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LAPORAN TATA KELOLA PERUSAHAAN LAPORAN INFORMASI STRUKTUR PERMODALAN LAPORAN TANGGUNG JAWAB LAPORAN KEUANGAN AUDIT
GOOD CORPORATE GOVERNANCE DAN EKSPOSUR RISIKO SOSIAL PERUSAHAAN AUDITED FINANCIAL STATEMENT
CAPITAL INFORMATION AND RISK EXPOSURE CORPORATE SOCIAL
RESPONSIBILITY REPORT
Aksi Lokal Menuju Global
Local Action Goes Global
Era globalisasi tampak begitu nyata dengan kemudahan akses digital di berbagai
penjuru dunia. Salah satu pemanfaat teknologi digital untuk peningkatan
perekonomian adalah mendorong perluasan produk UMKM yang berorientasi
global, yang memiliki kualitas yang stabil, bermutu yang baik, dapat dipenuhi secara
kontinu dan harga yang kompetitif di pasar serta dapat merespon perkembangan
teknologi yang menjadi kriteria produk yang diperlukan oleh pelaku UMKM.
Untuk itu Bank Sulselbar telah menetapkan langkah strategis di bidang
pengembangan teknologi informasi yang diterapkan Perseroan dilakukan untuk
terus mempertahankan market share-nya dan memperluas pangsa pasar, daya
saing bisnis agar makin berdaya saing tinggi. Apalagi strategi tersebut, sejauh ini
ternyata ampuh dalam menjaga pertumbuhan Bank Sulselbar yang kian berperan
dalam memajukan ekonomi, termasuk para UMKM yang ada di Sulselbar, serta
menjadikan Bank Sulselbar menjadi Top of Mind di Sulawesi Selatan dan Barat.
Kehadiran teknologi informasi dan teknologi komunikasi mempercepat akselerasi
proses lokal menuju global.
The era of globalization seems very real with the ease of digital access in various
corners of the world. One of the uses of digital technology to improve the economy
is to encourage the expansion of globally oriented MSME products, which have
stable quality, are of good quality, can be supplied continuously and at competitive
prices in the market, and can respond to technological developments which are
the product criteria required by players. MSMEs.
For this reason, Bank Sulselbar has determined strategic steps in the field of
information technology development implemented by the Company to maintain
its market share and expand market share so that the competitiveness of the
business becomes more highly competitive. Moreover, this strategy has so far
turned out to be effective in maintaining the growth of Bank Sulselbar, which
is increasingly playing a role in advancing the economy, including MSMEs in
Sulselbar, as well as making Bank Sulselbar the Top of Mind in South and West
Sulawesi. The presence of information technology and communication technology
accelerates the acceleration of local to global processes.
1
PT Bank Sulselbar I Annual Report 2023
Page 4
PENDAHULUAN
INTRODUCTION LAPORAN MANAJEMEN PROFIL PERUSAHAAN TINJAUAN PENDUKUNG BISNIS ANALISA DAN PEMBAHASAN KINERJA
MANAGEMENT REPORT COMPANY PROFILE BUSINESS SUPPORTING OVERVIEW BANK OLEH MANAJEMEN
ANALYSIS AND DISCUSSION OF BANK
PERFORMANCE BY MANAGEMENT
Kesinambungan Tema
Theme Continuity
2019 2020
Memperkuat Keunggulan Digital
Pertumbuhan Lebih Kuat Melalui untuk Kinerja lebih Baik
Pengembangan Digital
Strengthening Digital
Stronger Growth Through Excellence for Better
Digital Furtherance Performance
Teknologi digital telah mengubah lanskap industri perbankan dan peta persaingan usaha. Persaingan yang semakin tinggi di industri jasa keuangan, mendorong pelaku industri untuk
Bank Sulselbar mengambil inisiatif terdepan untuk fokus mengembangkan layanan terus berinovasi meningkatkan kualitas pelayanan kepada Nasabah dengan lebih efektif
digital untuk memperkuat daya saing Bank. Pengembangan layanan digital juga telah dan efisien. Salah satunya, melalui penguatan keunggulan digital untuk memberi pelayanan
mengantarkan Bank Sulselbar meraih pertumbuhan usaha yang lebih kuat di tahun 2019. optimal kepada Nasabah.
Digital technology has changed the landscape of the banking industry and the business Dengan dasar itu, inovasi dan transformasi dalam era digital ini terus dilakukan Bank
competition map. Bank Sulselbar takes a leading initiative to develop digital services to Sulselbar. Karena Bank Sulselbar meyakini, inovasi dalam digitalisasi perbankan selain
strengthen Bank’s competitiveness. The development of digital services has also led Bank dapat meningkatkan kepuasan Nasabah juga berkontribusi positif dalam meningkatkan
Sulselbar to achieve more robust business growth in 2019. kinerja Bank dan memperkuat pondasi bisnis berkelanjutan Perusahaan.
Increasing competition in the financial services industry encourages industry players to
continue innovating in improving service quality to customers more effectively and efficiently.
One of them is strengthening digital excellence to provide optimal service to customers.
On this basis, Bank Sulselbar continues to innovate and transform in this digital era because
Bank Sulselbar believes that innovation in banking digitalization can increase customer
satisfaction and contribute positively to improving Bank’s performance and strengthen the
foundation of the Company’s sustainable business.
2021
Pertumbuhan Lebih Kuat Melalui
Pengembangan Digital
Resilience & Growth
in New Normal
Perekonomian global terus menuju ke pemulihan dari dampak pandemi Covid-19. Telah
dua puluh satu bulan dunia hidup bersama pandemi Covid-19. Dari hidup dalam ketakutan
dan kepanikan, kemudian dapat bertahan, hingga kini bangkit dan optimis untuk hidup lebih
baik, dengan kebiasaan, budaya, dan peradaban baru. Begitu pula dengan perkembangan
ekonomi, setelah selamat dari resesi tahun lalu, kini terus membaik dan menuju ke
pemulihan ekonomi domestik yang semakin kuat.
Perbankan merupakan jantung bagi kelancaran aliran darah aktivitas ekonomi di suatu
2022
perekonomian. Perbankan mempunyai peranan yang sangat strategis, salah satunya
sebagai lembaga intermediasi aliran dana dari pemerintah ke masyarakat atau sebaliknya. Tumbuh, Bersinergi,
Selain itu perbankan mempunyai fungsi menjaga ketahanan dan keberlangsungan Berkelanjutan
dunia usaha (sektor riil) sekaligus menjaga stabilitas sektor keuangan menjadi penentu
keberhasilan dalam menghindari terjadinya krisis. Salah satunya melalui Kebijakan Grow, Synergize, and Sustain
restrukturisasi (kredit) ini membantu dunia usaha sekaligus membantu sektor keuangan.
Sebagai negara dengan sistem ekonomi terbuka, Indonesia tidak terlepas dari dampak
Bank Sulselbar sebagai salah satu bank milik pemerintah daerah, memiliki komitmen untuk gejolak global yang sering mengancam terjadinya risiko krisis ekonomi. Sinergitas antara
mendorong pemulihan ekonomi nasional melalui sejumlah langkah nyata yang difokuskan Bank Sulselbar, pemerintah, dan pelaku usaha khususnya UMKM, merupakan suatu
pada upaya penyelamatan dan recovery usaha mikro, kecil, dan menengah (UMKM) dari keharusan guna terciptanya ekosistem yang kondusif dalam membantu pemulihan
tekanan dampak pandemi covid-19. Diantaranya adalah melalui Penyaluran kredit ke perekonomian pasca pandemi.
UMKM dan digitalisasi produk melalui pelayanan digital banking.
Dengan pelayanan maksimal yang telah dilakukan selama ini, Bank Sulselbar berharap
The global economy continues to recover from the effects of the Covid-19 pandemic. It UMKM bisa semakin berkembang mencapai kesuksesan, tetap eksis, jaya, tumbuh dan
has been twenty-one months since the world has lived with the Covid-19 pandemic. From berkembang menjadi salah satu penggerak perekononomian daerah guna terciptanya
living in fear and panic, it was then surviving, until now rising and optimistic for a better life, pertumbuhan ekonomi yang berkelanjutan.
with new habits, cultures, and civilizations. Likewise, after surviving last year’s recession,
economic development is now continuing to improve and leading to a more robust domestic As a country with an open economic system, Indonesia is inseparable from the impact of
economic recovery. global turmoil, which often threatens the risk of a financial crisis. The synergy between
Bank Sulselbar, the government, and business actors, especially MSMEs, must create a
Banking is the heart of the smooth flow of economic activity in an economy. Banking has a conducive ecosystem in helping post-pandemic economic recovery.
very strategic role, one of which is an intermediary institution for the flow of funds from the
government to the community or vice versa. In addition, banking maintains the resilience With the full service that has been carried out so far, Bank Sulselbar hopes that MSMEs can
and sustainability of the business world (real sector) and supports the financial industry’s further develop to achieve success, continue to exist, prosper, grow, and become one of the
stability, which is a determinant of success in avoiding a crisis. One of them is through this drivers of the regional economy to create sustainable economic growth.
restructuring (credit) policy to help the business world and help the financial sector.
Bank Sulselbar, as one of the regional government-owned banks, commits to encouraging
national economic recovery through several concrete steps focused on efforts to save and
recover micro, small and medium enterprises (MSMEs) from the pressures of the COVID-19
pandemic. Among them are disbursing credit to MSMEs and digitizing products through
digital banking services.
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PT Bank Sulselbar I Laporan Tahunan 2023
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LAPORAN TATA KELOLA PERUSAHAAN LAPORAN INFORMASI STRUKTUR PERMODALAN LAPORAN TANGGUNG JAWAB LAPORAN KEUANGAN AUDIT
GOOD CORPORATE GOVERNANCE DAN EKSPOSUR RISIKO SOSIAL PERUSAHAAN AUDITED FINANCIAL STATEMENT
CAPITAL INFORMATION AND RISK EXPOSURE CORPORATE SOCIAL
RESPONSIBILITY REPORT
Aksi Lokal Menuju Global
Local Action Goes Global
Era globalisasi tampak begitu nyata dengan kemudahan akses digital di berbagai penjuru dunia. Salah satu pemanfaat teknologi
digital untuk peningkatan perekonomian adalah mendorong perluasan produk UMKM yang berorientasi global, yang memiliki
kualitas yang stabil, bermutu yang baik, dapat dipenuhi secara kontinu dan harga yang kompetitif di pasar serta dapat merespon
perkembangan teknologi yang menjadi kriteria produk yang diperlukan oleh pelaku UMKM.
Untuk itu Bank Sulselbar telah menetapkan langkah strategis di bidang pengembangan teknologi informasi yang diterapkan
Perseroan dilakukan untuk terus mempertahankan market share-nya dan memperluas pangsa pasar, daya saing bisnis agar
makin berdaya saing tinggi. Apalagi strategi tersebut, sejauh ini ternyata ampuh dalam menjaga pertumbuhan Bank Sulselbar
yang kian berperan dalam memajukan ekonomi, termasuk para UMKM yang ada di Sulselbar, serta menjadikan Bank Sulselbar
menjadi Top of Mind di Sulawesi Selatan dan Barat. Kehadiran teknologi informasi dan teknologi komunikasi mempercepat
akselerasi proses lokal menuju global.
The era of globalization seems very real with the ease of digital access in various corners of the world. One of the uses of
digital technology to improve the economy is to encourage the expansion of globally oriented MSME products, which have
stable quality, are of good quality, can be supplied continuously and at competitive prices in the market, and can respond to
technological developments which are the product criteria required by players. MSMEs.
For this reason, Bank Sulselbar has determined strategic steps in the field of information technology development implemented
by the Company to maintain its market share and expand market share so that the competitiveness of the business becomes
more highly competitive. Moreover, this strategy has so far turned out to be effective in maintaining the growth of Bank Sulselbar,
which is increasingly playing a role in advancing the economy, including MSMEs in Sulselbar, as well as making Bank Sulselbar
the Top of Mind in South and West Sulawesi. The presence of information technology and communication technology accelerates
the acceleration of local to global processes.
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PT Bank Sulselbar I Annual Report 2023
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PENDAHULUAN
INTRODUCTION LAPORAN MANAJEMEN PROFIL PERUSAHAAN TINJAUAN PENDUKUNG BISNIS ANALISA DAN PEMBAHASAN KINERJA
MANAGEMENT REPORT COMPANY PROFILE BUSINESS SUPPORTING OVERVIEW BANK OLEH MANAJEMEN
ANALYSIS AND DISCUSSION OF BANK
PERFORMANCE BY MANAGEMENT
Tentang Laporan Tahunan 2023
About the 2023 Annual Report
Selamat datang pada Laporan Tahunan Bank Sulselbar 2023 dengan tema “Aksi Lokal Menuju Global”. Tema tersebut dipilih
berdasarkan analisis dan kajian yang mendalam berdasarkan fakta dan perkembangan bisnis Bank Sulselbar sepanjang 2023
serta masa depan keberlanjutan Bank Sulselbar ke arah yang lebih baik.
Laporan Tahunan Bank Sulselbar 2023 diterbitkan sesuai POJK Nomor 37/POJK.03/2019 dan SEOJK Nomor 9/SEOJK.03/2020
tentang Transparansi dan Publikasi Laporan Bank; POJK Nomor 51/POJK.03/2017 tentang Penerapan Keuangan
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik dan SEOJK Nomor 16/SEOJK.04/2021 tentang
Laporan Tahunan Emiten atau Perusahaan Publik serta Kriteria ARA tahun 2022, Corporate Governance Scorecard dan
Pedoman Umum Governansi Korporate Indonesia.
Perseroan juga menyampaikan beberapa aspek yang merupakan bagian dari pengembangan dan interpretasi atas isi Laporan
Tahunan. Dengan demikian, Perseroan mengharapkan Laporan Tahunan ini dapat mendorong peningkatan keterbukaan
informasi yang wajar seiring dengan terpenuhinya aspek komposisi dan aspek substansi. Semua informasi keuangan disajikan
dalam mata uang Rupiah sesuai dengan Standar Akuntasi Keuangan Indonesia.
Laporan Tahunan Bank Sulselbar 2023 disajikan dalam dua bahasa, yaitu Bahasa Indonesia dan Bahasa Inggris dengan
menggunakan jenis dan ukuran huruf yang mudah dibaca dan dicetak dengan kualitas yang baik.
Welcome to the 2023 Bank Sulselbar Annual Report with the theme “Local Action Goes Global.” This theme was chosen based
on in-depth analysis and study based on facts and business developments at Bank Sulselbar throughout 2023, as well as the
future of Bank Sulselbar’s sustainability in a better direction.
The 2023 Bank Sulselbar Annual Report is published by POJK Number 37/POJK.03/2019 and SEOJK Number 9/
SEOJK.03/2020 concerning Transparency and Publication of Bank Reports; POJK Number 51/POJK.03/2017 concerning
the Implementation of Sustainable Finance for Financial Services Institutions, Issuers and Public Companies and SEOJK
Number 16/SEOJK.04/2021 concerning Annual Reports of Issuers or Public Companies and the 2022 ARA Criteria, Corporate
Governance Scorecard and General Guidelines for Indonesian Corporate Governance.
The Company also conveys several aspects that are part of the development and interpretation of the contents of the Annual
Report. Thus, the Company hopes this Annual Report can increase reasonable information disclosure in line with the fulfillment
of composition and substance aspects. All financial information is presented in Rupiah currency by Indonesian Financial
Accounting Standards.
The 2023 Bank Sulselbar Annual Report is presented in two languages, Indonesian and English, using letters of different types
and sizes that are easily read and printed with good quality.
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PT Bank Sulselbar I Laporan Tahunan 2023
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LAPORAN TATA KELOLA PERUSAHAAN LAPORAN INFORMASI STRUKTUR PERMODALAN LAPORAN TANGGUNG JAWAB LAPORAN KEUANGAN AUDIT
GOOD CORPORATE GOVERNANCE DAN EKSPOSUR RISIKO SOSIAL PERUSAHAAN AUDITED FINANCIAL STATEMENT
CAPITAL INFORMATION AND RISK EXPOSURE CORPORATE SOCIAL
RESPONSIBILITY REPORT
Sanggahan & Batasan Tanggung Jawab
Disclaimer and Limitation of Liability
Laporan Tahunan ini memuat pernyataan kondisi keuangan, hasil operasi, proyeksi, rencana, strategi, kebijakan, serta tujuan
Bank yang digolongkan sebagai pernyataan ke depan dalam pelaksanaan Perundang-undangan yang berlaku, kecuali hal-
hal yang bersifat historis. Pernyataan-pernyataan tersebut memiliki prospek risiko, ketidakpastian, serta dapat mengakibatkan
perkembangan aktual secara material berbeda dari yang dilaporkan.
Pernyataan-pernyataan prospektif dalam laporan tahunan ini dibuat berdasarkan berbagai asumsi mengenai kondisi terkini
dan kondisi mendatang Bank serta lingkungan bisnis di mana Bank menjalankan kegiatan usaha. Bank tidak menjamin bahwa
dokumen-dokumen yang telah dipastikan keabsahannya akan membawa hasil-hasil tertentu sesuai harapan.
Laporan tahunan ini memuat kata “Bank Sulselbar”, “Bank “, “Perusahaan” dan “Perseroan” yang didefinisikan sebagai PT
Bank Pembangunan Daerah Sulawesi Selatan dan Sulawesi Barat yang menjalankan bisnis dalam bidang Jasa Perbankan.
This Annual Report contains statements of financial conditions, operating results, projections, plans, strategies, policies, and
objectives of the Bank that are classified as forward-looking statements in the implementation of applicable laws, except for
matters of a historical nature. These statements involve prospective risks and uncertainties and may cause actual developments
to be materially different from those reported.
The prospective statements in this annual report are based on various assumptions regarding the Bank’s current and future
conditions and the business environment in which the Bank carries out its business activities. The Bank does not guarantee
that documents whose validity has been confirmed will bring certain results as expected.
This annual report contains the words “Bank Sulselbar,” “Bank,” “Company,” and “Company,” which are defined as PT Bank
Pembangunan Daerah Sulawesi Selatan dan Sulawesi Barat which carries out business in the field of Banking Services.
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PT Bank Sulselbar I Annual Report 2023
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PENDAHULUAN
INTRODUCTION LAPORAN MANAJEMEN PROFIL PERUSAHAAN TINJAUAN PENDUKUNG BISNIS ANALISA DAN PEMBAHASAN KINERJA
MANAGEMENT REPORT COMPANY PROFILE BUSINESS SUPPORTING OVERVIEW BANK OLEH MANAJEMEN
ANALYSIS AND DISCUSSION OF BANK
PERFORMANCE BY MANAGEMENT
Daftar Isi
Table of Contents
LAPORAN MANAJEMEN
MANAGEMENT REPORTS
36
Laporan Dewan Komisaris
01 PENDAHULUAN 38
Board of Commissioners Report
INTRODUCTION Laporan Direksi
52
Pejelasan Tema Directors' Report
1
Theme Explanation Surat Pernyataan Tentang Tanggung
Kesinambungan Tema Jawab atas Isi Laporan Tahunan 76
2 Statement Letter Regarding Responsibility
Theme Continuity
for the Contents of the Annual Report
Tentang Laporan Tahunan 2023
4
About the 2023 Annual Report
Sanggahan & Batasan Tanggung Jawab
5
Disclaimer and Limitation of Liability
Daftar Isi
6
Table of Contents
Sekilas Tentang Bank Sulselbar
10
A Glimpse into Bank Sulselbar
Jejak Langkah
Milestones
12 78 PROFIL PERUSAHAAN
COMPANY PROFILE
Capaian Penting Identitas Perusahaan 80 Corporate Identity
18
Important Achievements Riwayat Singkat Perusahaan 82 Brief History of the Company
Ikhtisar Data Keuangan Penting Visi dan Misi 85 Vision and Mision
20
Important Financial Data Overview Kegiatan Usaha 86 Business Activities
Laba Rugi Segmen Usaha 88 Business Segment
24
Profit and Loss Tujuan, Kebijakan dan 100 Company Goals, Policies and
Laporan Arus Kas Strategi Perusahaan Strategies
26
Cash Flow Statement Keanggotaan dalam Asosiasi 103 Membership in the Association
Rasio Keuangan Struktur Organisasi 104 Organizational structure
27
Financial Ratios Profil Dewan Komisaris 106 Board of Commissioners Profile
Ikhtisar Operasional Profil Dewan Pengawas 112
28 Sharia Supervisory Board Profile
Operational Overview Syariah
Ikhtisar Kinerja Lainnya Profil Direksi 116 Board of Directors Profile
30
Other Performance Overview Profil Pemimpin Divisi 126 Head of Division Profile
Ikhtisar Saham Profil dan Pengembangan 134
31 Employee Competency Profile
Stock Overview Kompetensi Pegawai Tahun
and Development in 2023
Peristiwa Penting Tahun 2023 2023
34 Informasi Pemegang Saham 138 Shareholder Information
Important Events of 2023
Informasi Penggunaan Jasa 149 Information on the Use of Public
Akuntan Publik Accounting Services
149 List of Names and Addresses
Daftar Nama dan Alamat
of Supporting Professional
Lembaga Profesi Penunjang
Institutions
Penghargaan dan Sertifikat 150 Awards and Certificates
Yang Diraih Selama 2023 Achieved During 2023
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PT Bank Sulselbar I Laporan Tahunan 2023
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LAPORAN TATA KELOLA PERUSAHAAN LAPORAN INFORMASI STRUKTUR PERMODALAN LAPORAN TANGGUNG JAWAB LAPORAN KEUANGAN AUDIT
GOOD CORPORATE GOVERNANCE DAN EKSPOSUR RISIKO SOSIAL PERUSAHAAN AUDITED FINANCIAL STATEMENT
CAPITAL INFORMATION AND RISK EXPOSURE CORPORATE SOCIAL
RESPONSIBILITY REPORT
Nama dan Alamat Kantor, 152 Name and Address of Office,
Entitas Anak, dan Entitas Subsidiaries and Associated
Asosiasi Entities
Wilayah Operasional 158
Company Operational Area
Perusahaan
Informasi Website
Perusahaan
160
Corporate Website Information 168 TINJAUAN PENDUKUNG BISNIS
BUSINESS SUPPORT REVIEW
Pendidikan dan/atau 162 Education and/or Training for Sumber Daya Manusia 170 Human Resources
Pelatihan Dewan Komisaris, the Board of Commissioners, Teknologi Informasi 189 Information Technology
Direksi, Komite-komite, Directors, Committees,
Sekretaris Perusahaan, dan Corporate Secretary and
Unit Audit Internal Internal Audit Unit
ANALISA DAN PEMBAHASAN
KINERJA BANK OLEH MANAJEMEN
202 ANALYSIS AND DISCUSSION OF BANK
PERFORMANCE BY MANAGEMENT
Tinjauan Ekonomi 204 Economic Review Kebijakan Dividen 306 Dividend Policy
Tinjauan Operasional 216 Operational Review Realisasi Penggunaan Dana 308 Realization of Use of Public
Hasil Penawaran Umum Offering Proceeds
246 Financial Performance
Analisis Kinerja Keuangan 309 Material Information,
Analysis Informasi Material, Mengenai
Regarding Investment,
Analisis Laba Rugi dan 267 Analysis of Profit and Loss Investasi, Ekspansi,
Expansion, Divestment,
Penghasilan Komprehensif and Other Comprehensive Divestasi, Penggabungan/
Business Merger/
Lainnya Income Peleburan Usaha, Akuisisi,
Consolidation, Acquisition,
Laporan Arus Kas 274 Cash Flow Statement Restrukturisasi Utang/Modal,
Debt/Capital Restructuring,
Analisis Tingkat Kolektibilitas 278 Analysis of Receivables Transaksi Material, Transaksi
Material Transactions, Affiliate
Piutang Collectibility Level Afiliasi, Dan Transaksi
Transactions, and Conflict
Benturan Kepentingan, Yang
Analisis Kemampuan 280 Analysis of Ability to Pay of Interest Transactions, that
Terjadi Pada Tahun Buku
Membayar Kewajiban Liabilites occurred in the Fiscal Year
Struktur Modal 284 Capital Structure Perubahan Peraturan 317
Changes in Legislation and
287 Material Agreements Perundang-Undangan
Ikatan Material Untuk their Impact on Bank
for Capital Expenditure dan Dampaknya Terhadap
Investasi Barang Modal Performance
Investment Kinerja Bank
290 Capital Expenditure Perubahan Kebijakan 318 Changes in Accounting
Ikatan Investasi Barang Modal Akuntansi Policies
Investment Bonds to be
yang Direalisasikan Pada Kontribusi Kepada Negara 320 Contribution to the Country
Realized in Financial Year
Tahun Buku 2023
2023 Aset Produktif 323 Earning Assets
Kejadian Penting setelah 292 Important Events after the Rasio Keuangan 324 Financial Ratios
Tanggal Neraca Balance Sheet Date Informasi Kelangsungan 325 Business Continuity
Prospek Usaha 292 Business Prospect Usaha Information
Target dan Realisasi 296 Target and Realization
Aspek Pemasaran 299 Marketing Aspect
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PT Bank Sulselbar I Annual Report 2023
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PENDAHULUAN
INTRODUCTION LAPORAN MANAJEMEN PROFIL PERUSAHAAN TINJAUAN PENDUKUNG BISNIS ANALISA DAN PEMBAHASAN KINERJA
MANAGEMENT REPORT COMPANY PROFILE BUSINESS SUPPORTING OVERVIEW BANK OLEH MANAJEMEN
ANALYSIS AND DISCUSSION OF BANK
PERFORMANCE BY MANAGEMENT
LAPORAN TATA KELOLA
328
PERUSAHAAN
CORPORATE GOVERNANCE REPORT
Rapat Umum Pemegang 336 General Meeting of Laporan Penilaian Tata Kelola 591 Corporate Governance
Saham (RUPS) Shareholders (GMS) Perusahaan Assessment Report
Direksi 354 Board of Directors 604 Implementation of Public
Penerapan Aspek dan Prinsip
Dewan Komisaris 374 Board of Commissioners Company Governance
Tata Kelola Perusahaan
Aspects and Principles by
Komisaris Independen 397 Independent Commissioners Terbuka Sesuai Ketentuan
Financial Services
dan Independensi Dewan and Independence of the Otoritas Jasa Keuangan
Authority Regulations
Komisaris Board of Commissioners
Pengungkapan Terkait 606
401 Disclosures related Disclosures Regarding
Pengungkapan terkait Penerapan atas Pedoman
to Nomination and Implementation of Company
Nominasi dan Remunerasi Governansi Perusahaan
Remuneration for Directors Governance Guidelines with
Direksi dan Dewan Komisaris dengan Pendekatan
and Board of Commissioners Approach “Comply or Explain”
“Comply or Explain “ atau
Komite di Bawah Dewan 409 Committees under the Board or “Apply or Explain”
“Apply or Explain”
Komisaris of Commissioners
Fungsi Kepatuhan 618 Compliance Function
445 Board of Commissioners
Sekretaris Dewan Komisaris Penyediaan Dana kepada 629 Provision of Funds to Related
Secretary
Pihak Terkait dan Penyediaan Parties and Provision of Large
Dewan Pengawas Syariah 446 Sharia Supervisory Board Dana Besar Funds
453 Committees under the Board Pemberian Dana untuk 630 Providing Funds for Social
Komite Dibawah Direksi
of Directors Kepentingan Sosial dan/ Interests and/or Political
Sekretaris Perusahaan 494 Corporate Secretary atau Kegiatan Politik Activities
Audit Eksternal 500 External Audit Transaksi yang Mengandung 631 Transactions Containing
Audit Internal 504 Internal Audit Benturan Kepentingan Conflicts of Interest
Sistem Pengendalian Internal 521 Internal Control System Buy Back Shares dan Buy 632 Buy Back Shares and Buy
Manajemen Risiko 531 Risk management Back Obligasi Back Bond
Perkara Penting yang Sedang 546 Important Cases Currently Transparansi Kondisi 634 Transparency of Bank
Dihadapi Perusahaan, Entitas Facing the Company, Keuangan dan Non- Financial and Non-Financial
Anak, Dewan Komisaris, Subsidiaries, Board of Keuangan Bank Conditions
dan Direksi Commissioners and Directors Transparansi Informasi 636
Transparency of Product
Sanksi Administratif 547 Administrative Sanctions Produk, Penggunaan
Information, Data Use, and
Data dan Perlindungan
Kode Etik 548 Code of Conducts Customer Protection
Nasabah
Kebijakan Pemberian 555
Performance Based Long Kebijakan Pengadaan Barang 638 Goods and Services
Kompensasi Jangka Panjang
Term Compensation Policy dan Jasa serta Procurement Policy as well
Berbasis Kinerja
(E Procurement, SOP, dan (E-Procurement, SOP, and
556 Affiliate Relationship Etika) Ethics)
Hubungan Afiliasi Antara
Between Members of the
Anggota Direksi, Dewan Perlindungan Hak Kreditur 642 Protection of Creditor Rights
Board of Directors, Board of
Komisaris, dan Pemegang Akses Informasi dan Data 643 Access Company Information
Commissioners and Major
Saham Utama Perusahaan and Data
Shareholders
Kebijakan Keberagaman 557 Policy on Diversity Hubungan Investor 645 Investor Relations
Komposisi Dewan Composition of the Board of Transparansi Praktik Bad 656 Practice Transparency Bad
Komisaris dan Direksi Commissioners and Directors Governance Governanc
559 Policy on Disclosure of Share 657 Integrity of Reporting and
Kebijakan Pengungkapan Integritas Pelaporan dan
Ownership Information Technology
Informasi Kepemilikan Saham Sistem Teknologi Informasi
Information for Members of Systems
Anggota Direksi dan Dewan
the Board of Directors Rencana Strategis 659 The Strategic Plan
Komisaris
and Board of Commissioners Laporan Penerapan Tata 664 Integrated Governance
Kebijakan Anti Fraud 561 Policy Anti-Fraud Kelola Terintegrasi Implementation Report
Whistleblowing System 581 Whistleblowing System Pernyataan Pelaksanaan 664 Statement of Implementation
(WBS) (WBS) Prinsip-Prinsip Tata of Good Governance
Kebijakan Anti Korupsi dan 586 Anti-Corruption and Kelola yang Baik Principles
Gratifikasi Gratification Policy Tata Kelola Unit Usaha 665 Sharia Business Unit (UUS)
Kebijakan Insider Trading 589 Insider Trading Policy Syariah (UUS) Governance
8
PT Bank Sulselbar I Laporan Tahunan 2023
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LAPORAN TATA KELOLA PERUSAHAAN LAPORAN INFORMASI STRUKTUR PERMODALAN LAPORAN TANGGUNG JAWAB LAPORAN KEUANGAN AUDIT
GOOD CORPORATE GOVERNANCE DAN EKSPOSUR RISIKO SOSIAL PERUSAHAAN AUDITED FINANCIAL STATEMENT
CAPITAL INFORMATION AND RISK EXPOSURE CORPORATE SOCIAL
RESPONSIBILITY REPORT
INFORMASI PERMODALAN DAN
LAPORAN TANGGUNG JAWAB
EKSPOSUR RISIKO
SOSIAL PERUSAHAAN
CAPITAL INFORMATION AND RISK
678 EXPOSURE
766
CORPORATE SOCIAL RESPONSIBILITY
REPORT
Sistem Manajemen Risiko 680 Risk Management System 768 Sustained Performance
Ikhtisar Kinerja Berkelanjutan
Profil Risiko dan Tingkat 690 Risk Profile and Bank Overview
Kesehatan Bank Soundness Level 768 Economic Performance
Ikhtisar Kinerja Ekonomi
Laporan Publikasi Eksposur 694 PT Bank Sulselbar Annual Overview
Risiko dan Permodalan Risk Exposure and Capital 772 Environmental Performance
Ikhtisar Kinerja Lingkungan
Tahunan PT Bank Sulselbar Publication Report Overview
Manajemen Risiko – 705 Ikhtisar Kinerja Sosial 774 Social Performance Overview
Risk Management –
Pengungkapan Pendekatan
Disclosure of Bank Risk
Manajemen Risiko Bank
Management Approach (OVA)
(OVA)
Laporan Perhitungan Rasio 712 Leverage Ratio Calculation
Pengungkit Report
Pengungkapan Kualitatif 743
Qualitative Disclosure of
Kebijakan Umum Risiko
General Market Risk Policy
Pasar
Pengungkapan Kualitatif 748
Qualitative Disclosure of
Kebijakan Umum Risiko
General Liquidity Risk Policy
Likuiditas
LAPORAN KEUANGAN AUDIT
777 AUDITED FINANCIAL STATEMENT
INDEKS OJK
9
PT Bank Sulselbar I Annual Report 2023
Page 12
PENDAHULUAN
INTRODUCTION LAPORAN MANAJEMEN PROFIL PERUSAHAAN TINJAUAN PENDUKUNG BISNIS ANALISA DAN PEMBAHASAN KINERJA
MANAGEMENT REPORT COMPANY PROFILE BUSINESS SUPPORTING OVERVIEW BANK OLEH MANAJEMEN
ANALYSIS AND DISCUSSION OF BANK
PERFORMANCE BY MANAGEMENT
Sekilas Tentang Bank Sulselbar
A Glimpse into Bank Sulselbar
Total Aset
Total Asset
Rp30,79
triliun-trillion
Tanggal Pendirian
Bidang Usaha
Founding Date
Business fields
13 Januari 1961 Jasa Perbankan
January 13, 1961 Banking Services
Jumlah Kantor
Number of Offices
1 kantor pusat - head office
855 jaringan kantor - office network
Produk & Jasa
Products & Services
Simpanan Savings
Kredit/Pembiayaan Lending/Financing
Jasa Bisnis Business Services
Bank Devisa Foreign Exchange Bank
10
PT Bank Sulselbar I Laporan Tahunan 2023
Page 13
LAPORAN TATA KELOLA PERUSAHAAN LAPORAN INFORMASI STRUKTUR PERMODALAN LAPORAN TANGGUNG JAWAB LAPORAN KEUANGAN AUDIT
GOOD CORPORATE GOVERNANCE DAN EKSPOSUR RISIKO SOSIAL PERUSAHAAN AUDITED FINANCIAL STATEMENT
CAPITAL INFORMATION AND RISK EXPOSURE CORPORATE SOCIAL
RESPONSIBILITY REPORT
Alamat Kantor Pusat :
Jl. Dr. Sam Ratulangi No. 16 Makassar 90125
Sulawesi Selatan
Segmen Usaha
Business Segment Jumlah Pegawai
Number of Employees
Perbankan
Konvensional dan Syariah 1.370 orang
person
Banking Conventional and Sharia
Kepemilikan Saham
Shareholding
Pemerintah Provinsi Pemerintah Kabupaten
32,74% Sulawesi Selatan 56,69% se-Sulawesi Selatan dan Barat
Pemerintah Provinsi Koperasi Jasa Kesejahteraan
2,03% Sulawesi Barat 0,56% Warga PT. Bank Sulselbar
Pemerintah Kota se-Sulawesi
7,98% Selatan dan Barat
11
PT Bank Sulselbar I Annual Report 2023
Page 14
PENDAHULUAN
INTRODUCTION LAPORAN MANAJEMEN PROFIL PERUSAHAAN TINJAUAN PENDUKUNG BISNIS ANALISA DAN PEMBAHASAN KINERJA
MANAGEMENT REPORT COMPANY PROFILE BUSINESS SUPPORTING OVERVIEW BANK OLEH MANAJEMEN
ANALYSIS AND DISCUSSION OF BANK
PERFORMANCE BY MANAGEMENT
Jejak Langkah
Milestones
Didirikan dengan nama PT Bank Pembangunan
1961
2007
1
Sulawesi Selatan Tenggara
Established under the name of PT Bank
Pembentukan Unit Usaha Syariah
Establishment of Sharia Business Unit
7
Pembangunan Sulawesi Selatan Tenggara.
Berganti nama menjadi Bank Pembangunan Daerah
1964
2009
Penambahan Modal Dasar menjadi Rp1,6 triliun
2 Tingkat I Sulawesi Selatan Tenggara
Renamed to Bank Pembangunan Daerah Tingkat I Additional of authorized capital to Rp1.6 trillion 8
Sulawesi Selatan Tenggara
Berganti nama menjadi Bank Pembangunan Daerah
1976
2010
Tingkat I Sulawesi Selatan
3 Renamed to Bank Pembangunan Daerah
Pembukaan Kantor Cabang di Jakarta.
Opening a Branch in Jakarta.
9
Sulawesi Selatan (BPD Sulsel)
1993
4 Penambahan Modal Dasar menjadi Rp25 miliar • Berganti nama menjadi PT Bank Pembangunan
Daerah Sulawesi Selatan dan Sulawesi Barat (Bank
Additional of authorized capital to Rp25 billion. Sulselbar)
2011
10 • Penerbitan Obligasi Bank Sulselbar I senilai Rp400
miliar
• Penerbitan Sukuk Mudharabah Bank Sulselbar I
senilai Rp100 miliar
• Perubahan Visi dan Misi Perusahaan
• Penetapan Nilai-Nilai Perusahaan (Corporate
1999
Values) PRIORITAS PRIMA dan Tagline “Melayani
5 Penambahan Modal Dasar menjadi Rp150 miliar Sepenuh Hati”
Additional of authorized capital to Rp150 billion. • The Company changed its name into PT Bank
Pembangunan Daerah Sulawesi Selatan &
Sulawesi Barat (Bank Sulselbar)
• Issuance of Bank Sulselbar Bonds I worth Rp400
billion
• Issuance of Bank Sulselbar Mudharabah 1st Bonds
Perubahan status Badan Hukum dari Perusahaan worth Rp100 billion
Daerah (PD) menjadi Perseroan Terbatas (PT) dan • Change in Bank Sulselbar Vision and Mission
6
2003
mengubah nama menjadi PT Bank Pembangunan • Corporate Values Determination PRIORITAS
Daerah Sulawesi Selatan (Bank Sulsel) PRIMA with Tagline “Serve Whole-Heartedly”
Change of Legal Entity Status from Local Enterprise
(PD) into Limited Company (PT) and changed its
name to PT Bank Pembangunan Daerah Sulawesi Penerbitan Obligasi PUB Berkelanjutan I Tahap I dan
Selatan (Bank Sulsel) II senilai Rp950 miliar dan Sukuk Mudharabah II tahun
2016
2016 senilai Rp50 miliar
11 Issuance of 1st Sustainable PUB Bonds 1st and 2nd
phase worth Rp950 billion and 2nd Mudharabah
Bonds of 2016 worth Rp50 billion
12
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LAPORAN TATA KELOLA PERUSAHAAN LAPORAN INFORMASI STRUKTUR PERMODALAN LAPORAN TANGGUNG JAWAB LAPORAN KEUANGAN AUDIT
GOOD CORPORATE GOVERNANCE DAN EKSPOSUR RISIKO SOSIAL PERUSAHAAN AUDITED FINANCIAL STATEMENT
CAPITAL INFORMATION AND RISK EXPOSURE CORPORATE SOCIAL
RESPONSIBILITY REPORT
· Bank Sulselbar menerbitkan obligasi tahap III
senilai Rp1,25 Triliun.
Inisiasi pengembangan Produk berbasis Teknologi:
· Terpilih jadi Pengelola Dana Haji, Bank Sulselbar
2017
2020
SP2D online, Cash Management System, Aplikasi
12 Transaksi Non Tunai, E-money.
Initiation of Technology-based Product Development:
16 Unit Usaha Syariah jalankan aplikasi IKHSAN
(Integrasi Keuangan Haji Sistem Waktu Nyata)
· Izin CMS, ATM Giro, DPLK;
SP2Donline, Cash Management System, Non-Cash
kerjasama Shopee dan LinkAja terkait
Transaction Application, E-money
pembayaran PBB dan PKB Sulsel dan kerjasama
Gojek dan Grab terkait digitalisasi UMKM
• Meluncurkan aplikasi digital terbaru antara lain: · Bank Sulselbar issued 3rd phase bonds worth
Mobile Banking, Internet Banking dan Bank Rp1.25 trillion.
· Chosen as Hajj Fund Manager, Bank Sulselbar
2018
Sulselbar Apps yang semakin mempermudah
13 nasabah dalam bertransaksi. Sharia Business Unit runs the IKHSAN
application (Real-Time System Hajj Financial
• Penerbitan Obligasi Berkelanjutan II Bank Sulselbar
Tahun 2018 Integration)
· CMS, ATM Giro, DPLK licenses; Shopee and
• Launching the latest digital applications, among LinkAja collaboration regarding PBB and South
others: Mobile Banking, Internet Banking and Bank Sulawesi PKB payments and Gojek and Grab
Sulselbar Apps that make it easier for customers to collaboration regarding the digitization of MSMEs
make transactions
• Issuance of Bank Sulselbar’s 2nd Sustainable
PT Bank Sulselbar mencatatkan rekor pada
Bonds in 2018
Museum Rekor Indonesia (MURI) dalam
2022
pembukaan rekening tabungan terbanyak oleh
mahasiswa dalam satu perguruan tinggi di
17
Bank Sulselbar telah mendapatkan izin untuk
melakukan kegiatan usaha dalam valuta asing (Bank Universitas Hasanuddin
2019
14 Devisa), Virtual Account, Laku Pandai, Pembayaran
PBB & PKB Sulsel secara Online. PT Bank Sulselbar set a record at the Indonesian
Record Museum (MURI) in opening the most
Bank Sulselbar has obtained a license to conduct savings accounts by students in one tertiary
business activities in foreign currency (Foreign institution at Universitas Hasanuddin
Exchange Bank), Virtual Account, Branchless Banking,
PBB Payment & PKB Sulsel Online.
Pertama di Indonesia Timur, launching
• Bank Sulselbar bekerja sama dengan dompet
simbolis Kartu Kredit Indonesia (KKI) Segmen
2023
anak bangsa (GOPAY) terkait pembayaran pajak
bumi dan bangunan (PBB) dan pajak kendaraan Pemerintah, yang merupakan principal
18
2020
15 bermotor (PKB) melalui fitur Gobills Mobile Banking
Bank Sulselbar.
KKPD (Kartu Kredit Pemerintah Daerah),
oleh Direktur Utama Bank Sulselbar. Dengan
• Izin Gandeng Tangan, Taspen Smart Card, BPS-
adanya KKPD diharapkan dapat meningkatkan
BPIH, QRIS, Remittance Firecash (BCA)
• Pembukaan Digital Lounge yaitu ATM gallery Bank efektivitas, efisiensi, dan governance
Sulselbar dengan konsep millenial, menghadirkan pengelolaan anggaran Pemerintah Daerah
suasana seperti berada di lounge sebuah cafe. guna mewujudkan kemudahan pelayanan
• Penerbitan Obligasi berkelanjutan senilai Rp750 publik dan investasi.
miliar.
• Bank Sulselbar collaborates with the wallet of the
First in Eastern Indonesia, the symbolic
nation’s children (GOPAY) regarding the payment of
land and building tax (PBB) and motor vehicle tax launching of the Indonesian Credit Card (KKI)
(PKB) through the Gobills Mobile Banking feature of Government Segment, which is the principal
Bank Sulselbar. KKPD (Regional Government Credit Card),
• Gandeng Tangan Permit, Taspen Smart Card, BPS- by the President Director of Bank Sulselbar.
BPIH, QRIS, Remittance Firecash (BCA)
With the existence of KKPD, it is hoped that it
• The opening of the Digital Lounge, namely the
ATM gallery of Bank Sulselbar with the millennial can improve the effectiveness, efficiency, and
concept, presents an atmosphere like being in the governance of Regional Government budget
lounge of a cafe. management to realize ease of public services
• Issuance of lasting bonds worth Rp750 billion. and investment.
13
PT Bank Sulselbar I Annual Report 2023
Page 16
PENDAHULUAN
INTRODUCTION LAPORAN MANAJEMEN PROFIL PERUSAHAAN TINJAUAN PENDUKUNG BISNIS ANALISA DAN PEMBAHASAN KINERJA
MANAGEMENT REPORT COMPANY PROFILE BUSINESS SUPPORTING OVERVIEW BANK OLEH MANAJEMEN
ANALYSIS AND DISCUSSION OF BANK
PERFORMANCE BY MANAGEMENT
Kontribusi Terbaik
Best Contribution
Bank Sulselbar Resmikan D’Lounge Bank Sulselbar resmi menghadirkan D’Lounge di Bandara Sultan Hasanudin
Kota Makassar. Peresmian ini menjadi langkah awal Bank Sulselbar memperluas
di Bandara Sultan Hasanuddin, jangkauan layanan kepada semua masyarakat. Peresmian D’lounge merupakan
Perluas Jangkauan Layanan Bagi tonggak sejarah baru dan milestone Bank Sulselbar untuk memberikan
layanan yang terdepan dan terkemuka. Sehingga seluruh stakeholder akan
Masyarakat mendapatkan kemudahaan dalam menerima dan menggunakan produk-produk
Bank Sulselbar Inaugurates D’Lounge Bank Sulselbar.
Bank Sulselbar officially presents D’Lounge at Sultan Hasanudin Airport,
at Sultan Hasanuddin Airport, Makassar City. This inauguration is the first step for Bank Sulselbar to expand
Expand the Reach of Services for the its service reach to all communities. The inauguration of D’Lounge is a new
Community milestone for Bank Sulselbar to provide leading and reputable services so that
all stakeholders will find it easy to receive and use Bank Sulselbar products.
14
PT Bank Sulselbar I Laporan Tahunan 2023
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LAPORAN TATA KELOLA PERUSAHAAN LAPORAN INFORMASI STRUKTUR PERMODALAN LAPORAN TANGGUNG JAWAB LAPORAN KEUANGAN AUDIT
GOOD CORPORATE GOVERNANCE DAN EKSPOSUR RISIKO SOSIAL PERUSAHAAN AUDITED FINANCIAL STATEMENT
CAPITAL INFORMATION AND RISK EXPOSURE CORPORATE SOCIAL
RESPONSIBILITY REPORT
LI
VE
Penyumbang Pajak Pada tahun 2023, PT Bank Sulselbar (BSSB) diberikan penghargaan dan
apresiasi oleh Direktorat Jenderal Pajak karena telah menjadi penyumbang
Terbesar, DJP Sulselbartra pajak terbesar di Kantor Wilayah Direktorat Jenderal Pajak (DJP) Sulawesi
Selatan, Barat dan Tenggara (Sulselbartra) untuk tahun pajak 2022. Selain
Beri Penghargaan kepada Bank Sulselbar, juga terdapat belasan wajib pajak lainnya dengan setoran
Bank Sulselbar pajak terbesar kategori badan, menerima penghargaan dari Kantor Wilayah
Direktorat Jenderal Pajak (DJP) Sulawesi Selatan, Barat dan Tenggara
Biggest Tax Contributor, DJP (Sulselbartra).
Sulselbartra Gives Award to Penghargaan ini salah satu bentuk kontribusi Bank Sulselbar yang sesuai
Bank Sulselbar dengan visi Bank Sulselbar yaitu Menjadi Bank Kebanggaan dan Pilihan
Utama Membangun Kawasan Timur Indonesia.Ini merupakan komitmen dari
visi misi Bank Sulselbar, sebagai dorongan lebih untuk memperkuat perannya
dalam memberikan nilai tambah bagi kemajuan bangsa di setiap kegiatan
yang dilakukan perusahaan.
PT Bank Sulselbar (BSSB) diberikan penghargaan dan apresiasi oleh
Direktorat Jenderal Pajak karena telah menjadi penyumbang pajak terbesar
di Kantor Wilayah Direktorat Jenderal Pajak (DJP) Sulawesi Selatan, Barat
dan Tenggara (Sulselbartra) pada tahun 2022. Selain Bank Sulselbar, juga
terdapat belasan wajib pajak lainnya dengan setoran pajak terbesar kategori
badan, menerima penghargaan dari Kantor Wilayah Direktorat Jenderal Pajak
(DJP) Sulawesi Selatan, Barat dan Tenggara (Sulselbartra).
In 2023, PT Bank Sulselbar (BSSB) was given an award and appreciation by the Directorate General of Taxes for being the most extensive tax contributor in the
Regional Office of the Directorate General of Taxes (DJP) South, West and Southeast Sulawesi (Sulselbartra) for the 2022 tax year. Apart from Bank Sulselbar,
there were also dozens of other taxpayers with the most significant tax deposits in the corporate category, receiving awards from the Regional Office of the
Directorate General of Taxes (DJP) for South, West, and Southeast Sulawesi (Sulselbartra).
This award is a form of Bank Sulselbar’s contribution, which is based on Bank Sulselbar’s vision, namely to become a bank of pride and the primary choice for
developing the Eastern Region of Indonesia. This is a commitment from Bank Sulselbar’s vision and mission as further encouragement to strengthen its role in
providing added value for the progress of the nation in every activity carried out by the company.
PT Bank Sulselbar (BSSB) was given an award and appreciation by the Directorate General of Taxes for being the most extensive tax contributor in the Regional
Office of the Directorate General of Taxes (DJP) South, West and Southeast Sulawesi (Sulselbartra) in 2022. Apart from Bank Sulselbar, there are also dozens
of mandatory other taxes with the most significant tax payments in the corporate category, which received an award from the Regional Office of the Directorate
General of Taxes (DJP) for South, West, and Southeast Sulawesi (Sulselbartra).
15
PT Bank Sulselbar I Annual Report 2023
Page 18
PENDAHULUAN
INTRODUCTION LAPORAN MANAJEMEN PROFIL PERUSAHAAN TINJAUAN PENDUKUNG BISNIS ANALISA DAN PEMBAHASAN KINERJA
MANAGEMENT REPORT COMPANY PROFILE BUSINESS SUPPORTING OVERVIEW BANK OLEH MANAJEMEN
ANALYSIS AND DISCUSSION OF BANK
PERFORMANCE BY MANAGEMENT
Bank Sulselbar Raih
Penghargaan BPD
dengan Inovasi
Digital Terbanyak di
BIFA 2023
Bank Sulselbar Wins BPD
Award with the Most Digital
Innovation at BIFA 2023
PT Bank Sulselbar dinobatkan sebagai “Most
Digital Initiatives of Regional Bank”. Penghargaan
tersebut diberikan pada acara Bisnis Indonesia
Financial Award (BIFA) 2023 yang dilaksanakan
di The Westin Hotel Jakarta. BIFA merupakan
penghargaan bagi individu dan perusahaan Pertama di Indonesia Timur,
finansial yang berhasil mencatatkan kinerja
cemerlang dan efisiensi tinggi, serta konsisten Pemprov Sulsel Launching
berada dalam koridor praktik bisnis yang baik. Kartu Kredit Pemerintah Daerah
Apresiasi ini diharapkan dapat mendorong
industri finansial untuk berperan lebih besar First in Eastern Indonesia, South Sulawesi
dalam pemulihan perekonomian nasional yang Provincial Government Launches Regional
disebabkan pandemi Covid-19. Government Credit Card
Peluncuran KKPD Provinsi Sulawesi Selatan ini menjadi yang
PT Bank Sulselbar was named “Most Digital pertama di Kawasan Indonesia Timur. Dalam penerapannya,
Initiatives of Regional Bank.” This award was penggunaan KKPD provinsi Sulawesi Selatan akan dilaksanakan
given at the 2023 Bisnis Indonesia Financial secara bertahap, dimulai dari 5 (lima) Organisasi Perangkat Daerah
Award (BIFA) event, which was held at The Westin (OPD), hingga akhirnya diterapkan pada seluruh OPD lingkup
Provinsi Sulawesi Selatan.
Hotel Jakarta. BIFA is an award for individuals
and financial companies who have successfully Untuk mempercepat implementasi KKPD pasca penandatanganan
ini, Kantor Perwakilan Bank Indonesia Provinsi Sulawesi Selatan,
recorded brilliant performance and high efficiency
Pemerintah Provinsi Sulawesi Selatan, Pemerintah Kota/Kabupaten,
and are consistently in the corridor of good Kanwil Kemenkumham Sulawesi Selatan, Bank Sulselbar selaku
business practices. Hopefully, this appreciation bank pemegang Rekening Kas Umum Daerah (RKUD), dan Bank
can encourage the financial industry to play a Mandiri selaku mitra co-branding, akan terus memperkuat kolaborasi.
more significant role in the national economic
recovery caused by the COVID-19 pandemic.
The South Sulawesi Province KKPD launch is the first in the Eastern
Indonesia Region. The South Sulawesi Province KKPD will be
implemented in stages, starting from 5 (five) Regional Apparatus
Organizations (OPD) until finally, it is applied to all OPDs within the
South Sulawesi Province.
To accelerate the implementation of the KKPD after this signing, Bank
Indonesia Representative Office for South Sulawesi Province, South
Sulawesi Provincial Government, City/Regency Government, South
Sulawesi Ministry of Law and Human Rights Regional Office, Bank
Sulselbar as the bank holding the Regional General Cash Account
(RKUD), and Bank Mandiri as co-partner branding, will continue to
strengthen collaboration.
16
PT Bank Sulselbar I Laporan Tahunan 2023
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LAPORAN TATA KELOLA PERUSAHAAN LAPORAN INFORMASI STRUKTUR PERMODALAN LAPORAN TANGGUNG JAWAB LAPORAN KEUANGAN AUDIT
GOOD CORPORATE GOVERNANCE DAN EKSPOSUR RISIKO SOSIAL PERUSAHAAN AUDITED FINANCIAL STATEMENT
CAPITAL INFORMATION AND RISK EXPOSURE CORPORATE SOCIAL
RESPONSIBILITY REPORT
Bank Sulselbar Syariah Sukses Akad Kredit
Massal 345 Rumah MBR
Bank Sulselbar Syariah Successfully Mass Loan Agreement for 345
MBR Houses
PT. Berkah Adam Jasa Abadi (BAJA) bekerjasama dengan Bank Sulselbar Syariah,
sukses melaksanakan akad kredit 345 unit rumah subsidi periode tahun 2023 secara
massal. Acara akad kredit 345 unit rumah tersebut digelar di atrium lantai 1 Mall
Panakukang, Jalan Boeluvard kota Makassar.
Program ini kerjasama antara Bank Sulselbar dengan PT. BAJA, pengembang
Perumahan Viola Indonesia merupakan devoloper Nasional yang telah membangun
perumahan subsidi serta Komersil disejumlah daerah di Indonesia, seperti di Jawa
Barat, Kalimantan Timur, Kalimantan Utara dan di Sulawesi Selatan.
PT Berkah Adam Jasa Abadi (BAJA), in collaboration with Bank Sulselbar Syariah,
successfully implemented a mass Loan agreement for 345 subsidized housing units for
the 2023 period. The Loan agreement event was held in the atrium on the 1st floor of
Panakukang Mall, Jalan Boulevard, Makassar City.
This program is a collaboration between Bank Sulselbar and PT. BAJA, the developer of
Viola Indonesia Housing, is a national developer that has built subsidized and commercial
housing in several regions of Indonesia, such as West Java, East Kalimantan, North
Kalimantan, and South Sulawesi.
Pefindo Tegaskan Peringkat idA+
untuk Bank Sulselbar
Pefindo Affirms idA+ Rating for Bank Sulselbar
PT Pemeringkat Efek Indonesia (Pefindo) menegaskan peringkat
idA+ untuk PT Bank Pembangunan Daerah Sulawesi Selatan &
Sulawesi Barat (Bank Sulselbar) dan obligasinya yang masih
beredar. Pefindo menilai peringkat tersebut mencerminkan pasar
captive Bank Sulselbar yang kuat di provinsi-provinsi Sulawesi
Selatan dan Sulawesi Barat dan indikator kualitas aset yang kuat.
Peringkat dapat dinaikkan jika Bank Sulselbar menguat secara
signifikan dan konsisten terkait posisi bisnisnya serta struktur
pendanaan tetap mempertahankan kinerja keuangan yang sangat
kuat.
PT Pemeringkat Efek Indonesia (Pefindo) affirmed the idA+ rating
for PT Bank Pembangunan Daerah Sulawesi Selatan & Sulawesi
Barat (Bank Sulselbar) and its outstanding bonds. Pefindo assesses
that the rating reflects Bank Sulselbar’s captive solid market in the
provinces of South Sulawesi and West Sulawesi and strong asset
quality indicators. The rating could be raised if Bank Sulselbar
strengthens significantly and consistently in its business position and
funding structure while maintaining strong financial performance.
17
PT Bank Sulselbar I Annual Report 2023
Page 20
PENDAHULUAN
INTRODUCTION LAPORAN MANAJEMEN PROFIL PERUSAHAAN TINJAUAN PENDUKUNG BISNIS ANALISA DAN PEMBAHASAN KINERJA
MANAGEMENT REPORT COMPANY PROFILE BUSINESS SUPPORTING OVERVIEW BANK OLEH MANAJEMEN
ANALYSIS AND DISCUSSION OF BANK
PERFORMANCE BY MANAGEMENT
IMPORTANT ACHIEVEMENTS
TOTAL ASET
TOTAL ASSETS
2023 : RP30,TRILIUN-TRILLION
2022 : RP29,65 TRILIUN-TRILLION
3,87%
Pertumbuhan aset Bank Sulselbar
masih di atas rata-rata pertumbuhan
aset Bank Umum KBMI 1 sebesar (4,06)%
dan dibawah BPD 5,02%.
Bank Sulselbar's asset growth is still
above the average asset growth of
KBMI 1 Commercial Bank of (4.06)% and
below BPD's 5.02%.
GIRO
CURRENT ACCOUNT
DANA PIHAK KETIGA
THIRD-PARTY FUNDS
(11,32%) RP4,80 TRILIUN
TRILLION
dibandingkan tahun 2022
2,97% compared to 2022
2023 : Rp20,13 triliun-trillion
2022 : Rp19,55 triliun-trillion TABUNGAN
Pertumbuhan DPK Bank Sulselbar lebih SAVINGS
besar dibandingkan rata-rata
pertumbuhan Bank Umum KBMI 1 (7,23%)
10,88%
RP6,20 TRILIUN
dan BPD sebesar 0,89 %.
TRILLION
Bank Sulselbar's DPK growth was
greater than the average growth of dibandingkan tahun 2022
KBMI 1 Commercial Bank (7.23%) and BPD compared to 2022
of 0.89%.
DEPOSITO
TIME DEPOSIT
6,96%
RP9,13 TRILIUN
TRILLION
dibandingkan tahun 2022
compared to 2022
18
PT Bank Sulselbar I Laporan Tahunan 2023
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LAPORAN TATA KELOLA PERUSAHAAN LAPORAN INFORMASI STRUKTUR PERMODALAN LAPORAN TANGGUNG JAWAB LAPORAN KEUANGAN AUDIT
GOOD CORPORATE GOVERNANCE DAN EKSPOSUR RISIKO SOSIAL PERUSAHAAN AUDITED FINANCIAL STATEMENT
CAPITAL INFORMATION AND RISK EXPOSURE CORPORATE SOCIAL
RESPONSIBILITY REPORT
KREDIT DAN
PEMBIAYAAN
2,97% LENDING AND
FINANCING
2023 : Rp22,40 triliun
2022 : Rp21,80 trillion
Pertumbuhan kredit dan pembiayaan
Bank Sulselbar masih lebih tinggi dari
pertumbuhan rata-rata kredit Bank Umum
KBMI 1 (2,34) dan BPD sebesar 7,84%.
Bank Sulselbar's lending and financing
growth is still higher than the average
credit growth of Commercial Bank KBMI 1
(2.34) and BPD of 7.84%.
KREDIT INVESTASI KREDIT KONSUMTIF
INVESTMENT LOANS CONSUMPTIVE LOANS
(2,82%)
Rp2,40 triliun-trillion 10,59% Rp932,08 miliar-billion
dibandingkan tahun 2022 dibandingkan tahun 2022
compared to 2022 compared to 2022
KREDIT PERUMAHAN
KREDIT MODAL KERJA RAKYAT (KPR)
WORKING CAPITAL LOANS
13,88% PUBLIC HOUSING LOANS (KPR)
1,77% Rp2,26 triliun-trillion
dibandingkan tahun 2022
Rp 757,85 miliar -billion
dibandingkan tahun 2022
compared to 2022
compared to 2022
LABA BERSIH
NET INCOME
2,02% 2023 : Rp666,91 Miliar-Billion
2022 : Rp653,72 Miliar-Billion
Pertumbuhan laba Bank Sulselbar masih di bawah rata-rata
pertumbuhan Bank Umum KBMI 1 12,58% dan di atas BPD (5,11%).
Bank Sulselbar's net income growth is still below the average
growth of KBMI 1 Commercial Banks of 12.58% and above BPD
(5.11%).
19
PT Bank Sulselbar I Annual Report 2023
Page 22
PENDAHULUAN
INTRODUCTION LAPORAN MANAJEMEN PROFIL PERUSAHAAN TINJAUAN PENDUKUNG BISNIS ANALISA DAN PEMBAHASAN KINERJA
MANAGEMENT REPORT COMPANY PROFILE BUSINESS SUPPORTING OVERVIEW BANK OLEH MANAJEMEN
ANALYSIS AND DISCUSSION OF BANK
PERFORMANCE BY MANAGEMENT
Ikhtisar Data Keuangan Penting
Important Financial Data Overview
Posisi Keuangan - Financial Position
NERACA - BALANCE SHEET
CAGR
YOY 2023
Keterangan 2023 2021 2020 2019 2019 - Information
2.022 - 2022 (%)
2023 (%)
ASET ASSETS
Kas 606.632 605.067 567.740 536.240 454.879 0,26% 7,46% Cash
Current Accounts
Giro Pada Bank
1.328.366 1.907.523 919.629 710.499 1.220.060 (30,36%) 2,15% With Bank
Indonesia
Indonesia
Current Account
Giro pada Bank Lain 98.116 81.233 54.985 146.536 51.954 20,78% 17,23%
Other Banks
Placements With
Penempatan pada Bank
941.507 1.499.290 1.457.375 595.000 1.176.000 (37,20%) (5,41%) Bank Indonesia
Indonesia dan Bank Lain
And Other Banks
Marketable
Surat Berharga 3.372.155 1.834.377 1.519.834 1.175.620 791.003 83,83% 43,69%
Securities
Marketable
Surat Berharga yang Securities
Dibeli dengan Janji Dijual 1.668.582 1.467.730 1.528.612 1.740.761 1.107.867 13,68% 10,78% Purchased With
Kembali An Agreement To
Resell
Tagihan Derivativ 884 0 0 63 100,00% 141,20% Derivative Bills
-
Kredit yang Diberikan 20.581.605 20.140.847 19.758.486 18.509.952 17.509.420 2,19% 4,12% Loans Given
Pembiayaan syariah 1.388.278 1.287.288 1.239.493 1.003.618 847.460 7,85% 13,13% Sharia Financing
Acceptance
Tagihan Akseptasi 93.895 90.038 23.651 4,28% 99,25%
- - Receivables
Penyertaan 103 98 82 82 82 5,10% 5,87% Investment
Pajak Dibayar Di Muka 79.494 77.100 63.128 86.034 92.133 3,11% (3,62%) Prepaid Taxes
Fixed Assets
Aset Tetap dan Aset Hak
475.775 460.766 454.752 169.242 128.726 3,26% 38,65% And Use Rights
Guna
Assets
Aset Tak Berwujud 11.759 13.079 0 0 0 (10,09%) (10,09%) Intangible Assets
Deferred Tax
Aset Pajak Tangguhan 0 26.549 28.918 16.653 19.859 (100,00%) (100,00%)
Assets
Aset Lain-lain 152.301 162.323 168.287 140.110 142.219 (6,17%) 1,73% Other Assets
Total Aset 30.799.458 29.653.314 27.784.972 24.830.410 23.541.662 3,87% 6,95% Total Assets
LIABILITAS 0 Liability
Liabilities
Liabilitas Segera 1.111.672 955.552 781.813 563.472 538.081 16,34% 19,89% Immediately
Payable
Deposits from
Simpanan Nasabah
10.499 53.577 17.916 289.939 8.356 (80,40%) 5,87% Customers from
Pihak Berelasi
Related Parties
Pihak Ketiga- Third Party-
18.840.603 18.247.424 17.475.386 15.018.582 14.841.901 3,25% 6,15%
Konvensional Conventional
Third Party -
Pihak Ketiga - Syariah 577.094 368.292 294.990 270.481 148.921 56,69% 40,30%
Sharia
Deposits From
Simpanan dari Bank Lain 1.577.969 1.396.034 1.102.969 922.823 1.189.504 13,03% 7,32%
Other Banks
Derivative
Liabilitas Derrivatif 13 25 1.240 118 0 (48,00%) (52,06%)
Liabilities
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PT Bank Sulselbar I Laporan Tahunan 2023
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LAPORAN TATA KELOLA PERUSAHAAN LAPORAN INFORMASI STRUKTUR PERMODALAN LAPORAN TANGGUNG JAWAB LAPORAN KEUANGAN AUDIT
GOOD CORPORATE GOVERNANCE DAN EKSPOSUR RISIKO SOSIAL PERUSAHAAN AUDITED FINANCIAL STATEMENT
CAPITAL INFORMATION AND RISK EXPOSURE CORPORATE SOCIAL
RESPONSIBILITY REPORT
CAGR
YOY 2023
Keterangan 2023 2021 2020 2019 2019 - Information
2.022 - 2022 (%)
2023 (%)
Acceptance
Liabilitas Akseptasi 0 0 2.116 0 0 0,00% (100,00%)
Liabilities
Surat Berharga Yang Marketable
2.020.321 2.529.272 2.276.558 2.447.313 1.697.223 (20,12%) 4,45%
Diterbitkan Securities Issued
Pinjaman yang Diterima 843.322 390.812 448.301 685.790 745.833 115,79% 3,12% Borrowing
Utang Pajak 24.629 58.019 38.325 34.730 29.179 (57,55%) (4,15%) Tax Payable
Employee
Liabilitas Imbalan Kerja 90.156 84.414 94.592 90.245 85.490 6,80% 1,34% Benefits
Liabilities
Liabilitas Sewa 50.690 45.819 38.081 23.717 0 10,63% 28,81% Rental Liabilities
Liabilitas pajak Deferred Tax
7.513 0 0 0 0 100,00% 100,00%
tangguhan Liabilities
Liabilitas Lain-Lain 131.670 132.645 142.794 138.000 126.317 (0,74%) 1,04% Other Liabilities
Jumlah Liabilitas 25.286.157 24.261.885 22.715.081 20.485.210 19.410.805 4,22% 6,83% Total Liabilities
Amount Of
Jumlah Dana Syirkah
710.466 882.662 838.177 658.681 687.109 (19,51%) 0,84% Temporary
Temporer
Syirkah Funds
EKUITAS Equity
Modal Saham 2.187.068 2.162.596 2.137.296 2.107.546 1.098.410 1,13% 18,79% Share Capital
Paid In Capital
Dana Setoran Modal 19.115 24.485 13.313 5.264 16.250 (21,93%) 4,14%
Funds
Other
Pendapatan
227.450 227.155 248.225 21.075 (1.733) 0,13% 238,47% Comprehensive
Komprehensif lain
Income
Saldo Laba Retain Earnings
Saldo laba yang Retained
belum ditentukan 666.905 653.724 651.826 620.931 616.691 2,02% 1,98% Earnings
penggunaannya Appropriated
Saldo laba Retained
yang ditentukan 1.702.294 1.440.805 1.181.054 931.703 1.714.130 18,15% (0,17%) Earnings
penggunaannya Unappropriated
Jumlah Ekuitas 4.802.834 4.508.765 4.231.714 3.686.519 3.443.748 6,52% 8,67% Total Equity
Total Liabilities,
Jumlah Liabilitas, Dana
Temporary
Syirkah Temporer dan 30.799.458 29.653.312 27.784.972 24.830.410 23.541.662 3,87% 6,95%
Syirkah Funds,
Ekuitas
And Equity
21
PT Bank Sulselbar I Annual Report 2023
Page 24
PENDAHULUAN
INTRODUCTION LAPORAN MANAJEMEN PROFIL PERUSAHAAN TINJAUAN PENDUKUNG BISNIS ANALISA DAN PEMBAHASAN KINERJA
MANAGEMENT REPORT COMPANY PROFILE BUSINESS SUPPORTING OVERVIEW BANK OLEH MANAJEMEN
ANALYSIS AND DISCUSSION OF BANK
PERFORMANCE BY MANAGEMENT
3,87% (yoy)
Aset
Asset
Pertumbuhan Aset rata-rata selama 5 tahun sebesar
6,96% dan pada tahun 2023 tumbuh 3,87% menjadi
23.541.662
24.830.410
27.784.972
29.653.312
30.799.458
Rp30.799.458 juta
Average asset growth over 5 years is 6.96% and in
2023 it will grow 3.87% to IDR 30,799,458 million
2019 2020 2021 2022 2023
4,22% (yoy)
Liabilitas
Liabilities
Pertumbuhan Liabilitas rata-rata selama 5 tahun sebesar
6,83% dan pada tahun 2023 tumbuh 4,22% menjadi
19.410.805
20.485.210
22.715.081
24.261.885
25.286.157
Rp25.286.157 juta
Average Liability Growth for 5 years is 6.83% and in 2023 it
will grow 4.22% to IDR 25,286,157 million
2019 2020 2021 2022 2023
(19,51%) (yoy)
Dana Syirkah Temporer
Temporary Syirkah Fund
Pertumbuhan Dana Syirkah Temporer rata-rata selama 5
tahun sebesar 0,84% dan pada tahun 2023 tumbuh negatif
687.109
658.681
838.177
882.662
710.466
19,51% menjadi Rp710.466 juta
The average growth of Temporary Syirkah Funds over 5
years is 0.84% and in 2023 it will grow negative 19.51% to
2019 2020 2021 2022 2023 IDR 710,466 million
22
PT Bank Sulselbar I Laporan Tahunan 2023
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LAPORAN TATA KELOLA PERUSAHAAN LAPORAN INFORMASI STRUKTUR PERMODALAN LAPORAN TANGGUNG JAWAB LAPORAN KEUANGAN AUDIT
GOOD CORPORATE GOVERNANCE DAN EKSPOSUR RISIKO SOSIAL PERUSAHAAN AUDITED FINANCIAL STATEMENT
CAPITAL INFORMATION AND RISK EXPOSURE CORPORATE SOCIAL
RESPONSIBILITY REPORT
6,52% (yoy)
Ekuitas
Equity
Pertumbuhan Ekuitas rata-rata selama 5 tahun sebesar
8,67% dan pada tahun 2023 tumbuh 6,52% menjadi
Rp4.802.834 juta
3.443.748
3.686.519
4.231.714
4.508.765
4.802.834
Average Equity Growth for 5 years is 8.67% and in 2023 it will
grow 6.52% to IDR 4,802,834 million
2019 2020 2021 2022 2023
2,19% (yoy)
Kredit
Lending
Pertumbuhan Kredit rata-rata selama 5 tahun sebesar
4,12% dan pada tahun 2023 tumbuh 2,19% menjadi
Rp20.581.605 juta
17.509.420
18.509.952
19.758.486
20.140.847
20.581.605
Average Lending growth over 5 years is 4.12% and
in 2023 it will grow 2.19% to IDR 20,581,605 million
2019 2020 2021 2022 2023
7,85% (yoy)
Pembiayaan dan Piutang Syariah
Sharia Financing and Receivables
1.003.618
1.239.493
1.287.288
1.388.278
847.460
Pertumbuhan Pembiayaan dan piutang Syariah rata-rata
selama 5 tahun sebesar 13,13% dan pada tahun 2023
tumbuh 7,85% menjadi Rp1.388.278 juta
The average growth of Sharia financing and receivables 2019 2020 2021 2022 2023
over 5 years is 13.13% and in 2023 it will grow 7.85% to IDR
1,388,278 million
23
PT Bank Sulselbar I Annual Report 2023
Page 26
PENDAHULUAN
INTRODUCTION LAPORAN MANAJEMEN PROFIL PERUSAHAAN TINJAUAN PENDUKUNG BISNIS ANALISA DAN PEMBAHASAN KINERJA
MANAGEMENT REPORT COMPANY PROFILE BUSINESS SUPPORTING OVERVIEW BANK OLEH MANAJEMEN
ANALYSIS AND DISCUSSION OF BANK
PERFORMANCE BY MANAGEMENT
LABA RUGI - PROFIT AND LOSS
Tabel Laba Rugi Tahun 2019 – 2023 (Rp Juta)
CAGR
YOY 2022 -
Keterangan 2023 2022 2021 2020 2019 2019 - Information
2023 (%)
2023 (%)
Pendapatan Bunga
Interest Income and
dan Pendapatan 2.555.661 2.550.079 2.499.510 2.485.232 2.382.968 0,22% 1,76%
Sharia Income
Syariah
Beban Bunga dan Interest Expenses and
(976.651) (818.322) (821.826) (1.003.197) (1.026.801) 19,35% (1,24%)
Beban Syariah Sharia Expenses
Pendapatan Bunga
Interest Income and
dan Bagi Hasil – 1.579.009 1.731.757 1.677.684 1.482.035 1.356.168 (8,82%) 3,88%
Profit Sharing – Net
Bersih
Pendapatan Other Operating
321.827 312.854 502.044 650.823 395.293 2,87% (5,01%)
Operasional Lainnya Income
Beban Operasional Other Operational
(1.019.929) (1.125.341) (1.308.527) (1.299.621) (915.938) (9,37%) 2,72%
Lainnya Expenses
Laba Operasional 880.906 919.270 871.201 833.237 835.522 (4,17%) (1,33%) Operational Income
Pendapatan (Beban)
Non-Operating Income
Non Operasional – (13.419) (37.614) (17.000) (12.337) (5.978) (64,32%) 22,40%
(Expenses) – Net
Bersih
Laba Sebelum Beban Income before Tax
867.486 881.656 854.201 820.900 829.543 (1,61%) 1,12%
Pajak Expense
Beban Pajak (200.581) (227.933) (202.375) (199.969) (212.853) (12,00%) (1,47%) Tax Expense
Laba Bersih 666.905 653.723 651.826 620.931 616.691 2,02% 1,98% Net Income
Laba Komprehensif Comprehensive Income
667.200 632.655 878.976 643.738 613.798 5,46% 2,11%
Tahun Berjalan for the Year
Laba per Saham (Nilai Earnings per Share
305.259 303.406 435.070 515.710 583.952 0,61% (14,97%)
Penuh) (Full Value)
0,22% (yoy)
Pendapatan Bunga dan
Pendapatan Syariah
2.382.968
2.485.232
2.499.510
2.550.079
2.555.661
Interest Income and Sharia Income
Pertumbuhan Pendapatan bunga dan bagi hasil syariah
bersih rata-rata selama 5 tahun sebesar 1,76% dan pada
tahun 2023 tumbuh 0,22% menjadi Rp2.555.661 juta
2019 2020 2021 2022 2023 Growth in interest income and net sharia profit sharing for
5 years is 1.76% and in 2023 it will grow 0.22% to IDR
2,555,661 million
(8,82%) (yoy)
Pendapatan Bunga dan Bagi
Hasil Syariah Bersih
Net Sharia Interest Income and Profit Sharing
1.356.168
1.482.035
1.677.684
1.731.757
1.579.009
Pertumbuhan Pendapatan bunga dan bagi hasil syariah
bersih rata-rata selama 5 tahun sebesar 3,88% dan pada
tahun 2023 terkoreksi 8,82% menjadi Rp1.579.009 juta
The average growth in interest income and net sharia profit
2019 2020 2021 2022 2023
sharing for 5 years was 3.88% and in 2023 it was corrected
by 8.82% to IDR 1,579,009 million
24
PT Bank Sulselbar I Laporan Tahunan 2023
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LAPORAN TATA KELOLA PERUSAHAAN LAPORAN INFORMASI STRUKTUR PERMODALAN LAPORAN TANGGUNG JAWAB LAPORAN KEUANGAN AUDIT
GOOD CORPORATE GOVERNANCE DAN EKSPOSUR RISIKO SOSIAL PERUSAHAAN AUDITED FINANCIAL STATEMENT
CAPITAL INFORMATION AND RISK EXPOSURE CORPORATE SOCIAL
RESPONSIBILITY REPORT
2,87% (yoy)
Pendapatan Operasional Lainnya
Other Operating Income
Pertumbuhan rata-rata Pendapatan Operasional Lainnya
selama 5 tahun negatif 5,01% dan pada tahun 2023 tumbuh
395.293
650.823
502.044
312.854
321.827
2,87% menjadi Rp321.827 juta
The average growth of Other Operating Income for 5 years
is negative 5.01% and in 2023 it will grow 2.87% to IDR
321,827 million
2019 2020 2021 2022 2023
(1,33%) (yoy)
Laba Operasional
Operational Income
Pertumbuhan rata-rata Pendapatan Operasional Lainnya
selama 5 tahun negatif 4,17% dan pada tahun 2023 terkoreksi
835.522
833.237
871.201
919.270
880.906
1,33% menjadi Rp880.906 juta
The average growth of Other Operating Income for 5 years
was negative 4.17% and in 2023 it will be corrected by 1.33%
to IDR 880,906 million 2019 2020 2021 2022 2023
2,02% (yoy)
Laba Bersih
Net Income
Pertumbuhan Laba Bersih rata-rata selama 5 tahun sebesar
616.691
620.931
651.826
653.723
1,98% dan pada tahun 2023 tumbuh 2,02% menjadi 666.905
Rp666.905 juta
Average Net Income Growth for 5 years is 1.98% and in 2023
it will grow 2.02% to IDR 666,905 million
2019 2020 2021 2022 2023
5,46% (yoy)
Laba Komprehensif
Comprehensive Income
613.798
643.738
878.976
632.655
667.200
Pertumbuhan Laba komprehensif rata-rata selama 5 tahun
sebesar 2,11% dan pada tahun 2023 tumbuh 5,46% menjadi
Rp667.200 juta
Average Comprehensive Income growth for 5 years is 2.11%
2019 2020 2021 2022 2023
and in 2023 it will grow 5.46% to IDR 667,200 million
25
PT Bank Sulselbar I Annual Report 2023
Page 28
PENDAHULUAN
INTRODUCTION LAPORAN MANAJEMEN PROFIL PERUSAHAAN TINJAUAN PENDUKUNG BISNIS ANALISA DAN PEMBAHASAN KINERJA
MANAGEMENT REPORT COMPANY PROFILE BUSINESS SUPPORTING OVERVIEW BANK OLEH MANAJEMEN
ANALYSIS AND DISCUSSION OF BANK
PERFORMANCE BY MANAGEMENT
Laporan Arus Kas
Cash Flow Statement
ARUS KAS - CASH FLOW
Tabel Arus Kas dan Setara Kas Tahun 2019 – 2023 (Rp Juta)
CAGR
YOY 2023 -
Keterangan 2023 2022 2021 2020 2019 2019 - Information
2022 (%)
2023 (%)
Kas Bersih
Net Cash Obtained from
Diperoleh dari
1.224.715 1.611.610 1.989.385 (480.643) 679.625 (24,01%) 15,86% (Used for) Operating
(Digunakan untuk)
Activities
Aktivitas Operasi
Kas Bersih /
Net Cash / Obtained
Diperoleh dari
(1.914.602) (206.947) (107.420) (770.126) (501.630) 825,17% 39,77% from (Used for) Investing
(Digunakan untuk)
Activities
Aktivitas Investasi
Kas Bersih
Digunakan Net Cash Used for
(481.759) (196.955) (773.955) 361.693 (146.400) 144,60% 34,69%
untuk Aktivitas Funding Activities
Pendanaan
Kenaikan
Net Increase (Decrease)
(Penurunan) Bersih
(1.171.646) 1.207.708 1.108.010 (889.077) 31.595 (197,01%) (146,77%) in Cash and Cash
Kas dan Setara
Equivalents
Kas
Kas dan Setara Early Year Cash and
4.922.766 3.715.058 2.607.048 3.496.125 3.464.530 32,51% 9,18%
Kas Awal Tahun Cash Equivalents
Kas dan Setara Year-End Cash and
3.751.120 4.922.766 3.715.058 2.607.048 3.496.125 (23,80%) 1,78%
Kas Akhir Tahun Cash Equivalents
32,51% (yoy)
Kas dan Setara Kas Awal Tahun
Cash and Cash Equivalents at Beginning of the Year
Rata-rata pertumbuhan kas setara kas awal tahun selama 5 tahun
sebesar 9,18% dan pada tahun 2023 jumlah kas setara kas awal tahun
sebesar Rp4.922.766 juta atau naik 32,51% dari tahun 2022 (YoY).
3.464.530
3.496.125
2.607.048
3.715.058
4.922.766
The average growth in cash equivalents at the beginning of the year
for 5 years was 9.18% and in 2023 the amount of cash equivalents at
the beginning of the year was IDR 4,922,766 million or an increase of
32.51% from 2022 (YoY).
2019 2020 2021 2022 2023
(23,80%) (yoy)
Kas dan Setara Kas Akhir Tahun
End of Year Cash and Cash Equivalents
3.496.125
2.607.048
3.715.058
4.922.766
3.751.120
Rata-rata pertumbuhan kas setara kas akhir tahun selama 5 tahun sebesar
1,78% dan pada tahun 2023 jumlah kas setara kas akhir tahun sebesar
Rp3.751.120 juta atau turun 23,80% dari tahun 2022 (YoY).
The average growth in cash equivalents at the end of the year for 5 years
2019 2020 2021 2022 2023 was 1.78% and in 2023 the total cash equivalents at the end of the year
was IDR 3,751,120 million or down 23.80% from 2022 (YoY).
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PT Bank Sulselbar I Laporan Tahunan 2023
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LAPORAN TATA KELOLA PERUSAHAAN LAPORAN INFORMASI STRUKTUR PERMODALAN LAPORAN TANGGUNG JAWAB LAPORAN KEUANGAN AUDIT
GOOD CORPORATE GOVERNANCE DAN EKSPOSUR RISIKO SOSIAL PERUSAHAAN AUDITED FINANCIAL STATEMENT
CAPITAL INFORMATION AND RISK EXPOSURE CORPORATE SOCIAL
RESPONSIBILITY REPORT
Rasio Keuangan
Financial Ratios
Growth
Uraian 2023 2022 2021 2020 2019 Description
YoY 2022- CAGR 2019-
2023 2023
Permodalan Capital
CAR 28.61% 27.54% 21.30% 24.03% 22.98% 3.88% 5.63% CAR
Kualitas Aset Asset Quality
Aset produktif
non-performing earning
bermasalah terhadap 1.73% 1.06% 0.81% 0.61% 1.08% 62.80% 12.50%
assets to total assets
total aset produktif
Aset produktif
bermasalah dan non-performing earning
aset non produktif assets and non-
1.59% 0.98% 0.73 0.24% 1.12% 62.24% 9.16%
bermasalah terhadap performing earning assets
total aset produktif to total assets
dan aset non produktif
NPL Gross 2.16% 1.23% 0.92% 0.67% 1.25% 75.27% 14.65% Gross NPLs
NPL Net 0.74% 0.19% 0.02% 0.28% 0.94% 280.15% (5.81%) Net NPLs
Rentabilitas Profitability
ROA 2.91% 2.95% 3.09% 3.12% 3.36% (1.24%) (3.53%) ROA
ROE 15.44% 15.72% 17.47% 18.65% 20.72% (1.80%) (7.09%) ROE
NIM 6.06% 6.65% 6.66% 6.08% - (8.87%) (0.11%) NIM
NPM 26,04% 25,72% 26.08% 24.98% 25.88% NPM
BOPO 71.40% 74.73% 70.97% 73.43% 68.70% (4.45%) 0.97% OEOI
CIR (Biaya terhadap
46.55% 48.83% 49.16% 51.18% - (4.67%) (3.11%) CIR (Cost to Revenue)
Pendapatan)
CASA 53.95% 56.54% 55.00% 55.00% 54.00% (4.59%) (0.02%) CASA
Likuiditas Liquidity
LDR 111.24% 111.54% 114.19% 121.42% 117.85% (0.27%) (1.43%) LDR
Penyangga Likuiditas Conventional
Makroprudensial 23.29% 11.54%% 17.40% 0.00% 0 101,28% N/A Macroprudential Liquidity
(PLM) konvensional Buffer (PLM)
Rasio Intermediasi Macroprudential
Makroprudensial 103.80% 104.60% 105.70% 108.70% 107.60% (0.76%) (0.89%) Intermediation Ratio
(RIM) (RIM)
Solvabilitas Solvency
Rasio Liabilitas
terhadap Ekuitas 541.28% 557.68% 556.59% 573.55% 583.61% (2.94%) (1.86%) Liability to Equity Ratio
(DER)
Rasio Liabilitas
84.41% 84.80% 84.77% 85.15% 85.37% (0.46%) (0.28%) Liabilities to Assets Ratio
terhadap Aset (DAR)
Kepatuhan Obedience
Persentase
Percentage of Related
Pelanggaran BMPK 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Parties' LLL Violations
Pihak Terkait
Persentase Percentage of Non-
Pelanggaran BMPK 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% Related Party LLL
Pihak Tidak Terkait Violations
Persentase Percentage of Exceeding
Pelampauan BMPK 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% the LLL for Related
Pihak Terkait Parties
Persentase Percentage of Exceeding
Pelampauan BMPK 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% the LLL for Unrelated
Pihak Tidak Terkait Parties
Giro Wajib Minimum
Main Statutory Reserves
Utama Rupiah 6.89% 5.37% 3.61% 3.03% 6.10% 28.31% 3.09%
for Conventional Rupiah
konvensional
Giro Wajib Minimum Sharia Rupiah Statutory
5.44% 7.32% 3.75% 4.01% 0 (25.68%) 10.70%
Utama Rupiah syariah Reserves
Conventional Foreign
Giro Wajib Minimum
4.16% 13.12% 19.84% 11.41% 0 (68.29%) (28.56%) Currency Statutory
Valuta Asing
Reserves
Posisi Devisa Netto
0.12% 0.06% 0.08% 0.01% - 100.00% 128.94% Net Open Position (GDP)
(PDN)
27
PT Bank Sulselbar I Annual Report 2023
Page 30
PENDAHULUAN
INTRODUCTION LAPORAN MANAJEMEN PROFIL PERUSAHAAN TINJAUAN PENDUKUNG BISNIS ANALISA DAN PEMBAHASAN KINERJA
MANAGEMENT REPORT COMPANY PROFILE BUSINESS SUPPORTING OVERVIEW BANK OLEH MANAJEMEN
ANALYSIS AND DISCUSSION OF BANK
PERFORMANCE BY MANAGEMENT
Ikhtisar Operasional
Operational Overview
Kinerja Keuangan Per Segmen -
Financial Performance Per Segment
DANA PIHAK KETIGA THIRD-PARTY FUNDS
Tabel Dana Pihak Ketiga Konsolidasi Tahun 2020 – 2023 (Rp Juta)
Table of Consolidated Third Party Funds 2020 – 2023 (Rp Million)
Dana Pihak Ketiga Consolidated Third
2023 2022 2021 2020 YoY CAGR Proporsi
Konsolidasi Party Funds
Giro 4.802.078 5.414.807 5.069.986 4.284.826 (11,32%) 3,87% 23,85% Current Accounts
Tabungan 6.203.909 5.595.373 5.165.246 4.636.149 10,88% 10,20% 30,81% Savings
Deposito Berjangka 9.132.636 8.538.250 8.388.795 7.264.841 6,96% 7,93% 45,35% Time Deposit
Jumlah 20.138.623 19.548.430 18.624.027 16.185.816 3,02% 7,56% 100,00% Total
CASA 54,65% 56,32% 54,96% 55,12% CASA
Tabel Dana Pihak Ketiga Konvensional Tahun 2020 – 2023 (Rp Juta)
Table of Conventional Third Party Funds 2020 – 2023 (Rp Million)
Dana Pihak Ketiga Conventional Third
2023 2022 2021 2020 YoY CAGR Proporsi
Konvensional Party Funds
Giro 4.300.371 5.031.458 4.698.679 4.000.732 (14,53%) 2,44% 22,81% Current Accounts
Tabungan 5.870.364 5.352.649 4.971.045 4.498.685 9,67% 9,28% 31,14% Savings
Deposito Berjangka 8.680.344 7.916.884 7.823.579 6.809.104 9,64% 8,43% 46,05% Time Deposit
Jumlah 18.851.079 18.300.991 17.493.303 15.308.521 3,01% 7,19% 100,00% Total
CASA 53,95% 56,74% 55,28% 55,52% CASA
Tabel Dana Pihak Ketiga Syariah Tahun 2020 – 2023 (Rp Juta)
Table of Sharia Third Party Funds 2020 – 2023 (Rp Million)
Dana Pihak Ketiga Syariah Third Party
2023 2022 2021 2020 YoY CAGR Proporsi
Syariah Funds
Giro 501.707 383.349 371.307 284.094 30,87% 20,87% 38,97% Current Accounts
Tabungan 333.545 242.724 194.201 137.464 37,42% 34,38% 25,91% Savings
Deposito Berjangka 452.292 621.366 565.216 455.737 (27,21%) (0,25%) 35,13% Time Deposit
Jumlah 1.287.544 1.247.439 1.130.724 877.295 3,21% 13,64% 100,00% Total
CASA 64,87% 50,19% 50,01% 48,05% CASA
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PT Bank Sulselbar I Laporan Tahunan 2023
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LAPORAN TATA KELOLA PERUSAHAAN LAPORAN INFORMASI STRUKTUR PERMODALAN LAPORAN TANGGUNG JAWAB LAPORAN KEUANGAN AUDIT
GOOD CORPORATE GOVERNANCE DAN EKSPOSUR RISIKO SOSIAL PERUSAHAAN AUDITED FINANCIAL STATEMENT
CAPITAL INFORMATION AND RISK EXPOSURE CORPORATE SOCIAL
RESPONSIBILITY REPORT
KREDIT DAN PEMBIAYAAN SYARIAH LENDING AND FINANCING
KREDIT DAN LENDING &
PEMBIAYAAN SYARIAH 2023 2022 2021 2020 YoY CAGR PROPORSI FINANCING
KONSOLIDASI CONSOLIDATION
Investasi 2.401.896 2.471.628 2.530.402 2.262.892 -2,82% 2,01% 10,72% Investment
Modal Kerja 2.259.477 2.220.244 2.255.160 1.924.871 1,77% 5,49% 10,09% Working Capital
Konsumtif 932.085 842.815 778.139 677.219 10,59% 11,24% 4,16% Consumptive
Kredit Perumahan Rakyat
757.844 665.565 565.167 361.196 13,86% 28,02% 3,38% Mortgage(KPR)
(KPR)
Kredit Umum Lainnya 16.051.825 15.603.220 15.138.552 14.427.349 2,88% 3,62% 71,65% Other s
Total 22.403.127 21.803.473 21.267.419 19.653.526 2,75% 4,46% 100,00% Total
CKPN 433.244 375.338 269.439 139.956 15,43% 45,74% CKPN
Total Net 21.969.883 21.428.135 20.997.980 19.513.570 2,53% 4,03% Total Net
Tabel Produk Kredit Konvensional Tahun 2020 – 2023 (Rp Juta)
Table of Conventional Loan Products 2020 – 2023 (Rp Million)
Kredit 2023 2022 2021 2020 YoY CAGR Proporsi Lending
Kredit Investasi 2.236.902 2.284.202 2.377.303 2.151.739 (2,07%) 1,30% 10,66% Investment
Kredit Modal Kerja 1.930.900 1.935.118 1.937.240 1.695.474 (0,22%) 4,43% 9,20% Working Capital
Kredit Perumahan
757.844 665.565 565.167 361.196 13,86% 28,02% 3,61% Mortgage (KPR)
Rakyat (KPR)
Kredit Umum Lainnya 16.051.825 15.603.220 15.138.552 14.427.349 2,88% 3,62% 76,52% Other
Jumlah 20.977.471 20.488.105 20.018.262 18.635.758 2,39% 4,02% 100,00% Total
CKPN 395.866 347.259 259.775 125.805 14,00% 46,54% CKPN
Total Kredit Nett 20.581.605 20.140.846 19.758.487 18.509.953 2,19% 3,60% Total Lending Net
Tabel Produk Pembiayaan Syariah Tahun 2020 – 2023 (Rp Juta)
Table of Sharia Financing Products 2020 – 2023 (Rp Million)
Pembiayaan 2023 2022 2021 2020 YoY CAGR Proporsi Financing
Investasi 164.994 187.426 153.099 111.153 (11,97%) 14,07% 11,57% Investment
Modal Kerja 328.577 285.126 317.920 229.397 15,24% 12,72% 23,05% Working Capital
Konsumtif 932.085 842.815 778.139 677.219 10,59% 11,24% 65,38% Consumptive
Jumlah 1.425.656 1.315.367 1.249.157 1.017.769 8,38% 11,89% 100,00% Total
Penyisihan Kerugian 37.378 28.079 9.664 14.151 33,12% 38,23% Loss Allowance
Jumlah Bersih 1.388.278 1.287.288 1.239.494 1.003.618 7,85% 11,42% Net Total
29
PT Bank Sulselbar I Annual Report 2023
Page 32
PENDAHULUAN
INTRODUCTION LAPORAN MANAJEMEN PROFIL PERUSAHAAN TINJAUAN PENDUKUNG BISNIS ANALISA DAN PEMBAHASAN KINERJA
MANAGEMENT REPORT COMPANY PROFILE BUSINESS SUPPORTING OVERVIEW BANK OLEH MANAJEMEN
ANALYSIS AND DISCUSSION OF BANK
PERFORMANCE BY MANAGEMENT
Ikhtisar Kinerja Lainnya
Other Performance Overview
KETERANGAN 2023 2022 2021 2020 2019 REMARK
Kantor Pusat 1 1 1 1 1 Headquarters
Kantor Cabang Konvensional 31 31 31 31 31 Main Branch Office
Conventional Branch
Kantor Cabang Pembantu 12 6 6 3 3
Office
Kantor Cabang Syariah 4 4 4 4 4 Sharia Branch Office
Kantor Fungsional 54 61 61 64 62 Functional Office
Payment Point 49 43 34 34 23 Payment Point
Konter Layanan Syariah 96 25 25 25 26 Sharia Services Office
ATM/CRM 589 581 551 506 450 ATM/CRM
Mobil Kas 19 19 19 22 22 Mobile Cash
TOTAL 856 772 733 691 623 TOTAL
JUMLAH PEGAWAI 1.370 1.344 1.067 1.062 1.004 TOTAL EMPLOYEES
Auditor's Opinion
Kualifikasi Opini Auditor
Qualifications
Paul
Paul
Hadiwinata,
Hadiwinata, Doli, Bambang, Doli, Bambang, Doli, Bambang,
Hidajat, Public Accountant
Kantor Akuntan Publik Hidajat, Arsono, Sulistiyanto, Sulistiyanto, Sulistiyanto,
Arsono, Retno, Office
Retno, Plilingan Dadang & Ali Dadang & Ali Dadang & Ali
Plilingan &
& Rekan
Rekan
wajar, dalam wajar, dalam wajar, dalam wajar, dalam wajar, dalam
Opini Auditor semua hal semua hal yang semua hal yang semua hal yang semua hal yang Auditor/s Opinion
yang material material material. material. material.
30
PT Bank Sulselbar I Laporan Tahunan 2023
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LAPORAN TATA KELOLA PERUSAHAAN LAPORAN INFORMASI STRUKTUR PERMODALAN LAPORAN TANGGUNG JAWAB LAPORAN KEUANGAN AUDIT
GOOD CORPORATE GOVERNANCE DAN EKSPOSUR RISIKO SOSIAL PERUSAHAAN AUDITED FINANCIAL STATEMENT
CAPITAL INFORMATION AND RISK EXPOSURE CORPORATE SOCIAL
RESPONSIBILITY REPORT
Ikhtisar Saham
Stock Overview
Jumlah dan Jenis Saham Number and Type of Shares
Modal dasar Bank telah mengalami beberapa kali perubahan, The authorized capital of the Bank has undergone several
terakhir berdasarkan Rincian para pemegang saham, changes, most recently based on details of shareholders,
jumlah saham dan nilai masing-masing saham yang telah the number of shares, and the value of each share that has
ditempatkan dan disetor oleh para pemegang saham pada been issued and paid up by shareholders on 31 December
tanggal 31 Desember 2023 berdasarkan Akta Berita Acara 2023 based on the Deed of Minutes of the Extraordinary
Rapat Umum Pemegang Saham Luar Biasa No.08 tanggal General Meeting of Shareholders No. 08 dated 29 December
29 Desember 2022 yang dibuat oleh Rakhmawati Laica 2022 made by Rakhmawati Laica Marzuki, SH, notary in
Marzuki, S.H., notaris di Makassar dan tercatat di administrasi Makassar and registered with the administration of the South
Otoritas Jasa Keuangan Provinsi Sulawesi Selatan No.S-23/ Sulawesi Provincial Financial Services Authority No.S-23/
KR.061/2023 tanggal 5 Februari 2023, terdapat tambahan KR.061/2023 dated 5 February 2023, there is additional
modal disetor Rp19.115.020.375,-, sehingga Jumlah yang paid-in capital of IDR 19,115,020,375,-, so that the amount
disetor oleh para Pemegang Saham sampai dengan 31 paid by Shareholders up to 31 December 2023 reached IDR
Desember 2023 mencapai Rp2.206.183.020.375. 2,206,183,020,375.
Tidak terdapat kepemilikan saham oleh Direksi dan Komisaris There is no share ownership by the Board of Directors and
pada tanggal 31 Desember 2023 dan 2022. Commissioners as of December 31, 2023 and 2022.
Dengan demikian susunan pemegang saham pada tanggal Thus, the composition of shareholders as of December 31,
31 Desember 2023 adalah sebagai berikut: 2023 is as follows:
Tahun 2023 Tahun 2022 Tahun 2021
Pemegang
Shareholders
Saham Jumlah Jumlah Jumlah
Nilai saham % Nilai saham % Nilai saham %
Lembar Lembar Lembar
Pemerintah
Provinsi South Sulawesi
722.436 722.436.000.000 33,03% 722.436 722.436.000.000 33,41% 722.436 722.436.000.000 33,80% Provincial
Sulawesi Government
Selatan
Pemerintah
Provinsi West Sulawesi
44.769 44.769.000.000 2,05% 44.769 44.769.000.000 2,07% 44.769 44.769.000.000 2,09% Provincial
Sulawesi Government
Barat
Pemerintah
Kota se
Government of
Sulawesi 174.740 174.740.000.000 7,99% 174.740 174.740.000.000 8,08% 174.740 174.740.000.000 8,18%
Municipalities
Selatan dan
Barat
Pemerintah
Kabupaten
Government of
se Sulawesi 1.236.352 1.236.352.000.000 56,53% 1.215.851 1.215.851.000.000 56,22% 1.195.351 1.195.351.000.000 55,93%
Regencies
Selatan dan
Barat
Koperasi Jasa
PT. Bank
Kesejahteraan Sulselbar
Warga 8.771 8.771.000.000 0,40% 4.800 4.800.000.000 0,22% 0 0 0,00% Employee
PT Bank Welfare
Cooperative
Sulselbar
Jumlah 2.187.068 2.187.068.000.000 100,00% 2.162.596 2.162.596.000.000 100,00% 2.137.296 2.137.296.000.000 100,00% Total
31
PT Bank Sulselbar I Annual Report 2023
Page 34
PENDAHULUAN
INTRODUCTION LAPORAN MANAJEMEN PROFIL PERUSAHAAN TINJAUAN PENDUKUNG BISNIS ANALISA DAN PEMBAHASAN KINERJA
MANAGEMENT REPORT COMPANY PROFILE BUSINESS SUPPORTING OVERVIEW BANK OLEH MANAJEMEN
ANALYSIS AND DISCUSSION OF BANK
PERFORMANCE BY MANAGEMENT
Informasi tentang Perdagangan Information about Stock Trading and
Saham dan Kepemilikan Saham oleh Public Ownership of Shares
Publik
Hingga 31 Desember 2023 Bank Sulselbar tidak Until 31 December 2023, Bank Sulselbar does not trade its
memperdagangkan sahamnya kepada publik, dan tidak shares to the public and does not have a share ownership
memiliki program kepemilikan saham baik oleh manajemen program for either management or employees (ESOP/
maupun oleh karyawan (ESOP/MSOP). Dengan demikian, MSOP). Thus, there is no information regarding stock trading
tidak terdapat informasi terkait perdagangan saham yang which includes market capitalization based on prices on
memuat kapitalisasi pasar berdasarkan harga pada Bursa the Stock Exchange where the shares are listed; highest,
Efek tempat saham dicatatkan; harga saham tertinggi, lowest, and closing share prices based on prices on the
terendah, dan penutupan berdasarkan harga pada Bursa Stock Exchange where the shares are listed; share trading
Efek tempat saham dicatatkan; volume perdagangan volume on the Stock Exchange where the shares are listed;
saham pada Bursa Efek tempat saham dicatatkan; dan and information in graphic form containing at least the closing
informasi dalam bentuk grafik yang memuat paling kurang price based on the price on the Stock Exchange where the
harga penutupan berdasarkan harga pada Bursa Efek shares are listed and the share trading volume on the Stock
tempat saham dicatatkan dan volume perdagangan saham Exchange where the shares are listed. For each quarter
pada Bursa Efek tempat saham dicatatkan. Untuk setiap in the last 2 (two) financial years; including the temporary
masa triwulan dalam 2 (dua) tahun buku terakhir; termasuk suspension of share trading in the last 2 (two) years (2022-
penghentian sementara perdagangan saham dalam 2 (dua) 2023).
tahun terakhir (2022-2023).
Informasi Tentang Aksi Korporasi Information about Corporate Actions
Sepanjang tahun 2022 dan 2023, Bank Sulselbar’ tidak Throughout 2022 and 2023, Bank Sulselbar will not carry out
melakukan aksi korporasi seperti pemecahan saham corporate actions such as stock splits, reverse stock, bonus
(stock split), penggabungan saham (reverse stock), saham shares, and changes in the nominal value of shares. Banks
bonus dan perubahan nilai nominal saham. Bank juga tidak also do not issue new bonds/sukuk.
melakukan penerbitan Obligasi/ Sukuk baru.
Dividen Saham Stock Dividends
Berdasarkan Rapat Umum Pemegang Saham Penggunaan Based on the General Meeting of Shareholders, the use
laba tahun 2022 Penggunaan laba bersih tahun 2022 of Income for 2022. The use of Net Income for 2022 is
ditetapkan berdasarkan Berita Acara Rapat Umum determined based on the Minutes of the Annual General
Pemegang Saham Tahunan Bank Sulselbar No.03 tanggal Meeting of Shareholders of Bank Sulselbar No.03 dated 13
13 Maret 2023 dengan dihadiri notaris Rakhmawati Laica March 2023, attended by notary Rakhmawati Laica Marzuki,
Marzuki, S.H., Disetujui bahwa penggunaan laba bersih untuk SH. It was approved that the use of Net Income for financial
dividen tahun buku 2022 dengan komposisi untuk dividen year dividends 2022 with a composition for dividends of 60%
sebesar 60% atau Rp392.234.248.289 dan cadangan umum or IDR 392,234,248,289 and general reserves of 40% or IDR
sebesar 40% atau Rp261.489.498.860 dari laba bersih 261,489,498,860 of Net Income of IDR 653,723,747,149. 2)
Rp653.723.747.149. 2) Persetujuan penetapan plafon dana Approval of setting a limit for Corporate Social Responsibility
Corporate Social Responsibility (CSR) tahun 2023 sebesar (CSR) funds in 2023 at 5%.
5%.
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PT Bank Sulselbar I Laporan Tahunan 2023
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LAPORAN TATA KELOLA PERUSAHAAN LAPORAN INFORMASI STRUKTUR PERMODALAN LAPORAN TANGGUNG JAWAB LAPORAN KEUANGAN AUDIT
GOOD CORPORATE GOVERNANCE DAN EKSPOSUR RISIKO SOSIAL PERUSAHAAN AUDITED FINANCIAL STATEMENT
CAPITAL INFORMATION AND RISK EXPOSURE CORPORATE SOCIAL
RESPONSIBILITY REPORT
Jumlah
Dividen
Tanggal Surat Rasion Saham yang Dividen per
Tahun Tahun Buku Tanggal Kas yang
Ke Pemegang Pembagian berhak atas lembar (Rp/
Pembagian Deviden Pembayaran dibagikan
Saham Dividen dividen lembar) penuh
(*juta)
(lembar)
2023 2022 13-Mar-23 12-Mei-2022 392.234 60% 2.162.596 303.406
2022 2021 31-Mar-22 09-Jul-021 391.065 60% 2.137.296 435.070
2021 2020 26-Mar-21 27-Des-21 372.559 60% 1.129.438 515.710
2020 2019 21-Apr-20 30-Apr-20 370.015 60% 1.056.063 583.952
Informasi Tentang Obligasi, Sukuk Information about Bonds, Sukuk, or
atau Obligasi Konversi Convertible Bonds
Sampai dengan 31 Desember 2023, Bank Sulselbar As of December 31, 2023, Bank Sulselbar will not issue
tidak melakukan penerbitan sukuk atau obligasi maupun sukuk or bonds or other funding, while active sukuk or bonds
pendanaan lainnya, adapun untuk sukuk atau obligasi yang reach IDR 1,642 billion
masih aktif mencapai Rp1.642 miliar
Nominal Rating Name of
Nama Obligasi Tanggal Tanggal Jatuh Tenor Mata
Kupon (Rp Bonds and
dan Sukuk Penerbitan Tempo (tahun) Uang 2023 2022
miliar) Sukuk
Obligasi Bank
Sulselbar 2nd
Berkelanjutan II
Sustainable
Bank Sulselbar
Bond 2nd
Tahap II Phase
idA+
Seri B 18-Nov-20 18-Nov-25 5 8,75% Rupiah 392 idA+ (Pefindo) Series B
(Pefindo)
Obligasi Bank
Sulselbar 3rd
Berkelanjutan III
Sustainable
Bank Sulselbar
Bond 1st
Tahap I Phase
idA+
Seri A 29 Desember 2021 29 Desember 2024 3 6,45% Rupiah 630 idA+ (Pefindo) Series A
(Pefindo)
idA+
Seri B 29 Desember 2021 29 Desember 2026 5 6,95% Rupiah 620 idA+ (Pefindo) Series B
(Pefindo)
Informasi Pendanaan Lainnya Other Funding Information
Sampai dengan 31 Desember 2023, Bank Sulselbar tidak As of December 31, 2023, Bank Sulselbar will not issue
menerbitkan Efek lainnya, sehingga tidak terdapat informasi other Marketable securities, so there is no information on the
kronologi penerbitan dan/atau pencatatan Efek lainnya. chronology of the issuance and/or listing of other Marketable
securities.
33
PT Bank Sulselbar I Annual Report 2023
Page 36
PENDAHULUAN
INTRODUCTION LAPORAN MANAJEMEN PROFIL PERUSAHAAN TINJAUAN PENDUKUNG BISNIS ANALISA DAN PEMBAHASAN KINERJA
MANAGEMENT REPORT COMPANY PROFILE BUSINESS SUPPORTING OVERVIEW BANK OLEH MANAJEMEN
ANALYSIS AND DISCUSSION OF BANK
PERFORMANCE BY MANAGEMENT
Peristiwa Penting Tahun 2023
Important Events of 2023
Dalam rangka mendukung pengembangan
desa wisata di Sulsel, Bank Sulselbar
bersama Telkomsel dan IDNESIAN
menggelar program Workshop dengan
tema ‘Penguatan Desa Wisata Berbasis
Ekosistem Digital untuk Peningkatan
Kesejahteraan masyarakat’.
To support the development of tourist
villages in South Sulawesi, Bank
Sulselbar, Telkomsel, and IDNESIAN
held a Workshop program on the theme
‘Strengthening Tourism Villages Based on
10 Januari 2023 Digital Ecosystems to Improve Community 12 Mei 2023
Welfare.’
Verifikasi Lapangan Lomba Kampung Keluarga
Kantor DJP Sulselbartra menganugrahkan Berkualitas di Kampung KB Watang Bacukiki
Penghargaan kepada Bank Sulselbar yang dihadiri oleh Kepala Perwakilan BKKBN
sebagai Penyumbang Pajak Terbesar untuk Sulawesi Selatan Dra. Hj. Andi Ritamariani, M.
tahun pajak 2022. Pd. didampingi Kepala Dinas Pengendalian
Penduduk dan Keluarga Berencana Dr. Hj.
The Sulselbartra DJP Office awarded Bank Halwatiah, S. Kep., Ns., M. Kes., M. M.
Sulselbar an Award as the Largest Tax
Contributor for the 2022 tax year. Field Verification of the Quality Family Village
Competition in KB Watang Bacukiki Village,
which the Head of South Sulawesi BKKBN
Representative Dra attended. Hj. Andi
Ritamariani, M. Pd. accompanied by the Head
of the Population Control and Family Planning
10 Februari 2023 Service, Dr. Hj. Halwatiah, S. Kep., Ns., M. Kes.,
M. M.
Penandatanganan MoU antara PLN
dengan Bank Sulselbar guna memudahkan
pelanggan Tegangan Tinggi (TT) dalam
melakukan pembayaran rekening listrik,
khususnya di Provinsi Sulawesi Selatan dan
Sulawesi Barat.
The signing of an MoU between PLN and
Bank Sulselbar will make it easier for High-
Voltage (TT) customers to make electricity
bill payments, especially in the provinces of
South Sulawesi and West Sulawesi.
06 Maret 2023 14 Juni 2023
Ekosistem ExportHub.id bersama Pemerintah
Sekretaris Daerah Bone Andi Islamuddin Provinsi Sulawesi Selatan, Dinas Perindustrian
membuka Sosialisasi Bimbingan Teknis dan Perdagangan Sulawesi Selatan, dan
Aplikasi Transaksi Non Tunai (TNT) Online Bank Sulselbar mengadakan seminar “Digital
Cash Management Sistem (CMS) Desa Transformation with Alibaba.com” yang diikuti
Se-Kabupaten Bone dirangkaikan dengan oleh lebih dari 100 UKM/IKM Sulawesi Selatan.
Penandatanganan perjanjian kerjasama
antara Pemerintah Daerah Kabupaten Bone The ExportHub.id ecosystem, together with the
dengan PT Bank Sulselbar tentang sewa South Sulawesi Provincial Government, the
lahan milik pemerintah daerah Kabupaten South Sulawesi Industry and Trade Service, and
Bone. Bank Sulselbar, held a seminar called “Digital
Transformation with Alibaba.com,” which was
Bone Regional Secretary Andi Islamuddin attended by more than 100 South Sulawesi
opened the Socialization of Technical SMEs/IKM.
17 April 2023 Guidance for the Non-Cash Transaction
Application (TNT) Online Cash Management
System (CMS) for Villages throughout
Bone Regency, coupled with the Signing
of a cooperation agreement between the
Regional Government of Bone Regency and
PT Bank Sulselbar regarding leasing land
belonging to the regional government of
Bone Regency .
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PT Bank Sulselbar I Laporan Tahunan 2023
Page 37
LAPORAN TATA KELOLA PERUSAHAAN LAPORAN INFORMASI STRUKTUR PERMODALAN LAPORAN TANGGUNG JAWAB LAPORAN KEUANGAN AUDIT
GOOD CORPORATE GOVERNANCE DAN EKSPOSUR RISIKO SOSIAL PERUSAHAAN AUDITED FINANCIAL STATEMENT
CAPITAL INFORMATION AND RISK EXPOSURE CORPORATE SOCIAL
RESPONSIBILITY REPORT
Biro Pengadaan Barang dan Jasa (PBJ)
Sekretariat Daerah Provinsi Sulawesi
Selatan menggelar Sosialisasi Integrasi
Belanja Pengadaan Pemerintah dengan
Digital Payment Bank Sulselbar dan
Penerbitan Tanda Tangan Elektronik pada
Aplikasi BajuBodo di Ruang Pola Kantor
Gubernur Sulsel.
The Goods and Services Procurement
Bureau (PBJ) of the Regional Secretariat of
South Sulawesi Province held a Socialization
on the Integration of Government
Procurement Expenditures with Bank
Sulselbar’s Digital Payment and Issuance
28 Juli 2023 of Electronic Signatures on the BajuBodo 15 Agustus 2023
Application in the Pattern Room of the South
Sulawesi Governor’s Office. Pj Gubernur Sulbar, Prof. Zudan Arif Fakrulloh
Bank Sulselbar menjadi tuan rumah Undian membuka secara resmi Pekan QRIS dan
Nasional Tabungan Simpeda dengan total Pencatatan Rekor MURI Pembayaran PBB P-2
hadiah Rp3 miliar bagi nasabah tabungan Serentak di Kabupaten Majene. Acara dihadiri
Simpeda BPD (Bank Pembangunan Daerah) pula oleh Bupati Majene, Kepala Perwakilan
seluruh Indonesia. Bank BI Sulbar, Kepala Bank Sulselbar Makassar,
Direktur Operasional dan Teknologi Informasi PT
Bank Sulselbar is hosting the National Bank Sulselbar, Iswandi Ayub.
Simpeda Savings Lottery with a total prize
of IDR 3 billion for Simpeda BPD (Regional Acting Governor of West Sulawesi, Prof. Zudan
Development Bank) savings customers Arif Fakrulloh, officially opened the QRIS Week
throughout Indonesia. and MURI Record Recording for Simultaneous
PBB P-2 Payments in Majene Regency. The
event was also attended by the Regent of Majene,
04 September 2023 Head of Representative of Bank BI Sulbar,
Head of Bank Sulselbar Makassar, Director of
Operations and Information Technology of PT
Bank Sulselbar, Iswandi Ayub.
Bank Sulselbar bersama OJK Regional
6 melaksanakan program literasi berupa
Edukasi Siswa Sekolah Islam Terpadu Al
Fatih Program Gemar Menabung yaitu
gerakan kebiasaan menabung sejak yang
sangat baik untuk pembentukan karakter
siswa.
Bank Sulselbar and OJK Regional 6
implemented a literacy program in the form
of Education for Al Fatih Integrated Islamic
School Students, the Savings Love Program,
a movement for the habit of saving, which is
06 Oktober 2023 very good for building students’ character.
Gabungan Perusahaan Ekspor Indonesia
(GPEI), Bank Sulselbar, dan PT Raihan
Perdana Abadi menjalin kerja sama
dalam hal pembiayaan logistik ekspor
guna penyediaan layanan keuangan yang
memadai dari Bank SUlselbar kepada
UMKM yang telah menjadi anggota GPEI.
The Association of Indonesian Export 06 Desember 2023
Companies (GPEI), Bank Sulselbar, and PT
Raihan Perdana Abadi have collaborated in Pemerintah Provinsi Sulsel bersama Bank
terms of financing export logistics to provide Sulselbar melaunching Kartu Kredit Pemerintah
adequate financial services from Bank Daerah diikuti sebanyak 17 Pemerintah
14 November 2023 Sulselbar to MSMEs that have become Kabupaten dan Kota dan termasuk Pemerintah
members of GPEI. Provinsi. Kartu Kredit Pemerintah Daerah
memberikan kemudahan Pemda dalam
melakukan transaksi belanja daerah. Fitur ini
telah tersedia di Sulselbar Mobile banking.
The South Sulawesi Provincial Government,
together with Bank Sulselbar, launched the
Regional Government Credit Card, followed by
17 Regional and City Governments, including the
Provincial Government. Regional Government
Credit Cards make it easier for Regional
Governments to carry out regional shopping
transactions. This feature is available in Sulselbar
35 Mobile banking.
PT Bank Sulselbar I Annual Report 2023
Names mentioned 69 people and organisations named in the text · linked when the evidence is strong
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Bank Sulselbar
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PT Bank Sulselbar I Annual
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PT Bank Sulselbar I
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Bank Sulselbar Annual
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Bank Sulselbar’s
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PT Bank Pembangunan Daerah Sulawesi Selatan
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Bank Sulselbar Jejak Langkah Milestones
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person
Penyediaan Dana
· Komisaris
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Bank Dihadapi Perusahaan
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Bank Risk Manajemen Risiko Bank Management Approach
p.11
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Bank Sulselbar A Glimpse
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Bank Sulselbar Total Aset Total Asset Rp
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Bank Devisa
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person
Dr. Sam Ratulangi
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Koperasi Jasa Kesejahteraan
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PT. Bank Sulselbar Pemerintah Kota
p.13
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PT Bank Pembentukan Unit Usaha Syariah Establishment
p.14
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Bank Pembangunan Daerah Pembukaan Kantor Cabang
p.14
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Bank Sulselbar Bonds I
p.14
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Bank Sulselbar Mudharabah
p.14
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Bank Sulselbar Vision
p.14
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Bank Sulsel
p.14 ×2
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PT Bank Pembangunan Daerah Sulawesi
p.14
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Bank Sulselbar Tahun
p.15
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Bank Sulselbar. KKPD
p.15
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Bank Sulselbar. BPIH
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Bank Sulselbar Resmikan D’Lounge
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Bank Sulselbar Inaugurates D’Lounge
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Bank Sulselbar. Bank Sulselbar
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Direktorat Jenderal Pajak
p.17 ×6
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Bank Kebanggaan
p.17
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Directorate General of Taxes
p.17 ×5
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Bank Sulselbar Raih Penghargaan BPD
p.18
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Bank Sulselbar Wins BPD Award
p.18
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Bank Indonesia
p.18 ×4
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Bank Indonesia Provinsi Sulawesi Selatan
p.18
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Pemerintah Provinsi Sulawesi Selatan
p.18
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Bank Sulselbar Syariah Sukses Akad Kredit Massal
p.19
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Bank Sulselbar Syariah Successfully Mass Loan Agreement
p.19
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PT. Berkah Adam Jasa Abadi
p.19 ×2
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Bank Sulselbar Syariah
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PT. BAJA
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Bank Sulselbar Pefindo Affirms
p.19
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PT Pemeringkat Efek Indonesia
p.19 ×2
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Bank Umum KBMI
p.20 ×4
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Bank Sulselbar's DPK
p.20
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Bank KBMI
p.21
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Bank Indonesia Indonesia Current Account Giro
p.22
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Bank Lain And Other Banks Marketable Surat Berharga
p.22
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Hidajat, Arsono,
· Kantor Akuntan Publik
p.32
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person
Rakhmawati Laica Marzuki
p.33
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person
Marzuki
p.33 ×2
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Financial Services Authority
p.33
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Bank Sulselbar Bond
p.35 ×2
unresolved
person
Dra. Hj. Andi Ritamariani
p.36 ×2
unresolved
person
Dr. Hj. The Sulselbartra DJP Office
p.36
unresolved
person
M. Kes.
p.36 ×2
unresolved
person
Dr. Hj. Halwatiah
p.36
unresolved
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Bank Sulselbar’s Digital Payment
p.37
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Prof. Zudan Arif Fakrulloh Bank Sulselbar
p.37
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Bank BI Sulbar
p.37 ×2
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Bank Sulselbar Makassar
p.37 ×2
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Prof. Zudan Development Bank
p.37
unresolved
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PT Raihan Perdana Abadi
p.37 ×2
unresolved
org
Pemerintah Provinsi Sulsel
p.37
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