asset
Mekanisme pengelolaan aset produktif ini dilakukan management mechanism is carried out through
melalui koordinasi yang intens antara Komite intense coordination between the Credit Committee,
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 125
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ANALISIS & PEMBAHASAN MANAJEMEN
Management Discussion And Analysis
KINERJA KEUANGAN
Financial Performance
Kredit, Unit Bisnis dan Komite Manajemen Risiko Business Units and the Risk Management & Credit
& Kebijakan Perkreditan agar mampu melakukan Policy Committee in order to be able to detect early
deteksi lebih awal akan adanya potensi pemburukan potential deterioration and conduct regular stress
dan melakukan stress test secara berkala sebagai tests as part of the Company’s anticipatory steps
bagian dari langkah antisipasi Perseroan terhadap towards economic developments that impact on the
perkembangan ekonomi yang berdampak pada debtor’s condition.
kondisi debitur.
Rasio Rentabilitas Profitability Ratio
Perseroan berupaya meningkatkan kemampuan The Company seeks to increase its ability to generate
dalam menghasilkan laba secara gradual sehingga profits gradually so that the Company’s profitability
rasio rentabilitas Perseroan dapat meningkat dari ratio can increase over time. Management of loan and
waktu ke waktu. Pengelolaan suku bunga pinjaman deposit interest rates is carried out through the Asset &
dan simpanan dilakukan melalui mekanisme Komite Liability Committee mechanism to be able to maintain
Aset & Liabilitas untuk mampu tetap menjaga healthy and sustainable growth momentum. Efficient
momentum pertumbuhan dengan sehat dan cost management is also carried out consistently
sustainable. Pengelolaan biaya secara efisien juga by establishing a priority scale that is in line with the
dilakukan secara konsisten dengan melakukan Company’s business plan.
penetapan skala prioritas yang sejalan dengan
rencana bisnis Perseroan.
Rasio Likuiditas Liquidity Ratio
Kemampuan Perseroan dalam menjaga likuiditas The Company’s ability to maintain liquidity is very
sangat penting untuk dapat memenuhi kebutuhan important to be able to meet customer needs and
Nasabah dan menjaga kredibilitas sebagai bank. maintain credibility as a bank. For this reason, the
Untuk itu Perseroan senantiasa berupaya untuk Company always strives to maintain liquidity levels
menjaga tingkat likuiditas melalui berbagai indikator through various indicators that are monitored daily,
yang dimonitor secara harian seperti rasio Alat Likuid such as the ratio of Liquid Assets to Non-Core
terhadap Non Core Deposit dan rasio Alat Likuid Deposits and the ratio of Liquid Assets to Third Party
terhadap Dana Pihak Ketiga. Indikator-indikator ini Funds. These indicators have thresholds determined
memiliki threshold yang ditetapkan berdasarkan based on applicable regulations and are monitored as
ketentuan yang berlaku dan dimonitor sebagai bagian part of the Early Warning System built by the liquidity
dari Early Warning System yang dibangun oleh unit risk management unit together with related units.
pengelolaan risiko likuiditas bersama unit-unit terkait.
Rasio Kepatuhan Compliance Ratio
Rasio-rasio kepatuhan seperti pelampauan BPMK Compliance ratios such as exceeding BPMK and
dan pemenuhan GWM senantiasa dikelola dan meeting GWM are always managed and fulfilled to
dipenuhi untuk mewujudkan pengelolaan bank yang realize prudent bank management. Compliance with
prudent. Kepatuhan atas rasio-rasio ini dimonitor oleh these ratios is monitored by various units, including the
berbagai unit, baik unit Kepatuhan, unit pengelolaan Compliance unit, risk management unit and Treasury
risiko, dan unit Treasury yang senantiasa melakukan unit, which always carry out intense communication to
komunikasi yang intens untuk memastikan rasio- ensure that these ratios are met properly.
rasio tersebut terpenuhi dengan baik.
FAKTA MATERIAL MATERIAL FACTS
Hingga diterbitkannya Laporan Tahunan ini tidak Until the publication of this Annual Report there are
terdapat fakta material yang belum diungkapkan no material facts that have not been disclosed to the
kepada publik. public.
126 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KINERJA KEUANGAN
Financial Performance
PENCAPAIAN TARGET TARGET ACHIEVEMENT
Meski ketidakpastian regional dan global membayangi Even though regional and global uncertainty looms
awal tahun 2023, berlanjutnya pemulihan ekonomi over the beginning of 2023, the continuing national
nasional telah menjadi momentum yang baik economic recovery has provided good momentum
bagi industri perbankan untuk tumbuh lebih baik, for the banking industry to grow better, including
tak terkecuali bagi Perseroan. Dalam tahun 2023, the Company. In 2023, the Company succeeded in
Perseroan berhasil mencapai target-target keuangan achieving the main financial targets set out in the
utama yang telah ditetapkan dalam Rencana Bisnis Bank’s Business Plan, including the following:
Bank di antaranya adalah sebagai berikut :
• Pencapaian Total Aset terhadap target adalah • Achievement of Total Assets against the target
sebesar 102,97% reached 102.97%
• Pencapaian Penyaluran Kredit terhadap target • Achievement of Loan Disbursement against the
adalah sebesar 104,72% target reached 104.72%
• Pencapaian Penghimpunan DPK terhadap target • Achievement of TPF acquisition against the target
adalah sebesar 102,03% reached 102.03%
• Pencapaian Laba Bersih terhadap target adalah • Achievement of Net Income against target reached
sebesar 114,74% 114.74%
Beberapa rasio keuangan telah mencapai targetnya Several financial ratios have reached targets such as
seperti ROA, ROE, BOPO dan NPL, dan beberapa ROA, ROE, BOPO and NPL, and several other ratios
rasio lainnya masih memerlukan perbaikan. still require improvement.
Target Pertumbuhan 2024 2024 Growth Target
Untuk tahun 2024, dengan memperhitungkan capaian For 2024, taking into account the achievements in
di tahun 2023 serta mempertimbangkan berbagai 2023 and considering various existing opportunities
peluang yang ada dan faktor-faktor internal Perseroan, and internal factors of the Company, the Company is
maka Perseroan mentargetkan pertumbuhan Aset di targeting asset growth in the range of 10-15%. Deposit
kisaran 10-15%. Penghimpunan DPK diproyeksikan collection is projected to grow around 10-15%, while
tumbuh sekitar 10-15%, sedangkan untuk Penyaluran loan distribution is projected to grow in the range of
Kredit diproyeksikan tumbuh di kisaran 15-20%. Laba 15-20%. The Company’s Net Profit is targeted to grow
Bersih Perseroan ditargetkan dapat tumbuh 10-15% di 10-15% in 2024.
tahun 2024.
Strategi pertumbuhan DPK tetap difokuskan pada The deposit growth strategy remains focused on
pertumbuhan CASA yang kuat dengan biaya bunga strong CASA growth with relatively managed interest
yang relatif terkelola, termasuk pengembangan expenses, including the development of digital
produk dan layanan digital untuk menopang products and services to support savings account
pertumbuhan rekening tabungan terutama melalui growth, particularly through e-Know Your Customer
e-Know Your Customer (EKYC) atau ‘digital onboarding’ (EKYC) or ‘digital onboarding’ which makes it easier
yang memudahkan masyarakat yang ingin membuka for individuals to open an account and access the
rekening dan menikmati layanan perbankan digital Company’s digital banking services.
Perseroan.
Pada penyaluran kredit, Perseroan akan In lending, the Company plans to capitalize on growth
memanfaatkan peluang pertumbuhan terutama dari opportunities, especially in the MSME segment, which
potensi segmen pelaku UMKM yang masih cukup still presents substantial potential, and consumer
besar, dan segmen consumer (KPR/KPA) yang saat business segments (KPR/KPA), which currently
ini masih menunjukkan tren peningkatan yang cukup exhibit a robust upward trend.
baik.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 127
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ANALISIS & PEMBAHASAN MANAJEMEN
Management Discussion And Analysis
KINERJA KEUANGAN
Financial Performance
KEBIJAKAN DIVIDEN DIVIDEND POLICY
Berdasarkan UUPT, pembayaran dividen dilakukan Based on the Private Limited Law (UUPT), dividend
melalui keputusan pemegang saham pada RUPS payments are made through shareholder resolutions
tahunan atau luar biasa atas rekomendasi dari Direksi at the annual or extraordinary GMS on the
Perseroan. Perseroan dapat melakukan pembayaran recommendation of the Company’s Board of Directors.
dividen dalam suatu tahun atas hasil laba bersih The Company can make dividend payments in one
Perseroan dari tahun sebelumnya. Sebelum year on the results of the Company’s net income from
berakhirnya tahun buku Perseroan, dividen dapat the previous year. Before the end of the Company’s
dibagikan selama diizinkan oleh Anggaran Dasar financial year, dividends can be distributed as long as
Perseroan dan jika pembagian dividen tersebut tidak permitted by the Company’s Articles of Association
menyebabkan jumlah kekayaan bersih Perseroan and if the distribution of dividends does not cause
lebih kecil daripada jumlah modal ditempatkan dan the amount of the Company’s net worth to be less
disetor ditambah cadangan wajib. than the amount of issued and paid-up capital plus
mandatory reserves.
Pembagian tersebut ditentukan oleh Direksi setelah The distribution of dividends is determined by the
disetujui oleh Dewan Komisaris. Apabila setelah akhir Board of Directors and subsequently approved by
tahun buku tersebut, Perseroan mengalami kerugian, the Board of Commissioners. In the event that the
maka dividen yang telah dibagikan harus dikembalikan Company incurs a loss after the end of the financial
oleh pemegang saham kepada Perseroan. Direksi year, shareholders are required to return any previously
dan Dewan Komisaris bertanggung jawab secara distributed dividends to the Company. Should
tanggung renteng atas kerugian Perseroan, dalam shareholders be unable to comply, both the Board of
hal pemegang saham tidak dapat mengembalikan Directors and the Board of Commissioners are held
dividen yang harus dikembalikan. jointly responsible for the Company’s losses.
Dengan mempertimbangkan hal di atas, maka Taking into account the above, the Company’s dividend
kebijakan dividen Perseroan adalah sebagai berikut: policy is as follows:
Laba Setelah Pajak Persentase Dividen Kas Terhadap Laba Setelah Pajak
Income After Tax Percentage of Cash Dividends to Net Income
10 – 15%
Sampai dengan Rp100 miliar | Up to Rp100 billion
15 – 25%
Lebih dari Rp100 miliar | More than Rp100 billion
Suku Bunga Dasar Kredit | Prime Lending Rate
Per 31 Desember 2023 | As of December 31, 2023
Suku Bunga Dasar Kredit Rupiah (Prime Lending Rate)
Berdasarkan Segmen Kredit | Based on Loan Segment
Kredit Kredit Konsumsi | Consumer Loan
Korporasi Kredit Ritel Kredit Mikro
Corporate Retail Loan Micro loan KPR Non KPR
Loan Housing Loan Non Housing Loan
Suku Bunga Dasar Kredit (SBDK) 0,00% 11,25% 13,99% 9,99% 0,00%
Prime Lending Rate
128 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KINERJA KEUANGAN
Financial Performance
PERUBAHAN PERATURAN PERUNDANG- REGULATORY CHANGES THAT HAVE A MATERIAL
UNDANGAN YANG BERDAMPAK MATERIAL IMPACT ON FINANCIAL PERFORMANCE
TERHADAP KINERJA KEUANGAN
Perseroan telah menyusun laporan keuangan untuk The Company has prepared financial statements for
tanggal-tanggal yang berakhir pada tanggal 31 the dates ended 31 December 2023 and 2022, which
Desember 2023 dan 2022, yang terdapat di dalam are contained in the Annual Report in accordance
Laporan Tahunan sesuai ketentuan yang berlaku. with applicable regulations. During the reporting year,
Sepanjang tahun laporan tersebut, tidak terdapat there were no changes to the Law, Bank Indonesia
perubahan Undang-Undang, Peraturan Bank Regulations or OJK Regulations in 2023 that had a
Indonesia ataupun Peraturan OJK di tahun 2023 yang material impact on the Company’s performance or
berdampak material terhadap kinerja ataupun posisi financial position other than those described in the
keuangan Perseroan selain yang telah dijelaskan financial statements.
dalam laporan keuangan tersebut.
PERUBAHAN KEBIJAKAN AKUNTANSI CHANGES IN ACCOUNTING POLICIES
Standar Akuntansi dan Interpretasi Standar yang New Accounting Standard and Interpretation of
Telah Disahkan Namun Belum Berlaku Efektif Standard which Has Issued but Not Yet Effective
Dewan Standar Akuntansi Keuangan Ikatan Akuntan Financial Accounting Standard Board of Indonesian
Indonesia (“DSAK-IAI”) telah menerbitkan standar Institute of Accountants (“DSAK IAI”) has issued
baru, amandemen dan interpretasi berikut, namun the following new standards, amendments and
belum berlaku efektif untuk tahun buku yang dimulai interpretations, but not yet effective for the financial
pada 1 Januari 2024 adalah sebagai berikut: year beginning January 1, 2024 are as follows:
• Amendemen PSAK 1: “Penyajian Laporan • Amendment PSAK 1: “Presentation of Financial
Keuangan” terkait liabilitas jangka panjang dengan Statements” insurance contract regarding long-
kovenan; term liabilities with the covenant;
• Amendemen PSAK 73: “Sewa” terkait liabilitas • Amendment PSAK 73: “Leases” regarding lease
sewa pada transaksi jual dan sewa-balik; liabilities in sale-and-lease back transactions;
• Revisi PSAK 101: “Penyajian Laporan Keuangan • Revised PSAK 101: “Presentation of Shariah
Syariah”; dan Financial Statement”; and
• Revisi PSAK 109: “Akuntansi Zakat, Infak, dan • Revised PSAK 109: “Zakah, Infaq and Sadaqah
Sedekah tentang akuntansi zakat, infak dan related to accounting of zakah, infaq and sadaqah”.
sedekah”.
Standar baru dan amendemen atas standar yang New standard and amendment to standard which
berlaku efektif untuk periode yang dimulai pada effective for periods beginning on or after January 1,
atau setelah 1 Januari 2025, dengan penerapan dini 2025, with early adoption is permitted, are as follows:
diperkenankan yaitu: • PSAK 74: Insurance Contract; and
• PSAK 74: Kontrak Asuransi; dan • Amendment PSAK 74: Insurance Contract
• Amendemen PSAK 74: Kontrak Asuransi tentang regarding Initial Application of PSAK 74 and PSAK
Penerapan Awal PSAK 74 dan PSAK 71 – Informasi 71 – Comparative Information.
Komparatif.
Hingga tanggal laporan keuangan ini diotorisasi, Bank Until the date of the financial statements is authorized,
masih mempelajari dampak yang mungkin timbul the Bank is still evaluating the potential impact
dari penerapan standar baru dan revisi tersebut serta of these new and revised standards to the Bank’s
pengaruhnya pada laporan keuangan Bank. financial statements.
DSAK-IAI juga mengesahkan perubahan penomoran DSAK-IAI also ratified changes to the number of PSAK
PSAK dan ISAK yang berlaku efektif pada 1 Januari and ISAK which will be effective on January 1, 2024.
2024, dimana perubahan ini tidak memengaruhi This change does not affect the substance of the
substansi pengaturan dalam masing-masing PSAK requirement in each PSAK and ISAK.
dan ISAK tersebut.
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ANALISIS & PEMBAHASAN MANAJEMEN
Management Discussion And Analysis
TEKNOLOGI INFORMASI
Information Technology
Sepanjang tahun 2023, Perseroan melanjutkan fokus pengembangan teknologi
informasi pada penyempurnaan platform digital dan pengembangan kolaborasi
dengan berbagai mitra untuk memperluas penyediaan produk dan layanan digital
bagi masyarakat. Perseroan juga melakukan penguatan arsitektur teknologi
informasi agar tetap andal dan aman, dan terus memperbarui perangkat, jaringan,
serta melakukan monitoring sistem teknologi informasi secara konsisten untuk
memastikan tingkat Availability, Reliability dan Security yang optimal guna
mendukung pertumbuhan bisnis dan menghindari ancaman cyber security.
Throughout 2023, the Company continued to focus on information technology
development on improving digital platforms and developing collaboration with
various partners to expand the provision of digital products and services for the
community. The Company also strengthened its information technology architecture
to ensure it remains reliable and secure, and continues to update devices, networks,
and consistently monitors information technology systems to ensure optimal levels
of Availability, Reliability and Security to support business growth and avoid cyber
security threats.
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TEKNOLOGI INFORMASI
Information Technology
Fungsi Teknologi Informasi (TI) sangat penting The Information Technology (IT) function plays a pivotal
dalam mewujudkan strategi perusahaan, khususnya role in achieving the company’s objectives, particularly
dalam menyediakan layanan digital yang handal by delivering dependable and quality digital services to
dan berkualitas bagi nasabah. Pengembangan customers. By advancing the company’s technology,
TI memastikan bahwa teknologi yang dimiliki IT facilitates the Bank’s capacity to provide better
perusahaan dapat meningkatkan kemampuan services to customers as well as enables the creation
Bank dalam memberikan pelayanan yang lebih baik of innovative products and services.
kepada nasabah, serta mendukung pengembangan
produk dan layanan baru.
Dalam mengembangkan produk dan layanan baru, The development of new products and services is
saat ini sangat dipengaruhi oleh perkembangan digital heavily influenced by digital advancements, which
yang secara tidak langsung juga mempengaruhi gaya have a ripple effect on people’s lifestyles and finances.
hidup dan pengelolaan keuangan pada masyarakat. The millennial generation, in particular, seeks efficiency
Terutama pada generasi milenial, yang menuntut and effectiveness in all areas, including banking
efisiensi dan efektivitas dalam berbagai hal, termasuk services. Due to technological advancements, evolving
dalam layanan perbankan. Perubahan teknologi, markets, changing consumer demands, and business
pasar, konsumen, dan ekosistem bisnis memaksa ecosystems, banks are no longer competing solely
perbankan untuk bersaing bukan lagi dengan Bank, with other banks. Instead, competing with fintech,
melainkan dengan fintech yang memunculkan era giving rise to digital banking systems that are now a
digital Banking system yang telah memasuki dunia part of conventional banking.
perbankan konvensional saat ini.
Direktorat Inovasi dan Teknologi Informasi (ITI) The Innovation and Information Technology (ITI)
memiliki peran penting dalam transformasi digital Directorate has an important role in the banking digital
perbankan. ITI bertanggung jawab untuk menyediakan transformation. ITI is in charge of delivering high-
layanan yang berkualitas dan berkesinambungan quality, sustainable services with strong technological
dengan performa teknologi dan operasional yang and operational performance and innovative IT
baik serta solusi TI yang inovatif. ITI memprioritaskan solutions. ITI prioritized efficiency and rigorous
efisiensi dan pengendalian internal yang ketat internal controls to ensure the Company’s optimal
dalam memastikan kinerja Perseroan. Perseroan performance. The Company is committed to providing
berkomitmen untuk memberikan layanan terbaik excellent customer service by giving priority to:
bagi nasabah dengan mengedepankan:
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 131
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ANALISIS & PEMBAHASAN MANAJEMEN
Management Discussion And Analysis
TEKNOLOGI INFORMASI
Information Technology
STRATEGI TEKNOLOGI INFORMASI
INFORMATION TECHNOLOGY STRATEGY
1. Fokus pada pengembangan teknologi informasi yang andal dan terkini untuk meningkatkan kapabilitas Bank
dalam memberikan layanan digital yang efisien dan inovatif bagi nasabah;
2. Menerapkan strategi teknologi informasi yang terarah dan sesuai dengan perkembangan zaman untuk
mencapai visi dan misi teknologi informasi.
1. Focusing on developing reliable and up-to-date information technology to improve the Bank’s capability in
providing efficient and innovative digital services for customers;
2. Adopting information technology strategies that are directed and aligns with the current trends to achieve the
vision and mission of information technology.
Visi | Vision:
Menerapkan Teknologi Informasi yang prima untuk mendukung pencapaian rencana Strategis Bank.
Implementing excellent Information Technology to support the achievement of the Bank’s Strategic
plan.
Misi | Mission:
Mengoptimalkan kekuatan internal Bank dan sinergi positif dalam Pengelolaan Sistem Teknologi
Informasi (Sumber Daya, Aplikasi, Fasilitas, infrastruktur dan Data).
Optimizing the Bank’s internal strengths and positive synergies in Information Technology System
Management (Resources, Applications, Facilities, infrastructure and Data).
Direktorat ITI memprioritaskan pembangunan The ITI Directorate prioritizes the development of
platform digital yang handal dan berkolaborasi reliable digital platforms and collaborates with
dengan berbagai perusahaan untuk meningkatkan various companies to enhance digital products and
penyediaan produk dan layanan digital sehingga services so that it can be utilized by wider community.
dapat dinikmati masyarakat semakin luas. ITI ITI places an emphasis on building a strong and
melakukan penekanan pada pembangunan secure information technology architecture,
arsitektur teknologi informasi yang kuat dan aman, and continuously updating devices, networks,
dan terus memperbarui perangkat, jaringan, serta and monitoring information technology systems
melakukan monitoring sistem teknologi informasi consistently to ensure optimum levels of Availability,
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TEKNOLOGI INFORMASI
Information Technology
secara konsisten untuk memastikan tingkat Reliability and Security to support business growth
Availability, Reliability dan Security yang optimal untuk and avoid cyber security threats. Hybrid infrastructure
mendukung pertumbuhan bisnis dan menghindari is also adopted to optimize performance and provide
ancaman cyber security. Hybrid infrastruktur juga flexibility in meeting changing business needs. In the
diterapkan untuk mengoptimalkan kinerja dan development of hybrid infrastructure that involves
memberikan fleksibilitas dalam memenuhi kebutuhan a combination of cloud technology and traditional
bisnis yang berubah. Dalam pembangunan hybrid technology (on premises) as part of the information
infrastruktur yang melibatkan kombinasi antara technology management strategy so as to enable
teknologi cloud dan teknologi tradisional (on premises) the Company to access the flexibility and scalability
sebagai bagian dari strategi pengelolaan teknologi of cloud services, as well as maintaining necessary
informasi sehingga memungkinkan Perseroan untuk data control and security. This ensures that the
mengakses fleksibilitas dan skalabilitas layanan Company can meet current and future business
cloud, serta mempertahankan kontrol dan keamanan needs taking into account safety and cost factors.
data yang diperlukan. Ini memastikan bahwa Hybrid infrastructure is also an important part of the
Perseroan dapat memenuhi kebutuhan bisnis saat Company’s efforts to overcome digital challenges and
ini dan masa depan dengan mempertimbangkan ensure sustainable business growth.
faktor keamanan dan biaya. Hybrid infrastruktur
juga menjadi bagian penting dari upaya Perseroan
untuk mengatasi tantangan digital dan memastikan
pertumbuhan bisnis yang berkelanjutan.
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ANALISIS & PEMBAHASAN MANAJEMEN
Management Discussion And Analysis
TEKNOLOGI INFORMASI
Information Technology
Sumber Daya Manusia Human Resources
Direktorat ITI memiliki peran penting dalam The ITI Directorate has an important role in supporting
menunjang transformasi digital perbankan melalui the banking digital transformation through the
pengembangan sumber daya manusia, platform development of human resources, digital platforms,
digital, dan keamanan teknologi informasi. Dalam hal and information technology security. On human
pengembangan sumber daya manusia, ITI berupaya resource development, ITI seeks to strengthen the
memperkuat kapasitas dan kompetensi staf melalui capacity and competence of staff through training
pelatihan dan program pengembangan karir. and career development programs.
ITI telah melakukan beberapa penguatan organisasi Throughout 2023, ITI has made various organizational
sepanjang tahun 2023 dengan membangun Digital improvements aimed at strengthening its
Banking Delivery & Security Division sebagai first layer cybersecurity measures, by creating a Digital Banking
of defense, serta pembentukan Cyber, Data Protection Delivery & Security Division as the first line of defense
& Product Risk Assurance (CDPA Group) yang and established the Cyber, Data Protection & Product
berfungsi sebagai second dan third layer of defense Risk Assurance (CDPA Group) as the second and
pada Perseroan yang seluruhnya berfokus pada cyber third line of defense in the company. These efforts
security. Ini merupakan upaya ITI untuk memastikan are geared towards prioritizing and effectively
bahwa segala bentuk keamanan teknologi informasi implementing all forms of information technology
diprioritaskan dan diterapkan secara efektif. Dengan security to ensure that ITI can provide the best service
demikian, ITI dapat memberikan layanan terbaik bagi to customers while maintaining information security
Nasabah dan menjaga keamanan informasi sesuai in accordance with relevant laws.
undang-undang yang berlaku.
Proses untuk Layanan Berkualitas Process for Quality Service
Dengan meningkatkan kemampuan analisa data, By improving data analysis capabilities, the ITI
Direktorat ITI memastikan proses untuk memberikan Directorate ensures a process to provide quality
layanan berkualitas yang terfokus pada kebutuhan services that are focused on customer needs. This
nasabah. Kemampuan ini membantu dalam capability helps in determining the level of efficiency
menentukan tingkat efisiensi dan memastikan bahwa and ensuring that the services provided are fast
layanan yang diberikan cepat dan tepat. Analisa and precise. Data analysis also increases employee
data juga meningkatkan produktivitas karyawan dan productivity and provides a competitive advantage in
memberikan keunggulan kompetitif dalam industri the banking industry.
perbankan.
Manajemen Risiko Risk Management
Direktorat ITI terus meningkatkan kualitas budaya The ITI Directorate continues to improve the quality
dan pelatihan manajemen risiko teknologi of information technology risk management culture
informasi untuk memastikan sumber daya manusia and training to ensure human resources understand
memahami risiko yang melekat pada setiap aktivitas the risks inherent in each work unit activity. This is
unit kerja. Ini untuk meningkatkan kewaspadaan to increase awareness of information security risks
terhadap risiko keamanan informasi dan memastikan and ensure that each party plays an active role in
bahwa setiap pihak berperan aktif dalam menjaga maintaining information security. Vigilance against
keamanan informasi. Kewaspadaan terhadap risiko information security risks, including cyber risks, must
keamanan informasi, termasuk risiko cyber, harus be continuously enhanced to ensure the integrity and
terus ditingkatkan untuk memastikan integritas security of customer data and help mitigate potential
dan keamanan data nasabah serta membantu cyber threats.
mengurangi potensi ancaman cyber.
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TEKNOLOGI INFORMASI
Information Technology
Tata Kelola Operasi dan Teknologi Informasi Operations Governance and Information
Technology
Keberadaan Information Technology Steering The Bank has the Information Technology Steering
Committee (ITSC), yaitu komite eksekutif di bawah Committee (ITSC) in place, which is an executive
Direksi yang bertanggung jawab untuk mengatur, committee under the Board of Directors that is in
mengawasi dan memastikan pengaturan tata kelola charge for regulating, supervising and ensuring
dan manajemen Operasi Teknologi Informasi. the governance and management of Information
Technology Operations.
Melalui rapat bulanan yang dipimpin oleh Direktur The Director of Innovation, Operations, and
Inovasi, Operasi, dan Teknologi Informasi dibahas Information Technology leads monthly meetings
hal-hal terkait rencana kerja, pencapaian dari to discuss the work plan, assess progress made in
setiap kegiatan, dan membahas pengawasan each activity, and address any issues that may arise.
dan penyelesaian masalah yang mungkin timbul. By regularly communicating and discussing matters
Dengan komunikasi dan diskusi berkala dalam forum in these meetings, the committee is able to closely
rapat tersebut, maka komite ini dapat memonitor monitor every stage of the process, ensuring that each
setiap tahapan proses yang dilakukan sehingga stage - including selection, trial, implementation, and
setiap tahapan pemilihan, uji coba, implementasi risk mitigation - is thoroughly planned and executed
dan mitigasi risiko secara komprehensif dapat according to established procedures.
dipersiapkan dan dilaksanakan sesuai prosedur yang
berlaku.
Pengembangan Teknologi tahun 2023 Technology Development in 2023
Perseroan melakukan beberapa inisiatif baik dari Despite the ongoing pandemic situation, the
penyediaan ketersediaan layanan baru untuk Company has undertaken various initiatives including
Nasabah, kerja sama dengan mitra strategis maupun introducing new services for customers, partnering
penguatan infrastruktur Teknologi Informasi. with strategic partners, and strengthening information
technology infrastructure.
Kerja sama strategis untuk pembayaran non Strategic cooperation for cashless payments and to
tunai dan untuk memudahkan Pelanggan pada facilitate Customers at Strategic Partners locations
Mitra Strategis tanpa harus tatap muka dan atau through QRIS services, thereby eliminating the need
bersentuhan melalui layanan QRIS memberikan nilai for face-to-face interaction, provides positive value to
positif kepada stakeholders. stakeholders.
Penguatan infrastruktur untuk mendukung transaksi Reliable technology support is necessary to reinforce
Nasabah baik dari sisi Availability, Reliability dan the infrastructure for enabling customer transactions
Security dan juga aktivitas operasional Karyawan with improved availability, reliability, and security, and
dalam masa Pandemi membutuhkan dukungan to facilitate the operational activities of employees
Teknologi yang handal. amidst the pandemic.
Akuisisi cloud infrastructure dengan penerapan hybrid The Acquisition of cloud infrastructure, utilizing a
infrastruktur untuk meningkatkan fleksibilitas dan hybrid deployment model, is aimed at enhancing the
efektifitas dalam penyediaan infrastruktur TI, yang flexibility and efficacy of IT infrastructure. This effort
diimbangi dengan penguatan pada bidang cyber is balanced by reinforcing cybersecurity measures
security dengan melengkapi 1st, 2nd, dan 3rd layer of through the implementation of first, second, and third
defense. layers of defense.
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ANALISIS & PEMBAHASAN MANAJEMEN
Management Discussion And Analysis
TEKNOLOGI INFORMASI
Information Technology
Rencana Pengembangan Teknologi Informasi 2024 Information Technology Development Plan 2024
Dalam menyambut akhir pandemi, maka akan As the pandemic comes to an end, there will be fresh
muncul opportunity baru dalam bisnis perbankan possibilities in the banking industry that were previously
yang mungkin tidak teridentifikasi sebelumnya. Hal unknown. While this may lead to some disturbances,
tersebut dapat menimbulkan disrupsi, namun dengan effective management can turn it into a chance for
pengelolaan yang baik, hal tersebut dapat diubah growth. By enhancing both infrastructure and human
menjadi peluang. Dengan peningkatan kapasitas dan resources, the Company can take advantage of these
kapabilitas yang terukur baik dari sisi Infrastruktur opportunities and make the most of them.
maupun Sumber Daya Manusia, opportunity tersebut
akan dapat ditangkap dan didukung untuk menjadi
peluang yang dapat dimanfaatkan oleh Perseroan.
Berikut ini adalah rencana pengembangan teknologi The following are information technology development
informasi pada tahun 2024: plan in 2024:
• Pengembangan digital banking platform guna • Development of a digital banking platform to
mendukung pengembangan layanan perbankan support the development of digital banking services
digital dengan dukungan akuisi infrastruktur with the support of cloud-based infrastructure
berbasis cloud dengan proses delivery secara acquisition with an agile delivery process;
agile;
• Perluasan bisnis Open Banking dan API dengan • Expansion of Open Banking and API business
membuka akses data dan layanannya melalui by opening access to data and services through
API kepada pihak ketiga untuk mempermudah APIs to third parties to facilitate integration and
integrasi dan meningkatkan layanan kepada improve services to customers, especially in the
nasabah khususnya pada fungsi transaksional BI transactional function of BI Fast;
Fast;
• Peningkatan Keamanan Cyber dan Implementasi • Enhancement of Cyber Security and
Kebijakan Privasi Data untuk memastikan bahwa Implementation of Data Privacy Policy to ensure
sistem dan data nasabah aman dari ancaman that customer systems and data are safe from
cyber dan memenuhi standar privasi data yang cyber threats and meet applicable data privacy
berlaku; standards;
• Penggunaan AI dan ML untuk melakukan analisis • The use of AI and ML to perform data analysis and
data dan meningkatkan layanannya kepada improve its services to customers;
nasabah;
• Riset dan Pengembangan teknologi Blockchain • Research and Development of Blockchain
untuk meningkatkan transparansi, efisiensi, dan technology to improve transparency, efficiency, and
keamanan dalam transaksi dan manajemen aset security in transaction and asset management,
khususnya pada pembiayaan mikro dan Know especially in microfinance and Know Your
Your Customer; Customer;
• Peningkatan Layanan Mobile dan Digital untuk • Improvement of Mobile and Digital Services
mempermudah akses nasabah dan memenuhi to facilitate customer access and meet their
harapan mereka terhadap layanan finansial expectations of modern financial services;
modern;
• Pengembangan Infrastruktur Cloud untuk • Cloud Infrastructure Development to improve
meningkatkan efisiensi, skalabilitas, dan efficiency, scalability, and reduce operational costs
mengurangi biaya operasional dengan penerapan with hybrid cloud deployments;
hybrid cloud;
• Peningkatan Layanan Keuangan Inklusif dengan • Enhancement of Financial Inclusion Services by
memastikan ketersediaan layanan dan terjangkau ensuring service availability and affordability for
bagi seluruh segmen pasar, termasuk mereka all market segments, including those who are
yang terpinggirkan; marginalized;
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• Pengembangan cash management dan supply • Development of cash management and supply
chain financing baik untuk segment corporate, chain financing for the corporate, SME and retail
SME dan retail untuk meningkatkan layanan dan segments to improve customer service and
akuisisi nasabah; acquisition;
• Pengembangan aplikasi pendukung pelaporan • Development of reporting support applications for
baik untuk keperluan regulator maupun keperluan both regulatory and other banking needs on the
lain pada berbankan pada platform New Central new Central Bank Reporting platform;
Bank Reporting;
• Implementasi arsitektur baru dengan akuisisi • Implementation of a new architecture by acquiring
server generasi baru untuk melakukan a new generation of servers to rejuvenate servers in
peremajaan server pada Data Center sehingga the Data Center so that they have good reliability,
memiliki reabilitas, dukungan dan ketersediaan support and availability;
yang baik;
• Pengembangan solusi back up management • Development of back up management solutions
untuk meningkatkan reliabilitas data dalam to increase data reliability to support business
menunjang kebutuhan bisnis; needs;
• Integrasi Teknologi Berbasis Lingkungan dan • Integration of Environmental and Social Based
Sosial untuk mempromosikan inisiatif lingkungan Technology to promote environmental and social
dan sosial yang bermanfaat bagi masyarakat dan initiatives that benefit society and the environment.
lingkungan.
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TATA KELOLA PERUSAHAAN
Corporate Governance
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TATA KELOLA
PERUSAHAAN
YANG BAIK
GOOD
CORPORATE
GOVERNANCE
Perseroan menerapkan
tata kelola yang efektif yang
menumbuhkan budaya
manajemen risiko, kepatuhan,
dan pengambilan keputusan
yang beretika, yang pada
gilirannya meningkatkan
kepercayaan investor,
mendukung stabilitas
keuangan, dan berkontribusi
pada pertumbuhan ekonomi
secara keseluruhan. Perseroan
berupaya mematuhi peraturan
perundang-undangan, termasuk
menumbuhkan budaya
yang menghargai keadilan,
transparansi, akuntabilitas, dan
tanggung jawab di setiap tingkat
operasionalnya.
The Company implements effective governance that fosters a culture of risk management,
compliance, and ethical decision-making, which, in turn, enhances investor confidence,
fosters financial stability, and contributes to the overall growth of the economy. The Company
strives to adhering the rules and regulations, including to cultivating a culture that values
fairness, transparency, accountability, and responsibility at every level of operation.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 139
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TATA KELOLA PERUSAHAAN
Corporate Governance
LAPORAN PELAKSANAAN
TATA KELOLA PERUSAHAAN
Corporate Governance Implementation Report
PENDAHULUAN INTRODUCTION
Perseroan senantiasa meningkatkan penerapan tata Nobu Bank continues to improve the implementation
kelola yang merupakan prasyarat bagi keberhasilan of governance, which is a prerequisite for the success
dan keberlangsungan perusahaan dalam jangka and sustainability of the company in the long term.
panjang.
Dalam melakukan aktivitasnya, Perseroan senantiasa In conducting its activities, Nobu Bank has always
berlandaskan pada 5 prinsip dasar tata kelola yang been based on 5 basic principles of governance which
meliputi: include:
1. Transparansi yaitu keterbukaan dalam 1. Transparency, namely openness in disclosing
mengemukakan informasi yang material dan material and relevant information and openness in
relevan serta keterbukaan dalam melaksanakan carrying out the decision-making process;
proses pengambilan keputusan; 2. Accountability, namely the clarity of functions
2. Akuntabilitas yaitu kejelasan fungsi dan and implementation of the responsibility of the
pelaksanaan pertanggungjawaban organ Bank Bank’s organs, allowing its management to runs
sehingga pengelolaannya berjalan secara efektif; effectively;
3. Pertanggungjawaban yaitu kesesuaian 3. Responsibility, namely the suitability of the Bank’s
pengelolaan Bank dengan peraturan perundang- management with the laws and regulations and
undangan dan prinsip-prinsip pengelolaan Bank the principles of sound Bank management;
yang sehat;
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LAPORAN PELAKSANAAN TATA KELOLA PERUSAHAAN
Corporate Governance Implementation Report
Tata Kelola Perusahaan yang Baik mencakup kerangka kerja, kebijakan, dan praktik
yang memastikan Perseroan beroperasi secara transparan, etis, dan bertanggung
jawab, menjaga kepentingan semua pemangku kepentingan, termasuk pelanggan,
karyawan, pemegang saham, dan masyarakat luas.”
“Good Corporate Governance encompasses the frameworks, policies, and practices
that ensure the Company operates in a transparent, ethical, and accountable manner,
safeguarding the interests of all stakeholders, including customers, employees,
shareholders, and the wider community
4. Independensi yaitu pengelolaan Bank secara 4. Independence, namely professional management
profesional tanpa pengaruh atau tekanan dari of the Bank without influence or pressure from any
pihak manapun; dan party; and
5. Kewajaran yaitu keadilan dan kesetaraan dalam 5. Fairness, namely justice and equality in fulfilling
memenuhi hak-hak para pemangku kepentingan the rights of stakeholders arising from agreements
yang timbul berdasarkan perjanjian dan peraturan and laws and regulations.
perundang-undangan.
Selain itu, dalam melaksanakan tata kelola mengacu In addition, the implementation of governance also
juga pada 3 aspek yaitu governance structure, refers to 3 aspects, namely governance structure,
governance process dan governance outcome. governance process and governance outcome.
Penerapan tata kelola memberikan manfaat bagi The implementation of governance provides benefits
Bank untuk: for the Bank to:
1. Meningkatkan kinerja Bank, 1. Improve the Bank’s performance,
2. Melindungi kepentingan Pemangku Kepentingan, 2. Protect the interests of stakeholders, and
serta
3. Meningkatkan kepatuhan terhadap peraturan 3. Improve compliance with applicable laws and
perundang-undangan yang berlaku. regulations.
Hal ini selaras dengan usaha Bank dalam memperluas This is in line with the Bank’s efforts in expanding
pelayanannya kepada Pemangku Kepentingan, its services to Stakeholders, so that it can serve
sehingga dapat melayani nasabah dengan produk customers with superior and useful products and
dan jasa yang unggul dan bermanfaat serta wilayah services and operating areas throughout Indonesia,
operasi di seluruh Indonesia, menjalin kerja sama collaborating with synergistic partners and increasing
dengan mitra sinergis serta peningkatan manfaat benefits for the community by introducing banking
bagi masyarakat dengan mengenalkan produk- products to increase financial literacy.
produk perbankan sehingga dapat meningkatkan
literasi keuangan.
Penerapan tata kelola yang dilakukan oleh Bank, The implementation of governance carried out by the
antara lain: Bank, among others:
1. Memiliki Organ Perseroan berupa Rapat Umum 1. Having a Company Organ in the form of a General
Pemegang Saham, Dewan Komisaris dan Direksi Meeting of Shareholders, Board of Commissioners
sesuai dengan peraturan dan perundang- and Board of Directors in accordance with
undangan yang berlaku; applicable laws and regulations;
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2. Menerapkan pembentukan perangkat organisasi 2. Implementing the establishment of adequate
yang memadai agar penerapan tata kelola dapat organizational tools so that the implementation
berjalan dengan baik, yaitu melalui pembentukan of governance can run well, namely through the
komite-komite di bawah ruang lingkup Dewan establishment of committees under the scope
Komisaris maupun Direksi sehingga dapat of the Board of Commissioners and the Board of
mendukung setiap pengambilan keputusan, baik Directors to support every decision making, both
dalam koridor pengawasan maupun eksekusi in the corridor of supervision and operational
operasional; execution;
3. Sinergisnya unit-unit pengawasan internal yang 3. The synergy of independent internal control
independen seperti Satuan Kerja Audit Internal units such as the Internal Audit Unit (SKAI), Risk
(SKAI), Satuan Kerja Manajemen Risiko (SKMR) Management Unit (SKMR) and Compliance Unit
dan Satuan Kerja Kepatuhan (SKK); (SKK);
4. Membuka saluran apabila terjadi Whistleblowing 4. Opening channels in the event of Whistleblowing
yang bertujuan untuk menyediakan sistem which aims to provide a management system
pengelolaan pelaporan pelanggaran melalui for reporting violations through various media
berbagai media yang disediakan bagi pihak- provided for parties in need, so that this system
pihak yang membutuhkan, sehingga sistem ini can function as a medium that supports effective
dapat berfungsi sebagai media yang mendukung resolution of violations, without harming the Bank’s
penyelesaian pelanggaran secara efektif, tanpa reputation to external parties, from the other side it
merugikan reputasi Bank ke pihak eksternal, will also be able to build a culture of openness in
dari sisi lainnya juga akan mampu membangun the organization;
budaya keterbukaan dalam organisasi;
5. Memiliki pedoman tata kelola yang telah 5. Having a governance guideline that has been
disempurnakan sesuai dengan peraturan yang refined in accordance with applicable regulations.
berlaku.
DASAR PENERAPAN TATA KELOLA PERUSAHAAN CORPORATE GOVERNANCE BASIC REFERENCES
[GRI 2-27] [GRI 2-27]
Dalam menyusun Pedoman tata kelola perusahaan, In developing the corporate governance guidelines,
Perseroan mengacu pada peraturan dan ketentuan the company refers to the following regulations and
yang berlaku, antara lain: stipulations:
1. Undang-Undang No. 40 Tahun 2007 tentang 1. Law No. 40 of 2007 concerning Limited Liability
Perseroan Terbatas. Companies.
2. Undang-Undang No. 8 Tahun 1995 tentang Pasar 2. Law No. 8 of 1995 concerning Capital Market.
Modal.
3. Peraturan Otoritas Jasa Keuangan (POJK) No. 21/ 3. Financial Services Authority Regulation (POJK)
POJK.04/2015 tanggal 16 November 2015 tentang No. 21/POJK.04/2015 dated 16 November
Penerapan Pedoman Tata Kelola Perusahaan 2015 concerning the Implementation of Public
Terbuka, dan Surat Edaran Otoritas Jasa Company Governance Guidelines, and Financial
Keuangan (SEOJK) No. 32/SEOJK.04/2015 tanggal Services Authority (SEOJK) Circular Letter No.
17 November 2015 tentang Pedoman Tata Kelola 32/SEOJK.04/2015 dated 17 November 2015
Perusahaan Terbuka. concerning Public Company Governance
Guidelines.
4. POJK No. 15/POJK.04/2020 tentang Rencana 4. POJK No. 15/POJK.04/2020 concerning the Plan
dan Penyelenggaraan Rapat Umum Pemegang and Implementation of the General Meeting of
Saham Perusahaan Terbuka. Shareholders of Public Companies.
5. POJK No. 16/POJK.04/2020 tentang Pelaksanaan 5. POJK No. 16/POJK.04/2020 concerning the
Rapat Umum Pemegang Saham Perusahaan Implementation of Electronic General Meeting of
Terbuka Secara Elektronik. Shareholders of Public Companies.
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6. POJK No. 33/POJK.04/2014 tanggal 8 Desember 6. POJK No. 33/POJK.04/2014 dated 8 December
2014 tentang Direksi dan Dewan Komisaris Emiten 2014 on the Board of Directors and Board of
atau Perusahaan Publik. Commissioners of Issuers or Public Companies.
7. POJK No. 55/POJK.04/2015 tanggal 29 Desember 7. POJK No. 55/POJK.04/2015 dated 29 December
2015 tentang Pembentukan dan Pedoman 2015 concerning the Establishment and Work
Pelaksanaan Kerja Komite Audit. Guidelines of the Audit Committee.
8. POJK No. 17 Tahun 2023 tentang Penerapan Tata 8. POJK No. 17 of 2023 on the Implementation of
Kelola bagi Bank Umum Governance for Commercial Banks.
9. POJK No. 56/POJK.04/2015 tanggal 29 Desember 9. POJK No. 56/POJK.04/2015 dated 29 December
2015 tentang Pembentukan dan Pedoman 2015 concerning the Establishment and Guidelines
Penyusunan Piagam Unit Audit Internal. for the Preparation of the Internal Audit Unit
Charter.
10. POJK No. 35/POJK.04/2014 tanggal 8 Desember 10. POJK No. 35/POJK.04/2014 dated 8 December
2014 tentang Sekretaris Perusahaan Emiten atau 2014 concerning Corporate Secretary of Issuers or
Perusahaan Publik. Public Companies.
11. POJK No. 34/POJK.04/2014 tanggal 8 Desember 11. POJK No. 34/POJK.04/2014 dated 8 December
2014 tentang Komite Nominasi dan Remunerasi 2014 on the Nomination and Remuneration
Emiten atau Perusahaan Publik. Committee of Issuers or Public Companies.
12. POJK No. 37/POJK.03/2019 Tentang Transparansi 12. POJK No. 37/POJK.03/2019 on Transparency and
dan Publikasi Laporan Bank. Publication of Bank Statements.
13. SEOJK No. 13/SEOJK.03/2017 tanggal 17 Maret 13. SEOJK No. 13/SEOJK.03/2017 dated 17 March
2017 tentang Penerapan Tata Kelola bagi Bank 2017 on the Implementation of Governance for
Umum. Commercial Banks.
14. SEOJK No. 9/SEOJK.03/2020 Tentang 14. SEOJK No. 9/SEOJK.03/2020 concerning
Transparansi dan Publikasi Laporan Bank Umum Transparency and Publication of Conventional
Konvensional. Commercial Bank Reports.
15. SEOJK No. 16/SEOJK.04/2021 tanggal 29 Juni 2021 15. SEOJK No. 16/SEOJK.04/2021 dated 29 June 2021
tentang Bentuk dan Isi Laporan Tahunan Emiten concerning the Form and Content of the Annual
atau Perusahaan Publik. Report of Issuers or Public Companies.
16. Surat Keputusan Direksi PT Bursa Efek Indonesia 16. Decree of the Board of Directors of PT Bursa Efek
No.: Kep-00066/BEI/09-2022 tanggal 01 Oktober Indonesia No. Kep-00066/IDX/09-2022 dated 01
2022 perihal Perubahan Peraturan No. I-E Tentang October 2022 on Amendments to Regulation No.
Kewajiban Penyampaian Informasi. I-E concerning Obligation to Submit Information.
17. Anggaran Dasar Bank dan Keputusan RUPS. 17. Articles of Association of the Bank and Resolution
of GMS.
18. Keputusan Dewan Komisaris dan/atau Direksi. 18. Decision of the Board of Commissioners and/or
Board of Directors.
19. Peraturan internal Bank (Kode Etik). 19. Internal Bank regulations (Code of Ethics).
PRINSIP-PRINSIP TATA KELOLA PERUSAHAAN CORPORATE GOVERNANCE PRINCIPLES
Untuk mewujudkan penerapan Tata Kelola yang To manifest the implementation of good governance,
baik, Bank berpegang pada prinsip-prinsip dasar the Bank adheres to the basic principles of GCG in line
GCG sesuai Pedoman Umum Governansi Korporat with the Indonesia Corporate Governance General
Indonesia (PUG-KI) 2021 yang telah diperbarui oleh Guidelines (PUG-KI) 2021 that have been updated by
Komite Nasional Kebijakan Governansi (KNKG), yaitu the Governance Policy National Committee (KNKG),
Perilaku Beretika, Akuntabilitas, Transparansi, dan namely Ethical Conduct, Accountability, Transparency,
Keberlanjutan. and Sustainability.
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Prinsip-prinsip GCG Penjelasan
GCG Principles Explanation
Perilaku Beretika Dalam melaksanakan kegiatannya, Bank senantiasa mengedepankan kejujuran, memperlakukan
Ethical Conduct semua pihak dengan hormat (respect), memenuhi komitmen, membangun serta menjaga nilai-
nilai moral dan kepercayaan secara konsisten. Korporasi memperhatikan kepentingan pemegang
saham dan pemangku kepentingan lainnya berdasarkan asas kewajaran dan kesetaraan
(fairness) dan dikelola secara independen sehingga masing-masing organ perusahaan tidak
saling mendominasi dan tidak dapat diintervensi oleh pihak lain.
In carrying out its activities, the Bank always prioritizes honesty, treats all parties with respect, fulfills
commitments, builds and maintains moral values and beliefs consistently. The company pays
attention to the interests of shareholders and other stakeholders based on the principles of fairness
and is managed independently so that each organ of the company does not dominate each other
and cannot be intervened by other parties.
Akuntabilitas Bank mempertanggungjawabkan kinerjanya secara transparan dan wajar. Untuk itu Korporasi
Accountability harus dikelola secara benar, terukur dan sesuai dengan kepentingan korporat dengan tetap
memperhitungkan kepentingan pemegang saham dan pemangku kepentingan. Akuntabilitas
merupakan prasyarat yang diperlukan untuk mencapai kinerja yang berkelanjutan.
The Bank accounts for its performance transparently and reasonably. As such, the company must
be managed correctly, measurably and in accordance with company interests while taking into
account the interests of shareholders and stakeholders. Accountability is a necessary prerequisite
for achieving sustainable performance.
Transparansi Untuk menjaga obyektivitas dalam menjalankan bisnis, Bank menyediakan informasi yang
Transparency material dan relevan dengan cara yang mudah diakses dan dipahami oleh pemangku kepentingan.
Bank mengambil inisiatif untuk mengungkapkan tidak hanya masalah yang disyaratkan oleh
peraturan perundang-undangan, tetapi juga hal yang penting untuk pengambilan keputusan oleh
pemegang saham, kreditur dan pemangku kepentingan lainnya.
To maintain objectivity in conducting business, the Bank provides material and relevant information
in a way that is easily accessible and understood by stakeholders. The Bank takes the initiative
to disclose not only issues required by laws and regulations, but also those that are important for
decision-making by shareholders, creditors and other stakeholders.
Keberlanjutan Bank mematuhi peraturan perundang-undangan serta berkomitmen melaksanakan tanggung
Sustainability jawab terhadap masyarakat dan lingkungan agar berkontribusi pada pembangunan berkelanjutan
melalui kerjasama dengan semua pemangku kepentingan terkait untuk meningkatkan kehidupan
mereka dengan cara yang selaras dengan kepentingan bisnis dan agenda pembangunan
berkelanjutan.
The Bank complies with laws and regulations and is committed to carrying out its responsibility
towards society and the environment in order to contribute to sustainable development through
cooperation with all relevant stakeholders to improve community lives in a way that is in line with
business interests and the sustainable development agenda.
KERANGKA TATA KELOLA PERUSAHAAN CORPORATE GOVERNANCE FRAMEWORK
Perseroan memiliki kerangka penerapan tata kelola The Company has a governance implementation
yang secara umum dapat dibagi menjadi 3 (tiga) framework which in general can be divided into 3
bagian, yaitu: (three) elements:
1. Governance Structure, struktur tata kelola yang 1. Governance Structure, a governance structure
terdiri dari organ utama dan organ pendukung. consisting of main organs and supporting organs.
2. Governance Process, proses dan mekanisme kerja 2. Governance Process, the process and working
dari organ tata kelola. mechanism of the governance organ.
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3. Governance Outcome, hasil dari penerapan tata 3. Governance Outcome, the result of implementing
kelola dengan tujuan akhir mencapai “good governance with the ultimate goal of achieving
corporate citizen”. “good corporate citizen”.
Penerapan tata kelola memberikan manfaat bagi The implementation of governance provides benefits
Perseroan untuk: for the Company to:
1. Meningkatkan kinerja Perseroan, 1. Improve the Company’s performance,
2. Melindungi kepentingan Pemangku Kepentingan, 2. Protect the interests of Stakeholders, and
serta
3. Meningkatkan kepatuhan terhadap peraturan 3. Improve compliance with prevailing laws and
perundang-undangan yang berlaku. regulations.
Hal ini selaras dengan usaha Perseroan dalam This aligns with the Company’s efforts to expand its
memperluas pelayanannya kepada Pemangku services to Stakeholders, thereby providing customers
Kepentingan, sehingga dapat melayani nasabah with superior and beneficial products and services
dengan produk dan jasa yang unggul dan bermanfaat as well as operating across Indonesia, forging
serta wilayah operasi di seluruh Indonesia, menjalin partnerships with synergistic partners, and enhancing
kerja sama dengan mitra sinergis serta peningkatan benefits for the community by introducing banking
manfaat bagi masyarakat dengan mengenalkan products to improve financial literacy.
produk perbankan sehingga dapat meningkatkan
literasi keuangan.
STRUKTUR TATA KELOLA PERUSAHAAN [GRI 2-9] CORPORATE GOVERNANCE STRUCTURE [GRI 2-9]
Struktur tata kelola Bank mengacu kepada Anggaran The Bank’s governance structure refers to the
Dasar Perseroan serta perundang-undangan yang Company’s Articles of Association and prevailing laws
berlaku yang terdiri dari: and regulations consisting of:
1. Organ Perseroan berupa Rapat Umum Pemegang 1. The Company’s organs are the General Meeting
Saham, Dewan Komisaris dan Direksi sesuai of Shareholders, the Board of Commissioners
dengan peraturan dan perundang-undangan yang and the Board of Directors in accordance with the
berlaku. prevailing laws and regulations.
2. Penerapan pembentukan perangkat organisasi 2. The implementation of establishing adequate
yang memadai agar penerapan tata kelola dapat organizational instruments to ensure good
berjalan dengan baik, yaitu melalui pembentukan governance can operate effectively, through the
komite-komite di bawah ruang lingkup Dewan formation of committees under the scope of the
Komisaris maupun Direksi sehingga dapat Board of Commissioners and Directors, thereby
mendukung setiap pengambilan keputusan, baik supporting every decision-making process, both
dalam koridor pengawasan maupun eksekusi within the corridors of supervision and operational
operasional. execution.
3. Sinergisnya unit-unit pengawasan internal yang 3. Synergy of independent internal control units such
independen seperti SKAI, SKMR, SKK. as SKAI, SKMR, SKK.
4. Membuka saluran apabila terjadi Whistleblowing 4. Opening channels for whistleblowing, aimed
yang bertujuan untuk menyediakan sistem at providing a violation reporting management
pengelolaan pelaporan pelanggaran melalui system through various media made available
berbagai media yang disediakan bagi pihak- for those in need, ensuring that this system can
pihak yang membutuhkan, sehingga sistem ini function as a medium that supports the resolution
dapat berfungsi sebagai media yang mendukung of violations effectively, without damaging the
penyelesaian pelanggaran secara efektif, tanpa Bank’s reputation to external parties. On the
merugikan reputasi Bank ke pihak eksternal, other hand, it will also be able to build a culture of
dari sisi lainnya juga akan mampu membangun openness within the organization.
budaya keterbukaan dalam organisasi.
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5. Pedoman tata kelola yang telah disempurnakan 5. A governance guideline that has been refined in
sesuai dengan peraturan yang berlaku. accordance with applicable regulations.
LAPORAN PENILAIAN SENDIRI CORPORATE GOVERNANCE IMPLEMENTATION
(SELF-ASSESSMENT) PENERAPAN TATA KELOLA SELF-ASSESSMENT REPORT
Mengacu pada SEOJK No. 13/SEOJK.03/2017 tentang Referring to SEOJK No. 13/SEOJK.03/2017 on the
Penerapan Tata Kelola Bagi Bank Umum, Bank Implementation of Governance for Commercial Banks,
senantiasa melakukan penilaian sendiri penerapan the Bank consistently conducts a self-assessment of
tata kelola setiap semester terhadap 11 (sebelas) governance implementation every semester against
faktor penilaian penerapan Tata Kelola, yaitu: 11 (eleven) governance implementation assessment
factors:
1. Pelaksanaan tugas dan tanggung jawab Direksi; 1. Implementation of duties and responsibilities of
the Board of Directors;
2. Pelaksanaan tugas dan tanggung jawab Dewan 2. Implementation of duties and responsibilities of
Komisaris; the Board of Commissioners;
3. Kelengkapan dan pelaksanaan tugas komite; 3. Completeness and implementation of committee
duties;
4. Penanganan benturan kepentingan; 4. Conflict of interest handling;
5. Penerapan fungsi kepatuhan; 5. Application of compliance functions;
6. Penerapan fungsi audit intern; 6. Implementation of the internal audit function;
7. Penerapan fungsi audit ekstern; 7. Implementation of external audit functions;
8. Penerapan manajemen risiko termasuk sistem 8. Implementation of risk management including
pengendalian intern; internal control system;
9. Penyediaan dana kepada pihak terkait dan 9. Provision of funds to related parties and provision
penyediaan dana besar; of large funds;
10. Transparansi kondisi keuangan dan non keuangan 10. Transparency of the Bank’s financial and non-
Bank, laporan pelaksanaan tata kelola dan financial condition, reports on the implementation
pelaporan internal; dan of governance and internal reporting; and
11. Rencana strategis Bank. 11. The Bank’s strategic plan.
Berikut hasil penilaian sendiri penerapan tata kelola di The following are self-assessment results of the
Perseroan pada Desember 2023: Company’s governance implementation in December
2023:
Hasil Penilaian Sendiri (Self-Assessment) Penerapan Tata Kelola
Result of Self-Assessment Implementation of Corporate governance
Peringkat Definisi Peringkat
Rating Rank Definitions
Mencerminkan manajemen Bank telah melakukan penerapan Tata Kelola yang secara umum
baik. Hal ini tercermin dari pemenuhan yang memadai atas prinsip Tata Kelola. Dalam hal
terdapat kelemahan penerapan prinsip Tata Kelola, secara umum kelemahan tersebut kurang
signifikan dan dapat diselesaikan dengan tindakan normal oleh manajemen Bank.
Individu
Individual 2
Reflecting that the Bank’s management has generally implemented appropriate Good
Governance. This is evident from the adequate fulfillment of Governance principles. In cases
where there are weaknesses in the implementation of Governance principles, generally,
these weaknesses are not significant and can be resolved with normal actions by the Bank’s
management.
Konsolidasi
– –
Consolidated
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Analisis
Analysis
Kesimpulan atas penilaian penerapan Tata Kelola Bank Conclusions on the assessment of the implementation
dengan mempertimbangkan faktor penilaian penerapan of Bank Governance by considering factors for assessing
Tata Kelola secara komprehensif dan terstruktur, mencakup the Good Corporate Governance implementation in a
baik struktur tata kelola, proses tata kelola, dan hasil comprehensive and structured manner, covering both
penerapan tata kelola, sebagai berikut: governance structure, governance process, and governance
outcome, as follows:
a. Struktur Tata Kelola a. Governance Structure
• Faktor positif aspek governance structure Bank adalah: • Positive factors for the Bank’s Governance Structure are:
1. Hal-hal yang berkaitan dengan infrastruktur Tata 1. Matters related to the Bank Governance infrastructure
Kelola Bank telah dibentuk dan tertata dengan baik have been established and are well organized in
sesuai ketentuan yang berlaku, seperti: accordance with the applicable regulations, such as:
• Komposisi, jumlah dan kompetensi Komisaris, • Composition, number, and competence of
Direksi dan anggota-anggota Komite (Audit, Commissioners, Directors, and Committee
Pemantau Risiko, Remunerasi dan Nominasi) members (Audit, Risk Monitoring, Remuneration
sesuai dengan ukuran dan kompleksitas bisnis and Nomination) in accordance with the size and
Bank. complexity of the Bank’s business.
• Fungsi SKAI, SKK dan SKMR yang dibentuk telah • The functions of the SKAI, SKK and SKMR that
terpisah dan independen. have been formed have been separately and
independently.
• Satuan kerja yang terlibat dalam Sistem • Work units involved in the Internal Control System
Pengendalian Intern seperti, SKAI, SKK dan SKMR such as SKAI, SKK and SKMR have worked and
telah bekerja dan bersinergi secara aktif dalam synergized actively in maintaining the Bank’s
menjaga aktivitas bisnis dan operasional Bank business and operational activities hence not to
agar tidak menyimpang dari ketentuan yang deviate from the applicable regulations.
berlaku.
• Penggantian dan pengangkatan anggota Dewan • Replacement and appointment of members
Komisaris dan Direksi dilakukan sesuai ketentuan of the Board of Commissioners and the Board
yang berlaku. of Directors are carried out in accordance with
applicable regulations.
2. Pengawasan yang dilakukan oleh Dewan Komisaris 2. Supervision by the Board of Commissioners are
dijalankan secara independen dan tidak terdapat carried out independently and there is no intervention
intervensi dari Pemegang Saham. from the Shareholders.
3. Membentuk Komite Anti Penyuapan terdiri dari 3. Established an Anti-Bribery Committee consisting of
Human Resources Group, Risk Management Group, Human Resources Group, Risk Management Group,
Divisi Legal, Compliance & Special Unit Divisi dan Legal Division, Compliance & Special Unit Division
Departemen Anti-Fraud. and Anti-Fraud Department.
• Faktor negatif aspek governance structure Bank • The negative factors in the Bank’s Governance
adalah: Tidak ada, Bank senantiasa memenuhi struktur Structure are: None, the Bank always complies with the
dan infrastruktur tata kelola. governance structure and infrastructure.
Hasil Penilaian Sendiri (Self-Assessment) Penerapan Tata Kelola
Result of Self-Assessment Implementation of Corporate governance
b. Proses Tata Kelola b. Governance Process
• Faktor positif aspek governance process Bank adalah: • Positive factors for the Bank’s governance process are:
1. Peran, fungsi dan tugas, Dewan Komisaris, Direksi, 1. The roles, functions and duties of the Board of
Komite Audit, Komite Pemantau Risiko dan Komite Commissioners, the Board of Directors, the Audit
Remunerasi & Nominasi telah dilaksanakan sesuai Committee, the Risk Monitoring Committee, and
ketentuan, yaitu menyampaikan rekomendasi the Remuneration & Nomination Committee have
kepada Dewan Komisaris sesuai dengan bidang been implemented according to the provisions,
tugasnya masing-masing. namely submitting recommendations to the Board of
Commissioners in accordance with their respective
duty.
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Hasil Penilaian Sendiri (Self-Assessment) Penerapan Tata Kelola
Result of Self-Assessment Implementation of Corporate governance
2. Transparansi informasi keuangan kepada publik 2. Transparency of financial information to the public
disampaikan melalui website dan media massa is conveyed through the website and mass media
dengan materi yang memadai. Pengelolaan with adequate material. Customer complaint
pengaduan nasabah telah berjalan baik. management has been running well.
3. Telah mengimplementasikan ISO 37001:2016 3. Has implemented ISO 37001: 2016 concerning
tentang Sistem Manajemen Anti Penyuapan Anti-Bribery Management System and has been
dan telah diumumkan pada website Bank dan announced on the Bank’s website and OJK website
website OJK sebagai salah satu Bank Swasta yang as one of the Private Banks implementing ISO 37001:
mengimplementasikan ISO 37001:2016 2016
• Faktor negatif aspek governance process Bank adalah: • Negative factors in the Bank’s governance process
Diperlukan keakuratan pelaporan bulanan kepada are: The accuracy of monthly reporting to Regulators is
Regulator dengan meningkatkan proses dual control required by improving the dual control process (maker-
(maker-checker) dan melihat kembali sistem penilaian checker) and reviewing the performance appraisal
kinerja personil yang terlibat dalam pembuatan system of personnel involved in reporting
pelaporan.
c. Hasil Penerapan Tata Kelola c. Corporate Governance Outcome
Faktor positif aspek governance outcome Bank adalah: Positive factors in the Bank’s governance outcome are:
1. Dewan Komisaris telah menyampaikan laporan 1. The Board of Commissioners has submitted a supervisory
pengawasan dengan materi yang memadai, dilengkapi report with adequate material complete with submission
dengan penyampaian beberapa permasalahan Bank of several Bank problems and their solutions thereof.
serta solusi pemecahannya.
2. Dewan Komisaris dan Direksi telah mengungkapkan 2. The Board of Commissioners and Directors have
kepemilikan saham, hubungan keluarga, remunerasi disclosed share ownership, family relationships,
dan fasilitas yang diterima melalui Laporan Pelaksanaan remuneration and facilities received through the
Tata Kelola. Corporate Governance Implementation Report.
3. Komitmen Bank untuk memperkuat permodalan, baik 3. The Bank’s commitment to strengthen capital, both
melalui setoran dari Pemegang Saham dan pendanaan through deposits from Shareholders and other fundings.
lainnya.
4. Komitmen Bank untuk mematuhi ketentuan yang 4. The Bank’s commitment to comply with applicable
berlaku serta merespon secara cepat atas temuan regulations and respond quickly to internal and external
audit intern maupun ekstern dan pemeriksaan OJK. audit findings and OJK examinations.
5. Komitmen Bank terhadap Anti Penyuapan. 5. The Bank’s Commitment to Anti-Bribery.
Faktor negatif aspek governance outcome Bank adalah: Negative factors in the Bank’s governance outcome are:
1. Perbaikan rentabilitas pada Semester II tahun 1. The Bank’s profitability improvement in Semester II
2023 perlu dijaga agar berkesinambungan dengan of 2021 needs to be maintained on an ongoing basis,
melakukan evaluasi kinerja Kantor Cabang yang ada especially in evaluating existing Branch Offices as well as
serta menggali potensi bisnis lainnya. exploring other potential business.
2. Seiring dengan pertumbuhan bisnisnya, Bank perlu 2. Along with business growth, Bank needs to pay attention
memberikan perhatian untuk pengelolaan Risiko to the management of Operational Risk and Credit
Operasional serta Risiko Kredit. Hal ini terkait dengan Risk. This is related to the addition of new products and
penambahan produk dan aktivitas baru serta potensi activities as well as the potential for an increase in NPL in
peningkatan NPL dalam kondisi pandemi COVID-19. Covid-19 situation.
Berdasarkan hasil self-assessment yang dijalankan maka Based on the results of self-assessment, the implementation
pelaksanaan Tata Kelola yang mencakup ketiga aspek of Governance, which includes the three aspects mentioned
diatas, secara umum telah dijalankan Bank dengan Baik. above, has generally been carried out properly by the Bank.
148 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
Rapat Umum Pemegang Saham (RUPS) merupakan The General Meeting of Shareholders (GMS) is
salah satu organ perusahaan yang mempunyai a company organ that has authority that is not
wewenang yang tidak diberikan kepada Direksi dan delegated to the Board of Directors and the Board
Dewan Komisaris sebagaimana diatur dalam Undang- of Commissioners as stipulated in Law No. 40
Undang No. 40 Tahun 2007 tentang Perseroan of 2007 concerning Limited Liability Companies.
Terbatas. Adapun RUPS yang diselenggarakan oleh In implementing the GMS, the Bank refers to the
Bank mengacu kepada peraturan dan perundang- prevailing laws and regulations, as follows:
undangan yang berlaku, yaitu:
1. UU No. 40 Tahun 2007 tentang Perseroan Terbatas. 1. Law No. 40 of 2007 on Limited Liability Companies.
2. POJK No. 15/POJK.04/2020 tentang Rencana 2. POJK No. 15/POJK.04/2020 on self-assessment
dan Penyelenggaraan Rapat Umum Pemegang the Plan and Implementation of General Meeting
Saham Perusahaan Terbuka. of Shareholders of Public Companies.
3. POJK No. 16/POJK.04/2020 tentang Pelaksanaan 3. POJK No. 16/POJK.04/2020 on Electronic
Rapat Umum Pemegang Saham Perusahaan Implementation of the General Meeting of
Terbuka Secara Elektronik. Shareholders of Public Companies.
4. Anggaran Dasar Bank. 4. Bank’s Articles of Association.
Hak dan Wewenang Pemegang Saham dalam RUPS Rights and Authorities of Shareholders in the GMS
Pemegang saham memiliki hak atas saham Shareholders have the rights to the shares they own;
yang dimilikinya sehingga hak pemegang saham hence its’ rights are protected and can be exercised
terlindungi dan dapat dilaksanakan sesuai dengan in accordance with laws and regulations and the
peraturan perundang-undangan dan Anggaran Dasar Company’s Articles of Association.
Perseroan.
Dalam RUPS, pemegang saham berhak menghadiri, In the GMS, shareholders have the right to attend,
mengemukakan pendapat dan mengeluarkan hak express opinions and take voting rights in the decision-
suara dalam proses pengambilan keputusan serta making process and obtain information related
memperoleh keterangan yang berkaitan dengan to the agenda of the Meeting. In the GMS forum,
mata acara Rapat. Dalam forum RUPS, pemegang shareholders are entitled to obtain information related
saham berhak memperoleh keterangan yang to the Company from the Board of Directors and/or
berkaitan dengan Perseroan dari Direksi dan/atau the Board of Commissioners, as long as it is related to
Dewan Komisaris, sepanjang berhubungan dengan the agenda of the meeting and does not conflict with
mata acara rapat dan tidak bertentangan dengan the interests of the Company.
kepentingan Perseroan.
Wewenang yang dimiliki pemegang saham melalui The shareholders are entitled to hold the following
RUPS diantaranya meliputi: authority through the GMS:
1. Menyetujui perubahan Anggaran Dasar Perseroan; 1. Approve the changes to the Company’s Articles of
Association;
2. Mengangkat dan memberhentikan anggota 2. Appoint and dismiss members of the Board of
Direksi, anggota Dewan Komisaris dan anggota Directors, members of the Board of Commissioners
Dewan Pengawas Syariah; and members of the Sharia Supervisory Board;
3. Penunjukan kantor akuntan publik yang akan 3. Appointment of a public accountant firm that will
memberikan jasa audit atas informasi keuangan provide audit services on annual historical financial
historis tahunan; information;
4. Hal-hal lain yang diajukan secara sebagaimana 4. Other matters that properly submitted in the GMS
mestinya dalam RUPS sesuai dengan ketentuan in accordance with the provisions of the Articles of
Anggaran Dasar. Association.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 149
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TATA KELOLA PERUSAHAAN
Corporate Governance
RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
Hak pemegang saham dalam RUPS antara lain: The rights of shareholders in the GMS include:
1. Hak untuk menghadiri dan memberikan suara 1. The right to attend and vote at the GMS;
pada RUPS;
2. Pada saat pelaksanaan RUPS, pemegang saham 2. During the GMS, shareholders are entitled to
berhak memperoleh informasi mata acara rapat obtain information on the agenda of the meeting
dan bahan terkait mata acara rapat sepanjang and materials related to the agenda of the meeting
tidak bertentangan dengan kepentingan as long as it does not conflict with the interests of
Perseroan; the Company;
3. Menerima bagian dari keuntungan Perseroan 3. Receive a portion of the Company’s profits intended
yang diperuntukkan bagi pemegang saham dalam for shareholders in the form of dividends and
bentuk deviden dan pembagian keuntungan other profit distributions in accordance with the
lainnya sesuai ketentuan peraturan-perundangan provisions of the prevailing laws and regulations.
yang berlaku.
Mekanisme Penyelenggaraan RUPS Mechanisms of GMS
Mekanisme penyelenggaraan RUPST dan RUPSLB The mechanism for organizing the AGMS and EGMS
Perseroan pada tahun 2023 telah dilaksanakan of the Company in 2023 has been implemented
sesuai dengan Anggaran Dasar dan POJK in accordance with the Articles of Association
No. 15/POJK.04/2020 tentang Rencana dan and POJK No. 15/ POJK.04/2020 concerning the
Penyelenggaraan Rapat Umum Pemegang Saham Plan and Implementation of the General Meeting
Perusahaan Terbuka, dan POJK No. 16/POJK.04/2020 of Shareholders of Public Companies, and POJK
tentang Pelaksanaan Rapat Umum Pemegang No. 16/POJK.04/2020 concerning the Electronic
Saham Perusahaan Terbuka Secara Elektronik. Implementation of the General Meeting of
Shareholders of Public Companies.
RUPST dan RUPSLB Perseroan pada tahun 2023 juga The Company’s AGMS and EGMS in 2023 were also
diselenggarakan secara elektronik, sesuai dengan held electronically, in accordance with the provisions
ketentuan dalam POJK No. 16/POJK.04/2020 tentang in the POJK No. 16/POJK.04/2020 concerning the
Pelaksanaan Rapat Umum Pemegang Saham electronic Implementation of the General Meeting of
Perusahaan Terbuka secara Elektronik. Shareholders of Public Companies.
Penunjukan Pihak Independen Dalam Perhitungan Appointment of Independent Parties in the
Suara RUPS Calculation of GMS Votes
Sesuai dengan SEOJK No. 16/SEOJK.04/2021 Pursuant to SEOJK No. 16/SEOJK.04/2021 concerning
Tentang Bentuk dan Isi Laporan Tahunan Emiten the Format and Content of the Annual Report of
atau Perusahaan Publik, Perseroan melakukan Issuers or Public Companies, the Company appoints
penunjukan pihak independen yakni Biro Administrasi an independent party, namely the Share Registrar, PT
Efek, PT Sharestar Indonesia dalam melakukan Sharestar Indonesia in counting/validating votes at
penghitungan/validasi suara pada RUPS. the GMS.
Penerbitan Informasi RUPS Issuance of GMS Information
Perseroan mempublikasikan pemberitahuan, The Company publishes notices, invitations,
panggilan, ringkasan risalah RUPS pada surat summaries of GMS minutes in newspapers, website
kabar, situs web PT Bursa Efek Indonesia, situs web of PT Bursa Efek Indonesia, website of PT Kustodian
PT Kustodian Sentral Efek Indonesia dan situs web Sentral Efek Indonesia and website of the Company.
Perseroan.
150 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
RAPAT UMUM PEMEGANG SAHAM 2023 General Meeting of Shareholders
2023
Direksi Perseroan dengan ini mengumumkan bahwa The Board of Directors of PT Bank nationalnobu
Perseroan telah menyealenggarakan Rapat Umum Tbk (the “Company”) hereby announce that
Pemegang Saham Tahunan (RUPST) dan Rapat the Company has convened The Annual General
Umum Pemegang Saham Luar Biasa (RUPSLB) Shareholders’ Meeting (AGM) and The Extraordinary
PT Bank Nationalnobu Tbk (“Perseroan”) secara General Shareholders Meeting (EGM) hereinafter
elektronik, untuk selanjutnya keduanya disebut referred to as “the Meeting”, on 15 June 2023 at 14:22
“Rapat”, di Kantor Pusat Perseroan, Plaza Semanggi Indonesia Western Standard Time at Aryaduta Hotel
Lantai 9, Jl. Jend. Sudirman Kav. 50 Jakarta 12930, Jakarta with the summary of minutes as follows:
tanggal 15 Juni 2023 pada Pukul 14:22 WIB, dengan
ringkasan risalah sebagai berikut:
Ringkasan Risalah Rapat Umum Pemegang Summary of Minutes of the Annual General
Saham Tahunan Shareholders Meeting
A. Agenda Rapat A. Agenda of the Meeting
1. Persetujuan atas Laporan Tahunan dan 1. Approval for the Company’s Annual Report
Pengesahan Laporan Keuangan Tahunan and the ratification of The Company’s Annual
Perseroan untuk Tahun Buku 2022 termasuk Financial Statements for the financial year
Laporan Pengurusan Direksi dan Laporan ended on 31 December 2022, including the
Pengawasan Dewan Komisaris untuk Tahun Management Report of the Board of Directors
Buku 2022. and Supervisory Report of the Board of
Commissioners for the financial year ended on
31 December 2022.
2. Penetapan Penggunaan Laba Rugi Perseroan 2. Approval for allocation of the Company’s net
untuk Tahun Buku yang berakhir pada tanggal profit/loss for the financial year ended on 31
31 Desember 2022. December 2022.
3. Penunjukan Akuntan Publik yang akan 3. Appointment of the Company’s Public
memberikan jasa audit atas informasi Accountant Office to perform audit of the
keuangan historis untuk tahun buku yang financial report of The Company for the
berakhir pada tanggal 31 Desember 2023 financial year ended on 31 December 2023 and
dan penetapan jumlah honorarium Akuntan the determination of the honorarium of the
Publik yang akan ditunjuk tersebut berikut appointed Public Accountant along with other
persyaratan lainnya sehubungan dengan requirements relating to the appointment.
penunjukan tersebut.
4. Perubahan dan/atau penegasan susunan 4. Changes of the Company’s Public Accountant
anggota Dewan Komisaris dan Direksi Office to perform audit of the financial report
Perseroan termasuk Komisaris Independen of The Company for the financial year ended
Perseroan serta penentuan gaji atau on 31 December 2023 and the determination
honorarium atau renumerasi lainnya bagi of the honorarium of the appointed Public
anggota Dewan Komisaris dan Direksi. Accountant along with other requirements
relating to the appointment.
5. Laporan realisasi penggunaan dana hasil 5. Report on the realization of the use of proceeds
Penawaran Umum Terbatas II Perseroan. from the Company’s Limited Public Offering.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 151
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TATA KELOLA PERUSAHAAN
Corporate Governance
RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
B. Manajemen Perseroan yang Hadir secara fisik B. The Company’s Management that presents in
dan daring (online) the Meeting Physically and online
Dewan Komisaris Board of Commissioners
• Komisaris Utama/Independen: Prof. Adrianus • President Commissioner/Independent: Prof.
Mooy MSc. PhD (daring) Dr. Adrianus Mooy (online)
• Komisaris Independen: Dewi Pandamamsari • Independent Commissioner: Dewi Pandamsari
(fisik) (physically)
• Komisaris Independen: Tjindrasa Ng (fisik) • Independent Commissioner: Tjiandrasa Ng
(physically)
Direksi Board of Directors
• Direktur Utama: Suhaimin Djohan (fisik) • President Director: Suhaimin Djohan (physically)
• Direktur: Januar Angkawidjaja (fisik) • Director: Januar Angkawidjaja (physically)
• Direktur: Hendra Kurniawan (fisik) • Director: Hendra Kurniawan (physically)
• Direktur: Andrian Meirawan Saputra (daring) • Director: Andrian Meirawan Saputra (online)
C. Kehadiran Pemegang Saham C. The Quorum
Rapat telah dihadiri oleh pemegang saham The Annual General Shareholders Meeting has
dan/atau kuasanya baik yang hadir secara fisik been attended by the shareholders or their proxies
maupun secara daring yang mewakili sejumlah physically or online which represent 3,770,847,268
3.770.847.268 (tiga miliar tujuh ratus tujuh puluh (three billion seven hundred and seventy million
juta delapan ratus empat puluh tujuh ribu dua eight hundred and fourty seven thousand two
ratus enam puluh delapan) saham atau setara hundred and sixty eight) shares or equal to 71.373%
dengan 71,373% (tujuh puluh satu koma tiga (seventy one point three seven three percent)
tujuh tiga persen) dari 5.283.278.775 (lima miliar from 5,283,278,775 (five billion two hundred and
dua ratus delapan puluh tiga juta dua ratus tujuh eighty three million two hundred and seventy
puluh delapan ribu tujuh ratus tujuh puluh lima) eight thousand seven hundred and seventy five)
saham yang merupakan seluruh saham yang telah shares which are the whole shares issued by The
dikeluarkan Perseroan sampai dengan tanggal Company until May 23rd, 2023 with legal voting
23 Mei 2023 dan yang memiliki hak suara yang rights, therefore as the required quorum is fulfilled,
sah, dengan demikian persyaratan kuorum untuk which is at least 1/2 (one-half) of all shares issued
pengambilan keputusan telah terpenuhi, yaitu lebih by The Company, therefore the the Meeting is valid
dari 1/2 (satu per dua) bagian dari jumlah seluruh to be conducted and make valid resolutions.
saham yang telah dikeluarkan oleh Perseroan,
sehingga Rapat adalah sah dan berhak untuk
mengambil keputusan yang sah dan mengikat.
D. Kesempatan Mengajukan Pertanyaan & Jumlah D. The Opportunity to Ask Questions & Number of
Pertanyaan Questions
• Para pemegang saham dan/atau kuasanya • Shareholders and/or their proxies have been
telah diberikan kesempatan untuk mengajukan given the opportunity to ask questions and/
pertanyaan dan/atau memberikan pendapat or provide opinions regarding the Meeting
terkait agenda Rapat. agenda.
• Pertanyaan disampaikan secara tertulis • Questions are submitted in writing through the
melalui aplikasi eASY KSEI. KSEI eASY application.
• Jumlah pemegang saham dan/atau kuasanya • The number of shareholders and/or their
yang mengajukan pertanyaan dan/atau proxies asking questions and/or giving opinions
memberikan pendapat adalah 1 (satu) is 1 (one) shareholder.
pemegang saham.
152 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
E. Mekanisme Pengambilan Keputusan E. Resolutions Mechanism
Mekanisme pengambilan keputusan dalam Rapat The decision-making mechanism in the Meeting
dilakukan dengan cara pemungutan suara melalui is carried out by voting through the e-voting facility
fasilitas e-voting yang disediakan pada aplikasi provided on the KSEI eASY application.
eASY KSEI.
F. Pihak Independen untuk melakukan F. Independent Parties to conduct quorum
penghitungan kuorum dan pemungutan suara counting and voting at the AGMS
keputusan RUPST
Kantor Notaris Lily harjati Soedewo SH MKn The Notary Office of Lily harjati Soedewo SH MKn
G. Proses Pengambilan dan Hasil Keputusan G. The Process and Results of the Annual General
Rapat Meefting of Shareholders
Proses Pengambilan Keputusan: The Process of Meeting Resolutions:
Atas Agenda Rapat tersebut di atas, proses The decision-making process of the above agenda
pengambilan keputusannya sebagai berikut: is as follows:
Setuju Tidak Setuju Abstain
Agenda
Affirmative Votes Disapproving Votes Abstain
3.770.847.268 saham atau 100% dari pemegang saham
yang hadir Nihil Nihil
Agenda – 1
3,770,847,268 shares or 100% of the votes Rights in the Nil Nil
Meeting
3.770.847.268 saham atau 100% dari pemegang saham
yang hadir Nihil Nihil
Agenda – 2
3,770,847,268 shares or 100% of the votes Rights in the Nil Nil
Meeting
3.770.706.068 saham atau 99,99% dari pemegang
saham yang hadir. Nihil
Agenda – 3 141.200/0,004%
3,770,706,068 shares or 99,99% of the votes Rights in the Nil
Meeting
3.766.566.268 saham atau 99,89% dari pemegang
saham yang hadir Nihil
Agenda – 4 4.281.000/0,11%
3,766,566,268 shares or 99,89% of the votes Rights in the Nil
Meeting
3.766.566.268 saham atau 99,89% dari pemegang
saham yang hadir Nihil
Agenda – 5 4.281.000/0,11%
3,766,566,268 shares or 99,89% of the votes Rights in the Nil
Meeting
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 153
Page 156
TATA KELOLA PERUSAHAAN
Corporate Governance
RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
Hasil Keputusan Rapat: Results of the Meeting:
Agenda 1 Agenda 1
1. Menyetujui Laporan Tahunan Perseroan mengenai 1. Approving the Company’s Annual Report on the state and
keadaan dan jalannya kegiatan usaha Perseroan, yang the course of business activities of the Company, which
antara lain memuat Laporan Keuangan Perseroan untuk contain the Company’s Financial Statements for the
tahun buku yang berakhir pada tanggal 31 Desember Fiscal Year which ended on December 31, 2022, including
2022, dimana di dalamnya termasuk Laporan Pengurusan the Management Report on Business Activities of the
Direksi atas Kegiatan Usaha Perseroan serta Laporan Company’s Board of Directors and Supervisory Report of
Tugas Pengawasan Dewan Komisaris untuk tahun buku the Board of Commissioners;
yang bersangkutan;
2. Mengesahkan Laporan Keuangan Tahunan Perseroan 2. Ratifying the Annual Financial Statements of the Company
untuk tahun buku yang berakhir pada tanggal 31 for the Fiscal Year which ended on December 31, 2022
Desember 2022 yang telah diaudit oleh Kantor Akuntan audited by the accounting firm Amir Abadi Jusuf, Aryanto,
Publik Amir Abadi Jusuf, Aryanto, Mawar & Rekan dengan Mawar & Partners with an unqualified opinion as stated
opini Wajar Tanpa Pengecualian sebagaimana ternyata in its report No: R00133/2.1030/AU.1/07/0501-1/1/III/2023
dari laporannya No: 00133/2.1030/AU.1/07/0501-1/1/ dated March 9th, 2023 which already includes Statements
III/2023 tertanggal 9 Maret 2022 dimana di dalamnya of Financial Position and Statement of Comprehensive
termasuk Laporan Posisi Keuangan dan Laporan Laba Income for the year which ended on December 31, 2022;
Rugi Komprehensif Perseroan untuk tahun buku yang and
berakhir pada tanggal 31 Desember 2022; dan
3. Memberikan pembebasan tanggung jawab sepenuhnya 3. Fully Released and Discharged to all members of the
kepada seluruh anggota Direksi dan Dewan Komisaris Board of Directors and Board of Commissioners the
Perseroan atas tindakan pengurusan dan pengawasan responsibility for actions taken on management and
yang telah dijalankannya untuk tahun buku yang berakhir supervision which have been executed for the Fiscal Year
pada tanggal 31 Desember 2022 (acquit et de charge), which ended on December 31, 2022 (acquit et de charge),
sepanjang tindakan-tindakan mereka tersebut tercermin as long as their actions are reflected in the Company’s
dalam Laporan Tahunan dan Laporan Keuangan Tahunan Annual Report and Annual Financial Report.
Perseroan.
Agenda 2 Agenda 2
Menyetujui bahwa Perseroan tidak membagikan dividen dan Approving that the Company does not distribute any
dari seluruh laba bersih Perseroan sebesar Rp103.845.408.163,- dividends and of the Net Income of the Company amounted
(seratus tiga miliar delapan ratus empat puluh lima juta empat to Rp103,845,408,163,00 (one hundred and three billion
ratus delapan ribu seratus enam puluh tiga rupiah), disisihkan eight hundred and fourty five million four hundred and eight
sebesar Rp5.000.000.000,- (lima miliar Rupiah) sebagai dana thousand one hundred and sixty-three rupiah), the Company is
cadangan dan sisanya akan dibukukan sebagai laba ditahan to set aside Rp5,000,000,000.00 (five billion rupiah) as a reserve
untuk memperkuat modal Perseroan. fund and the remaining amount will be recorded as retained
earnings to strengthen the Company’s Capital.
Agenda 3 Agenda 3
Mendelegasikan wewenang kepada Dewan Komisaris Delegating authority to the Board of Commissioners to appoint
Perseroan untuk menunjuk Kantor Akuntan Publik Independen the Independent Public Accountant to audit the Company’s
yang akan mengaudit Laporan Keuangan Perseroan untuk Financial Statements for the fiscal year ended 31 December
tahun buku yang berakhir pada tanggal 31 Desember 2023 2023 with the criteria that the Independent Public Accountant
dengan kriteria bahwa Kantor Akuntan Publik Independen appointed has been registered in the Financial Services
yang ditunjuk telah terdaftar di Otoritas Jasa Keuangan sesuai Authority according to regulations and has a good reputation;
ketentuan yang berlaku dan memiliki reputasi yang baik; dan and to determine the honorarium and other requirements
menetapkan honorarium serta persyaratan-persyaratan regarding to the appointment of the public accountant with
lain sehubungan dengan penunjukan Kantor Akuntan Publik regard to the recommendation of the Audit Committee.
tersebut dengan memperhatikan rekomendasi Komite Audit
Perseroan.
154 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
Agenda 4 Agenda 4
1. Menyetujui mengangkat kembali dan menetapkan 1. To approve, re-appoint and determine the member of the
susunan anggota Direksi, anggota Dewan Komisaris Board of Directors, Board of Commissioners and The
dan Komisaris Independen Perseroan dengan susunan Company’s Independent Commissioner with the following
sebagai berikut : composition:
• Dewan Komisaris • Board of Commissioners
- Komisaris Utama/Independen: Prof. Adrianus Mooy, - President Commissioner/Independent: Prof. Dr.
MSc, PhD Adrianus Mooy
- Komisaris Independen: Dewi Pandamsari - Independent Commissioner: Dewi Pandamsari (Dewi
Pandansari), SH
- Komisaris Independen : Tjindrasa Ng - Independent Commissioner: Tjindrasa Ng
• Direksi • Board of Directors
- Direktur Utama: Suhaimin Djohan - President Director: Suhaimin Djohan
- Direktur: Januar Angkawidjaja - Director: Januar Angkawidjaja
- Direktur: Hendra Kurniawan - Director: Hendra Kurniawan
- Direktur: Andrian Meirawan Saputra - Director: Andrian Meirawan Saputra
Masing-masing untuk masa jabatan terhitung sejak Rapat Each for a term of office commencing from the closing of
ini ditutup sampai dengan penutupan RUPS Tahunan The Meeting until the closing of the Third Annual GMS after
Ketiga setelah tanggal Rapat ini, dengan tidak mengurangi the date of this Meeting, without prejudice to the right of the
hak RUPS untuk menghentikan mereka sewaktu-waktu. GMS to terminate them at any time.
2. Melimpahkan wewenang kepada Dewan Komisaris 2. Granting the authority to the Board of Commissioners
Perseroan untuk menetapkan (i) pembagian tugas to determine (i) the division of duties and responsibilities
dan tanggung jawab bagi anggota Direksi, (ii) gaji of the Board of Directors, (ii) the rewards or honorarium
atau honorarium dan/ atau tunjangan lainnya bagi and / or other benefits for members of the Board of
anggota Direksi, (iii), gaji atau honorarium dan/ atau Directors, (iii) the rewards or honorarium and / or other
tunjangan lainnya bagi Dewan Komisaris dengan benefits for the Board of Commissioners with regard to the
mempertimbangkan rekomendasi Komite Remunerasi recommendation of the Remuneration and Nomination
dan Nominasi. Committee.
3. Memberikan kuasa kepada Direksi Perseroan dengan hak 3. Granting the power of attorney to the Board of Directors of
substitusi untuk melakukan segala tindakan sehubungan the Company with the right of substitution to take all actions
dengan penegasan susunan Pengurus Perseroan in connection with the confirmation of the composition of
tersebut, mengajukan serta menandatangani semua the Company’s Management, submit and sign all requests
permohonan dan dokumen lainnya yang diperlukan and other documents required in accordance with
sesuai dengan peraturan dan perundang-undangan applicable laws and regulations, including but not limited
yang berlaku, termasuk namun tidak terbatas untuk to stating them in one separate notarial deed, requesting
menyatakannya dalam satu akta Notaris yang terpisah, approval and/or notifying the change in the composition
memohon persetujuan dan/atau memberitahukan of the management to the Minister of Law and Human
perubahan susunan pengurus tersebut kepada Menteri Rights of the Republic of Indonesia and registering it in the
Hukum dan Hak Asasi Manusia Republik Indonesia Company Register; as well as requesting approval and/
dan mendaftarkannya dalam Daftar Perusahaan; serta or reporting to the Financial Services Authority, Indonesia
memohon persetujuan dan/atau melakukan pelaporan Central Bank and/or other relevant agencies when
kepada Otoritas Jasa Keuangan, Bank Indonesia dan/ necessary, until the application is approved, without any
atau instansi terkait lainnya bilamana diperlukan, hingga exceptions.
disetujuinya permohonan tersebut, tanpa ada yang
dikecualikan.
Agenda 5 Agenda 5
Menerima laporan pertanggungjawaban realisasi Received an accountability report on the realization of the use
penggunaan dana hasil Penawaran Umum Terbatas dalam of proceeds from the Limited Public Offering in the context of
rangka Penambahan Modal dengan Hak Memesan Efek Capital Increase with Pre-emptive Rights (PMHMETD) II which
Terlebih Dahulu (PMHMETD) II yang telah dilaksanakan pada was held in 2023.
tahun 2023.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 155
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TATA KELOLA PERUSAHAAN
Corporate Governance
RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
Ringkasan Risalah Rapat Umum Pemegang Summary of Minutes of The Extraordinary
Saham Luar Biasa General Shareholders Meeting
A. Agenda Rapat A. Agenda of the Meeting
1. Perubahan tempat kedudukan Perseroan. 1. Change of domicile of the Company
2. Penegasan kembali seluruh anggaran dasar 2. Reaffirmation of the entire articles of association
dan susunan pemegang saham Perseroan. and composition of the Company's shareholders.
B. Manajemen Perseroan yang hadir secara fisik B. The Management who were presents in the
dan daring (online) Meeting physically and online
Dewan Komisaris Board of Commissioners
• Komisaris Utama / Independen: Prof. Adrianus • President Commissioner/Independent: Prof.
Mooy MSc. PhD (daring) Dr. Adrianus Mooy (online)
• Komisaris Independen: Dewi Pandamsari • Independent Commissioner: Dewi Pandamsari
(fisik) (physically)
• Komisaris Independen: Tjindrasa Ng (fisik) • Independent Commissioner: Tjindrasa Ng
(physically)
Direksi Board of Directors
• Direktur Utama: Suhaimin Djohan (fisik) • President Director: Suhaimin Djohan (physically)
• Direktur: Januar Angkawidjaja (fisik) • Director: Januar Angkawidjaja (physically)
• Direktur: Hendra Kurniawan (fisik) • Director: Hendra Kurniawan (physically)
• Direktur: Andrian Meirawan Saputra (daring) • Director: Andrian Meirawan Saputra (online)
C. Kehadiran Pemegang Saham C. The Quorum
Rapat telah dihadiri oleh pemegang saham The Extraordinary General Shareholders Meeting
dan/atau kuasanya baik yang hadir secara fisik has been attended by the shareholders or their
maupun secara daring yang mewakili sejumlah proxies physically or online which represent
3.771.093.368 (tiga miliar tujuh ratus tujuh puluh 3,771,093,368 (three billion seven hundred and
satu juta sembilan puluh tiga ribu tiga ratus seventy one million ninety three thousand three
enam puluh delapan) saham atau setara dengan hundred and sixty eight) shares or equal to 71.378%
[71,378]% (tujuh puluh satu koma tiga tujuh (seventy one point three seven eight percent)
delapan persen) dari 5.283.278.775 (lima miliar from 5,283,278,775 (five billion two hundred and
dua ratus delapan puluh tiga juta dua ratus tujuh eighty three million two hundred and seventy
puluh delapan ribu tujuh ratus tujuh puluh lima) eight thousand seven hundred and seventy five)
saham yang merupakan seluruh saham yang shares which are the whole shares issued by The
telah dikeluarkan Perseroan sampai dengan Company until May 23rd, 2023 with legal voting
tanggal 23 Mei 2023 dan yang memiliki hak suara rights,, therefore as the required quorum is fulfilled,
yang sah, dengan demikian persyaratan kuorum which is at least 2/3 (two-third) of all shares issued
untuk pengambilan keputusan telah terpenuhi, by The Company, therefore the the Meeting is valid
yaitu lebih dari 2/3 (dua per tiga) bagian dari to be conducted and make valid resolutions.
jumlah seluruh saham yang telah dikeluarkan
oleh Perseroan, sehingga Rapat adalah sah dan
berhak untuk mengambil keputusan yang sah dan
mengikat.
156 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
D. Kesempatan Mengajukan Pertanyaan & Jumlah D. The Opportunity to Ask Questions & Number of
Pertanyaan Questions
• Para pemegang saham dan/atau kuasanya • Shareholders and/or their proxies have been
telah diberikan kesempatan untuk mengajukan given the opportunity to ask questions and/
pertanyaan dan/atau memberikan pendapat or provide opinions regarding the Meeting
terkait agenda Rapat. agenda.
• Pertanyaan disampaikan secara tertulis • Questions are submitted in writing through the
melalui aplikasi eASY KSEI. KSEI eASY application.
• Jumlah pemegang saham dan/atau kuasanya • The number of shareholders and/or their
yang mengajukan pertanyaan dan/atau proxies asking questions and/or giving opinions
memberikan pendapat adalah nihil. is zero.
E. Mekanisme Pengambilan Keputusan E. Resolutions Mechanism
Mekanisme pengambilan keputusan dalam Rapat The decision-making mechanism in the Meeting
dilakukan dengan cara pemungutan suara melalui is carried out by voting through the e-voting facility
fasilitas e-voting yang disediakan pada palikasi provided on the KSEI eASY application.
eASY KSEI.
F. Pihak Independen untuk melakukan B. Independent Parties to conduct quorum
penghitungan kuorum dan pemungutan suara counting and voting at the AGMS
keputusan RUPST
Kantor Notaris Lily harjati Soedewo SH MKn The Notary Office of Lily harjati Soedewo SH MKn
G. Proses Pengambilan dan Hasil Keputusan F. The Process and Results of the Annual General
Rapat Meefting of Shareholders
Proses Pengambilan Keputusan: The Process of Meeting Resolutions:
Atas Agenda Rapat tersebut di atas, proses The decision-making process of the above agenda
pengambilan keputusannya sebagai berikut: is as follows:
Setuju Tidak Setuju Abstain
Agenda
Affirmative Votes Disapproving Votes Abstain
3.771.093.368 saham atau 100% dari pemegang saham yang
Nihil Nihil
Agenda – 1 hadir
Nil Nil
3,771,093,368 shares or 100% of the votes Rights in the Meeting
3.766.812.368 saham atau 99,89% dari pemegang saham
yang hadir
Nihil Nihil
Agenda – 2 3,766,812,368 shares or 99,89% of the votes Rights in the
Nil Nil
Meeting
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 157
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TATA KELOLA PERUSAHAAN
Corporate Governance
RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
Hasil Keputusan Rapat: Results of the Meeting:
Agenda 1 Agenda 1
1. Menyetujui perubahan tempat kedudukan Perseroan 1. Approving the change in the domicile of the Company,
yang semula di Jakarta Selatan menjadi berkedudukan which was originally in South Jakarta to be domiciled in
di Kabupaten Tangerang, dan karenanya mengubah Tangerang Regency, and therefore amended the provisions
ketentuan Pasal 1 ayat (1) Anggaran Dasar Perseroan of Article 1 paragraph (1) of the Company’s Articles of
tentang Nama dan Tempat Kedudukan sehingga Pasal Association concerning Name and Place of Domicile so
1 ayat (1) Anggaran Dasar Perseroan untuk selanjutnya that Article 1 paragraph (1) of the Company’s Articles of
menjadi sebagai berikut. Association henceforth becomes as following:
• Pasal 1 • Article 1
(1) Perseroan Terbatas ini bernama: “PT BANK (1) This Limited Liability Company is named: “PT
NATIONALNOBU TBK” (selanjutnya cukup BANK NATIONALNOBU TBK” (hereinafter simply
disingkat “Perseroan”), berkedudukan di Kabupaten abbrevviated as “Company”), domiciled in Tangerang
Tangerang. Regency.
2. Mengubah alamat Perseroan menjadi seperti tersebut di 2. Change the Company’s addres to be as below:
bawah ini:
• Semula beralamat di: Gedung Plaza Semanggi • Originally located at : Semanggi Plaza Building, UG &
Ruang UG & L9, Jalan Jenderal Sudirman Kaveling 50, L9 Room, Jalan Jendral Sudirman Kavelling 50, Karet
Kelurahan Karet Semanggi, Kecamatan Setiabudi, Kota Semanggi Village, District Setiabudi, Administrative City
Administrasi Jakarta Selatan. of South Jakarta.
• Menjadi beralamat di: Gedung Graha Lippo, Jalan • To its addres at : Graha Lippo Building, Jalan Boulevard
Boulevard Diponegoro Nomor 101, Kelurahan Bencongan Diponegoro Number 101, Kelurahan Bencongan Indah,
Indah, Kecamatan Kelapa Dua, Kabupaten Tangerang. Kelapa Dua District, Tangerang Regency.
3. Memberikan wewenang dan/atau kuasa kepada 3. Granting the authority and/or power of attorney to the Board
Direksi Perseroan untuk melakukan segala tindakan of Directors of the Company to take all necessary and/or
yang diperlukan dan/atau disyaratkan sehubungan required actions in connection with the change of domicile
dengan perubahan tempat kedudukan dan alamat and address of the Company, including but not limited to
Perseroan tersebut, termasuk namun tidak terbatas pada restating the resolutions of this Meeting either in part or in
menyatakan kembali keputusan Rapat ini baik sebagian whole in a separate notarial deed, appear before a notary,
maupun seluruhnya dalam akta notaris tersendiri, submit and sign all requests and documents required in
menghadap notaris, mengajukan serta menandatangani accordance with applicable laws and regulations, including
semua permohonan dan dokumen yang diperlukan sesuai requests for approval of changes to the Company’s articles
dengan peraturan dan perundang-undangan yang berlaku, of association and notify the change of the Company’s
termasuk permohonan persetujuan atas perubahan address to the Minister of Law and Human Rights of the
anggaran dasar Perseroan dan memberitahukan Republic of Indonesia regarding changes in domicile and
perubahan alamat Perseroan kepada Menteri Hukum Dan address The company, as well as requesting approval
Hak Asasi Manusia Republik Indonesia terkait perubahan and/or reporting to Bank Indonesia/Financial Services
tempat kedudukan dan alamat Perseroan tersebut, serta Authority, without any exceptions.
memohon persetujuan dan/atau melakukan pelaporan
kepada Bank Indonesia/ Otoritas Jasa Keuangan, tanpa
ada yang dikecualikan.
Agenda 2 Agenda 2
1. Menegaskan dan menyatakan kembali bahwa seluruh 1. Reaffirm and restate that all of the Company’s articles
anggaran dasar Perseroan sehubungan dengan of association in connection with the changes to Article 1
perubahan Pasal 1 ayat (1) Anggaran Dasar Perseroan paragraph (1) of the Company’s Articles of Association as
sebagaimana yang telah diputuskan pada agenda decided on the first agenda of this Meeting and restate the
pertama Rapat ini dan menyatakan kembali seluruh isi entire contents of the Company’s Articles of Association in
Anggaran Dasar Perseroan dalam satu naskah, sehingga one text, so that the main provisions of the entire articles of
ketentuan pokok keseluruhan anggaran dasar Perseroan association The company becomes as it will be displayed
menjadi seperti yang akan ditayangkan dalam layar/slide. on the screen/slide.
158 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
Hasil Keputusan Rapat: Results of the Meeting:
2. Menegaskan, bahwa susunan pemegang saham lokal 2. Confirming that the composition of the Company’s local
Perseroan di atas 5% berdasarkan Daftar Pemegang shareholders with more than 5% based on the Register
Saham yang dikeluarkan oleh PT Sharestar Indonesia of Shareholders issued by PT Sharestar Indonesia as the
selaku Biro Administrasi Efek, per-tanggal 31 Mei 2023 Securities Administration Bureau, as of 31 May 2023 is as
adalah sebagai berikut: follows:
a. PT PUTERA MULIA INDONESIA sejumlah 1.158.121.621 a. PT PUTERA MULIA INDONESIA totalling 1,158,121,621
(satu miliar seratus lima puluh delapan juta seratus (one billion one hundred fifty-eight million one hundred
dua puluh satu ribu enam ratus dua puluh satu) twenty-one thousand six hundred twenty-one) shares
saham dengan nilai nominal seluruhnya sebesar with a total nominal value of IDR115,812,162,100 (one
Rp115.812.162.100,- (seratus lima belas miliar delapan hundred and fifteen billion eight hundred and twelve
ratus dua belas juta seratus enam puluh dua ribu million) one hundred sixty-two thousand one hundred
seratus Rupiah); Rupiah;
b. PT PRIMA CAKRAWALA SENTOSA sejumlah b. PT PRIMA CAKRAWALA SENTOSA in the amount of
868.750.000 (delapan ratus enam puluh delapan 868,750,000 (eight hundred sixty-eight million seven
juta tujuh ratus lima puluh ribu) saham dengan nilai hundred fifty thousand) shares with a total nominal
nominal seluruhnya sebesar Rp86.875.000.000,- value of IDR86,875,000,000 (eighty-six billion eight
(delapan puluh enam miliar delapan ratus tujuh puluh hundred seventy-five million Rupiah);
lima juta Rupiah);
c. PT MATAHARI DEPARTMENT STORE TBK sejumlah c. PT MATAHARI DEPARTMENT STORE TBK in the
728.000.000 (tujuh ratus dua puluh delapan juta) amount of 728,000,000 (seven hundred twenty-
saham dengan nilai nominal seluruhnya sebesar eight million) shares with a total nominal value of
Rp72.800.000.000,- (tujuh puluh dua miliar delapan IDR72,800,000,000 (seventy-two billion eight hundred
ratus juta Rupiah); million Rupiah);
d. PT STAR PACIFIC TBK sejumlah 621.621.621 (enam d. PT STAR PACIFIC TBK in the amount of 621,621,621 (six
ratus dua puluh satu juta enam ratus dua puluh satu hundred twenty-one million six hundred twenty-one
ribu enam ratus dua puluh satu) saham dengan nilai thousand six hundred twenty-one) shares with a total
nominal seluruhnya sebesar Rp62.162.162.100,- (enam nominal value of IDR62,162,162,100 (sixty-two billion
puluh dua miliar seratus enam puluh dua juta seratus one hundred sixty-two million) one hundred sixty-two
enam puluh dua ribu seratus Rupiah; thousand one hundred Rupiah);
e. PT INTI ANUGERAH PRATAMA sejumlah 337.332.300 e. PT INTI ANUGERAH PRATAMA totalling 337,332,300
(tiga ratus tiga puluh tujuh juta tiga ratus tiga puluh (three hundred thirty-seven million three hundred
dua ribu tiga ratus) saham dengan nilai nominal thirty-two thousand three hundred) shares with a
seluruhnya sebesar Rp33.733.230.000,- (tiga puluh total nominal value of IDR 33,733,230,000 (thirty-three
tiga miliar tujuh ratus tiga puluh tiga juta dua ratus tiga billion seven hundred thirty-three million two hundred)
puluh ribu Rupiah); thirty thousand rupiah);
f. Masyarakat sejumlah 1.569.453.233 (satu miliar lima f. Public in the number of 1,569,453,233 (one billion five
ratus enam puluh sembilan juta empat ratus lima hundred sixty-nine million four hundred fifty-three
puluh tiga ribu dua ratus tiga puluh tiga) saham dengan thousand two hundred thirty-three) shares with a
nilai nominal seluruhnya sebesar Rp156.945.323.300 total nominal value of IDR 156,945,323,300 (one
(seratus lima puluh enam miliar sembilan ratus hundred fifty-six billion nine hundred forty-five million
empat puluh lima juta tiga ratus dua puluh tiga ribu three hundred twenty-three thousand three hundred
tiga ratus Rupiah); Rupiah);
Sehingga seluruhnya berjumlah 5.283.278.775 (lima So that a total of 5,283,278,775 (five billion two hundred
miliar dua ratus delapan puluh tiga juta dua ratus eighty-three million two hundred seventy-eight thousand
tujuh puluh delapan ribu tujuh ratus tujuh puluh seven hundred seventy-five) shares with a total nominal
lima) saham dengan nilai nominal seluruhnya sebesar value of IDR 528,327,877,500 (five hundred twenty-eight
Rp528.327.877.500,- (lima ratus dua puluh delapan billion three hundred two twenty-seven million eight
miliar tiga ratus dua puluh tujuh juta delapan ratus tujuh hundred seventy-seven thousand five hundred Rupiah).
puluh tujuh ribu lima ratus Rupiah).
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TATA KELOLA PERUSAHAAN
Corporate Governance
RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
Hasil Keputusan Rapat: Results of the Meeting:
3. Memberikan wewenang dan/atau kuasa kepada Direksi 3. Granting the authority and/or power to the Board of
Perseroan untuk melakukan segala tindakan yang Directors of the Company to take all necessary and/or
diperlukan dan/atau disyaratkan sehubungan dengan required actions in connection with the confirmation of
penegasan seluruh anggaran dasar Perseroan dan the entire articles of association of the Company and the
susunan pemegang saham Perseroan tersebut, termasuk composition of the Company’s shareholders, including
namun tidak terbatas pada menyatakan kembali but not limited to restating the decision regarding this
keputusan tentang penegasan ini baik sendiri maupun confirmation either individually or jointly - together with
bersama-sama dengan keputusan agenda pertama the decision on the first agenda of this Meeting in a
Rapat ini dalam akta notaris tersendiri, menghadap notaris, separate notarial deed, before the notary, submitting
mengajukan serta menandatangani semua permohonan and signing all requests and documents required in
dan dokumen yang diperlukan sesuai dengan peraturan accordance with the applicable laws and regulations,
dan perundang-undangan yang berlaku, termasuk including reporting to Bank Indonesia/Financial Services
melakukan pelaporan kepada Bank Indonesia/ Otoritas Authority, as well as making changes and/or additional
Jasa Keuangan, serta membuat perubahan dan/atau necessary for the purpose; and in general to carry out
tambahan yang diperlukan untuk maksud tersebut; any and all actions and matters deemed necessary,
dan secara umum untuk melakukan setiap dan seluruh appropriate and/or beneficial to the Company to fully
tindakan dan hal-hal yang dianggap perlu, pantas dan/ implement any or all of the decisions of this Meeting.
atau menguntungkan Perseroan untuk melaksanakan
secara penuh setiap atau seluruh keputusan Rapat ini.
RAPAT UMUM PEMEGANG SAHAM LUAR General Meeting of Shareholders
BIASA 2023 2023
Direksi PT Bank Nationalnobu Tbk (“Perseroan”) The Board of Directors of PT Bank Nationalnobu
dengan ini mengumumkan bahwa Perseroan telah Tbk (the “Company”) hereby announce that the
menyelenggarakan Rapat Umum Pemegang Saham Company has convened The Extraordinary General
Luar Biasa (RUPSLB) Perseroan secara elektronik Shareholders’ Meeting (EGM) electronically through
melalui eASY.KSEI untuk selanjutnya disebut “Rapat”, eASY.KSEI, hereinafter referred to as the “Meeting”,
di Kantor Pusat Perseroan, Plaza Semanggi Lantai 9, at The Head Office of The Company, Plaza Semanggi
Jl. Jend. Sudirman Kav. 50 Jakarta 12930, tanggal 17 9th Floor, Jl. Jend. Sudirman Kav. 50 Jakarta 12930, on
April 2023 pada Pukul 14:25 WIB, dengan ringkasan 17 April 2023 at 14:25 Indonesia Western Standard
risalah sebagai berikut: Time with the summary of minutes as follows:
A. Agenda Rapat A. Agenda of the Meeting
1. Persetujuan atas peningkatan modal dasar 1. Approval of the increase in the Company’s
Perseroan menjadi sebesar Rp2.000.000.000.000 authorized capital to Rp 2,000,000,000,000 (two
(dua triliun Rupiah) yang terbagi dalam trillion Rupiah) divided into 20,000,000,000 (twenty
20.000.000.000 (dua puluh miliar) saham dengan billion) shares with a nominal value of Rp100,- (one
nilai nominal Rp100 (seratus Rupiah) per saham. hundred Rupiah) per share.
2. Persetujuan rencana Perseroan untuk melakukan 2. Approval of the Company’s plan to conduct a
Penawaran Umum Terbatas dalam rangka Limited Public Offering in the context of Capital
Penambahan Modal Dengan Memberikan Hak Increase by Providing Preemptive Rights
Memesan Efek Terlebih Dahulu (“PMHMETD III”) (“PMHMETD III”) including:
termasuk:
a. Persetujuan Perubahan Pasal 4 ayat 2 a. Approval of Amendment to Article 4 paragraph
Anggaran Dasar Perseroan sehubungan 2 of the Company’s Articles of Association in
dengan peningkatan modal ditempatkan dan
160 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
disetor Perseroan dalam rangka PMHMETD III; connection with the increase in the issued and
dan paid-up capital of the Company in the context
of PMHMETD III; and
b. Pemberian kuasa dan wewenang kepada b. Granting power and authority to the Board of
Direksi Perseroan dengan hak substitusi Directors of the Company with substitution
untuk melaksanakan segala tindakan yang rights to carry out all necessary actions related
diperlukan berkaitan dengan PMHMETD to PMHMETD III, including but not limited to
III, termasuk namun tidak terbatas pada making or requesting all necessary deeds,
membuat atau meminta dibuatkan segala letters, and documents to be made present
akta-akta, surat-surat, maupun dokumen- at the before the authorized party/official
dokumen yang diperlukan, hadir di hadapan including a notary, submit an application
pihak/pejabat yang berwenang termasuk to the authorized party/official to obtain
notaris, mengajukan permohonan kepada approval or report the matter to the authorized
pihak/pejabat yang berwenang untuk party/official and register it in the company
memperoleh persetujuan atau melaporkan register as referred to the applicable laws and
hal tersebut kepada pihak/pejabat yang regulations; and grant power and authority to
berwenang serta mendaftarkannya dalam the Company’s Board of Commissioners to
daftar perseroan sebagaimana dimaksud declare the realization of the number of shares
dalam peraturan perundangan yang berlaku; to be issued in regards to the increase in issued
dan memberikan kuasa dan wewenang kepada and paid-up capital after PMHMETD III is
Dewan Komisaris Perseroan guna menyatakan completed.
realisasi jumlah saham yang akan dikeluarkan
sehubungan peningkatan modal ditempatkan
dan disetor setelah PMHMETD III selesai
dilaksanakan.
B. Manajemen Perseroan yang hadir secara fisik B. The Management attending the Meeting both
dan daring (online) online and physically
Dewan Komisaris Board of Commissioners
• Komisaris Utama/Independen: Prof. Adrianus • President Commissioner/Independent: Prof.
Mooy MSc. PhD (daring) Adrianus Mooy MSc. PhD (online)
• Komisaris Independen: Dewi Pandamsari • Independent Commissioner: Dewi Pandamsari
(fisik) (physically)
• Independent Commissioner: Tjiandrasa Ng
• Komisaris Independen: Tjindrasa Ng (fisik) (physically)
Direksi Board of Directors
• Direktur Utama: Suhaiman Djohan (fisik) • President Director: Suhaimin Djohan (physically)
• Direktur: Januar Kurniawan (fisik) • Director: Januar Angkawidjaja (physically)
• Direktur: Hendra Kurniawan (fisik) • Director: Hendra Kurniawan (physically)
• Direktur: Andrian Meirawan Saputra (daring) • Director: Andrian Meirawan Saputra (online)
C. Kehadiran Pemegang Saham C. Attendance of the Shareholders
Rapat telah dihadiri oleh pemegang saham dan/ The meeting was attended by shareholders and/
atau kuasanya secara daring yang mewakili or their proxies online representing a total of
sejumlah 3.979.639.905 (tiga miliar sembilan ratus 3.979.639.905 (three billion nine hundred seventy
tujuh puluh sembilan juta enam ratus tiga puluh nine million six hundred thirty nine thousand
sembilan ribu sembilan ratus lima) saham atau nine hundred and five) shares or equivalent to
setara dengan [75,325]% (tujuh lima koma tiga [75.325]% (seven five point three two five percent)
dua lima persen) dari 5.283.278.775 (lima miliar of 5,283,278,775 (five billion two hundred and
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TATA KELOLA PERUSAHAAN
Corporate Governance
RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
dua ratus delapan puluh tiga juta dua ratus tujuh eighty three million two hundred seventy eight
puluh delapan ribu tujuh ratus tujuh puluh lima) thousand seven hundred and seventy five) shares
saham yang merupakan seluruh saham yang which are all the shares that have been issued by
telah dikeluarkan Perseroan sampai dengan the Company until 21 March 2023 and have valid
tanggal 21 Maret 2023 dan yang memiliki hak voting rights,thus the quorum requirement for
suara yang sah, dengan demikian persyaratan decision making has been fulfilled, which is more
kuorum untuk pengambilan keputusan telah than 2/3 (two thirds) of the total number of shares
terpenuhi, yaitu lebih dari 2/3 (dua per tiga) bagian issued by the Company, so the Meeting is valid and
dari jumlah seluruh saham yang telah dikeluarkan entitled to make valid and binding decisions.
oleh Perseroan, sehingga Rapat adalah sah dan
berhak untuk mengambil keputusan yang sah dan
mengikat.
D. Kesempatan Mengajukan Pertanyaan & Jumlah D. The Opportunity to Ask Questions & Number
Pertanyaan Questions
• Para pemegang saham dan/atau kuasanya • The shareholders and their proxies were given
telah diberikan kesempatan untuk mengajukan the opportunity to ask question upon the
pertanyaan dan/atau memberikan pendapat agenda.
terkait agenda Rapat.
• Pertanyaan disampaikan secara tertulis • Questions are submitted in writing through the
melalui aplikasi eASY KSEI. eASY KSEI application.
• Jumlah pemegang saham dan/atau kuasanya • None of shareholders and/or their proxies
yang mengajukan pertanyaan dan/atau asking questions and/or give an opinion in The
memberikan pendapat adalah nihil. Meeting.
E. Mekanisme Pengambilan Keputusan E. Resolutions Mechanism
Mekanisme pengambilan keputusan dalam Rapat The decision-making mechanism in the Meeting
dilakukan dengan cara pemungutan suara melalui is carried out by voting through the e-voting facility
fasilitas e-voting yang disediakan pada palikasi provided in the eASY KSEI application
eASY KSEI.
F. Pihak Independen untuk melakukan F. Independent Parties to conduct quorum
penghitungan kuorum dan pemungutan suara counting and voting at the AGMS
keputusan RUPST
Kantor Notaris Lily harjati Soedewo SH MKn The Notary Office of Lily harjati Soedewo SH MKn
G. Proses Pengambilan dan Hasil Keputusan G. The Process and Results of the Annual General
Rapat Meefting of Shareholders
Proses Pengambilan Keputusan: The Process of Meeting Resolutions:
Atas Agenda Rapat tersebut di atas, proses The decision-making process of the above agenda
pengambilan keputusannya sebagai berikut: is as follows:
Setuju Tidak Setuju Abstain
Agenda
Affirmative Votes Disapproving Votes Abstain
3.979.639.905 saham atau 100% dari pemegang saham yang
Nihil Nihil
Agenda – 1 hadir
Nil Nil
3,979,639,905 shares or 100% of the votes Rights in the Meeting
3.979.639.905 saham atau 100% dari pemegang saham yang
Nihil Nihil
Agenda – 2 hadir
Nil Nil
3,979,639,905 shares or 99,89% of the votes Rights in the Meeting
162 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 165
RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
Hasil Keputusan Rapat: Results of the Meeting:
Agenda 1 Agenda 1
1. Menyetujui peningkatan modal dasar Perseroan yang 1. Approved the increase in the authorized capital of the
semula sebesar Rp795.000.000.000,- (tujuh ratus Company, which was originally Rp795,000,000,000.-
sembilan puluh lima miliar Rupiah) menjadi sebesar (seven hundred and ninety-five billion Rupiah) to
Rp2.000.000.000.000,- (dua triliun Rupiah) yang terbagi Rp2,000,000,000,000.- (two trillion Rupiah), divided into
dalam 20.000.000.000 (dua puluh miliar) saham dengan 20,000,000,000 (twenty billion) shares with a nominal value
nilai nominal Rp100,- (seratus Rupiah) per saham. Dan of IDR100,- (one hundred Rupiah) per share. And therefore,
karenanya mengubah ketentuan Pasal 4 ayat 1 Anggaran amended the provisions of Article 4 paragraph 1 of the
Dasar Perseroan sehingga untuk selanjutnya ketentuan Company’s Articles of Association so that henceforth
Pasal 4 ayat 1 Anggaran Dasar Perseroan menjadi sebagai the provisions of Article 4 paragraph 1 of the Company’s
berikut: Articles of Association become as follows:
• Pasal 4 ayat 1. – • Article 4 paragraph 1. –
(1) Modal dasar Perseroan berjumlah (1) The authorized capital of the Company is IDR
Rp2.000.000.000.000,- (dua triliun Rupiah) terbagi 2,000,000,000,000 (two trillion Rupiah) divided into
atas 20.000.000.000 (dua puluh miliar) saham 20,000,000,000 (twenty billion) shares, each share
masing-masing saham bernilai nominal Rp100,- having a nominal value of IDR 100 (one hundred
(seratus Rupiah). Rupiah).
2. Memberikan persetujuan, wewenang dan/atau kuasa 2. Gave approval, authority and/or power to the Board of
kepada Direksi Perseroan dengan hak substitusi untuk Directors of the Company with the right of substitution to
melakukan segala tindakan yang diperlukan dan/atau take all necessary and/or required actions in conjunction
disyaratkan sehubungan dengan peningkatan Modal with the increase in the Authorized Capital of the Company
Dasar Perseroan tersebut di atas termasuk tetapi tidak mentioned above including but not limited to restating
terbatas untuk menyatakan kembali keputusan rapat the decision of the meeting in a separate notarial deed,
tersebut dalam akta notaris tersendiri, menentukan determine changes in the provisions in the articles of
perubahan dalam ketentuan-ketentuan di dalam pasal- association of the Company, either partially or wholly in
pasal anggaran dasar Perseroan, baik sebagian maupun the form of a notarial deed, appear before a notary, submit
seluruhnya dalam bentuk akta notaris, menghadap di and sign all applications and other documents required in
hadapan notaris, mengajukan serta menandatangani accordance with applicable laws and regulations, including
semua permohonan dan dokumen lainnya yang diperlukan to the Minister of Law and Human Rights of the Republic
sesuai dengan peraturan dan perundang-undangan yang of Indonesia regarding the application for approval for the
berlaku, termasuk kepada Menteri Hukum dan Hak Asasi amendment of the Company’s Articles of Association until
Manusia Republik Indonesia terkait dengan permohonan the application is received, without any exceptions.
persetujuan pengubahan Anggaran Dasar Perseroan
hingga diterimanya permohonan tersebut, tanpa ada yang
dikecualikan.
Agenda 2 Agenda 2
Menyetujui rencana Perseroan untuk melakukan Penawaran Approved the Company’s plan to conduct a Limited Public
Umum Terbatas dalam rangka Penambahan Modal Offering in the context of Increasing Capital by Providing Pre-
Dengan Memberikan Hak Memesan Efek Terlebih Dahulu emptive Rights (“PMHMETD”) III including:
(“PMHMETD”) III termasuk:
1. Menyetujui Perubahan Pasal 4 ayat 2 Anggaran 1. Approve the amendment to Article 4 paragraph 2 of the
Dasar Perseroan sehubungan dengan peningkatan Company’s Articles of Association in conjunction with the
modal ditempatkan dan disetor Perseroan, dengan increase in the issued and paid-up capital of the Company,
mengeluarkan saham baru dalam rangka PMHMETD III, by issuing new shares in the context of PMHMETD III, for a
untuk jumlah sebanyak-banyaknya 2.600.000.000 (dua maximum amount of 2,600,000,000 (two billion six hundred
miliar enam ratus juta) saham baru Perseroan dengan million) new shares of the Company with a nominal value
nilai nominal Rp100 (seratus Rupiah) per saham, dimana of IDR 100 (one hundred rupiah) per share, whereby the
penggunaan dana hasil PMHMETD III Perseroan tersebut use of the proceeds from PMHMETD III of the Company
akan digunakan seluruhnya untuk memperkuat struktur will be used entirely to strengthen the capital structure in
permodalan selaras dengan Peraturan OJK No.12/ line with OJK Regulation No.12/POJK.03/2020 concerning
POJK.03/2020 tentang Konsolidasi Bank Umum dan Consolidation of Commercial Banks and used as working
digunakan sebagai modal kerja dalam bentuk penyaluran capital in the form of channelling loans to customers and
kredit kepada nasabah dan pengembangan layanan the development of the Company’s digital services; And
digital Perseroan; dan
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 163
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TATA KELOLA PERUSAHAAN
Corporate Governance
RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
Hasil Keputusan Rapat: Results of the Meeting:
2. Memberikan kuasa dan wewenang kepada Direksi 2. Granted power and authority to the Board of Directors of
Perseroan dengan hak substitusi untuk melaksanakan the Company with the right of substitution to carry out all
segala tindakan yang diperlukan berkaitan dengan necessary actions related to PMHMETD III, including but
PMHMETD III, termasuk namun tidak terbatas pada: not limited to:
a. Menentukan kepastian jumlah saham yang a. Determine the certainty of the number of shares
dikeluarkan dan harga pelaksanaan Penambahan issued and the implementation price of Capital
Modal dengan memberikan Hak Memesan Efek Increase by granting Pre-emptive Rights with the
Terlebih Dahulu dengan persetujuan Dewan approval of the Board of Commissioners;
Komisaris;
b. Menentukan tanggal Daftar Pemegang Saham yang b. Determine the date of the List of Shareholders
berhak atas Hak Memesan Efek Terlebih Dahulu; entitled to Pre-emptive Rights;
c. Menentukan jadwal Penambahan Modal dengan c. Determine the schedule for Capital Increase by
memberikan Hak Memesan Efek Terlebih Dahulu; granting Pre-emptive Rights;
d. Menentukan rasio pemegang saham yang berhak d. Determine the ratio of shareholders entitled to Pre-
atas Hak Memesan Efek Terlebih Dahulu; emptive Rights;
e. Menentukan penggunaan dana hasil Penambahan e. Determine the use of proceeds from the Capital
Modal dengan memberikan Hak Memesan Efek Increase by granting Pre-emptive Rights
Terlebih Dahulu;
f. Menentukan ada atau tidak adanya Pembeli Siaga, f. Determine whether there is a Standby Buyer or
serta menetapkan dan menegosiasikan syarat dan not, and determine and negotiate the terms and
ketentuan perjanjian antara Perseroan dengan conditions of the agreement between the Company
Pembeli Siaga; and the Standby Buyer;
g. Menghadap kepada pihak/pejabat yang berwenang g. Appear before the authorized party/official including
termasuk notaris, mengajukan permohonan kepada a notary, submit an application to the authorized
pihak/pejabat yang bewenang untuk memperoleh party/official for approval or report the matter to the
persetujuan atau melaporkan hal tersebut kepada authorized party/official;
pihak/pejabat yang berwenang;
h. Mempersiapkan, membuat, meminta untuk h. Prepare, make, request to be made, sign and submit,
dibuatkan, menandatangani, dan mengajukan, submit any or all documents and/or letters, reports,
menyampaikan setiap atau seluruh dokumen – applications, registration statements, notifications,
dokumen dan/atau surat, laporan, permohonan, statements, deeds, agreements, ageements
pernyataan pendaftaran, pemberitahuan, (hereinafter referred to as “Documents” related to
pernyataan-pernyataan, akta, persetujuan, the Company’s PMHMETD), including but not limited
perjanjian-perjanjian (selanjutnya disebut to:
“Dokumen” terkait PMHMETD Perseroan), termasuk
namun tidak terbatas pada:
i. Segala Dokumen yang dibutuhkan untuk i. All documents needed to submit a Registration
mengajukan Pernyataan Pendaftaran dalam Statement in the framework of the Company’s
rangka PMHMETD III Perseroan kepada Otoritas PMHMETD III to the Financial Services Authority
Jasa Keuangan (“OJK”); (“OJK”);
ii. Segala Dokumen yang dibutuhkan untuk ii. All documents needed to submit an application
mengajukan permohonan pencatatan saham for listing additional shares related to the
tambahan terkait dengan PMHMETD III Company’s PMHMETD III to the Indonesia Stock
Perseroan kepada PT Bursa Efek Indonesia Exchange (“Exchange”), except for 1% (one
(“Bursa”), kecuali atas 1% (satu persen) saham percent) of shares not listed on the Exchange;
yang tidak dicatatkan pada Bursa;
iii. Segala Dokumen yang dibutuhkan untuk iii. All documents needed to submit an application
mengajukan permohonan pendaftaran saham for registration of additional shares related to
tambahan terkait dengan PMHMETD III the Company’s PMHMETD III to PT Kustodian
Perseroan kepada PT Kustodian Sentral Efek Sentral Efek Indonesia (“KSEI”); and
Indonesia (“KSEI”); dan
iv. Segala Dokumen yang diperlukan terkait dengan iv. All necessary documents related to the
rencana PMHMETD Perseroan. Company’s PMHMETD plan.
164 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
Hasil Keputusan Rapat: Results of the Meeting:
i. Menegaskan dan atau menyatakan kembali dalam i. Confirm and or restate in 1 (one) or more decisions
1 (satu) atau lebih keputusan dalam Rapat ini, baik in this Meeting, either in part or in whole, in 1 (one) or
sebagian maupun seluruhnya, dalam pada 1 (satu) more separate Notary deed; and subsequently, submit
atau lebih akta Notaris tersendiri; dan selanjutnya, notification of amendments to Article 4 paragraph
menyampaikan pemberitahuan atas perubahan Pasal (2) of the Company’s Articles of Association to the
4 ayat (2) Anggaran Dasar Perseroan kepada Menteri Minister of Law and Human Rights of the Republic
Hukum dan Hak Asasi Manusia Republik Indonesia of Indonesia to obtain a Letter of Acceptance of
untuk memperoleh Surat Penerimaan Pemberitahuan Notification of Amendments to the Company’s Articles
Perubahan Anggaran Dasar Perseroan, penegasan of Association, reaffirmation of the composition of the
kembali susunan pemegang saham Perseroan di company’s shareholders above 5% (five percent); as
atas 5% (lima persen); serta membuat perubahan well as make changes and/or additions needed for
dan/atau tambahan yang diperlukan untuk maksud that purpose; and
tersebut; dan
j. Secara umum untuk melakukan setiap dan seluruh j. In general, to carry out any and all actions and matters
tindakan dan hal-hal yang dianggap perlu, pantas dan/ deemed necessary, appropriate and/or beneficial
atau menguntungkan Perseroan untuk melaksanakan to the Company to fully carry out each or all of this
secara penuh setiap atau seluruh Rapat ini. Meeting.
3. Serta pemberian kewenangan kepada Dewan Komisaris 3. And granted authority to the Company’s Board of
Perseroan, termasuk namun tidak terbatas untuk: Commissioners, including but not limited to:
a. Menyatakan realisasi jumlah saham yang telah a. Stating the realization of the number of shares that
dikeluarkan sehubungan dengan peningkatan modal have been issued in connection with the increase in
ditempatkan dan disetor setelah Penambahan Modal issued and paid-up capital after the Capital Increase
dengan memberikan Hak Memesan Efek Terlebih by granting Pre-emptive Rights has been completed,
Dahulu selesai dilaksanakan termasuk menyatakan including restating the composition of the sharehold-
kembali susunan pemegang saham di atas 5% ers above 5% after PMHMETD III. Furthermore, submit
setelah PMHMETD III. Selanjutnya, menyampaikan notification of amendments to Article 4 paragraph (2)
pemberitahuan atas perubahan Pasal 4 ayat (2) of the Company’s Articles of Association to the Minis-
Anggaran Dasar Perseroan kepada Menteri Hukum ter of Law and Human Rights of the Republic of Indo-
dan Hak Asasi Manusia Republik Indonesia untuk nesia to obtain a Letter of Acceptance of Notification
memperoleh Surat Penerimaan Pemberitahuan of Amendments to the Company’s Articles of Associ-
Perubahan Anggaran Dasar Perseroan, serta ation, as well as make changes and/or additions re-
membuat perubahan dan/atau tambahan yang quired for that purpose; and
diperlukan untuk maksud tersebut; dan
b. Menandatangani, mencetak, menerbitkan dan/atau b. Sign, print, issue and/or submit documents required in
mengajukan dokumen yang diperlukan sehubungan connection with the realization of the number of shares
dengan realisasi jumlah saham yang telah dikeluarkan that have been issued above in accordance with appli-
tersebut di atas sesuai ketentuan hukum yang berlaku. cable legal provisions.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 165
Page 168
TATA KELOLA PERUSAHAAN
Corporate Governance
RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
HASIL & REALISASI RAPAT UMUM RESULTS & REALISATION OF THE
PEMEGANG SAHAM TAHUNAN 2022 ANNUAL GENERAL MEETING OF
SHAREHOLDERS 2022
Berikut agenda dan hasil keputusan RUPST pada The following is the agenda and results of the
tanggal 14 Juli 2022 di Kantor Pusat Perseroan, Plaza resolutions of AGMS held on 14 July 2022 at The Head
Semanggi Lantai 9, Jl. Jend. Sudirman Kav. 50 Jakarta Office of The Company, Plaza Semanggi 9th Floor, Jl.
12930. Jend. Sudirman Kav. 50 Jakarta 12930.
Manajemen Perseroan yang hadir secara fisik dan The Management attending the Meeting, online or
daring (online) physically
Dewan Komisaris Board of Commissioners
• Komisaris Independen: Dewi Pandamsari (fisik) • Independent Commissioner: Dewi Pandamsari
(physically)
• Komisaris Independen: Tjindrasa Ng (fisik) • Independent Commissioner: Tjindrasa Ng
(physically)
Direksi Board of Directors
• Direktur Utama: Suhaimin Djohan (fisik) • President Director: Suhaimin Djohan (physically)
• Direktur: Januar Angkawidjaja (fisik) • Director: Januar Angkawidjaja (physically)
• Direktur: Hendra Kurniawan (fisik) • Director: Hendra Kurniawan (physically)
• Direktur: Andrian Meirawan Saputra (fisik) • Director: Andrian Meirawan Saputra (physically)
Kehadiran Pemegang Saham The Quorum
Rapat telah dihadiri oleh pemegang saham dan/ The Annual General Shareholders Meeting has been
atau kuasanya secara daring yang mewakili sejumlah attended by the shareholders or their proxies online
3.287.084.925 (tiga miliar dua ratus delapan puluh which represent 3.287.084.925 (three billion two
tujuh juta delapan puluh empat ribu sembilan ratus hundred and eighty seven million eighty four thousand
dua puluh lima) saham atau setara dengan 71,423% nine hundred and twenty five) shares or equal to
(tujuh puluh satu koma empat dua tiga persen) dari 71.423% (seventy one point four two three percent)
4.602.279.422 422 (empat miliar enam ratus dua juta from 4,602,279,422 (four billion six hundred and two
dua ratus tujuh puluh sembilan ribu empat ratus dua million two hundred and seventy nine thousand four
puluh dua) saham yang merupakan seluruh saham hundred and twenty two) shares which are the whole
yang telah dikeluarkan Perseroan sampai dengan shares issued by The Company until June 21st, 2022
tanggal 21 Juni 2022 dan yang memiliki hak suara with legal voting rights, therefore as the required
yang sah, dengan demikian persyaratan kuorum quorum is fulfilled, which is at least 1/2 (one-half) of all
untuk pengambilan keputusan telah terpenuhi, shares issued by The Company, therefore the Meeting
yaitu lebih dari 1/2 (satu per dua) bagian dari is valid to be conducted and make valid resolutions.
jumlah seluruh saham yang telah dikeluarkan oleh
Perseroan, sehingga Rapat adalah sah dan berhak
untuk mengambil keputusan yang sah dan mengikat.
Kesempatan Mengajukan Pertanyaan & Jumlah The Opportunity to Ask Questions & Number of
Pertanyaan Questions
• Para pemegang saham dan/atau kuasanya • The shareholders and their proxies were given the
telah diberikan kesempatan untuk mengajukan opportunity to ask question upon the agenda.
pertanyaan dan/atau memberikan pendapat
terkait agenda Rapat.
166 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
• Pertanyaan disampaikan secara tertulis melalui • Questions are submitted in writing through the
aplikasi eASY KSEI. eASY KSEI application.
• Jumlah pemegang saham dan/atau kuasanya • None of shareholders and/or their proxies asking
yang mengajukan pertanyaan dan/atau questions and/or give an opinion in The Meeting.
memberikan pendapat adalah nihil.
Mekanisme Pengambilan Keputusan Resolution Mechanism
Mekanisme pengambilan keputusan dalam Rapat The decision-making mechanism in the Meeting
dilakukan dengan cara pemungutan suara melalui is carried out by voting through the e-voting facility
fasilitas e-voting yang disediakan pada aplikasi eASY provided in the eASY KSEI application.
KSEI.
No. Agenda Keputusan I Resolution
Agenda 1
1 Persetujuan atas Laporan Tahunan 1. Menyetujui Laporan Tahunan Perseroan mengenai keadaan dan jalannya
dan Pengesahan Laporan Keuangan kegiatan usaha Perseroan, yang antara lain memuat Laporan Keuangan
Tahunan Perseroan untuk Tahun Buku Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember
2021 termasuk Laporan Pengurusan 2021, dimana di dalamnya termasuk Laporan Pengurusan Direksi atas
Direksi dan Laporan Pengawasan Dewan Kegiatan Usaha Perseroan serta Laporan Tugas Pengawasan Dewan
Komisaris untuk Tahun Buku 2021. Komisaris untuk tahun buku yang bersangkutan;
2. Mengesahkan Laporan Keuangan Tahunan Perseroan untuk tahun
Approval for the Company’s Annual buku yang berakhir pada tanggal 31 Desember 2021 yang telah diaudit
Report and the ratification of The oleh Kantor Akuntan Publik Amir Abadi Jusuf, Aryanto, Mawar & Rekan
Company’s Annual Financial Statements dengan opini Wajar Tanpa Pengecualian sebagaimana ternyata dari
for the financial year ended on December laporannya No: 00317/2.1030/AU.1/07/1298-3/1/IV/2022 tertanggal 11
31st, 2021, including the Management April 2022 dimana di dalamnya termasuk Laporan Posisi Keuangan dan
Report of the Board of Directors and Laporan Laba Rugi Komprehensif Perseroan untuk tahun buku yang
Supervisory Report of the Board of berakhir pada tanggal 31 Desember 2021; dan
Commissioners for the financial year 3. Memberikan pembebasan tanggung jawab sepenuhnya kepada
ended on 31 December 2021. seluruh anggota Direksi dan Dewan Komisaris Perseroan atas tindakan
pengurusan dan pengawasan yang telah dijalankannya untuk tahun
buku yang berakhir pada tanggal 31 Desember 2021 (acquit et de
charge), sepanjang tindakan-tindakan mereka tersebut tercermin
dalam Laporan Tahunan dan Laporan Keuangan Tahunan Perseroan.
1. Approving the Company’s Annual Report on the state and the course
of business activities of the Company, which contain the Company’s
Financial Statements for the Fiscal Year which ended on December 31st,
2021, including the Management Report on Business Activities of the
Company’s Board of Directors and Supervisory Report of the Board of
Commissioners;
2. Ratifying the Annual Financial Statements of the Company for the Fiscal
Year which ended on December 31st, 2021 audited by the accounting firm
Amir Abadi Jusuf, Aryanto, Mawar & Partners with an unqualified opinion
as stated in its report No: 00317/2.1030/AU.1/07/1298-3/1/IV/2022 dated
11th, 2022 which already includes Statements of Financial Position and
Statement of Comprehensive Income for the year which ended on
December 31st, 2021; and
3. Fully Released and Discharged to all members of the Board of Directors
and Board of Commissioners the responsibility for actions taken on
management and supervision which have been executed for the Fiscal
Year which ended on December 31st, 2021 (acquit et de charge), as
long as their actions are reflected in the Company’s Annual Report and
Annual Financial Report.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 167
Page 170
TATA KELOLA PERUSAHAAN
Corporate Governance
RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
Hasil Pemungutan Suara | Voting Results:
Setuju : 3.286.652.725 saham atau 100% dari pemegang saham yang hadir
Affirmative Votes 3,286,652,725 shares or 100% of the shareholders were present
Tidak Setuju : Nihil
Disapproving Votes None
Abstain : 432.200
Abstain:
Agenda 2
2 Penetapan Penggunaan Laba Rugi Menyetujui bahwa Perseroan tidak membagikan dividen dan dari seluruh
Perseroan untuk Tahun Buku yang laba bersih Perseroan sebesar Rp64.185.744.453,- (enam puluh empat
berakhir pada tanggal 31 Desember miliar seratus delapan puluh lima juta tujuh ratus empat puluh empat ribu
2021. empat ratus lima puluh tiga rupiah), disisihkan sebesar Rp5.000.000.000,-
(lima miliar Rupiah) sebagai dana cadangan dan sisanya akan dibukukan
Approval for allocation of the Company’s sebagai laba ditahan untuk memperkuat modal Perseroan.
net profit/loss for the financial year
ended on 31 December 2021; Approving that the Company does not distribute any dividends and of the
Net Income of the Company amounted to Rp64,185,744,453,- (sixty-four
billion one hundred and eighty-five million seven hundred and forty-four
thousand four hundred and fifty-three Rupiah), the Company is to set aside
Rp5,000,000,000.00 (five billion rupiah) as a reserve fund and the remaining
amount will be recorded as retained earnings to strengthen the Company’s
Capital.
Hasil Pemungutan Suara | Voting Results:
Setuju : 3.286.652.725 saham atau 100% dari pemegang saham yang hadir
Affirmative Votes 3,286,652,725 shares or 100% of the shareholders were present
Tidak Setuju : Nihil
Disapproving Votes None
Abstain : 432.200
Abstain
Agenda 3
3 Penunjukan Akuntan Publik yang Mendelegasikan wewenang kepada Dewan Komisaris Perseroan untuk
akan memberikan jasa audit atas menunjuk Kantor Akuntan Publik Independen yang akan mengaudit
informasi keuangan historis untuk Laporan Keuangan Perseroan untuk tahun buku yang berakhir pada
tahun buku yang berakhir pada tanggal tanggal 31 Desember 2022 dengan kriteria bahwa Kantor Akuntan Publik
31 Desember 2022 dan penetapan Independen yang ditunjuk telah terdaftar di Otoritas Jasa Keuangan sesuai
jumlah honorarium Akuntan Publik ketentuan yang berlaku dan memiliki reputasi yang baik; dan menetapkan
yang akan ditunjuk tersebut berikut honorarium serta persyaratan-persyaratan lain sehubungan dengan
persyaratan lainnya sehubungan penunjukan akuntan publik tersebut dengan memperhatikan rekomendasi
dengan penunjukan tersebut. Komite Audit Perseroan.
Appointment of the Company’s Delegating authority to the Board of Commissioners to appoint the
Public Accountant Office to perform Independent Public Accountant to audit the Company’s Financial
audit of the financial report of The Statements for the fiscal year ended December 31st, 2022 with the criteria
Company for the financial year ended that the Independent Public Accountant appointed has been registered in
on December 31st, 2022 and the the Financial Services Authority according to regulations and has a good
determination of the honorarium of reputation; and to determine the honorarium and other requirements
the appointed Public Accountant along regarding to the appointment of the public accountant with regard to the
with other requirements relating to the recommendation of the Audit Committee.
appointment.
168 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
Hasil Pemungutan Suara | Voting Results:
Setuju : 3.286.511.525 saham atau 99.996% dari pemegang saham yang hadir
Affirmative Votes 3,286,511,525 shares or 99,996% of the shareholders were present
Tidak Setuju : 4.427.000
Disapproving Votes
Abstain : 432.200
Abstain
Agenda 4
4 Perubahan dan/atau penegasan 1. Menegaskan kembali susunan anggota Direksi, anggota Dewan
susunan anggota Dewan Komisaris dan Komisaris dan Komisaris Independen Perseroan dengan susunan
Direksi Perseroan termasuk Komisaris sebagai berikut:
Independen Perseroan serta penentuan a. Dewan Komisaris
gaji atau honorarium atau remunerasi • Komisaris Utama/Independen: Prof. Adrianus Mooy, M.Sc., Ph. D
lainnya bagi anggota Dewan Komisaris • Komisaris Independen: Dewi Pandamsari (Dewi Pandansari),
dan Direksi. SH
• Komisaris Independen: Tjindrasa Ng
Changes and/or affirmation of b. Direksi
the composition of the Board of • Direktur Utama: Suhaimin Djohan
Commissioners and Board of • Direktur: Januar Angkawidjaja
Directors of the Company including • Direktur: Hendra Kurniawan
the Independent Commissioner of • Direktur: Andrian Meirawan Saputra
the Company and the determination 2. Melimpahkan wewenang kepada Dewan Komisaris Perseroan untuk
of salary or honorarium or other menetapkan (i) pembagian tugas dan tanggung jawab bagi anggota
remuneration for members of the Direksi, (ii) gaji atau honorarium dan/ atau tunjangan lainnya bagi
Board of Commissioners and Board of anggota Direksi, (iii), gaji atau honorarium dan/ atau tunjangan lainnya
Directors of the Company. bagi Dewan Komisaris dengan mempertimbangkan rekomendasi
Komite Remunerasi dan Nominasi.
3. Memberikan kuasa kepada Direksi Perseroan dengan hak
substitusi untuk melakukan segala tindakan sehubungan dengan
penegasan susunan Pengurus Perseroan tersebut, mengajukan
serta menandatangani semua permohonan dan dokumen lainnya
yang diperlukan sesuai dengan peraturan dan perundang-undangan
yang berlaku, termasuk namun tidak terbatas untuk menyatakannya
dalam satu akta Notaris yang terpisah, memohon persetujuan dan/
atau memberitahukan perubahan susunan pengurus tersebut
kepada Menteri Hukum dan Hak Asasi Manusia Republik Indonesia
dan mendaftarkannya dalam Daftar Perusahaan; serta memohon
persetujuan dan/atau melakukan pelaporan kepada Otoritas Jasa
Keuangan, Bank Indonesia dan/atau instansi terkait lainnya bilamana
diperlukan, hingga disetujuinya permohonan tersebut, tanpa ada yang
dikecualikan.
1. Reaffirming the composition of the members of the Board of
Directors, members of the Board of Commissioners and Independent
Commissioners of the Company with the following composition:
a. Board of Commissioners
• President Commissioner/ Independent: Prof. Dr. Adrianus Mooy
MSc, PhD
• Independent Commissioner: Dewi Pandamsari (Dewi
Pandansari), SH
• Independent Commissioner: Tjindrasa Ng
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 169
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TATA KELOLA PERUSAHAAN
Corporate Governance
RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
Agenda 4
b. Board of Directors
• President Director: Suhaimin Djohan
• Director: Januar Angkawidjaja
• Director: Hendra Kurniawan
• Director: Andrian Meirawan Saputra
2. Granting the authority to the Board of Commissioners to determine (i)
the division of duties and responsibilities of the Board of Directors, (ii) the
rewards or honorarium and / or other benefits for members of the Board
of Directors, (iii) the rewards or honorarium and / or other benefits for
the Board of Commissioners with regard to the recommendation of the
Remuneration and Nomination Committee.
3. Granting power of attorney to the Board of Directors of the Company
with substitution rights to take all actions related to the affirmation in
the composition of the Company’s Management, submit and sign all
applications and other documents required in accordance with the
applicable laws and regulations, including but not limited to stating them
in a single separate Notary deed, requesting approval and/or notifying
the affirmation in the composition of the management to the Minister of
Law and Human Rights of the Republic of Indonesia and registering it in
the Company Register; as well as requesting approval and/or reporting
to the Financial Services Authority, Bank Indonesia and/or other relevant
agencies if necessary, until the application is approved, without any
exceptions.
Hasil Pemungutan Suara | Voting Results:
Setuju : 3.286.652.725 saham atau 100% dari pemegang saham yang hadir
Affirmative Votes 3,286,652,725 shares or 100% of the shareholders were present
Tidak Setuju : 4.427.000
Disapproving Votes
Abstain : 432.200
Abstain
Agenda 5
5 Laporan realisasi penggunaan dana Menerima laporan pertanggungjawaban realisasi penggunaan dana hasil
hasil Penawaran Umum Terbatas Penawaran Umum Terbatas dalam rangka Penambahan Modal dengan
Perseroan. Hak Memesan Efek Terlebih Dahulu yang telah dilaksanakan pada tahun
2021.
Report on the realization of the use of
proceeds from the Company’s Limited Accepting the accountability report on the realization of the use of proceeds
Public Offering. from the Limited Public Offering in the context of Capital Increase with Pre-
emptive Rights which has been implemented in 2021.
Hasil Pemungutan Suara | Voting Results:
Setuju : 3.286.652.725 saham atau 100% dari pemegang saham yang hadir
Affirmative Votes 3,286,652,725 shares or 100% of the shareholders were present
Tidak Setuju : Nihil
Disapproving Votes None
Abstain : 432.200
Abstain
170 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
HASIL & REALISASI RAPAT UMUM RESULTS & REALISATION OF THE
PEMEGANG SAHAM LUAR BIASA 2022 EXTRAORDINARY MEETING OF
SHAREHOLDERS 2022
No. Agenda Keputusan I Resolution
1 Persetujuan penyesuaian Pasal 3 1. Menyetujui mengubah Pasal 3 Anggaran Dasar Perseroan sebagaimana
Anggaran Dasar Perseroan dalam diusulkan, dalam rangka menyesuaikan dengan Peraturan Badan Pusat
rangka penyesuaian dengan Statistik Nomor 2 Tahun 2020 Tentang Klasifikasi Baku Lapangan Usaha
Peraturan Kepala Badan Pusat Indonesia. Dan karenanya dengan perubahan tersebut maka Pasal 3
Statistik No. 2 Tahun 2020 tentang Anggaran Dasar Perseroan akan menjadi seperti sebagaimana yang
Klasifikasi Baku Lapangan Usaha disampaikan.
Indonesia; 2. Memberikan persetujuan, wewenang dan/atau kuasa kepada Direksi
Perseroan dengan hak substitusi untuk melakukan segala tindakan
Approval of the amendment to yang diperlukan dan/atau disyaratkan sehubungan dengan pengubahan
Article 3 of the Company’s Articles Anggaran Dasar Perseroan tersebut di atas termasuk tetapi tidak terbatas
of Association in order to comply untuk menentukan perubahan dalam ketentuan-ketentuan di dalam
with the Head of the Central Bureau pasal-pasal anggaran dasar Perseroan sehubungan dengan penyesuaian
of Statistics Regulation No. 2 of dengan Peraturan Badan Pusat Statistik Nomor 2 Tahun 2020 Tentang
2020 concerning the Indonesian Klasifikasi Baku Lapangan Usaha Indonesia dan menyatakan kembali
Standard Industrial Classification; keputusan-keputusan dalam Rapat ini, baik sebagian maupun seluruhnya
dalam bentuk akta notaris, menghadap di hadapan notaris, mengajukan
serta menandatangani semua permohonan dan dokumen lainnya yang
diperlukan sesuai dengan peraturan dan perundang-undangan yang
berlaku, termasuk kepada Menteri Hukum dan Hak Asasi Manusia Republik
Indonesia terkait dengan pengubahan Anggaran Dasar Perseroan hingga
diterimanya permohonan tersebut, tanpa ada yang dikecualikan.
1. Approve the amendment to Article 3 of the Company’s Articles of
Association as proposed, in order to conform to the Regulation of the
Central Bureau of Statistics Number 2 of 2020 on the Indonesian Standard
Industrial Classification. And therefore, with these changes, Article 3 of the
Company’s Articles of Association will become as submitted.
2. To grant approval, authority and/or power to the Board of Directors of the
Company with the right of substitution to take all necessary and/or required
actions in connection with the aforementioned amendments to the
Company’s Articles of Association, including but not limited to determining
changes in the provisions in the articles of association of the Company in
connection with adjustments to the Central Statistics Agency Regulation
Number 2 of 2020 concerning the Indonesian Standard Industrial
Classification and restating the resolutions of this Meeting, either partially
or wholly in the form of a notarial deed, appear before a notary, submit and
sign all applications and other documents required in accordance with
the prevailing laws and regulations, including to the Minister of Law and
Human Rights of the Republic of Indonesia related to the amendment of
the Company’s Articles of Association until the receipt of the application,
without any exception.
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RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
No. Agenda Keputusan I Resolution
2 Persetujuan rencana Perseroan Menyetujui rencana Perseroan untuk melakukan Penawaran Umum Terbatas
untuk melakukan Penawaran dalam rangka Penambahan Modal Dengan Memberikan Hak Memesan Efek
Umum Terbatas dalam rangka Terlebih Dahulu (“PMHMETD”) II termasuk:
Penambahan Modal Dengan 1. Menyetujui Perubahan Pasal 4 ayat 2 Anggaran Dasar Perseroan
Memberikan Hak Memesan Efek sehubungan dengan peningkatan modal ditempatkan dan disetor
Terlebih Dahulu (“PMHMETD II”) Perseroan, dengan mengeluarkan saham baru dalam rangka PMHMETD II,
termasuk: untuk jumlah sebanyak-banyaknya 681.819.174 (enam ratus delapan puluh
a. Persetujuan Perubahan Pasal satu juta delapan ratus sembilan belas ribu seratus tujuh puluh empat)
4 ayat 2 Anggaran Dasar saham baru Perseroan dengan nilai nominal Rp100 (seratus rupiah) per
Perseroan sehubungan saham, dimana penggunaan dana hasil PMHMETD II Perseroan tersebut
dengan peningkatan modal akan digunakan untuk
ditempatkan dan disetor a. Untuk Modal Kerja Perseroan berupa penyaluran kredit kepada
Perseroan dalam rangka nasabah, dengan nilai sebesar Rp35.000.000.000 (tiga puluh lima
Penawaran Umum Terbatas miliar Rupiah); dan
dalam rangka Penambahan b. Untuk pembelian Aset yang dimiliki oleh LPLI berupa Gedung Graha
Modal Dengan Memberikan Lippo, Jl. Boulevard Diponegoro No.101 Curug Neglasari Tangerang
Hak Memesan Efek Terlebih Banten, Kelurahan Kelapa Dua, Kecamatan Kelapa Dua, Kabupaten
Dahulu (PMHMETD II); Tangerang, Banten, sebagaimana diuraikan dalam:
b. Persetujuan kepada Perseroan i. Sertipikat Hak Guna Bangunan Nomor 07432/Kelapa Dua, seluas
terkait dengan rencana 3.695 M2 diuraikan dalam Surat Ukur tertanggal 30 Juli 2012
inbreng sehubungan dengan Nomor 547/Kelapa Dua/2012, yang dilekatkan pada Sertipikat Hak
PMHMETD II apabila terdapat Guna Bangunan tersebut yang dikeluarkan oleh Kepala Kantor
sisa saham yang tidak diambil Pertanahan Kabupaten Tangerang tertanggal 17 September 2012
oleh Pemegang HMETD, maka terdaftar atas nama PT. Star Pacific, Tbk. (Berkedudukan di Kota
sisa saham dimaksud akan Tangerang)
diambil oleh PT Star Pacific ii. Sertipikat Hak Guna Bangunan Nomor 2843/Kelapa Dua, seluas
Tbk dalam kapasitasnya 2.062 M2 diuraikan dalam Gambar Situasi tertanggal 22 Februari
selaku Pembeli Siaga pada 1997 Nomor 4614/1997, yang dilekatkan pada Sertipikat Hak
PMHMETD II Perseroan, dan Guna Bangunan tersebut yang dikeluarkan oleh Kepala Kantor
menyetujui sisa saham yang Pertanahan Kabupaten Tangerang tertanggal 31 Maret 1997
diambil bagian oleh Pembeli terdaftar atas nama PT. Star Pacific, Tbk. (Berkedudukan di Kota
Siaga penyetorannya dilakukan Tangerang); dengan nilai sebesar Rp368.000.000.000 (tiga ratus
dengan cara pemasukan ke enam puluh delapan miliar Rupiah).
dalam perusahaan (inbreng) 2. Menyetujui rencana inbreng dan PMHMETD II, apabila terdapat sisa
atas Aset Gedung Graha saham baru yang tidak diambil oleh Pemegang HMETD (“Sisa Saham
Lippo, Jl. Boulevard Diponegoro Baru”), maka Sisa Saham Baru dimaksud akan diambil oleh PT Star Pacific
No. 101, Lippo Village, Kelapa Tbk (LPLI) dalam kapasitasnya selaku Pembeli Siaga pada PMHMETD II
Dua, Tangerang, Banten milik Perseroan, dan menyetujui sisa saham yang diambil bagian oleh Pembeli
Pembeli Siaga akan tetapi Siaga penyetorannya dilakukan dengan cara pemasukan ke dalam
untuk jumlah/nilai yang perusahaan (inbreng) Aset berupa Gedung Graha Lippo, Jl. Boulevard
seimbang (proporsional) Diponegoro No. 101, Lippo Village, Kelapa Dua, Tangerang, Banten milik
dengan nilai/harga sisa saham Pembeli Siaga, dengan nilai Sisa Saham Baru sampai dengan sebanyak-
yang diambil bagian oleh banyaknya senilai Aset PT Star Pacific Tbk. Sementara selisih harga Aset
Pembeli Siaga; dan yang belum terbayarkan melalui inbreng akan dibayarkan Perseroan
secara tunai, dengan menggunakan hasil PMHMETD II.
3. Memberikan kuasa dan wewenang kepada Direksi Perseroan dengan hak
substitusi untuk melaksanakan segala tindakan yang diperlukan berkaitan
dengan PMHMETD II, termasuk namun tidak terbatas pada:
a. Menentukan kepastian jumlah saham yang dikeluarkan dan harga
pelaksanaan Penambahan Modal dengan memberikan Hak Memesan
Efek Terlebih Dahulu dengan persetujuan Dewan Komisaris;
b. Menentukan tanggal Daftar Pemegang Saham yang berhak atas Hak
Memesan Efek Terlebih Dahulu;
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RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
No. Agenda Keputusan I Resolution
c. Pemberian kuasa dan c. Menentukan jadwal Penambahan Modal dengan memberikan Hak
wewenang kepada Direksi Memesan Efek Terlebih Dahulu;
Perseroan dengan hak d. Menentukan rasio pemegang saham yang berhak atas Hak Memesan
substitusi untuk melaksanakan Efek Terlebih Dahulu;
segala tindakan yang e. Menentukan penggunaan dana hasil Penambahan Modal dengan
diperlukan berkaitan dengan memberikan Hak Memesan Efek Terlebih Dahulu;
PMHMETD II, termasuk namun f. Menentukan ada atau tidak adanya Pembeli Siaga, serta menetapkan
tidak terbatas pada membuat dan menegosiasikan syarat dan ketentuan perjanjian antara Perseroan
atau meminta dibuatkan dengan Pembeli Siaga;
segala akta-akta, surat-surat, g. Menghadap kepada pihak/pejabat yang berwenang termasuk notaris,
maupun dokumen-dokumen mengajukan permohonan kepada pihak/pejabat yang berwenang
yang diperlukan, hadir di untuk memperoleh persetujuan atau melaporkan hal tersebut kepada
hadapan pihak/pejabat yang pihak/pejabat yang berwenang;
berwenang termasuk notaris, h. Mempersiapkan, membuat, meminta untuk dibuatkan,
mengajukan permohonan menandatangani, dan mengajukan, menyampaikan setiap atau
kepada pihak/pejabat yang seluruh dokumen - dokumen dan/atau surat, laporan, permohonan,
berwenang untuk memperoleh pernyataan pendaftaran, pemberitahuan, pernyataan-pernyataan,
persetujuan atau melaporkan akta, persetujuan, perjanjian-perjanjian (selanjutnya disebut
hal tersebut kepada pihak/ “Dokumen” terkait PMHMETD Perseroan), termasuk namun tidak
pejabat yang berwenang serta terbatas pada:
mendaftarkannya dalam i. segala Dokumen yang dibutuhkan untuk mengajukan Pernyataan
daftar perseroan sebagaimana Pendaftaran dalam rangka PMHMETD II Perseroan kepada
dimaksud dalam peraturan Otoritas Jasa Keuangan (“OJK”);
perundangan yang berlaku; ii. segala Dokumen yang dibutuhkan untuk mengajukan permohonan
dan memberikan kuasa dan pencatatan saham tambahan terkait dengan PMHMETD II
wewenang kepada Dewan Perseroan kepada PT Bursa Efek Indonesia (“Bursa”), kecuali atas
Komisaris Perseroan guna 1% (satu persen) saham yang tidak dicatatkan pada Bursa;
menyatakan realisasi jumlah iii. segala Dokumen yang dibutuhkan untuk mengajukan permohonan
saham yang akan dikeluarkan pendaftaran saham tambahan terkait dengan PMHMETD II
sehubungan peningkatan Perseroan kepada PT Kustodian Sentral Efek Indonesia (“KSEI”);
modal ditempatkan dan disetor dan
setelah PMHMETD II selesai iv. segala Dokumen yang diperlukan terkait dengan rencana
dilaksanakan. PMHMETD Perseroan.
i. Menegaskan dan atau menyatakan kembali dalam 1 (satu) atau
lebih keputusan dalam Rapat ini, baik sebagian maupun seluruhnya,
dalam pada 1 (satu) atau lebih akta Notaris tersendiri; dan selanjutnya,
menyampaikan pemberitahuan atas perubahan Pasal 4 ayat (2)
Anggaran Dasar Perseroan kepada Menteri Hukum dan Hak Asasi
Manusia Republik Indonesia untuk memperoleh Surat Penerimaan
Pemberitahuan Perubahan Anggaran Dasar Perseroan, penegasan
kembali susunan pemegang saham perseroan di atas 5 % (lima
persen) dengan kedudukan PMI sebagai PSP Perseroan dan DR
James Tjahaja Riady sebagai Ultimate Shareholder Perseroan yang
telah mendapatkan persetujuan dari Otoritas Jasa Keuangan; serta
membuat perubahan dan/atau tambahan yang diperlukan untuk
maksud tersebut; dan
j. Secara umum untuk melakukan setiap dan seluruh tindakan dan hal-
hal yang dianggap perlu, pantas dan/atau menguntungkan Perseroan
untuk melaksanakan secara penuh setiap atau seluruh Rapat ini.
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TATA KELOLA PERUSAHAAN
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RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
No. Agenda Keputusan I Resolution
Approval of the Company’s plan to 4. Serta pemberian kewenangan kepada Dewan Komisaris Perseroan,
conduct a Limited Public Offering to termasuk namun tidak terbatas untuk:
Increase Capital with Pre-emptive a. Menyatakan realisasi jumlah saham yang telah dikeluarkan
Rights (“PMHMETD II”) including: sehubungan dengan peningkatan modal ditempatkan dan disetor
a. Approval of the Amendment setelah Penambahan Modal dengan memberikan Hak Memesan
to Article 4 paragraph 2 of Efek Terlebih Dahulu selesai dilaksanakan termasuk menyatakan
the Company’s Articles of kembali susunan pemegang saham di atas 5% setelah PMHMETD II.
Association related to the Selanjutnya, menyampaikan pemberitahuan atas perubahan Pasal
increase in the Company’s 4 ayat (2) Anggaran Dasar Perseroan kepada Menteri Hukum dan
issued and paid-up capital Hak Asasi Manusia Republik Indonesia untuk memperoleh Surat
in the Limited Public Offering Penerimaan Pemberitahuan Perubahan Anggaran Dasar Perseroan,
in the framework of Capital serta membuat perubahan dan/atau tambahan yang diperlukan
Increase with Pre-emptive untuk maksud tersebut; dan
Rights (PMHMETD II); b. Menandatangani, mencetak, menerbitkan dan/atau mengajukan
b. Approval to the Company dokumen yang diperlukan sehubungan dengan realisasi jumlah
related to the inbreng plan in saham yang telah dikeluarkan tersebut di atas sesuai ketentuan
connection with PMHMETD II, hukum yang berlaku.
if there are remaining shares
that are not taken by the Pre- Approved the Company’s plan to conduct a Limited Public Offering to Increase
emptive Rights Holders, the Capital with Pre-emptive Rights (“PMHMETD”) II including:
remaining shares will be taken 1. Approved the Amendment to Article 4 paragraph 2 of the Company’s
by PT Star Pacific Tbk in its Articles of Association in relation to the increase of issued and paid-
capacity as a Standby Buyer up capital of the Company, by issuing new shares in the framework of
in the Company’s PMHMETD PMHMETD II, for a maximum amount of 681,819,174 (six hundred eighty
II, and approve the remaining one million eight hundred nineteen thousand one hundred seventy four)
shares taken by the Standby new shares of the Company with a nominal value of Rp100 (one hundred
Buyer to be deposited by way rupiah) per share, where the use of proceeds from PMHMETD II of the
of inclusion into the company Company will be used for:
(inbreng) of Graha Lippo a. For the Company’s Working Capital in the form of lending to customers,
Building Assets, Jl. Boulevard with a value of Rp35,000,000,000 (thirty-five billion Rupiah); and
Diponegoro No. 101, Lippo b. For the purchase of Assets owned by LPLI in the form of Graha Lippo
Village, Kelapa Dua, Tangerang, Building, Jl. Boulevard Diponegoro No.101 Curug Neglasari Tangerang
Banten owned by the Standby Banten, Kelapa Dua Village, Kelapa Dua District, Tangerang Regency,
Buyer but for an amount/value Banten, as described in:
that is equal (proportional) i. Building Rights Title Certificate Number 07432/Kelapa Dua,
to the value/price of the covering an area of 3,695 M2 as described in the Measurement
remaining shares subscribed Letter dated 30 July 2012 Number 547/Kelapa Dua/2012, which
by the Standby Buyer; and is attached to the said Building Rights Title Certificate issued by
the Head of Tangerang Regency Land Office dated 17 September
2012 registered in the name of PT Star Pacific, Tbk. (domiciled in
Tangerang City)
ii. Building Rights Title Certificate Number 2843/Kelapa Dua,
covering an area of 2,062 M2 as described in the Situation Drawing
dated 22 February 1997 Number 4614/1997, attached to the said
Building Rights Title Certificate issued by the Head of Tangerang
District Land Office dated 31 March 1997 registered under the name
of PT Star Pacific, Tbk. (domiciled in Tangerang City); with a value of
Rp368,000,000,000 (three hundred sixty-eight billion Rupiah).
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RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
No. Agenda Keputusan I Resolution
c. Granting power and authority 2. Approved the plan of inbreng and PMHMETD II, if there are remaining new
to the Board of Directors of shares that are not taken by the Pre-emptive Rights Holders (“Remaining
the Company with the right New Shares”), the Remaining New Shares will be taken by PT Star Pacific
of substitution to carry out all Tbk (LPLI) in its capacity as the Standby Buyer in PMHMETD II of the
necessary actions related to Company, and approved the remaining shares taken by the Standby Buyer
PMHMETD II, including but not to be deposited by way of inclusion into the company (inbreng) Assets in
limited to making or requesting the form of Graha Lippo Building, Jl. Boulevard Diponegoro No. 101, Lippo
all deeds, letters, and Village, Kelapa Dua, Tangerang, Banten owned by the Standby Buyer, with
documents required, appearing the value of the remaining New Shares up to a maximum of the value of
before authorized parties/ the Assets of PT Star Pacific Tbk. Meanwhile, the difference in the price
officials including notaries, of Assets that have not been paid through inbreng will be paid by the
submitting applications to Company in cash, using the proceeds of PMHMETD II.
authorized parties/officials to 3. Granted power and authority to the Board of Directors of the Company
obtain approval or reporting the with the right of substitution to carry out all necessary actions related to
matter to authorized parties/ PMHMETD II, including but not limited to:
officials and registering it in the a. Determine the certainty of the number of shares issued and the
company register as referred implementation price of the Capital Increase by granting Pre-emptive
to in the applicable laws and Rights with the approval of the Board of Commissioners;
regulations; and granting power b. Determining the date of the Register of Shareholders entitled to Pre-
and authority to the Company’s emptive Rights;
Board of Commissioners c. Determining the schedule of the Capital Increase by granting Pre-
to declare the realization of emptive Rights;
the number of shares to be d. Determining the ratio of shareholders entitled to the Pre-emptive
issued in connection with the Rights;
increase in issued and paid- e. Determining the use of proceeds from the Capital Increase with Pre-
up capital after PMHMETD II is emptive Rights;
completed. f. Determine whether there is a Standby Buyer, as well as determine and
negotiate the terms and conditions of the agreement between the
Company and the Standby Buyer;
g. Appear before authorized parties/officials including notaries, submit
applications to authorized parties/officials to obtain approval or report
such matters to authorized parties/officials;
h. Prepare, make, request to be made, sign, and file, submit any or
all documents and/or letters, reports, applications, registration
statements, notifications, statements, deeds, agreements, agreements
(hereinafter referred to as “Documents” related to the Company’s
PMHMETD), including but not limited to:
i. all Documents required to file a Registration Statement in the
context of the Company’s PMHMETD II to the Financial Services
Authority (“OJK”);
ii. all Documents required to apply for the listing of additional shares
related to the Company’s PMHMETD II to PT Bursa Efek Indonesia
(“Bursa”), except for 1% (one per cent) of shares that are not listed
on Bursa;
iii. all Documents required to apply for the registration of additional
shares related to PMHMETD II of the Company to PT Kustodian
Sentral Efek Indonesia (“KSEI”); and
iv. all necessary Documents related to the Company’s PMHMETD
plan.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 175
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TATA KELOLA PERUSAHAAN
Corporate Governance
RAPAT UMUM PEMEGANG SAHAM
General Meeting of Shareholders
No. Agenda Keputusan I Resolution
i. Confirm and or restate in 1 (one) or more resolutions in this Meeting,
either in part or in full, in 1 (one) or more separate Notarial deeds; and
subsequently, submit a notification of the amendment to Article 4
paragraph (2) of the Company’s Articles of Association to the Minister
of Law and Human Rights of the Republic of Indonesia to obtain a Letter
of Acceptance of Notification of Amendment to the Company’s Articles
of Association, reaffirmation of the composition of the Company’s
shareholders above 5% (five per cent) with PMI as the Company’s PSP
and DR James Tjahaja Riady as the Company’s Ultimate Shareholder
who has obtained approval from the Financial Services Authority; and
make necessary amendments and/or additions for such purposes;
and
j. Generally, to undertake all actions and matters deemed necessary,
appropriate and/or favorable to the Company to fully implement any or
all these Meetings.
4. As well as granting authority to the Company’s Board of Commissioners,
including but not limited to:
a. Declare the realization of the number of shares issued in connection
with the increase in issued and paid-up capital after the Capital
Increase with Pre-emptive Rights has been completed, including
restating the composition of shareholders above 5% after PMHMETD
II. Furthermore, to submit notification of the amendment to Article 4
paragraph (2) of the Company’s Articles of Association to the Minister
of Law and Human Rights of the Republic of Indonesia to obtain a
Letter of Acceptance of Notification of Amendment to the Company’s
Articles of Association, as well as to make necessary amendments
and/or additions for such purpose; and
b. Sign, print, issue and/or file the necessary documents in relation to the
realization of the number of shares issued above in accordance with
applicable laws.
176 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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DEWAN KOMISARIS
Board of Commissioners
Dewan Komisaris memiliki tugas dan tanggung The Board of Commissioners has duties and
jawab yang berfungsi melakukan pengawasan dan responsibilities to supervise and provide advice to the
pemberian nasihat kepada Direksi serta memastikan Board of Directors and ensure that the Company’s
kegiatan usaha Perusahaan yang dijalankan sesuai business activities are carried out in accordance with
dengan peraturan yang berlaku dan prinsip-prinsip applicable regulations and the principles of good
tata kelola perusahaan yang baik. corporate governance.
JUMLAH, KOMPOSISI, DAN KRITERIA [GRI 2-10, 2-11] STRUCTURE, COMPOSITION AND CRITERIA
[GRI 2-10, 2-11]
Dewan Komisaris mempunyai kewajiban untuk The Board of Commissioners has the obligation to
menjalankan pengawasan serta memberikan saran carry out supervision and provide advice on matters
atas hal-hal yang berhubungan dengan pelaksanaan relating to the implementation of the duties and
tugas dan fungsi Direksi. Dalam melaksanakan tugas functions of the Board of Directors. In carrying out its
dan fungsinya maka Dewan Komisaris harus bersikap duties and functions, the Board of Commissioners
dan bertindak independen. must behave and act independently.
Berdasarkan Rapat Umum Pemegang Saham Based on the Annual General Meeting of Shareholders
Tahunan tanggal 15 Juni 2023 maka Pemegang dated 15 June 2023, the Shareholders have approved
Saham telah menyetujui dan menegaskan susunan and confirmed the composition of the members
anggota Direksi, anggota Dewan Komisaris dan of the Board of Directors, members of the Board of
Komisaris Independen Perseroan. Hal ini sesuai Commissioners and Independent Commissioners
dengan Akta Nomor 15, tentang: Pernyataan of the Company. This is in accordance with Deed
Keputusan Rapat Umum Pemegang Saham Tahunan Number 15, concerning: Statement of Resolutions of
PT Bank Nationalnobu Tbk, tertanggal 15 Juni 2023. the Annual General Meeting of Shareholders of PT
Bank Nationalnobu Tbk, dated June 15, 2023.
Perseroan telah menerapkan ketentuan mengenai The Company has implemented the provisions
penerapan tata kelola yang menyatakan bahwa regarding the implementation of governance which
jumlah anggota Dewan Komisaris paling kurang states that the number of members of the Board of
terdiri dari tiga orang dan paling banyak sama dengan Commissioners consists of at least three people and
jumlah Direksi. Paling kurang satu orang anggota at most the same as the number of Directors. At least
Dewan Komisaris harus berdomisili di Indonesia one member of the Board of Commissioners must
dan paling kurang 50% dari jumlah anggota Dewan be domiciled in Indonesia and at least 50% of the
Komisaris merupakan Komisaris Independen. members of the Board of Commissioners must be
Independent Commissioners.
Susunan Anggota Dewan Komisaris Perseroan The composition of the Company’s Board of
berdasarkan hasil Rapat Umum Pemegang Saham Commissioners based on the results of the Annual
Tahunan yang telah diselenggarakan pada 15 Juni General Meeting of Shareholders held on 15 June 2023
2023 di Jakarta terdiri dari: in Jakarta consists of:
Nama Jabatan Persetujuan BI/OJK Dasar Pengangkatan Masa Jabatan
Name Position Approval from BI/OJK Appointment Basis Period
Komisaris Utama (Independen)
Prof. Adrianus Mooy, 6 Maret 2011 RUPST 15 June 2023
President Commissioner 2023 - 2025
M.Sc., Ph.D. 6 March 2011 AGMS 15 June 2023
(Independent)
Komisaris (Independen) 17 Februari 2017 RUPST 15 June 2023
Dewi Pandamsari 2023 - 2025
Commissioner (Independent) 17 February 2017 AGMS 15 June 2023
Komisaris (Independen) 17 Februari 2017 RUPST 15 June 2023
Tjindrasa Ng 2023 - 2025
Commissioner (Independent) 17 February 2017 AGMS 15 June 2023
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 177
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TATA KELOLA PERUSAHAAN
Corporate Governance
DEWAN KOMISARIS
Board of Commissioners
MASA JABATAN DEWAN KOMISARIS BOARD OF COMMISSIONERS TENURE
Masa jabatan Dewan Komisaris dimulai sejak tanggal The term of office for the Board of Commissioners
RUPS mengangkat Direksi tersebut untuk jangka begins from the date the GMS appoints the Board
waktu sesuai yang ditetapkan dalam Anggaran Dasar of Directors for a period specified in the Articles of
sampai ditutupnya RUPST yang ke-3 (tiga) setelah Association until the closure of the 3rd (third) Annual
tanggal pengangkatannya tersebut dengan tidak GMS after the date of their appointment, without
mengurangi hak RUPS untuk memberhentikan para prejudice to the right of the GMS to dismiss the
anggota Direksi sewaktu-waktu. members of the Board of Directors at any time.
INDEPENDENSI DEWAN KOMISARIS INDEPENDENCE OF THE BOARD OF
COMMISSIONERS
Dewan Komisaris Perseroan tidak memiliki No member of the Company’s Board of
hubungan keluarga, hubungan keuangan, hubungan Commissioners has any family, financial, managerial
kepengurusan, maupun hubungan kepemilikan or share ownership relation-ships with other members
saham dengan anggota Dewan Komisaris lain of the Board of Commissioners, including members of
termasuk dengan anggota Direksi, sebagaimana the Board of Directors as detailed below:
penjelasan di bawah ini:
Hubungan keluarga, keuangan, kepengurusan, kepemilikan
Family, financial, managerial, and ownership relationships
Pemegang Saham
Nama Dewan Komisaris Direksi
Pengendali
Name Board of Commissioners Board of Directors
Controlling Shareholders
Ya / Yes Tidak / No Ya / Yes Tidak / No Ya / Yes Tidak / No
Prof. Adrianus Mooy, M.Sc., Ph.D. √ √ √
Dewi Pandamsari √ √ √
Tjindrasa Ng √ √ √
PIAGAM DEWAN KOMISARIS BOARD OF COMMISSIONERS CHARTER
Piagam atau Pedoman Kerja Dewan Komisaris The Board of Commissioners’ Board Charter
merupakan panduan dalam pelaksanaan tugas serves as a guide in the implementation of duties
dan tanggung jawab serta wewenang Dewan and responsibilities and authorities of the Board
Komisaris. Selain itu Piagam Dewan Komisaris juga of Commissioners, as well as to provide direction
sebagai sarana untuk memberikan arahan bagi for the Board of Commissioners in carrying out its
Dewan Komisaris dalam melaksanakan fungsi supervisory functions in accordance with the Articles
pengawasannya menurut Anggaran Dasar dan of Association and applicable regulations. Until
peraturan yang berlaku. Hingga akhir tahun 2023, the end of 2023, the Company has a Board Charter
Perseroan telah memiliki Piagam Dewan Komisaris which has been ratified and approved by the Board of
yang telah disahkan dan disetujui oleh Dewan Commissioners of the Company on December 20th,
Komisaris Perseroan pada tanggal 20 Desember 2023 2023 and remained valid until the end of the reporting
dan masih berlaku hingga akhir tahun pelaporan per year as of December 31, 2023.
31 Desember 2023.
Piagam Dewan Komisaris memuat antara lain, tugas The Board Charter of the Board of Commissioners
dan wewenang Dewan Komisaris, Rapat Dewan contains, among others, the duties and authorities,
Komisaris, nilai-nilai, pelaporan dan tanggung jawab Meetings, values, reporting and responsibilities as well
serta tindakan-tindakan yang dilarang. as prohibited acts.
178 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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DEWAN KOMISARIS
Board of Commissioners
TUGAS DAN TANGGUNG JAWAB DEWAN DUTIES AND RESPONSIBILITIES OF THE BOARD
KOMISARIS [GRI 212, 213, 214] OF COMMISSIONERS [GRI 212, 213, 214]
Selain tertuang dalam Anggaran Dasar Perseroan, In addition to being stipulated in the Company’s
tugas dan tanggung jawab Dewan Komisaris terkait Articles of Association, the duties and responsibilities
dengan pelaksanaan tata kelola meliputi: of the Board of Commissioners related to the
implementation of governance include:
• Melakukan pengawasan untuk kepentingan Bank • Supervise for the benefit of the Bank over the
atas kebijakan dan jalannya pengurusan oleh policies and course of management by the
Direksi, memberikan nasihat kepada Direksi dan Board of Directors, provide advice to the Board of
bertanggung jawab atas pengawasan tersebut. Directors and be responsible for such supervision.
• Melaksanakan tugas, tanggung jawab dan • Carry out duties, responsibilities and authorities in
wewenang dengan itikad baik dan dengan prinsip good faith and with prudential principles.
kehati-hatian.
• Mengarahkan, memantau dan mengevaluasi • Direct, monitor and evaluate the implementation
pelaksanaan tata kelola, manajemen risiko dan of integrated governance, risk management and
kepatuhan secara terintegrasi serta kebijakan compliance as well as the Bank’s strategic policies,
strategis Bank, sesuai dengan ketentuan in accordance with the provisions of laws and
peraturan perundang-undangan, anggaran dasar, regulations, articles of association, and/or GMS
dan/atau keputusan RUPS. resolutions.
• Menerima dan melaksanakan kewenangan yang • Receive and exercise the authority delegated
diserahkan dan/atau diberikan kepada Dewan and/or granted to the Board of Commissioners
Komisaris sesuai dengan ketentuan peraturan in accordance with the provisions of laws and
perundang-undangan, anggaran dasar, dan/atau regulations, articles of association, and/or GMS
keputusan RUPS. resolutions.
• Dapat melaksanakan tugas dan kewenangan • May carry out other supervisory duties and
pengawasan lain. authorities.
• Melaksanakan pengawasan terhadap tindak • Supervise the Board of Directors’ follow-up on audit
lanjut Direksi atas temuan audit atau pemeriksaan or examination findings and recommendations
dan rekomendasi dari satuan kerja audit intern, from the internal audit work unit, external audit,
audit ekstern, hasil pengawasan Otoritas Jasa supervision results of the Financial Services
Keuangan dan pengawasan otoritas lembaga lain. Authority and supervision of other institutional
authorities.
• Tidak terlibat dalam pengambilan keputusan • Not involved in decision-making of the Company’s
aktivitas operasional Perseroan, kecuali dalam hal operational activities, except in terms of providing
penyediaan dana kepada pihak terkait dan hal- funds to related parties and other matters
hal lain yang ditetapkan dalam Anggaran Dasar stipulated in the Company’s Articles of Association
Perseroan dan/atau peraturan perundangan and/or applicable laws and regulations in order to
yang berlaku dalam rangka melaksanakan fungsi carry out the supervisory function.
pengawasan.
• Menyediakan waktu untuk melaksanakan tugas • Provide time to optimally carry out duties and
dan tanggung jawab secara optimal responsibilities.
• Menjaga segala data dan informasi terkait Bank • Maintain all data and information related to the
yang disampaikan oleh Direksi Bank submitted by the Board of Directors.
• Dewan Komisaris wajib memberitahukan kepada • The Board of Commissioners must notify OJK no
OJK paling lambat 5 (lima) hari kerja sejak later than 5 (five) working days from the discovery:
ditemukannya:
- Pelanggaran peraturan perundang-undangan - Violation of laws and regulations in the field of
di bidang keuangan dan perbankan. finance and banking.
- Keadaan atau perkiraan keadaan yang - Circumstances or estimates of circumstances
dapat membahayakan kelangsungan usaha that may jeopardize the Company’s business
Perseroan. continuity.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 179
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TATA KELOLA PERUSAHAAN
Corporate Governance
DEWAN KOMISARIS
Board of Commissioners
Sampai dengan akhir Desember 2023, tidak terdapat Until the end of December 2023, there were no
pelanggaran atas peraturan perundang-undangan violations of laws and regulations in the field of finance
di bidang keuangan dan perbankan, dan keadaan and banking, and circumstances or estimates of
atau perkiraan keadaan yang dapat membahayakan circumstances that could jeopardize the Company’s
kelangsungan usaha Perseroan. business continuity.
• Dalam rangka mendukung efektivitas • In order to support the effectiveness of the
pelaksanaan tugas dan tanggung jawabnya, implementation of its duties and responsibilities,
Dewan Komisaris telah membentuk: the Board of Commissioners has established:
- Komite Audit - Audit Committee
- Komite Pemantau Risiko - Risk Monitoring Committee
- Komite Remunerasi dan Nominasi - Remuneration and Nomination Committee
Pengangkatan Anggota Komite di atas telah The appointment of the above Committee
dilakukan oleh Direksi berdasarkan keputusan Members has been made by the Board of
Rapat Dewan Komisaris. Directors based on the decision of the Board of
Commissioners Meeting.
• Dewan Komisaris wajib memastikan bahwa • The Board of Commissioners shall ensure that
Komite yang telah dibentuk diatas, menjalankan the Committees established above perform their
tugasnya secara efektif. duties effectively.
• Dewan Komisaris telah memiliki pedoman dan • The Board of Commissioners has guidelines and
tata tertib kerja yang mencantumkan tugas, work rules that include duties, responsibilities and
tanggung jawab dan wewenang, pengaturan etika authorities, work ethics, meeting arrangements,
kerja, pengaturan rapat, larangan, evaluasi dan prohibitions, evaluations and patterns of working
pola hubungan kerja Dewan Komisaris dan Direksi. relationships between the Board of Commissioners
and the Board of Directors.
PENGAWASAN AKTIF DEWAN KOMISARIS ACTIVE SUPERVISION OF THE BOARD OF
COMMISSIONERS
Selama tahun 2023 kegiatan pengawasan aktif During 2023 the active supervision activities of the
Dewan Komisaris telah dilaksanakan sesuai dengan Board of Commissioners have been carried out in
ketentuan, antara lain sebagai berikut: accordance with the provisions, among others as
follows:
• Dalam setiap rapat, Dewan Komisaris telah • In each meeting, the Board of Commissioners has
menerima laporan dari masing-masing komite, received reports from each committee, namely:
yaitu: Komite Audit, Komite Pemantau Risiko dan Audit Committee, Risk Monitoring Committee and
Komite Remunerasi dan Nominasi. Remuneration and Nomination Committee.
• Memberikan pengarahan dan menyetujui • Provided direction and approved the Bank’s
Rencana Bisnis Bank (RBB) yang disampaikan Business Plan (RBB) submitted to OJK in November
kepada OJK pada bulan November 2023. 2023.
• Melakukan pengawasan atas realisasi pencapaian • Supervised the realization of RBB achievements
RBB tiap semester. every semester.
• Dewan Komisaris melakukan kaji ulang (review) • The Board of Commissioners conducts a review
atas kinerja keuangan Perseroan dalam Rapat of the Company’s financial performance in regular
Dewan Komisaris secara berkala. Board of Commissioners Meetings.
• Dewan Komisaris senantiasa memastikan bahwa • The Board of Commissioners always ensures that
Direksi telah menindaklanjuti temuan audit, the Board of Directors has followed up on audit
baik yang berasal dari SKAI maupun dari pihak findings, both from SKAI and from external parties
eksternal (OJK dan KAP). (OJK and KAP).
• Melalui usulan Komite Audit, Dewan Komisaris • Through the proposal of the Audit Committee,
telah menyetujui penunjukan Kantor Akuntan the Board of Commissioners has approved the
180 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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DEWAN KOMISARIS
Board of Commissioners
Publik Amir Abadi Jusuf, Aryanto, Mawar & appointment of Amir Abadi Jusuf, Aryanto, Mawar
Rekan, member firm of RSM Indonesia untuk & Rekan Public Ac-counting Firm, a member
pemeriksaan tahun buku 2023. Penunjukan ini firm of RSM Indonesia for the 2023 financial year
sesuai dengan reputasi AP dan KAP tersebut dan audit. This appointment is in accordance with the
merujuk pada daftar AP dan KAP yang diizinkan reputation of the AP and KAP and refers to the list
menjadi Auditor Bank oleh OJK. of AP and KAP permitted to be the Bank’s Auditor
by OJK.
• Melalui Komite Pemantau Risiko, Dewan Komisaris • Through the Risk Monitoring Committee, the Board
senantiasa memantau Tingkat Kesehatan Bank of Commissioners continues to monitor the Bank’s
yang mencakup juga pemantauan terhadap Health Level which includes monitoring of Risk
Manajemen Risiko yang meliputi: Risiko Kredit, Management which includes: Credit Risk, Market
Risiko Pasar, Risiko Likuiditas, Risiko Operasional, Risk, Liquidity Risk, Operational Risk, Legal Risk,
Risiko Hukum, Risiko Reputasi, Risiko Stratejik, dan Reputation Risk, Strategic Risk, and Compliance
Risiko Kepatuhan serta kecukupan permodalan Risk as well as the adequacy of the Bank’s capital
perseroan dan penetapan Risk Appetite dan Risk and the establishment of Risk Appetite and Risk
Tolerance. Tolerance.
• Terkait dengan bidang SDM, Dewan Komisaris • In relation to HR, the Board of Commissioners
melalui Komite Remunerasi dan Nominasi through the Remuneration and Nomination
memantau mengenai strategi pengembangan Committee monitors the Company’s HR
SDM Perseroan serta kebijakan kepegawaian development strategy and other personnel policies.
lainnya.
• Membahas dan menganalisis mengenai kondisi • Discussed and analyzed macroeconomic
makro ekonomi dan kaitannya dengan industri conditions and their relation to the banking industry
perbankan serta peraturan dan ketentuan- as well as new rules and regulations issued by BI
ketentuan baru yang dikeluarkan oleh BI dan OJK and OJK and their im-pact on the Company.
serta dampaknya bagi Perseroan.
RAPAT DEWAN KOMISARIS BOARD OF COMMISSIONERS MEETINGS
Sesuai Peraturan Otoritas Jasa Keuangan No. 55/ In accordance with the Financial Services Authority
POJK.03/2016, tentang: Penerapan Tata Kelola Bagi Regulation No. 55/POJK.03/2016, regarding:
Bank Umum, Pasal 37: Rapat Dewan Komisaris wajib Implementation of Governance for Commercial
diselenggarakan paling kurang 4 (empat) kali dalam Banks, Article 37: Meetings of the Board of
setahun. Rapat Dewan Komisaris wajib dihadiri oleh Commissioners must be held at least 4 (four) times
seluruh anggota Dewan Komisaris secara fisik paling a year. Meetings of the Board of Commissioners must
kurang 2 (dua) kali dalam setahun. be physically attended by all members of the Board of
Commissioners at least 2 (two) times a year.
Frekuensi Rapat Dewan Komisaris Meeting Frequency of the Board of Commissioners
Selama tahun 2023 telah diselenggarakan 6 (enam) During 2023, 6 (six) Board of Commissioners Meetings
kali Rapat Dewan Komisaris, dengan jumlah kehadiran were held, with the following attendance figures:
sebagai berikut:
Nama Jabatan Jumlah Kehadiran % Kehadiran
Name Position Number of Attendance % Attendance
Prof. Adrianus Mooy, Komisaris Utama/Independen
6 100%
M.Sc., Ph.D. President Commissioner/Independent
Komisaris Independen
Dewi Pandamsari 6 100%
Independent Commissioner
Komisaris Independen
Tjindrasa Ng 6 100%
Independent Commissioner
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 181
Page 184
TATA KELOLA PERUSAHAAN
Corporate Governance
DEWAN KOMISARIS
Board of Commissioners
Agenda Rapat Dewan Komisaris Meeting Agenda of the Board of Commissioners
Berikut agenda rapat Dewan Komisaris selama tahun The following is the agenda of the Board of
2023: Commissioners’ Meeting for 2023:
Tanggal Agenda Rapat
Date Meeting Agenda
19-01-2023 • Monitoring Tindak Lanjut Hasil Audit – Status per 31 Desember 2022.
• Pencapaian Rencana Kerja SKAI per 31 Desember 2022.
• Laporan Pelaksanaan Pokok- Pokok Hasil Pemeriksaan Semester II – 2022.
• Follow-up Monitoring of Audit Results – Status as of December 31, 2022.
• Achievement of SKAI Work Plan as of December 31, 2022.
• Report on the Implementation of the Examination Results for the Second Semester – 2022.
16-03-2023 • Paparan Hasil Audit oleh KAP RSM Indonesia atas Laporan Keuangan per 31 Desember 2022.
• Laporan Komite Audit.
• Monitoring Tindak Lanjut Hasil Audit – Status per 28 Februari 2023.
• Presentation of Audit Results by KAP RSM Indonesia on Financial Statements as of December 31, 2022.
• Audit Committee Report.
• Monitoring Follow-up Audit Results – Status as of February 28, 2023.
17-05-2023 • Laporan Evaluasi Komite Audit atas Pelaksanaan Jasa Audit Oleh KAP RSM Indonesia – Persetujuan.
• Penunjukan KAP untuk Reviu Quality Assurance 3 Tahunan Fungsi SKAI – Persetujuan.
• Monitoring Tindak Lanjut Hasil Audit – Status per 30 April 2023.
• Fraud case pemberian KUR di Kantor Cabang Jambi.
• Telaah Laporan Keuangan per 31 Maret 2023.
• Audit Committee Evaluation Report on the Implementation of Audit Services by KAP RSM Indonesia –
Approval.
• Appointment of KAP for 3-Year Quality Assurance Review SKAI Function – Approval.
• Monitoring of Follow-up Audit Results – Status as of April 30, 2023.
• Fraud case of KUR provision at Jambi Branch Office.
• Review the Financial Statements as of March 31, 2023.
20-07-2023 • Kick off Meeting: Kaji Ulang Tiga Tahunan atas Fungsi SKAI.
• Matter Arise – Hasil Visit Debitur KUR di Cabang- Cabang.
• Monitoring Tindak Lanjut Hasil Audit – Status per 30 Juni 2023.
• Pencapaian Rencana Kerja SKAI Semester I/2023.
• Telaah Laporan Keuangan 30 Juni 2023.
• Kick off Meeting: A Triennial Review of SKAI’s Functionality.
• Matter Arise – Results of KUR Debtor Visit at Branches.
• Monitoring of Follow-up Audit Results – Status as of June 30, 2023.
• Achievement of SKAI Work Plan Semester I/2023.
• Review of Financial Statements June 30, 2023.
20-09-2023 • Exit Meeting Kaji Ulang Tiga Tahunan atas Kinerja SKAI.
• Matter Arise – Hasil Visit Debitur KUR di Cabang- Cabang.
• Penunjukan KAP & AP Untuk Pemeriksaan Tahun Buku 2023 – Persetujuan.
• Pengkinian Piagam Komite Audit.
• Monitoring Tindak Lanjut Hasil Audit – Status per 31 Agustus 2023.
• Exit Meeting Quarterly Review of SKAI’s Performance.
• Matter Arise – Results of KUR Debtor Visit at Branches.
• KAP & AP Appointment for Examination for Financial Year 2023 – Approval.
• Updating the Audit Committee Charter.
• Monitoring of Follow-up Audit Results – Status as of August 31, 2023.
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DEWAN KOMISARIS
Board of Commissioners
Tanggal Agenda Rapat
Date Meeting Agenda
25-10-2023 • Pengkinian Piagam Komite Audit – Persetujuan Ulang.
• Monitoring Tindak Lanjut Hasil Audit – Status per 30 September 2023.
• Laporan Realisasi atas Kinerja SKAI Per 30 September 2023.
• Internal Fraud: KCP Serang.
• Telaah Laporan Keuangan 30 September 2023.
• Audit Committee Charter Update – Reapproval.
• Follow-up Monitoring of Audit Results – Status as of September 30, 2023.
• Realization Report on SKAI Performance as of September 30, 2023.
• Internal Fraud: KCP Serang.
• Review of September 30, 2023 Financial Statements.
24-11-2023 • Monitoring Tindak Lanjut Hasil Audit – Status per 23 November 2023.
• Pencapaian Rencana Kerja Audit Per 23 November 2023.
• Tugas & Tanggung Jawab Komite Audit.
• Rencana Kerja Tahunan (RKT) Internal Audit Tahun 2024 – Persetujuan.
• Monitoring of Follow-up Audit Results – Status as of November 23, 2023.
• Achievement of the audit work plan as of November 23, 2023.
• Duties & Responsibilities of Audit Committee.
• Internal Audit Annual Work Plan (CTR) 2024 – Approval.
20-12-2023 • Monitoring Tindak Lanjut Hasil Audit – Status Per 30 November 2023.
• Daily Monitoring (Transaksi Reversal dan Data CIF).
• Common and Repeat Findings.
• Follow-up monitoring of audit results – status as of November 30, 2023.
• Daily Monitoring (Transaction Reversal and CIF Data).
• Common and Repeat Findings.
Rapat Gabungan Dewan Komisaris Bersama Joint Meeting of The Board of Commissioners with
Direksi the Board of Directors
Sesuai Anggaran Dasar Perseroan, Dewan Komisaris In accordance with the Company’s Articles of
Bersama Direksi wajib menyelenggarakan rapat Association, the Board of Commissioners with the
gabungan secara berkala paling kurang 1 (satu) Board of Directors must hold periodic joint meetings
kali dalam 4 (empat) bulan. Rapat Gabungan at least once in 4 (four) months. The 2023 Joint
Dewan Komisaris Bersama Direksi tahun 2023 Meeting of the Board of Commissioners and Board of
telah diagendakan sebelum tahun berjalan yang Directors has been scheduled before the current year
dituangkan dalam program kerja Dewan Komisaris as outlined in the 2022 work program of the Board of
tahun 2022. Commissioners.
Selama tahun 2023, Rapat Dewan Komisaris Bersama During 2023, the Joint Meeting of the Board of
Direksi telah dilakukan sebanyak 6 (enam) kali yang Commissioners with the Board of Directors has been
dihadiri oleh anggota Dewan Komisaris dan Direksi held 6 (six) times which was attended by members of
dengan tingkat kehadiran 66,7%. the Board of Commissioners and Board of Directors,
with 66.7% attendance rate.
HUBUNGAN KEUANGAN DAN HUBUNGAN FINANCIAL RELATIONS AND FAMILY RELATION
KELUARGA
Semua anggota Dewan Komisaris maupun anggota All members of the Board of Commissioners and
Direksi tidak memiliki hubungan keuangan dan members of the Board of Directors do not have
hubungan keluarga, baik antar anggota Dewan financial and family relationships, both among
Komisaris, antar anggota Direksi serta Pemegang members of the Board of Commissioners, between
Saham Pengendali Perseroan. members of the Board of Directors and the Company’s
Controlling Shareholders.
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TATA KELOLA PERUSAHAAN
Corporate Governance
DEWAN KOMISARIS
Board of Commissioners
PENILAIAN KINERJA KOMITE DI BAWAH DEWAN PERFORMANCE ASSESSMENT OF COMMITTEES
KOMISARIS UNDER THE BOARD OF COMMISSIONERS
Dalam melaksanakan tugas pengawasannya, In performing its oversight duties, the Board of
Dewan Komisaris telah membentuk Komite yang Commissioners has established Committees that
bertanggung jawab langsung kepada Dewan directly responsible to the Board of Commissioners,
Komisaris, yaitu: namely:
1. Komite Audit yang dibentuk guna memenuhi 1. The Audit Committee that was established in
ketentuan POJK No. 55/POJK.04/2015 tentang compliance with POJK No. 55/POJK.04/2015 on
Pembentukan dan Pedoman Pelaksanaan Kerja the Audit Committee Establishment and Charter.
Komite Audit.
2. Komite Pemantau Risiko yang dibentuk 2. The Risk Monitoring Committee that was
guna memenuhi ketentuan SEOJK No. 13/ established to comply with SEOJK No. 13/
SEOJK.03/2017 tentang Penerapan Tata Kelola SEOJK.03/2017 on the Implementation of
bagi Bank Umum. Governance for Commercial Banks.
3. Komite Remunerasi dan Nominasi yang 3. The Remuneration and Nomination Committee
dibentuk sesuai dengan Peraturan OJK No. 34/ that was established in compliance with POJK
POJK.04/2014 tentang Komite Nominasi dan No. 34/POJK.04/2014 on the Nomination and
Remunerasi Emiten atau Perusahaan Publik. Remuneration Committee of Issuers or Public
Companies.
Evaluasi terhadap kinerja anggota komite di bawah The performance assessment of committee
Dewan Komisaris meliputi kehadiran dalam rapat, members under the Board of Commissioners includes
memiliki integritas, dukungan komite terhadap attendance at meeting, having integrity, support
implementasi tata kelola perusahaan yang baik for corporate governance implementation and risk
dan kegiatan manajemen risiko, masukan terhadap management activities, advice on the remuneration
kebijakan dan struktur remunerasi serta rencana structure and policy as well as succession planning.
suksesi.
Secara umum Dewan Komisaris berpendapat bahwa The Board of Commissioners considers that all
semua Komite telah menjalankan tugasnya masing- Committees have performed their respective duties
masing dengan efisien berdasarkan ketentuan tata efficiently in accordance with corporate governance
kelola dan tujuan Perseroan. principles and the Company’s objectives.
KOMISARIS INDEPENDEN INDEPENDENT COMMISSIONER
Merujuk pada ketentuan POJK Nomor 17 Tahun Referring to the provisions of POJK Number 17 of
2023 tentang Penerapan Tata Kelola Bagi Bank 2023 concerning the Implementation of Governance
Umum Pasal 38 ayat (2) Perusahaan harus memiliki for Commercial Banks Article 38 paragraph (2), the
Komisaris Independen yang mewakili paling sedikit Company must have Independent Commissioners
50% (lima puluh persen) dari seluruh anggota Dewan representing at least 50% (fifty percent) of all members
Komisaris. Dari seluruh anggota Dewan Komisaris, of the Board of Commissioners. Of all members of the
Perseroan saat ini memiliki 3 (tiga) orang Komisaris Board of Commissioners, the Company currently has
Independen. 3 (three) Independent Commissioners.
Komisaris Independen yang telah menjabat 2 (dua) kali Independent Commissioners who have served 2 (two)
masa jabatan berturut-turut dapat diangkat kembali consecutive terms of office may be reappointed if
apabila Komisaris Independen yang bersangkutan the Independent Commissioner concerned declares
menyatakan kepada RUPS bahwa yang bersangkutan to the GMS that he/she remains independent in
tetap independen sesuai dengan ketentuan yang accordance with the applicable provisions. If the
berlaku. Apabila Komisaris Independen tersebut juga Independent Commissioner also serves as a member
menjabat sebagai anggota Komite Audit, maka yang of the Audit Committee, then he/she can only be
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DEWAN KOMISARIS
Board of Commissioners
bersangkutan hanya dapat diangkat kembali sebagai reappointed as a member of the Audit Committee for
anggota Komite Audit untuk 1 (satu) kali masa jabatan the next 1 (one) Audit Committee term.
Komite Audit berikutnya.
Selain mengacu pada kriteria Dewan Komisaris, In addition to referring to the criteria of the Board
Komisaris Independen Perseroan telah memenuhi of Commissioners, the Company’s Independent
kriteria tambahan sebagai berikut: Commissioners have met the following additional
1. Tidak bekerja atau mempunyai wewenang dan criteria:
tanggung jawab untuk merencanakan, memimpin, 1. Not working or having the authority and
mengendalikan, atau mengawasi kegiatan responsibility to plan, lead, control, or supervise
Perseroan tersebut dalam waktu 6 (enam) bulan the activities of the Company within the last 6 (six)
terakhir, kecuali untuk pengangkatan kembali months, except for reappointment as Independent
sebagai Komisaris Independen Perseroan pada Commissioner of the Company in the following
periode berikutnya; period;
2. Tidak memiliki saham secara langsung atau tidak 2. Does not own shares directly or indirectly in the
langsung pada Perseroan; Company;
3. Tidak mempunyai hubungan afiliasi dengan 3. Not affiliated with the Company, other members
Perseroan, anggota Dewan Komisaris lainnya, of the Board of Commissioners, members of the
anggota Direksi, atau pemegang saham utama Board of Directors, or major shareholders of the
Perseroan; dan Company; and
4. Tidak memiliki hubungan usaha secara langsung 4. Has no direct or indirect business relationship
atau tidak langsung yang berkaitan dengan related to the Company’s business activities.
kegiatan usaha Perseroan.
Pernyataan tentang Independensi Komisaris Independency Statements of Independent
Independen Commissioner
Komisaris Independen Perseroan telah The Independent Commissioners of the Company
menandatangani Surat Pernyataan yang menyatakan have signed a Statement Letter certifying the
pemenuhan seluruh kriteria dan independensi fulfilment of criteria as well as his independency of
jabatannya sesuai kriteria yang disyaratkan oleh position in accordance with the criteria as set under
peraturan perundang-undangan yang berlaku. the prevailing regulations.
Surat Pernyataan tersebut didokumentasikan oleh The Statement Letters are documented by the
Sekretaris Perusahaan. Corporate Secretary.
TATA CARA PENGUNDURAN DIRI DEWAN RESIGNATION PROCEDURE FOR THE BOARD OF
KOMISARIS APABILA TERLIBAT KEJAHATAN COMMISSIONERS THAT INVOLVED IN FINANCIAL
KEUANGAN CRIME
Undang-undang No. 40 Tahun 2007 tentang Perseroan Law No. 40 of 2007 concerning a Limited Liability
Terbatas (“UUPT”) dan Peraturan OJK No. 33/ Company (the “Company Law”) and OJK Regulation
POJK.04/2014 tentang Direksi dan Dewan Komisaris No. 33/POJK.04/2014 concerning the Board of
Emiten atau Perusahaan Publik (“POJK No.33”) Directors and the Board of Commissioners of an
mengatur salah satu persyaratan pengangkatan Issuer or Public Company (“POJK No. 33”) stipulates
anggota Dewan Komisaris yaitu tidak pernah dihukum that one of the requirements to be appointed as a
karena melakukan tindak pidana yang merugikan member of the Board of Commissioners is having
keuangan negara dan/atau yang berkaitan dengan never been convicted for commission of a criminal
sektor keuangan. Sejalan dengan UUPT dan POJK No. offense that damages the state finance and/or the
33, OJK mengeluarkan POJK No. 21, dimana POJK No. relevant financial sector. In accordance with the
21 lebih lanjut diatur dalam SE No. 32. POJK No. 21 dan Company Law and POJK No. 33, OJK issued POJK
SE No. 32 isinya antara lain memberikan rekomendasi No. 21, which POJK No. 21 further stipulated in SE
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 185
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TATA KELOLA PERUSAHAAN
Corporate Governance
DEWAN KOMISARIS
Board of Commissioners
kepada perusahaan publik untuk memiliki kebijakan No. 32. POJK No. 21 and SE No. 32 among other things
terkait pengunduran diri anggota Dewan Komisaris provides recommendation to the public company to
yang terlibat dalam kejahatan keuangan. Kejahatan have a policy regarding the resignation procedure for
keuangan yang dimaksud seperti manipulasi dan members of the Board of Commissioners who may
berbagai bentuk penggelapan dalam kegiatan jasa be involved in a financial crime. Such financial crimes
keuangan serta tindakan pidana pencucian uang. are considered to be manipulation and various forms
of corruption in financial service activities as well as
money laundering.
Dalam rangka memenuhi ketentuan dalam POJK No. Following the POJK No. 21 and SE No. 32, the
21 dan SE No. 32 tersebut, Perseroan telah menyusun Company has prepared the policy of resignation
kebijakan pengunduran diri bagi anggota Dewan for the members of the Board of Commissioners
Komisaris yang terlibat dalam kejahatan keuangan. who are involved in financial crimes. The policy of
Kebijakan pengunduran diri tersebut telah diperiksa resignation was reviewed and approved by the Board
dan disetujui oleh Dewan Komisaris Perseroan. of Commissioners.
Tata cara pengunduran diri bagi anggota Dewan The resignation procedure for the members of the
Komisaris adalah sebagai berikut: Board of Commissioners are as follows:
1. Seorang anggota Dewan Komisaris berhak 1. A member of the Board of Commissioners shall
mengundurkan diri dari jabatannya dan wajib resign from their position and submit a resignation
menyampaikan permohonan pengunduran letter to the Company no later than 60 (sixty) days
dirinya kepada Perseroan paling lambat 60 (enam before the effective date of the resignation;
puluh) hari sebelum tanggal pengunduran dirinya.
2. Perseroan wajib melakukan keterbukaan informasi 2. The Company shall publish the disclosure
kepada masyarakat sehubungan dengan information to the public regarding such
pengunduran diri tersebut dan menyampaikannya resignation and submit the information to OJK no
kepada OJK paling lambat 2 (dua) hari kerja sejak later than 2 (two) working days after receiving the
tanggal penerimaan surat pengunduran diri resignation letter;
tersebut.
3. Perseroan wajib menyelenggarakan Rapat Umum 3. The Company shall convey a General Meeting of
Pemegang Saham (“RUPS”) untuk memutuskan Shareholders (“GMS”) to approve the resignation
pengunduran diri anggota Dewan Komisaris of such Commissioner within a maximum period
tersebut dalam jangka waktu paling lambat 90 of 90 (ninety) days after receiving his resignation
(sembilan puluh) hari setelah diterimanya surat letter. The members of the Board of Commissioners
pengunduran diri tersebut. Kepada anggota Dewan who resigned shall be held liable from the date of
Komisaris yang mengundurkan diri tersebut di atas their appointment to their position until the date of
tetap dapat dimintakan pertanggungjawabannya resignation as approved by the GMS.
sejak pengangkatan yang bersangkutan sampai
dengan tanggal pengunduran dirinya, dalam
RUPS.
4. Perseroan wajib mengumumkan hasil RUPS 4. The Company shall disclose the result of the GMS
tersebut dan menyampaikan hasilnya kepada and submit it to the OJK no later than 2 (two)
OJK paling lambat 2 (dua) hari kerja setelah RUPS working days after the GMS.
tersebut.
KEBERAGAMAN DEWAN KOMISARIS [GRI 2-17] BOARD OF COMMISSIONERS DIVERSITY [GRI 2-17]
Komposisi Dewan Komisaris Perseroan yang menjabat The composition of the Company’s current Board
saat ini telah memiliki keragaman keahlian, latar of Commissioners has a diversity of expertise,
belakang, pengetahuan, dan pengalaman industri background, knowledge, and industry experience
yang merupakan faktor penting untuk memastikan which are important factors to ensure the effectiveness
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DEWAN KOMISARIS
Board of Commissioners
efektivitas pelaksanaan fungsi pengawasan terhadap of the implementation of the supervisory function on
pengelolaan Perseroan yang diemban oleh Dewan the Company’s management carried out by the Board
Komisaris. of Commissioners.
Informasi mengenai keberagaman Dewan Komisaris Information regarding the diversity of the Board of
dapat dilihat pada Profil masing-masing Dewan Commissioners is presented in the Profile of each
Komisaris pada Bab Profil Perusahaan pada Laporan Board of Commissioners in the Company Profile
Tahunan ini. Chapter of this Annual Report.
PROGRAM ORIENTASI PERUSAHAAN UNTUK COMPANY INDUCTION PROGRAM FOR THE
DEWAN KOMISARIS BOARD OF COMMISSIONERS
Dewan Komisaris yang baru menjabat The newly appointed Board of Commissioners will
akan mendapatkan program orientasi yang receive an induction program organized by the
diselenggarakan oleh Sekretaris Perusahaan. Tujuan Corporate Secretary. The purpose of this program is
dari program ini adalah untuk memberikan gambaran to provide an overview of business activities, future
atas aktivitas bisnis, rencana perusahaan ke depan, company plans, work guidelines and other matters that
pedoman kerja dan hal lainnya yang menjadi are the responsibility of the Board of Commissioners.
tanggung jawab Dewan Komisaris.
Untuk meningkatkan pemahaman Dewan Komisaris, To improve the understanding of the Board of
Perseroan juga menyampaikan dokumen-dokumen Commissioners, the Company also submits other
penunjang lainnya antara lain Laporan Tahunan, supporting documents including the Annual Report,
Rencana Kerja dan Anggaran Perseroan, Anggaran the Company’s Work Plan and Budget, Articles of
Dasar, Rencana Jangka Panjang Perseroan, dan Association, the Company’s Long-Term Plan, and so
sebagainya. forth.
Di tahun 2023, Perseroan tidak menyelenggarakan In 2023, the Company did not hold this program as the
program ini dikarenakan komposisi Dewan Komisaris composition of the Board of Commissioners has not
tidak mengalami perubahan dari tahun sebelumnya. changed from the previous year.
PROGRAM PENGEMBANGAN KOMPETENSI BOARD OF COMMISSIONERS COMPETENCY
DEWAN KOMISARIS DEVELOPMENT PROGRAM
Guna meningkatkan kompetensi dan pengetahuan To improve the competence and knowledge of
Dewan Komisaris dan sejalan dengan program the Board of Commissioners and in line with the
pengembangan Dewan Komisaris, Perseroan development program of the Board of Commissioners,
senantiasa memutakhirkan pengetahuan Dewan the Company constantly updates the knowledge of the
Komisaris melalui kegiatan pelatihan, workshop, Board of Commissioners through training activities,
seminar, conference, ataupun dalam bentuk workshops, seminars, conferences, or in the form of
kunjungan kerja serta studi banding (benchmark). work visits and comparative studies (benchmarks).
Pada tahun 2023, realisasi Program Pelatihan dan In 2023, the realization of the Training and
Pengembangan yang dilakukan Dewan Komisaris Development Program carried out by the Board of
tersedia di Profil Dewan Komisaris dalam Bab 3 Profil Commissioners is presented on the Profile of the
Perusahaan di Laporan Tahunan ini. Board of Commissioners in Chapter 3 Company
Profile in this Annual Report.
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TATA KELOLA PERUSAHAAN
Corporate Governance
PENILAIAN KINERJA
DEWAN KOMISARIS & DIREKSI [GRI 2-18]
Performance Assessment of
the Board of Commissioners & Board of Directors [GRI 2-18]
Penilaian Kinerja Dewan Komisaris Board of Commissioners Performance Assessment
Komite Remunerasi dan Nominasi melaksanakan The Remuneration and Nomination Committee
proses pelaksanaan penilaian kinerja Dewan implements the process for implementing the Board
Komisaris berdasarkan tinjauan internal tahunan of Commissioners’ performance assessment based
sesuai dengan pencapaian Perseroan. Hasil evaluasi on the annual internal review in accordance with the
tersebut akan disampaikan kepada para pemegang Company’s achievements. The evaluation’s findings
saham dalam bentuk Laporan Pengawasan will be presented to the shareholders in the form of a
Dewan Komisaris dalam forum RUPS Tahunan, Supervisory Report of the Board of Commissioners
untuk kemudian disahkan oleh RUPS. RUPS juga at the Annual GMS forum, where the GMS will then
memberikan pelunasan dan pembebasan tanggung further ratify them. The GMS also authorizes the
jawab sepenuhnya kepada Dewan Komisaris Company’s Board of Commissioners to be absolved
Perseroan (acquit et de charge) atas tindakan of any liability (acquit et de charge) for its supervision
pengawasan yang telah dijalankan selama tahun measures taken during the prior fiscal year.
buku yang lalu.
Kriteria yang digunakan untuk penilaian kinerja The criteria used to evaluate the Board of
Dewan Komisaris antara lain: Commissioners’ performance are as follows:
• Pelaksanaan tugas pengawasan, pengarahan, dan • Implementation of supervisory duties, direction,
evaluasi atas kebijakan dan jalannya pengurusan and evaluation over the Company’s management
Perseroan. policies.
• Efektivitas dalam mengawasi dan memberikan • Effectiveness in overseeing and providing advice
nasihat atau arahan kepada Direksi terkait or direction to the Board of Directors in relation to
pelaksanaan tugas, tanggung jawab dan the implementation of duties, responsibilities, and
pencapaian kinerja Direksi. performance of the Board of Directors.
• Kepatuhan terhadap kebijakan Perseroan dan • Compliance with the Company’s policies and the
peraturan perundang-undangan yang berlaku. applicable laws and regulations.
• Tingkat kehadiran pada rapat Komisaris maupun • Attendance level in the Board of Commissioners
pada rapat gabungan dengan Direksi. meetings as well as joint meetings with the Board
of Directors.
Penilaian Kinerja Direksi Board of Directors Performance Assessment
Key Performance Indicators (KPI) yang disusun Key Performance Indicators (KPI), which are compiled
dan ditetapkan setiap awal tahun dan mencakup and established at the beginning of each year and
perspektif keuangan, operasional, investasi, tata kelola cover financial perspective, operational, investment,
perusahaan, dan pertumbuhan bisnis Perseroan corporate governance, and the Company’s business
menjadi dasar evaluasi kinerja Direksi. Dewan growth, are the basis for the Board of Directors’
Komisaris melakukan evaluasi setiap akhir tahun performance evaluation. The Board of Commissioners
berdasarkan pencapaian KPI yang telah ditetapkan conducts an evaluation at the end of each year based
sebagai target bagi masing-masing Direktur sesuai on the KPI accomplishments that were established
dengan tugas dan tanggung jawabnya. as targets for each Director in accordance with those
tasks and responsibilities.
Kriteria yang digunakan untuk penilaian kinerja The criteria used to evaluate the Board of Directors’
Direksi antara lain adalah: performance, are as follows:
• Pelaksanaan tugas dan tanggung jawab sesuai • Implementation of duties and responsibilities in
anggaran dasar serta rencana kerja dan anggaran accordance with the articles of association and
tahunan Perseroan. the Company’s annual work plan and budget.
• Kontribusi dalam meningkatkan nilai pemegang • Contribution in increasing the shareholder value.
saham.
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PENILAIAN KINERJA DEWAN KOMISARIS & DIREKSI
Performance Assessment of the Board of Commissioners & Board of Directors
• Kontribusi dalam berbagai pelaksanaan kebijakan • Contribution in various implementation of the
strategis usaha Perseroan. Company’s strategic policy.
• Implementasi hasil keputusan RUPS. • Implementation of the GMS resolution.
• Pencapaian target yang ditetapkan terkait aspek • Achievement of the set targets related to financial
keuangan dan aspek operasional. and operational aspects.
• Keselarasan kinerja dengan visi dan misi • Alignment between the performance and the
Perseroan. Company’s vision and mission.
• Penerapan tata kelola yang baik pada Perseroan. • Implementation of the Company’s good
governance.
• Ketaatan terhadap kebijakan dan prosedur • Compliance with the Company’s policies and
Perseroan serta peraturan perundang-undangan procedures as well as the prevailing laws.
yang berlaku.
• Tingkat kehadiran pada rapat Direksi maupun • Attendance level in the Board of Directors
pada rapat gabungan dengan Dewan Komisaris. meetings as well as joint meetings with the Board
of Commissioners.
Pada tahun 2023, telah dilakukan penilaian terhadap In 2023, the performance assessment of the Board
kinerja Dewan Komisaris dan Direksi. Secara of Commissioners and Board of Directors has been
keseluruhan Dewan Komisaris dan Direksi dinilai telah conducted. Overall, the Board of Commissioners and
menjalankan tugas dan tanggung jawabnya dengan Board of Directors are considered to have properly
baik. performed their duties and responsibilities.
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TATA KELOLA PERUSAHAAN
Corporate Governance
KEBIJAKAN & PROSEDUR REMUNERASI
DEWAN KOMISARIS & DIREKSI [GRI 2-19, 2-20]
Remuneration Policy & Procedures of the
Board of Commissioners & Board of Directors [GRI 2-19, 2-20]
Prosedur, Dasar Penetapan, Struktur, dan Besaran Board of Commissioners and Board of Directors
Remunerasi Dewan Komisaris dan Direksi Remuneration Procedures, Stipulation Basis,
Structure, and Amount
Rekomendasi Komite Nominasi dan Remunerasi The Nomination and Remuneration Committee’s
menjadi bahan pertimbangan dalam menentukan recommendation is taken into consideration
remunerasi Dewan Komisaris, yang didasarkan when determining the Board of Commissioners’
pada tugas dan tanggung jawab masing-masing remuneration, which is based on the duties and
anggota serta pencapaian kinerja masing-masing responsibilities of each member as well as their
anggota dan kondisi keuangan Perseroan, serta individual performance accomplishments and
faktor-faktor pendukung lainnya. Dewan Komisaris the Company’s financial situation, among other
selanjutnya akan mengajukan usulan tersebut untuk supporting factors. The Board of Commissioners will
mendapatkan persetujuan dari pemegang saham subsequently forward that motion for shareholder
dalam RUPS Tahunan. approval at the Annual GMS.
Melalui RUPS Tahunan, Presiden Komisaris diberikan Through the Annual GMS, the President
kewenangan untuk memutuskan bagaimana Commissioner is given the authority to decide how the
remunerasi bagi anggota Dewan Komisaris remuneration for Board of Commissioners members
akan didistribusikan. Dewan Komisaris diberikan would be distributed. The Board of Commissioners
kewenangan oleh RUPS Tahunan untuk memutuskan is granted the authority by the Annual GMS to
remunerasi bagi para anggota Direksi dengan decide the remuneration for the members of the
memperhatikan pedoman dari Komite Nominasi Board of Directors while considering the Nomination
dan Kompensasi. Kinerja dan pencapaian sasaran and Compensation Committee’s guidelines. The
individu, kemampuan keuangan Perseroan, dan performance and accomplishment of individual
pertimbangan terkait lainnya, semuanya berperan goals, the Company’s financial capacity, and other
dalam menentukan jumlah kompensasi bagi anggota pertinent considerations all play a role in determining
Direksi. the amount of compensation for Board of Directors
members.
Kebijakan Remunerasi dan Fasilitas Lain Remuneration Policy and Other Facilities
Yang dimaksud dengan paket/kebijakan remunerasi Remuneration package/policy and other types of
dan jenis fasilitas lain bagi anggota Dewan Komisaris facilities for members of the Board of Commissioners
dan Direksi, antara lain meliputi: and Board of Directors include, among others:
1. Remunerasi dalam bentuk non natura, termasuk 1. Non-in-kind remuneration, including salary and
gaji dan penghasilan tetap lainnya, antara lain other fixed income, such as benefits, share-based
tunjangan (benefit), kompensasi berbasis saham, compensation, bonuses, and other forms of
tantiem dan bentuk remunerasi lainnya; dan remuneration; and
2. Fasilitas lain dalam bentuk natura/non-natura 2. Other facilities in the form of in-kind/non-natura,
yakni penghasilan tidak tetap lainnya, termasuk i.e., other non-fixed income, including allowances
tunjangan untuk perumahan, transportasi, for housing, transportation, health insurance and
asuransi kesehatan dan fasilitas lainnya, yang other facilities, which may be acquirable or not
dapat dimiliki maupun tidak dapat dimiliki.
Paket/kebijakan remunerasi dan fasilitas yang Remuneration packages/policies and facilities
diterima oleh Direksi dan anggota Dewan Komisaris received by the Board of Directors and members of
selama tahun 2023 adalah sebagai berikut: the Board of Commissioners in 2023 are as follows:
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KEBIJAKAN & PROSEDUR REMUNERASI DEWAN KOMISARIS & DIREKSI
Remuneration Policy & Procedures of the Board of Commissioners & Board of Directors
Jumlah Diterima dalam 1 Tahun (Juta Rp)
Amount Received in 1 Year (IDR Million)
Jenis Remunerasi dan Fasilitas Direksi Komisaris
No.
Type of Remuneration and Facility Board of Directors Board of Commissioners
Orang Juta Rp Orang Juta Rp
Persons IDR Million Persons IDR Million
1 Gaji, bonus, tunjangan rutin,
tantiem, termasuk fasilitas lain
dalam bentuk non natura.
4 23.586,7 3 3.429,9
Salary, bonus, regular allowance,
tantiem, including other facilities
in the form of non-benefit in kind.
2 Fasilitas lain dalam bentuk natura
(perumahan, asuransi kesehatan,
dsb.)
– – – –
Other facilities in the form of
benefit in kind (housing, health
insurance, etc.)
Dapat dimiliki
– – – –
Transferrable
Tidak dapat dimiliki
– – – –
Non-Transferrable
Total 4 23.586,7 3 3.429,9
Paket Remunerasi yang dikelompokkan dalam Remuneration Package grouped in the level received
tingkat yang diterima oleh Direksi dan anggota Dewan by the Board of Directors and members of the Board
Komisaris dalam selama tahun 2023 adalah sebagai of Commissioners in 2023 were as follows: [GRI 2-21]
berikut: [GRI 2-21]
Jumlah Remunerasi per Orang dalam 1 tahun Jumlah Direksi Jumlah Dewan Komisaris
yang diterima secara tunai Number of the Board Number of the Board of
Amount of Remuneration per Person in 1 year received in cash of Directors Commissioners
Di atas Rp2 miliar
4 1
Above Rp2 billion
Di atas Rp1 miliar s/d Rp2 miliar
– –
Above Rp1 billion to Rp2 billion
Di atas Rp500 juta s/d Rp1 miliar
– 2
Above Rp500 million to Rp1 billion
Rp500 juta ke bawah
– –
Rp500 million and below
Paket Remunerasi yang dikelompokkan dalam Remuneration Package grouped in the level received
tingkat yang diterima oleh Direksi dan anggota Dewan by the Board of Directors and members of the Board
Komisaris dalam selama tahun 2023 adalah sebagai of Commissioners in 2023 were as follows:
berikut:
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TATA KELOLA PERUSAHAAN
Corporate Governance
KEBIJAKAN & PROSEDUR REMUNERASI DEWAN KOMISARIS & DIREKSI
Remuneration Policy & Procedures of the Board of Commissioners & Board of Directors
Direksi Dewan Komisaris Pegawai
Board of Directors Board of Commissioners Employee
Orang Juta Rp Orang Juta Rp Orang Juta Rp
Person IDR million Person IDR million Person IDR million
4 9.286,1 3 423,1 1.247 19.034,8
Remunerasi yang Bersifat Variabel Variable Remuneration
Untuk tahun 2023, Perseroan memberikan remunerasi For 2023, The Company provides variable
yang bersifat variabel hanya dalam bentuk tunai. remuneration in cash only. Remuneration in the form
Remunerasi dalam bentuk saham yang rencananya of shares planned to be given to the MRT as part of
diberikan kepada MRT sebagai bagian dari ketentuan the Bank’s provisions cannot be realized because it
Bank belum dapat terealisasi karena belum cukup has not been sufficiently available on the market until
tersedia di pasaran sampai dengan akhir tahun 2023. the end of 2023.
Jumlah Direksi, Dewan Komisaris, dan Pegawai yang The number of Directors, Board of Commissioners,
menerima Remunerasi yang Bersifat Variabel selama and Employees who receive Variable Remuneration
1 tahun dan total nominal sebagaimana dalam tabel for 1 year and total nominal as in the table below:
di bawah ini:
Direksi Dewan Komisaris Pegawai
Board of Directors Board of Commissioners Employee
Orang Juta Rp Orang Juta Rp Orang Juta Rp
Person IDR million Person IDR million Person IDR million
4 9.286,1 3 423,1 1.247 19.034,8
Rasio Gaji Tertinggi dan Terendah Highest and Lowest Salary Ratio
Rasio gaji tertinggi dan terendah selama tahun 2023 The ratio of the highest and lowest salaries during
sebagai berikut: 2023 is as follows:
Keterangan Rasio
Explanation Ratio
Rasio Gaji Pegawai yang Tertinggi & Terendah
94,2:1
Highest & Lowest Employee Salary Ratio
Rasio Gaji Direksi yang Tertinggi & Terendah
1,9:1
Highest & Lowest Directors Salary Ratio
Rasio Gaji Dewan Komisaris yang Tertinggi & Terendah
6,0:1
Highest & Lowest Board of Commissioners Salary Ratio
Rasio Direksi & Pegawai yang Tertinggi
1,1:1
The highest ratio of Directors and Employees
Yang dimaksud dengan “gaji” adalah hak pegawai What is meant by “salary” is an employee right
yang diterima dan dinyatakan dalam bentuk uang received and expressed in the form of money as
sebagai imbalan dari perusahaan atau pemberi kerja compensation from the company or employer to
kepada pegawai yang ditetapkan dan dibayarkan the employee determined and paid according to a
menurut suatu perjanjian kerja, kesepakatan atau work agreement, agreement or laws and regulations,
peraturan perundang-undangan, termasuk tunjangan including allowances for employees and their families
bagi pegawai dan keluarganya atas suatu pekerjaan for a job and/or services that have been performed.
dan/atau jasa yang telah dilakukan.
192 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KEBIJAKAN & PROSEDUR REMUNERASI DEWAN KOMISARIS & DIREKSI
Remuneration Policy & Procedures of the Board of Commissioners & Board of Directors
Gaji yang diperbandingkan dalam rasio gaji adalah The salary that is compared in the salary ratio is the
imbalan yang diterima oleh Direksi, anggota Dewan compensation received by the Board of Directors,
Komisaris, dan pegawai per bulan. members of the Board of Commissioners, and
employees per month.
Yang dimaksud dengan “pegawai” dalam hal ini What is meant by “employee” in this case is a
adalah pegawai tetap Bank sampai dengan tingkat permanent employee of the Bank up to the executive
pegawai pelaksana. employee level.
Jumlah Penerima dan jumlah total Remunerasi The number of recipients and the total
yang bersifat Variabel yang dijamin tanpa syarat amount of Variable Remuneration guaranteed
akan diberikan Bank kepada Calon Direksi, calon without conditions will be given to the Bank to
Dewan Komisaris, dan/atau calon Pegawai selama Prospective Directors, candidates for the Board of
1 (satu) tahun pertama bekerja Commissioners, and/or prospective Employees for
the first 1 (one) working year
Penerima dan Jumlah Total Remunerasi yang bersifat Variabel
yang dijamin tanpa Syarat
Jabatan Recipient and Variable Total Remuneration Amount which is guaranteed
No.
Position without conditions
Orang | Person Total (Rp) | Total (IDR)
1 Calon Direktur
– –
Candidates for Director
2 Calon Dewan Komisaris
– –
Candidates for Commissioner
3 Calon Pegawai
– –
Candidates for Employee
Jumlah pegawai yang terkena pemutusan hubungan The number of employees terminated and total
kerja dan total pesangon yang dibayarkan severance paid as in this table.
Jumlah Nominal Pesangon yang dibayarkan per orang dalam 1 (satu) tahun Jumlah Pegawai
Amount of severance paid per person in 1 (one) year Number of Employees
Di atas Rp1 miliar 1
Above Rp1 billion
Di atas Rp500 juta s.d. Rp1 miliar 2
Above Rp500 million up to Rp1 billion
Rp500 juta ke bawah 8
Rp500 million and below
Jumlah total Remunerasi yang Bersifat Variabel yang The total amount of deferred variable remuneration,
ditangguhkan, yang terdiri dari tunai dan/atau saham which consists of cash and/or shares or stock-based
atau instrumen yang berbasis saham yang diterbitkan instruments issued by the Company: Rp598.8 million.
Perseroan: Rp598,8 juta.
Jumlah total Remunerasi yang Bersifat Variabel yang The total amount of deferred variable remuneration
ditangguhkan dan telah dibayarkan selama 1 (satu) paid for 1 (one) year: Rp344.4 million.
tahun: Rp344,4 juta.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 193
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TATA KELOLA PERUSAHAAN
Corporate Governance
KEBIJAKAN & PROSEDUR REMUNERASI DEWAN KOMISARIS & DIREKSI
Remuneration Policy & Procedures of the Board of Commissioners & Board of Directors
Rincian jumlah Remunerasi yang diberikan selama 1 Details of the amount of Remuneration given for 1 year
tahun meliputi: include:
A. Remunerasi yang Bersifat Tetap | Fixed Remuneration
• Tunai | Cash Rp240.174,7 juta | million
• Saham/instrumen yang berbasis saham yang diterbitkan Bank
- -
Stock-based shares/instruments issued by the Bank
Tidak Ditangguhkan Ditangguhkan
B. Remunerasi yang Bersifat Variabel | Variable Remuneration
Not Deferred Deferred
• Tunai | Cash Rp28.744 juta | million Rp598,8 juta | million
• Saham/instrument yang berbasis saham yang diterbitkan Bank
- -
Stock-based shares/instruments issued by the Bank
KEPEMILIKAN SAHAM
DIREKSI & DEWAN KOMISARIS
Shareholding of the Board of Directors and Commissioners
Penjelasan atas Kepemilikan saham dari anggota Clarification on share Ownership of members of the
Dewan Komisaris dan Direksi yang mencapai 5% Board of Commissioners and the Board of Directors
atau lebih dari modal disetor di Bank lain, Lembaga that reach 5% or more of the paid-up capital in other
Keuangan Bukan Bank, serta Perusahaan lain adalah Banks, Non-Bank Financial Institutions and other
sebagai berikut: Companies are as follows:
Dewan Komisaris Board of Commissioners
Semua Anggota Komisaris tidak memiliki saham All members of the Board of Commissioners do not
baik pada Perseroan, atau Lembaga Keuangan own shares in either the Company, or other Non-Bank
Bukan Bank lain maupun di perusahaan lainnya yang Financial Institutions or other companies that reach
mencapai 5% atau lebih. 5% or more.
Direksi Board of Directors
Seluruh anggota Direksi tidak memiliki saham baik di All members of the Board of Directors do not own
Perseroan, atau Lembaga Keuangan Bukan Bank lain shares in either the Company, or other Non-Bank
maupun perusahaan lainnya yang mencapai 5% atau Financial Institutions or other companies that reach
lebih. 5% or more.
194 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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ORGAN PENUNJANG DEWAN KOMISARIS
Board of Commissioners Supporting Organs
Sesuai ketentuan perundang-undangan, dalam Pursuant to laws and regulations, in carrying
menjalankan tugas dan tanggung jawabnya, Dewan out its duties and responsibilities, the Board of
Komisaris dapat membentuk komite yang mempunyai Commissioners may form a committee that has
tugas berkaitan dengan fungsi pengawasan Dewan duties related to the supervisory function of the Board
Komisaris. of Commissioners.
Sampai dengan akhir tahun 2023, Dewan Komisaris As of the end of 2023, the Company’s Board of
Perseroan memiliki 3 (tiga) Komite Penunjang Dewan Commissioners has 3 (three) Supporting Committees
Komisaris yang bertugas membantu tugas dan fungsi of the Board of Commissioners tasked with assisting
Komisaris, yakni: the duties and functions of Commissioners, namely:
1. Komite Audit, 1. Audit Committee,
2. Komite Pemantau Risiko, dan 2. Risk Monitoring Committee, and
3. Komite Remunerasi dan Nominasi. 3. Remuneration and Nomination Committee.
Setiap Komite Penunjang Dewan Komisaris diketuai Each Supporting Committee of the Board of
oleh anggota Dewan Komisaris dan tugas serta Commissioners is chaired by a member of the Board
tanggung jawab masing-masing Komite tercantum of Commissioners and the duties and responsibilities
dalam masing-masing pedoman kerja (charter). of each Committee are stated in each charter.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 195
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TATA KELOLA PERUSAHAAN
Corporate Governance
KOMITE AUDIT
Audit Committee
Komite Audit dibentuk untuk membantu tugas Dewan The Audit Committee was established to assist the
Komisaris dalam melaksanakan fungsi pengawasan, Board of Commissioners in their supervisory functions,
memastikan perusahaan dikelola dengan ensuring the company is managed with healthy
manajemen yang sehat sesuai dengan prinsip-prinsip management in accordance with GCG principles,
GCG, terbentuknya struktur pengendalian internal the establishment of an adequate internal control
yang memadai, meningkatkan kualitas keterbukaan structure, enhancing the quality of financial disclosure
dan pelaporan keuangan, serta mengkaji ruang and reporting, as well as reviewing the scope, accuracy,
lingkup, ketepatan, kemandirian dan objektivitas independence, and objectivity of public accountants.
akuntan publik. Selain itu memberikan nasihat In addition, the Committee provides advice on the
dalam pelaksanaan pengendalian internal dan implementation of internal controls and company
audit perusahaan, membuat laporan secara tertulis audits, produces written reports on each assignment
atas setiap penugasan yang diberikan oleh Dewan given by the Board of Commissioners, and reports
Komisaris, serta membuat laporan pelaksanaan on the Audit Committee’s activities and performance
kegiatan Komite Audit dan tingkat pencapaian achievements.
kinerjanya.
Komite Audit dibentuk berdasarkan: The Audit Committee is established based on:
1. POJK No. 21/POJK.04/2015 tentang Penerapan 1. POJK No. 21/POJK.04/2015 on the Implementation
Pedoman Tata Kelola Perusahaan Terbuka, of Public Company Governance Guidelines,
2. POJK No. 55/POJK.04/2015 tentang Pembentukan 2. POJK No. 55/POJK.04/2015 regarding the
dan Pedoman Pelaksanaan Kerja Komite Audit, Establishment and Implementation Guidelines for
the Audit Committee,
3. Anggaran Dasar Bank beserta perubahannya, 3. The Bank’s Articles of Association and its
amendments,
4. Peraturan Otoritas Jasa Keuangan No. 9 Tahun 4. Financial Services Authority Regulation No. 9
2023 tentang Penggunaan Jasa Akuntan Publik of 2023 regarding the Use of Public Accountant
dan Kantor Akuntan Publik dalam kegiatan Jasa Services and Public Accounting Firm in Financial
Keuangan. Services activities.
5. Peraturan Otoritas Jasa Keuangan No.17 Tahun 5. Financial Services Authority Regulation No.17 of
2023 tentang Penerapan Tata Kelola Bagi Bank 2023 regarding the Implementation of Governance
Umum. for Commercial Banks.
6. Anggaran Dasar PT Bank Nationalnobu Tbk 6. Articles of Association of PT Bank Nationalnobu
beserta perubahannya, dan Tbk and its amendments, and
7. Surat Keputusan Dewan Komisaris No. 001/ 7. Board of Commissioners Decree No. 001/SK/KOM/
SK/KOM/III/11 tanggal 28 Maret 2011 tentang III/11 dated 28 March 2011 on the Establishment of
Pembentukan Komite Audit, dan Surat Keputusan Audit Committee, and Board of Directors Decree
Direksi No. 060/SK/DIR/VII/2023 tanggal 18 Juli No. 060/SK/DIR/VII/2023 dated 18 July 2023 on
2023 tentang Pengangkatan Anggota Komite Audit the Appointment of Audit Committee Members.
tentang Pengangkatan Anggota Komite Audit.
Piagam Komite Audit Audit Committee Charter
Perseroan telah memiliki Piagam Komite Audit yang The Company has an Audit Committee Charter
ditetapkan oleh Dewan Komisaris pada tanggal established by the Board of Commissioners on
25 Oktober 2023. 25 October 2023.
Struktur Keanggotaan, Keahlian, dan Independensi Membership Structure, Expertise, and
Anggota Komite Audit Independence of Audit Committee Members
Mengacu kepada POJK No. 17 Tahun 2023 tentang Referring to POJK No. 17 of 2023 concerning the
Penerapan Tata Kelola bagi Bank Umum, keanggotaan Implementation of Governance for Commercial
Komite Audit terdiri dari: Banks, the Audit Committee membership consists of:
196 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KOMITE AUDIT
Audit Committee
• Ketua merangkap anggota yang merupakan • Chairman who is also an Independent
Komisaris Independen, Commissioner,
• Satu orang dari Pihak Independen yang memiliki • One person from Independent Party who has
keahlian di bidang keuangan atau akuntansi dan 1 expertise in finance or accounting and 1 (one)
(satu) orang dari Pihak Independen yang memiliki person from Independent Party who has expertise
keahlian di bidang hukum atau perbankan, in law or banking,
Komisaris Independen dan Pihak Independen paling Independent Commissioners and Independent
sedikit berjumlah 51% dari jumlah anggota Komite Parties account for at least 51% of the Audit Committee
Audit. members.
Susunan keanggotaan Komite Audit tahun 2023 The composition of the Audit Committee membership
adalah sebagai berikut: in 2023 is as follows:
Jabatan
Masa
Nama di Komite Jabatan di Perusahaan Dasar Pengangkatan
Jabatan
Name Position in the Position in the Company Appointment Basis
Period
Committee
Prof. Adrianus Ketua Komisaris Independen Surat Keputusan Dewan Komisaris No.
2023 – 2026
Mooy, M.Sc., Ph.D. Chairman Independent Commissioner 001/SK/KOM/III/11 tanggal 28 Maret 2011
Anggota Komisaris Independen tentang Pembentukan Komite Audit, dan
Dewi Pandamsari Surat Keputusan Direksi No. 060/SK/ 2023 – 2026
Member Independent Commissioner
DIR/VII/2023 tanggal 18 Juli 2023 tentang
Anggota Komisaris Independen Pengangkatan Anggota Komite Audit
Tjindrasa Ng 2023 – 2026
Member Independent Commissioner tentang Pengangkatan Anggota Komite
Anggota Pihak Independen Audit
I Nyoman Tjager 2023 – 2026
Member Independent Party
Board of Commissioners Decree No. 001/
SK/KOM/III/11 dated 28 March 2011 on
the Establishment of Audit Committee,
Kristiana Anggota Pihak Independen and Board of Directors Decree No. 060/ 2023 - 2026
Hardiyati Member Independent Party SK/DIR/VII/2023 dated 18 July 2023 on
the Appointment of Audit Committee
Members
Masa Jabatan Komite Committee Tenure
Periode jabatan dari tanggal 15 Juni 2023 sampai The term of office is 13 March 2023 until the closing
dengan ditutupnya RUPST Perseroan pada tahun of the Company’s AGMS in 2024, without prejudice to
2025, dengan tidak mengurangi hak dan wewenang the rights and authorities of the Company’s Board of
Dewan Komisaris Perseroan untuk melakukan Commissioners to discharge and replace the Audit
pemberhentian dan/atau penggantian sebelum Committee members prior to the end of tenure.
masa tugas berakhir.
Profil Keanggotaan Komite Audit Audit Committee Membership Profile
Anggota Komite Audit memiliki keahlian dan Audit Committee members have expertise and
pengalaman sesuai dengan POJK No.17 Tahun 2023. experience in accordance with POJK No.17 of 2023. The
Keanggotaan Komite Audit terdiri dari anggota Dewan Audit Committee membership consists of members
Komisaris dan Pihak Independen. Profil anggota of the Board of Commissioners and Independent
Komite Audit yang merupakan anggota Dewan Parties. The profile of Audit Committee members
Komisaris telah disajikan pada Laporan Tahunan 2023 who are members of the Board of Commissioners
di bagian profil Dewan Komisaris dan profil anggota has been presented in the 2023 Annual Report in the
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 197
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TATA KELOLA PERUSAHAAN
Corporate Governance
KOMITE AUDIT
Audit Committee
Komite Audit yang merupakan Pihak Independen Board of Commissioners profile section and the profile
telah disajikan pada Laporan Tahunan 2023 di bagian of Audit Committee members who are Independent
profil Anggota Komite. Parties has been presented in the 2023 Annual Report
in the Committee Members profile section.
Independensi Komite Audit Independence of the Audit Committee
Anggota Komite Audit tidak memiliki hubungan The Audit Committee members have no family
keluarga, hubungan keuangan, hubungan relationship, financial relationship, management
kepengurusan, maupun hubungan kepemilikan relationship or share ownership relationship with
saham dengan anggota Dewan Komisaris, Direksi members of the Board of Commissioners, Board of
termasuk sesama anggota komite lain. Directors, including with other committee members.
Tugas dan Tanggung Jawab Komite Audit Duties and Responsibilities of the Audit Committee
Sesuai dengan POJK No. 17 Tahun 2023 tentang In accordance with POJK No. 17 of 2023 concerning
Penerapan Tata Kelola bagi Bank Umum, maka tugas the Implementation of Governance for Commercial
dan tanggung jawab Komite Audit adalah sebagai Banks, the duties and responsibilities of the Audit
berikut: Committee are as follows:
• Menjalankan monitoring serta evaluasi atas • Monitoring and evaluating the Audits planning and
perencanaan dan pelaksanaan Audit serta implementation as well as monitoring the follow up
pemantauan tindak lanjut hasil audit untuk of audit results to assess the adequacy of internal
menilai kecukupan pengendalian intern termasuk control, including the adequacy of the financial
kecukupan proses pelaporan keuangan. reporting process.
• Komite Audit melakukan pemantauan dan • The Audit Committee carries out the monitoring
evaluasi terhadap: and assessment on:
• Pelaksanaan tugas SKAI; • Implementation of SKAI duties;
• Kesesuaian pelaksanaan audit oleh Kantor • The conformity of the Audit Performances by the
Akuntan Publik (KAP) dengan standar yang Public Accountant Firm (KAP) with the applicable
berlaku; standards;
• Kesesuaian laporan keuangan dengan standar • The conformity of financial reports with the
akuntansi yang berlaku; dan applicable accounting standards; and
• Pelaksanaan tindaklanjut oleh Direksi atas • Implementation of follow-up actions by the
hasil pengawasan Otoritas Jasa Keuangan Board of Directors on the Financial Service
guna memberikan rekomendasi kepada Dewan Authority’s supervision result in order to provide
Komisaris. recommendations to the Board of Commissioners.
• Memberikan rekomendasi mengenai penunjukan • Provide recommendations regarding the
KAP kepada Dewan Komisaris untuk disampaikan appointment of KAP to the Board of Commissioners
kepada RUPS. for submission to the GMS.
Selain hal tersebut diatas, tugas Komite Audit adalah In addition to the above, the Audit Committee duties
sebagai berikut: are as follows:
• Melakukan penelaahan atas informasi keuangan • Review the financial information to be issued by
yang akan dikeluarkan Perseroan kepada publik the Company to the public and/or authorities.
dan/atau pihak otoritas.
• Melakukan penelaahan atas ketaatan • Review the compliance with laws and regulations
terhadap peraturan perundang-undangan yang relating to activities of the Company.
berhubungan dengan kegiatan Perseroan.
• Memberikan pendapat independen dalam hal • Provide independent opinion in the event of
terjadi perbedaan pendapat antara manajemen disagreements between management and KAP
dan KAP atas jasa yang diberikannya. for the services provided.
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KOMITE AUDIT
Audit Committee
• Memberikan rekomendasi kepada Dewan • Provide recommendations to the Board of
Komisaris mengenai penunjukan KAP yang Commissioners regarding the appointment of KAP
didasarkan pada independensi, ruang lingkup based on independence, scope of assignment and
penugasan, dan imbalan jasa. service fees.
• Melakukan penelaahan atas pelaksanaan • Review the implementation of audits by the internal
pemeriksaan oleh auditor internal dan mengawasi auditors and supervising the implementation of
pelaksanaan tindak lanjut oleh Direksi atas follow-ups by the Board of Directors on the findings
temuan auditor internal. of the internal auditors.
• Melakukan penelaahan pengaduan yang • Review the complaints related to the accounting
berkaitan dengan proses akuntansi dan pelaporan and financial reporting processes of the Issuer or
keuangan Emiten atau Perusahaan Publik. Public Company.
• Menelaah dan memberikan saran kepada Dewan • Review and provide advice to the Board of
Komisaris terkait dengan adanya potensi benturan Commissioners related to potential conflict of
kepentingan Emiten atau Perusahaan Publik. interests of the Issuer or Public Company.
• Menjaga kerahasiaan dokumen, data dan • Maintain the confidentiality of documents, data,
informasi Emiten atau Perusahaan Publik. and information of the Issuer or Public Company.
Pelatihan Komite Audit Audit Committee Training
Pendidikan dan pelatihan anggota Komite Audit The Audit Committee education and training is
dapat dilihat di Bab Profil Perusahaan dalam Laporan presented in the Company Profile Chapter of this
Tahunan ini. Annual Report.
Rapat Komite Audit Audit Committee Meeting
Berdasarkan Piagam Komite Audit, pelaksanaan rapat Based on the Audit Committee Charter, meetings can
hanya dapat diselenggarakan apabila dihadiri paling only be held if attended by at least 51% of the total
kurang 51% dari total anggota, termasuk Komisaris members, including Independent Commissioners
Independen dan Pihak Independen. Sepanjang tahun and Independent Parties. Throughout 2023, the Audit
2023, Komite Audit telah menyelenggarakan Rapat Committee has held 8 (eight) meetings and always
sebanyak 8 (delapan) kali dan selalu kuorum. had a quorum.
Dibawah ini adalah frekuensi kehadiran dalam rapat Below is the frequency of attendance at Audit
Komite Audit: Committee meetings:
Nama Jabatan Jumlah Kehadiran % Kehadiran
Name Position Number of Attendance % Attendance
Prof. Adrianus Mooy, Ketua Komite
5/8 62,5%
M.Sc., Ph.D Head of Committee
Anggota Komite
Dewi Pandamsari 8/8 100%
Member of Committee
Anggota Komite
Tjindrasa Ng 8/8 100%
Member of Committee
Anggota Komite
I Nyoman Tjager 7/8 87,5%
Member of Committee
Anggota Komite
Kristiana Hardiyati 8/8 100%
Member of Committee
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 199
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TATA KELOLA PERUSAHAAN
Corporate Governance
KOMITE AUDIT
Audit Committee
Pelaksanaan Kegiatan Komite Audit Implementation of Audit Committee Activities
Selama tahun 2023, Komite Audit telah melaksanakan During 2023, the Audit Committee has carried out its
tugasnya dengan melakukan kegiatan berupa rapat duties by carrying out activities in the form of meetings
sebagai berikut: as follows:
Tanggal Agenda Rapat & Kegiatan 2023
Date Meeting Agenda & Activities in 2023
19-01-2023 • Monitoring Tindak Lanjut Hasil Audit – Status per 31 Desember 2022.
• Pencapaian Rencana Kerja SKAI per 31 Desember 2022.
• Laporan Pelaksanaan Pokok- Pokok Hasil Pemeriksaan Semester II – 2022.
• Follow-up Monitoring of Audit Results – Status as of December 31, 2022.
• Achievement of SKAI Work Plan as of December 31, 2022.
• Report on the Implementation of the Examination Results for the Second Semester – 2022.
16-03-2023 • Paparan Hasil Audit oleh KAP RSM Indonesia atas Laporan Keuangan per 31 Desember 2022.
• Laporan Komite Audit.
• Monitoring Tindak Lanjut Hasil Audit – Status per 28 Februari 2023.
• Presentation of Audit Results by KAP RSM Indonesia on Financial Statements as of December 31, 2022.
• Audit Committee Report.
• Monitoring of Follow-up Audit Results – Status as of February 28, 2023.
17-05-2023 • Laporan Evaluasi Komite Audit atas Pelaksanaan Jasa Audit Oleh KAP RSM Indonesia – Persetujuan.
• Penunjukan KAP untuk Reviu Quality Assurance 3 Tahunan Fungsi SKAI – Persetujuan.
• Monitoring Tindak Lanjut Hasil Audit – Status per 30 April 2023.
• Fraud case pemberian KUR di Kantor Cabang Jambi.
• Telaah Laporan Keuangan per 31 Maret 2023
• Audit Committee Evaluation Report on the Implementation of Audit Services by KAP RSM Indonesia –
Approval.
• Appointment of KAP for 3-Year Quality Assurance Review SKAI Function – Approval.
• Monitoring of Follow-up Audit Results – Status as of April 30, 2023.
• Fraud case of KUR provision at Jambi Branch Office.
• Review the Financial Statements as of March 31, 2023.
20-07-2023 • Kick off Meeting: Kaji Ulang Tiga Tahunan atas Fungsi SKAI.
• Matter Arise – Hasil Visit Debitur KUR di Cabang- Cabang.
• Monitoring Tindak Lanjut Hasil Audit – Status per 30 Juni 2023.
• Pencapaian Rencana Kerja SKAI Semester I/2023.
• Telaah Laporan Keuangan 30 Juni 2023.
• Kick off Meeting: A Triennial Review of SKAI’s Functionality.
• Matter Arise – Results of KUR Debtor Visit at Branches.
• Monitoring of Follow-up Audit Results – Status as of June 30, 2023.
• Achievement of SKAI Work Plan Semester I/2023.
• Review of Financial Statements June 30, 2023.
20-09-2023 • Exit Meeting Kaji Ulang Tiga Tahunan atas Kinerja SKAI.
• Matter Arise – Hasil Visit Debitur KUR di Cabang- Cabang.
• Penunjukan KAP & AP Untuk Pemeriksaan Tahun Buku 2023 – Persetujuan.
• Pengkinian Piagam Komite Audit.
• Monitoring Tindak Lanjut Hasil Audit – Status per 31 Agustus 2023.
200 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KOMITE AUDIT
Audit Committee
Tanggal Agenda Rapat & Kegiatan 2023
Date Meeting Agenda & Activities in 2023
• Exit Meeting Quarterly Review of SKAI’s Performance.
• Matter Arise – Results of KUR Debtor Visit at Branches
• KAP & AP Appointment for Examination for Financial Year 2023 – Approval.
• Updating the Audit Committee Charter.
• Monitoring of Follow-up Audit Results – Status as of August 31, 2023.
25-10-2023 • Pengkinian Piagam Komite Audit – Persetujuan Ulang.
• Monitoring Tindak Lanjut Hasil Audit – Status per 30 September 2023.
• Laporan Realisasi atas Kinerja SKAI Per 30 September 2023.
• Internal Fraud: KCP Serang.
• Telaah Laporan Keuangan 30 September 2023.
• Audit Committee Charter Update – Reapproval.
• Follow-up Monitoring of Audit Results – Status as of September 30, 2023.
• Realization Report on SKAI Performance as of September 30, 2023.
• Internal Fraud: KCP Serang.
• Review of Financial Statements September 30, 2023.
24-11-2023 • Monitoring Tindak Lanjut Hasil Audit – Status per 23 November 2023.
• Pencapaian Rencana Kerja Audit Per 23 November 2023.
• Tugas & Tanggung Jawab Komite Audit.
• Rencana Kerja Tahunan (RKT) Internal Audit Tahun 2024 – Persetujuan.
• Annual Work Plan (RKT) Internal Audit Year 2023 – Approval.
• Monitoring of Follow-up Audit Results – Status as of November 23, 2023.
• Achievement of the audit work plan as of November 23, 2023.
• Duties & Responsibilities of Audit Committee.
• Internal Audit Annual Work Plan (CTR) 2024 – Approval.
• Annual Work Plan (CTR) Internal Audit Year 2023 – Approval.
20-12-2023 • Monitoring Tindak Lanjut Hasil Audit – Status Per 30 November 2023.
• Follow-up monitoring of audit results – status as of November 30, 2023.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 201
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TATA KELOLA PERUSAHAAN
Corporate Governance
KOMITE PEMANTAU RISIKO
Risk Monitoring Committee
Komite Pemantau Risiko dibentuk dan bertanggung The Risk Monitoring Committee is established and
jawab kepada Dewan Komisaris Perseroan. Komite is responsible to the Board of Commissioners of
ini berperan untuk membantu pelaksanaan tugas the Company. The Committee’s role is to assist in
dan kewajiban yang berkaitan dengan pengawasan the efficient performance of duties and obligations
manajemen risiko secara efisien, pengembangan of risk management oversight, the development of
budaya manajemen risiko, dan identifikasi risiko- a risk management culture, and the identification
risiko penting yang memerlukan perhatian Dewan of important risks that require the Board of
Komisaris. Commissioners’ attention.
Komite Pemantau Risiko dibentuk berdasarkan: The Risk Monitoring Committee was established
based on:
1. Peraturan OJK No. 17 Tahun 2023 tentang 1. OJK Regulation No. 17b year 2023 on the
Penerapan Tata Kelola bagi Bank Umum; Implementation of Governance for Commercial
Banks;
2. Anggaran Dasar PT Bank Nationalnobu Tbk 2. Articles of Association of PT Bank Nationalnobu
beserta perubahannya; dan; Tbk and its amendments; and
3. Surat-surat Keputusan Dewan Komisaris yang 3. The Decrees of the Board of Commissioners
di antaranya melalui Surat Keputusan Direksi include through the Decree of the Board of
No. 0061/SK/DIR/VII/2023 tanggal 18 Juli 2023 Directors No. 0061/SK/DIR/VII/2023 dated 18 July
tentang Pengangkatan Anggota Komite Pemantau 2023 concerning the Appointment of Members of
Risiko serta Surat Keputusan Direksi No. 102/ the Risk Monitoring Committee and the Decree of
SK/DIR/III/2022 tanggal 7 Maret 2022 tentang the Board of Directors No. 102/SK/DIR/III/2022
Pengangkatan Kristiana Hardiyati sebagai dated 7 March 2022 concerning the Appointment
Anggota Komite Pemantau Risiko. of Kristiana Hardiyati as a Member of the Risk
Monitoring Committee.
Piagam Manajemen Risiko Risk Management Charter
Perseroan telah memiliki Piagam Manajemen Risiko The Company has a Risk Management Charter which
yang ditetapkan oleh Dewan Komisaris pada tanggal was established by the Board of Commissioners on 19
19 September 2019. September 2019.
Struktur Keanggotaan, Keahlian, dan Independensi Membership Structure, Expertise, and
Anggota Komite Pemantau Risiko Independence of Risk Monitoring Committee
Members
Mengacu kepada Peraturan OJK No. 17 Tahun 2023 Referring to OJK Regulation No. 17 year 2023
tentang Penerapan Tata Kelola bagi Bank Umum, concerning Corporate Governance Implementation
keanggotaan Komite Pemantau Risiko terdiri dari: for Commercial Banks, the Risk Monitoring Committee
members consists of:
1. Ketua merangkap anggota yang merupakan 1. Chairman concurrently a member who is an
Komisaris Independen, Independent Commissioner.
2. Satu orang dari Pihak Independen yang memiliki 2. One member from an Independent Party with
keahlian di bidang keuangan dan 1 (satu) orang expertise in finance and 1 (one) member from
dari Pihak Independen yang memiliki keahlian di an Independent Party with expertise in risk
bidang manajemen risiko, yang memiliki sertifikat management, who have a risk management
manajemen risiko sebagaimana yang berlaku certificate as applicable to the Board of Directors;
bagi Direksi;
3. Komisaris Independen dan Pihak Independen 3. Independent Commissioner and Independent
paling sedikit berjumlah 51% dari jumlah anggota Parties are at least 51% of the total members of the
Komite Pemantau Risiko. Risk Monitoring Committee.
202 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KOMITE PEMANTAU RISIKO
Risk Monitoring Committee
Susunan keanggotaan Komite Pemantau Risiko The Membership composition of the 2023 Risk
tahun 2023 adalah sebagai berikut: Monitoring Committee is as follows:
Jabatan di
Masa
Nama Komite Jabatan di Perusahaan Dasar Pengangkatan
Jabatan
Name Position in the Position in the Company Appointment Basis
Period
Committee
Ketua Komisaris Independen Surat Keputusan Direksi No. 0061/
Tjindrasa Ng 2023 – 2026
Chairman Independent Commissioner SK/DIR/VII/2023 tanggal 18 Juli 2023
Prof. Adrianus Anggota Komisaris Independen tentang Pengangkatan Anggota Komite
Pemantau Risiko serta Surat Keputusan 2023 – 2026
Mooy, M.Sc., Ph.D. Member Independent Commissioner
Direksi No. 102/SK/DIR/III/2022 tanggal
Anggota Komisaris Independen 7 Maret 2022 tentang Pengangkatan
Dewi Pandamsari 2023 – 2026
Member Independent Commissioner Kristiana Hardiyati sebagai Anggota
Anggota Pihak Independen Komite Pemantau Risiko.
I Nyoman Tjager 2023 – 2026
Member Independent Party
Decree of the Board of Directors No.
0061/SK/DIR/VII/2023 dated 18 July 2023
concerning the Appointment of Members
of the Risk Monitoring Committee and
Kristiana Anggota Pihak Independen the Decree of the Board of Directors No. 2023 - 2026
Hardiyati Member Independent Party 102/SK/DIR/III/2022 dated 7 March 2022
concerning the Appointment of Kristiana
Hardiyati as a Member of the Risk
Monitoring Committee.
Masa Jabatan Komite Committee Tenure
Periode jabatan dari tanggal 15 Juni 2023 sampai The term of office is March 13, 2023 until the closing
dengan ditutupnya RUPST Perseroan pada tahun of the Company’s AGMS in 2024, without prejudice to
2025, dengan tidak mengurangi hak dan wewenang the rights and authorities of the Company’s Board of
Dewan Komisaris Perseroan untuk melakukan Commissioners to discharge and replace the Audit
pemberhentian dan/atau penggantian sebelum Committee members prior to the end of tenure.
masa tugas berakhir.
Profil Keanggotaan Komite Pemantau Risiko Risk Monitoring Committee Membership Profile
Anggota Komite Pemantau Risiko memiliki keahlian Members of the Risk Monitoring Committee have
dan pengalaman sesuai dengan Peraturan OJK No. expertise and experience in accordance with OJK
17 Tahun 2023. Keanggotaan Komite Pemantau Risiko Regulation No. 17 of 2023. The membership of the Risk
terdiri dari anggota Dewan Komisaris dan Pihak Monitoring Committee consists of members of the
Independen. Board of Commissioners and Independent Parties.
Profil anggota Komite Pemantau Risiko yang Profiles of members of the Risk Monitoring Committee
merupakan anggota Dewan Komisaris telah disajikan who are members of the Board of Commissioners
pada Laporan Tahunan 2023 di bagian profil Dewan have been presented in the 2023 Annual Report in the
Komisaris dan profil anggota Komite Pemantau Risiko profile section of the Board of Commissioners and
yang merupakan Pihak Independen telah disajikan profiles of members of the Risk Monitoring Committee
pada Laporan Tahunan 2023 di bagian profil Anggota who are Independent Parties have been presented in
Komite. the 2023 Annual Report in the Profile of Committee
Members section.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 203
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TATA KELOLA PERUSAHAAN
Corporate Governance
KOMITE PEMANTAU RISIKO
Risk Monitoring Committee
Independensi Komite Pemantau Risiko Independence of the Risk Monitoring
Anggota Komite Pemantau Risiko tidak memiliki Members of the Risk Monitoring Committee do not
hubungan keuangan, kepengurusan, kepemilikan have financial, management, shareholding and/or
saham dan/atau hubungan keluarga dengan anggota family relationships with members of the Board of
Dewan Komisaris, Direksi dan/atau pemegang Commissioners, Board of Directors and/or controlling
saham pengendali atau hubungan lain yang dapat shareholders or other relationships that may affect
mempengaruhi kemampuannya dalam bertindak their ability to act independently.
independen.
Tugas dan Tanggung Jawab Komite Pemantau Duties and Responsibilities of the Risk Monitoring
Risiko Committee
Sesuai dengan Peraturan OJK No. 17 Tahun 2023 In accordance with OJK Regulation No. 17 of 2023 on
tentang Penerapan Tata Kelola bagi Bank Umum, the Implementation of Governance for Commercial
maka tugas dan tanggung jawab Komite Pemantau Banks, the duties and responsibilities of the Risk
Risiko adalah sebagai berikut: Monitoring Committee are as follows:
• Mengevaluasi atas kesesuaian antara Kebijakan • Evaluate the conformity between the Risk
Manajemen Risiko dengan pelaksanaan kebijakan Management Policy and the implementation of
Bank. the Bank’s policy.
• Pemantauan dan evaluasi pelaksanaan tugas • Monitoring and evaluation of the implementation
Komite Manajemen Risiko dan Satuan Kerja of the duties of the Risk Management Committee
Manajemen Risiko. and Risk Management Unit.
• Melakukan kaji ulang (review) atas laporan yang • Review the reports received from the Risk
diterima dari Komite Manajemen Risiko untuk Management Committee to subsequently submit
selanjutnya menyampaikan ringkasan mengenai a summary of important matters to the Board of
hal-hal penting kepada Dewan Komisaris. Commissioners.
• Melakukan kaji ulang mengenai fungsi dan • Review the functions and performance of the
kinerja Komite Manajemen Risiko kepada Dewan Risk Management Committee to the Board of
Komisaris. Commissioners.
• Melakukan pengawasan terhadap penerapan • Supervise the implementation of risk management
manajemen risiko terkait country risk dan transfer related to country risk and transfer risk carried
risk yang dilakukan Bank termasuk pelaksanaan out by the Bank, including the implementation of
evaluasi oleh pengujian (stres testing). evaluation by testing (stress testing).
• Menyampaikan rekomendasi kepada Dewan • Submit recommendations to the Board of
Komisaris tentang evaluasi dan pemantauan Commissioners on the evaluation and monitoring
aktivitas manajemen risiko. of risk management activities.
• Rekomendasi dari Komite Pemantau Risiko harus • Recommendations from the Risk Monitoring
diserahkan kepada Dewan Komisaris untuk Committee must be submitted to the Board of
mendapatkan persetujuan. Commissioners for approval.
• Dalam periode selama tahun 2023, Komite • In the period during 2023, the Risk Monitoring
Pemantau Risiko telah menjalankan tugasnya Committee has carried out its duties related to
yang berkaitan dengan pemantauan (monitoring), monitoring, risk management activities, such as:
aktivitas manajemen risiko, seperti:
- Pemantauan atas Penilaian Tingkat Kesehatan - Monitoring of the Bank’s Health Level
Bank antara lain Penilaian atas Profil Risiko, Assessment, including Assessment of the
Penerapan Tata kelola, Rentabilitas, dan Company’s Risk Profile, Implementation of
Permodalan Perseroan, Governance, Profitability, and Capital,
- Pemantauan atas mitigasi Risiko Operasional, - Monitoring of mitigation of Operational
Risiko Kredit, Risiko Likuiditas, Risiko Pasar, Risk, Credit Risk, Liquidity Risk, Market Risk,
Risiko Reputasi dan Risiko Counterparty, Reputation Risk and Counterparty Risk,
204 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KOMITE PEMANTAU RISIKO
Risk Monitoring Committee
- Penetapan Risk Tolerance, Risk Appetite, dan - Determination of Risk Tolerance, Risk Appetite,
limit atas Risiko Kredit, Risiko Pasar dan Risiko and limits on Credit Risk, Market Risk and
Operasional. Operational Risk.
- Persetujuan trigger loss limit portofolio Surat - Approval of the trigger loss limit of the AFS
Berharga AFS. Securities portfolio.
Pelatihan Komite Pemantau Risiko Risk Monitoring Committee Training
Pendidikan dan pelatihan anggota Komite Pemantau The Risk Monitoring Committee education and
Risiko dapat dilihat di Bab Profil Perusahaan dalam training is presented in the Company Profile Chapter
Laporan Tahunan ini. of this Annual Report.
Rapat Komite Pemantau Risiko Risk Monitoring Committee Meetings
Pelaksanaan rapat hanya dapat diselenggarakan Meetings can only be held if attended by at least
apabila dihadiri paling kurang 51% dari total 51% of the total members, including Independent
anggota, termasuk Komisaris Independen dan Pihak Commissioners and Independent Parties. Throughout
Independen. Sepanjang tahun 2023, Komite Pemantau 2023, the Risk Monitoring Committee has held 8
Risiko telah menyelenggarakan Rapat sebanyak 8 (eight) meetings and always had a quorum. Below
(delapan) kali dan selalu kuorum. Dibawah ini adalah is the frequency of attendance at Risk Monitoring
frekuensi kehadiran dalam rapat Komite Pemantau Committee meetings:
Risiko:
Nama Jabatan Jumlah Kehadiran % Kehadiran
Name Position Number of Attendance % Attendance
Ketua Komite 8/8 100%
Tjindrasa Ng
Head of Committee
Anggota Komite 5/8 62,5%
Prof. Adrianus Mooy, M.Sc., Ph.D
Member of Committee
Anggota Komite 8/8 100%
Dewi Pandamsari
Member of Committee
Anggota Komite 7/8 87,5%
I Nyoman Tjager
Member of Committee
Anggota Komite 8/8 100%
Kristiana Hardiyati
Member of Committee
Pelaksanaan Kegiatan Komite Pemantau Risiko Implementation of Risk Monitoring Committee
Activities
Selama tahun 2023, Komite Pemantau Risiko telah During 2023, the Risk Monitoring Committee has
melaksanakan tugasnya dengan melakukan kegiatan carried out its duties by carrying out the following
berupa rapat sebagai berikut: meetings:
Tanggal Agenda Rapat & Kegiatan Komite 2023
Date Meeting Agenda & Committee Activity in 2023
19-01-2023 • Matters Arise & Ratification. • Matters Arise & Ratification.
• Risk Based Bank Rating. • Risk Based Bank Rating.
• Risk Appetite & Permodalan. • Risk Appetite & Capital.
• Risiko Operasional. • Operational Risk.
• Risiko Kredit. • Credit Risk.
• Risiko Likuiditas. • Liquidity Risk.
• Risiko Pasar dan Counterparty. • Market and Counterparty Risk.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 205
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TATA KELOLA PERUSAHAAN
Corporate Governance
KOMITE PEMANTAU RISIKO
Risk Monitoring Committee
Tanggal Agenda Rapat & Kegiatan Komite 2023
Date Meeting Agenda & Committee Activity in 2023
16-03-2023 • Matters Arise & Ratification. • Matters Arise & Ratification.
• Risk Based Bank Rating. • Risk Based Bank Rating.
• Risk Appetite & Permodalan. • Risk Appetite & Capital.
• Risiko Operasional. • Operational Risk.
• Risiko Kredit. • Credit Risk.
• Risiko Likuiditas. • Liquidity Risk.
• Risiko Pasar dan Counterparty. • Market and Counterparty Risk.
17-05-2023 • Matters Arise & Ratification. • Matters Arise & Ratification.
• Risk Based Bank Rating. • Risk Based Bank Rating.
• Risk Appetite & Permodalan. • Risk Appetite & Capital.
• Risiko Operasional, • Operational Risk.
• Risiko Kredit. • Credit Risk.
• Risiko Likuiditas. • Liquidity Risk.
• Risiko Pasar dan Counterparty. • Market and Counterparty Risk.
20-07-2023 • Matters Arise & Ratification. • Matters Arise & Ratification.
• Risk Based Bank Rating. • Risk Based Bank Rating.
• Risk Appetite & Permodalan. • Risk Appetite & Capital.
• Risiko Operasional. • Operational Risk.
• Risiko Kredit. • Credit Risk.
• Risiko Likuiditas. • Liquidity Risk.
• Risiko Pasar dan Counterparty. • Market and Counterparty Risk.
20-09-2023 • Matters Arise & Ratification. • Matters Arise & Ratification.
• Risk Based Bank Rating. • Risk Based Bank Rating.
• Risk Appetite & Permodalan. • Risk Appetite & Capital.
• Risiko Operasional. • Operational Risk.
• Risiko Kredit. • Credit Risk.
• Risiko Likuiditas. • Liquidity Risk.
• Risiko Pasar dan Counterparty. • Market and Counterparty Risk.
25-10-2023 • Matters Arise & Ratification. • Matters Arise & Ratification.
• Usulan Limit Sektor Ekonomi. • Proposed Economic Sector Limits.
• Risk Based Bank Rating. • Risk Based Bank Rating.
• Risk Appetite, Risk Tolerance, & Limit. • Risk Appetite, Risk Tolerance, & Limit.
• Risiko Operasional. • Operational Risk.
• Risiko Kredit. • Credit Risk.
• Risiko Likuiditas. • Liquidity Risk.
• Risiko Pasar dan Counterparty. • Market and Counterparty Risk.
24-11-2023 • Matters Arise & Ratification. • Matters Arise & Ratification.
• Risk Based Bank Rating. • Risk Based Bank Rating.
• Risk Appetite & Permodalan. • Risk Appetite & Capital.
• Risiko Operasional. • Operational Risk.
• Risiko Kredit. • Credit Risk.
• Risiko Likuiditas. • Liquidity Risk.
• Risiko Pasar dan Counterparty. • Market and Counterparty Risk.
20-12-2023 • Matters Arise & Ratification. • Matters Arise & Ratification.
• Usulan Limit Sektor Ekonomi. • Proposed Economic Sector Limits.
• Risk Based Bank Rating. • Risk Based Bank Rating.
• Risk Appetite, Risk Tolerance, & Limit. • Risk Appetite, Risk Tolerance, & Limit.
• Risiko Operasional. • Operational Risk.
• Risiko Kredit. • Credit Risk.
• Risiko Likuiditas. • Liquidity Risk.
• Risiko Pasar dan Counterparty. • Market and Counterparty Risk.
206 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 209
KOMITE REMUNERASI DAN NOMINASI
Remuneration and Nomination Committee
Komite Remunerasi dan Nominasi dibentuk untuk The Remuneration and Nomination Committee was
mendukung efektivitas tugas Dewan Komisaris dan established to support the effectiveness of the Board
memastikan bahwa komposisi Dewan Komisaris of Commissioners duties and to ensure the diversity of
dan Direksi memiliki keberagaman keanggotaan dan the composition of the Board of Commissioners and
terdiri dari individu dengan standar integritas tertinggi. Board of Directors and composed of individuals with
Selain itu Komite Remunerasi dan Nominasi juga the highest integrity. In addition, the Committee is also
bertugas untuk memberikan rekomendasi kepada tasked to provide recommendations to the Boards in
Dewan Komisaris terkait paket remunerasi untuk relation to the remuneration package of members of
anggota Direksi dan Dewan Komisaris. the Board of Commissioners and Board of Directors.
Komite Remunerasi dan Nominasi dibentuk The Remuneration and Nomination Committee is
berdasarkan: established based on:
1. Peraturan OJK No. 17 tahun 2023 tentang 1. OJK Regulation No. 7 Year 2023 on the
Penerapan Tata Kelola bagi Bank Umum, Implementation of Governance for Commercial
Banks,
2. Anggaran Dasar PT Bank Nationalnobu Tbk 2. Articles of Association of PT Bank Nationalnobu
beserta perubahannya, dan Tbk and its amendments, and
3. Surat Keputusan Dewan Komisaris No. 004/SK/ 3. Board of Commissioners Decree No. 004/SK/
KOM/XI/11 tanggal 7 November 2011, dan Surat KOM/XI/11 dated 7 November 2011, and Board of
Keputusan Direksi No. 281/SK/DIR/VII/2020 Directors Decree No. 281/SK/DIR/VII/2020 dated
tanggal 27 Juli 2020 tentang Pengangkatan 27 July 2020 on the Appointment of Remuneration
Anggota Komite Remunerasi dan Nominasi. and Nomination Committee Members.
Piagam Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Charter
Perseroan telah memiliki Piagam Komite Remunerasi The Company has a Remuneration and Nomination
dan Nominasi yang ditetapkan oleh Dewan Komisaris Committee Charter which was established by the
pada tanggal 18 Mei 2016 Board of Commissioners on May 18th, 2016.
Struktur Keanggotaan, Keahlian, dan Independensi Membership Structure, Expertise, and
Anggota Komite Independence of Committee Members
Mengacu kepada Peraturan OJK No. 17 Tahun 2023 Pursuant to OJK Regulation No. 17 Year 2023 on the
tentang Penerapan Tata Kelola bagi Bank Umum, Implementation of Governance for Commercial
keanggotaan Komite Remunerasi dan Nominasi Banks, the membership of the Remuneration and
terdiri dari: Nomination Committee consists of:
1. Ketua merangkap anggota yang merupakan 1. Chairman concurrently a member who is an
Komisaris Independen, Independent Commissioner,
2. Satu orang Komisaris, dan 2. One Commissioner, and
3. Satu orang Pejabat Eksekutif yang membawahkan 3. One Executive Officer in charge of the human
fungsi sumber daya manusia atau 1 (satu) orang resources function or 1 (one) employee
perwakilan pegawai. representative.
Susunan keanggotaan Komite Remunerasi dan The membership composition of the 2023
Nominasi tahun 2023 adalah sebagai berikut: Remuneration and Nomination Committee is as
follows:
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 207
Page 210
TATA KELOLA PERUSAHAAN
Corporate Governance
KOMITE REMUNERASI DAN NOMINASI
Remuneration and Nomination Committee
Jabatan di
Masa
Nama Komite Jabatan di Perusahaan Dasar Pengangkatan
Jabatan
Name Position in the Position in the Company Appointment Basis
Period
Committee
Komisaris Independen Surat Keputusan Dewan Komisaris No.
Prof. Adrianus Ketua
Independent 004/SK/KOM/XI/11 tanggal 7 November 2023 - 2025
Mooy, M.Sc., Ph.D. Chairman
Commissioner 2011, dan Surat Keputusan Direksi No.
Komisaris Independen 281/SK/DIR/VII/2020 tanggal 27 Juli 2020
Anggota tentang Pengangkatan Anggota Komite
Tjindrasa Ng Independent 2023 - 2025
Member Remunerasi dan Nominasi.
Commissioner
Board of Commissioners Decree No. 004/
SK/KOM/XI/11 dated 7 November 2011,
Chandra Anggota Kepala Group SDM and Board of Directors Decree No. 281/ 2023 - 2025
Kusdianto Member Head of HR Group SK/DIR/VII/2020 dated 27 July 2020 on
the Appointment of Remuneration and
Nomination Committee Members.
Masa Jabatan Komite Committee Tenure
Periode jabatan dari tanggal 15 Juni 2023 sampai The term of office is 13 March 2023 until the closing
dengan ditutupnya RUPST Perseroan pada tahun of the Company’s AGMS in 2024, without prejudice to
2025, dengan tidak mengurangi hak dan wewenang the rights and authorities of the Company’s Board of
Dewan Komisaris Perseroan untuk melakukan Commissioners to discharge and replace the Audit
pemberhentian dan/atau penggantian sebelum Committee members prior to the end of tenure.
masa tugas berakhir.
Profil Keanggotaan Komite Remunerasi dan Remuneration and Nomination Committee
Nominasi Members Profile
Anggota Komite Remunerasi dan Nominasi memiliki Members of the Remuneration and Nomination
keahlian dan pengalaman sesuai dengan Peraturan Committee have expertise and experience in
OJK No. 17 Tahun 2023. Keanggotaan Komite accordance with OJK Regulation No. 17 Year 2023. The
Remunerasi dan Nominasi terdiri dari anggota Dewan membership of the Remuneration and Nomination
Komisaris dan Pejabat Eksekutif yang membawahkan Committee consists of members of the Board of
fungsi sumber daya manusia. Commissioners and Executive Officers in charge of
the human resources function.
Profil anggota Komite Remunerasi dan Nominasi yang The profile of Remuneration and Nomination
merupakan anggota Dewan Komisaris telah disajikan Committee members who are members of the
pada Laporan Tahunan 2023 di bagian profil Dewan Board of Commissioners has been presented in the
Komisaris dan profil anggota Komite Remunerasi dan 2023 Annual Report in the Board of Commissioners
Nominasi yang merupakan Pejabat Eksekutif yang profile section and the profile of Remuneration and
membawahkan fungsi sumber daya manusia telah Nomination Committee members who are Executive
disajikan pada Laporan Tahunan 2023 di bagian profil Officers in charge of the human resources function
Anggota Komite. has been presented in the 2023 Annual Report in the
Committee Member profile section.
Independensi Komite Remunerasi dan Nominasi Independence of the Remuneration and Nomination
Committee
Anggota Komite Remunerasi dan Nominasi tidak Members of the Remuneration and Nomination
memiliki hubungan keluarga, hubungan keuangan, Committee have no family relationship, financial
208 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KOMITE REMUNERASI DAN NOMINASI
Remuneration and Nomination Committee
hubungan kepengurusan, maupun hubungan relationship, management relationship or share
kepemilikan saham dengan anggota Dewan ownership relationship with members of the Board of
Komisaris, Direksi termasuk sesama anggota komite Commissioners, Board of Directors, including other
lain. committee members.
Tugas dan Tanggung Jawab Komite Remunerasi Duties and Responsibilities of the Remuneration
dan Nominasi and Nomination Committee
Sesuai dengan Peraturan OJK No. 17 Tahun 2023 In accordance with OJK Regulation No. 17 Year
tentang Penerapan Tata Kelola bagi Bank Umum, 2023 on the Implementation of Governance for
maka tugas dan tanggung jawab Komite Remunerasi Commercial Banks, the duties and responsibilities of
dan Nominasi adalah sebagai berikut: the Remuneration and Nomination Committee are as
follows:
• Terkait dengan kebijakan remunerasi: • Related to remuneration policy:
- Melakukan evaluasi terhadap kebijakan - Evaluate the remuneration policy based on
remunerasi yang didasarkan atas kinerja, performance, risk, fairness with peer groups,
risiko, kewajaran dengan peer group, sasaran, goals, and long-term strategy of the Bank,
dan strategi jangka panjang Bank, pemenuhan fulfilment of reserves as stipulated in laws and
cadangan sebagaimana diatur dalam regulations and the potential income of the
peraturan perundang-undangan dan potensi Bank in the future.
pendapatan Bank pada masa yang akan
datang.
- Menyampaikan hasil evaluasi dan rekomendasi - Submit evaluation results and
kepada Dewan Komisaris mengenai kebijakan recommendations to the Board of
remunerasi bagi Dewan Komisaris dan Direksi Commissioners regarding the remuneration
(disampaikan pada RUPS) serta kebijakan policy for the Board of Commissioners and the
remunerasi bagi pegawai secara keseluruhan Board of Directors (submitted to the GMS) and
(disampaikan kepada Direksi). the remuneration policy for employees as a
whole (submitted to the Board of Directors).
- Memastikan bahwa kebijakan remunerasi - Ensure that the remuneration policy is in
telah sesuai dengan ketentuan. accordance with the provisions.
- Melakukan evaluasi secara berkala terhadap - Conduct periodic evaluation of the
penerapan kebijakan remunerasi. implementation of the remuneration policy.
• Terkait dengan kebijakan nominasi: • Related to nomination policy:
- Menyusun dan memberikan rekomendasi - Prepare and provide recommendations
mengenai sistem serta prosedur pemilihan regarding the system and procedures for the
dan/atau penggantian anggota Direksi dan election and/or replacement of members
anggota Dewan Komisaris kepada Dewan of the Board of Directors and members of
Komisaris untuk disampaikan kepada RUPS. the Board of Commissioners to the Board of
Commissioners to be submitted to the GMS.
- Memberikan rekomendasi mengenai calon - Provide recommendations regarding
anggota Direksi dan/atau calon anggota candidates for members of the Board of
Dewan Komisaris kepada Dewan Komisaris Directors and/or candidates for members of
untuk disampaikan pada RUPS. the Board of Commissioners to the Board of
Commissioners to be submitted to the GMS.
- Memberikan rekomendasi mengenai pihak - Provide recommendations regarding
independen yang akan menjadi anggota independent parties who will become members
komite audit serta anggota komite pemantau of the audit committee and members of the
risiko kepada Dewan Komisaris. risk monitoring committee to the Board of
Commissioners.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 209
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TATA KELOLA PERUSAHAAN
Corporate Governance
KOMITE REMUNERASI DAN NOMINASI
Remuneration and Nomination Committee
Pelatihan Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Training
Pendidikan dan pelatihan anggota Komite Audit The Audit Committee education and training is
dapat dilihat di Bab Profil Perusahaan dalam Laporan presented in the Company Profile Chapter of this
Tahunan ini. Annual Report.
Rapat Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Meeting
Pelaksanaan rapat hanya dapat diselenggarakan Meetings can only be held if attended by at least
apabila dihadiri paling kurang 51% dari total anggota, 51% of the total members, including Independent
termasuk Komisaris Independen dan Pejabat Commissioners and Executive Officers in charge of
Eksekutif yang membawahkan fungsi sumber daya the human resources function. Throughout 2023, the
manusia. Sepanjang tahun 2023, Komite Remunerasi Remuneration and Nomination Committee has held 6
dan Nominasi telah menyelenggarakan Rapat (six) meetings and always had a quorum.
sebanyak 6 (enam) kali dan selalu kuorum.
Dibawah ini adalah frekuensi kehadiran dalam rapat Below is the frequency of attendance at Remuneration
Komite Remunerasi dan Nominasi: and Nomination Committee meetings:
Nama Jabatan Jumlah Kehadiran % Kehadiran
Name Position Number of Attendance % Attendance
Ketua Komite
Prof. Adrianus Mooy, M.Sc., Ph.D. 5/6 90%
Head of Committee
Anggota Komite
Tjindrasa Ng 6/6 100%
Member of Committee
Anggota Komite
Chandra Kusdianto 6/6 100%
Member of Committee
Pelaksanaan Kegiatan Komite Remunerasi dan Implementation of Remuneration and Nomination
Nominasi Committee Activities
Selama tahun 2023, Komite Remunerasi dan During 2023, the Remuneration and Nomination
Nominasi telah melaksanakan tugasnya dengan Committee has carried out its duties by conducting
melakukan kegiatan berupa rapat sebagai berikut: activities in the form of meetings as follows:
Tanggal Agenda Rapat & Kegiatan Komite 2023
Date Meeting Agenda & Committee Activity in 2023
19-01-2023 Proposal Tunjangan Komunikasi.
Communication Allowance Proposal.
16-03-2023 Proposal Budget Adjustment dan Jaspro 2023.
Budget Adjustment and Jaspro 2023 Proposal.
17-05-2023 Proposal Jasa Produksi Dewan Komisaris & Direksi.
Production Service Proposal Board of Commissioners & Board of Directors.
20-07-2023 • Laporan pelaksanaan kenaikan Gaji dan Jaspro 2023.
• Penundaan sementara rencana nominasi Calon Direktur Perseroan terkait proses Corporate Action
yang sedang berlangsung.
• Report on the implementation of the Salary Increase and Jaspro 2023.
• Temporary postponement of the Company’s Director Candidate nomination plan related to the
ongoing Corporate Action process.
20-09-2023 Proposal Kebijakan Ungkapan Sukacita dan Dukacita.
Policy Proposal for Expressions of Happiness and Sorrow.
24-11-2023 Proposal re-implementasi Medical Check Up berkala bagi karyawan.
Proposal for periodic Medical Check Up re-implementation for employees.
210 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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DIREKSI
Board of Directors
Direksi adalah organ Perseroan yang memiliki The Board of Directors is the Company's organ with
wewenang dan tanggung jawab penuh atas full authority and responsibility for managing the
pengelolaan kegiatan Perseroan serta melaksanakan Company's activities and implementing GCG at all
GCG pada seluruh tingkatan atau jenjang Organisasi. levels or levels of the Organization. In line with the
Direksi dapat mewakili Perseroan baik di dalam rules of the Company's Articles of Association, the
maupun di luar pengadilan sesuai dengan ketentuan Board of Directors may represent the Company
Anggaran Dasar Perseroan. Masing-masing anggota both within and outside of court. Each member of
Direksi dapat mengambil keputusan sesuai dengan the Board of Directors has the authority to make
pembagian tugas dan wewenangnya, namun decisions in accordance with the segregation of
pelaksanaan tugas oleh masing-masing anggota duties and authorities, however the execution of duties
Direksi tetap merupakan tanggung jawab bersama. remains a collective duty. Each member of the Board
Kedudukan masing-masing anggota Direksi termasuk of Directors, including the President Director, holds an
Direktur Utama adalah setara. equal standing.
JUMLAH, KOMPOSISI DAN KRITERIA [GRI 2-10, 2-11] STRUCTURE, COMPOSITION AND CRITERIA
[GRI 2-10, 2-11]
Direksi Perseroan telah memenuhi persyaratan The Company’s Board of Directors has fulfilled the
menjadi Direksi sesuai Undang-Undang Perseroan requirements to become Directors in accordance
Terbatas, Peraturan Otoritas Jasa Keuangan (POJK) with the Limited Liability Company Law, Financial
dan Peraturan Bank Indonesia (PBI) yaitu telah Services Authority Regulation (POJK) regulation and
memenuhi persyaratan Integritas, Kompetensi, dan Bank Indonesia Regulation (PBI), where they met the
mempunyai Reputasi keuangan yang baik. requirements of Integrity, Competence, and has a
good financial reputation.
Persyaratan lainnya sesuai dengan peraturan dan Other requirements in accordance with the laws and
perundang-undangan yaitu sebagai berikut: regulations are as follows:
• Mempunyai akhlak, moral dan integritas yang • Having good character, morals, and integrity;
baik;
• Tidak pernah dinyatakan pailit; • Never been declared bankrupt;
• Bukan anggota Direksi atau Dewan Komisaris • Not a member of the Board of Directors or Board
yang dinyatakan bersalah menyebabkan suatu of Commissioners who was found guilty of causing
perseroan dinyatakan pailit dalam waktu 5 (lima) a company to be declared bankrupt within 5 (five)
tahun sebelum pengangkatan; dan years prior to the appointment; and
• Tidak pernah dihukum karena melakukan • Never been convicted of a criminal act that was
tindak pidana yang merugikan keuangan detrimental to state finances and/or related to
negara dan/atau yang berkaitan dengan sektor the financial sector within 5 (five) years prior to
keuangan dalam waktu 5 (lima) tahun sebelum appointment.
pengangkatan.
Direksi Perseroan semuanya bertempat tinggal di The Company’s Directors are all reside in Indonesia
Indonesia dan berasal dari pihak yang independen and come from parties that are independent of
terhadap Pemegang Saham Pengendali. the Controlling Shareholders. The appointment
Pengangkatan Anggota Direksi telah memenuhi of members of the Board of Diretors has met the
persyaratan karena telah lulus Penilaian Kemampuan requirements because they have passed the Fit and
dan Kepatutan (Fit and Proper Test), sesuai Proper Test, in accordance with the approval of Bank
Persetujuan Bank Indonesia/Otoritas Jasa Keuangan. Indonesia/Financial Services Authority.
Susunan Anggota Direksi Perseroan berdasarkan The composition of the Company’s Board of Directors
hasil Rapat Umum Pemegang Saham Tahunan yang based on the results of the Annual General Meeting
telah diselenggarakan pada 15 Juni 2023 di Jakarta of Shareholders which was held on 15 June 2023 in
terdiri dari: Jakarta consists of:
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 211
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TATA KELOLA PERUSAHAAN
Corporate Governance
DIREKSI
Board of Directors
Nama Jabatan Persetujuan BI/OJK Dasar Pengangkatan Masa Jabatan
No.
Name Position BI/OJK Approval Appointment Basis Period
Direktur Utama 26 Februari 2013 RUPST 15 Juni 2023
1 Suhaimin Djohan 2023 - 2025
President Director February 26, 2013 AGMS June 15, 2023
Direktur 8 April 2011 RUPST 15 Juni 2023
2 Januar Angkawidjaja 2023 - 2025
Director April 8, 2011 AGMS June 15, 2023
Direktur 1 Desember 2011 RUPST 15 Juni 2023
3 Hendra Kurniawan 2023 - 2025
Director December 1, 2011 AGMS June 15, 2023
Andrian Meirawan Direktur 23 Juli 2021 RUPST 15 Juni 2023
4 2023 - 2025
Saputra Director July 23, 2021 AGMS June 15, 2023
MASA JABATAN DIREKSI BOARD OF DIRECTORS TENURE
Masa jabatan Direksi dimulai sejak tanggal RUPS The term of office for the Board of Directors begins
mengangkat Direksi tersebut untuk jangka waktu from the date the GMS appoints the Board of Directors
sesuai yang ditetapkan dalam Anggaran Dasar for a period specified in the Articles of Association
sampai ditutupnya RUPST yang ke-3 (tiga) setelah until the closure of the 3rd (third) Annual GMS after
tanggal pengangkatannya tersebut dengan tidak the date of their appointment, without prejudice to the
mengurangi hak RUPS untuk memberhentikan para right of the GMS to dismiss the members of the Board
anggota Direksi sewaktu-waktu. of Directors at any time.
INDEPENDENSI DIREKSI BOARD OF DIRECTORS INDEPENDENCE
Semua anggota Direksi dan anggota Dewan Komisaris All members of the Board of Directors and members of
secara sendiri-sendiri atau bersama-sama tidak the Board of Commissioners individually or collectively
memiliki saham pada Perseroan. Seluruh anggota do not own shares in the Company. All members
Direksi tidak merangkap jabatan sebagai Komisaris, of the Board of Directors do not hold concu rrent
Direksi, atau Pejabat Eksekutif pada Bank lain. Direksi positions as Commissioners, Directors, or Executive
tidak memiliki hubungan keuangan dan tidak saling Officers at other Banks. The Board of Directors has
memiliki hubungan keluarga sampai dengan derajat no financial relationship and no family relationship
kedua dengan sesama anggota Direksi, anggota up to the second degree with fellow members of the
Dewan Komisaris lain dan/atau pemegang saham Board of Directors, other members of the Board of
pengendali, sebagaimana penjelasan dibawah ini: Commissioners and/or controlling shareholders, as
explained below:
Hubungan keluarga, keuangan, kepengurusan, kepemilikan
Family relations, finances, management, ownership
Pemegang Saham
Dewan Komisaris Direksi
Pengendali
Nama Board of Commissioners Board of Directors
Controlling Shareholders
Name
Ya Tidak Ya Tidak Ya Tidak
Yes No Yes No Yes No
Suhaimin Djohan √ √ √
Januar Angkawidjaja √ √ √
Hendra Kurniawan √ √ √
Andrian Meirawan Saputra √ √ √
212 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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DIREKSI
Board of Directors
PIAGAM DIREKSI BOARD OF DIRECTORS CHARTER
Piagam atau Pedoman Kerja (Board Charter) Direksi The Board of Directors’ Board Charter (Board
digunakan sebagai panduan dalam melaksanakan Charter) serves as a guide in carrying out its duties
tugas dan tanggung jawabnya agar kinerja Direksi and responsibilities, allowing the Board of Directors’
dapat terkoordinasi dengan baik dalam mengelola performance to be properly coordinated in managing
kegiatan usaha Perseroan. Board Charter Direksi ini the Company’s business activities. The Board
senantiasa dievaluasi secara berkala agar sejalan Charter is always assessed regularly to ensure that
dengan perubahan peraturan perundang-undangan it is in compliance with changes in relevant laws
yang berlaku dan disesuaikan dengan kebutuhan and regulations and that it is tailored to the needs
Perseroan. Saat ini Piagam Direksi Perseroan telah of the Company. The Company’s Board Charter was
diperiksa dan disetujui oleh Direksi Perseroan pada reviewed and approved by the Company’s Board of
tanggal 19 Desember 2023 dan masih berlaku hingga Directors on December 19th, 2023, and it remains valid
akhir tahun pelaporan per 31 Desember 2023. until the end of the fiscal year on December 31, 2023.
Piagam Direksi memuat antara lain, tugas dan The Board Charter contains, among others, the duties
wewenang Direksi, Rapat Direksi, nilai-nilai, pelaporan and authorities of the Board of Directors, Meetings,
dan tanggung jawab serta tindakan-tindakan yang values, reporting and responsibilities as well as
dilarang. prohibited acts.
TUGAS DAN TANGGUNG JAWAB DIREKSI DUTIES AND RESPONSIBILITIES OF THE BOARD
[GRI 2-12, 2-13] OF DIRECTORS [GRI 2-12, 2-13]
Selain tertuang dalam Anggaran Dasar Perseroan, In addition to being stated in the Company’s Articles
tugas dan tanggung jawab Direksi terkait dengan of Association, the duties and responsibilities of the
pelaksanaan tata kelola meliputi: Board of Directors related to the implementation of
governance include:
• Melaksanakan tugas dan tanggung jawab secara • Carry out duties and responsibilities independently.
independen.
• Bertanggung jawab penuh atas pelaksanaan • Fully responsible for the implementation of the
kepengurusan Perseroan. Company’s management.
• Melaksanakan tugas, wewenang dan tanggung • Carry out duties, authorities and responsibilities in
jawab dengan itikad baik dan dengan prinsip good faith and with the principle of prudence.
kehati-hatian.
• Mewakili perseroan sesuai dengan ketentuan • Representing the company in accordance with
peraturan perundang-undangan, anggaran dasar the provisions of laws and regulations, articles of
dan keputusan RUPS. association and resolutions of the GMS.
• Menerapkan tata kelola yang baik pada • Implementing good governance at the Bank,
Bank, manajemen risiko dan kepatuhan integrated risk management and compliance
secara terintegrasi yang disesuaikan dengan that is adapted to the latest developments in the
perkembangan ekosistem perbankan terkini serta banking ecosystem and supported by digitalization
didukung dengan digitalisasi dan inovasi teknologi. and technological innovation.
• Membentuk satuan kerja audit intern, satuan kerja • Establish an internal audit work unit, risk
manajemen risiko, satuan kerja kepatuhan dan management work unit, compliance work unit and
satuan kerja lainnya. other work units.
• Menindaklanjuti temuan audit atau pemeriksaan • Follow up on audit or examination findings
dan rekomendasi dari satuan kerja audit intern and recommendations from th Bank’s internal
Bank, auditor ekstern, hasil pengawasan Otoritas audit work unit, external auditors, the results of
Jasa Keuangan dan hasil pengawasan otoritas supervision of the Financial Services Authority
lembaga lain. and the results of supervision of other institutional
authorities.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 213
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TATA KELOLA PERUSAHAAN
Corporate Governance
DIREKSI
Board of Directors
• Mengungkapkan kepada pegawai mengenai • Disclose to employees the Bank’s strategic internal
kebijakan internal Bank yang bersifat strategis di policies in the field of personnel.
bidang kepegawaian.
• Mempertanggungjawabkan pelaksanaan tugas • Accountable for the implementation of duties to
kepada pemegang saham melalui RUPS. shareholders through the GMS.
• Dilarang menggunakan penasihat perorangan • Not using individual advisors and/or professional
dan atau jasa profesional sebagai tenaga ahli atau services as experts or consultants.
konsultan.
• Memiliki dan menyediakan data dan informasi • Have and provide accurate, relevant, timely
yang akurat, relevan, tepat waktu, termasuk data and information, including to the board
kepada dewan komisaris dan melaksanakan of commissioners and carry out data and
pengolahan data dan informasi sesuai tata kelola information processing in accordance with good
yang baik pada Bank dan ketentuan peraturan governance at the Bank and the provisions of laws
perundang-undangan. and regulations.
• Memiliki pedoman dan tata tertib kerja yang • Have binding guidelines and work rules for each
bersifat mengikat bagi setiap anggota Direksi member of the Board of Directors at least include;
paling sedikit mencantumkan;
- Pengorganisasian Bank dan pembidangan - Organizing the Bank and assigning duties of
tugas Direksi the Board of Directors
- Tugas, tanggung jawab dan wewenang Direksi - Duties, responsibilities and authorities of the
Board of Directors
- Pengaturan kewenangan dan prosedur - Regulation of authority and procedure of
keputusan Direksi decisions of the Board of Directors
- Pengaturan etika kerja Direksi - Regulation of work ethics of the Board of
Directors
- Pengaturan rapat - Meeting arrangements
- Larangan terhadap Direksi - Prohibition against the Board of Directors
- Evaluasi kinerja Direksi - Performance evaluation of the Board of
Directors
- Pola hubungan kerja Direksi dan Dewan - Pattern of work relations between the Board of
Komisaris Directors and the Board of Commissioners
• Keputusan Direksi yang diambil sesuai dengan • Decisions of the Board of Directors taken in
pedoman dan tata tertib kerja mengikat dan accordance with the guidelines and work rules are
menjadi tanggung jawab seluruh anggota Direksi. binding and are the responsibility of all members
of the Board of Directors.
Tugas utama dari masing-masing direktur adalah The main duties of each director are as follows:
sebagai berikut:
Suhaimin Djohan Bersama dengan Direktur lainnya bertanggung Jointly with other Directors, responsible in
Direktur Utama jawab pada pengelolaan perusahaan demi managing the company in accordance with
President Director kepentingan Perseroan sesuai dengan peraturan the applicable laws and regulations in providing
perundang-undangan yang berlaku dalam added value to shareholders, customers,
memberikan nilai tambah kepada pemegang employees, as well as providing guidance and
saham, nasabah, pekerja, serta memberikan determining strategies for all banking activities
petunjuk dan menentukan strategi pada that ensure the profitability and development
seluruh aktivitas perbankan yang menjamin of the company in the short, medium, and long
profitabilitas dan perkembangan perusahaan term.
baik jangka pendek, jangka menengah, maupun
jangka panjang.
214 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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DIREKSI
Board of Directors
Januar Bertanggung jawab dalam mengarahkan Responsible for directing and determining
Angkawidjaja dan menetapkan strategi pengembangan Compliance development strategy with all
Direktur Kepatuhan terhadap segala Peraturan dan applicable laws and regulations and all aspects
Kepatuhan, Perundang-undangan yang berlaku dan of Risk Management to mitigate the risks faced
Manajemen Risiko pelaksanaan semua aspek Manajemen Risiko by the Company. In addition, also responsible
dan Sumber Daya guna memitigasi risiko yang dihadapi Bank. in monitoring and directing the strategy of
Manusia Selain itu juga bertanggung jawab memantau developing Human Resources as well as
Director of dan mengarahkan strategi pengembangan handling and managing the law.
Compliance, Risk Sumber Daya Manusia serta penanganan dan
Management and pengelolaan hukum.
Human Resources
Hendra Kurniawan Bertanggung jawab memastikan penyampaian Responsible for ensuring the submission of
Direktur Keuangan Laporan Keuangan Bank, perpajakan, proses Bank Financial Statements, taxation, payment
dan Tresuri pembayaran kepada Pihak Ketiga, pemantauan processing to Third Parties, monitoring general
Director of Finance saldo buku besar dan memastikan Kebijakan ledger balances and ensuring that Accounting,
and Treasury Akuntansi, Perpajakan, dan kebijakan lainnya Taxation and other related policies are carried
yang terkait dijalankan dengan baik dan benar out properly and correctly to support the
guna mendukung perkembangan perusahaan, development of the company, as well as
serta bertanggung jawab dalam memastikan being responsible in ensuring that Statutory
GWM terpenuhi sesuai PBI dan pengelolaan Reserves are met in accordance with PBI
excess likuiditas dengan melalui penempatan and management of excess liquidity through
pada interbank, instrumen keuangan (Obligasi) interbank placements, financial instruments
untuk menghasilkan imbal hasil (yield) yang (bonds) to generate optimal yields while
optimal dengan tetap mempertahankan aspek maintaining the prudential aspect.
kehati-hatian.
Andrian Meirawan Memastikan seluruh kegiatan operasional Bank Ensuring that all operational activities of the
Saputra terkait Sistem, Prosedur, dan Teknologi Informasi Company related to Information Systems,
Direktur IT dan berjalan dengan efektif dan efisien serta Procedures and Technology run effectively and
Operasional sesuai dengan prosedur dan peraturan yang efficiently and in accordance with the procedures
Director of IT and telah ditetapkan oleh Bank guna menunjang and regulations set by the Company to support
Operations perkembangan perusahaan. Memastikan its development. Ensure that all Group/
seluruh aktivitas Group/Divisi/Cabang yang Division/Branch activities related to purchasing,
terkait dengan pembelian, transportasi, transportation, security, procurement of goods,
keamanan, pengadaan barang, pemeliharaan, maintenance, and renovation of office buildings
dan renovasi gedung kantor berjalan dengan run well.
baik.
RAPAT DIREKSI BOARD OF DIRECTORS MEETINGS
Rapat Direksi dilaksanakan berdasarkan POJK No. 17 The Board of Directors meeting is held based on POJK
tahun 2023 tentang penerapan tata kelola bagi Bank No. 17 of 2023 concerning the implementation of
umum. Rapat secara berkala paling sedikit 1(satu) kali governance for commercial banks. Periodic meetings
dalam setiap bulan dan rapat Direksi bersama Dewan at least once in each month and meetings of the
Komisaris secara berkala paling sedikit 1(satu) kali Board of Directors with the Board of Commissioners
dalam 4(empat) bulan. Selain dari kewajiban tersebut, periodically at least once in 4 (four) months. Apart
Rapat Direksi juga dapat dilaksanakan setiap waktu from these obligations, the Board of Directors Meeting
jika dianggap perlu atas permintaan seorang atau may also be held at any time if deemed necessary at
lebih anggota Direksi. the request of one or more members of the Board of
Directors.
Rapat Direksi dapat dilangsungkan apabila mayoritas The Board of Directors’ meeting may be conducted
anggota Direksi hadir atau diwakili dalam Rapat. if the majority of the Board of Directors’ members is
Rapat Direksi dicatatkan dalam risalah rapat yang present or represented in the meeting. The Board of
didokumentasikan oleh Perseroan. Directors meeting shall be recorded in the minutes of
meetings and documented by the Company.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 215
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TATA KELOLA PERUSAHAAN
Corporate Governance
DIREKSI
Board of Directors
Direksi dapat juga mengambil keputusan yang sah The Board of Directors may also take a legitimate
tanpa mengadakan Rapat Direksi (secara sirkuler) decision without conducting the Board of Directors
dengan ketentuan semua anggota Direksi telah meeting (in a circular manner) provided that all
diberitahu secara tertulis mengenai usulan yang members of the Board of Directors have been notified
dimintakan keputusan dan semua anggota Direksi in writing of the proposed decision and all members of
memberikan persetujuan secara tertulis atas usulan the Board of Directors give written approval by signing
tersebut dengan menandatangani keputusan the resolution.
tersebut.
Frekuensi dan Kehadiran Rapat Meetings Frequency and Attendance
Selama tahun 2023, Perseroan menyelenggarakan The Company convened 12 (twelve) Board of Directors
12 (dua belas) kali Rapat Direksi. Frekuensi dan meetings during 2023. The following table illustrates
kehadiran anggota Direksi dapat dilihat pada tabel di the frequency and attendance of the Board of
bawah ini: Directors:
Nama Jabatan Jumlah Kehadiran % Kehadiran
Name Position Number of Attendance % Attendance
Direktur Utama
Suhaimin Djohan 12 100%
President Director
Direktur
Januar Angkawidjaja 12 100%
Director
Direktur
Hendra Kurniawan 12 100%
Director
Direktur
Andrian Meirawan Saputra 12 100%
Director
Agenda Rapat Direksi Meeting Agenda of the Board of Directors
Berikut agenda rapat Direksi selama tahun 2023: The following is the agenda of the Board of Directors
meeting for 2023:
Tanggal Agenda Rapat
Date Meeting Agenda
26-01-2023 1. Information Technology Group 1. Information Technology Group
a. Penyediaan Perangkat & Jaringan gedung a. Provision of Devices & Network for Graha
Graha Lippo Lippo building
b. Inisiatif Strategis IT b. IT Strategic Initiatives
22-02-2023 1. Laporan SKKK Berkelanjutan 1. Sustainable SKKK Report
a. Summary Pelaksanaan RAKB 2022 a. Summary of RAKB 2022 Implementation
b. Pencapaian Pembiayaan Berkelanjutan b. Sustainable Financing Achievements
c. Pelaksanaan Rapat SKKK Berkelanjutan c. Implementation of Sustainable SKKK
Meeting
d. Kegiatan CSR Tahun 2022 d. CSR Activities in 2022
e. Pelaksanaan Sosialisasi Internal tentang e. Implementation of Internal Socialization on
Nilai-nilai Keberlanjutan Sustainability Values
f. Program Kerja RAKB 2023 f. Work Program of RAKB 2023
g. Anggaran RAKB 2023 g. RAKB 2023 Budget
216 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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DIREKSI
Board of Directors
Tanggal Agenda Rapat
Date Meeting Agenda
30-03-2023 1. Consumer Loan 1. Consumer Loan
a. Summary Perkembangan Bisnis Consumer a. Summary of Consumer Business
Development
b. Pangsa Pasar KPR/KPA b. Mortgage/KPA Market Share
c. Pertumbuhan Yield KPR 2021-2023 c. Mortgage Yield Growth 2021-2023
d. Tantangan d. Challenges
e. Fokus e. Focus
a. New Partners & New Projects 1H 2023 f. New Partners & New Projects 1H 2023
b. Ekspos Media & PR g. Media & PR Expos
c. Proposal Aksi Hijau Nobu Bank h. Nobu Bank Green Action Proposal
d. Update Kampanye Program berupa i. Program Campaign Update in the form of
pemasangan marketing collateral marketing collateral installation
2. Follow Up Discussion - Information Technology 2. Follow Up Discussion - Information Technology
Rencana pengadaan Server & SW Acquiring Server & SW Acquiring plan
18-04-2023 1. Network 1. Network
Review & Action Plan 2023 Overview & Action Plan 2023
2. Corporate Secretary 2. Company Secretary
Jadwal rencana RUPS Perseroan Schedule of the Company’s GMS plan
24-05-2023 1. Customer Handling Management 1. Customer Handling Management
Laporan kegiatan Perlindungan Konsumen & Report on Consumer & Community Protection
Masyarakat di Sektor Jasa Keuangan periode activities in the Financial Services Sector for Q1
Q1 tahun 2023. of 2023.
2. Innovation Lab Updates 2. Innovation Lab Updates
Materi update Innovation Lab Innovation Lab update material
3. Information Technology Group 3. Information Technology Group
a. EoD Daily (Proses Akhir Hari Harian) Core a. EoD Daily Core Banking Bank Vision
Banking Bank Vision
b. Peremajaan Server Core Banking b. Core Banking Server Refresh
27-06-2023 1. Corporate Planning Group 1. Corporate Planning Group
Final revisi Rencana Bisnis Bank Tahun 2023 – Final revision of the Bank’s Business Plan 2023
2025 – 2025
2. Komite Kredit 2. Credit Committee
Ratifikasi Keputusan Direksi di luar rapat Ratification of Board of Directors’ Decision
outside the meeting
26-07-2023 1. Human Resources & Service Quality Group 1. Human Resources & Service Quality Group
a. HR Development & Service Quality a. HR Development & Service Quality
b. HR Engagement b. HR Engagement
c. HR Management c. HR Management
2. Komite Kredit 2. Credit Committee
Ratifikasi Keputusan Direksi di luar rapat Ratification of Board of Directors’ Decision
outside the meeting
29-08-2023 1. SME Commercial 1. SME Commercial
Laporan Kinerja SME Commercial di tahun SME Commercial Performance Report in 2023
2023
2. Information Technology 2. Information Technology
a. Jaringan Cabang a. Branch Network
b. Core Banking b. Core Banking
c. Perangkat Cabang c. Branch Equipment
d. Firewall d. Firewall
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TATA KELOLA PERUSAHAAN
Corporate Governance
DIREKSI
Board of Directors
Tanggal Agenda Rapat
Date Meeting Agenda
26-09-2023 1. Liabilities 1. Liabilities
Pencapaian Liabilities sampai dengan Agustus Liabilities achievement until August 2023.
2023.
2. Micro Loan 2. Micro Loan
Kinerja Micro Lending 2023 Micro Lending Performance 2023
24-10-2023 1. Operation Group 1. Operation Group
Kinerja Operation Group 2023 Operation Group Performance 2023
2. Komite Kredit 2. Credit Committee
Ratifikasi Keputusan Direksi di luar rapat Ratification of Board of Directors’ Decision
outside the meeting
21-11-2023 1. Information Technology Group 1. Information Technology Group
a. Rencana Pengembangan Teknologi a. Information Technology Development Plan
Informasi 2024 2024
b. Kinerja Server Decom IF400 b. Decom IF400 Server Performance
2. Corporate Planning Group 2. Corporate Planning Group
Draft RBB 2024 – 2026 Draft RBB 2024 - 2026
19-12-2023 1. SKAI 1. SKAI
a. Monitoring Tindak Lanjut Hasil Audit – Status a. Audit Follow-up Monitoring - Status as of
Per 30 November 2023 November 30, 2023
b. Daily Monitoring (Transaksi Reversal dan b. Daily Monitoring (Reversal Transaction and
Data CIF) CIF Data)
c. Common and Repeat Findings c. Common and Repeat Findings
2. Compliance & Special Unit Division 2. Compliance & Special Unit Division
Penerapan Anti Pencucian Uang (APU), Implementation of Anti-Money Laundering
Pencegahan Pendanaan Terorisme (PPT) dan (AML), Prevention of Financing of Terrorism
Pencegahan Pendanaan Proliferasi Senjata (PPT) and Prevention of Financing of
Pemusnah Massal (PPPSPM) Proliferation of Weapons of Mass Destruction
(PPPSPM)
Rapat Gabungan Direksi Bersama Dewan Joint Meeting of the Board of Directors with the
Komisaris Board of Commissioners
Sesuai Anggaran Dasar Perseroan, Direksi Bersama In accordance with the Company’s Articles of
Dewan Komisaris wajib menyelenggarakan rapat Association, the Board of Directors with the Board of
gabungan secara berkala paling kurang 1 (satu) Commissioners must hold periodic joint meetings
kali dalam 4 (empat) bulan. Rapat Gabungan at least once in 4 (four) months. The 2023 Joint
Dewan Komisaris Bersama Direksi tahun 2023 Meeting of the Board of Commissioners and Board of
telah diagendakan sebelum tahun berjalan yang Directors has been scheduled before the current year
dituangkan dalam program kerja Dewan Komisaris as outlined in the 2022 work program of the Board of
tahun 2022. Commissioners.
Selama tahun 2023, Rapat Direksi Bersama Dewan During 2023, the Joint Meeting of the Board of
Komisaris telah dilakukan sebanyak 6 (enam) kali Directors with the Board of Commissioners has been
yang dihadiri oleh anggota Dewan Komisaris dan held 6 (six) times which was attended by members of
Direksi dengan tingkat kehadiran 66,7%. the Board of Commissioners and Board of Directors,
with 66.7% attendance rate.
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DIREKSI
Board of Directors
PENILAIAN KINERJA KOMITE DI BAWAH DIREKSI PERFORMANCE ASSESSMENT OF BOD
COMMITTEES
Dalam melaksanakan tugas kepengurusannya, In implementing its management duties, the Board of
Direksi dibantu oleh Komite di bawah Direksi atau Directors is assisted by the Executive Committee that
disebut juga Komite Eksekutif sebanyak 5 (lima) consists of 5 (five) Committees, as follows:
Komite, yaitu:
1. Komite Aset & Liabilitas (ALCO) 1. Asset and Liabilities Committee (ALCO)
2. Komite Kredit 2. Credit Committee
3. Komite Manajemen Risiko 3. Risk Management Committee
4. Komite Pengarah Teknologi Informasi 4. Information Technology Steering Committee
5. Komite Produk & Aktivitas Bank 5. The Bank’s Product & Activity Committee
Selama tahun 2023, Direksi menilai bahwa komite- During 2023, the Board of Directors’ assessment on
komite di bawah Direksi telah menjalankan tugas dan the committees’ performance commended that the
tanggung jawabnya dengan baik. committees have properly performed the duties and
responsibilities.
TATA CARA PENGUNDURAN DIRI DIREKSI APABILA RESIGNATION PROCEDURES FOR THE BOARD OF
TERLIBAT KEJAHATAN KEUANGAN DIRECTORS WHO ARE INVOLVED IN A FINANCIAL
CRIME
UUPT dan POJK No. 33 mengatur salah satu The Company Law and POJK No. 33 stipulates that one
persyaratan pengangkatan anggota Direksi yaitu of the requirements to be appointed as a member of
tidak pernah dihukum karena melakukan tindak the Board of Directors is having never been convicted
pidana yang merugikan keuangan negara dan/atau for the commission of a criminal offense that damages
yang berkaitan dengan sektor keuangan. Sejalan the state finance and/or the relevant financial sector.
dengan UUPT dan POJK No. 33, OJK mengeluarkan In accordance with the Company Law and POJK No.
POJK No. 21, dimana POJK No. 21 lebih lanjut diatur 33, OJK issued POJK No. 21, which POJK No. 21 further
dalam SEOJK No. 32. POJK No. 21 dan SEOJK No. 32 stipulated in SEOJK No. 32. POJK No. 21 and SEOJK
isinya antara lain memberikan rekomendasi kepada No. 32 among other things provide recommendation
perusahaan publik untuk memiliki kebijakan terkait to a public company to have a policy regarding the
pengunduran diri anggota Direksi yang terlibat dalam resignation procedure for members of the Board of
kejahatan keuangan. Kejahatan keuangan yang Directors who are involved in financial crimes. Such
dimaksud seperti manipulasi dan berbagai bentuk financial crimes are considered to be manipulation
penggelapan dalam kegiatan jasa keuangan serta and various forms of corruption in financial service
tindakan pidana pencucian uang. activities as well as money laundering.
Dalam rangka memenuhi ketentuan dalam POJK No. Following the POJK No. 21 and SE No. 32, the Company
21 dan SE No. 32 tersebut, Perseroan telah menyusun has prepared policy for the resignation for the
kebijakan pengunduran diri bagi anggota Direksi members of the Board of Directors who are involved
yang terlibat dalam kejahatan keuangan. Kebijakan in the financial crimes. The policy of resignation was
pengunduran diri tersebut telah diperiksa dan reviewed and approved by the Board of Directors.
disetujui oleh Direksi Perseroan.
Tata cara pengunduran diri bagi anggota Direksi The resignation procedure for the members of the
adalah sebagai berikut: Board of Directors are as follows:
1. Seorang anggota Direksi berhak mengundurkan 1. The member of the Board of Directors shall resign
diri dari jabatannya dan wajib menyampaikan from his position and submit a resignation letter to
permohonan pengunduran dirinya kepada the Company no later than 60 (sixty) days before
Perseroan paling lambat 60 (enam puluh) hari the effective date of the resignation;
sebelum tanggal pengunduran dirinya;
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TATA KELOLA PERUSAHAAN
Corporate Governance
DIREKSI
Board of Directors
2. Perseroan wajib melakukan keterbukaan informasi 2. The Company shall publish the disclosure
kepada masyarakat sehubungan dengan information to the public regarding such
pengunduran diri tersebut dan menyampaikannya resignation and submit the information to OJK no
kepada OJK paling lambat 2 (dua) hari kerja sejak later than 2 (two) working days after receiving the
tanggal penerimaan surat pengunduran diri resignation letter;
tersebut;
3. Perseroan wajib menyelenggarakan Rapat 3. The Company shall convey a General Meeting of
Umum Pemegang Saham (“RUPS”) untuk Shareholders (“GMS”) to approve the resignation
memutuskan pengunduran diri anggota Direksi of such Director within a maximum period of 90
tersebut dalam jangka waktu paling lambat 90 (ninety) days after receiving the resignation letter.
(sembilan puluh) hari setelah diterimanya surat Members of the Board of Directors who resign still
pengunduran diri tersebut. Kepada anggota be held liable since the appointment of position
Direksi yang mengundurkan diri tersebut di atas until the date of the resignation and approved by
tetap dapat dimintakan pertanggungjawabannya the GMS;
sejak pengangkatan yang bersangkutan sampai
dengan tanggal pengunduran dirinya, dalam
RUPS;
4. Perseroan wajib mengumumkan hasil RUPS 4. The Company shall disclose the result of the GMS
tersebut dan menyampaikan hasilnya kepada and submit the result to the OJK no later than 2
OJK paling lambat 2 (dua) hari kerja setelah RUPS (two) working days after the GMS.
tersebut.
KEBERAGAMAN DIREKSI [GRI 2-17] BOARD OF DIRECTORS DIVERSITY [GRI 2-17]
Komposisi Direksi Perseroan yang menjabat The composition of the Company’s Board of
saat ini telah memiliki keragaman keahlian, latar Directors currently serving has a diversity of expertise,
belakang, pengetahuan, dan pengalaman industri background, knowledge, and industry experience
yang merupakan faktor penting untuk memastikan which are important factors to ensure the effectiveness
efektivitas pelaksanaan tugas Direksi dalam of the implementation of the Board of Directors’ duties
pengelolaan Perseroan. in managing the Company.
Informasi mengenai keberagaman Direksi dapat Information about the diversity of the Board of
dilihat pada Profil masing-masing Direksi pada Bab Directors is presented in the Profile of each Board
Profil Perusahaan pada Laporan Tahunan ini. of Directors of the Company Profile Chapter in this
Annual Report.
KEBIJAKAN SUKSESI DIREKSI [GRI 2-10] BOARD OF DIRECTORS SUCCESSION POLICY
[GRI 2-10]
Sebagaimana tercantum dalam POJK No. 33/ Referring to POJK No. 33/POJK.04/2014, proposals
POJK.04/2014, usulan pengangkatan, pemberhentian, for appointment, dismissal, and/or replacement
dan/atau penggantian anggota Direksi kepada RUPS of members of the Board of Directors to the GMS
harus memperhatikan rekomendasi dari Dewan must take into account the recommendations of
Komisaris atau komite yang menjalankan fungsi the Board of Commissioners or the committee that
nominasi. Perseroan memiliki Komite Remunerasi carries out the nomination function. The Company
dan Nominasi yang berfungsi untuk menyiapkan has a Remuneration and Nomination Committee
pimpinan Perseroan, khususnya anggota Direksi that functions to prepare the Company’s leaders,
yang profesional, berintegritas, berdedikasi dan especially members of the Board of Directors who
memiliki kompetensi dalam menjalankan kegiatan are professional, have integrity, are dedicated and
Operasional Perseroan. have competence in carrying out the Company’s
operational activities.
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DIREKSI
Board of Directors
Atas dasar tersebut, Komite Remunerasi dan As such, the Remuneration and Nomination
Nominasi memiliki kebijakan suksesi Direksi yang Committee has a succession policy of the Board of
menetapkan persyaratan pencalonan Direksi Directors which determines the requirements for the
yang akan ditetapkan dalam RUPS mengacu nomination of the Board of Directors to be determined
pada Anggaran Dasar Perseroan, POJK No. 33/ in the GMS referring to the Company’s Articles of
POJK.04/2014 tentang Direksi dan Dewan Komisaris Association, POJK No. 33/POJK.04/2014 on the Board
Emiten atau Perusahaan Publik. of Directors and Board of Commissioners of Issuers
or Public Companies.
PROGRAM ORIENTASI PERUSAHAAN UNTUK COMPANY INDUCTION PROGRAM FOR THE
DIREKSI BOARD OF DIRECTORS
Direksi yang baru menjabat akan mendapatkan The newly appointed Board of Directors will receive
program orientasi yang diselenggarakan oleh an induction program organized by the Corporate
Sekretaris Perusahaan. Tujuan dari program ini Secretary. The purpose of this program is to provide
adalah untuk memberikan gambaran atas aktivitas an overview of business activities, future company
bisnis, rencana perusahaan ke depan, pedoman kerja plans, work guidelines and other matters that are the
dan hal lainnya yang menjadi tanggung jawab Direksi. responsibility of the Board of Directors.
Untuk meningkatkan pemahaman Direksi, Perseroan To improve the understanding of the Board of
juga menyampaikan dokumen-dokumen penunjang Directors, the Company also submits other
lainnya antara lain Laporan Tahunan, Rencana Kerja supporting documents including the Annual Report,
dan Anggaran Perseroan, Anggaran Dasar, Rencana the Company’s Work Plan and Budget, Articles of
Jangka Panjang Perseroan, dan sebagainya. Association, the Company’s Long-Term Plan, and so
forth.
Di tahun 2023, Perseroan tidak menyelenggarakan In 2023, the Company did not hold this program as
program ini dikarenakan komposisi Direksi tidak the composition of the Board of Directors has not
mengalami perubahan dari tahun sebelumnya. changed from the previous year.
PROGRAM PENGEMBANGAN KOMPETENSI BOARD OF DIRECTORS COMPETENCY
DIREKSI DEVELOPMENT PROGRAM
Guna meningkatkan kompetensi dan pengetahuan To improve the competence and knowledge of the
Direksi dan sejalan dengan program pengembangan Board of Directors and in line with the development
Direksi, Perseroan senantiasa memutakhirkan program of the Board of Commissioners, the
pengetahuan Dewan Komisaris melalui kegiatan Company constantly updates the knowledge of
pelatihan, workshop, seminar, conference, ataupun the Board of Directors through training activities,
dalam bentuk kunjungan kerja serta studi banding workshops, seminars, conferences, or in the form of
(benchmark). work visits and comparative studies (benchmarks).
Pada tahun 2023, realisasi Program Pelatihan dan In 2023, the realization of the Training and Development
Pengembangan yang dilakukan Direksi tersedia Program carried out by the Board of Directors is
di Profil Direksi dalam Bab 3 Profil Perusahaan di presented on the Profile of the Board of Directors in
Laporan Tahunan ini. Chapter 3 Company Profile in this Annual Report.
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TATA KELOLA PERUSAHAAN
Corporate Governance
KOMITE EKSEKUTIF
Executive Committees
Untuk mendukung efisiensi dan efektivitas To support the efficiency and effectiveness of its
pelaksanaan tugasnya, Direksi dibantu Komite duties’ implementation, the Board of Directors is
maupun Satuan kerja yang secara struktural berada assisted by committees and work units that are
di bawahnya, yaitu Komite Aset & Liabilitas (ALCO), structurally under its supervision, namely the Asset
Komite Kredit, Komite Manajemen Risiko, Komite and Liabilities Committee (ALCO), Credit Committee,
Pengarah Teknologi Informasi, dan Komite Produk & Risk Management Committee, Information
Aktivitas Bank, serta Sekretaris Perusahaan dan Audit Technology Steering Committee, the Bank’s Product
Internal. & Activity Committee, as well as Corporate Secretary,
and Internal Audit.
KOMITE ASET & LIABILITAS (ALCO)
Asset & Liabilities Committee (ALCO)
Komite Aset dan Liabilitas (ALCO) dibentuk untuk The Assets and Liabilities Committee (ALCO) was
memastikan efektivitas implementasi Assets and formed to ensure the effectiveness of Assets and
Liabilities Management (ALMA) yang bertanggung Liabilities Management (ALMA) that is in charge of
jawab menangani risiko likuiditas. ALCO adalah forum addressing liquidity risks. ALCO is the primary forum
utama untuk mencapai tujuan utama ALMA, dan for achieving ALMA’s main goals, and it is in charge
bertugas mengembangkan dan menerapkan strategi of developing and implementing the organization’s
organisasi. strategy.
Perseroan telah membentuk Komite Aset dan The Company has formed the Asset and Liabilities
Liabilitas (ALCO), sebuah komite di bawah Direksi Committee (ALCO), a committee of the Board of
yang bertugas mengevaluasi aset dan liabilitas Directors charged with evaluating the Company’s
Perseroan serta memastikan bahwa posisi dana assets and liabilities and ensuring that the position of
pihak ketiga selaras dengan posisi kredit dan aset third-party funds is aligned with the position of credit
produktif lainnya. and other productive assets.
Komite ini beranggotakan Direksi dan Kepala This Committee is made up of the Board of Directors
Divisi yang membawahi aktiva dan pasiva untuk and Division Heads who are in charge of the assets
mengantisipasi perubahan situasi moneter dan and liabilities in anticipation of changes in monetary
ekonomi. Komite ini mengadakan rapat ALCO (rapat and economic situations. This committee holds
anggaran) setiap bulan untuk menganalisis kinerja ALCO (budget meetings) every month to analyse the
Perseroan sekaligus mengantisipasi perkembangan Company’s performance while anticipating short and
jangka pendek dan menengah. medium-term developments.
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KOMITE ASET & LIABILITAS (ALCO)
Asset & Liabilities Committee (ALCO)
Keanggotaan ALCO | ALCO Membership
Anggota Tetap (yang memiliki hak voting) | Permanent Member (with voting rights)
Ketua | Chairman:
Direktur Utama | President Director
Wakil Ketua | Vice Chairman:
Direktur Keuangan & Tresuri | Director of Finance & Treasury
Anggota | Members:
• Head of SME & Commercial Lending
• Head of Consumer & Micro
• Head of Network
• Head of Retail Banking
• Treasury & Financial Institution Group Head
• Central Credit Group Head
Anggota Tetap (yang tidak memiliki hak voting) | Permanent Member (without voting rights)
Anggota | Members:
• Direktur Risk Management & Compliance | Director of Risk Management & Compliance
• Direktur Innovation, Operation & IT | Director of Innovation, Operation & IT
• Risk Management Group Head
Sekretaris (yang tidak memiliki hak voting) | Secretary (without voting rights): Corporate Planning Group Head
Sesuai dengan Surat Keputusan Direksi tentang In accordance with the Decree of the Board of
Ketentuan-Ketentuan tentang Assets & Liabilities Directors on the Provisions of the Assets & Liabilities
Committee (ALCO), maka tugas dan wewenang ALCO Committee (ALCO), the ALCO’s duties and authorities
antara lain adalah: are as follows:
1. Mengembangkan dan mengkaji strategi 1. Develop and review assets & liabilities management
Pengelolaan Aset & Liabilitas (Assets and Liabilities strategies.
Management).
2. Mengkaji posisi risiko suku bunga Bank dan 2. Review the Bank’s interest rate risk position and
strategi Pengelolaan Aset & Liabilitas untuk Asset & Liability Management strategy to ensure
memastikan pengambilan keputusan risiko suku interest rate risk decision making is consistent with
bunga konsisten dengan tujuan manajemen risiko. risk management objectives.
3. Mengkaji suku bunga Aset & Liabilitas untuk 3. Review assets & liabilities to ensure the
memastikan penetapan suku bunga dapat determination of interest rates can optimize
mengoptimalkan pinjaman, pendanaan dan lending, funding, and maintaining the Bank’s
memelihara struktur Neraca Bank yang sejalan Balance Sheet structure in line with the Asset
dengan strategi Pengelolaan Aset & Liabilitas. Management & Liability strategy.
4. Memastikan risiko pasar dan risiko likuiditas telah 4. Ensure market risk and liquidity risk have been
diidentifikasi, diukur, dipantau, dan dikendalikan/ identified, measured, monitored, and controlled/
dimitigasi. mitigated.
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TATA KELOLA PERUSAHAAN
Corporate Governance
KOMITE KREDIT
Credit Committee
Untuk memastikan kegiatan pemberian kredit yang To ensure effective lending activities, the Company
efektif, Perseroan membentuk Komite Kredit yang has established a Credit Committee responsible
bertugas untuk menyetujui permohonan kredit. for approving loan applications. Additionally, the
Selain itu, Perseroan juga telah memiliki kebijakan Company has policies and guidelines that govern loan
dan pedoman yang mengatur prosedur analisa kredit, analysis procedures, loan approval, loan recording
persetujuan kredit, pencatatan dan pengawasan and monitoring, as well as loan restructuring.
kredit serta restrukturisasi kredit.
Keanggotaan Komite Kredit | Credit Committee Membership
Ketua merangkap Anggota | Chairman and Member:
Direktur Utama | President Director
Anggota *) | Member *):
Head of SME atau/or Commercial Lending, atau/or Head of Network
Anggota **) | Member **)
Central Credit Group Head, atau/or Credit Review Departement Head
Catatan | Notes:
*) Apabila Head of SME & Commercial Lending dan Head of Network hadir bersama-sama, maka diperhitungkan sebagai satu suara.
If the Head of SME & Commercial Lending and Head of Network are present at the same time, the voting is counted as one vote.
**) Apabila Central Credit Group Head dan Credit Review Departement Head hadir bersama-sama, maka diperhitungkan sebagai satu suara.
If the Central Credit Group Head and Credit Review Department Head are present at the same time, the voting is counted as one vote.
Pembentukan Komite Kredit saat ini berdasarkan The establishment of the Credit Committee is currently
Surat Keputusan Direksi yang antara lain mengatur based on the Decree of the Board of Directors which
tugas dan wewenang Komite Kredit sebagai berikut: among others regulates the duties and authorities of
the Credit Committee as follows:
1. Tugas Utama Komite Kredit adalah: 1. The Main Duties of the Credit Committee are:
• Memberikan persetujuan atau penolakan atas • Provide approval or rejection of loan
permohonan kredit sesuai dengan Kebijakan applications in accordance with applicable
dan Prosedur Perkreditan yang berlaku. Loan Policies and Procedures.
• Melakukan koordinasi dengan Assets and • Coordinate with the Assets and Liabilities
Liabilities Committee (ALCO) dalam aspek Committee (ALCO) in the aspect of funding.
pendanaan kredit.
2. Setiap Anggota dapat menyetujui dan menolak 2. Each Member may approve and reject the loan
permohonan kredit. application.
3. Setiap Anggota dalam menggunakan 3. Each Member in exercising his/her own authority
wewenangnya masing-masing bertanggung is solely responsible for his or her decisions.
jawab penuh atas keputusannya.
4. Setiap Anggota diharapkan menggunakan 4. Each Member is expected to use common sense
common sense dan dapat mengambil keputusan and be able to take good and rational decisions,
yang baik dan rasional, terutama dalam menilai particularly in assessing the feasibility of the
kelayakan proposal serta risiko yang ditimbulkan. proposal and its inherent risks.
5. Setiap Anggota wajib memastikan agar setiap 5. Each Member is obliged to ensure that each
permohonan kredit yang disetujui memenuhi approved loan application meets the requirements
persyaratan dalam peraturan perbankan. in banking regulations.
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KOMITE MANAJEMEN RISIKO DAN
KEBIJAKAN PERKREDITAN
Risk Management and Credit Policy Committee
Komite Manajemen Risiko dan Kebijakan Perkreditan The Risk Management and Credit Policy Committee
dibentuk oleh Perseroan melalui Surat Keputusan was established by the Company through a Board
Direksi, yang bertujuan untuk melakukan evaluasi dan of Directors’ Decree, aiming to evaluate and provide
memberikan rekomendasi kepada Direktur Utama recommendations to the President Director or the
atau Direksi terkait penerapan Manajemen Risiko Board of Directors regarding the implementation of
dan Kebijakan Perkreditan sehubungan dengan Risk Management and Credit Policy in relation to risk
pelaksanaan manajemen risiko dan perumusan management execution and the formulation of credit
kebijakan perkreditan, pengawasan pelaksanaan policies, supervision of the implementation of credit
kebijakan perkreditan, pemantauan perkembangan policies, and monitoring of the development and
dan kondisi portofolio perkreditan. condition of the credit portfolio.
Komite Manajemen Risiko dan Kebijakan Perkreditan The Risk Management and Credit Policy Committee
membantu Direksi untuk memastikan bahwa proses assists the Board of Directors in ensuring that the
Manajemen Risiko dan Kebijakan Perkreditan Risk Management and Credit Policy processes are
diterapkan secara efektif sehingga pelaksanaan effectively applied to ensure that the execution of
kegiatan usaha tidak mengganggu kelangsungan business activities does not disrupt the Company’s
usaha Perseroan atau menimbulkan kerugian yang business continuity or cause losses greater than the
lebih besar dari kemampuan Perseroan untuk Company’s ability to bear.
menanggungnya.
Keanggotaan Komite Manajemen Risiko | Risk Management Committee Membership
Ketua | Chairman:
Direktur Kepatuhan, Manajemen Risiko & Personalia | Director of Compliance, Risk Management & Personnel
Wakil Ketua | Vice Chairman:
Direktur Utama | President Director
Anggota | Members:
• Direktur Innovation, IT & Operasi | Director of Innovation, IT & Operations
• Direktur Keuangan & Treasury | Director of Finance & Treasury
• Head of SME & Commercial Lending
• Head of Consumer & Micro
• Risk Management Group Head
• Kepala Divisi Kepatuhan | Compliance Division Head
• Kepala Divisi Internal Audit | Internal Audit Division Head
Anggota lain | Other Member:
• Kepala Divisi terkait yang diundang yang tidak memiliki hak suara | Invited relevant Division Head without voting rights
Sekretaris | Secretary:
Risk Management Group Head (merangkap anggota | member)
Tugas dan Tanggung Jawab Duties and Responsibilities
Komite Manajemen Risiko dan Kebijakan Perkreditan The Risk Management Committee has the following
memiliki tugas, tanggung jawab, dan wewenang duties and responsibilities:
sebagai berikut: 1. Develop Risk Management policies and its
1. Menyusun kebijakan Manajemen Risiko serta changes, including risk management strategies,
perubahannya, termasuk strategi manajemen risk appetite levels and risk tolerance, risk
risiko, tingkat Risiko yang diambil dan toleransi management frameworks and contingency plans
Risiko, kerangka Manajemen Risiko serta rencana to anticipate abnormal occurrences;
kontinjensi untuk mengantisipasi terjadinya
kondisi tidak normal;
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TATA KELOLA PERUSAHAAN
Corporate Governance
KOMITE MANAJEMEN RISIKO DAN KEBIJAKAN PERKREDITAN
Risk Management and Credit Policy Committee
2. Menyempurnakan proses Manajemen Risiko 2. Improve the Risk Management process
secara berkala maupun bersifat insidentil sebagai periodically and incidentally as a result of a change
akibat dari suatu perubahan kondisi eksternal dan in the Bank’s external and internal conditions that
internal Bank yang mempengaruhi kecukupan affect the adequacy of capital, the Bank’s risk
permodalan, profil risiko Bank dan tidak efektifnya profile and the ineffective implementation of Risk
penerapan Manajemen Risiko berdasarkan hasil Management based on the evaluation results;
evaluasi;
3. Menetapkan kebijakan dan/atau keputusan bisnis 3. Stipulate policies and/or business decisions that
yang menyimpang dari prosedur normal, seperti deviate from normal procedures, such as the
pelampauan ekspansi usaha yang signifikan implementation of significant business expansion
dibandingkan dengan Rencana Bisnis Bank yang compared to the Bank’s predefined Business Plan
telah ditetapkan sebelumnya atau pengambilan or the taking of positions/ exposures of risks that
posisi atau eksposur Risiko yang melampaui limit exceed established thresholds.
yang telah ditetapkan.
4. Merumuskan Kebijakan Perkreditan dan kajian 4. Formulate Credit Policy and periodic review of
berkala terhadap Kebijakan Perkreditan Bank, Bank Credit Policy, supervise the implementation
mengawasi pelaksanaan Kebijakan Perkreditan of Bank Credit Policy, monitor the development
Bank, memantau perkembangan dan kondisi and condition of credit portfolio, and provide
portofolio perkreditan, dan memberikan saran suggestions for corrective steps to the Board of
langkah perbaikan kepada Direksi. Directors.
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KOMITE PENGARAH TEKNOLOGI
INFORMASI
Information Technology Steering Committee
Komite Pengarah Teknologi Informasi (ITSC), The Information Technology Steering Committee
adalah komite di bawah Direksi yang bertanggung (ITSC) is a committee under the Board of Directors
jawab untuk membahas kemajuan teknologi yang responsible for discussing the technological
dikembangkan oleh Perseroan guna memenuhi advancements developed by the Company to meet
persyaratan infrastruktur jaringan, mematuhi network infrastructure requirements, comply with
peraturan pelaporan, dan memodifikasi kemajuan reporting regulations, and modify technological
teknologi yang dikeluarkan oleh regulator. advancements issued by regulators.
Keanggotaan Komite Pengarah Teknologi Informasi | Information Technology Steering Committee Membership
Anggota Tetap dengan Hak Voting | Permanent Members with Voting Rights
Ketua | Chairman:
IT, Operation & Innovation Director
Wakil Ketua | Vice Chairman:
IT Group Head
Anggota | Members:
Direktur Kepatuhan, Manajemen Risiko & Sumber Daya Manusia | Compliance, Risk Management & Human Resources
Director
Penyelenggara Teknologi Informasi | Information Technology Organizers
1. IT Application & Services Division Head
2. IT Core System & Services Division Head
3. IT Operation, Infrastructure & Network Division Head
4. IT Security, Governance & Planning Division Head sebagai Sekretaris Komite | as Committee Secretary
5. IT Solution Division Head
6. IT AS400 Specialist
Pengguna Utama Teknologi Informasi | Information Technology Main Users
1. Finance & Treasury Director
2. Head of SME Business & FI
3. Innovation Lab & Digital Payment Group Head
4. Central Operation Division Head
Anggota Tidak Tetap tanpa Hak Voting | Non-Permanent Members with Voting Rights
1. Risk Management Group Head
2. Compliance & Special Unit Division Head
3. Internal Audit Division Head (Kepala SKAI)
4. Finance Control Division Head
5. Project Management & Product Governance Division Head
6. Division Head atau pejabat lain bila diperlukan | Division Head or other executives if required.
Tugas, wewenang dan Tanggung Jawab Duties, Authorities and Responsibilities
Tugas, wewenang dan Tanggung Jawab komite ini The duties, authorities and responsibilities of this
adalah sebagai berikut: committee are as follows:
1. Melakukan review dan memberikan rekomendasi 1. Review and provide recommendations to the Board
kepada Direksi yang terkait dengan Rencana of Directors related to the lnformation Technology
Strategis Teknologi lnformasi (lnformation Strategic Plan in line with the strategic plan of the
Technology Strategic Plan) yang searah dengan Company’s business activities;
rencana strategis Kegiatan usaha Perseroan;
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TATA KELOLA PERUSAHAAN
Corporate Governance
KOMITE PENGARAH TEKNOLOGI INFORMASI
Nformation Technology Steering Committee
2. Melakukan review dan memberikan rekomendasi 2. Review and provide recommendations on the
atas perumusan kebijakan dan prosedur Tl yang formulation of IT key policies and procedures
utama seperti kebijakan pengamanan Tl dan such as IT security policies and risk management
manajemen risiko terkait penggunaan Tl; related to the use of IT;
3. Melakukan review dan memberikan rekomendasi 3. Review and provide recommendations to the Board
kepada Direksi yang terkait dengan kesesuaian of Directors related to the suitability of lnformation
proyek-proyek Teknologi lnformasi yang Technology projects approved with the lnformation
disetujui dengan Rencana Strategis Teknologi Technology Strategic Plan that has been made by
lnformasi yang telah dibuat oleh Perseroan serta the Company and establish the priority status of
menetapkan status prioritas proyek Tl yang the critical IT project (significantly impacting the
bersifat kritikal (berdampak signifikan terhadap Company’s operational activities);
kegiatan operasional Perseroan);
4. Melakukan review dan memberikan rekomendasi 4. Review and provide recommendations to the Board
kepada Direksi yang terkait dengan kesesuaian of Directors related to the conformity between
antara pelaksanaan proyek-proyek Teknologi the implementation of lnformation Technology
lnformasi dengan rencana proyek yang disepakati; projects and the agreed project plan;
5. Melakukan review dan memberikan rekomendasi 5. Review and provide recommendations to the
kepada Direksi yang terkait dengan kesesuaian Board of Directors related to the conformity
Teknologi lnformasi dengan kebutuhan sistem of lnformation Technology with the needs of
informasi manajemen yang mendukung management information systems that support
pengelolaan kegiatan usaha Perseroan; the management of the Company’s business
activities;
6. Melakukan review dan memberikan rekomendasi 6. Review and provide recommendations to the Board
kepada Direksi yang terkait dengan efektivitas of Directors related to the effectiveness of measures
langkah-langkah meminimalkan risiko atas to minimize the risk to the Company’s investment
investasi Perseroan pada sektor Teknologi in the lnformation Technology sector and such
lnformasi dan bahwa investasi tersebut investment contributes to the achievement of the
memberikan kontribusi terhadap tercapainya Company’s business objectives;
tujuan bisnis Perseroan;
7. Melakukan review dan memberikan rekomendasi 7. Review and provide recommendations to the Board
kepada Direksi yang terkait dengan aktivitas of Directors related to supervision and monitoring
pengawasan dan pemantauan atas kinerja activities on the performance of lnformation
Teknologi lnformasi dan upaya peningkatannya; Technology and its improvement efforts;
8. Membantu Direksi dalam me-review dan 8. Assist the Board of Directors in reviewing and
menetapkan serta memonitor penerapan prinsip- establishing and monitoring the application of the
prinsip sistem pengawasan dan pengamanan principles of surveillance and security systems
terhadap penggunaan sistem dan aplikasi yang to the use of high-risk systems and applications,
mengandung risiko tinggi, khususnya yang especially those concerning database technology,
menyangkut teknologi database, komputer mikro, microcomputers, and data communication;
dan komunikasi data;
9. Melakukan review dan memberikan rekomendasi 9. Review and provide recommendations to the
kepada Direksi yang terkait dengan upaya Board of Directors related to efforts to solve
penyelesaian berbagai masalah terkait Teknologi various issues related to lnformation Technology
lnformasi yang tidak dapat diselesaikan oleh that cannot be solved by user and organizing units
satuan kerja pengguna dan penyelenggara secara effectively, efficiently and in a timely manner;
efektif, efisien dan tepat waktu;
10. Membantu Direksi dalam me-review dan 10. Assist the Board of Directors in reviewing and
menetapkan kebijakan dalam penggunaan establishing policies in the use of lnformation
Teknologi lnformasi agar sesuai dengan Technology to suit the needs and financial
kebutuhan dan kemampuan keuangan Perseroan; capabilities of the Company;
228 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KOMITE PENGARAH TEKNOLOGI INFORMASI
Nformation Technology Steering Committee
11. Membantu Direksi dalam menetapkan 11. Assist the Board of Directors in establishing
pengendalian manajemen yang meliputi management control which includes planning,
perencanaan, penetapan kebijaksanaan, standar determining wisdom, standards, and procedures,
dan prosedur, serta organisasi yang berkaitan as well as organizations related to the use of the
dengan penggunaan Teknologi lnformasi Company’s lnformation Technology;
Perseroan;
12. Membantu Direksi dalam me-review menetapkan 12. Assist the Board of Directors in reviewing and
sistem kontrol terhadap sistem aplikasi Teknologi establishing a control system for the application
lnformasi yang akan digunakan yang mencakup system of lnformation Technology which includes
pengadaan, pengembangan, pengoperasian dan its procurement, development, operation, and
pemeliharaannya; maintenance;
13. Melakukan review dan memberikan rekomendasi 13. Review and provide recommendations to the
kepada Direksi dalam menetapkan vendor aplikasi Board of Directors in determining the vendor of
Teknologi lnformasi apabila penyelenggaraan the lnformation Technology application if the
TSI diserahkan kepada pihak ketiga, apabila implementation of IST is submitted to a third party,
diperlukan. if needed.
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TATA KELOLA PERUSAHAAN
Corporate Governance
KOMITE PRODUK & AKTIVITAS BANK
The Bank’s Product and Activity Committee
Komite Produk dan Kegiatan Bank adalah komite The Bank’s Product and Activity Committee is an
eksekutif yang membantu Direksi melaksanakan executive committee which assists the Board of
tanggung jawabnya dengan menelaah setiap inisiatif, Directors carry out its responsibilities by reviewing
proses persiapan, pengajuan, manajemen risiko, each initiative, preparation process, submission,
pelaksanaan, pemantauan, dan evaluasi terhadap risk management, implementation, monitoring, and
setiap produk dan kegiatan yang akan diterbitkan evaluation of each product and activity that the Bank
atau telah dilakukan oleh rencana strategis Bank. will issue or has already carried out by the Bank’s
strategic plan.
Keanggotaan Komite Produk & Aktivitas Bank | The Bank’s Product and Activity Committee Membership
Ketua merangkap Anggota | Chairman and Member:
Innovation Lab Group Head
Wakil Ketua merangkap Anggota | Vice Chairman and Member:
IT Group Head
Sekretaris | Secretary:
Product Governance Specialist
Anggota Komite | Committee Members:
Internal Audit Division Head (SKAI)
Risk Management Division Head
Compliance & Special Unit Division Head
Legal Division Head
Branch Quality Assurance Division Head
Anggota sebagai Product Owner | Member as Product Owner:
Satu atau lebih Group Head/Division Head yang menjadi Product Owner dari suatu Produk Bank Baru. | One or more of
Group Head/Division Head as Product Owner from a New Bank Product.
Undangan (tanpa Hak Voting) | Invitees (without Voting Rights):
Undangan/invitee pihak internal lainnya apabila diperlukan. | Invitee from other internal parties if required.
Tugas dan Wewenang Duties and Authority
1. Mengkaji setiap usulan Produk Bank Baru yang 1. Reviewing every proposal of New Bank Products
disampaikan product owner baik pada sisi bisnis submitted by the product owner both on the
maupun non bisnis (analisis risiko, kesiapan business and non-business side (risk analysis,
operasional, pengembangan IT, kecukupan operational readiness, IT development, adequacy
dan ketersediaan prosedur dan lain-lain) dan and availability of procedures and others) and
memberikan rekomendasi kepada Direksi atas provide recommendations to the Board of Directors
usulan Produk Bank Baru tersebut; on the proposal of the New Bank Product;
2. Memastikan persiapan pengajuan Produk Bank 2. Ensuring that the preparation of the submission
Baru kepada Direksi/Regulator telah lengkap dan of New Bank Products to the Board of Directors or
memenuhi ketentuan yang berlaku; Regulators is completed and meets the applicable
provisions;
3. Menerima dan mengevaluasi laporan 3. Receiving and evaluating reports on the
pelaksanaan/implementasi Produk Bank Baru; implementation of New Bank Products;
4. Melakukan monitoring dan review atas kesesuaian 4. Monitoring and reviewing the suitability of the plan
rencana dengan implementasi Produk Baru; with the implementation of the New Product;
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SEKRETARIS PERUSAHAAN
Corporate Secretary
Menindaklanjuti Peraturan OJK No. 35/POJK.04/2014 Following OJK Regulation No. 35/POJK.04/2014 on the
tentang Sekretaris Perusahaan Emiten atau Corporate Secretary of Issuers or Public Companies,
Perusahaan Publik serta dalam rangka meningkatkan and to improve investor services for the Company that
pelayanan kepada para pemodal bagi Perseroan has been listed on a stock exchange, the Company is
yang telah listing di bursa, maka berkewajiban untuk required to appoint a Corporate Secretary who serves
membentuk Sekretaris Perusahaan, yang berperan as the Company’s liaison with investors, capital market
sebagai penghubung Perseroan dengan pihak participants, regulators, and observers.
investor, pelaku pasar modal, regulator dan para
pengamat.
Sekretaris Perusahaan bertanggung jawab langsung The Corporate Secretary is directly responsible to the
kepada Direksi serta diangkat dan diberhentikan Board of Directors and is appointed and dismissed
berdasarkan keputusan Direksi. Sekretaris based on the Decree of the Board of Directors. The
Perusahaan bertanggung jawab memfasilitasi Corporate Secretary is responsible in facilitating
komunikasi antara Direksi, Dewan komisaris, para communication between the Board of Directors,
pemegang saham, otoritas pasar modal dan para the Board of Commissioners, shareholders, capital
pemangku kepentingan lainnya agar terjalin dengan market authorities and other stakeholders so as to
lancar, efektif, transparan dan komprehensif dengan be efficient, effective, transparent and comprehensive
tetap memperhatikan prinsip standar etika, prinsip by taking into account the ethical standard, GCG
GCG, dan nilai-nilai yang dipegang teguh oleh principles and values held by the Company.
Perseroan.
Dasar Hukum dan Profil Sekretaris Perusahaan Legal References and Profile of Corporate Secretary
Perseroan telah memiliki Sekretaris Perusahaan The Company has a Corporate Secretary based on
berdasarkan Surat Keputusan Direksi No. 012/ the Decree of the Board of Directors No. 012/SK/
SK/DIR/IV/13 tanggal 10 April 2013 perihal Surat DIR/IV/13 dated 10 April 2013 regarding Letter of
Penunjukan Sekretaris Perusahaan. Adapun profil Appointment of Corporate Secretary. The profile of
Sekretaris Perusahaan dapat dilihat berikut ini: the Corporate Secretary shall be as follows:
Mario Satrio Wibowo
Sekretaris Perusahaan
Corporate Secretary
Kewarganegaraan Warga Negara Indonesia
Citizenship Indonesian citizen
Kelahiran Lahir di Solo pada tahun 1977
Birth Born in Solo in 1977
Domisili Jakarta
Domicile
Pendidikan Memperoleh gelar Sarjana Ekonomi Jurusan Akuntansi dari Universitas
Education Sebelas Maret Surakarta, dan Master of Business Administration bidang
Strategic Management dari Fakultas Ekonomika dan Bisnis Universitas
Gadjah Mada.
Obtained a Bachelor of Economics Degree in Accounting from Sebelas
Maret University Surakarta and a Master of Business Administration in
Strategic Management from the Faculty of Economics and Business,
Gadjah Mada University.
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TATA KELOLA PERUSAHAAN
Corporate Governance
SEKRETARIS PERUSAHAAN
Corporate Secretary
Riwayat Pekerjaan Mengawali karir di industri keuangan di PT Trimegah Securities Tbk sebagai corporate marketing
Professional History Kantor Cabang Solo dan selanjutnya pada berbagai posisi sampai dengan jabatan Strategic
Alliance Manager. Bergabung dengan Perseroan pada Mei tahun 2011 sebagai Financial
Institution Departement Head dan selanjutnya ditunjuk sebagai Corporate Secretary Perseroan
pada tahun 2013.
Began his career in the financial industry at PT Trimegah Securities Tbk as a Corporate Marketing
at the Solo Branch Office and subsequently in various positions up to the position of Strategic
Alliance Manager. Joined the Company in May 2011 as Financial Institution Department Head
and was subsequently appointed as Corporate Secretary of the Company in 2013.
Pelatihan 2023 16-20 Januari 2023
ISO 37001:2016 (Refreshment Training)
Training in 2023 January 16-20, 2023
6 Juli 2023
Think Like Customer
July 6, 2023
24-28 Juli 2023
ISO 37001:2016 (Refreshment Training)
July 24-28, 2023
14 September 2023
Innovation Month: Building a Service Culture
September 14, 2023
21 September 2023
Innovation Month: Banking Outlook
September 21, 2023
27 September 2023
Innovation Month: The Essential of Agile Leadership
September 27, 2023
27 September 2023
Innovation Month: SHInE & Moving Forward
September 27, 2023
Refreshment Sertifikasi Manajemen Risiko : Digital Transformation
and Its Implication on Risk Management 23 November 2023
Risk Management Certification Refreshment : Digital November 23, 2023
Transformation and Its Implication on Risk Management
Refreshment Rencana Aksi Keuangan Berkelanjutan (RAKB) 20 Desember 2023
Refreshment of the Sustainable Financial Action Plan (RAKB) December 20, 2023
Tugas dan tanggung jawab Sekretaris Duties and responsibilities of Corporate Secretary
Perusahaan
Sesuai dengan POJK No. 35/POJK.04/2014 tentang Pursuant to POJK No. 35/POJK.04/2014 concerning
Sekretaris Perusahaan Emiten atau Perusahaan the Corporate Secretary of Issuers or Public
Publik, fungsi sekretaris perusahaan melaksanakan Companies, the function of the corporate secretary
tugas paling kurang meliputi: carries out the duties at least includes:
a. Mengikuti perkembangan Pasar Modal khususnya a. Keep abreast of developments in the Capital
peraturan perundang-undangan yang berlaku di Market, particularly the prevailing laws and
bidang Pasar Modal; regulations in the Capital Market;
b. Memberikan masukan kepada Direksi dan Dewan b. Providing input to the Board of Directors and the
Komisaris Perseroan untuk mematuhi ketentuan Board of Commissioners of the Company to
peraturan perundang-undangan di bidang Pasar comply with the provisions of laws and regulations
Modal; in the Capital Market sector;
1. Membantu Direksi dan Dewan Komisaris 1. Assisting the Board of Directors and the Board
dalam pelaksanaan tata kelola perusahaan of Commissioners in implementing good
yang meliputi: corporate governance, which includes:
2. keterbukaan informasi kepada masyarakat, 2. transparency of information to the public,
termasuk ketersediaan informasi pada Situs including the availability of information on the
Web Perseroan; Website of the Company;
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SEKRETARIS PERUSAHAAN
Corporate Secretary
3. penyampaian laporan kepada Otoritas Jasa 3. timely submission of reports to the Financial
Keuangan tepat waktu; Service Authority;
4. penyelenggaraan dan dokumentasi Rapat 4. organizing and documenting the General
Umum Pemegang Saham; Meeting of Shareholders;
5. penyelenggaraan dan dokumentasi rapat 5. organizing and documenting the meetings
Direksi dan/atau Dewan Komisaris; dan of the Board of Directors and/or the Board of
Commissioners; and
6. pelaksanaan program orientasi terhadap 6. implementation of a company orientation
perusahaan bagi Direksi dan/atau Dewan program for the Board of Directors and/or the
Komisaris. Board of Commissioners.
c. Sebagai penghubung antara Perseroan dengan c. As a liaison between the Company and the
pemegang saham, Otoritas Jasa Keuangan, dan shareholders, the Financial Services Authority, and
pemangku kepentingan lainnya. other stakeholders.
Pelaksanaan Kegiatan Sekretaris Perusahaan Implementation of Corporate Secretary Activities
Selama tahun 2023, pelaksanaan kegiatan Sekretaris During 2023, the implementation of the Corporate
Perusahaan sebagai berikut: Secretary’s activities was as follows:
a. Laporan Keuangan Tahunan. a. Annual Financial Statements.
b. Laporan Keuangan Interim Maret 2023. b. Interim Financial Statements March 2023.
c. Laporan Keuangan Tengah Tahun (audited). c. Mid-Year Financial Statements (audited).
d. Laporan Keuangan Interim September 2023. d. Interim Financial Statements September 2023.
e. Laporan Registrasi Saham Bulanan kepada BEI. e. Monthly Share Registration Report to IDX.
f. Laporan Komposisi Pemegang Saham kepada f. Shareholder Composition Report to OJK Bank
OJK Pengawas Bank. Supervisor.
g. Laporan Penggunaan Dana IPO Juni 2023. g. Report on the Use of IPO Proceeds June 2023.
h. Keterbukaan Informasi h. Information Disclosure
1. 1 Maret 2023 - Keterbukaan Informasi 1. March 1, 2023 - Information Disclosure of
Pelaksanaan Inbreng Inbreng Implementation.
2. 7 Maret 2023 - Keterbukaan Informasi – 2. March 7, 2023 - Information Disclosure - Capital
Penambahan Modal dengan Hak memesan Increase with Pre-emptive Rights (PMHMETD)
Efek Terlebih Dahulu (PMHMETD) III III.
3. 2 Agustus 2023 - Keterbukaan Informasi 3. August 2, 2023 - Disclosure of Affiliated
Transaksi Afiliasi Transaction Information.
i. Penyampaian Laporan kepada Otoritas Jasa i. Submission of Reports to the Financial Services
keuangan Authority
1. Laporan Bulanan Komposisi Pemegang 1. Monthly Report on Shareholders Composition
Saham
2. Laporan Rencana & Mata Acara Rapat Umum 2. Annual General Meeting of Shareholders Plan
Pemegang Saham Tahunan & Agenda Report
3. Laporan Rencana & Mata Acara Rapat Umum 3. Report on the Plan & Agenda of the
Pemegang Saham Luar Biasa Extraordinary General Meeting of Shareholders
4. Laporan Informasi Pengendali Perseroan 4. Company Controller Information Report
5. Laporan Kepemilikan Saham Direksi 5. Directors’ Share Ownership Report
j. Penyelenggaraan Rapat dan Dokumentasi j. Meeting Organization and Documentation
1. Penyelenggaraan Rapat Umum Pemegang 1. Organization of the Annual General Meeting of
Saham Tahunan Shareholders
2. Penyelenggaraan Rapat Umum Pemegang 2. Organization of Extraordinary General Meeting
Saham Luar Biasa of Shareholders
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TATA KELOLA PERUSAHAAN
Corporate Governance
3. Penyelenggaraan Rapat Dewan Komisaris 3. Organization of the Board of Commissioners
Meeting
4. Penyelenggaraan Rapat Komite Audit, Komite 4. Organization of Audit Committee, Risk
Pemantau Risiko Monitoring Committee Meetings
5. Penyelenggaraan Rapat Direksi 5. Organization of Board of Directors Meeting
6. Penyelenggaraan Rapat ITSC dan Rapat ALCO 6. Organization of ITSC Meeting and ALCO
Meeting
k. Pelaksanaan Tanggung Jawab Sosial Perseroan k. Implementation of Corporate Social Responsibility
1. Pemberian Donasi Kegiatan Bakti Sosial FKUI 1. Donation for FKUI Social Service Activities held
yang dilaksanakan pada tanggal 20 May 2023. on May 20, 2023.
2. Pemberian Donasi Kegiatan Youth Basketball 2. Donation for Youth Basketball Association
Association Winter Cup 2023 yang telah Winter Cup 2023 which was held on December
dilaksanakan pada tanggal 9-30 Desember 9-30, 2023.
2023.
3. Pemberian Donasi Kegiatan BPJS Kesehatan 3. Providing donations for BPJS Health activities
melalui acara Crowd Funding pada tanggal 12 through Crowd Funding events on December
December 2023. 12, 2023.
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FUNGSI KEPATUHAN
Compliance Function
Fungsi Kepatuhan adalah bersifat pencegahan, The Compliance function is preventive in nature,
memastikan bahwa seluruh kebijakan, ketentuan, ensuring that all policies, provisions, systems, and
sistem, dan prosedur, serta kegiatan usaha procedures, as well as the Bank's business activities,
Bank, konsisten dengan ketentuan Otoritas. are consistent with the Authority's provisions. The Bank
Bank menjalankan fungsi kepatuhannya dengan performs its compliance function by implementing
menerapkan dan mengembangkan Budaya and developing a Compliance Culture at all levels
Kepatuhan di semua tingkat organisasi dan kegiatan of the Bank's organisation and business activities,
usaha Bank, termasuk penegakan peraturan yang including consistent regulatory enforcement.
konsisten.
Untuk melaksanakan fungsi kepatuhan, Bank telah To carry out the compliance function, the Bank has
memiliki Direktur yang membawahkan Fungsi a Director in charge of the Compliance Function and
Kepatuhan dan Satuan Kerja Kepatuhan yang Compliance Working Unit in charge of managing
bertugas dalam pengelolaan Risiko Kepatuhan, yaitu Compliance Risk, which is the risk that arises if the
risiko yang muncul apabila Bank melanggar atau Bank violates or does not implement the applicable
tidak melaksanakan peraturan dan ketentuan yang rules and regulations. Compliance Management also
berlaku. Pengelolaan Kepatuhan juga bertujuan aims to develop a Compliance Culture in all Work Units
untuk mengembangkan Budaya Kepatuhan di semua so that compliance management becomes a form
Unit Kerja sehingga pengelolaan kepatuhan menjadi of discipline in every activity of the Bank. In addition,
salah satu bentuk disiplin pada setiap aktivitas Bank. the Bank always implements Anti-Money Laundering
Selain itu, Bank senantiasa melaksanakan program and Terrorism Financing Prevention programmes and
Anti Pencucian Uang dan Pencegahan Pendanaan Prevention of Funding the Proliferation of Weapons of
Terorisme dan Pencegahan Pendanaan Proliferasi Mass Destruction, manages a Whistleblowing system
Senjata Pemusnah Massal, mengelola sistem and monitors the implementation of governance.
Whistleblowing serta pemantauan implementasi tata
kelola.
Direktur yang membawahi Fungsi Kepatuhan The Director in charge of the Compliance Function
berperan dalam menjalankan: plays a role in carrying out:
• Memastikan kepatuhan Perseroan terhadap • Ensure the Company’s compliance with the
ketentuan Bank Indonesia, OJK dan peraturan dan provisions of Bank Indonesia, OJK and other
ketentuan yang berlaku lainnya, yang dijalankan applicable rules and regulations, which is carried
dengan melalui: out through:
- Penetapan langkah-langkah yang diperlukan - Determination of the necessary steps with due
dengan memperhatikan prinsip kehati-hatian; regard to the precautionary principle;
- Memonitor dan menjaga agar kegiatan usaha - Monitor and maintain that the Company’s
Perseroan tidak menyimpang dari ketentuan business activities do not deviate from the
dan peraturan perundang-undangan yang prevailing laws and regulations;
berlaku;
- Memantau dan menjaga kepatuhan Perseroan - Monitor and maintain the Company’s
terhadap seluruh perjanjian dan komitmen compliance with all agreements and
yang dibuat kepada OJK, Bank Indonesia, dan commitments made to OJK, Bank Indonesia,
lembaga otoritas lainnya yang berwenang. and other competent authorities.
• Mencegah Direksi agar tidak menjalankan • Preventing the Board of Directors from carrying
kebijakan maupun membuat keputusan yang out policies or making decisions that are not in
tidak sesuai dengan ketentuan dan peraturan accordance with the relevant laws and regulations.
perundang-undangan yang berlaku.
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TATA KELOLA PERUSAHAAN
Corporate Governance
FUNGSI KEPATUHAN
Compliance Function
• Direktur yang membawahi Fungsi Kepatuhan • The Director in charge of the Compliance Function
secara berkala melaporkan pelaksanaan tugas periodically reports the implementation of his
dan tanggung jawabnya kepada Direktur Utama duties and responsibilities to the President Director
dengan tembusan kepada Dewan Komisaris with a copy to the Board of Commissioners.
• Penunjukan Direktur yang membawahi Fungsi • The appointment of the Director in charge of the
Kepatuhan telah sesuai dengan ketentuan yang Compliance Function is in accordance with the
berlaku. applicable regulations.
Berkaitan dengan penerapan fungsi kepatuhan, In relation to the implementation of the compliance
Perseroan telah menjalankan hal-hal sebagai berikut: function, the Company has carried out the following
matters:
• Menyediakan dan menambah sumber daya yang • Provide and add adequate resources to complete
memadai untuk menyelesaikan tugas secara tasks effectively.
efektif.
• Menyampaikan laporan pokok pelaksanaan tugas • Submit the main report on the implementation
Direktur Kepatuhan kepada OJK dan pihak terkait. of the Compliance Director’s duties to OJK and
related parties.
• Menjalankan training Pelaksanaan Program • Conduct training on the Implementation of
Anti Pencucian Uang, Pencegahan Pendanaan the Anti-Money Laundering and Prevention of
Terorisme dan Proliferasi Senjata Pemusnah Terrorism Financing Programs for all employees of
Massal kepada seluruh pegawai Perseroan. the Company.
• Memantau dan menyampaikan laporan rencana • Monitor and submit the Report on the
pelaksanaan proses pengkinian data nasabah. implementation plan of the customer data
updating process.
• Menerapkan dan mengkinikan sistem informasi • Implement and update information systems to
untuk mendukung pelaksanaan program Anti support the implementation of the Anti-Money
Pencucian Uang, Pencegahan Pendanaan Laundering, Prevention of Terrorism Financing
Terorisme dan Proliferasi Senjata Pemusnah programs, and Proliferation of Weapons of Mass
Massal. Destruction.
• Menyesuaikan pedoman APU, PPT dan PPPSPM • Adjusting the Bank's AML, CFT and PPPSPM
Bank dengan ketentuan regulasi yang baru guidelines to the new regulatory provisions issued
diterbitkan oleh regulator dan pedoman yang telah by the regulator and the adjusted guidelines have
disesuaikan tersebut telah disampaikan kepada been submitted to the OJK regulator.
regulator OJK.
• Membahas APU, PPT & PPPSPM dalam rapat • Discussing AML, CFT & PPPSPM in Board of
Direksi dan rapat Dewan Komisaris. Directors meetings and Board of Commissioners
meetings.
• Melakukan kaji ulang terhadap Produk dan • Reviewing New Products and Activities before
Aktivitas Baru sebelum disampaikan kepada submitting them to OJK as well as conducting a
OJK serta melakukan compliance checklist untuk compliance checklist to ensure readiness for the
memastikan kesiapan beroperasinya jaringan operation of the new office.
kantor baru.
• Memonitor pemenuhan komitmen kepada OJK • Monitor the fulfilment of commitments to OJK and
dan Otoritas lainnya. other authorities.
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FUNGSI AUDIT INTERNAL
Internal Audit Function
Dalam pelaksanaan fungsi audit, Direksi telah In implementing the audit function, the Board of
melaksanakan antara lain: Directors has carried out the following activities:
• Mengembangkan kerangka pengendalian intern • Develop an internal control framework to identify,
untuk mengidentifikasi, mengukur, memantau measure, monitor and control all risks faced by the
dan mengendalikan semua risiko yang dihadapi Bank.
Bank.
• Memastikan telah dilakukan tindakan perbaikan • Ensure that appropriate corrective actions have
yang tepat dalam waktu yang cepat terhadap been taken in a short period of time on all findings
semua temuan dan rekomendasi Satuan Kerja and recommendations of the Internal Audit Unit
Audit Internal (SKAI). (SKAI).
• Memastikan kepala SKAI memiliki sumber • Ensure that the head of the SKAI has the resources
daya serta anggaran yang diperlukan untuk and budget needed to carry out the duties and
menjalankan tugas dan fungsi sesuai dengan functions in accordance with the annual audit
rencana audit tahunan. plan.
• Direksi Bank memberikan dukungan penuh • The Board of Directors of the Bank fully supports
kepada SKAI untuk bekerja secara independen SKAI to work independently without intervention of
tanpa intervensi dalam bentuk apapun juga. any kind. SKAI’s activities are free from interventions
Aktivitas SKAI bebas dari intervensi dalam in determining the audit scope, conducting audits,
penentuan ruang lingkup audit, pelaksanaan audit and communicating the audit results.
dan komunikasi hasil audit.
Dalam kaitannya dengan Fungsi Audit Internal, In relation to the Internal Audit Function, the Company
Perseroan telah melaksanakan hal-hal sebagai has carried out the following:
berikut:
• Memiliki Standar Pelaksanaan Fungsi Audit Intern • Have a Standard Implementation of the Bank’s
Bank (SPFAIB), serta: Internal Audit Function (SPFAIB), as well as;
• Menyusun Piagam Audit Intern (Internal Audit • Prepare an Internal Audit Charter;
Charter);
• Membentuk Satuan Kerja Audit Intern (SKAI); • Forming an Internal Audit Unit (SKAI);
• Menyusun panduan audit internal. • Develop Internal Audit Guidelines.
• Kelembagaan SKAI yang independen terhadap • SKAI institution that is independent from the
satuan kerja operasional. operational work unit;
• Melakukan review secara berkala atas efektivitas • Conduct periodic reviews of the effectiveness of
pelaksanaan kerja SKAI dan kepatuhannya SKAI work performance and compliance with
terhadap SPFAIB oleh pihak eksternal setiap tiga SPFAIB by external parties every three years.
tahun.
• Menyediakan dan menambah sumber daya • Provide and increase human resources in the fields
manusia di bidang audit dan pengawasan of auditing and supervision adequately in line with
secara memadai seiring dengan peningkatan the increasing complexity and development of the
kompleksitas dan perkembangan bisnis Company’s business.
Perseroan.
• Melaksanakan training/pendidikan berkelanjutan • Carry out training/continuing education to
untuk peningkatan kompetensi dan skill auditor. increase the competence and skills of auditors.
SATUAN KERJA AUDIT INTERNAL (SKAI) INTERNAL AUDIT UNIT (SKAI)
Sesuai dengan Peraturan Otoritas Jasa Keuangan In accordance with the Financial Services Authority
No. 1/POJK.03/2019 tentang Penerapan Fungsi Regulation No. 1/POJK.03/2019 concerning the
Audit Intern Pada Bank Umum, Perseroan telah Implementation of the Internal Audit Function in
memperbaharui Piagam Internal Audit yang Commercial Banks, the Company has updated the
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TATA KELOLA PERUSAHAAN
Corporate Governance
FUNGSI AUDIT INTERNAL
Internal Audit Function
ditetapkan pada tanggal 19 Mei 2022 dan telah Internal Audit Charter stipulated on 19 May 2022 and
mengangkat Sdr. Abd Hadi sebagai Kepala Satuan has appointed Mr. Abd Hadi as Head of the Internal
Kerja Audit Internal (SKAI) berdasarkan Surat Audit Work Unit (SKAI) based on the Company’s Head
Keputusan Kantor Pusat Perseroan No. 269/SK/DIR/ Office Decree No. 269/SK/DIR/VIII/2021 dated 16
VIII/2021 tanggal 16 Agustus 2021. August 2021.
Adapun profil Kepala SKAI dapat dilihat berikut ini: The profile of the Head of SKAI can be seen below:
Abd Hadi
Kepala SKAI
Head of SKAI
Kewarganegaraan Warga Negara Indonesia
Citizenship Indonesian Citizen
Kelahiran Lahir di Jakarta pada tahun 1968
Birth Born in Jakarta in 1968
Domisili Berdomisili di Tangerang Selatan, Banten
Domicile Residing in Tangerang Selatan, Banten
Latar belakang profesi • Mengawali karirnya pernah menjabat sebagai Kepala Divisi Audit
Professional Background di PT. Bank CIMB Niaga, pada periode Tahun 2009 s.d 2019.
• Kepala Departemen Internal Audit di Perseroan pada periode
2020 s.d. 2021.
• Starting his career, he served as Head of the Audit Division at PT.
Bank CIMB Niaga, in the period 2009 to 2019.
• Head of the Internal Audit Department at company in the period
2020 s.d. 2021.
Adapun tugas dan tanggung jawab dari Divisi Audit Duties and responsibilities of the Internal Audit
Internal meliputi: Division include:
1. Membantu tugas Direktur Utama dan Dewan 1. Assisting the duties of the President Director
Komisaris dalam melakukan pengawasan dengan and the Board of Commissioners in conducting
cara menjabarkan secara operasional baik supervision by describing the operational planning,
perencanaan, pelaksanaan maupun pemantauan implementation and monitoring of audit results.
hasil audit.
2. Berkewajiban untuk: 2. Has the obligation to:
a. Memberikan laporan audit kepada Direktur a. Provide audit reports to the President Director
Utama dan Dewan Komisaris dengan and the Board of Commissioners, with a copy
tembusan kepada Direktur Kepatuhan. to the Compliance Director.
b. Mempersiapkan laporan pelaksanaan b. Prepare an implementation report and main
dan pokok-pokok hasil audit yang akan points of audit results to be submitted to the
disampaikan kepada OJK setiap semester OJK every semester, signed by the President
yang ditandatangani oleh Direktur Utama dan Director and the Board of Commissioners.
Dewan Komisaris.
c. Mempersiapkan segera laporan hasil audit c. Immediately prepare a report on audit results
yang diperkirakan dapat mengganggu that are expected to disrupt the continuity
kelangsungan usaha bank. Laporan tersebut of the Bank’s business. This report must be
harus disampaikan kepada OJK oleh Direktur submitted to OJK by the President Director and
Utama dan Dewan komisaris. the Board of Commissioners.
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FUNGSI AUDIT INTERNAL
Internal Audit Function
d. Menyusun rencana audit tahunan dan alokasi d. Prepare an annual audit plan and budget
anggaran untuk pelaksanaan fungsi audit allocation for the implementation of the audit
serta memastikan pelaksanaan audit intern function and ensure the implementation of
sesuai dengan rencana audit tahunan, internal audit in accordance with the annual
audit plan,
e. Membuat dan menyimpan kertas kerja e. Creating and storing adequate examination
pemeriksaan yang memadai sesuai dengan paperwork in accordance with applicable
peraturan yang berlaku. regulations.
f. Melaksanakan Quality Assurance & f. Implementing the Quality Assurance &
Improvement Program (QAIP) yang mencakup Improvement Program (QAIP) which covers all
semua aspek aktivitas internal audit. QAIP internal audit activities aspect. The QAIP includes
tersebut meliputi evaluasi kepatuhan internal evaluation of internal audit compliance with the
audit terhadap definisi internal audit, serta definition of internal audit, and evaluation of
evaluasi apakah auditor menerapkan kode whether the auditor applies a code of ethics. QAIP
etik. QAIP juga menilai efisiensi dan efektivitas also assesses the efficiency and effectiveness of
internal audit serta mengidentifikasikan internal audits and identifies opportunities for
peluang untuk perbaikan. improvement.
g. Memastikan anggota SKAI mengikuti g. Ensure that SKAI members attend ongoing
pendidikan dan pelatihan profesional yang professional education and training in accordance
berkelanjutan sesuai dengan perkembangan with the development of business activities and
kegiatan usaha dan kompleksitas Bank. the complexity of the Bank.
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TATA KELOLA PERUSAHAAN
Corporate Governance
PENERAPAN MANAJEMEN RISIKO DAN
SISTEM PENGENDALIAN INTERN
Implementation of Risk Management and Internal Control Systems
Untuk menjaga tingkat risiko tetap berada dalam batas In order to keep the risk level within the predetermined
yang telah ditetapkan, pengelolaan risiko dilakukan limits, the risk management is carried out by
dengan menerapkan praktik-praktik manajemen implementing sound risk management practices, such
risiko yang baik, seperti membentuk unit manajemen as establishing an independent risk management unit
risiko yang independen dan mengembangkan and developing appropriate risk management policies
kebijakan dan prosedur manajemen risiko yang tepat. and procedures.
Risiko yang dikelola oleh Perseroan mencakup 8 The risk managed by the Company cover of 8 (eight)
(delapan) jenis risiko: Risiko Kredit, Risiko Pasar, Risiko types of risk: Credit Risk, Market Risk, Liquidity Risk,
Likuiditas, Risiko Operasional, Risiko Hukum, Risiko Operational Risk, Legal Risk, Compliance Risk,
Kepatuhan, Risiko Reputasi dan Risiko Stratejik. Reputation Risk and Strategic Risk.
Komite Manajemen Risiko di tingkat Direksi dan The Risk Management Committee at the level of the
Komite Pemantau Risiko di tingkat Dewan Komisaris Board of Directors and the Risk Monitoring Committee
secara berkala melakukan evaluasi terhadap at the level of the Board of Commissioners both
kinerja sistem manajemen risiko Perseroan. Unit frequently evaluate the performance of the Company’s
Manajemen Risiko dan unit-unit terkait lainnya juga risk management system. The Risk Management
menindaklanjuti hasil evaluasi tersebut. Unit and other pertinent Units also follow up on the
evaluation’s findings.
Dewan Komisaris menjalankan tugas dan tanggung The Board of Commissioners performs the following
jawab sebagai berikut: duties and responsibilities:
• Melakukan evaluasi atas tanggung jawab Direksi • Evaluating the responsibilities of the Board of
dalam pelaksanaan kebijakan Manajemen Risiko. Directors in implementing Risk Management
• Melakukan evaluasi dan memutuskan policies.
permohonan Direksi yang berkaitan dengan • Evaluating and deciding requests from the Board
transaksi yang memerlukan persetujuan Dewan of Directors relating to transactions that require
Komisaris. the approval from the Board of Commissioners.
Direksi menjalankan penerapan Manajemen Risiko The Board of Directors carries out the Risk
sebagai berikut: Management activities as follows:
• Memastikan kecukupan implementasi SIM, • Ensure adequate SIM implementation, policies,
kebijakan, prosedur, dan penetapan limit telah procedures, and determination of limits have been
dilakukan dengan baik sesuai dengan skala dan carried out properly according with the scale and
kompleksitas usaha Perseroan. complexity of the Company’s business.
• Penyediaan dan penambahan Sumber Daya • Provision and addition of adequate Human
Manusia secara memadai untuk menyelesaikan Resources to complete risk.
tugas pengelolaan risiko.
• Meningkatkan kualitas serta keterampilan • Improve the quality and skills of Human Resources
Sumber Daya Manusia dalam pengelolaan risiko in risk management in a sustainable manner.
senantiasa dilakukan secara berkelanjutan.
Komite Manajemen Risiko Perseroan mempunyai The Company’s Risk Management Committee has
tugas dan tanggung jawab meliputi: the following duties and responsibilities:
• Menyampaikan rekomendasi atas penyusunan • Delivered recommendations on the preparation
strategi Manajemen Risiko, misalnya Risk Appetite of a Risk Management strategy, such as Risk
dan Risk Tolerance, dan Limit. Appetite and Risk Tolerance, and Limit.
• Melakukan kaji ulang dan analisa atas laporan • Review and analyse the Company’s risk profile
profil risiko Perseroan. report.
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PENERAPAN MANAJEMEN RISIKO DAN SISTEM PENGENDALIAN INTERN
Implementation of Risk Management and Internal Control Systems
• Memberikan rekomendasi kerangka kebijakan • Give recommendations for risk management
manajemen risiko kepada Direksi. policy frameworks to the Board of Directors.
• Melakukan kaji ulang dan analisa atas kecukupan • Review and analyse capital adequacy and risk-
modal dan alokasi modal berdasarkan risiko. based capital allocation.
• Memantau mitigasi risiko kredit, risiko pasar dan • Monitored the mitigation of credit risk, market risk
risiko likuiditas. and liquidity risk.
• Melakukan kaji ulang atas hal-hal penting lainnya • Reviewing other important matters that need to be
yang perlu dibahas pada Komite Manajemen discussed at the Risk Management Committee.
Risiko.
Penerapan Manajemen Risiko dan Sistem The Implementation of Risk Management and the
Pengendalian Internal Perseroan dilaksanakan Company’s Internal Control System is carried out
melalui aktivitas sebagai berikut: through the following activities:
• Penetapan Risk Appetite, Risk Tolerance, dan • Determination of Risk Appetite, Risk Tolerance and
Limit (untuk Risiko Kredit, Risiko Pasar dan Risiko Limit (for Credit Risk, Market Risk and Operational
Operasional). Risk).
• Penetapan kebijakan, prosedur dan penetapan • Establishment of policies, procedures, and
limit risiko, termasuk kebijakan dan penetapan determination of risk limits, including policies and
limit untuk transaksi Devisa. limits for Foreign Exchange transactions.
• Melakukan stress test. • Perform stress tests.
• Melakukan kaji ulang dan analisa profil risiko • Review and analyse the Company’s risk profile on a
Perseroan secara berkala. regular basis.
• Melaksanakan kaji ulang dan analisa atas • Carry out reviews and analyses of capital adequacy
kecukupan modal dan alokasi modal berdasarkan and risk-based capital allocation.
risiko.
• Melakukan kaji ulang dan evaluasi atas portofolio • Review and evaluate credit portfolio (credit risk
kredit (mitigasi risiko kredit). mitigation).
• Kaji ulang (review) dan analisa atas produk dan • Review and analysis of new products or activities.
aktivitas baru.
• Untuk mengidentifikasi, mengukur, memantau dan • To identify, measure, monitor and control risks
mengendalikan risiko telah dilaksanakan melalui have been carried out through methods that
metode yang disesuaikan dengan kompleksitas are adjusted to the complexity of the Company’s
transaksi Perseroan termasuk sistem informasi transactions, including an adequate risk
manajemen risiko yang memadai. management information system.
• Menerapkan sistem pengendalian intern secara • Implementing an internal control system inherently
melekat pada setiap unit kerja serta tingkat at each work unit and at the organizational levels.
organisasi.
• Melaksanakan rapat koordinasi secara berkala • Conduct regular coordination meetings among 3
diantara 3 satuan kerja (SKAI, SKMR dan SKK). work units (SKAI, SKMR, and SKK).
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TATA KELOLA PERUSAHAAN
Corporate Governance
FUNGSI AUDIT EKSTERNAL
External Audit Function
Pada saat pemeriksaan oleh Auditor Eksternal telah During the examination by the External Auditor, good
dilakukan komunikasi dan kerja sama yang baik communication and cooperation were established
antara Auditor Eksternal dan pihak Manajemen yang between the External Auditor and the Management,
dilakukan secara intensif. Direksi mendukung adanya conducted intensively. The Board of Directors
temuan-temuan yang terkait dengan kebijakan supports the findings related to accounting policies,
akuntansi, interpretasi standar akuntansi yang interpretations of applicable accounting standards,
berlaku, perkembangan peraturan OJK/BI dan lain- developments in OJK/BI regulations, and others.
lain. Direksi juga memantau secara aktif tindak lanjut The Board also actively monitors the follow-up to the
temuan pemeriksaan Auditor Eksternal tersebut findings of the External Auditor’s examination, hoping
sehingga diharapkan temuan serupa tidak terulang that similar findings will not be repeated in the future.
dimasa mendatang.
Penerapan Fungsi Audit Eksternal telah berjalan External Audit Function has been implemented
dengan baik, yang dapat dilihat dari hal-hal sebagai properly, which can be seen from the following:
berikut:
• Perseroan selalu menunjuk Akuntan Publik dan • The Company always appoints a Public Accountant
KAP yang terdaftar dan aktif di OJK. and Public Accounting Firm (KAP) registered with
the OJK.
• Penunjukan Akuntan Publik yang sama oleh • The appointment of the same Public Accountant
Perseroan tidak lebih dari 7 (tujuh) tahun kumulatif. by the Company is not more than 7 (seven)
cumulative years.
• Penggunaan kembali jasa audit atas informasi • Re-employment of audit services on annual
keuangan historis tahunan dari AP yang sama, historical financial information from the same AP,
setelah melewati masa jeda. after passing the gap period.
• Selama beberapa tahun terakhir, KAP yang • During the last several years, the KAPs appointed
ditunjuk untuk mengaudit Perseroan adalah: to audit the Company are:
- Junarto, Tjahjadi BAP (Tahun 2004, 2005 dan - Junarto, Tjahjadi BAP (2004, 2005 and 2006).
2006).
- Kantor Tony Frans & Darmawan (Tahun 2007). - Tony Frans & Darmawan’s Office (2007).
- Tjahjadi, Pradhono & Teramiharja (Tahun 2008 - Tjahjadi, Pradhono & Teramiharja (2008 and
dan 2009). 2009).
- Aryanto, Amir Jusuf, Mawar & Saptoto (AAJ - Aryanto, Amir Jusuf, Mawar & Saptoto (AAJ
Associates) (Tahun 2010, 2011, 2012, 2013 dan Associates) (2010, 2011, 2012, 2013 and 2014).
2014).
- Amir Abadi Jusuf, Aryanto, Mawar & Rekan - Amir Abadi Jusuf, Aryanto, Mawar & Rekan
(Tahun 2015, Tahun 2016). (2015, 2016).
- Amir Abadi Jusuf, Aryanto, Mawar & Rekan, - Amir Abadi Jusuf, Aryanto, Mawar & Rekan,
member of RSM International (Tahun 2017) member of RSM International (2017)
- Amir Abadi Jusuf, Aryanto, Mawar & Rekan, - Amir Abadi Jusuf, Aryanto, Mawar & Rekan,
member firm of RSM Indonesia (Tahun 2018, member of RSM International (2018, 2019,
2019, 2020, 2021) 2020, 2021)
• Penunjukan Akuntan Publik dan KAP telah • The appointment of a Public Accountant and
memperoleh persetujuan RUPS berdasarkan Public Accounting Firm has been approved by
usulan yang diajukan oleh Dewan Komisaris the GMS based on the proposal submitted by the
sesuai rekomendasi dari Komite Audit. Board of Commissioners upon recommendation
of the Audit Committee.
• Penugasan pemeriksaan kepada Akuntan Publik • The audit assignment to the Public Accountant
telah memenuhi aspek-aspek: has met the following aspects:
- Kapasitas Kantor Akuntan Publik yang ditunjuk; - The capacity of the appointed Public
Accounting Firm;
242 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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FUNGSI AUDIT EKSTERNAL
External Audit Function
- Legalitas perjanjian kerja; - The legality of the employment agreement;
- Ruang lingkup audit; - The scope of the audit;
- Standar profesional akuntan publik; dan - Professional standards of public accountants;
and
- Komunikasi antara OJK dengan Kantor - Communication between OJK and the
Akuntan Publik yang ditunjuk. appointed Public Accounting Firm.
Akuntan Publik yang ditunjuk telah: The appointed Public Accountant has:
• Menyampaikan hasil audit dan management letter • Delivering audit results and management letters to
kepada Perseroan tepat waktu. the Company on time.
• Mampu bekerja secara independen, memenuhi • Able to work independently, meet the professional
standar profesional akuntan publik dan perjanjian standards of public accountants and employment
kerja serta ruang lingkup audit yang ditetapkan. agreements as well as the established audit scope.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 243
Page 246
TATA KELOLA PERUSAHAAN
Corporate Governance
PERKARA HUKUM
Litigation
Berikut permasalahan hukum perdata dan pidana The following are civil and criminal cases received and
yang diterima dan diputus selama tahun 2023 serta decided during 2023 and cases that are still being
perkara yang masih ditangani pada tahun 2023: handled in 2023:
Permasalahan Hukum Jumlah Kasus | Number of Cases
Legal Issues Perdata | Civil Pidana | Criminal
Telah mendapatkan putusan yang mempunyai kekuatan hukum tetap
3 –
Has obtained a decision that has permanent legal decision
Dalam Proses Penyelesaian
7 –
Under Settlement Process
Total 10 –
Data Penanganan Perkara Tahun 2023
2023 Case Handling Data
Institusi
Bulan Perkara Nomor Perkara Eksternal Uraian Singkat Posisi Terakhir
No.
Month Case Case Number External Brief Description Status
Institution
1 September Kepailitan 05/Pdt.Sus. Pengadilan Pemohon PKPU: Kurator melanjutkan
2016 Pailit/2016/ Niaga pada PT Bank Ekonomi Raharja pelaksanaan lelang
Bankruptcy PN.Niga.Mks Pengadilan eksekusi atas harta pailit/
Negeri Jakarta Termohon: boedel pailit di KPKNL
Pusat 1. PT Bangun Wenang Beverages Manado.
Coy (Dalam Pailit)
Commercial 2. Tontje Thenoch (Dalam Pailit) The curator proceeds with
Court at the 3. Henry Thenoch (Dalam Pailit) the execution auction of the
District Court bankruptcy estate/assets
of Central PKPU atas nama PT. Bangun at KPKNL Manado.
Jakarta Wenang Beverages Coy, Tontje
Thenoch dan Henry Thenoch yang
diajukan oleh pemohon PKPU yaitu
PT Bank Ekonomi Raharja. Proposal
perdamaian dari Termohon PKPU
ditolak oleh para kreditur sehingga
para Termohon PKPU demi hukum
berada dalam keadaan pailit. Posisi
Perseroan sebagai Kreditur Lain.
PKPU Claimant:
PT Bank Ekonomi Raharja
Defendant:
1. PT Bangun Wenang Beverages
Coy (In Bankruptcy)
2. Tontje Thenoch (In Bankruptcy)
3. Henry Thenoch (In Bankruptcy)
PKPU for PT. Bangun Wenang
Beverages Coy, Tontje Thenoch,
and Henry Thenoch was filed by the
PKPU petitioner, PT Bank Ekonomi
Raharja. The peace proposal
from the PKPU Respondents was
rejected by the creditors, thus legally
placing the PKPU Respondents in a
state of bankruptcy. The company’s
position is that of Another Creditor.
244 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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PERKARA HUKUM
Litigation
Institusi
Bulan Perkara Nomor Perkara Eksternal Uraian Singkat Posisi Terakhir
No.
Month Case Case Number External Brief Description Status
Institution
2 Juli 2018 Kepailitan 52/Pdt.Sus- Pengadilan Pemohon PKPU: PT SNP (dalam pailit)
PKPU/2018/PN Niaga pada 1. Herlina Rahardjo telah ditetapkan dalam
July 2018 Bankruptcy Niaga.Jkt. Pst. jo Pengadilan 2. Fredi Iman Santoso keadaan Insolvensi (tidak
10/Pdt. Negeri Jakarta mampu membayar utang-
Sus-Pailit/2018/ Pusat Termohon: PT. SNP (Dalam Pailit) utangnya)
PN Niaga.Jkt. Pst PKPU atas nama PT. Sunprima Kurator PT SNP
Commercial Nusantara Pembiayaan yang
(dalam Pailit) telah
Court at the diajukan oleh eks karyawan SNP menyelenggarakan rapat
District Court dan konsultan SNP. Proposal kreditur pada tanggal 18
of Central perdamaian dari SNP ditolak oleh Oktober 2022 secara virtual
Jakarta para kreditur sehingga SNP demi (zoom) tentang update
hukum berada dalam keadaan boedel pailit.
pailit sejak 26 Oktober 2018. Posisi
Bank sebagai Kreditur Lain. PT SNP (in bankruptcy) has
been declared insolvent
PKPU Claimant: (unable to pay its debts).
1. Herlina Rahardjo The curator of PT SNP (in
2. Fredi Iman Santoso Bankruptcy) organized
a creditors’ meeting on
Defendant: PT. SNP (In Bankruptcy) October 18, 2022, virtually
PKPU on behalf of PT. Sunprima (via Zoom) to update on the
Nusantara Pembiayaan was filed bankruptcy estate.
by former employees of SNP and
consultants of SNP. The peace
proposal from SNP was rejected by
the creditors, thereby legally placing
SNP in a state of bankruptcy
since October 26, 2018. The bank’s
position is that of Another Creditor.
3 Juli 2019 Perdata 305/Pdt.G/2019/ Pengadilan Penggugat: Deiby Sondah PN Manado telah
PNMando Negeri Manado mengeluarkan Putusan
Tergugat: yang mengalahkan pihak
1. PT Bank Nationalnobu Tbk Bank.
2. PT Asri Griya Utama Perseroan telah
3. PT Asiatic Sejahtera Finance menempuh upaya banding
atas putusan PN Manado
Merupakan gugatan ulang dari tersebut
Gugatan dengan Perkara No. 412/ Perkara pada tingkat
PDT.G/2018/PN.MND yang telah Banding telah diputus
diputus pada tingkat PN dengan dengan amar putusan yang
putusan yang memenangkan pihak memenangkan pihak Bank
Bank dengan gugatan tidak dapat Atas Putusan Banding
diterima, atas putusan tersebut tersebut Penggugat telah
penggugat tidak melakukan upaya mengajukan upaya hukum
hukum lagi namun penggugat Kasasi
mengajukan gugatan baru di Perseroan telah
Pengadilan Negeri Manado dengan mengajukan kontra
nomor perkara 305/Pdt.G/2019/ memori kasasi untuk
PNMando. mempertahankan hak
hukum bank.
Inti gugatan adalah Penggugat
mempermasalahan adanya
pendebetan rekening Penggugat di
bank untuk keperluan pembayaran
angsuran fasilitas kredit pada
Perusahaan Pembiayaan.
Bank melakukan pendebetan atas
dasar Surat kuasa dari Debitur
sendiri.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 245
Page 248
TATA KELOLA PERUSAHAAN
Corporate Governance
PERKARA HUKUM
Litigation
Institusi
Bulan Perkara Nomor Perkara Eksternal Uraian Singkat Posisi Terakhir
No.
Month Case Case Number External Brief Description Status
Institution
July 2019 Civil Manado Plaintiff: Deiby Sondah The Manado District Court
District Court issued a decision that was
Defendant: unfavorable to the Bank.
1. PT Bank Nationalnobu Tbk The Company pursued
2. PT Asri Griya Utama an appeal against the
3. PT Asiatic Sejahtera Finance decision of the Manado
District Court. The case
This is a re-litigation of Case No. at the appellate level was
412/PDT.G/2018/PN.MND, which decided with a verdict in
was decided at the district court favor of the Bank. Following
level with a verdict favoring the bank, the appellate decision,
stating the lawsuit was inadmissible. the plaintiff has filed for
Following this decision, the plaintiff cassation. The company
did not pursue any legal remedies has submitted a counter-
but instead filed a new lawsuit at memorandum of cassation
the Manado District Court with to defend the bank’s legal
case number 305/Pdt.G/2019/ rights.
PNMando.
The core of the lawsuit is the
plaintiff’s issue with the debiting
of the plaintiff’s bank account for
the purpose of paying installments
for a credit facility at a Financing
Company. The bank conducted
the debiting based on a power
of attorney from the debtor
themselves.
4 Februari Perdata 224/Pdt.G/2019/ Pengadilan Penggugat: Perkara pada tingkat
2020 PN.JKT SEL Tinggi DKI Dicky Deradjat Muis pengadilan negeri telah
Civil Jakarta diputus dengan Putusan
February Tergugat: yang memenangkan Bank.
2020 DKI Jakarta 1. PT Bank Nationalnobu Tbk Putusan atas upaya hukum
High Court 2. Rangga Adhiyasa banding adalah tetap
memenangkan Bank. Saat
Bahwa sebelumnya Perseroan ini Penggugat mengajukan
telah memenangkan Perkara upaya hukum Kasasi di
Perdata 224/Pdt.G/2019/PN.JKT Mahkamah Agung.
SEL atas putusan pengadilan
perkara tersebut, Dicky Deradjat The case at the district
Muis mengajukan upaya hukum court level was decided with
Banding pada Pengadilan Tinggi a judgment in favor of the
DKI Jakarta. Bank. The decision on the
appeal also resulted in a
Plaintiff: win for the Bank. Currently,
Dicky Deradjat Muis the Plaintiff has filed a
cassation appeal at the
Defendant: Supreme Court.
1. PT Bank Nationalnobu Tbk
2. Rangga Adhiyasa
Previously, the Company won the
Civil Case 224/Pdt.G/2019/PN.JKT
SEL based on the court’s decision
regarding that case, Dicky Deradjat
Muis filed an appeal at the Jakarta
High Court.
246 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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PERKARA HUKUM
Litigation
Institusi
Bulan Perkara Nomor Perkara Eksternal Uraian Singkat Posisi Terakhir
No.
Month Case Case Number External Brief Description Status
Institution
5 Juni 2023 Perdata 394/Pdt.G/2023/ Pengadilan Penggugat: Telah diputus di tingkat PN
PN Mnd Negeri Manado Winny Immanuel Somba dengan kemenangan Bank.
June 2023 Civil
Manado Tergugat: It has been decided at the
District Court PT Bank Nationalnobu Tbk District Court level with a
verdict in favour to the Bank.
Turut Tergugat:
Kepala ATR/BPN Manado
Merupakan gugatan kembali
atas perkara No. 724/Pdt.G/2021/
PN.Mnd . Gugatan dari debitur
a.n Winny Immanuel Somba
(Penggugat) dengan dalil gugatan
yang menyatakan bahwa Perseroan
harus melakukan penyelamatan
atas kreditnya sesuai dengan
ketentuan yang berlaku dan
tindakan Bank yang akan segera
melakukan lelang barang jaminan
milik debitur adalah perbuatan
melawan hukum.
Plaintiff:
Winny Immanuel Somba
Defendant:
PT Bank Nationalnobu Tbk
Co-Defendant:
Head of ATR/BPN Manado
This is a subsequent lawsuit
regarding case No. 724/Pdt.G/2021/
PN.Mnd. The lawsuit from the debtor
named Winny Immanuel Somba
(Plaintiff) argues that the Company
must carry out the salvage of its
credit in accordance with applicable
regulations, and the Bank’s
imminent action to auction the
debtor’s collateral is an unlawful act.
6 Agustus Perdata 164/Pdt.G/2022/ Pengadilan Penggugat: Perkara telah selesai dan
2022 PN.Ckr Negeri 1. Doli Aritonang, SE dimenangkan oleh Bank
Cikarang 2. Istra Yuliany dan telah berkekuatan
hukum tetap.
Tergugat:
PT Mahkota Sentosa Utama
Turut Tergugat:
PT Bank Nationalnobu Tbk
Gugatan yang diajukan oleh debitur
a.n Doli Aritonang di Pengadilan
Negeri Cikarang dengan nomor
perkara 164/Pdt.G/2022/PN.Ckr,
yang pada pokok gugatan
menyatakan MSU telah melakukan
Perbuatan Melawan Hukum karena
tidak kunjung melakukan serah
terima kunci pada 30 September
2020 atas kedua unit apartemen
milik Penggugat. Adapun posisi
Perseroan yaitu Turut Tergugat.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 247
Page 250
TATA KELOLA PERUSAHAAN
Corporate Governance
PERKARA HUKUM
Litigation
Institusi
Bulan Perkara Nomor Perkara Eksternal Uraian Singkat Posisi Terakhir
No.
Month Case Case Number External Brief Description Status
Institution
August 2022 Civil Cikarang Plaintiff: The case has been
District Court 1. Doli Aritonang, SE concluded and won by the
2. Istra Yuliany Bank, and it has acquired
legal finality.
Defendant:
PT. Mahkota Sentosa Utama
Co-Defendant:
PT Bank Nationalnobu Tbk
The lawsuit filed by the debtor
named Doli Aritonang in the
Cikarang District Court with case
number 164/Pdt.G/2022/PN.Ckr,
fundamentally states that MSU
has committed an Unlawful Act
by failing to hand over the keys on
September 30, 2020, for the two
apartment units owned by the
Plaintiff. The Company’s position in
this case is that of a Co-Defendant.
7 Agustus Perdata 166/Pdt.G/2022/ Pengadilan Penggugat: Perkara telah selesai dan
2022 PN.Ckr Negeri Nahason Sinaga dimenangkan oleh Bank
Civil Cikarang dan telah berkekuatan
August 2022 Tergugat: hukum tetap.
Cikarang 1. PT Mahkota Sentosa Utama
District Court 2. PT Bank Nationalnobu Tbk The case has been
concluded and won by the
Gugatan yang diajukan oleh debitur Bank, and it has acquired
a.n Nahason Sinaga di Pengadilan legal finality.
Negeri Cikarang dengan nomor
perkara 166/Pdt.G/2022/PN.Ckr,
yang pada pokok gugatan
menyatakan Perseroan secara
bersama-sama dengan MSU
telah melakukan Perbuatan
Melawan Hukum karena telah tidak
menuliskan tanggal jatuh tempo
serah terima unit apartemen milik
Penggugat, sehingga bertentangan
dengan ketentuan yang berlaku.
Plaintiff:
Nahason Sinaga
Defendant:
1. PT. Mahkota Sentosa Utama
2. PT Bank Nationalnobu Tbk
The lawsuit filed by the debtor
named Nahason Sinaga in the
Cikarang District Court under case
number 166/Pdt.G/2022/PN.Ckr,
fundamentally claims that the
Company, jointly with MSU, has
committed an Unlawful Act for
failing to specify the handover date
of the Plaintiff’s apartment unit,
thereby contravening applicable
regulations.
248 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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PERKARA HUKUM
Litigation
Institusi
Bulan Perkara Nomor Perkara Eksternal Uraian Singkat Posisi Terakhir
No.
Month Case Case Number External Brief Description Status
Institution
8 September Perdata 45067/VIII/ARB- Badan Pemohon: Perkara telah selesai, kerja
2022 BANI/2022 Arbitrase PT Sun Life Indonesia sama telah dihentikan oleh
Civil Nasional Putusan Majelis Hakim
Indonesia Termohon: Arbitrase dan putusan telah
PT Bank Nationalnobu Tbk dilaksanakan.
Indonesian
National Permohonan yang diajukan oleh The case has been
Arbitrage PT Sun Life Indonesia di BANI concluded, and the
Agency dengan nomor register 45067/ cooperation has been
VIII/ARB-BANI/2022 yang pada terminated by the Arbitral
pokoknya Sun Life Indonesia Tribunal’s decision, which
menolak pengakhiran sepihak yang has been executed.
dilakukan oleh Perseroan terhadap
Perjanjian Distribusi karena tidak
memiliki alasan dan dasar sah.
Sebaliknya, Sun Life menyatakan
Perseroan yang melakukan
wanprestasi dikarenakan tidak
memenuhi target penjualan sejak
2020-2022. Oleh karenanya, Sun
Life Indonesia menuntut supaya
pengakhiran Perjanjian Distribusi
yang berdasarkan Surat Sunlife
tanggal 16 Juni 2022 adalah sah
dan menghukum Perseroan
untuk mengembalikan upfront
payment berdasarkan pasal
10.1 Perjanjian Distribusi yaitu
senilai Rp48.128.675.721,-
Claimant:
PT Sun Life Indonesia
Defendant:
PT Bank Nationalnobu Tbk
The application submitted by PT
Sun Life Indonesia to BANI with
the registration number 45067/
VIII/ARB-BANI/2022 fundamentally
involves Sun Life Indonesia
rejecting the unilateral termination
carried out by the Company of the
Distribution Agreement for lacking
legal reasons and basis. Conversely,
Sun Life declares that the Company
is in breach of contract due to failing
to meet the sales target from 2020 to
2022. Therefore, Sun Life Indonesia
demands that the termination of
the Distribution Agreement, based
on the Sun Life letter dated June
16, 2022, be declared valid and that
the Company be ordered to return
the upfront payment in accordance
with Article 10.1 of the Distribution
Agreement, amounting to IDR
48,128,675,721.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 249
Page 252
TATA KELOLA PERUSAHAAN
Corporate Governance
PERKARA HUKUM
Litigation
Institusi
Bulan Perkara Nomor Perkara Eksternal Uraian Singkat Posisi Terakhir
No.
Month Case Case Number External Brief Description Status
Institution
9 November Perdata 11 PK/PDT/ 2022 Mahkamah Pemohon: Agenda penyerahan
2022 Agung RI Alfred Oemar dan Dona Sartika Kontra Memori Peninjauan
Civil Kembali telah selesai
Mahkamah Termohon: dilaksanakan.
Agung RI PT Bank Nationalnobu Tbk
The agenda for the
Permohonan Peninjauan Kembali submission of the Counter-
diajukan oleh Alfred Oemar dan Memorandum of Review
Dona Sartika di Mahkamah has been successfully
Agung melalui Pengadilan Negeri completed.
Padang dengan nomor register
11 PK/PDT/2022 yang pada
pokoknya Alfred Oemar dkk
menggunakan hak mereka untuk
membantah Putusan Kasasi.
Bahwa berdasarkan pertimbangan
hakim dan putusan baik di tingkat
Pengadilan Negeri, Pengadilan
Tinggi dan Mahkamah Agung telah
membuktikan bahwa Bank dalam
melakukan proses lelang telah
sesuai dengan aturan hukum yang
berlaku.
Claimant:
Alfred Oemar and Dona Sartika
Defendant:
PT Bank Nationalnobu Tbk
The request for reconsideration
was filed by Alfred Oemar and
Dona Sartika at the Supreme
Court through the Padang District
Court with register number 11
PK/PDT/2022, which in essence
Alfred Oemar et al exercised their
right to dispute the Cassation
Decision. Whereas based on judges’
considerations and decisions at
the District Court, High Court and
Supreme Court levels, it has been
proven that the Bank in carrying out
the auction process complies with
the applicable legal regulations.
10 Mei 2023 Pidana Surat Tanda Bukti Polda Jambi Bank Nobu dalam membuat Saat ini dalam tahap
Penerimaan Laporan Polisi Tindak Pidana penyidikan
Pengaduan Perbankan dan/atau pemalsuan
Nomor: dan/atau penipuan dan/atau
LAPDUAN/103/V/ penggelapan dan/atau tindak
RES.10.1/2023/ pidana lainnya, sebagaimana
Ditreskrimsus dimaksud dalam Pasal 49 Undang-
tanggal 22 Mei Undang No. 7 tahun 1992 yang telah
2023 diubah oleh Undang-Undang No. 10
tahun 1998 tentang Perbankan dan/
atau Pasal 378 KUHP dan/atau
Pasal 372 KUHP dan/atau Pasal
374 KUHP dan/atau ketentuan
pidana lainnya di Kepolisian RI,
yang diduga dilakukan oleh EA dan
JW dan pihak lainnya terkait dengan
pemberian Kredit Usaha Rakyat
(KUR) oleh PT Bank Nationalnobu
Tbk kantor cabang Jambi kepada
debitur-debitur.
250 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 253
PERKARA HUKUM
Litigation
Institusi
Bulan Perkara Nomor Perkara Eksternal Uraian Singkat Posisi Terakhir
No.
Month Case Case Number External Brief Description Status
Institution
May 2023 Criminal Complaint Bank Nobu, in filing a Police Currently, it is in the
Receipt Report for banking criminal acts investigation stage
Acknowledgment and/or forgery and/or fraud and/
Letter Number: or embezzlement and/or other
LAPDUAN/103/V/ criminal acts, as referred to in Article
RES.10.1/2023/ 49 of Law No. 7 of 1992 as amended
Ditreskrimsus by Law No. 10 of 1998 concerning
dated May 22, Banking and/or Article 378 of the
2023 Criminal Code and/or Article 372
of the Criminal Code and/or Article
374 of the Criminal Code and/or
other criminal provisions at the
Indonesian National Police, which
is suspected to be committed by
EA and JW and other related parties
in connection with the provision of
People’s Business Credit (KUR) by
PT Bank Nationalnobu Tbk, Jambi
branch office, to its debtors.
11 Agustus Perdata 175/Pdt.G/2023/ Pengadilan Gugatan Perbuatan Melawan Dalam tahap persidangan
2023 Civil PN Ckr Negeri Hukum dari Antonius Deddi
Cikarang Prasetya, Penggugat tidak terima The case is currently in the
August 2023 atas dilakukannya penjualan trial phase.
Cikarang kembali terhadap asset jaminan
District Court yang selama ini merupakan
rumah tinggal Penggugat dengan
keluarganya, dimana menurut
Penggugat tindakan yang dilakukan
oleh Bank Nobu dan Developer
adalah perbuatan melawan hukum
sebagaimana diatur dalam Pasal
1365 KUH Perdata. Selanjutnya,
Penggugat menuntut ganti rugi
material dan immaterial kepada
Para Tergugat.
A lawsuit for Tortious Acts filed
by Antonius Deddi Prasetya, the
Plaintiff, arises from dissatisfaction
over the resale of an asset that had
been used as collateral, which has
been the Plaintiff’s residential home
with his family. According to the
Plaintiff, the actions taken by Bank
Nobu and the Developer constitute
an unlawful act as governed by
Article 1365 of the Civil Code.
Furthermore, the Plaintiff demands
material and immaterial damages
from the Defendants.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 251
Page 254
TATA KELOLA PERUSAHAAN
Corporate Governance
SANKSI ADMINISTRATIF
Administrative Sanction
Sepanjang Semester II tahun 2023 terdapat 3 (tiga) During the second semester of 2023 there were 3
sanksi denda. Perinciannya sebagai berikut: (three) fines. The details are as follows:
Semester I Tahun 2023 Semester II Tahun 2023
First Half Year 2023 Second Half Year 2023
Nominal Jenis Denda Nominal Jenis Denda
Amount Type of Sanction Amount Type of Sanction
Rp300.000 Sanksi Denda atas keterlambatan Koreksi Rp2.700.000 Sanksi Kewajiban membayar atas Koreksi
Laporan Debitur pada SLIK periode Bulan diluar Batas Waktu Penyampaian Laporan
Juli 2022 s.d September 2022. Bulanan Bank Umum Terintegrasi (LBUT).
Penalty fines for the delay in correcting Obligatory payment sanction for corrections
Debtor Reports in the SLIK for the period of made beyond the deadline for the submission
July 2022 to September 2022. of the Monthly Report of Integrated Commercial
Banks (LBUT).
Rp2.000.000 Sanksi Kewajiban Membayar atas Laporan
Bulanan Bank Umum Terintegrasi (LBUT) KI
Laporan Risiko dan Permodalan Harian PT
Bank Nationalnobu Tbk.
Obligatory payment sanction for the Monthly
Report of Integrated Commercial Banks
(LBUT) on the Daily Risk and Capital Report of
PT Bank Nationalnobu Tbk.
Jumlah Penyimpangan Internal (Fraud) Number of Internal Frauds
Pada setiap aktivitas bisnis selalu terdapat potensi In every business activity, there is always the potential
tindakan kecurangan atau penyimpangan (fraud). for fraudulent actions or fraud. Such actions can result
Tindakan dimaksud akan menyebabkan terjadinya in losses and, on the other hand, affect the Company’s
kerugian dan pada sisi yang lain serta berdampak reputation, especially considering that the Company
pada reputasi Perseroan, lebih-lebih apabila dikaitkan is a public entity.
bahwa Perseroan merupakan perusahaan publik.
Berkaitan dengan hal ini maka Bank senantiasa Regarding such issue, the Bank continues to carry out
melaksanakan sosialisasi/training mengenai: socialization/training on:
• Kesadaran akan Risiko Operasional • Operational Risk Awareness
• Penerapan Strategi Anti-Fraud • Implementation of Anti-Fraud Strategy
• Penerapan Strategi Manajemen Anti Penyuapan • Implementation of Anti-Bribery Management
(SMAP) Strategy (SMAP)
• Kebijakan Pelaporan Pelanggaran (Whistleblower) • Whistleblower Policy
• Tindakan Pelanggaran Dalam Pelaksanaan Kerja • Acts of Violation in in Execution of Work
Pada bagian lain, Perseroan juga telah membuat On the other hand, the Company has also established
mekanisme penanganan Whistleblower. Dengan a mechanism for handling Whistleblowers. Such
adanya pedoman dan mekanisme ini diharapkan guidelines and mechanisms are expected to be an
mampu menjadi alat mitigasi awal untuk mencegah initial mitigation tool to prevent fraud.
terjadinya fraud.
Selama tahun 2023, terdapat penyimpangan internal During 2023, there were internal deviations carried out
yang dilakukan baik oleh pegawai tetap, terkait dengan by permanent employees, related to work processes
252 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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SANKSI ADMINISTRATIF
Administrative Sanction
proses kerja dan kegiatan operasional dan perkreditan and operational and credit activities, significantly
yang mempengaruhi kondisi keuangan Perseroan affecting the Company’s financial condition (with
secara signifikan (dengan dampak penyimpangan the impact of the deviations and losses exceeding
serta kerugiannya lebih dari Rp 500.000.00). Rp500,000.00).
Jumlah Kasus yang dilakukan oleh
Number of cases committed by
Anggota Direksi dan Anggota
Pegawai Tidak Tetap dan
Dewan Komisaris
Pegawai Tetap Tenaga Kerja Alih Daya
Penyimpangan Members of the Board of
Permanent Employee Non-Permanent Employee
(Internal Fraud) dalam Directors and Members of the
and Outsourced Workers
1 tahun Board of Commissioners
Violation (Internal Fraud) Tahun Tahun
in 1 year Tahun Tahun Tahun Tahun
Berjalan Berjalan
Sebelumnya Berjalan Sebelumnya Sebelumnya
Current Current
Previous Year Current Year Previous Year Previous Year
Year Year
Total fraud
0 0 0 3 0 0
Total Fraud
Telah diselesaikan
0 0 0 2 0 0
Settled
Dalam proses
penyelesaian di internal
bank 0 0 0 0 0 0
Under Bank’s internal
settlement process
Belum diutamakan
penyelesaian
0 0 0 0 0 0
Settlement effort has not
been made
Telah ditindaklanjuti
melalui proses hukum
Has been followed-up by
0 0 0 1 0 0
legal proceedings
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 253
Page 256
TATA KELOLA PERUSAHAAN
Corporate Governance
KODE ETIK DAN TANGGUNG JAWAB
PROFESIONAL
Code of Ethics and Professional Responsibilities
Sebagai pelaksanaan terhadap ketentuan yang As an implementation of applicable regulations and
berlaku sekaligus sebagai tanggung jawab kepada as a responsibility to the community, customers,
masyarakat, nasabah dan pemegang saham untuk and shareholders to provide service quality with good
memberikan kualitas layanan dengan standar etik ethical standards and professionalism, the Company
dan profesionalisme yang baik, maka Perseroan has formulated a Code of Ethics and Professional
telah menyusun Kode Etik dan Tanggung Jawab Responsibility outlined in the Company’s Board of
Profesional yang tertuang dalam Surat Keputusan Directors’ Decree No. 0033/SK/DIR/III/2023 dated
Direksi Perseroan No. 0033/SK/DIR/III/2023 tanggal March 1, 2023 , regarding the Code of Ethics and
1 Maret 2023 perihal Kode Etik dan Tanggung Professional Responsibility. The decree covers the
Jawab Profesional. Hal-hal yang diatur dalam Surat following aspects:
Keputusan tersebut antara lain:
1. Ketentuan Umum 1. General Provisions
2. Hubungan kerja dan Reputasi Perusahaan 2. Working Relationship and the Company’s
reputation
3. Kepatuhan kepada Regulator 3. Compliance with Regulators
4. Perlindungan terhadap Aset Bank dan Nasabah 4. Protection of Bank and Customer Assets
5. Kerahasiaan Informasi 5. Confidentiality of Information
6. Benturan Kepentingan 6. Conflict of Interest
7. Pencegahan Suap, Korupsi, Penerimaan Hadiah 7. Prevention of Bribery, Corruption, Acceptance of
dan Pemberian Lainnya Presents and Other Gifts
8. Komunikasi dengan Publik 8. Communication with Public
254 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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SISTEM PELAPORAN PELANGGGARAN
Whistleblowing System
Whistleblowing adalah pengungkapan tindakan Whistleblowing is the disclosure of acts of violation
pelanggaran atau pengungkapan perbuatan or the revelation of unlawful deeds, unethical/
melawan hukum, perbuatan tidak etis/tidak bermoral immoral actions, or other acts that can harm the
atau perbuatan lain yang dapat merugikan Perseroan, Company, as well as parties with an interest in the
maupun pihak yang mempunyai kepentingan Company (Stakeholders), conducted by employees, or
terhadap Perseroan (Pemangku Kepentingan), yang organizational leaders; thus, decisive action needs to
dilakukan oleh karyawan, atau pimpinan organisasi; be taken against such violations. [GRI 3-3]
sehingga perlu diambil tindakan yang tegas atas
pelanggaran tersebut. [GRI 3-3]
Jenis Whistleblowing [205-2] Type of Whistleblowing [205-2]
Aktivitas pelanggaran dapat terdiri, namun tidak Whistleblowing activity may consist of, but is not
terbatas pada beberapa kategori: limited to several categories:
1. Fraud 1. Fraud
Berkaitan dengan tindakan yang dilakukan In connection with actions taken deliberately
secara sengaja yang bertujuan untuk mengambil aimed at obtaining personal advantage in a way
keuntungan pribadi dengan cara yang melanggar that violates both internal and external regulations,
peraturan internal maupun eksternal, sehingga resulting in loses for the Company both financially
mengakibatkan kerugian bagi Perseroan baik and non-financially.
secara finansial maupun non-finansial.
2. Kesalahan operasional yang signifikan 2. Significant operational errors
Berkaitan dengan tindakan yang dilakukan In connection with unintentional or non-deliberate
secara tidak sengaja atau tidak disadari sehingga action that causes financial or non-financial losses
mengakibatkan kerugian finansial ataupun non for the Company.
finansial bagi Perseroan.
3. Pelanggaran ketentuan 3. Violation of provisions
Meliputi semua bentuk pelanggaran terhadap Covers all forms of violations of internal provisions
ketentuan internal maupun ketentuan yang and regulations applicable to the banking business
berlaku bagi bidang usaha perbankan sector.
4. Terjadinya benturan kepentingan (conflict of 4. The occurrence of conflict of interest related to
interest) terkait dengan tindakan penyalahgunaan the misuse of the Company’s name, facilities, or
nama, fasilitas atau hubungan baik Perseroan good relations for personal interests in any form,
untuk kepentingan pribadi dalam bentuk apapun including the receipt of money, goods, and facilities
termasuk penerimaan uang, barang dan fasilitas from certain parties without the permission of the
dari pihak-pihak tertentu tanpa seizin dari Management.
Manajemen.
5. Tindakan melanggar etika moral 5. Action violating moral ethics
Terkait dengan tindakan yang tidak terpuji yang Related to improper actions that may harm the
dapat merugikan nama baik Perseroan, seperti Company reputation, such as conflict of interest,
konflik kepentingan, penggunaan data Perseroan, use of Company data, misuse of assets/inventory,
penyalahgunaan aset/inventaris dan lain-lain. and so on.
6. Tindakan melanggar hukum pidana maupun 6. Actions violating criminal law or civil law or other
hukum perdata ataupun peraturan perundang- statutory regulations, for example falsifying the
undangan lainnya, misalnya pemalsuan tanda signature of an authorized official, drug use,
tangan pejabat berwenang, penggunaan narkoba, harassment, vandalism, and so on.
pelecehan, perusakan barang dan lain-lain.
7. Tindakan yang membahayakan keselamatan 7. Actions endangering work safety and health,
dan kesehatan kerja, membahayakan keamanan endanger the security of the Company, including
Perseroan, termasuk membahayakan aset pihak endangering assets of third parties/ customer.
ketiga/nasabah.
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TATA KELOLA PERUSAHAAN
Corporate Governance
SISTEM PELAPORAN PELANGGGARAN
Whistleblowing System
Kategori Whistleblower/Pelapor Whistleblower/Informant Categories
Whistleblower (“Pelapor”), dapat dikategorikan The Whistleblowers can be categorized into:
menjadi:
1. Pihak internal, meliputi karyawan pimpinan, 1. Internal parties, including supervisors, employees,
karyawan baik karyawan tetap, kontrak maupun both permanent, contract or outsourcing
outsourcing. employees.
2. Pihak eksternal, meliputi mantan karyawan, 2. External parties, including former employees,
vendor, nasabah, konsultan, pihak eksternal lain. vendors, customers, consultants, and other
external parties.
Setiap Pelapor diharapkan dapat memberikan Every Whistleblower is expected to be able to provide
bukti berupa data, informasi atau indikasi awal evidence in the form of data, information, or early
atas terjadinya pelanggaran, sehingga kasus yang indications of the occurrence of violations, hence
dilaporkan dapat ditelusuri dan ditindaklanjuti oleh the reported cases can be traced and followed up
pihak yang berwenang. Laporan yang masih kurang by the authorized party. Additional information will
lengkap akan dimintakan informasi tambahan be requested from the Whistleblower for incomplete
kepada Pelapor melalui jalur yang aman. report through a secure channel.
Penyelesaian kasus Whistleblower Whistleblower case settlement
Laporan Whistleblower akan diteruskan oleh The Whistleblower report will be forwarded by the
Whistleblower Officer ke Internal Audit Bank, secara Whistleblower Officer to the Bank’s Internal Audit
rahasia tanpa menyebutkan identitas Pelapor sama confidentially without mentioning the Informant’s
sekali. [GRI 205-3] identity at all. [GRI 205-3]
256 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KEBIJAKAN ANTI PENYUAPAN
(ANTI KORUPSI)
Anti-Bribery (Anti-Corruption) Policy
Kebijakan Anti Penyuapan disusun sebagai bentuk The Anti-Bribery Policy is established as a form of the
komitmen Bank dalam mendukung peningkatan Bank’s commitment to support the enhancement of
integritas sebagai bagian dari nilai-nilai budaya Bank, integrity as part of the Bank’s cultural values, which
yang menjadi landasan dari strategi dan program- serve as the foundation for Anti-Bribery strategies
program Anti Penyuapan, baik berupa kebijakan, and programs. These include policies, guidelines,
pedoman, prosedur, petunjuk pelaksanaan, dan procedures, implementation instructions, and other
ketentuan internal Bank lainnya, sehubungan dengan internal Bank provisions related to efforts to prevent,
upaya mencegah, mendeteksi secara dini, serta detect early, and respond to bribery risks and incidents
respons terhadap risiko dan kejadian Penyuapan di within the Bank’s environment.
lingkungan Bank.
Ruang Lingkup Kebijakan Anti Penyuapan Bank The scope of the Bank’s Anti-Bribery Policy is as
adalah sebagai berikut: follows:
a. Melarang penyuapan; a. Prohibit bribery;
b. Mensyaratkan kepatuhan dengan peraturan b. Require compliance with anti-bribery laws and
perundang-undangan anti penyuapan yang regulations applicable to the organization;
berlaku pada organisasi;
c. Menyediakan kerangka kerja untuk menetapkan, c. Provide a framework for establishing, reviewing,
meninjau dan mencapai sasaran anti penyuapan; and achieving anti-bribery goals;
d. Termasuk komitmen untuk memenuhi persyaratan d. Including a commitment to meet the requirements
sistem manajemen anti penyuapan; of the anti-bribery management system;
e. Mendorong peningkatan kepedulian dengan itikad e. Encourage increased concern in good faith,
baik, atau atas dasar keyakinan yang wajar, tanpa or based on reasonable belief, without fear of
takut tindakan balasan; countermeasures;
f. Termasuk komitmen untuk peningkatan f. Including a commitment to continuous
berkelanjutan dari sistem manajemen anti improvement of the anti-bribery management
penyuapan; system;
g. Menjelaskan wewenang dan kemandirian dari g. Explaining the authority and independence of the
fungsi kepatuhan anti penyuapan; anti-bribery compliance function;
h. Menjelaskan konsekuensi jika tidak sesuai dengan h. Explain the consequences if it is not in accordance
kebijakan anti penyuapan. with anti-bribery policies.
Kebijakan dan prosedur Sistem Manajemen Anti The Policy and Procedure of Anti-Bribery Management
Penyuapan (SMAP) ini dibuat berdasarkan Surat System (SMAP) is developed based on the Decree
Keputusan Direksi No. 162/SK/DIR/111/2022 dan of the Board of Directors No. 162/SK/DIR/111/2022
diatur dalam lampiran Kebijakan dan Pedoman and is regulated in the attachment to the SMAP
lmplementasi SMAP yang menjadi satu kesatuan Implementation Policy and Guidelines which becomes
yang tidak terpisahkan dengan Surat Keputusan. an integral entity with the Decree.
Sebagai bentuk komitmen dalam penerapan Anti As a form of commitment in the implementation of
Penyuapan, Perseroan telah meraih Certificate of Anti Bribery, Nobu Bank has obtained Certificate of
Conformity Sertifikasi Nasional Indonesia (SNI) ISO Conformity of Indonesian National Certification (SNI)
37001: 2016 pada 6 Juli 2022. ISO 37001: 2016 on 6 July 2022.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 257
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TATA KELOLA PERUSAHAAN
Corporate Governance
TRANSPARANSI KONDISI KEUANGAN DAN
NON KEUANGAN PERSEROAN
Transparency of the Company’s Financial and Non-Financial Conditions
Perseroan telah menyusun dan menyajikan laporan The Company has prepared and presented reports
dengan tata cara, jenis, dan cakupan sebagaimana in the manner, type and scope as stipulated in
diatur dalam ketentuan mengenai Transparansi the provisions for Transparency of Bank Financial
Kondisi Keuangan Bank dengan rincian sebagai Conditions with the following details:
berikut:
Laporan Triwulanan Quarterly Reports
Laporan Keuangan Publikasi triwulanan telah dimuat Quarterly Published Financial Reports have been
pada situs web. published on the website
Laporan Tahunan Annual Reports
1. Laporan Keuangan 1. Financial Report
2. Laporan keuangan publikasi tahunan telah 2. Annual published financial reports have been
disampaikan secara tepat waktu kepada OJK. submitted in a timely manner to OJK.
3. Laporan Non Keuangan 3. Non-Financial Report
Laporan Pelaksanaan Tata Kelola telah The Corporate Governance Implementation
disampaikan kepada OJK. Report has been submitted to OJK.
Perseroan telah memiliki situs web yang memudahkan The Company has established a website that
masyarakat untuk mengakses informasi keuangan facilitates public access to both financial and non-
serta non keuangan Perseroan melalui www. financial information about the Company through
nobubank.com. Selain itu, Perusahaan juga telah www.nobubank.com. In addition, the Company has
menyampaikan laporan dan surat pemberitahuan also submitted reports and notifications to regulators
kepada regulator (BI/OJK) berkaitan dengan setiap (BI/OJK) regarding any corporate action plans or other
rencana tindakan korporasi maupun aktivitas lainnya activities that must be disclosed to the public.
yang harus diketahui publik.
258 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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BUY BACK SHARES DAN OBLIGASI
PERSEROAN
Buy Back of Company Shares and Bonds
Selama periode tahun 2023, tidak terdapat transaksi During 2023, there were no buy back of the Company
buy back shares atau buy back obligasi yaitu upaya shares or bonds, i.e., an effort to reduce the number
mengurangi jumlah saham atau obligasi yang telah of shares or bonds that have been issued by the
diterbitkan Perseroan dengan cara membeli kembali Company through buy back of shares and bonds.
saham atau obligasi tersebut.
RENCANA STRATEGIS PERUSAHAAN
Company Strategic Plan
Dalam menyusun rencana strategisnya, Perseroan In preparing its strategic plan, the Company was
senantiasa berpedoman pada visi dan misi Perseroan always guided by the Company’s vision and mission so
sehingga dari tahun ke tahun setiap rencana yang that from year to year every plan prepared was a series
disusun merupakan suatu rangkaian langkah yang of sustainable steps. The company then outlined it in
berkelanjutan. Perseroan kemudian menuangkannya the Corporate Plan (Corporate Plan) as a long-term
dalam Rencana Korporasi (Corporate Plan) sebagai strategic plan, and in the Bank Business Plan (RBB)
rencana strategis jangka panjang, dan dalam Rencana for short-term steps. Both plans were prepared taking
Bisnis Bank (RBB) untuk langkah-langkah dalam into account internal and external factors, as well as
jangka pendek. Kedua rencana tersebut disusun the principles of prudence, risk management and the
dengan memperhatikan faktor-faktor internal dan principles of healthy banking activities. The Company
eksternal, serta memperhatikan prinsip kehati-hatian, formulates strategic policies to achieve sustainable
pengelolaan risiko, dan prinsip-prinsip kegiatan business growth as follows:
perbankan yang sehat. Perseroan merumuskan
kebijakan strategis untuk mencapai pertumbuhan
bisnis yang berkelanjutan sebagai berikut:
1. Mewujudkan berbagai inisiatif produk dan layanan 1. Realizing various digital-based product and service
berbasis digital melalui: initiatives through:
a. Merekrut talenta-talenta muda di bidang a. Recruiting young talents in the digital banking
perbankan digital. sector.
b. Melanjutkan pengembangan aplikasi b. Continuing the agile development of super
super (superapp) yang agile sesuai dengan applications (super-apps) in accordance with
perkembangan kebutuhan Nasabah dari developments in customer needs from time to
waktu ke waktu, dan time, and
c. Membangun kerja sama dengan berbagai c. Building cooperation with various strategic
mitra strategis Perseroan termasuk di partners of the Company including startup
antaranya perusahaan rintisan (startup companies.
companies).
2. Menghimpun Dana Pihak Ketiga – Segmen Mid 2. Collecting quality and sustainable Third Party
Income Affluent dan Retail yang berkualitas dan Funds (TPF) – Mid Income Affluent and Retail
sustainable melalui: Segments through:
a. Mengoptimalkan akuisisi Nasabah DPK baru a. Optimizing the acquisition of new TPF
oleh jaringan distribusi Bank. customers by the Bank’s distribution network.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 259
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TATA KELOLA PERUSAHAAN
Corporate Governance
RENCANA STRATEGIS PERUSAHAAN
Company Strategic Plan
b. Menyediakan layanan yang berkualitas b. Providing quality services including digital-
termasuk layanan berbasis digital yang sesuai based services that suit customer needs to
dengan kebutuhan Nasabah untuk mendorong encourage active customer transactions.
keaktifan Nasabah bertransaksi.
c. Membangun kemudahan akses pembukaan c. Building easy access to opening bank accounts
rekening DPK melalui layanan digital. through digital services.
d. Membangun kerja sama dengan mitra d. Building cooperation with the Company’s
strategis Perseroan dalam kerangka Laku strategic partners within the framework of Laku
Pandai (Branchless Banking). Pandai (Branchless Banking).
3. Menghimpun Dana Pihak Ketiga Segmen 3. Collecting quality Third Party Funds from the
Corporate yang berkualitas melalui: Corporate Segment through:
a. Memperluas penetrasi potensi Nasabah DPK a. Expanding potential penetration of corporate
corporate yang dikembangkan dari aktivitas customers developed from main business
Bisnis utama di masing-masing daerah tempat activities in each region where the Bank’s
jaringan distribusi Bank berada. distribution network is located.
b. Mengoptimalkan cross selling dari potensi b. Optimizing cross selling from potential loan
Nasabah pinjaman (Debitur) dan jaringan customers (debtors) and their business
bisnisnya. networks.
c. Menyediakan layanan elektronik yang sesuai c. Providing electronic services that suit the
dengan kebutuhan Nasabah corporate untuk needs of corporate customers to encourage
mendorong keaktifan Nasabah bertransaksi. active customer transactions.
4. Menyalurkan Kredit Segmen Usaha Mikro, Kecil, 4. Distribute loan to Micro, Small & Medium Business
& Menengah dan segmen Komersial yang secara Segment and Commercial Segment in a prudent
prudent, melalui: manner, through:
a. Mengoptimalkan potensi penyaluran kredit a. Optimizing the potential for loan distribution
pada sektor-sektor ekonomi yang menjadi in economic sectors which are the Company’s
kompetensi utama Perseroan di setiap jaringan main competencies in each Bank distribution
distribusi Bank. network.
b. Memanfaatkan peluang pada segmen b. Selectively optimize opportunities in the
komersial secara selektif pada sektor-sektor commercial segment in sectors with
dengan risiko yang terukur. measurable risks.
c. Mengoptimalkan kerja sama dengan berbagai c. Optimizing cooperation with various strategic
mitra strategis Perseroan dalam penyaluran partners of the Company in distributing
Kredit Usaha Rakyat (KUR) maupun Non-KUR People’s Business loan (KUR) and Non-KUR
dengan system cluster. using a cluster system.
5. Menyalurkan kredit Konsumer secara lebih 5. Distribute consumer loan more optimally through:
optimal melalui: a. Strengthening cooperation with various leading
a. Memperkuat kerja sama dengan berbagai developer partners in housing loan (KPR/KPA)
mitra developer terkemuka dalam penyaluran distribution.
KPR/KPA.
b. Melakukan monitoring secara komprehensif b. Carry out comprehensive monitoring
6. Mengembangkan berbagai potensi fee based 6. Developing various potential fee based income
income melalui: through:
a. Mengembangkan produk dan layanan a. Developing banking products and services
perbankan yang dapat berpotensi memberikan that have the potential to increase fee based
fee based income. income.
b. Menjadi agen pemasaran produk-produk b. Becoming a marketing agent for financial
keuangan, bekerja sama dengan mitra Manajer products, collaborating with Investment
Investasi dan perusahaan asuransi terkemuka. Manager partners and leading insurance
companies.
260 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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RENCANA STRATEGIS PERUSAHAAN
Company Strategic Plan
7. Melanjutkan langkah efisiensi biaya secara 7. Continuing cost efficiency measures consistently
konsisten melalui: through:
a. Memperkuat fungsi financial control dalam a. Strengthen the financial control function
memonitor akuntabilitas dari setiap biaya yang in monitoring accountability for every cost
dikeluarkan. incurred.
b. Secara reguler melakukan monitoring, b. Regularly carry out monitoring, reconciliation,
rekonsiliasi, identifikasi dan deteksi akan identification and detection of potential
adanya potensi inefisiensi pada pos-pos biaya inefficiencies in certain cost items.
tertentu.
8. Memperkuat dukungan Teknologi Informasi 8. Strengthening Information Technology support
melalui: through:
a. Memperkuat peran Komite Pengarah Teknologi a. Strengthen the role of the Information
Informasi. Technology Steering Committee.
b. Meningkatkan kualitas Sumber Daya Manusia b. Improving the quality of Information Technology
Teknologi Informasi. Human Resources.
c. Membangun kerja sama dengan mitra c. Building cooperation with the Company’s
strategis Perseroan yang memiliki expertise strategic partners who have expertise and
dan kehandalan dalam pengelolaan teknologi reliability in managing banking information
informasi perbankan. technology.
9. Mentransformasi fungsi jaringan distribusi kantor 9. Transforming the function of the office distribution
melalui: network through:
a. Penyesuaian layout jaringan kantor agar a. Adjusting the layout of the office network to
semakin efisien dan sesuai dengan kebutuhan, make it more efficient and in line with needs,
termasuk lewat konsep Kantor Cabang including through the Mobile Sub-Branch
Pembantu Mobile (KCP Mobile) dengan tujuan Office (KCP Mobile) concept with the aim of
mengoptimalkan strategi pemasaran yang optimizing marketing strategies that can be
dapat berpindah-pindah lokasi agar lebih mobile from location to location to be more
produktif dan diharapkan inisiatif ini seimbang productive and it is hoped that this initiative will
dengan potensi bisnis yang akan diperoleh. be balanced with the business potential that
will be obtained.
b. Memonitor produktivitas jaringan distribusi b. Monitor distribution network productivity with
dengan Key Performance Indicator (KPI) yang Key Performance Indicators (KPI) that are
relevan dengan arah kebijakan Perseroan yang relevant to the Company’s policy direction
menuju pada layanan perbankan digital. towards digital banking services.
10. Melakukan penguatan struktur permodalan. 10. Strengthen the capital structure.
11. Meningkatkan kapasitas dan kualitas sumber 11. Increase the capacity and quality of human
daya manusia yang profesional dan berintegritas, resources who are professional and have integrity,
melalui: through:
a. Menyesuaikan struktur organisasi dan a. Adjusting the organizational structure and
perimbangan komposisi tenaga kerja yang balance of workforce composition that leads
mengarah pada fokus Perseroan menuju to the Company’s focus on comprehensive
layanan komprehensif berbasis digital. digital-based services.
b. Membangun cara-cara baru dalam mengelola b. Building new ways of managing the talents
talenta-talenta yang diperlukan Perseroan needed by the Company, most of whom are
yang sebagian besar adalah generasi milenial. from the millennial generation.
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TATA KELOLA PERUSAHAAN
Corporate Governance
RENCANA STRATEGIS PERUSAHAAN
Company Strategic Plan
12. Meningkatkan kualitas pengelolaan risiko, kualitas 12. Improve the quality of risk management, internal
pengendalian internal dan kualitas pelaksanaan control and the quality of implementing good
tata kelola usaha yang baik, melalui: corporate governance, through:
a. Menyempurnakan dan memonitor kebijakan a. Refine and monitor policies and procedures
dan prosedur yang adaptif dengan that are adaptive to today’s digital banking
perkembangan perbankan digital dewasa ini. developments.
b. Meningkatkan koordinasi fungsi-fungsi yang b. Improve coordination of functions related to
terkait dengan pengendalian internal Bank. the Bank’s internal control.
Dewan Komisaris senantiasa menjalankan The Board of Commissioners continually supervises
pengawasan terhadap pelaksanaan Realisasi the implementation of the Bank Business Plan (BBP)
Rencana Bisnis Bank (RBB) secara periodik Realization periodically (semester). This is also related
(semesteran). Hal ini juga terkait dengan masukan to input from the Board of Commissioners to the
dari Dewan Komisaris kepada Direksi mengenai Board of Directors concerning the measures that
langkah-langkah yang perlu dilakukan dalam need to be taken in achieving the Company’s targets
pencapaian target dan kinerja perusahaan. and performance.
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ASPEK PEMEGANG SAHAM
Shareholder Aspects
Otoritas Jasa Keuangan telah menetapkan PT The Financial Services Authority has designated
Putera Mulia Indonesia sebagai Pemegang Saham PT Putera Mulia Indonesia as the Controlling
Pengendali (PSP) dan Bp. James Tjahaja Riady Shareholder (PSP) and Mr. James Tjahaja Riady as the
sebagai Pemegang Saham Pengendali Terakhir Ultimate Controlling Shareholder (PSPT) of PT Bank
(PSPT) / Ultimate Shareholder PT Bank Nationalnobu Nationalnobu Tbk, who has met the fit and proper test
Tbk yang telah memenuhi penilaian kemampuan according to Financial Services Authority Regulation
dan kepatutan sesuai Peraturan Otoritas Jasa No. 27/POJK.03/2016 regarding the Fit and Proper
Keuangan nomor 27/POJK.03/2016 tentang Penilaian Test for Key Parties of Financial Services Institutions.
Kemampuan dan Kepatutan Bagi Pihak Utama
Lembaga Jasa Keuangan.
PROGRAM KEPEMILIKAN SAHAM
Shares Option
Anggota Dewan Komisaris, Direksi, serta Pejabat Members of the Board of Commissioners, the Board
Eksekutif Perseroan tidak memiliki shares option of Directors, and Executives of the Company do not
atau opsi untuk membeli saham yang dilakukan have share options or any other options to buy shares
melalui penawaran saham atau penawaran opsi through a share offering or share option offering for
saham dalam rangka pemberian kompensasi yang providing compensation to members of the Board of
diberikan kepada anggota Dewan Komisaris, Direksi Commissioners, the Board of Directors and Executive
dan Pejabat Eksekutif Perseroan, dan yang telah Officers of the Company, and such matters have been
diputuskan dalam Rapat Umum Pemegang Saham decided in General Meeting of Shareholders and/or
dan/atau Anggaran Dasar Perseroan. the Company’s Articles of Association.
Jumlah saham Jumlah Opsi
Number of Option Harga Opsi (Rp)
yang dimiliki Jangka
Keterangan/Nama Option Price
(lembar saham) Yang diberikan Yang telah dieksekusi Waktu
Description/Name (IDR)
Number of shares (Lembar saham) (lembar saham) Term
owned (in shares) Given (In shares) Executed (in shares)
Direksi Nihil Nihil Nihil Nihil Nihil
Board of Directors Nil Nil Nil Nil Nil
Komisaris Nihil Nihil Nihil Nihil Nihil
Commissioner Nil Nil Nil Nil Nil
Pejabat Eksekutif Nihil Nihil Nihil Nihil Nihil
Executive Officer Nil Nil Nil Nil Nil
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 263
Page 266
TATA KELOLA PERUSAHAAN
Corporate Governance
TRANSAKSI YANG MENGANDUNG
BENTURAN KEPENTINGAN
Transactions Containing Conflict of Interests
Selama tahun 2023, tidak terdapat suatu transaksi During 2023, there was no transaction that contained
yang mengandung benturan kepentingan di a conflict of interest in the Company.
Perseroan.
Nama dan Jabatan yang Nama dan Jabatan Nilai Transaksi
Memiliki Benturan Pengambil Keputusan Jenis Transaksi (Juta Rp) Keterangan
Name and Position of the Person Name and Position Type of Transaction Transaction Value Description
Having Conflict of Interests of Decision Maker (IDR Million)
Nihil
– – – –
Nil
PENYEDIAAN DANA KEPADA PIHAK
TERKAIT & PENYEDIAAN DANA BESAR
Runding to Related Parties qnd Large Exposure
Penyediaan dana kepada pihak terkait dan penyediaan Funding to related parties and large exposure,
dana besar, mencakup hal-hal sebagai berikut: including the following matters:
• Menyusun kebijakan dan prosedur untuk • Arrange policies and procedures for funding to
penyediaan dana kepada pihak terkait dan related parties and large exposure.
penyediaan dana besar.
• Laporan berkala perihal penyediaan dana kepada • Periodic reports on funding to related parties
pihak terkait dan penyediaan dana besar telah and large exposure have been submitted to the
disampaikan kepada Otoritas Jasa Keuangan Financial Services Authority in a timely manner.
secara tepat waktu.
• Penyediaan dana senantiasa dilakukan dengan • Funding shall always be conducted by considering
memperhatikan prinsip kehati-hatian serta telah the prudence principle and must comply with
memenuhi ketentuan Otoritas Jasa Keuangan the provisions of OJK and Bank Indonesia. As of
dan Bank Indonesia. Per 31 Desember 2023 tidak 31 December 2023, there were no violations and
terdapat pelanggaran dan pelampauan Batas exceedances of the Legal Lending Limit (LLL) and
Maksimum Pemberian Kredit (BMPK). Penyediaan there was no funding. Provision of funds to related
dana kepada pihak terkait dan penyediaan dana parties and provision of large funds must obtain
besar harus mendapatkan persetujuan dari approval from the Board of Commissioners. The
Dewan Komisaris. Adapun penyediaan dana provision of funds to the core debtors is as follows:
kepada debitur inti adalah sebagai berikut:
Jumlah | Total
Penyediaan Dana
No. Debitur Nominal (Juta Rp)
Provision of Fund
Debtor Amount (IDR Million)
1 Kepada Pihak Terkait | To Affiliated Party 3 297.338
2 Kepada Debitur Inti: | To Core Debtor:
Individu | Individuals 12 1.695.997
Grup | Group 12 2.005.059
264 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 267
BATAS MAKSIMUM PEMBERIAN KREDIT
Legal Lending Limit
Batas Maksimum Pemberian Kredit (BMPK) Legal Lending Limit (LLL) is the percentage of the ratio
adalah persentase perbandingan batas maksimum of the maximum allowable provision of funds to the
penyediaan dana yang diperkenankan terhadap Bank’s capital. The Bank determines that the LLL for
modal Bank. Bank menetapkan bahwa BMPK untuk non-related parties is a maximum of 25% of the Bank’s
selain pihak terkait adalah paling tinggi sebesar 25% core capital for 1 (one) Borrower or 1 (one) Group of
dari modal inti Bank untuk 1 (satu) Peminjam atau 1 Borrowers. Meanwhile, the LLL for related parties is set
(satu) Kelompok Peminjam. Sedangkan BMPK untuk at a maximum of 10% of the Bank’s capital, both for
pihak terkait ditetapkan paling tinggi sebesar 10% one borrower and for a group of borrowers.
dari modal Bank, baik untuk satu peminjam maupun
untuk satu kelompok peminjam.
Penetapan ini adalah mengacu pada ketentuan This stipulation refers to the provisions of the regulator
regulator mengenai Batas Maksimum Pemberian regarding the Maximum Lending Limit, in this case
Kredit, dalam hal ini adalah termasuk ketentuan- including the provisions regarding the exception.
ketentuan perihal pengecualiannya. Penyediaan Dana Provision of Large Exposure is the nominal Provision of
Besar adalah nominal Penyediaan Dana kepada 1 Funds to 1 (one) borrower or 1 (one) group of borrowers
(satu) peminjam atau 1 (satu) kelompok peminjam other than related parties in the amount of 10% (ten
selain pihak terkait sebesar 10% (sepuluh persen) percent) or more of the Bank’s core capital.
atau lebih dari modal inti Bank.
Setiap pemberian kredit atau penyediaan dana Any granting of loans or funding must obtain approval
wajib mendapatkan persetujuan dari Komite Kredit, from the Credit Committee, specifically for the funding
khusus untuk penyediaan dana kepada pihak terkait to related parties must also obtain approval from the
juga wajib mendapatkan persetujuan dari Dewan Board of Commissioners.
Komisaris.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 265
Page 268
TATA KELOLA PERUSAHAAN
Corporate Governance
PEMBERIAN DANA UNTUK KEGIATAN
POLITIK DAN SOSIAL
Funding for Political and Social Activities
Selama periode tahun 2023, Perseroan tidak pernah During 2023 the Company has not provided any
memberikan dana untuk kegiatan politik. funding for political activities.
Upaya-upaya Perseroan dalam keuangan The Company’s efforts i n sustainable f inance w ill be
berkelanjutan akan dijabarkan dalam Laporan described in the Sustainability Report.
Keberlanjutan.
Perseroan senantiasa berpartisipasi dalam The Company consistently participates in improving
meningkatkan kesejahteraan masyarakat maupun community welfare and aiding victims of natural
memberikan bantuan kepada korban bencana disasters through the Company’s corporate
alam melalui kegiatan tugas dan tanggung jawab social responsibility program. During 2023 the
Perseroan, selama tahun 2023 Perseroan telah Company has donated funds for social activities as
memberikan dana untuk kegiatan sosial sebagai follows:
berikut:
Kegiatan Lokasi Biaya Kegiatan
Activity Location Activity Cost
Pemberian Donasi Untuk Peserta BPJS Menunggak Iuran BPJS Kesehatan Kantor
RP 100.000.000
Donation for BPJS Participants with arrears of deposits Cabang Jember
Pemberian Donasi CSR melalui program “Improving Solidarity for Better
Reproductive Health” yang dilaksanakan oleh Fakultas Kedokteran
Universitas Indonesia (FKUI) Cijeruk, Sentul, Jawa
Rp 30.000.000
Providing CSR donations through the “Improving Solidarity for Better Barat
Reproductive Health” program implemented by the Faculty of Medicine,
University of Indonesia (FKUI).
Pemberian Donasi CSR melalui acara “Youth Basketball Association
Winter Cup 2023”
Cirebon, Jawa Barat Rp 40.000.000
CSR donation through the “Youth Basketball Association Winter Cup
2023” event
266 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 269
PENERAPAN PEDOMAN TATA KELOLA
PERUSAHAAN TERBUKA
GCG Guidelines Implementation for Public Companies
No. Rekomendasi | Recommendation Keterangan | Description
Aspek 1: Hubungan Perusahaan Terbuka dengan Pemegang Saham dalam Menjamin Hak-Hak Pemegang Saham
Aspect: Relationship between Public Company and Shareholders in Ensuring the Rights of the Shareholders
Prinsip 1: Meningkatkan Nilai Penyelenggaraan Rapat Umum Pemegang Saham (RUPS)
Principle 1: Improving the Value of GMS Convention
1.1 Perusahaan Terbuka memiliki cara atau prosedur teknis pengumpulan Terpenuhi.
suara (voting) baik secara terbuka maupun tertutup yang
mengedepankan independensi dan kepentingan pemegang saham.
Public Company has voting procedures either publicly or confidentially, Complied.
which promotes independency and shareholder interest
1.2 Seluruh anggota Direksi dan anggota Dewan Komisaris Perusahaan Terpenuhi.
Terbuka hadir dalam RUPS Tahunan.
All Board of Directors and Board of Commissioners members attended Complied.
the Annual General Meeting of Shareholders.
1.3 Ringkasan risalah RUPS tersedia dalam Situs Web Perusahaan Terbuka Terpenuhi.
paling sedikit selama 1 (satu) tahun.
The GMS Summary is available on the company’s website for at least 1 Complied.
(one) year.
Prinsip 2: Meningkatkan Kualitas Komunikasi Perusahaan Terbuka dengan Pemegang Saham atau Investor
Principle 2: Improving the quality of Public Companies Communication with Shareholders or Investors
2.1 Perusahaan Terbuka memiliki suatu kebijakan komunikasi dengan Terpenuhi.
pemegang saham atau investor.
Public Company has a communication policy with shareholders or Complied.
investors.
2.2 Perusahaan Terbuka mengungkapkan kebijakan komunikasi Terpenuhi.
Perusahaan Terbuka dengan pemegang saham atau investor dalam
situs Web.
Company discloses its communication policy with shareholders or Complied.
investors on website.
Aspek 2: Fungsi dan Peran Dewan Komisaris
Aspect 2: Board of Commissioners Functions and Roles
Prinsip 3: Memperkuat Keanggotaan dan Komposisi Dewan Komisaris
Principle 3: Strengthening the Board of Commissioners Membership and Composition
3.1 Penentuan jumlah anggota Dewan Komisaris mempertimbangkan Terpenuhi.
kondisi Perusahaan Terbuka.
Determining the Board of Commissioners membership composition by Complied.
considering various skills, knowledge, and experiences.
Prinsip 4: Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab
Principle 4: Improving the Quality of the Board of Commissioners Duties and Responsibilities
4.1 Dewan Komisaris mempunyai kebijakan penilaian sendiri (Self- Terpenuhi.
Assessment) untuk menilai kinerja Dewan Komisaris.
The Board of Commissioners has a self-assessment policy for its Complied.
performance.
4.2. Kebijakan penilaian sendiri (Self-Assessment) untuk menilai kinerja Terpenuhi.
Dewan Komisaris, diungkapkan melalui Laporan Tahunan Perusahaan
Terbuka.
The self-assessment policy to assess the Board of Commissioners, is Complied.
disclosed to the Annual Report of the public company.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 267
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TATA KELOLA PERUSAHAAN
Corporate Governance
PENERAPAN PEDOMAN TATA KELOLA PERUSAHAAN TERBUKA
GCG Guidelines Implementation for Public Companies
No. Rekomendasi | Recommendation Keterangan | Description
4.3 Dewan Komisaris mempunyai kebijakan terkait dengan pengunduran Terpenuhi.
diri anggota Dewan Komisaris apabila terlibat dalam kejahatan
keuangan.
The Board of Commissioners has a policy with respect to the resignation Complied.
of Board of Commissioners member if such member involved in
financial crime.
4.4. Dewan Komisaris atau Komite yang menjalankan fungsi Nominasi Terpenuhi.
dan Remunerasi menyusun kebijakan suksesi dalam proses nominasi
anggota Direksi.
The Board of Commissioners or Committee that carries out the Complied.
Nomination and Remuneration function develops succession policies
for the Board of Directors members’ nomination.
Aspek 3: Fungsi dan Peran Direksi
Aspect 3: Board of Directors Functions and Roles
Prinsip 5: Memperkuat Keanggotaan dan Komposisi Direksi
Principle 5: Strengthening the Board of Directors Membership and Composition
5.1. Penentuan jumlah anggota Direksi mempertimbangkan kondisi Terpenuhi.
Perusahaan Terbuka serta efektivitas dalam pengambilan keputusan.
Determining the number of Board of Directors’ members considering Complied.
the company’s condition and effectiveness in decision making.
5.2 Penentuan komposisi anggota Direksi memperhatikan, keberagaman Terpenuhi.
keahlian, pengetahuan, dan pengalaman yang dibutuhkan. Bank memiliki anggota Direksi dengan
keahlian, pengetahuan, dan pengalaman
sebagaimana tercantum dalam Profil Direksi
pada Bab 3 di Laporan Tahunan ini.
Determining the Board of Directors membership composition by Complied. The Bank’s Board of Directors
considering various skills, knowledge, and experiences. members have the skills, knowledge and
experience as shown in the Board of Directors
Profiles in Chapter 3 of this Annual Report.
5.3. Anggota Direksi yang membawahi bidang akuntansi atau keuangan Terpenuhi.
memiliki keahlian dan/atau pengetahuan di bidang akuntansi. Tertera pada Profil Direktur Keuangan pada
Laporan Tahunan ini.
The Board of Directors members who are in charge of accounting or Complied. Refer to the Finance Directors’
financial have expertise and/or knowledge in accounting. Profile in this Annual Report.
Prinsip 6: Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Direksi
Principle 6: Improving the Quality of the Board of Directors Duties and Responsibilities
6.1 Direksi mempunyai kebijakan penilaian sendiri untuk menilai kinerja Terpenuhi.
Direksi.
The Board of Directors has a self-assessment policy to assess its Board Complied.
of Directors performance
6.2 Kebijakan penilaian sendiri (self-assessment) untuk menilai kinerja Terpenuhi.
Direksi diungkapkan melalui laporan tahunan Perusahaan Terbuka.
The self-assessment policy to be disclosed in the Annual Report. Complied.
6.3. Direksi mempunyai kebijakan terkait pengunduran diri anggota Direksi Terpenuhi.
apabila terlibat dalam kejahatan keuangan.
The Board of Directors has policies relating to the resignation of Board Complied.
of Directors members if they are involved in financial crimes.
Aspek 4: Partisipasi Pemangku Kepentingan
Aspect 4: Stakeholder Participation
268 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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PENERAPAN PEDOMAN TATA KELOLA PERUSAHAAN TERBUKA
GCG Guidelines Implementation for Public Companies
No. Rekomendasi | Recommendation Keterangan | Description
Prinsip 7: Meningkatkan Aspek Tata Kelola Perusahaan melalui Partisipasi Pemangku Kepentingan
Principle 7: Increasing Good Corporate Governance Aspects through Stakeholder Participation
7.1 Perusahaan Terbuka memiliki kebijakan untuk mencegah terjadinya Terpenuhi.
insider trading.
Public Company has policies to prevent insider trading. Complied.
7.2. Perusahaan Terbuka memiliki kebijakan anti korupsi dan Anti-Fraud. Terpenuhi.
Bank memiliki Kebijakan anti korupsi atau
anti penyuapan.
Public Company has anti-corruption and anti-fraud policies. Complied. The Bank has an anti-corruption
policy or anti-bribery policy.
7.3. Perusahaan Terbuka memiliki kebijakan tentang seleksi dan Terpenuhi.
peningkatan kemampuan pemasok atau vendor. Bank memiliki Kebijakan Pengadaan Barang
dan Jasa.
Public Company has policies regarding the selection and increase in the Complied. The Bank has a Procurement
abilities of suppliers or vendors. Policy for Goods and Services.
7.4. Perusahaan Terbuka memiliki kebijakan untuk pemenuhan hak-hak Terpenuhi.
kreditur Pemenuhan hak-hak kreditur tertuang dalam
perjanjian yang disepakati oleh
Public Company has policies regarding the fulfillment of creditor rights. Complied.
7.5. Perusahaan Terbuka memiliki kebijakan Sistem whistleblowing. Terpenuhi.
Bank memiliki kebijakan sistem
whistleblowing.
Public Company has whistleblowing system policies. Complied. The Bank has a whistleblowing
system policy.
7.6. Perusahaan Terbuka memiliki kebijakan pemberian insentif jangka Terpenuhi.
panjang kepada Direksi dan karyawan. Bank memiliki kebijakan remunerasi, seperti
yang disajikan pada Laporan Tahunan ini.
Public Company has policies for providing long-term incentives to the Complied. The Bank has a remuneration
Board of Directors and employees. policy, as disclosed in this Annual Report.
Aspek 5: Keterbukaan Informasi
Aspect 5: Information Disclosure
Prinsip 8: Meningkatkan Pelaksanaan Keterbukaan Informasi
Principle 8: Improving Information Disclosure
8.1. Perusahaan Terbuka memanfaatkan penggunaan teknologi informasi Terpenuhi.
secara lebih luas selain Situs Web sebagai media keterbukaan
informasi.
Public Companies utilize information technology widely outside its Complied.
website in the form of information disclosure media.
8.2 Laporan Tahunan Perusahaan Terbuka mengungkapkan pemilik Terpenuhi.
manfaat akhir dalam kepemilikan saham Perusahaan Terbuka paling Bank telah mengungkapkannya pada
sedikit 5% (lima persen), selain pengungkapan pemilik manfaat akhir Laporan Tahunan ini.
dalam kepemilikan saham Perusahaan Terbuka melalui pemegang
saham utama dan pengendali.
Public Companies Annual Reports disclose the final beneficial owners Complied. The Bank has disclosed this
of their shares holding at least five percent, in addition to the disclosure information in this Annual Report.
of the final beneficial owners in the Public Companies through the
majority and controlling shareholder.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 269
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TATA KELOLA PERUSAHAAN
Corporate Governance
MANAJEMEN RISIKO
Risk Management
Penerapan Manajemen Risiko merupakan salah The implementation of Risk Management is a crucial
satu pilar penting dan senantiasa menjadi perhatian pillar and continually a focus of management efforts to
oleh pihak manajemen dalam upaya menjamin ensure the sustainable and stable long-term business
kelangsungan aktivitas bisnis Perseroan yang continuity of the Company through good governance.
berkesinambungan dan stabil dalam jangka panjang The implementation of Risk Management is
dengan menerapkan tata kelola yang baik. Penerapan mandatory for the Company as regulated in Financial
Manajemen Risiko wajib diterapkan oleh Perseroan Services Authority Regulation No. 18/POJK.03/2016
sebagaimana telah diatur pada Peraturan Otoritas dated March 16, 2016, and further detailed in the
Jasa Keuangan No.18/POJK.03/2016 tanggal 16 Maret Financial Services Authority Circular Letter No. 34/
2016 dan lebih lanjut diatur dalam Surat Edaran SEOJK.03/2016 dated September 1, 2016, about the
Otoritas Jasa Keuangan No. 34/SEOJK.03/2016 Implementation of Risk Management for Commercial
tanggal 1 September 2016 tentang Penerapan Banks. In its execution, the Company has applied
Manajemen Risiko bagi Bank Umum. Dalam risk management to all types of risks faced by the
pelaksanaannya, Perseroan telah menerapkan Company according to the regulations set by the
manajemen risiko untuk seluruh jenis risiko yang regulator, covering eight types of risk: credit risk,
dihadapi oleh Perseroan sesuai dengan ketentuan market risk, liquidity risk, operational risk, legal risk,
yang ditetapkan oleh regulator yang meliputi 8 strategic risk, compliance risk, and reputation risk.
(delapan) jenis risiko yaitu risiko kredit, risiko pasar,
risiko likuiditas, risiko operasional, risiko hukum, risiko
stratejik, risiko kepatuhan, dan risiko reputasi.
Sebagai bagian dari tata kelola Perseroan, maka As part of the Company’s governance, effective Risk
Penerapan Manajemen Risiko yang efektif Management Implementation is carried out through
dilaksanakan melalui prinsip-prinsip yang meliputi principles that include active supervision by the Board
pengawasan aktif Dewan Komisaris dan Direksi, of Commissioners and Directors, adequacy of policies,
kecukupan kebijakan, prosedur dan penetapan limit procedures, and risk management limits setting,
manajemen risiko, kecukupan proses manajemen adequacy of the risk management process including
risiko yang meliputi identifikasi, pengukuran, identification, measurement, monitoring, and risk
pemantauan dan pengendalian risiko, serta control, as well as the application of a comprehensive
penerapan sistem informasi manajemen risiko risk management information system and internal
berikut sistem pengendalian intern yang menyeluruh. control system.
Penerapan Manajemen Risiko berpedoman pada Risk Management Implementation is guided by a risk
kerangka manajemen risiko yang dituangkan dalam management framework encapsulated in the Bank’s
Kebijakan Umum Penerapan Manajemen Risiko Bank General Policy on Risk Management Implementation
sebagai landasan dasar dalam menetapkan strategi as a basic foundation in setting risk strategy, application
risiko, penerapan dari pengawasan aktif Dewan of active supervision by the Board of Commissioners
Komisaris dan Direksi, kerangka organisasi, prosedur and Directors, organizational framework, procedures,
dan metodologi penetapan limit, serta proses yang and limit-setting methodology, and processes that
meliputi tahapan-tahapan dalam mengidentifikasi, include stages in identifying, measuring, monitoring,
mengukur, memantau dan mengendalikan risiko and controlling the arising risks to ensure that all
yang timbul sehingga seluruh kegiatan usaha dapat business activities are well-managed according to the
dikelola dengan baik sesuai dengan tingkatan risiko level of the Bank’s risk appetite in order to achieve the
yang bersedia diambil oleh Bank (risk appetite) dalam company’s goal of business growth and increasing the
rangka mencapai tujuan perusahaan yaitu adanya Company’s revenue sustainably and in the long term.
pertumbuhan bisnis dan meningkatnya pendapatan
Perseroan secara berkesinambungan dan bersifat
jangka panjang.
270 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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MANAJEMEN RISIKO
Risk Management
Tingkat risiko yang bersedia diambil ditetapkan The risk level the Company is willing to take is
oleh Perseroan dengan memperhatikan aspek determined by considering the aspect of capitalisation,
permodalan, mengingat besarnya tingkat pemodalan given the level of capitalisation is essentially an
pada dasarnya merupakan variabel yang penting important variable in absorbing all potential risks
dalam menyerap seluruh potensi risiko yang dihadapi faced by the Company. In addition, the Company
oleh Perseroan. Selain itu, Perseroan juga senantiasa continuously strives to increase awareness of creating
berupaya untuk meningkatkan kesadaran secara an inherent risk management culture at every
terus-menerus atas terciptanya budaya manajemen organisational level, including through the approach
risiko yang melekat di setiap jenjang organisasi of 3 (three) lines of defense and the implementation
diantaranya melalui pendekatan 3 (three) lines of of prudence principles in all Company business
defense serta pelaksanaan prinsip-prinsip kehati- activities.
hatian pada semua aktivitas bisnis Perseroan.
Aktivitas manajemen risiko senantiasa mendapat Risk management activities always receive attention
perhatian dari Perseroan dalam upaya mengimbangi from the Company in balancing the increasingly
semakin kompleks dan beragamnya produk maupun complex and diverse products and business
tantangan-tantangan bisnis yang dihadapi Perseroan. challenges. Consistent long-term risk management
Penerapan manajemen risiko yang konsisten dalam application is expected to play an essential role in
jangka panjang diharapkan akan berperan penting enhancing competitiveness and providing added
dalam meningkatkan daya saing serta memberikan value and benefits not only for the Company but also
nilai tambah dan manfaat tidak saja bagi Perseroan for stakeholders.
namun juga bagi para pemangku kepentingan.
Dewan Komisaris dan Direksi telah memastikan The Board of Commissioners and Directors
bahwa struktur organisasi telah dibuat secara have ensured that the organizational structure is
memadai sesuai dengan kompleksitas, ukuran dan adequately made according to the complexity, size,
kebutuhan bisnis Perseroan maupun ketentuan and business needs of the Company and applicable
regulator yang berlaku. Kebijakan dan prosedur regulatory provisions. Policies and procedures are
dibuat dengan memperhatikan tugas dan tanggung created considering the duties and responsibilities
jawab masing-masing unit kerja berdasarkan analisa of each work unit based on the analysis of needs
kebutuhan dan kompetensi sumber daya manusia and human resource competencies that have met
yang telah memenuhi standar kuantitas dan kualitas the set standards of quantity and quality, in an effort
yang ditetapkan, dalam upaya untuk mendukung to support good Risk Management Implementation.
Penerapan Manajemen Risiko yang baik. Dalam hal In this case, the analysis of needs also considers the
ini analisa kebutuhan juga memperhatikan tantangan challenges of human resource needs linked with the
kebutuhan sumber daya manusia yang dikaitkan dynamically changing business environment due to
dengan lingkungan bisnis yang berubah secara rapid technological developments.
dinamis sehubungan perkembangan teknologi yang
pesat.
Perseroan juga telah membentuk komite eksekutif The Company has also established executive
dalam lingkup kerja pengendalian dan pengawasan committees within the scope of risk control and
risiko melalui Komite Pemantau Risiko (KPR) di tingkat supervision through the Risk Monitoring Committee
Dewan Komisaris serta Komite Manajemen Risiko (RMC) at the Board of Commissioners level and the
dan Kebijakan Perkreditan di tingkat Direksi, yang Risk Management and Credit Policy Committee at the
melakukan rapat secara berkala. Komite eksekutif Directors’ level, which meet regularly. Other executive
lainnya yang terkait dengan pengendalian risiko committees specifically related to risk control, such
secara spesifik juga telah ditetapkan seperti Komite as the Assets and Liabilities Committee (ALCO),
Aset dan Liabilitas (ALCO), Komite Kredit, Komite Credit Committee, Information Technology Steering
Pengarah Teknologi Informasi, Change Advisory Committee, Change Advisory Board (CAB), and New
(CAB) dan Komite Produk Bank Baru (PBB). Bank Product Committee (PBB), have also been
established.
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TATA KELOLA PERUSAHAAN
Corporate Governance
MANAJEMEN RISIKO
Risk Management
Pengawasan Aktif Dewan Komisaris dan Direksi Active Supervision of the Board of Commissioners
and Board of Directors
Salah satu pilar manajemen risiko adalah adanya One of the pillars of risk management is the strong
komitmen yang kuat dari manajemen puncak dalam commitment from top management in supporting
mendukung terlaksananya proses manajemen risiko the implementation of an effective risk management
yang efektif. Dewan komisaris dan Direksi telah process. The Board of Commissioners and the
memahami risiko yang dihadapi oleh Perseroan Directors have understood the risks encountered
untuk kemudian memberikan arahan yang jelas by the Company and then provide clear direction in
dalam upaya mengurangi dampak risiko tersebut efforts to reduce the impact of those risks, as well
serta melakukan pengawasan secara aktif dan as actively supervise and foster a risk management
menumbuhkan budaya manajemen risiko. culture.
Di samping itu, Dewan Komisaris dan Direksi juga In addition, the Board of Commissioners and Directors
sangat berperan dalam memastikan tersedianya also play a significant role in ensuring the availability
struktur organisasi, penetapan tugas dan tanggung of an organisational structure, the assignment of
jawab dari masing-masing pihak yang mengelola duties and responsibilities of each party managing
risiko serta memastikan tersedianya kuantitas sumber risks, and ensuring the availability of human resource
daya manusia yang dapat mendukung terciptanya quantities that can support the creation of an effective
proses manajemen risiko yang efektif sesuai dengan risk management process according to the size, level
ukuran, tingkat kompleksitas bisnis, kompetisi dan of business complexity, competition, and risk profile of
profil risiko yang dihadapi oleh Perseroan. the Company.
Kecukupan Kebijakan, Prosedur, dan Penetapan Limit Adequacy of Policies, Procedures, and Limit Setting
Perseroan senantiasa berupaya memastikan The Company strives to ensure the availability of
ketersediaan adanya kecukupan kebijakan, prosedur, adequate policies, procedures, and the setting of
dan penetapan limit internal yang merupakan internal limits, which is one of the Company’s steps
salah satu langkah Perseroan dalam menerapkan in implementing risk management. The creation or
manajemen risiko. Pembuatan kebijakan baru development of new policies is adjusted to the bank’s
maupun pengembangannya dilakukan dengan business strategy and changes in the business
menyesuaikan strategi bisnis bank dan perubahan environment, always taking into account the applicable
lingkungan bisnis terjadi, yang disusun dengan regulations from regulators and the government. Each
senantiasa memperhatikan pada peraturan yang policy, procedure, and internal limit setting is reviewed
berlaku dari regulator dan pemerintah. Setiap before being issued and is evaluated/adjusted
kebijakan, prosedur dan penetapan limit internal regularly in response to changes in the Company’s
dilakukan pengkajian terlebih dahulu sebelum business activities and regulatory requirements.
diterbitkan serta dilakukan evaluasi/penyesuaian
secara berkala terhadap perubahan atas aktivitas
bisnis Perseroan dan ketentuan regulator.
Perseroan secara terus menerus berupaya The Company continuously endeavours to develop
mengembangkan dan meningkatkan kerangka and improve the framework of the risk management
sistem pengelolaan risiko maupun struktur system and the structure of integrated and
pengendalian internal yang terintegrasi dan comprehensive internal controls. This is done to adjust
komprehensif. Hal tersebut dilakukan, dalam rangka the implementation of risk management according
menyesuaikan pelaksanaan manajemen risiko sesuai to the development of the banking business level
dengan perkembangan tingkat usaha perbankan dan and to ensure that the monitoring process is carried
memastikan proses pemantauan telah dilaksanakan out continuously, creating an effective mechanism
secara berkelanjutan sehingga tercipta mekanisme in detecting potential risks earlier, ensuring that
yang efektif dalam mendeteksi adanya potensi risiko adequate steps can be taken to reduce the impact of
secara lebih dini, untuk selanjutnya dapat diambil potential risks.
langkah-langkah yang memadai untuk mengurangi
dampak risiko yang berpotensi timbul.
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MANAJEMEN RISIKO
Risk Management
Kerangka manajemen risiko tercermin dalam The risk management framework is reflected in
bentuk selera risiko (risk appetite), toleransi risiko the form of risk appetite, risk tolerance, policies,
(risk tolerance), kebijakan, prosedur, limit transaksi procedures, transaction limits, and executive
maupun kewenangan pejabat serta berbagai authorities, as well as various other instruments within
perangkat lainnya dalam ruang lingkup bisnis dan the scope of the Company’s business and operational
operasional Perseroan. activities.
Kecukupan Proses Manajemen Risiko dan Sistem Adequacy of Risk Management Process and Risk
Informasi Manajemen Risiko Management Information System
Proses manajemen risiko telah diterapkan oleh The risk management process has been adequately
Perseroan secara memadai seperti dilakukannya implemented by the Company, such as the risk
proses identifikasi risiko yang melekat pada identification process inherent in all Bank products,
seluruh produk Bank, pengukuran, pengendalian measurement, control, and monitoring of Bank
dan pemantauan terhadap produk Bank yang products, which also includes an evaluation of risk
juga mencakup evaluasi terhadap eksposur risiko, exposure, risk tolerance, or limits, as well as stress
toleransi risiko atau limit-limit maupun uji ketahanan testing the impact of risk exposure under worst-case
dampak eksposur risiko pada kondisi terburuk scenarios, presented in regular reports. The risk control
(stress test) yang disajikan dalam laporan secara process is applied continuously and adjusted to the
berkala. Proses pengendalian risiko diterapkan level of risk exposure acceptable to management, the
secara berkesinambungan dan disesuaikan dengan Company’s risk appetite, and risk tolerance.
besarnya eksposur risiko yang dapat diterima
oleh manajemen, risk appetite, dan risk tolerance
Perseroan.
Tingkat risk appetite, risk tolerance, dan limit per The level of risk appetite, risk tolerance, and limits
jenis risiko dikaji secara berkala disesuaikan dengan per type of risk are regularly reviewed and adjusted
perkembangan bisnis yang terjadi dan disesuaikan according to business developments and aligned
dengan maksimum risiko yang masih dapat di with the maximum risk still tolerable in relation to the
toleransi dikaitkan dengan permodalan yang dimiliki Company’s capitalization. Risk exposures and risk limit
oleh perseroan. Eksposur risiko yang timbul beserta boundaries are constantly monitored and reported to
batasan limit risiko senantiasa dipantau dan the Company’s management. The information system
disampaikan kepada manajemen Perseroan. Sistem is a vital part in executing the entire risk management
informasi merupakan bagian yang sangat penting process.
dalam pelaksanaan keseluruhan proses manajemen
risiko tersebut.
Dalam hal sistem informasi manajemen risiko ini, Regarding this risk management information system,
Satuan Kerja Manajemen Risiko menyusun laporan the Risk Management Unit compiles reports on the
eksposur-eksposur risiko utama yang dihadapi oleh main risk exposures faced by the Company regularly,
perseroan secara berkala seperti Laporan Profil such as the Risk Profile Report and the Bank’s
Risiko dan Laporan Tingkat Kesehatan Bank, Laporan Soundness Level Report, the overall Risk Management
Manajemen Risiko secara keseluruhan, Laporan Report, Risk Management Reports by type of risk
Manajemen Risiko per jenis risiko seperti Laporan like Market Exposure Monitoring Report, Credit Risk,
Pemantauan Eksposur Risiko Pasar, Risiko Kredit, Counterparty Risk Monitoring Report, Liquidity Risk
Laporan Pemantauan Risiko Counterparty, Laporan Monitoring Report, etc., which are presented to Senior
Pemantauan Risiko Likuiditas dan lain sebagainya, Management, the Board of Directors, or executive
yang disampaikan kepada Senior Manajemen, Direksi committees such as the Risk Management and Credit
atau komite eksekutif seperti Komite Manajemen Policy Committee, and the Board of Commissioners
Risiko dan Kebijakan Perkreditan serta Dewan through the Risk Monitoring Committee.
Komisaris melalui Komite Pemantau Risiko.
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TATA KELOLA PERUSAHAAN
Corporate Governance
MANAJEMEN RISIKO
Risk Management
Laporan-laporan tersebut berguna bagi Manajemen These reports are useful for the Company’s
Perseroan dan fungsi-fungsi pengawas lainnya dalam Management and other supervisory functions in
menilai dan memantau risiko yang dihadapi Perseroan assessing and monitoring the risks faced by the
sehingga dapat menunjang proses pengambilan Company, thereby supporting the decision-making
keputusan dalam rangka strategi manajemen risiko process in terms of risk management strategies and
dan mitigasinya. mitigation.
Penilaian Profil Risiko dan penilaian Tingkat Risk Profile Assessment and the Bank’s Soundness
Kesehatan Bank dilakukan dengan memperhatikan Level Assessment are conducted considering
praktik-praktik dan metodologi yang telah diterima practices and methodologies well accepted in the
dengan baik di industri perbankan maupun yang banking industry or established by regulators and
telah ditetapkan oleh regulator serta memperhatikan considering the general principles of the Bank’s
prinsip-prinsip umum aspek-aspek penilaian Soundness Level Assessment, which are risk-oriented,
Tingkat Kesehatan Bank, yaitu berorientasi risiko, proportionality, materiality and significance, as well as
proporsionalitas, materialitas dan signifikansi, serta comprehensive and structured.
komprehensif dan terstruktur.
Adapun pendekatan dalam penilaian dan evaluasi The approach in assessing and evaluating the risk
profil risiko dilakukan dengan memperhatikan profile takes into account how significant the inherent
faktor seberapa besar risiko yang melekat yang risk known as Inherent Risk and the strength of the
dikenal sebagai Risiko Inheren dan seberapa kuat Quality of Risk Management Implementation. The
Kualitas Penerapan Manajemen Risiko. Kombinasi combination of these two factors results in a net risk
dari kedua faktor tersebut menghasilkan peringkat rating that is useful for the Company in applying risk
risiko bersih yang berguna bagi Perseroan dalam control strategies, especially the Company’s efforts
penerapan strategi pengendalian risiko, khususnya to minimize risks and prevent risks from recurring in
upaya Perseroan dalam meminimalisasi risiko the future. Parameters used in calculating the Risk
dan mencegah risiko terjadi kembali di masa yang Profile and the Bank’s Health Level are periodically
akan datang. Parameter yang digunakan dalam reviewed to adjust to the Company’s business level
menghitung Profil Risiko dan Tingkat Kesehatan developments and other external factors considered
Bank senantiasa dikaji ulang secara periodik untuk to have a significant impact on increasing the risk
disesuaikan dengan perkembangan tingkat usaha exposure faced by the Company.
Perseroan maupun faktor-faktor eksternal lainya
yang dianggap berdampak besar pada meningkatnya
eksposur risiko yang dihadapi oleh Perseroan.
Berdasarkan penilaian self-assessment, Profil Risiko Based on a self-assessment evaluation, the
Perseroan tahun 2023 secara komposit berada pada Company’s Risk Profile for 2023 is composite ranked
peringkat 2 (dua), dengan Risiko Inheren berada pada at level 2 (two), with Inherent Risk at level 2 (two) or
peringkat 2 (dua) atau Low to Moderate dan Kualitas Low to Moderate, and the Quality of Risk Management
Penerapan Manajemen Risiko berada di peringkat 2 Implementation at level 2 (two) or Satisfactory.
(dua) atau Satisfactory.
Sistem Pengendalian Intern Internal Control System
Sistem pengendalian intern yang efektif memiliki An effective internal control system aims to assist
tujuan untuk membantu manajemen dan management and company owners in safeguarding
pemilik perusahaan dalam upaya menjaga and securing the Company’s assets, ensuring the
dan mengamankan aset Perseroan, menjamin availability of reliable financial and managerial
tersedianya pelaporan keuangan dan manajerial reporting, enhancing the Company’s compliance with
yang dapat dipercaya, meningkatkan kepatuhan legal and regulatory requirements, reducing the risk
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MANAJEMEN RISIKO
Risk Management
Perseroan terhadap ketentuan dan peraturan of losses, and increasing organisational effectiveness
perundang-undangan, serta mengurangi risiko and cost efficiency.
terjadinya kerugian dan meningkatkan efektivitas
organisasi dan efisiensi biaya.
Sistem pengendalian intern pada Perseroan akan The successful implementation of the internal
terlaksana dengan baik tidak lepas dari tanggung control system within the Company relies on the
jawab seluruh karyawan Perseroan yang ikut responsibility of all Company employees who play
berperan aktif untuk menerapkan manajemen risiko. an active role in implementing risk management.
Berdasarkan ketentuan yang berlaku, Perseroan telah According to applicable regulations, the Company
memiliki unit kerja independen Satuan Kerja Internal has an independent work unit, the Internal Audit
Audit yang secara independen melakukan review dan Unit, which independently reviews, inspects, and
pemeriksaan maupun evaluasi terhadap aktivitas evaluates operational and business activities as well
operasional dan bisnis serta implementasi risiko as the overall implementation of risk management,
secara keseluruhan dan memastikan pemilik risiko, ensuring that risk owners, the Risk Management Unit,
Satuan Kerja Manajemen Risiko, dan Satuan Kerja and the Compliance Unit operate in accordance with
Kepatuhan telah berjalan sesuai dengan tata kelola governance and applicable regulations.
dan ketentuan yang berlaku.
Sistem pengendalian intern dibangun dengan dasar The internal control system is built on the foundation
terciptanya four eyes principle untuk memastikan of the four eyes principle to ensure a separation of
adanya pemisahan fungsi dalam setiap kegiatan functions in every operational activity of the Company
operasional Perseroan untuk menghindari to avoid the authorisation and responsibilities that
pemberian wewenang dan tanggung jawab yang can lead to conflicts of interest. The Company also
dapat menimbulkan adanya benturan kepentingan. continuously monitors and evaluates the effectiveness
Perseroan juga senantiasa memantau dan and adequacy of the Internal Control System regularly,
mengevaluasi efektivitas dan kapasitas kecukupan in line with internal and external changes that could
Sistem Pengendalian Intern secara berkala sejalan impact the Company in achieving financial targets.
dengan perubahan kondisi intern dan ekstern yang
dapat mempengaruhi perseroan dalam upaya
mencapai target finansial.
Selaras dengan ketentuan Otoritas Jasa Keuangan In line with the regulations of the Financial Services
(OJK) mengenai Penerapan Manajemen Risiko Bank Authority (OJK) regarding the Implementation of Risk
Umum maka pengelolaan risiko Perseroan selama Management for Commercial Banks, the Company’s
tahun 2023 dilakukan utamanya terhadap 8 (delapan) risk management throughout 2023 focused primarily
risiko yang meliputi Risiko Kredit, Risiko Pasar, Risiko on 8 (eight) risks, including Credit Risk, Market Risk,
Likuiditas, Risiko Operasional, Risiko Hukum, Risiko Liquidity Risk, Operational Risk, Legal Risk, Reputation
Reputasi, Risiko Stratejik dan Risiko Kepatuhan, Risk, Strategic Risk, and Compliance Risk, with the
dengan penjelasan sebagai berikut: following explanations:
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TATA KELOLA PERUSAHAAN
Corporate Governance
MANAJEMEN RISIKO
Risk Management
RISIKO KREDIT CREDIT RISK
Risiko kredit adalah risiko akibat kegagalan debitur Credit risk is arising from a debtor’s and/or
dan/atau pihak lain (counterparty) dalam memenuhi counterparty’s failure to fulfill their obligations. The
kewajibannya. Risiko kredit yang dikelola oleh credit risk managed by the Company can stem from
Perseroan dapat timbul dari berbagai aktivitas various banking functional activities, such as the risk
fungsional perbankan, seperti risiko yang timbul dari from lending to individual and corporate customers,
penyaluran kredit kepada nasabah perorangan dan funding from treasury and investment activities, and
perusahaan, penyediaan dana dari aktivitas treasury trading activities such as trade financing.
dan investasi, serta aktivitas perdagangan seperti
trade financing.
Pengelolaan risiko kredit senantiasa dilakukan Credit risk management is carried out with the
dengan memperhatikan bahwa setiap ekspansi kredit, understanding that for every credit expansion, the
Perseroan harus mampu mengelola dan memantau Company must manage and monitor credit quality
kualitas kredit sejak saat kredit atau penyediaan dana from the point of lending or funding until repayment.
diberikan sampai dengan pelunasannya mengingat Effective credit management minimises losses and
apabila pengelolaan kredit telah berjalan dengan optimises the use of allocated capital. The credit
baik serta efektif dapat meminimalkan kerugian risk management process involves identification,
dan mengoptimalkan penggunaan modal yang measurement, monitoring, and control as dynamic
dialokasikan. Proses manajemen risiko kredit dimulai activities aimed at reducing the Company’s risk level
dari proses identifikasi, pengukuran, pemantauan dan to within management’s tolerance limits.
pengendalian yang merupakan aktivitas yang dinamis
dalam upaya menurunkan tingkat risiko Perseroan
ke dalam tingkatan batasan yang ditoleransi oleh
manajemen.
Dalam melakukan identifikasi risiko kredit, baik For credit risk identification, individually or at the
secara individual maupun portofolio, Perseroan portfolio level, the Company considers factors
mempertimbangkan faktor yang berpotensi memiliki potentially impacting credit risk, including economic
dampak terhadap risiko kredit antara lain kondisi conditions, interest rates, global commodity prices,
ekonomi, suku bunga, harga komoditi dunia, kinerja financial performance, the debtor’s repayment ability,
keuangan, kemampuan membayar debitur, prospek business prospects, and more. These factors also
usaha debitur dan lain sebagainya. Dampak dari inform the Company’s stress testing simulations of
faktor-faktor tersebut juga digunakan oleh Perseroan credit risk exposure under worst-case scenarios.
untuk melakukan simulasi perburukan eksposur
risiko kredit dalam kondisi terburuk (stress testing).
Perseroan mengukur risiko kredit dengan beberapa Credit risk is measured using parameters that
parameter memperhatikan karakteristik dan consider the characteristics and complexity of
kompleksitas dari jenis transaksi yang terekspos transactions exposed to credit risk. These include
risiko kredit antara lain aset per akun neraca, balance sheet assets per account, debtor repayment
ketepatan membayar debitur (days past due), kredit timeliness (days past due), low-quality credit, credit
kualitas rendah, konsentrasi kredit berdasarkan concentration based on lending to core debtor/groups
pemberian kredit kepada debitur/group debitur inti and large exposures, business segments, economic
dan debitur besar (large exposure), segmen bisnis, and industry sectors, geographic or regional, portfolio
sektor ekonomi dan sektor usaha, geografis atau categories, collateral adequacy, funding quality,
wilayah, kategori portofolio, kecukupan agunan, indirect exposures, adequacy of allowance, and more.
kualitas penyediaan dana, eksposur tidak langsung,
kecukupan pencadangan dan lain sebagainya.
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MANAJEMEN RISIKO
Risk Management
Risiko kredit dipantau secara berkesinambungan Credit risk is continuously monitored as part of an
sebagai bagian dari proses bisnis yang berkelanjutan ongoing business process, maintaining prudence and
dengan tetap mempertahankan prinsip kehati-hatian regulatory compliance. As part of active management
serta regulasi yang berlaku. Sebagai bagian dari oversight on credit risk, the Company forms executive
pengawasan aktif manajemen terhadap risiko kredit, committees at the Board of Commissioners and
Perseroan membentuk komite eksekutif, baik di Directors level. Information shared includes portfolio
tingkat Dewan Komisaris maupun Direksi. Informasi movements, credit concentration, and critical data for
yang disampaikan antara lain pergerakan portofolio, performance monitoring.
konsentrasi kredit, dan informasi penting yang
diperlukan untuk memantau kinerja.
Pemantauan atas batas kredit juga dilakukan Credit limit monitoring includes monitoring credit
termasuk di dalamnya antara lain pemantauan risiko- concentration risks such as Legal Lending Limit (LLL),
risiko konsentrasi kredit seperti Batas Maksimum large exposures, core debtors, business segmentation,
Pemberian Kredit (BMPK), eksposur besar (large country risk, and economic sectors, as well as
exposure), debitur inti, segmentasi bisnis, risiko monitoring Risk-Weighted Assets (RWA) for credit risk
negara (country risk), serta sektor ekonomi maupun and its impact on the Company’s capital.
pemantauan atas Aktiva Tertimbang Menurut Risiko
(ATMR) untuk risiko kredit dan dampaknya terhadap
modal Perseroan.
Perseroan juga membentuk komite di level The Company has also established transaction-
transaksional yaitu Komite Kredit yang bertanggung level committees, such as the Credit Committee,
jawab untuk memberikan keputusan persetujuan responsible for making credit approval decisions. To
kredit. Dalam rangka mengurangi risiko dalam mitigate lending risks, the primary factor in evaluating
pemberian kredit, faktor utama yang digunakan prospective debtors is the first way out approach,
dalam evaluasi calon debitur adalah menggunakan evaluating the debtor’s ability and willingness to repay
pendekatan first way out, di mana dilakukan evaluasi the loan.
atas kemampuan dan kesanggupan debitur dalam
mengembalikan pinjaman.
Di samping itu, adanya agunan yang merupakan Collateral, as a risk mitigation alternative and part
alternatif mitigasi risiko sebagai bagian dari second of the second way out, plays a significant role in
way out juga turut berperan penting dalam upaya reducing credit repayment risks. Credit decision-
mengurangi risiko pengembalian kredit. Pengambilan making always considers the 5C’s of prospective
keputusan kredit senantiasa memperhatikan faktor debtors: Character, Capacity, Capital, Collateral, and
5C calon debitur yang meliputi Character, Capacity, Condition of Economic. The Risk Management Unit
Capital, Collateral, dan Condition of Economic. (SKMR) monitors credit risk exposure at the portfolio
Satuan Kerja Manajemen Risiko (SKMR) melakukan level, supported by debtor-level monitoring by Credit
pemantauan eksposur risiko kredit secara portofolio Control, while the four eyes principle in credit analysis
dan didukung oleh pemantauan secara per debitur is performed by units responsible for Credit Reviewer/
oleh Credit Control, sementara fungsi four eyes Credit Analyst.
principle dalam analisa kredit dilakukan oleh unit
yang membidangi Credit Reviewer/Credit Analyst.
Pemantauan atas ketepatan waktu pembayaran Regular timely payment monitoring includes an
secara rutin dilakukan berupa proses early alert early alert process to ensure potential credit quality
untuk memastikan potensi melemahnya kualitas deterioration is identified early, and preventive actions
kredit dapat diidentifikasi sejak awal dan langsung are taken as soon as possible. If a debtor continues
dilakukan tindakan pencegahan sedini mungkin. to struggle in meeting their obligations despite
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TATA KELOLA PERUSAHAAN
Corporate Governance
MANAJEMEN RISIKO
Risk Management
Dalam hal telah dilakukan upaya pencegahan preventive efforts, the unit responsible for managing
secara maksimal, namun debitur tetap mengalami non-performing loans undertakes intensive and
kesulitan dalam memenuhi kewajibannya terhadap effective delinquency resolution or credit restructuring
Perseroan, maka penanganannya dilakukan oleh unit to maintain a low non-performing loan ratio.
yang membidangi penanganan kredit bermasalah
yang melakukan fungsi penyelesaian tunggakan
atau restrukturisasi kredit secara intensif dan efektif
sehingga diharapkan rasio kredit bermasalah dapat
senantiasa ditekan.
Sepanjang tahun 2023, Perseroan telah melakukan Throughout 2023, the Company has calculated the
perhitungan Cadangan Kerugian Penurunan Nilai Allowance for Impairment Losses (CKPN). Definitions
(CKPN). Definisi tagihan yang mengalami penurunan of impaired claims/impairments, explanations on
nilai/impairment, penjelasan mengenai pendekatan approaches for forming individual and collective CKPN,
yang digunakan untuk pembentukan Cadangan and the methodology used in CKPN calculations are
Kerugian Penurunan Nilai (CKPN) individual maupun outlined in the Company’s PSAK 71 Implementation
kolektif, serta metodologi yang digunakan dalam Guidelines.
perhitungan CKPN tertuang dalam Pedoman
Penerapan PSAK 71 perseroan.
Bank menerapkan pendekatan standar (Standardized The Bank adopts the Standardized Approach in
Approach) dalam perhitungan Aset Tertimbang calculating Risk-Weighted Assets (RWA) for Credit
Menurut Risiko (ATMR) untuk Risiko Kredit, sesuai Risk, in accordance with OJK regulations. This includes
dengan ketentuan OJK. Dalam hal ini adalah provisions for ratings, portfolio categories using
termasuk ketentuan peringkat, kategori portofolio ratings, rating agencies employed, and types of Credit
yang menggunakan peringkat, lembaga pemeringkat Risk mitigation instruments used in RWA calculations,
yang digunakan, serta jenis instrumen mitigasi among others, tailored to the Bank’s characteristics
Risiko Kredit yang digunakan dalam perhitungan and conditions.
ATMR dan lain sebagainya yang disesuaikan dengan
karakteristik dan kondisi Bank.
Kebijakan, Prosedur, dan Penetapan Limit [GRI 2-13] Policies, Procedures, and Limit Setting [GRI 2-13]
Pengelolaan risiko kredit didukung dengan kebijakan Credit risk management is supported by written
dan pedoman tertulis terkait kegiatan perkreditan yang policies and guidelines related to credit activities,
antara lain mengatur proses inisiasi kredit, prosedur which regulate the credit initiation process, credit
analisa kredit, persetujuan kredit, pencatatan, analysis procedures, credit approval, recording,
dokumentasi kredit, pengawasan kredit, penanganan credit documentation, credit supervision, handling
kredit bermasalah, restrukturisasi kredit, kewenangan of non-performing loans, credit restructuring, write-
hapus buku dan hapus tagih. Kebijakan perkreditan off authorities, and collection policies. These lending
menjadi pedoman dalam pelaksanaan proses kredit policies serve as guidelines for the implementation
di mana secara operasional selanjutnya dijabarkan di of the credit process, operationally detailed further in
dalam prosedur/guidance yang lebih detail sebagai more specific procedures/guidance as a guide for the
panduan Perseroan dalam memberikan kredit agar Company in providing credit while always applying the
selalu menerapkan prinsip kehati-hatian. principle of prudence.
Kegiatan perkreditan juga didukung dengan ketentuan Credit activities are also supported by the provision of
pendelegasian kewenangan pemberian keputusan delegated authority for making credit decisions, serving
kredit yang menjadi pedoman pelaksanaan bagi as an execution guideline for executives involved in
pejabat yang terkait didalam fungsi perkreditan the credit function to decide on loans. Authority limits
dalam memutuskan pinjaman. Limit kewenangan are delegated to specific individuals, considering the
didelegasikan kepada individu tertentu dengan
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mempertimbangkan tingkat risiko kredit, kinerja level of credit risk, individual performance, collateral,
individu, jaminan, integritas serta pengalaman yang integrity, and experience.
bersangkutan.
Untuk menjaga agar eksposur risiko kredit sesuai To ensure credit risk exposure aligns with the risk
dengan risk appetite, Bank menetapkan batasan appetite, the Bank sets limits, including limits for
(limit), antara lain meliputi limit untuk kewenangan credit decision-making authority adjusted to decision-
pengambilan keputusan kredit yang disesuaikan making competence and risk level. Additionally, the
dengan kompetensi pengambilan keputusan dan Company diversifies credit risk exposure by setting
tingkat risikonya. Selain itu, Perseroan melakukan maximum exposure limits based on industry sectors
diversifikasi eksposur risiko kredit dengan menetapkan and diversifying loans across various business
batas maksimum eksposur berdasarkan sektor segments and regions in an effort to monitor and
industri dan diversifikasi pinjaman pada berbagai manage credit portfolio concentration.
segmen bisnis maupun wilayah dalam upaya untuk
memantau dan mengelola konsentrasi portofolio
kredit.
Agunan Collateral
Dalam pemberian kredit harus berpedoman pada In lending, it’s essential to adhere to the principles
asas perkreditan yang sehat, termasuk tetapi tidak of healthy lending, including but not limited to the
terbatas pada syarat penilaian dan kewajaran nilai requirements for assessing and appraising the fair
agunan. Agunan sebagai second way out juga harus value of collateral. Collateral, serving as a second way
diperhatikan untuk mengurangi risiko kredit. Agunan out, must be carefully considered to reduce credit risk.
yang dapat diterima Perseroan adalah agunan yang The collateral accepted by the Company includes
diperbolehkan secara ketentuan Perseroan dan those permitted under the Company’s regulations and
mengacu pada ketentuan eksternal yang berlaku, refers to applicable external provisions, primarily cash
utamanya adalah agunan tunai dan agunan non collateral and non-cash collateral such as property,
tunai berupa properti, kendaraan, mesin, dan agunan vehicles, machinery, and other assets.
lainnya.
Ketentuan mengenai jenis agunan utama yang The regulations regarding the types of primary
diterima, proses untuk menilai dan mengelola collateral accepted, the process for assessing and
agunan, pihak-pihak utama pemberi jaminan/garansi managing collateral, the main parties providing
dan kelayakan kredit (creditworthiness) dari pihak- guarantees/warranties, and the creditworthiness of
pihak tersebut tertuang dalam kebijakan perkreditan these parties are detailed in the Company’s lending
Perseroan. policy.
Counterparty Credit Risk Counterparty Credit Risk
Risiko kredit counterparty dari aktivitas treasury The counterparty credit risk from treasury activities is
diawasi secara ketat dan secara aktif dikelola untuk closely monitored and actively managed to protect the
melindungi Perseroan dari kemungkinan kerugian Company from potential losses should a counterparty
jika counterparty mengalami default. Pemberian default. Credit limits for counterparties are set for each
limit kredit counterparty ditetapkan untuk setiap counterparty following a credit risk assessment that
counterparty dengan mengikuti penilaian risiko kredit includes the type of transactions, the counterparty’s
terhadap counterparty antara lain jenis transaksi, rating, parent company and group exposure,
peringkat counterparty, perusahaan induk dan grup asset quality, capitalization, and financial profile.
eksposur, kualitas aktiva, permodalan serta profil Counterparty risk exposure is monitored through
keuangan. Eksposur risiko counterparty dipantau independent supervision to ensure that the exposure
melalui pengawasan independen untuk memastikan remains within the established limit boundaries.
bahwa eksposur yang timbul masih dalam batasan
limit yang ditetapkan.
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Risk Management
Beberapa indikator penting terkait dengan Several key indicators related to the implementation
pelaksanaan aktivitas perkreditan, antara lain sebagai of credit activities include the following:
berikut:
• Tidak terdapat pelanggaran dan pelampauan • There were no violations and exceedances of the
BMPK selama tahun 2023. Legal Lending Limit (LLL) during 2023.
• Kualitas aktiva yang baik, di mana NPL gross dan • Good asset quality, where the gross and net
net sampai dengan akhir Desember 2023 adalah NPLs as of the end of December 2023 were 0.51%
masing-masing sebesar 0.51% dan 0.40% dengan and 0.40%, respectively, with the formation of
pembentukan Cadangan Kerugian Penurunan an adequate Allowance for Impairment Losses
Nilai (CKPN) kredit yang memadai, sejalan dengan (CKPN) on credit, in line with the principle of
prinsip kehati-hatian dalam aktivitas penyaluran prudence in funding activities.
dana.
• Pemantauan pinjaman khususnya terkait jumlah • Special loan monitoring, especially related to the
hari tertunggak (days past due) secara lebih number of days past due, is conducted earlier
dini dan berkala, sehingga deteksi atas kredit and periodically, allowing for earlier detection
bermasalah dapat dilakukan lebih awal untuk of problematic loans to be handled quickly and
kemudian ditangani secara cepat dan tepat. accurately.
• Sebagai bagian dari pengendalian risiko • As part of concentration risk control, the
konsentrasi, maka sebaran eksposur pinjaman distribution of loan exposures is managed to avoid
dijaga agar tidak terjadi konsentrasi dan excessive concentration and clustering in certain
pengelompokan yang berlebihan pada sektor economic sectors or borrowers or large borrower
ekonomi maupun debitur atau grup debitur besar groups.
tertentu.
• Perseroan menerapkan pendekatan standar • The Company applies the Standardized Approach
(Standardized Approach) dalam perhitungan Aset in calculating Risk-Weighted Assets (RWA) for
Tertimbang Menurut Risiko (ATMR) untuk Risiko Credit Risk, in accordance with OJK regulations.
Kredit, sesuai dengan ketentuan OJK.
RISIKO PASAR MARKET RISK
Manajemen risiko pasar meliputi pengelolaan dan Market risk management encompasses the oversight
pengawasan semua risiko yang dihadapi Bank and management of all risks the Bank encounters
akibat dari pergerakan dari faktor pasar (suku bunga due to movements in market factors (interest rates
dan nilai tukar). Risiko pasar terjadi akibat adanya and exchange rates). Market risk arises from adverse
pergerakan variabel pasar berupa suku bunga dan movements in market variables, such as interest
nilai tukar yang bergerak berlawanan dengan (adverse rates and exchange rates, which move contrary to
movement) dari portofolio yang dimiliki Perseroan. the Company’s portfolio holdings. This risk is present
Risiko pasar antara lain terdapat pada aktivitas in the Company’s functional activities, including
fungsional Perseroan seperti kegiatan Treasury dan Treasury operations and investments in securities and
investasi dalam bentuk surat berharga dan pasar money markets.
uang.
Di sisi lain risiko pasar juga dapat timbul dari aktivitas Additionally, market risk can stem from funding
pendanaan dan penyaluran dana akibat perubahan activities and fund distribution due to changes in the
komposisi neraca perusahaan (balance sheet) yang company’s balance sheet composition, impacting
dapat berdampak kepada pendapatan bunga bersih net interest income and the company’s value, known
maupun nilai perusahaan yang dikenal sebagai risiko as interest rate risk in the banking book. To maximise
suku bunga di banking book. Guna memaksimalkan returns while considering the arising risks, the Bank’s
tingkat imbal hasil dengan memperhatikan risiko securities portfolio is allocated based on third-party
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yang timbul, maka portofolio surat berharga Bank funds and company capital as part of overall balance
dialokasikan berdasarkan sumber dari dana pihak sheet management.
ketiga maupun dari modal perusahaan sebagai
bagian dari pengelolaan neraca (balance sheet)
secara keseluruhan.
Pengelolaan dan pemantauan oleh Direksi terkait The Board of Directors manages and monitors market
risiko pasar baik untuk posisi trading dan banking risk for both trading and banking book positions
book dilakukan melalui Komite Aset dan Liabilitas through the Asset and Liability Committee (ALCO),
(ALCO) yang secara aktif terlibat dalam perencanaan, actively involved in planning, approving, reviewing, and
persetujuan, peninjauan kembali dan pengkajian assessing all market risks.
seluruh risiko pasar.
Dalam melakukan aktivitasnya, eksposur risiko The Company’s risk exposures are continually
Perseroan yang timbul senantiasa dipantau dan monitored to ensure they remain within the corridors
dipastikan masih berada di dalam koridor batasan of established risk appetite and risk tolerance. These
risk appetite dan risk tolerance yang telah ditetapkan. limits are further detailed into operational limits such
Batasan tersebut kemudian dijabarkan dalam bentuk as market risk limits including Portfolio Limit, Dealer
limit-limit yang bersifat operasional berupa limit- Limit, Trigger Loss, Tenor Limit, Minimum Holding,
limit risiko pasar seperti Portfolio Limit, Dealer Limit, Sensitivity, Net Open Position (NOP), among others, to
Trigger Loss, Tenor Limit, Minimum Holding, Sensitivity, ensure that the arising market risk exposure can be
Net Open Position (NOP) dan lain sebagainya, guna absorbed by the existing capital level.
memastikan besarnya eksposur risiko pasar yang
timbul masih dapat diserap oleh tingkat permodalan
yang ada.
Manajemen risiko pasar dilakukan dengan Market risk management applies the principle of
menerapkan prinsip segregation of duties, dimana segregation of duties, separating front end (Treasury
terdapat pemisahan antara fungsi front end (Treasury Group), middle end (Risk Middle Office), and back end
Group), middle end (Risk Middle Office) dan back end (Treasury Back Office) functions. Independent units
(Treasury Back Office). Pemantauan eksposur risiko like the Market and Liquidity Risk unit, overseeing the
dan kepatuhan terhadap limit-limit risiko dilakukan Risk Middle Office under the Market, Liquidity, and
oleh unit independen yaitu unit Market and Liquidity Integrated Risk Management Division, monitor risk
Risk yang juga membawahi fungsi Risk Middle Office exposure and compliance with risk limits, separate
di bawah organisasi Divisi Market, Liquidity, and from the Treasury Front Office functions. The Treasury
Integrated Risk Management yang terpisah dari fungsi Back Office unit handles bookkeeping and settlement
Treasury Front Office. Sedangkan proses aktivitas of Treasury transactions.
pembukuan dan penyelesaian (settlement) transaksi
Treasury dilakukan oleh unit yang membidangi
Treasury Back Office.
Pengelolaan risiko suku bunga dilakukan terhadap Interest rate risk management covers financial
posisi instrumen keuangan dalam trading book instrument positions in both the trading and banking
maupun banking book. Risiko pasar dalam trading book. Market risk in the trading book is measured
book diukur dengan berbagai metodologi antara lain using various methodologies, including sensitivity
analisa sensitivitas dan penetapan limit-limit seperti analysis and limits setting like portfolio limits and
limit portofolio dan stop loss limit. Sedangkan pada stop-loss limits. In the banking book, interest rate
banking book, risiko suku bunga dikelola dengan risk is managed by analysing Interest Rate Risk in
melakukan analisa Interest Rate Risk in Banking Book the Banking Book (IRRBB) to measure the impact of
(IRRBB). Analisa dilakukan untuk mengukur dampak
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Risk Management
perubahan suku bunga terhadap nilai ekonomis dari interest rate changes on the economic value of equity
ekuitas (economic value of equity) dan mengukur and the Bank’s profitability.
dampak perubahan suku bunga terhadap rentabilitas
(earning) Bank.
Dalam pengelolaan risiko pasar trading book, Bank In trading book market risk management, the
menetapkan prinsip segregation of duties. Terdapat Bank establishes segregation of duties principles,
pemisahan fungsi antara pihak yang melakukan separating transaction execution, recording,
transaksi, yang melakukan pencatatan transaksi, verification, policy-making, procedure setting, and
verifikasi, unit pembuat kebijakan, prosedur dan market risk measurement functions. The Company
penetapan limit serta pengukuran risiko pasar. calculates the Capital Adequacy Ratio (CAR) for
Perseroan melakukan perhitungan Kewajiban market risk using the standard model as part of the
Pemenuhan Modal Minimum (KPMM) untuk risiko CAR calculation according to applicable regulatory
pasar dengan menggunakan model standar sebagai requirements.
komponen perhitungan KPMM sesuai ketentuan
regulator yang berlaku.
Dalam usaha untuk memperoleh imbal hasil yang To achieve optimal returns, the Company’s securities,
optimal maka Surat Berharga yang dimiliki Perseroan in addition to being placed in government and
selain ditempatkan pada surat berharga milik Bank Indonesia securities, are also invested in
Pemerintah dan Bank Indonesia, juga ditempatkan corporate bonds from both state-owned and private
surat berharga korporasi baik BUMN maupun corporations. Corporate bond purchases are carefully
swasta. Pembelian obligasi korporasi senantiasa and selectively made, placed in companies with good
dipertimbangkan secara matang dan selektif yaitu ratings and reputations.
ditempatkan pada perusahaan-perusahaan dengan
peringkat dan reputasi yang baik.
Penempatan surat berharga utamanya dialokasikan Securities placements are primarily categorised into
dalam buku perdagangan (trading), buku tersedia trading books, Available for Sale (AFS), and Held to
untuk dijual (Available for Sale/AFS) dan dimiliki Maturity (HTM) books. Valuations of actively traded
hingga jatuh tempo (Hold to Maturity/HTM). Valuasi securities are conducted daily based on reliable
dilakukan secara harian atas surat berharga yang market price sources, including the Indonesian
aktif diperdagangkan berdasarkan sumber harga Securities Pricing Agency (PHEI), and also consider
pasar yang dapat diandalkan (reliable) antara other reference sources such as Refinitiv and
lain Penilai Harga Efek Indonesia (PHEI) serta Bloomberg. For foreign exchange transactions, rates
mempertimbangkan pula sumber acuan lainnya are obtained from the end-of-day closing rates issued
seperti Refinitiv dan Bloomberg, sedangkan untuk by Bank Indonesia and other credible market sources
transaksi valas sumber diperoleh dari kurs penutupan such as Refinitiv. The implementation of the fair value
akhir hari yang dikeluarkan oleh Bank Indonesia dan assessment process for assets exposed to market
dari sumber-sumber lainya di pasar yang kredibel risk is carried out consistently, always ensuring
seperti Refinitiv dan sebagainya. Penerapan proses compliance with applicable regulations.
penilaian harga wajar aset yang terekspos risiko
pasar dilakukan secara konsisten serta senantiasa
memperhatikan dan memenuhi peraturan yang
berlaku.
Secara umum rasio Posisi Devisa Neto (PDN) Generally, the Net Open Position (NOP) ratio to the
terhadap modal Perseroan adalah minimal. Company’s capital is minimal. Market risk exposure
Eksposur risiko pasar yang timbul dari posisi valuta from foreign exchange positions is maintained at
asing (valas) senantiasa dijaga pada tingkat posisi minimal open positions (square), mainly to meet
terbuka yang minimal (square) dan utamanya hanya customer needs (customer accommodation),
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untuk memenuhi kebutuhan nasabah (customer avoiding significant risk exposure due to foreign
accomodation). Strategi ini mengakibatkan Perseroan currency fluctuations. In monitoring global and
terhindar dari paparan risiko yang signifikan akibat domestic economic conditions, the Risk Management
fluktuasi kurs mata uang asing. Dalam memantau and Credit Policy Committee and ALCO meetings in
kondisi perekonomian global maupun dalam negeri 2023 were held monthly.
maka pelaksanaan rapat Komite Manajemen Risiko
dan Kebijakan Perkreditan serta ALCO selama tahun
2023 telah diadakan rutin secara bulanan.
RISIKO LIKUIDITAS LIQUIDITY RISK
Risiko likuiditas berhubungan dengan kerugian Liquidity risk is associated with losses that arise
yang timbul disebabkan karena Perseroan tidak because the Company is unable to meet its
mampu memenuhi kewajibannya pada saat jatuh obligations when they come due, including obligations
tempo yaitu kepada deposan, investor dan kreditur, to depositors, investors, and creditors, which may
yang diantaranya disebabkan keterbatasan akses result from limited access to funding or the inability
pendanaan atau ketidakmampuan untuk melikuidasi to liquidate assets at a fair price. Managing liquidity
aset yang dimiliki dengan harga yang wajar. risk is one of the most crucial activities undertaken
Pengelolaan risiko likuiditas merupakan salah satu by the Company. The aim of managing liquidity risk
aktivitas terpenting yang dilakukan oleh Perseroan. is to minimize the possibility that the Company will be
Pengelolaan risiko likuiditas ini bertujuan untuk unable to secure funding sources for cash flow.
meminimalkan kemungkinan ketidakmampuan
Perseroan dalam memperoleh sumber pendanaan
arus kas.
Pengelolaan dan pemantauan oleh Direksi terkait The Board of Directors manages and monitors liquidity
risiko likuiditas dilaksanakan melalui Komite Aset risk through the Asset and Liability Committee (ALCO),
dan Liabilitas (ALCO) yang secara aktif terlibat dalam which is actively involved in planning, approving,
perencanaan, persetujuan, peninjauan kembali dan reviewing, and assessing all liquidity risks.
pengkajian seluruh risiko likuiditas.
Perseroan senantiasa menjaga likuiditas dengan The Company consistently maintains liquidity by
mempertahankan jumlah aset likuid yang cukup untuk holding a sufficient amount of liquid assets to cover
membayar simpanan para nasabah, dan menjaga customer deposits and ensuring that the amount
agar jumlah kewajiban yang jatuh tempo pada setiap of liabilities due in any given period is within a
periode berada dalam tingkat yang terkendali. Proses controlled level. The liquidity risk monitoring process
pemantauan risiko likuiditas juga memperhatikan also considers the fluctuation behaviour of third-
perilaku fluktuasi dana pihak ketiga, yang berguna party funds, useful in measuring liquidity risk under
dalam pengukuran risiko likuiditas dengan asumsi both normal and worst-case scenarios, allowing
kondisi normal maupun terburuk (worst), sehingga for accurate planning and simulation for projected
rencana dan simulasi penanganan atas kondisi yang conditions.
diproyeksikan terjadi dapat dilakukan secara tepat.
Sepanjang tahun 2023, fungsi pengelolaan risiko Throughout 2023, the liquidity risk management
likuiditas dilakukan melalui Komite Aset dan Liabilitas function was carried out through the Asset and Liability
(ALCO) yang mengadakan pertemuan secara rutin Committee (ALCO), which meets regularly (monthly).
(bulanan). ALCO berfungsi untuk mengelola dan ALCO’s role is to manage and monitor the structure
memonitor struktur aktiva dan kewajiban, likuiditas of assets and liabilities, liquidity, and formulate the
serta membuat strategi pendanaan dan pricing Bank. Bank’s funding and pricing strategies.
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Pemantauan likuiditas Perseroan dilakukan secara Company liquidity is regularly monitored, including
berkala dimana pemantauan tersebut mencakup liquid asset ratios, Third-Party Funds (TPF)
rasio-rasio aset likuid, konsentrasi Dana Pihak Ketiga concentration, dependency on large depositors,
(DPK), ketergantungan pada deposan besar, profil maturity profiles of assets and liabilities, evaluation of
jatuh tempo aset dan kewajiban (maturity profile), borrowing capacity from counterparties, compliance
evaluasi atas kapasitas peminjaman dari pihak with Minimum Compulsory Reserve (GWM), the
lawan (borrowing capacity), pemenuhan Giro Wajib composition of loans compared to third-party funds,
Minimum (GWM), komposisi pinjaman dibandingkan asset maturities, core/non-core third-party funds, and
dengan dana pihak ketiga, jangka waktu aset, core/ more. The Bank has implemented an Early Warning
non-core dana pihak ketiga dan lain sebagainya. Bank System (EWS) for daily monitoring as part of the early
telah memiliki pemantauan Early Warning System detection of declines in liquidity risk indicators.
(EWS) yang dilakukan secara harian sebagai bagian
dari deteksi dini atas penurunan indikator-indikator
risiko likuiditas.
Perseroan juga telah memiliki ketentuan yang The Company also has provisions for a Contingency
mengatur tentang Rencana Penanganan Pendanaan Funding Plan (CFP) to handle funding in emergency
dalam kondisi darurat yang dikenal sebagai situations. The CFP includes policies, strategies,
Contingency Funding Plan (CFP). Contingency Funding procedures, and action plans to ensure the Company
Plan (CFP) mencakup kebijakan, strategi, prosedur can obtain necessary funding in a timely manner at a
dan rencana tindak (action plan) untuk memastikan reasonable cost.
kemampuan Perseroan dalam memperoleh sumber
pendanaan yang diperlukan secara tepat waktu
dengan biaya yang wajar.
Pemantauan risiko likuiditas yang dilakukan Bank liquidity risk monitoring takes into account early
Bank memperhatikan indikator peringatan dini warning indicators to identify potential increases in
untuk mengetahui potensi peningkatan risiko, risk, setting and monitoring risk limits while considering
penetapan dan pemantauan limit risiko dengan how quickly an asset can be converted to cash or cash
turut mempertimbangkan seberapa cepat suatu equivalents and the composition of the Company’s
aset dapat dijadikan kas atau setara kas maupun assets and liabilities. When risks emerge, selecting
komposisi dari aset dan kewajiban Perseroan. the appropriate method to address them depends on
Ketika risiko muncul, pemilihan metode yang tepat the risk level, the funding capability for each currency,
dalam mengatasinya tergantung pada tingkat risiko, and the response speed of the responsible unit in
kemampuan pendanaan untuk setiap mata uang, obtaining funding to tackle the crisis.
kecepatan unit yang bertanggung jawab dalam
memperoleh pendanaan dalam mengatasi krisis.
Dalam pengelolaan risiko likuiditas yang antara lain In managing liquidity risk, which includes scenarios
disebabkan Bank tidak mampu memenuhi kewajiban where the Bank is unable to meet obligations to
kepada nasabah atau counterparty yang telah jatuh customers or counterparties when due, the Bank
waktu. Beberapa strategi yang dilakukan Bank untuk adopts several strategies to anticipate such situations,
mengantisipasi hal tersebut adalah antara lain: including:
a. Melakukan portofolio investasi ke arah instrumen a. Investing the portfolio towards more liquid
yang lebih likuid. instruments.
b. Meningkatkan efektivitas pengelolaan gap b. Enhancing the effectiveness of liquidity gap
likuiditas (maturity gap, proyeksi cash flow) untuk management (maturity gap, cash flow projections)
mengantisipasi risiko likuiditas sedini mungkin. to anticipate liquidity risk as early as possible.
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c. Memastikan adanya sebaran dana yang c. Ensuring a diversified funding spread by limiting
terdiversifikasi secara memadai dengan concentration to large funds, thereby reducing the
membatasi konsentrasi kepada dana besar potential risk of dependence on large funds.
sehingga mengurangi adanya potensi risiko
ketergantungan pada dana besar.
d. Meningkatkan kerjasama dengan bank lain d. Increasing cooperation with other banks to utilize
agar dapat memanfaatkan fasilitas Call Money Call Money facilities and Securities Repurchase
maupun Repo Surat Berharga dengan mekanisme (Repo) agreements under a Global Master Repo
perjanjian Global Master Repo Agreement (GMRA). Agreement (GMRA) mechanism.
RISIKO OPERASIONAL OPERATIONAL RISK
Risiko operasional adalah risiko akibat Operational risk is resulting from inadequacies and/
ketidakcukupan dan/atau tidak berfungsinya proses or the malfunctioning of internal processes, human
internal, kesalahan manusia, kegagalan sistem, errors, system failures, and/or external events that
dan/atau adanya kejadian-kejadian eksternal yang affect the Company’s operations. Operational risk
mempengaruhi operasional Perseroan. Risiko is one of the significant risks for the Company as it
operasional merupakan salah satu risiko yang penting can impact other risks and has a wide range of risk
bagi Perseroan karena dapat menimbulkan dampak dimensions.
pada risiko-risiko lainnya dan memiliki dimensi risiko
yang luas cakupannya.
Risiko operasional tersebut kemudian diklasifikasikan These operational risks are further classified based
lebih lanjut lagi berdasarkan beberapa jenis kejadian on several types of operational risk events, including:
risiko operasional yang meliputi: fraud internal, fraud internal fraud, external fraud, employment practices
eksternal, Praktik ketenagakerjaan dan keamanan and workplace safety, clients, products, and business
tempat bekerja, Klien, produk dan praktik bisnis, practices, damage to physical assets, business
kerusakan pada aset fisik, gangguan aktivitas disruption and system failures, as well as execution,
bisnis dan kegagalan sistem, serta Manajemen delivery, and process management. This includes
pelaksanaan, pengiriman, dan pemrosesan, fraud arising from money laundering and terrorist
termasuk fraud yang timbul akibat aktivitas financing activities, cyber fraud, misuse of personal
pencucian uang dan pendanaan terorisme, fraud data, and bribery. The primary goal of the Company in
siber, penyalahgunaan data pribadi, dan penyuapan. managing operational risk is to minimize the negative
Tujuan utama Perseroan dalam pengelolaan risiko impact of process dysfunctions as mentioned above.
operasional adalah meminimalkan dampak negatif
dari tidak berfungsinya proses sebagaimana tersebut
diatas.
Adapun penerapan proses manajemen risiko The implementation of the operational risk
operasional adalah meliputi aspek-aspek management process includes the aspects described
sebagaimana dijelaskan di bawah ini: below:
• Perseroan telah memiliki kebijakan pengelolaan • The Company has established policies for
risiko operasional, pengelolaan risiko produk operational risk management, management of
Bank baru termasuk ketentuan mengenai anti- new Bank product risks including provisions on
fraud serta Kebijakan Ketahanan dan Keamanan anti-fraud, and Policies on Resilience and Cyber
Siber. Kebijakan dan/atau Prosedur tersebut Security. These policies and/or procedures also
juga mengatur pengelolaan risiko operasional regulate the management of operational risk
melalui beberapa pendekatan dan tools seperti through various approaches and tools such
pencatatan dan pelaporan kejadian kerugian atau as recording and reporting of loss events or
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insiden risiko operasional termasuk Near Miss, Risk operational risk incidents including Near Miss,
Control Self Asessment (RCSA), Key Risk Indicator Risk Control Self-Assessment (RCSA), Key
(KRI), dan Cyber Security Risk Assessment and Risk Indicator (KRI), and Cyber Security Risk
Architecture System (CRAAS) khusus untuk Assessment and Architecture System (CRAAS)
penilaian risiko siber. specifically for cyber risk assessment.
• Perseroan telah merealisasikan beberapa produk • The Company has launched several new Bank
Bank baru dan melakukan pengembangan atas products and developed existing products in
produk sejalan dengan strategi perseroan untuk line with the Company’s strategy to strengthen
memperkuat bisnis digital guna mendukung the digital business to support the increase of
peningkatan pendapatan Perseroan. Setiap the Company’s revenue. Each plan/proposal for
rencana/pengajuan peluncuran produk Bank baru launching new Bank products or their development
maupun pengembangannya wajib mendapatkan must first receive a recommendation from the
rekomendasi terlebih dahulu dari Komite Produk Product Committee for comprehensive evaluation,
untuk dilakukan evaluasi secara komprehensif considering not only business feasibility but also
dengan memperhatikan tidak hanya dari sisi potential risk factors and how they are controlled.
kelayakan bisnis namun juga faktor-faktor
risiko yang berpotensi timbul dan bagaimana
pengendaliannya.
• Adapun langkah-langkah yang dilakukan meliputi • Steps taken include the risk identification process
proses identifikasi risiko atas produk, mengukur for products, measuring and controlling potential
dan mengendalikan risiko yang berpotensi terjadi risks, including ensuring operational readiness
termasuk memastikan kesiapan operasi sebelum before the Bank products are launched such as
produk Bank diluncurkan seperti masa uji coba trial periods for risk measurement and monitoring
metode pengukuran dan pemantauan risiko, methods, system and infrastructure readiness,
kesiapan sistem dan infrastruktur, kecukupan adequacy of security aspects, adequacy of policies
aspek pengamanan, kecukupan kebijakan dan and procedures, compliance with accounting, legal,
prosedur, pemenuhan atas aspek akuntansi, taxation aspects, transparency of information
hukum, perpajakan, transparansi informasi to customers, and applicable regulations and
kepada nasabah, peraturan dan perundang- legislation.
undangan yang berlaku.
Disamping itu, secara periodik dilakukan kaji Additionally, performance/productivity reviews
ulang terhadap kinerja/produktivitas yang telah of launched products are conducted periodically.
diluncurkan. Perseroan melakukan proses piloting The Company undertakes a piloting process for
program atas usulan produk-produk tertentu certain product proposals according to regulatory
sesuai ketentuan regulator. Keseluruhan proses provisions. The overall process aims to minimize
ini bertujuan untuk meminimalisir dampak risiko risk impacts that could disrupt the Company’s
yang dapat mengganggu keberlangsungan operational continuity.
operasional Perseroan.
• Dalam pengelolaan risiko operasional mengingat • In managing operational risk, considering its broad
cakupan dan skalanya yang luas, sebagaimana scope and scale, similar to the management
pengelolaan atas eksposur risiko-risiko lainnya, of other risk exposures, to ensure risk control
guna memastikan efektivitas pengendalian risiko, effectiveness, the Company uses a 3 Lines of
maka Perseroan menggunakan pendekatan Defense approach in the risk management
3 Lini Pertahanan (3 lines of defense) dalam process where the first line of defense is attributed
proses manajemen risiko dimana lini pertahanan to business units, operational units, and support
pertama disandarkan kepada unit kerja bisnis dan units. The Risk Management Unit, Cyber Resilience
unit kerja operation maupun unit support. Unit and Security Unit, and Compliance act as the
Kerja Risk Management, Unit Kerja Ketahanan second line of defense, while the unit responsible
dan Keamanan Siber dan Compliance berperan for Internal Audit serves as the third line of defense.
sebagai lini pertahanan kedua, sedangkan unit
yang membidangi Internal Audit berperan sebagai
lini pertahanan ketiga.
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• Lini pertahanan pertama sebagai pihak yang • The first line of defense, being the party directly
berhadapan langsung dengan risiko bertanggung facing the risks, is responsible for ensuring that
jawab untuk memastikan bahwa telah dilakukan first-level risk control processes are conducted.
proses pengendalian risiko di tingkat pertama. Lini The second line of defense is an independent
pertahanan kedua merupakan lini independen line that supports the first line of defense units
yang mendukung unit kerja pada lini pertahanan by monitoring risk management. The third line
pertama dengan melakukan pemantauan of defense is independent of the above two lines,
atas pengelolaan risiko. Lini pertahanan ketiga responsible for ensuring that the operational risk
merupakan lini independen dari kedua lini management processes carried out by the first
pertahanan tersebut diatas yang bertanggung and second lines have been effective.
jawab untuk memastikan bahwa proses
pengelolaan risiko operasional yang dilakukan
oleh lini pertahanan pertama dan kedua telah
berjalan dengan efektif.
• Struktur organisasi Bank senantiasa dikinikan • The Bank’s organizational structure is continuously
dengan memperhatikan strategi bisnis, designed with consideration to business strategy,
kecukupan, dan kualitas sumber daya manusia adequacy, and quality of human resources as
maupun pemisahan tugas dan wewenang dari well as the separation of duties and authority of
masing-masing fungsi. Guna meningkatkan each function. To enhance the control process
proses pengendalian dan budaya manajemen and operational risk management culture, the
risiko operasional, Perseroan telah membentuk Company has established an organizational
fungsi organisasi yaitu Designated Operational Risk function called the Designated Operational Risk
Officer (DORO) yang bertindak sebagai manajer Officer (DORO) who acts as an operational risk
risiko operasional dengan melakukan fungsi manager by performing monitoring and reporting
pemantauan dan pelaporan hasil pengelolaan functions of operational risk management in
risiko operasional di Wilayah/Area/Group/Divisi specific Regions/Areas/Groups/Divisions.
tertentu.
DORO memiliki jalur pelaporan ganda yaitu secara DORO has a dual reporting line, directly to the
garis langsung kepada pimpinan unit bisnis, business, operations, or support unit leaders, and
operasi (operation) atau pendukung (support) a dotted (matrix) line to the Risk Management
dan garis putus-putus (matriks) ke Satuan Kerja Unit. Furthermore, the Company has established
Manajemen Risiko. Selain itu Perseroan telah a Cyber Resilience and Security unit overseeing
membentuk unit kerja Ketahanan dan Keamanan the management and control of cyber risk and
siber yang membawahi upaya pengelolaan dan personal data protection.
pengendalian atas risiko siber dan perlindungan
data pribadi.
• Tata kelola perusahaan merupakan aspek penting • Corporate governance is an essential aspect of
dalam pengelolaan risiko operasional. Tata operational risk management. Operational risk
kelola risiko operasional menggambarkan dan governance illustrates and explains the distribution
menjabarkan pembagian peran dan tanggung of roles and responsibilities, reporting flows, and
jawab, alur pelaporan serta pengawasan dalam supervision in the management of operational risk
pengelolaan risiko operasional di Perseroan. at the Company. In relation to the implementation
Dalam kaitannya dengan penerapan tata kelola of good governance and to support the creation
yang baik dan guna mendukung terciptanya of healthy business growth, the Company has
pertumbuhan bisnis yang sehat, maka Perseroan specifically established committees that perform
telah secara khusus membentuk komite-komite operational risk control, including the Information
yang melakukan pengendalian risiko operasional Technology Steering Committee, Change Advisory
yang meliputi Komite Pengarah Teknologi Board (CAB), and New Bank Product Committee.
Informasi, Change Advisory Board (CAB) dan
Komite Produk Bank Baru.
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• Manajemen sumber daya manusia (SDM) adalah • Human resource (HR) management is always a
senantiasa menjadi perhatian dari manajemen focus of the Company’s management. In terms of
Perseroan. Dalam kaitan pengelolaan risiko, risk management, the company recognizes that
perusahaan menyadari bahwa karyawan employees are a very valuable company asset,
merupakan aset perusahaan yang sangat so efforts to improve employee competence
berharga, sehingga upaya peningkatan and quality are inseparable from the part of
kompetensi dan kualitas karyawan tidak lepas risk control efforts carried out through training,
dari bagian dari upaya mengendalikan risiko yang recruitment, competence enhancement through
dilakukan melalui proses pelatihan, rekrutmen, certification according to the professional field
peningkatan kompetensi melalui sertifikasi pursued as well as risk management certification
sesuai bidang profesi yang ditekuninya maupun conducted continuously according to the duties,
sertifikasi manajemen risiko yang dilakukan responsibilities, and levels of each employee.
secara berkesinambungan sesuai dengan tugas, Human resource development also always
tanggung jawab dan jenjang masing-masing considers business developments, the level of
karyawan. Pengembangan sumber daya manusia competition, and rapidly advancing technology.
juga senantiasa memperhatikan perkembangan
bisnis, tingkat persaingan dan teknologi yang
melaju cepat.
• Budaya manajemen risiko untuk risiko operasional • The risk management culture for operational risk
telah diinternalisasikan dengan baik ke seluruh has been well internalized across all levels of the
level organisasi meliputi proses dual control organization, including dual control processes
di Kantor Cabang dan Kantor Kas, sosialisasi at Branch Offices and Cash Offices, operational
kesadaran terhadap risiko operasional dilakukan risk awareness socialization through training and
melalui pelatihan dan email blast, pelatihan APU email blasts, APU PPT PPPSPM training, Know Your
PPT PPPSPM, Know Your Employee (KYE) dan Employee (KYE), and anti-fraud implementation
strategi penerapan anti-fraud (fraud awareness), strategies (fraud awareness), including fraud
termasuk fraud yang disebabkan oleh kejahatan caused by cybercrime to all staff and Bank officials
siber kepada semua staf dan pejabat Bank secara continuously.
berkelanjutan.
• Strategi perusahaan terkait pencegahan • The company’s strategy regarding the prevention
penyebaran dan penularan virus COVID-19 pada of the spread and transmission of the COVID-19
masa transisi menuju kondisi masa endemi virus during the transition to endemic conditions
adalah tetap melanjutkan pemberlakuan continues to enforce health protocols, mandatory
protokol kesehatan, kewajiban test COVID-19 COVID-19 testing for symptomatic employees
bagi karyawan yang bergejala dan kontak erat and close contacts of confirmed cases. Since
dari kasus terkonfirmasi. Dikarenakan sudah the discontinuation of PPKM (Public Activity
diberhentikannya PPKM di seluruh wilayah Restrictions) throughout Indonesia, all employees
Indonesia maka seluruh karyawan telah have been implemented full Work from Office
diberlakukan full Work from Office (WFO). Pada (WFO). On June 21, 2023, the government through
tanggal 21 Juni 2023 pemerintah melalui Keputusan Presidential Decree (Keppres) No. 17 of 2023
Presiden (Keppres) Nomor 17 Tahun 2023 telah has declared the COVID-19 pandemic over
menetapkan status pandemi Covid-19 telah and changed the factual status of COVID-19 to
berakhir dan mengubah status faktual Covid-19 endemic in Indonesia. The adjustment process
menjadi endemi di Indonesia. Proses penyesuaian towards endemic conditions is always monitored
menuju kondisi endemi ini senantiasa dipantau by Bank management under the coordination of
pihak manajemen Bank dibawah koordinasi Crisis the Crisis Control Center (CCC).
Control Center (CCC).
• Teknologi informasi dan infrastruktur pendukung • Information technology and supporting
diterapkan dengan senantiasa memperhatikan infrastructure are implemented with constant
aspek keamanan (security) dan senantiasa attention to security aspects, and continuous
dilakukan peningkatan kapasitas, penyempurnaan capacity enhancement, refinement, or
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atau pengembangan secara terus menerus development in line with changes and
sejalan dengan perubahan dan perkembangan developments in the Company’s business. This
bisnis Perseroan, baik dalam bisnis yang selama applies to both the core business of the Company
ini sudah menjadi bisnis inti Perseroan maupun and the new business trends being developed,
tren bisnis baru yang sedang dikembangkan yaitu such as financial technology services and digital
kepada layanan teknologi finansial dan digital banking.
banking.
• Hal yang sama juga diterapkan pada • The same approach is applied to the development
pengembangan sistem dan aplikasi yang of systems and applications used to manage
digunakan untuk mengelola data nasabah, customer data, products, activities, or for reporting
produk, aktivitas maupun untuk tujuan pelaporan purposes to regulators. To ensure the effective
ke regulator. Guna memastikan penerapan implementation of Information Technology
Manajemen Risiko Teknologi Informasi (MRTI) Risk Management (ITRM), the Company has
dapat berjalan dengan efektif, maka Perseroan established an organization overseeing IT
telah membentuk organisasi yang membawahi governance.
tata kelola TI (IT Governance).
• Dalam upaya memastikan proses bisnis • In efforts to ensure business processes continue
tetap berjalan dalam situasi apapun, maka performing in any situation, the Company
secara berkala Perseroan melakukan proses regularly conducts data maintenance and security
pemeliharaan dan pengamanan data, termasuk processes, including business continuity testing
dilakukannya proses pengujian kelangsungan in the event of system or operational disruptions.
bisnis dalam kondisi gangguan sistem maupun Thus, it’s expected that any business disruptions
operasional, sehingga diharapkan setiap and external events that affect the security of the
gangguan bisnis dan kejadian eksternal yang system and Company operations can be quickly
mengganggu keamanan sistem dan operasional recovered and properly handled according to set
Perseroan dapat segera pulih dan ditangani targets.
dengan baik sesuai target yang ditetapkan.
• Sepanjang tahun 2023, Perseroan telah melakukan • Throughout 2023, the Company has made
berbagai penyempurnaan kebijakan dan prosedur, various improvements to policies and procedures,
pengembangan aktivitas bisnis, sumber daya business activities, human resources, information
manusia, teknologi informasi dan infrastruktur technology, and supporting infrastructure. The
pendukung. Perseroan senantiasa melakukan Company continuously monitors operational
pemantauan terhadap risiko operasional yang risks through recording, reporting, and action
terjadi melalui proses pencatatan, pelaporan, plans for risk events using tools such as incident
dan rencana aksi atas kejadian risiko melalui reports, Operational Risk Loss Event Database,
perangkat-perangkat (tools) seperti melalui Risk Control Self-Assessment (RCSA), Key Risk
laporan insiden (incident report), Kerugian Risiko Indicator (KRI), and other risks reported by the Risk
Operasional (Loss Event Database), Risk Control Taking Unit (RTU) regularly.
Self-Assessment (RCSA), Key Risk Indicator (KRI),
dan maupun risiko lainnya yang disampaikan/
dilaporkan oleh Risk Taking Unit (RTU) secara
berkala.
Informasi dan analisa atas profil risiko operasional Information and analysis of the operational risk
dilaporkan kepada Manajemen secara berkala. profile are reported to Management regularly. The
Bank senantiasa melakukan pengembangan Bank is continually developing these operational
alat pengukuran manajemen risiko operasional risk management measurement tools, including
tersebut, termasuk untuk risiko-risiko yang sifatnya for specific risks like IT risk, fraud risk, including
spesifik seperti risiko IT, risiko fraud, dalam hal ini cyber risk, personal data misuse risk, and bribery
termasuk risiko siber, risiko penyalahgunaan data risk, so that operational risk exposures can be
pribadi dan risiko bribery (penyuapan), sehingga detected earlier.
diharapkan eksposur risiko operasional dapat
dideteksi lebih dini.
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• Perseroan menerapkan pendekatan standar • The Company applies the Standardized Approach
(Standardized Approach) dalam perhitungan Aset in calculating Risk-Weighted Assets (RWA)
Tertimbang Menurut Risiko (ATMR) untuk Risiko for Operational Risk, in accordance with OJK
Operasional, sesuai dengan ketentuan OJK. regulations.
RISIKO HUKUM LEGAL RISK
Risiko Hukum adalah risiko yang disebabkan oleh Legal risk is caused by shortcomings in juridical
adanya kelemahan aspek yuridis, yang antara lain aspects, which may arise from legal claims,
disebabkan adanya tuntutan hukum, ketiadaan the absence of supportive laws or regulation, or
peraturan perundang-undangan yang mendukung, weaknesses in contractual obligations.
atau kelemahan perikatan.
Penerapan Manajemen Risiko Hukum pada The implementation of Legal Risk Management is
dasarnya sudah melekat pada setiap aktivitas bisnis inherently a part of daily business activities and an
sehari-hari yang juga merupakan bagian yang tidak inseparable component of the Company’s overall risk
terpisahkan atas pengelolaan risiko Perseroan secara management, considering the impact on Legal Risk is
keseluruhan, mengingat dampak kepada Risiko inseparable from other accompanying risks such as
Hukum tidak terlepas dari adanya risiko lain yang Operational Risk, fraud, Reputation Risk, Credit Risk,
menyertainya seperti timbulnya Risiko Operasional and so forth.
maupun fraud, Risiko Reputasi, Risiko Kredit dan lain
sebagainya.
Pengelolaan Risiko Hukum untuk melindungi Legal Risk Management aims to protect the Company
Perseroan dari kemungkinan kerugian sebagai akibat from potential losses resulting from taking risk
dari pengambilan eksposur risiko yang melampaui exposures beyond the Legal Risk tolerance limits that
batasan toleransi Risiko Hukum yang dapat the Company can bear.
ditanggung oleh Perseroan.
Unit Legal masing-masing menjalankan tugas dan Each Legal Unit carries out its duties and
tanggung jawab dalam mendukung terlaksananya responsibilities to support the effective implementation
manajemen risiko secara efektif sesuai dengan of risk management according to their authority and
wewenang dan tanggung jawab dan berfungsi functions properly. Within the legal function, there are
sebagaimana mestinya. Dalam fungsi legal telah units with roles such as Legal Review, Corporate Legal,
terdapat unit-unit kerja yang memiliki fungsi sebagai Legal Advisory and Consultation, Case Handling,
fungsi kajian Hukum, Corporate Legal, fungsi and Legal Document Administration. The division
Pemberian Advis Hukum dan Konsultasi, fungsi and separation of functions into several units aim to
Penanganan Perkara, serta Fungsi Administrasi enhance the effectiveness of legal risk management.
Dokumen Hukum. Pembagian dan pemisahan fungsi-
fungsi dalam beberapa unit kerja diharapkan dapat
meningkatkan efektivitas pengelolaan risiko hukum.
Dalam hal ini, Perseroan melalui unit Legal bersama In this regard, the Company, through the Legal Unit
dengan unit lainnya yang terkait senantiasa berupaya with other related units, consistently strives to monitor
memantau atau mengurangi risiko hukum yang or mitigate possible legal risks through the orderly
mungkin timbul melalui proses pengadministrasian and adequate administration of legal documentation,
dokumentasi hukum yang tertib dan memadai, paying attention to the completeness and validity
memperhatikan kelengkapan dan keabsahan of documentation related to law and observing
dokumentasi yang berkaitan dengan hukum serta applicable regulations, especially banking provisions.
memperhatikan peraturan/ketentuan yang berlaku
khususnya ketentuan perbankan.
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Penerapan Manajemen Risiko Hukum adalah The implementation of Legal Risk Management
meliputi aspek-aspek berikut ini: encompasses the following aspects:
• Sepanjang tahun 2023, tidak terdapat • Throughout 2023, there were no material legal
permasalahan hukum yang material yang dapat issues that could disrupt the Company’s activities
mengganggu aktivitas dan bisnis Perseroan. and business.
• Unit Legal melakukan review setiap klausul • The Legal Unit conducts a review of every clause
perjanjian dan telah sesuai dengan persyaratan in agreements to ensure compliance with the
yang telah disepakati. Legal Counsel konsisten agreed-upon requirements. Legal Counsel is
diminta untuk mengkaji ulang (review) atas consistently requested to review agreements to
perjanjian untuk meminimalkan terjadinya Risiko minimize the occurrence of Legal Risk in meeting
Hukum dalam memenuhi kebutuhan evaluasi the needs for legal issue evaluation and handling
atas permasalahan hukum dan penanganan complex cases.
perkara yang kompleks.
• Proses identifikasi Risiko Hukum diawali dengan • The process of identifying Legal Risk begins with
(i) proses identifikasi Risiko Hukum atas sebuah (i) identifying Legal Risks in a transaction, (ii)
transaksi, (ii) penelaahan atas ketentuan/ reviewing existing and related legal regulations, (iii)
peraturan perundang-undangan yang ada serta considering business needs and best practices,
terkait, (iii) kebutuhan bisnis dan best practice, (iv) (iv) drawing on experience based on legal issues or
pengalaman berdasarkan permasalahan hukum cases external to the Bank.
yang dialami/perkara diluar Bank.
• Proses pengukuran Risiko Hukum dilakukan • The process of measuring Legal Risk involves
dengan memetakan potensi kejadian risiko mapping potential risk events through impact
melalui dampak kerugian, frekuensi risiko hukum, assessment, frequency of legal risks, assessment
hasil penilaian, pelaksanaan penilaian dan control results, implementation of assessments, and
testing. control testing.
• Pemantauan Risiko Hukum dilakukan dengan cara • Monitoring Legal Risk is carried out by periodically
pemantauan proses administrasi secara periodik, monitoring the administrative process,
menetapkan standar administrasi hukum yang establishing good legal administration standards,
baik, pemantauan proses kerja di unit legal (maker monitoring work processes in the legal unit (maker
dan checker), serta updating ketentuan baru. and checker), and updating new regulations.
• Pengendalian Risiko Hukum dilakukan secara • Controlling Legal Risk is performed consistently
konsisten sesuai dengan tingkat risiko. according to the risk level.
RISIKO STRATEJIK STRATEGIC RISK
Risiko Stratejik adalah risiko yang diakibatkan Strategic Risk is caused by inappropriate
oleh adanya penetapan dan pelaksanaan strategi establishment and implementation of the Company’s
Perseroan yang tidak tepat maupun pengambilan strategies or the Company’s business decision-
keputusan bisnis Perseroan yang kurang responsif making being less responsive to external changes.
terhadap perubahan eksternal.
Manajemen risiko stratejik dilakukan untuk mengatasi Strategic risk management is carried out to address
berbagai risiko yang mungkin timbul dari penetapan various risks that may arise from inadequate strategy
serta implementasi strategi yang kurang memadai setting and implementation, ensuring the Company’s
sehingga target rencana bisnis Perseroan dapat business plan targets are achieved. The achievement
tercapai. Pencapaian target rencana bisnis Perseroan of the Company’s business plan targets is the main
menjadi tolok ukur utama dalam penilaian kualitas criterion in assessing the quality of Strategic Risk
penerapan manajemen Risiko Stratejik. Untuk itu, Management implementation. Therefore, the Board of
Direksi berfokus pada pemenuhan target-target Directors focuses on meeting the financial and non-
keuangan dan non keuangan yang tertuang dalam financial targets outlined in the Bank’s business plan.
rencana bisnis Bank.
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Dewan Komisaris turut melakukan fungsi pengawasan The Board of Commissioners also performs a
melalui saran dan arahan tentang berbagai hal yang supervisory function through advice and guidance on
menjadi faktor utama pemenuhan target tersebut. various factors that are key to meeting those targets.
Pemantauan atas kinerja perusahaan khususnya Monitoring the company’s performance, especially
upaya-upaya untuk meningkatkan profitabilitas dan efforts to increase profitability and return on assets
rentabilitas perusahaan melalui pengelolaan asset and liabilities, is regularly carried out in the Asset and
dan liabilities secara berkala telah dilaksanakan Liability Committee (ALCO).
dalam Komite Aset dan Liabilitas (ALCO).
Penerapan Manajemen Risiko Stratejik adalah The implementation of Strategic Risk Management
meliputi aspek-aspek berikut ini: includes the following aspects:
• Mitigasi risiko stratejik yang dikelola oleh • The Company manages strategic risk mitigation
Perseroan dengan menetapkan sasaran jangka by setting short and medium-term objectives.
pendek dan menengah. Sepanjang tahun 2023, Throughout 2023, the Company continuously
Perseroan senantiasa mempertimbangkan considered external and internal factors evident
faktor-faktor eksternal dan internal yang nampak from the set macro and micro assumptions to
dari asumsi-asumsi makro dan mikro yang align with common practices in the industry.
ditetapkan agar sejalan dengan praktik umum The formulation of the Bank’s Business Plan is
dalam industri. Perumusan Rencana Bisnis Bank carried out periodically (annually) by the Board of
dilaksanakan secara berkala (tahunan) oleh Directors and other senior management, taking
Direksi berikut jajaran senior manajemen lainnya into account existing assumptions, and business
dengan memperhatikan asumsi-asumsi yang target revisions may be made along the way if
ada, dan dapat dilakukan revisi target bisnis dalam there are significant changes in the business
perjalanannya sekiranya terdapat perubahan environment affecting the Company’s strategy.
yang signifikan atas lingkungan bisnis yang
mempengaruhi strategi Perseroan.
• Di tengah ketidakpastian ekonomi, Perseroan • Amid economic uncertainty, the Company
menjaga kualitas rentabilitas dengan menggali maintains profitability quality by exploring potential
potensi pendapatan dari berbagai sumber fee- income from various fee-based income sources
based income dan melakukan langkah efisiensi and implementing operational cost-efficiency
biaya operasional. measures.
• Strategi Perseroan secara umum, antara lain • The Company’s general strategy includes
menjaga spread antara biaya bunga dari funding maintaining the spread between the interest cost
dengan hasil bunga pada sisi lending, menggali of funding and the interest yield on the lending side,
berbagai potensi fee-based income sekaligus exploring various fee-based income potentials
mendorong langkah-langkah efisiensi biaya yang while pushing for cost-efficiency measures that
masih dapat ditekan. Di sisi penyaluran kredit, can still be optimized. In terms of credit distribution,
Bank masih melanjutkan strategi penyaluran the Bank continues a prudent loan disbursement
kredit yang prudent, antara lain lewat penerimaan strategy, including accepting restructuring from
restrukturisasi atas Debitur existing, selektif pada existing Debtors, being selective in new loan
pengajuan kredit baru terutama pada sektor- applications, especially in economic sectors that
sektor ekonomi yang menjadi kekuatan Bank. Hal are the Bank’s strengths. This is part of the steps
ini merupakan sebagian langkah yang diambil taken by the Company to maintain credit growth
Perseroan untuk menjaga pertumbuhan kredit and interest income.
dan pendapatan bunga.
• Kinerja Perseroan sepanjang tahun 2023 terbilang • The Company’s performance throughout 2023 has
baik. Di antara pesaing dengan ukuran yang sama been commendable. Among peers of the same
(peer group), Perseroan memiliki keunggulan size, the Company has competitive advantages,
kompetitif, seperti tingkat permodalan yang kuat such as a strong capital level to support the
dalam mendukung bisnis Perseroan, jaringan Company’s business, a wide office network, and
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MANAJEMEN RISIKO
Risk Management
kantor yang luas, dan sebaran produk yang cukup a sufficiently varied product distribution up to
bervariasi hingga pada layanan kanal elektronik electronic channel (e-channel) services, such
(e-channel), seperti internet banking, mobile as internet banking, mobile banking, e-money,
banking, e-money, ATM, dan virtual account. ATMs, and virtual accounts. As the business
Seiring perkembangan dan pertumbuhan usaha, develops and grows, the Company updates its
Perseroan melakukan pengkinian struktur organizational structure to align with the Bank’s
organisasinya agar mampu sejalan dengan strategic plans and the need for effective and
rencana strategis Bank dan kebutuhan koordinasi efficient organizational coordination.
organisasi yang efektif dan efisien.
• Perseroan melakukan sosialisasi, pembahasan, • The Company conducts socialization, discussion,
dan evaluasi atas pencapaian rencana bisnis and evaluation of the Bank’s business plan
Bank secara berkala untuk meningkatkan achievements regularly to improve the quality
kualitas pencapaian pada periode berikutnya. of achievement in the following period. Reports
Laporan realisasi pelaksanaan rencana bisnis on the realization of the Bank’s business plan
Bank senantiasa disusun secara berkala sesuai implementation are compiled regularly according
ketentuan yang berlaku dan disampaikan kepada to applicable regulations and submitted to
regulator secara tepat waktu. regulators in a timely manner.
• Sistem informasi manajemen risiko stratejik Bank • The Bank’s strategic risk management information
dilakukan melalui laporan rencana bisnis Bank, system is conducted through the Bank’s business
laporan realisasi rencana bisnis Bank. plan reports, reports on the realization of the
Bank’s business plan.
RISIKO KEPATUHAN COMPLIANCE RISK
Risiko Kepatuhan adalah risiko yang timbul akibat The risk associated with a bank’s failure to comply
Bank tidak mematuhi dan/atau tidak melaksanakan with and/or implement legal requirements, such as
ketentuan peraturan perundang-undangan seperti those pertaining to the Minimum Capital Adequacy
Kewajiban Pemenuhan Modal Minimum (KPMM), Requirement (CAR), Maximum Lending Limit
Batas Maksimum Pemberian Kredit (BMPK), rasio Non (LLL), Non-Performing Loan (NPL) ratio, Net Open
Performing Loan (NPL), rasio Posisi Devisa Neto (PDN), Position (NOP) ratio, Statutory Reserve Ratio (GWM),
rasio Giro Wajib Minimum (GWM), Rasio Pembiayaan Macroprudential Inclusive Financing Ratio (RPIM),
Inklusif Makroprudensial (RPIM), Pinjaman Luar Foreign Loans (PLN), capital adequacy provisions,
Negeri (PLN), ketentuan tingkat pemenuhan modal, Anti-Money Laundering Program Implementation,
ketentuan Penerapan Program Anti Pencucian Uang, Terrorism Financing Prevention and Weapons of Mass
Pencegahan Pendanaan Terorisme dan Pencegahan Destruction Proliferation Financing Prevention (AML
Pendanaan Proliferasi Senjata Pemusnah Massal CFT & PPPSPM) provisions, among other stipulations.
(APU PPT & PPPSPM), maupun ketentuan-ketentuan
lainnya.
Dalam melaksanakan fungsi kepatuhan, Perseroan In carrying out the compliance function, the Company
telah memiliki Direktur yang membawahkan Fungsi has a Director overseeing the Compliance Function
Kepatuhan dan membentuk Satuan Kerja Kepatuhan and has established a Compliance Unit (SKK). The
(SKK). Fungsi Kepatuhan Bank telah menjalankan Bank’s Compliance Function has implemented
tindakan atau langkah-langkah yang bersifat preventif preventive (ex-ante) actions or measures to ensure
(ex-ante) untuk memastikan bahwa kebijakan, that policies, regulations, systems, and procedures, as
ketentuan, sistem, dan prosedur, serta kegiatan well as business activities carried out by the Bank, are
usaha yang dilakukan oleh Bank telah sesuai dengan in accordance with the Financial Services Authority
ketentuan Otoritas Jasa Keuangan dan ketentuan regulations and relevant laws.
peraturan perundang-undangan.
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TATA KELOLA PERUSAHAAN
Corporate Governance
MANAJEMEN RISIKO
Risk Management
Pengelolaan fungsi kepatuhan meliputi tindakan The management of the compliance function
untuk mewujudkan terlaksananya Budaya Kepatuhan includes actions to realize the implementation of
di semua Unit Kerja sehingga pengelolaan kepatuhan a Compliance Culture in all Work Units, making
menjadi salah satu bentuk disiplin pada setiap compliance management a form of discipline in every
aktivitas Perseroan, memastikan kepatuhan Bank Company activity, ensuring the Bank’s compliance
terhadap komitmen yang dibuat oleh Bank kepada with commitments made by the Bank to the Financial
Otoritas Jasa Keuangan dan/atau otoritas pengawas Services Authority and/or other relevant supervisory
lain yang berwenang. Selain itu, Bank senantiasa authorities. In addition, the Bank consistently
melaksanakan program APU PPT & PPPSPM yang carries out AML CFT & PPPSPM programs related
berhubungan dengan laporan kepada Regulator, to reporting to Regulators, conducts socialization/
melakukan sosialisasi/training terkait penerapan training related to the implementation of AML, CFT
APU, PPT & PPPSPM, mengelola sistem whistle & PPPSPM, manages a whistle-blowing system, and
blowing serta pemantauan secara berkala atas regularly monitors the application of good corporate
penerapan tata kelola perusahaan yang baik sesuai governance in accordance with the latest regulations.
dengan ketentuan terkini.
Penerapan Manajemen Risiko Kepatuhan adalah The implementation of Compliance Risk Management
meliputi aspek-aspek berikut ini: includes the following aspects:
• Bank senantiasa mematuhi ketentuan dan • The Bank consistently adheres to laws and
peraturan perundang-undangan sehingga Bank regulations, hence having no tolerance for
tidak memiliki toleransi atas Risiko Kepatuhan. Compliance Risk. The Bank has established a Risk
Bank telah memiliki Komite Manajemen Risiko Management and Credit Policy Committee and a
dan Kebijakan Perkreditan dan Komite Pemantau Risk Monitoring Committee (RMC).
Risiko (KPR).
• Dewan Komisaris, Direksi beserta jajarannya • The Board of Commissioners, Directors, and
memiliki awareness dan pemahaman yang their executives have good awareness and
baik mengenai Manajemen Risiko Kepatuhan. understanding of Compliance Risk Management.
Pelaksanaan tugas Direksi dan Dewan The performance of the Directors and the Board
Komisaris dalam pengendalian risiko kepatuhan of Commissioners in controlling compliance
adalah baik dan memadai. Dewan Komisaris risk is adequate and effective. The Board of
dan Direksi memantau melalui rapat yang Commissioners and Directors monitor through
diadakan secara berkala, seperti melalui Komite meetings held regularly, such as through the Risk
Pemantau Risiko, Komite Manajemen Risiko dan Monitoring Committee, Risk Management and
Kebijakan Permodalan, Komite Audit, dan Komite Capital Policy Committee, Audit Committee, and
Remunerasi dan Nominasi. Bank telah memiliki Remuneration and Nomination Committee. The
Satuan Kerja Kepatuhan yang independen dan Bank has an independent Compliance Unit, and
budaya kepatuhan telah diinternalisasikan pada a culture of compliance has been internalized at
setiap jenjang organisasi Bank. every organizational level of the Bank.
• Pengelolaan risiko kepatuhan untuk melindungi • Compliance risk management protects the Bank
Bank dari kemungkinan kerugian sebagai akibat from potential losses resulting from taking risk
dari pengambilan eksposur risiko yang melampaui exposures beyond the Bank’s compliance risk
batasan toleransi risiko kepatuhan yang dapat tolerance limits and is adjusted according to
ditanggung oleh Bank dan disesuaikan dengan applicable regulations. Monitoring limits such
ketentuan yang berlaku. Pemantauan batasan- as the Legal Lending Limit (LLL), Net Foreign
batasan seperti Batasan Maksimum Pemberian Exchange Position (PDN), Mandatory Reserve
Kredit (BMPK), Posisi Devisa Netto (PDN), Giro (GWM), Macroprudential Inclusive Financing Ratio
Wajib Minimum (GWM), Rasio Pembiayaan Inklusif (RPIM), Foreign Loans (PLN), Capital Adequacy
Makroprudensial (RPIM), Pinjaman Luar Negeri Ratio (CAR), capital adequacy provisions, and so
(PLN), Kewajiban Penyediaan Modal Minimum on, are continuously monitored according to the
(KPMM), ketentuan tingkat pemenuhan modal existing organizational governance and have been
dan sebagainya, senantiasa dipantau sesuai effectively implemented.
dengan tata kelola organisasi yang ada dan telah
berjalan efektif.
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MANAJEMEN RISIKO
Risk Management
• Budaya Manajemen Risiko untuk Risiko • A strong Compliance Risk Management culture
Kepatuhan kuat dan telah diinternalisasikan has been well internalised at all organisational
dengan baik pada seluruh level organisasi. Satuan levels. The Compliance Unit, as an independent
kerja Kepatuhan sebagai unit yang independen unit, always supports the creation of a compliance
dan senantiasa mendukung terciptanya budaya culture. The Bank has well-implemented
kepatuhan. Bank telah memiliki dan menjalankan policies/procedures related to Governance,
dengan baik kebijakan/prosedur yang berkaitan Risk Management, AML, CFT, and PPPSPM,
dengan pelaksanaan Tata Kelola, Manajemen Compliance, and has refined policies/procedures
Risiko, APU, PPT dan PPPSPM, Kepatuhan serta according to OJK and Bank Indonesia (BI)
menyempurnakan kebijakan/prosedur sesuai regulations for all areas of Compliance Risk
dengan ketentuan OJK dan Bank Indonesia (BI) Management to ensure that its application is
untuk seluruh area Manajemen Risiko Kepatuhan in line with applicable regulatory provisions and
sehingga penerapannya sejalan dengan ketentuan understood by Bank employees. The composition,
regulator yang berlaku dan dipahami oleh pegawai number, and competence of the Board of
Bank. Komposisi, jumlah, kompetensi Dewan Commissioners and Directors, the completeness
Komisaris dan Direksi, kelengkapan Komite of Committees and Internal Control Units have
maupun Satuan Kerja pengendalian intern telah been well-structured.
tertata dengan baik.
• Bank telah melaksanakan penerapan program • The Bank has implemented Anti-Money Laundering
Anti Pencucian Uang (APU), Pencegahan (AML), Counter-Terrorism Financing (CFT), and
Pendanaan Terorisme (PPT) dan Pencegahan Weapons of Mass Destruction Proliferation
Pendanaan Proliferasi Senjata Pemusnah Massal Prevention (PPPSPM) programs, related to
(PPPSPM), yang berhubungan dengan laporan reporting to Regulators, socialization/training
kepada Regulator, sosialisasi/training penerapan on AML, CFT, and PPPSPM implementation, and
APU, PPT dan PPPSPM serta implementasi system information management improvement
penyempurnaan sistem informasi manajemen for AML, CFT, and PPPSPM.
untuk APU, PPT dan PPPSPM.
• Penyampaian laporan kepada PPATK telah • Reporting to the Financial Transaction Reports
disampaikan sebelum batas waktu laporan sesuai and Analysis Center (PPATK) has been submitted
dengan ketentuan perundangan-undangan yang before the reporting deadline according to
berlaku. applicable laws.
• Proses Manajemen Risiko untuk Risiko Kepatuhan • The Risk Management Process for Compliance
memadai dalam mengidentifikasi, mengukur, Risk is adequate in identifying, measuring,
memantau, dan mengendalikan Risiko Kepatuhan. monitoring, and controlling Compliance Risk. The
Penerapan Manajemen Risiko Kepatuhan, implementation of Compliance Risk Management
dilaksanakan dengan memantau ketentuan is carried out by monitoring new provisions from
baru dari Otoritas (OJK, BI, PPATK dan LPS) serta Authorities (OJK, BI, PPATK, and LPS) and socializing
mensosialisasikannya kepada satuan kerja terkait, them to related work units, monitoring the Bank’s
memantau komitmen Bank kepada BI dan OJK commitments to BI and OJK, and following up on
serta menindaklanjuti permintaan informasi dari information requests from Authorities (OJK, BI,
pihak Otoritas (OJK, BI, PPATK, dan lain-lain) dan PPATK, etc.) and reviewing policies, procedures,
mengkaji/me-review kebijakan dan prosedur serta and New Bank Products to comply with Authority
Produk Bank Baru agar sesuai dengan ketentuan regulations (OJK, BI, PPATK, and LPS).
Otoritas (OJK, BI, PPATK, dan LPS).
• Kebijakan dan prosedur yang ditetapkan oleh • Policies and procedures set by Management have
Manajemen telah memperhatikan seluruh taken into account all applicable regulations and
peraturan dan regulasi yang berlaku dan dipahami are well understood by employees.
dengan baik oleh pegawai.
• Pelaksanaan sinergi diantara perangkat - • The execution of synergy among Internal Control
perangkat Sistem Pengendalian Internal (SKAI, System devices (SKAI, SKK, and SKMR) has been
SKK dan SKMR) telah dijalankan melalui conducted through regular meeting mechanisms.
mekanisme penyelenggaraan rapat secara rutin.
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TATA KELOLA PERUSAHAAN
Corporate Governance
MANAJEMEN RISIKO
Risk Management
• Sistem Informasi Manajemen Risiko Kepatuhan • The Compliance Risk Management Information
baik, termasuk pelaporan Risiko Kepatuhan System is good, including Compliance Risk
kepada Direksi dan Dewan Komisaris. Sistem reporting to the Directors and the Board of
informasi manajemen risiko kepatuhan Bank Commissioners. The Bank’s compliance risk
dilaksanakan melalui laporan penilaian sendiri management information system is conducted
(self-assessment), penerapan tata kelola, dan through self-assessment reports, governance
Laporan khusus Direktur Kepatuhan. implementation, and specific reports from the
Compliance Director.
• Sumber daya manusia untuk Satuan Kerja • Human resources for the Compliance Unit
Kepatuhan memadai baik dari sisi kuantitas are adequate both in terms of quantity and
maupun kompetensi. Satuan Kerja Kepatuhan competence. The Compliance Work Unit acts
bertindak independen dan tidak terlibat dalam independently and is not involved in operational
aktivitas operasional. Kuantitas dan kualitas activities. The quantity and quality of human
sumber daya manusia senantiasa diperhatikan resources are constantly considered through
dengan cara pelatihan, sosialisasi dan workshop training, socialization, internal and external Bank
internal maupun eksternal Bank dan sertifikasi workshops, and risk management certification.
manajemen risiko. Fungsi Manajemen Risiko The Risk Management Function for Compliance
untuk Risiko Kepatuhan memiliki tugas dan Risk has clear duties and responsibilities and has
tanggung jawab yang jelas dan telah berjalan been functioning well. Any minor weaknesses can
dengan baik. Sekiranya terdapat kelemahan minor be resolved in normal business activities.
maka dapat diselesaikan pada aktivitas bisnis
normal.
• Pengendalian internal dilakukan oleh unit bisnis • Internal control is performed by business units
maupun unit pendukung (support) dengan and support units, referring to established policies
mengacu pada kebijakan dan prosedur yang and procedures. Internal checks are regularly
telah ditetapkan. Pemeriksaan internal secara performed by SKAI on banking practices from a
berkala dilakukan oleh SKAI terhadap praktik methodology, frequency, and reporting perspective
perbankan dari sisi metodologi, frekuensi, maupun on effectively executed compliance risk aspects,
pelaporannya atas aspek risiko kepatuhan yang and audit results are adequately followed up
dijalankan secara efektif, dan hasil audit tersebut by the related work units and then reported to
ditindaklanjuti oleh unit kerja terkait dengan the Directors and the Board of Commissioners.
memadai untuk kemudian dilaporkan kepada Reviews of the risk control system are conducted
Direksi dan Dewan Komisaris. Kaji ulang terhadap by SKMR and SKAI according to the applicable
sistem pengendalian risiko dilakukan oleh SKMR Risk Management Policy. The Bank conducts
dan SKAI sesuai Kebijakan Manajemen Risiko periodic reviews/reviews of the adequacy of
yang berlaku. Bank melakukan kaji ulang/review policies, procedures, limits, and systems.
secara periodik terhadap kecukupan kebijakan,
prosedur, limit dan sistem yang berlaku.
RISIKO REPUTASI REPUTATION RISK
Risiko reputasi merupakan risiko yang disebabkan Reputation risk is caused by negative publicity related
oleh adanya publikasi negatif yang terkait dengan to the Company’s business activities or negative
kegiatan usaha Perseroan atau persepsi negatif perceptions towards the Company.
terhadap Perseroan.
Seluruh pegawai termasuk unit bisnis sangat All employees, including business units, play a
berperan dalam struktur pengendalian risiko reputasi significant role in the reputation risk control structure,
mengingat risiko reputasi pada dasarnya melekat given that reputation risk is inherently present in every
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MANAJEMEN RISIKO
Risk Management
pada setiap aktivitas dan bisnis Perseroan khususnya activity and business of the Company, especially
karyawan front liner dan yang langsung berhubungan among front-line employees and those directly
dengan nasabah. interacting with customers.
Perseroan memiliki unit kerja yang bertugas untuk The Company has work units tasked with monitoring
melakukan pemantauan atas adanya potensi the potential increase in r eputation risk, including
peningkatan risiko reputasi yaitu antara lain melalui the Corporate Communication Group and Customer
unit yang membidangi Corporate Communication Handling Management Division. Each carries out
Group dan Customer Handling Management Division tasks such as handling customer complaints and
yang masing-masing melakukan tugas berupa anticipating negative media coverage that could
penanganan keluhan nasabah dan antisipasi atas impact the Company’s reputation and managing
pemberitaan negatif di media yang dapat berdampak customer complaints. Reputation risk management is
pada reputasi Perseroan dan penanganan keluhan conducted through synergy and coordination among
nasabah. Pengelolaan risiko reputasi dijalankan all work units across the organization impacted by an
melalui sinergi dan koordinasi diantara setiap unit event that could potentially increase reputation risk.
kerja di seluruh jajaran organisasi yang terdampak
pada suatu kejadian yang berpotensi menimbulkan
peningkatan risiko reputasi.
Penerapan Manajemen Risiko Reputasi antara lain The implementation of Reputation Risk Management
sebagaimana dijelaskan di bawah ini: includes the following aspects:
• Sepanjang tahun 2023, reputasi dan kredibilitas • Throughout 2023, the Company’s reputation and
Perseroan masih dapat terjaga dengan baik di credibility have been well maintained in the public
mata masyarakat. eye.
• Secara umum pemberitaan negatif terkait Bank • Generally, negative publicity related to the Bank
relatif minim dan tidak mengganggu jalannya has been relatively minimal and has not disrupted
kegiatan operasional Perseroan dan masih the Company’s operational activities, and has
mampu ditangani secara memadai oleh berbagai been adequately managed by the various devices
perangkat dan sumber daya yang dimiliki oleh and resources owned by the Company. Generally,
Perseroan. Secara umum tidak terdapat pengaruh there has been no significant negative reputation
reputasi negatif yang signifikan dari pemilik impact from the Company’s owners and related
Perseroan dan Perusahaan terkait terhadap companies on the Company, and the Company
Perseroan dan Perseroan senantiasa memenuhi continuously complies with applicable regulatory
ketentuan regulator yang berlaku. provisions.
• Frekuensi pengaduan nasabah masih • The frequency of customer complaints is still
dikategorikan wajar dan tidak material tercermin considered normal and not material, reflected
dari keluhan yang relatif standar dan masih dapat in relatively standard complaints that can still be
ditangani dengan baik dengan penyelesaian adequately addressed with resolution within a
dalam batas waktu yang singkat, sehingga short timeframe, hence not significantly impacting
tidak berdampak signifikan terhadap reputasi the Company’s reputation.
Perseroan.
• Sistem informasi manajemen risiko reputasi • The Company’s reputation risk management
Perseroan dilakukan melalui evaluasi atas laporan information system is conducted through
pengaduan nasabah dan laporan pemantauan evaluations of customer complaint reports and
pemberitaan media terkait dengan Perseroan. media monitoring reports related to the Company.
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
TANGGUNG
JAWAB SOSIAL
Sosial
Responsibility
Perseroan berkomitmen
penuh untuk menjalankan
proses penyaluran
pembiayaan dengan
memperhitungkan
mitigasi terhadap risiko-
risiko aspek sosial dan
lingkungan demi menjamin
tercapainya pertumbuhan
yang berkualitas sekaligus
tercapainya tujuan-tujuan
keberlanjutan.
The Company is fully committed to
conducting the financing disbursement
process by considering mitigation against
the risks of these social and environmental
aspects to ensure the achievement of
quality growth as well as the achievement of
sustainability goals.
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EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 299
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
IKHTISAR KINERJA KEBERLANJUTAN
Sustainable Performance Highlights
KINERJA EKONOMI [OJK B.1]
Economic Performance
Kredit Diberikan Pendapatan Bunga Bersih Laba Bersih Tahun Berjalan
Loans Net Interest Income Loans Profit for the Year
(Rp Miliar) | (Rp Billion) (Rp Miliar) | (Rp Billion) (Rp Miliar) | (Rp Billion)
16.000 800 35
14.000 700 30
15.237 736
12.000 600
659 25 28,65
12.409
10.000 500
526 20
8.000 9.812 400
15
6.000 300 17,46
10 13,21
4.000 200
2.000 100 5
0 0 0
2021 2022 2023 2021 2022 2023 2021 2022 2023
Total Perolehan Nilai Ekonomi Distribusi Nilai Ekonomi Nilai Ekonomi Ditahan
Total Economic Value Generated Economic Value Distribution Retained Economic Value
(Rp Miliar) | (Rp Billion) (Rp Miliar) | (Rp Billion) (Rp Miliar) | (Rp Billion)
1.800 1.600 300
1.600 1.400
1.654 250
1.400 1.200 1.391 263
1.200 200
1.000
1.000 1.234
1.038 196
800 150
800 1.025 881
600 144
600 100
400
400
200 50
200
0 0 0
2021 2022 2023 2021 2022 2023 2021 2022 2023
Portofolio Kredit UMKM | MSME Loans Portfolio
(Rp Miliar) | (Rp Billion)
Deskripsi | Description 2023* 2022 2021
Portofolio Kredit UMKM | MSME Loans Portfolio 1.666,4 1.537,2 1.071,8
% Portofolio UMKM terhadap Total Kredit | % MSME Portfolio to Total Loans 12,23 % 12,23 % 11,04 %
(*) Posisi Desember 23
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IKHTISAR KINERJA KEBERLANJUTAN
Sustainable Performance Highlights
KINERJA LINGKUNGAN [B. 2]
Environmental Performance
Konsumsi Bahan Bakar Minyak Pemakaian Listrik Total Konsumsi Energi
Fuel Consumption Electricity Consumption Total Energy Consumption
(Gigajoules) (Gigajoules) (Gigajoules)
20.000 18.002 40.002
18.000 16.002 35.002
16.000 18.487
14.002
15.355 30.002 33.842
14.000 12.002 14.396
12.000 25.002
10.002 12.582
10.000 20.002
8.002
8.000 15.002 19.520
6.000 6.002 17.372
10.002
4.000 4.002
4.789 5.124
2.002 5.002
2.000
0 0 0
2021 2022 2023 2021 2022 2023 2021 2022 2023
Cakupan 1 – Emisi Cakupan 2 – Emisi Total Emisi
Scope 1 – Emission Scope 2 – Emission Total Emission
(Ton CO2 eq) (Ton CO2 eq) (Ton CO2 eq)
1.400,0 4.002,0 6.002,0
1.200,0 3.502,0
5.002,0
1.281,0 3.711,4
1.000,0 3.002,0 3.479,7
4.992,4
3.041,3
4.002,0
2.502,0
800,0
2.002,0 3.002,0 3.834,8
600,0 3.373,1
1.502,0
2.002,0
400,0
1.002,0
200,0 355,1
1.002,0
331,9 502,0
0,0 2,0 2,0
2021 2022 2023 2021 2022 2023 2021 2022 2023
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 301
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
IKHTISAR KINERJA KEBERLANJUTAN
Sustainable Performance Highlights
Intensitas Konsumsi Energi Intensitas Emisi Pemakaian Air
Energy Consumption Intensity Emission Intensity Water Consumption
(Gigajoule/M2) (Ton CO2 eq/M2) (M3)
1,8
0,3 450.000
1,6
1,71 400.000
1,4 0,3
350.000 414.536
1,2 0,25
0,2 300.000
1,0 250.000
0,8 0,2 0,18
200.000
0,15
0,6 0,1 150.000 214.485
0,73
0,4 0,63 100.000
0,1
0,2 50.000 101.548
0,0 0,0 0
2021 2022 2023 2021 2022 2023 2021 2022 2023
KINERJA SOSIAL [OJK B.3]
Social Performance
Komposisi Karyawan Menurut Gender
Employee Composition by Gender
2021 2022 2023
57% 53% 52%
1.199 1.192 1.247
42% 47% 48%
Pria Wanita Pria Wanita Pria Wanita
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IKHTISAR KINERJA KEBERLANJUTAN
Sustainable Performance Highlights
Realisasi Pengelolaan SDM
HR Management Realization
Uraian | Description Satuan | Unit 2023 2022 2021
Jumlah Rekrutmen Orang 308 316 289
Total Recruitment Person
Jumlah Peserta Pelatihan Karyawan 1.244 1.172 1.104
Total Training Participants Employee
Rata-rata Jam Pelatihan/Karyawan/Tahun Jam/Karyawan/Tahun 16 16 16
Average Training Hour/Employee/Year Hour/Employee/Year
Realisasi Investasi Sosial Kemasyarakatan
Societal Investment Realization
Uraian | Description Satuan | Unit 2023 2022 2021
Jumlah Kegiatan Paket 3 5 7
Total Activities Package
Total Biaya Rp Juta 220,0 122,0 181,5
Total Costs Rp Million
Rekapitulasi Pengaduan Nasabah
Customer Complaint Recapitulation
Uraian | Description Satuan | Unit 2023 2022 2021
Jumlah Pengaduan Angka 10.892 9.920 5.818
Total Complaint Amount
Jumlah Penyelesaian Angka 10.892 9.920 5.818
Total Settlement Amount
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 303
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
KERANGKA DAN STRATEGI
KEBERLANJUTAN [A.1]
Sustainability Framework and Strategy
Perseroan menjalankan proses penyaluran pembiayaan dengan
memperhitungkan mitigasi risiko-risiko sistemik maupun risiko
sosial dan lingkungan sesuai dengan prinsip keberlanjutan demi
menjamin pertumbuhan yang berkualitas dan demi tercapainya tujuan
keberlanjutan dengan efektif dan efisien.
The Company conducts the financing distribution process by considering
the mitigation of systemic risks as well as social and environmental risks in
accordance with sustainability principles to ensure quality growth and the
effective and efficient achievement of sustainability goals.
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KERANGKA DAN STRATEGI KEBERLANJUTAN
Sustainability Framework and Strategy
KOMITMEN DAN TUJUAN [GRI 2-23, 3-3] COMMITMENT AND OBJECTIVES [GRI 2-23, 3-3]
Sebagai salah satu lembaga keuangan dengan As one of the financial institutions with primary
kegiatan utama melakukan penggalangan dana activities in third-party fundraising and financing for
pihak ketiga dan penyaluran pembiayaan kegiatan expansion and consumer activities of customers, the
ekspansi maupun konsumsi para nasabah, Perseroan Company is fully committed to paying attention to the
berkomitmen penuh untuk memperhatikan kinerja social and environmental performance aspects, in
aspek sosial dan lingkungan, selain aspek ekonomi, addition to economic aspects, given the risks to the
mengingat terdapat risiko bagi reputasi Bank dan Bank’s reputation and environmental damage risks if
risiko kerusakan lingkungan apabila pembiayaan investment financing is carried out without considering
investasi dilakukan dengan mengabaikan kelestarian environmental sustainability and the social conditions
lingkungan dan kondisi sosial masyarakat setempat. of the local community. To that end, the Company
Oleh karenanya Perseroan juga berkomitmen penuh is also fully committed to conducting the financing
untuk menjalankan proses penyaluran pembiayaan disbursement process by considering mitigation
dengan memperhitungkan mitigasi terhadap risiko- against the risks of these social and environmental
risiko aspek sosial dan lingkungan tersebut demi aspects to ensure the achievement of quality growth
menjamin tercapainya pertumbuhan yang berkualitas as well as the achievement of sustainability goals.
sekaligus tercapainya tujuan-tujuan keberlanjutan.
Komitmen Perseroan tersebut selaras dengan The Company’s commitment is in line with the
konsep pembangunan berkelanjutan skala global concept of global-scale sustainable development in
dalam Sustainable Development Goals (SDGs), the Sustainable Development Goals (SDGs), where
dimana program-program pembangunan yang development programs carried out by all UN member
dijalankan oleh seluruh negara anggota PBB kini dan countries today and in the future are required to
ke depan diharuskan senantiasa mengutamakan always prioritize the creation of the greatest possible
terciptanya keseimbangan manfaat yang sebesar- balance of benefits in social aspects, environmental
besarnya pada aspek sosial, terjaganya lingkungan conservation, and guaranteed business growth.
dan terjaminnya pertumbuhan usaha. Bank juga The Bank is also committed to participating in
berkomitmen untuk ikut berpartisipasi mendukung supporting the achievement of these sustainability
pencapaian tujuan keberlanjutan tersebut dengan goals by conducting fundraising activities and fund
menjalankan aktivitas penggalangan dana maupun disbursement by referring to sustainability principles
penyaluran dananya dengan merujuk pada and following and adopting the sustainability
prinsip-prinsip keberlanjutan dan mengikuti serta programs run by the Government and complying with
mengadopsi program keberlanjutan yang dijalankan the laws and regulations enacted to accompany the
Pemerintah serta mematuhi peraturan perundangan implementation of these sustainability programs.
yang diberlakukan mengiringi pelaksanaan program-
program keberlanjutan tersebut.
SASARAN PEMBANGUNAN BERKELANJUTAN SUSTAINABLE DEVELOPMENT GOALS [GRI 3-3]
[GRI 3-3]
Sejak awal tahun 2016, hampir seluruh negara Since the beginning of 2016, nearly all countries that
yang bergabung dalam Perserikatan Bangsa- are members of the United Nations have agreed to
Bangsa telah menyepakati untuk menerapkan implement the concept of Sustainable Development
konsep pembangunan berkelanjutan SDGs dalam Goals (SDGs) in designing their development
merancang program-program pembangunan di programs. The SDGs consist of 17 globally scaled
masing-masing negaranya. SDGs terdiri atas 17 sustainable development goals to be implemented
rumusan tujuan pembangunan berkelanjutan skala over the period from 2016 to 2030, as illustrated in the
global yang akan diterapkan dalam kurun waktu following image.
2016-2030, sebagaimana diilustrasikan pada gambar
berikut.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 305
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
KERANGKA DAN STRATEGI KEBERLANJUTAN
Sustainability Framework and Strategy
Rumusan SDGs atau Paris Agreement dari From the agreements of United Nations member
kesepakatan negara-negara anggota PBB melalui countries through the 21st Conference of Parties
Cooperation of Parties (COP) ke 21 di Paris tersebut, (COP) in Paris, the implementation of these goals is
kemudian dipantau pelaksanaannya melalui monitored through regular meetings coordinated by
pertemuan regular yang dikoordinasikan oleh The The United Nations Framework Convention on Climate
United Nations Framework Convention on Climate Change (UNFCCC). The most recent forum, COP-28,
Change (UNFCCC). Pada forum COP terakhir, was held from November 28 to December 12, 2023, in
yakni COP-28 diselenggarakan mulai 28 November Dubai – United Arab Emirates, with the main outcome
– 12 Desember 2023, di Dubai – Uni Emirat Arab, being an agreement to accelerate the implementation
dengan hasil utama dicapainya kesepakatan untuk of replacing fossil fuel energy sources, which are seen
mempercepat implementasi penggantian sumber as a major cause of increasingly intense extreme
energi fosil yang ditengarai menjadi penyebab utama weather phenomena in various regions.
semakin intensifnya gejala cuaca ekstrem di berbagai
kawasan.
Sebagai bentuk komitmen terhadap pencapaian As a commitment to achieving these goals, the
tujuan tersebut Pemerintah Indonesia telah Indonesian Government has launched a National
mencanangkan Rencana Aksi Nasional (GRK), Action Plan (GRK), coordinated by the National
di bawah koordinasi Badan Perencanaan Development Planning Agency (Bappenas), to ensure
Pembangunan Nasional (Bappenas), untuk the success of the GRK emission reduction program
memastikan keberhasilan program penurunan emisi by up to 29% independently and 41% with global
GRK hingga sebesar 29% dengan usaha sendiri dan community support by the end of 2030, compared to
41% jika mendapatkan dukungan masyarakat global, business-as-usual scenarios. The government has
di akhir tahun 2030 mendatang, dibandingkan dengan also issued Financial Services Authority Regulation
kondisi bisnis seperti biasanya. Pemerintah kemudian No. 51/POJK.03/2017 on the Implementation of
menerbitkan Peraturan Otoritas Jasa Keuangan Sustainable Finance for Financial Service Institutions,
No. 51/POJK.03/2017 tentang Penerapan Keuangan Issuers, and Public Companies as one of the efforts to
Berkelanjutan Bagi Lembaga Jasa Keuangan, Emiten, ensure the achievement of these targets.
dan Perusahaan Publik sebagai salah satu upaya
yang ditempuh untuk memastikan pencapaian target
tersebut.
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KERANGKA DAN STRATEGI KEBERLANJUTAN
Sustainability Framework and Strategy
STRATEGI KEBERLANJUTAN [OJK A.1] [GRI 2-22, 2-25] SUSTAINABILITY STRATEGY [OJK A.1] [GRI 2-22, 2-25]
Sebagai Bank yang memiliki visi menjadi bank yang As a bank with a vision to meet global standards,
berstandar global, Perseroan berkomitmen penuh the Company is fully committed to supporting the
untuk mendukung pencapaian tujuan keberlanjutan achievement of sustainability goals in the SDGs
dalam SDGs tersebut dan menerapkan konsep 5P and implements the concept of 5P (people, profit,
(people, profit, planet, peace dan partnership), dengan planet, peace, and partnership), constantly striving
makna, senantiasa berupaya menyeimbangkan to balance performance in three aspects: economic,
kinerja pada ketiga aspek, yakni aspek ekonomi, social, and environmental, while also maintaining
sosial dan lingkungan selain turut menjaga peace by promoting cross-institutional cooperation.
perdamaian dengan mengedepankan Kerjasama The Company is determined to develop and enhance
lintas lembaga. Perseroan bertekad mengembangkan capacity and capabilities in providing high-standard
dan meningkatkan kapasitas dan kapabilitas dalam products and services, including sustainability values,
memberikan produk dan layanan yang berstandar which have now become the standard for service
tinggi, namun juga termasuk nilai-nilai keberlanjutan companies, including banking with regional and
yang saat ini telah menjadi standar bagi perusahaan- global networks.
perusahaan jasa, termasuk perbankan yang telah
memiliki jaringan regional dan global.
Untuk memaksimalkan kinerja dukungan To maximize performance in support of these
pencapaian tujuan keberlanjutan tersebut, sesuai sustainability goals, in line with its capabilities and
dengan kapabilitas dan kompetensinya Perseroan competencies, the Company has formulated a
telah menyusun rencana strategis pengembangan strategic business development plan focusing on its
usaha yang menitik beratkan pada keberpihakannya support for Small and Medium Enterprises (SMEs)
kepada Usaha Kecil dan Menengah (UKM) dalam in the Sustainable Finance Action Plan document,
dokumen Rencana Aksi Keuangan Berkelanjutan which is believed to have a broad positive impact on
yang diyakini akan memberikan dampak positif yang the community, in line with the sustainability goals in
luas bagi masyarakat, yang sejalan dengan tujuan the SDGs.
keberlanjutan dalam SDGs.
PRIORITAS IMPLEMENTASI KEUANGAN SUSTAINABLE FINANCE PRIORITY
BERKELANJUTAN [OJK F.1] IMPLEMENTATION [OJK F.1]
Perseroan menetapkan 3 prioritas implementasi The Company sets three priorities for the
keuangan berkelanjutan sesuai dengan pedoman implementation of sustainable finance according to
teknis POJK No. 51/POJK.03/2017 tentang Penerapan the technical guidelines of POJK No. 51/POJK.03/2017
Keuangan Berkelanjutan Bagi Lembaga Jasa on the Implementation of Sustainable Finance for
Keuangan, Emiten, dan Perusahaan Publik dan Financial Service Institutions, Issuers, and Public
memperhatikan faktor-faktor eksternal dan internal Companies, considering both external and internal
Perseroan. 6 (enam) prioritas implementasi Rencana factors of the Company. The 6 (six) priority of the
Aksi Keuangan Berkelanjutan (RAKB) Perseroan 2021- Company’s Sustainable Finance Action Plan (RAKB)
2025 yang telah disampaikan kepada OJK, yakni: 2021-2025, which have been communicated to the
OJK, are:
1. Pengembangan produk dan/atau jasa Keuangan 1. Development of sustainable finance products
Berkelanjutan, termasuk peningkatan portofolio and/or services, including enhancing financing,
pembiayaan, investasi atau penempatan pada investment, or placements in financial instruments
instrumen keuangan atau proyek yang sejalan or projects aligned with sustainable finance; in this
dengan penerapan Keuangan Berkelanjutan; aspect, the Company:
pada aspek ini, Perseroan:
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
KERANGKA DAN STRATEGI KEBERLANJUTAN
Sustainability Framework and Strategy
a. Memilih produk/jasa yang memenuhi aspek a. Selects products/services that meet
keuangan berkelanjutan. sustainable finance aspects.
b. Melakukan kerjasama dengan mitra strategis b. Engages in strategic partnerships to reach
dalam menjangkau target pengguna produk target users of sustainable financial products
dan jasa keuangan berkelanjutan. and services.
2. Pengembangan kapasitas intern Lembaga Jasa 2. Development of internal capacity of Financial
Keuangan (LJK); pada aspek ini, Perseroan: Service Institutions (FSI); in this aspect, the
a. Menetapkan unit kerja yang mengkoordinir/ Company:
memimpin implementasi keuangan a. Establishes a unit to coordinate/lead the
berkelanjutan. implementation of sustainable finance.
b. Memberikan pelatihan yang diperlukan b. Provides the necessary training to understand
dalam memahami konsep dan implementasi and implement sustainable finance actions.
aksi keuangan berkelanjutan.
3. Penyesuaian organisasi, manajemen risiko, tata 3. Adjustment of the organization, risk management,
kelola, dan/atau standar prosedur operasional governance, and/or standard operating
(standard operating procedure) LJK yang procedures (SOP) of FSI to align with the principles
sesuai dengan prinsip penerapan Keuangan of sustainable finance implementation.
Berkelanjutan.
4. Identifikasi dan klasifikasi aktivitas pembiayaan 4. Identification and classification of sustainable
dan investasi berkelanjutan di Indonesia. financing and investment activities in Indonesia.
5. Implementasi aspek LST ke dalam manajemen 5. Implementation of ESG aspects into risk
risiko dengan tujuan meningkatkan daya tahan management to enhance resilience and mitigate
serta mitigasi risiko lingkungan dan sosial. Hal environmental and social risks, affecting the
ini akan dapat mempengaruhi proses bisnis business processes of lending and fundraising.
pemberian kredit maupun penggalangan dana.
6. Inovasi produk dan layanan keuangan 6. Innovation of sustainable finance products and
berkelanjutan melalui pengembangan skema services through the development of innovative
inovatif pembiayaan/pendanaan proyek financing/funding schemes for sustainable
berkelanjutan. projects.
Tujuan prioritas ini adalah meningkatkan kualitas The objective of these priorities is to enhance the
penerapan keuangan berkelanjutan dimana quality of sustainable finance implementation, where
Perseroan akan mengkaji perlunya penyesuaian the Company will review the need for adjustments
organisasi, manajemen risiko dan tata kelola, in organization, risk management, and governance,
dan menerapkan hasil kajian tersebut untuk and implement the findings to gradually achieve the
dapat secara bertahap mencapai tujuan keuangan desired sustainable finance goals.
berkelanjutan yang diinginkan.
PERMASALAHAN PADA PENERAPAN KEUANGAN ISSUES IN IMPLEMENTING SUSTAINABLE
BERKELANJUTAN [OJK E5] FINANCE [OJK E5]
Perseroan telah mengidentifikasi berbagai The Company has identified various fundamental
permasalahan dasar yang harus diatasi dalam issues that must be addressed in implementing
menerapkan program-program dalam RAKB, programs within the RAKB, such as:
meliputi:
a. Kurangnya pemahaman jajaran internal mengenai a. A lack of understanding among internal staff
aspek keberlanjutan dan prinsip Keuangan about sustainability aspects and the principles of
Berkelanjutan. Sustainable Finance.
b. Belum meratanya kesadaran para pemangku b. An uneven awareness among stakeholders,
kepentingan, terutama calon nasabah dan mitra especially potential clients and partners, about
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KERANGKA DAN STRATEGI KEBERLANJUTAN
Sustainability Framework and Strategy
kerja akan pentingnya mempertimbangkan the importance of considering the introduction
pengenalan dan mitigasi risiko sosial dan and mitigation of social risks and environmental
kelestarian lingkungan dan bagi berlangsungnya sustainability for the continuity of sustainable
kegiatan usaha yang berkelanjutan. business activities.
c. Masih perlunya penyusunan kelengkapan dan c. The ongoing need to develop and socialize the
sosialisasi pemberlakuan, prosedur monitoring implementation, monitoring, and evaluation
dan evaluasi kebijakan keuangan berkelanjutan di procedures for sustainable finance policies across
seluruh jenjang aktivitas Perseroan. all levels of the Company’s activities.
VISI DAN MISI KEBERLANJUTAN [OJK C.1] SUSTAINABILITY VISION AND MISSION [OJK C.1]
Perseroan telah menetapkan Visi dan Misi The Company has established its Sustainability Vision
Keberlanjutan, sebagai berikut: and Mission as follows:
VISI KEBERLANJUTAN
SUSTAINABILITY VISION
Menjadi bank dengan standar global yang dapat memberikan kontribusi positif pada perekonomian
Nasional dengan mengedepankan keselarasan antara aspek ekonomi (Profit), sosial (People) dan
lingkungan hidup (Planet) untuk mendukung pencapaian tujuan pembangunan berkelanjutan di
Indonesia.
To become a globally standardized bank and have a positive impact on the national economy by
emphasizing the balance between Profit, People, and Planet for the achievement of sustainable
development goals in Indonesia.
MISI KEBERLANJUTAN
SUSTAINABILITY MISSION
Menjalankan fungsinya sebagai Bank dalam menghimpun dan menyalurkan dana dengan
memprioritaskan pelayanan kepada Segmen Usaha Mikro Kecil dan Menengah (UMKM) dan
Retail & Digital Consumer, dengan menyediakan produk dan jasa layanan keuangan yang dikelola
dengan menerapkan nilai-nilai berkelanjutan.
Operating as a Bank in funding acquisition and disbursement, with a focus on serving the Micro,
Small, and Medium Enterprises (MSMEs) as well as Retail & Digital Consumers segments, by
providing financial products and services that promotes sustainability.
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
KERANGKA DAN STRATEGI KEBERLANJUTAN
Sustainability Framework and Strategy
TUJUAN RAKB OBJECTIVES OF THE RAKB
Tujuan RAKB ini adalah menjadi pedoman bagi Bank The purpose of this RAKB is to serve as a guideline
agar secara bertahap dapat memberikan kontribusi for the Bank to gradually contribute to achieving
dalam mencapai tujuan pembangunan berkelanjutan sustainable development goals in Indonesia. This
di Indonesia. Tujuan ini diwujudkan dalam langkah objective is realized through key strategic measures,
strategis utama yaitu: membangun struktur organisasi such as: building an organizational structure and
dan sumber daya manusia yang agile dan adaptif human resources that are agile and adaptive to the
dengan kebutuhan Bank dalam mengintegrasikan Bank’s needs in integrating social and environmental
aspek sosial dan lingkungan hidup ke dalam aspects into risk management, and continuously
pengelolaan risiko, serta terus mendorong terwujud promoting the development and growth of the
dan terus bertumbuhnya portofolio pembiayaan pada financing portfolio in 12 categories of sustainable
12 kategori kegiatan usaha berkelanjutan. business activities.
RAKB 2022 - 2026 RAKB 2022 - 2026
Sebagai perwujudan rangkaian aktivitas Implementasi As a manifestation of the series of Sustainable
Keuangan Berkelanjutan tersebut, Perseroan telah Finance Implementation activities, the Company
menyelesaikan penyusunan RAKB 2022-2026 has completed the preparation of RAKB 2022-
sebagai acuan dalam menjalankan berbagai program 2026 as a reference in running various programs to
dukungan pencapaian tujuan keberlanjutan dan support the achievement of sustainability goals and
sebagai kelanjutan dari RAKB 2020-2024 yang telah as a continuation of the RAKB 2020-2024 previously
disampaikan sebelumnya. presented.
Berikut adalah rangkaian program yang akan The following is a series of programs that will be
dilaksanakan dalam RAKB 2022-2026. implemented in RAKB 2022-2026.
Roadmap RAKB 2022 – 2026
RAKB 2022 - 2026 Roadmap
Tahun Target Kegiatan Prioritas Indikator Keberhasilan
No.
Year Priority Activity Targets Success Indicators
1. 2022 Pembentukan Satuan Kerja Khusus Keuangan Terbentuknya unit khusus/satuan kerja
Berkelanjutan. yang mengelola seluruh aktivitas Keuangan
Establishment of a Special Sustainable Finance Berkelanjutan.
Unit. The establishment of a special unit/work unit
that manages all Sustainable Finance activities.
Penyusunan Pedoman Keuangan Berkelanjutan Diterbitkannya Kebijakan Umum tentang
Preparation of Sustainable Finance Guidelines. Pedoman Keuangan Berkelanjutan.
Issuance of General Policy on Sustainable
Finance Guidelines.
Pelaksanaan Edukasi dan Internalisasi Nilai-Nilai • Dilaksanakannya Pelatihan untuk pejabat
Keberlanjutan bagi seluruh karyawan secara Bank tentang Konsep Keuangan Berkelanjutan.
bertahap. • Dilaksanakannya Pelatihan Penyusunan
Laporan Keberlanjutan untuk Divisi Corporate
Secretary.
• Dilaksanakannya komunikasi/kampanye
internal tentang nilai-nilai keberlanjutan
kepada seluruh karyawan.
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KERANGKA DAN STRATEGI KEBERLANJUTAN
Sustainability Framework and Strategy
Tahun Target Kegiatan Prioritas Indikator Keberhasilan
No.
Year Priority Activity Targets Success Indicators
Implementation of Education and Internalization • Implementation of Training for Bank officials
of Sustainability Values for all employees in on the Concept of Sustainable Finance.
stages. • Implementation of Sustainability Report
Preparation Training for the Corporate
Secretary Division.
• Implementation of internal communications/
campaigns about sustainability values to all
employees.
Menggali Potensi dan Pelaksanaan Penyaluran Meningkatkan kontribusi Bank pada pembiayaan
Pembiayaan pada Kategori Kegiatan Usaha Kategori Kegiatan Usaha Berkelanjutan.
Berkelanjutan. Increasing the Bank’s contribution to financing
Exploring the Potential and Implementation the Sustainable Business Activity Category.
of Financing Distribution in the Category of
Sustainable Business Activities.
2. 2023 Pengembangan SDM Keuangan Berkelanjutan Peningkatan kompetensi lanjutan karyawan
Development of Sustainable Finance Human Satuan Kerja Keuangan Berkelanjutan.
Resources. Improvement of advanced competence of
employees of the Sustainable Finance Unit.
Penyusunan Prosedur Operasi Standard Diterbitkannya Prosedur Operasi Standard
Keuangan Berkelanjutan. Keuangan Berkelanjutan.
Preparation of Standard Operating Procedures Issuance of Standard Operating Procedures for
for Sustainable Finance. Sustainable Finance.
Pengembangan sistem teknologi informasi dan Diluncurkannya sistem teknologi informasi
pelaporan tentang Keuangan Berkelanjutan. pelaporan Keuangan Berkelanjutan.
Development of information technology systems Launch of Sustainable Finance reporting
and reporting on Sustainable Finance. information technology system.
3. 2024 Penyusunan Pedoman yang mendukung praktik Diterbitkannya Pedoman Praktik Ramah
ramah lingkungan dalam kegiatan operasional Lingkungan dalam kegiatan operasional Bank.
Bank. Issuance of Guidelines for Environmentally
Preparation of Guidelines that support Friendly Practices in the Bank’s operational
environmentally friendly practices in the Bank’s activities.
operational activities.
Penyesuaian klasifikasi kegiatan usaha Bank Disesuaikannya klasifikasi kegiatan usaha Bank
dengan kriteria dan kategori kegiatan usaha sesuai dengan Keuangan Berkelanjutan.
berkelanjutan. Adjusted the classification of the Bank’s business
Adjustment of the classification of Bank business activities in accordance with Sustainable
activities with the criteria and categories of Finance.
sustainable business activities.
Desain, pengembangan, dan inovasi produk dan/ Dirancang dan/atau diterbitkannya produk dan/
atau jasa Keuangan Berkelanjutan bank sesuai atau jasa Keuangan Berkelanjutan.
dengan permintaan pasar. Designed and/or issued Sustainable Finance
Design, development, and innovation of the products and/or services.
bank’s Sustainable Finance products and/or
services in accordance with market demand.
4. 2025 Inisiasi portofolio Keuangan Berkelanjutan. Diterbitkannya produk dan/atau jasa Keuangan
Initiation of a Sustainable Finance portfolio. Berkelanjutan dan/atau Pertumbuhan produk
dan/atau Jasa Keuangan Berkelanjutan yang
telah diterbitkan.
Issuance of Sustainable Finance products and/or
services and/or Growth of Sustainable Financial
products and/or Services that have been issued.
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Sosial Responsibility
KERANGKA DAN STRATEGI KEBERLANJUTAN
Sustainability Framework and Strategy
Tahun Target Kegiatan Prioritas Indikator Keberhasilan
No.
Year Priority Activity Targets Success Indicators
Edukasi eksternal Edukasi kepada Nasabah/Debitur tentang
External education Keuangan Berkelanjutan.
Education to Customers/Debtors about
Sustainable Finance.
Pengembangan SDM tingkat lanjut • Peningkatan Kompetensi SDM Keuangan
Advanced HR development Berkelanjutan.
• Pelatihan untuk Analis Kredit tentang
Keuangan Berkelanjutan.
• Competency Improvement of Sustainable
Finance Human Resources.
• Training for Credit Analysts on Sustainable
Finance.
Pengembangan portofolio Dikembangkannya produk dan/atau jasa
Portfolio development Keuangan Berkelanjutan.
Development of Sustainable Finance products
and/or services.
5. 2026 Penyusunan Sistem Pengawasan dan Pelaporan. Diluncurkannya Sistem Pengawasan dan
Preparation of a Monitoring and Reporting Pelaporan Penerapan Keuangan Berkelanjutan.
System. Introduction of Supervision and Reporting
System for the Implementation of Sustainable
Finance.
Penyusunan sistem pengelolaan bisnis yang Diluncurkannya sistem pengelolaan bisnis yang
mengintegrasikan komponen sosial, lingkungan mengintegrasikan komponen sosial, lingkungan
hidup, dan tata kelola dalam pengelolaan risiko. hidup, dan tata kelola dalam pengelolaan risiko.
Preparation of a business management system The introduction of a business management
that integrates social, environmental, and system that integrates social, environmental, and
governance components in risk management. governance components in risk management.
Pelaksanaan edukasi nasabah terkait Keuangan Tersampaikannya edukasi kepada Nasabah
Berkelanjutan. tentang Keuangan Berkelanjutan melalui media
Implementation of customer education related to komunikasi Bank.
Sustainable Finance. Delivering education to customers about
Sustainable Finance through the Bank’s
communication media.
PENCAPAIAN PENERAPAN RAKB 2023 ACHIEVEMENTS IN RAKB 2023 IMPLEMENTATION
Pada tahun 2023, Perseroan berhasil merealisasikan In 2023, the Company successfully realized various
berbagai program dalam RAKB tahun pelaporan, programs in the RAKB for the reporting year, as a
sebagai kelanjutan pelaksanaan program persiapan continuation of the implementation of preparatory
penerapan aksi keuangan berkelanjutan di tahun programs for sustainable finance actions in the
sebelumnya. Beberapa program dalam RAKB yang previous year. Some of the programs in the RAKB that
telah berhasil dilaksanakan di tahun 2023, mencakup have been successfully implemented in 2023 include,
antara lain: among others:
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KERANGKA DAN STRATEGI KEBERLANJUTAN
Sustainability Framework and Strategy
Aktivitas Pencapaian
No
Activities Achievement
1 Mendukung program Otoritas Jasa Keuangan Bank memberikan fasilitas restrukturisasi kredit sampai
terkait stimulus perekonomian nasional dengan baki debet sebesar Rp489 miliar per Des 23 (Sept 23:
Supporting the Financial Services Authority Rp928 miliar; Des 2022: Rp1,03 triliun)
program related to national economic stimulus The Bank provided a loan restructuring facility of up to a debit
balance of Rp489 trillion at the end of December 2023.
2 Penyalur Kredit Usaha Rakyat (KUR) bagi pelaku Saldo pinjaman KUR Des 23 Rp480 miliar kepada 3.000 debitur
usaha mikro (Sept 23: Rp674,3 miliar, 5.227 debitur; Des 2022; Rp475 miliar,
Distribution of People’s Business Loans (KUR) for 3.644 debitur)
micro businesses Has distributed KUR to 3,000 debtors amounted to Rp480
billion as of the end of December 2023
3 Mendukung pihak-pihak yang memberikan Pencapaian Rasio Pembiayaan Inklusif Makroprudential
dukungan permodalan kepada para pelaku UMKM (RPIM) tahun pada akhir September sebesar 29,17%, yang
dengan berpartisipasi dalam pembelian surat merupakan gabungan dari Kredit/Pembiayaan Inklusif Secara
utang yang diterbitkan oleh Permodalan Nasional Langsung dan Rantai Pasok, Kredit/Pembiayaan Inklusif
Madani (PNM). Melalui Lembaga Jasa Keuangan/Badan Layanan Umum/
Supporting parties that provide capital support Badan Usaha, Pembiayaan Melalui Pembelian Surat Berharga
to SMEs by participating in the purchase of debt Pembiayaan Inklusif (SBPI), dan Pembiayaan Inklusif Lainnya.
securities issued by Permodalan Nasional Madani Achieving the Macroprudential Inclusive Financing Ratio (RPIM)
(PNM). of 29.17% at the end of September, which is a combination of
Direct Inclusive Credit/Financing and Supply Chain, Inclusive
Credit/Financing Through Financial Service Institutions/Public
Service Agencies/Business Entities, Financing Through the
Purchase of Inclusive Financing Securities (SBPI), and Other
Inclusive Financing.
4 Pengembangan produk dan layanan perbankan Mengembangkan mobile banking, internet banking, dan
elektronik/ digital sarana pembayaran digital berbasis QR Code Indonesian
Development of electronic/digital banking products Standard (QRIS). Per akhir Desember 2023 telah bermitra
and services dengan lebih dari 1 juta ribu merchant QRIS.
Developing mobile banking, internet banking, and digital
payment facilities based on the QR Code Indonesian Standard
(QRIS). As of the end of December 2023, the Bank has
partnered with more than 1 million thousand QRIS merchants.
5 Penyusunan Kebijakan Umum Keuangan Bank telah memiliki Kebijakan Umum Keuangan Berkelanjutan
Berkelanjutan dimaksud.
Formulation of General Sustainable Finance Policy The Bank already has a General Policy on Sustainable Finance.
6 Komunikasi & Edukasi Komunikasi & Edukasi Internal tentang Nilai-Nilai
Communication & Education Keberlanjutan.
Internal Communication & Education on Sustainability Values.
7 Penggalian potensi dan penyaluran pembiayaan Realisasi penyaluran per Desember 23 adalah Rp1.796 miliar,
pada kategori kegiatan usaha berkelanjutan, yakni 11,79% total portofolio terhadap 16 sektor ekonomi segmen
segmen UMKM. UMKM.
Exploring the potential and channeling of financing Realization of disbursement as of December 23 to 16 sectors
in the category of sustainable business activities. reached Rp1,796 billion, 11.79% of total portfolio,
8 Pelaksanaan Program CSR Realisasi kegiatan tanggung jawab sosial dengan nilai investasi
CSR Program Implementation sosial sebesar Rp220 juta.
Realization of social responsibilities activities with a social
investment value of Rp220 million.
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
KERANGKA DAN STRATEGI KEBERLANJUTAN
Sustainability Framework and Strategy
PROGRAM DAN KEGIATAN PRIORITAS RAKB PROGRAM AND PRIORITY ACTIVITIES OF RAKB
TAHUN 2024 FOR 2024
Perseroan telah memetakan serangkaian Program The Company has mapped out a series of Programs
dan Kegiatan Prioritas yang akan dijalankan dalam and Priority Activities to be implemented over a
kurun waktu 5 tahun dalam roadmap RAKB 2022- 5-year period in the RAKB 2022-2026 roadmap, as a
2026, sebagai kelanjutan dan pembaharuan dari continuation and update from the RAKB 2020-2024
Roadmap RAKB 2020-2024. Roadmap.
Adapun untuk tahun 2024, Kegiatan Prioritas yang For 2024, the Priority Activities to be implemented are:
akan dilaksanakan, adalah: 1. Development of Sustainable Finance Human
1. Pengembangan SDM Keuangan Berkelanjutan. Resources.
2. Penyusunan Pedoman Praktik Ramah Lingkungan 2. Development of Environmentally Friendly
dalam kegiatan operasional Bank. Operational Guidelines for Bank activities.
3. Pengkajian penyesuaian klasifikasi kegiatan 3. Reviewing the adjustment of bank business
usaha bank dengan kriteria dan kategori kegiatan activities classification with the criteria and
usaha berkelanjutan. categories of sustainable business activities.
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KERANGKA DAN STRATEGI KEBERLANJUTAN
Sustainability Framework and Strategy
4. Meningkatkan kontribusi Bank pada pembiayaan 4. Increasing the Bank’s contribution to financing
Kategori Kegiatan Usaha Berkelanjutan (11 Sustainable Business Activity Categories (11
Kategori + UMKM). Categories + MSMEs).
5. Melanjutkan program edukasi dan internalisasi 5. Continuing the program of education and
nilai-nilai keberlanjutan pada seluruh karyawan internalization of sustainability values among all
secara kontinyu. employees continuously.
6. Pelaksanaan kegiatan Tanggung Jawab Sosial 6. Implementation of Corporate Social Responsibility
Perusahaan (CSR). (CSR) activities.
TANTANGAN DAN RENCANA KE DEPAN [OJK E.5] CHALLENGES AND FUTURE PLANS [OJK E.5]
Tantangan utama dalam penerapan keuangan The main challenges in implementing sustainable
berkelanjutan bagi Bank antara lain adalah: finance for the Bank include:
• Pemahaman unit-unit terkait, terutama unit • Enhancing the understanding of related units,
penyaluran pembiayaan, tentang konsep especially the financing disbursement units, about
keuangan berkelanjutan yang masih perlu the concept of sustainable finance, which still
ditingkatkan. Sebagai konsep yang relatif masih needs improvement. As a relatively new concept,
baru tentunya perlu edukasi secara bertahap agar gradual education is necessary to enhance the
upaya penerapan keuangan berkelanjutan dalam quality of sustainable finance implementation in
aktivitas usaha dapat semakin berkualitas. business activities.
• Memperoleh akses pada usaha-usaha kategori • Gaining access to businesses in the Sustainable
Kegiatan Usaha Berkelanjutan (selain segmen Business Activity categories (other than the
UMKM) yang dapat memenuhi kriteria triple bottom MSME segment) that meet the triple bottom line
line sebagaimana disyaratkan dalam kategori criteria as required in the sustainable business
usaha berkelanjutan. Bank berkeyakinan bahwa category. The Bank believes that it can gradually
secara bertahap akan dapat mengoptimalkan optimize financing for businesses in this category
pembiayaan pada usaha-usaha dalam kategori as the business sector becomes more aware of
tersebut seiring meningkatkan kesadaran dunia opportunities in sustainable business categories.
usaha akan peluang usaha dalam kategori usaha
berkelanjutan.
• Bank perlu meningkatkan kapasitas sumber daya • The Bank needs to enhance the capacity of
manusia yang semakin memahami konsep dan human resources who increasingly understand
penerapan Keuangan Berkelanjutan terutama the concept and implementation of Sustainable
pada unit-unit bisnis, sehingga secara bertahap Finance, particularly in business units, ensuring
Bank dapat menghadirkan produk dan layanan that the Bank can gradually introduce products
yang selaras dengan nilai-nilai keberlanjutan. and services that align with sustainability values.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 315
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
TATA KELOLA KEBERLANJUTAN
Sustainability Governance
Perseroan bertekad menerapkan seluruh prinsip-prinsip tata kelola
terbaik untuk menyeimbangkan kinerja pada aspek ekonomi, sosial dan
lingkungan secara optimal sebagai wujud dukungan pencapaian tujuan
keberlanjutan demi masa depan yang lebih baik.
The Company is committed to implementing the best governance principles
to optimally balance performance in economic, social, and environmental
aspects as a form of support for achieving sustainability goals for a better
future.
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TATA KELOLA KEBERLANJUTAN
Sustainability Governance
PENERAPAN TATA KELOLA PERUSAHAAN YANG GOOD CORPORATE GOVERNANCE
BAIK IMPLEMENTATION
Sebagai salah satu korporasi yang bergerak di sektor As a corporation operating in the financial sector, the
keuangan, Perseroan bertekad untuk senantiasa Company is committed to consistently applying the
menerapkan seluruh prinsip-prinsip tata kelola best corporate governance principles according to the
korporasi terbaik sesuai perkembangan terkini latest developments as a way to fulfill its responsibility
sebagai salah satu cara mewujudkan tanggung jawab to prosper stakeholders. The application of these best
untuk mensejahterakan para pemangku kepentingan. governance principles is driven by the awareness that
Penerapan prinsip-prinsip governance terbaik good governance is a primary condition for achieving
tersebut didorong oleh kesadaran bahwa penerapan sustained performance improvement and competitive
tata kelola yang baik merupakan syarat utama bagi advantage.
diraihnya peningkatan kinerja dan keunggulan daya
saing secara berkelanjutan.
Perseroan meyakini penerapan seluruh prinsip- The Company believes that the implementation of all
prinsip tata kelola korporasi akan semakin corporate governance principles will bring it closer to
mendekatkan pencapaian visi dan misi penyediaan achieving its vision and mission of providing financing
kebutuhan pembiayaan masyarakat yang mampu needs that can reach all customers in Indonesia with
menjangkau seluruh pelanggan di Indonesia dengan quality, competitive products, while still prioritizing
produk berkualitas, berdaya saing, namun tetap safety, excellent-quality service, and environmentally
mengedepankan aspek keselamatan, kualitas friendly operational activities.
layanan terbaik dan kegiatan operasional yang ramah
lingkungan.
STRUKTUR, MEKANISME, KEBIJAKAN & STRUCTURE, MECHANISMS, POLICIES &
PEDOMAN TATA KELOLA [GRI 2-9] GUIDELINES FOR GOVERNANCE [GRI 2-9]
Kepengurusan Perseroan dijalankan dengan The Company’s management operates under a two-
menganut sistem dua badan (two tier system) yaitu tier system, consisting of the Board of Commissioners
Dewan Komisaris dan Direksi yang masing-masing and the Board of Directors, each with clear authority
memiliki wewenang dan tanggung jawab yang jelas and responsibilities according to their functions
sesuai fungsinya sebagaimana diamanatkan dalam as mandated in the Articles of Association and in
Anggaran Dasar dan sesuai peraturan perundang- accordance with laws and regulations. Both bodies
undangan. Kedua badan tersebut tunduk pada are subject to the decisions of the General Meeting of
keputusan Rapat Umum Pemegang Saham, Shareholders, as the strategic decision-making organ
sebagai organ pengambil keputusan strategis bagi for the Company’s continuity.
keberlangsungan Perseroan.
Bagan Struktur dan Mekanisme Tata Kelola The Company’s Governance Structure and
Perusahaan beserta uraian tugas, tanggung jawab dan Mechanism chart with descriptions of the duties,
wewenang seluruh Organ Perseroan, uraian kegiatan responsibilities, and authorities of all Corporate
pelaksanaan tugasnya, beserta uraian Kebijakan dan Organs, descriptions of their task implementation
Pedoman Tata Kelola dapat dilihat pada Bab Tata activities, as well as descriptions of the Policies
Kelola Perusahaan di bagian Laporan Tahunan. Guna and Guidelines for Governance are presented in
memaksimalkan hasil-hasil penerapan beragam the Corporate Governance chapter of the Annual
program yang tercantum dalam RKAB, Perseroan Report. To maximize the outcomes of the various
menetapkan beberapa Pejabat atau Unit Kerja di programs listed in the RKAB, the Company has
lingkup Perseroan untuk juga bertugas mengawasi, designated several Officers or Work Units within the
menjalankan dan mengevaluasi penerapan program- Company to also supervise, implement, and evaluate
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 317
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
TATA KELOLA KEBERLANJUTAN
Sustainability Governance
program keuangan berkelanjutan, seperti dijelaskan the application of sustainable finance programs, as
pada uraian berikut. described in the following details.
PENANGGUNG JAWAB PELAKSANAAN AKSI UNIT IN CHARGE OF SUSTAINABLE FINANCE
KEUANGAN BERKELANJUTAN [OJK E.1] [GRI 2-12, 2-13, 2-14] ACTIONS [OJK E.1] [GRI 2-12, 2-13, 2-14]
Perseroan telah menetapkan pembagian tugas dan The Company has established a division of duties and
wewenang beberapa Pejabat dan Unit Kerja Perseroan authorities among several Officers and Work Units of
untuk juga bertindak menjadi penanggung jawab the Company to also act as the responsible parties
pelaksanaan keuangan berkelanjutan sebagaimana for the implementation of sustainable finance as
uraian pada berikut. described in the following.
Penanggungjawab Program Aksi Keuangan Berkelanjutan
Person in Charge of Sustainable Finance Action Program
No Jabatan | Position Tugas & Wewenang | Duties & Authorities
1 Direksi Bertanggung jawab terhadap pengelolaan Program Aksi Keuangan Berkelanjutan secara
Board of Directors keseluruhan.
2 SKKK Berkelanjutan • Bertanggung jawab kepada Direksi atas pengoordinasian Program Aksi Keuangan
SKKK Sustainability Berkelanjutan
• Menyusun rencana Program Aksi Keuangan Berkelanjutan.
• Mengelola dan mengkoordinasikan pelaksanaan Program Aksi Keuangan Berkelanjutan.
• Menyusun Pedoman dan Prosedur Keuangan Berkelanjutan.
• Memonitor Pelaksanaan Aksi Keuangan Berkelanjutan.
• Menyusun Laporan Keberlanjutan.
• Responsible to the Board of Directors for coordinating the Sustainable Finance Action
Program
• Develop a plan for the Sustainable Finance Program of Action.
• Manage and coordinate the implementation of the Sustainable Finance Program of Action.
• Develop Sustainable Finance Guidelines and Procedures.
• Monitor the Implementation of Sustainable Financial Action.
• Develop a sustainability report.
3 Compliance Division • Mengkaji penyusunan Rencana Keuangan Berkelanjutan.
• Mengkaji penyusunan Laporan Keberlanjutan.
• Mengkaji Pedoman dan Prosedur Keuangan Aksi Keuangan Berkelanjutan.
• Reviewing the preparation of a Sustainable Finance Plan.
• Reviewing the preparation of the Sustainability Report.
• Reviewing Financial Guidelines and Procedures for Sustainable Finance Action.
4 Risk Management Melakukan monitoring Risiko Kredit terkait penerapan Aksi Keuangan Berkelanjutan.
Division Monitoring Credit Risk related to the implementation of Sustainable Finance Action.
5 Human Resources • Melakukan perekrutan apabila diperlukan terkait pembentukan unit khusus pengelola Aksi
Group Keuangan Berkelanjutan.
• Mengkoordinasikan pelaksanaan pelatihan Keuangan Berkelanjutan.
• Recruiting if necessary related to the establishment of a special unit for managing
Sustainable Finance Action.
• Coordinate the implementation of Sustainable Finance training.
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TATA KELOLA KEBERLANJUTAN
Sustainability Governance
No Jabatan | Position Tugas & Wewenang | Duties & Authorities
6 • SME & Commer- • Menggali potensi dan mengkoordinasikan penyaluran kredit kepada kategori kegiatan
cial Lending usaha berkelanjutan.
• Consumer & Micro • Mengkaji dan menerbitkan produk dan jasa keuangan berkelanjutan.
• Retail Banking
• Exploring the potential and coordinating lending to the category of sustainable business
activities.
• Reviewing and publishing sustainable financial products and services.
7 Regulatory Reporting Menyampaikan laporan 3 bulanan realisasi penyaluran kredit pada kegiatan usaha kategori
Division berkelanjutan.
Submit a 3-monthly report on the realization of credit distribution in sustainable category
business activities.
Peningkatan Kompetensi Keuangan Berkelanjutan Enhancement of Sustainable Finance Competence
[OJK E.2] [OJK E.2]
Perseroan meyakini program-program dalam RAKB The Company believes that the programs within
harus didukung ketersediaan sumber daya manusia the RAKB must be supported by the availability of
yang memiliki kompetensi mumpuni agar memberi human resources with the necessary competencies
hasil yang optimal. Oleh karenanya sepanjang tahun to yield optimal results. Therefore, throughout 2023,
2023 Perseroan terus melakukan pelatihan keuangan the Company continued to conduct sustainable
berkelanjutan bagi para pegawai maupun pejabat finance training for its employees and bank officials,
Bank, terutama bagi mereka yang terlibat langsung particularly those who are directly involved and
dan bertanggung jawab terhadap pelaksanaan responsible for implementing the programs within
program-program dalam RAKB. Sampai dengan the RAKB. By the end of 2023, the Company had
akhir tahun 2023, Perseroan telah merealisasikan realized various Communication & Internal Education
berbagai kegiatan Komunikasi & Edukasi Internal activities about Sustainable Finance Values as part of
tentang Nilai-Nilai Keuangan berkelanjutan sebagai the competence enhancement program.
wujud program peningkatan kompetensi dimaksud.
Pengelolaan dan Mitigasi Risiko Keuangan Sustainable Finance Risk Management and
Berkelanjutan [OJK E.3] [GRI 2-24] Mitigation [OJK E.3] [GRI 2-24]
Mengingat program Keuangan Berkelanjutan Considering that the Sustainable Finance program
merupakan hal yang baru bagi segenap jajaran is new for all officers in charge, the Company is
pelaksana, bahkan bagi pelaku industri perbankan, taking precautions and mitigating potential risks that
Perseroan mewaspadai dan mempersiapkan may occur from the failure of Sustainable Finance
langkah-langkah mitigasi terhadap risiko-risiko yang programs in the RAKB. Among the risks that need
muncul dari ketidakberhasilan penerapan program- to be managed and mitigated in relation to the
program dalam RAKB. Adapun beberapa risiko yang implementation of RAKB are:
harus dikelola dan dimitigasi terkait penerapan RAKB,
antara lain:
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
TATA KELOLA KEBERLANJUTAN
Sustainability Governance
Jenis dan Potensi Risiko Terkait RAKB
Risk Types and Potentials Related to RAKB
Jenis Risiko Potensi Risiko Mitigasi Risiko
Types of Risks Potential Risks Risk Mitigation
Risiko Kredit Nasabah gagal memenuhi kewajibannya sesuai Pengetatan pengawasan, pemantauan dan
Credit Risk yang disyaratkan dalam covenant perjanjian pembinaan kepada Nasabah
pembiayaan ramah lingkungan maupun sosial. Tightening supervision, monitoring and
The customer fails to fulfill its obligations as guidance to customers
required in the covenant of environmentally and
socially friendly financing agreements.
Risiko Kepatuhan • Sanksi Administratif berupa teguran Menerapkan rencana prioritas yang sudah
Compliance Risk atau peringatan tertulis bagi Perseroan ditetapkan
karena tidak menerapkan Aksi Keuangan Implement a predetermined priority plan
Berkelanjutan
• Berpotensi mempengaruhi reputasi Bank
• Administrative Sanctions in the form of
reprimands or written warnings for the
Company for not implementing Sustainable
Finance Action
• Has the potential to affect the Bank’s
reputation
Risiko Stratejik • Pencapaian kinerja Rencana Aksi Keuangan Peninjauan sektor–sektor secara bertahap
Strategic Risk Berkelanjutan tidak terpenuhi sesuai target dengan mempertimbangkan kompetensi
yang ditetapkan internal dan ketersediaan sumber dana
• Pencapaian kinerja penyaluran kredit Gradual review of sectors taking into account
yang masuk Kategori Berkelanjutan tidak internal competence and availability of sources
terpenuhi sesuai target yang ditetapkan. of funds
• The achievement of the Sustainable Finance
Action Plan performance is not fulfilled
according to the target set
• The achievement of loan disbursement
performance that is included in the
Sustainable Category is not met according to
the target set.
Risiko Reputasi • Pendapat investor, manajer keuangan Komunikasi dan publikasi yang intensif terkait
Reputational Risk maupun publik bahwa Perseroan tidak penerapan mitigasi risiko sosial dan lingkungan
memiliki kepedulian terhadap isu ekonomi dalam Keuangan Berkelanjutan kepada para
berkelanjutan dan isu lingkungan hidup. stakeholder
• Penurunan reputasi dimata regulator Intensive communication and publication
dikarenakan Perseroan yang tidak berhasil related to the implementation of social and
menerapkan program Aksi Keuangan environmental risk mitigation in Sustainable
Berkelanjutan Finance to stakeholders
• The opinion of investors, financial managers
and the public that the Company does not
have concern for sustainable economic
issues and environmental issues.
• The decline in reputation with regulators due
to the Company’s failure to implement the
Sustainable Finance Action program
Dalam memitigasi risiko ketika RAKB tidak dapat In mitigating risks when RAKB cannot be implemented
dilaksanakan dengan baik atau tidak mencapai properly or does not achieve desired goals, the Bank
tujuan yang diinginkan, Bank melakukan monitoring conducts regular monitoring and evaluation to ensure
dan evaluasi secara berkala sehingga penyimpangan that deviations from the RAKB objectives can be
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TATA KELOLA KEBERLANJUTAN
Sustainability Governance
dari tujuan RAKB dapat dideteksi lebih awal sehingga detected early, hence making the implementation of
pelaksanaan RAKB dapat lebih terarah. the RAKB more targeted.
PENCEGAHAN KONFLIK KEPENTINGAN [GRI 2-15] CONFLICT OF INTEREST PREVENTION [GRI 2-15]
Perseroan menjunjung tinggi etika dan menerapkan The Company upholds ethics and applies principles
asas independensi serta responsibilitas dalam of independence and responsibility in strategic and
pengambilan keputusan strategis maupun operational decision-making in conducting business
operasional dalam menjalankan kegiatan bisnis. activities. As such, if there is an indication of potential
Sehingga, jika terdapat indikasi adanya potensi conflicts of interest in the strategic decision-making
konflik kepentingan dalam proses pengambilan process, whether for investment or operational
keputusan strategis, baik dalam rangka investasi decisions, parties with potential conflicts of interest
maupun pengambilan keputusan operasional, pihak are prohibited from participating in the decision-
yang memiliki potensi benturan kepentingan, dilarang making process.
mengikuti proses pengambilan keputusan dimaksud.
KEBIJAKAN DAN PRAKTIK ANTI KORUPSI & FRAUD ANTI-CORRUPTION & FRAUD POLICIES AND
[GRI 205-2] PRACTICES [GRI 205-2]
Perseroan menyusun dan memberlakukan kebijakan The Company has developed and enforced anti-
anti korupsi dan anti penyuapan sebagai bentuk corruption and anti-bribery policies as the Bank’s
komitmen Bank dalam mendukung peningkatan commitment to enhancing integrity as a part of the
integritas sebagai bagian dari nilai-nilai budaya Bank, Bank’s cultural values, which form the foundation of the
yang menjadi landasan dari strategi dan program- Anti-Bribery strategies and programs. These include
program Anti Penyuapan, baik berupa kebijakan, policies, guidelines, procedures, implementation
pedoman, prosedur, petunjuk pelaksanaan, dan instructions, and other internal Bank regulations
ketentuan internal Bank lainnya, sehubungan dengan related to efforts to prevent, early-detection, and
upaya mencegah, mendeteksi secara dini, serta respond to bribery risks and incidents within the Bank
respon terhadap risiko dan kejadian Penyuapan di environment.
lingkungan Bank.
Kebijakan dan prosedur Sistem Manajemen Anti The Anti-Bribery Management System (SMAP) policy
Penyuapan (SMAP) ini dibuat berdasarkan Surat and procedures are established based on the Board
Keputusan Direksi No. 162/SK/DIR/111/2022 dan of Directors Decree No. 162/SK/DIR/111/2022 and are
diatur dalam lampiran Kebijakan dan Pedoman detailed in the Policy and Implementation Guidelines
lmplementasi SMAP yang menjadi satu kesatuan for SMAP, which are an integral part of the Decree.
yang tidak terpisahkan dengan Surat Keputusan.
Sebagai bentuk komitmen dalam penerapan Anti As a commitment to implement Anti-Bribery
Penyuapan, Perseroan telah meraih Certificate of measures, the Company has obtained the Indonesian
Conformity Sertifikasi Nasional Indonesia (SNI) ISO National Certification (SNI) ISO 37001:2016 Certificate
37001: 2016 pada 6 Juli 2022. of Conformity on July 6, 2022.
Penjelasan selengkapnya mengenai Kebijakan dan More details about Anti-Corruption and Fraud
Praktik Anti Korupsi ini dapat dilihat pada uraian Policies and Practices are presented in the Corporate
sejenis di Bab Tata Kelola Perusahaan. Governance chapter of the Annual Report.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 321
Page 324
TANGGUNG JAWAB SOSIAL
Sosial Responsibility
TATA KELOLA KEBERLANJUTAN
Sustainability Governance
PELAPORAN DAN PENANGANAN HAL-HAL KRITIS REPORTING AND HANDLING OF CRITICAL ISSUES
[GRI 2-16, 2-26] [GRI 2-16, 2-26]
Perseroan telah menerapkan sistem pelaporan The Company has implemented a systematic,
pelanggaran (Whistleblowing System/WBS) yang simple, and accessible whistleblowing system (WBS)
sistematis, sederhana dan mudah diakses sebagai as a means of reporting critical issues related to
sarana pelaporan untuk menyampaikan hal-hal compliance with the Code of Conduct, violations of
kritis terkait dengan kepatuhan terhadap Kode Etik, Anti-Corruption/Fraud Policies, and other critical
Pelanggaran Kebijakan Anti Korupsi/Fraud maupun issues. This system applies to all levels, including
hal-hal kritis lainnya Sistem ini berlaku bagi seluruh employees, Directors, and Commissioners. Reports
jajaran, baik karyawan, Direksi maupun Komisaris. submitted through the WBS are immediately followed
Pelaporan yang disampaikan melalui WBS akan up on and resolved by the management team.
langsung ditindak lanjuti dan diselesaikan oleh jajaran
manajemen.
Untuk mengukuhkan pentingnya keberadaan To reinforce the importance of this system, the
sistem ini, maka Perseroan secara terus-menerus Company continuously conducts WBS socialization
melakukan sosialisasi WBS ke semua lini Perseroan across all Company lines through various internal
melalui berbagai media internal. media.
Penjelasan selengkapnya mengenai Sistem More details about this Violation Reporting System
Pelaporan Pelanggaran ini dapat dilihat pada uraian are presented in the Corporate Governance chapter
sejenis pada Bab Tata Kelola Perusahaan. of the Annual Report.
PENGELOLAAN HUBUNGAN PEMANGKU STAKEHOLDER RELATIONSHIP MANAGEMENT
KEPENTINGAN [OJK E.4] [OJK E.4]
Perseroan mengidentifikasi pemangku kepentingan The Company identifies stakeholders across its
di seluruh wilayah operasional menggunakan operational regions using the AA1000 Stakeholder
rujukan dokumen AA1000 Stakeholder Engagement Engagement Standard 2015 version, which categorizes
Standard versi tahun 2015, yang membagi pemangku stakeholders into six indicators: Dependency (D),
kepentingan dalam 6 (enam) indikator, yakni: Responsibility (R), Tension (T), Influence (I), Diverse
Dependency (D), Responsibility (R), Tension (T), Perspective (DP), and Proximity (P). Based on this
Influence (I), Diverse Perspective (DP) dan Proximity identification, the Company realizes the management
(P). Berdasarkan identifikasi tersebut, Perseroan of relationships with Stakeholders to meet their
merealisasikan pengelolaan hubungan dengan Para expectations as follows.
Pemangku Kepentingan dalam rangka memenuhi
harapan mereka, sebagai berikut.
322 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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TATA KELOLA KEBERLANJUTAN
Sustainability Governance
Tabel Pendekatan Pelibatan Pemangku Kepentingan [GRI 2-29]
Stakeholder Engagement Approach
Pemangku
Basis Identifikasi Topik Utama Tingkat, Metode dan Frekuensi
Kepentingan
Identification Base Main Topics Level, Method and Frequency
Stakeholders
Pemegang Saham D.R.I.P • Mempertahankan dan • Pemberian Informasi
Shareholders meningkatkan nilai usaha sesuai • Publikasi rutin (Laporan Tahunan,
harapan pemegang saham Laporan Keuangan, Laporan Kinerja
• Menghormati hak-hak pemegang Kuartalan) dan Website.
saham sesuai Undang-undang dan • Forum RUPS. minimal 1 kali dalam
Anggaran Dasar Perusahaan setahun
• Pertanggung-jawaban kinerja
ekonomi, lingkungan dan sosial • Provision of Information
• Regular publications (Annual
• Maintain and increase business Reports, Financial Statements,
value in accordance with shareholder Quarterly Performance Reports) and
expectations Website.
• Respect the rights of shareholders • GMS Forum. at least once a year
in accordance with the Law and the
Company’s Articles of Association
• Accountability of economic
performance, environmental and
Social
Karyawan D,R,T, I, P • Kesejahteraan Karyawan Pemberian Informasi dan Konsultasi
Employee • Kesetaraan • Media komunikasi melalui email dan
• Kepastian jenjang karir dan internet, maupun website.
Remunerasi • Survei keterikatan karyawan
• Peninjauan Peraturan Perusahaan
• Employee Welfare secara berkala
• Equality • Forum bipartit antara Perseroan
• Certainty of career path and dengan Karyawan
Remuneration
Provision of Information and
Consultation
• Communication media via email
and internet, as well as websites.
• Employee engagement survey
• Periodic review of Company
Regulations
• Bipartite forum between the
Company and Employees
Nasabah D.R.I.P • Kualitas Produk dan Layanan Pemberian Informasi dan Konsultasi
Customer • Quality of Products and Services • Kecepatan layanan
• Survei Kepuasan Nasabah
• Layanan Pengaduan
Provision of Information and
Consultation
• Speed of service
• Customer Satisfaction Survey
• Complaints Service
Pemerintah D, R, T, I, DP, P • Ketaatan dan kepatuhan pada Pembinaan Hubungan dengan
dan Pembuat peraturan yang berlaku Pemangku Kepentingan
Kebijakan • Pembayaran Pajak dan Kewajiban • Penerapan Regulasi
kepada Negara • Pelaporan rutin (AMDAL. OJK. LHK,
• Menyinergikan program Pemerintah dan lain-lain
Daerah dengan Perusahaan dalam • Rapat Koordinasi Forum Koordinasi
rangka pembangunan daerah Pimpinan Daerah (FKPD) dengan
Perusahaan
• Forum Komunikasi CSR.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 323
Page 326
TANGGUNG JAWAB SOSIAL
Sosial Responsibility
TATA KELOLA KEBERLANJUTAN
Sustainability Governance
Pemangku
Basis Identifikasi Topik Utama Tingkat, Metode dan Frekuensi
Kepentingan
Identification Base Main Topics Level, Method and Frequency
Stakeholders
Government and • Obedience and adherence to the • Mentoring of Relationships with
Policy Makers applicable rules Stakeholders
• Payment of Taxes and Obligations to • Application of Regulations
the State • Routine reporting (AMDAL. OJK. LHK,
• Synergize Local Government etc.
programs with the Company in the • Coordination Meeting of the Regional
context of regional development Leaders Coordination Forum (FKPD)
with the Company
• CSR Communication Forum.
• Transparansi pengadaan barang Pemberian Informasi
dan jasa • Gathering secara berkala
• Terciptanya hubungan yang baik • Tender pengadaan secara
antara Perseroan dengan Mitra Kerja • Transparan
• Menghindari benturan kepentingan
antara Perusahaan dengan mitra Provision of Information
Rekanan/Mitra kerja • Regular gathering
Kerja D, R, T, P • Procurement tenders on a
Vendors/Partners • Transparency of procurement of transparent basis
goods and services
• Creation of a good relationship
between the Company and Business
Partners
• Avoid conflicts of interest between
the Company and business partners
• Pendampingan dan Pemberdayaan Pemberian Informasi dan Konsultasi
Masyarakat • Negosiasi. Kolaborasi dan
• Sosialisasi dan penyaluran dana Pemberdayaan.
CSR • Penyelenggaraan CSR-Community
• Pengelolaan dampak ekonomi Development.
lingkungan dan sosial • Pelibatan Masyarakat dalam event
Perseroan
Masyarakat • Community Assistance and
D, R,T, I, DP, P Empowerment Provision of Information and
Community
• Socialization and distribution of CSR Consultation
funds • Negotiation. Collaboration and
• Management of economic, Empowerment.
environmental and social impacts • CSR-Community Development
Implementation.
• Community Involvement in Company
events
• Menyampaikan informasi terkait Pemantauan Pemberian Informasi,
kinerja Perusahaan ke media daerah Konsultasi dan Pelibatan
dan nasional • Siaran Pers sesuai kebutuhan
• Hubungan yang harmonis antara • Media Gathering sesuai kebutuhan
awak media dengan Perseroan
• Sosialisasi dan penyaluran dana Monitoring of Information Delivery,
CSR Consultation and Engagement
Media Massa • Press Release as needed
T, I, D, P
Mass Media • Convey information related to the • Media Gathering as needed
Company’s performance to regional
and national media
• Harmonious relationship between
the media crew and the Company
• Socialization and distribution of CSR
funds
324 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KINERJA EKONOMI
Economic Performance
Perseroan memegang teguh komitmennya untuk meningkatkan
kesejahteraan para pemangku kepentingan dengan senantiasa
mendistribusikan nilai perolehan ekonominya dengan sebaik-
baiknya pada setiap kondisi usaha yang dihadapi. Seiring
membaiknya kinerja keuangan kendati harus mengatasi
beratnya kondisi usaha yang penuh tantangan, Bank
mencatatkan peningkatan nilai distribusi perolehan ekonomi
kepada para pemangku kepentingan di tahun pelaporan.
The Company steadfastly holds to its commitment to enhancing
the welfare of its stakeholders by continually distributing its
economic earnings in the best possible manner under every
business condition. With financial performance improving despite
having to overcome challenging business conditions, the Bank
recorded an increase in the value of economic earnings distributed
to stakeholders in the reporting year.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 325
Page 328
TANGGUNG JAWAB SOSIAL
Sosial Responsibility
KINERJA EKONOMI
Economic Performance
Perseroan berkomitmen penuh untuk mewujudkan The Company is fully committed to realizing its
Misi Perusahaan, dan telah menyusun strategi Corporate Mission and has formulated business
pengembangan usaha, termasuk strategi development strategies, including strategies to achieve
pencapaian tujuan keberlanjutan yang dituangkan sustainability goals outlined in the Bank Business
dalam dokumen Rencana Bisnis Bank (RBB) dan Plan (RBB) and the Sustainable Finance Action Plan
Rencana Aksi Keuangan Berkelanjutan (RAKB) (RAKB) to best realize the Corporate Mission. The
dalam rangka mewujudkan Misi Perusahaan dengan purpose of implementing the Mission and formulating
sebaik-baiknya. Tujuan dari pelaksanaan Misi serta these strategies is to optimize performance in social,
penyusunan strategi tersebut adalah optimalnya economic, and environmental aspects in a balanced
kinerja pada aspek sosial, ekonomi dan lingkungan manner. [GRI 3-3]
secara berimbang. [GRI 3-3]
Uraian lengkap mengenai inisiatif dan sasaran A full description of these initiatives and strategic
strategis tersebut, termasuk realisasi dan hasilnya objectives, including their realization and results,
dapat dilihat pada Bab Diskusi dan Analisis are presented in the Management Discussion and
Manajemen. Analysis chapter.
RINGKASAN KINERJA ASPEK EKONOMI TAHUN SUMMARY OF ECONOMIC PERFORMANCE FOR
2023 2023
Di tahun 2023, Perseroan mencatat kenaikan total aset In 2023, the Company recorded a total asset increase
sebesar 20,4% menjadi Rp26,62 triliun dari Rp22,12 of 20.4% to Rp26.62 trillion from Rp22.12 trillion in
triliun di tahun 2022, diantaranya dikontribusikan oleh 2022, contributed by an increase in the outstanding
peningkatan outstanding Total Kredit 22,8% menjadi Total Loans by 22.8% to Rp15.24 trillion from Rp12.41
sebesar Rp15,24 triliun dari Rp12,41 triliun di tahun trillion in the previous year.
sebelumnya.
Komitmen Perseroan untuk melaksanakan The Company’s commitment to implementing good
manajemen risiko kredit dengan baik, serta terus credit risk management, and continuously applying the
menerapkan prinsip kehati-hatian dan prinsip GCG principles of prudence and GCG, has yielded results,
telah membuahkan hasil, sebagaimana tercermin as reflected by the consistently low consolidated gross
oleh tetap rendahnya rasio NPL-bruto secara NPL ratio in 2023, which was 0.59% compared to 0.41%
konsolidasi di tahun 2023 yang sebesar 0,59% dari in 2022.
0,41% di tahun 2022.
Pada tahun 2023, di tengah meningkatnya In 2023, amid increasing uncertainty and declining
ketidakpastian dan menurunnya pertumbuhan economic growth, the Company was able to record
perekonomian, Perseroan mampu mencatatkan total revenue of Rp1.499 trillion, up 29.1% from Rp1.162
total pendapatan sebesar Rp1.499 miliar, naik 29,1% trillion in 2022, but at the same time recorded a higher
dari Rp1.162 miliar pada tahun 2022, namun disaat increase in interest expense than interest income. The
bersamaan mencatatkan kenaikan beban bunga Company also booked an increase in the allowance
yang lebih tinggi dari pendapatan bunga. Perseroan for impairment losses expenses to Rp43 billion from
juga membukukan kenaikan beban pembentukan Rp25 billion in the previous year.
CKPN menjadi sebesar Rp43 miliar dari Rp25 miliar
di tahun sebelumnya.
Secara keseluruhan, Perseroan mencatatkan Overall, the Company recorded a 36.3% increase in
kenaikan laba bersih tahun berjalan 2023 sebesar net profit for 2023 to Rp142 billion from Rp104 billion
36,3% menjadi sebesar Rp142 miliar dari tahun 2022 in 2022.
yang sebesar Rp104 miliar.
326 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KINERJA EKONOMI
Economic Performance
Pembahasan lebih mendetail mengenai kinerja A more detailed discussion of this financial
keuangan tersebut dapat dilihat pada uraian Bab performance is presented in the Management
Diskusi dan Analisis Manajemen pada Laporan Discussion and Analysis chapter in this Annual Report.
Tahunan ini.
Berikut ringkasan perubahan posisi neraca dan tabel Here is a summary of the changes in the balance
rugi laba Perseroan di tahun 2023 & 2022. sheet position and the profit and loss of the Company
in 2023 & 2022.
Perubahan | Change
Uraian | Description 2023 2022
Nominal %
Ringkasan Neraca (Rp Miliar)
Balance Sheet Summary (Rp Billion)
Total Aset
26,622 22,116 4,506 20.4%
Total Assets
Total Kredit
15,237 12,409 2,828 22.8%
Total Loans
Total Simpanan Nasabah
17,876 15,076 2,800 18.6%
Total Customer Deposits
Total Liabilitas
23,287 20,244 3,043 15.0%
Total Liabilities
Jumlah Ekuitas
3,335 1,873 1,462 78.1%
Total Equity
Ringkasan Laba Rugi (Rp Miliar)
Summary of Profit or Loss (Rp Million)
Total Pendapatan Bunga
1,499 1,162 338 29.1%
Total Interest Income
Beban Bunga
(668) (501) (166) 33.2%
Interest Expenses
Total Pendapatan Operasional Lainnya
155 72 83 115.1%
Total Other Operating Income
Total Beban Operasional Lainnya
(668) (572) (96) 16.8%
Total Other Operating Expenses
Pembentukan CKPN
(43) (25) (17) 68.6%
Allowance for Impairment Losses Formation
Laba Operasional
180 134 46 34.3%
Operating Profit
Laba Sebelum Pajak
186 134 51 38.3%
Profit before Tax
Laba Bersih Tahun Berjalan
142 104 38 36.3%
Profit for the Year
Total Laba Komprehensif Tahun Berjalan
207 73 134 183.5%
Total Comprehensive Income for the Year
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 327
Page 330
TANGGUNG JAWAB SOSIAL
Sosial Responsibility
KINERJA EKONOMI
Economic Performance
KEGIATAN OPERASIONAL MENURUT SEGMEN OPERATIONAL ACTIVITIES BY BUSINESS
USAHA [FS6] SEGMENT [FS6]
Perseroan memusatkan kegiatan usaha pada The Company focuses its business activities on the
segmen UMKM, yang selaras dengan kemampuan MSME segment, which aligns with its capabilities
dan prospek pasarnya. Meskipun demikian, selain and market prospects. However, besides the MSME
segmen UMKM, Perseroan secara konsisten segment, the Company consistently explores every
mengeksplorasi setiap peluang potensial di sektor potential opportunity in the medium and large
komersial menengah dan besar untuk mendorong commercial sectors to drive an increase in loan
peningkatan volume penyaluran kredit. Perseroan disbursement volume. The Company prioritizes loan
memprioritaskan penyaluran kredit kepada industri disbursement to industries that have a significant
yang memiliki multiplier effect signifikan terhadap multiplier effect on national economic growth.
pertumbuhan ekonomi nasional.
Outstanding kredit Perseroan secara umum dibagi The Company’s outstanding loan is generally divided
menurut 3 jenis fasilitas, yakni: Kredit Modal Kerja, into three types of facilities: Working Capital Loans,
Kredit Investasi dan Kredit Konsumsi. Investment Loans, and Consumer Loans.
Adapun rincian saldo pembiayaan selengkapnya Further details of the financing balance have been
telah disampaikan pada uraian Bab Analisis & Diskusi provided in the Management Discussion & Analysis
Manajemen – Segmen Usaha. chapter – Business Segment.
Dukungan Pembiayaan Yang Selaras dengan Financing Support Aligned with Sustainability
Tujuan Keberlanjutan [OJK F.2, FS1, FS3, FS7] Goals [OJK F.2, FS1, FS3, FS7]
Perseroan menyadari meningkatnya kesadaran The Company recognizes the growing global
masyarakat di seluruh dunia mengenai gejala awareness of climate change phenomena caused
perubahan iklim yang disebabkan oleh emisi gas by greenhouse gas emissions (GHG) and social
rumah kaca (GRK) dan masalah sosial. Sebagai issues. As an intermediary institution, the Company
lembaga perantara, Perseroan mengakui tanggung acknowledges its responsibility to contribute to the
jawabnya untuk berkontribusi pada konservasi conservation of environmental and social conditions.
kondisi lingkungan dan sosial. Untuk itu, Perseroan For this reason, the Company implements Sustainable
menerapkan Sustainable Finance Action, yaitu Finance Action, maximizing loan disbursement while
memaksimalkan penyaluran kredit bersamaan achieving sustainable goals based on the Company’s
dengan pencapaian tujuan berkelanjutan capacity and competencies.
berdasarkan kapasitas dan kompetensi Perseroan.
Portofolio Kegiatan Usaha Berkelanjutan Sustainable Business Activity Portfolio
[OJK F.3, FS7, FS10] [OJK F.3, FS7, FS10]
Perseroan telah menerapkan mitigasi sosial The Company has implemented social mitigation
dalam proses seleksi nasabah, dengan fokus pada in the customer selection process, focusing on
identifikasi nasabah yang terlibat dalam “Kegiatan identifying customers engaged in “Sustainable
Bisnis Berkelanjutan” di berbagai sektor ekonomi Business Activities” in various high-risk economic
berisiko tinggi yang memiliki implikasi sosial yang sectors with significant social implications.
signifikan.
Pada Rencana Aksi Keuangan Berkelanjutan 2023, In the 2023 Sustainable Finance Action Plan, the
Perseroan telah menetapkan target penyaluran kredit company has set a loan disbursement target for
untuk kategori sektor-sektor berkelanjutan, yakni sustainable sector categories, namely the MSME
segmen UMKM, dengan nilai sebesar Rp1,5 triliun. segment, with a value of Rp1.5 trillion. This target is
Target tersebut juga disampaikan pada Rencana also communicated in the 2023 Bank Business Plan
Bisnis Bank 2023 yang telah disusun Perseroan. prepared by the Company.
328 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KINERJA EKONOMI
Economic Performance
Perseroan menetapkan penyaluran kredit pada The Company has designated loan disbursement to
segmen UMKM menjadi salah satu segmen keuangan the MSME segment as one of the sustainable financial
berkelanjutan dengan capaian sebagaimana segments with achievements as described below.
ditampilkan dalam tabel di bawah ini.
% Tumbuh % Tumbuh
Penerima Kredit Lapangan Usaha
No. 31-Dec-22 Growth 31-Dec-23 Growth
Beneficiaries of Loans
(YTD) (YoY)
1 Perdagangan Besar dan Eceran; Reparasi dan Perawatan
Mobil dan Sepeda Motor
719,952 22.85% 939.050 30%
Wholesale and Retail Trade; Car and Motorcycle Repair and
Maintenance
2 Industri Pengolahan | Manufacturing Industry 350,012 -25.13% 308.259 -12%
3 Penyediaan Akomodasi dan Penyediaan Makan Minum
171,966 -7.48% 158.525 -8%
Accommodation and Provision of Food and Drink
4 Konstruksi | Construction 64,200 22.92% 69.637 8%
5 Aktivitas Jasa Lainnya | Other Service Activities 42,053 57.60% 78.730 87%
6 Pengangkutan dan Pergudangan
51,454 -1.61% 50.234 -2%
Transport and Warehousing
7 Pertanian, Kehutanan dan Perikanan
27,758 50.85% 62.870 126
Agriculture, Forestry and Fisheries
8 Aktivitas Penyewaan dan Sewa Guna Usaha Tanpa Hak Opsi,
Ketenagakerjaan, Agen Perjalanan serta Penunjang Usaha
Lainnya 28,181 26.12% 45.523 62%
Leasing and Leasing Activities Without Option Rights,
Employment, Travel Agents and Other Business Support
9 Aktivitas Profesional, Ilmiah dan Teknis
21,191 25.52% 26.508 25%
Professional, Scientific and Technical Activities
10 Real Estat | Real Estate 24,061 -16.82% 14.658 -39%
11 Informasi dan Komunikasi
12,654 48.50% 19.361 53%
Information and Communication
12 Aktivitas Keuangan dan Asuransi
9,026 -3.88% 8.248 -9%
Financial and Insurance Activities
13 Aktivitas Kesehatan Manusia dan Aktivitas Sosial
8,223 -16.66% 7.169 -13%
Human Health Activities and Social Activities
14 Pertambangan dan Penggalian
- n.a 4.248 -
Mining and Quarrying
15 Pendidikan | Education 6,072 -73.91% 1.477 -76%
16 Pengelolaan Air, Pengelolaan Air Limbah, Pengelolaan dan
Daur Ulang Sampah, serta Aktivitas Remediasi
396 148.74% 1.324 234%
Water Management, Wastewater Management, Waste
Management and Recycling, and Remediation Activities
17 Pengadaan Listrik, Gas Uap/Air Panas dan Udara Dingin
Procurement of Electricity, Steam Gas/Hot Water and Cold Air
- - 517 -
Total Kredit UMKM | Total MSME Loans 1,537,200 8,41% 1.796.338 17%
Total Kredit | Total Loans 12,409,218 9,76% 15.236.939 23%
Proporsi | Proportion 12,39% -1,25% 11,79% -5%
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 329
Page 332
TANGGUNG JAWAB SOSIAL
Sosial Responsibility
KINERJA EKONOMI
Economic Performance
Hingga akhir tahun 2023 total outstanding kredit By the end of 2023, the total outstanding MSME
UMKM sebagai bagian dari RAKB maupun RBB loans as part of the RAKB and RBB was Rp1,796
tersebut adalah sebesar Rp1.796 miliar, yang billion, indicating that the distribution target for the
menunjukkan target penyaluran untuk segmen sustainable business activity segment in 2023 has
kegiatan usaha berkelanjutan di tahun 2023 telah been met, even exceeded. The percentage of the
tercapai, bahkan terlampaui. Persentase segmen MSME segment in 2023 was 11.79% of the total bank
UMKM 2023 tersebut adalah 11,79% dari total kredit loans in 2023.
Bank di tahun 2023.
DISTRIBUSI NILAI EKONOMI [GRI 201-1] ECONOMIC VALUE DISTRIBUTION [GRI 201-1]
Selaras keberhasilan meningkatkan portofolio di In line with the successful expansion of the portfolio in
tahun 2023, mengiringi berlanjutnya pemulihan 2023, following the continued recovery of the national
perekonomian nasional, Perseroan mencatatkan economy, the Company recorded an increase in
peningkatan total nilai ekonomi yang diterima, the total economic value generated, amounting to
menjadi sebesar Rp1.654,4 miliar, naik 34,0% dari nilai Rp1,654.4 billion, up 34.0% from the value of Rp1,234.48
sebesar Rp1.234,48 miliar di tahun sebelumnya. billion in the previous year.
Sebagai dampak dari peningkatan total nilai ekonomi As a result of the increase in the total economic value
yang diperoleh, Perseroan juga mencatatkan generated, the Company also recorded an increase
kenaikan distribusi nilai ekonomi. Pada tahun 2023, in economic value distribution. In 2023, the total
total nilai ekonomi yang didistribusikan adalah economic value distributed was Rp1,391.3 billion, up
sebesar Rp1.391,3 miliar, naik 34,2% dari nilai tahun 34.2% from the previous year’s value of Rp1,083.4
sebelumnya sebesar Rp1.083,4 miliar. billion.
Pada tahun 2023, Perseroan menyalurkan pendapatan In 2023, the Company disbursed operating income
operasional untuk pemilik properti yang disewa, for leased property owners, vehicle leasing service
penyedia jasa leasing kendaraan, fee untuk sistem providers, IT system usage fees, and other operating
TI yang digunakan, dan beban operasional lainnya, expenses, amounting to Rp272.1 billion. This figure
sebesar Rp272,1 miliar. Angka ini mencerminkan represents a 34.2% increase from the amount
peningkatan 34,2% dari jumlah yang disalurkan pada disbursed in 2022 of Rp222.84 billion.
2022 sebesar Rp222,84 miliar.
Pada tahun 2023, Perseroan juga menyalurkan biaya In 2023, the Company also disbursed cost of funds
dana kepada pemangku kepentingan lainnya, seperti to other stakeholders, such as depositors who placed
penyandang dana yang menempatkan dana dalam funds in the form of deposits and other savings,
bentuk deposito maupun tabungan lainnya, sebesar amounting to Rp763.4 billion, reflecting an increase of
Rp763,4 miliar, yang mencerminkan peningkatan 51.9% from the amount disbursed in 2022 of Rp502.4
51,9% dari jumlah yang disalurkan pada tahun 2022 billion.
sebesar Rp502,4 miliar.
Sebagai komitmen untuk memberikan kesejahteraan As a commitment to providing welfare and showing
dan menunjukkan apresiasi atas kerja keras karyawan, appreciation for the hard work of employees, the
Perseroan menyalurkan nilai perolehan ekonomi Company distributed economic earnings of Rp333.1
sebesar Rp333,1 miliar kepada karyawan, meningkat billion to employees, up 12.6% from the previous
12,6% dari jumlah sebelumnya sebesar Rp295,7 miliar. amount of Rp295.7 billion.
Perseroan merealisasikan kewajibannya untuk The Company fulfilled its obligation to pay income tax
membayar pajak penghasilan dan pajak badan and corporate tax to the state amounting to Rp22.6
kepada negara sebesar Rp22,6 miliar, naik 31,4% billion, up 31.4% compared to the previous year’s
dibandingkan tahun sebelumnya sebesar Rp17,2 Rp17.2 billion.
miliar.
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KINERJA EKONOMI
Economic Performance
Secara keseluruhan, Perseroan berhasil Overall, the Company successfully allocated retained
mengalokasikan nilai ekonomi yang ditahan sebesar economic value of Rp263.1 billion to support future
Rp263,1 miliar untuk mendukung pengembangan business development, an increase of 34.2% from
usaha di masa mendatang, meningkat 34,2% the previous year’s Rp196.1 billion, as described in the
dari tahun sebelumnya sebesar Rp196,1 miliar, table below.
sebagaimana tampak pada tabel di bawah ini.
2023 2022 Perubahan | Change
Uraian | Description
Rp Juta | Rp Million Nominal %
Nilai Ekonomi Langsung yang Diterima
Direct Economic Value Generated
Pendapatan Bunga
1.499.179 1.161.631 337.548 29,1%
Interest Income
Total Pendapatan operasional lainnya – bersih
155.244 72.836 82.408 113,1%
Total other operating income - net
Hasil penjualan aset tetap
17 16 1 6,3%
Proceeds from the sale of fixed assets
Jumlah nilai ekonomi langsung diterima
1.654.440 1.234.483 419.957 34,0%
Total Direct Economic Value Generated
Nilai Ekonomi Langsung yang Didistribusikan
Direct Economic Value Distributed
Beban Umum, Administrasi dan Beban Non Operasional lain
General, Administrative Expense and Other Non-Operating 272.049 222.841 49.208 22,1%
Expense
Gaji dan Tunjangan
333.147 295.748 37.399 12,6%
Salaries and Allowances
Biaya Bunga
763.380 502.440 260.940 51,9%
Interest Expense
Pembayaran kepada Pemerintah (PPh dan PPn)
22.633 17.220 5.413 31,4%
Payments to the Government (Withholding tax and VAT)
Penyaluran dana CSR bagi masyarakat
220 122 1 0,8%
CSR funds disbursement for the community
Jumlah nilai ekonomi langsung didistribusikan
1.391.429 1.038.371 352.961 34,0%
Total Direct Economic Value Distributed
Jumlah Nilai Ekonomi Ditahan
263.011 196.112 66.996 34,2%
Total Economic Value Retained
MENDUKUNG KETAHANAN PEREKONOMIAN SUPPORTING NATIONAL ECONOMIC RESILIENCE
NASIONAL BERSAMA PARA MITRA KERJA [GRI 2-6, WITH BUSINESS PARTNERS[GRI 2-6, 203-1]
203-1]
Perseroan melakukan penilaian rutin terhadap The Company conducts regular assessments of all
semua mitra pemasok atau vendor, termasuk supplier or vendor partners, including vendors that
vendor yang menyediakan barang, produk teknologi provide goods, information technology products, and
informasi, dan vendor layanan, seperti layanan sistem service vendors, such as operating system services.
operasi. Penilaian mencakup berbagai aspek seperti The assessments cover various aspects such as
kemampuan keuangan, ketenagakerjaan, maupun financial capability, employment, and the quality of
aspek kualitas barang dan jasa yang diberikan dalam goods and services provided over a specific period.
jangka waktu tertentu.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 331
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
KINERJA EKONOMI
Economic Performance
Perseroan mengelola daftar vendor mitra dan The Company manages a list of vendor partners and
pemasok barang dan jasa dengan rekam jejak yang suppliers of goods and services with satisfactory and
memuaskan dan yang memiliki rekam jejak yang unsatisfactory track records. When collaborating with
tidak memuaskan. Ketika berkolaborasi dengan these vendors, the Company mandates a declaration
vendor-vendor tersebut, Perseroan mengamanatkan of no conflict of interest and prohibits offering or
pernyataan tidak ada benturan kepentingan dan promising anything to management, and related
melarang menawarkan atau menjanjikan apa pun or unrelated employees, in the approval process to
kepada manajemen, serta karyawan terkait atau tidak provide financing or loans.
terkait, dalam proses persetujuan untuk memberikan
pembiayaan atau kredit.
Dengan memperhatikan seluruh ketentuan tersebut, With all these provisions in mind, in 2023, the company
di tahun 2023, Perseroan merealisasikan pengadaan realized the procurement of goods and services
barang dan jasa senilai total Rp272,1 miliar, dari totaling Rp272.1 billion, up from Rp222.8 billion in
Rp222,8 miliar di tahun 2022, dimana seluruhnya atau 2022, where all or 100% were procurements for local
100% merupakan pengadaan untuk pemasok lokal. suppliers. [GRI 204-1]
[GRI 204-1]
KONTRIBUSI UNTUK NEGARA CONTRIBUTION TO THE STATE
Kegiatan usaha Perseroan umumnya menghasilkan The Company’s business activities generally generate
dua kategori kontribusi kepada negara, yaitu two categories of contributions to the state: direct
kontribusi keuangan langsung dan tidak langsung, and indirect financial contributions, as well as non-
serta kontribusi non-keuangan. financial contributions.
Kontribusi keuangan langsung mengacu pada Direct financial contributions refer to payments made
pembayaran yang dilakukan oleh Perusahaan dalam by the Company in the form of corporate income tax
bentuk pajak pendapatan badan dan pungutan pajak and income tax levies. In 2023, the company’s direct
penghasilan. Pada tahun 2023, kontribusi keuangan financial contribution was Rp22.6 billion, up from
langsung Perseroan sebesar Rp22,6 miliar, naik dari Rp17.2 billion in 2021.
Rp17,2 miliar pada tahun 2021.
Perseroan memberikan kontribusi keuangan tidak The Company makes indirect financial contributions
langsung dengan berperan sebagai intermediasi by acting as an intermediary in the development of the
pengembangan segmen UMKM, yang merupakan MSME segment, which is a key component of national
komponen kunci pertumbuhan ekonomi nasional. economic growth. Additionally, the Company provides
Selain itu, Perseroan memberikan kontribusi non non-financial contributions by offering various basic
finansial dengan menyediakan berbagai infrastruktur infrastructure as part of its corporate responsibility
dasar sebagai bagian dari program tanggung jawab program.
perusahaan.
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KINERJA ASPEK LINGKUNGAN
Environmental Performance
Fenomena perubahan iklim skala global yang semakin nyata membuat
Perseroan mengintensifkan program-program dukungan pencapaian
tujuan keberlanjutan yakni penyediaan pembiayaan ramah lingkungan,
investasi portofolio ramah lingkungan serta penyelenggaraan kegiatan
operasional perbankan ramah lingkungan.
The increasingly apparent global-scale phenomenon of climate change has
prompted the Company to intensify programs supporting the achievement
of sustainability goals, including the provision of green financing, investment
in green portfolios, and eco-friendly banking operations.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 333
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
KINERJA ASPEK LINGKUNGAN
Environmental Performance
Melalui forum Paris Cooperation of Parties ke 21 (Paris Through the 21st Paris Cooperation of Parties (Paris
CoP 21) yang dilaksanakan pada tahun 2015, hampir CoP 21) held in 2015, nearly all countries worldwide
seluruh negara di dunia sepakat menempatkan isu agreed to prioritize environmental preservation as
pelestarian lingkungan menjadi salah satu topik a main topic among the 17 formulations of global-
utama pada 17 rumusan tujuan pembangunan scale Sustainable Development Goals (SDGs). The
berkelanjutan skala global - Sustainable Development agreement, known as the Paris Agreement, became
Goals (SDGs). Kesepakatan yang kemudian dikenal the basis for the Indonesian Government to run
sebagai Perjanjian Paris tersebut menjadi dasar bagi sustainability programs, one of its targets being to
Pemerintah Indonesia untuk menjalankan program- reduce CO2 emissions by up to 29% through its own
program keberlanjutan dengan salah satu targetnya efforts, or up to 41% with international assistance by
adalah mengurangi emisi CO2 hingga sebesar the year 2030.
29% dengan upaya sendiri, atau hingga 41% jika
mendapatkan bantuan internasional di tahun 2030
mendatang.
Program-program keberlanjutan tersebut ditegaskan These sustainability programs were reinforced through
melalui penerbitan Peraturan Presiden (PerPres) No. the issuance of Presidential Regulation (PerPres)
59 tahun 2017 tentang “Pelaksanaan Pencapaian No. 59 of 2017 on “Implementation of Achieving
Tujuan Pembangunan Berkelanjutan”. Peraturan Sustainable Development Goals”. This Presidential
Presiden ini kemudian diikuti dengan dibuatnya Regulation was followed by the creation of the National
Rencana Aksi Nasional (RAN) Tujuan Pembangunan Action Plan (RAN) for Sustainable Development
Berkelanjutan (TPB/SDGs) – RAN TPB, maupun Goals (TPB/SDGs) – RAN TPB, as well as the Regional
Rencana Aksi Daerah (RAD) Tujuan Pembangunan Action Plan (RAD) for Sustainable Development Goals
Berkelanjutan (TPB/SDGs) – RAD TPB. RAN TPB (TPB/SDGs) – RAD TPB. RAN TPB and RAD TPB are
beserta RAD TPB merupakan dokumen yang documents containing programs and five-year work
memuat program dan rencana kerja 5 (lima) tahunan plans for the implementation of various activities that
bagi pelaksanaan berbagai kegiatan yang secara directly and indirectly support the achievement of
langsung dan tidak langsung mendukung pencapaian SDGs according to each region’s potential.
TPB sesuai dengan potensi masing-masing daerah.
Oleh karena penanganan isu lingkungan dan Given that addressing environmental issues and
cuaca ekstrem ini memerlukan keterlibatan seluruh extreme weather conditions requires the involvement
komponen masyarakat, Perseroan sebagai salah of all components of society, the Company, as one
satu perbankan yang memiliki cabang di beberapa of the banks with branches in various regions of
wilayah Indonesia dengan nasabahnya adalah Indonesia serving medium-sized corporate clients and
korporasi menengah maupun pelaku usaha UMKM, MSME entrepreneurs, is committed to participating in
menunjukkan tekadnya untuk turut berpartisipasi supporting the achievement of these sustainability
mendukung pencapaian tujuan keberlanjutan goals.
tersebut.
KOMITMEN [GRI 303] COMMITMENT [GRI 303]
Kegiatan usaha Perseroan sebenarnya relatif tidak The Company’s business activities actually carry
membawa dampak lingkungan yang signifikan. relatively insignificant environmental impacts.
Namun demikian, Perseroan berkomitmen penuh Nonetheless, the Company is fully committed to
untuk mendukung pencapaian berbagai tujuan supporting the achievement of various environmental
keberlanjutan di bidang lingkungan dalam SDGs sustainability goals within the SDGs, along with other
bersama-sama dengan warga korporasi dunia global corporate citizens.
lainnya.
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KINERJA ASPEK LINGKUNGAN
Environmental Performance
Perseroan kini menjalankan 3 (tiga) pendekatan The Company is now implementing three (3) main
utama yang dilaksanakan dalam mendukung approaches in supporting the achievement of diverse
pencapaian beragam tujuan keberlanjutan di environmental sustainability goals. First, through the
bidang lingkungan. Pertama, melalui pemberlakuan enforcement of green financing policies; second,
kebijakan pembiayaan yang ramah lingkungan, supporting investments in financial instruments
kedua mendukung investasi instrumen keuangan and eco-friendly capital goods; and third, the
maupun investasi barang modal ramah lingkungan implementation of green operational policies.
dan ketiga implementasi kebijakan operasional
ramah lingkungan.
Guna merealisasikan dukungan pencapaian tujuan To realize the support for achieving these sustainability
keberlanjutan tersebut Perseroan telah menyusun goals, the Company has prepared the Sustainable
dokumen Rencana Aksi Keuangan Berkelanjutan Finance Action Plan 2022-2026 document, as a
2022-2026, sebagai bentuk perwujudan tingginya manifestation of the Company’s high commitment to
komitmen Perseroan dalam mendukung pencapaian supporting the achievement of sustainability goals.
tujuan keberlanjutan.
Kebijakan [GRI 303] Policy [GRI 303]
Perseroan merealisasikan komitmen pemberian The Company realizes its commitment to providing
pembiayaan dan investasi ramah lingkungan green financing and investment through the
melalui penerapan kebijakan mitigasi risiko aspek application of environmental, social, and governance
lingkungan, sosial, dan tata kelola (LST) yang telah (ESG) risk mitigation policies that have been
selesai disusun. Dalam rumusan kebijakan tersebut prepared. The policy formulation stipulates that in
ditegaskan bahwa pemberian pembiayaan untuk providing financing for customers and prospective
nasabah dan calon nasabah UMKM, nasabah MSME customers, medium to large-scale
komersial dengan skala menengah ke atas maupun commercial customers, or corporate customers, the
nasabah korporasi, Perseroan memasukkan Company includes ESG risk mitigation elements to
unsur mitigasi risiko LST dalam rangka memenuhi fulfill the Company’s commitment to supporting the
komitmen dukungan Perseroan terhadap achievement of sustainability goals. The realization of
pencapaian tujuan keberlanjutan. Realisasi investasi investment in financial instruments and capital goods
instrumen keuangan dan investasi barang modal is also implemented by considering the compliance
juga dilaksanakan dengan mempertimbangkan latar background of the issuers of financial instruments
belakang ketaatan penerbit instrumen keuangan dan and the producers of capital goods in adhering to
produsen barang modal dalam mematuhi peraturan environmental regulations.
perundangan di bidang lingkungan.
Sementara dalam rangka mewujudkan komitmen Meanwhile, in order to realize the commitment to
penyelenggaraan kegiatan operasional yang ramah conducting environmentally friendly operational
lingkungan, Perseroan semakin mengintensifkan activities, the Company is intensifying the application
penerapan Program Green Office. Dalam of the Green Office Program. In its implementation,
pelaksanaannya, Divisi SDM dan Umum bertindak the HR and General Affairs Division acts as the unit
sebagai unit yang bertanggung jawab terhadap responsible for the implementation of the green office
implementasi program green office. program.
PEMBIAYAAN BERKELANJUTAN SUSTAINABLE FINANCING
Dalam dokumen Rencana Aksi Keuangan In the Sustainable Finance Action Plan (RAKB)
Berkelanjutan (RAKB) yang telah disampaikan document submitted to OJK (Financial Services
kepada OJK, Perseroan menegaskan prioritas Authority), the Company emphasizes the priority of
penyusunan, sosialisasi dan implementasi sistim dan preparing, socializing, and implementing systems
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 335
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
KINERJA ASPEK LINGKUNGAN
Environmental Performance
kebijakan Pedoman Keuangan Berkelanjutan. Hal and policies for Sustainable Finance Guidelines. This
tersebut merupakan wujud tekad Perseroan dalam represents the Company’s determination to apply the
menerapkan konsep Keuangan Berkelanjutan secara concept of Sustainable Finance comprehensively to
utuh guna menunjukkan komitmen dukungannya demonstrate its commitment to supporting efforts to
terhadap upaya pencapaian tujuan keberlanjutan achieve sustainability goals within the SDGs, both in
dalam SDGs, baik pada aspek lingkungan maupun environmental and social aspects.
pada aspek sosial.
PENGEMBANGAN BUDAYA KEBERLANJUTAN DEVELOPING A SUSTAINABILITY CULTURE
[OJK F.1] [FS4] [OJK F.1] [FS4]
Perseroan berencana membentuk Satuan Kerja The Company plans to establish a Sustainable Finance
Keuangan Berkelanjutan sebagai bagian dari wujud Unit as part of its support for achieving sustainability
dukungan pencapaian tujuan keberlanjutan. Selain goals. In addition to forming the said unit, in the RKAB
membentuk satuan kerja dimaksud, pada RKAB yang submitted to OJK, the Company affirms efforts to build
disampaikan ke OJK, Perseroan menegaskan upaya a culture of sustainability, a culture of always being
yang akan dilakukan untuk membangun budaya mindful of the surrounding environmental conditions
keberlanjutan, yakni budaya untuk senantiasa peduli for all employees.
terhadap kondisi lingkungan sekitar bagi seluruh
jajaran karyawan.
Dalam rangka mengembangkan budaya To develop this sustainability culture, the Company
keberlanjutan tersebut, Perseroan berencana plans to manage an Internal Communication and
menjalankan Program Komunikasi dan Edukasi Education Program about Sustainable Finance
Internal tentang Nilai-Nilai Keuangan berkelanjutan, Values, covering three fundamental aspects: profit,
yang mencakup 3 aspek fundamental, yaitu profit, people, and planet. This internal communication
people dan planet. Program komunikasi internal ini program is conducted through electronic and non-
dilakukan melalui media komunikasi elektronik dan electronic communication media, with materials
non elektronik dengan materi antara lain mencakup: including:
a. Kampanye pengurangan penggunaan kertas. a. Campaign to reduce paper consumption.
b. Kampanye pengurangan pembelian minuman b. Campaign to reduce the purchase of bottled
dalam kemasan. drinks.
c. Kampanye penggunaan tumbler di lingkup c. Campaign to use tumblers in indoor operational
kegiatan operasional dalam ruangan. activities.
d. Kampanye mematikan beberapa lampu saat d. Campaign to turn off some lights during breaks.
istirahat.
e. Kampanye hemat air. e. Water conservation campaign.
f. Menyertakan karyawan pada kegiatan Tanggung f. Involving employees in Social Responsibility
Jawab Sosial, dan lain-lain. activities, among others.
Perseroan juga akan menggali potensi penyaluran The Company will also explore the potential for
pembiayaan maupun investasi instrumen keuangan financing or investing in financial instruments
pada sektor-sektor yang termasuk ke dalam kategori in sectors included in the category of 12 (twelve)
12 (dua belas) kegiatan usaha berkelanjutan dan sustainable business activities and MSMEs, which
UMKM yang mencakup antara lain: include, among others:
1. Energi Terbarukan 1. Renewable Energy
2. Efisiensi Energi 2. Energy Efficiency
3. Pencegahan dan Pengendalian Polusi 3. Pollution Prevention and Control
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KINERJA ASPEK LINGKUNGAN
Environmental Performance
4. Pengelolaan Sumber Daya Alam Hayati dan 4. Sustainable Management of Living Natural
Penggunaan Lahan yang Berkelanjutan Resources and Land Use
5. Konservasi Keanekaragaman Hayati Darat dan Air 5. Conservation of Terrestrial and Aquatic Biodiversity
6. Transportasi Air dan Air Limbah yang Berkelanjutan 6. Sustainable Water and Wastewater Transport
7. Pengelolaan Air dan Air Limbah yang Berkelanjutan 7. Sustainable Water and Wastewater Management
8. Adaptasi Perubahan Iklim 8. Climate Change Adaptation
9. Produk yang Dapat Mengurangi Penggunaan 9. Eco-Efficient Products that Reduce Resource Use
Sumber Daya dan Menghasilkan Lebih Sedikit and Generate Less Pollution
Polusi (Eco-Efficient)
10. Bangunan Berwawasan Lingkungan yang 10. Environmentally Friendly Buildings that meet
memenuhi Standar atau Sertifikasi yang Diakui National, Regional, or International Standards or
Secara Nasional, Regional atau Internasional Certification
11. Kegiatan Usaha dan/atau Kegiatan Lain dari 11. Business Activities and/or Other Activities from
Kegiatan Usaha Berwawasan Lingkungan Lainnya Other Environmental Vision Activities
12. Usaha Mikro, Kecil, dan Menengah (UMKM) 12. Micro, Small, and Medium Enterprises (MSMEs)
Untuk penyaluran Kredit pada Usaha Mikro, Kecil, dan Loan disbursement to Micro, Small and Medium
Menengah (UMKM) sampai dengan akhir Desember Enterprises (MSMEs) until the end of December
tahun 2023 mencapai Rp1.796.339 juta atau 11,79% 2023 reached Rp1,796,339 million or 11.79% of the
dari total penyaluran kredit Perseroan dalam tahun Company’s total loan disbursement in 2023.
2023.
PROGRAM GREEN OFFICE GREEN OFFICE PROGRAM
Perseroan mewujudkan komitmen untuk senantiasa The Company realizes its commitment to implement
menerapkan kegiatan operasional yang ramah eco-friendly operational activities through the
lingkungan melalui penyusunan dan penerapan preparation and implementation of the Nobu Bank
Program Green Office Nobu Bank, mencakup: Green Office Program, including:
1. Digitalisasi untuk mengurangi dampak lingkungan 1. Digitization to reduce environmental impact
2. Efisiensi penggunaan energi dan pengelolaan 2. Energy consumption efficiency and emissions
emisi management
3. Efisiensi penggunaan air 3. Water consumption efficiency
4. Pengurangan penggunaan air minum dalam 4. Reduction in the use of bottled drinking water
kemasan
5. Efisiensi penggunaan kertas 5. Paper consumption efficiency
Konsistensi dalam menjalankan kegiatan operasional Consistency in implementing green operational
ramah lingkungan tersebut kembali membuahkan activities again yielded good results, as throughout
hasil yang baik, yakni sepanjang tahun 2023, 2023, the Company did not receive any complaints
Perseroan tidak menerima satupun pengaduan related to environmental issues and did not receive
terkait isu lingkungan dan tidak menerima denda dan fines and non-monetary sanctions for non-compliance
sanksi non-moneter karena ketidakpatuhan terhadap with environmental laws and regulations. [GRI 307-1]
Undang-Undang dan Peraturan terkait lingkungan.
[GRI 307-1]
Digitalisasi Untuk Mengurangi Dampak Lingkungan Digitization to Reduce Environmental Impact
Selain dalam rangka merespons meningkatnya In addition to responding to the increasing need
kebutuhan transaksi berbasis digital di era industri for digital-based transactions in the era of industry
4.0, Perseroan mengintensifkan implementasi inisiatif 4.0, the Company intensifies the implementation of
digitalisasi dalam rangka mengurangi dampak digitization initiatives to reduce the environmental
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 337
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
KINERJA ASPEK LINGKUNGAN
Environmental Performance
lingkungan dari aktivitas operasional yang dijalankan impact of operational activities while optimizing the
sekaligus optimasi investasi digitalisasi yang telah digitalization investments that have been made,
dilakukan, baik dalam rangka menyediakan produk both in providing financial products and services
dan layanan keuangan maupun dalam menjalankan and in running internal business processes. The
proses bisnis internal. Perseroan menerapkan Company implements the use of digital platforms for
pemanfaatan platform digital untuk layanan sumber human resource services with the Human Resource
daya manusia dengan Human Resource Information Information System (HRIS), e-learning, and others,
System (HRIS), e-learning dan lain-lain, guna to reduce the environmental impact of energy, water,
mengurangi dampak lingkungan dari penggunaan and paper use, as the implementation of these digital-
energi, air, dan kertas, karena berkat implementasi based administrative systems means employees no
sistim administrasi berbasis digital tersebut membuat longer need to use paper for HR applications. The
pegawai tidak perlu lagi menggunakan kertas untuk Company will periodically enhance service capabilities
aplikasi kepersonaliaan. Perseroan secara berkala by intensifying end-to-end transaction processing in a
akan meningkatkan kapabilitas layanan dengan paperless manner according to customer needs.
mengintensifkan pemrosesan transaksi end-to-end
secara paperless sesuai dengan kebutuhan nasabah.
Efisiensi Konsumsi Energi dan Pengelolaan Emisi Energy Consumption Efficiency and Environmental
GRK Lingkungan [OJK F.6] [GRI 302-1, 302-2, 302-4] GHG Emission Management [OJK F.6] [GRI 302-1, 302-2,
302-4]
Perseroan hanya menggunakan dua jenis sumber The Company only uses two types of energy sources,
energi, yakni tenaga listrik yang seluruhnya namely electricity entirely supplied by PLN and fuel.
dipasok oleh PLN dan BBM. Tenaga listrik dari PLN Electricity from PLN is used for lighting and operating
digunakan untuk penerangan dan menjalankan all electronic and electrical devices at the headquarters
seluruh perangkat elektronik maupun perangkat and branch offices. Meanwhile, fuel is used to support
listrik di kantor pusat maupun kantor-kantor cabang. employee mobility in face-to-face interactions with
Sementara BBM digunakan untuk mendukung customers, prospective customers, or during field
mobilitas pegawai dalam menjalin interaksi tatap visits for due diligence or regular monthly/quarterly
muka dengan para nasabah, calon nasabah maupun reviews.
dalam rangka kunjungan lapangan saat due diligence
maupun saat review rutin bulanan/kuartalan.
Perseroan berupaya mengelola konsumsi listrik The Company strives to manage electricity
dari PLN dengan menerapkan berbagai kebijakan consumption from PLN by implementing various
operasional sebagai bagian dari penerapan inisiatif operational policies as part of the Green Office
Green Office, mencakup: [OJK F.7] initiative implementation, such as: [OJK F.7]
• Menghimbau agar seluruh karyawan mematikan • Mandating all employees to turn off and unplug
dan melepas peralatan elektronik pribadi saat personal electronic devices when leaving the office.
pulang kantor.
• Menetapkan batasan suhu pendingin di ruangan- • Setting air conditioning temperature limits in office
ruangan di kantor, baik di Kantor Pusat maupun rooms, both at the Headquarters and branch
kantor cabang. offices.
• Menghimbau karyawan untuk mematikan lampu • Urging employees to turn off lights and AC when
dan AC saat mereka telah selesai bertugas di they have finished their duties at the Office.
Kantor.
• Menginstruksikan karyawan outsourcing (Office • Instructing outsourcing employees (Office Boy/
Boy/Office Girl dan Security) untuk mematikan Office Girl and Security) to turn off Lights and AC
Lampu dan AC untuk area kerja yang sudah for areas that are vacant.
kosong.
338 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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KINERJA ASPEK LINGKUNGAN
Environmental Performance
• Intensifikasi penggunaan fasilitas rapat dengan • Intensification of the use of meeting facilities with
video conference yang dilaksanakan secara efektif video conferences that are conducted effectively
dan efisien. and efficiently.
Sementara untuk mengelola konsumsi BBM, Meanwhile, to manage fuel consumption, the
Perseroan menjalankan berbagai inisiatif, meliputi: Company implements various initiatives, including:
• Pengaturan penggunaan mobil operasional di • Managing the use of operational vehicles at the
Kantor Pusat & Kantor Cabang. Head Office & Branch Offices.
• Pengelolaan jam kerja dan jam lembur driver • Managing working hours and overtime hours for
untuk mobil operasional. drivers of operational vehicles.
• Pengaturan aktivitas tim sales & RCM melalui • Regulating the activities of sales & RCM teams
implementasi kebijakan “New Normal”, dimana through the implementation of “New Normal”
aktivitas pertemuan dengan para nasabah policies, where meetings with customers
maupun calon nasabah diprioritaskan untuk or prospective customers are prioritized to
dilaksanakan melalui telepon atau media be conducted via phone or other electronic
komunikasi elektronik lainnya. communication media.
Berbagai inisiatif yang diterapkan tersebut membuat The various initiatives implemented have managed
pertumbuhan konsumsi listrik maupun BBM terkelola the growth of electricity and fuel consumption well, as
dengan baik, sebagaimana ditunjukkan dalam tabel described in the following table.
berikut.
Tabel Konsumsi Energi [GRI 302-1, 302-3, 302-4]
Energy Consumption
Uraian Satuan Pertumbuhan
2021* 2022* 2023
Description Unit Growth 2023
Konsumsi Listrik
KWh 3.495.718 3.999.655 4.265.964 6,66%
Electricity Consumption
Konsumsi BBM
Liter 119.145 127.475 459.925 260,80%
Fuel Consumption
Konversi | Conversion
Konsumsi Listrik
G Joule 12.582 14.396 15.355 6,66%
Electricity Consumption
Konsumsi BBM
G Joule 4.789 5.124 18.487 260,80%
Fuel Consumption
Total Konsumsi Energi
G Joule 17.372 19.520 33.842 73,37%
Total Energy Consumption
Luas Ruangan
M2 19.815 19.815 19.815 0,00%
Space Size
Intensitas Konsumsi Energi Listrik
Intensity of Electrical Energy GJoule/M2 0,63 0,73 1,71 133,96%
Consumption
(*) Catatan : Konversi Energi ke G Joule dihitung ulang menggunakan:
Perhitungan konversi energi BBM mengacu pada The Greenhouse Gas Protocol Initiative, 2004.
Konversi energi listrik mengacu pada Faktor Konversi sistem Jamali Dirjen Ketenagalistrikan ESDM - 2019
(*) Note: Energy Conversion to G Joules is recalculated using:
The calculation of fuel energy conversion refers to The Greenhouse Gas Protocol Initiative, 2004.
Electrical energy conversion refers to the Jamali system Conversion Factor Director General of Electricity ESDM - 2019
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 339
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
KINERJA ASPEK LINGKUNGAN
Environmental Performance
Berdasarkan data pengelolaan atau konsumsi energi Based on the above data on energy management or
tersebut diatas, Perseroan mencatatkan besaran consumption, the Company recorded the amount of
emisi CO2 yang dihasilkan, sebagaimana ditampilkan CO2 emissions produced, as shown in the following
dalam tabel-tabel berikut. tables.
Tabel Emisi CO2 [OJK F.11, F.12] [GRI 305-1, 305-2, 305-4, 305-5]
CO2 Emissions
Uraian Satuan Pertumbuhan
2021* 2022* 2023
Description Unit Growth 2023
Emisi Tak Langsung dari Listrik
Ton CO2eq 3.041,27 3.479,70 3.711,39 6,66%
Indirect Emissions from Electricity
Emisi Langsung dari BBM
Ton CO2eq 331,85 355,05 1.281,01 260,80%
Direct Emissions from Fuel
Luas Ruangan
M2 19.815 19.815 19.815 0,00%
Space Size
Intensitas Emisi Konsumsi Listrik
Emission Intensity of Electricity Ton CO2eq/M2 0,15 0,18 0,25 39,97%
Consumption
(*) Catatan : Emisi GRK Dihitung ulang menggunakan rujukan IPCC 2006 & faktor konversi RON 90 ESDM 2021
(*) Note: GHG Emissions Recalculated using IPCC 2006 reference & RON 90 ESDM conversion factor 2021
Pengelolaan Konsumsi Air [OJK F.8] Water Consumption Management [OJK F.8]
Dalam rangka meningkatkan efisiensi konsumsi air, In order to improve water consumption efficiency,
Perseroan mengintensifkan kampanye “gunakan air the Company intensifies the “use water as needed”
secukupnya” untuk pemakaian air di toilet, mushalla, campaign for water usage in toilets, prayer rooms,
kantin, untuk mesin pendingin udara dan beberapa canteens, for air conditioning machines, and several
aktivitas lainnya. Pemenuhan kebutuhan air untuk other activities. The fulfillment of water needs for
keperluan MCK di lingkup Kantor-kantor Perseroan sanitary purposes within the Company’s offices
dilakukan dengan mengandalkan pasokan dari relies on the supply from the Regional Drinking Water
Perusahaan Daerah Air Minum (PDAM). Konsumsi Company (PDAM). The water consumption for the
penggunaan air untuk fasilitas gedung Kantor Pusat facilities of the Head Office building throughout 2023
sepanjang tahun 2023 dan perbandingannya dengan and its comparison with 2022 is described in the table
tahun 2022 dapat dilihat pada tabel di bawah ini: below:
Tabel Konsumsi Air [OJK F.8]
Water Consumption
Uraian Satuan Pertumbuhan
2021 2022 2023
Description Unit Growth 2023
Volume Pemakaian Air dari PDAM
M3 101.548 214.485 414.536 93,27%
Water Consumption Volume from PDAM
Fasilitas Kantor | Office Facilities M3 n.a n.a n.a n.a
Kantin | Canteen M3 n.a n.a n.a n.a
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KINERJA ASPEK LINGKUNGAN
Environmental Performance
Pengurangan Penggunaan Air Minum Dalam Reduction of Bottled Drinking Water Consumption
Kemasan
Perseroan berupaya menghemat konsumsi air The Company strives to save drinking water
minum, sekaligus mengurangi sampah plastik consumption while also reducing plastic waste within
di lingkup kantor-kantor operasional dengan the operational office premises by implementing the
menerapkan inisiatif berikut: following initiatives:
• Melarang penggunaan air minum dalam • Prohibiting the use of bottled drinking water in
kemasan dilingkungan kantor, dan mewajibkan the office environment and requiring employees
para karyawan membawa tumbler sendiri, yang to bring their own tumblers, which can be carried
bisa dibawa saat rapat maupun melaksanakan during meetings or while conducting office
kegiatan kantor. activities.
• Menyediakan pitcher dan gelas minum untuk • Providing pitchers and drinking glasses for guest
konsumsi tamu peserta kegiatan meeting, consumption during meetings, while meeting
sementara karyawan peserta meeting membawa participants bring their own tumblers.
tumbler sendiri.
Dalam rangka mendukung upaya pengurangan To support the effort to reduce plastic waste, the
sampah plastik ini, Perseroan juga menerapkan Company also implements policies to avoid financing
kebijakan menghindari pembiayaan UMKM yang MSMEs engaged in the provision of single-use plastic
bergerak dibidang penyediaan kemasan plastik sekali packaging.
pakai.
Pengurangan Konsumsi Kertas Reduction of Paper Consumption
Perseroan mendorong pemanfaatan perangkat The Company promotes the use of electronic devices
elektronik untuk menggantikan penggunaan kertas to replace the use of paper as a strategic effort
sebagai upaya strategis yang dijalankan guna to reduce paper consumption in daily operational
mengurangi penggunaan kertas dalam kegiatan activities. The Company also promotes paperless
operasional sehari-hari. Perseroan juga mendorong activities in preparing financing proposals. In addition,
dilakukannya aktivitas tanpa kertas (paperless) dalam simple operational initiatives are still applied, such as:
mempersiapkan proposal-proposal pembiayaan.
Selain itu, inisiatif operasional sederhana juga tetap
diterapkan, seperti:
• Memilah kertas yang masih layak pakai dan • Sorting reusable paper and preparing storage
menyiapkan kotak penyimpanan di area mesin boxes in the printer area.
printer.
• Memberikan himbauan di area mesin printer untuk • Providing advice in the printer area to use reusable
sebisa mungkin menggunakan kertas bekas layak paper as much as possible for printing document
pakai untuk mencetak draf-draf dokumen. drafts.
• Memprioritaskan penggunaan dokumen • Prioritizing the use of digital documents for
digital dalam kegiatan surat menyurat, jika correspondence, where possible, and online media
memungkinkan, maupun media daring saat when sending invitations.
menyampaikan undangan.
Biaya Pemeliharaan Lingkungan [OJK F.4] Environmental Conservation Costs [OJK F.4]
Sampai akhir tahun 2023, Perseroan masih By the end of 2023, the Company has not yet
belum melakukan perhitungan dan dokumentasi performed the calculation and documentation of
penggunaan dana operasional untuk program- operational funds used for environmental conservation
program partisipasi pelestarian lingkungan yang participation programs.
dijalankan.
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
PENGEMBANGAN DAN PEMBERDAYAAN
MASYARAKAT
Community Development and Empowerment
Perseroan merealisasikan program Pengembangan dan
Pemberdayaan Masyarakat sebagai wujud komitmen untuk
berkontribusi pada upaya pencapaian keseimbangan pembangunan
ekonomi, peningkatan kualitas hidup masyarakat dan kelestarian
lingkungan. Tujuan pelaksanaan program adalah optimalnya manfaat
ekonomi dan meningkatnya kesejahteraan para penerima manfaat
dalam jangka panjang, selain terjaganya kelestarian lingkungan.
The Company realizes the Community Development and Empowerment
Program as a manifestation of its commitment to contribute to efforts to
achieve economic development balance, improve the quality of life of the
community, and environmental sustainability. The goal of implementing
the program is the optimization of economic benefits and the long-
term improvement of the welfare of the beneficiaries, in addition to
maintaining environmental sustainability.
342 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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PENGEMBANGAN DAN PEMBERDAYAAN MASYARAKAT
Community Development and Empowerment
Perseroan mewujudkan komitmen pelaksanaan The Company realizes its commitment to
Tanggung Jawab Sosial Kemasyarakatan (Corporate implementing Corporate Social Responsibility
Social Responsibilities – CSR), khususnya (CSR), particularly in Community Development
Pengembangan dan Pemberdayaan Masyarakat and Empowerment, by striving to actualize various
dengan berupaya merealisasikan beragam program business development and community development
pengembangan usaha dan pengembangan programs to achieve a balance in sustainability
masyarakat agar tercapai keseimbangan kinerja performance in economic, social, and environmental
keberlanjutan pada aspek ekonomi, sosial maupun aspects. The Company works hard to balance such
lingkungan. Perseroan berusaha keras untuk sustainability performance as a form of implementing
menyeimbangkan kinerja keberlanjutan tersebut the mandate accompanying its fundraising and fund
sebagai bentuk pelaksanaan mandat yang diemban distribution activities.
mengiringi kegiatan penggalangan dan penyaluran
dana yang dijalankan.
DASAR HUKUM DAN KEBIJAKAN [GRI-3-3] LEGAL BASIS AND POLICY [GRI-3-3]
Dasar Hukum Legal Basis
Perseroan menjalankan kegiatan CSR dengan The Company conducts CSR activities based on
mengacu pada berbagai peraturan perundangan various relevant laws and regulations, including:
yang berlaku, meliputi:
1. Undang-Undang No. 40 Tahun 2007 tanggal 16 1. Law No. 40 of 2007 dated August 16, 2007, on
Agustus 2007 tentang Perseroan Terbatas. Limited Liability Companies.
2. Peraturan Pemerintah Republik Indonesia No. 47 2. Government Regulation of the Republic of
Tahun 2012 tanggal 4 April 2012 tentang Tanggung Indonesia No. 47 of 2012 dated April 4, 2012, on the
Jawab Sosial dan Lingkungan Perseroan Terbatas. Social and Environmental Responsibility of Limited
Liability Companies.
3. POJK No. 8/POJK.04/2015 tanggal 26 Juni 2015 3. OJK Regulation No. 8/POJK.04/2015 dated June
tentang Situs Web Emiten atau Perusahaan Publik, 26, 2015, on the Website of Issuers or Public
Pasal 6 poin d dan Pasal 5 mengenai Tanggung Companies, Article 6 point d and Article 5 regarding
Jawab Sosial Perusahaan. Corporate Social Responsibility.
4. Surat Edaran Otoritas Jasa Keuangan No. 30/ 4. Circular of the Financial Services Authority No. 30/
SEOJK.04/2016. SEOJK.04/2016.
Kebijakan Policy
Kebijakan Internal yang digunakan sebagai dasar Internal Policies serving as the basis for the
pelaksanaan program-program CSR-Pengembangan implementation of CSR-Community Development
dan Pemberdayaan Masyarakat adalah berbagai and Empowerment programs include various
keputusan Dewan Komisaris maupun Direksi yang decisions by the Board of Commissioners or
disusun dengan mengacu pada Anggaran Dasar Directors, structured with reference to the Company’s
Perusahaan dan berbagai keputusan RUPS terkait. Articles of Association and various General Meeting
Kebijakan internal tersebut menunjukkan tingginya of Shareholders’ decisions. These internal policies
komitmen Perseroan untuk berperan serta bagi demonstrate the Company’s high commitment
tercapainya berbagai tujuan pembangunan ekonomi to participating in achieving various sustainable
yang berkelanjutan, yang akan dapat meningkatkan economic development goals, which will improve the
kualitas hidup maupun kesejahteraan dalam jangka quality of life and wellbeing in the long term.
panjang.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 343
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
PENGEMBANGAN DAN PEMBERDAYAAN MASYARAKAT
Community Development and Empowerment
PENYUSUNAN PROGRAM [OJK F.23] [GRI 413-1] PROGRAM PLANNING [OJK F.23] [GRI 413-1]
Agar pelaksanaan program-program CSR yang akan To ensure the best results from the CSR programs
dijalankan memberi hasil terbaik, perencaan program to be implemented, program planning is conducted
dilakukan dengan terlebih dahulu menjalin komunikasi by first establishing intensive communication with
intensif dengan para pemangku kepentingan, agar stakeholders, to align with the needs of the local
sesuai dengan kebutuhan masyarakat setempat, community and to explore potential for optimization.
sekaligus untuk menggali potensi yang dapat [GRI 413-1]
dioptimalkan. [GRI 413-1]
Perseroan juga memperhatikan situasi dan The Company also considers current situations and
perkembangan terkini yang harus dioptimalkan developments that need to be optimized alongside
mengiringi pulihnya mobilitas masyarakat pasca the recovery of community mobility post the COVID-19
berakhirnya status pandemi COVID-19. Pulihnya pandemic. The recovery of community mobility also
mobilitas masyarakat berarti juga meningkatnya means increased demand for various daily necessities,
permintaan berbagai barang kebutuhan sehari-hari, as well as demand for transportation and tourism
maupun permintaan layanan jasa transportasi dan services. Considering these recent developments,
pariwisata. Mempertimbangkan perkembangan along with all stakeholders, the Company agrees to
terakhir tersebut, bersama seluruh pemangku make entrepreneurship competency and financial
kepentingan, Perseroan sepakat untuk menjadikan literacy enhancement programs as one of the main
program peningkatan kompetensi kewirausahaan dan programs in 2023. The goal is to provide opportunities
literasi keuangan menjadi salah satu program utama for the community to optimally benefit from the
di tahun 2023. Targetnya adalah memberi kesempatan increased daily needs demand from small and
kepada masyarakat agar dapat memperoleh benefit medium enterprises they manage and develop
optimal dari meningkatnya permintaan kebutuhan resulted from the support of related CSR program
sehari-hari dari usaha kecil maupun menengah yang implementation.
mereka kelola dan kembangkan berkat dukungan
pelaksanaan program CSR terkait.
REALISASI PROGRAM [OJK F.25] PROGRAM REALIZATION [OJK F.25]
Mulai tahun 2023, Perseroan lebih memprioritaskan Starting in 2023, the Company has prioritized the
pelaksanaan program pada aspek kesehatan dan implementation of programs focusing on health and
olah raga. Program ini diprioritaskan agar memberi sports. This prioritization is designed to provide the
manfaat terbaik pada saat yang tepat, yakni greatest benefit at the most appropriate time, namely
membaiknya permintaan konsumsi domestik akibat the improvement in domestic consumption demand
pulihnya mobilitas masyarakat. Pelaksanaan program due to the recovery of public mobility. The execution of
ini diharapkan membuat penerima manfaat, yakni this program is expected to deliver optimal benefits to
masyarakat kurang mampu dan anak-anak dapat its recipients, namely the less fortunate and children,
memperoleh benefit optimal, yakni meningkatnya by enhancing their health and fitness levels so they
kualitas kesehatan dan kebugaran sehingga dapat can perform economic activities more effectively and
melakukan aktivitas ekonomi dengan lebih baik indirectly contribute to an improved standard of living.
dan secara tidak langsung berkontribusi pada
peningkatan taraf hidup.
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PENGEMBANGAN DAN PEMBERDAYAAN MASYARAKAT
Community Development and Empowerment
Kegiatan CSR 1 Kegiatan CSR 2 Kegiatan CSR 3
CSR 1 Activities CSR 2 Activities CSR 3 Activities
Kegiatan Kegiatan Bakti Sosial PAOGI Donasi Pembinaan Pemain Program Bantuan Pembayaran
FKUI “Peduli Reproduksi Wanita” Muda & Pelatih ROAR Bola Iuran Peserta Mandiri BPJS
Activities di Desa Cijeruk, Sentul, Jawa Basket Jakarta Kesehatan
Barat
Donations for the Development Donation for the membership
PAOGI FKUI Social Service of Young Players & Coaches for of BPJS Kesehatan for
Activity “Care for Women’s ROAR Basketball Jakarta underprivileged
Reproduction” in Cijeruk Village,
Sentul, West Java
Mitra PAOGI FKUI ROAR Bola Basket Jakarta BPJS Kesehatan
Partners
Nilai Kegiatan Rp30.000.000 (tiga puluh juta Rp40.000.000 (empat puluh juta Rp150.000.000 (seratus lima
Rupiah) Rupiah) puluh juta Rupiah)
The Cost
Rp30,000,000 (thirty million Rp40,000,000 (fourty million Rp150,000,000 (one hundred and
Rupiah) Rupiah) fifty million Rupiah)
Detil Kegiatan 1. Penyuluhan Donasi Pembinaan Pemain & Bantuan Pembayaran Iuran
2. Deteksi Dini Kanker Serviks Pelatih Klub ROAR Basketball Peserta Mandiri BPJS Kesehatan
Activities in detail dengan Pemeriksaan IVA Club Jakarta
(inspeksi Visual Asam Asetat). Donation for the membership
3. Pemasangan KB Implan Donations for the Development of BPJS Kesehatan for
4. Workshop Arteriovenous of Young Players & Coaches for underprivileged
Malformation (AVM) bagi ROAR Basketball Jakarta
Program Pendidikan Dokter
Spesialis (PPDS)
1. Counseling
2. Early Detection of Cervical
Cancer with IVA Examination
(Visual Acetic Acid
Inspection).
3. Installation of birth control
implants
4. Arteriovenous Malformation
(AVM) Workshop for Specialist
Medical Education Programs
(PPDS)
Waktu Mei 2023 November 2023 Desember 2023
Pelaksanaan
May 2023 November 2023 December 2023
Date of execution
INVESTASI SOSIAL CSR CSR SOCIAL INVESTMENT
Adapun total investasi sosial sepanjang 2023 yang The total social investment throughout 2023 allocated
direalisasikan untuk pelaksanaan program-program for the implementation of Social Community
CSR Pengembangan Sosial Kemasyarakatan adalah Development CSR programs was Rp220 million (2022:
sebesar Rp220 juta (2022: Rp122 juta). Rp122 million).
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 345
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
PENGELOLAAN SUMBER DAYA MANUSIA
Human Resource Management
Meyakini para karyawan adalah aset yang paling berharga dalam
mendukung pencapaian tujuan jangka panjang, Perseroan senantiasa
berupaya menghadirkan lingkungan kerja yang kondusif, menyediakan
kesempatan setara bagi pengembangan pribadi maupun karir bagi
mereka, serta memberikan remunerasi yang kompetitif sesuai kinerja
dan kemampuan Perusahaan.
Affirming that employees are the most valuable asset in supporting the
achievement of long-term goals, the Company consistently strives to
provide a conducive working environment, offer equal opportunities for
personal and career development, and provide competitive remuneration
in line with the Company’s performance and capability.
346 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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PENGELOLAAN SUMBER DAYA MANUSIA
Human Resource Management
Perseroan meyakini bahwa sumber daya manusia The Company believes that human resources (HR) or
(SDM) atau para karyawan adalah aset yang paling employees are the most valuable assets in supporting
berharga dalam mendukung keberhasilan meraih the success of achieving added value for shareholders,
nilai tambah bagi para pemegang saham, nasabah customers, and other stakeholders. They are also one
maupun pemangku kepentingan. Mereka juga of the stakeholders and strategic business partners
merupakan salah satu pemangku kepentingan dan with a central role and position as the spearhead and
partner usaha strategis dengan peran dan kedudukan determinant of the Company’s success in realizing its
sentral sebagai ujung tombak dan penentu vision and executing its mission.
keberhasilan Perusahaan dalam mewujudkan visi
dan melaksanakan misinya.
Oleh karenanya, Perseroan berupaya secara As such, the Company strives to maximize its
maksimal mewujudkan komitmen menghadirkan commitment to creating a conducive and pleasant
lingkungan kerja yang kondusif dan menyenangkan working environment for employees, providing
bagi para karyawan, memberi remunerasi yang competitive remuneration, and offering equal
kompetitif, serta menyediakan kesempatan setara opportunities for personal and career development.
bagi pengembangan pribadi dan karir mereka. Bagi For the Company, the main goal of HR management is
Perseroan, tujuan utama pengelolaan SDM adalah to give employees the opportunity to develop according
memberi kesempatan kepada para karyawan untuk to their best potential and to allow them to perform at
berkembang sesuai potensi terbaik yang dimiliki serta their best in order to support the development of a
memberi kesempatan mereka agar berkinerja terbaik quality and sustainable business scale. [GRI 3-3]
dalam rangka mendukung pengembangan skala
usaha yang berkualitas dan berkesinambungan.
[GRI 3-3]
KEBIJAKAN UMUM [OJK F.18, GRI 3-3] GENERAL POLICY [OJK F.18, GRI 3-3]
Perseroan menetapkan persamaan hak dan The Company establishes equal rights and equal
kesetaraan kesempatan dalam mengembangkan opportunities in developing competencies, undergoing
kompetensi, menjalani penilaian kinerja dan performance assessments, career advancement,
peningkatan jenjang karir dan dalam menerima paket and receiving performance-based remuneration
remunerasi sesuai kinerjanya sebagai kebijakan packages as a general policy of HR management.
umum pengelolaan SDM.
Kesetaraan dalam Pengelolaan SDM [GRI 405-1] Equality in HR Management [GRI 405-1]
Prinsip non-diskriminasi dalam segala hal diterapkan The principle of non-discrimination in all aspects
secara konsisten, termasuk pemberian kesempatan is consistently applied, including providing equal
yang sama bagi perempuan (gender equity and opportunities for women (gender equity and equality)
equality) untuk mendapatkan pekerjaan di lingkup to obtain employment within the Company as long
Perseroan sejauh memenuhi persyaratan. Prinsip- as they meet the requirements. These principles of
prinsip non-diskriminasi dan kesetaraan ini juga non-discrimination and equality are also manifested
diwujudkan dalam penetapan karir struktural, in the determination of structural, operational, and
operasional maupun fungsional bahkan sampai functional careers, even to the highest level in the
jenjang tertinggi dalam struktur organisasi. organizational structure.
Perseroan menghormati dan menghargai kebe- The Company respects and values diversity of race,
ragaman suku bangsa, gender, kewarganegaraan, gender, nationality, ethnicity, and religion, as well as
etnis dan agama, serta juga keragaman pendapat diversity of opinions, experiences, and talents.
maupun pengalaman dan talenta.
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Komitmen Perseroan dalam membangun lingkungan The Company’s commitment to building a diverse
kerja yang beragam dan inklusif terefleksi pada and inclusive work environment is reflected in the
komposisi karyawan. Per akhir tahun 2023, total composition of its employees. As of the end of 2023,
karyawan Perseroan adalah 1.247 orang terdiri dari the total number of Company employees is 1,247,
600 (48,12%) karyawan laki-laki dan 647 (51,88%) consisting of 600 (48.12%) male employees and 647
karyawan perempuan. (51.88%) female employees.
Pada proses pengisian berbagai jenjang jabatan, In the process of filling various job levels, the policy of
kebijakan kesetaraan kesempatan juga diterapkan equal opportunity is also consistently applied, ensuring
dengan konsisten, sehingga proporsi karyawan the proportion of female and male employees is
perempuan dan karyawan laki-laki relatif terjaga. Hal relatively maintained. This is evident in the composition
tersebut tampak pada komposisi jajaran manajemen of the top management team, and the composition
puncak, dan komposisi karyawan menurut jenjang of employees according to the following job levels.
jabatan berikut. [GRI 405-1] [GRI 405-1]
Demografi Karyawan Berdasarkan Gender (orang) [GRI 2-7, 405-1]
Employee Demographic by Gender (person)
2021 2022 2023
Jenis Kelamin
Gender Komposisi Komposisi Komposisi
Total Total Total
Composition Composition Composition
Laki-laki | Male 513 43 % 557 47 % 600 48,12 %
Perempuan | Female 686 57% 635 53 % 647 51,88 %
Total 1.199 100% 1.192 100% 1.247 100,0%
Komposisi Jabatan Manajemen Puncak Berdasarkan Umur dan Gender [GRI 405-1]
Top Management Position Composition by Age and Gender
2022 2023
Usia
Age Laki-Laki Perempuan Komposisi Laki-Laki Perempuan Komposisi
Total Total
Male Female Composition Male Female Composition
31 hingga 40 Tahun
0 0 0 0% 0 0 0 0%
30 to 40 Years old
Diatas 40 Tahun
4 0 4 100% 4 0 4 100%
Above 40 Years old
Total 4 0 4 100% 4 0 4 100%
Komposisi Karyawan Berdasarkan Jenjang Jabatan dan Gender [GRI 405-1]
Employee Demographic by Position Level and Gender
2022 2023
Jabatan
Position Laki-Laki Perempuan Komposisi Laki-Laki Perempuan Komposisi
Total Total
Male Female Composition Male Female Composition
Direktur | Director 4 0 4 0.3% 4 0 4 0,32%
Manager 223 149 372 27.4% 234 165 399 32,00%
Supervisor 151 218 369 31.0% 164 233 397 31,84%
Staf lainnya | Other 447
179 268 447 41.3% 198 249
staffs 35,84%
Total 557 635 1.192 100,0% 600 647 1.247 100,0%
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Adapun data demografi karyawan menurut usia, The demographic data of employees by age, education
tingkat pendidikan, status ketenagakerjaan, lokasi level, employment status, work location, years of
kerja, masa kerja dan sebagainya dapat dilihat pada service, and others is presented in the “Company
bagian “Profil Perusahaan Profile.”
HUBUNGAN INDUSTRIAL YANG HAROMIS DAN HARMONIOUS AND DIGNIFIED INDUSTRIAL
BERMARTABAT [OJK F.21, GRI 2-30] RELATIONS [OJK F.21, GRI 2-30]
Hubungan industrial yang efektif ditunjukkan melalui Effective industrial relations are demonstrated through
pemahaman mendalam terhadap harapan para a deep understanding of employees’ expectations
karyawan selain melalui pemenuhan komitmen besides fulfilling commitments to the implementation
terhadap penerapan berbagai kesepakatan of various agreements that underpin the cooperative
yang melandasi hubungan kerjasama antara relationship between the Company and its employees.
Perseroan dengan para karyawannya. Guna To achieve such harmonious industrial relations, the
mewujudkan hubungan industrial yang harmonis Company guarantees employees’ rights to express
tersebut, Perseroan menjamin hak karyawan untuk their opinions transparently.
menyampaikan pendapat secara transparan.
Pengembangan hubungan industrial yang harmonis The development of harmonious industrial relations is
dijalankan dengan mengacu pada prinsip kesetaraan, carried out with reference to the principles of equality,
kewajaran, rasa keadilan serta nilai-nilai kemanusiaan fairness, justice, and humanitarian values asserted in
yang ditegaskan dalam butir-butir Peraturan the Company Regulations (internally referred to as the
Perusahaan (secara internal disebut Peraturan Executive Director Regulation on Employment System
Direktur Eksekutif tentang Kebijakan Sistem Policies). The Company Regulations have been
Kekaryawanan). Peraturan Perusahaan dimaksud registered and ratified based on the Decision of the
telah terdaftar dan disahkan berdasarkan Keputusan Directorate General of Industrial Relations and Social
Direktorat Jenderal Pembinaan Hubungan Industrial Security of the Ministry of Labor of the Republic of
dan Jaminan Sosial Tenaga Kerja Kementerian Tenaga Indonesia No. KEP. 4/HI.00.00/00.0000.230821011/B/
Kerja R.I. No. KEP. 4/HI.00.00/00.0000.230821011/B/ XI/2023 on the Ratification of the Company
XI/2023 tentang Pengesahan Peraturan Perusahaan Regulations on behalf of PT Bank Nationalnobu Tbk
atas nama PT Bank Nationalnobu Tbk tertanggal 09 dated 09 November 2023.
November 2023.
Seluruh (100%) karyawan Perseroan telah terjamin All (100%) of the Company’s employees are guaranteed
hak dan kewajibannya dalam Peraturan Perusahaan their rights and obligations in the said Company
dimaksud. [GRI 2-30] Regulations. [GRI 2-30]
Bersama dengan kebijakan-kebijakan lainnya, Along with other policies, these Company Regulations
Peraturan Perusahaan ini menjadi landasan become the foundation for the implementation of the
pelaksanaan hak dan kewajiban Perseroan maupun rights and obligations of the Company and Employees
Karyawan agar tercipta suatu kondisi dan hubungan to create a condition and work relationship that is
kerja yang harmonis antara Perseroan dan Karyawan, harmonious between the Company and Employees,
yang pada akhirnya dapat mendukung kelancaran which ultimately can support the effectiveness and
dan kemajuan usaha demi tercapainya tujuan progress of business to achieve common goals.
bersama.
Aktivitas Karyawan Employee Activities
Melalui pelaksanaan berbagai rangkaian kegiatan Through the implementation of various employee
pembinaan kebersamaan karyawan, antara lain: cohesiveness activities, such as the application of
penerapan K3 (Keselamatan dan Kesehatan Occupational Safety and Health (OHS), Employee
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 349
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Kerja), Koperasi Karyawan, maupun Nobu Bankers Cooperatives, and Nobu Bankers Club (NBC), the
Club (NBC), Perseroan mewujudkan komitmen Company realizes its commitment to fostering a
mendukung iklim kerja yang kondusif dan harmonis. conducive and harmonious work climate. As a form
Sebagai bentuk pemenuhan aspirasi dan kegiatan of fulfilling the aspirations and activities of employees,
karyawan, Perseroan memfasilitasi pembentukan the Company facilitates the formation of Employee
Koperasi Karyawan yang menawarkan fasilitas Cooperatives that offer savings and loan facilities, and
simpan pinjam, maupun NBC sebagai wadah NBC as a venue for employees to engage in various
karyawan dalam melakukan berbagai kegiatan di activities outside of work, including social, spiritual,
luar pekerjaan, baik yang bersifat sosial, kerohanian, sports, and other activities.
olahraga, dan sebagainya.
PERENCANAAN DAN PEMENUHAN TENAGA WORKFORCE PLANNING AND FULFILLMENT
KERJA
Sejalan dengan pertumbuhan skala usaha, di akhir In line with business scale growth, at the end of 2023,
tahun 2023 Perseroan memiliki tenaga kerja sejumlah the Company has a workforce of 1,247 employees
1.247 orang (2022: 1.192 orang) di seluruh Indonesia. (2022: 1,192 employees) throughout Indonesia. The
Jumlah karyawan senantiasa disesuaikan dengan number of employees is continually adjusted to the
rencana pertumbuhan dan transformasi yang growth and transformation plans being implemented,
dijalankan selain disesuaikan dengan pemenuhan as well as to meet the needs of digital talents to
kebutuhan talenta digital demi menjawab tantangan respond to current and future challenges. The increase
saat ini dan ke depan. Kenaikan jumlah karyawan di in the number of employees in the reporting year was
tahun pelaporan terutama untuk memperkuat tim mainly due to strengthen the team of Consumer &
Consumer & Micro Banking. Perseroan berupaya Micro Banking business unit. The Company strives
menjaga komposisi karyawan yang optimal, yakni to maintain an optimal employee composition by
dengan menjaga keselarasan antara pemenuhan balancing the fulfillment of labor, productivity, and
tenaga kerja, produktivitas dan biaya operasional. operational costs.
Pemenuhan tenaga kerja dilakukan secara internal Workforce fulfillment is conducted internally and
maupun eksternal dengan berpedoman pada externally, guided by work plans and business scale
rencana kerja dan pengembangan skala usaha, development, and carried out with consideration
serta dilaksanakan dengan memperhatikan of applicable health protocols. Recruitment of
protokol kesehatan yang berlaku. Perekrutan experienced candidates is done to strengthen the
kandidat berpengalaman dilakukan dalam rangka Company’s human resources capabilities, obtained
memperkuat kapabilitas sumber daya manusia through the career website and recruitment platforms
Perseroan, yang didapatkan baik melalui web karir such as LinkedIn and Job Street. The Company then
maupun platform perekrutan seperti LinkedIn dan runs a program to improve the quality of recruited HR,
Job Street. Perseroan kemudian menjalankan including through credit checking and social media
program peningkatan kualitas SDM yang direkrut, screening as one of the recruitment process stages.
antara lain melalui pelaksanaan credit checking dan
penelusuran media sosial sebagai salah satu tahapan
proses rekrutmen.
REKRUTMEN & TURNOVER KARYAWAN [GRI 401-1] RECRUITMENT & EMPLOYEE TURNOVER [GRI 401-1]
Guna mendapatkan sumber daya manusia terbaik, To obtain the best, competent, and necessary human
berkompeten dan sesuai kebutuhan, Perseroan resources, the Company runs an open recruitment
menjalankan program rekrutmen secara terbuka. program. Recruitment is carried out based on the
Rekrutmen dilakukan dengan mengacu pada rencana workforce needs plan and is based on principles of
kebutuhan tenaga kerja dan didasarkan pada prinsip
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keadilan dan kesetaraan. Prinsip ini direalisasikan fairness and equality. These principles are realized
melalui pelaksanaan proses seleksi yang transparan, through a transparent, non-discriminatory selection
non-diskriminatif dan berdasarkan kompetensi yang process based on each individual’s competencies.
dimiliki setiap individu.
Melalui proses seleksi tersebut, selama tahun 2023, Through this selection process, in 2023, the Company
Perseroan melakukan rekrutmen terhadap 308 recruited 308 prospective employees who had
calon karyawan yang telah memiliki pengalaman di experience in their fields or were fresh graduates,
bidangnya maupun fresh graduates, terdiri atas 168 consisting of 168 males and 140 females.
laki-laki dan 140 perempuan.
Rekrutmen menurut Usia dan Gender [GRI 401-1]
Recruitment by Age and Gender
2021 2022 2023
Kelompok Usia
Age Laki-Laki Perempuan Laki-Laki Perempuan Laki-Laki Perempuan
Male Female Male Female Male Female
< 30 Tahun | Years old 72 115 75 95 104 109
30 - 50 Tahun | Years old 73 23 106 25 59 27
> 50 Tahun | Years old 4 2 8 7 5 4
Total 289 316 308
Di tahun 2023, Perseroan juga memproses keluarnya In 2023, the Company also processed the departure
sejumlah karyawan dengan berbagai sebab. of several employees for various reasons. There were
Terdapat 254 orang (2022: 323 orang) karyawan yang 254 employees (2022: 323 employees) who decided to
memutuskan untuk keluar dari Perseroan. leave the Company.
Berhentinya hubungan kerja dari para karyawan The termination of employment from these employees
tersebut disebabkan oleh beragam alasan, namun was caused by various reasons, but generally, they
umumnya mengundurkan diri karena adanya resigned due to other opportunities. This is evident
kesempatan lain. Hal ini tampak dari usia karyawan from the age of the employees, who were generally
yang umumnya masih dalam usia produktif pada still in their productive years at the time of submitting
saat mengajukan pengunduran diri untuk mengakhiri their resignation to end their employment with the
hubungan kerja dengan Perseroan, sebagaimana Company, as seen in the following tables.
tampak pada tabel-tabel berikut.
Turnover menurut Usia dan Gender [GRI 401-1]
Turnover by Age and Gender
2021 2022 2023
Kelompok Usia
Age Laki-Laki Perempuan Laki-Laki Perempuan Laki-Laki Perempuan
Male Female Male Female Male Female
<30 Tahun | Years old 68 133 53 125 46 81
30 - 50 Tahun | Years old 63 45 79 40 67 44
≥ 51 Tahun | Years old 10 4 13 13 13 3
Total 323 323 254
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Jumlah dan Alasan Pengunduran Diri [GRI 401-1]
Number and Reason of Resignation
Alasan
2021 2022 2023
Reason
Diberhentikan | Termination 11 12 14
Efisiensi | Efficiency 0 0 0
Kontrak Berakhir | Contract Completion 35 20 29
Mengundurkan Diri | Resign 271 274 202
Meninggal Dunia | Passing-away 1 0 1
Pensiun Karir | Career Retirement 5 14 8
Total 323 323 254
Pelatihan dan Pengembangan Karyawan [OJK F.22] Employee Training and Development [OJK F.22] [GRI
[GRI 404-1, 404-2] 404-1, 404-2]
Komitmen pengembangan kompetensi tenaga kerja The commitment to employee competency
diwujudkan melalui realisasi program pelatihan development is realized through the implementation
dan pengembangan berbasis off line maupun of both offline and virtual training and development
virtual yang relevan dengan kondisi terkini. Program programs relevant to current conditions. Training and
pelatihan dan pengembangan didesain berdasarkan development programs are designed based on the
kebutuhan karyawan pada setiap fase karir, dimulai needs of employees at every career phase, starting
dari pengenalan organisasi dan kebijakan Perseroan from organizational introduction and company
melalui pelaksanaan program New Comers policy through the New Comers Orientation program,
Orientation, penguatan Nilai-Nilai Budaya Perusahaan reinforcing Corporate Culture Values through
melalui beragam metode pembelajaran. Selanjutnya various learning methods. Furthermore, mandatory
dijalankan pula program sertifikasi wajib perbankan, banking certification programs, training based
pelatihan berdasarkan kebutuhan spesifik dari on specific needs from each field of work, career
masing-masing bidang kerja, pengembangan karir and leadership development through the Career
dan kepemimpinan melalui Career Development Development Program and Leadership Development
Program maupun Leadership Development Program, Program, scholarships for high-achieving employees,
program beasiswa bagi karyawan yang berprestasi, and preparation for retiring employees are also
hingga pembekalan bagi karyawan pensiun. implemented.
Setiap karyawan berhak memperoleh pendidikan dan Every employee is entitled to education and training
pelatihan untuk meningkatkan dan mengembangkan to improve and develop their competencies, both in
kompetensinya, baik pada aspek soft skill maupun soft skills and technical skills, to ensure the Company
technical skill dalam rangka memastikan diperolehnya has superior and competent human resources in their
sumber daya manusia yang unggul dan mumpuni di fields.
bidangnya.
Perseroan membagi pelaksanaan program The Company divides the implementation of
pengembangan kepemimpinan kedalam tiga leadership development programs into three levels:
jenjang, yaitu Basic bagi para Supervisor, Intermediate Basic for Supervisors, Intermediate for Managers,
bagi para Manager hingga Advanced bagi Pejabat and Advanced for Executives. Career development
Eksekutif. Program pengembangan karir disusun programs are structured based on relevant work fields,
berdasarkan bidang pekerjaan yang relevan, such as Officer Development Program, Relationship
seperti Officer Development Program, Relationship Officer Development Program, and Operation
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Officer Development Program dan Operation Head Development Program. In line with regulatory
Head Development Program. Sejalan dengan requirements and employee needs according to their
ketentuan regulator maupun kebutuhan karyawan fields, the Company organizes learning about banking
sesuai bidangnya, Perseroan menyelenggarakan knowledge and skills in the form of training and
pembelajaran mengenai pengetahuan dan certification, including Risk Management, AML-CTF,
keterampilan bidang perbankan dalam bentuk Treasury, Mutual Fund Selling Agent Representative,
pelatihan maupun sertifikasi, antara lain: Manajemen Securities Brokerage Representative and Life
Risiko, APU-PPT, Treasury, Wakil Agen Penjual Efek Insurance Association of Indonesia, Payment System
Reksa Dana, Wakil Perantara Pedagang Efek dan and Cash Management, Banking Products and
Asosiasi Asuransi Jiwa Indonesia, Sistem Pembayaran Services, Bank Business Process, General Banking
dan Pengelolaan Uang Rupiah, Produk dan Jasa Management, and other relevant themes.
Pelayanan Bank, Proses Bisnis Bank, Manajemen
Umum Perbankan, dan tema lainnya yang relevan.
Guna merespons tren digitalisasi perbankan, To respond to the trend of banking digitalization,
Perseroan menyelenggarakan berbagai program the Company organizes various training programs
pelatihan yang akan dapat memperkuat kapabilitas to strengthen employees’ capabilities, including
karyawan, antara lain: sertifikasi dan pelatihan di certifications and training in SCRUM, Information
Bidang SCRUM, Teknologi Informasi, Cyber Security, Technology, Cyber Security, Privacy & Data Protection,
Privacy & Data Protection, ISO 27001:2013, maupun ISO 27001:2013, and reinforcing transformation values
penguatan nilai-nilai transformasi melalui aktivitas through Learning Carnival and Innovation Awards
Learning Carnival dan Innovation Awards 2023. 2023 activities. The Company also supports the
Perseroan turut mendukung penerapan Budaya Anti implementation of the Anti-Bribery Culture through
Suap melalui pembelajaran dan pelatihan sertifikasi learning and ISO 37001:2016 certification training. The
ISO 37001:2016. Perseroan senantiasa mengevaluasi Company constantly evaluates and strives to improve
dan berupaya meningkatkan metode pembelajaran digital learning methods to enhance the quality of
digital untuk meningkatkan kualitas pembelajaran learning implemented.
yang dijalankan.
Pada tahun 2023, tercatat total 1.244 orang karyawan In 2023, a total of 1,244 employees participated
telah mengikuti berbagai program pelatihan dan in various training and competency development
pengembangan kompetensi. Adapun rata-rata total programs. The average total duration of employee
durasi pelatihan karyawan pada tahun 2023 adalah 16 training in 2023 was 16 hours/employee (2022: 16
jam/karyawan (2022: 16 jam/karyawan). [GRI 404-1] hours/employee). [GRI 404-1]
Pelatihan Keuangan Berkelanjutan [OJK FS4] Sustainable Finance Training [OJK FS4]
Perseroan juga merealisasikan pengembangan The Company also realizes the development
kompetensi jajaran karyawan untuk mendukung of employee competencies to support the
implementasi program aksi keuangan berkelanjutan. implementation of sustainable finance action
Beberapa program Edukasi dan Internalisasi Nilai- programs. Several Education and Internalization
Nilai Keberlanjutan bagi seluruh karyawan yang programs of Sustainability Values for all employees
telah dilaksanakan secara bertahap, mencakup have been implemented in stages, including:
diantaranya:
• Pelaksanaan program komunikasi/kampanye • Implementation of internal communication/
internal tentang nilai-nilai keberlanjutan kepada campaign programs regarding sustainability
seluruh karyawan. values to all employees.
• Refreshment Rencana Aksi Keuangan • Refreshment of the Sustainable Finance
Berkelanjutan tentang perkembangan & Action Plan regarding current developments
implementasi di Lembaga Keuangan saat ini bagi & implementation in Financial Institutions for
Anggota Satuan Kerja Keuangan Keberlanjutan. members of the Sustainability Finance Work Unit.
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PENILAIAN KINERJA DAN PENGEMBANGAN PERFORMANCE ASSESSMENT AND CAREER
KARIR DEVELOPMENT
Penilaian Kinerja Performance Assessment
Penilaian kinerja karyawan dilakukan dengan Employee performance is assessed with an emphasis
mengedepankan prinsip terukur, obyektif dan dapat on measurable, objective, and accountable principles.
dipertanggungjawabkan. Perseroan menjalankan The Company carries out employee performance
penilaian kinerja karyawan menggunakan sistem assessments using the Balance Score Card system.
Balance Score Card. Aspek penilaian kinerja karyawan Employee performance assessment aspects include
meliputi pencapaian sasaran individu, prestasi kerja individual goal achievement, work achievements, and
dan kompetensi. competencies.
Dengan memperhatikan faktor penilaian kinerja dan Considering performance assessment factors and the
mekanisme penilaian kinerja yang dilaksanakan hierarchically implemented performance assessment
secara berjenjang, setiap karyawan akan memperoleh mechanism, each employee will obtain a performance
skor capaian kinerja. Hasil penilaian kinerja tersebut achievement score. The results of this performance
selanjutnya digunakan sebagai acuan untuk assessment are then used as a basis for determining
menetapkan jenjang karir dan pemberian paket career paths and remuneration packages.
remunerasi.
Guna mempercepat transformasi digital, mulai To accelerate digital transformation, from 2022
tahun 2022 dan dilanjutkan di tahun 2023, penilaian and continuing in 2023, the annual performance
kinerja tahunan untuk seluruh karyawan (100%) telah assessment for all employees (100%) has been carried
dilakukan melalui Human Resources Information out through the Human Resources Information
System (HRIS), sehingga proses penilaian kinerja System (HRIS), making the performance assessment
dapat dilakukan secara efektif dan histori penilaian process effective and ensuring that the performance
kinerja dapat terdokumentasikan dengan baik. [GRI assessment history is well documented. [GRI 404-3]
404-3]
Pengembangan Jenjang Karir Career Path Development
Perseroan memberi kesempatan yang sama bagi The Company provides equal opportunities for every
setiap karyawan untuk mengembangkan karir dalam employee to develop their careers in their respective
bidang masing-masing berdasarkan kompetensi fields based on the competencies they acquire. The
yang dimiliki. Perseroan juga secara konsisten Company also consistently applies fair policies,
menerapkan kebijakan yang adil (fair), memberikan providing equal opportunities for male and female
kesempatan yang sama bagi karyawan pria maupun employees in employee career development.
wanita dalam pengembangan karir karyawan.
REMUNERASI DAN KESEJAHTERAAN REMUNERATION AND WELFARE
[OJK F.20] [GRI 401-2, 201-3] [OJK F.20] [GRI 401-2, 201-3]
Pemberian paket remunerasi kepada para karyawan Remuneration packages for employees are provided
dilakukan dengan mempertimbangkan peran dan considering the role and responsibilities, length of
tanggung jawab, masa kerja dan penilaian kinerja service, and employee performance assessment.
para karyawan. Remunerasi yang diberikan berupa Remuneration includes basic salary, allowances,
gaji pokok, tunjangan, dan fasilitas lainnya. Perseroan and other facilities. The Company periodically
secara berkala melakukan evaluasi, penyesuaian dan evaluates, adjusts, and improves the remuneration
perbaikan skema remunerasi dan benefit karyawan and employee benefits scheme, considering
secara berkala, dengan mempertimbangkan organizational developments and external conditions.
perkembangan organisasi maupun kondisi eksternal. Salary benchmarking is conducted by reviewing salary
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Salary benchmark dilakukan dengan meninjau survey reports and other methods while ensuring
laporan survei penggajian maupun metode lainnya compliance with relevant regulations.
dengan tetap memperhatikan pemenuhan terhadap
peraturan-peraturan yang berlaku.
Struktur remunerasi Perseroan senantiasa selaras The Company’s remuneration structure is always
dengan ketentuan Upah Minimum Provinsi (UMP) dan aligned with the Provincial Minimum Wage (UMP) and
Upah Minimum Regional (UMR), serta terdiri atas: gaji, Regional Minimum Wage (UMR) regulations, including
Tunjangan Operasional, Jasa Produksi, Tunjangan salary, Operational Allowance, Production Services,
Hari Raya, maupun benefit lainnya seperti tambahan Holiday Allowance, and other benefits such as
Asuransi Kesehatan yang mencakup pemeliharaan additional Health Insurance covering outpatient care,
kondisi rawat jalan, rawat inap, rawat gigi, perawatan hospitalization, dental care, other special treatments,
khusus lainnya, hingga bantuan alat penglihatan. and visual aid assistance. The Company also provides
Perseroan juga turut memberikan bantuan lainnya other assistance such as vaccination programs,
seperti program vaksinasi, bantuan kedukaan bagi bereavement assistance for employees and their
karyawan dan keluarga inti pekerja yang meninggal immediate family members who pass away, and soft
dunia, maupun pinjaman lunak dalam kondisi darurat. loans in emergency situations. As part of compliance
Sebagai bentuk kepatuhan dan partisipasi aktif and active participation in government programs, the
terhadap program pemerintah, Perseroan juga telah Company has registered all its employees in the BPJS
mendaftarkan seluruh pekerjanya dalam kepesertaan Health and Employment Social Security programs.
BPJS Kesehatan dan BPJS Ketenagakerjaan. [GRI 202-1] [GRI 202-1]
Perseroan memberikan kontribusi pembayaran premi The Company contributes to the pension program
iuran program pensiun tersebut, dengan besaran premium payments, with the following amounts. [GRI
sebagai berikut. [GRI 201-3] 201-3]
Program Pensiun Iuran Bank Iuran Karyawan
Retirement Program Bank Dues Employee Dues
BPJS Pensiun
2% Upah | Wages 1% Upah | Wages
BPJS Pension
Perseroan juga menerapkan asas kesamaan The Company also applies the principle of equality
dalam menetapkan struktur remunerasi, tanpa in determining the remuneration structure, without
membedakan gender, sehingga tidak ada perbedaan gender discrimination, ensuring there is no significant
signifikan pada gaji pokok antara karyawan laki-laki difference in basic salaries between male and female
dengan karyawan perempuan pada level jabatan employees at the same job level.
yang sama.
Sekalipun telah menerapkan kebijakan umum Even though the Company has implemented a
Performance Rewards dalam memberikan general Performance Rewards policy in providing
remunerasi karyawan, Perseroan juga menyediakan employee remuneration, the Company also offers
skema remunerasi dan benefit lain yang berbentuk other remuneration and benefits schemes in the form
variable pay untuk mendukung pencapaian bisnis of variable pay to support business achievements
bagi karyawan tetap dan karyawan kontrak serta for permanent employees, contract employees,
karyawan outsorcing. Beberapa item dari paket and outsourced employees. Some items from the
remunerasi, seperti dana pensiun, pesangon dan remuneration package, such as pension funds,
bantuan kepemilikan rumah maupun kendaraan tidak severance payments, and assistance for home or
diberikan kepada Karyawan Kontrak dan Karyawan vehicle ownership, are not given to Contract Employees
Outsourcing. [GRI 401-2]. and Outsourced Employees. [GRI 401-2]
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 355
Page 358
TANGGUNG JAWAB SOSIAL
Sosial Responsibility
PENGELOLAAN SUMBER DAYA MANUSIA
Human Resource Management
Cuti Melahirkan Maternity Leave
Perseroan memberikan hak cuti melahirkan bagi The Company grants maternity leave rights to female
karyawan perempuan selama 3 (tiga) bulan dan employees for 3 (three) months and gives them the
memberikan keleluasaan kepada mereka untuk flexibility to return to work and occupy their previous
kembali bekerja dan menempati posisi kerja positions. The leave taken does not affect the position
sebelumnya. Cuti yang diambil tersebut tidak and the amount of their remuneration when the
memengaruhi posisi dan besaran remunerasinya employee returns to work.
saat karyawan dimaksud kembali bekerja.
Selama tahun 2023, terdapat 56 orang (2022: In 2023, there were 56 female employees (2022: 76)
76) karyawan perempuan yang mengajukan who applied for maternity leave, and 56 of them (2022:
cuti melahirkan dan 56 orang (2022: 76 orang) 76) have returned to work after completing their leave
diantaranya sudah dapat kembali bekerja, setelah period. This means 100% (2022: 100%) of employees
menyelesaikan periode cutinya. Artinya 100% (2022: returned to work after taking leave. Up to the 2023
100%) karyawan bekerja kembali setelah pelaksanaan reporting period, the Company has not implemented
cuti. Hingga periode pelaporan 2023, Perseroan parental leave or paternity leave for male employees.
belum menerapkan cuti parental atau cuti ayah untuk
karyawan laki-laki.
PENSIUN DAN PERSIAPAN PENSIUN RETIREMENT AND RETIREMENT PREPARATION
Sebagai bentuk apresiasi dan kepedulian terhadap As a form of appreciation and care for employees
karyawan yang akan memasuki masa pensiun, entering retirement, the Company organizes a
Perseroan menyelenggarakan Program Persiapan Retirement Preparation Program. The preparation
Pensiun. Pembekalan yang diberikan kepada peserta provided to participants in the program includes
pada program tersebut adalah pelatihan mengenai training on physical health, mental health, and
kesehatan fisik, mental, dan kewirausahaan. Tujuan entrepreneurship. The purpose of this training is to
pelatihan ini adalah untuk meningkatkan kesiapan enhance employees’ physical and mental readiness
fisik dan mental karyawan dalam menghadapi for the changes that occur when entering retirement
perubahan yang terjadi pada saat memasuki usia age and to provide motivation to stay optimistic, have
pensiun serta memberikan motivasi untuk tetap a positive paradigm as retirees, and properly manage
optimis, memiliki paradigma yang positif sebagai the available time.
pensiunan serta dapat mengelola waktu yang tersedia
dengan baik.
SISTEM INFORMASI SUMBER DAYA MANUSIA HUMAN RESOURCES INFORMATION SYSTEM
(SISDM) (HRIS)
Perseroan terus mengembangkan dan meningkatkan The Company continues to develop and improve the
implementasi Human Resources Information implementation of the Human Resources Information
System (HRIS) agar diperoleh perbaikan efisiensi System (HRIS) to achieve improvements in the
dan efektivitas pengelolaan SDM. Perseroan juga efficiency and effectiveness of HR management. The
mengintegrasikan seluruh proses kepersonaliaan Company also integrates all personnel processes
dalam rangka memberikan pengalaman terbaik bagi to provide the best experience for employees. The
karyawan. Proses integrasi data dijalankan secara integration of data is carried out continuously.
berkesinambungan.
Agar memberikan efek efisiensi pengelolaan SDM To provide optimal HR management efficiency,
yang optimal, para karyawan senantiasa didorong employees are encouraged to use available features,
untuk dapat menggunakan fitur yang tersedia, antara including Employee Self Service (ESS), developed
356 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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PENGELOLAAN SUMBER DAYA MANUSIA
Human Resource Management
lain Employee Self Service (ESS) yang dikembangkan to facilitate the process of updating employee
dengan tujuan mempermudah proses pengkinian information data, managing attendance, applying
data informasi pekerja, pengelolaan absensi, for leave, and accessing various information such
pengajuan cuti, maupun akses terhadap berbagai as Upcoming Programmes and other Company
informasi seperti Upcoming Programmes dan activities.
kegiatan Perseroan lainnya.
ASPEK KESELAMATAN DAN KESEHATAN KERJA OCCUPATIONAL HEALTH AND SAFETY ASPECTS
Komitmen dan Kebijakan [GRI 3-3] Commitment and Policy [GRI 3-3]
Perseroan menempatkan aspek Keselamatan dan The Company places the Occupational Health
Kesehatan Kerja (K3) sebagai bagian penting dari and Safety (OHS) aspect as an important part
pengelolaan ketenagakerjaan sebagai wujud mitigasi of employment management as a form of risk
risiko yang mungkin muncul dari ketenagakerjaan. mitigation that may arise from employment. The
Perseroan menerapkan prinsip K3 yang berlaku bagi Company applies the principles of OHS applicable
seluruh karyawan di lingkungan Perseroan, guna to all employees within the Company, to provide
memberikan perlindungan bagi setiap Pegawai guna protection for every Employee to achieve optimal work
mewujudkan produktivitas kerja yang optimal. productivity.
Untuk itu, Perseroan menunjukkan komitmen penuh As such, the Company affirms full commitment to
untuk mematuhi seluruh ketentuan Pemerintah comply with all Government regulations in Law No. 13
dalam Undang-Undang No. 13 Tahun 2003 tentang of 2003 on Employment, and Law No. 1 of 1970 on Work
Ketenagakerjaan, dan Undang-Undang No. 1 Tahun Safety for employees. The Company also fully commits
1970 tentang Keselamatan Kerja bagi para karyawan. to comply with Government regulations regarding
Perseroan juga menunjukkan komitmen penuh employee occupational health in the Social Security
untuk mematuhi ketentuan Pemerintah mengenai Administration Agency (BPJS) program through Law
kesehatan kerja karyawan pada program Badan No. 24 of 2011 and Government Regulation No. 50
Penyelenggara Jaminan Sosial (BPJS) melalui of 2012 on the Implementation of the Occupational
Undang-Undang No. 24 Tahun 2011 dan Peraturan Health and Safety Management System, which
Pemerintah No. 50 Tahun 2012 tentang Penerapan regulates the obligation of every business entity in
Sistem Manajemen Keselamatan dan Kesehatan conducting business operations based on OHS for
Kerja yang mengatur kewajiban setiap entitas usaha employees.
dalam menyelenggarakan kegiatan operasional
usaha berbasis K3 bagi karyawan.
Pengelolaan aspek K3 dilakukan melalui koordinasi The management of OHS aspects is carried out
Fungsi Sumber Daya Manusia (HR Group), Crisis through the coordination of the Human Resources
Control Center (CCC), manajemen dan karyawan, Function (HR Group), Crisis Control Center (CCC),
baik dalam penerapan protokol kesehatan di tempat management and employees, both in the application
kerja beserta infrastruktur pendukungnya seperti of health protocols at the workplace with its
mesin absensi dengan sistem touchless (face/palm supporting infrastructure such as a touchless system
recognition), maupun penanggulangan krisis yang (face/palm recognition) attendance machines, and
terjadi di lingkungan Perseroan di seluruh Indonesia the crises management that occur in the Company’s
mencakup gempa bumi, banjir, atau krisis lainnya. environment throughout Indonesia includes
earthquakes, floods, or other crises.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 357
Page 360
TANGGUNG JAWAB SOSIAL
Sosial Responsibility
PENGELOLAAN SUMBER DAYA MANUSIA
Human Resource Management
Panitia Pembina Keselamatan dan Kesehatan Occupational Safety and Health Committee
Kerja (P2K3) [GRI 403-1] (P2K3) [GRI 403-1]
Perseroan telah membentuk Crisis Control Center The Company has established the Crisis Control
(CCC) sebagai tim pelaksana teknis dengan tujuan Center (CCC) as a technical implementation team
melindungi aset Perusahaan secara lebih luas, aimed at protecting the Company’s assets more
termasuk namun tidak terbatas pada keselamatan broadly, including but not limited to employee safety
dan kesehatan karyawan, di mana menjadi bagian dari and health, where it is part of OHS activities that
aktivitas K3 yang belum diformalkan melalui wadah have not been formalized through the P2K3 forum.
P2K3. Perseroan menepatkan di bawah tanggung The Company places it under the responsibility of
jawab Fungsi SDM. Fungsi SDM menjalankan tugas the HR Function. The HR Function carries out the
pengelolaan dan pemenuhan aspek K3 dengan management and fulfillment of OHS aspects with
mengacu pada Peraturan Menteri Tenaga Kerja reference to the Minister of Labor Regulation No.
No. PER.04/MEN/1987 tentang Panitia Pembina PER.04/MEN/1987 on the Occupational Safety and
Keselamatan dan Kesehatan Kerja serta Tata Cara Health Committee and the Procedure for Appointing
Penunjukan Ahli Keselamatan Kerja. Safety Experts.
Kesehatan Kerja [GRI 403-8] Occupational Health [GRI 403-8]
Perlindungan kesehatan terhadap seluruh karyawan Health protection for all employees and their families
dan keluarganya diwujudkan melalui program is realized through the health insurance program
jaminan kesehatan yang diselenggarakan oleh BPJS organized by BPJS Health. In addition to the mentioned
Kesehatan. Selain program jaminan kesehatan health insurance program, the Company also provides
dimaksud, Perseroan juga memberikan manfaat health benefits according to the current needs of
kesehatan sesuai dengan kebutuhan terkini karyawan employees through appointed health insurance
melalui penyedia jasa asuransi kesehatan yang service providers and determined periodically.
ditunjuk dan ditetapkan secara berkala.
Secara umum aspek kesehatan kerja dipenuhi melalui In general, the occupational health aspect is fulfilled
pelaksanaan beragam program, sebagai berikut: through the implementation of various programs, as
follows:
1. Pemeriksaan kesehatan kerja, mencakup: 1. Occupational health examination, includes:
a. Pemeriksaan kesehatan awal. a. Initial health check.
b. Pemeriksaan kesehatan berkala, dan b. Periodic health check, and
c. Pemeriksaan kesehatan khusus c. Special health check
2. Pelayanan kesehatan kerja. 2. Occupational health services.
3. Pertolongan pertama pada kecelakaan. 3. First aid in accidents.
4. Rekaman data kesehatan kerja. 4. Occupational health data recording.
5. Setiap karyawan terdaftar asuransi kesehatan 5. Every employee is registered for health insurance
yang ditetapkan oleh Perseroan, termasuk BPJS determined by the Company, including BPJS
Kesehatan. Health.
358 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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TANGGUNG JAWAB TERHADAP PRODUK,
LAYANAN DAN NASABAH
Product, Service, and Customer Responsibility
Perseroan senantiasa memaksimalkan kompetensi terbaiknya untuk
menghadirkan produk yang berkualitas dan mengerahkan seluruh
jajarannya mulai level Manajemen hingga jajaran karyawan di seluruh
cabang Perseroan untuk senantiasa memberikan layanan terbaik saat
berinteraksi dengan seluruh lapisan nasabah.
The Company stives to optimize its best competencies to present quality
products and mobilizes all its ranks from the Management level to
employees at all branches of the Company to continually provide the best
service when interacting with all layers of customers.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 359
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
TANGGUNG JAWAB TERHADAP PRODUK, LAYANAN DAN NASABAH
Product, Service, and Customer Responsibility
Bagi Perseroan, kepuasan nasabah terhadap produk For the Company, customer satisfaction with the
dan layanan yang diberikan merupakan indikator products and services provided is an indicator of
parameter keberhasilan dalam melayani nasabah success in serving customers professionally and
secara profesional dan sepenuh hati. Oleh karenanya wholeheartedly. As such, the Company strives to
Perseroan senantiasa berupaya mewujudkan realize its commitment to provide the best service
komitmennya untuk memberikan layanan terbaik bagi for all customers by providing quality products and
seluruh nasabah melalui penyediaan produk maupun services and resolving all complaints submitted.
layanan yang berkualitas serta menyelesaikan
seluruh keluhan yang disampaikan.
Perseroan menjadikan kepuasan nasabah sebagai The Company considers customer satisfaction as
parameter utama dalam mengukur kualitas produk the main parameter in measuring the quality of
maupun layanan yang disediakan, mengingat the products and services provided, considering
nasabah merupakan salah satu pemangku customers are one of the main stakeholders who play
kepentingan utama yang sangat signifikan perannya a significant role in determining the continuity and
dalam menentukan keberlangsungan dan kemajuan progress of the business. Therefore, the Company
bisnis yang dijalankan. Oleh karenanya, Perseroan always mobilizes all its ranks from the Management
senantiasa mengerahkan seluruh jajarannya mulai level to employees at all branch offices to always
dari level Manajemen hingga jajaran karyawan di provide the best service when interacting with
seluruh kantor-kantor cabang agar senantiasa customers.
memberikan layanan terbaik saat berinteraksi
dengan para nasabah.
Selain memberikan layanan terbaik, Perseroan In addition to providing the best service, the Company
juga berkomitmen untuk menyediakan produk- is also committed to providing a complete range
produk pinjaman maupun penyimpanan dana of loan products, fund storage products, and other
dan produk layanan perbankan lain yang lengkap, banking services, equivalent, adequate, and supported
setara, memadai dan didukung teknologi informasi by the latest information technology to ensure the
terkini demi memastikan akurasi eksekusi maupun accuracy of execution and transaction recording.
pencatatan transaksi. [OJK F.17] [GRI 3-3] [OJK F.17] [GRI 3-3]
KEBIJAKAN UMUM [OJK F.17] [GRI 3-3] GENERAL POLICY [OJK F.17] [GRI 3-3]
Dalam menjalankan tanggung jawab perusahaan In fulfilling its corporate responsibilities to customers,
kepada nasabah, Perseroan mengacu pada kebijakan the Company refers to the applicable policies and
dan regulasi yang berlaku di Indonesia, mencakup: regulations in Indonesia, including:
• Peraturan OJK No. 1/POJK.07/2013 tentang • OJK Regulation No. 1/POJK.07/2013 on Consumer
Perlindungan Konsumen Sektor Jasa Keuangan. Protection in the Financial Services Sector.
• Peraturan Bank Indonesia No. 7/7/PBI/2005 • Bank Indonesia Regulation No. 7/7/PBI/2005
tentang Penyelesaian Pengaduan Nasabah, on the Resolution of Customer Complaints, as
sebagaimana telah diubah dengan PBI No. 10/10/ amended by PBI No. 10/10/PBI/2008 on Customer
PBI/2008 tentang Perlindungan Nasabah. Protection.
Kebijakan Penyelesaian Pengaduan Nasabah [GRI 3-3] Customer Complaint Resolution Policy [GRI 3-3]
Penyelesaian pengaduan nasabah diselesaikan The resolution of customer complaints is addressed
melalui penerapan langkah-langkah sebagai berikut: through the following steps:
• Penerimaan Pengaduan • Complaint Receipt
• Penanganan dan Penyelesaian Pengaduan • Complaint Handling and Resolution
• Pemantauan Penanganan dan Penyelesaian • Monitoring of Complaint Handling and Resolution
Pengaduan
360 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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TANGGUNG JAWAB TERHADAP PRODUK, LAYANAN DAN NASABAH
Product, Service, and Customer Responsibility
Kebijakan Produk yang Adil dan Aman [FS15] Fair and Safe Product Policy [FS15]
Dalam membuat produk/layanan yang akan In creating products/services offered to customers, we
ditawarkan kepada nasabah, kami memperhatikan, consider, among others:
antara lain hal-hal sebagai berikut: • The suitability of the product/service with
• Kesesuaian produk/layanan dengan kebutuhan customer needs and capabilities and in line with
dan kemampuan nasabah dan sesuai dengan Visi the Company’s Vision and Mission.
dan Misi Perseroan. • Including a summary of product/service
• Senantiasa mencantumkan ringkasan informasi information delivered to customers at the
mengenai produk/layanan yang disampaikan beginning of the offer and/or when an agreement
pada nasabah pada saat awal penawaran dan/ with the customer occurs, in accordance with
atau pada saat terjadi kesepakatan dengan applicable OJK regulations.
nasabah, sesuai ketentuan OJK yang berlaku.
• Perseroan juga menyesuaikan produk yang • The Company also adjusts the offered products to
ditawarkan agar selaras dengan kebutuhan align with customer needs.
nasabah.
Edukasi Produk dan Jasa Layanan Perseroan [FS16] Company Product and Service Education [FS16]
Sepanjang tahun 2023 Perseroan kembali Throughout 2023, the Company continued to provide
memberikan edukasi mengenai produk dan jasa education about its products and services as a
yang diberikan sebagai wujud tanggung jawab manifestation of its responsibility to all stakeholders.
kepada seluruh pemangku kepentingan. Tujuan The goal of this activity is to enhance customer and
kegiatan adalah meningkatkan pemahaman potential customer understanding of the banking
nasabah dan calon nasabah mengenai layanan services and products provided by the Company.
dan produk perbankan yang disediakan Perseroan. Customer education is conducted through the use of:
Adapun edukasi nasabah tersebut dilakukan melalui
pemanfaatan sarana:
1. Media Sosial. 1. Social Media.
2. SMS Blast, E-mail Blast, SMS Notification. 2. SMS Blast, E-mail Blast, SMS Notification.
3. Video Youtube. 3. YouTube videos.
4. Situs web Perseroan. 4. The Company’s website.
5. Material cetak seperti gimmick/merchandise dan 5. Printed materials such as gimmicks/merchandise
brosur. and brochures.
PENGEMBANGAN PRODUK/AKTIVITAS BARU NEW PRODUCT/ACTIVITY DEVELOPMENT
[OJK F.26, F.27, F.28] [OJK F.26, F.27, F.28]
Perseroan senantiasa melakukan analisis mendalam The Company continually conducts in-depth
yang meliputi aspek-aspek bisnis, stratejik, legal, analysis covering business aspects, strategic,
kepatuhan, teknis, risiko, serta sarana dan prasarana legal, compliance, technical risks, as well as other
pendukung operasional lainnya pada setiap operational support infrastructure for every launch or
peluncuran atau pengembangan produk dan/atau development of new products and/or activities. The
aktivitas baru yang akan dijalankan. Proses analisis analysis process includes identifying, assessing, and
tersebut meliputi proses identifikasi, penilaian, dan mitigating the inherent risks in each New Product and/
mitigasi risiko yang melekat pada setiap Produk or Activity. Additionally, customer education, human
dan/atau Aktivitas Baru. Selain itu perlu diperhatikan resources, and compliance with laws and regulations,
adanya edukasi Nasabah, sumber daya manusia besides the provisions set by OJK and Bank Indonesia,
dan kesesuaiannya dengan ketentuan perundang- are considered. Based on all these processes, no
undangan, selain ketentuan sebagaimana ditetapkan service products were withdrawn during the reporting
oleh OJK maupun Bank Indonesia. Berdasarkan period.
seluruh proses yang dijalankan tersebut, tidak ada
produk jasa layanan yang ditarik selama periode
pelaporan.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 361
Page 364
TANGGUNG JAWAB SOSIAL
Sosial Responsibility
TANGGUNG JAWAB TERHADAP PRODUK, LAYANAN DAN NASABAH
Product, Service, and Customer Responsibility
PRIVASI NASABAH [GRI 418-1] CUSTOMER PRIVACY [GRI 418-1]
Perseroan menempatkan privasi nasabah sebagai The Company places customer privacy as one of
salah satu prioritas layanannya. Perseroan tunduk its service priorities. The Company complies with
terhadap peraturan dan perundang-undangan yang regulations and laws applicable in Indonesia, issued
berlaku di Indonesia, baik yang diterbitkan oleh by the Financial Services Authority, Bank Indonesia, or
Otoritas Jasa Keuangan, Bank Indonesia maupun the Government through the Ministry of Finance and
oleh Pemerintah melalui Kementerian Keuangan other institutions in protecting customer data privacy.
dan Lembaga lainnya dalam melindungi privasi data
nasabah.
PENANGANGAN PENGADUAN [OJK F.24] COMPLAINT HANDLING [OJK F.24]
Perseroan menyediakan saluran untuk menyampaikan The Company provides channels for submitting
keluhan yang dapat ditujukan kepada Customer complaints that can be addressed to the Company’s
Service Perseroan atau Sekretaris Perusahaan guna Customer Service or Corporate Secretary to collect
menampung dan menangani pengaduan nasabah and handle customer complaints regarding the
terhadap kualitas layanan maupun produk yang quality of services or products provided. In accordance
disediakan. Sesuai aturan OJK, nasabah juga dapat with OJK regulations, customers can also submit
menyampaikan pengaduan melalui Aplikasi Portal complaints through the Consumer Protection Portal
Perlindungan Konsumen (APPK) yang dikelola oleh Application (APPK) managed by OJK.
OJK.
Penanganan dan penyelesaian pengaduan nasabah The handling and resolution of customer complaints
dilakukan bersama-sama dengan unit-unit terkait, are carried out together with the related units, both in
baik dalam langkah penyelesaian pengaduan the steps of complaint resolution and improvements
maupun perbaikan dari sisi proses, prosedur maupun from the process, procedures, and products and
produk dan layanan yang diberikan. services provided.
Jumlah dan Tahapan Penanganan Pengaduan Number and Stages of Complaint Handling
[OJK F.24] [GRI 417-2, 417-3] [OJK F.24] [GRI 417-2, 417-3]
Sepanjang tahun 2023, terdapat 10.892 pengaduan Throughout 2023, there were 10,892 complaints (2022:
(2022: 9.920 pengaduan) yang disampaikan melalui 9,920 complaints) submitted through the complaint
saluran pengaduan yang disediakan oleh Perseroan. channels provided by the Company. The development
Perkembangan pengaduan yang disampaikan of submitted complaints is as follows.
adalah sebagai berikut.
Jumlah dan Status Penyelesaian Pengaduan
Number and Status of Complaint Settlement
Keterangan Jumlah Pengaduan | Number of Complaints
Description 2023 2022 2021
Jumlah pengaduan yang masuk | Number of received complaints 10.892 9.920 5.818
Status
Terselesaikan | Resolved 10.892 9.920 5.818
Sedang dalam proses | Ongoing 0 0 0
362 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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TANGGUNG JAWAB TERHADAP PRODUK, LAYANAN DAN NASABAH
Product, Service, and Customer Responsibility
Sepanjang periode pelaporan di tahun 2023, tidak Throughout the reporting period in 2023, no complaints
ditemukan pengaduan berkaitan dengan kebocoran were found related to the leakage of customer
kerahasiaan nasabah dan hilangnya data nasabah. confidentiality and the loss of customer data.
KETERBUKAAN INFORMASI PRODUK DAN JASA PRODUCT AND SERVICE INFORMATION
[GRI 417-1] DISCLOSURE [GRI 417-1]
Perseroan menjamin kelayakan berbagai produk dan The Company guarantees the suitability of the various
layanan yang disediakan. Perseroan juga menjamin products and services provided. The Company also
bahwa seluruh produk telah mematuhi seluruh ensures that all products comply with all applicable
ketentuan perundang-undangan serta peraturan laws and regulations issued by the relevant regulatory
yang dikeluarkan oleh pihak regulator terkait. bodies.
Perseroan senantiasa berupaya untuk selalu The Company strives to provide clear, accurate,
memberikan informasi yang jelas, akurat, transparan, transparent, and complete information about all
dan lengkap seluruh produk yang ditawarkan the products offered by providing concise and clear
melalui pemberian label yang ringkas dan jelas di labeling on each product and service provided. In
tiap produk dan layanan yang disediakan. Selain itu, addition, all operational and business activities
seluruh kegiatan operasi dan usaha yang dijalankan conducted are supervised by OJK and comply with
diawasi oleh OJK, juga memenuhi seluruh peraturan all regulations issued by OJK, including meeting the
yang dikeluarkan oleh OJK, termasuk memenuhi requirements for labeling and information on the
persyaratan pelabelan dan informasi pada produk- products and services provided.
produk dan jasa yang disediakan.
Informasi rinci mengenai produk dan layanan Detailed information about the Company’s products
Perseroan dapat diakses melalui situs web: http:// and services can be accessed through the website:
www.nobubank.co.id. http://www.nobubank.co.id.
Konsistensi Perseroan dalam menaati komitmen The Company’s consistency in adhering to the
keterbukaan informasi produk dan jasa, membuat commitment to the disclosure of product and service
sepanjang periode pelaporan di tahun 2023, tidak information meant that throughout the reporting
ditemukan adanya pelanggaran terkait informasi period in 2023, no violations were found related
produk dan jasa maupun komunikasi pemasaran, to product and service information or marketing
baik yang menimbulkan kerugian bagi nasabah communications, whether causing harm to customers
maupun pelanggaran terhadap peraturan dan or violations against prevailing laws and regulations
perundang-undangan yang berlaku yang dilakukan committed by employees. [GRI 417-2, 417-3]
jajaran karyawan. [GRI 417-2, 417-3]
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 363
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
TANGGUNG JAWAB TERHADAP PRODUK, LAYANAN DAN NASABAH
Product, Service, and Customer Responsibility
KEPATUHAN TERHADAP PERATURAN DAN COMPLIANCE WITH REGULATIONS AND LAWS
PERUNDANG-UNDANGAN [GRI 419-1] [GRI 419-1]
Perseroan tunduk patuh terhadap seluruh ketentuan The Company strictly adheres to all prevailing laws
peraturan dan perundang-undangan yang berlaku di and regulations in Indonesia, whether issued by the
Indonesia, baik yang diterbitkan oleh Otoritas Jasa Financial Services Authority, Bank Indonesia, or by the
Keuangan, Bank Indonesia maupun oleh Pemerintah Government through the Ministry of Finance.
melalui Kementerian Keuangan.
Beberapa aspek kepatuhan yang menjadi prioritas Some compliance aspects that are prioritized include:
adalah sebagai berikut:
• Prinsip Kehati-hatian • Prudential Principles
Perseroan senantiasa menetapkan kebijakan The Company consistently sets policies according
sesuai aturan perundangan yang berlaku to applicable regulations and applies prudential
dan menerapkan prinsip kehati-hatian dalam principles in conducting its business activities,
melaksanakan kegiatan usahanya, meliputi: including: Code of Ethics, Anti-Money Laundering
Kode Etik, Program Anti Pencucian Uang dan and Counter-Terrorism Financing Program (AML
Pencegahan Pendanaan Terorisme (APU PPT) CTF) and Anti-Fraud Strategy implementation.
dan Penerapan Strategi Anti-Fraud.
• Perkara yang Melibatkan Dewan Komisaris dan • Cases Involving the Board of Commissioners
Direksi. and Directors.
Sepanjang tahun 2023 tidak ada perkara hukum No legal cases involving the Company’s Board of
yang melibatkan Dewan Komisaris dan Direksi Commissioners and Board of Directors in 2023.
Perseroan.
• Sanksi Regulator • Regulatory Sanctions
Selama tahun 2023 Perseroan tidak mendapatkan The Company did not receive any sanctions from
sanksi dari Regulator. Regulators during 2023.
SURVEI KEPUASAN NASABAH [OJK F.30] CUSTOMER SATISFACTION SURVEY [OJK F.30]
Sampai akhir tahun 2023, Perseroan belum Until the end of 2023, the Company has not conducted
melakukan survei untuk mengetahui respons dan a survey to determine the responses and satisfaction
tindak kepuasan para nasabahnya. levels of its customers.
364 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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TENTANG LAPORAN KEBERLANJUTAN
About Sustainability Report
Laporan Keberlanjutan Perseroan ini berfokus menguraikan kinerja
operasional Perseroan, serta segala perkembangan dan perubahan
yang terjadi selama tahun 2023.
This Sustainability Report focuses on describing the Company’s operational
performance, as well as all developments and changes that occurred during
2023.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 365
Page 368
TANGGUNG JAWAB SOSIAL
Sosial Responsibility
TENTANG LAPORAN KEBERLANJUTAN
About Sustainability Report
Laporan Keberlanjutan atau “Laporan” Nobu Bank This fourth edition of 2023 NOBU Bank Sustainability
tahun 2023 ini merupakan Laporan edisi ke-empat. Report, is the second to use the Global Reporting
Laporan ini merupakan kedua kalinya menggunakan Initiative (GRI) - “Universal Standard” references,
rujukan Global Reporting Initiative (GRI) - “Universal which have been applied to report issuance since
Standard” yang diberlakukan untuk penerbitan the beginning of 2023. Through this report, the
Laporan sejak awal tahun 2023 lalu. Melalui Laporan ini, Company provides an overview of the challenges that
Perseroan memberi gambaran mengenai tantangan need to be overcome, the efforts made in managing
yang harus diatasi, upaya yang dilakukan dalam business continuity, and fulfilling the expectations of
mengelola kesinambungan usaha sekaligus untuk stakeholders, as well as the Company’s participation
memenuhi harapan para pemangku kepentingan in supporting the achievement of sustainability goals
serta partisipasi Perseroan dalam mendukung in 2023.
pencapaian tujuan keberlanjutan di tahun 2023.
Pada Laporan ini Perseroan mengungkapkan upaya In this report, the Company discloses efforts made
yang dilakukan dalam meminimalisir dampak to minimize operational impacts on the economy,
operasional terhadap ekonomi, lingkungan, dan environment, and surrounding social context, and
sosial sekitar, juga menjelaskan apa yang telah explains what has been implemented to optimize
dilaksanakan untuk mengoptimalkan manfaat dan benefits and performance as a form of contribution
kinerjanya, sebagai wujud kontribusi dukungan to achieving the Sustainable Development Goals
pencapaian Tujuan Pembangunan Berkelanjutan (SDGs). This report also outlines the programs and
(Sustainable Development Goals/SDGs). Dalam approaches undertaken to address and anticipate all
Laporan ini Perseroan juga menjelaskan program dan forms of opportunities, risks, and challenges related to
pendekatan yang dilakukan dalam mengatasi dan the sustainability of the business.
mengantisipasi segala bentuk peluang, risiko, serta
tantangan yang terkait dengan keberlanjutan bisnis
yang dijalankan.
Perseroan berharap Laporan ini bisa menjadi The Company hopes this report will serve as a
rujukan bagi segenap pemangku kepentingan dalam reference for all stakeholders in understanding and
memahami dan mengetahui pelaksanaan kinerja knowing the implementation of the Company’s
keberlanjutan Perseroan. Selain edisi cetak, dengan sustainability performance. In addition to the printed
pertimbangan untuk menghemat penggunaan edition, considering paper conservation, the same
kertas, Laporan yang sama dapat diakses melalui report is accessible via the Company’s website, www.
situs Perseroan, yakni www.nobuwwwbank.com. nobuwwwbank.com.
PEDOMAN, STANDAR LAPORAN & ASSURANCE GUIDELINES, REPORT STANDARDS & ASSURANCE
[OJK G.1] [GRI 2-5] [OJK G.1] [GRI 2-5]
Laporan Keberlanjutan Perseroan ini disusun dengan This Company’s Sustainability Report is prepared
mengakomodir 2 (dua) standar, yaitu Lampiran II by accommodating two standards: Appendix II
SEOJK No.16.04/2021 atau Peraturan Otoritas Jasa SEOJK No. 16.04/2021 or Financial Services Authority
Keuangan No.51/POJK.03/2017 tentang Penerapan Regulation No. 51/POJK.03/2017 regarding the
Keuangan Berkelanjutan bagi Lembaga Jasa Implementation of Sustainable Finance for Financial
Keuangan, Emiten, dan Perusahaan Publik, serta Service Institutions, Issuers, and Public Companies,
praktik pelaporan Standar Global Reporting Initiative and the reporting practices of the Global Reporting
(GRI) – Universal Standard 2021 yang dikeluarkan Initiative (GRI) - Universal Standard 2021 issued by
oleh Global Sustainability Standards Board (GSSB) the Global Sustainability Standards Board (GSSB)
– lembaga GRI dalam mengembangkan standar - the GRI agency in developing sustainability report
laporan keberlanjutan. standards.
366 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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TENTANG LAPORAN KEBERLANJUTAN
About Sustainability Report
Perseroan menerapkan prinsip materialitas dalam The Company applies the principle of materiality in
menyampaikan isu-isu keberlanjutan yang penting presenting sustainability issues that are important to
bagi para pemangku kepentingan dan dalam stakeholders and in conducting business activities.
menjalankan kegiatan usaha. Perseroan menyajikan The GRI Standard disclosure indicators applied are
indikator disclosure GRI Standard yang diaplikasikan shown on each relevant page.
pada setiap halaman yang relevan.
Agar dapat menunjukkan peran besar Perseroan, To demonstrate the significant role of the Company,
sebagai lembaga intermediari dalam berpartisipasi as an intermediary institution in addressing social
menangani isu-isu sosial dan lingkungan, pada and environmental issues, this report also includes
Laporan ini, juga dicantumkan indeks GRI-Spesifik the GRI-Specific Financial Disclosure index. The list
Financial Diclosure. Daftar Indeks Universal Standard, of Universal Standard Index, Financial Index, and the
Indeks Financial juga indeks SE-OJK 16.4/2021 atau index for SE-OJK 16.4/2021 or Regulation OJK No. 51/
Indeks Peraturan OJK No. 51/ POJK.03/2017 yang POJK.03/2017 applied in this report is presented in the
diterapkan dalam Laporan ini disajikan pada bagian Report Appendix, on pages 375 and 372. [GRI 3-1]
Lampiran Laporan, halaman 375 dan 372. [GRI 3-1]
Pada penyusunan Laporan ini, Perseroan masih In preparing this report, the Company has not yet used
belum menggunakan jasa penjamin (assurance), assurance services; however, to ensure the credibility
namun demikian untuk menjamin kredibilitas dan and quality of the information contained in this report,
kualitas informasi yang tercantum dalam laporan ini, all content and data presented have undergone
seluruh isi dan data yang disajikan telah melalui tahap internal verification stages. [GRI 2-5]
verifikasi internal. [GRI 2-5]
PERIODE DAN SIKLUS LAPORAN REPORTING PERIOD AND CYCLE
Laporan Keberlanjutan yang disampaikan dalam satu The Sustainability Report presented in one book
buku dengan Laporan Tahunan ini memuat berbagai with this Annual Report contains various programs
program dan kegiatan yang dilakukan yang relevan and activities carried out relevant to the choice of
dengan pilihan topik material selama dua tahun material topics over the last two years, for the period
terakhir, pada periode 1 Januari 2023 sampai dengan from January 1, 2023, to December 31, 2023, and its
31 Desember 2023 dan perbandingannya untuk comparison for the same period in the previous year.
periode yang sama di tahun sebelumnya. Adapun The reporting cycle is annual, with the previous period’s
siklus pelaporan adalah setahun sekali, dengan report published in April 2023.
Laporan periode sebelumnya terbit pada bulan April
2023.
Laporan Keberlanjutan dibuat sebagai bagian dari The Sustainability Report is created as part of the
Laporan Tahunan Perseroan, dengan konten khusus Company’s Annual Report, with specific content on
mengenai program-program Tanggung Jawab Social Responsibility programs carried out in the
Sosial yang dilaksanakan di tahun pelaporan, dan reporting year and presented in a format as stipulated
disampaikan dalam format sebagaimana ketentuan in SE-OJK 16.04/2021.
dalam SE-OJK 16.04/2021.
Tidak ada penyajian ulang atas data tahun yang There is no restatement of data from the previous
lalu, juga tidak ada perubahan signifikan terhadap year, nor are there any significant changes to
kegiatan bisnis maupun kepengurusan perusahaan business activities or company management during
selama tahun pelaporan. Begitu pula tidak terdapat the reporting year. Likewise, there are no significant
perubahan signifikan atas ruang lingkup dan changes to the scope and boundary in the reporting
boundary dalam periode pelaporan. [GRI 2-4] period. [GRI 2-4]
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 367
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
TENTANG LAPORAN KEBERLANJUTAN
About Sustainability Report
RUANG LINGKUP (BOUNDARY) DAN BATASAN SCOPE (BOUNDARY) AND LIMITATIONS OF THE
LAPORAN REPORT
Laporan Keberlanjutan Perseroan ini berfokus This Company’s Sustainability Report focuses on
menguraikan kinerja operasional Perseroan, serta outlining the Company’s operational performance, as
segala perkembangan dan perubahan yang well as all developments and changes that occurred
terjadi selama tahun 2023. Informasi dan data during 2023. The information and data on sustainability
kinerja keberlanjutan yang disajikan dalam laporan performance in this report cover only the financial
ini mencakup uraian kinerja keuangan Perseroan performance of the Company, social performance,
semata, kinerja sosial dan kinerja lingkungan, and environmental performance, considering
mengingat Perseroan tidak memiliki entitas anak the Company does not have any subsidiaries or
maupun entitas asosiasi. [GRI 2-2] associates. [GRI 2-2]
Seluruh data keuangan periode 1 Januari 2023 sampai All financial data for the period from January 1, 2023,
dengan 31 Desember 2023 beserta perbandingannya to December 31, 2023, with its comparison in the
dalam setahun terakhir dinyatakan dalam satuan previous year, is stated in Indonesian Rupiah (Rp),
mata uang Rupiah Indonesia (Rp), kecuali dinyatakan unless stated otherwise in the Report. The financial
lain dalam Laporan. Data keuangan dimaksud data is presented using techniques based on
disampaikan menggunakan teknik berdasarkan Indonesian Financial Accounting Standards (“PSAK”).
Pernyataan Standar Akuntansi Keuangan (“PSAK”) For sustainability data, internationally applicable data
Indonesia. Sedangkan untuk data keberlanjutan, measurement techniques are used.
digunakan teknik pengukuran data yang berlaku
secara internasional.
Sementara data pendukung upaya pelestarian Meanwhile, supporting data on environmental
lingkungan yang diterapkan dan disampaikan, conservation efforts implemented and reported are
terbatas pada aktivitas operasional Kantor Pusat limited to the operational activities of the Head Office
di Jakarta. Selain itu, Perseroan tidak memantau, in Jakarta. Additionally, the Company does not monitor,
mengendalikan dan melaporkan aktivitas para mitra control, and report the activities of business partners
usaha diluar interaksinya dengan Perseroan. outside their interactions with the Company.
PENETAPAN KONTEN LAPORAN [GRI 3-1] REPORT CONTENT DETERMINATION [GRI 3-1]
Perseroan menetapkan isi Laporan dengan The Company determines the content of the Report
menerapkan 4 (empat) tahapan penentuan topik by applying four stages of determining material topics
material sesuai GRI Universal Standard, yaitu: according to the GRI Universal Standard, namely:
1. Mengerti Konteks Kegiatan Usaha 1. Understanding the Context of Business Activities
2. Identifikasi Potensi dan Dampak Aktual 2. Identifying Potential and Actual Impacts
3. Menilai signifikansi dampak 3. Assessing the significance of impacts
4. Memprioritaskan dampak paling signifikan 4. Prioritizing the most significant impacts
Penerapan empat tahapan penentuan isi Laporan The application of the four stages of determining the
tersebut dilaksanakan dengan mengacu pada 8 content of the Report is carried out by referring to the
(delapan) prinsip dasar penyusunan sesuai GRI eight basic principles of preparation according to the
Universal Standard, yaitu: GRI Universal Standard, which are:
1. Akurasi. 1. Accuracy
Lembaga melaporkan informasi dengan benar, The institution reports information correctly,
akurat dan cukup detail sehingga memungkinkan accurately, and in sufficient detail to enable an
dilakukannya penilaian dampak kegiatan usaha. assessment of the impact of business activities.
368 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
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TENTANG LAPORAN KEBERLANJUTAN
About Sustainability Report
2. Berimbang 2. Balance
Lembaga menyajikan informasi dengan tanpa The institution presents information without
bias dan dapat merepresentasikan keseimbangan bias and can represent a balanced portrayal of
penggambaran dampak positif maupun negatif both positive and negative impacts of activities
kegiatan yang dilakukan. conducted.
3. Jelas 3. Clarity.
Lembaga menyajikan informasi yang mudah The institution presents information that is
diakses dan mudah dimengerti accessible and easy to understand
4. Dapat diperbandingkan 4. Comparability
Lembaga memilah, mengumpulkan dan The institution selects, collects, and presents
menyajikan informasi secara konsisten sehingga information consistently, allowing for the analysis
memungkinkan dilakukannya analisa perubahan of changes in impact at any time, including
dampak kegiatan setiap saat termasuk comparisons to similar organizations.
perbandingkan dampaknya terhadap organisasi
sejenis lainnya.
5. Kelengkapan 5. Completeness
Lembaga menyajikan informasi yang memadai The institution presents sufficient information to
sehingga memungkinkan dilakukannya asesmen allow for an assessment of the impact of activities
dampak kegiatan selama periode pelaporan. during the reporting period.
6. Sustainability context (Konteks keberlanjutan) 6. Sustainability context
Laporan mengungkapkan kinerja Lembaga dan The report reveals the institution’s performance
dampak kegiatannya pada aspek-aspek utama and the impact of its activities on key aspects of
keberlanjutan, meliputi aspek lingkungan, sosial, sustainability, including environmental, social, and
dan ekonomi. economic aspects.
7. Ketepatan waktu 7. Timeliness
Lembaga melaporkan kinerja keberlanjutan The institution reports sustainability performance
secara berkala dan tepat waktu sehingga regularly and in a timely manner, allowing readers
memungkinkan pembaca membuat keputusan to make decisions as needed
sesuai kebutuhan
8. Dapat diferivikasi 8. Verifiability
Lembaga mengumpulkan, mencatat, memilah The institution carefully collects, records, sorts, and
dan menganalisa seluruh informasi dengan analyzes all information to ensure that the quality
seksama sehingga kualitas informasi yang of the information presented can be checked.
disajikan dapat diperiksa.
Keempat tahapan penetapan konten sesuai prinsip- The four stages of setting content according to the
prinsip dasar penyusunan Laporan Keberlanjutan basic principles of preparing the Sustainability Report
tersebut digambarkan dalam Bagan Alur Proses are depicted in the Material Topic Determination
Penetapan Topik Material Laporan sebagai berikut. Process Flow Chart as follows. [GRI 3-1]
[GRI 3-1]
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 369
Page 372
TANGGUNG JAWAB SOSIAL
Sosial Responsibility
TENTANG LAPORAN KEBERLANJUTAN
About Sustainability Report
Bagan Alur Proses Penentuan Topik Material Laporan Keberlanjutan
Material Topic Determination Process Flow Chart
Identify and assess impacts on an ongoing basis Determine material topics for reporting
Engage with Test the material
relevant stakeholders topics withs experts
and experts and information users
Material topics
1 2 3 4
Priortize the
Understand the Identify actual Assess the most significant
organization’s and potential significance of impacts for
context impacts the impacts reporting
Use the Sector Consider the Test the material topics
Standards to topics and impacts against the topics in the
understand the described in the Sector Standards
sectors’ context Sector Standards
DAMPAK SIGNIFIKAN DAN UJI MATERIALITAS SIGNIFICANT IMPACTS AND MATERIALITY TEST
[GRI 3-2] [GRI 3-2]
Untuk menentukan topik-topik yang dilaporkan, To determine the topics to be reported, the Company
Perseroan melakukan kajian dampak material dengan conducts a material impact study by forming internal
membentuk grup diskusi internal guna membahas discussion groups to discuss operational impacts on
dampak operasional terhadap para pemangku key stakeholders, and considering input from several
kepentingan utama, serta mempertimbangkan external parties as well as through interactions with
masukan dari beberapa pihak eksternal maupun the surrounding community.
melalui interaksi dengan masyarakat sekitar.
Terdapat 17 kelompok topik material yang memenuhi There are 17 groups of material topics that meet the
kriteria dampak paling material terhadap kinerja criteria for the most material impact on the Company’s
keberlanjutan Perseroan. Perseroan kemudian sustainability performance. The Company then
menetapkan tidak kurang 34 indeks disclosure GRI identifies no fewer than 34 GRI Standard disclosure
Standard dari topik material dimaksud, sebagai indices from the said material topics, as follows.
berikut.
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TENTANG LAPORAN KEBERLANJUTAN
About Sustainability Report
Indeks Disclosure Boundary
Topik Material Alasan Materialitas SEOJK
No. Di dalam Diluar
Material Aspects Materiality Reasons 16/2021 GRI
Perseroan Perseroan
atau | or Standard
Internal External
POJK 51/2017
EKONOMI | ECONOMICS
1 Kinerja Keuangan/ Berdampak signifikan pada F2, F3 201-1, 201-3 √
Ekonomi pemangku kepentingan
Financial/ Significant impact on
Economic stakeholders
Performance
2 Kehadiran Pasar Berdampak signifikan pada F.20 √
Market Presence pemangku kepentingan
Significant impact on
stakeholders
3 Dampak ekonomi Berdampak signifikan pada F.23 203-1 √ √
tak langsung pemangku kepentingan
Indirect economic Significant impact on
impact stakeholders
4 Praktik Pengadaan Berdampak signifikan pada F2, F3 204-1 √ √
Procurement pemangku kepentingan
Practices Significant impact on
stakeholders
5 Anti Korupsi Berdampak signifikan pada F.1 205-2, 205-3 √ √
Anti-Corruption pembangunan dan pada reputasi
Perseroan
Significant impact on
development and on the
Company’s reputation
LINGKUNGAN | ENVIRONMENT
6 Energy Berdampak signifikan pada F.6 & F.7 302-1, 302-4 √
Energy pemangku kepentingan
Significant impact on
stakeholders
7 Emisi Berdampak signifikan pada F.11 305-1, 305-2 √
Emission pemangku kepentingan
Significant impact on
stakeholders
8 Kepatuhan Berdampak signifikan pada F.16 307-1 √
Lingkungan pemangku kepentingan dan
Environmental reputasi Perseroan
Compliance Significant impact on
stakeholders and the Company’s
reputation
SOSIAL | SOCIAL
9 Kepegawaian Berdampak signifikan pada F.18 401-1, 401-2 √
Employment pemangku kepentingan dan bagi
kesinambungan usaha
Significant impact on
stakeholders and business
continuity
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 371
Page 374
TANGGUNG JAWAB SOSIAL
Sosial Responsibility
TENTANG LAPORAN KEBERLANJUTAN
About Sustainability Report
Indeks Disclosure Boundary
Topik Material Alasan Materialitas SEOJK
No. Di dalam Diluar
Material Aspects Materiality Reasons 16/2021 GRI
Perseroan Perseroan
atau | or Standard
Internal External
POJK 51/2017
10 Kesehatan dan Berdampak signifikan pada F.21 403-1, 403-8 √
Keselamatan Kerja pemangku kepentingan
Occupational Significant impact on
Health and Safety stakeholders
11 Pelatihan dan Berdampak signifikan pada F.18 404-1, 404-2 √
Pendidikan pemangku kepentingan dan bagi 404-3
Training and kesinambungan usaha
Education Significant impact on
stakeholders and business
continuity
12 Lingkungan Bekerja Berdampak signifikan pada F.21 405-1 √ √
Working pemangku kepentingan dan
Environment reputasi Perseroan
Significant impact on
stakeholders and the Company’s
reputation
13 Masyarakat Lokal Berdampak signifikan pada F23. F.24, F.25 413-1 √
Local Community pemangku kepentingan dan
reputasi Perseroan
Significant impact on
stakeholders and the Company’s
reputation
14 Pemasaran dan Berdampak signifikan pada F.26, F.27 417-1, 417-2, √
Label Produk pemangku kepentingan dan 417-3
Marketing and reputasi Perseroan
Product Labels Significant impact on
stakeholders and the Company’s
reputation
15 Privasi Pelanggan Berdampak signifikan pada F.28, F.30 418-1 √
Customer Privacy pemangku kepentingan
Significant impact on
stakeholders
16 Kepatuhan Berdampak signifikan pada F.16, F.24 419-1 √
terhadap pemangku kepentingan dan
Regulasi Sosial & reputasi Perseroan
Lingkungan Significant impact on
Compliance stakeholders and the Company’s
with Social & reputation
Environmental
Regulations
FINANCIAL SERVICE SECTOR
17 Green Funding/ Berdampak signifikan pada FS1, FS3, FS4, √ √
Lending pemangku kepentingan, FS6, FS7,
keberlanjutan dan pada reputasi FS8,
Perseroan FS10, FS15,
Significant impact on FS16,
stakeholders, sustainability and
on the Company’s reputation
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TENTANG LAPORAN KEBERLANJUTAN
About Sustainability Report
KEANDALAN LAPORAN DAN UMPAN BALIK REPORT RELIABILITY AND FEEDBACK
Seluruh informasi yang diungkapkan dalam laporan All information disclosed in this report has undergone
ini telah melalui proses verifikasi internal Perseroan the Company’s internal verification process, making
sehingga dapat diandalkan untuk proses evaluasi dan it reliable for evaluation and decision-making
pengambilan keputusan. Perseroan masih belum processes. The Company has not yet conducted
melakukan proses verifikasi oleh pihak eksternal verification by external parties, but moving forward,
namun ke depannya, Nobu Bank berkomitmen Nobu Bank is committed to involving external parties
untuk melibatkan pihak eksternal dalam proses in the verification process to enhance the reliability of
verifikasi untuk meningkatkan kehandalan laporan the sustainability report.
keberlanjutan.
Dalam rangka meningkatkan kualitas Laporan To improve the quality of future reports, the Company
dimasa mendatang, Perseroan mengharapkan welcomes feedback from readers. Reader feedback
umpan balik dari para pembaca. Umpan balik dari can be provided through the following contact:
pembaca dapat disampaikan melalui kontak berikut
ini:
KONTAK [GRI 2-3] CONTACT [GRI 2-3]
Apabila memerlukan informasi lebih lanjut atau If you require further information or have questions
pertanyaan-pertanyaan tentang Laporan ini, silahkan about this report, please contact:
menghubungi:
Corporate Secretary
Graha Lippo
Jl. Boulevard Diponegoro No. 101
Lippo Village, Tangerang 15810
Banten, Indonesia
Telp: +6221 5999 0000
Email : corsec@nobuwwwbank.com
Web : www.nobuwwwbank.com
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 373
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
Daftar Indeks SEOJK16/2021
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Kriteria Penjelasan Halaman
Criteria Explanation Page
Umum
General
Laporan tahunan disajikan dalam
Bahasa Indonesia yang baik dan
benar dan dianjurkan menyajikan
juga dalam Bahasa Inggris.
The annual report should √
be presented in good and
correct Indonesian, and it was
recommended to present it also in
English.
Laporan tahunan dicetak
dengan kualitas yang baik dan
menggunakan jenis dan ukuran
huruf yang mudah dibaca. √
The annual report should be printed
in good quality and uses an easy-to-
read type and size.
Laporan tahunan mencantumkan
identitas perusahaan dengan jelas. Nama perusahaan dan tahun annual report ditampilkan di:
√
The annual report clearly stated the The company name and year of the annual report should be displayed on:
company’s identity.
1. Sampul muka;
√
Face cover;
2. Samping;
√
Side;
3. Sampul belakang; dan
√
Back cover; and
4. Setiap halaman.
√
Every page.
Laporan tahunan ditampilkan di
website perusahaan.
√
The annual report should be
available on the company website.
Kilas Kinerja
Performance Highlights
Ikhtisar data keuangan penting
memuat informasi keuangan
yang disajikan dalam bentuk
perbandingan selama 3 (tiga) tahun
buku atau sejak memulai usahanya
jika Emiten atau Perusahaan Publik
tersebut menjalankan kegiatan
usahanya kurang dari 3 (tiga) tahun. Informasi memuat antara lain:
The summary of important Information in the annual reports includes the following:
financial data contained financial
information presented in the form of
a comparison for 3 (three) financial
years or since starting its business
if the Issuer or Public Company had
been running its business activities
for less than 3 (three) years.
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1. Pendapatan/penjualan;
Revenue/sales;
2. Laba bruto;
Gross profit;
3. Laba (rugi);
Profit (loss);
4. Jumlah laba (rugi) yang dapat diatribusikan kepada pemilik entitas
induk dan kepentingan non pengendali;
Total profit (loss) attributable to owners of the parent entity and non-
10
controlling interests;
5. Total laba (rugi) komprehensif;
Total comprehensive profit (loss);
6. Jumlah laba (rugi) komprehensif yang dapat diatribusikan kepada
pemilik entitas induk dan kepentingan non Pengendali;
Total comprehensive profit (loss) attributable to owners of the parent
entity and non-controlling interests;
7. Laba (rugi) per saham;
Earnings (loss) per share;
8. Jumlah aset;
Total assets;
9. Jumlah liabilitas;
10
Total liabilities;
10. Jumlah ekuitas;
Total equity;
11. Rasio laba (rugi) terhadap jumlah aset;
Ratio of profit (loss) to total assets;
12. Rasio laba (rugi) terhadap ekuitas;
Ratio of profit (loss) to equity;
13. Rasio laba (rugi) terhadap pendapatan/penjualan;
Ratio of profit (loss) to income/sales;
14. Rasio lancar;
Current ratio;
15. Rasio liabilitas terhadap ekuitas;
Ratio of liabilities to equity;
16. Rasio liabilitas terhadap jumlah aset;
Ratio of liabilities to total assets;
11
17. Rasio KPMM;
CAR ratio;
18. Rasio Return on Asset (ROA);
Ratio of Return on Assets (ROA);
19. Rasio Return on Equity (ROE);
Ratio of Return on Equity (ROE);
20. Aset produktif
Productive Assets;
21. Rasio Non-performing Loans (NPL);
Ratio of Non-performing Loans (NPL);
22. Rasio Beban Operasional terhadap Pendapatan Operasional (BOPO);
Ratio of Operating Expenses to Operating Income (BOPO);
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 375
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Kriteria Penjelasan Halaman
Criteria Explanation Page
23. Cost to Income Ratio (CIR);
Cost to Income Ratio (CIR);
24. Rasio Net Interest Margin (NIM);
Net Interest Margin Ratio (NIM);
25. Persentase pelanggaran dan pelampauan Batas Maksimum
Pemberian Kredit (BMPK);
Percentage of violations and exceeding the Maximum Lending Limit
(BMPK);
11
26. Rasio Giro Wajib Minimum (GWM);
Statutory Reserves Ratio (GWM);
27. Rasio Posisi Devisa Neto (PDN); dan
Ratio of Net Open Position (GDP); and
28. Informasi dan rasio keuangan lainnya yang relevan dengan emiten
atau perusahaan publik dan jenis industrinya.
Information and other financial ratios relevant to the issuer or public
company and the type of industry.
Informasi Saham Informasi saham bagi Perusahaan Terbuka paling sedikit memuat:
Stock Price Information Share information for a Public Company should at least contain:
1. Saham yang telah diterbitkan untuk setiap masa triwulan yang
disajikan dalam bentuk perbandingan selama 2 (dua) tahun buku
terakhir, paling sedikit memuat: 12
Shares issued for each quarterly period were presented in the form of a
comparison for the last 2 (two) financial years, at least containing:
a. Jumlah saham yang beredar;
13-14
Number of outstanding shares;
b. Kapitalisasi pasar berdasarkan harga pada bursa efek tempat
saham dicatatkan;
13-14
Market capitalization based on the price on the stock exchange
where the shares were listed;
c. Harga saham tertinggi, terendah, dan penutupan berdasarkan
harga pada bursa efek tempat saham dicatatkan; dan
13-14
The highest, lowest and closing share prices were based on prices
on the stock exchange where the shares are listed; and
d. Volume perdagangan pada bursa efek tempat saham dicatatkan.
Trading volume on the stock exchange where the shares are listed.
Informasi dalam huruf b), huruf c) dan huruf d) hanya diungkapkan jika 13-14
sahamnya tercatat di bursa efek;
Information in letter b), letter c) and letter d) is only disclosed if the shares
are listed on the stock exchange;
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
16-18
paling sedikit mengenai:
In the event of a corporate action causing changes in shares, such as
stock splits, reverse stock, stock dividends, bonus shares, changes in
the nominal value of shares, issuance of conversion securities, as well
as capital additions and deductions, stock information as referred to
in number 1) should be added with at least an explanation regarding:
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a. Tanggal pelaksanaan aksi korporasi;
The date of implementation of the corporate action;
b. Rasio pemecahan saham (stock split), penggabungan saham
(reverse stock), dividen saham, saham
The ratio of stock splits, reverse stock, stock dividends,
bonus, jumlah efek konversi yang diterbitkan, dan perubahan nilai
nominal saham;
bonus shares, the number of convertible securities issued, and
changes in the nominal value of shares;
c. Jumlah saham beredar sebelum dan sesudah aksi korporasi;
Number of outstanding shares before and after the corporate
action;
d. Jumlah efek konversi yang dilaksanakan (jika ada); dan
Number of conversion effects executed (if any); and
e. Harga saham sebelum dan sesudah aksi korporasi;
Share prices before and after corporate actions;
3. Dalam hal terjadi penghentian sementara perdagangan saham 16-18
(suspension) dan/atau pembatalan pencatatan saham (delisting)
dalam tahun buku, dijelaskan alasan penghentian sementara
perdagangan saham (suspension) dan/atau pembatalan pencatatan
saham (delisting) tersebut; dan
In the event of a temporary suspension of share trading (suspension)
and/or delisting of shares in the financial year, the should be explained;
and
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.
In the event that the temporary suspension of share trading as
referred to in number 3) and/or the delisting process was still ongoing
until the end of the Annual Report period, it explained the actions
taken to resolve the temporary suspension of share trading and/ or
cancellation of the share listing (delisting).
Informasi mengenai obligasi, sukuk Informasi memuat:
atau obligasi konversi yang masih Information contained:
beredar dalam 2 (dua) tahun buku
terakhir
Information on bonds, sukuk or
N.a
convertible bonds that were still
outstanding in the last 2 (two)
financial years. Reports of the
Board of Directors and the Board of
Commissioners
1. Jumlah obligasi/sukuk/obligasi konversi yang beredar (outstanding);
Number of outstanding bonds/sukuk/convertible bonds;
2. Tingkat bunga/imbalan;
Interest rate/yield;
3. Tanggal jatuh tempo; dan 14
Due date; and
4. Peringkat obligasi/sukuk tahun 2020 dan 2021.
Bond/sukuk ratings for 2020 and 2021.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 377
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Criteria Explanation Page
Catatan: apabila perusahaan tidak memiliki obligasi/sukuk/ obligasi
konversi, agar diungkapkan.
N.a
Note: if the company did not have bonds/sukuk/convertible bonds, it had
to be disclosed.
Laporan Dewan Komisaris dan
Direksi
Reports of the Board of Directors
and the Board of Commissioners
Laporan Dewan Komisaris Laporan Dewan Komisaris paling sedikit memuat uraian singkat
Board of Commissioners Report mengenai:
The report of the Board of Commissioners should at least contain a brief
description about:
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;
Assessment of the performance of the Board of Directors regarding 36-37
the management of Issuers or Public Companies, including the
supervision of the Board of Commissioners in the formulation and
implementation of strategies for Issuers or Public Companies carried
out by the Board of Directors;
2. Pandangan atas prospek usaha Emiten atau Perusahaan Publik yang
disusun oleh Direksi; dan
37-38
Views on the business prospects of the Issuer or Public Company
prepared by the Board of Directors; and
3. Pandangan atas penerapan tata kelola Emiten atau Perusahaan
Publik.
38
Views on the implementation of the governance of the Issuer or Public
Company.
4. Perubahan komposisi Dewan Komisaris (jika ada) dan alasan
perubahannya.
38-39
Changes in the composition of the Board of Commissioners (if any)
and the reasons for the changes.
Laporan Direksi Laporan Direksi paling sedikit memuat uraian singkat mengenai:
Board of Directors’ Report The Board of Directors’ report should at least contain a brief description of:
1. Kinerja Emiten atau Perusahaan Publik, paling sedikit memuat:
Performance of Issuers or Public Companies, at least containing:
a. Strategi dan kebijakan strategis Emiten atau Perusahaan Publik;
27-29
Issuer’s or Public Company’s strategy and strategic policies;
b. Peranan Direksi dalam perumusan strategi dan kebijakan
strategis Emiten atau Perusahaan Publik;
29
The role of the Board of Directors in formulating strategies and
strategic policies of Issuers or Public Companies;
c. Proses yang dilakukan Direksi untuk memastikan implementasi
strategi Emiten atau Perusahaan Publik;
29
The process carried out by the Board of Directors to ensure the
implementation of the Issuer’s or Public Company’s strategy;
d. Perbandingan antara hasil yang dicapai dengan yang ditargetkan
Emiten atau Perusahaan Publik; dan
28
Comparison between the results achieved with those targeted by
the Issuer or Public Company; and
e. Kendala yang dihadapi Emiten atau Perusahaan Publik;
29
Constraints faced by Issuers or Public Companies;
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2. Gambaran tentang prospek usaha Emiten atau Perusahaan Publik;
dan
25-27
Description of the business prospects of the Issuer or Public Company;
and
3. Penerapan tata kelola Emiten atau Perusahaan Publik.
29
Implementation of the governance of Issuers or Public Companies.
4. Perubahan komposisi anggota Direksi (jika ada) dan alasan
perubahannya.
39
Changes in the composition of the members of the Board of Directors
(if any) and the reasons for the changes.
Tanda tangan anggota Direksi dan Memuat hal-hal sebagai berikut:
Dewan Komisaris It described:
Signatures of members of the
Board of Directors and Board of
Commissioners
1. Tanda tangan dituangkan pada lembaran tersendiri;
The signature is poured on a separate sheet;
2. Pernyataan bahwa Dewan Komisaris dan Direksi bertanggung jawab
penuh atas kebenaran isi laporan tahunan;
A statement that the Board of Commissioners and Board of Directors
are fully responsible for the correctness of the contents of the annual
report;
3. Ditandatangani seluruh anggota Dewan Komisaris dan anggota
Direksi dengan menyebutkan nama dan jabatannya; dan
Signed by all members of the Board of Commissioners and members
of the Board of Directors stating their names and positions; and 41
4. Penjelasan tertulis dalam surat tersendiri dari yang bersangkutan
dalam hal terdapat anggota Dewan Komisaris atau anggota Direksi
yang tidak menandatangani laporan tahunan, atau penjelasan tertulis
dalam surat tersendiri dari anggota yang lain dalam hal tidak terdapat
penjelasan tertulis dari yang bersangkutan.
A written explanation in a separate letter from the person concerned in
the event that there is a member of the Board of Commissioners or a
member of the Board of Directors who does not sign the annual report,
or a written explanation in a separate letter from another member in the
event that there is no written explanation from the person concerned.
Profil Perusahaan
Company Profile
Nama dan alamat lengkap Akses terhadap Emiten atau Perusahaan Publik termasuk kantor
perusahaan cabang atau kantor perwakilan yang memungkinkan masyarakat dapat
Company name and full address memperoleh informasi mengenai Emiten atau Perusahaan Publik,
meliputi:
Access to Issuers or Public Companies including branch offices or
representative offices that allowed the public to obtain information about
Issuers or Public Companies, including:
1. Alamat;
44
Address;
2. Nomor telepon;
Telephone number;
3. Alamat surat elektronik; dan
Electronic mail address; and
4. Alamat situs web;
Website address;
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 379
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Riwayat singkat Emiten atau Mencakup antara lain: tanggal/ tahun pendirian, nama, perubahan nama
Perusahaan Publik; perusahaan (jika ada), dan tanggal efektif perubahan nama perusahaan.
Brief history of the Issuer or Public It included: date/year of establishment, name, change of company name
Company (if any), and effective date of change of company name. 46-50
Catatan: apabila perusahaan tidak pernah melakukan perubahan nama,
agar diungkapkan.
Note: if the company had never changed its name, it should be disclosed.
Bidang usaha Uraian mengenai antara lain:
Business fields It described:
1. Kegiatan usaha perusahaan menurut anggaran dasar terakhir;
The company’s business activities according to the latest articles of
association;
2. Kegiatan usaha yang dijalankan; dan 54-59
Business activities carried out; and
3. Produk dan/atau jasa yang dihasilkan.
Products and/or services produced.
Visi, Misi, dan Budaya Perusahaan Mencakup:
Vision, Mission and Corporate It included:
Culture
1. Visi perusahaan;
Company vision;
2. Misi perusahaan;
Company mission;
3. Keterangan bahwa visi dan misi tersebut telah direviu dan disetujui
oleh Direksi/Dewan Komisaris pada tahun buku; dan 52-53
Information that the vision and mission had been reviewed and
approved by the Board of Directors/Board of Commissioners for the
financial year; and
4. Pernyataan mengenai budaya perusahaan (corporate culture) yang
dimiliki Perusahaan.
A statement regarding the corporate culture of the Company.
Wilayah operasional Emiten atau Perusahaan Publik; wilayah operasional
merupakan wilayah atau daerah pelaksanaan kegiatan operasional atau
Wilayah Operasional jangkauan dari kegiatan operasional perusahaan.
60-67
Operational Area Operational area of Issuer or Public Company; operational area was the
area or area for the implementation of operational activities or the range
of the company’s operational activities.
Struktur organisasi Emiten atau Perusahaan Publik 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.
Struktur Organisasi
The organizational structure of the Issuer or Public Company in the form 68-69
Organizational structure
of a chart, at least up to the structure of 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.
Daftar keanggotaan asosiasi industri baik dalam skala nasional maupun
Keanggotaan Asosiasi internasional yang berkaitan dengan penerapan keuangan berkelanjutan.
45
Association Member List of industry association memberships both on a national and
international scale related to the implementation of sustainable finance.
Profil Dewan Komisaris Profil Dewan Komisaris, paling sedikit memuat:
Board of Commissioners Profile Profile of the Board of Commissioners, at least contained:
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1. Nama dan jabatan;
Name and position;
2. Foto terbaru;
Recent photos;
3. Usia;
Age;
4. Kewarganegaraan;
Citizenship;
5. Riwayat pendidikan dan/atau sertifikasi;
70-75
Educational history and/or certification;
6. Riwayat jabatan, meliputi informasi:
Position history, including information on:
a. Dasar hukum pengangkatan sebagai anggota Dewan Komisaris;
Legal basis for appointment as member of the Board of
Commissioners;
b. Dasar hukum pengangkatan pertama kali sebagai anggota
Dewan Komisaris yang merupakan komisaris independen pada
Emiten atau Perusahaan Publik yang bersangkutan;
The legal basis for the first appointment as a member of the Board
of Commissioners who was an independent commissioner of the
Issuer or Public Company concerned;
c. 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;
Concurrent positions, either as a member of the Board of
Commissioners, member of the Board of Directors, and/or
committee member as well as other positions both inside and
outside the Issuer or Public Company. In the event that a member
of the Board of Commissioners did not have concurrent positions,
then this should be disclosed;
d. Pengalaman kerja beserta periode waktunya baik di dalam
maupun di luar Emiten atau Perusahaan Publik;
Work experience and period of time both inside and outside the
Issuer or Public Company;
7. Hubungan afiliasi dengan anggota Dewan Komisaris lainnya, 70-75
pemegang saham utama, dan pengendali baik langsung maupun
tidak langsung sampai kepada pemilik individu, meliputi nama pihak
yang terafiliasi;
Affiliation with other members of the Board of Commissioners, major
shareholders, and controllers, either directly or indirectly, to individual
owners, including names of affiliated parties;
Dalam hal anggota Dewan Komisaris tidak memiliki hubungan afiliasi,
maka Emiten atau Perusahaan Publik mengungkapkan hal tersebut;
In the event that a member of the Board of Commissioners had no
affiliation, the Issuer or Public Company should disclose this matter;
8. Pernyataan independensi komisaris independen dalam hal komisaris
independen telah menjabat lebih dari 2 (dua) periode; dan
Statement of independence of the independent commissioner in the
event that the independent commissioner had served more than 2
(two) terms; and
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9. Perubahan komposisi anggota Dewan Komisaris dan alasan
perubahannya. Dalam hal tidak terdapat
Changes in the composition of the members of the Board of
70-75
Commissioners and the reasons for the changes. In the event that
there was no change in the composition of the members of the Board
of Commissioners, this matter should be disclosed;
Profil Direksi Profil Direksi, paling sedikit memuat:
Board of Directors Profile Profile of the Board of Directors, at least contained:
1. Nama dan jabatan yang sesuai dengan tugas dan tanggung jawab;
Name and position in accordance with the duties and responsibilities;
2. Foto terbaru;
Recent photos;
3. Usia;
Age;
4. Kewarganegaraan;
Citizenship;
5. Riwayat pendidikan dan/atau sertifikasi;
Educational history and/or certification;
6. Riwayat jabatan, meliputi informasi:
Position history, including information on:
a. Dasar hukum pengangkatan sebagai anggota Direksi pada
Emiten atau Perusahaan Publik yang bersangkutan;
The legal basis for appointment as a member of the Board of
Directors of the Issuer or Public Company concerned;
b. 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 76-82
Concurrent positions, either as a member of the Board of Directors,
member of the Board of Commissioners, and/or committee
member as well as other positions both inside and outside the
Issuer or Public Company. In the event that a member of the
Board of Directors does not have concurrent positions, then this
was disclosed; and
c. Pengalaman kerja beserta periode waktunya baik di dalam
maupun di luar Emiten atau Perusahaan Publik;
Work experience and period of time both inside and outside the
Issuer or Public Company;
7. 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
Affiliation with other members of the Board of Directors, members
of the Board of Commissioners, major shareholders, and controllers
either directly or indirectly to individual owners, including names of
affiliated parties. In the event that a member of the Board of Directors
had no affiliation, the Issuer or Public Company should disclose this
matter; and
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Criteria Explanation Page
8. Perubahan komposisi anggota Direksi dan alasan perubahannya.
Dalam hal tidak terdapat perubahan komposisi anggota Direksi,
maka diungkapkan mengenai hal tersebut;
Changes in the composition of the members of the Board of Directors 76-82
and the reasons for the changes. In the event that there was no
change in the composition of the members of the Board of Directors,
this matter should be disclosed;
Jumlah karyawan dan data
pengembangan kompetensi Jumlah karyawan menurut jenis kelamin, jabatan, usia, tingkat pendidikan,
karyawan. dan status ketenagakerjaan (tetap/kontrak) dalam tahun buku;
Number of employees and Number of employees by gender, position, age, education level, and
data on employee competency employment status (permanent/contracted) in the financial year; 90
development.
Pengungkapan informasi dapat disajikan dalam bentuk tabel.
Disclosure of information could be presented in tabular form.
Nama pemegang saham dan persentase kepemilikan pada awal dan
Komposisi pemegang saham akhir tahun buku, yang terdiri dari informasi mengenai:
Composition of shareholders Name of shareholders and percentage of ownership at the beginning and
end of the financial year consisted of information regarding:
1. Pemegang saham yang memiliki 5% (lima persen) atau lebih saham
Emiten atau Perusahaan Publik;
Shareholders owning 5% (five percent) or more shares of the Issuer or
Public Company;
2. Anggota Direksi dan anggota Dewan Komisaris yang memiliki saham
Emiten atau Perusahaan Publik.
Members of the Board of Directors and members of the Board of
Commissioners owning shares of Issuers or Public Companies.
Dalam hal seluruh anggota Direksi dan/atau seluruh anggota Dewan
Komisaris tidak memiliki saham, maka diungkapkan mengenai hal
tersebut;
In the event that all members of the Board of Directors and/or all members
of the Board of Commissioners did not own shares, then this matter
should be disclosed;
3. Persentase kepemilikan tidak langsung atas saham Emiten atau
91
Perusahaan Publik oleh anggota Direksi dan anggota Dewan
Komisaris pada awal dan akhir tahun buku, termasuk informasi
mengenai pemegang saham yang terdaftar dalam daftar pemegang
saham untuk kepentingan kepemilikan tidak langsung anggota
Direksi dan anggota Dewan Komisaris;
Percentage of indirect ownership of shares of Issuers or Public
Companies 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 on shareholders registered in the shareholder
register for the benefit of indirect ownership of members of the Board
of Directors and members of the Board of Commissioners;
Dalam hal seluruh anggota Direksi dan/atau seluruh anggota Dewan
Komisaris tidak memiliki kepemilikan tidak langsung atas saham Emiten
atau Perusahaan Publik, maka diungkapkan mengenai hal tersebut.
In the event that all members of the Board of Directors and/or all members
of the Board of Commissioners did not have indirect ownership of the
shares of the Issuer or Public Company, this matter shouldl be disclosed.
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Criteria Explanation Page
Kelompok pemegang saham masyarakat, yaitu kelompok pemegang
saham yang masing-masing memiliki kurang dari 5% (lima persen)
saham Emiten atau Perusahaan Publik;
Community shareholder group, namely the group of shareholders who
each owned less than 5% (five percent) of the shares of the Issuer or
Public Company;
4. Jumlah pemegang saham dan persentase kepemilikan per akhir
tahun buku berdasarkan klasifikasi:
Number of shareholders and percentage of ownership at the end of
the financial year based on classification:
a. Kepemilikan institusi lokal;
91
Ownership of local institutions;
b. Kepemilikan institusi asing;
Ownership of foreign institutions;
c. Kepemilikan individu lokal; dan
Local individual ownership; and
d. Kepemilikan individu asing;
Foreign individual ownership;
Informasi di atas dapat disajikan dalam bentuk tabel.
The above information could be presented in tabular form.
Informasi mengenai pemegang saham utama dan pengendali Emiten
atau Perusahaan Publik, baik langsung maupun tidak langsung, sampai
Pemegang saham utama dan
kepada pemilik individu, yang disajikan dalam bentuk skema atau bagan;
pengendali 91
Information regarding the main and controlling shareholders of the Issuer
Major and controlling shareholders
or Public Company, either directly or indirectly, to the individual owners
presented in the form of a scheme or chart;
Nama entitas anak, perusahaan asosiasi, perusahaan ventura bersama
dimana Emiten atau Perusahaan Publik memiliki pengendalian bersama
entitas (jika ada), beserta persentase kepemilikan saham, bidang
Daftar entitas anak dan/atau usaha, total aset, dan status operasi entitas anak, perusahaan asosiasi,
entitas asosiasi perusahaan ventura bersama.
List of subsidiaries and/or The name of the subsidiary, associated company, joint venture company
associated entities where the Issuer or Public Company had joint control of the entity (if
any), along with the percentage of share ownership, line of business, total 92
assets, and operating status of the subsidiary, associated company, joint
venture company.
Untuk entitas anak, ditambahkan informasi mengenai alamat entitas
anak tersebut.
For a subsidiary, information about the address of the subsidiary was
added.
Informasi terkait dengan Kelompok
Usaha Bank
Information related to the Bank
Business Group
Struktur grup perusahaan dalam bentuk bagan yang menggambarkan
entitas induk, entitas anak, entitas asosiasi, joint venture, dan special
Struktur grup perusahaan purpose vehicle (SPV).
92
Company group structure Company group structure in the form of a chart depicting parent entities,
subsidiaries, associates, joint ventures, and special purpose vehicles
(SPV).
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Criteria Explanation Page
Kronologis pencatatan saham, jumlah saham, nilai nominal, dan harga
penawaran dari awal pencatatan hingga akhir tahun buku serta nama
bursa efek dimana 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
Kronologi pencatatan saham dan pengurangan modal (jika ada);
93
Share listing chronology 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 shares of the Issuer or
Public Company were listed, including stock splits, reverse stock, stock
dividends, bonus shares, and changes in the nominal value of shares,
implementation of conversion effects, implementation of capital additions
and subtractions (if any);
Kronologis penerbitan efek Informasi pencatatan efek lainnya yang belum jatuh tempo pada tahun
(termasuk private placement) dan/ buku paling sedikit memuat nama efek, tahun penerbitan, tingkat suku
atau pencatatan saham dari awal bunga/imbal hasil, tanggal jatuh tempo, nilai penawaran, dan peringkat
penerbitan sampai dengan akhir efek (jika ada);
tahun buku. Other securities listing information that had not matured in the financial
93
Chronology of securities issuance year at least included the name of the securities, year of issue, interest
(including private placement) and/ rate/yield, maturity date, offering value, and rating of securities (if any);
or share listing from the initial
issuance to the end of the financial
year.
Informasi penggunaan jasa
akuntan publik (AP) dan kantor Informasi penggunaan jasa akuntan publik (AP) dan kantor akuntan
akuntan publik (KAP) publik (KAP) beserta jaringan/asosiasi/aliansinya meliputi:
Information on the use of public Information on the use of public accounting services (AP) and public
accountants (AP) and public accounting firms (KAP) and their networks/associations/ allies included:
accounting firms (KAP)
1. Nama dan alamat;
Name and address;
2. Periode penugasan;
Assignment period;
3. Informasi jasa audit dan/atau non audit yang diberikan;
Information on audit and/or non-audit services provided;
4. Biaya jasa (fee) audit dan/atau non audit untuk masing- masing 93
penugasan yang diberikan selama tahun buku; dan
Audit and/or non-audit fees for each assignment given during the
financial year; and
5. Dalam hal AP dan KAP beserta jaringan/asosiasi/ aliansinya, yang
ditunjuk tidak memberikan jasa non audit, maka diungkapkan
mengenai informasi tersebut.
In the event that AP and KAP and their networks/ associations/allies,
which are appointed do not provide non-audit services, then the
information is disclosed.
Pengungkapan informasi penggunaan jasa AP dan KAP beserta jaringan/
asosiasi/aliansinya dapat disajikan dalam bentuk tabel.
Disclosure of information on the use of AP and KAP services and their
networks/associations/allies could be presented in tabular form.
Nama dan alamat lembaga dan/ Nama dan alamat lembaga dan/atau profesi penunjang pasar modal
atau profesi penunjang selain AP dan KAP.
93
Name and address of supporting Name and address of capital market supporting institutions and/or
institutions and/or professions professions other than AP and KAP.
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Criteria Explanation Page
Penghargaan yang diterima dalam tahun buku terakhir dan/atau sertifikasi yang masih berlaku dalam tahun
buku terakhir baik yang berskala nasional maupun internasional
Awards received in the last financial year and/or certifications that are still valid in the last financial year both on
a national and international scale
Informasi memuat antara lain:
It contained nformation in the following:
1. Nama penghargaan dan/atau sertifikasi;
Name of award and/or certification; 94-96
2. Tahun perolehan penghargaan dan/atau sertifikasi;
Year of award and/or certification;
3. Badan pemberi penghargaan dan/atau sertifikasi; dan
The awarding and/or certification body; and
4. Masa berlaku (untuk sertifikasi).
Validity period (for certification).
Nama dan alamat entitas anak
dan/atau kantor cabang atau
kantor perwakilan (jika ada) Memuat informasi antara lain:
Name and address of the It contained information including:
subsidiary and/or branch office or
representative office (if any)
1. Nama dan alamat entitas anak; dan
Name and address of the subsidiary; and N.a
2. Nama dan alamat kantor cabang/perwakilan.
Name and address of branch/representative office.
Catatan: apabila perusahaan tidak memiliki entitas anak, kantor cabang,
dan kantor perwakilan, agar diungkapkan.
Note: if the company did not have a subsidiary, branch office, and
representative office, it should be disclosed.
Informasi pada Website
Meliputi paling kurang:
Perusahaan
It included at least:
Information on Company Website
1. Informasi pemegang saham sampai dengan pemilik akhir individu;
Shareholder information up to the individual ultimate owner;
2. Isi Kode Etik;
Fill in the Code of Ethics;
3. Informasi Rapat Umum Pemegang Saham (RUPS) paling kurang
meliputi bahan mata acara yang dibahas dalam RUPS, ringkasan
risalah RUPS, dan informasi tanggal penting yaitu tanggal
pengumuman RUPS, tanggal pemanggilan RUPS, tanggal RUPS, 95
tanggal ringkasan risalah RUPSdiumumkan;
3. Information on the General Meeting of Shareholders (GMS) at least
includes material on the agenda discussed in the GMS, a summary of
the minutes of the GMS, and information on important dates, namely
the date of the announcement of the GMS, the date of the invitation to
the GMS, the date of the GMS, the date of the summary of the minutes
of the GMS being announced;
4. Laporan keuangan tahunan terpisah (5 tahun terakhir);
Separate annual financial statements (last 5 years);
5. Profil Dewan Komisaris dan Direksi; dan
Profile of the Board of Commissioners and Board of Directors; and
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6. Piagam/Charter Dewan Komisaris, Direksi, Komitekomite, dan Unit
Audit Internal.
N.a
Charter of the Board of Commissioners, Board of Directors,
Committees, and Internal Audit Unit.
Analisa dan Pembahasan
Manajemen atas Kinerja
Perusahaan
Management Discussion and
Analysis on Company Performance
Tinjauan operasi per segmen usaha sesuai dengan jenis industri Emiten
Tinjauan operasi per segmen usaha
atau Perusahaan Publik, paling sedikit mengenai:
Operational review by business
Operational review per business segment according to the type of industry
segment
of the Issuer or Public Company, at least regarding:
1. Penjelasan masing-masing segmen usaha.
Explanation of each business segment.
2. Kinerja per segmen usaha, antara lain:
Performance per business segment, including:
107-115
a. Produksi, yang meliputi proses, kapasitas, dan perkembangannya;
Production, which includes the process, capacity, and development;
b. Peningkatan/penurunan kapasitas produksi;
Increase/decrease in production capacity;
c. Penjualan/pendapatan usaha; dan
Sales/operating income; and
d. Profitabilitas
Profitability
Analisis kinerja keuangan yang mencakup perbandingan antara kinerja
keuangan tahun yang bersangkutan dengan tahun sebelumnya dan
Uraian atas kinerja keuangan penyebab kenaikan/penurunan suatu akun (dalam bentuk narasi dan
perusahaan tabel), antara lain mengenai:
Description of the company’s Financial performance analysis which included a comparison between
financial performance the financial performance of the year concerned with the previous year
and the causes of an increase/decrease in an account (in the form of
narratives and tables), including regarding:
1. Aset lancar, aset tidak lancar, dan total aset;
118
Current assets, non-current assets, and total assets;
2. Liabilitas jangka pendek, liabilitas jangka panjang dan total liabilitas;
119
Short-term liabilities, long-term liabilities and total liabilities;
3. Ekuitas;
119
Equity;
4. Penjualan/pendapatan usaha, beban, laba (rugi), penghasilan
komprehensif lain, dan penghasilan komprehensif periode berjalan;
119-121
Sales/operating income, expenses, profit (loss), other comprehensive
income, and comprehensive income for the current period;
5. Arus kas;
121
Cash flow;
6. Suku bunga dasar kredit;
128
Basic loan interest rate;
7. Analisis kualitas aset produktif dan rasio keuangan yang relevan.
124
Analysis of the quality of earning assets and relevant financial ratios.
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Bahasan dan analisis tentang kemampuan membayar utang dan tingkat kolektibilitas piutang perusahaan,
dengan menyajikan perhitungan rasio yang relevan sesuai dengan jenis industri perusahaan
Discussion and analysis of abilities To pay debts and the collectibility level of the company’s receivables, by
presenting the relevant ratio calculations according to the type of company industry
Penjelasan tentang:
Explanation of:
1. Kemampuan membayar hutang, baik jangka pendek maupun jangka
panjang dan 121 -122
Ability to pay debts, both short term and long term and
2. Tingkat kolektibilitas piutang.
122-123
The level of collectibility of receivables.
Bahasan tentang struktur modal
(capital structure) dan kebijakan
manajemen atas struktur modal
Penjelasan atas:
(capital structure policy)
The explanation consisted of:
Discussion on capital structure and
management of capital structure
policy
1. Rincian struktur modal (capital structure) yang terdiri dari utang
berbasis bunga/sukuk dan ekuitas; dan
123
Details of the capital structure consisting of interest- based debt/
sukuk and equity; and
2. Kebijakan manajemen atas struktur modal (capital structure policies);
dan
123
Management policies on capital structure (capital structure policies);
and
3. Dasar pemilihan kebijakan manajemen
123
Basis for selecting management policy
Bahasan mengenai ikatan yang
material untuk investasi barang
modal (bukan ikatan pendanaan)
pada tahun buku terakhir
Penjelasan tentang:
Discussion on material
It explained:
commitments for capital
goods investment (not funding
commitments) in the last financial
year
1. Nama pihak yang melakukan ikatan;
The name of the party making the bond;
2. Tujuan dari ikatan tersebut;
The purpose of the bond;
3. Sumber dana yang diharapkan untuk memenuhi ikatan-ikatan
tersebut; 126
The expected source of funds to fulfill these commitments;
4. Mata uang yang menjadi denominasi; dan
Currency to be denominated; and
5. Langkah-langkah yang direncanakan perusahaan untuk melindungi
risiko dari posisi mata uang asing yang terkait.
Measures planned by the company to protect the risk from the related
foreign currency position.
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Catatan: apabila perusahaan tidak mempunyai ikatan terkait investasi
barang modal pada tahun buku terakhir agar diungkapkan.
126
Note: if the company did not have a commitment related to investment in
capital goods in the last financial year, it should be disclosed.
Bahasan mengenai investasi
barang modal yang direalisasikan
pada tahun buku terakhir Penjelasan tentang:
Discussion on investment in capital It explained:
goods realized in the last financial
year
1. Jenis investasi barang modal;
124
Types of investment in capital goods;
2. Tujuan investasi barang modal; dan
The purpose of investment in capital goods; and
3. Nilai investasi barang modal yang dikeluarkan pada tahun buku
terakhir.
The investment value of capital goods issued in the last financial year.
Catatan: apabila tidak terdapat realisasi investasi barang modal, agar
diungkapkan.
Note: if there was no realization of capital goods investment, it should be
disclosed.
Informasi perbandingan antara
target pada awal tahun buku
dengan hasil yang dicapai
(realisasi), dan target atau proyeksi
yang ingin dicapai untuk satu tahun Perbandingan antara target/proyeksi pada awal tahun buku dengan hasil
mendatang. yang dicapai (realisasi), mengenai:
Comparison information between Comparison between targets/projections at the beginning of the year
the target at the beginning of the book with the results achieved (realization), regarding:
financial year with the results
achieved (realization), and the
targets or projections to be achieved
for the coming year.
1. Pendapatan/penjualan;
Revenue/sales;
2. Laba (rugi);
123-127
Profit (loss);
3. Struktur modal (capital structure);
Capital structure;
4. Pemasaran;
Marketing;
5. Pengembangan SDM;
HR Development;
6. Hal lainnya yang dianggap penting bagi Emiten atau Perusahaan
Publik.
Other matters deemed important to the Issuer or Public Company.
Target/proyeksi yang ingin dicapai Emiten atau Perusahaan Publik untuk
1 (satu) tahun mendatang, mengenai:
Targets/projections to be achieved by the Issuer or Public Company for
the next 1 (one) year,
about:
1. Pendapatan/penjualan;
125
Revenue/sales;
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2. Laba (rugi);
Profit (loss);
3. Struktur modal (capital structure);
Capital structure (capital structure);
4. Kebijakan dividen;
Dividend Policy;
5. Pemasaran; 125
Marketing;
6. Pengembangan SDM;
HR Development;
7. Hal lainnya yang dianggap penting bagi Emiten atau Perusahaan
Publik.
Other matters deemed important to the Issuer or Public Company.
Informasi dan fakta material yang Uraian kejadian penting setelah tanggal laporan akuntan termasuk
terjadi setelah tanggal laporan dampaknya terhadap kinerja dan risiko usaha di masa mendatang.
akuntan Description of significant events after the date of the accountant’s report
Material information and facts including their impact on future business performance and risks.
occurring after the date of the
accountant’s report 126
Catatan: apabila tidak ada kejadian penting setelah tanggal laporan
akuntan agar diungkapkan.
Note: if there was no significant event after the date of the accountant’s
report, it should be disclosed.
Prospek usaha dari Emiten atau Perusahaan Publik dikaitkan dengan
Uraian tentang prospek usaha kondisi industri, ekonomi secara umum dan pasar internasional disertai
perusahaan data pendukung kuantitatif dari sumber data yang layak dipercaya.
102-103
Description of the company’s The business prospects of the Issuer or Public Company are related to
business prospects industrial conditions, the general economy and the international market
accompanied by quantitative supporting data from reliable data sources.
Aspek pemasaran atas barang dan/atau jasa Emiten atau Perusahaan
Uraian tentang aspek pemasaran Publik, paling sedikit mengenai strategi pemasaran dan pangsa pasar.
104-106
Description of the marketing aspect The marketing aspect of the goods and/or services of the Issuer or Public
Company, at least regarding the marketing strategy and market share.
Uraian mengenai dividen selama 2 Uraian mengenai dividen selama 2 (dua) tahun buku terakhir, paling
(dua) tahun buku terakhir. sedikit:
Description of dividends for the last Description of dividends for 2 (two) financial years last, at least:
2 (two) financial years
1. Kebijakan dividen, antara lain memuat informasi persentase jumlah
dividen yang dibagikan terhadap laba bersih;
Dividend policy contained information of the percentage of total
dividends distributed to net income;
2. Tanggal pembayaran dividen kas dan/atau tanggal distribusi dividen
non kas;
128
Date of payment of cash dividends and/or date of distribution of non-
cash dividends;
3. Jumlah dividen per saham (kas dan/atau non kas);
Total dividends per share (cash and/or non-cash);
4. Jumlah dividen per tahun yang dibayar.
The amount of dividends per year paid.
Catatan: apabila tidak ada pembagian dividen, agar diungkapkan
alasannya.
Note: if there was no dividend distribution, the reasons should be disclosed.
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Realisasi penggunaan dana hasil penawaran umum (dalam hal perusahaan masih diwajibkan menyampaikan
laporan realisasi penggunaan dana)
Realization of the use of proceeds from the public offering (in the event that the company was still required to
submit a report on the realization of the use of funds)
Memuat uraian mengenai:
It contained a description of:
1. Total perolehan dana;
Total proceeds;
2. Rencana penggunaan dana;
Plan for the use of funds;
3. Rincian penggunaan dana;
Details of the use of funds;
15
4. Saldo dana; dan
Fund balance; and
5. Tanggal persetujuan RUPS/RUPO atas perubahan penggunaan dana
(jika ada).
The date of approval of the GMS/RUPO for changes in the use of
funds (if any).
Catatan: apabila tidak memiliki informasi realisasi penggunaan dana
hasil penawaran umum, agar diungkapkan.
Note: if the company did not have information on the realization of the use
of proceeds from the public offering, it should be disclosed.
Informasi transaksi material
yang mengandung benturan
kepentingan dan/ atau transaksi
Memuat uraian mengenai:
dengan pihak afiliasi
It contained a description of:
Information on material
transactions containing conflicts
of interest and/or transactions with
affiliated parties
1. Tanggal, nilai, dan objek transaksi;
Transaction date, value, and object;
2. Nama pihak yang melakukan transaksi;
Name of the party conducting the transaction;
3. Sifat hubungan afiliasi (jika ada);
264
The nature of the affiliation relationship (if any);
4. Penjelasan mengenai kewajaran transaksi;
Explanation of the fairness of the transaction;
5. Pemenuhan ketentuan terkait;
Fulfillment of related provisions;
6. Dalam hal terdapat hubungan afiliasi, selain mengungkapkan
informasi sebagaimana dimaksud dalam angka 1) sampai dengan
angka 5), Emiten atau Perusahaan Publik juga mengungkapkan
informasi: N.a
In the event that there was an affiliation relationship, in addition to
disclosing the information as referred to in number 1) to number 5), the
Issuer or Public Company also disclosed information:
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a. Pernyataan Direksi bahwa transaksi afiliasi telah melalui prosedur
yang memadai untuk memastikan bahwa transaksi afiliasi
dilaksanakan sesuai dengan praktik bisnis yang berlaku umum
antara lain dilakukan dengan memenuhi prinsip transaksi yang
wajar (armslength principle); dan
N.a
Statement of the Board of Directors that affiliated transactions
had gone through adequate procedures to ensure that affiliated
transactions were carried out in accordance with generally
accepted business practices, among others, by complying with the
arms-length principle; and
b. 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);
N.a
The role of the Board of Commissioners and the audit committee
in carrying out adequate procedures to ensure that affiliated
transactions were carried out in accordance with generally
accepted business practices, among others, is carried out by
complying with the arms-length principle;
7. 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.
N.a
For affiliated transactions or material transactions which became
business activities carried out in order to generate business income
and are carried out regularly, repeatedly, and/or continuously, an
explanation was added that the affiliated transactions or material
transactions were business activities carried out in order to generate
operating income and run regularly, repeatedly, and/or continuously;
In the event that the affiliated transactions or material transactions
referred to have been disclosed in the annual financial statements,
additional information regarding the disclosure reference in the
annual financial statements was added.
8. 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;
N.a
For disclosure of affiliated transactions and/or conflict of interest
transactions resulting from the implementation of affiliated
transactions and/or conflict of interest transactions that have been
approved by independent shareholders, additional information
regarding the date of the GMS which approved the affiliated
transactions and/or conflict of interest transactions is added;
9. Dalam hal tidak terdapat transaksi afiliasi dan/atau transaksi
benturan kepentingan, maka diungkapkan mengenai hal tersebut.
N.a
In the event that there was no affiliated transaction and/ or conflict of
interest transaction, this matter should be disclosed.
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Uraian mengenai perubahan
peraturan perundang-undangan
terhadap perusahaan pada tahun Uraian memuat antara lain:
buku terakhir The description included:
A description of changes in the laws
and regulations of the company in
the last financial year
1. Nama peraturan perundang-undangan yang mengalami perubahan;
dan
The name of the legislation undergoing changes; and
2. Dampaknya (kuantitatif dan/atau kualitatif) terhadap perusahaan
(jika signifikan) atau pernyataan bahwa dampaknya tidak signifikan.
The impact (quantitative and/or qualitative) on the company (if 129
significant) or a statement that the impact is not significant.
Catatan: apabila tidak terdapat perubahan peraturan perundang-
undangan pada tahun buku terakhir, agar diungkapkan.
Note: if there were no changes to the laws and regulations in the last
financial year, the matters should be disclosed.
Uraian mengenai perubahan
kebijakan akuntansi yang
diterapkan perusahaan pada tahun
Uraian memuat antara lain:
buku terakhir
The description included:
A description of the changes in
accounting policies adopted by the
company in the last financial year
1. Perubahan kebijakan akuntansi;
Changes in accounting policies;
2. Alasan perubahan kebijakan akuntansi; dan
129
Reasons for changes in accounting policies; and
3. Dampaknya secara kuantitatif terhadap laporan keuangan.
Quantitative impact on financial statements.
Catatan: Apabila tidak terdapat perubahan kebijakan akuntansi pada
tahun buku terakhir, agar diungkapkan.
Note: If there was no change in accounting policy in the last financial year,
it should be disclosed.
Tata Kelola Perusahaan
Good Corporate Governance
Informasi mengenai keputusan RUPS pada tahun buku dan 1 (satu) tahun
RUPS sebelum tahun buku meliputi:
GMS Information regarding the resolutions of the GMS in the financial year and
1 (one) year before the financial year included:
a. keputusan RUPS pada tahun buku dan 1 (satu) tahun sebelum tahun
buku yang direalisasikan pada tahun buku; dan
149-176
resolutions of the GMS in the financial year and 1 (one) year before the
financial year are realized in the financial year; and
b. keputusan RUPS pada tahun buku dan 1 (satu) tahun sebelum tahun
buku yang belum direalisasikan beserta alasan belum direalisasikan;
resolutions of the GMS for the financial year and 1 (one) year before
the financial year that have not been realized and the reasons for not
realizing them;
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Criteria Explanation Page
dalam hal Emiten atau Perusahaan Publik menggunakan pihak
independen dalam pelaksanaan RUPS untuk melakukan
in the event that the Issuer or Public Company uses an independent party 149-176
in the conduct of the GMS to calculate the votes, then this matter shall be
disclosed.
Direksi 1. Tugas dan tanggung jawab masing-masing anggota Direksi;
214-215
Directors Duties and responsibilities of each member of the Board of Directors
Informasi mengenai tugas dan tanggung jawab masing- masing anggota
Direksi diuraikan dan dapat disajikan dalam bentuk tabel.
Information regarding the duties and responsibilities of each member of
the Board of Directors is described and can be presented in tabular form.
2. Pernyataan bahwa Direksi memiliki pedoman atau piagam (charter)
Direksi;
213
A statement that the Board of Directors had guidelines or charter for
the Board of Directors;
3. Kebijakan dan pelaksanaan frekuensi rapat Direksi, rapat Direksi
bersama Dewan Komisaris, dan tingkat kehadiran anggota Direksi
dalam rapat tersebut termasuk kehadiran dalam RUPS;
Policy and implementation of the frequency of meetings of the Board 215-218
of Directors, meetings of the Board of Directors with the Board of
Commissioners, and the level of attendance of members of the Board
of Directors in the meeting including attendance at the GMS;
Informasi tingkat kehadiran anggota Direksi dalam rapat Direksi, rapat
Direksi bersama Dewan Komisaris, atau RUPS dapat disajikan dalam
bentuk tabel.
Information on the level of attendance of members of the Board of 215-218
Directors at the meeting of the Board of Directors, the meeting of the
Board of Directors with the Board of Commissioners, or the GMS can be
presented in tabular form.
4. Pelatihan dan/atau peningkatan kompetensi anggota Direksi:
Training and/or competency improvement of members of the Board
of Directors:
a. Kebijakan pelatihan dan/atau peningkatan kompetensi anggota
Direksi, termasuk program orientasi bagi anggota Direksi yang
baru diangkat (jika ada); dan
221
Policy on training and/or improving the competence of members
of the Board of Directors, including an orientation program for
newly appointed members of the Board of Directors (if any); and
b. Pelatihan dan/atau peningkatan kompetensi yang diikuti anggota
Direksi dalam tahun buku (jika ada);
221-222
Training and/or competency improvement attended by members
of the Board of Directors in the financial year (if any);
5. Penilaian Direksi terhadap kinerja komite yang mendukung
pelaksanaan tugas Direksi pada tahun buku paling sedikit memuat:
The Board of Directors’ assessment of the performance of the
committees supporting the implementation of the Board of Directors’
duties for the financial year shall at least contain:
a. prosedur penilaian kinerja; dan
219
performance appraisal procedures; and
b. kriteria yang digunakan seperti capaian kinerja selama tahun
buku, kompetensi dan kehadiran dalam rapat; dan
219
the criteria used were performance achievements during the
financial year, competence and attendance at meetings; and
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dalam hal Emiten atau Perusahaan Publik tidak memiliki komite
yang mendukung pelaksanaan tugas Direksi, maka diungkapkan
mengenai hal tersebut.
in the event that the Issuer or Public Company did not have a
committee that supports the implementation of the duties of the
Board of Directors, then this should be disclosed.
Dewan Komisaris 1. Tugas dan tanggung jawab Dewan Komisaris;
179-180
Board of Commissioners Duties and responsibilities of the Board of Commissioners;
2. Pernyataan bahwa Dewan Komisaris memiliki pedoman atau piagam
(charter) Dewan Komisaris;
178
A statement that the Board of Commissioners had guidelines or
charter for the Board of Commissioners;
3. 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.
Policy and implementation of the frequency of meetings of the Board 181-183
of Commissioners, meetings of the Board of Commissioners with
the Board of Directors and the level of attendance of members of the
Board of Commissioners in these meetings, including attendance at
the GMS.
Informasi tingkat kehadiran anggota Dewan Komisaris dalam rapat
Dewan Komisaris, rapat Dewan Komisaris bersama Direksi, atau RUPS
dapat disajikan dalam bentuk tabel.
Information on the level of attendance of members of the Board of 181-183
Commissioners at the meeting of the Board of Commissioners, the
meeting of the Board of Commissioners with the Board of Directors, or the
GMS can be presented in tabular form.
4. pelatihan dan/atau peningkatan kompetensi anggota Dewan
Komisaris:
training and/or competency improvement of members of the Board of
Commissioners:
a. kebijakan pelatihan dan/atau peningkatan kompetensi anggota
Dewan Komisaris, termasuk program orientasi bagi anggota
Dewan Komisaris yang baru diangkat (jika ada); dan
policies on training and/or improving the competence of members 187
of the Board of Commissioners, including orientation programs for
newly appointed members of the Board of Commissioners (if any);
and
b. pelatihan dan/atau peningkatan kompetensi yang diikuti anggota
Dewan Komisaris dalam tahun buku (jika ada);
187
training and/or competency improvement attended by members
of the Board of Commissioners in the financial year (if any);
5. Penilaian kinerja Direksi dan Dewan Komisaris serta masing-masing
anggota Direksi dan anggota Dewan Komisaris, paling sedikit
memuat:
Performance appraisal of the Board of Directors and the Board of
Commissioners as well as each member of the Board of Directors and
the Board of Commissioners, at least containing:
a. prosedur pelaksanaan penilaian kinerja;
186
performance appraisal implementation procedures;
b. kriteria yang digunakan seperti capaian kinerja selama tahun
buku, kompetensi dan kehadiran dalam rapat; dan
186
the criteria used were performance achievements during the
financial year, competence and attendance at meetings; and
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c. pihak yang melakukan penilaian; dan
186
the party conducting the assessment; and
6. Penilaian Dewan Komisaris terhadap kinerja Komite yang mendukung
pelaksanaan tugas Dewan Komisaris pada tahun buku meliputi:
The assessment of the Board of Commissioners on the performance
of the Committees that support the implementation of the duties of
the Board of Commissioners in the financial year includes:
a. prosedur penilaian kinerja; dan
184
performance appraisal procedures; and
b. kriteria yang digunakan seperti capaian kinerja selama tahun
buku, kompetensi dan kehadiran dalam rapat;
184
the criteria used are performance achievements during the
financial year, competence and attendance at meetings;
Komisaris Independen (jumlahnya
minimal 30% dari total Dewan
Komisaris) Meliputi antara lain:
Independent Commissioner It included:
(minimum 30% of the total Board of
Commissioners)
1. Kriteria penentuan Komisaris Independen; dan
184
Criteria for determining the Independent Commissioner; and
2. Pernyataan tentang independensi masing-masing Komisaris
Independen. 185
Statement on the independence of each Independent Commissioner.
Nominasi dan remunerasi Direksi
dan Dewan Komisaris
Paling sedikit memuat:
Nomination and remuneration
At least it contained:
of the Board of Directors and the
Board of Commissioners
1. Prosedur nominasi, meliputi uraian singkat mengenai kebijakan dan
proses nominasi anggota Direksi dan/atau anggota Dewan Komisaris;
dan
178, 212
The nomination procedure, including a brief description of the
nomination policies and processes for members of the Board of
Directors and/or members of the Board of Commissioners; and
2. Prosedur dan pelaksanaan remunerasi Direksi dan Dewan Komisaris,
antara lain:
Procedures and implementation of remuneration for the Board of
Directors and the Board of Commissioners, including:
a. prosedur penetapan remunerasi Direksi dan Dewan Komisaris;
procedures for determining remuneration for the Board of 190
Directors and the Board of Commissioners;
struktur remunerasi Direksi dan Dewan Komisaris seperti, gaji,
tunjangan, tantiem/bonus dan lainnya; dan
the remuneration structure of the Board of Directors and the Board 191
of Commissioners such as salary, allowances, tantiem/bonus and
others; and
c. besarnya remunerasi masing-masing anggota Direksi dan
anggota Dewan Komisaris;
191
the amount of remuneration for each member of the Board of
Directors and member of the Board of Commissioners;
Pengungkapan informasi dapat disajikan dalam bentuk tabel.
Disclosure of information can be presented in tabular form.
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Komite audit 1. Nama dan jabatannya dalam keanggotaan komite;
Audit committee Name and position in committee membership;
2. Usia;
Age;
3. Kewarganegaraan;
Nationality;
4. Riwayat pendidikan;
Educational history;
5. Riwayat jabatan, meliputi informasi:
Position history, including information on:
83 & 86 ,
a. Dasar hukum penunjukan sebagai anggota komite; 197
Legal basis for appointment as committee member;
b. Rangkap jabatan, baik sebagai anggota dewan komisaris, anggota
direksi, dan/atau anggota komite serta jabatan lainnya (jika ada);
dan
Concurrent positions, either as a member of the board of
commissioners, member of the board of directors, and/or
committee member and other positions (if any); and
c. Pengalaman kerja beserta periode waktunya baik di dalam
maupun di luar emiten atau perusahaan publik;
Work experience and period of time both inside and outside the
issuer or public company;
6. Periode dan masa jabatan anggota komite audit;
197
Period and term of office of audit committee members;
7. Pernyataan independensi komite audit;
198
Statement of independence of the audit committee;
8. Pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam
tahun buku (jika ada);
199
Training and/or competency improvement that have been followed in
the financial year (if any);
9. Kebijakan dan pelaksanaan frekuensi rapat komite audit dan tingkat
kehadiran anggota komite audit dalam rapat tersebut; dan
Policy and implementation of the frequency of audit committee 199
meetings and the level of attendance of audit committee members at
the meeting; and
10. Pelaksanaan kegiatan komite audit pada tahun buku sesuai dengan
yang dicantumkan dalam pedoman atau piagam (charter) komite
audit; 200-201
Implementation of the audit committee’s activities for the financial year
in accordance with the guidelines or charter of the audit committee;
Komite atau fungsi nominasi
dan remunerasi Emiten atau
Perusahaan Publik Paling sedikit memuat:
Committee or function of At least it contained:
nomination and remuneration
Issuers or Public Companies
1. Nama dan jabatannya dalam keanggotaan komite;
Name and position in committee membership;
207-208
2. Usia;
Age;
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3. Kewarganegaraan;
Nationality;
4. Riwayat pendidikan;
Educational history;
5. Riwayat jabatan, meliputi informasi:
Position history, including information on:
a. Dasar hukum penunjukan sebagai anggota komite;
207-208
Legal basis for appointment as committee member;
b. Rangkap jabatan, baik sebagai anggota Dewan Komisaris,
anggota Direksi, dan/atau anggota komite serta jabatan lainnya
(jika ada); dan
Concurrent positions, either as a member of the Board of
Commissioners, member of the Board of Directors, and/or
committee member and other positions (if any); and
c. Pengalaman kerja beserta periode waktunya baik di dalam
maupun di luar Emiten atau Perusahaan Publik;
Work experience and period of time both inside and outside the
Issuer or Public Company;
6. Periode dan masa jabatan anggota komite;
208
The period and term of office of the committee members;
7. Pernyataan independensi komite;
208-209
Committee independence statement;
8. Pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam
tahun buku (jika ada);
212
Training and/or competency improvement that have been followed in
the financial year (if any);
9. Uraian tugas dan tanggung jawab;
209
Description of duties and responsibilities;
10. Pernyataan bahwa telah memiliki pedoman atau piagam (charter);
207
A statement of having a guideline or charter (charter);
11. Kebijakan dan pelaksanaan frekuensi rapat dan tingkat kehadiran
anggota dalam rapat tersebut;
210
Policy and implementation of the frequency of meetings and the level
of attendance of members at the meeting;
12. Uraian singkat pelaksanaan kegiatan pada tahun buku; dan
Brief description of the implementation of activities in the financial 210
year; and
Komite lain yang dimiliki Emiten atau Perusahaan Publik dalam rangka mendukung fungsi dan tugas Direksi
(jika ada) dan/atau komite yang mendukung fungsi dan tugas Dewan Komisaris
Other committees owned by the Issuer or Public Company in order to support the functions and duties of the Board
of Directors (if any) and/or committees that supported the functions and duties of the Board of Commissioners
Paling sedikit memuat:
At least it contained:
83-86
1. Nama dan jabatannya dalam keanggotaan komite;
Name and position in committee membership;
2. Usia;
Age;
3. Kewarganegaraan;
Nationality;
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4. Riwayat pendidikan;
Educational history;
5. Riwayat jabatan, meliputi informasi:
Position history, including information on:
a. Dasar hukum penunjukan sebagai anggota komite;
Legal basis for appointment as committee member; 83-86
b. Rangkap jabatan, baik sebagai anggota dewan komisaris, anggota
direksi, dan/atau anggota komite serta jabatan lainnya (jika ada);
dan
Concurrent positions, either as a member of the board of
commissioners, member of the board of directors, and/or
committee member and other positions (if any); and
c. Pengalaman kerja beserta periode waktunya baik di dalam
maupun di luar emiten atau perusahaan publik; 83-86,
Work experience and period of time both inside and outside the 203
issuer or public company;
6. Periode dan masa jabatan anggota komite;
203
The period and term of office of the committee members;
7. Pernyataan independensi komite;
204
Committee independence statement;
8. Pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam
tahun buku (jika ada); dan
205
Training and/or competency improvement followed in the financial
year (if any); and
9. Uraian tugas dan tanggung jawab;
204-205
Description of duties and responsibilities;
10. Pernyataan bahwa telah memiliki pedoman atau piagam (charter)
komite; 202
A statement that the committee has had guidelines or charters;
11. Kebijakan dan pelaksanaan frekuensi rapat komite dan tingkat
kehadiran anggota komite dalam rapat tersebut; dan
Policy and implementation of the frequency of committee meetings 205
and the level of attendance of committee members at the meeting;
and
12. Uraian singkat pelaksanaan kegiatan komite pada tahun buku;
205-206
Brief description of the committee’s activities for the financial year;
Sekretaris perusahaan 1. Nama;
Company secretary Name;
2. Domisili;
Domicile;
3. Riwayat jabatan, meliputi:
Position history, including:
a. Dasar hukum penunjukan sebagai sekretaris perusahaan; dan 231-232
Legal basis for appointment as company secretary; and
b. Pengalaman kerja beserta periode waktunya baik di dalam
maupun di luar emiten atau perusahaan publik;
Work experience and period of time both inside and outside the
issuer or public company;
c. Riwayat pendidikan;
Educational history;
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d. Pelatihan dan/atau peningkatan kompetensi yang diikuti dalam
tahun buku; dan
232
Training and/or competency improvement that was followed in the
financial year; and
e. Uraian singkat pelaksanaan tugas sekretaris perusahaan pada
tahun buku;
232-234
A brief description of the implementation of the duties of the
corporate secretary for the financial year;
Unit Audit Internal 1. Nama kepala unit audit internal;
Internal Audit Unit Name of the head of the internal audit unit;
2. Riwayat jabatan, meliputi:
Position history, including:
a. Dasar hukum penunjukan sebagai kepala unit audit internal; dan 238
Legal basis for appointment as head of internal audit unit; and
b. Pengalaman kerja beserta periode waktunya baik di dalam
maupun di luar emiten atau perusahaan publik;
Work experience and period of time both inside and outside the
issuer or public company;
3. Kualifikasi atau sertifikasi sebagai profesi audit internal (jika ada);
238
Qualification or certification as an internal audit profession (if any);
4. Pelatihan dan/atau peningkatan kompetensi yang diikuti dalam tahun
buku;
238
Training and/or competency improvement that was followed in the
financial year;
5. Struktur dan kedudukan unit audit internal;
N.a
The structure and position of the internal audit unit;
6. Uraian tugas dan tanggung jawab;
238-239
Description of duties and responsibilities;
7. Pernyataan bahwa telah memiliki pedoman atau piagam (charter)
unit audit internal; dan 237
A statement that the internal audit unit had a guideline or charter; and
8. 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 brief description of the implementation of the internal audit unit’s N.a
duties for the financial year including the policy and implementation
of the frequency of meetings with the board of directors, board of
commissioners, and/ or audit committee;
1. Nama dan tahun akuntan publik yang melakukan audit laporan
Akuntan Publik keuangan tahunan selama 5 tahun terakhir;
Public Accountant Name and year of the public accountant who audited the annual
financial statements for the last 5 years;
2. Nama dan tahun Kantor Akuntan Publik yang melakukan audit
laporan keuangan tahunan selama 5 tahun terakhir;
242-243
Name and year of the Public Accounting Firm that audited the annual
financial statements for the last 5 years;
3. Besarnya fee untuk masing-masing jenis jasa yang diberikan oleh
Kantor Akuntan Publik pada tahun buku terakhir; dan
The amount of the fee for each type of service provided by the Public
Accounting Firm in the last financial year; and
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4. Jasa lain yang diberikan Kantor Akuntan Publik dan akuntan publik
selain jasa audit laporan keuangan tahunan pada tahun buku terakhir.
Other services provided by Public Accounting Firms and public 242-243
accountants other than auditing services for annual financial
statements in the last financial year.
Catatan: apabila tidak ada jasa lain dimaksud, agar diungkapkan.
243
Note: if there was no other service, it should be disclosed.
Uraian mengenai sistem 1. Pengendalian keuangan dan operasional, serta kepatuhan terhadap
pengendalian internal (internal peraturan perundang-undangan lainnya;
Control) yang diterapkan oleh Financial and operational control, as well as compliance with other
emiten atau perusahaan Publik, laws and regulations;
A description of the internal control
system implemented by the issuer
or public company,
238-241
2. Tinjauan atas efektivitas sistem pengendalian internal; an
Review of the effectiveness of the internal control system; and
3. Pernyataan Direksi dan/atau Dewan Komisaris atas kecukupan
sistem pengendalian internal;
Statement of the Board of Directors and/or Board of Commissioners
on the adequacy of the internal control system;
Sistem manajemen risiko yang 1. Gambaran umum mengenai sistem manajemen risiko Emiten atau
diterapkan oleh Emiten Atau Perusahaan Publik;
Perusahaan Publik General description of the risk management system of the Issuer or
270 -275
The risk management system Public Company;
implemented by the Issuer or Public
Company
2. Jenis risiko dan cara pengelolaannya;
276 -298
Types of risks and how to manage them;
3. Tinjauan atas efektivitas sistem manajemen risiko Emiten atau
Perusahaan Publik; dan
271
Overview of the effectiveness of the risk management system Issuer
or Public Company; and
4. Pernyataan Direksi dan/atau Dewan Komisaris atau komite audit atas
kecukupan sistem manajemen risiko;
Statement of the Board of Directors and/or the Board of 272-274
Commissioners or the audit committee on the adequacy of the risk
management system;
Perkara hukum yang berdampak
material yang dihadapi Oleh emiten
atau perusahaan publik, entitas
anak, Anggota direksi dan anggota
dewan komisaris (jika ada),
1. Pokok perkara/gugatan;
Legal cases that have a material 244-251
Principal case/lawsuit;
impact faced by the issuer or public
company, subsidiaries, members of
the board of directors and members
of the board of commissioners (if
any),
2. Status penyelesaian perkara/gugatan; dan
244-251
Status of settlement of cases/claims; and
3. Pengaruhnya terhadap kondisi emiten atau perusahaan publik;
244-251
The effect on the condition of the issuer or public company;
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 401
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TANGGUNG JAWAB SOSIAL
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Daftar Indeks SEOJK16/2021
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Kriteria Penjelasan Halaman
Criteria Explanation Page
Informasi tentang sanksi administratif/ sanksi yang Dikenakan kepada emiten atau perusahaan publik, Anggota
dewan
komisaris dan anggota direksi, oleh Otoritas jasa keuangan dan otoritas lainnya pada tahun Buku (jika ada)
252-253
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)
Akses informasi dan data perusahaan: Uraian mengenai tersedianya akses informasi dan data perusahaan
kepada publik, misalnya melalui website (dalam bahasa Indonesia dan bahasa Inggris), media massa, mailing
list, buletin, pertemuan dengan analis, dan sebagainya.
Access to company information and data: A description of the availability of access to company information N.a
and data to the public, for example through the website (in Indonesian and English), mass media, mailing lists,
bulletins, meetings with analysts, and
so on.
Informasi mengenai kode etik 1. Pokok-pokok kode etik;
Emiten atau Perusahaan Publik The points of the code of ethics;
Information regarding the code 254
of conduct of the Issuer or Public
Company
2. Pengungkapan bahwa kode etik berlaku bagi seluruh level organisasi;
Disclosure that the code of ethics applied to all levels of the 254
organization;
3. Penyebarluasan kode etik;
254
Dissemination of the code of ethics;
4. Sanksi untuk masing-masing jenis pelanggaran yang diatur dalam
kode etik (normatif); dan
254
Sanctions for each type of violation stipulated in the code of ethics
(normative); and
5. Jumlah pelanggaran kode etik beserta sanksi yang diberikan pada
tahun buku terakhir.
254
The number of violations of the code of ethics along with the sanctions
given in the last financial year.
Catatan: apabila tidak terdapat pelanggaran kode etik pada tahun buku
terakhir, agar diungkapkan.
Note: if there is no violation of the code of ethics in the last financial year,
it must be disclosed
Uraian singkat mengenai kebijakan pemberian Kompensasi jangka panjang berbasis kinerja kepada manajemen
dan/ atau karyawan yang dimiliki oleh emiten Atau perusahaan publik (jika ada), antara lain berupa Program
kepemilikan saham oleh manajemen (management stock ownership program/msop) dan/atau Program
kepemilikan saham oleh karyawan (employee Stock ownership program/esop);
Dalam hal pemberian kompensasi berupa program Kepemilikan saham oleh manajemen (management stock
Ownership program/MSOP) dan/atau program Kepemilikan saham oleh karyawan (employee stock Ownership
N.a
program/ESOP)
A brief description of the policy of providing long-term performance-based compensation to management
and/or employees owned by the issuer or public company (if any), including the management stock ownership
program (MSOP) and/or stock ownership program by employees (employee Stock ownership program/ESOP);
In the case of providing compensation in the form of a management stock ownership program (MSOP) and/or
an employee stock ownership program (ESOP)
Informasi yang diungkapkan Paling sedikit memuat:
Information disclosed should at least contain:
1. Jumlah saham dan/atau opsi;
Number of shares and/or options;
2. Jangka waktu pelaksanaan;
Implementation period;
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Criteria Explanation Page
3. Persyaratan karyawan dan/atau manajemen yang berhak; dan
Requirements for eligible employees and/or management; and
4. Harga pelaksanaan atau penentuan harga pelaksanaan.
Execution price or determination of exercise price.
1. Kepemilikan saham anggota direksi dan anggota Dewan komisaris
paling lambat 3 (tiga) hari kerja Setelah terjadinya kepemilikan atau
Uraian singkat mengenai kebijakan
setiap Perubahan kepemilikan atas saham perusahaan Terbuka; dan
pengungkapan Informasi
Share ownership of members of the board of directors and members
Brief description of Information
of the board of commissioners no later than 3 (three) working days 258
disclosure policy
after the occurrence of ownership or any change in ownership of
shares of a public company; and
2. Pelaksanaan atas kebijakan dimaksud;
Implementation of the policy;
Uraian mengenai sistem pelaporan
pelanggaran (whistleblowing
system) di Emiten atau Perusahaan
1. Cara penyampaian laporan pelanggaran;
Publik 256
How to submit a violation report;
Description of the whistleblowing
system at the Issuer or Public
Company
2. Perlindungan bagi pelapor;
256
Protection for whistleblowers;
3. Penanganan pengaduan;
256
Handling of complaints;
4. Pihak yang mengelola pengaduan; dan
256
The party managing the complaint; and
5. Hasil dari penanganan pengaduan, paling sedikit:
256
The results of the handling of complaints, at least:
a. Jumlah pengaduan yang masuk dan diproses Dalam tahun buku; dan
Number of complaints received and processed in the financial year; 256
and
b. Tindak lanjut pengaduan;
256
Follow-up on complaints;
Dalam hal emiten atau perusahaan publik tidak memiliki Sistem
pelaporan pelanggaran (whistleblowing system), Maka diungkapkan
mengenai hal tersebut.
In the event that the issuer or public company did not have a whistleblowing
system, then this should be disclosed.
1. Program dan prosedur yang dilakukan dalam Mengatasi praktik
Uraian mengenai kebijakan anti
korupsi, balas jasa (kickbacks), Fraud, suap dan/ atau gratifikasi
korupsi Emiten atau Perusahaan
dalam Emiten atau Perusahaan Publik; dan
Publik
Programs and procedures implemented in overcoming the practice
Description of the Issuer’s or Public
of corruption, kickbacks, fraud, bribery and/ or gratuities in Issuers or
Company’s anti-corruption policy
Public Companies; and
2. Pelatihan/sosialisasi anti korupsi kepada karyawan Emiten atau
Perusahaan Publik; 257-258
Anti-corruption training/socialization for employees of Issuers or
Public Companies;
Dalam hal Emiten atau Perusahaan Publik tidak memiliki Kebijakan anti
korupsi, maka dijelaskan alasan tidak Dimilikinya kebijakan dimaksud.
In the event that the Issuer or Public Company did not have an anti-
corruption policy, the reasons for not having the said policy should be
explained.
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Sosial Responsibility
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Kriteria Penjelasan Halaman
Criteria Explanation Page
Kebijakan mengenai keberagaman komposisi Dewan Komisaris dan Direksi. Uraian kebijakan tertulis
Perusahaan mengenai keberagaman komposisi Dewan Komisaris dan Direksi dalam pendidikan (bidang studi),
pengalaman kerja, usia, dan jenis kelamin.
Catatan: apabila tidak ada kebijakan dimaksud, agar diungkapkan alasan dan pertimbangannya. 186-187,
Policy regarding the diversity of the composition of the Board of Commissioners and the Board of Directors. 220
Description of the Company’s written policies regarding the diversity of the composition of the Board of
Commissioners and Directors in education (field of study), work experience, age, and gender.
Note: if there was no such policy, the reasons and considerations should be disclosed.
Penerapan atas pedoman tata
kelola Perusahaan Terbuka bagi
Emiten yang menerbitkan efek
bersifat ekuitas atau Perusahaan 1. Pernyataan mengenai rekomendasi yang telah dilaksanakan; dan/
Publik atau
Implementation of Public Company Statement of recommendations that had been implemented; and/or
governance guidelines for Issuers
issuing equity securities or Public
267-269
Companies
2. Penjelasan atas rekomendasi yang belum dilaksanakan, disertai
alasan dan alternative pelaksanaannya (jika ada).
Explanation of recommendations that had not been implemented,
along with reasons and alternative implementations (if any).
Pengungkapan informasi dapat disajikan dalam bentuk tabel.
Disclosure of information can be presented in tabular form.
Penilaian Penerapan GCG untuk
tahun buku 2023 yang meliputi
paling kurang aspek Dewan
Komisaris dan Direksi
Memuat uraian mengenai:
GCG Implementation Assessment
It contained a description of:
for the financial year 2023 which
included at least aspects of the
Board of Commissioners and the
Board of Directors
1. Kriteria yang digunakan dalam penilaian
148
Criteria used in the assessment
2. Pihak yang melakukan penilaian
148
The party conducting the assessment
3. Skor penilaian masing-masing kriteria
148
The assessment score of each criterion
4. Rekomendasi hasil penilaian
148
Recommended assessment results
5. Alasan belum/tidak diterapkannya rekomendasi.
n.a
Reasons for not yet/not implemented recommendations.
1 Informasi yang diungkapkan dalam bagian tanggung jawab sosial dan
lingkungan merupakan Laporan Keberlanjutan (Sustainability Report)
sebagaimana dimaksud dalam Peraturan Otoritas Jasa Keuangan
Tanggung Jawab Sosial dan
Nomor 51/POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan
Lingkungan Emiten atau
bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik, paling
Perusahaan Publik
sedikit memuat: √
Social and Environmental
The information disclosed in the social and environmental
Responsibility of Issuers or Public
responsibility section is a Sustainability Report as referred to in the
Companies
Financial Services Authority Regulation Number 51/POJK.03/2017
concerning the Application of Sustainable Finance for Financial
Service Institutions, Issuers, and Public Companies, at least containing:
a. penjelasan strategi keberlanjutan;
√
explanation of sustainability strategies;
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b. ikhtisar aspek keberlanjutan (ekonomi, sosial, dan lingkungan
hidup);
√
overview of sustainability aspects (economic, social, and
environmental);
c. profil singkat Emiten atau Perusahaan Publik;
√
brief profile of the Issuer or Public Company;
d. penjelasan Direksi;
√
explanation of the Board of Directors;
e. tata kelola keberlanjutan;
√
sustainability governance;
f. kinerja keberlanjutan;
√
sustainability performance;
g. verifikasi tertulis dari pihak independen, jika ada;
√
written verification from an independent party, if any;
h. lembar umpan balik (feedback) untuk pembaca, jika ada; dan
√
feedback sheet for readers, if any; and
i. anggapan Emiten atau Perusahaan Publik terhadap umpan balik
laporan tahun sebelumnya;
√
the Issuer’s or Public Company’s presumption of 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;
√
Sustainability Report as referred to in number 1), must be prepared
in accordance with the Technical Guidelines for the Preparation of
Sustainability Report for Issuers and Public Companies as stated in
Appendix II which is an integral part of this Financial Services Authority
Circular;
3. Informasi Laporan Keberlanjutan (Sustainability Report) pada angka
1) dapat: √
Sustainability Report information in number 1) can:
a. diungkapkan pada bagian lain yang relevan di luar bagian
tanggung jawab sosial dan lingkungan, seperti penjelasan Direksi
terkait Laporan Keberlanjutan diungkapkan dalam bagian terkait
Laporan Direksi; dan/atau
be disclosed in other relevant parts outside the social and √
environmental responsibility section, such as the Board of
Directors’ explanation regarding the Sustainability Report
disclosed in the relevant section of the Board of Directors’ Report;
and/or
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; √
refer to other parts outside the social and environmental
responsibility section while still referring to the Technical Guidelines
for the Preparation of Sustainability Reports for Issuers and Public
Companies as stated in Appendix II which is an integral part of this
Financial Services Authority Circular, such as profiles of Issuers or
Public Companies;
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 405
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
Daftar Indeks SEOJK16/2021
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Kriteria Penjelasan Halaman
Criteria Explanation Page
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;
The 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;
Laporan keuangan tahunan yang dimuat dalam Laporan Tahunan
disusun sesuai dengan Standar Akuntansi Keuangan di Indonesia
dan telah diaudit oleh Akuntan. Laporan keuangan dimaksud memuat
pernyataan mengenai pertanggungjawaban atas laporan keuangan
sebagaimana diatur dalam peraturan perundang- undangan di sektor
Pasar Modal yang mengatur mengenai tanggung jawab Direksi atas
laporan keuangan atau peraturan perundang-undangan di sektor Pasar
Laporan Keuangan Tahunan yang
Modal yang mengatur mengenai laporan berkala Perusahaan Efek dalam
Telah Diaudit
hal Emiten merupakan Perusahaan Efek. √
Audited Annual Financial
The annual financial statements contained in the Annual Report are
Statements
prepared in accordance with Financial Accounting Standards in Indonesia
and have been audited by accountants. The financial statements contain
statements regarding accountability for financial statements as stipulated
in laws and regulations in the Capital Market sector which regulate the
responsibility of the Board of Directors for financial statements or laws and
regulations in the Capital Market sector that regulate periodic reports of
Securities Companies in the event that the Issuer is a Securities Company.
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DAFTAR INDEKS POJK 51/2017
POJK 51/2017 Index
No. Indeks Nama Indeks Halaman
Index No. Index Name Page
STRATEGI KEBERLANJUTAN | SUSTAINABILITY STRATEGY
Penjelasan Strategi Keberlanjutan
A.1 304
Explanation Sustainability Strategy
IKHTISAR KINERJA KEBERLANJUTAN | SUSTAINABILITY PERFORMANCE HIGHLIGHTS
Ikhtisar Kinerja Ekonomi
B.1 300
Economic Performance Highlights
Ikhtisar Kinerja Lingkungan Hidup
B.2 301
Environmental Performance Highlihts
Ikhtisar Kinerja Sosial
B.3 302
Social Performance Highlights
PROFIL PERUSAHAAN | COMPANY PROFILE
Visi, Misi, dan Nilai Keberlanjutan
C.1 309
Vision, Mission, and Value of Sustainability
Alamat Perusahaan
C.2 44
Company’s Address
Skala Perusahaan
C.3 10, 90
Scale Enterprises
Produk, Layanan, dan Kegiatan Usaha yang Dijalankan
C.4 54
Products, services and business activities
Keanggotaan Pada Asosiasi
C.5 45
Member of Association
Perubahan Organisasi Bersifat Signifikan
C.6 N.A
Change of Significant Organization
LAPORAN DIREKSI | DIRECTORS STTATEMENT
Laporan Direksi
D.1 26-31
Directors Statement
TATA KELOLA KEBERLANJUTAN | SUSTAINABILITY GOVERNANCE
Penanggungjawab Penerapan Keuangan berkelanjutan
E.1 318
Management of Sustainable Finance Implementation
Pengembangan Kompetensi Terkait Keuangan berkelanjutan
E.2 319
Competency Development related Sustainable Finance
Penilaian Risiko Atas Penerapan Keuangan berkelanjutan
E.3 319
Risk Assessment for Sustainable Finance Implementation
Hubungan Dengan Pemangku Kepentingan
E.4 322 -324
Stakeholder Engagement
Permasalahan Terhadap Penerapan Keuangan berkelanjutan
E.5 315
Challenges of Sustainable Financial Implementation
KINERJA KEBERLANJUTAN | SUSTAINABILITY PERFORMANCE
Kegiatan Membangun Budaya Keberlanjutan
F.1 307, 336
Building A Culture of Sustainability
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 407
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
DAFTAR INDEKS POJK 51/2017
POJK 51/2017 Index
No. Indeks Nama Indeks Halaman
Index No. Index Name Page
KINERJA EKONOMI | ECONOMIC PERFORMANCE
Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Investasi,
Pendapatan dan Laba Rugi
F.2 328
Comparison of performance targets and production, portfolios, financial targets, or
investment, revenue and profit and loss
Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi Pada
Instrumen Keuangan atau Proyek yang Sejalan.
F.3 Comparison of performance targets and production, portfolios, financial targets, 328
or investment on Financial Instruments or projects in line with Sustainable Finance
Implementation.
KINERJA LINGKUNGAN | ENVIRONMENTAL PERFORMANCE
Umum
General
Biaya Lingkungan Hidup
F.4 341
Environmental Costs
Aspek Material
Material Aspects
Penggunaan Material yang Ramah Lingkungan
F.5 N/A
The Use of Environmentally Friendly Materials
Aspek Energi
Energy Aspects
Jumlah dan Intensitas Energi yang Digunakan
F.6 338
The number and the intensity of energy use
Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan
F.7 The efforts and achievements made energy efficiency including the use of renewable energy 338
sources
Aspek Air
Water Aspects
Penggunaan Air
F.8 340
Water Consumption
Aspek Keanekaragaman Hayati
Biodiversity Aspects
Dampak Dari Wilayah Operasional yang Dekat atau Berada Di Daerah Konservasi atau
F.9 Memiliki Keanekaragaman Hayati N/A
The impact of operational areas near or in the area of conservation or biodiversity
Usaha Konservasi Keanekaragaman Hayati
F.10 N/A
Biodiversity conservation efforts
Aspek Emisi
Emission Aspects
Jumlah dan Intensitas Emisi yang Dihasilkan Berdasarkan Jenisnya
F.11 340
The number and intensity of emissions produced by type
Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan
F.12 340
The efforts and achievement of emission reductions undertaken
Aspek Limbah dan Efluen
Aspect of Waste and Effluents
Jumlah Limbah dan Efluen yang Dihasilkan Berdasarkan Jenis
F.13 N/A
The amount of waste and effluent generated by type
Mekanisme Pengelolaan Limbah dan Efluen
F.14 N/A
Waste and Effluent Management Mechanism
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No. Indeks Nama Indeks Halaman
Index No. Index Name Page
Tumpahan yang Terjadi (Jika Ada)
F.15 N/A
Spill that occurred (if any)
Aspek Pengaduan Terkait Lingkungan Hidup
Aspect of environmental complaints
Jumlah dan Materi Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan
F.16 N/A
The number and material environmental complaints received and resolved.
KINERJA SOSIAL | SOCIAL PERFORMANCE
Komitmen LJK, Emiten, atau Perusahaan Publik Untuk Memberikan Layanan Atas Produk
F.17 dan/ atau Jasa yang Setara Kepada Konsumen 360
The Company’s commitment to deliver products and/or services equivalent to the consumer
Aspek Ketenagakerjaan
Employment Aspects
Kesetaraan Kesempatan Bekerja
F.18 347
Equality of employment opportunities
Tenaga Kerja Anak dan Tenaga Kerja Paksa
F.19 N/A
Child Labor and Forced Labor
F.20 Upah Minimum Regional | The Minimum Wage 354
Lingkungan Bekerja yang Layak dan Aman
F.21 349
Environmental work decent and safe
Pelatihan dan Pengembangan Kemampuan Pegawai
F.22 352
Training and Competency Development for Employees
Aspek Masyarakat
Community Aspects
Dampak Operasi Terhadap Masyarakat Sekitar
F.23 344
Operational Impacts to Local Communities
F.24 Pengaduan Masyarakat | Public complaints 362
Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL)
F.25 344
Environmental Social Responsibility Activity
Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan:
Responsibility on the development of Sustainable Finance products and/or services:
Inovasi dan Pengembangan Produk/Jasa Keuangan berkelanjutan
F.26 361
Innovation and development of Sustainable Finance products and/or services
Produk/Jasa yang Sudah Dievaluasi Keamanannya Bagi Pelanggan
F.27 361
Customer Safety
F.28 Dampak Produk/Jasa | Impact of Products/Services 361
Jumlah Produk yang Ditarik Kembali
F.29 N/A
The number of products recalled
Survei Kepuasan Pelanggan Terhadap Produk dan/atau Jasa Keuangan Berkelanjutan
F.30 364
Survey of customer satisfaction
LAIN-LAIN | OTHERS
Verifikasi Tertulis Dari Pihak Independen, Jika Ada
G.1 368
Written verification from independent parties (if any)
G.2 Lembar Umpan Balik | Feedback Sheet
Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan Tahun Sebelumnya
G.3
Response to Previous Year’s Report Feedback
Daftar Pengungkapan Sesuai POJK 51/2017
G.5
POJK 51/2017 Index
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 409
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TANGGUNG JAWAB SOSIAL
Sosial Responsibility
INDEKS GRI STANDARD - 2021
GRI Standard Index - 2021
Pernyataan Penggunaan
: PT Nobu Bank menyusun Laporan Keberlanjutan tahun 2023 dengan menggunakan Standard
GRI – In Accordance untuk periode 1 Januari 2023-31 Desember 2023
PT Nobu Bank prepared its 2023 Sustainability Report using the GRI – In Accordance Standards
for the period of 1 January 2023 - 31 December 2023.
GRI 1 Used : GRI 1 Foundation 2021
GRI Sektor standard : General
LOKASI
GRI STANDARD DISCLOSURE
LOCATION
DISCLOSURE UMUM | GENERAL DISCLOSURE
GRI 2: Organisasi dan Praktik Pelaporan
Pengungkapan Organization and Reporting Practices
Umum - 2021
2-1 Informasi mengenai organisasi
General Disclosures 44
Organizational details
2021
2-2 Entitas organisasi yang termasuk dalam laporan keberlanjutan
368
Entities included in the organization’s sustainability reporting
2-3 Periode pelaporan, frekuensi, dan titik kontak
371
Reporting period, frequency and contact point
2-4 Penyajian kembali informasi
367
Restatements of information
2-5 Assurance oleh Pihak Eksternal
367
External assurance
Aktivitas dan Karyawan
Activities and Employees
2-6 Aktivitas, rantai nilai, dan hubungan bisnis lainnya
329
Activities, value chain and other business relationships
2-7 Karyawan
90, 348
Employees
2-8 Pekerja yang bukan merupakan karyawan
90
Workers who are not employees
Tata Kelola Keberlanjutan
Sustainable Governance
2-9 Struktur dan komposisi tata kelola
145
Governance structure and composition
2-10 Nominasi dan seleksi badan tata kelola tertinggi
177, 209, 218
Nomination and selection of the highest governance body
2-11 Ketua badan tata kelola tertinggi
177, 209
Chair of the highest governance body
2-12 Peran badan tata kelola tertinggi dalam mengawasi pengelolaan
dampak
41, 179, 213
Role of the highest governance body in overseeing the management of
impacts
2-13 Pendelegasian wewenang untuk tanggung jawab mengelola dampak
179, 213
Delegation of responsibility for managing impacts
2-14 Peran badan tata kelola tertinggi dalam pelaporan keberlanjutan
41, 177, 213
Role of the highest governance body in sustainability reporting
410 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 413
Indeks GRI STANDARD - 2021
GRI Standard Index - 2021
LOKASI
GRI STANDARD DISCLOSURE
LOCATION
2-15 Konflik kepentingan
321
Conflicts of interest
2-16 Mengomunikasikan hal-hal kritis
322
Communication of critical concerns
2-17 Pengetahuan kolektif badan tata kelola tertinggi
186, 220
Collective knowledge of the highest governance body
2-18 Mengevaluasi kinerja badan tata kelola tertinggi
188
Evaluation of the performance of the highest governance body
Kebijakan remunerasi
2-19 190
Remuneration policies
2-20 Proses untuk menentukan remunerasi
190
Process to determine remuneration
2-21 Rasio kompensasi total tahunan
191
Annual total compensation ratio
Strategi Kebijakan dan Pelaksanaan
Policy Strategies and Implementations
2-22 Pernyataan mengenai strategi pembangunan berkelanjutan
307
Statement on sustainable development strategy
2-23 Komitmen kebijakan
305
Policy commitments
2-24 Menanamkan komitmen kebijakan dalam organisasi
319
Embedding policy commitments
2-25 Proses remediasi dampak negatif
307
Processes to remediate negative impacts
2-26 Mekanisme untuk saran dan masalah etika
322
Mechanisms for seeking advice and raising concerns
2-27 Kepatuhan hukum dan peraturan
142
Compliance with laws and regulations
Keanggotaan Asosiasi
2-28 45
Membership associations
Keterlibatan Pemangku Kepentingan
Stakeholders Engagement
2-29 Pendekatan Pelibatan Pemangku Kepentingan
323-324
Approach to stakeholder engagement
2-30 Kesepakatan perundingan kolektif
349
Collective bargaining agreements
TOPIK MATERIAL | MATERIAL TOPICS
GRI 3: Proses Penentuan Topik Material
3-1 367
Topik Material - 2021 Process to determine material topics
Material Topics 2021
Daftar Topik Material
3-2 370
List of material topics
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 411
Page 414
TANGGUNG JAWAB SOSIAL
Sosial Responsibility
Indeks GRI STANDARD - 2021
GRI Standard Index - 2021
LOKASI
GRI STANDARD DISCLOSURE
LOCATION
DISCLOSURE TOPIK SPESIFIK | DISCLOSURE OF SPECIFIC TOPICS
DAMPAK EKONOMI | ECONOMIC IMPACTS
201 Kinerja Ekonomi | Economic Performance
GRI 3:
Pendekatan
Manajemen Topik Material
Manajemen 2021 3-3 326
GRI 3: Management Approach 2021
Management
Approach 2021
GRI 201:
Kinerja Ekonomi 2016 Nilai ekonomi langsung yang dihasilkan dan didistribusikan
201-1 330
Economic Direct economic value generated and distributed
Performance 2016
202 Keberadaan Pasar | Market Presence
GRI 3:
Pendekatan
Manajemen Topik Material
Manajemen 2021 3-3 345
Management of material topics
Management
Approach 2021
GRI 202: Rasio standar upah karyawan entry-level berdasarkan jenis kelamin
Keberadaan Pasar terhadap upah minimum regional
202-1 355
2016 Ratios of standard entry level wage by gender compared to local
Market Presence 2016 minimum wage
Kewajiban program pensiun manfaat pasti dan program pensiun
201-3 lainnya 355
defined benefit plan obligatons and other retirement plans
203 Dampak Ekonomi Tidak Langsung
GRI 3:
Pendekatan
Manajemen Topik Material
Manajemen 2021 3-3 326
Management of material topics
Management
Approach 2021
GRI 203:
Dampak Ekonomi
Tidak Langsung Investasi Infrastruktur dan Layanan Jasa
203-1 331
2016 Investment in Infrastructure and Services.
Indirect Economic
Impact 2016
204 Praktik Pengadaan | Procurement Practices
GRI 3:
Pendekatan
Manajemen Topik Material
Manajemen 2021 3-3 326
Management of material topics
Management
Approach 2021
GRI 204: Praktik
Pengadaan 2016 Proporsi pengeluaran untuk pemasok lokal
204-1 332
Procurement Proportion of spending on local suppliers
Practices
412 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 415
Indeks GRI STANDARD - 2021
GRI Standard Index - 2021
LOKASI
GRI STANDARD DISCLOSURE
LOCATION
205 Anti Korupsi | anti-corruption
GRI 3:
Pendekatan
Manajemen Topik Material
Manajemen 2021 3-3 255
Management of material topics
Management
Approach 2021
Komunikasi dan pelatihan tentang kebijakan dan prosedur anti-korupsi
GRI 205: 205-2 Communication and training about anti-corruption policies and 255
Anti-Korupsi - 2016 procedures
Anti-corruption 2016 Insiden korupsi yang terbukti dan tindakan yang diambil
205-3 256
Confirmed incidents of corruption and actions taken
DAMPAK LINGKUNGAN | ENVIRONMENTAL IMPACTS
302 Energi | Energy
GRI 3:
Pendekatan
Manajemen Topik Material
Manajemen 2021 3-3 333
Management of material topics
GRI 3: Management
Approach 2021
Konsumsi energi dalam organisasi
GRI 302: Energi 302-1 338
Energy consumption within the organization
2016
GRI 302: Energy 2016 Pengurangan konsumsi energi
302-4 338
Reduction of energy consumption
305 Emisi
GRI 3: Pendekatan
Manajemen 2021 Manajemen Topik Material
3-3 333
Management Management of material topics
Approach 2021
Emisi gas rumah kaca (CO2) (Cakupan 1) Langsung
305-1 340
Direct (Scope 1) GHG emissions
Emisi energi GRK (Cakupan 2) tidak langsung
305-2 340
GRI 305: Emisi 2016 Energy indirect (Scope 2) GHG Emissions
Emissions 2016 Intensitas emisi GRK
305-4 340
GHG Emissions intensity
Pengurangan emisi GRK
305-5 340
Reduction of GHG emissions
307 Kepatuhan Lingkungan | Environmental Compliance
GRI 3:
Pendekatan
Manajemen Topik Material
Manajemen 2021 3-3 333
Management of material topics
Management
Approach 2021
GRI 307: Kepatuhan
Ketidakpatuhan terhadap undang-undang dan peraturan tentang
Lingkungan 2016
307-1 lingkungan hidup 337
Environmental
Non-compliance with environmental laws and regulations.
Compliance 2016
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 413
Page 416
TANGGUNG JAWAB SOSIAL
Sosial Responsibility
Indeks GRI STANDARD - 2021
GRI Standard Index - 2021
LOKASI
GRI STANDARD DISCLOSURE
LOCATION
DAMPAK SOSIAL
401 Kepegawaian | Employment
GRI 3: Pendekatan
Manajemen 2021 Manajemen Topik Material
3-3 346
Management Management of material topics
Approach 2021
401-1 Perekrutan karyawan baru dan pergantian (turn-over) karyawan
350
New employee hires and employee turnover
GRI 401:
Kepegawaian 2016 Tunjangan yang diberikan kepada Karyawan Purna Waktu yang tidak
Employment 2016 diberikan kepada Karyawan Sementara atau Paruh Waktu
401-2 354
Benfits provided to full-time employees that are not provided to
temporary or part-time employees
403 Kesehatan dan Keselamatan Kerja | Occupational Health and Safety
GRI 3: Pendekatan
Manajemen 2021 Manajemen Topik Material
3-3 346
Management Management of material topics
Approach 2021
GRI 403: 403-1 Sistem manajemen keselamatan dan kesehatan kerja
358
Kesehatan dan Occupational health and safety management system
Keselamata Kerja Pekerja yang tercakup dalam sistem manajemen keselamatan dan
2018 kesehatan kerja
Occupational Health 403-8 358
Workers covered by an occupational health and safety management
and Safety 2018 system
404 Pelatihan dan Pendidikan | Training and Education
GRI 3:
Pendekatan
Manajemen Topik Material
Manajemen 2021 3-3 346
Management of material topics
Management
Approach 2021
Rata-rata jam pelatihan per tahun per karyawan
404-1 352
Average hours of training per year per employee
GRI 404: Program untuk meningkatkan keterampilan karyawan dan program
Pelatihan dan 404-2 bantuan peralihan 352
Pendidikan - 2016 Programs for upgrading employee skills and transition assistance
Training and
Persentase karyawan yang menerima tinjauan rutin terhadap kinerja
Education 2016
dan pengembangan karier
404-3 354
Percentage of employees receiving regular performance and career
development reviews
405 Keanekaragaman dan Kesempatan Setara | Diversity and Equal Opportunity
GRI 3:
Pendekatan
Manajemen Topik Material
Manajemen 2021 3-3 346
Management of material topics
Management
Approach 2021
GRI 405:
Keanekaragaman
dan Kesempatan Keanekaragaman badan tata kelola dan karyawan
405-1 347
Setara 2016 Diversity of governance bodies and employees
Diversity and Equal
Opportunity 2016
414 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 417
Indeks GRI STANDARD - 2021
GRI Standard Index - 2021
LOKASI
GRI STANDARD DISCLOSURE
LOCATION
413 Masyarakat Lokal
GRI 3: Pendekatan
Manajemen 2021 Manajemen Topik Material
3-3 342
Management Management of material topics
Approach 2021
GRI 413: 413-1 Operasi dengan keterlibatan masyarakat lokal, penilaian dampak, dan
Masyarakat Lokal Program Pengembangan Komunitas
344
2016 Operations with local community engagement, impact assessments
Local Communities and community development programs
417 Pemasaran dan Pelabelan
GRI 3: Pendekatan
Manajemen 2021 Manajemen Topik Material
3-3 360
Management Management of material topics
Approach 2021
Persyaratan untuk pelabelan dan informasi produk dan jasa
417-1 363
Requirements for labelling and information on products and services.
GRI 417: Pemasaran Insiden ketidakpatuhan terkait informasi dan pelabelan produk
dan Pelabelan 2016 dan jasa
417-2 362
Marketing and Incidents of non-compliance regarding information and labelling of
Labeling 2016 products and services.
Insiden ketidakpatuhan terkait komunikasi pemasaran
417-3 362
Incidents of non-compliance related to marketing communications.
418 Privasi Pelanggan
GRI 3: Pendekatan
Manajemen 2021 Manajemen Topik Material
3-3 360
Management Management of material topics
Approach 2021
GRI 418: Privasi Pengaduan yang berdasar mengenai pelanggaran terhadap privasi
Pelanggan 2016 pelanggan dan hilangnya data pelanggan
418-1 362
Customer Privacy Substantiated complaints concerning breaches of customer privacy
2016 and losses of customer data
419 Kepatuhan Sosial Ekonomi | Socioeconomic Compliance.
GRI 3:
Pendekatan
Manajemen Topik Material
Manajemen 2021 3-3 360
Management of material topics
GRI 3: Management
Approach 2021
GRI 419: Kepatuhan Ketidakpatuhan terhadap undang-undang dan peraturan
Sosial Ekonomi 2016 di bidang sosial dan ekonomi
419-1 364
Socioeconomic Non-compliance with laws and regulations in the social and economic
Compliance 2016 matters
Green Funding & Lending – Indicator of Financial Services Specific Supplement
GRI 3: Pendekatan Manajemen Topik Material
3-3 326
Manajemen 2021 Management of material topics
Management
FS1 Kebijakan khusus penerapan aspek lingkungan dan sosial dalam
Approach 2021
kegiatan usaha | Policies with specific environmental and social 328
components applied to business lines.
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 415
Page 418
TANGGUNG JAWAB SOSIAL
Sosial Responsibility
Indeks GRI STANDARD - 2021
GRI Standard Index - 2021
LOKASI
GRI STANDARD DISCLOSURE
LOCATION
FS3 Prosedur monitoring ketaatan debitur dalam mematuhi ketentuan
peraturan perundangan aspek sosial lingkungan yang tercantum dalam
perjanjian kredit. | Processes for monitoring clients’ implementation of 328
and compliance with environmental and social requirements included in
agreements or transactions.
FS4 Proses peningkatan kompetensi karyawan untuk menerapkan aturan/
perundangan terkait sosial dan lingkungan yang berlaku | Process(es)
336
for improving staff competency to implement the environmental and
social policies and procedures as applied to business lines.
FS6 Prosentase portofolio bisnis dibagi menurut wilayah, ukuran (misal:
Micro/SME/Besar), dan sektor | Percentage of the portfolio for business 328
lines by specific region, size (e.g. micro/SME/ large) and by sector.
FS7 Nilai portofolio produk dan jasa yang dirancang untuk mendukung
kegiatan sosial dibagi menurut segmen bisnis | Monetary value of
328
products and services designed to deliver a specific social benefit for
each business line broken down by purpose.
FS10 Prosentase dan jumlah perusahaan dalam portofolio Bank yang
memiliki kewajiban dan aktif berinteraski dalam menjawab isu-isu
terkait risiko maupun aspek sosial dan lingkungan. | Percentage and 328
number of companies held in the institution’s portfolio with which the
reporting organization has interacted on environmental or social issues.
FS15 Kebijakan mengenai produk dan layanan yang adil dan wajar | Policies
361
for the fair design and sale of financial products and services.
416 PT Bank Nationalnobu Tbk | 2023 ANNUAL REPORT
Page 419
LEMBAR UMPAN BALIK
Feedback Form [POJK G.2]
Terima kasih kepada Bapak/Ibu/Saudara yang telah Thank you for reading the 2023 Sustainability Report of
membaca Laporan Keberlanjutan PT Bank Nationalnobu PT Bank Nationalnobu Tbk. Please fill this feedback sheet
Tbk 2023. Untuk meningkatkan isi Laporan Keberlanjutan by answering the provided questions to help the Company
pada tahun-tahun mendatang, kami berharap Bapak/Ibu/ improve its sustainability performance.
Saudara bersedia untuk mengisi Lembar Umpan Balik ini
dengan melingkari salah satu jawaban dan mengisi titik-titik
yang tersedia.
1. Laporan Keberlanjutan menarik dan mudah dimengerti | This report is easy to understand:
a. Setuju | Agree b. Tidak Setuju | Disagree c. Tidak tahu | Neutral
2. Laporan ini sudah menggambarkan kinerja Perusahaan dalam mendukung terwujudnya pembangunan berkelanjutan |
This report describes the Company’s performance in sustainability development:
a. Setuju | Agree b. Tidak Setuju | Disagree c. Tidak tahu | Neutral
3. Laporan ini meningkatkan kepercayaan Anda pada keberlanjutan Perusahaan | This report increases your trust in the
Company’s sustainability
a. Setuju | Agree b. Tidak Setuju | Disagree c. Tidak tahu | Neutral
4. Materi dan data dalam Laporan Keberlanjutan ini sudah cukup lengkap | The material and data in this Sustainability Report
are sufficiently comprehensive
a. Setuju | Agree b. Tidak Setuju | Disagree c. Tidak tahu | Neutral
5. Apakah desain, tata letak, grafis dan foto-foto dalam Laporan Keberlanjutan ini sudah bagus? | Are the designs, layout,
graphics and photos in this Sustainability Report good?
a. Sudah bagus | Yes, they are good b. Belum bagus | Still not good c. Tidak tahu | Neutral
6. Topik material apa yang paling penting bagi Anda? | what material aspects do you deem as important for the sustainability?
.............................................................................................................................................................................................................................................................................................
.............................................................................................................................................................................................................................................................................................
7. Topik material apa yang paling tidak penting bagi Anda? | what material aspects do you deem as not important for the
sustainability?
.............................................................................................................................................................................................................................................................................................
.............................................................................................................................................................................................................................................................................................
8. Informasi apa yang dinilai masih kurang dari Laporan Keberlanjutan ini dan perlu ditambahkan pada Laporan Keberlanjutan
mendatang? | Which part of this report is lack in disclosure to you and needs improvement?
.............................................................................................................................................................................................................................................................................................
.............................................................................................................................................................................................................................................................................................
Identitas Pengirim | Your Identity:
Nama | Name : ............................................................................................................................................................................................................................................................
Email | Email : ............................................................................................................................................................................................................................................................
Identifikasi menurut kategori pemangku kepentingan | Identification by Stakeholder Group:
a. Pemegang Saham | Shareholder
b. Pemerintah/Regulator | Government/Regulator
c. Masyarakat | Public
d. Pelanggan | Customer
e. Karyawan | Employee
f. Mitra bisnis | Business Partner
g. Media massa | Mass Media
h. LSM | NGO
i. Lain-lain, sebutkan | Other, please mention.................................................................................................................................................................................
Terima kasih atas partisipasi Anda. Mohon agar lembar ini dikirimkan ke alamat berikut:
Thank you for your participation. Please send this sheet to the following address:
Corporate Secretary
Graha Lippo Jl. Boulevard Diponegoro No. 101 Lippo Village, Tangerang 15810 Banten, Indonesia
Telp: +6221 5999 0000 ; Email : corsec@nobuwwwbank.com ; Web : www.nobuwwwbank.com
EXPANDING CAPABILITIES CAPTURING OPPORTUNITIES 417
Page 420
Page 421
LAPORAN
KEUANGAN
UNTUK TAHUN-TAHUN YANG
BERAKHIR PADA TANGGAL
31 DESEMBER 2023 & 2022
Financial
Statements
FOR THE YEARS ENDED
DECEMBER 31, 2023 AND 2022
Page 422
Page 423
PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
Daftar Isi Halaman/ Table of Contents
Page
Surat Pernyataan Direksi Director’s Statement Letter
Laporan Auditor Independen Independent Auditor’s Report
Laporan Keuangan Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
Laporan Posisi Keuangan 1 Statements of Financial Position
Laporan Laba Rugi dan Statements of Profit or Loss and
3
Penghasilan Komprehensif Lain Other Comprehensive Income
Laporan Perubahan Ekuitas 4 Statements of Changes in Equity
Laporan Arus Kas 5 Statements of Cash Flows
Catatan atas Laporan Keuangan 7 Notes to the Financial Statements
Page 424
Page 425
Page 426
Page 427
Page 428
Page 429
Page 430
Page 431
Page 432
PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
LAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION
Per 31 Desember 2023 dan 2022 As of December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Catatan/ 2023 2022
Notes Rp Rp
ASET ASSETS
Kas 4 157,297 189,892 Cash
Giro pada Bank Indonesia 5 1,154,460 1,039,002 Current accounts with Bank Indonesia
Giro pada bank lain 6 106,592 178,054 Current accounts with other banks
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (1) (13) impairment losses
106,591 178,041
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 7 2,096,269 1,625,415 and other banks
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai -- -- impairment losses
2,096,269 1,625,415
Efek-efek 8 2,755,787 1,177,813 Marketable Securities
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai -- -- impairment losses
2,755,787 1,177,813
Tagihan atas efek-efek yang Receivable from marketable securities
dibeli dengan janji dijual kembali 9 3,098,592 4,620,857 purchased under agreements to resell
Tagihan derivatif 18 1 525 Derivatives receivables
Kredit yang diberikan 10 Loans
Pihak berelasi 35 297,241 133,227 Related parties
Pihak ketiga 14,939,935 12,275,991 Third parties
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (101,203) (79,534) impairment losses
15,135,973 12,329,684
Aset tetap dan aset hak guna 11 936,842 497,606 Fixed assets and right-of-use assets
Dikurangi: Akumulasi penyusutan (234,994) (194,101) Less: Accumulated depreciation
701,848 303,505
Aset tak berwujud 12 174,345 129,406 Intangible assets
Dikurangi: Akumulasi amortisasi (47,674) (33,780) Less: Accumulated amortization
126,671 95,626
Agunan yang diambil alih - neto 13 73,027 160,749 Foreclosed assets - net
Uang muka dan biaya dibayar di muka 14 247,557 152,000 Advance and prepaid expenses
Aset lain-lain 15 968,279 243,257 Other assets
JUMLAH ASET 26,622,352 22,116,366 TOTAL ASSETS
Menyetujui:
Suhaimin Djohan Hendra Kurniawan
Presiden Direktur Direktur
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Approval for Printing 1 Sign:
Page 433
PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
LAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION)
(Lanjutan) (Continued)
Per 31 Desember 2023 dan 2022 As of December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
LIABILITAS Catatan/ 2023 2022 LIABILITIES
DAN EKUITAS Notes Rp Rp AND EQUITY
LIABILITAS LIABILITIES
Simpanan nasabah 16 Deposits from customers
Pihak berelasi 35 2,589,391 2,902,142 Related parties
Pihak ketiga 15,286,142 12,173,838 Third parties
Simpanan dari bank lain 17 574,934 561,234 Deposits from other banks
Liabilitas derivatif 18 969 1,287 Derivative liabilities
Liabilitas atas efek-efek yang Liabilities from marketable securities
dijual dengan janji dibeli kembali 19 4,502,329 4,275,913 sold under agreements to repurchase
Utang pajak 20.a 42,989 26,670 Tax payables
Liabilitas pajak tangguhan 20.d 36,816 9,976 Deferred tax liabilities
Liabilitas imbalan pasca kerja 34 22,132 9,119 Post employment benefits liabilities
Liabilitas lain-lain 21 231,635 283,587 Other liabilities
JUMLAH LIABILITAS 23,287,337 20,243,766 TOTAL LIABILITIES
EKUITAS EQUITY
Modal saham Share capital
Nilai nominal Rp100 (dalam rupiah penuh) Par value Rp100 (in full rupiah)
Modal dasar - 7.950.000.000 Authorized - 7,950,000,000
(satuan penuh) saham (full amount) shares
Modal ditempatkan dan disetor penuh - December 31, 2023,
7.478.443.899 (satuan penuh) saham 7,478,443,899 (full amount)shares as of
per 31 Desember 2023, dan December 31, 2023, and
4.602.279.422 (satuan penuh) saham 4,602,279,422 (full amount)shares as of
per 31 Desember 2022 22 747,844 460,228 December 31, 2022
Agio saham 23 2,030,965 1,027,864 Premium on stock
Dana setoran modal 24 -- 35,000 Advance capital
Keuntungan (Kerugian) yang belum direalisasi Unrealized gain (loss) on
atas perubahan nilai wajar efek-efek change in fair value of marketable
yang diklasifikasikan pada securities classified as fair
nilai wajar melalui penghasilan value through other comprehensive
komprehensif lain setelah pajak 8.g 29,380 (37,681) income net after tax
Saldo laba Retained earnings
Cadangan umum 25 22,000 17,000 General reserves
Belum ditentukan penggunaannya 504,826 370,189 Unappropriated
JUMLAH EKUITAS 3,335,015 1,872,600 TOTAL EQUITY
JUMLAH LIABILITAS DAN EKUITAS 26,622,352 22,116,366 TOTAL LIABILITIES AND EQUITY
Menyetujui:
Suhaimin Djohan Hendra Kurniawan
Presiden Direktur Direktur
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Approval for Printing 2 Sign:
Page 434
PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
LAPORAN LABA RUGI DAN STATEMENTS OF PROFIT OR LOSS
PENGHASILAN KOMPREHENSIF LAIN AND OTHER COMPREHENSIVE INCOME
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Catatan/ 2023 2022
Notes Rp Rp
PENDAPATAN (BEBAN) BUNGA INTEREST INCOME (EXPENSES)
Pendapatan bunga 26, 35 1,499,179 1,161,531 Interest income
Beban bunga 27, 35 (763,389) (502,440) Interest expense
Pendapatan bunga - neto 735,790 659,091 Interest income - net
PENDAPATAN OPERASIONAL LAINNYA OTHER OPERATING INCOME
Keuntungan penjualan Gain on sale of
efek-efek 3,209 12,029 marketable securities
Provisi dan komisi selain Fees and commissions
dari kredit yang diberikan 122,570 38,295 other than from loans
Keuntungan transaksi Gain on foreign
mata uang asing 18 3,324 2,892 currencies transactions
Lain-lain 28 26,141 18,960 Others
Jumlah pendapatan
operasional lainnya 155,244 72,176 Total other operating income
PEMBENTUKAN PROVISION OF
CADANGAN KERUGIAN ALLOWANCE FOR
PENURUNAN NILAI NETO 29 (42,984) (25,497) IMPAIRMENT LOSSES NET
BEBAN OPERASIONAL LAINNYA OTHER OPERATING EXPENSES
Umum dan administrasi 30 (334,485) (275,659) General and administrative
Tenaga kerja 31 (333,147) (295,748) Personnel
Jumlah beban operasional lainnya (667,632) (571,407) Total other operating expenses
LABA OPERASIONAL 180,418 134,363 OPERATING INCOME
PENDAPATAN (BEBAN) NON OPERATING
NON OPERASIONAL - NETO 32 5,112 (230) INCOME (EXPENSES) - NET
LABA SEBELUM PAJAK PENGHASILAN 185,530 134,133 INCOME BEFORE INCOME TAX
BEBAN INCOME TAX
PAJAK PENGHASILAN EXPENSES
Kini 20.c (35,273) (18,914) Current
Tangguhan 20.d (8,721) (11,374) Deferred
(43,994) (30,288)
LABA NETO NET INCOME FOR
TAHUN BERJALAN 141,536 103,845 THE CURRENT YEAR
PENGHASILAN 1 OTHER
KOMPREHENSIF LAIN COMPREHENSIVE INCOME
Pos yang tidak akan Item that will not be reclassified
direklasifikasi ke laba rugi to profit or loss
Pengukuran kembali atas liabilitas Remeasurement on post
imbalan pasca kerja 34 (2,434) 2,992 employment benefits liabilities
Pajak penghasilan terkait pos-pos yang Income tax relating to item that
akan direklasifikasi ke laba rugi 20.d 535 (658) will be reclassified to profit or loss
(1,899) 2,334
Pos yang akan direklasifikasi Item that will be reclassified
ke laba rugi to profit or loss
Keuntungan (Kerugian) yang belum Unrealized Gain (losses)
direalisasi atas perubahan from changes in fair value of
nilai wajar efek-efek yang marketable securities
diklasifikasikan pada nilai wajar melalui classified as fair value through
penghasilan komprehensif lain 7.g 85,715 (42,644) other comprehensive income
Pajak penghasilan terkait pos yang Income tax relating to Items that
akan direklasifikasi ke laba rugi 20.d (18,654) 9,382 will be reclassified to profit or loss
67,061 (33,262)
Penghasilan komprehensif lain Other comprehensive income
tahun berjalan setelah pajak 65,162 (30,928) for the current year after tax
JUMLAH LABA KOMPREHENSIF TOTAL COMPREHENSIVE INCOME
TAHUN BERJALAN 206,698 72,917 FOR THE CURRENT TAHUN
LABA BERSIH PER SAHAM DASAR -- -- BASIC EARNINGS PER SHARE
(dalam rupiah penuh) 33 23.05 22.56 (in full rupiah)
3,029
Menyetujui: 3,029
Suhaimin Djohan Hendra Kurniawan
Presiden Direktur Direktur
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Approval for Printing 3 Sign:
Page 435
PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
LAPORAN PERUBAHAN EKUITAS STATEMENTS OF CHANGES IN EQUITY
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Keuntungan (kerugian)
yang belum direalisasi
atas perubahan nilai
wajar untuk efek-efek
yang diklasifikasikan
pada nilai wajar melalui
penghasilan komprehensif
Modal lain setelah pajak tangguhan/
ditempatkan Unrealized gains Saldo laba/
dan disetor (losses) from Retained earning
penuh/ Agio Dana marketable securities Cadangan Belum *) Jumlah
Issued and saham/ setoran modal/ classified as other umum/ ditentukan ekuitas/
fully paid Premium Advance comprehensive income General penggunaannya/ Total
Catatan/ capital on stock capital net of deferred tax reserves Unappropriated equity
Notes Rp Rp Rp Rp Rp Rp Rp
SALDO PER 31 DESEMBER 2021 443,791 851,134 193,167 (4,419) 12,000 269,010 1,764,683 BALANCE AS OF DECEMBER 31, 2021
Dana setoran modal 24 -- -- 35,000 -- -- -- 35,000 Additional paid-in capital
Cadangan umum 25 -- -- -- -- 5,000 (5,000) -- Total comprehensive income
Tambahan modal disetor 25 16,437 176,730 (193,167) -- -- -- -- Additional paid-in capital
Jumlah laba komprehensif Total comprehensive income
tahun berjalan -- -- -- (33,262) -- 106,179 72,917 for the current year
SALDO PER 31 DESEMBER 2022 460,228 1,027,864 35,000 (37,681) 17,000 370,189 1,872,600 BALANCE AS OF DECEMBER 31, 2022
Cadangan umum 25 -- -- -- -- 5,000 (5,000) -- General reserve
Tambahan modal disetor 22, 25 287,616 1,003,101 (35,000) -- -- -- 1,255,717 Additional paid-in capital
Jumlah laba komprehensif Total comprehensive income
tahun berjalan -- -- -- 67,061 -- 139,637 206,698 for the current year
SALDO PER 31 DESEMBER 2023 747,844 2,030,965 -- 29,380 22,000 504,826 3,335,015 BALANCE AS OF DECEMBER 31, 2023
*) Saldo laba termasuk keuntungan (kerugian) aktuarial dari pengukuran kembali *) Retained earnings include gain (loss) from remeasurement of
liabilitas imbalan pasca kerja post employment benefit liabilities
Menyetujui:
Suhaimin Djohan Hendra Kurniawan
Presiden Direktur Direktur
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Approval for Printing 4 Sign:
Page 436
PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
LAPORAN ARUS KAS STATEMENTS OF CASH FLOWS
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Catatan/ 2023 2022
Notes Rp Rp
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS OPERASI OPERATING ACTIVITIES
Penerimaan bunga, Interest,
provisi dan komisi 1,351,802 1,156,145 fees and commissions receipts
Pembayaran bunga (745,916) (496,196) Interest payment
Penerimaan provisi dan Fees and commissions
komisi selain kredit 122,570 38,295 other than loan receipts
Pembayaran biaya tenaga kerja (322,568) (312,281) Payment of personnel expenses
Pengeluaran beban lainnya (101,309) (226,157) Payment of other expenses
Pembayaran pajak penghasilan badan (22,633) (17,220) Corporate income tax payment
Arus kas sebelum perubahan dalam Cash flows before changes in
aset dan liabilitas operasi 281,946 142,586 operating assets and liabilities
Perubahan aset dan liabilitas yang Changes in assets and liabilities
digunakan untuk operasi: used for operating:
Efek-efek yang diukur Marketable securities
pada nilai wajar melalui laba rugi -- 426 classified as fair value to profit or loss
Tagihan atas efek-efek yang dibeli Receivable from marketable securities
dengan janji dijual kembali 9 1,522,265 918,635 purchased under agreements to resell
Tagihan akseptasi -- 592 Acceptance receivables
Tagihan derivatif 18 524 (525) Derivative receivables
Kredit yang diberikan 10 (2,827,958) (2,605,505) Loans
Aset lain-lain (650,622) 31,858 Other assets
Simpanan nasabah 16 2,799,553 (936,212) Deposits from customer
Simpanan dari bank lain 17 13,700 (383,116) Deposits from other banks
Liabilitas atas efek-efek yang dijual Liabilities from marketable securities sold
dengan janji dibeli kembali 19 226,416 2,553,941 under agreements to repurchase
Liabilitas akseptasi -- (592) Acceptance payables
Liabilitas derivatif 18 (318) (2,362) Derivative payables
Utang pajak 3,679 (1,194) Taxes payables
Liabilitas lain-lain (5,362) (5,400) Other liabilities
Kas neto yang diperoleh dari Net cash flows provided from
(digunakan untuk) aktivitas operasi 1,363,823 (286,868) (used for) operating activities
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS INVESTASI INVESTING ACTIVITIES
Penempatan pada efek-efek yang Placement in marketable securities
diklasifikasikan sebagai nilai wajar melalui classified as fair value through other
penghasilan komprehensif lain dan comprehensive income
biaya perolehan yang diamortisasi - neto (2,403,162) (1,289,566) and amortized cost - net
Pelepasan pada efek-efek yang Liquidation in marketable securities
diklasifikasikan sebagai nilai wajar melalui classified as fair value through other
penghasilan komprehensif lain dan comprehensive income and
biaya perolehan yang diamortisasi - neto 738,000 961,595 amortized cost - net
Pembelian aset takberwujud 12 (27,032) (22,448) Acquisitions of intangible assets
Pembelian aset tetap 11 (65,758) (13,383) Acquisition of fixed assets
Hasil penjualan aset tetap 11 17 16 Proceeds from sale of fixed assets
Kas neto yang Net cash flows
digunakan untuk aktivitas investasi (1,757,935) (363,786) used for investing activities
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS PENDANAAN FINANCING ACTIVITIES
Penerimaan dana setoran modal 24 -- 35,000 Proceed from advance capital
Penambahan modal saham 900,108 -- Addition share capital
Pembayaran emisi saham (12,453) (660) Payment of share issuance
Pembayaran liabilitas sewa (14,609) (8,620) Payment of lease liabilities
Kas neto yang diperoleh dari Net cash flows provided by
digunakan untuk aktivitas pendanaan 873,046 25,720 used in financing activities
Pengaruh perubahan kurs Effect of foreign currency exchange
mata uang asing 3,321 2,892 rate changes
KENAIKAN (PENURUNAN) BERSIH NET INCREASE (DECREASE) IN
KAS DAN SETARA KAS 482,255 (622,042) CASH AND CASH EQUIVALENTS
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS AT
AWAL TAHUN 3,032,363 3,654,405 THE BEGINNING OF THE YEAR
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS AT
AKHIR TAHUN 3,514,618 3,032,363 THE END OF THE YEAR
Menyetujui:
Suhaimin Djohan Hendra Kurniawan
Presiden Direktur Direktur
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Approval for Printing 5 Sign:
Page 437
PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
LAPORAN ARUS KAS (Lanjutan) STATEMENTS OF CASH FLOWS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Catatan/ 2023 2022
Notes Rp Rp
Kas dan Setara Kas terdiri dari: Cash and Cash Equivalents consist of:
Kas 4 157,297 189,892 Cash
Giro pada Bank Indonesia 5 1,154,460 1,039,002 Current accounts with Bank Indonesia
Giro pada bank lain 6 106,592 178,054 Current accounts with other banks
Penempatan pada Bank Indonesia dan Placement with Bank Indonesia and
bank lain - jangka waktu jatuh tempo other banks - maturing within
tiga bulan atau kurang sejak three months since
tanggal perolehan 7 2,096,269 1,625,415 acquisition date
Jumlah 3,514,618 3,032,363 Total
Tambahan informasi arus kas disajikan pada Catatan 45 Additional information of cash flow presented in Note 45
Menyetujui:
Suhaimin Djohan Hendra Kurniawan
Presiden Direktur Direktur
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Approval for Printing 6 Sign:
Page 438
PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
1. Umum 1. General
1.a. Pendirian Bank 1.a. Establishment of the Bank
PT Bank Nationalnobu Tbk (dahulu PT Bank PT Bank Nationalnobu Tbk (formerly PT Bank
Alfindo) (“Bank”) didirikan di Jakarta pada Alfindo) (“the Bank”) was established in
tanggal 13 Februari 1990 sesuai dengan Akta Jakarta on February 13, 1990 in accordance
Notaris No. 86 dari Drs. Entjoen Mansoer the Notarial Deed No. 86 from Drs. Entjoen
Wiriatmadja, S.H., Notaris di Jakarta. Mansoer Wiriatmadja, S.H., a Notary in
Anggaran dasar Bank telah diubah melalui Jakarta. The Bank’s Articles of Association
Notaris yang sama dengan Akta No. 129 was amended through the same Notary by
tanggal 10 April 1990 dan telah disahkan oleh Deed No. 129 dated April 10, 1990 and was
Menteri Kehakiman Republik Indonesia melalui approved by the Minister of Justice of
Surat Keputusan No. C2-2610.HT.01.01.TH.90 Republic of Indonesia in his Decree
tanggal 7 Mei 1990 serta diumumkan dalam No. C2-2610.HT.01.01.TH.90 dated
Berita Negara Republik Indonesia No. 80 May 7, 1990 and was published in the State
Tambahan No. 3865 tanggal 5 Oktober 1990. Gazette of Republic of Indonesia
No. 80 Supplement No. 3865 dated
October 5, 1990.
Perubahan status Bank dari perseroan tertutup The Bank changed the status from private
menjadi perseroan terbuka berdasarkan Akta company to become a public listed company
Pernyataan Keputusan Rapat No. 7 tanggal pursuant to Deed of General Shareholders
10 Desember 2012, yang dibuat di hadapan Meeting No. 7 dated December 10, 2012,
Unita Christina Winata, S.H., Notaris di made in the presence of Unita Christina
Jakarta, dimana perubahan tersebut telah Winata, S.H., Notary in Jakarta, which
mendapatkan persetujuan dari Menteri Hukum amendment was approved by the Minister
dan Hak Asasi Manusia Republik Indonesia of Law and Human Rights of the Republic
No. AHU-64129.AH.01.02 Tahun 2012 tanggal of Indonesia in its letter
14 Desember 2012. No. AHU-64129.AH.01.02 Tahun 2012 dated
December 14, 2012.
Anggaran dasar Bank telah mengalami Articles of association of the Bank have been
beberapa kali perubahan, terakhir dinyatakan amended several times, most recently by Deed
dengan Akta Pernyataan Keputusan Rapat of Extraordinary General Shareholders
Umum Pemegang Saham Luar Biasa No. 13 Meeting No. 13 dated June 15, 2023, made in
tanggal 15 Juni 2023, yang dibuat di hadapan the presence Lily Harjati Soedewo, S.H.,
Lily Harjati Soedewo, S.H., M.Kn., Notaris di M.Kn., Notary in Jakarta. This amendment has
Jakarta. Perubahan tersebut telah diterima dan been received and recorded in the database of
dicatat di dalam Sistem Administrasi Badan the Legal Entity Administration of the Ministry
Hukum Kementerian Hukum dan Hak Asasi of Law and Human Rights of the Republic of
Manusia Republik Indonesia sesuai Surat Indonesia in accordance with the
Penerimaan Pemberitahuan Perubahan Letter of Acceptance of Notification of
Anggaran Dasar Perseroan No. AHU- Amendment to the Company's Articles of
AH.01.09-0130978 tanggal 23 Juni 2023, dan Association No. AHU-AH.01.09-0130978 dated
telah didaftar dalam Daftar Perseroan June 23, 2023, has been registered
No. AHU-0117752.AH.01.11 Tahun 2023 in the Company Register No. AHU-
tanggal 23 Juni 2023. 0117752.AH.01.11 Tahun 2023 dated
June 23, 2023.
Berdasarkan pasal 3 anggaran dasar Bank, According to article 3 of its articles of
ruang lingkup kegiatan Bank adalah association, the Bank scope of activities is to
melakukan usaha di bidang perbankan. conduct banking services.
7
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Berdasarkan Surat Keputusan Menteri Based on the Decree of the Minister of
Keuangan Republik Indonesia Finance of the Republic of Indonesia
No. 949/KMK.013/1990 tanggal 16 Agustus No. 949/KMK.013/1990 dated August 16,
1990, Bank memulai kegiatan operasionalnya 1990, the Bank started its operation as a
sebagai bank umum. commercial bank.
Bank memperoleh izin usaha sebagai bank The Bank had obtained the license to
devisa berdasarkan surat keputusan Otoritas operate as a foreign exchange bank based on
Jasa Keuangan No. KEP-112/D.03/2014 the decision letter of Financial Services
tanggal 21 November 2014. Authority No. KEP-112/D.03/2014 dated
November 21, 2014.
Pada tanggal 31 Desember 2023 dan As of December 31, 2023 and December 31,
31 Desember 2022, PT Putera Mulia Indonesia 2022, PT Putera Mulia Indonesia as the Bank’s
sebagai pemegang saham pengendali Bank controlling shareholder and Mr. James Tjahaja
dan Bapak James Tjahaja Riady sebagai Riady as ultimate shareholder. As of
pemegang saham pengendali. Pada tanggal December 31, 2021, PT Kharisma Buana
31 Desember 2021, PT Kharisma Buana Nusantara as the Bank’s controlling
Nusantara sebagai pemegang saham shareholder and Mr. Mochtar Riady as ultimate
pengendali Bank dan Bapak Mochtar Riady shareholder.
sebagai pemegang saham pengendali.
Kantor pusat Bank berlokasi di Gedung Graha The Bank’s head office is located at Graha
Lippo, Curug Neglasari, Jl. Boulevard Lippo Building, Curug Neglasari, Jl. Boulevard
Diponegoro No.101, Klp. Dua, Kec. Klp. Dua, Diponegoro No.101, Klp. Dua, Kec. Klp. Dua,
Kabupaten Tangerang, Banten 15810. Bank Kabupaten Tangerang, Banten 15810. The
mempunyai kantor pusat non operasional, Bank has non-operational head office, branch
kantor cabang, kantor cabang pembantu, dan offices, subbranch offices, and Automatic
Anjungan Tunai Mandiri (ATM) di Indonesia Teller Machines (ATM) in Indonesia, as
dengan rincian sebagai berikut: follows:
2023 2022
Kantor Pusat Non Operasional 2 1 Non Operational Head Office
Kantor Cabang 42 41 Branch Offices
Kantor Cabang Pembantu 71 71 Sub Branch Offices
ATM 225 225 ATMs
1.b. Penawaran Umum Saham 1.b. Public Offering of Shares
Pada tanggal 8 Mei 2013, Bank memperoleh On May 8, 2013, the Bank obtained an
pernyataan efektif dari Kepala Eksekutif effective statement from Capital Market
Pengawas Pasar Modal Otoritas Jasa Supervisory Chief Executive of the Otoritas
Keuangan (OJK) berdasarkan Surat Jasa Keuangan (OJK) by Decree
Keputusannya No. S-109/D.04/2013 untuk No. S-109/D.04/2013 to conduct a public
melakukan penawaran umum 2.155.830.000 offering of 2,155,830,000 (in full amount)
(dalam satuan penuh) saham biasa dengan ordinary shares with par value per share of
nilai nominal per saham Rp100 (nilai penuh) Rp100 (full amount) and the offering price of
dan harga penawaran sebesar Rp375 Rp375 (full amount) per share. On May 20,
(nilai penuh) per saham. Pada tanggal 2013, the Bank's shares have been listed in
20 Mei 2013, saham Bank tersebut telah the Indonesia Stock Exchange.
dicatatkan pada Bursa Efek Indonesia.
Berdasarkan Akta Pernyataan Keputusan Based on Deed of Extraordinary General
Rapat Umum Pemegang Saham (RUPS) Luar Shareholders Meeting (EGSM) No. 34 dated
Biasa No. 34 tanggal 26 Agustus 2014 dari August 26, 2014, of Unita Christina Winata,
Unita Christina Winata, S.H., Notaris di S.H., Notary in Jakarta, approved the issuance
Jakarta, disetujui penerbitan saham baru tanpa of new shares without Pre-emptive Rights for
Hak Memesan Efek Terlebih Dahulu sejumlah 414,583,000 shares.
sebanyak-banyaknya 414.583.000 saham.
8
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Pada September 2014, saham baru tanpa Hak In September 2014, new shares without Pre-
Memesan Efek Terlebih Dahulu yang emptive Rights issued 165,500,000 (in full
diterbitkan sebanyak 165.500.000 (dalam amount) ordinary shares with par value per
satuan penuh) saham biasa dengan nilai share of Rp100 (full amount) and offering price
nominal per saham Rp100 (nilai penuh) dan of Rp790 (full amount) per share. The
harga penawaran sebesar Rp790 (nilai penuh) additional shares of the Bank have been listed
per saham. Penambahan saham Bank on the Indonesia Stock Exchange on
tersebut telah dicatatkan pada Bursa Efek September 4, 2014.
Indonesia pada tanggal 4 September 2014.
Pada Februari 2016, saham baru tanpa Hak In February 2016, new shares without Pre-
Memesan Efek Terlebih Dahulu yang emptive Rights issued 126,582,300 (in full
diterbitkan sebanyak 126.582.300 (dalam amount) ordinary shares with par value per
satuan penuh) saham biasa dengan nilai share of Rp100 (full amount) and offering price
nominal per saham Rp100 (nilai penuh) dan of Rp790 (full amount) per share. The
harga penawaran sebesar Rp790 (nilai penuh) additional shares of the Bank have been listed
per saham. Penambahan saham Bank on the Indonesia Stock Exchange on
tersebut telah dicatatkan pada Bursa Efek February 2, 2016.
Indonesia pada tanggal 2 Februari 2016.
Pada tanggal 29 November 2021, Bank On November 29, 2021, the Bank obtained an
memperoleh pernyataan efektif dari Kepala effective statement from the Chief Executive of
Eksekutif Pengawas Pasar Modal OJK the Capital Market Supervisor OJK based on a
berdasarkan surat keputusan decree No. S-218/D.04/2021 to additional
No. S-218/D.04/2021 untuk melakukan Capital with Pre-emptive Right (PMHMETD) of
Penambahan Modal dengan Hak Memesan 164,367,122 (in full amount) ordinary shares
Efek Terlebih Dahulu (PMHMETD) sebesar with a nominal value of Rp100 (full amount)
164.367.122 (dalam satuan penuh) saham and an offering price of Rp1,250 (full amount)
biasa dengan nilai nominal sebesar Rp100 per share. The additional shares of the Bank
(nilai penuh) dan harga penawaran sebesar have been listed on the Indonesia Stock
Rp1.250 (nilai penuh) per saham. Exchange (IDX) on December 24, 2021.
Penambahan saham Bank tersebut telah
dicatatkan pada Bursa Efek Indonesia (BEI)
pada tanggal 24 Desember 2021.
Pada tanggal 1 Februari 2023, Bank On February 1, 2023, the Bank obtained an
memperoleh pernyataan efektif dari Kepala effective statement from the Chief Executive of
Eksekutif Pengawas Pasar Modal OJK the Capital Market Supervisor OJK based on a
berdasarkan surat keputusan decree No. S-37/D.04/2023 to additional
No. S-37/D.04/2023 untuk melakukan Capital with Pre-emptive Right (PMHMETD) of
Penambahan Modal dengan Hak Memesan 681,819,174 (in full amount) ordinary shares
Efek Terlebih Dahulu (PMHMETD) sebesar with a nominal value of Rp100 (full amount)
681.819.174 (dalam satuan penuh) saham and an offering price of Rp592 (full amount)
biasa dengan nilai nominal sebesar Rp100 per share. The additional shares of the Bank
(nilai penuh) dan harga penawaran sebesar have been listed on the Indonesia Stock
Rp592 (nilai penuh) per saham. Penambahan Exchange (IDX) on February 28, 2023.
saham Bank tersebut telah dicatatkan pada
Bursa Efek Indonesia (BEI) pada tanggal
28 Februari 2023.
9
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
1.c. Dewan Komisaris, Direksi, dan Karyawan 1.c. Board of Commissioners, Directors, and
Employees
Berdasarkan Akta Pernyataan Keputusan Based on the Deed of General Shareholders
Rapat Umum Pemegang Saham Tahunan Meeting No. 15 dated July 14, 2022 made in
No. 15 tanggal 14 Juli 2022 yang dibuat di the presence of Lily Harjati Soedewo, S.H.,
hadapan Lily Harjati Soedewo, S.H., M.Kn., M.Kn., notary in Jakarta, and based on the
notaris di Jakarta, dan berdasarkan Akta Deed of meeting decision statement No. 20
pernyataan keputusan rapat No. 20 tanggal dated August 27, 2021 made in the presence
27 Agustus 2021 yang dibuat di hadapan Lily of Lily Harjati Seodewo, S.H., M.Kn., notary in
Harjati Soedewo, S.H., M.Kn., notaris di Jakarta, the Board of Commissioners and
Jakarta, susunan Dewan Komisaris dan Board of Directors as of December 31, 2023
Direksi masing-masing pada tanggal 31 and 2022, respectively, are as follows:
Desember 2023 dan 2022 adalah sebagai
berikut:
31 Desember 2023 dan 2022/
December 31, 2023 and 2022
Dewan Komisaris Board of Commissioners
Komisaris Utama Independen Prof. Adrianus Mooy, M.Sc., Ph.D Independent President Commissioner
Komisaris Independen Dewi Pandamsari Independent Commissioner
Komisaris Independen Tjindrasa Ng Independent Commissioner
Direksi Board of Directors
Direktur Utama Suhaimin Djohan President Director
Direktur Keuangan dan Tresuri Hendra Kurniawan Director of Finance and Treasury
Direktur Kepatuhan, Manajemen Director of Compliance, Risk
Risiko dan Personalia Januar Angkawidjaja Management and Human Resource
Direktur Teknologi Informasi dan Director of Information Technology and
Operasional Andrian Meirawan Saptura Operational
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the Bank
Bank memiliki karyawan masing-masing has 1,247 and 1,192 employees, respectively
sebanyak 1.247 dan 1.192 karyawan (tidak (unaudited).
diaudit).
1.d. Komite-komite Bank, Satuan Kerja Audit 1.d. The Bank’s Committees, Internal Audit Unit,
Internal, Sekretaris Perusahaan Corporate Secretary
Sesuai Peraturan Otoritas Jasa Keuangan To comply with Regulation of
(POJK) No. 17/POJK/2023 tanggal Financial Services Authority (POJK)
14 September 2023 tentang Penerapan No. 55/17POJK/2023 dated September 14,
Tata Kelola Bagi Bank Umum dan 2023 regarding Governance Implementation
Peraturan Otoritas Jasa Keuangan for Commercial Bank and OJK Regulation
(POJK) No. 55/POJK.04/2015 tanggal No. 55/POJK.04/2015 dated December 29,
29 Desember 2015 tentang Pembentukan dan 2015 regarding Establishment and
Pedoman Pelaksanaan Kerja Komite Audit, Implementation Guidelines for Audit
Bank telah membentuk beberapa Komite. Committee, the Bank has established several
Committees.
10
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Susunan Komite Bank per 31 Desember 2023 The members of the Bank’s Committees as of
dan 2022 adalah sebagai berikut: December 31, 2023 and 2022 are as follows:
31 Desember 2023 dan 2022/
December 31, 2023 and 2022
Komite Audit Audit Committee
Ketua Prof. Adrianus Mooy, M.Sc., Ph.D Chairman
Anggota Dewi Pandamsari Member
Anggota Tjindrasa Ng Member
Anggota Kristiana Hardiyati *) Member
Anggota I Nyoman Tjager Member
Komite Pemantau Risiko Risk Monitoring Committee
Ketua Tjindrasa Ng Chairman
Anggota Prof. Adrianus Mooy, M.Sc., Ph.D Member
Anggota Dewi Pandamsari Member
Anggota Kristiana Hardiyati *) Member
Anggota I Nyoman Tjager Member
Komite Remunerasi dan Nomination and
Nominasi Remuneration Committee
Ketua Prof. Adrianus Mooy, M.Sc., Ph.D Chairman
Anggota Tjindrasa Ng Member
Anggota Chandra Kusdianto Member
*) telah diangkat berdasarkan surat keputusan Direksi *) has been appointed based on Directors Decree
No.101/SK/DIR/III/2022 dan No.102/SK/DIR/III/2022 No.101/SK/DIR/III/2022 and No.102/SK/DIR/III/2022
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the
Kepala Satuan Kerja Audit Internal Bank Bank’s Head of Internal Audit Unit is Abdul
adalah Abdul Hadi. Hadi.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the
Sekretaris Perusahaan adalah Mario Satrio Corporate Secretary is Mario Satrio Wibowo.
Wibowo.
2. Ikhtisar Kebijakan Akuntansi Material 2. Summary of Material Accounting Policies
2.a. Kepatuhan Terhadap Standar Akuntansi 2.a. Compliance with the Financial Accounting
Keuangan (SAK) Standards (SAK)
Laporan keuangan Bank telah disusun dan The Bank’s financial statements were prepared
disajikan sesuai dengan Standar Akuntansi and presented in accordance with Indonesian
Keuangan di Indonesia yang meliputi Financial Accounting Standards which include
Pernyataan Standar Akuntansi Keuangan the Statement of Financial Accounting
(PSAK) dan Interpretasi Standar Akuntansi Standards (PSAK) and Interpretation of
Keuangan (ISAK) yang diterbitkan oleh Dewan Financial Accounting Standards (ISAK) issued
Standar Akuntansi Keuangan – Ikatan Akuntan by the Financial Accounting Standard Board –
Indonesia (DSAK – IAI), serta peraturan Pasar Indonesian Institute of Accountant (DSAK –
Modal yang berlaku antara lain Peraturan IAI), and regulations in the Capital Market
Otoritas Jasa Keuangan/Badan Pengawas include Regulations of Financial Sevices
Pasar Modal dan Lembaga Keuangan Authority/ Capital Market and Supervisory
(OJK/Bapepam-LK) No. VIII.G.7 tentang Board and Financial Institution (OJK/Bapepam-
pedoman penyajian laporan keuangan, LK) No. VIII.G.7 regarding guidelines for the
keputusan Ketua Bapepam-LK presentation of financial statements, decree of
No. KEP-347/BL/2012 tentang penyajian dan Chairman of Bapepam-LK No. KEP-
pengungkapan laporan keuangan emiten atau 347/BL/2012 regarding presentation and
perusahaan publik. disclosure of financial statements of the issuer
or public company.
11
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
2.b. Dasar Pengukuran dan Penyusunan 2.b. Basis of Measurement and Preparation of
Laporan Keuangan Financial Statements
Laporan keuangan Bank disusun dan disajikan The Bank's financial statements have been
berdasarkan asumsi kelangsungan usaha prepared and presented based on going
serta atas dasar akrual, kecuali laporan arus concern assumption and accrual basis of
kas Bank. Dasar pengukuran dalam accounting, except for the Bank's statements
penyusunan laporan keuangan ini adalah of cash flows. Basis of measurement in
konsep biaya perolehan, kecuali beberapa preparation of these financial statements is the
akun tertentu yang didasarkan pengukuran lain historical costs concept, except for certain
sebagaimana dijelaskan dalam kebijakan accounts which have been prepared on the
akuntansi masing-masing akun tersebut. Biaya basis of other measurements as described in
perolehan umumnya didasarkan pada nilai their respective policies. Historical cost is
wajar imbalan yang diserahkan dalam generally based on the fair value of the
pemerolehan aset. consideration given in exchange for assets.
Laporan arus kas disajikan dengan metode The statements of cash flows are prepared
langsung (direct method) dengan using the direct method by classifying cash
mengelompokkan arus kas dalam aktivitas flows into operating, investing, and financing
operasi, investasi, dan pendanaan. activities.
Mata uang penyajian yang digunakan dalam The presentation currency used in the
penyusunan laporan keuangan ini adalah preparation of the financial statements is
Rupiah yang merupakan mata uang fungsional Indonesian Rupiah which is the functional
Bank. currency of the Bank.
2.c. Transaksi dan Saldo dalam Mata Uang 2.c. Foreign Currency Transactions and
Asing Balances
Dalam menyiapkan laporan keuangan, Bank In preparing financial statements, the Bank
mencatat dengan menggunakan mata uang record by using the currency of the primary
dari lingkungan ekonomi utama di mana Bank economic environment in which the Bank
beroperasi (“mata uang fungsional”). Mata operates (“the functional currency”). The
uang fungsional Bank adalah Rupiah. functional currency of the Bank is Rupiah.
Transaksi-transaksi selama tahun berjalan Transactions during the year in foreign
dalam mata uang asing dicatat dalam Rupiah currencies are recorded in Rupiah by applying
dengan kurs spot antara Rupiah dan valuta to the foreign currency amount the spot
asing pada tanggal transaksi. Pada akhir exchange rate between Rupiah and the foreign
periode pelaporan, pos moneter dalam mata currency at the date of transactions. At the end
uang asing dijabarkan ke dalam Rupiah of reporting period, foreign currency monetary
menggunakan kurs penutup, yaitu kurs spot items are translated to Rupiah using the
Reuters pada pukul 16.00 WIB pada closing rate, i.e Reuters spot rate at 16.00 WIB
31 Desember 2023 dan 2022 sebagai berikut: on December 31, 2023 and 2022 as follows:
2023 2022
Rp*) Rp*)
1 Euro (EUR) 17,038 16,582 1 Euro (EUR)
1 Dolar Amerika Serikat (USD) 15,397 15,568 1 United States Dollar (USD)
1 Dolar Singapura (SGD) 11,676 11,593 1 Singapore Dollar (SGD)
1 Dolar Australia (AUD) 10,521 10,558 1 Australia Dollar (AUD)
1 Yuan China (CNY) 2,170 2,239 1 China Yuan (CNY)
1 Dolar Hongkong (HKD) 1,971 1,997 1 Dollar Hongkong (HKD)
1 Yen Jepang (JPY) 109 118 1 Japan Yen (JPY)
1 Won Korea (KRW) 12 12 1 Korea Won (KRW)
*) nilai penuh *) full amount
12
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Aset dan liabilitas nonmoneter yang diukur Nonmonetary assets and liabilities in a foreign
berdasarkan nilai wajar dijabarkan ke dalam currency that are measured at fair value are
Rupiah menggunakan kurs pada tanggal nilai translated into Rupiah using the exchange
wajar ditentukan. rates at the date when the fair value was
determined.
Keuntungan atau kerugian selisih kurs yang Exchange gains or losses arising on
timbul dari transaksi dalam mata uang asing transactions in foreign currency and on the
dan dari penjabaran aset dan liabilitas moneter translation of foreign currency monetary assets
dalam mata uang asing diakui sebagai and liabilities are recognized as profit or loss.
laba/rugi.
2.d. Pernyataan dan interpretasi standar 2.d. New and revised statements and
akuntansi baru dan revisi yang berlaku interpretation of financial accounting
efektif pada tahun berjalan standards effective in the current year
Berikut amendemen dan penyesuaian atas The following are amendments and
standar yang berlaku efektif untuk periode improvements to standards which effective for
yang dimulai pada atau setelah 1 Januari periods beginning on or after January 1, 2023,
2023, dengan penerapan dini diperkenankan with early adoption is permitted, are as follows:
yaitu:
• Amendemen PSAK 1: Penyajian Laporan • Amendment to PSAK 1: Presentation of
Keuangan tentang Pengungkapan Financial Statements regarding Disclosure
Kebijakan Akuntansi; of Accounting Policies;
• Amendemen PSAK 16: Aset Tetap: Hasil • Amendment PSAKs 16: Property, Plant
Sebelum Penggunaan yang Diintensikan; and Equipment: Proceeds before Intended
Use;
• Amendemen PSAK 25: Kebijakan • Amendment to PSAK 25: Accounting
Akuntansi, Perubahan Estimasi Akuntansi Policies, Changes in Accounting Estimates
dan Kesalahan tentang Definisi Estimasi and Errors regarding Definition of
Akuntansi; Accounting Estimates;
• Amendemen PSAK 46: Pajak • Amendment to PSAK 46: Income Tax
Penghasilan tentang Pajak Tangguhan regarding Asset-Related Deferred Tax and
Terkait Aset dan Liabilitas Yang Timbul Liabilities Arising From a Single
Dari Transaksi Tunggal; dan Transaction; and
• Revisi PSAK 107: Akuntansi Ijarah. • Revised PSAK 107: Accounting for Ijara.
Implementasi standar-standar tersebut tidak The implementation of the above standards
memiliki dampak yang material terhadap had no material effect on the amounts reported
jumlah yang dilaporkan di periode berjalan for the current period or prior financial period.
atau periode sebelumnya.
2.e. Aset Keuangan dan Liabilitas Keuangan 2.e. Financial Assets and Financial Liabilities
Aset keuangan Bank terdiri dari kas, giro pada The Bank's financial assets consist of cash,
Bank Indonesia, giro pada bank lain, current accounts with Bank Indonesia, current
penempatan pada Bank Indonesia dan bank accounts with other banks, placements with
lain, efek-efek, tagihan atas efek-efek yang Bank Indonesia and other banks, marketable
dibeli dengan janji dijual kembali, tagihan securities, receivable marketable securities
akseptasi, tagihan derivatif, kredit yang purchased under resale agreements,
diberikan, dan aset lain-lain (seperti acceptances receivable, derivatives
pendapatan yang masih akan diterima dan receivables, loans, and other assets (eg.
tagihan terkait dengan transaksi ATM). accrued income and receivables relating to
ATM transaction).
13
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Liabilitas keuangan Bank terdiri dari simpanan The Bank financial liabilities consist of deposits
nasabah, simpanan dari bank lain, liabilitas from customers, deposits from other banks,
atas efek-efek yang dijual dengan janji dibeli liabilities from marketable securities sold under
kembali, liabilitas akseptasi, liabilitas derivatif, agreements to repurchase, acceptances
dan liabilitas lain-lain (seperti akrual beban payable, derivatives liabilities, and other
bunga, liabilitas terkait dengan transaksi ATM, liabilities (eg. accrued interest expenses,
dan sebagian dari liabilitas lainnya). liabilities relating to ATM transaction, and part
of other liabilities).
Klasifikasi Classification
Bank mengklasifikasikan aset keuangannya The Bank classifies its financial assets
berdasarkan kategori sebagai berikut pada according to the following categories at initial
saat pengakuan awal: recognition:
1. Aset keuangan yang diukur pada nilai 1. Financial assets measured at fair value
wajar melalui laba rugi; through profit or loss;
2. Aset keuangan yang diukur pada nilai 2. Financial assets measured at fair value
wajar melalui penghasilan komprehensif through other comprehensive income; and
lain; dan
3. Aset keuangan yang diukur pada biaya 3. Financial assets measured at amortized
perolehan diamortisasi. cost.
Bank melakukan pengujian karakteristik arus The Bank assess the contractual cash flow
kas kontraktual dari aset keuangan yang characteristics of financial assets to determine
dikelola untuk mengetahui karakteristik arus the characteristics of contractual cash flows
kas kontraktual berasal hanya dari only from the payment of principal and
pembayaran pokok dan bunga dari jumlah interest from the outstanding principal (Solely
pokok terutang (Solely Payment of Principal Payment of Principal and Interest or Pass
and Interest atau Pass SPPI) yang konsisten SPPI) that is consistent with basic lending
dengan pengaturan pinjaman dasar (Basic agreement.
Lending Agreement).
Dalam melakukan penilaian, Bank In making the assessment,
mempertimbangkan: the Bank considers:
• Imbalan untuk nilai waktu dari uang; • The time value of money element of
interest;
• Leverage; • Leverage;
• Variabilitas pada waktu dan jumlah arus • Variability in timing or amount of cash
kas; flows;
• Instrumen yang terkait secara kontraktual; • Contractually linked instruments;
• Pembayaran dipercepat; dan • Early repayment; and
• Ketentuan kontrak tidak sah dan de • Non-genuine features and de minimis.
minimis.
14
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Aset keuangan diukur pada biaya perolehan Financial assets are measured at amortized
diamortisasi jika kedua kondisi berikut cost if both of the following conditions are met:
terpenuhi:
• Aset keuangan yang dikelola dalam • Financial assets are managed where the
model bisnis yang bertujuan untuk business model objectives in order to
memiliki aset keuangan dalam rangka collect the contractual cash flows; and
mendapatkan arus kas kontraktual; dan
• Arus kas kontraktual tersebut • The contractual cash flows are solely
semata-mata dari pembayaran pokok dan payments of principal and interest (SPPI).
bunga (SPPI).
Aset keuangan diukur pada nilai wajar melalui Financial assets are measured at fair value
penghasilan komprehensif lain (FVTOCI) jika through other comprehensive income
kedua kondisi berikut: (FVTOCI) if both of the following conditions are
met:
• Aset keuangan yang dikelola untuk • Financial assets are managed to collect
mendapatkan arus kas kontraktual dan the contractual cash flows and sell the
menjual aset keuangan; dan assets; and
• Arus kas kontraktual tersebut • The contractual cash flows are solely
semata-mata dari pembayaran pokok dan payments of principal and interest (SPPI).
bunga (SPPI).
Aset keuangan diklasifikasikan pada nilai wajar Financial assets are measured at fair value
melalui laba rugi (FVTPL) jika tidak memenuhi through profit or loss (FVTPL) if do not meet
kondisi yang disyaratkan untuk diukur pada the conditions required to be measured at
biaya perolehan diamortisasi atau nilai wajar amortized cost or fair value through other
melalui penghasilan komprehensif lain. comprehensive income.
Pada saat pengakuan awal, Bank dapat At initial recognition, the Bank may make an
membuat pilihan yang tidak dapat dibatalkan irrevocable choice to present equity
untuk menyajikan instrumen ekuitas yang instruments that are not held for trading at fair
bukan dimiliki untuk diperdagangkan pada nilai value through other comprehensive income.
wajar melalui penghasilan komprehensif lain.
Liabilitas keuangan diklasifikasikan ke dalam Financial liabilities are classified into the
kategori sebagai berikut pada saat pengakuan following categories at initial recognition:
awal:
1. Liabilitas keuangan yang diukur pada nilai 1. Financial liabilities at fair value through profit
wajar melalui laba rugi, yang memiliki or loss, which has 2 (two) sub-
2 (dua) subklasifikasi yaitu liabilitas classifications, i.e. those designated as such
keuangan yang ditetapkan demikian pada upon initial recognition and those classified
saat pengakuan awal dan diklasifikasikan as held for trading;
dalam kelompok diperdagangkan;
2. Liabilitas keuangan lain. Liabilitas 3. 2. Other financial liabilities. Other financial
keuangan lainnya merupakan liabilitas liabilities pertain to financial liabilities that
keuangan yang tidak dimiliki untuk dijual are not held for trading nor designated as at
atau ditentukan sebagai nilai wajar melalui fair value through profit or loss upon
laba rugi saat pengakuan liabilitas. recognition of the liability.
15
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Golongan
Kategori yang berdasarkan PSAK 71/ (ditentukan oleh Bank)/ Subgolongan/
Category based on SFAS 71 Class Subclasses
(as determined by the Bank)
Kas/Cash
Giro pada Bank Indonesia/Current accounts with Bank Indonesia
Giro pada bank lain/Current accounts with other banks
Penempatan pada Bank Indonesia dan bank lain/Placements with Bank
Indonesia and other banks
Efek-efek/Marketable securities
Tagihan atas efek-efek yang dibeli dengan janji dijual
kembali/Receivable from securities purchased under resale agreement
Aset keuangan pada biaya perolehan
diamortisasi/ Tagihan Akseptasi/Acceptance Receivable
Financial assets at amortized cost
Kredit yang diberikan dan piutang/Loan and receivables
Pendapatan yang masih akan
Aset keuangan/
diterima/Accrued Interest Income
Financial assets
Aset lain-lain/Other Assets
Tagihan terkait dengan transaksi
ATM/Receivables relating to ATM
transaction
Uang jaminan/Security deposits
Aset keuangan pada nilai wajar melalui laba
Tagihan derivatif - Tidak terkait lindung nilai/
rugi/
Derivatives receivables - Non hedging related
Financial assets at fair value through other
Efek-efek/Marketable securities
profit or loss
Aset keuangan pada nilai wajar melalui
Obiligasi/Bonds
penghasilan komprehensif lain/
Efek-efek/Marketable securities Surat Utang Jangka
Fi nancial assets at fair value through other
Menengah/Medium Term Notes
comprehensive income
Simpanan nasabah/Deposits from customers
Simpanan dari bank lain/Deposits from other banks
Liabilitas atas efek-efek yang dijual dengan janji dibeli kembali/Liabilities
from securities sold with agreements to repurchase
Liabilitas keuangan yang diukur dengan biaya
Liabilitas akseptasi/Acceptance payables
perolehan diamortisasi/
Financial liabilities at amortized cost Akrual bunga/Accrued interest
Liabilitas keuangan/ payable
Financial liabilities Liabilitas terkait dengan transaksi
Liabilitas lain-lain/Other liabilities
ATM/Liabilities relating to ATM
transaction
Lain-lain/Others
Liabilitas keuangan pada nilai wajar melalui laba
rugi/ Liabilitas derivatif - Tidak terkait lindung nilai/
Financial liabilities at fair value through other Derivative payables - Non hedging related
profit or loss
Fasilitas kredit kepada nasabah yang belum ditarik/Unused loans facilities granted
Rekening Administratif/
Bank garansi yang diberikan/Bank guarantees issued
Off Balance Sheet
Letter of credit yang tidak dapat dibatalkan/Irrevocable letter of credit
Pengakuan Awal dan Pengukuran Initial Recognition and Subsequent
Selanjutnya Measurement
Aset dan liabilitas keuangan pada awalnya Financial assets and liabilities are initially
diukur pada nilai wajarnya. Dalam hal aset recognized at fair value. For those financial
keuangan atau liabilitas keuangan tidak diukur assets and liabilities not measured at fair value
pada nilai wajar melalui laporan laba rugi, nilai through profit and loss, plus directly
wajar tersebut ditambah biaya transaksi yang attributable transaction costs. The subsequent
dapat diatribusikan secara langsung. measurement of financial assets and liabilities
Pengukuran aset keuangan dan liabilitas depends on their classification.
keuangan setelah pengakuan awal tergantung
pada klasifikasinya.
Biaya transaksi hanya meliputi biaya-biaya Transaction costs only include costs that are
yang dapat diatribusikan secara langsung directly attributable to the acquisition of a
untuk perolehan suatu aset keuangan atau financial asset or issuance of a financial liability
penerbitan suatu liabilitas keuangan dan and an additional charge that would not occur
16
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
merupakan biaya tambahan yang tidak akan if the instrument is not acquired or issued. For
terjadi apabila instrumen keuangan tersebut financial assets, transaction costs are added to
tidak diperoleh atau diterbitkan. Untuk aset the amount recognized in the initial recognition
keuangan, biaya transaksi ditambahkan pada of the asset, while for financial liabilities,
jumlah yang diakui pada awal pengakuan aset, transaction costs are deducted from the
sedangkan untuk liabilitas keuangan, biaya amount of debt recognized on initial
transaksi dikurangkan dari jumlah utang yang recognition of a liability. The transaction costs
diakui pada pengakuan awal liabilitas. Biaya are amortized over the terms of the instrument
transaksi tersebut diamortisasi selama umur based on the effective interest rate method and
instrumen berdasarkan metode suku bunga recorded as part of interest income for
efektif dan dicatat sebagai bagian dari transaction costs related to the financial asset
pendapatan bunga untuk biaya transaksi or as part of interest expense for transaction
sehubungan dengan aset keuangan atau costs related to financial liabilities.
sebagai bagian dari beban bunga untuk biaya
transaksi sehubungan dengan liabilitas
keuangan.
Liabilitas keuangan pada awalnya diukur pada Financial liabilities are initially measured at (i)
(i) liabilitas keuangan yang diukur pada nilai financial liabilities at fair value through profit or
wajar melalui laba rugi dan (ii) liabilitas loss and (ii) financial liabilities at amortized
keuangan yang diukur dengan biaya perolehan cost.
diamortisasi.
(i) Liabilitas keuangan yang diukur pada (i) Financial liabilities at fair value through
nilai wajar melalui laba rugi. profit or loss.
Kategori ini terdiri dari dua This category consists of two sub-
subkategori: liabilitas keuangan categories: financial liabilities classified as
diklasifikasikan sebagai diperdagangkan trading and financial liabilities which at
dan liabilitas keuangan yang pada saat initial recognition were designated at fair
pengakuan awal telah ditetapkan diukur value through profit or loss.
pada nilai wajar melalui laba rugi.
(ii) Liabilitas keuangan diukur dengan biaya (ii) Financial liabilities are measured at
perolehan diamortisasi, kecuali: amortized cost, except:
a) Liabilitas keuangan yang diukur pada a) Financial liabilities at fair value through
nilai wajar melalui laba rugi. profit or loss.
b) Liabilitas keuangan yang timbul b) Financial liabilities that arise when a
ketika pengalihan aset keuangan transfer of a financial asset does not
tidak memenuhi syarat penghentian qualify for derecognition or when the
pengakuan atau ketika pendekatan continuing involvement approach is
keterlibatan berkelanjutan applied.
diterapkan.
c) Kontrak jaminan keuangan. c) Financial guarantee contracts.
d) Komitmen untuk menyediakan d) Commitment to provide loans at below
pinjaman dengan suku bunga di market interest rates.
bawah pasar.
Imbalan kontinjensi yang diakui oleh pihak Contingent consideration recognized by the
pengakuisisi dalam kombinasi bisnis. acquirer in the business combination.
Setelah pengakuan awal, Bank mengukur aset After initial recognition, the Bank measures
keuangan, sesuai dengan klasifikasi aset financial assets, according to the classification
keuangan pada (i) Biaya perolehan of financial assets at (i) Amortized cost; (ii) Fair
diamortisasi; (ii) Nilai wajar melalui value through other comprehensive income; or
penghasilan komprehensif lain; atau (iii) Nilai (iii) Fair value through profit or loss.
wajar melalui laba rugi.
17
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
(i) Aset keuangan pada biaya perolehan (ii)(i) Financial assets at amortized cost
diamortisasi
Aset keuangan pada biaya perolehan Financial assets at amortized cost are
diamortisasi diukur dengan measured by adding up the financial
menjumlahkan aset keuangan yang assets measured at initial recognition
diukur saat pengakuan awal dikurangi minus principal payments, added or
pembayaran pokok, ditambah atau reduced by cumulative amortization using
dikurangi dengan amortisasi kumulatif the effective interest method calculated
menggunakan metode bunga efektif yang from the difference between the initial
dihitung dari selisih antara nilai awal dan value and the maturity value and adjusted
nilai jatuh temponya dan disesuaikan for the allowance for losses.
dengan penyisihan kerugiannya.
Keuntungan atau kerugian akibat fluktuasi Gains or losses due to fluctuations in fair
nilai wajar tidak diakui aset keuangan value are not recognized financial assets
pada biaya perolehan diamortisasi. at amortized cost.
Pendapatan bunga dihitung Interest income is calculated using
menggunakan metode bunga efektif yaitu the effective interest method by applying
dengan menerapkan suku bunga efektif an effective interest rate to the gross
atas jumlah tercatat bruto aset keuangan, carrying amount of financial assets, except
kecuali untuk: for:
a) Aset keuangan yang dibeli atau yang a) Financial assets purchased or
berasal dari aset keuangan originating from financial assets
memburuk. Untuk aset keuangan deteriorate. For these financial
tersebut, bank menerapkan suku assets, the bank applies an effective
bunga efektif yang disesuaikan interest rate adjusted by credit for the
dengan kredit atas biaya perolehan amortized cost of the financial assets
diamortisasi aset keuangan sejak from initial recognition.
pengakuan awal.
b) Aset keuangan yang tidak dibeli atau b) Financial assets that are not
yang berasal dari aset keuangan purchased or that originate from
memburuk tetapi selanjutnya financial assets deteriorate but
menjadi aset keuangan memburuk. subsequently become financial assets
Untuk aset keuangan tersebut, Bank deteriorate. For these financial
menerapkan suku bunga efektif atas assets, the Bank applies an effective
biaya perolehan diamortisasi aset interest rate on the amortized cost of
keuangan di periode pelaporan the financial assets in the next
selanjutnya. reporting period.
Bank dalam suatu periode pelaporan The Bank in a reporting period calculates
menghitung pendapatan bunga dengan interest income by applying the effective
menerapkan metode bunga efektif atas interest method on the acquisition cost of
biaya perolehan diamortisasi aset amortized financial assets, in the next
keuangan, pada periode pelaporan reporting period, calculating interest
selanjutnya, menghitung pendapatan income by applying an effective interest
bunga dengan menerapkan suku bunga rate on the gross carrying amount if the
efektif atas jumlah tercatat bruto jika risiko credit risk of the financial instrument
kredit instrumen keuangan tersebut improves so that the financial assets no
membaik sehingga aset keuangan tidak longer experience Impairment of credit
lagi mengalami penurunan nilai kredit dan value and improvement can be objectively
perbaikan tersebut secara objektif dapat related to an event that occurs after the
dikaitkan dengan suatu peristiwa yang requirements listed in point (b) of the
terjadi setelah persyaratan yang above paragraph are applied (for example
tercantum dalam poin (b) paragraf di atas an improvement in the borrower's credit
diterapkan (misalnya perbaikan peringkat rating).
kredit peminjam).
18
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
(ii) Aset keuangan pada nilai wajar melalui (iii)(ii) Financial assets at fair value through
penghasilan komprehensif lain other comprehensive income
Keuntungan atau kerugian aset keuangan Gains or losses of financial assets
yang diukur pada nilai wajar melalui measured at fair value through other
penghasilan komprehensif lain diakui comprehensive income are recognized in
dalam penghasilan komprehensif lain other comprehensive income until the
sampai aset keuangan dihentikan financial assets are derecognized or
pengakuannya atau direklasifikasi, reclassified, except:
kecuali:
a. Bunga yang dihitung menggunakan a. Interest calculated using the effective
metode bunga efektif diakui dalam interest method is recognized in profit
laba rugi, jumlah yang diakui dalam or loss, the amount recognized in profit
laba rugi sama dengan jumlah yang or loss is equal to the amount to be
akan diakui dalam laba rugi jika aset recognized in profit or loss if the
keuangan diukur pada biaya financial asset is measured at
perolehan diamortisasi; amortized cost;
b. Keuntungan atau kerugian penurunan b. Impairment gains or losses; or
nilai; atau
c. Keuntungan atau kerugian selisih c. Foreign exchange gains or losses.
kurs.
Ketika aset keuangan dihentikan When a financial asset is derecognized,
pengakuannya, keuntungan atau the cumulative gain or loss previously
kerugian kumulatif yang telah diakui recognized in other comprehensive
sebelumnya dalam penghasilan income is reclassified from equity to profit
komprehensif lain direklasifikasi dari or loss as a reclassification adjustment.
ekuitas ke laba rugi sebagai penyesuaian
reklasifikasi.
Khusus untuk aset keuangan berbentuk Specifically for financial assets in the form
instrumen ekuitas, jumlah yang disajikan of equity instruments, the amounts
pada penghasilan komprehensif lainnya presented in other comprehensive income
tidak selanjutnya dialihkan ke laba rugi. are not subsequently transferred to profit
Akan tetapi, Bank dapat mengalihkan or loss. However, the Bank can transfer
keuntungan atau kerugian kumulatif pada cumulative gains or losses on equity.
ekuitas.
Sesuai dengan paragraf sebelumnya, jika In accordance with the previous
aset keuangan diukur pada nilai wajar paragraph, if a financial asset is measured
melalui penghasilan komprehensif lain, at fair value through other comprehensive
jumlah yang diakui dalam laba rugi sama income, the amount recognized in profit or
dengan jumlah yang akan diakui dalam loss is the same as the amount to be
laba rugi jika aset keuangan diukur pada recognized in profit or loss if the financial
biaya perolehan diamortisasi. asset is measured at amortized cost.
(iii) Aset keuangan pada nilai wajar melalui (iii) Financial assets at fair value through
laba rugi profit or loss
Aset dinilai pada nilai wajar. Seluruh Assets are valued at fair value. All gains
keuntungan dan kerugian yang timbul and losses arising from changes in fair
akibat perubahan nilai wajar diakui pada value are recognized in profit or loss,
laporan laba rugi, kecuali instrumen except for hedging instruments that
lindung nilai yang ditetapkan ke dalam are designated in certain hedging
hubungan lindung nilai tertentu. relationships.
19
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Bank menerapkan persyaratan penurunan The Bank applies an impairment requirement
nilai untuk aset keuangan yang diukur pada for financial assets measured at amortized
biaya perolehan diamortisasi dan aset cost and financial assets in the form of debt
keuangan dalam bentuk instrumen utang instruments that are measured at fair value
yang diukur pada nilai wajar melalui through other comprehensive income.
penghasilan komprehensif lain.
Investasi dalam instrumen ekuitas yang tidak Investment in equity instruments that do not
memiliki harga kuotasian di pasar aktif dan have a quoted market price in an active
nilai wajarnya tidak dapat diukur secara andal market and whose fair value cannot be reliably
diukur pada biaya perolehan. measured are measured at cost.
Setelah pengakuan awal, Bank mengukur After initial recognition, the Bank measures
liabilitas keuangan, sesuai dengan klasifikasi financial liabilities, according to the
aset keuangan pada: (i) Biaya perolehan classification of financial assets at:
diamortisasi; atau (ii) Nilai wajar melalui laba (i) Amortized cost; or (ii) Fair value through
rugi. profit or loss.
Untuk liabilitas keuangan yang diukur pada For financial liabilities measured at profit or
laba rugi, keuntungan dan kerugian diakui loss, gains and losses are recognized in profit
pada laba rugi. Terdapat pengecualian pada or loss. There are exceptions in the case of
kasus liabilitas keuangan ditetapkan sebagai financial liabilities designated as FVTPL where
FVTPL dimana perubahan risiko kredit changes in credit liability risks are recognized
liabilitas diakui pada penghasilan in other comprehensive income with other
komprehensif lain dengan keuntungan dan gains and losses recognized in profit or loss.
kerugian lainnya diakui pada laba rugi.
Setelah pengakuan awal, liabilitas keuangan After initial recognition, financial liabilities at
yang diukur pada FVTPL diukur pada nilai FVTPL are measured at its fair value. Gains or
wajarnya. Keuntungan atau kerugian yang losses arising from a change in the fair value
timbul dari perubahan nilai wajar diakui dalam are recognized in profit or loss.
laba rugi.
Penghentian Pengakuan Aset dan Liabilitas Derecognition of Financial Assets and
Keuangan Financial Liabilities
Bank menghentikan pengakuan aset The Bank derecognizes a financial asset
keuangan, jika dan hanya jika hak kontraktual when, and only when the contractual rights
atas arus kas yang berasal dari aset keuangan to the cash flows from the financial asset
berakhir atau Bank mengalihkan hak expires or the Bank transfers the contractual
kontraktual untuk menerima kas yang berasal rights to receive the cash flows of the
dari aset keuangan atau tetap memiliki hak financial asset or retains the contractual rights
kontraktual untuk menerima kas tetapi juga to receive the cash flows but assumes a
menanggung kewajiban kontraktual untuk contractual obligation to pay the cash flows to
membayar arus kas yang diterima tersebut one or more recipients in an arrangement. If
kepada satu atau lebih pihak penerima melalui the Bank transfers substantially all the risks
suatu kesepakatan. Jika Bank secara and rewards of ownership of the financial
substansial mengalihkan seluruh risiko dan asset, the Bank derecognizes the financial
manfaat atas kepemilikan aset keuangan, asset and recognize separately as asset or
maka Bank menghentikan pengakuan aset liabilities any rights and obligation created or
keuangan dan mengakui secara terpisah retained in the transfer.
sebagai aset atau liabilitas untuk setiap hak
dan kewajiban yang timbul atau yang masih
dimiliki dalam pengalihan tersebut.
20
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Jika Bank secara substansial tidak If the Bank neither transfers nor retains
mengalihkan dan tidak memiliki seluruh risiko substantially all the risks and rewards of
dan manfaat atas kepemilikan aset keuangan ownership of the financial asset and has
tersebut dan masih memiliki pengendalian, retained control, the Bank continues to
maka Bank mengakui aset keuangan sebesar recognize the financial asset to the extent of
keterlibatan berkelanjutan dengan aset its continuing involvement in the financial
keuangan tersebut. Jika Bank secara asset. If the Bank retains substantially all
substansial masih memiliki seluruh risiko dan the risks and rewards of ownership of the
manfaat atas kepemilikan aset keuangan, financial asset, the Bank continues to
maka Bank tetap mengakui aset keuangan recognize the financial asset.
tersebut.
Bank menghentikan pengakuan liabilitas The Bank derecognizes a financial liability from
keuangan, jika dan hanya jika, liabilitas its statement of financial position when, and
keuangan tersebut berakhir, yaitu ketika only when, it is extinguished, i.e. when the
kewajiban yang ditetapkan dalam kontrak obligation specified in the contract is
dilepaskan atau dibatalkan atau kedaluwarsa. discharged or cancelled or expires.
Penurunan Nilai Aset Keuangan Impairment of Financial Assets
Ruang Lingkup Penurunan Nilai Scope of Impairment
Bank mengakui penyisihan kerugian untuk The Bank recognizes an allowance for possible
kerugian kredit ekspektasian pada: losses for expected credit losses on:
i. Aset keuangan yang diukur pada biaya i. Financial assets measured at amortized
perolehan diamortisasi sesuai persyaratan cost according to PSAK 71 requirements;
PSAK 71;
ii. Aset keuangan yang diukur pada nilai wajar ii. Financial assets that are measured at fair
melalui penghasilan komprehensif lain value through other comprehensive income
sesuai persyaratan PSAK 71. in accordance with the requirements of
PSAK 71.
Bank menerapkan persyaratan penurunan nilai The Bank applies impairment requirements for
untuk pengakuan dan pengukuran penyisihan the recognition and measurement of allowance
kerugian untuk aset keuangan yang diukur for losses for financial assets that are
pada nilai wajar melalui penghasilan measured at fair value through other
komprehensif lain. Akan tetapi, penyisihan comprehensive income. However, allowance
kerugian diakui dalam penghasilan for losses is recognized in other
komprehensif lainnya dan tidak mengurangi comprehensive income and does not reduce
jumlah tercatat aset keuangan dalam laporan the carrying amount of financial assets in the
posisi keuangan. statement of financial position.
i. Piutang sewa; i. Rental receivables;
ii. Aset kontrak; ii. Contract assets;
iii. Komitmen pinjaman yang tidak diukur iii. Loan commitments not measured at
pada FVTPL; dan FVTPL; and
iv. Kontrak jaminan keuangan yang iv. A financial guarantee contract that applies
menerapkan persyaratan penurunan nilai an impairment requirement in accordance
sesuai PSAK 71. with PSAK 71.
Bank mengukur kerugian kredit ekspektasian The Bank measures the expected credit loss of
dari instrumen keuangan dalam suatu cara a financial instrument in a way that reflects:
yang mencerminkan:
(i) Jumlah yang tidak bias dan rata-rata (i) An unbiased amount and weighted
probabilitas tertimbang yang ditentukan average probability determined by
dengan mengevaluasi serangkaian evaluating a set of possibilities that can
kemungkinan yang dapat terjadi; occur;
(ii) Nilai waktu uang; dan (ii) Time value of money; and
(iii) Informasi yang wajar dan terdukung (iii) Reasonable and supported information
yang tersedia tanpa biaya atau upaya that is available without cost or excessive
21
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
berlebihan pada tanggal pelaporan effort at the reporting date regarding past
mengenai peristiwa masa lalu, kondisi events, present conditions, and estimates
kini, dan perkiraan kondisi ekonomi of future economic conditions.
masa depan.
Tujuan dari persyaratan penurunan nilai The purpose of the impairment requirements is
adalah untuk mengakui kerugian kredit to recognize expected credit losses over the
ekspektasian sepanjang umurnya atas semua life of all financial instruments that have
instrumen keuangan yang telah mengalami experienced a significant increase in credit risk
peningkatan risiko kredit secara since initial recognition - whether assessed
signifikan sejak pengakuan awal baik individually or collectively - taking into account
dinilai secara individu atau kolektif - dengan all reasonable and supported information,
mempertimbangkan semua informasi yang including information that is estimated future
wajar dan terdukung, termasuk informasi yang (forward-looking).
bersifat perkiraan masa depan
(forward-looking).
Jika pada tanggal pelaporan, risiko kredit atas If at the reporting date, the credit risk of the
instrumen keuangan tidak meningkat secara financial instrument has not increased
signifikan sejak pengakuan awal, Bank significantly since initial recognition, the Bank
mengukur penyisihan kerugian untuk measures the allowance for losses for the
instrumen keuangan tersebut sejumlah financial instrument in the amount of the
kerugian kredit ekspektasian 12 bulan. expected 12 months credit loss.
Untuk aset keuangan yang risiko kreditnya For financial assets whose credit risk has
telah meningkat secara signifikan sejak increased significantly since initial recognition,
pengakuan awal, Bank melakukan perhitungan the Bank calculates the discount rate for the
bunga diskonto untuk tujuan penurunan nilai purpose of impairment based on the gross
berdasarkan nilai tercatat bruto. carrying amount.
Selanjutnya, Bank mengelompokkan aset Furthermore, the Bank groups financial assets
keuangan berdasarkan hasil evaluasi tersebut based on the results of these evaluations that
yang mencerminkan tingkat risiko kredit aset reflect the level of credit risk of financial assets.
keuangan.
Stage 1 Stage 1
Pada tanggal evaluasi penurunan nilai, risiko At the evaluation date of impairment, credit risk
kredit atas instrumen keuangan tidak on financial instruments has not increased
meningkat secara signifikan sejak pengakuan significantly since initial recognition which can
awal yang dapat dibuktikan dengan terjadinya be proven by the following:
seluruh hal berikut, yaitu:
i. Tidak terdapat tunggakan lebih dari i. No arrears for more than 30 days;
30 hari;
ii. Instrumen keuangan memiliki peringkat ii. Financial instruments have a collectibility
kolektibilitas 1 atau 2. rating of 1 or 2.
Atas hal tersebut, Bank akan mengukur For this reason, the Bank will measure
penyisihan kerugian untuk instrumen allowance for possible losses for these
keuangan tersebut sejumlah kerugian kredit financial instruments in the amount of the
ekspektasian 12 bulan. expected 12-month credit loss.
Stage 2 Stage 2
Pada tanggal evaluasi, risiko kredit atas At the evaluation date, credit risk on financial
instrumen keuangan telah meningkat secara instruments has increased significantly since
signifikan sejak pengakuan awal yang dapat initial recognition which can be proven by the
dibuktikan dengan terjadinya salah satu dari occurrence of one of the following:
hal berikut:
22
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
(i) Terdapat tunggakan antara 31 hari (i) There are arrears between 31 days and 90
sampai dengan 90 hari; days;
(ii) Instrumen keuangan memiliki peringkat (ii) Financial instruments have a collectibility
kolektibilitas 2. rating of 2.
Pada stage ini, Bank akan mengukur At this stage, the Bank will measure the
penyisihan kerugian untuk instrumen allowance for possible losses for these
keuangan tersebut sejumlah kerugian kredit financial instruments in the amount of expected
ekspektasian sepanjang umurnya. credit losses over their lifetime.
Stage 3 (Default) Stage 3 (Default)
Pada tanggal evaluasi, terdapat bukti objektif At the evaluation date, there is objective
bahwa aset keuangan mengalami penurunan evidence that the financial asset is impaired
nilai yang dapat dibuktikan dengan terjadinya which can be proven by the occurrence of one
salah satu dari 2 (dua) hal berikut, yaitu: of the following 2 (two) things, namely:
(i) Terdapat tunggakan lebih dari 90 hari; (i) There are arrears of more than 90 days;
(ii) Instrumen keuangan memiliki peringkat (ii) Financial instruments have a collectibility
kolektibilitas 3, 4, atau 5. rating of 3, 4 or 5.
Bank akan mengukur penyisihan kerugian The Bank will measure the allowance for
untuk instrumen keuangan pada stage ini losses for financial instruments at this stage
sejumlah kerugian kredit ekspektasian the amount of expected credit losses over its
sepanjang umurnya. lifetime.
Bank pertama kali menentukan apakah The Bank first assesses whether objective
terdapat bukti objektif penurunan nilai secara evidence of impairment exists individually for
individual atas aset keuangan yang signifikan financial assets that are individually significant,
secara individual, dan secara kolektif untuk and collectively for financial assets that are not
aset keuangan yang tidak signifikan secara individually significant.
individual.
Jika Bank menentukan tidak terdapat bukti If the Bank determines that no objective
objektif mengenai penurunan nilai atas aset evidence of impairment exists for an
keuangan yang dinilai secara individual, individually assessed financial asset, whether
terlepas signifikan atau tidak, maka Bank significant or not, it includes the asset in a
memasukkan aset tersebut ke dalam kelompok group of financial assets with similar credit risk
aset keuangan yang memiliki karakteristik characteristics and collectively assesses them
risiko pinjaman yang serupa dan menilai for impairment. Financial assets that are
penurunan nilai kelompok tersebut secara individually assessed for impairment and for
kolektif. Aset keuangan yang penurunan which an impairment loss is or continues to be
nilainya dilakukan secara individual, dan untuk recognized are not included in a collective
itu kerugian penurunan nilai telah diakui atau assessment of impairment.
tetap diakui, tidak termasuk dalam penilaian
penurunan nilai secara kolektif.
Aset keuangan yang dicatat berdasarkan Financial assets carried at amortized cost
biaya perolehan diamortisasi
Perhitungan penurunan nilai secara individu Individual impairment calculation
Bank menetapkan pinjaman yang harus The Bank determines that loans should be
dievaluasi penurunan nilainya secara evaluated for impairment individually if one of
individual, jika memenuhi salah satu kriteria di the following criteria is met:
bawah ini:
1. Pinjaman yang secara individual memiliki 1. Loans which individually have significant
nilai signifikan dan memiliki bukti objektif value and objective evidence of impairment;
penurunan nilai;
2. Pinjaman yang direstrukturisasi yang 2. Restructured loans which individually have
secara individual memiliki nilai signifikan. significant value.
23
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Berdasarkan kriteria di atas, Bank melakukan Based on the above criteria, the Bank performs
penilaian secara individual untuk pinjaman individual assessment for corporate and middle
dalam segmen pasar korporasi dan usaha loans with collectibility classification as
menengah dengan kolektibilitas kurang lancar, substandard, doubtful and loss, or restructured
diragukan dan macet, atau pinjaman dalam corporation and middle loans.
segmen pasar korporasi dan menengah yang
direstrukturisasi.
Jumlah kerugian penurunan nilai diukur The amount of impairment loss is measured as
berdasarkan selisih antara nilai tercatat aset the difference between the asset’s carrying
keuangan dengan nilai kini dari estimasi arus amount and the present value of estimated
kas masa datang (tanpa memperhitungkan future cash flows (excluding future credit
kerugian penurunan nilai di masa datang yang losses that have not been incurred) discounted
belum terjadi) yang didiskontokan at the financial asset’s original effective interest
menggunakan tingkat suku bunga efektif awal rate. The carrying amount of the asset is
dari aset keuangan tersebut. Nilai tercatat aset reduced through the use of an allowance for
tersebut dikurangi melalui akun cadangan impairment loss account and the amount of the
kerugian penurunan nilai dan beban kerugian loss is recognized in the profit or loss.
diakui pada laba rugi.
Jika kredit yang diberikan atau aset keuangan If a loan or held-to-maturity financial assets
dimiliki hingga jatuh tempo memiliki suku has a variable interest rate, the discount rate
bunga variabel, maka tingkat diskonto yang for measuring any impairment loss is the
digunakan untuk mengukur setiap kerugian current effective interest rate determined
penurunan nilai adalah suku bunga efektif under the contract.
yang berlaku yang ditetapkan dalam kontrak.
Jika persyaratan kredit yang diberikan, If the terms of the loans, receivables, or
piutang, atau efek-efek yang dimiliki hingga held-to-maturity marketable securities are
jatuh tempo dinegosiasi ulang atau renegotiated or otherwise modified because of
dimodifikasi karena debitur atau penerbit financial difficulties of the borrower or issuer,
mengalami kesulitan keuangan, maka impairment is measured using the original
penurunan nilai diukur dengan suku bunga effective interest rate before the modification of
efektif awal yang digunakan sebelum terms.
persyaratan diubah.
Perhitungan nilai kini dari estimasi arus kas The calculation of the present value of the
masa datang atas aset keuangan dengan estimated future cash flows of a collateralised
agunan mencerminkan arus kas yang dapat financial asset reflects the cash flows that may
dihasilkan dari pengambilalihan agunan result from foreclosure less costs for obtaining
dikurangi biaya-biaya untuk memperoleh dan and selling the collateral, whether or not
menjual agunan, terlepas apakah foreclosure is probable.
pengambilalihan tersebut berpeluang terjadi
atau tidak.
Perhitungan penurunan nilai secara kolektif Collective impairment calculation
Bank menetapkan pinjaman yang harus The Bank determines loans to be evaluated for
dievaluasi penurunan nilainya secara kolektif, impairment through collective evaluation if one
jika memenuhi salah satu kriteria di bawah ini: of the following criteria is met:
1. Pinjaman yang secara individual memiliki 1. Loans which individually have significant
nilai signifikan namun tidak memiliki bukti value but there is no objective evidence of
objektif penurunan nilai; impairment;
2. Pinjaman yang secara individual memiliki 2. Loans which individually have insignificant
nilai tidak signifikan; value;
3. Pinjaman yang direstrukturisasi yang 3. Restructured loans which individually have
secara individual memiliki nilai tidak insignificant value; and
signifikan; dan
24
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
4. Pinjaman dengan nilai signifikan disertai 4. Loans of significant value and with objective
dengan bukti yang objektif mengenai evidence of impairment, but no impairment
penurunan nilai, tetapi tidak terdapat losses were provided.
kerugian penurunan nilai.
Bank mengevaluasi penurunan nilai secara The Bank evaluates the impairment collectively
kolektif apabila aset keuangan memiliki if the financial assets have similarities in the
kesamaan dalam karakteristik risiko aset risk characteristics of financial assets with the
keuangan dengan tujuan untuk memfasilitasi aim of facilitating analyzes designed to enable
analisis yang didesain untuk memungkinkan a significant increase in credit risk to be
peningkatan risiko kredit secara signifikan identified on time.
dapat diidentifikasi tepat waktu.
Evaluasi penurunan nilai secara kolektif Evaluation of impairment collectively is based
didasarkan pada konsep Probability of Default on the concepts of Probability of Default (PD),
(PD), Loss Given Default (LGD), dan Exposure Loss Given Default (LGD), and Exposure at
at Default (EAD) yang mempertimbangkan Default (EAD) which considers past, current,
informasi masa lalu, terkini, dan masa and future information.
mendatang.
Probability of Default (PD) Probability of Default (PD)
Bank menggunakan metode Basel, Vasicek, The bank uses the Basel method, Vasicek,
Roll Rate Transition Matrix, maupun Roll Rate Transition Matrix, and other
pendekatan lainnya dalam menentukan nilai approaches in determining the PD value of
PD dari setiap debitur. each debtor.
Metode Basel dilakukan dengan menentukan The Basel method is carried out by
hubungan antara PD suatu debitur dengan determining the relationship between the PD of
karakteristik internal dari debitur yang a debtor and the internal characteristics of the
bersangkutan. debtor concerned.
Metode Vasicek adalah metode penentuan PD Vasicek method is a method of determining PD
menggunakan formula korelasi aset yang telah using the asset correlation formula determined
ditentukan oleh Basel Committee. by the Basel Committee.
Metode Roll Rate Transition Matrix The Roll Rate Transition Matrix method uses
menggunakan historical transition bucket PD. the historical transition bucket PD. PD buckets
Bucket PD yang digunakan dalam used in historical calculations are as follows:
perhitungan historical adalah sebagai berikut:
(i) Bucket 1: 0 days past due (DPD) (i) Bucket 1: 0 days past due (DPD)
(ii) Bucket 2: 1-30 days past due (DPD) (ii) Bucket 2: 1-30 days past due (DPD)
(iii) Bucket 3: 31-60 DPD (iii) Bucket 3: 31-60 DPD
(iv) Bucket 4: 61-90 DPD (iv) Bucket 4: 61-90 DPD
(v) Bucket 5: >90 DPD (v) Bucket 5: >90 DPD
PD Forward-Looking Macro Adjustment adalah PD Forward-Looking Macro Adjustment is a
metode yang digunakan untuk menentukan method used to determine the value of PD
nilai PD forward looking dari pendekatan baik forward looking from both Basel and Roll Rate
Basel maupun Roll Rate berdasarkan approaches based on the historical
hubungan historis antara makro ekonomi relationship between macroeconomic and PD
dengan nilai PD Bank. Bank values.
Loss Given Default (LGD) Loss Given Default (LGD)
Bank menggunakan metode Basel dan The bank uses the Basel and Historical
Historical dalam menentukan nilai LGD dari methods in determining the LGD value of each
setiap debitur. LGD menggambarkan debtor. LGD describes the nominal percentage
persentase nominal fasilitas yang tidak akan of facilities that the Bank cannot recover from
dapat dipulihkan oleh Bank terhadap debitur default debtors. LGD is usually calculated with
25
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
default. LGD biasa dihitung dengan a 1-Recovery Rate. The recovery rate is
1-Recovery Rate. Recovery rate dihitung calculated taking into account the Time Value
mempertimbangkan Time Value of Money dari of Money of returning defaults. The interest
pengembali kewajiban yang telah default. rate used to calculate the Time Value of
Tingkat suku bunga yang digunakan untuk Money from Recovery is the Effective Interest
menghitung Time Value of Money dari Rate (EIR) value.
Recovery adalah nilai Effective Interest Rate
(EIR).
Model Basel yang telah didapatkan digunakan The Basel model that has been obtained is
sebagai dasar penentuan nilai LGD dari setiap used as a basis for determining the LGD value
debitur. of each debtor.
Metode Historical dilakukan dengan Historical method is done by calculating the
menghitung rata-rata nilai LGD dalam periode average LGD value in the long-term period of
jangka panjang pada segmen yang dimaksud. the intended segment.
Forward-Looking Macro Adjustment pada LGD Forward-Looking Macro Adjustment in LGD is
adalah metode yang digunakan untuk a method used to determine the value of
menentukan nilai LGD forward looking forward-looking LGD based on historical
berdasarkan hubungan historis antara relationships between macroeconomics and
makroekonomi dengan nilai LGD Bank. Bank LGD values.
Jika tidak didapatkan hubungan antara If no relationship is found between
makroekonomi dengan nilai LGD Bank, maka macroeconomics and the Bank's LGD value,
Bank dapat tidak menggunakan Forward- the Bank may not use Forward-Looking in
Looking dalam penentuan nilai LGD. determining the LGD value.
Exposure at Default (EAD) Exposure at Default (EAD)
Dalam menentukan nilai EAD dari setiap In determining the EAD value of each debtor,
debitur, Bank menggunakan metode Basel, the Bank uses the Basel, Prepayment Rate,
Prepayment Rate, dan Expected Lifetime. EAD and Expected Lifetime methods. EAD
menggambarkan exposure yang akan describes the exposure that the Bank will bear
ditanggung Bank jika terdapat debitur yang if there is a default debtor.
default.
Metode Basel dalam perhitungan EAD The Basel method in calculating EAD is done
dilakukan dengan menentukan hubungan by determining the relationship between the
antara EAD suatu debitur dengan karakteristik EAD of a debtor and the internal
internal dari debitur yang bersangkutan. characteristics of the debtor concerned.
Metode Prepayment Rate ialah metode yang Prepayment Rate Method is a method that
mempelajari behaviour dari tingkat studies the behavior of the level of payment of
pembayaran debitur yang lebih besar debtors that is greater than the amount of
dibandingkan dengan besaran pembayaran payment of facilities that have been scheduled.
fasilitas yang telah dijadwalkan.
Metode Expected Lifetime ialah metode yang The Expected Lifetime method is a method
mempelajari behaviour dari tingkat that studies the behavior of the debtor's facility
penyelesaian fasilitas (lunas atau write off) completion level (write off) compared to the
debitur dibandingkan dengan jadwal facility's completion schedule.
penyelesaian fasilitas.
Perhitungan kerugian kredit ekspektasian Calculation of expected credit losses (ECL)
(ECL) sesuai pada masing-masing stage according to each stage according to the
sesuai pada karakteristik staging. Metode staging characteristics. Calculation methods
Perhitungan pada masing-masing stage for each stage are as follows:
adalah sebagai berikut:
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
(i) Stage 1: 0-30 days past due (DPD) (i) Stage 1: 0-30 days past due (DPD)
(ii) Stage 2: 31-90 days past due (DPD) (ii) Stage 2: 31-90 days past due (DPD)
(iii) Stage 3: >90 days past due (DPD) (iii) Stage 3: >90 days past due (DPD)
12-Months ECL adalah perhitungan expected 12-Months ECL is the expected loss
loss yang dihitung secara 1 (satu) tahun calculation which is calculated in the next 1
kedepan. (one) year.
ECL-Lifetime adalah perhitungan expected ECL-Lifetime is an expected loss calculation
loss yang dihitung sesuai dengan sisa tenor which is calculated according to the facility
fasilitas. tenor remaining.
Dalam perhitungan ECL setiap tahun In calculating the ECL every year using a
menggunakan discount factor dengan formula discount factor with the formula that the Bank
yang Bank telah rumuskan. has formulated.
Probability weightage dalam perhitungan Probability weightage in calculating expected
kerugian kredit ekspektasian telah ditentukan credit losses has been determined by the Bank
oleh Bank yang mencakup persentase which includes the percentage of optimistic,
skenario optimis, normal, dan pesimis. normal, and pessimistic scenarios.
Total weightage atas estimasi cashflow The total weightage of the estimated cash flow
dimaksud menjadi pengurang atas nilai is intended to be a deduction from the carrying
tercatat kredit yang dimana selisihnya akan value of the credit which the difference will be
menjadi kerugian kredit ekspektasian kredit. the expected credit loss.
Pengakuan pendapatan bunga Interest income recognition
Sebelum terjadinya penurunan nilai (Stage 1 Before an impairment occurs (Stage 1 and 2),
dan 2), pendapatan bunga dihitung interest income is calculated using the
menggunakan metode bunga efektif yaitu effective interest method, which is by applying
dengan menerapkan suku bunga efektif atas an effective interest rate to the gross carrying
jumlah tercatat bruto aset keuangan kecuali amount of financial assets except for financial
untuk aset keuangan yang dibeli atau yang assets purchased or those from which the
berasal dari aset keuangan memburuk. financial assets deteriorate.
Pendapatan bunga atas aset keuangan yang Interest income on impaired financial assets
mengalami penurunan nilai (Stage 3) (Stage 3) is carried out by applying an
dilakukan dengan menerapkan suku bunga effective interest rate to the net carrying
efektif atas jumlah tercatat neto aset keuangan amount of financial assets, that is, the
yaitu jumlah outstanding setelah dikurangi outstanding amount after deducting losses due
dengan kerugian akibat penurunan nilai untuk to impairment for these financial assets. The
aset keuangan tersebut. Bank menerapkan Bank applies an effective interest rate on
suku bunga efektif atas biaya perolehan amortized acquisition costs from financial
diamortisasi dari aset keuangan di periode assets in the next reporting period, i.e. the
pelaporan selanjutnya, yaitu nilai yang telah reduced value due to impairment.
dikurangi kerugian akibat penurunan nilai.
Pendapatan bunga selanjutnya diakui atas Interest income is subsequently recognized on
dasar suku bunga yang digunakan untuk the basis of the interest rate used to discount
mendiskonto arus kas masa depan dalam future cash flows in the measurement of
pengukuran kerugian penurunan nilai atau impairment losses, or what is called unwinding
yang disebut dengan unwinding interest. interest.
Metode Suku Bunga Efektif The Effective Interest Method
Metode suku bunga efektif adalah metode The effective interest method is a method of
yang digunakan untuk menghitung biaya calculating the amortized cost of a financial
perolehan diamortisasi dari aset atau liabilitas asset or a financial liability (or group of
keuangan (atau kelompok aset atau liabilitas financial assets or financial liabilities) and of
27
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
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 discount estimated future cash
pembayaran atau penerimaan kas masa payments or receipts through the expected life
depan selama perkiraan umur dari instrumen of the financial instrument or, when
keuangan, atau jika lebih tepat, digunakan appropriate, a shorter period to the net
periode yang lebih singkat untuk memperoleh carrying amount of the financial asset or
jumlah tercatat neto dari aset keuangan atau financial liability.
liabilitas keuangan.
Pada saat menghitung suku bunga efektif, When calculating the effective interest rate, the
Bank mengestimasi arus kas dengan Bank estimates cash flows considering all
mempertimbangkan seluruh persyaratan contractual terms of the financial instrument,
kontraktual dalam instrumen keuangan for example, prepayment, call, and similar
tersebut, seperti pelunasan dipercepat, opsi option, but shall not consider future credit
beli, dan opsi serupa lain, tetapi tidak losses.
mempertimbangkan kerugian kredit masa
depan.
Perhitungan ini mencakup seluruh komisi dan The calculation includes all fees and points
bentuk lain yang dibayarkan atau diterima oleh paid or received between parties to the
pihak-pihak dalam kontrak yang merupakan contract that are an integral part of the
bagian tak terpisahkan dari suku bunga efektif, effective interest rate, transaction costs, and
biaya transaksi, dan seluruh premium atau all other premiums or discounts.
diskonto lain.
Estimasi periode antara peristiwa kerugian dan The estimated period between a loss occurring
identifikasinya ditentukan oleh manajemen and its identification is determined by
untuk setiap portofolio yang diidentifikasi. management for each identified portfolio.
Bank pertama kali menentukan apakah Initially the Bank assesses whether objective
terdapat bukti objektif seperti tersebut di atas evidence of impairment for financial asset
mengenai penurunan nilai atas aset keuangan. exists as described above. The individual
Penilaian individual dilakukan atas aset assessment is performed on the significant
keuangan yang signifikan yang mengalami impaired financial asset. The insignificant
penurunan nilai. Aset keuangan yang tidak impaired financial asset included in a group of
signifikan namun mengalami penurunan nilai financial asset with similar credit risk
dimasukkan dalam kelompok aset keuangan characteristics and collectively assessed.
yang memiliki karakteristik risiko yang serupa
dan dilakukan penilaian secara kolektif.
Jika Bank menentukan tidak terdapat bukti If the Bank determined that there is no
objektif mengenai penurunan nilai atas aset objective evidence of impairment in value of
keuangan yang dinilai secara individual, baik financial assets which are assessed on an
aset keuangan tersebut signifikan atau tidak, individual basis, whether significant or not,
maka aset keuangan tersebut akan masuk ke then the financial assets are included into the
dalam kelompok aset keuangan yang group of financial assets that collectively
penurunan nilainya dinilai secara kolektif. assessed for impairment.
Aset keuangan yang signifikan dan telah Significant financial assets that have objective
terdapat bukti objektif terjadi penurunan nilai, evidence to be impaired are not included in the
tidak dimasukkan dalam penilaian penurunan collective assessment of impairment.
nilai secara kolektif.
28
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Reklasifikasi Reclassification
Reklasifikasi atas aset keuangan yang dimiliki Reclassification of owned financial assets is
dilakukan jika adanya perubahan model bisnis made if there is a change in the business
untuk pengelolaan aset keuangan dan tidak model for managing financial assets and is
diperkenankan untuk melakukan reklasifikasi not allowed to reclassify financial liabilities.
atas liabilitas keuangan.
Perubahan model bisnis sifatnya harus Changes in the business model must have a
berdampak secara signifikan terhadap significant impact on the Bank's operational
kegiatan operasional Bank seperti activities, such as acquiring, releasing, or
memperoleh, melepaskan, atau mengakhiri ending a line of business. In addition, it is
suatu lini bisnis. Selain itu, perlu membuktikan necessary to prove these changes to external
adanya perubahan tersebut kepada pihak parties.
eksternal.
Bank akan mereklasifikasi seluruh aset The Bank will reclassify all financial assets
keuangan yang terkena dampak dari affected by changes in business models.
perubahan model bisnis. Perubahan tujuan Changes in the objectives of the Bank's
model bisnis Bank harus berdampak sebelum business model should take effect before the
tanggal reklasifikasi. reclassification date.
Yang bukan merupakan perubahan model What is not a change in the business model
bisnis adalah: are:
a. Perubahan intensi berkaitan dengan aset a. Change in intention relating to a particular
keuangan tertentu (bahkan dalam situasi financial asset (even in situations of
perubahan signifikan dalam kondisi significant changes in market conditions).
pasar).
b. Hilangnya sementara pasar tertentu untuk b. The temporary loss of certain markets for
aset keuangan. financial assets.
c. Pengalihan aset keuangan antara bagian c. Transfers of financial assets between parts
dari Bank dengan model bisnis berbeda. of the Bank with different business models.
Saling Hapus Aset Keuangan dan Liabilitas Offsetting a Financial Asset and a Financial
Keuangan Liability
Aset keuangan dan liabilitas keuangan A financial asset and financial liability shall be
disalinghapuskan, jika dan hanya jika, Bank offset, when and only when, the Bank currently
saat ini memiliki hak yang dapat dipaksakan has a legally enforceable right to set off the
secara hukum untuk melakukan saling hapus recognized amount; and intends either to settle
atas jumlah yang telah diakui tersebut; dan on a net basis, or to realise the asset and
berintensi untuk menyelesaikan secara neto settle the liability simultaneously.
atau untuk merealisasikan aset dan
menyelesaikan liabilitasnya secara simultan.
Pengukuran Nilai Wajar Fair Value Measurement
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
liabilitas dalam transaksi teratur antara pelaku between market participants at the
pasar pada tanggal pengukuran. Nilai wajar measurement date. The fair value of financial
aset dan liabilitas keuangan diestimasi untuk assets and financial liabilities must be
keperluan pengakuan dan pengukuran atau estimated for recognition and measurement or
untuk keperluan pengungkapan. for disclosure purposes.
29
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Nilai wajar dikategorikan dalam level yang Fair values are categorized into different levels
berbeda dalam suatu hierarki nilai wajar in a fair value hierarchy based on the degree
berdasarkan pada apakah input suatu to which the inputs to the measurement are
pengukuran dapat diobservasi dan signifikansi observable and the significance of the inputs
input terhadap keseluruhan pengukuran nilai to the fair value measurement in its entirety:
wajar:
(i) Harga kuotasian (tanpa penyesuaian) di (i) Quoted prices (unadjusted) in active
pasar aktif untuk aset atau liabilitas yang markets for identical assets or liabilities
identik yang dapat diakses pada tanggal that can be accessed at the measurement
pengukuran (Level 1). date (Level 1).
(ii) Input selain harga kuotasian yang (ii) Inputs other than quoted prices included in
termasuk dalam Level 1 yang dapat Level 1 that are observable for the assets
diobservasi untuk aset atau liabilitas, baik or liabilities, either directly or indirectly
secara langsung maupun tidak langsung (Level 2).
(Level 2).
(iii) Input yang tidak dapat diobservasi untuk (iii) Unobservable inputs for the assets or
aset atau liabilitas (Level 3). liabilities (Level 3).
Dalam mengukur nilai wajar aset atau liabilitas, When measuring the fair value of an asset or a
Bank sebisa mungkin menggunakan data liability, the Bank uses market observable data
pasar yang dapat diobservasi. Apabila nilai to the extent possible. If the fair value of an
wajar aset atau liabilitas tidak dapat asset or a liability is not directly observable,
diobservasi secara langsung, Bank the Bank uses valuation techniques that
menggunakan teknik penilaian yang sesuai appropriate in the circumstances and
dengan keadaannya dan memaksimalkan maximizes the use of relevant observable
penggunaan input yang dapat diobservasi inputs and minimizes the use of unobservable
yang relevan dan meminimalkan penggunaan inputs.
input yang tidak dapat diobservasi.
Perpindahan antara level hierarki wajar diakui Transfers between levels of the fair value
oleh Bank pada akhir periode pelaporan hierarchy are recognized by the Bank at the
dimana perpindahan terjadi. end of the reporting period during which the
change occurred.
2.f. Transaksi dan Saldo dengan Pihak Berelasi 2.f. Related Parties Transactions and Balances
Dalam menjalankan usahanya, Bank In the normal course of its business, the Bank
melakukan transaksi dengan pihak-pihak enters into transactions with related parties
berelasi seperti yang didefinisikan dalam PSAK which are defined under PSAK 7 regarding
No. 7 tentang “Pengungkapan Pihak-pihak “Related Party Disclosures”.
Berelasi”.
Pihak berelasi adalah orang atau entitas yang A related party is a person or an entity that is
terkait dengan entitas pelapor: related to the reporting entity:
a. Orang atau anggota keluarga dekatnya a. A person or a close member of that
mempunyai relasi dengan entitas pelapor person’s family is related to a reporting
jika orang tersebut: entity if that person:
i. Memiliki pengendalian atau i. Has control or joint control over the
pengendalian bersama atas entitas reporting entity;
pelapor;
ii. Memiliki pengaruh signifikan atas ii. Has significant influence over the
entitas pelapor; atau reporting entity; or
iii. Merupakan personel manajemen kunci iii. Is a member of the key management
entitas pelapor atau entitas induk dari personnel of the reporting entity or of a
entitas pelapor. parent of the reporting entity.
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
b. Suatu entitas berelasi dengan entitas b. An entity is related to the reporting entity if
pelapor jika memenuhi salah satu hal 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 members of the same group (which
sama (artinya entitas induk, entitas means that each parent, subsidiary,
anak, dan sesama entitas anak saling and fellow subsidiaries are related to
berelasi dengan entitas anak lainnya); the others);
ii. Satu entitas adalah entitas asosiasi ii. One entity is an associate or joint
atau ventura bersama dari entitas lain venture of the other entity (or an
(atau entitas asosiasi atau associate or joint venture of a
ventura bersama yang merupakan member of a group of which the other
anggota suatu kelompok usaha, entity is a member);
dimana entitas lain tersebut adalah
anggotanya);
iii. Kedua entitas tersebut adalah ventura iii. Both entities are joint ventures of the
bersama dari pihak ketiga yang sama; same third party;
iv. Satu 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
imbalan pascakerja untuk imbalan benefit plan for the benefit of
kerja dari salah satu entitas pelapor employees of either the reporting
atau entitas yang terkait dengan entity, or an entity related to the
entitas pelapor. Jika entitas pelapor reporting entity. If the reporting entity
adalah entitas yang in itself such a plan, the sponsoring
menyelenggarakan program tersebut, employers are also related to the
maka entitas sponsor juga berelasi reporting entity;
dengan entitas pelapor;
vi. Entitas yang dikendalikan atau vi. The entity is controlled or jointly
dikendalikan bersama oleh orang yang controlled by a person identified in (a);
diidentifikasi dalam huruf (a);
vii. Orang yang diidentifikasi dalam huruf vii. A person identified in (a) (i) has
(a) (i) memiliki pengaruh signifikan significant influence over the entity or
atas entitas atau merupakan personel is a member of the key management
manajemen kunci entitas (atau entitas personnel of the entity (or a parent of
induk dari entitas); atau the entity; or
viii. Entitas atau anggota dari kelompok viii. The entity or any members of a group
dimana entitas merupakan bagian dari of which it is a part, provides key
kelompok tersebut, menyediakan jasa management personnel services to the
personel manajemen kunci kepada reporting entity or to the parent of the
entitas pelapor atau kepada entitas reporting entity.
induk dari entitas pelapor.
Transaksi dengan pihak berelasi dilakukan Transactions with related parties are made on
berdasarkan persyaratan yang disetujui oleh terms agreed by both parties, where such
kedua belah pihak, dimana persyaratan requirements may not be the same as other
tersebut mungkin tidak sama dengan transaksi transactions undertaken with third parties.
lain yang dilakukan dengan pihak-pihak yang Material transactions and balances with related
tidak berelasi. Seluruh transaksi dan saldo parties are disclosed in the notes to the
yang material dengan pihak-pihak berelasi financial statements and the relevant details
diungkapkan dalam catatan atas laporan have been presented in Note 36 of the
keuangan yang relevan dan rinciannya telah financial statements.
disajikan dalam Catatan 36 atas laporan
keuangan.
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
2.g. Kas 2.g. Cash
Kas meliputi kas kecil, kas besar, dan kas di Cash includes petty cash, cash, and cash in
dalam Anjungan Tunai Mandiri (ATM). Automatic Teller Machines (ATM).
2.h. Giro pada Bank Indonesia dan Bank Lain 2.h. Current Accounts with Bank Indonesia and
Other Banks
Giro pada Bank Indonesia dan bank lain The current accounts with Bank Indonesia
diklasifikasikan sebagai biaya perolehan yang and other banks are classified as amortized
diamortisasi dan dinyatakan sebesar biaya cost and stated at amortized cost using the
perolehan diamortisasi menggunakan metode effective interest rate method.
suku bunga efektif.
2.i. Penempatan pada Bank Indonesia dan 2.i. Placements with Bank Indonesia and Other
Bank Lain Banks
Penempatan pada Bank Indonesia dan bank The placements with Bank Indonesia and
lain diklasifikasikan sebagai biaya perolehan other banks are classified as amortized cost
diamortisasi yang dinyatakan sebesar biaya which are stated at amortized cost using the
perolehan diamortisasi menggunakan metode effective interest rate method.
suku bunga efektif.
2.j. Efek-efek 2.j. Marketable Securities
Efek-efek yang dimiliki terdiri dari obligasi Marketable securities consist of government
pemerintah yang dibeli di pasar dan obligasi bonds were purchased in the market and
korporasi. corporate bonds.
Efek-efek disajikan sebesar nilai wajar Marketable securities are initially measured at
ditambah dengan biaya transaksi yang dapat fair value plus directly attributable transaction
diatribusikan secara langsung. costs.
Pada saat pengakuan awal, efek-efek dicatat At initial recognition, marketable securities are
sesuai dengan kategorinya yaitu aset recorded according to their category, i.e.,
keuangan diklasifikasikan pada biaya amortized cost, fair value through other
perolehan yang diamortisasi, nilai wajar comprehensive income, or at fair value
melalui penghasilan komprehensif lain, atau through profit or loss.
nilai wajar melalui laba rugi.
2.k. Tagihan atas Efek-efek yang Dibeli dengan 2.k. Receivable from Marketable Securities
Janji Dijual Kembali dan Liabilitas atas Purchased under Agreements to Resell
Efek-efek yang Dijual dengan Janji Dibeli and Liabilities from Marketable Securities
Kembali Sold under Agreements to Repurchase
Tagihan atas efek-efek yang dibeli dengan Receivable from marketable securities
janji dijual kembali diklasifikasikan sebagai purchased under agreements to resell are
biaya perolehan yang diamortisasi. classified as amortized cost.
Tagihan atas efek-efek yang dibeli dengan Receivable from marketable securities
janji dijual kembali disajikan sebagai aset purchased under agreements to resell are
dalam laporan posisi keuangan sebesar presented as assets in the statement of
jumlah penjualan kembali dikurangi dengan financial position, at the resale price net of
pendapatan bunga yang belum diamortisasi unamortized interest income and allowance for
dan cadangan kerugian penurunan nilai. impairment losses.
Selisih antara harga beli dan harga jual The difference between the purchase price
kembali diperlakukan sebagai pendapatan and the resale price is treated as unearned
bunga yang ditangguhkan, dan diakui sebagai interest income and recognized as income
pendapatan selama periode sejak efek-efek over the period starting from when those
tersebut dibeli hingga dijual menggunakan securities are purchased until they are sold
suku bunga efektif. using effective interest rate method.
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Liabilitas atas efek-efek yang dijual dengan Liabilities from marketable securities sold
janji dibeli kembali diklasifikasikan sebagai under agreements to repurchase are classified
liabilitas keuangan yang diukur dengan biaya as financial liabilities measured at amortized
perolehan diamortisasi. cost.
Liabilitas atas efek-efek yang dijual dengan Liabilities from marketable securities sold
janji dibeli kembali disajikan sebagai liabilitas under agreements to repurchase are
dalam laporan posisi keuangan sebesar presented as liabilities in the statement of
jumlah pembelian kembali, dikurangi dengan financial position, at the repurchase price, net
bunga dibayar dimuka yang belum of unamortized prepaid interest. The difference
diamortisasi. Selisih antara harga jual dan between the selling price and the repurchase
harga beli kembali diperlakukan sebagai price is treated as prepaid interest and
bunga dibayar dimuka dan diakui sebagai recognized as interest expense over the period
beban bunga selama jangka waktu sejak starting from when those securities are sold
tagihan efek-efek tersebut dijual hingga dibeli until they are repurchased using effective
kembali menggunakan metode suku bunga interest rate method.
efektif.
Liabilitas atas efek-efek yang dijual dengan Liabilities from marketable securities sold
janji dibeli kembali yang dimiliki terdiri dari under agreements to repurchase consists of
Surat Perbendaharaan Negara (SPN). Treasury Bills.
Liabilitas atas efek-efek yang dijual dengan Liabilities from marketable securities sold
janji dibeli kembali disajikan sebagai liabilitas under agreements to repurchase are
dalam laporan posisi keuangan sebesar harga presented as liabilities in the statement of
pembelian kembali yang disepakati dikurangi financial position at the agreed repurchase
dengan bunga dibayar dimuka yang belum price less unamortized unpaid interest. The
diamortisasi. Selisih antara harga jual dan difference between the agreed selling price
harga beli kembali yang disepakati and repurchase price is treated as interest
diperlakukan sebagai beban bunga dibayar expense payable and recognized as interest
dimuka dan diakui sebagai beban bunga expense over the period from the time the
selama jangka waktu sejak efek-efek tersebut securities are sold until they are repurchased
dijual hingga dibeli kembali dengan using the effective interest rate method.
menggunakan metode suku bunga efektif.
Efek yang dijual dengan janji untuk dibeli Securities sold with agreements to repurchase
kembali diklasifikasikan sebagai liabilitas are classified as financial liabilities at
keuangan yang diukur dengan biaya amortized cost.
perolehan diamortisasi.
2.l. Instrumen Keuangan Derivatif 2.l. Derivatives Financial Instruments
Seluruh instrumen derivatif (termasuk All derivative instruments (including foreign
transaksi valuta asing untuk tujuan pendanaan currency transactions for funding and trading)
dan perdagangan) dicatat dalam laporan are recorded in the statement of financial
posisi keuangan berdasarkan nilai wajarnya. position at fair value. Fair value is determined
Nilai wajar tersebut ditentukan berdasarkan based on market value using Reuters rate at
harga pasar dengan menggunakan kurs reporting date or discounted cash flow method.
Reuters pada tanggal laporan atau metode
yang didiskontokan arus kas.
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Instrumen keuangan derivatif diakui di laporan Derivatives financial instruments are
posisi keuangan pada nilai wajar. Setiap recognized in the statement of financial
kenaikan nilai wajar kontrak derivatif dicatat position at fair value. Each increase in fair
sebagai aset apabila memiliki nilai wajar positif value derivative contract is carried as asset
dan sebagai liabilitas apabila memiliki nilai when the fair value is positive and as liability
wajar negatif. when the fair value is negative.
Tagihan dan liabilitas derivatif diklasifikasikan Derivatives receivables and payables are
sebagai aset dan liabilitas keuangan yang classified as financial assets and liabilities at
diukur pada nilai wajar melalui laba rugi. fair value through profit or loss.
Keuntungan atau kerugian dari kontrak Gains or losses on derivative contracts are
derivatif disajikan dalam laporan keuangan presented in the financial statements based on
berdasarkan tujuan Bank atas transaksi yaitu its purpose on the transaction, as (1) a hedge
untuk (1) lindung nilai atas nilai wajar, of the fair value, (2) a cash flow hedge, (3) a
(2) lindung nilai atas arus kas, (3) lindung nilai hedge of a net investment in foreign
atas investasi bersih pada kegiatan operasi operations, and (4) trading instruments, as
luar negeri, dan (4) instrumen perdagangan, follows:
sebagai berikut:
a. Keuntungan atau kerugian dari kontrak a. Gains or losses on derivative contracts
derivatif yang ditujukan dan memenuhi that are designated and qualify as hedging
syarat sebagai instrumen lindung nilai atas instruments in the fair value and the gains
nilai wajar dan keuntungan atau kerugian or losses on changes in fair value of
atas perubahan nilai wajar aset dan assets and liabilities that are protected,
liabilitas yang dilindungi, diakui sebagai recognized as a gain or loss may be
laba atau rugi yang dapat saling hapus offset in the same accounting period. Any
dalam periode akuntansi yang sama. difference representing hedge
Setiap selisih yang terjadi menunjukkan ineffectiveness is recognized as profit or
terjadinya ketidakefektifan lindung nilai dan loss in current year.
secara langsung diakui sebagai laba atau
rugi tahun berjalan.
b. Bagian efektif dari keuntungan atau b. The effective portions of gains or losses on
kerugian atas kontrak derivatif yang derivative contracts designated as cash
ditujukan sebagai lindung nilai atas arus flow hedge are reported as other
kas dilaporkan sebagai penghasilan comprehensive income. The ineffective
komprehensif lainnya. Bagian yang tidak portions of the hedge are reported as profit
efektif dari lindung nilai dilaporkan sebagai or loss in current year.
laba atau rugi tahun berjalan.
c. Keuntungan atau kerugian dari kontrak c. Gains or losses on derivative contracts
derivatif yang ditujukan sebagai lindung designated as hedges of a net investment
nilai atas investasi bersih pada kegiatan in a foreign operation are reported as other
operasi luar negeri dilaporkan sebagai comprehensive income to the extent it is
pendapatan komprehensif lainnya, effective as a hedge.
sepanjang transaksi tersebut dianggap
efektif sebagai transaksi lindung nilai.
d. Keuntungan atau kerugian dari kontrak d. Gains or losses on derivative contracts not
derivatif yang tidak ditujukan sebagai designated as a hedging instrument (or
instrumen lindung nilai (atau kontrak derivative contract that does not qualify as
derivatif yang tidak memenuhi persyaratan a hedging instrument) is recognized as
sebagai instrumen lindung nilai) diakui profit or loss in current year.
sebagai laba atau rugi pada tahun
berjalan.
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
2.m. Kredit yang Diberikan 2.m. Loans
Kredit yang diberikan adalah penyediaan uang Loans are the provision of cash or cash
atau tagihan yang dapat disetarakan dengan equivalent, based on agreements with
kas, berdasarkan persetujuan atau borrowers, where borrowers required to pay off
kesepakatan pinjam-meminjam dengan debts with interest after a certain period of
peminjam, mewajibkan pihak peminjam untuk time.
melunasi utang berikut bunganya setelah
jangka waktu tertentu.
Kredit yang diberikan pada awalnya diukur Loans are initially measured at fair value plus
pada nilai wajar ditambah dengan biaya transaction costs that are directly attributable
transaksi yang dapat diatribusikan secara and an additional cost to acquire the financial
langsung dan merupakan biaya tambahan assets after initial recognition and are
untuk memperoleh aset keuangan tersebut measured at amortized cost using the effective
dan setelah pengakuan awal diukur pada interest method less any allowance for
biaya perolehan diamortisasi menggunakan impairment losses.
metode suku bunga efektif dikurangi dengan
cadangan kerugian penurunan nilai.
Restrukturisasi kredit Loans restructuring
Restrukturisasi kredit meliputi adanya Loan restructuring includes the extension of
perpanjangan jangka waktu pembayaran dan repayment periods and provision of new credit.
ketentuan kredit yang baru.
Kredit yang direstrukturisasi disajikan sebesar Restructured loans are stated at the lower of
nilai yang lebih rendah antara nilai tercatat carrying value of the loan at the time of
kredit pada tanggal restrukturisasi atau nilai restructuring or net present value of the total
tunai penerimaan kas masa depan setelah future cash receipts after restructuring. Losses
restrukturisasi. Kerugian akibat selisih antara arising from any excess of the carrying value
nilai tercatat kredit pada tanggal restrukturisasi of the loan at the time of restructuring over the
dengan nilai tunai penerimaan kas masa net present value of the total future cash
depan setelah restrukturisasi diakui sebagai receipts after restructuring are recognized as
laba/rugi. profit/loss.
Setelah restrukturisasi, semua penerimaan kas Thereafter, all cash receipts under the new
masa depan yang ditetapkan dalam terms shall be accounted for as the recovery of
persyaratan baru dicatat sebagai principal and interest revenue, in accordance
pengembalian pokok kredit yang diberikan dan with the restructuring scheme.
pendapatan bunga sesuai dengan syarat-
syarat restrukturisasi.
Kredit yang diberikan dihapusbukukan, ketika Loans that written off, when there is no
tidak terdapat prospek yang realistis mengenai realistic prospect of the returns in the future
pengembalian di masa datang dan semua and all collateral been attempted to be realized
jaminan telah diupayakan untuk direalisasi or been taken over. Loans that can not be
atau sudah diambil alih. Kredit yang tidak repaid written off by debiting the allowance for
dapat dilunasi dihapusbukukan dengan impairment losses. Then repayments of loans
mendebit cadangan kerugian penurunan nilai. written off are credited to the allowance for
Pelunasan kemudian atas kredit yang telah impairment losses in the statement of financial
dihapusbukukan tersebut, dikreditkan ke position.
cadangan kerugian penurunan nilai di laporan
posisi keuangan.
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
2.n. Aset Tetap, Aset Hak Guna, dan Liabilitas 2.n. Fixed Assets, Right-of-Use-Assets, and
Sewa Lease Liability
Aset Tetap Fixed Assets
Aset tetap pada awalnya diakui sebesar biaya Fixed assets are initially recognized at cost,
perolehan yang meliputi harga perolehannya which comprises its purchase price and any
dan setiap biaya yang dapat diatribusikan cost directly attributable in bringing the assets
langsung untuk membawa aset ke kondisi dan to the location and condition necessary for it to
lokasi yang diinginkan agar aset siap be capable of operating in the manner
digunakan sesuai intensi manajemen. intended by management.
Apabila relevan, biaya perolehan juga dapat When applicable, the cost may also comprise
mencakup estimasi awal biaya pembongkaran the initial estimate of the costs of dismantling
dan pemindahan aset tetap dan restorasi and removing the item and restoring the site
lokasi aset tetap. on which it is located.
Setelah pengakuan awal, aset tetap kecuali After initial recognition, fixed assets, except
tanah dinyatakan sebesar biaya perolehan land, are carried at its cost less any
dikurangi akumulasi penyusutan dan accumulated depreciation, and any
akumulasi rugi penurunan nilai. accumulated impairment losses.
Tanah diakui sebesar harga perolehannya dan Lands are recognized at its cost and are not
tidak disusutkan. depreciated.
Penyusutan aset tetap dimulai pada saat aset Depreciation of fixed assets starts when its
tersebut siap untuk digunakan sesuai maksud available for use and its computed by using
penggunaannya dan dihitung dengan straight-line method based on the estimated
menggunakan metode garis lurus berdasarkan useful lives of assets are as follows (in years) :
estimasi masa manfaat ekonomis aset
sebagai berikut (dalam tahun) :
2023 2022
Bangunan 20 20 Buildings
Peralatan ATM & khazanah 10 10 ATM & vault equipment
Perlengkapan dan peralatan kantor 6 6 Office equipment and supplies
Renovasi bangunan 6 6 Building renovation
Kendaraan 5 5 Vehicles
Infrastruktur IT 6 -- IT Infrastructure
Nilai tercatat dari suatu aset tetap dihentikan The carrying amount of an item of fixed assets
pengakuannya pada saat pelepasan atau is derecognized on disposal or when no future
ketika tidak terdapat lagi manfaat ekonomik economic benefits are expected from its use or
masa depan yang diharapkan dari disposal. Any gain or loss arising from
penggunaan atau pelepasannya. Keuntungan derecognition (that determined as the
atau kerugian yang timbul dari penghentian difference between the net disposal proceeds,
pengakuan tersebut (yang ditentukan sebesar if any, and the carrying amount of the item) is
selisih antara jumlah hasil pelepasan neto, jika included in profit or loss when item is
ada, dan jumlah tercatatnya) dimasukkan derecognized.
dalam laba rugi pada saat penghentian
pengakuan tersebut dilakukan.
36
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Pada akhir periode pelaporan, Bank At the end of each reporting period, the Bank
melakukan penelaahan berkala atas masa made regular review of the useful lives,
manfaat, nilai residu, metode penyusutan, dan residual values, depreciation method, and
sisa umur pemakaian berdasarkan kondisi residual life based on the technical conditions.
teknis.
Aset Hak-Guna dan Liabilitas Sewa Right-Of-Use-Assets and Lease Liabilities
Pada tanggal insepsi suatu kontrak, Bank At inception of a contract, the Bank assesses
menilai apakah suatu kontrak merupakan, whether a contract is, or contains, a lease. A
atau mengandung, sewa. Suatu kontrak contract is, or contains, a lease if the contract
merupakan, atau mengandung sewa jika conveys the right to control the use of an
kontrak tersebut memberikan hak untuk identified asset for a period of time in
mengendalikan penggunaan suatu asset exchange for consideration. To assess
identifikasian selama suatu jangka waktu whether a contract conveys the right to control
untuk dipertukarkan dengan imbalan. Untuk the use of an identified asset, the Bank
menilai apakah suatu kontrak memberikan hak assesses whether:
untuk mengendalikan suatu asset
identifikasian, Bank menilai apakah:
a. Kontrak melibatkan penggunaan suatu a. The contract involves the use of an
aset identifikasian – ini dapat ditentukan identified asset – this may be specified
secara eksplisit atau implisit dan secara explicitly or implicitly and should be
fisik dapat dibedakan atau mewakili physically distinct or represent
secara substansial seluruh kapasitas aset substantially all of the capacity of a
yang secara fisik dapat dibedakan. Jika physically distinct asset. If the supplier has
pemasok memiliki hak substitusi the substantive substitution right, then the
substantif, maka aset tersebut tidak asset is not identified;
teridentifikasi;
b. Bank memiliki hak untuk memperoleh b. The Bank has the right to obtain
secara substansial seluruh manfaat substantially all of the economic benefits
ekonomik dari penggunaan aset selama from use of the asset throughout the
periode penggunaan; dan period of use; and
c. Bank memiliki hak untuk mengarahkan c. The Bank has the right to direct the use of
penggunaan aset identifikasian. Bank the identified asset. The Bank has this
memiliki hak ini ketika hak pengambilan right when it has the decision making
keputusan yang paling relevan untuk rights that are most relevant to changing
mengubah bagaimana dan untuk tujuan how and for what purpose the asset is
apa aset tersebut digunakan. Dalam used. In certain circumstances where all
kondisi tertentu di mana semua the decisions about how and for what
keputusan tentang bagaimana dan untuk purpose the asset is used are
tujuan apa aset digunakan telah predetermined, the Bank has the right to
ditentukan sebelumnya, Bank memiliki direct the use of the asset if either:
hak untuk mengarahkan penggunaan
aset tersebut jika:
- Bank memiliki hak untuk - The Bank has the right to operate the
mengoperasikan aset; atau asset; or
- Bank mendesain aset dengan cara - The Bank designed the asset in a way
menetapkan sebelumnya bagaimana that predetermines how and for what
dan untuk tujuan apa aset akan purpose the asset will be used.
digunakan.
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Pada tanggal insepsi atau pada saat penilaian At inception date or on reassessment of a
kembali suatu kontrak yang mengandung contract that contains a lease component, the
suatu komponen sewa, Bank mengalokasikan Bank and its subsidiaries allocates
imbalan dalam kontrak ke masing-masing consideration in the contract to each lease
komponen sewa berdasarkan harga tersendiri component on the basis of their relative stand
relatif dari komponen sewa. alone prices.
Pembayaran sewa yang termasuk dalam Lease payments included in the measurement
indeks liabilitas sewa meliputi: pembayaran of the lease liability comprise the following:
sewa tetap, sewa variabel yang bergantung fixed payments, variable lease payments that
pada indeks, jumlah yang akan dibayarkan depend on an index, amounts expected to be
dalam jaminan nilai residu dan harga eksekusi payable under a residual value guarantee and
opsi beli, opsi perpanjangan atau penalti the exercise price under a purchase option,
penghentikan jika Bank cukup pasti akan optional renewal period or penalties for early
mengeksekusi opsi tersebut. termination of a lease unless the Bank is
reasonably certain not to terminate early.
Bank mengakui aset hak-guna dan liabilitas The Bank recognizes a right-of-use asset and
sewa pada tanggal dimulainya sewa. Aset hak a lease liability at the lease commencement
guna awalnya diukur pada biaya perolehan, date. The right of-use asset is initially
yang terdiri dari jumlah pengukuran awal dari measured at cost, which comprises the initial
liabilitas sewa disesuaikan dengan amount of the lease liability adjusted for any
pembayaran sewa yang dilakukan pada atau lease payments made at or before the
sebelum tanggal permulaan, ditambah dengan commencement date, plus any initial direct
biaya langsung awal yang dikeluarkan, dan costs incurred and an estimate of costs to
estimasi biaya untuk membongkar dan dismantle and remove the underlying asset or
memindahkan aset pendasar atau untuk to restore the underlying asset or the site on
merestorasi aset pendasar atau tempat di which it is located, less any lease incentives
mana aset berada, dikurangi insentif sewa received.
yang diterima.
Setelah tanggal permulaan, Bank mengukur After the commencement date, the Bank
aset hak guna dengan model biaya, yaitu measures the right of use assets under the
biaya perolehan dikurangi akumulasi cost model, which is cost less accumulated
penyusutan dan akumulasi kerugian depreciation and accumulated impairment
penurunan nilai, serta disesuaikan dengan losses, and adjusted for remeasurement of
pengukuran kembali liabilitas sewa. Aset hak lease liabilities. Right of use asset depreciated
guna disusutkan dengan menggunakan using straight line method.
metode garis lurus
Jika sewa mengalihkan kepemilikan aset If the lease transfers the ownership of the
pendasar pada akhir masa sewa atau jika underlying asset at the end of the lease term,
biaya perolehan aset hak-guna merefleksikan then the asset will be depreciated from the
penyewa akan mengeksekusi opsi beli, maka beginning of the lease term to the end of the
penyewa menyusutkan aset hak-guna dari underlying asset’s useful life. The depreciation
tanggal permulaan hingga akhir umur manfaat periods for the right-of-use assets with buy
aset pendasar. Periode penyusutan untuk aset options executed should refer to the policy for
hak-guna dengan opsi beli yang dieksekusi the fixed asset (Note 2.n).
tersebut mengacu pada ketentuan masa
manfaat aset tetap (Catatan 2.n).
38
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Liabilitas sewa awalnya diukur pada nilai kini If the lease transfers the ownership of the
atas pembayaran sewa yang belum dibayar underlying asset at the end of the lease term,
pada tanggal permulaan, didiskontokan then the asset will be depreciated from the
menggunakan suku bunga implisit dalam sewa beginning of the lease term to the end of the
atau, jika suku bunga tersebut tidak dapat underlying asset’s useful life. The depreciation
ditentukan, digunakan suku bunga pinjaman periods for the right-of-use assets with buy
inkremental Bank. Umumnya, Bank options executed should refer to the policy for
menggunakan suku bunga pinjaman the fixed asset (Note 2.h).
inkremental sebagai suku bunga diskonto.
Setelah tanggal permulaan, Bank mengukur After the commencement date, the Bank shall
liabilitas sewa dengan: measure the lease liability by:
a. Meningkatkan jumlah tercatat untuk a. Increasing the carrying amount to reflect
merefleksikan bunga atas liabilitas sewa interest on the lease liability;
b. Mengurangi jumlah tercatat untuk b. Reducing the carrying amount to reflect
merefleksikan sewa yang telah dibayar; the lease payments made; and
c. Mengukur kembali jumlah tercatat untuk c. Remeasuring the carrying amount to
merefleksikan penilaian kembali atau reflect any reassessment or lease
modifikasi sewa atau untuk merefleksikan modifications, or to reflect revised in
pembayaran sewa tetap secara substansi substance fixed lease payments
revision.
Liabilitas sewa diukur kembali ketika ada It is remeasured when there is a change in
perubahan pembayaran sewa masa depan future lease payments arising from a change in
yang timbul dari perubahan indeks atau suku an index or rate, if there is a change in the
bunga, jika ada perubahan estimasi Bank atas Bank estimate of the amount expected to be
jumlah yang diperkirakan akan dibayar dalam payable under a residual value guarantee, or if
jaminan nilai residual, atau jika Bank the Bank changes its assessment of whether it
mengubah penilaiannya apakah akan will exercise a purchase, extension or
mengeksekusi opsi beli, perpanjangan atau termination option.
penghentian.
Ketika liabilitas sewa diukur kembali dengan When the lease liability is remeasured in this
cara ini, penyesuaian terkait dilakukan way, a corresponding adjustment is made to
terhadap jumlah tercatat aset hak-guna, atau the carrying amount of the right-of-use assets
dicatat dalam laba rugi jika jumlah tercatat or is recorded in profit or loss if the carrying
aset hak-guna telah berkurang menjadi nol. amount of the right-of-use asset has been
reduced to zero.
Selanjutnya, pembayaran atas kontrak yang Furthermore, payments associated with
termasuk ke dalam pengecualian, yakni contracts included in the exception, which are
pembayaran atas sewa jangka pendek dan payments associated with all short term leases
sewa aset bernilai rendah diakui sebagai and certain leases of all low value assets are
beban dengan menggunakan metode garis recognized as an expense on a straight-line
lurus selama masa sewa. basis over the lease term.
39
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
2.o. Aset Takberwujud 2.o. Intangible Assets
Aset takberwujud diukur sebesar nilai Intangible asset is measured on initial
perolehan pada pengakuan awal. Setelah recognition at cost. After initial recognition,
pengakuan awal, aset takberwujud dicatat intangible asset is carried at cost less any
pada biaya perolehan dikurangi akumulasi accumulated amortization and any
amortisasi dan akumulasi rugi penurunan nilai. accumulated impairment loss. The useful life
Umur manfaat aset takberwujud dinilai apakah of intangible asset is assessed to be either
terbatas atau tidak terbatas. finite or indefinite.
Aset takberwujud dengan umur manfaat Intangible asset with finite useful life
terbatas
Aset takberwujud dengan umur manfaat Intangible asset with finite useful life is
terbatas diamortisasi selama umur manfaat amortized over the economic useful life by
ekonomi dengan metode garis lurus (atau using a straight-line method (or other method
metode lainnya sepanjang mencerminkan pola as it reflects the pattern in which the asset’s
manfaat ekonomik masa depan yang future economic benefits are expected to be
diperkirakan dikonsumsi oleh entitas). consumed by the entity).
Amortisasi dihitung sebagai penghapusan Amortization is calculated to write off the cost
biaya perolehan aset, dikurangi nilai of the asset, less its estimated residual value,
residunya, atas umur ekonomisnya sebagai over its useful economic life as follows:
berikut:
2023 2022
Perangkat Lunak 10 10 Software
Periode amortisasi dan metode amortisasi The amortization period and the amortization
untuk aset takberwujud dengan umur manfaat method for an intangible asset with a finite
terbatas ditelaah setidaknya setiap akhir tahun useful life are reviewed at least at each
buku. financial year-end.
Aset takberwujud dengan umur manfaat tidak Intangible asset with indefinite useful life
terbatas
Aset takberwujud dengan umur manfaat tidak Intangible asset with indefinite useful life is not
terbatas tidak diamortisasi. Masa manfaat aset amortized. The useful life of an intangible
takberwujud dengan umur tak terbatas asset with an indefinite that is not being
ditelaah setiap tahun untuk menentukan amortized is reviewed annually to determine
apakah peristiwa dan keadaan dapat terus whether events and circumstances continue to
mendukung penilaian bahwa umur manfaat support an indefinite useful life assessment for
tetap tidak terbatas. Jika tidak, perubahan that asset. If they do not, the change in the
masa manfaat dari tidak terbatas menjadi useful life assessment from indefinite to finite
terbatas diterapkan secara prospektif. is accounted for on a prospective basis.
Aset takberwujud dengan umur tidak terbatas Intangible asset with indefinite useful life is
diuji untuk penurunan nilai setiap tahun dan tested for impairment annually and whenever
kapanpun terdapat suatu indikasi bahwa aset there is an indication that the intangible asset
takberwujud mungkin mengalami penurunan may be impaired.
nilai.
40
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
2.p. Agunan yang Diambil Alih (AYDA) 2.p. Foreclosed Assets (AYDA)
Agunan yang diambil alih (AYDA) adalah aset Foreclosed assets represent assets acquired
yang diperoleh Bank, baik melalui pelelangan by the Bank, both from auction and non
maupun di luar pelelangan berdasarkan auction based on voluntary transfer by the
penyerahan secara sukarela oleh pemilik debtor or based on debtor’s approval to sell
agunan atau berdasarkan kuasa untuk the collateral where the debtor could not fulfill
menjual di luar lelang dari pemilik agunan their obligations to the Bank. Foreclosed
dalam hal debitur tidak memenuhi liabilitasnya assets represent loan collateral that were
kepada Bank. AYDA merupakan jaminan taken over as part of loans settlement.
kredit yang diberikan yang telah diambil alih
sebagai bagian dari penyelesaian kredit yang
diberikan.
Agunan yang diambil alih diakui sebesar nilai Foreclosed assets are stated at net realizable
neto yang dapat direalisasi atau sebesar nilai value or stated at loan outstanding amount,
outstanding kredit yang diberikan, mana yang whichever is lower. Net realizable value is the
lebih rendah. Nilai neto yang dapat direalisasi fair value of the foreclosed assets less the
adalah nilai wajar agunan yang alih dikurangi estimated costs to sell the assets. The excess
dengan estimasi biaya untuk menjual agunan of loan receivable over the net realizable value
tersebut. Selisih lebih saldo kredit di atas nilai of the foreclosed assets is charged to
neto yang dapat direalisasi dari agunan yang allowance for impairment losses. The
diambil alih dibebankan ke dalam akun difference between the recorded amount of the
cadangan kerugian penurunan nilai aset. foreclosed assets and the proceeds from the
Selisih antara nilai agunan yang diambil alih sale of such collateral is recorded as a gain or
dengan hasil penjualan diakui sebagai loss at the time of sale.
keuntungan atau kerugian pada saat
penjualan.
Beban-beban yang berkaitan dengan Maintenance and repair costs related to
pemeliharaan agunan yang diambil alih foreclosed assets are charged as an expense
dibebankan dalam laba rugi pada saat in profit or loss when incurred.
terjadinya.
Bila terjadi penurunan nilai yang bersifat If there is permanent decline in value, the
permanen, maka nilai tercatatnya dikurangi carrying amount of foreclosed assets is written
untuk mengakui penurunan tersebut dan down to recognise such permanent decline in
kerugiannya dibebankan dalam laba rugi. value and any such write-down is recognized
in profit or loss.
2.q. Biaya Dibayar Dimuka dan Aset Lain-Lain 2.q. Prepaid Expenses and Other Assets
Biaya dibayar dimuka adalah biaya yang telah Prepaid expenses are expenses which have
dikeluarkan tetapi belum diakui sebagai biaya been incurred but have not been recognized
pada periode terjadinya. Biaya dibayar dimuka as expense in the period incurred. Prepaid
akan digunakan untuk aktivitas Bank di masa expenses will be benefitted for the future
mendatang. Biaya dibayar dimuka akan diakui Bank’s activities. Prepaid expenses are
sebagai beban pada laba rugi pada saat recognized as expenses in profit or loss as
diamortisasi sesuai dengan masa manfaatnya. they are amortized in accordance with the
expected period of benefit.
41
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Termasuk dalam biaya dibayar dimuka adalah Included in prepaid expenses are rental
biaya sewa dan biaya asuransi. Biaya sewa expenses and insurance expense. Deferred
merupakan pembayaran dimuka terkait sewa rental cost is advance payment for office
gedung kantor yang diamortisasi selama masa building rental which will be amortized over the
sewa dan dimulai sejak gedung digunakan. rental period when building is in use. Prepaid
Biaya dibayar dimuka diamortisasi expenses are amortized over the useful life of
selama masa manfaat masing-masing biaya each prepayment by using straight line
dengan menggunakan metode garis lurus method.
(straight-line method).
Termasuk di dalam aset lain-lain antara lain Included in other assets are accrued income,
adalah pendapatan yang masih akan diterima, office supplies, security deposits, and third
perlengkapan kantor, uang jaminan, dan parties bills.
tagihan kepada pihak ketiga.
2.r. Penurunan Nilai Aset Non-Keuangan 2.r. Impairment of Non-Financial Assets
Pada setiap akhir periode pelaporan, Bank At the end of each reporting period, the Bank
menilai apakah terdapat indikasi aset assesses whether there is any indication that
mengalami penurunan nilai. Jika terdapat an asset may be impaired. If any such
indikasi tersebut, Bank mengestimasi jumlah indication exists, the Bank shall estimate the
terpulihkan aset tersebut. Jumlah terpulihkan recoverable amount of the asset. Recoverable
ditentukan atas suatu aset individual, dan jika amount is determined for an individual asset, if
tidak memungkinkan, Bank menentukan its is not possible, the Bank determines the
jumlah terpulihkan dari unit penghasil kas dari recoverable amount of the asset’s cash-
aset tersebut. generating unit.
Jumlah terpulihkan adalah jumlah yang lebih The recoverable amount is the higher of fair
tinggi antara nilai wajar dikurangi biaya value less costs to sell and its value in use.
pelepasan dengan nilai pakainya. Nilai pakai Value in use is the present value of the
adalah nilai kini dari arus kas yang diharapkan estimated future cash flows of the asset or
akan diterima dari aset atau unit penghasil cash generating unit. Present values are
kas. Nilai kini dihitung dengan menggunakan computed using pre-tax discount rates that
tingkat diskonto sebelum pajak yang reflect the time value of money and the risks
mencerminkan nilai waktu uang dan risiko specific to the asset or unit whose impairment
spesifik atas aset atau unit yang penurunan is being measured.
nilainya diukur.
Jika, dan hanya jika, jumlah terpulihkan aset If, and only if, the recoverable amount of an
lebih kecil dari jumlah tercatatnya, maka asset is less than its carrying amount, the
jumlah tercatat aset diturunkan menjadi carrying amount of the asset shall be reduced
sebesar jumlah terpulihkan. Penurunan to its recoverable amount. The reduction is an
tersebut adalah rugi penurunan nilai dan impairment loss and is recognized immediately
segera diakui dalam laba rugi. in profit or loss.
Rugi penurunan nilai yang telah diakui dalam An impairment loss recognized in prior period
periode sebelumnya untuk aset selain goodwill for an asset other than goodwill is reversed if,
dibalik jika, dan hanya jika, terdapat and only if, there has been a change in the
perubahan estimasi yang digunakan untuk estimates used to determine the asset’s
menentukan jumlah terpulihkan aset tersebut recoverable amount since the last impairment
sejak rugi penurunan nilai terakhir diakui. Jika loss was recognized. If this is the case, the
demikian, jumlah tercatat aset dinaikkan ke carrying amount of the asset shall be
jumlah terpulihkannya. Kenaikan ini increased to its recoverable amount. That
merupakan suatu pembalikan rugi penurunan increase is a reversal of an impairment loss.
nilai.
42
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
2.s. Simpanan Nasabah 2.s. Deposits from Customers
Simpanan nasabah adalah dana yang Deposits from customers are funds placed by
ditanamkan oleh masyarakat (tidak termasuk the public (excluding banks) based deposit
Bank) berdasarkan perjanjian penyimpanan agreement funds. Included in this account are
dana. Termasuk dalam pos ini adalah giro, current accounts, saving accounts, time
tabungan, deposito berjangka, dan bentuk deposits, and other deposits.
simpanan lain yang dipersamakan dengan itu.
Giro merupakan simpanan nasabah yang Current accounts are customer deposits which
penarikannya dapat dilakukan setiap saat may be withdrawn at any time by cheque or by
dengan menggunakan cek atau dengan cara transfer using bank draft or other facilities of
pemindahbukuan dengan bilyet giro atau payment orders.
sarana perintah pembayaran lainnya.
Tabungan merupakan simpanan nasabah Saving accounts are customer deposits which
yang penarikannya hanya dapat dilakukan can be withdrawn only by customers in
nasabah sesuai dengan persyaratan tertentu accordance with certain conditions.
yang disepakati.
Deposito berjangka merupakan simpanan Time deposits represent customer deposits
nasabah yang penarikannya hanya dapat which can be withdrawn only at a certain time
dilakukan pada waktu tertentu sesuai dengan in accordance with an agreement between the
perjanjian antara pemegang deposito deposits holders and the Bank.
berjangka dan Bank.
Simpanan nasabah pada awalnya diukur pada Deposits from customers are initially measured
nilai wajar ditambah biaya transaksi yang at fair value plus transaction costs that are
dapat diatribusikan secara langsung dan directly attributable and after initial recognition
setelah pengakuan awal diukur pada biaya are measured at amortized cost using the
perolehan diamortisasi dengan menggunakan effective interest rate method.
metode suku bunga efektif.
2.t. Simpanan dari Bank Lain 2.t. Deposits from Other Banks
Simpanan dari bank lain terdiri dari liabilitas Deposits from other banks represent liabilities
terhadap bank lain, baik lokal maupun luar to local and overseas banks, in the form of
negeri, dalam bentuk giro, inter-bank call demand deposits, interbank call money with
money dengan periode jatuh tempo menurut original maturities of 90 days or less, and time
perjanjian kurang dari atau 90 hari, dan deposits. Deposits from other banks are
deposito berjangka. Simpanan dari bank lain recorded as liability to other banks.
dicatat sebagai liabilitas terhadap bank lain.
Simpanan dari bank lain pada awalnya diukur Deposits from other banks are initially
pada nilai wajar ditambah biaya transaksi yang measured at fair value plus transaction costs
dapat diatribusikan secara langsung dan that are directly attributable and after initial
setelah pengakuan awal diukur pada biaya recognition are measured at amortized cost
perolehan diamortisasi dengan menggunakan using the effective interest rate method.
metode suku bunga efektif.
2.u. Modal saham 2.u. Share capital
Modal saham diukur dengan nilai nominal Share capital is measured at par value for all
untuk seluruh saham yang diterbitkan dan shares issued and is classified as part of
diklasifikasikan sebagai bagian dari “Ekuitas”. “Equity”. Incremental costs directly attributable
Biaya tambahan yang terkait langsung dengan to the issuance of new shares are deducted
penerbitan saham baru dikurangkan terhadap against share capital.
modal saham.
43
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
2.v. Saldo laba 2.v. Retained earnings
Saldo laba merupakan saldo kumulatif laba Retained earnings represent the cumulative
atau rugi bersih, distribusi dividen, balance of net income or loss, dividend
penyesuaian periode sebelumnya, efek dari distributions, prior period adjustments, effects
perubahan kebijakan akuntansi dan of changes in accounting policy and other
penyesuaian modal lainnya. capital adjustments.
2.w. Pendapatan dan Beban Bunga 2.w. Interest Income and Expense
Pendapatan dan beban bunga untuk semua Interest income and expense for all interest
instrumen keuangan yang dikenakan suku bearing financial instruments are recognized
bunga diakui sebagai “pendapatan bunga” dan as “interest income” and “interest expense” in
“beban bunga” di dalam laba rugi profit or loss using the effective interest
menggunakan metode suku bunga efektif. method.
Metode suku bunga efektif adalah metode The effective interest method is a
yang digunakan untuk menghitung biaya method of calculating the amortized cost
perolehan diamortisasi dari aset keuangan of a financial asset or a financial liability and of
atau liabilitas keuangan dan metode untuk allocating the interest income or interest
mengalokasikan pendapatan bunga atau expense over the relevant period. The
beban bunga selama periode yang relevan. effective interest rate is the rate that exactly
Suku bunga efektif adalah suku bunga yang discounts estimated future cash payments or
secara tepat mendiskontokan estimasi receipts through the expected life of the
pembayaran atau penerimaan kas di masa financial instrument or, when appropriate, a
datang selama perkiraan umur dari instrumen shorter period to the net carrying amount of
keuangan, atau jika lebih tepat, digunakan the financial asset or financial liability.
periode yang lebih singkat untuk memperoleh When calculating the effective interest rate,
nilai tercatat bersih dari aset keuangan atau the Bank estimates cash flows considering all
liabilitas keuangan. Pada saat menghitung contractual terms of the financial instrument,
suku bunga efektif, Bank mengestimasi arus but does not consider future credit losses.
kas dengan mempertimbangkan seluruh
persyaratan kontraktual dalam instrumen
keuangan tersebut, namun tidak
mempertimbangkan kerugian kredit di masa
datang.
Perhitungan ini mencakup komisi, provisi yang The calculation includes significant fees,
material, dan bentuk lain yang dibayarkan atau commissions and other fees paid or
diterima oleh para pihak dalam kontrak yang received between parties to the contract that
merupakan bagian tak terpisahkan dari suku are integral part of the effective interest rate,
bunga efektif, biaya transaksi, dan seluruh transaction costs, and all other premiums or
premi atau diskon lainnya. discounts.
Jika aset keuangan atau kelompok aset If a financial asset or group of similar financial
keuangan serupa telah diturunkan nilainya assets has diminished its value as a result of
sebagai akibat kerugian penurunan nilai, maka impairment losses, interest income
pendapatan bunga yang diperoleh setelahnya subsequently obtained is recognized based on
diakui berdasarkan suku bunga efektif yang the effective interest rate used to discount
digunakan untuk mendiskonto arus kas masa future cash flows in calculating impairment
datang dalam menghitung kerugian penurunan losses.
nilai.
44
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Pendapatan bunga atas kredit yang diberikan Interest income on loans or other earning
atau aset produktif lainnya yang assets that classified as non-performing is
diklasifikasikan sebagai bermasalah diakui recognized only to the extent that the interest
pada saat pendapatan tersebut diterima. Pada is received in cash. When a financial asset is
saat aset keuangan diklasifikasikan sebagai classified as non-performing, any interest
bermasalah, bunga yang telah diakui tetapi income previously recognized but not yet
belum ditagih akan dibatalkan pengakuannya. collected is reversed against interest income.
Selanjutnya, bunga yang dibatalkan tersebut The reversed interest income is recognized as
diakui sebagai tagihan kontinjensi. a contingent receivable.
2.x. Pendapatan dan Beban Provisi dan Komisi 2.x. Fees and Commissions Income and
Expense
Pendapatan dan beban provisi dan komisi Fees and commissions income and expenses
merupakan bagian tak terpisahkan dari suku that are integral to the effective interest of a
bunga efektif atas aset keuangan atau financial assets or financial liability are
liabilitas keuangan dimasukkan dalam suku included in the calculation of effective interest
bunga efektif. rate.
Pendapatan provisi dan komisi yang Fees and commissions income directly related
jumlahnya signifikan yang berkaitan langsung to significant lending activities, are recognized
dengan kegiatan pemberian kredit diakui as a part/(deduction) of lending cost and will
sebagai bagian/(pengurang) dari biaya be recognized as interest income by
perolehan kredit dan akan diakui sebagai amortizing the carrying value of loan with
pendapatan bunga dengan cara diamortisasi effective interest rate method and classified as
berdasarkan suku bunga efektif dan a part of interest income in profit or loss.
diklasifikasikan sebagai bagian dari
pendapatan bunga pada laba rugi.
Pendapatan provisi dan komisi yang tidak Fees and commissions income which are not
berkaitan dengan kegiatan pemberian kredit related to lending activities or a specific period
atau suatu jangka waktu diakui dan/atau are recognized as revenues on the transaction
terkait dengan pemberian suatu jasa, sebagai date as other operating income.
pendapatan pada saat terjadinya transaksi
dan dicatat pada akun pendapatan
operasional lainnya.
Beban provisi dan komisi lainnya sehubungan The expenses of the fees and commissions
dengan transaksi antar bank diakui sebagai relating to inter-bank transactions are
beban pada saat jasa tersebut diterima. recognized as an expense when the services
are received.
Apabila pinjaman diselesaikan sebelum jatuh If the loan is settled before maturity, the
tempo, maka saldo pendapatan provisi dan unamortised fees and commissions income is
komisi yang belum diamortisasi diakui pada recognized when the loan settled.
saat pinjaman diselesaikan.
2.y. Beban Operasional Lainnya 2.y. Other Operating Expenses
i. Beban Tenaga Kerja i. Personnel Expenses
Beban tenaga kerja meliputi beban berupa Personnel expense includes expenses
gaji karyawan, bonus, lembur, tunjangan, related with salaries for employees,
dan pelatihan. bonuses, overtime, allowances, and
training.
45
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
ii. Beban Umum dan Administrasi ii. General and Administrative Expenses
Beban umum dan administrasi merupakan General and administrative expenses
beban yang timbul sehubungan dengan represent expenses which relate to office
aktivitas kantor dan operasional Bank. activities and the Bank operational
activities.
2.z. Pajak Penghasilan 2.z. Income Taxes
Beban pajak adalah jumlah gabungan pajak Tax expense is the aggregate amount included
kini dan pajak tangguhan yang diperhitungkan in the determination of profit or loss for the
dalam menentukan laba rugi pada suatu year in respect of current tax and deferred tax.
tahun. Pajak kini dan pajak tangguhan diakui Current tax and deferred tax is recognized in
dalam laba rugi, kecuali pajak penghasilan profit or loss, except for income tax arising
yang timbul dari transaksi atau peristiwa yang from transactions or events that are
diakui dalam penghasilan komprehensif lain recognized in other comprehensive income or
atau secara langsung di ekuitas. Dalam hal ini, directly in equity. In this case, the tax is
pajak tersebut masing-masing diakui dalam recognized in other comprehensive income or
penghasilan komprehensif lain atau ekuitas. equity, respectively.
Jumlah pajak kini untuk tahun berjalan dan Current tax for current and prior years shall, to
tahun sebelumnya yang belum dibayar diakui the extent unpaid, be recognized as a liability.
sebagai liabilitas. Jika jumlah pajak yang telah If the amount already paid in respect of current
dibayar untuk tahun berjalan dan periode- and prior years exceeds the amount due for
periode sebelumnya melebihi jumlah pajak those years, the excess shall be recognized as
yang terutang untuk tahun tersebut, maka an asset.
kelebihannya diakui sebagai aset.
Liabilitas (aset) pajak kini untuk tahun berjalan Current tax liabilities (assets) for the current
dan tahun sebelumnya diukur sebesar jumlah and prior years shall be measured at the
yang diperkirakan akan dibayar kepada amount expected to be paid to (recovered
(direstitusi dari) otoritas perpajakan, yang from) the taxation authorities, using the tax
dihitung menggunakan tarif pajak (dan rates (and tax laws) that have been enacted or
undang-undang pajak) yang telah berlaku atau substantively enacted by the end of the
secara substantif telah berlaku pada akhir reporting year.
tahun pelaporan.
Manfaat terkait dengan rugi pajak yang dapat Tax benefits relating to tax loss that can be
ditarik untuk memulihkan pajak kini dari tahun carried back to recover current tax of a
sebelumnya diakui sebagai aset. Aset pajak previous years is recognized as an asset.
tangguhan diakui untuk akumulasi rugi pajak Deferred tax asset is recognized for the carry
belum dikompensasi dan kredit pajak belum forward of unused tax losses and unused tax
dimanfaatkan sepanjang kemungkinan besar credit to the extent that it is probable that
laba kena pajak masa depan akan tersedia future taxable profit will be available against
untuk dimanfaatkan dengan rugi pajak belum which the unused tax losses and unused tax
dikompensasi dan kredit pajak belum credits can be utilized.
dimanfaatkan.
Seluruh perbedaan temporer kena pajak Deferred tax liability shall be recognized for all
diakui sebagai liabilitas pajak tangguhan, taxable temporary differences, except to the
kecuali perbedaan temporer kena pajak yang extent that the deferred tax liability arises from:
berasal dari:
a. Pengakuan awal goodwill; atau a. The initial recognition of goodwill; or
b. Pengakuan awal aset atau liabilitas dari b. The initial recognition of an asset or liability
transaksi yang bukan kombinasi bisnis in a transaction which is not a business
dan pada saat transaksi tidak combination and at the time of the
memengaruhi laba akuntansi atau laba transaction, affects neither accounting
kena pajak (rugi pajak). profit nor taxable profit (tax loss).
46
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Aset pajak tangguhan diakui untuk seluruh A deferred tax asset shall be recognized for all
perbedaan temporer dapat dikurangkan deductible temporary differences to the extent
sepanjang kemungkinan besar laba kena that it is probable that taxable profit will be
pajak akan tersedia sehingga perbedaan available against which the deductible
temporer dapat dimanfaatkan untuk temporary difference can be utilized, unless
mengurangi laba dimaksud, kecuali jika aset the deferred tax asset arises from the initial
pajak tangguhan timbul dari pengakuan awal recognition of an asset or liability in a
aset atau pengakuan awal liabilitas dalam transaction that is not a business combination
transaksi yang bukan kombinasi bisnis dan and at the time of the transaction affects
pada saat transaksi tidak memengaruhi laba neither accounting profit nor taxable profit (tax
akuntansi atau laba kena pajak (rugi pajak). loss).
Aset dan liabilitas pajak tangguhan diukur Deferred tax assets and liabilities are
dengan menggunakan tarif pajak yang measured at the tax rates that are expected to
diharapkan berlaku ketika aset dipulihkan atau apply to the period when the asset is realized
liabilitas diselesaikan, berdasarkan tarif pajak or the liability is settled, based on tax rates
(dan peraturan pajak) yang telah berlaku atau (and tax laws) that have been enacted or
secara substantif telah berlaku pada akhir substantively enacted by the end of the
periode pelaporan. reporting period.
Pengukuran aset dan liabilitas pajak The measurement of deferred tax liabilities
tangguhan mencerminkan konsekuensi pajak and deferred tax assets shall reflect the tax
yang sesuai dengan cara Bank consequences that would follow from the
memperkirakan, pada akhir periode pelaporan, manner in which the Bank expects, at the end
untuk memulihkan atau menyelesaikan jumlah of the reporting period, to recover or settle the
tercatat aset dan liabilitasnya. carrying amount of its assets and liabilities.
Jumlah tercatat aset pajak tangguhan ditelaah The carrying amount of a deferred tax asset
ulang pada akhir periode pelaporan. Bank reviewed at the end of each reporting period.
mengurangi jumlah tercatat aset pajak The Bank shall reduce the carrying amount of
tangguhan jika kemungkinan besar laba kena a deferred tax asset to the extent that it is no
pajak tidak lagi tersedia dalam jumlah yang longer probable that sufficient taxable profit will
memadai untuk mengompensasikan sebagian be available to allow the benefit of part or all of
atau seluruh aset pajak tangguhan tersebut. that deferred tax asset to be utilized. Any such
Setiap pengurangan tersebut dilakukan reduction shall be reversed to the extent that it
pembalikan atas aset pajak tangguhan hingga becomes probable that sufficient taxable profit
kemungkinan besar laba kena pajak yang will be available.
tersedia jumlahnya memadai.
Bank melakukan saling hapus aset pajak The Bank offsets deferred tax assets and
tangguhan dan liabilitas pajak tangguhan jika deferred tax liabilities if, and only if:
dan hanya jika:
a. Bank memiliki hak yang dapat dipaksakan a. The Bank has a legally enforceable right to
secara hukum untuk melakukan saling set off current tax assets against current
hapus aset pajak kini terhadap liabilitas tax liabilities; and
pajak kini; dan
b. Aset pajak tangguhan dan liabilitas pajak b. The deferred tax assets and the deferred
tangguhan terkait dengan pajak tax liabilities relate to income taxes levied
penghasilan yang dikenakan oleh otoritas by the same taxation authority on either:
perpajakan yang sama atas:
i. Entitas kena pajak yang sama; atau i. The same taxable entity; or
47
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
ii. Entitas kena pajak yang berbeda yang ii. Different taxable entities which
bermaksud untuk memulihkan aset intend either to settle current
dan liabilitas pajak kini dengan dasar tax liabilities and assets on a net
neto, atau merealisasikan aset dan basis, or to realize the assets and
menyelesaikan liabilitas secara settle the liabilities simultaneously,
bersamaan, pada setiap periode masa in each future period in which
depan dimana jumlah signifikan atas significant amounts of deferred
aset atau liabilitas pajak tangguhan tax liabilities or assets are expected
diperkirakan untuk diselesaikan atau to be settled or recovered.
dipulihkan.
Bank melakukan saling hapus atas aset pajak The Bank offsets current tax assets and
kini dan liabilitas pajak kini jika dan hanya jika, current tax liabilities if, and only if, the Bank:
Bank:
a. Memiliki hak yang dapat dipaksakan a. Has legally enforceable right to set off the
secara hukum untuk melakukan saling recognized amounts; and
hapus atas jumlah yang diakui; dan
b. Bermaksud untuk menyelesaikan dengan b. Intends either to settle on a net basis, or to
dasar neto atau merealisasikan aset realize the assets and settle liabilities
dan menyelesaikan liabilitas secara simultaneously.
bersamaan.
2.aa. Imbalan Kerja 2.aa. Employee Benefits
Imbalan Kerja Jangka Pendek Short-term Employee Benefits
Imbalan kerja jangka pendek diakui ketika Short-term employee benefits are recognized
pekerja telah memberikan jasanya dalam when an employee has rendered service
suatu periode akuntansi, sebesar jumlah tidak during accounting period, at the undiscounted
terdiskonto dari imbalan kerja jangka pendek amount of short-term employee benefits
yang diharapkan akan dibayar sebagai expected to be paid in exchange for that
imbalan atas jasa tersebut. service.
Imbalan kerja jangka pendek mencakup Short term employee benefits include such as
antara lain upah, gaji, dan bonus. wages, salaries, and bonus.
Imbalan Pascakerja dan imbalan kerja jangka Post-employment Benefits and other long-term
panjang lainnya employee benefits
Imbalan pascakerja seperti pensiun, uang Post-employment benefits such as retirement,
pisah, dan uang penghargaan masa kerja severance, and service payments are
dihitung sesuai dengan Undang-Undang calculated inaccordance with the applicable
Ketenagakerjaan yang berlaku. Manpower Law.
Imbalan kerja jangka panjang lainnya seperti Other long-term employee benefits such as
cuti besar dihitung dan diakui sesuai dengan long-term leave are calculated and recognized
ketentuan yang berlaku. in accordance with the applicable regulations.
Bank mengakui jumlah liabilitas imbalan pasti The Bank recognizes the amount of the net
neto sebesar nilai kini kewajiban imbalan pasti defined benefit liability at the present value of
pada akhir periode pelaporan dikurangi the defined benefit obligation at the end of the
nilai wajar aset program yang dihitung oleh reporting period less the fair value of plan
aktuaris independen dengan menggunakan assets which calculated by independent
metode Projected Unit Credit. Nilai kini actuaries using the Projected Unit Credit
liabilitas imbalan pasti ditentukan dengan method. Present value benefit obligation
mendiskontokan imbalan tersebut. determine by discounting the benefit.
48
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Bank mencatat tidak hanya kewajiban hukum The Bank accounts not only for its legal
berdasarkan persyaratan formal program obligation under the formal terms of a defined
imbalan pasti, tetapi juga kewajiban konstruktif benefit plan, but also for any constructive
yang timbul dari praktik informal entitas. obligation that arises from the entity’s informal
practices.
Biaya jasa kini, biaya jasa lalu dan keuntungan Current service cost, past service cost and
atau kerugian atas penyelesaian, serta bunga gain or loss on settlement, and net interest on
neto atas liabilitas (aset) imbalan pasti neto the net defined benefit liability (asset) are
diakui dalam laba rugi. recognized in profit or loss.
Pengukuran kembali atas liabilitas (aset) The remeasurement of the net defined benefit
imbalan pasti neto yang terdiri dari liability (asset) comprises actuarial gains and
keuntungan dan kerugian aktuarial, imbal hasil losses, the return on plan assets, and any
atas aset program, dan setiap perubahan change in effect of the asset ceiling are
dampak batas atas aset diakui sebagai recognized in other comprehensive income.
penghasilan komprehensif lain.
Pesangon Termination Benefits
Bank mengakui pesangon sebagai liabilitas The Bank recognizes a liability and expense
dan beban pada tanggal yang lebih awal di for termination benefits at the earlier of the
antara: following dates:
a. Ketika Bank tidak dapat lagi menarik a. When the Bank can no longer withdraw the
tawaran atas imbalan tersebut; dan offer of those benefits; and
b. Ketika Bank mengakui biaya untuk b. When the Bank recognizes costs for a
restrukturisasi yang berada dalam ruang restructuring that is within the scope of
lingkup PSAK 57 dan melibatkan PSAK 57 and involves payment of
pembayaran pesangon. termination benefits.
Bank mengukur pesangon pada saat The Bank measures termination benefits on
pengakuan awal, mengukur, dan mengakui initial recognition, measures, and recognizes
perubahan selanjutnya, sesuai dengan sifat subsequent changes, in accordance with the
imbalan kerja. nature of the employee benefits.
2.bb. Segmen Operasi 2.bb. Operating Segment
Bank menyajikan segmen operasi The Bank presented operating segments
berdasarkan informasi keuangan yang based on the financial information used by the
digunakan oleh pengambil keputusan chief operating decision maker in assessing
operasional dalam menilai kinerja segmen dan the performance of segments and in the
menentukan alokasi sumber daya yang allocation of resources. The segments are
dimilikinya. Segmentasi berdasarkan aktivitas based on the activities of each of the operating
dari setiap kegiatan operasi entitas legal di legal entities within the Bank.
dalam Bank.
Segmen operasi adalah suatu komponen dari An operating segment is a component of the
entitas: entity:
• Yang terlihat dalam aktivitas bisnis yang • That engages in business activities from
memperoleh pendapatan dan which it may earn revenues and incur
menimbulkan beban (termasuk expenses (including revenues and
pendapatan dan beban yang terkait expenses relating to the transactions with
dengan transaksi dengan komponen lain other components of the same entity);
dari entitas yang sama);
49
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
• Hasil operasinya dikaji ulang secara • Whose operating results are regularly
berkala oleh kepala operasional untuk reviewed by chief operating decision maker
pembuatan keputusan tentang sumber to make decisions about resources to be
daya yang dialokasikan pada segmen allocated to the segment and assesses its
tersebut dan menilai kinerjanya; dan performance; and
• Tersedia informasi keuangan yang dapat • For which separate financial information is
dipisahkan. available.
2.cc. Laba per Saham 2.cc. Earnings per Share
Laba per saham dasar dihitung dengan Basic earnings per share is computed by
membagi laba atau rugi yang dapat dividing the profit or loss attributable to
diatribusikan kepada pemegang saham biasa ordinary equity holders by the weighted
dengan jumlah rata-rata tertimbang saham average number of ordinary shares
biasa yang beredar dalam suatu periode. outstanding during the period.
3. Sumber Ketidakpastian Estimasi dan 3. Source of Estimation Uncertainty and
Pertimbangan Akuntansi Accounting Judgment
Beberapa estimasi dan asumsi dibuat dalam Certain estimates and assumption are made in
rangka penyusunan laporan keuangan the presentation of the financial statements
membutuhkan pertimbangan manajemen requires management judgement in
dalam menentukan metodologi yang tepat determining the appropriate methodology for
untuk penilaian aset dan liabilitas. valuation of assets and liabilities.
Manajemen membuat estimasi dan asumsi Management makes estimates and
yang berimplikasi pada pelaporan nilai aset assumptions that affect the reported amounts
dan liabilitas atas tahun keuangan satu tahun of assets and liabilities within the next financial
ke depan. Semua estimasi dan asumsi yang year. All estimates and assumptions required
diharuskan oleh PSAK adalah estimasi terbaik in conformity with PSAK are best estimates
yang didasarkan standar yang berlaku. undertaken in accordance with the applicable
Estimasi dan pertimbangan dievaluasi secara standard. Estimates and judgements are
terus menerus dan berdasarkan pengalaman evaluated on a continuous basis and are
masa lalu dan faktor-faktor lain termasuk based on past experience and other factors,
harapan atas kejadian yang akan datang. including expectations with regards to future
events.
Sumber utama ketidakpastian estimasi Key sources of estimation uncertainty
Walaupun estimasi dan asumsi ini dibuat Although these estimates and assumption are
berdasarkan pengetahuan terbaik manajemen based on management’s best knowledge of
atas kejadian dan tindakan saat ini, hasil yang current events and activities, actual result may
timbul mungkin berbeda dengan estimasi dan differ from those estimates and assumptions.
asumsi semula.
a. Nilai Wajar atas Instrumen Keuangan a. Fair Value of Financial Instruments
Evaluasi atas kerugian penurunan nilai Evaluation of impairment losses on
aset keuangan yang dicatat pada biaya financial assets carried at amortised cost
perolehan diamortisasi dan efek utang and debt securities classified as fair value
yang diklasifikasikan sebagai nilai wajar to other comprehensive income are
melalui pendapatan komprehensif lain described in Note 2.e.
dijelaskan di Catatan 2.e.
50
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Cadangan kerugian penurunan nilai terkait Allowance for impairment losses related to
dengan pihak lawan spesifik dalam seluruh a specific counterparty as part of the entire
cadangan kerugian penurunan nilai allowance for impairment losses are
dibentuk atas tagihan yang penurunan established for receivables that are
nilainya dievaluasi secara individual individually evaluated for impairment
berdasarkan estimasi terbaik manajemen based on management's best estimate of
atas nilai tunai arus kas yang diharapkan the present value of cash flows expected
akan diterima. Dalam menghitung to be received. In calculating the allowance
cadangan kerugian penurunan nilai, for impairment losses, management
manajemen membuat pertimbangan considers of the financial condition of the
mengenai kondisi keuangan dari pihak counterparty and the net realizable value
lawan dan nilai neto yang dapat direalisasi of the collateral received.
dari agunan yang diterima.
Setiap aset yang mengalami penurunan Each impaired asset is evaluated and its
nilai dievaluasi dan strategi settlement strategy and estimation of cash
penyelesaiannya serta estimasi arus kas flows considered recoverable.
yang dinilai dapat diperoleh kembali.
Evaluasi cadangan kerugian penurunan Collectively assessed impairment
nilai secara kolektif meliputi kerugian kredit allowances cover credit losses inherent in
yang melekat pada portofolio tagihan portfolios with similar economic
dengan karakteristik ekonomi yang serupa characteristics when there is objective
ketika terdapat kenaikan risiko kredit yang evidence to suggest the impairments are
signifikan atau terdapat bukti objektif exist within the portfolio, but the individual
bahwa telah terjadi penurunan nilai tagihan impaired items cannot yet be identified. In
dalam portofolio tersebut, namun determining the need to establish
penurunan nilai secara individu belum allowance for collective impairment,
dapat diidentifikasi. Dalam menentukan management considers factors such as
perlunya untuk membentuk cadangan credit quality, size of portfolio, credit
kerugian penurunan nilai secara kolektif, concentrations, and economic factors.
manajemen mempertimbangkan faktor-
faktor seperti kualitas kredit, besarnya
portofolio, konsentrasi kredit, dan faktor-
faktor ekonomi.
Dalam mengestimasi cadangan yang In estimating the required allowance, the
dibutuhkan, asumsi-asumsi dibuat untuk assumptions made to determine default
menentukan model kerugian ekspektasian and loss model and to determine the
dan untuk menentukan parameter input required input parameters which are based
yang diperlukan berdasarkan pengalaman on historical experience, current economic
historis, kondisi ekonomi saat ini, dan conditions, and future economic conditions
prakiraan kondisi ekonomi di masa (forecasting). The accuracy of this
mendatang (forecasting). Ketepatan dari allowance depends on how precise the
cadangan ini bergantung pada seberapa estimated future cash flows to determine
tepat estimasi arus kas masa depan untuk the individual allowance and the model
menentukan cadangan individual serta assumptions and parameters used in
asumsi model dan parameter yang determining collective allowance.
digunakan dalam penentuan cadangan
kolektif.
51
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
b. Cadangan Kerugian Penurunan Nilai b. Allowance for Impairment Losses of
Aset Keuangan Financial Assets
Aset keuangan yang dicatat berdasarkan Financial assets accounted at amortized
biaya perolehan diamortisasi dievaluasi cost are evaluated for impairment on a
penurunan nilainya sesuai dengan basis described in Note 2.e.
Catatan 2.e.
Kondisi spesifik counterparty yang In the calculation of allowance for
mengalami penurunan nilai dalam impairment losses on financial assets, the
pembentukan cadangan kerugian atas specific condition of impaired counterparty
aset keuangan dievaluasi secara individu is individually evaluated based on
berdasarkan estimasi terbaik manajemen management's best estimate of the
atas nilai kini arus kas yang diharapkan present value of the expected cash flows
akan diterima. Dalam mengestimasi arus to be received. In estimating these cash
kas tersebut, manajemen membuat flows, management makes judgements
pertimbangan tentang situasi keuangan about the counterparty's financial situation
counterparty dan nilai realisasi bersih dari and the net realizable value of any
setiap agunan. Setiap aset yang underlying collateral. Each impaired asset
mengalami penurunan nilai dinilai sesuai is assessed on its merits, and the workout
dengan manfaat yang ada, dan strategi strategy and estimated cash flows
penyelesaian serta estimasi arus kas yang considered recoverable.
diperkirakan dapat diterima.
Perhitungan cadangan penurunan nilai Collectively assessed impairment
kolektif meliputi kerugian kredit yang allowances cover credit losses inherent in
melekat dalam portofolio aset keuangan portfolios of financial assets with similar
dengan karakteristik ekonomi yang sama economic characteristics when there is
ketika terdapat bukti objektif penurunan objective evidence to suggest that they
nilai terganggu, tetapi penurunan nilai contain impaired financial assets, but the
secara individu belum dapat diidentifikasi. individual impaired items cannot yet be
Dalam menilai kebutuhan untuk cadangan identified. In assessing the need for
kolektif, manajemen mempertimbangkan collective allowances, management
faktor-faktor seperti kualitas kredit dan considers factors such as credit quality
jenis produk. and type of product.
Guna membuat estimasi cadangan yang In order to estimate the required
diperlukan, manajemen membuat asumsi allowance, assumptions are made to
untuk menentukan kerugian yang melekat, define the way inherent losses are
dan untuk menentukan parameter input modelled and to determine the required
yang diperlukan, berdasarkan pengalaman input parameters, based on historical
masa lalu dan kondisi ekonomi saat ini. experiences and current economic
Keakuratan penyisihan tergantung pada conditions. The accuracy of the allowances
seberapa baik estimasi arus kas masa depends on how well these estimated
depan untuk cadangan counterparty future cash flows for specific counterparty
tertentu dan asumsi model dan parameter allowances and the model assumptions
yang digunakan dalam menentukan and parameters used in determining
cadangan kolektif (jumlah cadangan collective allowances (the amount of
kerugian disajikan dalam Catatan 30). allowance for impairment loss is presented
in Note 30).
52
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
c. Estimasi Umur Manfaat Aset Tetap c. Estimated Useful Lifes of Fixed Assets
Manajemen melakukan penelahaan Management conducts periodic reviews of
berkala atas masa manfaat ekonomis aset the economic useful life of fixed assets
tetap berdasarkan faktor-faktor seperti based on factors such as physical and
kondisi fisik dan teknis. Hasil operasi di technical conditions. Future operating
masa depan akan dipengaruhi secara results will be materially affected by
material atas perubahan estimasi ini yang changes in these estimates resulting from
diakibatkan oleh perubahan faktor yang changes in the factors mentioned above
telah disebutkan di atas (Catatan 11). (Note 11).
d. Imbalan Kerja d. Employment Benefits
Perhitungan aktuaria menggunakan Actuarial calculations using assumptions
asumsi-asumsi seperti tingkat diskonto, such as discount rates, investment returns,
tingkat pengembalian investasi, tingkat salary increase rate, death rate, rate of
kenaikan gaji, tingkat kematian, tingkat resignation, and others (Notes 2.aa
pengunduran diri, dan lain-lain (Catatan and 35). Changes in these assumptions
2.bb dan 35). Perubahan asumsi ini akan will affect the value of the pension
mempengaruhi nilai liabilitas pensiun. liabilities.
Bank menentukan tingkat diskonto yang The Bank determines the appropriate
sesuai pada akhir periode pelaporan, yakni discount rate at the end of the reporting
tingkat suku bunga yang harus digunakan period, the interest rate that should be
untuk menentukan nilai kini arus kas used to determine the present value of
keluar masa depan estimasian yang future cash flows expected estimation to
diharapkan untuk menyelesaikan liabilitas resolve pension liabilities. In determining
pensiun. Dalam menentukan tingkat suku the appropriate level of interest rates, the
bunga yang sesuai, Bank Bank considers the interest rates of
mempertimbangkan tingkat suku bunga government bonds that are denominated in
obligasi pemerintah yang didenominasikan the currency of the consideration will be
dalam mata uang imbalan akan dibayar paid and that have terms to maturity
dan memiliki jangka waktu yang serupa similar to the period of the related pension
dengan jangka waktu liabilitas pensiun liability. Other main assumptions of
yang terkait. Asumsi utama liabilitas pension liabilities are partly determined
pensiun lainnya sebagian ditentukan based on current market conditions.
berdasarkan kondisi pasar saat ini.
Penjelasan lebih rinci diungkapkan dalam Further details are disclosed in Note 35.
Catatan 35.
e. Pajak Tangguhan e. Deferred Tax
Pajak tangguhan diakui atas jumlah pajak Deferred tax are recognized for over the
penghasilan terpulihkan (recoverable) future recoverable taxable income arising
pada periode mendatang sebagai akibat from deductible temporary difference.
perbedaan temporer yang boleh Management’s judgment is required to
dikurangkan. Pertimbangan manajemen determine the amount of deferred tax
diperlukan untuk menentukan jumlah aset assets that can be recognized based upon
pajak tangguhan yang dapat diakui sesuai the likely timing on level of future taxable
dengan waktu yang tepat dan tingkat laba profits together with future tax planning
fiskal di masa mendatang sejalan dengan strategies.
strategi rencana perpajakan ke depan.
53
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
f. Pajak Penghasilan f. Income Taxes
Pertimbangan signifikan diperlukan Significant judgement is required in
dalam menentukan provisi perpajakan. determining the provision for taxes. Bank
Bank menentukan provisi perpajakan provide for tax provision based on
berdasarkan estimasi atas kemungkinan estimates whether the additional taxes will
adanya tambahan beban pajak. Jika hasil be due. Where the final tax outcome of
akhir dari hal ini berbeda dengan jumlah these matters is different from the amounts
yang dicatat semula, maka perbedaan that were initially recorded, such
tersebut akan berdampak terhadap differences will impact the profit/loss.
laba/rugi.
4. Kas 4. Cash
2023 2022
Rp Rp
Rupiah 150,114 184,017 Rupiah
Mata Uang Asing Foreign Currencies
Dolar Amerika Serikat 4,638 2,863 United States Dollar
Dolar Singapura 1,321 1,723 Singapore Dollar
Euro 408 310 Euro
Dolar Australia 184 203 Australia Dollar
Yuan China 171 305 China Yuan
Dolar Hongkong 290 158 Hongkong Dollar
Yen Jepang 139 293 Japan Yen
Won Korea 32 20 Korea Won
Jumlah 157,297 189,892 Total
Pada tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, cash
2022, saldo kas termasuk kas pada Anjungan balance includes cash in Automatic Teller
Tunai Mandiri (ATM) masing-masing sebesar Machines (ATM) amounted to Rp12,223 and
Rp12.223 dan Rp11.568. Rp11,568, respectively.
Pada tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022,
2022, manajemen berkeyakinan bahwa management believes that all cash can be
seluruh saldo kas dapat digunakan dan tidak used and no cash balance as collateral.
terdapat saldo kas yang dijaminkan.
5. Giro pada Bank Indonesia 5. Current Accounts with Bank Indonesia
2023 2022
Rp Rp
Rupiah 1,103,879 1,008,098 Rupiah
Dolar Amerika Serikat 50,581 30,904 United States Dollar
Jumlah 1,154,460 1,039,002 Total
Bank dipersyaratkan untuk memiliki Giro Wajib The Bank is required to maintain minimum
Minimum (GWM) dalam mata uang Rupiah statutory reserves (GWM) in Rupiah for
dalam kegiatannya sebagai bank umum, serta commercial banking, and statutory reserves in
GWM dalam mata uang asing dalam foreign currencies for foreign exchange
kegiatannya melakukan transaksi mata uang transactions.
asing.
54
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Rasio Giro Wajib Minimum (GWM) Pada The minimum statutory reserves ratio (GWM)
tanggal 31 Desember 2023 dan 2022 adalah as of December 31, 2023 and 2022 are as
sebagai berikut: follows:
2023 2022
% %
Rupiah Rupiah
- Giro Wajib Minimum 6.79 **) 7.36 *) - Minimum Statutory Reserves
- Giro Wajib Minimum Secara Harian 0.00 0.00 - Daily Minimum Statutory Reserves
- Giro Wajib Minimum Secara Rata-rata 7.16 7.36 - Average Minimum Statutory Reserves
Valuta Asing Foreign Currency
- Giro Wajib Minimum 4.13 4.21 - Minimum Statutory Reserves
- Giro Wajib Minimum Secara Harian 2.00 2.00 - Daily Minimum Statutory Reserves
- Giro Wajib Minimum Secara Rata-rata 2.13 2.21 - Average Minimum Statutory Reserves
Penyangga Likuiditas Makroprudensial Macroprudential Liquidity Reserve
(d/h Giro Wajib Minimum (Previously Secondary Minimum
Sekunder) 16.99 16.60 Statutory Reserves)
*) Pada tanggal 31 Desember 2022 Bank mendapatkan *) As of December 31, 2022 the Bank received an
insentif dari Bank Indonesia sebesar 1,70%, sehingga incentive from Bank Indonesia of 1.70%, so that the
minimum pemenuhan GWM sebesar 7,30%. minimum GWM fulfillment is 7.30%.
**) Pada tanggal 31 Desember 2023 Bank mendapatkan **) As of December 31, 2023 the Bank received an
insentif dari Bank Indonesia sebesar 2,30%, sehingga incentive from Bank Indonesia of 2.30%, so that the
minimum pemenuhan GWM sebesar 6,70%. minimum GWM fulfillment is 6.70%.
Rasio GWM pada tanggal 31 Desember 2023 The calculation of the GWM ratio as of
dan 2022 dihitung berdasarkan Peraturan December 31, 2023 and 2022 is based on
Bank Indonesia (PBI) Nomor 20/3/PBI/2018 Bank Indonesia regulation (PBI)
tanggal 29 Maret 2018 Tentang Giro Wajib No. 20/3/PBI/2018 dated March 29, 2018
Minimum dalam Rupiah dan Valuta Asing Bagi concerning Statutory Reserves for Commercial
Bank Umum Konvensional, Bank Umum Banks in Rupiah and Foreign Exchange for
Syariah, dan Unit Usaha Syariah Conventional Commercial Banks, Sharia
sebagaimana telah diubah beberapa kali Commercial Banks, and Sharia Business Units
dengan PBI No. 22/3/PBI/2020 tanggal as amended several times with PBI
24 Maret 2020; PBI No. 22/10/PBI/2020 No.22/3/PBI/2020 dated March 24, 2020; PBI
tanggal 28 Juli 2020; PBI No. 23/16/PBI/2021 No. 22/10/PBI/2020 dated July 28, 2020; PBI
tanggal 21 Desember 2021; dan terakhir kali No.23/16/PBI/2021 dated December 21, 2021;
dengan PBI No. 24/4/PBI/2022 tanggal and finally through PBI No. 24/4/PBI/2022
1 Maret 2022 yang dijelaskan melalui dated March 1, 2022 which is explained
Peraturan Anggota Dewan Gubernur (PADG) through the Regulation of Members of
No. 20/10/PADG/2018 tanggal 31 Mei 2018 the Board of Governors (PADG)
Tentang Giro Wajib Minimum dalam Rupiah No. 20/10/PADG/2018 dated May 31, 2018
dan Valuta Asing Bagi Bank Umum concerning Statutory Reserves for Commercial
Konvensional, Bank Umum Syariah, dan Unit Banks in Rupiah and Foreign Exchange for
Usaha Syariah sebagaimana telah diubah Conventional Commercial Banks, Sharia
beberapa kali dengan PADG Commercial Banks, and Sharia Business Units
No. 20/30/PADG/2018 tanggal 30 November as amended several times with PADG
2018; PADG No. 21/14/PADG/2019 tanggal No. 20/30/PADG/2018 dated November 30,
26 Juni 2019; PADG No. 21/27/PADG/2019 2018; PADG No. 21/14/PADG/2019 dated
tanggal 26 Desember 2019; PADG June 26, 2019; PADG No.21/27/PADG/2019
No. 22/2/PADG/2020 tanggal 10 Maret 2020; dated December 26, 2019; PADG
PADG No. 22/10/PADG/2020 tanggal 29 April No. 22/2/PADG/2020 dated March 10, 2020;
2020; PADG No. 22/19/PADG/2020 tanggal PADG No. 22/10/PADG 2020 dated April 29,
29 Juli 2020; PADG No. 23/27/PADG/2021 2020; PADG No.22/19/PADG/2020 dated July
tanggal 21 Desember 2021; dan terakhir kali 29, 2020; PADG No. 23/27/PADG/2021 dated
melalui PADG No. 24/3/PADG/2022 tanggal December 21, 2021; and finally through PADG
1 Maret 2022. Serta mengacu pada PADG No. 24/3/PADG/2022 dated March 1, 2022.
No. 24/8/PADG/2022 tanggal 30 Juni 2022 And also refers to PADG No.24/8/PADG/2022
tentang Peraturan Pelaksanaan Pemenuhan dated June 30, 2022 concerning regulations
Giro Wajib Minimum dalam Rupiah dan Valuta for the Fulfillment of Statutory Reserves for
55
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Asing bagi Bank Umum Konvensional, Bank Commercial Banks in Rupiah and Foreign
Umum Syariah, dan Unit Usaha Syariah Exchange for Conventional Commercial
sebagaimana telah diubah beberapa kali Banks, Sharia Commercial Banks, and Sharia
dengan PADG No. 2 Tahun 2023 tanggal 24 Business Units as amended several times with
Maret 2023; dan terakhir kali dengan PADG PADG No. 2 year 2023 dated March 24, 2023;
No. 12 Tahun 2023 tanggal 27 September and the last time through PADG No. 12 year
2023 2023 dated September 27, 2023
Pada tanggal 31 Desember 2023 dan 2022, As December 31, 2023 and 2022, the Bank
Bank juga harus memenuhi PBI must also comply with Bank Indonesia
No. 20/4/PBI/2018 tanggal 3 April 2018 Regulation (PBI) No. 20/4/PBI/2018 dated
tentang Rasio Intermediasi Makroprudensial April 3, 2018 concerning Macroprudential
dan Penyangga Likuiditas Makroprudensial Intermediation Ratios and Macroprudential
bagi Bank Umum Konvensional, Bank Umum Liquidity Buffers for Conventional Commercial
Syariah, dan Unit Usaha Syariah sebagaimana Banks, Sharia Commercial Banks, and Sharia
telah diubah beberapa kali dengan PBI Business Unit which has been amended
No. 21/12/PBI/2019 tanggal 25 November several times with PBI No. 21/12/PBI/2019
2019; PBI No. 22/17/PBI/2020 tanggal dated November 25, 2019; PBI
1 Oktober 2020; PBI No. 23/17/PBI/2021 No. 22/17/PBI/2020 dated October 1, 2020;
tanggal 21 Desember 2021; dan terakhir kali PBI No. 23/17/PBI/2021 dated December 21,
melalui PBI No. 24/16/PBI/2022 tanggal 2021; and finally through PBI
31 Oktober 2022 yang dijelaskan melalui No. 24/16/PBI/2022 dated October 31, 2022
Peraturan Anggota Dewan Gubernur (PADG) which is explained through the Regulation of
No. 21/22/PADG/2019 tanggal 28 November Members of the Board of Governors (PADG)
2019 tentang tentang Rasio Intermediasi No. 21/22/PADG/2019 dated November 28,
Makroprudensial dan Penyangga Likuiditas 2019 concerning Macroprudential
Makroprudensial bagi Bank Umum Intermediation Ratios and Macroprudential
Konvensional, Bank Umum Syariah, dan Unit Liquidity Buffers for Conventional Commercial
Usaha Syariah yang telah diubah beberapa Banks, Sharia Commercial Banks and Sharia
kali dengan PADG No. 21/11/PADG/2020 Business Units which has been amended
tanggal 29 April 2020; PADG several times with PADG
No. 22/30/PADG/2020 tanggal 5 Oktober No. 21/11/PADG/2020 dated April 29, 2020;
2020; PADG No. 23/7/PADG/2021 tanggal 26 PADG No. 22/30/PADG/2020 dated October 5,
April 2021; PADG No. 23/31/PADG/2021 2020; PADG No. 23/7/PADG/2021 dated April
tanggal 31 Desember 2021; PADG 26, 2021; PADG No. 23/31/PADG/2021 dated
No. 24/14/PADG/2022 tanggal 31 Oktober December 31, 2021; PADG
2022; PADG No. 10 Tahun 2023 tanggal No. 24/14/PADG/2022 dated October 31,
14 September 2023; dan terakhir kali dengan 2022; PADG Number 10 of 2023 dated
PADG No. 18 Tahun 2023 tanggal September 14, 2023, and was last amended
29 November 2023. by PADG Number 18 of 2023 dated November
29, 2023.
56
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Pada tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, based on
2022, sesuai dengan ketentuan Bank the above Bank Indonesia regulations, The
Indonesia tersebut di atas, Bank harus Bank is required to maintain primary GWM in
memenuhi persyaratan GWM Utama dalam Rupiah amounting to 9.00% and 9.00%
Rupiah masing-masing sebesar 9,00% dan respectively, while GWM for foreign currency
9,00%, sedangkan untuk mata uang asing amounting to 4.00% and 4.00% respectively.
masing-masing sebesar 4,00% dan 4,00%. For Macroprudential Liquidity Buffers (PLM)
Untuk Penyangga Likuiditas Makroprudensial amounting to 5.00% and 6.00% in Rupiah as
(PLM) adalah sebesar 5,00% dan 6,00% of December 31, 2023 and 2022, respectively.
dalam Rupiah masing-masing pada tanggal
31 Desember 2023 dan 2022.
GWM primer adalah simpanan minimum yang Primary Statutory Reserves is a minimum
wajib dipenuhi oleh Bank dalam bentuk saldo deposit that must be met by Banks in the form
rekening giro pada Bank Indonesia. of a checking account balance with Bank
Penyangga Likuiditas Makroprudensial Indonesia. Macroprudential Liquidity Buffers
(dahulu GWM sekunder) adalah cadangan (formerly secondary Statutory Reserves) are
minimum yang wajib dipelihara oleh Bank minimum reserves that must be maintained by
berupa Sertifikat Bank Indonesia (SBI), Surat Banks in the form of Bank Indonesia
Utang Negara (SUN), dan Surat Berharga Certificates (SBI), Government Securities
Syariah Negara (SBSN). GWM Rasio (SUN), and State Sharia Securities (SBSN).
Intermediasi Makroprudensial (RIM) (dahulu The Macroprudential Intermediation Ratio
GWM LFR) adalah tambahan simpanan (RIM) (formerly LFR Statutory Reserve) is an
minimum yang wajib dipenuhi oleh Bank additional minimum deposit that must be met
dalam bentuk saldo rekening giro pada Bank by the Bank in the form of a current account
Indonesia, jika RIM Bank di bawah minimum with Bank Indonesia, if the Bank's RIM is
RIM target Bank Indonesia (84%) atau jika di below the minimum RIM target of Bank
atas maksimum RIM target Bank Indonesia Indonesia (84%) or if it is above the maximum
(94%) dan Kewajiban Penyediaan Modal RIM Bank Indonesia's target (94%) and Bank
Minimum (KPMM) Bank lebih kecil dari KPMM Indonesia's Minimum Capital Adequacy
Insentif Bank Indonesia sebesar 14%. Requirement (CAR) is lower than the Bank
Indonesia Incentive CAR of 14%.
Bank telah memenuhi ketentuan Bank The Bank has complied with Bank Indonesia
Indonesia tentang Giro Wajib Minimum Pada regulations concerning the minimum reserve
tanggal 31 Desember 2023 dan 2022. requirements as of December 31, 2023 and
2022.
57
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
6. Giro pada Bank Lain 6. Current Accounts with Other Banks
a. Berdasarkan bank, hubungan, dan mata a. Based on Bank, relationship, and
uang currency
2023 2022
Rp Rp
Pihak Ketiga Third Parties
Rupiah Rupiah
PT Bank Central Asia Tbk 17,155 5,847 PT Bank Central Asia Tbk
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 4,011 2,751 (Persero) Tbk
PT Bank Mandiri (Persero) Tbk 277 265 PT Bank Mandiri (Persero) Tbk
Dolar Amerika Serikat United States Dollar
PT Bank Mandiri (Persero) Tbk 5,744 3,219 PT Bank Mandiri (Persero) Tbk
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 2,021 4,804 (Persero) Tbk
PT Bank Central Asia Tbk 478 3,669 PT Bank Central Asia Tbk
OCBC Bank, Singapura 463 62,057 OCBC Bank, Singapore
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 529 4,667 (Persero) Tbk
Kookmin Bank, Seoul 184 7 Kookmin Bank, Seoul
Dolar Singapura Singapore Dollar
OCBC Bank, Singapura 56,236 80,603 OCBC Bank, Singapore
PT Bank Central Asia Tbk 220 694 PT Bank Central Asia Tbk
Dolar Australia Australian Dollar
OCBC Bank, Singapura 12,704 562 OCBC Bank, Singapore
Euro Euro
OCBC Bank, Singapura 4,426 5,075 OCBC Bank, Singapore
Yuan China Chinese Yuan
PT Bank ICBC Indonesia 2,030 2,406 PT Bank ICBC Indonesia
Yen Jepang Japanese Yen
Mizuho Bank, Tokyo -- 1,394 Mizuho Bank, Tokyo
Dolar Hongkong Hongkong Dollar
OCBC Bank, Singapura 114 34 OCBC Bank, Singapore
106,592 178,054
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (1) (13) impairment losses
Jumlah 106,591 178,041 Total
58
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
b. Tingkat suku bunga b. Interest rate
Tingkat suku bunga rata-rata giro pada The average interest rates on current
bank lain untuk tahun-tahun yang berakhir accounts with other banks for the years
pada tanggal 31 Desember 2023 dan ended December 31, 2023 and 2022 are as
2022 sebagai berikut: follows:
2023 2022
% %
Rupiah 0.00 0.00 Rupiah
Mata Uang Asing 0.00 0.00 Foreign Currencies
c. Berdasarkan kolektibilitas c. By collectability
Pada tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, all
2022, seluruh giro pada bank lain current accounts with other banks were
digolongkan sebagai Lancar. classified as Current.
d. Nilai tercatat bruto dan cadangan d. Gross carrying amount and allowance
kerugian penurunan nilai for impairment losses
Perubahan nilai tercatat bruto adalah The movements in the gross carrying
sebagai berikut: amount are as follows:
31 Desember/ December 31, 2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rp Rp Rp Rp
Nilai tercatat bruto awal 178,054 -- -- 178,054 Initial gross carrying amount
Aset baru 1,782 -- -- 1,782 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (1,394) -- -- (1,394) (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali (72,150) -- -- (72,150) Remeasurement
Penghapusbukuan -- -- -- -- Write off
Valuta asing dan Foreign exchange and
perubahan lain 300 -- -- 300 other movement
Nilai tercatat bruto akhir 106,592 -- -- 106,592 Ending gross carrying amount
31 Desember/ December 31, 2022
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rp Rp Rp Rp
Nilai tercatat bruto awal 457,103 -- -- 457,103 Initial gross carrying amount
Aset baru -- -- -- -- New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) -- -- -- -- (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali (268,099) -- -- (268,099) Remeasurement
Penghapusbukuan -- -- -- -- Write off
Valuta asing dan Foreign exchange and
perubahan lain (10,950) -- -- (10,950) other movement
Nilai tercatat bruto akhir 178,054 -- -- 178,054 Ending gross carrying amount
59
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Perubahan cadangan kerugian penurunan The movements in the allowance for
nilai adalah sebagai berikut: impairment losses are as follows:
31 Desember/ December 31, 2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rp Rp Rp Rp
Saldo awal 13 -- -- 13 Beginning balance
Aset baru -- -- -- -- New assets originated
Aset dihentikan pengakuannya
atau dilunasi (kecuali Assets derecognized
hapus buku) -- -- -- -- or repaid (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali (12) -- -- (12) Remeasurement
Valuta asing dan Foreign exchange and
perubahan lain -- -- -- -- other movement
Saldo akhir 1 -- -- 1 Ending balance
31 Desember/ December 31, 2022
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rp Rp Rp Rp
Saldo awal -- -- -- -- Beginning balance
Aset baru -- -- -- -- New assets originated
Aset dihentikan pengakuannya
atau dilunasi (kecuali Assets derecognized
hapus buku) -- -- -- -- or repaid (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali 13 -- -- 13 Remeasurement
Valuta asing dan Foreign exchange and
perubahan lain -- -- -- -- other movement
Saldo akhir 13 -- -- 13 Ending balance
Manajemen Bank berkeyakinan bahwa The Bank’s management believes that the
jumlah cadangan kerugian penurunan nilai allowance for impairment losses provided
yang dibentuk cukup untuk menutupi is adequate to cover any possible
kemungkinan penurunan nilai giro pada impairment on current account with other
bank lain. bank.
7. Penempatan pada Bank Indonesia dan 7. Placements with Bank Indonesia and Other
Bank Lain Banks
a. Berdasarkan jenis, bank, dan mata uang a. a. Based on type, bank, and currency
b.
2023 2022
Rp Rp
Rupiah Rupiah
Penempatan pada Bank Indonesia Placements with Bank Indonesia
Fasilitas Simpanan Bank Indonesia 1,572,771 924,878 Deposit Facility of Bank Indonesia
Dolar Amerika Serikat United States Dollar
Penempatan pada Bank Indonesia Placements with Bank Indonesia
Term Deposit Bank Indonesia 523,498 700,537 Term Deposit Bank Indonesia
2,096,269 1,625,415
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai -- -- impairment losses
Jumlah 2,096,269 1,625,415 Total
60
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
b. Berdasarkan jangka waktu b. b. Based on time period
Jumlah tercatat penempatan pada Bank Placements with Bank Indonesia and other
Indonesia dan bank lain berdasarkan banks based on time period as of
jangka waktu pada tanggal 31 Desember December 31, 2023 and 2022 are as
2023 dan 2022 adalah sebagai berikut: follows:
2023 2022
Rp Rp
Kurang dari atau sampai
dengan 1 bulan 2,019,284 1,625,415 Less than or up to 1 month
Lebih dari 1 - 3 bulan 76,985 -- More than 1 - 3 months
Jumlah 2,096,269 1,625,415 Total
c. Berdasarkan sisa umur jatuh tempo c. c. Based on the remaining period of
maturity
Jumlah tercatat penempatan pada Bank Placements with Bank Indonesia and other
Indonesia dan bank lain berdasarkan sisa banks based on the remaining period of
umur jatuh tempo berikut: maturity are as follows:
2023 2022
Rp Rp
Kurang dari atau sampai
dengan 1 bulan 2,019,284 1,625,415 Less than or up to 1 month
Lebih dari 1 - 3 bulan 76,985 -- More than 1 - 3 months
Jumlah 2,096,269 1,625,415 Total
d. Berdasarkan tingkat suku bunga d. d. Based on the average interest rates
rata-rata
Tingkat suku bunga rata-rata penempatan The average interest rates on placements
pada Bank Indonesia dan bank lain untuk with Bank Indonesia and other banks
tahun-tahun yang berakhir pada tanggal for the years ended December 31, 2023
31 Desember 2023 dan 2022 adalah and 2022 are as follows:
sebagai berikut:
2023 2022
% %
Rupiah Rupiah
Fasilitas Simpanan Bank Indonesia 5.25 3.13 Bank Indonesia Deposit Facility
Dolar Amerika Serikat United States Dollar
Term Deposit 5.46 1.70 Term Deposit
61
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
e. Nilai tercatat bruto dan cadangan e. Gross carrying amount and allowance
kerugian penurunan nilai for impairment losses
Perubahan nilai tercatat bruto adalah The movements in the gross carrying
sebagai berikut: amount are as follows:
31 Desember/ December 31 , 2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rp Rp Rp Rp
Nilai tercatat bruto awal 1,625,415 -- -- 1,625,415 Initial gross carrying amount
Aset baru -- -- -- -- New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) -- -- -- -- (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali 471,707 -- -- 471,707 Remeasurement
Valuta asing dan Foreign exchange and
perubahan lain (853) -- -- (853) other movement
Nilai tercatat bruto akhir 2,096,269 -- -- 2,096,269 Ending gross carrying amount
31 Desember/ December 31 , 2022
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rp Rp Rp Rp
Nilai tercatat bruto awal 2,168,335 -- -- 2,168,335 Initial gross carrying amount
Aset baru -- -- -- -- New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (842,249) -- -- (842,249) (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali 325,670 -- -- 325,670 Remeasurement
Valuta asing dan Foreign exchange and
perubahan lain (26,341) -- -- (26,341) other movement
Nilai tercatat bruto akhir 1,625,415 -- -- 1,625,415 Ending gross carrying amount
Perubahan cadangan kerugian penurunan The movements in the allowance for
nilai adalah sebagai berikut: impairment losses are as follows:
31 Desember/ December 31 , 2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rp Rp Rp Rp
Saldo awal -- -- -- -- Beginning balance
Aset baru -- -- -- -- New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) -- -- -- -- (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali -- -- -- -- Remeasurement
Valuta asing dan Foreign exchange and
perubahan lain -- -- -- -- other movement
Saldo akhir -- -- -- -- Ending balance
62
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
31 Desember/ December 31 , 2022
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rp Rp Rp Rp
Saldo awal 184 -- -- 184 Beginning balance
Aset baru -- -- -- New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (184) -- -- (184) (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali -- -- -- -- Remeasurement
Valuta asing dan Foreign exchange and
perubahan lain -- -- -- -- other movement
Saldo akhir -- -- -- -- Ending balance
Manajemen Bank berkeyakinan bahwa The Bank’s management believes that the
jumlah cadangan kerugian penurunan nilai allowance for impairment losses provided
yang dibentuk cukup untuk menutupi is adequate to cover any possible
kemungkinan penurunan nilai atas impairment of placement with Bank
penempatan pada Bank Indonesia dan Indonesia and other banks.
bank lain.
f. Penempatan pada bank-bank lain yang f. Placements with other banks pledged
digunakan sebagai jaminan as collateral
Pada tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, there
2022, tidak terdapat penempatan pada are no placements with Bank Indonesia
Bank Indonesia dan bank lain yang and other banks that were pledged and
dijaminkan dan diblokir. blocked.
8. Efek-efek 8. Marketable Securities
a. Berdasarkan tujuan investasi, jenis, dan a. Based on the investment objectives,
mata uang types, and currency
2023 2022
Rp Rp
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain comprehensive income
Rupiah Rupiah
Obligasi pemerintah 861,260 1,199,260 Government bonds
Medium Term Notes (MTN) 300,000 -- Medium Term Notes (MTN)
Premium/(diskonto) yang belum diamortisasi 36,481 11,862 Unamortized premium/(discount)
(Kerugian)/keuntungan yang belum direalisasi (43,254) (48,309) Unrealized (losses)/gain
Nilai tercatat 1,154,487 1,162,813 Carrying amount
Biaya perolehan diamortisasi Amortized cost
Rupiah Rupiah
Obligasi korporasi 15,000 15,000 Corporate bonds
SRBI 1,502,396 -- SRBI
Mata Uang Asing Foreign Currencies
SBVI 84,684 -- SBVI
Premium/(Diskonto) yang belum diamortisasi (780) -- Unamortized premium/(discount)
Nilai tercatat 1,601,300 15,000 Carrying amount
2,755,787 1,177,813
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai -- -- impairment losses
Jumlah 2,755,787 1,177,813 Total
63
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
b. Berdasarkan tujuan investasi, mata b. Based on the investment objectives,
uang, dan penerbit currency, and issuer
2023 2022
Rp Rp
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain comprehensive income
Rupiah Rupiah
Rupiah
Pemerintah Government of
Republik Indonesia 857,880 1,162,813 the Republic of Indonesia
PT Capital Financial PT Capital Financial
Indonesia Tbk 296,607 -- Indonesia Tbk
Sub Jumlah 1,154,487 1,162,813 Sub Total
Biaya perolehan diamortisasi Amortized cost
Rupiah Rupiah
Rupiah
PT Permodalan Nasional PT Permodalan Nasional
Madani (Persero) 15,000 15,000 Madani (Persero)
SRBI 1,502,396 -- SRBI
SVBI 83,904 -- SVBI
Sub Jumlah 1,601,300 15,000 Sub Total
2,755,787 1,177,813
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai -- -- impairment losses
Jumlah 2,755,787 1,177,813 Total
c. Berdasarkan jangka waktu c. Based on time period
2023 2022
Rp Rp
Lebih dari 1 - 5 tahun 315,000 15,000 More than 1 - 5 years
Lebih dari 5 tahun 2,440,787 1,162,813 More than 5 years
2,755,787 1,177,813
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai -- -- impairment losses
Jumlah 2,755,787 1,177,813 Total
d. Berdasarkan sisa umur jatuh tempo d. Based on remaining period of maturity
2023 2022
Rp Rp
Lebih dari 1 - 5 tahun 315,000 15,000 More than 1 - 5 years
Lebih dari 5 tahun 2,440,787 1,162,813 More than 5 years
2,755,787 1,177,813
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai -- -- impairment losses
Jumlah 2,755,787 1,177,813 Total
e. Tingkat suku bunga rata-rata e. The average interest rate
2023 2022
% %
Rupiah Rupiah
Obligasi Pemerintah 6.63 6.53 Government Bonds
Obligasi Korporasi 7.13 6.25 Corporate Bonds
Surat Utang Jangka Menengah 8.00 -- Medium Term Notes (MTN)
f. Berdasarkan jatuh tempo f. Based on maturity
Pada tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022,
2022, tanggal jatuh tempo dan tingkat maturity date and interest rate based on
bunga berdasarkan penerbit untuk efek- issuer for governments bonds and
efek berupa obligasi pemerintah dan corporate bonds are as follows:
obligasi korporasi sebagai berikut:
64
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
31 Desember/ December 31, 2023
Tanggal
Jatuh Tempo/ Bunga/
Maturity Date Rate
Rupiah Rupiah
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain comprehensive income
Pemerintah Government of
Republik Indonesia the Republic of Indonesia
FR0065 15-May-33 6.63% FR0065
FR0075 15-May-38 7.50% FR0075
FR0080 15-Jun-35 7.50% FR0080
FR0087 15-Feb-31 6.50% FR0087
FR0088 15-Jun-36 6.25% FR0088
FR0089 15-Aug-51 6.88% FR0089
FR0091 15-Apr-32 6.38% FR0091
FR0092 15-Jun-42 7.13% FR0092
Korporasi Corporation
PT Capital Financial Indonesia Tbk 17-Nov-24 8.00% PT Capital Financial Indonesia Tbk
Biaya perolehan diamortisasi Amortized cost
Rupiah Rupiah
PT Permodalan Nasional PT Permodalan Nasional
Madani (Persero) 10-Dec-26 6.25% Madani (Persero)
IDSR150324182S 15-Mar-24 6.31% IDO000073101
IDSR140624273S 14-Jun-24 6.40% IDO000073200
IDSR150524182S 15-May-24 6.80% IDO000078209
IDSR170524182S 17-May-24 6.72% IDO000078506
IDSR170524182S 17-May-24 6.73% IDO000078506
IDSR170524182S 17-May-24 6.74% IDO000078506
IDSR160824273S 16-Aug-24 6.86% IDO000078605
IDSR151124364S 15-Nov-24 6.88% IDO000078704
IDSR270524185S 27-May-24 6.72% IDO000079306
IDSR061224364S 06-Dec-24 6.91% IDO000081302
Mata Uang Asing Foreign Currencies
INDOVB022624 26-Feb-24 5.58% IDO000079702
INDOVB0022924 29-Feb-24 5.58% IDO000080700
INDOVB0030724 07-Mar-24 5.63% IDO000078902
30 Desember/ December 31 , 2022
Tanggal
Jatuh Tempo/ Bunga/
Maturity Date Rate
Rupiah Rupiah
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain comprehensive income
Rupiah Rupiah
Pemerintah Government of
Republik Indonesia the Republic of Indonesia
FR0065 15-May-33 6.63% FR0065
FR0075 15-May-38 7.50% FR0075
FR0080 15-Jun-35 7.50% FR0080
FR0087 15-Feb-31 6.50% FR0087
FR0088 15-Jun-36 6.25% FR0088
FR0089 15-Aug-51 6.88% FR0089
FR0091 15-Apr-32 6.38% FR0091
FR0092 15-Jun-42 7.13% FR0092
Biaya perolehan diamortisasi Amortized cost
Rupiah Rupiah
PT Permodalan Nasional PT Permodalan Nasional
Madani (Persero) 10-Dec-26 6.25% Madani (Persero)
65
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
g. Efek-efek yang diukur pada nilai wajar g. Marketable securities measures at fair
melalui penghasilan komprehensif lain values through other comprehensive
didasarkan pada harga pasar efek yang income are based on market prices of
tercatat pada tanggal pelaporan listed securities at the reporting date
Mutasi keuntungan/(kerugian) yang belum Movements of unrealized gains/(losses)
direalisasi akibat kenaikan/(penurunan) resulting from the increase/(decrease) in
nilai wajar efek-efek dicatat sebagai fair value of marketable securities is
bagian komponen ekuitas, sehingga Bank recorded as part of the equity component,
mengakui keuntungan/(kerugian) periode and the Bank recognized current period
berjalan atas perubahan nilai wajar efek- gain/(losses) from changes in fair value of
efek, sedangkan penyesuaian reklasifikasi marketable securities, whereas
atas keuntungan/(kerugian) sudah reclassification adjustment on
termasuk dalam laba rugi. gains/(losses) are included in profit or loss.
Perubahan keuntungan/(kerugian) yang The changes of unrealized gains/(losses)
belum direalisasi atas efek-efek dalam on marketable securities in fair value
kelompok nilai wajar melalui penghasilan through other comprehensive income:
komprehensif lain adalah sebagai berikut:
2023 2022
Rp Rp
Saldo awal (37,681) (4,419) Beginning balance
Perubahan nilai wajar 85,715 (42,644) Changes in fair value
Pajak penghasilan terkait akun- Income tax of related accounts
akun yang akan direklasifikasi which will reclassified
ke laporan laba rugi (18,654) 9,382 to statement of profit or loss
Saldo akhir 29,380
177,360 (37,681) Ending balance
h. Rincian peringkat efek-efek yang h. Ratings of marketable securities owned
dimiliki Bank dari PT Pemeringkat Efek by the Bank based on PT Pemeringkat
Indonesia, Moody’s, dan Kredit Rating Efek Indonesia, Moody’s, and Kredit
Indonesia adalah sebagai berikut: Rating Indonesia are as follows:
2023 2022
Moody's Moody's
Pemerintah Government of
Republik Indonesia Baa3 Baa3 the Republic of Indonesia
PT Pemeringkat Efek Indonesia PT Pemeringkat Efek Indonesia
PT Permodalan Nasional PT Permodalan Nasional
Madani (Persero) AA AA Madani (Persero)
Kredit Rating Indonesia Kredit Rating Indonesia
PT Capital Financial PT Capital Financial
Indonesia Tbk A- -- Indonesia Tbk
i. Pada tanggal 31 Desember 2023 dan i. As of December 31, 2023 and 2022, all
2022, seluruh efek-efek digolongkan marketable securities were classified as
sebagai Lancar. Current.
j. Pada tanggal 31 Desember 2023 dan j. As of December 31, 2023 and 2022,
2022, tidak terdapat efek-efek dari pihak there were no marketable securities from
berelasi. related party.
k. Nilai tercatat bruto dan cadangan k. Gross carrying amount and allowance for
kerugian penurunan nilai. impairment losses.
66
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
31 Desember/ December 31 , 2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rp Rp Rp Rp
Nilai tercatat bruto awal 1,177,813 -- -- 1,177,813 Initial gross carrying amount
Aset baru 1,953,162 -- -- 1,953,162 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (238,000) -- -- (238,000) (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali (137,188) -- -- (137,188) Remeasurement
Nilai tercatat bruto akhir 2,755,787 -- -- 2,755,787 Ending gross carrying amount
31 Desember/ December 31 , 2022
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rp Rp Rp Rp
Nilai tercatat bruto awal 880,447 -- -- 880,447 Initial gross carrying amount
Aset baru 355,000 -- -- 355,000 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (35,426) -- -- (35,426) (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali (22,208) -- -- (22,208) Remeasurement
Nilai tercatat bruto akhir 1,177,813 -- -- 1,177,813 Ending gross carrying amount
Perubahan cadangan kerugian penurunan The movements in the allowance for
nilai adalah sebagai berikut: impairment losses are as follows:
31 Desember/ December 31 , 2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rp Rp Rp Rp
Saldo awal -- -- -- -- Beginning balance
Aset baru 925 -- -- 925 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) -- -- -- -- (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali -- -- -- -- Remeasurement
Saldo akhir 925 -- -- 925 Ending balance
31 Desember/ December 31 , 2022
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rp Rp Rp Rp
Saldo awal 22 -- -- 22 Beginning balance
Aset baru -- -- -- -- New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (22) -- -- (22) (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali -- -- -- -- Remeasurement
Saldo akhir -- -- -- -- Ending balance
Cadangan kerugian penurunan nilai pada Allowance for impairment losses on
efek-efek dengan klasifikasi nilai wajar marketable securities classified as fair value
melalui penghasilan komprehensif lain through other comprehensive income is
dicatat pada penghasilan komprehensif recorded in other comprehensive income
lain, karena nilai tercatat disajikan sebesar because the carrying value is presented at fair
nilai wajarnya. value.
67
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Manajemen Bank berkeyakinan bahwa The Bank’s management believes that the
jumlah cadangan kerugian penurunan nilai allowance for impairment losses provided is
yang dibentuk cukup untuk menutupi adequate to cover any possible impairment on
kemungkinan penurunan nilai pada efek- marketable securities.
efek.
9. Tagihan atas Efek-efek yang Dibeli dengan 9. Receivable from Marketable Securities
Janji Dijual Kembali Purchased Under Agreements to Resell
Tagihan atas efek-efek yang dibeli dengan Receivable from marketable securities
janji dijual kembali pada tanggal 31 Desember purchased under agreements to resell as of ,
2023 dan 2022 masing-masing sebesar December 31, 2023 and 2022 amounted to
Rp3.098.592 dan Rp4.620.857 dengan rincian Rp3,098,592 and Rp4,620,857, respectively,
sebagai berikut: are as follows:
31 Desember/ December 31 ,2023
Nilai Bunga yang
Tingkat Penjualan belum Nilai
Nilai Suku Kembali/ Diamortisasi/ Tercatat/
Jenis Efek/ Nominal/ Bunga/ Tanggal Dimulai/ Tanggal Resale Unamortized Carrying
Pihak Penjual/ Type of Par Value Interest Commencement Jatuh Tempo/ Amount Interest Amount
Counterparty Security Rp Rate Date Maturity Date Rp Rp Rp
Bank Indonesia VR0034 700,000 6.00% 29 Desember/ December 2023 05 Januari/ January 2024 671,449 782 670,667
Bank Indonesia VR0064 500,000 6.42% 15 November/ November 2023 15 Februari/ February 2024 487,896 7,876 480,020
Bank Indonesia VR0044 300,000 6.42% 29 November/ November 2023 28 Februari/ February 2024 292,688 4,674 288,014
Bank Indonesia VR0063 200,000 6.40% 25 Oktober/ October 2023 24 Januari/ January 2024 194,287 3,093 191,194
PT Bank Maybank
Indonesia Tbk FR0090 200,000 6.40% 21 Desember/ December 2023 04 Januari/ January 2024 184,891 470 184,421
PT Bank Pembangunan
Daerah Jawa Timur Tbk FR0084 200,000 6.28% 28 Desember/ December 2023 05 Januari/ January 2024 198,728 277 198,451
PT Bank Pembangunan
Daerah Jawa Timur Tbk FR0084 200,000 6.28% 28 Desember/ December 2023 05 Januari/ January 2024 198,728 277 198,451
PT Bank Pembangunan
Daerah Jawa Timur Tbk FR0086 125,000 6.40% 20 Desember/ December 2023 03 Januari/ January 2024 117,853 293 117,560
PT Bank Pembangunan
Daerah Jawa Timur Tbk FR0086 125,000 6.40% 20 Desember/ December 2023 03 Januari/ January 2024 117,853 293 117,560
Bank Indonesia VR0063 100,000 6.41% 25 Oktober/ October 2023 24 Januari/ January 2024 97,146 1,549 95,597
PT Bank Pembangunan
Daerah Jawa Timur Tbk FR0084 100,000 6.28% 28 Desember/ December 2023 05 Januari/ January 2024 99,363 138 99,225
PT Bank Ina Perdana Tbk FR0101 100,000 6.37% 29 Desember/ December 2023 08 Januari/ January 2024 95,854 169 95,685
Bank Indonesia VR0072 60,000 6.40% 09 Juni/ June 2023 07 Juni/ June 2024 59,861 3,638 56,223
Bank Indonesia VR0093 50,000 5.75% 26 Mei/ May 2023 24 Mei/ May 2024 49,798 3,067 46,731
Bank Indonesia VR0045 50,000 6.37% 23 Juni/ June 2023 22 Maret/ March 2024 49,256 2,270 46,986
Bank Indonesia VR0065 50,000 6.37% 16 Juni/ June 2023 15 Maret/ March 2024 48,432 2,232 46,200
Bank Indonesia VR0073 40,000 6.40% 21 Juli/ July 2023 19 April/ April 2024 38,897 1,800 37,097
Bank Indonesia VR0049 40,000 6.40% 09 Juni/ June 2023 08 Maret/ March 2024 39,205 1,815 37,390
Bank Indonesia VR0049 15,000 6.41% 09 Juni/ June 2023 08 Maret/ March 2024 14,703 682 14,021
Bank Indonesia VR0072 10,000 6.41% 09 Juni/ June 2023 07 Juni/ June 2024 9,978 607 9,371
Bank Indonesia VR0073 10,000 6.39% 21 Juli/ July 2023 19 April/ April 2024 9,723 449 9,274
Bank Indonesia VR0065 10,000 6.38% 16 Juni/ June 2023 15 Maret/ March 2024 9,687 447 9,240
Bank Indonesia VR0072 8,000 6.42% 09 Juni/ June 2023 07 Juni/ June 2024 7,983 487 7,496
Bank Indonesia VR0069 5,000 6.43% 09 Juni/ June 2023 07 Juni/ June 2024 4,926 301 4,625
Bank Indonesia VR0065 5,000 6.39% 16 Juni/ June 2023 15 Maret/ March 2024 4,844 224 4,620
Bank Indonesia VR0065 5,000 6.40% 16 Juni/ June 2023 15 Maret/ March 2024 4,844 224 4,620
Bank Indonesia VR0065 5,000 6.41% 16 Juni/ June 2023 15 Maret/ March 2024 4,845 225 4,620
Bank Indonesia VR0049 5,000 6.38% 09 Juni/ June 2023 08 Maret/ March 2024 4,900 226 4,674
Bank Indonesia VR0049 5,000 6.39% 09 Juni/ June 2023 08 Maret/ March 2024 4,900 226 4,674
Bank Indonesia VR0049 5,000 6.42% 09 Juni/ June 2023 08 Maret/ March 2024 4,902 228 4,674
Bank Indonesia VR0049 5,000 6.43% 09 Juni/ June 2023 08 Maret/ March 2024 4,902 228 4,674
Bank Indonesia VR0069 3,000 6.44% 09 Juni/ June 2023 07 Juni/ June 2024 2,956 181 2,775
Bank Indonesia VR0094 1,880 6.45% 09 Juni/ June 2023 07 Juni/ June 2024 1,877 115 1,762
Jumlah/Total 3,237,880 3,138,155 39,563 3,098,592
31 Desember/ December 31 ,2022
Nilai Bunga yang
Tingkat Penjualan belum Nilai
Nilai Suku Kembali/ Diamortisasi/ Tercatat/
Jenis Efek/ Nominal/ Bunga/ Tanggal Dimulai/ Tanggal Resale Unamortized Carrying
Pihak Penjual/ Type of Par Value Interest Commencement Jatuh Tempo/ Amount Interest Amount
Counterparty Security Rp Rate Date Maturity Date Rp Rp Rp
Bank Indonesia VR0053 750,000 5.76% 26 Desember/December 2022 09 Januari/January 2023 701,709 1,568 700,141
Bank Indonesia VR0068 750,000 5.76% 23 Desember/December 2022 06 Januari/January 2023 697,541 1,559 695,982
Bank Indonesia VR0062 500,000 5.50% 28 Desember/December 2022 04 Januari/January 2023 476,103 509 475,594
Bank Indonesia VR0062R 500,000 5.50% 27 Desember/December 2022 03 Januari/January 2023 476,011 509 475,502
Bank Indonesia VR0037 500,000 6.02% 27 Desember/December 2022 24 Januari/January 2023 467,668 2,180 465,488
Bank Indonesia VR0037 400,000 6.02% 27 Desember/December 2022 24 Januari/January 2023 374,135 1,744 372,391
Bank Indonesia VR0035R 250,000 5.50% 29 Desember/December 2022 05 Januari/January 2023 239,342 255 239,087
Bank Indonesia VR0075 250,000 5.76% 28 Desember/December 2022 11 Januari/January 2023 234,786 525 234,261
Bank Indonesia VR0041 200,000 5.79% 20 Desember/December 2022 17 Januari/January 2023 186,448 836 185,612
Bank Indonesia VR0062 150,000 5.50% 28 Desember/December 2022 04 Januari/January 2023 142,831 153 142,678
Bank Indonesia VR0077 150,000 6.00% 23 Desember/December 2022 20 Januari/January 2023 141,102 655 140,447
Bank Indonesia VR0037 150,000 5.78% 21 Desember/December 2022 18 Januari/January 2023 140,159 627 139,532
Bank Indonesia VR0053 100,000 5.77% 26 Desember/December 2022 09 Januari/January 2023 93,562 209 93,353
Bank Indonesia VR0037 100,000 6.03% 27 Desember/December 2022 24 Januari/January 2023 93,534 436 93,098
Bank Indonesia VR0065 100,000 5.77% 23 Desember/December 2022 06 Januari/January 2023 92,789 208 92,581
Bank Indonesia VR0072 50,000 5.56% 08 Desember/December 2022 07 Februari/February 2023 47,131 653 46,478
Bank Indonesia FR0096 10,000 6.01% 23 Desember/December 2022 20 Januari/January 2023 9,589 45 9,544
Bank Indonesia FR0096 10,000 6.02% 23 Desember/December 2022 20 Januari/January 2023 9,589 45 9,544
Bank Indonesia FR0096 10,000 6.03% 23 Desember/December 2022 20 Januari/January 2023 9,589 45 9,544
Jumlah/Total 4,930,000 4,633,618 12,761 4,620,857
68
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the details
rincian tagihan atas efek-efek yang dibeli of receivable from marketable securities
dengan janji dijual kembali berdasarkan jangka purchased under agreements to resell based
waktu kontraktual adalah sebagai berikut: on contractual time period are as follows:
31 Desember/ December 31 , 2023
Jenis Efek yang Dibeli dengan ≤ 1 bulan/ > 1 - 3 bulan/ > 3 - 12 bulan/ > 12 bulan/ Jumlah/ Type of Marketable Securities Purchased
Janji Dijual Kembali month months months months Total Under Resale Agreement
Rp Rp Rp Rp Rp
Surat Utang Negara 1,682,020 1,054,825 361,747 -- 3,098,592 Government Debt Securities
Jumlah 1,682,020 1,054,825 361,747 -- 3,098,592 Total
31 Desember/ December 31 , 2022
Jenis Efek yang Dibeli dengan ≤ 1 bulan/ > 1 - 3 bulan/ > 3 - 12 bulan/ > 12 bulan/ Jumlah/ Type of Marketable Securities Purchased
Janji Dijual Kembali month months months months Total Under Resale Agreement
Rp Rp Rp Rp Rp
Surat Utang Negara 4,574,379 46,478 -- -- 4,620,857 Government Debt Securities
Jumlah 4,574,379 46,478 -- -- 4,620,857 Total
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the details
rincian tagihan atas efek-efek yang dibeli of receivable from marketable securities
dengan janji dijual kembali berdasarkan sisa purchased under agreements to resell based
umur jatuh tempo adalah sebagai berikut: on remaining maturity date are as follows:
31 Desember/ December 31, 2023
≤ 1 bulan/ > 1 - 3 bulan/ > 3 - 12 bulan/ Jumlah/
Jenis Efek yang Dibeli dengan month months months Total Type of Marketable Securities Purchased
Janji Dijual Kembali Rp Rp Rp Rp Under Resale Agreement
Surat Utang Negara 1.968.809 954.427 175.356 3.098.592 Government Debt Securities
Jumlah 1.968.809 954.427 175.356 3.098.592 Total
31 Desember/ December 31, 2022
≤ 1 bulan/ > 1 - 3 bulan/ > 3 - 12 bulan/ Jumlah/
Jenis Efek yang Dibeli dengan month months months Total Type of Marketable Securities Purchased
Janji Dijual Kembali Rp Rp Rp Rp Under Resale Agreement
Surat Utang Negara 4,574,379 46,478 -- 4,620,857 Government Debt Securities
Jumlah 4,574,379 46,478 -- 4,620,857 Total
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, there was
tidak terdapat tagihan atas saldo efek-efek no receivable from marketable securities
yang dibeli dengan janji dijual kembali dengan purchased under resale agreement with
pihak yang berelasi. related party.
Pada tanggal 31 Desember 2023 dan 2022 As of, December 31, 2023 and 2022 all
seluruh tagihan atas efek-efek yang dibeli receivable from marketable securities
dengan janji dijual kembali digolongkan purchased under resale agreement were
sebagai Lancar. classified as Current.
Manajemen berpendapat bahwa tidak terdapat Management believes that there is no impaired
penurunan nilai tagihan atas efek-efek yang receivable from marketable securities
dibeli dengan janji dijual kembali sehingga purchased under resale agreement therefore
tidak diperlukan cadangan kerugian penurunan no allowance for impairment losses is needed.
nilai.
69
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
10. Kredit yang Diberikan 10. Loans
a. Berdasarkan Jenis Fasilitas, Mata Uang, a. By Type of Loans, Currency, and Loan
dan Kualitas Kredit Quality
Kredit yang diberikan berdasarkan kredit Loans based on impaired and unimpaired
yang mengalami penurunan nilai dan tidak loans are as follows:
mengalami penurunan nilai adalah sebagai
berikut:
31 Desember/ December 31, 2023
Tidak mengalami Mengalami Jumlah/
penurunan nilai/ penurunan nilai/ Total
Unimpaired Impaired
Rp Rp Rp
Pihak berelasi (Catatan 35) Related parties (Note 35)
Rupiah Rupiah
Investasi 162,075 -- 162,075 Investment
Modal kerja 135,000 -- 135,000 Working capital
Konsumsi 166 -- 166 Consumer
Sub Jumlah 297,241 -- 297,241 Sub Total
Pihak ketiga Third parties
Rupiah Rupiah
Konsumsi 8,517,847 60,009 8,577,856 Consumer
Modal kerja 5,009,690 20,833 5,030,523 Working capital
Investasi 1,017,536 9,225 1,026,761 Investment
Dolar Amerika Serikat
Modal kerja 304,795 -- 304,795
Sub Jumlah 14,849,868 90,067 14,939,935 Sub Total
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (78,776) (22,427) (101,203) impairment losses
Jumlah 15,068,333 67,640 15,135,973 Total
31 Desember/ December 31 , 2022
Tidak mengalami Mengalami Jumlah/
penurunan nilai/ penurunan nilai/ Total
Unimpaired Impaired
Rp Rp Rp
Pihak berelasi (Catatan 35) Related parties (Note 35)
Rupiah Rupiah
Investasi 133.022 -- 133.022 Investment
Konsumsi 205 -- 205 Consumer
Sub Jumlah 133.227 -- 133.227 Sub Total
Pihak ketiga Third parties
Rupiah Rupiah
Konsumsi 6.417.294 20.748 6.438.042 Consumer
Modal kerja 4.775.581 20.713 4.796.294 Working capital
Investasi 1.032.289 9.366 1.041.655 Investment
Sub Jumlah 12.225.164 50.827 12.275.991 Sub Total
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (69.531) (10.003) (79.534) impairment losses
Jumlah 12.288.860 40.824 12.329.684 Total
70
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Kualitas kredit yang diberikan berdasarkan Loans quality based on the collectibility
kolektibilitas sesuai dengan peraturan OJK according to OJK regulation are as follows:
adalah sebagai berikut:
31 Desember/ December 31 , 2023
Dalam Perhatian Kurang
Lancar/ Khusus/ Lancar/ Diragukan/ Macet/ Jumlah/
Current Special Mention Sub Standard Doubtful Loss Total
Rp Rp Rp Rp Rp Rp
Pihak berelasi (Catatan 35) Related parties (Note 35)
Rupiah Rupiah
Investasi 135,000 -- -- -- -- 135,000 Investment
Konsumsi 162,075 -- -- -- -- 162,075 Consumer
Konsumsi 166 -- -- -- -- 166 Consumer
Sub Jumlah 297,241 -- -- -- -- 297,241 Sub Total
Pihak ketiga Third parties
Rupiah Rupiah
Konsumsi 7,752,412 765,435 23,249 13,280 23,480 8,577,856 Consumer
Modal kerja 4,956,972 52,718 5,530 6,272 9,031 5,030,523 Working capital
Investasi 975,532 42,004 2,217 3,254 3,754 1,026,761 Investment
Dolar Amerika Serikat
Modal kerja 304,795 -- -- -- -- 304,795 Investment
Sub Jumlah 13,989,711 860,157 30,996 22,806 36,265 14,939,935 Sub Total
14,286,952 860,157 30,996 22,806 36,265 15,237,176
Dikurangi: Cadangan Less: Allowance for
kerugian penurunan nilai (29,720) (49,056) (8,223) (5,560) (8,644) (101,203) impairment losses
14,257,232 811,101 22,773 17,246 27,621 15,135,973 Total
31 Desember/ December 31, 2022
Dalam Perhatian Kurang
Lancar/ Khusus/ Lancar/ Diragukan/ Macet/ Jumlah/
Current Special Mention Sub Standard Doubtful Loss Total
Rp Rp Rp Rp Rp Rp
Pihak berelasi (Catatan 35) Related parties (Note 35)
Rupiah Rupiah
Investasi 133.022 -- -- -- -- 133.022 Investment
Konsumsi 205 -- -- -- -- 205 Consumer
Sub Jumlah 133.227 -- -- -- -- 133.227 Sub Total
Pihak ketiga Third parties
Rupiah Rupiah
Konsumsi 5.972.004 445.290 3.378 1.986 15.384 6.438.042 Consumer
Modal kerja 4.740.125 35.456 1.034 190 19.489 4.796.294 Working capital
Investasi 1.008.156 24.133 72 36 9.258 1.041.655 Investment
Sub Jumlah 11.720.285 504.879 4.484 2.212 44.131 12.275.991 Sub Total
11.853.512 504.879 4.484 2.212 44.131 12.409.218
Dikurangi: Cadangan Less: Allowance for
kerugian penurunan nilai (46.555) (22.976) (1.675) (815) (7.513) (79.534) impairment losses
11.806.957 481.903 2.809 1.397 36.618 12.329.684 Total
b. Berdasarkan Sektor Ekonomi b. By Economic Sectors
Kredit yang diberikan berdasarkan sektor Loans based on economic sector, as well
ekonomi, serta kredit yang mengalami as impaired and unimpaired loans are as
penurunan nilai dan tidak mengalami follows:
penurunan nilai, adalah sebagai berikut:
71
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
31 Desember/ December 31 , 2023
Tidak mengalami Mengalami Jumlah/
penurunan nilai/ penurunan nilai/ Total
Unimpaired Impaired
Rp Rp Rp
Pihak berelasi (Catatan 35) Related parties (Note 35)
Rupiah Rupiah
Jasa 297,075 -- 297,075 Services
Lain-lain 166 -- 166 Others
Sub Jumlah 297,241 -- 297,241 Sub Total
Pihak ketiga Third parties
Rupiah Rupiah
Perdagangan, restoran Trading, restaurant
dan hotel 1,941,738 18,938 1,960,676 and hotels
Jasa 2,291,075 4,987 2,296,062 Services
Industri pengolahan 1,338,052 5,790 1,343,842 Manufacturing
Konstruksi 48,197 -- 48,197 Construction
Pertambangan 319,921 -- 319,921 Mining
Lain-lain 8,606,090 60,352 8,666,442 Others
Dolar Amerika Serikat
Pertambangan 304,795 -- 304,795 Others
Sub Jumlah 14,849,868 90,067 14,939,935 Sub Total
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (78,776) (22,427) (101,203) impairment losses
Jumlah 15,068,333 67,640 15,135,973 Total
31 Desember/ December 31, 2022
Tidak mengalami Mengalami Jumlah/
penurunan nilai/ penurunan nilai/ Total
Unimpaired Impaired
Rp Rp Rp
Pihak berelasi (Catatan 35) Related parties (Note 35)
Rupiah Rupiah
Jasa 133,022 -- 133,022 Services
Lain-lain 205 -- 205 Others
Sub Jumlah 133,227 -- 133,227 Sub Total
Pihak ketiga Third parties
Rupiah Rupiah
Jasa 2,243,262 588 2,243,850 Services
Perdagangan, restoran Trading, restaurant
dan hotel 1,660,007 5,108 1,665,115 and hotels
Industri pengolahan 1,451,414 94 1,451,508 Manufacturing
Konstruksi 380,591 -- 380,591 Construction
Pertambangan 16,744 -- 16,744 Mining
Lain-lain 6,473,146 45,037 6,518,183 Others
Sub Jumlah 12,225,164 50,827 12,275,991 Sub Total
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (69,531) (10,003) (79,534) impairment losses
Jumlah 12,288,860 40,824 12,329,684 Total
Kualitas kredit yang diberikan berdasarkan Loans quality based on economic sector
sektor ekonomi dan kolektibilitas sesuai and collectibility according to Financial
ketentuan Otoritas Jasa Keuangan (OJK) Services Authority (OJK) regulation are as
adalah sebagai berikut: follows:
72
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
31 Desember/ December 31, 2023
Dalam Perhatian Kurang
Lancar/ Khusus/ Lancar/ Diragukan/ Macet/ Jumlah/
Current Special Mention Sub Standard Doubtful Loss Total
Rp Rp Rp Rp Rp Rp
Pihak berelasi (Catatan 35) Related parties (Note 35)
Rupiah Rupiah
Jasa 297,075 -- -- -- -- 297,075 Services
Lain-lain 166 -- -- -- -- 166 Others
Sub Jumlah 297,241 -- -- -- -- 297,241 Sub Total
Pihak ketiga Third parties
Rupiah Rupiah
Perdagangan, restoran Trading, Restaurant
dan hotel 1,902,689 39,049 6,711 7,133 5,094 1,960,676 and Hotels
Jasa 2,267,619 23,456 847 1,440 2,700 2,296,062 Services
Industri pengolahan 1,328,747 9,305 66 756 4,968 1,343,842 Manufacturing
Konstruksi 47,950 247 -- -- -- 48,197 Construction
Pertambangan 319,921 -- -- -- -- 319,921 Mining
Lain-lain 7,817,990 788,100 23,372 13,477 23,503 8,666,442 Others
Dokar Amerika Serikat
Pertambangan 304,795 -- -- -- -- 304,795 Others
Sub Jumlah 13,989,711 860,157 30,996 22,806 36,265 14,939,935 Sub Total
14,286,952 860,157 30,996 22,806 36,265 15,237,176
Dikurangi: Cadangan Less: Allowance for
kerugian penurunan nilai (29,720) (49,056) (8,223) (5,560) (8,644) (101,203) impairment losses
14,257,232 811,101 22,773 17,246 27,621 15,135,973 Total
31 Desember/ December 31 , 2022
Dalam Perhatian Kurang
Lancar/ Khusus/ Lancar/ Diragukan/ Macet/ Jumlah/
Current Special Mention Sub Standard Doubtful Loss Total
Rp Rp Rp Rp Rp Rp
Pihak berelasi (Catatan 35) Related parties (Note 35)
Rupiah Rupiah
Jasa 133,022 -- -- -- -- 133,022 Services
Lain-lain 205 -- -- -- -- 205 Others
Sub Jumlah 133,227 -- -- -- -- 133,227 Sub Total
Pihak ketiga Third parties
Rupiah Rupiah
Jasa 2,220,213 23,049 564 24 -- 2,243,850 Services
Perdagangan, restoran Trading, Restaurant
dan hotel 1,630,162 29,845 435 184 4,489 1,665,115 and Hotels
Industri pengolahan 1,445,610 5,804 75 19 -- 1,451,508 Manufacturing
Konstruksi 380,112 479 -- -- -- 380,591 Construction
Pertambangan 16,744 -- -- -- -- 16,744 Mining
Lain-lain 6,027,444 445,702 3,410 1,985 39,642 6,518,183 Others
Sub Jumlah 11,720,285 504,879 4,484 2,212 44,131 12,275,991 Sub Total
11,853,512 504,879 4,484 2,212 44,131 12,409,218
Dikurangi: Cadangan Less: Allowance for
kerugian penurunan nilai (46,555) (22,976) (1,675) (815) (7,513) (79,534) impairment losses
11,806,957 481,903 2,809 1,397 36,618 12,329,684 Total
Rasio kredit bermasalah pada tanggal The ratio of non-performing loans as of
31 Desember 2023 dan 2022 dihitung December 31, 2023 and 2022 are
sesuai dengan pedoman perhitungan rasio calculated in accordance with the
keuangan sebagaimana tercantum dalam guidelines calculation of financial ratios as
Surat Edaran Otoritas Jasa Keuangan set out in Circular Letter of Financial
(SE-OJK) No. 9/SEOJK.03/2020 tanggal Services Authority (SE-OJK) No.
30 September 2020 tentang Transparansi 9/SEOJK.03/2020 dated September 30,
dan Publikasi Laporan Bank Umum 2020 regarding Transparency and
Konvensional. Publication of Conventional Commercial
Bank Reports.
2023 2022
Rp Rp
Jumlah kredit bermasalah 90,067 50,827 Total of non performing loans
Jumlah kredit yang diberikan 15,237,176 12,409,218 Total of loans
NPL - bruto 0.59% 0.41% NPL - gross
NPL - net 0.44% 0.33% NPL - net
73
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
c. Berdasarkan Jangka Waktu Kredit c. By Loan Periods
Rincian jangka waktu kredit yang diberikan Details of loan periods based on loan
berdasarkan perjanjian kredit adalah agreement are as follows:
sebagai berikut:
2023 2022
Rp Rp
Rupiah Rupiah
≤ 1 Tahun 135,166 -- ≤ 1 Year
> 3 - 5 Tahun 162,075 -- > 3 - 5 Years
Sub Jumlah 297,241 -- Sub Total
Pihak ketiga Third parties
Rupiah Rupiah
≤ 1 Tahun 3,902,757 3,315,077 ≤ 1 Year
> 1 - 3 Tahun 812,411 841,080 > 1 - 3 Years
> 3 - 5 Tahun 1,462,556 1,925,263 > 3 - 5 Years
> 5 Tahun 8,457,416 6,327,798 > 5 Years
Sub Jumlah 14,635,140 12,409,218 Sub Total
Dolar Amerika Serikat US Dollar
> 3 - 5 Tahun 304,795 -- > 3 - 5 Years
Sub Jumlah 304,795 -- Sub Total
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (101,203) (79,534) impairment losses
Jumlah 15,135,973 12,329,684 Total
d. Berdasarkan Sisa Umur Jatuh Tempo d. By Remaining Periods
Rincian jangka waktu kredit yang diberikan Loans based on the remaining periods
berdasarkan sisa waktu dari tanggal posisi from statement of financial position date to
keuangan sampai dengan tanggal jatuh maturity date are as follows:
tempo adalah sebagai berikut:
2023 2022
Rp Rp
Rupiah Rupiah
≤ 1 Tahun 135,166 -- ≤ 1 Year
> 3 - 5 Tahun 162,075 -- > 3 - 5 Years
Sub Jumlah 297,241 -- Sub Total
Pihak ketiga Third parties
Rupiah Rupiah
≤ 1 Tahun 4,220,694 3,315,077 ≤ 1 Year
> 1 - 3 Tahun 1,335,721 841,080 > 1 - 3 Years
> 3 - 5 Tahun 1,243,489 1,925,263 > 3 - 5 Years
> 5 Tahun 7,835,236 6,327,798 > 5 Years
Sub Jumlah 14,635,140 12,409,218 Sub Total
Dolar Amerika Serikat US Dollar
> 3 - 5 Tahun 304,795 -- > 3 - 5 Years
Sub Jumlah 304,795 -- Sub Total
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (101,203) (79,534) impairment losses
Jumlah 15,135,973 12,329,684 Total
74
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
e. Nilai tercatat bruto dan cadangan e. Gross carrying amount and allowance
kerugian penurunan nilai for impairment losses
Perubahan nilai tercatat bruto adalah Movement in the gross carrying amount
sebagai berikut: are as follows:
31 Desember/ December 31 , 2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rp Rp Rp Rp
Nilai tercatat bruto awal 12,029,225 314,290 65,703 12,409,218 Initial gross carrying amount
Aset baru 5,924,744 73,987 12,909 6,011,640 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (2,310,626) (464) (2,350) (2,313,440) (exclude write off)
Transfer ke Tahap 1 (57,367) 55,506 1,861 -- Transfer to Stage 1
Transfer ke Tahap 2 254,565 (255,296) 731 -- Transfer to Stage 2
Transfer ke Tahap 3 49,849 8,151 (58,000) -- Transfer to Stage 3
Pengukuran kembali (1,081,906) 161,720 71,765 (848,421) Remeasurement
Penghapusbukuan -- -- (21,821) (21,821) Write off
Nilai tercatat bruto akhir 14,808,484 357,894 70,798 15,237,176 Ending gross carrying amount
31 Desember/ December 31 , 2022
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rp Rp Rp Rp
Nilai tercatat bruto awal 9,390,665 339,226 82,198 9,812,089 Initial gross carrying amount
Aset baru 4,384,278 29,909 543 4,414,730 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (1,056,204) (57,093) (7,433) (1,120,730) (exclude write off)
Transfer ke Tahap 1 15,488 (15,063) (425) -- Transfer to Stage 1
Transfer ke Tahap 2 (24,478) 24,801 (323) -- Transfer to Stage 2
Transfer ke Tahap 3 (687) (820) 1,507 -- Transfer to Stage 3
Pengukuran kembali (679,837) (6,670) (1,988) (688,495) Remeasurement
Penghapusbukuan -- -- (8,376) (8,376) Write off
Nilai tercatat bruto akhir 12,029,225 314,290 65,703 12,409,218 Ending gross carrying amount
Perubahan cadangan kerugian penurunan The movements in the allowance for
nilai adalah sebagai berikut: impairment losses are as follows:
31 Desember/ December 31 , 2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rp Rp Rp Rp
Saldo awal 36,483 21,836 21,215 79,534 Beginning balance
Aset baru 16,265 9,122 3,278 28,665 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (14,739) (1) (448) (15,188) (exclude write off)
Transfer ke Tahap 1 4,367 (4,367) -- -- Transfer to Stage 1
Transfer ke Tahap 2 23,158 (23,186) 28 -- Transfer to Stage 2
Transfer ke Tahap 3 7,413 744 (8,157) -- Transfer to Stage 3
Pengukuran kembali (28,246) 35,402 18,655 25,811 Remeasurement
Penghapusbukuan -- -- (17,619) (17,619) Write off
Saldo akhir 44,701 39,550 16,952 101,203 Ending balance
75
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
31 Desember/ December 31 , 2022
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rp Rp Rp Rp
Saldo awal 25,451 8,000 25,114 58,565 Beginning balance
Aset baru 8,914 3,543 348 12,805 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (2,100) (2,960) (1,097) (6,157) (exclude write off)
Transfer ke Tahap 1 555 (554) (1) -- Transfer to Stage 1
Transfer ke Tahap 2 (2,522) 2,529 (7) -- Transfer to Stage 2
Transfer ke Tahap 3 (191) (306) 497 -- Transfer to Stage 3
Pengukuran kembali 6,376 11,584 4,737 22,697 Remeasurement
Penghapusbukuan -- -- (8,376) (8,376) Write off
Saldo akhir 36,483 21,836 21,215 79,534 Ending balance
Manajemen berpendapat bahwa cadangan Management believes that the above
kerugian penurunan nilai yang dibentuk allowance for impairment losses is
telah memadai untuk menutup adequate to cover possible losses, which
kemungkinan kerugian akibat tidak might arise from uncollectible loans.
tertagihnya kredit yang diberikan.
f. Informasi Pokok Lainnya Sehubungan f. Other Significant Information in
dengan Kredit yang Diberikan Connection with the Loans
1. Umum 1. General
Kredit yang diberikan pada umumnya Loans are generally secured by
dijamin dengan agunan yang diikat collateral tied to the mortgage or power
dengan hak tanggungan atau surat of attorney to sell, time deposits, or
kuasa untuk menjual, deposito other collateral acceptable to banks.
berjangka, atau jaminan lain yang
dapat diterima oleh perbankan.
Kredit konsumsi terdiri dari kredit Consumer loans consist of home
pemilikan rumah, kredit kendaraan mortgage loans, automobile loans, and
bermotor, dan kredit perorangan other personal loans.
lainnya.
2. Tingkat Bunga 2. Interest Rates
Tingkat bunga rata-rata per tahun kredit The average annual interest rates of
yang diberikan masing-masing sebesar loans were 8.81% and 8.24% for the
8,81% dan 8,24% untuk tahun-tahun years ended December 31, 2023 and
yang berakhir tanggal 31 Desember 2022, respectively.
2023 dan 2022.
3. Deposito Berjangka yang Dijaminkan 3. Time Deposits Pledged as Collateral
Sebagai Agunan
Jumlah kredit yang dijamin dengan Total loans secured by time deposits as
deposito berjangka pada tanggal 31 of December 31, 2023 and 2022
Desember 2023 dan 2022 adalah amounted to Rp471,767 and
masing-masing sebesar Rp471.767 Rp378,540, respectively.
dan Rp378.540
76
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Deposito berjangka yang digunakan Time deposits pledged as collateral of
sebagai jaminan atas kredit yang loans as of December 31, 2023 and
diberikan 31 Desember 2023 dan 2022 2022 amounted to Rp497,084 dan
adalah masing-masing sebesar Rp404,253 or 4.69% dan 4.87% of total
Rp497.084 dan Rp404.253 atau time deposits, respectively (Note 16.c).
sebesar 4,69% dan 4,87% dari jumlah
deposito berjangka (Catatan 16.c).
4. Kredit yang direstrukturisasi 4. Restructured Loans
Rincian kredit yang direstrukturisasi Details of the restructured loans are as
adalah sebagai berikut: follows:
2023 2022
Rp Rp
Perpanjangan jangka waktu kredit 116,212 382,538 Extension of loan period
Perpanjangan jangka waktu dan Extension of loan period
penyesuaian suku bunga 289,783 437,051 and interest rate adjustment
Perpanjangan jangka waktu kredit Extension of loan period
dan skema lain 83,313 207,894 and other schemes
Jumlah 489,308 1,027,483 Total
Berikut ini adalah jumlah kredit yang The following is the amount of loans
telah direstrukturisasi berdasarkan that have been restructured based on
kolektibilitas: collectability:
2023 2022
Rp Rp
Lancar 370,021 948,715 Current
Dalam Perhatian Khusus 94,397 45,768 Special Mention
Kurang Lancar 5,482 150 Sub Standard
Diragukan 2,519 577 Doubtful
Macet 16,889 32,273 Loss
Jumlah 489,308 1,027,483 Total
Total kredit yang telah direstrukturisasi Total loans that have been restructured
dan dalam kategori kredit bermasalah and in the category of non-performing
pada tanggal 31 Desember 2023 dan loans as of December 31, 2023 and
2022 masing-masing sebesar 2022 amounted Rp24,890 and
Rp24.890 dan Rp33.000. Rp33,000 , respectively.
5. Program Pemulihan Ekonomi 5. National Economic Recovery
Nasional (PEN) Program (PEN)
Pada tanggal 31 Desember 2023 As of December 31, 2023 and 2022,
dan 2022, Bank berpartisipasi dalam the Bank participated in lending for the
penyaluran kredit Program Pemulihan National Economic Recovery Program
Ekonomi Nasional (PEN) sesuai (PEN) program in accordance with
dengan Peraturan Menteri Minister of Finance Regulation (PMK)
Keuangan (PMK) No.138/PMK.05/2020 No.138/PMK.05/2020 dated September
tanggal 25 September 2020 25, 2020 for the improvement of PMK
atas penyempurnaan PMK No. 85/PMK.05/2020 concerning
No. 85/PMK.05/2020 tentang Tata Cara Procedures for Providing Interest
Pemberian Subsidi Bunga/Subsidi Subsidies/Margin Subsidies for
Margin Untuk Kredit/Pembiayaan Credit/Financing Micro, Small
Usaha Mikro, Usaha Kecil, Dan Usaha Businesses and Medium Enterprises in
Menengah Dalam Rangka Mendukung the Context of Supporting the
Pelaksanaan Program Pemulihan Implementation of the National
Ekonomi Nasional. Economic Recovery Program.
77
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Pada tanggal 31 Desember 2023 As of December 31, 2023 and 2022,
dan 2022, baki debet kredit yang the balance for loans given
diberikan dalam rangka penugasan in the framework of special
khusus sesuai dengan PMK assignments in accordance with
No. 138/PMK.05/2020 masing-masing PMK No.138/PMK.05/2020 each
sebesar Rp749.095 dan Rp109.851 . of amounting to Rp749,095 and
Rp109,851, respectively.
Bank juga berpartisipasi dalam The Bank also participates in
penyaluran kredit Program PEN sesuai the lending program for the
dengan PMK No. 71/PMK.08/2020 PEN Program in accordance with PMK
tentang Pemberian Penjaminan No. 71/PMK.08/2020 concerning
Pemerintah Melalui Badan Usaha Providing Government Guarantees
Penjaminan Yang Ditunjuk Dalam through Designated Guarantee
Rangka Pelaksanaan Program Business Entities in the Context of
Pemulihan Ekonomi Nasional yang Implementing the National Economic
melibatkan Pemerintah, Bank dan Recovery Program involving the
Perusahaan Penjamin yaitu Government, Banks and Guarantee
PT Asuransi Kredit Indonesia dan Companies that are PT Asuransi Kredit
PT Jaminan Kredit Indonesia. Bank Indonesia and PT Jaminan Kredit
tetap mensyaratkan adanya Indonesia. The Bank still requires
jaminan tambahan dari debitur. additional guarantees from the debtor.
Saldo penjaminan pada tanggal The guaranteed balance as of
31 Desember 2023 dan 2022 masing- December 31, 2023 and 2022
masing sebesar Rp340 dan Rp8.624 . amounting to Rp340 and Rp8,624,
respectively.
6. Batas Maksimum Pemberian Kredit 6. Legal Lending Limit
Pada tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022,
2022, tidak terdapat pelanggaran the Bank did not violate or exceed the
maupun pelampauan terhadap Legal Lending Limit (LLL) requirement.
ketentuan Batas Maksimum Pemberian
Kredit (BMPK).
7. Kelonggaran Tarik 7. Unused Loan Facilities
Fasilitas kredit yang belum ditarik Unused loan facilities granted as of
(kelonggaran tarik) per 31 Desember December 31, 2023 and 2022,
2023 dan 2022 masing-masing sebesar amounted to Rp1,010,842, and
Rp1.010.842 dan Rp1.163.670 Rp1,163,670, respectively (Note 36).
(Catatan 36).
8. Kredit Hapus Buku 8. Written Off Loans
Kredit hapus buku per Written off loans as of December 31,
31 Desember 2023 dan 2022 masing- 2023 and 2022, amounted to Rp69,815
masing sebesar Rp69.815 dan and Rp52,204 , respectively (Note 36).
Rp52.204 (Catatan 36).
2023 2022
Rp Rp
Saldo awal 52,204 45,600 Beginning balance
Penghapusbukuan selama Loans written off
tahun berjalan 17,619 8,376 during the year
Penghapustagihan selama Loan disposed
tahun berjalan (15) (1,772) during the year
Saldo akhir 69,808 52,204 Ending balance
78
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
11. Aset Tetap dan Aset Hak Guna 11. Fixed Assets and Right-of-Use-Assets
31 Desember/ December 31, 2023
Saldo Awal/ Saldo Akhir/
Beginning Penambahan/ Pengurangan/ Ending
Balance Additions Deductions Balance
Rp Rp Rp Rp
Biaya Perolehan Acquisition Cost
Pemilikan Langsung Direct Ownership
Aset tetap Fixed assets
Tanah 45,120 137,244 -- 182,364 Land
Bangunan 159,810 251,902 -- 411,712 Building
Renovasi bangunan 79,144 6,166 (1,862) 83,448 Building Renovation
Peralatan ATM dan ATM and
khazanah 22,984 1,927 -- 24,911 vault equipment
Kendaraan 896 1,052 -- 1,948 Vehicles
Perlengkapan dan Machinery and
peralatan kantor 99,863 34,443 (415) 133,891 office equipment
Infrastruktur Gedung -- 11,947 -- 11,947 Building Infrastructure
407,817 444,681 (2,277) 850,221
Aset hak guna 89,789 7,474 (10,642) 86,621 Right of use of assets
497,606 452,155 (12,919) 936,842
Akumulasi Penyusutan Accumulated Depreciation
Pemilikan Langsung Direct Ownership
Aset tetap Fixed asset
Bangunan 8,570 18,430 -- 27,000 Building
Renovasi bangunan 68,694 4,193 (1,863) 71,024 Building renovation
Peralatan ATM dan ATM and
khazanah 18,898 909 -- 19,807 vault equipment
Kendaraan 45 372 -- 417 Vehicles
Perlengkapan dan Machinery and
peralatan kantor 67,895 12,821 (411) 80,305 Machinery and
Infrastruktur Gedung -- 570 570 office equipment
164,102 37,295 (2,274) 199,123
Aset hak guna 29,999 16,514 (10,642) 35,871 Right of use of assets
194,101 53,809 (12,916) 234,994
Nilai Buku 303,505 701,848 Book Value
31 Desember/ December 31, 2022
Saldo Awal/ Saldo Akhir/
Beginning Penambahan/ Pengurangan/ Ending
Balance Additions Deductions Balance
Rp Rp Rp Rp
Biaya Perolehan Acquisition Cost
Pemilikan Langsung Direct Ownership
Aset tetap Fixed assets
Tanah 45,120 -- -- 45,120 Land
Bangunan 157,523 2,287 -- 159,810 Building
Renovasi bangunan 75,450 3,882 (188) 79,144 Building Renovation
Peralatan ATM dan ATM and
khazanah 22,939 45 -- 22,984 vault equipment
Kendaraan -- 896 -- 896 Vehicles
Perlengkapan dan Machinery and
peralatan kantor 93,787 6,273 (197) 99,863 office equipment
394,819 13,383 (385) 407,817
Aset hak guna 68,832 35,072 (14,115) 89,789 Right of use of assets
463,651 48,455 (14,500) 497,606
Akumulasi Penyusutan Accumulated Depreciation
Pemilikan Langsung Direct Ownership
Aset tetap Fixed asset
Bangunan 656 7,914 -- 8,570 Building
Renovasi bangunan 65,166 3,716 (188) 68,694 Building renovation
Peralatan ATM dan ATM and
khazanah 18,058 840 -- 18,898 vault equipment
Kendaraan -- 45 -- 45 Vehicles
Perlengkapan dan Machinery and
peralatan kantor 56,892 11,186 (183) 67,895 office equipment
140,772 23,701 (371) 164,102
Aset hak guna 26,326 17,788 (14,115) 29,999 Right of use of assets
167,098 41,489 (14,486) 194,101
Nilai Buku 296,553 303,505 Book Value
79
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Per 31 Desember 2023, Bank memperoleh As of December 31, 2023, the Bank acquired
tanah dan bangunan melalui transaksi land and buildings through a transaction for
Penyetoran Saham Dalam Bentuk Lain Selain Additional Capital in Other Forms Other Than
Uang (Inbreng) sebesar Rp368.000 Money (Inbreng) amounted Rp368,000 (Note
(Catatan 1c). Per 31 Desember 2023, 1c). As of December 31, 2023, the addition of
penambahan tanah dan bangunan termasuk land and buildings including the Fee for the
Bea Perolehan Hak atas Tanah dan Bangunan Acquisition of Rights to Land and Buildings
(BPHTB) sebesar Rp18.397 dan pada tahun (BPHTB) amounted to Rp18,397 and in 2022,
2022, Bank memperoleh tanah dan bangunan the Bank acquired land and buildings through
melalui transaksi Inbreng sebesar Rp193.000 Inbreng amounted Rp193,000 (Note 24). As of
(Catatan 24). Per 31 Desember 2022, December 31, 2022, the addition of land and
penambahan tanah dan bangunan termasuk buildings including the Fee for the Acquisition
Bea Perolehan Hak atas Tanah dan Bangunan of Rights to Land and Buildings (BPHTB)
(BPHTB) sebesar Rp9.643. amounted to Rp9,643.
Rincian tanah dan bangunan yang diperoleh Detail of land and buildings acquired through
melalui transaksi inbreng tahun 2021 adalah inbreng transactions in 2021 are as follows:
sebagai berikut:
1. Seluruh Gedung A Universitas Pelita 1. The entire Building A of Pelita Harapan
Harapan, Jl. MH Thamrin No. 1 Lippo University, Jl. MH Thamrin No. 1 Lippo
Karawaci, Tangerang, Banten; berupa Karawaci, Tangerang, Banten; in the form
ruang perkantoran strata-titled yang terdiri of strata-titled office space consisting of
dari 8 lantai dengan luas keseluruhan 8 floors with a total area of 6,512.46 m2,
6.512,46 m2, dengan luas tanah 2.820 m², with a land area of 2,820 m², with
dengan hak kepemilikan berupa Sertifikat ownership rights in the form of Certificate
Hak Milik atas Satuan Rumah Susun. of Right of Ownership over Stacked Units.
2. Sebagian ruang dalam Gedung Gajah 2. Some of the rooms in the Gajah Mada
Mada Tower Lantai G, 1 dan 2, Jl. Gajah Tower Building Floors G, 1 and 2,
Mada No. 25-26, Petojo Utara, Gambir, Jl. Gajah Mada No. 25-26, North Petojo,
Jakarta Pusat, berupa ruang perkantoran Gambir, Central Jakarta, in the form of a
strata-titled yang terdiri dari 3 lantai dengan strata-titled office space consisting of
luas keseluruhan 2.517,33 m2 dengan hak 3 floors with a total area of 2,517.33 m2
kepemilikan berupa Sertifikat Hak Milik atas with ownership rights in the form of
Satuan Rumah Susun. Certificate of Right of Ownership over
Stacked Units.
Rincian tanah dan bangunan yang diperoleh Detail of land and buildings acquired through
melalui transaksi inbreng tahun 2023 adalah inbreng transactions in 2023 are as follows:
sebagai berikut:
1. Seluruh Gedung Graha Lippo, 1. The entire Graha Lippo Building,
Jl. Boulevard Diponegoro No.101 Curug Jl. Boulevard Diponegoro No.101 Curug
Neglasari Tangerang Banten, Kelurahan Neglasari Tangerang Banten, Kelapa Dua
Kelapa Dua, Kecamatan Kelapa Dua, Village, Kelapa Dua District, Tangerang
Kabupaten Tangerang, Banten, berupa Regency, Banten, in the form of office
ruang perkantoran yang terdiri dari space consisting of 19 floors with a total
19 lantai dengan luas keseluruhan area of 19,239 m,2 with a total land area of
19.239 m2, dengan luas tanah total 5,757 m2 with ownership rights in the form
5.757 m2 dengan hak kepemilikan berupa of Building Use Rights Certificate.
Sertifikat Hak Guna Bangunan.
80
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Renovasi bangunan merupakan segala Building renovation is all repair work or
pekerjaan perbaikan ataupun penambahan additions to buildings used for the Bank
atas bangunan yang digunakan untuk operations and can increase the useful life and
operasional Bank dan dapat menambah masa increase the economic value of the building, if
manfaat serta menambah nilai ekonomis dari one day the building will be sold.
gedung, apabila suatu saat kelak bangunan itu
akan dijual.
Beban penyusutan aset tetap untuk tahun- Depreciation expense for fixed assets for the
tahun yang berakhir pada 31 Desember 2023 years ended December 31, 2023 and 2022
dan 2022 masing-masing sebesar Rp37.295 amounted to Rp37,296, and Rp23,701
dan Rp23.701 dicatat sebagai beban umum respectively, are recorded as general and
dan administrasi (Catatan 30). administrative expenses (Note 30).
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, total of
jumlah nilai perolehan renovasi bangunan, the acquisition value of buildings renovation,
perlengkapan, dan peralatan kantor masing- machinery, and office equipment amounted
masing sebesar Rp467.204 dan Rp85.539, Rp467,204 and Rp85,539 respectively, have
telah disusutkan penuh tetapi masih digunakan been fully depreciated but are still being used
untuk operasional Bank. for the Bank's operations.
Rincian penjualan aset tetap adalah sebagai Details of sale of fixed assets are as follows:
berikut:
2023 2022
Rp Rp
Hasil Penjualan Aset Tetap 17 16 Proceeds from Sale of Fixed Assets
Nilai Buku (3) (14) Net Book Value
Laba Penjualan Gain on Sale of
Aset Tetap (Catatan 32) 14 2 Fixed Assets (Note 32)
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, buildings,
bangunan, renovasi bangunan, peralatan ATM buildings renovation, ATM and vault
dan khazanah, perlengkapan dan peralatan equipment, machinery and office equipment
kantor dengan nilai buku masing-masing with book value amounting to Rp455,826 and
sebesar Rp455.826 dan Rp197.744 telah Rp197,744, respectively, were insured with
diasuransikan pada PT Lippo General PT Lippo General Insurance Tbk amounting to
Insurance Tbk masing-masing sebesar Rp424,465 and Rp173,452, respectively.
Rp424.465 dan Rp173.452. Manajemen Management believes that the insurance
berpendapat bahwa jumlah pertanggungan coverage is sufficient to cover the possible
tersebut telah memadai untuk menutupi losses.
kemungkinan risiko kerugian.
Manajemen berpendapat tidak terdapat Management believes there is no indication of
indikasi penurunan nilai atas aset tetap yang impairment of fixed assets owned by the Bank.
dimiliki Bank.
Tidak terdapat aset tetap yang dijadikan On December 31, 2023 and 2022, there were
jaminan per 31 Desember 2023 dan 2022. no fixed assets pledged as collateral.
81
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Aset hak-guna per 31 Desember 2023 dan Right-of-use assets as of December 31, 2023
2022 adalah sebagai berikut: and 2022 as follows:
31 Desember/ December 31 , 2023
Saldo awal/ Penambahan/ Pengurangan/ Saldo akhir/
Beginning balance Addition Deductions Ending balance
Rp Rp Rp Rp
Biaya perolehan Cost
Bangunan 89,789 7,474 (10,642) 86,621 Buildings
89,789 7,474 (10,642) 86,621
Akumulasi penyusutan Accumulated depreciation
Bangunan
Kendaraan
Lainnya bermotor 29,999
-- 16,514 (10,642) 35,871
-- Buildings
Vehicles
Others
29,999 16,514 (10,642) 35,871
Nilai buku-neto 59,790 50,750 Net book value
31 Desember/ December 31 , 2022
Saldo awal/ Penambahan/ Pengurangan/ Saldo akhir/
Beginning balance Addition Deductions Ending balance
Rp Rp Rp Rp
Biaya perolehan Cost
Bangunan 68,832 35,072 (14,115) 89,789 Buildings
68,832 35,072 (14,115) 89,789
Akumulasi penyusutan Accumulated depreciation
Bangunan
Kendaraan
Lainnya bermotor 26,326
-- 17,788 (14,115) 29,999
-- Buildings
Vehicles
Others
26,326 17,788 (14,115) 29,999
Nilai buku-neto 42,506 59,790 Net book value
Bank menyewa aset dari pihak ketiga dalam The Bank had rent assets from third parties
bentuk space unit dalam gedung dan ruko which are space unit in building and shop
untuk kantor Bank. Rata-rata masa sewa houses for the Bank office. The average of
adalah 5 (lima) tahun. lease term is 5 (five) years.
Beban penyusutan aset hak-guna untuk tahun- Depreciation expense of right-of-use assets for
tahun yang berakhir pada 31 Desember 2023 the years ended December 31, 2023 and 2022
dan 2022 masing-masing sebesar Rp16.514 amounted to Rp16,514 and Rp17,788 are
dan Rp17.788 dicatat sebagai beban umum recorded as general and administrative
dan administrasi (Catatan 30). expenses (Note 30).
Berikut ini ringkasan komponen liabilitas sewa The following summarize the component of
yang disajikan pada laporan laba rugi dan lease liabilities presented in statement of profit
laporan arus kas: or loss and statement of cash flows:
2023 2022
Rp Rp
Jumlah diakui di laba rugi Amounts recognized in profit loss
Beban bunga atas liabilitas sewa 304 492 Interest expense on lease liabilities
Beban penyusutan aset hak guna 16,514 17,788 Depreciation of right of used assets
Beban terkait liabilitas sewa dengan Expenses relating to short-term or
nilai rendah atau jangka pendek 10,305 11,779 low value lease liabilities
Jumlah diakui dalam laporan arus kas Amounts recognized in cash flows
Jumlah kas keluar untuk Total cash outflow
pembayaran liabilitas sewa (14,609) (8,620) for payment of leases
82
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Rekonsiliasi liabilitas sewa adalah sebagai The reconciliation of lease liabilities are as
berikut: follows:
2023 2022
Saldo awal 7,808 8,132 Beginning balance
Arus kas (14,609) (8,620) Cash Flow
Perubahan non kas Non-cash movement
Penambahan 20,012 8,296 Additions
Saldo akhir 13,211 7,808 Ending balance
12. Aset Takberwujud 12. Intangible Assets
31 Desember/ December 31 , 2023
Saldo awal/ Penambahan/ Pengurangan/ Saldo akhir/
Beginning balance Addition Deductions Ending balance
Rp Rp Rp Rp
Biaya perolehan Cost
Perangkat Lunak 129,406 44,939 -- 174,345 Software
129,406 44,939 -- 174,345
Akumulasi penyusutan Accumulated depreciation
Perangkat Lunak 33,780 13,894 -- 47,674 Software
33,780 13,894 -- 47,674
Nilai buku-neto 95,626 126,671 Net book value
31 Desember/ December 31 , 2022
Saldo awal/ Penambahan/ Pengurangan/ Saldo akhir/
Beginning balance Addition Deductions Ending balance
Rp Rp Rp Rp
Biaya perolehan Cost
Perangkat Lunak 106,958 22,448 -- 129,406 Software
106,958 22,448 -- 129,406
Akumulasi penyusutan Accumulated depreciation
Perangkat Lunak 22,222 11,558 -- 33,780 Software
22,222 11,558 -- 33,780
Nilai buku-neto 84,736 95,626 Net book value
Beban amortisasi untuk tahun-tahun yang Amortization expense of intangible assets for
berakhir pada 31 Desember 2023 dan 2022, the years ended December 31, 2023 and 2022
masing-masing sebesar Rp13.894 dan amounted to Rp13,894 and Rp 11,558,
Rp11.558 (Catatan 30). respectively (Note 30).
Manajemen berpendapat tidak terdapat Management believes there is no indication of
indikasi penurunan nilai atas aset takberwujud impairment of intangible assets held by the
yang dimiliki Bank. Bank.
83
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
13. Agunan yang Diambil Alih-Neto 13. Foreclosed Assets-net
2023 2022
Rp Rp
Agunan yang diambil alih 77,731 162,161 Foreclosed assets
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (4,704) (1,412) impairment losses
Jumlah 73,027 160,749 Total
Perubahan cadangan kerugian penurunan nilai The changes in allowance for impairment
agunan yang diambil alih sepanjang tahun losses on foreclosed assets during the year
berjalan adalah sebagai berikut: are as follows:
2023 2022
Rp Rp
Saldo awal tahun (1,412) (2,787) Beginning balance of the year
Penyisihan kerugian penurunan nilai Provision for impairment losses
selama tahun berjalan (Catatan 29) (3,858) (150) during the year (Note 29)
Pemulihan cadangan kerugian penurunan nilai Recovery on allowance for impairment
selama tahun berjalan (Catatan 29) 566 1,525 losses during the year (Note 29)
Saldo Akhir Tahun (4,704) (1,412) Ending Balance of the Year
Penilaian kualitas aset Bank pada Asset quality assessment for the Bank as
tanggal 31 Desember 2023 dan of December 31, 2023 and 2022 is calculated
2022 dihitung berdasarkan POJK based on POJK No.40/POJK.03/2019 dated
No.40/POJK.03/2019 tanggal 19 Desember December 19, 2019 concerning Assessment of
2019 tentang Penilaian Kualitas Aset Bank Asset Quality for Commercial Banks,
Umum, khususnya sehubungan dengan especially regarding foreclosed assets. In
agunan yang diambil alih. Selain itu, Bank addition, the Bank is required to make efforts
diwajibkan untuk melakukan upaya to settle it’s foreclosed assets.
penyelesaian terhadap agunan yang diambil
alih yang dimiliki.
Untuk tahun-tahun yang berakhir pada For the years ended December 31, 2023 and
31 Desember 2023 dan 2022, terjadi penjualan 2022, there are sale of foreclosed assets
AYDA masing-masing sebesar Rp87.745 dan amounted Rp87s,745, and Rp 59,895
Rp59.895 dengan nilai AYDA masing-masing respectively, with foreclosed assets value
sebesar Rp87.722 dan Rp61.190. Atas amounted to Rp87,722 and Rp61,190. From
transaksi tersebut, Bank mengakui keuntungan the sale of foreclosed assets, the Bank
atas penjualan AYDA untuk tahun yang recognized gain for the year ended December
berakhir pada 31 Desember 2023 sebesar 31, 2023 amounted Rp23 and recognized loss
Rp23 dan mengakui kerugian atas penjualan for the year ended December 31, 2022
AYDA untuk tahun yang berakhir amounted Rp1,295 (Note 32).
pada 31 Desember 2022 sebesar
Rp 1.295 (Catatan 32).
84
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
14. Uang Muka dan Biaya Dibayar di Muka 14. Advanced and Prepaid Expenses
2023 2022
Rp Rp
Uang Muka Advances
Proyek teknologi informasi 91,711 47,658 Information technology project
Renovasi kantor 7,920 780 Office renovation
Personalia -- 105 Human resources
Lainnya 1,629 29,070 Others
Biaya Dibayar di Muka Prepaid Expenses
Aktivitas produk Bank 79,494 43,514 Bank's product activities
Jasa pelayanan 40,296 10,289 Service charge
Asuransi 3,241 1,891 Insurance
Sewa gedung 2,338 3,675 Building rental
Lain-lain 20,928 15,018 Others
Jumlah 247,557 152,000 Total
Uang muka proyek teknologi informasi adalah Advances for information technology project
uang muka yang dikeluarkan untuk are advances issued for the development of
pengembangan teknologi informasi Bank. Bank information technology. Other advances
Uang muka lainnya merupakan uang muka represent advances for purchase of office
pembelian perlengkapan dan peralatan kantor, supplies and equipment, and purchases of
dan pembelian hadiah untuk nasabah produk gifts for customers of Bank products.
Bank.
Biaya dibayar di muka aktivitas produk Bank Prepaid expenses for Bank product activities
merupakan biaya yang dikeluarkan untuk are costs incurred for Bank products such as
produk Bank seperti aktivasi rekening, akuisisi account activation, consumer acquisition, and
konsumer, dan lainnya. Biaya dibayar di muka others. Other prepaid expenses consist of
lain-lain terdiri dari biaya dibayar di muka prepaid expenses related to advertisements,
terkait dengan iklan/reklame, informasi dan information and technology, prepaid interest on
teknologi, bunga dibayar di muka atas effects, and others that cannot be categorized.
efek-efek, dan lain-lain yang tidak dapat
dikategorikan.
15. Aset Lain-lain 15. Other Assets
2023 2022
Rp Rp
Pendapatan yang masih
akan diterima 395,124 207,260 Accrued income
Tagihan terkait dengan Receivables relating to
transaksi ATM 448,991 9,201 ATM transaction
Uang jaminan 12,600 12,615 Security deposits
Perlengkapan kantor 7,611 7,408 Office supplies
Beban ditangguhkan 2,345 1,833 Deferred expense
Lain-lain 101,608 4,940 Others
Jumlah 968,279 243,257 Total
Pendapatan yang masih akan diterima Accrued income represents accrued interest
merupakan bunga yang masih akan diterima income on placements with Bank Indonesia
atas penempatan pada Bank Indonesia dan and other banks, marketable securities,
bank lain, efek-efek, tagihan atas efek yang receivable from marketable securities
dibeli dengan janji dijual kembali, dan kredit purchased under agreements to resell, and
yang diberikan. loans.
85
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Tagihan terkait dengan transaksi ATM Receivables relating to ATM transaction are
merupakan tagihan yang terkait dengan related to the bills associated with customer
transaksi nasabah yang dilakukan melalui transactions carried out through network of
jaringan ATM Bersama dan ATM Prima. ATM Bersama and ATM Prima.
16. Simpanan Nasabah 16. Deposits from Customers
2023 2022
Rp Rp
Rupiah Rupiah
Giro 5.594.983 4.801.413 Current accounts
Tabungan 1.299.289 1.320.656 Saving accounts
Deposito berjangka 9.775.426 7.699.245 Time deposits
16.669.698 13.821.314
Mata Uang Asing Foreign Currency
Giro 346.529 590.472 Current accounts
Tabungan 45.539 56.376 Saving accounts
Deposito berjangka 813.767 607.818 Time deposits
1.205.835 1.254.666
Jumlah 17.875.533 15.075.980 Total
a. Giro a. Current Accounts
Rincian giro adalah sebagai berikut: The details of current accounts are as
follows:
2023 2022
Rp Rp
Rupiah Rupiah
Pihak berelasi (Catatan 35) 1.521.926 1.950.023 Related parties (Note 35)
Pihak ketiga 4.073.057 2.851.390 Third parties
Mata uang asing Foreign currency
Pihak berelasi (Catatan 35) 43.113 15.855 Related parties (Note 35)
Pihak ketiga 303.416 574.617 Third parties
Jumlah 5.941.512 5.391.885 Total
Tingkat bunga rata-rata per tahun The average annual interest rate
Rupiah 1,73% 1,15% Rupiah
Mata uang asing 1,76% 0,36% Foreign currencies
Pada tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, there
2022, tidak ada saldo giro yang dijadikan is no current accounts used as loan
jaminan kredit. collateral.
86
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
b. Tabungan b. Saving Accounts
Rincian tabungan adalah sebagai berikut: The details of saving accounts are as
follows:
2023 2022
Rp Rp
Rupiah Rupiah
Pihak berelasi (Catatan 35) 46.558 12.972 Related parties (Note 35)
Pihak ketiga 1.252.731 1.307.684 Third parties
Mata uang asing Foreign currency
Pihak berelasi (Catatan 35) 1.321 1.306 Related parties (Note 35)
Pihak ketiga 44.218 55.070 Third parties
Jumlah 1.344.828 1.377.032 Total
Tingkat bunga rata-rata per tahun The average annual interest rate
Rupiah 1,42% 1,14% Rupiah
Mata uang asing 0,25% 0,14% Foreign currencies
Pada tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, there
2022, tidak ada saldo tabungan yang is no saving accounts used as loan
dijadikan jaminan kredit. collateral.
c. Deposito Berjangka c. Time Deposits
Rincian deposito berjangka adalah sebagai The details of time deposits are as follows:
berikut:
2023 2022
Rp Rp
Rupiah Rupiah
Pihak berelasi (Catatan 35) 833.155 910.066 Related parties (Note 35)
Pihak ketiga 8.942.271 6.789.179 Third parties
Mata uang asing Foreign currency
Pihak berelasi (Catatan 35) 143.318 11.920 Related parties (Note 35)
Pihak ketiga 670.449 595.898 Third parties
Jumlah 10.589.193 8.307.063 Total
Tingkat bunga rata-rata per tahun The average annual interest rate
Rupiah 5,74% 4,33% Rupiah
Mata Uang Asing 4,03% 1,39% Foreign Currencies
87
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Saldo deposito berjangka berdasarkan The amount of time deposits based on
jangka waktu kontrak: the terms of the contract:
2023 2022
Rp Rp
1 bulan 6.335.689 5.399.036 1 month
3 bulan 3.419.785 2.433.512 3 months
6 bulan 675.692 328.392 6 months
12 bulan 158.027 143.623 12 months
24 bulan -- 2.500 24 months
Jumlah 10.589.193 8.307.063 Total
Saldo deposito berjangka berdasarkan The amount of time deposits based on
sisa umur sampai dengan saat jatuh their remaining period of maturity:
tempo:
2023 2022
Rp Rp
≤ 1 bulan 8,614,927 7,075,065 ≤ 1 month
> 1 bulan - 3 bulan 1,533,026 943,420 > 1 month - 3 months
> 3 bulan - 6 bulan 360,405 242,265 > 3 months - 6 months
> 6 bulan - 12 bulan 80,835 46,313 > 6 months - 12 months
Jumlah 10,589,193 8,307,063 Total
Pada tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, time
2022, jumlah deposito berjangka yang deposits freezed and pledged as loan
diblokir dan dijadikan jaminan kredit yang collateral amounted to Rp497,084 and
diberikan adalah sebesar Rp497.084 dan Rp404,253, respectively (Note 10.f.3).
Rp404.253 (Catatan 10.f.3).
17. Simpanan dari Bank Lain 17. Deposits from Other Banks
2023 2022
Rp Rp
Rupiah Rupiah
Call money 460,000 400,000 Call money
Giro 92,434 83,531 Current accounts
Deposito berjangka 22,500 31,000 Time deposits
Mata uang asing Foreign currency
Call money -- 46,703 Call money
Jumlah 574,934 561,234 Total
88
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Saldo deposito berjangka dan call money The amount of time deposits and call money
berdasarkan jangka waktu kontrak: based on the terms of the contract:
2023 2022
Rp Rp
≤ 1 bulan 473,500 476,703 ≤ 1 month
> 1 - 3 bulan 9,000 1,000 > 1 - 3 months
Jumlah 482,500 477,703 Total
Saldo deposito berjangka dan call money The amount of time deposits and call money
berdasarkan sisa umur jatuh tempo sampai based on their remaining period of maturity
dengan saat jatuh tempo:
2023 2022
Rp Rp
≤ 1 bulan 482,500 477,703 ≤ 1 month
> 1 - 3 bulan -- -- > 1 - 3 months
Jumlah 482,500 477,703 Total
Tingkat bunga rata-rata per tahun adalah The average interest rate per year is as
sebagai berikut: follows:
2023 2022
% %
Deposito Berjangka 4.56 3.60 Time Deposits
Giro 4.11 2.27 Current Accounts
Call Money - IDR 6.14 3.38 Call Money - IDR
Call Money - USD 3.38 1.71 Call Money - USD
18. Tagihan dan Liabilitas Derivatif 18. Derivatives Receivables and Liabilities
a. Berdasarkan Jenis dan Mata Uang a. By Type and Currency
Dalam melakukan usaha bisnis, Bank In the normal course of business, the Bank
melakukan transaksi instrumen keuangan enters into transactions involving derivative
derivatif seperti swap mata uang asing dan financial instruments such as currency swaps
transaksi spot. and spot transactions.
31 Desember/ December 31, 2023
Jumlah nosional
mata uang asing Tagihan Liabilitas
(jumlah penuh)/ derivatif/ derivatif/
Notional amount Pihak lawan Tanggal Derivative Derivative
in foreign currency transaksi/ jatuh tempo/ receivables liabilities
Instrumen (full amount) Counterparty Maturity Date Rp Rp Instruments
Terkait Nilai Tukar Exchange Rate Related
Spot mata uang asing - beli 02 Januari/ -- -- Foreign currency spot - buy
31.000 PT Bank Permata Tbk
USD Januari 2024 USD
Spot mata uang asing - jual 02 Januari/ -- -- Foreign currency spot - sell
40.901 PT Bank Permata Tbk
SGD Januari 2024 SGD
Spot mata uang asing - jual 02 Januari/ -- -- Foreign currency spot - sell
23.000 PT Bank Permata Tbk
AUD Januari 2024 AUD
Spot mata uang asing - beli 02 Januari/ -- -- Foreign currency spot - buy
15.732 PT Bank Permata Tbk
USD Januari 2024 USD
Spot mata uang asing - beli 02 Januari/ -- -- Foreign currency spot - buy
12.000 PT Bank Permata Tbk
USD Januari 2024 USD
Spot mata uang asing - jual 02 Januari/ -- -- Foreign currency spot - sell
15.815 PT Bank Permata Tbk
SGD Januari 2024 SGD
Spot mata uang asing - jual 03 Januari/ 1 -- Foreign currency spot - sell
30.000 PT Bank Danamon Tbk
USD Januari 2024 USD
Spot mata uang asing - beli 02 Januari/ -- 14 Foreign currency spot - buy
500.000 PT Bank Permata Tbk
USD Januari 2024 USD
Spot mata uang asing - jual 02 Januari/ -- -- Foreign currency spot - sell
18.000 PT Bank Permata Tbk
SGD Januari 2024 SGD
Swap mata uang asing - jual 02 Januari/ -- 955 Foreign currency swap - sell
9.000.000 PT Bank Permata Tbk
USD Januari 2024 USD
Jumlah 9.686.448 1 969 Total
89
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
31 Desember/ December 31, 2022
Jumlah nosional
mata uang asing Tagihan Liabilitas
(jumlah penuh)/ derivatif/ derivatif/
Notional amount Pihak lawan Tanggal Derivative Derivative
in foreign currency transaksi/ jatuh tempo/ receivables liabilities
Instrumen (full amount) Counterparty Maturity Date Rp Rp Instruments
Terkait Nilai Tukar Exchange Rate Related
Swap mata uang asing - beli 27 Januari/ Foreign currency swaps - buy
PT Bank Maybank Indonesia Tbk
USD 15.000.000 January 2023 -- 737 USD
Swap mata uang asing - beli 09 Januari/ Foreign currency swaps - buy
PT Bank Maybank Indonesia Tbk
USD 10.000.000 January 2023 -- 476 USD
Swap mata uang asing - beli 06 Januari/ Foreign currency swaps - buy
PT Bank Permata Tbk
SGD 7.000.000 January 2023 239 -- SGD
Swap mata uang asing - beli 13 Januari/ Foreign currency swaps - buy
PT Bank Permata Tbk
SGD 2.500.000 January 2023 235 -- SGD
Swap mata uang asing - beli PT Bank Negara Indonesia 03 Januari/ Foreign currency swaps - buy
USD 700.000 (Persero) Tbk January 2023 -- 72 USD
Swap mata uang asing - beli 03 Januari/ Foreign currency swaps - buy
PT Bank Permata Tbk
SGD 51.000 January 2023 -- 1 SGD
Swap mata uang asing - jual 03 Januari/ Foreign currency swaps - sell
PT Bank Permata Tbk
CNY 33.000 January 2023 51 -- CNY
Swap mata uang asing - beli 03 Januari/ Foreign currency swaps - buy
PT Bank Permata Tbk
SGD 33.000 January 2023 -- 1 SGD
Jumlah 35.317.000 525 1.287 Total
Jumlah nosional adalah suatu jumlah A notional amount is a number of the currency
dalam unit mata uang yang disebutkan units specified in the contract. The amount in
dalam perjanjian. Jumlah dalam daftar di the above table is presented at gross basis
atas disajikan secara bruto (penjumlahan (a sum of a buy and sell position in absolute
posisi beli dan jual-secara absolut). amount). Derivative liabilities represent the
Liabilitas derivatif merupakan nilai settlement value of derivative instruments as
penyelesaian transaksi derivatif pada of the reporting date.
tanggal pelaporan.
Pada tanggal 31 Desember 2023 dan As December 31, 2023 and 2022, all
2022, seluruh transaksi tagihan dan transactions for receivables and liabilities
liabilitas derivatif tidak diperuntukkan untuk derivative are not designated for hedging
tujuan lindung nilai. purposes.
Untuk tahun-tahun yang berakhir pada For the years ended December 31, 2023 and
31 Desember 2023 dan 2022, keuntungan 2022, the gains from changes in fair value of
atas perubahan nilai wajar instrumen derivative instruments which was recorded in
derivatif yang diakui dalam laba rugi the profit or loss amounted to Rp3,324 and
masing-masing sebesar Rp3.324 dan Rp2,892, respectively.
Rp2.892.
b. Berdasarkan Kolektibilitas b. By Collectibility
Pada tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022 all
2022, seluruh tagihan dan liabilitas derivatif derivatives receivables and liabilities are
digolongkan sebagai Lancar. classified as Current.
c. Berdasarkan Hubungan c. By Relationship
Pada tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022, all
2022, seluruh tagihan dan liabilitas derivatif derivatives receivables and liabilities are
merupakan transaksi dengan pihak ketiga. transaction with third parties.
90
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
19. Liabilitas atas Efek-efek yang Dijual dengan 19. Liabilities from Marketable Securities Sold
Janji Dibeli Kembali Under Agreements to Repurchase
31 Desember/ December 31, 2023
Pihak Pembeli/ Jenis Efek/ Nominal/ Tingkat Tanggal Tanggal Nilai Beban Bunga Nilai
Buyers Type of Principal Suku Mulai/ Jatuh Tempo/ Beli yang Belum Tercatat/
Securities Bunga/ Starting Maturity Kembali/ Diamortisasi/ Book
Interest Date Date Repurchase Unamortised Value
Rate Price Interest
Expense
Rp Rp Rp Rp
20 Desember/ 17 Januari/
Bank Indonesia VR0064 474,961 6.70% December 2023 January 2024 477,435 2,475 474,960
29 Desember/ 05 Januari/
Bank Indonesia FR0084 455,443 6.25% December 2023 January 2024 455,996 553 455,443
06 Desember/ 08 Januari/
PT Bank Central Asia Tbk IDSR170524182S 372,000 6.65% December 2023 January 2024 363,167 2,200 360,967
22 Desember/ 05 Januari/
PT Bank Central Asia Tbk IDSR061224364S 300,000 6.55% December 2023 January 2024 281,808 716 281,092
PT Bank Pembangunan
Daerah Kalimantan
Timur dan Kalimantan 27 Desember/ 02 Januari/
Utara FR0086 235,588 6.27% December 2023 January 2024 235,833 245 235,588
21 Desember/ 04 Januari/
PT Bank Central Asia Tbk IDSR061224364S 200,000 6.55% December 2023 January 2024 187,838 477 187,361
22 Desember/ 05 Januari/
PT Bank Central Asia Tbk IDSR270524185S 200,000 6.55% December 2023 January 2024 194,809 495 194,314
28 Desember/ 28 Maret/
Bank Indonesia IDSR151124364S 200,000 6.78% December 2023 March 2024 191,573 3,228 188,345
PT Bank Pembangunan
Daerah Kalimantan
Timur dan Kalimantan 27 Desember/ 03 Januari/
Utara FR0090 185,250 6.27% December 2023 January 2024 185,476 226 185,250
08 Desember/ 08 Januari/
PT Bank Central Asia Tbk FR0088 183,927 6.65% December 2023 January 2024 184,980 1,053 183,927
06 Desember/ 08 Januari/
PT Bank Central Asia Tbk IDSR160824273S 168,000 6.65% December 2023 January 2024 161,228 977 160,251
20 Desember/ 17 Januari/
Bank Indonesia FR0065 165,209 6.70% December 2023 January 2024 166,070 861 165,209
PT Bank Pembangunan 27 Desember/ 04 Januari/
Daerah Jawa Timur Tbk VR0044 144,894 6.28% December 2023 January 2024 145,096 202 144,894
PT Bank Pembangunan 27 Desember/ 04 Januari/
Daerah Jawa Timur Tbk VR0044 144,894 6.28% December 2023 January 2024 145,096 202 144,894
PT Bank Pembangunan 19 Desember/ 02 Januari/
Daerah Jawa Timur Tbk VR0063 142,459 6.40% December 2023 January 2024 142,814 355 142,459
PT Bank Pembangunan 19 Desember/ 02 Januari/
Daerah Jawa Timur Tbk VR0063 142,459 6.40% December 2023 January 2024 142,814 355 142,459
PT Bank Pembangunan
Daerah Kalimantan
Timur dan Kalimantan 22 Desember/ 05 Januari/
Utara FR0089 93,936 6.46% December 2023 January 2024 94,172 236 93,936
PT Bank Pembangunan
Daerah Kalimantan
Timur dan Kalimantan 20 Desember/ 03 Januari/
Utara FR0091 92,300 6.43% December 2023 January 2024 92,531 231 92,300
PT Bank Pembangunan
Daerah Kalimantan
Timur dan Kalimantan 20 Desember/ 03 Januari/
Utara FR0088 90,505 6.43% December 2023 January 2024 90,731 226 90,505
20 Desember/ 17 Januari/
Bank Indonesia FR0087 84,469 6.70% December 2023 January 2024 84,909 440 84,469
PT Bank Pembangunan 27 Desember/ 04 Januari/
Daerah Jawa Timur Tbk VR0072 75,260 6.28% December 2023 January 2024 75,365 105 75,260
20 Desember/ 17 Januari/
Bank Indonesia VR0049 72,095 6.70% December 2023 January 2024 72,471 376 72,095
20 Desember/ 17 Januari/
Bank Indonesia VR0065 71,244 6.70% December 2023 January 2024 71,615 371 71,244
28 Desember/ 28 Maret/
Bank Indonesia IDSR140624273S 50,000 6.78% December 2023 March 2024 49,375 832 48,543
PT Bank Pembangunan 27 Desember/ 04 Januari/
Daerah Jawa Timur Tbk VR0045 48,298 6.28% December 2023 January 2024 48,365 67 48,298
PT Bank Pembangunan 27 Desember/ 04 Januari/
Daerah Jawa Timur Tbk VR0093 48,253 6.28% December 2023 January 2024 48,320 67 48,253
PT Bank Pembangunan 27 Desember/ 04 Januari/
Daerah Jawa Timur Tbk VR0073 46,993 6.28% December 2023 January 2024 47,059 66 46,993
20 Desember/ 17 Januari/
Bank Indonesia IDSR150324182S 27,000 6.70% December 2023 January 2024 26,739 139 26,600
28 Desember/ 28 Maret/
Bank Indonesia IDSR150524182S 27,000 6.77% December 2023 March 2024 26,762 450 26,312
28 Desember/ 04 Januari/
Bank Indonesia IDSR150324182S 23,000 6.25% December 2023 January 2024 22,718 28 22,690
20 Desember/ 17 Januari/
Bank Indonesia VR0069 7,418 6.70% December 2023 January 2024 7,457 39 7,418
Jumlah/ Total 4,572,855 4,520,622 18,293 4,502,329
91
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
31 Desember/ December 31, 2022
Pihak Pembeli/ Jenis Efek/ Nominal/ Tingkat Tanggal Tanggal Nilai Beban Bunga Nilai
Buyers Type of Principal Suku Mulai/ Jatuh Tempo/ Beli yang Belum Tercatat/
Securities Bunga/ Starting Maturity Kembali/ Diamortisasi/ Book
Interest Date Date Repurchase Unamortised Value
Rate Price Interest
Expense
Rp Rp Rp Rp
December 2022 January 2023
Bank Indonesia VR0053 300,000 5.75% 27 Desember/ 03 Januari/ 283,083 2,952 280,131
PT Bank Rakyat
Indonesia (Persero) 08 November/ 07 Februari/
Tbk FR0088 250,000 5.73% November 2022 February 2023 219,621 6,233 213,388
PT Bank Central 27 Desember/ 03 Januari/
Asia Tbk FR0092 238,000 5.75% December 2022 January 2023 221,287 559 220,728
27 Desember/ 03 Januari/
Bank Indonesia VR0053 225,000 5.75% December 2022 January 2023 212,312 2,214 210,098
PT Bank Pembangunan
Daerah Jawa 28 Desember/ 11 Januari/
Timur Tbk VR0037 200,000 6.00% December 2022 January 2023 187,225 991 186,234
PT Bank Pembangunan
Daerah Jawa 28 Desember/ 11 Januari/
Timur Tbk VR0037 200,000 6.00% December 2022 January 2023 187,225 991 186,234
PT Bank Pembangunan
Daerah Jawa 28 Desember/ 11 Januari/
Timur Tbk VR0037 200,000 6.00% December 2022 January 2023 187,225 991 186,234
PT Bank Pembangunan
Daerah Jawa 28 Desember/ 11 Januari/
Timur Tbk VR0037 200,000 6.00% December 2022 January 2023 187,225 991 186,234
PT Bank Pembangunan
Daerah Jawa 28 Desember/ 11 Januari/
Timur Tbk VR0037 200,000 6.00% December 2022 January 2023 187,225 991 186,234
PT Bank Pembangunan
Daerah Jawa 26 Desember/ 02 Januari/
Timur Tbk VR0068 200,000 5.80% December 2022 January 2023 191,020 408 190,612
PT Bank Pembangunan
Daerah Jawa 26 Desember/ 02 Januari/
Timur Tbk VR0068 200,000 5.80% December 2022 January 2023 191,020 408 190,612
PT Bank Maybank 26 Desember/ 02 Januari/
Indonesia Tbk VR0068 200,000 5.87% December 2022 January 2023 180,231 408 179,824
PT Bank Central 23 Desember/ 06 Januari/
Asia Tbk VR0041 200,000 6.00% December 2022 January 2023 185,352 448 184,903
27 Desember/ 03 Januari/
Bank Indonesia VR0053 200,000 5.75% December 2022 January 2023 188,722 1,968 186,754
PT Bank Central 29 Desember/ 02 Januari/
Asia Tbk FR0087 190,000 5.95% December 2022 January 2023 174,761 3,624 171,137
PT Bank Pembangunan
Daerah Jawa 23 Desember/ 06 Januari/
Timur Tbk VR0037 150,000 5.95% December 2022 January 2023 140,251 666 139,585
PT Bank Pembangunan
Daerah Jawa 29 Desember/ 06 Januari/
Timur Tbk VR0075 150,000 5.85% December 2022 January 2023 142,578 1,999 140,579
PT Bank Pembangunan
Daerah Jawa 27 Desember/ 10 Januari/
Timur Tbk VR0077 150,000 6.00% December 2022 January 2023 141,613 1,079 140,534
Bank Indonesia VR0068 150,000 5.75% December 2022 January 2023 139,556 319 139,237
27 Desember/ 03 Januari/
PT Bank Pembangunan
Daerah Jawa 05 Desember/ 04 Januari/
Timur Tbk FR0065 128,000 5.90% December 2022 January 2023 116,164 471 115,692
PT Bank Pembangunan
Daerah Jawa 28 Desember/ 04 Januari/
Timur Tbk VR0053 125,000 5.80% December 2022 January 2023 117,994 1,250 116,744
PT Bank Central 07 Desember/ 09 Januari/
Asia Tbk FR0091 100,000 5.90% December 2022 January 2023 90,061 928 89,133
27 Desember/ 03 Januari/
Bank Indonesia VR0065 100,000 5.75% December 2022 January 2023 92,729 129 92,600
PT Bank Pembangunan
Daerah Jawa 29 Desember/ 06 Januari/
Timur Tbk VR0075 100,000 5.85% December 2022 January 2023 95,052 1,333 93,719
PT Bank Negara
Indonesia (Persero) 27 Oktober/ 26 Januari/
Tbk FR0089 99,000 5.73% October 2022 January 2023 87,488 1,350 86,138
PT Bank Negara
Indonesia (Persero) 29 November/ 28 Februari/
Tbk FR0065 50,000 6.23% November 2022 February 2023 44,891 129 44,763
PT Bank Pembangunan
Daerah Jawa 23 Desember/ 06 Januari/
Timur Tbk VR0072 50,000 5.95% December 2022 January 2023 47,183 352 46,831
PT Bank Pembangunan
Daerah Jawa 05 Desember/ 04 Januari/
Timur Tbk FR0088 49,000 5.90% December 2022 January 2023 43,800 1,448 42,352
PT Bank Pembangunan
Daerah Jawa 27 Desember/ 10 Januari/
Timur Tbk FR0096 30,000 6.00% December 2022 January 2023 29,414 765 28,649
Jumlah/ Total 4,634,000 4,312,308 36,395 4,275,913
Pada tahun-tahun yang berakhir pada For the years ended December 31, 2023 and
31 Desember 2023 dan 2022, tidak terdapat 2022, there were no liabilities from marketable
saldo liabilitas atas efek-efek yang dijual securities sold under repurchase agreement
dengan janji dibeli kembali dengan pihak with related parties.
berelasi.
92
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
20. Perpajakan 20. Taxation
a. Utang Pajak b. a. Tax Payable
2023 2022
Rp Rp
Pajak Penghasilan Income Taxes
Pasal 4 (2) 11,231 7,304 Article 4 (2)
Pasal 21 2,886 3,540 Article 21
Pasal 25 1,041 403 Article 25
Pasal 23 768 133 Article 23
Pasal 29 26,568 14,566 Article 29
Pajak Pertambahan Nilai 495 724 Value-added tax
Jumlah 42,989 26,670 Total
b. Beban Pajak Penghasilan c. b. Income Tax Expense
2023 2022
Rp Rp
Pajak Kini (35,273) (18,914) Current tax
Pajak Tangguhan (8,721) (11,374) Deferred tax
Jumlah (43,994) (30,288) Total
c.
c. Pajak Kini d. c. Current Tax
Rekonsiliasi antara laba sebelum pajak A reconciliation between profit before
penghasilan yang disajikan dalam laporan income tax as presented in statements of
laba rugi dan taksiran laba fiskal Bank profit or loss and estimated taxable income
adalah sebagai berikut: of the Bank is as follows:
2023 2022
Rp Rp
Laba sebelum Pajak Penghasilan Profit before Current Income Tax
Menurut Laporan Laba Rugi 185,530 134,133 per Statement of Profit or Loss
Perbedaan Waktu: Timing Differences:
Pembentukan/(pemulihan) Provision for/(recovery) of
cadangan kerugian allowance for impairment losses
penurunan nilai aset produktif: on earning assets:
Kredit yang diberikan (8,802) (6,199) Loans
Agunan yang diambil alih 3,858 (1,375) Foreclossed assets
Lainnya (9,573) (2,483) Others
Amortisasi aset takberwujud (18,293) (20,243) Amortization of intangible assets
Cadangan Training 629 (937) Allowance for training
Penyusutan aset tetap (7,242) (3,931) Depreciation of fixed assets
Beban imbalan pascakerja 10,579 (16,533) Post employee benefits
Liabilitas sewa (46) -- Lease liabilities
Lain-lain 877 1 Others
Jumlah (28,013) (51,700) Total
Perbedaan Tetap: Permanent Differences:
Promosi 2,367 1,852 Promotion
Penyusutan aset tetap 181 205 Fixed assets depreciation
Sumbangan 228 181 Donation
Lain-lain 37 1,300 Others
Jumlah 2,813 3,538 Total
Taksiran Laba Fiskal Estimated Taxable Income
Tahun Berjalan 160,330 85,971 Current Year
93
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
2023 2022
Rp Rp
Taksiran Pajak Penghasilan Estimated Income Taxes
31 Des 2023: 22% x Rp160.330 35,273 -- Des 31, 2023: 22% x Rp160,330
31 Des 2022: 22% x Rp85.971 -- 18,914 Dec 31, 2022: 22% x Rp85,971
35,273 18,914
Dikurangi Kredit Pajak: Less Tax Credit:
PPh Pasal 25 (8,705) (4,348) Income Tax Article 25
Taksiran Utang Pajak Penghasilan 26,568 14,566 Estimated Income Tax Payable
Perhitungan pajak penghasilan badan The calculation of corporate income tax for
untuk tahun yang berakhir pada tanggal the year ended December 31, 2023 is the
31 Desember 2023 menjadi dasar dalam basis for filling out the Annual Corporate
pengisian Surat Pemberitahuan (SPT) Income Tax Return.
Tahunan PPh Badan.
Perhitungan pajak penghasilan badan The calculation of corporate income for the
untuk tahun yang berakhir tanggal year ended December 31, 2023 and 2022
31 Desember 2023 dan 2022 telah sesuai conform with the Annual Tax Return that
dengan SPT yang dilaporkan ke kantor submitted to tax office.
pajak.
Pada tanggal 29 Oktober 2021, Pemerintah On October 29, 2021, the Government
menerbitkan Undang-Undang (UU) issued Law of Republic of Indonesia No. 7
Republik Indonesia No. 7 Tahun 2021 Year 2021 concerning Harmonization of
tentang Harmonisasi Peraturan Perpajakan Tax Regulations which is effective as of
yang berlaku efektif sejak tanggal October 29, 2021. The regulation has
29 Oktober 2021. Aturan tersebut stipulated the income tax rate for domestic
menetapkan tarif pajak penghasilan wajib corporate taxpayers and permanent
pajak badan dalam negeri dan bentuk establishments at 22% (twenty two
usaha tetap sebesar 22% (dua puluh dua percent) which will be effective from the
persen) yang mulai berlaku pada tahun Fiscal Year 2022. Hence, the previously
pajak 2022. Dengan demikian, penetapan tax rate determination of 20% (twenty
tarif pajak sebelumnya sebesar 20% (dua percent) will be invalid after the ratification
puluh persen) menjadi tidak berlaku sejak of this Law.
Undang-Undang ini disahkan.
d. Pajak Tangguhan e. d. Deferred Tax
Pajak tangguhan dihitung berdasarkan f. Deferred tax is computed based on the
perbedaan waktu antara jumlah tercatat temporary differences between the
aset dan liabilitas menurut laporan carrying amounts of assets and liabilities
keuangan dengan dasar pengenaan pajak as per financial statements and tax bases
dari aset dan liabilitas. Rincian dari aset of assets and liabilities, with details as
dan liabilitas pajak tangguhan adalah follows:
sebagai berikut:
94
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Dikreditkan Penghasilan
(dibebankan) komprehensif
Penyesuaian ke laba rugi/ lain/
1 Jan/ pajak tangguhan/ Credited Other 31 Des/
Jan 1, Adjustment (charges) to comprehensive Dec 31,
2023 of deffered tax profit or loss income 2023
Rp Rp Rp Rp Rp
Cadangan kerugian Allowance for
penurunan nilai (11,545) -- (3,193) -- (14,738) impairment losses
Cadangan imbalan kerja 2,006 -- 2,327 535 4,868 Provision for employee benefits
Perubahan nilai wajar efek-efek Changes on fair value through
yang diukur melalui penghasilan other comprehensive income
komprehensif lain 10,629 -- -- (18,654) (8,025) marketable securities fair value
Cadangan training -- -- 138 -- 138 Allowance for training
Penyusutan aset tetap 926 -- (1,593) -- (667) Fixed assets depreciation
Amortisasi aset takberwujud (12,264) -- (4,024) -- (16,288) Amortization of intangible assets
Cadangan kerugian operasional 272 -- 193 -- 465 Allowance for operational losses
Liabilitas sewa -- 1,138 (10) -- 1,128 Lease liabilities
Aset hak guna -- (3,697) -- -- (3,697) Right of use assets
Aset (Liabilitas) Deferred Tax
Pajak Tangguhan - Bersih (9,976) (2,559) (6,162) (18,119) (36,816) Assets (Liabilities) - Net
Dikreditkan
(dibebankan)
ke penghasilan
komprehensif
Dikreditkan lain/
Dampak (dibebankan) Credited
perubahan ke laba rugi/ (charges) to
1 Jan/ tarif pajak/ Credited other 31 Des/
Jan 1, Effect of change (charges) to comprehensive Dec 31,
2022 in tax rate profit or loss income 2022
Rp Rp Rp Rp Rp
Cadangan kerugian Allowance for
penurunan nilai (9,332) -- (2,213) -- (11,545) impairment losses
Cadangan imbalan kerja 6,301 -- (3,637) (658) 2,006 Provision for employee benefits
Perubahan nilai wajar efek-efek Changes on fair value through
nilai wajar melalui penghasilan other comprehensive income
komprehensif lain 1,247 -- -- 9,382 10,629 marketable securities fair value
Cadangan training 206 -- (206) -- -- Allowance for training
Penyusutan aset tetap 1,791 -- (865) -- 926 Fixed assets depreciation
Amortisasi aset takberwujud (7,811) -- (4,453) -- (12,264) Amortization of intangible assets
Cadangan kerugian operasional 272 -- -- -- 272 Allowance for operational losses
Aset (Liabilitas) Deferred Tax
Pajak Tangguhan - Bersih (7,326) -- (11,374) 8,724 (9,976) Assets (Liabilities) - Net
Manajemen berpendapat bahwa aset dan The management believes that total
liabilitas pajak tangguhan yang timbul dari deferred tax assets and liabilities arising
perbedaan waktu kemungkinan besar from temporary differences are probable to
dapat direalisasi pada tahun-tahun be realized in the future years.
mendatang.
Rekonsiliasi antara beban pajak dan hasil A reconciliation between the total tax
perkalian laba akuntansi sebelum pajak expense and the amounts computed by
menurut laporan laba rugi dengan tarif applying the effective tax rates to income
pajak yang berlaku adalah sebagai berikut: before tax per statements of profit or loss
is as follows:
2023 2022
Rp Rp
Laba Sebelum Pajak Penghasilan Profit Before Current Income Tax
Menurut Laporan Laba Rugi 185,530 134,133 per Statement of Profit or Loss
Beban pajak penghasilan yang dihitung Corporate income tax based on
dengan tarif pajak yang berlaku 40,817 29,510 the prevailing tax rate
Pengaruh beban yang tidak
dapat dikurangkan 618 778 Non-deductible expenses
Pengaruh perubahan tarif pajak 2,559 -- Effect on changes in tax rate
Beban pajak 43,994 30,288 Tax expenses
95
Page 527
PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
e. Administrasi f. e. Administration
Sesuai dengan peraturan perpajakan di Under the taxation laws in Indonesia, the
Indonesia, Bank melaporkan/menyetorkan Bank submit/pay tax returns on the basis
pajak berdasarkan prinsip self assessment. of self assessments. The tax authorities
Fiskus dapat menetapkan/mengubah may assess/amend taxes within the
pajak-pajak tersebut dalam jangka waktu statute of limitations, under prevailing
tertentu sesuai peraturan yang berlaku. regulations.
21. Liabilitas Lain-lain 21. Other Liabilities
2023 2022
Rp Rp
Pendapatan yang ditangguhkan 106,385 155,839 Deferred income
Akrual beban bunga 51,849 35,320 Accrued interest expenses
Beban akrual 7,368 6,424 Accrued expenses
Liabilitas terkait transaksi ATM 13,211 6,945 Liabilities relating ATM transaction
Liabilitas sewa 5,126 7,808 Lease liability
Estimasi kerugian atas komitmen Estimated losses from commitments
dan kontinjensi 2,864 3,373 and contingencies
Lain-lain 44,832 67,878 Others
Jumlah 231,635 283,587 Total
Pendapatan yang ditangguhkan terdiri dari Deferred income consists of unearned income
pendapatan diterima dimuka dari transaksi jual from factoring transactions and unearned
beli piutang dan pendapatan administrasi credit administration income, that have not
kredit yang diterima dimuka, yang belum been amortized.
diamortisasi.
Akrual beban bunga merupakan bunga yang Accrued interest is accrued interest on
masih harus dibayar atas simpanan nasabah deposits from customers and deposits from
dan simpanan dari bank lain. other banks.
Beban akrual terdiri dari beban kantor dan Accrued expenses consist of office and
umum kepada pihak ketiga. administrative expense to third parties.
Liabilitas terkait dengan transaksi ATM Liabilities relating to ATM transaction consist of
merupakan kewajiban terkait dengan transaksi transactions through ATM Bersama and ATM
melalui jaringan ATM Bersama dan ATM Prima.
Prima.
Estimasi kerugian atas komitmen dan Estimated losses on commitments and
kontinjensi merupakan estimasi cadangan contingencies are estimated reserves for
kerugian atas bank garansi dan kelonggaran losses on bank guarantees and unused loan.
tarik.
96
Page 528
PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Perubahan estimasi kerugian pada komitmen The movements of estimated losses on
dan kontinjensi adalah sebagai berikut: commitments and contingencies are as
follows:
31 Desember/ December 31, 2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rp Rp Rp Rp
Bank Garansi Bank Guarantee
Nilai tercatat awal 579 -- -- 579 Initial carrying value
Aset baru 342 -- -- 342 New assets originated
Aset dihentikan Assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) (396) -- -- (396) (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali (20) -- -- (20) Remeasurement
Nilai tercatat akhir 505 -- -- 505 Ending carrying value
31 Desember/ December 31, 2022
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rp Rp Rp Rp
Bank Garansi Bank Guarantee
Nilai tercatat awal 1,011 -- -- 1,011 Initial carrying value
Aset baru 446 -- -- 446 New assets originated
Aset dihentikan Assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) (836) -- -- (836) (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali (42) -- -- (42) Remeasurement
Nilai tercatat akhir 579 -- -- 579 Ending carrying value
31 Desember/ December 31, 2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rp Rp Rp Rp
Fasilitas kredit kepada
nasabah yang belum ditarik Unused loan facility
Nilai tercatat awal 2,794 -- -- 2,794 Initial carrying value
Aset baru 184 -- -- 184 New assets originated
Aset dihentikan Assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) (482) -- -- (482) (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali (137) -- -- (137) Remeasurement
Nilai tercatat akhir 2,359 -- -- 2,359 Ending carrying value
97
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
31 Desember/ December 31, 2022
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Rp Rp Rp Rp
Fasilitas kredit kepada
nasabah yang belum ditarik Unused loan facility
Nilai tercatat awal 4,642 -- -- 4,642 Initial carrying value
Aset baru 435 -- -- 435 New assets originated
Aset dihentikan Assets derecognized
pengakuannya atau dilunasi or repaid
(kecuali hapus buku) (633) -- -- (633) (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali (1,650) -- -- (1,650) Remeasurement
Nilai tercatat akhir 2,794 -- -- 2,794 Ending carrying value
22. Modal Saham 22. Share Capital
Rincian pemegang saham dan kepemilikannya The details of the shareholders and their
per 31 Desember 2023 dan 2022 adalah ownerships as of December 31, 2023 and
sebagai berikut: 2022 are as follows:
31 Desember/ December 31, 2023
Jumlah Saham Persentase Jumlah/
Ditempatkan dan Pemilikan/ Total
Disetor Penuh/ Percentage of
Number of Shares Ownership
Issued and Fully Paid (%) Rp
PT Putera Mulia Indonesia 1,792,267,962 23.97 179,227 PT Putera Mulia Indonesia
PT Prima Cakrawala Sentosa 1,545,395,402 20.66 154,540 PT Prima Cakrawala Sentosa
PT Star Pacific Tbk 1,000,670,721 13.38 100,067 PT Star Pacific Tbk
PT Matahari Department Store Tbk 728,000,000 9.73 72,800 PT Matahari Department Store Tbk
PT Inti Anugerah Pratama 600,071,121 8.02 60,007 PT Inti Anugerah Pratama
OCBC Securities Pte Ltd - Client A/C 516,348,700 6.90 51,635 OCBC Securities Pte Ltd - Client A/C
Nomura Securities Co Ltd A/C Client 428,391,000 5.73 42,839 Nomura Securities Co Ltd A/C Client
Masyarakat (masing-masing di bawah 5%) 867,298,993 11.61 86,729 Public (each below 5%)
Jumlah 7,478,443,899 100.00 747,844 Total
31 Desember/ December 31, 2022
Jumlah Saham Persentase Jumlah/
Ditempatkan dan Pemilikan/ Total
Disetor Penuh/ Percentage of
Number of Shares Ownership
Issued and Fully Paid (%) Rp
PT Putera Mulia Indonesia 1,099,000,000 23.88 109,900 PT Putera Mulia Indonesia
PT Prima Cakrawala Sentosa 868,750,000 18.87 86,875 PT Prima Cakrawala Sentosa
PT Matahari Department Store Tbk 728,000,000 15.82 72,800 PT Matahari Department Store Tbk
OCBC Securities Pte Ltd - Client A/C 516,356,700 11.22 51,636 OCBC Securities Pte Ltd - Client A/C
Nomura Securities Co Ltd A/C Client 428,391,000 9.31 42,839 Nomura Securities Co Ltd A/C Client
PT Lippo General Insurance Tbk 337,332,300 7.33 33,733 PT Lippo General Insurance Tbk
Masyarakat (masing-masing di bawah 5%) 624,449,422 13.57 62,445 Public (each below 5%)
Jumlah 4,602,279,422 100.00 460,228 Total
Pada tanggal 31 Desember 2023 dan 2022 As of December 31, 2023 and 2022, PT Putera
dan, PT Putera Mulia Indonesia sebagai Mulia Indonesia as the Bank ultimate
pemegang saham pengendali Bank, yang shareholder, was approved from OJK through
telah disetujui oleh OJK melalui surat letter No. SR-139/PB.31/2022 dated
No. SR-139/PB.31/2022 tanggal 27 Desember December 27, 2022.
2022.
98
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Berikut rekonsiliasi jumlah saham yang The following is the reconciliation of the
beredar pada tanggal 31 Desember 2023 dan number of outstanding shares as of
2022: December 31, 2023 and 2022:
2023 2022
(Lembar/Shares) (Lembar/Shares)
Jumlah Saham Beredar Total Outstanding Shares at
pada Awal Tahun 4,602,279,422 4,437,912,300 Beginning of the Year
Penerbitan Saham Baru 2,876,164,477 164,367,122 Issuance of New Shares
Jumlah Saham Beredar Total Outstanding Shares at
pada Akhir Tahun 7,478,443,899 4,602,279,422 End of the Year
Berdasarkan Akta Berita Acara Rapat Umum Based on Deed Extraordinary General Meeting
Pemegang Saham Luar Biasa No. 7 tanggal of Shareholders No. 7 dated December 10,
10 Desember 2012 dari Unita Christina 2012 of Unita Christina Winata, S.H., Notary in
Winata, S.H., Notaris di Jakarta, telah diambil Jakarta, has made the following decisions:
keputusan-keputusan sebagai berikut:
1. Menyetujui rencana Bank untuk 1. Approved the Bank’s plan for initial public
melakukan penawaran umum perdana offering by issuing shares to the public
saham-saham Bank kepada masyarakat (Public Offering) and listed bank shares on
(Penawaran Umum) dan mencatatkan the Indonesia Stock Exchange and change
saham-saham Bank tersebut pada bursa the status of the Bank from Private Bank to
efek di Indonesia serta mengubah status be Publicly Listed, have been approved.
Bank dari Perseroan Tertutup menjadi
Perseroan Terbuka.
2. Menyetujui untuk meningkatkan modal 2. Approved to increase the Bank's
dasar Bank dari semula sebesar authorized capital from Rp520,000 to
Rp520.000 menjadi Rp795.000, serta Rp795,000, as well as change the par
mengubah nilai nominal masing-masing value of each share of the Bank from
saham Bank dari semula sebesar Rp1.000 original amount of Rp1,000 (in full rupiah)
(dalam rupiah penuh) menjadi Rp100 to Rp100 (in full rupiah).
(dalam rupiah penuh).
3. Menyetujui untuk mengeluarkan saham 3. Approved to issue shares in the portfolio
dalam simpanan/portepel dalam jumlah amounting to 2,500,000,000 (in full units)
sebanyak-banyaknya 2.500.000.000 of shares and offer/sell new shares
(dalam satuan penuh) saham dan through Public Offering to the public in an
menawarkan/menjual saham baru yang amount of up to 2,500,000,000 (in full
akan dikeluarkan dari portepel tersebut units) new shares with the new par value
melalui Penawaran Umum kepada of Rp100 per share (in full amount).
masyarakat dalam jumlah sebanyak-
banyaknya 2.500.000.000 (dalam satuan
penuh) saham baru dengan nilai nominal
masing-masing saham sebesar Rp100
(dalam rupiah penuh).
4. Menyetujui untuk mencatatkan seluruh 4. Approved to register all shares of the Bank
saham Bank setelah dilaksanakannya after the implementation of the Public
Penawaran Umum atas saham-saham Offering of the shares and sold to the
yang ditawarkan dan dijual kepada public through the capital markets and
masyarakat melalui pasar modal dan includes shares held by existing
termasuk saham-saham yang dimiliki oleh shareholders on the Indonesia Stock
pemegang saham lama pada Bursa Efek Exchange (Company Listing).
Indonesia (Company Listing).
Perubahan Anggaran Dasar tersebut telah Amendments to the Articles of Association
mendapat persetujuan dari Menteri Hukum were approved by the Minister of Law and
dan Hak Asasi Manusia Republik Indonesia Human Rights of the Republic of Indonesia
No. AHU-64129.AH.01.02.Tahun 2012 tanggal No. AHU-64129.AH.01.02.Tahun 2012 dated
14 Desember 2012. December 14, 2012.
99
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Berdasarkan Akta Pernyataan Keputusan Based on Deed of Extraordinary General
Rapat Umum Pemegang Saham Luar Biasa Shareholders Meeting No. 19 dated
No. 19 tanggal 20 Mei 2013 dari Notaris Unita May 20, 2013 of Notary Unita Christina
Christina Winata, S.H., notaris di Jakarta, Winata, S.H., notary in Jakarta, approved an
disetujui peningkatan modal ditempatkan dan increase in the issued and paid up capital to
disetor dari Rp199.000 menjadi Rp414.583. Rp199,000 from Rp414,583. The increase in
Peningkatan modal ditempatkan dan disetor the issued and paid up capital amounting to
sebesar Rp215.583 berasal dari penawaran Rp215,583 is derived from initial public offering
umum perdana sebanyak 2.155.830.000 of as much as 2,155,830,000 (in full units)
(dalam satuan penuh) saham biasa atas nama ordinary shares each with a par value of
masing-masing dengan nilai nominal Rp100 Rp100 (in full amount), which is offered to the
(dalam satuan penuh), yang ditawarkan public at a price of Rp375 per share (in full
kepada masyarakat dengan harga Rp375 per rupiah).
saham (dalam rupiah penuh).
Prima Cakrawala Sentosa (PCS) juga Prima Cakrawala Sentosa (PCS) also take part
mengambil bagian dalam penawaran umum in the public offering to buy 658,000,000 (in full
dengan membeli saham sebanyak units) shares or 30.52 % of the ordinary
658.000.000 (dalam satuan penuh) saham shares, as a result, the number of PCS
atau 30,52% dari jumlah saham biasa atas ownership over the shares of the Bank was
nama yang ditawarkan, sehingga jumlah increased from 210,750,000 shares
kepemilikan PCS atas saham Bank mengalami (in full units) which is equivalent to Rp21,075
peningkatan dari 210.750.000 (dalam satuan into 868,750,000 shares (in full units) which is
penuh) saham setara dengan Rp21.075 equivalent to Rp86,875.
menjadi 868.750.000 (dalam satuan penuh)
saham setara dengan Rp86.875.
Akta perubahan ini telah diterima dan dicatat di This deed of amendment has been received
dalam database sistem Administrasi Badan and recorded in the database of the Legal
Hukum Kementerian Hukum dan Hak Asasi Entity Administration of the Ministry of Law and
Manusia Republik Indonesia sesuai Surat Human Rights of the Republic of Indonesia in
Penerimaan Pemberitahuan Perubahan accordance with the Letter of Acceptance of
Anggaran Dasar Perseroan Notification of Amendment to the Company's
No.AHU-AH.01.10-21373 tanggal 31 Mei Articles of Association No.AHU-AH.01.10-
2013, dan telah didaftar dalam Daftar 21373 date May 31, 2013, and has been
Perseroan No.AHU-0050856.AH.01.09. Tahun registered in the Company Register No.AHU-
2013 tanggal 31 Mei 2013. 0050856.AH.01.09. Tahun 2013 dated May 31,
2013.
Berdasarkan Akta Pernyataan Keputusan Based on Deed of Extraordinary General
Rapat Umum Pemegang Saham Luar Biasa Shareholders Meeting No. 34 dated
No. 34 tanggal 26 Agustus 2014 dari Notaris August 26, 2014 of Notary Unita Christina
Unita Christina Winata, S.H., notaris di Winata, S.H., notary in Jakarta, approved the
Jakarta, disetujui penerbitan saham baru tanpa issuance of new shares without Pre-emptive
Hak Memesan Efek Terlebih Dahulu sejumlah Rights for 414,583,000 shares.
sebanyak-banyaknya 414.583.000 saham.
Penambahan saham baru Tanpa Hak The addition of new shares without Pre-
Memesan Efek Terlebih Dahulu diterbitkan emptive Rights issued as many as
sebanyak 165.500.000 (dalam satuan penuh) 165,500,000 (in full units) ordinary shares with
saham biasa dengan nilai nominal per saham par value per share of Rp100 (full amount) and
Rp100 (nilai penuh) dan harga penawaran offering price of Rp790 (full amount) per share,
sebesar Rp790 (nilai penuh) per saham, yang taken entirely by OCBC Securities Pte-Ltd A/C.
diambil seluruhnya oleh OCBC Securities Pte–
Ltd A/C.
100
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Persetujuan atas adanya Penambahan Modal Approval of Additional Capital Without Pre-
Tanpa Hak Memesan Efek Terlebih Dahulu emptive Rights for a total of 165,500,000 (in
untuk sejumlah 165.500.000 (dalam satuan full units) shares, so that the total issued and
penuh) saham, sehingga jumlah modal paid-up capital is 4,311,330,000 (in full units)
ditempatkan dan disetor penuh sebesar shares has been approved based on the Deed
4.311.330.000 (dalam satuan penuh) saham of Statement of Decisions of the General
telah disetujui berdasarkan Akta Pernyataan Meeting of Shareholders Extraordinary No. 44
Keputusan Rapat Umum Pemegang Saham dated 21 May 2015 from Notary Unita
Luar Biasa No. 44 tanggal 21 Mei 2015 dari Christina Winata, S.H., Notary in Jakarta, so
Notaris Unita Christina Winata, S.H., Notaris di that the total issued and fully paid capital is
Jakarta, sehingga jumlah modal ditempatkan 4,311,330,000 (in full units) shares with a total
dan disetor penuh sebesar 4.311.330.000 nominal value of Rp431,133.
(dalam satuan penuh) saham dengan nilai
nominal seluruhnya sebesar Rp431.133.
Akta perubahan ini telah diterima dan dicatat di This deed of amendment has been received
dalam database sistem Administrasi Badan and recorded in the database of the Legal
Hukum Kementerian Hukum dan Hak Asasi Entity Administration of the Ministry of Law and
Manusia Republik Indonesia sesuai Surat Human Rights of the Republic of Indonesia in
Penerimaan Pemberitahuan Perubahan accordance with the Letter of Acceptance of
Anggaran Dasar Perseroan No.AHU- Notification of Amendment to the Company's
AH.01.03-0933884 tanggal 22 Mei 2015, dan Articles of Association No.AHU-AH.01.03-
telah didaftar dalam Daftar Perseroan No. 0933884 dated May 22, 2015 and has been
AHU-3508023.AH.01.11. Tahun 2015 tanggal registered in the Company Register
22 Mei 2015. No.AHU-3508023.AH.01.11.Tahun 2015 dated
May 22, 2015.
Berdasarkan Akta Pernyataan Keputusan Based on the Deed of Extraordinary General
Rapat Umum Pemegang Saham Luar Biasa Meeting of Shareholders Decision Statement
No. 26 tanggal 26 Februari 2016 dari Notaris No. 26 dated 26 February 2016 of Notary Unita
Unita Christina Winata, S.H., Notaris di Christina Winata, S.H., Notary in Jakarta,
Jakarta, disetujui adanya Penambahan Modal approved the Capital Increase Without Pre-
tanpa Hak Memesan Efek Terlebih Dahulu emptive Rights for a total of 126,582,300 (in
untuk sejumlah 126.582.300 (dalam satuan full units) shares, so that the total issued and
penuh) saham, sehingga jumlah modal paid-up capital is 4,437,912,300 (in full units)
ditempatkan dan disetor penuh sebesar shares with a total nominal value of
4.437.912.300 (dalam satuan penuh) saham Rp431,791.
dengan nilai nominal seluruhnya sebesar
Rp431.791.
Penambahan saham baru Tanpa Hak The addition of new shares without Pre-
Memesan Efek Terlebih Dahulu diterbitkan emptive Rights issued as many as
sebanyak 126.582.300 (dalam satuan penuh) 126,582,300 (in full units) of common stock
saham biasa dengan nilai nominal per saham with par value of Rp100 (full amount) per share
Rp100 (nilai penuh) dan harga penawaran and offering price of Rp790 (full amount) per
sebesar Rp790 (nilai penuh) per saham, yang share, taken entirely by OCBC Securities Pte-
diambil seluruhnya oleh OCBC Securities Pte– Ltd A/C.
Ltd A/C.
101
Page 533
PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Akta perubahan ini telah diterima dan dicatat di This deed of amendment has been received
dalam database sistem Administrasi Badan and recorded in the database of the Legal
Hukum Kementerian Hukum dan Hak Asasi Entity Administration of the Ministry of Law and
Manusia Republik Indonesia sesuai Surat Human Rights of the Republic of Indonesia in
Penerimaan Pemberitahuan Perubahan accordance with the Letter of Acceptance of
Anggaran Dasar Perseroan No. AHU- Notification of Amendment to the Company's
AH.01.03-0029452 tanggal 8 Maret 2016, dan Articles of Association No. AHU-AH.01.03-
telah didaftar dalam Daftar Perseroan 0029452 dated March 8, 2016, and has been
No.AHU-0029718.AH.01.11. Tahun 2016 registered in the Company Register No.AHU-
tanggal 8 Maret 2016. 0029718.AH.01.11.Tahun 2016 dated March
8, 2016.
Berdasarkan Pernyataan Keputusan Rapat , Based on the Deed of Extraordinary General
Umum Pemegang Saham Luar Biasa No. 2 Meeting of Shareholders Decision Statement
tanggal 4 Januari 2022 dari Lily Harjati No. 2 dated January 4 2022 of Lily Harjati
Soedewo, S.H., MKn., Notaris di Jakarta, Soedewo, S.H., MKn., Notary in Jakarta,
disetujui adanya Penambahan Modal tanpa approved the Capital Increase without Pre-
Hak Memesan Efek Terlebih Dahulu untuk emptive Rights for a total of 164,367,122 (in
sejumlah 164.367.122 (dalam satuan penuh) full units) shares, so that the total issued and
saham, sehingga jumlah modal ditempatkan fully paid capital is 4,602,279,422 (in full units)
dan disetor penuh sebesar 4.602.279.422 shares with a total nominal value of
(dalam satuan penuh) saham dengan nilai Rp460,228.
nominal seluruhnya sebesar Rp460.228.
Akta perubahan ini telah diterima dan dicatat This deed of amendment has been received
di dalam database sistem Administrasi Badan and recorded in the database of the Legal
Hukum Kementerian Hukum dan Hak Entity Administration of the Ministry of Law and
Asasi Manusia Republik Indonesia Human Rights of the Republic of Indonesia in
sesuai Surat Penerimaan Pemberitahuan accordance with the Letter of Acceptance of
Perubahan Anggaran Dasar Perseroan Notification of Amendment to the Company's
No. AHU-AH.01.03.0008543 tanggal 6 Januari Articles of Association No. AHU-
2022, dan telah didaftar dalam Daftar AH.01.03.0008543 dated January 6, 2022, and
Perseroan No.AHU-0002587.AH.02.22.Tahun has been registered in the Company Register
2022 tanggal 6 Januari 2022. No.AHU-0002587.AH.02.22.Tahun 2022 dated
January 6, 2022.
Berdasarkan Pernyataan Keputusan Rapat Based on the Deed of Extraordinary General
Umum Pemegang Saham Luar Biasa No. 14 Meeting of Shareholders Decision Statement
tanggal 28 Februari 2023 dari Notaris Lily No. 14 dated February 28, 2023 of Lily Harjati
Harjati Soedewo, S.H., MKn., notaris di Soedewo, S.H., MKn., Notary in Jakarta, have
Jakarta, telah diterbitkan sebanyak been issued with an exercise price of Rp592
680.999.353 saham dengan harga (full value) and a total value of Rp403,152 with
pelaksanaan Rp592 (nilai penuh) dan total nilai a total issued and paid up amount
Rp403.152 dengan jumlah ditempatkan dan of Rp68,100, and premium on stock
disetor penuh sebesar Rp68.100, serta agio of Rp327,442 (after deducting issuance costs
saham sebesar Rp327.442 (setelah dikurangi of Rp7,610).
biaya emisi sebesar Rp7.610).
102
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Perubahan tersebut telah diterima dan dicatat This amendment has been received and
di dalam Sistem Administrasi Badan Hukum recorded in the database of the Legal Entity
Kementerian Hukum dan Hak Asasi Manusia Administration of the Ministry of Law and
Republik Indonesia sesuai Surat Penerimaan Human Rights of the Republic of Indonesia in
Pemberitahuan Perubahan Anggaran Dasar accordance with the Letter of Acceptance of
Perseroan No. AHU-H.01.03-0032538 tanggal Notification of Amendment to the Company's
28 Februari 2023, dan telah didaftar dalam Articles of Association No. AHU-H.01.03-
Daftar Perseroan No. AHU-0041476 Tahun 0032538 dated February 28, 2023, has been
2023 tanggal 28 Februari 2023. registered in the Company Register
No. AHU-0041476 Tahun 2023, dated
February 28, 2023.
Berdasarkan Akta Pernyataan Keputusan Based on the Deed of Extraordinary General
Rapat Umum Pemegang Saham Luar Biasa Meeting of Shareholders Decision Statement
No. 15 tanggal 24 Agustus 2023 dari Notaris No. 15 dated 24 August 2023 of Notary Lily
Lily Harjati Soedewo, S.H., MKn., notaris di Harjati Soedewo, S.H., MKn., notary in
Jakarta, disetujui Penambahan Modal dengan Jakarta, approved Capital Increase with Pre-
Hak Memesan Efek Terlebih Dahulu emptive Rights (PMHMETD) – III Bank, to
(PMHMETD) – III Bank, untuk menerbitkan issue 2,195,165,124 shares with an exercise
saham sebanyak 2.195.165.124 saham price of Rp410 (value full) and a total value
dengan harga pelaksanaan Rp410 (nilai of Rp900,018 with the issued and fully paid
penuh) dan total nilai Rp900.018 dengan amount of Rp219,516 and premium on stock of
jumlah ditempatkan dan disetor penuh sebesar Rp675,659 (after deducting issuance costs of
Rp219.516 dan agio saham sebesar Rp4,843).
Rp675.659 (setelah dikurangi biaya emisi
sebesar Rp4.843).
Perubahan tersebut telah diterima dan dicatat The changes have been accepted and
di dalam Sistem Administrasi Badan Hukum recorded in the Legal Entity Administration
Kementerian Hukum dan Hak Asasi Manusia System of the Ministry of Law and Rights
Republik Indonesia sesuai Surat Penerimaan Human Rights of the Republic of Indonesia
Pemberitahuan Perubahan Anggaran Dasar according to Notification Acceptance Letter
Perseroan No. AHU-AH.01.03-0109004 Changes to the Company's Articles of
tanggal 24 Agustus 2023, dan telah didaftar Association No. Date AHU-AH.01.03-0109004
dalam Daftar Perseroan No. AHU- August 24, 2023, and has registered in the
0165069.AH.01.11. Tahun 2023 tanggal Company Register No. AHU-
24 Agustus 2023. 0165069.AH.01.11. Year 2023 August 24,
2023.
Penambahan saham Bank tersebut telah The addition of the Bank's shares was listed on
dicatatkan pada Bursa Efek Indonesia (BEI) the Indonesia Stock Exchange (IDX) on
pada tanggal 24 Agustus 2023. August 24, 2023.
Sejalan dengan upaya Bank untuk terus In line with the Bank's efforts to continue to
tumbuh dan berkembang dalam jangka grow and develop in the long term, the Bank in
panjang, Bank dalam tahapan awal juga tidak its early stages also does not rule out
menutup peluang untuk melakukan aksi opportunities to carry out other corporate
korporasi lainnya untuk melengkapi Right actions to complete the Right Issue, by
Issue yaitu dengan bersinergi dan/atau synergizing and/or merging with Bank partners
penggabungan dengan mitra Bank guna to build a bank that is strong and has a
membangun satu entitas bank yang tangguh stronger capital structure and able to increase
dan memiliki struktur permodalan yang makin the bank's competitive advantage. The Bank's
kuat serta mampu meningkatkan keunggulan steps certainly lead to an increase in the
kompetitif bank. Langkah-langkah Bank ini Bank's ability to provide quality products and
tentunya berujung pada peningkatan services to the public.
kemampuan Bank dalam menyediakan produk
dan layanan yang berkualitas bagi
masyarakat.
103
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
23. Agio Saham 23. Premium on Stock
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the total
jumlah agio saham adalah sebagai berikut: of premium on stock are as follow:
2023 2022
Rp Rp
Agio saham 2.050.151 1.039.440 Premium on stock
Beban emisi saham (19.186) (11.576) Share issuance costs
Jumlah 2.030.965 1.027.864 Total
Agio saham merupakan kelebihan harga Premium on stock represents the excess of
pelaksanaan di atas nominal dari penerbitan exercise price over par value of the issuance
saham. Per 31 Desember 2023 dan 2022, of shares. As of December 31, 2023 and 2022,
saldo agio saham masing-masing sebesar the balance of premium on stock amounted to
Rp2.050.151 dan Rp1.039.440, dengan rincian Rp2,050,151 and Rp1,039,440 respectively,
sebagai berikut: with the following details:
31 Desember/ December 31, 2023
Jumlah Saham/ Harga Nominal/ Harga Beli/ Agio Saham/
Number of Par Value Buying Price Premium on Stock
Shares Rp Rp Rp
PT Prima Cakrawala Sentosa 868.750.000 86.875 290.481 203.606 PT Prima Cakrawala Sentosa
PT Star Pacific Tbk 621.621.621 62.162 368.000 922.585 PT Star Pacific Tbk
PT Inti Anugerah Pratama 337.332.300 33.733 143.731 109.998 PT Inti Anugerah Pratama
PT Putera Mulia Indonesia 227.621.621 22.762 69.963 105.859 PT Putera Mulia Indonesia
OCBC Securities Pte. Ltd. - Client A/C 985.500.000 98.550 438.245 339.695 OCBC Securities Pte. Ltd. - Client A/C
PT Grahaputra Mandirikharisma 164.266.625 16.427 197.941 181.514 PT Grahaputra Mandirikharisma
Masyarakat 677.930.497 67.793 254.433 186.894 Public
Jumlah 3.883.022.664 388.302 1.762.794 2.050.151 Total
31 Desember/ December 31, 2022
Jumlah Saham/ Harga Nominal/ Harga Beli/ Agio Saham/
Number of Par Value Buying Price Premium on Stock
Shares Rp Rp Rp
PT Prima Cakrawala Sentosa 868,750,000 86,875 290,481 203,606 PT Prima Cakrawala Sentosa
PT Lippo General Insurance Tbk 337,332,300 33,733 143,731 109,998 PT Lippo General Insurance Tbk
PT Putera Mulia Indonesia 168,500,000 16,850 34,963 18,113 PT Putera Mulia Indonesia
OCBC Securities Pte. Ltd. - Client A/C 985,500,000 98,550 438,245 339,695 OCBC Securities Pte. Ltd. - Client A/C
PT Grahaputra Mandirikharisma 164,266,625 16,427 197,491 181,514 PT Grahaputra Mandirikharisma
Masyarakat 677,930,497 67,793 254,297 186,514 Public
Jumlah 3,202,279,422 320,228 1,359,208 1,039,440 Total
24. Dana Setoran Modal 24. Advance Capital
Per 31 Desember 2022, dana setoran modal As of December 31, 2022, the advance capital
sebesar Rp35.000 merupakan uang muka amounted Rp35,000, is an advance payment
setoran modal dari PT Putera Mulia Indonesia for capital from PT Putera Mulia Indonesia as a
sebagai faktor penambah modal inti Bank. factor to increase the Bank's core capital. The
Penempatan dana setoran modal tersebut placement of the advance capital funds was
telah disetujui oleh OJK melalui approval from OJK through letter No. SR-
surat No. SR-139/PB.31/2022 tanggal 139/PB.31/2022 dated December 27, 2022.
27 Desember 2022.
Pada tanggal 28 Februari 2023, Bank telah On February 28 2023, the Bank transferred
memindahkan dana setoran modal yang advance capital recorded in 2022 as additional
dicatatkan pada tanggal 31 Desember 2022 fully paid-in and issued capital recorded on
sebagai tambahan modal disetor dan December 31, 2022 as additional fully paid-up
ditempatkan penuh dengan total setoran modal and issued capital with a total paid-up and fully
disetor dan ditempatkan penuh sebesar issued capital of Rp68,100 and share premium
Rp68.100 dan agio saham sebesar Rp327.442 of Rp327,442 (Note 22).
(Catatan 22).
104
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
25. Penggunaan Laba Bersih 25. Appropriation of Net Income
Penggunaan Laba Bersih Tahun 2022 Appropriation of Net Income for 2022
Berdasarkan Rapat Umum Pemegang Saham The Annual General Meeting of Shareholders
Tahunan (RUPST) pada tanggal 15 Juni 2023, dated June 15, 2023, approved the entire net
disetujui seluruh laba bersih untuk tahun buku income for the fiscal year 2022 amounting to
2022 sebesar Rp103.845, disisihkan sebesar Rp103,845, has allocated amounting to
Rp5.000 sebagai dana cadangan dan sisanya Rp5,000 as reserve fund, and the remaining
dicatat sebagai saldo laba ditahan. was recorded as retained earnings.
Penggunaan Laba Bersih Tahun 2021 Appropriation of Net Income for 2021
Berdasarkan Rapat Umum Pemegang Saham The Annual General Meeting of Shareholders
Tahunan (RUPST) pada tanggal 14 Juli 2022, dated July 14, 2022, approved the entire net
disetujui seluruh laba bersih untuk tahun buku income for the fiscal year 2021 amounting to
2021 sebesar Rp64.186, disisihkan sebesar Rp64,186, has allocated amounting to Rp5,000
Rp5.000 sebagai dana cadangan dan sisanya as reserve fund, and the remaining was
dicatat sebagai saldo laba ditahan. recorded as retained earnings.
Cadangan Umum General Reserves
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022 general
cadangan umum masing-masing sebesar reserves amounted to Rp22,000 and Rp17,000,
Rp22.000 dan Rp17.000. respectively.
Cadangan umum ini dibentuk sehubungan General reserves are formed in relation to the
dengan Undang-undang Republik Indonesia Law of the Republic of Indonesia No. 1/1995
No. 1/1995 yang telah digantikan dengan which has been replaced by Law No. 40/2007
Undang-undang No. 40/2007 efektif tanggal effective dated August 16, 2007 regarding
16 Agustus 2007 mengenai Perseroan Limited Liability Company, which requires
Terbatas, yang mengharuskan perusahaan- companies to make provision for general
perusahaan untuk membuat penyisihan reserve of at least 20% of the total issued and
cadangan umum sebesar sekurang-kurangnya fully paid. The law does not regulate time limit
20% dari jumlah modal yang ditempatkan dan for the allowance.
disetor penuh. Undang-undang tidak mengatur
jangka waktu untuk penyisihan tersebut.
26. Pendapatan Bunga 26. Interest Income
2023 2022
Rp Rp
Rupiah Rupiah
Kredit yang diberikan 1,142,703 923,288 Loans
Tagihan atas Receivable from marketable
efek yang dibeli Securities purchased under
dengan janji dijual kembali 174,336 112,212 resale agreement
Efek-efek 109,720 84,914 Marketable securities
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 34,988 26,326 and other banks
Giro pada Bank Indonesia Current account with Bank
dan bank lain 9,456 6,377 Indonesia and other banks
Mata uang asing Foreign currency
Kredit yang diberikan 10,535 -- Loans
Efek-efek 422 -- Marketable securities
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 17,019 7,159 and other banks
Giro pada Bank Indonesia Current account with Bank
dan bank lain -- 1,255 Indonesia and other banks
Jumlah 1,499,179 1,161,531 Total
105
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Pendapatan bunga yang diterima dari pihak- Interest income earned from related parties for
pihak berelasi untuk tahun-tahun yang berakhir the years ended December 31, 2023 and
pada tanggal 31 Desember 2023 dan 2022, 2022, amounted to Rp13,213 and Rp10,959 or
masing-masing sebesar Rp13.213 dan reflect 0.88%, and 0.94% of the total interest
Rp10.959 atau sebesar 0,88% dan 0,94% dari income, respectively (Note 35).
seluruh pendapatan bunga (Catatan 35).
27. Beban Bunga 27. Interest Expense
2023 2022
Rp Rp
Rupiah Rupiah
Simpanan nasabah Deposits from customers
Deposito berjangka 482,799 366,742 Time deposits
Giro 71,893 50,233 Current accounts
Tabungan 18,147 14,243 Savings accounts
Simpanan dari bank lain Deposits from other banks
Call money 33,251 14,923 Call money
Giro 4,672 800 Current accounts
Deposito berjangka 969 853 Time deposits
Liabilitas atas Liabilities from marketable
efek yang dijual securities sold under
dengan janji dibeli kembali 114,977 37,089 repurchase agreement
Mata uang asing Foreign currency
Simpanan nasabah Deposits from customers
Deposito berjangka 27,368 5,753 Time deposits
Giro 3,650 1,201 Current accounts
Tabungan 129 95 Savings accounts
Simpanan dari bank lain Deposits from other banks
Call money 5,534 10,508 Call money
Jumlah 763,389 502,440 Total
Beban bunga yang dibayarkan kepada pihak- Interest expenses paid to the related parties
pihak berelasi untuk tahun-tahun yang berakhir for years ended December 31, 2023 and 2022,
pada 31 Desember 2023 dan 2022, masing- amounted to Rp78,725 and Rp60,459 or
masing sebesar Rp78.725 dan Rp60.459 reflect 10.31% and 12.03% of the total interest
atau sebesar 10,31% dan 12,03%, dari seluruh expense, respectively (Note 35).
beban bunga (Catatan 35).
28. Pendapatan Operasional Lainnya - Lain-lain 28. Other Operating Income – Others
2023 2022
Rp Rp
Pendapatan cash management 15,725 10,997 Cash management income
Pendapatan selisih kurs 383 303 Foreign exchange income
Lain-lain 10,033 7,660 Others
Jumlah 26,141 18,960 Total
106
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
29. Pembentukan (Pemulihan) Cadangan 29. Provision on (Recovery of) Allowance
Kerugian Penurunan Nilai for Impairment Losses
2023 2022
Rp Rp
Pembentukan Cadangan Provision on Allowance of
Kerugian Penurunan Nilai Impairment Losses
Kredit yang diberikan (Catatan 10) 51,660 44,320 Loans (Note 10)
Agunan yang diambil alih Foreclosed Assets
(Catatan 13) 3,858 150 (Note 13)
Efek-efek (Catatan 8) 925 -- Marketable Securities (Note 8)
Fasilitas kredit kepada nasabah ~ Unused loans
yang belum ditarik (Catatan 21) 81 22 facilities granted (Note 21)
Bank garansi (Catatan 21) 18 32 Bank guarantee (Note 21)
56,542 44,524
Pemulihan Cadangan Recovery on Allowance for
Kerugian Penurunan Nilai Impairment Losses
Kredit yang diberikan (Catatan 10) (12,372) (14,975) Loans (Note 10)
Agunan yang diambil alih Foreclosed Assets
(Catatan 13) (566) (1,525) (Note 13)
Fasilitas kredit kepada nasabah Unused loans
yang belum ditarik (Catatan 21) (516) (1,870) facilities granted (Note 21)
Bank garansi (Catatan 21) (92) (464) Bank guarantee (Note 21)
Giro dan penempatan Current account and placement
pada bank lain (Catatan 6,7) (12) (171) with other banks (Notes 6,7)
Efek-efek (Catatan 8) -- (22) Marketable Securities (Notes 8)
(13,558) (19,027)
Jumlah - Neto 42,984 25,497 Total - Net
30. Beban Umum dan Administrasi 30. General and Administrative Expenses
2023 2022
Rp Rp
Barang dan jasa 132,095 110,872 Goods and services
Asuransi 41,201 37,475 Insurances
Beban penyusutan Depreciation expenses on
aset tetap (Catatan 11) 37,295 23,701 fixed assets (Note 11)
Jasa pihak ketiga 43,275 25,127 Third parties service
Beban penyusutan Depreciation expenses on
aset hak guna (Catatan 11) 16,514 17,788 right of-used assets (Note 11)
Amortisasi aset Amortization of
takberwujud (Catatan 12) 13,894 11,558 intangible assets (Note 12)
Iuran OJK 12,486 12,486 OJK contributions
Pemeliharaan dan perbaikan 11,735 11,222 Maintenance and repairment
Sewa kantor 10,609 12,271 Offices rental
Perjalanan dinas 6,716 5,056 Business travel
Pajak 1,990 1,160 Taxes
Iklan dan promosi 2,550 2,313 Advertising and promotion
Keanggotaan 1,617 1,231 Membership
Lain-lain (dibawah Rp 500 juta) 2,508 3,399 Others (below Rp 500 million)
Jumlah 334,485 275,659 Total
107
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
31. Beban Tenaga Kerja 31. Personnel Expenses
2023 2022
Rp Rp
Gaji pokok 244,697 220,653 Basic salaries
Tunjangan hari raya dan bonus 37,730 33,262 Holiday allowances and bonus
Iuran Jamsostek 16,391 14,611 Jamsostek contributions
Imbalan kerja (Catatan 34) 13,001 6,800 Employee benefit (Note 34)
Pendidikan dan pelatihan 8,900 6,691 Education and training
Honorarium komisaris 3,395 3,241 Commissioners honorarium
Lain-lain 9,033 10,490 Others
Jumlah 333,147 295,748 Total
32. Pendapatan (Beban) Non Operasional 32. Non Operating (Expenses) Income
2023 2022
Rp Rp
Keuntungan penjualan Gain on sale of
aset tetap (Catatan 11) 14 2 fixed assets (Notes 11)
(Kerugian)/keuntungan penjualan (Loss)/gain on sale of
agunan yang diambil alih (Catatan 13) 23 (1,295) foreclosed assets (Notes 13)
Sumbangan (228) (181) Donation
Lain-lain - neto 5,303 1,244 Others - net
Jumlah 5,112 (230) Total
33. Laba Bersih per Saham Dasar 33. Basic Earnings per Share
Laba bersih per saham dasar dihitung dengan Basic earnings per share are computed by
membagi laba bersih dengan rata-rata dividing net income by the weighted average
tertimbang jumlah saham yang beredar pada number of shares outstanding during the
periode yang bersangkutan. period.
2023 2022
Rp Rp
Laba untuk perhitungan laba Income for the calculation basic
bersih per saham dasar: 141,536 103,845 earnings per share
Jumlah 141,536 103,845 Total
2023 2022
Rp Rp
Jumlah rata-rata tertimbang Total weighted average common
saham biasa untuk perhitungan shares for the calculation
laba bersih per saham dasar basic earnings per share
(dalam satuan penuh) 6,141,180,964 4,602,279,422 (in full units)
Laba Bersih per Saham Dasar Basic Earnings per Share
(dalam
laba rupiah
bersih perpenuh)
saham dasar 23.05 22.56 (in full rupiah)
108
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
34. Imbalan Pasca Kerja 34. Post Employment Benefits Liabilities
Pada tanggal 31 Desember 2023 dan 2022, In December 31, 2023 and 2022, the Bank
Bank menghitung dan membukukan beban calculates and records the employee benefits
imbalan kerja berdasarkan Undang-Undang expense in accordance with the Law No. 6
No. 6 Tahun 2023 tanggal 31 Maret 2023. Year 2023 dated March 31, 2023.
Bank melakukan pendanaan terhadap The Bank conducts its funding post
program imbalan pasca kerja yang dikelola employment benefit program managed by
oleh Dana Pensiun Lembaga Keuangan AIA Dana Pensiun Lembaga Keuangan AIA
Financial dan Dana Pensiun Lembaga Financial and Dana Pensiun Lembaga
Keuangan Manulife Financial. Pada tanggal Keuangan Manulife Financial. As of
31 Desember 2023 dan 2022, Bank telah December 31, 2023, and 2022, the Bank
menempatkan dana masing-masing sebesar placed the funding of Rp42,001 and Rp45,021,
Rp42.001 dan Rp45.021. respectively.
Per tanggal 31 Desember 2023, liabilitas atas As of December 31, 2023, liabilities for
imbalan kerja dicatat berdasarkan perhitungan employment benefits are recorded based on
aktuaria yang dilakukan oleh Kantor Konsultan actuarial conducted by Kantor Konsultan
Aktuaria (KKA) Indra Catarya Situmeang dan Aktuaria (KKA) Indra Catarya Situmeang dan
Rekan dengan nomor laporan Rekan an independent actuary, with the report
No. 078/LA-IK/KKAICS/II-2024 tanggal No. 078/LA-IK/KKAICS/II-2024 dated February
27 Februari 2024 dan per tanggal 29, 2024 and as of December 31, 2022,
31 Desember 2022, liabilitas atas imbalan liabilities for post employment benefits are
pasca kerja dicatat berdasarkan perhitungan recorded based on actuarial conducted by
aktuaria yang dilakukan oleh Kantor Konsultan Kantor Konsultan Aktuaria (KKA) Indra Catarya
Aktuaria (KKA) Indra Catarya Situmeang dan Situmeang dan Rekan an independent actuary,
Rekan dengan nomor laporan with the report No. 070/LA-IK/KKAICS/I-2023
No. 070/LA-IK/KKAICS/I-2023 tanggal dated January 11, 2023.
11 Januari 2023.
Jumlah liabilitas imbalan kerja berdasarkan Total employee benefits liability balance
perhitungan Aktuaris Independen pada tanggal based on the Independent Actuary’s
31 Desember 2023 dan 2022 adalah sebagai calculation as of December 31, 2023 and 2022
berikut: is as follows:
31 Desember/ December 31, 2023
Program Imbalan Program Cuti Total
Pasca-kerja/ Besar/
Post-employment Long Service
Benefit Program Leave
Rp Rp Rp
Nilai Kini Present Value of Employee
Liabilitas Imbalan Kerja 57,943 6,190 64,133 Benefit Obligation
Nilai Wajar Aset Program (42,001) -- (42,001) Fair Value of Plan Asset
Defisit 15,942 6,190 22,132 Deficit
Liabilitas yang Diakui di Liability Recognized in the
Laporan Posisi Keuangan 15,942 6,190 22,132 Statement of Financial Position
31 Desember/ December 31, 2022
Program Imbalan Program Cuti Total
Pasca-kerja/ Besar/
Post-employment Long Service
Benefit Program Leave
Rp Rp Rp
Nilai Kini Present Value of Employee
Liabilitas Imbalan Kerja 49,018 5,122 54,140 Benefit Obligation
Nilai Wajar Aset Program (45,021) -- (45,021) Fair Value of Plan Asset
Defisit 3,997 5,122 9,119 Deficit
Liabilitas yang Diakui di Liability Recognized in the
Laporan Posisi Keuangan 3,997 5,122 9,119 Statement of Financial Position
109
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Nilai kini liabilitas atas imbalan kerja pada Present value for employee benefits liability
tanggal 31 Desember 2023 dan 2022 adalah as of December 31, 2023 and 2022 is as
sebagai berikut: follows:
31 Desember/ December 31, 2023
Program Imbalan Program Cuti Total
Pasca-kerja/ Besar/
Post-employment Long Service
Benefit Program Leave
Rp Rp Rp
Nilai Kini Beginning Balance Present Value
Kewajiban Awal 49,018 5,122 54,140 of Obligation
Biaya Jasa Kini 11,166 1,210 12,376 Current Service Cost
Biaya Bunga 3,505 366 3,871 Interest Cost
Pembayaran Manfaat (8,096) (481) (8,577) Benefits Paid
Laba (Rugi) Aktuaria Gains (Losses) Actuarial
pada Kewajiban 2,350 (27) 2,323 on Liabilities
Nilai Kini Present Value of
Kewajiban Akhir 57,943 6,190 64,133 Obligation at ending
31 Desember/ December 31, 2022
Program Imbalan Program Cuti Total
Pasca-kerja/ Besar/
Post-employment Long Service
Benefit Program Leave
Rp Rp Rp
Nilai Kini Beginning Balance Present Value
Kewajiban Awal 62,002 -- 62,002 of Obligation
Biaya Jasa Kini 9,399 5,122 14,521 Current Service Cost
Biaya Bunga 4,191 -- 4,191 Interest Cost
Dampak Penerapan IFRIC (9,657) -- (9,657) Effect on IFRIC Implementation
Pembayaran Manfaat (13,106) -- (13,106) Benefits Paid
Laba (Rugi) Aktuaria Gains (Losses) Actuarial
pada Kewajiban (3,811) -- (3,811) on Liabilities
Nilai Kini Present Value of
Kewajiban Akhir 49,018 5,122 54,140 Obligation at ending
Nilai wajar aset program imbalan kerja pada Fair value of plan assets for employee benefits
tanggal 31 Desember 2023 dan 2022 adalah as of December 31, 2023 and 2022 is as
sebagai berikut: follows:
31 Desember/ December 31, 2023
Program Imbalan Program Cuti Total
Pasca-kerja/ Besar/
Post-employment Long Service
Benefit Program Leave
Rp Rp Rp
Nilai Wajar Fair Value of Beginning
Aset Program Awal 45,021 -- 45,021 Plan Assets
Imbal Hasil Aset Program 3,219 -- 3,219 Return on Asset Plan
Iuran Pemberi Kerja 1,678 -- 1,678 Contribution From Employer
Pembayaran Manfaat (7,832) -- (7,832) Benefits Paid
Laba (Rugi) -- -- Gains (Losses)
Aktuaria pada Aset (85) -- (85) Actuarial on Assets
Nilai Wajar Fair Value of Ending
Aset Program Akhir 42,001 -- 42,001 Plan Assets
110
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
31 Desember/ December 31, 2022
Program Imbalan Program Cuti Total
Pasca-kerja/ Besar/
Post-employment Long Service
Benefit Program Leave
Rp Rp Rp
Nilai Wajar Fair Value of Beginning
Aset Program Awal 33,358 -- 33,358 Plan Assets
Imbal Hasil Aset Program 2,255 -- 2,255 Return on Asset Plan
Iuran Pemberi Kerja 23,000 -- 23,000 Contribution From Employer
Pembayaran Manfaat (12,774) -- (12,774) Benefits Paid
Laba (Rugi) Gains (Losses)
Aktuaria pada Aset (818) -- (818) Actuarial on Assets
Nilai Wajar Fair Value of Ending
Aset Program Akhir 45,021 -- 45,021 Plan Assets
Perubahan pada liabilitas yang diakui sesuai The changes of liability that is recognized in
perhitungan Aktuaria Independen: accordance with the Independent Actuary’s
calculation:
31 Desember/ December 31, 2023
Program Imbalan Program Cuti Total
Pasca-kerja/ Besar/
Post-employment Long Service
Benefit Program Leave
Rp Rp Rp
Saldo Awal 3,997 5,122 9,119 Beginning Balance
Beban Imbalan Kerja pada Expense Recognized
Periode Berjalan 11,452 1,549 13,001 during the Period
Jumlah yang Diakui Amount Recognized
Melalui OCI 2,434 -- 2,434 Through OCI
Pembayaran Manfaat Pada Benefits Paid
Periode Berjalan (264) -- (264) during the Period
Pembayaran Iuran pada Contribution Payments
Periode Berjalan (1,677) (481) (2,158) during the Period
Saldo Akhir 15,942 6,190 22,132 Ending Balance
31 Desember/ December 31, 2022
Program Imbalan Program Cuti Total
Pasca-kerja/ Besar/
Post-employment Long Service
Benefit Program Leave
Rp Rp Rp
Saldo Awal 28,644 -- 28,644 Beginning Balance
Beban Imbalan Kerja pada Expense Recognized
Tahun Berjalan 1,678 5,122 6,800 during the Year
Pembayaran Iuran pada Contribution Payments
Tahun Berjalan (23,000) -- (23,000) during the Year
Jumlah yang Diakui Amount Recognized
Melalui OCI (2,992) -- (2,992) Through OCI
Pembayaran Manfaat Pada Benefits Paid
Tahun Berjalan (333) -- (333) during the Year
Saldo Akhir 3,997 5,122 9,119 Ending Balance
111
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Beban imbalan kerja untuk periode tahun- The employee benefits expenses for the years
tahun yang berakhir pada 31 Desember 2023 ended December 31, 2023 and 2022 is as
dan 2022 adalah sebagai berikut: follows:
31 Desember/ December 31, 2023
Program Imbalan Program Cuti Total
Pasca-kerja/ Besar/
Post-employment Long Service
Benefit Program Leave
Rp Rp Rp
Biaya Jasa Kini 11,166 1,210 12,376 Current Service Cost
Biaya Bunga 3,505 366 3,871 Interest Cost
Pengukuran Kembali Imbalan Remeasurement of
Jangka Panjang Lainnya -- (27) (27) Other Long Term Benefit
Imbal Hasil Aset Program (3,219) -- (3,219) Return on Asset Plan
Jumlah Beban Imbalan Kerja 11,452 1,549 13,001 Total Employee Benefits Expense
31 Desember/ December 31, 2022
Program Imbalan Program Cuti Total
Pasca-kerja/ Besar/
Post-employment Long Service
Benefit Program Leave
Rp Rp Rp
Biaya Jasa Kini 9,399 5,122 14,521 Current Service Cost
Biaya Bunga 4,191 -- 4,191 Interest Cost
Imbal Hasil Aset Program (2,255) -- (2,255) Return on Asset Plan
Dampak Penerapan IFRIC (9,657) -- (9,657) Effect on IFRIC Implementation
Jumlah Beban Imbalan Kerja 1,678 5,122 6,800 Total Employee Benefits Expense
Komponen biaya imbalan kerja yang diakui di Component of employee benefit recognized in
penghasilan komprehensif lainnya adalah other comprehensive income are as follows:
sebagai berikut:
Tahun yang Berakhir pada Tanggal 31 Desember 2023/
Year Ended December 31, 2023
Program Imbalan Program Cuti Total
Pasca-kerja/ Besar/
Post -employment Long Service
Benefit Program Leave
Rp Rp Rp
Perubahan Changes in Financial
Asumsi Keuangan 2,043 -- 2,043 Assumptions
Penyesuaian Pengalaman 306 -- 306 Experience Adjustment
Keuntungan Aset Program 85 -- 85 Gains of Plan Asset
Beban Periode Berjalan Expenses for the Current Period
diakui Sebagai Penghasilan Recognized in Other
Komprehensif Lain 2,434 -- 2,434 Comprehensive Income
Tahun yang Berakhir pada Tanggal 31 Desember 2022/
Year Ended December 31, 2022
Program Imbalan Program Cuti Total
Pasca-kerja/ Besar/
Post-employment Long Service
Benefit Program Leave
Rp Rp Rp
Penilaian Kembali Liabilitas Obligation Remeasurement
Perubahan Changes in Financial
Asumsi Keuangan (2,761) -- (2,761) Assumptions
Penyesuaian Pengalaman (1,049) -- (1,049) Experience Adjustment
Keuntungan Aset Program 818 -- 818 Gains of Plan Asset
Beban Tahun Berjalan Expenses for the Current Year
diakui Sebagai Penghasilan Recognized in Other
Komprehensif Lain (2,992) -- (2,992) Comprehensive Income
112
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Asumsi utama yang digunakan dalam The key assumptions used by the Independent
menentukan biaya imbalan pasca kerja oleh Actuary for the calculation of post employee
Aktuaria Independen adalah sebagai berikut: benefits expense are as follows:
31 Desember/December 2023 31 Desember/December 2022
Usia Pensiun Normal 57 Tahun/Years 57 Tahun/Years Normal Pension Age
Tingkat Diskonto 6,66% 7.15% Discount Rate
Tingkat Proyeksi Kenaikan Gaji 5,00% 5,00% Salary Increase Rate
Tingkat Mortalita Tabel Mortalita - TMI 2019/ Tabel Mortalita - TMI 2019/ Mortality Rate
Table of Mortality - TMI 2019 Table of Mortality - TMI 2019
Tingkat Cacat Tetap 1% dari Tingkat Mortalita/ 1% dari Tingkat Mortalita/ Disability Rate
1% of the Mortality Rate 1% of the Mortality Rate
Tingkat Pengunduran Diri 1% di Usia 20 Tahun dan 1% di Usia 20 Tahun dan Resignation Rate
Menurun Linear Menurun Linear
1% at Age 20 Years and 1% at Age 20 Years and
Linear Declined Linear Declined
Metode Projected Unit Credit Projected Unit Credit Method
Program imbalan pasti memberikan eksposur The defined benefit pension plan typically
Bank terhadap risiko aktuarial seperti risiko provides exposure for the Bank to actuarial
investasi, tingkat suku bunga, dan risiko gaji. risks such as investment risk, interest rate risk,
and salary risk.
Risiko Investasi Investment Risk
Nilai kini liabilitas imbalan pasti pensiun The present value of the defined benefit health
kesehatan dihitung menggunakan tingkat care plan liability is calculated using a discount
diskonto yang ditetapkan dengan mengacu rate determined by reference to high quality
pada imbal hasil obligasi korporasi berkualitas corporate bond yields; if the return on plan
tinggi; jika pengembalian aset program di asset is below this rate, it will create a plan
bawah tingkat tersebut, hal itu akan deficit. Currently, the plan has relatively
mengakibatkan defisit program. Saat ini, balanced investment in mutual fund and equity
program tersebut memiliki investasi yang relatif securities, and debt instruments, and others.
seimbang pada efek reksadana dan saham,
instrumen utang, dan lainnya.
Karena sifat jangka panjang dari liabilitas Due to the long-term nature of the plan
program, dewan dana pensiun perlu liabilities, the board of the pension fund
menetapkan bahwa bagian wajar dari aset considers it appropriate that a reasonable
program harus diinvestasikan pada efek reksa portion of the plan assets should be invested
dana dan saham dan obligasi untuk portion of the plan and equity securities and in
meningkatkan imbal hasil yang dihasilkan oleh debt instruments to leverage the return
dana. generated by the fund.
Risiko Tingkat Suku Bunga Interest Rate Risk
Penurunan suku bunga obligasi akan A decrease in the bond interest rate will
meningkatkan liabilitas program; namun, increase the plan liability; however, this will be
sebagian akan di offset (saling hapus) oleh partially offset by an increase in the return on
peningkatan imbal hasil atas investasi the plan’s debt investments.
instrumen utang.
Risiko Gaji Salary Risk
Nilai kini liabilitas imbalan pasti dihitung The present value of the defined benefit plan
dengan mengacu pada gaji masa depan liability is calculated by reference to the future
peserta program. Dengan demikian, kenaikan salaries of plan participants. As such, an
gaji peserta program akan meningkatkan increase in the salary of the plan participants
liabilitas program itu. will increase the plan’s liability.
113
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Sensitivitas dari liabilitas manfaat pasti The sensitivity of defined benefit obligation to
terhadap perubahan asumsi aktuaria adalah changes in the weighted assumptions are as
sebagai berikut: follows:
Dampak Terhadap Liabilitas Manfaat Pasti/
Impact on Defined Benefit Obligation
31 Desember/December 2023 31 Desember/December 2022
Perubahan Asumsi/ Nilai Kini Biaya Nilai Kini Biaya
Change in Assumption Liabilitas Jasa Kini/ Liabilitas Jasa Kini/
Manfaat Pasti/ Current Manfaat Pasti/ Current
Present value of Service Present value of Service
Benefit obligation Cost Benefit obligation Cost
Rp Rp Rp Rp
Tingkat Diskonto/ Kenaikan/Increase 1% 52,722 5,803 44,900 6,081
Discount Rate Penurunan/Decrease 1% 63,916 6,627 53,715 7,274
Tingkat Kenaikan Gaji/ Kenaikan/Increase 1% 64,223 6,662 54,012 7,315
Salary Increase Rate Penurunan/Decrease 1% 52,376 5,766 44,578 6,037
Analisis jatuh tempo yang diharapkan dari Expected maturity analysis of undiscounted
manfaat pensiun adalah sebagai berikut: pension benefit is as follows:
31 Desember/December 31, 2023
Kurang dari Lebih dari Lebih dari Lebih dari Lebih dari Jumlah/
atau sampai 1 - 2 Tahun/ 2 - 5 Tahun/ 5 - 10 Tahun/ 10 tahun/ Total
dengan 1 Tahun/ More than More than More than More than
Less than or 1 - 2 Years 2 - 5 Years 5 - 10 Years 10 years
up to 1 Year
Rp Rp Rp Rp Rp Rp
Arus Kas Masa Depan/
Discounted Future Cash Flows -- -- 12,169 31,815 76,273 120,257
Nilai Kini Aktuaria Imbalan Pasti/
Present Value of Funded
Defined Benefit Obligation -- -- 9,687 19,578 28,678 57,943
31 Desember/December 31, 2022
Kurang dari Lebih dari Lebih dari Lebih dari Lebih dari Jumlah/
atau sampai 1 - 2 Tahun/ 2 - 5 Tahun/ 5 - 10 Tahun/ 10 tahun/ Total
dengan 1 Tahun/ More than More than More than More than
Less than or 1 - 2 Years 2 - 5 Years 5 - 10 Years 10 years
up to 1 Year
Rp Rp Rp Rp Rp Rp
Arus Kas Masa Depan/
Discounted Future Cash Flows -- -- 13,514 23,277 66,701 103,492
Nilai Kini Aktuaria Imbalan Pasti/
Present Value of Funded
Defined Benefit Obligation -- -- 10,974 14,144 23,899 49,017
35. Sifat dan Saldo Transaksi dengan Pihak 35. Nature and Balance With Related Parties
Berelasi Transactions
Sifat Hubungan Berelasi Nature of Related Parties
Pihak-pihak berelasi adalah perusahaan dan Related parties are companies and individuals
perorangan yang mempunyai keterkaitan who directly or indirectly have relationship with
kepemilikan atau kepengurusan secara the Bank through ownership or management.
langsung maupun tidak langsung kepada
Bank.
114
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Pihak Berelasi/ Sifat Hubungan Berelasi/ Transaksi/
Related Parties Nature of Related Parties Transactions
James Tjahaja Riady Pemegang Saham/ Tabungan, Giro, Deposito Berjangka/
Shareholder Savings, Current Account, Time Deposit
Mochtar Riady Keluarga Pemegang Saham/ Giro, Deposito Berjangka/
Family of Shareholder Current Account, Time Deposit
PT Almaron Perkasa Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Aryaduta International Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Aryaduta Karawaci Management Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Banten Sinar Dunia Televisi Dibawah Pengendalian Bersama/ Giro, Deposito Berjangka/
Under Common Control Current Account, Time Deposit
Bridgewater International LTD Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Ciptadana Asset Management Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Ciptadana Investa Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Ciptadana Multifinance Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Ciptadana Capital Pemegang Saham/ Giro/
Shareholder Current Account
PT Ciptadana Sekuritas Asia Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
Conery Asia Limited Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
First Media Televisi Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Firstmedia Tbk Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Globalindo Utama Permai Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Globe Asia Indonesia Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Golden Pradamas Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Inti Anugerah Pratama Pemegang Saham/ Giro, Deposito Berjangka, Kredit Yang Diberikan/
Shareholder Current Account, Time Deposit, Loan
PT Jakarta Globe Media Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Kharisma Buana Nusantara Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Lenox Pasifik Investama Tbk Dibawah Pengendalian Bersama/ Giro, Deposito Berjangka/
Under Common Control Current Account, Time Deposit
PT Link Net Dibawah Pengendalian Bersama/ Giro, Deposito Berjangka/
Under Common Control Current Account, Time Deposit
PT Lippo Cikarang Tbk Dibawah Pengendalian Bersama/ Giro, Deposito Berjangka/
Under Common Control Current Account, Time Deposit
PT Lippo General Insurance Tbk Dibawah Pengendalian Bersama/ Giro, Deposito Berjangka/
Under Common Control Current Account, Time Deposit
PT Lippo Karawaci Tbk Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Lippo Life Assurance Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Lippo Malls Indonesia Dibawah Pengendalian Bersama/ Deposito Berjangka/
Under Common Control Time Deposit
PT Lippo Securities Tbk Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT LK Reit Management Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Matahari Department Store Tbk Pemegang Saham/ Giro/
Shareholder Current Account
PT Mahkota Sentosa Utama Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
115
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Pihak Berelasi/ Sifat Hubungan Berelasi/ Transaksi/
Related Parties Nature of Related Parties Transactions
Majestic Capital Limited Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Mandiri Cipta Gemilang Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Matahari Putra Prima Tbk Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Maxx Food Pasifik Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
Koran Media Investor Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
Media Investor Indonesia Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Medika Sarana Traliansia Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Mega Dinamika Utama Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Mega Prima Kreasi Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Mulia Bangun Semesta Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Multisentosa Dinamika Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Multipolar Tbk Pemegang Saham/ Giro/
Shareholder Current Account
PT Multipolar Technology Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
OVO Finance Indonesia Dibawah Pengendalian Bersama/ Deposito Berjangka/
Under Common Control Time Deposit
PT Prima Cakrawala Sentosa Pemegang Saham/ Giro/
Shareholder Current Account
PT Primatama Nusa Indah Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
Primero Enterprise Ltd Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PSHB FH UPH Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Putera Mulia Indonesia Pemegang Saham/ Giro/
Shareholder Current Account
PT Rumah Sakit Siloam Hospital Sumsel Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Sandiego Hills Memorial Park Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
Sekolah Pelita Harapan International JKT Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Sentra Tata Prima Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
Sierra Incorporated Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Siloam Graha Utama Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Siloam International Hospitals Tbk Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Siloam Medika Cemerlang Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
Siloam Sumsel Kemitraan Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Sky Parking Nusantara Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Sky Parking Utama Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
Soebroto Djojonegoro Keluarga Pemegang Saham/ Giro/
Family of Shareholder Current Account
PT Star Pasifik Tbk Pemegang Saham/ Giro, Deposito Berjangka/
Shareholder Current Account, Time Deposit
Stephanie Riady Keluarga Pemegang Saham/ Tabungan/
Family of Shareholder Savings
116
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Pihak Berelasi/ Sifat Hubungan Berelasi/ Transaksi/
Related Parties Nature of Related Parties Transactions
PT Tata Mandiri Daerah Lippo Karawaci Dibawah Pengendalian Bersama/ Giro, Deposito Berjangka/
Under Common Control Current Account, Time Deposit
PT Trisaka Reksa Waluya Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Villa Permata Cibodas Dibawah Pengendalian Bersama/ Giro, Deposito Berjangka/
Under Common Control Current Account, Time Deposit
PT Visionet Data International Dibawah Pengendalian Bersama/ Giro, Deposito Berjangka/
Under Common Control Current Account, Time Deposit
PT Visionet International Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
PT Visionet Teknologi Indonesia Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
Yayasan Pendidikan Pelita Harapan Tangerang Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
Yayasan Lembaga Mochtar Riady Dibawah Pengendalian Bersama/ Giro, Deposito Berjangka/
Under Common Control Current Account, Time Deposit
Yayasan Universitas Pelita Harapan Dibawah Pengendalian Bersama/ Giro/
Under Common Control Current Account
Dewan Komisaris, Direksi, dan Pejabat Manajemen Bank/ Tabungan, Giro, Deposito Berjangka/
Eksekutif Bank/ Board of Commissioners, Bank's Management Savings, Current Account, Time Deposit
Directors, and Executive Bank Officers
Transaksi dan Saldo dengan Pihak-pihak Related Parties Transactions and Balances
Berelasi
Dalam kegiatan usahanya, Bank melakukan In course of business, the Bank has
transaksi dengan pihak-pihak berelasi. transactions with related parties. These
Transaksi-transaksi tersebut dilaksanakan transactions are conducted in a normal terms
dengan persyaratan dan kondisi yang normal and conditions as well as transactions with the
dilakukan dengan pihak ketiga. Transaksi- third parties. These transactions are as
transaksi tersebut adalah sebagai berikut: follows:
31 Desember/December 31, 31 Desember/December 31,
2023 2022
Rupiah/ Valuta Asing/ Rupiah/ Valuta Asing/
Rupiah Foreign Currency Rupiah Foreign Currency
Rp Rp Rp Rp
Aset Asset
Kredit yang diberikan (Catatan 10) Loans (Note 10)
Pihak Dibawah Pengendalian Parties under
Bersama 297,241 -- 133,227 -- Common Control
Jumlah 297,241 -- 133,227 -- Total
Persentase dari Total Aset 1.12% -- 0.61% -- Percentage from Total Asset
Liabilitas Liabilities
Simpanan Nasabah (Catatan 16) Deposits from Customers (Note 16)
Giro Current Accounts
Pihak Dibawah Pengendalian Parties under
Bersama 1,272,262 43,111 1,722,151 15,456 Common Control
Pemegang Saham 249,664 2 226,737 399 Shareholders
Keluarga Pemegang Saham -- -- 1,135 -- Family of Shareholders
1,521,926 43,113 1,950,023 15,855
Tabungan Saving Deposits
Pemegang Saham 116 -- 106 -- Shareholders
Keluarga Pemegang Saham 6,752 540 6,993 315 Family of Shareholders
Dewan Komisaris, Direksi dan Directors and Executive
Pejabat Eksekutif Bank 39,681 781 5,868 991 Employee of the Bank
Keluarga Direksi dan Family of the Bank's Director
Pejabat Eksekutif Bank 9 -- 5 -- and Executive Employee
46,558 1,321 12,972 1,306
Deposito Time Deposits
Pihak Dibawah Pengendalian Parties under
Bersama 620,114 140,113 456,351 9,341 Common Control
Pemegang Saham 135,000 -- 348,500 -- Shareholders
Keluarga Pemegang Saham 49,078 2,120 82,328 202 Family of Shareholders
Dewan Komisaris, Direksi dan Directors and Executive
Pejabat Eksekutif Bank 28,963 1,085 22,887 2,377 Employee of the Bank
Keluarga Direksi dan Family of the Bank's Director
Pejabat Eksekutif Bank -- -- -- -- and Executive Employee
833,155 143,318 910,066 11,920
Jumlah 2,401,639 187,752 2,873,061 29,081 Total
Persentase dari Jumlah Liabilitas 10.31% 0.81% 14.20% 0.14% Percentage from Total Liabilities
117
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
` 2023 2022
Rupiah/ Valuta Asing/ Rupiah/ Valuta Asing/
Rupiah Foreign Currency Rupiah Foreign Currency
Rp Rp Rp Rp
Pendapatan Bunga (Catatan 26) Interest Income (Note 26)
Pihak Di Bawah Pengendalian Parties under
Bersama -- -- 10,959 -- Common Control
Pemegang Saham 13,196 -- -- -- Shareholders
Dewan Komisaris, Direksi dan Directors and Executive
Pejabat Eksekutif Bank 17 -- -- -- Employee of the Bank
Jumlah 13,213 -- 10,959 -- Total
Persentase dari Pendapatan Bunga 0.88% 0.00% 0.94% 0.00% Percentage from Interest Income
Beban Bunga (Catatan 27) Interest Expenses (Note 27)
Pihak Dibawah Pengendalian Parties under
Bersama 55,932 3,910 32,532 60 Common Control
Pemegang Saham 12,696 -- 20,546 415 Shareholders
Keluarga Pemegang Saham 3,300 2 5,663 3 Shareholder's Family
Board of Commissioners,
Dewan Komisaris, Direksi dan Directors and Executive
Pejabat Eksekutif Bank 2,747 55 1,209 31 Employee of the Bank
Keluarga Direksi dan Family of the Bank's Director
Pejabat Eksekutif Bank -- 83 -- -- and Executive Employee
Jumlah 74,675 4,050 59,950 509 Total
Rincian imbalan kerja jangka pendek untuk Details of short term employee benefits of
pihak-pihak berelasi adalah sebagai berikut: related parties are as follows:
2023 2022
Rp Rp
Direksi 14,301 14,161 Board of Directors
Dewan Komisaris 3,017 2,968 Board of Commissioners
Pejabat eksekutif 60,088 51,943 Executive Officers
Jumlah 77,406 69,072 Total
Rincian imbalan jangka panjang lainnya untuk Details of other long term benefits of related
pihak berelasi adalah sebagai berikut: parties are as follows:
2023 2022
Rp Rp
Pejabat eksekutif 115 98 Executive Officers
Jumlah 115 98 Total
Rincian pembayaran imbalan pasca kerja Details of post employee benefits payment to
untuk pihak-pihak berelasi adalah sebagai related parties are as follows:
berikut:
2023 2022
Rp Rp
Direksi 3,947 -- Board of Directors
Pejabat Eksekutif 651 6,198 Executive Officers
Jumlah 4,598 6,198 Total
118
Page 550
PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
36. Komitmen dan Kontinjensi 36. Commitments and Contingencies
Dalam bisnis normal perbankan, Bank As part of normal banking business, the Bank
mempunyai komitmen dan kontinjensi yang has commitments and contingencies that are
tidak disajikan dalam laporan keuangan. not presented in the financial statements.
Ikhtisar komitmen dan kontinjensi Bank yang The following is a summary of the Bank’s
dinyatakan dalam nilai kontrak adalah sebagai commitments and contingencies at contractual
berikut: amounts:
2023 2022
Rp Rp
Komitmen Commitment
Tagihan Komitmen Commitment Charges
Tagihan atas Pembelian
Surat Berharga 1,508,109 2,675 Purchase of Securities Charges
Forward Exchange Bought 138,573 537,358 Forward Exchange Bought
Spot Exchange Bought 8,603 12,205 Spot Exchange Bought
Tagihan Lainnya -- 3,200 Other Charges
Jumlah Tagihan Komitmen - Neto 1,655,285 555,438 Total Commitment Charges - Net
Liabilitas Komitmen Commitment Liabilities
Fasilitas Kredit kepada Nasabah Unused Loans Facilities
yang Belum Ditarik (Catatan 10.f.7) (1,010,842) (1,163,670) Granted (Note 10.f.7)
Penjualan Spot dan Derivatif yang Unresolved Sales of Spots
Belum Diselesaikan (1,334) (156,190) and Derivatives
Penjualan Surat Berharga yang Unresolved Sales of
Belum Diselesaikan (606) -- Marketable Securities
Kewajiban L/C Impor Usance -- (497) L/C Impor Usance Liabilities
Jumlah Liabilitas Komitmen - Neto (1,012,782) (1,320,357) Total Commitment Liabilities - Net
Kontinjensi Contingencies
Tagihan Kontinjensi Contingencies Charges
Penghasilan Bunga Interest Receivable on
dalam Penyelesaian (9,548) (11,425) Non-Performing Assets
Jumlah Tagihan Kontinjensi - Neto (9,548) (11,425) Total Contingencies Charges - Net
Liabilitas Kontinjensi Contingencies Liabilities
Bank Garansi (129,238) (132,182) Bank Guarantee
Jumlah Kontinjensi - Neto (129,238) (132,182) Total Contingencies - Net
Lainnya Others
Rekening Administratif Lainnya 6,360,111 9,415,272 Other Administrative Account
Kredit Hapus Buku (Catatan 10.f.8) 69,808 52,204 Written Off Loans (Note 10.f.8)
Jumlah Lainnya 6,429,919 9,467,476 Total Others
Liabilitas Komitmen dan Total Commitment Liabilities and
Kontinjensi - Neto 6,933,636 8,558,950 Contingencies - Net
119
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
37. Informasi Segmen Usaha 37. Operating Segment Information
Berikut ini adalah informasi segmen Bank Information regarding the operating segments
berdasarkan segmen operasi: of the Bank are as follows:
31 Desember/December 31, 2023
Korporasi/ Tresuri/ Jumlah/
Corporate Treasury Total
Rp Rp Rp
Pendapatan Bunga Bersih 716,966 18,824 735,790 Net Interest Income
Pendapatan Operasional Lainnya 148,157 7,087 155,244 Other Operating Income
Pemulihan (Pembentukan) Recovery (Provision) on
Cadangan Kerugian Allowance for
Penurunan Nilai (42,059) (925) (42,984) Impairment Losses
Beban Tenaga Kerja (333,147) -- (333,147) Personnel Expenses
Beban Umum dan General and
Administrasi (334,111) (374) (334,485) Administrative Expenses
Laba Operasional 155,806 24,612 180,418 Operational Income
Pendapatan Non Operating
Non Operasional 5,112 -- 5,112 Incomes
Laba sebelum Income before
Pajak Penghasilan 160,918 24,612 185,530 Income Tax
Beban Pajak Penghasilan (43,994) -- (43,994) Income Tax Expenses
Laba Bersih 116,924 24,612 141,536
283,072 Net Income
Jumlah Aset 17,390,089 9,232,263 26,622,352 Total Assets
Jumlah Liabilitas 14,126,486 9,160,851 23,287,337 Total Liabilities
31 Desember/December 31, 2022
Korporasi/ Tresuri/ Jumlah/
Corporate Treasury Total
Rp Rp Rp
Pendapatan Bunga Bersih 629,252 29,839 659,091 Net Interest Income
Pendapatan Operasional Lainnya 57,057 15,119 72,176 Other Operating Income
Pemulihan (Pembentukan) Recovery (Provision) on
Cadangan Kerugian Allowance for
Penurunan Nilai (25,687) 190 (25,497) Impairment Losses
Beban Tenaga Kerja (295,748) -- (295,748) Personnel Expenses
Beban Umum dan General and
Administrasi (275,349) (310) (275,659) Administrative Expenses
Laba Operasional 89,525 44,838 134,363 Operational Income
Pendapatan Non Operating
Non Operasional (230) -- (230) Incomes
Laba sebelum Income before
Pajak Penghasilan 89,295 44,838 134,133 Income Tax
Beban Pajak Penghasilan (30,288) -- (30,288) Income Tax Expenses
Laba Bersih 59,007 44,838 103,845
207,690 Net Income
Jumlah Aset 13,461,991 8,654,375 22,116,366 Total Assets
Jumlah Liabilitas 11,602,623 8,641,143 20,243,766 Total Liabilities
120
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Berikut ini adalah informasi segmen Bank Segment information based on geographical
berdasarkan segmen geografis: segment are as follows:
31 Desember/ December 31 , 2023
Jabodetabek Indonesia Indonesia Indonesia Jumlah/
Bagian Tengah/ Bagian Barat/ Bagian Timur/ Total
Central West East
Indonesia Indonesia Indonesia
Rp Rp Rp Rp Rp
Pendapatan Bunga Bersih 505,202 61,188 119,171 50,229 735,790 Net Interest Income
Pendapatan Operasional Lainnya 141,126 3,521 6,150 4,447 155,244 Other Operating Income
Pembentukan Cadangan Provision for
Kerugian Penurunan Nilai (42,474) 7,586 (3,727) (4,369) (42,984) Impairment Losses
Beban Tenaga Kerja (282,255) (13,858) (28,746) (8,288) (333,147) Personnel Expenses
Beban Umum dan General and
Administrasi (298,089) (11,577) (19,254) (5,565) (334,485) Administrative Expenses
Laba Operasional 23,510 46,860 73,594 36,454 180,418 Operational Income
Pendapatan (Beban) Non Operating
Non Operasional 5,102 10 -- -- 5,112 Incomes (Expenses)
Laba sebelum Income before
Pajak Penghasilan 28,612 46,870 73,594 36,454 185,530 Income Tax
Beban Pajak Penghasilan (43,994) -- -- -- (43,994) Income Tax Expenses
Laba Bersih (15,382) 46,870 73,594 36,454 141,536 Net Income
Jumlah Aset 23,735,188 544,756 1,039,155 1,303,253 26,622,352 Total Assets
Jumlah Liabilitas 20,557,092 497,886 965,559 1,266,800 23,287,337 Total Liabilities
31 Desember/ December 31 , 2022
Jabodetabek Indonesia Indonesia Indonesia Jumlah/
Bagian Tengah/ Bagian Barat/ Bagian Timur/ Total
Central West East
Indonesia Indonesia Indonesia
Rp Rp Rp Rp Rp
Pendapatan Bunga Bersih 440,781 63,189 110,644 44,477 659,091 Net Interest Income
Pendapatan Operasional Lainnya 59,609 3,635 6,004 2,928 72,176 Other Operating Income
Pembentukan Cadangan Provision for
Kerugian Penurunan Nilai (30,817) 2,590 2,152 578 (25,497) Impairment Losses
Beban Tenaga Kerja (245,810) (13,932) (28,070) (7,936) (295,748) Personnel Expenses
Beban Umum dan General and
Administrasi (238,793) (11,568) (19,634) (5,664) (275,659) Administrative Expenses
Laba Operasional (15,030) 43,914 71,096 34,383 134,363 Operational Income
Pendapatan (Beban) Non Operating
Non Operasional (238) 8 -- -- (230) Incomes (Expenses)
Laba sebelum Income before
Pajak Penghasilan (15,268) 43,922 71,096 34,383 134,133 Income Tax
Beban Pajak Penghasilan (30,288) -- -- -- (30,288) Income Tax Expenses
Laba Bersih (45,556) 43,922 71,096 34,383 103,845 Net Income
Jumlah Aset 17,552,317 1,240,284 2,182,819 1,140,946 22,116,366 Total Assets
Jumlah Liabilitas 15,679,717 1,240,284 2,182,819 1,140,946 20,243,766 Total Liabilities
38. Nilai Wajar Aset dan Liabilitas Keuangan 38. Fair Value of Financial Assets and
Liabilities
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the fair
nilai wajar dari aset dan liabilitas keuangan values of financial assets and liabilities of the
Bank setelah dikurangi cadangan kerugian Bank less allowance for impairment loss are as
penurunan nilai adalah: follows:
121
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
2023 2022
Nilai Tercatat/ Nilai Wajar/ Nilai Tercatat/ Nilai Wajar/
Carrying Value Fair Value Carrying Value Fair Value
Rp Rp Rp Rp
Aset Assets
Kas 157,297 157,297 189,892 189,892 Cash
Giro pada Current Account with
Bank Indonesia 1,154,460 1,154,460 1,039,002 1,039,002 Bank Indonesia
Giro pada Current Account with
Bank Lain - neto 106,591 106,591 178,041 178,041 Other Banks - nett
Penempatan pada Bank Lain Placements with Other Banks
dan Bank Indonesia - neto 2,096,269 2,096,269 1,625,415 1,625,415 and Bank Indonesia - nett
Efek-efek - neto 2,755,787 2,755,787 1,177,813 1,177,813 Marketable Securities - nett
Tagihan Derivatif 1 1 525 525 Derivatives Receivable
Tagihan atas Efek-efek Receivable from Marketable
yang Dibeli dengan Securities Purchased under
Janji Dijual Kembali 3,098,592 3,098,592 4,620,857 4,620,857 Agreement to Resell
Kredit yang Diberikan - neto 15,135,973 15,135,973 12,329,684 12,329,684 Loans - nett
Aset Lainnya *) 856,715 856,715 229,076 229,076 Other Assets *)
Jumlah 25,361,685 25,361,685 21,390,305 21,390,305 Total
Liabilitas Liabilities
Simpanan Nasabah Deposits from Customers
Giro 5,941,512 5,941,512 5,391,885 5,391,885 Current Accounts
Tabungan 1,344,828 1,344,828 1,377,032 1,377,032 Savings Account
Deposito Berjangka 10,589,193 10,589,193 8,307,063 8,307,063 Time Deposits
Simpanan dari Bank Lain Deposits from Other Banks
Call Money 460,000 460,000 446,703 446,703 Call Money
Giro 92,434 92,434 83,531 83,531 Current Accounts
Deposito Berjangka 22,500 22,500 31,000 31,000 Time Deposits
Liabilitas Derivatif 969 969 1,287 1,287 Derivative Liabilities
Liabilitas atas Efek-efek Liabilities from Marketable Securities
yang Dijual dengan Sold under Agreements
Janji Dibeli Kembali 4,502,329 4,502,329 4,275,913 4,275,913 to Repurchase
Liabilitas Lainnya **) 67,924 67,924 64,125 64,125 Other Liabilities **)
Jumlah 23,021,689 23,021,689 19,978,539 19,978,539 Total
*) Aset lainnya terdiri dari pendapatan yang masih *) Other assets consist of accrued interest income,
akan diterima, tagihan terkait dengan transaksi receivables relating to ATM transaction, and security
ATM, dan uang jaminan. deposits.
**) Liabilitas lainnya terdiri dari akrual bunga, liabilitas **) Other liabilities consist of accrued interest expenses,
terkait dengan transaksi ATM dan sebagian dari liabilities relating to ATM transaction and part of other
liabilitas lainnya. liabilities.
i) Giro pada Bank Indonesia, giro pada i) Current accounts with Bank Indonesia,
bank lain, tagihan akseptasi, dan current accounts with other banks,
pendapatan yang masih akan diterima. acceptance receivables, and accrued
interest income.
Nilai tercatat dari giro pada Bank The carrying amount of floating rate
Indonesia dan bank lain dengan suku current accounts with Bank Indonesia and
bunga mengambang adalah perkiraan other banks is a reasonable approximation
yang layak atas nilai wajar. of fair value.
Estimasi nilai wajar terhadap tagihan The estimated fair value of acceptance
akseptasi dan pendapatan yang masih receivables and accrued income is based
akan diterima berdasarkan diskonto arus on discounted cash flows using prevailing
kas dengan menggunakan suku bunga money market interest rates for debts with
pasar uang yang berlaku untuk utang similar credit risk and remaining maturity.
dengan risiko kredit dan sisa jatuh tempo Since the maturity is below 1 (one) year,
yang serupa. Karena sisa jatuh tempo di the carrying amount of accrued income is
bawah 1 (satu) tahun nilai tercatat dari a reasonable approximation of fair value.
pendapatan yang masih akan diterima
perkiraan yang layak atas nilai wajar.
122
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
ii) Penempatan pada Bank Indonesia dan ii) Placements with Bank Indonesia and other
bank lain banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia represent
merupakan penempatan dana pada Bank of funds in Bank Indonesia in the form
Indonesia berupa Fasilitas Simpanan Deposit Facility of Bank Indonesia and
Bank Indonesia dan Term Deposit Bank Term Deposit Bank Indonesia, whereas
Indonesia, sedangkan penempatan dana placement with other bank is in the form of
pada bank lain berupa call money dan call money, certificates of deposits.
sertifikat deposito.
Nilai tercatat dari penempatan dan The carrying amount of floating rate
simpanan overnight dengan suku bunga placements and overnight deposits is a
mengambang adalah perkiraan yang reasonable approximation of fair value.
layak atas nilai wajar.
Estimasi nilai wajar terhadap penempatan The estimated fair value of fixed interest
dengan suku bunga tetap ditetapkan bearing deposits is based on discounted
berdasarkan diskonto arus kas dengan cash flows using prevailing money market
menggunakan suku bunga pasar uang interest rates for debts with similar credit
yang berlaku untuk utang dengan risiko risk and remaining maturity.
kredit dan sisa jatuh tempo yang serupa.
iii) Efek-efek, obligasi, tagihan dan liabilitas iii) Marketable securities, bonds, derivative
derivatif receivables and liabilities
Nilai wajar untuk tagihan derivatif The fair value for derivative receivables is
ditetapkan menggunakan harga pasar, based on market rates, whereas fair value
sedangkan nilai wajar untuk efek-efek for marketable securities and Government
dan Obligasi Pemerintah ditetapkan Bonds is based on market prices or
berdasarkan harga pasar atau harga broker/dealer price quotations. If this
kuotasi perantara (broker)/pedagang information is not available, fair value is
efek (dealer). Jika informasi ini tidak estimated using quoted market prices for
tersedia, nilai wajar diestimasi dengan securities with similar credit,
menggunakan harga pasar kuotasi efek maturity, and yield characteristics
yang memiliki karakteristik kredit, jatuh (level 2-fair value hierarchy). Fair value
tempo, dan yield yang serupa hierarchy for Government Bond is level 1.
(level 2-hierarki nilai wajar). Hierarki nilai
wajar Obligasi Pemerintah adalah level 1.
iv) Tagihan atas efek-efek yang dibeli iv) Receivable from marketable securities
dengan janji dijual kembali purchased under agreements to resell
Estimasi nilai wajar terhadap tagihan atas The estimated fair value of receivable
efek-efek yang dibeli dengan janji dijual from marketable securities purchased
kembali ditetapkan berdasarkan diskonto under agreements to resell is based on
arus kas dengan menggunakan suku discounted cash flows using prevailing
bunga pasar uang yang berlaku untuk money market interest rates for debts with
utang dengan risiko kredit dan sisa jatuh similar credit risk and remaining maturity.
tempo yang serupa. Karena sisa jatuh Since the maturity is below 1 (one) year,
tempo di bawah 1 (satu) tahun nilai the carrying amount of securities
tercatat dari efek-efek yang dibeli dengan purchased under resale agreements is a
janji dijual kembali adalah perkiraan yang reasonable approximation of fair value.
layak atas nilai wajar.
123
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
v) Kredit yang diberikan v) Loans
Kredit yang diberikan dinyatakan Loans are recorded at carrying amount
berdasarkan jumlah nilai tercatat setelah net of charges for impairment. The
dikurangi oleh beban penurunan nilai. estimated fair value represents the
Estimasi nilai wajar mencerminkan jumlah discounted amount of estimated future
diskonto dari estimasi kini dari arus kas cash flows expected to be received.
masa depan yang diharapkan akan Expected cash flows are discounted at
diterima. Arus kas yang diharapkan current market rates to determine fair
didiskontokan pada tingkat suku bunga value.
pasar terkini untuk menentukan nilai
wajar.
vi) Simpanan nasabah, simpanan dari bank vi) Deposits from customers, deposits from
lain, liabilitas akseptasi, akrual bunga, other banks, acceptance liabilities,
dan liabilitas lain-lain accrued interest, and other liabilities
Estimasi nilai wajar simpanan tanpa jatuh The estimated fair value of deposits with
tempo, termasuk simpanan tanpa bunga no stated maturity, which includes non-
adalah sebesar jumlah terutang ketika interest bearing deposits, is the amount
utang tersebut dibayarkan. repayable on demand.
Estimasi nilai wajar terhadap liabilitas The estimated fair value of obligation due
segera, simpanan dengan tingkat suku immediately, fixed interest-bearing
bunga tetap, liabilitas akseptasi, pinjaman deposits, acceptance liabilities,
yang diterima, beban akrual, dan liabilitas borrowings, accrual expense, and other
lain-lain yang tidak memiliki kuotasi di liabilities not quoted in an active market is
pasar aktif ditetapkan berdasarkan based on discounted cash flows using
diskonto arus kas dengan menggunakan interest rates for new debts with similar
suku bunga utang baru dengan sisa jatuh remaining maturity (level 2 - fair value
tempo yang serupa (level 2 - hierarki nilai hierarchy).
wajar).
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, financial
aset keuangan yang diukur pada nilai wajar assets measured at fair value based on
menggunakan hierarki nilai wajar adalah: following fair value hierarchy:
31 Desember/December 31 , 2023
Nilai Wajar/Fair Value
Nilai Tercatat/ Tingkat 1/ Tingkat 2/ Tingkat 3/
Carrying Value Level 1 Level 2 Level 3
Rp Rp Rp Rp
Aset Keuangan Financial Assets
Efek-efek 1,601,300 -- 1,601,300 -- Marketable Securities
Obligasi Pemerintah 1,154,487 -- 1,154,487 -- Government Bonds
Jumlah 2,755,787 -- 2,755,787 -- Total
31 Desember/December 31 , 2022
Nilai Wajar/Fair Value
Nilai Tercatat/ Tingkat 1/ Tingkat 2/ Tingkat 3/
Carrying Value Level 1 Level 2 Level 3
Rp Rp Rp Rp
Aset Keuangan Financial Assets
Efek-efek 15,000 -- 15,000 -- Marketable Securities
Obligasi Pemerintah 1,162,813 -- 1,162,813 -- Government Bonds
Jumlah 1,177,813 -- 1,177,813 -- Total
Tidak terdapat perpindahan antara tingkat 1 There is no transfer between level 1 and level
dan tingkat 2 hierarki nilai wajar. 2 of the fair value hierarchy.
124
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Teknik penilaian spesifik yang digunakan untuk Specific valuation technique used to value
melakukan penilaian pada instrumen financial instruments, include:
keuangan, antara lain:
a. Harga yang dikutip dari pasar atau a. Quoted market prices or dealer quotes for
pedagang efek instrumen serupa; similar instruments;
b. Nilai wajar dari swap tingkat suku bunga b. Fair value of interest rate swap is
yang diperhitungkan sebagai nilai kini dari calculated as the present value of
estimasi arus kas masa datang estimated future cashflow based on
berdasarkan kurva imbal hasil yang dapat observable yield curves; and
diobservasi; dan
c. Nilai wajar dari kontrak berjangka valuta c. Fair value of foreign exchange contracts is
asing yang ditentukan berdasarkan kurs determined using forward exchange rates
berjangka pada tanggal pelaporan at reporting date.
keuangan.
39. Manajemen Risiko 39. Risk Management
Penerapan Manajemen Risiko merupakan Risk Management Implementation is one of an
salah satu pilar penting dan senantiasa important pillar and is always a concern of the
menjadi perhatian oleh pihak manajemen management in an effort to ensure the
dalam upaya menjamin kelangsungan aktivitas sustainable and stable Bank’s business
bisnis Bank yang berkesinambungan dan activities in the long term by implementing
stabil dalam jangka panjang dengan good governance. Risk Management must be
menerapkan tata kelola yang baik. Penerapan implemented as stipulated in the Regulation of
Manajemen Risiko wajib diterapkan oleh Bank the Financial Services Authority
sebagaimana telah diatur pada Peraturan No.18/POJK.03/2016 dated 16 March 2016
Otoritas Jasa Keuangan No.18/POJK.03/2016 and further regulated in the Financial Services
tanggal 16 Maret 2016 dan lebih lanjut diatur Authority Circular Letter No
dalam Surat Edaran Otoritas Jasa Keuangan 34/SEOJK.03/2016 dated 1 September 2016
Nomor 34/SEOJK.03/2016 tanggal concerning the Implementation of Risk
1 September 2016 tentang Penerapan Management for Commercial Banks. The Bank
Manajemen Risiko bagi Bank Umum. Dalam has implemented risk management for all
pelaksanaannya, Bank telah menerapkan types of risks faced by the Bank in accordance
manajemen risiko untuk seluruh jenis risiko with the provisions stipulated by the Regulator
yang dihadapi oleh Bank sesuai dengan which includes 8 (eight) types of risk, which
ketentuan yang ditetapkan oleh regulator yang are credit risk, market risk, liquidity risk,
meliputi 8 (delapan) jenis risiko yaitu risiko operational risk, legal risk, strategic risk,
kredit, risiko pasar, risiko likuiditas, risiko compliance risk, and reputation risk.
operasional, risiko hukum, risiko stratejik, risiko
kepatuhan, dan risiko reputasi.
Sebagai bagian dari tata kelola Bank, maka As part of corporate governance, the
Penerapan Manajemen Risiko yang efektif implementation of effective risk management
dilaksanakan melalui prinsip-prinsip yang is carried out through principles that include
meliputi pengawasan aktif Dewan Komisaris active supervision of the Board of
dan Direksi, kecukupan kebijakan, prosedur Commissioners and the Board of Directors,
dan penetapan limit manajemen risiko, adequacy of policies, procedures and setting
kecukupan proses manajemen risiko yang risk management limits, adequacy of risk
meliputi identifikasi, pengukuran, pemantauan management processes which include
dan pengendalian risiko, serta penerapan identification, measurement, monitoring and
sistem informasi manajemen risiko berikut control. risks, as well as the implementation of
sistem pengendalian intern yang menyeluruh. a risk management information system along
with a comprehensive internal control system.
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Penerapan Manajemen Risiko berpedoman The implementation of Risk Management is
pada kerangka manajemen risiko yang guided by a framework as outlined in the
dituangkan dalam Kebijakan Umum General Risk Management Policy as the basis
Penerapan Manajemen Risiko Bank sebagai for setting risk strategies, the implementation
landasan dasar dalam menetapkan strategi of active supervision by the Board of
risiko, penerapan dari pengawasan aktif Commissioners and the Board of Directors,
Dewan Komisaris dan Direksi, kerangka organizational framework, limit setting
organisasi, prosedur dan metodologi procedures and methodologies, as well as the
penetapan limit, serta proses yang meliputi process that includes the stages in identifying,
tahapan-tahapan dalam mengidentifikasi, measure, and monitor the risks that arise so
mengukur, memantau dan mengendalikan that all business activities can be managed
risiko yang timbul sehingga seluruh kegiatan properly in accordance with the level of risk
usaha dapat dikelola dengan baik sesuai that is allowed (risk appetite) in order to
dengan tingkatan risiko yang bersedia diambil achieve the Bank’s goals, namely business
oleh Bank (risk appetite) dalam rangka growth and increasing the Bank’s revenue in a
mencapai tujuan perusahaan yaitu adanya sustainable and long-term nature. The level of
pertumbuhan bisnis dan meningkatnya risk that is willing to be taken is determined by
pendapatan Bank secara berkesinambungan the Bank by taking into account the capital
dan bersifat jangka panjang. Tingkat risiko aspect, considering that the amount of capital
yang bersedia diambil ditetapkan oleh Bank level is basically an important variable in
dengan memperhatikan aspek permodalan, absorbing all potential risks faced by the Bank.
mengingat besarnya tingkat permodalan pada In addition, the Bank also strives to
dasarnya merupakan variabel yang penting continuously increase awareness of the
dalam menyerap seluruh potensi risiko yang creation of a risk management culture inherent
dihadapi oleh Bank. Selain itu, Bank juga at every level of the organization, including
senantiasa berupaya untuk meningkatkan through a 3 (three) line of defense approach
kesadaran secara terus-menerus atas and the implementation of prudential
terciptanya budaya manajemen risiko yang principles in all of the Bank’s business
melekat di setiap jenjang organisasi activities. Risk management activities always
diantaranya melalui pendekatan 3 (three) lines receive attention from the Bank in an effort to
of defense serta pelaksanaan prinsip-prinsip balance the increasingly complex and diverse
kehati-hatian pada semua aktivitas bisnis products and business challenges faced by
Bank. Aktivitas manajemen risiko senantiasa the Bank. The implementation of consistent
mendapat perhatian dari Bank dalam upaya risk management in the long term is expected
mengimbangi semakin kompleks dan to play an important role in increasing
beragamnya produk maupun tantangan- competitiveness and providing added value
tantangan bisnis yang dihadapi Bank. and benefits not only for the Bank but also for
Penerapan manajemen risiko yang konsisten stakeholders.
dalam jangka panjang diharapkan akan
berperan penting dalam meningkatkan daya
saing serta memberikan nilai tambah dan
manfaat tidak saja bagi Bank namun juga bagi
para pemangku kepentingan.
Dewan Komisaris dan Direksi telah The Board of Commissioners and the Board of
memastikan bahwa struktur organisasi telah Directors ensured that the organizational structure
dibuat secara memadai sesuai dengan has been established adequately in accordance
kompleksitas, ukuran dan kebutuhan bisnis with the complexity, size and business needs of
Bank maupun ketentuan regulator yang the Bank. Policies and procedures are made by
berlaku. Kebijakan dan prosedur dibuat taking into account the duties and responsibilities
dengan memperhatikan tugas dan tanggung of each work unit based on an analysis of the
jawab masing-masing unit kerja berdasarkan needs and competencies of human resources that
analisa kebutuhan dan kompetensi sumber have met the specified quantity and quality
daya manusia yang telah memenuhi standar standards, in an effort to support the
kuantitas dan kualitas yang ditetapkan, dalam implementation of good risk management. In this
upaya untuk mendukung Penerapan case, needs analysis also pays attention to the
Manajemen Risiko yang baik. Dalam hal ini challenges of human resource needs associated
analisa kebutuhan juga memperhatikan with a dynamically changing business environment
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CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
tantangan kebutuhan sumber daya manusia due to rapid technological developments.The Bank
yang dikaitkan dengan lingkungan bisnis yang has also established an executive committee within
berubah secara dinamis sehubungan the scope of risk control and supervision through
perkembangan teknologi yang pesat. Bank the Risk Monitoring Committee (KPR) at the Board
juga telah membentuk komite eksekutif dalam of Commissioners level and the Risk Management
lingkup kerja pengendalian dan pengawasan Committee (KMR) at the Board of Directors level,
risiko melalui Komite Pemantau Risiko (KPR) which meet regularly. Other executive committees
di tingkat Dewan Komisaris serta Komite related to specific risk control have also been
Manajemen Risiko dan Kebijakan Perkreditan established such as the Assets and Liabilities
di tingkat Direksi, yang melakukan rapat Committee (ALCO), Credit Committee, Information
secara berkala. Komite eksekutif lainnya yang Technology Steering Committee and the New
terkait dengan pengendalian risiko secara Bank Committee (PBB).
spesifik juga telah ditetapkan seperti Komite
Aset dan Liabilitas (ALCO), Komite Kredit,
Komite Pengarah Teknologi Informasi, Change
Advisory Board (CAB) dan Komite Produk
Bank Baru (PBB).
Pengawasan Aktif Dewan Komisaris dan Active Supervision of the Board of
Direksi Commissioners and Board of Directors
Salah satu pilar manajemen risiko adalah One of the pillars of risk management is a
adanya komitmen yang kuat dari manajemen strong commitment from top management in
puncak dalam mendukung terlaksananya supporting the implementation of an effective
proses manajemen risiko yang efektif. Dewan risk management process. The Board of
komisaris dan Direksi telah memahami risiko Commissioners and Board of Directors have
yang dihadapi oleh Bank untuk kemudian understood the risks faced by the Bank and
memberikan arahan yang jelas dalam upaya then provide clear directions in an effort to
mengurangi dampak risiko tersebut serta reduce the impact of these risks as well as
melakukan pengawasan secara aktif dan carry out active supervision and foster a risk
menumbuhkan budaya manajemen risiko. Di management culture. In addition, the Board of
samping itu, Dewan Komisaris dan Direksi Commissioners and the Board of Directors
juga sangat berperan dalam memastikan also play a very important role in ensuring the
tersedianya struktur organisasi, penetapan availability of an organizational structure,
tugas dan tanggung jawab dari masing-masing determining the duties and responsibilities of
pihak yang mengelola risiko serta memastikan each party that manages risk and ensuring the
tersedianya kuantitas sumber daya manusia availability of a quantity of human resources
yang dapat mendukung terciptanya proses that can support the creation of an effective
manajemen risiko yang efektif sesuai dengan risk management process in accordance with
ukuran, tingkat kompleksitas bisnis, kompetisi the size, level of business complexity and risk
dan profil risiko yang dihadapi oleh Bank. profile faced by the Bank.
Kecukupan Kebijakan, Prosedur, dan Adequacy of Policies, Procedures, and Limit
Penetapan Limit Setting
Bank senantiasa berupaya memastikan The Bank strives to ensure the availability of
ketersediaan adanya kecukupan kebijakan, adequate policies, procedures, and
prosedur, dan penetapan limit internal yang determination of internal limits, which is one of
merupakan salah satu langkah Bank dalam the Bank’s steps in implementing risk
menerapkan manajemen risiko. Pembuatan management. New policy making is carried out
kebijakan baru maupun pengembangannya by adjusting the bank’s business strategy, and
dilakukan dengan menyesuaikan strategi referring to applicable regulations from
bisnis bank dan perubahan lingkungan bisnis regulators and the government. Each policy,
terjadi, yang disusun dengan senantiasa procedure and determination of internal limits
memperhatikan pada peraturan yang berlaku is reviewed prior to issuance and periodic
dari regulator dan pemerintah. Setiap evaluations/adjustments are made to changes
kebijakan, prosedur dan penetapan limit to the Bank’s business activities and the
internal dilakukan pengkajian terlebih dahulu provisions of the Regulator.
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
sebelum diterbitkan serta dilakukan
evaluasi/penyesuaian secara berkala terhadap
perubahan atas aktivitas bisnis Bank dan
ketentuan regulator.
Bank secara terus menerus berupaya The Bank strives to develop and improve the
mengembangkan dan meningkatkan kerangka risk management system framework as well as
sistem pengelolaan risiko maupun struktur an integrated and comprehensive internal
pengendalian internal yang terintegrasi dan control structure. This is done in order to adjust
komprehensif. Hal tersebut dilakukan, dalam the implementation of risk management in
rangka menyesuaikan pelaksanaan accordance to the development of the banking
manajemen risiko sesuai dengan business level and ensure that the monitoring
perkembangan tingkat usaha perbankan dan process has been carried out continually to
memastikan proses pemantauan telah create an effective mechanism in detecting
dilaksanakan secara berkelanjutan sehingga potential risks early, so that adequate steps
tercipta mekanisme yang efektif dalam can be taken to reduce the impact of potential
mendeteksi adanya potensi risiko secara lebih risks. The risk management framework is
dini, untuk selanjutnya dapat diambil langkah- reflected in the form of risk appetite, risk
langkah yang memadai untuk mengurangi tolerance, policies, procedures, transaction
dampak risiko yang berpotensi timbul. limits as well as the authority of officials and
Kerangka manajemen risiko tercermin dalam various other tools within the scope of the
bentuk selera risiko (risk appetite), toleransi Bank’s business and operations.
risiko (risk tolerance), kebijakan, prosedur, limit
transaksi maupun kewenangan pejabat serta
berbagai perangkat lainnya dalam ruang
lingkup bisnis dan operasional Bank.
Kecukupan Proses Manajemen Risiko dan Adequacy of Risk Management Process and
Sistem Informasi Manajemen Risiko Risk Management Information System
Proses manajemen risiko telah diterapkan oleh The risk management process has been
Bank secara memadai seperti dilakukannya implemented by the Bank adequately, such as,
proses identifikasi risiko yang melekat pada the identification of risks inherent in all Bank
seluruh produk Bank, pengukuran, products, the measurement, control and
pengendalian dan pemantauan terhadap monitoring of Bank products which also
produk Bank yang juga mencakup evaluasi includes evaluation of risk exposure, risk
terhadap eksposur risiko, toleransi risiko atau tolerance or limits as well as risk exposure
limit-limit maupun uji ketahanan dampak impact resilience test in the worst conditions
eksposur risiko pada kondisi terburuk (stress (stress test) which is presented in periodic
test) yang disajikan dalam laporan secara reports. The risk control process is
berkala. Proses pengendalian risiko diterapkan implemented on an ongoing basis and
secara berkesinambungan dan disesuaikan adjusted to the amount of risk exposure that is
dengan besarnya eksposur risiko yang dapat acceptable to management, the Bank’s risk
diterima oleh manajemen, risk appetite, dan appetite, and risk tolerance. The level of risk
risk tolerance Bank. Tingkat risk appetite, risk appetite, risk tolerance, and limits for each
tolerance, dan limit per jenis risiko dikaji type of risk are reviewed regularly according to
secara berkala disesuaikan dengan business developments and adjusted to the
perkembangan bisnis yang terjadi dan maximum risk that can still be tolerated in
disesuaikan dengan maksimum risiko yang relation to the capital owned by the Bank. Risk
masih dapat di toleransi dikaitkan dengan exposures that arise along with risk limits are
permodalan yang dimiliki oleh Bank. Eksposur continuously monitored and submitted to the
risiko yang timbul beserta batasan limit risiko management of the Bank. The information
senantiasa dipantau dan disampaikan kepada system is a very important part in the overall
manajemen Bank. Sistem informasi implementation of the risk management
merupakan bagian yang sangat penting dalam process. In terms of this risk management
pelaksanaan keseluruhan proses manajemen information system, the Risk Management Unit
risiko tersebut. Dalam hal sistem informasi compiles reports on the main risk exposures
manajemen risiko ini, Satuan Kerja on a regular basis such as Risk Profile Reports
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Manajemen Risiko menyusun laporan and Bank Soundness Levels, Risk
eksposur-eksposur risiko utama yang dihadapi Management Reports as a whole, Risk
oleh Bank secara berkala seperti Laporan Management Reports per type of risk such as
Profil Risiko dan Laporan Tingkat Kesehatan Exposure Monitoring Reports. Market Risk,
Bank, Laporan Manajemen Risiko secara Credit Risk, Counterparty Risk Monitoring
keseluruhan, Laporan Manajemen Risiko per Report, Liquidity Risk Monitoring Report and
jenis risiko seperti Laporan Pemantauan so on, which are submitted to Senior
Eksposur Risiko Pasar, Risiko Kredit, Laporan Management, Directors or executive
Pemantauan Risiko Counterparty, Laporan committees such as the Risk Management
Pemantauan Risiko Likuiditas dan lain Committee and the Board of Commissioners
sebagainya, yang disampaikan kepada Senior through the Risk Monitoring Committee. These
Manajemen, Direksi atau komite eksekutif reports are useful for the Bank’s Management
seperti Komite Manajemen Risiko dan and other supervisory functions in assessing
Kebijakan Perkreditan serta Dewan Komisaris and monitoring the risks faced by the Bank so
melalui Komite Pemantau Risiko. Laporan- as to support the decision-making process in
laporan tersebut berguna bagi Manajemen the context of risk management and mitigation
Bank dan fungsi-fungsi pengawas lainnya strategies.
dalam menilai dan memantau risiko yang
dihadapi Bank sehingga dapat menunjang
proses pengambilan keputusan dalam rangka
strategi manajemen risiko dan mitigasinya.
Penilaian Profil Risiko dan penilaian Tingkat Assessment of the Risk Profile and Bank
Kesehatan Bank dilakukan dengan Soundness Level, carried out by taking into
memperhatikan praktik-praktik dan metodologi account the practices and methodologies that
yang telah diterima dengan baik di industri have been well accepted in the banking
perbankan maupun yang telah ditetapkan oleh industry as well as those set by the Regulator
regulator serta memperhatikan prinsip-prinsip and also the general principles of aspects of
umum aspek-aspek penilaian Tingkat the Bank Soundness Level assessment,
Kesehatan Bank, yaitu berorientasi risiko, namely risk oriented, proportionality,
proporsionalitas, materialitas dan signifikansi, materiality and significance, as well as
serta komprehensif dan terstruktur. Adapun comprehensive and structured. The approach
pendekatan dalam penilaian dan evaluasi profil in assessing and evaluating the risk profile is
risiko dilakukan dengan memperhatikan faktor carried out by considering the factor of how
seberapa besar risiko yang melekat yang much inherent risk is known as Inherent Risk
dikenal sebagai Risiko Inheren dan seberapa and how strong the Quality of Risk
kuat Kualitas Penerapan Manajemen Risiko. Management Implementation is. The
Kombinasi dari kedua faktor tersebut combination of these two factors results in a
menghasilkan peringkat risiko bersih yang net risk rating that is useful for the Bank in
berguna bagi Bank dalam penerapan strategi implementing risk control strategies,
pengendalian risiko, khususnya upaya Bank particularly the Bank’s efforts to minimize risk
dalam meminimalisasi risiko dan mencegah and prevent the risk from recurring in the
risiko terjadi kembali di masa yang akan future. The parameters used in calculating the
datang. Parameter yang digunakan dalam Risk Profile and Bank Soundness Level are
menghitung Profil Risiko dan Tingkat reviewed periodically to adjust to the
Kesehatan Bank senantiasa dikaji ulang development of the Bank’s business level as
secara periodik untuk disesuaikan dengan well as other external factors that are
perkembangan tingkat usaha Bank maupun considered to have a major impact on
faktor-faktor eksternal lainnya yang dianggap increasing risk exposure faced by the Bank.
berdampak besar pada meningkatnya Based on the self-assessment assessment,
eksposur risiko yang dihadapi oleh Bank. the Bank’s Risk Profile in 2021 is composite at
Berdasarkan penilaian self-assessment Profil rank 2 (two), with Inherent Risk of Low to
Risiko Bank tahun 2023 secara komposit Moderate and Quality of Risk Management
berada pada peringkat 2 (dua), dengan Risiko Implementation of Satisfactory.
Inheren berada pada peringkat 2 (dua) atau
Low to Moderate dan Kualitas Penerapan
Manajemen Risiko berada di peringkat 2 (dua)
atau Satisfactory.
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Sistem Pengendalian Internal Internal Control System
Sistem pengendalian intern yang efektif An effective internal control system aims at
memiliki tujuan untuk membantu manajemen assisting the management and owners of the
dan pemilik perusahaan dalam upaya menjaga Bank in efforts to maintain and secure the
dan mengamankan aset Bank, menjamin Bank’s assets, ensure the availability of
tersedianya pelaporan keuangan dan reliable financial and managerial reporting,
manajerial yang dapat dipercaya, improve the Bank’s compliance with laws and
meningkatkan kepatuhan Bank terhadap regulations, and reduce the risk of losses and
ketentuan dan peraturan perundang- increase organizational effectiveness and cost
undangan, serta mengurangi risiko terjadinya efficiency.
kerugian dan meningkatkan efektivitas
organisasi dan efisiensi biaya.
Sistem pengendalian intern pada Bank akan The Bank’s internal control system will be
terlaksana dengan baik tidak lepas dari properly carried out that is part of the
tanggung jawab seluruh karyawan Bank yang responsibility of all employees of the Bank who
ikut berperan aktif untuk menerapkan take an active role in implementing risk
manajemen risiko. Berdasarkan ketentuan management. Based on the applicable
yang berlaku, Bank telah memiliki unit kerja provisions, the Bank already has the Internal
independen Satuan Kerja Internal Audit yang Audit Unit that independently conducts reviews
secara independen melakukan review dan and examinations and evaluations of
pemeriksaan maupun evaluasi terhadap operational and business activities and the
aktivitas operasional dan bisnis serta implementation of overall risks and ensures
implementasi risiko secara keseluruhan dan that the risk owner, Risk Management Unit,
memastikan pemilik risiko, Satuan Kerja and Compliance Unit have performed in
Manajemen Risiko, dan Satuan Kerja accordance with applicable governance and
Kepatuhan telah berjalan sesuai dengan tata provisions.
kelola dan ketentuan yang berlaku.
Sistem pengendalian intern dibangun dengan The internal control system is built on the basis
dasar terciptanya four eyes principle untuk of the creation of four eyes principles to ensure
memastikan adanya pemisahan fungsi dalam the separation of functions in every operational
setiap kegiatan operasional Bank untuk activity of the Bank to avoid the granting of
menghindari pemberian wewenang dan authority and responsibility that can cause
tanggung jawab yang dapat menimbulkan conflicts of interest. The Bank also
adanya benturan kepentingan. Bank juga continuously monitors and periodically
senantiasa memantau dan mengevaluasi evaluates the effectiveness and adequacy
efektivitas dan kapasitas kecukupan Sistem capacity of the Internal Control System in line
Pengendalian Intern secara berkala sejalan with the changes in internal and external
dengan perubahan kondisi intern dan ekstern conditions that can affect the Bank in an effort
yang dapat mempengaruhi Bank dalam upaya to achieve financial targets.
mencapai target finansial.
Selaras dengan ketentuan Otoritas Jasa In accordance with the provisions of the
Keuangan (OJK) mengenai Penerapan Financial Services Authority (OJK) regarding
Manajemen Risiko Bank Umum maka the Implementation of Commercial Banks’ Risk
pengelolaan risiko Bank selama tahun 2023 Management, the Bank’s risk management
dilakukan utamanya terhadap during 2023 was carried out mainly against 8
8 (delapan) risiko yang meliputi Risiko Kredit, (eight) risks, which are Credit Risk, Market
Risiko Pasar, Risiko Likuiditas, Risiko Risk, Liquidity Risk and Operational Risk,
Operasional, Risiko Hukum, Risiko Reputasi, Legal Risk, Reputation Risk, Strategic Risk
Risiko Stratejik dan Risiko Kepatuhan, dengan and Compliance Risk, with the following
penjelasan sebagai berikut: explanation:
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
a. Risiko Kredit a. Credit Risk
Risiko kredit adalah risiko akibat kegagalan Credit risk is the risk due to the failure of the
debitur dan/atau pihak lain (counterparty) debtor and/or counterparties in fulfilling their
dalam memenuhi kewajibannya. Risiko kredit obligations. Credit risk managed by the Bank
yang dikelola oleh Bank dapat timbul dari can arise from various functional banking
berbagai aktivitas fungsional perbankan, activities, such as risks arising from credit
seperti risiko yang timbul dari penyaluran disbursement to individual and corporate
kredit kepada nasabah perorangan dan customers, funding from treasury and
perusahaan, penyediaan dana dari aktivitas investment activities, and trading activities
treasury dan investasi, serta aktivitas such as trade financing.
perdagangan seperti trade financing.
Pengelolaan risiko kredit senantiasa dilakukan Credit risk management is always carried out
dengan memperhatikan bahwa setiap by taking into account that for every credit
ekspansi kredit, Bank harus mampu mengelola expansion, the Bank must be able to manage
dan memantau kualitas kredit sejak saat kredit and monitor credit quality from the moment
atau penyediaan dana diberikan sampai credit or funding is given up to its repayment
dengan pelunasannya mengingat apabila considering that if credit management is
pengelolaan kredit telah berjalan dengan baik performed well and effectively it can minimize
serta efektif dapat meminimalkan kerugian dan losses and optimize the use of allocated
mengoptimalkan penggunaan modal yang capital. The credit risk management process
dialokasikan. Proses manajemen risiko kredit starts from the process of identification,
dimulai dari proses identifikasi, pengukuran, measurement, monitoring and control which is
pemantauan dan pengendalian yang a dynamic activity in an effort to lower the
merupakan aktivitas yang dinamis dalam Bank’s risk level to the level of limitation
upaya menurunkan tingkat risiko Bank ke tolerated by management.
dalam tingkatan batasan yang ditoleransi oleh
manajemen.
Dalam melakukan identifikasi risiko kredit, baik In identifying credit risks, both individually and
secara individual maupun portofolio, Bank in portfolio, the Bank considers factors that
mempertimbangkan faktor yang berpotensi have the potential to have an impact on credit
memiliki dampak terhadap risiko kredit antara risk, including economic conditions, interest
lain kondisi ekonomi, suku bunga, harga rates, world commodity prices, financial
komoditi dunia, kinerja keuangan, kemampuan performance, the ability to pay debtors, debtor
membayar debitur, prospek usaha debitur dan business prospects and so forth. The impact of
lain sebagainya. Dampak dari faktor-faktor these factors is also used by the Bank to
tersebut juga digunakan oleh Bank untuk simulate worsening credit risk exposure in the
melakukan simulasi perburukkan eksposur stress testing. The Bank measures credit risk
risiko kredit dalam kondisi terburuk (stress with several parameters taking into account
testing). Bank mengukur risiko kredit dengan the characteristics and complexity of the types
beberapa parameter memperhatikan of transactions exposed to credit risk, including
karakteristik dan kompleksitas dari jenis assets per balance sheet account, accuracy of
transaksi yang terekspos risiko kredit antara paying debtors (days past due), low quality
lain aset per akun neraca, ketepatan credit, credit concentration based on lending to
membayar debitur (days past due), kredit debtors/groups of core debtors and large
kualitas rendah, konsentrasi kredit exposure, financing objectives, business
berdasarkan pemberian kredit kepada segments, economic sectors and business
debitur/group debitur inti dan debitur besar sectors, geography or region, portfolio
(large exposure), segmen bisnis, sektor category, adequacy of collateral, quality of
ekonomi dan sektor usaha, geografis atau funding and adequacy of reserves.
wilayah, kategori portofolio, kecukupan
agunan, kualitas penyediaan dana, eksposur
tidak langsung, kecukupan pencadangan dan
lain sebagainya.
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Risiko kredit dipantau secara Credit risk is monitored continuously as part of
berkesinambungan sebagai bagian dari proses an ongoing business process while
bisnis yang berkelanjutan dengan tetap maintaining the principle of prudence and
mempertahankan prinsip kehati-hatian serta applicable regulations. As part of
regulasi yang berlaku. Sebagai bagian dari management’s active supervision of credit risk,
pengawasan aktif manajemen terhadap risiko the Bank established an executive committee,
kredit, Bank membentuk komite eksekutif, baik both at the Board of Commissioners and Board
di tingkat Dewan Komisaris maupun Direksi. of Directors. The information includes portfolio
Informasi yang disampaikan antara lain movements, credit concentration, and
pergerakan portofolio, konsentrasi kredit, dan important information needed to monitor
informasi penting yang diperlukan untuk performance. Monitoring of credit limits is also
memantau kinerja. Pemantauan atas batas carried out including monitoring credit
kredit juga dilakukan termasuk di dalamnya concentration risks such as Legal Lending
antara lain pemantauan risiko-risiko Limit (LLL), large exposure, business
konsentrasi kredit seperti Batas Maksimum segmentation, as well as economic sectors
Pemberian Kredit (BMPK), eksposur besar and monitoring of Risk-Weighted Assets
(large exposure), debitur inti, segmentasi (RWA) and their impact on the Bank’s capital.
bisnis, risiko negara (country risk), serta
sektor ekonomi maupun pemantauan atas
Aktiva Tertimbang Menurut Risiko (ATMR)
untuk risiko kredit dan dampaknya terhadap
modal Bank.
Bank juga membentuk komite di level he Bank also established a committee at the
transaksional yaitu Komite Kredit yang transactional level, namely the Credit
bertanggung jawab untuk memberikan Committee which is responsible for providing
keputusan persetujuan kredit. Dalam rangka decisions on credit approval. To reduce the
mengurangi risiko dalam pemberian kredit, risk in lending, the main factor used in the
faktor utama yang digunakan dalam evaluasi evaluation of prospective debtors is to use the
calon debitur adalah menggunakan first method approach, where an evaluation of
pendekatan first way out, di mana dilakukan the debtor’s ability and capability to repay the
evaluasi atas kemampuan dan kesanggupan loan is carried out. Moreover, the existence of
debitur dalam mengembalikan pinjaman. Di collateral which is an alternative to risk
samping itu, adanya agunan yang merupakan mitigation as part of the second method also
alternatif mitigasi risiko sebagai bagian dari plays an important role in efforts to reduce the
second way out juga turut berperan penting risk of credit returns. Credit decision making
dalam upaya mengurangi risiko pengembalian always pays attention to the factor of 5C’s
kredit. Pengambilan keputusan kredit prospective debtors which includes Character,
senantiasa memperhatikan faktor 5C calon Capacity, Capital, Collateral and Condition of
debitur yang meliputi Character, Capacity, Economic. The Risk Management Unit
Capital, Collateral, dan Condition of Economic. (SKMR) monitors credit risk exposure on a
Satuan Kerja Manajemen Risiko (SKMR) portfolio basis and is supported by monitoring
melakukan pemantauan eksposur risiko kredit on a debtor basis by Credit Control, while the
secara portofolio dan didukung oleh four eyes principle function in credit analysis is
pemantauan secara per debitur oleh Credit carried out by the unit in charge of Credit
Control, sementara fungsi four eyes principle Reviewer/Credit Analyst.
dalam analisa kredit dilakukan oleh unit yang
membidangi Credit Reviewer/Credit Analyst.
Pemantauan atas ketepatan waktu Monitoring of payment timeliness is routinely
pembayaran secara rutin dilakukan berupa carried out in the form of an early alert process
proses early alert untuk memastikan potensi to ensure the potential of weakening credit
melemahnya kualitas kredit dapat diidentifikasi quality can be identified from the beginning
sejak awal dan langsung dilakukan tindakan and immediately taken precautions as early as
pencegahan sedini mungkin. Dalam hal telah possible. In the event that prevention efforts
dilakukan upaya pencegahan secara have been carried out to the maximum, but the
maksimal, namun debitur tetap mengalami debtor still has difficulty in fulfilling his/her
kesulitan dalam memenuhi kewajibannya obligations to the Bank, then the mitigation is
132
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
terhadap Bank, maka penanganannya carried out by the unit in charge of handling
dilakukan oleh unit yang membidangi non-performing loans that perform the function
penanganan kredit bermasalah yang of resolving arrears or credit restructuring
melakukan fungsi penyelesaian tunggakan intensively and effectively, hence it is expected
atau restrukturisasi kredit secara intensif dan that the ratio of non-performing loans can
efektif sehingga diharapkan rasio kredit always be suppressed.
bermasalah dapat senantiasa ditekan.
Sepanjang tahun 2023, Bank telah melakukan Throughout 2023, the Bank has calculated the
perhitungan Cadangan Kerugian Penurunan Allowance for Impairment Losses (CKPN). The
Nilai (CKPN). Definisi tagihan yang mengalami definition of receivables that have impairment,
penurunan nilai/impairment, penjelasan an explanation of the approach used for the
mengenai pendekatan yang digunakan untuk formation of individual and collective
pembentukan Cadangan Kerugian Penurunan Allowance for Impairment Losses (CKPN), and
Nilai (CKPN) individual maupun kolektif, serta the methodology used in the calculation of
metodologi yang digunakan dalam CKPN are stated in the Guidelines for the
perhitungan CKPN tertuang dalam Pedoman Implementation of PSAK 71 of the Bank.
Penerapan PSAK 71 Bank.
Bank menerapkan pendekatan standar The Bank applies a Standardized Approach in
(Standardized Approach) dalam perhitungan the calculation of Risk-Weighted Assets (RWA)
Aset Tertimbang Menurut Risiko (ATMR) untuk for Credit Risk, in accordance with the
Risiko Kredit, sesuai dengan ketentuan OJK. provisions of the OJK. In this case, it includes
Dalam hal ini adalah termasuk ketentuan rating provisions, portfolio categories that use
peringkat, kategori portofolio yang ratings, rating agencies, as well as the types of
menggunakan peringkat, lembaga Credit Risk mitigation instruments used in
pemeringkat yang digunakan, serta jenis RWA calculations and so forth that are
instrumen mitigasi Risiko Kredit yang adjusted to the characteristics and conditions
digunakan dalam perhitungan ATMR dan lain of the Bank.
sebagainya yang disesuaikan dengan
karakteristik dan kondisi Bank.
Kebijakan, Prosedur, dan Penetapan Limit Policies, Procedures, and Limit Setting
Pengelolaan risiko kredit didukung dengan Credit risk management is supported by
kebijakan dan pedoman tertulis terkait written policies and guidelines related to credit
kegiatan perkreditan yang antara lain activities which include, among others,
mengatur proses inisiasi kredit, prosedur regulating the credit initiation process, credit
analisa kredit, persetujuan kredit, pencatatan, analysis procedures, credit approvals,
dokumentasi kredit, pengawasan kredit, recording, credit documentation, credit
penanganan kredit bermasalah, restrukturisasi supervision, handling of non-performing loans
kredit, kewenangan hapus buku dan hapus and credit restructuring. The credit policy
tagih. Kebijakan perkreditan menjadi pedoman becomes a guideline in the implementation of
dalam pelaksanaan proses kredit di mana the credit process where operationally it is
secara operasional selanjutnya dijabarkan di further elaborated in a more detailed
dalam prosedur/guidance yang lebih detail procedure/guidance as a guide for the Bank in
sebagai panduan Bank dalam memberikan lending in order to always apply the
kredit agar selalu menerapkan prinsip kehati- precautionary principle.
hatian.
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Kegiatan perkreditan juga didukung dengan Credit activities are also supported by
ketentuan pendelegasian kewenangan provisions for the delegation of authority to
pemberian keputusan kredit yang menjadi grant credit decisions which serve as
pedoman pelaksanaan bagi pejabat yang implementation guidelines for officials involved
terkait didalam fungsi perkreditan dalam in the credit function in deciding loans. Limits
memutuskan pinjaman. Limit kewenangan of authority are delegated to certain individuals
didelegasikan kepada individu tertentu dengan by taking into account the level of credit risk,
mempertimbangkan tingkat risiko kredit, individual performance, guarantees, and the
kinerja individu, jaminan, integritas serta experience of concerned individuals.
pengalaman yang bersangkutan.
Untuk menjaga agar eksposur risiko kredit To maintain credit risk exposure in accordance
sesuai dengan risk appetite, Bank menetapkan with its risk appetite, the Bank sets limits,
batasan (limit), antara lain meliputi limit untuk including limits for credit decision-making
kewenangan pengambilan keputusan kredit authority which are adjusted to the
yang disesuaikan dengan kompetensi competence of decision-making and the level
pengambilan keputusan dan tingkat risikonya. of risk. In addition, the Bank diversifies its
Selain itu, Bank melakukan diversifikasi credit risk exposure by setting a maximum
eksposur risiko kredit dengan menetapkan exposure limit based on certain industrial
batas maksimum eksposur berdasarkan sektor sectors and business segments in an effort to
industri dan diversifikasi pinjaman pada monitor and manage the concentration of the
berbagai segmen bisnis maupun wilayah credit portfolio.
dalam upaya untuk memantau dan mengelola
konsentrasi portofolio kredit.
Agunan Collateral
Dalam pemberian kredit harus berpedoman The granting of credit must be guided by
pada asas perkreditan yang sehat, termasuk sound credit principles, including but not
tetapi tidak terbatas pada syarat penilaian dan limited to the assessment requirements and
kewajaran nilai agunan. Agunan sebagai the fairness of the collateral value. Collateral
second way out juga harus diperhatikan untuk as a second way out must also be considered
mengurangi risiko kredit. Agunan yang dapat to reduce credit risk. Collateral that can be
diterima Bank adalah agunan yang accepted by the Bank is collateral that is
diperbolehkan secara ketentuan Bank dan permitted by the Bank’s provisions and refers
mengacu pada ketentuan eksternal yang to applicable external provisions, mainly cash
berlaku, utamanya adalah agunan tunai dan collateral and non-cash collateral in the form of
agunan non tunai berupa properti, kendaraan, property, vehicles, machinery, and other
mesin, dan agunan lainnya. collateral.
Ketentuan mengenai jenis agunan utama yang The provisions regarding the main types of
diterima, proses untuk menilai dan mengelola collateral received, the process for assessing
agunan, pihak-pihak utama pemberi and managing collateral, the main parties
jaminan/garansi dan kelayakan kredit providing guarantees/guarantees and the
(creditworthiness) dari pihak-pihak tersebut creditworthiness of these parties are contained
tertuang dalam kebijakan perkreditan Bank. in the Bank’s credit policy.
Counterparty Credit Risk Counterparty Credit Risk
Risiko kredit counterparty dari aktivitas Counterparty credit risk from treasury activities
treasury diawasi secara ketat dan secara aktif is closely monitored and actively managed to
dikelola untuk melindungi Bank dari protect the Bank from possible losses if the
kemungkinan kerugian jika counterparty counterparty defaults. The provision of
mengalami default. Pemberian limit kredit counterparty credit limits is determined for
counterparty ditetapkan untuk setiap each counterparty by following a credit risk
counterparty dengan mengikuti penilaian risiko assessment of the counterparty including the
kredit terhadap counterparty antara lain jenis type of transaction, counterparty rating, parent
transaksi, peringkat counterparty, perusahaan Bank and exposure group, asset quality,
induk dan grup eksposur, kualitas aktiva, capital and financial profile. Counterparty risk
134
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
permodalan serta profil keuangan. Eksposur exposure is monitored through independent
risiko counterparty dipantau melalui supervision to ensure that the exposure is still
pengawasan independen untuk memastikan within the established limits.
bahwa eksposur yang timbul masih dalam
batasan limit yang ditetapkan.
Beberapa indikator penting terkait dengan Several important indicators related to the
pelaksanaan aktivitas perkreditan, antara lain implementation of credit activities, among
sebagai berikut: others, are as follows:
1. Tidak terdapat pelanggaran dan 1. There were no violations and exceeding the
pelampauan BMPK selama tahun 2023. LLL during 2023.
2. Kualitas aktiva yang baik, di mana NPL 2. Good asset quality, where gross and net
gross dan net sampai dengan akhir NPLs as of the end of December 2023
Desember 2023 adalah masing-masing were 0.51% and 0.40% respectively with
sebesar 0,51% dan 0,40% dengan the formation of an adequate allowance for
pembentukan Cadangan Kerugian impairment losses (CKPN), in line with the
Penurunan Nilai (CKPN) kredit yang principle of prudence in disbursing funds.
memadai, sejalan dengan prinsip kehati-
hatian dalam aktivitas penyaluran dana.
3. Pemantauan pinjaman khususnya terkait 3. Monitoring loans, especially related to the
jumlah hari tertunggak (days past due) number of days past due, early and
secara lebih dini dan berkala, sehingga periodically, so that the detection of non-
deteksi atas kredit bermasalah dapat performing loans can be carried out early
dilakukan lebih awal untuk kemudian and then handled quickly and accurately.
ditangani secara cepat dan tepat.
4. Sebagai bagian dari pengendalian risiko 4. As part of controlling concentration risk,
konsentrasi, maka sebaran eksposur the distribution of loan exposure is
pinjaman dijaga agar tidak terjadi maintained so that there is no excessive
konsentrasi dan pengelompokan yang concentration and grouping in certain
berlebihan pada sektor ekonomi maupun economic sectors or business segments.
debitur atau grup debitur besar tertentu.
Analisa eksposur maksimum terhadap risiko Analysis of the maximum exposure to credit
kredit tanpa memperhitungkan agunan yang risk without taking into account any collateral
dimiliki atau peningkatan kualitas kredit lain held or other credit quality improvement are as
adalah sebagai berikut: follows:
Eksposur Maksimum Risiko Kredit Maximum Exposure of Credit Risk
Untuk aset keuangan yang diakui di laporan For financial assets that are recognized in the
posisi keuangan, eksposur maksimum statement of financial position, the maximum
terhadap risiko kredit sama dengan nilai exposure to credit risk equal to its carrying
tercatatnya. Untuk fasilitas kredit yang belum value. For unused credit facilities and bank
digunakan dan bank garansi yang diterbitkan, guarantees issued, the maximum exposure to
eksposur maksimum terhadap risiko kredit credit risk is a value that must be paid by the
adalah nilai yang harus dibayarkan oleh Bank Bank if liabilities for unused credit facilities and
jika kewajiban atas fasilitas kredit yang belum bank guarantees issued to happen.
digunakan dan bank garansi yang diterbitkan
terjadi.
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Tabel berikut menyajikan eksposur maksimum The following table presents the Bank's
Bank terhadap risiko kredit untuk instrumen maximum exposure to credit risk for financial
keuangan pada laporan posisi keuangan dan instruments in the statement of financial
rekening administratif, tanpa memperhitungkan position and balance sheet, regardless of the
agunan yang dimiliki atau perlindungan kredit collateral held or other credit protection:
lainnya:
2023 2022
Rp Rp
Laporan Posisi Keuangan: Statement of Financial Position:
Giro pada Bank Indonesia 1,154,460 1,039,002 Current Accounts with Bank Indonesia
Giro pada Bank Lain 106,592 178,054 Current Accounts with Other Banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan Bank Lain 2,096,269 1,625,415 and Other Banks
Efek-efek 2,755,787 1,177,813 Marketable Securities
Tagihan Derivatif 1 525 Derivatives Receivable
Tagihan atas Efek yang Receivable from Marketable
Dibeli dengan Securities Purchased under
Janji Dijual Kembali 3,098,592 4,620,857 Agreements to Resell
Kredit yang Diberikan 15,237,176 12,409,218 Loans
Aset Lainnya *) 856,715 229,076 Other Assets *)
Sub Jumlah 25,305,592 21,279,960 Sub Total
Rekening Administratif Off-Balance Sheet Accounts
Fasilitas Kredit kepada Nasabah yang Unused Loans Facilities
Belum Ditarik (1,010,842) (1,163,670) Granted
Bank Garansi yang Diterbitkan (129,238) (132,182) Bank Guarantees Issued
Sub Jumlah (1,140,080) (1,295,852) Sub Total
Jumlah 24,165,512 19,984,108 Total
*) Aset lainnya terdiri dari pendapatan yang masih akan *) Other assets consist of accrued interest income,
diterima, tagihan terkait dengan transaksi ATM, dan receivables relating to ATM transaction, and security
uang jaminan. deposits.
Bank menetapkan jenis dan nilai agunan yang The Bank sets the type and value of the
dijaminkan sesuai skema kredit. Jenis dari collateral pledged appropriate credit schemes.
agunan terdiri dari: Types of collateral consisting of:
a. Agunan utama yaitu terdiri dari: a. Main collateral, consists of:
(1) Agunan tunai antara lain terdiri dari (1) Cash collateral is comprised of
deposito, tabungan, giro, setoran deposits, savings, checking, margin
agunan tunai (margin deposit), dan deposit, and the like that issued and
sejenisnya yang diterbitkan dan retained by the Bank.
disimpan oleh Bank.
(2) Agunan utama non tunai adalah (2) The main non cash collateral is as
sebagai berikut: follows:
a. Tanah dan bangunan (termasuk a. Lands and buildings (including
apartemen) yang terletak di apartments) located in areas that
daerah yang marketable dan are marketable and growing.
berkembang.
b. Tanah kosong yang marketable b. Vacant lands that are marketable
dan berkembang. and growing.
c. Kendaraan bermotor dalam masa c. Motor vehicles in the productive
umur produktif dan marketable age and marketable at the time of
pada saat pengajuan kredit. credit application.
d. Mesin-mesin produksi, alat berat d. Production machines, heavy
(heavy equipment) yang dapat equipment that can be registered
didaftarkan secara fidusia. as a fiduciary.
e. Kapal laut (min. 20 m3) yang dapat e. Ships (min. 20 m3) which can be
dipasang hipotik. mounted to mortgages.
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Disamping agunan utama yang dapat In addition to the main collateral
diterima Bank, terdapat juga agunan acceptable to the Bank, there are also
tambahan (secondary collateral) di dalam secondary collateral in the credit granting
proses pemberian kredit, namun tidak process, but not taken into account in
diperhitungkan di dalam menghitung calculating the coverage ratio.
coverage ratio.
b. Jenis agunan tambahan dapat berupa b. Additional collateral types of collateral can
agunan fisik maupun agunan non fisik, be physical or non-physical collateral, as
antara lain: follows:
- Barang dagang dan/atau bahan baku. - Merchandise and/or raw materials.
- Piutang dagang. - Account receivable.
- Aktiva tetap lainnya. - Other fixed assets.
Proses penentuan peringkat kredit Bank The process of determining credit ratings of
membedakan eksposur untuk menentukan Bank distinguishes exposures to determine
eksposur mana yang memiliki faktor risiko which ones have the exposure factor greater
lebih besar dan tingkat kerugian potensial risk and potential loss rate is higher. The credit
yang lebih tinggi. Peringkat kredit rating of each debtor are reviewed regularly
setiap debitur ditelaah secara berkala and changes are implemented as soon as
dan perubahannya diimplementasikan possible. Credit ratings applied to each debtor
secepatnya. Peringkat kredit yang diterapkan also considers the credit quality of the
atas setiap debitur juga mempertimbangkan borrowers who have been determined by other
kualitas kredit dari debitur tersebut yang telah banks. For disbursement of funds to certain
ditentukan oleh bank-bank lain. Untuk debtors or counterparties, the credit rating is
penyaluran dana kepada debitur atau pihak carried out by also referring to the rating
lawan tertentu maka peringkat kredit dilakukan issued by an Independent Rating Agency
dengan juga merujuk kepada peringkat yang (external rating provider).
dikeluarkan oleh Lembaga Pemeringkat
Independen (external rating provider).
Pembagian aset keuangan berdasarkan Distribution of financial assets by credit quality
kualitas kreditnya disajikan di bawah ini: is presented below:
31 Desember/ December 31 , 2023
Belum Jatuh Mengalami Cadangan Jumlah/
Tempo atau Penurunan Kerugian Total
Tidak Nilai/ Penurunan
Mengalami Impaired Nilai/
Penurunan Nilai/ Allowance for
Not Yet Due Impairment
or Not Impaired Losses
Rp Rp Rp Rp
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain comprehensive income
Efek-efek 1,154,487 -- -- 1,154,487 Marketable Securities
Biaya Perolehan Diamortisasi Amortized Cost
Giro pada Current Accounts with
Bank Indonesia 1,154,460 -- -- 1,154,460 Bank Indonesia
Giro pada Current Accounts with
Bank Lain 106,592 -- (1) 106,591 Other Banks
Penempatan pada Bank Placements with Bank
Indonesia dan Bank Lain 2,096,269 -- -- 2,096,269 Indonesia and Other Banks
Efek-efek 1,601,300 -- -- 1,601,300 Marketable Securities
Tagihan Derivatif 1 -- -- 1 Derivatives Receivable
Tagihan atas Efek yang Receivable from Marketable
Dibeli dengan Securities Purchased under
Janji Dijual Kembali 3,098,592 -- -- 3,098,592 Agreements to Resell
Kredit yang Diberikan 15,147,109 90,067 (101,203) 15,135,973 Loans
Aset Lainnya *) 856,715 -- -- 856,715 Other Assets *)
Jumlah 25,215,525 90,067 (101,204) 25,204,388 Total
137
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
31 Desember/ December 31 , 2022
Belum Jatuh Mengalami Cadangan Jumlah/
Tempo atau Penurunan Kerugian Total
Tidak Nilai/ Penurunan
Mengalami Impaired Nilai/
Penurunan Nilai/ Allowance for
Not Yet Due Impairment
or Not Impaired Losses
Rp Rp Rp Rp
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain comprehensive income
Efek-efek 1,162,813 -- -- 1,162,813 Marketable Securities
Nilai wajar melalui Fair value through
laba rugi profit or loss
Biaya Perolehan Diamortisasi Amortized Cost
Giro pada Current Accounts with
Bank Indonesia 1,039,002 -- -- 1,039,002 Bank Indonesia
Giro pada Current Accounts with
Bank Lain 178,054 -- (13) 178,041 Other Banks
Penempatan pada Bank Placements with Bank
Indonesia dan Bank Lain 1,625,415 -- -- 1,625,415 Indonesia and Other Banks
Efek-efek 15,000 -- -- 15,000 Marketable Securities
Tagihan Derivatif 525 -- -- 525 Derivatives Receivable
Tagihan atas Efek yang Receivable from Marketable
Dibeli dengan Securities Purchased under
Janji Dijual Kembali 4,620,857 -- -- 4,620,857 Agreements to Resell
Kredit yang Diberikan 12,358,391 50,827 (79,534) 12,329,684 Loans
Aset Lainnya *) 229,076 -- -- 229,076 Other Assets *)
Jumlah 21,229,133 50,827 (79,547) 21,200,413 Total
*) Aset lainnya terdiri dari pendapatan yang masih akan *) Other assets consist of accrued interest income,
diterima, tagihan terkait dengan transaksi ATM, dan receivables relating to ATM transaction, and security
uang jaminan. deposits.
Bank melakukan evaluasi penurunan nilai aset The Bank assess impairment of financial
keuangan secara individual dan kolektif. assets individually and collectively. The Bank
Evaluasi secara individual dilakukan terhadap evaluates the impairment of financial assets
eksposur yang dinilai signifikan dan terdapat individually and collectively. An individual
bukti objektif adanya penurunan nilai. evaluation is carried out on exposures that are
Penurunan nilai secara kolektif dilakukan considered significant and where there is
terhadap kelompok aset keuangan yang objective evidence of impairment. Collective
sejenis yang penurunan nilainya tidak impairment is applied to groups of similar
dievaluasi secara individual dan/atau financial assets that are not individually
dievaluasi secara individual namun tidak evaluated for impairment and/or individually
terdapat bukti objektif penurunan nilai. evaluated but there is no objective evidence of
impairment.
Belum jatuh tempo dan tidak mengalami Not yet due and not impaired
penurunan nilai
Eksposur menunjukkan laba yang tinggi atau Exposure indicate a high or stable earnings,
stabil, modal dan likuiditas yang memadai, capital and liquidity are adequate, it is
secara umum tercermin dengan pembayaran generally reflected in the Bank's commitment
komitmen terhadap Bank secara tepat waktu. to the payment in a timely manner. Source of
Sumber pembayaran dapat diidentifikasi payment can be clearly identified.
secara jelas.
Mengalami penurunan nilai Impaired
Eksposur dengan peringkat kurang lancar, Exposures rated as substandard, doubtful and
diragukan dan macet dimana Bank telah loss which the Bank has determined that there
menentukan bahwa terdapat bukti objektif is objective evidence of impairment and the
penurunan nilai dan Bank tidak mengharapkan Bank does not expect to receive back the full
untuk menerima kembali seluruh nilai pokok value of unpaid principal and interest according
dan bunga tertunggak sesuai dengan to the contractual terms of the agreement.
persyaratan kontraktual dalam perjanjian.
Analisa Konsentrasi Kredit Credit Concentration Analysis
Konsentrasi risiko kredit timbul ketika sejumlah Concentration of credit risk arise when a
nasabah menjalankan kegiatan usaha yang number of customers running a similar
sejenis atau menjalankan kegiatan usaha business activities or carry out business
dalam wilayah geografis yang sama, atau activities in the same geographical area, or
138
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
ketika nasabah memiliki karakteristik yang when the customer has similar characteristics
sejenis yang akan menyebabkan kemampuan that would cause their ability to meet
mereka untuk memenuhi kewajiban contractual obligations similarly affected by
kontraktualnya secara serupa dipengaruhi oleh changes in economic conditions or other
perubahan kondisi ekonomi atau kondisi conditions.
lainnya.
Konsentrasi risiko kredit pada posisi keuangan Concentration of credit risk on the financial
berdasarkan jenis obligor: position based on the type of obligor:
31 Desember/ December 31, 2023
Pemerintah dan Bank/ Lembaga Perusahaan Perseorangan/ Jumlah/
Bank Indonesia/ Banks Keuangan Lainnya/ Individuals Total
Government Bukan Bank/ Non Other
and Bank Bank Financial Companies
Indonesia Institutions
Rp Rp Rp Rp Rp Rp
Giro pada Bank Indonesia/
Current Accounts with
Bank Indonesia 1,154,460 -- -- -- -- 1,154,460
Giro pada Bank Lain/
Current Accounts with
Other Banks -- 106,592 -- -- -- 106,592
Penempatan pada Bank Indonesia
dan Bank Lain/ Placements with
Bank Indonesia and Other Banks 2,096,269 -- -- -- -- 2,096,269
Efek-efek/Marketable Securities 2,740,787 -- -- 15,000 -- 2,755,787
Tagihan Derivatif/Derivatives
Receivable -- 1 -- -- -- 1
Tagihan atas Efek-efek yang Dibeli
dengan Janji Dijual Kembali/Receivable
from Securities Purchased under
Agreements to Resell 3,098,592 -- -- -- -- 3,098,592
Kredit yang Diberikan/ Loans -- 45 413,341 4,887,221 9,936,569 15,237,176
Aset Lainnya/ Other Assets *) 25,253 8,529 3,263 46,214 773,456 856,715
9,115,361 115,167 416,604 4,948,435 10,710,025 25,305,592
Dikurangi: Cadangan Kerugian
Penurunan Nilai/ Allowance for
Impairment Losses (101,204)
Jumlah/Total 25,204,388
31 Desember/ December 31, 2022
Pemerintah dan Bank/ Lembaga Perusahaan Perseorangan/ Jumlah/
Bank Indonesia/ Banks Keuangan Lainnya/ Individuals Total
Government Bukan Bank/ Non Other
and Bank Bank Financial Companies
Indonesia Institutions
Rp Rp Rp Rp Rp Rp
Giro pada Bank Indonesia/
Current Accounts with
Bank Indonesia 1,039,002 -- -- -- -- 1,039,002
Giro pada Bank Lain/
Current Accounts with
Other Banks -- 178,054 -- -- -- 178,054
Penempatan pada Bank Indonesia
dan Bank Lain/ Placements with
Bank Indonesia and Other Banks 1,625,415 -- -- -- -- 1,625,415
Efek-efek/Marketable Securities 1,162,813 -- -- 15,000 -- 1,177,813
Tagihan atas Efek-efek yang Dibeli
dengan Janji Dijual Kembali/Receivable
from Securities Purchased under
Agreements to Resell 4,620,857 -- -- -- -- 4,620,857
Kredit yang Diberikan/ Loans -- 21 334,975 4,602,176 7,472,046 12,409,218
Aset Lainnya/ Other Assets *) 17,850 20,620 4,795 15,129 170,682 229,076
8,465,937 198,695 339,770 4,632,305 7,642,728 21,279,435
Dikurangi: Cadangan Kerugian
Penurunan Nilai/ Allowance for
Impairment Losses (79,547)
Jumlah/Total 21,199,888
*) Aset lainnya terdiri dari pendapatan yang masih akan *) Other assets consist of accrued interest income,
diterima, tagihan terkait dengan transaksi ATM, dan receivables relating to ATM transaction, and security
uang jaminan. deposits.
139
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Konsentrasi risiko kredit pada rekening Concentration of credit risk on the balance
administratif berdasarkan jenis obligor: sheet based on the type of obligor:
31 Desember/ December 31, 2023
Bank/ Lembaga Perusahaan Perseorangan/ Jumlah/
Banks Keuangan Lainnya/ Individuals Total
Bukan Bank/ Non Other
Bank Financial Companies
Institutions
Rp Rp Rp Rp Rp
Fasilitas Kredit kepada Nasabah
yang Belum Ditarik/Unused
Loans Facilities Granted 1,955 39,537 795,588 173,762 1,010,842
Bank Garansi yang Diterbitkan/
Bank Guarantees Issued -- -- 103,863 25,375 129,238
Jumlah/Total 1,955 39,537 899,451 199,137 1,140,080
31 Desember/ December 31, 2022
Bank/ Lembaga Perusahaan Perseorangan/ Jumlah/
Banks Keuangan Lainnya/ Individuals Total
Bukan Bank/ Non Other
Bank Financial Companies
Institutions
Rp Rp Rp Rp Rp
Fasilitas Kredit kepada Nasabah
yang Belum Ditarik/Unused
Loans Facilities Granted 1,976 35,034 905,567 221,093 1,163,670
Bank Garansi yang Diterbitkan/
Bank Guarantees Issued -- -- 29,400 102,782 132,182
Jumlah/Total 1,976 35,034 934,967 323,875 1,295,852
Konsentrasi risiko kredit dari kredit yang Concentration of credit risk of loans by type of
diberikan berdasarkan jenis kredit, valuta, dan loan, currency, and economic sector disclosed
sektor ekonomi diungkapkan pada Catatan 10. in Note 10.
b. Risiko Likuiditas b. Liquidity Risk
Risiko likuiditas berhubungan dengan kerugian Liquidity risk relates to losses arising from the
yang timbul disebabkan karena Bank tidak Bank’s inability to fulfill its obligations when
mampu memenuhi kewajibannya pada saat they reach maturity, namely to depositors,
jatuh tempo yaitu kepada deposan, investor investors and creditors, among others due to
dan kreditur, yang diantaranya disebabkan limited access to funding or the inability to
keterbatasan akses pendanaan atau liquidate assets held at a fair price. Liquidity
ketidakmampuan untuk melikuidasi aset yang risk management is one of the most important
dimiliki dengan harga yang wajar. Pengelolaan activities carried out by the Bank. This liquidity
risiko likuiditas merupakan salah satu aktivitas risk management aims to minimize the
terpenting yang dilakukan oleh Bank. possibility of the Bank’s inability to obtain cash
Pengelolaan risiko likuiditas ini bertujuan untuk flow funding sources. Management and
meminimalkan kemungkinan ketidakmampuan monitoring by the Board of Directors related to
Bank dalam memperoleh sumber pendanaan liquidity risk is carried out through the Assets
arus kas. Pengelolaan dan pemantauan oleh and Liabilities Committee (ALCO) which is
Direksi terkait risiko likuiditas dilaksanakan actively involved in planning, approval, review
melalui Komite Aset dan Liabilitas (ALCO) and review of all liquidity risks.
yang secara aktif terlibat dalam perencanaan,
persetujuan, peninjauan kembali dan
pengkajian seluruh risiko likuiditas.
Bank senantiasa menjaga likuiditas dengan The Bank always maintains liquidity by
mempertahankan jumlah aset likuid yang preserving a sufficient amount of liquid assets
cukup untuk membayar simpanan para to pay customer deposits, and keeping the
nasabah, dan menjaga agar jumlah kewajiban amount of liabilities maturing in each period at
yang jatuh tempo pada setiap periode berada a controlled level. The process of monitoring
dalam tingkat yang terkendali. Proses liquidity risk also pays attention to the
140
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
pemantauan risiko likuiditas juga behaviour of fluctuations in third party funds,
memperhatikan perilaku fluktuasi dana pihak which is useful in measuring liquidity risk
ketiga, yang berguna dalam pengukuran risiko assuming normal and worst conditions, hence
likuiditas dengan asumsi kondisi normal the plans and simulations for handling
maupun terburuk (worst), sehingga rencana conditions that are projected to occur can be
dan simulasi penanganan atas kondisi yang carried out appropriately. Throughout 2023,
diproyeksikan terjadi dapat dilakukan secara the liquidity risk management function is
tepat. Sepanjang tahun 2023, fungsi carried out through the Assets and Liabilities
pengelolaan risiko likuiditas dilakukan melalui Committee (ALCO) which holds regular
Komite Aset dan Liabilitas (ALCO) yang (monthly) meetings. ALCO functions to
mengadakan pertemuan secara rutin manage and monitor the structure of assets
(bulanan). ALCO berfungsi untuk mengelola and liabilities, liquidity as well as to formulate
dan memonitor struktur aktiva dan kewajiban, funding and pricing strategies for the Bank.
likuiditas serta membuat strategi pendanaan
dan pricing Bank.
Pemantauan likuiditas Bank dilakukan secara The Bank’s liquidity monitoring is carried out
berkala dimana pemantauan tersebut on a regular basis where the monitoring
mencakup rasio-rasio aset likuid, konsentrasi includes liquid asset ratios, concentration of
Dana Pihak Ketiga (DPK), ketergantungan third party funds, dependence on large
pada deposan besar, profil jatuh tempo aset depositors, maturity profile of assets and
dan kewajiban (maturity profile), evaluasi atas liabilities (maturity profile), monitoring of
kapasitas peminjaman dari pihak lawan cumulative liquidity gaps, evaluation of
(borrowing capacity), pemenuhan Giro Wajib borrowing capacity from counterparties
Minimum (GWM), komposisi pinjaman (borrowing capacity), fulfillment of minimum
dibandingkan dengan dana pihak ketiga, statutory reserves, loan composition compared
jangka waktu aset, core/non core dana pihak to third party funds, asset period, core/non-
ketiga dan lain sebagainya. Bank telah core third party funds and so on. The Bank has
memiliki pemantauan Early Warning System an early warning system monitoring that is
(EWS) yang dilakukan secara harian sebagai carried out on a daily basis as part of early
bagian dari deteksi dini atas penurunan detection of a decline in liquidity risk indicators.
indikator-indikator risiko likuiditas. Bank juga The Bank also has provisions that regulate the
telah memiliki ketentuan yang mengatur Funding Management Plan in an emergency
tentang Rencana Penanganan Pendanaan condition known as the Contingency Funding
dalam kondisi darurat yang dikenal sebagai Plan. The Contingency Funding Plan includes
Contingency Funding Plan (CFP). Contingency policies, strategies, procedures and action
Funding Plan (CFP) mencakup kebijakan, plans to ensure the Bank’s ability to obtain the
strategi, prosedur dan rencana tindak (action required funding sources in a timely manner at
plan) untuk memastikan kemampuan Bank a reasonable cost. Liquidity risk monitoring
dalam memperoleh sumber pendanaan yang carried out by the Bank pays attention to early
diperlukan secara tepat waktu dengan biaya warning indicators to determine the potential
yang wajar. Pemantauan risiko likuiditas yang for increased risk, determination and
dilakukan Bank memperhatikan indikator monitoring of risk limits by considering the
peringatan dini untuk mengetahui potensi complexity of assets and liabilities. When a risk
peningkatan risiko, penetapan dan arises, the selection of the appropriate method
pemantauan limit risiko dengan turut of dealing with it depends on the level of risk,
mempertimbangkan seberapa cepat suatu the funding capacity for each currency, and the
aset dapat dijadikan kas atau setara kas speed with which the unit responsible for
maupun komposisi dari aset dan kewajiban obtaining funding can overcome the crisis.
Bank. Ketika risiko muncul, pemilihan metode
yang tepat dalam mengatasinya tergantung
pada tingkat risiko, kemampuan pendanaan
untuk setiap mata uang, kecepatan unit yang
bertanggung jawab dalam memperoleh
pendanaan dalam mengatasi krisis.
141
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Dalam pengelolaan risiko likuiditas yang In managing liquidity risk, among others, the
antara lain disebabkan Bank tidak mampu Bank is unable to fulfill its obligations to
memenuhi kewajiban kepada nasabah atau customers or counterparties that have fallen
counterparty yang telah jatuh waktu. Beberapa due. Several strategies taken by the Bank to
strategi yang dilakukan Bank untuk anticipate this are, among others:
mengantisipasi hal tersebut adalah antara lain:
1. Melakukan portofolio investasi ke arah 1. Carry out an investment portfolio towards
instrumen yang lebih likuid. more liquid instruments.
2. Meningkatkan efektivitas pengelolaan gap 2. Increase the effectiveness of liquidity gap
likuiditas (maturity gap, proyeksi cash flow) management (maturity gap, cash flow
untuk mengantisipasi risiko likuiditas sedini projections) to anticipate liquidity risk as
mungkin. early as possible.
3. Memastikan adanya sebaran dana yang 3. Ensuring a wide distribution of funds by
terdiversifikasi secara memadai dengan limiting concentration to large funds thereby
membatasi konsentrasi kepada dana reducing the potential risk of dependence
besar sehingga mengurangi adanya on large funds.
potensi risiko ketergantungan pada dana
besar.
4. Meningkatkan kerjasama dengan Bank 4. Increase cooperation with other banks in
Lain agar dapat memanfaatkan fasilitas order to take advantage of Call Money and
Call Money maupun Repo Surat Berharga Securities Repo facilities with Global
dengan mekanisme perjanjian Global Master Repo Agreement (GMRA)
Master Repo Agreement (GMRA). agreement mechanism.
Pengelolaan likuiditas Bank ditekankan pada The Bank liquidity management emphasized
penyesuaian arus dana masuk dan keluar. on the adjustment of the inflow and outflow of
Kesenjangan arus dana diantisipasi melalui funds. The gap in cash flows has been
pemeliharaan aset produktif yang likuid dan anticipated by maintenance of liquid and
memadai sejalan dengan perkiraan arus kas adequate earning asset in line with the
serta struktur kewajiban yang ada. forecast of cash flow and existing structure of
Pemeliharaan aset produktif yang likuid terdiri liabilities. Liquid productive asset maintenance
dari pemeliharaan cadangan wajib (reserve consists of maintenance of reserve
requirement) seperti yang ditetapkan oleh requirement set by Bank Indonesia and
Bank Indonesia serta pemeliharaan efek-efek maintenance of short term marketable
berjangka pendek yang sangat likuid seperti securities such as Deposit Facility Bank
Deposit Facility Bank Indonesia, Term Deposit Indonesia, Term Deposit Bank Indonesia, and
Bank Indonesia, dan lain sebagainya. Bank others. The Bank also maintains allowance of
juga memelihara cadangan aset produktif yang others liquid productive assets consisting of
likuid lainnya, terdiri dari penempatan dana short term current accounts with other banks
jangka pendek di bank lain serta efek-efek and long term liquid marketable securities
berjangka panjang yang likuid seperti surat such as government bonds.
utang negara.
Pengelolaan likuiditas juga dilakukan melalui Liquidity management is also carried out
pengelolaan struktur sumber dana dengan through management of the structure of
melakukan pemantauan konsentrasi deposan funding sources by conduct monitoring
dan berusaha mengurangi ketergantungannya depositor and trying to reduce its dependence
pada dana mahal seperti deposito dan on costly funds such as deposits and replace
menggantinya dengan sumber dana murah them with cheaper funding such as demand
seperti giro dan tabungan. Bank juga deposits and saving deposits. Bank’s also
senantiasa mengurangi ketergantungan pada continues to reduce dependence on
dana besar (wholesale) dan berfokus pada wholesale funds and focuses on retail fund
pertumbuhan dana ritel. Selain itu, Bank growth. In addition, the Bank continues to
senantiasa memelihara kemampuan maintain the ability to access the money
melakukan akses ke pasar uang, dengan market, by always maintaining relationships
selalu memelihara hubungan dengan with correspondent banks. The Bank
bank-bank koresponden. Bank secara berkala periodically reviews the entire situation above
meninjau seluruh keadaan di atas sekaligus and also take action to diversify ways of
142
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
mengambil tindakan guna mendiversifikasikan funding. The Bank also has provisions
cara pendanaan. Bank juga telah memiliki regarding the Liquidity Contingency Plan
ketentuan mengenai Liquidity Contingency (LCP) which are intended to anticipate a sharp
Plan (LCP) yang ditujukan guna decline in liquidity conditions (emergency
mengantisipasi adanya penurunan kondisi conditions).
likuiditas yang tajam (kondisi darurat).
Pada tahun 2023 dan 2022, Bank telah In 2023 and 2022, the Bank has provided
menyediakan aset likuid yang cukup untuk sufficient liquid assets to anticipate short-term
mengantisipasi liabilitas jangka pendek, arus liabilities, net cash flow can be regulated, is
kas bersih dapat diatur dengan baik, cukup good enough and easy enough to gain access
baik dan cukup mudah untuk memperoleh to sources of money market funds.
akses sumber dana pasar uang.
Tabel jatuh tempo berikut ini menyajikan The following table presents maturity
informasi mengenai perkiraan jatuh tempo dari information on estimated maturities of assets
aset dan liabilitas sesuai kontrak menjadi arus and liabilities under the contract to be cash
kas masuk atau keluar. inflows or outflows.
31 Desember/ December 31, 2023
Jumlah/ Tidak Mempunyai s/d 1 Bulan/ 1 s/d 3 Bulan/ 3 s/d 6 Bulan/ 6 s/d 12 Bulan/ > 12 Bulan/
Total Kontrak Until 1 Month 1 until 3 3 Until 6 6 Until 12 > 12 Months
Jatuh Tempo/ Months Months Months
No
Contractual
Maturity
Rp Rp Rp Rp Rp Rp Rp
ASET
Kas/Cash 157,297 157,297 -- -- -- -- --
Giro pada Bank Indonesia/ Current
Accounts with Bank Indonesia 1,154,460 1,154,460 -- -- -- -- --
Giro pada Bank Lain/ Current
Accounts with Other Banks 106,592 106,592 -- -- -- -- --
Penempatan pada Bank Indonesia
dan Bank Lain/ Placements with
Bank Indonesia and Other Banks 2,096,269 -- 2,019,284 76,985 -- -- --
Efek-efek/Marketable Securities 2,755,787 -- -- -- -- -- 2,755,787
Tagihan Derivatif/
Derivatives Receivable 1 -- 1 -- -- -- --
Tagihan atas Efek-efek yang Dibeli
dengan Janji Dijual Kembali/
Receivable from Marketable Securities
Purchased under Agreements to Resell 3,098,592 -- 1,968,809 954,427 -- 175,356 --
Kredit yang Diberikan/Loans 15,237,176 -- 664,167 957,704 664,925 2,089,966 10,860,414
Aset Lainnya/Other Assets *) 856,715 -- 856,715 -- -- -- --
Sub Jumlah/Sub Total 25,462,889 1,418,349 5,508,976 1,989,116 664,925 2,265,322 13,616,201
Cadangan Kerugian
Penurunan Nilai/Allowance for
Impairment Losses (101,204)
Jumlah/Total 25,361,685
LIABILITAS
Simpanan Nasabah/
Deposits from Customers 17,875,533 7,286,340 6,335,689 3,419,785 675,692 158,027 --
Simpanan dari Bank Lain/
Deposits from Other Banks 574,934 92,434 473,500 9,000 -- -- --
Liabilitas Derivatif/
Derivatives Liabilities 969 969 -- -- -- -- --
Liabilitas atas Efek-efek yang Dijual
dengan Janji Dibeli Kembali/Liabilities
from Marketable Securities Sold under
Agreements to Repurchase 4,502,329 -- 4,239,129 263,200 -- -- --
Utang Pajak/Taxes Payable 42,989 -- 42,989 -- -- -- --
Liabilitas Lain-lain/
Other Liabilities **) 158,585 52,200 87,578 14,442 3,553 812 --
Jumlah/Total 23,155,339 7,431,943 11,178,885 3,706,427 679,245 158,839 --
Perbedaan Jatuh Tempo/
Differences In Maturity 2,307,550 (6,013,594) (5,669,909) (1,717,311) (14,320) 2,106,483 13,616,201
Posisi Neto Setelah Cadangan
Kerugian Penurunan Nilai/
Net Positions After Allowance for
Impairment Losses 2,206,346
143
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
31 Desember/ December 31, 2022
Jumlah/ Tidak Mempunyai s/d 1 Bulan/ 1 s/d 3 Bulan/ 3 s/d 6 Bulan/ 6 s/d 12 Bulan/ > 12 Bulan/
Total Kontrak Until 1 Month 1 until 3 3 Until 6 6 Until 12 > 12 Months
Jatuh Tempo/ Months Months Months
No
Contractual
Maturity
Rp Rp Rp Rp Rp Rp Rp
ASET
Kas/Cash 189,892 189,892 -- -- -- -- --
Giro pada Bank Indonesia/ Current
Accounts with Bank Indonesia 1,039,002 1,039,002 -- -- -- -- --
Giro pada Bank Lain/ Current
Accounts with Other Banks 178,054 178,054 -- -- -- -- --
Penempatan pada Bank Indonesia
dan Bank Lain/ Placements with
Bank Indonesia and Other Banks 1,625,415 -- 1,625,415 -- -- -- --
Efek-efek/Marketable Securities 1,177,813 -- -- -- -- -- 1,177,813
Tagihan atas Efek-efek yang Dibeli
dengan Janji Dijual Kembali/
Receivable from Marketable Securities
Purchased under Agreements to Resell 4,620,857 -- 4,620,857 -- -- -- --
Kredit yang Diberikan/Loans 12,409,218 -- 927,489 796,876 625,447 1,100,973 8,958,433
Aset Lainnya/Other Assets *) 229,078 -- 229,078 -- -- -- --
Sub Jumlah/Sub Total 21,469,329 1,406,948 7,402,839 796,876 625,447 1,100,973 10,136,246
Cadangan Kerugian
Penurunan Nilai/Allowance for
Impairment Losses (79,547)
Jumlah/Total 21,389,782
31 Desember/ December 31, 2022
Jumlah/ Tidak Mempunyai s/d 1 Bulan/ 1 s/d 3 Bulan/ 3 s/d 6 Bulan/ 6 s/d 12 Bulan/ > 12 Bulan/
Total Kontrak Until 1 Month 1 until 3 3 Until 6 6 Until 12 > 12 Months
Jatuh Tempo/ Months Months Months
No
Contractual
Maturity
Rp Rp Rp Rp Rp Rp Rp
LIABILITAS
Simpanan Nasabah/
Deposits from Customers 15,075,980 6,768,917 5,399,036 2,433,512 328,392 143,623 2,500
Simpanan dari Bank Lain/
Deposits from Other Banks 561,234 83,531 477,703 -- -- -- --
Liabilitas Derivatif/
Derivatives Liabilities 1,287 1,287 -- -- -- -- --
Liabilitas atas Efek-efek yang Dijual
dengan Janji Dibeli Kembali/Liabilities
from Marketable Securities Sold under
Agreements to Repurchase 4,275,913 -- 4,275,913 -- -- -- --
Utang Pajak/Taxes Payable 26,670 -- 26,670 -- -- -- --
Liabilitas Lain-lain/
Other Liabilities **) 124,178 88,858 24,909 8,636 1,442 331 2
Jumlah/Total 20,065,262 6,942,593 10,204,231 2,442,148 329,834 143,954 2,502
Perbedaan Jatuh Tempo/
Differences In Maturity 1,404,067 (5,535,645) (2,801,392) (1,645,272) 295,613 957,019 10,133,744
Posisi Neto Setelah Cadangan
Kerugian Penurunan Nilai/
Net Positions After Allowance for
Impairment Losses 1,324,520
*) Aset lainnya terdiri dari pendapatan yang masih *) Other assets consist of accrued interest income,
akan diterima, tagihan terkait dengan transaksi receivables relating to ATM transaction, and security
ATM, dan uang jaminan. deposits.
**) Liabilitas lainnya terdiri dari akrual bunga, liabilitas **) Other liabilities consist of accrued interest expenses,
terkait dengan transaksi ATM, dan sebagian dari liabilities relating to ATM transaction, and part of
liabilitas lainnya. other liabilities.
c. Risiko Pasar c. Market Risk
Manajemen risiko pasar meliputi pengelolaan Market risk management includes the
dan pengawasan semua risiko yang dihadapi management and supervision of all risks faced
Bank akibat dari pergerakan dari faktor pasar by the Bank as a result of movements in
(suku bunga dan nilai tukar). Risiko pasar market factors (interest rates and exchange
terjadi akibat adanya pergerakan variabel rates). Market risk occurs due to movements in
pasar berupa suku bunga dan nilai tukar yang market variables in the form of interest rates
bergerak berlawanan dengan (adverse and exchange rates that move against
movement) dari portofolio yang dimiliki Bank. (adverse movement) of the Bank’s portfolio.
Risiko pasar antara lain terdapat pada aktivitas Market risk includes, among others, the Bank’s
fungsional Bank seperti kegiatan Treasury dan functional activities such as Treasury activities
investasi dalam bentuk surat berharga dan and investments in securities and money
pasar uang. Di sisi lain risiko pasar juga dapat markets. On the other hand, market risk can
timbul dari aktivitas pendanaan dan also arise from funding activities and
penyaluran dana akibat perubahan komposisi disbursement of funds due to changes in the
neraca perusahaan (balance sheet) yang composition of the Bank’s balance sheet which
144
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
dapat berdampak kepada pendapatan bunga can have an impact on net interest income and
bersih maupun nilai perusahaan yang dikenal Bank value, which is known as interest rate
sebagai risiko suku bunga di banking book. risk in the banking book. To maximize the rate
Guna memaksimalkan tingkat imbal hasil of return by taking into account the risks that
dengan memperhatikan risiko yang timbul, arise, the Bank’s securities portfolio is
maka portofolio surat berharga Bank allocated based on sources from third party
dialokasikan berdasarkan sumber dari dana funds or from Bank capital as part of the
pihak ketiga maupun dari modal perusahaan overall balance sheet management.
sebagai bagian dari pengelolaan neraca Management and monitoring by the Board of
(balance sheet) secara keseluruhan. Directors regarding market risk for both trading
Pengelolaan dan pemantauan oleh Direksi positions and the banking book is carried out
terkait risiko pasar baik untuk posisi trading through the Assets and Liabilities Committee
dan banking book dilakukan melalui Komite (ALCO) which is actively involved in planning,
Aset dan Liabilitas (ALCO) yang secara aktif approval, review and assessment of all market
terlibat dalam perencanaan, persetujuan, risks. In carrying out its activities, the Bank’s
peninjauan kembali dan pengkajian seluruh risk exposure that arises is limited by the
risiko pasar. Dalam melakukan aktivitasnya, existence of risk appetite and risk tolerance
eksposur risiko Bank yang timbul senantiasa limits which are then translated into operational
dipantau dan dipastikan masih berada di limits in the form of market risk limits such as
dalam koridor batasan risk appetite dan risk Portfolio Limits, Dealer Limits, Trigger Loss,
tolerance yang telah ditetapkan. Batasan Tenor Limits, Minimum Holding, Sensitivity,
tersebut kemudian dijabarkan dalam bentuk Net Open Position (NOP) etc, to ensure the
limit-limit yang bersifat operasional berupa amount of market risk exposure that arises can
limit-limit risiko pasar seperti Portfolio Limit, still be absorbed by the existing level of capital.
Dealer Limit, Trigger Loss, Tenor Limit,
Minimum Holding, Sensitivity, Net Open
Position (NOP) dan lain sebagainya, guna
memastikan besarnya eksposur risiko pasar
yang timbul masih dapat di serap oleh tingkat
permodalan yang ada.
Manajemen risiko pasar dilakukan dengan Market risk management is carried out by
menerapkan prinsip segregation of duties, applying the principle of segregation of duties,
dimana terdapat pemisahan antara fungsi front where there is a separation between the
end (Treasury Group), middle end (Risk Middle functions of the front end (Treasury Group),
Office) dan back end (Treasury Back Office). middle end (Risk Middle Office) and back end
Pemantauan eksposur risiko dan kepatuhan (Treasury Back Office). Monitoring of risk
terhadap limit-limit risiko dilakukan oleh unit exposure and compliance with risk limits is
independen yaitu unit Market and Liquidity carried out by an independent unit, namely the
Risk yang juga membawahi fungsi Risk Middle Market and Liquidity Risk unit which also
Office di bawah organisasi Divisi Market, oversees the Risk Middle Office function under
Liquidity, and Integrated Risk Management the Risk Management Division, which is
yang terpisah dari fungsi Treasury Front separate from the Treasury Front Office
Office. Sedangkan proses aktivitas function. Meanwhile, the process of
pembukuan dan penyelesaian (settlement) bookkeeping and settlement of Treasury
transaksi Treasury dilakukan oleh unit yang transactions is carried out by the unit in charge
membidangi Treasury Back Office. of the Treasury Back Office.
Pengelolaan risiko suku bunga dilakukan Interest rate risk management is carried out on
terhadap posisi instrumen keuangan dalam the position of financial instruments in the
trading book maupun banking book. Risiko trading book and banking book. Market risk in
pasar dalam trading book diukur dengan the trading book is measured by various
berbagai metodologi antara lain analisa methodologies, including sensitivity analysis
sensitivitas dan penetapan limit-limit seperti and setting limits such as portfolio limits and
limit portofolio dan stop loss limit. Sedangkan stop loss limits. Meanwhile in the banking
pada banking book, risiko suku bunga dikelola book, interest rate risk is managed by
dengan melakukan analisa Interest Rate Risk analysing the Interest Rate Risk in Banking
in Banking Book (IRRBB). Analisa dilakukan Book (IRRBB). The analysis is conducted to
untuk mengukur dampak perubahan suku measure the impact of changes in interest
145
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
bunga terhadap nilai ekonomis dari ekuitas rates on the economic value of equity and to
(economic value of equity) dan mengukur measure the impact of changes in interest
dampak perubahan suku bunga terhadap rates on the profitability (earnings) of the Bank.
rentabilitas (earning) Bank. Dalam pengelolaan In managing trading book market risk, the
risiko pasar trading book, Bank menetapkan Bank establishes the principle of segregation
prinsip segregation of duties. Terdapat of duties. There is a separation of functions
pemisahan fungsi antara pihak yang between parties conducting transactions,
melakukan transaksi, yang melakukan recording transactions, verification, policy-
pencatatan transaksi, verifikasi, unit pembuat making units, procedures and setting limits as
kebijakan, prosedur dan penetapan limit serta well as measuring market risk. The Bank
pengukuran risiko pasar. Bank melakukan calculates the CAR for market risk using the
perhitungan Kewajiban Pemenuhan Modal standard model as a component for calculating
Minimum (KPMM) untuk risiko pasar dengan the CAR in accordance with the applicable
menggunakan model standar sebagai regulatory provisions.
komponen perhitungan KPMM sesuai
ketentuan regulator yang berlaku.
Dalam usaha untuk memperoleh imbal hasil To obtain optimal returns, the Securities
yang optimal maka Surat Berharga yang owned by the Bank, apart from being placed in
dimiliki Bank selain ditempatkan pada surat securities owned by the Government and Bank
berharga milik Pemerintah dan Bank Indonesia, are also placed in corporate
Indonesia, juga ditempatkan surat berharga securities, both state-owned and private.
korporasi baik BUMN maupun swasta. Purchases of corporate bonds are always
Pembelian obligasi korporasi senantiasa considered carefully and selectively by placing
dipertimbangkan secara matang dan selektif them in companies with good ratings and
yaitu ditempatkan pada perusahaan- reputations. Placement of securities is mainly
perusahaan dengan peringkat dan reputasi allocated in the trading book (trading),
yang baik. Penempatan surat berharga available for sale (Available For Sale/AFS) and
utamanya dialokasikan dalam buku held to maturity (Hold To Maturity/HTM) books.
perdagangan (trading), buku tersedia untuk Valuation is carried out daily on actively traded
dijual (Available For Sale/AFS) dan dimiliki securities based on reliable market price
hingga jatuh tempo (Hold To Maturity/HTM). sources, including the Indonesia Bond Pricing
Valuasi dilakukan secara harian atas surat Agency (IBPA) and also taking into account
berharga yang aktif diperdagangkan other reference sources such as Reuters and
berdasarkan sumber harga pasar yang dapat Bloomberg, while for foreign exchange
diandalkan (reliable) antara lain Penilai Harga transactions the source is obtained from the
Efek Indonesia (PHEI) serta final closing rate. days issued by Bank
mempertimbangkan pula sumber acuan Indonesia and from other sources in credible
lainnya seperti Refinitiv dan Bloomberg, markets such as Reuters and so on. The
sedangkan untuk transaksi valas sumber application of the fair price assessment
diperoleh dari kurs penutupan akhir hari yang process for assets exposed to market risk is
dikeluarkan oleh Bank Indonesia dan dari carried out consistently and always pays
sumber-sumber lainnya di pasar yang kredibel attention to and complies with applicable
seperti Refinitiv dan sebagainya. Penerapan regulations.
proses penilaian harga wajar aset yang
terekspos risiko pasar dilakukan secara
konsisten serta senantiasa memperhatikan
dan memenuhi peraturan yang berlaku.
Secara umum rasio Posisi Devisa Neto (PDN) In general, the ratio of the Net Open Position
terhadap modal Bank adalah minimal. (NOP) to the Bank’s capital is minimal. Market
Eksposur risiko pasar yang timbul dari posisi risk exposure arising from foreign exchange
valuta asing (valas) senantiasa dijaga pada (forex) positions is always maintained at a
tingkat posisi terbuka yang minimal minimum level of open positions (square) and
(square) dan utamanya hanya untuk primarily only to meet customer needs
memenuhi kebutuhan nasabah (customer (customer accommodation). This strategy
accommodation). Strategi ini mengakibatkan results in the Bank being spared from
Bank terhindar dari paparan risiko yang significant risk exposure due to fluctuations in
signifikan akibat fluktuasi kurs mata uang foreign exchange rates. In monitoring global
146
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
asing. Dalam memantau kondisi perekonomian and domestic economic conditions, the Risk
global maupun dalam negeri maka Management Committee (KMR) and ALCO
pelaksanaan rapat Komite Manajemen Risiko meetings during 2023 have been held regularly
dan Kebijakan Perkreditan serta ALCO selama (monthly).
tahun 2023 telah diadakan rutin secara
bulanan.
d. Risiko Suku Bunga d. Interest Rate Risk
Risiko tingkat bunga adalah risiko Interest rate risk is the risk of possible decline
kemungkinan turunnya pendapatan bunga in net interest income and market value of the
bersih dan nilai pasar portofolio aset akibat portfolio of assets due to changes in interest
perubahan tingkat bunga di pasar uang. Oleh rates in the money market. Because assets
karena aset dan liabilitas seperti giro pada and liabilities as current accounts with other
bank lain, investasi dalam bentuk efek-efek, banks, investments in marketable securities,
pinjaman, giro, tabungan, deposito dan loans, current accounts, savings deposits, time
sertifikat deposito, pinjaman yang diterima, deposits and certificates of deposits,
dan liabilitas pasar uang lainnya memiliki borrowings, and liabilities other financial
berbagai tingkat bunga dan jangka waktu, markets have different interest rate and term,
perubahan-perubahan pada tingkat bunga the changes on the interest rate may result in
dapat mengakibatkan kenaikan atau an increase or decrease in net interest
penurunan pendapatan bunga bersih. income.
Analisis repricing gap adalah untuk mengukur The repricing gap analysis is to measure the
beda antara aset produktif (earning assets) difference between earning assets and
dengan kewajiban berbunga (interest bearing interest bearing liabilities based on the period
liabilities) berdasarkan jangka waktu kapan of time when the instrument is reprice to be
instrumen tersebut dievaluasi kembali linked to the interest margin due to changes in
harganya (reprice) untuk kemudian the interest rate. Interest rate or sensitivity
dihubungkan dampaknya terhadap marjin risks arise if the price period of productive
bunga akibat perubahan tingkat bunga. Risiko assets is reprice differ significantly from
tingkat bunga atau sensitivitas timbul apabila reprice of interest liabilities.
jangka harga aset produktif dievaluasi kembali
(reprice) berbeda secara signifikan dengan
reprice kewajiban berbunga.
Dalam menghadapi kemungkinan adanya In circumstances of a possible imbalance of
ketidakseimbangan aset dan liabilitas, asset and liability, Bank management through
manajemen Bank, melalui mekanisne rapat mechanism of monthly ALCO meetings,
ALCO bulanan, selalu melakukan reviu always do a review of some of the things that
beberapa hal yang sifatnya sangat strategis, is very strategic, among others:
antara lain:
a. Pengelolaan pendanaan (funding) yang a. Management of funding which has a
memiliki jatuh tempo tidak seimbang; maturity of not balanced;
b. Ketepatan pengelolaan aset dan liabilitas b. Accuracy management of assets and
yang memiliki sensitivitas terhadap liabilities that have a sensitivity to interest
perubahan suku bunga; rate changes;
c. Analisis dana pihak ketiga yang c. Analysis of third party funds that illustrate
menggambarkan tren berbagai produk trends of various products of third party
dana pihak ketiga; funds;
d. Penempatan dana pada portofolio d. Placement of funds in a portfolio of
efek-efek; securities;
e. Laporan perkembangan kredit yang ada e. The report credits the development of
dan yang baru; existing and new;
f. Strategi penetapan harga sesuai dengan f. After pricing strategy with current market
kondisi pasar saat ini; dan conditions; and
g. Perbandingan target dengan realisasi g. Comparison with the realization of the
dana pihak ketiga. target of third party funds.
147
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Tabel di bawah ini menyajikan aset berbunga The table below presents the interest assets
dan liabilitas berbunga (bukan untuk tujuan and interest liabilities (not for trading
diperdagangkan) Bank pada nilai tercatat, purposes) Bank at carrying value, based on
berdasarkan jangka waktu kontraktual, adalah the contractual time period, are as follows:
sebagai berikut:
31 Desember/ December 31, 2023
Bunga Mengambang/Floating Interest Bunga Tetap/ Fixed Interest
≤ 1 bulan/ 1 - 3 bulan/ 3 bulan - > 1 tahun/ ≤ 1 bulan/ 1 - 3 bulan/ 3 bulan - > 1 tahun/ Jumlah/
≤ 1 months 1 - 3 months 1 tahun/ > 1 year ≤ 1 months 1 - 3 month 1 tahun/ >1 year Total
3 months - 3 months -
1 year 1 year
Rp Rp Rp Rp Rp Rp Rp Rp Rp
ASET/ ASSETS
Giro pada Bank Indonesia/
Current Accounts with 1,154,460 -- -- -- -- -- -- -- 1,154,460
Bank Indonesia
Giro pada Bank Lain/
Current Accounts with
Other Banks 106,592 -- -- -- -- -- -- -- 106,592
Penempatan pada Bank
Indonesia dan Bank Lain/
Placements with Bank
Indonesia dan Other Banks -- -- -- -- 2,019,284 76,985 -- -- 2,096,269
Efek-efek/Marketable
Securities -- -- -- -- -- -- -- 2,755,787 2,755,787
Tagihan atas Efek-efek yang
Dibeli dengan Janji Dijual
Kembali/ Receivable from
Marketable Securities Purchased
under Agreements to Resell -- -- -- -- 1,968,809 954,427 175,356 -- 3,098,592
Kredit yang Diberikan/Loans 499,554 561,702 1,890,505 3,243,838 277,567 33,873 91,721 6,138,413 12,737,173
Jumlah Aset Keuangan/
Total Financial Assets 1,760,606 561,702 1,890,505 3,243,838 4,265,660 1,065,285 267,077 8,894,200 21,948,873
LIABILITAS/ LIABILITIES
Simpanan Nasabah/Deposit
from Customers
Giro/Current Accounts -- -- -- -- 4,772,434 -- -- -- 4,772,434
Tabungan/Saving Accounts -- -- -- -- 1,343,680 -- -- -- 1,343,680
Deposito/ Time Deposits 5,638,152 2,187,265 519,104 2,500 8,347,021
Simpanan dari Bank Lain/
Deposits from Other Banks -- -- -- -- 1,083,586 1,000 -- -- 1,084,586
Liabilitas atas Efek-efek yang
Dijual dengan Janji Dibeli
Kembali/ Liabilities from
Marketable Securities Sold under
Agreements to Repurchase -- -- -- -- 4,239,129 263,200 -- -- 4,502,329
Jumlah Liabilitas Keuangan/
Total Financial Liabilities -- -- -- -- 17,076,981 2,451,465 519,104 2,500 20,050,050
Jumlah Gap Repricing
Suku Bunga/ Total Gap
Repricing Interest Rate 1,760,606 561,702 1,890,505 3,243,838 (12,811,321) (1,386,180) (252,027) 8,891,700 1,898,823
31 Desember/ December 31, 2022
Bunga Mengambang/Floating Interest Bunga Tetap/ Fixed Interest
≤ 1 bulan/ 1 - 3 bulan/ 3 bulan - > 1 tahun/ ≤ 1 bulan/ 1 - 3 bulan/ 3 bulan - > 1 tahun/ Jumlah/
≤ 1 months 1 - 3 months 1 tahun/ > 1 year ≤ 1 months 1 - 3 month 1 tahun/ >1 year Total
3 months - 3 months -
1 year 1 year
Rp Rp Rp Rp Rp Rp Rp Rp Rp
ASET/ ASSETS
Giro pada Bank Indonesia/
Current Accounts with 1.039.002 -- -- -- -- -- -- -- 1.039.002
Bank Indonesia
Giro pada Bank Lain/
Current Accounts with
Other Banks 178.054 -- -- -- -- -- -- -- 178.054
Penempatan pada Bank
Indonesia dan Bank Lain/
Placements with Bank
Indonesia dan Other Banks -- -- -- -- 1.625.415 -- -- -- 1.625.415
Efek-efek/Marketable
Securities -- -- -- -- -- -- -- 1.177.813 1.177.813
Tagihan atas Efek-efek yang
Dibeli dengan Janji Dijual
Kembali/ Receivable from
Marketable Securities Purchased
under Agreements to Resell -- -- -- -- 4.620.857 -- -- -- 4.620.857
Kredit yang Diberikan/Loans 386.653 791.235 1.630.459 3.491.857 540.836 5.641 95.961 5.466.576 12.409.218
Jumlah Aset Keuangan/
Total Financial Assets 1.603.709 791.235 1.630.459 3.491.857 6.787.108 5.641 95.961 6.644.389 21.050.359
LIABILITAS/ LIABILITIES
Simpanan Nasabah/Deposit
from Customers
Giro/Current Accounts -- -- -- -- 5.391.885 -- -- -- 5.391.885
Tabungan/Saving Accounts -- -- -- -- 1.377.032 -- -- -- 1.377.032
Deposito/ Time Deposits 5.399.036 2.433.512 472.015 2.500 8.307.063
Simpanan dari Bank Lain/
Deposits from Other Banks -- -- -- -- 560.234 1.000 -- -- 561.234
Liabilitas atas Efek-efek yang
Dijual dengan Janji Dibeli
Kembali/ Liabilities from
Marketable Securities Sold under
Agreements to Repurchase -- -- -- -- -- 4.275.913 -- -- 4.275.913
Jumlah Liabilitas Keuangan/
Total Financial Liabilities -- -- -- -- 12.728.187 6.710.425 472.015 2.500 19.913.127
Jumlah Gap Repricing
Suku Bunga/ Total Gap
Repricing Interest Rate 1.603.709 791.235 1.630.459 3.491.857 (5.941.079) (6.704.784) (376.054) 6.641.889 1.137.232
148
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Eksposur Bank terhadap Risiko Tingkat The Bank’s Exposure to Interest Rate Risk
Suku Bunga
Sensitivitas Suku Bunga Interest Rate Sensitivity
Tabel di bawah ini mengikhtisarkan pengaruh The table below summarizes the impact of the
terhadap laba bersih Bank untuk Bank net income for the years ended
tahun-tahun yang berakhir pada 31 Desember December 31, 2023 and 2022 on interest rate
2023 dan 2022 atas perubahan tingkat suku changes are:
bunga yaitu:
2023 2022
Rp Rp
Peningkatan 100bps (12.112) 8.803 Increased 100bps
Penurunan 100bps 12.112 (8.803) Decreased 100bps
Proyeksi di atas menunjukkan bahwa jika The above projections show that if the interest
tingkat suku bunga bergerak pada jumlah yang rate moves in the same amount will potentially
sama akan berpotensi mempengaruhi laba affected the Bank's net profit assuming all
bersih Bank dengan asumsi seluruh variabel other variables, the reporting date, and the
lainnya, tanggal pelaporan, dan posisi hingga position to maturity is constant.
jatuh tempo adalah konstan.
e. Risiko Mata Uang e. Currency Risk
Bank memiliki eksposur risiko mata uang Bank exposure to currency risk as a result of
akibat adanya transaksi dalam valuta asing. transactions in foreign currencies.
Pengelolaan posisi valuta asing Bank dapat Management of foreign exchange position of
dikelompokkan dalam dua aktivitas yaitu the Bank can be grouped into two activities,
trading book, yang dikelola untuk namely trading book, which managed to
menghasilkan laba selisih kurs, dan banking generate foreign exchange earnings, and the
book, yang dikelola untuk mengendalikan banking book, which managed to control the
Posisi Devisa Neto (PDN) Bank secara Net Open Position (NOP) in its entirety.
keseluruhan.
31 Desember/ December 31, 2023
Aset/ Liabilitas/ Posisi Devisa Neto/
Assets Liabilities Net Open Position
Rp Rp Rp
Mata Uang Asing Foreign Currencies
Dolar Amerika Serikat 1,130,870 1,131,018 148 United Stated Dollar
Dolar Singapura 57,777 57,771 6 Singapore Dollar
Euro 4,834 4,826 8 Euro
Yuan China 2,201 2,193 8 China Yuan
Yen Jepang 753 707 46 Japan Yen
Won Korea 32 -- 32 Korean Won
Dolar Australia 12,888 12,925 37 Australian Dollar
Dolar Hongkong 404 -- 404 Hongkong Dollar
Jumlah 689 Total
Jumlah Modal 3,267,195 Total of Capital
Rasio PDN (Keseluruhan) 0.02% NOP Ratio (Aggregate)
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
31 Desember/ December 31, 2022
Aset/ Liabilitas/ Posisi Devisa Neto/
Assets Liabilities Net Open Position
Rp Rp Rp
Mata Uang Asing Foreign Currencies
Dolar Amerika Serikat 1,218,958 1,218,984 26 United Stated Dollar
Dolar Singapura 231,191 231,263 72 Singapore Dollar
Euro 5,384 4,968 416 Euro
Yuan China 2,711 2,703 8 China Yuan
Yen Jepang 1,687 1,674 13 Japan Yen
Won Korea 20 -- 20 Korean Won
Dolar Australia 765 595 170 Australian Dollar
Dolar Hongkong 191 -- 191 Hongkong Dollar
Jumlah 916 Total
Jumlah Modal 1,819,251 Total of Capital
Rasio PDN (Keseluruhan) 0.05% NOP Ratio (Aggregate)
Berdasarkan Peraturan Bank Indonesia (PBI) Based on Bank Indonesia Regulation (PBI)
No. 17/5/PBI/2015 tanggal 29 Mei 2015, No. 17/5/PBI/2015 dated May 29, 2015, the
perubahan keempat atas PBI fourth amendment made to PBI
No. 5/13/PBI/2003, tentang Posisi Devisa Neto No. 5/13/PBI/2003, regarding Net Open
(PDN) Bank Umum tanggal 1 Juli 2010, Position (NOP) for Commercial Banks dated
maksimum PDN adalah 20% dari modal. July 1, 2010, NOP is set to a maximum of 20%
Keseluruhan Posisi Devisa Neto Bank of capital. The overall Net Open Position of the
dan Posisi Devisa Neto on balance sheet Bank and on balance sheet Net Open Position
terhadap modal di akhir hari kerja Pada as at the closing of business day against
tanggal 31 Desember 2023 dan 2022 masing- capital as of December 31, 2023 and 2022
masing adalah 0,02% dan 0,05%. were 0.02% and 0.05% respectively.
f. Risiko Operasional f. Operational Risk
Risiko operasional adalah risiko akibat Operational risk is the risk due to inadequate
ketidakcukupan dan/atau tidak berfungsinya and/or malfunctioning internal processes,
proses internal, kesalahan manusia, human error, system failure, and/or external
kegagalan sistem, dan/atau adanya kejadian- events that affect the Bank’s operations.
kejadian eksternal yang mempengaruhi Operational risk is one of the most important
operasional Bank. Risiko operasional risks for the Bank because it can have an
merupakan salah satu risiko yang penting bagi impact on other risks and has a broad risk
Bank karena dapat menimbulkan dampak dimension.
pada risiko-risiko lainnya dan memiliki dimensi
risiko yang luas cakupannya.
Risiko operasional tersebut kemudian These operational risks are further classified
diklasifikasikan lebih lanjut lagi berdasarkan based on several types of operational risk
beberapa jenis kejadian risiko operasional events which include: internal fraud, external
yang meliputi: fraud internal, fraud eksternal, fraud, labour practices and work environment
Praktik ketenagakerjaan dan keamanan safety, customers, products and business
tempat bekerja, Klien, produk dan praktik practices, damage to physical assets,
bisnis, kerusakan pada aset fisik, gangguan disruption of business activities and system
aktivitas bisnis dan kegagalan sistem, serta failures, and errors. process and execution,
Manajemen pelaksanaan, pengiriman, dan including fraud arising from money laundering
pemrosesan, termasuk fraud yang timbul and terrorism financing activities, cyber fraud,
akibat aktivitas pencucian uang dan misuse of personal data, and bribery.
pendanaan terorisme, fraud siber,
penyalahgunaan data pribadi, dan penyuapan.
Tujuan utama Bank dalam pengelolaan risiko The Bank’s main objective in managing
operasional adalah meminimalkan dampak operational risk is to minimize the negative
negatif dari tidak berfungsinya proses impact of the non-functioning of the processes
sebagaimana tersebut diatas. as mentioned above.
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Adapun penerapan proses manajemen risiko The implementation of the operational risk
operasional adalah meliputi aspek-aspek management process includes the following
sebagaimana dijelaskan di bawah ini: aspects:
• Bank telah memiliki kebijakan pengelolaan • The Bank has operational risk management
risiko operasional, pengelolaan risiko procedures, new Bank product risk
produk Bank baru termasuk ketentuan management, including anti-fraud
mengenai anti fraud serta Kebijakan provisions. The procedure also regulates
Ketahanan dan Keamanan Siber. operational risk management through
Kebijakan dan/atau Prosedur tersebut juga several approaches and tools such as
mengatur pengelolaan risiko operasional recording and reporting loss events or
melalui beberapa pendekatan dan tools operational risk incidents, Risk Control
seperti pencatatan dan pelaporan kejadian Self-Assessment (RCSA), Key Risk
kerugian atau insiden risiko operasional Indicators (KRI), and a Cyber Security
termasuk Near Miss, Risk Control Self Risk Assessment and Architecture System
Assessment (RCSA), Key Risk Indicator (CRAAS) for cyber risk assessment.
(KRI), dan Cyber Security Risk Assessment
and Architecture System (CRAAS) khusus
untuk penilaian risiko siber.
• Bank telah merealisasikan beberapa • The Bank has realized several new Bank
produk Bank baru dan melakukan products and developed products in line
pengembangan atas produk sejalan with the Bank’s strategy to strengthen the
dengan strategi Bank untuk memperkuat digital business to support the increase in
bisnis digital guna mendukung peningkatan the Bank’s revenue. Every plan/proposal
pendapatan Bank. Setiap for the launch of a new Bank product or its
rencana/pengajuan peluncuran produk development must first obtain a
Bank baru maupun pengembangannya recommendation from the New Bank
wajib mendapatkan rekomendasi terlebih Product Committee for a comprehensive
dahulu dari Komite Produk untuk dilakukan evaluation by taking into account not only
evaluasi secara komprehensif dengan the business feasibility side but also the
memperhatikan tidak hanya dari sisi risk factors that could potentially arise and
kelayakan bisnis namun juga faktor-faktor how to control them.
risiko yang berpotensi timbul dan
bagaimana pengendaliannya.
• Dalam pengelolaan risiko operasional • • In managing operational risk considering its
mengingat cakupan dan skalanya yang wide scope and scale, as well as managing
luas, sebagaimana pengelolaan atas other risk exposures, in order to ensure the
eksposur risiko-risiko lainnya, guna effectiveness of risk control, the Bank uses
memastikan efektivitas pengendalian risiko, a 3 Lines of Defense approach (3 lines of
maka Bank menggunakan pendekatan 3 defense) in the risk management process
Lini Pertahanan (3 lines of defense) dalam where the first line of defense is based on
proses manajemen risiko dimana lini business work units and operation work
pertahanan pertama disandarkan kepada units as well as support units. The Risk
unit kerja bisnis dan unit kerja operation Management and Compliance Division acts
maupun unit support. Unit Kerja Risk as the second line of defense, while the
Management, Unit Kerja Ketahanan dan unit in charge of Internal Audit acts as the
Keamanan Siber dan Compliance berperan third line of defense.
sebagai lini pertahanan kedua, sedangkan
unit yang membidangi Internal Audit
berperan sebagai lini pertahanan ketiga.
• Lini pertahanan pertama sebagai pihak • • The first line of defense as the party
yang berhadapan langsung dengan risiko dealing directly with risk is responsible for
bertanggung jawab untuk memastikan ensuring that the risk control process has
bahwa telah dilakukan proses been carried out at the first level. The
pengendalian risiko di tingkat pertama. Lini second line of defense is an independent
pertahanan kedua merupakan lini line that supports work units on the first line
independen yang mendukung unit kerja of defense by monitoring risk management.
pada lini pertahanan pertama dengan The third line of defense is an independent
melakukan pemantauan atas pengelolaan line from the two lines of defense above
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
risiko. Lini pertahanan ketiga merupakan which is responsible for ensuring that the
lini independen dari kedua lini pertahanan operational risk management process
tersebut diatas yang bertanggung jawab carried out by the first and second lines of
untuk memastikan bahwa proses defense has been running effectively.
pengelolaan risiko operasional yang
dilakukan oleh lini pertahanan pertama dan
kedua telah berjalan dengan efektif.
• Struktur organisasi Bank senantiasa • • The Bank’s organizational structure is
dikinikan dengan memperhatikan strategi constantly being updated by taking into
bisnis, kecukupan, dan kualitas sumber account the business strategy, adequacy
daya manusia maupun pemisahan tugas and quality of human resources as well as
dan wewenang dari masing-masing fungsi. the separation of duties and authorities
Guna meningkatkan proses pengendalian from each function. In order to improve the
dan budaya manajemen risiko operasional, control process and operational risk
Bank telah membentuk fungsi organisasi management culture, the Bank has
yaitu Designated Operational Risk Officer established an organizational function,
(DORO) yang bertindak sebagai manajer namely the Designated Operational Risk
risiko operasional dengan melakukan Officer (DORO) who acts as an operational
fungsi pemantauan dan pelaporan hasil risk manager by performing the function of
pengelolaan risiko operasional di monitoring and reporting the results of
Wilayah/Area/Group/Divisi tertentu. DORO operational risk management in certain
memiliki jalur pelaporan ganda yaitu secara Regions/Area/Groups/Divisions. DORO
garis langsung kepada pimpinan unit has dual reporting lines, namely a direct
bisnis, operasi (operation) atau pendukung line to the head of the business unit,
(support) dan garis putus-putus (matriks) operations or support and a dotted line
ke Satuan Kerja Manajemen Risiko. Selain (matrix) to the Risk Management Unit. In
itu Bank telah membentuk unit kerja addition, the Bank has established a
Ketahanan dan Keamanan siber yang Resilience and Cyber Security work unit
membawahi upaya pengelolaan dan that oversees efforts to manage and control
pengendalian atas risiko siber dan cyber risks and personal data protection.
perlindungan data pribadi.
• Tata kelola perusahaan merupakan aspek • • Corporate governance is an important
penting dalam pengelolaan risiko aspect of operational risk management.
operasional. Tata kelola risiko operasional Operational risk management describe and
menggambarkan dan menjabarkan describe the division of roles and
pembagian peran dan tanggung jawab, alur responsibilities, reporting flow and
pelaporan serta pengawasan dalam supervision in managing operational risk in
pengelolaan risiko operasional di Bank. the Bank. In relation to the implementation
Dalam kaitannya dengan penerapan tata of good governance and to support the
kelola yang baik dan guna mendukung creation of healthy business growth, the
terciptanya pertumbuhan bisnis yang Bank has specifically established
sehat, maka Bank telah secara khusus committees to control operational risk
membentuk komite-komite yang melakukan which include the Information Technology
pengendalian risiko operasional yang Steering Committee and the New Product
meliputi Komite Pengarah Teknologi Committee of the Bank.
Informasi, Change Advisory Board (CAB)
dan Komite Produk Bank Baru.
• Manajemen sumber daya manusia (SDM) • • Human resource management (HR) is
adalah senantiasa menjadi perhatian dari always a concern of the Bank’s
manajemen Bank. Dalam kaitan management. In terms of risk
pengelolaan risiko, perusahaan menyadari management, the Bank realizes that
bahwa karyawan merupakan aset employees are a very valuable Bank asset,
perusahaan yang sangat berharga, so that efforts to increase employee
sehingga upaya peningkatan kompetensi competence and quality cannot be
dan kualitas karyawan tidak lepas dari separated from efforts to control risk
bagian dari upaya mengendalikan risiko carried out through the process of training,
yang dilakukan melalui proses pelatihan, recruitment, competency improvement
rekrutmen, peningkatan kompetensi through certification according to the
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
melalui sertifikasi sesuai bidang profesi profession they are engaged in as well as
yang ditekuninya maupun sertifikasi certification. risk management is carried out
manajemen risiko yang dilakukan secara on an ongoing basis in accordance with the
berkesinambungan sesuai dengan tugas, duties, responsibilities and levels of each
tanggung jawab dan jenjang masing- employee. Human resource development
masing karyawan. Pengembangan sumber also always pays attention to business
daya manusia juga senantiasa development, the level of competition and
memperhatikan perkembangan bisnis, technology that is accelerating rapidly.
tingkat persaingan dan teknologi yang
melaju cepat.
• Budaya manajemen risiko untuk risiko • • The risk management culture for
operasional telah diinternalisasikan dengan operational risk has been well internalized
baik ke seluruh level organisasi meliputi to all levels of the organization including
proses dual control di Kantor Cabang dan the dual control process at Branch Offices
Kantor Kas, sosialisasi kesadaran terhadap and Cash Offices, socialization of
risiko operasional dilakukan melalui operational risk awareness is carried out
pelatihan dan email blast, pelatihan through training and email blasts, APU/PPT
APU/PPT PPPSPM, Know Your Employee PPPSPM, Know Your Employee (KYE) and
(KYE) dan strategi penerapan anti fraud strategies for implementing anti-fraud
(fraud awareness), termasuk fraud yang (fraud awareness), including fraud caused
disebabkan oleh kejahatan siber kepada by cyber crime to all Bank staff and officials
semua staf dan pejabat Bank secara on an ongoing basis.
berkelanjutan.
• Teknologi informasi dan infrastruktur • • Information technology and supporting
pendukung diterapkan dengan senantiasa infrastructure are implemented by always
memperhatikan aspek keamanan (security) paying attention to security aspects and
dan senantiasa dilakukan peningkatan continuous improvement or development is
kapasitas, penyempurnaan atau carried out in line with changes and
pengembangan secara terus menerus developments in the Bank’s business, both
sejalan dengan perubahan dan in businesses that have been the Bank’s
perkembangan bisnis Bank, baik dalam core business and new business trends
bisnis yang selama ini sudah menjadi that are being developed. namely to
bisnis inti Bank maupun tren bisnis baru financial technology services and digital
yang sedang dikembangkan yaitu kepada banking.
layanan teknologi finansial dan digital
banking.
• Hal yang sama juga diterapkan pada • • The same is also applied to the
pengembangan sistem dan aplikasi yang development of systems and applications
digunakan untuk mengelola data nasabah, used to manage customer data, products,
produk, aktivitas maupun untuk tujuan activities and for reporting purposes to
pelaporan ke regulator. Guna memastikan Regulators. In order to ensure the
penerapan Manajemen Risiko Teknologi implementation of Information Technology
Informasi (MRTI) dapat berjalan dengan Risk Management (MRTI) can run
efektif, maka Bank telah membentuk effectively, the Bank has established an
organisasi yang membawahi tata kelola TI organization that oversees IT governance
(IT Governance). (IT Governance).
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
• Dalam upaya memastikan proses bisnis • • In an effort to ensure that business
tetap berjalan dalam situasi apapun, maka processes continue to perform in any
secara berkala Bank melakukan proses situation, the Bank periodically conducts
pemeliharaan dan pengamanan data, data maintenance and security processes,
termasuk dilakukannya proses pengujian including conducting business continuity
kelangsungan bisnis dalam kondisi testing processes in conditions of system
gangguan sistem maupun operasional, disturbances, hence it is hoped that any
sehingga diharapkan setiap gangguan business disruptions and external events
bisnis dan kejadian eksternal yang that disrupt the security of the Bank’s
mengganggu keamanan sistem dan operational systems can be recovered
operasional Bank dapat segera pulih dan immediately. and handled properly
ditangani dengan baik sesuai target yang according to the target set.
ditetapkan.
• Sepanjang tahun 2023, Bank telah • • Throughout 2023, the Bank has made
melakukan berbagai penyempurnaan various improvements to policies and
kebijakan dan prosedur, pengembangan procedures, development of business
aktivitas bisnis, sumber daya manusia, activities, human resources, information
teknologi informasi dan infrastruktur technology and supporting infrastructure.
pendukung. Bank senantiasa melakukan The Bank continuously monitors
pemantauan terhadap risiko operasional operational risks that occur through the
yang terjadi melalui proses pencatatan, process of recording, reporting, and action
pelaporan, dan rencana aksi atas kejadian plans on risk events through tools such as
risiko melalui perangkat-perangkat (tools) incident reports, Operational Risk Loss
seperti melalui laporan insiden (incident (Loss Event Database), Risk Control Self-
report), Kerugian Risiko Operasional (Loss Assessment. (RCSA), Key Risk Indicator
Event Database), Risk Control Self (KRI) and other risks that are
Assessment (RCSA), Key Risk Indicator submitted/reported by the Risk-Taking Unit
(KRI), dan maupun risiko lainnya yang on a regular basis. Information and
disampaikan/dilaporkan oleh Risk Taking analysis of the operational risk profile is
Unit (RTU) secara berkala. Informasi dan reported to Management on a regular
analisa atas profil risiko operasional basis. The Bank continues to develop
dilaporkan kepada Manajemen secara operational risk management measurement
berkala. Bank senantiasa melakukan tools, including for specific risks such as IT
pengembangan alat pengukuran risk, fraud risk, in this case including cyber
manajemen risiko operasional tersebut, risk, risk of misuse of personal data and
termasuk untuk risiko-risiko yang sifatnya bribery risk, so that operational risk
spesifik seperti risiko IT, risiko fraud, dalam exposure is expected to be detected
hal ini termasuk risiko siber, risiko earlier.
penyalahgunaan data pribadi dan risiko
bribery (penyuapan), sehingga diharapkan
eksposur risiko operasional dapat dideteksi
lebih dini.
Bank menerapkan pendekatan standar The Bank applies a standardized approach in
(Standardized Approach) dalam perhitungan calculating Risk Weighted Assets (RWA) for
Aset Tertimbang Menurut Risiko (ATMR) untuk Operational Risk, in accordance with OJK
Risiko Operasional, sesuai dengan ketentuan regulations.
OJK.
g. Risiko Hukum g. Legal Risk
Risiko Hukum adalah risiko yang disebabkan Legal risk is the risk caused by a weakness in
oleh adanya kelemahan aspek yuridis, yang the juridical aspect, which among others is due
antara lain disebabkan adanya tuntutan to lawsuits, the absence of supporting laws
hukum, ketiadaan peraturan perundang- and regulations, or the weakness of the
undangan yang mendukung, atau kelemahan engagement.
perikatan.
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Penerapan Manajemen Risiko Hukum pada The implementation of Legal Risk
dasarnya sudah melekat pada setiap aktivitas Management is basically inherent in every
bisnis sehari-hari yang juga merupakan bagian daily business activity which is also an integral
yang tidak terpisahkan atas pengelolaan risiko part of the overall risk management of the
Bank secara keseluruhan, mengingat dampak Bank, considering that the impact on Legal
kepada Risiko Hukum tidak terlepas dari Risk is inseparable from other accompanying
adanya risiko lain yang menyertainya seperti risks such as the emergence of Operational
timbulnya Risiko Operasional maupun fraud, Risk and fraud. Reputation, Credit Risk and so
Risiko Reputasi, Risiko Kredit dan lain on.
sebagainya.
Pengelolaan Risiko Hukum untuk melindungi Legal Risk Management to protect the Bank
Bank dari kemungkinan kerugian sebagai from possible losses as a result of taking risk
akibat dari pengambilan eksposur risiko yang exposures that exceed the Legal Risk
melampaui batasan toleransi Risiko Hukum tolerance limits that can be borne by the Bank.
yang dapat ditanggung oleh Bank.
Unit Legal masing-masing menjalankan tugas Each Legal unit carries out its duties and
dan tanggung jawab dalam mendukung responsibilities in supporting the
terlaksananya manajemen risiko secara efektif implementation of risk management effectively
sesuai dengan wewenang dan tanggung jawab in accordance with the authority and
dan berfungsi sebagaimana mestinya. Dalam responsibility and functioning properly. In the
fungsi legal telah terdapat unit-unit kerja yang legal function, the Corporate Legal function
memilki fungsi sebagai fungsi kajian Hukum, has been distinguished, the function for
Corporate Legal, fungsi Pemberian Advis providing legal advice and consultation, the
Hukum dan Konsultasi, fungsi Penanganan case handling function, and the legal
Perkara, serta Fungsi Administrasi Dokumen document administration function. The division
Hukum. Pembagian dan pemisahan fungsi- and separation of functions in several work
fungsi dalam beberapa unit kerja diharapkan units is expected to increase the effectiveness
dapat meningkatkan efektivitas pengelolaan of legal risk management.
risiko hukum.
Dalam hal ini, Bank melalui unit Legal bersama In this case, the Bank through the Legal unit
dengan unit lainnya yang terkait senantiasa together with other related units always strives
berupaya memantau atau mengurangi risiko to monitor or reduce legal risks that may arise
hukum yang mungkin timbul melalui proses through an orderly and adequate
pengadministrasian dokumentasi hukum yang administrative process of legal documentation,
tertib dan memadai, memperhatikan paying attention to the completeness and
kelengkapan dan keabsahan dokumentasi validity of documentation related to the law and
yang berkaitan dengan hukum serta paying attention to applicable
memperhatikan peraturan/ketentuan yang regulations/stipulations. especially banking
berlaku khususnya ketentuan perbankan. regulations.
Penerapan Manajemen Risiko Hukum adalah The implementation of Legal Risk
meliputi aspek-aspek berikut ini: Management covers the following aspects:
• Sepanjang tahun 2023, tidak terdapat • Throughout 2023, there were no material
permasalahan hukum yang material yang legal issues that could interfere with the
dapat mengganggu aktivitas dan bisnis Bank’s activities and business.
Bank.
• Unit Legal melakukan review setiap klausul • • The Legal Unit reviews each clause of the
perjanjian dan telah sesuai dengan agreement and has complied with the
persyaratan yang telah disepakati. Legal agreed requirements. Legal Counsel is
Counsel konsisten diminta untuk mengkaji consistently asked to review the agreement
ulang (review) atas perjanjian untuk to minimize the occurrence of Legal Risk in
meminimalkan terjadinya Risiko Hukum meeting the needs of evaluating legal
dalam memenuhi kebutuhan evaluasi atas issues and handling complex cases.
permasalahan hukum dan penanganan
perkara yang kompleks.
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
• Proses identifikasi Risiko Hukum diawali • • Legal Risk identification process begins
dengan (i) proses identifikasi Risiko Hukum with (i) Legal Risk identification process for
atas sebuah transaksi, (ii) penelaahan atas a transaction, (ii) review of existing and
ketentuan/peraturan perundang-undangan related laws and regulations, (iii) business
yang ada serta terkait, (iii) kebutuhan bisnis needs and best practices, (iv) experience
dan best practice, (iv) pengalaman based on legal issues experienced/cases
berdasarkan permasalahan hukum yang outside the Bank.
dialami/perkara diluar Bank.
• Proses pengukuran Risiko Hukum • • The process of measuring Legal Risk is
dilakukan dengan memetakan potensi carried out by mapping potential risk events
kejadian risiko melalui dampak kerugian, through the impact of losses, frequency of
frekuensi risiko hukum, hasil penilaian, legal risks, assessment results,
pelaksanaan penilaian dan control testing. implementation of assessments and control
testing.
• Pemantauan Risiko Hukum dilakukan • • Legal risk monitoring is carried out by
dengan cara pemantauan proses monitoring administrative processes
administrasi secara periodik, menetapkan periodically, establishing good legal
standar administrasi hukum yang baik, administration standards, monitoring work
pemantauan proses kerja di unit legal processes in legal units (maker and
(maker dan checker), serta updating checker), and updating new regulations.
ketentuan baru.
• Pengendalian Risiko Hukum dilakukan • • Legal risk control is carried out consistently
secara konsisten sesuai dengan tingkat in accordance with the level of risk.
risiko.
\
h. Risiko Strategis h. Strategic Risk
Risiko Stratejik adalah risiko yang diakibatkan Strategic risk is the risk caused by the
oleh adanya penetapan dan pelaksanaan establishment and implementation of the
strategi Bank yang tidak tepat maupun Bank’s strategy that is not appropriate or the
pengambilan keputusan bisnis Bank yang Bank’s business decision making that is less
kurang responsif terhadap perubahan responsive to external changes.
eksternal.
Manajemen risiko strategis dilakukan untuk Strategic risk management is carried out to
mengatasi berbagai risiko yang mungkin timbul overcome various risks that may arise from the
dari penetapan serta implementasi strategi determination and implementation of
yang kurang memadai sehingga target inadequate strategies so that the target of the
rencana bisnis Perseroan dapat tercapai. Perseroan business plan can be achieved
Pencapaian target rencana bisnis Bank The achievement of the Bank’s business plan
menjadi tolok ukur utama dalam penilaian targets is the main benchmark in assessing the
kualitas penerapan manajemen Risiko quality of the implementation of Strategic Risk
Strategis. Untuk itu, Direksi berfokus pada management. For this reason, the Board of
pemenuhan target-target keuangan dan non Directors is very concerned about the
keuangan yang tertuang dalam rencana bisnis fulfillment of financial and non-financial targets
Bank. Dewan Komisaris turut melakukan set out in the Bank’s business plan. Monitoring
fungsi pengawasan melalui saran dan arahan of the Bank’s performance, especially efforts to
tentang berbagai hal yang menjadi faktor increase the Bank’s profitability and profitability
utama pemenuhan target tersebut. through the management of assets and
Pemantauan atas kinerja perusahaan liabilities on a regular basis has been carried
khususnya upaya-upaya untuk meningkatkan out in the Asset and Liabilities Committee
profitabilitas dan rentabilitas perusahaan (ALCO) forum.
melalui pengelolaan asset dan liabilities secara
berkala telah dilaksanakan dalam Komite Aset
dan Liabilitas (ALCO).
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Penerapan Manajemen Risiko Strategis The implementation of Strategic Risk
adalah meliputi aspek-aspek berikut ini: Management includes the following aspects:
• Mitigasi risiko stratejik yang dikelola oleh • • Throughout 2023, the steps taken to
Bank dengan menetapkan sasaran jangka mitigate strategic risk managed by the
pendek dan menengah. Sepanjang tahun Bank by setting short- and medium-term
2023, Bank senantiasa mempertimbangkan targets, the Bank always considers external
faktor-faktor eksternal dan internal yang and internal factors which can be seen from
nampak dari asumsi-asumsi makro dan the macro and micro assumptions set by
mikro yang ditetapkan agar sejalan dengan the Bank in line with general practice in
praktik umum dalam industri. Perumusan industry. The formulation of the Bank’s
Rencana Bisnis Bank dilaksanakan secara Business Plan is carried out periodically
berkala (tahunan) oleh Direksi berikut (annually) by the Board of Directors and
jajaran senior manajemen lainnya dengan other senior management by taking into
memperhatikan asumsi-asumsi yang ada, account the existing assumptions, and
dan dapat dilakukan revisi target bisnis revisions to business targets may be made
dalam perjalanannya sekiranya terdapat in the course of a significant change in the
perubahan yang signifikan atas lingkungan business environment that affects the
bisnis yang mempengaruhi strategi Bank. Bank’s strategy.
• Strategi Bank secara umum, antara lain • • In general, the Bank’s strategy is similar,
menjaga spread antara biaya bunga dari among others, by maintaining the spread
funding dengan hasil bunga pada sisi between interest costs from funding and
lending, menggali berbagai potensi fee- interest yields on the lending side,
based income sekaligus mendorong exploring various potential for fee-based
langkah-langkah efisiensi biaya yang masih income as well as encouraging cost
dapat ditekan. Di sisi penyaluran kredit, efficiency measures that can still be
Bank masih melanjutkan strategi suppressed. While on the credit distribution
penyaluran kredit yang prudent, antara lain side, the Bank is still continuing its prudent
lewat penerimaan restrukturisasi atas lending strategy during this pandemic,
Debitur existing, selektif pada pengajuan including through acceptance of
kredit baru terutama pada sektor-sektor restructuring of existing debtors, being
ekonomi yang menjadi kekuatan Bank. Hal selective in applying for new loans, and
ini merupakan sebagian langkah yang carefully observing economic sectors that
diambil Bank untuk menjaga pertumbuhan have proven to be able to survive during
kredit dan pendapatan bunga. the pandemic. This is part of the steps
taken by the Bank to maintain credit growth
and interest income.
• Kinerja Bank sepanjang tahun 2023 • • In general, the Bank’s performance
terbilang baik. Di antara pesaing dengan throughout 2023 is still good. In supporting
ukuran yang sama (peer group), Bank the Bank’s strategic objectives, the Bank
memiliki keunggulan kompetitif, seperti has competitive advantages among
tingkat permodalan yang kuat dalam competing banks of the same size (peer
mendukung bisnis Bank, jaringan kantor group), such as a strong level of capital to
yang luas, dan sebaran produk yang cukup support the Bank’s business, extensive
bervariasi hingga pada layanan kanal office network, and product distribution,
elektronik (e-channel), seperti internet which is quite varied to electronic channel
banking, mobile banking, e-money, ATM, services. (e-channel), such as internet
dan virtual account. Seiring perkembangan banking, mobile banking, e-money, ATM,
dan pertumbuhan usaha, Bank melakukan and virtual accounts. Along with business
pengkinian struktur organisasinya agar development and growth, the Bank has
mampu sejalan dengan rencana strategis updated its organizational structure to be in
Bank dan kebutuhan koordinasi organisasi line with the Bank’s strategic plan and the
yang efektif dan efisien. need for effective and efficient
organizational coordination.
•
•
•
•
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
• Bank melakukan sosialisasi, pembahasan, • • Periodically, the Bank conducts
dan evaluasi atas pencapaian rencana socialization, discussion, and evaluation of
bisnis Bank secara berkala untuk the achievements of the Bank’s business
meningkatkan kualitas pencapaian pada plans to improve the quality of
periode berikutnya. Laporan realisasi achievements in the following period.
pelaksanaan rencana bisnis Bank Report on the realization of the
senantiasa disusun secara berkala sesuai implementation of the Bank’s business plan
ketentuan yang berlaku dan disampaikan is always prepared periodically in
kepada regulator secara tepat waktu. accordance with applicable regulations and
submitted to the Regulator in a timely
manner.
• Sistem informasi manajemen risiko stratejik • • The Bank’s strategic risk management
Bank dilakukan melalui laporan rencana information system is carried out through
bisnis Bank, laporan realisasi rencana the Bank’s business plan report, the Bank’s
bisnis Bank. business plan realization report.
i. Risiko Reputasi i. Reputation Risk
Risiko reputasi merupakan risiko yang Reputation risk is a risk caused by negative
disebabkan oleh adanya publikasi negatif yang publications related to the Bank’s business
terkait dengan kegiatan usaha Bank atau activities or negative perceptions of the Bank.
persepsi negatif terhadap Bank.
Seluruh pegawai termasuk unit bisnis sangat All employees, including business units, play a
berperan dalam struktur pengendalian risiko very important role in the reputation risk control
reputasi mengingat risiko reputasi pada structure, considering that reputation risk is
dasarnya melekat pada setiap aktivitas dan inherent in every activity and business of the
bisnis Bank khususnya karyawan front liner Bank, especially front liner employees and
dan yang langsung berhubungan dengan those who have direct contact with customers.
nasabah.
Bank memiliki unit kerja yang bertugas untuk The Bank has a work unit tasked with
melakukan pemantauan atas adanya potensi monitoring the potential for increased
peningkatan risiko reputasi yaitu antara lain reputation risk, among others through the units
melalui unit yang membidangi Corporate in charge of the Corporate Secretary and the
Communication Group dan Customer Handling Branch Quality Assurance Division, each of
Management Division yang masing-masing which performs tasks in the form of handling
melakukan tugas berupa penanganan keluhan customer complaints and anticipating negative
nasabah dan antisipasi atas pemberitaan news in the media that can have an impact on
negatif di media yang dapat berdampak pada the Bank. Bank reputation and handling
reputasi Bank dan penanganan keluhan customer complaints.
nasabah.
Penerapan Manajemen Risiko Reputasi antara The implementation of Reputational Risk
lain sebagaimana dijelaskan di bawah ini: Management, among others, is as described
below:
• Sepanjang tahun 2023, reputasi dan • • Throughout 2023, the reputation and
kredibilitas Bank masih dapat terjaga credibility of the Bank can still be well
dengan baik di mata masyarakat. maintained in the eyes of the public.
• Frekuensi pengaduan nasabah masih • • The frequency of customer complaints is
dikategorikan wajar dan tidak material still categorized as reasonable and
tercermin dari keluhan yang relatif standar immaterial, as reflected in the relatively
dan masih dapat ditangani dengan baik standard complaints and can still be
dengan penyelesaian dalam batas waktu handled properly with resolution within a
yang singkat, sehingga tidak berdampak short time limit, so that it does not have a
signifikan terhadap reputasi Bank. significant impact on the Bank’s reputation.
•
•
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
• Sistem informasi manajemen risiko reputasi • • The Bank’s reputation risk management
Bank dilakukan melalui evaluasi atas information system is carried out through
laporan pengaduan nasabah dan laporan evaluation of customer complaints reports
pemantauan pemberitaan media terkait and monitoring reports on media reports
dengan Bank. related to the Bank.
j. Risiko Kepatuhan j. Compliance Risk
Risiko kepatuhan merupakan risiko yang Compliance risk is the risk that caused the
disebabkan Bank tidak mematuhi atau tidak Bank does not comply with or implement
melaksanakan peraturan perundang-undangan legislation and other applicable provisions.
dan ketentuan lain yang berlaku. Inability of the Bank to follow and comply with
Ketidakmampuan Bank untuk mengikuti dan all laws and regulations relating to its business
mematuhi seluruh peraturan perundangan activities could adversely affect the Bank's
yang terkait dengan kegiatan usahanya dapat business continuity.
berdampak negatif terhadap kelangsungan
usaha Bank.
Dalam mengelola Manajemen Risiko In managing Compliance Risk Management,
Kepatuhan, upaya peningkatan Budaya effort to increase Compliance Cultures
Kepatuhan yang terus menerus senantiasa continuously is always performed through
dilakukan melalui program-program antara programs such as:
lain:
a. Melakukan kaji ulang (review) atas a. Conducting the review of the design of
rancangan kebijakan, ketentuan, sistem policies, rules, new internal systems and
maupun prosedur internal baru; procedures;
b. Sosialisasi/pelatihan melalui regulations b. Socialization/training through regulation
update dan in-class training terkait updates and in-class training related to
penerapan Anti Pencucian Uang dan the implementation of Anti-Money
Pencegahan Pendanaan Terorisme Laundering and Combating the Financing
(APU/PPT) serta ketentuan baru lainnya; of Terrorism (APU/PPT) and other new
provisions;
c. Melakukan kaji ulang (review) terhadap c. Conducting the review of new
produk/aktivitas baru; products/activities;
d. Memonitor pelaksanaan kepatuhan atas d. Monitoring the implementation of on
penyampaian laporan-laporan yang harus submission of compliance reports must
disampaikan kepada Bank Indonesia dan be submitted to Bank Indonesia and
Otoritas Jasa Keuangan sesuai ketentuan Financial Services Authority in
yang berlaku; accordance with the regulations;
e. Pengkinian dan penatausahaan database e. Updating and database administration
peraturan/ketentuan yang berlaku; rules/regulations;
f. Pembuatan Laporan Kepatuhan kepada f. Preparing Compliance Reports to
Otoritas Jasa Keuangan serta untuk pihak Financial Services Authority as well as to
internal; internal parties;
g. Pemantauan terhadap denda atau sanksi g. Monitoring of fines or penalties received
yang diterima dari regulator/pihak from regulators/external parties; and
eksternal; dan
h. Pemantauan terhadap batasan-batasan h. Monitoring of restrictions such as the
seperti Batasan Maksimum Pemberian Maximum Lending Limit (BMPK), Net
Kredit (BMPK), Posisi Devisa Neto (PDN), Open Position (PDN), Minimum Statutory
Giro Wajib Minimum (GWM), Rasio Reserves (GWM), Macroprudential
Pembiayaan Inklusif Makroprudensial Inclusive Financing Ratio (RPIM), Foreign
(RPIM), Pinjaman Luar Negeri (PLN), Loans (PLN), Minimum Capital Adequacy
Kewajiban Penyediaan Modal Minimum Requirement (KPMM), capital compliance
(KPMM), ketentuan tingkat pemenuhan level requirements and so on.
modal dan sebagainya.
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Sejalan dengan upaya Bank untuk terus In line with the Bank's efforts to continue to
tumbuh dan berkembang dalam jangka grow and develop in the long term, referring to
panjang, maka mengacu pada POJK tentang POJK on Consolidation of Commercial Banks,
Konsolidasi Bank Umum, Bank tengah dalam the Bank is in the process of carrying out
proses untuk melakukan aksi korporasi yaitu corporate actions, namely synergizing and/or
bersinergi dan/atau melakukan penjajakan exploring business mergers with other entities
penggabungan usaha dengan entitas lain guna in order to build a bank entity that is resilient
membangun satu entitas bank yang tangguh and has a stronger capital structure and is
dan memiliki struktur permodalan yang makin able to increase the Bank's competitive
kuat serta mampu meningkatkan keunggulan advantage. This corporate action is carried out
kompetitif Bank. Aksi korporasi ini by always paying attention to the applicable
dilaksanakan dengan senantiasa legal provisions and laws and regulations.
memperhatikan ketentuan hukum dan
peraturan perundang-undangan yang berlaku.
40. Rasio Kewajiban Penyediaan Modal 40. Capital Adequacy Ratio
Minimum
Kebijakan manajemen modal Bank The Bank capital management policy is to
adalah untuk mempertahankan posisi modal maintain a strong capital position to support
yang kuat untuk mendukung pertumbuhan business growth and to sustain investors,
bisnis dan mempertahankan investor, depositor, customer, and market trust. In
deposan, pelanggan, dan kepercayaan pasar. managing its capital, the Bank considers
Dalam pengelolaan permodalan, Bank factors such as: providing optimal capital rate
mempertimbangkan faktor-faktor seperti: of return to shareholders, maintaining a
pengembalian modal yang optimal kepada balance between high return with gearing ratio
pemegang saham, menjaga keseimbangan and the profits, and safety provided by a
antara keuntungan yang lebih tinggi dengan sound capital position.
gearing ratio dan keuntungan, serta keamanan
yang diberikan oleh posisi modal yang sehat.
Perhitungan Rasio Kewajiban Penyediaan Calculation of Capital Adequacy Ratio in
Modal Minimum telah sesuai dengan POJK compliance with POJK No. 11/POJK.03/2016
No. 11/POJK.03/2016 tanggal 2 Februari 2016 dated February 2, 2016 concerning Minimum
tentang Kewajiban Penyediaan Modal Capital Adequacy of Commercial Banks which
Minimum Bank Umum yang berlaku sejak effective since February 2, 2016 as amended
2 Februari 2016 dan sebagaimana telah by POJK No.34/POJK.03/2016 dated
diubah dengan POJK No. 34/POJK.03/2016 September 22, 2016.
tanggal 22 September 2016.
Berdasarkan penilaian faktor profil risiko, Based on assessment of risk factor profile, the
peringkat komposit profil risiko Bank Bank's risk profile as of December 31, 2023
per 31 Desember 2023 dan 2022 adalah 2 and 2022 is rank 2 (low to moderate),
(low to moderate), maka CAR minimum therefore the minimum CAR as of
31 Desember 2023 dan 2022 ditetapkan December 31, 2023 and 2022 should be at
sebesar 9% sampai dengan 10%. 9% up to 10%.
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Rasio kewajiban penyediaan modal Bank The Bank's capital adequacy ratio takes
dengan memperhitungkan risiko kredit, risiko consideration of credit risk, operational risk,
operasional, dan risiko pasar pada tanggal and market risk as of December 31, 2023 and
31 Desember 2023 dan 2022 adalah sebagai 2022 as follows:
berikut:
2023 2022
Rp Rp
Modal Inti (Tier 1) Core Capital (Tier 1)
Modal Inti Utama (CET 1) 3,102,311 1,708,961 The Main Core Capital (CET 1)
Modal Inti Tambahan (AT-1) -- -- Additional Core Capital (AT-1)
Jumlah Modal Inti 3,102,311 1,708,961 Total Core Capital
Modal Pelengkap (Tier 2) 164,884 110,290 Supplementary Capital (Tier 2)
Jumlah Modal 3,267,195 1,819,251 Total Capital
Aset Tertimbang Menurut Risiko (ATMR) Risk Weighted Assets (ATMR)
ATMR untuk Risiko Kredit 13,190,723 8,799,456 ATMR for Credit Risk
ATMR untuk Risiko Pasar 689 916 ATMR for Market Risk
ATMR untuk Risiko Operasional 725,136 1,012,121 ATMR for Operational Risk
Jumlah ATMR 13,916,548 9,812,493 Total ATMR
Rasio CAR CAR Ratio
Rasio CET 1 22.29% 17.42% CET 1 Ratio
Rasio Tier 1 22.29% 17.42% Tier 1 Ratio
Rasio Tier 2 1.18% 1.12% Tier 2 Ratio
Rasio Modal terhadap ATMR 23.48% 18.54% Ratio of Capital to ATMR
41. Aset Kontinjensi 41. Contingency Asset
Bank sedang menghadapi beberapa kasus The Bank is currently facing several legal
hukum yang masih dalam proses persidangan cases which are still in the trial process and
dan belum mendapatkan keputusan yang have not yet received a final decision. The
bersifat tetap. Bank dapat memastikan bahwa Bank can ensure that the Bank's legal position
posisi hukum Bank atas permasalahan hukum on the legal issues involving it is strong and
yang melibatkannya tersebut kuat dan nilai the value of the claims on the said cases will
tuntutan atas perkara-perkara dimaksud tidak not affect the business being carried out.
akan memengaruhi usaha yang sedang
dijalankan.
Namun demikian tidak memungkinkan bagi However, it is not possible for the Bank to
Bank untuk memberikan jaminan maupun provide guarantees or predict whether the
memperkirakan apakah Bank akan berhasil Bank will win each of these legal cases or not.
memenangkan setiap kasus hukum tersebut However, in the event that the Bank does not
atau tidak. Walaupun demikian, dalam hal win the legal case, taking into account the
Bank tidak memenangkan kasus hukum value and impact of the legal case, the Bank
tersebut, dengan memperhatikan nilai dan believes that the ongoing cases involving the
dampak kasus hukum tersebut, Bank Bank in question will not have a material
berkeyakinan bahwa perkara-perkara yang impact on the Bank and the Bank's business
masih berjalan yang melibatkan Bank activities.
dimaksud, tidak memiliki dampak material
terhadap Bank dan maupun Kegiatan Usaha
Bank.
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
42. Perjanjian Penting 42. Significant Agreements
a. Jaminan Pemerintah terhadap Liabilitas a. Government’s Security on Payment
Pembayaran Bank Umum Obligations of a Private Bank
Berdasarkan Peraturan Lembaga Penjamin Based on Regulation of Deposit Insurance
Simpanan No. 2 Tahun 2020 tentang Corporation No. 2 Year 2020 regarding Third
Perubahan Ketiga atas Peraturan Lembaga Amendment to Regulation of Deposit
Penjamin Simpanan (LPS) No. 2/PLPS/2010 Insurance Corporation (DIC) No. 2/PLPS/2010
tentang Program Penjaminan Simpanan, concerning Deposit Guarantee Program,
menjamin simpanan yang meliputi giro, guarantee deposits including demand
deposito, sertifikat deposito, tabungan, dan deposits, time deposits, certificate of deposits,
atau bentuk lain yang dipersamakan dengan savings, and other forms equivalent which is
itu yang merupakan simpanan yang berasal deposits from the community including those
dari masyarakat termasuk yang berasal dari from other banks. On October 13, 2008, the
bank lain. Pada tanggal 13 Oktober 2008, President of the Republic of Indonesia issued
Presiden Republik Indonesia menetapkan Government Regulation No. 66 Year 2008
Peraturan Pemerintah No. 66 Tahun 2008 about the magnitude of the Deposit Value
tentang Besaran Nilai Simpanan yang dijamin covered by DIC. Under the regulation, the
LPS. Berdasarkan peraturan tersebut, nilai value of insured deposits for each customer in
simpanan yang dijaminkan untuk setiap one bank is at a maximum amount of Rp2,000.
nasabah pada satu bank adalah sebesar
maksimum Rp2.000.
b. Perjanjian dengan PT Artajasa Pembayaran b. Agreement with PT Artajasa Pembayaran
Elektronik tentang Pemanfaatan ATM Electronic about the Utilization of ATM
Bersama Bersama
Pada tanggal 1 April 2011, Bank On April 1, 2011, the Bank signed a
menandatangani perjanjian kerja sama dengan cooperation agreement with PT Artajasa
PT Artajasa Pembayaran Elektronis tentang Pembayaran Elektronis regarding the
pemanfaatan ATM Bersama untuk principle utilization of ATM Bersama for principle
member Perjanjian berlaku sampai dengan member. The Agreement is valid until there is
adanya pemberitahuan penghentian Perjanjian written notice of termination of the Agreement
secara tertulis dari Para Pihak. Perjanjian ini from the Parties. Currently, this agreement is
masih berlaku sampai dengan saat ini. still applied.
c. Perjanjian dengan PT Rintis Sejahtera c. Agreement with PT Rintis Sejahtera about
tentang Pemanfaatan ATM dan EDC Prima the utilization of ATM and EDC Prima
Pada tanggal 3 Juni 2013, Bank On June 3, 2013, the Bank signed a
menandatangani perjanjian kerja sama dengan cooperation agreement with PT Rintis
PT Rintis Sejahtera tentang pemanfaatan ATM Sejahtera regarding the utilization of ATM and
dan EDC Prima. Perjanjian ini berlaku sampai EDC Prima. This agreement is valid until
dengan 30 Juni 2023 akan diperpanjang June 30, 2023 shall be automatically renewed
secara otomatis untuk jangka waktu yang for the same period and shall be of perpetual
sama dan berlaku seterusnya apabila tidak effect in the absence of written notice of
ada pemberitahuan penghentian perjanjian termination of the agreement.
secara tertulis.
d. Perjanjian dengan PT Mahkota Sentosa d. Agreement with PT Mahkota Sentosa
Utama tentang Jasa Layanan Perbankan Utama regarding Banking Services and
dan Fasilitas Kredit Kepemilikan Apartment Ownership Credit Facility
Apartemen
Pada tanggal 24 Februari 2017, Bank On February 24, 2017, the Bank signed an
menandatangani perjanjian kerja sama dengan agreement with PT Mahkota Sentosa Utama
PT Mahkota Sentosa Utama tentang Jasa relating to Banking Services and Apartment
Layanan Perbankan dan Fasilitas Kredit Ownership Credit Facility with a mutually
Kepemilikan Apartemen dengan skema biaya agreed upon cost and compensation scheme.
jasa dan kompensasi yang telah disepakati This agreement is valid until February 23, 2018
bersama. Perjanjian ini berlaku sampai and can extended automatically for the same
162
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
23 Februari 2018 dan dapat diperpanjang period of time, if there is no desire from one of
secara otomatis untuk jangka waktu yang the Parties to terminate the Agreement.
sama, apabila tidak ada keinginan salah satu
Pihak untuk menghentikan Perjanjian.
Pada tanggal 16 Juni 2020, Perjanjian ini telah On June 16, 2020, this Agreement has been
diperbarui sesuai dengan adendum I perjanjian renewed in accordance with addendum I to the
Kerja sama dengan PT Mahkota Sentosa Cooperation agreement with PT Mahkota
Utama dengan mengubah pasal mengenai Sentosa Utama by amending the article
biaya kompensasi, serta hak dan kewajiban. regarding compensation costs, as well as right
and obligations.
Pada tanggal 29 Januari 2021, Perjanjian ini On January 29, 2021, this Agreement has
telah diperbarui sesuai dengan adendum II been renewed in accordance with addendum II
perjanjian Kerja sama dengan PT Mahkota to the Cooperation agreement with PT
Sentosa Utama dengan mengubah pasal Mahkota Sentosa Utama by amending the
mengenai biaya kompensasi. article regarding compensation costs.
e. Perjanjian Kerjasama Bisnis antara e. Business Cooperation Agreement between
PT Mastercard Indonesia dengan PT Bank PT Mastercard Indonesia with PT Bank
Nationalnobu Tbk Nationalnobu Tbk
Pada tahun 2018, Bank menandatangani In 2018, the Bank signed a business
perjanjian kerja sama bisnis dengan cooperation agreement with PT Mastercard
PT Mastercard Indonesia, dimana Indonesia, where PT Mastercard Indonesia
PT Mastercard Indonesia akan menyediakan shall provide to customer card based payment
layanan pembayaran berbasis kartu (“CBP”) ("CBP") services including authorization,
kepada nasabah termasuk layanan otorisasi, clearing, and settlement services for debit and
kliring, dan penyelesaian. Jangka waktu kerja credit transactions. The period of cooperation
sama dimulai sejak tahun 2018 sampai salah commences since 2018 until either party
satu pihak mengakhiri Perjanjian Kerja sama terminates the Business Cooperation
Bisnis. Agreement.
f. Perjanjian dengan PT Jaminan Kredit f. Agreement with PT Jaminan Kredit
Indonesia (PT Jamkrindo) tentang Indonesia (PT Jamkrindo) regarding
Penjaminan Pinjaman Program PEN Guarantee PEN Loan Program
Pada 7 Juli 2020, Bank menandatangani On July 7, 2020, the Bank signed an
perjanjian kerja sama dengan PT Jaminan agreement with PT Jaminan Kredit Indonesia
Kredit Indonesia (PT Jamkrindo) untuk (PT Jamkrindo) to implement the Government
melaksanakan Penjaminan Pemerintah Dalam Guarantee in the Context of National
Rangka Program Pemulihan Ekonomi Economic Recovery Program, this agreement
Nasional yang akan jatuh tempo pada tanggal is valid until December 31, 2024.
31 Desember 2024.
g. Perjanjian dengan PT Asuransi Kredit g. Agreement with PT Asuransi Kredit
Indonesia (PT Askrindo) tentang Indonesia (PT Askrindo) regarding
Penjaminan Pinjaman Program PEN Guarantee PEN Loan Program
Pada 7 Juli 2020, Bank menandatangani On July 7, 2020, the Bank signed an
perjanjian kerja sama dengan PT Asuransi agreement with PT Asuransi Kredit Indonesia
Kredit Indonesia (PT Askrindo) untuk (PT Askrindo) to implement the Government
melaksanakan Penjaminan Pemerintah Dalam Guarantee in the Context of National
Rangka Program Pemulihan Ekonomi Economic Recovery Program, this agreement
Nasional yang akan jatuh tempo pada tanggal is valid until December 31, 2024.
31 Desember 2024.
163
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
h. Perjanjian dengan PT Asuransi Kredit h. Agreement with PT Asuransi Kredit
Indonesia (PT Askrindo) Tentang Indonesia (PT Askrindo) Regarding
Penjaminan Kredit Usaha Rakyat (KUR) Government Guarantee for Kredit Usaha
Rakyat (KUR)
Pada tanggal 4 Mei 2020, Bank On May 4, 2020, the Bank signed a
menandatangani perjanjian kerja sama dengan cooperation agreement with PT Asuransi
PT Asuransi Kredit Indonesia (PT Askrindo) Kredit Indonesia (PT Askrindo) regarding the
tentang Penjaminan Kredit Usaha Rakyat People's Business Credit Guarantee.
Perjanjian ini telah beberapa kali diubah, This agreement has been amended several
terakhir kali perubahan dilakukan lewat times, the last time the amendment was made
pembaharuan perjanjian atas: Perjanjian through the renewal of the agreement on: the
tentang Penjaminan Kredit Usaha Rakyat Agreement on People's Business Credit
(KUR) dan Perjanjian tentang Pemanfaatan Guarantee (KUR) and the Agreement on
Teknologi Informasi untuk Penjaminan Kredit Utilization of Information Technology for
Usaha Rakyat (KUR) antara Bank dan People's Business Credit Guarantee (KUR)
PT Asuransi Kredit Indonesia menjadi satu between the Bank and PT Asuransi Kredit
Perjanjian tertanggal 22 November 2022, yang Indonesia into one Agreement dated
berlaku sejak 03 Januari 2022 hingga November 22, 2022, which is valid from
03 Januari 2025. January 3, 2022 until January 3, 2025.
i. Perjanjian dengan PT Asuransi Kredit i. Agreement with PT Asuransi Kredit
Indonesia (PT Askrindo) Tentang Indonesia (PT Askrindo) Regarding
Penjaminan Kredit Usaha Rakyat (KUR) Government Guarantee for Kredit Usaha
Terdampak Pandemi Corona Virus Disease Rakyat (KUR) Affected by the Corona Virus
2019 (Covid-19) Disease 2019 (Covid-19) Pandemic
Pada 22 April 2021, Bank menandatangani On April 22, 2021, the Bank signed an
perjanjian kerja sama dengan PT Asuransi agreement with PT Asuransi Kredit Indonesia
Kredit Indonesia (PT Askrindo) untuk (PT Askrindo) to implement the Government
melaksanakan Penjaminan Pemerintah Dalam Guarantee in the Context of National
Rangka Program Pemulihan Ekonomi Economic Recovery Program. The agreement
Nasional. Perjanjian telah diperbarui pada has been renewed on the November 22, 2022
tanggal 22 November 2022 dan berlaku sejak and valid from January 1, 2022 to January 1,
tanggal 1 Januari 2022 sampai dengan 2025.
1 Januari 2025.
j. Perjanjian dengan Lembaga Pembiayaan j. Agreement with Lembaga Pembiayaan
Ekspor Indonesia (LPEI) Tentang Tata Cara Ekspor Indonesia (LPEI) Regarding the
Penjamin Pemerintah untuk Pelaku Usaha procedure of Government Guarantee for
Korporasi Corporation
Pada 29 Juni 2021, Bank menandatangani On June 29, 2021, the Bank signed an
perjanjian kerja sama dengan Lembaga agreement with Lembaga Pembiayaan Ekspor
Pembiayaan Ekspor Indonesia (LPEI) untuk Indonesia (LPEI) to implement the
melaksanakan Penjaminan Pemerintah Dalam Government Guarantee in the Context of
Rangka Program Pemulihan Ekonomi National Economic Recovery Program for
Nasional untuk Pelaku Usaha Korporasi Corporation, this agreement is valid until
yang akan jatuh tempo pada tanggal December 31, 2024.
31 Desember 2024.
k. Perjanjian dengan PT Visionet Data k. Agreement with PT Visionet Data
Internasional tentang Jasa Layanan Internasional regarding Automated Teller
Maintenance Automated Teller Machine Machine (ATM) Maintenance Services
(ATM)
Pada 13 April 2018, Bank menandatangani On April 13, 2018, the Bank signed a
perjanjian kerja sama dengan PT Visionet cooperation agreement with PT Visionet Data
Data Internasional untuk melaksanakan Jasa Internasional to carry out Automated Teller
Layanan Maintenance Automated Teller Machine (ATM) Maintenance Services. This
164
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Machine (ATM). Perjanjian ini selanjutnya agreement is hereinafter referred to as the
disebut sebagai “Perjanjian Awal”. “Initial Agreement”.
Perjanjian ini telah mengalami beberapa This agreement has undergone several
perubahan, terakhir addendum IV yang amendments, most recently addendum IV
berlaku sampai dengan 31 Desember 2022 which is valid until December 31, 2022 and is
dan diperpanjang secara otomatis untuk automatically extended for the next one year
jangka waktu satu tahun berikutnya dan and is valid forever.
berlaku seterusnya.
l. Perjanjian dengan Grup Agung Sedayu l. Agreement with Agung Sedayu Group
tentang Transaksi Jual Beli Piutang regarding Factoring Transactions for Unit
Pembelian Unit Apartemen Purchases
Bank melakukan perjanjian Jual Beli Piutang The Bank entered into a Factoring Agreement
Pembelian Unit Apartemen: for Purchase of Apartment Units:
• Pada tanggal 29 November 2021, Bank • On November 29, 2021, the Bank has
telah melakukan perjanjian Jual Beli entered into a Factoring Agreement for
Piutang Pembelian Unit Apartemen Purchase of Apartment Units with
dengan PT Mandiri Bangun Makmur, PT Mandiri Bangun Makmur, which
yang sudah dilakukan addendum I pada has been added to addendum I on
tanggal 31 Desember 2021. December 31, 2021.
• Pada tanggal 30 Mei 2022, Bank telah • On May 30, 2022, the Bank entered into a
melakukan perjanjian Jual Beli Piutang Factoring Agreement for Purchase of
Pembelian Unit Apartemen dengan Apartment Units with
PT Multi Artha Pratama, PT Kapuknaga PT Multi Artha Pratama,
Indah, PT Mekaelsa, PT Mandiri Bangun PT Kapuknaga Indah, PT Mekaelsa,
Makmur, PT Kukuh Mandiri Lestari, PT Mandiri Bangun Makmur,
PT Mega Andalan Sukses, PT Bumindo PT Kukuh Mandiri Lestari, PT Mega
Mekar Wibawa, dan PT Sharindo Andalan Sukses, PT Bumindo Mekar
Matratama. Wibawa, and PT Sharindo Matratama.
Perjanjian ini dinyatakan berlaku sejak This agreement is declared valid since it is
ditandatangani oleh para pihak sampai signed by the parties until the parties pay off
dengan para pihak melakukan pelunasan atas all rights and obligations of the transfer/sale
seluruh hak dan kewajiban pengalihan/jual beli and purchase of receivables.
piutang.
Berdasarkan perjanjian tersebut, hak atas Based on the agreement, the right to payment
pembayaran dari piutang tersebut akan of these receivables will become the right of
menjadi hak Bank. Bank telah menunjuk para the Bank. The Bank has appointed these
penjual kredit tersebut untuk mengelola credit sellers to manage bills and receive
tagihan dan menerima pembayaran dari para payments from debtors, which are then
debitur, untuk kemudian langsung diteruskan directly forwarded to the Bank.
kepada Bank.
m. Perjanjian Kerjasama Layanan m. Agreement with Sunline Digital
Implementasi Digital Platform Sunline dan Platform Implementation Services and
Sistem Layanan Pendukung Supporting Service Systems
No.372/NNB/PERJ/VII/2023;No.AMF2B/C/23/ No.372/NNB/PERJ/VII/2023;No.AMF2B/C/23
0103 tanggal 31 Juli 2023 dengan /0103 dated 31 July 2023 with PT Multipolar
PT Multipolar Technology Tbk Technology Tbk
Pada tanggal 31 Juli 2023 Bank On July 31, 2023, the Bank signed a
menandatangani Perjanjian Kerjasama cooperation agreement with Sunline Digital
Layanan Implementasi Digital Platform Sunline Platform Implementation Services and
dan Sistem Layanan Pendukung dengan Supporting Service Systems with Multipolar
PT Multipolar Technology Tbk Perjanjian ini Technology Tbk. This agreement is valid until
berlaku sampai dengan 31 Januari 2026. January 31, 2026.
165
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
43. Informasi Tambahan Arus Kas 43. Additional Information of Cash Flow
a. Transaksi non-kas a. Non-cash transaction
2023 2022
Rp Rp
Penambahan aset The addition of fixed assets
tetap yang berasal dari originating from
transaksi Inbreng 386,397 -- Inbreng transaction
Penambahan aset The addition of
tak berwujud melalui intangible assets through
realisasi uang muka 17,907 -- realization of advance
b. Rekonsiliasi liabilitas yang timbul dari b. Reconciliation of liability arising from
aktivitas pendanaan: financing activity:
Perubahan
31 Des/ non kas/ 31 Des/
Dec 31, Arus Kas/ Non cash Dec 31,
2022 Cash Flow changes 2023
Rp Rp Rp Rp
Liabilitas sewa 7,808 (14,609) 20,012 13,211 Lease liabilities
Total 7,808 (14,609) 20,012 13,211 Total
Perubahan
31 Des/ non kas/ 31 Des/
Dec 31, Arus Kas/ Non cash Dec 31,
2021 Cash Flow changes 2022
Rp Rp Rp Rp
Liabilitas sewa 8.132 (8.620) 8.296 7.808 Lease liabilities
Total 8.132 (8.620) 8.296 7.808 Total
44. Standar Akuntansi dan Interpretasi Standar 44. New Accounting Standard and
yang Telah Disahkan Namun Belum Interpretation of Standard which Has Issued
Berlaku Efektif but Not Yet Effective
Dewan Standar Akuntansi Keuangan Ikatan Financial Accounting Standard Board of
Akuntan Indonesia (“DSAK-IAI”) telah Indonesian Institute of Accountants (“DSAK
menerbitkan standar baru, amandemen dan IAI”) has issued the following new standards,
interpretasi berikut, namun belum berlaku amendments and interpretations, but not yet
efektif untuk tahun buku yang dimulai pada effective for the financial year beginning
1 Januari 2024 adalah sebagai berikut: January 1, 2024 are as follows:
• Amendemen PSAK 1: “Penyajian Laporan • Amendment PSAK 1: “Presentation of
Keuangan” terkait liabilitas jangka panjang Financial Statements” insurance contract
dengan kovenan; regarding long-term liabilities with the
covenant;
• Amendemen PSAK 73: “Sewa” terkait • Amendment PSAK 73: “Leases” regarding
liabilitas sewa pada transaksi jual dan lease liabilities in sale-and-lease back
sewa-balik; transactions;
• Revisi PSAK 101: “Penyajian Laporan • Revised PSAK 101: “Presentation of
Keuangan Syariah”; dan Shariah Financial Statement”; and
• Revisi PSAK 109: “Akuntansi Zakat, Infak, • Revised PSAK 109: “Zakah, Infaq and
dan Sedekah tentang akuntansi zakat, Sadaqah related to accounting of zakah,
infak dan sedekah”. infaq and sadaqah”.
166
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PT BANK NATIONALNOBU Tbk PT BANK NATIONALNOBU Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Dalam Jutaan Rupiah, kecuali dinyatakan lain) (in Million of Rupiah, unless otherwise stated)
Standar baru dan amendemen atas standar New standard and amendment to standard
yang berlaku efektif untuk periode yang which effective for periods beginning on or after
dimulai pada atau setelah 1 Januari 2025, January 1, 2025, with early adoption is
dengan penerapan dini diperkenankan yaitu: permitted, are as follows:
• PSAK 74: Kontrak Asuransi; dan • PSAK 74: Insurance Contract; and
• Amendemen PSAK 74: Kontrak Asuransi • Amendment PSAK 74: Insurance Contract
tentang Penerapan Awal PSAK 74 dan regarding Initial Application of PSAK 74 and
PSAK 71 – Informasi Komparatif. PSAK 71 – Comparative Information.
Hingga tanggal laporan keuangan ini Until the date of the financial statements is
diotorisasi, Bank masih mempelajari dampak authorized, the Bank is still evaluating the
yang mungkin timbul dari penerapan standar potential impact of these new and revised
baru dan revisi tersebut serta pengaruhnya standards to the Bank’s financial statements.
pada laporan keuangan Bank.
DSAK-IAI juga mengesahkan perubahan DSAK-IAI also ratified changes to the numbery
penomoran PSAK dan ISAK yang berlaku of PSAK and ISAK which will be effective on
efektif pada 1 Januari 2024, dimana January 1, 2024. This change does not affect
perubahan ini tidak memengaruhi substansi the substance of the requirement in each
pengaturan dalam masing-masing PSAK dan PSAK and ISAK.
ISAK tersebut.
45. Tanggung Jawab Manajemen atas Laporan 45. Management’s Responsibility on the
Keuangan Financial Statements
Manajemen Bank bertanggung jawab atas Management of the Bank is responsible for the
penyusunan dan penyajian laporan keuangan preparation and presentation of the financial
yang diotorisasi oleh Direksi untuk terbit pada statements which were authorized by Director
tanggal 29 Februari 2024. for issuance on February 29, 2024.
167
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2023 LAPORAN TAHUNAN ANNUAL REPORT PT Bank Nationalnobu Tbk Graha Lippo Jl. Boulevard Diponegoro No. 101 Lippo Village, Tangerang 15810 Banten, Indonesia Telp: +6221 5999 0000
Names mentioned 190 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Operational Review Per Business Segment Nationalnobu Tbk
p.6
unresolved
person
Organ
· Komisaris
p.7 ×2
unresolved
org
Bank Indonesia
p.12 ×27
unresolved
org
PT Ciptadana Securities Penunjang Institutions
p.14
unresolved
org
PT Sharestar Indonesia Professionals
p.14
unresolved
person
Notary
· Notaris
p.14
unresolved
person
Notary : Unita Christina Winata, SH.
· Notaris
p.14 ×2
unresolved
org
Public Accountant : Amir Abadi Jusuf, Aryanto, Mawar & Rekan, firma
· Akuntan Publik
p.14
unresolved
org
Mawar & Rekan
p.14 ×3
unresolved
org
Indonesia Stock Exchange
p.14 ×10
unresolved
org
Bank Kukuhkan Posisi
p.21
unresolved
org
Bank Award XVII
p.21 ×4
unresolved
org
Bank Solidifies Its Position
p.21
unresolved
org
Bank Tandatangani Kerja Sama
p.21
unresolved
org
Bank Signs Cooperation
p.21
unresolved
org
Bank Salurkan Modal Usaha Ultra Mikro
p.22
unresolved
org
PT Amartha Mikro Fintek
p.22 ×2
unresolved
org
Bank Gajah Mada Tower
p.22
unresolved
org
Bank Sepakati Kerja Sama Pemberdayaan
p.22
unresolved
org
Bank Tingkatkan Layanan Program JKN
p.23
unresolved
org
Bank Enhances JKN Program Services
p.23
unresolved
org
Financial Services Authority
p.32 ×8
unresolved
org
Bank Awards
p.32 ×2
unresolved
org
Bank Award
p.32
unresolved
org
MANAJEMEN Management Report Prof. Adrianus Mooy
p.34
unresolved
org
Bank Indonesia’s
p.37 ×2
unresolved
person
Suhaimin Djohan
· Direktur Utama
p.41 ×12
unresolved
person
Januar Angkawidjaja
· Direktur
p.41 ×8
unresolved
person
Andrian Meirawan Saputra
· Direktur
p.41 ×19
unresolved
org
Sentral Efek Indonesia
p.41 ×2
unresolved
org
Bank Umum Devisa
p.46
unresolved
—
As of December 31, 2023
p.46
unresolved
person
Drs. Entjoen Mansoer Wiriaatmadja
p.46 ×4
unresolved
org
PT Putera Mulia Indonesia
p.46 ×2
unresolved
org
PT Inti Anugerah Pratama
p.46 ×2
unresolved
org
PT Prima Cakrawala Sentosa
p.46 ×2
unresolved
org
Nomura Securities Co Ltd
p.46 ×2
unresolved
org
Matahari Department Store Tbk
p.46 ×2
unresolved
—
Stock Exchange
p.46
unresolved
—
Contact Center
p.46
unresolved
—
Nobu Call: 1-500-278
p.46
unresolved
—
Listing Date
p.46
unresolved
org
Nobu Bank
p.46
unresolved
org
PT Kharisma Buana Nusantara
p.49
unresolved
person
Mochtar Riady
p.49 ×2
unresolved
org
Bank Devisa.
p.50 ×2
unresolved
org
PT Kharisma Buana Nu-
p.52
unresolved
person
Mochtar Ri-
p.52
unresolved
org
Bank Administrator Rekening Dana Nasabah
p.57
unresolved
person
H. Juanda.
p.65 ×3
unresolved
org
Bank R.S. Siloam
p.65
unresolved
person
H. Thamrin
p.65 ×2
unresolved
person
KHZ. Mustofa
p.67
unresolved
org
PT Penuin
p.68
unresolved
person
H. Zainul Arifin
p.68
unresolved
person
Human Resource
· Director
p.70
unresolved
person
Profile Prof. Adrianus Mooy
p.72 ×22
unresolved
org
Menteri Utama Ekonomi
p.72
unresolved
org
Ministry of Economy and Finance
p.72
unresolved
org
Perencanaan Pembangunan
p.72
unresolved
org
Kementerian Koordinator Ekonomi
p.72
unresolved
org
Pekerja MPR-RI
· Anggota
p.73
unresolved
—
GBHN
· Anggota
p.73 ×2
unresolved
—
Monetary
· Anggota
p.73
unresolved
org
Ministry of Foreign Affairs
p.73
unresolved
org
PT Strategic Asia
p.73 ×3
unresolved
org
PT Lippo
p.73
unresolved
org
Senior Karawaci Tbk
· Komisaris Independen
p.73
unresolved
org
Putra Prima Tbk
· Independent Commissioner
p.73
unresolved
org
Sertifikasi Manajemen Risiko
p.73 ×2
unresolved
org
Directorate General of Population
p.73
unresolved
—
Australia. Diangkat
· Komisaris Independen
p.74
unresolved
org
PT Stephens Utama
p.74
unresolved
org
Pan Indonesia Tbk
p.74
unresolved
org
PT Stephens Utama International Leasing
p.74
unresolved
org
Bank Perniagaan
p.74
unresolved
org
Bank Perniagaan Indonesia
p.74
unresolved
org
PT Bank CIMB Niaga. CIMB Niaga. Telah
p.74
unresolved
org
Niaga Tbk.
p.76 ×2
unresolved
org
PT CIMB Niaga Tbk.
p.76
unresolved
org
Bank Sewu
p.78 ×2
unresolved
org
Bank Division Head
p.78
unresolved
org
PT Kencana Internusa Artha Finance
p.78
unresolved
org
Swiss Bank Corporation
p.80 ×2
unresolved
org
Kementerian Komunikasi dan Informatika Republik
p.80
unresolved
org
Ministry of Communication
p.80
unresolved
org
Bank Lippo Tbk
p.82 ×18
unresolved
org
PT Bank Dana Asia
p.82
unresolved
person
Served
· Director
p.84 ×2
unresolved
org
PT Bank Tabungan Pensiunan Nasional Tabungan Pensiunan Nasional
p.84
unresolved
org
Bank Commonwealth
p.84
unresolved
org
PT Visionet
p.84
unresolved
org
PT Visionet Internasional
p.84
unresolved
org
PT Veritra Sentosa Internasional
p.84
unresolved
org
PT Veritra
p.84
unresolved
org
Pengawas
p.85 ×2
unresolved
org
Bapepam
p.85 ×8
unresolved
org
Departemen Keuangan.
p.85
unresolved
org
PT Pelayaran Samudera Djakarta Lloyd
p.85 ×2
unresolved
org
PT Bhakti Capital Investment
p.85
unresolved
org
Bhakti Capital Investment Indonesia Tbk
p.85 ×2
unresolved
org
Indonesia Tbk
p.85
unresolved
org
Hanson International Tbk
p.85 ×4
unresolved
org
PT Sorini Agro
p.85
unresolved
org
Sorini Agro Asia Corporindo Tbk
p.85 ×2
unresolved
org
Asia Corporindo Tbk
p.85
unresolved
org
Menteri Negara
p.85 ×2
unresolved
org
Kementerian BUMN. Saat
p.85
unresolved
org
Ministry of State Enterprises
p.85
unresolved
org
Ministry of SOEs. Currently
p.85
unresolved
org
PT Home Staf Ahli
p.85
unresolved
org
Kementerian Komunikasi
p.87
unresolved
org
Ministry of Communication and Informatics dan Informatika Republik Indonesia.
p.87
unresolved
org
Lippo Bank Tbk
p.88 ×2
unresolved
org
Bank Quality Assurance.
p.88
unresolved
org
Bank Quality Assurance. Menjadi Anggota Komite Audit
p.88
unresolved
org
Matahari Departement Store Tbk
p.93 ×2
unresolved
org
OCBC Securities Pte Ltd -Client A/C
p.93
unresolved
org
Nomura Securities Co Ltd A/C Client
p.93
unresolved
org
PT Trijaya Masyarakat Capital Limited
p.94
unresolved
org
PT Trijaya Masyarakat
p.94
unresolved
org
PT Lenox Pasifik
p.94
unresolved
org
Investama Tbk
p.94
unresolved
org
PT Puspamelati Saham Tresuri
p.94
unresolved
org
Buana Tbk
p.94
unresolved
org
PT Prima
p.94
unresolved
org
PT Grahaputra
p.94
unresolved
org
PT Putera Mulia Cakrawala
p.94
unresolved
org
Store Tbk
p.94
unresolved
org
PT Sharestar Indonesia
p.95
unresolved
person
Nindyo
· Notaris
p.95
unresolved
org
Bank Penyelenggara
p.96 ×2
unresolved
org
Bank Berpredikat
p.96
unresolved
org
Bank Assets Category Gold
p.97
unresolved
org
Pusat
p.100
unresolved
org
Bank Sentral Amerika
p.109 ×2
unresolved
org
Private Limited
p.130
unresolved
org
Departemen Anti-Fraud.
p.149
unresolved
person
Prof. Adrianus
p.154 ×2
unresolved
person
Prof. Mooy MSc. PhD
p.154 ×2
unresolved
person
Dewi Pandamamsari
· Komisaris Independen
p.154
unresolved
person
Dewi Pandamsari
· Commissioner
p.154 ×5
unresolved
person
Tjiandrasa Ng
· Commissioner
p.154
unresolved
org
Mawar & Partners
p.156
unresolved
person
Delegating
· Komisaris
p.156
unresolved
org
Kantor Akuntan Publik Independen
p.156 ×2
unresolved
person
Prof. Dr. MSc
p.157
unresolved
org
Minister of Law and Human
p.157
unresolved
org
PT NATIONALNOBU
p.160
unresolved
org
Minister of Law and Human Rights
p.160
unresolved
org
Menteri
p.160
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