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LEVERAGE ECOSYSTEM FOR IMPACTFUL GROWTH MENGOPTIMALKAN EKOSISTEM UNTUK MENINGKATKAN PERTUMBUHAN Laporan Tahunan & Laporan Keberlanjutan 2023 Annual Report & Sustainability Report
Page 2
ii Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Sanggahan
Disclaimer
Selamat datang di Laporan Tahunan PT Allo Bank Indonesia Tbk Welcome to the Annual Report of PT Allo Bank Indonesia Tbk. of
tahun buku 2023 dengan tema “Mengoptimalkan Ekosistem untuk the 2023 fiscal year that carries the theme “Leverage Ecosystem
Meningkatkan Pertumbuhan”. Laporan Tahunan ini diterbitkan for Impactful Growth”. This Annual Report is issued in accordance
sesuai dengan Peraturan Otoritas Jasa Keuangan No. 29/ with OJK Regulation No. 29/POJK.04/2016 concerning the Annual
POJK.04/2016 tentang Laporan Tahunan Emiten atau Perusahaan Report of Issuers or Public Companies and Circular Letter of The
Publik. Penyusunan Laporan Tahunan ini menggunakan ketentuan Financial Services Authority No. 16/SEOJK.04/2021 concerning
yang terdapat pada Surat Edaran Otoritas Jasa Keuangan No. 9/ the Form and Content of The Annual Report of Issuers or
SEOJK.03/2020 tentang Transparansi dan Publikasi Laporan Bank Public Companies.
Umum Konvensional dan Surat Edaran Otoritas Jasa Keuangan
No. 16/SEOJK.04/2021 Tentang Bentuk dan Isi Laporan Tahunan
Emiten Atau Perusahaan Publik.
Laporan Tahunan ini dapat berisi beberapa pernyataan yang This Annual Report may contain several statements, including
merupakan proyeksi dan pandangan masa depan yang projections and future prospects that describe the Bank’s
menggambarkan cara pandang Bank terhadap kejadian-kejadian perspective on future financial events and performance, as well
dan kinerja keuangan di masa depan, serta kondisi keuangan, hasil as financial conditions, operations and operating results, economic
operasi dan hasil usaha, kondisi ekonomi, kondisi sektor, kondisi lalu conditions, sector conditions, traffic conditions, and associated
lintas, serta rencana dan tujuan terkait. Pandangan-pandangan ini plans and objectives. These projections are based on several
didasarkan pada beberapa estimasi dan asumsi saat ini yang dapat current estimates and assumptions that may change along with
berubah seiring dengan ketidakpastian, kontingensi dan berbagai uncertainties, contingencies and various business, economic and
risiko bisnis, ekonomi, dan kompetisi yang dapat berubah sewaktu- competitive risks that may also change at any time; may cause
waktu; dapat menyebabkan hasil kinerja, dan kejadian sebenarnya performance results, and actual events to differ materially from
berbeda secara material dari yang telah diprediksi atau diproyeksi, those predicted or projected, and this is beyond the control of the
dan hal ini berada di luar kendali Bank dan Direksi Bank. Bank and the Bank’s Directors.
Pernyataan-pernyataan tersebut tidak terkait baik secara langsung Those statements are not directly or exclusively related to historical
maupun secara eksklusif dengan fakta-fakta historis dan tidak facts and do not reflect the Bank’s intentions, plans, expectations,
mencerminkan niat, rencana, ekspektasi, asumsi, dan keyakinan assumptions and beliefs regarding future events. There is no
Bank mengenai kejadian-kejadian di masa mendatang. Tidak ada assurance that future events will occur, projections will be achieved,
jaminan bahwa kejadian di masa mendatang akan muncul, proyeksi or the Bank’s assumptions will be correct. These statements are
akan tercapai, atau asumsi Bank benar. Pernyataan-pernyataan not and cannot be considered as a representation of the Bank’s
tersebut bukan dan tidak dapat dianggap sebagai representasi performance in the future.
atas kinerja Bank di masa datang.
Laporan Tahunan ini memuat kata “Allo Bank”, “Bank”, dan This Annual Report contains the words “Allo Bank”, “the Bank”,
“Perseroan” yang didefinisikan sebagai PT Allo Bank Indonesia and “the Company” which are defined as PT Allo Bank Indonesia
Tbk yang menjalankan kegiatan usaha di bidang jasa perbankan. Tbk that carries out business activities in the banking services. The
Penyebutan satuan mata uang “rupiah”, “Rp”, atau “IDR” merujuk currency unit, such as “rupiah”, “Rp”, or “IDR” refers to the official
pada mata uang resmi Republik Indonesia, sedangkan “dolar AS” currency of the Republic of Indonesia, while “US dollar” or “USD”
atau “USD” merujuk pada mata uang resmi Amerika Serikat. Semua refers to the official currency of the United States. All financial
informasi keuangan disajikan dalam mata uang “rupiah”. Laporan information is presented in “rupiah” currency. The report is made
dibuat dalam dua bahasa, yakni bahasa Indonesia dan bahasa in two languages, namely Indonesian and English. Apart from the
Inggris. Selain dalam edisi cetak, laporan serupa dapat diakses print edition, similar reports can be accessed through the Bank’s
melalui situs resmi Bank https://www.allobank.com. official website https://www.allobank.com.
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 3
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 1
Sekilas Allo Bank
Allo Bank at Glance
LEVERAGE ECOSYSTEM
FOR IMPACTFUL GROWTH
MENGOPTIMALKAN EKOSISTEM UNTUK MENINGKATKAN PERTUMBUHAN
Allo Bank saat ini telah berkembang menjadi Allo Bank has been evolving into one of the
salah satu bank umum berbasis digital terkemuka leading digital-based commercial banks within
dalam sektor perbankan Indonesia. Nama Allo the Indonesian banking sector. The name Allo is
merupakan singkatan dari All in One, yang an abbreviation of All in One, which embodies the
mewujudkan aspirasi Bank bagi nasabahnya Bank’s aspirations for its customers to Experience
untuk Experience a Simple Life melalui produk a Simple Life through digital-based banking
dan layanan perbankan berbasis digital yang products and services that are comprehensive,
lengkap, aman dan mudah diintegrasikan safe and easy to integrate with the Group and/
dengan Group dan/atau mitra strategis lainnya. or other strategic partners.
Melayani 7,6 juta nasabah per akhir tahun 2023, Serving 7.6 million customers by the end of 2023,
Allo Bank menyediakan berbagai produk dan Allo Bank provides various innovative digital
layanan perbankan digital inovatif (termasuk Allo banking products and services (including Allo
Pay, Allo Pay+, Allo Prime, Allo Grow, PayLater Pay, Allo Pay+, Allo Prime, Allo Grow, PayLater
dan Instant Cash) terintegrasi dengan ekosistem and Instant Cash) integrated with ecosystem(s)
yang memberikan solusi dan seamless customer that provides solutions and a seamless customer
experience bagi nasabah serta membeirkan experience for customers and provide high
nilai tambah yang tinggi kepada seluruh added value to all stakeholders.
pemangku kepentingan.
Allo Bank adalah anak perusahaan dari CT Allo Bank is a subsidiary of CT Corpora, a leading
Corpora, sebuah Group bisnis terintegrasi consumer-focused integrated business group in
terkemuka yang berfokus pada konsumen di Indonesia with various businesses in financial
Indonesia dengan berbagai usaha di layanan services, media, retail, lifestyle and entertainment.
keuangan, media, ritel, gaya hidup dan hiburan.
2023 Annual Report & Sustainability Report
Page 4
2 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Daftar Isi
02 Profil Dewan Komisaris 71
Laporan Board of Commissioners Profiles
Manajemen Profil Direksi
Board of Directors Profiles
77
Table of Contents Management Report
Pejabat Eksekutif 90
Executive Officers
Laporan Dewan Komisaris 34
Board of Commissioners Report Sumber Daya Manusia 100
Human Resources
Laporan Direksi 42
Board of Directors Report Pengelolaan dan 104
Pengembangan Kompetensi
Surat Pernyataan Anggota 53 Karyawan
Dewan Komisaris dan Direksi Employee Competency Management
Tentang Tanggung Jawab atas and Development
Sanggahan ii Laporan Tahunan 2023 PT Allo
Disclaimer Bank Indonesia Tbk Komposisi Pemegang Saham 108
Responsibility Statement of The Board Shareholders Composition
Sekilas Allo Bank 1 of Commissioners and Board of
Allo Bank at Glance Directors for 2023 Annual Report of Daftar Entitas Anak, Entitas 114
PT Allo Bank Indonesia Tbk Asosiasi, Ventura Bersama dan
Daftar Isi 2 Kerja Sama Operasi
Table of Contents List of Subsidiaries, Associated
Entities, Joint Ventures and Joint
Operations
03
Profil Perusahaan Struktur Grup Perusahaan
Company Group Structure
115
01 Company Profile
Keanggotaan dalam Asosiasi 116
Performa 2023 Informasi Umum dan Identitas 56
Membership in Associations
2023 Performance Perusahaan Kronologis Penerbitan dan/atau 116
General Information and Company Pencatatan Saham
Identity
Chronology of Issuance and/or Share
Kilas Kinerja 2023 8 Listing
Performance Highlights In 2023
Riwayat Singkat Perusahaan 58
Brief History of the Company Kronologis Penerbitan dan/atau 117
Ikhtisar Data Keuangan Penting 9 Pencatatan Efek Lainnya
Key Financial Highlights
Informasi Perubahan Nama 61 Chronology of Issuance and/or Share
Change of Name Information Listing
Ikhtisar Saham 18
Stock Overview
Jejak Langkah Allo Bank 62 Lembaga dan/atau Profesi 118
Allo Bank Milestones Penunjang Perusahaan
Informasi tentang Penerbitan 21 Company’s Supporting Institutions
Obligasi, Sukuk atau Obligasi Kegiatan Usaha dan Pasar yang 64 and/or Professionals
Konversi Dilayani
Information on Issuance of Bonds, Business Activities and Markets Penghargaan dan Sertifikasi 120
Sukuk or Convertible Bonds Served Awards and Certifications
Informasi Sumber Pendanaan 21 Peta Wilayah Usaha 65 Informasi pada Situs Web 121
Lainnya Business Area Map Perusahaan
Information on Other Funding Information on the Company Website
Sources Struktur Organisasi 66
Organizational structure Pendidikan dan/atau Pelatihan 123
Kilas Peristiwa 22 Dewan Komisaris, Direksi,
Event Highlights Visi, Misi dan Budaya 68 Komite-Komite, Sekretaris
Perusahaan Perusahaan dan Unit Audit
Vision, Mission, and Corporate Internal
Culture Education and/or Training for Board
of Commissioners, Board of Directors,
Makna Logo dan Motto 70 Committees, Corporate Secretary,
Perusahaan and Internal Audit Unit
Meaning Behind the Company’s Logo
and Motto
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 5
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 3
04 Ikatan yang Material untuk 158 Informasi Keuangan yang 172
Investasi Barang Modal Mengandung Kejadian yang
Analisis dan Material Commitments for Investment Bersifat Luar Biasa dan Jarang
Pembahasan in Capital Goods Terjadi
Financial Information Containing
Manajemen Realisasi Investasi Barang Modal
Realization of Investment in Capital
158 Extraordinary and Rare Events
Management Discussion Goods Perubahan Peraturan 173
Perundang-undangan yang
and Analysis Aspek Pemasaran 163 Berpengaruh Signifikan
Marketing Aspect Terhadap Perusahan
Tinjauan Perekonomian dan 136 Changes in Legislation that Have
Industri Kebijakan Dividen dan 164 Had a Significant Influence on the
Pembagiannya Company
Economic and Industrial Overview
Dividend Policy and Distribution
Perubahan Kebijakan Akuntansi 177
Rencana dan Kebijakan Strategis 139 dan Dampaknya Terhadap
Perusahaan Informasi tentang Program 165
kepemilikan Saham oleh Perusahaan
Company’s Strategic Plans and
Karyawan dan/atau Manajemen Changes in Accounting Policies and
Policies
(ESOP/MSOP) Their Impact on the Company
Tinjauan Operasi Per Segmen 141 Information on Employee and/
Usaha or Management Stock Ownership Informasi Kelangsungan Usaha 178
Program (ESOP/MSOP) Business Continuity Information
Operational Review by Business
Segment
Informasi tentang Realisasi 166 Uraian Kualitatif dan Kuantitatif 196
Penggunaan Dana Hasil terkait Permodalan dan Eksposur
Tinjauan Keuangan 145
Penawaran Umum Risiko
Financial Review
Information on the Realization of the Qualitative and Quantitative
Use of Public Offering Funds Descriptions Related to Capital and
Kemampuan Membayar Utang 153
Risk Exposure
dan Tingkat Kolektibilitas Piutang
Informasi Transaksi Material 168
Solvency and Receivables yang Mengandung Benturan
Collectability Rate
Kepentingan dan/atau Transaksi
dengan Pihak Afiliasi/Pihak
Struktur Modal dan Kebijakan 155
Berelasi
Manajemen atas Struktur Modal
Information on Material Transactions
Capital Structure and Management
Containing Conflicts of Interest and/
Policy on Capital Structure
or Transactions with Affiliated/Related
Parties
2023 Annual Report & Sustainability Report
Page 6
4 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
05 Komisaris Independen 330 Perlakukan yang Sama Terhadap 429
Seluruh Pemegang Saham
Tata Kelola Independent Commissioner
Equal Treatment for All Shareholders
Perusahaan Direksi
Board of Directors
333
Pemberian Dana untuk Kegiatan 429
yang Baik Transparansi Informasi terkait 343
Sosial dan Politik
Providing Funds for Social and
Good Corporate Governance Dewan Komisaris dan Direksi Political Activities
Transparency of Information
Regarding The Board of Penyediaan Dana kepada 430
Prinsip Dasar Penerapan Tata 294 Commissioners and Board of Pihak Terkait dan
Kelola Perusahaan yang Baik Directors Penyediaan Dana Besar
Basic Principles of Good Corporate Provision of Funds to Related Parties
Governance Nominasi dan Remunerasi 361 and Provision of Large Funds
Dewan Komisaris dan Direksi
Perkembangan Penerapan Tata 296 Nomination and Remuneration Buy Back Share dan/atau 431
Kelola Perusahaan yang Baik of Board of Commissioners and Buyback Obligasi Bank
Development of Good Corporate Directors Buy Back Shares and/or Buyback
Governance Implementation Bank Bonds
Organ Pendukung 367
Penilaian Penerapan Tata Kelola 297 Dewan Komisaris Transaksi yang Mengandung 431
Perusahaan yang Baik Board of Commissioners Supporting Benturan Kepentingan
Assessment of the Good Corporate Organ Transactions Involving Conflicts of
Governance Implementation Interest
Organ Pendukung Direksi 393
Penerapan dan Kesesuaian 299 Supporting Organs of the Board of Program Kepemilikan Saham 432
atas Pedoman Tata Kelola Directors oleh Manajemen dan/atau
Perusahaan Terbuka Karyawan
Implementation and Compatibility
Fungsi Kepatuhan 409 Share Ownership Program for
of Public Company Governance Compliance Function Management and/or Employees
Guidelines
Akuntan Publik 411 Internal Fraud 432
Struktur Tata Kelola 300 Public Accountant Internal Fraud
Perusahaan yang Baik
Good Corporate Governance Manajemen Risiko 412 Kebijakan Anti Korupsi 433
Structure Manajemen Risiko Anti-Corruption Policy
Rapat Umum Pemegang Saham 302 Sistem Pengendalian Internal 419 Sistem Pelaporan Whistleblowing 434
General Meeting of Shareholders Internal Control System Whistleblowing Reporting System
Dewan Komisaris 320 Penerapan Program Anti 424 Kesesuaian Penerapan GCG 435
Board of Commissioners Pencucian Uang, Pencegahan Allo Bank Terhadap Pedoman
Pendanaan Terorisme dan Tata Kelola Perusahaan Terbuka
Pencegahan Pendanaan Conformity of Allo Bank GCG
Proliferasi Senjata Pemusnah Implementation with the Governance
Massal Guidelines for Public Companies
Implementation of Anti-Money
Laundering, Counter-Terrorist Transparansi Praktik 439
Financing, and Counter-Proliferation Bad Governance
Financing of Weapons of Mass Transparency of Bad Governance
Destruction Program Practices
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 7
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 5
06 Hubungan dengan Pemangku 472
Kepentingan
Laporan Relations with Stakeholders
Keberlanjutan Permasalahan dalam Penerapan 473
Sustainability Report Keuangan Berkelanjutan
Issues in Sustainable Finance
Implementation
Ikhtisar Kinerja Keberlanjutan 442
2023 Kinerja Ekonomi Keberlanjutan 474
2022 Sustainable Performance Sustainable Economic Performance
Highlight
Kinerja Lingkungan 481
Penjelasan Direksi 444 Keberlanjutan
The Board of Directors Explanation Sustainable Environmental
Performance
Strategi Keberlanjutan Allo Bank 451
Allo Bank Sustainability Strategy Kinerja Sosial Keberlanjutan 486
Sustainable Social Performance
Tentang Laporan Keberlanjutan 454
About Sustainability Report Verifikasi Tertulis dari 498
Pihak Independen
Profil Perusahaan 456 Written Verification From an
Company Profile Independent Party
Visi, Misi, dan Nilai-Nilai Bank 457 Lembar Umpan Balik 499
Vision, Mission, and Values of the Feedback Sheet
Bank
Tanggapan Terhadap Umpan 501
Skala Usaha 459 Balik Laporan Tahun Sebelumnya
Business Scale Response to the Previous Year’s
Report Feedback
Perubahan Signifikan pada Bank 460
Significant Changes in the Bank
Daftar Pengungkapan Sesuai 502
POJK 51/POJK.03/2017
Keanggotaan pada Asosiasi 461 List of Disclosures in Accordance with
Membership in Associations POJK 51/POJK.03/2017
Tata Kelola Keberlanjutan 462
Sustainability Governance
Komitmen terhadap Penerapan 463
Keuangan Berkelanjutan 07
Laporan
Commitment to Sustainable Finance
Implementation
Pengembangan Kompetensi 464 Keuangan
Terkait Keuangan Berkelanjutan
Financial Statements
Sustainable Financial Competencies
Development
Laporan Keuangan 510
Penilaian Risiko atas Penerapan 470 Financial Statements
Keuangan Berkelanjutan
Risk Assessment on Sustainable
Finance Implementation
2023 Annual Report & Sustainability Report
Page 8
6 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 9
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 7
01
Performa
2023
2023
Performance
2023 Annual Report & Sustainability Report
Page 10
8
KILAS KINERJA 2023
Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Performance Highlights In 2023
KINERJA OPERASIONAL OPERATIONAL PERFORMANCE
KINERJA PRODUK KREDIT
2,50
Loan Product Performance
7.385.708 Juta
Million
KINERJA PRODUK SIMPANAN
10,94
Saving Product Performance
4.898.665 Juta
Million
KINERJA KEUANGAN FINANCIAL PERFORMANCE
ASET
15,30
Assets
Rp12.750.435 Juta
Million
LABA BERSIH TAHUN BERJALAN
64,64
Net profit for the year
Rp444.566 Juta
Million
KOMITMEN KE DEPAN FORWARD-LOOKING COMMITMENT
Bank terus memperkuat fondasi bisnisnya The Bank continues to solidify its business
dengan memperkuat sinergi dengan ekosistem foundation by reinforcing synergies with the
CT Corpora dan mitra strategis lainnya dan CT Corpora ecosystem and other strategic
memposisikan diri sebagai bank umum partners and positioning itself as a digital
berbasis layanan digital yang berfokus untuk service-based commercial bank that focuses
memberikan produk dan layanan terbaik on providing the best products and services
secara daring, sehingga para nasabah dapat online, allowing customers to access banking
mengakses layanan perbankan dengan aman, services safely, comfortably, easily, anytime
nyaman, mudah, kapan saja dan dimana and anywhere so that it becomes part of their
saja sehingga menjadi bagian dari aktivitas daily life activities.
kehidupannya sehari-hari
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 11
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 9
Ikhtisar Data
Keuangan Penting
Key Financial Highlights
Laporan Laba (Rugi) dan Penghasilan Komprehensif Lain
Profit (Loss) and Comprehensive Income Statement
(dalam jutaan rupiah)
(in million rupiah)
Uraian
2023 2022 2021 2020 2019
Description
Pendapatan Operasional
1.159.330 760.749 301.156 51.942 158.415
Operating Income
Pendapatan Bunga Bersih
1.036.755 627.229 195.318 47.591 90.458
Net Interest Income
Pendapatan Operasional selain Bunga
122.575 133.520 105.838 4.351 67.957
Other Operating Income
Biaya Kerugian Penurunan Nilai Aset Keuangan
(47.942) (44.262) 2.997 83.077 (110.928)
Allowance for Impairment Losses on Financial Assets
Biaya Operasional
(535.827) (359.884) (84.005) (90.667) (96.354)
Operating Expenses
Laba (Rugi) Operasional
575.561 356.603 220.148 44.352 (48.867)
Operating Profit (Loss)
Pendapatan non Operasional
(287) (4.291) (148) 1.474 2.447
Non-Operating Income
Laba/(Rugi) Sebelum Pajak Penghasilan
575.274 352.312 220.000 45.826 (46.420)
Profit/(Loss) before Income Tax
Laba/(Rugi) Bersih
444.566 270.030 192.475 37.011 (36.550)
Net Profit/(Loss)
Pendapatan/(Beban) Komprehensif Lainnya
39.283 15.967 15.283 10.289 304
Other Comprehensive Income/(Expenses)
Total Laba Komprehensif
483.849 285.997 207.758 47.300 (36.246)
Total Comprehensive Profit
Laba Bersih Per Saham (dalam Rupiah penuh)
20,46 12,43 24,26 8,85 (8,73)
Earnings per Share (in full Rupiah Amount)
2023 Annual Report & Sustainability Report
Page 12
10 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Pendapatan Bunga Bersih Laba/(Rugi) Sebelum Pajak Laba (Rugi) Tahun Berjalan
Net Interest Income Profit/(Loss) before Tax Profit (Loss) for the Year
(Rp juta) | (Rp Million) (Rp juta) | (Rp Million) (Rp juta) | (Rp Million)
1.036.755 575.274 444.566
352.312 270.030
627.229
192.475
220.000
195.318
45.826 37.011
90.458 (46.420) (36.550)
47.591
2023 2022 2021 2020 2019 2023 2022 2021 2020 2019 2023 2022 2021 2020 2019
Laporan Posisi Keuangan
Statement of Financial Position
(dalam jutaan rupiah)
(in million rupiah)
Uraian
2023 2022 2021 2020 2019
Description
Aset
Assets
Aset Produktif
12.184.632 10.431.565 4.182.567 2.251.346 2.246.634
Productive Assets
Kredit yang Diberikan
7.385.708 7.205.558 2.198.243 1.275.827
Loans 1.660.864
Efek-Efek
3.182.839 1.896.710 1.814.862 934.119 115.565
Marketable Securities
Reverse Repo 0 764.529 - - 46.800
Penempatan pada BI
199.971 374.938 99,985 34.991 348.456
Placement with BI
Penempatan pada Bank Lain
1.416.114 189.830 69.478 3.908 74.949
Placement with Other Banks
Aktiva Tetap & Inventaris
202.524 154.809 30.123 30.377 32.804
Fixed Assets & Inventories
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 13
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 11
Uraian
2023 2022 2021 2020 2019
Description
Agunan yang Diambil Alih
0 - 221.004 204.487 151.646
Foreclosed Collaterals
Jumlah Aset
12.750.435 11.058.957 4.649.357 2.586.663 2.527.173
Total Assets
Liabilitas & Ekuitas
Liabilities & Equity
Dana Pihak Ketiga
4.898.665 4.415.491 2.124.024 1.468.314 1.970.198
Third Party Funds
Giro
48.190 39.700 165.640 182.908 263.642
Current Accounts
Tabungan
465.110 309.249 103.662 107.294 112.807
Saving Accounts
Deposito
4.385.365 4.066.542 1.854.722 1.178.112 1.593.749
Time Deposits
Simpanan dari Bank Lain
45.000 - 161.203 22.522 217.171
Deposits from Other Banks
Kewajiban Surat Berharga Repo
611.288 - 960.445 715.522 -
Repo Securities Liabilities
Jumlah Liabilitas
5.865.359 4.647.688 3.346.086 2.239.597 2.227.408
Total Liabilities
Jumlah Ekuitas
6.885.076 6.411.269 1.303.271 347.066 299.765
Total Equity
Jumlah Liabilitas dan Ekuitas
12.750.435 11.058.957 4.649.357 2.586.663 2.527.173
Total Liabilities and Equity
Jumlah Aset Jumlah Liabilitas Jumlah Ekuitas
Total Asset Total Liabilities Total Equity
(Rp juta) | (Rp Million) (Rp juta) | (Rp Million) (Rp juta) | (Rp Million)
12.750.435 5.865.359 6.885.076
6.411.269
11.058.957
4.647.688
3.346.086
4.649.357 2.239.597 2.227.408
2.586.663 2.527.173 1.303.271
347.066 299.765
2023 2022 2021 2020 2019 2023 2022 2021 2020 2019 2023 2022 2021 2020 2019
2023 Annual Report & Sustainability Report
Page 14
12 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Laporan Arus Kas
Statements of Cash Flows
(dalam jutaan rupiah)
(in million rupiah)
Uraian
2023 2022 2021 2020 2019
Description
Arus Kas dari Aktivitas Operasi
Cash Flows from Operating Activities
Pendapatan Bunga yang Diterima
1.299.219 774.175 314.316 160.201 222.291
Interest Income Received
Beban Bunga yang Dibayar
(289.560) (134.222) (154.808) (116.900) (136.107)
Interest Expenses Paid
Pendapatan Operasional Lainnya
104.309 98.743 106.274 4.169 7.156
Other Operating Income
Penerimaan Kembali Aset yang
Telah Dihapusbukukan
18.266 243 - 182 60.800
Recoveries of assets that have been
written off
Beban Tenaga Kerja
(147.240) (73.742) (57.228) (54.543) (60.461)
Personnel Expenses
Beban Administrasi dan Umum
(336.206) (251.979) (32.810) (36.802) (129.189)
Administrative and general expenses
Pembayaran Pajak Penghasilan
(127.159) (78.895) (23.756) 0 (213)
Income Tax Payments
Beban Non Operasi – Bersih
(18.176) 4.606) 1.140 1.463 2.569
Non-operating expenses – net
Arus Kas dari Aktivitas Operasi sebelum
Perubahan Aset dan Kewajiban
Cash flows from operating activities before 503.452 329.717 153.128 (42.230) (33.154)
changes in
assets and liabilities
Perubahan dalam Aset dan Kewajiban Operasi:
Changes in operating assets and liabilities:
Penempatan pada BI dan Bank Lain
Placements with Bank Indonesia and other 0 - - (500) 11.200
banks
Efek-Efek yang Dibeli dengan Janji Dijual
Kembali
764.099 (764.099) - 46.800 (46.800)
Securities purchased under resale
agreements
Kredit yang Diberikan
(180.150) (5.025.843) (922.416) 390.912 (22.789)
Loans
Laporan Tahunan & Laporan Keberlanjutan 2023
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 13
Uraian
2023 2022 2021 2020 2019
Description
Biaya Dibayar Dimuka
15.021 (37.941) (296) 7.173 1.940
Prepaid expenses
Agunan yang Diambil Alih
0 221.004 (16.517) (52.841) (12.100)
Foreclosed assets
Aset Lain-Lain
40.901 71.640 (44.158) (2.915) 12.692
Other assets
Simpanan
Deposits
Giro
8.333 (131.485) (20.086) (135.365) 67.536
Current Accounts
Tabungan
155.862 205.586 (3.631) (5.514) (5.034)
Saving Accounts
Deposito
363.824 2.056.320 818.110 (555.656) 233.344
Deposits
Kewajiban Surat Berharga Repo
611.288 (960.445) 244.923 715.522 -
Repo Securities Liabilities
Utang Pajak
9.464 4.588 23.326 (1.284) 1.019
Taxes payables
Kewajiban Lain-Lain
56.003 121.184 26.482 9.742 2.136
Other liabilities
Efek-Efek yang Dibeli dengan Janji Dijual
Kembali
2.348.097 (3.909.774) 258.865 373.844 209.990
Securities purchased under resale
agreements
Arus Kas dari Aktivitas Investasi
Cash Flows from Investing Activities
Efek-Efek
(1.254.500) (81.848) (866.478) (818.554) (24.228)
Marketable Securities
Pembelian Aset Tetap
(88.331) 24.629 58 11 41
Purchases of fixed assets
Hasil Penjualan Aset Tetap
19 (65.746) (720) (2.679) -
Proceeds from sale of fixed assets
Pembelian Aset Tak Berwujud
(1.355,317) (248.861) (867.203) (821.503) (24.680)
Purchases of intangible assets
Arus Kas dari Aktivitas Pendanaan
Cash Flows from Financing Activities
Penambahan Modal Disetor
0 1.004.732 749.850 - -
Additional Paid in Capital
Tambahan Modal dari Agio Saham
0 3.795.664 - - -
Additional capital from share premium
Biaya atas Penerbitan Saham
0 - (1.403) - -
Transaction cost issuance of shares
2023 Annual Report & Sustainability Report
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14 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Uraian
2023 2022 2021 2020 2019
Description
Pembayaran Liabilitas Sewa
(13.292) (14.523) 0 0 0
Payment of Lease Liabilities
Arus Kas Bersih Diperoleh dari Aktivitas
Pendanaan
(13.292) 4.785.873 748.447 - -
Net cash flows provided by financing
activities
Kenaikan Bersih Kas dan Setara Kas
979.488 627.239 140.109 (447.659) 185.310
Increase in Cash and Cash Equivalents
Kas dan Setara Kas Awal Periode
Cash and Cash Equivalents at The 873.888 246.649 106.540 554.199 368.889
Beginning of The Period
Kas dan Setara Kas Akhir Periode
Cash and Cash Equivalents at The End of 1.853.375 873.888 246.649 106.540 554.199
The Period
Pengungkapan Tambahan
Additional Disclosures
Kas dan Setara Kas Terdiri dari:
Cash and cash equivalents consist of:
Kas
3.849 3.174 12.450 14.025 14.736
Cash
Giro pada Bank Indonesia
233.442 305.946 64.736 51.616 116.120
Current accounts with Bank Indonesia
Giro pada Bank Lain
216.114 189.830 69.478 3.908 9.549
Current accounts with other banks
Penempatan pada Bank Indonesia dan Bank
Lain
1.399.971 374.938 99.985 36.991 413.794
Placements with Bank Indonesia and other
banks
Jumlah Kas dan Setara Kas
1.853.375 873.888 246.649 106.540 554.199
Total Cash and cash equivalents
Laporan Tahunan & Laporan Keberlanjutan 2023
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 15
Rasio-Rasio Keuangan
Financial Ratios
dalam %
In %
Uraian
2023 2022 2021 2020 2019
Description
Permodalan
Capital
Rasio Kecukupan Modal
83,35 79,53 48,82 19,61 16,20
Capital Adequacy Ratio (CAR)
CAR Tier 1 82,29 78,62 48,02 19,10 15,56
CAR Tier 2 1,06 0,92 0,80 0,51 0,64
Aset Tetap terhadap Ekuitas
2,94 2,41 2,31 7,62 10,94
Fixed Assets to Equity
Aset Produktif
Productive Assets
Aset Produktif dan Non-Produktif
Bermasalah terhadap Total Aset Produktif
dan Non-Produktif
0,05 0,00 2,12 6,54 12,69
Non-performing productive and non-
productive assets to
total productive and non-productive assets
Aset Produktif Bermasalah terhadap Total
Aset Produktif
0,05 0,00 0,27 1,57 7,51
Non-performing productive assets to total
productive assets
CKPN Aset Keuangan terhadap Aset
Produktif
0,51 0,52 0,64 1,27 4,71
Allowance for impairment losses on
financial assets to productive assets
NPL Bruto
0,08 0,01 0,52 2,76 10,16
NPL Gross
NPL Neto
0,05 0,01 0,29 1,75 3,93
NPL Net
Profitabilitas
Profitability
Rasio Laba (Rugi) terhadap Jumlah Aset
4,76 3,55 4,74 2,04 -1,87
Return on Asset (ROA)
Rasio Laba (Rugi) terhadap Ekuitas
6,70 4,36 25,64 13,72 -12,83
Return on Equity (ROE)
Marjin Bunga Bersih
9,01 6,70 4,63 2,44 4,21
Net Interest Margin (NIM)
2023 Annual Report & Sustainability Report
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16 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Uraian
2023 2022 2021 2020 2019
Description
Biaya Operasional terhadap Pendapatan
Operasional (BOPO)
59,87 60,51 52,38 82,23 116,84
Operational Expenses to Operating Income
Ratio (BOPO)
Cost to Income Ratio (CIR) 46,25 47,41 27,95 174,55 82,28
Rasio Laba (Rugi) terhadap
Pendapatan/Penjualan 38,35 35,50 63,91 71,25 (23,07)
Profit (Loss) to Revenue/Sales Ratio
Rasio Lancar
85,86 76,06 61,61 46,49 32,17
Current Ratio
Likuiditas
Liquidity
Rasio Kredit terhadap Dana Pihak Ketiga
150,77 163,19 103,49 86,89 84,30
Loan to Deposit Ratio (LDR)
Rasio Dana Murah (CASA terhadap Dana
Pihak Ketiga)
10,48 7,90 12,68 19,76 19,11
Current and Savings Accounts (CASA on
Third Party Funds)
Rasio Liabilitas terhadap Ekuitas
85,19 72,49 256,75 645,29 743,05
Liabilities to Equity Ratio
Rasio Liabilitas terhadap Aset
46,00 42,03 71,97 86,58 88,14
Liabilities to Assets Ratio
Kepatuhan
Compliance
Persentase Pelanggaran BMPK
Percentage of LLL Violation
Pihak Terkait
0 - - - -
Related Parties
Pihak Tidak Terkait
0 - - - -
Unrelated Parties
Persentase Pelampauan BMPK
Percentage of LLL Exclusion
Pihak Terkait
0 - - - 0,31
Related Parties
Pihak Tidak Terkait
0 - - - 2,78
Unrelated Parties
Giro Wajib Minimum (GWM)
Statutory Reserve Requirement
GWM Utama Rupiah
9,12 7,85 3,55 3,57 6,06
GWM in Rupiah
GWM Valuta Asing
- - - - -
GWM in Foreign Currencies
Posisi Devisa Neto (PDN)
- - - - -
Net Open Position (PDN)
Laporan Tahunan & Laporan Keberlanjutan 2023
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 17
Rasio 83,35
79,53
NPL Neto 3,93
Kecukupan Modal NPL Neto
Capital Adequacy
(%)
Ratio (CAR)
48,82
(%)
1,75
19,61
16,20
0,29
0,05 0,01
2023 2022 2021 2020 2019 2023 2022 2021 2020 2019
BOPO 116,84 Rasio Liabilitas 88,14
BOPO terhadap Aset 86,58
Liabilities to
(%)
82,23 Assets Ratio
(%)
59,87 60,51
52,38
71,97
46,00 42,03
2023 2022 2021 2020 2019 2023 2022 2021 2020 2019
2023 Annual Report & Sustainability Report
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18 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Ikhtisar Saham
Stock Overview
Komposisi Pemegang Saham Shareholder’s Composition
Per 31 Desember 2023, jumlah saham PT Allo Bank Indonesia Tbk As of December 31, 2023, PT Allo Bank Indonesia Tbk had a total of
adalah sebanyak 21.730.256.442 lembar saham dengan kepemilikan 21,730,256,442 shares outstanding. Among these, PT Mega Corpora
sebanyak 13.228.508.531 lembar saham atau 60,88% dimiliki oleh held ownership of 13,228,508,531 shares, representing 60.88% of
PT Mega Corpora, 2.497.816.903 lembar saham atau setara 11,49% the total shares. PT Bukalapak.com Tbk held 2,497,816,903 shares,
dimiliki PT Bukalapak.com Tbk, 1.521.117.930 lembar saham atau equivalent to 11.49% ownership. Abadi Investment Pte. Ltd. owned
7,00% dimiliki oleh Abadi Investment Pte. Ltd., 1.303.815.836 lembar 1,521,117,930 shares, accounting for 7.00% ownership. PT Indolife
saham atau 6,00% dimiliki PT Indolife Investama Perkasa, dan Investama Perkasa held 1,303,815,836 shares, representing 6.00%
3.178.997.692 lembar saham atau 14,63% dimiliki oleh masyarakat ownership. The remaining 3,178,997,692 shares, constituting 14.63%
(kepemilikan di bawah 5%). ownership, were held by the public, with individual ownership
below 5%.
Kinerja saham Allo Bank dalam 2 (dua) tahun terakhir dapat dilihat The performance of Allo Bank shares in the last 2 (two) years is
sebagai berikut: as follows:
Kode Saham | Stock Code Bursa Perdagangan Saham | Stock Trading Exchange
BBHI
Bursa Efek Indonesia (BEI)
Indonesian Stock Exchange (BEI)
Harga Saham (Rp) Jumlah Saham Volume
Share Price (IDR) Beredar Transaksi
Kapitalisasi Pasar
(juta lembar) (Saham/ribu)
(Rp juta)
2023 Number Transaction
Market Capitalization
Tertinggi Terendah Penutupan of shares Volume
(IDR million)
Highest Lowest Closing outstanding (Shares/
(million shares) thousand)
Kuartal I
1.885 1.495 1.505 21.730 52.154 32.704.035.945.210
1st Quarter
Kuartal II
2.230 995 1.740 21.730 171.528 37.810.646.209.080
2nd Quarter
Kuartal III
1.960 1.500 1.520 21.730 133.477 33.029.989.791.840
3rd Quarter
Kuartal IV
1.680 1.160 1.290 21.730 158.852 28.032.030.810.180
4th Quarter
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 21
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 19
Harga Saham (Rp) Jumlah Saham Volume
Share Price (IDR) Beredar Transaksi Kapitalisasi Pasar
(juta lembar) (Saham/ribu) (Rp juta)
2022 Number Transaction Market Capitalization
Tertinggi Terendah Penutupan of shares Volume (IDR million)
Highest Lowest Closing outstanding (Shares/
(million shares) thousand)
Kuartal I
10.250 4.770 5.775 21.730 643.142 124.237.000
1st Quarter
Kuartal II
6.675 3.190 3.800 21.730 476.036 81.749.000
2nd Quarter
Kuartal III
4.020 2.110 2.110 21.730 148.505 45.392.000
3rd Quarter
Kuartal IV
2.610 1.455 1.765 21.730 274.255 37.970.000
4th Quarter
Volume Transaksi Volume Transaksi
Bulan Harga Penutupan Bulan Harga Penutupan
Transaction Transaction
Month Closing Price Month Closing Price
Volume Volume
Januari 2022 Januari 2023
5.600 405.698 1.775 15.147
January 2022 January 2023
Februari 2022 Februari 2023
5.450 121.657 1.600 20.188
February 2022 February 2023
Maret 2022 Maret 2023
5.775 115.787 1.505 16.819
March 2022 March 2023
April 2022 April 2023
6.500 157.378 1.280 10.054
April 2022 April 2023
Mei 2022 Mei 2023
4.400 164.739 1.020 16.082
May 2022 May 2023
Juni 2022 Juni 2023
3.800 153.919 1.740 145.392
June 2022 June 2023
Juli 2022 Juli 2023
3.530 31.746 1.810 68.490
July 2022 July 2023
Agustus 2022 Agustus 2023
3.360 52.679 1.630 40.521
August 2022 August 2023
September 2022 September 2023
2.110 64.080 1.520 24.466
September 2022 September 2023
Oktober 2022 Oktober 2023
2.300 137.726 1.195 18.393
October 2022 October 2023
November 2022 November 2023
2.060 102.038 1.445 88.702
November 2022 November 2023
Desember 2022 Desember 2023
1.765 34.491 1.290 51.757
December 2022 December 2023
2023 Annual Report & Sustainability Report
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20 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Pergerakan Harga Saham dan Volume Saham
Movement of Share Prices and Share Volume
450.000
400.000
350.000
300.000
250.000
200.000
150.000
100.000
50.000
0
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
’22 ’22 ’22 ’22 ’22 ’22 ’22 ’22 ’22 ’22 ’22 ’22 ’23 ’23 ’23 ’23 ’23 ’23 ’23 ’23 ’23 ’23 ’23 ’23
Harga Penutupan | Closing Price Volume | Transaction Volume
Informasi tentang Aksi Korporasi Information about Corporate Actions
Sepanjang tahun 2023, Bank tidak melakukan aksi korporasi yang Throughout 2023, the Bank did not undertake any corporate actions
menyebabkan terjadinya perubahan saham, seperti pemecahan that would result in changes to its shares, such as stock splits,
saham (stock split), penggabungan saham (reverse stock), saham reverse stocks, bonus shares, or alterations in the nominal value
bonus, serta perubahan nilai nominal saham. Dengan demikian, of shares. As a result, there is no relevant information available
tidak terdapat informasi terkait tanggal pelaksanaan aksi korporasi, regarding the implementation date of corporate actions, stock split
rasio pemecahan saham (stock split), penggabungan saham ratios, reverse stock, stock dividends, bonus shares, issuance of
(reverse stock), dividen saham, saham bonus, jumlah efek konversi convertible securities, changes in nominal share value, alteration
yang diterbitkan, perubahan nilai nominal saham, jumlah saham in outstanding shares before and after corporate action, issuance
beredar sebelum dan sesudah aksi korporasi, jumlah efek konversi of convertible securities, or share prices before and after such
yang dilaksanakan, dan harga saham sebelum dan sesudah aksi actions, to be included in this Annual Report.
korporasi, yang dapat disajikan dalam Laporan Tahunan ini.
Informasi Penghentian Sementara Perdagangan Information on Temporary Suspension of Stock
Saham (Suspension) dan/atau Sanksi Perdagangan Trading (Suspension) and/or Delisting
Saham (Delisting)
Hingga 31 Desember 2023, Allo Bank tidak pernah dikenakan As of December 31, 2023, Allo Bank did not experience a temporary
sanksi yang dapat berpengaruh terhadap aktivitas perdagangan suspension and/or delisting sanctions. Thus, there is no information
saham di Bursa Efek tempat Bank mencatatkan saham dan about it in this Annual Report.
memperdagangkan saham, baik penghentian sementara
perdagangan saham (suspension) dan/atau pembatalan pencatatan
saham (delisting). Dengan demikian, tidak terdapat informasi
terkait dampak dari penghentian sementara perdagangan saham
(suspension) dan/atau pembatalan pencatatan saham (delisting),
yang dapat disajikan dalam Laporan Tahunan ini.
Dividen Saham Stock Dividend
Di tahun 2023, Bank belum membagikan dividen untuk hasil usaha In 2023, the Bank has not distributed dividends for the 2022
tahun buku 2022 dan 2021 sesuai dengan hasil keputusan para and 2021 fiscal years in accordance with the resolutions of
pemegang saham. the shareholders.
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 23
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 21
Informasi tentang
Penerbitan Obligasi,
Sukuk atau Obligasi Konversi
Information on Issuance of Bonds,
Sukuk or Convertible Bonds
Sampai dengan 31 Desember 2023, Bank tidak memiliki As of December 31, 2023, the Bank did not have
obligasi, sukuk, dan/atau obligasi konversi. Dengan bonds, sukuk and/or convertible bonds. Thus, there
demikian, tidak terdapat informasi terkait obligasi, is no information related to outstanding bonds, sukuk
sukuk, atau obligasi yang masih beredar dalam Laporan or bonds in this Annual Report.
Tahunan ini.
Informasi Sumber
Pendanaan Lainnya
Information on Other Funding Sources
Hingga akhir tahun 2023, Bank tidak pernah As of the end of 2023, the Bank never issued
menerbitkan surat berharga sumber pendanaan lainnya. securities from other funding sources. Thus, there is
Dengan demikian, tidak terdapat informasi mengenai no information regarding other sources of funding in
sumber pendanaan lainnya yang dapat disajikan dalam this Annual Report.
Laporan Tahunan ini.
2023 Annual Report & Sustainability Report
Page 24
22 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Kilas Peristiwa
Event Highlights
8 8 Februari 2023 | February 8, 2023
Rapat Kerja 2023
Working Meeting 2023
Bank menggelar Rapat Kerja pada awal tahun untuk merumuskan
strategi dan rencana kerja serta meningkatkan koordinasi dan
komunikasi demi pencapaian tujuan bersama sepanjang tahun
2023. Rapat Kerja merupakan kegiatan tahunan yang senantiasa
digelar manajemen dalam rangka memperkuat eksistensi Bank
dalam industri perbankan nasional.
At the beginning of the year, the Bank held a Working Meeting
to formulate strategies and work plans as well as improving
coordination and communication to accomplish common goals
throughout 2023. The Working Meeting is an annual activity,
organized by management in order to strengthen the Bank’s
existence in the national banking industry.
10 10 Maret 2023 | March 10, 2023
Marketeers Youth Choice Awards 2023
Marketeers Youth Choice Awards 2023
Allo Bank mendapatkan penghargaan Gold Award of Brand Advocates Allo Bank
Digital Bank on Youth Choice Award 2023 oleh Marketeers, yang merupakan
program penghargaan bagi brand yang menjadi pilihan para Generasi Z.
Pada program ini terdapat 34 kategori produk terpilih berdasarkan preferensi
produk dan jasa Gen.
Allo Bank was honored with the Gold Award of Brand Advocates Allo Bank
Digital Bank on Youth Choice Award 2023 by Marketeers, which is an award
for brands preferred by Generation Z. This program includes 34 product
categories selected based on Gen Z’s preferences on its products and services.
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 25
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 23
19 19 Mei 2023 | May 19, 2023
Rapat Umum Pemegang Saham
Tahunan 2023
Annual General Meeting of Shareholders 2023
Allo Bank menyelenggarakan Rapat Umum Pemegang Saham
(RUPS) untuk Tahun Buku 2022 pada 19 Mei 2023 bertempat
di Auditorium Menara Bank Mega Lantai 3, dimana Pemegang
Saham Perseroan telah menyetujui 7 Mata Acara yang diajukan
dalam Rapat.
Allo Bank held a General Meeting of Shareholders (GMS) for the
2022 Financial Year on May 19, 2023 at the Bank Mega Tower
Auditorium, 3rd Floor, where the Company’s Shareholders approved
the 7 agenda items proposed at the Meeting.
20 20 Mei 2023 | May 20, 2023
Road to Allo Bank Festival 2023
Road to Allo Bank Festival 2023
Bank menggelar Road to Allo Bank Festival 2023 pada 20 Mei
2023 di Trans Studio Cibubur, setahun setelah Grand Launching
Bank pada Allo Bank Festival pada 20 Mei 2022.
Nasabah dapat menikmati segala aktivitas menarik seperti konser
musik dan art installation. Acara ini turut dimeriahkan dengan
penampilan dari musisi lokal dan internasional seperti Super Junior-
K.R.Y. (sub-unit Super Junior), Raisa, JKT 48, GAC, Ayu Ting Ting,
dan Cakra Khan. Acara ini juga menjadi momen pengumuman
BAEKHYUN of EXO sebagai Brand Ambassador Allo Bank 2023.
On May 20, 2023, the Bank hosted the Road to Allo Bank Festival
2023 at Trans Studio Cibubur, marking a year since the Bank’s
Grand Launching at the Allo Bank Festival on May 20, 2022.
Customers can enjoy all interesting activities such as music concerts
and art installations. The event featured performances by both local
and international musicians, such as Super Junior-K.R.Y. (a Super
Junior sub-unit), Raisa, JKT 48, GAC, Ayu Ting Ting, and Cakra
Khan. Additionally, the festival served as the platform for announcing
BAEKHYUN of EXO as the Brand Ambassador for Allo Bank 2023.
2023 Annual Report & Sustainability Report
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24 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
22 22 Mei 2023 | May 22, 2023
Allo Bank First Anniversary 2023
Allo Bank First Anniversary 2023
Allo Bank mengadakan acara syukuran dalam rangka perayaan
ulang tahun Bank yang pertama di Kantor Pusat, dimana moment
tersebut lengkap dihadiri oleh seluruh anggota Direksi dan Dewan
Komisaris Bank, beserta perwakilan Group CT Corpora lainnya.
Allo Bank held a thanksgiving event to celebrate the Bank’s
first anniversary at the Head Office, where the event was fully
attended by all members of the Bank’s Board of Directors and
Board of Commissioners, along with other representatives of the
CT Corpora Group.
26 26 Mei 2023 | May 26, 2023
Allo Lead Batch 1 Graduation Ceremony 2023
Allo Lead Batch 1 Graduation Ceremony 2023
Allo Lead Graduation Ceremony merupakan kegiatan yang
diselenggarakan untuk memaknai akhir dari program pelatihan para
peserta Allo Lead, termasuk sharing session mengenai pengalaman
selama 3 bulan periode training dengan para mentor dan berbagai
proyek pembelajaran yang diberikan, serta ditutup dengan pidato
Direksi kepada peserta Allo Lead dan pemberian penghargaan
kepada Top 3 peserta Allo Lead.
The Allo Lead Graduation Ceremony is an activity held to mark the
end of the training program for Allo Lead participants, including a
sharing session regarding experiences during the 3-month training
period with mentors and engaged in various learning projects, and
closed with a speech from the Directors addressed to Allo Lead
participants and giving awards to the Top 3 Allo Lead participants.
27 27 Juni 2023 | June 27, 2023
Indonesia Top Bank Awards 2023
by The Iconomics
Indonesia Top Bank Awards 2023 by The Iconomics
Allo Bank mendapat dua penghargaan sekaligus dalam Indonesia
Top Bank Awards 2023 yang diselenggarakan oleh The Iconomics
sebagai Top Winner in KBMI 2 Category dan Bapak Indra Utoyo
selaku Direktur Utama Allo Bank mendapat pengakuan atas Top
10 Banking CEO.
Allo Bank was honored with two awards at the 2023 Indonesia
Top Bank Awards organized by The Iconomics. The Bank was
recognized as the Top Winner in the KBMI 2 Category, and Mr.
Indra Utoyo, President Director of Allo Bank, was acknowledged
as one of the Top 10 Banking CEOs.
Laporan Tahunan & Laporan Keberlanjutan 2023
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 25
27 27 Juli 2023 | July 27, 2023
Apresiasi atas Kolaborasi dari Rintis 2023
5 Years Customer Loyalty Appreciation -
Allo Bank X Jaringan Prima 2023
Appreciation for Collaboration from Rintis 2023
5 Years Customer Loyalty Appreciation - Allo Bank X
Jaringan Prima 2023
Allo Bank menerima penghargaan 5 Years Customer Loyalty
Appreciation atas kerjasama yang terjalin dengan baik dengan
PT Rintis Sejahtera. Penghargaan diberikan oleh Bapak Suryono
Hidayat selaku Wakil Direktur Utama PT Rintis Sejahtera kepada
Bapak Indra Utoyo selaku Direktur Utama PT Allo Bank Indonesia
Tbk di Kantor Pusat Allo Bank.
Allo Bank was honored to receive the 5 Years Customer Loyalty
Appreciation award for its good collaboration with PT Rintis
Sejahtera. Mr. Suryono Hidayat, Deputy President Director of PT
Rintis Sejahtera, presented the award to Mr. Indra Utoyo, President
Director of PT Allo Bank Indonesia Tbk, at the Allo Bank Head Office.
17 17 Agustus 2023 | August 17, 2023
Peluncuran Allo Grow 2023
Allo Grow Launch 2023
Bertepatan dengan peringatan hari kemerdekaan Indonesia, Allo
Bank meluncurkan produk pendanaan baru Allo Grow pada 17
Agustus 2023. Allo Grow adalah produk tabungan revolusioner
dengan suku bunga berjenjang yang memberikan pengalaman
fleksibilitas finansial bagi generasi muda dalam mengatur dan
mengelola tabungan.
In conjunction with Indonesia’s Independence Day celebration, Allo
Bank introduced a new funding product, Allo Grow, on August 17,
2023. Allo Grow is an innovative savings product featuring tiered
interest rates rates that provides financial flexibility for the younger
generation in managing their savings.
2023 Annual Report & Sustainability Report
Page 28
26 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
The Best Financial Performance KBMI 2
25 25 Agustus 2023 | August 25, 2023
Bank in 2023 (Asset IDR <50tn) on InfoBank
Award 2023
The Best Financial Performance KBMI 2 Bank in 2023
(Asset IDR <50tn) on InfoBank Award 2023
InfoBank memberikan pengakuan kepada Bank sebagai salah
satu penerima dalam acara 28th Infobank Banking Appreciation
2023 atas prestasi kinerja yang “Sangat Baik sekaligus berhasil
mendapatkan pengakuan pada The Best Performance Bank in
KBMI 2 with asset under RP50 Trillion.
InfoBank recognized the Bank as one of the recipients at the 28th
Infobank Banking Appreciation 2023 event for its “Very Good”
performance and succeeded in getting recognition for The Best
Performance Bank in KBMI 2 with assets under IDR 50 Trillion.
5 5 September 2023 | September 5, 2023
ISO/IEC 27001:2022 CEREMONY
ISO/IEC 27001:2022 CEREMONY
Allo Bank mendapatkan Sertifikasi ISO/IEC 27001:2022 mengenai
Sistem Manajemen Keamanan Informasi yang mencerminkan
komitmen Bank untuk menjaga keamanan dan perlindungan
aset informasi sesuai dengan prinsip kerahasiaan, integritas,
dan availability.
Allo Bank was awarded the ISO/IEC 27001:2022 Certification for
its Information Security Management System which reflects the
Bank’s commitment to maintaining the security and protection
of information assets in accordance with the principles of
confidentiality, integrity and availability.
14 14 September 2023 | September 14, 2023
The Asian Banker Awards 2023
The Asian Banker Awards 2023
Allo Bank mendapat pengakuan internasional sebagai “The Best
Digital Only Bank in Indonesia” dalam The Asian Banker Excellence
in Retail Financial Services and Technology Innovation Indonesia
Awards 2023.
Pengakuan ini merupakan program penghargaan yang paling ketat,
bergengsi, dan transparan untuk layanan keuangan konsumen dan
teknologi di Indonesia.
Allo Bank received international recognition as “The Best Digital Only
Bank in Indonesia” at The Asian Banker Excellence in Retail Financial
Services and Technology Innovation Indonesia Awards 2023.
This recognition is esteemed as the most rigorous, prestigious, and
transparent awards program for consumer financial services and
technology in Indonesia.
Laporan Tahunan & Laporan Keberlanjutan 2023
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Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 27
18 18 Agustus 2023 | August 18, 2023
The 14th IICD Corporate Governance
Conference and Award 2023
The 14th IICD Corporate Governance Conference and
Award 2023
Allo Bank mendapatkan penghargaan sebagai “TOP 50 Largest
Capitalization Public Listed Company” oleh Indonesian Institute for
Corporate Directorship (IICD). Penghargaan tersebut merupakan
salah satu bentuk dorongan agar perusahaan dapat menjunjung
tinggi praktik tata kelola perusahaan yang baik. IICD melakukan
penilaian terhadap 200 emiten dengan kapitalisasi pasar terbesar
yang terdaftar di Bursa Efek Indonesia (BEI) dengan metode Asean
Corporate Governance Scorecard, yang dibagi menjadi 100 emiten
Big Cap dan 100 emiten Mid Cap.
Allo Bank was honored with the “TOP 50 Largest Capitalization
Public Listed Company” award by the Indonesian Institute for
Corporate Directorship (IICD). This recognition serves as an
encouragement for companies to uphold good corporate
governance practices. IICD assessed 200 issuers with the largest
market capitalization listed on the Indonesia Stock Exchange (BEI)
using the Asean Corporate Governance Scorecard method, which
was divided into 100 Big Cap issuers and 100 Mid Cap issuers.
17 17 Oktober 2023 | October 17, 2023
PEFINDO Rating 2023
PEFINDO Rating 2023
Allo Bank mendapatkan peringkat “idA” dengan prospek stabil dari
PT Pemeringkat Efek Indonesia (PEFINDO). Peringkat korporasi
tersebut mencerminkan tingkat dukungan yang kuat dari Group
CT Corpora, sinergi bisnis yang kuat dengan ekosistem Group dan
profil permodalan yang sangat kuat untuk memenuhi kewajiban
dan menunjang aspirasi pertumbuhan Bank di masa depan.
Allo Bank received an "idA" rating with a stable outlook from PT
Pemeringkat Efek Indonesia (PEFINDO). This corporate rating
reflects the strong level of support from CT Corpora Group, robust
business synergy within the Group's ecosystem, and a very strong
capital profile to meet obligations and support the Bank's future
growth aspirations.
2023 Annual Report & Sustainability Report
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28 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
4 4 November 2023 | November 4, 2023
Allo Bank Hangout: Untung Sebagai Brand Ambassador Allo Bank, BAEKHYUN datang ke Indonesia untuk menggelar
Meet & Greet bersama Nasabah setianya melalui acara Allo Bank Hangout: Untung Bareng
Bareng BAEKHYUN 2023 BAEKHYUN. Acara ini dengan sukses diadakan di Jakarta International Velodrome pada
Allo Bank Hangout: Untung 4 November 2023.
Bareng BAEKHYUN 2023
As the Brand Ambassador for Allo Bank, BAEKHYUN visited Indonesia to host a Meet
& Greet event with his loyal customers through the Allo Bank Hangout: Untung Bareng
BAEKHYUN event. This successful event took place at the Jakarta International Velodrome
on November 4, 2023.
14 14 November 2023 | November 14, 2023
The Finance Executive Forum Award
The Finance Executive Forum Award
Allo Bank mendapatkan penghargaan sebagai The Best Performing
Bank 2023 with Assets Rp10 - 25tn. Penghargaan ini diberikan
oleh The Finance, bagian dari Infobank Media Group, yang setiap
tahun melakukan penilaian terhadap perusahaan dan para pelaku
di industri keuangan. Penilaian kinerja dilakukan kepada lembaga
perbankan bank, asuransi jiwa, asuransi umum dan multifinance
yang berhasil menjaga kinerja keuangan dan tumbuh positif di
tengah kondisi perekonomian yang menantang.
Allo Bank was honored with The Best Performing Bank 2023 award
in the Assets IDR 10 - 25tn category. This recognition is bestowed
by The Finance, a part of the Infobank Media Group, which annually
assesses companies and players within the financial industry. The
assessments focus on banking institutions, life insurance, general
insurance, and multi-finance institutions that have succeeded in
maintaining financial performance and achieve positive growth
amidst challenging economic conditions.
Laporan Tahunan & Laporan Keberlanjutan 2023
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 29
23 & 30 23 & 30 November 2023 | November 23 & 30, 2023
Allo Bank Pelita 2023
Allo Bank Pelita 2023
Allo Bank Pelita merupakan bentuk kegiatan tanggung jawab sosial korporat Allo Bank
(Corporate Social Responsibility), yang baru saja diresmikan sejak bulan November 2023.
Allo Bank meluncurkan program tanggung jawab sosial yang baru dengan branding Allo
Bank Pelita pada bulan November 2023. Sebagai bentuk inisiatif terkait tanggung jawab
lingkungan hidup, Bank mengadakan kolaborasi dan memberikan fasilitas mesin pencacah
sampah plastik kepada Yayasan & Sekolah Fajar Hidayah dan Politeknik Industri ATMI
Cikarang sebagai beneficiaries. Program ini bertujuan untuk membantu menangani dan
mengelola sampah plastik yang sudah tidak terpakai agar dapat diolah kembali menjadi
hasil yang memiliki nilai dan bermanfaat secara ekonomis.
Allo Bank Pelita is a form of Allo Bank’s commitment to Corporate Social Responsibility
(CSR), which was inaugurated in November 2023.
In November 2023, Allo Bank launched a new CSR program under the Allo Bank Pelita
branding. As a form of its environmental responsibility initiative, the bank collaborated
with the Fajar Hidayah Foundation & School and ATMI Cikarang Industrial Polytechnic
to provide plastic waste shredding machine facilities. This program aims to assist in the
management of unused plastic waste, transforming it into valuable and economically
beneficial products through reprocessing.
2023 Annual Report & Sustainability Report
Page 32
30 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
15 15 Desember 2023 | December 15, 2023
Public Expose 2023
Public Expose 2023
Allo Bank mengadakan Public Expose tahunan secara online
dimana Manajemen menyampaikan aktivitas, pencapaian dan
kinerja keuangan Bank pada tahun 2023 serta visi, misi dan rencana
Bank di masa depan kepada publik sebagai bagian dari komitmen
Bank terhadap keterbukaan informasi.
Allo Bank holds an annual online Public Expose where Management
conveys the Bank’s activities, achievements and financial
performance in 2023 as well as the Bank’s vision, mission and
plans for the future to the public as part of the Bank’s commitment
to information disclosure.
16 16 Desember 2023 | December 16, 2023
Allo Bank Temu 2023
Allo Bank Temu 2023
Allo Bank mengadakan Allo Temu 2023, sebagai acara employee
outing tahunan kedua sekaligus meluncurkan framework Allo
Bank 2.0, mendorong keterlibatan dan partisipasi karyawan dan
juga meningkatkan lingkungan kerja yang lebih baik dan team
engagement agar semakin terjalin erat.
Allo Bank held Allo Temu 2023, as its second annual employee
outing event and at the same time launching the Allo Bank 2.0
framework, aimed at fostering greater employee involvement,
participation, and team engagement to enhance the work
environment and promote closer teamwork.
Laporan Tahunan & Laporan Keberlanjutan 2023
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Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 31
2023 Annual Report & Sustainability Report
Page 34
32 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 35
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 33
02
Laporan
Manajemen
Management
Report
2023 Annual Report & Sustainability Report
Page 36
34 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Laporan Dewan Komisaris menilai bahwa Direksi telah
Dewan Komisaris berupaya optimal untuk menjaga stabilitas
Board of Perseroan serta menjaga kepercayaan para
Commissioners Report pemangku kepentingan di tengah kondisi
yang penuh tantangan di tahun 2023.
The Board of Commissioners assesses that the Board
of Directors has made optimal efforts to maintain the
stability of the Company and maintain the trust of
stakeholders amidst challenging conditions in 2023.
Para Pemegang Saham dan Pemangku Kepentingan Dear Esteemed Shareholders and Stakeholders,
yang Terhormat,
Tahun 2023 masih diliputi dengan baik, bahkan In 2023, Allo Bank received positive recognition from
Lembaga pemeringkat PEFINDO juga memberikan various institutions, including a favorable rating of idA
penilaian idA dengan stable outlook dan beberapa with a stable outlook from PEFINDO rating agency and
Lembaga lain memberikan penghargaan untuk awards from several other organizations. Sound Level
Allobank. Tingkat Kesehatan menjadi pilar utama bank is the bank’s main pillar in maintaining trust and quality
dalam menjaga kepercayaan dan layanan berkualitas service for customers and the public.
para nasabah dan masyarakat.
Pada Tahun 2023, Dewan komisaris telah menjalankan Throughout 2023, the Board of Commissioners
fungsi pengawasan kepada direksi antara lain mencakup conducted its supervisory role over the Board of
pencapaian realisasi Rencana Bisnis Bank (RBB), dan Directors, overseeing the realization of the Bank’s
Rencana Aksi Keuangan Berkelanjutan (RAKB). Selain Business Plan (RBB) and the Sustainable Financial
itu juga melakukan pengawasan atas pelaksanaan Action Plan (RAKB). Additionally, they supervised
strategi bank, terutama pada aspek Manajemen Risiko, the bank’s strategic implementation, focusing on key
Efektifitas sistem pengendalian internal, Penyaluran areas such as risk management, internal control system
dan kualitas kredit, Penerapan Teknologi Informasi, effectiveness, loan distribution and quality, information
Pengembangan Sumber daya manusia dan penerapan technology utilization, human resources development,
budaya perusahaan, dan Pencapaian laba bank sesuai corporate culture, and profit attainment in accordance
dengan prinsip akuntabilitas, profesionalisme, serta with principles of accountability, professionalism, as well
kepatuhan terhadap peraturan perundang-undangan as compliance with applicable laws and regulations.
yang berlaku.
Fungsi Pengawasan dan Hubungan Kerja Supervisory Function and Work Relations with
dengan Direksi Board of Directors.
Menghadapi situasi Makro ekonomi yang penuh Facing a macroeconomic situation full of uncertainty
ketidakpastian dibutuhkan strategi, kebijakan, inisiatif requires strategies, policies, initiatives and programs
dan program yang sesuai dan mampu dilaksanakan that are appropriate and capable of being implemented
dengan tepat. Direksi telah merespon tantangan dengan appropriately. In response to these challenges, the
baik dengan terus mencermati perkembangan makro, Board of Directors has demonstrated adeptness in
mikro dan industri perbankan sehingga pencapaian monitoring macroeconomic, microeconomic, and
target Bank yang tercantum dalam RBB sebagian besar banking industry developments. As a result, the Bank
tercapai, bahkan beberapa indikator melampaui target. has largely achieved its targets outlined in the RBB,
with several indicators even surpassing initial target.
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 37
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 35
Aviliani
Komisaris Utama Independen
Independent President Commissioner
Sesuai dengan peraturan dan perundang-undangan In accordance with applicable laws and regulations,
yang berlaku, keberadaan Dewan Komisaris the existence of the Board of Commissioners is aimed
bertujuan untuk memperkuat fungsi pengawasan at strengthening the supervisory function over Bank
bagi pengelolaan Bank yang dilakukan oleh Direksi. management conducted by the Board of Directors. The
Dewan Komisaris senantiasa melaksanakan tugas dan Board of Commissioners always conducted its duties
tanggung jawabnya secara profesional dan independen and responsibilities professionally and independently
dengan berlandaskan pada Tata Kelola Perusahaan based on the principles of Good Corporate Governance.
yang Baik. Untuk itu, hubungan kerja antara Dewan Consequently, the working relationship between the
Komisaris dan Direksi dibangun melalui kesamaan Board of Commissioners and the Board of Directors is
pandangan untuk mencapai visi Bank. built through shared views to achieve the Bank’s vision.
Dalam menjalankan fungsi pengawasan, Dewan In conducting its supervisory function, the Board of
Komisaris menggunakan beberapa parameter dalam Commissioners uses several parameters to evaluate the
upaya menilai kinerja Direksi, yaitu: performance of the Board of Directors, which include:
A. Kinerja Keuangan: Memantau kinerja keuangan A. Financial Performance: Monitoring the Bank’s
Bank, termasuk profitabilitas, likuiditas, dan financial performance, including profitability,
perbandingan dengan target yang telah ditetapkan. liquidity, and comparison with predetermined targets.
B. Kepatuhan Regulasi: Memastikan bahwa Bank B. Regulatory Compliance: Ensuring the Bank’s
mematuhi semua regulasi yang berlaku dan adherence to all applicable regulations and meets
memenuhi persyaratan peraturan perbankan. banking regulatory requirements.
C. Manajemen Risiko: Memahami dan mengelola C. Risk Management: Understanding and managing
berbagai jenis risiko yang dihadapi oleh Bank, various types of risks encountered by the Bank,
khususnya berbagai aspek terkait risiko kredit, risiko particularly concerning credit risk, operational risk,
operasional dan risiko reputasi. and reputation risk.
2023 Annual Report & Sustainability Report
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36 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
D. Kebijakan dan Strategi: Meninjau dan menyetujui kebijakan dan D. Policies and Strategies: Reviewing and approving bank policies
strategi bank, serta memastikan bahwa proses yang dilakukan and strategies, and ensuring that all processes are in line with
sejalan dengan tujuan jangka panjang Bank. the Bank’s long-term objectives.
E. Kinerja Manajemen: Menilai kinerja manajemen dalam upaya E. Management Performance: Assessing management
mencapai target dan mengelola Bank secara efisien dan efektif. performance in efforts to achieve targets and manage the
Bank efficiently and effectively.
Pandangan Dewan Komisaris atas Kinerja Direksi Views of the Board of Commissioners on the
Performance of the Board of Directors.
Iklim usaha yang begitu dinamis di sepanjang tahun 2023 The dynamic business climate throughout 2023 presented some
merupakan tantangan tersendiri bagi Allo Bank, namun Dewan challenges for Allo Bank; nonetheless, the Board of Commissioners
Komisaris memberikan apresiasi terhadap berbagai inisiatif acknowledges the various strategic initiatives undertaken by the
strategis yang diambil oleh Direksi, dimana hasilnya tercermin Board of Directors, the result of which have yielded tangible
pada pencapaian kinerja yang dibukukan oleh Bank sepanjang results, as evidenced by the Bank’s performance accomplishments
tahun 2023. Dewan Komisaris menilai bahwa Direksi mampu throughout the year. The Board of Commissioners evaluates that the
menghadirkan kinerja yang baik sesuai dengan rencana bisnis Bank Board of Directors has demonstrated commendable performance
dan berusaha semaksimal mungkin melakukan upaya-upaya dalam aligned with the Bank’s business plan and made every effort to
rangka mencapai target yang telah ditetapkan. Parameter penilaian achieve the predetermined targets. The assessment of the Board
kinerja Direksi dilakukan dengan meninjau dan mempertimbangkan of Directors’ performance entails reviewing and deliberating on the
pencapaian yang telah diraih pada akhir tahun, termasuk efisiensi year-end achievements, including the successful optimization of
dan optimalisasi anggaran yang kami nilai telah berjalan dengan efficiency and budget utilization and we deem these endeavors to
baik. Penilaian atas kinerja Direksi yang dilakukan Dewan Komisaris have been executed effectively. Additionally, the evaluation of the
juga didasarkan pada arahan pemegang saham. Board of Directors’ performance by the Board of Commissioners
is guided by shareholder directives.
Dewan Komisaris juga menilai bahwa Direksi telah berupaya The Board of Commissioners further evaluates that the Board of
optimal untuk menjaga stabilitas Perseroan serta menjaga Directors has made optimal efforts to maintain the Company’s
kepercayaan para pemangku kepentingan di tengah kondisi yang stability and sustain stakeholders’ trust amid the challenging
penuh tantangan di tahun 2023. Dewan Komisaris senantiasa conditions of 2023. The Board of Commissioners always evaluates
mengevaluasi apakah kebijakan strategis yang diambil oleh Direksi whether the strategic policies implemented by the Board of Directors
dapat mendukung pencapaian kinerja keuangan Bank secara can bolster the Bank’s financial performance sustainably, navigating
sustainable dalam menghadapi iklim usaha yang kompleks dan through a complex business climate and the hurdles posed by
tantangan kondisi geopolitik yang ada, termasuk fluktuasi harga prevailing geopolitical conditions, including fluctuations in global oil
minyak dunia dan konflik di Jalur Gaza, serta potensi dampaknya prices and the conflict in the Gaza Strip, along with their potential
terhadap perekonomian Indonesia dan kinerja Bank. Sementara impacts on the Indonesian economy and the Bank’s performance.
itu, diperlukan juga peninjauan kebijakan strategis dengan Concurrently, it is imperative to reassess strategic policies in light of
mempertimbangkan kondisi politik dalam negeri sebelum dan domestic political conditions before and after the General Election
setelah Pemilihan Umum pada awal tahun 2024, serta bagaimana in early 2024, considering their potential implications on the market
hal itu dapat mempengaruhi pasar dan industri perbankan. and banking industry.
Pada berbagai kesempatan, Dewan Komisaris senantiasa mengajak On numerous occasions, the Board of Commissioners consistently
Direksi untuk terus berinovasi dan bangkit menghadapi tantangan, encourages the Board of Directors to foster innovation and confront
namun dengan senantiasa memastikan bahwa semua inisiatif yang challenges, while ensuring that all initiatives adhere to pertinent
diambil oleh Direksi tetap mematuhi regulasi dan persyaratan regulations and legal requirements. Equally significant, the Board
hukum yang berlaku. Tak kalah pentingnya, Dewan Komisaris of Commissioners also encourages the Bank’s commitment to
juga mendorong komitmen Bank terhadap tanggung jawab sosial corporate social responsibility, including its response to issues of
perusahaan, termasuk bagaimana bank merespons isu-isu konflik conflict and humanitarian crises.
dan krisis kemanusiaan.
Dengan mempertimbangkan semua hal di atas, secara umum By considering the aforementioned considerations, the Board of
Dewan Komisaris berpendapat bahwa pada tahun 2023 Direksi Commissioners generally opines that in 2023, the Board of Directors
telah melaksanakan tugas kepengurusan Perseroan dengan executed their managerial responsibilities for the Company very well.
sangat baik.
Laporan Tahunan & Laporan Keberlanjutan 2023
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 37
Mekanisme dan Frekuensi Pemberian Nasihat kepada Mechanism and Frequency of Providing Advice to
Direksi Board of Directors
Dewan Komisaris senantiasa memberikan perhatian penting pada The Board of Commissioners consistently prioritizes monitoring
pengawasan pelaksanaan strategi yang disusun oleh Direksi. Hal ini the execution of strategies prepared by the Board of Directors.
sejalan dengan peran Dewan Komisaris untuk memastikan bahwa This aligns with the Board of Commissioners’ role in guaranteeing
pelaksanaan strategi Perseroan berada di jalur yang tepat tanpa that the Company’s strategic implementation is on the right track
mengesampingkan kepatuhan terhadap peraturan dan perundang- while maintaining compliance with applicable laws and regulations.
undangan yang berlaku. Kewenangan Dewan Komisaris dalam The authority vested in the Board of Commissioners to supervise
melakukan pengawasan atas aktivitas operasional Perseroan the Company’s operational activities is based on the Law, Articles
didasarkan pada Undang-Undang, Anggaran Dasar, Board Charter, of Association, Board Charter, GCG Code of Conduct, and the
Code of Conduct GCG serta pedoman kerja yang dimiliki Perseroan. Company’s work guidelines.
Pencapaian kinerja Perseroan tahun 2023 juga mencerminkan The Company’s performance achievements in 2023 also reflect
kontribusi pengawasan Dewan Komisaris dan keputusan-keputusan the contribution of supervision by the Board of Commissioners
strategis yang diambil oleh Dewan Komisaris. Fungsi pengawasan and strategic decisions taken by the Board of Commissioners. The
yang dilakukan Dewan Komisaris antara lain sebagai berikut: supervisory functions conducted by the Board of Commissioners
include the following:
A. Dewan Komisaris mengawasi kinerja manajemen Bank, termasuk A. The Board of Commissioners supervises the performance of
memastikan bahwa Direksi menjalankan tugasnya dengan efektif the Bank’s management, ensuring that the Board of Directors
dan memenuhi target yang telah ditetapkan. fulfil their duties effectively and meets the set targets.
B. Dewan Komisaris memberikan nasehat dan arahan kepada B. The Board of Commissioners provides advice and direction to
Direksi bank berdasarkan pengamatannya terhadap kinerja the bank’s Directors based on its observations of the Bank’s
Bank, tren industri, dan faktor eksternal lainnya. Upaya ini performance, industry trends and other external factors. This
dilakukan melalui rapat rutin dan komunikasi yang berkelanjutan effort is carried out through regular meetings and continuous
antara Dewan Komisaris dan Direksi. communication between the Board of Commissioners and the
Board of Directors.
C. Dewan Komisaris berpartisipasi dalam penetapan kebijakan dan C. The Board of Commissioners participates in determining the
strategi Bank, serta memastikan bahwa kebijakan dan strategi Bank’s policies and strategies, and ensures that these policies
tersebut telah sejalan dengan tujuan jangka panjang Perseroan. and strategies are in line with the Company’s long-term goals.
D. Dewan Komisaris mengevaluasi risiko-risiko yang dihadapi D. The Board of Commissioners evaluates the risks encountered
oleh Bank dan memberikan panduan kepada Direksi dalam by the Bank and provides guidance to the Board of Directors
mengelola risiko tersebut dengan tepat. in managing these risks appropriately.
E. Dewan Komisaris mengingatkan Direksi agar senantiasa E. The Board of Commissioners reminds the Board of Directors to
berpedoman pada semua regulasi dan standar yang berlaku, always be guided by all applicable regulations and standards,
serta memberikan arahan kepada Direksi dalam hal-hal yang as well as providing direction to the Board of Directors on
berkaitan dengan kepatuhan. compliance matters.
F. Dewan Komisaris juga senantiasa mengingatkan F. The Board of Commissioners also continually reminds us of
pentingnya mengelola hubungan secara proaktif dengan the importance of proactively managing relationships with
regulator dan meningkatkan transparansi dengan semua regulators and increasing transparency with all stakeholders.
pemangku kepentingan.
Frekuensi pemberian input kepada Direksi Bank dilakukan melalui The frequency of providing input to the Bank’s Board of Directors
rapat gabungan rutin antara Dewan Komisaris dan Direksi yang is maintained through regular joint meetings between the Board
sudah dijadwalkan waktunya. Selain itu, Dewan Komisaris juga of Commissioners and the Board of Directors at predetermined
dapat berkomunikasi dengan Direksi melalui pertemuan khusus, schedule. Additionally, the Board of Commissioners can also
komunikasi tertulis, atau sesi konsultasi individual. Cara pemberian communicate with the Board of Directors through special meetings,
nasehat tergantung pada situasi spesifik dan preferensi Dewan written communications, or individual consultation sessions. The
Komisaris serta praktik terbaik dalam industri perbankan. manner in which advice is provided depends on the specific
situation and preferences of the Board of Commissioners as well
as best practices in the banking industry.
Sepanjang tahun 2023, Dewan Komisaris telah melaksanakan rapat Throughout 2023, the Board of Commissioners conducted
gabungan dengan mengundang Direksi sebanyak 12 (dua belas) 12 (twelve) joint meetings with the Board of Directors, with full
kali, dengan tingkat kehadiran Dewan Komisaris dalam rapat secara attendance by the Board of Commissioners at each meeting.
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keseluruhan adalah 100 persen. Selain forum rapat gabungan, Apart from the joint meeting forum, the organs of the Board of
organ Dewan Komisaris, yaitu Komite Audit, Komite Pemantau Commissioners, namely the Audit Committee, Risk Monitoring
Risiko, serta Komite Nominasi dan Remunerasi juga melakukan Committee, and Nomination and Remuneration Committee also
rapat dengan mengundang Divisi terkait untuk membahas bidang- held meetings by inviting the relevant Divisions to discuss areas
bidang yang menjadi tanggung jawab masing-masing Komite. that are the responsibility of each Committee.
Pandangan atas Prospek Usaha yang Disusun oleh Views on Business Prospects Prepared by Board of
Direksi Directors
Seperti dikutip dari laporan yang dirilis Bank Indonesia, inflasi As quoted from a report released by Bank Indonesia, inflation in
tahun 2024 diperkirakan berada dalam rentang sasaran 2,5+1%. 2024 is estimated to be within the target range of 2.5+1%. This
Prakiraan ini utamanya didorong oleh permintaan domestik yang forecast is mainly driven by domestic demand which is expected
diperkirakan masih akan membaik secara gradual, dampak harga to continue to improve gradually, minimal impact of global prices
global ke domestik yang terbatas, serta ekspektasi inflasi dan nilai fluctuations on domestic prices, as well as inflation expectations
tukar yang terjaga. Kebijakan moneter Bank Indonesia akan tetap and stable exchange rates. Bank Indonesia’s monetary policies
konsisten dalam mengelola ekspektasi inflasi sesuai sasaran. Selain will maintain consistency in managing inflation expectations in
itu, Bank Indonesia akan terus memperkuat koordinasi dan sinergi alignment with the set targets. In addition, Bank Indonesia will
dalam pengendalian inflasi antara Bank Indonesia dan Pemerintah continue to strengthen coordination and synergy in controlling
(Pusat dan Daerah) dalam Tim Pengendalian Inflasi Pusat dan inflation between Bank Indonesia and the Government (Central
Daerah (TPIP dan TPID) melalui penguatan Gerakan Nasional and Regional) in the Central and Regional Inflation Control Teams
Pengendalian Inflasi Pangan (GNPIP) di berbagai daerah. (TPIP and TPID) through strengthening the National Food Inflation
Control Movement (GNPIP) across various regions.
Beberapa aspek yang disampaikan Dewan Komisaris kepada Direksi Several aspects conveyed by the Board of Commissioners to the
sebagai bahan masukan dalam penyusunan rencana kerja tahun Board of Directors as input in preparing the 2024 work plan include:
2024 antara lain, yaitu: A. Appropriate Business Strategy: the business strategy proposed
A. Ketepatan Strategi Bisnis: strategi bisnis yang diusulkan oleh by the Board of Directors is in accordance with market
Direksi sesuai dengan kondisi pasar dan kebutuhan perusahaan, conditions and company needs, including an assessment of
termasuk penilaian terhadap keberlanjutan model bisnis, the sustainability of the business model, revenue diversification,
diversifikasi pendapatan, dan inisiatif untuk pertumbuhan and initiatives for sustainable growth.
yang berkelanjutan.
B. Analisis Risiko dan Pengelolaan Risiko: rencana kerja yang B. Risk Analysis and Risk Management: the proposed work plan
diusulkan Direksi mampu mengidentifikasi, menilai, dan by the Board of Directors is able to identify, assess and manage
mengelola risiko-risiko yang dihadapi oleh bank. Hal ini the risks faced by the bank. This includes evaluating the bank’s
mencakup evaluasi terhadap ketahanan bank terhadap fluktuasi resilience to economic fluctuations, regulatory changes, as well
ekonomi, perubahan regulasi, serta risiko-risiko operasional as operational and compliance risks.
dan kepatuhan.
C. Kinerja Keuangan dan Proyeksi: Dewan Komisaris meninjau C. Financial Performance and Projections: The Board of
proyeksi keuangan yang disusun oleh Direksi, termasuk Commissioners reviews the financial projections prepared
perkiraan pendapatan, margin keuntungan, biaya operasional, by the Board of Directors, including estimates of revenue,
dan proyeksi kinerja keuangan jangka panjang. profit margins, operational costs and long-term financial
performance projections.
D. Kepatuhan dan Tata Kelola Perusahaan: Dewan Komisaris D. Compliance and Corporate Governance: The Board of
memastikan bahwa prospek yang disusun oleh Direksi Commissioners ensures that the prospects prepared by the
memperhatikan prinsip-prinsip Tata Kelola Perusahaan yang Board of Directors adhere to the principles of Good Corporate
Baik dan memenuhi standar kepatuhan yang diperlukan Governance and meet the compliance standards required
oleh regulator. by regulators.
E. Peluang dan Tantangan Eksternal: Dewan Komisaris E. External Opportunities and Challenges: The Board of
mempertimbangkan peluang dan tantangan eksternal yang Commissioners considers external opportunities and challenges
mungkin mempengaruhi prospek kelangsungan usaha Bank, that may affect the Bank’s business continuity prospects, such
seperti kondisi pasar, persaingan, perubahan regulasi dan as market conditions, competition, regulatory changes and
perubahan tren industri. industry trends changes.
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Masukan dari Dewan Komisaris disampaikan kepada Direksi The input from the Board of Commissioners serves as crucial
sebagai bahan pertimbangan bahwa rencana bisnis Bank sesuai material for the Board of Directors to ensure alignment of the
dengan tujuan jangka panjang Perseroan dan agar Direksi mampu Bank’s business plan with long-term goals and so that the Board
mengatasi tantangan yang mungkin muncul di masa depan. Dewan of Directors is able to overcome challenges that may arise in the
Komisaris berpendapat bahwa target-target dan langkah strategis future. The Board of Commissioners expresses confidence that
yang ditetapkan Direksi pada rencana kerja 2024 merupakan the targets and strategic steps outlined by the Board of Directors
target yang realistis dan sangat mungkin untuk direalisasikan. in the 2024 work plan are realistic and likely to be achieved.
Demikian juga dengan strategi yang akan dijalankan, telah sejalan Furthermore, they believe that the planned strategy aligns with
dengan rencana jangka menengah dan panjang Bank. Untuk itu, the Bank’s medium and long-term plans. Therefore, the Board of
Dewan Komisaris sepenuhnya mendukung dan senantiasa akan Commissioners fully supports and commits to providing guidance
memberikan arahan agar target-target tersebut dapat tercapai to ensure the successful realization of these targets.
dengan baik.
Peran Dewan Komisaris dalam Pengelolaan Role of the Board of Commissioners in Managing the
Whistleblowing System (WBS) Whistleblowing System (WBS)
Allo Bank memiliki dan menerapkan sistem pelaporan pelanggaran Allo Bank has established and implemented a comprehensive
atau Whistleblowing System (WBS) secara menyeluruh dalam setiap violation reporting system known as the Whistleblowing System
aspek kegiatan bisnis Bank. WBS juga merupakan mekanisme bagi (WBS) across all aspects of the Bank’s business activities. The WBS
Dewan Komisaris untuk mendapatkan informasi manakala terdapat serves as a mechanism through which the Board of Commissioners
pelanggaran yang cenderung tidak dapat diselesaikan dengan can acquire information concerning violations that may not have
tuntas oleh Direksi. Dewan Komisaris akan mempertimbangkan been fully resolved by the Board of Directors. The Board of
dengan seksama untuk memberikan nasihat kepada Direksi untuk Commissioners will then carefully consider providing advice to
memberikan solusi terbaik atas isu atau permasalahan yang diangkat the Board of Directors to provide the best solution to issues or
melalui WBS. problems raised through the WBS.
Beberapa hal yang menunjukkan peran Dewan Komisaris dalam The role of the Board of Commissioners in implementing the
hal implementasi whistleblowing system antara lain, yaitu: whistleblowing system is demonstrated through various actions,
including:
A. Dewan Komisaris mendapatkan update dari manajemen A. The Board of Commissioners receives updates from
terkait kelengkapan dan mengembangkan kebijakan dan management regarding completeness and develops policies
prosedur terkait dengan whistleblowing system, termasuk and procedures related to the whistleblowing system, including
prosedur pelaporan, mekanisme perlindungan dan tindak reporting procedures, protection mechanisms and follow-up
lanjut terhadap laporan. to reports.
B. Dewan Komisaris mengawasi proses implementasi, memastikan B. The Board of Commissioners oversees the implementation
bahwa whistleblowing system mudah diakses oleh karyawan process, ensuring that the whistleblowing system is easily
dan memastikan bahwa semua pihak yang terlibat memahami accessible to employees and ensuring that all parties involved
peran dan tanggung jawab mereka. understand their roles and responsibilities.
C. Dewan Komisaris memantau penanganan laporan yang diterima C. The Board of Commissioners monitors the handling of reports
melalui whistleblowing system. Direksi melalui unit kerja terkait received through the whistleblowing system. The Board of
wajib menindaklanjuti setiap laporan/keluhan dan ditangani Directors, through the relevant work units, is obliged to follow
dengan serius, dilakukan penyelidikan yang tepat dan tindakan up on every report/complaint, conduct thorough investigations,
yang sesuai diambil jika diperlukan. and take appropriate actions as necessary.
D. Dewan Komisaris memastikan bahwa whistleblowing system D. The Board of Commissioners ensures that the whistleblowing
beroperasi sesuai dengan prinsip-prinsip kepatuhan, keadilan system operates in accordance with the principles of compliance,
dan transparansi. Tidak ada pemaksaan, pembalasan, atau fairness and transparency. There is no coercion, retaliation or
diskriminasi terhadap pelapor dan bahwa tindakan yang diambil discrimination against the reporter and that all actions taken
sesuai dengan hukum dan etika. are in accordance with legal and ethical standards.
E. Dewan Komisaris mendapatkan laporan secara berkala atas E. The Board of Commissioners receives regular reports on the
evaluasi kinerja whistleblowing system. Direksi, melalui unit-unit performance evaluation of the whistleblowing system. The
terkait, mengidentifikasi area-area perbaikan dan mendorong Board of Directors, through related units, identifies areas of
perbaikan terus-menerus dalam implementasi sistem. improvement and encourages continuous improvement in
system implementation.
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Dewan Komisaris berperan penting dalam implementasi The Board of Commissioners plays an important role in implementing
whistleblowing system untuk memastikan bahwa sistem tersebut the whistleblowing system to ensure that the system becomes an
menjadi bagian integral dari Tata Kelola Perusahaan yang Baik integral part of Good Corporate Governance within the Bank, which
di lingkungan Bank, yang memungkinkan pelaporan yang aman allows safe and fair reporting of non-compliance or violations.
dan adil atas ketidakpatuhan atau pelanggaran yang terjadi. This is an important step in ensuring integrity, transparency and
Ini merupakan langkah penting dalam memastikan integritas, compliance throughout the organization.
transparansi dan kepatuhan di seluruh organisasi.
Penilaian Kinerja Komite di Bawah Dewan Komisaris Performance Assessment of Committees under
Board of Commissioners
Dukungan terhadap fungsi pengawasan Dewan Komisaris The Board of Commissioners enhances its supervisory function
dioptimalkan oleh dibentuknya 3 (tiga) komite di bawah Dewan through the establishment of three committees, namely the
Komisaris, yaitu Komite Audit, Komite Pemantau Risiko, serta Audit Committee, Risk Monitoring Committee, and Nomination
Komite Nominasi dan Remunerasi. Keberadaan komite-komite and Remuneration Committee. These committees are formed in
tersebut telah sesuai dengan ketentuan-ketentuan yang berlaku accordance with applicable regulations and are aimed at refining
serta bertujuan untuk menyempurnakan implementasi prinsip- the implementation of Good Corporate Governance (GCG)
prinsip GCG. Komite Audit wajib bertugas dan bertanggung jawab principles. The Audit Committee is entrusted with the responsibility
memonitor perencanaan dan pelaksanaan audit serta tindak lanjut of monitoring the planning and execution of audits, as well as
hasil audit untuk menilai kecukupan pengendalian internal termasuk ensuring appropriate follow-up on audit findings to evaluate the
kecukupan proses pelaporan keuangan. Komite Pemantau Risiko adequacy of internal controls, including the effectiveness of the
bertanggung jawab melakukan evaluasi kesesuaian antara kebijakan financial reporting process. The Risk Monitoring Committee is
manajemen risiko dan pelaksanaan kebijakan Bank dan memantau tasked with assessing the alignment between risk management
pelaksanaan tugas Komite Manajemen Risiko dan Satuan Kerja policies and the implementation of Bank policies and monitors the
Manajemen Risiko. Komite Remunerasi dan Nominasi bertugas execution of duties by the Risk Management Committee and the
membantu fungsi dan tugas Dewan Komisaris terkait remunerasi dan Risk Management Work Unit. The Remuneration and Nomination
nominasi untuk terus memperkuat sistem Bank yang berbasis kinerja. Committee is tasked with assisting the functions and duties of the
Board of Commissioners regarding remuneration and nominations
to continue to strengthen the Bank’s performance-based system.
Dewan Komisaris melakukan penilaian kinerja komite melalui The Board of Commissioners assesses committee performance
beberapa langkah, antara lain: through several steps, including:
A. Evaluasi Tugas dan Tanggung Jawab: apakah komite-komite A. Evaluation of Duties and Responsibilities: reviewing whether
telah menjalankan tugas dan tanggung jawab mereka sesuai the committees have effectively carried out their mandated
dengan yang diamanahkan. duties and responsibilities.
B. Kinerja Komite: memberikan penilaian kinerja komite, termasuk B. Committee Performance: Assessing the performance of each
keberhasilan dalam memenuhi tujuan-tujuan yang telah committee, including their success in fulfilling the stated
ditetapkan dan efisiensi dalam menjalankan tugas-tugasnya. objectives and their efficiency in conducting their duties.
C. Kepatuhan dan Kualitas Laporan: melakukan evaluasi terhadap C. Compliance and Report Quality: evaluating committee
kepatuhan komite atas regulasi dan standar yang berlaku, serta compliance with applicable regulations and standards, as well
kualitas laporan yang dihasilkan oleh komite-komite kepada as the quality of reports produced by committees to the Board
Dewan Komisaris. of Commissioners.
D. Efektivitas Komunikasi: memberikan penilaian atas efektivitas D. Communication Effectiveness: Evaluating the effectiveness
komunikasi antara komite-komite dan Dewan Komisaris dalam of communication between the committees and the Board
menyampaikan temuan, rekomendasi dan permasalahan of Commissioners, particularly in conveying findings,
yang relevan. recommendations, and relevant issues.
E. Pelatihan dan Pengembangan: memastikan bahwa anggota E. Training and Development: Ensuring that committee members
komite-komite memiliki pengetahuan, keterampilan dan keahlian possess the requisite knowledge, skills, and expertise to
yang diperlukan untuk menjalankan tugas-tugasnya dengan baik effectively fulfill their duties through appropriate training and
melalui program pelatihan dan pengembangan yang sesuai. development programs.
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Dengan mengevaluasi kinerja komite-komite secara teratur, Dewan Through regular evaluation of committee performance, the Board of
Komisaris memastikan bahwa fungsi pengawasan dan pengambilan Commissioners ensures that the supervisory and decision-making
keputusan di dalam Bank berjalan dengan baik dan sesuai dengan functions within the Bank are running well and in accordance
prinsip-prinsip Tata Kelola Perusahaan yang Baik. Berdasarkan with the principles of Good Corporate Governance. Based on the
pelaksanaan tugas yang telah dilakukan oleh seluruh anggota implementation of duties carried out by all committee members, the
komite, Dewan Komisaris menyampaikan apresiasi dan rasa terima Board of Commissioners expresses its appreciation and gratitude to
kasihnya kepada seluruh anggota Komite Audit, Komite Pemantau all members of the Audit Committee, Risk Monitoring Committee,
Risiko, serta Komite Remunerasi dan Nominasi atas kinerja dan and Remuneration and Nomination Committee for their dedication
dedikasinya di sepanjang tahun 2023. and exemplary performance throughout the fiscal year 2023.
Perubahan Komposisi Dewan Komisaris Changes in Board of Commissioners Composition
Sepanjang tahun 2023 komposisi Dewan Komisaris Bank tidak There were no changes in the composition of the Board of
mengalami perubahan. Dengan demikian, susunan komposisi Commissioners throughout 2023. Thus, the composition of the
Dewan Komisaris per 31 Desember 2023 adalah sebagai berikut; Board of Commissioners as of 31 December 2023 is as follows;
Periode
Nama Jabatan Dasar Pengangkatan Masa Jabatan
Jabatan
Name Position Basis of Appointment Term of Office
Period
Komisaris Utama Independen RUPS Tahunan 19 Mei 2022 2022 - RUPS Tahunan Tahun 2025 Ke-1
Aviliani
Independent President Commissioner Annual GMS May 19, 2022 2022 - Annual GMS in 2025 First
Komisaris Independen RUPS Tahunan 19 Mei 2022 2022 - RUPS Tahunan Tahun 2025 Ke-1
Rosmaya
Independent Commissioner Annual GMS May 19, 2022 2022 - Annual GMS in 2025 First
Komisaris RUPS Tahunan 07 Mei 2021 2021 - RUPS Tahunan Tahun 2024 Ke-1
Ali Gunawan
Commissioner Annual GMS May 7, 2021 2021 - Annual GMS in 2024 First
Penutup Closing
Pada kesempatan ini, saya mewakili segenap Dewan Komisaris On this occasion, I represent the entire Board of Commissioners to
menyampaikan rasa terima kasih kepada pemegang saham dan express our gratitude to shareholders and stakeholders for their trust
pemangku kepentingan atas kepercayaan dan dukungannya. and support. We also extend our deepest appreciation to all levels
Apresiasi terdalam juga ditujukan kepada segenap jajaran Direksi, of the Board of Directors, employees, customers, and regulators for
karyawan, nasabah, serta regulator yang senantiasa mendukung their continuous support in the Bank’s growth and development.
Bank untuk senantiasa tumbuh dan berkembang. Kami berkomitmen We are committed to continuously improving professionalism in
untuk senantiasa meningkatkan profesionalisme dalam pengelolaan Bank management and customer service to align with current
Bank maupun pelayanan kepada nasabah selaras dengan tuntutan industry demands.
industri saat ini.
Jakarta, April 2024
Aviliani
Komisaris Utama Independen | Independent President Commissioner
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Laporan Direksi Perkembangan teknologi yang pesat
Board of Directors Report mendorong Bank untuk terus beradaptasi
secara cepat dengan memperkuat
fundamental bisnis dan penerapan teknologi
digital agar dapat menyediakan layanan
perbankan secara digital yang dapat
memenuhi kebutuhan dan permintaan tinggi
dari para nasabah dalam bertransaksi.
Rapid technological developments encourage the Bank
to continue to adapt quickly by strengthening business
fundamentals and implementing digital technology in order
to provide digital banking services that can address the
high needs and demands of customers in transactions.
Para Pemegang Saham dan Pemangku Kepentingan Dear Esteemed Shareholders and Stakeholders,
yang Terhormat,
Iklim usaha di sepanjang tahun 2023 masih tidak terlalu The business climate throughout 2023 remained
jauh berbeda dengan kondisi di tahun sebelumnya, challenging, similar to the conditions in the previous
dimana tahun tersebut masih penuh tantangan bagi year, posing ongoing hurdles for the banking industry.
industri perbankan. Kondisi tersebut membuat Allo In response, Allo Bank implemented a series of
Bank melakukan serangkaian strategi untuk dapat strategies aimed at accelerating its business growth.
terus melakukan akselerasi pertumbuhan bisnisnya. This annual report serves as a management report
Laporan tahunan ini menjadi bagian dari pelaporan on the Bank’s strategy and performance throughout
manajemen atas strategi dan kinerja Bank di sepanjang 2023, documenting the Company’s journey towards
tahun 2023, sekaligus menjadi dokumentasi atas achieving its stated vision and mission.
perjalanan Perseroan untuk mencapai visi dan misi
yang telah dicanangkan.
Tinjauan Makro Ekonomi Macroeconomic Review
Seperti dikutip dari Tinjauan Kebijakan Moneter As quoted from the December 2023 Monetary Policy
Desember 2023 yang dirilis oleh Bank Indonesia, Review released by Bank Indonesia, global economic
pertumbuhan perekonomian dunia melambat diwarnai growth is decelerating due to unfavorable geopolitical
dengan kondisi geopolitik yang kurang kondusif dan conditions and financial market uncertainties. Bank
ketidakpastian pasar keuangan. Bank Indonesia Indonesia predicts global economic growth in 2023
memprakirakan pertumbuhan ekonomi global tahun is at 3.0%, declining further to 2.8% in 2024. Notably,
2023 sebesar 3,0% dan melambat menjadi 2,8% pada the economic growth of the United States (US) and
2024. Pertumbuhan ekonomi Amerika Serikat (AS) India in 2023 surpassed initial estimates, driven by
dan India tahun 2023 lebih baik dari prakiraan awal household consumption and government expansion.
ditopang oleh konsumsi rumah tangga dan ekspansi Conversely, China’s economy experienced a slowdown
pemerintah. Sementara itu, ekonomi Tiongkok melemah due to limited growth in household consumption
seiring dengan konsumsi rumah tangga dan investasi and investment.
yang tumbuh terbatas.
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Indra Utoyo
Direktur Utama
President Director
Di sisi lain, perekonomian Indonesia tetap tumbuh baik On the other hand, the Indonesian economy continues
didukung oleh permintaan domestik. Konsumsi rumah to grow well, supported by domestic demand.
tangga dan investasi tetap tumbuh sejalan dengan Household consumption and investment continue to
keyakinan masyarakat dan berlanjutnya penyelesaian grow in line with public confidence and the continued
Proyek Strategis Nasional (PSN). Perkembangan ini completion of National Strategic Projects (PSN). This
dikonfirmasi oleh sejumlah indikator utama hingga development is confirmed by a several key indicators
bulan Desember 2023, seperti keyakinan konsumen, up to December 2023, including consumer confidence,
penjualan eceran, dan Purchasing Managers' Index (PMI) retail sales and Manufacturing Purchasing Managers’
Manufaktur. Sementara itu, kinerja ekspor cenderung Index (PMI). Meanwhile, export performance is showing
lebih baik, seiring dengan peningkatan permintaan improvement, in line with increasing demand from
beberapa mitra dagang utama, seperti AS dan India. several major trading partners, such as the US and India.
Berdasarkan Lapangan Usaha, kinerja perekonomian Based on Business Fields, economic performance is
terutama didorong oleh Perdagangan Besar dan mainly driven by wholesale and retail trade, processing
Eceran, Industri Pengolahan serta Konstruksi. industry and construction sectors.
Berdasarkan data dari Biro Pusat Statistik, pertumbuhan According to data from the Central Bureau of Statistics,
ekonomi Indonesia dalam tahun 2023 mencapai 5,05%. Indonesia’s economic growth reached 5.05% in 2023.
Pada 2024, kinerja konsumsi, baik swasta maupun For 2024, both private and government consumption
Pemerintah, dan investasi diperkirakan terus meningkat performance, as well as investment, are expected
sejalan dengan keyakinan konsumsi masyarakat yang to continue to increase in line with robust public
tetap kuat, dampak positif pelaksanaan Pemilu, serta consumption confidence, positive impact of the election,
keberlanjutan pembangunan Proyek Strategis Nasional and the continued progress of the National Strategic
(PSN). Dengan perkembangan tersebut, pertumbuhan Project (PSN) development. With these developments,
ekonomi 2024 diperkirakan meningkat dalam kisaran economic growth for 2024 is estimated increase in the
4,7-5,5%. range of 4.7% - 5.5%.
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Company Profile
Tinjauan Segmen Industri Industry Segment Overview
Di sisi segmen industri, Bank Indonesia menyatakan bahwa likuiditas According to Bank Indonesia, the industrial segment saw continued
perbankan masih memadai sehingga memperkuat lending capacity adequacy in banking liquidity, thereby strengthening banking
perbankan. Pada November 2023, rasio Alat Likuid terhadap Dana lending capacity. As of November 2023, the Liquid Assets to Third
Pihak Ketiga (AL/DPK) tetap terjaga tinggi, yaitu 26,04%. Likuiditas Party Funds (AL/DPK) ratio remained high at 26.04%. The sustained
perbankan yang tetap memadai tersebut didukung oleh kebijakan adequacy of banking liquidity is attributed to accommodative
makroprudensial akomodatif, antara lain implementasi Kebijakan macroprudential policies, including the implementation of
Insentif Likuiditas Makroprudensial (KLM). Total tambahan likuiditas Macroprudential Liquidity Incentive Policy (KLM). By December
dari insentif KLM mencapai Rp163,3 triliun per Desember 2023 2023, the total additional liquidity from KLM incentives reached
atau meningkat sebesar Rp55 triliun sejak penerapan KLM pada IDR 163.3 trillion, or an increase of IDR 55 trillion since the
1 Oktober 2023. implementation of KLM on October 1, 2023.
Peningkatan intermediasi perbankan juga terus berlanjut. Furthermore, increasing banking intermediation also continues.
Pertumbuhan Dana Pihak Ketiga (DPK) tercatat sebesar 3,04% (yoy) Third Party Funds (DPK) witnessed a growth of 3.04% (yoy) in
pada November 2023, sedangkan kredit perbankan tumbuh 9,74% November 2023, while banking credit expanded by 9.74% (yoy),
(yoy), lebih tinggi dibandingkan dengan pertumbuhan pada bulan surpassing the growth rate of the previous month at 8.99% (yoy).
sebelumnya yaitu 8,99% (yoy). Peningkatan kredit/pembiayaan The increase in credit/financing was driven by increased demand
didorong oleh peningkatan permintaan kredit sejalan dengan tetap for credit, in line with sustained performance in both corporate
terjaganya kinerja korporasi dan rumah tangga. Secara sektoral, and household sectors. Sector-wise, credit growth was mainly
pertumbuhan kredit terutama ditopang oleh sektor Perdagangan, supported by the Trade, Industry, and Business Services sectors.
Industri, dan Jasa Dunia Usaha.
Kinerja transaksi ekonomi dan keuangan digital tetap kuat didukung The performance of digital economic and financial transactions
oleh sistem pembayaran yang aman, lancar, dan andal. Pada remains robust, bolstered by a secure, seamless, and reliable
November 2023, nilai transaksi digital banking tercatat Rp5.163,76 payment system. In November 2023, the value of digital banking
triliun atau tumbuh sebesar 13,21% (yoy), sementara itu nilai transaksi transactions surged to IDR 5,163.76 trillion, marking a growth of
Uang Elektronik (UE) meningkat 16,95% (yoy) sehingga mencapai 13.21% (yoy). Concurrently, Electronic Money (EU) transactions
Rp41,30 triliun. Nominal transaksi QRIS tercatat tumbuh 157,43% witnessed an increase of 16.95% (yoy), reaching IDR 41.30 trillion.
(yoy) sehingga mencapai Rp24,90 triliun, dengan jumlah pengguna QRIS transactions experienced a remarkable growth of 157.43%
45,03 juta dan jumlah merchant 30,12 juta yang sebagian besar (yoy), amounting to IDR 24.90 trillion. The user base for QRIS
merupakan UMKM. transactions reached 45.03 million, with 30.12 million merchants,
primarily comprising MSMEs.
Nilai transaksi pembayaran menggunakan kartu ATM, kartu debit, However, the value of payment transactions using ATM cards,
dan kartu kredit mencapai Rp662,39 triliun atau turun sebesar debit cards, and credit cards decreased slightly by 0.39% (yoy),
0,39% (yoy). Sementara dari pengelolaan uang Rupiah, jumlah totaling IDR 662.39 trillion. On the management of Rupiah currency,
Uang Kartal Yang Diedarkan (UYD) pada November 2023 meningkat the Currency in Circulation (UYD) in November 2023 increased
5,69% (yoy) sehingga menjadi Rp988,40 triliun. Bank Indonesia by 5.69% (yoy) to IDR 988.40 trillion. Bank Indonesia remains
terus memastikan ketersediaan uang Rupiah dalam jumlah yang committed to ensuring the availability of Rupiah currency in
cukup, pecahan yang sesuai, dengan kualitas yang terjaga di seluruh adequate quantities and appropriate denominations, maintaining
wilayah NKRI melalui program pengedaran uang Rupiah ke daerah its quality across the Republic of Indonesia through the Rupiah
Terluar, Terdepan, Terpencil (3T) serta kegiatan Kas Keliling, Kas currency distribution program to Outermost, Frontier, Remote (3T)
Titipan dan Ekspedisi Rupiah Berdaulat. areas, as well as Mobile Cash, Safe Deposit, and Sovereign Rupiah
Expedition activities.
Peran Direksi dan Implementasi Kebijakan Strategis The Role of the Board of Directors and
Implementation of Strategic Policy
Mulai bergesernya gaya hidup masyarakat ke arah digital yang The shift in societal lifestyles towards digital, supported by easy
didukung dengan kemudahan akses dan luasnya jaringan access and extensive telecommunications networks, including the
telekomunikasi, termasuk internet, menjadi peluang bagi Allo Bank internet, presents an opportunity for Allo Bank as a digital service-
selaku bank umum berbasis layanan digital untuk mengoptimalkan based commercial bank to optimize its products and services for
produk dan layanan yang diberikan kepada para nasabah. customers. Rapid technological developments encourage the Bank
Perkembangan teknologi yang pesat mendorong Bank untuk terus to continue to adapt quickly by strengthening business fundamentals
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Sustainability Report 45
beradaptasi secara cepat dengan memperkuat fundamental bisnis and implementing digital technology in order to provide digital
dan penerapan teknologi digital agar dapat menyediakan layanan banking services that can meet the high needs and demands of
perbankan secara digital yang dapat memenuhi kebutuhan dan customers in transactions. For this reason, Bank Management
permintaan tinggi dari para nasabah dalam bertransaksi. Untuk has determined a number of strategic steps that can optimize its
itu, Manajemen Bank telah menetapkan sejumlah langkah strategis performance, including:
yang dapat mengoptimalkan kinerjanya, di antaranya dengan:
1. Melakukan penetrasi pasar dan memberikan nilai tambah 1. Penetrating the market and providing added value to customers
kepada nasabah secara berkelanjutan melalui implementasi on an ongoing basis through implementing the 3 pillars of
3 pilar strategi bisnis Bank (acquisition, engagement, and the Bank’s business strategy (acquisition, engagement, and
monetization); monetization);
2. Meningkatkan layanan digital secara signifikan yang berdampak 2. Significantly improve digital services which have an impact on
pada peningkatan aset dan liabilitas; increasing assets and liabilities;
3. Menjalin kolaborasi dengan berbagai mitra strategis ekosistem 3. Establish collaboration with various key ecosystem strategic
utama melalui penerapan model Open Banking untuk partners through implementing the Open Banking model to
memperkaya dan meningkatkan nilai layanan finansial yang enrich and increase the value of financial services provided
disediakan oleh Bank; by the Bank;
4. Penguatan data driven organization dengan memanfaatkan 4. Strengthening data driven organizations by utilizing Artificial
kapabilitas Artificial Intelligence (AI) dan data analytic untuk Intelligence (AI) capabilities and data analytics to increase the
meningkatkan keunggulan kompetitif Bank; Bank’s competitive advantage;
5. Penguatan manajemen risiko menggunakan teknologi terkini 5. Strengthening risk management using the latest technology in
dalam rangka memperkuat operasional Bank; order to strengthen Bank operations;
6. Pengembangan talenta DIGITAL untuk mencapai kinerja Bank 6. Development of DIGITAL talent to achieve superior Bank
yang unggul; dan performance; And
7. Penguatan Good Corporate Governance (GCG) di seluruh 7. Strengthening Good Corporate Governance (GCG) in all Bank
fungsi organisasi Bank. organizational functions.
Di bawah pengawasan Direksi, strategi tersebut diharapkan Under the supervision of the Board of Directors, this strategy is
mampu membawa Bank untuk tumbuh secara terukur dan expected to be able to lead the Bank to grow in a measurable
berkesinambungan di tengah kondisi geopolitik, ekonomi dan and sustainable manner amidst turbulent geopolitical, economic
iklim global yang penuh gejolak, kondisi nasional yang akan and global climate conditions, alongside the impending political
memasuki tahun politik, serta pesatnya perkembangan digital landscape in the country as well as the rapid digital developments
di industri perbankan. Untuk itu, Bank akan menjalankan model in the banking industry. For this reason, the Bank will implement
bisnis dengan menyampaikan layanan finansial secara daring a business model by delivering financial services online with a
dengan jumlah kantor cabang yang terbatas dan membangun limited number of branch offices and building synergies with CT
sinergi dengan CT Corpora serta strategic business partners lainnya Corpora and other strategic business partners in developing the
dalam mengembangkan ekosistem digital. Bank meyakini bahwa digital ecosystem. The Bank is confident that this digital approach
pendekatan ini yang dilakukan secara digital dapat memberikan will not only enhance business sustainability but also yield positive
kontribusi dalam meningkatkan bisnis secara berkelanjutan sekaligus contributions to the national economy.
memberikan dampak positif pada perekonomian nasional.
Perbandingan antara Hasil yang Dicapai dengan Comparison between Achieved and Targeted Results
yang Ditargetkan
Sepanjang tahun 2023 iklim usaha nasional memang dipenuhi Throughout 2023, the national business climate was indeed fraught
dengan berbagai tantangan, namun hal itu tak menyurutkan with various challenges. However, these challenges did not hinder
kinerja usaha Bank hingga ke level optimal. Dalam penetapan Allo Bank’s business performance from reaching optimal levels.
target, Allo Bank senantiasa memperkuat fondasi bisnis melalui In setting targets, Allo Bank consistently fortified its business
kebijakan strategis yang tepat sasaran. Di tahun 2023, Allo Bank foundation through targeted strategic policies. In 2023, Allo Bank
merencanakan perolehan dari beberapa komponen substansial aimed to achieve several significant components as benchmarks
sebagai tolak ukur dalam menilai kinerja usaha. Perbandingan for assessing business performance. The comparison between
antara rencana dan realisasi adalah sebagai berikut: planned objectives and actual achievements is outlined below:
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46 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
• Aset • Asset
Per 31 Desember 2023, Bank membukukan Jumlah Aset As of December 31, 2023, the Bank’s Total Assets amounted
sebesar Rp12,75 triliun yaitu 104% dari target Bank sebesar to IDR 12.75 trillion, surpassing the target of IDR 12.30 trillion
Rp12,30 triliun. Angka tersebut mengalami peningkatan sebesar by 104%. This signifies a notable 15% increase compared to
15% dibanding tahun 2022 yang tercatat sebesar Rp11,06 2022, which stood at IDR 11.06 trillion. The growth in assets was
triliun. Kinerja Aset tersebut sebagian besar didorong oleh primarily driven by the growth of bank credit and marketable
pertumbuhan kredit Bank dan penempatan pada efek-efek securities issued by the Government.
yang diterbitkan oleh Pemerintah.
• Pendapatan Bunga • Interest income
Hingga akhir tahun 2023, perolehan Pendapatan Bunga Bank By the end of 2023, the Bank’s interest income reached IDR
sebesar Rp1036,8. miliar yaitu 113% dari target Bank sebesar 1036.8 billion, exceeding the targeted IDR 915.5 billion by
Rp915,5 miliar. Angka tersebut mengalami peningkatan sebesar 113%. This represents a significant 65% increase compared
65% dibanding tahun 2022 yang tercatat sebesar Rp627,2 miliar. to 2022, which recorded IDR 627.2 billion. This increase was
Kenaikan tersebut disebabkan oleh peningkatan pendapatan caused by an increase in loan interest income and an increase
bunga kredit dan peningkatan pendapatan bunga efek-efek. in securities interest income.
• Laba (Rugi) Tahun Berjalan • Profit (Loss) for the year
Per 31 Desember 2023, laba (rugi) tahun berjalan tercatat As of December 31, 2023, the Bank’s profit (loss) for the year
sebesar Rp445 miliar yaitu 137% dari target Bank sebesar amounted to IDR 445 billion, surpassing the target of IDR
Rp324 miliar. Angka tersebut mengalami peningkatan sebesar 324 billion by 137%. This indicates a notable 64% increase
64% dibanding tahun 2022 yang tercatat sebesar Rp270 miliar. compared to 2022, recorded at IDR 270 billion. This increase
Kenaikan tersebut disebabkan oleh peningkatan pendapatan was caused by an increase in operational income supported
operasional yang baik didukung dengan disiplin biaya yang by stringent cost management.
ketat.
• Kualitas Kredit • Credit Quality
Kualitas kredit terjaga dengan baik sebagaimana tercermin pada Credit quality is well maintained as reflected in the Gross and
rasio NPL Gross dan Net masing-masing sebesar 0.08% dan Net NPL ratios of 0.08% and 0.05% respectively, although
0.05%, walaupun sedikit naik dibanding periode yang sama slightly increased compared to the same period in the previous
tahun sebelumnya masing-masing sebesar 0.05% dan 0.03%. year of 0.05% and 0.03% respectively.
Perbandingan antara target dan pencapaian tersebut menjadi The comparison between targeted objectives and actual
salah satu gambaran yang dipertimbangkan dalam penyusunan achievements serves as a critical illustration in shaping future
target dan strategi bisnis ke depan. Didukung oleh kapasitas serta business strategies and setting targets. Supported by its capacity
prospek yang dimiliki, Bank optimis untuk dapat meraih kinerja and prospects, the Bank is optimistic that it will be able to achieve
unggul secara berkelanjutan di masa mendatang. sustainable superior performance in the future.
Gambaran tentang Prospek Usaha View on Business Outlook
Pemerintah melalui Kementerian Keuangan memiliki kesepahaman The government, through the Ministry of Finance, has an
bahwa APBN tahun 2024 tetap menjadi instrumen kebijakan yang understanding that the 2024 APBN remains a policy instrument that
dapat diandalkan menghadapi gejolak ekonomi dan geopolitik can be relied upon to face economic and geopolitical turmoil and
serta mendukung agenda pembangunan termasuk pelaksanaan support the development agenda, including holding simultaneous
Pemilu serentak pada tahun 2024. Kondisi ekonomi Indonesia dan elections in 2024. Indonesian and global economic conditions are
global masih menghadapi tantangan, seperti inflasi dan perang still facing challenges, such as inflation and the Russian-Ukrainian
Rusia-Ukraina. Tantangan-tantangan ini dapat berdampak negatif war. These challenges can have a negative impact on the Indonesian
pada perekonomian Indonesia, sehingga perlu diantisipasi oleh economy, so the government needs to anticipate them through
pemerintah melalui kebijakan APBN 2024 yang tepat. appropriate 2024 APBN policies.
Pemerintah dengan DPR RI menyepakati asumsi dasar makro The government and the DPR RI agreed on the basic macro
pada APBN 2024 yaitu: (I) Pertumbuhan ekonomi sebesar 5,2%; assumptions in the 2024 APBN, namely: (i) Economic growth of
(ii) Inflasi terkendali sebesar 2,8%; (iii) Nilai tukar rupiah sebesar 5.2%; (ii) Controlled inflation at 2.8%; (iii) Rupiah exchange rate
Rp15.000/US$; (iv) Suku bunga SBN 10 tahun sebesar 6,7%; (v) ICP of IDR 15,000/US$; (iv) 10-year SBN interest rate of 6.7%; (v) ICP
disepakati sebesar US$82/Barel; dan (vi) Lifting minyak disepakati agreed at US$82/Barrel; and (vi) Oil lifting was agreed at 635
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Sustainability Report 47
sebesar 635 ribu barel per hari dan lifting gas sebesar 1,033 juta thousand barrels per day and gas lifting at 1.033 million barrels of
barel setara minyak per hari. oil equivalent per day.
Di sisi lain, Bank Indonesia memperkirakan pertumbuhan On the other hand, Bank Indonesia forecasts economic growth
ekonomi 2023 berada dalam kisaran 4,5-5,3%. Pada 2024, in 2023 to range between 4.5% to 5.3%. In 2024, consumption
kinerja konsumsi, baik swasta maupun Pemerintah dan investasi performance, both private and government, and investments
diperkirakan terus meningkat sejalan dengan keyakinan konsumsi are expected to continue to increase, in line with robust public
masyarakat yang tetap kuat, dampak positif pelaksanaan Pemilu, consumption confidence, bolstered by the positive impact of the
serta keberlanjutan pembangunan Proyek Strategis Nasional (PSN). upcoming elections and the sustained development of National
Dengan perkembangan tersebut, pertumbuhan ekonomi 2024 Strategic Projects (PSN). With these developments, economic
diperkirakan meningkat dalam kisaran 4,7-5,5%. Ke depan, Bank growth in 2024 is estimated to range from 4.7% to 5.5%. Bank
Indonesia akan terus memperkuat sinergi stimulus fiskal Pemerintah Indonesia remains committed to bolstering the synergy between
dengan stimulus makroprudensial Bank Indonesia untuk mendorong government fiscal stimuli and its own macroprudential measures
pertumbuhan ekonomi, khususnya dari sisi permintaan. to stimulate economic growth, particularly from the demand side.
Seiring dengan semakin berkembang dan ketatnya persaingan Amidst intensifying competition within the banking sector, especially
di industri perbankan, khususnya perbankan dengan layanan in the realm of digital services, Allo Bank continues to refine its
digital, membuat Allo Bank terus mengoptimalkan strategi guna strategies to enhance overall performance. The bank prioritizes
mengoptimalkan kinerja Bank. Hal tersebut dilakukan dengan the development of its main ecosystem to realize business goals
mengembangkan ekosistem utama sebagai fokus Bank agar dapat and provided added value to customers and other stakeholders.
mewujudkan tujuan bisnis dan dapat memberikan nilai tambah The Bank continues to strengthen its business foundation by
kepada nasabah maupun pemangku kepentingan lainnya. Bank strengthening synergies with the CT Corpora ecosystem and other
terus memperkuat fondasi bisnisnya dengan memperkuat sinergi strategic partners and positioning itself as a digital service-based
dengan ekosistem CT Corpora dan mitra strategis lainnya dan commercial bank that focuses on providing the best products and
memposisikan diri sebagai bank umum berbasis layanan digital services online. This strategic approach aims to ensure customers
yang berfokus untuk memberikan produk dan layanan terbaik can access banking services safely, comfortably, easily, anytime
secara daring, sehingga para nasabah dapat mengakses layanan and anywhere so that it becomes part of their daily life activities.
perbankan dengan aman, nyaman, mudah, kapan saja dan
dimana saja sehingga menjadi bagian dari aktivitas kehidupannya
sehari-hari.
Penerapan Tata Kelola Bank Implementation of Bank Governance
Allo Bank menganggap bahwa penerapan Tata Kelola Perusahaan Allo Bank recognizes that upholding Good Corporate Governance
yang Baik (Good Corporate Governance/GCG) dapat mendorong (GCG) principles fosters healthy competition and cultivates a
terciptanya persaingan yang sehat dan iklim usaha yang kondusif. favorable business environment. Considering the importance of
Mengingat pentingnya penerapan GCG, Bank berkomitmen implementing GCG, the Bank is committed to always implementing
untuk senantiasa menjalankan GCG pada keseharian bisnis yang GCG in its daily business activities as an important element in
dijalankan sebagai unsur penting dalam menunjang pertumbuhan supporting sustainable growth and stability of business performance.
dan stabilitas kinerja usaha yang berkesinambungan.
Selain itu, implementasi GCG juga menjadi salah satu pilar utama Furthermore, the implementation of GCG serves as the main pillar
pada konsep pembangunan berkelanjutan yang diharapkan mampu of sustainable development, contributing to the establishment of a
membentuk fondasi iklim yang sehat. Allo Bank juga berupaya healthy business climate. Allo Bank remains dedicated to ensuring
untuk terus memastikan penerapan GCG dapat dilakukan secara comprehensive GCG implementation across the organization,
komprehensif di seluruh organisasi Bank, baik dari jajaran Dewan encompassing the Board of Commissioners, Directors, and all
Komisaris, Direksi, maupun Insan Bank lainnya. other bank personnel.
Bank percaya bahwa GCG adalah salah satu faktor fundamental The Bank believes that GCG is one of the fundamental factors
bagi investor dalam menilai kinerja perusahaan di masa mendatang. for investors in assessing a company’s future performance. To
Untuk memastikan proses tata kelola dilaksanakan secara baik, ensure the governance process is implemented well, Allo Bank
Allo Bank secara berkala melakukan review dan penyempurnaan conducts regular reviews and updates of governance policies,
terhadap kebijakan tata kelola sebagai salah satu wujud komitmen demonstrating its commitment to enhancing the quality of
peningkatan kualitas penerapan tata kelola di seluruh lini governance implementation throughout all levels of the organization.
organisasi Bank.
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48 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Penilaian Terhadap Komite-Komite di Bawah Direksi Assessment of Committees Under the Board of
Directors
Berdasarkan ketentuan perundang-undangan, Direksi dapat Based on statutory provisions, the Board of Directors has the
membentuk organ yang dapat membantu pelaksanaan tugas authority to establish committees that can assist in conducting
Direksi Allo Bank. Di tahun 2023, Direksi telah membentuk the duties of the Allo Bank Board of Directors. In 2023, the Board
beberapa komite pendukung, meliputi Komite Manajemen Risiko, of Directors has formed several supporting committees, including
Komite Kredit, Komite Kebijakan Perkreditan, Komite ALCO, Komite the Risk Management Committee, Credit Committee, Credit
Pengarah Teknologi Informasi, Komite Produk, serta Sekretaris Policy Committee, ALCO Committee, Information Technology
Perusahaan. Selama tahun 2023, Direksi menilai bahwa seluruh Steering Committee, Product Committee, and Corporate
komite tersebut telah melaksanakan tugas dan tanggung jawabnya Secretary. Throughout 2023, the Board of Directors assesses that
secara profesional sesuai dengan program kerja tahunan serta all committees have carried out their duties and responsibilities
pedoman dan tata tertib kerja masing-masing komite. professionally in accordance with the annual work program as
well as the work guidelines and regulations of each committee.
Komposisi Anggota Direksi Composition of Board of Directors
Allo Bank telah menyusun jumlah dan komposisi Direksi sedemikian Allo Bank has meticulously structured the number and composition
rupa sehingga memungkinkan pengambilan keputusan dapat of its Board of Directors to facilitate efficient, accurate, and
dilakukan secara efektif, tepat dan cepat, serta dapat bertindak expeditious decision-making, while also ensuring independence.
independen. Per 31 Desember 2023, Bank tidak mengalami As of December 31, 2023, there have been no alterations to the
perubahan susunan dan komposisi Direksi. Adapun komposisi composition of the Board of Directors. The current composition
Direksi Bank hingga saat ini dapat dilihat sebagai berikut: of the Bank’s Board of Directors is as follows:
Periode
Nama Jabatan Dasar Pengangkatan Masa Jabatan
Jabatan
Name Position Basis of Appointment Term of Office
Period
Direktur Utama RUPS Tahunan 19 Mei 2022 2022 - RUPS Tahunan Tahun 2025 Pertama
Indra Utoyo
President Director Annual GMS on May 19, 2022 2022 - 2025 Annual GMS First
Direktur RUPS Luar Biasa 29 Januari 2021 2021 - RUPS Tahunan Tahun 2024 Pertama
Ari Yanuanto Asah
Director Extraordinary GMS on January 29, 2021 2021 - 2024 Annual GMS First
Direktur RUPS Luar Biasa 29 Januari 2021 2021 - RUPS Tahunan Tahun 2024 Pertama
Arief Tendeas
Director Extraordinary GMS on January 29, 2021 2021 - 2024 Annual GMS First
Direktur RUPS Luar Biasa 15 Oktober 2021 2021 - RUPS Tahunan Tahun 2024 Pertama
Ganda Raharja Rusli
Director Extraordinary GMS on October 15, 2021 2021 - 2024 Annual GMS First
Direktur RUPS Tahunan 19 Mei 2022 2022 - RUPS Tahunan Tahun 2025 Pertama
Sajal Bhatnagar
Director Annual GMS on May 19, 2022 2022 - 2025 Annual GMS First
Struktur Organisasi Bank di 2023 Bank Organizational Structure in 2023
Allo Bank terus memperkuat struktur organisasinya guna mencapai Allo Bank continues to strengthen its organizational structure in
tujuan yang telah ditetapkan sejalan dengan dinamika bisnis yang order to achieve its stated goals in line with continuously developing
terus berkembang dan ketatnya persaingan di bidang perbankan. business dynamics and intense competition in the banking sector.
Struktur organisasi Bank terakhir pada tahun 2023 disahkan melalui The final organizational structure of the Bank in 2023 was ratified
Surat Keputusan Direksi No. 080/DIRAB/23 tanggal 11 Oktober through Directors’ Decree No. 080/DIRAB/23 dated October 11,
2023 tentang Perubahan Struktur Organisasi, yang disesuaikan 2023 concerning Changes in Organizational Structure, which are
guna mendukung percepatan bisnis sesuai dengan tujuan Bank. adjusted to support business acceleration in accordance with the
Bank’s objectives.
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Sustainability Report 49
Aktivitas Utama Bank di 2023 Main Activities of the Bank in 2023
Aktivitas utama Direksi selama tahun 2023, yaitu menjalankan Throughout 2023, the Board of Directors main activities were
kegiatan operasi Bank sehari-hari dan memimpin Perusahaan overseeing the Bank’s day-to-day operations and guiding the
dalam mencapai maksud dan tujuan serta kegiatan usaha yang telah Company towards achieving its aims, objectives, and business
ditetapkan dalam Anggaran Dasar. Direksi juga bertanggung jawab activities as outlined in the Articles of Association. Additionally, the
terhadap kepengurusan bisnis Bank dan merealisasikan Rencana Board assumed responsibility for managing the Bank’s business
Bisnis Bank tahun 2023 yang telah ditetapkan. Di tahun 2023, affairs and realizing the Bank’s Business Plan for the year, which had
Allo Bank juga melakukan perubahan Anggaran Dasar yang telah been duly established. In 2023, Allo Bank also made amendments
disahkan melalui Akta No. 01 tanggal 14 Juni 2023 yang dibuat to its Articles of Association which have been ratified through Deed
di hadapan Dharma Akhyuzi, S.H., Notaris di Jakarta yang telah No. 01 dated June 14, 2023 which was made before Dharma
memperoleh persetujuan dari Menteri Hukum dan Hak Asasi Manusia Akhyuzi, S.H., Notary in Jakarta and has obtained approval from
Republik Indonesia dengan Surat Keputusan No. AHU-0039698. the Minister of Law and Human Rights of the Republic of Indonesia
AH.01.02.Tahun 2023 tanggal 12 Juli 2023 dan telah didaftarkan through Decree No. AHU-0039698.AH.01.02.Year 2023 dated July
dalam Daftar Perseroan No. AHU-0131254.AH.01.11 tanggal 12 12, 2023 and has been registered in the Company Register No.
Juli 2023. Perubahan tersebut disesuaikan dengan ketentuan AHU-0131254.AH.01.11 dated July 12, 2023. These amendments are
peraturan perundang-undangan di sektor Perbankan dan pasar adjusted to the provisions of applicable laws and regulations in the
Modal yang berlaku, yaitu diantaranya Undang-Undang Republik Banking and Capital markets sector, namely Law of the Republic of
Indonesia Nomor 4 Tahun 2023 tentang di sektor Perbankan dan Indonesia Number 4 of 2023 concerning the applicable Banking
pasar Modal yang berlaku, yaitu diantaranya Undang-Undang and Capital markets sector and Law of the Republic of Indonesia
Republik Indonesia Nomor 4 Tahun 2023 tentang Pengembangan Number 4 of 2023 concerning Development and Strengthening of
dan Penguatan Sektor Keuangan untuk penyesuaian kegiatan the Financial Sector to adjust the Company’s business activities and
usaha Perseroan dan Peraturan otoritas Jasa Keuangan Nomor 55/ Financial Services Authority Regulation Number 55/POJK.03/2016
POJK.03/2016 Tentang penerapan Tata Kelola Bagi Bank umum concerning the implementation of Governance for Commercial
untuk penyesuaian jumlah komposisi anggota Direksi dan anggota Banks to adjust the composition of the number of members of
Dewan Komisaris Perseroan. the Company’s Board of Directors and Board of Commissioners.
Teknologi Informasi Information Technology
Sebagai perusahaan perbankan dengan layanan digital, Perseroan As a banking institution offering digital services, the Company
berupaya untuk terus mengembangkan kapasitas Teknologi remains committed to incrementally enhancing its Information
Informasi (TI) yang dimiliki secara bertahap. Bank senantiasa Technology (IT) capabilities. The Bank continues to develop and
mengembangkan dan memanfaatkan penggunaan TI mutakhir utilize the latest, future-ready IT to increase better productivity
yang future-ready guna meningkatkan produktivitas yang lebih in order to maintain its position amidst increasingly competitive
baik guna mempertahankan posisinya di tengah kondisi yang conditions, and minimize business operational risks, as well as
semakin kompetitif, dan meminimalisir risiko operasional bisnis support the achievement of the stated vision and mission.
yang dihadapi, serta mendukung pencapaian visi dan misi yang
telah ditetapkan.
Untuk itu, Bank telah menyusun dan menerapkan arsitektur serta For this reason, the Bank has developed and implemented IT
kebijakan tata kelola, prosedur dan standar TI untuk menyelaraskan architecture and governance policies, procedures and standards
langkah-langkah pengembangan TI yang dapat mendukung strategi to align IT development that can support the overall business
bisnis secara keseluruhan guna mewujudkan tujuan Bank. Sementara strategy to realize the Bank’s goals. Meanwhile, the Bank views that
itu, Bank memandang bahwa pengembangan kompetensi TI harus IT competency development must be carried out comprehensively to
dilakukan secara komprehensif sehingga dapat mencapai akselerasi accelerate business growth and be able to accommodate changes
pertumbuhan bisnis serta mampu mengakomodasi perubahan dan and challenges of increasingly stringent business development.
tantangan perkembangan usaha yang semakin ketat.
Di sisi lain, dalam rencana pengembangan aplikasi digital, Bank On the other hand, in its digital application development endeavors,
berupaya untuk selalu memenuhi aspek kepatuhan terhadap regulasi the Bank ensures compliance with regulations set forth by OJK
OJK dan Bank Indonesia yang mana evaluasi pengembangan and Bank Indonesia, where internal development evaluations are
secara internal juga dilakukan sebagai upaya memitigasi risiko also conducted as an effort to mitigate potential risks. Regarding
yang mungkin muncul. Pada faktor eksternal, Bank juga mendapat external factors, the Bank also receives support from regulators,
dukungan dari regulator khususnya Otoritas Jasa Keuangan (OJK) especially the Financial Services Authority (OJK) in terms of licensing
dalam hal perizinan dan pengawasan yang dilakukan. and supervision.
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Produk dan Jasa yang Ditawarkan Products and Services Offered
Berdasarkan Anggaran Dasar terakhir, Allo Bank menjalankan Based on the latest Articles of Association, Allo Bank engages in
kegiatan usaha bank umum dengan model bisnis perbankan general banking activities, adopting a digital banking business
secara digital. Bank mengklasifikasikan kinerja operasional bisnis model. The Bank categorizes its operational performance based
berdasarkan produk dan layanan yang dimiliki. Sepanjang tahun on the array of products and services it offers. Throughout 2023,
2023, Bank senantiasa mengembangkan produk dan layanan continued to develop digital banking products and services and
perbankan digital dan fitur-fitur pembayaran, meliputi: payment features, including:
• Produk uang elektronik dengan branding Allo Pay dan Allo Pay+ • Electronic money products under Allo Pay and Allo Pay+
branding
• Produk tabungan termasuk Allo Prime dan Allo Grow • Savings products include Allo Prime and Allo Grow
• Deposito • Deposits
• Kredit digital dengan branding PayLater dan Instant Cash • Digital credit under PayLater and Instant Cash branding
• Layanan Transfer Dana, tarik tunai tanpa kartu, top up uang • Fund Transfer Services, cardless cash withdrawals, electronic
elektronik, pembayaran QRIS, layanan pembayaran biller dan money top ups, QRIS payments, biller payment services and
program loyalty berupa Membership, Point and Coupon (MPC). loyalty programs in the form of Membership, Points and
Coupons (MPC).
Tingkat Suku Bunga Penghimpunan dan Penyediaan Interest Rates for Collection and Provision of Funds
Dana
Selama tahun 2023, Bank menerapkan rata-rata tingkat suku bunga Throughout 2023, the Bank applied the following average interest
penghimpunan dan penyediaan dana sebagai berikut: rates for collecting and providing funds:
• Deposito Berjangka : 5,98% • Time Deposit: 5.98%
• Jasa Giro : 0,6% • Current Account: 0.6%
Jaringan Kerja dan Mitra Usaha Work Network and Business Partners
Kantor Pusat Bank berkedudukan di Jakarta, selain itu dalam The Bank’s Head Office is located in Jakarta, and in addition to
memberikan pelayanan kepada para nasabah Bank memiliki 1 serving customers at this location, the Bank has 1 head office and
kantor pusat dan 2 kantor cabang. Sesuai dengan strategi Bank 2 branch offices. Aligned with the Bank’s strategy of utilizing digital
yang mendayagunakan teknologi digital, Bank tidak melakukan technology, there are no plans to expand the operational network
ekspansi terhadap jaringan kerja, maupun pembukaan jaringan or establish new office locations throughout 2023.
kantor yang baru sepanjang tahun 2023.
Guna mendapatkan penyedia barang dan/atau jasa sesuai To ensure alignment with the Bank’s requirements, Allo Bank
dengan yang dibutuhkan Bank, Manajemen Allo Bank senantiasa Management always applied partner assessments through user
menerapkan penilaian rekanan yang dilakukan oleh user (pengguna evaluations (procurement users) on partner performance during
pengadaan) terhadap kinerja rekanan selama dalam proses the procurement process or post-procurement phase. These
pengadaan barang dan/atau jasa ataupun pada pasca pengadaan assessments cover various aspects including Price, Quality, Quantity,
barang dan/atau jasa yang meliputi Harga, Kualitas, Kuantitas, Waktu Delivery Time, and Service. Allo Bank is dedicated to offering fair
Pengiriman dan Pelayanan. Bank berkomitmen untuk memberikan opportunities to all partners/vendors as business collaborators,
kesempatan yang sama kepada seluruh rekanan/vendor sebagai fostering mutually beneficial, legal, and efficient partnerships while
mitra usaha, saling menguntungkan, legal dan efisien dengan tetap upholding GCG principles.
menjunjung tinggi prinsip-prinsip GCG.
Kepemilikan Direksi, Dewan Komisaris dan Ownership of Directors, Board of Commissioners
Pemegang Saham dalam Kelompok Usaha Bank and Shareholders in Bank Business Groups
Bank telah memiliki Pedoman dan Tata Tertib Kerja Direksi serta The Bank has Guidelines and Work Rules for the Board of
Pedoman dan Tata Tertib Kerja Dewan Komisaris yang didalamnya Directors as well as Guidelines and Work Rules for the Board of
mengatur mengenai kepemilikan saham dalam kelompok usaha Commissioners which regulate share ownership within the Bank’s
Bank terkait aspek transparansi dan larangan bagi Anggota Direksi business group regarding aspects of transparency and prohibitions
yang sesuai dengan POJK No. 17 Tahun 2023, yaitu: for members of the Board of Directors in accordance with POJK
No. 17 of 2023, namely:
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1. Terkait aspek transparansi, Anggota Direksi dan Komisaris wajib 1. Regarding the transparency, members of the Board of Directors
mengungkapkan: and Commissioners are required to disclose:
a. kepemilikan saham yang mencapai 5% (lima persen) atau a. Share ownership of 5% (five percent) or more, both
lebih, baik pada Bank yang bersangkutan maupun pada within the Bank and in other banks and companies, both
bank dan perusahaan lain, yang berkedudukan di dalam domestically and internationally;
dan di luar negeri;
b. hubungan keuangan dan hubungan keluarga dengan b. Financial and family relationships with other members
anggota Direksi lain, anggota Dewan Komisaris dan/atau of the Board of Directors, members of the Board of
pemegang saham pengendali Bank; Commissioners, and/or controlling shareholders of the Bank;
c. Remunerasi dan fasilitas yang diterima dari Bank c. Remuneration and benefits received from the Bank as
sebagai grup. a group.
2. Terkait larangan bagi Direksi, yaitu Anggota Direksi baik secara 2. Regarding prohibitions on Directors, members of the Board
sendiri-sendiri atau bersama-sama dilarang memiliki saham of Directors, either individually or collectively, are prohibited
melebihi 25% (dua puluh lima persen) dari modal disetor pada from owning shares exceeding 25% (twenty-five percent) of
suatu perusahaan lain. the paid-up capital in another company.
Perubahan-Perubahan Penting yang Terjadi Pada Important Changes that Occurred in Bank and Bank
Bank dan Kelompok Usaha Bank di Tahun Berjalan Business Groups in the Current Year
Sepanjang tahun 2023, tidak terdapat perubahan penting yang Throughout 2023, no significant changes occurred in the Bank and
terjadi pada Bank dan kelompok usaha Bank yang bersifat material the Bank’s business groups that would have a significant impact
yang memberikan dampak secara signifikan baik secara kinerja on both financial and operational performance.
keuangan maupun operasional.
Hal-Hal Penting yang Diperkirakan Terjadi Pada Important Matters that are Expected to Occur in the
Masa Mendatang Future
Perkembangan usaha Bank terkait dengan dinamika perekonomian The development of the Bank’s business is related to economic
yang di masa mendatang tergantung pada dinamika yang terjadi di dynamics, which in the future depends on the current year’s
tahun berjalan. Secara material, Bank belum dapat menyampaikan developments. As of now, the Bank has not identified any significant
hal-hal penting yang diperkirakan terjadi pada masa mendatang. matters expected to occur in the future. However, in the first quarter
Pada kuartal pertama 2024, Indonesia dihadapkan dengan of 2024, Indonesia will face a major political celebration, namely
hajatan politik besar, yaitu pemilu Capres dan Legislatif. Situasi the presidential and legislative elections. It is hoped that this
yang berlangsung kondusif diharapkan membawa sentimen positif conducive situation will bring positive sentiment to the business
terhadap iklim usaha, khususnya perbankan. climate, particularly in the banking sector.
Pengembangan Sumber Daya Manusia Bank Human Resources Development
Hingga akhir tahun 2023, Bank mempekerjakan sebanyak As of the end of 2023, the Bank employs 380 employees. The bank
380 karyawan. Allo Bank memberikan kesempatan yang sama ensures equal opportunities for all employees to foster an innovative
kepada seluruh pekerja untuk bisa mewujudkan organisasi yang and adaptable organizational culture by providing avenues for
inovatif dan adaptif terhadap perubahan dengan memberikan enhancing their skills and capacities. This competency development
seluruh karyawan kesempatan dalam meningkatkan kualitas dan initiative aims to cultivate talents capable of generating sustainable
kapasitasnya. Pengembangan kompetensi ini diharapkan dapat innovations, particularly in digital products and services. This is done
berdampak pada kualitas talenta-talenta yang memiliki kemampuan by conducting educational programs and developing employee
untuk menciptakan inovasi secara berkelanjutan, terutama terkait competencies on an ongoing basis.
produk dan layanan secara digital. Hal tersebut dilakukan dengan
menjalankan program pendidikan dan pengembangan kompetensi
karyawan secara berkesinambungan.
Seluruh karyawan Allo Bank didorong untuk memiliki integritas All employees at Allo Bank are encouraged to demonstrate high
yang tinggi, agility dalam bekerja dengan berpegang kepada Nilai integrity and agility in their work, guided by the bank’s Core
Inti Bank sebagai landasan perilaku sehari-hari. Selain itu, seluruh Values. Moreover, the bank’s entire HR management process
proses pengelolaan SDM di Allo Bank dilandasi pada peraturan adheres to statutory regulations and incorporates best practices
perundang-undangan dan best practices pada pengelolaan SDM, in HR management, both domestically and internationally. These
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baik domestik maupun internasional. Komitmen-komitmen tersebut commitments are evident in the implementation of HR training and
dibuktikan dengan penyelenggaraan pelatihan dan pengembangan development programs, which follow a comprehensive framework
SDM yang dilakukan dengan mengacu pada kerangka pelatihan covering various aspects and development methods for all bank
dan pengembangan yang mencakup seluruh aspek dan metode employees. As of December 2023, the bank has conducted
pengembangan bagi seluruh SDM Bank. Hingga akhir Desember numerous education and training programs for its employees.
2023, Bank telah menyelenggarakan berbagai program pendidikan
dan pelatihan kepada karyawan.
Apresiasi Appreciation
Atas capaian kinerja di tahun 2023, izinkan Direksi menyampaikan For the performance achievements in 2023, the Board of
rasa hormat dan terima kasih kepada Dewan Komisaris, atas Directors extends its sincere respect and gratitude to the Board of
pengawasan dan nasehat yang diberikan kepada Direksi dalam Commissioners for their supervision and valuable advice in guiding
menjalankan kepengurusan Bank. Direksi juga mengucapkan terima the management of the Bank. The Board of Directors also wishes
kasih atas kepercayaan yang telah diberikan pemegang saham, to express gratitude to shareholders, customers, suppliers, and
nasabah, pemasok, dan mitra usaha, atas kerjasama yang telah business partners for their trust and collaboration throughout the
tercipta. Direksi atas nama Manajemen Bank juga mengucapkan year. On behalf of the Bank’s Management, the Board of Directors
terimakasih yang sebesar-besarnya kepada Regulator khususnya extends deepest appreciation to regulators, especially the Financial
Otoritas Jasa Keuangan (OJK) dalam dukungannya terhadap Allo Services Authority (OJK), for their continuous support, particularly
Bank terutama dalam hal perizinan, dan pengawasan yang diberikan. in licensing and supervision matters. To all AlloBankers personnel,
Kepada seluruh insan AlloBankers, Direksi menyampaikan apresiasi the Board of Directors conveys its utmost appreciation for their
setinggi-tingginya atas kerja keras dan dedikasi yang diberikan. hard work and dedication. With collective efforts, it is hoped that
Semoga Allo Bank dapat terus memaksimalkan kemampuannya Allo Bank will continue to maximize its capabilities and achieve
dan tumbuh secara berkelanjutan di masa yang akan datang. sustainable growth in the future.
Jakarta, April 2024
Indra Utoyo
Direktur Utama | President Director
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Surat Pernyataan Anggota Dewan Komisaris dan Direksi
Tentang Tanggung Jawab atas Laporan Tahunan 2023
PT Allo Bank Indonesia Tbk
Responsibility Statement of The Board of Commissioners and Board of Directors
for 2023 Annual Report of PT Allo Bank Indonesia Tbk
Kami yang bertanda tangan di bawah ini menyatakan bahwa semua We, the signatories, hereby stated that all information contained in
informasi dalam Laporan PT Allo Bank Indonesia Tbk tahun 2023 the 2023 Annual Report of PT Allo Bank Indonesia Tbk has been
telah dimuat secara lengkap dan bertanggung jawab penuh atas comprehensively presented and that we are fully accountable for
kebenaran isi Laporan Tahunan Perseroan. the accuracy of the contents of the Company’s Annual Report.
Demikian pernyataan ini dibuat dengan sebenarnya This statement is made truthfully.
Jakarta, April 2024 Jakarta, April 2024
Dewan Komisaris | Board of Commissioners
Aviliani Ali Gunawan Rosmaya
Komisaris Utama Independen Komisaris Komisaris Independen
Independent President Commissioner Commissioner Independent Commissioner
Direksi | Board of Directors
Indra Utoyo
Direktur Utama
President Director
Ari Yanuanto Asah Arief Tendeas
Direktur Keuangan, Operasional dan Human Capital Direktur Bisnis
Director of Finance, Operations and Human Capital Business Director
Ganda Raharja Rusli Sajal Bhatnagar
Direktur Manajemen Risiko, Kepatuhan & Hukum Direktur Digital
Director of Risk, Compliance & Legal Digital Director
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03
Profil
Perusahaan
Company Profile
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Informasi Umum dan
Identitas Perusahaan
General Information and
Company Identity
Nama Perusahaan
Company Name PT Allo Bank Indonesia Tbk
Nama Panggilan
Company Nickname Allo Bank
Bidang Usaha Menjalankan kegiatan usaha di bidang perbankan sesuai dengan Anggaran Dasar No. 242 tanggal 21 Oktober 1992
Line of Business Conducting business activities in banking with reference to Article of Association No. 242 dated October 21, 1992
Perubahan Nama • 1992 - PT Bank Arta Griya Status Perusahaan Perusahaan Terbatas/
Name Changes Company Status Perusahaan Publik
• 1993 - PT Bank Harda Griya
Limited Company/
• 1996 - PT Bank Harda Internasional Public Company
• 2015 - PT Bank Harda Internasional Tbk
Tanggal Pendirian 10 Februari 1993
• 2021 - PT Allo Bank Indonesia Tbk
Date of Establishment February 10, 1993
Dasar Hukum Pendirian Jumlah Pegawai 380 orang / people (2023)
Legal Basis of Establishment Number of Employees 264 orang / people (2022)
2023
Akta No. 242 tanggal 21 Oktober 1992 notaris Ny.
2022
Poerbaningsih Adi Warsito. Akta notaris No. 181 tanggal
16 Januari 1993 masih dengan notaris yang sama dengan
surat izin operasi sebagai bank umum pada tanggal 8
Jumlah Aset 2023
September 1994 dengan nama Bank Harda Griya sesuai
surat Keputusan Menteri Keuangan Republik Indonesia No. Total Assets as of 2023 Rp12.750.434.573.380
455/KMK.017/1994.
Deed No. 242 dated October 21, 1992 by notary Mrs.
Modal Dasar
Poerbaningsih Adi Warsito. Notarial Deed No. 181 dated
Authorized Capital Rp4.000.000.000.000
January 16, 1993, done with the same notary, as a permit to
operate as a commercial bank on September 8, 1994 under
the name Bank Harda Griya in accordance with the Decree
of the Minister of Finance of the Republic of Indonesia No. Modal Ditempatkan
455/KMK.017/1994. Issued Capital Rp2.173.025.644.200
Pencatatan Saham Bursa Efek Indonesia (BEI) tanggal 12 Agustus 2015
Share Listing Date Indonesia Stock Exchange on August 12, 2015
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Kode Saham Entitas Anak -
Stock Code Subsidiaries
BBHI Pasar yang Dilayani
Market(s) Served
Domestik (Indonesia)
Domestic (Indonesia)
Kepemilikan Saham Data Jaringan Kantor 2023 • 1 Kantor Pusat / Head Office
Share Ownership Office Network in 2023 • 2 Kantor Cabang / Branch Offices
Kepemilikan Saham Perusahaan per 31 Desember 2023:
• PT Mega Corpora: 60,9% / 13.228.508.531 lembar saham Alamat Kantor Pusat Menara Bank Mega Lt. 5 dan 6
• PT Bukalapak.com Tbk: 11,5% / 2.497.816.903 lembar saham Head Office Address Jl. Kapten P. Tendean No. 12-14A,
• Abadi Investments Pte. Ltd.: 7% / 1.521.117.930 lembar saham Jakarta 12790
• PT Indolife Investama Perkasa: 6% / 1.303.815.386 lembar saham Telp.: 62-21 5098 1399 (Hunting)
• Masyarakat: 14,6% / 3.178.997.692 lembar saham
Company Share Ownership as of December 31, 2023: Situs Web
• PT Mega Corpora: 60.9% / 13,228,508,531 shares Website www.allobank.com
• PT Bukalapak.com Tbk: 11.5% / 2,497,816,903 shares
• Abadi Investments Pte. Ltd.: 7% / 1,521,117,930 shares
• PT Indolife Investama Perkasa: 6% / 1,303,815,386 shares
• Public: 14.6% / 3,178,997,692 shares Call Center
Call Center 080 4110 4110
Whistleblowing Channel Website: https://www.allobank.com/about-us/corporate-governance
Whistleblowing Channel Email: whistleblow@allobank.com
Akun Media Sosial AlloBankID @AlloBankID @allobank Allo Bank Indonesia @allobankid Allo-bank
Social Media Accounts
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Riwayat Singkat
Perusahaan
Brief History of the Company
Sekilas tentang Perusahaan Company at a Glance
PT Allo Bank Indonesia Tbk (selanjutnya disebut Allo PT Allo Bank Indonesia Tbk (hereinafter referred to as
Bank atau Bank) didirikan pada tahun 1992 dengan Allo Bank or Bank) was founded in 1992 under the name
nama PT Bank Arta Griya berdasarkan Akta Pendirian PT Bank Arta Griya based on Deed of Establishment No.
No. 242 tanggal 21 Oktober 1992 yang dibuat di 242 dated October 21, 1992 made before Poerbaningsih
hadapan Poerbaningsih Adi Warsito, S.H., Notaris Adi Warsito, S.H., Notary in Jakarta.
di Jakarta.
Di tahun 1993, PT Bank Arta Griya mengalami In 1993, PT Bank Arta Griya changed its name to PT
perubahan nama menjadi PT Bank Harda Griya Bank Harda Griya based on Deed of Amendment No.
berdasarkan Akta Perubahan No. 181 Tanggal 16 Januari 181 Dated January 16, 1993 made before Poerbaningsih
1993 yang dibuat di hadapan Poerbaningsih Adi Warsito Adi Warsito S.H., Notary in Jakarta. This deed has
S.H., Notaris di Jakarta. Akta tersebut telah memperoleh obtained approval from the Minister of Justice of the
pengesahan dari Menteri Kehakiman Republik Indonesia Republic of Indonesia based on Decree No. C2-895.
berdasarkan Surat Keputusan No. C2-895. HT.01.01. HT.01.01. TH.93 dated February 10, 1993, and was
TH.93 tanggal 10 Februari 1993, dan telah didaftarkan registered at the Registrar’s Office of the South Jakarta
pada Kepaniteraan Pengadilan Negeri Jakarta Selatan District Court No. 127/A/PT/HKM/1993/PN.JAK.SEL
No. 127/A/PT/HKM/1993/PN.JAK.SEL tanggal 12 dated February 12, 1993, and has been published in
Februari 1993, serta telah diumumkan dalam Berita the State Gazette of the Republic of Indonesia No. 25
Negara Republik Indonesia No. 25 Tanggal 27 Maret Dated March 27, 1993, Supplement to the State Gazette
1993, Tambahan Berita Negara Republik Indonesia of the Republic of Indonesia No. 1316. Furthermore,
No. 1316. Selanjutnya di tahun 1996, Bank kembali in 1996, the Bank had another name changed from
mengalami perubahan nama dari PT Bank Harda PT Bank Harda Griya to PT Bank Harda Internasional
Griya menjadi menjadi PT Bank Harda Internasional based on Deed No. 23 dated December 10, 1996 which
berdasarkan Akta No. 23 tanggal 10 Desember 1996 was made before Triphosa Lily Ekadewi, S.H., Notary
yang dibuat di hadapan Triphosa Lily Ekadewi, S.H., in Ciputat and obtained approval from the Minister of
Notaris di Ciputat dan telah mendapatkan persetujuan Justice of the Republic of Indonesia based on Decree
dari Menteri Kehakiman Republik Indonesia berdasarkan No. C2-1473.HT.01.04.TH.97 dated September 25, 1997.
Keputusan No. C2-1473.HT.01.04.TH.97 tanggal 25
September 1997.
Setelah lebih dari 2 (dua) dekade, Bank selanjutnya After more than 2 (two) decades, the Bank took
mengambil langkah strategis dengan melakukan strategic steps by conducting an Initial Share Offering
Penawaran Saham Perdana di Bursa Efek Indonesia on the Indonesia Stock Exchange in 2015. Through
pada tahun 2015 sehingga menjadikan Bank berubah these offering, the Bank changed its status to a public
statusnya menjadi perusahaan terbuka dengan nama PT company under the name PT Bank Harda Internasional
Bank Harda Internasional Tbk. Perubahan ini dinyatakan Tbk. These changes were stated in the Deed of Minutes
dalam Akta Berita Acara Rapat Umum Pemegang of the Extraordinary General Meeting of Shareholders
Saham Luar Biasa No. 31 tanggal 18 Maret 2015 yang No. 31 dated March 18, 2015 which was made before
dibuat di hadapan Edward Suharjo Wiryomartani., S.H., Edward Suharjo Wiryomartani., S.H., M.Kn., Notary
M.Kn., Notaris di Jakarta Barat dan telah memperoleh in West Jakarta and received the Notification of
Penerimaan Pemberitahuan Perubahan Anggaran Amendments to the Articles of Association from the
Dasar dari Menkumham melalui Surat No. AHU- Minister of Law and Human Rights through Letter No.
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AH.01.03-0017606 tanggal 19 Maret 2015. Pencatatan saham AHU-AH.01.03-0017606 dated March 19 2015. The aim of listing
di BEI ini bertujuan untuk memperkuat struktur keuangan dan shares on the IDX is to strengthen the financial structure and
meningkatkan daya saing usaha di dunia perbankan. increase business competitiveness in the banking world.
Pada tahun 2021, PT Bank Harda Internasional Tbk resmi diakuisisi In 2021, PT Bank Harda Internasional Tbk was officially acquired
oleh PT Mega Corpora. Setelah mendapat persetujuan dari Otoritas by PT Mega Corpora. After obtaining approval from the Financial
Jasa Keuangan, pada Juni 2021, PT Bank Harda Internasional Services Authority, in June 2021, PT Bank Harda Internasional
Tbk resmi berganti nama menjadi PT Allo Bank Indonesia Tbk. Tbk officially changed its name to PT Allo Bank Indonesia Tbk.
Perubahan nama tersebut dinyatakan dalam Akta Perubahan The name change is stated in the Deed of Amendment to the
Anggaran Dasar No. 1 tanggal 2 Juni 2021 yang dibuat di hadapan Articles of Association No. 1 dated June 2, 2021 which was made
Dharma Akhyuzi, S.H., Notaris di Jakarta, dan akta tersebut telah before Dharma Akhyuzi, S.H., Notary in Jakarta, and the deed was
memperoleh persetujuan dari Menkumham No. AHU-0031692. approved by the Minister of Law and Human Rights No. AHU-
AH.01.02 tahun 2021 tanggal 2 Juni 2021. Perubahan nama menjadi 0031692.AH.01.02 of 2021 dated June 2, 2021. The name change
PT Allo Bank Indonesia Tbk telah mendapat persetujuan dari Otoritas to PT Allo Bank Indonesia Tbk has received approval from the
Jasa Keuangan berdasarkan Keputusan Deputi Dewan Komisioner Financial Services Authority based on Decree of the Deputy Board
Pengawas Perbankan I Otoritas Jasa Keuangan No. KEP-48/PB- of Commissioners for Banking Supervision I of the Financial Services
1/2021 tanggal 30 Juni 2021 tentang Penetapan Penggunaan Izin Authority No. KEP-48/PB-1/2021 dated June 30, 2021 concerning
Usaha Atas Nama PT Bank Harda Internasional Tbk Menjadi Izin Stipulation of Using of a Business License on behalf of PT Bank
Usaha Atas Nama PT Allo Bank Indonesia Tbk. Harda Internasional Tbk to Become a Business License on behalf
of PT Allo Bank Indonesia Tbk.
Sejak grand launching pada 20 Mei 2022, PT Allo Bank Indonesia Since its grand launch on May 20 2022, PT Allo Bank Indonesia
Tbk telah berkembang menjadi bank umum berbasis layanan digital Tbk has developed into a leading digital service-based commercial
terkemuka dengan melayani 7,6 juta nasabah per akhir tahun 2023. bank serving 7.6 million customers as of the end of 2023. Allo Bank
Untuk produk dan layanan, Allo Bank menawarkan berbagai produk offers a variety of innovative digital banking products and services
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Company Profile
dan layanan perbankan digital yang inovatif termasuk Allo Pay, Allo including Allo Pay, Allo Pay+, Allo Prime, Allo Grow, PayLater and
Pay+, Allo Prime, Allo Grow, PayLater dan Instant Cash. Nama “Allo” Instant Cash. The name “Allo” is an abbreviation of All in One, which
merupakan singkatan dari All in One, yang mewujudkan aspirasi reflecting the Bank’s aspirations for its customers to Experience a
Bank bagi nasabahnya untuk Experience a Simple Life. Selain itu, Simple Life. In addition, Allo Bank is a subsidiary of CT Corpora, a
Allo Bank adalah anak perusahaan dari CT Corpora, sebuah grup leading consumer-focused integrated business group in Indonesia
bisnis terintegrasi terkemuka yang berfokus pada konsumen di with various businesses in financial services, media, retail, lifestyle
Indonesia dengan beragam usaha di layanan keuangan, media, and entertainment.
ritel, gaya hidup dan hiburan.
Sejak berdiri hingga tahun 2022, anggaran dasar Allo Bank telah From the date of its establishment until 2022, Allo Bank’s Articles of
beberapa kali mengalami perubahan dan terakhir kali diubah Association have been amended several times. The last amendment
berdasarkan hasil RUPS Luar Biasa yang diselenggarakan pada was based on the results of an Extraordinary General Meeting of
tanggal 15 Oktober 2021, sebagaimana yang dimuat dalam Akta Shareholders held on October 15, 2021, as contained in Deed of
Perubahan Anggaran Dasar No. 05 tanggal 15 Oktober 2021 Amendment to the Articles of Association No. 05 dated October
dibuat di hadapan Dharma Akhyuzi, S.H., Notaris di Jakarta, yang 15, 2021, which was made before Dharma Akhyuzi, S.H., a Notary
telah memperoleh persetujuan dari Menkumham dengan Surat in Jakarta, and has obtained approval from the Minister of Law
Keputusan No. AHU-0057224.AH.01.02. dan telah didaftarkan and Human Rights through Decree No. AHU-0057224.AH.01.02.
dalam Daftar Perseroan No. AHU-0179558.AH.01.11. Tahun 2021 Year 2021 dated October 15, 2021, and has been registered in
tanggal 15 Oktober 2021, dimana Para Pemegang Saham Perseroan the Company Register No. AHU-0179558.AH.01.11.Year 2021
menyetujui untuk mengubah anggaran dasar Perseroan yaitu dated October 15, 2021, where the Company’s Shareholders
Peningkatan modal dasar Perseroan dari sebelumnya sebesar agreed to amend the Company’s Articles of Association,
Rp1.600.000.000.000,- (satu triliun enam ratus miliar Rupiah) specifically increasing the Company’s authorized capital from the
terdiri atas 16.000.000.000 (enam belas miliar) lembar saham previous IDR1,600,000,000,000 (one trillion six hundred billion
menjadi sebesar Rp4.000.000.000.000,- (empat triliun Rupiah) Rupiah) consisting of 16,000,000,000 (sixteen billion) shares
terdiri atas 40.000.000.000 (empat puluh miliar) lembar saham, to IDR4,000,000,000,000 (four trillion Rupiah) consisting of
dengan demikian mengubah Pasal 4 ayat 1 Anggaran Dasar 40,000,000,000 (forty billion) shares. This led to an amendment
Allo Bank. of Article 4 paragraph 1 of Allo Bank’s Articles of Association.
Di tahun 2023, Allo Bank juga melakukan perubahan Anggaran In 2023, Allo Bank also made amendment to its Articles of
Dasar yang telah disahkan melalui Akta No. 01 tanggal 14 Juni Association which were ratified through Deed No. 01 dated June
2023 yang dibuat di hadapan Dharma Akhyuzi, S.H., Notaris di 14, 2023 which was made before Dharma Akhyuzi, S.H., Notary in
Jakarta yang telah memperoleh persetujuan dari Menteri Hukum Jakarta and approved by the Minister of Law and Human Rights
dan Hak Asasi Manusia Republik Indonesia dengan Surat Keputusan of the Republic of Indonesia through Decree No. AHU-0039698.
No. AHU-0039698.AH.01.02.Tahun 2023 tanggal 12 Juli 2023 AH.01.02. Year 2023 dated July 12, 2023 and has been registered
dan telah didaftarkan dalam Daftar Perseroan No. AHU-0131254. in the Company Register No. AHU-0131254.AH.01.11 dated July 12,
AH.01.11 tanggal 12 Juli 2023. Perubahan tersebut disesuaikan 2023. These changes are adjusted to the provisions of applicable
dengan ketentuan peraturan perundang-undangan di sektor laws and regulations in the banking sector and capital markets,
Perbankan dan pasar Modal yang berlaku, yaitu diantaranya namely the applicable Law of the Republic of Indonesia Number 4
Undang-Undang Republik Indonesia Nomor 4 Tahun 2023 of 2023 concerning the banking sector and capital markets., namely
tentang di sektor Perbankan dan pasar Modal yang berlaku, yaitu Law of the Republic of Indonesia Number 4 of 2023 concerning
diantaranya Undang-Undang Republik Indonesia Nomor 4 Tahun Development and Strengthening of the Financial Sector with the
2023 tentang Pengembangan dan Penguatan Sektor Keuangan purpose of adjusting to the Company’s business activities and
untuk penyesuaian kegiatan usaha Perseroan dan Peraturan otoritas Financial Services Authority Regulation Number 55/POJK.03/2016
Jasa Keuangan Nomor 55/POJK.03/2016 Tentang penerapan concerning the implementation of Governance for Commercial
Tata Kelola Bagi Bank umum untuk penyesuaian jumlah komposisi Banks with the purpose of adjusting to the number of members
anggota Direksi dan anggota Dewan Komisaris Perseroan. of the Board of Directors and member of the Company’s Board
of Commissioners.
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Informasi
Perubahan Nama
Change of Name Information
Tanggal Efektif
Nama Alasan Perubahan Perubahan Nama
No.
Name Reason for Change Effective Date of Name
Change
Berawal dengan nama PT Bank Arta Griya.
1. PT Bank Arta Griya 1992
Started off with the name PT Bank Arta Griya.
Mengikuti arahan Pemegang Saham dan Manajemen Bank.
2. PT Bank Harda Griya 1993
Following the direction of Shareholders and Bank Management.
Mengikuti arahan Pemegang Saham dan Manajemen Bank.
3. PT Bank Harda Internasional 1996
Following the direction of Shareholders and Bank Management.
Melakukan Penawaran Saham Perdana (IPO)/mencatatkan
sahamnya di Bursa Efek Indonesia. Dengan begitu, PT Bank Harda
Internasional berubah status menjadi perusahaan terbuka atau
menjadi PT Bank Harda Internasional Tbk.
4. PT Bank Harda Internasional Tbk 2015
Carried out an Initial Public Offering (IPO)/listed the Company’s
shares on the Indonesia Stock Exchange. Through this, PT Bank
Harda Internasional changed its status to become a public
company, specifically, PT Bank Harda Internasional Tbk.
PT Bank Harda Internasional Tbk resmi diakuisisi oleh PT Mega
Corpora. Setelah mendapat persetujuan dari Otoritas Jasa
Keuangan, pada Juni 2021, PT Bank Harda Internasional Tbk resmi
berganti nama menjadi PT Allo Bank Indonesia Tbk.
5. PT Allo Bank Indonesia Tbk 2021
PT Bank Harda Internasional Tbk was officially acquired by PT
Mega Corpora. After obtaining approval from the Financial Services
Authority, PT Bank Harda Internasional Tbk officially changed its
name to PT Allo Bank Indonesia Tbk in June 2021.
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Jejak Langkah
Allo Bank
Allo Bank Milestones
1992 1994 2021
Berawal dengan nama Memulai operasional bank • Maret: PT Bank Harda
PT Bank Arta Griya untuk pertama kalinya Internasional Tbk resmi diakuisisi
oleh PT Mega Corpora
The Bank was established with Commenced banking • Juni: Setelah mendapat
the name PT Bank Arta Griya operations for the first time persetujuan dari Otoritas Jasa
Keuangan, pada Juni 2021, PT
Bank Harda Internasional Tbk
resmi berganti nama menjadi
PT Allo Bank Indonesia Tbk
1993 1996
• Juli: Right Issue (PUT
II) Rp750 miliar
• Agustus: Bank berganti
Berganti nama menjadi Berganti nama menjadi logo menjadi Allo Bank yang
PT Bank Harda Griya PT Bank Harda merefleksikan model bisnis
baru, adaptif dan relevan
sebelumnya bernama internasional (BHI)
dengan perkembangan saat ini
Bank Harda Changed its name to PT Bank khususnya dalam mendukung
Changed its name to PT Bank Harda Harda International (BHI) pertumbuhan inklusi ekonomi
Griya, which was previously named digital di Indonesia.
Bank Harda • November: Soft launch ke
40.000 karyawan CT Crop
2015
• March: PT Bank Harda
Internasional Tbk was officially
acquired by PT Mega Corpora
• June: After receiving approval
Melakukan Penawaran from the Financial Services
Saham Perdana (IPO) Authority, in June 2021, PT
Bank Harda Internasional Tbk
Carried out an Initial Stock Offering
officially changed its name to
(IPO)
PT Allo Bank Indonesia Tbk
• July: Rights Issue (PUT
II) IDR 750 billion
• August: Bank changed its logo
to Allo Bank which reflects a new
business model, adaptive and
relevant to current developments,
especially in supporting the
growth of digital economic
inclusion in Indonesia.
• November: Soft launch to
40,000 CT Crop employees
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2022 2023
Menjadi Bank Umum berbasis digital
dengan melayani lima juta nasabah dengan • Februari: Digital banking app terbanyak
menyediakan produk dan layanan perbankan diunduh periode Juni 2022 - Februari 2023
digital inovatif, terintegrasi dengan ekosistem • Mei: Allo Bank menyelenggarakan
yang memberikan solusi dan seamless Road to Allo Bank Fest 2023
customer experience bagi nasabah serta • Juli: Mendapatkan Sertifikasi
memberikan nilai tambah yang tinggi ISO/IEC 27001:2022
kepada seluruh pemangku kepentingan
• Agustus: Allo Bank menyambut
• Januari: Right Issue (PUT III)
HUT RI Ke-78 dengan meluncurkan
Rp4,8 triliun (Buku 3, KBMI 2)
• Mei: Allo Bank Grand Launching
Tabungan Flexible Allo Grow
dan Allo Bank Festival • September: Allo Bank meraih "The Best
• Juli: Relokasi kantor pusat Digital-Only Bank" dari The Asian Banker
ke Menara Bank Mega • September: Mendapatkan Rating Korporasi
idA dengan Stable Outlook dari PT
Become the best digital-based commercial bank Pemeringkat Efek Indonesia (Pefindo)
that serves five million customers. The Bank
• November: Allo Bank menyelenggarakan
offers customers with innovative digital banking
products and services that are integrated with Acara Meet and Greet yang bertajuk Allo Bank
ecosystems providing solutions and seamless Hangout: Untung Bareng Baekhyun (EXO)
customer experience for customers while • Desember: Allo Bank menutup tahun
extending high added value to all stakeholders. 2023 dengan 7,6 juta nasabah dan
• January: Rights Issue (PUT III) IDR
kinerja keuangan yang baik
4.8 trillion (Book 3, KBMI 2)
• May: Held Allo Bank Grand Launching
• February: The most downloaded digital banking
and Allo Bank Festival
app for the period of June 2022 - February 2023
• July: Relocation of head office
• May: Allo Bank held Road to Allo Bank Fest 2023
to Menara Bank Mega
• July: Obtained ISO/IEC 27001:2022 Certification
• August: Allo Bank celebrated the 78th
Independence Day of the Republic of Indonesia
by launching Allo Grow Flexible Savings
• September: Allo Bank won "The Best Digital-
Only Bank" from The Asian Banker
• September: Obtained an idA Corporate
Rating with the rate of Stable Outlook from
PT Pemeringkat Efek Indonesia (Pefindo)
• November: Allo Bank held a Meet and
Greet Event entitled Allo Bank Hangout:
Untung Bareng Baekhyun (EXO)
• December: Allo Bank closed the year 2023 with 7.6
million customers and good financial performance
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Company Profile
Kegiatan Usaha dan
Pasar yang Dilayani
Business Activities and Markets Served
Kegiatan Usaha Berdasarkan Anggaran Business Activities Based on the Articles of
Dasar Association
Berdasarkan Pasal 3 Anggaran Dasar Bank yang terakhir Based on Article 3 of the Bank’s Articles of Association,
diubah dan disahkan melalui Akta No. 01 tanggal 14 Juni which was last amended and ratified through Deed
2023 yang dibuat di hadapan Dharma Akhyuzi, S.H., No. 01 dated June 14, 2023 which was made before
Notaris di Jakarta yang telah memperoleh persetujuan Dharma Akhyuzi, S.H., Notary in Jakarta, and approved
dari Menteri Hukum dan Hak Asasi Manusia Republik by the Minister of Law and Human Rights of the
Indonesia dengan Surat Keputusan No. AHU-0039698. Republic of Indonesia with Decree No. AHU-0039698.
AH.01.02.Tahun 2023 tanggal 12 Juli 2023 dan telah AH.01.02.Year 2023 dated July 12, 2023 and has been
didaftarkan dalam Daftar Perseroan No. AHU-0131254. registered in the Company Register No. AHU-0131254.
AH.01.11 tanggal 12 Juli 2023. Maksud dan tujuan Bank AH.01.11 dated July 12, 2023. The aim and objective of
adalah melakukan usaha di bidang perbankan sesuai the Bank is to conduct business in the banking sector
dengan ketentuan peraturan perundang-undangan in accordance with the provisions of applicable laws
yang berlaku, serta optimalisasi pemanfaatan sumber and regulations. The Bank also aims to optimize the
daya yang dimiliki Bank untuk menghasilkan barang utilization of its resources to produce high-quality goods
dan/atau jasa yang bermutu tinggi dan berdaya saing and/or services with strong competitiveness, aiming to
kuat untuk mendapat/mengejar keuntungan guna generate profits and increase the value of the Bank by
meningkatkan nilai Bank dengan menerapkan prinsip- applying the principles of Limited Liability Companies.
prinsip Perseroan Terbatas.
Produk dan Layanan Products and Services
S e p a n j a n g ta h u n 2 0 2 3, B a n k s e n a n t i a s a Throughout 2023, the Bank continued to develop digital
mengembangkan layanan perbankan digital untuk banking services for savings and payment features,
tabungan dan fitur-fitur pembayaran, meliputi: including:
• Produk uang elektronik dengan branding Allo Pay • Electronic money products with Allo Pay and Allo
dan Allo Pay+ Pay+ branding
• Produk tabungan termasuk Allo Prime dan Allo • Savings products include Allo Prime and Allo Grow
Grow
• Deposito • Time Deposits
• Kredit digital dengan branding PayLater dan Instant • Digital credit with PayLater and Instant Cash
Cash branding
• Layanan Transfer Dana, tarik tunai tanpa kartu, top • Fund Transfer Services, cardless cash withdrawals,
up uang elektronik, pembayaran QRIS, layanan electronic money top ups, QRIS payments, biller
pembayaran biller dan program loyalty berupa payment services and loyalty programs in the form
Membership, Point dan Coupon (MPC). of Membership, Points and Coupons (MPC).
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Peta Wilayah Usaha
Business Area Map
Sebagai perusahaan yang bergerak dalam bidang As a company operates in the digital banking sector, the
perbankan digital, Bank memiliki 1 Kantor Pusat dan 2 Bank has 1 Head Office and 2 Branch Offices located
Kantor Cabang yang berlokasi di Jakarta. in Jakarta.
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Profil Perusahaan
Company Profile
Struktur Organisasi
Organizational structure
Allo Bank terus memperkuat struktur organisasinya guna mencapai Allo Bank continues to strengthen its organizational structure in
tujuan yang telah ditetapkan sejalan dengan dinamika bisnis yang order to achieve its stated goals in line with continuously developing
terus berkembang dan ketatnya persaingan di bidang perbankan business dynamics and intense competition in the digital banking
digital. Struktur organisasi Bank terakhir disahkan melalui Surat sector. The Bank’s organizational structure was most recently
Keputusan Direksi No. 080/DIRAB/23 tanggal 11 Oktober 2023. approved through Directors’ Decree No. 080/DIRAB/23 dated 11
di mana pada struktur organisasi terbaru ini terdapat perubahan October 2023 where in the latest organizational structure there is
penamaan unit kerja Human Capital guna mendukung percepatan a change in the naming of the Human Capital work unit to support
bisnis yang sesuai dengan tujuan Bank. Struktur organisasi Bank business acceleration in line with the Bank’s objectives. The Bank’s
di tahun 2023 dapat dilihat sebagai berikut: organizational structure in 2023 can be seen as follows:
Director of Business Director of Finance, Operations
Arief Tendeas & Human Capital
Ari Yanuanto Asah
Head of Credit Head of Business Planning, Head of Collection
Raja Pardede Facility & Vendor Management Sonya Rosmala
Rumiris F Sinaga
Head of Funding Head of Contact Center Head of Credit Operations
Ratna Wahyuningsih Agung Susilo Martina L J Ujung
Head of Treasury Head of Finance & Accounting Head of Network Operations
Bagus Razy S Hakim Aryanto Halawa Panji Permana
Branch Head of Process Management Head of Transaction
Nandy Chary Sandra Pramita Sari Processing & Monitoring
Muhammad Husni H Fazlan Asqolani
Head of Human Capital
Strategy & Services
Netty Delima
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Independent President Commissioner Commissioner Independent Commissioner
Aviliani Ali Gunawan Rosmaya Hadi
Risk Monitoring Committee, Audit Committee,
Remuneration & Nomination Committee
President Director
Indra Utoyo
1 Komite Asset dan Liabilitas (Asset & Liability Committee)
2 Komite Kredit (Credit Committee)
3 Komite Kebijakan Perkreditan (Credit Policy Committee)
4 Komite Manajemen Risiko (Risk Management Committee)
5 Komite Pengarah Teknologi Informasi (IT Steering Committee)
6 Komite Produk (Product Committee)
Director of Risk, Director of Digital Information & Technology
Compliance & Legal Sajal Bhatnagar Plt. Indra Utoyo
Ganda Raharja Rusli
Head of Cyber Risk Head of Digital Non-Lending Head of Application
Arief Noorman Product & Business Management
Boma Harahap Daniel Leonardo Niko
Head of Credit Risk Head of Digital Lending Head of Data Management
Joko Yuniarto Condro Product & Business Addie Baratha
Ricky Ansen
Head of Compliance, Anti- Head of Digital Strategy Head of Information Technology
money Laundering & Counter- Destya Danang Pradityo Infrastructure & Operation
terorist Financing Iswibowo
Dimas Hananto
Head of Growth Head of Information
Ferdi F Anggriawan Technology Security
Head of Enterprise,
Mochamad Riza Achrulah
Operational & Market Risk
Virna Medina
Head of Partnership &
Head of Legal Business Head of Information Technology
Bambang Wijayanto Easter B U Tobing Strategy & Governance
Rully Feranata
Credit Review & Creative Lab
Restructure
Head of Corporate Secretary &
Project Management Office
Stacy Suryoputro
Head of Internal Audit
Dani Bayu Angkat
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Profil Perusahaan
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Visi, Misi dan
Budaya Perusahaan
Vision, Mission, and Corporate Culture
Visi Misi
Vision Mission
Menjadi bank umum berbasis digital Menyediakan produk dan layanan
terbaik melalui aplikasi All-in-One perbankan digital inovatif terintegrasi
dengan memanfaatkan ekosistem untuk dengan ekosistem yang memberikan
memberikan nilai tambah yang sebesar- solusi dan seamless customer
besarnya bagi masyarakat dan bangsa. experience bagi nasabah serta
memberikan nilai tambah yang tinggi
Become the best digital-based commercial bank
kepada seluruh pemangku kepentingan.
through the All-in-One application by utilizing the
ecosystem to provide greatest added value for
Offering innovative digital banking products and
society and the nation.
services integrated with ecosystems that provides
solutions and seamless customer experience for
customers and extending high added value to
all stakeholders.
Review Visi dan Misi oleh Manajemen Management Review of Allo Bank Vision and Mission
Visi dan Misi Bank ditetapkan dan diberlakukan melalui kajian secara The Bank’s Vision and Mission are determined and implemented
berkala untuk memastikan relevansinya dengan perkembangan through regular reviews to ensure their relevance to developments
lingkungan bisnis Bank. Pernyataan terkait Visi dan Misi Bank in the Bank’s business environment. Statements related to the
yang tertuang dalam Rencana Bisnis Bank telah mendapatkan Bank’s Vision and Mission contained in the Bank’s Business Plan
persetujuan bersama dari Dewan Komisaris dan Direksi. Hingga saat have received approval from both the Board of Commissioners and
ini, Dewan Komisaris dan Direksi menilai bahwa pencapaian Visi Directors. To date, the Board of Commissioners and Directors assess
dan Misi Bank masih relevan dengan perkembangan dan kondisi that the achievement of the Bank’s Vision and Mission is still relevant
lingkungan bisnis tahun 2023 serta arah dan tujuan bisnis Bank. to the development and conditions of the business environment
in 2023 as well as the Bank’s business direction and objectives.
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Budaya Perusahaan
Corporate Culture
Bank berkomitmen untuk mengelola dan menjalankan The Bank is committed to managing and running its
bisnisnya dengan memegang teguh Nilai Inti Bank business by upholding the Bank’s Core Values, serving
yang berperan sebagai norma atau pedoman perilaku as norms or guiding principles for all Bank Personnel in
umum bagi seluruh Insan Bank dalam menjalankan conducting their daily activities. The Bank’s Core Values
aktivitasnya sehari-hari. Nilai Inti Bank memegang play an important role in supporting and realizing the
peranan penting dalam menopang dan mewujudkan Bank’s vision and mission through 7 (seven) core values
visi dan misi Bank melalui 7 (tujuh) nilai inti (core values) with the acronym “DIGITAL” which were launched in
dengan akronim “DIGITAL” yang diluncurkan pada awal early December 2022 through the Allo Temu program.
Desember 2022 melalui program Allo Temu. Nilai Inti The Bank’s Core Values are as follows:
Bank adalah sebagai berikut:
Data-driven Kami mengambil keputusan dan memecahkan masalah berdasarkan data dan informasi yang kredibel
We make decisions and solve problems based on credible data and information
Impact Kami memberikan solusi dan dampak positif kepada semua stakeholders
We provide solutions and positive impacts to all stakeholders
Growth Kami terus menerus tumbuh dan berkembang secara berkesinambungan untuk masa depan yang
lebih baik
We are continuously growing and developing on an ongoing basis for a better future
In harmony Kami bekerjasama dengan semua pihak secara harmonis yang berorientasi pada hasil
We work harmoniously with all parties in a result-oriented manner
Transparency Kami berperilaku jujur dan transparan dalam segala aspek pekerjaan
We behave honestly and transparently in all aspects of our work
Agility Kami tangkas beradaptasi terhadap semua perubahan yang terjadi
We are quick to adapt to all the changes that occur
Learning Kami terus belajar, berbagi dan menerapkan pengetahuan dan keterampilan baru untuk
mengembangkan kompetensi diri
We are constantly learning, sharing and applying knowledge and skills to develop self-competence
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Company Profile
Makna Logo dan
Motto Perusahaan
Meaning Behind the Company’s
Logo and Motto
Perubahan nama dan penggunaan logo perusahaan Changes to the name and use of the company logo
ditentukan dengan Surat Keputusan Direksi No. 044/ are determined by Directors’ Decree No. 044/DIRAB/21
DIRAB/21 tentang Perubahan nama menjadi PT Allo concerning Change of name to PT Allo Bank Indonesia
Bank Indonesia Tbk (Allo Bank). Tbk (Allo Bank).
Moto “All for One,
Motto One for All”
Merupakan misi kolaboratif untuk menemukan solusi, Represents a collaborative mission to find solutions,
tumbuh lebih kuat dan meraih mimpi hari esok yang grow stronger and achieve the dream of a brighter
lebih cerah bersama dengan semua pelanggan. tomorrow together with all customers.
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Sustainability Report 71
Profil
Dewan Komisaris
Board of Commissioners Profiles
Aviliani
Komisaris Utama Independen
Independent President Commissioner
Periode Jabatan Pertama
Term of Office First
Kewarganegaraan Indonesia
Citizenship Indonesia
Usia 62 tahun
Age 62 years old
Domisili Jakarta, DKI Jakarta, Indonesia
Domicile Jakarta, DKI Jakarta, Indonesia
Dasar Hukum Diangkat pertama kali sebagai Komisaris Utama Independen Allo She was appointed for the first time as Independent President
Pengangkatan Bank dalam Rapat Umum Pemegang Saham (RUPS) Tahunan Commissioner of Allo Bank at the Annual General Meeting of
Legal Basis for tahun buku 2021 tertanggal 19 Mei 2022 berdasarkan Akta Shareholders (GMS) for the 2022 fiscal year that took place
Appointment Pernyataan Keputusan Rapat No. 107 tanggal 16 Juni 2022 on May 19, 2022. This appointment was based on the Deed of
dan mendapatkan persetujuan Otoritas Jasa Keuangan (OJK) Annual General Meeting of Shareholders No. 107 dated June
melalui Keputusan Deputi Komisioner Pengawas Perbankan I 16, 2022 and has obtained approval from the Financial Services
Otoritas Jasa Keuangan No. KEP-24/PB.1/2022 tanggal 9 Juni Authority (OJK) through Decree of the Deputy Commissioner
2022 tentang Hasil Penilaian Kemampuan dan Kepatutan Sdri. of Banking Supervision I of the Financial Services Authority
Aviliani selaku Calon Komisaris Utama Independen PT Allo Bank No. Kep-24/PB.1/2022 dated June 9, 2022 concerning Results
Indonesia Tbk. of the Fit and Proper Test of Ms. Aviliani as the Independent
President Commissioner Candidate of PT Allo Bank
Indonesia Tbk.
Riwayat Pendidikan • S3, Manajemen Bisnis, Institut Pertanian Bogor • Doctorate Degree in Business Management, Bogor
Educational background (2006 - 2012) Agricultural Institute (2006-2012)
• S2, Ilmu Sosial Ilmu Politik, Universitas Indonesia • Master’s Degree, Social Science Political Science, University
(1992 - 1995) of Indonesia (1992-1995)
• S1, Ekonomi, Universitas Atma Jaya, Jakarta • Bachelor’s Degree, Economics, Atma Jaya University,
(1981 - 1985) Jakarta (1981-1985)
Sertifikasi • Refreshment Sertifikasi Manajemen Risiko, • Refreshment Certification of Risk Management,
Certifications Efektifpro, Jakarta (2023) Efektifpro, Jakarta (2023)
• Sertifikasi Manajemen Risiko level 2 khusus Komisaris • Risk Management Certification Level 2 for Commissioner
“Economic Outlook 2022; recovery during a Pandemic and “Economic Outlook 2022; recovery during a Pandemic
Integrating to Liquidity risk” yang diselenggarakan Maisari and Integrating to Liquidity risk”, held by Maisari Education,
Edukasi, Jakarta (2021) Jakarta (2021)
• Sertifikasi Manajemen Risiko level 2 khusus Komisaris yang • Risk Management Certification Level 2 for Commissioner
diselenggarakan BARA (2020) held by BARA (2020)
• Sertifikasi Manajemen Risiko level 2 khusus Komisaris yang • Risk Management Certification Level 2 for Commissioner
diselenggarakan InfoBank, Jakarta (2019) held by InfoBank, Jakarta (2019)
• Sertifikasi Manajemen Risiko level 2 khusus Komisaris • Risk Management Certification Level 2 for Commissioner
“Strengthening Infrastructures for Financial Crisis Resolution” “Strengthening Infrastructures for Financial Crisis Resolution”
yang diselenggarakan oleh LSPP, Jakarta (2018) held by LSPP, Jakarta (2018)
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Management Report
Profil Perusahaan
Company Profile
• Program Refreshment Enhancing The Power of Enterprise • Program Refreshment Enchancing The Power of Enterprise
Risk Financial Management in Creating a Sound Bank and Risk Financial Management in Creating a Sound Bank and
Risk Management yang diselenggarakan BARA, Stockholm Risk Management, held by BARA, Stockholm (2016)
(2016)
• Program Refreshment Key Risk Management Challenges • Key Risk Management Challenges Refreshment Program,
yang diselenggarakan BARA, Moscow (2014) held by BARA, Moscow (2014)
• Risk Management Certification Refreshment Program Beyond • Risk Management Certification Refreshment Program
Regulation yang diselenggarakan BARA, Turkey (2013) Beyond Regulation, held by BARA, Turkey (2013)
• Program Executive International Conference yang • Executive Program International Conference, held by BARA,
diselenggarakan BARA, London (UK) (2013) London (UK) (2013)
• Program Refreshment Survival in Crisis: “Enhancing Bank • Survival in Crisis Refreshment Program: “Enhancing Bank
Strategy and performance, Implementing BCM and Fraud Strategy and performance, Implementing BCM and Fraud
Prevention Process” yang diselenggarakan BARA, Tokyo - Prevention Process”, held by BARA, Tokyo-Japan (2012)
Jepang (2012)
• Executive Banking Forum: Financial Sector Expertise • Executive Banking Forum: Financial Sector Expertise
Exchange Program yang diselenggarakan Forum Belanda - Exchange Program, organized by the Dutch Indonesian
Indonesia, Amsterdam (2011) Forum, Amsterdam (2011)
• Sertifikasi Manajemen Risiko untuk Komisaris yang • Risk Management Certification for Commissioners held by
diselenggarakan oleh BSMR, Hongkong (2005) BSMR, Hongkong (2005)
Riwayat Pekerjaan • Komisaris Utama Independen PT Allo Bank Indonesia Tbk • President Commissioner concurrently as Independent
Employment History (Juni 2022 - sekarang) Commissioner of PT Allo Bank Indonesia Tbk (June 2022 -
present)
• Komisaris Independen PT Bank Mega Tbk (Februari 2018 - • Independent Commissioner of PT Bank Mega Tbk (February
Februari 2022) 2018 - February 2022)
• Komisaris Independen PT Aplikanusa Lintasarta (April 2017 • Independent Commissioner of PT Aplikanusa Lintasarta
- sekarang) (April 2017 - present)
• Komisaris Independen (Pejabat Eksekutif) dan Ketua Komite • Independent Commissioner (Executive Officer) and
Audit PT Bank Mandiri (Persero) Tbk (21 Mei 2014 - 14 Chairman of the Audit Committee of PT Bank Mandiri Tbk
Maret 2017) (May 21, 2014 - March 14, 2017)
• Komisaris Independen PT Dyandra (Desember 2012 - • Independent Commissioner of PT Dyandra (December 2012
Desember 2017) - December 2017)
• Komisaris Independen (Pejabat Eksekutif) PT Bank BRI Tbk • Independent Commissioner (Executive Officer) PT Bank BRI
(15 Mei 2005 - 21 Mei 2014) Tbk (May 15, 2005 - May 21, 2014)
• Staf Pengajar Perbanas Institute (10 Agustus 2010 - • Perbanas Institute Teaching Staff (August 10, 2010 - present)
sekarang)
• Sekretaris Komite Ekonomi Nasional (10 Oktober 2010 - 20 • Secretary of the National Economic Committee (October 10,
Oktober 2014) 2010 - October 20, 2014)
• Wakil Sekretaris KP3EI (10 November 2012 - 20 • Deputy Secretary of KP3EI (November 10, 2012 - October
Oktober 2014) 20, 2014)
• Ketua Jurusan Universitas Paramadina (20 Mei 2002 - 10 • Head of Department of Paramadina University (May 20,
Juni 2005) 2002 - June 10, 2005)
• Dosen/Pengajar STIE Perbanas (5 Maret 1989 - 20 • Lecturer/Teacher at STIE Perbanas (March 5, 1989 - April
April 2002) 20, 2002)
• Pembantu Ketua (PUREK II) STIE Perbanas (15 Juni 2000 - • Assistant Head (PUREK II) at STIE Perbanas (June 15, 2000
20 April 2002) - April 20, 2002)
• Wakil Direktur Penelitian dan Pengabdian STIE Perbanas (10 • Deputy Director of Research and Service at STIE Perbanas
Januari 1997 - 5 Desember 1999) (January 10, 1997 - December 5, 1999)
• Wakil Direktur Pengembangan Bisnis INDEF (10 Juni 1997 - • INDEF Deputy Business Development Director (June 10,
15 November 1999) 1997 - November 15, 1999)
Informasi Rangkap Komisaris Independen PT Aplikanusa Lintasarta (April 2017 - Independent Commissioner of PT Aplikanusa Lintasarta (April
Jabatan sekarang) 2017 - present)
Information on
Concurrent Positions
Hubungan Afiliasi Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, She has no affiliation with members of the Board of Directors,
Affiliate Relations anggota Dewan Komisaris lainnya, maupun dengan Pemegang other members of the Board of Commissioners, or with the
Saham Pengendali dan Utama. Controlling and Majority Shareholders.
Kepemilikan Saham Beliau tidak memiliki saham di PT Allo Bank Indonesia Tbk. She does not own shares in PT Allo Bank Indonesia Tbk.
Shareholding
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Rosmaya
Komisaris Independen
Independent Commissioner
Periode Jabatan Pertama
Term of Office First
Kewarganegaraan Indonesia
Citizenship Indonesia
Usia 64 tahun
Age 64 years old
Domisili Cinere, Depok, Jawa Barat, Indonesia
Domicile Cinere, Depok, West Java, Indonesia
Dasar Hukum Diangkat pertama kali sebagai Komisaris Independen Allo She was appointed for the first time as Independent
Pengangkatan Bank dalam Rapat Umum Pemegang Saham (RUPS) Tahunan Commissioner of Allo Bank at the Annual General Meeting of
Legal Basis for tahun buku 2022 tertanggal 19 Mei 2022 berdasarkan Akta Shareholders (GMS) for the 2022 fiscal year dated May 19, 2022
Appointment Berita Acara Rapat Umum Pemegang Saham Tahunan No. 107 based on the Deed of Minutes of the Annual General Meeting
tertanggal 16 Juni 2022 dan mendapatkan persetujuan OJK of Shareholders No. 107 dated June 16, 2022 and obtained
melalui No. Kep-41/PB.1/2022 tanggal 16 Agustus 2022 tentang OJK approval through No. Kep-41/PB.1/2022 dated August 16,
Hasil Penilaian Kemampuan dan Kepatutan Sdri. Rosmaya selaku 2022 concerning the Results of the Fit and Proper Assessment
Komisaris Independen PT Allo Bank Indonesia Tbk. of Ms. Rosmaya as Independent Commissioner of PT Allo Bank
Indonesia Tbk.
Riwayat Pendidikan • S2, Administrasi & Pengembangan SDM Universitas • Master’s Degree, Administration & Human Resource
Educational Background Indonesia (2004) Development, University of Indonesia (2004)
• S1, Hukum Perdata Universitas Padjadjaran (1984) • Bachelor’s Degree, Civil Law, Padjadjaran University (1984)
Sertifikasi • Refreshment Sertifikasi Manajemen Risiko, • Refreshment Certification of Risk Management,
Certifications Efektifpro, Jakarta (2023) Efektifpro, Jakarta (2023)
• Sosialisasi Peraturan Otoritas Jasa Keuangan tentang • Socialization of Financial Services Authority Regulations on
Penerapan Tata Kelola Bagi Bank Umum, OJK, Jakarta the Implementation of Governance for Commercial Banks,
(2023) OJK, Jakarta (2023)
• Risk And Governance Summit (RGS) Tahun 2023 • Risk And Governance Summit (RGS) 2023 Sustainable
Sustainable Governance Digital Transformation As A Game Governance Digital Transformation as A Game Changer
Changer Ethical Culture As Value Keeper, OJK, Jakarta Ethical Culture as Value Keeper, OJK, Jakarta (2023)
(2023)
• Women Transforming Leadership Programme yang • Women Transforming Leadership Program organized by the
diselenggarakan University of Oxford, Oxford - United University of Oxford, Oxford - United Kingdom (2017)
Kingdom (2017)
• The Effective Use of Power yang diselenggarakan Stanford • The Effective Use of Power held by Stanford University, San
University, San Francisco - United States (2016) Francisco - United States (2016)
• Personal Development yang diselenggarakan Look School, • Personal Development held by Look School, Bandung -
Bandung - Indonesia (2016) Indonesia (2016)
• Program Refreshment Eksekutif yang diselenggarakan Bank • Executive Refreshment Program held by Bank Indonesia,
Indonesia, Palangkaraya - Indonesia (2016) Palangkaraya - Indonesia (2016)
• Makroprudensial yang diselenggarakan Bank Indonesia, • Macroprudential held by Bank Indonesia, Jakarta - Indonesia
Jakarta - Indonesia (2015) (2015)
• Professional Excellence yang diselenggarakan Bank • Professional Excellence held by Bank Indonesia, Bandung -
Indonesia, Bandung - Indonesia (2015) Indonesia (2015)
• Building Winning Talents Through Performance Dialogue • Building Winning Talents Through Performance Dialogue
yang diselenggarakan Experd Pengembangan Kinerja held by Executive Performance Development Expert, Jakarta
Eksekutif, Jakarta - Indonesia (2015) - Indonesia (2015)
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Company Profile
• Leadership for Senior Managers: Special Edition for Women • Leadership for Senior Managers: Special Edition for Women
yang diselenggarakan Management Centre Europe, London held by Management Center Europe, London - England
- Inggris (2012) (2012)
• Payment Systems and Market Infrastructures yang • Payment Systems and Market Infrastructures organized by
diselenggarakan Institute - International Banking And the Institute - International Banking and Finance Institute,
Finance Institute, Paris - France (2012) Paris - France (2012)
• Leading The Culture Change yang diselenggarakan ESQ • Leading The Culture Change held by ESQ Leadership,
Leadership, Jakarta - Indonesia (2012) Jakarta - Indonesia (2012)
• PPRA Lemhanas yang diselenggarakan Lembaga • PPRA Lemhanas organized by the National Defense Institute
Pertahanan Nasional (LEMHANNAS, Jakarta - Indonesia (LEMHANNAS, Jakarta - Indonesia (2011)
(2011)
• Akt-Akuntansi Syariah yang diselenggarakan Lembaga • Sharia Act-Accounting organized by the Faculty of
Manajemen Fakultas Universitas Indonesia, Bandung - Management Institute, University of Indonesia, Bandung -
Indonesia (2011) Indonesia (2011)
• Effective Communications For Strengthening Interpersonal • Effective Communications For Strengthening Interpersonal
Relationship And Teamwork yang diselenggarakan Ns Relationships And Teamwork held by Ns Consulting &
Consulting & Training, Jakarta - Indonesia (2010) Training, Jakarta - Indonesia (2010)
• Diskusi dan Pelatihan Tax Planning untuk Bidang Logistik • Tax Planning Discussion and Training for the Logistics and
Dan Pengadaan Bank Indonesia yang diselenggarakan Procurement Sector of Bank Indonesia held by the Danny
Danny Darussalam Tax Center, Jakarta - Indonesia (2010) Darussalam Tax Center, Jakarta - Indonesia (2010)
• Targeted Selection Interviewing Skills yang diselenggarakan • Targeted Selection Interviewing Skills held by Daya Dimensi
Daya Dimensi Indonesia, Jakarta - Indonesia (2009) Indonesia, Jakarta - Indonesia (2009)
• Management-Risk Management With Special Emphasis • Management-Risk Management With Special Emphasis
On Business Continuity Planning In Central Banks yang On Business Continuity Planning In Central Banks held by
diselenggarakan Seacen Centre, Seoul - Korea Selatan Seacen Center, Seoul - South Korea (2007)
(2007)
• Payment System yang diselenggarakan Federal Reserve • Payment System organized by the Federal Reserve Bank of
Bank Of New York, New York - USA (2007) New York, New York - USA (2007)
• Team Building Program yang diselenggarakan Pelopor • Team Building Program organized by Pelopor Adventure
Adventure Camp, Bogor - Indonesia (2006) Camp, Bogor - Indonesia (2006)
• Sekolah Staf & Pimpinan Bank (Sekolah Kepemimpinan • Bank Staff & Leadership School (Bank Indonesia Highest
Tertinggi Bank Indonesia - SESPIBI) yang diselenggarakan Leadership School - SESPIBI) held by LPPM, Jakarta -
LPPM, Jakarta - Indonesia (2006) Indonesia (2006)
• Excellent Professional yang diselenggarakan Lembaga • Excellent Professional organized by the Duta Bangsa
Pendidikan Duta Bangsa, Jakarta - Indonesia (2004) Education Institute, Jakarta - Indonesia (2004)
• Management-IT Management For Non IT Executives yang • Management-IT Management for Non-IT Executives held by
diselenggarakan Bank Indonesia, Bandung - Indonesia Bank Indonesia, Bandung - Indonesia (2003)
(2003)
• Pelatihan Perbankan Syariah yang diselenggarakan Tazkia • Sharia Banking Training held by Tazkia Institute, Jakarta -
Institute, Jakarta - Indonesia (2002) Indonesia (2002)
• Mastering Public Relations Skills yang diselenggarakan • Mastering Public Relations Skills held by Experd (Executive
Experd (Pengembangan Kinerja Eksekutif), Jakarta - Performance Development), Jakarta - Indonesia (2002)
Indonesia (2002)
• Audit-Auditing For Internal Fraud yang diselenggarakan The • Audits for Internal Fraud held by The Financial Club, Jakarta
Financial Club, Jakarta - Indonesia (1997) - Indonesia (1997)
Riwayat Pekerjaan • Komisaris Independen PT Allo Bank Indonesia Tbk (Juni • Independent Commissioner of PT Allo Bank Indonesia Tbk
Employment History 2022 - sekarang) (June 2022 - present)
• Deputi Gubernur Bank Indonesia (2017 - 2022) • Deputy Governor of Bank Indonesia (2017 - 2022)
• Anggota Dewan Pengawas Independen ASPI (2022 - 2025) • Member of the ASPI Independent Supervisory Board (2022
- 2025)
• Kepala Perwakilan Bank Indonesia (2014 - 2016) • Chief Representative of Bank Indonesia (2014 - 2016)
• Kepala Grup - Kepala Departemen (Stk. Direktur Eksekutif) • Head of Group - Head of Department (Stk. Executive
Bank Indonesia (2012 - 2014) Director) of Bank Indonesia (2012 - 2014)
• Narasumber Payment System International Bank Indonesia • Bank Indonesia International Payment System Resource
(2009 - 2014) Person (2009 - 2014)
• Deputi Direktur Bank Indonesia (2007 - 2011) • Deputy Director of Bank Indonesia (2007 - 2011)
• Staf - Kepala Bagian Bank Indonesia (1985 - 2006) • Staff - Head of Bank Indonesia (1985 - 2006)
Informasi Rangkap Anggota Dewan Pengawas Independen ASPI (2022 - 2025) Member of the ASPI Independent Supervisory Board (2022 -
Jabatan 2025)
Information on
Concurrent Positions
Hubungan Afiliasi Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, She has no affiliation with members of the Board of Directors,
Affiliate Relations anggota Dewan Komisaris lainnya, maupun dengan Pemegang other members of the Board of Commissioners, or with the
Saham Pengendali dan Utama. Controlling and Majority Shareholders
Kepemilikan Saham Beliau tidak memiliki saham di PT Allo Bank Indonesia Tbk. She does not own shares in PT Allo Bank Indonesia Tbk.
Shareholding
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Ali Gunawan
Komisaris
Commissioner
Periode Jabatan Pertama
Term of Office First
Kewarganegaraan Indonesia
Citizenship Indonesia
Usia 60 tahun
Age 60 years old
Domisili Jakarta, DKI Jakarta, Indonesia
Domicile Jakarta, DKI Jakarta, Indonesia
Dasar Hukum Diangkat pertama kali sebagai Komisaris Allo Bank dalam Rapat He was appointed for the first time as Commissioner of Allo
Pengangkatan Umum Pemegang Saham (RUPS) Tahunan tahun buku 2021 Bank at the Annual General Meeting of Shareholders (GMS)
Legal Basis for tertanggal 7 Mei 2021 berdasarkan Akta Pernyataan Keputusan for the 2021 fiscal year dated May 7, 2021 based on Deed of
Appointment Rapat No. 23 tanggal 7 Mei 2021 dan mendapatkan persetujuan Minutes of Annual General Meeting of Shareholders No. 23
Otoritas Jasa Keuangan (OJK) melalui Keputusan Deputi dated May 7, 2021 and obtained approval from the Financial
Komisioner Pengawas Perbankan I Otoritas Jasa Keuangan No. Services Authority (OJK) through Decree of the Deputy
KEP-49/PB.1/2021 tanggal 13 Juli 2021 tentang Hasil Penilaian Commissioner of Banking Supervision I of the Financial Services
Kemampuan dan Kepatutan Sdr. Ali selaku Anggota Dewan Authority No. KEP-49/PB.1/2021 dated July 13, 2021 concerning
Komisaris PT Allo Bank Indonesia Tbk. Results of the Fit and Proper Test of Mr. Ali as the Commissioner
of PT Allo Bank Indonesia Tbk.
Riwayat Pendidikan S1, Ekonomi Akuntansi Universitas Trisakti (1994) Bachelor’s degree, Economics, Accounting, Trisakti University
Educational background (1994)
Sertifikasi • Refreshment Sertifikasi Manajemen Risiko, • Refreshment Certification of Risk Management,
Certifications Efektifpro, Jakarta (2023) Efektifpro, Jakarta (2023)
• Risk And Governance Summit (RGS) Tahun 2023 • Risk And Governance Summit (RGS) 2023 Sustainable
Sustainable Governance Digital Transformation As A Game Governance Digital Transformation As A Game Changer
Changer Ethical Culture As Value Keeper, OJK, Jakarta Ethical Culture As Value Keeper, OJK, Jakarta (2023)
(2023)
• Certification in Audit Committee Practices yang • Certification in Audit Committee Practices held by IKAI
diselenggarakan IKAI Indonesian Institute of Audit Indonesian Institute of Audit Committee, Jakarta (2020)
Committee, Jakarta (2020)
• Peranan GCG Dalam Sinergi Aerowisata Group: Bersama • The Role of GCG in Aerowisata Group Synergy: Together
Menghadapi Era Disrupsi yang diselenggarakan Good Facing the Era of Disruption held by Good Corporate
Corporate Governance (GCG) Aerowisata Group (2018) Governance (GCG) Aerowisata Group (2018)
• Various In-house Seminar/Training (banking, taxation, capital • Various In-house Seminar/Training (banking, taxation, capital
market dan lain-lain) yang diselenggarakan Arthur Andersen/ markets and others) held by Arthur Andersen/Ernst & Young,
Ernst & Young, Jakarta (2004) Jakarta (2004)
• Ernst & Young Global Audit Methodology yang • Ernst & Young Global Audit Methodology held by Ernst &
diselenggarakan Ernst & Young, Singapore (2002) Young, Singapore (2002)
• Partner Leadership Program yang diselenggarakan Arthur • Partner Leadership Program held by Arthur Andersen, Los
Andersen, Los Angeles (2001) Angeles (2001)
• Assets and Liabilities Management for Banking yang • Assets and Liabilities Management for Banking held by
diselenggarakan Arthur Andersen, Manila (1999) Arthur Andersen, Manila (1999)
• Effective Presentation Skills yang diselenggarakan Arthur • Effective Presentation Skills held by Arthur Andersen,
Andersen, Jakarta (1999) Jakarta (1999)
• Fraud Audit Detection yang diselenggarakan Arthur • Fraud Audit Detection held by Arthur Andersen, Manila
Andersen, Manila (1997) (1997)
• Training for the Trainer yang diselenggarakan Arthur • Training for the Trainer held by Arthur Andersen, Kuala
Andersen, Kuala Lumpur (1993) Lumpur (1993)
• AA Manager Development Program yang diselenggarakan • AA Manager Development Program held by Arthur
Arthur Andersen, Chicago (1994) Andersen, Chicago (1994)
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Management Report
Profil Perusahaan
Company Profile
• Andersen Global Audit Methodology yang diselenggarakan • Andersen Global Audit Methodology held by Arthur
Arthur Andersen, Chicago (1990) Andersen, Chicago (1990)
• Financial Statement And Audit Risk Analysis yang • Financial Statement And Audit Risk Analysis held by Arthur
diselenggarakan Arthur Andersen, Manila (1989) Andersen, Manila (1989)
• Senior Development School yang diselenggarakan SGV, • Senior Development School held by SGV, Manila (1988)
Manila (1988)
Riwayat Pekerjaan • Komisaris PT Allo Bank Indonesia Tbk (2021 - sekarang) • Commissioner of PT Allo Bank Indonesia Tbk (2021 -
Employment History present)
• Komisaris Alfa Retailindo (2022 - sekarang) • Commissioner of Alfa Retailindo (2022 - present)
• Direktur PT CT Corpora (2021 - sekarang) • Director of PT CT Corpora (2021 - present)
• Direktur PT Mega Corpora (2004 - sekarang) • Director of PT Mega Corpora (2004 - present)
• Partner Kantor Akuntan Publik Prasetio, Sarwoko & Sandjaja • Partner of Prasetio, Sarwoko & Sandjaja (Ernst & Young
(Ernst & Young Indonesia) (1986 - 2004) Indonesia) Public Accounting Firm (1986 - 2004)
• Komisaris PARA Bali Propertindo (2005 - sekarang) • Commissioner of PARA Bali Propertindo (2005 - present)
• Komisaris Trans Media Corpora (2007 - sekarang) • Commissioner of Trans Media Corpora (2007 - present)
• Komisaris Trans Cibubur Property (2010 - sekarang) • Commissioner of Trans Cibubur Property (2010 - present)
• Komisaris Garuda Maintenance Facility (2018 - sekarang) • Commissioner of Garuda Maintenance Facility (2018 -
present)
• Komisaris Utama Asuransi Umum Mega (2011 - 2024) • President Commissioner of Asuransi Umum Mega (2011 -
2024)
Informasi Rangkap Beliau tidak memiliki rangkap jabatan di luar Group CT Corpora He does not have concurrent positions outside the CT Corpora
Jabatan Group
Information on
Concurrent Positions
Hubungan Afiliasi Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, He has no affiliation with members of the Board of Directors,
Affiliate Relations anggota Dewan Komisaris lainnya, maupun dengan Pemegang other members of the Board of Commissioners, or with the
Saham Pengendali dan Utama. Controlling and Majority Shareholders.
Kepemilikan Saham Beliau memiliki 9.868.300 lembar saham PT Allo Bank He owns 9,868,300 shares in PT Allo Bank Indonesia Tbk as of
Shareholding Indonesia Tbk per 31 Desember 2023. December 31, 2023.
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Profil Direksi
Board of
Directors Profiles
Indra Utoyo
Direktur Utama
President Director
Periode Jabatan Pertama
Term of Office First
Kewarganegaraan Indonesia
Citizenship Indonesia
Usia 61 tahun
Age 61 years old
Domisili Jakarta, DKI Jakarta, Indonesia
Domicile Jakarta, DKI Jakarta, Indonesia
Dasar Hukum Diangkat pertama kali sebagai Direktur Utama Allo Bank dalam He was appointed for the first time as President Director of Allo
Pengangkatan Rapat Umum Pemegang Saham (RUPS) Tahunan tahun buku Bank at the Annual General Meeting of Shareholders (GMS) for
Legal Basis for 2022 tertanggal 19 Mei 2022 berdasarkan Akta Berita Acara the 2022 fiscal year on May 19, 2022 that was based on Deed
Appointment Rapat Umum Pemegang Saham Tahunan No. 107 tertanggal of Minutes of Annual General Meeting of Shareholders No.
16 Juni 2022 dan mendapatkan persetujuan OJK melalui 107 dated June 16, 2022 and obtained OJK approval through
Keputusan Deputi Komisioner Pengawas Perbankan I OJK No. Decree of Deputy Commissioner for Banking Supervision I OJK
Kep-23/PB.1/2022 tanggal 9 Juni 2022 tentang Hasil Penilaian No. Kep-23/PB.1/2022 dated June 9, 2022 concerning Results
Kemampuan dan Kepatutan Sdr. Indra Utoyo selaku Calon of the Fit and Proper Test of Mr. Indra Utoyo as Candidate for
Direktur Utama PT Allo Bank Indonesia Tbk. President Director of PT Allo Bank Indonesia Tbk.
Riwayat Pendidikan • S3, Ekonomi dan Bisnis Manajemen Stratejik Universitas • Doctorate Degree, Economics and Strategic Business
Educational Background Indonesia (2019) Management, University of Indonesia (2019)
• S2, Communication and Signal Processing Imperial College • Master’s Degree, Communication and Signal Processing
- London UK (1994) Imperial College-London UK (1994)
• S1, Teknik Elektro Telekomunikasi Institut Teknologi Bandung • Bachelor’s Degree, Electrical Telecommunications
(1985) Engineering, Bandung Institute of Technology (1985)
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Company Profile
Sertifikasi • Economics of Money & Banking yang diselenggarakan oleh • Economics of Money & Banking held by Columbia University,
Certifications Columbia University, Coursera (online) (2023) Coursera (online) (2023)
• Pengujian Business Continuity Management Atau Crisis • Testing Business Continuity Management or Crisis
Management Plan Melalui Table Top Exercise yang Management Plan through Table Top Exercise held by BCM
diselenggarakan oleh Konsultan Observasi BCM Exercise Exercise Observation Consultant Haldi Z, Jakarta (2023)
Haldi Z, Jakarta (2023)
• Sharing Knowledge Sustainability yang diselenggarakan oleh • Sustainability Knowledge Sharing held by PERBANAS,
PERBANAS, Jakarta (2023) Jakarta (2023)
• International Talks 2023 Leveraging Digital Central Banking • International Talks 2023 Leveraging Digital Central Banking
Services For Economic Recovery yang diselenggarakan oleh Services for Economic Recovery held by Bank Indonesia,
Bank Indonesia, Jakarta (2023) Jakarta (2023)
• Refreshment Sertifikasi Manajemen Risiko - BSMR yang • Refreshment of Risk Management Certification - BSMR held
diselenggarakan Efektifpro, Jakarta (2023) by Efektifpro, Jakarta (2023)
• Forum Koordinasi Perizinan & Layanan Kebanksentralan • Central Banking Licensing & Services Coordination Forum
Central Banking Services Festival (CBFest) 2023 yang Central Banking Services Festival (CBFest) 2023 held by
diselenggarakan Bank Indonesia, Jakarta (2023) Bank Indonesia, Jakarta (2023)
• Undang Undang Pelindungan Data Pribadi dan • Personal Data Protection Law and its Implementation
Implementasinya di PT Allo Bank Indonesia Tbk yang at PT Allo Bank Indonesia Tbk held by the Ministry of
diselenggarakan Kementrian Komunikasi Informatika Communication and Information of the Republic of
Republik Indonesia, Jakarta (2023) Indonesia, Jakarta (2023)
• Rapat Koordinasi Tahun 2023 yang diselenggarakan PPATK, • 2023 Coordination Meeting held by PPATK, Jakarta (2023)
Jakarta (2023)
• Bara Risk Forum Digitalization Of Risk Management yang • Bara Risk Forum Digitalization of Risk Management held by
diselenggarakan BARA, Jakarta (2022) BARA, Jakarta (2022)
• Technical Operation Risk Socialization To Responsible • Technical Operation Risk Socialization to Responsible Person
Person yang diselenggarakan Enterprise Operation Market held by Enterprise Operation Market Risk Division, Jakarta
Risk Division, Jakarta (2022) (2022)
• Venture Capital yang diselenggarakan The Wharton School, • Verture Capital, held by The Wharton School, University of
University of Pennsylvania, Philadelphia - USA (2021) Pennsylvania, Philadelphia-USA (2021)
• Financial Markets yang diselenggarakan Università • Financial Markets, held by Università Commerciale Luigi
Commerciale Luigi Bocconi - Coursera, Online (2021) Bocconi-Coursera, Online (2021)
• Private Equity & Venture Capital Financial Markets yang • Private Equity & Venture Capital Financial Markets, held by
diselenggarakan Yale University - Coursera, Online (2021) Yale University-Coursera, Online (2021)
• Post Graduate Diploma in Digital Business yang • Post Graduate Diploma in Digital Business, held by the
diselenggarakan Emeritus Institute of Management, Online Emeritus Institute of Management, Online (2020)
(2020)
• Program Pemeliharaan Sertifikasi Manajemen Risiko (SMR) • Level 5 Risk Management Certification (SMR) Maintenance
Level 5 yang diselenggarakan BSMR (Badan Sertifikasi Program, held by BSMR (Risk Management Certification
Manajemen Risiko) berlaku s.d Nov 2022, Online (2020) Agency) valid until November 2022, Online (2020)
• Fintech-Innovative Banking yang diselenggarakan Imperial • Fintech-Innovative Banking, held by Imperial College,
College, London (2017) London (2017)
• China Internet Finance Academy yang diselenggarakan • China Internet Finance Academy, held by McKinsey,
McKinsey, Shanghai (2017) Shanghai (2017)
• Leading with Big Data Analysis 2016 yang diselenggarakan • Leading with Big Data Analysis 2016, held by NUS,
NUS, Singapore (2016) Singapore (2016)
• M&As and Corporate Strategy yang diselenggarakan • M&As and Corporate Strategy, held by INSEAD, France
INSEAD, France (2014) (2014)
• Strategies for Creating Shareholder Value yang • Strategies for Creating Shareholder Value, held by Kellogg,
diselenggarakan Kellogg, Northwestern, Evanston - USA Northwestern, Evanston-USA (2013)
(2013)
• Leading Product Innovation yang diselenggarakan Harvard • Leading Product Innovation, held by Harvard Business
Business School, Boston - USA (2011) School, Boston-USA (2011)
• Telco 2.0 Executive Brainstorming yang diselenggarakan • Telco 2.0 Executive Brainstorming, held by Telco 2.0,
Telco 2.0, London (2009) London (2009)
• Marketing in Turbulent Times yang diselenggarakan • Marketing in Turbulent Times, held by Markplus & Kellog,
Markplus & Kellogg, Jakarta (2009) Jakarta (2009)
• Finance for Executive and Non-Finance Manager yang • Finance for Executive and Non-Finance Manager, held by
diselenggarakan Kellogg, Northwestern, Evanston - USA Kellogg, Northwestern, Evanston-USA (2008)
(2008)
• Strategic Decision Making, Center for Management • Strategic Decision Making, Center for Management
Research yang diselenggarakan Harvard University, USA Research, held by Harvard University, USA (2006)
(2006)
• Managing IT Project diselenggarakan Marcus Evans, Jakarta • Managing IT Project, held by Marcus Evans, Jakarta (2005)
(2005)
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Riwayat Pekerjaan • Presiden Direktur PT Allo Bank Indonesia Tbk (Mei 2022 - • President Director of PT Allo Bank Indonesia Tbk (May 2022
Employment History sekarang) - present)
• Direktur Digital dan Teknologi Informasi PT Bank Rakyat • Director of Digital and Information Technology PT Bank
Indonesia (Persero) Tbk (Maret 2017 - Maret 2022) Rakyat Indonesia Tbk (March 2017 – March 2022)
• Direktur Digital & Strategic Portfolio Telkom Group PT • Director of Digital & Strategic Portfolio Telkom Group PT
Telekomunikasi Indonesia, Tbk (Agustus 2016 - Maret 2017) Telekomunikasi Indonesia, Tbk (August 2016 - March 2017)
• Komisaris Utama PT Metra Digital Innovation (MDI Venture) • President Commissioner of PT Metra Digital Innovation (MDI
(Agustus 2016 - Maret 2017) Venture) (August 2016 - March 2017)
• Plt. Direktur Utama PT Telekomunikasi Indonesia, Tbk • Acting President Director of PT Telekomunikasi Indonesia,
(Oktober 2014 - Desember 2014) Tbk (October 2014 - December 2014)
• Komisaris Utama PT Telkomsel (Oktober 2014 - • President Commissioner of PT Telkomsel (October 2014 –
Desember 2014) December 2014)
• Direktur Innovation & Strategic Portfolio PT Telekomunikasi • Director of Innovation & Strategic Portfolio at PT
Indonesia, Tbk (Maret 2012 - Juli 2016) Telekomunikasi Indonesia, Tbk (March 2012 - July 2016)
• Direktur IT Solution & Supply PT Telekomunikasi Indonesia, • Director of IT Solution & Supply at PT Telekomunikasi
Tbk (Maret 2007 - Februari 2012) Indonesia, Tbk (March 2007 - February 2012)
• Komisaris Utama PT Multimedia Nusantara (Telkom Metra) • President Commissioner of PT Multimedia Nusantara
(Juli 2009 - Agustus 2016) (Telkom Metra) (July 2009 - August 2016)
• Komisaris Utama PT Telkom International Indonesia (Telin) • President Commissioner of PT Telkom International
(Mei 2007 - April 2008) Indonesia (May 2007 - April 2008)
• Senior General Manager ISC PT Telekomunikasi Indonesia, • Senior General Manager at ISC PT Telekomunikasi
Tbk (Februari 2005 - Februari 2007) Indonesia, Tbk (February 2005 - February 2007)
• Deputy EGM, Divisi Multimedia PT Telekomunikasi Indonesia, • Deputy EGM, Multimedia Division of PT Telekomunikasi
Tbk (April 2004 - Januari 2005) Indonesia, Tbk (April 2004 - January 2005)
Informasi Rangkap Beliau tidak memiliki rangkap jabatan He has no concurrent position
Jabatan
Information on
Concurrent Positions
Hubungan Afiliasi Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, He has no affiliation with members of the Board of Directors,
Affiliate Relations anggota Dewan Komisaris lainnya, maupun dengan Pemegang other members of the Board of Commissioners, or with the
Saham Pengendali dan Utama. Controlling and Majority Shareholders.
Kepemilikan Saham Beliau memiliki 500.000 lembar saham PT Allo Bank Indonesia He owns 500,000 shares in PT Allo Bank Indonesia Tbk as of
Shareholding Tbk per 31 Desember 2023. December 31, 2023.
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Ari Yanuanto Asah
Direktur Keuangan, Operasi dan Human Capital
Finance, Operations and Human Capital Director
Periode Jabatan Pertama
Term of Office First
Kewarganegaraan Indonesia
Citizenship Indonesia
Usia 54 tahun
Age 54 years old
Domisili Jakarta, DKI Jakarta, Indonesia
Domicile Jakarta, DKI Jakarta, Indonesia
Dasar Hukum Diangkat pertama kali sebagai Direktur Bank dalam Rapat Appointed for the first time as Finance and Operations
Pengangkatan Umum Pemegang Saham (RUPS) Luar Biasa tertanggal 29 Director of Allo Bank at the Extraordinary General Meeting of
Legal Basis for Januari 2021 berdasarkan Akta Pernyataan Keputusan Rapat Shareholders (EGMS) dated January 29, 201 based on Deed
Appointment No. 05 tanggal 22 Februari 2021 dan mendapatkan persetujuan of Minutes of Annual General Meeting of Shareholders No. 05
Otoritas Jasa Keuangan (OJK) melalui Keputusan Deputi dated February 22, 2021 and has obtained approval from the
Komisioner Pengawas Perbankan I Otoritas Jasa Keuangan No. Financial Services Authority (OJK) through Decree of the Deputy
KEP-24/PB.1/2021 tanggal 6 April 2021 tentang Hasil Penilaian Commissioner of Banking Supervision I of the Financial Services
Kemampuan dan Kepatutan Sdr. Ari Yanuanto Asah selaku Authority No. KEP-24/PB.1/2021 dated April 6, 2021 concerning
Direktur Operasional dan IT PT Allo Bank Indonesia Tbk. the results of the Fit and Proper Test of Mr. Ari Yanuanto Asah as
the Director of Operation and IT of PT Allo Bank Indonesia Tbk.
Riwayat Pendidikan • S2, Manajemen Sistem Informasi Universitas Bina Nusantara • Master’s Degree, Information System Management, Bina
Educational Background (2018) Nusantara University (2018)
• S1 Sarjana Ekonomi, Sekolah Tinggi Ilmu Ekonomi Bhakti • Bachelor’s Degeree, Economics, Bhakti Development
Pembangunan - Jakarta (1996) College of Economics - Jakarta (1996)
Sertifikasi • Pengujian Business Continuity Management Atau Crisis • Testing Business Continuity Management or Crisis
Certifications Management Plan Melalui Table Top Exercise yang Management Plan through Table Top Exercise held by BCM
diselenggarakan oleh Konsultan Observasi BCM Exercise Exercise Observation Consultant Haldi Z, Jakarta (2023)
Haldi Z, Jakarta (2023)
• Pelaksanaan Program Kegiatan Tahun Anggaran • Implementation of the 2023 Fiscal Year Activity Program of
2023 Direktorat Data Kependudukan Nasional yang the National Population Data Directorate held by the Director
diselenggarakan oleh Dirjen Dukcapil, Jakarta (2023) General of Dukcapil, Jakarta (2023)
• Refreshment Sertifikasi Manajemen Risiko - BSMR yang • Refreshment of Risk Management Certification - BSMR held
diselenggarakan Efektifpro, Jakarta (2023) by Efektifpro, Jakarta (2023)
• Uji Sertifikasi Manajemen Risiko Perbankan Level 5 yang • Level 5 Banking Risk Management Certification Test held by
diselenggarakan oleh LSPP, Jakarta (2022) LSPP, Jakarta (2022)
• Two Days Training for Risk Management Level 5 Certification • Two Days Training for Risk Management Level 5 Certification
yang diselenggarakan oleh PT. Efektifpro Knowledge Source, organized by PT. Effectivepro Knowledge Source, Jakarta
Jakarta (2022) (2022)
• Two Days Training for Risk Management Level 5 Certification • Two Days Training for Risk Management Level 5
yang diselenggarakan PT Efektifpro Knowledge Source, Certification, held by PT Effectivepro Knowledge Source,
Jakarta (2021) Jakarta (2021)
• Sertifikasi Treasury Dealer level Advance oleh LSPP, Jakarta • Advance level Treasury Dealer Certification, by LSPP, Jakarta
(2021) (2021)
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• Two Days Training for Treasury Advanced Level Certification • Two Days Training for Treasury Advance Level Certification,
yang diselenggarakan PT Efektifpro Knowledge Source, held by PT Effectivepro Knowledge Source, Jakarta (2021)
Jakarta (2021)
• Pelatihan implementasi program APU PPT berbasis Digital • Training on the implementation of the Digital Banking-based
Banking yang diselenggarakan Equivalent, Jakarta (2021) AML CTF program, held by Equivalent, Jakarta (2021)
• Program Pemeliharaan pada bidang Manajemen Risiko • Maintenance Program in Banking Risk Management (level
Perbankan (level 4) yang diselenggarakan Equivalent, 4), held by Equivalent, Jakarta (2021)
Jakarta (2021)
• Webinar: Transformation of Banking Operations in Digital • Webinar: Transformation of Banking Operations in the Digital
Era: “Resilience and Sustainability Beyond New Normal” yang Era: “Resilience and Sustainability Beyond New Normal”,
diselenggarakan Bank Indonesia, Jakarta (2020) held by Bank Indonesia, Jakarta (2020)
• Seminar Nasional Kolaborasi Industri Perbankan dan Fintech • National Seminar on Banking and Fintech Industry
dalam Sistem Pembayaran yang diselenggarakan Infobank, Collaboration in Payment Systems, held by Infobank, Jakarta
Jakarta (2019) (2019)
• Program Pemeliharaan pada bidang Manajemen Risiko • Maintenance Program in the field of Banking Risk
Perbankan (Operational Risk Management and Anti Fraud Management (Operational Risk Management and Anti-Fraud
Strategy) yang diselenggarakan Duta Bangsa, Jakarta (2019) Strategy), held by Duta Bangsa, Jakarta (2019)
• Seminar Digital Disruption: Banking For The Future yang • Digital Disruption Seminar: Banking For The Future, held by
diselenggarakan Otoritas Jasa Keuangan, Jakarta (2019) the Financial Services Authority, Jakarta (2019)
• Implementasi Aksi Keuangan Berkelanjutan oleh Duta • Implementation of the Sustainable Finance Action, by Duta
Bangsa, Jakarta (2019) Bangsa, Jakarta (2019)
• AML Forum oleh PT Bank Mega Tbk, Jakarta (2018) • Anti Money Laundering Forum, by PT Bank Mega Tbk,
Jakarta (2018)
• Program Pemeliharaan Manajemen Risiko Perbankan, • Banking Risk Management Maintenance Program,
International Trade Knowledge and Risk oleh PT Raharja Duta International Trade Knowledge and Risk, by PT Raharja Duta
Solusindo, Jakarta (2017) Solusindo, Jakarta (2017)
• Bimbingan Teknis Penyusunan Standar Kompetensi Kerja • Technical Guidance on the Preparation of Indonesian
Nasional Indonesia oleh BI-KEMNAKER, Jakarta (2017) National Competency Standards by BI-KEMNAKER, Jakarta
(2017)
• Refreshment program Manajemen Risiko Perbankan yang • Refreshment of Banking Risk Management program
diselenggarakan LSPP, Jakarta (2015) organized by LSPP, Jakarta (2015)
• Working Group pengembangan sistem BI - RTGS, BI - SSSS • Working Group on BI - RTGS, BI - SSSS and BI - ETP Gen II
dan BI - ETP Gen II yang diselenggarakan Bank Indonesia, system development organized by Bank Indonesia, Jakarta
Jakarta (2015) (2015)
• Pelatihan “Assessment Center Assessor Certification” PT • Training on “Assessment Center Assessor Certification” of PT
Bank Mega, Tbk yang diselenggarakan PPM, Jakarta (2014) Bank Mega, Tbk organized by PPM, Jakarta (2014)
• Manajemen Risiko Perbankan Level 4 yang diselenggarakan • Banking Risk Management Level 4 organized by National
Badan Nasional Sertifikasi Profesi, Jakarta (2013) Professional Certification Agency, Jakarta (2013)
• Business Writing Program - Pre Intermediate yang • Business Writing Program - Pre Intermediate organized by
diselenggarakan Interlingua, Jakarta (2011) Interlingua, Jakarta (2011)
• Sertifikasi Manajemen Risiko Tingkat II (Dua) yang • Risk Management Certification Level II (Two) organized by
diselenggarakan Badan Sertifikasi Manajemen Risiko (BSMR) Risk Management Certification Board (BSMR) - GRAPP,
- GRAPP, Jakarta (2010) Jakarta (2010)
• Partisipasi dalam Working Group Pengembangan • Participation in Working Group Development of USD/IDR
Mekanisme Settlement USD/IDR PVP pada Sistem BI - RTGS PVP Settlement Mechanism on BI - RTGS System organized
yang diselenggarakan Bank Indonesia, Jakarta (2010) by Bank Indonesia, Jakarta (2010)
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Riwayat Pekerjaan • Direktur Keuangan, Operasi & Human Capital PT Allo Bank • Finance, Operations & Human Capital Director PT Allo Bank
Employment History Indonesia, Tbk (Agustus 2023 - sekarang) Indonesia, Tbk (August 2023 - present)
• Direktur Keuangan dan Operasi PT Allo Bank Indonesia Tbk • Finance and Operations Director PT Allo Bank Indonesia,
(Agustus 2022 - Juli 2023) Tbk (August 2022 - July 2023)
• Plt. Direktur Utama PT Allo Bank Indonesia, Tbk (24 Mei • Acting President Director of PT Allo Bank Indonesia, Tbk
2021 - Juli 2022) (May 24, 2021 - July 2022)
• Direktur Operasional & IT PT Allo Bank Indonesia, Tbk • Operational & IT Director of PT Allo Bank Indonesia, Tbk
(Januari 2021 - 23 Mei 2021) (January 2021 - May 23, 2021)
• (Senior Vice President) Kepala Divisi Transformation • (Senior Vice President) Division Head, Transformation Project
Project (Pejabat Eksekutif) PT Bank Mega Tbk (Mei 2018 - Head (Executive Officer) of PT Bank Mega Tbk (May 2018 -
Januari 2021) January 2021)
• (Vice President) Process & System Development Head • (Vice President) Process & System Development Head
(Pejabat Eksekutif) PT Bank Mega Tbk (Kantor Pusat) (April (Executive Officer) of PT Bank Mega Tbk (Head Office) (April
2014 - Mei 2018) 2014 - May 2018)
• (Vice President) Process Management Head (Pejabat • (Vice President) Process Management Head (Executive
Eksekutif) PT Bank Mega Tbk (Kantor Pusat) (Mei 2013 - Officer) of PT Bank Mega Tbk (Head Office) (May 2013 -
Maret 2014) March 2014)
• (Vice President) Process Improvement Head PT Bank Mega • (Vice President) Process Improvement Head of PT Bank
Tbk (Oktober 2012 - Mei 2013) Mega Tbk (October 2012 - May 2013)
• (Vice President) Pinbag Credit - Trade - Treasury Process • (Vice President) Pinbag Credit - Trade - Treasury Process
Development PT Bank Mega Tbk (Januari 2011 - Development of PT Bank Mega Tbk (January 2011 -
September 2012) September 2012)
• (Vice President) Head, Projects System Development PT Bank • (Vice President) Head, Projects System Development of PT
Permata Tbk (November 2009 - Januari 2011) Bank Permata Tbk (November 2009 - January 2011)
• AVP (Process Management & System Dev Head - Global • AVP (Process Management & System Dev Head - Global
Market Operations) PT Bank Permata Tbk (Maret 2008 - Market Operations) of PT Bank Permata Tbk (March 2008 -
Oktober 2009) October 2009)
• AVP Treasury, Trade and Service Process Management Dept. • AVP - Treasury, Trade and Service Process Management
Head PT Bank Permata Tbk (Mei 2006 - Februari 2008) Dept Head of PT Bank Permata Tbk (May 2006 -
February 2008)
Informasi Rangkap Beliau tidak memiliki rangkap jabatan He has no concurrent positions
Jabatan
Information on
Concurrent Positions
Hubungan Afiliasi Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, He has no affiliation with members of the Board of Directors,
Affiliate Relations anggota Dewan Komisaris lainnya, maupun dengan Pemegang other members of the Board of Commissioners, or with the
Saham Pengendali dan Utama. Controlling and Major Shareholders.
Kepemilikan Saham Beliau tidak memiliki saham di PT Allo Bank Indonesia Tbk. He does not own shares in PT Allo Bank Indonesia Tbk.
Shareholding
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Arief Tendeas
Direktur Bisnis
Business Director
Periode Jabatan Pertama
Term of Office First
Kewarganegaraan Indonesia
Citizenship Indonesia
Usia 49 tahun
Age 49 years old
Domisili Bogor, Jawa Barat, Indonesia
Domicile Bogor, West Java, Indonesia
Dasar Hukum Diangkat pertama kali sebagai Direktur Allo Bank dalam Rapat Appointed for the first time as Director of Allo Bank at the
Pengangkatan Umum Pemegang Saham (RUPS) Luar Biasa tanggal 29 Januari Extraordinary General Meeting of Shareholders (EGMS) was
Legal Basis for 2021 berdasarkan Akta Pernyataan Keputusan Rapat No. dated January 29, 2021 based on the Deed of Minutes of
Appointment 05 tanggal 22 Februari 2021 dan mendapatkan persetujuan Annual General Meeting of Shareholders No. 05 dated February
Otoritas Jasa Keuangan (OJK) melalui Keputusan Deputi 22, 2021 and has obtained approval from the Financial Services
Komisioner Pengawas Perbankan I Otoritas Jasa Keuangan No. Authority (OJK) through Decree of the Deputy Commissioner
KEP-25/PB.1/2021 tanggal 6 April 2021 tentang Hasil Penilaian of Banking Supervision I of the Financial Services Authority No.
Kemampuan dan Kepatutan Sdr. Arief Tendeas selaku Direktur KEP-25/PB.1/2021 dated April 6, 2021 concerning Results of the
Bisnis PT Allo Bank Indonesia Tbk. Fit and Proper Test of Mr. Arief Tendeas as the Business Director
of PT Allo Bank Indonesia Tbk.
Riwayat Pendidikan S2, Sistem Informasi Universitas Bina Nusantara (2002) S2, Sistem Informasi Universitas Bina Nusantara (2002)
Educational Background S1, Teknik Informatika STMIK Bina Nusantara (1997) S1, Teknik Informatika STMIK Bina Nusantara (1997)
Sertifikasi • Webinar AKUBISA Akses Keuangan UMKM Melalui Business • AKUBISA Webinar Financial Access for MSMEs Through
Certifications Matching Dan Literasi untuk Peningkatan Daya Saing yang Business Matching and Literacy to Increase Competitiveness
diadakan oleh Bank Indonesia, Jakarta (2023) held by Bank Indonesia, Jakarta (2023)
• Pengujian Business Continuity Management Atau Crisis • Testing Business Continuity Management or Crisis
Management Plan Melalui Table Top Exercise yang Management Plan through Table Top Exercise organized
diselenggarakan oleh Konsultan Observasi BCM Exercise by BCM Exercise Observation Consultant Haldi Z, Jakarta
Haldi Z, Jakarta (2023) (2023)
• Diskusi Perumusan Anggaran Dasar Asosiasi Pasar Uang • Discussion on the Formulation of the Articles of Association
Dan Pasar Valuta Asing Indonesia (APUVINDO) yang of the Indonesian Money Market and Foreign Exchange
diselenggarakan oleh Bank Indonesia, Jakarta (2023) Market Association (APUVINDO) held by Bank Indonesia,
Jakarta (2023)
• Forum Diskusi Makroprudensial Arah Kredit Perbankan • Macroprudential Discussion Forum on Banking Credit
2023 Di Tengah Tantangan Domestik Dan Global yang Direction 2023 Amid Domestic and Global Challenges
diselenggarakan oleh Bank Indonesia, Jakarta (2023) organized by Bank Indonesia, Jakarta (2023)
• Refreshment Sertifikasi Manajemen Risiko - BSMR yang • Refreshment of Risk Management Certification - BSMR held
diselenggarakan Efektifpro, Jakarta (2023) by Efektifpro, Jakarta (2023)
• Launching Dan Sosialisasi Market Code Of Conduct (Brown • Launching and Socialization of the 4th Edition of the
Book) Edisi 4 yang diselenggarakan oleh Bank Indonesia, Market Code of Conduct (Brown Book) organized by Bank
Jakarta (2023) Indonesia, Jakarta (2023)
• Seminar Nasional Pembiayaan UMKM Melalui Multichannel • National Seminar on MSME Financing Through Multichannel
yang diselenggarakan oleh Bank Indonesia, Jakarta (2023) organized by Bank Indonesia, Jakarta (2023)
• Uji Sertifikasi Manajemen Risiko Level 5 LSPP yang • LSPP Level 5 Risk Management Certification Test held by
diselenggarakan oleh LSPP, Jakarta (2022) LSPP, Jakarta (2022)
• Pembekalan Sertifikasi Manajemen Risiko Level V yang • LSPP Level 5 Risk Management Certification Test held by
diselenggarakan oleh PT. Efektifpro Knowledge Source, LSPP, Jakarta (2022)
Jakarta (2022)
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• Uji Kompetensi Treasury Level Advance yang • Providing Level V Risk Management Certification organized
diselenggarakan oleh LSPP, Jakarta (2022) by PT. Effectivepro Knowledge Source, Jakarta (2022)
• Pembekalan Sertifikasi Treasury Dealer Level Advance yang • Advanced Level Treasury Competency Test held by LSPP,
diselenggarakan PT. Efektifpro Knowledge Source, Jakarta Jakarta (2022)
(2022)
• Pembekalan Sertifikasi Treasury Level Basic, yang • Provision of Advance Level Treasury Dealer Certification held
diselenggarakan PT. Efektifpro Knowledge Source, Jakarta by PT. Effectivepro Knowledge Source, Jakarta (2022)
(2022)
• Pelatihan implementasi program APU PPT berbasis Digital • Training on the implementation of the AML/CFT program
Banking yang diselenggarakan oleh Equivalent, Jakarta based on Digital Banking organized by Equivalent, Jakarta
(2021) (2021)
• Program Pemeliharaan pada bidang Manajemen Risiko • Maintenance Program in the field of Banking Risk
Perbankan (level 4) yang diselenggarakan oleh Equivalent, Management (level 4) organized by Equivalent, Jakarta
Jakarta (2021) (2021)
• Implementasi Aksi Keuangan Berkelanjutan yang • Implementation of the Sustainable Finance Action, held by
diselenggarakan Duta Bangsa, Online, Jakarta (2020) Duta Bangsa, Online, Jakarta (2020)
• Refreshment Manajemen Risiko Perbankan Level 4: Anti • Review of Banking Risk Management Level 4: Anti-Fraud,
Fraud yang diselenggarakan RDS Consultant, Jakarta (2020) held by RDS Consultant, Jakarta (2020)
• Seminar Nasional Kolaborasi Industri Perbankan dan Fintech • National Seminar on Banking Industry Collaboration and
dalam Sistem Pembayaran yang diselenggarakan Infobank, Fintech in Payment Systems, held by Infobank, Jakarta
Jakarta (2019) (2019)
• Seminar Digital Disruption: Banking for the Future yang • Digital Disruption Seminar: Banking for the Future, held by
diselenggarakan OJK Institute, Jakarta (2019) the OJK Institute, Jakarta (2019)
• Data Scientist with R Track yang diselenggarakan Datacamp, • Data Scientist with R Track, held by Datacamp, Online (2018)
Online (2018)
• Merchant Acquiring Workshop yang diselenggarakan • Merchant Acquiring Workshop, held by the Indonesian
Asosiasi Kartu Kredit Indonesia & Transcarta, Jakarta (2017) Credit Card Association & Transcarta, Jakarta (2017)
• Data Analyst with R Track yang diselenggarakan Datacamp, • Data Analyst with R Track, held by Datacamp, Online (2017)
Online (2017)
• Credit Risk Modeling in R yang diselenggarakan Datacamp, • Credit Risk Modeling in R, held by Datacamp, Online (2017)
Online (2017)
• Anti Money Laundering Forum yang diselenggarakan Bank • Anti Money Laundering Forum, held by Bank Mega, Jakarta
Mega, Jakarta (2016) (2016)
• Merchant Acquiring Risk Management Training (Level 1) yang • Merchant Acquiring Risk Management Training (Level 1), held
diselenggarakan Epic Solusi Indonesia, Jakarta (2015) by Epic Solusi Indonesia, Jakarta (2015)
• Introduction to NSICCS 101 yang diselenggarakan Infobank, • Introduction to NSICCS 101, held by Infobank, Bali (2012)
Bali (2012)
• Refreshment Manajemen Risiko Perbankan Level 4: Digital • Review of Banking Risk Management Level 4: Digital
Banking Risk Management yang diselenggarakan RDS Banking Risk Management, held by RDS Consultant, Jakarta
Consultant, Jakarta (2018) (2018)
• Refreshment Manajemen Risiko Perbankan Level 4: Bank • Review of Banking Risk Management Level 4: Sharia Bank
Syariah Risk Management and Risk Transfer Management Risk Management and Risk Transfer Management, held by
yang diselenggarakan RDS Consultant, Jakarta (2016) RDS Consultant, Jakarta (2016)
• Sertifikasi Kompetensi Manajemen Risiko Perbankan Level 4 • Level 4 Banking Risk Management Competency
yang diselenggarakan LSPP, Jakarta (2015) Certification, held by LSPP, Jakarta (2015)
• Sertifikasi Manajemen Risiko Tingkat 2 yang diselenggarakan • Level 2 Risk Management Certification, held by BSMR,
BSMR, Jakarta (2007) Jakarta (2007)
• Sertifikasi Manajemen Risiko Tingkat 1 yang diselenggarakan • Level 1 Risk Management Certification, held by BSMR,
BSMR, Jakarta (2006) Jakarta (2006)
Riwayat Pekerjaan • Direktur Bisnis PT Allo Bank Indonesia Tbk (Kantor Pusat) • Business Director of PT Allo Bank Indonesia Tbk (Head
Employment History (Februari 2021 - sekarang) Office) (February 2021 - present)
• Kadiv Digital Business (Pejabat Eksekutif) PT Bank Mega, Tbk • Division Head Digital Business (Executive Officer) at PT Bank
Kantor Pusat (April 2018 - Januari 2021) Mega, Tbk - Head Office (April 2018 - January 2021)
• Komisaris PT Debeka Putra Mandiri (persh. Keluarga) • Commissioners PT Debeka Putra Mandiri (Family Company)
(November 2017 - Januari 2021) (November 2017 - January 2021)
• Kadiv CCPL Operation (Pejabat Eksekutif) PT Bank Mega, • Division Head CCPL Operation (Executive Officer) at PT
Tbk Kantor Pusat (Oktober 2014 - Maret 2018) Bank Mega, Tbk Head Office (October 2014 - March 2018)
• Business Project Manager di Maybank Kuala Lumpur PT • Business Project Manager at Maybank Kuala Lumpur at PT
Bank Internasional Indonesia Kantor Pusat (Desember 2013 Bank International Indonesia Head Office (December 2013 -
- September 2014) September 2014)
• Kadiv System Support Credit Card PT Bank Internasional • Division Head System Support Credit Card at PT Bank
Indonesia Kantor Pusat (Juni 2011 - November 2013) International Indonesia Head Office (June 2011 –
November 2013)
• Kadiv Card Operation & Support (Pejabat Eksekutif) PT Bank • Division Head Card Operation & Support (Executive Officer)
Mega, Tbk Kantor Pusat (Juni 2004 - Mei 2011) at PT Bank Mega, Tbk Head Office (June 2004 - May 2011)
• System and Operation Manager PT Trias Abadi Cemerlang • System and Operation Manager at PT The Bright Eternal
(Desember 2000 - Mei 2004) Triassic (December 2000 - May 2004)
• Kepala Bagian System Support Kartu Kredit PT Bank Central • Head of Credit Card Support System at PT Bank Central
Asia Kantor Pusat (Juli 1996 - November 2000) Asia Head Office (July 1996 – November 2000)
• Mempersiapkan skripsi, tidak bekerja (Maret 1996 - • Writing thesis, not employed (March 1996 - June 1996)
Juni 1996)
Laporan Tahunan & Laporan Keberlanjutan 2023
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 85
• Programmer PT Infarco Pondok Wisata (Desember 1994 - • Programmer at PT Infarco Pondok Wisata (December 1994
Februari 1996) - February 1996
• Provision of Basic Level Treasury Certification, held by PT. • Provision of Basic Level Treasury Certification, held by PT.
Effectivepro Knowledge Source, Jakarta (2022) Effectivepro Knowledge Source, Jakarta (2022)
• Maintenance Program in the field of Banking Risk • Maintenance Program in the field of Banking Risk
Management (level 4) organized by Equivalent, Jakarta Management (level 4) organized by Equivalent, Jakarta
(2021) (2021)
• Implementation of the Sustainable Finance Action, held by • Implementation of the Sustainable Finance Action, held by
Duta Bangsa, Online, Jakarta (2020) Duta Bangsa, Online, Jakarta (2020)
• Review of Banking Risk Management Level 4: Anti-Fraud, • Review of Banking Risk Management Level 4: Anti-Fraud,
held by RDS Consultant, Jakarta (2020) held by RDS Consultant, Jakarta (2020)
• National Seminar on Banking Industry Collaboration and • National Seminar on Banking Industry Collaboration and
Fintech in Payment Systems, held by Infobank, Jakarta Fintech in Payment Systems, held by Infobank, Jakarta
(2019) (2019)
• Digital Disruption Seminar: Banking for the Future, held by • Digital Disruption Seminar: Banking for the Future, held by
the OJK Institute, Jakarta (2019) the OJK Institute, Jakarta (2019)
• Data Scientist with R Track, held by Datacamp, Online (2018) • Data Scientist with R Track, held by Datacamp, Online (2018)
• Merchant Acquiring Workshop, held by the Indonesian • Merchant Acquiring Workshop, held by the Indonesian
Credit Card Association & Transcarta, Jakarta (2017) Credit Card Association & Transcarta, Jakarta (2017)
• Data Analyst with R Track, held by Datacamp, Online (2017) • Data Analyst with R Track, held by Datacamp, Online (2017)
• Credit Risk Modeling in R, held by Datacamp, Online (2017) • Credit Risk Modeling in R, held by Datacamp, Online (2017)
• Anti Money Laundering Forum, held by Bank Mega, Jakarta • Anti Money Laundering Forum, held by Bank Mega, Jakarta
(2016) (2016)
• Merchant Acquiring Risk Management Training (Level 1), held • Merchant Acquiring Risk Management Training (Level 1), held
by Epic Solusi Indonesia, Jakarta (2015) by Epic Solusi Indonesia, Jakarta (2015)
• Introduction to NSICCS 101, held by Infobank, Bali (2012) • Introduction to NSICCS 101, held by Infobank, Bali (2012)
• Review of Banking Risk Management Level 4: Digital • Review of Banking Risk Management Level 4: Digital
Banking Risk Management, held by RDS Consultant, Jakarta Banking Risk Management, held by RDS Consultant, Jakarta
(2018) (2018)
• Review of Banking Risk Management Level 4: Sharia Bank • Review of Banking Risk Management Level 4: Sharia Bank
Risk Management and Risk Transfer Management, held by Risk Management and Risk Transfer Management, held by
RDS Consultant, Jakarta (2016) RDS Consultant, Jakarta (2016)
• Level 4 Banking Risk Management Competency • Level 4 Banking Risk Management Competency
Certification, held by LSPP, Jakarta (2015) Certification, held by LSPP, Jakarta (2015)
• Level 2 Risk Management Certification, held by BSMR, • Level 2 Risk Management Certification, held by BSMR,
Jakarta (2007) Jakarta (2007)
• Level 1 Risk Management Certification, held by BSMR, • Level 1 Risk Management Certification, held by BSMR,
Jakarta (2006) Jakarta (2006)
Informasi Rangkap Beliau tidak memiliki rangkap jabatan He has no Concurrent positions
Jabatan
Information on
Concurrent Positions
Hubungan Afiliasi Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, He has no affiliation with members of the Board of Directors,
Affiliate Relations anggota Dewan Komisaris lainnya, maupun dengan Pemegang other members of the Board of Commissioners, or with the
Saham Pengendali dan Utama. Controlling and Majority Shareholders.
Kepemilikan Saham Beliau tidak memiliki saham di PT Allo Bank Indonesia Tbk. He does not own shares in PT Allo Bank Indonesia Tbk.
Shareholding
2023 Annual Report & Sustainability Report
Page 88
86 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Ganda Raharja Rusli
Direktur Risiko, Kepatuhan & Hukum
Risk, Compliance & Legal Director
Periode Jabatan Pertama
Term of Office First
Kewarganegaraan Indonesia
Citizenship Indonesia
Usia 50 tahun
Age 50 years old
Domisili Jakarta, DKI Jakarta, Indonesia
Domicile Jakarta, DKI Jakarta, Indonesia
Dasar Hukum Diangkat pertama kali sebagai Direktur Allo Bank dalam Rapat Appointed for the first time as Director of Allo Bank at the
Pengangkatan Umum Pemegang Saham (RUPS) Luar Biasa tanggal 15 Oktober Extraordinary General Meeting of Shareholders (EGMS) was
Legal Basis for 2021 berdasarkan Akta Pernyataan Keputusan Rapat No. 10 dated October 15, 2021 based on the Deed of Minutes of Annual
Appointment tanggal 18 Oktober 2021 dan mendapatkan persetujuan Otoritas General Meeting of Shareholders No. 10 dated October 18, 2021
Jasa Keuangan (OJK) melalui Keputusan Deputi Komisioner and has obtained approval from the Financial Services Authority
Pengawas Perbankan I Otoritas Jasa Keuangan No. KEP-70/ (OJK) through Decree of the Deputy Commissioner of Banking
PB.1/2021 tanggal 14 Desember 2021 tentang Hasil Penilaian Supervision I of the Financial Services Authority No. KEP-70/
Kemampuan dan Kepatutan Sdr. Ganda Raharja Rusli selaku PB.1/2021 dated December 14, 2021 concerning Results of the
Direktur Kepatuhan PT Allo Bank Indonesia Tbk. Fit and Proper Test of Mr. Ganda Raharja Rusli as the Director of
Compliance of PT Allo Bank Indonesia Tbk.
Riwayat Pendidikan S1, Matematika - Institut Teknologi Bandung (1997) Bachelor’s Degree, Mathematics - Bandung Institute of
Educational Background Technology (1997)
Sertifikasi • Pengujian Business Continuity Management Atau Crisis • Testing Business Continuity Management or Crisis
Certifications Management Plan Melalui Table Top Exercise yang Management Plan through Table Top Exercise held by BCM
diselenggarakan oleh Konsultan Observasi BCM Exercise Exercise Observation Consultant Haldi Z, Jakarta (2023)
Haldi Z, Jakarta (2023)
• Risk And Governance Summit (RGS) Tahun 2023 Sustainable • Risk And Governance Summit (RGS) 2023 Sustainable
Governance Digital Transformation As A Game Changer Governance Digital Transformation as A Game Changer
Ethical Culture As Value Keeper yang diselenggarakan oleh Ethical Culture As Value Keeper held by OJK, Jakarta (2023)
OJK, Jakarta (2023)
• Diseminasi Hasil Pengukuran Financial Integrity Rating On • Onsite Dissemination of Financial Integrity Rating
Money Laundering And Terrorist Financing Tahun 2023 Measurement Results on Money Laundering and Terrorist
Secara Onsite yang diselenggarakan oleh PPATK, Jakarta Financing in 2023 held by PPATK, Jakarta (2023)
(2023)
• Sosialisasi Peraturan Otoritas Jasa Keuangan Tentang • Socialization of Financial Services Authority Regulations
Penerapan Tata Kelola Bagi Bank Umum yang Concerning the Implementation of Governance for
diselenggarakan oleh OJK, Jakarta (2023) Commercial Banks held by OJK, Jakarta (2023)
• Webinar Compliance Refreshment Emiten Dan Perusahaan • Compliance Refreshment Webinar for Issuers and Public
Publik yang diselenggarakan oleh OJK, Jakarta (2023) Companies held by OJK, Jakarta (2023)
• FGD Tim Kerja Analisis Kolaboratif PPATK Terkait Pemilihan • FGD of the PPATK Collaborative Analysis Working Team
Umum Dan Pemilihan Kepala Daerah yang diselenggarakan Regarding General Elections and Regional Head Elections
oleh PPATK, Jakarta (2023) held by PPATK, Jakarta (2023)
• Refreshment Sertifikasi Manajemen Risiko - BSMR yang • Refreshment of Risk Management Certification - BSMR held
diselenggarakan Efektifpro, Jakarta (2023) by Efektifpro, Jakarta (2023)
• Undangan Pertemuan Koordinasi yang diselenggarakan oleh • Invitation to Coordination Meeting held by PPATK, Jakarta
PPATK, Jakarta (2023) (2023)
• Undang Undang Perlindungan Data Pribadi Dan • Personal Data Protection Law and its Implementation
Implementasinya Di PT Allo Bank Indonesia Tbk yang at PT Allo Bank Indonesia Tbk held by the Ministry of
diselenggarakan oleh Kementrian Komunikasi Informatika Communication and Information of the Republic of
Republik Indonesia, Jakarta (2023) Indonesia, Jakarta (2023)
• Workshop Internal EOMR Dan Cyber Risk yang • Internal EOMR and Cyber Risk Workshop held by EOMR
diselenggarakan oleh EOMR Dan Cyber Risk Allo Bank, and Cyber Risk Allo Bank, Jakarta (2023)
Jakarta (2023)
Laporan Tahunan & Laporan Keberlanjutan 2023
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 87
• Rapat Koordinasi Tahun 2023 yang diselenggarakan oleh • 2023 Coordination Meeting held by PPATK, Jakarta (2023)
PPATK, Jakarta (2023)
• Pertemuan Terkait SEOJK Tentang Sertifikasi Manajemen • SEOJK Related Meeting Concerning Risk Management
Risiko Bagi Sumber Daya Manusia Bank Umum yang Certification for Commercial Bank Human Resources held
diselenggarakan oleh OJK, Jakarta (2023) by OJK, Jakarta (2023)
• Diseminasi Hasil Pengukuran Financial Integrity Rating On • Online Dissemination of 2022 Financial Integrity Rating on
Money Laundering And Terrorist Financing (FIR On ML/ Money Laundering And Terrorist Financing (FIR On ML/TF)
TF) Tahun 2022 Secara Online yang diselenggarakan oleh Measurement Results held by PPATK, Jakarta (2022)
PPATK, Jakarta (2022)
• Closing TechSprint Awards Ceremony & CBDC Seminar, • Closing TechSprint Awards Ceremony & CBDC Seminar,
yang diselenggarakan oleh Bank Indonesia, Jakarta (2022) held by Bank Indonesia, Jakarta (2022)
• Webinar Keterbukaan Informasi Pemilik Manfaat (Beneficial • Webinar on Information Disclosure of Beneficial Owners in
Owner) Pada Rezim APU PPT yang diselenggarakan oleh the AML-CTF Regime held by OJK, Jakarta (2022)
OJK, Jakarta (2022)
• Mewaspadai Signal Resesi Dan Debitur Nakal yang • Beware of Recession Signals and Naughty Debtors held by
diselenggarakan oleh Infobank, Jakarta (2022) Infobank, Jakarta (2022)
• Webinar Tren Dan Tantangan Anti Money Laundering Di • Webinar on Anti-Money Laundering Trends and Challenges
Era Digital yang diselenggarakan oleh OJK Institute, Jakarta in the Digital Era held by the OJK Institute, Jakarta (2022)
(2022)
• Peluncuran Uang Rupiah Kertas Tahun Emisi 2022 yang • Launch of 2022 Rupiah Paper Money, held by Bank
diselenggarakan oleh Bank Indonesia, Jakarta (2022) Indonesia, Jakarta (2022)
• Webinar Digital Governance: Prasyarat untuk Mendukung • Digital Governance Webinar: Prerequisites to Support Digital
Transformasi Digital yang diselenggarakan oleh OJK, Jakarta Transformation organized by OJK, Jakarta (2022)
(2022)
• Undangan Pembahasan Strategi Kampanye Tematik • Invitation to discuss thematic campaign strategies with
Bersama BI-FAST Dalam Rangkaian HUT Kemerdekaan Ke BI-FAST in the series of the 77th Independence Day of
77 RI yang diselenggarakan oleh Bank Indonesia, Jakarta the Republic of Indonesia held by Bank Indonesia, Jakarta
(2022) (2022)
• Webinar Digital Leadership untuk Memperkuat Transformasi • Digital Leadership Webinar to Strengthen Digital
Digital yang diselenggarakan oleh OJK Institute, Jakarta Transformation held by the OJK Institute, Jakarta (2022)
(2022)
• E Refreshment Menghindari Dan Mengantisipasi • E Refreshment Avoiding and Anticipating Banking
Trend Kejahatan Siber Perbankan Di Era Digital yang Cybercrime Trends in the Digital Era held by IBI BCC,
diselenggarakan oleh IBI BCC, Jakarta (2022) Jakarta (2022)
• Sosialisasi Peraturan Anggota Dewan Gubernur Tentang • Socialization of Regulations for Members of the Board
Peraturan Pelaksanaan Rasio Pembiayaan Inklusif of Governors Concerning Regulations for Implementing
Makroprudensial Bagi Bank Umum Konvensional, Macroprudential Inclusive Financing Ratios for Conventional
Bank Umum Syariah, Dan Unit Usaha Syariah yang Commercial Banks, Sharia Commercial Banks and Sharia
diselenggarakan oleh PT. Efektifpro Knowledge Source, Business Units held by PT. Effectivepro Knowledge Source,
Jakarta (2022) Jakarta (2022)
• Pertemuan Koordinasi Dan Arahan Presiden Republik • Coordination Meeting and Directions of the President of
Indonesia Dalam Peringatan Dua Dekade APU PPT the Republic of Indonesia in Commemoration of the Two
Indonesia Dengan Tema Upaya Bersama Dalam Pencegahan Decades of Indonesian AML-CTF with the theme of Joint
Dan Pemberantasan Green Financial Crime yang Efforts in Preventing and Eradicating Green Financial Crime,
diselenggarakan oleh PPATK, Jakarta (2022) held by PPATK, Jakarta (2022)
• Digital Awareness III Big Data In Finance yang • Digital Awareness III Big Data in Finance held by LPPI,
diselenggarakan LPPI, Jakarta (2022) Jakarta (2022)
• Digital Awareness II Bank Digital Dan Fintech yang • Digital Awareness II Digital Banks and Fintech held by LPPI,
diselenggarakan LPPI, Jakarta (2022) Jakarta (2022)
• Digital Awareness 1 Kekinian Teknologi Dan Bisnis Perbankan • Digital Awareness 1 Current Technology and Banking
yang diselenggarakan LPPI, Jakarta (2022) Business held by LPPI, Jakarta (2022)
• Webinar Kesiapan Industri Jasa Keuangan Dalam • Webinar on Financial Services Industry Readiness in
Mendukung Literasi Digital Konsumen Jasa Keuangan yang Supporting Digital Literacy of Financial Services Consumers
diselenggarakan OJK Institute, Jakarta (2022) held by the OJK Institute, Jakarta (2022)
• Sertifikat Auditor Sistem Manajemen Mutu LSP yang • LSP Quality Management System Auditor Certificate, held by
diselenggarakan CKP-CBT Center, Jakarta (2021) CKP-CBT Center, Jakarta (2021)
• Sertifikasi Direksi P2P Lending level Dasar yang • Basic Level P2P Lending Directors Certification, held by
diselenggarakan AFPI, Jakarta (2020) AFPI, Jakarta (2020)
• Sertifikasi LSPP level 5 yang diselenggarakan LSPP, Jakarta • Level 5 LSPP Certification, held by LSPP, Jakarta (2018)
(2018)
• Advanced Fraud Management Course yang diselenggarakan • Advanced Fraud Management Course, held by Mastercard
Mastercard Worldwide, Manila (2009) Worldwide, Manila (2009)
• Intermediate Islamic Finance yang diselenggarakan National • Intermediate Islamic Finance, held by National Commercial
Commercial Bank, Jeddah (2009) Bank, Jeddah (2009)
• Basic Islamic Finance yang diselenggarakan National • Basic Islamic Finance, held by National Commercial Bank,
Commercial Bank, Jeddah (2008) Jeddah (2008)
• Basel II yang diselenggarakan National Commercial Bank, • Basel II, held by the National Commercial Bank, Jeddah
Jeddah (2008) (2008)
• Risk Management Best Practice Account Management yang • Risk Management Best Practice Account Management, held
diselenggarakan The Credit Academy, Singapore (2006) by The Credit Academy, Singapore (2006)
• Certification Foundation Level yang diselenggarakan • Citification Foundation Level, held by Citibank, Indonesia
Citibank, Indonesia (2002) (2002)
• Citibank Aspac MADP yang diselenggarakan Citibank, • Citibank Aspac MADP, held by Citibank, Singapore (1999)
Singapore (1999)
2023 Annual Report & Sustainability Report
Page 90
88 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Riwayat Pekerjaan • Direktur Risiko, Kepatuhan dan Hukum PT Allo Bank • Director of Risk, Compliance and Legal at Allo Bank
Employment History Indonesia Tbk (Agustus 2023 - sekarang) (September 2023 - present)
• Direktur Risiko, Kepatuhan, Human Capital dan Hukum PT • Director of Risk, Compliance, Human Capital and Legal at
Allo Bank Indonesia Tbk (Oktober 2021 - Agustus 2023) Allo Bank (October 2021 - August 2023)
• Direktur Manajemen Risiko, Hukum dan Kepatuhan - • Director of Risk Management, Legal and Compliance
Akseleran Keuangan Inklusif Indonesia (Akseleran P2P – Akseleran Keuangan Inklusif Indonesia (P2P Lending
Lending) (Januari 2020 - Agustus 2021) Acceleration) (January 2020 - August 2021)
• Kepala Divisi Manajemen Risiko (Pejabat Executive) - Bank • Head of Risk Management Division (Executive Officer)
Commonwealth Indonesia (Maret 2017 - Desember 2019) - Commonwealth Bank Indonesia (March 2017 -
December 2019)
• Kepala Divisi Manajemen Risiko segmen Konsumer (Pejabat • Head of Risk Management Division Consumer Segment
Executive) - Bank ANZ Indonesia (Mei 2015 - Februari 2017) (Executive Officer) - Bank ANZ Indonesia (May 2015 -
February 2017)
• Direktur Kredit dan Penagihan - Bank Sahabat Sampoerna • Director of Credit and Collection - Bank Sahabat Sampoerna
(Januari 2012 - April 2015) (January 2012 - April 2015)
• Direktur Manajemen Risiko - Sahabat Finansial Keluarga • Director of Risk Management - Sahabat Finansial Keluarga
(anak usaha dari Bank Permata) (Desember 2010 - (a subsidiary of Bank Permata) (December 2010 -
Desember 2011) December 2011)
• Credit Card Policy Manager - National Commercial Bank, • Manager of Credit Card Policy - National Commercial Bank,
Jeddah (Desember 2007 - Desember 2010) Jeddah (December 2007 – December 2010)
• Kepala bagian Kredit tanpa Agunan (Unsecured Credit) - GE • Head of Unsecured Credit - GE Finance Indonesia (April
Finance Indonesia (April 2006 - Desember 2007) 2006 - December 2007)
• Kepala bagian Risk Analytics - ABN Amro Indonesia (Agustus • Head of Risk Analytics - ABN Amro Indonesia (August 2004
2004 - April 2006) - April 2006)
• Kepala bagian Risk Analytics - Citibank Indonesia (November • Head of Risk Analytics - Citibank Indonesia (November 1997
1997 - Agustus 2004) - August 2004)
Informasi Rangkap Beliau tidak memiliki rangkap jabatan He has no concurrent positions
Jabatan
Information on
Concurrent Positions
Hubungan Afiliasi Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, He has no affiliation with members of the Board of Directors,
Affiliate Relations anggota Dewan Komisaris lainnya, maupun dengan Pemegang other members of the Board of Commissioners, or with the
Saham Pengendali dan Utama. Controlling and Majority Shareholders.
Kepemilikan Saham Beliau memiliki 47.384 lembar saham PT Allo Bank Indonesia He owns 47,384 shares in PT Allo Bank Indonesia Tbk as of
Shareholding Tbk per 31 Desember 2023. December 31, 2023.
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 91
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 89
Sajal Bhatnagar
Direktur Digital
Digital Director
Periode Jabatan Pertama
Term of Office First
Kewarganegaraan India
Citizenship India
Usia 36 tahun
Age 36 years old
Domisili Jakarta, DKI Jakarta, Indonesia
Domicile Jakarta, DKI Jakarta, Indonesia
Dasar Hukum Diangkat pertama kali sebagai Direktur Allo Bank dalam Appointed for the first time as Digital Director of Allo Bank at
Pengangkatan Rapat Umum Pemegang Saham (RUPS) Tahunan tahun buku the Annual General Meeting of Shareholders (GMS) for the
Legal Basis for 2022 tertanggal 19 Mei 2022 berdasarkan Akta Rapat Umum 2022 fiscal year dated May 19, 2022 based on the Deed of
Appointment Pemegang Saham Tahunan No. 107 tertanggal 16 Juni 2022 Annual General Meeting of Shareholders No. 107 dated June
dan mendapatkan persetujuan OJK melalui Keputusan Deputi 16, 2022 and obtained OJK approval through Decree of Deputy
Komisioner Pengawas Perbankan I OJK No. Kep-40/PB.1/2022 Commissioner for Banking Supervision I OJK No. Kep-40/
tanggal 16 Agustus 2022 tertanggal 16 Agustus 2022 tentang PB.1/2022 dated August 16, 2022 concerning Results of the Fit
Hasil Penilaian Kemampuan dan Kepatutan Sdr. Sajal Bhatnagar and Proper Test of Mr. Sajal Bhatnagar as Candidate for Digital
selaku Calon Direktur Digital PT Allo Bank Indonesia Tbk. Director of PT Allo Bank Indonesia Tbk.
Riwayat Pendidikan • S2, MBA - IIM Calcutta (2010) • Master of Business Administration - IIM Calcutta (2010)
Educational Background • S1, Mechanical Engineering - IIT (ISM) Dhanbad (2008) • Bachelor’s Degree, Mechanical Engineering - IIT (ISM)
Dhanbad (2008)
Sertifikasi • Pengujian Business Continuity Management Atau Crisis • Testing Business Continuity Management or Crisis
Certification Management Plan Melalui Table Top Exercise yang Management Plan through Table Top Exercise held by BCM
diselenggarakan oleh Konsultan Observasi BCM Exercise Exercise Observation Consultant Haldi Z, Jakarta (2023)
Haldi Z, Jakarta (2023)
• Refreshment Sertifikasi Manajemen Risiko - BSMR yang • Refreshment of Risk Management Certification - BSMR held
diselenggarakan Efektifpro, Jakarta (2023) by Efektifpro, Jakarta (2023)
• Pembekalan Sertifikasi Manajemen Risiko Level 5 Fast Track • Provision of LSPP Fast Track Level 5 Risk Management
LSPP, yang diselenggarakan oleh GSP Partners, Jakarta Certification, organized by GSP Partners, Jakarta (2022)
(2022)
• Sertifikasi Manajemen Risiko Level 5 yang diselenggarakan • Level 5 Risk Management Certification held by LSPP, Jakarta
LSPP, Jakarta (2022 / Level 5 Risk Management Certification (2022)
held by LSPP, Jakarta (2022)
Riwayat Pekerjaan • Direktur Digital PT Allo Bank Indonesia Tbk (Juni 2022 - • Director of Digital at PT Allo Bank Indonesia Tbk (June 2022
Employment History sekarang) - present)
• Chief Business Officer (BOD) - Paytm Payments Bank • Chief Business Officer (BOD) - Paytm Payments Bank
(November 2020 - Mei 2022) (November 2020 - Mei 2022)
• Vice President, Payment Merchant Product and Lifecycle • Vice President, Payment Merchant Product and Lifecycle
(Executive Staff) - Paytm (One97 Communications Pvt. Ltd.), (Executive Staff) - Paytm (One97 Communications Pvt. Ltd.),
Delhi NCR (Maret 2015 - November 2020) Delhi NCR (Maret 2015 - November 2020)
Informasi Rangkap Beliau tidak memiliki rangkap jabatan He has no concurrent positions
Jabatan
Information on
Concurrent Positions
Hubungan Afiliasi Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, He has no affiliation with members of the Board of Directors,
Affiliate Relations anggota Dewan Komisaris lainnya, maupun dengan Pemegang other members of the Board of Commissioners, or with the
Saham Pengendali dan Utama. Controlling and Majority Shareholders.
Kepemilikan Saham Beliau tidak memiliki saham di PT Allo Bank Indonesia Tbk. He does not own shares in PT Allo Bank Indonesia Tbk.
Shareholding
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Company Profile
Pejabat Eksekutif
Executive Officers
Agung Susilo Arief Noorman
Contact Center Head Cyber Risk Head
Contact Center Head Cyber Risk Head
WNI, 49 tahun. WNI, 47 tahun
Mulai bergabung dengan Allo Bank Beliau menjabat sebagai Cyber Risk Head
pada tahun 2023, beliau sebelumnya sejak tahun 2023. Sebelum bergabung
menjabat sebagai Head of Contact Center dengan Allo Bank, beliau memiliki
pada berbagai perusahaan terkemuka
pengalaman panjang dalam berbagai
di Indonesia termasuk PT Mobil Laku
institusi termasuk Smartfren dan Bank
Indonesia, PT Artha Dana Teknologi
(Indodana) dan PT Dwi Cermat Indonesia HSBC dengan spesialisasi IT Security,
(Cermati.com). Governance, Risk dan Compliance.
Beliau merupakan lulusan dari Universitas Beliau meraih gelar S1 Teknik Komputer
Gajah Mada dengan gelar S-2 Marketing dari Insistut Sepuluh November pada
Management pada tahun 2001. tahun 2001.
Indonesian citizen, 49 years old.
Indonesian citizen, 47 years old
Joining Allo Bank in 2023, he previously
served as Head of Contact Center at various He has served as Cyber Risk Head since
leading companies in Indonesia including 2023. Prior to joining Allo Bank, he has
PT Mobil Laku Indonesia, PT Artha Dana long experience in various institutions
Teknologi (Indodana) and PT Dwi Cermat including Smartfren and HSBC Bank with
Indonesia (Cermati.com). specialization in IT Security, Governance,
Risk and Compliance.
He graduated from Gajah Mada University
with a S-2 Marketing Management degree
in 2001. He earned his Bachelor’s degree in
Computer Engineering from Sepistut
Sepuluh November in 2001.
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Aryanto Halawa Bagus Razy Bambang
Finance & Accounting Head Syabandita Hakim Wijayanto
Finance & Accounting Head
Treasury Head Legal Head
Treasury Head Legal Head
WNI, 47 Tahun
Beliau menjabat sebagai Finance & WNI, 27 Tahun WNI, 52 tahun
Accounting Head sejak tahun 2022.
Sebelum bergabung dengan Allo Bank, Beliau menjabat sebagai Treasury Head Beliau menjabat sebagai Legal Head sejak
beliau menjabat sebagai Finance, Planning sejak tahun 2022. Sebelumnya beliau tahun 2022, dalam perjalanan perjalanan
& Control Division Head, Bank Harda tercatat pernah menjabat sebagai Retail karirnya beliau pernah menjabat posisi
International (2000-2022). Sales Specialist, Bank Mega (2019 - 2020), strategis di bidang legal di Perusahaan-
dan Treasury Dealer, Bank Mega (2020 - perusahaan besar, di antaranya Legal Head,
Beliau meraih gelar S1 Akuntansi, Universitas 2022). Senior Vice President, PT Bank Digital BCA
terbuka pada tahun 2022. (2021 - 2022), Head of Legal Division,
Beliau meraih gelar S1 Manajemen, Senior Vice President, PT Bank QNB
Universitas Brawijaya pada tahun 2017. Indonesia Tbk (2014 - 2020), dan Legal
Advisory and Special Transaction Head,
Indonesian citizen, 47 years old Vice President, PT Bank UOB Indonesia
(2006 - 2014).
He has served as Finance & Accounting Indonesian citizen, 27 years old
Head since 2022. Prior to joining Allo Bank, Beliau merupakan lulusan dari Universitas
he served as Finance, Planning & Control He has served as Treasury Head since Indonesia dengan gelar S-2 Hukum
Division Head, Bank Harda International 2022. Previously, he served as Retail Sales Ekonomi pada tahun 2014.
(2000-2022). Specialist, Bank Mega (2019 - 2020), and
Treasury Dealer, Bank Mega (2020 - 2022).
He earned his Bachelor’s degree in
Accounting, Open University in 2022. He earned his bachelor’s degree in Indonesian citizen, 52 years old
Management, Brawijaya University in 2017.
He has served as Legal Head since 2022.
In the course of his career, he has held
strategic positions in the legal field in large
companies, including Legal Head, Senior
Vice President, PT Bank Digital BCA (2021
- 2022), Head of Legal Division, Senior
Vice President, PT Bank QNB Indonesia
Tbk (2014 - 2020), and Legal Advisory and
Special Transaction Head, Vice President,
PT Bank UOB Indonesia (2006 - 2014).
He graduated from the University of
Indonesia with a Master’s degree in
Economic Law in 2014.
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Company Profile
Boma Harahap Dani Bayu Angkat Daniel
Digital Non-Lending Product & Internal Audit Head Leonardo Niko
Business Head Internal Audit Head
Digital Non-Lending Product & Application Management Head
Business Head Application Management Head
WNI, 38 Tahun
WNI, 36 tahun Beliau menjabat sebagai Internal Audit Head WNI, 37 Tahun
sejak tahun 2022. Sebelum bergabung
Beliau menjabat sebagai Digital Non- dengan Allo Bank, pengalaman kerja Beliau menjabat sebagai Application
Lending Product & Business Head sejak beliau adalah sebagai Head of Anti Fraud Management Head sejak tahun 2023.
tahun 2022, sebelumnya pernah menjabat Management & Investigation, PT Bank QNB Sebelum bergabung dengan Allo Bank,
posisi strategis meliputi Deputy General Indonesia Tbk (2021-2022), Internal Audit pengalaman kerja beliau adalah sebagai
Manager, Hutchison Tri Indonesia (2019 Manager, PT Akseleran Keuangan Inklusif Information Technology Head, PT Bank
- 2022), dan Product Marketing Lead, Indonesia (2020-2021), dan Head of Anti KEB Hana Indonesia (2014-2022), Java
GOJEK (2017 - 2019). Fraud, PT Inti Bangun Sejahtera Tbk (2017- Framework Engineer, Ewideplus Korea
2020). (2012-2014), dan Java Engineer, Telkom
Beliau merupakan lulusan dari Delft Sigma (2008-2010).
University of Technology dengan gelar Beliau meraih gelar S2 Manajemen,
S-2 Master of Science pada tahun 2014. Universitas Indonesia pada tahun 2016. Beliau meraih gelar S2 Master of
Engineering, Pukyong National University
Beliau meraih gelar S1 Manajemen, (2012)
Universitas Brawijaya pada tahun 2017.
Indonesian citizen, 36 years old
He has served as Digital Non-Lending Indonesian citizen, 37 years old
Product & Business Head since 2022, Indonesian citizen, 38 years old
previously held strategic positions including He has served as Application Management
Deputy General Manager, Hutchison Tri He has served as Internal Audit Head since Head since 2023. Prior to joining Allo Bank,
Indonesia (2019 - 2022), and Product 2022. Prior to joining Allo Bank, his work his work experience was as Information
Marketing Lead, GOJEK (2017 - 2019). experience was as Head of Anti Fraud Technology Head, PT Bank KEB Hana
Management & Investigation, PT Bank Indonesia (2014-2022), Java Framework
He graduated from Delft University of QNB Indonesia Tbk (2021-2022), Internal Engineer, Ewideplus Korea (2012-2014),
Technology with a Master of Science Audit Manager, PT Akseleran Keuangan and Java Engineer, Telkom Sigma (2008-
degree in 2014. Inklusif Indonesia (2020-2021), and Head 2010).
of Anti Fraud, PT Inti Bangun Sejahtera Tbk
(2017-2020). He earned a Master of Engineering degree,
Pukyong National University (2012).
He earned his Master’s degree in
Management, University of Indonesia
in 2016.
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Destya D. Pradityo Dimas Hananto Easter B.U. Tobing
Digital Strategy Head Nugroho Partnership & Business Head
Digital Strategy Head Partnership & Business Head
Compliance & AML CTF Head
Compliance & AML CTF Head
WNI, 38 Tahun WNI, 46 tahun
Beliau menjabat sebagai Digital Strategy WNI, 40 tahun Beliau menjabat sebagai Partnership &
Head sejak tahun 2023. Sebelum Business Head sejak tahun 2022. Sebelum
bergabung dengan Allo Bank, pengalaman Beliau menjabat sebagai Compliance & bergabung dengan Allo Bank, pengalaman
kerja beliau adalah sebagai Managing AML CTF Head sejak tahun 2022. Sebelum kerja beliau adalah sebagai Acquisition &
Director, BTPN Syariah Ventura (Oct 2021 - bergabung dengan Allo Bank, pengalaman Event Head di Bank Mega (2018 - 2022),
Dec 2022), Business Process Management kerja beliau adalah sebagai Kepala Satuan dan Emerging Market Segment Proposition,
& Partnership Head, BTPN Syariah (Sep Kerja Kepatuhan dan APU & PPT, PT Bank Bank OCBC NISP (2015 - 2018).
2021 - Dec 2022), dan Digital Product Digital BCA (2021 - 2022), Wholesale, Retail
Innovation Head, OCBC Indonesia (Mar & Support Compliance Advisor Manager, Beliau memiliki latar belakang pendidikan
2019 -Aug 2021). PT Bank UOB Indonesia (2019 - 2021), dan S-2 Ilmu Komunikasi, Universitas Indonesia
Compliance Advisor, PT Bank OCBC NISP (2003).
Beliau meraih gelar S2 Financial Tbk. (2018 - 2019).
Management, Institut Pertanian Bogor
(2013) Beliau meraih gelar S-1 Manajemen
Perusahaan, Universitas Pancasila (2005) Indonesian citizen, 46 years old
She has served as Partnership & Business
Indonesian citizen, 38 years old Head since 2022. Prior to joining Allo Bank,
Indonesian citizen, 40 years old her work experience was as Acquisition &
He has served as Digital Strategy Head Event Head at Bank Mega (2018 - 2022),
since 2023. Prior to joining Allo Bank, his He has served as Compliance & AML CTF and Emerging Market Segment Proposition,
work experience was as Managing Director, Head since 2022. Prior to joining Allo Bank OCBC NISP (2015 - 2018).
BTPN Syariah Ventura (Oct 2021 - Dec Bank, his work experience was as Head of
2022), Business Process Management & Compliance and AML & CTF Unit, PT Bank S h e h a s a M a s t e r ’s d e g r e e i n
Partnership Head, BTPN Syariah (Sep 2021 Digital BCA (2021 - 2022), Wholesale, Retail Communication Science, University of
- Dec 2022), and Digital Product Innovation & Support Compliance Advisor Manager, Indonesia (2003).
Head, OCBC Indonesia (Mar 2019 -Aug PT Bank UOB Indonesia (2019 - 2021), and
2021). Compliance Advisor, PT Bank OCBC NISP
Tbk. (2018 - 2019).
He earned his Master’s degree in Financial
Management, Bogor Agricultural University He earned his Bachelor’s degree in
(2013). Corporate Management, Pancasila
University (2005).
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Company Profile
Fazlan Asqolani Ferdi Anggriawan Iswibowo
Transaction Monitoring & Growth Head IT Infrastructure & Operations Head
Monitoring Head Growth Head IT Infrastructure & Operations Head
Transaction Monitoring &
Monitoring Head
WNI, 33 tahun WNI, 52 tahun
WNI, 51 tahun Beliau menjabat sebagai Growth Head sejak Beliau menjabat sebagai IT Infrastructure
tahun 2023. Sebelum bergabung dengan & Operations Head sejak tahun 2021.
Beliau menjabat sebagai Transaction Allo Bank, pengalaman kerja beliau adalah Sebelum bergabung dengan Allo Bank,
Monitoring & Monitoring Head sejak sebagai Head of Digital Marketing, Growth pengalaman kerja beliau adalah sebagai
tahun 2022. Sebelum bergabung dengan & Intelligence, Gojek (2020 - 2022), dan IT Support Operation Specialist, PT Bank
Allo Bank, pengalaman kerja beliau Head of Digital Marketing, Moka POS Mega Tbk (2020-2021), dan IT System
adalah sebagai Transaction Monitoring (2018-2020). Engineer & Data Center Operation Head,
& Authorization Head, Bank Mega (2004 PT Wirecard Technologies Indonesia (2018
- 2022), dan Payment Manager, Bank Beliau memiliki latar belakang pendidikan - 2019).
Permata (1997 - 2004). S-1 International Relation and Affairs,
Universitas Gadjah Mada (2013). Beliau memiliki latar belakang pendidikan
Beliau memiliki latar belakang pendidikan S-1 MIS, Universitas Budi Luhur (1998).
S-2 Administrasi Bisnis, Universitas Gadjah
Mada (2013).
Indonesian citizen, 33 years old
Indonesian citizen, 52 years old
He has served as Growth Head since
Indonesian citizen, 51 years old 2023. Prior to joining Allo Bank, his He has served as IT Infrastructure &
work experience was as Head of Digital Operations Head since 2021. Prior to
He has served as Transaction Monitoring Marketing, Growth & Intelligence, Gojek joining Allo Bank, his work experience
& Monitoring Head since 2022. Prior to (2020 - 2022), and Head of Digital was as IT Support Operation Specialist,
joining Allo Bank, his work experience was Marketing, Moka POS (2018-2020). PT Bank Mega Tbk (2020-2021), and IT
as Transaction Monitoring & Authorization System Engineer & Data Center Operation
Head, Bank Mega (2004 - 2022), and He has an educational background of S-1 Head, PT Wirecard Technologies Indonesia
Payment Manager, Bank Permata (1997 International Relations and Affairs, Gadjah (2018 - 2019).
- 2004). Mada University (2013).
He has an educational background of
He has an educational background of S-2 Bachelor’s Degree in MIS, Budi Luhur
Business Administration, Gadjah Mada University (1998).
University (2013).
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Joko Yuniarto Martina Loloate Moch. Riza
Condro J. Ujung Achrullah
Credit Risk Head Credit Operations Head Information Technology
Credit Risk Head Credit Operations Head Security Head
Information Technology Security Head
WNI, 46 tahun WNI, 42 tahun
WNI, 53 tahun
Beliau menjabat sebagai Credit Risk Head Beliau menjabat sebagai Credit Operations
sejak tahun 2022. Sebelum bergabung Head sejak tahun 2022. Sebelum Beliau menjabat sebagai Information
dengan Allo Bank, pengalaman kerja bergabung dengan Allo Bank, pengalaman Technology Security Head sejak tahun
beliau adalah sebagai Head of Product kerja beliau adalah sebagai Credit Division 2023. Sebelum bergabung dengan Allo
Development for Personal Loan, Bank CIMB Head, PT Bank Harda Internasional, Tbk Bank, pengalaman kerja beliau adalah
Niaga (2015), Senior Consultant for Surya (2016 - 2022), dan Credit Approval sebagai Sr. IT Security Project Manager,
Menara Group (2015 - 2018), dan Lead Manager, Operational Risk Management Bank Mandiri (2020 - 2022), dan IT
Business Development Program, PT SAA Analyst, PT. Bank Danamon Indonesia, Tbk Security Services Dept. Head, Bank Mandiri
(2018 - 2022). (2005 - 2016). (2018 - 2020).
Beliau memiliki latar belakang pendidikan Beliau memiliki latar belakang pendidikan Beliau memiliki latar belakang pendidikan
S-2 Magister Business Administration S-1 Pertanian (Sosial Ekonomi Pertanian), S-1 Ilmu Komputer, Universitas Indonesia
Technology, ITB (2003). Universitas Methodist Indonesia (2003). (1997).
Indonesian citizen, 46 years old Indonesian citizen, 42 years old Indonesian citizen, 53 years old
He has served as Credit Risk Head since She has served as Credit Operations Head He has served as Information Technology
2022. Prior to joining Allo Bank, his work since 2022. Prior to joining Allo Bank, her Security Head since 2023. Prior to joining
experience includes Head of Product work experience was as Credit Division Allo Bank, his work experience was as Sr.
Development for Personal Loan, Bank CIMB Head, PT Bank Harda Internasional, IT Security Project Manager, Bank Mandiri
Niaga (2015), Senior Consultant for Surya Tbk (2016 - 2022), and Credit Approval (2020 - 2022), and IT Security Services
Menara Group (2015 - 2018), and Lead Manager, Operational Risk Management Dept. Head, Bank Mandiri (2018 - 2020).
Business Development Program, PT SAA Analyst, PT Bank Danamon Indonesia, Tbk
(2018 - 2022). (2005 - 2016). He has an educational background of
Bachelor of Computer Science, University
His educational background is Master of Her educational background is Bachelor of of Indonesia (1997).
Business Administration Technology, ITB Agriculture (Agricultural Socioeconomics),
(2003). Methodist University of Indonesia (2003).
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Company Profile
Muhamad Husni Nandy Chary Panji Permana
Hudaya Branch Manager Network Operations Head
Branch Manager Network Operations Head
Branch Manager
Branch Manager
WNI, 50 tahun WNI, 43 tahun
WNI, 40 tahun Beliau menjabat sebagai Branch Manager Beliau menjabat sebagai Network
sejak tahun 2022. Sebelum bergabung Operations Head sejak tahun 2022.
Beliau menjabat sebagai Branch Manager dengan Allo Bank, pengalaman kerja beliau Sebelum bergabung dengan Allo Bank,
sejak tahun 2023. Sebelum bergabung adalah sebagai WFB Team Leader, Bank pengalaman kerja beliau adalah sebagai
dengan Allo Bank, pengalaman kerja beliau BTPN (2010 - 2022), dan Relationship E-Channel Reconciliation & Settlement
adalah sebagai Sub-Branch Manager, Bank Manager Commercial, Bank UOB (2009 Head, Bank Mega (2016 - 2022), dan
Mega (2008-2023), danPersonal Marketing - 2010). Product Development (AJK) - Insurance
Officer, Bank HSBC Syariah (2007-2008). Business (bancassurance), Bank CIMB
Beliau memiliki latar belakang pendidikan Niaga (2014 - 2016).
Beliau memiliki latar belakang pendidikan S-1 Manajemen, Universitas Pancasila
S-1 Teknik Kimia, Universitas Islam (1998). Beliau memiliki latar belakang pendidikan
Indonesia Yogyakarta. D-3 Manajemen Informatika, Universitas
Gunadarma (2001).
Indonesian citizen, 50 years old
Indonesian citizen, 40 years old
He has served as Branch Manager since Indonesian citizen, 43 years old
He has served as Branch Manager since 2022. Prior to joining Allo Bank, his work
2023. Prior to joining Allo Bank, his work experience includes WFB Team Leader, He has served as Network Operations Head
experience includes Sub-Branch Manager, Bank BTPN (2010 - 2022), and Relationship since 2022. Prior to joining Allo Bank,
Bank Mega (2008-2023), and Personal Manager Commercial, Bank UOB (2009 his work experience was as E-Channel
Marketing Officer, HSBC Syariah Bank - 2010). Reconciliation & Settlement Head,
(2007-2008). Bank Mega (2016 - 2022), and Product
His educational background is Bachelor of Development (AJK) - Insurance Business
He has an educational background Management, Pancasila University (1998). (bancassurance), Bank CIMB Niaga (2014
of Bachelor of Chemical Engineering, - 2016).
Universitas Islam Indonesia Yogyakarta.
His educational background is Diploma
in Informatics Management, Gunadarma
University (2001).
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Raja Pardede Ratna Ricky Ansen
Credit Head Wahyuningsih Digital Lending Product and
Credit Head Business Head
Funding Head Digital Lending Product and Business
Funding Head Head
WNI, 62 tahun
Beliau menjabat sebagai Credit Head sejak WNI, 54 tahun WNI, 35 tahun
tahun 2022. Sebelum bergabung dengan
Allo Bank, pengalaman kerja beliau adalah Beliau menjabat sebagai Funding Head Beliau menjabat sebagai Digital Lending
sebagai National Credit Review, Restructure sejak tahun 2022. Sebelum bergabung Product and Business Head sejak tahun
& CO Head, Bank Mega (1999 - 2022), dengan Allo Bank, pengalaman kerja 2022. Sebelum bergabung dengan Allo
Group Head BPS (Bank Papan Sejahtera) beliau adalah sebagai Sales Head I WFB, Bank, pengalaman kerja beliau adalah
(1996 - 1999), Team Leader BII (Bank Bank BTPN (2008 - 2021), dan Business sebagai Digital Banking Consumer Lending
International Indonesia) (1990 - 1996), Manager, Bank Danamon (2005 - 2008). Lead, BTPN (2018 - 2021), Incentive
dan Satuan Pengawasan Intern (SPI) Management Head, Bank CIMB Niaga
BPPT (Badan Pengkajian dan Penarapan Beliau adalah lulusan S-1 Pertanian, (2017 - 2018), dan berbagai posisi di Credit
Teknologi) (1987 -1989. Universitas Borobudur (1993). Card Business, Bank Mega (2011 - 2017).
Beliau memiliki latar belakang pendidikan Beliau adalah lulusan S-1 Bachelor of Arts,
S-2 Administrasi Bisnis, Asian Institute of Inti International University (2009).
Management (2009). Indonesian citizen, 54 years old
She has served as Funding Head since
2022. Prior to joining Allo Bank, her work
experience was as Sales Head I WFB, Indonesian citizen, 35 years old
Indonesian citizen, 62 years old Bank BTPN (2008 - 2021), and Business
Manager, Bank Danamon (2005 - 2008). He has served as Digital Lending Product
He has served as Credit Head since and Business Head since 2022. Prior to
2022. Prior to joining Allo Bank, his work She graduated from Bachelor of Agriculture, joining Allo Bank, his work experience was
experience was as National Credit Review, Borobudur University (1993). as Digital Banking Consumer Lending Lead,
Restructure & CO Head, Bank Mega (1999 BTPN (2018 - 2021), Incentive Management
- 2022), Group Head BPS (Bank Papan Head, Bank CIMB Niaga (2017 - 2018), and
Sejahtera) (1996 - 1999), Team Leader various positions in Credit Card Business,
BII (Bank International Indonesia) (1990 - Bank Mega (2011 - 2017).
1996), and Internal Audit Unit (SPI) BPPT
(Agency for the Assessment and Application He graduated from Bachelor of Arts, Inti
of Technology) (1987 -1989). International University (2009).
He has an educational background of
Master of Business Administration, Asian
Institute of Management (2009).
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Rully Feranata Rumiris Fouryentina Sandra
IT Strategy & Governance Head Sinaga Pramita Sari
IT Strategy & Governance Head
Business Planning, Facility & Vendor Process Management Head
Management Head Process Management Head
WNI, 42 tahun Business Planning, Facility & Vendor
Management Head
Beliau menjabat sebagai IT Strategy & WNI, 34 tahun
Governance Head sejak tahun 2022.
Sebelum bergabung dengan Allo Bank, WNI, 51 tahun Beliau menjabat sebagai Process
pengalaman kerja beliau adalah sebagai Management Head sejak tahun 2022.
Department Head IT Strategy & Enterprise Beliau menjabat sebagai Business Planning, Sebelum bergabung dengan Allo Bank,
Architecture PT Bank Danamon Indonesia Facility & Vendor Management Head sejak pengalaman kerja beliau adalah sebagai
Tbk (2021 - 2022), dan Senior Lead tahun 2023. Sebelum bergabung dengan Process Improvement Head, Bank Mega
Enterprise Architecture PT Bank Mandiri Allo Bank, pengalaman kerja beliau (2012 - 2022).
Tbk (2013 - 2021). adalah sebagai Operational Planning
& Performance Management, PT Bank Latar belakang pendidikan terakhir beliau
Latar belakang pendidikan terakhir beliau Maybank Indonesia Tbk. (2019 -2023), adalah S-1 Manajemen, Universitas Trisakti
adalah S-2 Magister Manajemen Fakultas dan Change Management Office Head, (2011).
Ekonomi dan Bisnis dari Universitas PT Bank QNB Indonesia Tbk. (2016 - 2019).
Indonesia (2018).
Latar belakang pendidikan terakhir
beliau adalah S-1 Akunting, Universitas Indonesian citizen, 34 years old
Gunadarma (1996).
Indonesian citizen, 42 years old She has served as Process Management
Head since 2022. Prior to joining Allo
He has served as IT Strategy & Governance Bank, her work experience was as Process
Head since 2022. Prior to joining Allo Bank, Indonesian citizen, 51 years old Improvement Head, Bank Mega (2012 -
his work experience was as Department 2022).
Head IT Strategy & Enterprise Architecture She has served as Business Planning,
PT Bank Danamon Indonesia Tbk (2021 Facility & Vendor Management Head since Her last educational background is Bachelor
- 2022), and Senior Lead Enterprise 2023. Prior to joining Allo Bank, her work of Management, Trisakti University (2011).
Architecture PT Bank Mandiri Tbk (2013 experience was as Operational Planning
- 2021). & Performance Management, PT Bank
Maybank Indonesia Tbk. (2019 -2023),
His latest educational background is and Change Management Office Head,
Master of Management from the Faculty PT Bank QNB Indonesia Tbk. (2016 - 2019).
of Economics and Business, University of
Indonesia (2018). Her last educational background is
Bachelor of Accounting, Gunadarma
University (1996).
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Sonya Rosmala Virna Medina
Collection Head Enterprise, Operational &
Collection Head Market Risk Head
Enterprise, Operational & Market Risk
Head
WNI, 42 tahun
Beliau menjabat sebagai Collection Head WNI, 48 tahun
sejak tahun 2022. Sebelum bergabung
dengan Allo Bank, pengalaman kerja beliau Beliau menjabat sebagai Enterprise,
adalah sebagai Dunner Back End Head, Operational & Market Risk Head sejak
Bank Mega (2004 - 2022). tahun 2021. Sebelum bergabung dengan
Allo Bank, pengalaman kerja beliau adalah
Latar belakang pendidikan terakhir beliau sebagai Head of Risk & Fraud Management,
adalah S-1 Manajemen Perusahaan, PT. Payfazz Teknologi Nusantara (2020 -
Universitas Nasional (2003). 2021), dan Operational Risk Management
Head, Bank UOB (2015 - 2020).
Latar belakang pendidikan terakhir beliau
Indonesian citizen, 42 years old adalah lulusan S-2 Studi Pembangunan,
Institut Teknologi Bandung (2001).
She has served as Collection Head since
2022. Before joining Allo Bank, her work
experience was as Dunner Back End Head,
Bank Mega (2004 - 2022). Indonesian citizen, 48 years old
Her most recent educational background She has served as Enterprise, Operational
is a Bachelor’s degree in Corporate & Market Risk Head since 2021. Before
Management, National University (2003). joining Allo Bank, her work experience was
as Head of Risk & Fraud Management, PT
Payfazz Teknologi Nusantara (2020 - 2021),
and Operational Risk Management Head,
Bank UOB (2015 - 2020).
Her most recent educational background
is a graduate of Masters in Development
Studies, Bandung Institute of Technology
(2001).
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Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Sumber Daya
Manusia
Human Resources
Demografi Karyawan Employee Demographics
Sampai dengan 31 Desember 2023, jumlah karyawan Bank As of 31 December 2023, the Bank employed 380 people, marking
adalah sebanyak 380 orang, mengalami peningkatan sebanyak an increase of 116 people or 44% compared to 2022 which was
116 orang atau sebesar 44% jika dibandingkan dengan tahun 264 people. The increase in the number of Bank employees is
2022 yang sebanyak 264 orang. Peningkatan jumlah karyawan due to organizational growth and development of the Bank’s
Bank dikarenakan pertumbuhan organisasi dan pengembangan business scale.
skala bisnis Bank.
Dalam mengelola Sumber Daya Manusia (SDM) yang dimiliki, Bank In managing its Human Resources (HR), the Bank is committed
berkomitmen untuk melakukan penerimaan, penilaian kinerja, to recruiting, evaluating performance, remuneration and career
remunerasi dan pengembangan karier bagi seluruh karyawan development for all employees without any discrimination based
tanpa membedakan suku, agama, ras, golongan, jenis kelamin on ethnicity, religion, race, socioeconomic status, gender, or
dan kondisi fisik yang bersangkutan. Demografi karyawan hingga physical condition. Employee demographics as of 2023 can be
tahun 2023 dapat dilihat sebagai berikut: seen as follows:
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Good Corporate Governance
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Sustainability Report 101
Pergerakan
380
Jumlah Karyawan
Tahun 2021-2023
Changes in the Number
of Employees 2021-2023 264
129
(orang)
(individuals)
2023 2022 2021
Demografi Karyawan Berdasarkan Level Organisasi
(orang)
Employee Demographics by Organizational Level (individuals)
2023 2022
Level Organisasi
Organizational Level Jumlah Komposisi (%) Jumlah Komposisi (%)
Number of People Composition (%) Number of People Composition (%)
Komisaris
3 0,79% 3 1,14%
Commissioners
Anggota Komite Dewan Komisaris
Board of Commissioners 3 0,79% 2 0,76%
Committee members
Direktur
5 1,32% 5 1,89%
Directors
Pejabat Eksekutif
31 8,16% 27 10,23%
Executive Officers
Kepala Bagian
118 31,05% 10 3,79%
Unit Leaders
Supervisor
50 13,16% 111 42,05%
Supervisor
Staff/Officer
170 44,74% 106 40,15%
Staff/Officers
Jumlah
380 100,00% 264 100,00%
Total
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Profil Perusahaan
Company Profile
Demografi Karyawan Berdasarkan Tingkat Pendidikan
(orang)
Employee Demographics Based on Educational Level (individuals)
2023 2022
Tingkat Pendidikan
Education level Jumlah Komposisi (%) Jumlah Komposisi (%)
Number of People Composition (%) Number of People Composition (%)
Pascasarjana
35 9,21% 15 5,73%
Post Graduate
Sarjana
308 81,05% 234 88,64%
Bachelor’s Degree
Diploma
28 7,37% 2 0,76%
Associate’s Degree
Non-diploma
9 2,37% 13 4,92%
Non-Associate’s Degree
Jumlah
380 100,00% 264 100,00%
Total
Demografi Karyawan Berdasarkan Status Kepegawaian
(orang)
Employee Demographics Based on Employment Status (individuals)
2023 2022
Status Kepegawaian
Employee Status Jumlah Komposisi (%) Jumlah Komposisi (%)
Number of People Composition (%) Number of People Composition (%)
Karyawan Tetap
320 84,21% 223 84,47%
Permanent Employees
Karyawan Kontrak
60 15,79% 41 15,53%
Contract Employees
Jumlah Karyawan
(Tidak Termasuk Outsource)
380 100,00% 264 100,00%
Total Number of Employees
(Outsourced Employees Excluded)
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Good Corporate Governance
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Sustainability Report 103
Demografi Karyawan Berdasarkan Rentang Usia
(orang)
Employee Demographics Based on Age (individuals)
2023 2022
Rentang Usia
Age Jumlah Komposisi (%) Jumlah Komposisi (%)
Number of People Composition (%) Number of People Composition (%)
< 25 tahun
72 18,95% 52 19,70%
< 25 years old
26 s/d 30 tahun
120 31,58% 75 28,41%
26 to 30 years old
31 s/d 40 tahun
121 31,84% 73 27,65%
31 to 40 years old
41 s/d 50 tahun
45 11,84% 39 14,77%
41 to 50 years old
> 50 Tahun
22 5,79% 25 9,47%
> 50 years old
Jumlah
380 100,00% 264 100,00%
Total
Demografi Karyawan Berdasarkan Jenis Kelamin
(orang)
Employee Demographics Based on Gender (individuals)
2023 2022
Jenis Kelamin
Gender Jumlah Komposisi (%) Jumlah Komposisi (%)
Number of People Composition (%) Number of People Composition (%)
Laki-laki
233 61,32% 161 60,98%
Male
Perempuan
147 38,68% 103 39,02%
Female
Jumlah
380 100,00% 264 100,00%
Total
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Profil Perusahaan
Company Profile
Pengelolaan dan
Pengembangan
Kompetensi Karyawan
Employee Competency Management
and Development
Pengembangan Kompetensi Tahun 2023 Competency Development in 2023
Sepanjang tahun 2023, Allo Bank telah melaksanakan Throughout 2023, Allo Bank conducted various
berbagai pengembangan kompetensi baik secara competency developments, focusing on both in hard
hardskills dan softskills sejalan dengan strategi Allo skills and soft skills in line with Allo Bank’s strategy in
Bank dalam mengembangkan bisnis dan siap dalam developing business and preparing to face competition
menghadapi persaingan di industri perbankan berbasis in the digital service-based banking industry. This is
layanan digital. Hal ini sejalan dengan komitmen in line with the Bank’s commitment to continuously
Bank untuk senantiasa meningkatkan kompetensi improve the competency and quality of human resources
dan kualitas SDM dalam agar dapat menghadapi in order to face increasingly competitive business
tantangan bisnis yang semakin kompetitif. Allo Bank challenges. Allo Bank ensures equal opportunities to
memberikan kesempatan yang sama kepada seluruh all employees to foster an innovative and adaptable
pekerja untuk bisa mewujudkan organisasi yang inovatif organizational culture by giving all employees the
dan adaptif terhadap perubahan dengan memberikan opportunity to improve their quality and capacity. It
seluruh karyawan kesempatan dalam meningkatkan is hoped that this competency development will have
kualitas dan kapasitasnya. Pengembangan kompetensi an impact on the quality of digital talents who have
ini diharapkan dapat berdampak pada kualitas the ability to create digital product innovations. These
talenta-talenta digital yang memiliki kemampuan efforts entail comprehensive educational programs and
untuk menciptakan inovasi produk digital. Hal competency development initiatives.
tersebut dilakukan dengan menjalankan program
pendidikan dan pengembangan kompetensi karyawan
secara berkesinambungan.
Program pelatihan yang diselenggarakan oleh Allo Bank, In addition to training programs directly related to
selain yang berkaitan langsung dengan fungsi kerja di job functions across business and support units, Allo
unit bisnis dan unit pendukung, berbagai modul yang Bank also conducts modules addressing regulatory
terkait prosedur dan kebijakan dari Regulator dilakukan procedures and policies. The Bank regularly holds
pula. Bank secara rutin telah menyelenggarakan AML-CFT & CPF training, Anti-Fraud Strategy and
pelatihan APU PPT & PPPSPM, Strategi Anti Fraud serta Handling and Resolving Customer Complaints in
Penanganan dan Penyelesaian Pengaduan Nasabah order to provide the latest insights regarding banking
agar dapat memberikan wawasan terkini terkait dengan cases, new procedures and policies. The Bank also
kasus perbankan, prosedur dan kebijakan baru. Bank conducts regular monitoring of the fulfillment of
juga melakukan pemantauan secara berkala terhadap required competency certification and maintenance
pemenuhan sertifikasi kompetensi yang dipersyaratkan of competency certification in accordance with its field.
dan pemeliharaan sertifikasi kompetensi sesuai dengan The competency certification program in question is
bidangnya. Program sertifikasi kompetensi yang Risk Management Certification (SMR), Rupiah Payment
dimaksud berupa Sertifikasi Manajemen Risiko (SMR), and Currency Management System (SPPUR), Treasury
Sistem Pembayaran dan Pengelolaan Uang Rupiah Certification, as well as other certifications according to
(SPPUR), Sertifikasi Tresuri, serta sertifikasi lain sesuai needs, including certification in the IT and Audit fields.
dengan kebutuhan diantaranya sertifikasi di bidang
IT dan Audit.
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Sustainability Report 105
Seluruh karyawan Allo Bank didorong untuk memiliki integritas All Allo Bank employees are encouraged to have high integrity and
yang tinggi, agility dalam bekerja dengan berpegang kepada Nilai agility in their work by adhering to the Bank’s Core Values as the
Inti Bank sebagai landasan perilaku sehari-hari. Selain itu, seluruh basis for daily conduct. Apart from that, the entire HR management
proses pengelolaan SDM di Allo Bank dilandasi pada peraturan process at Allo Bank is based on statutory regulations and best
perundang-undangan dan best practices pada pengelolaan SDM. practices in HR management. These commitments are proven by
Komitmen-komitmen tersebut dibuktikan dengan penyelenggaraan the implementation of HR training and development which is carried
pelatihan dan pengembangan SDM yang dilakukan dengan out with reference to the training and development framework for
mengacu pada kerangka pelatihan dan pengembangan Standar the Indonesian National Work Competency Standards (SKKNI) and
Kompetensi Kerja Nasional Indonesia (SKKNI) dan Kerangka Kerja the Indonesian National Framework (KKNI) which apply to Banking
Nasional Indonesia (KKNI) yang berlaku untuk Perbankan dan and Financial Services.
Jasa Keuangan.
Allo Bank menyadari akan pentingnya menumbuhkan nilai-nilai Allo Bank realizes the importance of cultivating company values to
perusahaan untuk meningkatkan pelibatan pegawai (employee increase employee engagement, therefore various activities have
engagement). Berbagai kegiatan telah dilakukan di dalam organisasi been carried out within the organization to promote company values.
untuk mengkampanyekan nilai-nilai perusahaan.
Hingga akhir Desember 2023, Bank telah menyelenggarakan As of December 2023, the Bank has organized various education
berbagai program pendidikan dan pelatihan kepada 366 karyawan and training programs for 366 employees or 96.32% of the total
atau 96,32%, dari jumlah karyawan, dengan rata-rata setiap number of employees, with the average employee receiving training
pegawai mendapatkan pelatihan sebanyak 3 kali. 3 times.
Jumlah Jam Pelatihan per
Jumlah Karyawan Jumlah Jam Pelatihan Jumlah Partisipan Pelatihan
Karyawan
Total Employees Number of Training Hours Number of Participants
Training Hours per Employee
380 1.293 3,5 366
Biaya Pengembangan Kompetensi Cost of Competency Development
Bank berkomitmen untuk terus meningkatkan kompetensi SDM The Bank is committed to continuing to improve its HR competencies,
yang dimiliki dengan diwujudkan melalui penyediaan anggaran exemplified by its allocation of a budget for continuous employee
pengembangan kompetensi karyawan secara berkesinambungan. competency development. The rapid growth in the number of
Pesatnya pertumbuhan jumlah karyawan sejalan dengan dinamika employees is in line with the current business dynamics, Allo Bank
bisnis yang terjadi, Allo Bank selaku salah satu Bank Umum berbasis as one of the leading Digital-Based Commercial Bank strives to
Digital terkemuka berupaya meningkatkan pengembangan increase the competency development of its employees from year
kompetensi karyawannya dari tahun ke tahun. to year.
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2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Di tahun 2023, Bank telah merealisasikan biaya pengembangan In 2023, the Bank allocated a total of Rp 3,886,029,433 towards
kompetensi sebesar Rp3.886.029.433, mengalami peningkatan competency development, marking a notable increase of 66%
66% jika dibandingkan dengan tahun 2022 yang sebesar compared to the previous year’s expenditure of Rp 2,337,509,231.
Rp2.337.509.231. Besaran biaya pengembangan kompetensi Bank The amount of the Bank’s competency development costs in the
dalam 2 (dua) tahun terakhir dapat dilihat sebagai berikut: last 2 (two) years is as follows:
dalam Rupiah penuh
in full Rupiah
Perbandingan Realisasi 2023 dan 2022
2023 2022 Comparison of 2023 and 2022
Uraian
(dalam rupiah) (dalam rupiah)
Description
(in rupiah) (in rupiah) Selisih (Rp) Persentase (%)
Difference (Rp) Percentage (%)
Pengembangan Kompetensi 3.886.029.433 2.337.509.231 1.548.520.202 66%%
Competency Development
Perbandingan Biaya
Pengembangan
Kompetensi 3.886.029.433
Comparison of
Competency
Development Costs
2.337.509.231
(Rupiah penuh)
(Full rupiah)
2023 2022
Kebijakan dan Pelaksanaan Rekrutmen Karyawan Employee Recruitment Policy and Implementation
Bank melakukan proses penerimaan atau rekrutmen karyawan, The Bank conducts the employee recruitment process, encompassing
baik yang sudah berpengalaman maupun fresh graduate, secara both experienced and fresh graduates, in a professional manner
profesional sesuai dengan bidang-bidang yang ada dalam tailored to the specific fields within the company. The recruitment
perusahaan. Bank melakukan proses rekrutmen mulai dari tahap procedure begins with the HR planning stage, which involves
perencanaan SDM yang merupakan proses identifikasi dan evaluasi identification and evaluation to determine the requisite HR needs
untuk menghitung kebutuhan beserta profil SDM untuk mendukung and profiles essential for realizing the Bank’s objectives. This HR
pencapaian tujuan Bank. Proses perencanaan SDM ini dilakukan planning process takes into account diverse factors including
dengan mempertimbangkan berbagai aspek, seperti pertumbuhan business expansion, succession planning for retiring employees,
bisnis, persiapan karyawan yang pensiun, karyawan yang promosi/ internal promotions/transfers/rotations, and employee turnover.
mutasi/rotasi dan turnover karyawan.
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Good Corporate Governance
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Sustainability Report 107
Assessment Karyawan Employee Assessment
Untuk menggali potensi dan talenta karyawan yang dapat To explore employee potential and talents that can support the
mendukung pencapaian tujuan yang telah ditetapkan, Bank achievement of predetermined goals, the Bank always conducts
senantiasa melakukan assessment secara berkala pada seluruh regular assessments of all employees. This assessment also acts
karyawan. Assessment ini juga berperan sebagai dasar dalam as a basis for determining the development and fulfillment of the
menentukan pengembangan dan pengisian kebutuhan organisasi company’s organizational needs. In carrying out this assessment, the
perusahaan. Dalam melakukan assessment tersebut, Bank telah Bank has designed Key Performance Indicators (KPI), setting targets,
merancang Key Performance Indicator (KPI), penetapan target, measuring realization, and monitoring realization. Performance and
pengukuran realisasi, serta monitoring realisasinya. Penilaian competency evaluations of employee form the basis for equitable
kinerja dan kompetensi karyawan kemudian digunakan sebagai and transparent remuneration and development decisions, in
pertimbangan atas remunerasi dan pengembangan karyawan yang accordance with applicable regulations.
dilakukan secara adil dan transparan sesuai dengan ketentuan
yang berlaku.
Kesejahteraan Karyawan Employee Welfare
Allo Bank menyadari bahwa Sumber Daya Manusia (SDM) yang Allo Bank realizes that reliable, loyal and competent Human
andal, loyal dan berkompeten berperan strategis dalam mendukung Resources (HR) play a strategic role in supporting business
keberlanjutan usaha serta mengakselerasi pencapaian visi dan misi sustainability and accelerating the achievement of the Bank’s vision
Bank. Di tengah kondisi bisnis yang dinamis dan tingkat persaingan and mission. In the midst of dynamic business conditions and
yang ketat, Bank senantiasa memastikan pengelolaan SDM yang intense levels of competition, the Bank always ensures proper HR
tepat agar dapat memastikan seluruh talenta-talenta yang dimiliki management in order to ensure that all the talents it possesses are
berkualitas dan adaptif dalam kondisi yang terjadi. of high quality and adaptive to current conditions.
Untuk mencapai hal tersebut, Bank juga berupaya untuk In pursuit of this goal, the Bank also strives to improve employee
meningkatkan kesejahteraan karyawan sebagai bentuk apresiasi welfare as a form of appreciation for employee contributions to the
terhadap kontribusi karyawan atas pencapaian kinerja Bank. Bank’s performance accomplishments. Adequate employee welfare
Kesejahteraan karyawan yang memadai diharapkan dapat is expected to be able to mobilize employee abilities optimally in
mengerahkan kemampuan karyawan secara optimal sesuai dengan accordance with their duties and responsibilities.
tugas dan tanggung jawabnya.
Bank memastikan setiap karyawan menerima program kesejahteraan, The Bank ensures that every employee receives a welfare program,
termasuk remunerasi yang kompetitif dan penghargaan sesuai including competitive remuneration and awards according to the
dengan kontribusi yang diberikan kepada Bank. Remunerasi yang contribution made to the Bank. Employee remuneration can be in
diterima oleh karyawan dapat berupa gaji yang telah memenuhi the form of a salary that meets regional minimum wage standards,
standar upah minimum regional, kesempatan mengikuti pendidikan opportunities for education and training, as well as various other
dan pelatihan, serta berbagai fasilitas penunjang kesejahteraan employee welfare support facilities, such as health insurance,
karyawan lain, seperti jaminan kesehatan, jaminan hari tua dan retirement benefits and so on.
lain-lain.
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Company Profile
Komposisi
Pemegang Saham
Shareholders Composition
Komposisi Kepemilikan Saham Allo Bank Composition of Share Ownership of Allo Bank
Rincian Kepemilikan Saham Allo Bank
Details of Allo Bank Share Ownership
2022 2023
Pemegang Saham Persentase Persentase
Shareholder Jumlah Saham Kepemilikan Saham Jumlah Saham Kepemilikan Saham
Total Shares Percentage of Share Total Shares Percentage of Share
Ownership Ownership
PT Mega Corpora 13.228.508.531 60,9% 13.228.508.531 60,9%
PT Bukalapak.com Tbk 2.497.816.903 11,5% 2.497.816.903 11,5%
Abadi Investments Pte. Ltd. 1.521.117.930 7% 1.521.117.930 7%
PT Indolife Investama 1.303.815.386 6% 1.303.815.386 6%
Perkasa
Masyarakat (di bawah 5%) 3.178.997.692 14,6% 3.178.997.692 14,6%
Public (below 5%)
Jumlah 21.730.256.442 100,00% 21.730.256.442 100,00%
Total
Masyarakat (di bawah 5%) PT Mega Corpora
Public (below 5%)
14,6%
PT Indolife Investama Perkasa
60,9%
6%
Abadi Investments Pte. Ltd.
7%
PT Bukalapak.com Tbk
11,5%
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Sustainability Report 109
Komposisi Kepemilikan Saham Allo Bank oleh Dewan Composition of Allo Bank Share Ownership by the
Komisaris dan Direksi Commissioners and Directors
Kepemilikan Saham Allo Bank oleh Komisaris dan Direksi Tahun 2023
Share Ownership of Allo Bank by the Commissioners and Directors in 2023
2022 2023
Nama Jabatan Persentase Persentase
Name Position Kepemilikan Kepemilikan
Jumlah Saham Jumlah Saham
Saham Saham
Total Shares Total Shares
Percentage of Percentage of
Share Ownership Share Ownership
Aviliani Komisaris Utama Independen - - - -
Independent President
Commissioner
Ali Gunawan Komisaris 8.842.900 0,041 9.868.300 0,045
Commissioner
Rosmaya Komisaris Independen - - - -
Independent Commissioner
Indra Utoyo Direktur Utama - - 500.000 0,00
President Director
Ari Yanuanto Asah Direktur Keuangan, Operasi & - - - -
Human Capital
Finance, Operations & Human
Capital Director
Ganda Raharja Rusli Direktur Risiko, 30.384 - 47.384 0,00
Kepatuhan & Hukum
Risk, Compliance & Legal
Director
Sajal Bhatnagar Direktur Digital - - - -
Digital Director
Arief Tendeas Direktur Bisnis - - - -
Business Director
Jumlah 8.873.284 0,041 10.415.684 0,048
Total
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Company Profile
Komposisi Pemegang Saham Allo Bank Berdasarkan Composition of Shareholders of Allo Bank by Status
Status
Rincian Komposisi Pemegang Saham Allo Bank Berdasarkan Status per 31 Desember 2023
Details of Allo Bank Shareholders Composition Based on Status as of December 31, 2023
2022 2023
Persentase
Persentase
Pemegang Saham Kepemilikan
Jumlah Jumlah Kepemilikan
Shareholder Jumlah lembar Saham (%) Jumlah lembar
Investor Investor Saham (%)
saham Percentage saham
Total Total Percentage
Total Shares of Share Total Shares
Investors Investors of Share
Ownership (%)
Ownership (%)
Pemodal Nasional
National Investor
Kepemilikan Institusi Lokal
50 18.875.443.602 86,86 52 18.222.578.773 83,86
Investor of Local Institutions
Kepemilikan Individu Lokal
18.188 390.663.965 1,80 16.799 1.028.006.928 4,73
Investor of Local Individual
Pemodal Asing
Foreign Investor
Kepemilikan Institusi Asing
14 245.785.122 1,13 36 2.441.305.187 11,23
Investor of Foreign Institutions
Kepemilikan Individu Asing
35 2.218.363.753 10,20 23 38.365.554 0,18
Investor of Foreign Individual
Jumlah Keseluruhan
18.287 21.730.256.442 100,00 16.910 21.730.256.442 100,00
Total
Informasi Pemegang Saham Utama/Pengendali Information on Major/Controlling Shareholders Up to
Hingga Nama Pemilik Akhir Last Owner
PT Mega Corpora merupakan pemegang saham pengendali Bank PT Mega Corpora became the controlling shareholder of the
setelah melakukan pengambilalihan saham sebesar 73,71% (tujuh Bank after acquiring 73.71% (seventy-three point seventy-one
puluh tiga koma tujuh puluh satu persen) dari modal ditempatkan percent) of the Bank’s issued and paid-up capital on March 15,
dan disetor Bank pada 15 Maret 2021. Kemudian, Bank melakukan 2021. Subsequently, the Bank changed its business model from
perubahan model bisnis dari bank konvensional menjadi bank a conventional bank to a digitally-based commercial bank, with
umum berbasis digital dengan dukungan dari unit-unit usaha support from business units within and outside the CT Corpora
dalam dan di luar ekosistem CT Corpora. Pada tanggal 31 Mei 2021 ecosystem. On May 31, 2021, after PT Mega Corpora conducted
setelah PT Mega Corpora melakukan Penawaran Tender Wajib, a Mandatory Tender Offer, share ownership in the Bank increased
maka kepemilikan saham dalam Bank menjadi sebesar 90,00% 90.00% (ninety percent).
(sembilan puluh persen).
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Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 111
Perseroan melakukan Penawaran Umum Terbatas (PUT) II dalam To increase its capital, the Company initiated a Limited Public
rangka penambahan modal dengan menerbitkan Hak Memesan Offering (PUT) II, issuing Pre-emptive Rights (HMETD) to its
Efek Terlebih Dahulu (HMETD) kepada para pemegang saham shareholders totalling 7,498,501,776 ordinary shares, constituting
Perseroan sebanyak 7.498.501.776 saham biasa atas nama atau 64.18% of the issued and fully paid-up capital of the Company
sebesar 64,18% dari modal ditempatkan dan disetor penuh after PUT II, with a nominal value of IDR 100,- per share with an
Perseroan setelah PUT II dengan nilai nominal Rp100,- setiap saham exercise price of Rp 100,-. As a result, the Company received a
dengan harga pelaksanaan Rp100,-, sehingga jumlah dana yang total of Rp 749,850,177,600 in funds from this PUT II.
diterima Perseroan dalam PUT II ini sebesar Rp749.850.177.600.
Perseroan melakukan PUT III dalam rangka penambahan modal The Company conducted PUT III to increase its capital by issuing
dengan menerbitkan Hak Memesan Efek Terlebih Dahulu (HMETD) Pre-emptive Rights (HMETD) to the Company’s shareholders totaling
kepada para pemegang saham Perseroan sebanyak 10.047.322.871 10,047,322,871 ordinary shares in their names or 46.24% of the
saham biasa atas nama atau sebesar 46,24% dari modal issued and fully paid-up capital of the Company after PUT III with
ditempatkan dan disetor penuh Perseroan setelah PUT III dengan nominal value IDR 100,- per share with an Exercise Price of IDR
nilai nominal Rp100,- setiap saham dengan Harga Pelaksanaan 478,- per share. Consequently, the Company received a total of
Rp478,- per saham, sehingga jumlah dana yang diterima Perseroan IDR 4,802,620,332,338 in funds from this LPO III.
dalam PUT III ini sebesar Rp4.802.620.332.338.
Setelah serangkaian PUT seperti dijabarkan di atas, Pemegang After a series of LPOs as described above, the Main/Controlling
Saham Utama/Pengendali Allo Bank adalah PT Mega Corpora, Shareholder of Allo Bank is PT Mega Corpora, with ownership of
dengan kepemilikan sebesar 60,9% atau 13.228.508.531 lembar 60.9% or 13,228,508,531 shares. Information regarding the main/
saham. Informasi terkait pemegang saham utama/pengendali Allo controlling shareholders of Allo Bank is as follows:
Bank adalah sebagai berikut:
Nama Pemegang Saham PT Mega Corpora
Name of Shareholder
Bidang Usaha Aktivitas Perusahaan Holding (64200); dan Aktivitas Konsultasi Manajemen Lainnya (70209)
Line of Business Holding Company (64200); and Management Consulting (70209)
Alamat Menara Bank Mega Lt.24, Jl. Kapten P. Tendean Kav. 12-14 A Jakarta Selatan
Address Telp.: (+6221) 79175533
Persentase Kepemilikan 60,9%
Percentage of Ownership
PT Mega Corpora PT Mega Corpora
PT Mega Corpora merupakan perseroan terbatas yang PT Mega Corpora, a limited liability company domiciled in South
berkedudukan di Jakarta Selatan, didirikan berdasarkan Akta Jakarta, was established based on Deed of Establishment No. 53
Pendirian No. 53 tanggal 27 Oktober 1994, yang dibuat di dated October 27, 1994, made before Enimarya Agoes Suwarko,
hadapan Enimarya Agoes Suwarko, S.H., Notaris di Jakarta, dan S.H., Notary in Jakarta, and has been approved by the Ministry of
telah disetujui oleh Menteri Kehakiman dengan Surat Keputusan Justice with Decree No. C2 18944.HT.01.01.TH.94 dated December
No. C2-18944.HT.01.01.TH.94 tanggal 27 Desember 1994 dan 27, 1994 and has been announced in the State Gazette of the
telah diumumkan dalam Berita Negara Republik Indonesia No. 97 Republic of Indonesia No. 97 dated December 3, 1999, Supplement
tanggal 3 Desember 1999, Tambahan No. 8134. Anggaran Dasar No. 8134. The Articles of Association have been amended several
PT Mega Corpora telah mengalami beberapa kali perubahan, times, most recently by Deed No. 11 dated April 21, 2022, made
di mana perubahan terakhir berdasarkan Akta No. 11 tanggal 21 before Dedy Syamri, S.H., Notary in Jakarta, regarding changes
April 2022, yang dibuat di hadapan Dedy Syamri, S.H., Notaris di to the Company’s paid-up capital. This change has been notified
Jakarta, antara lain mengenai perubahan modal disetor Perseroan. to the Directorate General of General Legal Administration of the
Perubahan ini telah diberitahukan kepada Direktorat Jenderal Ministry of Law and Human Rights (“Dirjen AHU”) in Notification
Administrasi Hukum Umum Kementerian Hukum dan Hak Asasi Acceptance Letter No. AHUAH. 01.03-0229746 dated April 22,
Manusia (“Dirjen AHU”) dengan Surat Penerimaan Pemberitahuan 2022.
No. AHU-AH.01.03-0229746 tanggal 22 April 2022.
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Management Report
Profil Perusahaan
Company Profile
Kegiatan Usaha Utama PT Mega Corpora Main Business Activities of PT Mega Corpora
Berdasarkan Pasal 3 Anggaran Dasar PT Mega Corpora, maksud Based on Article 3 of the Articles of Association of PT Mega
dan tujuan serta kegiatan usaha Perusahaan antara lain: Corpora, the aims and objectives and business activities of PT
Mega Corpora are as follows:
1. Aktivitas Perusahaan Holding (64200); dan 1. Holding Company Activities (64200); and
2. Aktivitas Konsultasi Manajemen Lainnya (70209). 2. Other Management Consulting Activities (70209).
Saat ini kegiatan usaha utama PT Mega Corpora adalah dalam Currently, the main business core of PT Mega Corpora cover the
bidang aktivitas perusahaan holding melalui pemilikan saham di holding company’s activities through the ownership of shares in
Entitas Anak yang bergerak dalam bidang jasa usaha perbankan, Subsidiaries, which are engaged in banking, financing, securities
pembiayaan, sekuritas dan asuransi. and insurance business services.
Manajemen Kunci PT Mega Corpora per 31 Desember 2023
Key Management of PT Mega Corpora as of December 31, 2023
Dewan Komisaris
Board of Commissioners
Komisaris Utama/Independen
Chairul Tanjung
President/Independent Commissioner
Komisaris
Zainal Rahman
Commissioner
Direksi
Board of Directors
Direktur Utama
Ardhayadi
President Director
Direktur
Ali Gunawan
Director
Struktur Permodalan dan Komposisi Kepemilikan Capital Structure and Share Ownership Composition
Saham PT Mega Corpora of PT Mega Corpora
Berdasarkan Akta No. 11 tanggal 21 April 2022 yang dibuat di Based on Deed no. 11 dated April 21, 2022 made before Dedy Syamri,
hadapan Dedy Syamri, S.H., Notaris di Jakarta atas Pernyataan S.H., Notary in Jakarta regarding the Statement of Shareholders’
Keputusan Para Pemegang Saham terhadap Perubahan Anggaran Decision on Amendment to the Articles of Association of PT Mega
Dasar PT Mega Corpora yang telah diberitahukan kepada Dirjen Corpora which has been notified to the Director General of AHU
AHU dengan Surat Penerimaan Pemberitahuan No. AHU- in Notification Acceptance Letter No. AHU-AH.01.03.0229746
AH.01.03.0229746 tanggal 22 April 2022, struktur permodalan dated April 22, 2022, the capital structure of PT Mega Corpora
PT Mega Corpora dapat dilihat sebagai berikut: is as follows:
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Sustainability Report 113
Nilai Nominal Rp1.000,- Per Saham
Nominal Value of Rp1,000 Per Share
Jumlah Saham Nilai Nominal
%
Total Share Nominal Value
Modal Dasar
2.000.000.000 2.000.000.000.000 -
Authorized Capital
Modal Ditempatkan dan Disetor Penuh
Issued and fully paid capital
PT CT Corpora 1.445.162.557 1.445.162.557.000 99,99
PT Para Rekan Investama 1 1.000 0,01
Jumlah Modal Ditempatkan dan
Disetor Penuh 1.445.162.558 1.445.162.558.000 100,00
Total Issued and Fully Paid-up Capital
Saham dalam Portepel
554.837.442 554.837.442.000 -
Shares in Portfolio
Struktur Kepemilikan Pemegang Saham Pengendali
Ownership Structure of Controlling Shareholders
Bpk. Chairul Tanjung
97,60%
PT CT Corpora
99,99%
PT Mega Corpora PT Bukalapak.com Tbk AbadiInvestments Pte. Ltd. APT Indolife Investama Perkasa Masyarakat
Public
60,9% 11,5% 7% 7%
14,6%
PT Allo Bank Indonesia Tbk
Pemegang Saham Pengendali Bank adalah PT Mega Corpora, The Bank’s Controlling Shareholders are PT Mega Corpora and Mr.
sementara Sdr. Chairul Tanjung adalah ultimate shareholders Chairul Tanjung is the ultimate shareholder of the Bank. Pursuant to
Bank. Sesuai dengan Pasal 18 ayat (3) Peraturan Presiden No. 13 Article 18 paragraph (3) of Presidential Regulation No. 13 of 2018,
Tahun 2018, Sdr. Chairul Tanjung telah dilaporkan sebagai Pemilik Mr. Chairul Tanjung was reported as the Ultimate Beneficiary Owner
Manfaat Akhir pada tanggal 6 April 2021 melalui situs web Direktorat on April 6, 2021 through the website of the Directorate General of
Jenderal Administrasi Hukum Umum Kementerian Hukum dan Hak General Legal Administration, the Ministry of Law and Human Rights
Asasi Manusia Republik Indonesia www.bo.ahu.go.id. of the Republic of Indonesia. The website is at www.bo.ahu.go.id.
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Profil Perusahaan
Company Profile
Struktur Organisasi Pemegang Saham Pengendali
Organizational Structure of Controlling Shareholders
Dewan Komisaris
Board of Commissioners
Direksi
Board of Directors
Finance Accounting Financial Tax & Litigation Corporate Legal License
Control Custom
Budgeting
Daftar Entitas Anak,
Entitas Asosiasi,
Ventura Bersama dan
Kerja Sama Operasi
List of Subsidiaries, Associated Entities,
Joint Ventures and Joint Operations
Hingga akhir tahun 2023, Allo Bank tidak memiliki As of the end of 2023, Allo Bank had no Subsidiaries,
Entitas Anak, Entitas Asosiasi, Ventura Bersama dan Associated Entities, Joint Ventures and Joint Operations.
Kerja Sama Operasi.
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Struktur Grup
Perusahaan
Company Group Structure
Manajemen
Data Korpora
Sistem
Pembayaran
Digital
CT GLOBAL FINANCE PTE. LTD
GLOBAL AIR PTE. LTD
MINTVILLE CORPORATION
PASIFIC AIR HOLDINGS LTD
FINEGOLD RESOURCES LTD
Keterkaitan Kepengurusan dalam Kelompok Usaha Management Relationships in Bank Business Groups
Bank
Mengacu kepada struktur bisnis PT CT Corpora (“CT Corp”), PT Based on the business structure of PT CT Corpora ("CT Corp"), PT
Mega Corpora merupakan pemegang saham mayoritas PT Allo Mega Corpora is the majority shareholder of PT Allo Bank Indonesia
Bank Indonesia Tbk dan merupakan pilar usaha CT Corp yang Tbk and is the business pillar of CT Corp which oversees business
membawahi unit usaha di sektor keuangan. Posisi PT Mega Corpora units in the financial sector. Aligned with two other business pillar
bersanding sejajar dengan dua kelompok pilar usaha lainnya, yaitu groups—PT Trans Corpora, operating in the media, lifestyle, and
PT Trans Corpora yang bergerak dalam bidang media, lifestyle dan entertainment sector, and PT Management Data Corpora—these
entertainment serta PT Manajemen Data Corpora. Ketiga kelompok three groups of companies conduct business activities in synergy
perusahaan tersebut menjalankan aktivitas bisnis dengan saling within the CT Corp ecosystem.
bersinergi di dalam ekosistem CT Corp.
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Profil Perusahaan
Company Profile
Keanggotaan
dalam Asosiasi
Membership in Associations
Per 31 Desember 2023, Bank tergabung sebagai As of 31 December 2023, the Bank is a member of a
anggota di sejumlah asosiasi, antara lain: number of associations, including:
1. Perhimpunan Bank Swasta Nasional (Perbanas) 1. National Private Banks Association (Perbanas)
2. Asosiasi Sistem Pembayaran Indonesia (ASPI) 2. Indonesian Payment System Association (ASPI)
3. Forum Komunikasi Direktur Kepatuhan Perbankan 3. Communication Forum for Director of Banking
(FKDKP) Compliance (FKDKP)
4. Lembaga Alternatif Penyelesaian Sengketa Sektor 4. Alternative Agencies for Dispute Resolution in
Jasa Keuangan (LAPS SJK) Financial Services (LAPS SJK)
Kronologis
Penerbitan dan/atau
Pencatatan Saham
Chronology of Issuance and/or Share Listing
1. Rencana Go Public Perseroan bermula dari 1. The Company’s plan to go public commenced
tahun 2014 dan sejak saat itu, Perseroan mulai in 2014 and has since started the selection of
melakukan seleksi untuk pemilihan lembaga dan supporting institutions and professions, including
profesi penunjang, termasuk melakukan perubahan the amendment of the Articles of Association.
Anggaran Dasar.
2. Due Diligence Meeting & Public Expose berlangsung 2. Due Diligence Meeting & Public Expose took place
pada tanggal 13 Juli 2015 di Ballroom ASEAN Tower on July 13, 2015 at the Ballroom of ASEAN Tower
Lantai 9, Pasar Baru - Jakarta Pusat. 9th Floor, Pasar Baru - Central Jakarta.
3. Pernyataan efektif oleh Pengawas Pasar Modal 3. An effective statement by the Capital Market
Otoritas Jasa Keuangan diperoleh tanggal 31 Supervisor of the Financial Services Authority was
Juli 2015. Sedangkan masa penawaran umum obtained on July 31, 2015. Meanwhile, the public
berlangsung pada tanggal 4 - 6 Agustus 2015. offering period lasted from August 4-6, 2015.
4. Dalam penawaran penjatahan pasti (fixed allotment) 4. Fixed allotment bidding was limited to 98% of the
dibatasi sampai dengan jumlah sebesar 98% total shares offered and the remaining 2% will be
dari jumlah saham yang ditawarkan dan sisanya done by pooling.
sebanyak banyaknya 2% akan dilakukan penjatahan
terpusat (pooling).
5. Pencatatan efektif saham Allo Bank dengan kode 5. The effective listing of Allo Bank’s shares with BBHI’s
saham BBHI di BEI dilaksanakan pada tanggal ticker code on the IDX was carried out on August 12,
12 Agustus 2015, dengan melakukan penawaran 2015, by offering the public 800,000,000 shares
saham kepada masyarakat sebanyak 800.000.000 with a price of Rp125 per share.
saham dengan harga Rp125 per lembar saham.
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6. Pada 14 Juli 2017, Pemegang Saham Pengendali 6. On July 14, 2017, controlling shareholders injected
(PSP) melakukan Penambahan Modal Tanpa the paid-up capital to the Company after the IPO
Memberikan Hak Memesan Efek Terlebih Dahulu in the amount of 365,000,000,000 with a price
sebanyak 365.000.000 lembar saham dengan of Rp100 per share.
harga Rp100 per lembar saham.
7. Perseroan melakukan Penawaran Umum Terbatas I 7. On July 4, 2018, the Company conducted Limited
pada 4 Juli 2018 dalam rangka penambahan modal Public Offering to increase the capital, by issuing
dengan menerbitkan Hak Memesan Efek Terlebih Pre-emptive Rights to the Company’s shareholders
Dahulu (HMETD) kepada para pemegang saham for as many as 169,431,795 shares with a price of
Perseroan sebanyak 169.431.795 saham dengan Rp200 per share.
harga Rp200 per lembar saham.
8. Perseroan melakukan PUT II pada 14 Juli 2021 8. The Company conducted Limited Public Offering II
dalam rangka penambahan modal dengan on July 14, 2021 to increase the capital by issuing
menerbitkan Hak Memesan Efek Terlebih Dahulu Pre-emptive Rights to the Company’s shareholders
(HMETD) kepada para pemegang saham Perseroan for as many as 7,498,501,776 ordinary shares or
sebanyak 7.498.501.776 saham biasa atas nama 64.18% of the issued and fully paid capital of the
atau sebesar 64,18% dari modal ditempatkan dan Company after Limited Public Offering II at the
disetor penuh Perseroan setelah PUT II dengan nominal value of Rp100 per share. Thus, the amount
nilai nominal Rp100 setiap saham, sehingga jumlah that the Company received in this PMHMETD is
dana yang diterima Perseroan dalam PMHMETD Rp749,850,177,600.
ini sebesar Rp749.850.177.600.
9. Perseroan melakukan PUT III pada 2022 dalam 9. The Company conducted Limited Public Offering
rangka penambahan modal dengan menerbitkan III in 2022 to increase the capital by issuing Pre
Hak Memesan Efek Terlebih Dahulu (HMETD) emptive Rights to the Company’s shareholders
kepada para pemegang saham Perseroan sebanyak for as many as 10,047,322,871 ordinary shares or
10.047.322.871 saham biasa atas nama atau sebesar 46.24% of the issued and fully paid capital of the
46,24% dari modal ditempatkan dan disetor Company after Limited Public Offering III at the
penuh Perseroan setelah PMHMETD III dengan nominal value of Rp100 per share with an exercise
nilai nominal Rp100,- setiap saham dengan Harga price of Rp478 per share. Thus, the amount that
Pelaksanaan Rp478,- per saham, sehingga jumlah the Company received in this PMHMETD III is
dana yang diterima Perseroan dalam PMHMETD Rp4,802,620,332,338.
III ini sebesar Rp4.802.620.332.338.
Kronologis Penerbitan
dan/atau Pencatatan
Efek Lainnya
Chronology of Issuance and/or Share Listing
Hingga 31 Desember 2022, Allo Bank tidak menerbitkan As of December 31, 2022, Allo Bank did not issue
efek seperti obligasi, sukuk, obligasi konversi atau efek securities such as bonds, sukuk, convertible bonds or
lainnya di bursa efek, baik yang berada di Indonesia other securities on stock exchanges, both in Indonesia
maupun di luar negeri. Dengan demikian, tidak terdapat and abroad. Thus, there is no information regarding
informasi mengenai hal tersebut yang dapat disajikan this matter that can be submitted in this Annual Report.
dalam Laporan Tahunan ini.
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Profil Perusahaan
Company Profile
Lembaga dan/atau Profesi
Penunjang Perusahaan
Company’s Supporting Institutions
and/or Professionals
Kantor Akuntan Publik
Public Accounting Firm
Nama Lembaga/Profesi KAP Amir Abadi Jusuf, Aryanto, Mawar & Rekan (RSM Indonesia)
Name of Institution/Profession
Alamat Plaza Asia Level 10
Address Jl. Jend. Sudirman Kav. 59
Jakarta 12190, Indonesia
T: +62 21 5140 1340
F: +62 21 5140 1540
Nama Akuntan Bimo Iman Santoso, S.E., Ak., CPA
Name of Accountant
Izin Akuntan STTD.AP-51/PB.122/2019
Accountant License
Jasa yang Diberikan Mengaudit Laporan Keuangan Bank untuk tahun buku yang berakhir 31
Service Provided Desember 2023.
Audit Bank’s Financial Statement for the financial year ends December 31,
2023.
Biaya Jasa Rp. 950.000.000,-
Service Fees
Biro Administrasi Efek
Share Register
Nama Lembaga/Profesi PT Datindo Entrycom
Name of Institution/Profession
Alamat Jl. Hayam Wuruk No. 28
Address Jakarta 10120
T: +62 21 350 8077 (Hunting)
F: +62 21 350 8078
Jasa yang Diberikan Administrasi saham Bank atas data pemegang saham bulanan dan
Service Provided recording date.
Share administration of Bank’s monthly shareholder data and
recording date.
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Sustainability Report 119
Notaris
Notary
Nama Lembaga/Profesi Kantor Notaris Dharma Akhyuzi
Name of Institution/Profession
Alamat Jl. Otista III No. 117
Address Cipinang Cempedak, Jatinegara
Jakarta 13340, Indonesia
T: +62 21-8515502
Jasa yang Diberikan Pembuatan Akta Rapat Umum Pemegang Saham Tahunan 2023.
Service Provided Preparation of the Deed for the 2023 Annual General Meeting of
Shareholders
Bursa
Exchange
Nama Lembaga/Profesi Bursa Efek Indonesia
Name of Institution/Profession Indonesia Stock Exchange
Alamat Bursa Efek Indonesia Building Tower
Address Jl.Jend Sudirman Kav. 52-53
Jakarta 12190, Indonesia
Jasa yang Diberikan Pencatatan saham Perseroan
Service Provided Listing of Company shares
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Profil Perusahaan
Company Profile
Penghargaan dan Sertifikasi
Awards and Certifications
Penghargaan yang Diperoleh Perusahaan di Tahun 2023
Awards Achieved by the Company in 2023
Nama Penghargaan Diberikan Oleh
No.
Name of the Award Given By
1. 4th Indonesia Top Bank Awards 2023: Bapak Indra Utoyo in Top 10 Banking CEO The Iconomics
2. 4th Indonesia Top Bank Awards 2023: Top Winner in KBMI 2 Category The Iconomics
3. The Asian Banker Indonesia Excellence Awards 2023: Best Digital-Only Bank 2023 The Asian Banker
4. 28th Infobank Award 2023: The Best Financial Performance KBMI 2 Bank in 2023 Infobank
5. Marketeer Youth Choice Award 2023: Gold Award of Digital Bank Marketeers
6. The Best Performing Bank 2023 with Assets Rp10-25 trillion The Finance
Sertifikasi yang Masih Berlaku Hingga Tahun 2023
Certification that Still Valid until 2023
Tanggal
Dikeluarkannya Masa Berlaku
Jenis Sertifikat Dikeluarkan Oleh
Sertifikasi Hingga
Type of Certificate Issued By
Date of Certificate Valid Until
Issuance
28 Juni 2023 ISO/IEC 27001:2022 CBQA Global Indonesia 27 Juni 2026
June 28, 2023 June 27, 2026
17 Oktober 2023 Rating Korporasi dengan peringkat “idA” dengan prospek Stabil PT Pemeringkat Efek Indonesia 1 Oktober 2024
October 17, 2023 Corporate Rating with “idA” rating with Stable prospects (Pefindo) October 1, 2024
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Sustainability Report 121
Informasi pada Situs
Web Perusahaan
Information on the Company Website
PT Allo Bank Indonesia Tbk memiliki situs web resmi sebagai bagian PT Allo Bank Indonesia Tbk has an official website for transparency
dari komitmen atas penerapan prinsip transparansi dan keterbukaan purpose to the public. The website, www.allobank.com, serves as a
informasi bagi publik secara komunikatif dan ter-update dengan means of communication and providing updated information about
alamat www.allobank.com. Informasi yang tersedia pada situs web the Bank to the public. This website is the Bank’s official portal
resmi Bank dapat diakses secara terbuka, kapan saja, dan di mana which is simple and easy to access anytime and anywhere. The
saja, serta mudah dan sederhana dengan tujuan memberikan Bank’s official website, which is presented in two languages, namely
informasi yang komprehensif, akurat dan aktual tentang Bank Indonesian and English, has contents that are in accordance with
kepada khalayak luas. Situs web resmi Bank yang disajikan dengan Financial Services Authority Regulation (POJK) No. 8/POJK.4/2015
dua bahasa, yaitu bahasa Indonesia dan bahasa Inggris, juga telah concerning Issuer or Public Company Websites, which requires
sesuai dengan Peraturan Otoritas Jasa Keuangan (POJK) No. 8/ submitting information regarding, among others:
POJK.4/2015 tentang Situs Web Emiten atau Perusahaan Publik,
yang mewajibkan menyampaikan informasi mengenai, antara lain:
1. Informasi Umum Emiten atau Perusahaan Publik; 1. General Information of Issuers or Public Companies;
2. Informasi bagi Pemodal atau Investor; 2. Information for Investors;
3. Informasi Tata Kelola Perusahaan 3. Information on Corporate Governance.
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Profil Perusahaan
Company Profile
Ketersediaan Informasi pada Situs Web Perusahaan Berdasarkan POJK No. 8/POJK.4/2015
The Availability of Information on the Company’s Website Based on POJK No. 8/POJK.4/2015
Uraian Ketersediaan Keterangan
Description Availability Website Address
Informasi pemegang saham sampai dengan pemilik akhir https://www.allobank.com/about-us/investor-relations
individu
Shareholder information including last owner
Isi Kode Etik https://www.allobank.com/about-us/investor-relations
Code of Conduct
Informasi Rapat Umum Pemegang Saham (RUPS) paling https://www.allobank.com/about-us/investor-relations
kurang meliputi bahan mata acara yang dibahas dalam RUPS,
ringkasan risalah RUPS, dan informasi tanggal penting yaitu
tanggal pengumuman RUPS, tanggal pemanggilan RUPS,
tanggal RUPS, tanggal ringkasan risalah RUPS diumumkan
Information on the General Meeting of Shareholders (GSM),
includes agenda items discussed at the GMS, the minutes of
GMS and information on important dates, namely the date of
the announcement of the GMS, the date of the summons for
the GMS, the date of the GMS, the date of the summary of
the minutes of the GMS is announced.
Laporan Keuangan Tahunan (5 tahun terakhir) https://www.allobank.com/about-us/investor-relations
Annual Financial Report (the last 5 years)
Profil Dewan Komisaris dan Direksi https://www.allobank.com/about-us/profiles
Profiles of the Board of Commissioners and Directors
Piagam Dewan Komisaris, Direksi, Komite-komite, dan Satuan https://www.allobank.com/about-us/investor-relations
Kerja Audit Internal
Charters of the Board of Commissioners, Board of Directors,
Committees, and Internal Audit Unit
Informasi keterbukaan informasi lainnya https://www.allobank.com/about-us/investor-relations
Other disclosure Information
= tersedia pada situs web Perusahaan / available on the Company’s website
= belum tersedia pada situs web Perusahaan / not available on the Company’s website
Semua informasi yang disajikan dalam website Bank senantiasa All information presented on the Bank’s website is regularly updated
diperbaharui secara berkala untuk memberikan informasi ter- to provide updated information for all stakeholders and the public.
update bagi segenap pemangku kepentingan maupun masyarakat The Bank also has social media accounts as part of information
umum. Bank juga memiliki akun media sosial sebagai bagian dari disclosure and communication to all stakeholders, including
keterbukaan informasi dan komunikasi kepada seluruh pemangku Facebook, Instagram, Tiktok, Twitter and Youtube.
kepentingan, di antaranya Facebook, Instagram, Tiktok, Twitter
dan Youtube.
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 125
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 123
Pendidikan dan/atau
Pelatihan Dewan Komisaris,
Direksi, Komite-Komite,
Sekretaris Perusahaan dan
Unit Audit Internal
Education and/or Training for Board
of Commissioners, Board of Directors,
Committees, Corporate Secretary, and
Internal Audit Unit
Jenis Pendidikan dan Materi Pendidikan dan
Nama dan Jabatan Pelatihan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Types of Education Education and Training Place/Date Organizer
and Training Material
Dewan Komisaris
Board of Commissioners
Aviliani In House Refreshment Sertifikasi 05/07/2023 Efektifpro
Manajemen Risiko, Efektifpro,
Komisaris Utama Jakarta (2023)
Independen Refreshment Certification of
Independent President Risk Management, Efektifpro,
Commissioner Jakarta (2023)
Ali Gunawan In House Refreshment Sertifikasi 05/07/2023 Efektifpro
Manajemen Risiko, Efektifpro,
Komisaris Jakarta (2023)
Commissioner Refreshment Certification of
Risk Management, Efektifpro,
Jakarta (2023)
Off House Risk and Governance 30/11/2023 OJK
Summit (RGS) Tahun 2023
Sustainable Governance Digital
Transformation as a Game
Changer Ethical Culture as
Value Keeper
Risk and Governance Summit
(RGS) 2023 Sustainable
Governance Digital
Transformation as a Game
Changer Ethical Culture as
Value Keeper
2023 Annual Report & Sustainability Report
Page 126
124 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Jenis Pendidikan dan Materi Pendidikan dan
Nama dan Jabatan Pelatihan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Types of Education Education and Training Place/Date Organizer
and Training Material
Rosmaya In House Refreshment Sertifikasi 05/07/2023 Efektifpro
Manajemen Risiko, Efektifpro,
Komisaris Independen Jakarta (2023)
Independent Refreshment Certification of
Commissioner Risk Management, Efektifpro,
Jakarta (2023)
Off House Sosialisasi Peraturan Otoritas 19/09/2023 OJK
Jasa Keuangan Tentang
Penerapan Tata Kelola Bagi
Bank Umum
Socialization of Financial
Services Authority
Regulations Concerning
the Implementation of
Governance for Commercial
Banks
Off House Risk And Governance 30/11/2023 OJK
Summit (RGS) Tahun 2023
Sustainable Governance Digital
Transformation as a Game
Changer Ethical Culture as
Value Keeper
Risk And Governance Summit
(RGS) 2023 Sustainable
Governance Digital
Transformation as A Game
Changer Ethical Culture as
Value Keeper
Direksi
Board of Directors
Indra Utoyo In House Rapat Koordinasi Tahun 2023 19/01/2023 PPATK
Coordination Meeting in 2023
Direktur Utama
President Director
In House Undang Undang Pelindungan 16/02/2023 Kementrian Komunikasi
Data Pribadi dan Informatika Republik
Implementasinya di PT Allo Indonesia
Bank Indonesia Tbk
Personal Data Protection Law
and Its Implementation at PT
Allo Bank Indonesia Tbk
Off House Forum Koordinasi Perizinan 19/06/2023 Bank Indonesia
& Layanan Kebanksentralan
Central Banking Services
Festival (CBFest) 2023
Central Banking Licensing &
Services Coordination Forum
Central Banking Services
Festival (CBFest) 2023
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 127
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 125
Jenis Pendidikan dan Materi Pendidikan dan
Nama dan Jabatan Pelatihan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Types of Education Education and Training Place/Date Organizer
and Training Material
In House Refreshment Sertifikasi 05/07/2023 Efektifpro
Manajemen Risiko - BSMR
yang diselenggarakan
Efektifpro, Jakarta (2023)
Refreshment of Risk
Management Certification
- BSMR held by Efektifpro,
Jakarta (2023)
Off House International Talks 2023 03/10/2023 Bank Indonesia
Leveraging Digital Central
Banking Services for Economic
Recovery
Off House Sharing Knowledge 17/11/2023 Perbanas
Sustainability
In House Pengujian Business Continuity 15/12/2023 Konsultan Observasi BCM
Management atau Crisis Exercise Haldi Z
Management Plan Melalui
Table Top Exercise
Examining Business Continuity
Management or Crisis
Management Plan Through
Table Top Exercise
In House Team Building Allo Temu 2023 16/12/2023 Manajemen Allo Bank dan
PT Ruhama Berkah Mandiri
Ari Yanuanto Asah In House Refreshment Sertifikasi 05/07/2023 Efektifpro
Manajemen Risiko - BSMR
Direktur Keuangan, yang diselenggarakan
Operasi & Human Capital Efektifpro, Jakarta (2023)
Finance, Operations & Refreshment of Risk
Human Capital Director Management Certification
- BSMR held by Efektifpro,
Jakarta (2023)
Off House Pelaksanaan Program 03/10/2023 Dirjen Dukcapil
Kegiatan Tahun Anggaran
2023 Direktorat Data
Kependudukan Nasional
Implementation of the 2023
Fiscal Year Activity Program
of the Directorate of National
Population Data
In House Pengujian Business Continuity 15/12/2023 Konsultan Observasi BCM
Management atau Crisis Exercise Haldi Z
Management Plan Melalui
Table Top Exercise
Examining Business Continuity
Management or Crisis
Management Plan Through
Table Top Exercise
In House Team Building Allo Temu 2023 16/12/2023 Manajemen Allo Bank dan
PT Ruhama Berkah Mandiri
2023 Annual Report & Sustainability Report
Page 128
126 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Jenis Pendidikan dan Materi Pendidikan dan
Nama dan Jabatan Pelatihan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Types of Education Education and Training Place/Date Organizer
and Training Material
Arief Tendeas Off House Seminar Nasional Pembiayaan 17/02/2023 Bank Indonesia
UMKM Melalui Multichannel
Direktur Bisnis National Seminar on
Business Director MSME Financing Through
Multichannel
Off House Launching dan Sosialisasi 01/03/2023 Bank Indonesia
Market Code of Conduct
(Brown Book) Edisi 4
Launching and Socialization
of Market Code of Conduct
(Brown Book) 4th Edition
In House Refreshment Sertifikasi 05/07/2023 Efektifpro
Manajemen Risiko - BSMR
yang diselenggarakan
Efektifpro, Jakarta (2023)
Refreshment of Risk
Management Certification
- BSMR held by Efektifpro,
Jakarta (2023)
Off House Forum Diskusi 26/07/2023 Bank Indonesia
Makroprudensial Arah Kredit
Perbankan 2023 di Tengah
Tantangan Domestik dan
Global
Macroprudential Discussion
Forum on Banking Credit
Direction in 2023 Amid
Domestic and Global
Challenges
Off House Diskusi Perumusan Anggaran 12/10/2023 Bank Indonesia
Dasar Assosiasi Pasar Uang
dan Pasar Valuta Asing
Indonesia APUVINDO
Discussion on the Formulation
of the Articles of Association
of the Indonesian Money
Market and Foreign
Exchange Market Association
APUVINDO
In House Pengujian Business Continuity 15/12/2023 Konsultan Observasi BCM
Management atau Crisis Exercise Haldi Z
Management Plan Melalui
Table Top Exercise
Examining Business Continuity
Management or Crisis
Management Plan Through
Table Top Exercise
In House Team Building Allo Temu 2023 16/12/2023 Manajemen Allo Bank dan
PT Ruhama Berkah Mandiri
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 129
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 127
Jenis Pendidikan dan Materi Pendidikan dan
Nama dan Jabatan Pelatihan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Types of Education Education and Training Place/Date Organizer
and Training Material
Off House Webinar AKUBISA Akses 18/12/2023 Bank Indonesia
Keuangan UMKM Melalui
Business Matching dan Literasi
untuk Peningkatan Daya Saing
AKUBISA Webinar Accessing
MSME Finance Through
Business Matching and
Literacy to Increase
Competitiveness
Ganda Off House Pertemuan Terkait SEOJK 16/01/2023 OJK
Raharja Rusli Tentang Sertifikasi Manajemen
Risiko bagi Sumber Daya
Direktur Risiko, Manusia Bank Umum
Kepatuhan & Hukum SEOJK Related Meeting
Risk, Compliance & Legal Concerning Risk Management
Director Certification for Commercial
Bank Human Resources
Off House Rapat Koordinasi Tahun 2023 19/01/2023 PPATK
Coordination Meeting in 2023
In House Workshop Internal EOMR dan 10/02/2023 Divisi EOMR dan Cyber
Cyber Risk Risk
Internal EOMR and Cyber Risk
Workshop
In House Undang Undang Pelindungan 16/02/2023 Kementrian Komunikasi
Data Pribadi dan Informatika Republik
Implementasinya di PT Allo Indonesia
Bank Indonesia Tbk
Personal Data Protection Law
and Its Implementation at
PT Allo Bank Indonesia Tbk
Off House Undangan Pertemuan 23/05/2023 PPATK
Koordinasi
Invitation to Coordination
Meeting
In House Refreshment Sertifikasi 05/07/2023 Efektifpro
Manajemen Risiko - BSMR
yang diselenggarakan
Efektifpro, Jakarta (2023)
Refreshment of Risk
Management Certification
- BSMR held by Efektifpro,
Jakarta (2023)
Off House FGD Tim Kerja Analisis 22/08/2023 PPATK
Kolaboratif PPATK Terkait
Pemilihan Umum dan
Pemilihan Kepala Daerah
FGD of the PPATK
Collaborative Analysis
Working Team regarding
General Elections and
Regional Head Elections
2023 Annual Report & Sustainability Report
Page 130
128 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Jenis Pendidikan dan Materi Pendidikan dan
Nama dan Jabatan Pelatihan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Types of Education Education and Training Place/Date Organizer
and Training Material
Off House Webinar Compliance 22/08/2023 OJK
Refreshment Emiten dan
Perusahaan Publik
Compliance Refreshment
Webinar for Issuers and Public
Companies
Off House Sosialisasi Peraturan Otoritas 19/09/2023 OJK
Jasa Keuangan Tentang
Penerapan Tata Kelola Bagi
Bank Umum
Socialization of Financial
Services Authority
Regulations Concerning
the Implementation of
Governance for Commercial
Banks
Off House Diseminasi Hasil Pengukuran 02/11/2023 PPATK
Financial Integrity Rating
On Money Laundering and
Terrorist Financing Tahun
2023 Secara Onsite
Dissemination of Financial
Integrity Rating on Money
Laundering and Terrorist
Financing Measurement
Results in 2023 Onsite
Off House Risk and Governance 30/11/2023 OJK
Summit (RGS) Tahun 2023
Sustainable Governance Digital
Transformation as a Game
Changer Ethical Culture as
Value Keeper
Risk And Governance Summit
(RGS) 2023 Sustainable
Governance Digital
Transformation as A Game
Changer Ethical Culture as
Value Keeper
In House Pengujian Business Continuity 15/12/2023 Konsultan Observasi BCM
Management atau Crisis Exercise Haldi Z
Management Plan Melalui
Table Top Exercise
Examining Business Continuity
Management or Crisis
Management Plan Through
Table Top Exercise
In House Team Building Allo Temu 2023 16/12/2023 Manajemen Allo Bank dan
PT Ruhama Berkah Mandiri
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 131
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 129
Jenis Pendidikan dan Materi Pendidikan dan
Nama dan Jabatan Pelatihan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Types of Education Education and Training Place/Date Organizer
and Training Material
Sajal Bhatnagar In House Refreshment Sertifikasi 05/07/2023 Efektifpro
Manajemen Risiko - BSMR
Direktur Digital yang diselenggarakan
Digital Director Efektifpro, Jakarta (2023)
Refreshment of Risk
Management Certification
- BSMR held by Efektifpro,
Jakarta (2023)
In House Pengujian Business Continuity 15/12/2023 Konsultan Observasi BCM
Management atau Crisis Exercise Haldi Z
Management Plan Melalui
Table Top Exercise
Examining Business Continuity
Management or Crisis
Management Plan Through
Table Top Exercise
In House Team Building Allo Temu 16/12/2023 Manajemen Allo Bank dan
2023 PT Ruhama Berkah Mandiri
Komite Audit dan Komite Pemantau Risiko
Audit Committee and Risk Monitoring Committee
Aulia Usmanto In House Refreshment Sertifikasi 05/07/2023 Efektifpro
Manajemen Risiko, Efektifpro,
Anggota Komite Audit Jakarta (2023)
Member of the Audit Refreshment Certification of
Committee Risk Management, Efektifpro,
Jakarta (2023)
Lista Irna In House Refreshment Sertifikasi 05/07/2023 Efektifpro
Manajemen Risiko, Efektifpro,
Anggota Komite Jakarta (2023)
Pemantau Risiko Refreshment Certification of
Member of the Risk Risk Management, Efektifpro,
Monitoring Committee Jakarta (2023)
Off House Konferensi Nasional IIA 30/08/2023 Institute Of Internal
Indonesia Tahun 2023 Auditors Indonesia
IIA Indonesia National
Conference 2023
Siswandi Pujo In House Undang Undang Pelindungan 16/02/2023 Kementrian Komunikasi
Sasongko Data Pribadi dan Informatika Republik
Implementasinya di PT Allo Indonesia
Anggota Komite Audit Bank Indonesia Tbk
Member of the Audit Personal Data Protection Law
Committee and Its Implementation at PT
Allo Bank Indonesia Tbk
In House Refreshment Sertifikasi 05/07/2023 Efektifpro
Manajemen Risiko, Efektifpro,
Jakarta (2023)
Refreshment Certification of
Risk Management, Efektifpro,
Jakarta (2023)
Off House Konferensi Nasional IIA 30/08/2023 Institute Of Internal
Indonesia Tahun 2023 Auditors Indonesia
IIA Indonesia National
Conference 2023
2023 Annual Report & Sustainability Report
Page 132
130 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Jenis Pendidikan dan Materi Pendidikan dan
Nama dan Jabatan Pelatihan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Types of Education Education and Training Place/Date Organizer
and Training Material
Komite Remunerasi dan Nominasi
Remuneration and Nomination Committee
Netty Delima In House Pengujian Business Continuity 15/12/2023 Konsultan Observasi BCM
Management atau Crisis Exercise Haldi Z
Anggota Komite Management Plan Melalui
Remunerasi dan Nominasi Table Top Exercise
Member of the Examining Business Continuity
Remuneration and Management or Crisis
Nomination Committee Management Plan Through
Table Top Exercise
In House Team Building Allo Temu 2023 16/12/2023 Manajemen Allo Bank dan
PT Ruhama Berkah Mandiri
Sekretaris Perusahaan
Corporate Secretary
Stacey Aryadi Off House Sosialisasi SEOJK No.33/ 31/01/2023 OJK
Suryoputro SEOJK.04/2022 Tentang
Pedoman Pelaksanaan
Penawaran Efek yang Bukan
Merupakan Penawaran Umum
SEOJK Socialization No.33/
SEOJK.04/2022 concerning
Guidelines for Implementing
Securities Offerings that are
not Public Offerings
In House Membangun Tim Melalui 04/02/2023 Risiko Manajemen Gagasan
Kepemimpinan yang Efektif
Building Teams Through
Effective Leadership
In House Aspek Hukum Informasi dan 25/02/2023 Hey Law Indonesia
Transaksi Elektronik serta
Transformasi Digital
Legal Aspects of Electronic
Information and Transactions
and Digital Transformation
In House Refreshment Sertifikasi 05/07/2023 Efektifpro
Manajemen Risiko - BSMR
yang diselenggarakan
Efektifpro, Jakarta (2023)
Refreshment of Risk
Management Certification
- BSMR held by Efektifpro,
Jakarta (2023)
Off House FGD Insentif dan Disinsentif 21/07/2023 OJK
Penerapan Keuangan
Berkelanjutan
FGD on Incentives and
Disincentives for Sustainable
Finance Implementation
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 133
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 131
Jenis Pendidikan dan Materi Pendidikan dan
Nama dan Jabatan Pelatihan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Types of Education Education and Training Place/Date Organizer
and Training Material
Off House Sosialisasi SPRINT Modul 25/07/2023 OJK
Penilaian Kemampuan dan
Kepatuhan Bank Umum
Konvensional dan Kantor
Perwakilan dari Bank yang
Berkedudukan di Luar Negeri
Dissemination of SPRINT
Module of Capability and
Compliance Assessment of
Conventional Commercial
Banks and Representative
Offices of Banks Based
Abroad
Off House Webinar Compliance 22/08/2023 OJK
Refreshment Emiten dan
Perusahaan Publik
Compliance Refreshment
Webinar for Issuers and Public
Companies
In House Allo Bank Leaders Forum: The 08/09/2023 Manajemen Allo Bank
Road To Success Allo 2.0
Off House FGD Persamaan Persepsi 26/10/2023 OJK
Perizinan Kelembagaan
Pengurus dan Kepemilikan
Bank Umum
FGD on Perception Similarity
of Licensing Institutional
Management and Ownership
of Commercial Banks
Off House Sosialisasi Resolution Plan & 08/11/2023 LPS
Premi PRP di Jakarta
Dissemination of Resolution
Plan & PRP Premium in
Jakarta
In House Sosialisasi POJK No.8 Tahun 16/11/2023 Risiko Manajemen Gagasan
2023 APU PPT & PPPSPM di
Sektor Jasa Keuangan
Dissemination of POJK No.8
of 2023 AML/CFT & CPF on
the Financial Services Sector
In House Pengujian Business Continuity 15/12/2023 Konsultan Observasi BCM
Management atau Crisis Exercise Haldi Z
Management Plan Melalui
Table Top Exercise
Examining Business Continuity
Management or Crisis
Management Plan Through
Table Top Exercise
In House Team Building Allo Temu 2023 16/12/2023 Manajemen Allo Bank dan
PT Ruhama Berkah Mandiri
2023 Annual Report & Sustainability Report
Page 134
132 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Jenis Pendidikan dan Materi Pendidikan dan
Nama dan Jabatan Pelatihan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Types of Education Education and Training Place/Date Organizer
and Training Material
Kepala SKAI
Head of the SKAI
Dani Bayu Angkat Off House Pelatihan Menghadapi 16/01/2023 Asia Anti Fraud Manajemen
Sertifikasi CAFM dan Ujian
Sertifikasi CAFM untuk Unit
Anti Fraud
Training for Facing CAFM
Certification and CAFM
Certification Exams for the
Anti Fraud Unit
In House Implementasi Audit Kredit 28/01/2023 Equivalent Training Center
Korporasi yang Efektif
Effective Implementation of
Corporate Credit Audits
In House Membangun Tim Melalui 04/02/2023 Risiko Manajemen Gagasan
Kepemimpinan yang Efektif
Building Teams Through
Effective Leadership
In House Penerapan Program APU 11/02/2023 Mahaka Institute
PPT untuk Industri Keuangan
Implementasi Teknis
Perhitungan Risk Based
Approach APU PPT
Implementation of the
AML CTF Program for the
Financial Industry Technical
Implementation of the AML
CTF Risk Based Approach
Calculation
Off House Sosialisasi Aplikasi Pelaporan 14/02/2023 OJK
Online OJK (APOLO) Modul
Profesi Keuangan AP/KAP
Socialization of the OJK
Online Reporting Application
(APOLO) AP/KAP Financial
Profession Module
In House Undang Undang Pelindungan 16/02/2023 Kementrian Komunikasi
Data Pribadi dan Informatika Republik
Implementasinya di PT Allo Indonesia
Bank Indonesia Tbk
Personal Data Protection Law
and Its Implementation at PT
Allo Bank Indonesia Tbk
In House Aspek Hukum Informasi dan 25/02/2023 Hey Law Indonesia
Transaksi Elektronik serta
Transformasi Digital
Legal Aspects of Information
and Electronic Transactions
and Digital Transformation
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 135
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 133
Jenis Pendidikan dan Materi Pendidikan dan
Nama dan Jabatan Pelatihan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Types of Education Education and Training Place/Date Organizer
and Training Material
In House Analisa Kredit Korporasi 01/03/2023 Duta Bangsa
Corporate Credit Analysis
In House Panduan Penentuan Risk 09/03/2023 Risiko Manajemen Gagasan
Tolerance dan Risk Appetite
dalam Penyusunan Rencana
Bisnis
Guide to Determining Risk
Tolerance and Risk Appetite in
Preparing a Business Plan
Off House CQI And IRCA Certified ISO/ 13/03/2023 BSI Group Indonesia
IEC 27001 2022 Lead Auditor
In House Refreshment Sertifikasi 05/07/2023 Efektifpro
Manajemen Risiko
Risk Management
Certification Refreshment
Off House Konferensi Audit Intern 2023 05/07/2023 Yayasan Pendidikan
YPIA Internal Audit
YPIA 2023 Internal Audit
Conference
In House Allo Bank Leaders Forum: The 08/09/2023 Manajemen Allo Bank
Road To Success Allo 2.0
Off House Refreshment Laporan Hasil 03/11/2023 Bank Indonesia
Penilaian Kepatuhan Sistem
Pembayaran dan Financial
Market Infrastructure Bank
Indonesia serta Kantor
Pengelola Daftar Hitam
Nasional Tahun 2023
Refreshment Report on
Payment System Compliance
Assessment Results and
Financial Market Infrastructure
of Bank Indonesia and
the National Black List
Management Office in 2023
In House Pelatihan Kegiatan Usaha 09/12/2023 PT Triniti Solusi Kreatifindo
Dalam Valuta Asing
Training on Business Activities
in Foreign Exchange
In House Team Building Allo Temu 16/12/2023 Manajemen Allo Bank dan
2023 PT Ruhama Berkah Mandiri
2023 Annual Report & Sustainability Report
Page 136
134 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 137
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 135
04
Analisis dan
Pembahasan
Manajemen
Management
Discussion
and Analysis
2023 Annual Report & Sustainability Report
Page 138
136 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Tinjauan Perekonomian
dan Industri
Economic and Industrial Overview
Tinjauan Perekonomian Economic Overview
Seperti dikutip dari Tinjauan Kebijakan Moneter Desember 2023 A Monetary Policy Review released by Bank Indonesia in December
yang dirilis oleh Bank Indonesia, menyatakan bahwa perekonomian 2023 indicated that the world economy has slowed down alongside
dunia melambat dengan ketidakpastian pasar keuangan yang mulai a financial market that has begun to subside in its uncertainty.
mereda. Bank Indonesia memprakirakan pertumbuhan ekonomi Bank Indonesia projected global economic growth in 2023 to be
global tahun 2023 sebesar 3,0% dan melambat menjadi 2,8% at 3.0% and to slow down to 2.8% in 2024. The United States (US)
pada 2024. Pertumbuhan ekonomi Amerika Serikat (AS) dan India and India in 2023 both experienced better economic growth than
tahun 2023 lebih baik dari prakiraan awal ditopang oleh konsumsi initial estimates thanks to household consumption and government
rumah tangga dan ekspansi pemerintah. Sementara itu, ekonomi expansion. Meanwhile, China’s economy weakened as household
Tiongkok melemah seiring dengan konsumsi rumah tangga dan consumption and investment grew limited.
investasi yang tumbuh terbatas.
Inflasi di negara maju, termasuk di AS, dalam kecenderungan Inflation in developed countries, including in the US, was on a
menurun tetapi tingkatnya masih di atas sasaran. Suku bunga downward trend but with a level that was still above target. Monetary
kebijakan moneter, termasuk Fed Funds Rate (FFR), diprakirakan policy interest rates, including the Fed Funds Rate (FFR), were
telah mencapai puncaknya namun masih akan bertahan tinggi projected to have reached their peak but remained high for longer.
dalam waktu yang lama (high for longer). Demikian pula yield obligasi Likewise, government bond yields in developed countries, including
Pemerintah negara maju, termasuk US Treasury, diprakirakan dalam the US Treasury, were predicted to be on a downward trend, but with
kecenderungan menurun tetapi tingkatnya masih akan tinggi sejalan levels that still remained high. This was in line with a long-term risk
dengan premi risiko jangka panjang (term-premia) terkait besarnya premium related to the size of fiscal financing and government debt.
pembiayaan fiskal dan utang pemerintah. Kejelasan arah kebijakan Clarity in the direction of monetary policy in developed countries
moneter di negara maju tersebut mendorong mulai meredanya encouraged an easing in global financial market uncertainty.
ketidakpastian pasar keuangan global.
Sehubungan dengan itu, aliran modal mulai kembali masuk dan In this regard, capital flows have begun to return and reduce the
menurunkan tekanan pelemahan nilai tukar di negara emerging pressure of weakening exchange rates in emerging market countries,
market, termasuk Indonesia. Ke depan, sejumlah risiko dapat kembali including Indonesia. In the future, a number of risks could again
meningkatkan ketidakpastian perekonomian dunia, di antaranya increase uncertainty in the world economy, including continuing
masih berlanjutnya ketegangan geopolitik, pelemahan ekonomi di geopolitical tensions, economic weakness in a number of countries
sejumlah negara termasuk Tiongkok, serta masih tingginya suku including China, and still high monetary policy interest rates and
bunga kebijakan moneter dan yield obligasi di negara maju. bond yields in developed countries.
Di sisi lain, perekonomian Indonesia tetap tumbuh baik didukung On the other hand, the Indonesian economy continued to grow
oleh permintaan domestik. Konsumsi rumah tangga dan investasi well thanks to domestic demand. Household consumption and
tetap tumbuh sejalan dengan keyakinan masyarakat dan berlanjutnya investment continued to grow in line with public confidence and
penyelesaian Proyek Strategis Nasional (PSN). Perkembangan due to the continued completion of National Strategic Projects.
ini dikonfirmasi oleh sejumlah indikator utama hingga bulan This development was confirmed by a number of key indicators
Desember 2023, seperti keyakinan konsumen, penjualan eceran, through December 2023, such as consumer confidence, retail
dan Purchasing Managers' Index (PMI) Manufaktur. Sementara itu, sales, and the Manufacturing Purchasing Managers’ Index (PMI).
kinerja ekspor cenderung lebih baik, seiring dengan peningkatan Meanwhile, export performance tended to be better, a state that was
permintaan beberapa mitra dagang utama, seperti AS dan India. in line with increasing demand from several major trading partners,
Berdasarkan Lapangan Usaha (LU), kinerja perekonomian terutama such as the US and India. In terms of Business Fields, Indonesia’s
didorong oleh Perdagangan Besar dan Eceran, Industri Pengolahan, economic performance was mainly driven by Wholesale and Retail
serta Konstruksi. Trade, the Processing Industry, and Construction.
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Pemerintah telah mencatatkan pertumbuhan ekonomi 2023 The government recorded 5.05% economic growth in 2023. In
sebesar 5,05%. Pada 2024, kinerja konsumsi, baik swasta maupun 2024, consumption performance, both private and government, and
Pemerintah, dan investasi diprakirakan sedikit meningkat sejalan investment are being projected to increase slightly in line with public
dengan keyakinan konsumsi masyarakat yang tetap kuat, dampak consumption confidence (which remained strong), the positive
positif pelaksanaan Pemilu, serta keberlanjutan pembangunan impact of the election, and the sustainability of National Strategic
Proyek Strategis Nasional (PSN). Dengan perkembangan tersebut, Project developments. With these developments, economic growth
pertumbuhan ekonomi 2024 diprakirakan meningkat dalam kisaran in 2024 is predicted to increase in the range of 4.7% to 5.5%. Going
4,7-5,5%. Ke depan, Bank Indonesia akan terus memperkuat sinergi forward, Bank Indonesia will continue to strengthen synergy in the
stimulus fiskal Pemerintah dengan stimulus makroprudensial Bank Government’s fiscal stimulus with its own macroprudential stimulus
Indonesia untuk mendorong pertumbuhan ekonomi, khususnya to encourage economic growth, especially from the demand side.
dari sisi permintaan.
Tinjauan Industri Industry Overview
Bank Indonesia juga menyatakan bahwa likuiditas perbankan masih Bank Indonesia also stated that banking liquidity remained at
memadai sehingga memperkuat lending capacity perbankan. Pada adequate levels, resulting in strengthened banking lending capacity.
November 2023, rasio Alat Likuid terhadap Dana Pihak Ketiga (AL/ In November 2023, the ratio of Liquid Assets to Third Party Funds
DPK) tetap terjaga tinggi, yaitu 26,04%. Likuiditas perbankan yang remained high at 26.04%. Banking liquidity, which remained
tetap memadai tersebut didukung oleh kebijakan makroprudensial adequate, was supported by accommodative macroprudential
akomodatif, antara lain implementasi Kebijakan Insentif Likuiditas policies, including the implementation of a Macroprudential Liquidity
Makroprudensial (KLM). Total tambahan likuiditas dari insentif KLM Incentive Policy (KLM). The total additional liquidity from KLM
mencapai Rp163,3 triliun per Desember 2023 atau meningkat incentives reached IDR163.3 trillion as of December 2023, or an
sebesar Rp55 triliun sejak penerapan KLM pada 1 Oktober 2023. increase of IDR55 trillion since KLM’s implementation on October
1, 2023.
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Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Perkembangan likuiditas tersebut berdampak positif terhadap This liquidity development has had a positive impact on banking
suku bunga perbankan, dengan suku bunga deposito 1 bulan dan interest rates, with the 1-month deposit interest rate and credit
suku bunga kredit pada November 2023 tetap terjaga, masing- interest rate in November 2023 remaining stable at 4.46% and
masing di 4,46% dan 9,29%. Likuiditas yang memadai juga 9.29% respectively. Adequate liquidity was also supported by the
didukung oleh keberadaan SRBI yang diperdagangkan di pasar existence of Bank Indonesia Rupiah Securities (SRBI) that were
sekunder sehingga meningkatkan fleksibilitas perbankan dalam traded on the secondary market, resulting in increased banking
mengelola likuiditas dan turut mendukung terjaganya lending flexibility in managing liquidity and which helped to maintain
capacity perbankan. Bank Indonesia akan terus meningkatkan banking lending capacity. Bank Indonesia continued to increase
efektivitas implementasi KLM untuk mendorong penyaluran kredit/ the effectiveness of its KLM implementation to encourage higher
pembiayaan perbankan yang lebih tinggi pada sektor-sektor yang banking credit/financing distribution in sectors that have high
memiliki daya ungkit besar dalam rangka mendukung pertumbuhan leverage in order to further support sustainable economic growth.
ekonomi yang berkelanjutan.
Peningkatan intermediasi perbankan juga terus berlanjut. Improvements in banking intermediation also continued to continue.
Pertumbuhan Dana Pihak Ketiga (DPK) tercatat sebesar 3,04% (yoy) Growth in Third Party Funds (DPK) was recorded at 3.04% (yoy)
pada November 2023, sedangkan kredit perbankan tumbuh 9,74% in November 2023, while banking credit grew 9.74% (yoy), which
(yoy), lebih tinggi dibandingkan dengan pertumbuhan pada bulan was higher than its previous month’s growth of 8.99% (yoy). This
sebelumnya yaitu 8,99% (yoy). Peningkatan kredit/pembiayaan increase in credit/financing was driven by higher demand for credit
didorong oleh peningkatan permintaan kredit sejalan dengan tetap in line with maintained corporate and household performance. From
terjaganya kinerja korporasi dan rumah tangga. Secara sektoral, a sectoral point of view, credit growth was mainly supported by
pertumbuhan kredit terutama ditopang oleh sektor Perdagangan, the Trade, Industry and Business Services sectors. Sharia financing
Industri, dan Jasa Dunia Usaha. Pembiayaan syariah pada November in November 2023 also grew by 14.12% (yoy), while MSME credit
2023 juga tumbuh sebesar 14,12% (yoy), sementara pertumbuhan growth reached 8.46% (yoy). MSME credit growth was mainly
kredit UMKM mencapai 8,46% (yoy). Pertumbuhan kredit UMKM supported by the Trade, Agriculture and Social Services sectors. In
tersebut terutama didukung oleh sektor Perdagangan, Pertanian, the future, Bank Indonesia will continue to encourage the distribution
dan Jasa Sosial. Ke depan, Bank Indonesia akan terus mendorong of banking credit/financing and strengthen synergies with the
penyaluran kredit/pembiayaan perbankan dan memperkuat sinergi Government, financial authorities, Ministries/Institutions, banks
dengan Pemerintah, otoritas keuangan, Kementerian/Lembaga, and business actors.
perbankan, dan pelaku usaha.
Ketahanan perbankan tetap terjaga baik, tercermin dari permodalan Banking resilience remained well maintained, as can be seen
yang kuat dan risiko kredit yang rendah. Rasio kecukupan modal reflected by strong capital and low credit risk. Capital adequacy
(Capital Adequacy Ratio/CAR) tercatat pada level yang tinggi sebesar ratio (CAR) was recorded at a high level of 27.44% in October 2023.
27,44% pada Oktober 2023. Risiko kredit juga tetap terkendali, Credit risk also remained under control. This was reflected in a low
tercermin dari rasio kredit bermasalah (Non Performing Loan/ non-performing loan (NPL) ratio of 2.42% (gross) and 0.77% (net).
NPL) yang rendah sebesar 2,42% (bruto) dan 0,77% (neto). Hasil Bank Indonesia’s stress-test results showed that banking resilience
stress-test Bank Indonesia menunjukkan ketahanan perbankan remained strong in the face of global pressure. Bank Indonesia will
yang tetap kuat dalam menghadapi tekanan global. Bank Indonesia continue to strengthen policy synergies with the Financial System
akan terus memperkuat sinergi kebijakan bersama KSSK dalam Stability Committee (KSSK) in mitigating various risks that have the
memitigasi berbagai risiko yang berpotensi mengganggu stabilitas potential to disrupt financial system stability.
sistem keuangan.
Kinerja transaksi ekonomi dan keuangan digital tetap kuat didukung Performance in digital economic and financial transactions
oleh sistem pembayaran yang aman, lancar, dan andal. Pada remained strong thanks to safe, smooth and reliable payment
November 2023, nilai transaksi digital banking tercatat Rp5.163,76 systems. In November 2023, the value of digital banking
triliun atau tumbuh sebesar 13,21% (yoy), sementara itu nilai transaksi transactions was recorded at IDR5,163.76 trillion. This marked a
Uang Elektronik (UE) meningkat 16,95% (yoy) sehingga mencapai growth of 13.21% (yoy). Meanwhile, the value of Electronic Money
Rp41,30 triliun. Nominal transaksi QRIS tercatat tumbuh 157,43% transactions increased 16.95% (yoy) to reach IDR41.30 trillion.
(yoy) sehingga mencapai Rp24,90 triliun, dengan jumlah pengguna Nominal QRIS transactions were recorded to have grown 157.43%
45,03 juta dan jumlah merchant 30,12 juta yang sebagian besar (yoy) to reach IDR24.90 trillion, with the number of users and
merupakan UMKM. Nilai transaksi pembayaran menggunakan merchants at 45.03 million and 30.12 million respectively, and
kartu ATM, kartu debit, dan kartu kredit mencapai Rp662,39 triliun with most of the merchants being MSMEs. The value of payment
atau turun sebesar 0,39% (yoy). Sementara dari pengelolaan uang transactions that used ATM cards, debit cards and credit cards
Rupiah, jumlah Uang Kartal Yang Diedarkan (UYD) pada November reached IDR 662.39 trillion, which marked a decrease of 0.39%
2023 meningkat 5,69% (yoy) sehingga menjadi Rp988,40 triliun. (yoy). Meanwhile, from the management of Rupiah currency, the
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Sustainability Report 139
Bank Indonesia terus memastikan ketersediaan uang Rupiah dalam amount of Currency in Circulation in November 2023 increased
jumlah yang cukup, pecahan yang sesuai, dengan kualitas yang by 5.69% (yoy) to IDR988.40 trillion. Bank Indonesia continued to
terjaga di seluruh wilayah NKRI melalui program pengedaran uang ensure the availability of Rupiah currency in sufficient quantities and
Rupiah ke daerah Terluar, Terdepan, Terpencil (3T) serta kegiatan in appropriate denominations, with maintained quality throughout
Kas Keliling, Kas Titipan dan Ekspedisi Rupiah Berdaulat. the territory of the Republic of Indonesia through its Rupiah currency
distribution program to Outermost, Frontier, Remote (or “3T”) areas,
as well as through Mobile Cash, Safe Deposit and Sovereign Rupiah
Expedition activities.
Rencana dan Kebijakan
Strategis Perusahaan
Company’s Strategic Plans and Policies
Mulai bergesernya gaya hidup masyarakat ke arah digital yang The public’s shift in lifestyles towards digital, which has happened
didukung dengan kemudahan akses dan luasnya jaringan thanks to the support of easy digital access and extensive
telekomunikasi, termasuk internet, menjadi peluang bagi Allo Bank telecommunications networks that include the internet, has served
selaku bank umum berbasis digital untuk mengoptimalkan produk as an opportunity for Allo Bank (as a digital-based commercial
dan layanan yang diberikan kepada para nasabah. Perkembangan bank) to optimize its products and services. Rapid technological
teknologi yang pesat mendorong Bank untuk terus beradaptasi developments have encouraged the Bank to continue to adapt
secara cepat dengan memperkuat fundamental bisnis dan quickly by way of strengthening its own business fundamentals and
kapabilitas teknologi digital agar dapat menyediakan layanan digital technology capabilities in order to provide digital banking
perbankan digital banking yang dapat memenuhi kebutuhan dan services that can meet customer needs and provide convenience
memberikan kenyamanan kepada para nasabah dalam bertransaksi. in transactions. For this reason, the Bank has established a number
Untuk itu, Bank telah menetapkan sejumlah langkah strategis yang of strategic steps that can optimize its performance, including:
dapat mengoptimalkan kinerjanya, di antaranya dengan:
1. Melakukan penetrasi pasar berkelanjutan ke berbagai 1. Carrying out sustainable market penetration into various
segmentasi nasabah dengan terus memberikan nilai tambah customer segments by continuing to provide added value
(added value) melalui implementasi 3 pilar strategi bisnis Bank through implementing the 3 pillars of Allo Bank’s business
(acquisition, engagement and monetization); strategy (acquisition, engagement and monetization);
2. Meningkatkan layanan digital secara signifikan yang berdampak 2. Significantly improving digital services that have an impact on
pada peningkatan aset dan liabilitas; increasing assets and liabilities;
3. Menjalin kolaborasi dengan mitra strategis (strategic partners) 3. Establishing collaborations with key ecosystem strategic partners
ekosistem utama melalui penerapan model Open Banking through an implementing of an Open Banking model to enrich
untuk memperkaya dan meningkatkan nilai layanan finansial and increase the value of Allo Bank’s financial services;
yang disediakan oleh Bank;
4. Penguatan data driven organization dengan memanfaatkan 4. Strengthening data driven organizations by utilizing Artificial
kapabilitas Artificial Intelligence (AI) dan data analytic untuk Intelligence (AI) capabilities and data analytics to increase the
meningkatkan keunggulan kompetitif Bank; Bank’s competitive advantage;
5. Penguatan manajemen risiko menggunakan teknologi terkini 5. Strengthening risk management through the latest in technology
melalui peningkatan IT Maturity dalam rangka memperkuat by way of increasing IT Maturity as a means to strengthen Allo
operasional Bank; Bank’s operations;
6. Pengembangan talenta DIGITAL untuk mencapai kinerja Bank 6. Development of DIGITAL talent to achieve even better Bank
yang unggul; dan performance; and
7. Penguatan Good Corporate Governance (GCG) di seluruh 7. Strengthening Good Corporate Governance (GCG) in all of the
fungsi organisasi Bank. Bank’s organizational functions.
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140 Performa 2023
2023 Performance
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Company Profile
Strategi tersebut diharapkan mampu membawa Bank untuk tumbuh This strategy is designed to lead the Bank as it grows in a measurable
secara terukur dan berkesinambungan di tengah kondisi geopolitik, and sustainable manner in the midst of turbulent geo-political,
ekonomi dan iklim global yang penuh gejolak, kondisi nasional yang economic and global climate conditions, and in the midst of national
memasuki tahun politik, serta pesatnya perkembangan digital di conditions entering a political year, as well as in the midst of rapid
industri perbankan. Untuk itu, Bank akan menjalankan model bisnis digital developments in the banking industry. For this reason, the
dengan menyampaikan layanan finansial secara daring dengan Bank will implement a business model that delivers financial services
jumlah kantor cabang yang terbatas dan membangun sinergi online with a limited number of branch offices and that builds
dengan CT Corpora dan strategic business partners lainnya dalam synergies with CT Corpora and other strategic business partners
mengembangkan ekosistem digital. in developing a digital ecosystem.
Di samping itu, Bank juga terus mengembangkan produk dan jasa In addition, the Bank also continues to develop funding and financing
pendanaan dan pembiayaan, termasuk value chain untuk keperluan products and services, including value chains for investment and
investasi maupun modal usaha, untuk para nasabah wholesale business capital purposes, for wholesale customers in its aspiration
dalam aspirasinya menjadi Bank ekosistem untuk mendorong to become an ecosystem bank to encourage growth, generate
pertumbuhan, menghasilkan nilai dan mendukung perkembangan value and support the development of the real sector.
sektor riil.
Strategi ekosistem ini akan menjadikan Bank lebih relevan bagi This ecosystem strategy will make the Bank more relevant to
nasabah, membantu Bank menjalin hubungan yang lebih dalam customers, helping the Bank forge deeper relationships and capture
dan mendapatkan pangsa dompet yang lebih besar dengan larger share of wallet by providing fast, scalable and differentiated
menyediakan produk yang cepat, berskala, dan terdiferensiasi products to compete in a digitally connected world.
untuk bersaing di dunia yang saling terkoneksi secara digital.
Ke depan, Bank meyakini bahwa pendekatan dual engines for In the future, the Bank believes that this dual engines for growth
growth ini dapat memberikan kontribusi dalam meningkatkan bisnis approach can contribute to improving business in a sustainable
secara berkelanjutan sekaligus memberikan dampak positif pada manner while also having a positive impact on the national economy.
perekonomian nasional.
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Tinjauan Operasi
Per Segmen Usaha
Operational Review by Business Segment
Berdasarkan Anggaran Dasar terakhir, Allo Bank menjalankan Allo Bank carries out its general banking business activities with
kegiatan usaha bank umum dengan model bisnis digital banking. a digital banking business model. It carries out these activities on
Bank mengklasifikasikan kinerja operasional bisnis berdasarkan the basis of its latest Articles of Association. The Bank classifies
produk dan layanan yang dimiliki. Oleh karena itu, Bank membagi its business operational performance based on the products and
kegiatan operasionalnya ke dalam 2 (dua) segmen, yakni Produk services it has, which in this case is separated into 2 (two) segments:
Kredit dan Produk Simpanan. Lending Products and Funding Products.
Produk Kredit Lending Products
Produk kredit merupakan sebuah produk yang berfokus dalam Lending Products focus on providing loans digitally to retail
menyalurkan pinjaman secara digital kepada konsumen retail. consumers. These consist of 2 (two) products: namely Paylater
Produk Kredit yang dijalankan Bank terdiri dari 2 (dua) produk, yaitu and Instant Cash Loans. The application process for these products
Paylater dan Pinjaman Dana Tunai (Instant Cash) dengan proses is carried out through Allo Bank’s mobile app. Credit decisions
pengajuan yang dilakukan melalui mobile app Allo Bank. Keputusan can be made instantly, making it easier for customers to carry out
kredit dapat dilakukan secara instan sehingga mempermudah transactions using paylater or obtain loan funds for various needs.
nasabah untuk melakukan transaksi menggunakan paylater atau
mendapatkan dana pinjaman untuk berbagai kebutuhan.
Suku Bunga Dasar Kredit Basic Lending Rate
Suku Bunga Dasar Kredit (SBDK) merupakan dasar penetapan The Basic Lending Rate (SBDK) serves as the basis for determining
suku bunga kredit yang akan dikenakan kepada nasabah. Allo the credit interest rate that will be charged to customers. Allo
Bank telah mempublikasikan SBDK dalam mata uang Rupiah Bank has published prime lending rates in Rupiah currency in
sesuai dengan Peraturan Otoritas Jasa Keuangan (OJK) No. 37/ accordance with Financial Services Authority (OJK) Regulation
POJK.03/2019 tentang Transparansi dan Publikasi Laporan Bank No. 37/POJK.03/2019 concerning Transparency and Publication
serta Surat Edaran OJK No. 9/SEOJK.03/2020 tentang Transparansi of Bank Reports and OJK Circular Letter No. 9/SEOJK.03/2020
dan Publikasi Laporan Bank Umum Konvensional yang mengatur concerning Transparency and Publication of Conventional
mengenai transparansi informasi produk bank dan penggunaan Commercial Bank Reports, which regulates the transparency of
data pribadi nasabah. bank product information and the use of customer personal data.
SBDK yang dipublikasikan oleh Bank belum memperhitungkan The Bank’s published prime lending rate does not take into account
komponen estimasi premi risiko mengingat besarannya akan the estimated risk premium component considering that the amount
disesuaikan dari penilaian Bank atas risiko masing-masing debitur will be adjusted based on the Bank’s assessment of risks in each
atau kelompok debitur sehingga besaran suku bunga kredit yang debtor or group of debtors. This means that the credit interest rate
dikenakan belum tentu sama dengan SBDK. Bank senantiasa being charged is not necessarily the same as the prime lending
meninjau dan memperbaharui SBDK sesuai dengan pergerakan rate. The Bank always reviews and updates its prime lending rate
suku bunga acuan BI 7-day Reverse Repo Rate (BI7DRR). in accordance with changes in Bank Indonesia’s 7-day Reverse
Repo Rate (BI7DRR) benchmark interest rate.
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Company Profile
Bank mengelompokkan SBDK menjadi 4 (empat) kelompok The Bank categorizes prime lending rates into 4 (four) credit
berdasarkan segmentasi kredit, yaitu Kredit Korporasi, Kredit Ritel, segmentation-based groups: Corporate Credit, Retail Credit,
Kredit Mikro, dan Kredit Konsumsi. Seluruh informasi yang lebih Microcredit and Consumer Credit. More detailed information
rinci mengenai SBDK yang berlaku dapat dilihat pada publikasi regarding applicable Basic Lending Rates can be seen in
di setiap kantor Bank dan/atau situs web resmi Allo Bank di www. publications at each Bank office and/or on the official Allo Bank
allobank.com. website at www.allobank.com.
Kredit Konsumsi
Periode Kredit Korporasi Kredit Ritel Kredit Mikro Consumer Loan
Period Corporate Loan Retail Loan Micro Loan
KPR Non KPR
Desember 2023 9,41% N.A N.A N.A 14,41%
December 2023
Kinerja Produk Kredit Lending Product Performance
Per 31 Desember 2023, kinerja produk kredit tercatat sebesar As of December 31, 2023, the Bank’s Lending Product Performance
Rp7,39 triliun, mengalami peningkatan Rp180 miliar atau 2,5% was recorded at IDR7.39 trillion. This number marked an increase
jika dibandingkan dengan tahun 2022 yang sebesar Rp7,21 triliun. of IDR180 billion or 2.5% compared to IDR7.21 trillion in 2022.
Peningkatan ini utamanya disebabkan oleh penyaluran kredit baru This increase was mainly the result of new credit distribution for
pada jenis konsumsi. consumption types.
Kenaikan (Penurunan)
Increase (Decrease)
2023 2022
Jenis Kredit
(Rp juta) (Rp juta) Nominal
Type of Loan Persentase
(IDR million) (IDR million) (Rp juta)
(%)
Nominal (IDR
Percentage (%)
million)
Kredit Modal Kerja
309.639 250.000 59.639 23,9%
Working Capital Loan
Kredit Investasi
6.624.475 6.802.020 (177.545) (2,6%)
Investment Loan
Kredit Konsumsi
451.594 153.538 298.055 194,1%
Consumer Loan
Jumlah Kredit
7.385.708 7.205.558 180.149 2,5%
Total Loans
7.385 7.206
Pertumbuhan
Kredit 5 Tahun
Terakhir
Loan Growth
for the Last 5 2.198
YearsRatio (CAR) 1.276 1.661
(Rp miliar) Kredit | Loans
(in billions of Rupiah) Pertumbuhan | Growth
2023 2022 2021 2020 20219
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Produk Simpanan Funding Products
Allo Bank menyediakan produk simpanan berupa penghimpunan Allo Bank provides funding products in the form of collecting funds
dana dari nasabah retail melalui produk-produk digital, seperti from retail customers by way of digital products such as electronic
uang elektronik (AlloPay dan AlloPay+), tabungan (Allo Prime dan money (AlloPay and AlloPay+), savings (Allo Prime and Allo Grow),
Allo Grow), dan deposito yang dilakukan melalui mobile app Allo and deposits made via the Allo Bank mobile app or third party
Bank maupun aplikasi pihak ketiga, baik di dalam maupun di luar applications, both within and outside the CT Corpora ecosystem
ekosistem CT Corpora secara online. Bank juga menyediakan online. The Bank also provides current and deposit products for
produk giro dan deposito untuk nasabah korporasi yang sudah existing corporate customers to carry out operational transactions
ada untuk melakukan transaksi operasional maupun terkait dengan and credit-related payments.
pembayaran kredit.
Kinerja Produk Simpanan Deposit Product Performance
Per 31 Desember 2023, Bank telah menghimpun Dana Pihak Ketiga As of December 31, 2023, the Bank had collected Third Party
(DPK) sebesar Rp4,90 triliun, meningkat Rp483 miliar atau 10,9% Funds (DPK) that amounted to IDR4.90 trillion, an increase of
dibanding tahun 2022 yang sebesar Rp4,41 triliun. Peningkatan DPK IDR483 billion or 10.9% compared to IDR4.41 trillion in 2022.
ini utamanya disebabkan oleh peningkatan deposito dan tabungan. This increase in deposits was mainly the result of an increase in
deposits and savings.
2023 2022
Pertumbuhan
Produk Simpanan Nominal Nominal
Komposisi Komposisi (%)
Saving Products (Rp juta) (Rp juta)
(%) (%) Growth (%)
Nominal Nominal
Composition (%) Composition (%)
(IDR million) (IDR million)
Giro
48.190 0,98% 39.700 0,90% 21,39%
Current Accounts
Tabungan
465.110 9,49% 309.249 7,00% 50,40%
Savings
Deposito
4.385365 89,52% 4.066.542 92,10% 7,84%
Time Deposits
Jumlah Simpanan
Nasabah
4.898.665 100,00% 4.415.491 100,00% 10,94%
Total Customer
Deposits
CASA 10,48% 7,90%
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Profil Perusahaan
Company Profile
Pertumbuhan Produk Giro Pertumbuhan Produk Tabungan Pertumbuhan Produk Deposito
5 Tahun Terakhir 5 Tahun Terakhir 5 Tahun Terakhir
Current Account Growth Savings Product Growth Time Deposit Product Growth
for the Last 5 Years for the Last 5 Years for the Last 5 Years
(Rp miliar) | (in billions of Rupiah) (Rp miliar) | (in billions of Rupiah) (Rp juta) | (in billions of Rupiah)
264
113 107 1.594 1.173
183
166
1.854
4.899
104 309 465
4.067
48 40
2023 2022 2021 2020 2019 2023 2022 2021 2020 2019 2023 2022 2021 2020 2019
Profitabilitas Segmen Usaha Business Segment Profitability
Profitabilitas segmen operasional Allo Bank dikelompokkan The profitability of Allo Bank’s operational segments is categorized
berdasarkan 2 segmen utama, yakni Produk Kredit dan Produk to 2 main segments: Lending Products and Savings Products.
Simpanan. Profitabilitas Bank dalam 2 (dua) tahun terakhir dapat Bank profitability in the last 2 (two) years can be seen detailed in
dilihat sebagai berikut: the following table:
2023 2022
Uraian
(Rp juta) (Rp juta)
Description
(IDR million) (IDR million)
Kinerja Produk Kredit
7.385.708 7.205.558
Lending Product Performance
Kinerja Produk Simpanan
4.898.665 4.415.491
Savings Product Performance
Pendapatan (Beban) Non-Operasional – Neto
(287) (4.291)
Non-Operating Income (Expenses) – Net
Laba Periode Berjalan
575.274 352.312
Profit for the Current Period
Jumlah Aset
12.750.435 11.058.957
Total Assets
Jumlah Liabilitas
5.865.359 4.647.688
Total Liabilities
Per 31 Desember 2023, kinerja produk kredit tercatat sebesar As of December 31, 2023, lending product performance was
Rp7,39 triliun, capaian tersebut berasal dari kelompok segmentasi recorded at IDR7.39 trillion. This number was the result of the Bank’s
kredit Bank, yaitu Kredit Korporasi dan Kredit Konsumsi. Sementara credit segmentation groups: Corporate Lending and Consumer
itu, capaian Dana Pihak Ketiga (DPK) Bank di tahun 2023 tercatat Lending. Meanwhile, the Bank’s Third Party Fund (DPK) achievement
sebesar Rp4,90 triliun, yang terdiri dari produk giro, tabungan in 2023 was recorded at IDR4.90 trillion and consisted of current
dan deposito. accounts, savings and deposit products.
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Good Corporate Governance
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Sustainability Report 145
Tinjauan Keuangan
Financial Review
Tinjauan Keuangan Financial Review
Analisis dan pembahasan kinerja keuangan Bank dalam Laporan The analysis and discussion of the Bank's financial performance
Tahunan ini mengacu pada Laporan Keuangan PT Allo Bank in this Annual Report refer to the Financial Statements of PT Allo
Indonesia Tbk untuk tahun-tahun yang berakhir pada 31 Desember Bank Indonesia Tbk for the years that ended on December 31,
2023 dan 2022 yang telah diaudit oleh Kantor Akuntan Publik Amir 2023 and 2022. These statements have been audited by Public
Abadi Jusuf, Aryanto, Mawar & Rekan dengan opini Wajar Tanpa Accounting Firm Amir Abadi Jusuf, Aryanto, Mawar & Rekan with a
Pengecualian. Penyajian dan pengungkapan Laporan Keuangan “Fair Without Exception” opinion. The presentation and disclosure of
Bank disusun sesuai dengan Standar Akuntansi Keuangan (SAK) di Bank Financial Reports was prepared in accordance with Financial
Indonesia, yang mencakup Pernyataan Standar Akuntansi Keuangan Accounting Standards (SAK) in Indonesia, which include Statements
(PSAK) dan Interpretasi Standar Akuntansi Keuangan (ISAK) yang of Financial Accounting Standards (PSAK) and Interpretations of
dikeluarkan oleh Dewan Standar Akuntansi Keuangan-Ikatan Financial Accounting Standards (ISAK) issued by the Financial
Akuntan Indonesia (DSAK-IAI) serta Peraturan Pasar Modal yang Accounting Standards Board-Indonesian Accountants Association
berlaku antara lain Peraturan Badan Pengawas Pasar Modal dan (DSAK-IAI) as well as applicable Capital Market Regulations that
Lembaga Keuangan (Bapepam-LK) No. VIII.G.7 tentang Pedoman include Capital Market and Financial Institution Supervisory Agency
Penyajian Laporan Keuangan, keputusan Ketua Bapepam-LK No. (Bapepam-LK) Regulation No. VIII.G.7 concerning Guidelines
KEP-347/BL/2012 tentang Penyajian dan Pengungkapan Laporan for Presenting Financial Reports, and Chairman of Bapepam-
Keuangan Emiten atau Perusahaan Publik. LK Decision No. KEP-347/BL/2012 concerning Presentation and
Disclosure of Financial Reports of Issuers or Public Companies.
Posisi Keuangan Konsolidasian
Consolidated Financial Position
Kenaikan (Penurunan)
Increase (Decrease)
2023 2022
Uraian
(Rp juta) (Rp juta)
Description Nominal Persentase
(IDR million) (IDR million)
(Rp juta) (%)
Nominal (IDR million) Percentage (%)
Jumlah Aset
12.750.435 11.058.957 1.691.478 15,30%
Total Assets
Jumlah Liabilitas
5.865.359 4.647.688 1.217.671 26,20%
Total Liabilities
Jumlah Ekuitas
6.885.076 6.411.269 473,807 7,39%
Total Equity
Jumlah Liabilitas dan Ekuitas
12.750.435 11.058.957 1.691.478 15,30%
Total Liabilities and Equity
Di tahun 2023, Allo Bank berhasil membukukan kinerja yang sangat Allo Bank managed to record excellent performance in 2023. Its
baik seiring dengan tumbuhnya aset dan ekuitas Bank masing- assets and equity grew by 15.30% and 7.39% respectively, while
masing sebesar 15,30% dan 7,39%, sementara liabilitas tercatat its liabilities recorded an increase of 26.20%. The Bank's financial
mengalami kenaikan sebesar 26,20%. Capaian posisi keuangan position achievements throughout 2023 can be seen detailed in
Bank sepanjang tahun 2023 diuraikan sebagai berikut. the following tables.
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Aset
Assets
Kenaikan (Penurunan)
Increase (Decrease)
2023 2022
Uraian
(Rp juta) (Rp juta) Nominal
Description
(IDR million) (IDR million) (Rp juta) Persentase (%)
Nominal Percentage (%)
(IDR million)
Aset Produktif
12.184.632 10.431.565 1.753.067 16,81%.
Earning Assets
Penempatan pada Bank Indonesia & Bank Lain
1.616.085 564.768 1.051.317 186,15%
Penempatan pada Bank Indonesia & Bank Lain
Kredit yang Diberikan
7.385.708 7.205.558 180.150 2,50%
Loans
Efek-efek
3.182.839 1.896.710 1.286.129 67,81%
Marketable Securities
Tagihan atas Surat Berharga yang Dibeli dengan
Janji Dijual Kembali (Reverse Repo) - 764.529 (764.529) (100%)
Reverse Repo
Aset Non Produktif
565.803 627.392 (61.589) (9,82%)
Non-Productive Assets
Kas dan Giro pada Bank Indonesia
237.291 309.120 (71.829) (23,24%)
Cash and Current Accounts with Bank Indonesia
Aset Tetap – Bersih
262.504 216.752 45.752 21,11%
Fixed Assets – Net
Cadangan Kerugian Penurunan Nilai
(62.414) (52.670) (9.744) 18.50%
Allowance for Impairment Losses
Lainnya
128.422 154.190 (25.768) (16,71%)
Others
Total Aset
12.750.435. 11.058.957 1.691.478 15,30%
Total Assets
Pada tahun 2023, Bank berhasil membukukan jumlah aset sebesar The Bank managed to record a total of IDR12.75 trillion in assets
Rp12,75 triliun, mengalami peningkatan Rp1.691 miliar atau 15,30% in 2023. This number marked an increase of IDR1,691 billion or
jika dibandingkan dengan tahun 2022 yang sebesar Rp11,06 triliun. 15.30% compared to IDR11.06 trillion in 2022. This increase was
Peningkatan tersebut utamanya disebabkan oleh peningkatan efek- mainly the result of an increase in securities, placements with BI
efek, penempatan pada BI dan bank lain dan, kredit yang diberikan. and other banks, and loans provided.
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Good Corporate Governance
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Sustainability Report 147
Liabilitas
Liability
Kenaikan (Penurunan)
Increase (Decrease)
2023 2022
Uraian
(Rp juta) (Rp juta) Nominal
Description
(IDR million) (IDR million) (Rp juta) Persentase (%)
Nominal Percentage (%)
(IDR million)
Dana Pihak Ketiga
4.898.665 4.415.491 483.174 10,94%
Third Party Funds
Giro
48.190 39.700 8.490 21,39%
Current Account
Tabungan
465.110. 309.249 155.861 50,40%
Savings
Deposito
4.385.365 4.066.542 318.823 7,84%
Time Deposits
Simpanan dari Bank Lain
45.000 - 45.000 N/A
Deposits from Other Banks
Kewajiban Surat Berharga Repo
611.288 - 611.288 N/A
Repo Securities Liabilities
Kewajiban Lainnya
310.406 232.197 78.209 33,68%
Other Liabilities
Total Liabilitas
5.865.359 4.647.688 1.217.671 26,20%
Total Liabilities
Jumlah liabilitas Bank pada tahun 2023 tercatat sebesar Rp5,87 The Bank's total liabilities in 2023 were recorded at IDR5.87 trillion,
triliun, meningkat Rp1.218 miliar atau 26,20% dibanding tahun which marked an increase of IDR1,218 billion or 26.20% compared
sebelumnya yang mencapai Rp4,65 triliun. Hal tersebut utamanya to the previous year’s IDR4.65 trillion. This was mainly the result of
disebabkan oleh transaksi efek-efek yang dijual dengan janji dibeli transactions in securities sold with repurchase agreements (repo)
kembali (repo) dan peningkatan dana pihak ketiga khususnya dalam and an increase in third party funds, especially in the form
bentuk deposito.
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Company Profile
Ekuitas
Equity
Kenaikan (Penurunan)
Increase (Decrease)
2023 2022
Uraian
(Rp juta) (Rp juta) Nominal
Description
(IDR million) (IDR million) (Rp juta) Persentase (%)
Nominal Percentage (%)
(IDR million)
Modal Saham
2.173.026 2.173.026 - 0,00%
Share Capital
Tambahan Modal Disetor
3.868.733 3.868.733 - 0,00%
Additional Paid-in Capital
Surplus Revaluasi Aset Tetap
- - - -
Surplus on Revaluation of Fixed Assets
Pengukuran Kembali atas Program Imbalan Pasti
(3.766) (2.537) (1.229) 48,44%
Remeasurement of Defined Benefits Plan
Keuntungan yang Belum Direalisasikan dari
Efek Pada Nilai Wajar melalui Penghasilan
Komprehensif Lain
76.115 45.646 30.469 66,75%
Unrealized Gain on Change in Fair Value
of Securities at Fair Value through Other
Comprehensive Income
Saldo Laba (Defisit)
Retained Earnings (Deficit)
Ditentukan Penggunaannya
2.054 2.025 29 1,43%
Appropriated
Tidak Ditentukan Penggunaannya
768.914 324.377 444.537 137,04%
Unappropriated
Jumlah Ekuitas
6.885.076 6.411.269 473.807 7,39%
Total Equity
Per 31 Desember 2023, jumlah ekuitas Bank adalah sebesar As of December 31, 2023, the Bank's total equity was IDR6.89
Rp6,89 triliun, mengalami peningkatan Rp474 miliar atau 7,39% trillion, which marked an increase of IDR474 billion or 7.39% from
dari tahun 2022 yang sebesar Rp6,41 triliun. Peningkatan tersebut IDR6.41 trillion in 2022. This increase was mainly the result of
utamanya disebabkan oleh perolehan laba sebesar Rp445 miliar IDR445 billion in profit and other comprehensive income stemming
dan pendapatan komprehensif lainnya dari peningkatan Mark to from a IDR30 billion increase in Mark to Market (MTM) for securities.
Market (MTM) efek-efek sebesar Rp30 miliar.
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Sustainability Report 149
Laba (Rugi) dan Penghasilan Komprehensif Lain Konsolidasian
Consolidated Profit (Loss) and Other Comprehensive Income
Kenaikan (Penurunan)
Increase (Decrease)
2023 2022
Uraian
(Rp juta) (Rp juta) Nominal
Description
(IDR million) (IDR million) (Rp juta) Persentase (%)
Nominal Percentage (%)
(IDR million)
Pendapatan Operasional
1.159.330 760.749 398.581 52,39%
Operating Income
Pendapatan Bunga Bersih
1.036.755 627.229 409.526 65,29%
Net Interest Income
Pendapatan Operasional selain Bunga
122.575 133.520 (10.945) (8,20%)
Operational Income other than Interest
Biaya Kerugian Penurunan Nilai Aset Keuangan
(47.942) (44.262) (3.680) 8,31%
Allowance for Impairment Losses
Biaya Operasional
(535.827) (359.884) (175.943) 48,89%
Operating Expenses
Laba (Rugi) Operasional
575.561 356.603 218.958 61,40%
Operating Income (Loss)
Pendapatan Non Operasional
(287) (4.291) 4.004 (93,31%)
Non-Operating Income
Laba (Rugi) Sebelum Pajak Penghasilan
575.274 352.312 222.962 63,29%
Income (Loss) Before Tax Expenses
Laba (Rugi) Bersih
444.566 270.030 174.536 64,64%
Net Profit (Loss)
Pendapatan (Beban) Komprehensif Lainnya
39.283 15.967 23.316 146,03%
Other Comprehensive Income (Expense)
Total Laba Komprehensif
483.849 285.997 197.852 69,18%
Total Comprehensive Income
Laba Bersih per Saham (dalam Rupiah Penuh)
20,46 12,43 8,03 64,6%
Earnings per Share (in Full Rupiah)
Pendapatan Bunga Interest income
Bank membukukan pendapatan bunga di tahun 2023 sebesar The bank posted IDR1,329 billion in interest income in 2023. This
Rp1.329 miliar, meningkat Rp561 miliar atau 73,1% dibanding marked an increase of IDR561 billion or 73.1% compared to the
tahun sebelumnya sebesar Rp768 miliar. Hal ini disebabkan oleh previous year's IDR768 billion. This was the result of an increase
peningkatan pendapatan bunga kredit sejalan dengan peningkatan in credit interest income that was in line with an increase in credit
volume kredit dan peningkatan pendapatan bunga atas peningkatan volume and an increase in interest income (which itself was the
efek-efek. result of an increase in securities).
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Profil Perusahaan
Company Profile
Beban Bunga Interest expense
Di tahun 2023, beban bunga Bank tercatat mengalami In 2023, the Bank's interest expense was recorded to have increased
peningkatanRp152 miliar atau 108,0% dari sebesar Rp140 miliar by IDR152 billion (or 108.0%) from IDR140 billion in 2022 to IDR292
di tahun 2022 menjadi sebesar Rp292 miliar. Hal ini dikarenakan billion. This was the result of an increase in interest expenses on
adanya peningkatan beban bunga dana pihak ketiga sejalan dengan third party funds that was in line with both an increase in third party
peningkatan dana pihak ketiga dan kenaikan suku bunga serta funds, an increase in interest rates, and in interest expenses from
beban bunga dari transaksi efek-efek yang dijual dengan janji securities transactions sold with repurchase agreements (repo).
dibeli kembali (repo).
Pendapatan Bunga Bersih Net Interest Income
Hingga akhir tahun 2023, Bank membukukan pendapatan bunga As of the end of 2023, the Bank recorded a net interest income
bersih sebesar Rp1.037 miliar, meningkat Rp410 miliar atau of IDR1,037 billion. This marked an increase of IDR410 billion or
65,3% dibanding tahun sebelumnya Rp627 miliar. Hal tersebut 65.3% compared to the previous year's IDR627 billion. This was
lebih disebabkan oleh peningkatan pendapatan bunga kredit dan mainly the result of an increase in loan interest income and an
peningkatan pendapatan bunga efek-efek. increase in securities interest income.
Laba Sebelum Pajak Profit Before Tax
Laba sebelum pajak Bank di tahun 2023 tercatat sebesar Rp575 The Bank's profit before tax in 2023 was recorded at IDR575 billion,
miliar, mengalami peningkatan Rp223 miliar atau setara dengan which marked an increase of IDR223 billion or equivalent to 63.3%
63,3% dari tahun sebelumnya sebesar Rp352 miliar. Hal tersebut from the previous year's IDR352 billion. This was mainly the result
utamanya disebabkan oleh peningkatan pendapatan bunga bersih. of an increase in net interest income.
Laba Setelah Pajak Profit After Tax
Per 31 Desember 2023, Bank membukukan laba setelah pajak As of December 31, 2023, the Bank posted IDR445 billion in profit
sebesar Rp445 miliar, meningkat Rp175 miliar atau 64,6% after tax, which marked an increase of IDR175 billion or 64.6%
jika dibandingkan dengan tahun 2022 yang sebesar Rp270 compared to IDR270 billion in 2022. This increase was in line with
miliar. Peningkatan tersebut sejalan dengan peningkatan laba an increase in profit before tax.
sebelum pajak.
Penghasilan Komprehensif Tahun Berjalan Comprehensive Income for the Year
Penghasilan komprehensif dihitung dengan menambah keuntungan Comprehensive income is calculated by adding the gain from
dari perubahan nilai atas instrumen utang yang diukur pada nilai changes in the value of debt instruments measured at fair value
wajar melalui penghasilan komprehensif lain-neto dikurangi through other comprehensive income (net) minus remeasurement
pengukuran kembali liabilitas imbalan pasca kerja-neto. Di tahun of post-employment benefits liabilities (net). In 2023, total
2023, jumlah penghasilan komprehensif tahun berjalan adalah comprehensive income for the current year was at IDR484 billion,
sebesar Rp484 miliar, mengalami peningkatan Rp199 miliar atau which marked an increase of IDR199 billion or 69.2% compared to
69,2% dibanding tahun sebelumnya sebesar Rp285 miliar. Hal ini the previous year's IDR285 billion. This was the result of an increase
disebabkan adanya peningkatan dari laba operasional yang berasal in operating profit, which itself was the result of an increase in net
peningkatan pendapatan bunga bersih. interest income.
Laba Per Saham Dasar Basic Earnings Per Share
Laba per saham dasar dihitung dengan membagi laba tahun Basic earnings per share is calculated by dividing the current year's
berjalan yang tersedia bagi pemegang saham dengan rata- profit available to shareholders by the weighted average number
rata tertimbang jumlah saham biasa yang beredar pada tahun of ordinary shares outstanding during the year. In 2023, the Bank
bersangkutan. Di tahun 2023, Bank membukukan laba per saham posted IDR20.46 in basic earnings per share. This marked an
dasar sebesar Rp20,46 atau meningkat sebesar 64,6% dari tahun increase of 64.6% from IDR12.43 in 2022. This change was in line
2022 Rp12,43. Hal ini sejalan dengan peningkatan laba bersih. with an increase in net profit.
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Arus Kas Konsolidasian Consolidated Cash Flows
Kenaikan (Penurunan)
Increase (Decrease)
2023 2022
Uraian
(Rp juta) (Rp juta) Nominal
Description
(IDR million) (IDR million) (Rp juta) Persentase (%)
Nominal Percentage (%)
(IDR million)
Arus Kas dari Aktivitas Operasi
2.348.097 (3.909.774) 6.257.871 160,06%
Cash Flows from Operating Activities
Arus Kas dari Aktivitas Investasi
(1.355.317) (248.861) (1.106.456) 444,61%
Cash Flows from Investing Activities
Arus Kas dari Aktivitas Pendanaan
(13.292) 4.785.874 (4.799.166) (100.28%)
Cash Flows from Financing Activities
Kenaikan (Penurunan) Bersih Kas dan Setara Kas
979.488 627.239 352.249 56,16%
Net Increase (Decrease) in Cash and Cash Equivalents
Kas dan Setara Kas Awal Tahun
873.888 246.649 627.239 254,30%
Cash and Cash Equivalents at Beginning of Year
Kas dan Setara Kas Akhir Tahun
1.853.376 873.888 979.488 112,08%
Cash and Cash Equivalents at End of Year
Di tahun 2023, jumlah kas dan setara kas akhir tahun Bank tercatat In 2023, the Bank's year-end cash and cash equivalents were
sebesar Rp1.85 triliun, mengalami peningkatan Rp979 miliar atau recorded at IDR1.85 trillion, which marked an increase of IDR979
112,08% dibanding tahun 2022 Rp874 miliar. Peningkatan ini billion or 112.08% compared to IDR874 billion in 2022. This
utamanya berasal dari peningkatan arus kas dari aktivitas operasi. increase mainly was the result of an increased cash flow from
operating activities.
Arus Kas dari Aktivitas Operasi Cash Flows from Operating Activities
Di tahun 2023, Bank mencatatkan kas bersih yang digunakan In 2023, the Bank recorded IDR2.35 trillion in net cash used for
untuk aktivitas operasi sebesar Rp2,35 triliun, meningkat Rp6,26 operating activities, which marked an increase of IDR6.26 trillion
triliun atau 160,06% jika dibandingkan dengan tahun 2022 sebesar or 160.06% compared to IDR3.91 trillion in 2022. This number was
Rp3,91 triliun. Hal ini dipengaruhi oleh realisasi kredit pada tahun influenced by credit realization in 2022, which was much greater
2022 jauh lebih besar dibandingkan realisasi kredit pada tahun than credit realization in 2023. And it was also influenced by an
2023. Dan juga dipengaruhi oleh peningkatan sumber dana dari increase in funding sources from securities transactions sold with
transaksi efek-efek yang dijual dengan janji dibeli kembali (repo) repurchase agreements (repo) and an increase in third party funds.
dan peningkatan dana pihak ketiga.
Arus Kas dari Aktivitas Investasi Cash Flows from Investing Activities
Kas bersih yang digunakan untuk aktivitas investasi di tahun 2023 Net cash used for investment activities in 2023 was recorded
tercatat mengalami peningkatan Rp1,11 triliun atau 444,61% dari to have increased by IDR1.11 trillion or 444.61%, up from from
sebesar Rp249 miliar pada tahun 2022 menjadi Rp1,36 triliun. Hal IDR249 billion in 2022 to IDR1.36 trillion. This was influenced by
ini dipengaruhi oleh pengeluaran dari pembelian aset keuangan expenses from purchasing financial assets which were measured
yang diukur pada nilai wajar melalui penghasilan komprehensif at fair value through other comprehensive income worth IDR3.18
lain senilai Rp3,18 triliun di tahun tersebut. trillion in that year.
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Arus Kas dari Aktivitas Pendanaan Cash Flows from Financing Activities
Bank membukukan kas bersih yang diperoleh dari aktivitas The bank recorded IDR13 billion in net cash obtained from funding
pendanaan sebesar Rp13 miliar di tahun 2023, menurun Rp4,80 activities in 2023, which marked a decrease of IDR4.80 trillion or
triliun atau 100,28% dibanding tahun 2022 sebesar Rp4,80 100.28% compared to IDR4.80 trillion in 2022. This was the result
triliun. Hal tersebut disebabkan karena pada tahun 2022 terdapat of IDR4.80 trillion in additional capital in 2022, whereas there was
penambahan modal sebesar Rp4,80 triliun, sebaliknya pada tahun no additional capital in 2023.
2023 tidak terdapat penambahan modal.
Rasio-Rasio Kinerja Keuangan
Financial Performance Ratios
Pertumbuhan
Uraian 2023 2022
(%)
Description (%) (%)
Growth (%)
Rasio Kecukupan Modal
83,35% 79,53% 3,82%
Capital Adequacy Ratio (CAR)
KPMM Tier 1
82,29% 78,62% 3,68%
CAR Tier 1
KPMM Tier 2
1,06% 0,92% 0,14%
CAR Tier 2
Aset Tetap terhadap Ekuitas
2,94% 2,41% 0,53%
Fixed Assets to Equity
Aset Produktif dan Non-Produktif Bermasalah terhadap Total Aset Produktif
dan Non-Produktif
0,05% 0,00% 0,05%
Non-Performing Productive and Non-Productive Assets to Total Productive
and Non-Productive Assets
Aset Produktif Bermasalah terhadap Total Aset Produktif
0,05% 0,00% 0,05%
Non-Performing Productive Assets to Total Productive Assets
CKPN Aset Keuangan terhadap Aset Produktif
0,51% 0,52% (0,01%)
Allowance for Impairment Losses on Financial Assets to Productive Assets
NPL Bruto
0,08% 0,01% 0,07%
NPL Gross
NPL Neto
0,05% 0,01% 0,04%
NPL Net
Tingkat Pengembalian atas Aset
4,76% 3,55% 1,21%
Return on Asset – ROA
Tingkat Pengembalian atas Ekuitas
6,70% 4,36% 2,34%
Return on Equity – ROE
Marjin Bunga Bersih
9,01% 6,70% 2,31%
Net Interest Margin – NIM
Biaya Operasional terhadap Pendapatan Operasional (BOPO)
59,87% 60,51% (0,65%)
Ratio of Operating Costs to Operating Income
Rasio Biaya terhadap Pendapatan
46,25% 47,41% (1,16%)
Cost to Income Ratio (CIR)
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Pertumbuhan
Uraian 2023 2022
(%)
Description (%) (%)
Growth (%)
Rasio Kredit terhadap Dana Pihak Ketiga
150,77% 163,19% (12,42%)
Loan to Deposit Ratio (LDR)
Rasio Dana Murah (CASA terhadap Dana Pihak Ketiga)
10,48% 7,90% 2,58%
Low-Cost Funds Ratio (CASA to Third-Party Funds)
Rasio Liabilitas terhadap Ekuitas
85,19% 72,49% 12,70%
Ratio of Liabilities to Equity
Rasio Liabilitas terhadap Aset
46,00% 42,03% 3,97%
Ratio of Liabilities to Total Assets
Rasio Kas dan Setara Kas terhadap Liabilitas
31,60% 18,80% 12,80%
Ratio of Cash and Cash Equivalents to Liabilities
Kemampuan Membayar
Utang dan Tingkat
Kolektibilitas Piutang
Solvency and Receivables
Collectability Rate
Kemampuan Membayar Utang Solvency
Allo Bank mengukur kemampuannya dalam melunasi seluruh Allo Bank measures its ability to pay off all its obligations, both
kewajibannya, baik jangka pendek maupun jangka panjang, short and long term, using liquidity ratios, solvency ratios and
dengan menggunakan rasio likuiditas, rasio solvabilitas dan rasio profitability ratios. These ratios illustrate the Bank’s ability to fulfill
rentabilitas. Rasio-rasio tersebut menggambarkan kemampuan Bank all maturing obligations in a timely manner in terms of both debt
dalam memenuhi seluruh kewajiban yang akan jatuh tempo secara principal payments and interest expenses.
tepat waktu, baik terhadap pembayaran pokok utang maupun
beban bunga.
Rasio Likuiditas Liquidity Ratios
Bank mengukur kemampuannya dalam memenuhi kewajiban jangka The Bank measures its ability to meet short-term obligations using
pendek dengan menggunakan rasio likuiditas yang tercermin a liquidity ratio reflected in the Cash and Cash Equivalents to
dari Rasio Kas dan Setara Kas terhadap Liabilitas. Di tahun 2023, Liabilities Ratio. In 2023, the Cash and Cash Equivalents Ratio
Rasio Kas dan Setara Kas tercatat sebesar 31,60% atau mengalami was recorded at 31.60%, which marked an increase of 18.80%
peningkatan jika dibandingkan dengan tahun sebelumnya sebesar compared to the previous year.
18,80%.
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Rasio Solvabilitas Solvency Ratios
Rasio solvabilitas digunakan untuk mengukur kemampuan Bank The solvency ratio is used to measure the Bank’s ability to fulfill all
dalam memenuhi seluruh kewajiban, baik jangka pendek maupun obligations, both short and long term, as can be seen reflected
jangka panjang, yang tercermin dari Rasio Permodalan atau Capital in the Capital Adequacy Ratio (CAR). In 2023, the Bank’s CAR
Adequacy Ratio (CAR). Di tahun 2023, CAR Bank berada di posisi was at 83.35%, which exceeded the minimum limit imposed by
83,35% atau melebihi ketentuan batas minimal yang diterapkan the regulator.
oleh regulator.
Rasio Rentabilitas Profitability Ratios
Bank mengukur kemampuannya dalam menghasilkan laba The Bank measures its ability to generate profits in a certain period
pada periode tertentu dengan menggunakan rasio rentabilitas. using a profitability ratio. Profitability is reflected in the Return on
Rentabilitas tercermin dari Rasio Imbal Hasil atas Aset (ROA) dan Assets (ROA) ratio and the Return on Equity (ROE) ratio. In 2023,
Rasio Imbal Hasil atas Ekuitas (ROE). Di tahun 2023, ROA dan ROE the Bank’s ROA and ROE were recorded at 4.76% and 6.70%
Bank masing-masing tercatat sebesar 4,76% dan 6,70%, di mana respectively. These both represented increases compared to the
capaian tersebut mengalami peningkatan jika dibanding tahun previous year’s respective 3.55% and 4.36%.
2022 yang sebesar 3,55% dan 4,36%.
Tingkat Kolektibilitas Piutang Receivables Collectability Rate
Bank mengukur kemampuannya dalam menagih piutang yang The Bank measures its ability to collect its receivables through the
dimiliki melalui rasio kualitas aset Bank. Rasio ini terdiri dari Bank’s asset quality ratio. This ratio consists of the Gross NPL Ratio
Rasio NPL Gross dan NPL Net, di mana semakin kecil nilai and Net NPL Ratio. The smaller the ratio value indicates a better
rasionya menunjukkan semakin baiknya kemampuan Bank dalam ability to collect receivables. In 2023, the Bank’s Gross NPL was
mengumpulkan piutangnya. Di tahun 2023, NPL Gross Bank tercatat recorded at 0.08%, an increase from the previous year’s 0.01%.
sebesar 0,08%, meningkat dari tahun sebelumnya sebesar 0,01%. Meanwhile, the Bank’s Net NPL in 2022 was recorded at 0.05%,
Sementara, NPL Net Bank di tahun 2022 tercatat sebesar 0,05%, an increase compared to 0.01% in 2022. Even though the number
meningkat dibanding tahun 2022 sebesar 0,01%. Walaupun has increased, this NPL ratio is considered very low when compared
mengalami peningkatan, namun rasio NPL tersebut tergolong to the overall national NPL ratio.
sangat rendah jika dibandingkan dengan rasio NPL secara nasional
Dampak Adanya Perubahan Kinerja Bank Dampak Adanya Perubahan Kinerja Bank
Di tahun 2023, kinerja Allo Bank mencatatkan capaian yang Di tahun 2023, kinerja Allo Bank mencatatkan capaian yang
signifikan. Indikator tersebut tercermin dari kinerja pendapatan signifikan. Indikator tersebut tercermin dari kinerja pendapatan
bunga di tahun 2023 sebesar Rp1.329 miliar. Jumlah tersebut bunga di tahun 2023 sebesar Rp1.329 miliar. Jumlah tersebut
meningkat Rp561 miliar atau 73,1% dibanding tahun sebelumnya meningkat Rp561 miliar atau 73,1% dibanding tahun sebelumnya
sebesar Rp768 miliar. Hal ini disebabkan oleh peningkatan sebesar Rp768 miliar. Hal ini disebabkan oleh peningkatan
pendapatan bunga kredit sejalan dengan peningkatan volume pendapatan bunga kredit sejalan dengan peningkatan volume
kredit dan peningkatan pendapatan bunga atas peningkatan efek- kredit dan peningkatan pendapatan bunga atas peningkatan efek-
efek. Di sisi lain, Bank juga membukukan laba setelah pajak sebesar efek. Di sisi lain, Bank juga membukukan laba setelah pajak sebesar
Rp445 miliar, meningkat Rp175 miliar atau 64,6% jika dibandingkan Rp445 miliar, meningkat Rp175 miliar atau 64,6% jika dibandingkan
dengan tahun 2022 yang sebesar Rp270 miliar. Bank senantiasa dengan tahun 2022 yang sebesar Rp270 miliar. Bank senantiasa
berinisiatif untuk menyusun strategi, target jangka pendek dan berinisiatif untuk menyusun strategi, target jangka pendek dan
jangka panjang dalam rangka mengembangkan skala bisnis Bank jangka panjang dalam rangka mengembangkan skala bisnis Bank
sebagai tolak ukur keberhasilan performa dengan menciptakan sebagai tolak ukur keberhasilan performa dengan menciptakan
keunggulan-keunggulan kompetitif untuk menjadi bank umum keunggulan-keunggulan kompetitif untuk menjadi bank umum
berbasis digital terdepan. berbasis digital terdepan.
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Struktur Modal dan
Kebijakan Manajemen
atas Struktur Modal
Capital Structure and Management
Policy on Capital Structure
Kebijakan Struktur Modal Capital Structure Policy
Kebijakan pengelolaan modal bertujuan untuk memastikan Allo Bank’s capital management policy aims to ensure that the
bahwa Bank memiliki modal yang kuat untuk mendukung Bank has strong capital to support the strategies currently being
strategi yang diterapkan saat ini dan mempertahankan implemented and to maintain sustainable development in the
kelangsungan pengembangan di masa mendatang. Kebijakan future. This policy also aims to fulfill all capital adequacy provisions
tersebut juga bertujuan untuk memenuhi ketentuan kecukupan established by the regulator and ensure the efficiency of the Bank’s
permodalan yang ditetapkan oleh regulator serta memastikan capital structure. For this reason, the Bank always carries out
efisiensi struktur permodalan Bank. Untuk itu, Bank senantiasa capital structure planning based on an assessment and review
melakukan perencanaan struktur modal berdasarkan penilaian of its required capital needs and combines this with prevailing
dan penelaahan atas kebutuhan permodalan yang dipersyaratkan economic conditions.
dan mengkombinasikannya dengan kondisi ekonomi yang terjadi.
Rencana permodalan yang disusun oleh Direksi menjadi bagian dari The capital plan prepared by the Board of Directors is used as part
Rencana Bisnis Bank (RBB) yang selanjutnya disetujui oleh Dewan of the Bank Business Plan (RBB), which is then approved by the
Komisaris. Rencana permodalan Bank disusun berdasarkan penilaian Board of Commissioners. The Bank’s capital plan is prepared based
atas kecukupan kebutuhan permodalan yang dipersyaratkan, on an assessment of the adequacy of required capital requirements,
rencana pengembangan usaha, serta kebutuhan likuiditas Bank. business development plans, and the Bank’s liquidity needs.
Dasar Pemilihan Struktur Modal Basics for Selecting Capital Structure
Bank mengelola struktur modalnya dengan mengacu kepada The Bank manages its capital structure by referring to Financial
Peraturan Otoritas Jasa Keuangan (POJK) No. 11/POJK.03/2016 Services Authority Regulation (POJK) No. 11/POJK.03/2016
tentang Kewajiban Penyediaan Modal Minimum Bank Umum yang concerning Minimum Capital Requirements for Commercial Banks.
menetapkan struktur modal paling rendah sebesar 9%-14% dari This regulation has established a minimum capital structure of
ATMR sesuai dengan Tingkat Profil Risiko. Berdasarkan penilaian 9%-14% of RWA in accordance with Risk Profile Level. Based on
internal, Direksi menetapkan Rasio Penyediaan Modal Minimum an internal assessment, the Board of Directors has determined the
(KPMM) Bank adalah sebesar 9,90% atau memenuhi ketentuan Bank’s Minimum Capital Adequacy Ratio (KPMM) to be at 9.90%
yang berlaku. (which means that it has met the applicable regulations).
Allo Bank juga telah memenuhi kewajiban modal inti minimum Allo Bank has also fulfilled its minimum core capital obligation of
sebesar Rp3 triliun sesuai dengan POJK No. 12/POJK.03/2020 IDR3 trillion in accordance with POJK No. 12/POJK.03/2020 dated
tanggal 16 Maret 2020 tentang Konsolidasi Bank Umum (KUB). Hal March 16, 2020 concerning Commercial Bank Consolidation (KUB).
tersebut sejalan dengan masuknya Allo Bank ke dalam Kelompok This is in line with Allo Bank’s entry into the Group of Banks Based on
Bank Berdasarkan Modal Inti 2 (KBMI 2) menyusul dengan Right Core Capital 2 (KBMI 2) following a Rights Issue carried out in 2022,
Issue yang dilakukan pada tahun 2022. Konglomerasi Keuangan with Mega Corpora Financial Conglomeration as a Linked financial
Mega Corpora sebagai LJK Terelasi, di mana yang bertindak sebagai services institution (with the main entity being PT Bank Mega) and
Entitas Utama adalah PT Bank Mega Tbk, serta Bank masuk ke the Bank entering the Commercial Bank Consolidation of Mega
dalam ke dalam KUB Mega Corpora sebagai anggota, di mana Corpora as a member, with the party acting as the Implementing
yang bertindak sebagai Pelaksana Perusahaan Induk (PPI) adalah Holding Company (PPI) being PT Bank Mega.
PT Bank Mega Tbk.
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Company Profile
Rincian Struktur Modal Details of Capital Structure
Berdasarkan POJK No. 11/POJK.03/2016 tentang Kewajiban In accordance with POJK No. 11/POJK.03/2016 concerning
Penyediaan Modal Minimum Bank Umum, struktur permodalan Minimum Capital Requirements for Commercial Banks, the Bank’s
Bank terdiri dari Modal Inti (Tier 1) dan Modal Pelengkap (Tier 2). capital structure consists of Core Capital (Tier 1) and Supplementary
Struktur permodalan Allo Bank untuk tahun 2023 dan 2022 yang Capital (Tier 2). Allo Bank’s capital structure for 2023 and 2022,
memperhatikan risiko-risiko terkait dapat dilihat sebagai berikut: after having taken into account related risks, can be seen detailed
in the following:
Kenaikan (Penurunan)
Increase (Decrease)
2023 2022
Uraian
(Rp juta) (Rp juta)
Description Nominal (Rp juta)
(IDR million) (IDR million) Persentase (%)
Nominal
Percentage (%)
(IDR million)
Modal Inti (Tier 1)
6.811.607 6.330.169 481,438 7,61%
Core Capital (Tier 1)
Modal Pelengkap (Tier 2)
87.725 73.881 13.844 18,74%
Additional Capital (Tier 2)
Total Modal
6.899.332 6.404.050 495.282 7,73%
Total Capital
ATMR Risiko Kredit
7.963.833 7.775.557 188.276 2,42%
RWA with Credit Risk
ATMR Risiko Pasar
- - - 0,00%
RWA with Market Risk
ATMR Risiko Operasional
313.432 276.440 36.992 13,38%
RWA with Operational Risk
Total ATMR
8.277.265 8.051.997 225,268 2,80%
Total RWA
Rasio KPMM sesuai Profil Risiko (%)
9,90% 9,90% - 0,00%
CAR Ratio Based on Risk Profile (%)
Dari CET 1 (%)
8,84% 8,98% (0,14%) (1,58%)
From CET 1 (%)
Dari AT 1 (%)
- - - 0,00%
From AT 1 (%)
Dari Tier 2 (%)
1,06%. 0,92% 0,14% 15,51%
From Tier 2(%)
Rasio KPMM
CAR Ratio
Rasio CET 1
82,29% 78,62% 3,68% 4,68%
Ratio CET 1
Rasio Tier 1
82,29% 78,62% 3,68% 4,68%
Ratio Tier 1
Rasio Tier 2
1,06% 0,92% 0,14% 15,51%
Ratio Tier 3
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Kenaikan (Penurunan)
Increase (Decrease)
2023 2022
Uraian
(Rp juta) (Rp juta)
Description Nominal (Rp juta)
(IDR million) (IDR million) Persentase (%)
Nominal
Percentage (%)
(IDR million)
CET 1 untuk Buffer (%)
73,45% 69,63% 3,82% 5,48%
CET 1 for Buffer (%)
Persentase Buffer yang Wajib Dipenuhi oleh Bank:
Percentage of Buffer Required by Banks:
Capital Conservation Buffer
2,50% 2,50% - 0,00%
Capital Conservation Buffer
Countercyclical Buffer - - - 0,00%
Capital Surcharge untuk Bank Sistemik
- - - 0,00%
Capital Surcharge for Systemic Banks
Komitmen dan Kontingensi
Commitments and Contingencies
Kenaikan (Penurunan)
Increase (Decrease)
2023 2022
Uraian
(Rp juta) (Rp juta) Nominal
Description
(IDR million) (IDR million) (Rp juta) Persentase (%)
Nominal Percentage (%)
(IDR million)
Komitmen
Commitment
Liabilitas Komitmen
Commitment Liabilities
Fasilitas Kredit kepada Nasabah yang (769.051) (732.945) (36.106) 4,93%
Belum Digunakan
Unused Loan Facilities to Debtors
Kontingensi
Contingencies
Tagihan Kontingensi
Contingencies Receivables
Pendapatan Bunga dalam Penyelesaian 5.324 365 4.959 1.358,63%
Past Due Interest Receivables
Kredit Hapus Buku 35.198 265 34.933 13.182,26%
Written-off Loans
Total Komitmen dan Kontingensi – Neto (728.529) (732.315) (3.786) 0,52%
Total Commitments and Contingencies – Net
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Ikatan yang Material untuk
Investasi Barang Modal
Material Commitments for
Investment in Capital Goods
Bank tidak memiliki ikatan material untuk investasi barang modal The Bank had no material commitments for investment in capital
pada tahun buku 2023. Oleh karena itu, Bank tidak menyajikan goods throughout the 2023 fiscal year. As such, the Bank is
informasi yang berkaitan dengan hal tersebut, di antaranya berupa: not presenting information relating to this matter, including the
following matters:
1. Nama dari pihak yang melakukan ikatan; 1. Name of the party making the bonds;
2. Tujuan dari perikatan; 2. The purpose of engagements;
3. Sumber dana yang disiapkan untuk memenuhi perikatan tersebut; 3. Sources of funds prepared for use in fulfilling obligations;
4. Denominasi mata uang dalam ikatan tersebut; dan 4. Denomination of currency within bonds; and
5. Langkah-langkah yang direncanakan Bank untuk melindungi 5. Steps planned by the Bank to hedge risks from any related
risiko dari posisi mata uang asing yang terkait. foreign currency positions.
Realisasi Investasi
Barang Modal
Realization of Investment in
Capital Goods
Jenis dan Nilai Investasi Barang Modal Types and Values of Investment in Capital Goods
Bagi Bank, investasi merupakan hal penting guna mengembangkan The Bank believes that investment is an essential aspect of
kegiatan usaha yang dijalankan. Realisasi investasi barang developing its business activities. The realization of the Bank’s
modal yang dilakukan Bank dalam 2 (dua) tahun terakhir adalah capital expenditure investments in the last 2 (two) years is detailed
sebagai berikut: in the following table:
Kenaikan (Penurunan)
Increase (Decrease)
2023 2022
Jenis Barang Modal
(Rp juta) (Rp juta) Nominal
Type of Capital Goods
(IDR million) (IDR million) (Rp juta) Persentase (%)
Nominal Percentage (%)
(IDR million)
Renovasi Bangunan
1.053 23.090 (22.037) 95,44%
Building Renovations
Kendaraan
771 1.520 (749) 49,28%
Vehicles
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Kenaikan (Penurunan)
Increase (Decrease)
2023 2022
Jenis Barang Modal
(Rp juta) (Rp juta) Nominal
Type of Capital Goods
(IDR million) (IDR million) (Rp juta) Persentase (%)
Nominal Percentage (%)
(IDR million)
Peralatan Kantor
13.850 101.285 (87.435) 86,33%
Office Equipment
Aset dalam penyelesaian
72.657 - 72.657 N.A
Assets in progress
Aset hak guna sewa
4.943 48.640 (43.697) 89,84%
Leasehold use right asset
Jumlah
93.274 174.535 (81.261) 46,56%
Total
Berdasarkan tabel di atas, terlihat bahwa realisasi investasi barang According to the data presented in the table above, capital goods
modal yang dilakukan Bank pada tahun 2023 mengalami penurunan investment made by the Bank decreased by IDR81.26 billion. It
sebesar Rp81,26 miliar atau 46,56% dari Rp174,53 miliar di tahun went down to IDR93.74 billion in 2023, or a reduction of 46.56%
2022 menjadi Rp93,74 miliar. Penurunan ini lebih disebabkan oleh from IDR174.53 billion in 2022. This decrease was the result of
realisasi investasi barang modal jenis peralatan kantor. investment in capital goods such as office equipment.
Tujuan Investasi Barang Modal Purpose of Investment in Capital Goods
Tujuan utama investasi barang modal yang dilakukan oleh Bank The main purpose of capital goods investment carried out by the
adalah untuk membeli atau menambah nilai aset tetap. Melalui Bank is to purchase or increase the value of fixed assets. Through
investasi barang modal diharapkan dapat memenuhi kegiatan investment in capital goods, the Bank hopes that it can fulfill
operasional sejalan dengan ekspansi bisnis yang berkesinambungan operational activities in line with its sustainable business expansion
sehingga mampu memberikan nilai tambah bagi Bank di so as to provide added value for itself in the future.
masa mendatang.
Informasi Material mengenai Investasi, Ekspansi, Material Information about Investment, Expansion,
Divestasi, Penggabungan Usaha, Akuisisi dan/atau Divestment, Business Merger/Consolidation,
Restrukturisasi Utang/Modal Acquisition, and/or Debt/Capital Restructuring
Per 31 Desember 2023, Bank tidak memiliki informasi material As of December 31, 2023, the Bank did not have any material
mengenai investasi, ekspansi, divestasi, penggabungan usaha, information regarding investments, expansions, divestments,
akuisisi dan/atau restrukturisasi utang/modal yang berpengaruh business mergers, acquisitions and/or any kind of debt/capital
terhadap kinerja keuangan maupun kinerja operasional Perusahaan. restructuring that could have an impact on the Company’s financial
performance or operational performance.
Perbandingan antara Target Anggaran dengan Comparison between Budget Targets and Realization
Realisasi dan Proyeksi Usaha and Business Projections
Pada awal tahun 2023, Bank telah menyusun dan menetapkan The Bank prepared and established a Bank Business Plan (RBB)
Rencana Bisnis Bank (RBB) yang memuat sejumlah target yang at the beginning of 2023 that contained a number of targets the
hendak dicapai. Penyusunan RBB senantiasa memperhatikan Bank sought to achieve. The RBB’s preparation process took into
kondisi yang terjadi sepanjang tahun 2023 sehingga dapat account conditions that occurred throughout 2023 so that it can
mendukung tercapainya visi dan misi Bank. Perbandingan antara be designed in a way that supported the achievement of the Bank’s
realisasi dan target pada tahun 2023 serta proyeksi 1 (satu) tahun vision and mission. A comparison between realization and targets
mendatang dapat dilihat sebagai berikut: in 2023, as well as projections for the next 1 (one) year, can be
seen in the following table:
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Pencapaian RBB 2024
RBB 2024
Realisasi 2023 Realisasi terhadap terhadap
RBB 2023 RBB 2024 terhadap
(Rp-miliar) RBB 2023 (%) Realisasi 2023
Uraian (Rp-miliar) (Rp-miliar) RBB 2023 (%)
2023 Realization (%)
Description 2023 RBB 2024 RBB 2024 RBB
Realization Achievement 2024 RBB
(IDR-billion) (IDR-million) against
(IDR-billion) against 2023 RBB against 2023
2023 RBB (%)
(%) Realization (%)
Pendapatan Bunga bersih
1.037 915 113,25% 1.156 111,54% 126,32%
Net Interest Income
Laba Tahun Berjalan
Sebelum Pajak 575 413 139,31% 646 112,28% 156,43%
Profit of the Year Before Tax
Total Aset
12.750 12.300 103,66% 13.542 106,21% 110,09%
Total Assets
Kredit yang Diberikan
7.386 8.000 92,32% 8.482 114,84% 106,03%
Loans
Dana Pihak Ketiga
4.899 5.350 91,56% 5.929 121,03% 110,82%
Third Party Funds
Total Ekuitas
6.885 6.681 103,06% 7.352 106,79% 110,06%
Total Equity
NPL Gross (%) 0,08% 0,31% 26,00% 0,26% 317,82% 82,62%
CAR (%) 83,35% 74,11% 112,47% 76,72% 92,05% 103,53%
Informasi dan Fakta Material yang Terjadi Setelah Material Information and Facts Occurring After the
Tanggal Laporan Akuntan Accountant’s Report Date
Sejak akhir periode 31 Desember 2023 hingga tanggal laporan Between December 31, 2023 and the date of the independent
auditor independen pada 29 Januari 2024, tidak terdapat peristiwa auditor’s report on January 29, 2024, there have been no important
atau kejadian penting yang berpengaruh signifikan terhadap laporan events or occurrences that have had a significant impact on the
keuangan Perusahaan. Company’s financial statements.
Dampak Nilai Tukar Mata Uang Asing Foreign Exchange Rate Impact
Hingga 31 Desember 2023, Allo Bank menjalankan seluruh kegiatan As of December 31 2023, Allo Bank carried out all its business
usahanya dengan menggunakan mata uang Rupiah. Oleh karena activities using the Rupiah currency. As such, no information
itu, tidak terdapat informasi mengenai dampak nilai tukar mata uang regarding the impact of foreign currency exchange rates can be
asing yang dapat disajikan dalam Laporan Tahunan ini. presented in this Annual Report.
Prospek Usaha Business Prospects
Kondisi perekonomian Indonesia saat ini dipengaruhi oleh dinamika The current condition of the Indonesian economy is being influenced
geopolitik, rantai pasok, hingga perubahan iklim global. Perseteruan by geopolitical dynamics, supply chains, and global climate change.
antar negara menyebabkan terganggunya kelancaran rantai pasok Disputes between countries have disrupted the smooth running
global sehingga harga energi dan mineral serta berbagai komoditas of global supply chains, causing prices of energy and minerals
penting meningkat tajam. Selain itu, perubahan iklim global as well as the prices of various important commodities to rise
mempengaruhi tingkat produktivitas sektor pangan dan sektor riil sharply. In addition, global climate change has affected the level of
lainnya. Pengetatan kebijakan moneter dan peningkatan suku bunga productivity in the food sector and in other real sectors. Tightening
yang dilakukan oleh berbagai negara di dunia tidak cukup efektif monetary policy and increasing interest rates carried out by various
untuk menurunkan tingkat inflasi sehingga mempengaruhi daya countries in the world have not been effective enough to reduce the
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beli masyarakat global. Bank Dunia juga memprediksi lebih lanjut inflation rate. This has affected the purchasing power of the global
bahwa ekonomi Asia akan melambat akibat peningkatan signifikan community. The World Bank has also made further projections that
utang pemerintah secara umum, serta lonjakan pesat tingkat utang the Asian economy will slow down due to a significant increase in
korporasi khususnya di China yang berpotensi membatasi investasi government debt in general, as well as a rapid increase in corporate
publik dan swasta. debt levels, especially in China, which has the potential to limit
public and private investment.
Indonesia juga diprediksi akan menghadapi tantangan gejolak Indonesia is also predicted to face challenges in economic turmoil
ekonomi terkait dengan perhelatan pemilihan umum yang akan related to the general election held in 2024, but this also has the
dilaksanakan pada tahun 2024, namun hal ini juga berpotensi akan potential to increase the consumption activity of political parties
meningkatkan aktivitas konsumsi partai politik dan meningkatkan and do the same for domestic economic growth. The Indonesian
pertumbuhan perekonomian domestik. Pemerintah Indonesia juga government is also continuing to proceed with various investment
terus melanjutkan berbagai proyek investasi yang berdampak positif projects that have a positive impact on the economy, including
pada perekonomian, antara lain proyek strategis nasional, proyek national strategic projects, the Indonesian Capital City (IKN)
pengembangan Ibu Kota Nusantara (IKN) dan hilirisasi industri. development project and industrial downstreaming. In terms of
Dari sisi perdagangan antar negara, ditopang peningkatan ekspor trade between countries, Indonesia’s trade balance continued its
terutama sektor non-oil dan gas, neraca perdagangan Indonesia surplus trend for 40 consecutive months (thanks to the support
melanjutkan tren surplus selama 40 bulan berturut-turut. of increased exports, especially in the non-oil and gas sectors).
Secara keseluruhan, ketahanan perekonomian Indonesia dinilai baik Overall, Indonesia’s economic resilience is considered good and
dan relatif stabil dibandingkan volatilitas yang dialami negara-negara relatively stable compared to volatility being experienced by other
lain di tengah tantangan global. Hal ini tercermin dari pertumbuhan countries in the midst of global challenges. This is reflected in
Produk Domestik Bruto (PDB) Indonesia di atas 5% sepanjang tahun Indonesia’s Gross Domestic Product (GDP) growth being above
2022 dan 2023. Dengan mempertimbangkan faktor-faktor di atas, 5% throughout 2022 and 2023. Taking into account the factors
berbagai pihak sangat optimis dengan perkembangan ekonomi above, various parties consider themselves very optimistic about
Indonesia di tahun 2024. Indonesia’s economic development in 2024.
Mencermati instabilitas makro ekonomi dunia maupun indonesia Having looked at the world’s macroeconomic instability and
yang akan terus memiliki volatilitas tinggi, industri perbankan Indonesia’s continuing high volatility, the banking industry is
diharapkan menjadi fondasi untuk berpartisipasi pada pertumbuhan expected to serve as a financial intermediary function so that it
ekonomi negara sebagai fungsi financial intermediary. Otoritas can be the foundation for participating in the country’s economic
Jasa Keuangan melaporkan dalam siaran pers No.138, fungsi growth. The Financial Services Authority reported in its press release
intermediasi perbankan berjalan dengan normal dalam menopang No. 138 that this banking intermediary function was running normally
perekonomian baik di sisi pembiayaan (perkreditan) maupun dalam in supporting the economy both on the financing side and in
penghimpunan dana. Perbankan mampu menunjukkan resiliensi raising funds. Banking is able to demonstrate resilience with high
dengan permodalan yang tinggi dengan likuiditas yang memadai capital, adequate liquidity and controlled credit risk in the midst of
dan risiko kredit yang terkendali di tengah tekanan dengan tingkat pressures from global interest rates. Bank Indonesia predicts credit
suku bunga global. Bank Indonesia memprediksi pertumbuhan growth in 2024 will grow 11%. In the future, growth in banking
kredit pada tahun 2024 akan tumbuh 11%. Ke depan, pertumbuhan credit distribution will continue to recover together with increasing
penyaluran kredit perbankan akan terus melanjutkan pemulihan economic activity.
dengan meningkatnya aktivitas perekonomian.
Otoritas Jasa Keuangan terus mendorong perkembangan The Financial Services Authority continues to encourage sustainable
industri perbankan secara berkelanjutan seperti yang tercantum development within the banking industry as stated in its Indonesian
dalam Master Plan Sektor Jasa Keuangan Indonesia (MPSJKI) Financial Services Sector Master Plan (MPSJKI) 2021-2024. One way
2021-2024. Salah satu cara yang dilakukan perbankan untuk that banks can increase perceived value in the country’s economy
meningkatkan perceived value pada perekonomian negara adalah is by digitalizing banking services. The Ministry of Economy has
dengan melakukan digitalisasi layanan perbankan. Kementerian stated that the digital economy has emerged as a buffer for national
Perekonomian menyatakan bahwa ekonomi digital telah menjelma economic stability in the midst various current global challenges. A
sebagai salah satu penopang (buffer) bagi stabilitas perekonomian study conducted by Google, Temasek, Bain & Company stated that
nasional ditengah berbagai tantangan global saat ini. Studi yang the value of Indonesia’s digital economy in 2023 reached USD82
dilakukan oleh Google Temasek, Bain & Company menyatakan billion and is predicted to increase to USD109 billion in 2025.
bahwa nilai ekonomi digital Indonesia pada tahun 2023 mencapai
sebesar USD 82 miliar dan diprediksi akan meningkat hingga USD
109 miliar pada tahun 2025.
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Dari sisi regulasi, pemerintah telah mengesahkan Undang-Undang From a regulatory perspective, the government passed Law No. 4 of
No. 4 Tahun 2023 tentang Pengembangan dan Penguatan Sektor 2023 concerning Development and Strengthening of the Financial
Keuangan (UU P2SK) yang bertujuan untuk mengoptimalkan Sector (UU P2SK). This law aimed to optimize the intermediary
fungsi intermediasi kepada usaha sektor produktif, meningkatkan function for productive sector businesses, increase inclusion and
inklusi dan literasi sektor jasa keuangan, mengembangkan dan literacy in the financial services sector, develop and strengthen the
memperkuat ekosistem sektor keuangan, serta mampu menciptakan financial sector ecosystem, generate synergy and good coordination
sinergi dan koordinasi yang baik antar regulator serta meningkatkan between regulators, and increase the competitiveness of society
daya saing masyarakat, sehingga dapat berusaha secara efektif so that business can be carried out effectively and efficiently.
dan efisien. Dengan UU P2SK, diharapkan pencegahan atau This law is designed to ensure that the prevention or handling of
penanganan permasalahan perbankan dapat lebih antisipatif, banking problems can be done in a more anticipatory manner,
dimana langkah mitigasi dilakukan lebih dini untuk mencegah with mitigation steps being taken early to prevent problems that
permasalahan yang akan terjadi. Di sisi lain, langkah penanganan could occur. On the other hand, any necessary handling steps
yang dibutuhkan dapat berjalan efektif dan efisien, khususnya bagi can be effective and efficient, especially for companies operating
perusahaan-perusahaan yang bergerak dalam sektor keuangan. in the financial sector.
Berdasarkan laporan Rencana Pembangunan Jangka Menengah According to its National Medium Term Development Plan (RPJMN)
Nasional (RPJMN) tentang besarnya potensi ekonomi digital report regarding the huge potential of the digital economy, the
maka pemerintah terus berupaya mendorong pengembangan government will continue to work in encouraging the development
ekonomi digital melalui penguatan sinergi dan inovasi kebijakan of the digital economy. It aims to do this through a strengthening
yang akan berfokus pada pemantapan ekosistem digital pada synergies and policy innovation that will focus on strengthening the
aspek pasokan (supply) dan pemanfaatan (demand) termasuk digital ecosystem in the supply and demand aspects, including big
pengelolaan big data. Bank Indonesia juga terus mendorong data management. Bank Indonesia also continues to encourage
akselerasi digitalisasi sistem pembayaran dan perluasan kerja acceleration in the digitalization of payment systems and the
sama sistem pembayaran antar negara guna mendorong inklusi expansion of payment system cooperation between countries to
ekonomi keuangan serta perluasan ekonomi dan keuangan digital encourage financial economic inclusion and expansion of the digital
mengingat jumlah penduduk Indonesia yang masih unbanked economy and finance. This is especially important considering
adalah sebesar 97,7 juta orang atau 48% dari penduduk. Dengan that the number of Indonesian people who are still unbanked is
data tersebut, Otoritas Jasa Keuangan terus mendorong akselerasi 97.7 million people, or 48% of the population. With this data, the
indeks inklusi keuangan sesuai dengan target pemerintah mencapai Financial Services Authority continues to encourage the acceleration
90% pada tahun 2024. Dengan perkembangan eksponensial of the financial inclusion index in accordance with the government’s
teknologi digital seiring dengan penggunaan smartphone yang target of reaching 90% by 2024. Thanks to the exponential
tinggi didukung dengan luasnya jaringan telekomunikasi, perbankan development of digital technology (along with high smartphone use
diharapkan terus beradaptasi dengan transformasi digital seiring supported by extensive telecommunications networks), the banking
dengan perkembangan teknologi yang semakin pesat dan akses industry is expected to continue to adapt to digital transformation
terhadap teknologi yang semakin mudah. in line with increasingly rapid technological developments and in
line with increasingly easy access to technology.
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Aspek Pemasaran
Marketing Aspect
Strategi Pemasaran Marketing Strategy
Seiring dengan semakin berkembang dan ketatnya persaingan di As competition in the banking industry continues to develop and
industri perbankan, khususnya bank umum berbasis digital membuat become tighter, especially for digital-based commercial banks,
Allo Bank terus mengoptimalkan strategi guna mengoptimalkan Allo Bank continues to refine its strategies for optimizing the Bank’s
kinerja Bank. Hal tersebut dilakukan dengan mengembangkan performance. It does this by developing its main ecosystem as its
ekosistem utama sebagai fokus Bank agar dapat mewujudkan tujuan focus so that it can realize its business goals and provide added
bisnis dan dapat memberikan nilai tambah kepada nasabah maupun value to customers and other stakeholders. The Bank continues to
pemangku kepentingan lainnya. Bank terus memperkuat fondasi strengthen its business foundation as a digital-based commercial
bisnisnya selaku Bank umum berbasis digital dengan memperkuat bank by strengthening its synergies with the CT Corpora ecosystem
sinergi dengan ekosistem CT Corpora dan mitra strategis lainnya. and other strategic partners. The Bank also positions itself as a
Bank juga memposisikan diri sebagai bank umum berbasis digital digital-based commercial bank that focuses on providing the best
yang berfokus untuk memberikan produk dan layanan terbaik secara products and services online with a limited number of branch offices
daring dengan jumlah kantor cabang yang terbatas sehingga para so that customers can access banking services easily.
nasabah dapat mengakses layanan perbankan dengan mudah.
Untuk mencapai visinya, Manajemen Bank telah menetapkan To achieve its vision, Bank Management has established a number
sejumlah langkah strategis yang dapat mengoptimalkan kinerjanya, of strategic steps that can optimize its performance, including:
di antaranya dengan:
1. Melakukan penetrasi pasar dan memberikan nilai tambah 1. Penetrating the market and providing added value to customers
kepada nasabah secara berkelanjutan melalui implementasi on an ongoing basis through implementing its 3 business
3 pilar strategi bisnis Bank (acquisition, engagement, and strategy pillars (acquisition, engagement, and monetization);
monetization);
2. Meningkatkan layanan digital secara signifikan yang berdampak 2. Significantly improving digital services, resulting in increased
pada peningkatan aset dan liabilitas; assets and liabilities;
3. Menjalin kolaborasi dengan berbagai mitra strategis ekosistem 3. Establishing collaboration with various key ecosystem strategic
utama melalui penerapan model Open Banking untuk partners through the implementation of an Open Banking
memperkaya dan meningkatkan nilai layanan finansial yang model to enrich and increase the value of its financial services;
disediakan oleh Bank;
4. Penguatan data driven organization dengan memanfaatkan 4. Strengthening its data driven organization by utilizing Artificial
kapabilitas Artificial Intelligence (AI) dan data analytic untuk Intelligence (AI) and data analytic capabilities to increase its
meningkatkan keunggulan kompetitif Bank; competitive advantage;
5. Penguatan manajemen risiko menggunakan teknologi terkini 5. Strengthening risk management using the latest technology in
dalam rangka memperkuat operasional Bank; order to strengthen Bank operations;
6. Pengembangan talenta DIGITAL untuk mencapai kinerja Bank 6. Developing DIGITAL talent to achieve greater levels of Bank
yang unggul; dan performance; and
7. Penguatan Good Corporate Governance (GCG) di seluruh 7. Strengthening Good Corporate Governance (GCG) throughout
fungsi organisasi Bank. all of the Bank’s organizational functions.
Pangsa Pasar Market Share
Kebutuhan nasabah dalam bertransaksi pada era digital adalah Serving the needs of customers as they make transactions in the
prioritas utama Bank dalam menciptakan produk & layanan berbasis digital era represent the Bank’s main priority as it creates innovative
digital yang inovatif dan memberikan kemanfaatan ekonomi tidak digital-based products and services that can provide economic
hanya untuk Bank tetapi juga nasabah. Bank senantiasa berinisiatif benefits. The Bank always takes the initiative to develop strategies
untuk menyusun strategi, target jangka pendek dan jangka panjang and short-term and long-term targets in order to improve the
dalam rangka mengembangkan skala bisnis Bank sebagai tolak Bank’s business scale as a benchmark for successful performance.
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ukur keberhasilan performa dengan menciptakan keunggulan- It does this by creating competitive advantages to become a leading
keunggulan kompetitif untuk menjadi bank umum berbasis digital digital-based commercial bank.
terdepan.
Dalam kondisi ekonomi yang menantang ini industri perbankan In these challenging economic conditions, the banking industry
diharapkan untuk berkembang sebagai salah satu fondasi untuk is expected to develop as one of the foundations for maintaining
menjaga ketahanan perekonomian nasional. Salah satu cara yang national economic resilience. One way that this is generally being
secara umum dilakukan oleh industri perbankan adalah melakukan carried out by the banking industry is through the digitizing of
digitalisasi layanan perbankan. Hal ini dilakukan untuk meningkatkan banking services. This is done to improve access to banking services
akses terhadap layanan perbankan kepada masyarakat yang for people who fall under the bankable population criteria but do
termasuk kriteria bankable population namun tidak memiliki akun not yet have an account with a bank. The potential for improving
pada bank. Potensi peningkatan layanan perbankan secara digital digital banking services is still quite high. According to the Indonesia
masih cukup tinggi. Menurut laporan Indonesia e-Conomy SEA e-Conomy SEA 2022 report compiled by Google, Temasek and
2022 yang disusun oleh Google, Temasek and Bain, layanan Bain, digital payment services will grow to reach USD421 billion,
pembayaran secara digital akan tumbuh mencapai 421 miliar USD with a Compound Annual Growth Rate (“CAGR”) of 17%. Meanwhile,
dengan Compound Annual Growth Rate (“CAGR”) sebesar 17%, digital loans will grow to reach USD16 billion in 2025, with a CAGR
pinjaman digital akan tumbuh mencapai 16 miliar USD pada tahun of 51%. Digital remittance services will grow to reach USD3 billion
2025 dengan CAGR sebesar 51%, serta layanan remitansi secara with a CAGR of 26% in 2025.
digital akan tumbuh mencapai 3 miliar USD dengan CAGR sebesar
26% pada tahun 2025.
Kebijakan Dividen
dan Pembagiannya
Dividend Policy and Distribution
Kebijakan Pembagian Dividen Dividend Distribution Policy
Bank menentukan jumlah dan pembayaran dividen sesuai dengan The Bank determines the amount and payment of dividends in
peraturan perundang-undangan yang berlaku, yaitu Undang- accordance with applicable laws and regulations, specifically, Law
Undang No. 40 Tahun 2007 tentang Perseroan Terbatas dan No. 40 of 2007 concerning Limited Liability Companies, as well
Kebijakan internal mengenai Pembagian Dividen. Berdasarkan as internal policies regarding Dividend Distributions. Based on the
ketentuan Pasal 71 ayat 3 Undang-Undang No. 40 Tahun 2007, provisions of Article 71, Paragraph 3 of Law No. 40 of 2007, and
Anggaran Dasar Bank dan Kebijakan internal, Bank dapat based on the Bank’s Articles of Association and internal policies,
membagikan dividen kepada pemegang saham apabila Bank the Bank is allowed to distribute dividends to shareholders if the
memiliki saldo laba yang positif dan sesuai dengan kemampuan Bank has a positive profit balance. These dividends are also to be
keuangan Perseroan, berdasarkan ketentuan yang berlaku. distributed according to the Bank’s financial capabilities and on the
Rencana pembagian dividen didasarkan atas pemenuhan hak basis of applicable regulations. The Bank’s dividend distribution plan
pemegang saham dengan mengutamakan kepentingan Bank tanpa is based on fulfilling shareholder rights by prioritizing the interests
mengabaikan sejumlah faktor, seperti tingkat kesehatan keuangan, of the Bank without ignoring a number of factors, such as the levels
tingkat kecukupan modal, serta kebutuhan dana untuk ekspansi of financial soundness, levels of capital adequacy, and the need for
usaha tanpa mengurangi hak dari RUPS untuk menentukan lain funds that can be used for business expansion without reducing
sesuai dengan ketentuan Anggaran Dasar. the rights of the GMS to determine otherwise in accordance with
the provisions of the Bank’s Articles of Association.
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Kronologis Pembagian Dividen
Chronology of Dividend Distribution
2023 2022
Dividen Saham
(untuk Dividen Saham Tahun Buku 2022) (untuk Dividen Saham Tahun Buku 2021)
Stock Dividend
(for the 2022 Fiscal Year Share Dividend) (for the 2021 Fiscal Year Share Dividend)
Laba Bersih (Rp juta)
444.566 270.030
Net profit (IDR million)
Jumlah Dividen (Rp) Nihil Nihil
Total Dividend (IDR) Nil Nil
Dividen Per Saham (Rp)
- -
Dividend per Share (Rp)
Payout Ratio (%) - -
Tanggal Pengumuman
- -
Announcement Date
Tanggal Pembayaran
- -
Payment date
Hingga 31 Desember 2023, Allo Bank tidak memiliki program As of December 31, 2023, Allo Bank did not have any employee
kepemilikan saham oleh karyawan (ESOP) dan/atau manajemen share ownership programs (ESOP) and/or management share
(MSOP). Dengan demikian, tidak terdapat informasi terkait ESOP/ ownership programs (MSOP). As such, there is no information
MSOP yang dapat disajikan dalam Laporan Tahunan ini. related to ESOP/MSOP that can be presented in this Annual Report.
Informasi tentang Program
kepemilikan Saham oleh
Karyawan dan/atau
Manajemen (ESOP/MSOP)
Information on Employee and/or
Management Stock Ownership Program
(ESOP/MSOP)
Allo Bank telah melakukan Penawaran Umum Terbatas (PUT) di Allo Bank conducted a Limited Public Offering (PUT) in 2022 in
tahun 2022 dalam rangka Penambahan Modal dengan Memberikan the context of Limited Public Offering III for Pre-Emptive Rights
Hak Memesan Efek Terlebih Dahulu (PMHMETD) III kepada para (PMHMETD) to shareholders that totalled in at 10,047,322,871
pemegang saham sebanyak 10.047.322.871 saham biasa atau ordinary shares (or 46.24%) of issued and fully paid capital after
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Informasi tentang Realisasi
Penggunaan Dana Hasil
Penawaran Umum
Information on the Realization of the Use
of Public Offering Funds
sebesar 46,24% dari modal ditempatkan dan disetor penuh setelah PMHMETD III, and with a nominal value of IDR100 per share and
PMHMETD III dengan nilai nominal Rp100 setiap saham dengan an Exercise Price of IDR478 per share. As such, total funds received
Harga Pelaksanaan Rp478 per saham, sehingga jumlah dana by the Bank in PMHMETD III amounted to IDR4,802,620 million.
yang diterima Bank dalam PMHMETD III ini sebesar Rp4.802.620 The actual use of funds from the public offering was as follows:
juta. Adapun realisasi penggunaan dana hasil penawaran umum
tersebut adalah sebagai berikut:
Rencana Penggunaan Dana
Nilai Realisasi Hasil Penawaran Umum
Menurut Prospektus
Realization of Fund Resulting from Public Offering
Plan on the Appropriation of Fund
Jenis
Penawaran Tanggal
No Umum Efektif Jumlah Hasil
Biaya
Public Offering Effective Date Penawaran Infrastruktur IT
Penawaran
Type Umum Hasil Bersih Kredit (85%) (10%)
Umum
Total Fund Net Total Loan (85%) IT Infrastructure
Public Offering
Resulting from (10%)
Fee
Public Offering
1 Penawaran Umum 26 Januari 2022 4.802.620 2.224 4.800.396 4.080.336 480.040
Terbatas III
Limited Public
Offering III
Berdasarkan dana hasil PMHMETD III yang diperoleh Bank (setelah Funds the Bank obtained from PMHMETD III (after deducting
dikurangi komisi, biaya, dan bebas emisi lainnya), digunakan dengan commissions, fees and other free emissions) were used in the
rincian sebagai berikut: following ways:
• Rp4.080.336 juta (85%) untuk Kredit; • IDR4,080,336 million (85%) for Credit;
• Rp480.040 juta (10%) untuk Infrastruktur IT; • IDR480,040 million (10%) for IT Infrastructure;
• Rp240.020 juta (5%) untuk Pengembangan operasional. • IDR240,020 million (5%) for operational development.
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Realisasi Penggunaan Dana Menurut Prospektus Sisa Dana
Realization of the Appropriation of Fund Hasil
Penawaran
Umum
Pengembangan Remaining
Operasional Pengembangan Fund
(5%) Jumlah Kredit Infrastruktur IT Operasional Jumlah Resulting
Operational Total Loan IT Infrastructure Operational Total from Public
Development Development Offering
(5%)
240.020 4.800.396 4.080.336 264.772 240.000 4.585.128 215.268
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Informasi Transaksi
Material yang Mengandung
Benturan Kepentingan
dan/atau Transaksi dengan
Pihak Afiliasi/Pihak Berelasi
Information on Material Transactions
Containing Conflicts of Interest and/or
Transactions with Affiliated/Related Parties
Kebijakan Mekanisme Review atas Transaksi dan Policy on Review Mechanisms for Transactions
Pemenuhan Peraturan dan Ketentuan Terkait and Compliance with Relevant Regulations and
Requirements
Allo Bank memiliki kebijakan terkait transaksi yang mengandung The Bank has policies related to transactions containing conflicts of
benturan kepentingan dan/atau transaksi dengan pihak berelasi. interest and/or transactions with related parties. The Bank’s affiliate
Bank melakukan seluruh transaksi dengan pihak afiliasi dengan transactions are always conducted with prudence according to
memperhatikan prinsip kehati-hatian sesuai dengan praktik bisnis generally accepted business practices and in compliance with OJK
yang berlaku umum serta telah memenuhi Peraturan OJK No. 42/ Regulation No. 42/POJK.04/2020 concerning Affiliate Transactions
POJK.04/2020 tentang Transaksi Afiliasi dan Transaksi Benturan and Conflict of Interest Transactions, as well as PSAK No. 7 on
Kepentingan dan PSAK No. 7 tentang Pengungkapan Pihak-pihak Disclosure of Related Parties.
Berelasi.
Pada praktiknya, Direksi senantiasa memastikan seluruh kegiatan The Board of Directors ensures that all affiliate transaction activities
transaksi afiliasi yang dilakukan telah melalui proses yang memadai have gone through adequate procedures and are in line with the
sesuai dengan prinsip transaksi yang wajar (arm’s length principle). arm’s length principle. In addition, the Board of Commissioners
Dewan Komisaris dan Komite Audit juga telah melakukan telaah and the Audit Committee have also reviewed to ensure that affiliate
untuk memastikan bahwa transaksi afiliasi dilaksanakan sesuai transactions are conducted in accordance with generally accepted
dengan praktik bisnis yang berlaku umum dan telah memenuhi business practices and comply with the arm’s length principle. The
prinsip transaksi yang wajar (arm’s length principle). Mekanisme review mechanism for transactions with related parties concerning
review atas transaksi dengan pihak afiliasi dan/atau pihak berelasi affiliate transactions is carried out through an audit process by the
dilakukan melalui proses audit oleh Satuan Kerja Audit Internal yang Audit Committee, the results of which are then reported to the
hasilnya kemudian dilaporkan kepada Dewan Komisaris. Board of Commissioners.
Per 31 Desember 2023, Allo Bank tidak memiliki transaksi yang As of December 31, 2023, there were no material transactions
mengandung benturan kepentingan yang bersifat material dan containing conflicts of interest that impacted the Bank’s financial
berdampak terhadap kinerja keuangan dan kinerja operasional Bank. and operational performance.
Transaksi dengan Pihak Berelasi Transactions with Related Parties
Sepanjang tahun 2023, Bank melaksanakan transaksi-transaksi Throughout 2023, the Bank carried out transactions with related
dengan pihak berelasi. Bank melakukan transaksi dengan pihak parties. It did this by way of compliance with an “arm’s length
berelasi dengan memenuhi prinsip transaksi yang wajar (arm’s length principle” in accordance with the terms agreed by both parties,
principle) sesuai dengan persyaratan yang disetujui oleh kedua which may not be the same as other transactions carried out with
belah pihak, yang mungkin tidak sama dengan transaksi lain yang unrelated parties. All transactions with related parties carried out by
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Sustainability Report 169
dilakukan dengan pihak-pihak yang tidak berelasi. Seluruh transaksi the Bank were also done in accordance with PSAK No. 7 concerning
dengan pihak berelasi yang dilakukan oleh Bank juga telah sesuai Disclosure of Related Parties and Capital Market and Financial
dengan PSAK No. 7 tentang Pengungkapan Pihak-pihak Berelasi Institutions Supervisory Agency Regulation No. KEP-347/BL/2012
dan Peraturan Bapepam dan LK No. KEP-347/BL/2012 tanggal 25 dated June 25, 2012 concerning Presentation and Disclosure of
Juni 2012 tentang Penyajian dan Pengungkapan Laporan Keuangan Financial Reports of Issuers or Public Companies.
Emiten atau Perusahaan Publik.
Nama, Sifat, Hubungan dan Sifat Transaksi Berelasi
Name, Nature of Relationship, and Nature of Related Transactions
Pihak Berelasi Sifat Hubungan Berelasi Sifat Transaksi
Related Parties Nature of Relation Nature of Transaction
PT Mega Corpora Pemegang saham Dana setoran modal, simpanan dan beban bunga
Shareholders Capital Deposits, Savings,and Interest Expenses
PT Bukalapak.com Tbk Pemegang saham Dana setoran modal, simpanan dan beban bunga
Shareholders Capital Deposits, Savings,and Interest Expenses
PT Bank Mega Tbk Dimiliki oleh Pemegang Saham akhir yang sama Kustodian, Giro pada Bank Lain
Owned by the same ultimate shareholder Custodian, Current Account with Other Banks
PT Bank Mega Syariah Dimiliki oleh Pemegang Saham akhir yang sama Giro pada bank lain
Owned by the same ultimate shareholder Current accounts with other banks
PT Trans Media Corpora Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Owned by the same ultimate shareholder Savings and interest expenses
PT Duta Visual Nusantara Tivi Tujuh Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Owned by the same ultimate shareholder Savings and interest expenses
PT Asuransi Umum Mega Dimiliki oleh Pemegang Saham akhir yang sama Asuransi pemberian kredit dan properti, simpanan dan
Owned by the same ultimate shareholder beban bunga
Credit and property insurance, deposits and interest
expenses
PT CT Corpora Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Owned by the same ultimate shareholder Savings and interest expenses
PT Trans Corpora Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Owned by the same ultimate shareholder Savings and interest expenses
PT PFI Mega Life Insurance Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Owned by the same ultimate shareholder Savings and interest expenses
PT Allo Fresh Indonesia Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Owned by the same ultimate shareholder Savings and interest expenses
PT Trans Retail Indonesia Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Owned by the same ultimate shareholder Savings and interest expenses
PT Mega Capital Sekuritas Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Owned by the same ultimate shareholder Savings and interest expenses
PT Trans Kalla Makassar Dimiliki oleh Pemegang Saham akhir yang sama Kredit yang diberikan, pendapatan bunga, simpanan dan
Owned by the same ultimate shareholder beban bunga
Credit provided, interest income, savings and interest
expenses
PT Mega Finance Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Owned by the same ultimate shareholder Savings and interest expenses
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Profil Perusahaan
Company Profile
Pihak Berelasi Sifat Hubungan Berelasi Sifat Transaksi
Related Parties Nature of Relation Nature of Transaction
PT Mega Central Finance Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Owned by the same ultimate shareholder Savings and interest expenses
PT Mega Auto Finance Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Owned by the same ultimate shareholder Savings and interest expenses
PT Trans Fashion Indonesia Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Owned by the same ultimate shareholder Savings and interest expenses
PT Metropolitan Retailmart Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Owned by the same ultimate shareholder Savings and interest expenses
PT Alfa Retailindo Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Owned by the same ultimate shareholder Savings and interest expenses
PT Parabandung Propertindo Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Owned by the same ultimate shareholder Savings and interest expenses
Yayasan CT Arsa Dimiliki oleh Pemegang Saham akhir yang sama Simpanan dan beban bunga
Owned by the same ultimate shareholder Savings and interest expenses
Perseorangan Komisaris, Direksi, Pejabat Eksekutif, Keluarga Kredit yang diberikan, pendapatan bunga, simpanan dan
Individuals Board of Commissioners, Board of Directors, beban bunga
Executive Staff, Family Credit provided, interest income, savings and interest
expenses
Realisasi Transaksi Pihak Berelasi Realization of Related Party Transactions
Bank melaksanakan transaksi dengan pihak berelasi sesuai dengan The Bank carries out transactions with related parties in accordance
ketentuan yang berlaku. Adapun Kegiatan transaksi berelasi yang with applicable regulations. The related transaction activities carried
dilakukan pada tahun 2022 dan 2023 adalah sebagaimana berikut: out in 2022 and 2023 encompassed the following:
2023 2022
Uraian
(Rp juta) (Rp juta)
Description
(IDR million) (IDR million)
Aset
Assets
Giro pada Bank Lain (Catatan 6)
177.910.333.490 152.186.649.430
Current Accounts at Other Banks (Note 6)
Kredit yang Diberikan (Catatan 10)
247.792.969.164 161.747.513.207
Loans (Note 10)
Pendapatan Bunga yang Masih Akan Diterima (Catatan 11)
1.077.812.384 305.189.807
Interest Income Receivable (Note 11)
Total Aset yang Terkait dengan Pihak Berelasi
1.626.781.115.038 314.239.352.444
Total Assets with related parties
Persentase dari Jumlah Aset
12,76% 2,84%
Percentage of total assets
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2023 2022
Uraian
(Rp juta) (Rp juta)
Description
(IDR million) (IDR million)
Liabilitas
Liability
Simpanan Nasabah (Catatan 18)
Deposits from Customers (Note 18)
Giro
7.186.778.203 4.397.318.920
Current Account
Tabungan
- 941.078
Savings Deposit
Deposito
1.211.021.904.479 2.008.252.096.662
Time Deposit
Simpanan dari Bank Lain (Catatan 19)
37.389 39.873
Deposits from Other Banks (Note 19)
Efek-efek yang Dijual dengan Janji Dibeli Kembali (Catatan 17)
- -
Marketable Securities sold under agreements to resell (Note 17)
Jumlah Liabilitas yang Terkait dengan Pihak Berelasi
1.218.208.720.071 2.012.650.396.533
Total Liabilities with related parties
Pernyataan Direksi terkait prinsip transaksi yang Board of Directors statement regarding the Arm’s
wajar (arm’s length principle) Length Principle
Direksi berkomitmen memegang prinsip Arm’s length principle (ALP) The Board of Directors is committed to upholding the Arm’s Length
dimana merupakan prinsip yang mengatur bahwa apabila kondisi Principle (ALP). This principle regulates that if the conditions in
dalam transaksi yang dilakukan antara pihak yang mempunyai a transaction carried out between parties who have a Special
Hubungan Istimewa sama atau sebanding dengan kondisi dalam Relationship are the same or comparable to the conditions in
transaksi yang dilakukan antara pihak yang tidak mempunyai a transaction carried out between parties who do not have a
Hubungan Istimewa yang menjadi pembanding, maka harga atau Special Relationship, then the prices raised or profits generated
laba dalam transaksi yang dilakukan antara pihak-pihak yang in transactions carried out between parties who do have a special
mempunyai Hubungan Istimewa harus sama dengan atau berada relationship must be the same as or within the range of prices or
dalam rentang harga atau laba dalam transaksi yang dilakukan antara profits in transactions carried out between parties who do not have
pihak yang tidak mempunyai Hubungan Istimewa yang menjadi a special relationship (that act as a point of comparison). This is
pembanding. Pada prinsipnya, berdasarkan pada norma bahwa done so that these transactions can reflect fair market prices (Fair
harga atau laba atas transaksi yang dilakukan dengan pihak afiliasi Market Value, or “FMV”).
ditentukan oleh kekuatan pasar, sehingga transaksi tersebut dapat
mencerminkan harga pasar yang wajar (Fair Market Value/FMV).
Peran Dewan Komisaris dan komite audit dalam The Role of the Board of Commissioners and the
memenuhi prinsip transaksi yang wajar (arm’s Audit Committee in Fulfilling the Arm’s Length
length principle) Principle
Dewan Komisaris bersama dengan Komite Audit berkomitmen The Board of Commissioners together with the Audit Committee
memegang prinsip Arm’s length principle (ALP). Mekanisme review are committed to upholding the Arm’s Length Principle (ALP).
Perseroan atas transaksi dengan Pihak-pihak Berelasi dilakukan The Company’s review mechanism for transactions with Related
melalui proses audit khususnya audit yang telah dilakukan oleh Parties is carried out through an audit process, especially audits that
akuntan publik dan dipublikasikan, dimana mekanisme ini tertuang have been carried out by public accountants and published. This
dalam PSAK 7 (revisi 2014) tentang “Pengungkapan Pihak-pihak mechanism is contained in PSAK 7 (revised in 2014) concerning
Berelasi”. Pada prinsipnya, berdasarkan pada norma bahwa harga “Related Party Disclosures”. In principle, based on the norm that
atau laba atas transaksi yang dilakukan dengan pihak afiliasi the price or profit on transactions carried out with affiliated parties
ditentukan oleh kekuatan pasar, sehingga transaksi tersebut dapat is determined by market forces, these transactions are designed so
mencerminkan harga pasar yang wajar (Fair Market Value/FMV). that they can reflect fair market prices (Fair Market Value, or “FMV”).
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Profil Perusahaan
Company Profile
Informasi Keuangan yang
Mengandung Kejadian
yang Bersifat Luar Biasa
dan Jarang Terjadi
Financial Information
Containing Extraordinary and Rare Events
Sepanjang tahun 2023, Bank tidak mengalami kejadian Throughout 2023, the Bank did not experience any
yang bersifat luar biasa dan jarang terjadi. Dengan extraordinary or rare events. As such, there is no
demikian, tidak terdapat informasi kejadian keuangan information about extraordinary and rare financial
yang bersifat luar biasa dan jarang terjadi yang dapat events that can be disclosed in this Annual Report.
diungkapkan dalam Laporan Tahunan ini.
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Sustainability Report 173
Perubahan Peraturan
Perundang-undangan yang
Berpengaruh Signifikan
Terhadap Perusahaan
Changes in Legislation that Have Had a
Significant Influence on the Company
Di tahun 2023, terdapat perubahan peraturan perundang- In 2023, there were changes made to statutory regulations that
undangan yang berdampak signifikan terhadap kinerja had a significant impact on the Bank’s operational and financial
operasional dan keuangan Bank. Adapun perubahan peraturan performance. The changes in statutory regulations and their impact
perundang-undangan dan dampaknya terhadap Bank dapat dilihat on the Bank can be seen detailing in the following table:
sebagai berikut:
Perubahan Peraturan/
Dampak terhadap
Perundang-Undangan Penjelasan
Perusahaan
Changes in Regulations/ Explanation
Impact on the Company
Legislation
POJK Nomor 17 Tahun 2023 Ketentuan Penerapan Tata Kelola Bagi Bank Umum yang telah diselaraskan Bank akan menyesuaikan Piagam
Tentang Penerapan Tata Kelola sesuai dengan perkembangan dan kebutuhan bisnis terkini dan harmonisasi serta Prosedur Internal, Laporan
bagi Bank Umum berbagai ketentuan terkait Tata Kelola Bank Umum. Tahunan GCG dan Laporan Profil
POJK Number 17 of 2023 Provisions for the Implementation of Governance for Commercial Banks, Risiko sesuai dengan ketentuan
concerning the Implementation which have been harmonized in accordance with the latest business yang berlaku.
of Governance for Commercial developments and with the needs and harmonization of various provisions
Banks related to Commercial Bank Governance. The Bank will adjust its Charter
and Internal Procedures, Annual
GCG Report and Risk Profile
Report in accordance with
applicable regulations.
POJK Nomor 9 Tahun 2023 Ketentuan perihal Penggunaan Jasa Akuntan Publik Dan Kantor Akuntan Bank telah melakukan
dan SEOJK Nomor 18 Tahun Publik Dalam Kegiatan Jasa Keuangan, yang disesuaikan dengan ketentuan menyesuaikan aktivitas
2023 Tentang Penggunaan peraturan perundang-undangan dan kode etik profesi Akuntan Publik dan penunjukan AP/KAP dan
Jasa Akuntan Publik dan Kantor harmonisasi pengaturan untuk mewujudkan hubungan yang independen mengkinikan kebijakan dan
Akuntan Publik dalam Kegiatan dan juga memberikan learning curve yang memadai untuk memahami prosedur internal.
Jasa Keuangan kondisi pihak auditee dalam pemberian jasa audit.
POJK Number 9 of 2023 and Provisions regarding the Use of Public Accounting Services and Public The Bank has adjusted its Public
SEOJK Number 18 of 2023 Accounting Firms in Financial Services Activities, which are adjusted to the Accountant/Public Accountant
concerning the Use of Public provisions of laws and regulations and the Public Accountant professional Office appointment activities
Accounting Services and Public code of ethics and harmonization of regulations to create an independent and updated its internal policies
Accounting Firms in Financial relationship and also provide an adequate learning curve to understand the and procedures.
Services Activities condition of the auditee in the provision of audit services.
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2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Perubahan Peraturan/
Dampak terhadap
Perundang-Undangan Penjelasan
Perusahaan
Changes in Regulations/ Explanation
Impact on the Company
Legislation
PBI Nomor 11 Tahun 2023 tentang Ketentuan Kebijakan Insentif Likuiditas Makroprudensial, dimana BI Bank telah menyesuaikan
Kebijakan Insentif Likuiditas memperkuat stimulus Kebijakan Makroprudensial untuk mendorong kebijakan dan prosedur internal
Makroprudensial dan Peraturan pertumbuhan kredit sektor perbankan melalui implementasi Kebijakan serta menggunakan insentif dari
Anggota Dewan Gubernur Nomor Insentif Likuiditas Makroprudensial (KLM) dengan pengurangan giro Bank BI sebagai faktor pengurang
11 Tahun 2023 tentang Peraturan di BI. pemenuhan GWM rata-rata.
Pelaksanaan Kebijakan Insentif Provisions for the Macroprudential Liquidity Incentive Policy, in which BI
Likuiditas Makroprudensial (PADG strengthens its Macroprudential Policy stimulus to encourage banking sector Bank telah menyampaikan
KLM). credit growth through the implementation of a Macroprudential Liquidity laporan UMi (Ultra Mikro) sesuai
PBI Number 11 of 2023 Incentive Policy (KLM) by reducing bank demand deposits at BI. PADG KLM.
concerning Macroprudential
Liquidity Incentive Policy and The Bank has adjusted its internal
Board of Governors Member policies and procedures and
Regulation Number 11 of 2023 used incentives from BI as a
concerning Implementing reducing factor in meeting the
Regulations for Macroprudential average GWM.
Liquidity Incentive Policy (PADG
KLM). The bank has submitted a UMi
(Ultra Micro) report according to
KLM PADG.
SEOJK Nomor 24/ Tingkat maturitas digital merupakan kondisi yang mencerminkan Bank akan menyesuaikan
SEOJK.03/2023 Tentang pemenuhan terhadap seluruh aspek dalam penyelenggaraan TI kebijakan dan prosedur internal
Penilaian Tingkat Maturitas Digital sesuai dengan POJK PTI serta kesiapan Bank dalam mendukung serta menyampaikan Laporan
Bank Umum transformasi digital. self-assessment tingkat maturitas
SEOJK Number 24/ digital Bank sesuai dengan batas
SEOJK.03/2023 concerning Penilaian tingkat maturitas digital Bank dapat menjadi salah satu acuan waktu yang ditetapkan.
Assessment of Commercial Bank bagi Bank untuk mengetahui keandalan infrastruktur TI serta manajemen
Digital Maturity Levels pengelolaan infrastruktur TI, sehingga dapat digunakan oleh Bank sebagai The Bank will adjust internal
dasar pertimbangan untuk pengembangan produk dan layanan yang lebih policies and procedures and
komprehensif bagi konsumen. submit a self-assessment report
on the Bank’s digital maturity
Ketentuan Penilaian tingkat maturitas digital yang merupakan panduan level according to the specified
bagi Bank untuk menentukan, menilai, dan mengevaluasi kondisi time limit.
digitalisasi secara mandiri dan/atau menggunakan pihak ketiga untuk dapat
mengetahui tingkat maturitas digitalisasi Bank.
The digital maturity level is a condition that reflects the fulfillment of all
aspects of IT implementation in accordance with POJK PTI as well as the
Bank’s readiness to support digital transformation.
Assessments of the Bank’s digital maturity level can serve as references for
the Bank to determine the reliability of IT infrastructure and IT infrastructure
management, so that it can be used by the Bank as a basis for consideration
for developing more comprehensive products and services for consumers.
Provisions for digital maturity level assessment, which is a guide for Banks to
determine, assess and evaluate digitalization conditions independently and/
or using third parties to determine the Bank’s digitalization maturity level.
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Sustainability Report 175
Perubahan Peraturan/
Dampak terhadap
Perundang-Undangan Penjelasan
Perusahaan
Changes in Regulations/ Explanation
Impact on the Company
Legislation
POJK Nomor 21 Tahun 2023 Perubahan ekspektasi masyarakat terhadap layanan bank serta Bank akan mengkinikan Kebijakan
tentang L
ayanan Digital oleh perkembangan layanan berbasis digital mendorong bank untuk terus dan prosedur internal, dan
Bank Umum. mengembangkan dan berinovasi dalam memberikan layanan digital. menyesuaikan infrastruktur TI
POJK Number 21 of 2023 serta fungsi terkait layanan digital
concerning Digital Services by Diperlukan ruang inovasi agar bank dapat memberikan layanan yang sesuai ketentuan yang berlaku
Commercial Banks. komprehensif kepada nasabah, namun tetap memperhatikan aspek
manajemen risiko, keamanan data nasabah, serta pelindungan konsumen. The Bank will adjust its internal
policies and procedures and
Ketentuan Layanan Digital Oleh Bank Umum, yang dikinikan sebagai submit a self-assessment report
tindak lanjut penerbitan UU No. 4 Tahun 2023 perihal Penguatan Sektor on the Bank’s digital maturity
Keuangan, Roadmap Pengembangan Perbankan Indonesia 2020-2025 level according to the specified
dan Cetak Biru Transformasi Digital Perbankan 2021. time limit.
Changes in public expectations regarding bank services and the
development of digital-based services encourage banks to continue to
develop and innovate in providing digital services.
Space for innovation is needed so that banks can provide comprehensive
services to customers. These innovations still need to pay attention to
aspects risk management, customer data security, and consumer protection.
Provisions for Digital Services by Commercial Banks, which were updated as
a follow-up to the issuance of Law No. 4 of 2023 concerning Strengthening
the Financial Sector, Roadmap for Indonesian Banking Development 2020-
2025, and the Blueprint for Digital Banking Transformation 2021.
POJK 22 Tahun 2023 tentang Perkembangan industri jasa keuangan yang makin kompleks dan dinamis Bank akan mengkinikan Kebijakan
Pelindungan Konsumen dan dan perkembangan digitalisasi produk dan/atau layanan di sektor jasa dan prosedur internal, melakukan
Masyarakat di Sektor Jasa keuangan yang semakin pesat maka perlu didukung peningkatan aspek aktifitas dan menyampaikan
Keuangan pelindungan konsumen dalam rangka mewujudkan sistem keuangan yang laporan sesuai dengan ketentuan
POJK 22 of 2023 concerning tumbuh secara berkelanjutan, stabil dan mampu melindungi kepentingan yang berlaku.
Consumer and Public Protection konsumen dan masyarakat.
in the Financial Services Sector The Bank will update its internal
Ketentuan terkait Pelindungan Konsumen Dan Masyarakat Di Sektor Jasa policies and procedures, and
Keuangan, yang dikinikan sesuai dengan UU P2SK dan tindak lanjut adjust its IT infrastructure and
harmonisasi Pengaturan Pelindungan Konsumen dan Masyarakat. functions related to digital
services in accordance with
The increasingly complex and dynamic development of the financial applicable regulations
services industry and the increasingly rapid development of digitalization
of products and/or services in the financial services sector means that it is
necessary to support increased aspects of consumer protection in order to
realize a financial system that can grow sustainably, and will remain stable
and capable of protecting the interests of consumers and society.
Provisions related to Consumer and Public Protection in the Financial
Services Sector, which are updated in accordance with the P2SK Law
and as a follow-up to the harmonization of Consumer and Public
Protection Regulations.
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2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Perubahan Peraturan/
Dampak terhadap
Perundang-Undangan Penjelasan
Perusahaan
Changes in Regulations/ Explanation
Impact on the Company
Legislation
POJK No. 3 Tahun 2023 Tentang OJK melakukan penyempurnaan terhadap POJK 76 Tahun 2016 menjadi Bank akan menyesuaikan
Peningkatan Literasi dan Inklusi POJK Nomor 3 Tahun 2023 tentang Peningkatan Literasi dan Inklusi kebijakan dan prosedur
Keuangan di Sektor Jasa Keuangan di Sektor Jasa Keuangan bagi Konsumen dan Masyarakat (POJK internal serta menyampaikan
Keuangan Bagi Konsumen dan LIK SJK). POJK LIK SJK diterbitkan juga memperkuat komitmen, kesadaran, Laporan Literasi dan/atau Inklusi
Masyarakat dan tanggung jawab PUJK yang memiliki produk dan/atau layanan serta sesuai dengan batas waktu
POJK No. 3 of 2023 concerning berinteraksi langsung dengan Konsumen dan/atau masyarakat terhadap yang ditetapkan.
Increasing Literacy and Financial peningkatan Literasi dan Inklusi Keuangan bagi Konsumen dan masyarakat.
Inclusion in the Financial Services The Financial Services Authority (OJK) has made improvements to Financial The Bank will update its internal
Sector for Consumers and the Services Authority Regulation (POJK) No. 76 of 2016 to become POJK policies and procedures, carry
Community No. 3 of 2023concerning Increasing Literacy and Financial Inclusion in out its activities and submit
the Financial Services Sector for Consumers and the Community (POJK reports in accordance with
LIK SJK). This POJK LIK SJK issued also strengthens the commitment, applicable regulations.
awareness and responsibility of Financial Services Business Actors (PUJKs)
that have products and/or services and interact directly with consumers and/
or the community to increase financial literacy and inclusion for consumers
and the community.
POJK No. 8 Tahun 2023 Otoritas Jasa Keuangan (OJK) terus memperkuat integritas sektor jasa Bank telah menyesuaikan
Tentang Penerapan Program Anti keuangan dengan menerbitkan Peraturan OJK Nomor 8 Tahun 2023 kebijakan dan prosedur yang
Pencucian Uang, Pencegahan tentang Penerapan Program Anti Pencucian Uang, Pencegahan Pendanaan terkait dengan program APU PPT
Pendanaan Terorisme, Dan Terorisme, dan Pencegahan Pendanaan Proliferasi Senjata Pemusnah dan PPSPM sesuai dengan POJK
Pencegahan Pendanaan Massal di Sektor Jasa Keuangan (POJK APU PPT dan PPPSPM di SJK). 8 Tahun 2023.
Proliferasi Senjata Pemusnah The Financial Services Authority (OJK) continues to strengthen the integrity
Massal Di Sektor Jasa Keuangan of the financial services sector through its issuing of OJK Regulation Bank juga telah menyampaikan
POJK No. 8 of 2023 concerning Number 8 of 2023 on the Implementation of Anti-Money Laundering penilaian risiko TPPU, TPPT, dan/
Implementation of Anti-Money (AML), Counter-Terrorist Financing (CTF), and Counter-Proliferation atau PPSPM yang telah disusun
Laundering Programs, Prevention Financing of Weapons of Mass Destruction (CPF) Program in the Financial secara individual sebagaimana
of Terrorism Financing, and Services Sector. POJK 8 Tahun 2023.
Prevention of Funding for the
Proliferation of Weapons of The Bank has adjusted policies
Mass Destruction in the Financial and procedures related to the
Services Sector AML-CTF & CPF programs
in accordance with POJK 8
of 2023.
The Bank has also submitted a
risk assessment for AML-CTF
and/or CPF which has been
prepared individually as per POJK
8 of 2023.
PBI No. 3 Tahun 2023 tentang Penerbitan UU P2SK merupakan upaya pemerintah untuk memajukan Bank akan menyesuaikan
Pelindungan Konsumen Bank kesejahteraan umum melalui reformasi sektor keuangan Indonesia. Salah kebijakan dan prosedur
Indonesia dan Peraturan Anggota satu isu utama yang mendorong penerbitan UU P2SK adalah masih internal serta menyampaikan
Dewan Gubernur Nomor 20 rendahnya pelindungan konsumen dalam sektor keuangan. Pelindungan Laporan Literasi dan/atau Inklusi
Tahun 2023 tentang Tata Cara konsumen sangat penting untuk meningkatkan kepercayaan masyarakat sesuai dengan batas waktu
Pelaksanaan Pelindungan terhadap produk dan layanan keuangan, serta mendukung tercapainya yang ditetapkan.
Konsumen Bank Indonesia stabilitas sektor keuangan.
PBI No. 3 of 2023 concerning The issuance of the P2SK Law represents the government’s effort to The Bank will adjust internal
Bank Indonesia Consumer advance general welfare through reform of the Indonesian financial sector. policies and procedures and
Protection and Regulation One of the main issues that prompted the issuance of the P2SK Law was submit Literacy and/or Inclusion
of Members of the Board of the low level of consumer protection in the financial sector. Consumer Reports according to the
Governors Number 20 of 2023 protection is very important to increase public confidence in financial specified time limits.
concerning Procedures for products and services, as well as supporting the achievement of stability
Implementing Bank Indonesia within the financial sector.
Consumer Protection
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Perubahan Kebijakan
Akuntansi dan Dampaknya
Terhadap Perusahaan
Changes in Accounting Policies and Their
Impact on the Company
Bank telah menyusun dan menerapkan kebijakan The Bank has prepared and implemented accounting
akuntansi sesuai dengan Standar Akuntansi Keuangan policies in accordance with Financial Accounting
(SAK) yang telah diterbitkan oleh Dewan Standar Standards (SAK) which have been issued by the
Akuntansi Keuangan-Ikatan Akuntan Indonesia (DSAK- Financial Accounting Standards Board-Indonesian
IAI) yang berlaku efektif untuk tahun buku yang dimulai Accountants Association (DSAK-IAI). These policies
pada 1 Januari 2023. Adapun perubahan kebijakan are effective for the fiscal year that began on January
akuntansi dan dampaknya terhadap Bank sepanjang 1, 2023. The changes to accounting policies and the
tahun 2023 adalah sebagai berikut: impact these policies have had on the Bank throughout
2023 is as follows:
Perubahan Kebijakan Akuntansi dan Penjelasan Dampak terhadap Perusahaan
Changes in Accounting Policies and Explanations Impact on the Company
Amendemen PSAK 1: Penyajian Laporan Keuangan tentang Pengungkapan Implementasi dari standar-standar
Kebijakan Akuntansi. tersebut tidak menghasilkan perubahan
Amendment to PSAK 1: Presentation of Financial Reports regarding Disclosure substansial terhadap kebijakan akuntansi
of Accounting Policies. Bank dan tidak memiliki dampak yang
material terhadap laporan keuangan di
Amendemen PSAK 1: Penyajian Laporan Keuangan tentang Liabilitas Jangka tahun berjalan atau tahun sebelumnya.
Panjang dengan Kovenan.
Amendment to PSAK 1: Presentation of Financial Reports on Long-Term The implementation of these standards
Liabilities with Covenants. has not result in substantial changes
on the Bank's accounting policies and
Amendemen PSAK 16: Aset Tetap tentang Hasil Sebelum Penggunaan have not had any material impact on
yang Diintensikan. financial statements in the current or
Amendment to PSAK 16: Fixed Assets Regarding Results Before Intended Use. previous year.
Amendemen PSAK 25: Kebijakan Akuntansi, Perubahan Estimasi Akuntansi dan
Kesalahan tentang Definisi Estimasi Akuntansi.
Amendment to PSAK 25: Accounting Policies, Changes in Accounting Estimates
and Errors Regarding the Definition of Accounting Estimates.
Amendemen PSAK 46: Pajak Penghasilan tentang Pajak Tangguhan Terkait
Aset Liabilitas yang Timbul dari Transaksi Tunggal.
Amendment to PSAK 46: Income Tax Regarding Deferred Taxes Related to
Assets and Liabilities Arising from a Single Transaction.
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Management Report
Profil Perusahaan
Company Profile
Informasi
Kelangsungan Usaha
Business Continuity Information
Hal-hal yang Berpotensi Berpengaruh Matters that have the potential to have a
Signifikan terhadap Kelangsungan Usaha significant impact on business continuity
Kondisi yang penuh dengan ketidakpastian sepanjang Uncertain conditions throughout 2023 due to
tahun 2023 akibat masih berlanjutnya ketegangan pada continuing tensions in global geopolitics, high levels
geopolitik global, tingginya tingkat inflasi, dan semakin of inflation, and increasingly rapid digital developments
pesatnya perkembangan digital di industri perbankan in the banking industry proved to be challenges for Allo
menjadi tantangan tersendiri bagi Allo Bank dalam Bank in carrying out its business activities. Nevertheless,
menjalankan kegiatan usahanya. Memahami kondisi the Bank continued to adapt by strengthening its
yang terjadi, Bank senantiasa beradaptasi dengan business fundamentals as a digital-based commercial
memperkuat fundamental bisnis sebagai bank umum bank supported by qualified human resources and
berbasis digital yang didukung oleh sumber daya technology. This allowed Allo Bank to be able to
manusia dan teknologi yang mumpuni sehingga Allo continue to move forward in the midst of various
Bank mampu terus maju melangkah di tengah berbagai challenges and uncertainties.
tantangan dan ketidakpastian.
Sebagai salah satu perusahaan perbankan dengan As a banking company with a digital service base, Allo
basis layanan digital, Allo Bank mempertajam fokusnya Bank continued to sharpen its focus on optimizing
untuk mengoptimalkan layanan secara daring dengan online services with a limited number of branch
jumlah kantor cabang yang terbatas dan membangun offices and on building synergies with the CT Corpora
sinergi dengan ekosistem CT Corpora dan strategic ecosystem and other strategic business partners in
business partners lainnya dalam mengembangkan developing an integrated digital ecosystem. Through the
digital ecosystem yang terintegrasi. Melalui pendekatan right approach, Allo Bank believes that it can improve
yang tepat, Allo Bank yakin bahwa hal tersebut mampu business in a sustainable manner and contribute
meningkatkan bisnis secara berkesinambungan positively to national economic growth.
serta berkontribusi positif pada pertumbuhan
perekonomian nasional.
Management’s Assessment of Matters that
Assessment Manajemen atas Hal-hal Have a Significant Influence on Business
yang Berpengaruh Signifikan terhadap Continuity
Kelangsungan Usaha
Dalam menghadapi seluruh tantangan yang mungkin Throughout its efforts in facing all of its potential
dihadapi, Allo Bank telah menyusun dan menerapkan challenges, Allo Bank has developed and implemented
sistem manajemen risiko yang baik, mulai dari penetapan a good risk management system. This system begins by
sejumlah risiko utama hingga upaya mitigasinya. determining a number of main risks to mitigating efforts.
Selain itu, manajemen Bank juga melakukan evaluasi dan The Bank’s management has also carried out evaluations
assessment terkait hal-hal yang berpengaruh signifikan and assessments regarding matters that have had a
terhadap kelangsungan usaha Bank. Dewan Komisaris significant impact on the Bank’s business continuity.
dan Direksi turut berperan dalam berbagai upaya untuk The Board of Commissioners and Board of Directors
mengelola potensi risiko yang berpengaruh signifikan play a role in various efforts to manage potential risks
terhadap kelangsungan usaha Bank. Assessment that have a significant impact on the Bank’s business
manajemen dilakukan dengan memperhatikan berbagai continuity. Management assessments are carried out by
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Sustainability Report 179
faktor, seperti analisis kekuatan kondisi keuangan Bank maupun taking into account various factors, such as analyzing the strength
operasional. Berdasarkan hasil assessment tersebut, manajemen of the Bank’s financial condition and operations. Looking at the
tidak mendapati adanya hal-hal yang berpengaruh signifikan results of these assessments, the Bank’s management did not
terhadap kelangsungan usaha Allo Bank. find anything that has had a significant impact on Allo Bank’s
business continuity.
Asumsi yang Digunakan Manajemen dalam Assumptions Used by Management in Carrying Out
Melakukan Assessment Assessments
Manajemen melaksanakan assessment kemampuan Bank dalam Management carries out an assessment of the Bank’s ability to
melanjutkan kelangsungan usahanya di masa yang akan datang continue its business continuity in the future by way of using
dengan menggunakan asumsi dan pertimbangan berupa analisis assumptions and considerations in the form of a SWOT (Strengths,
SWOT (Strengths, Weaknesses, Opportunities, and Threats). Analisis Weaknesses, Opportunities, and Threats) analysis. This SWOT
SWOT yang dilakukan telah mempertimbangkan sejumlah faktor analysis has taken into consideration a number of factors that are
yang dianggap penting, seperti kinerja keuangan, likuiditas, considered important, such as financial performance, liquidity,
solvabilitas, profitabilitas, kondisi ekonomi mikro dan makro pada solvency, profitability, current and future micro- and macro-
saat ini maupun masa yang akan datang, serta persaingan usaha economic conditions, as well as business competition in the digital
di industri perbankan digital. banking industry.
Pengungkapan Permodalan dan Manajemen Risiko Capital Disclosure and Risk Management
Uraian terkait penilaian Profil Risiko, Rentabilitas, GCG dan Assessment of Risk Profile, Profitability, GCG and Capital can be
Permodalan adalah sebagai berikut: described in the following manners:
A. Profil Risiko A. Risk Profile
Berdasarkan kondisi dan langkah-langkah yang dilakukan dalam The conditions and steps taken for the sake of risk management
pengelolaan risiko selama tahun 2023, maka penilaian Profil throughout 2023 have resulted in the Company’s Risk Profile
Risiko Perseroan di tahun 2023 yang telah disesuaikan dengan assessments for 2023 being given the following adjustments to
surat OJK No. SR-21/PB.31/2024 tanggal 12 Februari 2024 Financial Services Authority (OJK) Letter No. SR-21/PB.31/2024
Perihal Tindak Lanjut Hasil Pemeriksaan dan Tingkat Kesehatan dated February 12, 2024 Regarding Follow-ups to Audit Results
Bank, adalah sebagai berikut: and Bank Soundness Level:
Periode Juni 2023 Periode Desember 2023
June 2023 Period December 2023 Period
Peringkat Peringkat
Profil Risiko Kualitas Kualitas
Risk Profile Peringkat Risiko Peringkat Peringkat Risiko Peringkat
Manajemen Manajemen
Inheren Tingkat Risiko Inheren Tingkat Risiko
Risiko Risiko
Inherent Risk Risk Level Inherent Risk Risk Level
Risk Risk
Rating Rating Rating Rating
Management Management
Quality Rating Quality Rating
Risiko Kredit
Low to Moderate Satisfactory Low to Moderate Low to Moderate Fair Moderate *
Credit Risk
Risiko Pasar
Low to Moderate Satisfactory Low to Moderate Low to Moderate Satisfactory Low to Moderate
Market Risk
Risiko Likuiditas
Low to Moderate Satisfactory Low to Moderate Low to Moderate Satisfactory Low to Moderate
Liquidity Risk
Risiko Operasional
Low to Moderate Satisfactory Low to Moderate Low to Moderate Fair Moderate *
Operational Risk
Risiko Stratejik
Low to Moderate Satisfactory Low to Moderate Low to Moderate Satisfactory Low to Moderate
Strategic Risk
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Periode Juni 2023 Periode Desember 2023
June 2023 Period December 2023 Period
Peringkat Peringkat
Profil Risiko Kualitas Kualitas
Risk Profile Peringkat Risiko Peringkat Peringkat Risiko Peringkat
Manajemen Manajemen
Inheren Tingkat Risiko Inheren Tingkat Risiko
Risiko Risiko
Inherent Risk Risk Level Inherent Risk Risk Level
Risk Risk
Rating Rating Rating Rating
Management Management
Quality Rating Quality Rating
Risiko Hukum
Legal Risk Low to Moderate Satisfactory Low to Moderate Low to Moderate Satisfactory Low to Moderate
Risiko Kepatiuhan
Low to Moderate Satisfactory Low to Moderate Low to Moderate Satisfactory Low to Moderate
Compliance Risk
Risiko Reputasi
Low Satisfactory Low Low Satisfactory Low to Moderate *
Reputational Risk
Peringkat Komposit
Low to Moderate Moderate **
Composite Rating
*)
: Manual Adjusment dan metode pengukuran telah disesuaikan dengan SE OJK No. 14/SEOJK.03/2017
**)
: Penyesuaian nilai komposit berdasarkan surat OJK No. SR-21/PB.31/2024 tanggal 12 Februari 2024
*)
: Manual adjustment and measurement methods have been adapted to Financial Services Authority Circular Letter (SEOJK) No. 14/SEOJK.03/2017
**)
: These composite value adjustment are based on Financial Services Authority (OJK) Letter No. SR-21/PB.31/2024 dated February 12, 2024
Risiko Kredit Credit Risk
Risiko Kredit adalah risiko yang timbul sebagai akibat kegagalan Credit Risk is any form of risk that arises as a result of the
counterparty memenuhi liabilitasnya. Bank melakukan counterparty’s failure to fulfill its obligations. The Bank manages
pengelolaan risiko kredit dengan menyusun strategi dan credit risk by developing strategies and frameworks, as well as
kerangka kerja serta menjalankan upaya mitigasi risiko atas aspek by carrying out risk mitigation efforts for aspects of its micro,
bisnis perkreditan mikro, retail, komersial, maupun konsumsi, retail, commercial and consumer credit business, its inter-bank
penempatan antar-bank serta pembelian surat berharga. placements and its securities purchases.
1. Tata Kelola Risiko 1. Risk Governance
Dewan Komisaris dan Direksi memiliki pemahaman yang The Board of Commissioners and Board of Directors have
baik untuk melakukan pengawasan secara aktif terhadap good awareness and understanding on how to supervise
manajemen perkreditan. Tugas dan wewenang Direksi credit management. The duties and authorities of the Board
dioptimalkan melalui tanggung jawab atas penyusunan of Directors have been optimized through its responsibility
rencana dan kebijakan perkreditan, memastikan kepatuhan for preparing credit plans and policies, through its efforts for
Bank terhadap ketentuan undang-undang dan peraturan ensuring the Bank’s compliance with applicable laws and
yang berlaku, serta melakukan pelaporan secara berkala regulations, and through it submitting of periodic reports to
kepada Dewan Komisaris mengenai pelaksanaan pemberian the Board of Commissioners regarding the implementation
kredit, memitigasi setiap potensi risiko kredit, pengawasan of loans grants, mitigating any potential credit risk,
terhadap penyimpangan dalam pemberian kredit, dan supervising irregularities in loans, and continuously
upaya terus meningkatkan kualitas kredit Bank. improving the Bank’s loan quality.
Dalam melakukan proses pemberian kredit, Bank mengacu In granting loans, the Bank refers to regulatory rules and the
kepada aturan regulator dan prinsip kehati-hatian dalam prudent principle in assessing the quality of debtors before
menilai kualitas debitur sebelum pemberian kredit dilakukan. extending its loans. The assessment process is carried out
Proses penilaian tersebut dilakukan dengan melihat faktor by considering at the debtor’s business prospects, the
prospek usaha debitur, cashflow debitur, dan kemampuan debtor’s cash flow, and the debtor’s ability to pay.
membayar debitur.
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Pengelolaan kredit pada segmen wholesale dilakukan In the wholesale segment, loan management utilizes
dengan suatu metode dalam memonitor kinerja debitur, approach to monitor debtor performance, enabling prompt
sehingga tindak lanjut (actionplan) dapat segera dilakukan action plans to prevent deterioration in debtor credit quality.
untuk mencegah penurunan kualitas kredit debitur. Bank Additionally, the bank also conducts monitoring processes
juga melakukan proses monitoring yang bertujuan untuk to identify debtors who have the potential to experience
mengidentifikasi debitur yang berpotensi mengalami difficulty paying obligations.
kesulitan membayar kewajiban.
Pengelolaan risiko kredit Bank diarahkan untuk Pengelolaan risiko kredit Bank diarahkan untuk
meningkatkan keseimbangan antara ekspansi kredit yang meningkatkan keseimbangan antara ekspansi kredit yang
sehat dengan pengelolaan kredit yang prudent, sehingga sehat dengan pengelolaan kredit yang prudent, sehingga
potensi penurunan kualitas debitur dapat dimitigasi potensi penurunan kualitas debitur dapat dimitigasi
sedini mungkin. sedini mungkin.
Proses kredit telah dilakukan sesuai dengan Pedoman The loan process has been carried out in accordance with
dan SOP perkreditan yang ada. Terdapat beberapa existing credit guidelines and SOPs. The Bank identifies
penyimpangan, namun hanya bersifat minor. Pedoman some minor deviations in the loan process. Guidelines and
dan SOP berfungsi sebagai petunjuk dalam melakukan SOPs function as guidance in the underwriting process
proses pemberian kredit, mulai dari tahap permohonan of extending loans. In addition, the determination of loan
melalui proposal, proses analisa, persetujuan, dokumentasi, rates is always reviewed every month through the Asset
pengawasan, hingga proses restrukturisasi. Selain itu, and Liabilities Committee (ALCO).
penetapan suku bunga kredit selalu dikaji ulang setiap
bulan melalui Asset and Liabilities Committee (ALCO).
2. Kerangka Manajemen Risiko 2. Risk Management Framework
Kerangka manajemen risiko kredit mencakup kecukupan Credit risk management framework includes the adequacy
kebijakan, prosedur dan penetapan limit. Kebijakan dan of policies, procedures and the determining of limits. The
prosedur pengelolaan risiko kredit yang telah disetujui policies and procedures for managing credit risk that
oleh Direksi, telah dikomunikasikan dengan optimal oleh have been approved by the Board of Directors have been
Divisi yang menangani aktivitas fungsional yang memiliki optimally communicated by the Division that handles
eksposur risiko kredit. functional activities that have credit risk exposure.
Untuk menjaga agar eksposur risiko kredit sesuai dengan To align its loan risk exposure and the risk appetite, the Bank
risk appetite, Bank menetapkan batasan (limit), antara lain sets limits which are adjusted to the size and complexity of
susunan dan kewenangan kredit yang disesuaikan dengan the Bank. In addition, the Bank also has a policy to maintain
ukuran dan kompleksitas Bank. Selain itu, Bank juga memiliki its credit risk in accordance with the Legal Lending Limit
kebijakan untuk menjaga risiko kredit sesuai dengan Batas (LLL), which is in accordance with supervisory regulations.
Maksimum Pemberian Kredit (BMPK) yang sesuai dengan
ketentuan pengawas.
3. Proses Manajemen Risiko 3. Risk Management Process
Proses manajemen risiko kredit bertujuan untuk The credit risk management process is built for identifying,
mengidentifikasi, mengukur, memantau, dan mengendalikan measuring, monitoring and controlling the credit risk. Going
Risiko Kredit. Hal yang menjadi perhatian Bank ke depan forward, the Bank has concerns to evaluate and improve
adalah mengevaluasi dan meningkatkan efektivitas the effectiveness of its work unit implementation that
pelaksanaan unit kerja yang melakukan pemantauan kualitas monitors loan quality from the start. The Bank is currently
kredit sejak dini. Konsentrasi terbesar yang dilakukan Bank concentrating on mitigating the loan risk, including against
saat ini adalah memitigasi risiko kredit termasuk terhadap the potential for a greater increase in its credit risk.
potensi meningkatnya risiko kredit yang lebih besar.
Kecukupan sistem informasi manajemen dinilai memenuhi The adequacy of the Bank’s management information system
ekspektasi, hal ini terlihat dari pelaporan kredit kepada has met minimum expectations. This can be seen reflected
Dewan Komisaris dan Direksi mengenai eksposur risiko in the loan reporting to the Board of Commissioners and
yang berjalan dengan baik, sehingga data yang disajikan Board of Directors regarding risk exposure that has gone
dapat membantu secara optimal dalam pengambilan well. As such, the data presented can optimally assist the
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Company Profile
keputusan. Saat ini Bank sedang mengkaji ulang seluruh decision-making process. Currently, the Bank is reviewing
SIM manajemen Risiko. Kualitas SDM Bank dalam aspek all Risk management information systems. The quality of the
perkreditan memadai, dimana telah ada pembagian Bank’s human resources in the credit aspect is adequate,
antara Lini Pertama dengan Lini Kedua. Awareness risk as can be seen reflected in the division of the First Line and
taking unit terhadap risiko kredit terus ditingkatkan seperti the Second Line. The risk-taking unit continues to improve
kompetensi dan kemampuan dalam menjalankan credit awareness of its credit risk, such as competence and ability
process berdasarkan aspek kehati-hatian. to carry out loan processes based on prudential aspects.
4. Sistem Pengendalian Internal 4. Internal Control System
Bank terus berusaha menyempurnakan Sistem Pengendalian The Bank continues to refine its internal control system in
Internal pada aspek penyaluran kredit. Fungsi operasional terms of credit. The operational function and credit risk
dan fungsi manajemen risiko kredit telah dipisahkan secara management function have been clearly separated. The
jelas. Proses inisiasi (ex ante) telah dilakukan review secara initiation process (ex ante) has been optimally reviewed by
optimal oleh tim reviewer yang menganalisa setiap potensi a reviewer team that analyzes any credit potential that may
kredit yang mungkin timbul, sementara tim Internal Audit arise, while the Audit team (SKAI) has carried out periodic
(SKAI) melaksanakan review secara berkala (ex post) reviews (ex ante) to assess the implementation of credit risk
untuk menilai pelaksanaan manajemen risiko kredit dan management and internal control in functional activities
pengendalian internal pada aktivitas fungsional yang with credit risk exposure.
memiliki eksposur risiko kredit.
Risiko Pasar Market Risk
Risiko pasar merupakan risiko yang timbul dari portofolio yang Market risk is any risk arising from the Bank’s portfolio due to
dimiliki oleh Bank karena adanya pergerakan adverse movement adverse movements in the market, including interest rate risk
di pasar, termasuk risiko suku bunga dan risiko nilai tukar, yang and exchange rate risk, both of which have the potential to
berpotensi merugikan Bank. Dengan mempertimbangkan posisi harm the Bank. Taking into account the Bank’s position as a
Bank sebagai Bank Non-Devisa yang tidak melakukan kegiatan Non-Foreign Exchange Bank that does not carry out trading
trading baik pada portofolio aset maupun kewajiban terhadap activities on either asset or liability portfolios for derivative
produk derivatif dan Fair Value Option, Bank tetap berkomitmen products and Fair Value Options, the Bank remains committed to
untuk selalu melakukan pemantauan terhadap potensi Risiko always monitoring any potential Market Risk and to continuing
Pasar serta terus meningkatkan Kualitas Penerapan Manajemen to improve the Quality of Implementation of Market Risk
Risiko Pasar dengan mengkaji kualitas pemenuhan serta Management by reviewing the quality of its documentation.
kelengkapan dokumen secara berkala.
1. Tata Kelola Risiko 1. Risk Governance
Pengelolaan risiko pasar Bank dilakukan dengan The Bank’s market risk management is carried out by
mempertimbangkan terbatasnya instrumen yang dikelola considering the limited instruments managed by the Bank
Bank serta rendahnya potensi risiko instrumen yang dimiliki. and the low potential risk of the instruments it owns. To
Untuk mengelola pergerakan variabel pasar, Bank telah manage the movement of market variables, the Bank has
melakukan Stress Testing pada instrumen yang terekspos carried out Stress Testing on instruments exposed to the
risiko pasar dalam rangka menghitung potensi dampak market risk in order to measure the potential financial impact
keuangan yang timbul. Selain itu, pengelolaan risiko that may arise. In addition, market risk management is
pasar didukung oleh kerangka limit dan kebijakan untuk supported by a limit framework and policies to control
mengontrol risiko yang dapat diterima oleh Bank. Limit risks that are acceptable to the Bank. Market risk limits are
risiko pasar dialokasikan pada berbagai tingkatan dan allocated at various levels and monitored by the Treasury
dipantau oleh Divisi Treasury secara harian. Bank tidak Division on a daily basis. The Bank is not significantly
terekspos secara signifikan pada risiko nilai tukar. Risiko exposed to exchange rate risk. Most of the interest rate
suku bunga yang dikelola oleh Bank sebagian besar risk managed by the Bank originates from its banking book
berasal dari posisi banking book dan tidak terdapat posisi position and it has no trading book position. As part of
trading book. Sebagai bagian dari pengelolaan risiko pasar, market risk management, the Bank conducts market risk
Bank melakukan identifikasi, pengukuran, pemantauan identification, measurement, monitoring and control, which
dan pengendalian risiko pasar, yang dilakukan oleh unit is carried out by business units.
bisnis terkait.
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Dewan Komisaris dan Direksi memiliki awareness dan The Board of Commissioners and the Board of Directors
pemahaman yang baik tentang manajemen Risiko Pasar have good awareness and understanding of Market Risk
dan sudah diinternalisasikan dengan baik pada seluruh management and have been properly internalized at all
jenjang organisasi untuk memastikan bahwa penerapan levels of the organization to ensure that the implementation
manajemen risiko terhadap nilai tukar dan suku bunga telah of risk management on exchange rates and interest rates is
sesuai dengan tujuan strategis, skala, karakteristik bisnis in accordance with the strategic objectives, scale, business
dan profil risiko nilai tukar dan suku bunga Bank, termasuk characteristics and risk profile the Bank’s exchange rate and
memastikan integrasi penerapan manajemen risiko nilai interest rates. It also includes ensuring the integration of the
tukar dan suku bunga dengan risiko-risiko lainnya yang application of exchange rate and interest rate risk management
dapat berdampak pada posisi risiko Bank. with other risks that may impact the Bank’s risk position.
2. Kerangka Manajemen Risiko 2. Risk Management Framework
Strategi manajemen risiko dilakukan searah dengan tingkat The Bank’s risk management strategy is in line with the risk
risiko yang diambil dan toleransi risiko pasar. Penetapan levels taken and market risk tolerance. The establishment
dan evaluasi kebijakan strategi pengelolaan risiko pasar and evaluation of market risk management strategy policies
yang berkaitan dengan risiko suku bunga dan risiko valuta related to interest rate risk and foreign currency risk are
asing dilakukan secara berkala melalui Asset and Liabilities carried out periodically through the Asset and Liabilities
Committee (ALCO), termasuk strategi dalam penataan Committee (ALCO), including strategy in structuring
portofolio investasi dan strategi penataan struktur neraca the investment portfolio and strategy for structuring the
melalui antisipasi perubahan suku bunga sehingga dapat balance sheet structure by anticipating changes in interest
dicapai tingkat marjin bunga bersih (Net Interest Margin - rates, so that the Bank can achieve an optimal level of Net
NIM) yang optimal. Interest Margin.
Bank memiliki berbagai perangkat organisasi dalam The Bank has various organizational tools to support the
mendukung terlaksananya manajemen risiko pasar secara implementation of effective market risk management,
efektif termasuk kejelasan wewenang dan tanggung jawab. including clarity of authority and responsibility. In this
Dalam hal ini, Direksi telah mendelegasikan wewenang dan case, the Board of Directors has delegated the following
tanggung jawab antara lain: authorities and responsibilities:
a. Divisi Treasury sebagai pengelola portofolio dan a. The Treasury Division manages portfolios and foreign
transaksi jual beli valuta asing dalam rangka pemenuhan exchange buying and selling transactions in order to
kebutuhan nasabah dan untuk memperoleh pendapatan. meet customer needs and to generate income.
b. Asset and Liabilities Committee (ALCO) yang menetapkan b. The Asset and Liabilities Committee (ALCO) sets policies
kebijakan pada strategi risiko nilai tukar dan suku bunga. on exchange rate and interest rate risk strategies.
c. Terdapat kejelasan dalam pelaksanaan komite terkait c. There is clear implementation of the relevant committees
dan telah ada delegasi wewenang yang berjalan baik. and there has been a delegation of authority
operates well.
d. Bank saat ini telah melakukan pemenuhan SDM untuk d. The Bank has currently fulfilled all of its necessary human
fungsi Manajemen Risiko Pasar. resources for its Market Risk Management function.
Kebijakan pengelolaan risiko pasar dan limit risiko pasar The Bank’s market risk management policies and the market
ditetapkan oleh manajemen serta diinformasikan ke risk risk limits are determined by management and informed
taking unit. Kebijakan dan limit ini ditinjau ulang secara to the Bank’s risk-taking unit. These policies and limits are
berkala untuk disesuaikan dengan perkembangan kegiatan reviewed periodically to adapt to developments in Treasury
Treasury pada khususnya dan perkembangan pasar dan activities in particular and market developments and internal
ketentuan internal maupun eksternal pada umumnya. and external regulations in general.
3. Proses Manajemen Risiko 3. Risk Management Process
Proses manajemen risiko pasar dilakukan Bank melalui The market risk management process carried out by the Bank
Asset and Liabilities Committee (ALCO) yang menetapkan is carried out through the Asset and Liabilities Committee
tingkat suku bunga dengan mengoptimalkan kondisi (ALCO) by optimizing market movement conditions.
pergerakan pasar.
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Untuk mengelola risiko karena adanya pergerakan variabel To manage risks due to movements in market variables,
pasar, yaitu suku bunga, nilai tukar dan harga pasar dari specifically, interest rates, exchange rates and market
portofolio yang dimiliki, Bank melakukan evaluasi secara prices of the portfolio owned, the Bank carries out regular
berkala terhadap limit-limit risiko pasar yang terdiri dari evaluations of market risk limits. These evaluations consist
budget loss limit untuk aktivitas trading book serta banking of budget loss limits for trading book and banking book
book. Selain itu terdapat pula limit Repricing Gap digunakan activities. Apart from that, there is also a Repricing Gap
untuk mengelola interest rate risk in banking book yang limit used to manage interest rate risk in banking books.
dilakukan secara berkala. This gap limit is carried out periodically.
Sistem informasi manajemen risiko pasar memenuhi The market risk management information system has so
ekspektasi dimana riskowner menyampaikan laporan posisi far been assessed and it shows that it has met minimum
risiko pasar kepada manajemen secara berkala. Bank juga expectations. The risk owner submits market risk position
memiliki Sumber Daya Manusia (SDM) yang cukup dan reports to management on a regular basis. Adequacy
didukung dengan pemahaman yang baik. Bank akan terus of Human Resources (HR) in managing market risk is
meningkatkan kompetensi demi tercapainya strategi bisnis considered sufficient and supported by a good sense of
treasury sebagai profit center dan menerapkan strategi understanding. However, the Bank will continue to boost
penempatan dana yang dapat meminimalisir kerugian yang its competence to achieve a treasury business strategy as
disebabkan faktor risiko pasar. a profit center and implement a fund placement strategy
that can minimize losses caused by market risk factors.
4. Sistem Pengendalian Internal 4. Internal Control System
Bank melakukan pengendalian pembatasan kerugian The Bank controls losses that arise by setting transaction
yang timbul melalui penetapan limit transaksi yaitu limit limits, specifically, dealer transaction limits and cut loss
transaksi dealer, cut loss limit, sehingga aktivitas treasury limits. This allows the Bank to monitor and evaluate treasury
dapat dipantau dan dievaluasi. Pengawasan perkembangan activities, and supervise the development of treasury
aktivitas limit transaksi treasury untuk memastikan bahwa transaction limit activities to ensure that the treasury
treasury telah mematuhi limit transaksi yang telah ditetapkan, complies with predetermined transaction limits, especially
terutama untuk cut-loss limit menjadi prioritas. for cut-loss limits, which is a priority.
Pelaksanaan kaji ulang independen (independent review) Independent reviews are carried out by the SKAI function,
dilakukan oleh fungsi SKAI dengan metodologi dan frekuensi with a methodology and frequency that has been designed
sesuai aturan, dimana hasil kaji ulang dilaporkan kepada in accordance with applicable regulations. Results of the
Dewan Komisaris dan Direksi. reviews are reported to the Board of Commissioners and
Board of Directors.
Risiko Likuiditas Liquidity Risk
Risiko likuiditas dapat muncul sebagai akibat dari mismatch Liquidity risk can arise as a result of a mismatch between the
antara struktur aset dan liabilitas Bank, dimana Bank berisiko structure of the Bank’s assets and liabilities. The Bank is at risk
untuk tidak mampu memenuhi kewajiban yang jatuh tempo dari of being unable to fulfill its maturing obligations from cash flow
sumber pendanaan arus kas dan/atau dari aset likuid berkualitas funding sources and/or from high-quality liquid assets that
tinggi yang dapat dilikuidasi segera dan/atau diagunkan tanpa can be liquidated immediately and/or collateralized without
mengganggu aktivitas keuangan Bank. Dalam hal ini, Bank disrupting the Bank’s finance activities. In this case, the Bank
menjaga rasio-rasio penilaian risiko likuiditas, nilai outstanding maintains liquidity risk assessment ratios, the outstanding
asset likuid Bank dan rasio-rasio pendukung seperti, Aset Likuid value of the Bank’s liquid assets, and supporting ratios such
Primer dan Aset Likuid Sekunder terhadap Total Aset. Rasio as Primary Liquid Assets and Secondary Liquid Assets to Total
LCR dan NSFR dipertahankan di atas batas minimum regulator Assets. The LCR and NSFR ratios are maintained above the
dan penggunaan dana selalu dilakukan secara optimal dengan regulator’s minimum limit and the use of funds is always carried
tetap memperhatikan ketentuan Otoritas Jasa Keuangan/ out optimally while still paying attention to the provisions of
Bank Indonesia tentang prinsip kehati-hatian serta memiliki the Financial Services Authority/Bank Indonesia regarding the
contingency funding plan yang memadai sebagai mitigasi principle of prudence and having an adequate contingency
potensi risiko likuiditas yang mungkin timbul. funding plan to mitigate potential liquidity risks that may arise.
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1. Tata Kelola Risiko 1. Risk Governance
Dalam mengelola likuiditas, selain primary reserves, Bank In managing liquidity, apart from primary reserves, the
juga menjaga dan mempertahankan secondary reserves Bank also maintains secondary reserves to ensure that
untuk memastikan likuiditas berada pada level yang aman. liquidity is at a safe level. The availability of these reserves
Ketersediaan atas reserves tersebut dipantau secara harian, is monitored on a daily, weekly and monthly basis by the
mingguan, dan bulanan oleh Divisi Treasury. Treasury Division.
Sebagai bentuk pelaksanaan tugas, Dewan Komisaris dan The Board of Commissioners and Board of Directors
Direksi memiliki awareness dan pemahaman yang baik have good awareness and understanding of Liquidity Risk
mengenai manajemen Risiko Likuiditas. Budaya manajemen management. The culture of liquidity risk management has
risiko likuiditas telah dikomunikasikan dengan baik pada been well communicated at all levels of the organization.
seluruh level organisasi. Direksi bertanggung jawab The Board of Directors is responsible for preparing the
terhadap penyusunan rencana Contingency Funding Plan Contingency Funding Plan, which contains steps that
yang berisi langkah yang harus dilakukan oleh Bank dalam must be taken by the Bank in anticipating and dealing
mengantisipasi dan menghadapi kondisi kesulitan likuiditas. with liquidity difficulties. In addition, the Board of Directorsis
Selain itu, Direksi bertugas memantau kondisi internal dan also tasked with monitoring internal conditions and the
perkembangan faktor eksternal yang secara langsung development of external factors that directly or indirectly
maupun tidak langsung mempengaruhi strategi bisnis affect the Bank’s business strategy related to liquidity risk.
Bank terkait risiko likuiditas, begitu pula Dewan komisaris Meanwhile, the Board of Commissioners always provides
selalu memberikan saran kepada Direksi dalam menentukan advice to the Board of Directors in determining the strategic
langkah-langkah strategis yang perlu dijalankan. Penetapan steps that need to be implemented. The determination of
suku bunga DPK selalu dikaji ulang setiap bulan dalam rapat deposit rates is always reviewed every month in the Asset
Asset and Liabilities Committee (ALCO). and Liabilities Committee (ALCO) meeting.
2. Kerangka Manajemen Risiko 2. Risk Management Framework
Sebagai strategi pengelolaan risiko likuiditas, Bank As part of its liquidity risk management, the Bank identifies
mengidentifikasi dan memantau berbagai faktor utama and monitors the main factors that affect the Bank’s ability
yang mempengaruhi kemampuan Bank untuk memperoleh to obtain funding sources, including alternative sources that
sumber pendanaan, termasuk sumber alternatif yang dapat can strengthen the capacity to survive in crisis conditions.
memperkuat kapasitas untuk bertahan pada kondisi krisis. The management function of liquidity needs is carried
Fungsi pengelolaan kebutuhan likuiditas dilakukan oleh out by ALCO and its operations are controlled by the
ALCO dan secara operasional oleh Divisi Treasury. Treasury Division.
Kecukupan secondary reserves, strategi menurunkan dana Adequacy of secondary reserves, strategies to reduce short-
jangka pendek dan berbiaya mahal masih terus dilakukan term and high-cost funds are still being implemented by
dengan mempertimbangkan maturity gap yang terukur taking into account a measurable and balanced maturity
dan seimbang. Pemantauan dan pengendalian terhadap gap. Monitoring and control of liquidity conditions are things
kondisi likuiditas terus menjadi perhatian dari manajemen. that always receive attention from management.
Direksi telah mendelegasikan wewenang dan tanggung The Board of Directors has delegated authority and
jawab kepada Divisi Treasury dalam mengelola likuiditas responsibility to the Treasury Division in managing the
Bank untuk memelihara Giro Wajib Minimum (GWM), Loan Bank’s liquidity to maintain the Minimum Statutory Reserves
to Funding Ratio (LFR), serta memastikan pengelolaan (GWM), Loan to Funding Ratio (LFR), and ensuring that
secondary reserves sejalan dengan tujuan strategis, the management of secondary reserves is in line with
juga peran ALCO dalam menetapkan kebijakan dan strategic goals, as well ALCO’s role in setting liquidity
strategi likuiditas. policies and strategies.
Kebijakan manajemen risiko likuiditas Bank mencakup The Bank’s liquidity risk management policy includes
manajemen likuiditas, pemeliharaan cadangan likuiditas liquidity management, maintenance of optimal liquidity
yang optimal, penetapan strategi pendanaan, proyeksi reserves, establishment of funding strategies, cash flow
arus kas, profil maturitas, penetapan limit likuiditas, dan projections, maturity profiles, determination of liquidity
Rencana Pendanaan Darurat (Contingency Funding Plan). limits, and Contingency Funding Plan. This policy aims
Kebijakan ini bertujuan untuk memastikan kecukupan dana to ensure adequate daily funds to meet obligations under
harian dalam memenuhi kewajiban pada kondisi normal normal conditions and crisis conditions in a timely manner
maupun kondisi krisis secara tepat waktu dari berbagai from various available funding sources.
sumber dana yang tersedia.
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3. Proses Manajemen Risiko 3. Risk Management Process
Dalam upaya mitigasi risiko likuiditas, Bank telah In an effort to mitigate liquidity risk, the Bank has
menerapkan Rencana Pendanaan Darurat (Contigency implemented Contingency Funding Plan in mitigating
Funding Plan) dalam upaya memitigasi risiko. Bank menjaga risks. The Bank maintains liquidity reserves by maintaining
cadangan likuiditas dengan mempertahankan jumlah sufficient amounts of high-quality liquid assets to fulfill its
aset likuid berkualitas tinggi yang cukup untuk memenuhi commitments to customers and other parties, both in the
komitmennya kepada para nasabah dan pihak lainnya, context of extending credit, repaying customer deposits,
baik dalam rangka pemberian kredit, pembayaran kembali meeting liquidity needs and maintaining that the total assets
simpanan nasabah, pemenuhan kebutuhan likuiditas dan due in each period can cover amount of liabilities due.
menjaga agar jumlah aset yang jatuh tempo pada setiap
periode dapat menutupi jumlah liabilitas yang jatuh tempo.
Early Warning System (EWS) sebagai salah satu sistem The Bank’s Early Warning System (EWS) serves as an
informasi atas terjadinya pemburukan situasi yang information system in the emergency situation that could
bisa membahayakan posisi likuiditas terus ditingkatkan endanger the liquidity position. It still needs to be improved,
mengingat EWS merupakan sebuah metodologi analisa given that the EWS is an analytical methodology that can
yang dapat digunakan untuk mendeteksi suatu masalah be used to detect a liquidity problem as well as evaluate
likuiditas, untuk mengevaluasi kebutuhan pendanaan Bank, the Bank’s funding needs and strategies during a crisis.
dan strategi pada saat krisis.
4. Sistem Pengendalian Risiko 4. Risk Control System
Pengendalian risiko likuiditas dilakukan oleh Divisi Treasury Liquidity risk control is carried out by the Treasury Division as
sebagai tindak lanjut hasil pemantauan kinerja dan a follow-up to the results of monitoring the performance and
kepatuhan unit kerja operasional terhadap limit likuiditas compliance of operational work units with the established
yang telah ditetapkan. Secara khusus, Divisi Treasury liquidity limits. In particular, the Treasury Division also pays
memperhatikan indikator peringatan dini (early-warning attention to early-warning indicators in monitoring the
indicators) dalam memantau posisi likuiditas sebagai bagian liquidity position as part of the liquidity management process
dari proses manajemen likuiditas serta untuk mengetahui and to identify potential risk increases in the face of normal
peningkatan potensi risiko dalam menghadapi kondisi and abnormal conditions including funding strategies that
normal maupun kondisi tidak normal, yang meliputi strategi include diversification of sources and timeframes of funding
pendanaan mencakup diversifikasi sumber dan jangka to support the Bank’s business plan.
waktu pendanaan untuk mendukung rencana bisnis Bank.
Tanggapan terhadap temuan dan hasil kaji ulang sudah Responses to the findings and results of the review have
dilakukan dengan optimal, dimana dual control system telah been carried out optimally. The dual control system has
diperbaiki dari sisi mekanisme dan prosedur, serta perbaikan been improved in terms of mechanisms and procedures.
pada fungsi pengawasan. Kaji ulang independen dilakukan Improvements to the supervisory function have also been
termasuk adanya perbaikan dalam aspek metodologi. made. An independent review was carried out including
improvements in methodological aspect
Risiko Operasional Operational Risk
Risiko operasional adalah risiko yang disebabkan adanya Operational risk is any risk caused by inadequacies of and/or
ketidakcukupan dan/atau tidak berfungsinya proses internal the non-functioning of internal processes (policies, systems and
(kebijakan, sistem dan prosedur), kesalahan sistem, kesalahan procedures), system errors, human error, or external problems
manusia, atau adanya problem eksternal yang mempengaruhi that affect the Bank’s operations.
operasional Bank.
1. Tata Kelola Risiko 1. Risk Governance
Dewan Komisaris dan Direksi memiliki awareness dan The Board of Commissioners and Board of Directors
pemahaman yang baik mengenai manajemen Risiko have good awareness and understanding of Operational
Operasional. Budaya manajemen Risiko Operasional telah Risk management. The Operational Risk management
diinternalisasikan dengan baik pada seluruh level organisasi. culture has been properly internalized at all levels of the
Penerapan manajemen risiko operasional dilakukan organization. Operational risk management is implemented
melalui desain struktur organisasi yang menggambarkan through the design of an organizational structure that
keterlibatan seluruh pihak yang terkait manajemen risiko describes the involvement of all parties in the operational
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operasional, yaitu Dewan Komisaris, Direksi, Komite risk management, specifically, the Board of Commissioners,
Manajemen Risiko, Satuan Kerja Manajemen Risiko, Unit the Board of Directors, Risk Management Committee, Risk
Kerja Operasional, Fungsi Manajemen Risiko Operasional, Management Work Unit, Operational Work Unit, Operational
dan Satuan Kerja Audit Internal. Risk Management Function, and Internal Audit.
Bank juga telah memiliki Product Forum pada level The Bank also has a Product Forum at the operational level
operasional untuk mendiskusikan semua insiatif produk to discuss product initiatives and new activities prior to
dan aktivitas baru sebelum dilakukan eskalasi melalui Komite escalation through the Product Committee at the Board of
Produk pada level Direksi. Hal ini dilakukan secara cepat Directors level. This is done quickly based on agile principles
berdasarkan prinsip agile dalam pengembangan produk in developing the Bank’s products, so that any new risks can
Bank, sehingga setiap risiko baru dapat diantisipasi dan be anticipated and mitigated as early as possible.
dilakukan mitigasi risiko sedini mungkin.
Struktur tata kelola manajemen Risiko Operasional Bank The Bank’s Operational Risk management governance
menggambarkan keterkaitan antara fungsi manajemen structure describes the relationship between the Operational
Risiko Operasional pada tingkat perusahaan (Corporate Risk management function at the corporate level, the
Level), tingkat unit kerja operasional, dan keterlibatan dari operational work unit level, and the involvement of Internal
Satuan Kerja Audit Internal sebagai Fungsi Assurance. Audit as an Assurance Function. The formulation of the risk
Perumusan tingkat risiko yang diambil (risk appetite) dan appetite and risk tolerance is in line with the objectives of
toleransi risiko (risk tolerance) dilakukan sejalan dengan the Bank’s business strategy.
sasaran strategi bisnis Bank.
2. Kerangka Manajemen Risiko 2. Risk Management Framework
Bank melakukan manajemen risiko operasional untuk The Bank carries out operational risk management to ensure
memastikan bahwa risiko operasional dapat dikelola dengan that operational risk can be managed properly to meet the
baik dalam upaya memenuhi target usaha Bank dengan Bank’s business targets, while continuously applying the
tetap menerapkan prinsip kehati-hatian pada setiap kegiatan prudent principle in all of the Bank’s business activities.
usaha Bank.
Risk Taking Unit sebagai fungsi yang melakukan proses The Risk Taking Unit as a function that carries out the risk
pengelolaan risiko dari setiap aktivitas di unit operasional, management process for each activity in the operational
dalam melaksanakan tugasnya dilengkapi dengan alat bantu unit is equipped with RCSA tools to provide convenience
RCSA untuk memberikan kemudahan dalam mengelola in managing the risks of each work unit. The parameters
risiko yang dimiliki oleh masing-masing unit kerja. Parameter contained in the new tools are a development of previous
yang terdapat dalam alat bantu yang baru merupakan parameters, which were prepared based on the results of
pengembangan dari parameter sebelumnya yang disusun periodic evaluations.
berdasarkan hasil evaluasi berkala.
Kecukupan Kebijakan dan prosedur operasional sudah Measurements on the Adequacy of Operational Policies,
dilakukan dengan memadai secara menyeluruh. Procedures have been carried out thoroughly, as has
Pembenahan Kebijakan dan Standar Operating Procedure Improvements of Policies and Standard Operating
(SOP) dalam rangka Perbaikan Tata Kelola Perusahaan Procedures in the context of Improving Good
(Good Corporate Governance/GCG). Corporate Governance.
3. Proses Manajemen Risiko 3. Risk Management Process
Implementasi proses identifikasi, pengukuran, pemantauan The process of identifying, measuring, monitoring and
dan pengendalian risiko operasional dilakukan pada kantor controlling operational risk is carried out in all branch offices
pusat, seluruh kantor cabang dan unit kerja yang terkait and work units related to operational fields. The Bank is
dengan bidang operasional. Bank terus menyempurnakan continuously reinforcing its operational risk management
metodologi pengelolaan risiko operasional. Telah dilakukan methodology. Various programs have been carried out to
berbagai program untuk peningkatan kesadaran risiko increase risk awareness as the start of a risk management
sebagai awal dari roll out metodologi pengelolaan risiko. methodology roll out. This process also receives active
Proses ini juga mendapatkan pengawasan aktif Dekom dan supervision from the Board of Commissioners and active
keterlibatan aktif dari Direksi Bank. involvement from the Bank’s Directors.
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Untuk memastikan Bank dapat melayani transaksi perbankan To ensure that the Bank can serve banking transactions 24
yang berlangsung 24 jam sehari tanpa gangguan, Bank telah hours a day without interruption, the Bank has prepared 2
mempersiapkan 2 (dua) Data Center yang dirancang dengan (two) Data Centers designed with a redundant environment
pendekatan environment redundancy dan tersinkronisasi and synchronized with DRC to ensure business continuity
dengan DRC untuk memastikan kelangsungan usaha in the event of a failure at the Main Data Center.
apabila terjadi kegagalan pada Data Center Utama.
4. Sistem Pengendalian Risiko 4. Risk Control System
Sistem pengendalian internal berjalan cukup efektif dalam The internal control system is quite effective in supporting
mendukung pelaksanaan manajemen risiko Operasional. the implementation of Operational risk management. The
Bank terus berupaya melakukan perbaikan proses dan Bank continues to make efforts to improve processes and
pengendalian internal yang lebih efisien sesuai dengan internal controls that are more efficient in accordance with
best practice dan arah bisnis Bank. best practices and the Bank’s business direction.
Pelaksanaan kaji ulang independen (independent The independent review is carried out by the Internal Audit
review) dilakukan oleh Satuan Kerja Audit Internal (SKAI) Work Unit (SKAI) based on methodologies, where the results
berdasarkan metodologi, dimana hasilnya dilaporkan are reported to the Board of Commissioners and Directors.
kepada Dewan Komisaris dan Direksi. Tindak lanjut atas Follow-up on the independent review has been carried out
kaji ulang independen telah dilaksanakan dengan membuat by setting completion targets.
target penyelesaian.
Risiko Stratejik Strategic Risk
Risiko strategis adalah risiko antara lain disebabkan adanya Strategic risk is any risk caused by things like inappropriate
penetapan dan pelaksanaan strategi Bank yang tidak tepat, determination and implementation of the Bank’s strategy,
pengambilan keputusan rencana bisnis yang tidak tetap atau inconsistent business plan decision making, or the Bank’s lack
kurang responsifnya Bank terhadap perubahan eksternal. of responsiveness to external changes.
1. Tata Kelola Risiko 1. Risk Governance
Dewan Komisaris melakukan pengawasan aktif dengan The Board of Commissioners carries out active supervision
memberikan arahan kepada Direksi yang tertuang dari by providing direction to the Directors as stated in the
rekomendasi yang disampaikan pada Rapat Komisaris dan recommendations submitted at the Commissioners and
Direksi sesuai ketentuan yang berlaku. Bank mengelola risiko Directors Meeting in accordance with applicable regulations.
stratejik melalui proses pertimbangan dan pengambilan The Bank manages strategic risk through a process of
keputusan setiap kebijakan strategis secara hati-hati oleh careful consideration and decision making for each strategic
Direksi. Pengelolaan risiko stratejik tersebut erat kaitannya policy by the Board of Directors. Strategic risk management
dengan kemampuan dalam menyusun rencana kerja yang is closely related to the ability to prepare coordinated
terkoordinasi, baik untuk jangka panjang maupun jangka work plans, both for the long and short term, therefore
pendek oleh karenanya penetapan strategi Bank dirumuskan the determination of the Bank’s strategy is formulated by
dengan memperhatikan peraturan Bank Indonesia/ taking into account Bank Indonesia regulations/Financial
Otoritas Jasa keuangan/ketentuan lainnya yang terkait Services Authority/other related provisions and taking into
serta memperhitungkan dampak risiko stratejik terhadap account the impact of strategic risk on the Bank’s capital.
permodalan Bank.
Rencana Bisnis Bank (RBB) disusun sesuai dengan The Bank Business Plan (RBB) is prepared in accordance
kondisi dan kemampuan optimal atas pendayagunaan with optimal conditions and capabilities for utilizing
sumber daya, baik sumber daya finansial, infrastruktur resources, including financial resources, infrastructure and
dan SDM yang dimiliki. Dengan perencanaan strategis human resources. With this strategic planning, the Bank
tersebut, Bank berkeyakinan dapat menjaga pertumbuhan believes it can maintain sustainable growth so that it will
yang berkelanjutan sehingga akan meningkatkan nilai increase company value. To minimize the occurrence of
perusahaan. Untuk meminimalkan terjadinya penyimpangan deviations in the implementation of RBB, monitoring of RBB
pada pelaksanaan RBB, dilakukan pemantauan pencapaian achievements is carried out through the Risk Management
RBB melalui Komite Manajemen Risiko, dan telah dilakukan Committee, and communication has been carried out to
komunikasi kepada setiap jenjang organisasi, baik pada saat every level of the organization, both during plan preparation
penyusunan rencana serta pada saat review pelaksanaan and during implementation reviews which are carried out
yang dilakukan secara rutin tiap semester. regularly every semester.
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Sustainability Report 189
2. Kerangka Manajemen Risiko 2. Risk Management Framework
Bank memiliki Kebijakan Manajemen Risiko Stratejik The Bank has a Strategic Risk Management Policy and
dan proses manajemen Risiko Stratejik berfungsi a Strategic Risk management process that functions to
untuk mengidentifikasi, mengukur, memantau, dan identify, measure, monitor and control Strategic Risk. The
mengendalikan Risiko Stratejik. Bank telah menetapkan Bank has determined the achievement of bank targets in
pencapaian target bank dalam Rencana Bisnis Bank dengan the Bank Business Plan by considering the agreed risk limits
mempertimbangkan risk limit (risk appetite dan risk tolerance) (risk appetite and risk tolerance).
yang telah disepakati.
3. Proses Manajemen Risiko 3. Risk Management Process
Bank telah melaksanakan evaluasi secara berkala atas The Bank has carried out regular evaluations of RBB
realisasi RBB melalui Rapat Koordinasi Dewan Komisaris realization through Coordination Meetings of the Board
dan Direksi, sebagaimana dituangkan dalam Laporan of Commissioners and Directors, as outlined in the Bank’s
Realisasi Rencana Bisnis Bank yang disampaikan ke OJK Business Plan Realization Report which is submitted to the
setiap triwulanan. OJK every quarter.
Secara umum, Bank berupaya meningkatkan kualitas SDM In general, the Bank seeks to improve the quality of human
sesuai dengan nilai perusahaan sehingga sejalan dengan resources in accordance with company values so that it is
strategi SDM yang mengacu pada strategi jangka panjang in line with the HR strategy which refers to the company’s
perusahaan. Bank tetap mengedepankan pelaksanaan GCG long-term strategy. The Bank continues to prioritize the
dalam proses pengelolaan risiko strategis dengan tetap implementation of GCG in the strategic risk management
memantau pencapaian Bank terhadap RBB. SIM berjalan process by continuing to monitor the Bank’s achievement
dengan baik, termasuk laporan risiko stratejik kepada Dewan of RBB. SIM is running well, including strategic risk reports
Komisaris dan Direksi. Perekrutan karyawan dilakukan untuk to the board of commissioners and directors. Employee
menunjang kebutuhan bisnis, pendidikan dan pelatihan, recruitment is carried out to support business needs,
serta evaluasi karyawan secara regular akan ditingkatkan education and training, and regular employee evaluation
untuk memastikan kesesuaian kapabilitas SDM. will be increased to ensure the suitability of HR capabilities.
4. Sistem Pengendalian Internal 4. Internal Control System
Dalam pelaksanaan sistem pengendalian risiko stratejik, In implementing the strategic risk control system, the
telah dilakukan pemantauan pencapaian realisasi process of monitoring actual Bank achievements compared
dibandingkan dengan rencana yang telah ditetapkan dan to predetermined plans has been carried out and ensured
memastikan risiko yang diambil masih dalam batas toleransi. that the risks taken are still within tolerance limits. The
Sistem pengendalian internal tersebut melibatkan seluruh internal control system involves all Bank management
manajemen dan karyawan Bank yang mencakup penetapan and employees. This system includes the establishment of
kebijakan dan prosedur pengendalian, serta evaluasi untuk control policies and procedures, as well as evaluations to
memastikan bahwa kebijakan dan prosedur tersebut sesuai ensure that these policies and procedures are in accordance
arahan Direksi telah dipatuhi dan dilaksanakan secara efektif with the directives of the Board of Directors and have been
dan konsisten. complied with and implemented effectively and consistently.
Pengendalian internal merupakan kegiatan yang tidak Internal control is a process that is inseparable from all
terpisahkan dari setiap fungsi atau kegiatan Bank functions or daily activities of the Bank. This process can
sehari-hari dan dapat membantu Direksi dan Komisaris assist the Board of Directors and Board of Commissioners in
dalam mengelola dan mengendalikan risiko yang dapat managing and controlling risks that may affect performance
mempengaruhi kinerja atau mengakibatkan kerugian Bank. or result in losses to the Bank.
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Profil Perusahaan
Company Profile
Risiko Reputasi Reputational Risk
Risiko reputasi adalah risiko yang antara lain disebabkan oleh Reputation risk is any risk caused by things like negative
adanya publikasi negatif yang terkait dengan kegiatan usaha publications related to the Bank’s business activities or negative
Bank atau persepsi negatif terhadap Bank. perceptions of the Bank.
1. Tata Kelola Risiko 1. Risk Governance
Dewan Komisaris bersama beberapa Komite di bawah The Board of Commissioners together with several
Dewan Komisaris selalu melakukan pemantauannya committees under the Board of Commissioners always
terhadap setiap kejadian yang berpotensi risiko reputasi monitor every incident that has the potential to risk
dan penyelesaianya. Pengelolaan risiko reputasi dilakukan reputation and its resolution. Reputation risk management
dengan mengoptimalkan fungsi Corporate Secretary & PMO. is carried out by optimizing the functions of the Corporate
Selain itu budaya karyawan Bank dalam berkomunikasi dan Secretary & PMO. In addition, the Bank’s employee culture
beraktifitas senantiasa berperilaku sesuai dengan kode etik in communicating and carrying out activities always behaves
perusahaan, serta memenuhi prinsip-prinsip transparansi, in accordance with the company’s code of ethics, as well
peningkatan kualitas pelayanan nasabah dan stakeholder as fulfilling the principles of transparency, improving the
lainnya, pelaksanaan komunikasi yang tepat dalam rangka quality of service to customers and other stakeholders,
menghadapi berita/publikasi yang bersifat negatif atau implementing appropriate communication in order to
pencegahan informasi yang cenderung kontra produktif deal with negative news/publications or preventing
sebagai bagian tindakan mitigasi. information that tends to counterproductive as part of
mitigation measures.
2. Kerangka Manajemen Risiko 2. Risk Management Framework
Strategi manajemen risiko reputasi dilakukan searah dengan The reputation risk management strategy is carried out in line
risk appetite dan risk tolerance. Bank memiliki berbagai with risk appetite and risk tolerance. The Bank has various
Kebijakan dan prosedur manajemen risiko reputasi Bank reputation risk management policies and procedures. The
saat ini mulai menetapkan berbagai kebijakan dan prosedur Bank is currently starting to establish various policies and
yang relevan dengan arah bisnis Bank. procedures that are relevant to the Bank’s business direction.
3. Proses Manajemen Risiko 3. Risk Management Process
Proses manajemen risiko reputasi berjalan baik dalam The reputation risk management process runs well in
mengidentifikasi, mengukur, memantau dan mengendalikan identifying, measuring, monitoring and controlling risks
risiko sesuai dengan Kebijakan dan SOP internal yang in accordance with existing internal policies and SOPs.
ada. Identifikasi risiko reputasi dilakukan pada faktor Identification of reputation risk is carried out on risk
risiko yang melekat pada aktivitas fungsional yang factors inherent in functional activities which include
mencakup keterbukaan informasi yang material, keluhan disclosure of material information, customer complaints
nasabah terhadap pelayanan Bank, sikap karyawan Bank about Bank services, the attitude of Bank employees in
dalam melayani nasabah, dan sistem komunikasi Bank. serving customers, and the Bank’s communication system.
Pengukuran risiko reputasi dilakukan berdasarkan hasil Reputation risk measurement is carried out based on the
assessment terhadap faktor-faktor yang berpengaruh pada results of an assessment of factors that influence the
reputasi Bank. Bank’s reputation.
Bank telah memiliki unit Pengaduan Nasabah untuk The Bank has a Customer Complaints unit to support
mendukung layanan dan penanganan pengaduan services and handle customer complaints in the context of
nasabah dalam rangka pengendalian Risiko Reputasi. controlling Reputation Risk. The Corporate Secretary & PMO
Corporate Secretary & PMO bertanggung jawab atas is responsible for implementing policies related to handling
penerapan kebijakan yang berkaitan dengan penanganan and resolving negative news or avoiding counterproductive
dan penyelesaian pemberitaan negatif atau menghindari information as well as carrying out caring functions in order
informasi kontraproduktif serta menjalankan fungsi to carry out corporate social responsibility (CSR).
kepedulian dalam rangka melaksanakan tanggung jawab
sosial perusahaan (Corporate Social Responsibility/CSR).
Di bidang pengembangan sumber daya manusia, Bank telah In the field of human resource development, the Bank has
melaksanakan program pengembangan SDM di bidang implemented a human resource development program
pendidikan dan pelatihan bagi seluruh pegawai (sesuai in the field of education and training for all employees
job specification). (according to job specifications).
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Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 191
4. Sistem Pengendalian Risiko 4. Risk Control System
Sistem pengendalian internal risiko reputasi dilakukan The reputation risk internal control system is carried out
melalui upaya evaluasi secara periodik atas risiko reputasi through periodic evaluation efforts of the reputation risks
yang dihadapi Bank dan dituangkan dalam suatu laporan faced by the Bank and is outlined in a media monitoring
media monitoring oleh Corporate Secretary & PMO. report by the Corporate Secretary & PMO. Monitoring
Pemantauan tingkat penyelesaian komplain nasabah dan the level of resolution of customer complaints and with
dengan komunikasi yang konsisten melalui berbagai kanal consistent communication through various conventional
konvensional seperti telepon dan email. Pemantauan juga channels such as telephone and email. Monitoring is also
dilakukan melalui berbagai kanal media sosial dimana carried out through various social media channels, where
hal ini menjadi salah satu fokus dari pengendalian risiko this is one of the focuses of compliance risk control to
kepatuhan untuk senantiasa menjaga keterbukaan informasi always maintain information openness and transparency
dan transparansi kepada seluruh stakeholder, serta menjalin to all stakeholders, as well as establishing harmonious
hubungan yang harmonis dengan pihak media dalam hal relationships with the media in terms of protecting the
menjaga nama baik Bank. Bank’s reputation.
Risiko Hukum Legal Risk
Risiko hukum adalah risiko yang disebabkan oleh adanya Legal risk is any risk caused by weaknesses in the Bank’s juridical
kelemahan aspek yuridis, yang antara lain berupa tuntutan aspect, which include, among other things, legal claims, the
hukum, ketiadaan peraturan perundang-undangan yang absence of supporting legislation or weaknesses in agreements,
mendukung atau kelemahan perikatan seperti tidak terpenuhinya such as not fulfilling the legal requirements of a contract and
syarat sah kontrak dan pengikatan agunan yang tidak sempurna. imperfect binding of collateral.
1. Tata Kelola Risiko 1. Risk Governance
Pengelolaan risiko hukum dilaksanakan di bawah koordinasi Legal risk management is carried out under the coordination
unit kerja yang menjalankan Divisi Legal, yang bertindak of the work unit that runs the Legal Division, which acts
sebagai “legal watch” dan bertanggung jawab memberikan as a “legal watch” and is responsible for providing legal
legal advice sesuai dengan kebutuhan dan permintaan advice in accordance with the needs and requests of the
dari unit kerja, yang dinilai akan memiliki legal impact work unit, which is assessed as having a legal impact based
berdasarkan hasil analisa dari unit kerja yang mengajukan. on the results of analysis from the work unit that submitted
Dewan Komisaris dan Direksi memiliki pemahaman dan the application. The Board of Commissioners and Directors
kepedulian yang baik mengenai manajemen risiko hukum. have a good understanding and concern regarding legal
risk management.
2. Kerangka Manajemen Risiko 2. Risk Management Framework
Strategi pengelolaan risiko hukum yang dilakukan Bank The Bank’s legal risk management strategy is aimed at
ditujukan untuk mengantisipasi timbulnya risiko hukum anticipating the emergence of legal risks and minimizing
dan meminimalkan dampaknya. Dalam struktur organisasi, their impact. In the organizational structure, the Bank has
Bank sudah memiliki Divisi Hukum secara khusus untuk a Legal Division specifically to support the implementation
menunjang pelaksanaan proses manajemen risiko hukum of the legal risk management process and the existence
dan adanya Divisi Legal menjadi kunci dalam mengelola of a Legal Division is key in managing and mitigating legal
dan melakukan mitigasi risiko hukum sehingga dapat risks so that it can provide legal protection in carrying out
memberikan perlindungan hukum dalam melaksanakan banking activities while still paying attention to applicable
kegiatan perbankan dengan tetap memperhatikan ketentuan legal provisions.
hukum yang berlaku.
Bank telah memiliki kebijakan dan prosedur yang memadai The Bank has adequate policies and procedures in the legal
dalam proses manajemen risiko hukum, dimana strategi risk management process, where strategies for handling
penanganan masalah hukum ditangani oleh Divisi Legal legal issues are handled by the Legal Division on general
pada masalah yang sifatnya umum dan untuk hal yang issues and for specific matters related to credit assisted by
spesifik terkait perkreditan dibantu oleh unit kerja Admin the Credit Admin, Business and Credit Analyst work units.
Kredit, Bisnis, dan Analis Kredit.
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3. Proses Manajemen Risiko 3. Risk Management Process
Proses manajemen risiko hukum memadai dalam The legal risk management process is adequate in
mengidentifikasi, mengukur, memantau dan mengendalikan identifying, measuring, monitoring and controlling risks
risiko dinilai telah berjalan sesuai SOP yang ada. Untuk and is considered to have run according to existing SOPs.
mengukur kerugian akibat adanya tuntutan hukum To measure losses resulting from lawsuits that have the
yang memiliki potensi kerugian signifikan Bank telah potential for significant losses, the Bank has anticipated
mengantisipasi dengan menjalankan contingency plan this by implementing a contingency plan as an action to
sebagai tindakan untuk mengurangi risiko hukum, antara reduce legal risk, including through the use of the services
lain melalui penggunaan jasa pengacara dan melaporkan of a lawyer and reporting developments to the Board
perkembangannya kepada Direksi. of Directors.
Pengukuran Risiko Hukum dilaksanakan berdasarkan Legal Risk Measurement is carried out based on evaluation
laporan hasil evaluasi atas analisis kasus-kasus hukum reports based on analysis of individual legal cases regarding
secara individual terhadap kewajiban kontinjensi yang contingent liabilities arising from legal claims that occur.
timbul dari tuntutan hukum yang terjadi. Bank juga memiliki The Bank also has a risk management information system
sistem informasi manajemen risiko dan sistem pengendalian and internal control system to support the implementation
internal dalam mendukung pelaksanaan manajemen of legal risk management.
risiko hukum.
4. Sistem Pengendalian Risiko 4. Risk Control System
Bank terus melakukan berbagai peningkatan dan perbaikan The Bank continues to carry out various improvements
pengendalian internal, sebagai berikut: and refinements to its internal control, including the
• Melakukan identifikasi kelemahan-kelemahan yang following methods:
dapat menimbulkan masalah hukum bagi Bank melalui • By identifying weaknesses that could cause legal
review serta melakukan kajian terhadap dokumen- problems for the Bank through reviewing legal
dokumen hukum yang timbul dari kontrak dan perjanjian documents arising from contracts and agreements
yang dibuat ataupun yang terkait dengan produk made or related to products and services.
dan layanan.
• Memastikan kesesuaian dan kepastian yuridis atas • By ensuring legal suitability and certainty regarding the
perikatan antara Bank dengan para pihak dengan engagement between the Bank and the parties. It does
mengacu pada prinsip kehati-hatian dalam rangka this by way of referring to the principle of prudence in
melindungi kepentingan Bank. order to protect the Bank’s interests.
Pelaksanaan kaji ulang independen (independent review) The implementation of an independent review (independent
dilakukan oleh Satuan Kerja Audit Internal (SKAI), untuk menjadi review) is carried out by the Internal Audit Work Unit (SKAI),
perhatian manajemen dalam hal melakukan kajian terhadap to draw management’s attention in terms of conducting a
peraturan perundang-undangan baik yang baru maupun review of both new and existing statutory regulations and
yang sudah berlaku dan peristiwa hukum aktual yang terjadi actual legal events that occur in the field to ensure that the
di lapangan untuk memastikan bahwa ketentuan internal Bank provisions The Bank internally does not deviate from applicable
tidak menyimpang dari ketentuan perundangan yang berlaku. statutory provisions.
Risiko Kepatuhan Compliance Risk
Risiko kepatuhan merupakan risiko yang disebabkan akibat Bank Compliance risk is any risk caused by the Bank not complying
tidak mematuhi ketentuan perundang-undangan yang berlaku. with applicable statutory provisions.
1. Tata Kelola Risiko 1. Risk Governance
Pengelolaan risiko kepatuhan dilaksanakan di bawah The Bank’s compliance risk management is carried out
koordinasi Divisi Kepatuhan. Setiap pimpinan unit kerja di under the coordination of the Compliance Division. Each
Bank bertanggung jawab untuk memastikan bahwa seluruh work unit leader in the Bank is responsible for ensuring
kegiatan di unit kerjanya telah dilaksanakan sesuai dengan that all activities in their work units have been carried out
peraturan dan perundangan serta ketentuan yang berlaku, in accordance with the applicable rules and regulations,
sehingga tidak terjadi pengenaan denda atas keterlambatan, so that there is no imposition of fines for delays, report
koreksi laporan ataupun hal lainnya. corrections or other things.
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Dewan Komisaris dan Direksi berperan aktif dalam The Board of Commissioners and Directors play an active
menumbuhkan dan mewujudkan budaya kepatuhan pada role in cultivating and realizing a culture of compliance at
semua tingkatan organisasi dan kegiatan usaha Bank, all levels of the Bank’s organization and business activities,
dengan didukung oleh Divisi Kepatuhan yang melakukan supported by the Compliance Division which evaluates the
evaluasi terhadap pelaksanaan kepatuhan Bank dan Bank’s compliance implementation and reviews matters
mengkaji hal-hal atau aktivitas Bank yang berpotensi or Bank activities that have the potential to increase
terhadap peningkatan risiko kepatuhan. compliance risk.
Manajemen Bank melakukan penerapan Tata Kelola The Bank’s management implemented Good Corporate
Perusahaan dengan memenuhi prinsip-prinsip GCG, Governance (GCG) by fulfilling GCG principles. If there are
sehingga jika terdapat kelemahan dalam penerapan prinsip weaknesses in the GCG principle implementation, then in
GCG, maka secara umum kelemahan tersebut kurang general these weaknesses are less significant and can be
signifikan dan dapat diselesaikan oleh manajemen Bank. avoided by the Bank’s management.
2. Kerangka Manajemen Risiko 2. Risk Management Framework
Strategi Bank dalam pengelolaan risiko kepatuhan ditujukan The Bank’s strategy in managing compliance risk is
untuk memitigasi dampak dari pelanggaran terhadap aimed at mitigating the impact of violations of applicable
ketentuan dan/atau peraturan perundang-undangan provisions and/or laws and regulations. The Bank has a
yang berlaku. Bank memiliki komitmen yang kuat untuk strong commitment to always comply with applicable laws
senantiasa mematuhi peraturan perundang-undangan and regulations and to take steps to remove any weaknesses
yang berlaku dan mengambil langkah-langkah untuk that may result in its activities.
memperbaiki kelemahan yang terjadi.
Kecukupan perangkat organisasi dalam mendukung Adequate organizational tools to support the implementation
terlaksananya manajemen risiko secara efektif termasuk of effective risk management including clarity of authority
kejelasan wewenang dan tanggung jawab, seluruh lini and responsibility, all lines of the organization are responsible
organisasi bertanggung jawab terhadap pengelolaan for managing compliance risk in all Bank activities to be
risiko kepatuhan pada seluruh aktivitas Bank untuk dapat able to mitigate potential compliance risks that may occur.
melakukan mitigasi potensi risiko kepatuhan yang mungkin The Board of Commissioners is responsible for approving
terjadi. Dewan Komisaris bertanggung jawab untuk risk management policies and providing advice. With the
menyetujui kebijakan manajemen risiko dan memberikan assistance of the Audit Committee and Risk Monitoring
nasihat. Dengan dibantu oleh Komite Audit dan Komite Committee, the Board of Commissioners supervises the
Pemantau Risiko, Dewan Komisaris melakukan pengawasan implementation of compliance risk management.
terhadap pelaksanaan manajemen risiko kepatuhan.
3. Proses Manajemen Risiko 3. Risk Management Process
Proses manajemen risiko kepatuhan dimulai dari proses The compliance risk management process starts from the
identifikasi untuk memastikan bahwa seluruh kebijakan, identification process to ensure that all policies, provisions,
ketentuan, sistem, dan prosedur, serta kegiatan usaha yang systems and procedures, as well as business activities
dilakukan Bank telah sesuai dengan peraturan perundang- carried out by the Bank are in accordance with applicable
undangan yang berlaku. Pengukuran risiko kepatuhan laws and regulations. Compliance risk is measured against
dilakukan terhadap potensi kerugian yang disebabkan potential losses caused by non-compliance and the Bank’s
oleh ketidakpatuhan dan ketidakmampuan Bank dalam inability to comply with applicable external regulations.
memenuhi ketentuan eksternal yang berlaku. Besarnya risiko The magnitude of compliance risk is estimated based on
kepatuhan diestimasi berdasarkan kemampuan Bank untuk the Bank’s ability to comply with all regulations in the past
memenuhi seluruh peraturan pada waktu yang lampau dan and in the future.
yang akan datang.
Peningkatan kualitas SDM terus dilakukan dalam rangka Improving the quality of human resources continues to
meningkatkan pelaksanaan pengelolaan fungsi kepatuhan be carried out in order to improve the implementation
Bank, yaitu dengan cara melakukan pengembangan of the management of the Bank’s compliance function,
kompetensi melalui pengadaan pendidikan dan pelatihan. namely by developing competencies through the provision
of education and training.
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4. Sistem Pengendalian Risiko 4. Risk Control System
Dalam rangka meningkatkan efektivitas pengendalian In order to increase the effectiveness of internal control, the
internal, Bank telah membuat langkah-langkah dalam Bank has taken steps to support the creation of a culture of
rangka mendukung terciptanya budaya kepatuhan pada compliance in all Bank business activities. The Bank takes
seluruh kegiatan usaha Bank. Bank mengambil tindakan timely corrective action against violations, this activity is
korektif yang tepat waktu terhadap pelanggaran, kegiatan carried out to ensure the Bank’s compliance with fulfilling
ini dilakukan untuk memastikan kepatuhan Bank terhadap commitments to Bank Indonesia, OJK and other supervisory
pemenuhan komitmen kepada Bank Indonesia, OJK authorities. This form of commitment can come from audit
maupun otoritas pengawas lainnya. Bentuk komitmen results or letters from Bank Indonesia, OJK and/or other
tersebut dapat berasal dari hasil audit maupun surat Bank supervisory authorities.
Indonesia, OJK dan/atau otoritas pengawas lainnya.
Terdapat beberapa kelemahan dalam sistem pengendalian There are several weaknesses in the Bank’s internal control
intern pada aspek kepatuhan terkait dengan pelanggaran system, specifically in the compliance aspect related to
administratif yang sifatnya minor dan ad hoc, namun masih minor and ad hoc administrative violations. However,
dalam batas toleransi Bank. Kaji ulang independen sudah these are still within the Bank’s tolerance limits. The Bank’s
berjalan baik walaupun masih terdapat berbagai kelemahan independent review is in place although there are still various
dalam aspek metodologi. weaknesses in the methodological aspect.
B. Good Corporate Governance B. Good Corporate Governance
Bank melakukan penilaian sendiri terhadap seluruh kriteria/ The Bank carries out its own assessment of all criteria/indicators
indikator penerapan tata kelola, dengan mempertimbangkan for implementing governance, taking into account factors
faktor yang mencakup baik governance structure, governance including governance structure, governance process and
process, dan governance outcome, dan pemenuhan atas prinsip governance outcomes, and compliance with GCG principles
GCG seperti keanggotaan Dewan Komisaris, Direksi dan Komite. such as membership of the Board of Commissioners, Directors
and Committees.
Bank menyadari bahwa perbaikan dan peningkatan kualitas The Bank realizes that improving and increasing the quality of
pelaksanaan Tata Kelola, merupakan upaya berkesinambungan, its Governance implementation is a continuous effort. As such,
maka dari itu Bank akan melakukan hal-hal sebagai berikut: the Bank will do the following:
a. Melakukan penilaian (self-assessment) terhadap kecukupan a. Carry out a self-assessment on the adequacy of its
pelaksanaan Tata Kelola dan menyusun laporan pelaksanaan governance implementation and prepare implementation
secara berkala sehingga dalam hal masih terdapat reports periodically so that in the event that there are
kekurangan maka dapat segera dilakukan tindakan korektif still deficiencies, the necessary corrective actions can be
yang diperlukan. taken immediately.
b. Memprioritaskan komitmen yang telah dibuat oleh Bank b. Prioritize commitments made by the Bank to regulators
kepada Regulator atas perbaikan Penerapan Tata Kelola to improve Governance Implementation as a follow-up to
sebagai tindak lanjut atas hasil pemeriksaan Otoritas Jasa the results of a Financial Services Authority audit in 2023.
Keuangan di tahun 2023.
c. Bank telah menyediakan sumber daya manusia yang c. The Bank has provided sufficient quality human resources.
berkualitas. Pemenuhan jumlah SDM dan peningkatan It has fulfilled its required number of human resources and
kemampuan dan kualitas SDM pada unit kerja terus increased the capability and quality of human resources
dilakukan guna terpenuhinya tata kelola Bank yang baik. in work units to fulfill good Bank governance mandates.
d. Kebijakan, ketentuan, serta sistem dan prosedur yang dimiliki d. The Bank’s policies, provisions, systems and procedures have
oleh Bank telah diperbaharui sesuai dengan ketentuan yang been updated in accordance with applicable regulations.
berlaku. Bank terus memantau implementasi kebijakan The Bank continues to monitor the implementation of
dan prosedur tersebut agar sesuai dengan ketentuan dan these policies and procedures to ensure they comply with
perundang-undangan yang berlaku. applicable regulations and legislation.
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Sustainability Report 195
C. Rentabilitas C. Profitability
Secara umum Allo Bank telah melakukan upaya mitigasi risiko In general, Allo Bank has made quite optimal risk mitigation
yang cukup optimal sehingga Rentabilitas Bank tahun 2023 efforts. As a result, the Bank’s profitability in 2023 was generally
secara umum membaik dibandingkan tahun 2022, terlihat better compared to 2022, as can be seen from the improvement
dari perbaikan beberapa rasio rentabilitas seperti ROA, ROE in several profitability ratios such as ROA, ROE and NIM.
dan NIM.
D. Permodalan D. Capital
Kewajiban Penyediaan Modal Minimum (KPMM) posisi 31 The Minimum Capital Requirement (KPMM) as of 31 December
Desember 2023 adalah sebesar 83,35%. Berdasarkan capaian 2023 is 83.35%. Based on these achievements, the Bank’s
tersebut, kecukupan modal Bank dinilai masih mampu menyerap capital adequacy is considered to still be able to absorb the
potensi kerugian yang dihadapi dan jauh di atas batas minimal potential losses and is far above the minimum limit required
yang dipersyaratkan regulator. by the regulator.
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Uraian Kualitatif dan
Kuantitatif terkait
Permodalan dan
Eksposur Risiko
Qualitative and Quantitative Descriptions
Related to Capital and Risk Exposure
Deskripsi
No.
Description
Modal yang Tersedia (nilai)
Available Capital (value)
1 Modal Inti Utama (CET1)
Common Equity Tier 1 (CET 1)
2 Modal Inti (Tier 1)
Core Capital (TIER 1)
3 Total Modal
Total Capital
Aset Tertimbang Menurut Risiko (Nilai)
Risk Weighted Assets (Value)
4 Total Aset Tertimbang Menurut Risiko (ATMR)
Total Risk Weighted Assets (RWA)
Rasio Modal berbasis Risiko dalam bentuk persentase dari ATMR
Risk-based Capital Ratio in the form of a percentage of RWA
5 Rasio CET1 (%)
CET1 Ratio (%)
6 Rasio Tier 1 (%)
Tier 1 Ratio (%)
7 Rasio Total Modal (%)
Total Capital Ratio (%)
Tambahan CET1 yang berfungsi sebagai buffer dalam bentuk persentase dari ATMR
Additional CET1 which functions as a buffer in the form of a percentage of RWA
8 Capital conservation buffer (2.5% dari ATMR) (%)
9 Countercyclical Buffer (0 - 2.5% dari ATMR) (%)
10 Capital Surcharge untuk Bank Sistemik (1% - 2.5%) (%)
11 Total CET1 sebagai buffer (Baris 8 + Baris 9 + Baris 10)
Total CET1 as buffer (Line 8 + Line 9 + Line 10)
12 Komponen CET1 untuk buffer
CET1 component for buffer
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31-Dec-23 30-Sep-23 30-Jun-23 31-Mar-23 31-Dec-22
6,811,607 6,742,870 6,690,832 6,424,141 6,330,169
6,811,607 6,742,870 6,690,832 6,424,141 6,330,169
6,899,332 6,823,125 6,774,429 6,497,668 6,404,050
8,277,265 8,068,710 8,278,185 7,900,419 8,051,997
82.29% 83.57% 80.82% 81.31% 78.62%
82.29% 83.57% 80.82% 81.31% 78.62%
83.35% 84.56% 81.83% 82.24% 79.53%
2.500% 2.500% 2.500% 2.500% 2.500%
0.000% 0.000% 0.000% 0.000% 0.000%
0.000% 0.000% 0.000% 0.000% 0.000%
2.500% 2.500% 2.500% 2.500% 2.500%
73.45% 74.66% 71.93% 72.34% 69.63%
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Deskripsi
No.
Description
Rasio pengungkit sesuai Basel III
Leverage ratio according to Basel III
13 Total Eksposur
Total Exposure
14 Nilai Rasio Pengungkit, termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank Indonesia
dalam rangka memenuhi ketentuan GWM (jika ada)
Leverage Ratio value, including the impact of adjustments to temporary exemptions for placement of current accounts with Bank Indonesia in
order to comply with the GWM requirements (if any)
14b Nilai Rasio Pengungkit, tidak termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank
Indonesia dalam rangka memenuhi ketentuan GWM (jika ada)
Leverage Ratio value, excluding the impact of adjustments to temporary exemptions for placement of current accounts with Bank Indonesia
in order to comply with the GWM provisions (if any)
14c Nilai Rasio Pengungkit, termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank Indonesia
dalam rangka memenuhi ketentuan GWM (jika ada), yang telah memasukkan nilai rata-rata dari nilai tercatat aset Securities Financing
Transaction (SFT) secara gross
The value of the Leverage Ratio, including the impact of adjustments to temporary exceptions for placement of current accounts with Bank
Indonesia in order to comply with the GWM requirements (if any), which has included the average value of the gross carrying value of
Securities Financing Transaction (SFT) assets
14d Nilai Rasio Pengungkit, tidak termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank
Indonesia dalam rangka memenuhi ketentuan GWM (jika ada), yang telah memasukkan nilai rata-rata dari nilai tercatat aset SFT secara gross
The value of the Leverage Ratio, excluding the impact of adjustments to temporary exceptions for placement of current accounts with Bank
Indonesia in order to comply with the GWM requirements (if any), which has included the average value of the gross carrying value of SFT
assets
Rasio Kecukupan Likuiditas (LCR)
Liquidity Coverage Ratio (LCR)
15 Total Aset Likuid Berkualitas Tinggi (HQLA)
Total High Quality Liquid Assets (HQLA)
16 Total Arus Kas Keluar Bersih
Net Cash Outflow
17 LCR (%)
Rasio Pendanaan Stabil Bersih (NSFR)
Net Stable Funding Ratio (NSFR)
18 Total Pendanaan Stabil yang Tersedia (ASF)
Total Available Stable Funding (ASF)
19 Total Pendanaan Stabil yang Diperlukan (RSF)
Total Required Stable Funding (RSF)
20 NSFR (%)
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31-Dec-23 30-Sep-23 30-Jun-23 31-Mar-23 31-Dec-22
13,004,496 12,309,472 13,121,314 12,532,802 11,313,118
52.38% 54.78% 50.99% 51.26% 55.95%
52.38% 54.78% 50.99% 51.26% 55.95%
0.00% 0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00% 0.00%
3,498,660 3,278,459 3,308,422 4,061,635 3,070,175
1,501,490 1,953,302 2,282,170 2,899,417 1,956,804
233% 168% 145% 140% 157%
8,945,209 8,771,047 8,357,747 8,337,616 8,371,240
8,006,003 7,837,566 8,077,524 7,730,809 7,685,717
112% 112% 103% 108% 109%
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Template LI1: Perbedaan antara Cakupan Konsolidasi sesuai standar akuntansi dengan ketentuan kehati-hatian
Template LI1: Difference between Consolidated Coverage according to accounting standards and prudential requirements
a b
Nilai tercatat sebagaimana tercantum
Nilai tercatat berdasarkan
dalam publikasi laporan keuangan
prinsip kehati-hatian
Carrying value as reported in the
Carrying values under the prudential
published financial statements
Indonesia
Aset
Assets
Kas dan Penempatan pada Bank Indonesia 437,262 437,262
Cash and Placements with Bank Indonesia
Penempatan pada bank lain 1,416,114 1,416,114
Placements with other banks
Portofolio aset yang diperdagangkan - -
Traded assets portfolio
Aset keuangan yang ditetapkan pada nilai wajar - 0
Financial assets designated at fair value
Instrumen derivatif - 0
Derivative instruments
Pinjaman kepada Bank - 0
Loans to Banks
Pinjaman kepada nasabah 7,385,708 7,385,708
Loans to customers
Reverse repurchase dan yang terkait secured - 0
lending
Reverse repurchase and related secured lending
Instrumen keuangan yang diukur pada nilai wajar 2,533,383 2,533,383
melalui penghasilan komprehensif lainnya
Financial instruments measured at fair value
through other comprehensive income
Surat berharga yang dijual dengan janji dibeli 649,456 649,456
kembali
Securities sold with a promise to repurchase
Tagihan akseptasi - -
Acceptance receivables
Penyertaan - -
Investment
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c d e f g
Nilai tercatat masing-masing risiko
Carrying value of each risk
Tidak mengacu
pada persyaratan
Sesuai kerangka risiko Sesuai kerangka Sesuai kerangka Sesuai kerangka permodalan atau
kredit counterparty credit risk sekuritisasi risiko pasar berdasarkan
In accordance with the In accordance with the In accordance with the In accordance with the pengurangan modal
credit risk framework counterparty credit risk securitization market risk Does not refer to capital
requirements or based
on capital reduction
437,262 -
1,416,114 -
- -
- - -
- - -
- -
7,385,708 -
- -
2,533,383 -
649,456 -
- -
- -
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a b
Nilai tercatat sebagaimana tercantum
Nilai tercatat berdasarkan
dalam publikasi laporan keuangan
prinsip kehati-hatian
Carrying value as reported in the
Carrying values under the prudential
published financial statements
Cadangan kerugian penurunan nilai (62,414) (62,414)
Allowance for impairment losses
Aset tetap dan inventaris 262,504 262,504
Fixed assets and Inventory
Aset lain-lain 128,422 128,422
Other assets
Total aset 12,750,435 12,750,435
Total Assets
Kewajiban
Liabilities
Pinjaman yang diterima dari Bank 45,000 45,000.00
Loans received from Bank
Kewajiban dari Bank lainnya - 0
Liabilities from other Banks
Rekening Nasabah 4,898,665 4,898,665
Customer Account
Repurchase agreements dan yang terkait 611,288 611,288
Repurchase agreements and related secured
borrowing
Instrumen derivatif - 0
Derivative instruments
Utang akseptasi - 0
Acceptance payable
Obligasi subordinasi - 0
Subordinate bonds
Setoran jaminan - 0
Security deposit
Liabilitas pajak tangguhan - bersih 25,603 25,603
Deferred tax liabilities - net
Liabilitas lain-lain 278,795 278,795
Other liabilities
Total liabilitas 5,859,351 5,859,351
Total liabilities
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c d e f g
Nilai tercatat masing-masing risiko
Carrying value of each risk
Tidak mengacu
pada persyaratan
Sesuai kerangka risiko Sesuai kerangka Sesuai kerangka Sesuai kerangka permodalan atau
kredit counterparty credit risk sekuritisasi risiko pasar berdasarkan
In accordance with the In accordance with the In accordance with the In accordance with the pengurangan modal
credit risk framework counterparty credit risk securitization market risk Does not refer to capital
requirements or based
on capital reduction
- 62,414 -
262,504 -
128,422 -
12,750,435 - - - -
- - - - -
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Analisis Kualitatif
Qualitative Analysis
Nilai tercatat sebagaimana tercantum dalam publikasi laporan keuangan mayoritas terdiri dari nilai tercatat yang sesuai dengan kerangka risiko kredit.
Nilai tercatat masing-masing risiko sesuai dengan SEOJK / POJK yang berlaku
The majority of carrying values as stated in published financial statements consist of carrying values in accordance with the credit risk framework. The
recorded value of each risk is in accordance with the applicable SEOJK / POJK
Template LI2: Sumber perbedaan utama antara eksposur sesuai ketentuan kehati-hatian dengan carrying values sesuai standar akuntansi keuangan
Template LI2: Source of the main difference between exposure according to prudential regulations and carrying values according to financial accounting standards
a b c d e
Item sesuai:
Suitable items:
Kerangka
Total Kerangka Kerangka Counterparty Kerangka
risiko kredit Sekuritas credit risk risiko pasar
Credit risk Securitization Counterparty Market risk
framework framework credit risk framework
framework
Indonesia
Nilai tercatat aset sesuai dengan cakupan 12,750,435 12,750,435 - - -
konsolidasi ketentuan kehati-hatian (sebagaimana
dilaporkan pada template LI1)
The carrying value of the asset is in accordance
with the consolidated scope of prudential
provisions (as reported in template LI1)
Nilai tercatat liabilitas sesuai lingkup sesuai 5,859,351 - -
dengan cakupan konsolidasi ketentuan
kehati-hatian (sebagaimana dilaporkan pada
template LI1)
Liabilities carrying value in accordance to
consolidated coverage by the prudential
principles (as reported to template LI1)
Total nilai bersih sesuai dengan cakupan 6,891,084 12,750,435 - - -
konsolidasi ketentuan kehati-hatian
Total net value in accordance to consolidated
coverage by the prudential principles
Nilai rekening administratif - - -
Administrative account value
Perbedaan valuasi - - - - -
Valuation differences
Perbedaan antara setting rules, selain dari yang 0 0 - - -
termasuk pada baris 2.
Differences between setting rules, other than
those included in line 2.
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a b c d e
Item sesuai:
Suitable items:
Kerangka
Total Kerangka Kerangka Counterparty Kerangka
risiko kredit Sekuritas credit risk risiko pasar
Credit risk Securitization Counterparty Market risk
framework framework credit risk framework
framework
Perbedaan provisi - 0 - - -
Provision differences
Perbedaan prudential filters - - - - -
Prudential filters differences
Nilai eksposur yang dipertimbangkan, sesuai 6,891,084 12,750,435 - - -
dengan cakupan konsolidasi ketentuan kehati-
hatian
The exposure value considered according
to the prudential stipulation consolidated
coverage
Analisis Kualitatif
Qualitative Analysis
Nilai tercatat sebagaimana tercantum dalam publikasi laporan keuangan mayoritas terdiri dari nilai tercatat yang sesuai dengan kerangka risiko kredit.
Nilai tercatat masing-masing risiko sesuai dengan SEOJK
POJK yang berlaku/The majority of the carrying amounts reported in the published financial statements consist of carrying amounts according
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Table LIA: Penjelasan mengenai perbedaan antara nilai eksposur sesuai standar akuntansi keuangan dengan ketentuan kehati-hatian
Table LIA: Explanation of the differences between exposure values according to financial accounting standards and prudential requirements
Indonesia
Bank harus menjelaskan asal perbedaan antara nilai tercatat sesuai standar akuntansi keuangan, sebagaimana dilaporkan pada laporan keuangan
dan nilai eksposur sesuai ketentuan kehati-hatian, sebagaimana terdapat pada template LI1 dan LI2.
Banks must explain the origin of the difference between the carrying value according to financial accounting standards, as reported in the financial
statements and the exposure value according to prudential provisions, as contained in templates LI1 and LI2.
(a) Bank harus menjelaskan sumber perbedaan signifikan antara nilai pada kolom (a) dan (b) di LI1.
(a) The bank must explain the source of significant differences between the values in columns (a) and (b) in LI1.
(b) B
ank harus menjelaskan sumber perbedaan antara nilai tercatat dan nilai yang digunakan untuk tujuan pengaturan yang tercantum pada LI2.
(b) T
he bank must explain the source of the difference between the recorded value and the value used for regulatory purposes as stated in LI2.
(c) Sesuai dengan implementasi dari panduan pada valuasi prudensial, bank harus menjelaskan sistem dan kontrol untuk memastikan estimasi valuasi
prudensial dan dapat diandalkan. Pengungkapan harus memasukkan:
(c) In accordance with the implementation of the guidelines on prudential valuation, banks should describe systems and controls to ensure prudential
and reliable valuation estimates. Disclosures must include:
(i) Metodologi valuasi, termasuk penjelasan sejauh mana penggunaan metodologi mark-to-market dan mark-to-model.
(i) Valuation methodology, including an explanation of the extent of use of mark-to-market and mark-to-model methodologies.
(ii) Deskripsi proses verifikasi harga independen.
(ii) Description of the independent price verification process.
(iii) Prosedur untuk penyesuaian valuasi atau cadangan (termasuk deskripsi proses dan metodologi untuk menilai posisi trading dengan tipe
instrumen).
(iii) Procedures for valuation adjustments or reserves (including a description of the process and methodology for valuing trading positions by
instrument type).
Tabel 4: Penjelasan mengenai perbedaan antara nilai eksposur sesuai standar akuntansi keuangan dengan ketentuan kehati-hatian
Table 4: Explanation of the differences between exposure values according to financial accounting standards and prudential regulations
Nilai tercatat sebagaimana tercantum dalam publikasi laporan The carrying value as stated in the published financial report
keuangan telah memperhitungkan prinsip standar kehati-hatian has taken into account the principles of prudential standards so
sehingga tidak terdapat perbedaan pada kedua nilai tersebut. Nilai that there is no difference in the two values. The carrying value
tercatat sesuai masing-masing risiko merupakan nilai yang sesuai corresponding to each risk is the value in accordance with the
dengan POJK Perhitungan Kerangka Risiko Kredit, Perhitungan POJK Credit Risk Framework Calculation, Asset Securitization
Kerangka Aset Sekuritisasi, Kerangka Counterparty Credit Risk, Framework Calculation, Counterparty Credit Risk Framework, and
dan Kerangka Risiko Pasar. Market Risk Framework.
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Template CC1: Komposisi Permodalan
CC1 Template: Capital Composition
Analisa Kuantitatif: Bank diharapkan menambahkan dengan penjelasan mengenai perubahan signifikan dan penyebab utama perubahannya.
Quantitative Analysis: Banks are expected to provide an explanation of significant changes and the main causes of the changes.
No. Ref.
yang berasal
Jumlah
dari Neraca
(Dalam
Konsolidasi 1)
Jutaan Rupiah)
Komponen Component No. Ref.
Total
originating
(In Millions
from the
of Rupiah)
Consolidated
Balance Sheet 1)
CET 1: Instrumen dan Tambahan Modal Disetor
1 Saham biasa (termasuk stock surplus) Directly issued qualifying common share (and 6,041,759 1
equivalent for non-joint stock companies)
capital plus related stock surplus
2 Laba ditahan Retained earnings 768,914 2
3 Akumulasi penghasilan komprehensif lain (dan Accumulated other comprehensive income 78,169 3
cadangan lain) (and other reserves)
4 Modal yang termasuk phase out dari CET1 Directly issued capital subject to phase out N/A N/A
from CET1 (only applicable to non-joint stock
companies)
5 Kepentingan Non Pengendali yang dapat Common share capital issued by subsidiaries - 4
diperhitungkan and held by third parties (amount allowed in
group CET1)
6 CET1 sebelum regulatory adjustment 6,888,842
CET 1: Faktor Pengurang (Regulatory Adjustment)
7 Selisih kurang jumlah penyesuaian nilai wajar Prudential valuation adjustments -
dari instrumen keuangan dalam trading book
8 Goodwill Goodwill (net of related tax liability) - 5
9 Aset tidak berwujud lainnya (selain Mortgage- Other intangibles other than mortgage- (49,942)
Servicing Rights) servicing rights (net of related tax liability)
10 Aset pajak tangguhan yang berasal dari future Deferred tax assets that rely on future N/A
profitability profitability excluding those arising from
temporary differences (net of related tax
liability)
11 Cash-flow hedge reserve Cash-flow hedge reserve N/A
12 Shortfall on provisions to expected losses Shortfall of provisions to expected losses N/A
13 Keuntungan penjualan aset dalam transaksi Securitisation gain on sale (as set out in N/A
sekuritisasi paragraph 562 of Basel II framework)
14 Peningkatan/ penurunan nilai wajar atas Gains and losses due to changes in own credit N/A
kewajiban keuangan (DVA) risk on fair valued liabilities
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No. Ref.
yang berasal
Jumlah
dari Neraca
(Dalam
Konsolidasi 1)
Jutaan Rupiah)
Komponen Component No. Ref.
Total
originating
(In Millions
from the
of Rupiah)
Consolidated
Balance Sheet 1)
15 Aset pensiun manfaat pasti Defined-benefit pension fund net assets N/A
16 Investasi pada saham sendiri (jika belum di net Investments in own shares (if not already netted N/A
dalam modal di Laporan Posisi Keuangan) off paid-in capital on reported balance sheet)
17 Kepemilikan silang pada instrumen CET 1 pada Reciprocal cross-holdings in common equity N/A
entitas lain
18 Investasi pada modal bank, entitas keuangan Investments in the capital of Banking, financial N/A
dan asuransi di luar cakupan konsolidasi secara and insurance entities that are outside the
ketentuan, net posisi short yang diperkenankan, scope of regulatory consolidation, net of
dimana Bank tidak memiliki lebih dari 10% eligible short positions, where the Bank does
modal saham yang diterbitkan (jumlah di atas not own more than 10% of the issued share
batasan 10%) capital (amount above 10% threshold)
19 Investasi signifikan pada saham biasa Bank, Significant investments in the common stock N/A
entitas keuangan dan asuransi di luar cakupan of Banking, financial and insurance entities
konsolidasi secara ketentuan, net posisi short that are outside the scope of regulatory
yang diperkenankan (jumlah di atas batasan consolidation, net of eligible short positions
10%) (amount above 10% threshold)
20 Mortgage servicing rights Mortgage servicing rights (amount above 10% N/A
threshold)
21 Aset pajak tangguhan yang berasal dari Deferred tax assets arising from temporary N/A
perbedaan temporer (jumlah di atas batasan differences (amount above 10% threshold, net
10%, net dari kewajiban pajak) of related tax liability)
22 Jumlah melebihi batasan 15% dari: Amount exceeding the 15% threshold N/A
23 investasi signifikan pada saham biasa financials of which: significant investments in the N/A
common stock of financials
24 mortgage servicing rights of which: mortgage servicing rights N/A
25 pajak tangguhan dari perbedaan temporer of which: deferred tax assets arising from N/A
temporary differences
26 Penyesuaian berdasarkan ketentuan spesifik National specific regulatory adjustments N/A
nasional
26a. Selisih PPKA dan CKPN Difference between PPKA and CKPN (27,293)
26b. PPKA non produktif Non-productive PPKA -
26c. Aset Pajak Tangguhan Deferred tax assets - 7
26d. Penyertaan Inclusion -
26e. Kekurangan modal pada perusahaan anak Lack of capital in insurance subsidiary N/A
asuransi companies
26f. Eksposur sekuritisasi Securitization exposure N/A
26g. Lainnya Others N/A
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No. Ref.
yang berasal
Jumlah
dari Neraca
(Dalam
Konsolidasi 1)
Jutaan Rupiah)
Komponen Component No. Ref.
Total
originating
(In Millions
from the
of Rupiah)
Consolidated
Balance Sheet 1)
27 Penyesuaian pada CET 1 akibat AT 1 dan Tier 2 Regulatory adjustments applied to Common -
lebih kecil daripada faktor pengurangnya Equity Tier 1 due to insufficient Additional Tier 1
and Tier 2 to cover deductions
28 Jumlah pengurang (regulatory adjustment) Total regulatory adjustments to Common equity (77,235)
terhadap CET 1 Tier 1
29 Jumlah CET 1 setelah faktor pengurang Common Equity Tier 1 capital (CET1) 6,811,607
Modal Inti Tambahan (AT 1): Instrumen Additional Tier 1 capital: instruments
30 Instrumen AT 1 yang diterbitkan oleh Bank Directly issued qualifying Additional Tier 1 -
(termasuk stock surplus) instruments plus related stock surplus
31 Yang diklasifikasikan sebagai ekuitas of which: classified as equity under applicable N/A
berdasarkan standar akuntansi accounting standards
32 Yang diklasifikasikan sebagai liabilitas of which: classified as liabilities under N/A
berdasarkan standar akuntansi applicable accounting standards
33 Modal yang yang termasuk phase out dari AT 1 Directly issued capital instruments subject to N/A
phase out from Additional Tier 1
34 Instrumen AT 1 yang diterbitkan oleh Entitas Additional Tier 1 instruments (and CET1 N/A
Anak yang diakui dalam perhitungan KPMM instruments not included in row 5) issued by
secara konsolidasi subsidiaries and held by third parties (amount
allowed in group AT1)
35 Instrumen yang diterbitkan Entitas Anak yang of which: instruments issued by subsidiaries N/A
termasuk phase out subject to phase out
36 Jumlah AT 1 sebelum regulatory adjustment Additional Tier 1 capital before regulatory -
adjustments
Modal Inti Tambahan: Faktor Pengurang Additional Tier 1 capital: regulatory adjustments
(Regulatory Adjustment)
37 Investasi pada instrumen AT 1 sendiri Investments in own Additional Tier 1 N/A
instruments
38 Kepemilikan silang pada instrumen AT 1 pada Reciprocal cross-holdings in Additional Tier 1 N/A
entitas lain instruments
39 Investasi pada modal bank, entitas keuangan Investments in the capital of Banking, financial N/A
dan asuransi diluar cakupan konsolidasi secara and insurance entities that are outside the
ketentuan, net posisi short yang diperkenankan, scope of regulatory consolidation, net of
dimana Bank tidak memiliki lebih dari 10% eligible short positions, where the Bank does
modal saham yang diterbitkan (jumlah di atas not own more than 10% of the issued common
batasan 10%) share capital of the entity (amount above 10%
threshold)
2023 Annual Report & Sustainability Report
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2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
No. Ref.
yang berasal
Jumlah
dari Neraca
(Dalam
Konsolidasi 1)
Jutaan Rupiah)
Komponen Component No. Ref.
Total
originating
(In Millions
from the
of Rupiah)
Consolidated
Balance Sheet 1)
40 Investasi signifikan pada modal Bank, entitas Significant investments in the capital of N/A
keuangan dan asuransi di luar cakupan Banking, financial and insurance entities
konsolidasi secara ketentuan (net posisi short that are outside the scope of regulatory
yang diperkenankan) consolidation (net of eligible short positions)
41 Penyesuaian berdasarkan ketentuan spesifik National specific regulatory adjustments N/A
nasional
41a. Penempatan dana pada instrumen AT 1 pada Regulatory adjustments applied to Additional N/A
Bank lain Tier 1 due to insufficient Tier 2 to cover
deductions
42 Penyesuaian pada AT 1 akibat Tier 2 lebih kecil Total regulatory adjustments to Additional Tier N/A
daripada faktor pengurangnya 1 capital
43 Jumlah faktor pengurang (regulatory Additional Tier 1 capital (AT1) -
adjustment) terhadap AT 1
44 Jumlah AT 1 setelah faktor pengurang Tier 1 capital (T1 = CET 1 + AT 1) -
45 Jumlah Modal Inti (Tier 1) (CET 1 + AT 1) Tier 1 capital (T1 = CET 1 + AT 1) 6,811,607
Modal Pelengkap (Tier 2): Instrumen dan Tier 2 capital: instruments and provisions
cadangan
46 Instrumen Tier 2 yang diterbitkan oleh Bank Directly issued qualifying Tier 2 instruments -
(termasuk stock surplus) plus related stock surplus
47 Modal yang termasuk phase out dari Tier 2 Directly issued capital instruments subject to N/A
phase out from Tier 2
48 Instrumen Tier 2 yang diterbitkan oleh Entitas Tier 2 instruments (and CET1 and AT1 N/A
Anak yang diakui dalam perhitungan KPMM instruments not included in rows 5 or 34)
secara konsolidasi issued by subsidiaries and held by third parties
(amount allowed in group Tier 2)
49 Modal yang diterbitkan Entitas Anak yang of which: instruments issued by subsidiaries N/A
termasuk phase out subject to phase out
50 Cadangan umum PPKA atas aset produktif PPKA’s general reserves for productive assets 87,725
yang wajib dihitung dengan jumlah paling must be calculated in the maximum amount
tinggi sebesar 1,25% dari ATMR untuk Risiko high at 1.25% of RWA for Credit Risk
Kredit
51 Jumlah Modal Pelengkap (Tier 2) sebelum Tier 2 capital before regulatory adjustments 87,725
faktor pengurang
Laporan Tahunan & Laporan Keberlanjutan 2023
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Analisis dan Pembahasan Manajemen
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Tata Kelola Perusahaan yang Baik
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Laporan Keberlanjutan
Sustainability Report 211
No. Ref.
yang berasal
Jumlah
dari Neraca
(Dalam
Konsolidasi 1)
Jutaan Rupiah)
Komponen Component No. Ref.
Total
originating
(In Millions
from the
of Rupiah)
Consolidated
Balance Sheet 1)
Modal Pelengkap (Tier 2): Faktor Pengurang Tier 2 capital: regulatory adjustments
(Regulatory Adjustment)
52 Investasi pada instrumen Tier 2 sendiri Investments in own Tier 2 instruments N/A
53 Kepemilikan silang pada instrumen Tier 2 pada Reciprocal cross-holdings in Tier 2 instruments N/A
entitas lain and other TLAC liabilities
54 Investasi pada kewajiban TLAC modal bank, Investments in the other TLAC liabilities of N/A
entitas keuangan dan asuransi diluar cakupan banking, financial and insurance entities
konsolidasi secara ketentuan, net posisi short that are outside the scope of regulatory
yang diperkenankan, dimana Bank tidak consolidation and where the bank does not
memiliki lebih dari 10% modal saham yang own more than 10% of the issued common
diterbitkan; nilai sebelumnya ditetapkan share capital of the entity: amount previously
dengan threshold 5% namun tidak lagi designated for the 5% threshold but that no
memenuhi kriteria (untuk bank Sistemik) longer meets the conditions (for G-SIBs only)
55 Investasi signifikan pada modal atau instrumen Significant investments in the capital and N/A
TLAC Bank, entitas keuangan dan asuransi di other TLAC liabilities of banking, financial and
luar cakupan konsolidasi secara ketentuan (net insurance entities that are outside the scope
posisi short yang diperkenankan) of regulatory consolidation (net of eligible
short positions)
56 Penyesuaian berdasarkan ketentuan spesifik National specific regulatory adjustments
nasional
56a. Sinking fund Sinking fund N/A
56b. Penempatan dana pada instrumen Tier 2 pada Placement of funds in Tier 2 instruments at N/A
Bank lain other banks
57 Jumlah faktor pengurang (regulatory Total regulatory adjustments to Tier 2 capital -
adjustment) Modal Pelengkap
58 Jumlah Modal Pelengkap (Tier 2) setelah Tier 2 capital (T2) 87,725
regulatory adjustment
59 Total Modal (Modal Inti + Modal Pelengkap) Total capital 6,899,332
60 Total Aset Tertimbang Menurut Risiko (ATMR) Total risk weighted assets 8,277,265
Rasio Kecukupan Pemenuhan Modal Minimum Capital ratios and buffers
(KPMM) dan Tambahan Modal (Capital Buffer)
61 Rasio CET 1 (persentase terhadap ATMR) Common Equity Tier 1 (as a percentage of risk 82.29%
weighted assets)
62 Rasio Modal Inti Tier 1 (persentase Tier 1 (as a percentage of risk weighted assets) 82.29%
terhadap ATMR)
63 Rasio Total Modal (persentase terhadap ATMR) Total capital (as a percentage of risk weighted 83.35%
assets)
2023 Annual Report & Sustainability Report
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Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
No. Ref.
yang berasal
Jumlah
dari Neraca
(Dalam
Konsolidasi 1)
Jutaan Rupiah)
Komponen Component No. Ref.
Total
originating
(In Millions
from the
of Rupiah)
Consolidated
Balance Sheet 1)
64 Buffer (persentase terhadap ATMR) Institution specific buffer requirement (minimum 73.45%
CET1 requirement plus capital conservation
buffer plus countercyclical buffer requirements
plus G-SIB buffer requirement, expressed as a
percentage of risk weighted assets)
65 Capital Conservation Buffer of which: capital conservation buffer 2.50%
requirement
66 Countercyclical Buffer of which: Bank specific countercyclical buffer 0.00%
requirement
67 higher loss absorbency requirement Of which: higher loss absorbency requirement 0.00%
68 Untuk bank umum konvensional: CET 1 yang For conventional commercial banks: CET 1 73.45%
tersedia untuk memenuhi Buffer (persentase is available to fulfill the Buffer (percentage
terhadap ATMR) of RWA)
Untuk kantor cabang dari Bank yang For branch offices of Banks domiciled overseas:
berkedudukan di luar negeri: Bagian Dana Portion of Business Funds placed in CEMA
Usaha yang ditempatkan dalam CEMA (expressed as a percentage of RWA) available to
(diungkapkan sebagai persentase dari ATMR) fulfill the Buffer.”
yang tersedia untuk memenuhi Buffer.
National minima (jika berbeda dari Basel 3) National minima (if different from Basel 3)
69 Rasio terendah CET 1 nasional (jika berbeda National Common Equity Tier 1 minimum ratio N/A
dengan Basel 3)
70 Rasio terendah Tier 1 nasional (jika berbeda National Tier 1 minimum ratio N/A
dengan Basel 3)
71 Rasio terendah total modal nasional (jika National total capital minimum ratio N/A
berbeda dengan Basel 3)
Jumlah di bawah batasan pengurangan Amounts below the thresholds for deduction
(sebelum pembobotan risiko) (before risk weighting)
72 Investasi non-signifikan pada modal atau Non-significant investments in the capital and N/A
kewajiban TLAC lainnya pada entitas keuangan other TLAC liabilities of other financial entities
lain
73 Investasi signifikan pada saham biasa entitas Significant investments in the common stock of N/A
keuangan financial entities
74 Mortgage servicing rights (net dari kewajiban Mortgage servicing rights (net of related tax N/A
pajak) liability)
75 Aset pajak tangguhan yang berasal dari Deferred tax assets arising from temporary N/A
perbedaan temporer (net dari kewajiban pajak) differences (net of related tax liability)
Laporan Tahunan & Laporan Keberlanjutan 2023
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 213
No. Ref.
yang berasal
Jumlah
dari Neraca
(Dalam
Konsolidasi 1)
Jutaan Rupiah)
Komponen Component No. Ref.
Total
originating
(In Millions
from the
of Rupiah)
Consolidated
Balance Sheet 1)
Cap yang dikenakan untuk provisi pada Tier 2 Applicable caps on the inclusion of provisions
in Tier 2
76 Provisi yang dapat diakui sebagai Tier 2 sesuai Provisions eligible for inclusion in Tier 2 in N/A
dengan eksposur berdasarkan pendekatan respect of exposures subject to standardised
standar (sebelum dikenakan cap) approach (prior to application of cap)
77 Cap atas provisi yang diakui sebagai Tier 2 Cap on inclusion of provisions in Tier 2 under N/A
berdasarkan pendekatan standar standardised approach
78 Provisi yang dapat diakui sebagai Tier 2 sesuai Provisions eligible for inclusion in Tier 2 in N/A
dengan eksposur berdasarkan pendekatan IRB respect of exposures subject to internal ratings-
(sebelum dikenakan cap) based approach (prior to application of cap)
79 Cap atas provisi yang diakui sebagai Tier 2 Cap for inclusion of provisions in Tier 2 under N/A
berdasarkan pendekatan IRB internal ratings-based approach
Instrumen Modal yang termasuk phase out Capital instruments subject to phase-out
(hanya berlaku antara 1 Jan 2018 s.d. 1 Jan arrangements (only applicable between 1 Jan
2022) 2018 and 1 Jan 2022)
80 Cap pada CET 1 yang termasuk phase out Current cap on CET1 instruments subject to N/A
phase out arrangements
81 Jumlah yang dikecualikan dari CET 1 karena Amount excluded from CET1 due to cap (excess N/A
adanya cap (kelebihan di atas cap setelah over cap after redemptions and maturities)
redemptions dan maturities)
82 Cap pada AT 1 yang termasuk phase out Current cap on AT1 instruments subject to N/A
phase out arrangements
83 Jumlah yang dikecualikan dari AT 1 karena Amount excluded from AT1 due to cap (excess N/A
adanya cap (kelebihan di atas cap setelah over cap after redemptions and maturities)
redemptions dan maturities)
84 Cap pada Tier 2 yang termasuk phase out Current cap on T2 instruments subject to N/A
phase out arrangements
85 Jumlah yang dikecualikan dari Tier 2 karena Amount excluded from T2 due to cap (excess N/A
adanya cap (kelebihan di atas cap setelah over cap after redemptions and maturities)
redemptions dan maturities)
2023 Annual Report & Sustainability Report
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2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
REKONSILIASI PERMODALAN
CAPITAL RECONCILIATION
POSISI 31 Desember 2023 (dalam jutaan rupiah)
(in million rupiah)
POSITION of December 31, 2023
Neraca Publiksi
dengan cakupan
berdasarkan
Neraca Publikasi ketentuan kehati-
POS - POS
No. Publication Balance hatian No. Reff
ITEMS
Sheet Publication Balance
Sheet with coverage
based on prudential
provisions
ASET
Assets
1. Kas 3.849 3.849
Cash
2. Penempatan pada Bank Indonesia 433.413 433.413
Placement with Bank Indonesia
3. Penempatan pada bank lain 1.416.114 1.416.114
Placement with another bank
4. Tagihan spot dan derivatif - -
Spot and derivatives receivables
5. Surat berharga yang dimiliki 2.533.383 2.533.383
Securities
6. Surat berharga yang dijual dengan janji dibeli kembali (repo) 649.456 649.456
Securities sold under repurchase agreement (repo)
7. Tagihan atas surat berharga yang dibeli dengan janji dijual - -
kembali (reverse repo)
Receivables from securities purchased under resell agreement
(reverse repo)
8. Tagihan akseptasi - -
Acceptance receivables
9. Kredit yang diberikan 7.385.708 7.385.708
Loans
10. Pembiayaan syariah - -
Sharia financing
11. Penyertaan modal -
Equity participation
a. Diperhitungkan dalam KPMM - -
Calculated in CAR
b. Tidak diperhitungkan dalam KPMM - -
Not calculated in CAR
12. Aset keuangan lainnya 80.522 80.522
Other financial assets
Laporan Tahunan & Laporan Keberlanjutan 2023
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 215
Neraca Publiksi
dengan cakupan
berdasarkan
Neraca Publikasi ketentuan kehati-
POS - POS
No. Publication Balance hatian No. Reff
ITEMS
Sheet Publication Balance
Sheet with coverage
based on prudential
provisions
13. Cadangan kerugian penurunan nilai aset keuangan -/-
Financial assets allowance for impairment losses -/-
a. Surat berharga - -
Securities
b. Kredit (62.198) (62.198)
Loans
c. Lainnya (216) (216)
Others
14. Aset tidak berwujud
Intangible Assets
a. Goodwill - - 5
b. Aset tidak berwujud lainnya 90.318 90.318 6
Other intangible assets
Akumulasi amortisasi aset tidak berwujud -/- (30.338) (30.338) 6
Accumulated amortization of intangible assets -/-
15. Aset tetap dan inventaris 267.601 267.601
Fixed assets and inventory
Akumulasi penyusutan aset tetap dan inventaris -/- (65.077) (65.077)
Accumulated depreciation of fixed assets and inventory -/-
16. Aset non produktif
Non-productive assets
a. Properti terbengkalai - -
Abandoned property
b. Aguan yang diambil alih - -
Foreclosed assets
c. Rekening tunda - -
Deferred account
d. Aset antar kantor - -
Inter-office assets
17. Aset lainnya 47.900 47.900
Other assets
Aset pajak tangguhan - - 7
Deferred tax assets
TOTAL ASET 12.750.435 12.750.435
TOTAL ASSETS
2023 Annual Report & Sustainability Report
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2023 Performance
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Profil Perusahaan
Company Profile
Neraca Publiksi
dengan cakupan
berdasarkan
Neraca Publikasi ketentuan kehati-
POS - POS
No. Publication Balance hatian No. Reff
ITEMS
Sheet Publication Balance
Sheet with coverage
based on prudential
provisions
LIABILITAS DAN EKUITAS
LIABILITY AND EQUITY
LIABILITAS
LIABILITIES
1. Giro 48.190 48.190
Current Accounts
2. Tabungan 465.110 465.110
Saving Accounts
3. Simpanan berjangka 4.385.365 4.385.365
Time deposits
4. Uang elektronik 6.008 6.008
Electronic money
5. Pinjaman dari Bank Indonesia - -
Loan from Bank Indonesia
6. Pinjaman dari bank lain 45.000 45.000
Loans from other banks
7. Liabilitas spot dan derivatif - -
Spot and derivative liabilities
8. Utang atas surat berharga yang dijual dengan janji dibeli 611.288 611.288
kembali (repo)
Debt on securities sold with an agreement to repurchase (repo)
9. Utang akseptasi - -
Acceptance payable
10. Surat berharga yang diterbitkan - - 9
Securities issued
11. Pinjaman pembiayaan yang diterima
Loans financing received
a. Diperhitungkan dalam KPMM - -
Calculated in KPMM
b. Tidak diperhitungkan dalam KPMM - -
Not taken into account in KPMM
12. Setoran jaminan - -
Security deposit
Laporan Tahunan & Laporan Keberlanjutan 2023
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 217
Neraca Publiksi
dengan cakupan
berdasarkan
Neraca Publikasi ketentuan kehati-
POS - POS
No. Publication Balance hatian No. Reff
ITEMS
Sheet Publication Balance
Sheet with coverage
based on prudential
provisions
13. Liabilitas antar kantor*
Interoffice liabilities*
a. Melakukan kegiatan operasional di Indonesia - -
Carrying out operational activities in Indonesia
b. Melakukan kegiatan operasional di luar Indonesia - -
Carrying out operational activities outside Indonesia
14. Liabilitas lainnya 304.398 304.398
Other liabilities
15. Kepentingan minoritas - -
Minority interest)
TOTAL LIABILITAS 5.865.359 5.865.359
TOTAL LIABILITIES
EKUITAS
EQUITY
17. Modal disetor
Paid-up capital
Modal dasar 4.000.000 4.000.000 1
Authorized capital
Modal yang belum disetor -/- (1.826.974) (1.826.974) 1
Unpaid capital -/-
Saham yang dibeli kembali (treasury stock) -/- - -
Repurchased shares (treasury stock) -/-
18. Tambahan modal disetor
Additional paid-in capital
a. Agio 3.824.553 3.824.553 1
b. Disagio -/- - -
c. Modal sumbangan - -
Donated capital
d. Dana setoran modal - -
Capital deposit funds
e. Lainnya 44.180 44.180 1
Others
19. Penghasilan koamprehensif lainnya
Other comprehensive income
a. Penyesuaian akibat penjabaran laporan keuangan dalam - -
mata uang asing
Adjustments resulting from the translation of financial
statements in foreign currency
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218 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Neraca Publiksi
dengan cakupan
berdasarkan
Neraca Publikasi ketentuan kehati-
POS - POS
No. Publication Balance hatian No. Reff
ITEMS
Sheet Publication Balance
Sheet with coverage
based on prudential
provisions
b. Keuntungan (kerugian) dari perubahan nilai aset keuangan 76.115 76.115 3
dalam kelompok tersedia untuk diukur pada nilai wajar
melalui penghasilan komprehensif lain
Gains (losses) from changes in the value of financial assets
in the group are available to be measured at fair value
through other comprehensive income
c. Bagian efektif lindung nilai arus kas - -
The effective portion of the cash flow hedge
d. Keuntungan revaluasi aset tetap - -
Gain on revaluation of fixed assets
e. Bagian pendapatan komprehensif lain dari entitas asosiasi - -
Share of other comprehensive income of associated
entities
f. Keuntungan (kerugian) aktuarial program imbalan pasti (3.766) (3.766)
Actuarial gains (losses) of defined benefit plans
g. Pajak penghasilan terkait dengan laba komprehensif lain - -
Income tax is related to other comprehensive income
h. Lainnya - -
Others
20. Selisih kuasi reorganisasi - -
The difference in quasi-reorganization
21. Selisih restrukturisasi entitas sepengendali - -
Differences in restructuring of entities under common control
22. Ekuitas lainnya - -
Other equity
23. Cadangan
Reserve
a. Cadangan umum 2.054 2.054 3
General reserve
b. Cadangan tujuan - -
Goal backup
24. Laba
rugi
Profit and loss
a. Tahun-tahun lalu 324.348 324.348 2
Preceeding years
b. Tahun berjalan 444.566 444.566 2
Current year
Laporan Tahunan & Laporan Keberlanjutan 2023
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
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Laporan Keberlanjutan
Sustainability Report 219
Neraca Publiksi
dengan cakupan
berdasarkan
Neraca Publikasi ketentuan kehati-
POS - POS
No. Publication Balance hatian No. Reff
ITEMS
Sheet Publication Balance
Sheet with coverage
based on prudential
provisions
c. Dividen yang dibayarkan -/- - -
Dividends paid -/-
TOTAL EKUITAS YANG DAPAT DIATRIBUSIKAN KEPADA 6.885.076 6.885.076
PEMILIK
TOTAL ATTRIBUTABLE EQUITY
25. Kepentingan non pengendali 4
Non-controlling interests
TOTAL EKUITAS 6.885.076 6.885.076
TOTAL EQUITY
TOTAL LIABILITAS DAN EKUITAS 12.750.435 12.750.435
TOTAL OF LIABILITIES AND EQUITIES
Analisis Kualitatif
Qualitative Analysis
Permodalan Bank dihitung mengikuti ketentuan POJK No.11/POJK.03/2016 tanggal 29 Januari 2016 tentang Kewajiban Penyediaan Modal Minimum
Bank Umum dan memastikan bahwa Bank memiliki struktur permodalan yang sehat dan sesuai dengan profil risiko, target bisnis dan ketentuan
permodalan dari Regulator.
Bank capital is calculated following the provisions of POJK No.11/POJK.03/2016 dated January 29, 2016 on the Minimum Capital Requirements for
Commercial Banks and ensures that the Bank has a sound capital structure and is in accordance with the risk profile, business targets and capital
requirements of the Regulator.
2023 Annual Report & Sustainability Report
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Laporan Manajemen
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Profil Perusahaan
Company Profile
Table CCA: Fitur Utama Permodalan Bank
CCA Table: Main Features of Bank Capital
Analisa Kuantitatif: Bank diharapkan menyedian informasi syarat dan ketenyan termasuk permodalan.
Quantitative Analysis: Banks are expected to provide information on terms and conditions including capital.
a
Informasi Kuantitatif/Kualitatif
Indonesia
Quantitative/Qualitative Information
1 Penerbit N/A
Issuer
2 Nomor identifikasi N/A
Identification number
3 Hukum yang digunakan N/A
Law used
3a Sarana yang memungkinkan kewajiban pelaksanaan pada Bagian 13 dari Lembar Istilah TLAC N/A
tercapai (untuk instrumen TLAC sah lainnya yang diatur oleh hukum asing)
Means of enabling the performance obligations under Section 13 of the TLAC Glossary to be
achieved (for other valid TLAC instruments governed by foreign law)
Perlakuan Instrumen berdasarkan ketentuan KPMM
Instrument treatment under CAR Provisions
4 Pada saat masa transisi N/A
At the time of transition
5 setelah masa transisi N/A
After transition
6 Apakah instrumen eligible untuk Individu N/A
Konsolidasi atau Konsolidasi dan Individu
Is the instrument eligible for Individual
Consolidation or Consolidation and Individual
7 Jenis Instrumen N/A
Types of Instruments
8 Jumlah yang diakui dalam perhitungan KPMM -
Recognized value in CAR calculation
9 Nilai par dari instrumen N/A
The par value of instrument
10 Klasifikasi sesuai standar akuntansi keuangan N/A
Classification according to financial accounting standards
11 Tanggal penerbitan N/A
Issuance date
12 Tidak ada jatuh tempo (perpetual) atau dengan jatuh tempo N/A
Perpetual or with maturity date
13 Tanggal jatuh tempo N/A
Maturity date
14 Eksekusi call option atas persetujuan Otoritas Jasa Keuangan N/A
Call option execution with the Financial Services Authority approval
Laporan Tahunan & Laporan Keberlanjutan 2023
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Tata Kelola Perusahaan yang Baik
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Laporan Keberlanjutan
Sustainability Report 221
a
Informasi Kuantitatif/Kualitatif
Indonesia
Quantitative/Qualitative Information
15 Tanggal call option, jumlah penarikan dan persyaratan call option lainnya (bila ada) N/A
Call option date, withdrawal amount and other call option requirements (if any)
16 Subsequent call option N/A
Kupon/dividen
Coupons/dividends
17 Dividen/kupon dengan bunga tetap atau floating N/A
Dividends/coupons with fixed or floating interest
18 Tingkat dari coupon rate atau index lain yang menjadi acuan N/A
The level of the coupon rate or other index that is used as a reference
19 Ada atau tidaknya dividend stopper N/A
Whether or not there is a dividend stopper
20 Fully discretionary; partial atau mandatory N/A
Fully discretionary; partial or mandatory
21 Apakah terdapat fitur step up atau insentif lain N/A
Is there a step up feature or other incentives?
22 Non-kumulatif atau kumulatif N/A
Non-cumulative or cumulative
23 Dapat dikonversi atau tidak dapat dikonversi N/A
Convertible or non-convertible
24 Jika dapat dikonversi, sebutkan trigger point-nya N/A
If convertible, state the trigger point
25 Jika dapat dikonversi, apakah seluruh atau sebagian N/A
If it is convertible, whether in whole or in part
26 Jika dapat dikonversi, bagaimana rate konversinya N/A
If convertible, what is the conversion rate
27 Jika dapat dikonversi; apakah mandatory atau optional N/A
If convertible; is it mandatory or optional
28 Jika dapat dikonversi, sebutkan jenis instrumen konversinya N/A
If convertible, state the type of conversion instrument
29 Jika dapat dikonversi, sebutkan issuer of instrument it converts into N/A
If convertible, state issuer of instrument it converts into
30 Fitur write-down Ya
Write-down feature
31 Jika terjadi write-down, sebutkan trigger-nya N/A
If write-down occurs, name the trigger
32 Jika terjadi write-down, apakah penuh atau sebagian N/A
If write-down occurs, is it whole or partly
33 Jika terjadi write down; permanen atau temporer N/A
If write-down occurs, is it permanent or temporary
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a
Informasi Kuantitatif/Kualitatif
Indonesia
Quantitative/Qualitative Information
34 Jika terjadi write down temporer, jelaskan mekanisme write-up N/A
If a temporary write down occurs, explain the write-up mechanism
34a Tipe subordinasi N/A
Types of subordinates
35 Hierarki instrumen pada saat likuidasi N/A
Instruments Hierarchy at the time of liquidation
36 Apakah terdapat fitur yang non-compliant N/A
Are there any non-compliant features
37 Jika Ya, jelaskan fitur yang non-compliant N/A
If Yes, explain the non-compliant features
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Good Corporate Governance
Laporan Keberlanjutan
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Tabel 1 : Pengungkapan Struktur Permodalan (dalam jutaan rupiah)
(in million rupiah)
Table 1: Disclosure of Capital Structure
KOMPONEN MODAL 31 December 31 December
CAPITAL COMPONENT 2023 2022
I Modal Inti (Tier 1) 6.811.607 6.330.169
Core Capital (Tier 1)
Modal Inti Utama 6.811.607 6.330.169
Common Equity Tier 1 (CET 1)
1.1 Modal disetor (Setelah dikurangi Treasury Stock) 2.173.026 2.173.026
Paid Up Capital (after reduced by Treasury Stock)
1.2 Cadangan Tambahan Modal 4.688.523 4.219.086
Additional Capital Allowance
1.2.1 Faktor Penambah
Enhancement Factor
1.2.1.1 Pendapatan komprehensif lainnya
Other comprehensive income
1.2.1.1.1 Selisih lebih penjabaran laporan keuangan - -
Differences in the translation of financial statements
1.2.1.1.2 Potensi keuntungan dari peningkatan nilai wajar aset keuangan 76.115 45.646
dalam kelompok tersedia untuk dijual
Potential gain from an increase in the fair value of financial
assets in the available-for-sale group
1.2.1.1.3 Saldo surplus revaluasi aset tetap - -
Fixed assets revaluation surplus balance
1.2.1.2 Cadangan tambahan modal lainnya
Other disclosed reserves
1.2.1.2.1 Agio 3.824.553 3.824.553
1.2.1.2.2 Cadangan umum 2.054 2.025
General reserve
1.2.1.2.3 Laba tahun-tahun lalu 324.348 54.348
Previours year profits
1.2.1.2.4 Laba tahun berjalan 444.566 270.029
Profit for the year
1.2.1.2.5 Dana setoran modal - -
Capital Deposits
1.2.1.2.6 Lainnya 44.180 44.180
Others
1.2.2 Faktor Pengurang
Deduction Factor
1.2.2.1 Pendapatan komprehensif lainnya
Other comprehensive income
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KOMPONEN MODAL 31 December 31 December
CAPITAL COMPONENT 2023 2022
1.2.2.1.1 Selisih kurang penjabaran laporan keuangan - -
Differences in the translation of financial statements
1.2.2.1.2 Potensi kerugian dari penurunan nilai wajar aset keuangan - -
dalam kelompok tersedia untuk dijual
Potential loss from decrease in fair value of available-for-sale
financial assets
1.2.2.2 Cadangan tambahan modal lainnya
Other disclosed reserves
1.2.2.2.1 Disagio - -
1.2.2.2.2 Rugi tahun-tahun lalu - -
Previous year loss
1.2.2.2.3 Rugi tahun berjalan - -
Loss for the year
1.2.2.2.4 Selisih kurang antara Penyisihan Penghapusan Aset (PPA) dan (27.293) (21.695)
Cadangan Kerugian Penurunan Nilai (CKPN) atas aset produktif
Less difference between Allowance for Asset Losses (PPA) and
Allowance for Impairment Losses (CKPN) on earning assets
1.2.2.2.5 Selisih kurang jumlah penyesuaian nilai wajar dari instrumen - -
keuangan dalam trading book
The difference between the amount of fair value adjustment of
financial instruments in the trading book
1.2.2.2.6 PPA aset non produktif yang wajib dibentuk - -
PPA for non-productive assets that must be formed
1.2.2.2.7 Lainnya - -
Others
1.3 Kepentingan Non Pengendali yang dapat diperhitungkan
Considerable non-controlling interest
1.4 Faktor Pengurang Modal Inti Utama (49.942) (61.943)
Main Core Capital Deduction Factor
1.4.1 Perhitungan pajak tangguhan - -
Deferred tax calculation
1.4.2 Goodwill - -
1.4.3 Seluruh Aset tidak berwujud lainnya (49.942) (61.943)
All other intangible assets
1.4.4 Penyertaan yang diperhitungkan sebagai faktor pengurang - -
The inclusion considered as a deduction factor
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Laporan Keberlanjutan
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KOMPONEN MODAL 31 December 31 December
CAPITAL COMPONENT 2023 2022
1.4.5 Kekurangan modal pada perusahaan anak asuransi - -
Lack of capital in the insurance subsidiary company
1.4.6 Eksposur sekuritisasi - -
Securitization Exposure
1.4.7 Faktor pengurang modal inti utama lainnya - -
Other major core capital deduction factors
1.4.7.1 Penempatan dana pada instrumen AT1 dan atau Tier 2 pada bank lain - -
Placement of funds in AT1 and or Tier 2 instruments at other banks
1.4.7.2 Kepemilikan silang pada entitas lain yang diperoleh berdasarkan peralihan - -
karena hukum, hibah, atau hibah wasiat
Cross-ownership in another entity acquired based on a transfer by law, gift,
or testamentary grant
Modal Inti Tambahan - -
Additional Tier 1 (AT 1)
2.1 Instrumen yang memenuhi persyaratan AT 1 - -
Instruments that meet AT 1 requirements
2.2 Agio - -
Disagio
2.3 Faktor Pengurang: Modal Inti Tambahan *) - -
Deducting Factor: Additional Core Capital *)
2.3.1 Penempatan dana pada instrumen AT1 dan atau Tier 2 pada bank lain - -
Placement of funds in AT1 and or Tier 2 instruments at other banks
2.3.2 Kepemilikan silang pada entitas lain yang diperoleh berdasarkan peralihan - -
karena hukum, hibah, atau hibah wasiat
Cross-ownership in another entity acquired based on a transfer by law, gift,
or testamentary grant
II Modal Pelengkap (Tier 2) 87.725 73.881
Supplementary Capital (Tier 2)
1 Instrumen modal dalam bentuk saham atau lainnya yang memenuhi persyaratan Tier 2 - -
Capital instruments in the form of shares or other that meet Tier 2 requirements
Agio - -
disagio
Cadangan umum PPA atas aset produktif yang wajib dibentuk (paling tinggi 1,25% ATMR 87.725 73.881
Risiko Kredit)
PPA general reserve for productive assets that must be established (maximum 1.25% Credit
Risk RWA)
Faktor Pengurang Modal Pelengkap - -
Supplementary Capital Reduction Factors
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KOMPONEN MODAL 31 December 31 December
CAPITAL COMPONENT 2023 2022
4 Sinking Fund - -
4 Penempatan dana pada instrumen AT1 dan atau Tier 2 pada bank lain - -
Placement of funds in AT1 and or Tier 2 instruments at other banks
4 Kepemilikan silang pada entitas lain yang diperoleh berdasarkan peralihan karena hukum, - -
hibah, atau hibah wasiat
Cross-ownership in another entity acquired based on a transfer by law, gift, or testamentary
grant
TOTAL MODAL 6.899.332 6.404.050
TOTAL CAPITAL
31 Desember 31 December KETERANGAN 31 December 31 December
2023 2022 DESCRIPTION 2023 2022
ASET TERTIMBANG MENURUT RISIKO RASIO KPMM
Assets Considered Risk
ATMR RISIKO KREDIT 7.963.833 7.775.557 Rasio CET 1 (%) 82,29% 78,62%
RWA Credit Risk CET 1 Ratio
ATMR RISIKO PASAR - - Rasio Tier 1 (%) 82,29% 78,62%
RWA Market Risk Tier 1 Ratio
ATMR RISIKO OPERASIONAL 313.432 276.440 Rasio Tier 2 (%) 1,06% 0,92%
RWA Operational Risk Tier 2 Ratio
TOTAL ATMR 8.277.265 8.051.997 Rasio KPMM (%) 83,35% 79,53%
KPMM Ratio
RASIO KPMM SESUAI PROFIL RISIKO (%) 9,90% 9,90% CET 1 UNTUK BUFFER 73,45% 79,53%
CAR Ratio Based on Risk Profile (%) (%)
CET 1 FOR BUFFER
ALOKASI PEMENUHAN KPMM SESUAI PERSENTASE BUFFER 2,500% 2,500%
PROFIL RISIKO YANG WAJIB DIPENUHI
Allocation of Compliance Car According OLEH BANK (%)
to Risk PERCENTAGE OF
Profile BUFFER REQUIRED TO
BE FULFILLED BY THE
BANK (%)
Dari CET 1 (%) 8,84% 8,98% Capital Conservation Buffer 2,500% 2,500%
From CET 1 (%) (%)
Dari AT 1 (%) 0,00% 0,00% Countercyclical Buffer (%) 0,000% 0,000%
From AT 1 (%)
Dari Tier 2 (%) 1,06% 0,92% Capital Surcharge untuk 0,000% 0,000%
From Tier 2 (%) Bank Sistemik (%)
Capital Surcharge for
Systemic Banks (%)
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Laporan Keberlanjutan
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Pengungkapan Kualitatif mengenai Struktur
Permodalan dan Kecukupan Permodalan/Qualitative Disclosures regarding Capital Structure and Capital Adequacy
Sebagai bagian dari entitas perbankan di Indonesia, Bank selalu berupaya untuk memenuhi ketentuan yang berlaku dari regulator. Pada 31 Desember
2023 dan 2022, modal Bank dihitung mengikuti ketentuan POJK No.11/POJK.03/2016 tanggal 29 Januari 2016 tentang Kewajiban Penyediaan
Modal Minimum Bank Umum.
As part of the banking entity in Indonesia, the Bank always strives to comply with applicable regulations from the regulator. On December 31, 2023
and 2022, the Bank’s capital is calculated following the provisions of POJK No.11/POJK.03/2016 dated January 29, 2016 concerning the Minimum
Capital Requirements for Commercial Banks.
Risiko Kredit
Credit Risk
CRA : Pengungkapan Informasi mengenai Kualitatif Terkait Risiko Kredit Secara Umum
CRA : Disclosure of Qualitative Information Related to Credit Risk in General
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2023 Performance
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Risiko Kredit
Credit Risk
Pengungkapan Kualitas Kredit atas Aset (CR1)
Disclosure of Credit Quality of Assets (CR1)
Bank Secara Individu
Bank Individually
Nilai Tercatat Bruto
Gross Carrying Amount
Tagihan yang Tagihan yang CKPN
Telah Jatuh Belum Jatuh
Tempo Tempo
Past Due Claims Undue Claims
a b c
1 Kredit 6.000 7.379.707 62.198
Loans
2 Surat Berharga - 2.533.383 -
Securities
3 Surat Berharga/Piutang Subordinasi - - -
Securities/Subordinated Receivables
4 Surat Berharga yang dijual dengan janji dibeli kembali (Repo) - - -
Securities sold with an agreement to repurchase (Repo)
5 Penempatan pada Bank Indonesia - 433.413 -
Placement with Bank Indonesia
6 Penempatan pada Bank lain - 1.416.321 -
Placement with Other Banks
7 Tagihan Akseptasi - - -
Acceptance Receivables
8 Instrumen ekuitas - - -
Equity instruments
9 Instrumen modal lainnya - - -
Other capital instruments
10 Penyertaan dalam rangka program nasional - - -
Participation in the framework of national programs
11 Tagihan Bunga yang belum diterima - 20.440 -
Interest Bills that have not been received
12 Tagihan Lainnya - - -
Other bills
13 Aset Lainnya - 318.958 -
Other Assets
3 Transaksi Rekening Administratif - - -
Administrative Account Transaction
4 Total 6.000 9.913.091 62.198
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Laporan Keberlanjutan
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CKPN
CKPN
Nilai Bersih
(Pendekatan IRB
Net Value (a+b-c)
Stage 2 dan Stage 3 IRB Approach)
Stage 1
Stage 2 and Stage 3
d e f g
7.165 55.033 7.323.510
- - 2.533.383
- - -
- - -
- - 433.413
- - 1.416.321
- - -
- - -
- - -
- - -
- - 20.440
- - -
- - 318.958
- - -
7.165 55.033 - 9.856.893
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2023 Performance
Laporan Manajemen
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Profil Perusahaan
Company Profile
Risiko Kredit
Credit Risk
Pengungkapan Mutasi Kredit dan Surat Berharga yang Telah Jatuh Tempo (CR2) (dalam jutaan rupiah)
(in million rupiah)
Disclosure of Credit Movements and Overdue Securities (CR2)
Bank Secara Individu
a
Bank as an Individual
1 Kredit dan Surat Berharga yang Telah Jatuh Tempo pada periode pelaporan terakhir -
Credit and Securities that have matured in the last reporting period
2 Kredit dan Surat Berharga yang Telah Jatuh Tempo sejak periode pelaporan terakhir -
Credit and Securities that have matured since the last reporting period
3 Kredit dan Surat Berharga yang kembali menjadi tagihan yang belum jatuh tempo 7.379.707
Credit and Securities that return to bills that have not yet matured
4 Nilai hapus buku 35.191
Write-off value
5 Perubahan lain -
Other changes
6 Kredit dan Surat Berharga yang Telah Jatuh Tempo pada akhir periode pelaporan (1+2-3-4+5) 6.000
Credit and Securities that have matured at the end of the reporting period (1+2-3-4+5)
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Laporan Keberlanjutan
Sustainability Report 231
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This page is intentionally left blank.
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2023 Performance
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Management Report
Profil Perusahaan
Company Profile
Risiko Kredit
Credit Risk
CRB : Pengungkapan Tambahan terkait Kualitas Kredit atas Aset
CRB: Additional Disclosures regarding Credit Quality of Assets
CRB : Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank Secara Individu
CRB: Disclosure of Net Receivables by Region - Individual Banks
31 Desember 2023
December 31, 2023
Kategori Portofolio
No. Tagihan Bersih Berdasarkan Wilayah
Portfolio Category
Net Billing Disclosure by Region
Jakarta Bandung Surabaya Semarang Medan Makassar Banjarmasin Total
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Tagihan kepada 3.026.284 - - - - - - 3.026.284
Pemerintah
Claims on Sovereign
2 Tagihan kepada Entitas - - - - - - - -
Sektor Publik
Claims on Public Sector
Entity
3 Tagihan kepada - - - - - - - -
Bank Pembangunan
Multilateral dan
Lembaga Internasional
Claims on Multilateral
Development
Banks and International
Institutions
4 Tagihan kepada Bank 1.416.915 - - - - - - 1.416.915
Claims on Banks
5 Tagihan berupa Covered - - - - - - - -
Bond
Covered Bond Claims
6 Tagihan kepada - - - - - - - -
Perusahaan Efek
dan Lembaga Jasa
Keuangan Lainnya
Claims to Securities
Companies and Other
Financial Services
Institutions
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Laporan Keberlanjutan
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31 Desember 2022
December 31, 2022
Tagihan Bersih Berdasarkan Wilayah
Net Billing Disclosure by Region
Jakarta Bandung Surabaya Semarang Medan Makassar Banjarmasin Total
(11) (12) (13) (14) (15) (16) (17) (18)
2.610.274 - - - - - - 44.510.991
- - - - - - - 590.863
- - - - - - - -
189.830 - - - - - - 2.134.040
- - - - - - - -
- - - - - - - 3.194.506
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2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
31 Desember 2023
December 31, 2023
Kategori Portofolio
No. Tagihan Bersih Berdasarkan Wilayah
Portfolio Category
Net Billing Disclosure by Region
Jakarta Bandung Surabaya Semarang Medan Makassar Banjarmasin Total
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
7 Tagihan berupa Surat - - - - - - - -
Berharga/Piutang
Subordinasi, Ekuitas,
dan Instrumen Modal
Lainnya
Claims in the form of
Securities/Subordinated
Receivables, Equity
and Other Capital
Instruments
8 Kredit Beragun Properti - - - - - - - -
Rumah Tinggal
Residential Property
Secured Loans
9 Kredit Beragun Properti - - - - - - - -
Rumah Komersil
Commercial Home
Property Secured Loans
10 Kredit untuk Pengadaan - - - - - - - -
Tanah, Pengolahan
Tanah, dan Konstruksi
Land Acquisition,
Land Processing and
Construction Loans
11 Kredit Pegawai/ - - - - - - - -
Pensiunan
Employee Loan/Pension
12 Tagihan Kepada Usaha 420.742 - - - - - - 420.742
Mikro, Usaha Kecil dan
Portofolio Ritel
Claims on Micro and
Small/Enterprise and
Retail Portfolio
13 Tagihan kepada 6.934.114 - - - - - - 6.934.114
Korporasi
Claims on Corporate
14 Tagihan yang Telah 30.852 - - - - - - 30.852
Jatuh Tempo
Past Due Claims
15 Aset Lainnya 318.958 - - - - - - 318.958
Other Assets
Total 12.147.865 - - - - - - 12.147.865
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Laporan Keberlanjutan
Sustainability Report 235
31 Desember 2022
December 31, 2022
Tagihan Bersih Berdasarkan Wilayah
Net Billing Disclosure by Region
Jakarta Bandung Surabaya Semarang Medan Makassar Banjarmasin Total
(11) (12) (13) (14) (15) (16) (17) (18)
- - - - - - - 668
- - - - - - - 775.530
- - - - - - - 3.261.902
- - - - - - - 3.383.418
- - - - - - - 1.928
146.405 - - - - - - 35.704.960
7.068.953 - - - - - - 48.270.066
7.287 - - - - - - 875.662
481.939 - - - - - - 9.365.628
10.504.688 - - - - - - 10.504.688
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CRB : Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank Secara Individu
CRB: Disclosure of Net Claims by Economic Sector - Individual Banks
31 Desember 2023
December 31, 2023
Tagihan
Tagihan Berupa Surat
kepada Berharga/
Tagihan
Perusahaan Piutang
Kepada Bank
Tagihan Efek dan Subordinasi,
Pembangunan
Kepada Tagihan Lembaga Ekuitas dan
Sektor Ekonomi Multilateral
Tagihan Entitas Tagihan Berupa Jasa Intrumen
No. dan Lembaga
Economic Sector Kepada Sektor Kepada Covered Keuangan Modal
Internasional
Pemerintah Publik Bank Bond lainnya Lainnya
Claims on
Claims on Claims Claims on Covered Claims from Claims in
Multilateral
Sovereign on Public Banks Bond Securities the Form of
Development
Sector Claims Companies Securities/
Banks and
Entity and other Subordinated
International
Financial Debt, Equity
Institutions
Services and Other
Institutions Capital
Instruments
(1) (2) (3) (4) (5) (6) (7) (8) (9)
1 Pertanian, Kehutanan - - - - - - -
Dan Perikanan
Agriculture, Forestry
and Fisheries
2 Pertambangan dan - - - - - - -
Penggalian
Mining and excavation
3 Industri Pengolahan - - - - - - -
Manufacturing
4 Pengadaan Listrik, Gas, - - - - - - -
Uap/Air Panas, Udara
Dingin
Procurement of
Electricity, Gas, Steam/
Hot Water, Cold Air
5 Pengelola Air, Limbah, - - - - - - -
Daur Ulang Sampah
Water, Waste, Waste
Recycling Management
6 Konstruksi - - - - - - -
Construction
7 Perdagangan, Reparasi, - - - - - - -
Rawat Mobil & Motor
Trading, Repair,
Car & Motorcycle
Maintenance
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Kredit untuk
Pengadaan Tagihan
Tanah, Kepada
Kredit
Kredit Pengolahaan Usaha Mikro,
Beragun
Beragun Kredit Tanah dan Usaha Kecil Tagihan Tagihan yang
Properti
Rumah Pegawai/ Konstruksi dan Portofolio kepada Telah Jatuh
Komersial Aset Lainnya
Tinggal Pensiuna Loans Ritel Korporasi Tempo
Commercial Other Assets
Residential Employee for Land Claims Claims on Past Due
Property
Mortgage Loan/Pension Acquisition, on Micro Corporate Claims
Mortgage
Loans Land and Small
Loans
Cultivation Enterprise and
and Retail Portfolio
Construction
(10) (11) (12) (13) (14) (15) (16) (17)
- - - - - 460.915 - -
- - - - - 477.058 - -
- - - - - 1.449.000 - -
- - - - - 37.238 - -
- - - - - - - -
- - - - - - - -
- - - - - - -
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2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
31 Desember 2023
December 31, 2023
Tagihan
Tagihan Berupa Surat
kepada Berharga/
Tagihan
Perusahaan Piutang
Kepada Bank
Tagihan Efek dan Subordinasi,
Pembangunan
Kepada Tagihan Lembaga Ekuitas dan
Sektor Ekonomi Multilateral
Tagihan Entitas Tagihan Berupa Jasa Intrumen
No. dan Lembaga
Economic Sector Kepada Sektor Kepada Covered Keuangan Modal
Internasional
Pemerintah Publik Bank Bond lainnya Lainnya
Claims on
Claims on Claims Claims on Covered Claims from Claims in
Multilateral
Sovereign on Public Banks Bond Securities the Form of
Development
Sector Claims Companies Securities/
Banks and
Entity and other Subordinated
International
Financial Debt, Equity
Institutions
Services and Other
Institutions Capital
Instruments
(1) (2) (3) (4) (5) (6) (7) (8) (9)
8 Pengangkutan dan - - - - - - -
Pergudangan
Transportation and
Warehousing
9 Penyediaan Akomodasi, - - - - - - -
Makan dan Minum
Accommodation, food
and drink
10 Informasi dan - - - - - - -
Komunikasi
Information and
Communication
11 Aktivitas Keuangan dan - - - - - - -
Asuransi
Information and
Communication
12 Real Estat - - - - - - -
Real Estate
13 Aktivitas Profesional, - - - - - - -
Ilmiah dan Teknis
Professional, Scientific
and Technical Activities
14 Penyewaan, Tenaga - - - - - - -
Kerja, Agen Perjalanan
Rentals, Labor, Travel
Agents
15 Admin Pemerintahan, - - - - - - -
Pertahanan, Jam-Sos
Government Admin,
Defense, Social Security
16 Pendidikan - - - - - - -
Education
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 241
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 239
Kredit untuk
Pengadaan Tagihan
Tanah, Kepada
Kredit
Kredit Pengolahaan Usaha Mikro,
Beragun
Beragun Kredit Tanah dan Usaha Kecil Tagihan Tagihan yang
Properti
Rumah Pegawai/ Konstruksi dan Portofolio kepada Telah Jatuh
Komersial Aset Lainnya
Tinggal Pensiuna Loans Ritel Korporasi Tempo
Commercial Other Assets
Residential Employee for Land Claims Claims on Past Due
Property
Mortgage Loan/Pension Acquisition, on Micro Corporate Claims
Mortgage
Loans Land and Small
Loans
Cultivation Enterprise and
and Retail Portfolio
Construction
(10) (11) (12) (13) (14) (15) (16) (17)
- - - - - - - -
- - - - - - - -
- - - - - 4.200.265 - -
- - - - - 59.639 - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
2023 Annual Report & Sustainability Report
Page 242
240 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
31 Desember 2023
December 31, 2023
Tagihan
Tagihan Berupa Surat
kepada Berharga/
Tagihan
Perusahaan Piutang
Kepada Bank
Tagihan Efek dan Subordinasi,
Pembangunan
Kepada Tagihan Lembaga Ekuitas dan
Sektor Ekonomi Multilateral
Tagihan Entitas Tagihan Berupa Jasa Intrumen
No. dan Lembaga
Economic Sector Kepada Sektor Kepada Covered Keuangan Modal
Internasional
Pemerintah Publik Bank Bond lainnya Lainnya
Claims on
Claims on Claims Claims on Covered Claims from Claims in
Multilateral
Sovereign on Public Banks Bond Securities the Form of
Development
Sector Claims Companies Securities/
Banks and
Entity and other Subordinated
International
Financial Debt, Equity
Institutions
Services and Other
Institutions Capital
Instruments
(1) (2) (3) (4) (5) (6) (7) (8) (9)
17 Aktivitas Kesehatan - - - - - - -
Manusia dan Sosial
Human Health and
Social Activities
18 Kesenian, Hiburan dan - - - - - - -
Rekreasi
Arts, Entertainment and
Recreation
19 Aktivitas Jasa Lainnya - - - - - - -
Other Service Activities
20 Aktivitas Rt Pemberi - - - - - - -
Kerja,Barang-Jasa
Employer Household
Activities, Goods and
Services
21 Aktivitas Badan - - - - - - -
Internasional, Ekstra
Lain
International Agency
Activities, Other Extras
22 Rumah Tangga - - - - - - -
Household
23 Bukan Lapangan Usaha - - - - - - -
Lainnya
Non-Business Fields
24 Lainnya - - - - - - -
Others
Total - - - - - - -
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 243
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 241
Kredit untuk
Pengadaan Tagihan
Tanah, Kepada
Kredit
Kredit Pengolahaan Usaha Mikro,
Beragun
Beragun Kredit Tanah dan Usaha Kecil Tagihan Tagihan yang
Properti
Rumah Pegawai/ Konstruksi dan Portofolio kepada Telah Jatuh
Komersial Aset Lainnya
Tinggal Pensiuna Loans Ritel Korporasi Tempo
Commercial Other Assets
Residential Employee for Land Claims Claims on Past Due
Property
Mortgage Loan/Pension Acquisition, on Micro Corporate Claims
Mortgage
Loans Land and Small
Loans
Cultivation Enterprise and
and Retail Portfolio
Construction
(10) (11) (12) (13) (14) (15) (16) (17)
- - - - - - - -
- - - - - 250.000 - -
- - - - - - -
- - - - - - - -
- - - - - -
- - - - 420.742 - 30.852 -
- - - - - - - -
- - - - - - - -
- - - - 420.742 6.934.114 30.852 -
2023 Annual Report & Sustainability Report
Page 244
242 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank Secara Individu
Disclosure of Net Receivables Based on Economic Sector - Individual Banks
31 Desember 2022
December 31, 2022
Tagihan
Tagihan Berupa Surat
Tagihan kepada Berharga/
Kepada Bank Perusahaan Piutang
Pembangunan Efek dan Subordinasi,
Tagihan
Multilateral Lembaga Jasa Ekuitas dan
Sektor Ekonomi Kepada Tagihan
No. dan Lembaga Tagihan Keuangan Intrumen
Economic Sector Entitas Sektor Berupa
Internasional Kepada Bank lainnya Modal Lainnya
Publik Covered Bond
Claims on Claims on Claims from Claims in
Claims on Covered Bond
Multilateral Banks Securities the Form of
Public Sector Claims
Development Companies Securities/
Entity
Banks and and other Subordinated
International Financial Debt, Equity
Institutions Services and Other
Institutions Capital
Instruments
(1) (2) (3) (4) (5) (6) (7) (8)
1 Pertanian, Kehutanan - - - - - -
Dan Perikanan
Agriculture, Forestry
and Fisheries
2 Pertambangan dan - - - - - -
Penggalian
Mining and excavation
3 Industri Pengolahan - - - - - -
Manufacturing
4 Pengadaan Listrik, Gas, - - - - - -
Uap/Air Panas,Udara
Dingin
Procurement of
Electricity, Gas, Steam/
Hot Water, Cold Air
5 Pengelola Air, Limbah, - - - - - -
Daur Ulang Sampah
Water, Waste, Waste
Recycling Management
6 Konstruksi - - - - - -
Construction
7 Perdagangan, - - - - - -
Reparasi,Rawat Mobil
& Motor
Trading, Repair,
Car & Motorcycle
Maintenance
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 245
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 243
Kredit untuk
Pengadaan Tagihan
Tanah, Kepada
Kredit
Kredit Pengolahaan Usaha Mikro,
Beragun
Beragun Kredit Tanah dan Usaha Kecil Tagihan Tagihan yang
Properti
Rumah Pegawai/ Konstruksi dan Portofolio kepada Telah Jatuh
Komersial Aset Lainnya
Tinggal Pensiuna Loans Ritel Korporasi Tempo
Commercial Other Assets
Residential Employee for Land Claims Claims on Past Due
Property
Mortgage Loan/Pension Acquisition, on Micro Corporate Claims
Mortgage
Loans Land and Small
Loans
Cultivation Enterprise and
and Retail Portfolio
Construction
(9) (10) (11) (12) (13) (14) (15) (16)
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
2023 Annual Report & Sustainability Report
Page 246
244 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
31 Desember 2022
December 31, 2022
Tagihan
Tagihan Berupa Surat
Tagihan kepada Berharga/
Kepada Bank Perusahaan Piutang
Pembangunan Efek dan Subordinasi,
Tagihan
Multilateral Lembaga Jasa Ekuitas dan
Sektor Ekonomi Kepada Tagihan
No. dan Lembaga Tagihan Keuangan Intrumen
Economic Sector Entitas Sektor Berupa
Internasional Kepada Bank lainnya Modal Lainnya
Publik Covered Bond
Claims on Claims on Claims from Claims in
Claims on Covered Bond
Multilateral Banks Securities the Form of
Public Sector Claims
Development Companies Securities/
Entity
Banks and and other Subordinated
International Financial Debt, Equity
Institutions Services and Other
Institutions Capital
Instruments
(1) (2) (3) (4) (5) (6) (7) (8)
8 Pengangkutan dan - - - - - -
Pergudangan
Transportation and
Warehousing
9 Penyediaan Akomodasi, - - - - - -
Makan dan Minum
Accommodation, food
and drink
10 Informasi dan - - - - - -
Komunikasi
Information and
Communication
11 Aktivitas Keuangan dan - - - - - -
Asuransi
Information and
Communication
12 Real Estat - - - - - -
Real Estate
13 Aktivitas Profesional, - - - - - -
Ilmiah dan Teknis
Professional, Scientific
and Technical Activities
14 Penyewaan, Tenaga - - - - - -
Kerja, Agen Perjalanan
Rentals, Labor, Travel
Agents
15 Admin Pemerintahan, - - - - - -
Pertahanan, Jam-Sos
Government Admin,
Defense, Social Security
16 Pendidikan - - - - - -
Education
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 247
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 245
Kredit untuk
Pengadaan Tagihan
Tanah, Kepada
Kredit
Kredit Pengolahaan Usaha Mikro,
Beragun
Beragun Kredit Tanah dan Usaha Kecil Tagihan Tagihan yang
Properti
Rumah Pegawai/ Konstruksi dan Portofolio kepada Telah Jatuh
Komersial Aset Lainnya
Tinggal Pensiuna Loans Ritel Korporasi Tempo
Commercial Other Assets
Residential Employee for Land Claims Claims on Past Due
Property
Mortgage Loan/Pension Acquisition, on Micro Corporate Claims
Mortgage
Loans Land and Small
Loans
Cultivation Enterprise and
and Retail Portfolio
Construction
(9) (10) (11) (12) (13) (14) (15) (16)
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
2023 Annual Report & Sustainability Report
Page 248
246 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
31 Desember 2022
December 31, 2022
Tagihan
Tagihan Berupa Surat
Tagihan kepada Berharga/
Kepada Bank Perusahaan Piutang
Pembangunan Efek dan Subordinasi,
Tagihan
Multilateral Lembaga Jasa Ekuitas dan
Sektor Ekonomi Kepada Tagihan
No. dan Lembaga Tagihan Keuangan Intrumen
Economic Sector Entitas Sektor Berupa
Internasional Kepada Bank lainnya Modal Lainnya
Publik Covered Bond
Claims on Claims on Claims from Claims in
Claims on Covered Bond
Multilateral Banks Securities the Form of
Public Sector Claims
Development Companies Securities/
Entity
Banks and and other Subordinated
International Financial Debt, Equity
Institutions Services and Other
Institutions Capital
Instruments
(1) (2) (3) (4) (5) (6) (7) (8)
17 Aktivitas Kesehatan - - - - - -
Manusia dan Sosial
Human Health and
Social Activities
18 Kesenian, Hiburan dan - - - - - -
Rekreasi
Arts, Entertainment and
Recreation
19 Aktivitas Jasa Lainnya - - - - - -
Other Service Activities
20 Aktivitas Rt Pemberi - - - - - -
Kerja,Barang-Jasa
Employer Household
Activities, Goods and
Services
21 Aktivitas Badan - - - - - -
Internasional, Ekstra
Lain
International Agency
Activities, Other Extras
22 Rumah Tangga - - - - - -
Household
23 Bukan Lapangan Usaha - - - - - -
Lainnya
Non-Business Fields
24 Lainnya - - - - - -
Others
Total - - - - - -
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 249
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 247
Kredit untuk
Pengadaan Tagihan
Tanah, Kepada
Kredit
Kredit Pengolahaan Usaha Mikro,
Beragun
Beragun Kredit Tanah dan Usaha Kecil Tagihan Tagihan yang
Properti
Rumah Pegawai/ Konstruksi dan Portofolio kepada Telah Jatuh
Komersial Aset Lainnya
Tinggal Pensiuna Loans Ritel Korporasi Tempo
Commercial Other Assets
Residential Employee for Land Claims Claims on Past Due
Property
Mortgage Loan/Pension Acquisition, on Micro Corporate Claims
Mortgage
Loans Land and Small
Loans
Cultivation Enterprise and
and Retail Portfolio
Construction
(9) (10) (11) (12) (13) (14) (15) (16)
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
2023 Annual Report & Sustainability Report
Page 250
248 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
CRB : Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank Secara Individu
CRB: Disclosure of Net Claims Based on Remaining Contract Term - Individual Banks
31 Desember 2023
December 31, 2023
Tagihan bersih berdasarkan sisa jangka waktu kontrak
Kategori Portofolio Net Billing Disclosures Based on Remaining Contract Period
No.
Portfolio Category
≤ 1 tahun > 1 thn s.d. 3 thn > 3 thn s.d. 5 thn > 5 thn
year > 1 yrs to 3 yrs > 3 yrs to 5 yrs > 5 yrs
(1) (2) (3) (4) (5) (6)
1 Tagihan kepada Pemerintah 199.971 - - 2.592.871
Claims on Sovereign
2 Tagihan kepada Entitas Sektor Publik - - - -
Claims on Public Sector/Entity
3 Tagihan kepada Bank Pembangunan - - - -
Multilateral dan Lembaga Internasional
Claims on Multilateral
Development Banks and International
Institutions
4 Tagihan kepada Bank 1.200.000 - - -
Claims on Banks
5 Tagihan berupa Covered Bond - - - -
Covered Bond Claims
6 Tagihan kepada Perusahaan Efek dan - - - -
Lembaga Jasa Keuangan Lainnya
Claims to Securities Companies and
Other Financial Services Institutions
7 Tagihan berupa Surat Berharga/Piutang - - - -
Subordinasi, Ekuitas, dan Instrumen
Modal Lainnya
Claims in the form of Securities/
Subordinated Receivables, Equity and
Other Capital Instruments
8 Kredit Beragun Properti Rumah Tinggal - - - -
Residential Property Secured Loans
9 Kredit Beragun Properti Komersial - - - -
Commercial Property Secured Loans
10 Kredit untuk Pengadaan Tanah, - - - -
Pengolahan Tanah, dan Konstruksi
Land Acquisition, Land Processing and
Construction Loans
11 Kredit Pegawai/Pensiunan - - - -
Employee Loan/Pension
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 251
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 249
31 Desember 2022
December 31, 2022
Tagihan bersih berdasarkan sisa jangka waktu kontrak
Net Billing Disclosures Based on Remaining Contract Period
> 3 thn s.d.
> 1 thn s.d.
Non- ≤ 1 tahun 5 thn > 5 thn Non-
Total 3 thn Total
Contractual year > 3 yrs to 5 > 5 yrs Contractual
> 1 yrs to 3 yrs
yrs
(7) (8) (9) (10) (11) (12) (13) (14)
233.442 3.026.284 -
- - -
- - -
216.321 1.416.321 -
- - -
- - -
- -
- -
- -
- -
- - -
2023 Annual Report & Sustainability Report
Page 252
250 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
31 Desember 2023
December 31, 2023
Tagihan bersih berdasarkan sisa jangka waktu kontrak
Kategori Portofolio Net Billing Disclosures Based on Remaining Contract Period
No.
Portfolio Category
≤ 1 tahun > 1 thn s.d. 3 thn > 3 thn s.d. 5 thn > 5 thn
year > 1 yrs to 3 yrs > 3 yrs to 5 yrs > 5 yrs
(1) (2) (3) (4) (5) (6)
12 Tagihan kepada Usaha Mikro, Usaha 420.498 137 108 -
Kecil, dan Portofolio Ritel/Tagihan
Kepada Usaha Mikro, Usaha Kecil dan
Portofolio Ritel
Claims on Micro and Small/Enterprise
and Retail Portfolio
13 Tagihan kepada Korporasi 250.000 1.499.481 3.307.455 1.877.178
Claims on Corporate
14 Tagihan yang Telah Jatuh Tempo 30.852 - - -
Past Due Claims
15 Aset Lainnya - - - -
Other Assets
Total 2.101.320 1.499.618 3.307.563 4.470.049
CRB : Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank Secara Individu
CRB: Disclosure of Receivables and Provisions by Region - Bank Individually
31 Desember 2023
December 31, 2023
Keterangan
No. Wilayah
Description
Region
Jakarta Bandung Surabaya Semarang Medan Makassar
(1) (2) (3) (4) (5) (6) (7) (8)
1 Tagihan 11.823.358 - - - - -
Claims
2 Tagihan yang mengalami penurunan nilai 30.852 - - - - -
Impairment losses/on Receivables
a. Belum jatuh tempo - - - - - -
Current
b. Telah jatuh tempo 30.852 - - - - -
Due date
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 253
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 251
31 Desember 2022
December 31, 2022
Tagihan bersih berdasarkan sisa jangka waktu kontrak
Net Billing Disclosures Based on Remaining Contract Period
> 3 thn s.d.
> 1 thn s.d.
Non- ≤ 1 tahun 5 thn > 5 thn Non-
Total 3 thn Total
Contractual year > 3 yrs to 5 > 5 yrs Contractual
> 1 yrs to 3 yrs
yrs
(7) (8) (9) (10) (11) (12) (13) (14)
- 420.742 - - - - - -
- 6.934.114 - - - - - -
- 30.852 - - - - - -
318.958 318.958 - - - - - -
768.721 12.147.270 - - - - - -
31 Desember 2023 (ID Pelapor)
December 31, 2023 (Reporter ID)
Wilayah
Region
Banjarmasin Total Jakarta Bandung Surabaya Semarang Medan Makassar Banjarmasin Total
(9) (10) (11) (12) (13) (14) (15) (16) (17) (18)
- 11.823.358 - - - - - - - -
- 30.852 - - - - - - - -
- - - - - - - - - -
- 30.852 - - - - - - - -
2023 Annual Report & Sustainability Report
Page 254
252 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
31 Desember 2023
December 31, 2023
Keterangan
No. Wilayah
Description
Region
Jakarta Bandung Surabaya Semarang Medan Makassar
(1) (2) (3) (4) (5) (6) (7) (8)
3 Cadangan kerugian penurunan nilai (CKPN) - Stage 1 55.033 - - - - -
Reserve for impairment losses (CKPN) - Stage 1
4 Cadangan kerugian penurunan nilai (CKPN) - Stage 2 4.834 - - - - -
Reserve for impairment losses (CKPN) - Stage 2
5 Cadangan kerugian penurunan nilai (CKPN) - Stage 3 2.330 - - - - -
Reserve for impairment losses (CKPN) - Stage 3
6 Tagihan yang dihapus buku 35.191 - - - - -
Write-off
CRB : Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank Secara Individu
Billing Disclosure and Reservation Based on Economic Sector - Individual Banks
31 Desember 2022
December 31, 2022
Tagihan yang Mengalami
Penurunan Nilai Cadangan Cadangan Cadangan
Sektor Ekonomi Impairment losses Kerugian Kerugian Kerugian
No.
Economic Sector on Receivables Penurunan Penurunan Penurunan
Tagihan
Nilai (CKPN) - Nilai (CKPN) - Nilai (CKPN) -
Claims
Stage 1 Stage 2 Stage 3
Belum Jatuh Telah Jatuh Allowance for Allowance for Allowance for
Tempo Tempo Impairment Impairment Impairment
Current Due date
(1) (2) (3) (4) (5) (6) (7) (8)
1 Pertanian, Kehutanan 460.915 - - 1.835 - -
Dan Perikanan
Agriculture, Forestry
and Fisheries
2 Pertambangan Dan 477.058 - - 1.873 - -
Penggalian
Mining and excavation
3 Industri Pengolahan 1.449.000 - - 9.998 - -
Manufacturing
4 Pengadaan Listrik, Gas, 37.238 - - 227 - -
Uap Air Panas,Udara
Dingin
Procurement of
Electricity, Gas, Steam
Hot Water, Cold Air
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 255
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 253
31 Desember 2023 (ID Pelapor)
December 31, 2023 (Reporter ID)
Wilayah
Region
Banjarmasin Total Jakarta Bandung Surabaya Semarang Medan Makassar Banjarmasin Total
(9) (10) (11) (12) (13) (14) (15) (16) (17) (18)
- 55.033 - - - - - - - -
- 4.834 - - - - - - - -
- 2.330 - - - - - - - -
- 35.191 - - - - - - - -
Tagihan yang Mengalami
Penurunan Nilai Cadangan Cadangan Cadangan
Impairment losses Kerugian Kerugian Kerugian
Tagihan yang on Receivables Penurunan Penurunan Penurunan Tagihan yang
Tagihan
Dihapus Buku Nilai (CKPN) - Nilai (CKPN) - Nilai (CKPN) - Dihapus Buku
Claims
Write-off Stage 1 Stage 2 Stage 3 Write-off
Belum Jatuh Telah Jatuh Allowance for Allowance for Allowance for
Tempo Tempo Impairment Impairment Impairment
Current Due date
(9) (10) (11) (12) (13) (14) (15) (16)
-
-
-
- - - - - - - -
2023 Annual Report & Sustainability Report
Page 256
254 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
31 Desember 2022
December 31, 2022
Tagihan yang Mengalami
Penurunan Nilai Cadangan Cadangan Cadangan
Sektor Ekonomi Impairment losses Kerugian Kerugian Kerugian
No.
Economic Sector on Receivables Penurunan Penurunan Penurunan
Tagihan
Nilai (CKPN) - Nilai (CKPN) - Nilai (CKPN) -
Claims
Stage 1 Stage 2 Stage 3
Belum Jatuh Telah Jatuh Allowance for Allowance for Allowance for
Tempo Tempo Impairment Impairment Impairment
Current Due date
(1) (2) (3) (4) (5) (6) (7) (8)
5 Pengelola Air, Limbah, - - - - - -
Daur Ulang Sampah
Water, Waste, Waste
Recycling Management
6 Konstruksi - - - - - -
Construction
7 Perdagangan, - - - - - -
Reparasi,Rawat Mobil
& Motor
Trading, Repair,
Car & Motorcycle
Maintenance
8 Pengangkutan Dan - - - - - -
Pergudangan
Transportation and
Warehousing
9 Penyediaan Akomodasi, - - - - - -
Makan Dan Minum
Accommodation, food
and drink
10 Informasi Dan 4.200.265 - - 33.422 - -
Komunikasi
Information and
Communication
11 Aktivitas Keuangan Dan 59.639 - - 417 - -
Asuransi
Information and
Communication
12 Real Estat - - - - - -
Real Estate
13 Aktivitas Profesional, - - - - - -
Ilmiah Dan Teknis
Professional, Scientific
And Technical Activities
14 Penyewaan, Tenaga
Kerja, Agen Perjalanan
Rentals, Labor, Travel
Agents
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 257
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 255
Tagihan yang Mengalami
Penurunan Nilai Cadangan Cadangan Cadangan
Impairment losses Kerugian Kerugian Kerugian
Tagihan yang on Receivables Penurunan Penurunan Penurunan Tagihan yang
Tagihan
Dihapus Buku Nilai (CKPN) - Nilai (CKPN) - Nilai (CKPN) - Dihapus Buku
Claims
Write-off Stage 1 Stage 2 Stage 3 Write-off
Belum Jatuh Telah Jatuh Allowance for Allowance for Allowance for
Tempo Tempo Impairment Impairment Impairment
Current Due date
(9) (10) (11) (12) (13) (14) (15) (16)
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- -
2023 Annual Report & Sustainability Report
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256 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
31 Desember 2022
December 31, 2022
Tagihan yang Mengalami
Penurunan Nilai Cadangan Cadangan Cadangan
Sektor Ekonomi Impairment losses Kerugian Kerugian Kerugian
No.
Economic Sector on Receivables Penurunan Penurunan Penurunan
Tagihan
Nilai (CKPN) - Nilai (CKPN) - Nilai (CKPN) -
Claims
Stage 1 Stage 2 Stage 3
Belum Jatuh Telah Jatuh Allowance for Allowance for Allowance for
Tempo Tempo Impairment Impairment Impairment
Current Due date
(1) (2) (3) (4) (5) (6) (7) (8)
15 Admin Pemerintahan, - - - - - -
Pertahanan, Jam-Sos
Government Admin,
Defense, Social Security
16 Pendidikan
Education
17 Aktivitas Kesehatan - - - - - -
Manusia Dan Sosial
Human Health And
Social Activities
18 Kesenian, Hiburan Dan 250.000 - - 2.473 - -
Rekreasi
Arts, Entertainment and
Recreation
19 Aktivitas Jasa Lainnya - - - - - -
Other Service Activities
20 Aktivitas Rt Pemberi - - - - - -
Kerja,Barang-Jasa
Employer Household
Activities, Goods and
Services
21 Aktivitas Bdn
Internasional,Ekstra Lain
International Agency
Activities, Other Extras
22 Rumah Tangga 420.742 - 30.852 4.788 4.834 2.330
Household
23 Bukan Lapangan Usaha - - - - - -
Lainnya
Non-Business Fields
24 Lainnya - - - - - -
Others
Total 7.354.856 - 30.852 55.033 4.834 2.330
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Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 257
Tagihan yang Mengalami
Penurunan Nilai Cadangan Cadangan Cadangan
Impairment losses Kerugian Kerugian Kerugian
Tagihan yang on Receivables Penurunan Penurunan Penurunan Tagihan yang
Tagihan
Dihapus Buku Nilai (CKPN) - Nilai (CKPN) - Nilai (CKPN) - Dihapus Buku
Claims
Write-off Stage 1 Stage 2 Stage 3 Write-off
Belum Jatuh Telah Jatuh Allowance for Allowance for Allowance for
Tempo Tempo Impairment Impairment Impairment
Current Due date
(9) (10) (11) (12) (13) (14) (15) (16)
- -
- -
- -
- -
- -
- -
- -
35.191 -
-
-
35.191 -
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2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
CRB : Pengungkapan Tagihan Berdasarkan Hari Tunggakan - Bank Secara Individu
CRB: Disclosure of Bills Based on Days of Overdue - Individual Banks
31 Desember 2022 31 Desember 2022
December 31, 2022 December 31, 2022
Tagihan Berdasarkan Hari Tunggakan Tagihan Berdasarkan Hari Tunggakan
Claims Based on Days Overdue Claims Based on Days Overdue
Jenis Eksposur
No.
Types of Exposure >90 hari >120 >90 hari >120
s.d. 120 hari s.d. >180 s.d. 120 hari s.d. >180
hari 180 hari hari hari 180 hari hari
Total Total
>90 >120 >180 >90 >120 >180
days to days to days days to days to days
120 days 180 days 120 days 180 days
a b c d e f g h i j
1 Kredit yang termasuk dalam Tagihan 24.851 6.000 - 30.852
yang Telah Jatuh Tempo
Loans included in Past Due Claims
2 Surat Berharga yang termasuk dalam - - - -
Tagihan yang Telah Jatuh Tempo
Securities included in Past Due
Claims
Total 24.851 6.000 - 30.852
Laporan Tahunan & Laporan Keberlanjutan 2023
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 259
Risiko Kredit
Credit Risk
CRB-A : Pengungkapan Tambahan terkait Perlakuan terhadap Aset Bermasalah
CRB-A: Additional Disclosures Regarding Treatment of Non-Performing Assets
Non Performing
Tagihan yang Tidak Mengalami
Penurunan Nilai
Performing Tagihan yang Claims That Are Not Impaired in Value
(Kualitas L dan DPK) Mengalami
Performing Penurunan Nilai
Impairment losses Memiliki Tunggakan Memiliki Tunggakan
on Receivables >90 Hari <90 Hari
Have >90 Days in Have >90 Days in
Arrears Arrears
Nilai Nilai Nilai Nilai
Tercatat Tercatat Tercatat Tercatat
Bruto Bruto Bruto Bruto
CKPN CKPN CKPN CKPN
Gross Gross Gross Gross
Carrying Carrying Carrying Carrying
Amount Amount Amount Amount
a b c d e f g h
1 Surat Berharga 2.533.383 - - - - - - -
Securities
2 Kredit 7.379.707 59.868 6.000 2.330 - - - -
Loans
a. Korporasi 6.934.114 50.246 - - - - - -
Corporate
b. Ritel 445.593 9.622 6.000 2.330 - - - -
Retail
3 Transaksi Rekening Administratif - - - - - - - -
Administrative Account
Transactions
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2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
CRB-A: Pengungkapan Aset Restrukturisasi Performing dan Non-Performing
CRB-A: Disclosure of Performing and Non-Performing Restructuring Assets
Performing Non Performing
(Kualitas L dan DPK)/ (Kualitas KL, D, M)
Stage 1 Stage 2 Stage 3
Performing Non Performing
(L and DPK Quality) (KL, D, M quality)
Nilai Nilai Nilai Nilai Nilai
Tercatat Tercatat Tercatat Tercatat Tercatat
Bruto Bruto Bruto Bruto Bruto
CKPN CKPN CKPN CKPN CKPN
Gross Gross Gross Gross Gross
Carrying Carrying Carrying Carrying Carrying
Amount Amount Amount Amount Amount
a b c d e f g h i j
1 Surat 2.533.383 - - - - - - - - -
Berharga
Securities
2 Kredit 7.379.707 59.868 6.000 2.330 7.354.856 55.033 24.851 4.834 6.000 2.330
Loans
a. Korporasi 6.934.114 50.246 - - 6.934.114 50.246 - - - -
Corporate
b. Ritel 445.593 9.622 6.000 2.330 420.742 4.788 24.851 4.834 6.000 2.330
Retail
3 Transaksi - - - - - - - - - -
Rekening
Administratif
Administrative
Account
Transactions
Laporan Tahunan & Laporan Keberlanjutan 2023
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Analisis dan Pembahasan Manajemen
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Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 261
CRC: Pengungkapan Kualitatif terkait Teknik MRK
CRC: Qualitative Disclosures related to MRK Techniques
Pengungkapan Kuantitatif terkait Teknik MRK (CR3)
Quantitative Disclosures related to MRK Techniques (CR3)
Bank secara Individu (dalam jutaan rupiah)
(in million rupiah)
Bank Individually
Tagihan yang
Dijamin dengan
Tagihan yang Tidak Tagihan yang
Tagihan yang Garansi, Tagihan yang
Dijamin dengan Dijamin dengan
Dijamin dengan Penjaminan dan/ Dijamin dengan
Teknik MRK Teknik MRK
Agunan atau Asuransi Kredit Derivatif Kredit
Tagihan yang Tidak Claims Guaranteed
Claims Secured by Claims Secured Claims Secured by
Dijamin dengan with MRK
Collateral by Guarantee, Credit Derivatives
Teknik MRK Techniques
Guarantee and/or
Credit Insurance
a b c d e
1 Kredit 7.371.375 - 6.934.222 -
Loans
2 Surat Berharga 2.533.383 - - -
Securities
3 Total 9.904.758 - 6.934.222 -
4 Kredit dan 30.852 - - -
Surat Berharga
yang Telah
Jatuh Tempo
Maturity Loans
and Securities
2023 Annual Report & Sustainability Report
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2023 Performance
Laporan Manajemen
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Profil Perusahaan
Company Profile
CRD: Pengungkapan Penggunakan Peringkat Kredit Eksternal
CRD: Disclosure of Use of External Credit Ratings
Pengungkapan Eksposur Risiko Kredit dan Dampak Teknik MRK (CR4)
Disclosure of Credit Risk Exposure and Impact of MRK Techniques (CR4)
Bank Secara Individu (dalam jutaan rupiah)
(in million rupiah)
Bank Individually
Tagihan Bersih Sebelum Tagihan Bersih Setelah
Penerapan FKK dan penerapan FKK dan ATMR dan Rata-Rata
Teknik MRK Teknik MRK Bobot Risiko
Net Claims Before Net Claims After ATMR and Average Risk
Implementation of FKK implementing FKK and Weight
and MRK Techniques MRK Techniques
Kategori Portfolio Rata-Rata
Laporan Laporan
Portfolio Category Bobot
Posisi Posisi
Risiko
Keuangan Keuangan
TRA TRA ATMR Average
Financial Financial
Weight
Position Position
Risk
Statement Statement
(e/(c+d)
a b c d e f
1 Tagihan kepada Pemerintah 3.182.839 - 3.182.839 - - 0,0%
Claims on Sovereign
2 Tagihan kepada Entitas Sektor Publik - - - - - -
Claims on Public Sector Entity
3 Tagihan kepada Bank Pembangunan Multilateral - - - - - -
dan Lembaga Internasional
Claims on Multilateral Development
Banks and International Institutions
4 Tagihan kepada Bank 1.416.321 - 1.416.321 - 283.383 20,0%
Claims on Banks
Tagihan kepada Perusahaan Efek dan Lembaga - - - - - -
Jasa Keuangan Lain
Claims to Securities Companies and Other
Financial Services Institutions
5 Tagihan berupa Covered Bond - - - - - -
Covered Bond Claims
6 Tagihan kepada Korporasi - Eksposur Korporasi 6.934.250 - 6.950.768 - 6.959.416 100,1%
Umum
Claims on Corporations - General Corporate
Exposure
Tagihan kepada perusahaan efek dan lembaga - - - -
jasa keuangan lain
Claims to securities companies and other financial
services institutions
Eksposur Pembiayaan Khusus - - - - - -
Special Financing Exposure
Laporan Tahunan & Laporan Keberlanjutan 2023
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Laporan Keberlanjutan
Sustainability Report 263
Tagihan Bersih Sebelum Tagihan Bersih Setelah
Penerapan FKK dan penerapan FKK dan ATMR dan Rata-Rata
Teknik MRK Teknik MRK Bobot Risiko
Net Claims Before Net Claims After ATMR and Average Risk
Implementation of FKK implementing FKK and Weight
and MRK Techniques MRK Techniques
Kategori Portfolio Rata-Rata
Laporan Laporan
Portfolio Category Bobot
Posisi Posisi
Risiko
Keuangan Keuangan
TRA TRA ATMR Average
Financial Financial
Weight
Position Position
Risk
Statement Statement
(e/(c+d)
a b c d e f
7 Tagihan berupa Surat Berharga/Piutang - - - - - -
Subordinasi, Ekuitas, dan Instrumen Modal
Lainnya
Claims in the form of Securities/Subordinated
Receivables, Equity and Other Capital Instruments
8 Tagihan kepada Usaha Mikro, Usaha Kecil, dan 445.457 5.324 449.379 - 315.557 70,2%
Portofolio Ritel
Claims on Micro, Small, and Retail Portfolios
9 Kredit Beragun Properti - - - - - -
Loans Secured by Property
Kredit Beragun Properti Rumah Tinggal yang - - - - - -
Pembayarannya Tidak Bergantung Secara
Material pada Arus Kas Properti
Residential Property-Backaged Loans whose
Payments Are Not Materially Dependent on
Property Cash Flow
Kredit Beragun Properti Rumah Tinggal yang - - - - - -
Pembayarannya Bergantung Secara Material pada
Arus Kas Properti
Residential Property-Backaged Loans whose
Payments Depend Materially on the Property's
Cash Flows
Kredit Beragun Properti Komersial yang - - - - - -
Pembayarannya Tidak Bergantung Secara
Material pada Arus Kas Properti
Commercial Property-Backed Loans Where
Payments Are Not Materially Dependent on
Property Cash Flows
Kredit Beragun Properti Komersial yang - - - - - -
Pembayarannya Bergantung Secara Material pada
Arus Kas Properti
Commercial Property-Backed Loans Where
Payments Depend Materially on the Property's
Cash Flows
Kredit untuk Pengadaan Tanah, Pengolahan - - - - - -
Tanah, dan Konstruksi
Land Acquisition, Land Processing and
Construction Loans
2023 Annual Report & Sustainability Report
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2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Tagihan Bersih Sebelum Tagihan Bersih Setelah
Penerapan FKK dan penerapan FKK dan ATMR dan Rata-Rata
Teknik MRK Teknik MRK Bobot Risiko
Net Claims Before Net Claims After ATMR and Average Risk
Implementation of FKK implementing FKK and Weight
and MRK Techniques MRK Techniques
Kategori Portfolio Rata-Rata
Laporan Laporan
Portfolio Category Bobot
Posisi Posisi
Risiko
Keuangan Keuangan
TRA TRA ATMR Average
Financial Financial
Weight
Position Position
Risk
Statement Statement
(e/(c+d)
a b c d e f
10 Aset Lainnya 310.404 - 310.404 - 318.958 102,8%
Other Assets
11 Tagihan yang Telah Jatuh Tempo 6.000 - 6.000 - 28.163 469,3%
Past Due Claims
12 Kredit Pegawai Pensiun - - - - - -
Employee Loan
Pension
13 Total 12.295.271 5.324 12.315.711 - 7.905.478 64,2%
Pengungkapan Tambahan
Additional Disclosure
1. Dalam perhitungan CKPN Bank berpedoman pada PSAK 71 dimana Bank menggunakan faktor kuantitatif termasuk penentuan status
berdasarkan hari tunggakan dan informasi kualitatif lainnya yang bisa mengindikasikan telah terjadi peningkatan risiko kredit signifikan dan gagal
bayar (default)
2. Dalam pengenaan FKK, Bank berpedoman pada ketentuan Perhitungan ATMR untuk Risiko Kredit dengan Pendekatan Standar Bagi Bank Umum
3. Pengenaan MRK pada perhitungan Bank berasal dari Agunan yang menjadi faktor pengurang tagihan bersih pada Laporan Posisi Keuangan
1. In calculating CKPN, the Bank is guided by PSAK 71 where the Bank uses quantitative factors including determining status based on days of
arrears and other qualitative information which can indicate that there has been a significant increase in credit risk and default.
2. In imposing FKK, the Bank is guided by the provisions for calculating RWA for Credit Risk using the Standard Approach for Commercial Banks
3. The imposition of MRK in the Bank's calculations comes from Collateral which is a factor reducing net claims in the Statement of Financial
Position
Laporan Tahunan & Laporan Keberlanjutan 2023
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Analisis dan Pembahasan Manajemen
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Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 265
Pengungkapan Eksposur berdasarkan Kelas Aset dan Bobot Risiko (CR5)
Exposure Disclosure by Asset Class and Risk Weight (CR5)
Bank Secara Individu (dalam jutaan rupiah)
(in million rupiah)
Bank Individually
Tagihan Bersih Setelah
Kategori Portfolio Lainnya FKK dan Teknik MRK
0% 20% 50% 100% 150%
Portfolio Category Others Net Claims After FKK and
MRK Techniques
1 Tagihan Kepada Pemerintah 3.026.284 - - - - - 3.026.284
Claims on Sovereign
Tagihan Bersih Setelah
Kategori Portfolio Lainnya FKK dan Teknik MRK
20% 50% 100% 150%
Portfolio Category Others Net Claims After FKK and
MRK Techniques
2 Tagihan kepada Entitas Sektor Publik - - - - - -
Claims on Public Sector Entity
Tagihan Bersih Setelah
Kategori Portfolio Lainnya FKK dan Teknik MRK
0% 20% 30% 50% 100% 150%
Portfolio Category Others Net Claims After FKK and
MRK Techniques
3 Tagihan kepada Bank Pembangunan - - - - - - - -
Multilateral dan Lembaga
Internasional
Claims on Public Sector Entity
Tagihan Bersih Setelah
Kategori Portfolio Lainnya FKK dan Teknik MRK
20% 30% 40% 50% 75% 100% 150%
Portfolio Category Others Net Claims After FKK
and MRK Techniques
4 Tagihan kepada Bank 1.416.915 - - - - - - - 1.416.321
Claims on Banks
Tagihan kepada Perusahaan Efek - - - - - - - - -
dan Lembaga Jasa Keuangan Lain
Claims to Securities Companies and
Other Financial Services Institutions
2023 Annual Report & Sustainability Report
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2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Tagihan Bersih Setelah
Kategori Portfolio Lainnya FKK dan Teknik MRK
10% 15% 20% 25% 35% 50% 100%
Portfolio Category Others Net Claims After FKK and
MRK Techniques
5 Tagihan berupa Covered Bond - - - - - - - - -
Covered Bond Claims
Tagihan
Bersih Setelah
FKK dan
Kategori Portfolio Lainnya Teknik MRK
20% 50% 65% 75% 80% 85% 100% 130% 150%
Portfolio Category Others Net Claims
After FKK
and MRK
Techniques
6 Tagihan kepada - - - - - - 6.959.416 - - - 6.959.416
Korporasi Umum
Claims on General
Corporations
Tagihan kepada - - - - - - - - -
Perusahaan efek
dan lembaga jasa
keuangan lain
Claims to Securities
Companies and
Other Financial
Services Institutions
Eksposur - - - - - - - - -
Pembiayaan Khusus
Special Financing
Exposure
Laporan Tahunan & Laporan Keberlanjutan 2023
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 267
Tagihan Bersih Setelah
Kategori Portfolio Lainnya FKK dan Teknik MRK
75% 100% 150% 250% 400%
Portfolio Category Others Net Claims After FKK and
MRK Techniques
7 Tagihan berupa Surat Berharga/ - - - - - - -
Piutang Subordinasi, Ekuitas, dan
Instrumen Modal Lainnya
Claims in the form of Securities/
Subordinated Receivables, Equity
and Other Capital Instruments
Tagihan Bersih
Setelah FKK
dan Teknik
Kategori Portfolio Lainnya MRK
45% 67,5% 75% 85% 100% 112,5% 150%
Portfolio Category Others Net Claims
After FKK
and MRK
Techniques
8 Tagihan kepada Usaha Mikro, Usaha - - 420.743 - - - - - 449.379
Kecil, dan Portofolio Ritel
Claims on Micro Businesses, Small
Businesses, and Retail Portfolios
2023 Annual Report & Sustainability Report
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2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Kategori Portfolio
0% 20% 25% 30% 35% 40% 45% 50% 60% 65%
Portfolio Category
9 Kredit Beragun Properti
Property Mortgage Loans
Kredit Beragun Properti Rumah - - - - - - - - - -
Tinggal yang Pembayarannya Tidak
Bergantung Secara Material pada
Arus Kas Properti
Residential Property-Backaged
Loans whose Payments Are Not
Materially Dependent on Property
Cash Flow
tanpa pendekatan pembagian - - - - - - - - - -
kredit
without a loan sharing
approach
dengan menggunakan -
pendekatan pembagian kredit
(dijamin)
using a loan sharing approach
(guaranteed)
dengan menggunakan - - - - - -
pendekatan pembagian kredit
(dijamin)
using a loan sharing approach
(guaranteed)
Kredit Beragun Properti Rumah - - - -
Tinggal yang Pembayarannya
Bergantung Secara Material pada
Arus Kas Properti
Residential Property-Backaged
Loans whose Payments Depend
Materially on the Property’s Cash
Flows
Kredit Beragun Properti Komersial - - - - - - -
yang Pembayarannya Tidak
Bergantung Secara Material pada
Arus Kas Properti
Commercial Property-Backed Loans
Whose Payments Are Not Materially
Dependent on Property Cash Flows
tanpa pendekatan pembagian - - - - - -
kredit
without credit sharing approach
dengan menggunakan -
pendekatan pembagian kredit
(dijamin)
using the credit sharing
approach (guaranteed)
Laporan Tahunan & Laporan Keberlanjutan 2023
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 269
Tagihan Bersih
Setelah FKK
Lainnya dan Teknik MRK
70% 75% 85% 90% 100% 105% 110% 150%
Others Net Claims After
FKK and MRK
Techniques
-
- - - - - - - - -
- - - - - - - - -
- -
- - - - - -
- - - - -
- - - - - -
- -
- -
2023 Annual Report & Sustainability Report
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Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Kategori Portfolio
0% 20% 25% 30% 35% 40% 45% 50% 60% 65%
Portfolio Category
dengan menggunakan - - - - - -
pendekatan pembagian kredit
(dijamin)
using the credit sharing
approach (guaranteed)
Kredit Beragun Properti Komersial
yang Pembayarannya Bergantung
Secara Material pada Arus Kas
Properti
Commercial Property-Backed Loans
Whose Payments Depend Materially
on the Property’s Cash Flows
Kredit untuk Pengadaan Tanah,
Pengolahan Tanah, dan Konstruksi
Land Acquisition, Land Processing
and Construction Loans
Tagihan Bersih Setelah
Kategori Portfolio Lainnya FKK dan Teknik MRK
50% 100% 150%
Portfolio Category Others Net Claims After FKK
and MRK Techniques
10 Tagihan yang telah jatuh tempo - 14.735 8.952 - 23.687
Past Due Claims
Tagihan Bersih Setelah
Kategori Portfolio Lainnya FKK dan Teknik MRK
0% 20% 100% 150% 1250%
Portfolio Category Others Net Claims After FKK
and MRK Techniques
11 Aset Lainnya 310.404 - - - - - 310.404
Other Assets
Tagihan Bersih Setelah
Kategori Portfolio Lainnya FKK dan Teknik MRK
50% 100% 150%
Portfolio Category Others Net Claims After FKK
and MRK Techniques
12 Kredit Pegawai Pensiun - - - - -
Employee Loan/Pension
Laporan Tahunan & Laporan Keberlanjutan 2023
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Analisis dan Pembahasan Manajemen
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Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 271
Tagihan Bersih
Setelah FKK
Lainnya dan Teknik MRK
70% 75% 85% 90% 100% 105% 110% 150%
Others Net Claims After
FKK and MRK
Techniques
- - - - - -
- - - - - -
- - - -
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Management Report
Profil Perusahaan
Company Profile
Tagihan Bersih (Setelah
Tagihan Bersih
Tagihan Bersih Laporan pengenaan FKK dan
TRA (sebelum
Bobot Risiko Posisi Keuangan Rata-Rata FKK Teknik MRK
No pengenaan FKK)
Weight Risk Net Claims Statement of Average FKK Net Claims
TRA Net Claims (before
Financial Position (After imposition of FKK
imposition of FKK)
and MRK Technique
1 <40% 4.599.160 - - 4.599.160
2 40%-70% - - - -
3 75% 445.457 5.324 - 449.379
4 80% - - - -
5 85% - - - -
6 90%-100% 7.244.654 - - 7.261.172
7 105%-130% - - - -
8 150% - - - -
9 250% - - - -
10 400% 6.000 - - 6.000
11 1250% - - - -
12 Total Tagihan Bersih 12.295.271 5.324 0,0% 12.315.711
Total Net Claims
Pengungkapan Tambahan
1. Dalam perhitungan CKPN Bank berpedoman pada PSAK 71 dimana Bank menggunakan faktor kuantitatif termasuk penentuan status berdasarkan
hari tunggakan dan informasi kualitatif lainnya yang bisa mengindikasikan telah terjadi peningkatan risiko kredit signifikan dan gagal bayar (default)
2. Dalam pengenaan FKK, Bank berpedoman pada ketentuan Perhitungan ATMR untuk Risiko Kredit dengan Pendekatan Standar Bagi Bank Umum
3. Pengenaan MRK pada perhitungan Bank berasal dari Agunan yang menjadi faktor pengurang tagihan bersih pada Laporan Posisi Keuangan
1. In calculating CKPN, the Bank is guided by PSAK 71, where the Bank uses quantitative factors including determining status based on days of arrears
and other qualitative information which could indicate that there has been a significant increase in credit risk and default.
2. In imposing FKK, the Bank is guided by the provisions for calculating RWA for Credit Risk using the Standard Approach for Commercial Banks
3. The imposition of MRK in the Bank’s calculations comes from Collateral which is a factor reducing net claims in the Statement of Financial Position
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Risiko Kredit
Credit Risk
Tabel 21 : Pengungkapan Kualitatif Mengenai Counterparty Credit Risk
Table 21: Qualitative Disclosures Regarding Counterparty Credit Risk
Eksposur Risiko Kredit akibat Kegagalan Pihak lawan (Counterparty Credit Risk Exposure due to Counterparty Credit Risk currently
Credit Risk) saat ini terdiri dari Reverse Repo Pemerintah dan consists of Government Reverse Repo and Derivative Transactions
Transaksi Derivatif yang berasal dari Kategori Portofolio Tagihan originating from the Portfolio Category of Receivables from Banks
Kepada Bank dan Tagihan kepada Korporasi. and Claims from Corporations.
Bank melakukan pengelolaan risiko ini secara komprehensif The Bank carries out comprehensive risk management, one of which
salah satunya dengan melakukan pemantauan pada ekposur is by monitoring Counterparty Credit Risk exposure every month,
Counterparty Credit Risk setiap bulannya termasuk pengukuran including measuring the Potential Future Exposure (PFE) value and
nilai Potential Future Exposure (PFE) serta melakukan stress test carrying out stress tests on the Credit Valuation Adjustment (CVA)
terhadap Credit Valuation Adjustment (CVA) setidaknya satu kali at least once a year which is reported to the Regulator.”
dalam setahun yang dilaporkan ke Regulator.
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Tabel 22 : Analisis Eksposur Counterparty Credit Risk (dalam jutaan rupiah)
(in million rupiah)
Table 22: Counterparty Credit Risk Exposure Analysis
31 Desember 2023
December 31, 2023
Alpha
digunakan
untuk
perhitungan
Potential
regulatory Tagihan
Replacement future
EEPE EAD Bersih ATMR
cost (RC) exposure
Alpha is Net Claims
(PFE)
used for
regulatory
EAD
calculations
1 SA-CCR (untuk derivatif) - - - -
SA-CCR (for derivatives)
2 Metode Internal Model (untuk derivatif N/A N/A
dan SFT)
Internal Model Method (for derivatives
and SFT)
3 Pendekatan sederhana untuk mitigasi N/A N/A
risiko kredit (untuk SFT)
A simple approach to credit risk mitigation
(for SFT)
4 Pendekatan komprehensif untuk mitigasi - -
risiko kredit (untuk SFT)
Comprehensive approach to credit risk
mitigation (for SFT)
5 VaR untuk SFT N/A N/A
VaR for SFT
Total -
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Tabel 24 : Eksposur Counterparty Credit Risk Berdasarkan Kategori Portfolio dan Bobot Risiko (dalam jutaan rupiah)
(in million rupiah)
Table 24: Counterparty Credit Risk Exposure Based on Portfolio Category and Risk Weight
31 Desember 2023
December 31, 2023
Kategori Portofolio Total
Portfolio Category Tagihan
Lainnya
0% 10% 20% 50% 75% 100% 150% Bersih
Others
Total Net
Claims
Tagihan kepada 3.026.284 - - - - - - - 3.026.284
Pemerintah
Claims on Sovereign
Tagihan kepada Entitas - - - - - - - - -
Sektor Publik
Claims on Public Sector
Entity
Tagihan kepada - - - - - - - - -
Bank Pembangunan
Multilateral dan
Lembaga Internasional
Claims on Multilateral
Development Banks
and
International Institutions
Tagihan kepada Bank - - 1.416.915 - - - - - 1.416.915
Claims on Banks
Tagihan berupa - - - - - - - - -
Covered Bond
Covered Bond Claims
Tagihan kepada - - - - - - - - -
Perusahaan Efek
dan Lembaga Jasa
Keuangan Lainnya
Claims to Securities
Companies and Other
Financial Services
Institutions
Tagihan berupa Surat - - - - - - - - -
Berharga/ Piutang
Subordinasi, Ekuitas,
dan Instrumen Modal
Lainnya
Claims in the form
of Securities/
Subordinated
Receivables, Equity
and Other Capital
Instruments
Kredit Beragun Properti - - - - - - - - -
Rumah Tinggal
Residential Property
Secured Loans
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31 Desember 2023
December 31, 2023
Kategori Portofolio Total
Portfolio Category Tagihan
Lainnya
0% 10% 20% 50% 75% 100% 150% Bersih
Others
Total Net
Claims
Kredit Beragun Properti - - - - - - - - -
Komersial
Commercial Property
Mortgage Loans
Kredit untuk Pengadaan - - - - - - - - -
Tanah, Pengolahan
Tanah, dan Konstruksi
Land Acquisition,
Land Processing and
Construction Loans
Kredit Pegawai/ - - - - - - - - -
Pensiunan
Employee Loan/Pension
Tagihan kepada Usaha - - - - 420.743 - - - 420.743
Mikro, Usaha Kecil, dan
Portofolio Ritel
Claims on Micro
Businesses, Small
Businesses, and Retail
Portfolios
Tagihan kepada - - - - - 6.959.416 - - 6.959.416
Korporasi
Claims on Corporate
Tagihan yang Telah - - - - - 14.735 8.952 - 23.687
Jatuh Tempo
Past Due Claims
Aset Lainnya - - - - - - - - -
Other Assets
Total 3.026.284 - 1.416.915 - 420.743 6.974.151 8.952 - 11.847.045
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Risiko Kredit
Credit Risk
Tabel 25: Tagihan Bersih Derivatif Kredit
Table 25: Net Credit Derivatives Claims
Pada posisi Desember 2023, Bank tidak memiliki tagihan bersih As of December 2023, the Bank did not have net credit derivative
derivatif kredit baik untuk proteksi yang dibeli maupun proteksi claims for either purchased protection or sold protection.
yang dijual.
Risiko Kredit
Credit Risk
Tabel 26: Pengungkapan Kualitatif Mengenai Eksposur Sekuritisasi
Table 26: Qualitative Disclosures Regarding Securitization Exposures
Pa d a p o s i s i D e s e m b e r 2 0 2 3, B a n k t i d a k m e m i l i k i As of December 2023, the Bank did not have Securitization Exposure.
Eksposur Sekuritisasi.
Risiko Kredit
Credit Risk
Tabel 27: Eksposur Sekuritisasi pada Banking Book
Table 27: Securitization Exposure in Banking Book
Pada posisi 31 Desember 2023, Bank tidak memiliki eksposur As of December 31, 2023, the Bank did not have securitization
sekuritisasi pada Banking Book. exposure in the Banking Book.
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Risiko Kredit
Credit Risk
Tabel 28: Eksposur Sekuritisasi pada Trading Book
Table 28: Securitization Exposure in Trading Book
Pada posisi 31 Desember 2023, Bank tidak memiliki eksposur As of December 31, 2023, the Bank did not have securitization
sekuritisasi pada Banking Book. exposure in the Banking Book.
Definisi
Definition
(i) Ketika bank sebagai originator maka eksposur sekuritisasi berada pada posisi retained, meskipun tidak cocok untuk kerangka sekuritisasi yang
dikarenakan tidak adanya transfer risiko yang signifikan dan efektif (yang dapat dipresentasikan secara terpisah).
(i) When the bank acts as an originator, the securitization exposure is in a retained position, although it is not suitable for a securitization framework
due to the absence of significant and effective risk transfer (which can be presented separately).
(ii) Apabila bank sebagai sponsor eksposur sekuritisasi termasuk eksposur kepada commercial paper conduits dimana bank menyediakan programme-
wide enhancements, likuiditas dan fasilitas lainnya. Ketika bank sebagai originator dan sponsor, harus menghindari pencatatan ganda. Terkait hal
ini bank dapat menyatukan dua kolom "Bank sebagai originator" dan "Bank sebagai sponsor" dan menggunakan kolom "Bank sebagai originator
sponsor".
(ii) If the bank acts as a sponsor, securitization exposure includes exposure to commercial paper conduits, for which the bank provides program-wide
enhancements, liquidity and other facilities. When the bank is the originator and sponsor, the bank must avoid double listing. In this regard, the
bank can combine the two columns "Bank as originator" and "Bank as sponsor" and use the column "Bank as originator sponsor".
(iii) Eksposur sekuritisasi ketika bank bertindak sebagai investor adalah investasi yang dibeli perjanjian dengan pihak ketiga.
(iii) Securitization exposure when a bank acts as an investor is an investment purchased agreement with a third party.
Transaksi sintetis: jika bank telah membeli proteksi harus melaporkan jumlah eksposur bersih yang muncul pada kolom originator sponsor (jika
jumlahnya tidak diamankan). Jika bank telah menjual proteksi, nilai eksposur dari proteksi kredit harus dilaporkan pada kolom "investor".
Synthetic transactions: if the bank has purchased protection, the bank must report the net exposure amount that appears in the originator sponsor
column (if the amount is not secured). If the bank has sold protection, the exposure value of the credit protection must be reported in the "investor"
column.
Re-sekuritisasi: semua eksposur sekuritisasi terkait re-securitisation harus dilengkapi pada baris “re-sekuritisasi”, dan tidak pada baris sebelumnya
(dengan tipe underlying asset) yang mengandung eksposur sekuritisasi selain re-sekuritisasi.
Re-securitization: all securitization exposures related to re-securitization must be completed on the “re-securitization” line, and not on the previous
line (by underlying asset type) that contains securitization exposures other than re-securitization.
Risiko Kredit
Credit Risk
Tabel 29: Eksposur Sekuritisasi pada Banking Book dan terkait Persyaratan Modalnya - Bank Bertindak sebagai Originator atau Sponsor
Table 29: Securitization Exposure in the Banking Book and related Capital Requirements - Bank Acting as Originator or Sponsor
Pada posisi 31 Desember 2023, Bank tidak memiliki eksposur As of December 31, 2023, the Bank did not have securitization
sekuritisasi pada Banking Book dan terkait Persyaratan Modalnya exposure in the Banking Book and related Capital Requirements
- Bank Bertindak sebagai Originator atau Sponsor. - Bank Acts as Originator or Sponsor.
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Risiko Kredit
Credit Risk
Tabel 30: Eksposur Sekuritisasi pada Banking Book dan terkait Persyaratan Modalnya - Bank Bertindak sebagai Investor
Table 30: Securitization Exposure in the Banking Book and related Capital Requirements - The Bank Acts as Investor
Pada posisi 31 Desember 2023, Bank tidak memiliki eksposur As of 31 December 2023, the Bank did not have securitization
sekuritisasi pada Banking Book dan terkait Persyaratan Modalnya exposure in the Banking Book and related Capital Requirements
- Bank Bertindak sebagai Investor. - The Bank Acts as an Investor.
Tabel 15a : Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar (dalam jutaan rupiah)
Table 15a: Market Risk Disclosure Using Standard Method
31 Desember 2023 31 Desember 2022
December 31, 2023 December 31, 2022
Konsolidasi Konsolidasi
Bank Bank
Jenis Risiko Consoldiated Consoldiated
No.
Type of Risk
Beban Beban Beban Beban
Modal ATMR Modal ATMR Modal ATMR Modal ATMR
Capital RWA Capital RWA Capital RWA Capital RWA
Charges Charges Charges Charges
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Risiko Suku Bunga
Interest Risk
a. Risiko Spesifik - - - - - - - -
Specific Risk
b. Risiko Umum - - - - - - - -
General Risk
2 Risiko Nilai Tukar - - - - - - - -
Foreign Exchange Risk
3 Risiko Ekuitas *) - - - - - - - -
Equity Risk *)
4 Risiko Komoditas *) - - - - - - - -
Commodity Risk *)
5 Risiko Option - - - - - - - -
Option Risk
6 CVA - - -
Total - - - - - - - -
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Tabel 15b : Pengungkapan Risiko Pasar dengan Model Internal (Value at Risk)
Market Risk Disclosure with Internal Models (Value at Risk)
Pada posisi 31 Desember 2023 dan 31 Desember 2022, Perusahaan As of December 31, 2023 and December 31, 2022, the Company
tidak memiliki Risiko Pasar dengan Model Internal (Value at Risk) does not have Market Risk with an Internal Model (Value at Risk)
Tabel 15c : Laporan Penerapan Manajemen Risiko untuk Interest Rate Risk in Banking Book (IRRBB)
Table 15c: Risk Management Implementation Report for Interest Rate Risk in Banking Book (IRRBB)
LAPORAN PENERAPAN MANAJEMEN RISIKO UNTUK IRRBB
RISK MANAGEMENT IMPLEMENTATION REPORT FOR IRRBB
Analisis Kualitatif
Qualitative Analysis
1. Definisi IRRBB untuk Pengukuran dan Pengendalian Risiko Suku Bunga
Definition of IRRBB for Measuring and Controlling Interest Rate Risk
IRRBB merupakan risiko yang timbul akibat perubahan nilai suku bunga yang menyebabkan perubahan nilai kini (present value) dan penetapan
arus kas pada masa mendatang (timing of future cashflow) yang mempengaruhi nilai ekonomis (economic value) dari aset, liabilities, dan
transaksi rekening administratif Bank serta menyebabkan perubahan pada nilai pendapatan bunga bersih (net interest income). Karena efeknya
yang mempengaruhi nilai ekonomis maupun pendapatan, maka Bank perlu melakukan identifikasi risiko secara akurat serta perhitungan dan
pelaporan IRRBB kepada OJK sesuai dengan standar dan acuan yang diatur sehingga dapat melakukan tindak lanjut perbaikan yang sesuai.
IRRBB is a risk that arises due to changes in the value of interest rates which cause changes in present value and the determination of future
cash flows (timing of future cash flow) and affects the economic value of assets, liabilities and administrative account transactions of the Bank
as well as causing changes in the value of net interest income. Because the effects affect economic value and income, the Bank needs to
accurately identify risks and calculate and report IRRBB to the OJK in accordance with regulated standards and references so that they can
carry out appropriate corrective follow-up.
2. Strategi Manajemen Risiko dan Mitigasi Risiko untuk IRRBB
Risk Management and Risk Mitigation Strategy for IRRBB
Bank menyusun Strategi Manajemen Risiko serta Mitigasi Risiko dengan menetapkan tingkat Risiko yang akan diambil (risk appetite) dan toleransi
risiko (risk tolerance) yang sejalan dengan strategi bisnis Bank serta kebijakan dan prosedur untuk mengendalikan IRRBB. Bentuk kebijakan dan
prosedur memberikan gambaran mengenai delegasi kekuasaan, wewenang dan tanggung jawab untuk setiap jenjang jabatan maupun strategi
lindung nilai (hedging). Selain itu Bank perlu memperhatikan gap risk, basis risk, atau posisi tertentu dengan opsi yang melekat (embedded
options) dan opsi yang eksplisit (explicit options). Selanjutnya kebijakan dan prosedur Manajemen Risiko IRRBB akan dikaji ulang minimal 1 (satu)
kali dalam 1 (satu) tahun.
The Bank develops a Risk Management and Risk Mitigation Strategy by determining the level of risk to be taken (risk appetite) and risk tolerance
(risk tolerance) which is in line with the Bank's business strategy as well as policies and procedures to control IRRBB. The form of policies and
procedures provides an overview of the delegation of power, authority and responsibility for each level of position as well as hedging strategies.
In addition, the Bank needs to pay attention to gap risk, basis risk, or certain positions with embedded options and explicit options. Furthermore,
the IRRBB Risk Management policies and procedures will be reviewed at least 1 (one) time in 1 (one) year.
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LAPORAN PENERAPAN MANAJEMEN RISIKO UNTUK IRRBB
RISK MANAGEMENT IMPLEMENTATION REPORT FOR IRRBB
3. Periodisasi Perhitungan IRRBB dan Pengukuran Spesifik yang Digunakan Bank untuk Mengukur Sensitivitas terhadap IRRBB
IRRBB Calculation Periodization and Specific Measurements Used by the Bank to Measure Sensitivity to IRRBB
Berdasarkan aturan dari regulator, Bank melakukan perhitungan IRRBB setiap 3 (tiga) bulan sekali sesuai dengan periode pelaporan Profil
Risiko Pasar dan pelaporan Tingkat Kesehatan Bank. Namun, Bank tetap melakukan perhitungan IRRBB secara bulanan sebagai bentuk
pengendalian risiko.
Pengukuran spesifik digunakan untuk instrumen aset maupun liabilitas yang memiliki sifat behavioural seperti Credit Prepayment Rate (CPR)
pada eksposur Kredit, Term Deposit Redemption Ratio (TDRR) pada eksposur Deposito, dan sifat behavioral Non Maturity Deposit (NMD)
pada eksposur Tabungan ataupun Giro dengan menggunakan data historis. Selain itu juga memperhitungkan proyeksi cashflow pembayaran
angsuran bulanan untuk instrumen Kredit dengan jenis suku bunga tetap (fixed rate) sedangkan untuk Kredit dengan jenis suku bunga
mengambang (floating rate) ditetapkan memiliki jangka waktu repricing pada 1 (satu) bulan.
Based on the rules of the regulator, the Bank calculates the IRRBB every 3 (three) months in accordance with the Market Risk Profile reporting
period and Bank Health Level reporting. However, the Bank continues to calculate the IRRBB on a monthly basis as a form of risk control.
Specific measurements are used for asset and liability instruments that have behavioral characteristics such as Credit Prepayment Rate (CPR)
on Credit exposures, Term Deposit Redemption Ratio (TDRR) on Deposit exposures, and the behavioral nature of Non Maturity Deposits (NMD)
on Savings or Current Account exposures using historical data. "In addition, the Bank also takes into account cash flow projections for monthly
installment payments for Credit instruments with a fixed interest rate, while for Credit with a floating interest rate, it is determined to have a
repricing period of 1 (one) month."
4. Skenario Shock Suku Bunga dan Skenario Stress yang Digunakan Bank dalam Perhitungan IRRBB dengan Menggunakan EVE dan NII
Interest Rate Shock Scenarios and Stress Scenarios Used by the Bank in Calculating IRRBB Using EVE and NII
Berdasarkan ketentuan regulator, Bank menerapkan 6 (enam) jenis skenario shock suku bunga untuk perhitungan ∆EVE, yaitu Parallel Up,
Parallel Down, Steepener, Flattener, Short Rates Up, dan Short Rates Down. Sedangkan untuk perhitungan ∆NII menggunakan 2 (dua) skenario
shock, yaitu Parallel Up dan Parallel Down.
Dalam proses scenario shock suku bunga, Bank menggunakan 2 (dua) jenis mata uang, yaitu mata uang Rupiah dan mata uang valuta asing
dengan menggunakan pendekatan mata uang US Dollar. Untuk skenario shock suku bunga dengan jenis Parallel, Bank menggunakan besaran
perubahan nilai suku bunga sebesar 400 bps untuk Rupiah dan 200 bps untuk US Dollar. Sedangkan dalam kondisi short menggunakan
besaran perubahan nilai suku bunga masing-masing 500 bps (Rupiah) dan 300 bps (US Dollar) serta untuk kondisi long menggunakan besaran
perubahan nilai suku bunga masing-masing 350 bps (Rupiah) dan 150 bps (US Dollar). Seluruh besaran tersebut mengikuti aturan dari regulator.
Based on regulatory provisions, the Bank applies 6 (six) types of interest rate shock scenarios for calculating ∆EVE, namely Parallel Up, Parallel
Down, Steepener, Flattener, Short Rates Up, and Short Rates Down. Meanwhile for calculating ∆NII uses 2 (two) ) shock scenarios, namely
Parallel Up and Parallel Down.
In the interest rate shock scenario process, the Bank uses 2 (two) types of currency, namely the Rupiah currency and foreign currency, namely
the US Dollar currency. For the Parallel type interest rate shock scenario, the Bank uses an interest rate change of 400 bps for the Rupiah and
200 bps for the US Dollar. Meanwhile, in the short condition, the Bank uses the amount of change in the value of the interest rate of 500 bps
(Rupiah) and 300 bps (US Dollar), respectively, while for the long condition, the Bank uses the amount of change in the value of the interest rate
of 350 bps (Rupiah) and 150 respectively. bps (US Dollars). All these amounts follow the rules of the regulator.
5. Asumsi Pemodelan yang Berdampak secara Signifikan dalam Perhitungan IRRBB, yang mana Asumsi tersebut Berbeda dari Perhitungan IRRBB
dengan Pendekatan Standar
Modeling Assumptions that Have a Significant Impact on IRRBB Calculations, Where These Assumptions Are Different from IRRBB Calculations
with the Standard Approach
Seluruh asumsi pemodelan yang dilakukan oleh Bank dalam perhitungan IRRBB telah sesuai dengan pendekatan standar maupun acuan yang
telah ditetapkan oleh Regulator. Sehingga untuk saat ini Bank tidak memiliki asumsi pemodelan khusus yang memiliki pendekatan yang berbeda
dari pendekatan standar.
All modeling assumptions made by the Bank in calculating the IRRBB adhere to the standard and reference approaches set by the Regulator.
Hence, the Bank currently does not have special modeling assumptions that have a different approach from the standard approach.
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LAPORAN PENERAPAN MANAJEMEN RISIKO UNTUK IRRBB
RISK MANAGEMENT IMPLEMENTATION REPORT FOR IRRBB
6. Lindung Nilai (hedging) terhadap IRRBB (apabila ada) dan Perlakuan Akuntansi terkait
Hedging against IRRBB (if any) and related Accounting Treatment
Saat ini Bank tidak melakukan tindakan lindung nilai (hedging)
Currently the Bank is not taking hedging actions against IRRBB." terhadap IRRBB.
7. Penjelasan Komprehensif mengenai Asumsi Utama Pemodelan dan Parametric yang Digunakan untuk Menghitung ∆EVE dan ∆NII:
Comprehensive Explanation of the Main Modeling and Parametric Assumptions Used to Calculate ∆EVE and ∆NII:
a. Credit Prepayment Rate (CPR)
Bank menentukan model Credit Prepayment Risk (CPR) berdasarkan data historis terpanjang yang dimiliki oleh Bank dengan periode data
dari 2008 – 2023. Penentuan rate CPR dilakukan dengan cara membandingkan plafond Kredit yang memiliki status pelunasan dipercepat
(Prepayment) dengan seluruh plafond kredit yang dimiliki pada data historis, baik yang berstatus pelunasan dipercepat, berstatus lunas
sesuai dengan tanggal jatuh tempo, maupun yang masih berstatus aktif. Selanjutnya diperoleh nilai rate CPR yang digunakan sebagai
asumsi awal adanya potensi Kredit yang pelunasannya akan dipercepat dalam perhitungan proyeksi cashflow IRRBB.
The Bank determines the Credit Prepayment Risk (CPR) model based on the longest historical data held by the Bank with a data period
from 2008 – 2023. The CPR rate is determined by comparing the credit ceilings that have accelerated repayment (Prepayment) status
with all the credit ceilings in the data. historical, either those with accelerated repayment status, those with full payment according to the
due date, or those still with active status. Afterwards, the CPR rate value is obtained and used as an initial assumption of potential credit
whose repayment will be accelerated in calculating the IRRBB cash flow projection.
b. Term Deposit Redemption Ratio (TDRR)
Bank menentukan model Term Deposit Redemption Ratio (TDRR) berdasarkan data historis terpanjang yang dimiliki oleh Bank dengan
periode data dari 2008 – 2023. Penentuan rate TDRR dilakukan dengan cara membandingkan outstanding Deposito yang memiliki
status pencairan dipercepat (Early Redemption) dengan seluruh outstanding Deposito yang dimiliki pada data historis, baik yang berstatus
pencairan dipercepat, berstatus pencairan sesuai dengan tanggal jatuh tempo, maupun yang masih berstatus aktif. Selanjutnya diperoleh
nilai rate TDRR yang digunakan sebagai asumsi awal adanya potensi Deposito yang pencairannya akan dipercepat dalam perhitungan
proyeksi cashflow IRRBB.
The Bank determines the Term Deposit Redemption Ratio (TDRR) model based on the longest historical data held by the Bank with a data
period from 2008 – 2023. The TDRR rate is determined by comparing outstanding deposits that have an accelerated disbursement status
(Early Redemption) with all outstanding deposits owned on historical data, both those with accelerated disbursement status, disbursement
status according to the due date, and those still with active status. Next, the TDRR rate value is obtained which is used as an initial
assumption of the potential for deposits whose disbursement will be accelerated in calculating the IRRBB cash flow projection.
c. Non-Maturity Deposit (NMD)
Bank membagi NMD menjadi 3 (tiga) berdasarkan aturan, yaitu Transaksional, Non-Transaksional, dan Korporasi (Wholesale). Dimana
pendekatan tersebut menggunakan asumsi simpanan stabil dan tidak stabil dari model perhitungan Liquidity Coverage ratio (LCR) untuk
menentukan nominal Transaksional dan Non-Transaksional. Kategori Transaksional diasumsikan sebagai simpanan stabil sedangkan
Kategori Non-Transaksional diasumsikan sebagai simpanan tidak stabil pada LCR. Untuk simpanan Korporasi (Wholesale) hanya dibedakan
berdasarkan bidang usaha nasabah.
Bank menentukan besarnya nilai core deposit untuk Tabungan dan Giro menggunakan data historis selama 10 (sepuluh) Tahun dari 2013 –
2023. Dimana asumsi core deposit yang digunakan adalah nilai nominal minimal pada Tabungan dan Giro selama kurun waktu data historis
tersebut dan nilai minimal tersebut ditempatkan pada bucket repricing yang sesuai dengan kategori NMD. Selanjutnya apabila nominal
Tabungan dan Giro pada saat tanggal pelaporan melebihi nilai minimal (core deposit) maka kelebihan tersebut dianggap sebagai non-core
deposit yang akan ditempatkan pada bucket repricing overnight.
Banks divide NMD into 3 (three) based on rules, namely Transactional, Non-Transactional and Corporate (Wholesale). This approach
uses the assumption of stable and unstable deposits from the Liquidity Coverage ratio (LCR) calculation model to determine the nominal
Transactional and Non- Transactional. The Transactional Category is assumed to be stable deposits while the Non-Transactional Category is
assumed to be unstable deposits in the LCR. For Corporate (Wholesale) deposits, they are only differentiated based on the customer's line
of business.
The Bank determines the amount of the core deposit value for Savings and Current Accounts using historical data for 10 (ten) years from
2013 – 2023. The core deposit assumption used is the minimum nominal value for Savings and Current Accounts during the historical data
period and the minimum value is placed in the bucket repricing in accordance with the NMD category. Furthermore, if the nominal Savings
and Current Accounts at the reporting date exceeds the minimum value (core deposit), the excess is considered as a non-core deposit
which will be placed in the overnight repricing bucket."
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LAPORAN PENERAPAN MANAJEMEN RISIKO UNTUK IRRBB
RISK MANAGEMENT IMPLEMENTATION REPORT FOR IRRBB
d. Metode Agregasi antar Mata Uang dan Korelasi Suku Bunga antar Mata Uang yang Signifikan
Aggregation Method between Currencies and Significant Correlation of Interest Rates between Currencies
Bank perlu melakukan agregasi perhitungan ∆EVE antar masing-masing mata uang agar diperoleh nilai konsolidasi dari seluruh mata uang
yang menggambarkan kondisi Bank secara umum. Bank mengambil nilai agregasi sebesar 50% yang akan digunakan untuk membobot
(weighted) nilai perhitungan ∆EVE pada mata uang valuta asing. Dimana aturan yang digunakan adalah jika nilai ∆EVE pada perhitungan
valuta asing mengalami keuntungan maka hanya diambil 50% dari nilai ∆EVE tersebut untuk dijumlahkan dengan nilai ∆EVE mata uang
Rupiah. Namun hal ini tidak berlaku jika nilai ∆EVE mata uang valuta asing mengalami kerugian.
Banks need to aggregate ∆EVE calculations between each currency in order to obtain a consolidated value for all currencies that describes
the general condition of the Bank. The bank takes an aggregate value of 50% which will be used to weight (weighted) the calculated value
of ∆EVE in foreign currency. The rule used is that if the ∆EVE value in the foreign exchange calculation experiences a profit then only 50%
of the ∆EVE value is taken to be added to the ∆EVE value of the Rupiah currency. However, this does not apply if the ∆EVE value of the
foreign exchange currency experiences a loss.
8. Informasi Lainnya
Other Information
Tidak ada
None
Analisis Kuantitatif
Quantitative Analysis
1. Rata-rata Jangka Waktu Penyesuaian Suku Bunga (repricing maturity) yang Diterapkan untuk NMD
Average Period of Interest Rate Adjustment (repricing maturity) Applied to NMD
Bank mengikuti aturan dari regulator dengan menetapkan rata-rata jangka waktu penyesuaian suku bunga (repricing maturity) untuk NMD pada
kisaran 5 Tahun untuk NMD Transaksional, 4,5 Tahun untuk NMD Non-Transaksional, dan 4 Tahun untuk NMD Korporasi.
The Bank follows the rules of the regulator by setting the average period for interest rate adjustment (repricing maturity) for NMD at around 5
years for transactional NMD, 4.5 years for non-transactional NMD, and 4 years for corporate NMD.
2. Jangka Waktu Penyesuaian Suku Bunga (repricing maturity) Terlama yang Diterapkan untuk NMD
Longest Period of Interest Rate Adjustment (repricing maturity) Applied to NMD
Bank mengikuti aturan dari regulator dengan menerapkan jangka waktu penyesuaian suku bunga (repricing maturity) untuk NMD pada kisaran 5
Tahun untuk NMD Transaksional, 4,5 Tahun untuk NMD Non-Transaksional, dan 4 Tahun untuk NMD Korporasi.
The Bank adheres to the rules of the regulator by implementing an interest rate adjustment period (repricing maturity) for NMD in the range of 5
years for transactional NMD, 4.5 years for non-transactional NMD, and 4 years for corporate NMD.
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Tabel 15d: Laporan Perhitungan Interest Rate Risk in Banking Book (IRRBB) dalam Juta Rupiah
in Million Rupiah
Interest Rate Risk in Banking Book (IRRBB) Calculation Report
ΔEVE ΔEVE ΔNII ΔNII
31 Desember 30 September 31 Desember 30 September
Skenario Shock 2023 2023 2023 2023
No.
Shock Scenario December 31, September 30, December 31, September 30,
2023 2023 2023 2023
1 Paralel Up (400 bps) - - - -
2 Paralel Down (400 bps) - - - -
3 Steepener - -
4 Flattener - -
5 Short Rate Up - -
6 Short Rate Down - -
Nilai Kerugian Maksimum (Absolut) - - - -
Maximum Loss Value (Absolute)
Modal Tier 1 (utk ΔEVE) atau Projected Income (utk ΔNII) - - - -
Tier 1 Capital (for ΔEVE) or Projected Income (for ΔNII)
Nilai Maksimum dibagi Modal Tier-1 (utk ΔEVE) atau - - - -
Projected Income (untuk ΔNII)
Maximum Value divided by Tier-1 Capital (for ΔEVE) or
Projected Income (for ΔNII)
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Tabel 39: LIQA - Manajemen Risiko Likuiditas
Table 39: LIQA - Liquidity Risk Management
LIQA - Manajemen Risiko Likuiditas
LIQA - Liquidity Risk Management
Pengungkapan kualitatif
Qualitative disclosure
1. Tata kelola pengelolaan risiko likuiditas, termasuk: toleransi risiko; struktur dan tanggung jawab pengelolaan risiko likuiditas; pelaporan likuiditas
internal; dan komunikasi strategi, kebijakan dan praktik risiko likuiditas di seluruh lini bisnis dan dengan dewan direksi.
Liquidity risk management governance, including: risk tolerance; liquidity risk management structure and responsibilities; internal liquidity
reporting; and communication of liquidity risk strategies, policies and practices across business lines and with the board of directors.
a. Toleransi Risiko
Risk Tolerance
Bank menetapkan limit toleransi (risk tolerance) & risk appetiteRisiko Likuiditas yang konsisten dan relevan dengan bisnis serta
kompleksitas kegiatan usaha Bank. Limit tersebut meliputi antara lain limit Liquidity Coverage Ratio (LCR), limit Net Stable Funding Ratio
(NSFR), limit Rasio Intermediasi Makroprudensial (RIM), limit mismatch arus kas baik dalam jangka pendek maupun jangka panjang
termasuk arus kas yang berasal dari rekening administratif, limit konsentrasi pada aset dan kewajiban, dan rasio-rasio likuiditas lainnya.
Penetapan limit toleransi dilakukan agar Bank dapat mengelola likuiditas pada kondisi normal maupun krisis. Penetapan besaran limit risk
appetite dan risk tolerance diajukan oleh Satuan Kerja Manajemen Risiko (SKMR) dan disetujui oleh Dewan Direksi dan Komisaris melalui
Komite Manajemen Risiko (KMR). Apabila terjadi pelampauan limit, maka Satuan Kerja Manajemen Risiko (SKMR) akan berkoordinasi
dengan Unit Bisnis terkait untuk menyusun action plan.
The Bank sets tolerance limits (risk tolerance) & risk appetiteLiquidity Risk that is consistent and relevant to the business and complexity
of the Bank's business activities. These limits include, among others, Liquidity Coverage Ratio (LCR) limits, Net Stable Funding Ratio
(NSFR) limits, Macroprudential Intermediation Ratio (RIM) limits, cash flow mismatch limits both in the short and long term including cash
flows originating from administrative accounts, concentration limits on assets and liabilities, and other liquidity ratios. Tolerance limits are
determined so that the Bank can manage liquidity in normal and crisis conditions. Determination of the risk appetite and risk tolerance
limits is proposed by the Risk Management Work Unit (SKMR) and approved by the Board of Directors and Commissioners through the
Risk Management Committee (KMR). If the limit is exceeded, the Risk Management Work Unit (SKMR) will coordinate with the relevant
Business Unit to prepare an action plan.
b. Struktur dan Tanggung Jawab Pengelolaan Risiko Likuiditas
Liquidity Risk Management Structure and Responsibilities
Bank menetapkan struktur organisasi, perangkat dan kelengkapan unit/fungsi terkait dengan penerapan manajemen risiko untuk Risiko
Likuiditas yang sesuai dengan karakteristik dan kompleksitas kegiatan usaha Bank. Penanggung jawab dari pengelolaan Risiko Likuiditas
adalah Unit Bisnis yang aktivitasnya terekspos langsung oleh Risiko Likuiditas. Unit Bisnis tersebut selanjutnya dibantu oleh Satuan Kerja
Manajemen Risiko (SKMR) dengan memberikan masukan dan analisa yang objektif dalam proses identifikasi, pengukuran, pemantauan,
dan pelaporan Risiko Likuiditas secara independen. Dewan Direksi dan Komisaris bertanggung jawab untuk memastikan bahwa
penerapan manajemen Risiko Likuiditas telah sesuai dengan tujuan strategis, skala, karakteristik bisnis, dan profil Risiko Likuiditas Bank,
termasuk memastikan integrasi penerapan manajemen risiko untuk Risiko Likuiditas dengan risiko-risiko lainnya yang dapat berdampak
pada posisi likuiditas Bank.
The Bank determines the organizational structure, tools and equipment of units/functions related to the implementation of risk
management for Liquidity Risk in accordance with the characteristics and complexity of the Bank's business activities. The person
responsible for managing Liquidity Risk is the Business Unit whose activities are directly exposed to Liquidity Risk. The Business Unit
is further assisted by the Risk Management Work Unit (SKMR) by providing objective input and analysis in the process of identifying,
measuring, monitoring and reporting Liquidity Risk independently. The Board of Directors and Commissioners are responsible for
ensuring that the implementation of Liquidity Risk management is in accordance with the Bank's strategic objectives, scale, business
characteristics and Liquidity Risk profile, including ensuring the integration of the implementation of risk management for Liquidity Risk
with other risks that can have an impact on the liquidity position Bank.
c. Pelaporan Likuiditas Internal dan Komunikasi Strategi
Internal Liquidity Reporting and Strategy Communication
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LIQA - Manajemen Risiko Likuiditas
LIQA - Liquidity Risk Management
Bank memiliki Sistem Informasi Manajemen Risiko yang memadai dan andal untuk keperluan pelaporan terkait Risiko Likuiditas. Secara
umum, Bank telah menyampaikan dan melaporkan informasi terkait manajemen risiko untuk Risiko Likuiditas yang terdiri dari: rasio-
rasio likuiditas, arus kas dan profil maturitas, stress testing Likuiditas, Profil Risiko Likuiditas, serta informasi lainnya yang terkait dengan
posisi Likuiditas Bank dan kepatuhan Bank terhadap kebijakan dan prosedur Risiko Likuiditas. Seluruh informasi disampaikan ke Unit
Bisnis terkait serta Dewan Direksi dan Komisaris melalui kanal sistem informasi internal Bank dan rapat Komite Manajemen Risiko (KMR)
secara bulanan. Satuan Kerja Manajemen Risiko (SKMR) selanjutnya akan berkoordinasi secara periodik dengan Unit Bisnis terkait yang
mengelola Risiko Likuiditas jika terjadi pelampauan terhadap kebijakan maupun limit untuk Risiko Likuiditas dan menyusun rencana aksi
(action plan).
The Bank has an adequate and reliable Risk Management Information System for reporting purposes related to Liquidity Risk. In general,
the Bank has submitted and reported information related to risk management for Liquidity Risk which consists of: liquidity ratios, cash
flow and maturity profile, Liquidity stress testing, Liquidity Risk Profile, as well as other information related to the Bank's Liquidity position
and Bank compliance. regarding Liquidity Risk policies and procedures. All information is submitted to the relevant Business Units as well
as the Board of Directors and Commissioners through the Bank's internal information system channels and monthly Risk Management
Committee (KMR) meetings. The Risk Management Work Unit (SKMR) will then coordinate periodically with the relevant Business Unit
that manages Liquidity Risk if there is an exceedance of the policies or limits for Liquidity Risk and prepare an action plan.
d. Kebijakan dan Praktik Risiko Likuiditas di Seluruh Lini Bisnis dan dengan Dewan Direksi
Liquidity Risk Policies and Practices across Business Lines and with the Board of Directors
Dalam prakteknya, Unit Bisnis yang terekspos oleh Risiko Likuiditas akan menyampaikan informasi mengenai kondisi indikator
makroekonomi dan proyeksi bisnis melalui rapat Asset and Liability Committee (ALCO) serta dapat mengajukan besaran limit dan
toleransi risiko yang terkait dengan Risiko Likuiditas kepada Satuan Kerja Manajemen Risiko (SKMR) untuk dikaji dan diajukan ke Komite
Manajemen Risiko untuk mendapatkan persetujuan. Unit Bisnis terkait juga menyusun action plan, mengembangkan risk culture yang
kuat, serta menerapkan kebijakan dan prosedur manajemen risiko untuk Risiko Likuiditas yang telah ditetapkan oleh Dewan Direksi.
Selanjutnya Dewan Direksi akan memantau dan memastikan bahwa penerapan manajemen risiko untuk Risiko Likuiditas telah berjalan
sesuai dengan tujuan dan karakteristik Bank dengan dibantu oleh Satuan Kerja Manajemen Risiko.
In practice, Business Units that are exposed to Liquidity Risk will submit information regarding the condition of macroeconomic indicators
and business projections through Asset and Liability Committee (ALCO) meetings and can submit limits and risk tolerances related
to Liquidity Risk to the Risk Management Work Unit (SKMR) to be reviewed and submitted to the Risk Management Committee for
approval. Relevant Business Units also prepare action plans, develop a strong risk culture, and implement risk management policies and
procedures for Liquidity Risk that have been determined by the Board of Directors. Furthermore, the Board of Directors will monitor and
ensure that the implementation of risk management for Liquidity Risk has been carried out in accordance with the Bank's objectives and
characteristics with the assistance of the Risk Management Work Unit.
2. Strategi pendanaan, termasuk kebijakan sumber diversifikasi dan tenor pendanaan, dan apakah strategi pendanaannya terpusat
atau terdesentralisasi.
Funding strategy, including diversification source policy and funding tenor, and whether the funding strategy is centralized
or decentralized.
Secara umum, Bank akan menyusun strategi pendanaan sebagai bagian dari upaya pengendalian Risiko Likuiditas. Strategi tersebut
mencakup strategi diversifikasi sumber dan jangka waktu pendanaan yang dikaitkan dengan karakteristik dan rencana bisnis Bank. Hal
ini tercantum dalam limit risiko Untuk Risiko Likuiditas terkait dengan konsentrasi pendanaan seperti konsentrasi Deposito terhadap
Total DPK, konsentrasi DPK special rate terhadap Total DPK, konsentrasi DPK Korporasi terhadap Total DPK, serta konsentrasi
Kewajiban Interbank.
In general, the Bank will develop a funding strategy as part of efforts to control Liquidity Risk. This strategy includes a strategy to diversify
sources and funding periods that are linked to the characteristics and business plans of the Bank. This is stated in the risk limit for
Liquidity Risk related to funding concentrations such as the concentration of Deposits to Total DPK, the concentration of special rate DPK
to Total DPK, the concentration of Corporate DPK to Total DPK, and the concentration of Interbank Liabilities.
3. Teknik mitigasi risiko likuiditas.
Liquidity risk mitigation techniques.
Bank melakukan mitigasi risiko likuiditas dengan cara memantau limit-limit risiko likuiditas yang telah ditetapkan oleh manajemen Bank.
Apabila limit tersebut mengalami pelampauan (breach), maka Satuan Kerja Manajemen Risiko berkordinasi dengan Unit Bisnis Terkait
untuk melakukan action plan.
The Bank mitigates liquidity risk by monitoring the liquidity risk limits set by the Bank's management. If the limit is exceeded (breached),
the Risk Management Work Unit coordinates with the Related Business Unit to carry out an action plan.
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LIQA - Manajemen Risiko Likuiditas
LIQA - Liquidity Risk Management
4. Penjelasan tentang bagaimana stress-test digunakan.
Explanation of how stress-tests are used.
Stress Testing Likuiditas digunakan untuk mengetahui kemampuan Bank untuk memenuhi kebutuhan likuiditas dalam kondisi krisis dengan
menggunakan skenario stress test secara spesifik (Bank specific scenario) maupun stress pada pasar (general market stress scenario).
Liquidity Stress Testing is used to determine the Bank's ability to meet liquidity needs in crisis conditions by using specific stress test scenarios
(Bank specific scenarios) and market stress (general market stress scenarios).
5. Garis besar rencana pendanaan mendesak bank.
Outline the bank's urgent funding plan.
Dalam rangka pengendalian likuiditas dalam kondisi krisis, dibentuk suatu organisasi Liquidity Crisis Center Management (LCCM) yang memiliki
tugas dan tanggung jawab melakukan pemantauan secara continue mengenai kondisi likuiditas bank. Apabila kondisi likuiditas bank berada
dalam kriteria risiko high, maka Bank akan mengaktifkan Rencana Pendanaan Darurat.
In order to control liquidity in crisis conditions, a Liquidity Crisis Center Management (LCCM) organization was formed which has the task and
responsibility of carrying out continuous monitoring of bank liquidity conditions. If the bank's liquidity condition is within the high risk criteria,
the Bank will activate the Emergency Funding Plan.
6. Alat ukur atau metrik yang disesuaikan yang menilai struktur neraca bank atau arus kas proyeksi dan posisi likuiditas masa depan, dengan
memperhitungkan risiko transaksi rekening administratif yang khusus untuk bank tersebut.
A customized measuring tool or metric that assesses a bank's balance sheet structure or projected cash flow and future liquidity position, taking
into account off-balance sheet transaction risks specific to that bank.
Pengukuran yang digunakan Bank dalam melakukan proyeksi arus kas yaitu dengan melihat kegiatan bisnis utama bank berdasarkan
pendekatan informasi bisnis, remaining maturity (contractual) maupun behavioral dalam on & off balance sheet. Selain itu, bank juga melakukan
Rencana Pendanaan/Penggunaan (RPP) dalam pengelolaan likuiditas jangka pendek.
The measurement used by the Bank in making cash flow projections is by looking at the bank's main business activities based on the business
information approach, remaining maturity (contractual) and behavior in on & off balance sheet. Apart from that, the bank also carries out a
Funding/Use Plan (RPP) to manage short-term liquidity.
Tabel 40 : Pengungkapan Risiko Operasional - Bank Secara Individu
Table 40: Operational Risk Disclosure - Bank Individually
Pendekatan Yang Digunakan Jumlah
No.
Approach Total
1 Pendekatan Standar
Standard Approach
- Komponen Indikator Bisnis (KIB)
25.074,59
Components of Business Indicators (KIB)
- Faktor Pengali Kerugian Intern (FPKI)
1,00000000
Internal Loss Multiplier Factor (FPKI)
- Modal Minimum Risiko Operasional (MMRO)
25.074,59
Minimum Operational Risk Capital (MMRO)
- ATMR untuk Risiko Operasional
313.437,50
RWA for Operational Risk
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Operational Risk
Tabel 41: Pengungkapan Kualitatif Umum
Table 41: General Qualitative Disclosures
Analisis Kualitatif
Qualitative Analysis
1. Bank telah mengimplementasikan kebijakan manajemen risiko sesuai The Bank has implemented risk management policies in accordance
dengan Peraturan Otoritas Jasa Keuangan Nomor 18/POJK.03/ 2016 with the Financial Services Authority Regulation Number 18/
dan Surat Edaran OJK Nomor 34/SEOJK/032016 tentang Penerapan POJK.03/ 2016 and OJK Circular Letter Number 34/SEOJK/032016
Manajemen Risiko Bagi Bank Umum serta mengacu juga pada concerning the Implementation of Risk Management for Commercial
peraturan internal mengenai Kebijakan Manajemen Risiko. Banks and also refers to internal regulations regarding Risk
Management Policies.
Beberapa Kebijakan Internal yang terkait Manajemen Risiko Some of the Internal Policies related to Operational Risk
Operasional diantaranya SK Manajemen Risiko Operasional; SE Management include Operational Risk Management Decree; Risk
Kerangka Kerja Manajemen Risiko; SK Komite Manajemen Risiko; Management Framework Decree; Risk Management Committee
SE Pedoman Penyusunan ATMR Risiko Operasional; SE Pedoman Decree; Operational Risk RWA Preparation Guidelines; Risk Profile
Penyusunan Profil Risiko; SK Kewajiban Penyediaan Modal Minimum Preparation Guidelines; Minimum Capital Adequacy Decree (CAR)
(KPMM) sesuai Profil Risiko; SK Kebijakan Risk Limit; SE Pengelolaan according to Risk Profile; Risk Limit Policy Decree; SE Bank Product
Risiko Produk Bank; SE Risk Control & Self Assessment (RCSA); Risk Management; SE Risk Control & Self Assessment (RCSA); SE
SE Key Risk Indicator (KRI); SE Prosedur dan Panduan Incident Key Risk Indicator (KRI); SE Incident Reporting & Management
Reporting & Management; SK Implementasi RP pada Masing-Masing Procedures and Guidelines; SK RP Implementation in Each
Divisi; SK Crisis Management Plan (CMP); SK Business Continuity Division; SK Crisis Management Plan (CMP); SK Business Continuity
Management (BCM); SK Business Continuity Plan (BCP); SE Prosedur Management (BCM); SK Business Continuity Plan (BCP); SE
dan Penyusunan BIA dan BCP Unit Kerja; dan SK Kebijakan Risk Procedures and Preparation of BIA and BCP Work Units; and SK Risk
Management Terkait Kegiatan Alih Daya. Management Policies Related to Outsourcing Activities.
Kebijakan Manajemen Risiko Operasional berperan sebagai panduan The Operational Risk Management Policy serves as a guide
bagi Bank dalam mengelola Risiko Operasional yang melekat pada for the Bank in managing Operational Risk inherent in various
berbagai aktivitas Operasional dan Bisnis Bank, terutama untuk Operational and Business activities of the Bank, especially to assign
menetapkan tanggung jawab, akuntabilitas, dan menyelaraskan responsibilities, accountabilities, and harmonize work processes. It
proses kerja. Harapannya, hal ini dapat mengurangi potensi kerugian is expected to reduce potential losses caused by internal process
yang disebabkan oleh gangguan proses internal, kesalahan manusia, disruptions, human errors, system failures, and/or external events, by
kegagalan sistem, dan/atau peristiwa-peristiwa eksternal, dengan anticipating the occurrence of incidents/errors due to lack of effective
mengantisipasi timbulya insiden/ kesalahan akibat kurangnya Operational Risk management.
pengelolaan Risiko Operasional yang efektif.
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Analisis Kualitatif
Qualitative Analysis
2. Dalam rangka meningkatkan efektivitas implementasi Manajemen In order to improve the effectiveness of Operational Risk
Risiko Operasional, Bank telah memiliki Unit Kerja Enterprise, Management implementation, the Bank has an Enterprise,
Operational, and Market Risk (EOMR) yang salah satu fungsinya Operational, and Market Risk (EOMR) Work Unit, one of whose
terkait Manajemen Risiko Operasional dan berada dibawah koordinasi functions is related to Operational Risk Management and is under the
Satuan Kerja Manajemen Risiko dengan tugas dan tanggung coordination of the Risk Management Work Unit with clearly defined
jawab yang telah dirumuskan dengan jelas dan akuntabel. Unit and accountable duties and responsibilities. This Working Unit has
Kerja ini memiliki tugas membantu Direksi dalam mengelola Risiko the task of assisting the Board of Directors in managing Operational
Operasional, memantau proses pelaksanaan Manajemen Risiko Risk, monitoring the overall Operational Risk Management
Operasional secara menyeluruh, memastikan kebijakan Manajemen implementation process, ensuring Operational Risk Management
Risiko Operasional berjalan pada seluruh tingkat Organisasi policies are implemented at all levels of the Bank's Organization. In
Bank. Dalam pelaksanaannya Unit Kerja EOMR berkoordinasi its implementation, the EOMR Work Unit coordinates with several
dengan beberapa Unit Kerja pada setiap kesempatan seperti Unit Work Units at every opportunity, such as the Internal Audit Work Unit,
Kerja Internal Audit, Unit Kerja Cyber Risk, Unit Kerja Legal, Unit Cyber Risk Work Unit, Legal Work Unit, Compliance Work Unit and
Kerja Kepatuhan serta Unit Kerja untuk membahas isu-isu Risiko Work Units to discuss critical Operational Risk issues so that these
Operasional yang kritikal agar risiko-risiko tersebut dapat dimitigasi risks can be effectively mitigated and controlled early on.
dan dikendalikan secara efektif sejak dini.
Untuk mendukung implementasi Kerangka Kerja Manajemen Risiko To support the implementation of the Operational Risk Management
Operasional telah dibentuk 3 unsur penanggung jawab pengelola di Framework, the Company has established 3 elements of responsible
masing-masing Unit Kerja yang terdiri dari Risk Owner, Operational managers in each Work Unit consisting of Risk Owner, Operational
Risk Manager (Risk Specialist) dan Responsible Person (RP). Risk Risk Manager (Risk Specialist) and Responsible Person (RP). The Risk
Owner merupakan pemimpin tertinggi di Direktorat, Unit Kerja Bisnis Owner is the highest leader in the Directorate, Business Unit and
dan unit kerja pendukung yang bertanggung jawab mengelola Risiko supporting work units who is responsible for managing Operational
Operasional di unit kerja yang dipimpinnya, termasuk memastikan Risk in the work unit he/she leads, including ensuring that regulations
dipatuhinya peraturan dalam pelaksanaan kegiatan bisnis, in the implementation of business, operational and transactional
operasional, dan transaksional. Operational Risk Manager (ORM) activities are complied with. Operational Risk Manager (ORM) is an
merupakan fungsi manajemen Risiko Operasional yang membantu Operational Risk management function that helps the Risk Owner
Risk Owner mengimplementasikan Kerangka Kerja Manajemen implement the Operational Risk Management Framework. Meanwhile,
Risiko Operasional. Sedangkan Responsible Person (RP) bertugas the Responsible Person (RP) is tasked with assisting the Head of
membantu Kepala Divisinya mengelola Risiko Operasional terutama his division to manage Operational Risk, especially in terms of
dalam hal Pelaporan Kejadian Risiko (Incident Report), Risk & Control Incident Reporting, Risk & Control Self-Assessment (RCSA), Key Risk
Self-Assessment (RCSA), Key Risk Indicators (KRI) serta permasalahan Indicators (KRI) and other operational risk issues that are not covered
risiko operasional lainnya yang tidak ter-cover pada area kerjanya. in his work area.
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3. Bank mengembangkan metodologi Manajemen Risiko Operasional The Bank developed an Operational Risk Management methodology
dalam rangka penyempurnaan ORM tools yang telah ada. ORM Tools in order to improve the existing ORM tools. ORM Tools is a tool
adalah adalah alat atau sistem yang dirancang untuk membantu or system designed to assist the Bank in identifying, assessing,
Bank dalam mengidentifikasi, menilai, mengendalikan, dan controlling and monitoring Operational Risk. ORM Tools has three
memantau Risiko Operasional. ORM Tools memiliki tiga modul yakni modules namely Risk Control Self Assessment (RCSA), Key Risk
Risk Control Self Assessment (RCSA), Key Risk Indicator (KRI) dan Indicator (KRI) and Incident Report. RCSA is used to assist risk
Incident Report. RCSA digunakan untuk membantu risk owner dalam owners in conducting an operational risk management process that
melakukan proses manajemen risiko operasional yang mencakup includes the identification and measurement of operational risks
identifikasi dan pengukuran risiko operasional secara mandiri yang independently which is predictive and anticipatory. Furthermore, KRI
bersifat prediktif dan antisipatif. Selanjutnya, KRI adalah alat bantu is a tool that provides early information about symptoms and risks
yang memberikan informasi sejak dini mengenai gejala maupun risiko whose trends show an increase. Meanwhile, Incident Report is a tool
yang trennya menunjukkan peningkatan. Sedangkan Incident Report that serves as a database of risk events, which is used for the Bank's
merupakan tools yang berfungsi sebagai database peristiwa risiko, learning data.
yang digunakan untuk data pembelajaran Bank.
Bank juga membangun database peristiwa risiko, termasuk di The Bank also develops a database of risk events, including data on
dalamnya data kerugian karena risiko operasional, melalui modul losses due to operational risk, through the Incident Report module.
Incident Report. Hal ini merupakan bagian dari kegiatan Bank This is part of the Bank's activities to record Risk & Loss Event Data
mendata Risk & Loss Event Data (RLED) yang akan digunakan di (RLED) which will be used in the calculation of Operational Risk
dalam perhitungan Modal Risiko Operasional dan ATMR Risiko Capital and Operational Risk RWA. The events recorded include
Operasional. Peristiwa yang dicatat meliputi Loss Event dan/atau Near Loss Event and/or Near Miss Event. The events may originate from
Miss Event. Kejadiannya dapat berasal dari kegiatan yang bersifat transactional or non-transactional activities. Near Miss is a risk event
transaksional maupun non transaksional. Near Miss merupakan that almost causes financial loss or that has caused financial loss
peristiwa risiko yang nyaris menimbulkan kerugian finansial atau yang but the loss has been fully recovered, with a note, at the time of
telah menimbulkan kerugian finansial namun kerugian tersebut sudah recording, the Incident Report of the risk event has been resolved
recovery seluruhnya, dengan catatan pada saat pencatatan Incident either on the same day as the event or not, while Loss Event is a risk
Report peristiwa risiko sudah terselesaikan baik di hari yang sama event that has a financial impact or loss of Bank funds.
dengan peristiwa ataupun tidak, sedangkan Loss Event merupakan
peristiwa risiko yang berdampak finansial atau hilangnya dana Bank.
Peristiwa Risiko Operasional wajib dianalisis kronologi, penyebab, Operational Risk Events must be analyzed in terms of chronology,
dan dampaknya untuk memperoleh informasi yang lengkap dan causes, and impacts to obtain complete and comprehensive
komprehensif. Seluruh peristiwa risiko yang memiliki dampak information. All risk events that have a financial loss impact must
kerugian finansial harus dicatat di dalam modul Incident Report be recorded in the Incident Report module regardless of the loss
berapapun nilai kerugiannya. Terhadap Peristiwa Risiko yang value. For Risk Events that have been recorded, the relevant Work
telah dicatat Unit Kerja terkait memantau kerugian dari Loss Event Unit monitors losses from the Loss Event regarding updates on each
mengenai update setiap recovery kerugian sampai dengan final loss recovery up to the final and final loss bookkeeping in the Bank's
serta pembukuan kerugian final dalam buku Bank. Unit Kerja EOMR books. The EOMR Work Unit will reconcile the Loss recorded in the
akan merekonsiliasi Loss yang dicatat pada Catatan Peristiwa Risiko Risk Event Record with that recorded in the Bank's Loss GL.
dengan yang dicatat di GL Kerugian Bank.
4. Satuan Kerja Manajemen Risiko (SKMR) khususnya Unit Kerja The Risk Management Work Unit (SKMR), especially the EOMR
EOMR telah menerbitkan dan menyusun beberapa laporan kondisi Work Unit, has issued and compiled several reports on the condition
risiko-risiko yang terkait dengan Bank kepada jajaran Manajemen. of risks related to the Bank to the Management. These reports are
Laporan-laporan ini dibuat dalam rangka mendukung kinerja unit made in order to support the performance of related units through
terkait melalui penyediaan data yang informatif, lengkap, dan terkini the provision of informative, complete, and up-to-date data in the
dalam rangka pengendalian risiko diantaranya Laporan Risk Limit, context of risk control including Risk Limit Reports, Minimum Capital
Kewajiban Penyediaan Modal Minimum (KPMM), Penilaian Tingkat Adequacy Requirements (CAR), Bank Health Level Assessment, Risk &
Kesehatan Bank, Risk & Loss Event Database (RLED), Risk & Control Loss Event Database (RLED), Risk & Control Self Assessment (RCSA),
Self Assessment (RCSA), Key Risk Indicator (KRI). Perhitungan Key Risk Indicator (KRI). Calculation of Operational Risk Weighted
Aset Tertimbang Menurut Risiko (ATMR) Operasional dengan Assets (RWA) using the Basic Indicator Approach in the previous
Menggunakan Pendekatan Indikator Dasar pada periode sebelumnya period and Calculation of Operational Risk Weighted Assets (RWA)
dan Perhitungan Aset Tertimbang Menurut Risiko (ATMR) Operasional using Standard Indicators in the 2023 period is accordance with
dengan Menggunakan Indikator Standar pada periode 2023 sesuai SEOJK No. 6/SEOJK.03/2022.
dengan SEOJK No. 6/SEOJK.03/2022.
Di dalam Penilaian Tingkat Kesehatan Bank terdapat beberapa In the Assessment of the Bank's Soundness Level, there are several
jenis risiko salah satunya Operasional dimana parameter-parameter types of risks, one of which is Operational where the assessment
penilaian pada risiko inheren adalah Karakteristik dan Kompleksitas parameters on inherent risk are Business Characteristics and
Bisnis, Sumber Daya Manusia, Teknologi Informasi dan Infrastruktur Complexity, Human Resources, Information Technology and
Pendukung, Fraud dan Kejadian Eksternal. Parameter tersebut sesuai Supporting Infrastructure, Fraud and External Events. These
dengan Surat Edaran OJK terkait Penilaian Tingkat Kesehatan Bank. parameters are in accordance with the OJK Circular Letter related to
Bank Health Level Assessment.
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5. Bank senantiasa menyempurnakan implementasi Manajemen Risiko The Bank continues to improve the implementation of Operational
Operasional dengan meningkatkan kesadaran para Pegawai terhadap Risk Management by raising employee awareness of risks and
risiko serta menyempurnakan Kebijakan dan Prosedur operasional improving the Bank's operational policies and procedures. These
Bank. Berbagai upaya ini ditujukan untuk memitigasi risiko inheren various efforts are aimed at mitigating inherent risks and continuing
dan terus meningkatkan sistem pengendalian khususnya terhadap to improve the control system, especially for Operational Risk. The
Risiko Operasional. Bank juga terus-menerus meningkatkan Bank also continuously increases risk awareness of all its employees
kesadaran risiko seluruh pegawainya melalui berbagai media through various media including email blasts and direct outreach.
termasuk diantaranya email blast dan sosialisasi secara langsung.
Bank dalam menentukan tingkat Risiko yang diambil, Toleransi In determining the level of risk taken, risk tolerance and overall
Risiko, dan Strategi Bank secara keseluruhan selalu memperhatikan bank strategy, the Bank always pays attention to the bank's capital
kemampuan modal Bank untuk dapat menyerap eksposur risiko ability to absorb risk exposure or losses that arise based on past
atau kerugian yang timbul berdasarkan pengalaman kerugian di loss experience, human resource capabilities, and compliance with
masa lalu, kemampuan sumber daya manusia, serta kepatuhan internal and external regulations. applies. The Bank has set Risk Limits
terhadap ketentuan internal dan eksternal yang berlaku. Bank telah adequately in accordance with the Bank's overall strategic targets
menetapkan Limit Risiko secara memadai sesuai sasaran strategis and business strategy which must be adhered to by all lines of the
dan strategi bisnis Bank secara keseluruhan yang wajib dipatuhi organization, therefore the Bank has issued a Risk Limit Policy. The
oleh seluruh lini organisasi, oleh karenanya Bank menerbitkan Risk Limits set by the Bank are periodically reviewed at least once
Kebijakan Risk Limit. Limit Risiko yang ditetapkan oleh Bank secara a year to ensure they are in line with the Bank's business direction
berkala ditinjau ulang minimal satu tahun sekali untuk memastikan and strategy.
kesesuaiannya dengan arah dan strategi bisnis Bank.
Bank telah menerapkan Budaya Risiko (Risk Culture) antara The Bank has implemented a Risk Culture, among others, by
lain dengan secara konsisten menerapkan proses identifikasi, consistently implementing the process of identifying, measuring,
pengukuran, pemantauan, pengendalian dan pelaporan atas potensi monitoring, controlling and reporting potential losses that the Bank
kerugian yang dapat dialami Bank (Potential Loss), mencegah may experience (Potential Loss), preventing risk events (Risk Events)
kejadian risiko (Risk Event) dan meminimalkan kerugian Bank (Risk and minimizing Bank losses (Risk loss). Afterwards, the Bank carries
Loss). Kemudian melaksanakan proses identifikasi, pengukuran, out the process of identifying, measuring, monitoring, controlling
pemantauan, pengendalian dan pelaporan setiap jenis dan kelompok and reporting each type and group of risks on an ongoing basis. Risk
risiko yang dilakukan secara berkesinambungan. Budaya Manajemen Management Culture is internalized at all levels of the Organization
Risiko diinternalisasikan pada seluruh level Organisasi untuk to encourage consistency and effectiveness in the Implementation
mendorong konsistensi dan efektivitas Penerapan Manajemen Risiko of Bank Risk Management and is the shared responsibility of all
Bank dan merupakan tanggung jawab bersama seluruh karyawan di employees in every line of the organization.
setiap lini organisasi.
Product & Activity Forum is regularly held to identify and mitigate
Terdapat Product & Activity Forum yang secara rutin dilakukan untuk risks inherent in new products and activities. To simplify the
mengidentifikasi dan memitigasi risiko yang melekat pada produk dan Product Risk mitigation process by Product Owners and other
aktivitas baru. Untuk mempermudah proses mitigasi Risiko Produk related work units, the Bank has developed a Bank Product Risk
oleh Product Owner dan unit-unit kerja yang terkait lainnya, Bank Management Policy.
telah menyusun Kebijakan Pengelolaan Risiko Produk Bank.
Semua uang tunai yang dikelola oleh Bank telah diasuransikan, jenis All cash managed by the Bank is insured, while the types of cash
asuransi uang tunai pada Bank terdapat dalam Cash In Save (uang insurance at the Bank are Cash In Save (money in the main treasury)
dalam khazanah utama) dan Cash In Transit (uang dalam perjalanan). and Cash In Transit (money in transit).
Sebagai bentuk pengawasan aktif Dewan Direksi atas implementasi As part of proactive oversight by the Board of Directors concerning
Kualitas Penerapan Manajemen Risiko yang salah satunya terkait Quality Risk Management Applications, particularly related to
Risiko Operasional, Bank telah memiliki Komite Manajemen Risiko Operational Risk, the Bank has established a Risk Management
yang tujuan utamanya adalah untuk mengidentifikasi dan mengelola Committee. The primary goal of this committee is to identify and
risiko utama pada level Bank. manage key risks at the Bank level.
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05
Tata Kelola
Perusahaan
yang Baik
Good Corporate
Governance
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Prinsip Dasar Penerapan
Tata Kelola Perusahaan
yang Baik
Basic Principles of Good
Corporate Governance
Komitmen dan Konsistensi Penerapan GCG Commitment and Consistency of
Secara Berkelanjutan Sustainable GCG Implementation
Allo Bank percaya bahwa penerapan Tata Kelola Allo Bank believes that the implementation of Good
Perusahaan yang Baik (Good Corporate Governance/ Corporate Governance (GCG) can encourage the
GCG) dapat mendorong terciptanya persaingan yang creation of sound competition and a conducive business
sehat dan iklim usaha yang kondusif. Mengingat climate. In regard with the importance of implementing
pentingnya penerapan GCG, Bank berkomitmen GCG, the Bank is committed to always implementing
untuk senantiasa menjalankan GCG pada keseharian GCG in its daily business activities as an important
bisnis yang dijalankan sebagai unsur penting dalam element in supporting sustainable growth and stability
menunjang pertumbuhan dan stabilitas kinerja usaha of business performance.
yang berkesinambungan.
Selain itu, implementasi GCG juga menjadi salah satu Apart from that, the implementation of GCG is also
pilar utama pada konsep pembangunan berkelanjutan one of the main pillars of the concept of sustainable
yang diharapkan mampu membentuk fondasi iklim yang development which is expected to be able to form the
sehat. Allo Bank berupaya untuk terus memastikan foundation of a favorable climate. Allo Bank strives to
penerapan GCG dapat dilakukan secara komprehensif continue to ensure that GCG implementation can be
di seluruh organisasi Bank, baik dari jajaran Dewan carried out comprehensively throughout the Bank’s
Komisaris, Direksi, maupun Insan Bank lainnya. organization, both from the Board of Commissioners,
Directors and other Bank Personnel.
Bank berkeyakinan bahwa GCG menjadi salah satu The Bank believes that GCG serves as one of the
faktor fundamental bagi investor dalam menilai kinerja fundamental factors for investors in assessing
perusahaan di masa mendatang. Untuk memastikan company performance in the future. To ensure that
proses tata kelola dilaksanakan secara baik, Allo Bank the governance process is implemented appropriately,
secara berkala melakukan review dan pengkinian Allo Bank conducts a periodic reviews and updates
terhadap kebijakan tata kelola sebagai salah satu wujud governance policies, demonstrating its commitment to
komitmen peningkatan kualitas penerapan tata kelola improving the quality of governance implementation
di seluruh lini organisasi Bank. across all lines of the Bank’s organization.
Penerapan Prinsip Tata Kelola Perusahaan Implementation of Corporate Governance
Principles
Bank menjalankan seluruh kegiatan usahanya dengan The Bank carries out all its business activities by
berpegang teguh pada 5 (lima) prinsip dasar GCG adhering to the 5 (five) basic principles of GCG as
yang tertuang dalam Pedoman Umum Good Corporate stated in the General Guidelines for Good Corporate
Governance yang dikeluarkan oleh Komite Nasional Governance issued by the National Committee for
Kebijakan Governance (KNKG) dengan rincian Governance Policy (KNKG) with the following details:
sebagai berikut:
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Allo Bank berkomitmen dalam memberikan pengungkapan informasi secara tepat
waktu, jelas, akurat, dan dapat diakses oleh pemegang saham dan pemangku
Transparansi
kepentingan
Transparency
Allo Bank is committed to providing timely, clear, accurate, and accessible
information disclosure to shareholders and stakeholders.
Bank menetapkan fungsi, tugas, wewenang, serta tanggung jawab pada seluruh lini
organisasi yang diatur sesuai pedoman dan tata tertib pada masing-masing fungsi,
serta dapat mempertanggungjawabkan kinerjanya secara akuntabel.
Akuntabilitas
The Bank determines the functions, duties, authorities, and responsibilities of all
Accountability
lines of the Bank’s organization which are regulated according to the guidelines
and rules for each function, and being accountable for their performance in an
accountable manner.
Keselarasan kebijakan internal Bank dengan peraturan perundang-undangan yang
berlaku dan pertanggungjawaban kepada nasabah serta berpegang pada prinsip
Tanggung Jawab
kehati-hatian (prudential bank practices).
Responsibilities
Alignment of the Bank’s internal policies with applicable laws and regulations and
accountability to customers and adhering to prudential bank practices.
Bank berkomitmen dalam menjalankan bisnis secara profesional dan menghindari
Independensi terjadinya dominasi yang tidak wajar serta pengaruh dari pihak manapun.
Independency The Bank is committed to conducting business in a professional manner and
avoiding unfair domination and influence from any party.
Bank memperhatikan asas keadilan dan kesetaraan (equal treatment) dalam
memenuhi hak-hak pemangku kepentingan yang timbul berdasarkan kebijakan atas
Kewajaran dan
ketentuan dan peraturan perundang-undangan yang berlaku.
Kesetaraan
The Bank pays attention to the principles of justice and equality (equal treatment) in
Fairness & Equality
fulfilling the rights of stakeholders that arise based on policies on the provisions and
applicable laws and regulations.
Dasar Penerapan Tata Kelola Perusahaan Basis for Implementation of Good
yang Baik Corporate Governance
Penerapan Tata Kelola Perusahaan yang Baik di Allo The implementation of good corporate governance at
Bank mengacu pada ketentuan perundang-undangan Allo Bank refers to the prevailing laws and regulations,
yang berlaku, antara lain: including:
1. Undang-undang Republik Indonesia No. 10 tahun 1. Law of the Republic of Indonesia No. 10 of 1998
1998 tentang perubahan atas Undang-undang No. concerning amendments to Law no. 7 of 1992
7 tahun 1992 tentang Perbankan. concerning Banking.
2. Undang-Undang Republik Indonesia No. 40 tahun 2. Law of the Republic of Indonesia No. 40 of 2007
2007 tentang Perseroan Terbatas. concerning Limited Liability Companies.
3. Peraturan Otoritas Jasa Keuangan Republik 3. Financial Services Authority Regulation (POJK) No.
Indonesia No. 17 Tahun 2023 tentang Penerapan 55/POJK.03/2016 concerning the Implementation
Tata Kelola Bagi Bank Umum. of Governance for Commercial Banks.
4. Peraturan Otoritas Jasa Keuangan No. 21/ 4. Financial Services Authority Regulation (POJK) No.
POJK.04/2015 tentang Penerapan Pedoman Tata 21/PJOK.04/2015 concerning the Implementation
Kelola Perusahaan Terbuka. of Guidelines for Public Company Governance.
5. Surat Edaran Otoritas Jasa Keuangan No. 32/ 5. SE OJK No. 32/SEOJK.04/2015 concerning
SEOJK.04/2015 tentang Pedoman Tata Kelola Guidelines for Public Company Governance.
Perusahaan Terbuka.
6. Surat Edaran Otoritas Jasa Keuangan No. 13/ 6. Financial Services Authority (SEOJK) No. 13/
SEOJK.03/2017 tentang Penerapan Tata Kelola SEOJK.03/2017 concerning the Implementation of
bagi Bank Umum. Good Corporate Governance for Commercial Banks.
7. Peraturan Otoritas Jasa Keuangan No. 31/ 7. Financial Services Authority Regulation No. 31/
POJK.04/2015 tentang Keterbukaan atas POJK.04/2015 regarding Disclosure of Information
Informasi atau Fakta Material oleh Emiten atau or Material Facts by Issuers or Public Companies.
Perusahaan Publik.
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8. Peraturan Otoritas Jasa Keuangan No. 37/ 8. Financial Services Authority Regulation No. 37/
POJK.03/2019 tentang Transparansi dan Publikasi POJK.03/2019 regarding Transparency and
Laporan Bank. Publication of Bank Reports.
9. Peraturan Otoritas Jasa Keuangan No. 4/ 9. Financial Services Authority Regulation No. 4/
POJK.03/2016 tentang Penilaian Tingkat Kesehatan POJK.03/2016 regarding Assessment of the
Bank Umum. Soundness Level of Commercial Banks.
10. Surat Edaran Otoritas Jasa Keuangan No. 14/ 10. Financial Services Authority Circular Letter No.
SEOJK.03/2017 tentang Penilaian Tingkat 14/SEOJK.03/2017 regarding Assessment of the
Kesehatan Bank Umum. Soundness Level of Commercial Banks.
Tujuan Penerapan Tata Kelola Perusahaan Objectives of Implementing Good
yang Baik Corporate Governance
Tujuan penerapan Tata Kelola Perusahaan yang Baik The objectives of implementing Good Corporate
di lingkungan Bank, antara lain: Governance within the Bank include:
1. Mendorong peningkatan kualitas pengelolaan bank 1. Encouraging improvement in the quality of
yang sehat, berdasarkan prinsip kehati-hatian dan sound bank management, based on prudential
beretika, yang dapat meningkatkan daya saing bank. and ethical principles, which can enhance
bank competitiveness.
2. Mengoptimalkan nilai perusahaan bagi 2. Optimizing company value for Shareholders while
Pemegang Saham dengan tetap memperhatikan still paying attention to other interests.
kepentingan lainnya.
Perkembangan Penerapan
Tata Kelola Perusahaan
yang Baik
Development of Good Corporate
Governance Implementation
Perkembangan GCG Allo Bank di Tahun Development of Allo Bank’s GCG in 2023
2023
Allo Bank terus membangun fondasi yang kuat dengan Allo Bank continues to build a strong foundation by
membangun tata kelola yang baik, sistem yang handal building good governance, reliable systems and fulfilling
serta pemenuhan sumber daya manusia yang sesuai human resources in accordance with the direction
dengan arah rencana bisnis Bank. Di samping itu, of the Bank’s business plan. In addition, the Bank
Bank selalu memantau dan mengikuti perkembangan always monitors and follows economic developments
ekonomi di Indonesia untuk menyesuaikan langkah in Indonesia to adjust the strategic steps taken by the
strategis yang diambil oleh Bank. Semua kebijakan, Bank. All policies, provisions, systems and procedures
ketentuan, serta sistem dan prosedur yang dimiliki oleh owned by Allo Bank are updated regularly and adapted
Allo Bank diperbaharui secara berkala dan disesuaikan to applicable regulations, technological developments
dengan ketentuan yang berlaku, perkembangan and best practices in the market and also following
teknologi dan best practices yang ada di pasar dan business developments.
juga mengikuti perkembangan bisnis.
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Penilaian Penerapan
Tata Kelola Perusahaan
yang Baik
Assessment of the Good
Corporate Governance
Implementation
Dasar Penilaian dan Metode Basis of Assessment and Methods
Allo Bank terus melakukan upaya perbaikan/penyempurnaan Allo Bank continues to make efforts to improve/perfect GCG
terhadap implementasi GCG dengan mengukur atau melakukan implementation by measuring or conducting assessments of
penilaian (assessment) terhadap hasil tata kelola di Bank. Hasil tata governance results at the Bank. Governance results are the output
kelola merupakan keluaran hasil dari penerapan struktur dan proses resulting from the implementation of governance structures and
tata kelola, baik dari aspek hasil kinerja maupun cara-cara/praktik- processes, both in terms of performance results and the methods/
praktik yang digunakan untuk mencapai hasil kinerja tersebut. practices used to achieve these performance results.
Penerapan kualitas tata kelola Bank dilakukan melalui mekanisme The implementation of the quality of Bank governance is carried
self-assessment oleh pihak internal terhadap kecukupan pelaksanaan out through a self-assessment mechanism by internal parties
GCG dan menyusun laporan pelaksanaannya. Dengan demikian, regarding the adequacy of GCG implementation and preparing
apabila masih terdapat kekurangan dalam praktiknya Bank segera implementation reports. Thus, if there are still deficiencies in practice,
melakukan tindakan korektif yang diperlukan. the Bank immediately takes the necessary corrective action.
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Kriteria Penilaian Tata Kelola Perusahaan Corporate Governance Assessment Criteria
Dalam proses self-assessment, Bank memiliki sejumlah faktor In the self-assessment process, the Bank has a number of
penilaian tata kelola di lingkup Bank sesuai dengan POJK No. governance assessment factors within the Bank in accordance with
17 Tahun 2023 tentang Penerapan Tata Kelola bagi Bank Umum POJK No. 17 of 2023 concerning the Implementation of Governance
dengan rincian sebagai berikut: for Commercial Banks with the following details:
1. Pelaksanaan tugas dan tanggung jawab Direksi; 1. Implementation of duties and responsibilities of the Board
of Directors;
2. Pelaksanaan tugas dan tanggungjawab Dewan Komisaris; 2. Implementation of duties and responsibilities of the Board
of Commissioners;
3. Kelengkapan dan pelaksanaan tugas komite; 3. Completeness and implementation of committee tasks;
4. Penanganan benturan kepentingan; 4. Handling conflicts of interest;
5. Penerapan fungsi kepatuhan; 5. Implementation of compliance functions;
6. Penerapan fungsi audit internal; 6. Implementation of internal audit functions;
7. Penerapan fungsi audit eksternal; 7. Implementation of external audit functions;
8. Pe n e ra p a n m a n a j e m e n r i s i ko t e r m a s u k s i s t e m 8. Implementation of risk management, including internal
pengendalian internal; control systems;
9. Penyediaan dana kepada pihak terkait (related party) dan 9. Provision of funds to related parties and large exposures;
penyediaan dana besar (large exposure);
10. Transparansi kondisi keuangan dan non keuangan Bank, laporan 10. Transparency of the Bank’s financial and non financial
pelaksanaan tata kelola dan pelaporan internal; dan conditions, governance implementation reports, and internal
reporting; and
11. Rencana strategis Bank. 11. Bank’s strategic plan.
Assessment Penerapan Tata Kelola Perusahaan yang Assessment of Good Corporate Governance
Baik Tahun 2023 Implementation in 2023
Di tahun 2023, Allo Bank telah melakukan penilaian secara mandiri In 2023, Allo Bank’s internal parties carried out an independent
(self-assessment) yang dilakukan oleh pihak internal atas penerapan assessment (self-assessment) on the implementation of corporate
tata kelola perusahaan. Self-assessment ini dilakukan pada periode governance. This self-assessment was carried out in Semester I
Semester I 2023 dan Semester II 2023 dengan menggunakan 2023 and Semester II 2023 using the self-assessment paper method
metode kertas penilaian sendiri (self-assessment) sebagaimana diatur as regulated in POJK No. 17 of 2023 concerning Implementation
dalam POJK No. 17 Tahun 2023 tentang Penerapan Tata Kelola bagi of Governance for Commercial Banks, considering various
Bank Umum, dengan mempertimbangkan berbagai faktor penilaian assessment factors in a comprehensive and structured manner,
secara komprehensif dan terstruktur, yang mencakup governance which includes governance structure, governance process and
structure, governance process, dan governance outcome. governance outcomes.
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Penerapan dan
Kesesuaian atas Pedoman
Tata Kelola Perusahaan
Terbuka
Implementation and
Compatibility of Public Company
Governance Guidelines
Allo Bank telah melaksanakan dan berkomitmen Allo Bank has implemented and is committed to
untuk selalu mematuhi seluruh peraturan perundang- always complying with all laws and regulations
undangan maupun ketentuan yang dikeluarkan oleh issued by regulators. The Bank also seeks to make
regulator. Bank juga berupaya melakukan perbaikan improvements to create added value for shareholders
untuk menciptakan nilai tambah bagi pemegang and other stakeholders. The Bank always emphasizes all
saham dan para pemangku kepentingan lainnya. Bank its business activities on the principles of transparency,
senantiasa menekankan seluruh kegiatan usahanya accountability and the delivery of reasonable information
pada prinsip-prinsip transparansi, akuntabilitas, dan as a guide for business entities, especially considering
penyampaian informasi yang wajar sebagai pegangan the Bank’s status as a public company. Likewise, the
bagi entitas usaha, terutama mengingat status Bank rights of shareholders without exception, especially
sebagai sebuah perusahaan publik. Demikian pula minority shareholders, must be the concern of the
dengan hak pemegang saham tanpa terkecuali, relevant public company.
khususnya pemegang saham minoritas yang harus
menjadi perhatian dari perusahaan publik terkait.
Di samping dasar penerapan tata kelola yang telah In addition to the basic governance implementation
dijabarkan di atas, penerapan tata kelola perusahaan described above, the implementation of corporate
di Allo Bank juga berpedoman kepada Tata Kelola governance at Allo Bank is also guided by Public
Perusahaan Terbuka yang diatur berdasarkan Peraturan Company Governance which is regulated based on OJK
OJK No. 21/POJK.04/2015 tanggal 16 November 2015 Regulation No. 21/POJK.04/2015 dated 16 November
tentang Penerapan Pedoman Tata Kelola Perusahaan 2015 concerning the Implementation of Public
Terbuka, yang dijabarkan dalam Surat Edaran OJK Company Governance Guidelines, which are outlined
No. 32/SEOJK.04/2015 tanggal 17 November 2015 in OJK Circular Letter No. 32/SEOJK.04/2015 dated
tentang Pedoman Tata Kelola Perusahaan Terbuka. 17 November 2015 concerning Guidelines for Public
Pedoman tersebut yang memuat aspek, prinsip dan Company Governance. These guidelines, which contain
rekomendasi Tata Kelola Perusahaan yang Baik berguna aspects, principles and recommendations for Good
untuk mendorong penerapan praktik tata kelola sesuai Corporate Governance, are useful for encouraging
dengan praktik internasional yang patut diteladani the implementation of governance practices in
Perusahaan Terbuka. accordance with exemplary international practices
for Public Companies.
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Profil Perusahaan
Company Profile
Struktur Tata Kelola
Perusahaan yang Baik
Good Corporate Governance
Structure
Berdasarkan Undang-Undang No. 40 Tahun 2007 Based on Law no. 40 of 2007 concerning Limited
tentang Perseroan Terbatas, struktur tata kelola Liability Companies, the corporate governance structure
perusahaan secara garis besar terdiri dari 3 (tiga) generally consists of 3 (three) main organs, namely the
organ utama, yaitu Rapat Umum Pemegang Saham General Meeting of Shareholders (GMS), the Board
(RUPS), Dewan Komisaris dan Direksi. RUPS sendiri of Commissioners and the Board of Directors. The
merupakan forum tertinggi di perusahaan, sedangkan GMS itself is the highest forum in the company, while
keberadaan Dewan Komisaris dan Direksi merupakan the existence of the Board of Commissioners and
pengejawantahan dari sistem kepengurusan perusahaan Directors is an embodiment of the two-tier company
dua badan (two-tier system). management system (two-tier system).
Sementara, Dewan Komisaris bertindak sebagai Meanwhile, the Board of Commissioners acts as
pengawas dan pengarah, Direksi bertindak sebagai supervisor and director, while the Board of Directors
pengurus perusahaan sehari-hari. Dalam menjalankan acts as day-to-day management of the company. In
tugasnya, Dewan Komisaris turut dibantu oleh Komite carrying out its duties, the Board of Commissioners
Dewan Komisaris yang dibentuk untuk membantu dan is also assisted by the Board of Commissioners
meningkatkan fungsi pengawasan yang dijalankan oleh Committee which was formed to assist and improve
Dewan Komisaris, di antaranya Komite Audit, Komite the supervisory function carried out by the Board
Pemantau Risiko, dan Komite Remunerasi dan Nominasi. of Commissioners, including the Audit Committee,
Risk Oversight Committee, and Remuneration and
Nomination Committee.
Sementara itu, dalam melaksanakan tugasnya untuk Meanwhile, in carrying out its duties to manage and
mengelola dan mengendalikan operasional bisnis control business operations and be responsible for
serta bertanggung jawab atas implementasi GCG the implementation of GCG in the Bank, the Board of
di Bank, Direksi turut dibantu oleh sejumlah Komite Directors is also assisted by a number of Committees
di bawah Direksi, antara lain Komite Kredit, Komite under the Board of Directors, including the Credit
Kebijakan Perkreditan, Komite Aktiva dan Pasiva, Committee, Credit Policy Committee, Assets and
Komite Manajemen Risiko, Komite Pengarah Teknologi Liabilities Committee, Risk Management Committee,
Informasi, dan Komite Produk. Selain itu, Direksi juga Information Technology Steering Committee, and
dibantu oleh organ pendukung lain yang bersifat Product Committee. Apart from that, the Board of
struktural, yaitu Corporate Secretary & PMO dan Satuan Directors is also assisted by other structural supporting
Kerja Audit Internal (SKAI). organs, namely the Corporate Secretary & PMO and
the Internal Audit Work Unit (SKAI).
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RUPS
GMS
Dewan Komisaris Direksi
Board of Commissioners Director
Sekretaris Perusahaan
Komite Audit Komite Asset dan Liabilitas
Audit Committee Asset & Liability Committee dan PMO
Corporate Secretary and PMO
Komite Pemantau Risiko Komite Kredit Satuan Kerja Audit Internal
Risk Oversight Committee Credit Committee Internal Audit Working Unit
Komite Remunerasi Komite Kebijakan
& Nominasi Perkreditan
Remuneration &
Credit Policy Committee
Nomination Committee
Komite Manajemen Risiko
Risk Management Committee
Komite Pengarah
Teknologi Informasi
IT Steering Committee
Komite Produk
Product Committee
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Rapat Umum
Pemegang Saham
General Meeting of Shareholders
Struktur Pemegang Saham Shareholders Structure
Rapat Umum Pemegang Saham (RUPS) merupakan organ tertinggi The General Meeting of Shareholders (GMS) is the highest organ in
dalam struktur GCG Allo Bank yang berfungsi sebagai pengambil Allo Bank’s GCG structure which functions as the highest decision
keputusan tertinggi dalam Bank, dan memiliki wewenang yang maker in the Bank, and has authority that is not possessed by the
tidak dimiliki oleh Dewan Komisaris ataupun Direksi. RUPS juga Board of Commissioners or Directors. The GMS is also a means for
merupakan sarana bagi para pemegang saham untuk mengambil shareholders to make important and strategic decisions regarding
keputusan penting dan strategis terkait keberlanjutan jangka the long-term sustainability of the Bank, taking into account the
panjang Bank, dengan memperhatikan ketentuan Anggaran Dasar provisions of the Articles of Association and applicable laws
dan peraturan perundang-undangan yang berlaku, termasuk and regulations, including approving changes to the Articles of
menyetujui perubahan Anggaran Dasar, menyetujui laporan tahunan Association, approving the annual report and distributing dividends.
dan membagikan dividen. RUPS juga memiliki wewenang untuk The GMS also has the authority to appoint and dismiss members
menunjuk dan memberhentikan anggota Dewan Komisaris dan of the Board of Commissioners and Directors, delegate authority
Direksi, mendelegasikan wewenang kepada Dewan Komisaris dan to the Board of Commissioners and Directors and make decisions
Direksi serta mengambil keputusan terkait tindakan Bank yang regarding Bank actions that require shareholder approval.
membutuhkan persetujuan pemegang saham.
Dasar Hukum Penyelenggaraan RUPS Legal Basis for Holding GMS
Penyelenggaran RUPS mengacu pada sejumlah peraturan The holding of the GMS refers to a number of statutory regulations,
perundang-undangan, di antaranya: including:
1. Undang-Undang No. 40 tahun 2007 tentang Perseroan Terbatas. 1. Law of the Republic of Indonesia No. 40 of 2007 concerning
Limited Liability Companies.
2. Peraturan Otoritas Jasa Keuangan No. 15/POJK.04/2020 2. Financial Services Authority Regulation No. 15/POJK.04/2020
tentang Perencanaan dan Pelaksanaan Rapat Umum Pemegang concerning Planning and Implementation of the General
Saham Perusahaan Publik. Meeting of Shareholders of Public Companies.
3. Peraturan Otoritas Jasa Keuangan No. 16/POJK.04/2020 3. Financial Services Authority Regulation No. 16/POJK.04/2020
tentang Pelaksanaan Rapat Umum Pemegang Saham concerning the Electronic Implementation of the General
Perusahaan Publik Secara Elektronik. Meeting of Shareholders of Public Companies.
Hak Pemegang Saham dalam RUPS Rights of the Shareholders at the GMS
Pemegang saham memiliki sejumlah hak dalam pelaksanaan RUPS Shareholders have a number of rights in implementing the GMS
sesuai ketentuan yang berlaku, di antaranya: in accordance with applicable regulations, including:
1. Pemegang saham berhak untuk hadir dalam RUPS baik sendiri 1. Shareholders have the right to attend the GMS either alone or
maupun diwakili berdasarkan surat kuasa. Pemegang saham represented based on a power of attorney. Shareholders who
yang berhak hadir dalam RUPS adalah pemegang saham yang are entitled to attend the GMS are shareholders whose names
namanya tercatat dalam daftar pemegang saham Bank 1 (satu) are recorded in the Bank’s shareholder register 1 (one) working
hari kerja sebelum pemanggilan RUPS. day before the invitation to the GMS.
2. Pemegang saham berhak memperoleh informasi mata acara 2. Shareholders have the right to obtain information on the GMS
RUPS dan bahan terkait mata acara RUPS sepanjang tidak agenda and materials related to the GMS agenda as long as it
bertentangan dengan kepentingan Bank. does not conflict with the interests of the Bank.
3. Pemegang saham atau kuasa mereka berhak untuk mengajukan 3. Shareholders or their proxies have the right to ask questions
pertanyaan dan/atau menyatakan pendapat/tanggapan and/or express opinions/responses in connection with the GMS
sehubungan dengan mata acara RUPS dan hal-hal lain yang agenda and other matters related to the relevant GMS agenda
berhubungan mata acara RUPS yang bersangkutan sebelum before a decision is made.
diadakan pengambilan keputusan.
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4. Pemegang saham berhak mengeluarkan suara dalam RUPS. 4. Shareholders have the right to vote at the GMS. Each share
Tiap saham memberi hak kepada pemegangnya untuk gives the holder the right to cast 1 (one) vote. If a shareholder
mengeluarkan 1 (satu) suara. Apabila seorang pemegang saham owns more than 1 (one) share, then he is only asked to vote 1
memiliki lebih dari 1 (satu) saham, maka ia hanya diminta untuk (one) time and his vote represents all the shares he owns or
memberikan suara 1 (satu) kali dan suaranya itu mewakili seluruh represents.s
saham yang dimilikinya atau diwakilinya.
Jenis-Jenis RUPS Types of GMS
Allo Bank memiliki 2 (dua) jenis RUPS, yakni RUPS Tahunan (RUPST) Allo Bank has 2 (two) types of GMS, namely the Annual GMS
dan RUPS Luar Biasa (RUPSLB). RUPST dapat diadakan sebanyak (AGMS) and Extraordinary GMS (EGMS). The AGM can be held 1
1 (satu) kali dalam setahun, sementara RUPSLB dapat diadakan (one) time a year, while the EGMS can be held at any time based
kapan saja berdasarkan kebutuhan Bank, di mana seluruh hasil on the Bank’s needs, where all GMS results and decisions will
dan keputusan RUPS akan diterapkan secara wajar dan transparan. be implemented fairly and transparently. However, the GMS and
Meski demikian, RUPS dan pemegang saham tidak berwenang shareholders are not authorized to intervene in the implementation
untuk melakukan intervensi dalam pelaksanaan tugas, fungsi, of the duties, functions and authority of the Board of Commissioners
dan otoritas Dewan Komisaris dan Direksi dalam menjalankan and Directors in carrying out their obligations and exercising
kewajibannya dan menggunakan haknya sesuai dengan Anggaran their rights in accordance with the Articles of Association and
Dasar dan peraturan yang berlaku. applicable regulations.
Penyelenggaraan RUPS Tahun 2023 GMS Implementation in 2023
Sepanjang tahun 2023, Allo Bank telah menyelenggarakan RUPS Throughout 2023, Allo Bank has held 1 GMS consisting of 1 (one)
sebanyak 1 kali yang terdiri dari 1 (satu) kali RUPS Tahunan. Bank Annual GMS. The Bank has appointed independent parties, namely
telah menunjuk pihak-pihak independen, yaitu Notaris, Konsultan Notaries, Legal Consultants and Securities Administration Bureaus
Hukum dan Biro Administrasi Efek untuk melakukan perhitungan to carry out calculations and/or validation and voting at the GMS.
dan/atau validasi dan pengambilan suara dalam RUPS. Adapun The details of the meeting along with the agenda and follow-up
rincian rapat beserta agenda dan tindak lanjut keputusannya dapat decisions can be seen as follows:
dilihat sebagai berikut:
RUPS Tahunan tanggal 19 Mei 2023
Annual GMS on 19 May 2023
Hari/Tanggal Jumat, 19 Mei 2023
Day/Date Friday, May 19, 2023
Waktu 14.00 - 15.45 WIB
Time 14.00 – 15.45 WIB (Western Indonesia Time)
Tempat Auditorium Menara Bank Mega Lantai 3
Venue
Kehadiran Dewan Komisaris | Board of Commissioners
Attendance • Komisaris Utama Independen | Independent President Commissioner : Aviliani
• Komisaris Independen | Independent Commissioner : Rosmaya
• Komisaris | Commissioner : Ali Gunawan
Direksi | Board of Directors
• Direktur Utama | President Director : Indra Utoyo
• Direktur | Director : Ari Yanuanto Asah
• Direktur | Director : Arief Tendeas
• Direktur | Director : Ganda Raharja Rusli
• Direktur | Director : Sajal Bhatnagar
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Jumlah Pemegang Saham yang Bertanya Kehadiran Para Pemegang Saham
Number of Shareholders Who Asked
Questions Dengan memperhatikan daftar pemegang saham per tanggal 26 April 2022, RUPS Tahunan telah
dihadiri atau diwakili oleh para pemegang saham yang memiliki 20.680.773.480 saham atau 95,17%
dari jumlah saham dengan hak suara yang sah yang telah dikeluarkan oleh Perseroan yang seluruhnya
berjumlah 21.730.256.442 saham.
RUPS Tahunan dipimpin oleh Aviliani selaku Komisaris Utama Independen. Dalam setiap pembahasan
agenda RUPS Tahunan, para pemegang saham telah diberikan kesempatan untuk menyampaikan
pandangannya dan/atau pertanyaan terkait dengan usulan agenda yang dibahas dalam RUPS
Tahunan. Walaupun terdapat satu pertanyaan terkait laporan keuangan Perseroan, tidak ada
pemegang saham yang menyampaikan pendapatnya pada saat pembahasan setiap agenda yang
diusulkan dalam RUPST. Keputusan atas keseluruhan agenda RUPS Tahunan diambil berdasarkan
musyawarah untuk mufakat.
Presence of Shareholders
Taking into account the list of shareholders as of April 26, 2022, the Annual GMS was attended or
represented by shareholders holding 20.680.773.48 shares or 95,17% of the total shares with valid
voting rights issued by the Company, which amounted to 21,730,256,442 shares in total.
The Annual GMS is chaired by Aviliani as Independent Main Commissioner. In each discussion of
the Annual GMS agenda, shareholders have been given the opportunity to express their views and/
or questions related to the proposed agenda discussed at the Annual GMS. Even though there was
one question regarding the Company's financial statements, no shareholders expressed their opinions
during the discussion of any proposed agenda at the AGMS. Decisions on the entire agenda of the
Annual GMS are taken based on deliberation to reach consensus.
Informasi Ketidakhadiran Dewan Seluruh Dewan Komisaris serta Direksi hadir dalam RUPS.
Komisaris dan Direksi dalam RUPS All of the Board of Commissioners and Board of Directors were present at the GMSs
Information on Attendance of the Board of
Commissioners and Directors at the GMS
Tahapan pelaksanaan RUPS Tahunan tanggal 19 Mei 2023 adalah The stages for implementing the Annual GMS on 19 May 2023
sebagai berikut: are as follows:
Kegiatan Tanggal Keterangan
Activity Date Remark
Pengumuman RUPS Tahunan 12 April 2023 Pengumuman pelaksanaan RUPS Tahunan kepada Pemegang Saham melalui
Annual GMS Announcement April 12, 2023 website PT Bursa Efek Indonesia (www.idx.co.id), situs web Bank (www.allobank.
com) dan situs website eASY.KSEI melalui https://akses.ksei.co.id
Announcement of the implementation of the Annual GMS to Shareholders via the
PT Bursa Efek Indonesia website (www.idx.co.id), the Bank website (www.allobank.
com) and the eASY.KSEI website via https://akses.ksei.co. Id
Pemanggilan RUPS Tahunan 27 April 2023 Pemanggilan RUPS Tahunan kepada Pemegang Saham melalui website PT Bursa
Invitation to the Annual GMS April 27, 2023 Efek Indonesia (www.idx.co.id), situs web Bank (www.allobank.com) dan situs
website eASY.KSEI melalui https://akses.ksei.co.id
Call for the Annual GMS to Shareholders via the PT Bursa Efek Indonesia website
(www.idx.co.id), the Bank website (www.allobank.com) and the eASY.KSEI website
via https://akses.ksei.co.id
Publikasi Ringkasan Risalah RUPS Tahunan 23 Mei 2023 Pemberitahuan publikasi Ringkasan Risalah RUPS Tahunan kepada Masyarakat
Publication of Summary of Annual GMS May 23, 2023 melalui website PT Bursa Efek Indonesia (www.idx.co.id), situs web Bank (www.
Minutes allobank.com) dan situs website eASY.KSEI melalui https://akses.ksei.co.id
Notification of the publication of the Summary of Annual GMS Minutes to the
Public via the PT Bursa Efek Indonesia website (www.idx.co.id), the Bank website
(www.allobank.com) and the eASY.KSEI website via https://akses.ksei.co.id
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Hasil Keputusan RUPS telah dituangkan dalam Akta Berita Acara The results of the GMS Decisions have been stated in the Deed of
RUPS Tahunan No. 07 tanggal 19 Mei 2023. Seluruh keputusan Minutes of the Annual GMS No. 07 dated May 19, 2023. All decisions
dalam RUPS dilakukan dengan musyawarah mufakat. Adapun hasil at the GMS were made by deliberation and consensus. The results
keputusan RUPS serta pelaksanaannya dan tindak lanjutnya oleh of the GMS decisions as well as their implementation and follow-up
Manajemen Bank hingga akhir tahun 2023 adalah sebagai berikut: by Bank Management until the end of 2023 are as follows:
Mata Acara Rapat dan Keputusannya serta Tindak Lanjut atas Hasil Keputusan Rapat
Meeting Agenda and Decisions, as well as Follow-up on Meeting Resolutions
1 Agenda Mata Acara 1
First Meeting Agenda
Persetujuan Laporan Direksi dan Laporan Pengawasan Dewan Komisaris serta Laporan Tahunan termasuk Pengesahan Laporan Keuangan Perseroan
untuk Tahun Buku yang berakhir tanggal 31 Desember 2022.
Approval of the Directors’ Report and the Board of Commissioners’ Supervision Report as well as the Annual Report including Ratification of the
Company’s Financial Report for the Fiscal Year ending December 31, 2022.
Keputusan Mata Acara 1
Decision of the First Meeting Agenda:
Dengan Pemungutan Suara
By Voting
Setuju Tidak Setuju Abstain Total Jumlah Suara Setuju
Pengambilan
Consenting Dissenting Total Number of
Keputusan
Consenting Votes
Decision Making
20.680.773.462 saham 18 saham atau Nihil 20.680.773.462 saham
atau 99,9999999% 0,0000001% Nil atau 99,9999999%
20,680,773,462 shares or 18 shares or 20,680,773,462 shares or
99.9999999% 0.0000001% 99.9999999%
1. Menerima baik dan menyetujui Laporan Direksi mengenai 1. Receive and approve the Directors’ Report regarding the
pengurusan Perseroan dan Laporan Pengawasan Dewan Komisaris management of the Company and the Board of Commissioners’
selama tahun buku 2022 serta Laporan Tahunan untuk tahun buku Supervision Report for the 2022 fiscal year as well as the Annual
yang berakhir pada tanggal 31 Desember 2022. Report for the fiscal year ending December 31, 2022.
2. Menerima dan mengesahkan Laporan Keuangan untuk Tahun Buku 2. Receive and approve the Financial Report for the Fiscal Year ending
yang berakhir pada tanggal 31 Desember 2022 yang termasuk December 31, 2022 which includes the Balance Sheet and Profit and
didalamnya Neraca dan perhitungan Laba-Rugi yang telah diaudit Loss calculations which have been audited by the Public Accounting
Kantor Akuntan Publik Kosasih, Nurdiyaman, Mulyadi, Tjahjo & Rekan Firm Kosasih, Nurdiyaman, Mulyadi, Tjahjo & Rekan with report No.
dengan laporannya No. 00114/2.1051/AU.1/07/0008-3/1/III/2023 00114/2.1051/AU.1/07/0008-3/1/III/2023 dated 8 March 2023.
tanggal 8 Maret 2023.
3. Memberikan pelunasan dan pembebasan tanggung jawab 3. Provide full repayment and release of responsibility to members of the
sepenuhnya kepada para anggota Direksi dan Dewan Komisaris atas Board of Directors and Board of Commissioners for the management
pengurusan dan pengawasan yang telah dijalankan selama tahun and supervision that has been carried out during the 2022 fiscal year
buku 2022 sepanjang tindakan-tindakan tersebut tercermin dalam as long as these actions are reflected in the Financial Report.
Laporan Keuangan tersebut.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2023:
Follow-up on the Results of Meeting Resolutions Until End of 2023:
Laporan Keuangan dan Laporan Tahunan telah disampaikan kepada OJK The Financial Report and Annual Report have been submitted to the OJK
dan Bursa Efek Indonesia melalui Sistem Pelaporan Elektronik, dan telah and the Indonesian Stock Exchange via the Electronic Reporting System,
dipublikasikan melalui situs website Perseroan. and have been published on the Company’s website.
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2 Agenda Mata Acara 2
Second Meeting Agenda:
Penetapan Penggunaan Laba Bersih Perseroan untuk Tahun Buku yang berakhir pada tanggal 31 Desember 2022.
Determination of the Use of the Company’s Net Profit for the Fiscal Year ending December 31, 2022.
Keputusan Mata Acara 2
Decision of the Second Meeting Agenda:
Dengan Pemungutan Suara
By Voting
Setuju Tidak Setuju Abstain Total Jumlah Suara Setuju
Pengambilan
Consenting Dissenting Total Number of
Keputusan
Consenting Votes
Decision Making
20.680.773.462 saham 18 saham atau Nihil 20.680.773.462 saham
atau 99,9999999% 0,0000001% Nil atau 99,9999999%
20,680,773,462 shares or 18 shares or 20,680,773,462 shares or
99.9999999% 0.0000001% 99.9999999%
Menetapkan seluruh Laba Bersih Perseroan tahun buku 2022 yaitu Determining the entire Net Profit of the Company for the 2022 Fiscal
sebesar Rp 270.029.411.193 (Dua Ratus Tujuh Puluh Miliar Dua Puluh year, namely IDR 270,029,411,193 (Two Hundred Seventy Billion Twenty
Sembilan Juta Empat Ratus Sebelas Ribu Seratus Sembilan Puluh Tiga Nine Million Four Hundred Eleven Thousand One Hundred Ninety Three
Rupiah) digunakan sebagai berikut: Rupiah) is used as follows:
1. Sebesar Rp 29.411.193 (Dua Puluh Sembilan Juta Empat Ratus 1. An amount of IDR 29,411,193 (Twenty Nine Million Four Hundred
Sebelas Ribu Seratus Sembilan Puluh Tiga Rupiah) disisihkan sebagai Eleven Thousand One Hundred Ninety Three Rupiah) is set aside as
dana cadangan guna memenuhi ketentuan Pasal 70 UUPT; dan reserve funds to fulfill the provisions of Article 70 of the Company
Law; And
2. Sisanya sebesar Rp 270.000.000.000 (Dua Ratus Tujuh Puluh Miliar 2. The remaining IDR 270,000,000,000 (Two Hundred and Seventy
Rupiah) akan dibukukan sebagai laba ditahan. Billion Rupiah) will be recorded as retained earnings.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2023:
Follow-up on the Results of Meeting Resolutions Until End of 2023:
Bank telah menetapkan penggunaan laba bersih sesuai dengan hasil The Bank has determined the use of net profit in accordance with the
keputusan Rapat Umum Pemegang Saham Tahunan dalam pembukuan results of the decision of the Annual General Meeting of Shareholders in
keuangan Bank. the Bank’s financial books.
3 Agenda Mata Acara 3
Third Meeting Agenda:
Laporan Direksi atas Rencana Kerja (Business Plan) Perseroan Tahun 2023 dan Laporan Rencana Aksi Keuangan Berkelanjutan
The Board of Directors’ Report on the Company’s Business Plan for 2023 and Report on the Sustainable Financial Action Plan.
Untuk mata acara Rapat Ketiga ini tidak mengambil keputusan Rapat karena sifatnya hanya untuk dikomunikasikan kepada para Pemegang Saham.
For the agenda of the Third Meeting, no resolutions are made at the Meeting because they are only intended to be communicated to Shareholders.
4 Agenda Mata Acara 4
Fourth Meeting Agenda:
Penunjukkan Kantor Akuntan Publik yang akan melakukan audit atas Laporan Keuangan Perseroan untuk Tahun Buku 2023.
Appointment of a Public Accounting Firm that will audit the Company’s Financial Report for the 2023 Financial Year.
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Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
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Sustainability Report 307
Keputusan Mata Acara 4
Decision of Fourth Meeting Agenda:
Dengan Pemungutan Suara
By Voting
Setuju Tidak Setuju Abstain Total Jumlah Suara Setuju
Pengambilan Consenting Dissenting Total Number of
Keputusan Consenting Votes
Decision Making
20.680.667.162 saham 106.318 saham atau Nihil 20.680.667.162 saham
atau 99,9994859% 0,0005141% Nil atau 99,9994859%
20,680,667,162 shares or
99.9994859% 106,318 shares or 20,680,667,162 shares or
0.0005141% 99.9994859%
Memberikan wewenang dan kuasa kepada Dewan Komisaris dan dengan Granting authority and power to the Board of Commissioners and taking
memperhatikan rekomendasi dari Komite Audit, untuk menunjuk Kantor into account recommendations from the Audit Committee, to appoint a
Akuntan Publik yang terdaftar di Otoritas Jasa Keuangan, yang akan Public Accounting Firm registered with the Financial Services Authority,
melakukan audit terhadap keuangan Perseroan tahun buku 2023, untuk which will conduct an audit of the Company’s finances for the 2023
mendapatkan auditor dengan kualitas dan harga terbaik. fiscal year, to obtain auditors with the best quality and price.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2023:
Follow-up on the Results of Meeting Resolutions Until End of 2023:
Penunjukan Kantor Akuntan Publik Amir Abadi Jusuf, Aryanto, Mawar The appointment of Public Accountant Firm Amir Abadi Jusuf, Aryanto,
& Rekan telah dilakukan oleh Dewan Komisaris dengan memperhatikan Mawar & Partners has been carried out by the Board of Commissioners
rekomendasi dari Komite Audit dan telah dilaporkan kepada OJK melalui taking into account recommendations from the Audit Committee and has
Surat No. 051/BBHI/X/2023 tertanggal 19 Oktober 2023. been reported to the OJK through Letter No. 051/BBHI/X/2023 dated
October 19, 2023.
5 Agenda Mata Acara 5
Fifth Meeting Agenda:
Penetapan Honorarium dan Tunjangan Lainnya bagi Direksi dan Dewan Komisaris Perseroan untuk Tahun 2023.
Determination of Honorarium and Other Benefits for the Company’s Directors and Board of Commissioners for 2023.
Keputusan Mata Acara 5
Decision of Fifth Meeting Agenda
Dengan Pemungutan Suara
By Voting
Setuju Tidak Setuju Abstain Total Jumlah Suara Setuju
Pengambilan Consenting Dissenting Total Number of
Keputusan Consenting Votes
Decision Making
20.680.773.462 saham 18 saham atau Nihil 20.680.773.462 saham
atau 99,9999999% 0,0000001% Nill atau 99,9999999%
20,680,773,462 shares or 18 shares or
99.9999999% 0.0000001% 20,680,773,462 shares or
99.9999999%
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2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
1. Menetapkan budget honorarium bagi seluruh anggota Dewan 1. Determine the honorarium budget for all members of the Board
Komisaris maksimal sebesar Rp385.000.000,- (Tiga Ratus Delapan of Commissioners at a maximum of IDR 385,000,000 (Three
Puluh Lima Juta Rupiah) per bulan, pajak ditanggung Perseroan, Hundred and Eighty Five Million Rupiah) per month, tax borne by
dan memberikan kuasa dan wewenang kepada Dewan Komisaris the Company, and give power and authority to the Company’s
Perseroan untuk menetapkan pembagiannya serta tunjangan lainnya Board of Commissioners to determine the distribution and other
bagi masing-masing anggota Dewan Komisaris, yang berlaku sampai allowances for each member of the Board of Commissioners, which
dengan diputuskan lain dalam Rapat Umum Pemegang Saham is valid until otherwise decided at the next Annual General Meeting
Tahunan berikutnya. of Shareholders.
2. Menyetujui pemberian kuasa dan wewenang kepada Dewan 2. Approved the granting of power and authority to the Board of
Komisaris untuk dan atas nama Rapat menetapkan gaji dan tunjangan Commissioners for and on behalf of the Meeting to determine
lainnya bagi masing-masing anggota Direksi Perseroan. salaries and other allowances for each member of the Company’s
Board of Directors.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2023:
Follow-up on the Results of Meeting Resolutions Until End of 2023
Penetapan gaji anggota Direksi dan honorarium anggota Dewan Determination of salaries for members of the Board of Directors and
Komisaris untuk tahun buku yang berakhir pada tanggal 31 Desember honorarium for members of the Board of Commissioners for the fiscal
2023 telah dilakukan oleh Dewan Komisaris. year ending December 31, 2023 has been carried out by the Board
of Commissioners.
6 Agenda Mata Acara 6
Sixth Meeting Agenda:
Laporan dan Pertanggungjawaban Realisasi Penggunaan Dana Hasil Penawaran Umum Terbatas III (PUT III).
Report and Accountability for the Realization of Use of Funds from Limited Public Offering III (PUT III).
Keputusan Mata Acara 6
Decision of Sixth Meeting Agenda
Dengan Pemungutan Suara
By Voting
Setuju Tidak Setuju Abstain Total Jumlah Suara Setuju
Pengambilan Consenting Dissenting Total Number of
Keputusan Consenting Votes
Decision Making
20.680.773.462 saham 18 saham atau Nihil 20.680.773.462 saham
atau 99,9999999% 0,0000001% Nil atau 99,9999999%
20,680,773,462 shares or 18 saham atau 20.680.773.462 saham
99.9999999% 0,0000001% atau 99,9999999%
Menerima dan menyetujui Laporan dan Pertanggungjawaban Perseroan Receive and approve the Company’s Report and Accountability for the
atas Realisasi Penggunaan Dana Hasil Penawaran Umum Terbatas III Realization of Use of Funds from Limited Public Offering III for positions
untuk posisi per tanggal Rapat. as of the Meeting date.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2023:
Follow-up on the Results of Meeting Resolutions Until End of 2023
Bank telah mempertanggungjawabkan realisasi penggunaan dana hasil The Bank has been responsible for the realization of the use of funds
penawaran umum termasuk pelaporannya kepada OJK melalui Sarana from the public offering including reporting it to the OJK via Electronic
Pelaporan Elektronik sesuai dengan ketentuan dalam POJK No. 30/ Reporting Means in accordance with the provisions in POJK No. 30/
POJK.04/2015 tentang Laporan Realisasi Penggunaan Dana Hasil POJK.04/2015 concerning Report on the Realization of Use of Public
Penawaran Umum. Offering Proceeds
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Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 309
7Perubahan Anggaran Dasar Perseroan.
Changes to the Company’s Articles of Association
Agenda Mata Acara 7
Seventh Meeting Agenda:
Keputusan Mata Acara 7
Decision of Seventh Meeting Agenda
Dengan Pemungutan Suara
By Voting
Setuju Tidak Setuju Abstain Total Jumlah Suara Setuju
Pengambilan Consenting Dissenting Total Number of
Keputusan Consenting Votes
Decision Making
20.678.295.790 saham 2.477.690 saham atau Nihil 20.678.295.790 saham
atau 99,9880194% 0,0119806% Nill atau 99,9880194%
20,678,295,790 shares or 2,477,690 shares or 20,678,295,790 shares or
99.9880194% 0.0119806% 99.9880194%
1. Menyetujui perubahan dan penyesuaian kembali Anggaran Dasar 1. Approve changes and readjustments to the Company’s Articles of
Perseroan, guna menyesuaikan dengan ketentuan peraturan Association, in order to conform to the provisions of applicable laws
perundang-undangan yang berlaku. and regulations.
2. Menyetujui pemberian kuasa dan wewenang kepada Direksi 2. Approved the granting of power and authority to the Company’s
Perseroan untuk melakukan perubahan atas ketentuan Anggaran Board of Directors to make changes to the provisions of the Articles
Dasar dimaksud sesuai dengan keputusan Rapat, menyatakan of Association in accordance with the Meeting’s decision, stating the
keputusan Rapat ini dalam akta notaris termasuk untuk menyusun decision of this Meeting in a notarial deed including to re-arrange
kembali seluruh ketentuan anggaran dasar dalam satu akta notaris all provisions of the articles of association in one notarial deed if
jika diperlukan, serta untuk mengurus persetujuan dan pelaporan necessary, as well as to arrange approval and reporting changes to
perubahan anggaran dasar tersebut ke Menteri Hukum dan Hak the articles of association to the Minister of Law and Human Rights
Asasi Manusia Republik Indonesia dan melakukan setiap tindakan of the Republic of Indonesia and taking any actions necessary to
yang diperlukan untuk terlaksananya perubahan ketentuan anggaran implement changes to the provisions of the Company’s articles
dasar Perseroan. of association.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2023:
Follow-up on the Results of Meeting Resolutions Until End of 2023
Anggaran Dasar Bank telah diubah sebagaimana dinyatakan dalam Akta The Bank’s Articles of Association have been amended as stated in
No. 01 tanggal 14 Juni 2023 yang telah memperoleh persetujuan dari Deed No. 01 dated June 14, 2023 which has received approval from
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia tanggal 12 the Minister of Law and Human Rights of the Republic of Indonesia
Juli 2023 No. AHU-0039698.AH.01.02.Tahun 2023 dan pemberitahuan dated July 12, 2023 No. AHU-0039698.AH.01.02.Year 2023 and
atas perubahan anggaran dasarnya telah diterima serta dicatat oleh notification of changes to its articles of association has been received
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia sesuai surat and recorded by the Minister of Law and Human Rights of the Republic
tertanggal 12 Juli 2023 No. AHU-AH.01.03-0090650. of Indonesia in accordance with letter dated July 12, 2023 No. AHU-
AH.01.03-0090650.
Penyelenggaraan RUPS Tahun 2022 Holding of The 2022 GMS
Sepanjang tahun 2022, Allo Bank telah menyelenggarakan RUPS Throughout 2022, Allo Bank held 1 (one) Annual GMS. The Bank has
sebanyak 1 (satu) kali RUPS Tahunan. Bank telah menunjuk pihak- appointed independent parties, namely Notaries, Legal Consultants
pihak independen, yaitu Notaris, Konsultan Hukum dan Biro and Securities Administration Bureaus to carry out calculations and/
Administrasi Efek untuk melakukan perhitungan dan/atau validasi or validation and voting at the GMS. The details of the meeting along
dan pengambilan suara dalam RUPS. Adapun rincian rapat beserta with the agenda and follow-up decisions can be seen as follows:
agenda dan tindak lanjut keputusannya dapat dilihat sebagai berikut:
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RUPS tanggal 19 Mei 2022 tentang Rapat Umum Pemegang Saham Tahunan 2022
GMS dated 19 May 2022 concerning the 2022 Annual General Meeting of Shareholders
Hari/Tanggal Kamis, 19 Mei 2022
Day/Date Thursday, May 19, 2023
Waktu 14.00 WIB – selesai
Time 14.00 WIB – Finished
Tempat Auditorium Menara Bank Mega Lantai 3
Venue Auditorium of Bank Mega Tower, 3rd Floor
Kehadiran Dewan Komisaris | Board of Commissioners
Attendance Komisaris Independen | Independent Commissioner : Robertus Soedaryatmo Yosowidagdo
Komisaris | Commissioner : Ali Gunawan
Direksi | Board of Directors
Direktur | Director : Ari Yanuanto Asah
Direktur | Director : Arief Tendeas
Direktur | Director : Ganda Raharja Rusli
Dengan memperhatikan daftar pemegang saham per tanggal 26 April 2022, RUPS Tahunan telah
dihadiri atau diwakili oleh para pemegang saham yang memiliki 21.157.007.051 saham atau 97,36%
dari jumlah saham dengan hak suara yang sah yang telah dikeluarkan oleh Perseroan yang seluruhnya
berjumlah 21.730.256.442 saham.
RUPS Tahunan dipimpin oleh Ali Gunawan selaku Komisaris Perseroan. Dalam setiap pembahasan
agenda RUPS Tahunan, para pemegang saham telah diberikan kesempatan untuk menyampaikan
pandangannya dan/atau pertanyaan terkait dengan usulan agenda yang dibahas dalam RUPS
Tahunan. Tidak ada pemegang saham yang mengajukan pertanyaan dan/atau menyampaikan
pendapatnya pada saat pembahasan setiap agenda yang diusulkan dalam RUPST. Keputusan atas
keseluruhan agenda RUPS Tahunan diambil berdasarkan musyawarah untuk mufakat.
Taking into account the list of shareholders as of April 26 2022, the Annual GMS was attended or
represented by shareholders who own 21,157,007,051 shares or 97.36% of the total number of shares
with valid voting rights issued by the Company, totaling 21,730. 256,442 shares.
The Annual GMS was chaired by Ali Gunawan as Commissioner of the Company. In each discussion
of the Annual GMS agenda, shareholders have been given the opportunity to express their views
and/or questions related to the proposed agenda discussed at the Annual GMS. No shareholders
asked questions and/or expressed their opinions during the discussion of each proposed agenda at
the AGMS. Decisions on the entire agenda of the Annual GMS are taken based on deliberation to
reach consensus.
Informasi Ketidakhadiran Dewan Komisaris Seluruh Dewan Komisaris dan Direksi hadir dalam RUPS
dan Direksi dalam RUPS All of the Board of Commissioners and Board of Directors were present at the GMSs
Information on Attendance of the Board of
Commissioners and Directors at the GMS
Hasil Keputusan RUPS telah dituangkan dalam Akta Berita Acara The results of the GMS Decisions have been stated in the Deed
Rapat Umum Pemegang Saham Tahunan No. 02 tanggal 19 of Minutes of the Annual General Meeting of Shareholders No.
Mei 2022. Seluruh keputusan dalam RUPS dilakukan dengan 02 dated May 19, 2022. All decisions at the GMS are made by
musyawarah mufakat. Adapun hasil keputusan RUPS serta deliberation and consensus. The results of the GMS decisions as
pelaksanaannya dan tindak lanjutnya oleh Manajemen Bank hingga well as their implementation and follow-up by Bank Management
akhir tahun 2022 adalah sebagai berikut: until the end of 2022 are as follows:
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Analisis dan Pembahasan Manajemen
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Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 311
Mata Acara Rapat dan Keputusannya serta Tindak Lanjut atas Hasil Keputusan Rapat
Meeting Agenda, Resolution and the Follow-up of the Meeting Resolution
1 Agenda Mata Acara 1
First Meeting Agenda:
Persetujuan Laporan Direksi dan Laporan Pengawasan Dewan Komisaris serta Pengesahan Laporan Tahunan Perseroan untuk Tahun Buku yang
berakhir tanggal 31 Desember 2021.
Approval of the Directors’ Report and Board of Commissioners’ Supervision Report and Ratification of the Company’s Annual Report for the Fiscal
year ending December 31, 2021.
Keputusan Mata Acara 1
Decision of First Meeting Agenda
Tidak ada yang bertanya dalam Mata Acara Rapat Pertama.
No inquiry was made during the First Meeting Agenda.
Dengan Pemungutan Suara
By Voting
Setuju Tidak Setuju Abstain
Pengambilan
Consenting Dissenting
Keputusan
Decision Making 21.148.794.351 Saham atau 60.200 saham atau 0,0002845% 8.152.500 saham atau
99,9611821% 0,0385333%
60,200 shares or 0.0002845%
21,148,794,351 Shares or 8,152,500 shares or 0.0385333%
99.9611821%
Menerima baik dan menyetujui Laporan Direksi mengenai pengurusan Accept and approve the Board of Directors’ Report regarding the
Perseroan selama tahun buku 2021 dan Laporan Pengawasan Dewan management of the Company during the 2021 fiscal year and the
Komisaris untuk tahun buku yang berakhir pada tanggal 31 Desember Board of Commissioners’ Supervision Report for the fiscal year ending
2021 termasuk menerima dan mengesahkan Laporan Keuangan Tahun December 31, 2021 including receiving and ratifying the 2021 Fiscal
Buku 2021 yang termasuk didalamnya Neraca dan perhitungan Laba year Financial Report which includes the Balance Sheet and Profit and
Rugi yang telah diaudit Kantor Akuntan Publik Kosasih, Nurdiyaman, Loss calculations which have been audited by the Accounting Firm
Mulyadi, Tjahjo & Rekan dengan laporannya No. 00051/2.1051/ Public Kosasih, Nurdiyaman, Mulyadi, Tjahjo & Partners with report No.
AU.1/07/0008-2/1/II/2022 tanggal 8 Februari 2022 serta memberikan 00051/2.1051/AU.1/07/0008-2/1/II/2022 dated February 8, 2022 and
pelunasan dan pembebasan tanggung jawab sepenuhnya kepada para providing full repayment and release of responsibility to members of the
anggota Direksi dan Dewan Komisaris atas pengurusan dan pengawasan Board of Directors and Board of Commissioners for the management
yang telah dijalankan selama tahun buku tahun 2021 sepanjang and supervision that has been carried out during the 2021 fiscal year as
tindakan-tindakan tersebut tercermin dalam Laporan Keuangan tersebut. long as these actions are reflected in the Financial Report.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2022:
Follow-up on the Results of Meeting Resolutions Until End of 2022:
Laporan Keuangan dan Laporan Tahunan telah disampaikan kepada OJK The Financial Statements and Annual Report have been submitted to the
dan Bursa Efek Indonesia melalui Sistem Pelaporan Elektronik, dan telah OJK and the Indonesia Stock Exchange through the Electronic Reporting
diunggah pada situs website Perseroan. System, and have been uploaded to the Company’s website.
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Profil Perusahaan
Company Profile
2 Agenda Mata Acara 2
Second Meeting Agenda:
Penetapan Penggunaan Laba Bersih Perseroan untuk Tahun Buku yang berakhir pada tanggal 31 Desember 2021.
Determination of the use of the Company’s net profit for the Fiscal Year ending on December 31, 2021.
Keputusan Mata Acara 2
Decision of the Second Metting Agenda:
Tidak ada yang bertanya dalam Mata Acara Rapat Kedua
No inquiry was made during the Second Meeting Agenda.
Dengan Pemungutan Suara
By Voting
Setuju Tidak Setuju Abstain
Pengambilan Consenting Dissenting
Keputusan
Decision Making 21.147.804.551 saham atau 1.050.000 saham atau 8.152.500 saham atau
99,9565038% 0,0049629% 0,0385333%
21,147,804,551 shares or 1,050,000 shares or 0.0049629% 8,152,500 shares or 0.0385333%
99.9565038%
Penetapan Penggunaan Laba Bersih Perseroan untuk Tahun Buku yang Determination of the Use of the Company’s Net Profit for the Fiscal
berakhir pada tanggal 31 Desember 2021 sebesar Rp192.474.618.193,- Year ending December 31, 2021 in the amount of IDR 192,474,618,193
(seratus sembilan puluh dua miliar empat ratus tujuh puluh empat juta (one hundred ninety-two billion four hundred seventy four million six
enam ratus delapan belas ribu seratus sembilan puluh tiga Rupiah) hundred eighteen thousand one hundred ninety three Rupiah) is utilized
digunakan sebagai berikut: as follows:
1. sebesar Rp24.618.193,- (dua puluh empat juta enam ratus delapan 1. An amount of IDR 24,618,193, - (twenty four million six hundred
belas ribu seratus sembilan puluh tiga Rupiah) disisihkan sebagai eighteen thousand one hundred and ninety three Rupiah) set aside as
dana cadangan guna memenuhi ketentuan Pasal 70 UUPT; dan a reserve funds to comply with the provisions of Article 70 UUPT; and
2. sisanya sebesar Rp192.450.000.000,- (seratus sembilan puluh dua 2. The remaining amount of IDR 192,450,000,000 (one hundred
miliar empat ratus lima puluh juta Rupiah) akan dibukukan sebagai and ninety two billion, four hundred and fifty million Rupiah) will be
laba ditahan. recorded as retained earnings.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2022:
Follow-up on the Results of Meeting Resolutions Until End of 2022:
Bank telah menetapkan penggunaan laba bersih sesuai dengan hasil The bank has determined the allocation of net profit in accordance with
keputusan Rapat Umum Pemegang Saham Tahunan dalam pembukuan the resolution of the Annual General Meeting of Shareholders in the
keuangan Bank. bank’s financial statements.
3 Agenda Mata Acara 3
Third Meeting Agenda:
Laporan Direksi atas Rencana Kerja (Business Plan) Perseroan Tahun 2022 dan Laporan Rencana Aksi Keuangan Berkelanjutan
The Board of Directors’ Report on the Company’s Business Plan for 2022 and Report on the Sustainable Financial Action Plan.
Keputusan Mata Acara 3
Decision of Third Meeting Agenda:
Tidak ada yang bertanya dalam Mata Acara Rapat Ketiga. Dalam agenda ini tidak mengambil keputusan Rapat karena sifatnya hanya untuk
dikomunikasikan kepada Pemegang Saham.
No one asked questions in the Third Meeting Agenda. This agenda does not take decisions at the Meeting because it is only to be communicated
to Shareholders.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2022:
Follow-up on the Results of Meeting Resolutions Until End of 2022:
N/A
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Laporan Keberlanjutan
Sustainability Report 313
4 Agenda Mata Acara 4
Fourth Meeting Agenda:
Penetapan Honorarium dan Tunjangan Lainnya Bagi Direksi dan Dewan Komisaris Perseroan untuk Tahun 2022.
Determination of Honorarium and Other Allowances for the Board of Directors and Board of Commissioners of the Company for the Year 2022.
Keputusan Mata Acara 4:
Decision of the fourth meeting Agenda:
Tidak ada yang bertanya dalam Mata Acara Rapat Keempat
No inquiry was made during the Fourth Meeting Agenda.
Dengan Pemungutan Suara
By Voting
Setuju Tidak Setuju Abstain
Pengambilan Consenting Dissenting
Keputusan
Decision Making 21.147.746.680 saham atau 60.371 saham atau 0,0002853% 9.200.000 saham atau
99,9562302% 0,0434844%
60,371 shares or 0.0002853%
21,147,746,680 shares or 9,200,000 shares or 0.0434844%
99.9562302%
1. Menetapkan budget honorarium bersih bagi seluruh anggota 1. Determine the net honorarium budget for all members of the Board of
Dewan Komisaris maksimal sebesar Rp350.000.000,- (tiga ratus Commissioners of a maximum of IDR 350,000,000 (three hundred
lima puluh juta Rupiah) per bulan, pajak ditanggung Perseroan, and fifty million Rupiah) per month, taxes borne by the Company, and
dan memberikan kuasa dan wewenang kepada Dewan Komisaris give power and authority to the Company’s Board of Commissioners
Perseroan untuk menetapkan pembagiannya serta tunjangan lainnya to determine the distribution and other allowances for each each
bagi masing masing anggota Dewan Komisaris, yang berlaku sampai member of the Board of Commissioners, which is valid until otherwise
dengan diputuskan lain dalam Rapat Umum Pemegang Saham decided at the next Annual General Meeting of Shareholders.
Tahunan berikutnya.
2. Menyetujui pemberian kuasa dan wewenang kepada Dewan 2. Approved the granting of power and authority to the Board of
Komisaris untuk dan atas nama Rapat menetapkan gaji dan tunjangan Commissioners for and on behalf of the Meeting to determine
lainnya bagi masing-masing anggota Direksi Perseroan. salaries and other allowances for each member of the Company’s
Board of Directors.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2022:
Follow-up on the Results of Meeting Resolutions Until End of 2022:
Penetapan gaji anggota Direksi dan honorarium anggota Dewan The determination of the salaries of the Board of Directors and
Komisaris untuk tahun buku yang berakhir pada tanggal 31 Desember the honorarium for the Board of Commissioners for the fiscal year
2022 telah dilakukan oleh Dewan Komisaris. ended on December 31, 2022, has been carried out by the Board
of Commissioners.
5 Agenda Mata Acara 5
Fifth Meeting Agenda:
Penunjukkan Kantor Akuntan Publik yang akan melakukan audit atas Laporan Keuangan Perseroan untuk Tahun Buku 2022.
Appointment of Public Accounting Firm to conduct an audit on the Company’s Financial Statements for the 2022 Fiscal Year.
Keputusan Mata Acara 5
Decision of Fifth Meeting Agenda:
Tidak ada yang bertanya dalam Mata Acara Rapat Kelima
No inquiry was made during the Fifth Meeting Agenda.
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Dengan Pemungutan Suara
By Voting
Setuju Tidak Setuju Abstain
Pengambilan Keputusan Consenting Dissenting
Decision Making
21.146.181.580 saham atau 2.672.800 saham atau 8.152.671 saham atau 0,0385341%
99,9488327% 0,01263332% 8,152,671 shares or 0.0385341%
2,672,800 shares or 0.01263332%
21,146,181,580 shares or
99.9488327%
Memberikan wewenang dan kuasa kepada Dewan Komisaris dan dengan Granting authority and power to the Board of Commissioners and taking
memperhatikan rekomendasi dari Komite Audit, untuk menunjuk Kantor into account recommendations from the Audit Committee, to appoint a
Akuntan Publik yang terdaftar di Otoritas Jasa Keuangan, yang akan Public Accounting Firm registered with the Financial Services Authority,
melakukan audit terhadap keuangan Perseroan tahun buku 2022, untuk which will conduct an audit of the Company’s finances for the 2022
mendapatkan auditor dengan kualitas dan harga terbaik. fiscal year, to obtain auditors with the best quality and price.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2022:
Follow-up on the Results of Meeting Resolutions Until End of 2022:
Penunjukan Kantor Akuntan Publik Kosasih, Nurdiyaman, Mulyadi, Tjahjo The appointment of the Public Accounting Firm Kosasih, Nurdiyaman,
dan Rekan (firma anggota jaringan Crowe Global) telah dilakukan oleh Mulyadi, Tjahjo and Partners (a member firm of the Crowe Global
Dewan Komisaris dengan memperhatikan rekomendasi dari Komite Audit network) has been made by the Board of Commissioners, taking into
dan telah dilaporkan kepada OJK melalui Surat No. 114/BBHI/X/2022 account the recommendations of the Audit Committee and has been
tertanggal 18 Oktober 2022. reported to the Financial Services Authority through Letter No. 114/
BBHI/X/2022 dated October 18, 2022.
6 Agenda Mata Acara 6
Sixth Meeting Agenda:
Persetujuan Pengalihan Aset dan Liabilitas Perseroan kepada PT Bank Mega Tbk yang merupakan pihak yang terafiliasi sebagaimana dimaksud
dalam Peraturan Otoritas Jasa Keuangan No.42/POJK.04/2020 tentang Transaksi Afiliasi dan Transaksi Benturan Kepentingan dan memiliki nilai
yang material sebagaimana dimaksud dalam Peraturan Otoritas Jasa Keuangan No. 17/POJK.04/2020 tentang Transaksi Material dan Perubahan
Kegiatan Usaha.
Approval for the Transfer of the Company’s Assets and Liabilities to PT Bank Mega Tbk, which is an affiliated party as referred to in Financial Services
Authority Regulation No. 42/POJK.04/2020 regarding Affiliated Transactions and Conflict of Interest Transactions, and has a material value as
referred to in Financial Services Authority Regulation No. 17/POJK.04/2020 regarding Material Transactions and Changes in Business Activities.
Keputusan Mata Acara 6
Decision of Sixth Meeting Agenda
Tidak ada yang bertanya dalam Mata Acara Rapat Keenam
No inquiry was made during the Sixth Meeting Agenda
Dengan Pemungutan Suara
By Voting
Setuju Tidak Setuju Abstain
Pengambilan Consenting Dissenting
Keputusan
Decision Making 7.503.897.609 saham atau 12.540 saham atau 0,0001551% 8.152.671 atau 0,1008332%
92,8091366%
12,540 shares or 0.0001551% 8,152,671 or 0.1008332%
7,503,897,609 shares or
92.8091366%
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1. Menyetujui pengalihan Aset dan Liabilitas Perseroan kepada PT 1. Approved the transfer of the Company’s Assets and Liabilities to PT
Bank Mega Tbk yang merupakan pihak yang terafiliasi sebagaimana Bank Mega Tbk, which is an affiliated party as referred to in Financial
dimaksud dalam Peraturan Otoritas Jasa Keuangan No. 42/ Services Authority Regulation No. 42/POJK.04/2020 regarding
POJK.04/2020 tentang Transaksi Afiliasi dan Transaksi Benturan Affiliated Transactions and Conflict of Interest Transactions, and has a
Kepentingan dan memiliki nilai yang material sebagaimana dimaksud material value as referred to in Financial Services Authority Regulation
dalam Peraturan Otoritas Jasa Keuangan No. 17/POJK.04/2020 No. 17/POJK.04/2020 regarding Material Transactions and Changes
tentang Transaksi Material dan Perubahan Kegiatan Usaha; dan in Business Activities; and
2. Pemberian kuasa dan wewenang dengan substitusi kepada Direksi 2. Granted power and authority with substitution to the Board of
Perseroan termasuk namun tidak terbatas untuk melakukan segala Directors of the Company, including but not limited to taking
tindakan untuk pelaksanaan pengalihan aset dan liabilitas Perseroan all necessary actions for the implementation of the transfer of
kepada PT Bank Mega Tbk dengan memperhatikan peraturan the Company’s Assets and Liabilities to PT Bank Mega Tbk, in
perundang-undangan yang berlaku. accordance with applicable laws and regulations.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2022:
Follow-up on the Results of Meeting Resolutions Until End of 2022:
Tujuan agar Bank dapat lebih fokus pada pengembangan produk dan In order for the Bank to be more focused on developing digital banking
layanan perbankan digital, Bank telah menyelesaikan pengalihan aset products and services, the Bank has completed the transfer of certain
dan liabilitas tertentu yang terkait dengan layanan bank konvensional assets and liabilities related to conventional banking services to PT Bank
kepada PT Bank Mega Tbk dimana detail pengalihan tersebut telah Mega Tbk, where the details of the transfer have been reported in the
dilaporkan dalam Laporan Keuangan Bank. Bank’s Financial Statements.
7 Agenda Mata Acara 7
Seventh Meeting Agenda:
Laporan dan Pertanggungjawaban Realisasi Penggunaan Dana Hasil Penawaran Umum.
Report and Accountability for the Realization of the Use of Proceeds from Public Offering.
Keputusan Mata Acara 7
Decision of Seventh Meeting Agenda:
Tidak ada yang bertanya dalam Mata Acara Rapat Ketujuh
No inquiry was made during the Seventh Meeting Agenda
Dengan Pemungutan Suara
By Voting
Setuju Tidak Setuju Abstain
Pengambilan Consenting Dissenting
Keputusan
Decision Making 21.148.794.180 saham atau 2.500 saham atau 0,00000118% 8.210.371 atau 0,0388069%
99,9611813%
2,500 shares or 0.00000118% 8,210,371 or 0.0388069%
21,148,794,180 shares or
99.9611813%
Menerima dan menyetujui Laporan dan Pertanggungjawaban Perseroan Received and approved the Company’s Report and Accountability for the
atas Realisasi Penggunaan Dana Hasil Penawaran Umum untuk posisi per Realization of the Use of Proceeds from Public Offering as of the date of
tanggal Rapat. the Meeting.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2022:
Follow-up on the Results of Meeting Resolutions Until End of 2022:
Bank telah mempertanggungjawabkan realisasi penggunaan dana hasil The Bank has accounted for the realization of the use of proceeds
penawaran umum termasuk pelaporannya kepada OJK melalui Sarana from public offering, including reporting to OJK through the Electronic
Pelaporan Elektronik sesuai dengan ketentuan dalam POJK No. 30/ Reporting Facility, in accordance with the provisions of POJK No. 30/
POJK.04/2015 tentang Laporan Realisasi Penggunaan Dana Hasil POJK.04/2015 concerning Reports on the Realization of the Use of
Penawaran Umum. Proceeds from a Public Offering.
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8Perubahan Susunan Pengurus Perseroan.
Changes in the Composition of the Company’s Management.
Agenda Mata Acara 8
Eighth Meeting Agenda:
Keputusan Mata Acara 8
Decision of Eighth Meeting Agenda:
Tidak ada yang bertanya dalam Mata Acara Rapat Kedelapan
No inquiry was made during the Seventh Meeting Agenda
Dengan Pemungutan Suara
By Voting
Setuju Tidak Setuju Abstain
Pengambilan Consenting Dissenting
Keputusan
Decision Making 21.148.565.411 saham atau 279.100 saham atau 0,0013192% 8.162.540 saham atau
99,9601000% 0,0385808%
279,100 shares or 0.0013192%
21,148,565,411 shares or 8,162,540 shares or 0.0385808%
99.9601000%
1. Menyetujui pengangkatan Ibu Dra. Aviliani MSi. sebagai Komisaris 1. Approved the appointment of Mrs. Dra. Aviliani MSi. as the President
Utama (Independen) Perseroan, Ibu Rosmaya sebagai Komisaris Commissioner (Independent) of the Company, Mrs. Rosmaya as
(Independen) Perseroan, Bapak Ir. Indra Utoyo MSc. sebagai the Commissioner (Independent) of the Company, Mr. Ir. Indra
Direktur Utama Perseroan dan Bapak Sajal Bhatnagar sebagai Utoyo MSc. as the President Director of the Company, and Mr. Sajal
Direktur Perseroan, serta memberhentikan dengan hormat Bapak Bhatnagar as the Director of the Company, and respectfully dismissed
Robertus Soedaryatmo Yosowidagdo sebagai Komisaris (Independen) Mr. Robertus Soedaryatmo Yosowidagdo as the Commissioner
Perseroan, dengan ketentuan sebagai berikut: (Independent) of the Company, with the following provisions:
a. Pengangkatan Ibu Dra. Aviliani MSi. sebagai Komisaris Utama a. The appointment of Mrs. Dra. Aviliani MSi as the President
(Independen) Perseroan, Bapak Ir. Indra Utoyo MSc. sebagai Commissioner (Independent) of the Company, Mr. Ir. Indra
Direktur Utama Perseroan dan Bapak Sajal Bhatnagar sebagai Utoyo MSc. As the President Director of the Company, and Mr.
Direktur Perseroan akan berlaku efektif setelah yang bersangkutan Sajal Bhatnagar as the Director of the Company will be effective
lulus uji kepatutan dan kelayakan oleh Otoritas Jasa Keuangan. after they have passed the fit and proper test by the Financial
Services Authority.
b. Pengangkatan Ibu Rosmaya sebagai Komisaris (Independen) b. The appointment of Mrs. Rosmaya as Commissioner
Perseroan akan berlaku efektif setelah bulan Juli 2022 dan yang (Independent) of the Company will be effective after July 2022
bersangkutan telah lulus uji kepatutan dan kelayakan oleh Otoritas and after she has passed the fit and proper test by the Financial
Jasa Keuangan Services Authority.
c. Pemberhentian dengan hormat Bapak Robertus Soedaryatmo c. The honorable dismissal of Mr. Robertus Soedaryatmo
Yosowidagdo sebagai Komisaris (Independen) Perseroan akan Yosowidagdo as Commissioner (Independent) of the Company
berlaku efektif setelah Ibu Dra. Aviliani MSi. sebagai Komisaris will be effective after Mrs. Dra. Aviliani MSi. as the President
Utama (Independen) Perseroan atau Ibu Rosmaya sebagai Commissioner (Independent) of the Company or Mrs. Rosmaya as
Komisaris (Independen) telah lulus uji kepatutan dan kelayakan Commissioner (Independent) has passed the fit and proper test by
oleh Otoritas Jasa Keuangan. the Financial Services Authority.
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2. Setelah pengangkatan dan pemberhentian tersebut berlaku efektif 2. After the appointment and dismissal become effective, the
maka susunan pengurus Perseroan berubah menjadi sebagai berikut: composition of the Company’s management will be as follows:
Dewan Komisaris: The Board of Commissioners:
• Komisaris Utama (Independen) : Dra. Aviliani MSi. • President Commissioner (Independent) : Dra. Aviliani MSi.
• Komisaris (Independen) : Rosmaya • Commissioner (Independent) : Rosmaya
• Komisaris : Ali Gunawan • Commissioner : Ali Gunawan
Direksi: The Board of Directors:
• Direktur Utama : Ir. Indra Utoyo MSc. • President Director : Ir. Indra Utoyo MSc.
• Direktur : Ari Yanuanto Asah • Director : Ari Yanuanto Asah
• Direktur : Arief Tendeas • Director : Arief Tendeas
• Direktur : Ganda Raharja Rusli • Director : Ganda Raharja Rusli
• Direktur : Sajal Bhatnagar • Director : Sajal Bhatnagar
3. Memberi kuasa kepada Direksi Perseroan untuk menyatakan 3. Authorized the Board of Directors of the Company to declare the
keputusan Rapat ini dalam akta notaris, membuat penegasan resolutions of this Meeting in a notarial deed, to make a statement of
perubahan susunan pengurus dalam akta notaris apabila the changes of the management composition in a notarial deed when
pengangkatan seluruh pengurus tersebut telah berlaku efektif serta the appointment of all of the aforementioned management members
melaporkan perubahan susunan pengurus Perseroan kepada instansi has become effective, and to report the changes in the composition
yang berwenang. of the Company’s management to the competent authority.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2022:
Follow-up on the Results of Meeting Resolutions Until End of 2022:
1. Sdri. Aviliani telah memperoleh persetujuan OJK atas penilaian Uji 1. Ms. Aviliani has obtained approval from OJK for the assessment
Kemampuan dan Kepatutan sebagaimana dinyatakan dalam surat of the Fit and Proper Test as stated in letter No. Kep-24/PB.1/2022
No. Kep-24/PB.1/2022 tanggal 9 Juni 2022 tentang Hasil Penilaian dated June 9, 2022 regarding the Results of the Assessment of the
Kemampuan dan Kepatutan Sdri. Aviliani selaku Calon Komisaris Fit and Proper Test of Ms. Aviliani as the Candidate for President
Utama Independen PT Allo Bank Indonesia Tbk. Commissioner (Independent) of PT Allo Bank Indonesia Tbk.
2. Sdri. Rosmaya telah memperoleh persetujuan OJK atas penilaian Uji 2. Ms. Rosmaya has obtained OJK’s approval for the assessment of the
Kemampuan dan Kepatutan sebagaimana dinyatakan dalam surat No. Fit and Proper Test as stated in letter No. Kep-41/PB.1/2022 dated
Kep-41/PB.1/2022 tanggal 16 Agustus 2022 tentang Hasil Penilaian August 16, 2022 concerning the Results of the Fit and Proper Test of
Kemampuan dan Kepatutan Sdri. Rosmaya selaku Calon Komisaris Ms. Rosmaya as the Candidate for Independent Commissioner of PT
Independen PT Allo Bank Indonesia Tbk. Allo Bank Indonesia Tbk.
3. Sdr. Indra Utoyo telah memperoleh persetujuan OJK atas penilaian 3. Mr. Indra Utoyo has obtained OJK’s approval for the assessment of
Uji Kemampuan dan Kepatutan sebagaimana dinyatakan dalam surat the Fit and Proper Test as stated in letter No. Kep-23/PB.1/2022 dated
No. Kep-23/PB.1/2022 tanggal 9 Juni 2022 tentang Hasil Penilaian June 9, 2022 concerning the Results of the Fit and Proper Test of Mr.
Kemampuan dan Kepatutan Sdr. Indra Utoyo selaku Calon Direktur Indra Utoyo as the Candidate for President Director of PT Allo Bank
Utama PT Allo Bank Indonesia Tbk Indonesia Tbk.
4. Sdr. Sajal Bhatnagar telah memperoleh persetujuan OJK atas 4. Mr. Sajal Bhatnagar has obtained OJK’s approval for the assessment
penilaian Uji Kemampuan dan Kepatutan sebagaimana dinyatakan of the Fit and Proper Test as stated in letter No. Kep-40/PB.1/2022
dalam surat No. Kep-40/PB.1/2022 tanggal 16 Agustus 2022 tentang dated August 16, 2022 concerning the Results of Assessment of the
Hasil Penilaian Kemampuan dan Kepatutan Sdr. Sajal Bhatnagar Fit and Proper Test of Mr. Sajal Bhatnagar as the Candidate for Digital
selaku Calon Direktur Digital PT Allo Bank Indonesia Tbk Director of PT Allo Bank Indonesia Tbk.
Direksi Bank telah melakukan segala tindakan yang diperlukan berkaitan The Bank’s Board of Directors has taken all necessary actions related to
dengan keputusan mata acara ini sesuai dengan peraturan perundang- the decision of this meeting agenda in accordance with the applicable
undangan yang berlaku. laws and regulations.
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Company Profile
9Perubahan Tempat Kedudukan Perseroan.
Change of Company Domicile.
Agenda Mata Acara 9
Ninth Meeting Agenda:
Keputusan Mata Acara 9
Decision of Ninth Meeting Agenda:
Tidak ada yang bertanya dalam Mata Acara Rapat Kesembilan
No inquiry was made during the ninth Meeting Agenda
Dengan Pemungutan Suara
By Voting
Setuju Tidak Setuju Abstain
Pengambilan Consenting Dissenting
Keputusan
Decision Making 21.147.807.051 saham atau 1.047.500 saham atau 0,0049511% 8.152.500 saham atau
99,9565156% 0,0385333%
1,047,500 shares or 0.0049511%
21,147,807,051 shares or 8,152,500 shares or 0.0385333%
99.9565156%
Menyetujui perubahan tempat kedudukan Perseroan dari Asean Tower, Approved the change of the Company’s domicile from Asean Tower,
Jalan KH. Samanhudi No.10, Jakarta Pusat menjadi Menara Bank Mega Jalan KH. Samanhudi No.10, Central Jakarta to Bank Mega Tower 5th-
lantai 5-6, Jalan Kapten P. Tendean Kav.12-14A, Jakarta Selatan. 6th Floor, Jalan Kapten P. Tendean Kav.12-14A, South Jakarta.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2022:
Follow-up on the Results of Meeting Resolutions Until End of 2022:
Bank telah menyelesaikan relokasi kantor pusat ke Menara Bank Mega The Bank has successfully relocated its head office to Bank Mega Tower,
efektif pada tanggal 13 Juli 2022. Hal ini bertujuan untuk meningkatkan effective on July 13, 2022. This is intended to improve synergy,
sinergi, efisiensi dan mengoptimalkan kinerja Bank dalam ekosistem CT efficiency, and optimizing the Bank’s performance within the CT
Corpora. Corpora ecosystem.
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10
Perubahan Anggaran Dasar Perseroan.
Amendment of the Company’s Articles of Association.
Agenda Mata Acara 10
Tenth Meeting Agenda:
Keputusan Mata Acara 10
Decision of Tenth Meeting Agenda:
Tidak ada yang bertanya dalam Mata Acara Rapat Kesepuluh.
No inquiry was made during the Tenth Meeting Agenda.
Dengan Pemungutan Suara
By Voting
Setuju Tidak Setuju Abstain
Pengambilan Keputusan Consenting Dissenting
Decision Making
21.145.905.151 saham atau 21.145.905.151 saham atau 8.152.500 saham atau
99,9475261% 99,9475261% 0,0385333%
21,145,905,151 shares or 21,145,905,151 shares or 8,152,500 shares or 0.0385333%
99.9475261% 99.9475261%
1. Menyetujui perubahan Pasal 1 ayat 1 Anggaran Dasar Perseroan 1. Approved the amendment to Article 1 paragraph 1 of the Company’s
tentang tempat kedudukan Perseroan menjadi di Jakarta Selatan. Articles of Association regarding the domicile of the Company, which
is now located in South Jakarta.
2. Menyetujui perubahan Pasal 3 Anggaran Dasar Perseroan guna 2. Approved the amendment to Article 3 of the Company’s Articles of
menyesuaikan dengan Klasifikasi Baku Lapangan Usaha tahun Association in order to adjust to the 2020 Standard Classification of
2020 serta dengan tetap memperhatikan kegiatan usaha Bank Business Fields, while still taking into account the Commercial Bank’s
Umum sesuai dengan Undang-Undang Perbankan serta peraturan business activities in accordance with the Banking Law and related
pelaksanaan yang terkait. implementing regulations.
3. Menyetujui pemberian kuasa dan wewenang kepada Direksi 3. Approved the granting of power and authority to the Board of
Perseroan untuk melakukan perubahan atas ketentuan Pasal 1 ayat Directors of the Company to make amendments to Article 1
1 dan Pasal 3 Anggaran Dasar dimaksud sesuai dengan keputusan paragraph 1 and Article 3 of the Articles of Association in accordance
Rapat, menyatakan keputusan Rapat ini dalam akta notaris termasuk with the resolution of this Meeting, to declare this Meeting’s
untuk menyusun kembali seluruh ketentuan anggaran dasar dalam resolution in a notarial deed, including rearranging all provisions
satu akta notaris jika diperlukan serta untuk mengurus persetujuan of the Articles of Association in one notarial deed if necessary, and
dan pelaporan perubahan anggaran dasar tersebut ke Menteri arranging the approval and reporting of the amendments to the
Hukum dan Hak Asasi Manusia Republik Indonesia dan melakukan Articles of Association to the Minister of Law and Human Rights of
setiap tindakan yang diperlukan untuk terlaksananya perubahan the Republic of Indonesia, as well as to take any necessary actions
ketentuan anggaran dasar Perseroan. for the implementation of the amendment to the provisions of the
Company’s Articles of Association.
Tindak Lanjut atas Hasil Keputusan Hingga Akhir Tahun 2022:
Follow-up on the Results of Meeting Resolutions Until End of 2022:
Anggaran Dasar Bank telah diubah sebagaimana dinyatakan dalam Akta The Articles of Association of the Bank have been amended as stated in
No. 03 tanggal 19 Mei 2022 yang telah memperoleh persetujuan dari Deed No. 03 dated May 19, 2022, which has obtained approval from the
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia tanggal 27 Minister of Law and Human Rights of the Republic of Indonesia on May
Mei 2022 No. AHU-0035787.AH.01.02.Tahun 2022 dan pemberitahuan 27, 2022, with the registration No. AHU-0035787.AH.01.02.Tahun 2022.
atas perubahan anggaran dasarnya telah diterima serta dicatat oleh The notification of the amendment of the Articles of Association has been
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia sesuai surat received and recorded by the Minister of Law and Human Rights of the
tertanggal 27 Mei 2022 No. AHUAH.01.09-0016194. Republic of Indonesia according to the letter dated May 27, 2022, with
the reference No. AHU-AH.01.09-0016194.
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Dewan Komisaris
Board of Commissioners
Dewan Komisaris adalah Organ Bank yang bertugas untuk The Board of Commissioners is a Bank Organ whose task is to
melakukan pengawasan secara umum dan/atau khusus sesuai carry out general and/or specific supervision in accordance with
dengan Anggaran Dasar, memberikan nasihat kepada Direksi, the Articles of Association, provide advice to the Board of Directors,
serta memastikan bahwa Bank melaksanakan prinsip-prinsip GCG. and ensure that the Bank implements GCG principles. The Board
Dewan Komisaris bertanggung jawab kepada Pemegang Saham of Commissioners is responsible to the Shareholders in terms of
dalam hal mengawasi kebijakan Direksi terhadap operasional Bank supervising the Board of Directors’ policies regarding the Bank’s
secara umum yang mengacu kepada rencana bisnis yang telah operations in general which refer to the business plan that has been
disetujui Dewan Komisaris dan Pemegang Saham, serta memastikan approved by the Board of Commissioners and Shareholders, as well
kepatuhan terhadap seluruh peraturan dan perundang-undangan as ensuring compliance with all applicable laws and regulations.
yang berlaku.
Kriteria Dewan Komisaris Criteria for the Board of Commissioners
1. Setiap anggota Dewan Komisaris memenuhi persyaratan 1. Each member of the Board of Commissioners fulfills the fit
penilaian kemampuan dan kepatutan sesuai dengan Peraturan and proper test requirements in accordance with the OJK
OJK mengenai Penilaian Kemampuan dan Kepatutan bagi Regulation regarding Fit and Proper Test for the Board of
Dewan Komisaris dan Direksi, yaitu persyaratan integritas, Commissioners and Directors, namely the requirements
kompetensi dan reputasi keuangan. Persyaratan tersebut for integrity, competence, and financial reputation. These
harus dipenuhi Dewan Komisaris pada saat diangkat dan requirements must be fulfilled by the Board of Commissioners
selama menjabat. at the time of appointment and throughout their tenure.
2. Dewan Komisaris wajib memenuhi persyaratan integritas, 2. The Board of Commissioners must meet the integrity,
kompetensi dan reputasi keuangan sesuai dengan ketentuan competency, and financial reputation requirements in
yang berlaku. Persyaratan ini agar dimuat dalam surat accordance with applicable regulations. These requirements
pernyataan yang didokumentasikan oleh Bank dengan baik. should be included in a well-documented statement letter by
the Bank.
3. Persyaratan integritas yang dipenuhi, minimal sebagai berikut: 3. The integrity requirements that must be fulfilled are as follows:
a. Memiliki akhlak dan moral yang baik, paling sedikit a. Possess good morals and ethics, demonstrated at least
ditunjukan dengan sikap mematuhi ketentuan yang by complying with applicable regulations, including not
berlaku, termasuk tidak pernah dihukum karena terbukti having been convicted of a crime within a certain period
melakukan tindak pidana dalam jangka waktu tertentu before being nominated.
sebelum dicalonkan.
b. Cakap melakukan perbuatan hukum. b. Capable of carrying out legal actions.
c. Memiliki komitmen untuk mematuhi peraturan perundang- c. Have a commitment to comply with laws and regulations
undangan dan mendukung kebijakan regulator yang berlaku. and support the applicable regulatory policies.
d. Memiliki komitmen terhadap pengembangan operasional d. Have a commitment to the development of a healthy
Bank yang sehat. Bank operation.
e. Tidak sedang dalam proses hukum dan/atau proses uji e. Currently not in a legal process and/or a fit and proper test
kemampuan dan kepatutan pada suatu Bank. process at a Bank.
f. Tidak termasuk sebagai pihak yang dilarang untuk menjadi f. Does not work in a company that prohibits becoming a
Dewan Komisaris. member of the Board of Commissioners.
g. Memiliki komitmen untuk tidak melakukan dan/atau g. Have a commitment not to engage in and/or repeat certain
mengulangi perbuatan dan/atau tindakan tertentu, bagi actions or behaviors, for candidates for the Board of
calon Dewan Komisaris yang pernah memiliki predikat tidak Commissioners who previously failed the fit and proper test.
lulus dalam uji kemampuan dan kepatutan.
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4. Persyaratan Kompetensi yang harus dipenuhi, minimal: 4. The minimum competency requirements that must be
fulfilled are:
a. Memiliki pengetahuan di bidang perbankan dan/atau bidang a. Have knowledge in banking and/or finance that is adequate
keuangan yang memadai dan relevan dengan jabatannya; and relevant to the position.
b. Memiliki pengalaman dan keahlian di bidang perbankan b. Have experience and expertise in banking and/or finance.
dan/atau bidang keuangan;
c. Memiliki pengetahuan mengenai tugas dan tanggung jawab c. Have knowledge about the duties and responsibilities as
serta pemahaman mengenai kegiatan bisnis utama dan well as understanding the main business activities and main
risiko utama Bank; risks of the Bank.
d. Memiliki Sertifikat Manajemen Risiko minimal Jenjang 6 d. Have a Risk Management Certificate of at least Level 6 (six).
(enam).
5. Persyaratan reputasi keuangan yang harus dipenuhi, antara lain: 5. The financial reputation requirements that must be fulfilled,
among others:
a. Tidak memiliki kredit macet, dan a. Does not have non-performing loans, and
b. Tidak pernah dinyatakan pailit atau menjadi Dewan b. Never been declared bankrupt or served as a member
Komisaris yang dinyatakan bersalah menyebabkan suatu of the Board of Commissioners that was found guilty of
perseroan dinyatakan pailit dalam jangka waktu 5 (lima) causing a company to declare bankrupt within the last 5
tahun terakhir sebelum dicalonkan. (five) years before being nominated.
6. Tidak pernah menjadi anggota Dewan Komisaris yang 6. Never been a member of the Board of Commissioners who,
selama menjabat: during their tenure:
a. Pernah tidak menyelenggarakan Rapat Umum Pemegang a. Failed to hold the Annual General Meeting of Shareholders
Saham (RUPS) tahunan. (AGM).
b. Pertanggungjawabannya sebagai anggota Dewan b. Their accountability as a member of the Board of
Komisaris, pernah tidak diterima oleh RUPS atau pernah Commissioners was not accepted by the GMS or they
tidak memberikan pertanggungjawaban sebagai anggota failed to provide accountability as a member of the Board
Dewan Komisaris kepada RUPS. of Commissioners to the GMS.
c. Pernah menyebabkan perusahaan yang memperoleh izin, c. Caused a company that obtained a license, approval, or
persetujuan, atau pendaftaran dari Otoritas Jasa Keuangan registration from the Financial Services Authority (OJK) to
(OJK) tidak memenuhi kewajiban menyampaikan Laporan fail to fulfill its obligation to submit Annual Reports and/or
Tahunan dan/atau Laporan Keuangan kepada OJK. Financial Statements to the OJK.
Pengangkatan dan Pemberhentian Anggota Dewan The Appointment and Dismissal of Members of the
Komisaris Board of Commissioners
Ketentuan Pengangkatan Appointment Requirements
1. Anggota Dewan Komisaris diangkat berdasarkan keputusan 1. Members of the Board of Commissioners are appointed based
RUPS dengan memperhatikan rekomendasi komite yang on the decision of the GMS.
menjalankan fungsi nominasi.
2. Anggota Dewan Komisaris diangkat untuk masa jabatan tertentu 2. Members of the Board of Commissioners are appointed for a
dan dapat diangkat kembali saat masa jabatannya telah berakhir. certain term of office and may be reappointed when their term
of office has ended.
3. 1 (satu) periode masa jabatan anggota Dewan Komisaris paling 3. The maximum term of office for a member of the Board of
lama 3 (tiga) tahun atau sampai dengan penutupan RUPS Commissioners is 3 (three) years or until the closing of the
tahunan pada akhir 1 (satu) periode masa jabatan dimaksud. annual GMS at the end of the said term of office.
4. Komisaris baru yang merupakan tambahan dari jumlah anggota 4. With the addition of a new Commissioner to the previously
Dewan Komisaris sebelumnya, maka masa jabatan Komisaris existing number of members in the Board of Commissioners,
baru tersebut berakhir dalam waktu yang sama dengan anggota the term of office of the new Commissioner ends at the same
Dewan Komisaris lainnya yang masih menjabat. time as the other members of the Board of Commissioners
who are still in office.
5. Persyaratan atas pengangkatan Komisaris yang merupakan 5. The appointment of a Commissioner who is a Foreign Worker
Tenaga Kerja Asing harus memenuhi ketentuan tentang must comply with the provisions on the Utilization of Foreign
Pemanfaatan Tenaga Kerja Asing yang dikeluarkan oleh OJK Workers issued by the OJK and other related agencies.
dan instansi terkait lainnya.
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6. Setiap usulan penggantian dan/atau pengangkatan anggota 6. Every proposal for replacement and/or appointment of members
Dewan Komisaris kepada RUPS wajib memperhatikan of the Board of Commissioners to the GMS must take into
rekomendasi Komite yang menjalankan fungsi Nominasi. account the recommendations of the Committee which carries
out the Nomination function.
7. Anggota komite yang menjalankan fungsi nominasi yang 7. Committee members carrying out nomination functions who
memiliki benturan kepentingan wajib mengungkapkan dalam have a conflict of interest are required to disclose it in the
usulan yang direkomendasikan.Jika anggota Komite Remunerasi recommended proposal. If members of the Remuneration
dan Nominasi memiliki benturan kepentingan dengan usulan and Nomination Committee have a conflict of interest with
yang direkomendasikan, maka wajib diungkapkan dalam the recommended proposal, then they must disclose it in
usulan tersebut. the proposal.
8. Anggota Dewan Komisaris harus memenuhi persyaratan telah 8. Members of the Board of Commissioners must meet the
lulus Penilaian Kemampuan dan Kepatutan sesuai dengan requirements of having passed the Fit and Proper Test in
ketentuan OJK. accordance with OJK regulations.
9. Dewan Komisaris yang berasal dari Direksi atau Pejabat Eksekutif 9. Board of Commissioners who come from the Bank’s Board of
Bank atau pihak-pihak yang mempunyai hubungan dengan Directors or Executive Officers or parties that have a relationship
Bank, yang dapat mempengaruhi kemampuannya untuk with the Bank that may affect their ability to act independently,
bertindak independen, wajib menjalani masa tunggu (cooling must undergo a cooling-off period of 1 (one) year.
off) selama 1 (satu) tahun.
10. Honorarium dan/atau tunjangan Dewan Komisaris ditentukan 10. The honorarium and/or allowances of the Board of
oleh RUPS. Commissioners are determined by the GMS.
Ketentuan Pemberhentian Dismissal Requirements
1. Setiap pemberhentian dan/atau penggantian anggota Dewan 1. Every dismissal and/or replacement of members of the Board
Komisaris kepada RUPS wajib memperhatikan rekomendasi of Commissioners at the GMS must take into account the
komite yang menjalankan fungsi nominasi dan mengedepankan recommendations of the committee which carries out the
kepentingan utama dari Bank. nomination function and prioritizes the main interests of
the Bank.
2. Pemberhentian atau penggantian anggota Dewan Komisaris 2. Dismissal or replacement of a member of the Board of
sebelum periode masa jabatannya berakhir wajib memperhatikan Commissioners before the end of their term of office must
paling sedikit: take into account at least:
a. anggota Dewan Komisaris dinilai tidak mampu melaksanakan a. members of the Board of Commissioners are deemed
tugas dan tanggung jawab dalam pengelolaan dan unable to carry out their duties and responsibilities in the
pelaksanaan strategi Bank yang sehat; management and implementation of sound Bank strategies;
b. pemberhentian atau penggantian anggota Dewan Komisaris b. dismissal or replacement of members of the Board of
tidak didasarkan atas penilaian subjektif dari pemegang Commissioners is not based on the subjective assessment
saham, namun didasarkan dari penilaian yang objektif of shareholders, but is based on an objective assessment
terkait pengelolaan Bank; regarding the management of the Bank;
c. pemberhentian atau penggantian anggota Dewan Komisaris c. the dismissal or replacement of members of the Board
telah melalui perencanaan dan mekanisme yang berlaku, of Commissioners has gone through applicable planning
yang paling sedikit memperhatikan penilaian dari komite and mechanisms, which at least takes into account the
yang menjalankan fungsi nominasi dan telah diagendakan assessment of the committee that carries out the nomination
dalam RUPS; function and has been on the agenda at the GMS;
d. pemberhentian atau penggantian anggota Dewan Komisaris d. dismissal or replacement of members of the Board
tidak mengakibatkan terjadinya permasalahan dalam of Commissioners does not result in problems in the
pengorganisasian dan kegiatan usaha Bank; organization and business activities of the Bank;
e. pelaksanaan pemberhentian atau penggantian anggota e. The implementation of the dismissal or replacement of
Dewan Komisaris mengedepankan pola komunikasi yang members of the Board of Commissioners prioritizes good
baik dari berbagai pihak terkait; dan communication patterns from various related parties; And
f. dilakukan dengan mengedepankan penerapan Tata Kelola f. carried out by prioritizing the implementation of Good
yang Baik pada Bank dan aspek kehati-hatian. Governance in the Bank and prudential aspects.
3. Anggota Dewan Komisaris dapat mengundurkan diri dari 3. Members of the Board of Commissioners may resign from their
jabatannya sebelum masa jabatannya berakhir. positions before their term of office ends.
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4. Masa jabatan anggota Dewan Komisaris berakhir dengan 4. The term of office of a member of the Board of Commissioners
sendirinya apabila: ends automatically if:
a. Mengundurkan diri dengan pemberitahuan secara tertulis; a. Resign with written notification;
b. Tidak lagi memenuhi persyaratan perundang-undangan b. No longer meets applicable statutory requirements;
yang berlaku;
c. Meninggal dunia; c. Die;
d. Diberhentikan berdasarkan keputusan RUPS; d. Dismissed based on GMS decision;
e. Dinyatakan pailit atau ditaruh di bawah pengampunan e. Declared bankrupt or placed under amnesty based on a
berdasarkan suatu penetapan Pengadilan; Court decision;
f. Terbukti terlibat dalam kejahatan keuangan. f. Proven to be involved in financial crimes.
5. Komisaris berhak mengundurkan diri dari jabatannya dengan 5. The Commissioner has the right to resign from his position
memberitahukan secara tertulis kepada Bank selambat- by notifying the Bank in writing no later than 90 (ninety) days
lambatnya 90 (sembilan puluh) hari sebelum tanggal before the date of his resignation.
pengunduran dirinya.
6. Bank wajib menyelenggarakan RUPS untuk memutuskan 6. The Bank is required to hold a GMS to decide on the
permohonan pengunduran diri Komisaris dimaksud paling Commissioner’s resignation request no later than 90 (ninety)
lambat 90 (sembilan puluh) hari setelah diterimanya surat days after receipt of the resignation letter.
pengunduran diri tersebut.
7. Apabila Komisaris mengundurkan diri sehingga mengakibatkan 7. If the Commissioner resigns, resulting in the number of members
jumlah anggota Dewan Komisaris menjadi kurang dari 3 (tiga) of the Board of Commissioners becoming less than 3 (three)
orang, maka pengunduran diri tersebut sah apabila telah people, then the resignation is valid if it has been determined
ditetapkan dalam RUPS dan telah diangkat anggota Dewan at the GMS and new members of the Board of Commissioners
Komisaris yang baru sehingga memenuhi persyaratan minimal have been appointed so that it meets the minimum requirements
jumlah anggota Dewan Komisaris. for the number of members of the Board of Commissioners.
8. RUPS dapat mengangkat orang lain untuk mengisi jabatan 8. The GMS may appoint another person to fill the position of a
seorang Komisaris yang diberhentikan dari jabatannya atau Commissioner who is dismissed from office or to fill a vacancy.
untuk mengisi suatu lowongan. Masa jabatan seorang yang The term of office of a person appointed to replace a member
diangkat untuk menggantikan anggota Dewan Komisaris of the Board of Commissioners who has resigned or filled a
yang berhenti atau mengisi lowongan adalah selama sisa vacancy is for the remaining term of office of the member of the
jangka waktu masa jabatan anggota Dewan Komisaris yang Board of Commissioners who has been dismissed or replaced.
diberhentikan atau digantikan tersebut.
9. Otoritas Jasa Keuangan berwenang melakukan evaluasi 9. The Financial Services Authority has the authority to evaluate
terhadap keputusan pemberhentian atau penggantian anggota decisions to dismiss or replace members of the Board of
Dewan Komisaris yang dilakukan sebelum periode masa jabatan Commissioners made before the term of office of members
anggota Dewan Komisaris berakhir. of the Board of Commissioners ends.
10. Bank wajib melakukan keterbukaan informasi kepada masyarakat 10. Banks are required to disclose information to the public and
dan menyampaikan kepada OJK paling lambat 2 (dua) hari submit it to the OJK no later than 2 (two) working days after:
kerja setelah:
a. Diterimanya permohonan pengunduran diri anggota a. Acceptance of resignation requests from members of the
Dewan Komisaris. Board of Commissioners.
b. Dilakukan penyelenggaraan RUPS. b. A GMS was held.
Komposisi Dewan Komisaris Composition of the Board of Commissioners
1. Dewan Komisaris terdiri dari sedikitnya 3 (tiga) anggota dan 1. The Board of Commissioners consists of at least 3 (three)
paling banyak sama dengan jumlah anggota Direksi. members and a maximum of the same number of members
as the Board of Directors.
2. Dewan Komisaris dipimpin oleh Komisaris Utama atau 2. The Board of Commissioners is led by the President
Presiden Komisaris. Commissioner or President Commissioner.
3. Dewan Komisaris terdiri dari Komisaris dan Komisaris 3. The Board of Commissioners consists of Commissioners and
Independen. Paling kurang 50% (lima puluh persen) dari jumlah Independent Commissioners. At least 50% (fifty percent)
anggota Dewan Komisaris adalah Komisaris Independen. of the total members of the Board of Commissioners are
4. Paling kurang 1 (satu) anggota Komisaris wajib berdomisili Independent Commissioners.
di Indonesia. 4. At least 1 (one) Commissioner must reside in Indonesia.
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Masa Jabatan Dewan Komisaris Term of Office of the Board of Commissioners
Berdasarkan Anggaran Dasar Pasal 20 ayat 6, Dewan Based on Article 20 paragraph 6 of the Articles of Association,
Komisaris diangkat oleh RUPS untuk jangka waktu terhitung the Board of Commissioners is appointed by the GMS for a period
sejak pengangkatannya sampai penutupan RUPS tahunan starting from their appointment until the closing of the next third
ketiga berikutnya dengan tidak mengurangi hak RUPS untuk annual GMS without prejudice to the GMS’s right to dismiss them
memberhentikan sewaktu-waktu. at any time.
Susunan dan Dasar Pengangkatan Dewan Komisaris Composition and Basis of Appointment of the Board
Tahun 2023 of Commissioners in 2023
Per 31 Desember 2023, Allo Bank tidak mengalami perubahan pada As of December 31 2023, Allo Bank has experienced no changes to
susunan dan komposisi Dewan Komisaris. Adapun komposisi Dewan the composition of the Board of Commissioners. The composition of
Komisaris Bank pada tahun 2023 dapat dilihat sebagai berikut: the Bank’s Board of Commissioners in 2023 is presented as follows:
Periode
Nama Jabatan Dasar Pengangkatan Masa Jabatan
Jabatan
Name Position Legal Standing Term of Office
Period
Aviliani Komisaris Utama Independen RUPS Tahunan 19 Mei 2022 2022 - RUPS Tahunan Tahun 2025 Pertama
Independent President Annual GMS May 19, 2022 2022 - 2025 Annual GMS First
Commissioner
Rosmaya Komisaris Independen RUPS Tahunan 19 Mei 2022 2022 - RUPS Tahunan Tahun 2025 Pertama
Independent Commissioner Annual GMS May 19, 2022 2022 - 2025 Annual GMS First
Ali Gunawan Komisaris RUPS Tahunan 07 Mei 2022 2021 - RUPS Tahunan Tahun 2024 Pertama
Commissioner Annual GMS May 07, 2022 2021 - 2024 Annual GMS First
Profil masing-masing anggota Dewan Komisaris Allo Bank dapat A brief profile of each member of the Board of Commissioners
dilihat pada Bab Profil Perusahaan dalam Laporan Tahunan ini. can be seen in the Board of Commissioners Profile section, in the
Company Profile chapter of this Annual Report.
Penilaian kelayakan dan Kepatutan Dewan Komisaris Fit and Proper Assessment of the Board of
Commissioners
Seluruh calon anggota Dewan Komisaris wajib lulus dalam uji All prospective members of the Board of Commissioners are
kemampuan dan kepatutan (fit and proper test) dan memperoleh required to pass a fit and proper test and obtain approval from
persetujuan dari OJK sebelum menjalankan tugas dan fungsi sesuai the OJK before carrying out their duties and functions according
jabatannya. Hal tersebut telah diatur oleh Peraturan OJK No. 27/ to their position. This has been regulated by OJK Regulation no.
POJK.03/2016 tentang Uji Kemampuan dan Kepatutan (fit and 27/POJK.03/2016 concerning Fit and Proper Tests for Main Parties
proper test) bagi Pihak Utama Lembaga Jasa Keuangan. of Financial Services Institutions.
Adapun penjelasan status uji kemampuan dan kepatutan Dewan The explanation of the status of the fit and proper test of the Board
Komisaris Allo Bank yang menjabat hingga akhir tahun 2023 dapat of Commissioners of Allo Bank who served until the end of 2023
dilihat sebagai berikut: can be seen as follows:
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Nama Jabatan Persetujuan OJK terkait Uji Kemampuan dan Kepatutan
Status
Name Position OJK approval regarding Fit and Proper Test
Aviliani Komisaris Utama Lulus Keputusan Deputi Komisioner Pengawas Perbankan I Otoritas Jasa Keuangan No.
Independen Passed Kep-24/PB.1/2022 tanggal 9 Juni 2022 tentang Hasil Penilaian Kemampuan dan
Independent Kepatutan Ibu Aviliani selaku Calon Komisaris Utama Independen PT Allo Bank
President Indonesia Tbk.
Commissioner Decision of the Deputy Commissioner for Banking Supervision I of the Financial
Services Authority No. Kep-24/PB.1/2022 dated June 9, 2022 regarding the
Assessment Results of the Fit and Proper Test of Ms. Aviliani as Candidate for
Independent President Commissioner of PT Allo Bank Indonesia Tbk.
Rosmaya Komisaris Lulus Keputusan Deputi Komisioner Pengawas Perbankan I Otoritas Jasa Keuangan No.
Independen Passed Kep-41/PB.1/2022 tanggal 16 Agustus 2022 tentang Hasil Penilaian Kemampuan
Independent dan Kepatutan Ibu Rosmaya selaku Calon Komisaris Independen PT Allo Bank
Commissioner Indonesia Tbk.
The decision of Deputy Commissioner for Banking Supervision I of the Financial
Services Authority No. Kep-41/PB.1/2022 dated August 16, 2022 regarding the
Assessment Results of the Fit and Proper Test of Ms. Rosmaya as a Candidate for
Independent Commissioner of PT Allo Bank Indonesia Tbk.
Ali Gunawan Komisaris Lulus Keputusan Deputi Komisioner Pengawas Perbankan I Otoritas Jasa Keuangan No.
Commissioner Passed KEP-49/PB.1/2021 Tanggal 13 Juli 2021 tentang Hasil Penilaian Kemampuan dan
Kepatutan Bapak Ali Gunawan selaku Anggota Dewan Komisaris PT Allo Bank
Indonesia Tbk.
The decision of Deputy Commissioner for Banking Supervision I of the Financial
Services Authority No. KEP-49/PB.1/2021 dated July 13, 2021 regarding the
Assessment Results of the Fit and Proper Test of Mr. Ali Gunawan as a Member of
the Board of Commissioners of PT Allo Bank Indonesia Tbk.
Pedoman Kerja Dewan Komisaris Work Guidelines of Board of Commissioners
Allo Bank telah memiliki Buku Panduan bagi Dewan Komisaris yang Allo Bank has a Guidebook for the Board of Commissioners which
berfungsi sebagai panduan dalam memahami peraturan-peraturan functions as a guide in understanding the regulations relating to
terkait tata kerja Dewan Komisaris yang telah ditetapkan dalam the work procedures of the Board of Commissioners which have
BOC Charter, yang disusun berdasarkan prinsip-prinsip hukum been stipulated in the BOC Charter, which is prepared based
korporasi, ketentuan Anggaran Dasar, peraturan dan ketentuan on the principles of corporate law, the provisions of the Articles
perundang-undangan yang berlaku, arahan Pemegang Saham, of Association, regulations and statutory provisions. applicable,
serta praktik-praktik terbaik (best practices) GCG. Shareholder directions, as well as GCG best practices.
BOC Charter ini diharapkan dapat mempermudah Dewan Komisaris The BOC Charter is expected to help the Board of Commissioners
memahami peraturan-peraturan yang terkait dengan tata kerja understand the regulations related to the work procedures of the
Dewan Komisaris, menghilangkan praktik pengambilan keputusan Board of Commissioners, eliminate the practice of making decisions
berdasarkan kebiasaan (yang tidak tertulis) serta memperjelas based on habits (which are not written) and clarify the level of
tingkat akuntabilitas dalam pengambilan keputusan. Aspek yang accountability in decision making. Aspects regulated in the BOC
diatur dalam BOC Charter meliputi: Charter include:
1. Persyaratan Anggota Dewan Komisaris; 1. Requirements for Members of the Board of Commissioners;
2. Persyaratan Komisaris Independen; 2. Requirements for Independent Commissioners;
3. Pengangkatan Anggota Dewan Komisaris; 3. Appointment of Members of the Board of Commissioners;
4. Pemberhentian Anggota Dewan Komisaris; 4. Dismissal of Members of the Board of Commissioners;
5. Komposisi Dewan Komisaris; 5. Composition of the Board of Commissioners;
6. Rangkap Jabatan Anggota Dewan Komisaris; 6. Concurrent Position as Member of the Board of Commissioners;
7. Transparansi, Independensi, dan Etika Jabatan Dewan Komisaris; 7. Transparency, Independence and Ethics of the Board
of Commissioners;
8. Tugas, Tanggung Jawab dan Wewenang Dewan Komisaris; 8. Duties, Responsibilities and Authorities of the Board
of Commissioners;
9. Kehadiran dan Waktu Kerja Dewan Komisaris; 9. Attendance and working hours of the Board of Commissioners;
10. Tata Tertib Rapat Dewan Komisaris; 10. Rules and Regulations for Board of Commissioners Meetings;
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11. Penilaian Kinerja Dewan Komisaris; 11. Performance Assessment of the Board of Commissioners;
12. Komite Pendukung Tugas Dewan Komisaris; 12. Duties Supporting Committee of the Board of Commissioners;
13. Pelaporan. 13. Reporting.
Tugas, Tanggung Jawab, dan Wewenang Dewan Duties, Responsibilities and Authorities of the Board
Komisaris of Commissioners
1. Tugas dan tanggung jawab Dewan Komisaris: 1. Duties and responsibilities of the Board of Commissioners:
a. Mengarahkan, memantau dan mengevaluasi kebijakan a. Direct, monitor and evaluate the Bank’s strategic policies
strategis Bank agar sesuai dengan tujuan Bank dengan so that they are in line with the Bank’s objectives by paying
memperhatikan ketentuan dan peraturan yang berlaku attention to the rules and regulations applicable to the
pada industri perbankan. banking industry.
b. Memastikan Direksi telah melaksanakan prinsip kehati- b. Ensure that the Board of Directors has implemented the
hatian dalam kegiatan usaha Bank. principle of prudence in the Bank’s business activities.
c. Memastikan terselenggaranya pelaksanaan Prinsip Tata c. Ensure the implementation of Good Governance Principles
Kelola yang Baik dalam setiap kegiatan usaha Bank pada in every Bank business activity at all organizational levels.
seluruh tingkatan/jenjang organisasi.
d. Memastikan penerapan manajemen risiko telah memadai d. Ensure that the implementation of risk management is
sesuai dengan kebijakan manajemen risiko dan strategi adequate in accordance with risk management policies
manajemen risiko. and risk management strategies.
e. Memastikan bahwa Direksi telah menindaklanjuti temuan e. Ensure that the Board of Directors has followed up on audit
audit dan rekomendasi dari SKAI, auditor eksternal, findings and recommendations from SKAI, external auditors,
hasil pemeriksaan OJK, Bank Indonesia dan/atau hasil OJK, Bank Indonesia audit results and/or supervision results
pengawasan otoritas lainnya. from other authorities.
f. Melakukan evaluasi pelaksanaan fungsi kepatuhan Bank f. Evaluate the implementation of the Bank’s compliance
paling kurang 2 (dua) kali dalam satu tahun dengan function at least 2 (two) times a year by providing suggestions
memberikan saran-saran dalam rangka meningkatkan in order to improve the quality of the implementation of the
kualitas pelaksanaan fungsi kepatuhan Bank kepada Bank’s compliance function to the President Director with a
Direktur Utama dengan tembusan kepada Direktur yang copy to the Director in charge of the compliance function.
membawahkan fungsi kepatuhan.
g. Menumbuhkan budaya kepatuhan dan budaya anti fraud g. Fostering a culture of compliance and anti-fraud culture
pada seluruh jajaran organisasi. at all levels of the organization.
2. Dewan Komisaris tidak diperkenankan terlibat dalam 2. The Board of Commissioners is not permitted to be involved in
pengambilan keputusan kegiatan operasional Bank, kecuali making decisions on the Bank’s operational activities, except
untuk penyediaan dana kepada pihak terkait dan hal-hal yang for the provision of funds to related parties and matters
diatur dalam Anggaran Dasar Bank atau peraturan perundang- regulated in the Bank’s Articles of Association or applicable
undangan yang berlaku. laws and regulations.
3. Wewenang Dewan Komisaris: 3. Authority of the Board of Commissioners:
a. Memeriksa semua pembukuan, surat dan alat bukti lainnya. a. Examine all books, letters and other evidence.
b. Memeriksa dan mencocokan keadaan uang kas, surat b. Check and verify the condition of cash, securities and others.
berharga dan lain-lain.
c. Mengetahui segala tindakan yang telah dijalankan c. Know all actions that have been carried out by the Board
oleh Direksi. of Directors.
d. Memasuki bangunan dan halaman atau tempat lain yang d. Enter buildings and grounds or other places used or
dipergunakan atau yang dikuasai oleh Bank. controlled by the Bank.
e. Meminta Direksi dan/atau pejabat lainnya untuk memberikan e. Ask the Directors and/or other officials to provide explanations
penjelasan tentang segala hal yang berhubungan dengan regarding all matters relating to Bank management.
pengelolaan Bank.
f. Meminta Direksi dan/atau pejabat lainnya di bawah Direksi, f. Request the Directors and/or other officials under the
dengan sepengetahuan Direksi, untuk menghadiri rapat Directors, with the knowledge of the Directors, to attend
Dewan Komisaris. meetings of the Board of Commissioners.
g. Menghadiri rapat Direksi dan memberikan pandangan g. Attend Board of Directors meetings and provide views on
pandangan terhadap hal-hal yang dibicarakan dalam rapat. matters discussed at meetings.
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h. Memberitahukan kepada OJK atas pelanggaran peraturan h. Notify OJK of violations of laws and regulations in the
perundang-undangan di bidang keuangan dan perbankan; financial and banking sector; and/or circumstances or
dan/atau keadaan atau perkiraan keadaan yang dapat predicted circumstances that could endanger the continuity
membahayakan kelangsungan usaha Bank. of the Bank’s business.
i. Menetapkan Batasan nilai perbuatan hukum Direksi yang i. Determine limits on the value of the Board of Directors’
memerlukan persetujuan tertulis Dewan Komisaris. legal actions that require written approval from the Board
of Commissioners.
j. Memberikan putusan terhadap usulan perbuatan hukum j. Provide decisions on proposed legal actions by the
Direksi yang memerlukan persetujuan Dewan Komisaris. Board of Directors that require approval from the Board
of Commissioners.
k. Memberikan tanggapan tertulis untuk memberikan k. Provide written responses to provide opinions and
pendapat dan saran kepada RUPS atas usulan perbuatan suggestions to the GMS regarding proposed legal actions
hukum yang akan dilaksanakan oleh Direksi yang akan to be implemented by the Board of Directors which will be
diajukan kepada RUPS untuk mendapat persetujuan. submitted to the GMS for approval.
l. Komisaris melalui rapat Dewan Komisaris, berdasarkan l. The Commissioners, through a meeting of the Board of
suara terbanyak berhak memberhentikan untuk sementara Commissioners, based on the majority vote, have the right
seorang atau lebih anggota Direksi dari jabatannya apabila to temporarily dismiss one or more members of the Board of
anggota Direksi tersebut bertindak bertentangan dengan Directors from their positions if the members of the Board
Anggaran Dasar dan/atau peraturan perundang-undangan of Directors act contrary to the Articles of Association and/
yang berlaku. or applicable laws and regulations.
m. Pemberhentian tersebut harus diberitahukan kepada yang m. The termination must be notified to the person concerned
bersangkutan disertai dengan alasannya. along with the reasons.
n. Menunjuk salah seorang Direktur untuk menjalankan n. Appoint one of the Directors to carry out the vacant Director’s
pekerjaan Direktur yang lowong dengan memperhatikan work with due observance of applicable regulations.
ketentuan yang berlaku.
o. Menyelenggarakan RUPS paling lambat 90 (sembilan o. Hold a GMS no later than 90 (ninety) days after the
puluh) hari sesudah pemberhentian sementara tersebut temporary dismissal which will decide whether the relevant
yang akan memutuskan apakah Direksi yang bersangkutan Directors will be permanently dismissed or returned to their
akan diberhentikan seterusnya atau dikembalikan kepada original positions. Directors who were temporarily dismissed
kedudukannya semula. Direksi yang diberhentikan were given the opportunity to appear to defend themselves.
sementara itu diberi kesempatan untuk hadir guna
membela diri.
p. Apabila RUPS tersebut tidak dapat mengambil keputusan p. If the GMS cannot make a decision or is not held within a
atau tidak diadakan dalam jangka waktu paling lambat 90 period of no later than 90 (ninety) days after the temporary
(sembilan puluh) hari setelah pemberhentian sementara dismissal, then the temporary dismissal becomes null and
tersebut, maka pemberhentian sementara itu menjadi batal void and the person concerned has the right to return to
demi hukum dan yang bersangkutan berhak menjabat his or her original position.
kembali jabatannya semula.
4. Apabila seluruh anggota Direksi diberhentikan sementara dan 4. If all members of the Board of Directors are temporarily
Bank tidak mempunyai seorangpun anggota Direksi maka untuk dismissed and the Bank does not have a single member of the
sementara Dewan Komisaris diwajibkan untuk mengurus Bank. Board of Directors, the Board of Commissioners is temporarily
Dalam hal demikian Dewan Komisaris berhak untuk memberikan required to manage the Bank. In such cases the Board of
kekuasaan sementara kepada seorang atau lebih di antara Commissioners has the right to grant temporary powers to
mereka atas tanggungan mereka bersama. one or more of them at their collective expense.
Pembagian Tugas Pengawasan Dewan komisaris Division of Supervisory Duties of the Board of
Commissioners
Dewan Komisaris Allo Bank senantiasa melakukan fungsi The Board of Commissioners of Allo Bank always carries out
pengawasan atas pengelolaan maupun implementasi strategi supervisory functions over the management and implementation of
manajemen guna mewujudkan tujuan Bank. Dewan Komisaris management strategies to realize the Bank’s objectives. The Board of
melaksanakan fungsi pengawasan sesuai dengan masing-masing Commissioners carries out supervisory functions in accordance with
latar belakang bidang yang dikuasai oleh masing-masing anggota. the respective field backgrounds controlled by each member. The
Pembidangan tugas masing-masing anggota Dewan Komisaris division of duties of each member of the Board of Commissioners
Allo Bank adalah sebagai berikut: of Allo Bank is as follows:
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Company Profile
Nama Jabatan Bidang Tugas
Name Position Fiel of Duty
Aviliani Komisaris Utama Independen Ketua Komite Audit
Independent President Commissioner Ketua Komite Remunerasi dan Nominasi
Chairwoman of Audit Committee Chairwoman of the Remuneration and
Nomination Committee
Rosmaya Komisaris Independen Ketua Komite Pemantau Risiko
Independent Commissioner Chairwoman of the Risk Oversight Committee
Ali Gunawan Komisaris Anggota Komite Remunerasi dan Nominasi
Commissioner Member of the Remuneration and Nomination Committee
Independensi Dewan Komisaris Independence of the Board of Commissioners
1. Mayoritas anggota Dewan Komisaris dilarang saling memiliki 1. The majority of the Board of Commissioners members are
hubungan keluarga sampai dengan derajat kedua dengan prohibited from having family relationships up to the second
sesama anggota Direksi dan/atau dengan anggota Dewan degree with other members of the Board of Directors and/or
Komisaris lain. with other members of the Board of Commissioners.
2. Mantan anggota Direksi atau Pejabat Eksekutif Bank atau 2. Former members of the Board of Directors or Executive Officers
pihak-pihak yang mempunyai hubungan dengan Bank, yang of the Bank, or parties who have relationships with the Bank that
dapat mempengaruhi kemampuan yang bersangkutan untuk can influence their ability to act independently, must undergo
bertindak independen, wajib menjalani masa tunggu (cooling a minimum cooling-off period of 1 (one) year before becoming
off) paling singkat 1 (satu) tahun sebelum menjadi Komisaris an Independent Commissioner at the Bank.
Independen pada Bank.
3. Ketentuan di atas tidak berlaku bagi mantan anggota Direksi 3. The above provision does not apply to former members of the
yang membawahi fungsi pengawasan atau Pejabat Eksekutif Board of Directors who are in charge of supervisory functions
yang melakukan fungsi pengawasan pada Bank. or Executive Officers who conduct supervisory functions at
the Bank.
4. Anggota Dewan Komisaris wajib menandatangani Surat 4. Members of the Board of Commissioners are required to sign
Pernyataan Independensi yang berlaku sesuai dengan periode a Declaration of Independence letter that applies according to
atau masa jabatan sebagaimana ditetapkan dalam RUPS. the period or term of office as determined in the GMS.
Program Orientasi bagi Anggota Dewan Komisaris Orientation Program for New Members of Board of
Baru Commissioners
BOC Charter Allo Bank mengatur bahwa anggota Dewan Komisaris Allo Bank’s BOC Charter stipulates that newly appointed members of
yang baru diangkat wajib untuk mengikuti program pengenalan the Board of Commissioners are required to take part in a company
perusahaan. Program pengenalan tersebut dilakukan untuk introduction program. This introductory program was carried out
memberikan pemahaman mengenai tugas dan tanggung jawab to provide an understanding of the duties and responsibilities as a
sebagai anggota Dewan Komisaris agar dijalankan sebaik-baiknya. member of the Board of Commissioners so that they can be carried
Kegiatan ini juga bertujuan agar anggota Dewan Komisaris dapat out as well as possible. This activity also aims to enable members
memahami latar belakang dan kegiatan usaha Bank agar dapat of the Board of Commissioners to understand the background and
mempermudah dan melancarkan pelaksanaan tugas Dewan business activities of the Bank in order to facilitate and expedite the
Komisaris secara efektif. effective implementation of the Board of Commissioners’ duties.
Sehubungan dengan tidak adanya perubahan komposisi dan Due to the absence of changes in the composition and structure
susunan Dewan Komisaris hingga akhir tahun 2023, Bank tidak of the Board of Commissioners until the end of 2023, the
melaksanakan program pengenalan Dewan Komisaris baru. Bank is not implementing a program to introduce a new Board
of Commissioners.
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Peningkatan Kompetensi Dewan Komisaris Competency Development of Board of
Commissioners
Allo Bank memfasilitasi seluruh Insan Bank di seluruh level Allo Bank facilitates all Bank Personnel at all levels to carry out
untuk melaksanakan program pengembangan kompetensi guna competency development programs to create superior and
menciptakan SDM yang unggul dan berdaya saing. Informasi competitive human resources. Information regarding increasing
mengenai peningkatan kompetensi Dewan Komisaris sepanjang the competency of the Board of Commissioners throughout 2023
tahun 2023 dapat dilihat pada Bab Profil Perusahaan dalam can be seen in the Company Profile Chapter in this Annual Report.
Laporan Tahunan ini.
Pelaksanaan Tugas Dewan Komisaris Tahun 2023 Implementation of Duties of the Board of
Commissioners in 2023
Sepanjang tahun 2023, Dewan Komisaris telah melaksanakan tugas Throughout 2023, the Board of Commissioners has carried out its
dan fungsinya dalam mengarahkan, memantau, dan mengevaluasi duties and functions in directing, monitoring and evaluating the
pelaksanaan kebijakan strategis, meliputi: implementation of strategic policies, including:
1. Hasil dan Rekomendasi Pelaksanaan Fungsi Kepatuhan Bank 1. Results and Recommendations for the Implementation of the
untuk Periode Semester II 2023 dengan nomor surat MD 001/ Bank’s Compliance Function for Semester II 2023 with letter
KOMISARIS/2023 tanggal 2 Januari 2023. number MD 001/KOMISARIS/2023 dated January 2, 2023.
2. Hasil dan Rekomendasi Pelaksanaan Fungsi Kepatuhan Bank 2. Results and Recommendations for the Implementation of the
untuk periode Semester I 2023 dengan nomor surat MD 003/ Bank’s Compliance Function for the Semester I 2023 period
KOMISARIS/2023 tanggal 2 Agustus 2023. with letter number MD 003/KOMISARIS/2023 dated August
2, 2023.
Penilaian Kinerja Organ dan Komite Pendukung di Performance Assessment of Supporting Organs and
Bawah Dewan Komisaris Committees under Board of Commissioners
Dalam melaksanakan tugas dan fungsi pengawasan atas In carrying out its supervisory duties and functions over the
pengelolaan Bank, Dewan Komisaris turut dibantu oleh sejumlah management of the Bank, the Board of Commissioners is assisted
Komite, yakni Komite Audit, Komite Pemantau Risiko, dan Komite by a number of Committees, namely the Audit Committee,
Remunerasi dan Nominasi. Dewan Komisaris melakukan evaluasi Risk Oversight Committee, and Remuneration and Nomination
setiap tahun atas kinerja komite-komite tersebut sesuai dengan Committee. The Board of Commissioners annually evaluates the
kriteria yang ditetapkan oleh Komite Remunerasi dan Nominasi. performance of these committees in accordance with the criteria
Sepanjang tahun 2023, Dewan Komisaris menilai bahwa seluruh set by the Remuneration and Nomination Committee. Throughout
Komite di bawah Dewan Komisaris telah menjalankan tugas dan 2023, the Board of Commissioners assessed that all Committees
tanggung jawabnya dengan baik. under the Board of Commissioners have carried out their duties
and responsibilities accordingly.
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Komisaris
Independen
Independent
Commissioner
Komisaris Independen merupakan anggota Dewan Independent Commissioner is a member of the Board
Komisaris yang tidak memiliki hubungan keuangan, of Commissioners who does not have any financial,
kepengurusan, kepemilikan saham dan/atau hubungan managerial, share ownership, and/or family relationships
keluarga dengan anggota Dewan Komisaris, anggota with the members of the Board of Commissioners,
Direksi dan/atau pemegang saham pengendali atau members of the Board of Directors, and/or controlling
dengan Bank yang mungkin menghalangi atau shareholders or with the Bank that may impede or hinder
menghambat posisinya untuk bertindak independen their ability to act independently in accordance with
sesuai dengan prinsip-prinsip GCG. Komisaris the principles of GCG. Independent Commissioners
Independen diangkat oleh RUPS dan tidak memiliki are appointed by the GMS and have no affiliation with
hubungan afiliasi dengan pihak yang berkepentingan, interested parties, especially majority shareholders,
terutama pemegang saham mayoritas, anggota members of the Board of Directors, and/or members
Direksi, dan/atau anggota Dewan Komisaris. Sesuai of the Board of Commissioners. In accordance with
ketentuan pasal 20 ayat (3) POJK 33/2014, minimal Article 20 Paragraph (3) of POJK 33/2014, at least
30% dari anggota Dewan Komisaris adalah Komisaris 30% of the Board of Commissioners members must
Independen. Di tahun 2022 Bank memiliki 2 (dua) orang be Independent Commissioners. In 2022, the Bank
Komisaris Independen dari total 3 (tiga) orang anggota has 2 (two) Independent Commissioners out of a total
Dewan Komisaris. of 3 (three) members of the Board of Commissioners
Kriteria Penentuan Komisaris Independen Criteria for Determining Independent
Commissioners
Komisaris Independen wajib memenuhi persyaratan Independent Commissioners are required to fulfill the
umum Dewan Komisaris serta beberapa kriteria lainnya, general requirements of the Board of Commissioners
yaitu: as well as several other criteria, namely:
1. Penunjukan Komisaris sebagai Komisaris 1. The appointment of a Commissioner as an
Independen harus mendapatkan persetujuan OJK. Independent Commissioner must obtain approval
from the OJK.
2. Bukan merupakan orang yang bekerja atau 2. They are not a person who works or has the
mempunyai wewenang dan tanggung jawab responsibility to plan, lead, control or supervise
untuk merencanakan, memimpin, mengendalikan the Bank’s activities within the last 6 (six) months,
atau mengawasi kegiatan Bank dalam waktu 6 except for reappointment as an Independent
(enam) bulan terakhir, kecuali untuk pengangkatan Commissioner in the following period.
kembali sebagai Komisaris Independen pada
periode berikutnya.
3. Tidak mempunyai saham baik langsung maupun 3. They do not own shares, either directly or indirectly,
tidak langsung pada Bank. in the Bank.
4. Tidak mempunyai hubungan afiliasi dengan Bank, 4. They do not have affiliation with the Bank,
anggota Dewan Komisaris, anggota Direksi atau members of the Board of Commissioners,
Pemegang Saham Utama Bank. members of the Board of Directors or the Bank’s
Controlling Shareholders.
5. Tidak mempunyai hubungan usaha baik langsung 5. They do not have any direct or indirect business
maupun tidak langsung yang berkaitan dengan relationships related to Bank activities.
kegiatan Bank.
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6. Tidak memiliki hubungan keluarga dengan Dewan Komisaris, 6. They do not have any family relationship with the Board
Direksi dan Pemegang Saham Pengendali Bank. of Commissioners, the Board of Directors and Controlling
Shareholders of the Bank.
7. Komisaris Independen yang telah menjabat selama 2 (dua) 7. Independent Commissioners who have served for 2 (two) terms
periode masa jabatan dapat diangkat kembali pada periode of office may be reappointed in the next period as long as:
selanjutnya sepanjang:
a. Rapat Dewan Komisaris menilai bahwa Komisaris a. The Board of Commissioners assesses that Independent
Independen tetap dapat bertindak independen Commissioners can still act independently
b. Komisaris Independen tersebut menyatakan dirinya tetap b. The Independent Commissioner stated that he remained
independen dalam RUPS independent at the GMS
c. Menandatangani Surat Pernyataan Independen dan hal c. Sign an Independent Statement Letter and this is disclosed
ini diungkapkan dalam Laporan Pelaksanaan Tata Kelola. in the Governance Implementation Report.
8. Dalam hal Komisaris Independen menjabat pada Komite Audit, 8. In the event that an Independent Commissioner serves on the
Komisaris Independen yang bersangkutan hanya dapat diangkat Audit Committee, the Independent Commissioner concerned
kembali pada Komite Audit untuk 1 (satu) periode masa jabatan can only be reappointed on the Audit Committee for 1 (one)
Komite Audit berikutnya. subsequent term of office on the Audit Committee.
9. Komisaris Non Independen dapat beralih menjadi Komisaris 9. Non-Independent Commissioners may transition to become
Independen setelah memenuhi persyaratan sebagai Komisaris Independent Commissioners after fulfilling the requirements as
Independen. Komisaris Non Independen yang akan beralih Independent Commissioners. Non-Independent Commissioners
menjadi Komisaris Independen wajib menjalani masa tunggu who will transition to become Independent Commissioners
(cooling off) paling singkat 6 (enam) bulan. Peralihan dari are required to undergo a cooling off period of at least 6 (six)
Komisaris Non Independen menjadi Komisaris Independen months. The transition from Non-Independent Commissioner
wajib memperoleh persetujuan OJK. to Independent Commissioner must obtain OJK approval.
10. Mantan anggota Direksi atau Pejabat Eksekutif Bank atau pihak- 10. Former members of the Board of Directors or Executive Officers
pihak yang mempunyai hubungan dengan Bank, yang dapat of the Bank or parties who have a relationship with the Bank,
mempengaruhi kemampuan yang bersangkutan untuk bertindak who can influence the ability of the person concerned to act
independen wajib menjalani masa tunggu (cooling off) paling independently must undergo a cooling off period of at least 1
singkat 1 (satu) tahun sebelum menjadi Komisaris Independen (one) year before becoming an Independent Commissioner at
pada Bank yang bersangkutan. the Bank in question. concerned.
11. Memiliki Sertifikasi Manajemen Risiko minimal Jenjang 6. 11. They must have a minimum Risk Management Certification
Level 6.
Komposisi dan Jumlah Komisaris Independen Composition and Number of Independent
Commissioners
Per 31 Desember 2023, jumlah Komisaris Independen Bank terdiri As of December 31, 2023, the number of Independent
dari 2 (dua) orang dari jumlah keseluruhan anggota Dewan Komisaris Commissioners of the Bank consisted of 2 (two) people out of the
yang sebanyak 3 (tiga) orang. Adapun Komisaris Independen Bank total number of members of the Board of Commissioners which
adalah sebagai berikut: was 3 (three) people. The Bank’s Independent Commissioners
are as follows:
1. Ibu Aviliani yang diangkat berdasarkan Surat Keputusan Deputi 1. Mrs. Aviliani who was appointed based on the Decree of the
Komisioner Pengawas Perbankan I, OJK No. KEP-24/PB.1/2022 Deputy Commissioner for Banking Supervision I, OJK No.
tanggal 09 Juni 2022 KEP-24/PB.1/2022 dated June 9, 2022
2. Ibu Rosmaya yang diangkat berdasarkan Surat Keputusan 2. Mrs. Rosmaya who was appointed based on the Decree of
Deputi Komisioner Pengawas Perbankan I, OJK No. KEP- 41/ the Deputy Commissioner for Banking Supervision I, OJK No.
PB.1/2022 tanggal 16 Agustus 2022 KEP- 41/PB.1/2022 dated August 16, 2022
Pernyataan Independensi Independence Statement
Seluruh Komisaris Independen Allo Bank telah membuat Surat All Independent Commissioners of Allo Bank have prepared a
Pernyataan Independensi dan telah disampaikan kepada OJK. Di Statement of Independence and have submitted it to the OJK.
samping itu, anggota Dewan Komisaris juga berkewajiban untuk In addition, members of the Board of Commissioners are also
melapor apabila terjadi perubahan status yang mempengaruhi obliged to report if there is a change in status that affects their
independensinya serta memastikan praktik ini telah dilaksanakan independence and ensure that this practice has been implemented
sesuai dengan prinsip GCG. in accordance with GCG principles.
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Surat Pernyataan Independensi Komisaris Independen
Independent Statement Letter of Independent Commissioner
Surat Pernyataan Independen Aviliani Surat Pernyataan Independen Rosmaya
selaku Komisaris Utama Independen selaku Komisaris Independen
Independent Statement Letter of Aviliani Independent Statement Letter of Rosmaya
as Independent President Commissioner as Independent Commissioner
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Direksi
Board of Directors
Direksi adalah organ utama yang bertugas menjalankan tindakan The Board of Directors is the main organ tasked with carrying out
pengurusan untuk mencapai visi dan misi demi kepentingan Bank. management actions to achieve the vision and mission for the
Direksi juga bertanggung jawab mewakili Allo Bank, baik di dalam interests of the Bank. The Board of Directors is also responsible
dan di luar pengadilan. Masing-masing anggota Direksi dapat for representing Allo Bank, both inside and outside the court. Each
melaksanakan tugas dan mengambil keputusan sesuai dengan member of the Board of Directors carries out their duties and makes
pembagian tugas dan wewenangnya, namun pelaksanaan tugas decisions in accordance with their division of duties and authority.
oleh masing-masing anggota Direksi tetap merupakan tanggung However, the implementation of duties by each member of the
jawab bersama. Board of Directors remains a shared responsibility.
Persyaratan Anggota Direksi Requirements for Members of the Board of Directors
1. Setiap anggota Direksi harus memenuhi persyaratan penilaian 1. Each member of the Board of Directors must meet the
kemampuan dan kepatutan sesuai Peraturan OJK mengenai requirements for assessing their ability and suitability according
Penilaian Kemampuan dan Kepatutan bagi Dewan Komisaris to the OJK Regulation regarding the Assessment of Capability
dan Direksi, yaitu persyaratan integritas, kompetensi dan reputasi and Suitability for the Board of Commissioners and Board of
keuangan. Persyaratan tersebut harus dipenuhi anggota Direksi Directors, including requirements for integrity, competence, and
pada saat diangkat dan selama menjabat. financial reputation. These requirements must be met by the
member of the Board of Directors at the time of appointment
and throughout their tenure.
2. Persyaratan integritas yang harus dipenuhi, antara lain: 2. The integrity requirements that must be met include:
a. Memiliki akhlak dan moral yang baik, paling sedikit a. Have good ethics and morals, demonstrated at least by
ditunjukan dengan sikap mematuhi ketentuan yang adhering to applicable regulations, including not having
berlaku, termasuk tidak pernah dihukum karena terbukti been convicted of a criminal offense within a certain period
melakukan tindak pidana dalam jangka waktu tertentu before being nominated.
sebelum dicalonkan.
b. Cakap melakukan perbuatan hukum. b. Capable of performing legal actions.
c. Memiliki komitmen untuk mematuhi peraturan perundang- c. Have a commitment to complying with applicable laws
undangan dan mendukung kebijakan regulator yang berlaku. and regulations and supporting the policies of the
relevant regulators.
d. Memiliki komitmen terhadap pengembangan operasional d. Have a commitment to the development of a healthy
Bank yang sehat. Bank operation.
e. Tidak sedang dalam proses hukum dan/atau proses uji e. Not involved in legal proceedings and/or capability and
kemampuan dan kepatutan pada suatu Bank. suitability assessments at another Bank.
f. Tidak termasuk sebagai pihak yang dilarang untuk f. Not included in the list of prohibited individuals from serving
menjadi Direksi. as a Director.
g. Memiliki komitmen untuk tidak melakukan dan/atau g. Have a commitment to not engage in or repeat certain
mengulangi perbuatan dan/atau tindakan tertentu, bagi actions or behaviors for candidates for the Board of Directors
calon Direksi yang pernah memiliki predikat tidak lulus who have previously been designated as failing the fit and
dalam uji kemampuan dan kepatutan dan telah menjalani proper test and have undergone a period of sanctions.
masa sanksi.
3. Persyaratan kompetensi yang harus dipenuhi, antara lain: 3. The competence requirements that must be met include:
a. Memiliki pengetahuan di bidang perbankan dan/atau bidang a. Have adequate knowledge in the field of banking and/or
keuangan yang memadai dan relevan dengan jabatannya. finance that is relevant to their position.
b. Memiliki pengalaman dan keahlian di bidang perbankan b. Have experience and expertise in the field of banking and/
dan/atau bidang keuangan. or finance.
c. Memiliki kemampuan untuk melakukan pengelolaan c. Have the ability to conduct strategic management in order
strategis dalam rangka pengembangan Bank yang sehat. to develop a healthy Bank.
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d. Mayoritas anggota Direksi wajib memiliki pengalaman paling d. The majority of the members of the Board of Directors must
sedikit 5 (lima) tahun di bidang operasional Bank dan paling have at least 5 (five) years of experience in the operational
rendah sebagai Pejabat Eksekutif bank. aspects of a bank and at least as an Executive Officer of
a bank.
e. Memiliki Sertifikasi Manajemen Risiko sampai dengan e. Have Risk Management Certification up to level 5.
level 5.
4. Persyaratan reputasi keuangan yang harus dipenuhi, antara lain: 4. The financial reputation requirements that must be met include:
a. Tidak memiliki kredit macet, dan a. Don’t have non-performing loans, and
b. Tidak pernah dinyatakan pailit atau menjadi Direksi yang b. Have not been declared bankrupt or become a Director
dinyatakan bersalah menyebabkan suatu perseroan who has been found guilty of causing a company to be
dinyatakan pailit, dalam jangka waktu 5 (lima) tahun terakhir declared bankrupt, within the last 5 (five) years prior to
sebelum dicalonkan. the nomination.
5. Tidak pernah menjadi anggota Dewan Komisaris dan/atau 5. Have never been a member of the Board of Commissioners
Direksi yang selama menjabat: and/or Board of Directors who, during their tenure:
a. Pernah dihukum karena melakukan tindak pidana yang a. Have been convicted of a criminal offense that has harmed
merugikan keuangan negara dan/atau yang berkaitan the state’s finances and/or is related to the financial sector.
dengan sektor keuangan.
b. Pernah tidak menyelenggarakan RUPS tahunan. b. Have failed to hold an annual GMS.
c. Pertanggungjawabannya sebagai anggota Direksi pernah c. Have had their accountability as a member of the Board
tidak diterima oleh RUPS atau pernah tidak memberikan of Directors rejected by the GMS or have failed to provide
pertanggungjawaban sebagai anggota Direksi kepada accountability as a member of the Board of Directors to
RUPS, dan the GMS, and
d. Pernah menyebabkan perusahaan yang memperoleh izin, d. Have caused a company that has obtained a permit,
persetujuan atau pendaftaran dari OJK tidak memenuhi approval, or registration from the OJK to fail to fulfill its
kewajiban menyampaikan Laporan Tahunan dan/atau obligations to submit Annual Reports and/or Financial
Laporan Keuangan kepada OJK. Statements to the OJK.
Persyaratan Direktur Kepatuhan Requirements of Compliance Director
Selain memenuhi kriteria umum bagi anggota Direksi, Direktur Apart from meeting the general criteria for members of the Board
yang membawahi fungsi kepatuhan juga wajib memenuhi sejumlah of Directors, the Director in charge of the compliance function is
persyaratan sebagai berikut: also required to fulfill a number of requirements as follows:
1. Memenuhi persyaratan independensi. 1. Fulfill independence requirements.
2. Direktur Utama dilarang merangkap jabatan sebagai Direktur 2. The President Director is prohibited from holding concurrent
yang membawahi fungsi kepatuhan. positions as Director in charge of the compliance function.
3. Dilarang membawahi fungsi: Bisnis, Operasional, Manajemen 3. Prohibited from being in charge of functions: Business,
Risiko yang melakukan pengambilan keputusan pada kegiatan Operations, Risk Management which makes decisions on Bank
usaha Bank, treasury, keuangan dan akuntansi, logistik dan business activities, treasury, finance and accounting, logistics
pengadaan barang/jasa, teknologi informasi dan audit internal and procurement of goods/services, information technology
and internal audit
Pengangkatan Anggota Direksi Appointment of Members of the Board of Directors
1. Anggota Direksi diangkat berdasarkan keputusan RUPS. 1. Board of Directors members are appointed based on the
decision of the GMS.
2. Anggota Direksi diangkat untuk masa jabatan tertentu dan 2. Board of Directors members are appointed for a specific term
dapat diangkat kembali. and may be reappointed.
3. Satu periode masa jabatan anggota Direksi paling lama 5 (lima) 3. The maximum term for a Board of Directors member is 5 (five)
tahun atau sampai dengan penutupan RUPS tahunan pada years or until the end of 1 (one) term period, which ends with
akhir 1 (satu) periode masa jabatan dimaksud. the annual GMS meeting.
4. Usulan penggantian dan/atau pengangkatan anggota Direksi 4. Proposals for the replacement and/or appointment of Board
oleh Dewan Komisaris dalam RUPS, harus memperhatikan of Directors members by the Board of Commissioners in GMS,
rekomendasi dari Komite Remunerasi dan Nominasi. must consider the recommendations of the Remuneration and
Nomination Committee.
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5. Persyaratan pengangkatan Direksi yang merupakan tenaga kerja 5. The appointment requirements for foreign workers who serve
asing harus tunduk kepada ketentuan tentang Pemanfaatan as Board of Directors members must comply with the provisions
Tenaga Kerja Asing dan Program Alih Pengetahuan on the Utilization of Foreign Workers and Knowledge Transfer
sebagaimana diatur dalam Peraturan OJK serta ketentuan Program as stipulated by the OJK regulation and other relevant
instansi terkait lainnya. agencies.
6. Honorarium dan/atau tunjangan Direksi ditentukan dalam RUPS. 6. The honorarium and/or benefits for Board of Directors members
are determined at GMS.
Pengunduran Diri Anggota Direksi & Pergantian Resignation and Replacement of Directors
Anggota Direksi
1. Anggota Direksi dapat mengundurkan diri dari jabatannya 1. Members of the Board of Directors may resign from their
sebelum masa jabatannya berakhir. positions before their term of office ends.
2. Masa jabatan Direksi berakhir dengan sendirinya apabila 2. The term of office of a Director ends automatically if the Director:
Direksi tersebut:
a. Mengundurkan diri dengan pemberitahuan secara tertulis; a. Resign with written notification;
b. Tidak lagi memenuhi persyaratan perundang-undangan b. No longer meets applicable statutory requirements;
yang berlaku;
c. Meninggal dunia; c. Passes away;
d. Diberhentikan berdasarkan keputusan RUPS; d. Dismissed based on GMS decision;
e. Dinyatakan pailit atau ditaruh dibawah pengampuan e. Declared bankrupt or placed under guardianship based
berdasarkan suatu penetapan Pengadilan; on a court decision;
f. Terbukti terlibat dalam kejahatan keuangan. f. Proven to be involved in financial crimes.
3. Direksi berhak mengundurkan diri dari jabatannya dengan 3. Directors have the right to resign from their positions by notifying
memberitahukan secara tertulis kepada Bank selambat the Bank in writing no later than 90 (ninety) days before the
lambatnya 90 (sembilan puluh) hari sebelum tanggal date of their resignation.
pengunduran dirinya.
4. Bank wajib menyelenggarakan RUPS untuk memutuskan 4. The Bank is obliged to hold a GMS to decide on the request for
permohonan pengunduran diri anggota Direksi dimaksud resignation of the member of the Board of Directors no later
paling lambat 90 (sembilan puluh) hari setelah diterimanya than 90 (ninety) days after receipt of the letter of resignation.
surat pengunduran diri tersebut.
5. Apabila anggota Direksi mengundurkan diri sehingga 5. If a member of the Board of Directors resigns resulting in the
mengakibatkan jumlah anggota Direksi menjadi kurang dari 3 number of members of the Board of Directors being less than
(tiga) orang, maka pengunduran diri tersebut sah apabila telah 3 (three) people, then the resignation is valid if it has been
ditetapkan dalam RUPS dan telah diangkat anggota Direksi determined in the GMS and new members of the Board of
yang baru sehingga memenuhi persyaratan minimal jumlah Directors have been appointed so that it meets the minimum
anggota Direksi requirements for the number of members of the Board of
Directors
6. RUPS dapat mengangkat orang lain untuk mengisi jabatan 6. The GMS may appoint another person to fill the position of a
seorang Direktur yang diberhentikan dari jabatannya atau untuk Director who is dismissed from his position or to fill a vacancy.
mengisi suatu lowongan. Masa jabatan seorang yang diangkat The term of office of a person appointed to replace a member
untuk menggantikan anggota Direksi yang berhenti atau mengisi of the Board of Directors who has resigned or filled a vacancy
lowongan adalah selama sisa jangka waktu masa jabatan is for the remaining term of office of the member of the Board
anggota Direksi yang diberhentikan atau digantikan tersebut. of Directors who has been dismissed or replaced.
7. Bagi Direktur Utama dan/atau Direktur Kepatuhan, 7. For the President Director and/or Compliance Director,
pemberhentian, penggantian dan/atau pengunduran diri dismissal, replacement and/or resignation before the end of
sebelum masa jabatan berakhir harus mendapatkan persetujuan the term of office must obtain prior approval from the OJK
terlebih dahulu dari OJK sebelum diputuskan dalam RUPS: before being decided at the GMS:
a. Penyampaian permohonan kepada OJK sebagaimana a. Submission of the application to the OJK as intended is
dimaksud disampaikan Bank paling lama 1 (satu) bulan submitted by the Bank no later than 1 (one) month before
sebelum rencana pelaksanaan RUPS yang memuat the planned implementation of the GMS which contains
agenda pemberhentian atau penggantian Direktur Utama the agenda for dismissal or replacement of the President
dan/atau direktur yang membawahi fungsi kepatuhan, Director and/or director in charge of the compliance
dengan memuat: (i) alasan/pertimbangan pemberhentian, function, by including: (i) reasons/considerations for
penggantian dan/atau pengunduran diri; (ii) Profil calon dismissal, replacement and/or resignation; (ii) The profile
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pengganti yang dinilai memenuhi persyaratan untuk of the replacement candidate who is deemed to meet the
dilakukan penilaian kemampuan dan kepatutan requirements for a fit and proper test
b. Bilamana OJK menilai rencana dimaksud tidak layak maka: b. If OJK assesses that the plan is not feasible then: (i) The
(i) Rencana tersebut tidak disetujui OJK; (ii) Bank dilarang plan is not approved by OJK; (ii) Banks are prohibited from
memuat agenda tersebut dalam RUPS. including this agenda in the GMS.
8. Bank wajib menyampaikan kepada OJK dan melakukan 8. The Bank is required to submit information to the OJK and
keterbukaan informasi paling lambat 2 (dua) hari kerja setelah: disclose information no later than 2 (two) working days after:
a. Diterimanya permohonan pengunduran diri anggota Direksi. a. Acceptance of resignation requests from members of the
Board of Directors.
b. Dilakukan penyelenggaraan RUPS. b. A GMS was held.
9. Selain Anggaran Dasar Perusahaan, pengunduran diri anggota 9. In addition to the Company’s Articles of Association, resignation
Direksi juga tunduk kepada ketentuan OJK dan/atau aturan of members of the Board of Directors is also subject to OJK
otoritas terkait lainnya. provisions and/or other relevant authority regulations.
Pemberhentian Sementara Anggota Direksi Temporary Suspension of Board of Directors Member
1. Anggota Direksi dapat diberhentikan untuk sementara oleh 1. A Board of Directors member may be temporarily suspended
Dewan Komisaris dengan menyebutkan alasannya. by the Board of Commissioners by stating the reasons.
2. Pemberhentian sementara wajib diberitahukan secara tertulis 2. The temporary suspension must be notified in writing to the
kepada anggota Direksi yang bersangkutan. respective Board of Directors member.
3. Dewan Komisaris harus menyelenggarakan RUPS untuk 3. The Board of Commissioners must convene a General
mencabut atau menguatkan keputusan pemberhentian Meeting of Shareholders to revoke or confirm the temporary
sementara tersebut. suspension decision.
4. RUPS harus diselenggarakan dalam jangka waktu 4. The General Meeting of Shareholders must be held no later than
paling lambat 90 (sembilan puluh) hari setelah tanggal 90 (ninety) days after the date of the temporary suspension.
pemberhentian sementara.
5. Dalam RUPS anggota Direksi yang bersangkutan diberi 5. In the General Meeting of Shareholders, the respective Board
kesempatan untuk membela diri. of Directors member shall be given an opportunity to defend
himself or herself.
6. Dengan lampauan jangka waktu penyelenggaraan RUPS atau 6. If the General Meeting of Shareholders (GMS) fails to make a
RUPS tidak dapat mengambil keputusan, pemberhentian decision or does not take place within the specified period,
sementara menjadi batal. the temporary suspension of a Board of Directors member
will be revoked.
7. Anggota Direksi yang diberhentikan untuk sementara 7. A temporarily suspended Board of Directors member is not
tidak berwenang: authorized to:
a. Menjalankan pengurusan Bank untuk kepentingan Bank a. Conduct the management of the Bank for the benefit of the
sesuai dengan maksud dan tujuan Bank Bank in accordance with the Bank’s objectives and purposes
b. Mewakili Bank di dalam maupun di luar pengadilan. b. Represent the Bank in or outside the court.
8. Pembatasan kewenangan berlaku sejak keputusan 8. The authority restrictions are in effect from the temporary
pemberhentian sementara oleh Dewan Komisaris sampai suspension decision by the Board of Commissioners until there
dengan terdapat keputusan RUPS yang menguatkan atau is a GMS decision that confirms or cancels the temporary
membatalkan pemberhentian sementara atau lampaunya jangka suspension or until the expiration of the GMS holding period.
waktu penyelenggaraan RUPS.
9. Bank wajib melakukan keterbukaan informasi kepada masyarakat 9. The Bank is obliged to disclose information to the public and
dan menyampaikan kepada OJK mengenai keputusan report to the OJK regarding the decision of the temporary
pemberhentian sementara dan hasil penyelenggaraan RUPS suspension and the results of the GMS or information on
atau informasi mengenai batalnya pemberhentian sementara the revocation of the temporary suspension by the Board of
oleh Dewan Komisaris karena tidak terselenggaranya RUPS Commissioners due to the failure to hold the GMS until the
sampai dengan lampaunya jangka waktu, paling lambat 2 (dua) holding period expires, no later than 2 (two) working days
hari kerja setelah terjadinya peristiwa tersebut. after the event.
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Pengangkatan, Pemberhentian, dan Pengunduran Appointment, Termination, and Resignation of
Diri Direktur yang Membawahi Fungsi Kepatuhan Director in Charge of Compliance Function
1. Pengangkatan, pemberhentian dan/atau pengunduran diri 1. The appointment, dismissal, and/or resignation of the
Direktur Kepatuhan mengacu pada ketentuan mengenai Compliance Director shall refer to the provisions regarding
pengangkatan, pemberhentian dan/atau pengunduran diri the appointment, dismissal, and/or resignation of members of
anggota Direksi sebagaimana ketentuan di atas. the Board of Directors as stipulated above.
2. Dalam hal Direktur Kepatuhan tidak dapat menjalankan tugas 2. In the event that the Compliance Director is unable to perform
jabatannya selama lebih dari 7 (tujuh) hari kerja berturut-turut his/her duties for more than 7 (seven) consecutive working
maka pelaksanaan tugas yang bersangkutan wajib digantikan days, the duties of the Compliance Director shall be temporarily
sementara oleh Direktur lain sampai dengan Direktur Kepatuhan replaced by another Director until the Compliance Director can
dapat menjalankan tugas jabatannya kembali resume his/her duties.
3. Dalam hal Direktur Kepatuhan berhalangan tetap, 3. In the event that the Compliance Director is permanently unable
mengundurkan diri, atau habis masa jabatannya maka Bank to perform his/her duties, resigns, or completes his/her term of
wajib segera mengangkat pengganti Direktur Kepatuhan. office, the Bank shall immediately appoint a replacement for
Selama dalam proses penggantian Direktur Kepatuhan, Bank the Compliance Director. During the process of replacing the
wajib menunjuk atau menugaskan salah satu Direktur lainnya Compliance Director, the Bank shall appoint or assign one of
untuk sementara melaksanakan tugas Direktur Kepatuhan. the other Directors to temporarily carry out the duties of the
Compliance Director.
4. Direktur yang melaksanakan tugas sementara sebagai Direktur 4. A temporary Director who is appointed to carry out the duties of
Kepatuhan, baik karena berhalangan sementara maupun the Compliance Director, either due to temporary or permanent
berhalangan tetap, harus memenuhi ketentuan atau persyaratan impediments, must meet the requirements or qualifications to
untuk menjadi Direktur Kepatuhan. become a Compliance Director.
5. Dalam hal Direktur lain sebagai pengganti tidak ada yang 5. In the event that no other Director meets the qualifications
memenuhi ketentuan, maka jabatan Direktur Kepatuhan dapat to replace the Compliance Director, the position may be
dirangkap sementara oleh Direktur lainnya yang membawahi temporarily held by another Director who oversees business
fungsi-fungsi bisnis, operasional, manajemen risiko yang functions, operational functions, risk management functions,
melakukan pengambilan keputusan pada kegiatan usaha Bank, decision-making in the Bank’s business activities, treasury,
treasury, keuangan dan akuntansi, logistic dan pengadaan finance and accounting, logistics and procurement of goods/
barang/jasa, teknologi informasi atau audit internal. services, information technology, or internal audit.
6. Dalam hal anggota Direksi hanya terdiri dari 1 (satu) orang 6. In the event that the members of the Board of Directors only
direktur, tugas dan tanggung jawab direktur yang membawahi consist of 1 (one) director, the duties and responsibilities of the
fungsi kepatuhan dilaksanakan oleh kepala satuan kerja director in charge of the compliance function are carried out
kepatuhan Bank paling lama 6 (enam) bulan. by the head of the Bank’s compliance work unit for a maximum
of 6 (six) months.
7. Penggantian sementara jabatan Direktur Kepatuhan wajib 7. The temporary replacement of the position of Compliance
dilaporkan kepada OJK. Director must be reported to the OJK.
8. Pengangkatan pengganti Direktur yang membawahkan fungsi 8. Appointment of a substitute for the Director in charge of the
kepatuhan dilakukan paling lambat 6 (enam) bulan setelah compliance function shall be made no later than 6 (six) months
Direktur yang membawahkan fungsi kepatuhan berhalangan after the Director in charge of the compliance function is
tetap, mengundurkan diri atau habis masa jabatannya. permanently absent, resigns or ends his term of office.
Susunan dan Dasar Pengangkatan Direksi Tahun Composition and Basis of Appointment of the Board
2023 of Directors in 2023
Allo Bank telah menyusun jumlah dan komposisi Direksi sedemikian Allo Bank has arranged the number and composition of the Board of
rupa sehingga memungkinkan pengambilan keputusan dapat Directors in such a way as to enable decision making to be carried
dilakukan secara efektif, tepat dan cepat, serta dapat bertindak out effectively, precisely and quickly, and to act independently. As
independen. Per 31 Desember 2023, Bank tidak mengalami of December 31, 2023, the Bank has experienced no changes in
perubahan susunan dan komposisi Direksi. Adapun komposisi the composition of the Board of Directors. The composition of the
Direksi Bank hingga saat ini dapat dilihat sebagai berikut: Bank’s Board of Directors to date can be seen as follows:
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Periode
Nama Jabatan Dasar Pengangkatan Masa Jabatan
Jabatan
Name Position Basis of Appointment Term of Office
Period
Indra Utoyo Direktur Utama RUPS Tahunan 19 Mei 2022 2022 - RUPS Tahunan Tahun 2025 Pertama
President Director Annual GMS May 19, 2022 2022 - Annual GMS 2025 First
Ari Yanuanto Asah Direktur RUPS Luar Biasa 29 Januari 2021 2021 - RUPS Tahunan Tahun 2024 Pertama
Director Extraordinary GMS January 29, 2021 2021 - Annual GMS 2024 First
Arief Tendeas Direktur RUPS Luar Biasa 29 Januari 2021 2021 - RUPS Tahunan Tahun 2024 Pertama
Director Extraordinary GMS January 29, 2021 2021 - Annual GMS 2024 First
Ganda Raharja Rusli Direktur RUPS Luar Biasa 15 Oktober 2021 2021 - RUPS Tahunan Tahun 2024 Pertama
Director Extraordinary GMS October 15, 2021 2021 - Annual GMS 2024 First
Sajal Bhatnagar Direktur RUPS Tahunan 19 Mei 2022 2022 - RUPS Tahunan Tahun 2025 Pertama
Director Annual GMS May 19, 2022 2022 - Annual GMS 2025 First
Profil masing-masing Direksi Allo Bank dapat dilihat pada Bab The profile of each Allo Bank Director can be seen in the Company
Profil Perusahaan dalam Laporan Tahunan ini. Profile Chapter in this Annual Report.
Penilaian Kelayakan dan Kepatutan Direksi Fit and Proper Assessment of the Board of Directors
Peraturan OJK No. 27/POJK.03/2016 tentang Uji Kemampuan dan OJK Regulation no. 27/POJK.03/2016 concerning Fit and Proper
Kepatutan (fit and proper test) bagi Pihak Utama Lembaga Jasa Tests for Main Parties of Financial Services Institutions regulates
Keuangan, mengatur bahwa seluruh calon Direksi wajib lulus fit that all prospective Directors are required to pass a fit and proper
and proper test dan memperoleh persetujuan dari OJK sebelum test and obtain approval from the OJK before carrying out their
menjalankan tugas dan fungsi dalam jabatannya. Adapun penjelasan duties and functions in their position. The explanation of the status
status uji kemampuan dan kepatutan Direksi yang menjabat hingga of the fit and proper test for Directors serving until the end of 2023
akhir tahun 2023 dapat dilihat sebagai berikut: can be seen as follows:
Nama Jabatan Persetujuan OJK terkait Uji Kemampuan dan Kepatutan
Status
Name Position OJK approval regarding Fit and Proper Test
Indra Utoyo Direktur Utama Lulus Salinan Keputusan Deputi Komisioner Pengawas Perbankan I OJK No. Kep-
President Director Passed 23/PB.1/2022 tertanggal 9 Juni 2022 tentang Hasil Penilaian Kemampuan
dan Kepatutan Sdr. Indra Utoyo selaku Calon Direktur Utama PT Allo Bank
Indonesia Tbk.
Copy of Decree of Deputy Commissioner for Banking Supervision I OJK No. Kep-
23/PB.1/2022 dated June 9, 2022 concerning Results of the Fit and Proper Test
of Mr. Indra Utoyo as Candidate for President Director of PT Allo Bank Indonesia
Tbk.
Ari Yanuanto Asah Direktur Lulus Salinan Keputusan Deputi Komisioner Pengawas Perbankan I OJK No. KEP-
Keuangan, Passed 24/PB.1/2021 tanggal 6 April 2021 tentang Hasil Penilaian Kemampuan dan
Operasi dan Kepatutan Sdr. Ari Yanuanto Asah selaku Direktur Operasional dan IT PT Bank
Human Capital Harda Internasional Tbk.
Finance, Copy of Decree of Deputy Commissioner for Banking Supervision I OJK No. KEP-
Operations and 24/PB.1/2021 dated April 6, 2021 concerning the Results of the Fit and Proper
Human Capital Test of Mr. Ari Yanuanto Asah as Director of Operations and IT of PT Bank Harda
Director Internasional Tbk.
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Nama Jabatan Persetujuan OJK terkait Uji Kemampuan dan Kepatutan
Status
Name Position OJK approval regarding Fit and Proper Test
Arief Tendeas Direktur Bisnis Lulus Salinan Keputusan Deputi Komisioner Pengawas Perbankan I OJK No. KEP-
Business Director Passed 25/PB.1/2021 tertanggal 6 April 2021 tentang Hasil Penilaian Kemampuan
dan Kepatutan Sdr. Arief Tendeas selaku Direktur Bisnis PT Bank Harda
Internasional Tbk.
Copy of the Decree of the Deputy Commissioner of Banking Supervision I OJK
No. KEP-25/PB.1/2021 dated April 6, 2021 concerning the Results of the Fit
and Proper Test of Mr. Arief Tendeas as the Business Director of PT Bank Harda
Internasional Tbk.
Ganda Raharja Rusli Direktur Risiko, Lulus Salinan Keputusan Deputi Komisioner Pengawas Perbankan I OJK No. KEP-70/
Kepatuhan & Passed PB.1/2021 tertanggal 14 Desember 2021 tentang Hasil Penilaian Kemampuan
Hukum dan Kepatutan Sdr. Ganda Raharja Rusli selaku Direktur Kepatuhan PT Allo Bank
Risk, Compliance Indonesia Tbk
& Legal Director Copy of the Decree of the Deputy Commissioner of Banking Supervision I OJK
No. KEP-70/PB.1/2021 dated December 14, 2021 concerning the Results of the Fit
and Proper Test of Mr. Ganda Raharja Rusli as the Compliance Director of PT Allo
Bank Indonesia Tbk.
Sajal Bhatnagar Direktur Digital Lulus Salinan Keputusan Deputi Komisioner Pengawas Perbankan I OJK No. Kep-40/
Digital Director Passed PB.1/2022 tertanggal 16 Agustus 2022 tentang Hasil Penilaian Kemampuan
dan Kepatutan Sdr. Sajal Bhatnagar selaku Direktur of Digital PT Allo Bank
Indonesia Tbk.
Copy of the Decree of the Deputy Commissioner of Banking Supervision I at OJK
No. Kep-40/PB.1/2022 dated August 16, 2022 concerning the Results of the Fit
and Proper Test of Mr. Sajal Bhatnagar as the Digital Director of PT Allo Bank
Indonesia Tbk.
Pedoman Kerja Direksi Board of Directors Charter
Direksi melaksanakan tugas dan tanggung jawabnya dengan The Board of Directors carries out its duties and responsibilities
berpedoman pada BOD Charter Bank. BOD Charter tersebut based on the Bank’s BOD Charter. The BOD Charter regulates
mengatur hal-hal terkait dengan Direksi, mencakup: matters related to the Board of Directors, including:
1. Persyaratan Anggota Direksi; 1. Requirements for the Board of Directors;
2. Persyaratan Direktur Kepatuhan; 2. Requirements for Director of Compliance;
3. Pengangkatan Anggota Direksi; 3. Appointment of the Board of Directors;
4. Pengunduran Diri Anggota Direksi; 4. Resignation of the Board of Directors;
5. Pemberhentian Sementara Anggota Direksi; 5. Temporary Dismissal of the Board of Directors;
6. Pengangkatan, Pemberhentian, dan Pengunduran Diri Direktur 6. Appointment, Dismissal, and Resignation of Directors in charge
yang Membawahi Fungsi Kepatuhan; of Compliance Functions;
7. Susunan dan Pembagian Tugas Direksi; 7. Structure and Division of Duties of the Board of Directors;
8. Rangkap Jabatan Direksi; 8. Concurrent Positions of the Board of Directors;
9. Transparansi, Independensi, dan Etika Jabatan Direksi; 9. Transparency, Independence, and Job Ethics of the Board
of Directors;
10. Tugas dan Tanggung Jawab Direksi; 10. Duties and Responsibilities of the Board of Directors;
11. Kehadiran dan Waktu Kerja Direksi; 11. Attendance and Working Hours of the Board of Directors;
12. Tata Tertib Rapat Direksi; 12. Rules of Procedure for Board Meetings;
13. Penilaian Kinerja Direksi. 13. Performance Assessment of the Board of Directors.
Tugas dan Tanggung Jawab Direksi Duties and Responsibilities of the Board of Directors
Direksi berperan sebagai organ Bank yang memiliki tugas dan The Board of Directors acts as the Bank’s organ with collective duties
tanggung jawab secara kolektif dalam pelaksanaan pengelolaan and responsibilities in managing the Bank in accordance with the
Bank sesuai dengan kewenangan sebagaimana diatur dalam authority as stipulated in the Articles of Association and applicable
Anggaran Dasar dan peraturan perundang-undangan yang berlaku laws and regulations to achieve the Bank’s objectives, including:
untuk mencapai tujuan Bank, antara lain:
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1. Setiap anggota Direksi wajib melaksanakan tugas dan tanggung 1. Each member of the Board of Directors must carry out their
jawab dengan itikad baik, penuh tanggung jawab dan kehati- duties and responsibilities in good faith, full responsibility,
hatian. and prudence.
2. Dalam menjalankan tugas dan tanggung jawab atas pengurusan, 2. In carrying out their duties and responsibilities in management,
Direksi wajib menyelenggarakan RUPS tahunan dan RUPS the Board of Directors must hold the annual GMS and other
lainnya sebagaimana diatur dalam peraturan perundang- GMS as stipulated in the laws and regulations and the Articles
undangan dan Anggaran Dasar. of Association.
3. Direksi wajib mempertanggungjawabkan pelaksanaan tugasnya 3. The Board of Directors must be accountable for the
kepada pemegang saham melalui RUPS. implementation of their duties to shareholders through the GMS.
4. Membuat kebijakan strategis terkait pengelolaan perusahaan 4. Make strategic policies related to the management of the
sesuai dengan kewenangan yang diberikan. company in accordance with the authority given.
5. Membuat dan menyusun rencana kerja tahunan yang memuat 5. Create and prepare the annual work plan that also includes
juga anggaran tahunan Bank dan disampaikan kepada Dewan the Bank’s annual budget and submitting it to the Board of
Komisaris untuk memperoleh persetujuan. Commissioners for approval.
6. Melaksanakan prinsip-prinsip Tata Kelola Perusahaan yang 6. Implement the principles of Good Corporate Governance in all
Baik dalam setiap kegiatan usaha Bank pada seluruh tingkatan Bank business activities at all levels of the organization.
atau jenjang organisasi.
7. Memastikan penerapan manajemen risiko telah memadai sesuai 7. Ensure that the implementation of risk management is adequate
dengan Kebijakan Manajemen Risiko dan Strategi Manajemen in accordance with the Risk Management Policy and Risk
Risiko yang telah ditetapkan. Management Strategy that have been established.
8. Mengembangkan budaya anti fraud dan budaya kepatuhan 8. Develop an anti-fraud culture and a compliance culture
pada seluruh jajaran organisasi. throughout the organization.
9. Menindaklanjuti temuan audit dan rekomendasi dari Satuan 9. Follow up on audit findings and recommendations from the
Kerja Audit Internal Bank, auditor eksternal, hasil pengawasan Bank’s Internal Audit Unit, external auditors, OJK and/or other
OJK, BI dan/atau hasil pengawasan otoritas lain. supervisory authorities’ surveillance results.
10. Menyusun kebijakan remunerasi dan mengungkapkan kepada 10. Develop a remuneration policy and disclosing to employees
pegawai kebijakan yang bersifat strategis di bidang kepegawaian. the strategic policies in the field of personnel management.
11. Menyusun dan memberikan Laporan Keuangan dan kegiatan 11. Prepare and provide Financial Reports and Bank business
usaha Bank kepada pihak-pihak yang berwenang sebagaimana activities to authorized parties as regulated in banking
diatur dalam peraturan perbankan dan perundang-undangan regulations and applicable laws.
yang berlaku.
12. Direksi dilarang menggunakan penasihat perorangan dan/ 12. The Board of Directors are prohibited from using individual
atau jasa profesional sebagai tenaga ahli atau konsultan. advisors and/or professional services as experts or consultants.
Larangan sebagaimana dimaksud tidak berlaku untuk The prohibition as intended does not apply to the use of
penggunaan penasihat perorangan dan/atau jasa profesional individual advisors and/or professional services provided that:
dengan ketentuan:
a. Untuk proyek khusus; a. For special projects;
b. Berdasarkan pada kontrak kerja yang jelas; b. Based on a clear employment contract;
c. Untuk proyek khusus; b. Berdasarkan pada kontrak kerja c. For special projects; b. Based on a clear employment contract;
yang jelas;
d. Dilaksanakan oleh pihak yang tidak menduduki jabatan d. Carried out by parties who do not hold structural positions
struktural pada Bank;dan at the Bank; and
e. Dilaksanakan oleh pihak yang tidak mempunyai wewenang e. Carried out by parties who do not have the authority to
untuk membuat keputusan operasional bank. make bank operational decisions.
13. Dalam pengelolaan data dan informasi terkait Bank, Direksi 13. In managing data and information related to the Bank, the
wajib: Board of Directors is obliged to:
a. Memiliki dan menyediakan data dan informasi yang a. have and provide accurate, relevant and timely data and
akurat,relevan,dan tepat waktu, termasuk kepada Dewan information, including to the Board of Commissioners; And
Komisaris; dan
b. Melaksanakan pengelolaan data dan informasi sesuai b. carry out data and information management in accordance
dengan tata kelola yang baik pada Bank dan ketentuan with good governance at the Bank and statutory provisions.
peraturan perundang-undangan.
14. Untuk mendukung efektivitas pelaksanaan tugas dan tanggung 14. To support the effective implementation of duties and
jawab Direksi dapat membentuk komite. Dalam hal membentuk responsibilities, the Board of Directors may form committees.
komite, Direksi wajib melakukan evaluasi terhadap kinerja komite In the case of forming a committee, the Board of Directors is
setiap akhir tahun buku. obliged to evaluate the performance of the committee at the
end of each fiscal year.
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15. Setiap anggota Direksi bertanggung jawab secara tanggung 15. Each member of the Board of Directors is jointly and severally
renteng atas kerugian Bank yang disebabkan oleh kesalahan responsible for losses to the Bank caused by errors or negligence
atau kelalaian anggota Direksi dalam menjalankan tugasnya. of members of the Board of Directors in carrying out their duties.
16. Anggota Direksi tidak dapat diminta pertanggungjawaban atas 16. Members of the Board of Directors cannot be held responsible
kerugian Bank apabila dapat membuktikan: for Bank losses if they can prove:
a. Kerugian tersebut bukan karena kesalahan atau kelalaiannya. a. The loss was not due to his fault or negligence.
b. Telah melakukan pengurusan dengan itikad baik, penuh b. Has carried out management in good faith, full responsibility
tanggung jawab dan kehati-hatian untuk kepentingan dan and prudence for the benefit and in accordance with the
sesuai dengan maksud dan tujuan Bank. Bank’s aims and objectives.
c. Tidak mempunyai benturan kepentingan baik langsung c. Have no conflict of interest, either directly or indirectly,
maupun tidak langsung atas tindakan pengurusan yang regarding management actions that result in losses.
mengakibatkan kerugian.
d. Telah mengambil tindakan untuk mencegah timbul atau d. Have taken action to prevent the occurrence or continuation
berlanjutnya kerugian tersebut. of such losses.
17. Direktur Kepatuhan memiliki tugas dan tanggung jawab yang 17. The Compliance Director has duties and responsibilities which
paling kurang mencakup: at least include:
a. Merumuskan strategi guna mendorong terciptanya budaya a. Formulate strategies to encourage the creation of a culture
kepatuhan Bank. of Bank compliance.
b. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip b. Propose compliance policies or compliance principles that
kepatuhan yang akan ditetapkan oleh Direksi. will be determined by the Board of Directors.
c. Menetapkan sistem dan prosedur kepatuhan yang akan c. Establish compliance systems and procedures that
digunakan untuk menyusun ketentuan dan pedoman will be used to develop the Bank’s internal regulations
internal Bank. and guidelines.
d. Memastikan bahwa seluruh kebijakan, ketentuan, sistem d. Ensure that all policies, provisions, systems and procedures
dan prosedur serta kegiatan usaha yang dilakukan Bank as well as business activities carried out by the Bank are in
telah sesuai dengan ketentuan OJK, Bank Indonesia dan accordance with the provisions of the OJK, Bank Indonesia
peraturan perundang-undangan yang berlaku. and applicable laws and regulations.
e. Meminimalkan risiko kepatuhan Bank. e. Minimize Bank compliance risks.
f. Melakukan tindakan pencegahan agar kebijakan dan/atau f. Take preventive measures so that policies and/or decisions
keputusan yang diambil Direksi Bank tidak menyimpang dari taken by the Bank’s Board of Directors do not deviate from
ketentuan OJK, Bank Indonesia dan peraturan perundang- the provisions of the OJK, Bank Indonesia and applicable
undangan yang berlaku. laws and regulations.
g. Melakukan tugas-tugas lainnya yang terkait dengan g. Perform other tasks related to the Compliance function.
fungsi Kepatuhan.
Independensi Direksi Independence of the Board of Directors
1. Anggota Direksi baik secara sendiri-sendiri atau bersama-sama 1. Members of the Board of Directors, individually or collectively,
dilarang memiliki saham melebihi 25% (dua puluh lima persen) are prohibited from owning shares exceeding 25% (twenty five
dari modal disetor pada suatu perusahaan lain. percent) of the paid-up capital in another company.
2. Kepemilikan saham anggota Direksi secara sendiri sendiri 2. Share ownership of members of the Board of Directors
atau bersama-sama sehubungan penerimaan bonus dan/ individually or together in connection with receiving bonuses
atau tantiem dalam bentuk saham yang mengakibatkan and/or bonuses in the form of shares which results in share
kepemilikan saham sebesar 25% (dua puluh lima persen) atau ownership of 25% (twenty five percent) or more is excluded
lebih dikecualikan dari poin (1). from point (1).
3. Kepemilikan saham direktur utama atau direktur yang 3. Share ownership of the main director or director in charge of the
membawahkan fungsi kepatuhan yang berasal dari pemberian compliance function originating from the provision of bonuses,
bonus, tantiem, program kepemilikan Saham Bagi Manajemen, bonuses, share ownership programs for management, and/or
dan/atau Program kepemilikan saham bagi karyawan pada share ownership programs for employees in companies that are
perusahaan yang merupakan pemegang saham pengendali controlling shareholders and/or the ultimate controller of the
dan/atau pengendali terakhir Bank, tidak diperhitungkan dalam Bank, is not taken into account in assessing the independence
penilaian independensi terhadap pemegang saham pengendali, of controlling shareholders, as long as:
sepanjang:
i) kepemilikan saham merupakan kebijakan dari pemegang i) share ownership is the policy of the controlling shareholder
saham pengendali dan/atau pengendali terakhir Bank dan and/or ultimate controller of the Bank and is not an initiative
bukan merupakan inisiatif dari Direktur Utama atau Direktur of the President Director or Director in charge of the
yang membawahkan fungsi Kepatuhan; Compliance function;
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ii) kepemilikan saham tidak untuk diperdagangkan; dan ii) share ownership is not for trading; And
iii) yang bersangkutan menyampaikan surat pernyataan bahwa iii) the person concerned submits a statement that he/she
senantiasa bertindak independen selama menjadi direktur always acts independently while serving as the main director
utama atau direktur yang membawahkan fungsi kepatuhan or director in charge of the compliance function even
walaupun memiliki saham pemegang saham pengendali though he/she has shares as the controlling shareholder
dan/atau pengendali terakhir Bank. and/or ultimate controller of the Bank.
4. Mayoritas anggota Direksi dilarang memiliki hubungan keluarga 4. The majority of members of the Board of Directors are prohibited
sampai dengan derajat kedua dengan sesama anggota Direksi from having family relationships up to the second degree with
dan/atau dengan anggota Dewan Komisaris. fellow members of the Board of Directors and/or with members
of the Board of Commissioners.
5. Direktur yang membawahi fungsi Kepatuhan wajib memenuhi 5. The Director in charge of the Compliance function is required
persyaratan independen sebagaimana ditetapkan oleh to fulfill the independent requirements as determined by
peraturan Regulator. Regulatory regulations.
6. Anggota Direksi dilarang memberikan kuasa umum kepada 6. Members of the Board of Directors are prohibited from granting
pihak lain yang mengakibatkan pengalihan tugas dan general power of attorney to other parties which results in the
fungsi Direksi. transfer of the duties and functions of the Board of Directors.
7. Menandatangani Surat Pernyataan Independensi yang berlaku 7. Sign a Statement of Independence which is valid in accordance
sesuai dengan periode/masa jabatan sebagaimana ditetapkan with the period/term of office as determined in the GMS.
dalam RUPS.
8. Menandatangani Surat Pernyataan tidak memanfaatkan Bank 8. Sign a Statement Letter not to use the Bank for personal gain
untuk keuntungan pribadi yang berlaku sesuai dengan periode/ which applies in accordance with the period/term of office as
masa jabatan sebagaimana ditetapkan dalam RUPS. determined in the GMS.
Pembagian Tugas Direksi Division of Duties of the Board of Directors
1. Pembagian tugas Direksi diputuskan dalam RUPS. Dalam 1. The division of duties of the Board of Directors is determined in
hal RUPS tidak menetapkan, maka pembagian tugas dan the General Meeting of Shareholders (GMS). In case the GMS
wewenang anggota Direksi ditetapkan berdasarkan keputusan does not stipulate, the division of tasks and authorities of the
Direksi dengan persetujuan Dewan Komisaris. Board of Directors’ members shall be determined based on
the decision of the Board of Directors with the approval of the
Board of Commissioners.
2. Dalam pelaksanaan tugas, masing-masing Direksi dapat 2. In performing their duties, each member of the Board of
mengambil keputusan sesuai dengan pembagian tugas Directors may make decisions in accordance with their assigned
dan kewenangannya. tasks and authorities.
3. Kedudukan masing-masing anggota Direksi adalah setara. 3. Each member of the Board of Directors has an equal position.
Tugas Direktur Utama adalah mengkoordinasikan kegiatan/ The President Director’s task is to coordinate the work activities
aktivitas kerja Direksi. of the Board of Directors.
4. Dalam hal salah satu Direktur berhalangan sementara, maka 4. In case one of the Directors is temporarily unavailable, the
Direktur Utama dapat menentukan pengganti sementara dengan President Director may appoint a temporary replacement with
persetujuan Dewan Komisaris. Khusus untuk penggantian the approval of the Board of Commissioners. For the temporary
sementara Direktur yang membawahi fungsi kepatuhan replacement of the Director in charge of compliance functions,
harus mengikuti Peraturan OJK tentang Pelaksanaan Fungsi it must comply with the OJK Regulation on the Implementation
Kepatuhan bagi Bank Umum. of Compliance Functions for Commercial Banks.
Program Orientasi bagi Anggota Direksi Baru Orientation Program for New Members of Board of
Directors
BOD Charter Allo Bank mengatur bahwa anggota Direksi yang baru Allo Bank’s BOD Charter stipulates that newly appointed members
diangkat wajib untuk mengikuti program pengenalan perusahaan. of the Board of Directors are required to take part in a company
Program pengenalan tersebut dilakukan untuk memberikan introduction program. This introductory program is carried out to
pemahaman mengenai tugas dan tanggung jawab sebagai provide an understanding of the duties and responsibilities as a
anggota Direksi agar dijalankan sebaik-baiknya. Kegiatan ini juga member of the Board of Directors so that they can be carried out
bertujuan agar anggota Direksi dapat memahami latar belakang dan as well as possible. This activity also aims to enable members of
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kegiatan usaha Bank agar dapat mempermudah dan melancarkan the Board of Directors to understand the background and business
pelaksanaan tugas Direksi secara efektif. activities of the Bank in order to facilitate and expedite the effective
implementation of the Board of Directors’ duties.
Sehubungan dengan tidak adanya perubahan komposisi dan As the composition of the Board of Directors did not change until the
susunan Direksi hingga akhir tahun 2023, Bank tidak melaksanakan end of 2023, the Bank will not implement a program for introducing
program pengenalan Direksi baru. new Directors.
Peningkatan Kompetensi Direksi Competency Development of the Board of Directors
Allo Bank memfasilitasi seluruh Insan Bank di seluruh level Allo Bank facilitates all Bank Personnel at all levels to carry out
untuk melaksanakan program pengembangan kompetensi guna competency development programs to create superior and
menciptakan SDM yang unggul dan berdaya saing. Informasi competitive human resources. Information regarding increasing
mengenai peningkatan kompetensi Direksi sepanjang tahun the competency of the Board of Directors throughout 2023 can
2023 dapat dilihat pada Bab Profil Perusahaan dalam Laporan be seen in the Company Profile Chapter in this Annual Report.
Tahunan ini.
Pelaksanaan Tugas Direksi Tahun 2023 Implementation of Directors’ Duties in 2023
Sepanjang tahun 2023, Direksi telah melaksanakan tugas dan Throughout 2023, the Board of Directors carried out its duties and
tanggung jawabnya dalam pengelolaan Bank sesuai dengan responsibilities in managing the Bank in accordance with applicable
peraturan perundang-undangan yang berlaku, Anggaran Dasar, laws and regulations, the Articles of Association and the Bank’s
dan Rencana Bisnis Bank, antara lain dengan: Business Plan, including by:
1. Memimpin tim manajemen dalam proses penyusunan dan 1. Leading the management team in the process of preparing
evaluasi strategi Bank melalui berbagai rapat dan diskusi tentang and evaluating the Bank’s strategy through various meetings
Rencana Bisnis Bank (RBB). and discussions on the Bank Business Plan (RBB).
2. Menetapkan langkah strategis untuk mencapai misi Bank untuk 2. Determining strategic steps to achieve the Bank’s mission to
menyediakan layanan perbankan digital di Indonesia dengan provide digital banking services in Indonesia by utilizing various
mendayagunakan berbagai kekuatan kompetitif yang dimiliki. competitive strengths.
3. Mengelola risiko-risiko Bank yang dihadapi sesuai dengan risk 3. Managing the Bank’s risks in accordance with the risk appetite,
appetite, dengan bantuan berbagai komite di bawah Direksi. with the assistance of various committees under the Board
of Directors.
4. Mengeluarkan berbagai keputusan melalui perangkat kebijakan 4. Issuing various decisions through policy instruments in the
berupa Keputusan Direksi, Peraturan Direksi, Surat Edaran, form of Directors’ Decisions, Directors’ Regulations, Circulars
dan Instruksi Direksi sebagai bagian dari pelaksanaan tata and Directors’ Instructions as part of the implementation of
kelola yang baik. good governance.
Penilaian Kinerja Organ dan Komite Pendukung di Performance Assessment of Supporting Organs and
Bawah Direksi Committees under Board of Directors
Direksi menjalankan fungsi, tugas, dan tanggung jawab atas The Board of Directors carries out functions, duties and responsibilities
pengelolaan Bank dengan dibantu oleh organ pendukung yang for the management of the Bank with the assistance of structural
bersifat struktural, yaitu Sekretaris Perusahaan & PMO dan Satuan supporting organs, namely the Corporate Secretary & PMO and the
Kerja Audit Internal (SKAI), maupun organ non-struktural, yakni Internal Audit Work Unit (SKAI), as well as non-structural organs,
Komite Kredit, Komite Kebijakan Perkreditan, Komite Aktiva dan namely the Credit Committee, Credit Policy Committee, Assets and
Pasiva, Komite Manajemen Risiko, Komite Pengarah Teknologi Liabilities, Risk Management Committee, Information Technology
Informasi, dan Komite Produk. Steering Committee, and Product Committee.
Di tahun 2023, Bank menilai seluruh Komite di bawah Direksi dan In 2023, the Bank assessed that all Committees under the Board
organ pendukung struktural lainnya telah melaksanakan tugas dan of Directors and other structural supporting organs have carried
tanggung jawabnya dengan baik. out their duties and responsibilities well.
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Transparansi Informasi
terkait Dewan Komisaris
dan Direksi
Transparency of Information Regarding
The Board of Commissioners and Board
of Directors
Assessment Penerapan GCG untuk Aspek Dewan Komisaris Assessment of GCG Implementation for the Board of
dan Direksi Commissioners and Board of Directors
Dewan Komisaris dan Direksi selaku organ utama dalam struktur As the main organs in the Bank’s structure, the Board of
Bank memiliki peran sentral dalam pertumbuhan bisnis Allo Bank. Commissioners and Directors have a central role in Allo Bank’s
Untuk itu, Bank senantiasa melakukan evaluasi berupa penilaian business growth. For this reason, the Bank always carries out
(assessment) terhadap kedua organ tersebut. Assessment ini evaluations in the form of assessments of these two organs. This
bertujuan untuk memberikan evaluasi dan rekomendasi atas kinerja assessment aims to provide evaluations and recommendations
kedua organ, serta melakukan tindak lanjut atas rekomendasi yang on the performance of the two organs, as well as to carry out
muncul dari proses assessment tersebut. follow-up actions on recommendations that emerge from the
assessment process.
Di tahun 2023, assessment penerapan GCG Allo Bank memperoleh In 2023, the assessment of Allo Bank’s GCG implementation
nilai komposit sebesar 2,08 atau memperoleh predikat “BAIK” obtained a composite score of 2.08 or obtained the predicate
dari aspek Dewan Komisaris dan Direksi, masing-masing aspek “GOOD” from the aspects of the Board of Commissioners and
memperoleh skor sebesar 0,18 dan 0,37 Directors, each aspect obtained a score of 0.18 and 0.37
Hasil Assessment Penerapan GCG Aspek Dewan Komisaris dan Direksi Tahun Buku 2023
Assessment results of the implementation of GCG for the Board of Commissioners and Directors aspect for the 2023 fiscal year
Penerapan Tahun Buku 2023
Achievements for the 2023 Fiscal Year
Aspek Pengujian Bobot
Testing Aspects Weight Klasifikasi Kualitas
Nilai Penerapan GCG
Rating
Grade Classification of GCG
Implementation Quality
Dewan Komisaris BAIK
10% 0,18 1,76
Board of Commissioners GOOD
Direksi BAIK
20% 0,37 1,85
Board of Directors GOOD
Nilai Komposit < 1,5 : Sangat Baik | 1,5 <= Nilai Komposit < 2,5 : Baik | 2,5 >= Nilai Komposit <3,5 : Cukup Baik | 3,5 >= Nilai Komposit < 4,5 : Kurang Baik
| 4,5 >= Nilai Komposit <= Tidak Baik
Composite Score < 1.5: Excellent | 1.5 <= Composite Score < 2.5: Good | 2.5 >= Composite Score < 3.5: Fairly Good | 3.5 >= Composite Score < 4.5: Less
Good | 4.5 >= Composite Score <= Poor
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Penilaian Kinerja Dewan Komisaris dan Direksi Performance Assessment of the Board of
Commissioners and Board of Directors
Penilaian Kinerja Dewan Komisaris Assessment of the Board of Commissioners’ Performance
Allo Bank secara rutin melakukan evaluasi terhadap kinerja Dewan Allo Bank routinely evaluates the performance of the Board of
Komisaris yang dilakukan oleh Pemegang Saham dalam forum Commissioners by Shareholders in the GMS forum using the
RUPS dengan menggunakan metode penilaian mandiri (self- self-assessment method. The self-assessment was carried out in
assessment). Pelaksanaan self-assessment tersebut dilakukan sesuai accordance with OJK Regulation no. 55/POJK.03/2016 and OJK
dengan Peraturan OJK No. 55/POJK.03/2016 dan Surat Edaran Circular No. 13/SEOJK.03/2017 which requires Commercial Banks to
OJK No. 13/SEOJK.03/2017 yang mewajibkan Bank Umum untuk carry out an assessment of the implementation of Bank governance.
melakukan penilaian terhadap penerapan tata kelola Bank.
Bank melaksanakan proses penilaian dengan melakukan evaluasi The Bank carries out the assessment process by conducting
dari segi kompetensi dan keahlian/pengalaman, kinerja komite- evaluations in terms of competency and expertise/experience,
komite Dewan Komisaris, efektivitas pelaksanaan tanggung jawab the performance of the Board of Commissioners committees, the
Dewan Komisaris dan penilaian mandiri maupun penilaian rekan effectiveness of implementing the responsibilities of the Board of
sejawat terhadap pelaksanaan fungsi pengawasan oleh masing- Commissioners and self-assessment and peer assessment of the
masing anggota Dewan Komisaris. Selanjutnya, hasil penilaian implementation of the supervisory function by each member of the
tersebut akan disimpulkan ke dalam laporan dan diajukan kepada Board of Commissioners. Furthermore, the results of the assessment
Pemegang Saham melalui RUPS. will be summarized in a report and submitted to Shareholders
through the GMS.
Penilaian Kinerja Direksi Assessment of the Board of Directors’ Performance
Undang-Undang No. 40 tahun 2007 tentang Perseroan Terbatas Based on Law No. 40 of 2007 regarding Limited Liability Companies,
mengatur bahwa dalam hal Direksi terdiri dari 2 (dua) anggota if the Board of Directors consists of two or more members, their
Direksi atau lebih maka tanggung jawab Direksi berlaku secara responsibility applies jointly and respectively. There are two types
tanggung renteng. Terdapat 2 (dua) macam prosedur penilaian of procedures for assessing the Board of Directors’ performance
kriteria kinerja Direksi, antara lain: as follows:
• Penilaian Kinerja oleh RUPS • Performance Assessment by GMS
Masing-masing Anggota Direksi akan dievaluasi setiap tahunnya Each member of the Board of Directors will be evaluated
oleh Dewan Komisaris untuk disampaikan kepada Pemegang annually by the Board of Commissioners to be presented to
Saham dalam RUPS, berdasarkan hasil kinerja keseluruhan dari Shareholders at the GMS, based on the results of the overall
tugas dan kewajiban Direksi secara kolegial maupun individual. performance of the duties and obligations of the Board of
Hal ini menjadi salah satu bahan pertimbangan bagi pemegang Directors both collegial and individual. This is a consideration
saham untuk memberhentikan dan/atau menunjuk kembali for shareholders when dismissing and/or reappointing members
anggota Direksi. of the Board of Directors.
• Prosedur Pelaksanaan Assessment Kinerja Direksi • Procedures for Implementing Directors’ Performance
Assessments
Self-assessment atau penilaian sendiri dilakukan oleh masing- Self-assessment is carried out by each member of the Board of
masing anggota Direksi untuk menilai pelaksanaan kinerja Direksi Directors to assess the implementation of the performance of
secara kolegial, dan bukan menilai kinerja individual masing- the Board of Directors in a collegial manner, and not to assess
masing anggota Direksi. Dengan adanya self-assessment ini the individual performance of each member of the Board of
diharapkan masing-masing anggota Direksi dapat berkontribusi Directors. With this self-assessment, it is expected that each
untuk memperbaiki kinerja Direksi secara berkesinambungan. member of the Board of Directors can contribute to improving
the performance of the Board of Directors on an ongoing basis.
Prosedur penilaian kinerja Direksi melalui pelaksanaan self- The procedure for assessing the performance of the Board of
assessment GCG dilakukan pada bulan Juni dan Desember setiap Directors through the implementation of a GCG self-assessment is
tahunnya yang berdasarkan pengelolaan Bank, pencapaian target, carried out in June and December each year based on the Bank’s
upaya penanggulangan kendala dan manajemen risiko, serta management, target achievement, efforts to overcome obstacles
penerapan tata kelola perusahaan yang dilakukan. Dewan komisaris and risk management, as well as the implementation of corporate
akan mengevaluasi melalui rapat dengan Komite Remunerasi dan governance. The Board of Commissioners will evaluate it through
Nominasi kemudian hasilnya akan dilaporkan kepada pemegang meetings with the Remuneration and Nomination Committee and
saham dalam RUPS Tahunan. then the results will be reported to shareholders at the Annual GMS.
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Selanjutnya, Dewan Komisaris dan Direksi menyampaikan usulan Furthermore, the Board of Commissioners and Directors submit
persetujuan atas pencapaian kinerja Direksi dalam RUPS dan RUPS a proposal for approval of the performance achievements of the
akan memberikan pembebasan tanggung jawab sepenuhnya Board of Directors at the GMS and the GMS will grant full release
kepada para anggota Direksi atas pengurusan yang telah dijalankan from responsibility to the members of the Board of Directors for the
selama tahun buku yang lalu, sejauh tindakan tersebut tercermin management carried out during the previous fiscal year, as long
dalam Laporan Tahunan dan Laporan Keuangan, kecuali perbuatan as these actions are reflected in the Annual Report and Financial
penggelapan, penipuan dan tindakan pidana lainnya. Report, except embezzlement, fraud and other criminal acts.
Keberagaman Komposisi Dewan Komisaris dan Diversity in the Composition of the Board of
Direksi Commissioners and Directors
Penetapan komposisi Dewan Komisaris dan Direksi mengacu Determination of the composition of the Board of Commissioners
pada kebijakan keberagaman berdasarkan ketentuan Pemegang and Directors refers to the diversity policy based on the provisions
Saham dengan memperhatikan pengetahuan, usia, jenis kelamin, of Shareholders by taking into account knowledge, age, gender,
pendidikan dan pengalaman yang sesuai dengan kebutuhan dari education and experience in accordance with the needs of the
Bank, sehingga mendapatkan komposisi Dewan Komisaris dan Bank, so as to obtain an optimal composition of the Board of
Direksi yang optimal guna meningkatkan kinerja Bank ke depannya. Commissioners and Directors in order to improve the Bank’s
performance in the future.
Keberagaman komposisi Dewan Komisaris dan Direksi merupakan The diversity of the composition of the Board of Commissioners
bagian dari upaya dari Allo Bank untuk mendorong proses and Directors is part of Allo Bank’s efforts to encourage a decision-
pengambilan keputusan yang lebih objektif, komprehensif, making process that is more objective, comprehensive, optimal, and
optimal, dan memiliki dampak positif terhadap pengawasan dan has a positive impact on the supervision and management of the
pengelolaan Bank. Keberagaman komposisi ini diharapkan dapat Bank. It is hoped that this diversity in composition will enrich the
memperkaya sudut pandang dan kepentingan dalam proses viewpoints and interests in the decision-making process, both within
pengambilan keputusan, baik di tubuh Dewan Komisaris maupun the Board of Commissioners and the Board of Directors, so as to
Direksi, sehingga mampu memberikan nilai tambah bagi aspek provide added value to the Bank’s operational and business aspects.
operasional dan usaha Bank.
Tabel Keberagaman Komposisi Dewan Komisaris dan Direksi Allo Bank
Table of Diversity of Allo Bank’s Board Composition
Pengalaman dan
Nama Kewarganegaraan Usia Pendidikan Terakhir Keahlian
Gender
Name Citizenship Age Highest Education Experience and
Expertise
Komisaris
Board of Commissioners
Aviliani Indonesia 62 Perempuan Doktor Manajemen Bisnis Manajemen
Komisaris Utama Indonesian Female (S3) Management
Independen Ph.D. in Business
Independent President Management
Commissioner
Rosmaya Indonesia 64 Perempuan Magister Administrasi dan Administrasi dan
Komisaris Independen Indonesian Female Pengembangan SDM (S2) Pengembangan SDM
Independent Master’s Degree in Administration and HR
Commissioner Administration and HR Development
Development
Ali Gunawan Indonesia 60 Laki-laki Sarjana Ekonomi Akuntansi Akuntansi
Komisaris Indonesian Male (S1) Accounting
Commissioner Bachelor’s Degree in
Accounting
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Pengalaman dan
Nama Kewarganegaraan Usia Pendidikan Terakhir Keahlian
Gender
Name Citizenship Age Highest Education Experience and
Expertise
Direksi
Board of Directors
Indra Utoyo Indonesia 61 Laki-laki Doktor Ekonomi dan Bisnis Teknologi Informasi,
Direktur Utama Indonesian Male Bidang Manajemen Stratejik Ekonomi dan Manajemen
President Director (S3) Strategi
Ph.D. in Economics and Information Technology,
Business in Strategic Economics and Strategic
Management Management
Ari Yanuanto Asah Indonesia 54 Laki-laki Magister Manajemen Sistem Informasi
Direktur Keuangan, Indonesian Male Sistem Informasi (S2) Information System
Operasi & Human Master’s Degree in
Capital Information Systems
Finance, Operations & Management
Human Capital Director
Arief Tendeas Indonesia 49 Laki-laki Magister Manajemen Sistem Informasi
Direktur Bisnis Indonesian Male Sistem Informasi (S2) Information System
Business Director Master’s Degree in
Information
Systems Management
Ganda Raharja Rusli Indonesia 50 Laki-laki Sarjana Matematika (S1) Matematika
Direktur Risiko, Indonesian Male Bachelor’s Degree in Mathematics
Kepatuhan & Hukum Mathematics
Risk, Compliance &
Legal Director
Sajal Bhatnagar India 36 Laki-laki Post Graduate Diploma Manajemen dan Strategi
Direktur Digital Indian Male di IIM Management and Strategy
Digital Director Calcutta
Post Graduate Diploma
at IIM
Calcutta
Rapat Dewan Komisaris dan Direksi Meetings of the Board of Commissioners and Board
of Directors
Rapat Dewan Komisaris Board of Commissioners Meeting
BOC Charter Allo Bank mengatur bahwa Dewan Komisaris dapat Allo Bank’s BOC Charter stipulates that the Board of Commissioners
melaksanakan rapat secara berkala, minimal 1 (satu) kali dalam 2 can hold regular meetings, at least 1 (one) time in 2 (two) months
(dua) bulan atau lebih jika dianggap perlu oleh Dewan Komisaris. or more if deemed necessary by the Board of Commissioners. All
Rapat Dewan Komisaris wajib dihadiri oleh seluruh anggota Dewan members of the Board of Commissioners must physically attend
Komisaris secara fisik paling kurang 2 (dua) kali dalam setahun. meetings of the Board of Commissioners at least 2 (two) times a
Selain itu, Dewan Komisaris wajib mengadakan rapat bersama year. In addition, the Board of Commissioners is required to hold
Direksi secara berkala minimal 1 (satu) kali dalam 4 (empat) bulan. regular meetings with the Board of Directors at least 1 (one) time in
Rapat internal Dewan Komisaris maupun rapat gabungan dengan 4 (four) months. Internal meetings of the Board of Commissioners
Direksi diadakan di tempat kedudukan Bank atau tempat kegiatan and joint meetings with the Board of Directors are held at the Bank’s
usaha utama Bank. domicile or the Bank’s main business activities.
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Rapat adalah sah dan berhak mengambil keputusan yang mengikat A meeting is valid and has the right to make binding decisions
apabila dihadiri dan/atau diwakili lebih dari ½ (satu per dua) dari if attended and/or represented by more than ½ (one half) of the
jumlah anggota Dewan Komisaris yang sedang menjabat (kuorum). number of members of the Board of Commissioners who are
Keputusan rapat harus diambil berdasarkan musyawarah untuk currently serving (quorum). Meeting decisions must be taken
mufakat. Dalam hal keputusan berdasarkan musyawarah untuk based on deliberation to reach consensus. In the event that a
mufakat tidak tercapai maka keputusan dilakukan berdasarkan suara decision based on deliberation to reach consensus is not reached,
terbanyak. Dewan Komisaris dapat juga mengambil keputusan yang the decision is made based on the majority vote. The Board of
sah tanpa mengadakan rapat, dengan ketentuan semua anggota Commissioners can also make valid decisions without holding a
Dewan Komisaris telah diberitahu secara tertulis mengenai usul meeting, provided that all members of the Board of Commissioners
keputusan yang dimaksud dan semua anggota Dewan Komisaris have been notified in writing regarding the proposed decision in
memberikan persetujuan mengenai usul yang diajukan secara question and all members of the Board of Commissioners have
tertulis dengan menandatangani sirkuler tersebut. given their approval to the proposal submitted in writing by signing
the circular.
Hasil rapat wajib dituangkan dalam risalah rapat, kemudian The results of the meeting must be stated in the minutes of
ditandatangani oleh seluruh anggota Dewan Komisaris yang hadir the meeting, then signed by all members of the Board of
dan disampaikan kepada seluruh anggota Dewan Komisaris. Untuk Commissioners present and submitted to all members of the
rapat Dewan Komisaris bersama dengan Direksi, risalah rapat Board of Commissioners. For joint meetings between the Board
ditandatangani oleh Direksi dan Dewan Komisaris yang hadir of Commissioners and the Board of Directors, the minutes of the
dan disampaikan kepada seluruh Direksi dan Dewan Komisaris. meeting are signed by the Directors and Board of Commissioners
Perbedaan pendapat yang terjadi dalam rapat wajib dicantumkan present and submitted to all Directors and Board of Commissioners.
secara jelas dalam risalah rapat beserta alasan perbedaan pendapat Differences of opinion that occur at the meeting must be stated
tersebut. Risalah rapat merupakan bukti sah, baik untuk para clearly in the minutes of the meeting along with the reasons for the
anggota Dewan Komisaris maupun pihak lain mengenai keputusan difference of opinion. Minutes of meetings are valid evidence, both
yang diambil dalam rapat yang bersangkutan. Risalah rapat wajib for members of the Board of Commissioners and other parties,
diadministrasikan dengan baik oleh Sekretaris Perusahaan. regarding the decisions taken at the meeting in question. Minutes of
meetings must be properly administered by the Corporate Secretary.
Sepanjang tahun 2023, Dewan Komisaris telah menyelenggarakan Throughout 2023, the Board of Commissioners held 14 (fourteen)
Rapat Dewan Komisaris sebanyak 14 (empat belas) kali dan Rapat Board of Commissioners meetings and 12 (twelve) Board of
Dewan Komisaris bersama Direksi sebanyak 12 (dua belas) kali. Commissioners and Board of Directors meetings. Details of the
Rincian risalah dan tingkat kehadiran Dewan Komisaris dalam rapat minutes and attendance levels of the Board of Commissioners at
sepanjang tahun 2023 disajikan sebagai berikut. meetings throughout 2023 are presented as follows.
Risalah dan Peserta Rapat Internal Dewan Komisaris Tahun 2023
Minutes and Participants of the 2023 Board of Commissioners Internal Meeting
Tanggal Peserta
No Agenda
Date Participants
1 25 Januari 2023 Tindak lanjut temuan audit OJK Aviliani
January 25, 2023 Struktur Keanggotaan Komite Pemantau Risiko Rosmaya
Follow up on OJK audit findings Risk Oversight Committee Membership Structure Ali Gunawan
2 6 Maret 2023 Pengembangan Human Capital Aviliani
March 6, 2023 Human Capital Development Rosmaya
Ali Gunawan
3 27 Maret 2023 Penggunaan Kantor Akuntan Publik Baru untuk Audit Laporan Keuangan Bank Tahun Aviliani
March 27, 2023 Buku 2023 Rosmaya
Use of a New Public Accounting Firm to Audit Bank Financial Reports for the 2023 Fiscal Ali Gunawan
Year
4 17 April 2023 1. Proposal sistem Voicebot untuk Digital Loan Collection Aviliani
April 17, 2023 2. PayLater Risk Acceptance Criteria Rosmaya
1. Proposal for a Voicebot system for Digital Loan Collection Ali Gunawan
2. PayLater Risk Acceptance Criteria
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Tanggal Peserta
No Agenda
Date Participants
5 12 Juni 2023 APU PPT Update Aviliani
June 12, 2023 AML-CTF Update Rosmaya
Ali Gunawan
6 21 Juni 2023 Struktur Komite Kredit, Position Limit dan Stop Loss serta Matrix keterlibatan Komisaris Aviliani
June 21, 2023 Credit Committee Structure, Position Limit and Stop Loss as well as Commissioner Rosmaya
involvement Matrix Ali Gunawan
7 24 Juli 2023 1. Pembahasan Komite di bawah Direksi Aviliani
July 24, 2023 2. tindak lanjut temuan audit OJK Rosmaya
1. Discussion of Committees under the Board of Directors Ali Gunawan
2. follow up on OJK audit findings
8 7 Agustus 2023 Kewajiban Audit Eksternal untuk pemenuhan LPS Aviliani
August 7, 2023 External Audit obligations for LPS compliance Rosmaya
Ali Gunawan
9 4 September 2023 Perubahan Susunan Komite Direksi Allo Bank Aviliani
September 4, 2023 Changes in the Composition of the Allo Bank Board of Directors Committee Rosmaya
Ali Gunawan
10 13 September 2023 Tindak Lanjut atas Perubahan Anggaran Dasar PT Allo Bank Indonesia Tbk Aviliani
September 13, 2023 Follow-up on Changes to the Articles of Association of PT Allo Bank Indonesia Tbk Rosmaya
Ali Gunawan
11 25 Oktober 2023 Pemaparan POJK No. 17 Tahun 2023 tentang Penerapan Tata Kelola bagi Bank Umum Aviliani
October 25, 2023 POJK Exposure No. 17 of 2023 concerning Implementation of Governance for Rosmaya
Commercial Banks Ali Gunawan
12 6 November 2023 Penyesuaian SK Dewan Komisaris berdasarkan Anggaran Dasar tahun 2023 Aviliani
November 6, 2023 Adjustment of the Board of Commissioners' Decree based on the 2023 Articles of Rosmaya
Association Ali Gunawan
13 22 November 2023 Pembahasan Rencana Aksi Keuangan Berkelanjutan tahun 2024 Aviliani
November 22, 2023 Discussion of the 2024 Sustainable Finance Action Plan Rosmaya
Ali Gunawan
14 11 Desember 2023 Penerapan Program APU PPT & PPPSPM Aviliani
December 11, 2023 Implementation of the AML-CTF & CPF Program Rosmaya
Ali Gunawan
Risalah dan Peserta Rapat Gabungan Dewan Komisaris dan Direksi Tahun 2023
Minutes and Participants of the 2022 Joint Meeting of the Board of Commissioners & Directors
Tanggal Peserta
No Agenda
Date Participants
1 30 Januari 2023 1. Digital Business Update Aviliani
January 30, 2023 2. Wholesale Banking Update Rosmaya
3. Kinerja Finansial Desember 2022 Ali Gunawan
4. Any Other Business Indra Utoyo
1. Digital Business Update Ari Yanuanto Asah
2. Wholesale Banking Update Arief Tendeas
3. Financial Performance December 2022 Ganda Raharja Rusli
4. Any Other Business Sajal Bhatnagar
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Tanggal Peserta
No Agenda
Date Participants
2 27 Februari 2023 1. Digital Business Update Aviliani
February 27, 2023 2. Wholesale Banking Update Rosmaya
3. Kinerja Finansial Januari 2023 Ali Gunawan
4. Any Other Business Indra Utoyo
1. Digital Business Update Ari Yanuanto Asah
2. Wholesale Banking Update Arief Tendeas
3. Financial Performance January 2023 Ganda Raharja Rusli
4. Any Other Business Sajal Bhatnagar
3 27 Maret 2023 1. Digital Business Update Aviliani
March 27, 2023 2. Wholesale Banking Update Rosmaya
3. Kinerja Finansial Februari 2023 Ali Gunawan
4. Any Other Business Indra Utoyo
1. Digital Business Update Ari Yanuanto Asah
2. Wholesale Banking Update Arief Tendeas
3. Financial Performance February 2023 Ganda Raharja Rusli
4. Any Other Business Sajal Bhatnagar
4 10 April 2023 1. Digital Business Update Aviliani
April 10, 2023 2. Wholesale Banking Update Rosmaya
3. Kinerja Finansial Maret 2023 Ali Gunawan
4. Any Other Business Indra Utoyo
1. Digital Business Update Ari Yanuanto Asah
2. Wholesale Banking Update Arief Tendeas
3. Financial Performance March 2023 Ganda Raharja Rusli
4. Any Other Business Sajal Bhatnagar
5 29 Mei 2023 1. Digital Business Update Aviliani
May 29, 2023 2. Wholesale Banking Update Rosmaya
3. Kinerja Finansial Maret 2023 Ali Gunawan
4. Any Other Business Indra Utoyo
1. Digital Business Update Ari Yanuanto Asah
2. Wholesale Banking Update Arief Tendeas
3. Financial Performance March 2023 Ganda Raharja Rusli
4. Any Other Business Sajal Bhatnagar
6 26 Juni 2023 1. Digital Business Update Aviliani
June 6, 2023 2. Wholesale Banking Update Rosmaya
3. Kinerja Finansial Maret 2023 Ali Gunawan
4. Any Other Business Indra Utoyo
1. Digital Business Update Ari Yanuanto Asah
2. Wholesale Banking Update Arief Tendeas
3. Financial Performance March 2023 Ganda Raharja Rusli
4. Any Other Business Sajal Bhatnagar
7 31 Juli 2023 1. Digital Business Update Aviliani
July 7, 2023 2. Wholesale Banking Update Rosmaya
3. Kinerja Finansial Maret 2023 Ali Gunawan
4. Any Other Business Indra Utoyo
1. Digital Business Update Ari Yanuanto Asah
2. Wholesale Banking Update Arief Tendeas
3. Financial Performance March 2023 Ganda Raharja Rusli
4. Any Other Business Sajal Bhatnagar
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Tanggal Peserta
No Agenda
Date Participants
8 28 Agustus 2023 1. Digital Business Update Aviliani
August 28, 2023 2. Wholesale Banking Update Rosmaya
3. Kinerja Finansial Maret 2023 Ali Gunawan
4. Any Other Business Indra Utoyo
1. Digital Business Update Ari Yanuanto Asah
2. Wholesale Banking Update Arief Tendeas
3. Financial Performance March 2023 Ganda Raharja Rusli
4. Any Other Business Sajal Bhatnagar
9 25 September 2023 1. Digital Business Update Aviliani
September 25, 2023 2. Wholesale Banking Update Rosmaya
3. Kinerja Finansial Maret 2023 Ali Gunawan
4. Any Other Business Indra Utoyo
1. Digital Business Update Ari Yanuanto Asah
2. Wholesale Banking Update Arief Tendeas
3. Financial Performance March 2023 Ganda Raharja Rusli
4. Any Other Business Sajal Bhatnagar
10 30 Oktober 2023 1. Digital Business Update Aviliani
October 30, 2024 2. Wholesale Banking Update Rosmaya
3. Kinerja Finansial Maret 2023 Ali Gunawan
4. Any Other Business Indra Utoyo
1. Digital Business Update Ari Yanuanto Asah
2. Wholesale Banking Update Arief Tendeas
3. Financial Performance March 2023 Ganda Raharja Rusli
4. Any Other Business Sajal Bhatnagar
11 27 November 2023 1. Digital Business Update Aviliani
November 27, 2023 2. Wholesale Banking Update Rosmaya
3. Kinerja Finansial Maret 2023 Ali Gunawan
4. Any Other Business Indra Utoyo
1. Digital Business Update Ari Yanuanto Asah
2. Wholesale Banking Update Arief Tendeas
3. Financial Performance March 2023 Ganda Raharja Rusli
4. Any Other Business Sajal Bhatnagar
12 18 Desember 2023 1. Digital Business Update Aviliani
December 18, 2023 2. Wholesale Banking Update Rosmaya
3. Kinerja Finansial Maret 2023 Ali Gunawan
4. Any Other Business Indra Utoyo
1. Digital Business Update Ari Yanuanto Asah
2. Wholesale Banking Update Arief Tendeas
3. Financial Performance March 2023 Ganda Raharja Rusli
4. Any Other Business Sajal Bhatnagar
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Tingkat Kehadiran Dewan Komisaris dalam Rapat Internal dan Rapat Bersama Direksi
Attendance Records of the Board of Commissioners in Internal Meetings and Joint Meetings with the Board of Directors
Rapat Gabungan Dewan
Rapat Internal Dewan Jumlah Rapat Dewan
Komisaris dengan Direksi
Komisaris Komisaris
Joint Meeting of the Board of
Internal Meeting of the Board Total Number of Board of
Commissioners and the Board
of Commissioners Commissioners Meetings
of Directors
Nama Jabatan
Jumlah dan (%) Kehadiran Jumlah dan (%) Kehadiran Jumlah dan (%) Kehadiran
Name Position
Total and (%) Attendance Total and (%) Attendance Total and (%) Attendance
Jumlah Jumlah Jumlah Jumlah Jumlah Jumlah
Rapat Kehadiran Rapat Kehadiran Rapat Kehadiran
% % %
Number of Total Number of Total Number of Total
Meetings Attendance Meetings Attendance Meetings Attendance
Aviliani Komisaris Utama
Independen
Independent 12 12 100 14 14 100 26 26 100
President
Commissioner
Rosmaya Komisaris
Independen
12 12 100 14 14 100 26 26 100
Independent
Commissioner
Ali Gunawan Komisaris
12 12 100 14 14 100 26 26 100
Commissioner
Rapat Direksi Board of Directors Meeting
BOD Charter Allo Bank mengatur bahwa Direksi dapat Allo Bank’s BOD Charter regulates that the Board of Directors can
menyelenggarakan rapat internal secara berkala sebanyak 1 (satu) hold regular internal meetings 1 (one) time in 1 (one) month or more
kali dalam 1 (satu) bulan atau lebih jika dianggap perlu oleh Direktur if deemed necessary by the President Director or other members
Utama atau anggota Direksi lainnya. Di samping itu, Direksi wajib of the Board of Directors. In addition, the Board of Directors is
mengadakan rapat Direksi bersama dengan Dewan Komisaris secara required to hold joint Board of Directors meetings with the Board of
berkala minimal 1 (satu) kali dalam 4 (empat) bulan. Commissioners periodically at least 1 (one) time in 4 (four) months.
Keputusan rapat Direksi diambil berdasarkan musyawarah untuk Decisions at the Board of Directors meetings are taken based on
mufakat. Dalam hal keputusan berdasarkan musyawarah untuk deliberation to reach consensus. In the event that a decision based
mufakat tidak tercapai maka keputusan diambil dengan pemungutan on deliberation to reach consensus is not reached, the decision is
suara berdasarkan suara setuju lebih dari ½ (satu per dua) dari taken by voting based on affirmative votes of more than ½ (one-
jumlah suara yang dikeluarkan yang sah dalam rapat. half) of the number of valid votes cast at the meeting.
Di tahun 2023, Direksi telah menyelenggarakan Rapat Internal In 2023, the Board of Directors has held 50 Internal Meetings
sebanyak 50 kali dan Rapat Direksi bersama Dewan Komisaris and 12 (twelve) Board of Directors and Board of Commissioners
sebanyak 12 (dua belas) kali. Rincian risalah dan tingkat kehadiran meetings. Details of the minutes and attendance levels of the Board
Dewan Komisaris dalam rapat sepanjang tahun 2023 disajikan of Commissioners at meetings throughout 2023 are presented
sebagai berikut. as follows.
Laporan Tahunan & Laporan Keberlanjutan 2023
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 353
Risalah dan Peserta Rapat Internal Direksi Tahun 2023
Minutes and Participants of the 2023 Board of Directors Internal Meeting
Tanggal Peserta
No Agenda
Date Participants
1 3 Januari 2023 1. Market Conduct Review Ari Yanuanto Asah
January 3, 2023 2. Compliance Update Arief Tendeas
3. Procurement & Business Planning Organization Update Ganda Raharja Rusli
4. Bloomberg Budget Proposal Sajal Bhatnagar
5. Partnership Update
2 10 Januari 2023 1. Human Capital Update Indra Utoyo
January 10, 2023 2. User Business Access Ari Yanuanto Asah
3. Market Conduct Update Arief Tendeas
4. Fraud Organization Update Ganda Raharja Rusli
Sajal Bhatnagar
3 17 Januari 2023 1. Vendor Management Framework Indra Utoyo
January 17, 2023 2. Cost Allocation Ari Yanuanto Asah
3. Sosialisasi POJK Arief Tendeas
4. PACE Update Ganda Raharja Rusli
5. Digital Product Update Sajal Bhatnagar
6. Corporate Customer Engagement
7. Policy & Procedure Project Update
8. Contact Center
9. Vendor Management Framework
10. Cost Allocation
11. POJK dissemination
12. PACE Update
13. Digital Product Updates
14. Corporate Customer Engagement
15. Policy & Procedure Project Update
16. Contact Center
4 24 Januari 2023 1. Credit Pipeline Update Indra Utoyo
January 24, 2023 2. Partnership Update Ari Yanuanto Asah
3. Asean Tower Update Arief Tendeas
4. ATMR update BASEL III – Operational Risk Ganda Raharja Rusli
5. ATMR update BASEL III – Credit Risk Sajal Bhatnagar
6. Independent Audit Update
5 31 Januari 2023 1. PACE Update Indra Utoyo
January 31, 2023 2. RCSA Update Ari Yanuanto Asah
3. IT Project Update Arief Tendeas
4. Policy & Procedure Update Ganda Raharja Rusli
5. Digital Credit Underwriting Sajal Bhatnagar
6. Bank Devisa
7. Event Nonton Bareng
6 7 Februari 2023 1. Procurement & Business Planning Update Indra Utoyo
February 7, 2023 2. Paylater Update Ari Yanuanto Asah
3. BCM Project Charter Arief Tendeas
Ganda Raharja Rusli
Sajal Bhatnagar
7 14 Februari 2023 1. AML-CTF System Development Indra Utoyo
February 14, 2023 2. Fraud Monitoring Ari Yanuanto Asah
3. Partnership Update Arief Tendeas
4. Collection Update Ganda Raharja Rusli
Sajal Bhatnagar
2023 Annual Report & Sustainability Report
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354 Performa 2023
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Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Tanggal Peserta
No Agenda
Date Participants
8 21 Februari 2023 1. Policy & Procedure Update Indra Utoyo
February 21, 2023 2. Procurement Update Ari Yanuanto Asah
3. Product Update Arief Tendeas
4. Growth Update Ganda Raharja Rusli
5. Bank Devisa Update Sajal Bhatnagar
6. Partnership Update
7. Fraud Update
8. AML-CTF Update
9. Digital Lending Update
10. Finance & Accounting Update
9 28 Februari 2023 1. PACE Update Indra Utoyo
February 28, 2023 2. Data Platform Ari Yanuanto Asah
3. Digital Lending Update Arief Tendeas
4. Product Update Ganda Raharja Rusli
5. Partnership Update Sajal Bhatnagar
6. Digital & Wholesale Performance
7. Paylater Findings
8. Compliance Update
10 7 Maret 2023 1. Audit Update Indra Utoyo
March 7, 2023 2. RUPS Update Ari Yanuanto Asah
3. Policy & Procedure Update Arief Tendeas
4. Partnership Update Ganda Raharja Rusli
5. IT Organization Sajal Bhatnagar
6. CT Corpora Agreement
7. Accounting & Finance Update
8. Credit Review Update
9. Sales Ops Hiring Plan
10. Compliance Update
11. Data Center Interior Budget
11 14 Maret 2023 1. Cyber Risk Update Indra Utoyo
March 14, 2023 2. Himbauan PPATK/PPATK Appeal Ari Yanuanto Asah
3. Product Update Arief Tendeas
4. Partnership Update Ganda Raharja Rusli
5. Growth Update Sajal Bhatnagar
6. Corporate Funding Organization
7. PACE Update
8. Allo Club
9. Bank Devisa
12 21 Maret 2023 1. Customer Verification Cost Update Indra Utoyo
March 21, 2023 2. Compliance Update Ari Yanuanto Asah
3. Interbank Scorecard Arief Tendeas
4. Contact Center Update Ganda Raharja Rusli
5. Policy & Procedure Project Update Sajal Bhatnagar
6. Branch Branding Ramadhan
13 28 Maret 2023 1. Cyber Risk Update Indra Utoyo
March 28, 2023 2. PACE Update Ari Yanuanto Asah
3. Flexible Deposit Rate Arief Tendeas
4. Digital Loan Update Ganda Raharja Rusli
5. Road to Allo Bank Festival Sajal Bhatnagar
14 4 Maret 2023 1. Partnership Update Indra Utoyo
March 4, 2023 2. Digital Loan Update Arief Tendeas
3. RUPS Budget Ganda Raharja Rusli
4. Compliance Update Sajal Bhatnagar
5. Risk Profile Indicator Update
6. Allo Bisnis Update
7. Credit Risk Stress Test
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 357
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Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 355
Tanggal Peserta
No Agenda
Date Participants
15 11 April 2023 1. Internal Audit Finding Indra Utoyo
April 11, 2023 2. Credit Pipeline Ari Yanuanto Asah
3. Digital Product Update Arief Tendeas
4. PACE Update Ganda Raharja Rusli
5. Voicebot Budget Sajal Bhatnagar
6. Partnership Update
16 18 April 2023 1. Internal Audit Finding Indra Utoyo
April 18, 2023 2. Compliance Ari Yanuanto Asah
3. Partnership Arief Tendeas
4. Collection Ganda Raharja Rusli
Sajal Bhatnagar
17 2 Mei 2023 1. Road To Allo Bank Festival Indra Utoyo
May 2, 2023 2. SNAP API Ari Yanuanto Asah
3. Partnership Update Arief Tendeas
4. Treasury Update Ganda Raharja Rusli
5. Credit Update Sajal Bhatnagar
18 9 Mei 2023 1. Internal Audit Finding Indra Utoyo
May 9, 2023 2. Customer Data Quality Ari Yanuanto Asah
3. Partnership Update Arief Tendeas
4. Digital Lending Update Ganda Raharja Rusli
5. Policy & Procedure Project Update Sajal Bhatnagar
6. E-materai
19 16 Mei 2023 1. Cyber Security Testing Indra Utoyo
May 16, 2023 2. Credit Process Ari Yanuanto Asah
3. SNAP API Update Arief Tendeas
4. Bank Devisa Update Ganda Raharja Rusli
5. Product Update Sajal Bhatnagar
6. Credit Document Archiving
7. Partnership Update
8. PACE Update
9. Fraud Case Discussion
20 23 Mei 2023 1. Internal Audit Update Indra Utoyo
May 23, 2023 2. Compliance Update Ari Yanuanto Asah
3. Operational Risk Update Arief Tendeas
4. PACE Update Ganda Raharja Rusli
5. Product & Apps UI/UX Sajal Bhatnagar
6. Offline Partnership
7. Bank Devisa Update
21 30 Mei 2023 1. Compliance Update Indra Utoyo
May 30, 2023 2. Allo Buddy for Paylater Ari Yanuanto Asah
3. Information Security Policy Arief Tendeas
4. Workplace Experience Survey Ganda Raharja Rusli
5. Bank Devisa Update Sajal Bhatnagar
6. Partnership Update
22 6 Juni 2023 1. PACE Update Indra Utoyo
June 6, 2023 2. Allo Bisnis Update Ari Yanuanto Asah
3. Enterprise Risk Update Arief Tendeas
4. IT Strategy & Governance Update Ganda Raharja Rusli
5. Bank Devisa Update Sajal Bhatnagar
6. Digital Product Update
7. Fraud Update
8. Credit Risk Update
9. Partnership Update
2023 Annual Report & Sustainability Report
Page 358
356 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Tanggal Peserta
No Agenda
Date Participants
23 13 Juni 2023 1. Credit Risk Update Indra Utoyo
June 13, 2023 2. Partnership Update Ari Yanuanto Asah
3. IT Infrastructure Reinforcement Arief Tendeas
4. Accountability Matrix Ganda Raharja Rusli
5. TBO & Covenant Document Sajal Bhatnagar
24 20 Juni 2023 1. RBB Revision Indra Utoyo
June 20, 2023 2. Digital Lending Update Ari Yanuanto Asah
3. Fraud Detection System Ganda Raharja Rusli
4. Partnership Update Sajal Bhatnagar
5. Treasury Update
6. Safe Deposit Box Update
7. Digital Product Update
25 27 Juni 2023 1. SNAP API Update Indra Utoyo
June 27, 2023 2. Transaction Processing & Monitoring Update Ari Yanuanto Asah
3. Data Center Update Arief Tendeas
4. Digital Business Growth Ganda Raharja Rusli
5. VISA Card Management System (CMS) Sajal Bhatnagar
6. Business & Partnership Update
7. PACE Update
26 4 Juli 2023 1. Komite Dibawah Direksi Indra Utoyo
July 4, 2023 2. License Vendor PSAK 71 Ari Yanuanto Asah
3. MPP for Research Activity Arief Tendeas
4. Digital Loan Tenor Ganda Raharja Rusli
5. Pendaftaran Merek Allo Bank Festival/Allo Bank Festival Sajal Bhatnagar
Trademark Registration
6. Endpoint Detection & Response Tool
7. Collection Update
8. MyAllo Integration
9. BCM Update
10. Business & Partnership Update
27 11 Juli 2023 1. Credit Update Indra Utoyo
July 11, 2023 2. People Operations Update Ari Yanuanto Asah
3. PACE Update Arief Tendeas
4. Digital Product Update Ganda Raharja Rusli
5. Corporate Social Responsibility Sajal Bhatnagar
6. Business & Partnership Update
7. NFSR Update
8. Compliance Update
9. Digital Lending Update
10. Contact Center Update
11. Promo Engine
28 18 Juli 2023 1. IT Infrastructure & Operations Organization Update Indra Utoyo
July 18, 2023 2. Rekening Dana Nasabah/Customer Fund Account Ari Yanuanto Asah
3. Digital Product Update Arief Tendeas
4. Digital Lending Update Ganda Raharja Rusli
5. PACE Update Sajal Bhatnagar
6. Business & Partnership Update
7. Bank Devisa Update
29 25 Juli 2023 1. Paylater Case Indra Utoyo
July 25, 2023 2. People & Culture Organization Ari Yanuanto Asah
3. Digital Product Update Arief Tendeas
4. Growth Update Ganda Raharja Rusli
5. Business & Partnership Update Sajal Bhatnagar
Laporan Tahunan & Laporan Keberlanjutan 2023
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Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
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Laporan Keberlanjutan
Sustainability Report 357
Tanggal Peserta
No Agenda
Date Participants
30 1 Agustus 2023 1. Accounting & Financial System Indra Utoyo
August 1, 2023 2. Security Awareness & Phishing Simulation Ari Yanuanto Asah
3. Google Workspace Arief Tendeas
4. Contact Center Update Ganda Raharja Rusli
5. Digital Lending Update Sajal Bhatnagar
6. Business & Partnership Update
7. Digital Product Update
31 8 Agustus 2023 1. Fraud Case Indra Utoyo
August 8, 2023 2. Stress Test Ari Yanuanto Asah
3. Key Risk Indicator (KRI) Ganda Raharja Rusli
4. Testing Vendor Sajal Bhatnagar
5. Growth Update
6. Business & Partnership Update
7. Digital Product Update
8. PACE Update
32 15 Agustus 2023 1. Policy & Procedure Update Indra Utoyo
August 15, 2023 2. Business & Partnership Update Ari Yanuanto Asah
3. Growth Update Arief Tendeas
4. Compliance Update Ganda Raharja Rusli
5. ODC Extension Sajal Bhatnagar
6. PACE Update
7. RDN Update
33 22 Agustus 2023 1. Credit Update Indra Utoyo
August 22, 2023 2. KYC Vendor Update Ari Yanuanto Asah
3. Business & Partnership Update Arief Tendeas
4. ManPower Planning Ganda Raharja Rusli
5. Compliance Update Sajal Bhatnagar
6. Corporate Calendar
34 29 Agustus 2023 1. Credit Risk Update Indra Utoyo
August 29, 2023 2. Anti-Fraud Rules Review Ari Yanuanto Asah
3. Ayoconnect Arief Tendeas
4. Digital Strategy Update Ganda Raharja Rusli
5. Secure Parking Update Sajal Bhatnagar
6. Compliance Update
7. Business & Partnership Update
8. SFP Network Security Module
35 5 September 2023 1. Customer Event Sponsorship Indra Utoyo
September 5, 2023 2. Server & Network Data Center Ari Yanuanto Asah
3. Raw Data AML CTF Arief Tendeas
4. Digital Lending Update Ganda Raharja Rusli
5. Partnership Update Sajal Bhatnagar
6. Digital Strategy Organization
7. Digital Non-Lending Product Organization
8. Growth Update
36 12 September 2023 1. Pendaftaran Merek/Trademark Registration Indra Utoyo
September 12, 2023 2. Credit Risk Update Ari Yanuanto Asah
3. Partnership Update2 Arief Tendeas
4. Creative Lab MPP Ganda Raharja Rusli
5. Task Force - BI Fast Sajal Bhatnagar
6. Digital Product Update
7. Skema Insentif Proses Collection/Incentive Collection
Process Scheme
8. Growth Update
2023 Annual Report & Sustainability Report
Page 360
358 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Tanggal Peserta
No Agenda
Date Participants
37 19 September 2023 1. Regulatory Reporting System Indra Utoyo
September 19, 2023 2. PSAK 71 Ari Yanuanto Asah
3. Digital Non-Lending Product Update Ganda Raharja Rusli
4. Allo Grow Promo Sajal Bhatnagar
5. Partnership Update
6. Infomedia 3rd Party Assessment
7. Compliance AML CTF MPP
38 26 September 2023 1. Customer Protection Self-Assessment Indra Utoyo
September 26, 2023 2. Partnership Update Ari Yanuanto Asah
3. Growth Update Arief Tendeas
4. IT Security Enhancement Ganda Raharja Rusli
5. Credit Risk MPP Sajal Bhatnagar
6. IT Directorate MPP
7. Data Center
39 3 October 2023 1. Allo Hangout Update Indra Utoyo
October 3, 2023 2. Handover Literasi dan Inklusi/Literacy and Inclusion Ari Yanuanto Asah
Handover Arief Tendeas
3. Limit BMPK Ganda Raharja Rusli
4. Partnership Update Sajal Bhatnagar
5. Internal Audit MPP
6. Cyber Risk MPP
40 10 October 2023 1. Anti-Fraud Rule Indra Utoyo
October 10, 2023 2. Stress Test Debitur Kredit/Credit Debtor Stress Test Ari Yanuanto Asah
3. Calendar 2024 Arief Tendeas
4. EOMR MPP Ganda Raharja Rusli
5. Allo Grow Interest Rate Sajal Bhatnagar
6. Self-Assessment Penerapan Pelindungan Konsumen/ Self-
Assessment of Consumer Protection Implementation
7. Business & Partnership Update
8. Allo Hangout Update
9. Growth Update
10. Digital Lending Update
41 17 October 2023 1. Mezzanine Renovation Plan Indra Utoyo
October 17, 2023 2. Growth Update Ari Yanuanto Asah
3. AML CTF System Development Arief Tendeas
4. e-KYC Update Ganda Raharja Rusli
5. PACE Initiatives Sajal Bhatnagar
6. Allo Hangout Update
42 24 October 2023 1. Credit Update Indra Utoyo
October 24, 2023 2. Nonton Bareng Event/Watch Along Event Ari Yanuanto Asah
3. Digital Lending Update Arief Tendeas
4. Partnership Update Ganda Raharja Rusli
5. Growth Update Sajal Bhatnagar
6. CSR Update
7. IT Security Update
8. Digital Product Update
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 361
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 359
Tanggal Peserta
No Agenda
Date Participants
43 31 October 2023 1. Process Management Update Indra Utoyo
October 31, 2023 2. Partnership Update Ari Yanuanto Asah
3. Growth Update Arief Tendeas
4. Funding Update Ganda Raharja Rusli
5. Office Renovation Plan Update Sajal Bhatnagar
6. Regulatory Reporting System
7. HC initiatives
8. Digital Product Update
44 7 November 2023 1. Credit Risk Update Indra Utoyo
November 7, 2023 2. BCM Update Ari Yanuanto Asah
3. Riplay Update Arief Tendeas
4. Allo Hangout Update Ganda Raharja Rusli
5. HC initiatives
6. Partnership Update
7. Fraud Management Update
45 14 November 2023 1. Fraud Management Update Indra Utoyo
November 14, 2023 2. IT Security Update Ari Yanuanto Asah
3. Partnership Update Arief Tendeas
4. Growth Update Ganda Raharja Rusli
5. Digital Lending Update Sajal Bhatnagar
46 21 November 2023 1. Compliance Update Indra Utoyo
November 21, 2023 2. Digital Product Update Ari Yanuanto Asah
3. Treasury Update Arief Tendeas
4. Contact Center Vendor Update Ganda Raharja Rusli
5. Growth Update Sajal Bhatnagar
6. Partnership Update
47 28 November 2023 1. BCM Update Indra Utoyo
November 28, 2023 2. KCI Update Ari Yanuanto Asah
3. Partnership Update Arief Tendeas
4. Digital Product Update Ganda Raharja Rusli
5. Growth Update Sajal Bhatnagar
6. Digital Lending Update
7. Credit Risk Update
48 5 Desember 2023 1. Bank Devisa Update Indra Utoyo
December 5, 2023 2. IT Infrastructure Update Ari Yanuanto Asah
3. IT Security Update Arief Tendeas
4. HC Update Ganda Raharja Rusli
5. Partnership Update Sajal Bhatnagar
49 12 Desember 2023 1. Contact Center Update Indra Utoyo
December 12, 2023 2. Partnership Update Ari Yanuanto Asah
3. Vending Machine Initiative Arief Tendeas
4. Bank Devisa Update Ganda Raharja Rusli
5. Annual & Sustainability Report Sajal Bhatnagar
50 19 Desember 1. Cyber Risk Update Ari Yanuanto Asah
2023 2. Customer Data Update Arief Tendeas
December 19, 2023 3. Virtual Debit Card Update Ganda Raharja Rusli
4. DLP Tools Sajal Bhatnagar
5. HC Update
6. Partnership Update
2023 Annual Report & Sustainability Report
Page 362
360 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Tingkat Kehadiran Direksi dalam Rapat Internal dan Rapat bersama Dewan Komisaris
Attendance Records of the Board of Directors in Internal Meetings and Joint Meetings with the Board of Commissioners
Rapat Gabungan Dewan
Komisaris dengan Direksi
Rapat Internal Direksi Jumlah Rapat Direksi
Joint Meeting of the Board of
Internal Meeting Directors Total of Meetings Directors
Commissioners and the Board
of Directors
Nama Jabatan
Jumlah dan (%) Kehadiran Jumlah dan (%) Kehadiran Jumlah dan (%) Kehadiran
Name Position
Total and (%) Attendance Total and (%) Attendance Total and (%) Attendance
Jumlah Jumlah Jumlah Jumlah Jumlah Jumlah
Rapat Kehadiran Rapat Kehadiran Rapat Kehadiran
% % %
Number of Total Number of Total Number of Total
Meetings Attendance Meetings Attendance Meetings Attendance
Indra Utoyo Direktur Utama
62
President 12 12 100% 50 48 96% 60 97%
Director
Ari Yanuanto Direktur
Asah Keuangan,
Operasi &
Human Capital
12 12 100% 50 49 98% 62 61 98%
Finance,
Operations &
Human Capital
Director
Arief Direktur Bisnis
12 12 100% 50 47 94% 62 59 96%
Tendeas Business Director
Ganda Direktur Risiko,
Raharja Rusli Kepatuhan &
Hukum 12 12 100% 50 50 100% 62 62 100%
Risk, Compliance
& Legal Director
Sajal Direktur Digital
12 12 100% 50 49 98% 62 61 98%
Bhatnagar Digital Director
Laporan Tahunan & Laporan Keberlanjutan 2023
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Sustainability Report 361
Nominasi dan Remunerasi
Dewan Komisaris dan
Direksi
Nomination and Remuneration
of Board of Commissioners and
Directors
Pemegang saham memiliki kewenangan untuk mengangkat dan Shareholders have the authority to appoint and dismiss members
memberhentikan anggota Dewan Komisaris dan Direksi melalui of the Board of Commissioners and Directors through the GMS
mekanisme RUPS. Pemegang saham juga berwenang untuk mechanism. Shareholders are also authorized to delegate the
mendelegasikan penetapan besaran remunerasi bagi anggota determination of the amount of remuneration for members
Dewan Komisaris dan Direksi kepada Dewan Komisaris dengan of the Board of Commissioners and Directors to the Board of
mempertimbangkan rekomendasi dari Komite Remunerasi Commissioners by considering recommendations from the
dan Nominasi. Remuneration and Nomination Committee.
Prosedur Nominasi Dewan Komisaris dan Direksi Nomination Procedure for Board of Commissioners
and Directors
Calon anggota Dewan Komisaris dan Direksi dapat berasal dari The Board of Commissioners and Directors candidates may
pemegang saham pengendali atau dari sumber-sumber lainnya. come from controlling shareholders or from other sources.
Bank telah menetapkan sejumlah kriteria bagi anggota Dewan The Bank has established a number of criteria for members of
Komisaris dan Direksi sesuai dengan ketentuan yang berlaku. the Board of Commissioners and Directors in accordance with
applicable regulations.
Setiap calon yang dinominasikan akan dikaji oleh Komite Remunerasi Each nominated candidate will be reviewed by the Remuneration
dan Nominasi untuk disampaikan kepada Dewan Komisaris lalu and Nomination Committee to be submitted to the Board
diusulkan kepada Pemegang Saham. Penetapan calon yang of Commissioners and then proposed to Shareholders. The
dinominasikan dilakukan melalui mekanisme RUPS untuk kemudian determination of the nominated candidates is carried out through
mengikuti tahapan selanjutnya, yaitu uji kepatutan dan kelayakan the GMS mechanism and then follows the next stage, namely the
yang dilakukan oleh OJK. fit and proper test carried out by the OJK.
Kebijakan Remunerasi Dewan Komisaris dan Direksi Remuneration Policy for Board of Commissioners
and Directors
Remunerasi Dewan Komisaris dan Direksi Perseroan ditetapkan The remuneration for the Company’s Board of Commissioners and
berdasarkan Keputusan RUPS setiap tahunnya. Besaran remunerasi Directors is determined based on the decision of the GMS every
serta fasilitas lain yang diberikan bagi Dewan Komisaris akan year. The amount of remuneration and other facilities provided to
ditetapkan di dalam RUPS Tahunan oleh Pemegang Saham dengan the Board of Commissioners will be determined at the Annual GMS
memperhatikan rekomendasi dari Komite Remunerasi dan Nominasi. by the Shareholders, taking into account the recommendations of
the Remuneration and Nomination Committee.
Prosedur penetapan remunerasi bagi Dewan Komisaris dan Direksi The procedure for determining the remuneration for the Board of
terdiri dari: Commissioners and Directors can be seen in the description below:
1. Pemegang Saham melakukan pembahasan pada RUPS. 1. The Shareholders conduct discussions at the GMS.
2. RUPS memberikan wewenang dan kuasa kepada Dewan 2. The GMS delegates authority to the Board of Commissioners
Komisaris untuk menetapkan besaran remunerasi. to determine the amount of remuneration.
3. Komite Remunerasi dan Nominasi melakukan kajian dan evaluasi 3. The Remuneration and Nomination Committee conducts a
untuk menentukan remunerasi bagi Dewan Komisaris. study and evaluation to determine the remuneration for the
Board of Commissioners.
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Profil Perusahaan
Company Profile
4. Komite Remunerasi dan Nominasi memberikan rekomendasi 4. The Remuneration and Nomination Committee provides
kepada Dewan Komisaris. recommendations to the Board of Commissioners.
5. Dewan Komisaris melakukan pembahasan atas usulan Komite 5. The Board of Commissioners discusses the recommendations
Remunerasi dan Nominasi untuk kemudian diusulkan melalui from the Remuneration and Nomination Committee and
surat kepada Pemegang Saham Pengendali. proposes them to the Controlling Shareholders through a letter.
6. Surat Penetapan oleh Pemegang Saham Pengendali kepada 6. The Controlling Shareholders issue a Letter of Appointment to
Dewan Komisaris. the Board of Commissioners.
7. Surat Dewan Komisaris kepada Direksi tentang Penetapan 7. The Board of Commissioners issues a letter to the Directors
Remunerasi Dewan Komisaris dan Direksi. regarding the determination of remuneration for the Board of
Commissioners and Directors.
Struktur Remunerasi Anggota Dewan Komisaris dan Remuneration Structure for Members of the Board of
Direksi Commissioners and Directors
Penerapan kebijakan remunerasi Dewan Komisaris dan Direksi The implementation of the remuneration policy for the Board of
Allo Bank mengacu pada ketentuan Peraturan OJK No. 45/ Commissioners and Board of Directors of Allo Bank refers to the
POJK.03/2015 tentang Penerapan Tata Kelola dalam Pemberian provisions of OJK Regulation No. 45/POJK.03/2015 regarding
Remunerasi bagi Bank Umum serta Surat Edaran OJK No. 40/ the Implementation of Governance in Providing Remuneration for
SEOJK.03/2016 tentang Penerapan Tata Kelola dalam Pemberian Commercial Banks and OJK Circular Letter No. 40/SEOJK.03/2016
Remunerasi Bank Umum. regarding the Implementation of Governance in Providing
Remuneration for Commercial Banks.
Berdasarkan kebijakan tersebut, Dewan Komisaris dan Direksi Based on the policy, the Board of Commissioners and Board of
menerima paket remunerasi yang terdiri dari: Directors receive a remuneration package consisting of:
1. Remunerasi yang bersifat tetap, yaitu remunerasi yang tidak 1. Fixed remuneration, which is not related to performance and
dikaitkan dengan kinerja dan risiko, antara lain honorarium risk, including honorarium and holiday allowances.
dan tunjangan hari raya.
2. Remunerasi yang bersifat variabel, yaitu Remunerasi yang 2. Variable remuneration, which is linked to performance and risk,
dikaitkan dengan kinerja dan risiko, antara lain jasa produksi including production fees or equivalent forms.
atau bentuk lainnya yang dipersamakan dengan itu.
Jumlah Diterima dalam Tahun 2023
Types of Remuneration and Other Facilities
Jenis Remunerasi dan Fasilitas Lain Dewan Komisaris Direksi
No
Types of Remuneration and Other Facilities Board of Commissioners Board of Directors
Orang Rp (Juta) Orang Rp (Juta)
People IDR (Million) People IDR (Million)
1 Remunerasi (Gaji, bonus, tunjangan rutin, tantiem, dan 3 5.356 5 16.069
fasilitas lainnya dalam bentuk non-natura)
Remuneration (Salary, bonuses, regular allowances, bonuses
and other facilities in the form of in-kind)
2 Fasilitas lain dalam bentuk natura (perumahan, transportasi,
asuransi kesehatan, dsb) yang:
Other facilities in kind (housing, transportation, health
insurance, etc.) which:
a. Dapat dimiliki Asuransi Asuransi
Can be owned Kesehatan Kesehatan
Health Insurance Health Insurance
b. Tidak Dapat dimiliki Transportasi Transportasi
Cannot be owned Transportation Transportation
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Jumlah Remunerasi Per Orang dalam Tahun 2023 Direktur Komisaris
Total Remuneration Per Person in 2023 Board of Directors Board of Commissioners
Di atas Rp2 Miliar
5 1
More than IDR 2 Billion
Di atas Rp1 Miliar s/d Rp2 Miliar
- 2
Between IDR 1 to IDR 2 billion
Di atas Rp500 juta s/d Rp1 Miliar
- -
Between IDR 500 million to IDR 1 billion
Rp500 juta ke bawah
- -
Under IDR 500 million
Uraian Rasio
Description Ratio
Gaji Pegawai tertinggi dan terendah 32.68 x
The highest and lowest Employee salaries
Gaji Direksi tertinggi dan terendah 1.94 x
The highest and lowest Directors salaries
Gaji Komisaris tertinggi dan terendah 1.50 x
The highest and lowest Commissioner salaries
Gaji Komisaris tertinggi dan Pegawai tertinggi 2.06 x
Highest Commissioner and Highest Employee Salary
Pengungkapan Hubungan Afiliasi antara Direksi, Disclosure of Affiliation Relationships between Board
Dewan Komisaris dan Pemegang Saham Utama dan/ of Directors, Board of Commissioners, and Major
atau Pengendali Shareholders and/or Controllers
Transparansi Hubungan Usaha dan Hubungan Afiliasi antara Transparency of Business Relationships and Affiliation Relationships
Dewan Komisaris, Direksi atau dengan Pemegang Saham Utama/ between the Board of Commissioners, Board of Directors, or Major
Pengendali sampai dengan Entitas Pemilik Akhir Shareholders/Controllers with Ultimate Ownership Entities
Hubungan afiliasi antara Direksi, Dewan Komisaris dan Pemegang Affiliate relationship between the Board of Directors, Board of
Saham Bank dapat dilihat dari sifat hubungan keluarga, keuangan, Commissioners and Bank Shareholders can be seen from the
kepemilikan saham dan kepengurusan di Perusahaan lain (rangkap nature of family, financial, share ownership and management
jabatan) yang menimbulkan benturan kepentingan, termasuk relationships in other companies (concurrent positions) which
diantaranya hubungan keluarga sedarah sampai dengan derajat give rise to conflicts of interest, including blood family relationships
ketiga, baik menurut garis lurus maupun garis ke samping atau up to the third degree, both in a straight line or sideways lines or
hubungan semenda; atau hubungan istimewa yang muncul sebagai cement relationships; or special relationships that arise as a result
akibat dari hubungan pihak berelasi. of related party relationships.
Hubungan afiliasi anggota Dewan Komisaris dengan sesama The affiliate relationship of members of the Board of Commissioners
anggota Dewan Komisaris dan/atau anggota Direksi serta Pemegang with fellow members of the Board of Commissioners and/or
Saham Utama/Pengendali sampai dengan entitas pemilik akhir members of the Board of Directors as well as Major/Controlling
dapat dilihat sebagai berikut: Shareholders up to the final owner entity can be seen as follows:
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Hubungan Afiliasi
Affiliate Relations
Dewan Komisaris Direksi Pemegang Saham Utama/Pengendali
Board of Commissioners Board of Directors Major/Controlling Shareholder
Dewan Komisaris
Board of Commissioners
Aviliani
Rosmaya
Ali Gunawan
Direksi
Board of Directors
Indra Utoyo
Ari Yanuanto Asah
Arief Tendeas
Ganda Raharja Rusli
Sajal Bhatnagar
= terdapat adanya hubungan | has relationship
= = tidak terdapat adanya hubungan | has no relationship
Pengungkapan Rangkap Jabatan Dewan Komisaris Disclosure of Concurrent Positions of Board of
dan Direksi Commissioners and Board of Directors
Rangkap Jabatan Dewan Komisaris Concurrent Positions of Board of Commissioners
Ketentuan rangkap jabatan anggota Dewan Komisaris diatur dalam Provisions for concurrent positions for members of the Board of
BOC Charter tentang Rangkap Anggota Dewan Komisaris dengan Commissioners are regulated in the BOC Charter concerning
rincian sebagai berikut: Concurrent Members of the Board of Commissioners with the
following details:
1. Komisaris dilarang melakukan rangkap jabatan sebagai 1. Commissioners are prohibited from holding concurrent positions
anggota Direksi, anggota Dewan Komisaris dan/atau Pejabat as members of the Board of Directors, members of the Board
Eksekutif dalam: of Commissioners and/or Executive Officers in:
a. Lembaga keuangan atau perusahaan keuangan, baik Bank a. Financial institutions or financial companies, whether banks
maupun bukan Bank, atau or non-banks, or
b. Lebih dari 1 (satu) lembaga bukan keuangan atau perusahaan b. More than 1 (one) non-financial institution or non-financial
bukan keuangan, baik yang berkedudukan di dalam maupun company, either domiciled at home or abroad.
di luar negeri.
2. Komisaris hanya dapat merangkap jabatan sebagai anggota 2. Commissioners can only hold concurrent positions as
Direksi, anggota Dewan Komisaris dan Pejabat Eksekutif pada: members of the Board of Directors, members of the Board of
Commissioners and Executive Officers when:
a. 1 (satu) lembaga/perusahaan bukan lembaga keuangan, atau a. 1 (one) non-financial institution/company, or
b. 1 (satu) perusahaan anak bukan Bank yang dikendalikan b. 1 (one) non-Bank subsidiary company controlled by the Bank
oleh Bank
3. Tidak termasuk rangkap jabatan, apabila: 3. Not including concurrent positions, if:
a. Komisaris Non Independen menjalankan tugas fungsional a. Non-Independent Commissioners carry out the functional
dari pemegang saham Bank yang berbentuk badan hukum duties of Bank shareholders in the form of legal entities in
pada kelompok usahanya; dan/atau their business groups; and/or
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b. Komisaris menduduki jabatan pada organisasi atau lembaga b. Commissioners hold positions in non-profit organizations
nirlaba, sepanjang yang bersangkutan tidak mengabaikan or institutions, as long as the person concerned does not
pelaksanaan tugas dan tanggung jawab sebagai anggota neglect the implementation of their duties and responsibilities
Dewan Komisaris Bank. as a member of the Bank’s Board of Commissioners.
Nama Rangkap Jabatan di Perseroan/Instansi Lain
Name Concurrent Positions in Other Companies/Agencies
Aviliani Komisaris Independen PT Aplikanusa Lintasarta
Independent Commissioner of PT Aplikanusa Lintasarta
Rosmaya Anggota Dewan Pengawas Independen ASPI.
Member of ASPI Independent Supervisory Board.
Ali Gunawan Group Financial Director, Direktur Mega Corpora dan Direktur/Komisaris di beberapa perusahaan
dalam kelompok usaha CT Corpora.
Group Financial Director, Director of Mega Corpora and Director/Commissioner in several companies
within the CT Corpora business group.
Di tahun 2023, terdapat 3 (tiga) anggota Dewan Komisaris In 2023, there were 3 (three) members of the Board of
yang memiliki rangkap jabatan, namun hal ini tidak melanggar Commissioners who held concurrent positions, but this does not
ketentuan yang dimuat dalam Anggaran Dasar Bank dan peraturan violate the provisions contained in the Bank’s Articles of Association
yang berlaku. and applicable regulations.
Rangkap Jabatan Direksi Concurrent Positions of the Board of Directors
Ketentuan rangkap jabatan anggota Direksi diatur dalam BOD Provisions for concurrent positions for members of the Board of
Charter tentang Rangkap Jabatan Direksi, mencakup: Directors are regulated in the BOD Charter concerning Multiple
Positions for Directors, including:
1. Anggota Direksi dilarang merangkap jabatan sebagai anggota 1. Members of the Board of Directors are prohibited from holding
Direksi, anggota Dewan Komisaris atau Pejabat Eksekutif pada concurrent positions as members of the Board of Directors,
bank, perusahaan dan/atau lembaga lain. members of the Board of Commissioners or Executive Officers
at banks, companies and/or other institutions.
2. Tidak termasuk rangkap jabatan dalam hal Direksi yang 2. Excluding concurrent positions in the event that the Directors
bertanggung jawab terhadap pengawasan atas penyertaan who are responsible for supervising the Bank’s investment in
Bank pada perusahaan anak, menjalankan tugas fungsional subsidiary companies, carry out functional duties as members of
menjadi anggota Dewan Komisaris pada perusahaan anak the Board of Commissioners in non-bank subsidiary companies
bukan bank yang dikendalikan oleh Bank, sepanjang tidak controlled by the Bank, as long as this does not result in the
mengakibatkan yang bersangkutan mengabaikan pelaksanaan person concerned neglecting the implementation of their duties
tugas dan tanggung jawab sebagai anggota Direksi Bank. and responsibilities as member of the Bank’s Board of Directors.
Nama Rangkap Jabatan di Perseroan/Instansi Lain
Name Concurrent Positions in Other Companies/Agencies
Indra Utoyo
Ari Yanuanto Asah
Arief Tendeas
Ganda Raharja Rusli
Sajal Bhatnagar
Di tahun 2023, seluruh anggota Direksi Allo Bank tidak memiliki In 2023, all members of the Allo Bank Board of Directors did not
rangkap jabatan di Bank, perusahaan, maupun lembaga lainnya. have concurrent positions at the Bank, company or other institution.
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Pengungkapan Kepemilikan Saham Dewan Komisaris dan Direksi
Disclosure of Share Ownership of the Board of Commissioners and Directors
Saham Allo Bank Saham Perusahaan Lain >5%
Allo Bank shares Other Company Shares >5%
Nama
Name
Nilai Persen Nilai Persen
Shares Percent Shares Percent
Dewan Komisaris
Board of Commissioner
Aviliani - - Nihil -
Ali Gunawan 9.868.300 0,045 Nihil -
Rosmaya - - Nihil -
Direksi
Board of Directors
Indra Utoyo 500.000 0,00 Nihil -
Ari Yanuanto Asah - - Nihil -
Ganda Raharja Rusli 47.384 0,00 Nihil -
Sajal Bhatnagar - - Nihil -
Arief Tendeas - - Nihil -
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Organ Pendukung
Dewan Komisaris
Board of Commissioners
Supporting Organ
Dalam menjalankan fungsinya, terdapat 3 (tiga) komite yang dibentuk In carrying out its functions, there are 3 (three) committees
oleh Dewan Komisaris, yakni Komite Audit, Komite Pemantau Risiko, established by the Board of Commissioners, namely the Audit
serta Komite Remunerasi dan Nominasi guna membantu Dewan Committee, the Risk Oversight Committee, and the Remuneration
Komisaris dalam melaksanakan tugas pengawasan. and Nomination Committee to assist the Board of Commissioners
in carrying out its supervisory duties.
Komite Audit | Audit Committee
Komite Audit merupakan organ pendukung Dewan Komisaris yang The Audit Committee is a supporting organ of the Board of
bertugas untuk mendukung pelaksanaan tugas Dewan Komisaris Commissioners whose task is to support the implementation of
dalam memantau dan mengevaluasi perencanaan dan pelaksanaan the Board of Commissioners’ duties in monitoring and evaluating
audit dan kecukupan proses laporan pelaporan keuangan termasuk the planning and implementation of audits and the adequacy of the
memberikan rekomendasi penunjukan akuntan publik serta financial reporting process, including providing recommendations
melakukan pengawasan terhadap efektivitasnya. for the appointment of public accountants and supervising
their effectiveness.
Dasar Hukum Legal Basis
Pembentukan Komite Audit berpedoman dan berlandaskan kepada The formation of the Audit Committee is guided by and based
peraturan perundang- undangan yang berlaku serta best practices on applicable laws and regulations as well as best practices
yang diterapkan di lembaga perbankan di Indonesia, termasuk: implemented in banking institutions in Indonesia, including:
1. Peraturan Otoritas Jasa Keuangan (“POJK”) POJK No. 33/ 1. Financial Services Authority Regulation (“POJK”) POJK No.
POJK.04/2014 tanggal 8 Desember 2014 tentang Direksi dan 33/POJK.04/2014 dated December 8, 2014 concerning
Dewan Komisaris Emiten atau Perusahaan Publik. the Directors and Board of Commissioners of Issuers or
Public Companies.
2. POJK No. 17/POJK.03/2023 tanggal 14 September 2023 2. POJK No. 1 7/POJK.03/2023 dated September 14,
tentang Penerapan Tata Kelola bagi Bank Umum. 2023 concerning Implementation of Governance for
Commercial Banks.
3. POJK No. 13/POJK.03/2017 tanggal 27 Maret 2017 tentang 3. POJK No. 13/POJK.03/2017 dated March 27, 2017 concerning
Penggunaan Jasa Akuntan Publik dan Kantor Akuntan Publik the Use of Public Accounting Services and Public Accounting
dalam Kegiatan Jasa Keuangan. Firms in Financial Services Activities.
4. POJK No. 1/POJK.03/2019 tanggal 28 Januari 2019 tentang 4. POJK No. 1/POJK.03/2019 dated January 28, 2019
Penerapan Fungsi Audit Intern pada Bank Umum. concerning Implementation of the Internal Audit Function in
Commercial Banks.
5. SEOJK No. 36/SEOJK.03/2017 tentang Tata Cara Penggunaan 5. SEOJK No. 36/SEOJK.03/2017 concerning Procedures for
Jasa Akuntan Publik dan Kantor Akuntan Publik dalam Kegiatan Using the Services of Public Accountants and Public Accounting
Jasa Keuangan. Firms in Financial Services Activities.
6. Anggaran Dasar Bank. 6. Bank Articles of Association.
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Tujuan Pembentukan Komite Audit Purpose of Establishing the Audit Committee
Selain sebagai salah satu bentuk pemenuhan terhadap ketentuan In addition to commitment to complying with the OJK regulations,
dari OJK, pembentukan Komite Audit bertujuan untuk: the establishment of an Audit Committee aims to:
1. Membantu/mendukung efektivitas pelaksanaan tugas Dewan 1. Assist/support the effectiveness of the Board of Commissioners’
Komisaris dalam melakukan pengawasan atas pengelolaan supervisory duties over the management of the company by
perusahaan oleh Direksi. the Board of Directors.
2. Melakukan pengawasan dan evaluasi atas penerapan fungsi 2. Supervise and evaluate the implementation of internal and
audit internal dan eksternal, kecukupan pengendalian internal external audit functions, the adequacy of internal controls on
pada proses pelaporan keuangan. financial reporting processes.
3. Memberikan rekomendasi penunjukan Kantor Akuntan Publik 3. Provide recommendations for the appointment of Public
kepada Dewan Komisaris. Accountant Firm to the Board of Commissioners.
Pedoman Kerja: Piagam Komite Audit Work Guidelines: Audit Committee Charter
Komite Audit telah memiliki pedoman kerja yang ditetapkan The Audit Committee has work guidelines stipulated in the Audit
dalam Piagam Komite Audit dalam melaksanakan tugas dan Committee Charter in carrying out its duties and responsibilities in
tanggung jawabnya dalam melakukan pengawasan terhadap supervising internal control. Allo Bank’s Audit Committee Charter
pengendalian internal. Piagam Komite Audit dan Kode Etik Komite and Audit Committee Code of Ethics have been adapted to OJK
Audit Allo Bank telah disesuaikan dengan Peraturan OJK No. 55/ Regulation No. 55/POJK.04/2015 concerning the Establishment
POJK.04/2015 tentang Pembentukan dan Pedoman Pelaksanaan and Guidelines for Implementing the Work of the Audit Committee.
Kerja Komite Audit.
Masa Tugas dan Kompensasi Term of Service and Compensation
1. Masa tugas anggota Komite Audit tidak boleh lebih lama dari 1. The term of office of members of the Audit Committee may not
masa jabatan Dewan Komisaris sebagaimana diatur dalam be longer than the term of office of the Board of Commissioners
Anggaran Dasar dan dapat dipilih kembali untuk 1 (satu) as regulated in the Articles of Association and may be re-elected
periode berikutnya. for 1 (one) subsequent period.
2. Apabila anggota Dewan Komisaris yang menjadi Ketua Komite 2. If the member of the Board of Commissioners who is the Head
Audit berhenti sebelum masa tugasnya sebagai Komisaris of the Audit Committee resigns before his/her term of office as
Bank, maka Ketua Komite Audit digantikan oleh Komisaris Bank Commissioner, the Head of the Audit Committee will be
Independen lainnya. replaced by another Independent Commissioner.
3. Apabila masa tugas sebagai Dewan Komisaris berakhir, maka 3. If the term of service as a Board of Commissioners ends, the
berakhir pula masa tugasnya sebagai Anggota Komite Audit. term of duty as a Member of the Audit Committee also ends.
4. Anggota Komite Audit yang berasal dari Pihak Independen Non 4. Audit Committee members who come from Independent Non-
Komisaris diberi honorarium bulanan yang jumlahnya ditetapkan Commissioner Parties are given a monthly honorarium, the
oleh Dewan Komisaris dengan tetap mengacu pada ketentuan amount of which is determined by the Board of Commissioners
perundangan yang berlaku. while still referring to the applicable statutory provisions.
Persyaratan Keanggotaan Membership Requirements
1. Persyaratan umum: 1. General requirements:
a. Memiliki integritas, akhlak dan moral yang baik. a. Have integrity, good morals and morals.
b. Tidak memiliki kepentingan/keterkaitan pribadi yang dapat b. Have no personal interests/relationships that could give rise
menimbulkan conflict of interest terhadap Bank. to a conflict of interest towards the Bank.
2. Persyaratan Kompetensi: 2. Competency Requirements:
a. Memiliki keahlian, kemampuan, pengetahuan dan a. Have adequate skills, abilities, knowledge and experience
pengalaman yang memadai yang berhubungan dengan related to their duties and responsibilities.
tugas dan tanggung jawabnya.
b. Memiliki pengetahuan yang cukup untuk memahami b. Have sufficient knowledge to understand the business and
bisnis dan industri perbankan, proses audit, manajemen banking industry, audit processes, risk management and the
risiko dan kemampuan membaca laporan keuangan dan ability to read financial reports and reports related to the
laporan-laporan terkait pelaksanaan pengendalian internal implementation of internal control in the banking industry.
industri perbankan.
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c. Mampu bekerja sama dan memiliki kemampuan c. Able to work together and have the ability to communicate
berkomunikasi dengan baik dan efektif ser ta well and effectively and willing to provide sufficient time to
bersedia menyediakan waktu yang cukup untuk carry out their duties.
melaksanakan tugasnya.
d. Memiliki pengetahuan yang memadai tentang Anggaran d. Have adequate knowledge of the Bank’s Articles of
Dasar Bank, peraturan perundangan di bidang perbankan, Association, laws and regulations in the banking sector,
Pasar Modal dan peraturan perundangan terkait lainnya. Capital Markets and other related laws and regulations.
e. Bersedia meningkatkan kompetensi secara terus-menerus e. Be willing to continuously improve competence through
melalui pendidikan dan pelatihan. education and training.
3. Persyaratan Independensi: 3. Independence Requirements:
a. Tidak memiliki saham Bank, baik langsung maupun a. Do not own Bank shares, either directly or indirectly.
tidak langsung.
b. Dalam hal anggota Komite Audit memperoleh saham Bank b. In the event that a member of the Audit Committee acquires
baik langsung maupun tidak langsung akibat suatu peristiwa the Bank shares either directly or indirectly as a result of a
hukum, saham tersebut wajib dialihkan kepada pihak lain legal incident, the shares must be transferred to another
dalam jangka waktu paling lama 6 (enam) bulan setelah party within a period of no later than 6 (six) months after
diperolehnya saham tersebut; acquiring the shares;
c. Bukan merupakan orang dalam Kantor Akuntan Publik, c. Not a person in a Public Accounting Firm, Legal Consultant
Kantor Konsultan Hukum, Kantor Jasa Penilai Publik atau Firm, Public Appraisal Services Firm or other party providing
pihak lain yang memberi jasa asuransi, jasa non-asuransi, insurance services, non-insurance services, appraisal
jasa penilai dan/atau jasa konsultasi lain kepada Bank dalam services and/or other consulting services to the Bank within
waktu 6 (enam) bulan terakhir; the last 6 (six) months;
d. Tidak memiliki hubungan afiliasi dengan Bank, Komisaris, d. Have no affiliation with the Bank, Commissioners, Directors
Direksi dan pemegang saham utama Bank. and main shareholders of the Bank.
e. Tidak memiliki hubungan usaha baik langsung maupun e. Have no direct or indirect business relationship with
tidak langsung dengan Bank. the Bank.
f. Mantan anggota Direksi atau Pejabat Eksekutif Bank atau f. Former members of the Board of Directors or Executive
pihak yang mempunyai hubungan dengan Bank yang dapat Officers of the Bank or parties who have a relationship
mempengaruhi kemampuan yang bersangkutan untuk with the Bank that can influence the person’s ability to act
bertindak independen dilarang menjadi Pihak Independen independently are prohibited from becoming Independent
dalam anggota komite pada Bank yang bersangkutan Parties as members of the committee at the Bank concerned
sebelum menjalani masa tunggu paling singkat 6 (enam) before undergoing a waiting period of at least 6 (six) months.
bulan.
g. Masa tunggu paling singkat 6 (enam) bulan tidak berlaku g. The shortest waiting period of 6 (six) months does not apply
bagi mantan anggota Direksi yang membawahkan fungsi to former members of the Board of Directors who are in
pengawasan atau Pejabat Eksekutif yang melakukan fungsi charge of supervisory functions or Executive Officers who
pengawasan pada Bank. carry out supervisory functions at the Bank.
4. Kerahasiaan: 4. Confidentiality:
a. Anggota Komite Audit wajib menjaga kerahasiaan atas a. Audit Committee members are required to maintain
seluruh dokumen dan/atau informasi Bank serta segala the confidentiality of all Bank documents and/or
sesuatu yang berhubungan dengan Bank dan pelaksanaan information as well as everything related to the Bank
tugas Komite. Adapun pengklasifikasian kerahasiaan and the implementation of the Committee’s duties. The
dokumen dan/atau informasi Bank tersebut mengacu pada classification of confidentiality of Bank documents and/
ketentuan internal dan peraturan perundang- undangan or information refers to internal provisions and applicable
yang berlaku. laws and regulations.
b. Kewajiban untuk merahasiakan berlaku pula apabila masa b. The obligation to keep confidential also applies if the term
jabatan sebagai anggota Komite Audit maupun masa of office as a member of the Audit Committee or term of
jabatan sebagai anggota Dewan Komisaris di Bank berakhir. office as a member of the Board of Commissioners at the
Bank ends.
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Komposisi Anggota Komite Audit Composition of Audit Committee Members
Ketentuan keanggotaan Komite Audit Bank ditetapkan The terms of membership of the Bank Audit Committee are
sebagai berikut: determined as follows:
1. Komite Audit sekurang-kurangnya terdiri dari 3 (tiga) orang 1. The Audit Committee consists of at least 3 (three) members
yang berasal dari Komisaris Independen dan Pihak Independen. from Independent Commissioners and Independent Parties.
2. Komposisi keanggotaan Komite Audit paling kurang 1 (satu) 2. The composition of the Audit Committee membership is at least
orang Komisaris Independen sebagai Ketua merangkap 1 (one) Independent Commissioner as Chair and member, 1
anggota, 1 (satu) orang Pihak Independen Non Komisaris yang (one) Independent Non-Commissioner who has expertise in the
memiliki keahlian di bidang keuangan atau akuntansi, dan 1 field of finance or accounting, and 1 (one) Independent Non-
(satu) orang Pihak Independen Non Komisaris yang memiliki Commissioner who has expertise in the field of law or banking.
keahlian di bidang hukum atau perbankan.
3. Keahlian Anggota Komite Audit yang berasal dari Pihak 3. The expertise of Audit Committee Members who come from
Independen dibuktikan paling sedikit dengan kepemilikan Independent Parties is proven at least by having a competency
sertifikat kompetensi yang mendukung pelaksanaan fungsi certificate that supports the implementation of the Committee’s
dan tanggung jawab Komite. functions and responsibilities.
4. Anggota Direksi Bank maupun Bank lain dilarang menjadi 4. Members of the Board of Directors of Banks or other Banks are
anggota Komite Audit. prohibited from becoming members of the Audit Committee.
5. Komisaris Independen dan Pihak Independen yang menjadi 5. Independent Commissioners and Independent Parties who are
anggota Komite Audit paling sedikit berjumlah 51% (lima puluh members of the Audit Committee constitute at least 51% (fifty
satu persen) dari jumlah anggota Komite Audit. one percent) of the total members of the Audit Committee.
6. Ketua Komite Audit hanya dapat merangkap jabatan sebagai 6. The Head of the Audit Committee can only hold the same
ketua Komite paling banyak pada 1 (satu) Komite lainnya. position as a Head of Committee for a maximum of 1 (one)
other Committee.
7. Dalam melaksanakan tugas sehari-hari Komite dapat dibantu 7. In carrying out the daily duties of the Committee, the
oleh staf dan atau Sekretaris Komite yang ditunjuk berdasarkan Committee can be assisted by staff and/or the Committee
keputusan rapat Komite Audit. Secretary appointed based on the decision of the Audit
Committee meeting.
Per 31 Desember 2023, komposisi Komite Audit berjumlah 3 As of December 31, 2023, the composition of the Audit Committee
(tiga) orang yang terdiri dari 1 (satu) orang Ketua yang berasal consisted of 3 (three) people consisting of 1 (one) Chairman who
dari Komisaris Independen Bank dan 2 (dua) orang anggota yang served as an Independent Commissioner of the Bank and 2 (two)
berasal dari pihak independen. Adapun komposisi anggota Komite members who came from independent parties. The composition
Audit Bank pada tahun 2023 adalah sebagai berikut: of the Bank’s Audit Committee members in 2023 is as follows:
Susunan Komite Audit per 31 Desember 2023
Composition of the Audit Committee as of December 31, 2023
Nama Jabatan Dasar Pengangkatan Masa Jabatan Periode Jabatan
Name Position Basis of Appointment Term of Office Period
Aviliani Ketua Surat Keputusan No. SK: 081/DIRAB/22 tanggal Mengikuti masa jabatan sebagai Dewan
Chairwoman 27 September 2022 tentang Penetapan Struktur Komisaris
Keanggotaan Komite Audit. Following the term of office as the Board of
Decision Letter No. SK: 081/DIRAB/22 dated Commissioners
September 27, 2022 concerning Determination
of the Audit Committee Membership Structure.
Siswandi Pujo Anggota Surat Keputusan No. SK: 081/DIRAB/22 tanggal 2 tahun 26 September 2022
Sasongko Member 27 September 2022 tentang Penetapan Struktur 2 years s/d 25 September
Keanggotaan Komite Audit. 2024
Decision Letter No. SK: 081/DIRAB/22 dated September 26, 2022
September 27, 2022 concerning Determination to September 25,
of the Audit Committee Membership Structure. 2024
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Nama Jabatan Dasar Pengangkatan Masa Jabatan Periode Jabatan
Name Position Basis of Appointment Term of Office Period
Aulia Usmanto Anggota Surat Keputusan No. SK: 081/DIRAB/22 tanggal 2 tahun 31 Agustus 2022 s/d 1
Member 27 September 2022 tentang Penetapan Struktur 2 years September 2024
Keanggotaan Komite Audit. August 31, 2022 to
Decision Letter No. SK: 081/DIRAB/22 dated September 1, 2024
September 27, 2022 concerning Determination
of the Audit Committee Membership Structure.
Aviliani
Ketua Komite Audit/Komisaris Utama Independen
Chairwoman of the Audit Committee/Independent President Commissioner
Profil Aviliani selaku Ketua Komite Audit/Komisaris Utama Independen Aviliani’s profile as Chair of the Audit Committee/Independent Main
dapat dilihat pada bagian Profil Dewan Komisaris dalam Bab Profil Commissioner can be seen in the Profile of the Board of Commissioners
Perusahaan Laporan Tahunan ini. section in the Company Profile Chapter of this Annual Report.
Kewarganegaraan Indonesia
Citizenship Indonesia
Usia 56 tahun
Age 56 years old
Kelahiran Madiun, 24 April 1967
Place of Birth Madiun, April 24, 1967
Domisili Pamulang, Tangerang Selatan, Banten
Domicile Pamulang, South Tangerang, Banten
Siswandi Pujo Sasongko
Anggota Komite Audit
Audit Committee Member
Riwayat Pendidikan S1 Akuntansi
Educational background Bachelor’s Degree in Accounting
Riwayat Pekerjaan • Fraud Banking Investigation Bank Mega, 2012 - 2022
Employment History • Audit Bank Mega, 1992 - 2012
• Staf Akuntansi Bank Karman, 1991 – 1992
• Fraud Banking Investigation at Bank Mega, 2012 - 2022
• Audit at Bank Mega, 1992 - 2012
• Accounting Staff at Bank Karman, 1991 - 1992
Pendidikan dan/atau Sertifikasi Profesi yang • Digitalization of Risk Management, 2022
Berlaku • Sertifikasi Management Level-3, 2016
Applicable Education and/or Professional • Risk Management Implementation & Risk Based Audit, 2004
Certifications
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Profil Perusahaan
Company Profile
Kewarganegaraan Indonesia
Citizenship Indonesia
Usia 48 tahun
Age 48 years old
Kelahiran Jakarta, 4 Juli 1976
Place of Birth Jakarta, July 4, 1976
Domisili Matraman, Jakarta Timur, DKI Jakarta
Domicile Matraman, East Jakarta, DKI Jakarta
Aulia Usmanto
Anggota Komite Audit
Audit Committee Member
Riwayat Pendidikan S1 Teknik Industri
Educational background Bachelor’s Degree in Industrial Engineering
Riwayat Pekerjaan • ABN Amro Bank 1999-2007
Employment History • BII 2007 - 2009
• Bank Bumi Putra 2009 - 2011
• UOB Indonesia, 2011 - 2014
• Standard Chartered, 2014 - 2015
• HSBC, 2015 - 2019
Pendidikan dan/atau Sertifikasi Profesi yang • Digitalization of Risk Management, 2022
Berlaku • Sertifikasi Management Level-3, 2016.
Applicable Education and/or Professional
Certifications • Digitalization of Risk Management, 2022
• Management Level-3 Certification, 2016
Tugas dan Tanggung Jawab Komite Audit Duties and Responsibilities of the Audit Committee
Dalam menjalankan fungsinya, Komite harus bertindak secara In carrying out its functions, the Committee must act independently
independen dalam melaksanakan tugas dan tanggung jawab in carrying out its duties and responsibilities, including the following:
antara lain sebagai berikut:
1. Memastikan kecukupan dan integritas pengendalian internal 1. Ensure the adequacy and integrity of internal controls and
dan sistem informasi manajemen terkait; related management information systems;
2. Melakukan penelaahan dan memastikan kesesuaian dengan 2. Review and ensure compliance with financial accounting
standar akuntansi keuangan atas informasi keuangan yang standards for financial information that will be released by
akan dikeluarkan Bank kepada publik dan/atau pihak otoritas the Bank to the public and/or authorities, including financial
antara lain laporan keuangan, proyeksi, dan laporan lainnya reports, projections and other reports related to the Bank’s
terkait dengan informasi keuangan Bank; financial information;
3. Melakukan penelaahan atas ketaatan terhadap peraturan 3. Review compliance with laws and regulations relating to
perundang-undangan yang berhubungan dengan Bank activities;
kegiatan Bank;
4. Memberikan pendapat independen dalam hal terjadi perbedaan 4. Provide independent opinions in the event of differences
pendapat antara manajemen dan Auditor Eksternal atas jasa of opinion between management and the External Auditor
yang diberikannya; regarding the services provided;
5. Memberikan rekomendasi kepada Dewan Komisaris mengenai 5. Provide recommendations to the Board of Commissioners
penunjukan Auditor Eksternal yang didasarkan pada regarding the appointment of an External Auditor based
independensi, ruang lingkup penugasan, dan imbalan jasa; on independence, scope of assignment and compensation
for services;
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6. Melakukan penelaahan atas pelaksanaan tugas pemeriksaan 6. Review the implementation of audit duties by the Internal
oleh Satuan Kerja Audit Internal dan mengawasi pelaksanaan Audit Work Unit and supervise the implementation of follow-
tindak lanjut oleh Direksi atas temuan Satuan Kerja Audit Internal; up actions by the Board of Directors regarding the findings of
the Internal Audit Work Unit;
7. Melakukan pemantauan dan evaluasi terhadap pelaksanaan 7. Monitor and evaluate the implementation of follow-up actions
tindak lanjut oleh Direksi atas hasil temuan Auditor Eksternal by the Board of Directors regarding the findings of the External
dan hasil pemeriksaan OJK/BI; Auditor and the results of OJK/BI audits;
8. Menelaah pengaduan yang berkaitan dengan proses akuntansi 8. Review complaints related to the Bank’s accounting and
dan pelaporan keuangan Bank; financial reporting processes;
9. Menelaah dan memberikan saran kepada Dewan Komisaris 9. Review and provide advice to the Board of Commissioners
terkait dengan adanya potensi benturan kepentingan Bank; regarding potential conflicts of interest of the Bank;
10. Memberikan rekomendasi kepada Dewan Komisaris mengenai 10. 1Provide recommendations to the Board of Commissioners
pengangkatan dan pemberhentian Kepala Satuan Kerja Audit regarding the appointment and dismissal of the Head of the
Internal dan memastikan bahwa laporan pengangkatan dan Internal Audit Work Unit and ensure that the report on the
pemberhentian Kepala Satuan Kerja Audit Internal yang appointment and dismissal of the Head of the Internal Audit
ditandatangani ditandatangani oleh Direktur Utama dan Work Unit signed by the President Director and President
Komisaris Utama disampaikan kepada OJK paling lambat Commissioner is submitted to the OJK no later than 10 (ten)
10 (sepuluh) hari kerja setelah tanggal pengangkatan atau working days after the date appointment or dismissal of the
pemberhentian Kepala Satuan Kerja Audit Internal; Head of the Internal Audit Work Unit;
11. Dalam pelaksanaan fungsi audit internal, Komite Audit 11. In implementing the internal audit function, the Audit Committee
bertanggung jawab: is responsible for:
a. memantau dan mengkaji efektivitas pelaksanaan a. monitoring and reviewing the effectiveness of internal
audit internal; audit implementation;
b. mengevaluasi kinerja Satuan Kerja Audit Internal; b. evaluating the performance of the Internal Audit Work Unit;
c. memastikan Satuan Kerja Audit Internal melakukan c. ensuring that the Internal Audit Work Unit communicates
komunikasi dengan Direksi, Dewan Komisaris, auditor with the Board of Directors, Board of Commissioners,
eksternal dan Otoritas Jasa Keuangan; external auditors and the Financial Services Authority;
d. memastikan Satuan Kerja Audit Internal bekerja d. e n s u r i n g t h at t h e I n t e r n a l Aud i t Wo r k U n i t
secara independen; works independently;
e. memberikan rekomendasi kepada Dewan Komisaris terkait e. providing recommendations to the Board of Commissioners
penyusunan rencana audit, ruang lingkup dan anggaran regarding the preparation of the audit plan, scope and
Satuan Kerja Audit Internal; budget of the Internal Audit Work Unit;
f. meninjau laporan audit dan memastikan Direksi mengambil f. reviewing audit reports and ensuring that the Board of
tindakan perbaikan yang diperlukan secara cepat untuk Directors takes necessary corrective action quickly to
mengatasi kelemahan pengendalian, fraud, masalah address control weaknesses, fraud, compliance issues with
kepatuhan terhadap kebijakan, undang-undang, dan policies, laws and regulations, or other problems identified
peraturan, atau masalah lain yang diidentifikasi dan and reported by the Internal Audit Work Unit;
dilaporkan oleh Satuan Kerja Audit Internal;
g. memberikan rekomendasi kepada Dewan Komisaris terkait g. providing recommendations to the Board of Commissioners
pemberian remunerasi tahunan Satuan Kerja Audit Internal regarding the provision of annual remuneration for the
secara keseluruhan serta penghargaan kinerja; dan Internal Audit Work Unit as a whole as well as performance
awards; And
h. memastikan Satuan Kerja Audit Internal menjunjung tinggi h. ensuring that the Internal Audit Work Unit upholds integrity
integritas dalam pelaksanaan tugas. in carrying out its duties.
12. Komite Audit wajib memastikan bahwa laporan khusus 12. The Audit Committee is obliged to ensure that a special report
mengenai setiap temuan audit internal yang diperkirakan dapat regarding any internal audit findings that are expected to
membahayakan kelangsungan usaha Bank yang ditandatangani compromise the Bank’s business continuity, signed by the
oleh Direktur Utama dan Komisaris Independen yang menjadi President Director and Independent Commissioner who is the
Ketua Komite Audit disampaikan kepada OJK paling lambat 3 Chair of the Audit Committee, is submitted to the OJK no later
(tiga) hari kerja setelah ditemukan. than 3 (three) working days after the discovery.
13. Komite Audit wajib memastikan bahwa laporan pelaksanaan 13. The Audit Committee is obliged to ensure that the implementation
dan pokok-pokok hasil audit internal disampaikan kepada OJK report and main points of internal audit results are submitted
secara semesteran paling lambat: to the OJK on a semi-annual basis no later than:
a. tanggal 31 Juli tahun berjalan untuk semester kesatu; a. July 31 of the current year for the first semester;
b. tanggal 31 Januari tahun berikutnya untuk semester kedua. b. January 31 of the following year for the second semester.
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14. Memberikan rekomendasi kepada Dewan Komisaris mengenai 14. Provide recommendations to the Board of Commissioners
penunjukan pengendali mutu independen dari pihak eksternal regarding the appointment of an independent quality controller
untuk melakukan kaji ulang terhadap kinerja Satuan Kerja Audit from an external party to review the performance of the Internal
Internal. Komite Audit wajib memastikan bahwa laporan hasil kaji Audit Work Unit. The Audit Committee is obliged to ensure that
ulang pihak eksternal yang independen yang ditandatangani the independent external party review report signed by the
oleh Direktur Utama dan Komisaris Utama disampaikan President Director and President Commissioner is submitted
kepada OJK paling lambat 2 (dua) bulan setelah periode to the OJK no later than 2 (two) months after the review
pengkajian berakhir; period ends;
15. Melakukan pertemuan secara berkala dengan unit-unit 15. Hold regular meetings with related work units to discuss matters
kerja terkait guna membahas hal-hal yang berada dalam within the scope of their supervision;
lingkup pengawasannya;
16. Menyusun Piagam Kerja Komite Audit dan melakukan reviu 16. Develop an Audit Committee Work Charter and conduct a
sesuai kebutuhan paling kurang 2 (dua) tahun sekali; review as needed at least once every 2 (two) years;
17. Melaporkan hasil pemantauan dan penelaahan secara berkala, 17. Report the results of monitoring and reviews periodically, as
serta memberi masukan atas hal-hal yang perlu menjadi well as provide input on matters that need the attention of the
perhatian Dewan Komisaris; Board of Commissioners;
18. Ketua Komite Audit bertugas dan bertanggung jawab untuk 18. The Head of the Audit Committee is tasked with and responsible
melakukan koordinasi atas seluruh kegiatan Komite untuk for coordinating all Committee activities to fulfill the Committee’s
memenuhi tujuan Komite sesuai dengan pembentukannya; objectives in accordance with its formation;
19. Ketua dan anggota Komite Audit bertanggung jawab untuk 19. The Head and members of the Audit Committee are responsible
hal-hal sebagai berikut: for the following matters:
a. Menentukan rencana kerja tahunan. a. Determining the annual work plan.
b. Menentukan jadwal rapat tahunan. b. Determining the annual meeting schedule.
c. Membuat laporan berkala mengenai kegiatan Komite serta c. Making periodic reports regarding Committee activities and
hal-hal yang dirasakan perlu untuk menjadi perhatian matters deemed necessary for the attention of the Board
Dewan Komisaris. of Commissioners.
d. Menunjuk anggota Komite Audit non Dewan Komisaris d. Appointing non-Board of Commissioners Audit Committee
atau menunjuk pihak ketiga lainnya sebagai sekretaris members or appoint other third parties as Committee
Komite untuk mencatat Rapat Komite dan membuat Risalah secretaries to record Committee Meetings and prepare
Rapat Komite. Minutes of Committee Meetings.
e. Menghadiri rapat. e. Attending meetings.
f. Berperan aktif dan memberikan kontribusinya dalam setiap f. Playing an active role and contribute to every Committee
kegiatan Rapat Komite. Meeting activity.
Independensi Komite Audit Independence of the Audit Committee
Setiap anggota Komite Audit diwajibkan memberikan pernyataan Each member of the Audit Committee is required to provide an
independensi yang diperbarui setiap tahun. Pernyataan independensi updated statement of independence every year. The statement of
Komite Audit disusun sesuai POJK No. 55/POJK.04/2015 tentang independence of the Audit Committee is prepared in accordance
Pembentukan dan Pedoman Pelaksanaan Kerja Komite Audit Pasal with POJK No. 55/POJK.04/2015 concerning the Establishment
7, terkait persyaratan Keanggotaan dan Masa tugas Komite Audit. and Guidelines for the Work Implementation of Audit Committee
in Article 7, regarding the requirements for membership and the
term of office of the Audit Committee.
Aspek Independensi
Aviliani Siswandi Pujo Sasongko Aulia Usmanto
Independence Aspect
Tidak memiliki hubungan afiliasi dengan Pemegang Saham, Dewan
Komisaris, serta Direksi.
Has no affiliation with the Shareholders, the Board of Commissioners,
and the Board of Directors.
Tidak memiliki hubungan usaha secara langsung dan tidak langsung
dengan perusahaan.
Has no direct or indirect business relationship with the Company.
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Aspek Independensi
Aviliani Siswandi Pujo Sasongko Aulia Usmanto
Independence Aspect
Tidak memiliki hubungan kepengurusan dengan perusahaan.
Has no management relationship with the Company
Tidak memiliki saham langsung maupun tidak langsung di perusahaan.
Does not own direct or indirect shares in the Company.
= ada | = tidak ada
= has relationship | = has no relationship
Rapat Komite Audit Audit Committee Meeting
Komite Audit dapat melaksanakan rapat sekurang-kurangnya The Audit Committee can hold meetings at least 1 (one) time in
sebanyak 1 (satu) kali dalam 1 (satu) bulan. Rapat Komite Audit 1 (one) months. Audit Committee meetings can also be attended
juga dapat dihadiri oleh anggota Dewan Komisaris, Direksi, atau by members of the Board of Commissioners, Directors or External
Auditor Eksternal Bank apabila diperlukan. Auditors of the Bank if necessary.
Sepanjang tahun 2023, Komite Audit telah menyelenggarakan rapat Throughout 2023, the Audit Committee has held 10 (ten) meetings
sebanyak 10 (sepuluh)kali dengan frekuensi kehadiran dan rincian with the frequency of attendance and details of the discussion
agenda pembahasan yang disajikan sebagai berikut: agenda presented as follows:
Nama Jabatan Jumlah Kehadiran Rapat
Name Position Number of Meeting
Aviliani Ketua Komite Audit
10
Head of Audit Committee
Siswandi Pujo S Anggota Komite Audit
10
Member of Audit Committee
Aulia Usmanto Anggota Komite Audit
10
Member of Audit Committee
Tanggal Pelaksanaan Agenda Rapat
No
Date Meeting Agenda
1 01 Maret 2023 1. Pemenuhan Struktur Organisasi dan MPP
March 1, 2023 2. Pemenuhan Training dan Peningkatan Kompetensi
3. User Access untuk keperluan Audit
4. Aktivitas Audit Q1 - 2023 (LHPK dan Allo App)
5. Monitoring Tindak Lanjut hasil temuan Audit Plan 2022 dan OJK Audit 2022
6. Audit Tools
7. Whistleblowing System Update
1. Fulfillment of Organizational Structure and MPP
2. Fulfillment of Training and Competency Improvement
3. User Access for Audit purposes
4. Audit Activities Q1 - 2023 (LHPK and Allo App)
5. Follow-up monitoring of the findings of the 2022 Audit Plan and 2022 OJK Audit
6. Audit Tools
7. Whistleblowing System Update
2 15 Maret 2023 Usulan Pergantian Kantor Akuntan Publik untuk Audit Laporan Keuangan Bank Tahun Buku 2023
March 15, 2023 Proposed Change of Public Accounting Firm for Audit of Bank Financial Reports for the 2023 Fiscal Year
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Tanggal Pelaksanaan Agenda Rapat
No
Date Meeting Agenda
3 08 Mei 2023 Pemaparan Laporan Keuangan Bank per periode Triwulan I Tahun 2023
May 8, 2023 Presentation of Bank Financial Reports for the first quarter of 2023
4 21 Juni 2023 Permohonan rekomendasi Jasa Audit oleh Kantor Akuntan Publik untuk melakukan kaji ulang terhadap penerapan
June 21, 2023 fungsi SKAI (TI dan Umum)
Request for recommendations for Audit Services by the Public Accounting Firm to conduct a review of the
implementation of the SKAI function (IT and General)
5 26 Juni 2023 1. Pemenuhan Struktur Organisasi dan MPP IAFM
June 26, 2023 2. Follow Up dan Monitoring Tindak Lanjut Audit Semester I - 2023
3. Update Proses Audit Periode berjalan
1. Fulfillment of the IAFM Organizational Structure and MPP
2. Follow Up and Monitoring Audit Follow-up Semester I - 2023
3. Update the Audit Process for the current period
6 20 September 2023 Pembahasan Proposal KAP Amir Abadi Jusuf, Aryanto, Mawar & Rekan.
September 20, 2023 Pemberian Rekomendasi AP dan KAP untuk Audit Laporan Keuangan Bank yang berakhir tanggal 31 Desember
2023
Discussion of KAP Proposal Amir Abadi Jusuf, Aryanto, Mawar & Partners.
Providing AP and KAP Recommendations for Audit of Bank Financial Reports ending December 31, 2023
7 25 September 2023 1. Pemenuhan Struktur Organisasi dan MPP
September 25, 2023 2. Aktivitas Audit selama Q1/2023 - Q3/2023
3. Laporan Fraud selama Q1/2023 - Q3/2023
4. Laporan Semester I - 2023
5. Implementasi Penerapan Strategi Anti Fraud
6. Update Proses Audit Periode berjalan dan yang akan datang
1. Fulfillment of Organizational Structure and MPP
2. Audit activities during Q1/2023 - Q3/2023
3. Fraud Report during Q1/2023 - Q3/2023
4. Semester I Report - 2023
5. Implementation of the Anti-Fraud Strategy
6. Update the Audit Process for the current and future periods
8 16 Oktober 2023 Diskusi dengan Tim KAP dan AP untuk Audit Laporan Keuangan Bank yang berakhir tanggal 31 Desember 2023
October 16, 2023 Discussion with KAP and AP Teams for Audit of Bank Financial Reports ending December 31, 2023
9 22 November 2023 Penelaahan Rencana Aksi Keuangan Berkelanjutan tahun 2024
November 22, 2023 Review of the 2024 Sustainable Finance Action Plan
10 13 Desember 2023 Penelaahan Program APU PPT & PPPSPM di Allo Bank
December 13, 2023 Review of the AML-CTF & CPF Program at Allo Bank
Peningkatan Kompetensi Komite Audit Competency Development of Audit Committee
Allo Bank memfasilitasi seluruh Insan Bank di seluruh level Allo Bank facilitates all Bank Personnel at all levels to carry out
untuk melaksanakan program pengembangan kompetensi guna competency development programs to create superior and
menciptakan SDM yang unggul dan berdaya saing. Informasi competitive human resources. Information regarding increasing
mengenai peningkatan kompetensi Komite Audit sepanjang tahun the competency of the Audit Committee throughout 2023 can
2023 dapat dilihat pada Bab Profil Perusahaan dalam Laporan be seen in the Company Profile Chapter in this Annual Report.
Tahunan ini.
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Laporan Pelaksanaan Tugas Komite Audit Audit Committee Task Implementation Report
Sepanjang tahun 2023, Komite Audit telah melaksanakan tugasnya Throughout 2023, the Audit Committee has carried out its duties
serta menyampaikan saran/rekomendasi melalui pelaksanaan and provided suggestions/recommendations through carrying out
sejumlah kegiatan, di antaranya: a number of activities, including:
1. Penyampaian Rencana kerja Komite Audit Tahun 2023 dengan 1. Submission of the 2023 Audit Committee work plan with letter
surat No. 002/KOMISARIS/2023. No. 002/COMMISSIONER/2023.
2. Laporan Evaluasi Komite Audit terhadap Pelaksanaan Pemberian 2. Audit Committee Evaluation Report on the Implementation of
Jasa Audit atas Informasi Keuangan Historis Tahunan dengan Audit Services for Annual Historical Financial Information with
surat No. 003/KOMISARIS/2023. letter No. 003/COMMISSIONER/2023.
3. Rekomendasi Komite Audit mengenai Penunjukan Akuntan 3. Recommendation of the Audit Committee regarding the
Publik dan Kantor Akuntan Publik dengan surat No. 004/ Appointment of a Public Accountant and Public Accounting
KOMISARIS/2023. Firm with letter No. 004/COMMISSIONER/2023.
Komite Pemantau Risiko | Risk Oversight Committee
Komite Pemantau Risiko adalah komite yang dibentuk oleh dan The Risk Oversight Committee is a committee formed by and
bertanggung jawab kepada Dewan Komisaris dalam membantu responsible to the Board of Commissioners in assisting the
pelaksanaan tugas dan fungsi pengawasan Dewan Komisaris, implementation of the duties and supervisory functions of the Board
khususnya evaluasi kepatuhan antara kebijakan dan parameter of Commissioners, in particular evaluating compliance between risk
manajemen risiko dengan implementasinya. management policies and parameters and their implementation.
Dasar Hukum Legal Basis
Pembentukan Komite Pemantau Risiko berpedoman dan The formation of the Risk Oversight Committee is guided by and
berlandaskan kepada peraturan perundang-undangan yang berlaku based on applicable laws and regulations as well as best practices
serta best practices yang diterapkan di lembaga perbankan di implemented in banking institutions in Indonesia, including:
Indonesia, termasuk:
1. Peraturan Otoritas Jasa Keuangan (“POJK”) No.33/ 1. Financial Services Authority Regulation (“POJK”) No.33/
POJK.04/2014 tanggal 8 Desember 2014 tentang Direksi POJK.04/2014 dated December 8, 2014 concerning the
dan Dewan Komisaris Emiten atau Perusahaan Publik. Board of Directors and Board of Commissioners of Issuers or
Public Companies.
2. POJK No. 17/POJK.03/2023 tanggal 14 September 2023 2. POJK No. 1 7/POJK.03/2023 dated September 14,
tentang Penerapan Tata Kelola bagi Bank Umum. 2023 concerning Implementation of Governance for
Commercial Banks.
3. SEOJK No. 13/SEOJK.03/2017 tanggal 17 Maret 2017 tentang 3. SEOJK No. 13/SEOJK.03/2017 dated March 17, 2017 concerning
Penerapan Tata Kelola bagi Bank Umum Implementation of Governance for Commercial Banks
4. POJK No. 18/POJK.03/2016 tanggal 16 Maret 2016 tentang 4. POJK No. 18/POJK.03/2016 dated March 16, 2016 concerning
Penerapan Manajemen Risiko bagi Bank Umum. the Implementation of Risk Management for Commercial Banks.
5. POJK No. 38/POJK.03/2016 tanggal 14 Desember 2016 tentang 5. POJK No. 38/POJK.03/2016 dated December 14, 2016
Penerapan Manajemen Risiko dalam Penggunaan Teknologi concerning the Implementation of Risk Management in the
Informasi oleh Bank Umum. Use of Information Technology by Commercial Banks.
6. Anggaran Dasar Bank. 6. Bank Articles of Association.
Tujuan Pembentukan Komite Pemantau Risiko Purpose of Establishing a Risk Oversight Committee
Komite Pemantau Risiko dibentuk sesuai dengan ketentuan dari The Risk Oversight Committee was formed in accordance with the
Otoritas Jasa Keuangan dengan tujuan untuk membantu fungsi provisions of the Financial Services Authority with the aim of assisting
pengawasan Dewan Komisaris terkait: the supervisory function of the Board of Commissioners regarding:
1. evaluasi kepatuhan antara kebijakan dan parameter manajemen 1. evaluate compliance between risk management policies and
risiko dengan implementasinya. parameters and their implementation.
2. memberikan rekomendasi guna menjaga kualitas penerapan 2. provide recommendations to maintain the quality of risk
manajemen risiko management implementation
3. meningkatkan control environment secara keseluruhan 3. improve the overall control environment
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Pedoman Kerja: Piagam Komite Pemantau Risiko Charter of the Risk Oversight Committee
Komite Pemantau Risiko telah memiliki pedoman kerja yang The Risk Oversight Committee has work guidelines set out in the Risk
ditetapkan dalam Piagam Komite Pemantau Risiko. Piagam tersebut Oversight Committee Charter. The charter regulates the duties and
mengatur mengenai tugas dan tanggung jawab Komite, wewenang, responsibilities of the Committee, authority, membership structure,
struktur keanggotaan, persyaratan keanggotaan, mekanisme kerja, membership requirements, work mechanisms, ethics, working hours
etika, waktu kerja, dan mekanisme rapat. and meeting mechanisms.
Masa Tugas dan Kompensasi Term of Service and Compensation
1. Masa tugas anggota Komite Pemantau Risiko tidak boleh lebih 1. The term of office of members of the Risk Oversight Committee
lama dari masa jabatan Dewan Komisaris sebagaimana diatur may not be longer than the term of office of the Board of
dalam Anggaran Dasar dan dapat dipilih kembali untuk 1 (satu) Commissioners as regulated in the Articles of Association and
periode berikutnya. may be re-elected for 1 (one) subsequent period.
2. Apabila anggota Dewan Komisaris yang menjadi Ketua Komite 2. If the member of the Board of Commissioners who is the
Pemantau Risiko berhenti sebelum masa tugasnya sebagai Chair of the Risk Oversight Committee resigns before his
Komisaris Bank, maka Ketua Komite Pemantau Risiko digantikan term of office as Bank Commissioner, then the Chair of
oleh Komisaris Independen lainnya. the Risk Oversight Committee will be replaced by another
Independent Commissioner.
3. Apabila masa tugas sebagai Dewan Komisaris berakhir, 3. If the term of service as a member of the Board of Commissioners
maka berakhir pula masa tugasnya sebagai Anggota Komite ends, the term of duty as a Member of the Risk Oversight
Pemantau Risiko. Committee also ends.
4. Anggota Komite Pemantau Risiko yang berasal dari Pihak 4. Members of the Risk Oversight Committee who come
Independen Non Komisaris diberi honorarium bulanan yang from Independent Non-Commissioner Parties are given a
jumlahnya ditetapkan oleh Dewan Komisaris dengan tetap monthly honorarium whose amount is determined by the
mengacu pada ketentuan perundangan yang berlaku. Board of Commissioners while still referring to the applicable
statutory provisions.
Keanggotaan Komite Pemantau Risiko Membership of the Risk Oversight Committee
Ketentuan keanggotaan Komite Pemantau Risiko Bank ditetapkan The provisions for membership of the Bank Risk Oversight
sebagai berikut: Committee are determined as follows:
1. Komite Pemantau Risiko sekurang-kurangnya terdiri dari 3 1. The Risk Oversight Committee consists of at least 3 (three) people
(tiga) orang yang berasal dari Komisaris Independen dan from Independent Commissioners and Independent Parties.
Pihak Independen.
2. Komposisi keanggotaan Komite Pemantau Risiko paling kurang 2. The composition of the Risk Oversight Committee membership
1 (satu) orang Komisaris Independen sebagai Ketua merangkap is at least 1 (one) Independent Commissioner as Chair and
anggota, 1 (satu) orang Pihak Independen Non Komisaris yang member, 1 (one) Independent Non-Commissioner who has
memiliki keahlian di bidang keuangan, dan 1 (satu) orang Pihak expertise in the field of finance, and 1 (one) Independent Non-
Independen Non Komisaris yang memiliki keahlian di bidang Commissioner who has expertise in the field of risk management.
manajemen risiko.
3. Anggota Komite Pemantau Risiko yang berasal dari Pihak 3. Members of the Risk Oversight Committee who come from
Independen dinilai memiliki keahlian di bidang keuangan dalam Independent Parties are considered to have expertise in the
hal memenuhi kriteria: financial sector in terms of meeting the following criteria:
a. Memiliki pengetahuan di bidang ekonomi, bidang keuangan a. Have knowledge in the field of economics, finance and/
dan/atau bidang perbankan. or banking.
b. Memiliki pengalaman kerja paling sedikit 5 (lima) b. Have work experience of at least 5 (five) years in the field
tahun di bidang ekonomi, bidang keuangan, dan/atau of economics, finance, and/or banking.
bidang perbankan.
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4. Anggota Komite Pemantau Risiko yang berasal dari Pihak 4. Members of the Risk Oversight Committee who come from
Independen dinilai memiliki keahlian di bidang manajemen Independent Parties are considered to have expertise in the field
risiko dalam hal memenuhi kriteria: of risk management in terms of meeting the following criteria:
a. Wajib memiliki sertifikat manajemen risiko sebagaimana a. Must have a risk management certificate as applicable to
yang berlaku bagi Direksi the Board of Directors
b. Memiliki sertifikat kompetensi yang mendukung pelaksanaan b. Have a competency certificate that supports the
fungsi dan tanggung jawab Komite. implementation of the Committee’s functions
and responsibilities.
5. Anggota Direksi Bank maupun Bank lain dilarang menjadi 5. Members of the Board of Directors of rge Bank or other
anggota Komite Pemantau Risiko. Banks are prohibited from becoming members of the Risk
Oversight Committee.
6. Komisaris Independen dan Pihak Independen yang menjadi 6. Independent Commissioners and Independent Parties who
anggota Komite Pemantau Risiko paling sedikit berjumlah are members of the Risk Oversight Committee constitute at
51% (lima puluh satu persen) dari jumlah anggota Komite least 51% (fifty one percent) of the total members of the Risk
Pemantau Risiko. Oversight Committee.
7. Ketua Komite Pemantau Risiko hanya dapat merangkap jabatan 7. The Head of the Risk Oversight Committee can only hold the
sebagai ketua Komite paling banyak pada 1 (satu) Komite lainnya. same position as Committee Chair in a maximum of 1 (one)
other Committee.
8. Dalam melaksanakan tugas sehari-hari Komite dapat dibantu 8. In carrying out its daily duties, the Committee may be assisted
oleh staf dan atau Sekretaris Komite yang ditunjuk berdasarkan by staff and/or the Committee Secretary appointed based on
keputusan rapat Komite Pemantau Risiko. the decision of the Risk Oversight Committee meeting.
Komposisi Anggota Komite Pemantau Risiko Composition of the Risk Oversight Committee
Di tahun 2023, komposisi Komite Pemantau Risiko Allo Bank In 2023, the composition of the Allo Bank Risk Oversight Committee
mengalami perubahan yang telah ditetapkan berdasarkan Surat underwent changes which have been determined based on Decree
Keputusan No. SK: 019/DIRAB/23 tanggal 08 Maret 2023 tentang No. SK: 019/DIRAB/23 dated March 8, 2023 concerning the
Penetapan Struktur Keanggotaan Komite Pemantau Risiko dengan Determination of the Membership Structure of the Risk Oversight
rincian sebagai berikut: Committee with the following details:
Nama Jabatan Dasar Pengangkatan Masa Jabatan Periode Jabatan
Name Position Basis of Appointment Term of Office Period
Rosmaya Ketua Surat Keputusan No. SK: 019/DIRAB/23 tanggal Mengikuti masa jabatan sebagai Dewan Komisaris
Chairwoman 08 Maret 2023 tentang Penetapan Struktur Following the term of office as the Board of
Keanggotaan Komite Pemantau Risiko Commissioners
Decree No. SK: 019/DIRAB/23 dated 08 March
2023 concerning Determination of the Membership
Structure of the Risk Oversight Committee
Aulia Usmanto Anggota Surat Keputusan No. SK: 019/DIRAB/23 tanggal 2 tahun -
Member 08 Maret 2023 tentang Penetapan Struktur 2 years
Keanggotaan Komite Pemantau Risiko
Decree No. SK: 019/DIRAB/23 dated 08 March
2023 concerning Determination of the Membership
Structure of the Risk Oversight Committee
Lista Irna Anggota Surat Keputusan No. SK: 019/DIRAB/23 tanggal 2 tahun -
Member 08 Maret 2023 tentang Penetapan Struktur 2 years
Keanggotaan Komite Pemantau Risiko
Decree No. SK: 019/DIRAB/23 dated 08 March
2023 concerning Determination of the Membership
Structure of the Risk Oversight Committee
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Rosmaya
Ketua Komite Pemantau Risiko/Komisaris Independen
Chairman of the Risk Oversight Committee/Independent Commissioner
Profil Rosmaya selaku Ketua Komite Pemantau Risiko/Komisaris Rosmaya’s profile as Chair of the Risk Oversight Committee/Independent
Independen dapat dilihat pada bagian Profil Dewan Komisaris dalam Bab Commissioner can be seen in the Board of Commissioners Profile section
Profil Perusahaan Laporan Tahunan ini. in the Company Profile Chapter of this Annual Report.
Aulia Usmanto
Anggota Komite Pemantau Risiko
Member of the Risk Oversight Committee
Profil Aulia Usmanto selaku anggota Komite Pemantau Risiko dapat Aulia Usmanto’s profile as a member of the Risk Oversight Committee
dilihat pada bagian Profil Anggota Komite Audit dalam Bab Tata Kelola can be seen in the Profile of Audit Committee Members section in the
Perusahaan Laporan Tahunan ini. Corporate Governance Chapter of this Annual Report.
Kewarganegaraan Indonesia
Citizenship Indonesia
Usia 56 tahun
Age 56 years old
Kelahiran Cerenti, 15 Oktober 1967
Place of Birth Cerenti, 15 October 1967
Domisili DKI Jakarta
Domicile
Lista Irna
Anggota Komite Pemantau Risiko
Member of the Risk Oversight Committee
Riwayat Pendidikan • S2 MBA, Swiss German University (2005)
Educational background Masters of MBA, Swiss German University (2005)
Riwayat Pekerjaan • Bank Mandiri, 2016-2020
Employment History • Rabo Bank dan LPPI, 2016
• Bank Danamon, 2010-2016
Pendidikan dan/atau Sertifikasi LSPP Jenjang 7
Sertifikasi Profesi yang Berlaku LSPP Certification Level 7
Applicable Education and/or
Professional Certifications
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Tugas dan Tanggung Jawab Komite Pemantau Risiko Duties and Responsibilities of Risk Oversight
Committee
Dalam menjalankan fungsinya, Komite harus bertindak secara In carrying out its functions, the Committee must act independently
independen dalam melaksanakan tugas dan tanggung jawab in carrying out its duties and responsibilities, including the following:
antara lain sebagai berikut:
1. Melakukan pemantauan dan evaluasi atas: 1. Monitor and evaluate:
a. Kesesuaian antara kebijakan manajemen risiko dan kebijakan a. Conformity between risk management policies and the
manajemen risiko terintegrasi Bank dengan pelaksanaan Bank’s integrated risk management policies with the
kebijakan tersebut. implementation of these policies.
b. Pelaksanaan rencana kerja dan tugas Komite Manajemen b. Implementation of work plans and duties of the Risk
Risiko, Komite Manajemen Risiko Terintegrasi, Satuan Kerja Management Committee, Integrated Risk Management
Manajemen Risiko, serta Satuan Kerja Manajemen Risiko Committee, Risk Management Work Unit, and the Bank’s
Terintegrasi Bank. Integrated Risk Management Work Unit.
c. Kecukupan proses identifikasi, pengukuran, pemantauan, c. Adequacy of identification, measurement, monitoring,
pengendalian dan sistem informasi manajemen risiko. control processes and risk management information systems.
d. Kepatuhan Bank terhadap Anggaran Dasar, peraturan d. Bank compliance with the Articles of Association, regulations
Otoritas Pengawas Bank dan Pasar Modal, serta peraturan of the Bank and Capital Market Supervisory Authority, as well
perundangan lainnya yang terkait dengan manajemen risiko. as other laws and regulations related to risk management.
2. Melakukan pemantauan dan penelaahan atas: 2. Monitor and review:
a. Laporan Tingkat Kesehatan Bank berbasis risiko. a. Risk-based Bank Soundness Level Report.
b. Laporan lainnya terkait dengan pengelolaan 10 (sepuluh) b. Other reports related to the management of 10 (ten) types
jenis risiko yaitu Risiko Kredit, Risiko Pasar, Risiko Operasional, of risk, namely Credit Risk, Market Risk, Operational Risk,
Risiko Likuiditas, Risiko Hukum, Risiko Kepatuhan, Risiko Liquidity Risk, Legal Risk, Compliance Risk, Reputation
Reputasi, Risiko Stratejik, Risiko Transaksi Intra Group, dan Risk, Strategic Risk, Intra Group Transaction Risk, and
Risiko Asuransi. Insurance Risk.
c. Kebijakan umum perkreditan serta kewajiban lainnya yang c. General credit policies and other obligations required by the
diwajibkan Regulator untuk disampaikan kepada Dewan Regulator to be submitted to the Board of Commissioners
Komisaris oleh Direksi. by the Board of Directors.
3. Memberikan rekomendasi kepada Dewan Komisaris atas: 3. P r o v i d e r e c o m m e n d a t i o n s t o t h e B o a r d o f
a. Hal-hal yang dapat mendukung peningkatan efektivitas Commissioners regarding:
pelaksanaan manajemen risiko di Bank. a. Matters that can support increasing the effectiveness of
risk management implementation in the Bank.
b. Kesesuaian antara kebijakan manajemen risiko Bank dan b. Conformity between the Bank’s risk management policies
kebijakan manajemen risiko terintegrasi dengan pelaksanaan and integrated risk management policies with the
kebijakan tersebut implementation of these policies
c. untuk memastikan bahwa Bank telah mengelola risiko-risiko c. Ensure that the Bank has managed risks adequately.
secara memadai.
d. Pelaksanaan rencana kerja dan tugas Komite Manajemen d. Implementation of work plans and duties of the Risk
Risiko, Komite Manajemen Risiko Terintegrasi, Satuan Kerja Management Committee, Integrated Risk Management
Manajemen Risiko, serta Satuan Kerja Manajemen Risiko Committee, Risk Management Work Unit, and the Bank’s
Terintegrasi Bank. Integrated Risk Management Work Unit.
4. Melakukan pertemuan secara berkala dengan unit-unit 4. Hold regular meetings with related work units to discuss matters
kerja terkait guna membahas hal-hal yang berada dalam within the scope of their supervision.
lingkup pengawasannya.
5. Melaporkan hasil pemantauan dan penelaahan secara berkala, 5. Report the results of monitoring and reviews periodically, as
serta memberi masukan atas hal-hal yang perlu menjadi well as provide input on matters that need the attention of the
perhatian Dewan Komisaris. Board of Commissioners.
6. Menyusun Piagam Kerja Komite Pemantau Risiko dan melakukan 6. Develop a Risk Oversight Committee Work Charter and conduct
reviu sesuai kebutuhan paling kurang 2 (dua) tahun sekali. reviews as needed at least once every 2 (two) years.
7. Ketua Komite Pemantau Risiko bertugas dan bertanggung jawab 7. The Head of the Risk Oversight Committee is tasked and
untuk melakukan koordinasi atas seluruh kegiatan Komite untuk responsible for coordinating all Committee activities to fulfill
memenuhi tujuan Komite sesuai dengan pembentukannya. the Committee’s objectives in accordance with its formation.
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8. Ketua dan anggota Komite Pemantau Risiko bertanggung jawab 8. The head and members of the Risk Oversight Committee are
untuk hal-hal sebagai berikut: responsible for the following matters:
a. Menentukan rencana kerja tahunan. a. Determine the annual work plan.
b. Menentukan jadwal rapat tahunan. b. Determine the annual meeting schedule.
c. Membuat laporan berkala mengenai kegiatan Komite serta c. Make periodic reports regarding Committee activities and
hal-hal yang dirasakan perlu untuk menjadi perhatian matters deemed necessary for the attention of the Board
Dewan Komisaris. of Commissioners.
d. Menunjuk anggota Komite Pemantau Risiko non Dewan d. Appoint non-Board of Commissioners Risk Oversight
Komisaris atau menunjuk pihak ketiga lainnya sebagai Committee members or appoint other third parties as
sekretaris Komite untuk mencatat Rapat Komite dan Committee secretaries to record Committee Meetings and
membuat Risalah Rapat Komite. prepare Minutes of Committee Meetings.
e. Menghadiri rapat. e. Attend meetings.
f. Berperan aktif dan memberikan kontribusinya dalam setiap f. Play an active role and contribute to every Committee
kegiatan Rapat Komite. Meeting activity.
Independensi Anggota Komite Pemantau Risiko Risk Oversight Committee Independence
Seluruh anggota Komite berasal dari pihak independen dan tidak All members of the Committee come from independent parties
memiliki hubungan keuangan, kepengurusan, kepemilikan dan/ and have no financial, managerial, ownership, and/or familial
atau keluarga dengan anggota Dewan Komisaris, Direksi, dan relationships with members of the Board of Commissioners, Board
Pemegang Saham Pengendali atau hubungan dengan Bank yang of Directors, Controlling Shareholders or relationships with the Bank
dapat mempengaruhi kemampuannya untuk bertindak independen. that could affect their ability to act independently. All members of the
Seluruh anggota Komite Pemantau Risiko telah menandatangani Risk Oversight Committee have signed an independent sstatement
surat pernyataan independen yang didokumentasikan oleh Bank. letter which has been documented by the Bank.
Aspek Independensi
Rosmaya Aulia Usmanto Lista Irna
Independence Aspect
Tidak memiliki memiliki hubungan afiliasi dengan Pemegang Saham,
Dewan Komisaris, serta Direksi.
Has no affiliation with the Shareholders, the Board of Commissioners,
and the Board of Directors.
Tidak memiliki memiliki hubungan afiliasi dengan Pemegang Saham,
Dewan Komisaris, serta Direksi.
Has no affiliation with the Shareholders, the Board of Commissioners,
and the Board of Directors.
Tidak memiliki hubungan kepengurusan dengan perusahaan.
Has no management relationship with the Company.
Tidak memiliki saham langsung maupun tidak langsung
di perusahaan.
Does not own direct or indirect shares in the Company.
= ada | = tidak ada
= has relationship | = has no relationship
Rapat Komite Pemantau Risiko Risk Oversight Committee Meeting
Komite Pemantau Risiko dapat melaksanakan rapat sekurang- The Risk Oversight Committee can hold meetings at least 1 (one)
kurangnya sebanyak 1 (satu) kali dalam 1 (tiga) bulan. Rapat Komite time in 1 (one) months. Risk Oversight Committee meetings can
Pemantau Risiko dapat dihadiri oleh anggota Dewan Komisaris dan be attended by members of the Board of Commissioners and
anggota Direksi apabila diperlukan. members of the Board of Directors if necessary.
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Sepanjang tahun 2023, Komite Pemantau Risiko Bank telah Throughout 2023, the Bank Risk Oversight Committee held 13
menyelenggarakan rapat sebanyak 13 (tiga belas) kali dengan (thirteen) meetings with the frequency of member attendance
frekuensi kehadiran anggota sebagai berikut: as follows:
Nama Jabatan Jumlah Kehadiran Rapat
Name Position Number of Meeting
Rosmaya Ketua 13
Chairwoman
Aulia Usmanto Anggota 13
Member
Lista Irna Anggota 13
Member
Tanggal Pelaksanaan Agenda Rapat
No
Date Meeting Agenda
1 25 Januari 2023 1. Tingkat Kesehatan Bank Semester II - 2022 dan Risk Profile Q4-2022
January 25, 2023 2. Operational Risk Loss
3. Incident Report
4. Credit Risk Monitoring
5. Compliance Monitoring
1. Bank Health Level Semester II - 2022 and Risk Profile Q4-2022
2. Operational Risk Loss
3. Incident Report
4. Credit Risk Monitoring
5. Compliance Monitoring
2 28 Februari 2023 Manajemen Risiko Likuiditas Bank
February 28, 2023 Bank Liquidity Risk Management
3 29 Maret 2023 Manajemen Risiko Cyber Security
March 29, 2023 Cyber Risk Management Secu
4 10 April 2023 1. Stress Test atas Wholesale Lending Portfolio
April 10, 2023 2. Kerjasama Konsultasi Pengajuan Kredit
1. Stress Test of Wholesale Lending Portfolio
2. Credit Application Consultation Collaboration
5 12 April 2023 Product Roadmap & Digital Lending Update
April 12, 2023
6 22 Mei 2023 1. 1Q23 Risk Profile
May 22, 2023 2. Operational Risk Update
3. Cybersecurity Risk Awareness
4. Infrastruktur Bank Devisa
7 12 Juli 2023 Dashboard IT Infrastruktur
July 12, 2023
8 26 Juli 2023 Tingkat Kesehatan Bank Semester I 2023
July 26, 2023 Bank Soundness Level Semester I 2023
9 16 Agustus 2023 Update Kebijakan dan Prosedur
August 16, 2023 Update Policies and Procedures
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Tanggal Pelaksanaan Agenda Rapat
No
Date Meeting Agenda
10 13 September 2023 Pengelolaan Vendor Management
September 13, 2023 Vendor Management
11 18 Oktober 2023 3Q23 Risk Profile
October 18, 2023
12 22 November 2023 Rencana Aksi Keuangan Berkelanjutan tahun 2024
November 22, 2023 Sustainable Finance Action Plan 2024
13 4 Desember 2023 Digital Strategi
December 4, 2023 Digital Strategy
Peningkatan Kompetensi Komite Pemantau Risiko Competency Development of Risk Oversight
Committee
Allo Bank memfasilitasi seluruh Insan Bank di seluruh level Allo Bank facilitates all Bank Personnel at all levels to carry out
untuk melaksanakan program pengembangan kompetensi guna competency development programs to create superior and
menciptakan SDM yang unggul dan berdaya saing. Informasi competitive human resources. Information regarding increasing
mengenai peningkatan kompetensi Komite Pemantau Risiko the competence of the Risk Oversight Committee throughout 2023
sepanjang tahun 2023 dapat dilihat pada Bab Profil Perusahaan can be seen in the Company Profile Chapter in this Annual Report.
dalam Laporan Tahunan ini.
Laporan Pelaksanaan Tugas Pemantau Risiko Implementation Report of Risk Oversight Committee
Duties
Sepanjang tahun 2023, Komite Pemantau Risiko telah melaksanakan Throughout 2023, the Risk Oversight Committee carried out its
tugasnya melalui sejumlah kegiatan, seperti: duties through a number of activities, such as:
1. Memantau dan melakukan evaluasi terhadap delapan tipe 1. Monitor and evaluate eight main types of Bank risk, including
risiko Utama Bank, di antaranya Risiko Kredit, Pasar, Likuiditas, Credit, Market, Liquidity, Operational, Reputation, Legal,
Operasional, Reputasi, Hukum, Strategis, dan Kepatuhan. Strategic and Compliance Risk.
2. Memantau dan mengevaluasi kebijakan Manajemen Risiko, 2. Monitor and evaluate Risk Management policies, as well as
serta kebijakan-kebijakan lain yang terkait dengan risiko Bank. other policies related to Bank risk.
3. Memantau Risk Appetite, termasuk limit toleransi dan limit 3. Monitor Risk Appetite, including tolerance limits and risk limits
risiko sesuai dengan matrik risiko yang telah ditetapkan untuk in accordance with the risk matrix that has been determined
delapan jenis risiko dan ketahanan modal. for eight types of risk and capital resilience.
4. Memantau permodalan Bank dengan mengaitkan tingkat 4. Monitor the Bank’s capital by comparing the level of risk to
risiko dengan kecukupan modal untuk mengantisipasi potensi capital adequacy to anticipate potential losses that could arise
kerugian yang dapat timbul dari aktivitas usaha Bank. from the Bank’s business activities.
5. Memantau dan mengevaluasi pelaksanaan tugas Komite 5. Monitor and evaluate the implementation of the duties of the
Manajemen Risiko dan Satuan Kerja Manajemen Risiko. Risk Management Committee and Risk Management Work Unit.
6. Memantau Tingkat Kesehatan Bank berdasarkan 6. M o n i to r t h e B a n k ’s S ou n d n e s s Leve l b a s e d o n
penilaian mandiri. independent assessment.
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Komite Remunerasi dan Nominasi | Remuneration and Nomination Committee
Komite Remunerasi dan Nominasi merupakan komite yang The Remuneration and Nomination Committee is formed by the
dibentuk oleh Dewan Komisaris untuk melakukan pengawasan dan Board of Commissioners to supervise and provide independent
memberikan pendapat yang independen kepada Dewan Komisaris opinions to the Board of Commissioners regarding remuneration
terkait kebijakan remunerasi dan nominasi. and nomination policies.
Dasar Hukum Legal Basis
Pembentukan Komite Remunerasi dan Nominasi berpedoman The formation of the Remuneration and Nomination Committee is
dan berlandaskan kepada peraturan perundang-undangan yang guided by and based on applicable laws and regulations as well
berlaku serta best practices yang diterapkan di lembaga perbankan as best practices implemented in banking institutions in Indonesia,
di Indonesia, termasuk: including:
1. Peraturan Otoritas Jasa Keuangan (“POJK”) No. 33/ 1. Financial Services Authority Regulation (“POJK”) No. 33/
POJK.04/2014 tanggal 8 Desember 2014 tentang Direksi POJK.04/2014 dated December 8, 2014 concerning Directors
dan Dewan Komisaris Emiten atau Perusahaan Publik. and Board of Commissioners of Issuers or Public Companies.
2. POJK No. 17/POJK.03/2023 tanggal 14 September 2023 2. POJK No. 17/POJK.03/2023 dated September 14, 2023
tentang Penerapan Tata Kelola bagi Bank Umum. concerning the Implementation of Governance for
Commercial Banks.
3. SEOJK No. 13/SEOJK.03/2017 tanggal 17 Maret 2017 tentang 3. SEOJK No. 13/SEOJK.03/2017 dated March 17, 2017 concerning
Penerapan Tata Kelola bagi Bank Umum Implementation of Governance for Commercial Banks
4. POJK No. 34/POJK.04/2014 tanggal 8 Desember 2014 4. POJK No. 34/POJK.04/2014 dated December 8, 2014
tentang Komite Nominasi Dan Remunerasi Emiten Atau concerning Nomination and Remuneration Committees for
Perusahaan Publik. Issuers or Public Companies.
5. Anggaran Dasar Bank. 5. Bank Articles of Association.
Persyaratan Keanggotaan Komite Remunerasi dan Membership Requirements for the Remuneration and
Nominasi Nomination Committee
1. Persyaratan umum: 1. General requirements:
a. Memiliki integritas, akhlak dan moral yang baik. a. Have integrity, good morals and morals.
b. Tidak memiliki kepentingan/keterkaitan pribadi yang dapat b. Have no personal interests/relationships that could give rise
menimbulkan conflict of interest terhadap Bank. to a conflict of interest towards the Bank.
2. Persyaratan Kompetensi: 2. Competency Requirements:
a. Memiliki keahlian, kemampuan, pengetahuan dan a. Have adequate skills, abilities, knowledge and experience
pengalaman yang memadai yang berhubungan dengan related to their duties and responsibilities.
tugas dan tanggung jawabnya.
b. Memiliki pengetahuan yang memadai tentang Anggaran b. Have adequate knowledge of the Bank’s Articles of
Dasar Bank, peraturan perundangan di bidang perbankan, Association, laws and regulations in the banking sector,
Pasar Modal dan peraturan perundangan terkait sumber Capital Markets and laws and regulations related to
daya manusia. human resources.
c. Bersedia meningkatkan kompetensi secara terus-menerus c. Be willing to continuously improve competence through
melalui pendidikan dan pelatihan. education and training.
3. Kerahasiaan: 3. Confidentiality:
a. Anggota Komite Remunerasi dan Nominasi wajib menjaga a. Members of the Remuneration and Nomination Committee
kerahasiaan atas seluruh dokumen dan/atau informasi Bank are obliged to maintain the confidentiality of all Bank
serta segala sesuatu yang berhubungan dengan Bank documents and/or information as well as everything related
dan pelaksanaan tugas Komite. Adapun pengklasifikasian to the Bank and the implementation of the Committee’s
kerahasiaan dokumen dan/atau informasi Bank tersebut duties. The classification of confidentiality of Bank
mengacu pada ketentuan internal dan peraturan documents and/or information refers to internal provisions
perundang- undangan yang berlaku. and applicable laws and regulations.
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b. Kewajiban untuk merahasiakan berlaku pula apabila masa b. The obligation to keep various matters confidential
jabatan sebagai anggota Komite Remunerasi dan Nominasi also applies if the term of office as a member of the
maupun masa jabatan sebagai anggota Dewan Komisaris Remuneration and Nomination Committee or the term
di Bank berakhir. of office as a member of the Board of Commissioners at
the Bank ends.
Pedoman Kerja: Piagam Komite Remunerasi dan Work Guidelines: Remuneration and Nomination
Nominasi Committee Charter
Komite Remunerasi dan Nominasi telah memiliki pedoman kerja The Remuneration and Nomination Committee has work guidelines
yang ditetapkan dalam Piagam Komite Remunerasi dan Nominasi. stipulated in the Remuneration and Nomination Committee
Piagam tersebut mengatur mengenai tugas dan tanggung jawab Charter. The charter regulates the duties and responsibilities of
Komite, wewenang, struktur keanggotaan, persyaratan keanggotaan, the Committee, authority, membership structure, membership
mekanisme kerja, etika, waktu kerja, dan mekanisme rapat. requirements, work mechanisms, ethics, working hours and
meeting mechanisms.
Masa Tugas Komite Remunerasi dan Nominasi Term of Service of the Remuneration and Nomination
Committee
1. Masa tugas anggota Komite Remunerasi dan Nominasi 1. The term of office of members of the Remuneration and
tidak boleh lebih lama dari masa jabatan Dewan Komisaris Nomination Committee may not be longer than the term of
sebagaimana diatur dalam Anggaran Dasar. office of the Board of Commissioners as regulated in the Articles
of Association.
2. Penggantian anggota Komite Remunerasi dan Nominasi yang 2. Replacement of members of the Remuneration and
bukan berasal dari Dewan Komisaris dilakukan paling lambat Nomination Committee who are not members of the Board
60 (enam puluh) hari sejak anggota Komite Remunerasi dan of Commissioners shall be carried out no later than 60 (sixty)
Nominasi dimaksud tidak dapat lagi melaksanakan fungsinya. days after the members of the Remuneration and Nomination
Committee are no longer able to carry out their functions.
3. Apabila anggota Dewan Komisaris yang menjadi Ketua Komite 3. If the member of the Board of Commissioners who is the Chair
Remunerasi & Nominasi berhenti sebelum masa tugasnya of the Remuneration & Nomination Committee resigns before
sebagai Komisaris Bank, maka Ketua Komite Remunerasi & his term of office as Bank Commissioner, then the Head of the
Nominasi digantikan oleh Komisaris Independen lainnya. Remuneration & Nomination Committee will be replaced by
another Independent Commissioner.
4. Apabila masa tugas sebagai Dewan Komisaris berakhir, 4. If the term of service as a member of the Board of Commissioners
maka berakhir pula masa tugasnya sebagai Anggota Komite ends, the term of duty as a member of the Remuneration and
Remunerasi dan Nominasi. Nomination Committee also ends.
Komposisi dan Struktur Keanggotaan Komite Composition and Membership Structure of
Nominasi dan Remunerasi Remuneration and Nomination Committee
Ketentuan keanggotaan Komite Remunerasi dan Nominasi Bank The provisions for membership of the Bank’s Remuneration and
ditetapkan sebagai berikut: Nomination Committee are determined as follows:
1. Komposisi keanggotaan Komite Remunerasi dan Nominasi 1. The membership composition of the Remuneration and
wajib beranggotakan paling sedikit: Nomination Committee must consist of at least:
a. 1 (satu) orang Komisaris Independen sebagai Ketua a. 1 (one) Independent Commissioner as Chairman
merangkap anggota; and member;
b. 1 (satu) orang Komisaris Non-Independen; b. 1 (one) Non-Independent Commissioner;
c. 1 (satu) orang Pejabat Eksekutif yang membawahi fungsi c. 1 (one) Executive Officer in charge of Human
Sumber Daya Manusia. Resources functions.
2. Anggota Direksi Bank maupun Bank lain dilarang menjadi 2. Members of the Board of Directors of the Bank or other Banks
anggota Komite Remunerasi dan Nominasi. are prohibited from being members of the Remuneration and
Nomination Committee.
3. Dalam hal Anggota Komite Remunerasi dan Nominasi ditetapkan 3. In the event that the members of the Remuneration and
lebih dari 3 (tiga) orang, maka Komisaris Independen paling Nomination Committee are determined to be more than 3
sedikit berjumlah 2 (dua) orang. (three) people, the number of Independent Commissioners
shall be at least 2 (two) people.
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4. Ketua Komite Remunerasi dan Nominasi hanya dapat 4. The Head of the Remuneration and Nomination Committee can
merangkap jabatan sebagai ketua Komite paling banyak pada only hold the same position as Committee Chair in a maximum
1 (satu) Komite lainnya. of 1 (one) other Committee.
Di tahun 2023, komposisi Komite Remunerasi dan Nominasi In 2023, the composition of the Remuneration and Nomination
mengalami perubahan sebagaimana tertuang dalam Surat Committee changed as stated in Decree No. SK: 090/DIRAB/23
Keputusan No. SK: 090/DIRAB/23 tanggal 1 November 2023 dated November 1, 2023 concerning the Remuneration and
tentang Komite Remunerasi dan Nominasi dengan rincian Nomination Committee with the following details:
sebagai berikut:
Nama Jabatan Dasar Pengangkatan Masa Jabatan
Name Positon Basis of Appointment Term of Office
Aviliani Ketua Surat Keputusan No. SK: 090/DIRAB/23 tanggal 1 November Mengikuti masa jabatan sebagai
Chairwoman 2023 tentang Komite Remunerasi dan Nominasi Dewan Komisaris
Decree No. SK: 090/DIRAB/23 dated November 1, 2023 Following the term of office as
concerning Remuneration and Nomination Committee the Board of Commissioners.
Ali Gunawan Anggota Surat Keputusan No. SK: 090/DIRAB/23 tanggal 1 November Mengikuti masa jabatan sebagai
Member 2023 tentang Komite Remunerasi dan Nominasi Dewan Komisaris
Decree No. SK: 090/DIRAB/23 dated November 1, 2023 Following the term of office as
concerning Remuneration and Nomination Committee the Board of Commissioners.
Netty Delima Simanjuntak Anggota Surat Keputusan No. 090/DIRAB/23 tanggal 1 November 2023
Member tentang Komite Remunerasi dan Nominasi
Decree No. SK: 090/DIRAB/23 dated November 1, 2023
concerning Remuneration and Nomination Committee
Aviliani
Ketua Komite Remunerasi dan Nominasi/Komisaris Utama Independen
Head of the Remuneration and Nomination Committee/Independent Main Commissioner
Profil Aviliani selaku Ketua Komite Remunerasi dan Nominasi/Komisaris Aviliani’s profile as Head of the Remuneration and Nomination
Utama Independen dapat dilihat pada bagian Profil Dewan Komisaris Committee/Independent Main Commissioner can be seen in the Profile
dalam Bab Profil Perusahaan Laporan Tahunan ini. of the Board of Commissioners section in the Company Profile Chapter
of this Annual Report.
Ali Gunawan
Anggota Komite Remunerasi dan Nominasi/Komisaris
Member of Remuneration and Nomination Committee/Commissioner
Profil Ali Gunawan selaku anggota Komite Remunerasi dan Nominasi/ Ali Gunawan’s profile as a member of the Remuneration and Nomination
Komisaris dapat dilihat pada bagian Profil Dewan Komisaris dalam Bab Committee/Commissioner can be seen in the Profile of the Board
Profil Perusahaan Laporan Tahunan ini. of Commissioners section in the Company Profile Chapter of this
Annual Report.
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Profil Perusahaan
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Kewarganegaraan Indonesia
Citizenship Indonesia
Usia 47 tahun
Age 47 years old
Kelahiran Jakarta, 24 April 1976
Place of Birth Jakarta, April 24, 1967
Domisili Pamulang, Tangerang Selatan, Banten
Domicile Pamulang, South Tangerang, Banten
Netty Delima Simanjuntak
Anggota Komite Remunerasi dan Nominasi
Member of Remuneration and Nomination Committee
Riwayat Pendidikan • S1 Psikologi/Bachelor of Psychology
Educational Background • S2 Profesi Psikolog/Master’s Degree as a Psychologist
Riwayat Pekerjaan • Experd Consultant, 2001 - 2006
Employment History • Hutchison CP Telecommunication, 2006 - 2008
• Adira Dinamika Multi Finance, 2008 - 2012
• Dinamika Talenta Consultant, 2012 - 2014
• Bank CTBC Indonesia, 2014 - 2017
• Bank Mega, 2017 - 2023
Pendidikan dan/atau • Psychologist Practitioner Certification, 2001
Sertifikasi Profesi yang Berlaku • Coaching Practitioner Certification, 2020
Applicable Education and/or
Professional Certifications
Tugas dan Tanggung Jawab Komite Remunerasi dan Duties and Responsibilities of the Remuneration and
Nominasi Nomination Committee
Dalam menjalankan fungsinya, Komite harus bertindak secara In carrying out its functions, the Committee must act independently
independen dalam melaksanakan tugas dan tanggung jawab in carrying out its duties and responsibilities, including the following:
antara lain sebagai berikut:
1. Terkait Kebijakan Remunerasi: 1. Regarding Remuneration Policy:
a. M e m b e r i k a n r e k o m e n d a s i k e p a d a D e w a n a. P rov i d e re c o m m e n d a t i o n s t o t h e B o a rd o f
Komisaris mengenai: Commissioners regarding:
• Struktur remunerasi; • Remuneration structure;
• Kebijakan atas remunerasi; dan • Policies on remuneration; And
• Besaran atas remunerasi bagi Anggota Direksi dan/atau • Amount of remuneration for Members of the
Anggota Dewan Komisaris. Board of Directors and/or Members of the Board
of Commissioners.
b. Struktur, kebijakan, dan besaran remunerasi sebagaimana b. The structure, policies and amount of remuneration as
dimaksud di atas wajib dievaluasi oleh Komite Remunerasi referred to above must be evaluated by the Remuneration
dan Nominasi paling kurang 1 (satu) kali dalam 1 (satu) tahun. and Nomination Committee at least 1 (one) time in 1 (one)
year.
c. Struktur remunerasi sebagaimana dimaksud di atas dapat c. The remuneration structure as referred to above may include
berupa gaji, honorarium, insentif, dan/atau tunjangan yang salary, honorarium, incentives and/or allowances which are
bersifat tetap dan/atau variable. fixed and/or variable.
d. Membantu Dewan Komisaris melakukan penilaian kinerja d. Assist the Board of Commissioners in conducting
dengan kesesuaian remunerasi yang diterima masing- performance assessments according to the remuneration
masing anggota Direksi dan/atau anggota Dewan Komisaris. received by each member of the Board of Directors and/
or members of the Board of Commissioners.
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e. Melakukan evaluasi terhadap kebijakan remunerasi e. Evaluate remuneration policies based on performance, risk,
yang didasarkan atas kinerja, risiko, kewajaran dengan fairness with peer groups, targets and long-term strategies
peer group, sasaran, dan strategi jangka panjang Bank, of the Bank, fulfillment of reserves as regulated in statutory
pemenuhan cadangan sebagaimana diatur dalam peraturan regulations and the Bank’s potential income in the future.
perundang- undangan dan potensi pendapatan Bank di
masa yang akan datang.
f. Menyampaikan hasil evaluasi dan rekomendasi kepada f.Submit evaluation results and recommendations to the
Dewan Komisaris mengenai: Board of Commissioners regarding:
• Kebijakan remunerasi bagi Direksi dan Dewan Komisaris • Remuneration policy for Directors and Board of
untuk disampaikan kepada Rapat Umum Pemegang Commissioners to be submitted to the General Meeting
Saham; dan of Shareholders; And
• Kebijakan remunerasi bagi pegawai secara keseluruhan • The remuneration policy for employees as a whole is
untuk disampaikan kepada Direksi. to be submitted to the Board of Directors.
g. Memastikan bahwa kebijakan remunerasi telah sesuai g. Ensure that the remuneration policy is in accordance with
dengan ketentuan yang berlaku. applicable regulations.
h. Melakukan evaluasi secara berkala terhadap penerapan h. Conduct regular evaluations of the implementation of
kebijakan remunerasi di Bank remuneration policies at the Bank
2. Terkait Kebijakan Nominasi: 2. Regarding Nomination Policy:
a. Menyusun dan memberikan rekomendasi kepada Dewan a. Prepare and provide recommendations to the Board of
Komisaris mengenai: Commissioners regarding:
• Komposisi jabatan anggota Direksi dan/atau anggota • Composition of positions of members of the
Dewan Komisaris. Board of Directors and/or members of the Board
of Commissioners.
• Kebijakan dan kriteria yang dibutuhkan dalam • Policies and criteria required in the Nomination process.
proses Nominasi.
• Kebijakan evaluasi kinerja bagi anggota Direksi dan/ •Performance evaluation policy for members of the
atau anggota Dewan Komisaris. Board of Directors and/or members of the Board
of Commissioners.
b. Menyusun kebijakan evaluasi kinerja dan melakukan b. Develop performance evaluation policies and assess the
penilaian kinerja Direksi dan/atau Dewan Komisaris performance of the Board of Directors and/or Board of
berdasarkan tolok ukur yang telah disusun sebagai Commissioners based on benchmarks that have been
bahan evaluasi. prepared as evaluation material.
c. Memberikan rekomendasi kepada Dewan Komisaris c. Provide recommendations to the Board of Commissioners
mengenai program pengembangan kemampuan anggota regarding capacity development programs for members
Direksi dan/atau anggota Dewan Komisaris. of the Board of Directors and/or members of the Board
of Commissioners.
d. Mengidentifikasi dan memberikan rekomendasi mengenai d. Identify and provide recommendations regarding
calon anggota Direksi dan/atau calon anggota Dewan prospective members of the Board of Directors and/or
Komisaris kepada Dewan Komisaris untuk disampaikan prospective members of the Board of Commissioners to
kepada Rapat Umum Pemegang Saham; the Board of Commissioners to be submitted to the General
Meeting of Shareholders;
e. Memberikan rekomendasi kepada Dewan Komisaris e. Provide recommendations to the Board of Commissioners
mengenai Pihak Independen yang akan menjadi Anggota regarding Independent Parties who will become Members
Komite Audit dan Anggota Komite Pemantau Risiko Bank. of the Audit Committee and Members of the Bank Risk
Oversight Committee.
3. Menyusun Piagam Kerja Komite Remunerasi dan Nominasi 3. Prepare a Remuneration and Nomination Committee Work
dan melakukan tinjauan sesuai kebutuhan paling kurang 2 Charter and conduct reviews as needed at least once every
(dua) tahun sekali. 2 (two) years.
4. Ketua Komite Remunerasi dan Nominasi bertugas dan 4. The Head of the Remuneration and Nomination Committee
bertanggung jawab untuk melakukan koordinasi atas seluruh is tasked with and responsible for coordinating all Committee
kegiatan Komite untuk memenuhi tujuan Komite sesuai activities to fulfill the Committee’s objectives in accordance
dengan pembentukannya. with its formation.
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5. Ketua dan Anggota Komite Remunerasi dan Nominasi 5. The Head and Members of the Remuneration and Nomination
bertanggung jawab untuk hal – hal sebagai berikut: Committee are responsible for the following matters:
a. Menentukan rencana kerja tahunan; a. Determine the annual work plan;
b. Menentukan jadwal rapat tahunan; b. Determine the annual meeting schedule;
c. Membuat laporan berkala mengenai kegiatan Komite serta c. Make periodic reports regarding Committee activities and
hal-hal yang dirasakan perlu untuk menjadi perhatian matters deemed necessary for the attention of the Board
Dewan Komisaris; of Commissioners;
d. Menghadiri rapat; d. Attend meetings;
e. Berperan aktif dan memberikan kontribusinya dalam setiap e. Play an active role and contribute to every Committee
kegiatan Rapat Komite. Meeting activity.
Wewenang Komite Remunerasi dan Nominasi Authority of the Remuneration and Nomination
Committee
Dalam melaksanakan tugasnya, Komite memiliki wewenang In carrying out its duties, the Committee has the following authorities:
sebagai berikut: 1. Communicate with the Head of Work Unit and other parties
1. Melakukan komunikasi dengan Kepala Unit Kerja dan pihak- at the Bank to obtain information, clarification and request
pihak lain di Bank untuk memperoleh informasi, klarifikasi serta necessary documents and reports.
meminta dokumen dan laporan yang diperlukan.
2. Mengakses catatan atau informasi tentang pegawai, dana, aset 2. Access records or information about employees, funds, assets
serta sumber daya perusahaan lainnya yang berkaitan dengan and other company resources related to the implementation
pelaksanaan tugasnya. of their duties.
3. Mendapatkan masukan dan atau saran dari pihak luar Bank 3. Obtain input and/or suggestions from parties outside the Bank
yang berkaitan dengan tugasnya. related to their duties.
4. Melakukan kewenangan lain yang diberikan oleh 4. Carry out other authorities granted by the Board
Dewan Komisaris. of Commissioners.
Independensi Anggota Komite Remunerasi dan Independence of Remuneration and Nomination
Nominasi Committee Members
Seluruh anggota komite senantiasa bertindak secara independen All committee members always act independently in carrying out
dalam melaksanakan fungsi dan tugas Dewan Komisaris terkait the functions and duties of the Board of Commissioners regarding
remunerasi dan nominasi terhadap anggota Direksi dan anggota remuneration and nomination of members of the Board of Directors
Dewan Komisaris untuk terus memperkuat sistem dan remunerasi and members of the Board of Commissioners to continue to
Bank yang berbasis kinerja. Hal tersebut sebagaimana tertuang strengthen the Bank’s performance-based remuneration and
dalam Piagam Kerja Komite Remunerasi dan Nominasi dalam system. This is as stated in the Remuneration and Nomination
memberikan petunjuk kerja bagi masing-masing Anggota Komite Committee Work Charter in providing work instructions for each
dalam menjalankan aktivitas profesionalnya secara terstruktur, Committee Member in carrying out their professional activities
sistematis, mudah dipahami dan konsisten, sehingga dapat dijadikan in a structured, systematic, easy to understand and consistent
acuan bagi mereka dalam melaksanakan tugas dan tanggung jawab manner, so that it can be used as a reference for them in carrying
serta meningkatkan kualitas dan efektifitas kerja antara berbagai out their duties and responsibilities and improving quality. and work
organ dalam Bank. effectiveness between various organs within the Bank.
Penyelenggaraan Rapat Komite Remunerasi dan Implementation of Remuneration and Nomination
Nominasi Committee Meetings
Komite Remunerasi dan Nominasi telah memiliki ketentuan terkait The Remuneration and Nomination Committee has provisions on
penyelenggaraan rapat sebagai berikut: holding meetings as follows:
1. Komite Remunerasi dan Nominasi mengadakan rapat secara 1. The Remuneration and Nomination Committee holds regular
berkala paling sedikit 1 kali dalam 3 (tiga) bulan. meetings at least once every 3 (three) months.
2. Rapat Komite hanya dapat dilaksanakan jika dihadiri mayoritas 2. Committee meetings can only be held if attended by the majority
anggota komite, termasuk kehadiran: of committee members, including the presence of:
a. 1 (satu) orang Komisaris Independen; dan a. 1 (one) Independent Commissioner; And
b. 1 (satu) orang Pejabat Eksekutif yang membawahkan fungsi b. 1 (one) Executive Officer in charge of the Human
Sumber Daya Manusia. Resources function.
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3. Keputusan rapat Komite Remunerasi dan Nominasi diambil 3. Remuneration and Nomination Committee meeting decisions
berdasarkan musyawarah untuk mufakat. are taken based on deliberation to reach consensus.
4. Dalam hal tidak terjadi musyawarah mufakat sebagaimana 4. In the event that consensus deliberation as referred to in point 3
dimaksud pada butir 3, pengambilan keputusan dilakukan does not occur, decisions are made based on the majority vote.
berdasarkan suara terbanyak.
5. Setiap rapat Komite Remunerasi dan Nominasi dituangkan 5. Every meeting of the Remuneration and Nomination Committee
dalam risalah rapat, termasuk apabila terdapat perbedaan is outlined in the minutes of the meeting, including differences
pendapat, yang ditandatangani oleh seluruh anggota Komite of opinion, which are signed by all Committee members present.
yang hadir.
6. Rapat dapat dilakukan baik secara tatap muka maupun virtual 6. Meetings can be held either face-to-face or virtually via
melalui media telekonferensi atau sarana media lainnya yang teleconferencing or other media facilities that enable all
memungkinkan semua peserta Rapat Komite saling melihat dan Committee Meeting participants to see and hear each other
mendengar secara langsung serta berpartisipasi dalam rapat. directly and participate in the meeting.
Sepanjang tahun 2023, Komite Remunerasi dan Nominasi telah Throughout 2023, the Remuneration and Nomination Committee
menyelenggarakan rapat sebanyak 6 kali dengan frekuensi held 6 meetings with the frequency of attendance and details of
kehadiran dan rincian agenda pembahasan sebagai berikut: the discussion agenda as follows:
Nama Jabatan Jumlah Kehadiran Rapat
Name Position Number of Meeting Attendance
Aviliani Ketua Komite Remunerasi dan Nominasi
6
Head of the Remuneration and Nomination Committee
Ali Gunawan Anggota Komite Remunerasi dan Nominasi
6
Member of the Remuneration and Nomination Committee
Netty Delima Simanjuntak Anggota Komite Remunerasi dan Nominasi
-
Member of the Remuneration and Nomination Committee
Tanggal Pelaksanaan Agenda Rapat
No
Date Meeting Agenda
1 16 Januari 2023 Laporan Rekrutmen Pejabat Eksekutif dan Pejabat Lead
January 16, 2023 Executive Officer and Lead Officer Recruitment Report
2 01 Maret 2023 Keputusan Calon Anggota Komite Pemantau Risiko Bank
March 1, 2023 Decision of Candidates for Bank Risk Oversight Committee Members
3 12 April 2023 Penunjukan Anggota Komite Tata Kelola Terintegrasi Bank
April 12, 2023 Appointment of Members of the Bank's Integrated Governance Committee
4 22 Mei 2023 Penyesuaian Remunerasi Pengurus Komisaris dan Direksi Bank
May 22, 2023 Adjustment of Remuneration for Bank Commissioners and Directors
5 12 Juli 2023 Penunjukan Anggota Support Group Tata Kelola Terintegrasi Bank
July 12, 2023 Appointment of Members of the Bank's Integrated Governance Support Group
6 16 Oktober 2023 Perubahan Susunan Anggota Komite Remunerasi dan Nominasi Bank
October 16, 2023 Changes in the Composition of Members of the Bank's Remuneration and Nomination Committee
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2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Peningkatan Kompetensi Komite Remunerasi dan Competency Development of Remuneration and
Nominasi Nomination Committee
Allo Bank memfasilitasi seluruh Insan Bank di seluruh level Allo Bank facilitates all Bank Personnel at all levels to carry out
untuk melaksanakan program pengembangan kompetensi guna competency development programs to create superior and
menciptakan SDM yang unggul dan berdaya saing. Informasi competitive human resources. Information regarding increasing
mengenai peningkatan kompetensi Komite Remunerasi dan the competency of the Remuneration and Nomination Committee
Nominasi sepanjang tahun 2023 dapat dilihat pada Bab Profil throughout 2023 can be seen in the Company Profile Chapter in
Perusahaan dalam Laporan Tahunan ini. this Annual Report.
Laporan Pelaksanaan Tugas Komite Remunerasi dan Report on the Implementation of Duties of the
Nominasi Remuneration and Nomination Committee
Di tahun 2023, Komite Remunerasi dan Nominasi telah In 2023, the Remuneration and Nomination Committee carried out
melaksanakan tugas dan tanggung jawabnya melalui sejumlah its duties and responsibilities through a number of activities, such as:
kegiatan, seperti:
1. Menerima dan mencatat pengangkatan Lista Irna sebagai 1. Receive and record the appointment of Lista Irna as an
anggota independen Komite Pemantau Risiko dan Netty Delima independent member of the Risk Oversight Committee and
Simanjuntak sebagai anggota Komite Remunerasi dan Nominasi Netty Delima Simanjuntak as a member of the Remuneration
mewakili fungsi HCSS. and Nomination Committee representing the HCSS function.
2. Mencatat dan mendukung penyesuaian remunerasi untuk 2. Record and support remuneration adjustments for Bank
pengurus Bank. management.
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Management Discussion and Analysis
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Sustainability Report 393
Organ
Pendukung Direksi
Supporting Organs of
the Board of Directors
Berdasarkan ketentuan perundang-undangan, Direksi dapat Based on statutory provisions, the Board of Directors shall form
membentuk organ yang dapat membantu pelaksanaan tugas organs that can assist the duties of the Allo Bank Board of Directors.
Direksi Allo Bank. Di tahun 2023, Direksi telah membentuk beberapa In 2023, the Board of Directors formed several committees, such
komite, seperti Komite Manajemen Risiko, Komite Kredit, Komite as the Risk Management Committee, Credit Committee, ALCO
ALCO, Komite Pengarah Teknologi Informasi, Komite Produk, serta Committee, Information Technology Steering Committee, Product
Sekretaris Perusahaan. Committee, and Corporate Secretary.
Komite Manajemen Risiko | Risk Management Committee
Komite Manajemen Risiko dibentuk dengan tujuan untuk mendukung The Risk Management Committee is formed with the aim of
Direksi dalam hal pelaksanaan penerapan manajemen risiko sesuai supporting the Board of Directors in implementing risk management
dengan ketentuan OJK dan kebutuhan Bank. Terkait hal ini, Komite in accordance with OJK regulations and the Bank’s needs. In this
Manajemen Risiko bertugas untuk membantu memastikan bahwa regard, the Risk Management Committee is tasked with helping to
pengelolaan seluruh risiko telah dilakukan secara sistematis, ensure that the management of all risks is carried out in a systematic,
terintegrasi, dan berkesinambungan. integrated and sustainable manner.
Komposisi Komite Manajemen Risiko
Composition of Risk Management Committee
Jabatan di Bank Jabatan Keanggotaan Komite
Position in the Bank Position in the Committee Membership
Direktur Utama Ketua
President Director Chairman
Direktur Bisnis Anggota
Business Director Member
Direktur Risiko, Kepatuhan & Hukum Anggota
Risk, Compliance & Legal Director Member
Direktur Keuangan, Operasi & Human Capital Anggota
Finance, Operations & Human Capital Director Member
Direktur Digital Anggota
Digital Director Member
Divisi Enterprise, Operational & Market Risk Sekretaris
Enterprise, Operational & Market Risk Division Secretary
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Management Report
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Company Profile
Tugas dan Wewenang Komite Manajemen Risiko Duties and Authorities of the Risk Management
Committee
Komite Manajemen Risiko memiliki tugas dan tanggung jawab The Risk Management Committee has the duty and responsibility
untuk melakukan evaluasi dan memberikan rekomendasi kepada to carry out evaluations and provide recommendations to the
Direktur Utama terkait Manajemen Risiko, seperti: President Director regarding Risk Management, such as:
1. Penyusunan kebijakan Manajemen Risiko serta perubahannya, 1. Preparation of Risk Management policies and changes thereto,
termasuk strategi Manajemen Risiko, Tingkat Risiko yang diambil including Risk Management strategies, Level of Risk taken and
dan Toleransi Risiko, kerangka Manajemen Risiko serta rencana Risk Tolerance, Risk Management framework and contingency
kontinjensi untuk mengantisipasi terjadinya kondisi tidak normal. plans to anticipate the occurrence of abnormal conditions.
2. Penyusunan kebijakan Manajemen Risiko serta perubahannya, 2. Preparation of Risk Management policies and changes thereto,
termasuk strategi Manajemen Risiko, Tingkat Risiko yang diambil including Risk Management strategies, Level of Risk taken and
dan Toleransi Risiko, kerangka Manajemen Risiko serta rencana Risk Tolerance, Risk Management framework and contingency
kontinjensi untuk mengantisipasi terjadinya kondisi tidak normal. plans to anticipate the occurrence of abnormal conditions.
3. Penetapan kebijakan dan/atau keputusan bisnis yang 3. Determination of policies and/or business decisions that deviate
menyimpang dari prosedur normal, seperti pelampauan from normal procedures, such as exceeding significant business
ekspansi usaha yang signifikan dibandingkan dengan expansion compared to the Bank’s previously determined
Rencana Bisnis Bank yang telah ditetapkan sebelumnya, atau Business Plan, or taking Risk positions/exposures that exceed
pengambilan posisi/eksposur Risiko yang melampaui limit yang predetermined limits.
telah ditetapkan.
4. Menetapkan Risk Limit (Risk Appetite dan Risk Tolerance) dari 4. Determine the Risk Limit (Risk Appetite and Risk Tolerance) for
setiap bidang Risiko (Risk Taking Limit). each Risk area (Risk Taking Limit).
5. Memantau dan mengevaluasi penerapan Risk Limit disesuaikan 5. Monitor and evaluate the implementation of Risk Limits in
dengan ketentuan Risk Limit yang berlaku. accordance with applicable Risk Limit provisions.
6. Menetapkan kebijakan yang harus diambil berdasarkan 6. Determine the policies that must be taken based on the
hasil evaluasi. evaluation results.
7. Mengevaluasi Laporan Profil Risiko Triwulanan dan Semesteran 7. Evaluate the Quarterly and Semester Risk Profile Reports as
serta Laporan Penilaian Tingkat Kesehatan Bank (PTKB) sebelum well as the Bank Health Level Assessment Report (PTKB) before
disampaikan ke OJK sebagai laporan rutin. submitting it to the OJK as a routine report.
8. Mengevaluasi agar strategi bisnis Bank sejalan dengan 8. Conduct evaluation to align the Bank’s business strategy with
strategi Risiko. the Risk strategy.
9. Memantau isu-isu yang cukup signifikan melalui laporan yang 9. Monitor significant issues through reports submitted by the
disampaikan oleh sekretariat Komite Manajemen Risiko. Risk Management Committee secretariat
Laporan Pelaksanaan Tugas Komite Manajemen Report on the Implementation of Risk Management
Risiko Committee Activities
Pada tahun 2023, Komite Manajemen Risiko telah melaksanakan In 2023, the Risk Management Committee carried out its duties,
tugasnya, antara lain: including:
1. Memperbaharui Kebijakan Manajemen Risiko. 1. Update the Risk Management Policy.
2. Mengesahkan pembaruan piagam (charter) Komite 2. Ratify the renewal of the Risk Management Committee charter.
Manajemen Risiko.
3. Memberikan rekomendasi atas penetapan Tingkat 3. Provide recommendations on determining the Bank’s
Kesehatan Bank. Health Level.
4. Mengevaluasi hasil penilaian delapan jenis Profil Risiko Bank, di 4. Evaluate the results of assessing eight types of Bank Risk Profiles,
antaranya Risiko Kredit, Pasar, Likuiditas, Operasional, Reputasi, including Credit, Market, Liquidity, Operational, Reputation,
Hukum, Strategis, dan Kepatuhan. Legal, Strategic and Compliance Risk.
5. Memonitor Risk Appetite Statement Bank, termasuk limit risiko 5. Monitor the Bank’s Risk Appetite Statement, including risk limits
sesuai dengan matrik risiko yang telah ditetapkan untuk delapan in accordance with the risk matrix that has been determined
jenis risiko dan ketahanan modal. for eight types of risk and capital resilience.
6. Mengevaluasi pengelolaan permodalan Bank dengan 6. Evaluate the Bank’s capital management by linking the level
mengaitkan tingkat risiko dengan kecukupan modal sesuai of risk to capital adequacy in accordance with regulations.
dengan ketentuan.
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Sustainability Report 395
Komite Kredit | Credit Committee
Komite Kredit dibentuk dengan fungsi untuk membantu dalam The Credit Committee was formed with the function of assisting
menetapkan keputusan di bidang perkreditan, khususnya dalam in making decisions in the field of credit, especially in the context
rangka memberikan persetujuan/menolak suatu usulan permohonan of approving/rejecting a proposed credit application outlined in
kredit yang dituangkan dalam bentuk proposal kredit yang diajukan the form of a credit proposal submitted by a prospective debtor/
oleh calon debitur/debitur melalui petugas Bank yang telah ditunjuk. debtor through an appointed Bank officer.
Komposisi Komite Kredit
Composition of Credit Committee
Jabatan di Bank Jabatan Keanggotaan Komite
Position in the Bank Position in the Committee Membership
Direktur Utama Ketua
President Director Chairman
Direktur Bisnis atau Direktur Digital Anggota
Business Director or Digital Director Member
Direktur Risiko, Kepatuhan & Hukum Undangan Tetap
Risk, Compliance & Legal Director Permanent Invitee
Credit Review & Restructure Specialist Sekretaris
Secretary
Duties and Authorities of the Credit Committee
Tugas dan Wewenang Komite Kredit
1. Responsible for approving or rejecting credit applications and/
1. Bertanggung jawab untuk memberikan persetujuan atau or credit restructuring applications after obtaining sufficient
penolakan atas permohonan kredit dan/atau permohonan information from the proposer.
restrukturisasi kredit setelah memperoleh informasi yang cukup
dari pengusul. 2. In making decisions on credit proposals and/or credit
2. Dalam memberikan keputusan atas usulan kredit dan/atau restructuring, the Credit Committee is obliged to:
restrukturisasi kredit, Komite Kredit wajib: a. Consider studies from the Work Unit in charge of the
a. Mempertimbangkan kajian dari Unit Kerja yang membawahi Credit Review & Restructure function, the Work Unit in
fungsi Credit Review & Restructure, Unit Kerja yang charge of the Legal function, and the Work Unit in charge
membawahi fungsi Legal, dan Unit Kerja yang membawahi of the Compliance function. The results of this study can
fungsi Compliance. Hasil kajian tersebut dapat digunakan be used as a basis for making changes and/or additional
sebagai dasar untuk melakukan perubahan dan/atau requirements to mitigate credit risks that may arise.
penambahan persyaratan guna memitigasi risiko kredit
yang mungkin akan timbul. b. Ensure that all aspects fulfill the principles of providing
b. Memastikan bahwa seluruh aspek telah memenuhi prinsip healthy credit in accordance with the Bank’s Credit
pemberian kredit yang sehat sesuai dengan Pedoman Policy Guidelines, do not violate the provisions of the
Kebijakan Perkreditan Bank, tidak melanggar ketentuan Bank’s prudential principles which are guided by external
prinsip kehati-hatian Bank yang berpedoman pada peraturan and internal regulations or provisions, and ensure the
atau ketentuan eksternal maupun internal, dan memastikan appropriateness of providing credit and minimize the
kelayakan pemberian kredit serta meminimalkan potensi potential for moral hazard.
moral hazard.
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Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Laporan Pelaksanaan Tugas Komite Kredit Report on the Implementation of Credit Committee
Duties
Sepanjang tahun 2023, Komite Kredit telah melaksanakan Throughout 2023, the Credit Committee carried out activities in
kegiatan sesuai dengan fungsinya yaitu dengan mengevaluasi accordance with its function, namely by evaluating and deciding on
dan memutuskan proposal kredit yang diajukan oleh petugas bank credit proposals submitted by bank officers on new credit proposals
atas proposal kredit baru sesuai dengan ketentuan yang berlaku. in accordance with applicable regulations.
Komite Kebijakan Perkreditan | Credit Policy Committee
Komite Kebijakan Perkreditan bertujuan untuk membantu Direksi The Credit Policy Committee aims to assist the Board of Directors
terkait tugas dan tanggung jawab pengelolaan kebijakan perkreditan regarding the duties and responsibilities of managing credit
yang bertujuan untuk mendukung pemberian kredit yang sehat policies which aim to support sound credit provision and contain
dan mengandung unsur pengendalian internal mulai tahap awal elements of internal control from the initial stages of the credit
proses kegiatan perkreditan sampai dengan tahap pemantauan activity process up to the credit monitoring stage by observing
perkreditan dengan memperhatikan prinsip kehati-hatian. the precautionary principle.
Persyaratan Keanggotaan Komite Kebijakan Duties and Authorities of the Credit Policy
Perkreditan Committee
Komposisi Komite Kebijakan Perkreditan
Composition of Credit Policy Committee
Jabatan di Bank Jabatan Keanggotaan Komite
Position in the Bank Position in the Committee Membership
Direktur Utama Ketua
President Director Chairman
Direktur Bisnis Wakil Ketua
Business Director Vice Chairman
Direktur Keuangan, Operasi & Human Capital Undangan Tetap
Finance, Operations & Human Capital Director Permanent Invitee
Direktur Digital Undangan Tetap
Digital Director Permanent Invitee
Direktur Risiko, Kepatuhan & Hukum Anggota
Risk, Compliance & Legal Director Member
Process Management Head Anggota
Member
Legal Head Anggota
Member
Internal Audit & Fraud Management Head Anggota
Member
Credit Operations Head Anggota
Member
Treasury Head Anggota
Member
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Management Discussion and Analysis
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Sustainability Report 397
Jabatan di Bank Jabatan Keanggotaan Komite
Position in the Bank Position in the Committee Membership
Credit Head Anggota
Member
Collection Head Anggota
Member
Credit Review & Restructure Head Anggota
Member
Compliance, AML & CTF Head Anggota
Member
Enterprise, Operational & Market Risk Head Anggota
Member
Credit Risk Head Sekretaris (merangkap anggota)
Secretary (concurrently as a member)
Tugas dan Wewenang Komite Kebijakan Perkreditan Duties and Authorities of the Credit Policy
Committee
1. Menyampaikan laporan tertulis secara berkala kepada Direksi 1. Submit regular written reports to the Board of Directors with a
dengantembusan kepada Dewan Komisaris, mengenai: copy to the Board of Commissioners, regarding:
a. Hasil pengawasan atas penerapan dan pelaksanaan KPB. a. Results of supervision of the implementation and
implementation of the KPB.
b. Hasil pemantauan dan evaluasi pelaksanaan ketentuan b. Results of monitoring and evaluation of the implementation
perkreditanyang sudah dijalankan of credit provisions that have been implemented.
2. Memberikan saran mengenai langkah-langkah perbaikan yang 2. Provide suggestions regarding corrective steps that should be
sebaiknya diambil untuk memitigasi risiko yang mungkin timbul taken to mitigate risks that may arise from the implementation
atas implementasi suatu kebijakan dalam laporan tertulis yang of a policy in written reports that are made periodically.
dibuat secara berkala.
Laporan Pelaksanaan Tugas Komite Kebijakan Report on the Implementation of Credit Policy
Perkreditan Committee Activities
Sepanjang tahun 2023, Komite Kebijakan Perkreditan telah Throughout 2023, the Credit Policy Committee carried out activities
melaksanakan kegiatan sesuai dengan fungsinya yaitu memberikan according to its function, namely providing input to the Board of
masukan kepada Direksi terkait penyusunan, mengawasi penerapan Directors regarding preparation, overseeing the implementation
dan melakukan evaluasi atas kebijakan perkreditan Bank dalam and evaluating the Bank’s credit policies in order to mitigate the
rangka memitigasi proses perkreditan sesuai dengan prinsip kehati- credit process in accordance with the precautionary principle.
hatian.
Komite ALCO | ALCO Committee
Allo Bank membentuk Komite Aset dan Liabilitas (ALCO) yang Allo Bank formed an Assets and Liabilities Committee (ALCO) which
memiliki tugas dan tanggung jawab dalam pembahasan dan has duties and responsibilities in discussing and making strategic
pengambilan keputusan strategis terkait pengelolaan aset dan decisions regarding asset and liability management while still
liabilitas dengan tetap mempertimbangkan aspek pertumbuhan, considering aspects of growth, business continuity and profitability.
kesinambungan bisnis, dan profitabilitas.
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Management Report
Profil Perusahaan
Company Profile
Komposisi Komite ALCO
Composition of ALCO Committee
Jabatan di Bank Jabatan Keanggotaan Komite
Position in the Bank Position in the Committee Membership
Direktur Utama Ketua
President Director Chairman
Direktur Bisnis Wakil Ketua
Business Director Vice Chairman
Direktur Keuangan, Operasi & Human Capital Anggota Tetap
Finance, Operations & Human Capital Director Permanent Member
Direktur Risiko, Kepatuhan & Hukum Anggota Tetap
Risk, Compliance & Legal Director Permanent Member
Direktur Digital Anggota Tetap
Digital Director Permanent Member
Finance & Accounting Head Anggota Tetap
Permanent Member
Funding Head Anggota Tetap
Permanent Member
Credit Head Anggota Tetap
Permanent Member
Credit Risk Head Anggota Tetap
Permanent Member
Treasury Head Sekretaris
Secretary
Tugas dan Wewenang Komite ALCO Duties and Authorities of the ALCO Committee
1. Menetapkan target keuangan Bank guna mempertahankan 1. Determine the Bank’s financial targets to maintain and increase
dan meningkatkan nilai Bank melalui optimalisasi spread antara the Bank’s value by optimizing the spread between income and
pendapatan dan biaya pada tingkat risiko yang dapat ditoleransi. costs at a tolerable risk level.
2. Memastikan pelaksanaan disiplin Asset and Liabilities 2. Ensure that the implementation of Asset and Liabilities
Management mengarah kepada pencapaian target-target Management discipline leads to the achievement of financial
keuangan melalui penetapan Rencana Bisnis; komposisi neraca targets through the establishment of a Business Plan;
& off balance sheet aktiva/pasiva; dan penentuan tingkat suku composition of balance sheet & off balance sheet assets/
bunga dan/atau pricing untuk semua produk dan jasa Bank. liabilities; and determining interest rates and/or pricing for all
Bank products and services.
Laporan Pelaksanaan Tugas Komite ALCO Report on the Implementation of ALCO Committee
Activities
Sepanjang tahun 2023, Komite ALCO telah melaksanakan kegiatan Throughout 2023, the ALCO Committee carried out activities in
sesuai dengan fungsinya yaitu mengoptimalkan neraca Bank agar accordance with its function, namely optimizing the Bank’s balance
menghasilkan profit yang maksimal dan memelihara likuiditas Bank sheet to produce maximum profits and maintaining the Bank’s
sesuai kebutuhan neraca serta memastikan kondisi likuiditas yang liquidity according to balance sheet requirements and ensuring
patuh terhadap peraturan internal dan eksternal, Antara lain dengan liquidity conditions comply with internal and external regulations,
cara mengelola risiko suku bunga di neraca Bank serta merumuskan including by managing interest rate risk on the balance sheet.
contingency funding plan sesuai dengan peraturan yang berlaku. Bank and formulate contingency funding plans in accordance
with applicable regulations.
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Sustainability Report 399
Komite Pengarah Teknologi Informasi | Information Technology Steering Committee
Komite Pengarah Teknologi Informasi bertugas memberikan The Information Technology Steering Committee is tasked with
rekomendasi kepada Direksi dalam tugas dan tanggung jawabnya providing recommendations to the Board of Directors regarding
atas pengambilan keputusan strategis terkait dengan area their duties and responsibilities for making strategic decisions
teknologi informasi. related to the information technology area.
Komposisi Komite Teknologi Informasi
Composition of Information Technology Committee
Jabatan di Bank Jabatan Keanggotaan Komite
Position in the Bank Position in the Committee Membership
Direktur TI Ketua
IT Director Chairman
Direktur Keuangan, Operasi dan Human Capital Anggota
Finance, Operations and Human Capital Director Member
Direktur Risiko, Kepatuhan & Hukum Anggota
Risk, Compliance & Legal Director Member
Direktur Digital Anggota
Digital Director Member
Direktur Bisnis Undangan Tetap
Business Director Permanent Invitee
IT Strategy & Governance Head Sekretaris
Secretary
Tugas dan Wewenang Komite Pengarah Teknologi Duties and Authorities of the Information Technology
Informasi Steering Committee
Komite Teknologi Informasi bertugas memberikan arahan dan The Information Technology Committee is tasked with providing
keputusan dalam ruang lingkup sebagai berikut: direction and decisions within the following scope:
1. Rencana Strategis Teknologi Informasi yang sejalan dengan 1. Information Technology Strategic Plan which is in line with the
rencana strategis kegiatan usaha Bank. Bank’s strategic plan for business activities.
2. Perumusan kebijakan, standar, dan prosedur Teknologi Informasi 2. Formulation of key Information Technology policies, standards
yang utama. and procedures.
3. Kesesuaian antara proyek Teknologi Informasi yang disetujui 3. Conformity between approved Information Technology projects
dengan Rencana Strategis Teknologi Informasi. and the Information Technology Strategic Plan.
4. Kesesuaian antara pelaksanaan proyek Teknologi Informasi 4. Conformity between the implementation of the Information
dengan rencana proyek yang disepakati. Technology project and the agreed project plan.
5. Kesesuaian antara Teknologi Informasi dengan kebutuhan sistem 5. Compatibility between Information Technology and the needs
informasi manajemen serta kebutuhan kegiatan usaha Bank. of management information systems and the needs of the
Bank’s business activities.
6. Efektivitas langkah-langkah dalam meminimalkan risiko atas 6. Effectiveness of steps in minimizing risks on Bank investments
investasi Bank pada sektor Teknologi Informasi agar investasi in the Information Technology sector so that Bank investments
Bank pada sektor Teknologi Informasi memberikan kontribusi in the Information Technology sector contribute to achieving
terhadap pencapaian tujuan bisnis Bank. the Bank’s business objectives.
7. Pemantauan atas kinerja Teknologi Informasi dan upaya 7. Monitoring Information Technology performance and efforts
peningkatan kinerja Teknologi Informasi. to improve Information Technology performance.
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Management Report
Profil Perusahaan
Company Profile
8. Upaya penyelesaian berbagai masalah terkait Teknologi 8. Efforts to resolve various problems related to Information
Informasi yang tidak dapat diselesaikan oleh unit kerja pengguna Technology that cannot be resolved by the work units of
dan penyelenggara Teknologi Informasi secara efektif, efisien, Information Technology users and providers effectively,
dan tepat waktu. efficiently and on time.
9. Kecukupan dan alokasi sumber daya yang dimiliki Bank. 9. Adequacy and allocation of resources owned by the Bank.
10. Melakukan evaluasi dan persetujuan untuk pelaksanaan proyek 10. Evaluate and approve the implementation of Information
Teknologi Informasi. Technology projects.
Laporan Pelaksanaan Tugas Komite Teknologi Implementation Report of Information Technology
Informasi Committee Activities
Sepanjang tahun 2023, Komite Teknologi Informasi telah Throughout 2023, the Information Technology Committee
melaksanakan berbagai kegiatan termasuk laporan realisasi rencana carried out various activities including reports on the realization
pengembangan, biaya investasi, biaya operasional dan evaluasi of development plans, investment costs, operational costs and
kinerja teknologi informasi. Di samping itu, Komite juga memberikan evaluation of information technology performance. In addition, the
rekomendasi terkait rencana strategis pengembangan teknologi Committee also provided recommendations regarding the Bank’s
informasi Bank di masa depan. strategic plan for developing information technology in the future.
Komite Produk | Product Committee
Komite Produk merupakan Komite Direksi yang bertugas untuk The Product Committee is a Board of Directors Committee
memastikan bahwa produk dan aktivitas baru yang dikembangkan responsible for ensuring that new products and activities developed
Bank sudah sesuai dengan rencana dan strategi Bank serta risiko- by the Bank are in line with the Bank’s plans and strategies as well
risiko yang dihadapi Bank. as the risks faced by the Bank.
Komposisi Komite Produk
Composition of Product Committee
Jabatan di Bank Jabatan Keanggotaan Komite
Position in the Bank Position in the Committee Membership
Direktur Bisnis Ketua
Business Director Chairman
Direktur Digital Anggota
Digital Director Member
Direktur Utama Undangan Tetap
President Director Permanent Invitee
Direktur Risiko, Kepatuhan & Hukum Undangan Tetap
Risk, Compliance & Legal Director Permanent Invitee
Direktur Keuangan, Operasi & Human Capital Undangan Tetap
Finance, Operations & Human Capital Director Permanent Invitee
Compliance & AML CTF Head Anggota Working Committee
Working Committee Member
Internal Audit & Fraud Management Head Anggota Working Committee
Working Committee Member
Enterprise, Operational & Market Risk Head Anggota Working Committee
Working Committee Member
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Sustainability Report 401
Jabatan di Bank Jabatan Keanggotaan Komite
Position in the Bank Position in the Committee Membership
Legal Head Anggota Working Committee
Working Committee Member
Finance & Accounting Head Anggota Working Committee
Working Committee Member
Process Management Head Anggota Working Committee
Working Committee Member
Application Management Head Anggota Working Committee
Working Committee Member
Digital Strategy Head Sekretaris
Secretary
Tugas dan Wewenang Komite Produk Duties and Authorities of the Product Committee
1. Memastikan bahwa Produk atau Aktivitas Baru yang 1. Ensure that the New Products or Activities to be developed
akandikembangkan, sudah sesuai dengan rencana dan strategi are in accordance with the Bank’s plans and strategies as well
Bank serta risiko-risiko yang dihadapi. as the risks faced.
2. Memberikan dan menyetujui Produk atau Aktivitas Baru 2. Provide and approve the proposed New Product or Activity.
yang diajukan.
Laporan Pelaksanaan Tugas Komite Produk Implementation Report of Product Committee
Activities
Sepanjang tahun 2023, Komite Produk telah melaksanakan kegiatan Throughout 2022, the Product Committee carried out activities in
sesuai dengan fungsinya yaitu memastikan pengembangan produk accordance with its function, which is to ensure the development
dan layanan Bank serta aktivitas di dalamnya sudah berjalan sesuai of the Bank’s products and services and the activities therein are in
dengan rencana dan strategi Bank serta sudah mengidentifikasi line with the Bank’s plans and strategies, as well as having identified
risiko-risiko yang dihadapi. the risks faced.
Sekretaris Perusahaan & PMO | Corporate Secretary & PMO
Sekretaris Perusahaan & Program Management Office (“PMO”) The Corporate Secretary & Project Management Office (“PMO”)
merupakan organ pendukung Direksi yang bertanggung jawab is a supporting organ of the Board of Directors responsible for
terhadap pembentukan citra positif Bank serta kegiatan penyampaian creating a positive image of the Bank and the timely and accurate
informasi material Allo Bank secara tepat waktu dan akurat kepada delivery of material information about Allo Bank to all stakeholders.
seluruh pemangku kepentingan. Sekretaris Perusahaan & PMO The Corporate Secretary & PMO is responsible for providing and
bertanggung jawab menyediakan dan menyampaikan informasi disseminating information to the public and for the interest of
kepada masyarakat umum maupun untuk kepentingan investor investors related to the Bank’s performance in a timely, accurate,
yang berhubungan dengan kinerja Bank secara tepat waktu, akurat, and transparent manner, in accordance with the regulations and
dan transparan sesuai ketentuan dan perundang-undangan yang laws applicable to banks and public companies.
berlaku bagi Bank dan sebagai sebuah perusahaan publik.
Dasar Hukum Legal Basis
1. Peraturan OJK No. 55/POJK.03/2016 tentang Penerapan Tata 1. OJK Regulation No. 55/POJK.03/2016 concerning the
Kelola bagi Bank Umum. Implementation of Governance for Commercial Banks.
2. Peraturan OJK No. 35/POJK.04/2014 tentang Sekretaris 2. OJK Regulation No. 35/POJK.04/2014 concerning Corporate
Perusahaan Emiten atau Perusahaan Publik. Secretary of Issuers or Public Companies.
2023 Annual Report & Sustainability Report
Page 404
402 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Pihak yang Mengangkat dan Memberhentikan Authorities Appointing and Dismissing the Corporate
Sekretaris Perusahaan & PMO Secretary & PMO
Sekretaris Perusahaan & PMO bertanggung jawab langsung kepada The Corporate Secretary & PMO is directly responsible to the
Direksi serta diangkat dan diberhentikan atas Keputusan Direksi Board of Directors and is appointed and dismissed based on the
berdasarkan mekanisme internal Bank. Pengangkatan Sekretaris Board of Directors’ decree following the internal mechanism of
Perusahaan & PMO dilakukan dengan mempertimbangkan the Bank. The appointment of the Corporate Secretary & PMO
kemampuan profesional serta integritasnya di masyarakat dan bisnis. takes into account his/her professional capabilities and integrity
in society and business.
Pejabat Sekretaris Perusahaan dan Dasar Corporate Secretary Officer and Appointment Basis
Pengangkatan
Allo Bank melalui Direktur Utama menunjuk Stacey Aryadi Allo Bank, through the President Director, appointed Stacey Aryadi
Suryoputro sebagai Head Sekretaris Perusahaan & PMO sesuai Suryoputro as Head Corporate Secretary & PMO in accordance
dengan Surat Keputusan (SK) PT Allo Bank Indonesia Tbk (“Bank”) with PT Allo Bank Indonesia Tbk (“Bank”) Decree (SK) No. 074/
No. 074/ DIRAB/22 tertanggal 3 Oktober 2022. DIRAB/22 dated October 3, 2022.
Kewarganegaraan Indonesia
Citizenship Indonesia
Usia 47 tahun
Age 47 years old
Kelahiran Jakarta, 28 Agustus 1976
Place of Birth Jakarta August 28, 1976
Domisili DKI Jakarta
Domicile
Stacey Aryadi Suryoputro
Sekretaris Perusahaan & PMO
Corporate Secretary & PMO
Riwayat Pendidikan Masters of Business Administration (MBA) and Bachelor of Science (BSc.) dari Arkansas State
Educational background University (USA)
Masters of Business Administration (MBA) and Bachelor of Science (BSc.) from Arkansas State
University (USA)
Riwayat Pekerjaan • Sekretaris Perusahaan di PT Bank Commonwealth.
Employment history • Head of Strategy and Corporate Communication di PT Bank Ganesha Tbk.
• Corporate Strategy & Marketing Research di PT Bank Permata Tbk.
• Head of Government and Investor Relations di PT Bank Permata Tbk.
• Change Program Management Officer dan Treasury Dealer di PT Bank Lippo Tbk.
• Corporate Secretary at PT Bank Commonwealth,
• Head of Strategy and Corporate Communication at PT Bank Ganesha Tbk,
• Corporate Strategy & Marketing Research at PT Bank Permata Tbk,
• Head of Government and Investor Relations at PT Bank Permata Tbk,
• Change Program Management Officer and Treasury Dealer at PT Bank Lippo Tbk.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris dan Direksi dan Pemegang Saham
Affiliation Relationship Pengendali
No affiliation relationship with members of the Board of Commissioners and Directors and Controlling
Shareholders
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 405
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 403
Tugas dan Tanggung Jawab Sekretaris Perusahaan Duties and Responsibilities of the Corporate
Secretary
1. Mengikuti perkembangan Pasar Modal khususnya peraturan 1. Monitoring the development of the Capital Market, especially
perundang-undangan yang berlaku di bidang Pasar Modal. the applicable laws and regulations in the field of Capital Market.
2. Memberikan masukan kepada Direksi dan Dewan Komisaris 2. Providing input to the Board of Directors and Board of
Emiten atau Perusahaan Publik untuk mematuhi ketentuan Commissioners of the Issuer or Public Company to comply
peraturan perundang-undangan di bidang Pasar Modal. with the provisions of laws and regulations in the field of
Capital Market.
3. Membantu Direksi dan Dewan Komisaris dalam pelaksanaan 3. Assisting the Board of Directors and Board of Commissioners
tata kelola perusahaan yang meliputi: in implementing corporate governance, which includes:
a. Keterbukaan informasi kepada masyarakat, termasuk a. Information disclosure to the public, including the availability
ketersediaan informasi pada Situs Web Emiten atau of information on the Issuer’s or Public Company’s website.
Perusahaan Publik.
b. Penyampaian laporan kepada Otoritas Jasa Keuangan b. Submitting reports to the Financial Services Authority in
secara tepat waktu. a timely manner.
c. Penyelenggaraan dan dokumentasi RUPS. c. Organizing and documenting the GMS.
d. Penyelenggaraan dan dokumentasi rapat Direksi dan/ atau d. Organizing and documenting meetings of the Board of
Dewan Komisaris. Directors and/or the Board of Commissioners.
e. Pelaksanaan program orientasi terhadap perusahaan bagi e. Implementing the company orientation program for the
Direksi dan/atau Dewan Komisaris. Board of Directors and/or the Board of Commissioners.
f. Sebagai penghubung dengan pemegang saham, OJK dan f. Acting as a liaison with shareholders, OJK, and other
pemangku kepentingan lainnya. stakeholders.
Peningkatan Kompetensi Sekretaris Perusahaan & Competency Development of Corporate Secretaries
PMO & PMOs
Program pengembangan kompetensi merupakan bagian dari The competency development program is part of the talent
pengembangan talenta Sekretaris Perusahaan & PMO, khususnya development of the Corporate Secretary & PMO, especially to follow
untuk mengikuti perkembangan isu-isu seputar korporasi dan developments in issues surrounding the corporation and functions
fungsi-fungsi di bawah Sekretaris Perusahaan & PMO. Informasi under the Corporate Secretary & PMO. Information regarding
mengenai peningkatan kompetensi Sekretaris Perusahaan & PMO improving the competency of the Corporate Secretary & PMO
sepanjang tahun 2023 dapat dilihat pada Bab Profil Perusahaan throughout 2023 can be seen in the Company Profile Chapter in
dalam Laporan Tahunan ini. this Annual Report.
Laporan Singkat Pelaksanaan Tugas dan Tanggung Brief Report on the Implementation of Duties and
Jawab Sekretaris Perusahaan & PMO Tahun 2023 Responsibilities of the Corporate Secretary & PMO
for 2023
Sekretaris Perusahaan & PMO telah melaksanakan tugas dan The Corporate Secretary & PMO has carried out his duties and
tanggung jawabnya melalui sejumlah kegiatan, seperti: responsibilities through a number of activities, such as:
1. Menyusun buku Laporan Tahunan dan Laporan 1. Prepare the 2022 Annual Report and Sustainability Report;
Berkelanjutan 2022;
2. Mengorganisasikan dan mendokumentasikan RUPS Tahunan 2. Organize and document the 2022 Annual GMS on May 19,
tahun buku 2022 pada tanggal 19 Mei 2023; 2023;
3. Menyampaikan laporan berkala serta keterbukaan informasi 3. Submit periodic reports and information disclosure to the OJK
kepada OJK dan BEI sesuai dengan ketentuan dan peraturan and IDX in accordance with applicable rules and regulations
yang berlaku terkait Pasar Modal dengan tepat waktu; relating to the Capital Market in a timely manner;
4. Mengorganisasikan rapat Direksi, rapat Dewan Komisaris, 4. Organize Board of Directors meetings, Board of Commissioners
rapat Gabungan Dewan Komisaris dan Direksi, Rapat Komite meetings, Joint Board of Commissioners and Directors
Audit dan Komite Pemantau Risiko serta membuat dan meetings, Audit Committee and Risk Oversight Committee
mengadministrasikan risalah rapat dan daftar hadirnya; meetings as well as preparing and administering minutes of
meetings and attendance lists;
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404 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
5. Mengawasi proses registrasi pemegang saham Perseroan 5. Supervise the Company’s shareholder registration process
yang dilakukan oleh Biro Administrasi Efek yang ditunjuk serta carried out by the appointed Securities Administration Bureau
melaporkan perubahannya kepada Direksi dan regulator; and report changes to the Board of Directors and regulators;
6. Menyusun serta menerapkan berbagai kebijakan dan prosedur 6. Develop and implement various policies and procedures related
terkait komunikasi korporat, transparansi & pengungkapan to corporate communications, transparency & continuous
informasi berkelanjutan dan Tata Kelola Perusahaan yang Baik; information disclosure and good corporate governance;
7. Memperbarui data informasi korporasi yang dimuat dalam situs 7. Update corporate information data contained on the Company’s
web Perseroan, terutama terkait Tata Kelola dan Hubungan website, especially regarding Governance and Investor
Investor (Investor Relation), dalam rangka meningkatkan kualitas Relations, in order to improve the quality and ease of access
serta kemudahan akses keterbukaan informasi Perseroan bagi to Company information disclosure for shareholders, the public
pemegang saham, publik dan seluruh pemangku kepentingan; and all stakeholders;
8. Memberikan informasi terkini kepada Direksi dan Dewan 8. Provide the latest information to the Company’s Directors and
Komisaris Perseroan terkait saham Perseroan serta peraturan- Board of Commissioners regarding the Company’s shares as
peraturan terkait pasar modal yang diterbitkan oleh OJK well as regulations related to the capital market issued by the
dan BEI; OJK and BEI;
9. Menyusun dan mengusulkan rencana kerja Sekretaris 9. Prepare and propose work plans for the Corporate Secretary
Perusahaan & PMO kepada Direksi Perseroan; & PMO to the Company’s Directors;
10. Bekerja sama dengan unit-unit terkait dalam menyelenggarakan 10. Cooperate with related units in organizing orientation programs
program orientasi bagi para anggota Direksi dan Dewan for new members of the Board of Directors and Board
Komisaris baru; of Commissioners;
11. Menyelenggarakan Paparan Publik Tahunan pada tanggal 11. Organize an Annual Public Expose on December 15, 2023, as
15 Desember 2023, serta melakukan dokumentasi yang well as carry out documentation required by applicable rules
dipersyaratkan oleh peraturan dan ketentuan yang berlaku and regulations related to the Capital Market.
terkait Pasar Modal.
Satuan Kerja Audit Internal | Internal Audit Unit
Satuan Kerja audit Internal (SKAI) sebagai third line of defense The Internal Audit Work Unit (SKAI) as the third line of defense has
memiliki tugas dan tanggung jawab menjalankan fungsi audit intern the duties and responsibilities of carrying out the internal audit
di Allo Bank secara berkesinambungan. SKAI bertugas sebagai function at Allo Bank on an ongoing basis. SKAI serves as assurance
penjaminan (assurance) dalam mengevaluasi proses tata kelola, in evaluating governance processes, risk management and the
pengelolaan risiko dan efektivitas pengendalian internal pada semua effectiveness of internal control in all aspects of the Bank’s activities
aspek kegiatan Bank melalui pendekatan berbasis risiko. Selain itu, through a risk-based approach. Apart from that, SKAI also has a
SKAI juga bertugas sebagai fungsi konsultatif untuk memberikan consultative function to provide input on internal control to other
masukan atas pengendalian internal kepada divisi lainnya, seperti divisions, such as providing recommendations or suggestions for
pemberian rekomendasi atau saran perbaikan dalam berbagai improvements in various audits carried out, input on draft policies
pemeriksaan yang dilakukan, masukan atas draft kebijakan atau or procedures, input on Bank initiatives, and others.
prosedur, masukan atas inisiatif Bank, dan lainnya.
Dasar Hukum Legal Bas
1. Peraturan OJK No. 55/POJK.03/2016 tentang Penerapan Tata 1. OJK Regulation No. 55/POJK.03/2016 regarding the
Kelola bagi Bank Umum. Implementation of Governance for Commercial Banks.
2. Peraturan OJK No. 1/POJK.03/2019 tentang Penerapan Fungsi 2. OJK Regulation No. 1/POJK.03/2019 regarding the
Audit Internal pada Bank Umum. Implementation of Internal Audit Function in Commercial Banks.
3. Peraturan OJK No. 56/POJK.04/2015 tentang Pembentukan 3. OJK Regulation No. 56/POJK.04/2015 concerning the
dan Pedoman Penyusunan Piagam Unit Audit Internal. Establishment and Guidelines for the Preparation of Internal
Audit Unit Charter.
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 407
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 405
Pihak yang Mengangkat dan Memberhentikan Appointment and Dismissal of the Head of SKAI
Kepala SKAI
Kepala SKAI diangkat dan diberhentikan oleh Direktur Utama The Head of the SKAI is appointed and dismissed by the President
setelah mendapat persetujuan Dewan Komisaris dengan Director after obtaining approval from the Board of Commissioners,
mempertimbangkan rekomendasi Komite Audit untuk selanjutnya taking into account the recommendations of the Audit Committee,
dilaporkan kepada Otoritas Jasa Keuangan (OJK). and subsequently reported to the Financial Services Authority (OJK).
Struktur dan Kedudukan SKAI Structure and Position of SKAI
Satuan Kerja Audit Internal Allo Bank dipimpin oleh Kepala SKAI Allo Bank’s Internal Audit Work Unit is led by the Head of SKAI
yang bertanggung jawab langsung kepada Direktur Utama dan who reports directly to the President Director and has direct
memiliki akses komunikasi langsung kepada Komite Audit. Kepala communication access to the Audit Committee. The Head of SKAI
SKAI membawahi Audit Non-Digital, Audit Digital, Audit Information oversees Non-Digital Audit, Digital Audit, Information Technology
Technology, dan Fraud Management. Per 31 Desember 2023, SKAI Audit and Fraud Management. As of December 31, 2023, SKAI Allo
Allo Bank beranggotakan 9 (sembilan) orang, termasuk Kepala SKAI. Bank has 9 (nine) members, including the Head of SKAI.
Piagam Audit Internal Internal Audit Charter
Allo Bank telah memiliki Piagam Audit Internal (Internal Audit Allo Bank has an Internal Audit Charter which was established
Charter) yang ditetapkan pada tanggal 1 Desember 2021 yang telah on December 1, 2021 which has been aligned with regulatory
diselaraskan dengan ketentuan regulator, yaitu Peraturan OJK No. 1/ provisions, namely OJK Regulation No. 1/POJK.03/2019 concerning
POJK.03/2019 tentang Penerapan Fungsi Audit Internal pada Bank Implementation of the Internal Audit Function in Commercial Banks.
Umum. Piagam Audit Bank memuat hal-hal penting terkait Audit The Bank’s Audit Charter contains important matters related to
Internal, seperti Visi dan Misi, Definisi Audit Internal, Struktur dan Internal Audit, such as Vision and Mission, Definition of Internal
Kedudukan SKAI, Fungsi dan Ruang Lingkup Tugas, Wewenang, Audit, Structure and Position of SKAI, Function and Scope of
Independensi, Kode Etik, Tanggung Jawab, Akuntabilitas, Standar Duties, Authority, Independence, Code of Ethics, Responsibility,
Profesional Audit Intern, Profesionalisme, Kualitas Assurance dan Accountability, Professional Standards for Internal Audit,
Program Pengembangan. Professionalism, Quality Assurance and Development Program.
Piagam Audit Internal Allo Bank berfungsi sebagai pedoman The Allo Bank Internal Audit Charter functions as a guideline for
pelaksanaan penugasan SKAI untuk memastikan ruang lingkup implementing SKAI assignments to ensure the scope of Internal
kegiatan Audit Internal mencakup seluruh aspek dan kegiatan di Audit activities covers all aspects and activities at the Bank. Apart
Bank. Selain itu, piagam ini juga merupakan salah satu bentuk from that, this charter also represents the Bank’s commitment to
komitmen Bank dalam memenuhi ketentuan yang berlaku, seperti complying with applicable regulations, such as OJK Regulation
Peraturan OJK No. 56/POJK.04/2015 tanggal 23 Desember no. 56/POJK.04/2015 dated December 23, 2015 concerning
2015 tentang Pembentukan dan Pedoman Penyusunan Piagam the Formation and Guidelines for Preparing the Internal Audit
Unit Audit Internal, Peraturan Bank Indonesia No. 01/6/PBI/1999 Unit Charter, Bank Indonesia Regulation no. 01/6/PBI/1999
tanggal 20 September 1999 tentang Penugasan Direktur Kepatuhan dated September 20, 1999 concerning the Assignment of the
(Compliance Director), dan Penerapan Standar Pelaksanaan Fungsi Compliance Director, and the Implementation of Standards for
Audit Internal Bank Umum (SPFAIB) yang kemudian diperbaharui the Implementation of the Internal Audit Function for Commercial
dengan Peraturan Bank Indonesia No. 13/2/PBI/2011 tanggal 12 Banks (SPFAIB), which was later updated with Bank Indonesia
Januari 2011 tentang Pelaksanaan Fungsi Kepatuhan Bank Umum Regulation No. 13/2/PBI/2011 dated January 12, 2011 concerning
sebagai ukuran minimal yang harus dipatuhi oleh Bank sebagai the Implementation of the Compliance Function of Commercial
perusahaan publik, serta untuk memastikan terselenggaranya fungsi Banks as a minimum measure that must be adhered to by the Bank
audit internal Bank yang efektif melalui kesamaan pemahaman dan as public companies, as well as to ensure the implementation of
dukungan komitmen mengenai visi, misi, struktur dan kedudukan, the Bank’s internal audit function effectively through a common
kewenangan, fungsi, tugas, tanggung jawab, independensi, dan understanding and commitment support regarding the vision,
ruang lingkup pekerjaan audit intern Bank, Dewan Komisaris, mission, structure and position, authority, functions, duties,
serta Direksi. responsibilities, independence and scope of work of the Bank’s
internal audit, the Board of Commissioners and the Board
of Directors.
2023 Annual Report & Sustainability Report
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406 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Kepala SKAI dan Dasar Pengangkatan Head of SKAI and Basis for Appointment
Allo Bank melalui Direksi menunjuk Dani Bayu Angkat sebagai Allo Bank, through the Board of Directors, appointed Dani Bayu as
Kepala SKAI berdasarkan Surat Keputusan No. 062/DIRAB/22 Head of SKAI based on Decree No. 062/DIRAB/22 dated August
tanggal 22 Agustus 2022 yang telah disampaikan kepada OJK 22, 2022 which was submitted to OJK via letter No. 150/DIR-BIS-
melalui surat No. 150/DIR-BIS-REG/22 tanggal 30 Agustus 2022. REG/22 dated August 30, 2022.
Kewarganegaraan Indonesia
Citizenship Indonesia
Usia 39 tahun
Age 39 years old
Kelahiran Medan, April 4, 1985
Place of Birth Medan, 4 April 1985
Domisili Bogor, Jawa Barat
Domicile Bogor, West Java
Dani Bayu Angkat
Kepala SKAI
Head of SKAI
Riwayat Pendidikan • Lulus dari Institut Pertanian Bogor pada tahun 2007
Educational background • Melanjutkan pendidikan di Universitas Indonesia dan memperoleh gelar Magister Sains -
Manajemen Perbankan pada tahun 2013.
• Graduated from Bogor Agricultural Institute in 2007 and continued his education at the
University of Indonesia, obtaining a Master of Science degree in Banking Management in
2013.
Riwayat Pekerjaan Dani Bayu Angkat bergabung dengan Allo Bank sebagai Kepala SKAI sejak Agustus 2022.
Employment history Sebelumnya beliau menjabat sebagai Head of Anti Fraud Management & Investigation di QNB
Indonesia sejak September 2021. Beliau memulai kariernya di Bank Danamon Indonesia sebagai
Credit Risk Control (2007-2009), Fraud Prevention (2009-2011) dan QA Manager (2011-2012).
Beliau pernah berkarir di Panin Bank sebagai Audit Team Leader (2012-2017) dan IBS Tower
sebagai Head of Anti Fraud (2017-2020), kemudian berkarier di fintech P2P Akseleran sebagai
Audit Manager (2020-2021).
Dani Bayu Angkat joined Allo Bank as Head of SKAI in August 2022. Previously, he served as
Head of Anti Fraud Management & Investigation at QNB Indonesia since September 2021.
He began his career at Bank Danamon Indonesia as Credit Risk Control (2007- 2009), Fraud
Prevention (2009-2011), and QA Manager (2011-2012). He worked at Panin Bank as Audit Team
Leader (2012-2017) and at IBS Tower as Head of Anti Fraud (2017-2020), then pursued a career
in the fintech P2P Akseleran as Audit Manager (2020-2021).
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris dan Direksi dan Pemegang
Affiliation Relationship Saham Pengendali
No affiliation relationship with members of the Board of Commissioners and Directors and
Controlling Shareholders
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 409
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 407
Tugas dan tanggung jawab Satuan Kerja Audit Duties and Responsibilities of the Internal Audit Un
Internal
Fungsi SKAI adalah memberikan jasa assurance dan consulting The function of the SKAI is to provide independent and objective
yang independen dan objektif guna memberikan nilai tambah dan assurance and consulting services to add value and improve the
perbaikan operasional Bank, antara lain: operational performance of the bank, including:
• Membantu tugas Direktur Utama dan Dewan Komisaris • Assisting the President Director and Board of Commissioners
dalam melakukan pengawasan dengan cara menjabarkan in their oversight role by operationalizing the planning,
secara operasional baik perencanaan, pelaksanaan, maupun implementation, and monitoring of audit results.
pemantauan hasil audit.
• Mengembangkan rencana audit tahunan berbasis risiko • Developing a comprehensive and flexible annual audit plan
yang komprehensif dan memiliki fleksibilitas, dengan based on risk, taking into consideration inputs from the Board
mempertimbangkan masukan dari Dewan Komisaris, Komite of Commissioners, Audit Committee, and External Auditors
Audit, dan Audit Eksternal (regulator). (regulator).
• Memberikan saran perbaikan serta penilaian yang independen • Provide suggestions for improvements as well as independent
dan objektif mengenai kecukupan dan efektivitas sistem and objective assessments regarding the adequacy and
pengendalian internal Bank. effectiveness of the Bank’s internal control system.
• Membantu proses peningkatan kualitas internal control, • Assisting in the process of improving the quality of internal
manajemen risiko dan tata kelola yang berkelanjutan. control, risk management and sustainable governance.
• Melakukan audit investigasi dan berkoordinasi dengan divisi • Conducting investigative audits and coordinate with divisions
dan pihak terkait lainnya. and other related parties.
• Menyampaikan laporan hasil audit dan laporan hasil tindak lanjut • Submitting audit results reports and audit follow-up reports
audit secara berkala kepada Komite Audit dan Manajemen Bank. periodically to the Audit Committee and Bank Management.
Sertifikasi Profesi Professional Certification
Bank berupaya untuk memastikan seluruh Auditor yang dimiliki The Bank strives to ensure that all Auditors have adequate
telah memiliki kualifikasi dan kompetensi yang memadai dalam qualifications and competence in carrying out their functions and
melaksanakan fungsi dan tugasnya. Untuk itu, Allo Bank mendorong duties. For this reason, Allo Bank encourages and facilitates auditors
dan memfasilitasi Auditor untuk mengikuti program sertifikasi to take part in the certification program so that they can ensure
sehingga dapat memastikan kualitas Audit yang optimal sesuai optimal audit quality in accordance with applicable regulations. The
dengan ketentuan yang berlaku. Adapun sertifikasi yang telah certifications held by Allo Bank Auditors until 2023 are presented
dimiliki oleh Auditor Allo Bank hingga tahun 2023 disajikan as follows:
sebagai berikut:
Tabel Sertifikasi Profesi Auditor Perseroan Tahun 2023
Table of the Company’s Auditor Professional Certification for 2023
Sertifikasi
No Total
Certifications
1 Sertifikasi Manajemen Risiko 5
Risk Management Certification
2 ISO 27001:2022 Auditor 1
3 Sertifikasi Kompetensi Auditor 2
Auditor Competency Certification
4 Anti Fraud Management 1
2023 Annual Report & Sustainability Report
Page 410
408 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Peningkatan Kompetensi SKAI Competency Development of SKAI
Selain mengikuti program sertifikasi, Bank juga memfasilitasi In addition to participating in the certification program, the Bank
Auditor Internal untuk mengikuti program pelatihan dan program also facilitates Internal Auditors to take part in training programs and
pengembangan kompetensi lainnya guna memperluas wawasan other competency development programs to broaden their horizons
serta meningkatkan keahlian yang dapat mendukung kegiatan and improve skills that can support the internal audit activities
audit internal yang dilakukan. Informasi mengenai peningkatan carried out. Information regarding improving SKAI competency
kompetensi SKAI sepanjang tahun 2023 dapat dilihat pada Bab throughout 2023 can be seen in the Company Profile Chapter in
Profil Perusahaan dalam Laporan Tahunan ini. this Annual Report.
Laporan Pelaksanaan Tugas SKAI Tahun 2023 SKAI Task Implementation Report for 2023
Per 31 Desember 2023, SKAI telah menyelesaikan 15 (lima belas) As of December 31, 2023, SKAI has completed 15 (fifteen) audit
penugasan audit yang terdiri dari audit reguler maupun audit assignments consisting of regular audits and audits at additional
atas permintaan tambahan dari manajemen. Atas audit yang requests from management. Based on the audits that have been
telah dilakukan, SKAI memberikan 137 rekomendasi, di mana carried out, SKAI provided 137 recommendations, of which 46
46 rekomendasi audit belum jatuh tempo pada 31 Desember audit recommendations are not yet due by December 31, 2023.
2023. Seluruh rekomendasi audit yang telah jatuh tempo telah All audit recommendations that are due have been followed up
ditindaklanjuti dengan tepat waktu. in a timely manner.
Tinjauan dan Hasil Penelitian SKAI atas Efektivitas Review and Results of the SKAI Research on the
Sistem Pengendalian Internal Effectiveness of the Internal Control System
SKAI selaku lini ketiga melakukan pemeriksaan terhadap efektivitas As the third line, SKAI carries out checks on the effectiveness of
sistem pengendalian internal melalui kegiatan audit berbasis risiko the internal control system through risk-based audit activities as
yang tertuang dalam Program Kerja Audit Tahunan 2023 yang telah outlined in the 2023 Annual Audit Work Program which has been
disetujui oleh Direktur Utama dan Dewan Komisaris berdasarkan approved by the President Director and Board of Commissioners
rekomendasi Komite Audit. Berdasarkan hasil pemeriksaan terhadap based on the recommendations of the Audit Committee. Based
efektivitas sistem pengendalian internal Bank, SKAI menyimpulkan on the results of the examination of the effectiveness of the Bank’s
bahwa sistem pengendalian internal Bank telah memadai untuk internal control system, SKAI concluded that the Bank’s internal
memitigasi risiko yang secara signifikan dapat mengganggu control system was adequate to mitigate risks that could significantly
operasional Bank, walaupun masih terdapat beberapa aspek disrupt the Bank’s operations, although there were still several
pengendalian yang perlu ditingkatkan sehingga pengendalian aspects of control that needed to be improved so that internal
internal menjadi lebih efektif dan efisien. control became more effective and efficient.
Rencana Kerja Audit Tahun 2024 The 2024 Audit Work Plan
Rencana Kerja Audit Tahun 2024 disusun dengan The 2024 Audit Work Plan was prepared taking into account Allo
mempertimbangkan strategi dan rencana bisnis Allo Bank di tahun Bank’s strategy and business plans for 2024. The 2024 Audit Work
2024. Rencana Kerja Audit Tahun 2024 menggunakan pendekatan Plan uses a risk-based audit approach with a focus on monitoring
audit berbasis risiko dengan fokus pengawasan seluruh kegiatan all Allo Bank operational activities. To realize its work plan, SKAI will
operasional Allo Bank. Untuk merealisasikan rencana kerjanya, continue to improve auditor competency, develop methodology
SKAI akan terus melakukan peningkatan kompetensi auditor, and optimize audit tools. Based on these considerations, SKAI has
pengembangan metodologi serta optimalisasi alat bantu audit. determined a number of audit work plans for 2024 by planning
Berdasarkan pertimbangan-pertimbangan tersebut, SKAI telah the implementation of 14 (fourteen) audit assignments.
menetapkan sejumlah rencana kerja audit di tahun 2024 dengan
merencanakan pelaksanaan 14 (empat belas) penugasan audit.
Penyimpangan Internal Fraud Internal Fraud Deviations
Sepanjang tahun 2023, Bank tidak memiliki adanya kasus Throughout 2023, the Bank had no cases of internal fraud as
penyimpangan internal fraud sebagaimana yang telah disampaikan reported to the OJK in the Report on the Implementation of
kepada OJK dalam Pelaporan Penerapan Strategi Anti Fraud Anti-Fraud Strategy for Semester I and Semester II of 2023. SKAI
Semester I dan Semester II tahun 2023. SKAI telah melakukan has carried out investigation functions in accordance with the
fungsi investigasi sesuai dengan penerapan strategi anti-fraud serta implementation of anti-fraud strategies and carried out detection
menjalankan fungsi deteksi melalui Whistleblowing System (WBS). functions through Whistleblowing System (WBS).
Laporan Tahunan & Laporan Keberlanjutan 2023
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Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 409
Fungsi Kepatuhan
Compliance Function
Dengan semakin meningkatnya kompleksitas With the increasing complexity of the Bank’s business
kegiatan usaha Bank sejalan dengan perkembangan activities in line with technological developments,
teknologi, globalisasi, dan integrasi pasar keuangan, globalization and financial market integration, the
Bank dihadapkan pada penambahan eksposur risiko Bank is faced with additional risk exposure so that
sehingga diperlukan upaya yang bersifat preventif (ex- preventive (ex-ante) and curative (ex-post) efforts are
ante) maupun kuratif (ex-post) untuk memitigasi risiko needed to mitigate these risks. For this reason, the
tersebut. Untuk itu, Bank membentuk Satuan Kerja Bank established a Compliance Work Unit whose task
Kepatuhan yang bertugas untuk menjalankan fungsi is to carry out compliance functions to ensure that
kepatuhan guna memastikan eksposur risiko dalam risk exposure in the Bank’s business activities can be
kegiatan usaha Bank dapat ditekan melalui tindakan reduced through preventive (ex-ante) actions.
yang bersifat preventif (ex-ante).
Tanggung jawab fungsi kepatuhan Bank berdasarkan The responsibility of the Bank’s compliance function
Peraturan OJK No. 46/POJK.03/2017 tentang is based on OJK Regulation no. 46/POJK.03/2017
Pelaksanaan Fungsi Kepatuhan Bank Umum, antara concerning Implementation of Commercial Bank
lain untuk: Compliance Functions, including:
1. Mewujudkan terlaksananya budaya kepatuhan 1. Ensure the implementation of a compliance
pada semua tingkatan organisasi dan kegiatan culture at all levels of the Bank’s organization and
usaha Bank. business activities.
2. Mengelola risiko kepatuhan yang dihadapi 2. Manage the compliance risks faced by the Bank.
oleh Bank.
3. Memastikan agar kebijakan, ketentuan, sistem, 3. Ensure that the policies, regulations, systems,
dan prosedur serta kegiatan usaha yang dilakukan procedures, and business activities carried out
oleh Bank sesuai dengan ketentuan Otoritas Jasa by the Bank are in accordance with the Financial
Keuangan dan ketentuan peraturan perundang- Services Authority regulations and legal provisions.
undangan.
4. Memastikan kepatuhan Bank terhadap komitmen 4. Ensure the Bank’s compliance with the commitments
yang dibuat oleh Bank kepada OJK dan/atau made by the Bank to the Financial Services Authority
otoritas pengawas lain yang berwenang. and/or other relevant supervisory authorities.
Struktur Fungsi Kepatuhan Compliance Function Structure
Pembentukan Satuan Kerja Kepatuhan selaku pelaksana The establishment of a Compliance Work Unit to
fungsi kepatuhan Bank telah ditetapkan melalui SK implement the Bank’s compliance function has been
Direksi No. 012/DIRAB/24 tanggal 26 Februari 2024 determined through Directors’ Decree No. 012/
tentang Perubahan Struktur Organisasi (Maret 2024) DIRAB/24 dated February 26, 2024 concerning
PT Allo Bank Indonesia Tbk. Satuan Kerja Kepatuhan Changes in Organizational Structure (March 2024) of
bertanggung jawab langsung kepada Direktur yang PT Allo Bank Indonesia Tbk. The Compliance Work Unit
membawahkan fungsi kepatuhan. Penunjukan dan is directly responsible to the Director who is in charge
pengangkatan Direktur yang membawahkan fungsi of the compliance function. The appointment and
kepatuhan telah memenuhi persyaratan yang berlaku appointment of the Director in charge of the compliance
dan dilaksanakan melalui proses sebagaimana function has met the applicable requirements and
ditentukan oleh OJK. is carried out through a process as determined by
the OJK.
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2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Struktur Organisasi Fungsi Kepatuhan
Compliance Function Organizational Structure
Risk, Compliance & Legal Director
Compliance & AML CTF Head
Compliance Advisory Anti Money Laundering Lead Compliance Monitoring & Testing
Anti Money Laundering Specialist
Tugas dan Tanggung Jawab Fungsi Kepatuhan Duties and Responsibilities of the Compliance
Function
1. Mewujudkan terlaksananya budaya kepatuhan pada semua 1. Establish a compliance culture at all levels of the organization
tingkatan organisasi dan kegiatan usaha Bank. and the Bank’s business activities.
2. Mengelola risiko kepatuhan yang dihadapi oleh Bank. 2. Manage compliance risks faced by the Bank.
3. Memastikan agar kebijakan, ketentuan, sistem, dan prosedur 3. Ensure that the policies, regulations, systems, and procedures,
serta kegiatan usaha yang dilakukan oleh Bank telah sesuai as well as the business activities conducted by the Bank,
dengan ketentuan Otoritas Jasa Keuangan dan ketentuan comply with the Financial Services Authority regulations and
peraturan perundang-undangan. the provisions of laws and regulations.
4. Memastikan kepatuhan Bank terhadap komitmen yang dibuat 4. Ensure the Bank’s compliance with commitments made by the
oleh Bank kepada Otoritas Jasa Keuangan dan/atau otoritas Bank to the Financial Services Authority and/or other authorized
pengawas lain yang berwenang. supervisory authorities.
5. Mengkoordinasi penerapan program Anti Pencucian Uang, 5. Coordinate the implementation Anti Money Laundering,
Pencegahan Pendanaan Terorisme dan Pencegahan Pendanaan Counter-Terrorist Financing and Counter-Proliferation
Proliferasi Senjata Pemusnah Massal (APU, PPT, dan PPPSPM), Financing of Weapons of Mass Destruction program, including
termasuk di dalamnya bertanggung jawab untuk melakukan being responsible for conducting risk assessments for the
penilaian risiko penerapan program APU, PPT, dan PPPSPM implementation of the AML-CTF & CPF programs in accordance
sesuai ketentuan dari regulator. with the provisions of the regulator.
Pelaksanaan Kegiatan di Tahun 2023 Implementation of Activities in 2023
Pada tahun 2023, fungsi kepatuhan telah melaksanakan tugasnya In 2023, the compliance function carried out its duties through a
melalui sejumlah kegiatan, seperti: number of activities, such as:
1. Melakukan Sosialisasi ketentuan yang diterbitkan oleh Regulator. 1. Disseminate the provisions issued by the Regulator.
2. Melakukan Compliance Campaign secara tatap muka dan online. 2. Conduct Compliance Campaigns face to face and online.
3. Melakukan kegiatan Compliance Awareness melalui sarana 3. Carry out Compliance Awareness activities via e-mail.
e-mail.
4. Mensirkulasikan setiap ketentuan baru dari Regulator (OJK, Bank 4. Circulate any new provisions from Regulators (OJK, Bank
Indonesia, PPATK, dan peraturan perundang-undangan lainnya Indonesia, PPATK, and other applicable laws and regulations)
yang berlaku) secara berkala ke semua jenjang organisasi periodically to all levels of the organization so that the Bank is
sehingga Bank selalu update dengan ketentuan baru. always updated with new provisions
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Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 411
Akuntan Publik
Public Accountant
Kepatuhan terhadap Standar Akuntansi Keuangan Compliance with Indonesian Financial Accounting
Indonesia Standards
Akuntan publik merupakan organ eksternal Bank yang berfungsi Public accountants are external organs of the Bank that function
sebagai pengawas independen terhadap aspek keuangan as independent supervisors of the company’s financial aspects and
perusahaan serta memberikan opini terkait kesesuaian penyajian provide opinions regarding the suitability of the presentation of
laporan keuangan Bank terhadap Standar Akuntansi Keuangan the Bank’s financial reports to the Financial Accounting Standards
(SAK) yang berlaku di Indonesia. (SAK) that apply in Indonesia.
Mekanisme Penunjukan Akuntan Publik Public Accountant Appointment Mechanism
Berdasarkan keputusan RUPS Tahunan, Dewan Komisaris Bank Based on the decision of the Annual GMS, the Bank’s Board
telah menyetujui penunjukan Kantor Akuntan Publik Amir Abadi of Commissioners has approved the appointment of the Public
Jusuf, Aryanto, Mawar & Rekan (RSM Indonesia) untuk melakukan Accounting Firm Amir Abadi Jusuf, Aryanto, Mawar & Rekan
pekerjaan mengaudit Laporan Keuangan Bank tahun buku yang (RSM Indonesia) to carry out the work of auditing the Bank’s
berakhir pada tanggal 31 Desember 2023. Penunjukan Kantor Financial Statements for the fiscal year ending December
Akuntan Publik tersebut berdasarkan rekomendasi Komite Audit, 31, 2023. The appointment of the Public Accounting Firm is
di mana proses pemilihannya dilakukan sesuai dengan mekanisme based on recommendations of the Audit Committee, where the
pengadaan barang dan jasa yang berlaku. Untuk menjamin selection process is carried out in accordance with the applicable
independensi dan kualitas hasil pemeriksaan, Auditor Eksternal procurement mechanism for goods and services. To ensure the
yang ditunjuk tidak memiliki benturan kepentingan dengan Bank. independence and quality of audit results, the appointed External
Auditor has no conflict of interest with the Bank.
Daftar Akuntan Publik 5 Tahun Terakhir dan Biayanya
List of Public Accountants for the Last 5 Years and Their Fees
Tahun Kantor Akuntan Publik Akuntan Publik Biaya (Rp)
Years Public accounting firm Public Accountant Cost (IDR)
2023 KAP Amir Abadi Jusuf, Aryanto, Mawar & Rekan Bimo Iman Santoso, S.E., Ak., CPA 950.000.000,-
(RSM Indonesia)
2022 KAP Kosasih, Nurdiyaman, Mulyadi, Tjahjo dan Rekan Mulyadi 480.000.000,-
(Anggota Crowe Global)
2021 KAP Kosasih, Nurdiyaman, Mulyadi, Tjahjo dan Rekan Mulyadi 352.000.000,-
(Anggota Crowe Global)
2020 KAP Kosasih, Nurdiyaman, Mulyadi, Tjahjo dan Rekan Mulyadi 320.000.000,-
(Anggota Crowe Global)
2019 Gani Sigiro & Handayani Tagor Sidik Sigiro, CPA 305.000.000,-
(Anggota Grant Thornton)
Jasa Lain yang Diberikan Other Services Provided
Di tahun 2023, tidak terdapat jasa lain yang diberikan oleh In 2023, there were no other services provided by Public Accountants.
Akuntan Publik.
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2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Manajemen Risiko
Manajemen Risiko
Bank menyadari sepenuhnya bahwa risiko merupakan bagian yang The Bank fully understands that risk is an inseparable part of the
tak terpisahkan dari proses organisasi, sehingga pengelolaan risiko organizational process, making risk management the responsibility
menjadi tanggung jawab manajemen dalam memastikan tercapainya of management in ensuring the achievement of organizational goals.
sasaran organisasi. Menindaklanjuti hal ini, maka internalisasi proses Following up on this, the internalization of the risk management
manajemen risiko di Bank akan melekat pada setiap aktivitas yang process in the Bank will be embedded in every activity carried
dilakukan oleh Bank. Bank senantiasa menerapkan manajemen out by the Bank. The Bank consistently applies integrated and
risiko terpadu dan komprehensif sehingga mampu mendukung comprehensive risk management to support the achievement of
pencapaian target kinerja dan menjaga kelangsungan usaha. performance targets and maintain business continuity.
Bank meyakini bahwa strategi manajemen risiko yang proaktif The Bank believes that a proactive risk management strategy can
dapat meningkatkan efektivitas penggunaan modal dan tingkat improve the effectiveness of capital utilization and the level of equity
pengembalian modal sehingga dapat memberikan nilai tambah return thereby providing added value for shareholders. The Bank
bagi pemegang saham. Bank juga memperhatikan cakupan also pays attention to the scope of assessing the implementation
penilaian penerapan manajemen risiko melalui profil risiko Bank, of risk management through the Bank’s risk profile, including the
baik penilaian inherent risk maupun penilaian kualitas penerapan assessment of inherent risk and the assessment of the quality of
manajemen risiko serta menyesuaikan setiap indikator penilaian risk management implementation, and adjusts each assessment
sesuai dengan peraturan yang baru dengan menggunakan konsep indicator according to new regulations using the Risk Based Bank
Risk Based Bank Rating (RBBR). Rating (RBBR) concept.
Mekanisme pengelolaan risiko secara day to day dengan berdasarkan The day-to-day risk management mechanism based on the
prinsip kehati-hatian telah dituangkan dalam beberapa kebijakan principle of prudence has been outlined in several policies and
dan prosedur, yang merupakan aturan acuan dalam implementasi procedures, which serve as reference rules in the implementation of
manajemen risiko pada seluruh kegiatan bisnis Bank yang meliputi risk management in all the Bank’s business activities. These include
kebijakan, strategi, organisasi, sistem informasi manajemen risiko, policies, strategies, organization, risk management information
pengawasan risiko, pengelolaan produk, aktivitas baru dan systems, risk supervision, product management, new activities,
Business Continuity Plan (BCP). Untuk menjamin tercapainya praktik and Business Continuity Plan (BCP). To ensure the achievement
manajemen risiko yang baik pada Bank, Komite Pemantau Risiko of good risk management practices in the Bank, the contributions
dan Komite Audit berkontribusi dalam mendukung pelaksanaan of the Risk Oversight Committee and the Audit Committee are
tugas Dewan Komisaris. Komite Pemantau Risiko memiliki tanggung considered adequate in supporting the execution of the Board
jawab dalam pemantauan dan evaluasi pelaksanaan manajemen of Commissioners’ duties. The Risk Oversight Committee is
risiko di Bank, sedangkan Komite Audit bertanggung jawab dalam responsible for monitoring and evaluating the implementation
pemantauan dan evaluasi pelaksanaan audit, pengendalian proses of risk management in the Bank, while the Audit Committee is
internal dan pelaporan keuangan. responsible for monitoring and evaluating the implementation of
audits, internal process controls, and financial reporting.
Gambaran Umum Manajemen Risiko General Overview of Risk Management
Untuk mencapai tujuan di atas dan sejalan dengan Peraturan To achieve the above objectives and in line with the Financial
Otoritas Jasa Keuangan No. 18/POJK.03/2016 tanggal 16 Maret Services Authority Regulation No. 18/POJK.03/2016 dated March 16,
2016 tentang Penerapan Manajemen Risiko bagi Bank Umum, 2016, on the Implementation of Risk Management for Commercial
perlu dibangun kesadaran dan budaya manajemen risiko terpadu Banks, it is necessary to raise awareness and an integrated risk
(integrated risk culture). Fokus Penerapan manajemen risiko terutama management culture. The focus of risk management implementation
difokuskan pada efektivitas penerapan tata kelola dan kerangka is primarily on the effectiveness of governance and risk management
kerja manajemen risiko. framework implementation.
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Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 413
Kerangka Manajemen Risiko Risk Management Framework
Kerangka kerja manajemen risiko Bank menetapkan pendekatan The Bank’s risk management framework establishes a risk
pengelolaan risiko dan kerangka pengendalian di mana risiko management approach and control framework in which risks
dikelola untuk mendapatkan keseimbangan antara risiko (risk) dan are managed to achieve a balance between risk and return. The
pendapatan (return). Penerapan kerangka kerja manajemen risiko implementation of the risk management framework is carried
dilakukan melalui perumusan tingkat risiko yang akan diambil (risk out through the formulation of the level of risk to be taken (risk
appetite), dan toleransi risiko (risk tolerance) bagi setiap jenis risiko, appetite) and risk tolerance for each type of risk, the development
pengembangan kebijakan dan prosedur manajemen risiko yang of appropriate risk management policies and procedures, and
berkesesuaian serta pengembangan struktur pengendalian internal the development of an integrated internal control structure. In
secara terpadu. Selain itu, Bank juga membangun budaya risiko addition, the Bank also builds a risk culture that emphasizes the
yang menitikberatkan kesadaran seluruh pegawai akan risiko dan awareness of all employees of the risks and the effectiveness of
efektivitas proses manajemen risiko. the risk management process.
Penerapan manajemen risiko di Allo Bank mengacu pada empat The implementation of risk management at Allo Bank refers to the
pilar manajemen risiko, yaitu: four pillars of risk management, namely:
1. Pengawasan aktif Dewan Komisaris dan Direksi. 1. Active supervision by the Board of Commissioners and Directors.
2. Kecukupan kebijakan, prosedur, dan penetapan limit 2. Adequacy of risk management policies, procedures, and limits.
manajemen risiko.
3. Kecukupan proses identifikasi, pengukuran, pemantauan, dan 3. Adequacy of risk identification, measurement, monitoring,
pengendalian Risiko serta sistem informasi manajemen risiko. and control processes, as well as risk management
information systems.
4. Sistem pengendalian internal yang menyeluruh. 4. A comprehensive internal control system.
Penerapan manajemen risiko Allo Bank juga berpedoman pada Allo Bank’s risk management implementation is also guided by
dokumen-dokumen dari Basel Committee on Banking Supervision. documents from the Basel Committee on Banking Supervision.
Struktur Organisasi dan Tata Kelola Organizational Structure and Governance
Tata kelola manajemen risiko di Allo Bank dilakukan melalui Risk management governance at Allo Bank is carried out through the
pembentukan Komite Manajemen Risiko dan Komite Asset Liability establishment of a Risk Management Committee and Asset Liability
(ALCO) pada tingkat Direksi serta Komite Pemantau Risiko pada Committee (ALCO) at the Board of Directors level, as well as the Risk
tingkat Dewan Komisaris. Komite Pemantau Risiko bertanggung Oversight Committee at the Board of Commissioners level. The Risk
jawab untuk mengevaluasi keakuratan kebijakan manajemen risiko Oversight Committee is responsible for evaluating the accuracy of
dan implementasinya, memantau serta mengevaluasi kinerja dari risk management policies and their implementation, monitoring and
Komite Manajemen Risiko dan Satuan Kerja Manajemen Risiko. evaluating the performance of the Risk Management Committee
Komite Manajemen Risiko menetapkan strategi, kebijakan, dan and Risk Management Unit. The Risk Management Committee sets
prosedur manajemen risiko, serta memantau implementasinya, risk management strategies, policies, and procedures, monitors
mengembangkan budaya pengelolaan risiko, dan memastikan their implementation, develops risk management culture, and
sumber daya yang memadai telah dikembangkan untuk memastikan ensures that adequate resources have been developed to ensure
pengelolaan risiko di Allo Bank. ALCO bertanggung jawab untuk risk management at Allo Bank. ALCO is responsible for managing
mengelola modal dan menetapkan kebijakan terkait dengan capital and setting policies related to balance sheet management
pengelolaan neraca dan kepatuhan terhadapnya, termasuk di and compliance with it. This includes liquidity risk management,
dalamnya manajemen risiko likuiditas, kecukupan modal, dan capital adequacy, and interest rate risk.
risiko suku bunga.
Jenis Risiko Types of Risk
Sesuai peraturan POJK No. 18/POJK.03/2016 dan SEOJK No. 34/ In accordance with POJK No. 18/POJK.03/2016 and SEOJK
SEOJK.03/2016 tentang Penerapan Manajemen Risiko Bagi Bank No. 34/SEOJK.03/2016 concerning the Implementation of Risk
Umum, Allo Bank mengelola risiko berdasarkan aktivitas fungsional Management for Commercial Banks, Allo Bank manages risks
bank yang terdiri dari: based on the functional activities of the bank, which consist of:
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2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Risiko Kredit Credit Risk
Risiko Kredit adalah risiko yang timbul sebagai akibat kegagalan Credit Risk is the risk that arises as a result of the counterparty’s
counterparty memenuhi liabilitasnya. Bank melakukan pengelolaan failure to fulfill its obligations. The Bank manages credit risk by
risiko kredit dengan menyusun strategi dan kerangka kerja serta developing strategies and frameworks as well as carrying out risk
menjalankan upaya mitigasi risiko atas aspek bisnis perkreditan mitigation efforts for aspects of the micro, retail, commercial and
mikro, retail, komersial, maupun konsumsi, penempatan antar-bank consumer credit business, inter-bank placements and securities
serta pembelian surat berharga. Bank memiliki aktivitas perkreditan purchases. The Bank has credit activities through digital credit
melalui model bisnis kredit digital, seperti Paylater dan Instant Cash. business models, such as Paylater and Instant Cash. The Bank
Bank menerapkan proses risk management mulai dari identifikasi, implements a risk management process starting from identification,
pengukuran, pemantauan hingga pengendalian risiko kredit untuk measurement, monitoring to controlling credit risk so that it can
dapat dikelola dengan tepat dan efektif. be managed appropriately and effectively.
Bank menyadari bahwa dengan mengubah model bisnis menjadi The Bank realizes that by changing its business model to digital,
digital, risiko yang melekat pada aktivitas perkreditan yang berbasis the risks inherent in credit activities based on digital platforms will
platform digital akan timbul, mulai dari akses calon debitur yang arise, starting from wider access to potential debtors because they
lebih luas karena dapat diakses oleh calon debitur kapanpun dan can be accessed by potential debtors anytime and anywhere. Apart
dimanapun. Selain itu platform digital membutuhkan verifikasi from that, digital platforms require more accurate verification of
calon debitur dan dokumen persyaratan yang lebih akurat akibat potential debtors and required documents due to the absence of
tidak adanya tatap muka langsung dengan calon debitur dan tanpa face-to-face contact with potential debtors and no submission of
penyerahan dokumentasi fisik. physical documentation.
Untuk menjaga agar kualitas kredit Bank tetap terjaga dengan baik, To ensure that the Bank’s credit quality is well maintained,
maka pemantauan terhadap kualitas kredit terus dilakukan secara monitoring of credit quality continues to be carried out regularly,
rutin, baik per kategori kredit maupun portofolio kredit secara both per credit category and the credit portfolio as a whole. Debtor
keseluruhan. Sistem pengukuran profil risiko debitur, prosedur, risk profile measurement systems, procedures, risk management
sistem manajemen risiko, sistem database dan organisasi perkreditan systems, database systems and credit organizations continue to be
terus disempurnakan dengan penekanan kepada penerapan prinsip refined with an emphasis on implementing the “four eyes principle”
“empat mata” (four eyes principle) dimana keputusan kredit diambil where credit decisions are taken based on considerations from
berdasarkan pertimbangan dari dua sisi, yaitu sisi pengembangan two sides, namely the business development side and the analysis
bisnis dan sisi analisis risiko kredit. side. credit risk.
Risiko Pasar Market Risk
Risiko pasar (market risk) merupakan risiko yang timbul dari Market risk is a risk that arises from the portfolio owned by the Bank
portofolio yang dimiliki oleh Bank karena adanya pergerakan due to movements in market variables (adverse movements) which
variabel pasar (adverse movement) yang berpotensi merugikan have the potential to harm the Bank. Market risk itself is divided into
Bank. Risiko pasar sendiri dibagi menjadi 2 (dua), yakni risiko suku 2 (two), namely interest rate risk and exchange rate risk. In general,
bunga dan risiko nilai tukar. Secara umum, langkah-langkah dan the steps and plans taken to anticipate market risks for transactions
rencana yang dilakukan untuk mengantisipasi risiko pasar atas related to exchange rate and interest rate risks are by determining
transaksi yang terkait dengan risiko nilai tukar dan suku bunga and controlling market risk limits such as VaR Limits, Nominal Limits
adalah dengan melakukan penetapan dan kontrol limit risiko pasar and Stop Loss Limits as well as conducting stress tests to measure
seperti Limit VaR, Limit Nominal dan Limit Stop Loss serta melakukan risk. Market risk management as a digital-based commercial bank
stress test dalam mengukur risiko. Pengelolaan risiko pasar sebagai will also remain guided by sound market risk management.
Bank umum berbasis digital juga akan tetap berpedoman dalam
pengelolaan risiko pasar yang sehat.
Risiko Likuiditas Liquidity Risk
Risiko likuiditas muncul sebagai akibat dari mismatch struktur Liquidity risk arises as a result of the mismatch in the structure of
aset dan liabilitas Bank. Bank mengelola risiko likuiditas untuk the Bank’s assets and liabilities. The Bank manages liquidity risk to
memastikan kemampuan dalam memenuhi liabilitas kepada ensure the ability to fulfill obligations to customers or counterparties
nasabah atau counterparty yang jatuh tempo dengan menjaga dan that are due by safeguarding and maintaining sufficient liquid
mempertahankan jumlah aset likuid yang cukup untuk membayar assets to pay customer deposits, provide funds for providing credit,
simpanan para nasabah, penyediaan dana dalam rangka pemberian fulfill operational liquidity needs and guard against the amount of
kredit, pemenuhan kebutuhan likuiditas operasional dan menjaga assets that the maturity date in each period can cover the amount
agar jumlah aset yang jatuh tempo pada setiap periode dapat of liabilities that are due. The Bank will continue to improve and
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menutupi jumlah liabilitas yang jatuh tempo. Bank akan terus develop effective and efficient liquidity risk management to manage
meningkatkan dan mengembangkan manajemen risiko likuiditas and control the consequences of bank activities.
yang efektif dan efisien untuk mengelola serta mengendalikan
akibat dari aktivitas bank.
Bank senantiasa mengidentifikasi dan memantau faktor utama The Bank always identifies and monitors the main factors that
yang mempengaruhi kemampuan Bank untuk memperoleh dana, influence the Bank’s ability to obtain funds, including identifying
termasuk mengidentifikasi dan memantau alternatif pendanaan and monitoring funding alternatives that can strengthen its capacity
yang dapat memperkuat kapasitasnya untuk bertahan pada kondisi to survive crisis conditions, including:
krisis antara lain:
• Memenuhi primary reserve yang menjadi kewajiban untuk • Fulfill primary reserve which is an obligation to fulfill internal
memenuhi persyaratan internal maupun eksternal; and external requirements;
• Memelihara secondary reserve dalam bentuk Surat Berharga • Maintain secondary reserves in the form of Securities and
dan antar Bank Aktiva dalam rangka memenuhi kebutuhan inter-bank assets in order to meet daily operational needs
operasional harian dan memenuhi kebutuhan tak terduga, and meet unexpected needs, such as withdrawals of large
seperti adanya penarikan uang dalam jumlah besar; amounts of money;
• Strategi suku bunga, alternatif investasi bagi pemilik dana, • Interest rate strategies, investment alternatives for fund owners,
perubahan perilaku nasabah, perubahan nilai tukar dan selisih changes in customer behavior, changes in exchange rates and
suku bunga yang ditawarkan oleh bank bank pesaing utama interest rate differences offered by major competing banks or
atau hal lain yang mempengaruhi perubahan struktur dana, other things that influence changes in fund structure, fund
volatilitas dana, serta core funds dipantau secara berkala; volatility and core funds are monitored regularly;
• Melakukan perhitungan dan pemantauan proyeksi cashflow • Calculating and monitoring cash flow projections and the
dan profil maturitas Bank serta melakukan pengendalian agar Bank’s maturity profile and carrying out controls so that they
tetap terjaga sesuai appetite manajemen; are maintained in line with management appetite;
• Tetap mempertahankan core deposan pada level atau • Maintain core depositors at a certain level or percentage and
persentase tertentu dan mengupayakan penyebaran jangka strive to spread the placement period for third party funds
waktu penempatan dana pihak ketiga sehingga tidak so that they are not concentrated at one maturity point; And
terkonsentrasi pada satu titik jatuh tempo; dan
• Mengupayakan pendanaan berbiaya rendah melalui program • S e e k l ow- c o s t f u n d i n g t h rou g h m a r ke t i n g a n d
pemasaran maupun segmentasi. segmentation programs.
Risiko Operasional Operational Risk
Risiko operasional adalah risiko yang disebabkan adanya Operational risk is a risk caused by inadequacy and/or non-
ketidakcukupan dan/atau tidak berfungsinya proses internal functioning of internal processes (policies, systems and procedures),
(kebijakan, sistem dan prosedur), kesalahan sistem, kesalahan system errors, human error, or external problems that affect the
manusia, atau adanya problem eksternal yang mempengaruhi Bank’s operations. To minimize operational risk in each functional
operasional Bank. Untuk meminimalisasi risiko operasional pada activity, the Bank develops policies and procedures as well as setting
setiap aktivitas fungsional, maka Bank menyusun kebijakan dan limits aimed at intensively monitoring operational risk losses in all
prosedur serta penetapan limit yang ditujukan untuk memantau aspects of the Bank’s operations.
secara intensif kerugian risiko operasional pada seluruh aspek
operasional Bank.
Dalam melakukan pengelolaan risiko operasional, Bank menerapkan In managing operational risk, the Bank applies a methodology to
metodologi untuk mengidentifikasi dan mengukur risiko operasional. identify and measure operational risk. This methodology is used to
Metodologi ini digunakan untuk mengukur penerapan kontrol measure the implementation of controls on the main risks that have
terhadap risiko-risiko utama yang telah diidentifikasi sebelumnya, been previously identified, so as to identify these risks early, so that
sehingga dapat mengidentifikasi risiko tersebut secara dini, sehingga necessary controls can be immediately improved. To support the
dapat segera memperbaiki kontrol yang diperlukan. Sebagai operational risk mitigation and control process, the Bank always
penunjang proses mitigasi dan pengendalian risiko operasional, carries out:
Bank senantiasa melakukan:
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• Menggunakan sistem APU PPT & PPPSPM untuk memitigasi • Using the AML-CTF & CPF system to mitigate risks resulting
risiko akibat transaksi pencucian uang dan pendanaan terorisme; from money laundering and terrorism financing transactions;
• Melakukan uji coba kelangsungan operasional bisnis dalam • Conducting business operational continuity trials in Business
Business Continuity Management (BCM) yang mencakup Continuity Management (BCM) which includes Emergency
Emergency Response Plan (ERP), Crisis Management Plan Response Plan (ERP), Crisis Management Plan (CMP), Disaster
(CMP), Disaster Recovery Plan (DRP) dan Business Continuity Recovery Plan (DRP) and Business Continuity Plan (BCP); And
Plan (BCP); dan
• Penanganan atas pengaduan nasabah yang lebih profesional • More professional handling of customer complaints with the
dengan tersedianya problem handling (help desk). availability of problem handling (help desk).
Risiko Strategis Strategic Risk
Risiko strategis adalah risiko antara lain disebabkan adanya Strategic risk is the risk arising, among other things, from the
penetapan dan pelaksanaan strategi Bank yang tidak tepat, establishment and implementation of inadequate Bank strategies,
pengambilan keputusan rencana bisnis yang tidak tetap atau kurang unstable or indecisive business plan decisionmaking, or the
responsifnya Bank terhadap perubahan eksternal. Pengelolaan Bank’s insufficient responsiveness to external changes. Strategic
risiko strategis melalui proses pertimbangan dan pengambilan risk management involves the collective and comprehensive
keputusan setiap kebijakan secara kolektif dan komprehensif oleh consideration and decision-making of each policy by the Board
Direksi dan Komite-komite yang telah dibentuk serta memantau of Directors and established Committees, monitoring the realization
realisasi rencana strategis dengan membandingkan target yang of strategic plans by comparing the targets to be achieved,
akan dicapai dan memastikan bahwa risiko yang akan diambil and ensuring that the risks taken are still within acceptable
masih dalam batas toleransi. tolerance limits.
Seiring dengan strategi Bank yang menggunakan model bisnis In line with the Bank’s strategy of using a digital business model,
digital, maka Bank mengelola kesesuaian strategi tersebut sesuai the Bank manages the suitability of this strategy according to the
dengan lingkungan bisnis yang ada. Bank juga mengukur tingkat existing business environment. The Bank also measures the level
persaingan dan posisi bisnis Bank dalam formulasi strategi of competition and the Bank’s business position in the formulation
bisnis, serta pencapaian rencana bisnis terhadap realisasi kinerja of business strategies, as well as the achievement of business plans
yang dicapai. against the realization of the performance achieved.
Risiko Reputasi Reputation Risk
Risiko reputasi adalah risiko yang antara lain disebabkan oleh Reputation risk is a risk caused, among other things, by negative
adanya publikasi negatif yang terkait dengan kegiatan usaha Bank publications related to the Bank’s business activities or negative
atau persepsi negatif terhadap Bank. Identifikasi risiko reputasi perceptions of the Bank. Identification of reputation risk is carried
dilakukan pada faktor-faktor risiko yang melekat pada aktivitas out on risk factors inherent in functional activities which include
fungsional yang mencakup keterbukaan (disclosure requirement), disclosure requirements, customer complaints regarding Bank
keluhan nasabah terhadap pelayanan Bank, perilaku karyawan services, behavior of Bank employees in serving customers and
Bank dalam melayani nasabah dan sistem komunikasi Bank serta the Bank’s communication system as well as all banking activities.
seluruh aktivitas perbankan.
Sebagai salah satu entitas anak di bawah CT Corpora melalui As a subsidiary under CT Corpora through Mega Corpora, the
Mega Corpora, Bank percaya bahwa hal ini dapat meningkatkan Bank believes that this can improve its reputation in the banking
reputasinya dalam industri perbankan. Meskipun demikian, industry. However, product and business complexity can increase
kompleksitas produk dan bisnis dapat meningkatkan potensi risiko the potential risks that exist due to digital business models that
yang ada karena model bisnis digital yang meningkatkan frekuensi increase the frequency of digital interactions with customers. The
interaksi digital dengan nasabah. Bank juga memastikan adanya Bank also ensures customer protection by identifying, preparing
perlindungan nasabah dengan melakukan identifikasi, menyiapkan and ensuring communication readiness with customers so as not
dan memastikan kesiapan komunikasi kepada para nasabah agar to have a negative impact on customers which has the potential
tidak menimbulkan dampak negatif bagi nasabah yang berpotensi to become negative news. In addition, the Bank is proactive in
menjadi pemberitaan negatif. Selain itu, Bank bersikap proaktif handling complaints received by knowing the root cause of the
terkait dengan penanganan komplain yang diterima dengan problem and formulating appropriate solutions in following up on
mengetahui root cause permasalahan dan merumuskan solusi customer complaints.
yang tepat dalam menindaklanjuti keluhan nasabah.
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Risiko Hukum Legal Risk
Risiko hukum adalah risiko yang disebabkan oleh adanya kelemahan Legal risk is a risk caused by weaknesses in the juridical aspect,
aspek yuridis, yang antara lain berupa tuntutan hukum, ketiadaan which include, among other things, legal claims, the absence of
peraturan perundang-undangan yang mendukung atau kelemahan supporting legislation or weaknesses in the agreement such as non-
perikatan seperti tidak terpenuhinya syarat sah kontrak dan fulfillment of legal contract requirements and incomplete binding of
pengikatan agunan yang tidak sempurna. Faktor risiko hukum collateral. Legal risk factors are also in line with the Bank’s business
juga sejalan dengan rencana pengembangan bisnis Bank. Bank development plans. The Bank will identify, measure and control
akan melakukan identifikasi, mengukur dan mengendalikan risiko legal risks arising from bank operations in the digital business model
hukum yang timbul dari operasional bank dalam model bisnis digital as well as legal risks inherent in plans for collaboration/synergy
serta risiko hukum yang melekat dengan rencana kerjasama/sinergi with other companies, both within the CT Corpora ecosystem and
dengan perusahaan lain, baik dalam ekosistem CT Corpora maupun collaboration with other third-party companies.
kerja sama dengan perusahaan pihak ketiga lainnya.
Bank mengelola risiko hukum dengan memastikan seluruh aktivitas The Bank manages legal risk by ensuring that all of the Bank’s
dan hubungan kegiatan usaha Bank dengan pihak ketiga didasarkan business activities and relationships with third parties are based on
pada aturan dan persyaratan yang dapat melindungi kepentingan rules and requirements that can protect the Bank’s interests from
Bank dari segi hukum melalui: a legal perspective through:
• Peninjauan secara berkala dengan memastikan seluruh • Periodic reviews to ensure that all Bank business activities
aktivitas dan hubungan kegiatan usaha Bank dengan pihak and relationships with third parties are based on rules and
ketiga didasarkan pada aturan dan persyaratan yang dapat requirements that can protect the Bank’s interests from a
melindungi kepentingan Bank dari segi hukum; legal perspective;
• Pengembangan budaya kepatuhan dan kepedulian terhadap • Developing a culture of compliance and awareness of legal
risiko hukum kepada seluruh pegawai pada setiap jenjang risks for all employees at every level of the organization on an
organisasi secara berkelanjutan. ongoing basis.
Risiko Kepatuhan Compliance Risk
Risiko kepatuhan merupakan risiko yang disebabkan akibat Bank Compliance risk is a risk caused by the Bank not complying with
tidak mematuhi ketentuan perundang-undangan yang berlaku. applicable statutory provisions. Bank business activities continue
Kegiatan usaha bank yang terus mengalami perubahan tersebut to experience changes in line with developments in information
sejalan dengan perkembangan teknologi informasi, globalisasi technology, globalization and financial market integration, so
dan integrasi pasar keuangan, sehingga kompleksitas kegiatannya that the complexity of their activities is increasingly high. The
semakin tinggi. Kompleksitas kegiatan usaha bank yang semakin increasing complexity of bank business activities requires an
meningkat memerlukan adanya peningkatan peran dan fungsi increase in the role and function of the Compliance Work Unit in
Satuan Kerja Kepatuhan dalam pengelolaan Risiko Kepatuhan, managing Compliance Risk, so that the Bank always complies with
agar Bank senantiasa mematuhi seluruh ketentuan dan perundang- all applicable regulations and legislation as well as commitments
undangan yang berlaku serta komitmen yang dibuat oleh Bank made by the Bank to regulators.
kepada regulator.
Bank mengelola risiko kepatuhan dengan melakukan penelaahan The Bank manages compliance risk by conducting comprehensive
secara komprehensif untuk memastikan kesesuaian kebijakan reviews to ensure the conformity of standard operating policies
standar operasi dan prosedur serta pengembangan produk and procedures as well as new product development with external
baru dengan peraturan eksternal. Satuan kerja Kepatuhan telah regulations. The Compliance work unit has carried out reviews in
melaksanakan pengkajian dalam rangka mencegah penyimpangan order to prevent deviations from applicable laws and regulations,
terhadap peraturan perundangan-undangan dan ketentuan lain including:
yang berlaku, meliputi:
• Mewujudkan terlaksananya budaya kepatuhan pada semua • Realizing the implementation of a culture of compliance at all
tingkatan organisasi dan kegiatan usaha Bank; levels of the Bank’s organization and business activities;
• Mengelola risiko kepatuhan yang dihadapi oleh Bank, dengan • Manage compliance risks faced by the Bank, by referring to
mengacu pada berbagai ketentuan terkait tata kelola bank various provisions related to commercial bank governance; And
umum; dan
• Memastikan kepatuhan Bank terhadap komitmen yang dibuat • Ensure the Bank’s compliance with commitments made by the
oleh Bank kepada Otoritas Jasa Keuangan dan atau otoritas Bank to the Financial Services Authority and/or other competent
pengawas lain yang berwenang. supervisory authorities.
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Profil Risiko dan Tingkat Kesehatan Bank Risk Profile and Bank Soundness Level
Berdasarkan pada peraturan OJK No. 18/POJK.03/2016 tentang Based on OJK regulation No. 18/POJK.03/2016 concerning the
Penerapan Manajemen Risiko bagi Bank Umum, Bank harus Implementation of Risk Management for Commercial Banks, the
melakukan self assessments melalui Profil Risiko yang dilaporkan Bank must carry out self-assessments through Risk Profiles which
ke Regulator secara triwulanan. Proses penilaian Profil Risiko Bank are reported to the Regulator on a quarterly basis. The Bank Risk
meliputi 8 risiko utama yaitu risiko kredit, risiko pasar, risiko likuiditas, Profile assessment process includes 8 main risks, namely credit
risiko stratejik, risiko operasional, risiko hukum, risiko kepatuhan, risk, market risk, liquidity risk, strategic risk, operational risk, legal
dan risiko reputasi. risk, compliance risk and reputation risk.
Penilaian atas Profil Risiko dilakukan dimana parameter-parameter An assessment of the Risk Profile is carried out where the risk
pengukuran risiko tidak hanya menggunakan data historis, tetapi measurement parameters not only use historical data, but also
juga dengan forward looking dengan mempertimbangkan look forward looking by considering business strategy and
strategi bisnis dan kondisi makroekonomi. Melalui Profil Risiko, macroeconomic conditions. Through the Risk Profile, Allo Bank
Allo Bank dapat mengelola risiko melalui tindakan yang tepat, can manage risks through appropriate actions, and carried out
dan dilakukan secara menyeluruh dan komprehensif berdasarkan thoroughly and comprehensively based on the Bank’s business
dengan lini bisnis Bank. Berdasarkan pada peraturan OJK No. 4/ lines. Based on OJK regulation no. 4/POJK.03/2016 concerning
POJK.03/2016 tentang Penilaian Tingkat Kesehatan Bank, Allo Bank Soundness Level Assessment, Allo Bank has carried out an
Bank telah melakukan penilaian atas Tingkat Kesehatan Bank yang assessment of Bank Soundness Level, which includes 4 (four)
meliputi 4 (empat) faktor, antara lain Risk Profile, Good Corporate factors, including Risk Profile, Good Corporate Governance (GCG),
Governance (GCG), Earnings, dan Capital. Earnings, and Capital.
Adapun hasil dari self-assessment GCG Bank di tahun 2023 adalah The results of the Bank’s GCG self-assessment in 2023 are
sebagai berikut: as follows:
Periode Penilaian Hasil Self Assessment Definisi Peringkat
Assessment Period Self Assessment Results Rating Definition
Mencerminkan Manajemen Bank telah melakukan penerapan Tata Kelola yang
secara umum baik. Hal ini tercermin dari pemenuhan yang memadai atas prinsip-
Semester I - 2023 Individual 2 prinsip Tata Kelola. Dalam hal terdapat kelemahan penerapan prinsip Tata Kelola,
secara umum kelemahan tersebut kurang signifikan dan dapat diselesaikan
dengan tindakan normal oleh manajemen Bank.
The rating indicates that the Bank's Management has implemented what is
categorized as generally good levels of Governance. This can be seen reflected in
the Bank's adequate fulfillment of Governance principles. In the event that there
Semester II - 2023 Individual 2 are weaknesses in the Bank's implementation of Governance principles, these
weaknesses are generally vieweed as less significant and can be resolved with
normal actions by the Bank's management.
Sementara itu sesuai surat OJK No. SR-21/PB.31/2024 tanggal According to Financial Services Authority (OJK) Letter No. SR-
12 Februari 2024, penerapan Tata Kelola Bank untuk posisi Juni 21/PB.31/2024 dated February 12 2024, Bank Governance
2023 adalah Baik dan posisi Desember 2023 adalah Cukup Baik. implementation for the June 2023 position was categorized as
being “Good”, while its December 2023 position was categorized
as being “Fairly Good”.
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Sistem
Pengendalian Internal
Internal Control System
Sistem pengendalian internal merupakan suatu mekanisme The internal control system is a supervisory process mechanism
proses pengawasan yang ditetapkan oleh manajemen Bank established by the Bank’s management on an ongoing basis,
secara berkesinambungan (ongoing basis) yang kualitas desain whose design and implementation quality is influenced by the
dan pelaksanaannya dipengaruhi oleh Dewan Komisaris, Direksi, Board of Commissioners, Directors, as well as all Bank officials and
serta seluruh pejabat dan pegawai Bank, dirancang untuk dapat employees, designed to provide adequate confidence in order to:
memberikan keyakinan yang memadai guna:
1. Menjaga dan mengamankan harta kekayaan Bank. 1. Maintain and secure the Bank’s assets.
2. Menjamin tersedianya laporan yang akurat. 2. Ensure the availability of accurate reports.
3. Meningkatkan kepatuhan terhadap ketentuan yang berlaku. 3. Increase compliance with applicable regulations.
4. Mengurangi dampak kerugian keuangan, penyimpangan 4. Reduce the impact of financial losses, irregularities including
termasuk kecurangan (fraud) dan pelanggaran aspek kehati- fraud and violations of prudential aspects.
hatian.
5. Meningkatkan efektivitas organisasi dan meningkatkan 5. Increase organizational effectiveness and increase
efisiensi biaya. cost efficiency.
Pedoman Sistem Pengendalian Internal Internal Control System Guidelines
Sistem pengendalian internal merupakan komponen penting dalam The internal control system is an important component in bank
manajemen bank dan menjadi dasar bagi kegiatan operasional bank management and is the basis for healthy and safe bank operational
yang sehat dan aman. Pedoman sistem pengendalian internal Allo activities. Allo Bank’s internal control system guidelines refer to
Bank telah mengacu pada Surat Edaran Otoritas Jasa Keuangan No. Financial Services Authority Circular Letter No. 35/SEOJK.03/2017
35/SEOJK.03/2017 tentang pedoman Standar Sistem Pengendalian concerning guidelines for Internal Control System Standards for
Intern bagi Bank Umum mencakup 5 (lima) elemen pokok yang Commercial Banks covering 5 (five) main interrelated elements,
saling berkaitan, yaitu: namely:
1. Pengawasan oleh manajemen dan kultur pengendalian. 1. Management supervision and control culture.
2. Identifikasi dan penilaian risiko. 2. Risk identification and assessment.
3. Kegiatan pengendalian dan pemisahan fungsi. 3. Control activities and segregration of functions.
4. Sistem akuntansi, informasi, dan komunikasi. 4. Accounting, information and communication systems.
5. Kegiatan pemantauan dan tindakan koreksi penyimpangan. 5. Monitoring activities and corrective actions for deviations.
Hasil Evaluasi Penerapan Sistem Pengendalian Results of Evaluation of the Implementation of the
Internal Internal Control System
Evaluasi atas pelaksanaan sistem pengendalian internal dilakukan Evaluation of the implementation of the internal control system
oleh manajemen Bank pada setiap jenjang organisasi. Satuan Kerja is carried out by Bank management at every level of the
Audit Internal melakukan evaluasi atas kecukupan dan efektivitas organization. The Internal Audit Work Unit evaluates the adequacy
Sistem Pengawasan Internal secara menyeluruh dan pengawasan and effectiveness of the Internal Control System as a whole and
yang dilakukan untuk mendukung asersi Direksi tentang efektivitas the supervision carried out to support the Board of Directors’
Sistem Pengendalian Internal Bank yang diterapkan. assertions regarding the effectiveness of the Bank’s Internal Control
System implemented.
Evaluasi yang dilakukan disampaikan kepada manajemen, The evaluation carried out is submitted to management, then
kemudian ditindaklanjuti dan dimonitor pelaksanaannya untuk its implementation is followed up and monitored to ensure that
memastikan Sistem Pengendalian Internal Bank telah cukup the Bank’s Internal Control System is adequate to support the
memadai dalam mendukung pencapaian tujuan dan sasaran yang achievement of the goals and targets that have been set. Based
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telah ditetapkan. Berdasarkan hasil pemeriksaan serta paparan on the results of the examination and presentation of evaluation
hasil evaluasi terhadap efektivitas dan kecukupan pengendalian results on the effectiveness and adequacy of internal control at
internal pada Bank, khususnya pada kecukupan sistem, prosedur, the Bank, particularly on the adequacy of systems, procedures,
struktur organisasi, sumber daya manusia, dan pelaporan, Bank organizational structure, human resources and reporting, the
menyimpulkan bahwa sistem pengendalian internal telah berjalan Bank concluded that the internal control system has been running
baik, termasuk diantaranya kelengkapan, akurasi, dan ketersediaan well, including completeness, accuracy and availability of data in
data pada sistem informasi. information systems.
Penilaian Kecukupan Penerapan Sistem Assessment of the Adequacy of Implementation of
Pengendalian Internal oleh Direksi dan/atau Dewan the Internal Control System by the Board of Directors
Komisaris and/or Board of Commissioners
Berdasarkan hasil evaluasi atas efektivitas dan kecukupan Based on the results of the evaluation of the effectiveness and
pengendalian internal Bank, khususnya pada kecukupan sistem, adequacy of the Bank’s internal control, particularly the adequacy of
prosedur, struktur organisasi, sumber daya manusia, dan pelaporan, systems, procedures, organizational structure, human resources and
Direksi menilai bahwa penerapan Sistem Pengendalian Internal telah reporting, the Board of Directors assesses that the implementation of
berjalan dengan baik dan memadai, baik dari kecukupan infrastruktur the Internal Control System has been running well and is adequate,
maupun metode. Meski demikian, Bank berkomitmen untuk terus both in terms of the adequacy of infrastructure and methods.
meningkatkan kualitas penerapan sistem pengendalian internal. However, the Bank is committed to continuing to improve the quality
of the implementation of the internal control system.
Perkara Penting Litigation
Berikut disampaikan permasalahan hukum, baik perdata maupun The following is a presentation of the legal problems, both civil and
pidana yang dihadapi oleh Bank dalam 2 (dua) tahun terakhir. criminal, faced by the Bank in the last 2 (two) years.
2023 2022
Permasalahan Hukum
Legal Cases Perdata Pidana Perdata Pidana
Civil Criminal Civil Criminal
Selesai dan telah mempunyai kekuatan hukum tetap 1 - 2 -
Completed and has permanent legal force
Dalam proses penyelesaian 1 - - -
In the process of being resolved
Jumlah 2 - 2 -
Total
Perkara Penting yang Dihadapi Bank
Litigation Faced by the Bank
Pengaruh
Nomor Register Perkara/
terhadap
Putusan Pokok Perkara/Gugatan Status Penyelesaian
No. Perusahaan
Case/Decision Register Main Case/Claim Completion Status
Influence on the
Number
Company
1. 755/Pdt.G/2022/PN Jkt.Sel Perbuatan Melawan Hukum Allo memenangkan perkara dan sudah inkrah -
Unlawful Acts Allo overcame the case and has moved on
2. 671/Pdt.G/2023/PNJkt.Ut. Perbuatan Melawan Hukum Allo memenangkan perkara pada tingkat PN dan -
Unlawful Acts penggugat sedang melakukan banding
Allo overcame the case at the District Court level
and the plaintiff is currently appealing
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Permasalahan Hukum yang Dihadapi Dewan Legal Issues Faced by the Board of Commissioners
Komisaris dan Direksi yang Sedang Menjabat and Board of Directors in Office
Sepanjang tahun 2023, tidak terdapat permasalahan hukum Throughout 2023, there were no legal problems faced by the
yang dihadapi oleh Dewan Komisaris maupun Direksi yang incumbent Board of Commissioners or Directors.
sedang menjabat.
Sanksi Administratif Administrative Sanctions
Berikut disampaikan sanksi administratif yang didapatkan oleh Allo The following is a presentation of the administrative sanctions
Bank di sepanjang tahun 2023: received by Allo Bank throughout 2023:
Sanksi Periha
Nominal
Penalty Regarding
Administratif Sanksi Administratif atas kesalahan isian angka kredit investasi (Rupiah) dan konsumsi (Rupiah)
Administrative pada lampiran revisi Rencana Bisnis Bank
Rp 200.000,00
Administrative Sanctions for incorrectly e ntering investment (Rupiah) and consumption
(Rupiah) credit figures in the revised Bank Business Plan attachment
Administratif Kesalahan pelaporan SLIK berdasarkan Laporan Hasil Pemeriksaan (LHP) 31 Agustus 2023
Rp 50.000.000,00
Administrative SLIK reporting errors based on the Audit Results Report (LHP) August 31, 2023
Akses Informasi dan Data Perusahaan Access to Information and Company Data
Allo Bank berkomitmen untuk menerapkan prinsip-prinsip GCG Allo Bank is committed to implementing GCG principles
secara menyeluruh, salah satunya melalui keterbukaan informasi comprehensively, one of which is through information disclosure
secara internal maupun eksternal. Untuk itu, Bank menyediakan internally and externally. For this reason, the Bank provides real-time
akses informasi seperti Aksi Korporasi, Laporan Tahunan, Laporan access to information such as Corporate Actions, Annual Reports,
Keuangan, dan press release secara real-time yang dapat diakses Financial Reports and press releases which can be accessed by
oleh para pemangku kepentingan melalui situs web yang beralamat stakeholders via the website at www.allobank.com.
www.allobank.com.
Transparansi Kondisi Keuangan dan Non Keuangan Financial and Non-Financial Condition Transparency
Bank berupaya untuk menerapkan prinsip-prinsip terbaik (best The Bank strives to implement the best practices of GCG, especially
practice) GCG, khususnya terkait transparansi dengan menyediakan regarding transparency by providing open financial and non-
keterbukaan informasi keuangan dan non keuangan. Hal tersebut financial information. This is also a form of the Bank’s responsibility
juga menjadi salah satu bentuk tanggung jawab Bank terhadap towards stakeholders and compliance with applicable regulations.
pemangku kepentingan dan pemenuhan atas ketentuan
yang berlaku.
Informasi kondisi keuangan dan non-keuangan Allo Bank telah Information on Allo Bank’s financial and non-financial conditions has
dituangkan secara jelas dalam beberapa laporan, di antaranya been stated clearly in several reports, including the Annual Report,
dalam Laporan Tahunan, Laporan Keuangan Publikasi Triwulan, Quarterly Published Financial Reports, Monthly Reports and other
Laporan Bulanan, dan Laporan non-keuangan Lainnya. Transparansi non-financial reports. Transparency of the Bank’s Financial and
Laporan Keuangan dan Non-keuangan Bank dapat dilihat di situs Non-financial Reports can be seen on the Bank’s official website,
web resmi Bank, yakni www.allobank.com. namely www.allobank.com.
Kode Etik dan Budaya Perusahaan Code of Conduct and Corporate Culture
Allo Bank menjadikan kode etik dan budaya perusahaan sebagai Allo Bank makes the code of ethics and corporate culture a guideline
pedoman yang harus diikuti dan diimplementasikan oleh that must be followed and implemented by all Bank Personnel in
seluruh Insan Bank dalam menjalankan kegiatan usaha maupun carrying out business activities and operations ethically and with
operasi secara beretika dan berintegritas. Bank senantiasa integrity. The Bank continues to update its code of ethics and
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Company Profile
memperbaharui kode etik dan budaya yang dimiliki agar tetap culture so that it remains relevant to the dynamic developments
relevan dengan perkembangan regulasi, norma, dan bisnis Bank in regulations, norms and the Bank’s business.
yang bersifat dinamis.
Isi Kode Etik dan Pernyataan Kode Etik Berlaku bagi Contents of the Code of Conduct and Statement
Seluruh Insan Allo Bank of the Code of Conduct Applies to All Allo Bank
Personnel
Allo Bank telah memiliki Kode Etik Perilaku (Code of Conduct) yang Allo Bank has a Code of Conduct which was approved based on
disahkan berdasarkan Surat Keputusan Direksi No. 015/DIRAB/22 Directors’ Decree No. 015/DIRAB/22 concerning Code of Conduct.
tentang Kode Etik Perilaku (Code of Conduct). Kode Etik Perilaku This Code of Ethics applies to the Board of Commissioners, Directors
ini berlaku bagi Dewan Komisaris, Direksi, dan karyawan Allo Bank. and employees of Allo Bank. All employees have signed a statement
Seluruh karyawan telah menandatangani pernyataan bahwa yang that they understand and will comply with and implement the Bank
bersangkutan telah memahami dan akan menaati serta menjalankan Allo Bank Code of Ethics.
Kode Etik Bank Allo Bank tersebut.
Secara garis besar, Kode Etik Allo Bank mengatur tentang: In general, the Allo Bank Code of Ethics regulates:
1. Mematuhi peraturan perundang-undangan yang berlaku, baik 1. Comply with applicable laws and regulations, both internal
internal maupun eksternal. and external.
2. Menolak penyuapan, korupsi dan aktivitas ilegal lainnya. 2. Reject bribery, corruption and other illegal activities.
3. Dilarang menerima atau meminta hadiah/hiburan dari nasabah 3. It is prohibited to accept or ask for gifts/entertainment from
dalam bentuk apapun. customers in any form.
4. Menjaga agar tidak terjadi benturan kepentingan, baik dengan 4. Ensure that there are no conflicts of interest, whether with
nasabah, karyawan Bank, pemegang saham, anggota Dewan customers, Bank employees, shareholders, members of the
Komisaris, anggota Direksi, dan/atau pihak terkait dengan Bank. Board of Commissioners, members of the Board of Directors,
and/or parties related to the Bank.
5. Mencegah pencucian uang, membocorkan rahasia perusahaan 5. Prevent money laundering, leak company confidential matter
dan menjaga kerahasiaan informasi nasabah. and maintain the confidentiality of customer information.
6. Tidak menyalahgunakan jabatan dan wewenangnya untuk 6. Do not abuse his position and authority for personal or
kepentingan pribadi maupun keluarga. family interests.
7. Tidak melakukan perbuatan tercela yang dapat merugikan 7. Do not commit disgraceful acts that could harm customers
nasabah maupun Bank. or the Bank.
8. Senantiasa berusaha untuk meningkatkan pengetahuan, 8. Always strive to increase knowledge, especially in the
khususnya pada industri perbankan. banking industry.
Sosialisasi Kode Etik Dissemination of the Code of Ethics
Bank secara berkala melakukan kegiatan sosialisasi Kode Etik The Bank regularly carries out outreach activities on the Code of
Perilaku melalui kegiatan internal serta membagikan buku saku Ethics through internal activities and distributes code of ethics
kode etik kepada seluruh karyawan. Sosialisasi kode etik ini pocketbooks to all employees. The dissemination of this code of
bertujuan untuk meningkatkan kesadaran para karyawan untuk terus ethics aims to increase employee awareness to continue carrying
menjalankan kegiatan operasional secara beretika dan berintegritas. out operational activities ethically and with integrity.
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Budaya Perusahaan Corporate Culture
Nilai-nilai yang dikembangkan oleh karyawan Allo Bank adalah: The values developed by Allo Bank employees are:
1. Data-driven - Kami mengambil keputusan dan memecahkan 1. Data-driven - We make decisions and solve problems based
masalah berdasarkan data dan informasi yang kredibel; on credible data and information;
2. Impact - Kami memberikan solusi dan dampak positif kepada 2. Impact - We provide positive solutions and impact to
semua stakeholders; all stakeholders;
3. Growth - Kami terus menerus tumbuh dan berkembang secara 3. Growth - We continuously grow and develop sustainably for
berkesinambungan untuk masa depan yang lebih baik; a better future;
4. In harmony - Kami bekerjasama dengan semua pihak secara 4. In harmony - We collaborate with all parties harmoniously
harmonis yang berorientasi pada hasil; towards result-oriented;
5. Transparency - Kami berperilaku jujur dan transparan dalam 5. Transparency - We are honest and transparent in all aspects
segala aspek pekerjaan; of our work;
6. Agility - Kami tangkas beradaptasi terhadap semua perubahan 6. Agility - We are nimble in adapting to all changes that occur;
yang terjadi; dan and
7. Learning - Kami terus belajar, berbagi dan menerapkan 7. Learning - We continuously learn, share, and apply new
pengetahuan dan keterampilan baru untuk mengembangkan knowledge and skills to develop our competencies.
kompetensi diri.
Pelanggaran dan Sanksi Violations and Sanctions
Bank menegakkan Kode Etik Perilaku yang dimiliki dengan The Bank enforces its Code of Ethics by imposing sanctions
mengenakan sanksi atas pelanggaran yang terjadi sesuai dengan for violations that occur according to the level of the violation
tingkat pelanggaran yang dilakukan. Adapun rincian sanksi yang committed. The details of sanctions imposed for violations of the
dikenakan atas pelanggaran kode etik Bank dalam 2 (dua) tahun Bank’s code of ethics in the last 2 (two) years can be seen as follows:
terakhir dapat dilihat sebagai berikut:
Sanksi
2023 2022
Penalty
Tindakan Disiplin Ringan | Light Disciplinary Action 1 1
Tindakan Disiplin Sedang | Moderate Disciplinary Action - -
Tindakan Disiplin Berat | Severe Disciplinary Action - -
Jumlah | Total 1 1
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Company Profile
Penerapan Program Anti
Pencucian Uang,
Pencegahan Pendanaan
Terorisme dan Pencegahan
Pendanaan Proliferasi
Senjata Pemusnah Massal
Implementation of Anti-Money
Laundering, Counter-Terrorist Financing,
and Counter-Proliferation Financing of
Weapons of Mass Destruction Program
Sebagai bentuk pemenuhan ketentuan OJK, Bank Indonesia, As a form of compliance with OJK, Bank Indonesia and other
maupun peraturan perundang-undangan lainnya, Direksi dan statutory regulations, the Board of Directors and Board of
Dewan Komisaris berkomitmen penuh untuk memastikan Allo Bank Commissioners are fully committed to ensuring that Allo Bank
melakukan seluruh kegiatan usahanya dengan tetap mendukung carries out all its business activities while continuing to support
Anti Pencucian Uang (APU), Pencegahan Pendanaan Terorisme the Implementation of Anti-Money Laundering (AML), Counter-
(PPT) dan Pencegahan Pendanaan Proliferasi Senjata Pemusnah Terrorist Financing (CTF), and Counter-Proliferation Financing
Massal (PPPSPM). (CPF) of Weapons of Mass Destruction Program.
Dewan Komisaris melakukan pengawasan secara aktif dalam The Board of Commissioners carries out active supervision
mengawasi pelaksanaan tanggung jawab Direksi terhadap in supervising the implementation of the Board of Directors’
penerapan program APU PPT & PPPSPM, termasuk komitmen responsibilities regarding the implementation of the AML-CTF &
yang dibuat oleh Allo Bank kepada Otoritas Jasa Keuangan/Bank CPF program, including commitments made by Allo Bank to the
Indonesia serta pelaporan kepada regulator sesuai peraturan Financial Services Authority/Bank Indonesia as well as reporting
yang berlaku. Bank senantiasa meningkatkan kualitas penerapan to regulators in accordance with applicable regulations. The Bank
Program APU PPT & PPPSPM, baik melalui pengawasan aktif continues to improve the quality of the implementation of the
dari manajemen, penyempurnaan kebijakan, penyelenggaraan AML-CTF & CPF Program, either through active supervision from
program pelatihan, penyempurnaan sistem informasi, maupun management, improving policies, implementing training programs,
inisiatif-inisiatif lainnya. improving information systems, and other initiatives.
Berdasarkan Peraturan Otoritas Jasa K
euangan Republik Indonesia Based on OJK Regulation Regulation of the Financial Services
Nomor 8 Tahun 2 023 Tentang Penerapan Program Anti Pencucian Authority of the Republic of Indonesia Number 8 of 2023
Uang, Pencegahan Pendanaan Terorisme, dan Pencegahan concerning the Implementation of Anti-Money Laundering
Pendanaan Proliferasi Senjata Pemusnah Massal di Sektor Jasa Programs, Prevention of Financing of Terrorism, and Prevention
Keuangan, Allo Bank telah menerapkan program APU PPT & of Financing the Proliferation of Weapons of Mass Destruction
PPPSPM yang mencakup sejumlah faktor, seperti: in the Financial Services Sector, Allo Bank has implemented an
AML-CTF & CPF program that covers a number of factors, such as:
1. Pengawasan Aktif Direksi dan Dewan Komisaris. 1. Active supervision of the Board of Directors and Board
of Commissioners.
2. Kebijakan dan prosedur. 2. Policies and procedures.
3. Pengendalian internal. 3. Internal control.
4. Sistem informasi manajemen. 4. Management information system.
5. SDM dan pelatihan. 5. Human resources and training.
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Penerapan Program Anti Pencucian Uang (APU), Implementation of the Anti Money Laundering
Pencegahan Pendanaan Terorisme (PPT) dan (AML), Counter-Terrorist Financing (CTF) and
Pencegahan Pendanaan Proliferasi Senjata Counter-Proliferation Financing of Weapons of Mass
Pemusnah Massal (PPPSPM) Tahun 2023 Destruction (CPF)
1. Struktur Organisasi dalam Penerapan Program APU PPT & 1. Organizational Structure in Implementing the AML-CFT & CPF
PPPSPM Program
Dalam menerapkan program APU PPT & PPPSPM, Bank In implementing the AML-CTF & CPF program, the Bank
menetapkan Divisi Compliance dan AML/CTF sebagai Unit designated the Compliance and AML/CTF Divisions as
Kerja Khusus (UKK) penerapan program APU PPT & PPPSPM Special Work Units (UKK) for implementing the AML-CTF &
yang mana Divisi Compliance dan AML/CTF melapor dan CPF programs where the Compliance and AML/CTF Divisions
bertanggung jawab langsung kepada Direktur yang membawahi report and are directly responsible to the Director who
fungsi kepatuhan di Allo Bank dalam hal ini Direktur Risiko, oversees the compliance function at Allo Bank, in this case
Kepatuhan & Hukum. Selain itu penerapan APU PPT & PPPSPM the Director of Risk, Compliance & Legal. Apart from that,
juga diterapkan oleh Kepala Bagian Operasional di setiap Kantor the implementation of AML-CTF & CPF is also implemented
Cabang yang memiliki fungsi supervisI dan memastikan bahwa by the Head of Operations at each Branch Office who has a
kegiatan operasional di Kantor Cabang masing-masing telah supervisory function and ensures that operational activities in
sesuai dengan penerapan program APU PPT & PPPSPM. each Branch Office are in accordance with the implementation
of the AML-CFT & CPF program.
Adapun struktur organisasi APU PPT & PPPSPM pada tahun The organizational structure of AML-CFT & CPF in 2023 is
2023 digambarkan sebagai berikut: described as follows:
Risk, Compliance &
Legal Director
Kepala UKK APU & PPT
Head of AML & CTF Unit
Koordinator Officer APU & PPT
Coordinator Officer AML & CTF
Officer Advisory Officer Transaction
Monitoring & Reporting
Officer APU & PPT Kantor Cabang*
Officer AML & CTF*
Catatan : Notes :
:Merupakan unit kerja dibawah Direktur yang membawahi : Is a work unit under the Director that oversees the compliance
fungsi kepatuhan yang memiliki fungsi utama menerapkan function which has the main function of implementing the
program APU PPT & PPPSPM di Bank. AML-CTF & CPF program at the Bank.
: Merupakan unit kerja dibawah Direktur yang membawahi : Is a work unit under the Director which oversees operational
fungsi operasional dan yang memiliki fungsi tambahan untuk functions and which has additional functions to ensure
memastikan penerapan program APU PPT & PPPSPM di the implementation of the AML-CTF & CPF program in
Kantor Cabang. Branch Offices.
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2. Program Dalam Penerapan Program APU PPT & PPPSPM 2. Program in Implementing the AML-CTF & CPF Program
Dalam upaya pencegahan dan meminimalisasi Bank digunakan In an effort to prevent and minimize banks being used as a
sebagai sarana pencucian uang, pendanaan terorisme dan means of money laundering, financing terrorism and funding
pendanaan proliferasi senjata pemusnah massal, maka Allo the proliferation of weapons of mass destruction, Allo Bank
Bank menerapkan program APU PPT & PPPSPM melalui: implements the AML-CTF & CPF program through:
a. Pengawasan Aktif Direksi dan Komisaris a. Active Supervision of Directors and Commissioners
Peran aktif dari Direksi dan Dewan Komisaris sangat The active role of the Board of Directors and Board of
diperlukan dalam menciptakan efektivitas penerapan Commissioners is very necessary in creating effective
Program APU PPT & PPPSPM, mengingat peranan implementation of the AML-CTF & CPF Program, considering
Direksi dan Dewan Komisaris akan mempengaruhi Tingkat that the role of the Directors and Board of Commissioners
pencapaian tujuan organisasi untuk penerapan Program will influence the level of achievement of organizational
APU PPT & PPPSPM. Bentuk pengawasan aktif Direksi dan goals for implementing the AML-CTF & CPF Program.
Dewan Komisaris antara lain sebagai berikut: Forms of active supervision by the Board of Directors and
Board of Commissioners include the following:
1) Persetujuan Direksi atas penetapan Divisi Compliance 1) Approval from the Board of Directors on the
& AML/CTF sebagai UKK yang bertanggung jawab appointment of the Compliance & AML/CTF Division
terhadap penerapan Program APU PPT & PPPSPM; as UKK responsible for implementing the AML-CTF &
CPF Program;
2) Persetujuan Direksi dan Dewan Komisaris atas Kebijakan 2) Approval of the Board of Directors and Board of
APU PPT & PPPSPM; Commissioners on the AML-CTF & CPF Policy;
3) Laporan berkala (bulanan, triwulanan dan semesteran) 3) Periodic reports (monthly, quarterly and semi-annually)
terkait kewajiban pelaporan dan implementasi regarding reporting obligations and implementation of
Program APU PPT & PPPSPM kepada Direksi dan the AML-CTF & CPF Program to the Board of Directors
Dewan Komisaris; and Board of Commissioners;
4) Persetujuan Direksi atas Laporan Rencana dan Realisasi 4) Approval from the Board of Directors on the Plan and
Pengkinian Data Nasabah; Realization Report on Updating Customer Data;
5) AML Forum yang dihadiri Direksi dan Dewan Komisaris 5) AML Forum attended by the Board of Directors and
untuk membahas pelaksanaan Program APU PPT & Board of Commissioners to discuss the implementation
PPPSPM. of the AML-CTF & CPF Program.
b. Kecukupan dan Efektivitas Kebijakan & Prosedur b. Adequacy and Effectiveness of Policies & Procedures
Bank telah menyusun Kebijakan dan Prosedur APU PPT The Bank has prepared AML-CTF & CPF Policies and
& PPPSPM yang secara berkala dilakukan peninjuan dan Procedures which are regularly reviewed and refined in
penyempurnaan sesuai ketentuan yang berlaku. Untuk accordance with applicable regulations. To strengthen
memperkuat penerapan APU PPT & PPPSPM, maka di the implementation of AML-CTF & CPF, every banking
setiap prosedur produk dan aktivitas perbankan diatur product and activity procedure also regulates procedures
pula prosedur pelaksanaan APU PPT & PPPSPM guna for implementing AML-CTF & CPF to identify and assess
mengidentifikasi dan melakukan penilaian risiko tindak the risk of criminal acts of money laundering, criminal
pidana pencucian uang, tindak pidana pendanaan terorisme acts of financing terrorism and/or criminal acts of funding
dan/atau tindak pidana pendanaan proliferasi senjata the proliferation of weapons of mass destruction for each
pemusnah massal untuk masing - masing produk atau product or activity. To ensure that the implementation of the
aktivitas. Untuk memastikan implementasi Program APU AML-CTF & CPF Program is running as it should, supervision
PPT & PPSPM telah berjalan sebagaimana mestinya maka is carried out by the Compliance & AML/CTF Division.
dilakukan supervisi oleh Divisi Compliance & AML/CTF.
Kebijakan dan prosedur penerapan program APU PPT The policies and procedures for implementing the AML-
sejalan dan sesuai dengan Peraturan OJK (POJK) No. CTF program are in line with and in accordance with OJK
8 Tahun 2023 tentang Penerapan Program APU PPT & Regulation (POJK) No. 8 of 2023 concerning Implementation
PPPSPM di sektor jasa keuangan, yang antara lain mengatur: of the AML-CTF & CPF Program in the financial services
sector, which among other things regulates:
1) Pengawasan Aktif Direksi dan Dewan Komisaris; 1) Active Supervision of the Board of Directors and Board
of Commissioners;
2) Prosedur Customer Due Diligence dan/atau Enhanced 2) Customer Due Diligence and/or Enhanced Due
Due Diligence terhadap Calon Nasabah/Nasabah/ Diligence procedures for prospective Customers/
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Beneficial Owner/Walk in Customer termasuk Customers/Beneficial Owner/Walk in Customers
memastikan bahwa mereka tidak masuk dalam Daftar including ensuring that they are not included in the
Terduga Teroris dan Organisasi Teroris dan/atau Daftar List of Suspected Terrorists and Terrorist Organizations
Proliferasi Senjata Pemusnah Massal dan daftar watchlist and/or the Proliferation of Weapons of Mass Destruction
lainnya (OFAC List, UN List); List and other watchlists (OFAC List, UN List);
3) Penerapan Program APU PPT & PPPSPM berdasarkan 3) Implementation of the AML-CTF & CPF Program based
pendekatan berbasis risiko (Risk-Based Approach); on a risk-based approach;
4) Prosedur Pemantauan Profil dan Transaksi Nasabah; 4) Customer Profile and Transaction Monitoring Procedures;
5) Pelaksanaan Prosedur Transfer Dana; 5) Implementation of Fund Transfer Procedures;
6) Penatausahaan Dokumen Nasabah dan Transaksi; 6) A d m i n i s t r a t i o n o f C u s t o m e r D o c u m e n t s
and Transactions;
7) Penerapan Program APU PPT & PPPSPM di Jaringan 7) Implementation of the AML-CTF & CPF Program on
the Network
8) Kantor dan Entitas Anak dalam Konglomerasi Keuangan; 8) Offices and Subsidiaries in Financial Conglomerates;
9) Pengendalian Internal; dan 9) Internal Control; And
10) Sumber Daya Manusia dan Pelatihan 10) Human Resources and Training
c. Pengendalian intern yang efektif dalam penerapan APU c. Effective internal control in implementing AML-CTF & CPF
PPT & PPPSPM antara lain dilakukan dengan : includes, among other things, carried out by:
1) Dimilikinya kebijakan dan prosedur APU PPT & PPPSPM 1) Having AML-CTF & CPF policies and procedures as
serta pemantauan internal yang memadai; well as adequate internal monitoring;
2) Adanya batasan wewenang dan tanggung jawab yang 2) There are clear boundaries of authority and responsibility
jelas terhadap satuan kerja terkait dengan penerapan for work units related to the implementation of the AML-
program APU PPT & PPPSPM baik melalui first line of CTF & CPF program either through the first line of
defense (risk taking unit), second line of defense maupun defense (risk taking unit), second line of defense and
third line of defense; dan third line of defense; And
3) Dilakukannya pemeriksaan untuk memastikan efektivitas 3) Conducted inspections to ensure the effectiveness of
pelaksanaan Program APU PPT & PPPSPM oleh Satuan the implementation of the AML-CTF & CPF Program
Kerja Audit Internal. by the Internal Audit Work Unit.
d. Sistem Manajemen Informasi d. Information Management System
Untuk mengoptimalkan pemantauan transaksi dalam To optimize transaction monitoring in the implementation
pelaksanaan Program APU PPT & PPPSPM, Bank secara of the AML-CTF & CPF Program, the Bank continuously
berkelanjutan mengembangkan teknologi sistem informasi, develops information system technology, including:
antara lain:
1) Melakukan penyempurnaan sistem dan aplikasi 1) Improve the supporting systems and applications for
pendukung untuk Anti Money Laundering Detection the Anti Money Laundering Detection System, Terrorist
System, Filtering & Screening Terrorist (DTTOT List), Filtering & Screening (DTTOT List), PEP Screening
PEP Screening Detection dan Customer Due Diligence Detection and Customer Due Diligence Risk Scoring,
Risk Scoring, baik secara batch maupun realtime. AML both in batch and real time. The AML System is used
System digunakan untuk mendukung pelaksanaan to support more optimal implementation of Know Your
Prinsip Mengenal Nasabah yang lebih Optimal, Customer Principles, especially in detecting/monitoring
khususnya dalam pendeteksian/ pemantauan transaksi customer transactions that have money laundering and
nasabah yang memiliki pola perilaku dan pola transaksi terrorism financing behavior and transaction patterns.
pencucian uang dan pendanaan terorisme.
2) Pengembangan aplikasi pemanfaatan data Politically 2) Developing an application for utilizing PPATK Politically
Exposed Person (PEP) PPATK; Exposed Person (PEP) data;
3) Pengembangan aplikasi KYC untuk melakukan filtering 3) Developing a KYC application to filter and screen
dan screening calon nasabah terhadap Data Teroris/ prospective customers against Terrorist Data/Terrorist
Terrorist List, Daftar Proliferasi Senjata Pemusnah Massal, List, Proliferation of Weapons of Mass Destruction List,
PEP List, OFAC List, UN List dan Fraudulent List; PEP List, OFAC List, UN List and Fraudulent List;
4) Pengembangan sistem aplikasi internal pendukung 4) Development of an internal application system to
kewajiban pelaporan sesuai dengan requirement format support reporting obligations in accordance with
pelaporan GoAML PPATK; PPATK’s GoAML reporting format requirements;
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5) Pengembangan system interface GoAML dalam 5) Development of a GoAML interface system to support
mendukung kewajiban pelaporan yang telah disesuaikan reporting obligations that have been adapted to
dengan ketentuan GoAML; GoAML provisions;
6) Pengembangan Aplikasi Sistem Terduga Pendanaan 6) Development of the PPATK Terrorism Financing Suspect
Terorisme (SIPENDAR) PPATK; System (SIPENDAR) Application;
e. Sumber Daya Manusia dan Pelatihan e. Human Resources and Training
Bank secara berkesinambungan menyelenggarakan The Bank continuously provides training, outreach and
pelatihan, sosialisasi dan Reminder mengenai penerapan reminders regarding the implementation of the AML-CTF
Program APU PPT & PPPSPM kepada seluruh pegawai & CPF Program to all employees on an ongoing basis to
secara berkesinambungan untuk meningkatkan kompetensi, improve competency, including:
antara lain meliputi:
1) Pelatihan, metode pelatihan dapat dilakukan secara 1) Training, training methods can be carried out
elektronik/online base, maupun melalui tatap muka. electronically/online, or face to face.
2) Pelaksanaan Supervisi dan Sosialisasi penerapan 2) Implementation of Supervision and Socialization of
Program APU PPT & PPPSPM the implementation of the AML-CTF & CPF Program
3) Penyampaian Email Blast terkait tipologi, modus terbaru 3) Submission of Email Blast regarding typology, latest
dan lesson learned terkait APU PPT & PPPSPM kepada modes and lessons learned regarding AML-CTF & CPF
Pegawai Bank. to Bank Employees.
f. Melaksanakan program Peningkatan kualitas data nasabah f. Implementing a program to improve customer data quality
g. Menjalin dan membina kerja sama maupun koordinasi g. Establish and foster cooperation and coordination with
dengan pihak regulator dan Aparat Penegak Hukum, regulators and Law Enforcement Officials, especially in
khususnya dalam pemenuhan permintaan data dan/atau fulfilling customer data and/or information requests.
informasi nasabah.
h. Berperan aktif dalam program kerja dan kegiatan rezim h. Play an active role in the work program and activities of the
APU PPT yang diselenggarakan oleh regulator/pemerintah. AML-CTF regime organized by the regulator/government.
3. Penguatan Program APU PPT & PPPSPM 3. Strengthening the AML-CTF & CPF Program
Semakin kompleksnya produk, jasa dan layanan perbankan, The increasing complexity of banking products, services and
serta meningkatnya penggunaan teknologi digital, hal ini services, as well as the increasing use of digital technology,
berpotensi meningkatkan risiko perbankan untuk digunakannya has the potential to increase the risk of banking being used
sebagai sarana pencucian uang, pendanaan terorisme dan as a means of money laundering, financing terrorism and
pendanaan proliferasi senjata pemusnah massal oleh para financing the proliferation of weapons of mass destruction by
pelaku kejahatan. Sehubungan dengan hal tersebut, Bank criminals. In connection with this, the Bank needs to ensure
perlu memastikan bahwa implementasi APU PPT & PPPSPM that the implementation of AML-CTF & CPF has gone well and
telah berjalan dengan baik dan sesuai dengan ketentuan, selain in accordance with the provisions, in addition to that efforts
itu perlu dilakukan upaya perbaikan dalam pelaksanaannya. need to be made to improve its implementation.
Beberapa inisiatif perbaikan yang dilakukan Bank, antara lain: Several improvement initiatives carried out by the Bank include:
a. Meningkatkan awareness dan kompetensi pegawai terkait a. Increasing employee awareness and competence regarding
implementasi APU PPT & PPPSPM; the implementation of AML-CTF & CPF;
b. Melakukan evaluasi proses penerimaan nasabah b. Evaluating the customer acceptance process
c. Melakukan updating atas kebijakan dan prosedur internal c. Updating internal policies and procedures in accordance
sesuai dengan ketentuan yang berlaku. with applicable regulations.
d. Mengembangkan AML system dan aplikasi lainnya untuk d. Developing AML systems and other applications to support
mendukung optimalisasi implementasi APU PPT & PPPSPM the optimization of AML-CTF & CPF implementation
e. Meningkatkan kualitas data nasabah dan analisis pelaporan e. Improving the quality of customer data and reporting
kepada regulator sesuai dengan ketentuan; analysis to regulators in accordance with regulations;
f. Menindaklanjuti seluruh hasil audit baik dari internal maupun f. Follow up on all internal and external audit results related
eksternal terkait dengan implementasi APU PPT & PPPSPM to the implementation of AML-CTF & CPF according to
sesuai dengan waktu yang telah ditetapkan; the specified time;
g. Melakukan koordinasi secara aktif dengan Regulator dan g. Coordinate actively with Regulators and Law Enforcement
Aparat Penegak Hukum dalam pemenuhan permintaan Officials in fulfilling requests for data and providing
data dan pemberian keterangan dalam upaya Pencegahan information in efforts to Prevent and Eradicate Money
dan Pemberantasan Tindak Pidana Pencucian Uang, Laundering, Prevent Terrorism Financing and Prevent
Pencegahan Pendanaan Terorisme dan Pencegahan Funding for the Proliferation of Weapons of Mass Destruction.
Pendanaan Proliferasi Senjata Pemusnah Massal.
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Perlakukan yang Sama
Terhadap Seluruh
Pemegang Saham
Equal Treatment for All Shareholders
Mengacu pada Undang-Undang Perseroan Terbatas dan Peraturan Referring to the Limited Liability Company Law and applicable
OJK yang berlaku, Allo Bank memastikan bahwa seluruh kegiatan OJK Regulations, Allo Bank ensures that all its operational activities
operasionalnya senantiasa memperhatikan prinsip perlakuan yang always pay attention to the principle of equal and equal treatment
sama dan setara kepada seluruh pemegang saham, seperti: to all shareholders, such as:
1. Menyediakan informasi mengenai laporan keuangan yang 1. Provide information regarding financial reports that can be
dapat diakses pada situs web Bank. accessed on the Bank’s website.
2. Pengumuman, Panggilan Rapat Umum Pemegang Saham yang 2. Announcement, invitation to the General Meeting of
dilakukan secara terbuka melalui situs web bank. Shareholders which is made openly via the bank’s website.
3. Mempunyai kesempatan yang sama untuk bersuara dalam 3. Have the same opportunity to speak at the General Meeting
Rapat Umum Pemegang Saham. of Shareholders.
Pemberian Dana untuk
Kegiatan Sosial dan Politik
Providing Funds for Social and Political Activities
Allo Bank memiliki tanggung jawab terhadap masalah Allo Bank has responsibility for social and community
sosial dan kemasyarakatan yang diwujudkan melalui issues which are realized through social and
program-program tanggung jawab sosial dan environmental responsibility programs. This policy is
lingkungan. Kebijakan ini merupakan salah satu upaya an effort to have a positive impact on a wide audience
untuk memberi dampak positif kepada khalayak luas in the long term. In addition, the Bank’s internal policy
untuk jangka panjang. Di samping itu, kebijakan also prohibits the involvement of the Bank, including
internal Bank juga melarang adanya keterlibatan employees, in political activities, including providing
Bank, termasuk para karyawan, dalam kegiatan politik funds for political purposes. This policy is implemented
termasuk memberikan dana untuk kepentingan politik. to maintain the independence and professionalism of
Kebijakan ini diterapkan guna menjaga independensi the Bank and its employees.
dan profesionalisme Bank dan karyawan.
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Penyediaan Dana kepada
Pihak Terkait dan Penyediaan
Dana Besar
Provision of Funds to Related Parties and
Provision of Large Funds
Sesuai dengan POJK tentang Penerapan Tata Kelola Bank In accordance with POJK concerning the Implementation of
Umum, Bank wajib menerapkan prinsip kehati-hatian dalam Commercial Bank Governance, Banks are required to apply the
penyediaan dana paling sedikit dengan menerapkan penyebaran principle of prudence in providing funds at least by implementing
atau diversifikasi portofolio penyediaan dana yang diberikan. the distribution or diversification of the portfolio of funds provided.
Pengungkapan penyediaan dana kepada pihak terkait (individu atau Disclosure of the provision of funds to related parties (individuals or
kelompok, termasuk Direksi, Dewan Komisaris, Pejabat Eksekutif groups, including the Board of Directors, Board of Commissioners,
Bank, serta pihak terkait lainnya) dan penyediaan dana besar (large Bank Executive Officers, and other related parties) and the
exposure) mengacu pada SE OJK No. 13/SEOJK.03/2017 tentang provision of large funds (large exposure) refers to SE OJK No. 13/
Penerapan Tata Kelola bagi Bank Umum bagian Transparansi SEOJK.03/2017 concerning the Implementation of Governance for
Penerapan Tata Kelola. Dalam penyediaan dana kepada pihak terkait Commercial Banks, section on Transparency in the Implementation
dan penyediaan dana besar, Allo Bank selalu menerapkan prinsip of Governance. In providing funds to related parties and providing
kehati-hatian dan dilakukan sesuai dengan ketentuan yang berlaku. large funds, Allo Bank always applies the principle of prudence and
is carried out in accordance with applicable regulations.
Kebijakan Penyediaan Dana kepada Pihak Terkait Policy on Providing Funds to Related Parties and
dan Penyediaan Dana Besar Providing Large Funds
Penyediaan dana kepada pihak terkait dan kepada debitur dalam The provision of funds to related parties and to debtors in large
jumlah besar senantiasa dilakukan dengan memperhatikan prinsip amounts is always carried out by observing the principle of
kehati-hatian, melalui proses review dan mekanisme yang sesuai prudence, through a review process and mechanisms that are
dengan kebijakan Bank serta telah memenuhi ketentuan OJK in accordance with Bank policy and have complied with OJK
maupun peraturan perundang-undangan yang berlaku, antara lain provisions and applicable laws and regulations, including aspects
menyangkut aspek Batas Maksimum Pemberian Kredit (BMPK). of the Maximum Grant Limit. Credit (BMPK).
Untuk transaksi material dengan pihak terkait dan transaksi For material transactions with related parties and transactions
yang berpotensi menimbulkan benturan kepentingan bagi Bank, that have the potential to cause a conflict of interest for the Bank,
persetujuan Dewan Komisaris wajib didasari oleh rekomendasi approval from the Board of Commissioners must be based on
dari Komite Audit yang diberikan sebelum melakukan transaksi recommendations from the Audit Committee given before carrying
material dengan pihak afiliasi. Penyediaan dana besar harus out material transactions with affiliated parties. The provision of
dianalisa kelayakannya minimum sama atau lebih berhati-hati large funds must be analyzed for feasibility at least as much or
(prudent) daripada penyediaan dana kepada debitur umum. Syarat more carefully (prudent) than the provision of funds to general
dan ketentuan penyediaan dana diterapkan adalah sesuai dengan debtors. The terms and conditions for providing funds are applied
ketentuan dan prosedur perkreditan yang berlaku di Allo bank. in accordance with the applicable credit provisions and procedures
at Allo Bank.
Pelaporan rutin BMPK kepada OJK atau Bank Indonesia dilakukan Routine LLL reporting to OJK or Bank Indonesia is carried out in
secara tepat waktu. Sepanjang tahun 2023 tidak terdapat a timely manner. Throughout 2023 there were no violations or
pelanggaran atau pelampauan atas BMPK (Batas Maksimum exceedances of the LLL (Maximum Lending Limit). Provision of
Pemberian Kredit). Penyediaan Dana kepada Pihak Terkait (Related Funds to Related Parties and to Individual and Group Core Debtors
Party) dan kepada Debitur Inti Individu dan Grup (Large Exposure) (Large Exposure) in Banks during 2023:
di Bank selama tahun 2023:
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Jumlah
Total
Penyediaan Dana
Provision of Funds Nominal
Debitur/Grup
(Rp)
Debtors/Group
(IDR)
Kepada Pihak Terkait | To Related Parties 26 250.752
Kepada Debitur Inti:
To Core Debtors:
• Individu | Individual 2 97.099
• Grup | Group 7 6.603.049
Buy Back Share dan/atau
Buyback Obligasi Bank
Buy Back Shares and/or Buyback Bank Bonds
Per 31 Desember 2023, Allo Bank tidak melakukan pembelian As of December 31, 2023, Allo Bank did not buy back shares and/
kembali atas saham dan/atau obligasi yang diterbitkan. Dengan or bonds issued. Thus, no information regarding this matter can
demikian, tidak terdapat informasi mengenai hal tersebut yang be presented in this Annual Report.
dapat disajikan dalam Laporan Tahunan ini.
Transaksi yang
Mengandung Benturan
Kepentingan
Transactions Involving Conflicts of Interest
Sampai dengan akhir tahun 2023, tidak terdapat transaksi yang Until the end of 2023, there were no transactions containing
mengandung benturan kepentingan yang memberi dampak secara conflicts of interest that had a material impact, both in terms of
material, baik dari sisi keuangan maupun operasional Bank. Meski the Bank’s finances and operations. However, the Bank has activities
demikian, Bank memiliki aktivitas berupa transaksi dengan pihak in the form of transactions with affiliated parties in the business
afiliasi dalam grup usaha. group, including rental transactions for building space.
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Seluruh transaksi afiliasi telah diproses sesuai ketentuan dan All affiliate transactions have been processed in accordance with
didukung dengan Perjanjian Kerjasama serta diadministrasikan the provisions and supported by the Cooperation Agreement and
dengan baik oleh Bank dan dilakukan secara wajar (arm’s length are properly administered by the Bank and carried out fairly (arm’s
principle), sebagaimana disajikan dalam tabel berikut: length principle), as presented in the following table:
Total Transaksi
Total Transaction
Pihak yang Memiliki
Pihak Penyewa Deskripsi Sewa
No. Gedung
Tenant Rental Description 2023 2022
Building Owner Party
(Rp Juta) (Rp Juta)
(IDR Million) (IDR Million)
1 PT Bank Mega Tbk PT Allo Bank Indonesia Tbk Ruang Kantor untuk kegiatan 9,776 11.705
operasional Perseroan
Office space for the
Company’s operational
activities
Program Kepemilikan
Saham oleh Manajemen
dan/atau Karyawan
Share Ownership Program for
Management and/or Employees
Per 31 Desember 2023, Bank tidak memiliki program kepemilikan As of December 31, 2023, the Bank did not have a share ownership
saham oleh manajemen dan/atau karyawan. Dengan demikian, program by management and/or employees. Thus, no information
tidak terdapat informasi terkait hal tersebut yang dapat disajikan related to this matter can be presented in this Annual Report.
dalam Laporan Tahunan ini.
Internal Fraud
Internal Fraud
Allo Bank melakukan berbagai upaya pencegahan terhadap Allo Bank makes various efforts to prevent the possibility of internal
kemungkinan terjadinya internal fraud, diantaranya dengan cara: fraud, including by:
1. Menyelenggarakan sosialisasi dan training secara online atau 1. Organize online or offline socialization and training for
offline kepada seluruh karyawan. all employees.
2. Melakukan diskusi secara reguler dengan dengan manajemen 2. Hold regular discussions with management to improve fraud
untuk meningkatkan kemampuan deteksi fraud. detection capabilities.
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3. Melakukan investigasi kasus fraud dan memberikan rekomendasi 3. Investigate fraud cases and provide recommendations for
perbaikan yang tepat agar kasus fraud tidak terulang kembali. appropriate improvements so that fraud cases do not recur.
4. Memberikan sanksi tegas kepada karyawan yang terlibat 4. Provide strict sanctions to employees who are involved in fraud
kasus fraud secara langsung ataupun tidak langsung sebagai cases directly or indirectly as a lesson and a deterrent effect
pembelajaran dan efek jera bagi karyawan lain. for other employees.
5. Melakukan fungsi Know Your Employee, salah satunya dengan 5. Carrying out the Know Your Employee function, one of which is
melakukan pemeriksaan slik untuk setiap calon karyawan dan by conducting a license check for each prospective employee
karyawan existing setiap tahunnya. and existing employee every year.
6. Menerbitkan fraud alert atau fraud awareness berupa tulisan 6. Issue a fraud alert or fraud awareness in the form of writing and
dan disebarkan melalui e-mail dan desktop wallpaper yang distribute it via e-mail and desktop wallpaper which informs all
menginformasikan kepada seluruh karyawan tentang risiko fraud. employees about the risk of fraud.
Jumlah kasus penyimpangan internal fraud selama periode Tahun The number of cases of internal fraud irregularities during the
2023 adalah nihil, sesuai dengan pelaporan Pelaporan Penerapan 2023 period was zero, in accordance with the Reporting on the
Strategi Anti Fraud Semester I dan Semester II tahun 2023 ke Implementation of Anti-Fraud Strategy Semester I and Semester
OJK. Bank telah memiliki dan menjalankan fungsi deteksi melalui II 2023 to the OJK. The Bank has and carries out a detection
whistleblowing system dan SKAI telah melakukan fungsi investigasi function through a whistleblowing system and SKAI has carried out
sesuai dengan penerapan Strategi Anti-Fraud. an investigative function in accordance with the implementation
of the Anti-Fraud Strategy.
Kebijakan Anti Korupsi
Anti-Corruption Policy
Dewan Komisaris, Direksi, serta seluruh Insan Bank senantiasa The Board of Commissioners, Directors, and all Bank Personnel
menjunjung tinggi persaingan yang fair, nilai sportifitas dan always uphold fair competition, the values of sportsmanship and
profesionalisme, serta prinsip-prinsip GCG. Perusahaan juga professionalism, as well as GCG principles. The Company is also
berkomitmen untuk menciptakan iklim usaha yang sehat, committed to creating a sound business climate, avoiding actions,
menghindari tindakan, perilaku ataupun perbuatan-perbuatan behavior or actions that could give rise to conflicts of interest,
yang dapat menimbulkan konflik kepentingan, Korupsi, Kolusi Corruption, Collusion and Nepotism (KKN) and always prioritizing
dan Nepotisme (KKN) serta selalu mengutamakan kepentingan the Bank’s interests above personal, family, group or group interests.
Bank di atas kepentingan pribadi, keluarga, kelompok ataupun The Bank also always pays attention to anti-corruption policies as
golongan. Bank juga senantiasa memperhatikan kebijakan tentang written in Law no. 20 of 2001 concerning Amendments to Law no.
anti korupsi seperti yang tertulis dalam Undang-Undang No. 20 31 of 1999 concerning Eradication of Corruption Crimes.
Tahun 2001 tentang Perubahan atas Undang-Undang No. 31 Tahun
1999 tentang Pemberantasan Tindak Pidana Korupsi.
Prinsip-prinsip dari kebijakan anti suap dan korupsi telah disusun The principles of the anti-bribery and corruption policy have been
dalam kode etik (code of conduct) yang menjabarkan nilai-nilai compiled in a code of conduct which describes the values adhered
yang dianut oleh Bank serta menetapkan standar perilaku seluruh to by the Bank and sets standards of behavior for all levels of Allo
jajaran Allo Bank dan sebagai salah satu bentuk pernyataan prinsip Bank and as a form of statement of the Bank’s principles and
dan komitmen Bank dalam mendukung praktik anti suap dan commitment in supporting anti-bribery and corruption practices.
korupsi yang dikategorikan juga sebagai tindakan kecurangan. Bribery and corruption are also categorized as acts of fraud. The
Penerapan Kode Etik ini juga bertujuan untuk melindungi Bank dan implementation of this Code of Ethics also aims to protect the
seluruh karyawan dari dampak negatif seperti risiko hukum, kerugian Bank and all employees from negative impacts such as legal risks,
finansial, reputasi negatif dan untuk menjaga kepercayaan seluruh financial losses, negative reputation and to maintain the trust of all
pemegang saham, pemangku kepentingan, dan masyarakat luas. shareholders, stakeholders and the wider community.
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Sistem Pelaporan
Whistleblowing
Whistleblowing Reporting System
Allo Bank berkomitmen untuk mewujudkan Tata Kelola Allo Bank is committed to implementing comprehensive
Perusahaan yang Baik secara komprehensif. Untuk Good Corporate Governance. For this reason, the Bank
itu, Bank telah memiliki mekanisme untuk mengelola has a mechanism to manage and follow up on all types
dan menindaklanjuti segala jenis tindakan yang of actions that violate company rules and values with
melanggar aturan dan nilai-nilai perusahaan dengan the principle of whistleblower confidentiality in the
prinsip kerahasiaan pelapor dalam Sistem Pelaporan Whistleblowing System.
Pelanggaran (Whistleblowing System).
Sistem Pelaporan Pelanggaran Bank dikelola oleh Fraud The Bank Fraud Reporting System is managed by Fraud
Management – Internal Audit yang mengacu pada Management – Internal Audit which refers to a number
sejumlah ketentuan, yaitu: of provisions, namely:
• Peraturan OJK No. 55/POJK.03/2016 tentang • O J K Re g u l at i o n N o. 5 5 / P O J K .03 /2 0 1 6
Penerapan Tata Kelola bagi Bank Umum. concerning Implementation of Governance for
Commercial Banks.
• Peraturan OJK No. 39/POJK.03/2019 tentang • OJK Regulation No. 39/POJK.03/2019 concerning
Penerapan Strategi Anti-Fraud bagi Bank Umum. Implementation of Anti-Fraud Strategies for
Commercial Banks.
Bank senantiasa memastikan perlindungan bagi Pelapor The Bank always ensures protection for Whistleblowers
dengan memastikan setiap laporan dijaga dan dijamin by ensuring that every report is protected and
kerahasiaannya. Bagi pihak-pihak yang melihat atau guaranteed confidentiality. For parties who see or are
mengetahui adanya indikasi pelanggaran atau fraud di aware of indications of violations or fraud within the
lingkungan Bank dapat mengirimkan laporannya melalui Bank, they can send their reports via the WBS channel
kanal WBS yang disediakan oleh Bank, antara lain: provided by the Bank, including:
E-mail : whistleblow@allobank.com Email : whistleblow@allobank.com
WhatsApp : 082208242401 WhatsApp : 082208242401
Di tahun 2023, Bank mendapati adanya 3 (tiga) laporan In 2023, the Bank found that there were 3 (three)
yang masuk melalui mekanisme WBS dengan rincian reports submitted through the WBS mechanism with
sebagai berikut: the following details:
Penjelasan Jumlah
Explanation Total
Jumlah pengaduan yang masuk 3
Number of complaints received
Terindikasi Fraud -
Indicated Fraud
Tidak terindikasi Fraud 3
There is no indication of fraud
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Kesesuaian Penerapan GCG
Allo Bank Terhadap Pedoman
Tata Kelola Perusahaan Terbuka
Conformity of Allo Bank GCG
Implementation with the Governance
Guidelines for Public Companies
Sebagai Perusahaan Terbuka, Allo Bank berkomitmen menerapkan Allo Bank as a Public Company is committed to implementing the
Pedoman Tata Kelola Perusahaan Terbuka yang mencakup 5 (lima) Governance Guidelines for Public Company which comprise 5 (five)
aspek, 8 (delapan) prinsip tata kelola perusahaan yang baik, serta aspects, 8 (eight) principles of good corporate governance, and 25
25 (dua puluh lima) rekomendasi penerapan aspek dan prinsip (twenty-five) recommendations for the implementation of aspects
tata kelola perusahaan yang baik, sebagaimana yang diatur dalam and principles of good corporate governance, as stipulated in OJK
Peraturan OJK No. 21/POJK.04/2015 tentang Penerapan Pedoman Regulation No. 21/POJK.04/2015 concerning Implementation of
Tata Kelola Perusahaan Terbuka dan Surat Edaran OJK No. 32/ Governance Guidelines for Public Companies and OJK Circular
SEOJK.04/2015 tentang Pedoman Tata Kelola Perusahaan Terbuka. Letter No. 32/SEOJK.04/2015 concerning Governance Guidelines
for Public Companies.
Penerapan Pedoman Tata Kelola Perusahaan Terbuka di lingkup Implementation of the Governance Guidelines for Public Companies
Bank pada tahun 2023, sebagai berikut: at Bank in 2023 is as follows:
Aspek I. Hubungan Perusahaan Terbuka dengan Pemegang Saham dalam Menjamin Hak-hak Pemegang Saham
Aspect I. Relationship of Publicly Listed Company with Shareholders in Guaranteeing Shareholders Rights.
Pemenuhan:
Prinsip Rekomendasi Terpenuhi atau Jelaskan
Principle Recommendation Compliance:
Comply or Explain
Prinsip 1 Perusahaan Terbuka memiliki cara atau prosedur teknis
Meningkatkan Nilai Penyelenggaraan RUPS pengumpulan suara (voting) baik secara terbuka maupun
tertutup yang mengedepankan independensi, dan kepentingan
TERPENUHI
Principle 1 pemegang saham.
COMPLY
Increase the Value of GMS Holding Public Company has technical procedures for voting either
open or closed that promote independence and the interests
of shareholders.
Seluruh anggota Direksi dan anggota Dewan Komisaris
Perusahaan Terbuka hadir dalam RUPST. TERPENUHI
All members of the Board of Directors and Board of COMPLY
Commissioners of Public Company attend in the AGMS.
Ringkasan risalah RUPS tersedia dalam Situs Web Perusahaan
Terbuka paling sedikit selama 1 (satu) tahun. TERPENUHI
Summary minutes of the AGMS are available on the website of COMPLY
the Public Company for at least 1 (one) year.
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Pemenuhan:
Prinsip Rekomendasi Terpenuhi atau Jelaskan
Principle Recommendation Compliance:
Comply or Explain
Prinsip 2 Perusahaan Terbuka memiliki suatu kebijakan komunikasi
Meningkatkan Kualitas Komunikasi dengan pemegang saham atau investor. TERPENUHI
Perusahaan Terbuka dengan Pemegang Public Company has a communication policy with shareholders COMPLY
Saham atau Investor. or investors.
Principle 2 Perusahaan Terbuka mengungkapkan kebijakan komunikasi
Increase the Quality of Public Company’s Perusahaan Terbuka dengan pemegang saham atau investor
TERPENUHI
Communications with Shareholders dalam Situs Web.
COMPLY
or Investors. Public Company discloses communication policy with
shareholders or investors on the Website
Aspek II. Fungsi dan Peran Dewan Komisaris
Aspect II. Function and Role of the Board of Commissioners
Pemenuhan:
Prinsip Rekomendasi Terpenuhi atau Jelaskan
Principle Recommendation Compliance:
Comply or Explain
Prinsip 3 Penentuan jumlah anggota Dewan Komisaris
Memperkuat Keanggotaan dan Komposisi mempertimbangkan kondisi Perusahaan Terbuka. TERPENUHI
Dewan Komisaris Determination of the number of the Board of Commissioners COMPLY
members has considered the Public Company’s condition.
Principle 3
Strengthen Membership and Composition Penentuan komposisi anggota Dewan Komisaris memperhatikan
of the Board of Commissioners keberagaman keahlian, pengetahuan, dan pengalaman
yang dibutuhkan. TERPENUHI
Determination of Board of Commissioners Composition COMPLY
has considered the diversity of skills, knowledge and
experience required.
Prinsip 4 Dewan Komisaris mempunyai kebijakan penilaian sendiri (self-
Meningkatkan Kualitas Pelaksanaan Tugas assessment) untuk menilai kinerja Dewan Komisaris TERPENUHI
dan Tanggung Jawab Dewan Komisaris. Board of Commissioners has in place self-assessment policy to COMPLY
assess its performance.
Principle 4
Enhance the Quality of Board of Kebijakan penilaian sendiri (self-assessment) untuk menilai
Commissioners Duties and Responsibilities kinerja Dewan Komisaris, diungkapkan melalui Laporan Tahunan
Implementation Perusahaan Terbuka. TERPENUHI
Self-assessment to assess the performance of the Board COMPLY
of Commissioners is disclosed in the Annual Report of the
Public Company.
Dewan Komisaris mempunyai kebijakan terkait pengunduran
diri anggota Dewan Komisaris apabila terlibat dalam
kejahatan keuangan. TERPENUHI
Board of Commissioners has a policy on the resignation COMPLY
of Board of Commissioners members when engaged in
financial crime.
Dewan Komisaris atau Komite yang menjalankan fungsi
Remunerasi dan Nominasi menyusun kebijakan suksesi dalam
proses Nominasi anggota Direksi. TERPENUHI
Board of Commissioners or the Committee carrying out COMPLY
Remuneration and Nomination function formulates succession
policy in the Nomination of Board of Directors members.
Laporan Tahunan & Laporan Keberlanjutan 2023
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Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 437
Aspek III. Fungsi dan Peran Direksi
Aspect III. Function and Role of the Board of Directors
Pemenuhan:
Prinsip Rekomendasi Terpenuhi atau Jelaskan
Principle Recommendation Compliance:
Comply or Explain
Prinsip 5 Penentuan jumlah anggota Direksi mempertimbangkan
Memperkuat Keanggotaan dan kondisi Perusahaan Terbuka serta efektivitas dalam
Komposisi Direksi. pengambilan keputusan. TERPENUHI
Determination of the number of the Board of Directors members COMPLY
Principle 5 has considered Public Company's condition and effectiveness in
Strengthening the Membership and decision making.
Composition of the Board of Directors.
Penentuan komposisi anggota Direksi memperhatikan
keberagaman keahlian, pengetahuan, dan pengalaman
yang dibutuhkan. TERPENUHI
Determination of the composition of Board of Directors COMPLY
members has considered diversity of skills, knowledge, and
experience needed.
Anggota Direksi yang membawahi bidang akuntansi atau
keuangan memiliki keahlian dan/atau pengetahuan di
TERPENUHI
bidang akuntansi.
COMPLY
Board of Directors Member in charge of accounting or finance
has expertise and/or knowledge in accounting.
Prinsip 6 Direksi mempunyai kebijakan penilaian sendiri (self-assessment)
Meningkatkan Kualitas Pelaksanaan Tugas untuk menilai kinerja Direksi. TERPENUHI
dan Tanggung Jawab Direksi. Board of Directors has its own selfassessment policy to assess COMPLY
their performance.
Principle 6
Enhance the Quality of Board of Directors Kebijakan penilaian sendiri (self-assessment) untuk menilai
Duties and Responsibilities Implementation kinerja Direksi diungkapkan melalui laporan tahunan
Perusahaan Terbuka. TERPENUHI
Self-assessment policy to assess the Board of Directors COMPLY
performance is disclosed through annual report of
Public Company.
Direksi mempunyai kebijakan terkait pengunduran diri anggota
Direksi apabila terlibat dalam kejahatan keuangan. TERPENUHI
Board of Directors has a policy regarding resignation of the COMPLY
Board of Directors members engaged in financial crime
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Aspek IV: Partisipasi Pemangku Kepentingan
Aspect IV: Stakehoders’ Participation
Pemenuhan:
Prinsip Rekomendasi Terpenuhi atau Jelaskan
Principle Recommendation Compliance:
Comply or Explain
Prinsip 7 Perusahaan Terbuka memiliki kebijakan untuk mencegah
TERPENUHI
Meningkatkan Aspek Tata Kelola terjadinya insider trading.
COMPLY
Perusahaan melalui Partisipasi Pemangku Public Company has a policy to prevent insider trading.
Kepentingan
Perusahaan Terbuka memiliki kebijakan antikorupsi dan
TERPENUHI
Principle 7 anti fraud.
COMPLY
Improve Corporate Governance Aspect Public Company has anti-corruption and anti-fraud policy.
through Stakeholders’ participation
Perusahaan Terbuka memiliki kebijakan tentang seleksi dan
peningkatan kemampuan pemasok atau vendor. TERPENUHI
Public Company has a policy of vendor selection and COMPLY
enhancement of suppliers or vendors’ ability
Perusahaan Terbuka memiliki kebijakan tentang pemenuhan
hak-hak kreditur. TERPENUHI
Public company has a policy on the fulfillment of the rights COMPLY
of creditors.
Perusahaan Terbuka memiliki kebijakan sistem whistleblowing TERPENUHI
Public company has a whistleblowing system policy COMPLY
Perusahaan Terbuka memiliki kebijakan pemberian insentif
jangka panjang kepada Direksi dan karyawan TERPENUHI
Public company has a policy to give long-term incentives to the COMPLY
Board of Directors and employees
Aspek V. Keterbukaan Informasi
Aspect V. Information Disclosure
Pemenuhan:
Prinsip Rekomendasi Terpenuhi atau Jelaskan
Principle Recommendation Compliance:
Comply or Explain
Prinsip 8 Perusahaan Terbuka memanfaatkan penggunaan teknologi
Meningkatkan Pelaksanaan informasi secara lebih luas selain Situs Web sebagai media
TERPENUHI
Keterbukaan Informasi. keterbukaan informasi.
COMPLY
Public company utilizes the information technology more widely
Principle 8 in addition to the website as a media for information disclosure.
Improve the Implementation of Information
Disclosure Laporan Tahunan Perusahaan Terbuka mengungkapkan pemilik
manfaat akhir dalam kepemilikan saham Perusahaan Terbuka
paling sedikit 5% (lima persen), selain pengungkapan pemilik
manfaat akhir dalam kepemilikan saham Perusahaan Terbuka
melalui pemegang saham utama dan pengendali. TERPENUHI
Annual report Public company disclose the ultimate beneficial COMPLY
owner in Shareholding of Public Company’s shares at least 5%
(five percent), an addition to the disclosure ultimate beneficial
owner in Public Company’s share ownership through principal
and controlling shareholders.
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Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 439
Transparansi Praktik
Bad Governance
Transparency of Bad Governance Practices
Selama tahun 2023, Bank tidak melakukan tindakan During 2023, the Bank did not take any actions
ataupun kebijakan yang berkaitan dengan praktik Bad or policies related to Bad Corporate Governance
Corporate Governance selaras dengan upaya Bank practices in line with the Bank’s efforts to implement
untuk menerapkan Tata Kelola Perusahaan yang Baik, Good Corporate Governance, as reflected in the
sebagaimana tercermin pada tabel berikut: following table:
Praktik Keterangan
No
Practice Decription
1 Laporan atas aktivitas Perseroan yang mencemari lingkungan
Reports on the Company's activities that pollute the environment
2 Perkara penting yang sedang dihadapi oleh Perseroan, entitas anak, anggota Direksi
dan/atau anggota Dewan Komisaris yang sedang menjabat tidak diungkapkan dalam
Laporan Tahunan
Important cases being faced by the Company, its subsidiaries, members of the Board of
Directors and/or members of the Board of Commissioners who are currently serving are
not disclosed in the Annual Report
3 Ketidakpatuhan dalam pengungkapan pemenuhan kewajiban perpajakan
Non-compliance in disclosing the tax obligations fulfillment
4 Ketidaksesuaian penyajian Laporan Tahunan dengan peraturan yang berlaku
Inconsistency in the presentation of the Annual Report with applicable regulations
5 Tidak terdapat pengungkapan segmen operasi pada Laporan Keuangan
There is no disclosure of operating segments in the Financial Report
6 Kasus terkait buruh dan karyawan
Cases related to workers and employees
7 Ketidaksesuaian antara Buku Laporan Tahunan dengan Laporan Tahunan Digital
Incompatibility between the Annual Report Book and the Digital Annual Report
= Ada | Yes
= Tidak ada | Nothing
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 441
06
Laporan
Keberlanjutan
Sustainability
Report
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Ikhtisar Kinerja
Keberlanjutan 2023
2022 Sustainable Performance Highlight
Deskripsi Satuan
2023 2022 2021
Description Unit
Kinerja Aspek Ekonomi [OJK B.1]
Economic Aspect Performance [OJK B.1]
Pendapatan Operasional Bank* Juta Rupiah
1.159.330 760.749 301.156
The Bank Operating Income* Million Rupiah
Laba (Rugi) Bersih Bank* Juta Rupiah
444.566 270.030 192.475
The Bank Net Income (Loss)* Million Rupiah
Kinerja Aspek Ekonomi terkait Keberlanjutan
Economic Aspect Performance related to Sustainability
Jenis produk yang memenuhi Kriteria Kegiatan Unit produk
Usaha Berkelanjutan (KKUB) Product unit
- - -
Type of Products that Meet The Sustainable
Business Activities Criteria (KKUB)
Nominal produk dan/atau jasa yang memenuhi Jutaan Rupiah
Kriteria Kegiatan Usaha Berkelanjutan (KKUB) Million Rupiah
- - -
Products and/or Services Nominal that Meet The
Sustainable Business Activities Criteria (KKUB)
Persentase total portofolio kegiatan usaha berkelanjutan terhadap total portofolio (%):
Percentage of Total Portfolio of Sustainable Business Activities to Total Portfolio (%):
a. Penghimpunan Dana Persen
- - -
Fundrasing Percent
b. Penyaluran Dana Persen
- - -
Fund Distribution Percent
Kinerja Keuangan Inklusif**
Inclusive Financial Performance**
Perkembangan Laku Pandai:
Laku Pandai Development:
a. Jumlah Agen Agen
- - -
Total Agent Agent
b. Nominal produk dan/atau jasa yang Agen
disediakan oleh Agen Agent
- - -
Nominal of Products and/or Services provided
by The Agent
c. Jumlah Agen Agen
- - -
Total Agent Agent
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Tata Kelola Perusahaan yang Baik
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Laporan Keberlanjutan
Sustainability Report 443
Deskripsi Satuan
2023 2022 2021
Description Unit
Kinerja Aspek Lingkungan [OJK B.2]
Environmental Aspect Performance [OJK B.2]
Biaya Penggunaan BBM Jutaan Rupiah
225 220 312
Fuel Cost Million Rupiah
Biaya Penggunaan Listrik Jutaan Rupiah
179 438 819
Electricity Cost Million Rupiah
Biaya Penggunaan Air Jutaan Rupiah
50 12 18
Water Cost Million Rupiah
Dana/CSR bidang lingkungan Jutaan Rupiah
195 24 -
Cost/CSR in Environmental Aspect Million Rupiah
Kinerja Aspek Sosial [OJK B.3]
Social Aspect Performance [OJK B.3]
Jumlah total pegawai Pria (Orang)
233 159 86
Total Employees Male (People)
Wanita (Orang)
147 103 43
Female (People)
Pengurus kantor pusat bank berdasarkan jenis Pria (Orang)
23 23 13
kelamin Male (People)
The Bank Head Office management based on
Gender Wanita (Orang)
8 9 4
Female (People)
Kepala kantor cabang berdasarkan jenis kelamin Pria (Orang)
2 2 5
Head of Branch Office based on Gender Male (People)
Wanita (Orang)
0 0 2
Female (People)
* Data diambil dari Laporan Tahunan Bank | The data is taken from the Bank’s Annual Report
** Data diambil dari Laporan Laku Pandai | The data is taken from Laku Pandai Annual Report
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Penjelasan Direksi
The Board of Directors
Explanation
[OJK D.1]
Pemegang Saham dan Pemangku Dear Respected Shareholders
Kepentingan yang Terhormat, and Stakeholders,
Puji syukur kami panjatkan ke hadirat Tuhan yang We extend our gratitude for the presence of God
Maha Esa karena atas kehendak-Nya, PT Allo Bank Almighty, as by His will, PT Allo Bank Indonesia Tbk
Indonesia Tbk dapat melalui tahun 2023 dengan successfully navigated through 2023, demonstrating its
membukukan kinerja terbaik. Total aset, penyaluran best performance. Total assets, credit distribution, Third
kredit, penghimpunan Dana Pihak Ketiga, Ekuitas, Party Funds collection, Equity, Operating Income, and
Pendapatan Operasional dan Laba Bersih meningkat Net Profit all experienced increases compared to the
dibanding tahun sebelumnya. Kinerja yang baik ini previous year. This commendable performance reflects
merupakan cerminan atas ketepatan kebijakan dan the efficacy of the strategic policies and initiatives
inisiatif strategis tahun 2023 yang diimplementasikan implemented consistently by all members of the Bank's
secara konsisten oleh segenap manajemen dan management and staff throughout 2023.
karyawan Bank.
Selain faktor internal, pencapaian tersebut merupakan Beyond internal factors, this achievement has had
dampak positif atas tercapainya pertumbuhan ekonomi a positive impact on the attainment of sustainable
Indonesia berkelanjutan pada tahun 2023, yaitu 5,05% economic growth in Indonesia, recording a 5.05%
year on year (y-on-y). Pertumbuhan tersebut ditopang year-on-year (y-on-y) increase. This growth was
oleh bertumbuhnya 17 lapangan usaha yang menjadi bolstered by advancements across 17 business sectors,
dasar perhitungan bagi Badan Pusat Statistik (BPS) forming the foundation for the Central Statistics Agency
menyusun angka pertumbuhan ekonomi tahunan. Di (BPS) to compile annual economic growth figures.
antara lapangan usaha yang mengalami pertumbuhan Notably, Financial Services and Insurance experienced
adalah Jasa Keuangan dan Asuransi yang tumbuh a remarkable growth of 4.77%, a substantial rise
sebesar 4,77%, naik signifikan dibanding tahun 2022, compared to the 1.93% recorded in 2022.
yang mencapai 1,93%.
Melalui laporan keberlanjutan inilah, berbagai In this sustainability report, we outline various
pencapaian aspek ekonomi Bank kami sampaikan. accomplishments in the Bank's economic aspects. As
Sebagaimana diatur dalam Peraturan Otoritas Jasa stipulated in Financial Services Authority Regulation
Keuangan No. 51/POJK.03/2017 tentang Penerapan no. 51/POJK.03/2017 regarding the Implementation of
Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Sustainable Finance for Financial Services Institutions,
Emiten dan Perusahaan Publik atau POJK Keuangan Issuers, and Public Companies, or POJK Sustainable
Berkelanjutan, laporan ini juga menyampaikan Finance, this report also highlights performance
pencapaian kinerja aspek sosial dan lingkungan. achievements in social and environmental dimensions.
Dukungan Allo Bank terhadap Keuangan Allo Bank's Commitment to Sustainable
Berkelanjutan Finance
Indonesia secara konsisten menjalankan pembangunan Indonesia consistently upholds sustainable development
berkelanjutan sebagai amanat perundang-undangan. as mandated by law. In corresponding with Law No.
Sesuai dengan Undang-Undang No. 32 tahun 2009 32 of 2009 concerning Environmental Protection
tentang Perlindungan dan Pengelolaan Lingkungan and Management, sustainable development involves
Hidup, pembangunan berkelanjutan adalah upaya sadar a deliberate and planned effort that integrates
dan terencana yang memadukan aspek lingkungan environmental, social, and economic aspects into
Laporan Tahunan & Laporan Keberlanjutan 2023
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Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 445
Indra Utoyo
Direktur Utama
President Director
hidup, sosial, dan ekonomi ke dalam strategi pembangunan development strategies, ensuring the integrity of the environment
untuk menjamin keutuhan lingkungan hidup serta keselamatan, and the well-being, capabilities, and quality of life of both present
kemampuan, kesejahteraan, dan mutu hidup generasi masa kini and future generations.
dan generasi masa depan.
Untuk mendukung terlaksananya pembangunan berkelanjutan, To advance sustainable development, the government has issued
pemerintah mengeluarkan berbagai regulasi dan kebijakan. various regulations and policies, including the 2017 POJK Sustainable
Salah satunya adalah POJK Keuangan Berkelanjutan tahun 2017. Finance. In compliance with these regulations, Allo Bank, as a public
Sesuai peraturan tersebut, dalam statusnya sebagai perusahaan company, is obligated to implement sustainable finance since
publik, Allo Bank terkena kewajiban untuk menerapkan keuangan January 1, 2021. Sustainable finance entails comprehensive support
berkelanjutan per 1 Januari 2021. Keuangan berkelanjutan tak from the financial services sector to foster sustainable economic
lain adalah dukungan menyeluruh dari sektor jasa keuangan growth by aligning economic, social, and environmental interests.
untuk menciptakan pertumbuhan ekonomi berkelanjutan dengan
menyelaraskan kepentingan ekonomi, sosial, dan lingkungan hidup.
Dukungan Allo Bank terhadap keuangan berkelanjutan diwujudkan Allo Bank's commitment to sustainable finance materializes through
melalui penyusunan Rencana Aksi Keuangan Berkelanjutan (RAKB), the formulation of a Sustainable Finance Action Plan (RAKB), an
yang menjadi bagian tak terpisahkan dari Rencana Bisnis Bank, integral component of the Bank's Business Plan. This plan outlines
dimana Bank menuangkan berbagai rencana, program dan strategic initiatives, programs, and policies in accordance with
kebijakan strategis sebagai implementasi prinsip-prinsip keuangan sustainable finance principles. Additionally, in compliance with
berkelanjutan. Bentuk dukungan yang lain, seperti diatur dalam the Sustainable Finance POJK, the Bank allocates a portion of
POJK Keuangan Berkelanjutan, Bank mengalokasikan sebagian funds to finance various Social and Environmental Responsibility
dana untuk membiayai berbagai program Tanggung Jawab Sosial (TJSL) programs.
dan Lingkungan (TJSL).
Bentuk dukungan lain Allo Bank terhadap keuangan berkelanjutan Furthermore, Allo Bank demonstrates its support for sustainable
adalah pengelolaan kantor yang ramah lingkungan. Dalam statusnya finance through environmentally friendly office management. As a
sebagai Bank umum berbasis digital, operasional Bank sangat ramah digital-based commercial bank, the Bank's operations are inherently
lingkungan. Keberadaan kantor secara fisik misalnya, sangat minimal eco-friendly. The physical footprint of its offices is minimized,
sehingga mengurangi penggunaan energi, sekaligus mengurangi resulting in reduced energy consumption and greenhouse gas
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tingkat emisi gas rumah kaca. Jumlah kantor operasional yang emissions. Moreover, the limited number of operational offices
sedikit juga mengurangi volume penggunaan air, timbulan sampah contributes to lower water usage and waste generation, among
dan sebagainya. other environmental benefits.
Kebijakan Allo Bank untuk Merespons Tantangan Allo Bank's Approach to Addressing Challenges in
dalam Pemenuhan Strategi Keberlanjutan Achieving Sustainability Goals
Allo Bank menjalankan usaha dengan berpegang pada nilai- Allo Bank operates in accordance with the Company's core values,
nilai Perusahaan, yaitu Data-driven, Impact, Growth, In harmony, which are Data-driven, Impactful, Growth-oriented, In harmony,
Transparency, Agility, dan Learning. Nilai keberlanjutan tersebut Transparent, Agile, and Learning-focused. These values form the
dibangun dengan nilai-nilai yang diyakini dan menjadi perilaku foundation of Allo Bank's sustainability ethos, guiding the daily
keseharian serta kebiasaan seluruh personel Allo Bank. behaviors and habits of all personnel. Allo Bank is committed to
Merujuk pada nilai keberlanjutan tersebut, selanjutnya Allo delivering optimal performance by upholding the Code of Conduct
Bank berkomitmen untuk mewujudkan kinerja terbaik dengan as the primary rule governing its relationships with all stakeholders.
berpedoman pada Kode Etik (Code of Conduct) sebagai aturan To reinforce this commitment, Allo Bank consistently engages in
main dalam menjalin hubungan dengan semua pemangku outreach activities through various channels and media, targeting
kepentingan. Untuk mengukuhkan komitmen tersebut, Allo Bank both internal and external stakeholders.
secara berkesinambungan melakukan sosialisasi melalui berbagai
kegiatan dan media, baik kepada pemangku kepentingan internal
maupun eksternal.
Bagi Allo Bank, sosialisasi nilai keberlanjutan, terutama kepada For Allo Bank, raising awareness about the value of sustainability,
pemangku kepentingan eksternal, terkhusus masyarakat, merupakan particularly among external stakeholders and the community, serves
sarana untuk menyerap berbagai isu atau topik yang berkembang as a means to stay attuned to emerging societal issues and topics.
di tengah masyarakat. Allo Bank telah berupaya semaksimal The Bank endeavors to ensure that its operations yield maximum
mungkin agar keberadaannya membawa manfaat sebesar-besarnya benefits for society. However, despite these efforts, the potential
bagi masyarakat. Walau demikian, potensi permasalahan sosial for social and environmental challenges persists. To proactively
dan lingkungan di tengah masyarakat tetaplah ada. Untuk itu, address this, Allo Bank has established a complaint channel
sebagai antisipasi, Allo Bank membuka diri dengan membuka open to stakeholders, including the public. Additionally, the Bank
kanal pengaduan atau keluhan yang bisa dimanfaatkan oleh actively involves stakeholders through its Social and Environmental
para pemangku kepentingan, termasuk masyarakat. Upaya lain Responsibility (TJSL)/Corporate Social Responsibility (CSR) program
untuk memaksimalkan manfaat atas keberadaan Bank adalah to optimize its societal impact.
Bank melibatkan para pemangku kepentingan diantaranya melalui
program Tanggung Jawab Sosial dan Lingkungan (TJSL)/Corporate
Social Responsibility (CSR).
Secara spesifik, dalam memenuhi strategi keberlanjutan bisnis, In its pursuit of business sustainability, Allo Bank has encountered
Allo Bank menghadapi sejumlah tantangan dan berhasil melalui and successfully navigated several challenges. These challenges
dengan baik. Tantangan tersebut antara lain berkaitan dengan include enhancing collaboration with various strategic partners and
kemampuan Bank dalam menguatkan kolaborasi dengan berbagai ecosystems, recognizing that collaboration and integration require
mitra strategis atau ekosistem-ekosistem lain, mengingat kolaborasi readiness and agility from all parties involved. Another challenge
dan integrasi memerlukan kesiapan dan kecepatan di kedua pihak. related to securing regulatory approvals for various product
Tantangan berikutnya berkaitan dengan upaya Bank mengajukan developments undertaken in 2023. Allo Bank acknowledges and
berbagai izin ke regulator atas berbagai produk yang dikembangkan appreciates the regulatory support received in this regard. Equally
selama tahun 2023. Dalam hal ini, Bank menyampaikan apresiasi significant is the challenge of developing a robust underwriting and
kepada regulator atas support perizinan yang diberikan dan credit scoring model for credit distribution to effectively manage
pengawasan yang dilakukan. Tak kalah pentingnya adalah tantangan Non-Performing Loans (NPL) and fraud risks.
untuk membangun model underwriting dan credit scoring untuk
penyaluran kredit yang robust supaya bisa mengelola risiko NPL
dan fraud dengan baik.
Sebagaimana prinsip keberlanjutan, Allo Bank secara maksimal Aligned with the principle of sustainability, Allo Bank constantly
berupaya untuk menyelaraskan pencapaian kinerja aspek ekonomi, strives to balance economic, social, and environmental performance.
sosial dan lingkungan. Komitmen tersebut membuahkan apresiasi This commitment has garnered recognition from external entities,
dari pihak eksternal dengan pemberian penghargaan selama tahun with accolades received during the reporting year, including the
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pelaporan di antaranya Gold Award of Brand Advocates Allo Bank Gold Award for Brand Advocates Allo Bank Digital Bank in the
Digital Bank on Youth Choice Award 2023 oleh Marketeers; Top Youth Choice Award 2023 by Marketeers, the Top Winner in KBMI
Winner in KBMI 2 Category dan Bapak Indra Utoyo selaku Direktur 2 Category, and Mr. Indra Utoyo's recognition as a Top 10 Banking
Utama Allo Bank mendapat pengakuan atas Top 10 Banking CEO CEO in the 2023 Indonesia Top Bank Awards by The Iconomics.
dalam Indonesia Top Bank Awards 2023 oleh The Iconomics; Additionally, the Bank was acknowledged for its "Very Good"
Bank dengan kinerja “Sangat Baik sekaligus berhasil mendapatkan performance and awarded The Best Performance Bank in KBMI
pengakuan pada The Best Performance Bank in KBMI 2 with asset 2 with assets under IDR 50 Trillion in the 28th Infobank Banking
under Rp50 Trillion dalam 28th Infobank Banking Appreciation Appreciation 2023. Furthermore, Allo Bank was recognized as one
2023; “Top 50 Largest Capitalization Public Listed Company” of the "Top 50 Largest Capitalization Public Listed Companies"
oleh Indonesian Institute for Corporate Directorship (IICD); dan by the Indonesian Institute for Corporate Directorship (IICD) and
The Best Performing Bank 2023 with Assets Rp10 - 25tn dari The received The Best Performing Bank 2023 award with Assets IDR
Finance, bagian dari Infobank Media Group. 10 - 25tn from The Finance, a part of the Infobank Media Group.
Penerapan Keuangan Berkelanjutan Tahun 2023 Implementation of Sustainable Finance in 2023
Selama tahun 2023, Allo Bank telah berupaya semaksimal Throughout 2023, Allo Bank constantly pursued the implementation
mungkin untuk melaksanakan keuangan berkelanjutan dengan of sustainable finance, striving to harmonize achievements across
menyelaraskan pencapaian aspek ekonomi, lingkungan hidup, dan economic, environmental, and social dimensions. These efforts
sosial. Upaya tersebut meraih hasil sebagai berikut: yielded significant results:
Kinerja Aspek Ekonomi Economic Performance
Untuk mewujudkan kinerja berkelanjutan, setiap tahun, Allo Bank In pursuit of sustainable performance, Allo Bank meticulously
menyusun dan menerbitkan Rencana Bisnis Bank (RBB) yang prepared and published an annual Bank Business Plan (RBB),
disusun secara matang dan realistis berdasarkan prinsip kehati- emphasizing prudence and robust risk management principles.
hatian dan penerapan manajemen risiko. Di dalamnya, antara lain, The plan outlined strategies to enhance business performance,
disampaikan tentang rencana Allo Bank untuk meningkatkan kinerja considering various internal and external factors that could impact
usaha serta strategi untuk merealisasikan rencana tersebut sesuai the Bank's business continuity; prudence; implementation of risk
target dan waktu yang ditetapkan. Penyusunan rencana bisnis management; and sound banking principles.
senantiasa memperhatikan sejumlah hal, yaitu faktor eksternal
dan internal yang dapat mempengaruhi kelangsungan usaha
Bank; prinsip kehati-hatian; penerapan manajemen risiko; dan
asas perbankan yang sehat.
Selama tahun 2023, segenap manajemen dan karyawan Allo Bank These efforts were reflected throughout 2023 in remarkable financial
telah berupaya secara maksimal untuk mewujudkan target-target achievements: Operational Income surged to IDR1,159,330 million,
tersebut dan membuahkan hasil yang membanggakan. Pendapatan marking a 52.39% increase from 2022; Net Interest Income rose
Operasional tercatat sebesar Rp1.159.330 juta atau naik 52,39% to IDR 1,036,755 million, up by 65.29% from the previous year;
dibanding tahun 2022; Pendapatan Bunga Bersih tercatat sebesar and Net Profit increased to IDR 444,566 million, representing a
Rp1.036.755 juta atau naik 65,29% dibanding tahun 2022; dan 64.64% growth compared to the previous year.
Laba (Rugi) Bersih sebesar Rp444.566 juta atau naik 64,64%
dibanding tahun sebelumnya.
Pencapaian tersebut sejalan dengan peningkatan jumlah akuisisi/ These accomplishments are aligned with the increase in the number
onboarding nasabah hingga akhir tahun 2023 yaitu total 7,6 of customer acquisitions/onboardings until the end of 2023, totaling
juta nasabah. Selain itu, juga selaras dengan keberhasilan Bank 7.6 million customers. Additionally, it aligns with the Bank's success
meningkatkan engagement sehingga nasabah senang dan in enhancing customer engagement, resulting in satisfied customers
sering bertransaksi di Allo Bank. Dalam hal ini, Bank mencatatkan who frequently conduct transactions at Allo Bank. In this regard, the
peningkatan signifikan dalam jumlah transaksi menggunakan QRIS, Bank recorded a significant increase in the number of transactions
transfer melalui BI-Fast maupun pembayaran Bill Payment. using QRIS, transfers via BI-Fast, and Bill Payment payments.
Kinerja Aspek Lingkungan Environmental Performance
Sejalan dengan prinsip keberlanjutan, Allo Bank senantiasa Adhering to sustainability principles, Allo Bank prioritized compliance
merujuk pada berbagai regulasi yang mengatur hubungan antara with regulations governing the banking industry's relationship with
industri perbankan dengan lingkungan. Dalam hal ini, kepatuhan the environment. The Bank implemented measures to preserve and
menjadi dasar pelaksanaan pelestarian dan pengelolaan dampak manage environmental impacts across all its activities, products,
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lingkungan pada seluruh aktivitas, produk dan jasa Bank. Dengan and services. Embracing the precautionary principle, Allo Bank
memperhatikan prinsip kehati-hatian, Allo Bank merilis produk dan introduced environmentally neutral products and services such as
layanan berupa giro, tabungan, deposito dan pinjaman konsumsi current accounts, savings, deposits, and consumer loans (instant
(instant cash dan pay later) yang semuanya tidak berkontribusi cash and pay later), which do not adversely affect the environment.
negatif terhadap lingkungan.
Komitmen Allo Bank terhadap lingkungan juga diwujudkan melalui Allo Bank’s commitment to the environment is manifested through
penerapan operasional kantor yang ramah lingkungan dengan the implementation of environmentally friendly office operations
mengedepankan prinsip 3R (Reduce, Reuse & Recycle). Prinsip by prioritizing the 3R principle (Reduce, Reuse & Recycle). This
tersebut diimplementasikan dalam pengelolaan penggunaan kertas, principle is implemented in managing the use of paper, electrical
energi listrik, bahan bakar minyak, air/air limbah maupun limbah, energy, fuel oil, water/waste water and waste, both waste included
baik limbah yang termasuk dalam Bahan Berbahaya dan Beracun in Hazardous and Toxic Materials (B3) and non-B3B. Efforts to save
(B3) maupun non-B3B. Upaya penghematan antara lain diraih include the use of paper and electricity.
dalam penggunaan kertas dan listrik.
Kinerja Aspek Sosial Social Performance
Allo Bank meyakini kinerja optimal yang diraih tahun 2023 In 2023, Allo Bank recognized that its optimal performance was a
merupakan timbal balik atas pemenuhan tanggung jawab Bank collective effort where stakeholders contributes to this achievement.
terhadap para pemangku kepentingan, baik internal maupun Fulfilling responsibilities to employees as internal stakeholders was
eksternal, di mana masing-masing pemangku kepentingan conducted, among others, by treating them equally to prevent
memberikan kontribusi dalam pencapaian tersebut. Pemenuhan incidents of discrimination, providing equal opportunities to
tanggung jawab kepada karyawan sebagai pemangku kepentingan advance and develop through participation in various education
internal antara lain dilakukan dengan memperlakukan mereka and training, as well as creating a sound and safe work environment
secara setara sehingga tidak terjadi insiden diskriminasi, in accordance with Health and Work Safety (K3).
memberikan peluang yang sama untuk maju dan berkembang
melalui keikutsertaan berbagai pendidikan dan pelatihan, serta
mewujudkan lingkungan kerja yang sehat dan aman sesuai kaidah
Kesehatan dan Keselamatan Kerja (K3).
Untuk nasabah sebagai pemangku kepentingan eksternal selain For customers as external stakeholders, Allo Bank not only
melakukan berbagai inovasi produk dan jasa agar sesuai dengan implements various product and service innovations to meet the
harapan terkini, Bank terus meningkatkan kualitas layanan agar latest expectations but also continuously enhances service quality
semakin efektif dan efisien, sekaligus memudahkan nasabah to make it more effective and efficient. This includes facilitating
bertransaksi di manapun dan kapan pun. Seiring dengan itu, sebagai transactions for customers anytime and anywhere. Furthermore,
bagian dari layanan terbaik serta perlindungan terhadap nasabah, as part of its commitment to providing the best service and
Bank juga berkomitmen untuk menyelesaikan semua pengaduan protection for customers, the Bank is dedicated to resolving all
nasabah sesuai dengan Service Level Agreement (SLA) yang berlaku. customer complaints in accordance with the applicable Service
Level Agreement (SLA)
Hal yang tak kalah penting, Allo Bank melindungi kerahasiaan data No less important, Allo Bank remained committed to maintaining the
nasabah sehingga pada tahun pelaporan tidak ada pengaduan confidentiality of customer data. Consequently, in the reporting year,
berkaitan dengan kebocoran data atau hilangnya data nasabah. there were no complaints related to data leaks or loss of customer
Terkhusus kepada masyarakat sebagai pemangku eksternal yang data. In addition, in its dedication to the community as another
lain, Bank berkomitmen untuk memberdayakan mereka melalui external stakeholder, the Bank disbursed funds amounting to IDR
program TJSL dengan mengeluarkan dana tahun 2023 sebesar 195 million through the TJSL program in 2023. The implementation
Rp195 juta. Implementasi program-program TJSL, sekaligus of TJSL programs represents a real and concrete effort by the Bank
merupakan upaya nyata dan dukungan konkret Bank terhadap towards achieving the Sustainable Development Goals (TPB/SDGs)."
Tujuan Pembangunan Berkelanjutan (TPB/SDGs).
Strategi Pencapaian Target Target Achievement Strategy
Keselarasan merupakan prinsip dasar dalam penerapan keuangan Alignment is a fundamental principle in implementing sustainable
berkelanjutan. Oleh karena itu, Allo Bank meyakini bahwa aspek finance. Therefore, Allo Bank believes that sustainable environmental
lingkungan dan sosial berkelanjutan akan dipengaruhi oleh and social aspects will be influenced by achieving the performance
pencapaian dalam mewujudkan target-target kinerja aspek ekonomi targets for economic aspects presented in the 2023 RBB and
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yang disampaikan dalam RBB dan RAKB Tahun 2023. Untuk itu, RAKB. Therefore, the Bank has established the following strategic
Bank telah menetapkan inisiatif dan langkah strategi sebagai berikut: initiatives and steps:
1. Melakukan penetrasi pasar berkelanjutan ke berbagai 1. Implement sustainable market penetration into various customer
segmentasi nasabah dengan terus memberikan nilai tambah segments by continuing to provide added value through the
(added value) melalui implementasi 3 pilar strategi bisnis Bank implementation of the three pillars of the Bank's business
(acquisition, engagement and monetization); strategy (acquisition, engagement, and monetization).
2. Meningkatkan layanan digital secara signifikan yang berdampak 2. Significantly improve digital services to increase assets
pada peningkatan aset dan liabilitas; and liabilities.
3. Menjalin kolaborasi dengan mitra strategis (strategic partners) 3. Establish collaborations with key ecosystem 3.strategic partners
ekosistem utama melalui penerapan model Open Banking by implementing the Open Banking model to enrich and
untuk memperkaya dan meningkatkan nilai layanan finansial increase the value of financial services provided by the Bank.
yang disediakan oleh Bank;
4. Penguatan data driven organization dengan memanfaatkan 4. Strengthen data-driven organizations by utilizing Artificial
kapabilitas Artificial Intelligence (AI) dan data analytic untuk Intelligence (AI) capabilities and data analytics to enhance the
meningkatkan keunggulan kompetitif Bank; Bank's competitive advantage.
5. Penguatan manajemen risiko menggunakan teknologi terkini 5. Strengthen risk management using the latest technology by
melalui peningkatan IT Maturity dalam rangka memperkuat increasing IT Maturity to bolster Bank operations.
operasional Bank;
6. Pengembangan talenta DIGITAL untuk mencapai kinerja Bank 6. Develop DIGITAL talent to achieve superior Bank performance.
yang unggul; dan
7. Penguatan Good Corporate Governance (GCG) di seluruh 7. Strengthen Good Corporate Governance (GCG) in all Bank
fungsi organisasi Bank. organizational functions.
Selanjutnya, untuk menjaga kinerja ekonomi berjalan sesuai dengan Furthermore, to maintain economic performance in line with
yang ditargetkan, Bank melakukan monitoring atas implementasi targets, the Bank periodically monitors the implementation of these
inisiatif strategis tersebut secara berkala dalam rapat Direksi dan strategic initiatives in meetings of the Board of Directors and Board
Dewan Komisaris. Kebijakan tersebut dilakukan dengan tujuan of Commissioners. This policy aims to ensure that the set economic
agar target kinerja ekonomi yang telah ditetapkan dapat tercapai performance targets can be achieved.
Prospek dan Peluang Prospects and Opportunities
Keberhasilan pemerintah mencatatkan pertumbuhan ekonomi The government's success in achieving sustainable economic
berkelanjutan pada tahun 2023 merupakan momentum untuk growth in 2023 serves as momentum to restore stable social and
mewujudkan kehidupan sosial dan ekonomi yang stabil sebagaimana economic conditions akin to those before the COVID-19 pandemic.
kondisi sebelum pandemi COVID-19. Kehidupan tersebut akan This favorable environment is expected to foster growth across
mendorong bertumbuhnya berbagai lapangan usaha di Tanah various business sectors within the country, presenting opportunities
Air. Pertumbuhan berbagai lapangan usaha tersebut merupakan for Allo Bank to further its development and enhance performance
peluang bagi Allo Bank untuk terus mengembangkan diri guna in the upcoming years.
meningkatkan kinerja pada tahun-tahun mendatang.
Untuk itu, Allo Bank telah menetapkan berbagai target dalam To this end, Allo Bank has established various targets in the 2024
RBB Tahun 2024, terkhusus pada aspek ekonomi, serta rencana RBB, particularly focusing on economic aspects, along with
strategis untuk mencapainya. Target tersebut di antaranya strategic plans to attain them. These targets include Net Interest
Pendapatan Bunga Bersih tahun 2024 mencapai Rp1.156 miliar Income in 2024 reaching IDR1,156 billion, representing a growth
atau tumbuh sebesar 111,54% dibandingkan realisasi tahun 2023; of 111.54% compared to the realization in 2023; Profit for the Year
Laba Tahun Berjalan Sebelum Pajak sebesar Rp646 miliar atau Before Tax amounting to IDR646 billion, reflecting a growth of
112,28% dibandingkan realisasi tahun 2023; Kredit yang Diberikan 112.28% compared to the realization in 2023; Loans provided
sebesar Rp8.482 miliar atau 114,84% dibandingkan realisasi tahun totaling IDR8,482 billion, indicating a growth of 114.84% compared
2023, dan Dana Pihak Ketiga sebesar Rp5.929 miliar atau 121,03% to the realization in 2023; and Third Party Funds amounting to
dibandingkan realisasi tahun 2023. Untuk mencapai target-target di IDR5,929 billion, showcasing a growth of 121.03% compared to the
atas, Allo Bank telah menetapkan strategi bisnis dan berkomitmen realization in 2023. In pursuit of these targets, Allo Bank has devised
untuk melaksanakannya dengan upaya terbaik dan menguatkan a strategic business plan and is dedicated to its implementation with
sinergi di semua lini. Dengan upaya tersebut, Allo Bank optimistis utmost effort, fostering synergy across all departments. With these
dapat menggapai target-target tersebut demi mewujudkan bisnis concerted efforts, Allo Bank is confident in its ability to achieve
yang berkelanjutan. these targets and foster sustainable business growth.
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Penutup Closing Statement
Keberhasilan Allo Bank membukukan kinerja terbaik mencerminkan Allo Bank's achievement of recording the most optimal performance
operasional usaha yang sehat secara bisnis. Selain dipengaruhi reflects sound business operations. This success is not only
oleh faktor eksternal seperti pertumbuhan ekonomi nasional serta influenced by external factors such as national economic growth
meningkatnya kemampuan ekonomi masyarakat, termasuk untuk and the increasing economic capacity of the community but also by
menjalankan usaha, pencapaian tersebut tak lepas dari ketepatan the accurate implementation of various initiatives and strategic steps
implementasi atas berbagai inisiatif dan langkah strategis yang set by the Bank. Furthermore, the implementation of these strategic
ditetapkan Bank. Terlebih lagi, implementasi inisiatif strategis initiatives has received optimal support from all stakeholders, both
tersebut mendapatkan dukungan optimal dari segenap pemangku internal and external.
kepentingan, baik internal maupun eksternal.
Berkenaan dengan pencapaian dan kondisi faktual di atas, kami In light of the aforementioned achievements and factual conditions,
mengucapkan terima kasih kepada Dewan Komisaris yang telah we extend our gratitude to the Board of Commissioners for their
melakukan pengawasan dan memberikan arahan sehingga Direksi supervision and guidance, enabling the Board of Directors to
dapat menjalankan strategi bisnis dengan baik. Ungkapan yang execute business strategies effectively. We also express our
sama kami sampaikan kepada pemegang saham yang telah appreciation to the shareholders who have entrusted us with the
memberikan kepercayaan kepada kami untuk mengelola Bank management of the Bank during the reporting year.
selama tahun pelaporan.
Kepada seluruh karyawan sebagai garda terdepan pelayanan, kami To all employees, who serve as the frontline in service delivery, we
juga menyampaikan terima kasih atas kerja keras, dedikasi dan express our heartfelt gratitude for their hard work, dedication, and
loyalitas yang diberikan selama ini. Apresiasi juga kami sampaikan loyalty. Additionally, we extend our appreciation to our customers,
kepada para nasabah, mitra strategis, vendor, regulator maupun strategic partners, vendors, regulators, and the wider community
masyarakat secara luas yang senantiasa mendukung keberadaan for their continuous support of Allo Bank.
Allo Bank.
Kami berharap dukungan dan tersebut tetap diberikan sehingga We hope that this support will continue to strengthen Allo Bank,
Allo Bank semakin kokoh dan mampu memenuhi harapan enabling us to meet the expectations of all stakeholders and
segenap pemangku kepentingan dan pemegang saham, sekaligus shareholders while realizing our vision: 'To become the best digital-
mewujudkan visi “Menjadi bank umum berbasis digital terbaik based commercial bank through the All in One application, utilizing
melalui aplikasi All in One dengan memanfaatkan ekosistem untuk the ecosystem to provide maximum added value for the nation.
memberikan nilai tambah yang sebesar-besarnya bagi bangsa.”
Jakarta, April 2024
Indra Utoyo
Direktur Utama
President Director
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Strategi Keberlanjutan
Allo Bank
Allo Bank Sustainability Strategy
[OJK A.1]
Pembangunan berkelanjutan yang mampu menjaga The Indonesian government is undertaking the inclusive
stabilitas ekonomi serta bersifat inklusif yang saat sustainable development that is able to maintain
ini sedang dijalankan Indonesia memerlukan sistem economic stability. It requires national economic system
perekonomian nasional yang mengedepankan that puts forward the consistency between economic,
keselarasan antara aspek ekonomi, sosial, dan social and environmental aspects. Correspondently,
lingkungan hidup. Sejalan dengan itu, untuk adequate funding sources are required to drive the
menggerakkan perekonomian nasional yang national economic aforementioned and maintain
mengedepankan keselarasan antara aspek ekonomi, the economic stability. In this context, it is pivotal to
sosial dan lingkungan hidup, mampu menjaga stabilitas implement the financial institution system development
ekonomi serta bersifat inklusif dibutuhkan sumber that is environmentally friendly, as stated in the Laws No.
pendanaan dalam jumlah yang memadai. Dalam konteks 32 of 2009 concerning the Environmental Protection
ini, pengembangan sistem lembaga keuangan yang and Management.
ramah lingkungan hidup sebagaimana diamanatkan
dalam Undang-Undang No. 32 Tahun 2009 tentang
Perlindungan dan Pengelolaan Lingkungan Hidup
menjadi semakin makna penting.
Sejalan dengan upaya untuk mewujudkan To actualize the sustainable development, Financial
pembangunan berkelanjutan, Otoritas Jasa Services uthority (OJK) issued Financial Services
Keuangan (OJK) menerbitkan Peraturan Otoritas Authority Regulation No. 51/POJK.03/2017 concerning
Jasa Keuangan No. 51/POJK.03/2017 tentang the Implementation of Sustainable Finance for Financial
Penerapan Keuangan Berkelanjutan Bagi Lembaga Services Institutions, Issuers and Public Companies or
Jasa Keuangan, Emiten, dan Perusahaan Publik atau POJK Sustainable Finance. Based on that regulation,
POJK Keuangan Berkelanjutan. Sesuai peraturan sustainable finance is defined as a comprehensive
tersebut, keuangan berkelanjutan didefinisikan sebagai support from the financial services sector to create
dukungan menyeluruh dari sektor jasa keuangan untuk sustainable economic growth by accommodating the
menciptakan pertumbuhan ekonomi berkelanjutan economic, social, and environmental interests.
dengan menyelaraskan kepentingan ekonomi, sosial
dan lingkungan hidup.
Terbitnya POJK Keuangan Berkelanjutan telah The issuance of the POJK of Sustainable Finance
menempatkan lembaga jasa keuangan ke dalam has put the financial services institutions into the
sistem keuangan yang ramah lingkungan, sebagaimana more environmentally friendly financial system, as
diamanatkan dalam Undang-Undang No. 32 Tahun mandated in the Laws No. 32 of 2009 concerning
2009 tentang Perlindungan dan Pengelolaan the Environmental Protection and Management. The
Lingkungan Hidup. Pada pasal 43, ayat 3, huruf c, article 43, paragraph 3, letter c also mentions the
disebutkan tentang pengembangan sistem lembaga development of an environmentally friendly system of
keuangan dan pasar modal yang ramah lingkungan financial institutions and capital markets.
hidup
Selain menerjemahkan spirit undang-undang Apart from translating the spirit of environmental law,
lingkungan, penerbitan POJK Keuangan Berkelanjutan the issuance of the POJK on Sustainable Finance is
tak lepas dari Roadmap Keuangan Berkelanjutan di inseparable from the 2015-2019 Sustainable Finance
Indonesia 2015-2019 yang dikeluarkan oleh Otoritas Roadmap in Indonesia issued by the Financial Services
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Jasa Keuangan. Selepas itu, disusul dengan terbitnya Roadmap Authority. Afterwards, it was followed by the issuance of Phase II
Keuangan Berkelanjutan Tahap II (2021-2025). Fokus Roadmap Sustainable Finance Roadmap (2021-2025). Phase II of the Roadmap
Tahap II adalah mendorong terciptanya ekosistem keuangan is focused on encouraging the creation of a comprehensive
berkelanjutan secara komprehensif dengan melibatkan seluruh sustainable financial ecosystem by involving all relevant parties
pihak terkait dan mendorong pengembangan kerja sama dengan and encouraging the development of cooperation with other parties.
pihak lain. OJK berharap roadmap terbaru tersebut dapat menjadi OJK hopes that the latest roadmap can become a foundation for
landasan bagi pelaku sektor jasa keuangan, sekaligus menjadi financial services sector institutions, as well as a reference for
rujukan bagi kementerian/lembaga terkait dalam mengembangkan relevant ministries/institutions in developing innovative financing
inisiatif-inisiatif pembiayaan inovatif yang selaras dengan prinsip initiatives that are in line with sustainable finance principles.
keuangan berkelanjutan.
Sesuai dengan Roadmap Keuangan Berkelanjutan Tahap II (2021 - In accordance with the Phase II Sustainable Finance Roadmap
2025) yang dirilis OJK, Allo Bank sebagai salah satu perusahaan (2021-2025) released by OJK, as a company engaging in the
yang bergerak di industri perbankan mendukung penuh penerapan banking industry, Allo Bank fully supports the implementation of
Keuangan Berkelanjutan di Indonesia. Hal ini diharapkan dapat Sustainable Finance in Indonesia. This is expected to increase the
meningkatkan daya tahan dan daya saing Bank sehingga mampu resilience and competitiveness of the Bank, so it is able to grow
tumbuh dan berkembang secara berkesinambungan, serta and develop in a sustainable manner, as well as contribute to
berkontribusi atas permasalahan isu serta mitigasi risiko dalam issues and risk mitigation in terms of environmental problems and
hal permasalahan lingkungan hidup dan dapat terus berkontribusi can continue to contribute positively to financial system stability.
secara positif pada stabilitas sistem keuangan.
Dukungan dan komitmen Bank untuk menerapkan keuangan The Bank’s support and commitment to implementing sustainable
berkelanjutan, sekaligus mendukung pembangunan berkelanjutan finance, as well as supporting sustainable development in Indonesia,
di Indonesia, diwujudkan dengan menyusun Rencana Aksi are actualized by preparing a Sustainable Finance Action Plan
Keuangan Berkelanjutan (RAKB), seperti diatur dalam pasal 4 (RAKB), as stipulated in article 4 paragraph (1) POJK Sustainable
ayat (1) POJK Keuangan Berkelanjutan. RAKB yang menjadi bagian Finance. RAKB, which is an integral part of the Bank’s Business
tak terpisahkan dengan Rencana Bisnis Bank (RBB) berisi rencana, Plan (RBB), contains strategic plans, programs and policies as the
program dan kebijakan strategis sebagai implementasi prinsip- implementation of the principles of Sustainable Finance.
prinsip Keuangan Berkelanjutan.
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Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 453
Pencapaian RAKB Tahun 2023
RAKB Achievements in 2022
Nama Program Target Program Indikator Keberhasilan Pencapaian tahun 2023
No.
Program Name Target of the Program Success Indicator Achievement in 2023
1 Pengembangan produk Produk dan Jasa Digital Diluncurkannya produk dan jasa Bank terus mengembangkan produk dan
dan/atau jasa keuangan yang akan mengurangi digital layanan berbasis digital dan bekerjasama
berkelanjutan yang berbasis penggunaan kertas The launch of digital product and dengan mitra strategis, memaksimalkan
teknologi digital (paperless), cabang service penggunaan media sosial resmi bank untuk
Development of Sustainable (branchless) dan dapat melakukan pemasaran dan interaksi kepada
Financial Products and/or dilakukan kapan masyarakat
Services Based on Digital saja,dimana saja The Bank continues to develop digital-based
Technology (pengurangan polusi). products and services and collaborates with
Digital products and strategic partners, maximizing the use of the
services that reduce the Bank’s official social media for marketing and
use of paper (paperless), engaging with the public
eliminate the need
for physical branches
(branchless), and can
be accessed anytime,
anywhere contribute to
pollution reduction
2 Pelaksanaan edukasi Pengenalan kepada Nasabah bank telah mengikuti Memaksimalkan penggunaan media sosial
kepada nasabah terkait nasabah terkait Keuangan pelatihan mengenai Keuangan resmi bank untuk melakukan pemasaran dan
produk dan/atau jasa Berkelanjutan Berkelanjutan interaksi kepada masyarakat
keuangan berkelanjutan Introduction to The Bank’s customers have Maximizing the use of the Bank’s official
Conducting education Sustainable Finance for attended training on Sustainable social media platforms for marketing and
for customers regarding Customers Finance engaging with the public
sustainable financial
products and services
3 Mendukung penghijauan Mengurangi penggunaan Berkurangnya sampah plastik dan Penggunaan tumbler dan gelas di lingkungan
di lingkungan kerja dan plastik air mineral kemasan botol plastik kantor
mengurangi penggunaan Reducing the use of Reduced plastic waste, including Encouraging the use of tumblers and glasses
plastik plastic the use of plastic bottled mineral in the office environment
Support greening initiatives water
in the work environment
and minimize plastic usage
4 Bekerja sama dengan Meningkatkan kebersihan Meningkatnya kebersihan di Pengadaan Mesin Pencacah sampah pada
institusi pendidikan (sekolah dan pengelolaan sampah sekitar dan berkurangnya sampah beberapa institusi pendidikan termasuk
atau kampus) dengan Improve cleanliness Enhanced cleanliness in the Sekolah Islam Terpadu Fajar Hidayah dan
membersihkan lingkungan and enhance waste surroundings and minimized Akademi Teknik Mesin Industri (ATMI)
sekitar atau mengadakan management practices rubbish Cikarang
mesin pengolah sampah Procurement of waste shredding machines
Collaborating with for several educational institutions, including
educational institutions the Fajar Hidayah Integrated Islamic School
(schools or campuses) and the Cikarang Academy of Industrial
to clean the surrounding Mechanical Engineering (ATMI)
environment and provide
waste processing machines
2023 Annual Report & Sustainability Report
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454 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Tentang Laporan
Keberlanjutan
About Sustainability Report
PT Allo Bank Indonesia Tbk (Allo Bank) berkomitmen PT Allo Bank Indonesia Tbk (Allo Bank) is committed to
untuk meningkatkan kualitas transparansi dalam improving the quality of transparency in implementing
menjalankan aspek-aspek keberlanjutan. Sejalan dengan sustainability aspects. In line with this commitment,
komitmen itu, maka setiap tahun Bank menerbitkan every year the Bank publishes a sustainability report
laporan keberlanjutan sebagai bagian tak terpisahkan as an inseparable part of the annual report. This
dari laporan tahunan. Laporan keberlanjutan tahun sustainability report for the 2023 financial year marks
buku 2023 ini merupakan penerbitan kedua, sedangkan the second publication, while the previous year’s report
laporan tahun sebelumnya terbit pada April 2023. was published in April 2023. This report contains
Laporan ini berisi tentang kinerja keberlanjutan yang sustainability performance which consists of three
terdiri dari tiga aspek, yaitu aspek ekonomi, lingkungan aspects, namely economic, environmental and social
dan sosial beserta dampak yang ditimbulkannya selama aspects and the impacts they cause during the period
periode 1 Januari-31 Desember 2023. Implementasi 1 January-31 December 2023. The Bank’s efforts to
keselarasan atas ketiga aspek sekaligus merupakan harmonize these aspects underscore its support for
dukungan Bank terhadap penerapan keuangan the implementation of sustainable finance and the
berkelanjutan serta pencapaian Tujuan Pembangunan achievement of Sustainable Development Goals (SDGs)
Berkelanjutan/TBP (Sustainable Development Goals/ in Indonesia.
SDGs) di Indonesia.
Penerbitan laporan ini merupakan kepatuhan Allo Bank In publishing this report, Allo Bank complies with
terhadap Peraturan Otoritas Jasa Keuangan (POJK) Financial Services Authority Regulation (POJK) No.
No. 51/POJK.03/2017 tentang Penerapan Keuangan 51/POJK.03/2017 on the Implementation of Sustainable
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten Finance for Financial Institutions, Issuers, and Public
dan Perusahaan Publik. Bank menerbitkan laporan ini Companies. The Bank published this report following
dalam statusnya sebagai Bank Umum Kegiatan Usaha its status as a Business Activity Bank (BUKU) 3 as of
(BUKU) 3 per 1 Januari 2022, atau Kelompok Bank January 1, 2022, or a Bank Group in accordance with
berdasarkan Modal Inti (KBMI) 2 sesuai Peraturan OJK Core Capital (KBMI) 2 with reference to Financial
nomor 12/POJK.03/2021 tentang Bank Umum. Selain Services Authority Regulation No. 12/POJK.03/2021
edisi cetak, laporan yang sama dapat diunduh di website on Commercial Banks. In addition to the print edition,
resmi Bank, yaitu https://www.allobank.com/ the same report can be downloaded at the Bank’s
official website, https://www.allobank.com/.
Aspek Keberlanjutan dalam Laporan Sustainability Aspects in Reports
Laporan keberlanjutan ini menyajikan pembahasan This sustainability report presents material aspects,
aspek-aspek yang material, yaitu aspek-aspek which are important and relevant aspects that
yang penting dan relevan serta memiliki dampak significantly impact the Bank and its stakeholders
yang signifikan bagi Bank maupun para pemangku throughout 2022. The determination of material aspects
kepentingan selama tahun 2023. Penentuan aspek refers to Appendix II of POJK No. 51/POJK.03/2017,
material merujuk pada Lampiran II POJK No. 51/ where the Bank is classified as the category of
POJK.03/2017 dimana Bank termasuk dalam kategori companies with business processes that are not directly
perusahaan yang proses bisnisnya tidak berkaitan related to the environment.
langsung dengan lingkungan hidup.
Laporan Tahunan & Laporan Keberlanjutan 2023
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Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 455
Lingkup dan Batasan Pelaporan Reporting Scope and Limitations
Laporan keberlanjutan ini mencakup aspek keberlanjutan Kantor This sustainability report covers sustainability aspects of the Head
Pusat dan dua kantor cabang Allo Bank di Indonesia. Office and two Allo Bank branch offices in Indonesia.
Umpan Balik Feedback
Bank menyediakan Lembar Umpan Balik di bagian akhir laporan The Bank provides a Feedback Form at the end of this report.
ini. Usulan, umpan balik, opini dan sebagainya dari pemangku Suggestions, feedback, opinions and so on from stakeholders
kepentingan bisa dikirimkan kepada: can be sent to:
Sekretaris Perusahaan Corporate Secretary
PT Allo Bank Indonesia Tbk PT Allo Bank Indonesia Tbk
Menara Bank Mega Lantai 5-6, Menara Bank Mega 5th-6th Floors,
Jalan Kapten P. Tendean No.12-14A, Jalan Kapten P. Tendean No.12-14A,
Jakarta Selatan 12790, Indonesia. South Jakarta 12790, Indonesia.
Telepon : (+62 21) 7990671, 79184705, 79182387 Telephon: (+62 21) 7990671, 79184705, 79182387
Email : corsec@allobank.com Email: corsec@allobank.com
Website : www.allobank.com Website: www.allobank.com
2023 Annual Report & Sustainability Report
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456 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Profil Perusahaan
Company Profile
PT Allo Bank Indonesia Tbk, yang selanjutnya disebut juga dengan PT Allo Bank Indonesia Tbk, hereinafter also known as Allo Bank
Allo Bank atau Bank, sebelumnya dikenal dengan nama PT Bank or the Bank, was previously recognized as PT Bank Arta Griya,
Arta Griya yang berdiri pada 21 Oktober 1992. Kemudian, pada 18 established on October 21, 1992. Subsequently, on January 18,
Januari 1993, namanya berubah menjadi PT. Bank Harda Griya, 1993, it underwent a name change to PT Bank Harda Griya, referred
yang dikenal dengan sebutan Bank Harda. Tiga tahun kemudian, to as Bank Harda. Three years later, on December 10, 2016, the
tepatnya pada 10 Desember 2016, namanya kembali diubah menjadi name was once again altered to PT Bank Harda Internasional (BHI).
PT Bank Harda Internasional (BHI). Pada tahun 2015, BHI melakukan In 2015, BHI initiated an Initial Public Offering (IPO) to the public.
Penawaran Saham Perdana (IPO) kepada masyarakat. Selanjutnya, Additionally, BHI was officially acquired by PT Mega Corpora and
BHI resmi diakuisisi oleh PT Mega Corpora dan mendapatkan received approval from the OJK in March 2021. On June 30, 2021,
persetujuan OJK pada Maret 2021. Pada 30 Juni 2021, BHI resmi BHI officially rebranded as PT Allo Bank Indonesia Tbk.
berganti nama menjadi PT Allo Bank Indonesia Tbk.
Allo merupakan singkatan dari All in One, yang mewujudkan aspirasi “Allo” is an abbreviation for “All in One,” reflecting the Bank’s vision
Bank bagi nasabahnya untuk Experience a Simple Life. Allo Bank for its customers to experience a simpler life. Allo Bank operates
adalah anak perusahaan dari CT Corpora, sebuah grup bisnis as a subsidiary of CT Corpora, a prominent consumer-focused
terintegrasi terkemuka yang berfokus pada konsumen di Indonesia integrated business group in Indonesia, with diversified interests in
dengan beragam usaha di layanan keuangan, media, ritel, gaya financial services, media, retail, lifestyle, and entertainment. Since
hidup dan hiburan. Sejak grand launching pada 20 Mei 2022 its grand launch on May 20, 2022, until the end of 2023, Allo Bank
sampai dengan akhir tahun 2023, Allo Bank telah berkembang has evolved into a leading digital-based commercial bank, serving
menjadi bank umum berbasis digital terkemuka dengan melayani 7.6 million customers.
7,6 juta nasabah.
Sejak Juli 2022, Allo Bank berkantor pusat di Menara Bank Mega, Since July 2022, Allo Bank is headquartered in Menara Bank Mega,
Lantai 5-6, Jalan Kapten P. Tendean No. 12-14A, Jakarta Selatan 5th -6th floors at Jalan Kapten P. Tendean No.12- 14A, South Jakarta
12790, Telepon: (+62 21) 7990671, 79184705, 79182387, Faksimile: 12790, Phone: (+62 21) 7990671, 79184705, 79182387, Facsimile:
(+62 21) 3841022, 3851023, Email: corsec@allobank.com, Website: (+62 21) 3841022, 3851023, Email: corsec@allobank.com, Website:
www.allobank.com. www.allobank.com.
Per 31 Desember 2023, Bank memiliki 1 Kantor Pusat, 2 Kantor As of December 31, 2023, the Bank has 1 Head Office and 2
Cabang dan tidak memiliki Kantor Cabang, Kantor Cabang Branch Offices. The Bank has no Sub-Branch Office nor Cash
Pembantu, maupun Kantor Kas. [OJK C.2] Office. [OJK C.2]
Sesuai Pasal 3 Anggaran Dasar terbaru tahun 2023, maksud dan Pursuant to Article 3 of the latest Articles of Association in 2023,
tujuan Bank adalah melakukan usaha di bidang perbankan sesuai the purpose and objective of the Bank is to conduct banking
dengan ketentuan peraturan Perundang-undangan yang berlaku, business in accordance with applicable laws and regulations, and
serta optimalisasi pemanfaatan sumber daya yang dimiliki Bank to make the most of the Bank’s resources to produce high-quality
untuk menghasilkan barang dan/atau jasa yang bermutu tinggi competitive goods and services to gain profits. This is to increase
dan berdaya saing kuat untuk mendapat/mengejar keuntungan the Bank’s value by applying the principles of a Limited Liability
guna meningkatkan nilai Bank dengan menerapkan prinsip-prinsip Company. [OJK C.4]
Perseroan Terbatas. [OJK C.4]
Allo Bank merupakan Persero yang bergerak dalam bidang Allo Bank is a State-Owned Enterprise engaged in digital banking,
perbankan digital yang meliputi produk Allo Pay dan Allo Pay+, offering products such as Allo Pay and Allo Pay+, Allo Prime,
Allo Prime, Allo Grow, Deposito, Pay Later dan Instant Cash serta Deposits, Pay Later and Instant Cash, and other various services.
berbagai layanan. Sesuai dengan Anggaran Dasar terakhir, produk With reference to the latest Articles of Association, Allo Bank offers
dan jasa yang dihasilkan oleh Allo Bank, sebagai berikut: [OJK C.4] the following products and services: [OJK C.4]
1. Giro 1. Current Accounts
2. Tabungan 2. Savings Accounts
3. Deposito 3. Deposits
4. Pinjaman Konsumsi (Instant Cash dan Pay Later) 4. Consumer Loans (Instant Cash and Pay Later)
Laporan Tahunan & Laporan Keberlanjutan 2023
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Good Corporate Governance
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Sustainability Report 457
Visi, Misi, dan
Nilai-Nilai Bank
Vision, Mission, and
Values of the Bank
[OJK C.1]
Visi: Vision:
Menjadi bank umum berbasis digital terbaik melalui Become the best digital-based commercial bank
aplikasi All in One dengan memanfaatkan ekosistem through the All-in-One application by utilizing the
untuk memberikan nilai tambah yang sebesar-besarnya ecosystem to provide greatest added value for society
bagi bangsa. and the nation.
Misi: Mission:
Menyediakan produk dan layanan perbankan digital Providing innovative digital banking products and
inovatif terintegrasi dengan ekosistem yang memberikan services integrated with ecosystems that provides
solusi dan seamless customer experience bagi nasabah solutions and seamless customer experience for
serta memberikan nilai tambah yang tinggi kepada customers and extending high added value to
seluruh pemangku kepentingan. all stakeholders.
Review Visi dan Misi oleh Manajemen Management Review of Allo Bank Vision
and Mission
Visi dan Misi Bank ditetapkan dan diberlakukan melalui The Bank’s vision and mission are formulated and
kajian secara berkala untuk memastikan relevansinya executed through periodic reviews to ensure their
dengan perkembangan lingkungan bisnis Bank. alignment with the evolving landscape of the Bank’s
Pernyataan terkait Visi dan Misi Bank telah mendapatkan operations. Statements pertaining to the Bank’s vision
persetujuan bersama dari Dewan Komisaris dan Direksi. and mission have been endorsed by the Board of
Hingga saat ini, Dewan Komisaris dan Direksi menilai Commissioners and Directors. At present, the Board
bahwa pencapaian Visi dan Misi Bank masih relevan of Commissioners and Directors evaluate that the
dengan perkembangan dan kondisi lingkungan bisnis realization of the Bank’s vision and mission remains
tahun 2023 serta arah dan tujuan bisnis Bank. pertinent to the advancements and circumstances
of the business environment in 2023, along with the
Bank’s strategic direction and objectives.
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Management Report
Profil Perusahaan
Company Profile
Nilai-Nilai Perusahaan Corporate Values
Data-driven: Data-driven
Kami mengambil keputusan dan memecahkan masalah We make decisions and solve problems based on
berdasarkan data dan informasi yang kredibel. credible data and information.
Impact: Impact
Kami memberikan solusi dan dampak positif kepada We provide solutions and positive impacts to
semua stakeholders; all stakeholders.
Growth: Growth
Kami terus menerus tumbuh dan berkembang secara We are continuously growing and developing on an
berkesinambungan untuk masa depan yang lebih baik; ongoing basis for a better future.
In harmony: In harmony
Kami bekerjasama dengan semua pihak secara We collaborate harmoniously with all parties with
harmonis yang berorientasi pada hasil; results oriented.
Transparency: Transparency
Kami berperilaku jujur dan transparan dalam segala We behave honestly and transparently in all
aspek pekerjaan; work-related aspects.
Agility: Agility
Kami tangkas beradaptasi terhadap semua perubahan We are agile in adapting to all of the current changes.
yang terjadi;
Learning: Learning
Kami terus belajar, berbagi dan menerapkan We constantly learn, share, and apply new knowledge
pengetahuan dan keterampilan baru untuk and skills to build our competencies
mengembangkan kompetensi diri.
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Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 459
Skala Usaha
Business Scale
[OJK C.3]
Skala Usaha [OJK C.3]
Business Scale
Uraian Satuan
2023 2022 2021
Description Unit
Jumlah pegawai tetap dan kontrak Orang 380 264 126
(tidak termasuk outsource) People
Number of full-time and contract
workers (not including outsource)
Pendapatan operasional-Neto Jutaan Rupiah 1.159.330 760.749 301.156
Operating Income-Net Million Rupiah
Pendapatan bunga bersih Jutaan Rupiah 1.036.755 627.229 195.318
Net Interest Income Million Rupiah
Pendapatan operasional lainnya Jutaan Rupiah 122.575 133.520 105.837
Other Operating Income Million Rupiah
Biaya kerugian penurunan nilai aset Jutaan Rupiah (47.942) (44.262) 2.997
keuangan Million Rupiah
Cost of allowance for Impairment
losses
Biaya operasional Jutaan Rupiah (535.827) (359.884) (84.005)
Operating expense Million Rupiah
Pendapatan bunga Jutaan Rupiah 1.328.943 767.672 353.211
Interest income Million Rupiah
Beban bunga Jutaan Rupiah (292.188) (140.443) (157.893)
Interest expense Million Rupiah
Pendapatan bunga bersih Jutaan Rupiah 1.036.755 627.229 195.318
Net interest income Million Rupiah
Pendapatan non-operasional bersih Jutaan Rupiah (287) (4.291) (148)
Non-operating income - Net Million Rupiah
Laba (Rugi) sebelum pajak Jutaan Rupiah 575.274 352.312 220.000
Income (Loss) before Tax Expense Million Rupiah
Laba (rugi) tahun berjalan Jutaan Rupiah 444.566 270.030 192.475
Income (Loss) for the Current Year Million Rupiah
Jumlah liabilitas Jutaan Rupiah 5.865.359 4.647.688 3.346.086
Total Liabilities Million Rupiah
Jumlah Ekuitas Jutaan Rupiah 6.885.076 6.411.269 1.303.271
Total Equity Million Rupiah
Jumlah Aset Jutaan Rupiah 12.750.435 11.058.957 4.649.357
Total Assets Million Rupiah
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2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Uraian Satuan
2023 2022 2021
Description Unit
Wilayah Operasi Kantor • 1 Kantor Pusat • 1 Kantor Pusat • 1 Kantor Pusat
Operational Areas beroperasi • 2 Kantor • 2 Kantor • 7 Kantor
Cabang Cabang Cabang
Operational • 6 Kantor
offices • 1 Head Office • 1 Head Office Cabang
• 2 Branch • 2 Branch Pembantu
Offices Offices • 2 Kantor Kas
• 1 Head Office
• 7 Branch
Offices
• 6 Sub-Branch
• Offices
• 2 Cash Offices
Per 31 Desember 2023, Bank memiliki karyawan As of December 31, 2023, the Bank employed 380
sebanyak 380 orang, naik dibandingkan tahun 2022 individuals, marking an increase from the previous year’s
dengan karyawan sebanyak 264 orang. Pembagian count of 264 employees. The breakdown of employees
karyawan berdasarkan jenis kelamin, jabatan, usia, according to gender, position, age, education, and
pendidikan, dan status ketenagakerjaan disampaikan employment status is provided comprehensively in the
selengkapnya di Bab Profil Laporan Tahunan Bank. Profile Chapter of the Bank’s Annual Report. [OJK C.3]
[OJK C.3]
Perubahan
Signifikan pada Bank
Significant Changes in the Bank
[OJK C.6]
Pada tahun pelaporan terdapat perubahan signifikan During the reporting year, significant changes occurred,
antara lain berkaitan dengan pengembangan produk particularly concerning the development of digital
dan layanan secara digital dan infrastruktur teknologi products and services, along with enhancements
informasi pendukungnya. Terkait produk, Bank telah to supporting information technology infrastructure.
meluncurkan Allo Grow sebagai sebuah produk Regarding products, the Bank introduced Allo Grow
tabungan yang menawarkan sejumlah keunggulan, as a savings product offering several advantages.
termasuk proses pembukaan rekening yang simpel, These include a simplified account opening process,
suku bunga yang menguntungkan, dan fleksibilitas competitive interest rates, and flexibility in fund
penarikan dana sesuai kebutuhan dan keinginan withdrawals tailored to customer needs and preferences.
nasabah. Produk Allo Grow memberikan kesempatan The Allo Grow product presents an opportunity to earn
untuk memperoleh suku bunga yang tinggi hingga high interest rates of up to 6.5% p.a. through a tiered
mencapai 6,5% p.a dengan menerapkan mekanisme interest rate mechanism based on the storage period.
suku bunga berjenjang sesuai dengan jangka waktu Balances held in Allo Grow can be withdrawn at any
penyimpanan. Saldo yang disimpan dalam Allo time without incurring penalty fees.
Grow dapat dicairkan dan diambil kapan saja sesuai
keinginan, tanpa dikenakan biaya penalti.
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Good Corporate Governance
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Sustainability Report 461
Keanggotaan
pada Asosiasi
Membership in Associations
[OJK C.5]
Bank bergabung dengan berbagai asosiasi/ The Bank has joined various associations within its
perhimpunan dengan bidang usaha yang sama industry to stay abreast of the latest developments
sehingga dapat mengikuti berbagai perkembangan and issues. Additionally, this participation allows
isu terkini, sekaligus bisa memberikan masukan dan the Bank to contribute input and suggestions for
saran untuk perkembangan dan kemajuan bersama collaborative growth and progress within these
dalam asosiasi/perhimpunan tersebut. Asosiasi/ associations. Throughout 2023, the Bank took part in
perhimpunan yang diikuti Bank selama tahun 2023 the following associations:
adalah sebagai berikut:
Skala
Status (Lokal, Nasional,
Nama (Anggota, Pengurus) Regional, Internasional)
Name Status Scale
(Member, Management) (Local, National, Regional,
International
Perhimpunan Bank Swasta Nasional (Perbanas) Anggota Nasional
National Private Banks Association (Perbanas) Member National
Asosiasi Sistem Pembayaran Indonesia (ASPI) Anggota Nasional
Indonesian Payment System Association (ASPI) Member National
Forum Komunikasi Direktur Kepatuhan Anggota Nasional
Perbankan FKDKP) Member National
Communication Forum of Banking Compliance Directors
(FKDKP)
Lembaga Alternatif Penyelesaian Sengketa (LAPS) SJK Anggota Nasional
Alternative Dispute Resolution Institution (LAPS) SJK Member National
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Management Report
Profil Perusahaan
Company Profile
Tata Kelola
Keberlanjutan
Sustainability Governance
PT Allo Bank Indonesia Tbk menyadari bahwa perkembangan PT Allo Bank Indonesia Tbk recognizes the increasing complexity
industri perbankan saat ini semakin kompleks. Oleh karena itu, of the banking industry’s development. Therefore, it considers
penguatan penerapan prinsip tata kelola yang baik pada Bank strengthening the implementation of good governance principles
dengan dukungan manajemen risiko dan kepatuhan yang in the Bank, supported by integrated risk management and
terintegrasi menjadi sebuah kewajiban. Lebih lanjut, penguatan compliance, to be an imperative. Furthermore, this strengthening
tersebut akan mendorong terwujudnya peningkatan kualitas is expected to enhance the quality of the Bank’s sound management
pengelolaan Bank yang sehat berdasarkan prinsip kehati-hatian based on prudential and ethical principles, thereby increasing
dan beretika, sekaligus meningkatkan daya saing Bank. Dalam the Bank’s competitiveness. On a broader scale, enhancing the
skala yang lebih luas, penguatan implementasi prinsip tata kelola implementation of governance principles at the Bank will collectively
pada Bank secara kolektif akan mendukung pertumbuhan dan support national economic growth and stability, as well as encourage
stabilitas ekonomi nasional, sekaligus mendorong pertumbuhan sustainable growth.
yang berkelanjutan.
Berkaitan dengan penguatan penerapan tata kelola yang baik pada In connection with strengthening the implementation of good
Bank, Otoritas Jasa Keuangan (OJK) telah merilis Peraturan Otoritas governance in banks, the Financial Services Authority (OJK) has
Jasa Keuangan (POJK) No. 17 Tahun 2023 tentang Penerapan issued Financial Services Authority Regulation (POJK) No. 17 of 2023
Tata Kelola Bagi Bank Umum (POJK Tata Kelola). Peraturan ini concerning the Implementation of Governance for Commercial
menggantikan POJK No. 55/POJK.03/2016 tentang Penerapan Banks (POJK Governance). This regulation replaces POJK No. 55/
Tata Kelola bagi Bank Umum. POJK Tata Kelola tersebut sejalan dan POJK.03/2016 concerning the Implementation of Governance for
merupakan tindak lanjut dari amanat pengaturan dalam Undang- Commercial Banks. POJK Governance is in line with and follows
Undang No. 4 Tahun 2023 tentang Pengembangan dan Penguatan up on the regulatory mandate in Law No. 4 of 2023 concerning
Sektor Keuangan the Development and Strengthening of the Financial Sector.
Merujuk POJK Tata Kelola, yang dimaksud tata kelola yang baik Referring to POJK Governance, good governance in the Bank entails
pada Bank adalah struktur, proses, dan mekanisme pengelolaan the structure, processes, and mechanisms of Bank management
Bank untuk pencapaian penyelenggaraan kegiatan usaha Bank aimed at implementing Bank business activities that consider the
yang memperhatikan kepentingan seluruh pemangku kepentingan interests of all relevant stakeholders, create optimal corporate value
yang terkait, menciptakan mengoptimalkan nilai perusahaan pada for the Bank in a sustainable manner, and are based on regulatory
Bank secara berkelanjutan, serta berlandaskan ketentuan peraturan provisions, legislation, standards, ethical values, generally accepted
perundang-undangan, standar, nilai etika, prinsip dan praktik yang principles, and practices.
berlaku umum.
Sebagai bagian dari pelaku industri perbankan, Allo Bank As part of the banking industry, Allo Bank is committed to complying
berkomitmen untuk mematuhi dan menerapkan tata kelola yang with and implementing good governance as regulated in POJK
baik pada Bank sebagaimana diatur dalam POJK Tata Kelola. Governance. In this instance, Allo Bank applies governance
Dalam hal ini, Allo Bank menerapkan prinsip-prinsip tata kelola yaitu principles, namely transparency, accountability, responsibility,
keterbukaan (transparency), akuntabilitas (accountability), tanggung independence, as well as fairness and equity. To achieve the most
jawab (responsibilities), independensi (independency), serta favorable results, these principles are applied by the Bank at all
kewajaran dan kesetaraan (fairness & equity). Untuk mendapatkan levels of the organization.
hasil terbaik, prinsip-prinsip tersebut diterapkan Bank dalam di
seluruh tingkatan atau jenjang organisasi.
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Sustainability Report 463
Komitmen terhadap
Penerapan Keuangan
Berkelanjutan
Commitment to Sustainable
Finance Implementation
Kepatuhan terhadap regulasi yang berlaku merupakan spirit yang Compliance with applicable regulations is a fundamental principle
senantiasa dijaga oleh Bank. Untuk itu, sejalan dengan berlakunya the Bank constantly upholds. In accordance with the enactment
Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017 tentang of Financial Services Authority Regulation No. 51/POJK.03/2017
Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, concerning the Implementation of Sustainable Finance for Financial
Emiten dan Perusahaan Publik atau POJK Keuangan Berkelanjutan, Services Institutions, Issuers, and Public Companies, also known
Bank telah melakukan penyesuaian dalam mengimplementasikan as POJK Sustainable Finance, the Bank has made adjustments to
tata kelola perusahaan yang baik, yaitu tata kelola yang its good corporate governance implementation. This governance
mengutamakan aspek lingkungan (environmental), sosial (social) prioritizes environmental, social, and governance (ESG) aspects,
dan tata kelola (governance) atau ESG. Penyesuaian yang dilakukan as outlined in the attachment II of the POJK Sustainable Finance.
Bank antara lain menetapkan penanggung jawab penerapan The attachment sets forth the responsibilities of the members of
keuangan berkelanjutan sebagaimana diatur dalam Lampiran II the Board of Directors and the Board of Commissioners, as well as
POJK Keuangan Berkelanjutan. Dalam lampiran tersebut antara employees, officials, and/or work units entrusted with implementing
lain mengatur tentang tugas anggota Direksi dan anggota Dewan sustainable finance.
Komisaris, pegawai, pejabat dan/atau unit kerja yang menjadi
penanggung jawab penerapan keuangan berkelanjutan.
Di Allo Bank, penerapan keuangan berkelanjutan secara umum At Allo Bank, the responsibility for implementing sustainable finance
menjadi tanggung jawab Presiden Direktur sebagai pemimpin primarily rests with the President Director as the highest-ranking
tertinggi. Namun demikian, dalam pelaksanaan penerapan leader. However, almost all divisional leaders within the Bank
keuangan berkelanjutan, hampir seluruh pemimpin divisi yang ada are involved in this effort. This includes the Corporate Secretary,
di Bank turut terlibat, antara lain Sekretaris Perusahaan, Funding, Funding, Credit, HRD, Finance, Procurement & Business Planning,
Kredit, HRD, Finance, Procurement & Business Planning, serta as well as Risk Management and Compliance. [OJK E.1]
Manajemen Risiko dan Kepatuhan. [OJK E.1]
Untuk mengukuhkan tata kelola yang mengutamakan ESG, sekaligus To fortify governance emphasizing ESG while aligning with the
menyelaraskan dengan Rencana Aksi Keuangan Berkelanjutan Sustainable Financial Action Plan (RAKB), Allo Bank has made
(RAKB), Allo Bank melakukan tiga penyesuaian kebijakan manajemen the following three adjustments to its risk management and good
risiko dan tata kelola perusahaan yang baik sebagai berikut: corporate governance policies:
1. Melakukan pembaruan kebijakan perkreditan Bank terkait 1. Updated the Bank’s credit policy to avoid credit granting
pengaturan pemberian kredit yang perlu dihindari dengan arrangements that might have adverse effects on environmental
mempertimbangkan dampak aktivitas usaha yang dihasilkan sustainability and cause negative social impacts.
dari calon debitur terhadap keberlangsungan lingkungan hidup
dan dampak negatif terhadap sosial.
2. Melakukan pembaruan terhadap Standard Operating Procedure 2. Revised the credit Standard Operating Procedure (SOP)
(SOP) kredit terkait penerapan Keuangan Berkelanjutan. pertaining to the implementation of Sustainable Finance.
3. Melakukan sosialisasi dan peningkatan kesadaran terhadap 3. Initiated outreach efforts and heightened awareness regarding
pemahaman keuangan berkelanjutan. Untuk meminimalisasi sustainable finance. To mitigate risks associated with ESG
risiko dalam penerapan ESG, Allo Bank telah mencanangkan implementation, Allo Bank has set targets for adjusting
target penyesuaian dan pembaruan kebijakan perkreditan and updating the Bank’s credit policies and SOPs, as well
Bank, SOP kredit, serta meningkatkan kesadaran atas keuangan as enhancing awareness of sustainable finance in industry
berkelanjutan dalam analisis industri dan akan meningkatkan analysis. These actions aim to foster stakeholder trust and
kepercayaan pemangku kepentingan dan mendukung support sustainable development.
pembangunan berkelanjutan.
2023 Annual Report & Sustainability Report
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464 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Pengembangan
Kompetensi Terkait
Keuangan Berkelanjutan
Sustainable Financial
Competencies Development
Allo Bank memberikan kesempatan seluas-luasnya kepada Dewan Allo Bank prioritizes providing ample opportunities for the Board
Komisaris, Direksi dan seluruh pemimpin divisi untuk mengikuti of Commissioners, Directors, and all division leaders to engage
pengembangan kompetensi terkait penerapan keuangan in competency development related to the implementation of
berkelanjutan. Bank meyakini pengembangan kompetensi tersebut sustainable finance. The Bank firmly believes that nurturing these
akan sangat membantu dalam menerapkan keuangan berkelanjutan competencies will greatly facilitate the execution of sustainable
pada tahun pelaporan maupun pada tahun-tahun berikutnya. finance initiatives in the current reporting year and beyond. A
Pengembangan kompetensi selengkapnya selama pada tahun comprehensive overview of the competency development activities
2023 disampaikan dalam tabel berikut: [OJK E.2] undertaken throughout 2023 is detailed in the following table:
[OJK E.2]
Tabel Pengembangan Kompetensi terkait Keuangan Berkelanjutan Tahun 2023
Table of Sustainable Financial Competencies Development in 2022
Jenis Pendidikan
Nama dan Jabatan dan Pelatihan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Types of Education Education and Training Material Place/Date Organizer
and Training
Dewan Komisaris
Board of Commissioners
Aviliani In House Refreshment Sertifikasi Manajemen Risiko, 05/07/2023 Efektifpro
Efektifpro, Jakarta (2023)
(Komisaris Refreshment Certification of Risk Management,
Utama Independen) Efektifpro, Jakarta (2023)
Independent President
Commissioner
Ali Gunawan In House Refreshment Sertifikasi Manajemen Risiko, 05/07/2023 Efektifpro
Efektifpro, Jakarta (2023)
(Komisaris) Refreshment Certification of Risk Management,
Commissioner Efektifpro, Jakarta (2023)
Off House Risk And Governance Summit (RGS) Tahun 2023 30/11/2023 OJK
Sustainable Governance Digital Transformation
As A Game Changer Ethical Culture As Value
Keeper
Risk And Governance Summit (RGS) 2023
Sustainable Governance Digital Transformation as
A Game Changer Ethical Culture as Value Keeper
Laporan Tahunan & Laporan Keberlanjutan 2023
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Tata Kelola Perusahaan yang Baik
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Sustainability Report 465
Jenis Pendidikan
Nama dan Jabatan dan Pelatihan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Types of Education Education and Training Material Place/Date Organizer
and Training
Rosmaya In House Refreshment Sertifikasi Manajemen Risiko, 05/07/2023 Efektifpro
Efektifpro, Jakarta (2023)
(Komisaris Independen) Refreshment Certification of Risk Management,
Independent Efektifpro, Jakarta (2023)
Commissioner
Off House Sosialisasi Peraturan Otoritas Jasa Keuangan 19/09/2023 OJK
Tentang Penerapan Tata Kelola Bagi Bank Umum
Socialization of Financial Services Authority
Regulations Concerning the Implementation of
Governance for Commercial Banks
Off House Risk And Governance Summit (RGS) Tahun 2023 30/11/2023 OJK
Sustainable Governance Digital Transformation
As A Game Changer Ethical Culture As Value
Keeper
Risk And Governance Summit (RGS) 2023
Sustainable Governance Digital Transformation as
A Game Changer Ethical Culture as Value Keeper
Direksi
Board of Directors
Indra Utoyo In House Rapat Koordinasi Tahun 2023 19/01/2023 PPATK
Coordination Meeting in 2023
(Direktur Utama)
President Director In House Undang Undang Pelindungan Data Pribadi Dan 16/02/2023 Kementrian
Implementasinya Di PT Allo Bank Indonesia Tbk Komunikasi
Personal Data Protection Law and Its Informatika Republik
Implementation at PT Allo Bank Indonesia Tbk Indonesia
Off House Forum Koordinasi Perizinan & Layanan 19/06/2023 Bank Indonesia
Kebanksentralan Central Banking Services
Festival (CBFest) 2023
Central Banking Licensing & Services
Coordination Forum Central Banking Services
Festival (CBFest) 2023
In House Refreshment Sertifikasi Manajemen Risiko - 05/07/2023 Efektifpro
BSMR yang diselenggarakan Efektifpro, Jakarta
(2023)
Refreshment of Risk Management Certification -
BSMR held by Efektifpro, Jakarta (2023)
Off House International Talks 2023 Leveraging Digital 03/10/2023 Bank Indonesia
Central Banking Services For Economic Recovery
Off House Sharing Knowledge Sustainability 17/11/2023 Perbanas
In House Pengujian Business Continuity Management 15/12/2023 Konsultan Observasi
Atau Crisis Management Plan Melalui Table Top BCM Exercise
Exercise Haldi Z
Examining Business Continuity Management
or Crisis Management Plan Through Table Top
Exercise
In House Team Building Allo Temu 2023 16/12/2023 Manajemen Allo
Bank Dan PT
Ruhama Berkah
Mandiri
2023 Annual Report & Sustainability Report
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466 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Jenis Pendidikan
Nama dan Jabatan dan Pelatihan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Types of Education Education and Training Material Place/Date Organizer
and Training
Ari Yanuanto Asah In House Refreshment Sertifikasi Manajemen Risiko - 05/07/2023 Efektifpro
BSMR yang diselenggarakan Efektifpro, Jakarta
(Direktur Keuangan, (2023)
Operasi & Refreshment of Risk Management Certification -
Human Capital) BSMR held by Efektifpro, Jakarta (2023)
Finance, Operations &
Human Capital Director Off House Pelaksanaan Program Kegiatan Tahun Anggaran 03/10/2023 Dirjen Dukcapil
2023 Direktorat Data Kependudukan Nasional
Implementation of the 2023 Fiscal Year Activity
Program of the Directorate of National Population
Data
In House Pengujian Business Continuity Management 15/12/2023 Konsultan Observasi
Atau Crisis Management Plan Melalui Table Top BCM Exercise Haldi
Exercise Z
Examining Business Continuity Management
or Crisis Management Plan Through Table Top
Exercise
In House Team Building Allo Temu 2023 16/12/2023 Manajemen Allo
Bank Dan PT
Ruhama Berkah
Mandiri
Arief Tendeas Off House Seminar Nasional Pembiayaan UMKM Melalui 17/02/2023 Bank Indonesia
Multichannel
(Direktur Bisnis) National Seminar on MSME Financing Through
Business Director Multichannel
Off House Launching Dan Sosialisasi Market Code Of 01/03/2023 Bank Indonesia
Conduct (Brown Book) Edisi 4
Launching and Socialization of Market Code of
Conduct (Brown Book) 4th Edition
In House Refreshment Sertifikasi Manajemen Risiko - 05/07/2023 Efektifpro
BSMR yang diselenggarakan Efektifpro, Jakarta
(2023)
Refreshment of Risk Management Certification -
BSMR held by Efektifpro, Jakarta (2023)
Off House Forum Diskusi Makroprudensial Arah Kredit 26/07/2023 Bank Indonesia
Perbankan 2023 Di Tengah Tantangan Domestik
Dan Global
Macroprudential Discussion Forum on Banking
Credit Direction in 2023 Amid Domestic and
Global Challenges
Off House Diskusi Perumusan Anggaran Dasar Assosiasi 12/10/2023 Bank Indonesia
Pasar Uang Dan Pasar Valuta Asing Indonesia
APUVINDO
Discussion on the Formulation of the Articles
of Association of the Indonesian Money Market
and Foreign Exchange Market Association
APUVINDO
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 469
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Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 467
Jenis Pendidikan
Nama dan Jabatan dan Pelatihan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Types of Education Education and Training Material Place/Date Organizer
and Training
In House Pengujian Business Continuity Management 15/12/2023 Konsultan Observasi
Atau Crisis Management Plan Melalui Table Top BCM Exercise Haldi
Exercise Z
Examining Business Continuity Management
or Crisis Management Plan Through Table Top
Exercise
In House Team Building Allo Temu 2023 16/12/2023 Manajemen Allo
Bank Dan PT
Ruhama Berkah
Mandiri
Off House Webinar AKUBISA Akses Keuangan UMKM 18/12/2023 Bank Indonesia
Melalui Business Matching Dan Literasi Untuk
Peningkatan Daya Saing
AKUBISA Webinar Accessing MSME Finance
Through Business Matching and Literacy to
Increase Competitiveness
Ganda Raharja Rusli Off House Pertemuan Terkait SEOJK Tentang Sertifikasi 16/01/2023 OJK
Manajemen Risiko Bagi Sumber Daya Manusia
(Direktur Risiko, Bank Umum
Kepatuhan & Hukum) SEOJK Related Meeting Concerning Risk
Risk, Compliance & Management Certification for Commercial Bank
Legal Director Human Resources
Off House Rapat Koordinasi Tahun 2023 19/01/2023 PPATK
Coordination Meeting in 2023
In House Workshop Internal EOMR Dan Cyber Risk 10/02/2023 Divisi EOMR Dan
Internal EOMR and Cyber Risk Workshop Cyber Risk
In House Undang Undang Pelindungan Data Pribadi Dan 16/02/2023 Kementrian
Implementasinya Di PT Allo Bank Indonesia Tbk Komunikasi
Personal Data Protection Law and Its Informatika Republik
Implementation at PT Allo Bank Indonesia Tbk Indonesia
Off House Undangan Pertemuan Koordinasi 23/05/2023 PPATK
Invitation to Coordination Meeting
In House Refreshment Sertifikasi Manajemen Risiko - 05/07/2023 Efektifpro
BSMR yang diselenggarakan Efektifpro, Jakarta
(2023)
Refreshment of Risk Management Certification -
BSMR held by Efektifpro, Jakarta (2023)
Off House FGD Tim Kerja Analisis Kolaboratif PPATK Terkait 22/08/2023 PPATK
Pemilihan Umum Dan Pemilihan Kepala Daerah
FGD of the PPATK Collaborative Analysis
Working Team regarding General Elections and
Regional Head Elections
Off House Webinar Compliance Refreshment Emiten Dan 22/08/2023 OJK
Perusahaan Publik
Compliance Refreshment Webinar for Issuers
and Public Companies
2023 Annual Report & Sustainability Report
Page 470
468 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Jenis Pendidikan
Nama dan Jabatan dan Pelatihan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Types of Education Education and Training Material Place/Date Organizer
and Training
Off House Sosialisasi Peraturan Otoritas Jasa Keuangan 19/09/2023 OJK
Tentang Penerapan Tata Kelola Bagi Bank Umum
Socialization of Financial Services Authority
Regulations Concerning the Implementation of
Governance for Commercial Banks
Off House Diseminasi Hasil Pengukuran Financial Integrity 02/11/2023 PPATK
Rating On Money Laundering And Terroris
Financing Tahun 2023 Secara Onsite
Off House Risk And Governance Summit (RGS) Tahun 2023 30/11/2023 OJK
Sustainable Governance Digital Transformation
As A Game Changer Ethical Culture As Value
Keeper
Risk And Governance Summit (RGS) 2023
Sustainable Governance Digital Transformation as
A Game Changer Ethical Culture as Value Keeper
In House Pengujian Business Continuity Management 15/12/2023 Konsultan Observasi
Atau Crisis Management Plan Melalui Table Top BCM Exercise Haldi
Exercise Z
Examining Business Continuity Management
or Crisis Management Plan Through Table Top
Exercise
In House Team Building Allo Temu 2023 16/12/2023 Manajemen Allo
Bank Dan PT
Ruhama Berkah
Mandiri
Sajal Bhatnagar In House Refreshment Sertifikasi Manajemen Risiko - 05/07/2023 Efektifpro
BSMR yang diselenggarakan Efektifpro, Jakarta
(Direktur Digital) (2023)
Digital Director Refreshment of Risk Management Certification -
BSMR held by Efektifpro, Jakarta (2023)
In House Pengujian Business Continuity Management 15/12/2023 Konsultan Observasi
Atau Crisis Management Plan Melalui Table Top BCM Exercise Haldi
Exercise Z
Examining Business Continuity Management
or Crisis Management Plan Through Table Top
Exercise
In House Team Building Allo Temu 2023 16/12/2023 Manajemen Allo
Bank Dan PT
Ruhama Berkah
Mandiri
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 471
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 469
Jenis Pendidikan
Nama dan Jabatan dan Pelatihan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Position Types of Education Education and Training Material Place/Date Organizer
and Training
Sekretaris Perusahaan
Corporate Secretary
Stacey Aryadi Off House Sosialisasi SEOJK No.33/SEOJK.04/2022 31/01/2023 OJK
Suryoputro Tentang Pedoman Pelaksanaan Penawaran Efek
Yang Bukan Merupakan Penawaran Umum
SEOJK Socialization No.33/SEOJK.04/2022
concerning Guidelines for Implementing
Securities Offerings that are not Public Offerings
In House Membangun Tim Melalui Kepemimpinan Yang 04/02/2023 Risiko Manajemen
Efektif Gagasan
Building Teams Through Effective Leadership
In House Aspek Hukum Informasi Dan Transaksi Elektronik 25/02/2023 Hey Law Indonesia
Serta Transformasi Digital
In House Refreshment Sertifikasi Manajemen Risiko - 05/07/2023 Efektifpro
BSMR yang diselenggarakan Efektifpro, Jakarta
(2023)
Refreshment of Risk Management Certification -
BSMR held by Efektifpro, Jakarta (2023)
Off House FGD Insentif Dan Disinsentif Penerapan 21/07/2023 OJK
Keuangan Berkelanjutan
Off House Sosialisasi SPRINT Modul Penilaian Kemampuan 25/07/2023 OJK
Dan Kepatuhan Bank Umum Konvensional Dan
Kantor Perwakilan Dari Bank Yang Berkedudukan
Di Luar Negeri
Off House Webinar Compliance Refreshment Emiten Dan 22/08/2023 OJK
Perusahaan Publik
Compliance Refreshment Webinar for Issuers
and Public Companies
In House Allo Bank Leaders Forum: The Road To Success 08/09/2023 Manajemen Allo
Allo 2.0 Bank
Off House FGD Persamaan Persepsi Perizinan Kelembagaan 26/10/2023 OJK
Pengurus Dan Kepemilikan Bank Umum
Off House Sosialisasi Resolution Plan & Premi PRP Di 08/11/2023 LPS
Jakarta
In House Sosialisasi POJK No.8 Tahun 2023 APU PPT & 16/11/2023 Risiko Manajemen
PPPSPM Di Sektor Jasa Keuangan Gagasan
In House Pengujian Business Continuity Management 15/12/2023 Konsultan Observasi
Atau Crisis Management Plan Melalui Table Top BCM Exercise Haldi
Exercise Z
Examining Business Continuity Management
or Crisis Management Plan Through Table Top
Exercise
In House Team Building Allo Temu 2023 16/12/2023 Manajemen Allo
Bank Dan PT
Ruhama Berkah
Mandiri
2023 Annual Report & Sustainability Report
Page 472
470 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Penilaian Risiko
atas Penerapan Keuangan
Berkelanjutan
Risk Assessment on Sustainable
Finance Implementation
[OJK E.3]
Allo Bank menyadari bahwa situasi lingkungan Allo Bank acknowledges the rapidly evolving external
eksternal dan internal perbankan saat ini mengalami and internal banking landscape, which brings about
perkembangan sangat pesat yang diikuti oleh semakin increasingly intricate risks for banking operations.
kompleksnya risiko bagi kegiatan usaha perbankan. Recognizing the significance of mitigating these risks,
Untuk meminimalkan dampak atas risiko yang muncul, the Bank underscores the importance of integrating
maka implementasi manajemen risiko sebagai bagian risk management as a fundamental component of its
dari praktek tata kelola yang baik pada Bank menjadi governance practices. This encompasses identifying,
sangat penting. Implementasi manajemen risiko assessing, monitoring, and controlling risks inherent in
meliputi fungsi identifikasi, pengukuran, pemantauan, the Bank’s operations, including those associated with
dan pengendalian risiko yang dihadapi Bank, various sustainable finance initiatives.
termasuk dalam menerapkan berbagai program
keuangan berkelanjutan,
Pengelolaan manajemen risiko di lingkup Allo Bank Aligned with Financial Services Authority Regulation
mengacu kepada Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2016 and Financial Services Authority
No. 18/POJK.03/2016 dan Surat Edaran Otoritas Jasa Circular No. 34/SEOJK.03/2016 on the Implementation
Keuangan No. 34/SEOJK.03/2016 tentang Penerapan of Risk Management for Commercial Banks, Allo Bank
Manajemen Risiko bagi Bank Umum. Kerangka kerja adheres to a robust risk management framework.
manajemen risiko Bank menetapkan pendekatan This framework delineates an approach and control
pengelolaan risiko dan kerangka pengendalian di mana mechanism to strike a balance between risk and return.
risiko dikelola untuk mendapatkan keseimbangan antara
risiko (risk) dan pendapatan (return).
Penerapan kerangka kerja manajemen risiko Bank The Bank’s risk management framework encompasses
dilakukan melalui perumusan tingkat risiko yang akan defining risk appetite and tolerance, formulating relevant
diambil (risk appetite), dan toleransi risiko (risk tolerance) policies and procedures, and establishing an integrated
bagi setiap jenis risiko, pengembangan kebijakan dan internal control structure. Moreover, Allo Bank fosters a
prosedur manajemen risiko yang berkesesuaian serta risk-aware culture among its employees, emphasizing
pengembangan struktur pengendalian internal secara the significance of risk awareness and the efficacy of
terpadu. Selain itu, Bank juga membangun budaya risiko the risk management process.
yang menitikberatkan kesadaran seluruh pegawai akan
risiko dan efektivitas proses manajemen risiko.
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 473
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Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 471
Penerapan manajemen risiko di Allo Bank mengacu pada empat The implementation of risk management at Allo Bank refers to the
pilar manajemen risiko, yaitu: following four core pillars:
1. Pengawasan aktif Dewan Komisaris dan Direksi. 1. Active oversight by the Board of Commissioners and Directors.
2. Kecukupan kebijakan, prosedur, dan penetapan limit 2. Adequacy of risk management policies, procedures, and
manajemen risiko. limit determinations.
3. Kecukupan proses identifikasi, pengukuran, pemantauan, dan 3. Robust risk identification, measurement, monitoring, and
pengendalian Risiko serta sistem informasi manajemen risiko. control processes, along with sophisticated risk management
information systems.
4. Sistem pengendalian internal yang menyeluruh. 4. Comprehensive internal control systems.
Penerapan manajemen risiko Allo Bank juga berpedoman pada Furthermore, Allo Bank’s risk management practices are guided
dokumen-dokumen dari Basel Committee on Banking Supervision. by directives from the Basel Committee on Banking Supervision.
Selama tahun pelaporan, Allo Bank senantiasa menerapkan Throughout the reporting period, Allo Bank consistently upheld
manajemen risiko terpadu dan komprehensif sehingga mampu an integrated and comprehensive risk management approach to
mendukung pencapaian target kinerja dan menjaga kelangsungan support performance targets and ensure business continuity. A
usaha. Strategi manajemen risiko yang proaktif akan meningkatkan proactive risk management strategy enhances capital utilization
efektivitas penggunaan modal dan tingkat pengembangan modal effectiveness and fosters capital growth (Return on Equity), thereby
(Return on Equity) sehingga dapat memberikan nilai tambah bagi delivering added value for shareholders.
pemegang saham.
Seiring dengan itu, Bank telah memperhatikan cakupan penilaian In line with this, the Bank meticulously assesses the scope of risk
penerapan manajemen risiko melalui profil risiko Bank baik penilaian management implementation, evaluating the Bank’s risk profile—
inherent risk maupun penilaian kualitas penerapan manajemen including inherent risks and the quality of risk management
risiko serta menyesuaikan setiap indikator penilaian sesuai dengan implementation. This evaluation incorporates new regulations and
peraturan yang baru dengan menggunakan konsep Risk Based utilizes the Risk-Based Bank Rating (RBBR) concept.
Bank Rating (RBBR).
Untuk menguatkan implementasi manajemen risiko, Allo Bank terus To fortify risk management implementation, Allo Bank endeavors
berupaya untuk meningkatkan hasil penilaian peringkat komposit to enhance composite rating assessment outcomes through
melalui perbaikan dan evaluasi pada empat kategori risiko utama enhancements and evaluations across the Bank’s four primary risk
yang dihadapi Bank, di samping risiko lainnya. Keempat risiko categories—credit risk, market risk, liquidity risk, and operational
utama yang dihadapi Bank adalah risiko kredit, risiko pasar, risiko risk—alongside other risk factors. With the involvement of all
likuiditas, risiko operasional . Dengan melibatkan semua unsur stakeholders, the Board of Commissioners and Directors oversee the
dalam Bank dimana Dewan Komisaris dan Direksi mempunyai tugas adequacy of risk management in line with the Bank’s complexity and
memastikan penerapan manajemen risiko telah memadai sesuai risk profile, ensuring a comprehensive understanding of inherent
kompleksitas dan profil risiko Bank serta memahami dengan baik risks in the Bank’s operations.
jenis dan tingkat risiko yang melekat pada kegiatan bisnis Bank.
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Hubungan dengan
Pemangku Kepentingan
Relations with Stakeholders
[OJK E.4]
Allo Bank senantiasa membangun kerja sama dan Allo Bank consistently fosters strong cooperation and
komunikasi yang baik dengan segenap pemangku communication with all stakeholders, both internal
kepentingan, baik pemangku internal maupun eksternal. and external. This commitment is continually nurtured
Komitmen itu terus ditumbuhkan karena Bank meyakini because the Bank recognizes that each stakeholder
setiap pemangku kepentingan berkontribusi terhadap contributes to its performance according to their unique
kinerja Bank sesuai dengan cara dan perannya masing- methods and roles.
masing
Pursuant to OJK Regulation No. 55/POJK.03/2016,
Merujuk Peraturan OJK No. 55/POJK.03/2016, stakeholders encompass all parties with a direct or
pemangku kepentingan adalah seluruh pihak yang indirect interest in the Bank’s business activities. Building
memiliki kepentingan secara langsung atau tidak upon this regulatory framework, Allo Bank defines
langsung terhadap kegiatan usaha Bank. Merujuk stakeholders as entities or individuals affected by the
regulasi tersebut, selanjutnya Allo Bank mendefinisikan Bank’s activities, products, and services. Furthermore,
pemangku kepentingan sebagai entitas atau individu their presence significantly influences Allo Bank’s
yang terpengaruh oleh kegiatan, produk dan jasa ability to realize successful strategy implementation
yang ditawarkan Bank. Di sisi lain, keberadaan mereka and achieve its goals.
juga mempengaruhi Allo Bank dalam mewujudkan
keberhasilan penerapan strategi dan pencapaian tujuan.
Pelibatan pemangku kepentingan diarahkan pada Stakeholder engagement at Allo Bank is guided by
kepentingan Allo Bank dengan memperhatikan considerations of corporate social responsibility,
tanggung jawab sosial perusahaan, kepedulian terhadap environmental concerns, and prioritization in
masalah-masalah lingkungan, serta memperhatikan communication with strategic partners.
skala prioritas dalam membangun komunikasi dengan
berbagai mitra strategis.
Proses pelibatan pemangku kepentingan mencakup The stakeholder engagement process is structured to
upaya Allo Bank untuk memenuhi harapan dari setiap align with Allo Bank’s interests, ensuring that corporate
pemangku kepentingan dengan menggunakan sumber social responsibility objectives are met, environmental
daya yang dimiliki, dengan cara yang tepat, dapat concerns are addressed, and communication with
dipertanggungjawabkan, serta tidak bertentangan strategic partners is effectively managed. This process is
dengan ketentuan yang diatur dalam peraturan carried out in a manner that is appropriate, accountable,
perundang-undangan yang berlaku. Allo Bank and compliant with relevant laws and regulations. Allo
bekerja sama dan berinteraksi dengan para pemangku Bank engages with stakeholders through a formalized
kepentingan melalui proses keterlibatan yang sesuai and appropriate engagement process.
dengan kebutuhan dan dilakukan secara formal.
Sesuai dengan definisi dan pendekatan di atas, In line with the aforementioned definition and approach,
pemangku kepentingan Allo Bank dan metode Allo Bank identifies the following stakeholders and
keterlibatan selengkapnya adalah sebagai berikut: outlines the methods employed for engagement:
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Pemangku Kepentingan Metode Pendekatan
Stakeholders Approach Method
Masukan, keluhan dan permintaan informasi mengenai produk dan layanan
Nasabah dan Klien perbankan dapat diakses setiap waktu melalui website Allo Bank.
Customers and Clients
Feedback, complaints, and requests for information regarding banking products
and services can be accessed at any time through Allo Bank’s website.
Kinerja financial dan pelaksanaan strategi perusahaan dijelaskan pada publik dan
laporan-laporan yang dipublikasikan serta rapat umum pemegang saham tahunan.
Investor
Investors
The Company's financial performance and execution of strategies are explained
to the public through published reports and the annual general meeting
of shareholders.
Kepatuhan dan pelaksanaan prinsip kehati-hatian dan tata kelola perusahaan yang
baik dalam rapat dan diskusi dengan Regulator saat diperlukan.
Regulator
Regulators
Compliance and implementation of the principles of prudence and good corporate
governance are communicated in meetings and discussions with regulators
when necessary.
Program pemberdayaan melalui kegiatan CSR (Corporate Social Responsibility)
Masyarakat
Public
Empowerment program conducted through CSR (Corporate Social Responsibility)
activities.
Permasalahan dalam
Penerapan Keuangan
Berkelanjutan
Issues in Sustainable Finance Implementation
[OJK E.5]
Dalam pelaksanaan program-program tersebut, In implementing these programs, the Bank is
Bank menghadapi permasalahan antara lain belum confronted with problems, including the lack of a
adanya kesamaan pemahaman tentang keuangan common understanding of sustainable finance and
berkelanjutan, termasuk di dalamnya tentang the implementation of the Sustainable Finance Action
pelaksanaan Rencana Aksi Keuangan Berkelanjutan Plan (RAKB).
(RAKB).
Untuk mengatasi hal itu, Bank menyelenggarakan To overcome this, the Bank organizes training for
p e l a t i h a n ke p a d a p i h a k i n t e r n a l t e n t a n g internal parties on sustainable finance.
keuangan berkelanjutan.
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Kinerja Ekonomi
Keberlanjutan
Sustainable Economic Performance
Sekilas Ekonomi Global dan Nasional Overview of National Economy
Kondisi perekonomian global tahun 2023 masih diliputi In 2023, the global economic landscape was characterized by
ketidakpastian sejalan dengan dinamika perekonomian negara- significant uncertainty, mirroring the economic dynamics of
negara maju yang berdampak ke global. Amerika Serikat masih developed nations with widespread global ramifications. The
dihadapkan pada inflasi yang berada di atas target, tingginya suku United States continued to grapple with inflation rates exceeding
bunga, peningkatan tekanan fiskal, dan tergerusnya excess saving targets, elevated interest rates, mounting fiscal pressures, and
yang membayangi pelemahan ekonomi; China masih bergulat diminishing excess savings, overshadowing any economic strengths.
dengan pelemahan ekonomi pasca COVID-19; sedangkan Eropa China faced persistent post-COVID-19 economic challenges, while
kondisi ekonominya melemah dengan defisit fiskal yang meningkat Europe's economic conditions weakened due to escalating fiscal
diiringi oleh core inflation yang cukup tinggi. deficits and relatively high core inflation rates.
Selain faktor ekonomi, ketidakpastian perekonomian global juga Beyond economic factors, geopolitical conditions contributed to
dipengaruhi oleh kondisi geopolitik yang masih bergejolak. Perang global uncertainty, characterized by ongoing volatility. The Russia-
di Rusia melawan Ukraina belum ada tanda-tanda akan berakhir, Ukraine conflict showed no signs of resolution, alongside ongoing
berikutnya disusul dengan terjadinya konflik di Timur Tengah, tensions in the Middle East, particularly between Israel and Palestine.
yaitu Israel melawan Palestina yang juga masih berkepanjangan. These geopolitical tensions pose a downside risk to global economic
Kondisi tersebut menimbulkan downside risk terhadap prospek growth prospects, with the potential for further conflict escalation,
pertumbuhan ekonomi global, terlebih lagi ada kemungkinan especially in the Israel-Palestine region.
perang akan melebar, terkhusus antara Israel vs Palestina.
Berkaca pada kondisi tersebut, lembaga ekonomi global seperti Amidst the global economic slowdown, projections from global
Dana Moneter Internasional (IMF) dan Bank Dunia memprediksi economic institutions like the International Monetary Fund (IMF)
pertumbuhan ekonomi global tahun 2023 melemah dibandingkan and the World Bank indicate a weakening of global economic
tahun sebelumnya. IMF melakukan revisi dengan menyebut angka growth in 2023 compared to previous years. The IMF revised its
pertumbuhan ekonomi global menjadi hanya 3%, sedangkan global economic growth forecast to 3%, while the World Bank
Bank Dunia justru menyebut angka 2,1%. Di sisi lain, inflasi placed it at 2.1%. Concurrently, inflation is anticipated to rise to
diprediksi mencapai level 5,8%, lebih tinggi dibandingkan periode 5.8%, surpassing pre-pandemic levels.
sebelum pandemi.
Di tengah perlambatan ekonomi global, merujuk data Badan Contrasting this global trend, Indonesia's economy has demonstrated
Pusat Statistik (BPS), ekonomi Indonesia berhasil menunjukkan resilient and sustainable growth according to Statistics Indonesia
pertumbuhan berkelanjutan yaitu pada angka 5,05% (year-on-year/ (BPS), achieving a year-on-year growth rate of 5.05%. Although this
yoy). Walau melambat dibandingkan tahun 2022 yang mencapai is a slight decrease from 2022's growth rate of 5.31%, Indonesia's
5,31%, pertumbuhan ekonomi Indonesia tersebut masih diatas economic performance exceeds the predictions of several global
prediksi sejumlah lembaga ekonomi global. Bank Dunia, IMF, economic institutions. The World Bank, IMF, and Asian Development
dan Asian Development Bank (ADB), ketiganya memprediksi Bank (ADB) have all forecasted Indonesia's economic growth for
pertumbuhan ekonomi Indonesia pada tahun 2024 di kisaran 2024 within the range of 5.0% to 5.2%.
5,0 - 5,2%.
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Kinerja Lapangan Usaha Jasa Keuangan 2023 Banking Industry Performance in 2023
Keberhasilan Indonesia meraih keberlanjutan ekonomi ditandai Indonesia's strides towards economic sustainability are underscored
dengan bertumbuhnya 17 lapangan usaha yang dijadikan sebagai by the growth of 17 key business sectors, serving as the foundation
dasar bagi BPS dalam menyusun pertumbuhan ekonomi Indonesia. for Statistics Indonesia (BPS) in steering Indonesia's economic
Lapangan usaha yang mengalami pertumbuhan tertinggi adalah progress. Noteworthy sectors include Transportation and
Transportasi dan Pergudangan sebesar 13,96%; diikuti Jasa Lainnya Warehousing, experiencing a notable growth rate of 13.96%;
sebesar 10,52%; dan Penyediaan Akomodasi dan Makan Minum followed by Other Services at 10.52%; and Accommodation, Food
sebesar 10,01%. Sementara itu, Industri Pengolahan yang memiliki and Beverage Services with a growth rate of 10.01%. Meanwhile,
peran dominan tumbuh 4,64%. Sedangkan Pertanian, Kehutanan, the Processing Industry, holding a significant role, saw growth of
dan Perikanan serta Perdagangan Besar dan Eceran; Reparasi 4.64%. Conversely, Agriculture, Forestry, and Fisheries, along with
Mobil dan Sepeda Motor masing-masing tumbuh sebesar 1,30% Wholesale and Retail Trade; Car and Motorcycle Repairs, exhibited
dan 4,85%. Dua lapangan usaha dengan pertumbuhan tertinggi growth rates of 1.30% and 4.85% respectively. The standout
yaitu Transportasi & Pergudangan, Jasa Lainnya, serta Akomodasi sectors of Transportation & Warehousing, Other Services, and
& Makan Minum didorong oleh peningkatan mobilitas masyarakat; Accommodation & Food and Beverage Services are propelled by
penyelenggaraan event internasional, seperti Piala Dunia U-17, heightened community mobility and the organization of international
pertemuan KTT ASEAN, MotoGP Mandalika dan persiapan events such as the U-17 World Cup, ASEAN Summit meetings,
pemilihan umum. Mandalika MotoGP, and preparations for general elections.
Industri Pengelolaan 3,39
Management Industry
4,89
4,64
Perdagangan, 4,63
Reparasi Mobil &
Motor 5,53
Trading, Car &
Motorbike Repair 4,85
Pertanian, 1,87
kehutanan & Perikanan
Agriculture, Forestry & 2,25
fisheries
1,30
Pertambangan & 4,00
Penggalian
Mining & Quarrying 4,38
6,12
Konstruksi 2,81
Construction
2,01
4,91
Transportasi & 3,24
Pergudangan
Transportation & 19,87
Warehousing
13,96
Informasi & 6,82
Komunikasi
Information & 7,73
Communication
7,59
Jasa Keuangan & 1,56
Asuransi
Financial Services & 1,93
Insurance
4,77
Lainnya 3,60
Other
6,10
4,95
Sumber: Berita Resmi Statistik BPS, 5 Februari 2024
Source: Official News from BPS Statistics, February 5, 2024
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Terkhusus lapangan usaha Jasa Keuangan dan Asuransi, termasuk In 2023, the Financial Services and Insurance sector, which
di dalamnya industri perbankan, pada tahun 2023 tumbuh sebesar includes the banking industry, experienced significant growth,
4,77%, meningkat signifikan dibanding tahun 2022 yang mencapai expanding by 4.77% compared to 1.93% in 2022. According to
1,93%. Menurut Otoritas Jasa Keuangan (OJK), sektor perbankan the Financial Services Authority (OJK), the banking sector has
tetap resilien di tengah tantangan global. Lembaga ini menyebutkan demonstrated resilience amid global challenges. Until October
hingga Oktober 2023 fungsi intermediasi tumbuh optimal dengan 2023, the intermediation function has grown optimally, with credit
pertumbuhan kredit tercatat 8,99% secara tahunan (year-on-year/ expansion recorded at 8.99% year-on-year (YoY). Breaking down the
yoy). Berdasarkan tujuan pemberian kredit tercatat kredit investasi objectives of lending, investment credit surged by 10.22%, working
tumbuh 10,22%, kredit modal kerja tumbuh 8,10% dan kredit capital credit increased by 8.10%, and consumption loans grew
konsumsi tumbuh 9,28%. Adapun sektor ekonomi utama pendorong by 9.28%. Key economic sectors driving credit growth included
pertumbuhan kredit adalah pertambangan yang tumbuh sebesar mining (15.23% growth), transportation (14.30% growth), agriculture
15,23%, transportasi 14,30%, pertanian 8,62%, dan perdagangan (8.62% growth), and trade (5.70% growth).
5,70%.
Selaras dengan itu, pertumbuhan juga terjadi pada Dana Pihak In conjunction with the growth observed in the Financial Services
Ketiga (DPK) yaitu sebesar 3,43%, yang ditopang oleh pertumbuhan and Insurance sector, there was also notable growth in Third Party
giro sebesar 6,01%. Sejumlah indikator kinerja perbankan lainnya Funds (DPK) by 3.43%, supported particularly by a robust increase in
juga menunjukkan posisi aman. OJK mencatat, rasio-rasio current accounts at 6.01%. Several other key performance indicators
perbankan terkait dengan masalah NPL (Non-Performing Loan/ within the banking sector also portray a secure position. The
kredit bermasalah) dan lainnya terpantau membaik, CAR (capital Financial Services Authority (OJK) has highlighted improvements
adequacy ratio/rasio kecukupan modal) pun tinggi. Secara rinci, in banking ratios related to Non-Performing Loans (NPLs) and
kualitas kredit tetap terjaga dengan rasio NPL net perbankan other credit issues, alongside a high Capital Adequacy Ratio (CAR)
sebesar 0,77% dan NPL gross sebesar 2,42%. Adapun, CAR indicating strong capital reserves. Specifically, credit quality has
telah mencapai 27,48% pada Oktober 2023. Kondisi likuiditas been upheld with a banking net NPL ratio of 0.77% and a gross
perbankan pun masih ample (atau jauh di atas threshold) di mana NPL ratio of 2.42%. Furthermore, the CAR has reached 27.48%
rasio alat likuid per DPK (AL/DPK) mencapai level 26,36% di atas as of October 2023. Liquidity conditions within the banking sector
ambang batas 10%. are also satisfactory, with the liquid assets-to-Third Party Funds
(AL/DPK) ratio standing at 26.36%, surpassing the 10% threshold.
Sementara itu, berdasarkan Survei Orientasi Bisnis Perbankan OJK According to the quarterly OJK Banking Business Orientation
(SBPO) triwulanan dari OJK, indeks orientasi bisnis perbankan Survey (SBPO), the banking business orientation index stands
berada di level 62 atau zona optimis. Responden dari perbankan at 62, indicating an optimistic outlook. Respondents from banks
memperkirakan kinerja perbankan akan tetap terjaga pada anticipate that banking performance will remain stable in the fourth
kuartal IV/2023. Optimisme kinerja perbankan itu didorong oleh quarter of 2023. The optimism regarding banking performance
ekspektasi bahwa penyaluran kredit masih akan cukup baik sehingga is fueled by expectations of continued credit distribution, which is
berdampak pada peningkatan laba dan modal perbankan. anticipated to positively impact banking profits and capital levels.
Berdasarkan berbagai parameter di atas, secara umum, OJK Based on the diverse parameters discussed above, the Financial
menegaskan bahwa perbankan di Tanah Air pada 2023 resilien Services Authority (OJK) affirms that the domestic banking industry
dan daya tahannya bagus. Dalam hal ini, Indonesia bisa lepas in Indonesia exhibited resilience and strong endurance throughout
dari masalah global, misalnya krisis perbankan di AS yang 2023. The resilient state is evident by the nation’s capability in
merembet ke Swiss. Pada awal tahun 2023, berbagai kalangan escaping global turmoil, not to mention the banking crisis in the
mengkhawatirkan terjadi gangguan stabilitas sistem keuangan US, similar to what happens in Switzerland. In early 2023, many
global imbas bangkrutnya sejumlah bank di AS. were concerned with disruption in the stability of global financial
system as the result of bankruptcy of several banks in the US.
Kinerja Ekonomi Allo Bank Tahun 2023 Allo Bank Economic Performance in 2023
Sejalan dengan semakin tingginya penetrasi internet di tengah In line with the increasing internet penetration among the public
masyarakat serta masih besarnya potensi pasar yang belum tergarap and the untapped potential of a significant market segment, the
merupakan ceruk pasar yang sangat potensial bagi pelaku industri digital banking industry finds itself in a highly promising niche.
perbankan berbasis digital. Di sepanjang tahun 2023, lebih dari 15 Throughout 2023, over 15 banks offering digital services intensified
bank yang menyediakan layanan digital meramaikan persaingan the competition within Indonesia's market landscape.
di pasar Indonesia .
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Kondisi faktual seperti itu, ditopang dengan bertumbuhnya ekonomi Such factual conditions, supported by sustained national economic
nasional yang berkelanjutan pada tahun 2023, maka transaksi digital growth in 2023, also led to the growth of digital banking transactions
banking pada tahun 2023 pun turut bertumbuh. Bank Indonesia (BI) in that year. Bank Indonesia (BI) noted that in 2023, the value of
mencatat pada tahun 2023, nilai transaksi digital banking tercatat digital banking transactions reached Rp58,478.24 trillion, marking
Rp58.478,24 triliun atau tumbuh sebesar 13,48 persen (yoy). a 13.48 percent year-on-year increase. Furthermore, the upward
Bahkan, tren peningkatan akan terus berlanjut dan diproyeksikan trend is expected to continue, with a projected 9.11 percent year-
meningkat 9,11 persen (yoy) hingga mencapai Rp63.803,77 triliun on-year increase, reaching Rp63,803.77 trillion in 2024.
pada tahun 2024 .
Bank Indonesia juga mencatat nilai transaksi Uang Elektronik (UE) Bank Indonesia also noted a 43.45 percent year-on-year increase in
meningkat 43,45 persen (yoy) sehingga mencapai Rp835,84 triliun the value of Electronic Money (UE) transactions, reaching Rp835.84
dan diproyeksikan meningkat 25,77 persen (yoy) hingga mencapai trillion, and it is projected to increase by 25.77 percent year-on-year
Rp1.051,24 triliun pada tahun 2024. Adapun nominal transaksi QRIS to reach Rp1,051.24 trillion in 2024. Additionally, the transaction
tercatat tumbuh 130,01 persen (yoy) dan mencapai Rp229,96 triliun. volume for QRIS surged by 130.01 percent year-on-year, reaching
Kinerja bank berbasis digital semakin meyakinkan dengan jumlah Rp229.96 trillion. The performance of digital-based banks is
pengguna yang mencapai 45,78 juta dan jumlah merchant 30,41 becoming more convincing, with a user base of 45.78 million and
juta yang sebagian besar merupakan UMKM. 30.41 million merchants, the majority of which are Micro, Small,
and Medium Enterprises (MSMEs).
Allo Bank sebagai salah satu pelaku di industri perbankan terus Allo Bank, as one of the players in the banking industry, continues
berupaya untuk turut berkontribusi dalam mengembangkan to strive to contribute to the development of the ecosystem in the
ekosistem di Tanah Air. Langkah nyata yang dilakukan antara lain country. Concrete steps taken include creating innovative services
Bank terus menciptakan inovasi layanan dan melakukan penetrasi and expanding market penetration. Innovation is carried out by
pasar yang lebih luas. Inovasi dilakukan dengan terus menempatkan consistently placing trust and transparency at the forefront to
trust dan transparansi pada titik paling tinggi agar perlindungan ensure customer-centric protection in digital transactions as the
customer centric dalam transaksi digital menjadi pondasi awal. foundational principle. In line with this, the bank continues to strive
Selaras dengan itu, Bank terus berupaya untuk menerapkan standar for the highest standards in customer risk management and security.
tertinggi terkait manajemen resiko dan keamanan nasabah.
Lebih lanjut, untuk meraih kepercayaan nasabah, Allo Bank Furthermore, to gain customer trust, Allo Bank focuses on delivering
berfokus untuk menghadirkan value proposition terbaik untuk the best value proposition for all products and services, which are
semua produk dan layanan, yang selanjutnya dikembangkan then expanded into other ecosystems. The Bank also continually
ke ekosistem lainnya. Bank juga senantiasa memperkuat sinergi strengthens synergies with the CT Corpora group and other
dengan grup CT Corpora serta strategic business partner lainnya strategic business partners to develop the ecosystem. Additionally,
dalam mengembangkan ekosistem. Selain itu, Bank juga terus the Bank continues to develop financing for wholesale customers
mengembangkan pembiayaan untuk nasabah wholesale untuk for investment purposes or business capital to support real sector
keperluan investasi maupun modal usaha agar dapat mendukung growth. The Bank believes that this sound approach can contribute
pertumbuhan sektor riil. Bank meyakini bahwa pendekatan yang to sustainable business growth while also having a positive impact
baik ini dapat memberikan kontribusi dalam meningkatkan bisnis on the national economy.
secara berkelanjutan sekaligus memberikan dampak positif pada
perekonomian nasional.
Pertumbuhan ekonomi Indonesia yang berkelanjutan pada tahun The sustained economic growth in Indonesia in 2023, as highlighted
2023, termasuk pada lapangan usaha jasa keuangan sebagaimana by Statistics Indonesia (BPS), including in the financial services
disampaikan BPS, turut berdampak positif pada keberlanjutan bisnis sector, has had a positive impact on the continued success of
Allo Bank. Hal itu ditunjukkan dengan adanya tren meningkatnya Allo Bank's business. This is evidenced by the increasing trend
pencapaian kinerja ekonomi sebagaimana disampaikan dalam in economic performance as reported in the audited financial
laporan keuangan tahun pelaporan yang telah diaudit oleh statements for the reporting year by the Public Accountant's Office.
Kantor Akuntan Publik. Pencapaian tersebut juga ditopang oleh These achievements are also supported by the accuracy of strategic
ketepatan langkah dan kebijakan strategis yang ditetapkan Bank steps and policies set by the Bank to achieve its targets and optimal
untuk mewujudkan target dan kinerja terbaik dalam Rencana Bisnis performance in the 2023 Bank Business Plan (RBB). This plan
Bank (RBB) Tahun 2023. Rencana tersebut disusun berdasarkan was formulated based on an evaluation of Indonesia's economic
evaluasi atas kondisi perekonomian Indonesia tahun 2022 dan conditions in 2022 and optimistic predictions from various national
prediksi dari berbagai lembaga nasional dan internasional terhadap and international institutions regarding the economy in 2023.
perekonomian tahun 2023 yang bernada optimis.
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Adapun langkah dan kebijakan strategis tahun 2023 yang In 2023, the Bank has formulated the following strategic initiatives
menopang pertumbuhan bisnis Allo Bank selama tahun pelaporan and policies that are expected to sustain Allo Bank’s business
adalah sebagai berikut: throughout the reporting year:
1. Melakukan penetrasi pasar berkelanjutan ke berbagai 1. Carry out sustainable market penetration into various customer
segmentasi nasabah dengan terus memberikan nilai tambah segments by continuously providing added value through
(added value) melalui implementasi 3 pilar strategi bisnis Bank implementing the 3 pillars of the Bank's business strategy
(acquisition, engagement and monetization); (acquisition, engagement and monetization);
2. Meningkatkan layanan digital secara signifikan yang berdampak 2. Significantly improve digital services which have an impact on
pada peningkatan aset dan liabilitas; increasing assets and liabilities;
3. Menjalin kolaborasi dengan mitra strategis (strategic partners) 3. Establish collaboration with key ecosystem strategic partners
ekosistem utama melalui penerapan model open banking untuk through the implementation of open banking model to enrich
memperkaya dan meningkatkan nilai layanan finansial yang and enhance the value of financial services provided by
disediakan oleh Bank; the Bank;
4. Penguatan data driven organization dengan memanfaatkan 4. Reinforce data driven organizations by utilizing Artificial
kapabilitas Artificial Intelligence (AI) dan data analytic untuk Intelligence (AI) capabilities and data analytics to improve the
meningkatkan keunggulan kompetitif Bank; Bank's competitive advantage;
5. Penguatan manajemen risiko menggunakan teknologi terkini 5. Strengthen risk management using the latest technology
melalui peningkatan IT Maturity dalam rangka memperkuat through the improvement of IT Maturity in order to strengthen
operasional Bank; Bank operations;
6. Pengembangan talenta DIGITAL untuk mencapai kinerja Bank 6. Development of DIGITAL talent to achieve superior Bank
yang unggul; dan performance; And
7. Penguatan Good Corporate Governance (GCG) di seluruh 7. Strengthen Good Corporate Governance (GCG) in all Ba nk
fungsi organisasi Bank. organizational functions.
Selama tahun 2023, manajemen didukung segenap karyawan Allo Throughout 2023, Allo Bank's management, supported by all
Bank telah melakukan sosialisasi dan bersinergi dengan seluruh employees, conducted extensive dissemination and synergized with
jajaran untuk menerapkan berbagai langkah strategis tersebut all levels to implement the aforementioned strategic steps, while
di atas, sekaligus sebagai upaya dan komitmen Bank dalam also demonstrating the bank's commitment to building a culture
membangun budaya keberlanjutan. Upaya tersebut membawa of sustainability. These efforts yielded impressive performance
hasil dengan pencapaian kinerja yang membanggakan selama achievements during the reporting year. The detailed performance
tahun pelaporan. Kinerja selengkapnya ditunjukkan dalam tabel is illustrated in the following table: [OJK F.1, F.2]
berikut: [OJK F.1, F.2]
Tabel Perbandingan Target dan Kinerja Pembiayaan, Pendapatan dan Laba Rugi Tahun 2021-2023
Comparison Table of Financing, Revenue and Profit and Loss Targets and Performance for 2021-2023
2023 2022 2021
Target Target Target
dalam dalam dalam
Uraian Realisasi Realisasi Realisasi
RBB % RBB % RBB %
Description Realization Realization Realization
Target in Target in Target in
RBB RBB RBB
1 2 1:2 3 4 3:4 5 6 5:6
Total Aset
12.300.150 12.750.435 103,66% 15.641.515 11.058.957 70,70% 3.502.814 4.649.357 132,73%
Total Assets
Aset Produktif
11.149.602 12.184.632 109,28% 14.783.855 10.431.565 70,56% 3.360.117 4.182.567 124,48%
Productive Assets
Kredit/Pembiayaan Bank
8.000.000 7.385.708 92,32% 7.765.896 7.205.558 92,78% 87.602 2.198.243 2.509,35%
Bank Loans/Financing
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2023 2022 2021
Target Target Target
dalam dalam dalam
Uraian Realisasi Realisasi Realisasi
RBB % RBB % RBB %
Description Realization Realization Realization
Target in Target in Target in
RBB RBB RBB
1 2 1:2 3 4 3:4 5 6 5:6
Dana Pihak Ketiga
5.350.000 4.898.665 91,56% 6.132.231 4.415.491 72,00% 323.268 2.124.024 657,05%
Third Party Fund
Pendapatan Operasional
1.039.446 1.159.330 111,53% 636.317 760.749 119,56% 133.937 301.156 224,85%
Operating Income
Beban Operasional
612.986 535.827) 87,41% 216.575 359.884 166,17% 113.168 84.004 74,23%
Operating Expense
Laba Bersih
324.896 444.566. 136,83% 285.005 270.030 94,75% 45.180 192.475 426,01%
Net Profit
Rasio Kinerja (Persen)
Performance Ratio (Percent)
Rasio Kecukupan Modal
Minimum (KPMM)
74,11% 83,35% 112.47% 76,21% 79,53% 104,36% 199,74% 48,82% 24,44%
Capital Adequacy Ratio
(CAR)
Aset Produktif Bermasalah
dan Aset Non Produktif
Bermasalah terhadap Total
Aset Produktif dan Aset Non
Produktif 0,22% 0,05% 21,96% 0,04% 0,00% 0,00% 0,00% 2,12% N/A
Non-Performing Productive
and Non-Productive Assets
to Total Productive and Non-
Productive
Aset Produktif Bermasalah
terhadap Total Aset Produktif
Non-Performing Productive 0,22% 0,05% 21,96% 0,04% 0,00% 0,00% 0,00% 0,27% N/A
Assets to Total Productive
Assets
Cadangan Kerugian
Penurunan Nilai (CKPN) Aset
Keuangan terhadap Aset
Produktif
0,57% 0,51% 89,67% 0,37% 0,52% 142,94% 0,10% 0,64% 651,42%
CKPN Allowance for
Impairment Losses
on Financial Assets to
Productive Assets
NPL Gross 0,31% 0,08% 26,00% 0,07% 0,01% 17,57% 0,00% 0,52% N/A
NPL Net 0,19% 0,05% 26,38% 0,04% 0,01% 17,67% 0,00% 0,29% N/A
Return on Asset (ROA) 3,40% 4,76% 139,83% 3,48% 3,55% 102,09% 1,24% 4,74% 380,74%
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2023 2022 2021
Target Target Target
dalam dalam dalam
Uraian Realisasi Realisasi Realisasi
RBB % RBB % RBB %
Description Realization Realization Realization
Target in Target in Target in
RBB RBB RBB
1 2 1:2 3 4 3:4 5 6 5:6
Return on Equity (ROE) 5,04% 6,70% 133,03% 4,59% 4,36% 94,97% 7,14% 25,64% 359,04%
Net Interest Margin (NIM) 8,00% 9,01% 112,74% 5,10% 6,70% 131,31% 3,76% 4,63% 123,21%
Rasio Efisiensi (BOPO)
68,99% 59,87% 86,78% 51,70% 60,51% 117,04% 85,81% 52,38% 61,04%
Efficiency Ratio (OEOI)
Loan to Deposit Ratio (LDR) 149,53% 150,77% 100,83% 126,64% 163,19% 128,86% 27,10% 103,49% 381,91%
*) Hanya diisi oleh Bank yang diwajibkan untuk menyusun dan mempublikasikan perhitungan dan nilai Liquidity Coverage Ratio (LCR) Triwulanan
sebagaimana diatur dalam ketentuan mengenai kewajiban pemenuhan rasio kecukupan likuiditas (LCR) bagi Bank umum. Nilai LCR pertama kali
disajikan untuk posisi laporan bulan Maret 2019.
*) This is only filled in by banks that are required to prepare and publish quarterly Liquidity Coverage Ratio (LCR) calculations and values as regulated in
the provisions concerning the obligation to fulfil Liquidity Coverage Ratio (LCR) requirements for commercial Banks. The LCR value is first presented for
the position of the March 2019 report.
Selanjutnya, sebagai bagian dari Lembaga Jasa Keuangan yang Furthermore, as part of the Financial Services Institution actively
ikut serta mendorong pembangunan berkelanjutan, Allo Bank promoting sustainable development, Allo Bank has mapped out
telah melakukan pemetaan tentang produk dan pembiayaan yang its products and financing offerings to customers in line with
ditawarkan kepada nasabah sesuai dengan Kriteria Kegiatan Usaha Sustainable Business Activity Criteria (KKUB). This mapping refers to
Berkelanjutan (KKUB). Pemetaan merujuk pada Pedoman Teknis the Technical Guidelines for Banks Regarding the Implementation of
bagi Bank Terkait Implementasi POJK No. 51/POJK.03/2017 POJK No. 51/POJK.03/2017 on Sustainable Finance Implementation
Tentang Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa for Financial Services Institutions, Issuers, and Public Companies
Keuangan, Emiten dan Perusahaan Publik yang diterbitkan OJK issued by OJK in 2018, as well as Article 4 of OJK Regulation No.
tahun 2018, dan pasal 4, Peraturan Otoritas Jasa Keuangan No. 60/ 60/POJK.04/2017 Regarding the Issuance and Requirements of
POJK.04/2017 Tentang Penerbitan dan Persyaratan Efek Bersifat Environmentally Friendly Debt Securities (Green Bonds), which
Utang Berwawasan Lingkungan (Green Bond) yang menjelaskan outlines the 11 Sustainable Environmental Business Activities
11 (sebelas) Kegiatan Usaha Berwawasan Lingkungan (KUBL). (KUBL). In addition to the 11 categories, one additional category
Selain ke-11 kategori, ditambahkan 1 (satu) kategori kegiatan usaha of sustainable business activities has been included, namely Micro,
berkelanjutan, yaitu kategori Usaha Mikro, Kecil dan Menengah Small, and Medium Enterprises (MSMEs). It serves as a manifestation
(UMKM) sebagai perwujudan prinsip keuangan berkelanjutan, yaitu of the principle of sustainable finance, namely the inclusive principle.
prinsip inklusif. Berdasarkan pemetaan yang dilaksanakan Allo Bank Based on the mapping conducted by Allo Bank, where products and
di mana produk dan layanan yang ditawarkan di antaranya adalah services offered include pay-later and instant cash, the Bank does
paylater dan instant cash, maka Bank belum memiliki pembiayaan not currently have financing in line with KKUB or KUBL. [OJK F.3]
sesuai KKUB atau KUBL. [OJK F.3]
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Kinerja Lingkungan
Keberlanjutan
Sustainable Environmental
Performance
Pemanasan global dan perubahan iklim merupakan masalah besar Global warming and climate change are significant problems facing
yang dihadapi warga dunia, termasuk Indonesia. Terlebih lagi, citizens worldwide, including those in Indonesia. Moreover, the
dampak negatif atas fenomena tersebut semakin nyata antara lain negative impacts of this phenomenon are increasingly evident,
kian sering terjadi bencana hidrometeorologi, yaitu bencana yang including the rising frequency of hydrometeorological disasters,
diakibatkan oleh aktivitas cuaca. Bentuk bencananya beragam, namely disasters caused by weather activity. There are various forms
seperti banjir, badai, longsor, angin puyuh dan sebagainya. Di of disasters, such as floods, storms, landslides, whirlwinds, and so
antaranya penyebab pemanasan global dan perubahan iklim on. Among the causes of global warming and climate change is
adalah terus bertambahnya emisi gas rumah kaca yang bersumber the continued increase in greenhouse gas emissions originating
dari berbagai aktivitas manusia. Untuk mencegah dampak yang from various human activities. To prevent worse impacts on a wider
lebih buruk dan skala yang lebih luas, seruan agar semua negara scale, the call for all countries to contribute to handling global
berkontribusi dalam penanganan masalah global un menguat. problems is strengthened.
Sebagai bagian dari warga dunia, Indonesia berkomitmen As part of the world's citizens, Indonesia is committed to participating
untuk turut serta menangani perubahan iklim dan pemanasan in dealing with climate change and global warming. For this reason,
global. Untuk itu, Indonesia menargetkan Nationally Determined Indonesia is targeting a Nationally Determined Contribution (NDC)
Contribution (NDC) berupa penurunan emisi karbon sebesar 41% in the form of reducing carbon emissions by 41% by 2030 and
(2030) dan menuju net zero carbon pada 2060 atau lebih cepat moving towards net zero carbon by 2060 or sooner. Climate change
lagi. Perubahan iklim dan transisi menuju net zero carbon yang and the transition to net zero carbon set by Indonesia are believed
ditetapkan Indonesia diyakini akan meningkatkan risiko baik bagi to increase risks for both individuals and companies, where this
perorangan maupun perusahaan di mana dampak tersebut akan impact will spill over into the financial sector.
bermuara ke sektor keuangan.
Berkaca dari kondisi di atas, risiko yang timbul akibat perubahan iklim Reflecting on the conditions above, the risks arising from climate
menjadi tantangan tersendiri bagi industri perbankan di Tanah Air. change pose a challenge for the banking industry in the country.
Dalam hal ini, perbankan semakin dituntut untuk dapat beradaptasi In this case, banks are increasingly required to be able to adapt
dengan mengintegrasikan pertimbangan risiko iklim ke dalam by integrating climate risk considerations into strategic decisions,
keputusan strategis, proses bisnis, tata kelola dan kerangka kerja business processes, governance, and risk management frameworks.
manajemen risiko. Untuk menjawab tuntutan tersebut, kebijakan To meet these demands, concrete policies that can be taken include
nyata yang bisa diambil antara lain perbankan harus memastikan ensuring that banks ensure that projects carried out by debtors do
bahwa proyek-proyek yang dijalankan debitur tidak berpotensi not have the potential, let alone factually, have a negative impact
apalagi secara faktual berdampak negatif terhadap lingkungan. on the environment. Ascertainment becomes even more important
Pemastian semakin penting apabila proyek tersebut ditengarai if the project is suspected to produce high carbon emissions.
menghasilkan emisi karbon yang tinggi.
Pentingnya industri perbankan turut berkontribusi terhadap The importance of the banking industry contributing to
kelestarian lingkungan sudah diatur melalui berbagai regulasi environmental sustainability has been regulated through various
di Indonesia. Regulasi tersebut di antaranya Undang-Undang regulations in Indonesia. These regulations include Law of the
Republik Indonesia No. 10 Tahun 1998 tentang Perubahan Atas Republic of Indonesia No. 10 of 1998 concerning Amendments
Undang-Undang No. 7 Tahun 1992 tentang Perbankan, yang to Law No. 7 of 1992 concerning Banking, which regulates the
di dalamnya mengatur tentang prinsip kehati-hatian dalam principle of prudence in lending; Law of the Republic of Indonesia
penyaluran kredit; Undang-Undang Republik Indonesia No. 32 No. 32 of 2009 concerning Environmental Protection and
Tahun 2009 tentang Perlindungan dan Pengelolaan Lingkungan Management where in Article 43, paragraph (3), letter c there
Hidup di mana dalam Pasal 43, ayat (3), huruf c terdapat klausul, is a clause, "Development of environmentally friendly financial
“Pengembangan sistem lembaga keuangan dan pasar modal yang institution and capital market systems" as well as the Financial
ramah lingkungan hidup”; serta Otoritas Jasa Keuangan merilis Services Authority releasing Financial Services Authority Regulation
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Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017 tentang No. 51/POJK.03/2017 concerning the Implementation of Sustainable
Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Finance for Financial Services Institutions, Issuers, and Public
Emiten dan Perusahaan Publik (POJK Keuangan Berkelanjutan). Companies (POJK Sustainable Finance). With this regulation,
Dengan peraturan ini, maka perbankan sebagai lembaga jasa banks as financial service institutions are obliged to apply the
keuangan wajib menerapkan prinsip keuangan berkelanjutan principles of sustainable finance. In Indonesia, sustainable finance
atau sustainable finance. Di Indonesia, keuangan berkelanjutan is defined as comprehensive support from the financial services
didefinisikan sebagai dukungan menyeluruh dari industri jasa industry for sustainable growth resulting from harmony between
keuangan untuk pertumbuhan berkelanjutan yang dihasilkan dari economic, social, and environmental interests. The application
keselarasan antara kepentingan ekonomi, sosial, dan lingkungan of sustainable finance is needed as important capital to realize
hidup. Penerapan keuangan berkelanjutan diperlukan sebagai sustainable development.
modal penting untuk mewujudkan pembangunan berkelanjutan.
Menurut Otoritas Jasa Keuangan (OJK), sustainable finance memiliki With reference to the Financial Services Authority (OJK), sustainable
lima dimensi, yaitu pencapaian keunggulan industri, sosial, dan finance has five dimensions, namely achieving industrial, social, and
ekonomi dalam rangka mengurangi ancaman pemanasan global economic excellence in the context of reducing the threat of global
serta pencegahan terhadap permasalahan lingkungan hidup dan warming and preventing other environmental and social problems;
sosial lainnya; pergeseran target menuju ekonomi rendah karbon shifting targets towards a competitive low-carbon economy;
yang kompetitif; promosi investasi ramah lingkungan hidup di promoting environmentally friendly investment in various business/
berbagai sektor usaha/ekonomi, dan pemberian dukungan pada economic sectors, and providing support for the implementation
pelaksanaan prinsip-prinsip pembangunan Indonesia 4P (pro- of Indonesia's 4P development principles (pro-growth, pro-jobs,
growth, pro-jobs, pro-poor, dan pro-environment). pro-poor, and pro-environment).
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Komitmen Allo Bank Allo Bank Commitment
Allo Bank mendukung penerapan keuangan berkelanjutan di Allo Bank is committed to supporting the implementation of
Indonesia dengan melakukan penyesuaian sejumlah kebijakan sustainable finance in Indonesia by aligning a number of policies
agar selaras dengan komitmen mengutamakan nilai lingkungan with a commitment to prioritize environmental, social, and
(environmental), sosial (social), dan tata kelola (governance) atau governance (ESG) values. Adjustments made include updating
ESG. Penyesuaian yang dilakukan antara lain melakukan pembaruan credit distribution policies, as well as updating credit Standard
kebijakan penyaluran kredit, serta pembaruan Standard Operating Operating Procedures (SOP) related to the implementation of
Procedure (SOP) kredit terkait penerapan keuangan berkelanjutan. sustainable finance.
Secara spesifik, Bank juga mulai mencanangkan program-program Specifically, the Bank has begun launching sustainable programs
berkelanjutan terkait aspek environment dan social. Dalam hal ini, related to environmental and social aspects. In this case, the Bank
Bank menjadikan kelompok-kelompok usaha yang mengedepankan targets and sets goals for providing credit to business groups
bisnis berkelanjutan sebagai target dan sasaran pemberian kredit. that prioritize sustainable practices. Internally, the Bank optimizes
Sejalan dengan itu, secara internal, Bank secara optimal menerapkan environmentally friendly office operations by adhering to the 3R
operasional kantor yang ramah lingkungan dengan memegang principle (Reduce, Reuse and Recycle). This principle is realized
prinsip 3R (Reduce, Reuse & Recycle). Prinsip ini diwujudkan melalui through effective management of raw materials/paper materials,
pengelolaan yang baik terkait penggunaan bahan baku/material energy (fuel oil and electricity), and water usage.
kertas, energi (bahan bakar minyak dan listrik), dan air.
Pengelolaan Bahan Baku/Material Kertas Raw Material Management in Paper
Allo Bank memerlukan kertas untuk keperluan administrasi Allo Bank requires paper for office administration purposes.
perkantoran. Namun demikian, sebagai bank umum berbasis However, as a digital-based commercial bank, the Bank has made
digital, Bank telah berupaya secara maksimal untuk mengurangi maximum efforts to reduce the use of paper, which is derived from
penggunaan kertas yang bahan bakunya dari pepohonan khusus special trees processed into pulp. Saving paper usage is achieved,
yang diolah menjadi bubur kertas. Penghematan penggunaan kertas among other ways, by maximizing the utilization of soft copies
dilakukan antara lain dengan memaksimalkan penggunaan soft or emails. By conserving paper usage, the Bank automatically
copy atau melalui media surel. Melalui penghematan penggunaan contributes to preserving nature and reducing tree felling.
kertas tersebut otomatis Bank membantu kelestarian alam serta
mengurangi penebangan pohon.
Bank juga telah menggunakan DigiSign, solusi tanda tangan Moreover, the Bank has adopted DigiSign, an electronic signature
elektronik yang menawarkan berbagai manfaat bagi Bank solution that offers various benefits, including increased efficiency.
termasuk peningkatan efisiensi yang memungkinkan manajemen This solution allows management to electronically sign documents
menandatangani dokumen secara elektronik dengan cara yang securely and conveniently, thereby saving time and reducing
aman dan lebih nyaman, sehingga menghemat waktu dan errors associated with manual signatures. In addition, it promotes
mengurangi kesalahan yang terkait dengan tanda tangan manual. environmental friendliness and eliminates the need for paper-
Selain itu, penghematan biaya dalam hal mempromosikan ramah based signatures, resulting in cost savings on printing, shipping,
lingkungan dan menghilangkan kebutuhan akan tanda tangan and storage.
berbasis kertas, yang menghemat biaya pencetakan, pengiriman
dan penyimpanan.
Penggunaan kertas oleh Bank menghasilkan limbah kertas yaitu While the use of paper by banks results in paper waste, namely
kertas atau dokumen yang sudah tidak terpakai, meski volumenya documents that are no longer needed, the volume is not significant.
tidak signifikan. Untuk pengelolaan limbah tersebut, Bank To manage this waste, the Bank transfers it to third parties for
menyerahkan kepada pihak ketiga untuk didaur ulang (recycle) recycling or reuse. Before being handed over to a third party,
atau digunakan kembali (reuse). Sebelum diserahkan kepada pihak waste paper in the form of important documents is shredded
ketiga, limbah kertas berupa dokumen penting dihancurkan lebih using a paper shredder. Although paper is a recyclable material,
dulu dengan mesin penghancur kertas. Walaupun kertas termasuk the Bank does not currently utilize recycled products in its daily
bahan baku/material yang bisa didaur ulang, namun Bank tidak operations. [OJK F.5]
menggunakan hasil daur ulang tersebut dalam operasional sehari-
hari. [OJK F.5]
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Per 31 Desember 2023, Bank menggunakan kertas sebanyak 268 As of December 31, 2023, the Bank used 268 reams of paper,
rim, turun dibandingkan tahun 2022 yang mencapai 395 rim. down compared to 2022 which reached 395 reams. The decline
Penurunan dipengaruhi oleh adanya penggunaan system/media was influenced by the use of electronic systems/media and
elektronik dan pengawasan permintaan. demand monitoring.
Tabel Penggunaan Kertas Tahun 2020-2022
Table of Paper Usage in 2020-2022
Uraian Satuan
2023 2022 2021
Description Unit
Penggunaan kertas Rim • A4 247 Rim • A4 373 Rim • A4 338 Rim
Paper Usage • F4 21 Rim • F4 22 Rim • F4 79 Rim
Pengelolaan Energi Energy Management
Operasional bisnis Allo Bank memerlukan dua sumber energi utama, Allo Bank's business operations rely on two primary energy sources:
yaitu listrik dan Bahan Bakar Minyak (BBM), yang dipasok oleh electricity and fuel oil, which are supplied by third parties. Electricity
pihak ketiga. Selain untuk penerangan, listrik digunakan untuk powers various electronic equipment and office facilities such as
sumber energi berbagai peralatan elektronik sarana dan sarana computers, laptops, photocopiers, and air conditioning systems.
kantor, seperti komputer, laptop, mesin fotokopi, mesin AC dan Meanwhile, fuel is utilized for operational vehicles. Recognizing
lain-lain. Adapun BBM digunakan sebagai sumber energi kendaraan that electricity and fuel are non-renewable energy sources with
operasional. Oleh karena listrik maupun BBM merupakan sumber limited availability, the Bank is committed to implementing various
energi tak terbarukan dan ketersediaannya semakin terbatas, maka efficiency measures.
Bank berkomitmen untuk melakukan berbagai langkah efisiensi/
penghematan.
Efisiensi listrik antara lain dilakukan dengan mengoptimalkan To enhance electrical efficiency, the Bank optimizes the use of
penggunaan lampu hemat energi (LED), serta mematikan energy-saving lamps (LED) and ensures lights and air conditioning
lampu dan AC setelah selesai jam kantor. Adapun penghematan are switched off after office hours. Similarly, fuel consumption
penggunaan BBM di antaranya dilakukan dengan melakukan kontrol is minimized through strict controls on the use of operational
ketat pada penggunaan BBM kendaraan operasional maupun and office service vehicles. Additionally, the Bank promotes
kendaraan dinas jabatan. Efisiensi BBM juga dilakukan dengan fuel efficiency by conducting online meetings using information
menyelenggarakan rapat secara online dengan memanfaatkan technology applications, reducing the need for transportation.
aplikasi teknologi informasi terkini untuk jenis rapat tertentu. Dengan These efforts contribute to reducing greenhouse gas emissions,
demikian, peserta rapat tidak perlu menggunakan moda transportasi aligning with Allo Bank's commitment to combat global warming
tertentu, termasuk kendaraan dinas jabatan. Upaya penghematan and climate change. [OJK F.7]
energi listrik dan BBM sekaligus merupakan bentuk dukungan
Allo Bank untuk mengurangi emisi gas rumah kaca sebagai salah
satu penyebab pemanasan global dan perubahan iklim. [OJK F.7]
Kebijakan Allo Bank melakukan efisiensi energi sejalan dengan Allo Bank's energy efficiency policy aligns with Presidential Instruction
Instruksi Presiden Republik Indonesia No. 13 Tahun 2011 tentang No. 13 of 2011 concerning Energy and Water Conservation and
Penghematan Energi dan Air, serta Peraturan Menteri Energi dan Regulation of the Minister of Energy and Mineral Resources No.
Sumber Daya Mineral Republik Indonesia No. 13 Tahun 2012 tentang 13 of 2012 concerning Electricity Conservation.
Penghematan Pemakaian Tenaga Listrik.
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Per 31 Desember 2023, Allo Bank membayar biaya tagihan listrik As of December 31, 2023, Allo Bank recorded its electricity bills
sebesar Rp179.323.552, turun dibandingkan tahun 2022, yang at IDR179,323,552 representing a decrease compared to 2022
mencapai Rp438.102.162. Penurunan disebabkan tahun 2022 with IDR438,102,162. The decrease is due to the fact that in 2022,
masih membayar listrik kantor cabang-cabang Ex. BHI. Sementara the bank was still paying for electricity at its former BHI branch
itu, berkaitan dengan Intensitas Konsumsi Energi (IKE), khususnya offices. Meanwhile, regarding Energy Consumption Intensity (IKE),
listrik, Bank belum melakukan audit energi sehingga belum bisa particularly electricity, the Bank has not conducted an energy
menyampaikan IKE pada tahun pelaporan. [OJK F.6] audit and therefore cannot provide IKE data for the reporting
year. [OJK F.6]
Selama tahun 2023, Bank mencatatkan pembelian BBM sebesar Throughout 2023, the Bank recorded fuel purchases at
Rp225,598,724, naik dibandingkan tahun sebelumnya, yang IDR225,598,724, showing an increase compared to the previous
mencapai Rp219,780,954, Kenaikan dipengaruhi oleh naiknya harga year’s total of IDR219,780,954. The increase was mainly due to
BBM jenis Pertalite per Januari 2023, terdapat penambahan satu the rise in Pertalite fuel price as of January 2023, one additional
kendaraan operasional, serta pengeluaran BBM Dewan Komisaris operational vehicle, and the Board of Commissioners’ fuel expense
menjadi tanggungan Allo Bank, which is the Company’s responsibility.
Pengelolaan Air Water Management
Allo Bank menggunakan air untuk keperluan domestik perkantoran, Allo Bank utilizes water for various domestic office purposes,
seperti pembilasan di kamar kecil, wudhu, mencuci peralatan including toilet flushing, ablution, kitchen utensil washing, as well
dapur, mobil, motor, dan sebagainya. Air yang digunakan Bank as cleaning cars and motorbikes. Most of the water used by the
sebagian besar dipasok oleh pihak ketiga, yaitu Perusahaan Daerah Bank is supplied by third parties, primarily the Regional Drinking
Air Minum (PDAM). Water Company (PDAM).
Seiring dengan semakin berkurangnya pasokan air bersih, Bank Recognizing the decreasing availability of clean water, the Bank has
melakukan berbagai efisiensi dalam penggunaan air antara lain implemented various measures to enhance water use efficiency,
mengeluarkan himbauan tentang penggunaan air secara bijaksana/ including promoting wise and non-wasteful water usage practices.
tidak boros. Penghematan ini selaras dengan Instruksi Presiden These efforts align with Presidential Instruction No. 13 of 2011
Republik Indonesia No. 13 Tahun 2011 tentang Penghematan Energi concerning Energy and Water Conservation.
dan Air.
Berkurangnya pasokan air tanah terjadi karena pengambilan The decline in groundwater supply is attributed to extensive
air tanah yang semakin masif untuk berbagai keperluan, seperti extraction for various purposes such as industrial, commercial,
industri, pabrik, perkantoran, perhotelah, dan sebagainya. and domestic use. Moreover, clean water supplied by PDAMs is
Sedangkan air bersih dari PDAM semakin terbatas atau semakin becoming scarcer and more expensive due to higher levels of
mahal harganya karena bahan baku air yang digunakan kadar pollutants in water sources, necessitating additional costs and
polutannya semakin tinggi sehingga perlu biaya dan upaya ekstra efforts for purification.
dalam proses penjernihannya.
Efisiensi semakin bermakna karena ancaman krisis air sudah di Efficiency in water usage holds increasing significance as the threat
depan mata. Bappenas dalam Kajian Lingkungan Hidup Strategis of a water crisis looms. According to Bappenas' 2019 Strategic
(KLHS) RPJM 2019 memproyeksikan ketersediaan air akan mencapai Environmental Study (KLHS), water availability is projected to
kelangkaan absolut pada 2040. Kelangkaan absolut atau ‘absolute reach absolute scarcity by 2040. Absolute scarcity refers to the
scarcity’ tak lain adalah jumlah sumber daya air tidak mencukupi inadequacy of water resources to meet human needs and desires.
untuk memenuhi kebutuhan dan keinginan manusia.
Berkaitan dengan penggunaan air, per 31 Desember 2023, Bank Regarding water usage, as of December 31, 2023, the Bank incurred
mengeluarkan biaya sebesar Rp50.228.300, naik dibandingkan costs of IDR50,228,300, representing an increase compared to
tahun 2022, yang mencapai Rp12.077.198, Kenaikan biaya antara 2022, which reached IDR12,077,198. The increase in costs was
lain dipengaruhi oleh bertambahnya penggunaan air minum (galon) attributed, among other things, by the increase in drinking water
serta penggantian vendor air minum yang nilai jualnya lebih tinggi usage (gallons) as well as the replacement of drinking water vendors
(hampir dua kali lipat). [OJK F.8] whose selling value was higher (almost double). [OJK F.8]
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Pengelolaan Sampah/Limbah Domestik Domestic Waste Management
Allo Bank mengelola sampah/limbah domestik perkantoran dengan Allo Bank manages domestic office waste by providing an adequate
menyediakan tempat sampah dengan jumlah yang cukup, serta number of trash bins and segregating waste based on its type. Waste
memisahkan sampah berdasarkan jenisnya. Untuk pembuangan disposal to final disposal sites is facilitated through collaborations
sampah ke tempat pembuangan akhir, Bank bekerja sama dengan with third-party services, incurring certain costs.
pihak ketiga dengan mengeluarkan biaya tertentu.
Untuk mengurangi sampah domestik, Bank menerapkan sejumlah In line with the 3R principle (Reduce, Reuse and Recycle), the
kebijakan dengan berpatokan pada prinsip 3R (Reduce, Reuse dan Bank implements various policies to minimize domestic waste. For
Recycle). Upaya untuk mengurangi limbah plastik air minum dalam instance, to address plastic waste generated from single use bottled
kemasan atau kemasan sekali pakai misalnya, Bank menerapkan drinking water, the Bank has implemented a policy of providing glass
kebijakan dengan menyediakan pitcher kaca sebagai tempat air pitchers as drinking water containers instead of offering bottled
minum dan tidak menyediakan air minum dalam kemasan. water. This initiative aims to reduce the consumption of single-use
plastics and promote environmentally friendly alternatives.
Biaya Lingkungan Environmental Costs
Selama tahun 2023, Bank mengeluarkan biaya lingkungan sebesar In 2023, the Bank incurred environmental costs totaling IDR195
Rp195 juta, naik dibandingkan tahun sebelumnya, yang mencapai million, marking an increase from the previous year's expenditure of
Rp24 juta. Biaya tersebut digunakan untuk membiayai program IDR24 million. These funds are allocated to finance the Company's
tanggung jawab sosial Perusahaan di bawah branding Allo Bank social responsibility program under the Allo Bank Pelita branding
Pelita dan inisiatif penanaman pohon bambu sebagai bagian dari and support the bamboo tree planting initiative as part of the AML-
program Dua Dekade APU PPT bekerja sama dengan beberapa CTF Two-Decade program. This initiative is held in collaboration
Bank lain dalam FKDKP-Yayasan KEHATI dan PPATK. [OJK F.4] with several other banks through the Banking Compliance Director
Communication Forum (FKDKP)-KEHATI Foundation and Financial
Transaction Reports and Analysis Centre (PPATK). [OJK F.4]
Kinerja Sosial
Keberlanjutan
Sustainable Social Performance
Kinerja Allo Bank sebagai bank umum berbasis digital menunjukkan Allo Bank's performance as a digital-based commercial bank
peningkatan signifikan memasuki tahun kedua di tahun 2023. showed significant improvement as it entered its second year in
Pencapaian tersebut semakin mengukuhkan bahwa kehadiran 2023. This achievement further solidifies that the bank's presence
Bank mendapatkan momentum yang tepat, sekaligus mendapatkan has gained the right momentum, receiving support and trust from
dukungan dan kepercayaan dari para pemangku kepentingan, stakeholders, both internal and external. Internal stakeholders
baik internal maupun eksternal. Pemangku internal adalah include shareholders, management, and employees across divisions
pemegang saham, manajemen dan karyawan lintas divisi dengan with diverse levels of positions. Meanwhile, external stakeholders
beragam level jabatan. Sedangkan pemangku kepentingan supporting the bank's business sustainability include customers,
eksternal yang menopang keberlanjutan usaha Bank di antaranya partners, investors, regulators, and the community surrounding
nasabah, mitra, investor, regulator dan masyarakat di sekitar lokasi the company's operational locations.
operasional perusahaan.
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Bank meyakini penguatan dukungan dari segenap pemangku The Bank acknowledges that it has strengthened support from all
kepentingan tersebut diraih karena Bank berhasil memenuhi stakeholders by fulfilling its responsibilities towards a diverse range
tanggung jawabnya terhadap para pemangku kepentingan yang of stakeholders. This fulfillment of responsibilities can be optimized
sangat beragam. Pemenuhan tanggung jawab bisa dimaksimalkan through appropriate mapping and the formulation of engagement
setelah Bank melakukan pemetaan secara tepat, termasuk strategies aligned with the expectations of each stakeholder.
merumuskan pelibatan yang sesuai dengan harapan masing-
masing pemangku kepentingan.
Komitmen pemenuhan tanggung jawab terhadap pemangku The Bank's commitment to fulfilling responsibilities towards
kepentingan menjadi fokus dan perhatian karena Bank meyakini stakeholders is a focal point, as the Bank believes it is the most
hal tersebut merupakan sarana terbaik untuk menjalin hubungan effective way to build relationships and foster positive communication
dan menciptakan komunikasi positif dengan para pemangku with stakeholders. Quality communication is seen as pivotal in
kepentingan. Lebih lanjut, komunikasi yang berkualitas tersebut strengthening the Bank's position and presence. As a business
akan memperkuat posisi dan keberadaan Bank. Sebagai entitas entity, bolstering its position is vital capital for the Bank to advance,
bisnis, penguatan posisi merupakan modal penting bagi Bank untuk grow, and achieve sustainable business operations.
terus maju dan berkembang, sekaligus kunci untuk mewujudkan
usaha yang berkelanjutan.
Landasan Kebijakan Policy Foundation
Allo Bank mengelola hubungan dengan para pemangku kepentingan Allo Bank manages relationships with stakeholders in accordance
sesuai dengan regulasi sesuai dengan kepentingan masing-masing with regulations in accordance with the interests of each stakeholder.
pemangku kepentingan. Regulasi tersebut antara lain: These regulations include:
1. Undang-Undang No. 40 tahun 2007 tentang Perseroan Terbatas. 1. Law No. 40 of 2007 regarding Limited Liability Companies.
2. Undang-Undang No. 1 tahun 1970 tentang Keselamatan Kerja. 2. Law No. 1 of 1970 regarding Occupational Safety and Health.
3. Undang-Undang No. 23 tahun 1992 tentang Kesehatan. 3. Law No. 23 of 1992 regarding Health.
4. U n d a n g - U n d a n g N o . 8 t a h u n 1 9 9 9 t e n t a n g 4. Law No. 8 of 1999 regarding Consumer Protection.
Perlindungan Konsumen.
5. Undang-Undang No. 13 tahun 2003 tentang Ketenagakerjaan. 5. Law No. 13 of 2003 regarding Employment.
6. Undang-Undang No. 6 Tahun 2023 tentang Penetapan 6. Law no. 6 of 2023 concerning the Stipulation of Government
Peraturan Pemerintah Pengganti Undang-Undang No. 2 Tahun Regulations in Lieu of Law no. 2 of 2022 concerning the Job
2022 tentang Cipta Kerja menjadi Undang-Undang Creation becomes law
7. Peraturan Pemerintah No. 47 tahun 2012 tentang Tanggung 7. Government Regulation no. 47 of 2012 concerning the Social
Jawab Sosial dan Lingkungan Perseroan Terbatas. and Environmental Responsibility of Limited Liability Companies.
8. Peraturan Otoritas Jasa Keuangan No. 6/POJK.07/2022 8. Financial Services Authority Regulation no. 6/POJK.07/2022
tentang Perlindungan Konsumen dan Masyarakat di Sektor concerning the Consumer and Public Protection in the Financial
Jasa Keuangan Services Sector
9. Surat Edaran Otoritas Jasa Keuangan (SEOJK) No. 17/ 9. Financial Services Authority Circular (SEOJK) No. 17/
SEOJK.07/2018 tentang Pedoman Pelaksanaan Layanan SEOJK.07/2018 concerning the Guidelines for Implementing
Pengaduan Konsumen di Sektor Jasa Keuangan Consumer Complaint Services in the Financial Services Sector
10. Peraturan Bank Indonesia No. 3 Tahun 2023 tentang 10. Bank Indonesia Regulation no. 3 of 2023 concerning the Bank
Perlindungan Konsumen Bank Indonesia Indonesia Consumer Protection
11. Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017 11. Financial Services Authority Regulation no. 51/POJK.03/2017
tentang Penerapan Keuangan Berkelanjutan bagi Lembaga concerning the Implementation of Sustainable Finance for
Jasa Keuangan, Emiten dan Perusahaan Publik Financial Services Institutions, Issuers and Public Companies
Berdasarkan berbagai regulasi di atas, selanjutnya Bank menyusun Based on the regulations outlined above, the Bank has developed
berbagai regulasi internal sebagai panduan operasional keseharian various internal regulations as operational guidelines for day-to-
yang berkaitan dengan pengelolaan kepegawaian, Kesehatan dan day activities. These regulations cover areas such as personnel
Keselamatan Kerja (K3), tanggung jawab produk dan sebagainya. management, Occupational Health and Safety (OHS), product
responsibility, and more.
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Layanan Setara untuk Nasabah [OJK F.17] Equality in Customer Service [OJK F.17]
Allo Bank senantiasa memahami kebutuhan seluruh nasabah dan Allo Bank prioritizes understanding the diverse needs of its
selalu memberikan pelayanan yang terbaik. Di tengah era digital customers and consistently delivers top-notch service. In the rapidly
dan teknologi saat ini, Bank terus menyesuaikan kebutuhan nasabah evolving digital and technological landscape, the Bank continuously
dengan memberikan berbagai kemudahan serta tetap menjaga adapts to meet customer expectations by offering convenience while
keamanan nasabah. Hal ini penting guna menjaga kepercayaan ensuring robust security measures. This emphasis on customer
dan loyalitas nasabah. satisfaction is crucial in fostering trust and loyalty among customers.
Kepercayaan dan loyalitas nasabah dipengaruhi oleh berbagai Customer trust and loyalty are influenced by several factors,
faktor. Salah satunya adalah kesetaraan dalam memberikan including equality in service provision. Allo Bank is dedicated to
layanan kepada nasabah. Dalam hal ini, Bank berkomitmen untuk treating all customers inclusively and equally, irrespective of their
memperlakukan seluruh nasabah secara inklusif, setara tanpa religious, tribal, ethnic, gender, political, or other backgrounds
memandang latar belakang agama, suku, etnis, gender, politik that may lead to discrimination. The Bank also ensures equality for
dan lainnya yang bersifat diskriminatif. Kesetaraan juga diberikan customers with special needs, including individuals with disabilities.
kepada nasabah berkebutuhan khusus, termasuk mereka yang This commitment to fairness and inclusivity strengthens customer
mengalami disabilitas. relationships and fosters trust and loyalty towards the Bank.
Bagi Bank, komitmen terhadap kesetaraan dalam pelayanan For Allo Bank, the commitment to equality in service represents a
merupakan salah satu wujud nyata penerapan Tata Kelola tangible embodiment of Good Corporate Governance principles
Perusahaan yang Baik, sekaligus ketaatan terhadap ketentuan and adherence to applicable regulations. This commitment is
yang berlaku. Ketentuan itu antara lain POJK No. 6/POJK.07/2022 particularly reflected in compliance with POJK No. 6/POJK.07/2022
tentang Perlindungan Konsumen dan Masyarakat di Sektor Jasa regarding Consumer and Community Protection in the Financial
Keuangan dimana pada pasal 35 ayat 1 terdapat klausul “PUJK Services Sector. Article 35, paragraph 1 of this regulation stipulates
wajib memberikan akses yang setara kepada setiap konsumen that "Financial Services Providers (PUJK) are obligated to offer
sesuai klasifikasi konsumen”. equal access to all consumers based on consumer classification."
Sementara itu, Peraturan Bank Indonesia No. 3 Tahun 2023 tentang Bank Indonesia Regulation no. 3 of 2023 regarding Bank Indonesia
Perlindungan Konsumen Bank Indonesia, Pasal 7 tentang Prinsip Consumer Protection underscores the Principles of Consumer
Perlindungan Konsumen, menegaskan bahwa salah satu prinsip Protection in Article 7, highlighting equality and fair treatment as
perlindungan konsumen adalah adanya kesetaraan dan perlakuan essential principles. Moreover, Article 11 of the regulation mandates
yang adil. Kesetaraan perlakuan juga diatur dalam Pasal 11, yaitu that Operators/Banks must ensure equal access for every consumer
Penyelenggara/Bank wajib memberikan kesetaraan akses kepada and treat consumers correctly in accordance with statutory
setiap konsumen dan memperlakukan konsumen secara benar regulations. This emphasizes the importance of ensuring fairness
sesuai dengan ketentuan peraturan perundang-undangan. and equality in service provision, aligning with both regulatory
requirements and ethical standards in consumer protection.
Kesetaraan Kesempatan Kerja [OJK F.18] Equal Employment Opportunity [OJK F.18]
Selaras dengan pelayanan yang setara kepada nasabah, Allo Allo Bank upholds the principles of equality not only in its services
Bank juga memberlakukan prinsip yang sama kepada karyawan, to customers but also in its treatment of employees, starting right
bahkan sudah dimulai sejak rekrutmen. Untuk itu, Bank senantiasa from the recruitment process. The Bank ensures equal and broad
memberikan hak dan kesempatan kerja yang sama dan seluas- employment rights and opportunities for all employees, without
luasnya kepada seluruh karyawan tanpa memandang perbedaan discrimination based on differences in religion, ethnicity, race,
agama, etnis, ras, status sosial, warna kulit, gender, ataupun kondisi social status, skin color, gender, or any other physical conditions.
fisik lainnya, sesuai dengan ketentuan dan peraturan perundang- These practices are in strict compliance with the provisions and
undangan ketenagakerjaan yang berlaku. regulations outlined in labor laws.
Lebih dari itu, Allo Bank juga berupaya untuk memberikan hak dan Furthermore, Allo Bank is committed to offering equal rights and
kesempatan yang sama bagi seluruh karyawan dalam program opportunities for all employees in career development programs.
pengembangan karier, di mana sistem pengembangan SDM yang The Bank's internal HR development system ensures equal
berlaku pada internal Bank memberikan kesempatan yang sama opportunities for every employee to advance to higher positions
kepada setiap karyawan untuk dipromosikan ke jabatan yang within the organization's structure. These principles of equality and
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lebih tinggi mengikuti jenjang struktur organisasi Bank. Prinsip non-discrimination in employment opportunities are formalized
kesetaraan dan non-diskriminasi dalam kesempatan kerja di Allo through internal regulations such as the Code of Conduct and
Bank diatur melalui regulasi internal yaitu Code of Conduct dan Company Regulations.
Peraturan Perusahaan.
Tenaga Kerja Anak dan Kerja Paksa [OJK F.19] Child Labor and Forced Labor [OJK F.19]
Allo Bank mendukung penghapusan praktik tenaga kerja anak Allo Bank strongly condemns and opposes child labor practices and
dan kerja paksa karena keduanya melanggar hak asasi manusia, forced labor as they are violations of human rights and unacceptable
sekaligus praktik yang tidak patut. Dukungan diwujudkan Bank practices. The Bank actively supports the elimination of these
dengan menetapkan usia minimal dan jam kerja karyawan secara practices by establishing clear policies regarding the minimum
jelas sesuai regulasi yang berlaku. Berkaitan dengan usia minimal age and working hours for employees in accordance with relevant
dan jam kerja karyawan, Bank memastikan bahwa seluruh karyawan, regulations. As part of its commitment, Allo Bank ensures that all
baik tetap maupun kontrak, telah berusia di atas 18 tahun. Hal employees, including permanent and contract workers, are above
tersebut sesuai dengan kebijakan rekrutmen Bank, yaitu untuk 18 years of age. This aligns with the Bank's recruitment policy, which
pendidikan kandidat minimal SMU (sederajat), sedangkan usia mandates a minimum education level of high school (or equivalent)
minimal 18 tahun. and a minimum age requirement of 18 years for candidates.
Sementara itu, jam kerja yang berlaku di Allo Bank adalah 8 At Allo Bank, the standard working hours are in compliance with
(delapan) jam dalam 1 (satu) hari dan 40 (empat puluh) jam dalam legal requirements outlined in article 77 of Law no. 13 of 2003
1 (satu) minggu untuk 5 (lima) hari kerja dalam 1 (satu) minggu, concerning Employment. Specifically, employees work 8 hours per
sesuai dengan pasal 77 Undang-Undang No. 13 tahun 2003 day and 40 hours per week across 5 working days. This structured
tentang Ketenagakerjaan. Dengan ketentuan seperti itu, maka schedule ensures that every employee has adequate rest time.
setiap karyawan memiliki waktu istirahat yang cukup. Komitmen The Bank’s commitment to and compliance with the regulation
dan kepatuhan Bank terhadap regulasi tentang usia dan jam kerja abovementioned has resulted in the absence of child and forced
karyawan membawa hasil dengan tidak adanya praktik pekerja labor in our work environment.
anak dan kerja paksa.
Selain merujuk pada undang-undang ketenagakerjaan, semangat Apart from referring to labor law, the Bank's enthusiasm to participate
Bank untuk turut serta menghapus pekerja anak dan kerja paksa in eliminating child labor and forced labor is in accordance with
sesuai dengan Undang-Undang No. 20 Tahun 1999 tentang Law no. 20 of 1999 concerning Ratification of ILO Convention
Pengesahan ILO Convention No. 138 Concerning Minimum Age No. 138 Concerning Minimum Age for Admission to Employment
for Admission to Employment (Konvensi ILO Mengenai Usia Minimum (ILO Convention Concerning Minimum Age for Admission to
untuk Diperbolehkan Bekerja), dan Undang-Undang Republik Employment), and Law of the Republic of Indonesia No. 1 of 2000
Indonesia No. 1 Tahun 2000 tentang Pengesahan ILO Convention concerning Ratification of ILO Convention No. 182 Concerning
No. 182 Concerning The Prohibition And Immediate Action for The The Prohibition And Immediate Action for The Elimination of The
Elimination of The Worst Forms of Child Labour (Konvensi ILO No. 182 Worst Forms of Child Labor (ILO Convention No. 182 Concerning
Mengenai Pelarangan dan Tindakan Segera Penghapusan Bentuk- Prohibition and Immediate Action for the Elimination of the Worst
Bentuk Pekerjaan Terburuk untuk Anak). Sedangkan pemberlakuan Forms of Child Labor). Meanwhile, the implementation of working
jam kerja dengan batasan waktu yang jelas sehingga tidak terjadi hours with clear time limits is intended to eliminate forced labor,
kerja paksa sejalan dengan Undang-Undang No. 19 Tahun 1999 while it is in line with Law no. 19 of 1999 concerning Ratification
tentang Pengesahan ILO Convention No. 105 Concerning The of ILO Convention No. 105 Concerning The Abolition of Forced
Abolition of Forced Labour (Konvensi ILO Mengenai Penghapusan Labor (ILO Convention Concerning the Abolition of Forced Labor).
Kerja Paksa).
Upah Minimum Regional [OJK F.20] Regional Minimum Wage [OJK F.20]
Allo Bank menerapkan pemberian remunerasi yang memenuhi Allo Bank adheres to a remuneration system that prioritizes
kriteria keadilan internal (internal equity), kompetitif di pasar internal equity, market competitiveness, and alignment with the
(external competitiveness), serta disesuaikan dengan kemampuan Bank's resources. The Bank ensures fairness by implementing a
Bank. Dalam memberikan remunerasi, Bank menerapkan sistem non-discriminatory wage system where every employee receives
pengupahan tanpa diskriminasi sehingga setiap karyawan berhak equitable treatment. Particularly for permanent employees at the
memperoleh perlakuan yang sama dalam penerapan sistem lowest level, Allo Bank establishes a minimum wage that considers
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pengupahan. Berdasarkan prinsip tersebut, terkhusus bagi karyawan basic necessities, inflation, living standards, and other relevant
tetap di level terendah, Bank memberikan upah minimum dengan variables, as set by local authorities. Allo Bank is committed to
tetap memperhatikan pemenuhan kebutuhan hidup layak. Besaran meeting or exceeding Regional Minimum Wage (UMR) regulations,
upah minimum diberikan dengan menyesuaikan harga kebutuhan including for entry-level permanent employees. This commitment is
pokok, tingkat inflasi, standar kelayakan hidup, dan variabel lainnya, exemplified by paying wages higher than the UMR, such as those
sebagaimana ditentukan oleh pemerintah daerah setempat. Dengan provided to employees in DKI Jakarta. The Bank's determination
demikian, Allo Bank memastikan telah memenuhi ketentuan Upah of minimum wages for entry-level permanent employees in 2023
Minimum Regional (UMR), termasuk bagi karyawan tetap level aligns with Minister of Manpower Regulation (Permenaker) No. 18
terendah, bahkan dengan memberikan upah yang lebih tinggi of 2022 regarding Minimum Wage Determination for 2023.
dibanding UMR, seperti upah karyawan di DKI Jakarta. Terkhusus
pemberian upah karyawan tetap level terendah pada tahun
2023, Bank merujuk pada Peraturan Menteri Ketenagakerjaan
(Permenaker) No. 18 Tahun 2022 tentang Penetapan Upah Minimum
Tahun 2023.
Dalam menetapkan upah untuk para pegawai, Bank tidak The Bank's approach to wage determination is not gender-based,
mendasarkan diri pada jenis kelamin. Sebab itu, dasar perhitungan ensuring that both male and female employees are treated equally.
upah/remunerasi antara karyawan laki-laki dan perempuan adalah Therefore, the calculation basis for wages and remuneration is
sama. Jika terdapat perbedaan upah yang diterima karyawan, hal itu identical regardless of gender. Any differences in wages among
lebih dipengaruhi oleh kualitas kinerja dan tingkatan jabatan yang employees primarily stem from performance quality and job level.
bersangkutan. Komitmen Bank memberikan kesetaraan remunerasi This commitment to equal remuneration aligns with the principles
antara karyawan laki-laki dan perempuan merupakan implementasi outlined in Law no. 13 of 2003 regarding Employment and ILO
Undang-Undang No. 13 tahun 2003 tentang Ketenagakerjaan, Convention No. 100/1951 concerning Equal Remuneration for Men
serta Konvensi ILO No.: 100/1951 tentang Pengupahan yang Sama and Women Workers for Work of Equal Value.
bagi Pekerja Laki-laki dan Wanita untuk Pekerjaan yang Sama
Nilainya (Equal Remuneration for Men and Women Workers for
Work of Equal Value).
Lingkungan Kerja yang Layak dan Aman [OJK F.21] Decent and Safe Working Environment [OJK F.21]
Lingkungan kerja yang layak dan aman sesuai kaidah Keselamatan Allo Bank places a strong emphasis on providing a safe and
dan Kesehatan Kerja (K3) merupakan salah satu fokus Allo Bank conducive working environment that complies with Occupational
dengan tujuan akhir tidak adanya kecelakaan kerja (zero accident) Safety and Health (OHS) regulations. The primary objective is
dan tidak ada penyakit akibat kerja. Hal itu menjadi perhatian to achieve zero accidents and prevent occupational diseases.
karena Bank meyakini lingkungan kerja serupa itu berkorelasi positif This focus stems from the belief that a safe work environment
terhadap ketenangan, kenyamanan, dan konsentrasi kerja karyawan, contributes positively to employees' peace of mind, comfort, and
yang bermuara dengan meningkatnya kinerja karyawan. focus, ultimately enhancing their performance.
Upaya yang dilakukan Bank untuk menghindari risiko kecelakaan To mitigate the risk of work-related accidents, Allo Bank implements
kerja antara lain dengan menyusun layout kantor dengan baik several measures such as arranging office layouts effectively
dan menggunakan peralatan-peralatan yang ergonomis untuk and utilizing ergonomic equipment to foster a healthy, safe, and
menciptakan lingkungan kerja yang sehat, aman, dan nyaman. comfortable work environment. Furthermore, the Bank ensures
Seiring dengan itu, Allo Bank juga menyediakan sarana dan the availability of Occupational Health and Safety (OHS) facilities
prasarana K3, termasuk apabila terjadi kondisi darurat. Sarana and infrastructure, including emergency response provisions.
dan prasarana tersebut antara lain alat deteksi asap, alat pemadam These encompass smoke detection systems, fire extinguishers,
api ringan, hydrant, kotak Pertolongan Pertama pada Kecelakaan hydrants, First Aid kits, designated worship areas, parking facilities,
(P3K), tempat ibadah, ruang parkir, keamanan 24 jam, dan lain-lain. round-the-clock security, and more. Additionally, the Bank regularly
Selain menyediakan berbagai sarana dan prasarana terbaik, Bank conducts OHS training and awareness campaigns, viewing safety as
juga secara kontinu melakukan sosialisasi K3 sebagai tanggung a collective responsibility. These proactive measures and ongoing
jawab bersama. Komitmen dan upaya tersebut membawa hasil efforts have led to a track record of zero work accidents and
dengan tidak adanya kecelakaan kerja dan penyakit akibat kerja occupational diseases at Allo Bank throughout 2023.
di Allo Bank selama tahun 2023.
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Pelatihan dan Pengembangan Kemampuan Employee Training and Development [OJK F.22]
Karyawan [OJK F.22]
Allo Bank sebagai bank umum berbasis digital memerlukan karyawan As a digital-oriented commercial institution, Allo Bank places a
dengan kualifikasi dan kompetensi yang spesifik di bidang bisnis premium on employees possessing specialized qualifications and
digital dan teknologi informasi. Untuk itu, peningkatan kapasitas competencies in digital business and information technology realms.
dan kompetensi karyawan menjadi fokus dan perhatian Bank. To achieve this, the Bank is dedicated to enhancing employee
Langkah nyata yang dilakukan Bank adalah menyelenggarakan capabilities and proficiencies. This is accomplished through a
berbagai program pengembangan dan pelatihan yang sejalan range of tailored development and training initiatives that align
dengan kebutuhan bisnis. Aspek kompetensi yang menjadi target with business imperatives. Development efforts are customized to
pengembangan disesuaikan dengan kekuatan pegawai (strength- leverage individual strengths (a strength-based approach) while
based development) dan arahan bisnis Bank. aligning with the Bank's strategic direction.
Selain program pengembangan kepemimpinan, Bank juga In addition to leadership training initiatives, Allo Bank will orchestrate
akan membuat, menyelenggarakan dan ikut dalam program and participate in technical development schemes, particularly
pengembangan teknis, khususnya di bidang teknologi informasi in areas like information technology, digital analytics, and digital
dan digital, data analytics dan digital marketing. Bank mendukung marketing. The Bank is committed to fostering the personal
pengembangan personal dan profesional pegawai untuk and professional growth of its workforce, encouraging them to
mempelajari hal baru sesuai minat dan kompetensi yang dimiliki. explore new skills and domains aligned with their interests and
Pelaksanaan program yang dilakukan akan menggunakan metode capabilities. Training programs will be delivered using a mix of
yang efektif, seperti pembelajaran virtual, electronic maupun effective methodologies, encompassing virtual, electronic, and
tatap muka. in-person learning modalities.
Sesuai dengan kebutuhan pengembangan bisnis, selama tahun In accordance with business development needs, during 2023,
2023, Bank telah menyelenggarakan pelatihan dan pengembangan the Bank organized training and competency development for
kompetensi kepada 366 karyawan atau 96,32% dari total 366 employees or 96.32% of total employees with a total of
karyawan dengan jumlah jam pelatihan sebanyak 1.293 jam. 1,293 training hours. Those training provide each employee an
Dengan penyelenggaraan tersebut, rata-rata setiap karyawan average of 3.5 hours of training. To organize employee competency
mendapatkan pelatihan sebanyak 3,5 jam. Untuk menyelenggarakan development in 2023, the Bank spent Rp3,886,029,433, an
pengembangan kompetensi karyawan pada tahun 2023, Bank increase compared to 2022 which reached Rp2,337,509,231. A
mengeluarkan biaya sebesar Rp3.886.029.433, naik dibandingkan recapitulation of competency development activities and average
tahun 2022 yang mencapai Rp2.337.509.231. Rekapitulasi kegiatan employee training hours is presented in the following table:
pengembangan kompetensi dan rerata jam pelatihan karyawan
selengkapnya disajikan dalam tabel berikut:
Jumlah Pekerja yang Rata-rata Jam Pelatihan Setiap
Memperoleh Pelatihan Jam Pelatihan Pekerja
Uraian Number of Employees Received Training Hours Average Training Hours for Each
Description Training Employee
2023 2022 2023 2022 2023 2022
Keseluruhan
366 930 1.293 5.649 3,5 6,1
Total
Berdasarkan Kategori Jabatan Karyawan
Based on employee position category
Manajemen
39 329 305 1.726 7,8 5,2
Management
Staf
327 601 994 3.923 3,0 6,5
Management
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Dampak Operasi terhadap Masyarakat Sekitar Impact of Operations on the Surrounding Community
[OJK F.23] [OJK F.23]
Pendekatan operasional bisnis Allo Bank sebagai bank umum Allo Bank has embraced a digital-centric strategy in its business
berbasis digital dipilih sebagai jawaban atas perkembangan dunia operations, responding to the swift evolution of the digital landscape.
digital yang begitu cepat. Untuk meraih kinerja terbaik, Bank telah To attain optimal performance, the Bank has established a vision
menetapkan visi dan misi yang telah mendapatkan persetujuan and mission that received approval from both the Board of
bersama dari Dewan Komisaris dan Direksi. Dengan berpatokan Commissioners and Directors. This commitment ensures that all
pada visi dan misi tersebut, seluruh operasional Bank tidak ada of the Bank's activities are conducted with no adverse effects on
yang berdampak negatif bagi masyarakat di sekitarnya. the local community.
Sebaliknya, masyarakat mendapat dampak positif atas On the flip side, the community contributes positively to the Bank's
keberadaan Bank. Selain menyediakan lapangan kerja, Bank sustainability. Beyond offering employment avenues, the Bank
juga menyelenggarakan berbagai program dan kegiatan yang actively engages the community through various programs and
melibatkan masyarakat, antara lain, melalui program Tanggung initiatives, notably through its Corporate Social Responsibility (CSR)
Jawab Sosial dan Lingkungan (TJSL), yang diimplementasikan Bank program. These CSR activities serve as a channel for the Bank to
melalui kegiatan Tanggung Jawab Sosial Perusahaan (Corporate interact with and support the community. Furthermore, as a digital-
Social Responsibility/CSR). Di sisi lain, operasional Bank sebagai centric commercial bank, the Bank's operations have minimal direct
bank umum berbasis digital tidak berdampak langsung terhadap impact on the environment, thus avoiding environmental concerns
lingkungan sehingga tidak ada pengaduan masalah lingkungan or complaints directed at the Bank.
yang ditujukan kepada Bank.
Pengaduan Masyarakat [OJK F.24] Public Complaints [OJK F.24]
Allo Bank terus berupaya untuk menjalankan operasional usaha Allo Bank prioritizes adherence to all relevant regulations in its
dengan senantiasa mematuhi semua regulasi yang berlaku. Namun business operations. Nevertheless, the Bank acknowledges the
demikian, Bank membuka diri terhadap kemungkinan adanya possibility of receiving complaints from various stakeholders,
pengaduan dari masyarakat dan pemangku kepentingan yang including customers, and is dedicated to promptly addressing
lain, termasuk nasabah, dan berkomitmen untuk menyelesaikan such concerns. Individuals or entities wishing to lodge complaints
pengaduan tersebut secepatnya. Pihak-pihak yang hendak regarding operations may do so by visiting the Bank's operational
menyampaikan pengaduan atas operasional bisa datang langsung offices directly or using the following communication channels:
ke kantor operasional Bank atau memanfaatkan saluran berikut:
Telepon : (+62 21) 7990671, 79184705, 79182387 Telephone : (+62 21) 7990671, 79184705, 79182387
Faksimile : (+62 21) 3841022, 3851023 Facsimile : (+62 21) 3841022, 3851023
Email : corsec@allobank.com Email : corsec@allobank.com
Website : www.allobank.com Website : www.allobank.com
Per 31 Desember 2023, Allo Bank menerima pengaduan sebanyak As of December 31, 2023, Allo Bank received 13,375 cases, an
13.375 kasus, naik dibandingkan tahun 2022 yang mencapai 7.032 increase compared to 2022 which reached 7,032 cases. The
kasus. Dari jumlah pengaduan yang masuk pada tahun 2023, complaints received in 2023 encompass various categories,
terdiri atas beberapa kategori yaitu Kartu ATM/Debit/Mesin ATM, including ATM/Debit Cards/ATM Machines, Electronic Banking,
Electronic Banking dan Sistem Pembayaran Lainnya (Transfer Dana). and Other Payment Systems (Fund Transfers). It’s noteworthy that
Pengaduan telah ditindaklanjuti seluruhnya atau sebesar 100%. all complaints received in 2023 have been fully addressed or
followed up, achieving a completion rate of 100%.
Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL) Corporate Social and Environmental Responsibility
[OJK F.25] Activities [OJK F.25]
Hubungan yang harmonis antara Bank dengan masyarakat Building a harmonious relationship between the Bank and the
merupakan salah satu kunci bagi Bank dalam mewujudkan community is crucial for ensuring the sustainability of the Bank's
keberlanjutan usaha. Untuk itu, Bank terus berupaya untuk operations. Therefore, the Bank remains committed to fostering
menciptakan komunikasi dan hubungan yang saling menguntungkan communication and mutually beneficial partnerships with all
dengan seluruh pemangku kepentingan, termasuk masyarakat di stakeholders, including the local community. To support these
sekitarnya. Untuk mendukung upaya tersebut, Bank melakukan efforts, the Bank implements various programs, including its TJSL/
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berbagai program diantaranya melalui TJSL/CSR. Bagi Allo Bank, CSR initiatives. For Allo Bank, CSR represents a commitment to
CSR merupakan bentuk komitmen kepada lingkungan dengan environmental stewardship and active participation in sustainable
tujuan untuk berperan serta dalam pembangunan berkelanjutan development, aligning with the Triple Bottom Line principle
selaras dengan prinsip Triple Bottom Line yaitu People, Planet, Profit of People, Planet, Profit (3P) and delivering added value to
(3P) serta memberikan nilai tambah kepada semua pemangku stakeholders. CSR also plays a vital role in upholding good corporate
kepentingan. CSR juga merupakan salah satu bagian penting governance practices and contributes to achieving the objectives
dalam pelaksanaan tata kelola perusahaan yang baik dan berperan of sustainable development, which involves balancing economic,
dalam mewujudkan tujuan pembangunan berkelanjutan, yaitu environmental, and social aspects. The Bank's CSR activities further
pembangunan yang menyelaraskan antara antara aspek ekonomi, demonstrate its support for the 17 Sustainable Development Goals
lingkungan dan sosial. Pelaksanaan CSR sekaligus merupakan (SDGs) promoted by the Indonesian government.
dukungan Bank terhadap 17 Tujuan Pembangunan Berkelanjutan
(TPB) atau Sustainable Development Goals (SDGs) yang saat ini
sedang digencarkan pemerintah Indonesia.
Program CSR yang dilakukan oleh Bank, di bawah branding Allo The Bank's CSR program, under the Allo Bank Pelita branding
Bank Pelita yang diluncurkan pada tahun 2023, bertujuan untuk: launched in 2023, aims to:
• Membangun citra dan reputasi Bank yang dapat meningkatkan • Build the Bank's image and reputation that can increase trust
kepercayaan kepada Allo Bank in Allo Bank
• Membangun hubungan yang harmonis dengan segenap • Build harmonious relationships with all stakeholders.
pemangku kepentingan.
• Menumbuhkan positive value karyawan terhadap Allo Bank. • Foster positive employee value towards Allo Bank.
• Konsisten dengan pembangunan berkelanjutan dan • Be consistent with sustainable development and
kesejahteraan masyarakat. community welfare.
• Mematuhi peraturan dan ketentuan yang berlaku. • Comply with applicable rules and regulations.
Poin-poin diatas mewakili kepercayaan Allo Bank bahwa inisiatif CSR Allo Bank views CSR initiatives as more than just acts of charity;
bukanlah tindakan amal sekali saja, tapi merupakan program yang they are strategic and sustainable programs aimed at enhancing
strategis dan berkelanjutan yang dirancang untuk meningkatkan societal welfare.
kesejahteraan masyarakat.
Program Allo Bank Pelita yang diselenggarakan selama tahun Allo Bank's Pelita programs during the reporting year encompass
pelaporan dan dukungannya terhadap TPB antara lain berupa initiatives that support the Sustainable Development Goals (SDGs),
program pengelolaan sampah plastik bagi institusi pendidikan. including a plastic waste management program tailored for
Melalui program ini, Allo Bank menawarkan kerja sama dengan educational institutions. Under this program, Allo Bank collaborates
institusi pendidikan berupa kegiatan pengelolaan sampah plastik with educational institutions to conduct plastic waste management
di lingkungan sekolah menggunakan mesin pencacah sampah activities within school premises. The Bank provides waste shredding
yang akan disediakan secara gratis oleh Allo Bank. machines at no cost to these institutions, fostering cooperation in
addressing plastic waste challenges.
Program ini dirancang dengan mendayagunakan para siswa dapat This program involves students collecting plastic waste, focusing
mengumpulkan sampah plastik terutama botol plastik bekas Air on plastic bottles commonly used for bottled drinking water
Minum Dalam Kemasan (AMDK) yang berbasis PET, PP, LD, HDPE. (AMDK) made from materials such as PET, PP, LD, and HDPE. The
Sampah plastik yang terkumpul selanjutnya diolah dengan mesin gathered plastic waste undergoes processing using a plastic waste
pencacah sampah plastik untuk kemudian dijual kepada pihak shredding machine and is subsequently sold to partner third parties
ketiga yang telah bekerja sama dengan Allo Bank. Dengan program in collaboration with Allo Bank. Through this initiative, educational
ini, institusi pendidikan dapat turut berpartisipasi langsung dalam institutions actively contribute to reducing global plastic waste while
mengurangi limbah sampah plastik yang menjadi masalah global also receiving sustainable economic incentives.
dan mendapatkan insentif ekonomis secara berkelanjutan.
Secara spesifik, program CSR ini memiliki sejumlah manfaat bagi The CSR programs specifically provide numerous benefits for the
institusi pendidikan di antaranya: educational institutions, namely:
• Mendapatkan branding sebagai institusi Pendidikan yang peduli • Gain branding as an educational institution that cares and
dan mengambil aksi terkait perbaikan lingkungan hidup dan takes action related to environmental improvement and good
good will dari para stakeholders di lingkungan sekolah. will from stakeholders in the school environment.
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• Menumbuhkan awareness serta karakter sosial kepada para • Cultivate awareness and social character to stakeholders in
stakeholders di institusi pendidikan (siswa, guru, pengurus dan educational institutions (students, teachers, administrators and
petugas sekolah) untuk lebih peduli dan bertanggung jawab school officials) to be more concerned and responsible for the
akan pentingnya menjaga lingkungan. importance of protecting the environment.
• Menumbuhkan budaya gotong royong dan kolaborasi di • Foster mutual cooperation and collaborative culture in the
lingkungan sekolah school environment.
• Mendapatkan insentif ekonomi dimana hasil olahan sampah • Gain economic incentives by selling the processed waste to
dijual kepada pihak lain. other parties.
• Menciptakan lingkungan sekolah yang ramah lingkungan dan • Create an environmentally friendly and healthier school
lebih sehat dengan adanya pengelolaan limbah sampah plastik environment with the management of plastic waste and reduce
serta berkurangnya timbunan sampah plastik yang sulit diurai the accumulation of plastic waste that is difficult to decompose
di lingkungan sekolah. in the school environment.
Pada tahun 2023, program ini telah dilaksanakan di beberapa In 2023, this program has been implemented in several educational
institusi pendidikan antara lain Sekolah Islam Terpadu Fajar Hidayah institutions including Fajar Hidayah Integrated Islamic School and
dan Akademi Teknik Mesin Industri (ATMI) Cikarang dan telah Cikarang Academy of Industrial Mechanical Engineering (ATMI)
berhasil menghasilkan 100 kg cacahan sampah plastik per bulan and has succeeded in producing 100 kg of plastic waste shreds
untuk didaur ulang. per month for recycling.
Pelaksanaan program ini mendukung terwujudkan TPB/SDGs ke- The implementation of this program supports the realization of SDGs
13 Penanganan Perubahan Iklim, ke-15 Ekosistem Daratan, ke-17 13 Climate Action, 15 Life on Land, 17 Partnerships for the Goals.
Kemitraan untuk Mencapai Tujuan.
Inovasi dan Pengembangan Produk/Jasa Keuangan Innovation and Development of Sustainable Financial
Berkelanjutan [OJK F.26] Products and Services [OJK F.26]
Allo Bank menyadari bahwa kebutuhan nasabah senantiasa Allo Bank acknowledges the evolving nature of customer
berubah mengikuti zaman. Untuk itu, agar Bank tetap kompetitif needs, prompting the Bank to prioritize ongoing innovation and
dan bisa memenangi persaingan, maka langkah untuk melakukan development of products, services, and marketing strategies. This
inovasi serta pengembangan produk dan layanan/jasa secara holistic approach ensures competitiveness and positions the Bank to
berkesinambungan merupakan langkah terbaik. Inovasi dan excel not only in the product and services, but also in the marketing
pengembangan yang dilakukan Bank tidak semata-mata terkait and other related fields.
produk dan layanan, tetapi juga menyangkut bidang pemasaran
dan sebagainya.
Pada tahun 2023, inovasi dan pengembangan produk yang In 2023, Allo Bank's product innovation and development efforts
dilakukan Bank antara lain meluncurkan produk dan layanan were highlighted by the launch of Allo Grow, a cutting-edge digital
perbankan digital terbaru yakni Allo Grow, tabungan revolusioner banking product designed to enhance the savings experience
yang memberikan pengalaman fleksibilitas finansial bagi generasi for the younger generation to manage their saving account. Allo
muda dalam mengatur dan mengelola tabungan mereka. Allo Grow offers a flexible savings account with compound interest,
Grow memungkinkan pengguna untuk memiliki pos-pos tabungan enabling users to allocate savings for various purposes, including
dengan bunga majemuk yang dapat digunakan untuk memisahkan emergency funds.
tabungan sesuai kebutuhan, termasuk untuk tabungan dana darurat.
Produk Allo Grow memberikan kesempatan untuk memperoleh Allo Grow products offer attractive interest rates of up to 6.5%
suku bunga yang tinggi hingga mencapai 6,5% p.a dengan p.a through a tiered interest rate structure based on the storage
menerapkan mekanisme suku bunga berjenjang sesuai dengan period. Customers can withdraw their Allo Grow balance anytime
jangka waktu penyimpanan. Saldo yang disimpan dalam Allo Grow without facing penalty fees. Opening an Allo Grow account is
dapat dicairkan dan diambil kapan saja sesuai keinginan, tanpa convenient via the Allo Bank app with a minimum initial balance
dikenakan biaya penalti. Allo Grow dapat dengan mudah dibuka of 500 thousand Rupiah, and customers are exempt from monthly
oleh nasabah melalui aplikasi Allo Bank dengan saldo awal minimal administration fees. This flexibility empowers customers with greater
sebesar 500 ribu Rupiah. Selain itu, nasabah Allo Grow juga tidak financial control.
dikenakan biaya administrasi bulanan. Hal ini membuat Allo Grow
memberikan kebebasan kontrol finansial bagi Nasabah.
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Di luar peluncuran produk baru, Bank memperkuat positioning The Bank further solidified its position as a digital-based
sebagai Bank umum berbasis digital dengan mendapatkan Sertifikasi commercial bank by acquiring ISO/IEC 27001:2022 Certification
ISO/IEC 27001:2022 mengenai Sistem Manajemen Keamanan for its Information Security Management System. This certification
Informasi yang mencerminkan komitmen Bank untuk menjaga underscores the Bank's dedication to upholding the security and
keamanan dan perlindungan aset informasi sesuai dengan prinsip safeguarding of information assets in line with principles such as
kerahasiaan, integritas, dan ketersediaan. Organisasi yang telah confidentiality, integrity, and availability. An organization with ISO/
memperoleh sertifikasi ISO/IEC 27001:2022 memvalidasi bahwa IEC 27001:2022 certification demonstrates effective management
keamanan aset informasi dan aset lainnya yang terkait dengan and continuous enhancement of information security practices,
manajemen informasi, termasuk informasi yang dipercayakan including the protection of third-party entrusted information assets,
oleh pihak ketiga, dikelola dengan baik dan terus ditingkatkan based on industry best practices and frameworks.
berdasarkan pendekatan dan kerangka praktik terbaik.
Produk/Jasa yang sudah Dievaluasi Keamanannya Products and Services that have been Evaluated for
Bagi Nasabah [OJK F.27] Safety for Customers [OJK F.27]
Allo Bank berkomitmen untuk mematuhi semua regulasi yang Allo Bank is dedicated to adhering to all pertinent regulations within
berlaku di industri perbankan dalam menjalankan usaha, termasuk the banking sector as it conducts its operations, including those
regulasi dalam menawarkan produk dan jasa kepada nasabah. governing the offering of products and services to customers.
Dalam prosesnya, semua produk dan jasa yang ditawarkan Bank Throughout this process, all products and services provided by the
telah memenuhi semua persyaratan dan mendapatkan persetujuan Bank have undergone thorough scrutiny to ensure they meet all
dari Otoritas Jasa Keuangan sehingga telah teruji keamanannya requirements and have obtained approval from the Financial Services
bagi nasabah. Disamping itu Bank telah menerapkan POJK No. 6/ Authority, guaranteeing their safety for customers. Furthermore,
POJK.07/2022 tentang Perlindungan Konsumen dan Masyarakat di the Bank has integrated POJK No. 6/POJK.07/2022 on Consumer
Sektor Jasa Keuangan dan dituangkan ke dalam peraturan internal and Community Protection in the Financial Services Sector into
Pedoman Akuntansi dan Prosedur (PAP) No. 180101.01.3 tentang its internal guidelines, specifically the Accounting Guidelines and
Perlindungan Konsumen dan Masyarakat di Sektor Jasa Keuangan. Procedures (PAP) No. 180101.01.3 pertaining to Consumer and
Lebih dari itu, Bank juga berkomitmen untuk menjalankan regulasi Community Protection in the Financial Services Sector. Additionally,
terbaru, yaitu Peraturan Bank Indonesia No. 3 Tahun 2023 tentang the Bank is steadfast in adhering to the most recent regulation, Bank
Perlindungan Konsumen Bank Indonesia. Indonesia Regulation No. 3 of 2023 concerning Bank Indonesia
Consumer Protection.
Selaras dengan itu, untuk menekan risiko kerugian seminimal To mitigate potential risks associated with its products and services,
mungkin atas produk dan jasa tersebut, Bank secara kontinu Allo Bank consistently educates customers about all potential risks,
menyampaikan informasi atas semua risiko yang mungkin terjadi including market risk and currency fluctuation risk. Leveraging its
kepada nasabah, seperti risiko pasar dan risiko fluktuasi mata status as a digital-based commercial bank, the Bank disseminates
uang. Mengingat posisi Bank sebagai sebuah bank umum berbasis this information primarily through a range of digital channels and
digital, penyampaian informasi dilakukan terutama melalui berbagai programs, including its website and various social media platforms
saluran dan program digital termasuk website dan sosial media such as Instagram, Facebook, LinkedIn, YouTube, TikTok, and Twitter.
seperti Instagram, Facebook, LinkedIn, Youtube, TikTok, dan Twitter.
Sesuai regulasi yang ada, Bank juga telah melakukan kegiatan The Bank has also been proactive in conducting financial literacy
literasi keuangan dan inklusi keuangan sehingga calon nasabah and financial inclusion activities as mandated by existing regulations.
atau nasabah mendapatkan pemahaman yang benar tentang These efforts are aimed at ensuring that prospective customers
produk/jasa yang ditawarkan Bank. Dengan demikian, mereka and current customers have a comprehensive understanding
akan memilih produk/jasa yang ditawarkan Bank sesuai kebutuhan of the products and services offered by the Bank. By providing
dan telah mengetahui profil risiko yang melekat di dalam produk/ accurate information about the Bank's offerings, customers can
jasa tersebut. make informed decisions that align with their needs and risk profiles.
Kerahasiaan Nasabah Customer Confidentiality
Kerahasiaan data nasabah merupakan salah satu hak mendasar yang Allo Bank upholds the fundamental right of customer data
senantiasa dijaga oleh Allo Bank. Dalam hal ini, penggunaan data confidentiality as a top priority. The use of customer data is strictly
atau informasi terkait nasabah hanya dapat dilakukan berdasarkan governed by laws and regulations. Protecting customer information
ketentuan sebagaimana ditetapkan oleh peraturan dan perundang- is not only a legal requirement but also crucial for maintaining trust
undangan. Menjaga informasi nasabah juga merupakan bentuk and the Bank's reputation. This commitment aligns with the Financial
kepercayaan yang akan mempengaruhi reputasi Bank yang diatur Services Authority Circular Letter No. 14/SEOJK.07/2014 regarding
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dalam Surat Edaran Otoritas Jasa Keuangan No. 14/SEOJK.07/2014 the Confidentiality and Security of Consumer Personal Data and/or
tentang Kerahasiaan dan Keamanan Data dan/atau Informasi Pribadi Information. In terms of transparency regarding customer personal
Konsumen. Dalam hal transparansi penggunaan data pribadi data usage, Allo Bank does not disclose such data to third parties
nasabah, Bank tidak akan menyebarluaskan data pribadi nasabah without obtaining explicit written consent from the data owner.
kepada pihak lain sebelum mendapatkan persetujuan tertulis This consent must be obtained through a formal written request
dari pemilik data. Persetujuan tersebut harus diwujudkan dalam sheet with the data owner's signature.
bentuk tulisan dan/atau tanda tangan pada lembar permintaan
persetujuan tertulis.
Konsistensi dan komitmen Bank dalam menjaga data pelanggan Due to the Bank's steadfastness and dedication to safeguarding
membawa hasil dengan tidak adanya insiden pengaduan dari customer data, there were no complaints or incidents reported
nasabah maupun dari regulator terkait pelanggaran kerahasiaan by customers or regulators regarding breaches of customer
nasabah, baik berupa kebocoran, pencurian, atau kehilangan data confidentiality such as data leaks, thefts, or losses. Consequently,
nasabah. Dengan demikian, Bank tidak mendapat denda atau the Bank did not incur any fines or sanctions pertaining to breaches
sanksi berkaitan dengan pelanggaran terhadap privasi pelanggan of customer privacy during the reporting period.
pada tahun pelaporan.
Dampak Produk/Jasa [OJK F.28] Impact of Products and Services [OJK F.28]
Bank telah melakukan penilaian terhadap setiap produk/jasa yang The Bank has conducted a thorough assessment of each product
ditawarkan kepada nasabah. Lebih dari itu, Allo Bank juga telah and service offered to customers, including a comprehensive
membuat klasifikasi produk secara lengkap, termasuk dengan product classification that incorporates risk profiles. Moreover, in
profil risiko di dalamnya. Selanjutnya, sesuai dengan prinsip alignment with sustainable finance principles and guided by the
keuangan berkelanjutan dan mengacu pada Kriteria Kegiatan Usaha Sustainable Business Activity Criteria (KKUB) outlined in the POJK
Berkelanjutan (KKUB) dalam POJK Keuangan Berkelanjutan, maka Sustainable Finance, the Bank is committed to distributing loans
Bank akan menyalurkan kredit dengan memegang prinsip kehati- while upholding the precautionary principle to prevent potential
hatian, termasuk mencegah risiko dan dampak negatif yang mungkin risks and negative impacts. In terms of loans, particularly to
timbul. Dalam hal penyaluran kredit untuk mendukung prinsip support Environmental, Social, and Governance (ESG) principles
Environmental, Social and Governance (ESG) yang memberikan that contribute positively to society and the environment, the
dampak positif bagi masyarakat dan lingkungan, Bank berfokus Bank prioritizes the MSME sector and environmentally friendly
pada sektor UMKM dan industri yang ramah lingkungan. Dengan industries. Adhering to these principles ensures that by 2023, the
berpatokan pada prinsip-prinsip di atas, selama tahun 2023, produk Bank's products and services do not have any adverse effects on
dan jasa yang ditawarkan Bank tidak ada yang berdampak negatif environmental and social aspects.
terhadap aspek lingkungan dan sosial.
Kontribusi terhadap Literasi dan Inklusi Keuangan Contribution to Financial Literacy and Inclusion
Pemerintah terus berupaya untuk meningkatkan inklusi keuangan The government’s efforts to enhance financial inclusion are reflected
melalui berbagai program dan kegiatan yang diselenggarakan in various initiatives conducted by financial institutions, including the
oleh lembaga jasa keuangan, termasuk industri perbankan. Sesuai banking sector. Aligned with Financial Services Authority Regulation
dengan Peraturan Otoritas Jasa Keuangan No. 76 /POJK.07/2016 No. 76/POJK.07/2016, which focuses on enhancing financial literacy
tentang Peningkatan Literasi dan Inklusi Keuangan di Sektor and inclusion, financial literacy encompasses knowledge, skills, and
Jasa Keuangan Bagi Konsumen dan/atau Masyarakat, literasi beliefs that influence attitudes and behaviors, leading to improved
keuangan adalah pengetahuan, keterampilan, dan keyakinan, decision-making and financial management for prosperity. On
yang mempengaruhi sikap dan perilaku untuk meningkatkan the other hand, financial inclusion pertains to providing access
kualitas pengambilan keputusan dan pengelolaan keuangan to diverse financial institutions, products, and services tailored to
dalam rangka mencapai kesejahteraan. Adapun inklusi keuangan community needs and capabilities, ultimately aiming to enhance
adalah ketersediaan akses pada berbagai lembaga, produk dan people’s welfare.
layanan jasa keuangan sesuai dengan kebutuhan dan kemampuan
masyarakat dalam rangka meningkatkan kesejahteraan masyarakat.
Untuk mengukur indeks literasi dan inklusi keuangan masyarakat, The Financial Services Authority (OJK) conducted the National
Otoritas Jasa Keuangan (OJK) kembali menyelenggarakan Survei Survey of Financial Literacy and Inclusion (SNLIK) in July-September
Nasional Literasi dan Inklusi Keuangan (SNLIK) tahun 2022 pada 2022 to gauge the index of public financial literacy and inclusion.
Juli-September 2022. Survei dilakukan dengan responden di This survey encompassed respondents across 34 provinces,
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34 provinsi yang mencakup 76 kota/kabupaten dengan jumlah including 76 cities/districts, with a total of 14,634 participants aged
responden sebanyak 14.634 orang yang berusia antara 15-79 between 15-79 years. Similar to the methodologies employed in
tahun. Sebagaimana tahun 2016 dan 2019, SNLIK 2022 juga 2016 and 2019, SNLIK 2022 utilized the same method, parameters,
menggunakan metode, parameter dan indikator yang sama, yaitu and indicators. The financial literacy index comprises knowledge,
indeks literasi keuangan yang terdiri dari parameter pengetahuan, skills, beliefs, attitudes, and behavior parameters, while the financial
keterampilan, keyakinan, sikap dan perilaku, sementara indeks inclusion index focuses on usage parameters.
inklusi keuangan menggunakan parameter penggunaan (usage).
Merujuk hasil SNLIK 2022, indeks literasi keuangan masyarakat According to the SNLIK 2022 findings, the public financial literacy
tercatat sebesar 49,68%, naik dibanding tahun 2019 yang mencapai index rose to 49.68%, a notable increase from the 38.03%
38,03%. Sementara itu, indeks inklusi keuangan mencapai 85,10%, recorded in 2019. Concurrently, the financial inclusion index
naik dibanding hasil survei tahun 2019 yang mencapai 76,19%. Hasil saw an improvement, reaching 85.10% compared to 76.19% in
survei menunjukkan bahwa gap antara tingkat literasi dan tingkat 2019. These results indicate a narrowing gap between literacy
inklusi semakin menurun, dari 38,16% pada tahun 2019 menjadi and inclusion levels, reducing from 38.16% in 2019 to 35.42% in
35,42% pada tahun 2022. Indeks inklusi keuangan merujuk survei 2022. Moreover, the financial inclusion index from SNLIK 2022 is
SNLIK 2022 tersebut semakin mendekati target sebesar 90% yang nearing the government’s target of 90% as outlined in Presidential
ditetapkan pemerintah sebagaimana disampaikan dalam Peraturan Regulation No. 114 of 2020 regarding the National Financial
Presiden No. 114 Tahun 2020 tentang Strategi Nasional Keuangan Inclusion Strategy (SNKI).
Inklusif (SNKI).
Peningkatan indeks literasi dan inklusi keuangan tak lepas dari The rise in the financial literacy and inclusion index owes much to the
kontribusi para pelaku industri perbankan, termasuk Allo Bank. Pada efforts of banking industry participants like Allo Bank. Throughout
tahun pelaporan, Bank menyelenggarakan berbagai kegiatan seperti the reporting period, the Bank organized numerous activities such
Allo Invest Goes to Campus di mana pada kegiatan tersebut Allo as Allo Invest Goes to Campus where in this activity Allo Bank visited
Bank melakukan kunjungan ke sejumlah universitas di Indonesia. a number of universities in Indonesia. This activity was carried out
Kegiatan tersebut dilakukan dengan tujuan meningkatkan edukasi with the aim of increasing students’ education and understanding
dan pemahaman kepada mahasiswa atas pentingnya mengelola of the importance of managing finances and investing from an
keuangan dan melakukan investasi sejak muda. early stage.
`
Kegiatan Allo Invest Goes to USU, Allo Invest Goes to SB ITB, Allo Throughout 2023, Allo Bank actively organized a series of activities
Invest Goes to ISI Denpasar, Allo Invest Goes to UBSI, Allo Invest such as Allo Invest Goes to USU, Allo Invest Goes to SB ITB, Allo
Goes to Udayana, Allo Invest Goes to Universitas Parahyangan, Invest Goes to ISI Denpasar, Allo Invest Goes to UBSI, Allo Invest
Allo Invest Goes to UKI, Allo Invest Goes to UIN Jakarta, Allo Invest Goes to Udayana, Allo Invest Goes to Parahyangan University, Allo
Goes to Undip, Allo Invest Goes to UNPAD, Allo Invest Goes to Invest Goes to UKI, Allo Invest Goes to UIN Jakarta, Allo Invest Goes
Telkom University, dan kunjungan ke berbagai universitas lainnya to Undip, Allo Invest Goes to UNPAD, Allo Invest Goes to Telkom
merupakan rangkaian kegiatan yang aktif dilakukan guna melakukan University, and visits to several other universities. These initiatives
pemenuhan kewajiban terhadap regulator terhadap literasi dan were undertaken to fulfill regulatory obligations concerning financial
inklusi keuangan Allo Bank selama tahun 2023. literacy and inclusion mandated for Allo Bank.
Selain Allo Invest Goes to Campus, terdapat dua kegiatan lain Apart from Allo Invest Goes to Campus, there are two other
yakni Company Visit di mana universitas, komunitas, dan pihak activities, namely Company Visits where universities, communities
lain melakukan kunjungan ke kantor PT Allo Bank Indonesia. and other parties visit PT Allo Bank Indonesia office. Apart from
Selain berkesempatan untuk melihat area dan suasana kerja having the opportunity to see the company’s work area and
perusahaan, kegiatan ini dilengkapi sharing session dengan materi atmosphere, this activity is equipped with a sharing session with
mencakup edukasi keuangan, seperti tahapan dalam pengelolaan material covering financial education, such as stages in financial
keuangan, tujuan pengelolaan keuangan, perencanaan program management, financial management goals, program planning
untuk tujuan keuangan di masa depan, serta sosialisasi dengan for future financial goals, as well as socialization with the theme
tema The Importance of Financial Planning for Youth. Kegiatan The Importance of Financial Planning for Youth. The next activity
berikutnya adalah edukasi keuangan tanpa tatap muka atau online is online financial education which is published on Allo Bank’s
yang dipublikasikan di kanal sosial media Allo Bank dengan tujuan social media channels with the aim of increasing education and
untuk meningkatkan edukasi dan pemahaman terhadap pentingnya understanding of the importance of managing finances, financial
mengelola keuangan, tips keuangan, cara menghindari hal-hal yang tips, how to avoid things that can be detrimental regarding digital
dapat merugikan seputar perbankan digital seperti penggunaan banking such as the use of paylater products, loans, and others.
produk paylater, pinjaman, dan lainnya.
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Jumlah Produk/Jasa yang Ditarik Kembali [OJK F.29] Number of Products and Services Recalled [OJK F.29]
Selama tahun 2023, tidak ada produk/jasa Bank yang ditarik kembali During 2023, no products/services of the Bank were withdrawn
dari pasar dengan alasan apapun. from the market for any reason.
Survei Kepuasan Nasabah terhadap Produk dan/atau Customer Satisfaction Survey on Sustainable
Jasa Keuangan Berkelanjutan [OJK F.30] Financial Products and Services [OJK F.30]
Kepuasan nasabah merupakan landasan utama bagi Allo Bank Allo Bank places customer satisfaction as a cornerstone in
dalam menghadirkan produk dan layanan keuangan terbaik. delivering top-notch financial products and services. In line with
Untuk mewujudkan komitmen tersebut, Allo Bank secara konsisten this commitment, the Bank regularly conducts customer satisfaction
melakukan survei kepuasan nasabah, termasuk survei kepuasan surveys, including assessments of customer satisfaction with its
nasabah terhadap produk dan layanan bank. products and services.
Hasil survei tahun 2023 menunjukkan bahwa Allo Bank berhasil The survey results from 2023 reveal that Allo Bank has attained
meraih skor kepuasan nasabah (customer satisfaction score) yang an impressive customer satisfaction score of 80.23%. This metric
tinggi, yaitu 80,23%. Pengukuran tingkat kepuasan nasabah encompasses various facets, including the availability of products
terdiri dari berbagai aspek, seperti ketersediaan produk dan fitur, and features, user-friendly application interface, transaction security,
kemudahan penggunaan aplikasi, keamanan transaksi dan respons and the responsiveness of customer service.
layanan pelanggan yang tanggap.
Verifikasi Tertulis dari
Pihak Independen
Written Verification From an
Independent Party
[POJK G.1]
Laporan Keberlanjutan ini belum diverifikasi oleh Penyedia Jasa This Sustainability Report has not been verified by an independent
Assurance (Assurance Services Provider) yang independen. Namun Assurance Services Provider. However, PT Allo Bank Indonesia
demikian, PT Allo Bank Indonesia Tbk menjamin bahwa seluruh Tbk assures that all information disclosed in this report is true,
informasi yang diungkapkan dalam laporan ini adalah benar, akurat, accurate and factual.
dan faktual.
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Lembar Umpan Balik
Feedback Sheet
[POJK G.2]
Terima kasih kepada Bapak/Ibu/Saudara yang telah Thank you for reading the 2023 Sustainability Report of
membaca Laporan Keberlanjutan PT Allo Bank PT Allo Bank Indonesia Tbk. To improve the quality of
Indonesia Tbk Tahun 2023. Untuk meningkatkan the contents of the Sustainability Report in the coming
kualitas isi Laporan Keberlanjutan pada tahun-tahun years, it is our hope that you will fill out this Feedback
mendatang, kami berharap Bapak/Ibu/Saudara Sheet by circling any one answer and fill in the blanks
bersedia untuk mengisi Lembar Umpan Balik ini dengan provided, then send it to us.
melingkari salah satu jawaban dan mengisi titik-titik
yang tersedia, kemudian mengirimkannya kepada kami.
1. Laporan Keberlanjutan ini sudah memberikan 1. This Sustainability Report has provided clear
informasi yang jelas mengenai kinerja ekonomi, information regarding the economic, social and
sosial dan lingkungan yang dilakukan oleh Bank: environmental performance carried out by the Bank:
a. Setuju | Agree b. Tidak Setuju | Don’t agree c. Tidak tahu | Don’t know
2. Laporan Keberlanjutan ini sudah memberikan 2. This Sustainability Report has provided clear
informasi yang jelas mengenai pemenuhan information regarding the fulfillment of the Bank’s
tanggung jawab sosial dan lingkungan Bank: social and environmental responsibilities:
a. Setuju | Agree b. Tidak Setuju | Don’t agree c. Tidak tahu | Don’t know
3. Materi dan data dalam Laporan Keberlanjutan ini 3. The material and data in this Sustainability Report
mudah dimengerti dan dipahami. are easy to understand.
a. Setuju | Agree b. Tidak Setuju | Don’t agree c. Tidak tahu | Don’t know
4. Materi dan data dalam Laporan Keberlanjutan ini 4. The material and data in this Sustainability Report
sudah cukup lengkap. are quite comprehensive.
a. Setuju | Agree b. Tidak Setuju | Don’t agree c. Tidak tahu | Don’t know
5. Apakah desain, tata letak, grafis dan foto-foto dalam 5. Are the designs, layout, graphics and photos in this
Laporan Keberlanjutan ini sudah bagus? Sustainability Report good?
a. Setuju | Agree b. Tidak Setuju | Don’t agree c. Tidak tahu | Don’t know
2023 Annual Report & Sustainability Report
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500 Performa 2023
2023 Performance
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Management Report
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Company Profile
6. Informasi apa yang paling bermanfaat dari Laporan
Keberlanjutan ini?
7. Informasi apa yang dinilai kurang bermanfaat dari
Laporan Keberlanjutan ini?
8. Informasi apa yang dinilai masih kurang dari
Laporan Keberlanjutan ini dan perlu ditambahkan
pada Laporan Keberlanjutan mendatang?
Identitas Pengirim | Sender Identity
Nama | Name :
Email :
Identifikasi menurut kategori pemangku kepentingan (beri tanda √ yang sesuai):
Identification by stakeholder category (mark √ as appropriate):
Nasabah dan klien | Customer and client
Investor | Investor
Regulator | Regulator
Masyarakat | Society
Lainnya | Other
Mohon Lembar Umpan Balik ini dikirimkan ke: Please send this Feedback Sheet to:
Sekretaris Perusahaan Corporate Secretary
PT Allo Bank Indonesia Tbk PT Allo Bank Indonesia Tbk
Menara Bank Mega Mega Bank Tower, 5th and 6th Floors
Lantai 5-6, Jalan Kapten P. Tendean No.12-14A, Jalan Kapten P. Tendean No.12-14A,
Jakarta Selatan 12790, Indonesia. South Jakarta 12790, Indonesia.
Telepon: (+62 21) 7990671, 79184705, 79182387 Telephon: (+62 21) 7990671, 79184705, 79182387
Email: corsec@allobank.com Email: corsec@allobank.com
Website: www.allobank.com Website: www.allobank.com
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Tanggapan Terhadap
Umpan Balik Laporan
Tahun Sebelumnya
Response to the Previous Year’s
Report Feedback
[OJK G.3]
Selama tahun 2023, PT Allo Bank Indonesia Tbk tidak Throughout 2023, PT Allo Bank Indonesia Tbk did not
mendapat tanggapan dari para pemangku kepentingan receive any feedback from stakeholders regarding the
berkaitan dengan Laporan Keberlanjutan 2022. 2022 Sustainability Report. Nevertheless, the Bank
Namun demikian, Bank senantiasa berupaya untuk remains committed to improving the contents of the
menyempurnakan isi laporan agar memenuhi panduan report to ensure compliance with the writing guidelines
penulisan yaitu POJK No.51/POJK.03/2017. outlined in POJK No. 51/POJK.03/2017.
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Daftar Pengungkapan
Sesuai POJK 51/
POJK.03/2017
List of Disclosures in Accordance
with POJK 51/POJK.03/2017
[OJK G.4]
No. Indeks Nama Indeks Halaman
[AE1] Index Description Page
Strategi Keberlanjutan
Sustainability Strategy
Penjelasan Strategi Keberlanjutan
A.1 451
Sustainability Strategy Statement
Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Performance Highlight
Aspek Ekonomi
B.1 442
Economic Aspect
Aspek Lingkungan Hidup
B.2 443
Environmental Aspect
Aspek Sosial
B.3 443
Social Aspect
Profil Perusahaan
Company Profile
Visi, Misi, dan Nilai Keberlanjutan
C.1 457
Vision, Mission, and Sustainability Values
Alamat Perusahaan
C.2 456
Company Address
Skala Usaha
C.3 459, 460
Scale of Organization
Produk, Layanan, dan Kegiatan Usaha yang Dijalankan
C.4 456
Products, Services, and Business Activities Undertaken
Keanggotaan pada Asosiasi
C.5 461
Membership in the Association
Perubahan Emiten dan Perusahaan Publik yang Bersifat
C.6 Signifikan 460
Significant Change in Issuers and Public Companies
Penjelasan Direksi
Report of the Board of Directors
Penjelasan Direksi
D.1 444
Report of the Board of Directors
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Sustainability Report 503
No. Indeks Nama Indeks Halaman
[AE1] Index Description Page
Tata Kelola Keberlanjutan
Sustainability Governance
Penanggungjawab Penerapan Keuangan berkelanjutan
E.1 463
Person in Charge of Sustainable Finance Implementation
Pengembangan Kompetensi Terkait Keuangan
E.2 berkelanjutan 464
Competency Development Related to Sustainable
Penilaian Risiko Atas Penerapan Keuangan
E.3 berkelanjutan 470
Risk Assessment on the Sustainable Finance Implementation
Hubungan dengan Pemangku Kepentingan
E.4 472
Relations with Stakeholders
Permasalahan terhadap Penerapan Keuangan
E.5 berkelanjutan 473
Issues Against the Sustainable Finance Implementation
Kinerja Keberlanjutan
Sustainability Performance
Kegiatan Membangun Budaya Keberlanjutan
F.1 478
Activities to Build a Culture of Sustainability
Kinerja Ekonomi
Economic Performance
Perbandingan Target dan Kinerja Produksi, Portofolio,
Target Pembiayaan, atau Investasi, Pendapatan dan Laba
F.2 Rugi 478
Comparison of Production Targets and Performance, Portfolios, Financing Targets,
or Investments, Income and Profit and Loss
Perbandingan Target dan Kinerja Portofolio, Target
Pembiayaan, atau Investasi Pada Instrumen Keuangan
atau Proyek yang Sejalan dengan Penerapan Keuangan Berkelanjutan
F.3 480
Comparison of Portfolio Targets and Performance, Financing Targets, or
Investments in Financial Instruments or Projects that are in Line with Sustainable
Finance Implementation
Kinerja Lingkungan Hidup
Environmental Performance
Aspek Umum
General Affairs Aspect
Biaya Lingkungan Hidup
F.4 486
Environmental Costs
Aspek Material
Material Aspect
Penggunaan Material Yang Ramah Lingkungan
F.5 483
Use of Environmentally Friendly Materials
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No. Indeks Nama Indeks Halaman
[AE1] Index Description Page
Aspek Energi
Energy Aspect
Jumlah dan Intensitas Energi yang Digunakan
F.6 485
Amount and Intensity of Used Energy
Upaya dan Pencapaian Efisiensi Energi dan Penggunaan
F.7 Energi Terbarukan 484
Attempts and Achievement of Energy Efficiency and Use of Renewable Energy
Aspek Air
Water Aspect
Penggunaan Air
F.8 485
Water Usage
Aspek Keanekaragaman Hayati
Biodiversity Aspect
Dampak dari Wilayah Operasional yang Dekat atau
Berada di Daerah Konservasi atau Memiliki
F.9 Keanekaragaman Hayati N/R
Impact of Operational Areas Nearby or Located in Conservation Areas or Those
Having Biodiversity
Usaha Konservasi Keanekaragaman Hayati
F.10 N/R
Attempts of Biodiversity Conservation
Aspek Emisi
Emission Aspect
Jumlah dan Intensitas Emisi yang Dihasilkan
F.11 Berdasarkan Jenisnya N/R
Amount and Intensity of Produced Emissions by Type
Upaya dan Pencapaian Pengurangan Emisi yang
Dilakukan
F.12 N/R
Amount and Intensity of Resulting Emissions by Type of Emission Reduction Efforts
and Achievements Conducted
Aspek Limbah Dan Efluen
Waste and Effluent Aspect
Jumlah Limbah dan Efluen yang Dihasilkan Berdasarkan
F.13 Jenis N/R
The Amount of Waste and Effluent Generated by Type
Mekanisme Pengelolaan Limbah dan Efluen
F.14 N/R
Waste and Effluent Management Mechanisms
Tumpahan yang Terjadi (Jika Ada)
F.15 N/R
Leakage, if any
Aspek Pengaduan Terkait Lingkungan Hidup
Complaint Aspect Related to the Environment
Jumlah dan Materi Pengaduan Lingkungan Hidup yang
F.16 Diterima dan Diselesaikan N/R
Number and Material of Environmental Complaints Received and Resolved
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 507
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 505
No. Indeks Nama Indeks Halaman
[AE1] Index Description Page
Kinerja Sosial
Social Performance
Komitmen LJK, Emiten, atau Perusahaan Publik untuk
Memberikan Layanan Atas Produk dan/atau Jasa yang
F.17 Setara Kepada Konsumen 488
Commitment of Financial Services Institutions, Issuers, or Public Companies to
Provide Equal Services for Products and/or Services to Customers
Aspek Ketenagakerjaan
Employment Aspect
Kesetaraan Kesempatan Bekerja
F.18 488
Equal Opportunity to Work
Tenaga Kerja Anak dan Tenaga Kerja Paksa
F.19 489
Child Labor and Forced Labor
Upah Minimum Regional
F.20 489
Regional Minimum Wage
Lingkungan Bekerja yang Layak Dan Aman
F.21 490
Decent and Safe Work Environment
Pelatihan dan Pengembangan Kemampuan Pegawai
F.22 491
Training and Capacity Building for Employees
Aspek Masyarakat
Community Aspect
Dampak Operasi Terhadap Masyarakat Sekitar
F.23 492
Impact of Operations on the Surrounding Communities
Pengaduan Masyarakat
F.24 492
Public Complaints
Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL)
F.25 492
Environmental Social Responsibility (TJSL) Activities
Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan
Responsibility for Sustainable Product/Service Development
Inovasi dan Pengembangan Produk/Jasa Keuangan
F.26 berkelanjutan 494
Sustainable Financial Product/Service Innovation and Development
Produk/Jasa Yang Sudah Dievaluasi Keamanannya Bagi
F.27 Pelanggan 495
Products/Services Safety that Have Been Evaluated for Customers
Dampak Produk/Jasa
F.28 496
Impacts of Product/Service
Jumlah Produk yang Ditarik Kembali
F.29 498
Number of Recalled Products
Survei Kepuasan Pelanggan terhadap Produk dan/atau
F.30 Jasa Keuangan Berkelanjutan 498
Customer Satisfaction Survey of Sustainable Financial Products and/or Services
2023 Annual Report & Sustainability Report
Page 508
506 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
No. Indeks Nama Indeks Halaman
[AE1] Index Description Page
Lain-lain
Others
Verifikasi Tertulis dari Pihak Independen (jika Ada)
G.1 498
Written Verification by the Independent, if any
Lembar Umpan Balik
G.2 499
Feedback Sheet
Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan TahunSebelumnya
G.3 501
Responses to the Preceding Year’s Report Feedback
Daftar Pengungkapan Sesuai POJK 51/2017 tentang Penerapan
Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan,
Emiten dan Perusahaan Publik
G.4 502
List of Disclosures in Accordance with POJK 51/2017 regarding Sustainable
Finance Implementation for Financial Services Institutions, Issuers and Public
Companies
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 509
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 507
2023 Annual Report & Sustainability Report
Page 510
508 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
Laporan Tahunan & Laporan Keberlanjutan 2023
Page 511
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 509
07
Laporan
Keuangan
Financial
Statements
2023 Annual Report & Sustainability Report
Page 512
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK Laporan Keuangan Financial Statements Untuk Tahun-Tahun yang Berakhir For the Years Ended Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022 Draft Paraf:
Page 513
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
Daftar Isi Halaman/ Table of Contents
Page
Surat Pernyataan Direksi Directors’ Statement Letter
Laporan Auditor Independen Independent Auditors’ Report
Laporan Keuangan Financial Statements
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
Laporan Posisi Keuangan 1 Statements of Financial Position
Laporan Laba Rugi dan Statements of Profit or Loss and
3
Penghasilan Komprehensif Lain Other Comprehensive Income
Laporan Perubahan Ekuitas 5 Statements of Changes in Equity
Laporan Arus Kas 6 Statements of Cash Flows
Catatan Atas Laporan Keuangan 8 Notes to the Financial Statements
Final Draft Paraf:
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Page 521
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
LAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Catatan/
Notes 2023 2022
ASET ASSETS
Kas 4 3,848,905,800 3,173,579,300 Cash
Giro pada Bank Indonesia 5 233,442,087,888 305,945,558,821 Current accounts with Bank Indonesia
Giro pada bank lain 6 Current accounts with other banks
Pihak berelasi 36 177,910,333,490 152,186,649,430 Related parties
Pihak ketiga 38,203,199,413 37,643,518,426 Third parties
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (216,113,532) (189,553,950) impairment loss
215,897,419,371 189,640,613,906
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 7,36 1,399,970,850,337 374,938,237,140 and other banks
Efek-efek 8 3,182,839,180,000 1,896,710,000,000 Marketable securities
Efek-efek yang dibeli dengan Securities purchased under
janji dijual kembali 9 -- 764,098,785,000 resell agreement
Kredit yang diberikan 10 Loans
Pihak berelasi 36 250,267,669,566 164,187,907,963 Related parties
Pihak ketiga 7,135,440,197,717 7,041,370,320,411 Third parties
Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (62,198,127,979) (52,480,819,903) impairment loss
7,323,509,739,304 7,153,077,408,471
Pendapatan bunga yang
masih akan diterima 11 Interest receivables
Pihak berelasi 36 1,077,812,384 305,189,807 Related parties
Pihak ketiga 79,443,840,413 50,492,358,212 Third parties
80,521,652,797 50,797,548,019
Biaya dibayar di muka 12 25,424,942,329 40,445,601,561 Prepaid expenses
Aset tetap dan aset hak guna 13 267,601,199,185 181,832,188,188 Fixed assets and right-of-use assets
Dikurangi: Akumulasi penyusutan (65,076,886,215) (27,023,295,459) Less: Accumulated depreciation
202,524,312,970 154,808,892,729
Aset takberwujud 14 90,318,114,557 77,956,436,833 Intangible assets
Dikurangi: Akumulasi amortisasi (30,338,354,327) (16,013,459,877) Less: Accumulated amortization
59,979,760,230 61,942,976,956
Aset lain-lain 15 22,475,722,354 63,377,200,982 Other assets
JUMLAH ASET 12,750,434,573,380 11,058,956,402,885 TOTAL ASSETS
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Final Draft Paraf:
1
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
LAPORAN POSISI KEUANGAN (Lanjutan) STATEMENTS OF FINANCIAL POSITION (Continued)
31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Catatan/
Notes 2023 2022
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Liabilitas segera 16 185,136,203,393 138,770,930,759 Obligations due immediately
Simpanan nasabah 18 Deposits from customers
Pihak berelasi 36 1,218,208,682,682 2,012,650,356,660 Related parties
Pihak ketiga 3,680,457,408,637 2,402,997,556,071 Third parties
4,898,666,091,319 4,415,647,912,731
Simpanan dari bank lain 19 Deposits from other banks
Pihak berelasi 36 37,389 39,873 Related parties
Pihak ketiga 45,000,000,000 -- Third parties
45,000,037,389 39,873
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali 17 611,288,163,333 -- repurchased agreement
Utang pajak 20a 20,088,739,962 10,624,955,181 Taxes payables
Bunga yang masih harus
dibayar 21 15,049,164,570 12,421,187,940 Accrued interests
Liabilitas imbalan pasca-kerja 22 14,650,368,668 10,536,656,442 Post-employment benefits liabilities
Liabilitas pajak tanguhan - neto 20c 25,603,259,454 932,187,110 Deferred tax liabilities - net
Liabilitas lain-lain 23 49,876,667,494 58,753,596,087 Other liabilities
JUMLAH LIABILITAS 5,865,358,695,582 4,647,687,466,123 TOTAL LIABILITIES
EKUITAS EQUITY
Modal saham Share capital
Modal dasar - 40.000.000.000 Authorized - 40,000,000,000
saham dengan nilai nominal shares with par value
Rp100 per saham Rp100 per share
Modal ditempatkan dan disetor Issued and fully paid-up capital
penuh 21.730.256.442 saham pada 21,730,256,442 shares as of
tanggal 31 Desember 2023 dan 2022 24 2,173,025,644,200 2,173,025,644,200 December 31, 2023 and 2022
Tambahan modal disetor 35 3,868,733,223,522 3,868,733,223,522 Additional paid-in capital
Pengukuran kembali atas program Remeasurement of defined
imbalan pasti - neto 22 (3,765,722,233) (2,537,410,054) benefits plan - net
Keuntungan yang belum direalisasi Unrealized gain on change
dari efek pada nilai wajar in fair value of securities
melalui penghasilan at fair value through other
komprehensif lain - neto 8h 76,114,624,789 45,645,505,878 comprehensive income - net
Saldo laba Retained earnings
Ditentukan penggunaannya 2,054,029,386 2,024,618,193 Appropriated
Belum ditentukan penggunaannya 768,914,078,134 324,377,355,023 Unappropriated
JUMLAH EKUITAS 6,885,075,877,798 6,411,268,936,762 TOTAL EQUITY
JUMLAH LIABILITAS DAN EKUITAS 12,750,434,573,380 11,058,956,402,885 TOTAL LIABILITIES AND EQUITY
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Final Draft Paraf:
2
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
LAPORAN LABA RUGI DAN PENGHASILAN STATEMENTS OF PROFIT OR LOSS AND
KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Catatan/
Notes 2023 2022
PENDAPATAN DAN OPERATING INCOME AND
BEBAN OPERASIONAL EXPENSE
Pendapatan bunga 25,36 1,328,942,770,941 767,672,238,489 Interest income
Beban bunga 26,36 (292,187,971,868) (140,443,190,519) Interest expenses
PENDAPATAN BUNGA - NETO 1,036,754,799,073 627,229,047,970 NET INTEREST INCOME
PENDAPATAN OPERASIONAL OTHER OPERATING
LAINNYA INCOME
Provisi dan komisi 27 6,596,365,673 120,209,813,917 Fees and commissions
Pendapatan administrasi Administration and penalties
dan denda 28 57,587,846,278 8,408,542,376 income
Keuntungan penjualan Gain on sales of
efek-efek 29 37,373,920,257 3,918,770,429 marketable securities
Lain-lain - neto 32 21,017,056,146 982,510,526 Others - net
Jumlah pendapatan operasional
lainnya 122,575,188,354 133,519,637,248 Total other operating income
Penyisihan cadangan kerugian Provision of allowance for impairment
penurunan nilai aset keuangan losses on financial assets
dan aset non-keuangan - neto 30 (47,941,752,225) (44,261,738,328) and non-financial assets - net
BEBAN OPERASIONAL OTHER OPERATING
LAINNYA EXPENSES
Beban umum dan administrasi 31a,36 (391,270,804,253) (286,577,245,489) General and administrative expenses
Beban tenaga kerja 31b,36 (144,556,384,983) (73,306,531,469) Personnel expenses
Jumlah beban operasional Total other operating
lainnya (535,827,189,236) (359,883,776,958) expenses
PENDAPATAN INCOME FROM
OPERASIONAL - NETO 575,561,045,966 356,603,169,932 OPERATIONS - NET
BEBAN NON OPERASIONAL - NETO 33 (286,771,831) (4,291,241,715) NON OPERATING EXPENSES - NET
LABA SEBELUM BEBAN PAJAK 575,274,274,135 352,311,928,217 INCOME BEFORE TAX EXPENSE
Beban Pajak Penghasilan 20b Income Tax Expense
Kini (127,158,847,967) (78,895,040,625) Current
Tangguhan (3,549,291,864) (3,387,476,399) Deferred
JUMLAH BEBAN PAJAK (130,708,139,831) (82,282,517,024) TOTAL TAX EXPENSES
LABA BERSIH 444,566,134,304 270,029,411,193 NET INCOME
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Final Draft Paraf:
3
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
LAPORAN LABA RUGI DAN PENGHASILAN STATEMENTS OF PROFIT OR LOSS AND
KOMPREHENSIF LAIN (Lanjutan) OTHER COMPREHENSIVE INCOME (Continued)
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Catatan/
Notes 2023 2022
PENGHASILAN OTHER COMPREHENSIVE
KOMPREHENSIF LAIN INCOME
Pos-pos yang tidak akan Items that will not be
direklasifikasi ke laba rugi: reclassified to profit or loss:
Pengukuran kembali atas Remeasurement of -
program imbalan pasti 22 (1,574,759,204) (3,726,957,567) defined benefit’s plan
Pajak penghasilan terkait 20c 346,447,025 819,930,665 Related income tax
Pos-pos yang akan direklasifikasi Items that will be reclasified
ke laba rugi: subsequently to profit or loss:
Keuntungan yang belum
direalisasi atas perubahan Unrealized gain on change
nilai wajar efek-efek of debt instrument at
yang diukur pada nilai in fair value through
wajar melalui penghasilan other comprehensive
komprehensif lain 8h 51,937,346,417 18,874,235,449 income
Pajak penghasilan terkait 20c (11,426,216,212) -- Related income tax
JUMLAH PENGHASILAN TOTAL OTHER
KOMPREHENSIF COMPREHENSIVE
LAIN TAHUN BERJALAN INCOME FOR THE
SETELAH PAJAK 39,282,818,026 15,967,208,547 YEAR NET OF TAX
JUMLAH PENGHASILAN
KOMPREHENSIF TOTAL COMPREHENSIVE
TAHUN BERJALAN 483,848,952,330 285,996,619,740 INCOME FOR THE YEAR
LABA PER SAHAM BASIC EARNINGS
DASAR 34 20.46 12.43 PER SHARE
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Final Draft Paraf:
4
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
LAPORAN PERUBAHAN EKUITAS STATEMENTS OF CHANGES IN OF EQUITY
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Keuntungan
yang belum
direalisasi atas
perubahan nilai
wajar melalui
penghasilan
komprehensif lain - neto/ Pengukuran
Modal Unrealized gain Surplus kembali atas
ditempatkan Tambahan on change in revaluasi program
dan disetor modal fair value aset tetap/ imbalan pasti - neto/
penuh/ disetor/ through other Surplus Remeasurement Ditentukan Belum ditentukan
Catatan/ Issued and Additional comprehensive on revaluation of defined penggunaannya/ penggunaannya/ Total ekuitas/
Notes paid-up capital paid-in capital income - net of fixed assets benefits plan - net Appropriated Unappropriated Total equity
SALDO PER 1 JANUARI 2022 1,168,293,357,100 28,888,724,813 26,771,270,429 22,575,371,620 369,616,848 2,000,000,000 54,372,562,023 1,303,270,902,833 BALANCE AS OF JANUARY 1, 2022
Penambahan modal 24,35 1,004,732,287,100 3,795,664,052,789 -- -- -- -- -- 4,800,396,339,889 Additional Capital
Laba bersih -- -- -- -- -- -- 270,029,411,193 270,029,411,193 Net income
Pembentukan cadangan Allocation for general
umum 24 -- -- -- -- -- 24,618,193 (24,618,193) -- reverse
Transfer surplus revaluasi Transfer of revaluation
aset tetap ke tambahan surplus of fixed asset to -
modal disetor 35 -- 22,575,371,620 -- (22,575,371,620) -- -- -- -- additional paid in capital
Difference in transaction
Selisih nilai transaksi value from business
kombinasi bisnis combinations of entities
entitas sepengendali 36 -- 21,605,074,300 -- -- -- -- -- 21,605,074,300 under common control
Penghasilan komprehensif Other comprehensive
lain - neto 8,22 -- -- 18,874,235,449 -- (2,907,026,902) -- -- 15,967,208,547 income - net
SALDO PER 31 DESEMBER 2022 2,173,025,644,200 3,868,733,223,522 45,645,505,878 -- (2,537,410,054) 2,024,618,193 324,377,355,023 6,411,268,936,762 BALANCE AS OF DECEMBER 31, 2022
Penyesuaian saldo awal -- -- (10,042,011,294) -- -- -- -- (10,042,011,294) Adjustment beginning balance
Laba bersih -- -- -- -- -- -- 444,566,134,304 444,566,134,304 Net income
Pembentukan cadangan Allocation for general
umum 24 -- -- -- -- -- 29,411,193 (29,411,193) -- reverse
Penghasilan komprehensif Other comprehensive
lain - neto 8,22 -- -- 40,511,130,205 -- (1,228,312,179) -- -- 39,282,818,026 income - net
SALDO PER 31 DESEMBER 2023 2,173,025,644,200 3,868,733,223,522 76,114,624,789 -- (3,765,722,233) 2,054,029,386 768,914,078,134 6,885,075,877,798 BALANCE AS OF DECEMBER 31, 2023
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Final Draft Paraf:
5
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
LAPORAN ARUS KAS STATEMENTS OF CASH FLOWS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Catatan/
Notes 2023 2022*)
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS OPERASI OPERATING ACTIVITIES
Penerimaan bunga 1,299,218,666,163 774,174,835,936 Interest received
Penerimaan operasional lainnya 104,309,283,702 98,743,494,199 Other operating received
Penerimaan kembali atas kredit Receipt from written-off
yang dihapusbukukan dan loans and foreclosed
agunan yang diambil alih 32 18,265,904,652 243,078,330 collateral
Pembayaran bunga (289,559,995,239) (134,222,259,618) Payments of interest
Pembayaran beban tenaga kerja (147,239,816,813) (73,741,608,878) Payments of personnel expenses
Pembayaran beban umum dan Payments of general and
administrasi (336,206,390,058) (251,979,018,760) administrative expenses
Pembayaran pajak penghasilan (127,158,847,967) (78,895,040,625) Payments of income tax
Pembayaran beban non-operasional - neto (18,176,489,981) (4,606,269,185) Payments of non-operating expenses - net
Arus kas sebelum perubahan Cash flows before changes
aset dan liabilitas operasi 503,452,314,459 329,717,211,399 in operating assets and liabilities
Penurunan (kenaikan) Decrease (increase) in
aset operasi: operating assets:
Kredit yang diberikan (180,149,638,909) (5,025,843,247,467) Loans
Efek-efek yang dibeli dengan Securities purchased
janji dijual kembali 764,098,785,000 (764,098,785,000) under resale agreements
Biaya dibayar di muka 15,020,659,232 (37,941,478,518) Prepaid expenses
Aset lain-lain 40,901,478,628 292,643,571,460 Other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi: operating liabilities:
Simpanan Deposits
Deposito berjangka 363,823,482,010 2,056,319,754,741 Time deposits
Giro 8,333,115,904 (131,485,512,941) Current accounts
Tabungan 155,861,578,189 205,586,212,240 Saving deposits
Efek-efek yang dijual dengan Securities sold
janji dibeli kembali 611,288,163,333 -- under repurchase agreements
Utang pajak 9,463,784,781 4,587,784,809 Taxes payables
Liabilitas lain-lain 56,003,115,304 (839,259,274,289) Other liabilities
Kas bersih diperoleh dari Net cash provided from
(digunakan untuk) aktivitas operasi 2,348,096,837,931 (3,909,773,763,566) (used in) operating activities
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS INVESTASI INVESTING ACTIVITIES
Pembelian efek-efek yang Placement from marketable securities
diukur pada nilai wajar melalui measured at fair value through other
penghasilan komprehensif lain (1,754,500,000,000) (1,896,710,000,000) comprehensive income
Penjualan efek-efek yang Proceeds from marketable securities
diukur pada nilai wajar melalui measured at fair value through
penghasilan komprehensif lain 500,000,000,000 1,814,861,500,000 other comprehensive income
Penerimaan dari penjualan aset tetap 13 19,043,262 24,628,910,318 Proceeds from sale of fixed assets
Pembelian aset tetap 13 (88,330,983,246) (125,894,963,649) Acquisition of fixed assets
Pembelian aset takberwujud 14 (12,504,677,724) (65,746,529,279) Acquisition of intangible assets
Kas bersih digunakan untuk Net cash used in
aktivitas investasi (1,355,316,617,708) (248,861,082,610) investing activities
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Final Draft Paraf:
6
Page 527
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
LAPORAN ARUS KAS (Lanjutan) STATEMENTS OF CASH FLOWS (Continued)
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Catatan/
Notes 2023 2022*)
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS PENDANAAN FINANCING ACTIVITIES
Modal ditempatkan Shares capital issued
dan disetor penuh -- 3,795,664,052,789 and fully paid
Proceeds from issuance
Penambahan modal disetor -- 1,004,732,287,100 of shares capital
Pembayaran liabilitas sewa (13,292,386,412) (14,522,851,186) Payment of lease liabilities
Kas bersih (digunakan untuk) Net cash (used in)
diperoleh dari aktivitas pendanaan (13,292,386,412) 4,785,873,488,703 provided from financing activities
KENAIKAN BERSIH KAS DAN INCREASE IN CASH AND
SETARA KAS 979,487,833,811 627,238,642,527 CASH EQUIVALENTS
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS AT
AWAL TAHUN 873,887,543,117 246,648,900,590 BEGINNING OF THE YEAR
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS AT
AKHIR TAHUN 1,853,375,376,928 873,887,543,117 END OF THE YEAR
Cash and cash equivalents
Kas dan setara kas terdiri dari: consist of:
Kas 4 3,848,905,800 3,173,579,300 Cash
Current accounts with
Giro pada Bank Indonesia 5 233,442,087,888 305,945,558,821 Bank Indonesia
Current accounts with
Giro pada bank lain 6 216,113,532,903 189,830,167,856 other banks
Penempatan pada Bank Placements with Bank
Indonesia dan Indonesia and
bank lain 7 1,399,970,850,337 374,938,237,140 other banks
Total cash and cash
Jumlah kas dan setara kas 1,853,375,376,928 873,887,543,117 equivalents
*) Direklasifikasikan (Catatan 45) *) As reclassified (Note 45)
Lihat Catatan 44 atas laporan keuangan untuk pengungkapan See Note 44 to the financial statements for the supplemental
informasi tambahan arus kas. disclosures of cash flows information.
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form integral part of these
laporan keuangan secara keseluruhan financial statements taken as a whole
Final Draft Paraf:
7
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
1. Umum 1. General
1.a. Pendirian dan Informasi Umum Bank 1.a. Establisment and General Information of
the Bank
PT Allo Bank Indonesia Tbk (“Bank”) didirikan PT Allo Bank Indonesia Tbk (“Bank”) was
di negara Republik Indonesia dengan nama establish in Republic of Indonesia under the
PT Bank Harda Internasional berdasarkan Akta business name of PT Bank Harda
Notaris No. 242 tanggal 21 Oktober 1992 dari Internasional based on Notarial Deed No. 242
Ny. Poerbaningsih Adi Warsito, S.H., notaris, dated October 21, 1992 from Mrs.
di Jakarta. Akta pendirian tersebut telah Poerbaningsih Adi Warsito, S.H., notary, in
mendapat pengesahan dari Kementerian Jakarta. The Deed of establishment was
Kehakiman Republik Indonesia dengan Surat approved by the Ministry of Justice of the
Keputusannya No. C2-895.HT.01.01.TH.93 Republic of Indonesia in its Decree No. C2-
tanggal 10 Februari 1993 serta diumumkan 895.HT.01.01.TH.93 dated February 10, 1993
dalam Lembaran Berita Negara No. 25 tanggal and published in State Gazette No. 25 dated
27 Maret 1993, Tambahan No. 1316. March 27, 1993, Supplement No. 1316.
Sesuai dengan Pasal 3 Anggaran Dasar Bank, In accordance with Article 3 of the Bank’s
tujuan Bank adalah melakukan usaha Articles of Association, the purpose of the
perbankan dengan melaksanakan kegiatan Bank is to conduct banking business by
usaha antara lain menghimpun dana dari conducting business activities such as
masyarakat, memberikan kredit, menerbitkan collecting funds from public, providing loans,
surat pengakuan utang, melakukan kegiatan issuing letters of credit, conducting custody
penitipan untuk kepentingan pihak lain activities for the benefit of other parties based
berdasarkan suatu kontrak dan membeli on a contract, and buying through the auction
melalui pelelangan agunan sesuai maupun of collateral as well as part in the event that the
sebagian dalam hal debitur tidak memenuhi debtor does not fulfill its obligations to the
liabilitasnya kepada Bank. Bank.
Bank memperoleh izin usaha sebagai Bank The Bank obtained a license as a Commercial
Umum dari Kementerian Keuangan Republik Bank from the Ministry of Finance of the
Indonesia dengan keputusan Republic of Indonesia with the decision
No. 455/KMK.017/1994 tanggal No. 455/KMK.017/1994 dated
8 September 1994. September 8, 1994.
Berdasarkan Akta Notaris No. 1 tanggal Based on Notarial Deed No. 1 dated
2 Juni 2021 tentang perubahan anggaran June 2, 2021 regarding the Decision of the
dasar PT Bank Harda Internasional Tbk yang Meeting Resolution on Amendment of Article of
dibuat di hadapan notaris Dharma Akhyuzi, Association of PT Bank Harda Internasional
S.H., para pemegang saham menyetujui Tbk, which was made before Dharma Akhyuzi,
perubahan nama Bank dari sebelumnya SH., the Bank’s shareholders agreed to change
bernama PT Bank Harda Internasional Tbk the Bank’s name from PT Bank Harda
menjadi PT Allo Bank Indonesia Tbk dan juga Internasional Tbk to become PT Allo Bank
menyetujui perubahan anggaran dasar Bank Indonesia Tbk and also approved the
untuk disesuaikan dengan peraturan Otoritas amendmend of Bank’s Article Association to be
Jasa Keuangan No. KEP-48/PB.1/2021 adjusted with the Financial Services Authority
tentang Rencana dan Penyelenggaraan Rapat Regulation No. KEP-48/PB.1/2021 regarding
Umum Pemegang Saham Perusahaan Plan and Implementation General Meeting of
Terbuka. Perubahan ini telah disetujui oleh Shareholders of Public Company. These
Menteri Hukum dan Hak Asasi Manusia changes have been approved by the Minister of
Republik Indonesia melalui surat keputusan Laws and Human Rights of the Republic of
No. AHU-0031692.AH.01.02. Tahun 2021 Indonesia through letter No. AHU-
tanggal 2 Juni 2021. 0031692.AH.01.02. Tahun 2021 dated
June 2, 2021.
8
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Anggaran Dasar Bank telah mengalami The Bank’s Articles of Assosiation have been
beberapa kali perubahan. Perubahan terakhir amended several times. The latest amendment
berdasarkan Akta Pernyataan Keputusan is based on the Deed of the Meeting Decision
Rapat No. 5 tanggal 15 Oktober 2021 yang Statement No. 5 dated October 15, 2021 of
dibuat dihadapan notaris Dharma Akhyuzi, Dharma Akhyuzi, S.H. notary in Jakarta,
S.H. notaris di Jakarta, menyetujui approved the increase in the Bank’s Authorized
peningkatan Modal Dasar Bank dari semula Capital from 16,000,000,000 shares with a
sebanyak 16.000.000.000 lembar saham nominal value of Rp1,600,000,000,000 to
dengan nilai nominal sebesar 40,000,000,000 shares with a nominal value of
Rp1.600.000.000.000 menjadi sebanyak Rp4,000,000,000,000. The amendment has
40.000.000.000 lembar saham dengan nilai been received and recorded by the Ministry of
nominal sebesar Rp4.000.000.000.000. Law and Human Rights of the Republic
Perubahan tersebut telah diterima dan dicatat Indonesia in its Decision Letter
oleh Kementerian Hukum dan Hak Asasi No. AHU-0057224.AH.01.02. Tahun 2021
Manusia Republik Indonesia masing-masing dated October 15, 2021.
melalui Surat Keputusan No. AHU-
0057224.AH.01.02. Tahun 2021 tanggal
15 Oktober 2021.
Berdasarkan Akta Perubahan Modal Disetor Based on the Notarial Deed of Amendment to
No. 7 tanggal 27 Januari 2022 yang dibuat Paid-in Capital No. 7 dated January 27, 2022 of
dihadapan notaris Dharma Akhyuzi, S.H. Dharma Akhyuzi, S.H. notary in Jakarta, the
notaris di Jakarta, menyetujui modal disetor Bank’s paid-in and issued capital is
dan ditempatkan Bank menjadi sebanyak 21,730,256,442 shares with a nominal value of
21.730.256.442 lembar saham dengan nilai Rp2,173,025,644,200. The amendment has
nominal Rp2.173.025.644.200. Perubahan been received and recorded by the Ministry of
tersebut telah diterima dan dicatat oleh Law and Human Rights of the Republic
Kementerian Hukum dan Hak Asasi Manusia Indonesia in its Decision Letter
Republik Indonesia masing-masing melalui No. AHU-AH.01.03-0073375 dated
Surat Keputusan No. AHU-AH.01.03-0073375 February 22, 2022.
tanggal 22 Februari 2022.
Pada tanggal 10 September 2021, Bank On September 10, 2021, the Bank received a
menerima surat persetujuan Penyelenggaraan letter of approval for Implementation of Digital
Layanan Produk Digital oleh Bank Umum dari Product Services by Commercial Banks from
Otoritas Jasa Keuangan No. S-159/PB.333/ the Financial Services Authority by letter
2021. No. S-159/PB.333/2021.
Pada tanggal 26 April 2022, Bank menerima On April 26, 2022, the Bank received a letter of
surat persetujuan dari Otoritas Jasa Keuangan approval from the Financial Services Authority
terkait rencana penutupan Kantor Cabang Bank regarding the plan to close the Bank’s Branches
di Surabaya, Bandung, Solo, Pontianak, Offices in Surabaya, Bandung, Solo, Pontianak,
Tangerang dan Pekan Baru dengan Surat Tangerang and Pekan Baru by Letter
No. S-118/PB.12/2022 tanggal 2 Juni 2022. No. S-118/PB.12/2022 dated June 2, 2022.
Pada tanggal 10 Mei 2022, Bank menerima On May 10, 2022, the Bank received a letter of
surat persetujuan dari Otoritas Jasa Keuangan approval from the Financial Services Authority
terkait rencana penutupan 6 Kantor Cabang regarding the plan to close 6 Sub-Branch
Pembantu dan 2 Kantor Kas di Jakarta dengan Offices and 2 Cash Offices in Jakarta by Letter
Surat No. S-58/PB.333/2022 tanggal No. S-58/PB.333/2022 dated June 1, 2022.
1 Juni 2022.
Kantor Pusat Bank berlokasi di Menara Bank Bank's Head Office is located at Menara Bank
Mega Lantai 5-6 Jalan Kapten P. Tendean Mega 5-6th floor Jalan Kapten P. Tendean
No. 12-14A Jakarta Selatan 12790. Bank saat No. 12-14A Jakarta Selatan 12790. The Bank
ini mempunyai 2 Kantor Cabang di Jakarta. currently has 2 Branch Offices in Jakarta.
9
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
PT Mega Corpora adalah entitas induk dari PT Mega Corpora is the parent entity of the
Bank. Entitas induk terakhir Bank adalah Bank. The ultimate holding entity of the Bank is
PT CT Corpora. PT CT Corpora.
1.b. Penawaran Umum Saham Bank 1.b. Public Offering of the Bank’s Shares
Pada tanggal 31 Juli 2015, Bank memperoleh On July 31, 2015, the Bank obtained the
Surat Pernyataan Efektif dari Dewan Effective Statement Letter from Board of
Komisioner Otoritas Jasa Keuangan (OJK) Commissioners of Financial Services Authority
dengan suratnya No. S-346/D.04/2015 untuk (OJK) through its Letter No. S-346/D.04/2015
melakukan penawaran umum saham perdana for the Bank’s initial public offering of
sejumlah 800.000.000 lembar saham biasa 800,000,000 common shares to the public with a
atas nama dan dengan nilai nominal Rp100 par value of Rp100 per share at an offering
setiap lembar saham yang ditawarkan kepada price of Rp125 per share. Included in the
masyarakat dengan harga penawaran Rp125 number of initial public shares offered to the
setiap saham. Termasuk didalam jumlah public are shares that have been allocated in
saham umum perdana kepada masyarakat connection with Employee Stock Allocation
adalah saham yang telah dialokasikan Program (ESA) of 1,270,000 shares based on
sehubungan dengan Program Alokasi Saham the Director Decision Letter No. 024/SK-
Karyawan sejumlah 1.270.000 lembar saham DIR/V/2015.
berdasarkan Surat Keputusan Direksi
No. 024/SK-DIR/V/2015.
Pada tanggal 12 Agustus 2015, seluruh saham These shares were listed on the Indonesian
tersebut telah dicatat di Bursa Efek Indonesia. Stock Exchange on August 12, 2015.
Pada tanggal 14 Juli 2017, Bank memperoleh On July 14, 2017, the Bank obtained the
Surat Pernyataan Efektif dari Dewan Effective Statement Letter from Board of
Komisioner Otoritas Jasa Keuangan (OJK) Commissioners of Financial Services Authority
dengan suratnya No. S-03820/BEI.PP3/07- (OJK) through its Letter No. S-03820/
2017 untuk melakukan peningkatan modal BEI.PP3/07-2017 for non-right issue of
tanpa melalui mekanisme Hak Memesan Efek 365,000,000 common shares with a par value
Terlebih Dahulu sejumlah 365.000.000 lembar of Rp100 per share at an offering price of
saham biasa atas nama dan dengan nilai Rp100 per share.
nominal Rp100 setiap lembar saham yang
ditawarkan dengan harga penawaran Rp100
setiap saham.
Pada tanggal 22 Juni 2018, Bank memperoleh On June 22, 2018, the Bank obtained the
Surat Pernyataan Efektif dari Dewan Effective Statement Letter from Board of
Komisioner Otoritas Jasa Keuangan (OJK) Commissioners of Financial Services Authority
dengan suratnya No. S-03564/BEI.PP3/06- (OJK) through its Letter
2018 untuk melakukan Hak Memesan Efek No. S-03564/ BEI.PP3/06-2018 for the Bank’s
Terlebih Dahulu sejumlah 169.431.795 lembar right issue offering of 169,431,795 common
saham biasa atas nama dan dengan nilai shares to the public with a par value of Rp100
nominal Rp100 setiap lembar saham yang per share at an offering price of Rp200 per
ditawarkan kepada masyarakat dengan harga share.
penawaran Rp200 setiap saham.
Pada tanggal 30 Juni 2021, Bank memperoleh On June 30, 2021, the Bank obtained the
Surat Pernyataan Efektif dari Dewan Effective Statement Letter from Board of
Komisioner Otoritas Jasa Keuangan (OJK) Commissioners of Financial Services Authority
dengan suratnya No. S-104/D.04/2021 untuk (OJK) through its Letter No. S-104/D.04/2021
melakukan Hak Memesan Efek Terlebih for the Bank’s right issue offering of
Dahulu sejumlah 7.498.501.776 lembar saham 7,498,501,776 common shares to the public
biasa atas nama dan dengan nilai nominal with a par value of Rp100 per share at an
Rp100 setiap lembar saham yang ditawarkan offering price of Rp100 per share.
kepada masyarakat dengan harga penawaran
Rp100 setiap saham.
10
Page 531
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Pada tanggal 30 Desember 2021, Bank On December 30, 2021, the Bank obtained the
memperoleh Surat Pernyataan Efektif dari Effective Statement Letter from Board of
Dewan Komisioner Otoritas Jasa Keuangan Commissioners of Financial Services Authority
(OJK) dengan suratnya No. S-245/D.04/2021 (OJK) through its Letter No. S-245/D.04/2021
untuk melakukan Hak Memesan Efek Terlebih for the Bank’s right issue offering of
Dahulu sejumlah 10.047.322.871 lembar 10,047,322,871 common shares to the public
saham biasa atas nama dan dengan nilai with a par value of Rp100 per share at an
nominal Rp100 setiap lembar saham yang offering price of Rp478 per share.
ditawarkan kepada masyarakat dengan harga
penawaran Rp478 setiap saham.
1.c. Dewan Komisaris, Direksi, Komite Audit, 1.c. Board of Commissioners, Directors, Audit
Komite Pemantau Risiko, Komite Committee, Risk Monitoring Committee,
Remunerasi dan Nominasi, Divisi Audit Remuneration and Nomination Committee,
Internal dan Karyawan Internal Audit Division and Employees
Pada tanggal 31 Desember 2023 dan 2022, As at December 31, 2023 and 2022, the Board of
anggota Dewan Komisaris, Direksi, Komite Commissioners, Directors, Audit Committee,
Audit, Komite Pemantau Risiko, Komite Risk Monitoring Committee, Remuneration and
Remunerasi dan Nominasi adalah sebagai Nomination Committee are as follows:
berikut:
2023 2022
Dewan Komisaris: Board of Commissioners:
Komisaris Utama Independen Aviliani Aviliani Independent President Commissioner
Komisaris Independen Rosmaya Hadi Rosmaya Hadi Independent Commissioner
Komisaris Ali Gunawan Ali Gunawan Commissioner
Dewan Direksi: Board of Directors:
Direktur Utama Indra Utoyo Indra Utoyo President Director
Direktur Ari Yanuanto Asah Ari Yanuanto Asah Director
Direktur Arief Tendeas Arief Tendeas Director
Direktur Ganda Raharja Rusli Ganda Raharja Rusli Director
Direktur Sajal Bhatnagar Sajal Bhatnagar Director
Komite Audit: Audit Committee:
Ketua Aviliani Aviliani Head
Anggota Siswandi Pujo Sasongko Siswandi Pujo Sasongko Member
Anggota Aulia Usmanto Aulia Usmanto Member
Komite Pemantau Risiko: Risk Monitoring Committee:
Ketua Rosmaya Rosmaya Head
Anggota Aulia Usmanto Aulia Usmanto Member
Anggota Lista Ima *) Siswandi Pujo Sasongko Member
Komite Remunerasi Remuneration and Nomination
dan Nominasi: Committee:
Ketua Aviliani Aviliani Head
Anggota Ali Gunawan Ali Gunawan Member
Anggota Netty Delima Simanjuntak **) Mariawati Tjitradinata Member
*) Pengangkatan Lista Ima sebagai Anggota Komite *) Lista Ima's appointment as a Member of the Risk
Pemantau Risiko telah mendapatkan persetujuan Monitoring Committee has been approved based on
Berdasarkan Surat Keputusan No. 019/DIRAB/23 Decree No. 019/DIRAB/23 dated March 8, 2023.
tanggal 08 Maret 2023.
**) Pengangkatan Netty Delima Simanjuntak sebagai **)The appointment of Netty Delima Simanjuntak as a
Anggota Komite Remunerasi dan Nominasi Member of the Remuneration and Nomination
telah mendapatkan persetujuan berdasarkan Committee has been approved based on Decree
Surat Keputusan No. 086/DIRAB/23 tanggal No. 086/DIRAB/23 dated October 26, 2023.
26 Oktober 2023.
Kepala Divisi Audit Internal Bank pada tanggal The Bank’s Internal Audit Division Head as off
31 Desember 2023 dan 2022 adalah Dani December 31, 2023 and 2022 is Dani Bayu
Bayu Angkat. Angkat.
Sekretaris Perusahaan Bank pada The Bank’s Corporate Secretary as at
31 Desember 2023 dan 2022 adalah Stacey December 31, 2023 and 2022 is Stacey Aryadi
Aryadi Suryoputro. Suryoputro.
11
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Personil manajemen kunci mencakup anggota Key management personnel includes of
Dewan Komisaris dan Direksi, serta pejabat members of the Board of Commisioners and
eksekutif yaitu pejabat yang bertanggung Board of Directors, and executive officers who
jawab langsung kepada Direksi atau have direct responsibility to the Board of
mempunyai pengaruh yang signifikan terhadap Directors or have significant influences over
kebijakan dan/atau aktivitas operasional Bank. policies and/or operational activities of the
Bank.
Pada tanggal 31 Desember 2023 dan 2022 As at December 31, 2023 and 2022, the Bank
Bank memiliki masing-masing 298 dan 168 has 298 and 168 employees (unaudited),
karyawan (tidak diaudit). respectively.
2. Ikhtisar Kebijakan Akuntansi Material 2. Summary of Material Accounting Policies
Kebijakan akuntansi utama yang diterapkan The principal accounting policies adopted in
dalam penyusunan laporan keuangan Bank preparing the financial statements of the Bank
adalah seperti dijabarkan di bawah ini: are set out below:
Pernyataan Kepatuhan Statement of Compliance
Laporan keuangan telah disusun dan disajikan The financial statements have been prepared
sesuai dengan Standar Akuntansi Keuangan di and presented in accordance with Indonesian
Indonesia (“SAK”), yang mencakup Pernyataan Financial Accounting Standards (“SAK”) which
dan interpretasi yang diterbitkan oleh Dewan comprise the Statements and interpretations
Standar Akuntansi Keuangan Ikatan Akuntan issued by the Financial Accounting Standards
Indonesia (“DSAK”), serta peraturan Pasar Board of Indonesian Institute of Accountants
Modal yang berlaku antara lain Peraturan (“DSAK”), and regulations in the Capital Market
Otoritas Jasa Keuangan/Badan Pengawas include Regulations of Financial Sevices
Pasar Modal dan Lembaga Keuangan Authority/Capital Market and Supervisory Board
(OJK/Bapepam-LK) No. VIII.G.7 tentang and Financial Institution (OJK/Bapepam-LK)
pedoman penyajian laporan keuangan, No. VIII.G.7 regarding guidelines for the
keputusan Ketua Bapepam-LK presentation of financial statements, decree of
No. KEP-347/BL/2012 tentang penyajian dan Chairman of Bapepam LK
pengungkapan laporan keuangan emiten atau No. KEP-347/BL/2012 regarding presentation
perusahaan publik. and disclosure of financial statements of the
issuer or public company.
2.a. Dasar Penyusunan Laporan Keuangan 2.a. Basis for Preparation of Financial
Statements
Laporan keuangan disusun berdasarkan biaya The financial statements have been prepared
perolehan, kecuali untuk aset keuangan yang under the historical cost convention, as
diukur pada nilai wajar melalui penghasilan modified by financial assets at fair value
komprehensif lain dan seluruh instrumen aset through other comprehensive income and
keuangan yang diukur berdasarkan nilai wajar financial assets and land and buildings
dan aset tanah dan gedung yang diukur pada measured at fair value. The financial
nilai wajar. Laporan keuangan disusun statements have been prepared using the
menggunakan basis akrual, kecuali untuk accrual basis except for the statement of cash
laporan arus kas. flow.
Bank telah menyusun laporan keuangan The Bank has prepared the financial statement
dengan dasar bahwa Bank akan terus on the basis that it will continue to operate as a
mempertahankan kelangsungan usaha. going concern.
Laporan arus kas disusun dengan The statement of cash flows is prepared based
menggunakan metode langsung dengan on the direct method by classifying cash flows
mengelompokkan arus kas dalam aktivitas on the basis of operating, investing, and
operasi, investasi dan pendanaan. Untuk financing activities. For purposes of the
tujuan laporan arus kas, kas dan setara kas statement of cash flows, cash and cash
12
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
mencakup giro pada bank lain, giro pada Bank equivalent consist of cash, current accounts
Indonesia, penempatan pada Bank Indonesia with other banks, current accounts with Bank
dan pada bank lain dengan jangka waktu Indonesia, placement with Bank Indonesia and
kurang dari 3 bulan. other banks with a period of less than
3 months.
Pos-pos dalam Penghasilan Komprehensif The items under Other Comprehensive Income
Lainnya disajikan terpisah antara akun-akun (OCI) are presented separately between items to
yang akan direklasifikasikan ke laba rugi dan be reclassified to profit or loss and those items
akun-akun yang tidak akan direklasifikasikan not to be reclassified to profit or loss.
ke laba rugi.
Dalam penyusunan laporan keuangan sesuai The preparation of financial statements in
dengan Standar Akuntansi Keuangan di conformity with Financial Accounting Standards
Indonesia, dibutuhkan estimasi dan asumsi in Indonesia requires the use of estimates and
yang mempengaruhi: assumptions that affect:
• nilai aset dan liabilitas dilaporkan, dan • • the reported amounts of assets and
pengungkapan atas aset dan liabilitas liabilities and disclosure of contingent
kontinjensi pada tanggal laporan assets and liabilities at the date of the
keuangan, financial statements,
• jumlah pendapatan dan beban selama • the reported amounts of revenues and
periode pelaporan expenses during the reporting period
Walaupun estimasi ini dibuat berdasarkan Although these estimates are based on
pengetahuan terbaik manajemen atas kejadian management’s best knowledge of current events
dan tindakan saat ini, hasil yang timbul and activities, actual results may differ from
mungkin berbeda dengan jumlah yang those estimates.
diestimasi semula.
Estimasi-estimasi dan asumsi-asumsi yang Estimates and underlying assumptions are
digunakan ditelaah secara berkesinambungan. reviewed on an ongoing basis. Revisions to
Revisi atas estimasi akuntansi diakui pada accounting estimates are recognized in the
periode dimana estimasi tersebut direvisi dan period in which the estimate is revised and in
periode yang akan datang yang dipengaruhi any future periods affected.
oleh revisi estimasi tersebut.
Secara khusus, informasi mengenai hal-hal In particular, information about significant areas
penting yang terkait dengan ketidakpastian of estimation uncertainty and critical judgments
estimasi dan pertimbangan-pertimbangan in applying accounting policies that have
penting dalam penerapan kebijakan akuntansi significant effect on the amount recognized in
yang memiliki dampak yang signifikan the financial statements are described in
terhadap jumlah yang diakui dalam laporan Note 3.
keuangan dijelaskan di Catatan 3.
Mata uang penyajian yang digunakan pada The presentation currency used in the financial
laporan keuangan adalah Rupiah, yang statements is Indonesian Rupiah, which is the
merupakan mata uang fungsional Bank. functional currency of the Bank.
Perubahan Pernyataan Standar Akuntansi Changes to the Statements of Financial
Keuangan dan Interpretasi Standar Accounting Standards and Interpretations
Akuntansi Keuangan of Statements of Financial Accounting
Standards
Berikut amendemen dan penyesuaian atas The following are amendments and
standar yang berlaku efektif untuk periode improvements to standards which effective for
yang dimulai pada atau setelah 1 Januari periods beginning on or after January 1, 2023,
2023, dengan penerapan dini diperkenankan with early adoption is permitted, are as follows:
yaitu:
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
• Amendemen PSAK 1: Penyajian Laporan • • Amendments to PSAK 1: Presentation of
Keuangan tentang Pengungkapan Financial Statements regarding Disclosure
Kebijakan Akuntansi; of Accounting Policies;
• Amendemen PSAK 1: Penyajian Laporan • Amandment of PSAK 1: Presentation of
Keuangan tentang Liabilitas Jangka Financial Statements regarding Long Term
Panjang dengan Kovenan; Liabilities with the Covenant;
• Amendemen PSAK 16: Aset Tetap tentang • Amendments to PSAK 16: Fixed Assets
Hasil Sebelum Penggunaan yang regarding to Proceeds Before Intended
Diintensikan; Use;
• Amendemen PSAK 25: Kebijakan • Amendments to PSAK 25: Accounting
Akuntansi, Perubahan Estimasi Akuntansi Policies, Change in Accounting Estimates
dan Kesalahan tentang Definisi Estimasi and Errors regarding Definition of
Akuntansi; Accounting Estimates;
• Amendemen PSAK 46: Pajak Penghasilan • Amendments to PSAK 46: Income Tax
tentang Pajak Tangguhan Terkait Aset regarding Asset-Related Deferred Tax and
Liabilitas yang Timbul dari Transaksi Liabilities Arising From a Single
Tunggal; dan Transaction; and
• Revisi PSAK 107: Akuntansi Ijarah • Revised PSAK 107: Accounting for Ijara
Implementasi dari standar-standar tersebut The implementation of the above standards did
tidak menghasilkan perubahan substansial not result in substantial changes to the Bank’s
terhadap kebijakan akuntansi Bank dan tidak accounting policies and had no material impact
memiliki dampak yang material terhadap to the financial statements for current or prior
laporan keuangan di tahun berjalan atau tahun financial years.
sebelumnya.
2.b. Transaksi dengan Pihak Berelasi 2.b. Transactions with Related Parties
Dalam menjalankan usahanya, Bank In the normal course of its business, the Bank
melakukan transaksi dengan pihak-pihak enters into transactions with related parties
berelasi seperti yang didefinisikan dalam which are defined under PSAK 7 regarding
PSAK 7 tentang “Pengungkapan Pihak-pihak “Related Party Disclosures”.
Berelasi”.
Pihak berelasi adalah orang atau entitas yang A related party is a person or entity that is
terkait dengan Bank: related to the Bank:
a. Orang atau anggota keluarga terdekat a. A person or a close member of the person’s
mempunyai relasi dengan entitas pelapor family is related to the Bank if that person:
jika orang tersebut:
i. Memiliki pengendalian atau iv. i. Has control or joint control over the
pengendalian bersama atas Bank; Bank;
ii. Memiliki pengaruh signifikan atas ii. Has significant influence over the
Bank; atau Bank; or
iii. Personil manajemen kunci Bank atau iii. Is a member of the key management
entitas induk Bank. personnel of the Bank or of a parent
of the Bank.
b. Suatu entitas berelasi dengan Bank jika b. An entity is related to the Bank if any of the
memenuhi salah satu hal berikut: following conditions applies:
i. Entitas dan entitas pelapor adalah i. The entity and the reporting entity are
anggota dari kelompok usaha yang members of the same group (which
sama (artinya entitas induk, entitas means that each parent, subsidiary,
anak, dan sesama entitas anak saling and fellow subsidiaries are related to
berelasi dengan entitas anak each others);
lainnya);
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
ii. Satu entitas adalah entitas asosiasi ii. One entity is an associate or joint
atau ventura bersama dari entitas lain venture of the other entity (or an
(atau entitas asosiasi atau associate or joint venture of a
ventura bersama yang merupakan member of a group of which the other
anggota suatu kelompok usaha, entity is a member);
dimana entitas lain tersebut adalah
anggotanya);
iii. Kedua entitas tersebut adalah iii. Both entities are joint ventures of the
ventura bersama dari pihak ketiga same third party;
yang sama;
iv. Satu entitas adalah ventura bersama iv. One entity is a joint venture of a third
dari entitas ketiga dan entitas yang entity and the other entity is an
lain adalah entitas asosiasi dari associate of the third entity;
entitas ketiga;
v. Entitas tersebut adalah suatu v. The entity is a post-employment
program imbalan pascakerja untuk benefit plan for the benefit of
imbalan kerja dari salah satu entitas employees of either the reporting
pelapor atau entitas yang terkait entity, or an entity related to the
dengan entitas pelapor. Jika entitas reporting entity. If the reporting entity
pelapor adalah entitas yang in itself such a plan, the sponsoring
menyelenggarakan program tersebut, employers are also related to the
maka entitas sponsor juga berelasi reporting entity;
dengan entitas pelapor;
vi. Entitas yang dikendalikan atau vi. The entity is controlled or jointly
dikendalikan bersama oleh orang controlled by a person identified in
yang diidentifikasi dalam huruf (a); (a);
vii. Orang yang diidentifikasi dalam huruf vii. A person identified in (a) (i) has
(a) (i) memiliki pengaruh signifikan significant influence over the entity or
atas entitas atau merupakan personil is a member of the key management
manajemen kunci entitas (atau personnel of the entity (or a parent of
entitas induk dari entitas); atau the entity); or
viii. Entitas atau anggota dari kelompok di viii. The entity or any members of a group
mana entitas merupakan bagian dari of which it is a part, provides key
kelompok tersebut, menyediakan jasa management personnel service to the
personil manajemen kunci kepada reporting entity or to the parent of the
entitas pelapor atau kepada entitas reporting entity.
induk dari entitas pelapor.
Transaksi dengan pihak berelasi dilakukan Transactions with related parties are made on
berdasarkan persyaratan yang disetujui oleh terms agreed by both parties, where such
kedua belah pihak, dimana persyaratan requirements may not be the same as other
tersebut mungkin tidak sama dengan transaksi transactions undertaken with third parties.
lain yang dilakukan dengan pihak-pihak yang Material transactions and balances with
tidak berelasi. Seluruh transaksi dan saldo related parties are disclosed in the notes to the
yang material dengan pihak-pihak berelasi financial statements and the relevant details
diungkapkan dalam catatan atas laporan have been presented in Note 36 of the
keuangan yang relevan dan rinciannya telah financial statements.
disajikan dalam Catatan 36 atas laporan
keuangan.
15
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2.c. Aset dan Liabilitas Keuangan 2.c. Financial Assets and Liabilities
Aset keuangan dan liabilitas keuangan Bank The Bank’s financial assets and liabilities
terdiri atas: mainly consist of:
Golongan
Kategori yang berdasarkan PSAK 71/ (ditentukan oleh Bank)/ Subgolongan/
Category based on PSAK 71 Class Subclasses
(as determined by the Bank)
Kas/Cash
Giro pada Bank Indonesia/Current accounts with Bank Indonesia
Giro pada bank lain/Current accounts with other banks
Penempatan pada Bank Indonesia dan bank lain/Placements with Bank
Indonesia and other banks
Aset keuangan pada biaya perolehan diamortisasi/ Efek-efek yang dibeli dengan janji dijual kembali/Securities purchased under
Financial assets at amortized cost resale agreement
Aset keuangan/
Financial assets Kredit yang diberikan/Loans
Pendapatan bunga yang masih akan diterima/Interest Receivables
Aset lain-lain/Other Assets Uang jaminan/Security deposits
Aset keuangan pada nilai wajar melalui penghasilan
komprehensif lain/
Efek-efek/Marketable securities Obligasi/Bonds
Financial assets at fair value through other
comprehensive income
Simpanan nasabah/Deposits from customers
Simpanan dari bank lain/Deposits from other banks
Liabilitas keuangan yang diukur dengan biaya Efek-efek yang dijual dengan janji dibeli kembali/Securities sold under
Liabilitas keuangan/
perolehan diamortisasi/ repurchased agreement
Financial liabilities
Financial liabilities at amotized cost
Bunga yang masih harus dibayar/Accrued interests
Liabilitas lain-lain/Other liabilities Safe Deposit Box/Safe Deposit Box
Rekening Administratif/
Fasilitas kredit kepada nasabah yang belum digunakan/Unused loans facilities to debtors
Off Balance Sheet
(i) Klasifikasi (i) Classification
Bank mengklasifikasikan aset The Bank classifies its financial assets
keuangannya berdasarkan kategori according to the following categories at
sebagai berikut pada saat pengakuan initial recognition:
awal:
• Aset keuangan yang diukur pada nilai • • Financial assets measured at fair
wajar melalui laba rugi; value through profit or loss;
• Aset keuangan yang diukur pada nilai • Financial assets measured at fair
wajar melalui penghasilan value through other comprehensive
komprehensif lain; income;
• Aset keuangan yang diukur pada • Financial assets measured at
biaya perolehan diamortisasi. amortized cost.
Bank melakukan pengujian karakteristik The Bank assess the contractual cash flow
arus kas kontraktual dari aset keuangan characteristics of financial assets to
yang dikelola untuk mengetahui determine the characteristics of
karakteristik arus kas kontraktual berasal contractual cash flows only from the
hanya dari pembayaran pokok dan bunga payment of principal and interest from the
dari jumlah pokok terutang (Solely outstanding principal (Solely Payment of
Payment of Principal and Interest atau Principal and Interest or Pass SPPI) that is
Pass SPPI) yang konsisten dengan consistent with basic lending agreement.
pengaturan pinjaman dasar (Basic
Lending Agreement).
Dalam melakukan penilaian, Bank In making the assessment, the Bank
mempertimbangkan: considers:
• Imbalan untuk nilai waktu dari uang; • The time value of money element of
interest;
• Leverage; • Leverage;
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
• Variabilitas pada waktu dan jumlah • Variability in timing or amount of cash
arus kas; flows;
• Instrumen yang terkait secara • Contractually linked instruments;
kontraktual;
• Pembayaran dipercepat; dan • Early repayment; and
• Ketentuan kontrak tidak sah dan de • Non-genuine features and de
minimis. minimis.
Aset keuangan diukur pada biaya Financial assets are measured at
perolehan diamortisasi jika memenuhi amortized cost if they meet the following
kondisi sebagai berikut: conditions:
• Aset keuangan dikelola dalam model • • Financial assets are managed in a
bisnis yang bertujuan untuk memiliki business model that aims to have
aset keuangan dalam rangka financial assets in order to collect
mendapatkan arus kas kontraktual; contractual cash flow; and
dan
• Persyaratan kontraktual dari aset • The contractual terms of the financial
keuangan tersebut memberikan hak asset provide rights on a certain date
pada tanggal tertentu atas arus kas for cash flow obtained solely from
yang diperoleh semata dari payment of principal and interest
pembayaran pokok dan bunga (SPPI) (SPPI) on the principal amount
dari jumlah pokok terutang. outstanding.
Aset keuangan diukur pada nilai wajar Financial assets are measured at fair
melalui penghasilan komprehensif lain value through other comprehensive
(FVTOCI) jika memenuhi kondisi sebagai income (FVTOCI) if they meet the
berikut: following conditions:
• Aset keuangan dikelola dalam model • • Financial assets are managed in a
bisnis yang bertujuan untuk business model that aims to collect
mendapatkan arus kas kontraktual contractual cash flow and sell
dan menjual aset keuangan; dan financial assets; and
• Persyaratan kontraktual dari aset • The contractual requirements of the
keuangan tersebut memenuhi kriteria financial assets meet the SPPI
SPPI. criteria.
Pada saat pengakuan awal, Bank dapat At initial recognition, the Bank may make
membuat pilihan yang tidak dapat an irrevocable choice to present equity
dibatalkan untuk menyajikan instrumen instruments that are not held for trading at
ekuitas yang bukan dimiliki untuk fair value through other comprehensive
diperdagangkan pada nilai wajar melalui income.
penghasilan komprehensif lain.
Aset keuangan lainnya yang tidak Other financial assets that do not meet the
memenuhi persyaratan untuk requirements to be classified as financial
diklasifikasikan sebagai aset keuangan assets measured at amortized cost or fair
diukur pada biaya perolehan diamortisasi value through other comprehensive
atau nilai wajar melalui penghasilan income, are classified as measured at fair
komprehensif lain, diklasifikasikan sebagai value through profit or loss.
diukur pada nilai wajar melalui laba rugi.
Saat pengakuan awal Bank dapat At initial recognition, the Bank can make an
membuat penetapan yang tidak dapat irrevocable determination to measure
dibatalkan untuk mengukur aset yang assets that meet the requirements to be
memenuhi persyaratan untuk diukur pada measured at amortized cost or fair value
biaya perolehan diamortisasi atau nilai through other comprehensive income at
wajar melalui penghasilan komprehensif fair value through profit or loss, if the
lain pada nilai wajar melalui laba rugi, determination eliminates or significantly
apabila penetapan tersebut mengeliminasi reduces the measurement or recognition
17
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
atau secara signifikan mengurangi inconsistencies (sometimes referred to as
inkonsistensi pengukuran atau pengakuan "accounting mismatch").
(kadang disebut sebagai ”accounting
mismatch”).
Penilaian model bisnis Evaluation of business models
Model bisnis ditentukan pada level yang The business model is determined at a
mencerminkan bagaimana kelompok aset level that reflects how Bank’s financial
keuangan dikelola bersama-sama untuk assets are managed together to achieve
mencapai tujuan bisnis tertentu. certain business objectives.
Penilaian model bisnis dilakukan dengan The evaluation of the business model is
mempertimbangkan, tetapi tidak terbatas carried out by considering, but not limited
pada, hal-hal berikut: to, the following:
• Bagaimana kinerja dari model bisnis • • How the performance of the
dan aset keuangan yang dimiliki business model and financial assets
dalam model bisnis dievaluasi dan held in the business model are
dilaporkan kepada personil evaluated and reported to the Bank's
manajemen kunci Bank; key management personnel;
• Apakah risiko yang memengaruhi • What risks affect the performance of
kinerja dari model bisnis (termasuk the business model (including
aset keuangan yang dimiliki dalam financial assets held in the business
model bisnis) dan khususnya model) and specifically how the
bagaimana cara aset keuangan financial assets are managed; and
tersebut dikelola; dan
• Bagaimana penilaian kinerja • How to evaluate the performance of
pengelola aset keuangan (sebagai managers of financial assets (for
contoh, apakah penilaian kinerja example, whether performance
berdasarkan nilai wajar dari aset yang appraisals are based on the fair value
dikelola atau arus kas kontraktual of the assets being managed or the
yang diperoleh). contractual cash flows obtained).
Aset keuangan yang dimiliki untuk Financial assets held for trading or
diperdagangkan atau dikelola dan managed and which performance
penilaian kinerjanya berdasarkan nilai appraisals based on fair value are
wajar diukur pada nilai wajar melalui laba measured at fair value through profit or
rugi. loss.
Derivatif juga dikategorikan dalam Derivatives are also categorized under this
kelompok ini, kecuali derivatif yang classification unless they are designated as
ditetapkan sebagai instrumen lindung nilai effective hedging instruments.
efektif.
Penilaian mengenai arus kas Evaluation of contractual cash flows
kontraktual yang diperoleh semata dari obtained solely from payment of
pembayaran pokok dan bunga principal and interest
Untuk tujuan penilaian ini, pokok For the purpose of this valuation, principal
didefinisikan sebagai nilai wajar dari aset is defined as the fair value of financial
keuangan pada saat pengakuan awal. assets at initial recognition. Interest is
Bunga didefinisikan sebagai imbalan untuk defined as compensation for the time value
nilai waktu atas uang dan risiko kredit of money and credit risk in relation to the
terkait jumlah pokok terutang pada periode principal amount owed over a certain
waktu tertentu dan juga risiko dan biaya period of time and also the risk and
peminjaman standar, dan juga marjin laba. standard borrowing costs, as well as profit
margins.
18
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Penilaian mengenai arus kas kontraktual An assessment of contractual cashflows
yang diperoleh semata dari pembayaran obtained solely from principal and interest
pokok dan bunga dilakukan dengan payments is made by considering
mempertimbangkan persyaratan contractual terms, including whether
kontraktual, termasuk apakah aset financial assets contain contractual terms
keuangan mengandung persyaratan that can change the timing or amount of
kontraktual yang dapat mengubah waktu contractual cash flows. In assessing, the
atau jumlah arus kas kontraktual. Dalam Bank considers:
melakukan penilaian, Bank
mempertimbangkan:
• Peristiwa kontinjensi yang akan • • Contingency events that will change
mengubah waktu atau jumlah arus the timing or amount of contractual
kas kontraktual; cash flow;
• Fitur leverage; • Leverage feature;
• Persyaratan pembayaran di muka • Terms of advance payment and
dan perpanjangan kontraktual; contractual extension;
• Persyaratan mengenai klaim yang • Requirements regarding limited
terbatas atas arus kas yang berasal claims for cash flows from specific
dari aset spesifik; dan assets; and
• Fitur yang dapat mengubah nilai • Features that can change the time
waktu dari elemen uang. value of the money element.
Liabilitas keuangan diklasifikasikan ke Financial liabilities are classified into the
dalam kategori sebagai berikut pada saat following categories at initial recognition:
pengakuan awal:
• Liabilitas keuangan yang diukur pada • • Financial liabilities at fair value
nilai wajar melalui laporan laba rugi, through profit or loss, which has 2
yang memiliki 2 (dua) sub-klasifikasi, (two) sub-classifications, i.e. those
yaitu liabilitas keuangan yang designated as such upon initial
ditetapkan demikian pada saat recognition and those classified as
pengakuan awal dan liabilitas held for trading;
keuangan yang telah diklasifikasikan
dalam kelompok diperdagangkan;
• Liabilitas keuangan lain. Liabilitas • Other financial liabilities. Other
keuangan lainnya merupakan liabilitas financial liabilities pertain to financial
keuangan yang tidak dimiliki untuk liabilities that are not held for trading
dijual atau ditentukan sebagai nilai nor designated as at fair value
wajar melalui laba rugi saat through profit or loss upon recognition
pengakuan liabilitas. of the liability.
(ii) Pengakuan (ii) Recognition
Bank pada awalnya mengakui kredit yang The Bank initially recognizes loans and
diberikan serta simpanan pada tanggal deposits on the date of origination. Regular
perolehan. Pembelian dan penjualan aset way purchases and sales of financial
keuangan yang lazim (reguler) diakui pada assets are recognized on the trade date at
tanggal perdagangan dimana Bank which the Bank commits to purchase or sell
memiliki komitmen untuk membeli atau the asset. All other financial assets and
menjual aset tersebut. Semua aset dan liabilities are initially recognized on the
liabilitas keuangan lainnya pada awalnya trade date at which the Bank becomes a
diakui pada tanggal perdagangan dimana party to the contractual provisions of the
Bank menjadi suatu pihak dalam instruments.
ketentuan kontraktual instrumen tersebut.
Pada saat pengakuan awal, aset atau A financial asset or liability is initially
liabilitas keuangan diukur pada nilai wajar measured at fair value plus (for an item not
ditambah (untuk item yang tidak diukur valued at fair value through profit and loss
pada nilai wajar melalui laba rugi setelah at initial recognition) transaction costs
pengakuan awal) biaya transaksi yang subsequently measured at fair value that
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
dapat diatribusikan secara langsung atas are directly attributable to the acquisition of
perolehan aset keuangan atau penerbitan financial assets or issuance of financial
liabilitas keuangan. Pengukuran aset dan liabilities. The subsequent measurement of
liabilitas keuangan setelah pengakuan assets and liabilities depends on their
awal tergantung pada klasifikasi aset dan classifications.
liabilitas keuangan tersebut.
Biaya transaksi hanya meliputi biaya- Transaction costs include only those costs
biaya yang dapat diatribusikan secara that are directly attributable to the
langsung untuk perolehan suatu aset acquisition of a financial asset or issue of a
keuangan atau penerbitan suatu liabilitas financial liability and are incremental costs
keuangan dan merupakan biaya that would not have been incurred if the
tambahan yang tidak akan terjadi apabila instrument had not been acquired or
instrumen keuangan tersebut tidak issued. In the case of financial assets,
diperoleh atau diterbitkan. Untuk aset transaction costs are added to the amount
keuangan, biaya transaksi ditambahkan recognized initially, while for financial
pada jumlah yang diakui pada awal liabilities, transaction costs are deducted
pengakuan aset, sedangkan untuk from the amount of debt recognized
liabilitas keuangan, biaya transaksi initially.
dikurangkan dari jumlah utang yang diakui
pada awal pengakuan liabilitas.
Biaya transaksi tersebut diamortisasi Such transaction costs are amortized over
selama umur instrumen berdasarkan the terms of the instruments based on the
metode suku bunga efektif dan dicatat effective interest method and are recorded
sebagai bagian dari pendapatan bunga as part of interest income for transaction
untuk biaya transaksi sehubungan dengan costs related to financial assets or interest
aset keuangan atau sebagai bagian dari expense for transaction costs related to
beban bunga untuk biaya transaksi financial liabilities.
sehubungan dengan liabilitas keuangan.
Liabilitas keuangan pada awalnya diukur Financial liabilities are initially measured at:
pada:
(i) Liabilitas keuangan yang diukur pada (i) Financial liabilities at fair value through
nilai wajar melalui laba rugi. profit or loss.
Kategori ini terdiri dari dua subkategori: This category consists of two sub
liabilitas keuangan diklasifikasikan categories: financial liabilities
sebagai diperdagangkan dan liabilitas classified as trading and financial
keuangan yang pada saat pengakuan liabilities which at initial recognition
awal telah ditetapkan diukur pada nilai were designated at fair value through
wajar melalui laba rugi. profit or loss.
(ii) Liabilitas keuangan yang diukur (ii) Financial liabilities at amortized cost,
dengan biaya perolehan diamortisasi, except:
kecuali:
a. Liabilitas keuangan yang diukur a. Financial liabilities at fair value
pada nilai wajar melalui laba rugi. through profit or loss.
b. Liabilitas keuangan yang timbul b. Financial liabilities that arise when
ketika pengalihan aset keuangan a transfer of a financial asset does
tidak memenuhi syarat penghentian not qualify for derecognition or
pengakuan atau ketika pendekatan when the continuing involvement
keterlibatan berkelanjutan approach is applied.
diterapkan.
c. Kontrak jaminan keuangan. c. Financial guarantee contracts.
d. Komitmen dengan suku bunga di d. Commitment to provide loans at
bawah pasar. below market interest rates.
20
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Imbalan kontinjensi yang diakui oleh pihak Contingent consideration recognized by the
pengakuisisi dalam kombinasi bisnis. acquirer in the business combination.
(iii) Pengukuran setelah pengakuan awal (iii) Subsequent Measurement
Setelah pengakuan awal, Bank mengukur After initial recognition, the Bank measures
aset keuangan, sesuai dengan klasifikasi financial assets, according to the
aset keuangan pada: classification of financial assets at:
a. Biaya perolehan diamortisasi. a. Amortized cost.
b. Nilai wajar melalui penghasilan b. Fair value through other
komprehensif lain. comprehensive income.
c. Nilai wajar melalui laba rugi. c. Fair value through profit or loss.
a. Aset keuangan pada biaya a. Financial assets at amortized cost
perolehan diamortisasi
Aset keuangan pada biaya perolehan Financial assets at amortized cost are
diamortisasi diukur dengan measured by adding up the financial
menjumlahkan aset keuangan yang assets measured at initial recognition
diukur saat pengakuan awal dikurangi minus principal payments, added or
pembayaran pokok, ditambah atau reduced by cumulative amortization
dikurangi dengan amortisasi kumulatif using the effective interest method
menggunakan metode bunga efektif calculated from the difference between
yang dihitung dari selisih antara nilai the initial value and the maturity value
awal dan nilai jatuh temponya dan and adjusted for the allowance for
disesuaikan dengan penyisihan losses.
kerugiannya.
Keuntungan atau kerugian akibat Gains or losses due to fluctuations in
fluktuasi nilai wajar tidak diakui untuk fair value are not recognized for the
aset keuangan pada biaya perolehan financial assets at amortized cost.
diamortisasi.
Pendapatan bunga dihitung Interest income is calculated using the
menggunakan metode bunga efektif effective interest method by applying
yaitu dengan menerapkan suku bunga an effective interest rate to the gross
efektif atas jumlah tercatat bruto aset carrying amount of financial assets,
keuangan, kecuali untuk: except for:
• Aset keuangan yang dibeli atau • Financial assets purchased or
yang berasal dari aset keuangan originating from financial assets
memburuk. Untuk aset keuangan deteriorate. For these financial
tersebut, Bank menerapkan suku assets, the Bank applies an effective
bunga efektif yang disesuaikan interest rate adjusted by credit for
dengan kredit atas biaya perolehan the amortized cost of the financial
diamortisasi aset keuangan sejak assets from initial recognition.
pengakuan awal.
• Aset keuangan yang tidak dibeli • Financial assets that are not
atau yang berasal dari aset purchased or that originate from
keuangan memburuk tetapi financial assets deteriorate but
selanjutnya menjadi aset keuangan subsequently become financial
memburuk. Untuk aset keuangan assets deteriorate. For these
tersebut, Bank menerapkan suku financial assets, the Bank applies an
bunga efektif atas biaya perolehan effective interest rate on the
diamortisasi aset keuangan di amortized cost of the financial assets
periode pelaporan selanjutnya. in the next reporting period.
Bank dalam suatu periode pelaporan The Bank in a reporting period
menghitung pendapatan bunga dengan calculates interest income by applying
menerapkan metode bunga efektif atas the effective interest method on the
biaya perolehan diamortisasi aset acquisition cost of amortized financial
21
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
keuangan, pada periode pelaporan assets, in the next reporting period,
selanjutnya, menghitung pendapatan calculating interest income by applying
bunga dengan menerapkan suku an effective interest rate on the gross
bunga efektif atas jumlah tercatat bruto carrying amount if the credit risk of the
jika risiko kredit instrumen keuangan financial instrument improves so that
tersebut membaik sehingga aset the financial assets no longer
keuangan tidak lagi mengalami experience Impairment of credit value
penurunan nilai kredit dan perbaikan and improvement can be objectively
tersebut secara objektif dapat dikaitkan related to an event that occurs after the
dengan suatu peristiwa yang terjadi requirements listed in the second point
setelah persyaratan yang tercantum of the above paragraph are applied (for
dalam poin kedua pada paragraf di example, an improvement in the
atas diterapkan (misalnya, perbaikan borrower's credit rating).
peringkat kredit peminjam).
b. Aset keuangan pada nilai wajar b. Financial assets at fair value
melalui penghasilan komprehensif through other comprehensive
lain income
Keuntungan atau kerugian aset Gains or losses of financial assets
keuangan yang diukur pada nilai wajar measured at fair value through other
melalui penghasilan komprehensif lain comprehensive income are recognized
diakui dalam penghasilan in other comprehensive income until
komprehensif lain sampai aset the financial assets are derecognized
keuangan dihentikan pengakuannya or reclassified, except:
atau direklasifikasi, kecuali:
• Bunga yang dihitung menggunakan • Interest calculated using the
metode bunga efektif diakui dalam effective interest method is
laba rugi, jumlah yang diakui dalam recognized in profit or loss, the
laba rugi sama dengan jumlah yang amount recognized in profit or loss
akan diakui dalam laba rugi jika aset is equal to the amount to be
keuangan diukur pada biaya recognized in profit or loss if the
perolehan diamortisasi; financial asset is measured at
amortized cost;
• Keuntungan atau kerugian • Impairment gains or losses; or
penurunan nilai; atau
• Keuntungan atau kerugian selisih • Foreign Exchange gains or losses.
kurs.
Ketika aset keuangan dihentikan When a financial asset is
pengakuannya, keuntungan atau derecognized, the cumulative gain or
kerugian kumulatif yang telah diakui loss previously recognized in other
sebelumnya dalam penghasilan comprehensive income is reclassified
komprehensif lain direklasifikasi dari from equity to profit or loss as a
ekuitas ke laba rugi sebagai reclassification adjustment.
penyesuaian reklasifikasi.
Khusus untuk aset keuangan Specifically for financial assets in the
berbentuk instrumen ekuitas, jumlah form of equity instruments, the
yang disajikan pada penghasilan amounts presented in other
komprehensif lainnya tidak selanjutnya comprehensive income are not
dialihkan ke laba rugi. Akan tetapi, subsequently transferred to profit or
Bank dapat mengalihkan keuntungan loss. However, the Bank can transfer
atau kerugian kumulatif pada ekuitas. cumulative gains or losses on equity.
Sesuai dengan paragraf sebelumnya, In accordance with the previous
jika aset keuangan diukur pada nilai paragraph, if a financial asset is
wajar melalui penghasilan measured at fair value through other
komprehensif lain, jumlah yang diakui comprehensive income, the amount
22
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
dalam laba rugi sama dengan jumlah recognized in profit or loss is the same
yang akan diakui dalam laba rugi jika as the amount to be recognized in
aset keuangan diukur pada biaya profit or loss if the financial asset is
perolehan diamortisasi. measured at amortized cost.
c. Aset keuangan pada nilai wajar c. Financial assets at fair value
melalui laba rugi through profit or loss
Aset dinilai pada nilai wajar. Seluruh Assets are valued at fair value. All
keuntungan dan kerugian yang timbul gains and losses arising from changes
akibat perubahan nilai wajar diakui in fair value are recognized in profit or
pada laporan laba rugi, kecuali loss, except for hedging instruments
instrumen lindung nilai yang ditetapkan that are designated in certain hedging
ke dalam hubungan lindung nilai relationships.
tertentu.
Bank menerapkan persyaratan penurunan The Bank applies an impairment
nilai untuk aset keuangan yang diukur requirement for financial assets measured
pada biaya perolehan diamortisasi dan at amortized cost and financial assets in
aset keuangan dalam bentuk instrumen the form of debt instruments that are
utang yang diukur pada nilai wajar melalui measured at fair value through other
penghasilan komprehensif lain. comprehensive income.
Investasi dalam instrumen ekuitas yang Investment in equity instruments that do
tidak memiliki harga kuotasian di pasar not have a quoted market price in an
aktif dan nilai wajarnya tidak dapat diukur active market and whose fair value cannot
secara andal diukur pada biaya perolehan. be reliably measured are measured at
cost.
Setelah pengakuan awal, Bank mengukur After initial recognition, the Bank
liabilitas keuangan, sesuai dengan measures financial liabilities, according to
klasifikasi aset keuangan pada: the classification of financial assets at:
a. Biaya perolehan diamortisasi; atau a. Amortized cost; or
b. Nilai wajar melalui laba rugi. b. Fair value through profit or loss.
Untuk liabilitas keuangan yang diukur For financial liabilities measured at profit
pada laba rugi, keuntungan dan kerugian or loss, gains and losses are recognized in
diakui pada laba rugi. Terdapat profit or loss. There are exceptions in the
pengecualian pada kasus liabilitas case of financial liabilities designated as
keuangan ditetapkan sebagai FVTPL FVTPL where changes in credit liability
dimana perubahan risiko kredit liabilitas risks are recognized in other
diakui pada penghasilan komprehensif lain comprehensive income with other gains
dengan keuntungan dan kerugian lainnya and losses recognized in profit or loss.
diakui pada laba rugi.
Setelah pengakuan awal, liabilitas After initial recognition, financial liabilities
keuangan yang diukur pada FVTPL diukur at FVTPL are measured at its fair value.
pada nilai wajarnya. Keuntungan atau Gains or losses arising from a change in
kerugian yang timbul dari perubahan nilai the fair value are recognized in profit or
wajar diakui dalam laba rugi. loss.
(iv) Penghentian pengakuan (iv) Derecognition
Bank menghentikan pengakuan aset The Bank derecognizes a financial asset
keuangan pada saat hak kontraktual atas when the contractual rights to the cash
arus kas yang berasal dari aset keuangan flows from the financial asset expire, or
tersebut kedaluwarsa, atau pada saat Bank when the Bank transfers the rights to
mentransfer seluruh hak untuk menerima receive the contractual cash flows on the
arus kas kontraktual dari aset keuangan financial asset in a transaction in which
dalam transaksi dimana Bank secara substantially all the risks and rewards of
23
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
substansial telah mentransfer seluruh ownership of the financial asset are
risiko dan manfaat atas kepemilikan aset transferred. Any interest in transferred
keuangan yang ditransfer. Setiap hak atau financial assets that is created or retained
liabilitas atas aset keuangan yang by the Bank is recognized as a separate
ditransfer yang timbul atau yang masih asset or liability.
dimiliki oleh Bank diakui sebagai aset atau
liabilitas secara terpisah.
Bank menghentikan pengakuan liabilitas The Bank derecognizes a financial liability
keuangan pada saat liabilitas yang when its contractual obligations are
ditetapkan dalam kontrak dilepaskan atau discharged or cancelled or expired.
dibatalkan atau kedaluwarsa.
Dalam transaksi dimana Bank secara In transactions in which the Bank neither
substansial tidak memiliki atau tidak retains nor transfers substantially all the
mentransfer seluruh risiko dan manfaat risks and rewards of ownership of a
atas kepemilikan aset keuangan, Bank financial asset, the Bank derecognizes the
menghentikan pengakuan aset tersebut asset if it does not retain control over the
jika Bank tidak lagi memiliki pengendalian asset. The rights and obligations retained
atas aset tersebut. Hak dan kewajiban in the transfer are recognized separately
yang timbul atau yang masih dimiliki as assets and liabilities as appropriate. In
dalam transfer tersebut diakui secara transfers in which control over the asset is
terpisah sebagai aset atau liabilitas. retained, the Bank continues to recognize
Dalam transfer dimana pengendalian atas the asset to the extent of its continuing
aset masih dimiliki, Bank tetap mengakui involvement, determined by the extent to
aset yang ditransfer tersebut sebesar which it is exposed to changes in the value
keterlibatan berkelanjutan, dimana tingkat of the transferred asset.
keberlanjutan Bank dalam aset yang
ditransfer adalah sebesar perubahan nilai
aset yang ditransfer.
Bank menghapusbukukan saldo kredit dan The Bank writes off credit balances and
efek utang untuk tujuan investasi, dan debt securities for investment purposes,
cadangan kerugian penurunan nilai terkait, and any related allowance for impairment
pada saat Bank menentukan bahwa kredit losses, when the Bank determines that the
atau efek-efek tersebut tidak dapat ditagih. loan or security is uncollectible. This
Keputusan ini diambil setelah determination is reached after considering
mempertimbangkan informasi seperti telah information such as the occurrence of
terjadinya perubahan signifikan pada significant changes in the
posisi keuangan debitur/penerbit sehingga borrowers/issuers financial position such
debitur/penerbit tidak lagi dapat melunasi that the borrower/issuer can no longer pay
liabilitasnya, atau hasil penjualan agunan the obligation, or that proceeds from
tidak akan cukup untuk melunasi seluruh collateral will not be sufficient to pay back
ekposur kredit yang diberikan. the entire exposure.
(v) Saling hapus (v) Offsetting
Aset keuangan dan liabilitas keuangan Financial assets and financial liabilities are
saling hapus dan nilai netonya dilaporkan offset and the net amount is reported in
di laporan posisi keuangan jika, dan hanya the statement of financial position if, and
jika, saat ini terdapat hak yang only if, there is currently an enforceable
berkekuatan hukum untuk saling hapus legal rights to offset the recognized
jumlah keduanya dan terdapat intensi amounts and there is an intention to settle
untuk diselesaikan secara neto, atau untuk on a net basis, or to realize the assets and
merealisasikan aset dan menyelesaikan settle the liabilities simultaneously.
liabilitas secara bersamaan.
Hak yang berkekuatan hukum berarti: Enforceable right means:
a. tidak terdapat kontinjensi di masa a. there are no contingencies in the
yang akan datang, dan future, and
24
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
b. hak yang berkekuatan hukum pada b. enforceable right to the following
kondisi-kondisi berikut ini: conditions;
i. kegiatan bisnis normal; i. deploying normal activities;
ii. kondisi kegagalan usaha; dan ii. conditions of business failures; and
iii. kondisi gagal bayar atau bangkrut. iii. conditions of default or bankruptcy.
Pendapatan dan beban disajikan dalam Income and expenses are presented on a
jumlah bersih hanya jika diperkenankan net basis only when permitted by
oleh standar akuntansi. accounting standards.
(vi) Pengukuran biaya diamortisasi (vi) Amortized cost measurement
Biaya perolehan diamortisasi dari aset The amortized cost of a financial asset or
atau liabilitas keuangan adalah jumlah liability is the amount at which the financial
aset atau liabilitas keuangan yang diukur asset or liability is measured at initial
pada saat pengakuan awal dikurangi recognition, minus principal repayments,
pembayaran pokok, ditambah atau plus or minus the cumulative amortization
dikurangi dengan amortisasi kumulatif using the effective interest method of any
dengan menggunakan metode suku difference between the initial amount
bunga efektif yang dihitung dari selisih recognized and the maturity amount, less
antara nilai awal dan nilai jatuh temponya, allowance for impairment losses.
dan dikurangi cadangan kerugian
penurunan nilai.
(vii) Pengukuran nilai wajar (vii) Fair value measurement
Nilai wajar adalah harga yang akan Fair value is the price that would be
diterima untuk menjual suatu aset atau received to sell an asset or paid to transfer
harga yang akan dibayar untuk a liability in an orderly transaction between
mengalihkan suatu liabilitas dalam market participants at the measurement
transaksi teratur antara pelaku pasar pada date.
tanggal pengukuran.
Pengukuran nilai wajar mengasumsikan The fair value measurement is based on
bahwa transaksi untuk menjual aset atau the presumption that the transaction to sell
mengalihkan liabilitas terjadi: the asset or transfer the liability takes
place either:
- Di pasar utama untuk aset dan liabilitas - In the primary market for the asset and
tersebut; atau liability; or
- Jika tidak terdapat pasar utama, dipasar - In the absence of a primary market, in
yang paling menguntungkan untuk aset the most advantageous market for the
atau liabilitas tersebut. asset or liability.
Nilai wajar suatu aset atau liabilitas diukur The fair value of an asset or a liability is
menggunakan asumsi yang akan measured using the assumptions that
digunakan pelaku pasar ketika market participants would use when
menentukan harga aset dan liabilitas pricing the asset or liability, assuming that
tersebut dengan asumsi bahwa pelaku market participants act in their economic
pasar bertindak dalam kepentingan best interest.
ekonomik terbaiknya.
Pengukuran nilai wajar aset non- A fair value measurement of a non-
keuangan memperhitungkan kemampuan financial asset takes into account a market
pelaku pasar untuk menghasilkan manfaat participant's ability to generate economic
ekonomik dengan menggunakan aset benefits by using the asset in its highest
dalam penggunaan tertinggi dan and best use or by selling it to another
terbaiknya atau dengan menjualnya market participant that would use the
kepada pelaku pasar lain yang akan asset in its highest and best use.
menggunakan aset tersebut dalam
penggunaan tertinggi dan terbaiknya.
25
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Bank menggunakan teknik penilaian yang The Bank uses valuation techniques that
sesuai dalam keadaan dan dimana data are appropriate in the circumstances and
yang memadai tersedia untuk mengukur for which sufficient data are available to
nilai wajar, memaksimalkan penggunaan measure fair value, maximizing the use of
input yang dapat diobservasi yang relevan relevant observable inputs and minimizing
dan meminimalkan penggunaan input the use of unobservable inputs.
yang tidak dapat diobservasi.
Semua aset dan liabilitas dimana nilai All assets and liabilities for which fair value
wajar diukur atau diungkapkan dalam is measured or disclosed in the financial
laporan keuangan dapat dikategorikan statements are categorized within the fair
pada level hierarki nilai wajar, berdasarkan value hierarchy, described as follows,
tingkatan input terendah yang signifikan based on the lowest level input that is
atas pengukuran nilai wajar secara significant to the fair value measurement
keseluruhan: as a whole:
- Level 1 : - Level 1 :
harga kuotasian (tanpa penyesuaian) di quoted (unadjusted) market prices in
pasar aktif untuk aset atau liabilitas active markets for identical assets or
yang identik; liabilities;
- Level 2 : - Level 2 :
input selain harga kuotasian yang inputs other than quoted prices
termasuk dalam Level 1 yang dapat included within Level 1 that are
diobservasi untuk aset dan liabilitas observable for the asset or liability
baik secara langsung (misalnya, harga) either directly (example, price) or
atau secara tidak langsung; indirectly;
- Level 3 : - Level 3 :
input untuk aset dan liabilitas yang inputs for the asset and liability that
bukan berdasarkan data pasar yang are not based on observable market
dapat diobservasi (input yang tidak data (unobservable inputs).
dapat diobservasi).
Untuk aset dan liabilitas yang diakui pada For assets and liabilities that are
laporan keuangan secara berulang, Bank recognized in the financial statements on a
menentukan apakah terjadi transfer antara recurring basis, the Bank determines
level di dalam hierarki dengan cara whether transfers have occurred between
mengevaluasi kategori (berdasarkan input levels in the hierarchy by re-assessing
level terendah yang signifikan dalam categorization (based on the lowest level
pengukuran nilai wajar) setiap akhir input that is significant to the fair value
periode pelaporan. measurement as a whole) at the end of
each reporting period.
(viii) Reklasifikasi Instrumen Keuangan (viii) Reclassification of Financial Instruments
Bank mereklasifikasi aset keuangan jiika The Bank reclassifies financial assets if
dan hanya jika, model bisnis untuk and only if, the business model for
pengelolaan aset keuangan berubah. managing financial assets changes.
Reklasifikasi aset keuangan dari klasifikasi Reclassifications of financial assets from
biaya perolehan yang diamortisasi ke amortized cost classifications to fair value
klasifikasi nilai wajar melalui laba rugi through profit or loss are recorded at fair
dicatat sebesar nilai wajarnya. Selisih value. The difference between the
antara nilai tercatat dengan nilai wajar recorded value and fair value is
diakui sebagai keuntungan atau kerugian recognized in profit or loss on the
pada laba rugi. statement of profit or loss and other
comprehensive income.
Reklasifikasi aset keuangan dari klasifikasi Reclassifications of financial assets from
biaya perolehan yang diamortisasi ke amortized cost classifications to fair value
klasifikasi nilai wajar melalui penghasilan classifications through other
komprehensif lain dicatat sebesar nilai comprehensive are recorded at their fair
wajarnya. values.
26
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
nilai wajar melalui penghasilan fair value classification through other
komprehensif lain ke klasifikasi nilai wajar comprehensive income to fair value
melalui laba rugi dicatat pada nilai wajar. classification through profit or loss is
Keuntungan atau kerugian yang belum recorded at fair value. Unrealized gains or
direalisasi direklasifikasi ke laba rugi. losses are reclassified to profit or loss.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
nilai wajar melalui penghasilan fair value classifications through other
komprehensif lain ke klasifikasi biaya comprehensive income to the amortized
perolehan yang diamortisasi dicatat pada cost classification is recorded at carrying
nilai tercatat. Keuntungan atau kerugian value. Unrealized gains or losses is
yang belum direalisasi dihapus dari removed from equity and adjusted against
ekuitas dan disesuaikan terhadap nilai the fair value.
wajar.
Reklasifikasi aset keuangan dari klasifikasi Reclassifications of financial assets from
nilai wajar melalui laba rugi ke klasifikasi fair value classification through profit or
nilai wajar melalui penghasilan loss to fair value classification through
komprehensif lain dicatat pada nilai wajar. other comprehensive income are recorded
at fair value.
Reklasifikasi aset keuangan dari klasifikasi Reclassification of financial assets from
nilai wajar melalui laba rugi ke klasifikasi fair value classification through profit or
biaya perolehan yang diamortisasi dicatat loss to amortized cost classification is
pada nilai wajar. recorded at fair value.
2.d. Kas 2.d. Cash
Kas meliputi kas kecil dan kas besar. Cash includes petty cash and cash.
2.e. Giro pada Bank Indonesia dan bank lain 2.e. Current accounts with Bank Indonesia and
other banks
Giro pada Bank Indonesia dan bank lain The current accounts with Bank Indonesia and
diklasifikasikan sebagai biaya perolehan yang other banks are classified as amortized cost and
diamortisasi dan dinyatakan sebesar biaya stated at amortized cost using the effective
perolehan diamortisasi menggunakan metode interest rate (EIR) method as disclosed in
suku bunga efektif (EIR) sebagaimana Note 2c.
diungkapkan dalam Catatan 2c.
2.f. Penempatan pada Bank Indonesia dan bank 2.f. Placements with Bank Indonesia and other
lain banks
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia and other
lain merupakan penempatan call money, banks consist of call money, Bank Indonesia
Fasilitas Simpanan Bank Indonesia dan Deposit Facilities and time deposits.
deposito berjangka.
Penempatan pada Bank Indonesia dinyatakan Placements with Bank Indonesia are stated at
sebesar saldo penempatan dikurangi dengan the outstanding balances, less unearned
pendapatan bunga yang ditangguhkan. interest income.
Penempatan pada Bank Indonesia dan bank The placements with Bank Indonesia and other
lain diklasifikasikan sebagai biaya perolehan banks are classified as amortized cost which are
diamortisasi yang dinyatakan sebesar biaya stated at amortized cost using the effective
perolehan diamortisasi menggunakan metode interest rate (EIR) method.
suku bunga efektif (EIR).
2.g. Efek-efek 2.g. Securities
Efek-efek terdiri dari obligasi korporasi dan Securities consist of corporate bonds and
obligasi Republik Indonesia. Republic of Indonesia Bonds.
27
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Pada saat pengakuan awal, efek-efek dicatat At initial recognition, marketable securities are
sesuai dengan kategorinya yaitu aset recorded according to their category, i.e.,
keuangan diklasifikasikan pada biaya amortized cost, fair value through other
perolehan diamortisasi, nilai wajar melalui comprehensive income, or at fair value through
penghasilan komprehensif lain, atau nilai wajar profit or loss.
melalui laba rugi.
Pengukuran efek-efek didasarkan atas The measurement of securities are based on
klasifikasinya sebagai berikut: the classification of the securities as follows:
Aset keuangan yang diukur pada nilai wajar Financial assets measured at fair value
melalui penghasilan komprehensif lain. through other comprehensive income.
Efek-efek yang diklasifikasikan sebagai dinilai Marketable securities which are classified
pada nilai wajar melalui penghasilan under fair value through other comprehensive
komprehensif lain dinyatakan pada nilai wajar. income investments are stated at fair value.
Pendapatan bunga diakui dalam laba rugi Interest income is recognized in the profit or
menggunakan metode suku bunga efektif. loss using the effective interest method.
Laba atau rugi selisih kurs atas surat-surat Foreign exchange gains or losses on securities
berharga diakui pada laba rugi. are recognized in the profit or loss.
Perubahan nilai wajar lainnya diakui langsung Other fair value changes are recognized
dalam ekuitas sampai surat-surat berharga directly in equity until the securities is sold or
dijual atau mengalami penurunan nilai, dimana impaired, whereby the cumulative gains and
akumulasi keuntungan dan kerugian yang losses previously recognized in the equity are
sebelumnya diakui dalam ekuitas diakui dalam recognized in the profit or loss.
laba rugi.
2.h. Efek-efek yang Dibeli dengan Janji Dijual 2.h. Securities Purchased under Resell
Kembali dan Efek-efek yang Dijual dengan Agreements and Securities Sold under
Janji Dibeli Kembali Repurchased Agreements
Efek-efek yang dibeli dengan janji dijual Securities purchased under resell agreements
kembali diklasifikasikan sebagai biaya are classified as amortized cost.
perolehan yang diamortisasi.
Efek-efek yang dibeli dengan janji dijual Securities purchased under resell agreements
kembali disajikan sebagai aset dalam laporan are presented as assets in the statement of
posisi keuangan sebesar jumlah penjualan financial position, at the resale price net of
kembali dikurangi dengan pendapatan bunga unamortized interest income and allowance for
yang belum diamortisasi dan cadangan impairment losses.
kerugian penurunan nilai.
Selisih antara harga beli dan harga jual kembali The difference between the purchase price and
diperlakukan sebagai pendapatan bunga yang the resale price is treated as unearned interest
ditangguhkan, dan diakui sebagai pendapatan income and recognized as income over the
selama periode sejak efek-efek tersebut dibeli period starting from when those securities are
hingga dijual menggunakan suku bunga efektif. purchased until they are sold using effective
interest rate method.
Efek-efek yang dijual dengan janji dibeli Securities sold under repurchased agreements
kembali diklasifikasikan sebagai liabilitas are classified as financial liabilities measured at
keuangan yang diukur dengan biaya perolehan amortized cost.
diamortisasi.
Efek-efek yang dijual dengan janji dibeli Securities sold under repurchased agreements
kembali yang dimiliki terdiri dari Surat consists of Treasury Bills.
Perbendaharaan Negara (SPN).
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Efek-efek yang dijual dengan janji dibeli Securities sold under repurchased agreements
kembali disajikan sebagai liabilitas dalam are presented as liabilities in the statement of
laporan posisi keuangan sebesar harga financial position at the agreed repurchase
pembelian kembali yang disepakati dikurangi price less unamortized unpaid interest. The
dengan bunga dibayar di muka yang belum difference between the agreed selling price and
diamortisasi. Selisih antara harga jual dan repurchase price is treated as interest expense
harga beli kembali yang disepakati payable and recognized as interest expense
diperlakukan sebagai beban bunga dibayar di over the period from the time the securities are
muka dan diakui sebagai beban bunga selama sold until they are repurchased using the
jangka waktu sejak efek-efek tersebut dijual effective interest rate method.
hingga dibeli kembali dengan menggunakan
metode suku bunga efektif.
Efek-efek yang dijual dengan janji untuk dibeli Securities sold under repurchased agreements
kembali diklasifikasikan sebagai liabilitas are classified as financial liabilities at amortized
keuangan yang diukur dengan biaya perolehan cost.
diamortisasi.
2.i. Provisi dan kontinjensi 2.i. Provisions and contingencies
Provisi diakui jika Bank memiliki kewajiban kini Provisions are recognized when the Bank has a
(baik bersifat hukum maupun bersifat present obligation (legal or constructive) where,
konstruktif) yang akibat peristiwa masa lalu as a result of a past event, it is probable that an
besar kemungkinannya penyelesaian kewajiban outflow of resources embodying economic
tersebut mengakibatkan arus keluar sumber benefits will be required to settle the obligation
daya yang mengandung manfaat ekonomi dan and a reliable estimate can be made of the
estimasi yang andal mengenai jumlah amount of the obligation.
kewajiban tersebut dapat dibuat.
Provisi ditelaah pada setiap tanggal pelaporan Provisions are reviewed at each reporting date
dan disesuaikan untuk mencerminkan estimasi and adjusted to reflect the current best
terbaik yang paling kini. Jika kemungkinan estimate. If it is no longer probable that an
besar tidak terjadi arus keluar sumber daya outflow of resources embodying economic
yang mengandung manfaat ekonomi untuk benefits will be required to settle the obligation,
menyelesaikan liabilitas tersebut, maka provisi the provision is reversed.
dibatalkan.
Aset dan kewajiban kontinjensi tidak diakui Contingent assets and liabilities are not
dalam laporan keuangan. Liabilitas kontinjensi recognized in the financial statements.
diungkapkan dalam laporan keuangan, kecuali Contingent liabilities are disclosed in the
kemungkinan arus keluar sumber daya yang financial statements, unless the possibility of an
mewujudkan manfaat ekonomi bersifat kecil. outflow of resources embodying economic
Aset kontinjensi diungkapkan dalam laporan benefits is remote. Contingent assets are
keuangan di mana kemungkinan besar terjadi disclosed in the financial statements where
arus masuk manfaat ekonomi. inflow of economic benefits is probable.
2.j. Kredit yang diberikan 2.j. Loans
Kredit yang diberikan pada awalnya diukur Loans are initially measured at fair value plus
pada nilai wajar ditambah biaya transaksi yang incremental transaction costs which can be
dapat diatribusikan secara langsung dan directly attributable and are additional costs to
merupakan biaya tambahan untuk memperoleh obtain those financial assets, and subsequently
aset keuangan tersebut, dan setelah measured at their amortized cost using the
pengakuan awal diukur pada biaya perolehan effective interest method. Allowance for
diamortisasi dengan menggunakan metode impairment losses is assessed if there is an
suku bunga efektif. Cadangan kerugian atas indication of impairment using the impairment
penurunan nilai dilakukan bila terdapat bukti methodology as disclosed in Note 2k.
objektif penurunan nilai dengan menggunakan
metodologi penurunan nilai sebagaimana
diungkapkan dalam Catatan 2k.
29
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Kredit yang diberikan dihapusbukukan ketika Loans are written-off when there are no realistic
tidak terdapat prospek yang realistis mengenai prospects of collection or when the Banks
pengembalian pinjaman atau hubungan normal normal relationship with the collateralized
antara Bank dan debitur dengan jaminan telah borrowers has ceased to exist. When loans are
berakhir. Pinjaman yang tidak dapat dilunasi deemed uncollectible, they are written-off
dihapusbukukan dengan mendebit cadangan against the related allowance for impairment
kerugian penurunan nilai. Pelunasan kemudian losses. Subsequent recoveries of loans written-
atas pinjaman yang telah dihapusbukukan off are credited to the allowance for impairment
sebelumnya, dikreditkan ke cadangan kerugian losses from loans in the statement of financial
penurunan nilai pinjaman di laporan posisi position.
keuangan.
Restrukturisasi kredit Loan restructuring
Restrukturisasi kredit meliputi modifikasi Loan restructuring may involve a modification of
persyaratan kredit, konversi kredit menjadi the terms of the loans, conversion of loans into
saham atau instrumen keuangan lainnya equity or other financial instruments and/or a
dan/atau kombinasi dari keduanya. combination of both.
Kerugian yang timbul dari restrukturisasi kredit Losses on loan restructuring in respect of
yang berkaitan dengan modifikasi persyaratan modification of the terms of the loans are
kredit diakui bila nilai tunai penerimaan kas recognized only if the cash value of total future
masa depan yang telah ditentukan dalam cash receipt specified in the new terms of the
persyaratan kredit yang baru, termasuk loan, including both receipt designated as
penerimaan yang diperuntukan sebagai bunga interest and those designated as loan principal,
maupun pokok, adalah lebih kecil dari nilai are less than the recorded amounts of loans
kredit yang diberikan yang tercatat sebelum before restructuring.
restrukturisasi.
Untuk restrukturisasi kredit bermasalah dengan For non-performing restructured loan which
cara konversi kredit yang diberikan menjadi involves a conversion of loan into equity or
saham atau instrumen keuangan lainnya, other financial instrument, a loss on loan
kerugian dari restrukturisasi kredit diakui hanya restructuring is recognized only if the fair value
apabila nilai wajar penyertaan saham atau of the equity investment or other financial
instrumen keuangan yang diterima dikurangi instrument received, reduced by estimated
estimasi biaya untuk menjualnya, adalah costs to sell the equity or other financial
kurang dari nilai tercatat kredit yang diberikan. instrument, is less than the carrying value of the
loan.
2.k. Penurunan nilai aset keuangan dan non- 2.k. Impairment of financial and non-financial
keuangan assets
i. Penurunan nilai aset keuangan i. Impairment of financial assets
Bank mengakui penyisihan kerugian kredit The Bank recognizes the allowance for
ekspektasian pada instrumen keuangan expected credit losses on the financial
yang tidak diukur pada nilai wajar melalui instrument the are not measured at fair
laba rugi. value through profit or loss.
Tidak ada penyisihan kerugian kredit There is no allowance for expected credit
ekspektasian pada investasi instrumen losses on investment in equity instruments.
ekuitas.
Bank mengukur cadangan kerugian The Bank measure the allowance for losses
sejumlah kerugian ekspektasian sepanjang for the lifetime of an expected credit losses,
umurnya, kecuali untuk hal berikut, diukur expected credit losses, except for the
sejumlah kerugian kredit ekspetaksian 12 following, which are measured according to
bulan: 12 months expected credit losses:
30
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
- instrumen utang yang memiliki risiko kredit - debt instruments that have low credit risk at
rendah pada tanggal pelaporan; dan the reporting date; and
- instrumen keuangan lainnya yang risiko - other financial instruments for which credit
kreditnya tidak meningkat secara signifikan risk has not increased significantly since
sejak pengakuan awal. initial recognition.
Bank menganggap instrumen utang The Bank considers debt instruments to
memiliki risiko kredit yang rendah ketika have low credit risk when the credit risk
peringkat risiko kreditnya setara dengan rating is at par with the globally understood
definisi investment grade yang dipahami definition of investment grade.
secara global.
Pengukuran Kerugian Kredit Measurement of Expected Credit Losses
Ekspektasian
Kerugian Kredit Ekspektasian (KKE) adalah Expected Credit Loss (ECL) is an estimate
estimasi probabilitas tertimbang dari of the weighted probability of a credit loss
kerugian kredit yang diukur sebagai berikut: measured as follows:
- Aset keuangan yang tidak memburuk pada - Financial assets that do not deteriorate at
tanggal pelaporan, kerugian kredit the reporting date, the expected credit loss
ekspektasian diukur sebesar selisih antara is measured at the difference between the
nilai kini dari seluruh kekurangan kas (yaitu present value of all cash shortages (i.e. the
selisih antara arus kas yang terutang difference between the cash flows owed to
kepada Bank sesuai dengan kontrak dan the Bank in accordance with the contract
arus kas yang diperkirakan akan diterima and the cash flows expected to be
oleh Bank); received by the Bank);
- Aset keuangan yang memburuk pada - Financial assets that deteriorate at the
tanggal pelaporan, kerugian kredit reporting date, the expected credit loss is
ekspektasian diukur sebesar selisih antara measured at the difference between the
jumlah tercatat bruto dan nilai kini arus kas gross carrying amount and the present
masa depan yang diestimasi; value of estimated future cash flows;
- Komitmen pinjaman yang belum ditarik, - For undisbursed loan commitments,
kerugian kredit ekspektasian diukur expected credit losses are measured at
sebesar selisih antara nilai kini jumlah the difference between the present value
arus kas jika komitmen ditarik dan arus of the amount of cash flow if the
kas yang diperkirakan akan diterima oleh commitments is withdrawn and the cash
Bank; flow expected to be received by the Bank;
- Kontrak jaminan keuangan, kerugian kredit - For financial guarantee contracts,
ekspektasian diukur sebesar selisih antara expected credit losses are measured at
pembayaran yang diperkirakan untuk the difference between the estimated
mengganti pemegang atas kerugian kredit payments to replace the holder for the
yang terjadi dikurangi jumlah yang credit losses incurred less the amount
diperkirakan dapat dipulihkan. estimated to be recoverable.
Bank mengklasifikasikan kredit yang The Bank classifed the loans into 3 stages
diberikan menjadi 3 tahap/stage sesuai in accordance with its significant increase in
dengan peningkatan risiko kredit secara credit risk since their initial recognition.
signifikan sejak pengakuan awalnya.
Kerugian Kredit Ekspektasian 12 Bulan 12 Months Expected Credit Losses
(Stage 1) (Stage 1)
KKE diakui pada saat pengakuan awal ECL are recognized at the time of initial
instrumen keuangan dan recognition of a financial instrument and
merepresentasikan kekurangan kas represent the lifetime cash shortfalls arising
sepanjang umur aset yang timbul dari from possible default events up to 12
kemungkinan gagal bayar di masa yang months into the future from the reporting
akan datang dalam kurun waktu 12 bulan date. ECL continue to be determined on this
sejak tanggal pelaporan. KKE terus basis until there is either a significant
ditentukan oleh dasar ini sampai timbul increase in the credit risk of an instrument
31
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
peningkatan risiko kredit yang signifikan or the instrument becomes credit-impaired. If
pada instrumen tersebut atau instrumen an instrument is no longer considered to
tersebut telah mengalami penurunan nilai exhibit a significant increase in credit risk,
kredit. Jika suatu instrumen tidak lagi ECL will revert to being determined on a 12
dianggap menunjukkan peningkatan risiko months basis.
kredit yang signifikan, maka KKE dihitung
kembali berdasarkan basis 12 bulan.
Peningkatan Risiko Kredit yang Significant Increase in Credit Risk
Signifikan (Stage 2) (Stage 2)
Jika aset keuangan mengalami peningkatan If a financial asset experiences a significant
risiko kredit yang signifikan (“SICR”) sejak increase in credit risk (“SICR”) since initial
pengakuan awal, kerugian kredit recognition, an expected credit loss
ekspektasian diakui atas kejadian gagal provision is recognized for default events that
bayar yang mungkin terjadi sepanjang umur may occur over the lifetime of the asset.
aset. Peningkatan signifikan dalam risiko Significant increase in credit risk is
kredit dinilai dengan membandingkan risiko assessed by comparing the risk of default of
gagal bayar atas eksposur pada tanggal an exposure at the reporting date to the risk
pelaporan dengan risiko gagal bayar saat of default at origination (after taking into
pengakuan awal (setelah memperhitungkan account the passage of time). Significant
perjalanan waktu dari akun tersebut). does not mean statistically significant nor is
Signifikan tidak berarti signifikan secara it assessed in the context of changes in
statistik, juga tidak dinilai dalam konteks ECL. Whether a change in the risk of default
perubahan dalam KKE. Perubahan atas is significant or not is assessed using a
risiko gagal bayar dinilai signifikan atau tidak, number of quantitative and qualitative
dinilai menggunakan sejumlah faktor factors, the weight of which depends on the
kuantitatif dan kualitatif, yang bobotnya type of product and counterparty. Financial
bergantung pada tipe produk dan pihak assets that are 30 days or more past due
lawan. Aset keuangan dengan tunggakan and not credit-impaired will always be
30 hari atau lebih dan tidak mengalami considered to have experienced a
penurunan nilai akan selalu dianggap telah significant increase in credit risk.
mengalami peningkatan risiko kredit yang
signifikan.
Eksposur yang Mengalami Penurunan Credit Impaired or Defaulted Exposures
Nilai Kredit atau Gagal Bayar (Stage 3) (Stage 3)
Aset hanya akan dianggap mengalami An asset is only considered credit impaired
penurunan nilai dan kerugian kredit and lifetime expected credit losses
ekspektasian sepanjang umurnya diakui, recognized, if there is observed objective
jika terdapat bukti objektif penurunan nilai evidence of impairment. These factors are
yang dapat diobservasi. Faktor-faktor yang similar to the indicators of objective
diobservasi ini serupa dengan indikator evidence of impairment under PSAK 71,
bukti objektif penurunan nilai pada PSAK which includes, amongst other factors,
71, termasuk antara lain aset gagal bayar assets in default or experiencing significant
atau mengalami kesulitan keuangan yang financial difficulty, or experiencing
signifikan atau mengalami forbearance atas forbearance on impaired credit.
kredit yang mengalami penurunan nilai.
Aset keuangan yang mengalami penurunan Financial assets that are credit impaired or
nilai kredit atau gagal bayar merupakan in default represent those that are at least
aset yang setidaknya telah memiliki 90 days past due in respect of principal
tunggakan lebih dari 90 hari atas pokok and/or interest. Financial assets are also
dan/atau bunga. Aset keuangan juga considered to be credit impaired where the
dianggap mengalami penurunan nilai kredit debtors are unlikely to pay on the
di mana debitur kemungkinan besar tidak occurrence of one or more observable
akan membayar dengan terjadinya satu events that have a detrimental impact on
atau lebih kejadian yang teramati yang the estimated future cash flows of the
memiliki dampak menurunkan jumlah financial asset. Loss provisions against
32
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
estimasi arus kas masa depan dari aset credit impaired financial assets are
keuangan tersebut. Cadangan kerugian determined based on an assessment of the
penurunan nilai terhadap aset keuangan recoverable cash flows under a range of
yang mengalami penurunan nilai ditentukan scenarios, including the realisation of any
berdasarkan penilaian terhadap arus kas collateral held where appropriate.
yang dapat dipulihkan berdasarkan
sejumlah skenario, termasuk realisasi
jaminan yang dimiliki jika memungkinkan.
Aset Keuangan yang Direstrukturisasi Restructured Financial Assets
Jika ketentuan aset keuangan If the terms of the financial assets are
dinegosiasikan ulang atau dimodifikasi atau renegotiated or modified or the existing
aset keuangan yang ada diganti dengan financial assets are replaced with new ones
yang baru karena kesulitan keuangan due to the borrower’s financial difficulties,
peminjam, maka dilakukan penilaian apakah an assessment is made whether recognition
aset keuangan yang ada harus dihentikan of existing financial assets must be
pengakuannya dan kerugian kredit derecognized and expected credit losses
ekspektasian diukur sebagai berikut: measured as follows:
- Jika restrukturisasi tidak mengakibatkan - If the restructuring does not result in the
penghentian pengakuan aset yang ada, termination of recognition of existing
maka arus kas yang diperkirakan yang assets, then the estimated cash flows
timbul dari aset keuangan yang dimodifikasi arising from the modified financial assets
dimasukkan dalam perhitungan are included in the calculation of cash
kekurangan kas dari aset yang ada; shortages of existing assets;
- Jika restrukturisasi akan menghasilkan - If the restructuring will result in a
penghentian pengakuan aset yang ada, derecognition of the existing assets, the
maka nilai wajar aset baru diperlakukan fair value of the new asset is treated as
sebagai arus kas akhir dari aset keuangan the final cash flow of the existing financial
yang ada pada saat penghentian assets at the time of derecognition. This
pengakuannya. Jumlah ini dimasukkan amount is included in the calculation of
dalam perhitungan kekurangan kas dari cash shortages from existing financial
aset keuangan yang ada yang assets which are discounted from the date
didiskontokan dari tanggal penghentian of derecognition to the reporting date
pengakuan ke tanggal pelaporan using the initial effective interest rate of the
menggunakan suku bunga efektif awal existing financial assets.
dari aset keuangan yang ada.
Bukti bahwa aset keuangan mengalami Evidence that financial assets become
penurunan nilai kredit (memburuk) termasuk credit impaired (deteriorated) including
data yang dapat diobservasi mengenai observable data regarding the following
peristiwa berikut ini: events:
- Kesulitan keuangan signifikan yang - Significant financial difficulties experienced
dialami penerbit atau pihak peminjam; by the issuer or the borrower;
- Pelanggaran kontrak, seperti peristiwa - Breach of contract, such as a default or
gagal bayar atau peristiwa tunggakan; arrears;
- Pihak pemberi pinjaman, untuk alasan - The lender, for economic or contractual
ekonomik atau kontraktual sehubungan reasons in relation to the financial
dengan kesulitan keuangan yang dialami difficulties experienced by the borrower,
pihak peminjam, telah memberikan konsesi has given concessions to the borrower
pada pihak peminjam yang tidak mungkin which is not possible if the borrower does
diberikan jika pihak peminjam tidak not experience such difficulties;
mengalami kesulitan tersebut;
- Terjadi kemungkinan bahwa pihak - It is probable that the borrower will enter
peminjam akan dinyatakan pailit atau bankruptcy or the other financial
melakukan reorganisasi keuangan lainnya; reorganization; or
atau
- Hilangnya pasar aktif dari aset keuangan - Loss of an active market for financial
akibat kesulitan keuangan; assets due to financial difficulties;
33
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
- Pembelian atau penerbitan aset keuangan - Purchase or issuance financial asset at
dengan diskon sangat besar yang significant discount which reflect the credit
mencerminkan kerugian kredit yang terjadi. loss that occurs.
Aset Keuangan yang Dibeli atau yang Purchased or originated credit-impaired
berasal dari aset keuangan yang financial assets – POCI
mengalami penurunan nilai
Aset keuangan dikategorikan sebagai POCI Financial assets are catergorized as POCI if
apabila terdapat bukti objektif penurunan there is objective evidence of impairment at
nilai pada saat pengakuan awal. Pada saat initial recognition. At initial recognition, no
pengakuan awal, tidak ada penyisihan allowance for credit losses is recognized
kerugian kredit yang diakui karena harga because the purchase price or value has
pembelian atau nilainya telah termasuk included lifetime estimated credit losses.
estimasi kerugian kredit sepanjang Furthermore, changes in lifetime credit
umurnya. Selanjutnya, perubahan kerugian losses, whether positive or negative, are
kredit sepanjang umurnya, apakah positif recognized in the statement of profit or loss
atau negatif, diakui dalam laporan laba rugi as part of the allowance for impairment
sebagai bagian dari cadangan kerugian losses.
penurunan nilai.
Penyajian Penyisihan Kerugian Kredit Presentation of Allowance for Expected
Ekspektasian Dalam Laporan Posisi Credit Losses in Statements of Financial
Keuangan Position
Penyisihan kerugian kredit ekspektasian Allowance for expected credit losses is
disajikan dalam laporan posisi keuangan presented in the statement of financial
sebagai berikut: positions as follows:
- Aset keuangan yang diukur pada biaya - Financial assets measured at amortized
perolehan diamortisasi, penyisihan cost, allowance for expected credit losses
kerugian kredit ekspektasian disajikan is presented as a deduction from the gross
sebagai pengurang dari jumlah tercatat carrying amount of the asset;
bruto aset;
- Komitmen pinjaman dan kontrak jaminan - Loan commitments and financial
keuangan, penyisihan kerugian kredit guarantee contracts, allowance for
ekspektasian disajikan sebagai provisi; expected credit losses is presented as a
provision;
- Instrumen utang yang diukur pada nilai - Debt instruments measured at fair value
wajar melalui penghasilan komprehensif through other comprehensive income,
lain, penyisihan kerugian kredit allowance for expected credit losses are
ekspektasian tidak diakui dalam laporan not recognized in the statement of
posisi keuangan karena jumlah tercatat dari financial position because the carrying
aset-aset ini adalah nilai wajarnya. Namun amounts of these assets are at their fair
demikian penyisihan kerugian kredit values. However, allowance for expected
ekspektasian diungkapkan dan diakui credit losses is disclosed and recognized
dalam penghasilan komprehensif lain. in other comprehensive income.
Perhitungan penurunan nilai secara Individual impairment calculation
individual
Bank menetapkan pinjaman yang diberikan The Bank determines that loans should be
yang harus dievaluasi penurunan nilainya evaluated for impairment through individual
secara individual, jika memenuhi salah satu evaluation, if one of the following criterias is
kriteria di bawah: met:
- Kredit yang diberikan yang secara - Loans which individually have significant
individual memiliki nilai signifikan; atau value; or
- Kredit yang diberikan yang direstrukturisasi - Restructured loans which individually have
yang secara individual memiliki nilai significant value.
signifikan.
34
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Bank menetapkan kredit yang diberikan The Bank determines that loans should be
yang harus dievaluasi penurunan nilainya evaluated for impairment through individual
secara individual jika kredit yang diberikan evaluation if loans are classified as Stage 3
diklasifikasikan sebagai Stage 3 dan and considered individually significant. The
dianggap signifikan secara individual. Bank Bank assesses ECL by estimating the
menghitung KKE dengan mengestimasi arus expected future cash flow from the loans.
kas ekspektasian dari kredit yang diberikan.
Perhitungan penurunan nilai secara Collective impairment calculation
kolektif
Bank menetapkan kredit yang diberikan The Bank determines that loans should be
yang harus dievaluasi penurunan nilainya evaluated for impairment through individual
secara individual jika pinjaman yang evaluation if loans are classified as Stage 1,
diberikan diklasifikasikan sebagai Stage 1, Stage 2 and Stage 3 which are not
Stage 2 dan Stage 3 yang tidak dianggap considered collective significant. The Bank
signifikan secara kolektif. Bank menghitung assesses ECL using collective approach
KKE menggunakan pendekatan kolektif with the risk parameter modelling that
dengan model parameter risiko yang incorporates a number of key parameters,
menggunakan beberapa parameter utama, including the Probability of Default (“PD”),
antara lain Probability of Default (“PD”), Loss Given Default (“LGD”), Exposure at
Loss Given Default (“LGD”), Exposure at Default (“EAD”), and discount rate after
Default (“EAD”), dan tingkat diskonto setelah taking into consideration forward-looking
memperhitungkan informasi perkiraan masa information, including macroeconomic
depan, termasuk faktor makroekonomi. factors.
Bank menggunakan model yang kompleks The Bank primarily uses sophisticated
yang menggunakan matriks PD, LGD dan models that utilise the PD, LGD and EAD
EAD. metrics.
a. Probability of Default (”PD”) a. Probability of Default (“PD”)
Probabilitas yang timbul di suatu waktu The probability at a point in time that a
dimana debitur mengalami gagal bayar, counterparty will default, calibrated over
dikalibrasikan sampai dengan periode 12 up to 12 months from the reporting date
bulan dari tanggal laporan (Stage 1) atau (Stage 1) or over the lifetime of the
sepanjang umur (Stage 2 dan 3) dan product (Stage 2 and 3) and
digabungkan pada dampak asumsi incorporated to the impact of forward-
ekonomi masa depan yang memiliki looking economic assumptions that have
risiko kredit. PD diestimasikan pada an effect on credit risk. PD is estimated
point in time di mana hal ini berfluktuasi at a point in time that means it will
sejalan dengan siklus ekonomi. fluctuate in line with the economic cycle.
b. Loss Given Default (”LGD”) b. Loss Given Default (“LGD”)
Kerugian yang diperkirakan akan timbul The loss that is expected to arise on
dari debitur yang mengalami gagal bayar default, incorporating the impact of
dengan menggabungkan dampak dari relevant forward looking economic
asumsi ekonomi masa depan yang assumptions (if any), which represents
relevan (jika ada) di mana hal ini mewakili the difference between the contractual
perbedaan antara arus kas kontraktual cash flows due and those that the Bank
yang akan jatuh tempo dengan arus kas expects to receive. The Bank estimates
yang diharapkan untuk diterima. Bank LGD based on the historical recovery
mengestimasikan LGD berdasarkan data rates and considers the recovery of any
historis dari tingkat pemulihan dan collateral that is integral to the financial
memperhitungkan pemulihan yang assets, taking into account forward
berasal dari jaminan terhadap aset looking economic assumptions if
keuangan dengan mempertimbangkan relevant.
asumsi ekonomi di masa depan jika
relevan.
35
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
c. Exposure at Default (”EAD”) c. Exposure at Default (“EAD”)
Perkiraan nilai eksposur neraca pada The expected balance sheet exposure at
saat gagal bayar dengan the time of default, taking into account
mempertimbangkan bahwa perubahan that expected change in exposure over
ekspektasi yang diharapkan selama the lifetime of the exposure. This
masa eksposur. Hal ini menggabungkan incorporates the impact of drawdowns of
dampak penarikan fasilitas yang committed facilities, repayments of
committed, pembayaran pokok dan principal and interest, amortisation and
bunga, amortisasi dan pembayaran early payments, together with the impact
dipercepat, bersama dengan dampak of forward- looking economic
asumsi ekonomi masa depan jika assumptions if relevant.
relevan.
Untuk menentukan kerugian kredit To determine the expected credit loss, these
ekspektasian komponen-komponen ini akan components are multiplied together and
diperhitungkan secara bersama-sama dan discounted to the balance sheet date using
didiskontokan ke tanggal laporan keuangan the effective interest rate as the discount
menggunakan diskonto berdasarkan suku rate.
bunga efektif.
Penerimaan kembali atas aset keuangan Recoveries of written-off financial assets
yang telah dihapusbukukan
Ketika kredit yang diberikan tidak tertagih, When a loan is uncollectible, it is written-off
kredit yang diberikan tersebut dihapusbuku against the related allowance for impairment
dengan menjurnal balik cadangan kerugian loss. Such loans are written off after all the
penurunan nilai. Kredit yang diberikan necessary procedures have been
tersebut dihapusbuku setelah semua completed and the amount of the loss has
prosedur yang diperlukan telah dilakukan been determined.
dan jumlah kerugian telah ditentukan.
Penerimaan kembali atas aset keuangan The recoveries of written-off financial assets
yang telah dihapusbukukan pada tahun in the current year are credited by adjusting
berjalan dikreditkan dengan menyesuaikan the allowance for impairment losses
akun cadangan kerugian penurunan nilai. accounts. Recoveries of written-off financial
Penerimaan kembali atas aset keuangan assets from previous years are recorded as
yang telah dihapusbukukan pada tahun operational income other than interest
sebelumnya dicatat sebagai pendapatan income.
operasional selain pendapatan bunga.
ii. Penurunan nilai aset non-keuangan ii. Impairment of non-financial assets
Nilai tercatat dari aset yang bukan aset The carrying amounts of the Bank’s non-
keuangan Bank, kecuali aset pajak financial assets, other than deferred tax
tangguhan, ditelaah setiap tanggal assets, are reviewed at each reporting date
pelaporan untuk menentukan apakah to determine whether there is any indication
terdapat indikasi penurunan nilai. Jika of impairment. If any such indication exists
indikasi tersebut ada, maka nilai yang dapat then the asset’s recoverable amount will be
dipulihkan dari aset tersebut akan estimated.
diestimasi.
Nilai yang dapat diperoleh kembali dari The recoverable amount of an asset or cash
suatu aset atau unit penghasil kas adalah generating unit is the greater of its value in
sebesar jumlah yang lebih tinggi antara nilai use and its fair value less costs to sell. In
pakainya dan nilai wajar aset atau unit assessing value in use, the estimated future
penghasil kas dikurangi biaya untuk cash flows are discounted to their present
menjual. Dalam menilai nilai pakai, estimasi value using pre-tax discount rate that
arus kas masa depan didiskontokan ke nilai reflects current market assessments of the
sekarang dengan menggunakan tingkat time value of money and the risks specific to
diskonto sebelum pajak yang the asset.
mencerminkan penilaian pasar saat ini
terhadap nilai kas kini dan risiko spesifik
terhadap aset tersebut.
36
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Cadangan penurunan nilai diakui pada Allowance for impairment loss recognized in
tahun sebelumnya dinilai pada setiap prior year is assessed at each reporting
tanggal pelaporan untuk melihat adanya date for any indications that the loss has
indikasi bahwa kerugian telah menurun atau decreased or no longer exists. An
tidak ada lagi. Kerugian penurunan nilai impairment loss is reversed if there has
dijurnal balik jika terdapat perubahan been a change in the estimates used to
estimasi yang digunakan dalam determine the recoverable amount.
menentukan nilai yang dapat dipulihkan.
Cadangan kerugian penurunan nilai dijurnal Allowance for impairment losses is reversed
balik hanya hingga nilai tercatat aset tidak only to the extent that the asset’s carrying
melebihi nilai tercatat yang telah ditentukan, amount does not exceed the carrying
dikurangi dengan depresiasi atau amount that would have been determined,
amortisasi, jika cadangan penurunan nilai net of depreciation or amortization, if no
tidak pernah diakui. impairment loss had been recognized.
Bank tidak diwajibkan lagi untuk The Bank is not required to provide an
membentuk cadangan kerugian penurunan allowance for impairment losses for non-
nilai untuk aset non produktif, namun Bank productive assets, but the Bank should still
tetap harus menghitung cadangan kerugian calculate the impairment losses in
penurunan nilai mengacu pada standar accordance with the applicable accounting
akuntansi yang berlaku (lihat Catatan 15). standards (see Note 15).
2.l. Aset tetap, aset hak-guna dan liabilitas 2.l. Fixed assets, right-of-use assets and lease
sewa liabilities
Aset Tetap Fixed assets
Bank menerapkan kebijakan akuntansi model Bank applies revaluation model as accounting
revaluasi untuk aset tetap berupa tanah dan policy for land and buildings. For fixed assets
bangunan. Untuk aset tetap selain tanah dan other than land and buildings, it applies cost
bangunan menggunakan model biaya. model.
Tanah dan bangunan disajikan sebesar nilai Land and buildings are stated at fair value, less
wajar, dikurangi akumulasi penyusutan untuk subsequent depreciation for buildings.
bangunan. Akumulasi penyusutan pada Accumulated depreciation at the date of
tanggal revaluasi dieliminasi terhadap nilai revaluation is eliminated against the gross
tercatat bruto aset dan nilai netonya disajikan carrying amount of the asset and the net
kembali sebesar nilai revaluasian. amount is restated to the revalued amount.
Jika nilai wajar dari aset yang direvaluasi If the fair value of the revalued asset change
mengalami perubahan yang signifikan dan significantly, it is necessary to revaluate on an
fluktuatif, maka perlu direvaluasi secara annual basis, whereas if the fair value of the
tahunan, sedangkan jika nilai wajar dari aset revaluated asset does not change significantly,
yang direvaluasi tidak mengalami perubahan it is necessary to revaluate every 3 years,
yang signifikan dan fluktuatif, maka perlu taking the conditions of the related year into
dilakukan revaluasi setiap 3 tahun sekali, considerations.
dengan mempertimbangkan kondisi pada
tahun tersebut.
Kenaikan yang berasal dari revaluasi tanah Any revaluation increase arising on the
dan bangunan diakui pada penghasilan revaluation of land and buildings are
komprehensif lain dan terakumulasi dalam recognized in other comprehensive income and
ekuitas pada bagian surplus revaluasian, accumulated in equity under the heading of
kecuali sebelumnya penurunan revaluasi atas revaluation surplus, except to the extent that it
aset yang sama pernah diakui dalam laba rugi, reverses a revaluation decrease, for the same
dalam hal ini kenaikan revaluasi hingga assets which was previously recognized in the
sebesar penurunan nilai aset akibat revaluasi profit or loss, in which case the increase is
tersebut, dikreditkan dalam laba rugi. credited to the profit or loss to the extent of the
37
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Penurunan jumlah tercatat yang berasal dari decrease previously charged. A decrease in
revaluasi tanah dan bangunan dibebankan carrying amount arising on the revaluation of
dalam laba rugi apabila penurunan tersebut land and buildings are charged to the profit or
melebihi saldo surplus revaluasi aset yang loss to the extent that it exceeds the balance, if
bersangkutan, jika ada. any, held in fixed asset revaluation reserve
relating to a previous revaluation of land and
buildings.
Surplus revaluasi tanah dan bangunan yang The revaluation surplus of land and buildings
telah disajikan dalam ekuitas dipindahkan are directly transferred to retained earnings
langsung ke saldo laba pada saat aset tersebut when the asset is derecognized.
dihentikan pengakuannya.
Aset tetap, kecuali tanah dan bangunan, Fixed assets, except land and buildings, are
dinyatakan sebesar biaya perolehan dikurangi stated at cost less accumulated depreciation
akumulasi penyusutan dan rugi penurunan and impairment losses. If the recognition
nilai. Biaya perolehan termasuk biaya criteria are met, the acquisition cost will include
penggantian bagian aset tetap saat biaya the cost of replacing part of the fixed assets
tersebut terjadi, jika memenuhi kriteria when that cost is incurred. Acquisition costs of
pengakuan. Biaya perolehan aset tetap diakui fixed assets is recognized as asset if, and only
sebagai aset jika dan hanya jika besar if it is probable that future economic benefits
kemungkinan manfaat ekonomis dimasa depan associated with the item will flow to the entity
berkenaan dengan aset tersebut mengalir ke and the cost of the item can be measured
entitas dan biaya perolehan aset dapat diukur reliably.
secara andal.
Beban pemeliharaan dan perbaikan The cost of maintenance and repairs are
dibebankan pada laba rugi pada saat charged to profit or loss as incurred. Other
terjadinya. Biaya-biaya lain yang terjadi costs incurred subsequently to add to, replace
selanjutnya yang timbul untuk menambah, part of or service an item of asset is recorded
mengganti atau memperbaiki aset dicatat as acquisition of asset if, and only if it is
sebagai biaya perolehan aset jika dan hanya probable that future economic benefits
jika besar kemungkinan manfaat ekonomis associated with the item will flow to the entity
dimasa depan berkenaan dengan aset tersebut and the cost of the item can be measured
mengalir ke entitas dan biaya perolehan aset reliably.
dapat diukur secara andal.
Aset tetap, kecuali tanah, disusutkan dengan Depreciation of fixed assets, except for land, is
menggunakan metode garis lurus (straight-line computed using the straight-line method for
method) untuk seluruh aset tetap selama umur fixed assets over the estimated useful life of
manfaat aset tetap yang diestimasi sebagai the assets, as follows:
berikut:
Tahun/Years
Bangunan 5-20 Buildings
Renovasi bangunan atau instalasi 1-10 Building renovations or installations
Kendaraan 5 Vehicles
Peralatan kantor 1-10 Office equipment
Masa manfaat ekonomis, nilai residu dan The estimated useful life, residual values and
metode penyusutan direviu setiap akhir periode depreciation method are reviewed at each
dan pengaruh dari setiap perubahan estimasi period end and the effect of any changes in
tersebut berlaku prospektif. estimating for on a prospective basis.
Untuk semua aset tetap, Bank menetapkan For all fixed assets, the Bank has determined
nilai residu nihil untuk perhitungan penyusutan. residual value to be nil for the calculation of
depreciation.
38
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Biaya pengurusan legal hak atas tanah dalam The legal cost of land rights in the form of
bentuk Hak Guna Bangunan (HGB) yang Building Usage Rights (HGB) incurred when the
dikeluarkan ketika tanah diperoleh pertama kali land was acquired initially are recognized as
diakui sebagai bagian dari biaya perolehan part of the cost of the land under “Fixed Assets”
tanah pada akun “Aset Tetap” dan tidak account and not amortized.
diamortisasi.
Biaya pengurusan perpanjangan atau The legal cost incurred to extend or renew the
pembaruan legal hak atas tanah diakui sebagai land rights are recorded as intangible assets
aset takberwujud dan diamortisasi sepanjang and amortized over the shorter of the rights’
umur hukum hak atau umur ekonomis tanah, legal life or land’s economic life.
mana yang lebih pendek.
Jumlah tercatat aset tetap dihentikan An item of fixed assets is derecognized upon
pengakuannya pada saat dilepaskan atau saat disposal or when no future economic benefits
tidak ada manfaat ekonomis masa depan yang are expected from its use or disposal. Any gain
diharapkan dari penggunaan atau or loss arising on derecognition of the asset
pelepasannya. Laba atau rugi yang timbul dari (calculated as the difference between the net
penghentian pengakuan aset (dihitung sebagai disposal proceeds and the carrying amount of
perbedaan antara jumlah neto hasil pelepasan the asset) is included in the profit or loss in the
dan nilai tercatat dari aset) dimasukkan dalam year the asset is derecognized.
laba rugi pada tahun aset tersebut dihentikan
pengakuannya.
Aset hak-guna dan liabilitas sewa Right-of-use assets and lease liabilities
Pada tanggal permulaan kontrak, Bank menilai At the inception of a contract, the Bank
apakah kontrak merupakan atau mengandung assesses whether the contract is or contains a
sewa. Suatu kontrak merupakan atau lease. A contract is or contains a lease if the
mengandung sewa jika kontrak tersebut contract carries the right to control the use of
memberikan hak untuk mengendalikan an identified assets for a period of time in
penggunaan aset identifikasian selama suatu exchange for consideration. The Bank can
jangka waktu untuk dipertukarkan dengan choose not to recognise the right-of-use asset
imbalan. Bank dapat memilih untuk tidak and lease liabilities for:
mengakui aset hak-guna dan liabilitas sewa
untuk:
• sewa dengan jangka waktu kurang atau • • leases with a term of less or equal to 12
sama dengan 12 bulan dan tidak terdapat months and there is no call option;
opsi beli;
• sewa atas aset dengan nilai rendah. • leases of low value assets.
Untuk menilai apakah kontrak memberikan hak To assess whether a contract carries the right
untuk mengendalikan penggunaan aset to control the use of an identified asset, the
identifikasian, Bank harus menilai apakah: Bank shall assess whether:
• Bank memiliki hak untuk mengoperasikan •• The Bank has the right to operate the
aset; dan assets; and
• Bank telah mendesain aset dengan cara • The Bank has designed the assets in a
menetapkan sebelumnya bagaimana dan way that predetermine how and for what
untuk tujuan apa aset akan digunakan purpose it will be used.
selama periode penggunaan.
Bank mengakui liabilitas sewa sebesar jumlah The Bank recognized lease liabilities at the
pembayaran sewa yang masih harus dibayar amount of lease payments accrued to the end
hingga akhir masa sewa yang didiskontokan of the lease term which discounted using the
dengan menggunakan suku bunga pinjaman incremental borrowing rate. While, the right-of-
inkremental. Sedangkan aset-hak guna use assets includes the amount of lease
mencakup jumlah liabilitas sewa yang diakui, liabilities recognized, initial direct costs paid,
biaya langsung awal yang dibayarkan, biaya restoration costs and lease payments on or
pemulihan dan pembayaran sewa yang before the start date of the lease, less lease
39
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
dilakukan pada atau sebelum tanggal mulai incentives received. Right-of-use are
sewa, dikurangi insentif sewa yang diterima. depreciated using the straight-line method over
Aset hak-guna disusutkan dengan metode the shorter period between the lease term and
garis lurus selama jangka waktu yang lebih the estimated useful life of the asset.
pendek antara masa sewa dengan estimasi
masa manfaat aset.
Jika kepemilikan aset sewa dialihkan ke Bank If the ownership of lease asset is transferred to
pada akhir masa sewa atau pembayaran sewa the Bank at the end of the lease term or the
mencerminkan pelaksanaan opsi pembelian, lease payments reflect the exercise of the
penyusutan dihitung menggunakan estimasi purchase option, depreciation is calculated
masa manfaat ekonomis aset. Aset hak-guna using the estimated useful life of the assets.
diuji penurunan nilainya sesuai dengan Right-of-use assets are tested for impairment in
PSAK 48 tentang “Penurunan Nilai Aset”. accordance with PSAK 48 regarding
“Impairment of Assets”.
Pada tanggal dimulainya sewa, Bank mengakui On the initial lease date, the Bank recognized
liabilitas sewa yang diukur pada nilai kini dari lease liabilities which measured at the present
pembayaran sewa masa depan yang akan value of future lease payments that will be paid
dibayarkan selama masa sewa. Pembayaran over the lease term. Lease payments include
sewa termasuk pembayaran tetap (termasuk fixed payments (including substantially fixed
pembayaran tetap secara substansi) dikurangi payments), less lease incentive receivables,
piutang insentif sewa, pembayaran sewa variable lease payments that depends on index
variabel yang bergantung pada indeks atau or interest rate, and the expected amount to be
suku bunga, dan jumlah yang diharapkan akan paid in a residual value guarantee. Lease
dibayar dalam jaminan nilai residu. payments also include the reasonable exercise
Pembayaran sewa juga termasuk harga price for the purchase option if it is determined
eksekusi opsi pembelian yang wajar jika to be made by the Bank and the payment of a
dipastikan akan dilakukan oleh Bank dan penalty to terminate the lease, if the lease term
pembayaran penalti untuk mengakhiri sewa, reflects the Bank exercising the lease
jika jangka waktu sewa mencerminkan Bank termination option. Variable lease payments
mengeksekusi opsi penghentian sewa. that are not depends on an index or interest
Pembayaran sewa variabel yang tidak rate are recognized as an expense in the
bergantung pada indeks atau suku bunga period in which the event or condition that
diakui sebagai beban pada periode di mana triggers the payment occurs.
peristiwa atau kondisi yang memicu
pembayaran terjadi.
Dalam menghitung nilai kini dari pembayaran In calculating the present value of lease
sewa, Bank menggunakan suku bunga payments, the Bank uses the lessee
pinjaman inkremental penyewa pada tanggal incremental borrowing rate at the inception date
dimulainya sewa karena suku bunga implisit of the lease since the interest rate implicit in the
dalam sewa tidak dapat ditentukan. Setelah lease cannot be determined. After the inception
tanggal dimulainya sewa, jumlah liabilitas sewa date of the lease, the amount of the lease
ditingkatkan untuk mencerminkan pertambahan liability is increased to reflect the interest
bunga dan dikurangi pembayaran sewa yang increase and less lease payments made.
dilakukan. Selain itu, jumlah tercatat liabilitas Furthermore, the lease liabilities carrying
sewa diukur kembali jika terdapat modifikasi, amount is remeasured if there are modifications,
perubahan jangka waktu sewa, perubahan changes in term of the lease, lease payments,
pembayaran sewa, atau perubahan dalam or the valuation of the option to purchase the
penilaian opsi untuk membeli aset pendasar. underlying asset.
Sewa jangka pendek (dengan jangka waktu Short-term leases (with term of less or equal to
kurang atau sama dengan 12 bulan) dan sewa 12 months) and leases of low-value assets, and
aset bernilai rendah, serta elemen-elemen elements of those leases, partially or entirely
sewa tersebut, sebagian atau seluruhnya tidak not applying the recognition principles
menerapkan prinsip-prinsip pengakuan yang stipulated by PSAK 73 will be treated the same
ditentukan oleh PSAK 73 akan diperlakukan as operating leases in PSAK 30. The Bank will
40
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
sama dengan sewa operasi pada PSAK 30. recognize these lease payments on a straight-
Bank akan mengakui pembayaran dengan line basis during the lease period on the
dasar garis lurus selama masa sewa dalam statement of the profit or loss and other
laporan laba rugi dan penghasilan comprehensive income. This expense is
komprehensif lain. Beban ini dicatat pada recorded under general and administrative
beban umum dan administrasi dalam laba rugi. expenses in profit or loss.
Penerapan pencatatan PSAK 73 berlaku untuk The recording implementation of PSAK 73 is
seluruh sewa (kecuali sebagaimana yang applied for all leases (except as stated earlier),
disebutkan sebelumnya), yaitu sebagai berikut: as follows:
a. Menyajikan aset hak-guna sebagai bagian a. Presents right-of-use assets as part of fixed
dari aset tetap dan liabilitas sewa disajikan assets and lease liabilities presented as part
sebagai bagian dari liabilitas lain-lain of other liabilities in the statement of
dalam laporan posisi keuangan, yang financial position which measured at the
diukur pada nilai kini dari pembayaran present value of the future lease payments;
sewa masa depan;
b. Mencatat penyusutan aset hak-guna dan b. Records depreciation of right-of-use assets
bunga atas liabilitas sewa dalam laba rugi; and interest on lease liabilities in the profit or
dan loss; and
c. Memisahkan jumlah total pembayaran ke c. Separates the total amount of cash paid
bagian pokok (disajikan dalam kegiatan within operating activities) in the statement
pendanaan) dan bunga (disajikan dalam of cash flows.
kegiatan operasional) dalam laporan arus
kas.
2.m. Aset takberwujud 2.m. Intangible assets
Aset takberwujud terdiri dari perangkat lunak Intangible assets consist of software acquired
yang dibeli Bank. by the Bank.
Perangkat lunak yang dibeli oleh Bank dicatat Software acquired by the Bank is stated at cost
sebesar biaya perolehan dikurangi akumulasi less accumulated amortization and
amortisasi dan akumulasi kerugian penurunan accumulated impairment losses.
nilai.
Pengeluaran selanjutnya untuk perangkat Subsequent expenditure on software is
lunak akan dikapitalisasi hanya jika capitalized only when it increases the future
pengeluaran tersebut menambah manfaat economic benefits embodied in the specific
ekonomis aset yang bersangkutan di masa asset to which it relates. All other expenditures
mendatang. Semua pengeluaran lainnya are expensed as incurred.
dibebankan pada saat terjadinya.
Aset takberwujud dihentikan pengakuannya An intangible asset is derecognized on disposal
jika dilepas atau ketika tidak terdapat lagi or when there is no future economic benefits
manfaat ekonomi masa depan yang are expected from its use or disposal.
diperkirakan dari penggunaan atau
pelepasannya.
Amortisasi diakui dalam laba rugi dengan Amortization is recognized in profit or loss on a
menggunakan metode garis lurus sepanjang straight-line method over the estimated useful
masa manfaat dari perangkat lunak tersebut, life of the software, from the date it is available
dari tanggal perangkat lunak tersebut tersedia for use. The estimated useful life of software is
untuk dipakai. Estimasi masa manfaat dari five until ten years.
perangkat lunak adalah lima hingga sepuluh
tahun.
Metode amortisasi, estimasi masa manfaat dan Amortization method, the estimate of useful life
nilai residual ditelaah pada setiap akhir tahun and residual values are reviewed at each
pelaporan dan disesuaikan jika dianggap tepat. financial year-end and adjusted if appropriate.
41
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2.n. Biaya dibayar di muka 2.n. Prepaid expenses
Biaya dibayar di muka diamortisasi selama masa Prepaid expenses are amortized over their
manfaat masing-masing biaya dengan beneficial periods using the straight-line
menggunakan metode garis lurus. method.
2.o. Aset lain-lain 2.o. Other assets
Terdiri dari aset yang tidak material yang tidak Represent immaterial assets that cannot be
dapat digolongkan dalam pos-pos sebelumnya. classified under the above accounts. Other
Aset lain-lain dinyatakan sebesar nilai tercatat, assets are stated at carrying amount, which is
yaitu harga perolehan setelah dikurangi cost less accumulated amortization, allowance
dengan akumulasi amortisasi, penurunan nilai for impairment losses or possible losses.
atau cadangan kerugian.
2.p. Liabilitas segera 2.p. Obligations due immediately
Liabilitas segera merupakan liabilitas Bank Obligations due immediately represent the
kepada pihak lain yang sifatnya wajib segera Bank’s liabilities to beneficiaries that are payable
dibayarkan sesuai dengan perintah pemberi immediately in accordance with the demand
amanat atau perjanjian yang ditetapkan from the beneficiaries or as agreed upon by the
sebelumnya. Liabilitas segera dinyatakan Bank’s and the beneficiaries. Obligation due
sebesar nilai liabilitas Bank kepada pemberi immediately are stated at outstanding payables
amanat. to the beneficiaries.
2.q. Simpanan dari nasabah dan simpanan dari 2.q. Deposits from customer and deposits from
Bank other banks
Simpanan dari nasabah dan simpanan dari Deposits from customer and deposits from
bank lain pada awalnya diukur pada nilai wajar other banks are initially measured at fair value
ditambah biaya transaksi yang dapat plus directly attributable transaction costs and
diatribusikan secara langsung dan setelah subsequently measured at their amortized cost
pengakuan awal diukur pada biaya perolehan using the effective interest method.
diamortisasi dengan menggunakan metode
suku bunga efektif.
2.r. Pendapatan dan beban bunga 2.r. Interest income and expense
Pendapatan dan beban bunga diakui dalam Interest income and expenses are recognized
laba rugi dengan menggunakan metode suku in the profit or loss using the effective interest
bunga efektif. Suku bunga efektif adalah suku rate method. The effective interest rate is the rate
bunga yang secara tepat mendiskontokan that exactly discounts the estimated future cash
estimasi pembayaran dan penerimaan kas di payments and receipts through the expected life
masa datang selama perkiraan umur dari aset of the financial asset or financial liability (or,
keuangan atau liabilitas keuangan (atau, jika where appropriate, a shorter period) to the
lebih tepat, digunakan periode yang lebih carrying amount of the financial asset or
singkat) untuk memperoleh nilai tercatat dari financial liability. When calculating the effective
aset keuangan atau liabilitas keuangan. Pada interest rate, the Bank estimates future cash
saat menghitung suku bunga efektif, Bank flows considering all contractual terms of the
mengestimasi arus kas di masa datang dengan financial instrument but not future credit losses.
mempertimbangkan seluruh persyaratan
kontraktual dalam instrumen keuangan
tersebut, tetapi tidak mempertimbangkan
kerugian kredit di masa mendatang.
Perhitungan suku bunga efektif mencakup biaya The calculation of the effective interest rate
transaksi (Catatan 2c) dan seluruh includes transaction costs (Note 2c) and all
imbalan/provisi dan bentuk lain yang fees and points paid or received that are an
dibayarkan atau diterima yang merupakan integral part of the effective interest rate.
bagian tak terpisahkan dari suku bunga efektif.
Pendapatan dan beban bunga yang disajikan Interest income and expenses presented in the
di dalam laba rugi meliputi: profit or loss include:
42
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
a. Pendapatan dan beban bunga atas aset a. Interest income and expense on financial
keuangan yang diukur pada nilai wajar assets measured at fair value through other
melalui penghasilan komprehensif lain comprehensive income as well as financial
serta aset keuangan dan liabilitas assets and financial liabilities recorded at
keuangan yang dicatat berdasarkan biaya amortized cost are recognized in the profit
perolehan diamortisasi, diakui pada laba or loss using the effective interest method.
rugi dengan menggunakan metode suku
bunga efektif.
Jumlah tercatat bruto aset keuangan The gross carrying amount of a financial
adalah biaya perolehan diamortisasi aset asset is the amortized cost of a financial
keuangan sebelum disesuaikan dengan asset before adjusting for allowance for
cadangan penurunan nilai. impairment.
Dalam menghitung pendapatan dan beban In calculating interest income and
bunga, tingkat bunga efektif diterapkan expenses, the effective interest rate is
pada jumlah tercatat bruto aset (ketika applied to the gross carrying amount of an
aset tersebut bukan aset keuangan asset (when the asset is not a deteriorated
memburuk) atau terhadap biaya perolehan financial asset) or to the amortized cost of a
diamortisasi dari liabilitas. liability.
Untuk aset keuangan yang memburuk For financial assets that deteriorated after
setelah pengakuan awal, pendapatan initial recognition, interest income is
bunga dihitung dengan menerapkan calculated by applying an effective interest
tingkat bunga efektif terhadap biaya rate to the amortized cost of the financial
perolehan diamortisasi dari aset keuangan assets. If the asset no longer deteriorates,
tersebut. Jika aset tersebut tidak lagi the calculation of interest income will be
memburuk, maka perhitungan pendapatan calculated by applying an effective interest
bunga akan dihitung dengan menerapkan rate to the gross carrying amount of the
tingkat bunga efektif terhadap nilai tercatat financial asset.
bruto dari aset keuangan tersebut.
Untuk aset keuangan yang telah For financial assets that have deteriorated
memburuk pada saat pengakuan awal, at initial recognition, interest income is
pendapatan bunga dihitung dengan calculated by applying the effective interest
menerapkan tingkat bunga efektif rate to the amortized cost of the financial
terhadap biaya perolehan diamortisasi dari assets. If the asset no longer deteriorates,
aset keuangan tersebut. Jika aset tersebut the calculation of interest income will still be
tidak lagi memburuk, maka perhitungan calculated by applying the effective interest
pendapatan bunga akan tetap dihitung rate to the amortized cost of the financial
dengan menerapkan tingkat bunga efektif asset.
terhadap biaya perolehan diamortisasi dari
aset keuangan tersebut.
b. Keuntungan dan kerugian yang timbul dari b. Gains and losses arising from changes in
perubahan nilai wajar atas aset keuangan the fair value of fair value through other
yang dikasifikasikan dalam kelompok nilai comprehensive income financial assets
wajar melalui penghasilan komprehensif other than foreign exchange gains or losses
lain diakui secara langsung dalam laporan on debt instrument are recognized directly in
laba rugi komprehensif (merupakan bagian other comprehensive income (as part of
dari ekuitas) sampai aset keuangan equity), until the financial asset is
tersebut dihentikan pengakuannya atau derecognized or impaired, except gain or
adanya penurunan nilai, kecuali loss arising from changes in exchanges
keuntungan atau kerugian akibat rate for debt instrument.
perubahan nilai tukar untuk instrumen
utang.
43
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2.s. Provisi dan komisi 2.s. Fees and commissions
Pendapatan dan beban provisi dan komisi yang Fees and commission income and expenses
signifikan dan merupakan bagian tak that are significant and integral to the effective
terpisahkan dari suku bunga efektif atas aset interest rate on financial asset or financial
keuangan atau liabilitas keuangan dimasukkan liability are included in the measurement of the
ke dalam perhitungan suku bunga efektif. effective interest rate.
Pendapatan provisi dan komisi lainnya Other fees and commission income, including
termasuk provisi yang terkait dengan kegiatan credit related fees, export-import related fees,
perkreditan, kegiatan ekspor-impor, provisi syndication lead arranger fees, and provision
sebagai pengatur sindikasi dan provisi atas for services are recognized when the related
jasa diakui pada saat jasa tersebut dilakukan. services are performed.
Beban provisi dan komisi lainnya sehubungan Other fees and commission expense related
dengan transaksi antar bank diakui sebagai mainly to inter-bank transaction fees which are
beban pada saat jasa tersebut diterima. expensed as the service are received.
Apabila pinjaman diselesaikan sebelum jatuh The outstanding balances of unamortized fees
tempo, maka saldo pendapatan provisi dan and commissions on loans terminated or settled
komisi yang belum diamortisasi diakui pada prior to maturity are recognized as income upon
saat pinjaman diselesaikan. settlement.
2.t. Liabilitas imbalan pasca-kerja 2.t. Post-employment benefits liability
Imbalan pasca-kerja dicadangkan dan diakui The post-employment benefits are accrued and
sebagai biaya ketika jasa telah diberikan oleh recognized as expense when services have
pegawai yang menjadi peserta program been rendered by qualified employees. The
pensiun Bank. Imbalan kerja ditentukan benefits are determined based on the Bank’s
berdasarkan peraturan Bank dan persyaratan regulations and the minimum requirements of
minimum Undang-undang No. 11/2020 tentang Law No.11/2020 on Job Creation (the “Job
Cipta Kerja (“Undang-Undang Cipta Kerja”) Creation Law”) (before January 1, 2021: Labour
(sebelum 1 Januari 2021: Undang Undang Law No. 13/2003 (the “Labour Law”)) as
Ketenagakerjaan No. 13/2003 (“UU amended by Perpu No.2/2022 and Law
Ketenagakerjaan”)) sebagaimana telah No.6/2023 or the Bank’s Collective Labour
diamendemen dengan Perpu No.2/2022 dan Agreement (the “CLA”) or Company Regulation
UU No.6/2023 atau Perjanjian Kerja Bersama (“CR”), whichever is higher. Since the Job
(“PKB”) atau Peraturan Perusahaan (“PP”), Creation Law or Labour Law or the CLA or the
mana yang lebih tinggi. Karena UU Cipta Kerja CR sets the formula for determining the
atau UU Ketenagakerjaan atau PKB atau PP minimum amount of benefits, in substance
menentukan rumus tertentu untuk menghitung pension plans under the Job Creation Law or
jumlah minimal imbalan pensiun, pada Labour Law or the CLA or the CR represent
dasarnya, program pensiun berdasarkan UU defined benefit plans.
Cipta Kerja atau UU Ketenagakerjaan atau
PKB atau PP adalah program imbalan pasti.
Liabilitas imbalan pasca-kerja dihitung sebesar Post-employment benefits liability is calculated
nilai kini dari estimasi jumlah liabilitas imbalan at present value of estimated future benefits
pasca-kerja di masa depan yang timbul dari that the employees have earned in return for
jasa yang telah diberikan oleh karyawan pada their services in the current and past periods,
masa kini dan masa lalu, dikurangi dengan nilai deducted by plan assets, if any. Calculation is
wajar aset program, jika ada. Perhitungan performed by an independent actuary using the
dilakukan oleh aktuaris independen dengan projected-unit credit method.
metode projected-unit credit.
Nilai kini liabilitas imbalan pasti ditentukan The present value of the defined benefit
dengan mendiskontokan estimasi arus kas obligation is determined by discounting the
keluar masa depan dengan menggunakan estimated future cash outflows using interest
tingkat bunga obligasi pemerintah berkualitas rates of high quality government bonds that are
tinggi dalam mata uang yang sama dengan denominated in the currency in which the
mata uang imbalan yang akan dibayarkan dan benefits will be paid and have terms to maturity
waktu jatuh tempo yang kurang lebih sama approximately the same as the terms of the
dengan waktu jatuh tempo imbalan yang related pension liability.
bersangkutan.
44
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Seluruh biaya jasa lalu diakui pada saat yang All past service costs are recognized at the
lebih dulu antara ketika amendemen/ earlier of the occurence of amendment/
kurtailmen terjadi atau ketika biaya curtailment and the recognition of related
restrukturisasi atau pemutusan hubungan kerja restructuring or termination costs. As a result,
diakui. Sebagai akibatnya, biaya jasa lalu yang unvested past service costs can no longer be
belum vested tidak lagi dapat ditangguhkan deferred and recognized over the future
dan diakui selama periode vesting masa vesting period.
depan.
Bunga neto atas imbalan pasti neto merupakan Net interest of the net defined benefit liabilities
komponen pendapatan bunga dari aset is the interest income component of plan
program, biaya bunga atas liabilitas imbalan assets, interest expense of defined benefit
pasti dan bunga atas dampak batas atas dari obligation and interest of the effect of asset
aset. ceiling.
Pengukuran kembali liabilitas imbalan pasti Remeasurement of the net defined benefit
neto terdiri atas: obligation consists of:
- keuntungan dan kerugian aktuarial; - actuarial gains and losses,
- imbal hasil atas aset program, tidak - return on plan assets, excluding amount
termasuk jumlah yang dimasukan dalam included in net interest of the net defined
bunga neto atas liabilitas imbalan pasti benefit obligation,
neto;
- setiap perubahan dampak batas atas aset, - any changes in effect of the asset ceiling,
tidak termasuk jumlah yang dimasukkan excluding amount included in net interest
dalam bunga neto atas liabilitas imbalan of the net defined benefit obligation.
pasti neto.
Imbalan jangka panjang lainnya Other long-term benefits
Imbalan jangka panjang lainnya seperti cuti Other long-term employee benefits such as
berimbalan jangka panjang, imbalan cacat long service leave, permanent disability
permanen dan penghargaan jubilee dihitung benefits and jubilee awards are calculated
dengan menggunakan metode projected unit using the projected unit credit method and
credit dan didiskontokan ke nilai kini. discounted to present value. Actuarial gains
Keuntungan dan kerugian aktuarial yang timbul and losses arising from experience adjustment
dari penyesuaian dan perubahan dalam asumsi- and charge in actuarial assumption are
asumsi aktuarial diakui dalam laba rugi. recognised to profit or loss.
Pesangon pemutusan hubungan kerja Termination benefits
Pesangon pemutusan hubungan kerja terutang Termination benefits are payable whenever an
ketika karyawan dihentikan kontrak kerjanya employee’s employment is terminated before
sebelum usia pensiun normal. Bank mengakui the normal retirement date. The Bank
pesangon pemutusan hubungan kerja ketika recognizes termination benefits when it is
menunjukkan komitmennya untuk memutuskan demonstrably committed to terminate the
hubungan kerja dengan karyawan berdasarkan employment of current employees according to a
suatu rencana formal terperinci yang kecil detailed formal plan with low possibility of
kemungkinannya untuk dibatalkan. Pesangon withdrawal. Benefits which will be paid more
yang akan dibayarkan dalam waktu lebih dari than 12 months after statement of financial
12 bulan setelah tanggal laporan posisi position’s date are discounted to reflect its
keuangan didiskontokan untuk mencerminkan present value.
nilai kini.
2.u. Perpajakan 2.u. Taxation
Beban pajak adalah jumlah gabungan pajak Tax expense is the aggregate amount included
kini dan pajak tangguhan yang diperhitungkan in the determinination of profit or loss for the
dalam menentukan laba rugi pada suatu tahun. year in respect of current tax and deferred tax.
Pajak kini dan pajak tangguhan diakui dalam Current tax and deferred tax is recognized in
laba rugi, kecuali pajak penghasilan yang profit or loss, except for income tax arising from
timbul dari transaksi atau peristiwa yang diakui transactions or events that are recognized in
45
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
dalam penghasilan komprehensif lain atau other comprehensive income or directly in
secara langsung di ekuitas. Dalam hal ini, equity. In this case, the tax is recognized in
pajak tersebut masing-masing diakui dalam other comprehensive income or equity,
penghasilan komprehensif lain atau ekuitas. respectively.
Jumlah pajak kini untuk tahun berjalan dan Current tax for current and prior years shall, to
tahun sebelumnya yang belum dibayar diakui the extent unpaid, be recognized as a liability. If
sebagai liabilitas. Jika jumlah pajak yang telah the amount already paid in respect of current
dibayar untuk tahun berjalan dan periode- and prior years exceeds the amount due for
periode sebelumnya melebihi jumlah pajak those years, the excess shall be recognized as
yang terutang untuk tahun tersebut, maka an asset.
kelebihannya diakui sebagai aset.
Liabilitas (aset) pajak kini untuk tahun berjalan Current tax liabilities (assets) for the current
dan tahun sebelumnya diukur sebesar jumlah and prior years shall be measured at the
yang diperkirakan akan dibayar kepada amount expected to be paid to (recovered from)
(direstitusi dari) otoritas perpajakan, yang the taxation authorities, using the tax rates (and
dihitung menggunakan tarif pajak (dan undang- tax laws) that have been enacted or
undang pajak) yang telah berlaku atau secara substantively enacted by the end of the
substantif telah berlaku pada akhir tahun reporting year.
pelaporan.
Manfaat terkait dengan rugi pajak yang dapat Tax benefits relating to tax loss that can be
ditarik untuk memulihkan pajak kini dari tahun carried back to recover current tax of a previous
sebelumnya diakui sebagai aset. Aset pajak years is recognized as an asset. Deferred tax
tangguhan diakui untuk akumulasi rugi pajak asset is recognized for the carry forward of
belum dikompensasi dan kredit pajak belum unused tax losses and unused tax credit to the
dimanfaatkan sepanjang kemungkinan besar extent that it is probable that future taxable
laba kena pajak masa depan akan tersedia profit will be available against which the unused
untuk dimanfaatkan dengan rugi pajak belum tax losses and unused tax credits can be
dikompensasi dan kredit pajak belum utilized.
dimanfaatkan.
Seluruh perbedaan temporer kena pajak diakui Deferred tax liability shall be recognized for all
sebagai liabilitas pajak tangguhan, kecuali taxable temporary differences, except to the
perbedaan temporer kena pajak yang berasal extent that the deferred tax liability arises from:
dari:
a. Pengakuan awal goodwill; atau a. The initial recognition of goodwill
b. Pengakuan awal aset atau liabilitas dari b. The initial recognition of an asset or liability
transaksi yang bukan kombinasi bisnis; in a transaction which is not a business
pada saat transaksi tidak mempengaruhi combination and at the time of the
laba akuntansi atau laba kena pajak (rugi transaction, affects neither accounting profit
pajak); dan pada saat transaksi tidak nor taxable profit (tax loss).
menimbulkan perbedaan temporer kena
pajak dan perbedaan temporer dapat
dikurangkan dalam jumlah yang sama.
Aset pajak tangguhan diakui untuk seluruh A deferred tax asset shall be recognized for all
perbedaan temporer dapat dikurangkan deductible temporary differences to the extent
sepanjang kemungkinan besar laba kena pajak that it is probable that taxable profit will be
akan tersedia sehingga perbedaan temporer available against which the deductible
dapat dimanfaatkan untuk mengurangi laba temporary difference can be utilized, unless the
dimaksud, kecuali jika aset pajak tangguhan deferred tax asset arises from the initial
timbul dari pengakuan awal aset atau recognition of an asset or liability in a
pengakuan awal liabilitas dalam transaksi transaction:
yang:
a. Bukan kombinasi bisnis; a. That is not a business combination;
46
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
b. Pada saat transaksi tidak memengaruhi b. At the time of the transaction affects neither
laba akuntansi atau laba kena pajak (rugi accounting profit nor taxable profit (tax
pajak); dan loss); and
c. Pada saat transaksi, tidak menimbulkan c. At the time of the transaction do not give
perbedaan temporer kena pajak dan rise to taxable temporary differences and
perbedaan temporer dapat dikurangkan temporary differences can be offset in the
dalam jumlah yang sama. same amount.
Aset pajak tangguhan diakui untuk seluruh A deferred tax asset shall be recognized for all
perbedaan temporer dapat dikurangkan deductible temporary differences to the extent
sepanjang kemungkinan besar laba kena pajak that it is probable that taxable profit will be
akan tersedia sehingga perbedaan temporer available against which the deductible
dapat dimanfaatkan untuk mengurangi laba temporary difference can be utilized, unless the
dimaksud, kecuali jika aset pajak tangguhan deferred tax asset arises from the initial
timbul dari pengakuan awal aset atau recognition of an asset or liability in a
pengakuan awal liabilitas dalam transaksi yang transaction that is not a business combination
bukan kombinasi bisnis dan pada saat and at the time of the transaction affects neither
transaksi tidak memengaruhi laba akuntansi accounting profit nor taxable profit (tax loss).
atau laba kena pajak (rugi pajak).
Aset dan liabilitas pajak tangguhan diukur Deferred tax assets and liabilities are measured
dengan menggunakan tarif pajak yang at the tax rates that are expected to apply to
diharapkan berlaku ketika aset dipulihkan atau the period when the asset is realized or the
liabilitas diselesaikan, berdasarkan tarif pajak liability is settled, based on tax rates (and tax
(dan peraturan pajak) yang telah berlaku atau laws) that have been enacted or substantively
secara substantif telah berlaku pada akhir enacted by the end of the reporting period.
periode pelaporan.
Pengukuran aset dan liabilitas pajak tangguhan The measurement of deferred tax liabilities and
mencerminkan konsekuensi pajak yang sesuai deferred tax assets shall reflect the tax
dengan cara Bank memperkirakan, pada akhir consequences that would follow from the
periode pelaporan, untuk memulihkan atau manner in which the Bank expects, at the end
menyelesaikan jumlah tercatat aset dan of the reporting period, to recover or settle the
liabilitasnya. carrying amount of its assets and liabilities.
Jumlah tercatat aset pajak tangguhan ditelaah The carrying amount of a deferred tax asset
ulang pada akhir periode pelaporan. Bank reviewed at the end of each reporting period.
mengurangi jumlah tercatat aset pajak The Bank shall reduce the carrying amount of a
tangguhan jika kemungkinan besar laba kena deferred tax asset to the extent that it is no
pajak tidak lagi tersedia dalam jumlah yang longer probable that sufficient taxable profit will
memadai untuk mengompensasikan sebagian be available to allow the benefit of part or all of
atau seluruh aset pajak tangguhan tersebut. that deferred tax asset to be utilized. Any such
Setiap pengurangan tersebut dilakukan reduction shall be reversed to the extent that it
pembalikan atas aset pajak tangguhan hingga becomes probable that sufficient taxable profit
kemungkinan besar laba kena pajak yang will be available.
tersedia jumlahnya memadai.
Bank melakukan saling hapus aset pajak The Bank offsets deferred tax assets and
tangguhan dan liabilitas pajak tangguhan jika deferred tax liabilities if, and only if:
dan hanya jika:
a. Bank memiliki hak yang dapat dipaksakan a. The Bank has a legally enforceable right to
secara hukum untuk melakukan saling set off current tax assets against current
hapus aset pajak kini terhadap liabilitas tax liabilities; and
pajak kini; dan
b. Aset pajak tangguhan dan liabilitas pajak b. The deferred tax assets and the deferred
tangguhan terkait dengan pajak tax liabilities relate to income taxes levied
penghasilan yang dikenakan oleh otoritas by the same taxation authority on either:
perpajakan yang sama atas:
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
i. Entitas kena pajak yang sama; atau i. The same taxable entity; or
ii. Entitas kena pajak yang berbeda ii. Different taxable entities which
yang bermaksud untuk memulihkan intend either to settle current
aset dan liabilitas pajak kini dengan tax liabilities and assets on a net
dasar neto, atau merealisasikan aset basis, or to realize the assets and
dan menyelesaikan liabilitas secara settle the liabilities simultaneously,
bersamaan, pada setiap periode in each future period in which
masa depan dimana jumlah signifikan significant amounts of deferred
atas aset atau liabilitas pajak tax liabilities or assets are expected
tangguhan diperkirakan untuk to be settled or recovered.
diselesaikan atau dipulihkan.
Bank melakukan saling hapus atas aset pajak The Bank offsets current tax assets and current
kini dan liabilitas pajak kini jika dan hanya jika, tax liabilities if, and only if, the Bank:
Bank:
a. Memiliki hak yang dapat dipaksakan a. Has legally enforceable right to set off the
secara hukum untuk melakukan saling recognized amounts; and
hapus atas jumlah yang diakui; dan
b. Bermaksud untuk menyelesaikan dengan b. Intends either to settle on a net basis, or to
dasar neto atau merealisasikan aset realize the assets and settle liabilities
dan menyelesaikan liabilitas secara simultaneously.
bersamaan.
2.v. Laba per saham dasar 2.v. Basic earnings per share
Laba per saham dasar dihitung dengan Basic earnings per share is computed by
membagi laba tahun berjalan dengan rata-rata dividing income for the year with the weighted
tertimbang jumlah saham biasa yang average number of outstanding common
ditempatkan dan disetor penuh selama tahun shares issued and are fully paid-up during
yang bersangkutan, setelah memperhitungkan the year, after considering effect of stock
pembagian dividen saham dan saham bonus dividends and bonus shares distribution that
yang diterapkan secara retrospektif. applied retrospectively.
Bank tidak memiliki efek berpotensi saham The Bank has no outstanding dilutive potential
biasa yang bersifat dilutif pada tanggal ordinary shares as at December 31, 2023 and
31 Desember 2023 dan 2022, dan oleh 2022 and accordingly, no diluted earnings per
karenanya, laba per saham dilusian tidak share is calculated and presented in the
dihitung dan disajikan pada laporan laba rugi statements of profit or loss and other
dan penghasilan komprehensif lain. comprehensive income.
2.w. Program loyalitas pelanggan 2.w. Customer loyalty program
Program loyalitas pelanggan digunakan Bank Customer loyalty programs are used by banks
untuk memberikan insentif kepada pelanggan to provide incentives to customers to purchase
untuk membeli barang atau jasa tertentu. Jika certain goods or services. If the customer
pelanggan membeli barang atau jasa, maka purchases goods or services, the Bank will
Bank akan memberikan poin penghargaan award points to the customer (often referred to
kepada pelanggan (seringkali disebut sebagai as "points"). Customers can exchange these
“poin”). Pelanggan dapat menukar poin award points for goods or services for free or at
penghargaan tersebut dengan barang atau discounted rates. This interpretation applies to
jasa secara gratis atau dengan potongan customer loyalty reward points that:
harga. Interpretasi ini berlaku untuk poin
penghargaan loyalitas pelanggan yang:
a. diberikan oleh Bank kepada pelanggannya a. provided by the Bank to its customers as
sebagai bagian dari transaksi penjualan part of a sales transaction i.e. sale of
yaitu penjualan barang, pemberian jasa, goods, provision of services, or use of
atau penggunaan aset entitas-entitas assets of certain entities by customers; and
tertentu oleh pelanggan; dan
48
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
b. bergantung pada pemenuhan terhadap b. subject to compliance with any further
setiap kondisi lebih lanjut yang disyaratkan, conditions required, the Customer may
pelanggan dapat menukar barang atau jasa exchange goods or services for free or at
secara gratis atau dengan potongan harga discounted rates in the future.
di masa depan.
2.x. Sewa 2.x. Lease
Bank sebagai lessor Bank as lessor
Dalam sewa menyewa operasi, Bank sebagai Under an operating lease, the Bank as a lessor
lessor mengakui aset untuk sewa operasi di presents assets subject to operating leases in
laporan posisi keuangan sesuai sifat aset its statements of financial position according to
tersebut. Bank mencatat aset tersebut sebagai the nature of the asset. The Bank recorded
aset sewa operasi yang disusutkan dengan those assets as assets under operating leases
menggunakan metode garis lurus selama umur which is depreciated using straight-line method
manfaat aset tersebut. Biaya langsung awal over the estimated useful lives of the assets.
sehubungan proses negosiasi sewa operasi Initial direct costs incurred in negotiating an
ditambahkan ke jumlah tercatat dari aset operating lease are added to the carrying
sewaan dan diakui sebagai beban selama amount of the leased asset and recognized
masa sewa dengan dasar yang sama dengan over the lease term on the same basis as rental
pendapatan sewa. Rental kontinjen, apabila income. Contingent rents, if any, are recognized
ada, diakui sebagai pendapatan pada tahun- as revenue in the years in which they are
tahun terjadinya. earned.
Bank sebagai lessee Bank as lessee
Kebijakan akuntansi sehubungan dengan The accounting policy related to the adoption of
penerapan PSAK 73 dimana Bank adalah PSAK 73 where Bank is the lessee has been
sebagai lessee diungkapkan pada Catatan 2l disclosed in Note 2l to the financial statements.
atas laporan keuangan.
2.y. Beban emisi saham 2.y. Shares issuance costs
Sesuai dengan Peraturan No. VIII.G.7 lampiran Based on the regulation No. VIII.G.7, appendix
Surat Keputusan Bapepam No. Kep- of Bapepam Decision Letter No. Kep-
06/PM/2000 tanggal 13 Maret 2000 mengenai 06/PM/2000 dated March 13, 2000 regarding
“Pedoman Penyajian Laporan Keuangan” “Guidance for Financial Statements
biaya-biaya emisi efek yang terjadi sehubungan Presentation”, costs related to the public offering
dengan penawaran saham kepada masyarakat of shares (including pre- emptive rights issue)
(termasuk penerbitan hak memesan efek are deducted from the proceeds and presented
terlebih dahulu) dikurangkan langsung dari hasil as a deduction from the “Additional Paid-in-
emisi dan disajikan sebagai pengurang pada Capital-Net account, under Equity section in the
akun “Tambahan Modal Disetor-Neto”, sebagai statements of financial position.
bagian dari Ekuitas pada laporan posisi
keuangan.
2.aa.Peristiwa setelah periode pelaporan 2.aa.Events after the reporting period
Peristiwa setelah periode pelaporan yang Events after the reporting period that provide
memberikan informasi tambahan tentang posisi additional information about the Bank’s
Bank pada periode pelaporan (menyesuaikan position at the reporting period (adjusting
peristiwa) tercermin dalam laporan keuangan. events) are reflected in the financial
statements.
Peristiwa setelah periode pelaporan yang tidak Events after the reporting period that are not
menyesuaikan peristiwa, jika ada, diungkapkan adjusting events, if any, are disclosed when
ketika material terhadap laporan keuangan. material to the financial statements.
49
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2.ab.Kombinasi Bisnis Entitas Sepengendali 2.ab.Business combination for Under Common
Control Entities
Akuisisi entitas anak yang memenuhi kriteria Acquisition of a subsidiary that represent a
sebagai transaksi restrukturisasi entitas restructuring transaction of entities under
sepengendali dicatat berdasarkan PSAK 38, common control are accounted for in
“Akuntansi Restrukturisasi Entitas accordance with PSAK 38, “Accounting for
Sepengendali”. Berdasarkan standar ini, Restructuring of Entities Under Common
akuisisi entitas anak dicatat berdasarkan Control”. Based on this standard, acquisition of
penyatuan kepemilikan (pooling of interest) a subsidiary is accounted for based on the
dimana aset dan liabilitas entitas anak dicatat pooling of interest, wherein assets and
sesuai dengan nilai bukunya. Selisih antara liabilities of a subsidiary are recorded at their
harga penyerahan dan bagian Grup atas nilai book values. The difference between the
buku entitas anak, jika ada, dicatat sebagai transfer price and the Group’s interest in a
“Selisih Nilai Transaksi Restrukturisasi Entitas subsidiary’s book values, if any, is recorded as
Sepengendali” dan disajikan sebagai bagian “Difference in Value Arising from Restructuring
dari ekuitas sebagai tambahan modal disetor. Transactions of Entities under Common
Control” and presented as part of equity as
additional paid-in capital.
3. Pertimbangan Akuntansi Yang Penting Dan 3. Critical Accounting Judgments And Key
Sumber Utama Ketidakpastian Estimasi Sources Of Estimation Uncertainty
Dalam proses penerapan kebijakan akuntansi In the process of applying the Bank’s
Bank, manajemen telah melakukan accounting policies, management has
pertimbangan profesional dan estimasi dalam exercised professional judgments and
menentukan jumlah yang diakui dalam laporan estimates in determining the amounts
keuangan. Beberapa pertimbangan profesional recognized in the financial statements. The
dan estimasi yang signifikan adalah sebagai several significant uses of the professional
berikut: judgments and estimates are as follows:
a. Sumber utama atas ketidakpastian estimasi a. Key sources of estimation uncertainty
Cadangan kerugian penurunan nilai atas Allowances for impairment losses on
aset keuangan financial assets
Saat mengukur ECL, Bank menggunakan When measuring ECL the Bank uses
informasi masa depan yang wajar dan reasonable and supportable forward-looking
dapat didukung, yang didasarkan pada information, which is based on assumptions
asumsi untuk pergerakan masa depan dari for the future movement of different
berbagai pendorong ekonomi dan economic drivers and how these drivers will
bagaimana penggerak ini akan saling affect each other.
memengaruhi.
Loss given default adalah estimasi kerugian Loss given default is an estimate of the loss
yang timbul karena gagal bayar. arising on default. It is based on the
Perhitungan didasarkan pada perbedaan difference between the contractual cash
antara arus kas kontraktual terutang dan flows due and those that the lender would
yang diharapkan akan diterima, dengan expect to receive, taking into account cash
mempertimbangkan arus kas dari agunan flows from collateral and integral credit
dan peningkatan kredit integral. enhancements.
Probability of default merupakan input Probability of default constitutes a key input
utama dalam mengukur ECL. Probability of in measuring ECL. Probability of default is
default adalah perkiraan kemungkinan an estimate of the likelihood of default over
gagal bayar selama jangka waktu tertentu, a given time horizon, the calculation of
yang penghitungannya mencakup data which includes historical data, assumptions
historis, asumsi, dan ekspektasi kondisi and expectations of future conditions.
masa depan.
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Evaluasi atas kerugian penurunan nilai aset Financial assets accounted for at amortized
keuangan yang dicatat pada biaya cost are evaluated for impairment on the
perolehan diamortisasi dijelaskan di basis described in Note 2k.
Catatan 2k.
Kondisi spesifik counterparty yang In the calculation of allowance for
mengalami penurunan nilai dalam impairment losses of financial assets, the
pembentukan cadangan kerugian atas aset specific condition of impaired counterparty
keuangan dievaluasi secara individu is individually evaluated based on
berdasarkan estimasi terbaik manajemen management's best estimate of the present
atas nilai kini arus kas yang diharapkan value of the expected cash flows to be
akan diterima, baik dari waktu dan jumlah. received, including both timing and amount.
Dalam mengestimasi arus kas tersebut, In estimating these cash flows,
manajemen membuat pertimbangan management makes judgements about the
tentang situasi keuangan counterparty dan counterparty's financial situation and the net
nilai realisasi bersih dari setiap agunan, realizable value of any underlying collateral,
serta probabilitas rata-rata tertimbang including weighted average probability of
kerugian kredit. Setiap aset yang credit losses. Each impaired asset is
mengalami penurunan nilai dinilai sesuai assessed on its merits, and the workout
dengan manfaat yang ada, dan strategi strategy and estimated cash flows
penyelesaian serta estimasi arus kas yang considered recoverable.
diperkirakan dapat diterima.
Evaluasi cadangan kerugian penurunan Collectively-assessed allowance for
nilai secara kolektif meliputi kerugian kredit impairment losses cover credit losses
yang melekat pada portofolio aset inherent in portfolios of financial assets with
keuangan dengan karakteristik ekonomi similar economic characteristics but the
yang sama, tetapi penurunan nilai secara individual impaired items cannot yet be
individu belum dapat diidentifikasi. Dalam identified. In assessing the need for
menentukan perlunya membentuk collectively assessed allowance for
cadangan kerugian penurunan nilai kredit impairment losses, management considers
secara kolektif, manajemen factors such as credit quality, portfolio size,
mempertimbangkan faktor-faktor seperti credit concentrations and economic factors.
kualitas kredit, besarnya portofolio, In order to estimate the required allowance,
konsentrasi kredit dan faktor-faktor assumptions are made to define the way
ekonomi. Dalam mengestimasi cadangan inherent losses are modeled and to
yang diperlukan, asumsi-asumsi dibuat determine the required input parameters,
untuk menentukan model kerugian bawaan based on historical experience, current
dan untuk menentukan parameter input economic conditions, and forecast on future
yang diperlukan, berdasarkan pengalaman economic condition.
historis, kondisi ekonomi saat ini, dan
perkiraan kondisi ekonomi di masa depan.
Ketepatan dari cadangan ini bergantung The accuracy of the allowances depends on
pada seberapa tepat estimasi arus kas how well these estimates of future cash
masa depan untuk menentukan cadangan flows for specific counterparty allowances
individual serta asumsi model dan and the model assumptions and parameters
parameter yang digunakan dalam used in determining collective allowances.
menentukan cadangan kolektif.
Estimasi Masa Sewa Estimation of Lease Term
Dalam mengestimasi masa sewa dari When estimating the lease term of the
masing-masing perjanjian sewa, respective lease arrangement, management
manajemen mempertimbangkan seluruh considers all facts and circumstances that
fakta dan keadaan yang memberikan create an economic incentive to exercise an
insentif ekonomik untuk mengeksekusi extension option, or not to exercise a
opsi perpanjangan, atau untuk tidak termination option, including any expected
mengeksekusi opsi penghentian, termasuk changes in facts and circumstances from
perubahan fakta atau keadaan yang the commencement date until the exercise
diekspektasi dari tanggal permulaan hingga date of the option. Extension options (or
51
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
tanggal eksekusi opsi. Opsi perpanjangan periods after termination options) are only
(atau periode setelah opsi penghentian) included in the lease term if the lease is
hanya diperhitungkan dalam masa sewa reasonably certain to be extended (or not
jika sewa cukup pasti akan diperpanjang terminated.
(atau tidak dihentikan).
Penentuan nilai wajar Determining fair values
Dalam menentukan nilai wajar atas aset In determining the fair value for financial
keuangan dan liabilitas keuangan dimana assets and liabilities for which there is no
tidak terdapat harga pasar yang dapat observable market price, Bank should use
diobservasi, Bank harus menggunakan the valuation techniques as described in
teknik penilaian seperti dijelaskan pada Note 2c. For financial instruments that are
Catatan 2c. Untuk instrumen keuangan infrequently traded and have little price
yang jarang diperdagangkan dan tidak transparency, fair value is less objective,
memiliki harga yang transparan, nilai and requires varying degrees of judgment
wajarnya menjadi kurang objektif dan depending on liquidity, concentration,
karenanya, membutuhkan tingkat uncertainly of market factors, pricing
pertimbangan yang beragam, tergantung assumptions and other risks affecting the
pada likuiditas, konsentrasi, ketidakpastian specific instrument.
faktor pasar, asumsi penentuan harga,
dan risiko lainnya yang memengaruhi
instrumen tertentu.
Aset pajak tangguhan Deferred tax assets
Aset pajak tangguhan diakui atas jumlah Deferred tax assets are recognized for the
pajak penghasilan terpulihkan future recoverable taxable income arising
(recoverable) pada periode mendatang from temporary difference.
sebagai akibat perbedaan temporer yang
boleh dikurangkan.
Pertimbangan manajemen diperlukan Management judgment is required to
untuk menentukan jumlah aset pajak determine the amount of deferred tax
tangguhan yang dapat diakui, sesuai assets that can be recognized, based upon
dengan waktu yang tepat dan tingkat laba the likely timing and level of future taxable
fiskal di masa mendatang sejalan dengan profits together with future strategic
strategi rencana perpajakan ke depan planning (Note 2u).
(Catatan 2u).
Penyusutan Aset Tetap Depreciation of Fixed Assets
Manajemen mengestimasi masa manfaat Management properly estimates the useful
ekonomis aset tetap Bank antara 1 sampai lives of the Bank’s fixed assets to be within
dengan 20 tahun. Ini merupakan masa 1 to 20 years. These are common life
manfaat ekonomis yang secara umum expectancies applied in the banking
diharapkan dalam industri perbankan. industries. Changes in the expected level of
Perubahan tingkat pemakaian dan usage and technological development
perkembangan teknologi dapat could impact the economic useful lives
memengaruhi masa manfaat ekonomis and the residual values of these assets,
dan nilai sisa aset, dan karenanya beban and therefore future depreciation charges
penyusutan masa depan mungkin direvisi. could be revised. Further details are
Penjelasan lebih rinci diungkapkan dalam disclosed in Notes 2l and 13.
Catatan 2l dan 13.
Revaluasi Aset Tetap The Revaluation of Fixed assets
Revaluasi aset tetap Bank bergantung The Bank’s fixed assets revaluation
pada pemilihan asumsi yang digunakan depends on its selection of certain
oleh penilai independen dalam menghitung assumptions used by the independent
jumlah-jumlah tersebut. Asumsi tersebut appraisal in calculating such amounts.
termasuk antara lain: tingkat diskonto, nilai Those assumptions including discount rate,
tukar, tingkat inflasi dan tingkat kenaikan exchange rate, inflation rate and revenue
pendapatan dan biaya. Bank berkeyakinan and cost increase rate. The Bank believes
52
Page 573
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
bahwa asumsi tersebut adalah wajar dan that its assumptions are reasonable and
sesuai, perbedaan signifikan dalam asumsi appropriate and significant differences in
yang ditetapkan Bank dapat mempengaruhi the Bank’s assumptions may materially
secara material nilai aset tetap yang affect the valuation of its revalued fixed
direvaluasi. Penjelasan lebih rinci assets. Further details are disclosed in
diungkapkan dalam Catatan 13. Note 13.
Imbalan kerja Employee benefits
Penentuan liabilitas imbalan kerja Bank The determination of the Bank’s employee
bergantung pada pemilihan asumsi yang benefits liability is dependent on its
digunakan oleh aktuaris independen dan selection of certain assumptions used by
manajemen Bank dalam menghitung the independent actuaries and the Bank’s
jumlah-jumlah tersebut. Asumsi tersebut management in calculating such amounts.
termasuk antara lain, tingkat diskonto, Those assumptions include among
tingkat kenaikan gaji tahunan, tingkat others, discount rates, future annual
pengunduran diri karyawan tahunan, salary increase, annual employee turn-
tingkat kecacatan, umur pensiun, dan over rate, disability rate, retirement age,
tingkat kematian (Catatan 22). and mortality rate (Note 22).
Pajak penghasilan Income tax
Bank mengakui liabilitas atas pajak The Bank recognizes liabilities for corporate
penghasilan badan berdasarkan estimasi income tax based on estimation of whether
apakah akan terdapat tambahan pajak additional corporate income tax will be due.
penghasilan badan.
b. Pertimbangan akuntansi yang penting b. Critical accounting judgments in applying
dalam menerapkan kebijakan akuntansi the Bank’s accounting policies
Bank
Pertimbangan akuntansi yang penting Critical accounting judgments made in
dalam menerapkan kebijakan akuntansi applying the Bank’s accounting policies
Bank meliputi: include:
Penilaian instrumen keuangan Valuation of financial instruments
Bank menggunakan hierarki berikut untuk The Bank adopts the following hierarchy for
menentukan dan mengungkapkan nilai determining and disclosing the fair value of
wajar dari instrumen keuangan financial instruments (Note 41) :
(Catatan 41) :
- Level 1 : - Level 1 :
harga kuotasian (tanpa penyesuaian) quoted (unadjusted) market prices in
di pasar aktif untuk aset atau liabilitas active market for identical assets or
yang identik; liabilities;
- Level 2 : - Level 2 :
input selain harga kuotasian yang inputs other than quoted prices
termasuk dalam Level 1 yang dapat included within Level 1 that are
diobservasi untuk aset dan liabilitas observable for the asset or liability
baik secara langsung (misalnya harga) either directly (for example, price) or
atau secara tidak langsung; indirectly;
- Level 3 : - Level 3 :
input untuk aset dan liabilitas yang inputs for the asset and liability that
bukan berdasarkan data pasar yang are not based on observable market
dapat diobservasi (input yang tidak data (unobservable inputs).
dapat diobservasi).
Kebijakan akuntansi Bank untuk The Bank’s accounting policy on fair value
pengukuran nilai wajar dibahas di measurements is discussed in Note 2.
Catatan 2.
Nilai wajar dari aset keuangan dan Fair values of financial assets and
liabilitas keuangan yang diperdagangkan financial liabilities that are traded in active
53
Page 574
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
di pasar aktif didasarkan pada kuotasi markets are based on quoted market
harga pasar atau kuotasi dari harga prices or dealer price quotations. For all
dealer. Untuk seluruh instrumen keuangan other financial instruments, the Bank
lainnya, Bank menentukan nilai wajar determines fair values using valuation
dengan menggunakan teknik penilaian. techniques.
Teknik penilaian termasuk model nilai Valuation techniques include net present
sekarang dan arus kas yang value and discounted cash flow models,
didiskontokan, dan perbandingan dengan and comparison to similar instruments for
instrumen yang sejenis dimana terdapat which market observable prices exist.
harga pasar yang dapat diobservasi. Assumptions and inputs used in valuation
Asumsi dan input yang digunakan dalam techniques include risk-free and
teknik penilaian termasuk suku bunga benchmark interest rates, credit spreads
bebas risiko (risk-free) dan suku bunga and other variable used in estimating
acuan, credit spread dan variabel lainnya discount rates, bond prices, foreign
yang digunakan dalam mengestimasi currency exchange rates, and price
tingkat diskonto, harga obligasi, kurs mata volatilities and correlations.
uang asing, serta tingkat kerentanan dan
korelasi harga yang diharapkan.
Tujuan dari teknik penilaian adalah The objective of valuation techniques is to
penentuan nilai wajar yang mencerminkan arrive at a fair value determination that
harga dari instrumen keuangan pada reflects the price of the financial
tanggal pelaporan yang akan ditentukan instrument at the reporting date that would
oleh para partisipan di pasar dalam suatu have been determined by market
transaksi yang wajar. participants acting at arm’s length.
Penilaian model bisnis Business model assessment
Klasifikasi dan pengukuran aset keuangan Classification and measurement of
bergantung pada hasil ‘semata dari financial assets depends on the results of
pembayaran pokok dan bunga’ (”SPPI”) the SPPI (please see financial assets
(lihat bagian aset keuangan pada sections of Note 3) and the business
Catatan 3) dan uji model bisnis. Bank model test. The Bank determines the
menentukan model bisnis pada tingkat business model at a level that reflects how
yang mencerminkan bagaimana kelompok group of financial assets are managed
aset keuangan dikelola bersama untuk together to achieve a particular business
mencapai tujuan bisnis tertentu. Penilaian objective. This assessment includes
ini mencakup penilaian yang judgement reflecting all relevant evidence
mencerminkan semua bukti yang relevan including how the performance of the
termasuk bagaimana kinerja aset assets is evaluated and their performance
dievaluasi dan kinerjanya diukur, risiko measured, the risks that affect the
yang memengaruhi kinerja aset dan performance of the assets and how these
bagaimana hal ini dikelola dan bagaimana are managed and how the managers of
manajer aset diberi kompensasi. Bank the assets are compensated. The Bank
memantau aset keuangan yang diukur monitors financial assets measured at
pada biaya perolehan diamortisasi atau amortized cost or fair value through other
nilai wajar melalui penghasilan comprehensive income that are
komprehensif lain yang dihentikan derecognized prior to their maturity to
pengakuannya sebelum jatuh tempo untuk understand the reason for their disposal
memahami alasan pelepasannya dan and whether the reasons are consistent
apakah alasan tersebut konsisten dengan with the objective of the business for which
tujuan bisnis di mana aset tersebut dimiliki. the asset was held. Monitoring is part of the
Pemantauan adalah bagian dari penilaian Bank’s continuous assessment of whether
berkelanjutan Bank atas apakah model the business model for which the
bisnis di mana aset keuangan yang tersisa remaining financial assets are held
dimiliki tetap sesuai dan jika tidak sesuai continues to be appropriate and if it is not
apakah telah terjadi perubahan dalam appropriate whether there has been a
model bisnis dan dengan demikian change in business model and so a
terdapat perubahan prospektif terhadap prospective change to the classification of
54
Page 575
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
klasifikasi aset keuangan tersebut. Tidak those assets. No such changes were
ada perubahan yang diperlukan selama required during the periods presented.
periode yang disajikan.
Peningkatan risiko kredit yang signifikan Significant increase in credit risk
Sebagaimana dijelaskan dalam As explained in Note 3, expected credit
Catatan 3, kerugian kredit ekspektasian losses are measured as an allowance
diukur sebagai cadangan yang setara equal to 12 months ECL for stage 1
dengan ECL 12 bulan untuk aset stage 1, assets, or lifetime ECL for stage 2 or stage
atau ECL sepanjang umur untuk aset stage 3 assets. An asset moves to stage 2 when
2 atau stage 3. Suatu aset bergerak ke its credit risk has increased significantly
stage 2 ketika risiko kreditnya telah since initial recognition. PSAK 71 does not
meningkat secara signifikan sejak define what constitutes a significant
pengakuan awal. PSAK 71 tidak increase in credit risk. In assessing
menjelaskan apa yang merupakan whether the credit risk of an asset has
peningkatan risiko kredit yang signifikan. significantly increased, the Bank takes into
Dalam menilai apakah risiko kredit suatu account qualitative and quantitative
aset telah meningkat secara signifikan, reasonable and supportable forward-
Bank mempertimbangkan informasi masa looking information.
depan yang wajar dan dapat didukung
secara kualitatif dan kuantitatif.
Klasifikasi aset dan liabilitas keuangan Financial asset and liability classification
Kebijakan akuntansi Bank menetapkan The Bank’s accounting policies determine
klasifikasi atas aset dan liabilitas tertentu the classifications of certain assets and
sebagai aset dan liabilitas keuangan liabilities as financial assets and liabilities
dengan mempertimbangkan definisi yang by considering the definition set forth in
ditetapkan PSAK 71. PSAK 71.
Penurunan nilai aset non-keuangan Impairment of non-financial assets
Bank mengevaluasi penurunan nilai aset The Bank assesses impairment of assets
apabila terdapat kejadian atau whenever events or changes in
perubahan keadaan yang circumstances that would indicates that
mengindikasikan bahwa nilai tercatat the carrying amount of an asset may not
aset tidak dapat dipulihkan kembali. be recoverable. The factors that the Bank
Faktor-faktor penting yang dapat considers important which could trigger an
menyebabkan penelaahan penurunan impairment review include the following:
nilai adalah sebagai berikut:
a) performa yang tidak tercapai secara a) significant underperformance relative
signifikan terhadap ekspektasi historis to expected historical or projected
atau proyeksi hasil operasi di masa future operating results;
yang akan datang;
b) perubahan yang signifikan dalam cara b) significant changes in the manner of
penggunaan aset atau strategi bisnis use of the acquired assets or the
secara keseluruhan; dan strategy for overall business; and
c) industri atau tren ekonomi yang c) significant negative industry or
secara signifikan bernilai negatif. economic trends.
Bank mengakui kerugian penurunan nilai The Bank recognizes an impairment loss
apabila nilai tercatat aset melebihi nilai whenever the carrying amount of an asset
yang dapat dipulihkan. Jumlah terpulihkan exceeds its recoverable amount. The
adalah nilai yang lebih tinggi antara nilai recoverable amount is the higher of an
wajar dikurang biaya untuk menjual asset’s (or cash-generating unit’s) fair
dengan nilai pakai aset (atau unit value less costs to sell and its value in
penghasil kas). Jumlah terpulihkan use. Recoverable amounts are estimated
diestimasi untuk aset individual atau, jika for individual assets or, if it is not possible,
tidak memungkinkan, untuk unit for the cash-generating unit to which the
penghasil kas yang mana aset tersebut asset belongs.
merupakan bagian daripada unit tersebut.
55
Page 576
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
4. Kas 4. Cash
2023 2022
Rupiah Rupiah
Khasanah 3,848,905,800 3,173,579,300 Vault room
Jumlah 3,848,905,800 3,173,579,300 Total
Kas dalam penyimpanan diasuransikan Cash in vault are insured for all risks of
terhadap semua risiko kehilangan dan/atau physical loss and/or damage with PT Asuransi
kerusakan kepada PT Asuransi Umum Mega Umum Mega with sum insured amounting to
dengan jumlah pertanggungan masing-masing Rp3,000,000,000 and Rp12,000,000,000 for
sebesar Rp3.000.000.000 dan the years ended December 31, 2023 and
Rp12.000.000.000 pada tanggal 31 Desember 2022, respectively.
2023 dan 2022.
Manajemen Bank berpendapat bahwa nilai The management of the Bank believes that
pertanggungan tersebut cukup untuk the insurance coverage is adequate to cover
menutupi kemungkinan kerugian dari risiko possible losses arising from such risks.
tersebut.
5. Giro pada Bank Indonesia 5. Current Accounts with Bank Indonesia
2023 2022
Rupiah Rupiah
Giro pada Bank Indonesia 233,442,087,888 305,945,558,821 Current accounts with Bank Indonesia
Jumlah 233,442,087,888 305,945,558,821 Total
Bank dipersyaratkan untuk memiliki Giro Wajib The Bank is required to maintain minimum
Minimum (GWM) dalam mata uang Rupiah statutory reserves (GWM) in Rupiah for
dalam kegiatannya sebagai bank umum dan conventional banking activities and statutory
GWM dalam mata uang asing dalam reserves in foreign currencies for foreign
kegiatannya melakukan transaksi mata uang exchange transactions.
asing.
GWM primer adalah simpanan minimum yang Primary minimum statutory reserve is a
wajib dipenuhi oleh Bank dalam bentuk saldo minimum reserve that should be maintained by
rekening giro pada Bank Indonesia. the Bank in current accounts with Bank
Penyangga Likuiditas Makroprudensial (dahulu Indonesia. Macroprudential Liquidity Buffer
GWM sekunder) adalah cadangan minimum (formerly secondary minimum statutory
yang wajib dipelihara oleh Bank berupa reserve) which is the minimum reserves that
Sertifikat Bank Indonesia (SBI), Surat Utang should be maintained by the Bank, comprised
Negara (SUN), dan Surat Berharga Syariah of Certificates of Bank Indonesia (SBI),
Negara (SBSN). GWM Rasio Intermediasi Government Debenture Debt (SUN), and
Makroprudensial (RIM) (dahulu GWM LFR) Sharia Government Securities (SBSN). The
adalah tambahan simpanan minimum yang minimum statutory reserve on Macroprudential
wajib dipenuhi oleh Bank dalam bentuk saldo Intermediation Ratio (RIM) (formerly minimum
rekening giro pada Bank Indonesia, jika RIM statutory reserve on LFR) is the additional
Bank di bawah minimum RIM target Bank reserve that should be maintained by the Bank
Indonesia (84%) atau jika di atas maksimum in the form of current accounts with Bank
RIM target Bank Indonesia (94%) dan Indonesia, if the Bank’s RIM is below the
Kewajiban Penyediaan Modal Minimum minimum of RIM targeted by Bank Indonesia
(KPMM) Bank lebih kecil dari KPMM Insentif (84%) or if the Bank’s RIMis above the
Bank Indonesia sebesar 14%. maximum of RIM targeted by Bank Indonesia
(94%) and the Capital Adequacy Ratio (CAR) is
below Bank Indonesia requirement of 14%.
56
Page 577
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the Bank's
Giro Wajib Minimum (GWM) Bank telah sesuai Statutory Reserves (GWM) have complied with
dengan Peraturan Bank Indonesia (PBI) Bank Indonesia Regulation (PBI)
No. 20/3/PBI/2018 tanggal 29 Maret 2018 No. 20/3/PBI/2018 dated March 29, 2018
tentang Giro Wajib Minimum Bank Umum concerning Statutory Reserves for Commercial
Dalam Rupiah dan Valuta Asing Bagi Bank Banks in Rupiah and Foreign Exchange for
Umum Konvensional sebagaimana telah Banks Conventional General as amended
diubah dengan PBI No. 22/3/PBI/2020 tanggal through PBI No. 22/3/PBI/2020 dated
24 Maret 2020; PBI No. 22/10/PBI/2020 March 24, 2020; PBI No. 22/10/PBI/2020 dated
tanggal 28 Juli 2020; PBI No. 23/16/PBI/2021 July 28, 2020; PBI No. 23/16/PBI/2021 dated
tanggal 21 Desember 2021; dan terakhir kali December 21, 2021; and latest amendment
melalui PBI No. 24/4/PBI/2022 tanggal through PBI No. 24/4/PBI/2022 dated
01 Maret 2022 yang dijelaskan melalui March 01, 2022 which explained by Regulation
Peraturan Anggota Dewan Gubernur (PADG) of the Members of the Board of Governors
No. 20/10/PADG/2018 tanggal 31 Mei 2018 (PADG) No. 20/10/PADG/2018 dated
tentang Giro Wajib Minimum Bank Umum May 31, 2018 concerning Statutory Reserves
Konvensional, Bank Umum Syariah dan Unit for Conventional Commercial Banks, Sharia
Usaha Syariah sebagaimana telah diubah Commercial Banks and Sharia Business Units
beberapa kali dengan PADG as amended through PADG
No. 21/14/PADG/2019 tanggal 26 Juni 2019; No. 21/14/PADG/2019 dated June 26, 2019;
PADG No. 21/27/PADG/2019 tanggal PADG No. 21/27/PADG/2019 dated
26 Desember 2019; PADG No. December 26, 2019; PADG
22/2/PADG/2020 tanggal 10 Maret 2020; No. 22/2/PADG/2020 dated March 10, 2020;
PADG No. 22/10/PADG/2020 tanggal 29 April PADG No. 22/10/PADG/2020 dated April 29,
2020; PADG No. 22/19/PADG/2020 tanggal 2020; PADG No. 22/19/PADG/2020 dated
29 Juli 2020; PADG No. 23/27/PADG/2021 July 29, 2020; PADG No. 23/27/PADG/2021
tanggal 21 Desember 2021; PADG dated December 21, 2021; PADG No.
No. 24/3/PADG/2022 tanggal 01 Maret 2022; 24/3/PADG/2022 dated March 01, 2022; PADG
dan terakhir kali melalui PADG No. No. 24/8/PADG/2022 dated June 30, 2022;
24/8/PADG/2022 tanggal 30 Juni 2022; PADG PADG No.2 year 2023 dated April 1, 2023; and
Nomor 2 tahun 2023 tertanggal 1 April 2023; latest amendment through PADG No.12 year
dan terakhir kali melalui PADG Nomor 12 2023 dated October 1, 2023.
tahun 2023 tertanggal 1 Oktober 2023.
Rasio GWM Bank pada tanggal 31 Desember As of December 31, 2023 and 2022, the GWM
2023 dan 2022 masing-masing sebesar ratios of the Bank are as follows (unaudited):
(tidak diaudit):
2023 2022
Pemenuhan/ Pemenuhan/
Reserve Minimum Reserve Minimum
Rupiah Rupiah
GWM primer 9.12% 9.00% 7.85% 7.80% Primary GWM
GWM harian 0.00% 0.00% 0.00% 0.00% Daily GWM
GWM rata-rata 9.12% 9.00% 7.85% 7.80% Average GWM
GWM sekunder/ Secondary GWM/
Penyangga Likuiditas Macroprudential
Makroprudensial (PLM) 67.31% 5.00% 62.73% 6.00% Liquidity Buffer (PLM)
*) Pada tanggal 31 Desember 2023 dan 2022 Bank *) As of December 31, 2023 and 2022 the Bank
mendapatkan insentif dari Bank Indonesia masing- received an incentive from Bank Indonesia of nil and
masing sebesar nihil dan 1,20% sehingga minimum 1.20%, so that the minimum GWM fulfillment is
pemenuhan GWM masing-masing sebesar 9,00% 9.00% and 7.80%, respectively.
dan 7,80%.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the Bank
Bank juga harus memenuhi PBI must also comply with PBI No.20/4/PBI/2018
No.20/4/PBI/2018 tanggal 29 Maret 2018 dated March 29, 2018 concerning
tentang Rasio Intermediasi Makroprudensial Macroprudential Intermediation Ratios and
dan Penyangga Likuiditas Makroprudensial Macroprudential Liquidity Buffers for
bagi Bank Umum Konvensional, Bank Umum Conventional Commercial Banks, Sharia
Syariah, dan Unit Konvensional, Bank Umum Commercial Banks, and Conventional Units,
57
Page 578
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Syariah dan Unit Usaha Syariah sebagaimana Sharia Commercial Banks and Sharia
telah diubah dengan PBI No.21/12/PBI/2019 Business Units as amended through PBI
tanggal 26 November 2019; PBI No.21/12/PBI/2019 dated November 26, 2019;
No.22/17/PBI/2020 tanggal 01 Oktober 2020; PBI No.22/17/PBI/2020 dated October 01,
dan terakhir kali melalui PBI 2020; and latest amendment through PBI No.
No.23/17/PBI/2021 tanggal 22 Desember 2021 23/17/PBI/2021 dated December 22, 2021
yang dijelaskan melalui Peraturan Anggota which explained by the Regulation of Members
Dewan Gubernur No.21/22/PADG/2019 of the Board of Governors
tanggal 28 November 2019 yang telah diubah No.21/22/PADG/2019 dated November 28,
dengan PADG No.22/30/PADG/2020 tanggal 2019 which has been amended through PADG
05 Oktober 2020; PADG No.23/7/PADG/2021 No.22/30/PADG/2020 dated October 05, 2020;
tanggal 28 April 2021; PADG No.23/7/PADG/2021 dated April 28, 2021;
No.24/14/PADG/2022 tanggal 1 November PADG No.24/14/PADG/2022 dated
2022; PADG Nomor 10 tahun 2023 tanggal November 1, 2022; PADG No.10 year 2023
14 September 2023; dan terakhir kali diubah dated September 14, 2023; and latest
dengan PADG Nomor 18 tahun 2023 tanggal amendment through PADG No.18 year 2023
1 Desember 2023. dated December 1, 2023.
Bank juga mendapatkan insentif likuiditas Banks also receive macroprudential liquidity
makoprudensial berdasarkan PADG incentives based on PADG
No.24/12/PADG/2022 tertanggal 20 Juli 2022 No.24/12/PADG/2022 dated July 20, 2022 as
sebagaimana diubah dengan PADG No.11 amended by PADG No.11 of 2023 dated
tahun 2023 tanggal 27 September 2023 September 27, 2023 concerning
tentang Peraturan Pelaksanaan Kebijakan Implementation Regulations for
Insentif Likuiditas Makroprudensial. Macroprudential Liquidity Incentive Policies.
Pada tanggal 31 Desember 2023 dan 2022, As at December 31, 2023 and 2022, the Bank
Bank telah memenuhi ketentuan Bank has complied with Minimum Statutory Reserve
Indonesia yang berlaku tentang Giro Wajib Requirement of Commercial Banks.
Minimum Bank Umum.
6. Giro pada Bank Lain 6. Current Accounts with Other Banks
a. Berdasarkan mata uang a. By currency
2023 2022
Rupiah Rupiah
Pihak berelasi (Catatan 36) 177,910,333,490 152,186,649,430 Related parties (Note 36)
Cadangan kerugian Allowance for
penurunan nilai (177,910,333) (151,965,205) Impairment losses
Jumlah giro pada bank lain kepada Total current accounts with other
pihak berelasi - neto 177,732,423,157 152,034,684,225 banks to related parties - net
Pihak ketiga Third parties
PT Bank Central Asia Tbk 38,203,199,413 36,873,686,687 PT Bank Central Asia Tbk
PT Bank Mandiri (Persero) Tbk -- 597,253,665 PT Bank Mandiri (Persero) Tbk
PT Bank Maybank Indonesia Tbk -- 172,578,074 PT Bank Maybank Indonesia Tbk
Jumlah 38,203,199,413 37,643,518,426 Total
Cadangan kerugian Allowance for
penurunan nilai (38,203,199) (37,588,745) Impairment losses
Jumlah giro pada bank lain kepada Total current accounts with other
pihak ketiga - neto 38,164,996,214 37,605,929,681 banks to third parties - net
Jumlah - neto 215,897,419,371 189,640,613,906 Total - net
58
Page 579
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
b. Berdasarkan kolektibilitas b. By collectability
Berdasarkan hasil penelaahan dan Based on Bank’s management’s review
evaluasi manajemen Bank, seluruh giro and evaluation, all current account with
pada bank lain digolongkan lancar. other banks are classified as current.
c. Nilai tercatat bruto c. Gross carrying amount
Perubahan nilai tercatat bruto adalah The movements in the gross carrying
sebagai berikut: amount are as follows:
31 Desember/ December 31, 2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal 189,830,167,856 -- -- 189,830,167,856 Initial gross carrying amount
Aset baru -- -- -- -- New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (769,831,739) -- -- (769,831,739) (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali 27,053,196,786 -- -- 27,053,196,786 Remeasurement
Nilai tercatat bruto akhir 216,113,532,903 -- -- 216,113,532,903 Ending gross carrying amount
31 Desember/ December 31, 2022
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal 69,477,752,583 -- -- 69,477,752,583 Initial gross carrying amount
Aset baru -- -- -- -- New assets originated
Aset dihentikan pengakuannya
atau dilunasi (kecuali Assets derecognized
hapus buku) (3,262,286,833) -- -- (3,262,286,833) or repaid (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali 123,614,702,106 -- -- 123,614,702,106 Remeasurement
Nilai tercatat bruto akhir 189,830,167,856 -- -- 189,830,167,856 Ending gross carrying amount
d. Cadangan kerugian penurunan nilai d. Allowance for impairment losses
Perubahan cadangan kerugian penurunan The movement of the allowance for
nilai atas giro pada bank lain dihitung impairment losses of current account with
dengan menggunakan KKE 12 bulan, other banks computed based on 12 months
adalah sebagai berikut: ECL, is as follows:
31 Desember/ December 31, 2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal (189,553,950) -- -- (189,553,950) Initial balance
Aset baru -- -- -- -- New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) 768,712 -- -- 768,712 (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali (27,328,294) -- -- (27,328,294) Remeasurement
Saldo akhir (216,113,532) -- -- (216,113,532) Ending balance
31 Desember/ December 31, 2022
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal (5,690,434) -- -- (5,690,434) Initial balance
Aset baru -- -- -- -- New assets originated
Aset dihentikan pengakuannya
atau dilunasi (kecuali Assets derecognized
hapus buku) 268,256 -- -- 268,256 or repaid (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali (184,131,772) -- -- (184,131,772) Remeasurement
Saldo akhir (189,553,950) -- -- (189,553,950) Ending balance
Manajemen berpendapat bahwa The management believes that the
cadangan kerugian penurunan nilai giro allowance for impairment losses on current
pada bank lain pada tanggal account with other banks as at December
31 Desember 2023 dan 2022 telah 31, 2023 and 2022 is adequate.
memadai.
59
Page 580
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
e. Tingkat suku bunga rata-rata e. Average interest rate
Tingkat suku bunga rata-rata giro pada The average interest rates of current
bank lain adalah sebagai berikut: account with other banks are as follows:
2023 2022
Rupiah 0 - 3.50% 0 - 2.00% Rupiah
f. Pada tanggal 31 Desember 2023 dan f. As at December 31, 2023 and 2022, there
2022, tidak terdapat giro pada bank lain are no current account with other banks
yang dijaminkan. which are pledged as collateral.
7. Penempatan pada Bank Indonesia dan 7. Placements with Bank Indonesia and Other
Bank Lain Banks
a. Berdasarkan pihak, mata uang, dan jenis a. By counterparties, currency, and type
2023 2022
Rupiah Rupiah
Pihak ketiga Third parties
Penempatan pada Bank Indonesia Placements with Bank Indonesia
Bank Indonesia - Deposit Facility
setelah dikurangi diskonto Bank Indonesia - Deposit Facility
belum diamortisasi 199,970,850,337 299,960,432,329 net of unamortized discount
Bank Indonesia - Time Deposit -- 74,977,804,811 Bank Indonesia - Time Deposit
199,970,850,337 374,938,237,140
Pihak berelasi (Catatan 36) Related parties (Note 36)
Penempatan pada bank lain Placements with other banks
Call money Call money
PT Bank Mega Tbk 1,000,000,000,000 -- PT Bank Mega Tbk
PT Bank Mega Syariah 200,000,000,000 -- PT Bank Mega Syariah
1,200,000,000,000 --
Jumlah 1,399,970,850,337 374,938,237,140 Total
b. Berdasarkan kolektibilitas b. By collectability
Berdasarkan hasil penelaahan dan Based on the Bank’s management review
evaluasi manajemen Bank, seluruh and evaluation, all placement with other
penempatan pada bank lain digolongkan banks were classified as current.
lancar.
c. Berdasarkan jangka waktu c. By on time period
Jumlah tercatat penempatan pada Bank Placements with Bank Indonesia and other
Indonesia dan bank lain berdasarkan banks based on time period as of December
jangka waktu pada tanggal 31 Desember 31, 2023 and 2022 are as follows:
2023 dan 2022 adalah sebagai berikut:
2023 2022
Rupiah Rupiah
Sampai dengan 1 bulan 1,399,970,850,337 374,938,237,140 Up to 1 month
Jumlah 1,399,970,850,337 374,938,237,140 Total
d. Berdasarkan sisa umur jatuh tempo d. By remaining period of maturity
Jumlah tercatat penempatan pada Bank Placements with Bank Indonesia and other
Indonesia dan bank lain berdasarkan sisa banks based on the remaining period of
umur jatuh tempo berikut: maturity are as follows:
2023 2022
Rupiah Rupiah
Sampai dengan 1 bulan 1,399,970,850,337 374,938,237,140 Up to 1 month
Jumlah 1,399,970,850,337 374,938,237,140 Total
60
Page 581
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
e. Cadangan kerugian penurunan nilai e. Allowance for impairment losses
Manajemen Bank berpendapat bahwa The Bank’s management believed that
cadangan kerugian penurunan nilai pada allowance for impairment losses as at
tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022 are not
tidak diperlukan. required.
f. Tingkat suku bunga rata-rata f. Average interest rate
Tingkat suku bunga rata-rata penempatan The average interest rates of placements
pada Bank Indonesia dan bank lain with Bank Indonesia and other banks are as
adalah sebagai berikut: follows:
2023 2022
Rupiah 5.25% 4.85% Rupiah
g. Pada tanggal 31 Desember 2023 dan g. As at December 31, 2023 and 2022, there
2022 tidak terdapat penempatan pada are no placements with Bank Indonesia
Bank Indonesia dan bank lain yang and other banks which are pledged as
dijaminkan. collateral.
8. Efek-Efek 8. Marketable Securities
a. Berdasarkan jenis dan mata uang a. By type and currency
2023 2022
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain comprehensive income
Rupiah Rupiah
Obligasi 3,254,500,000,000 2,000,000,000,000 Bonds
Diskon belum diamortisasi (169,243,672,295) (148,935,505,878) Unamortized discount
Keuntungan yang belum
terealisasi 97,582,852,295 45,645,505,878 Unrealized gain
Jumlah 3,182,839,180,000 1,896,710,000,000 Total
b. Berdasarkan penerbit b. By issuer
2023 2022
Pihak ketiga Third parties
Pemerintah 3,182,839,180,000 1,896,710,000,000 Government
Jumlah 3,182,839,180,000 1,896,710,000,000 Total
c. Berdasarkan sisa umur jatuh tempo c. By remaining maturity
2023 2022
Lebih dari 5 tahun 3,182,839,180,000 1,896,710,000,000 More than 5 years
Jumlah 3,182,839,180,000 1,896,710,000,000 Total
d. Berdasarkan kolektibilitas d. By collectability
Berdasarkan ketentuan Bank Indonesia Based on the prevailing Bank Indonesia
yang berlaku, efek-efek pada tanggal regulation, securities as at December 31,
31 Desember 2023 dan 2022 2023 and 2022 are classified as current.
diklasifikasikan lancar.
e. Jangka waktu dan tingkat suku bunga rata- e. Maturity period and average interest rates
rata efek-efek adalah sebagai berikut: of securities are as follows:
2023 2022
Jangka waktu Maturity Period
Obligasi pemerintah 10 - 13 tahun/years 10 - 12 tahun/years Government bonds
Tingkat bunga Average interest rate
rata-rata pertahun per annum
Obligasi pemerintah 6.45% 6.38% Government bonds
61
Page 582
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
f. Nilai tercatat bruto adalah sebagai berikut: f. Gross carrying amount are as follows:
31 Desember/ December 31, 2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal 1,896,710,000,000 -- -- 1,896,710,000,000 Initial gross carrying amount
Aset baru 1,718,719,180,000 -- -- 1,718,719,180,000 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (499,000,000,000) -- -- (499,000,000,000) (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali 66,410,000,000 -- -- 66,410,000,000 Remeasurement
Nilai tercatat bruto akhir 3,182,839,180,000 -- -- 3,182,839,180,000 Ending gross carrying amount
31 Desember/ December 31, 2022
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal 1,814,861,500,000 -- -- 1,814,861,500,000 Initial gross carrying amount
Aset baru 1,896,710,000,000 -- -- 1,896,710,000,000 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (1,814,861,500,000) -- -- (1,814,861,500,000) (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali -- -- -- -- Remeasurement
Nilai tercatat bruto akhir 1,896,710,000,000 -- -- 1,896,710,000,000 Ending gross carrying amount
Pada tanggal 31 Desember 2023 dan As at December 31, 2023 and 2022, there
2022 tidak terdapat efek-efek yang are no impairment losses in securities.
mengalami penurunan nilai.
Manajemen Bank berpendapat bahwa The Bank’s management believes that
cadangan kerugian penurunan nilai untuk allowance for impairment losses as at
31 Desember 2023 dan 2022 tidak December 31, 2023 and 2022 are not
diperlukan. required.
g. Pada tanggal 31 Desember 2023 dan g. As at December 31, 2023 and 2022, there
2022, tidak terdapat efek-efek yang were no securities which were pledged as
dijaminkan. collateral.
h. Perubahan keuntungan yang belum h. Unrealized gain from changes in fair
direalisasi atas efek-efek yang values through other comprehensive
diklasifikasikan sebagai nilai wajar melalui income in securities are as follows:
pendapatan komprehensif lain adalah
sebagai berikut:
2023 2022
Saldo awal 45,645,505,878 26,771,270,429 Beginning balance
Keuntungan yang direalisasi ke laba rugi Realized gains to profit or loss
atas penjualan efek-efek from sale of marketable securities
selama tahun berjalan (37,373,920,257) (3,918,770,429) during the year
Penambahan laba yang belum Increase in unrealized
direalisasi selama tahun berjalan 89,311,266,674 22,793,005,878 gain during the year
Pajak penghasilan terkait (11,426,216,212) -- Related income tax
Penyesuaian saldo awal (10,042,011,294) -- Adjustment beginning balance
Saldo akhir 76,114,624,789 45,645,505,878 Ending balance
i. Pada tanggal 31 Desember 2023, i. As at December 31, 2023, there are
terdapat efek-efek yang dijual dengan securities which are sold under
janji dibeli kembali (Catatan 17). repurchased agreement (Note 17).
62
Page 583
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
9. Efek-Efek yang Dibeli dengan Janji Dijual 9. Securities Purchased Under Resell
Kembali Agreement
2022
Nilai Pendapatan bunga
penjualan yang belum
Nilai nominal/ Tanggal Tanggal kembali/ diamortisasi/ Nilai tercatat/
Nasabah/ Jenis efek-efek/ Nominal dimulai/ jatuh tempo/ Resale Unamortised Carrying
Counterparties Type of securities amount Starting date Maturity date amount interest value
Pihak ketiga/
Third parties
Bank Indonesia Obligasi Pemerintah/ 26 Desember/ 2 Januari/
Government Bonds 125,000,000,000 December 26, 2022 January 2, 2023 119,338,339,381 (127,489,381) 119,210,850,000
Bank Indonesia Obligasi Pemerintah/ 27 Desember/ 3 Januari/
Government Bonds 200,000,000,000 December 27, 2022 January 3, 2023 191,156,633,005 (204,213,005) 190,952,420,000
Bank Indonesia Obligasi Pemerintah/ 28 Desember/ 4 Januari/
Government Bonds 75,000,000,000 December 28, 2022 January 4, 2023 71,415,438,252 (76,293,252) 71,339,145,000
Bank Indonesia Obligasi Pemerintah/ 29 Desember/ 5 Januari/
Government Bonds 100,000,000,000 December 29, 2022 January 5, 2023 95,736,945,967 (102,275,967) 95,634,670,000
Bank Indonesia Obligasi Pemerintah/ 30 Desember/ 6 Januari/
Government Bonds 300,000,000,000 December 30, 2022 January 6, 2023 287,268,589,596 (306,889,596) 286,961,700,000
800,000,000,000 764,915,946,201 (817,161,201) 764,098,785,000
Efek-efek yang dibeli dengan janji dijual Securities purchased under agreements to
kembali digolongkan lancar. resell are classified as current.
Pada tanggal 31 Desember 2023, tidak As at December 31, 2023, there were no
terdapat efek-efek yang dibeli dengan janji securities purchased under resell agreement.
kembali.
Tingkat suku bunga rata-rata tertimbang The weighted average of interest rate per
setahun untuk efek-efek yang dibeli dengan annum for securities purchased under resell
janji dijual kembali untuk tahun berakhir pada agreement for the year ended December 31,
31 Desember 2022 adalah 6,25%. 2022 is 6.25%.
Informasi mengenai jatuh tempo diungkapkan Information in respect of maturities are
pada Catatan 40. Informasi mengenai disclosed in Note 40. Information with regards
klasifikasi dan nilai wajar diungkapkan pada to the classification and fair value are
Catatan 41. disclosed in Note 41.
10. Kredit yang Diberikan 10. Loans
a. Berdasarkan jenis kredit dan klasifikasi a. By type of loans and by Bank Indonesia’s
Bank Indonesia classification
2023
Dalam perhatian
Lancar/ khusus/ Kurang lancar/ Diragukan/ Macet/ Jumlah/
Jenis Current Special mentions Substandard Doubtful Loss Total Type
Rupiah Rupiah
Pihak berelasi Related parties
Investasi 250,000,000,000 -- -- -- -- 250,000,000,000 Investment
Konsumsi 267,669,566 -- -- -- -- 267,669,566 Consumer
Jumlah 250,267,669,566 -- -- -- -- 250,267,669,566 Total
Cadangan kerugian Allowance for
penurunan nilai (2,474,700,402) -- -- -- -- (2,474,700,402) impairment losses
Jumlah kredit yang diberikan Total loans
kepada pihak to related
berelasi - neto parties - net
(Catatan 36) 247,792,969,164 -- -- -- -- 247,792,969,164 (Note 36)
Pihak ketiga Third parties
Modal kerja 309,639,149,519 -- -- -- -- 309,639,149,519 Working capital
Investasi 6,374,475,178,675 -- -- -- -- 6,374,475,178,675 Investment
Konsumsi 420,474,214,809 24,851,238,082 6,000,416,632 -- -- 451,325,869,523 Consumer
Jumlah 7,104,588,543,003 24,851,238,082 6,000,416,632 -- -- 7,135,440,197,717 Total
Cadangan kerugian Allowance for
penurunan nilai (52,558,684,161) (4,834,466,531) (2,330,276,885) -- -- (59,723,427,577) Impairment losses
Jumlah kredit yang
diberikan kepada Total loans to
pihak ketiga - neto 7,052,029,858,842 20,016,771,551 3,670,139,747 -- -- 7,075,716,770,140 third parties - net
Jumlah - neto 7,299,822,828,006 20,016,771,551 3,670,139,747 -- -- 7,323,509,739,304 Total - net
63
Page 584
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2022
Dalam perhatian
Lancar/ khusus/ Kurang lancar/ Diragukan/ Macet/ Jumlah/
Jenis Current Special mentions Substandard Doubtful Loss Total Type
Rupiah Rupiah
Pihak berelasi Related parties
Investasi 163,431,592,818 -- -- -- -- 163,431,592,818 Investment
Konsumsi 756,315,145 -- -- -- -- 756,315,145 Consumer
Jumlah 164,187,907,963 -- -- -- -- 164,187,907,963 Total
Cadangan kerugian Allowance for
penurunan nilai (2,440,394,756) -- -- -- -- (2,440,394,756) impairment losses
Jumlah kredit yang diberikan Total loans
kepada pihak to related
berelasi - neto parties - net
(Catatan 36) 161,747,513,207 -- -- -- -- 161,747,513,207 (Note 36)
Pihak ketiga Third parties
Modal kerja 250,000,000,000 -- -- -- -- 250,000,000,000 Working capital
Investasi 6,638,588,300,705 -- -- -- -- 6,638,588,300,705 Investment
Konsumsi 145,495,457,762 6,382,073,933 820,421,224 84,066,787 -- 152,782,019,706 Consumer
Jumlah 7,034,083,758,467 6,382,073,933 820,421,224 84,066,787 -- 7,041,370,320,411 Total
Cadangan kerugian Allowance for
penurunan nilai (48,530,519,843) (1,153,468,700) (323,341,373) (33,095,231) -- (50,040,425,147) Impairment losses
Jumlah kredit yang
diberikan kepada Total loans to
pihak ketiga - neto 6,985,553,238,624 5,228,605,233 497,079,851 50,971,556 -- 6,991,329,895,264 third parties - net
Jumlah - neto 7,147,300,751,831 5,228,605,233 497,079,851 50,971,556 -- 7,153,077,408,471 Total - net
Tingkat suku bunga rata-rata per tahun The average interest rates per annum
adalah sebagai berikut: are as follows:
2023 2022
Modal Kerja 10.25% 10.00% Working Capital
Investasi 12.25% 12.50% Investment
Konsumsi 45.50% 49.25% Consumer
b. Berdasarkan sektor ekonomi dan b. By type of economic sector and Bank
klasifikasi Bank Indonesia Indonesia’s classification
2023
Dalam perhatian
Lancar/ khusus/ Kurang lancar/ Diragukan/ Macet/ Jumlah/
Jenis Current Special mentions Substandard Doubtful Loss Total Type
Rupiah Rupiah
Pihak berelasi Related parties
Real estate , usaha Real estate, leasing
persewaan dan services and
jasa perusahaan 250,000,000,000 -- -- -- -- 250,000,000,000 servicing company
Lain-lain 267,669,566 -- -- -- 267,669,566 Others
Jumlah 250,267,669,566 -- -- -- -- 250,267,669,566 Total
Cadangan kerugian Allowances for
penurunan nilai (2,474,700,402) -- -- -- -- (2,474,700,402) impairment losses
Jumlah kredit yang diberikan
kepada pihak Total loans to
berelasi - neto related parties - net
(Catatan 36) 247,792,969,164 -- -- -- -- 247,792,969,164 (Note 36)
Pihak ketiga Third parties
Real estate , usaha Real estate, leasing
persewaan dan services and
jasa perusahaan 3,727,001,175,656 -- -- -- -- 3,727,001,175,656 servicing company
Industri pengolahan 1,449,000,000,000 -- -- -- -- 1,449,000,000,000 Manufacturing
Pertanian, perburuan Agriculture,
dan kehutanan 460,914,583,334 -- -- -- -- 460,914,583,334 hunting and forestry
Listrik, gas dan air 37,237,823,511 -- -- -- -- 37,237,823,511 Electric, gas and water
Perantara keuangan 59,639,149,519 -- -- -- -- 59,639,149,519 Financial intermediaries
Transportasi, pergudangan Transportation, warehouse
dan komunikasi 473,263,422,998 -- -- -- -- 473,263,422,998 and communication
Pertambangan dan Mining and
penggalian 477,058,173,176 -- -- -- -- 477,058,173,176 excavation
Lain-lain 420,474,214,809 24,851,238,082 6,000,416,632 -- -- 451,325,869,523 Others
Jumlah 7,104,588,543,003 24,851,238,082 6,000,416,632 -- -- 7,135,440,197,717 Total
Cadangan kerugian Allowances for
penurunan nilai (52,558,684,161) (4,834,466,531) (2,330,276,885) -- -- (59,723,427,577) impairment losses
Jumlah kredit yang
diberikan kepada Total loans to
pihak ketiga - neto 7,052,029,858,842 20,016,771,551 3,670,139,747 -- -- 7,075,716,770,140 third parties - net
Jumlah - neto 7,299,822,828,006 20,016,771,551 3,670,139,747 -- -- 7,323,509,739,304 Total - net
64
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2022
Dalam perhatian
Lancar/ khusus/ Kurang lancar/ Diragukan/ Macet/ Jumlah/
Jenis Current Special mentions Substandard Doubtful Loss Total Type
Rupiah Rupiah
Pihak berelasi Related parties
Real estate , usaha Real estate, leasing
persewaan dan services and
jasa perusahaan 163,431,592,818 -- -- -- -- 163,431,592,818 servicing company
Lain-lain 756,315,145 -- -- -- -- 756,315,145 Others
Jumlah 164,187,907,963 -- -- -- -- 164,187,907,963 Total
Cadangan kerugian Allowances for
penurunan nilai (2,440,394,756) -- -- -- -- (2,440,394,756) impairment losses
Jumlah kredit yang diberikan
kepada pihak Total loans to
berelasi - neto related parties - net
(Catatan 36) 161,747,513,207 -- -- -- -- 161,747,513,207 (Note 36)
Pihak ketiga Third parties
Real estate , usaha Real estate, leasing
persewaan dan services and
jasa perusahaan 4,770,845,085,302 -- -- -- -- 4,770,845,085,302 servicing company
Industri pengolahan 1,390,000,000,000 -- -- -- -- 1,390,000,000,000 Manufacturing
Pertanian, perburuan, Agriculture,
kehutanan 494,179,166,667 -- -- -- -- 494,179,166,667 hunting and forestry
Pertambangan dan Mining and
penggalian 233,564,048,736 -- -- -- -- 233,564,048,736 excavation
Lain-lain 145,495,457,762 6,382,073,933 820,421,224 84,066,787 -- 152,782,019,706 Others
Jumlah 7,034,083,758,467 6,382,073,933 820,421,224 84,066,787 -- 7,041,370,320,411 Total
Cadangan kerugian Allowances for
penurunan nilai (48,530,519,843) (1,153,468,700) (323,341,373) (33,095,231) -- (50,040,425,147) impairment losses
Jumlah kredit yang
diberikan kepada Total loans to
pihak ketiga - neto 6,985,553,238,624 5,228,605,233 497,079,851 50,971,556 -- 6,991,329,895,264 third parties - net
Jumlah - neto 7,147,300,751,831 5,228,605,233 497,079,851 50,971,556 -- 7,153,077,408,471 Total - nets
c. Berdasarkan jangka waktu c. By loan period
Klasifikasi kredit yang diberikan Loans classification by loan agreements
berdasarkan perjanjian kredit dan sisa and the remaining maturity are as follows:
umur jatuh tempo adalah sebagai berikut:
Berdasarkan jangka waktu perjanjian By term of loan agreements
kredit
2023 2022
Sampai dengan 1 tahun 701,119,123,953 402,279,833,852 Until 1 year
Lebih dari 1 - 2 tahun 338,466,338 624,704,165 Over 1 - 2 years
Lebih dari 2 - 5 tahun 2,917,781,580,411 3,022,607,316,040 Over 2 - 5 years
Lebih dari 5 tahun 3,766,468,696,581 3,780,046,374,317 Over 5 years
Jumlah 7,385,707,867,283 7,205,558,228,374 Total
Cadangan kerugian penurunan
nilai (62,198,127,979) (52,480,819,903) Allowance for impairment losses
Jumlah kredit yang diberikan - neto 7,323,509,739,304 7,153,077,408,471 Total loans - net
Berdasarkan sisa umur jatuh tempo By remaining maturity
2023 2022
Sampai dengan 1 tahun 701,349,278,114 402,297,339,952 Until 1 year
Lebih dari 1 - 2 tahun 136,672,532 778,611,955 Over 1 - 2 years
Lebih dari 2 - 5 tahun 4,807,043,910,305 5,346,656,402,459 Over 2 - 5 years
Lebih dari 5 tahun 1,877,178,006,332 1,455,825,874,008 Over 5 years
Jumlah 7,385,707,867,283 7,205,558,228,374 Total
Cadangan kerugian penurunan
nilai (62,198,127,979) (52,480,819,903) Allowance for impairment losses
Jumlah kredit yang diberikan - neto 7,323,509,739,304 7,153,077,408,471 Total loans - net
d. Pinjaman sindikasi d. Syndicated loans
Pinjaman sindikasi merupakan pinjaman Syndicated loans represent loans
yang diberikan kepada debitur provided to debtors based on syndication
berdasarkan perjanjian pembiayaan agreements with other banks.
bersama dengan bank-bank lain.
65
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Keikutsertaan bank dalam pinjaman Bank’s participation in syndicated loans
sindikasi dengan bank-bank lain adalah with other banks amounted to
sebesar Rp1.531.902.572.517 dan Rp1,531,902,572,517 and
Rp1.140.000.000.000 pada tanggal Rp1,140,000,000,000 as of December 31,
31 Desember 2023 dan 2022. 2023 and 2022, respectively.
Keikutsertaan bank dalam pinjaman Bank’s participation in syndicated loans, in
sindikasi, dimana bank bertindak sebagai which bank acts as the syndication
anggota sindikasi adalah sebagai berikut: member, is as follows:
2023 2022
% Partisipasi 6.37% - 22.22% 6.37% % Participation
e. Informasi signifikan lainnya sehubungan e. Other significant information related with
dengan kredit yang diberikan adalah loans are as follows:
sebagai berikut:
1) Tidak ada kredit yang direstrukturisasi 1) There were no restructured loans by the
oleh Bank pada tahun 2023 dan 2022. Bank in the year 2023 and 2022.
2) Kredit yang diberikan pada umumnya 2) Loans are generally collateralized by
dijamin dengan agunan yang diikat registered mortgages, powers of attorney
dengan hak tanggungan atau surat to mortgage or sell pledged assets, time
kuasa untuk menjual, deposito deposits or other guarantees.
berjangka atau jaminan lain.
3) Pada tanggal 31 Desember 2023 dan 3) As at December 31, 2023 and 2022, the
2022, rincian kredit bermasalah detail of non-performing loans based on
menurut sektor ekonomi adalah economic sector are as follows:
sebagai berikut:
2023 2022
Sektor ekonomi lainnya 6,000,416,632 904,488,011 Other economic sector
Cadangan kerugian penurunan nilai (2,330,276,885) (356,436,604) Allowance for impairment losses
Jumlah kredit bermasalah Total non-perfoming loan
berdasarkan sektor ekonomi 3,670,139,747 548,051,407 by economic sectors
4) Pada tanggal 31 Desember 2023 dan 4) As at December 31, 2023 and 2022,
2022 rasio Non-Performing Loans the ratios of gross and net Non-
(NPL) bruto dan neto masing-masing Performing Loans (NPL) are 0.08% and
sebesar 0,08% dan 0,05% dan 0,01% 0.05% and 0.01% and 0.01%,
dan 0,01%. respectively.
5) Tidak terdapat pelanggaran maupun 5) There was no any breach nor an
pelampauan Batas Maksimum exceeding of Legal Lending Limit
Pemberian Kredit (BMPK) pada (LLL) as at December 31, 2023 and
tanggal 31 Desember 2023 dan 2022. 2022.
6) Nilai tercatat bruto adalah sebagai 6) Gross carrying amount are as follows:
berikut:
31 Desember/ December 31 , 2023
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal 7,198,191,545,524 6,354,415,423 891,654,625 7,205,437,615,572 Initial gross carrying amount
Aset baru 968,926,949,448 6,763,871,394 2,439,086,084 978,129,906,926 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (1,943,170,455) (523,497,386) (75,663,615) (2,542,331,456) (exclude write off)
Transfer ke Tahap 1 (11,763,574,034) 8,223,138,978 3,540,435,056 -- Transfer to Stage 1
Transfer ke Tahap 2 502,397,635 (523,293,127) 20,895,492 -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali (771,075,779,861) (154,806,756) (3,540,500) (771,234,127,117) Remeasurement
Penghapusbukuan (18,139,779,737) (5,130,966,395) (812,450,510) (24,083,196,642) Write off
Nilai tercatat bruto akhir 7,364,698,588,520 15,008,862,131 6,000,416,632 7,385,707,867,283 Ending gross carrying amount
66
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
31 Desember/ December 31 , 2022
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Nilai tercatat bruto awal 2,123,323,172,750 63,557,034,481 11,362,393,468 2,198,242,600,699 Initial gross carrying amount
Aset baru 5,382,823,812,274 6,348,488,558 891,654,625 5,390,063,955,457 New assets originated
Aset dihentikan pengakuannya Assets derecognized
atau dilunasi (kecuali or repaid
hapus buku) (633,906,860,862) (63,537,872,203) (11,362,393,468) (708,807,126,533) (exclude write off)
Transfer ke Tahap 1 -- -- -- -- Transfer to Stage 1
Transfer ke Tahap 2 -- -- -- -- Transfer to Stage 2
Transfer ke Tahap 3 -- -- -- -- Transfer to Stage 3
Pengukuran kembali 326,211,301,730 24,677,773 12,833,386 326,248,812,889 Remeasurement
Penghapusbukuan (179,759,462) (10,254,676) -- (190,014,138) Write off
Nilai tercatat bruto akhir 7,198,271,666,430 6,382,073,933 904,488,011 7,205,558,228,374 Ending gross carrying amount
7) Perubahan cadangan kerugian 7) The changes of allowance for
penurunan nilai adalah sebagai impairment losses are as follows:
berikut:
2023
Kerugian kredit Kerugian kredit
ekspektasi ekspektasi
sepanjang sepanjang
Kerugian kredit umurnya-kredit umurnya-kredit
Ekspektasi 12 tidak memburuk/ memburuk/
Bulan/12 monts Lifetime ECL no Lifetime ECL
ECL credit impaired credit impaired Jumlah/Total
Saldo awal 50,970,914,599 1,153,468,700 356,436,604 52,480,819,903 Beginning balance
Transfer ke kerugian kredit
ekspektasi 12 bulan 2,790,697,898 -- (2,790,697,898) -- Transfer to 12 months ECL
Transfer ke kerugian kredit
ekspektasi sepanjang
umurnya - kredit tidak Transfer to lifetime ECL
memburuk (982,091,371) -- 982,091,371 -- no credit impaired
Penambahan cadangan kerugian Additional of allowance for impairment
penurunan nilai (Catatan 30) 3,144,163,370 2,790,697,898 41,980,331,375 47,915,192,643 losses (Note 30)
Penghapusan selama
tahun berjalan -- -- (38,197,884,567) (38,197,884,567) Write-off during the year
Saldo akhir 55,923,684,496 3,944,166,598 2,330,276,885 62,198,127,979 Ending balance
2022
Kerugian kredit Kerugian kredit
ekspektasi ekspektasi
sepanjang sepanjang
Kerugian kredit umurnya-kredit umurnya-kredit
Ekspektasi 12 tidak memburuk/ memburuk/
Bulan/12 monts Lifetime ECL no Lifetime ECL
ECL credit impaired credit impaired Jumlah/Total
Saldo awal 14,717,419,848 7,019,267,846 5,193,877,190 26,930,564,884 Beginning balance
Transfer ke kerugian kredit
ekspektasi 12 bulan 1,876,661,273 -- (1,876,661,273) -- Transfer to 12 months ECL
Transfer ke kerugian kredit
ekspektasi sepanjang Transfer to lifetime ECL
umurnya - kredit memburuk 1,151,795,667 -- (1,151,795,667) -- credit impaired
Penambahan cadangan kerugian Additional of allowance for impairment
penurunan nilai (Catatan 30) 39,553,981,980 976,315,177 3,547,577,655 44,077,874,812 losses (Note 30)
Pengalihan ke Perusahaan Transfer to a company under
sepengendali (6,328,944,169) (6,842,114,323) (5,042,950,862) (18,214,009,354) common control
Penghapusan selama
tahun berjalan -- -- (313,610,439) (313,610,439) Write-off during the year
Saldo akhir 50,970,914,599 1,153,468,700 356,436,604 52,480,819,903 Ending balance
Manajemen berpendapat bahwa The management believes that the
jumlah cadangan kerugian penurunan allowance for impairment losses on
nilai atas kredit yang diberikan telah loans were adequate.
memadai.
Dalam rangka usaha Bank untuk lebih In the framework of the Bank's
fokus pada layanan digital, Bank telah business to focus more on digital
mengalihkan kredit kepada PT Bank services, Bank has transferred loans to
Mega Tbk dengan nilai tercatat PT Bank Mega Tbk with a carrying
sebesar Rp685.134.740.474 dan nilai value amounted to Rp685,134,740,474
pengalihan sebesar and transfer value amounted to
Rp698.092.925.395 pada 6 Juni 2022 Rp698,092,925,395 on June 6, 2022
(Catatan 36). (Note 36).
67
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
11. Pendapatan Bunga yang Masih akan 11. Interest Receivables
Diterima
Pada tanggal 31 Desember 2023 dan 2022, As at December 31, 2023 and 2022, the details
rincian pendapatan bunga yang masih akan of interest receivables are as follows:
diterima adalah sebagai berikut:
2023 2022
Pihak berelasi (Catatan 36) Related parties (Note 36)
Penempatan pada bank lain 593,888,889 -- Placement with other banks
Kredit yang diberikan 483,923,495 305,189,807 Loans
1,077,812,384 305,189,807
Pihak ketiga Third parties
Penempatan pada Bank Indonesia 87,448,988 101,205,605 Placement with other banks
Kredit yang diberikan 19,956,272,913 17,308,420,573 Loans
Efek-efek 59,400,118,512 33,082,732,034 Marketable securities
79,443,840,413 50,492,358,212
Jumlah 80,521,652,797 50,797,548,019 Total
12. Biaya Dibayar Di Muka 12. Prepaid Expenses
2023 2022
Pemeliharaan perangkat lunak 12,856,733,389 21,575,253,109 Software maintenance
Asuransi 6,082,147,039 1,707,219,945 Insurance
Iklan dan promosi 5,772,285,561 16,009,833,353 Advertising and promotions
Iuran keanggotaan 582,426,340 438,510,276 Membership fee
Jasa konsultasi 131,350,000 451,092,332 Consultant fee
Lainnya -- 263,692,546 Others
Jumlah 25,424,942,329 40,445,601,561 Total
13. Aset Tetap dan Aset Hak Guna 13. Fixed Assets and Right-Of-Use-Assets
2023
1 Januari/ 31 Desember/
January 1, Penambahan/ Pelepasan/ Reklasifikasi/ December 31,
2023 Additions Disposals Reclasifications 2023
Kepemilikan langsung Direct ownership
Model biaya: At cost model:
Renovasi bangunan Building renovations
atau instalasi 23,105,104,180 1,052,632,651 (15,181,250) -- 24,142,555,581 or installations
Kendaraan 1,544,815,000 771,400,000 -- -- 2,316,215,000 Vehicles
Peralatan kantor 104,220,343,752 13,849,506,790 (1,168,902,457) -- 116,900,948,085 Office equipment
Aset dalam penyelesaian -- 72,657,443,805 -- -- 72,657,443,805 Asset under construction
Jumlah harga perolehan 128,870,262,932 88,330,983,246 (1,184,083,707) -- 216,017,162,471 Total cost
Aset hak guna 52,961,925,256 4,942,668,252 -- (6,320,556,794) 51,584,036,714 Right-of-use of assets
Jumlah 181,832,188,188 93,273,651,498 (1,184,083,707) (6,320,556,794) 267,601,199,185 Total
Akumulasi penyusutan Accumulated depreciation
Model biaya: At cost model:
Renovasi bangunan Building renovations
atau instalasi 1,957,077,996 4,730,549,887 (15,181,250) -- 6,672,446,633 or installations
Kendaraan 117,503,750 370,896,333 -- -- 488,400,083 Vehicles
Peralatan kantor 11,872,204,483 23,987,673,970 (1,158,640,112) -- 34,701,238,341 Office equipment
13,946,786,229 29,089,120,190 (1,173,821,362) -- 41,862,085,057
Aset hak guna 13,076,509,230 411,889,021 -- 9,726,402,907 23,214,801,158 Right-of-use of assets
Jumlah akumulasi Total accumulated
penyusutan 27,023,295,459 29,501,009,211 (1,173,821,362) 9,726,402,907 65,076,886,215 depreciation
Jumlah tercatat - neto 154,808,892,729 202,524,312,970 Net carrying amount
68
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2022
1 Januari/ 31 Desember/
January 1, Penambahan/ Pelepasan/ Reklasifikasi/ December 31,
2022 Additions Disposals Reclasifications 2022
Kepemilikan langsung Direct ownership
Model revaluasi: At revaluation model:
Tanah 18,093,450,000 -- (18,093,450,000) -- -- Land
Bangunan 7,447,550,000 -- (7,447,550,000) -- -- Buildings
Model biaya: At cost model:
Renovasi bangunan Building renovations
atau instalasi 12,390,248,074 23,089,922,930 (12,375,066,824) -- 23,105,104,180 or installations
Kendaraan 434,392,000 1,519,510,000 (409,087,000) -- 1,544,815,000 Vehicles
Peralatan kantor 13,579,353,941 101,285,530,719 (10,644,540,908) -- 104,220,343,752 Office equipment
Jumlah harga perolehan 51,944,994,015 125,894,963,649 (48,969,694,732) -- 128,870,262,932 Total cost
Aset hak guna 17,082,658,455 48,639,965,760 (12,760,698,959) -- 52,961,925,256 Right-of-use of assets
Jumlah 69,027,652,470 174,534,929,409 (61,730,393,691) -- 181,832,188,188 Total
Akumulasi penyusutan Accumulated depreciation
Model revaluasi: At revaluation model:
Bangunan 2,265,296,458 155,157,292 (2,420,453,750) -- -- Buildings
Model biaya: At cost model:
Renovasi bangunan Building renovations
atau instalasi 11,771,478,984 2,003,542,994 (11,817,943,982) -- 1,957,077,996 or installations
Kendaraan 427,812,417 97,846,666 (408,155,333) -- 117,503,750 Vehicles
Peralatan kantor 12,517,179,902 9,364,283,399 (10,009,258,818) -- 11,872,204,483 Office equipment
26,981,767,761 11,620,830,351 (24,655,811,883) -- 13,946,786,229
Aset hak guna 11,922,648,086 13,914,560,103 (12,760,698,959) -- 13,076,509,230 Right-of-use of assets
Jumlah akumulasi Total accumulated
penyusutan 38,904,415,847 25,535,390,454 (37,416,510,842) -- 27,023,295,459 depreciation
Jumlah tercatat - neto 30,123,236,623 154,808,892,729 Net carrying amount
Beban penyusutan aset tetap yang dibebankan Depreciation expense of fixed assets charged
pada beban umum dan administrasi untuk to general and administrative expenses for the
tahun-tahun yang berakhir pada tanggal years ended December 31, 2023 and 2022 are
31 Desember 2023 dan 2022 adalah masing- Rp29,089,120,190 and Rp11,620,830,351,
masing sebesar Rp29.089.120.190 dan respectively (Note 31a).
Rp11.620.830.351 (Catatan 31a).
Aset tetap kecuali tanah, diasuransikan Fixed assets except for land, are covered by
terhadap kebakaran dan risiko kerugian insurance against losses by fire and other risks
lainnya kepada PT Asuransi Umum Mega, PT Asuransi Umum Mega, a related party, with
pihak berelasi, dengan jumlah pertanggungan sum insured amounting to Rp177,680,427,909
masing-masing sebesar Rp177.680.427.909 and Rp17,010,895,337 as at December 31,
dan Rp17.010.895.337 pada tanggal 2023 and 2022, respectively. Management
31 Desember 2023 dan 2022. Manajemen believes that the insurance coverage is
berpendapat bahwa nilai pertanggungan adequate to cover possible losses.
tersebut telah memadai untuk menutup
kemungkinan terjadi kerugian.
Persentase tingkat penyelesaian aset dalam The percentage of completion of the
penyelesaian pada tanggal 31 Desember 2023 constructions in progress as December 31,
berkisar antara 50% - 75% dari nilai kontrak. 2023 ranges from 50% - 75% of the contract
Aset dalam penyelesaian terdiri dari bangunan values. Constructions in progress consist of
dan peralatan kantor dan diperkirakan akan buildings and office equipment and are
selesai dalam waktu kurang dari 1 tahun estimated to be completed in less than a year
setelah tanggal laporan posisi keuangan. after the statement of financial position date.
Rincian keuntungan penjualan aset tetap Details of gain on sale of fixed assets are as
adalah sebagai berikut: follows:
2023 2022
Hasil penjualan aset tetap 19,043,262 24,628,910,318 Proceeds on sale of fixed assets
Nilai buku (10,262,345) (24,313,882,849) Book value
Laba Penjualan Aset Tetap (Catatan 33) 8,780,917 315,027,469 Gain on Sale of Fixed Assets (Note 33)
69
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Manajemen berpendapat bahwa tidak terdapat Management believes that there is no
perbedaan yang signifikan antara nilai wajar significant difference between the fair value
dan nilai tercatat aset selain tanah dan and carrying value of assets other than land
bangunan jika diukur menggunakan nilai wajar. and buildings if have been measured at fair
value basis.
Berdasarkan penelaahan aset tetap secara By individual review of fixed assets at the end
individual pada akhir tahun, manajemen Bank of the year, the Bank’s management believes
berpendapat bahwa tidak ada indikasi there is no indication for impairment in the
penurunan nilai aset tetap yang dimiliki oleh value of Bank’s fixed assets.
Bank.
Pada tanggal 31 Desember 2023 dan 2022, As at December 31, 2023 and 2022, the gross
jumlah tercatat bruto dari setiap aset tetap amount of fixed assets which have been fully
yang telah disusutkan penuh dan masih depreciated and are still used amounted to
digunakan adalah masing-masing sebesar Rp1,499,487,085 and Rp2,420,130,064,
Rp1.499.487.085 dan Rp2.420.130.064. respectively.
Dalam rangka usaha Bank untuk lebih fokus In the framework of the Bank's business to
pada layanan digital, pada tanggal 6 Juni focus more on digital services, on June, 6
2022 Bank telah mengalihkan aset tetap dan 2022, Bank has transferred fixed assets and
inventaris kepada PT Bank Mega Tbk dengan equipment to PT Bank Mega Tbk with a
nilai tercatat sebesar Rp24.285.717.261 dan carrying value amounted to Rp24,285,717,261
nilai pengalihan sebesar Rp29.382.197.890 and transfer value amounted to
(Catatan 36). Rp29,382,197,890 (Note 36).
Aset hak-guna per 31 Desember 2023 dan Right-of-use assets as of December 31, 2023
2022 adalah sebagai berikut: and 2022 are as follows:
2023
Saldo awal/ Penambahan/ Pengurangan/ Reklasifikasi/ Saldo akhir/
Beginning balance Addition Deductions Reclassification Ending balance
Biaya perolehan Acquisition cost
Bangunan 52,961,925,256 4,942,668,252 -- (6,320,556,794) 51,584,036,714 Buildings
52,961,925,256 4,942,668,252 -- (6,320,556,794) 51,584,036,714
Akumulasi penyusutan Accumulated depreciation
Bangunan 13,076,509,230 411,889,021 -- 9,726,402,907 23,214,801,158 Buildings
13,076,509,230 411,889,021 -- 9,726,402,907 23,214,801,158
Nilai buku-neto 39,885,416,026 28,369,235,556 Net book value
2022
Saldo awal/ Penambahan/ Pengurangan/ Reklasifikasi/ Saldo akhir/
Beginning balance Addition Deductions Reclassification Ending balance
Biaya perolehan Acquisition cost
Bangunan 17,082,658,455 48,639,965,760 (12,760,698,959) -- 52,961,925,256 Buildings
17,082,658,455 48,639,965,760 (12,760,698,959) 52,961,925,256
Akumulasi penyusutan Accumulated depreciation
Bangunan
Kendaraan
Lainnya bermotor 11,922,648,086
-- 13,914,560,103 (12,760,698,959) -- 13,076,509,230
-- Buildings
Vehicles
Others
11,922,648,086 13,914,560,103 (12,760,698,959) 13,076,509,230
Nilai buku-neto 5,160,010,369 39,885,416,026 Net book value
Beban penyusutan aset hak-guna untuk Depreciation expense of right-of-use assets
periode yang berakhir pada tanggal 31 for the period ended December 31, 2023 and
Desember 2023 dan 2022 masing-masing 2022 amounted to Rp10,138,291,928 dan
sebesar Rp10.138.291.928 dan Rp13,914,560,103 respectively (Note 31a).
Rp13.914.560.103 (Catatan 31a).
70
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Berikut ini ringkasan komponen liabilitas sewa The following summarize the component of
yang disajikan pada laporan laba rugi dan lease liabilities presented in statement of
laporan arus kas: profit or loss and statement of cash flows:
2023 2022
Jumlah diakui di laba rugi Amounts recognized in profit loss
Beban bunga atas liabilitas sewa (Catatan 31) 1,352,120,846 -- Interest expense on lease liabilities (Note 31)
Beban penyusutan aset hak guna (Catatan 31) 10,138,291,928 13,914,560,103 Depreciation of right of used assets (Note 31)
Beban terkait liabilitas sewa dengan Expenses relating to short-term or
nilai rendah atau jangka pendek (Catatan 31) 1,452,579,758 4,298,829,714 low value lease liabilities (Note 31)
Jumlah diakui dalam laporan arus kas Amounts recognized in cash flows
Jumlah kas keluar untuk Total cash outflow
pembayaran liabilitas sewa (13,292,386,412) (14,522,851,186) for payment of leases
Rekonsiliasi liabilitas sewa adalah sebagai The reconciliation of lease liabilities are as
berikut: follows:
2023 2022
Saldo awal 37,366,801,533 3,291,684,000 Beginning balance
Arus kas (13,292,386,412) (14,522,851,186) Cash Flow
Perubahan non kas Non-cash movement
Penambahan 1,564,442,507 48,597,968,719 Additions
Saldo akhir (Catatan 23) 25,638,857,628 37,366,801,533 Ending balance (Note 23)
14. Aset Takberwujud 14. Intangible Assets
2023
1 Januari/ 31 Desember/
January 1, Penambahan/ Pengurangan/ Reklasifikasi/ December 31,
2023 Additions Disposals Reclasifications 2023
Harga perolehan At cost
Perangkat lunak 77,956,436,833 2,466,187,200 (143,000,000) -- 80,279,624,033 Software
Aset dalam penyelesaian -- 10,038,490,524 -- -- 10,038,490,524 Asset under construction
Jumlah harga perolehan 77,956,436,833 12,504,677,724 (143,000,000) -- 90,318,114,557 Total cost
Akumulasi amortisasi Accumulated amortization
Perangkat lunak 16,013,459,877 14,467,894,450 (143,000,000) -- 30,338,354,327 Software
Nilai tercatat - neto 61,942,976,956 -- 59,979,760,230 Net carrying value
2022
1 Januari/ 31 Desember/
January 1, Penambahan/ Pengurangan/ Reklasifikasi/ December 31,
2022 Additions Disposals Reclasifications 2022
Harga perolehan At cost
Perangkat lunak 12,209,907,554 65,746,529,279 -- -- 77,956,436,833 Software
Aset dalam penyelesaian -- -- -- -- -- Asset under construction
Jumlah harga perolehan 12,209,907,554 65,746,529,279 -- -- 77,956,436,833 Total cost
Akumulasi amortisasi Accumulated amortization
Perangkat lunak 8,665,626,795 7,347,833,082 -- -- 16,013,459,877 Software
Nilai tercatat - neto 3,544,280,759 61,942,976,956 Net carrying value
Beban amortisasi yang dibebankan dalam Amortization expense charged to general and
beban umum dan administrasi untuk tahun- administrative expenses for the years ended
tahun yang berakhir 31 Desember 2023 dan December 31, 2023 and 2022 amounted to
2022 adalah masing-masing sebesar Rp14,467,894,450 and Rp7,347,833,082,
Rp14.467.894.450 dan Rp7.347.833.082 respectively (Note 31a).
(Catatan 31a).
Persentase tingkat penyelesaian aset dalam The percentage of completion of the
penyelesaian pada tanggal 31 Desember 2023 constructions in progress as December 31,
berkisar antara 50% - 75% dari nilai kontrak. 2023 ranges from 50% - 75% of the contract
Aset dalam penyelesaian terdiri dari perangkat values. Constructions in progress consist of
lunak yang diperkirakan akan selesai dalam software and are estimated to be completed in
waktu kurang dari 1 tahun setelah tanggal less than a year after the statement of financial
laporan posisi keuangan. position date.
71
Page 592
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Manajemen berpendapat bahwa tidak Management believes that there is no
terdapat penurunan nilai atas aset impairment in intangible assets as
takberwujud pada tanggal 31 Desember 2023 December 31, 2023 and 2022.
dan 2022.
15. Aset Lain-Lain 15. Other Assets
2023 2022
Piutang terkait transaksi ATM 11,025,642,905 8,788,081,057 Receivable from transaction related to ATM
Uang muka 7,375,817,900 4,503,870,847 Advance
Setoran jaminan 2,449,163,201 3,473,943,460 Security deposits
Persediaan buku, barang cetakan Inventories of books, printed
dan materai 1,266,625,367 1,302,297,255 materials and stamp duty
Tagihan pengembalian pajak 320,978,066 1,043,090,259 Claim for tax refund
Piutang nasabah -- 43,762,936,000 Receivables from customer
Lain-lain 37,494,915 502,982,104 Others
Jumlah 22,475,722,354 63,377,200,982 Total
Agunan yang diambil alih Foreclosed assets
Agunan yang diambil alih merupakan jaminan Foreclosed assets represent loan collaterals
kredit yang diberikan berupa tanah, bangunan such as lands, buildings and vehicles that
dan kendaraan yang telah diambil alih oleh have been foreclosed by the Bank.
Bank.
Mutasi agunan yang diambil alih (bruto) adalah The changes in foreclosed assets (gross) are
sebagai berikut: as follows:
2023 2022
Saldo awal tahun -- 227,927,096,280 Balance at beginning of the year
Penjualan nilai buku -- (227,927,096,280) Sale of book value
Saldo agunan yang diambil alih -- -- Balance of foreclosed assets
Rincian kerugian penjualan agunan yang Details of loss on sale of foreclosed assets are
diambil alih adalah sebagai berikut: as follows:
2023 2022
Hasil penjualan agunan yang diambil alih -- 223,095,528,259 Proceeds from sale of foreclosed assets
Nilai buku -- (227,927,096,280) Book value
Kerugian penjualan Loss on sale of foreclosed
agunan yang diambil alih (Catatan 33) -- (4,831,568,021) assets (Note 33)
Mutasi cadangan kerugian penurunan nilai The changes in allowance impairment for
agunan yang diambil alih adalah sebagai losses on foreclosed assets are as follows:
berikut:
2023 2022
Saldo awal tahun -- 6,922,942,446 Balance at beginning of the year
Pengurangan selama tahun berjalan -- (6,922,942,446) Deduction during the year
Saldo akhir tahun -- -- Balance at end of the year
Manajemen Bank berpendapat bahwa jumlah The Bank’s management believes that the
cadangan kerugian penurunan nilai agunan allowances for impairment losses on
yang diambil alih adalah cukup untuk menutup foreclosed assets are adequate to cover
kerugian yang mungkin timbul. losses that may arise.
72
Page 593
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Manajemen Bank berpendapat bahwa saldo The Bank’s management believes that the
agunan yang diambil alih merupakan nilai foreclosed assets balance represents net
bersih yang dapat direalisasi. realizable value.
Dalam rangka usaha Bank untuk lebih fokus In the framework of the Bank's business to
pada layanan digital, pada tanggal 6 Juni 2022, focus more on digital services, on June 6,
Bank telah mengalihkan agunan yang diambil 2022, Bank has transferred foreclosed assets
alih dan properti terbengkalai kepada PT Bank and abandoned properties to PT Bank Mega
Mega Tbk dengan nilai tercatat masing-masing Tbk with a carrying value of
sebesar Rp172.355.510.798 dan Rp172,355,510,798 and Rp4,749,591,250
Rp4.749.591.250 dan nilai pengalihan masing- respectively amounting to Rp175,355,510,798
masing sebesar Rp175.355.510.798 dan and Rp5,300,000,000 (Note 36).
Rp5.300.000.000 (Catatan 36).
Tagihan Pengembalian Pajak Claim for Tax Refund
Perusahaan menerima pengembalian sanksi The company received a refund of 2017
PPh badan 2017 sebesar Rp671.972.193 corporate income tax sanctions amounting to
dan sanksi Angsuran PPh badan 2018 Rp671,972,193 and 2018 corporate income tax
sebesar Rp50.140.000. installment sanctions amounting to
Rp50,140,000.
Tagihan pengembalian pajak merupakan Claim for tax refund represents the tax claim of
tagihan atas tahun-tahun pajak berikut: the following fiscal year:
2023 2022
Tahun pajak 2015 120,323,746 120,323,746 Fiscal year 2015
Tahun pajak 2016 200,454,320 200,454,320 Fiscal year 2016
Tahun pajak 2017 -- 671,972,193 Fiscal year 2017
Tahun pajak 2018 200,000 50,340,000 Fiscal year 2018
Jumlah 320,978,066 1,043,090,259 Total
Setoran Jaminan Security Deposits
Setoran jaminan terdiri atas deposit ATM Security deposits consist of deposits in ATM
ALTO, ATM PRIMA, deposit jaringan telepon ALTO, ATM PRIMA, line telephone deposits
dan deposit sewa. and rent deposits.
Uang Muka Advance
Peningkatan uang muka tahun 2023 Increase advance in 2023 represents an
merupakan uang muka pengadaan advance for the procurement of technology
infrastruktur teknologi produk dan layanan infrastructure for digital products and services.
digital.
Lainnya Others
Lainnya terdiri atas tagihan ATM, uang muka Others consist of ATM, advance for auction
pembayaran biaya lelang atas agunan yang fees on foreclosed assets, loan settlement and
diambil alih, penyelesaian kredit dan nasabah customer receivables and others.
serta lainnya.
16. Liabilitas Segera 16. Obligations Due Immediately
Liabilitas segera terutama terdiri dari transaksi Obligations due immediately mainly consist of
kliring atau transfer nasabah yang belum clearing transactions or unsettled customers’
diselesaikan. money transfer.
73
Page 594
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
17. Efek-Efek yang Dijual dengan Janji Dibeli 17. Securities Sold Under Repurchased
Kembali Agreement
2023
Liabilitas Beban bunga
pembelian yang belum
Nilai nominal/ Tanggal Tanggal kembali/ diamortisasi/ Nilai tercatat/
Nasabah/ Jenis efek-efek/ Nominal dimulai/ jatuh tempo/ Repurchased Unamortised Carrying
Counterparties Type of securities amount Starting date Maturity date liabilities interest value
Pihak ketiga/
Third parties
Bank Indonesia Obligasi Pemerintah/ 28 Desember / 4 Januari /
Government Bonds 300,000,000,000 December 28, 2023 January 4, 2024 286,479,629,740 149,027,032 286,330,602,708
Bank Indonesia Obligasi Pemerintah/ 29 Desember / 5 Januari /
Government Bonds 150,000,000,000 December 29, 2023 January 5, 2024 139,144,493,958 96,510,833 139,047,983,125
PT BPD Jawa Timur Tbk Obligasi Pemerintah/ 29 Desember / 5 Januari /
Government Bonds 200,000,000,000 December 29, 2023 January 5, 2024 186,038,614,167 129,036,667 185,909,577,500
650,000,000,000 611,662,737,865 374,574,532 611,288,163,333
Tingkat suku bunga rata-rata tertimbang The weighted average of interest rate per
setahun untuk efek-efek yang dijual dengan annum for securities sold under repurchased
janji dibeli kembali untuk tahun berakhir pada agreement for the year ended December 31,
31 Desember 2023 adalah 6,25%. 2023 was 6.25%.
Informasi mengenai jatuh tempo diungkapkan Information in respect of maturities are
pada Catatan 40. Informasi mengenai disclosed in Note 40. Information with regards
klasifikasi dan nilai wajar diungkapkan pada to the classification and fair value are
Catatan 41. disclosed in Note 41.
18. Simpanan Nasabah 18. Deposits from Customers
Simpanan nasabah berdasarkan jenis dan Deposits from customers by type and currency
mata uang terdiri dari: consists of:
2023 2022
Rupiah Rupiah
Giro 48,190,454,891 39,857,338,986 Current accounts
Tabungan 465,110,207,860 309,248,627,187 Saving deposits
Deposito berjangka 4,385,365,428,568 4,066,541,946,558 Time deposits
Jumlah 4,898,666,091,319 4,415,647,912,731 Total
a. Giro terdiri dari: a. Current accounts consists of:
2023 2022
Pihak berelasi (Catatan 36) 7,186,778,203 4,397,318,920 Related parties (Note 36)
Pihak ketiga 41,003,676,688 35,460,020,066 Third parties
Jumlah 48,190,454,891 39,857,338,986 Total
Tingkat suku bunga The average interest
rata-rata per tahun rates per annum
Rupiah 3.00% 2.00% Rupiah
Tidak terdapat giro yang diblokir dan There are no current accounts restricted
dijadikan jaminan kredit atau fasilitas and pledged as loan collateral or other
perbankan lainnya pada tanggal banking facility as at December 31, 2023
31 Desember 2023 dan 2022. and 2022.
74
Page 595
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
b. Tabungan terdiri dari: b. Saving deposits consists of:
2023 2022
Pihak berelasi (Catatan 36) Related parties (Note 36)
Tabungan Escrow -- 941,078 Escrow Saving
Jumlah pihak berelasi -- 941,078 Total related parties
Pihak ketiga Third parties
Tabungan Allo Prime 413,014,588,417 309,231,178,743 Allo Prime Saving
Tabungan Escrow 13,205 16,507,366 Escrow Saving
Tabungan Allo Grow 52,095,606,238 -- Allo Grow Saving
Jumlah pihak ketiga 465,110,207,860 309,247,686,109 Total third parties
Jumlah tabungan 465,110,207,860 309,248,627,187 Total saving deposits
Tingkat suku bunga The average interest
rata-rata per tahun rates per annum
Rupiah 4.00% 4.00% Rupiah
Tidak terdapat giro yang diblokir dan There are no current accounts restricted
dijadikan jaminan kredit atau fasilitas and pledged as loan collateral or other
perbankan lainnya pada tanggal banking facility as at December 31, 2023
31 Desember 2023 dan 2022. and 2022.
c. Deposito berjangka terdiri dari: c. Time deposits consists of:
2023 2022
Pihak berelasi (Catatan 36) 1,211,021,904,479 2,008,252,096,662 Related parties (Note 36)
Pihak ketiga 3,174,343,524,089 2,058,289,849,896 Third parties
Jumlah 4,385,365,428,568 4,066,541,946,558 Total
Rincian deposito berjangka berdasarkan The details of time deposits as at December
jatuh tempo pada tanggal 31 Desember 31, 2023 and 2022 by maturity are as
2023 dan 2022 adalah sebagai berikut: follows:
Berdasarkan jangka waktu kontrak By terms of the contract
2023 2022
Pihak berelasi Related parties
< 1 bulan 8,400,000,000 -- < 1 month
1 bulan 1,192,494,479,467 2,008,252,096,662 1 month
3 bulan 7,307,100,980 -- 3 months
6 bulan 25,322,560 -- 6 months
Lebih dari 12 bulan 2,795,001,472 -- Over 12 months
Jumlah pihak berelasi 1,211,021,904,479 2,008,252,096,662 Total related parties
Pihak ketiga Third parties
< 1 bulan 959,260,000,000 -- < 1 month
1 bulan 1,224,186,968,639 1,686,350,327,185 1 month
3 bulan 910,707,058,855 341,672,964,293 3 months
6 bulan 73,469,055,594 17,919,703,908 6 months
Lebih dari 12 bulan 6,720,441,001 12,346,854,510 Over 12 months
Jumlah pihak ketiga 3,174,343,524,089 2,058,289,849,896 Total third parties
Jumlah 4,385,365,428,568 4,066,541,946,558 Total
75
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Berdasarkan sisa umur jatuh tempo By remaining period until maturity
2023 2022
Pihak berelasi Related parties
Sampai dengan 1 bulan 1,203,106,472,614 2,008,252,096,662 Until 1 month
Lebih dari 1 - 3 bulan 5,592,933,618 -- Over 1 - 3 months
Lebih dari 3 - 6 bulan -- -- Over 3 - 6 months
Lebih dari 6 - 12 bulan 2,310,288,000 -- Over 6 - 12 months
Lebih dari 12 bulan 12,210,247 -- Over 12 months
Jumlah pihak berelasi 1,211,021,904,479 2,008,252,096,662 Total related parties
Pihak ketiga Third parties
Sampai dengan 1 bulan 2,298,695,920,733 1,769,915,623,911 Until 1 month
Lebih dari 1 - 3 bulan 830,745,578,560 269,164,745,923 Over 1 - 3 months
Lebih dari 3 - 6 bulan 40,882,574,490 9,047,625,552 Over 3 - 6 months
Lebih dari 6 - 12 bulan 3,806,448,988 8,404,952,422 Over 6 - 12 months
Lebih dari 12 bulan 213,001,318 1,756,902,088 Over 12 months
Jumlah pihak ketiga 3,174,343,524,089 2,058,289,849,896 Total third parties
Jumlah 4,385,365,428,568 4,066,541,946,558 Total
Tingkat suku bunga The average interest rates
rata-rata per tahun per annum
Rupiah 4.18% 6.25% Rupiah
Tidak terdapat deposito berjangka yang There are no time deposits restricted and
diblokir dan dijadikan jaminan kredit atau pledged as loan collateral or other banking
fasilitas perbankan lainnya pada tanggal facility as at December 31, 2023 and 2022.
31 Desember 2023 dan 2022.
Dalam rangka usaha Bank untuk lebih fokus In the framework of the Bank's business to
pada layanan digital, pada tanggal 6 Juni 2022, focus more on digital services, on June 6,
Bank telah mengalihkan simpanan nasabah 2022, Bank has transferred current accounts to
kepada PT Bank Mega Tbk dengan nilai PT Bank Mega Tbk with a carrying value
tercatat sebesar Rp566.293.741.013 dan nilai amounted to Rp566,293,741,013 and transfer
pengalihan sebesar Rp566.293.741.013 value amounted to Rp566,293,741,013
(Catatan 36). (Note 36).
19. Simpanan dari Bank Lain 19. Deposits from Other Banks
Rincian simpanan dari bank lain adalah The details of desposits from other banks are
sebagai berikut: as follows:
2023 2022
Rupiah Rupiah
Pihak berelasi (Catatan 36) Related parties (Note 36)
Tabungan 37,389 39,873 Saving accounts
Pihak ketiga Third parties
Call money 45,000,000,000 -- Call money
Jumlah pihak ketiga 45,000,000,000 -- Total third parties
Jumlah 45,000,037,389 39,873 Total
Call money berdasarkan jangka waktu terdiri Call money based on period consists of:
dari:
2023 2022
Call money Call money
1 bulan 45,000,000,000 -- 1 month
Jumlah 45,000,000,000 -- Total
76
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Tingkat suku bunga rata-rata per tahun: The average interest rates per annum:
2023 2022
Tabungan 0.00% 0.00% Saving accounts
Call money 6.20% -- Call money
Tidak ada simpanan dari bank lain yang There are no deposits from other banks
diblokir dan/atau dijadikan jaminan kredit atau restricted and/or pledged as loan collateral or
transaksi/fasilitas perbankan lainnya pada other banking facility as at December 31, 2023
tanggal 31 Desember 2023 dan 2022. and 2022.
20. Perpajakan 20. Taxation
a. Utang pajak a. Taxes payables
2023 2022
Pajak penghasilan Income taxes
Pasal 4 (2) 4,698,521,224 3,675,450,123 Article 4 (2)
Pasal 21 4,682,593,384 2,236,199,760 Article 21
Pasal 23 159,280,565 316,855,505 Article 23
Pasal 29 10,543,622,872 4,396,040,625 Article 29
PPN 4,721,917 409,168 VAT
Jumlah 20,088,739,962 10,624,955,181 Total
b. Beban pajak b. Tax expenses
2023 2022
Pajak kini (127,158,847,967) (78,895,040,625) Current tax
Pajak tangguhan (3,549,291,864) (3,387,476,399) Deferred tax
Jumlah (130,708,139,831) (82,282,517,024) Total
Rekonsiliasi antara laba sebelum pajak The reconciliation of income before income
penghasilan menurut laba rugi dengan tax in accordance to the profit or loss with
laba fiskal untuk tahun yang berakhir the estimated taxable income for the years
31 Desember 2023 dan 2022 adalah ended December 31, 2023 and 2022 are as
sebagai berikut: follows:
2023 2022
Laba akuntansi sebelum Accounting Income before
beban pajak - Bank 575,274,274,135 352,311,928,217 tax income - Bank
Beda waktu : Timing differences :
Pemulihan cadangan
kerugian penurunan Reversal for impairment
nilai aset produktif 6,458,320,748 533,126,122 losses on earning assets
Penyisihan (pemulihan cadangan) Provision (reversal) for
kerugian penurunan impairment losses
nilai aset non-produktif -- (6,922,942,445) on non-earning assets
Imbalan pasca-kerja 2,538,953,022 (4,162,034,976) Post-employment benefits
Penyusutan aset tetap dan Depreciation of fixed assets and
amortisasi aset takberwujud (4,502,067,473) (4,845,768,695) amortization of intangible assets
Penyusutan aset hak guna 11,258,374,513 -- Depreciation on right of used assets
Liabilitas sewa (13,292,386,412) -- Lease liabilities
Jumlah beda waktu 2,461,194,398 (15,397,619,994) Total timing differences
77
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2023 2022
Beda tetap : Permanent differences :
Sumbangan 102,500,000 94,438,500 Donations
Lain-lain 156,794,955 21,605,074,300 Others
Jumlah beda tetap 259,294,955 21,699,512,800 Total permanent differences
Penghasilan kena pajak 577,994,763,488 358,613,821,023 Taxable income
Fiscal income (loss) after
Laba (rugi) fiskal setelah kompensasi 577,994,763,488 358,613,821,023 compensation
Beban pajak penghasilan badan 127,158,847,967 78,895,040,625 Corporate income tax expense
Dikurangi : Less :
Pajak dibayar muka PPh pasal 25 (116,615,225,095) (74,499,000,000) Prepaid tax article 25
Utang pajak penghasilan
badan 10,543,622,872 4,396,040,625 Corporate income tax payable
Rekonsiliasi antara beban pajak dengan Reconciliation between tax expense with
laba sebelum pajak dengan tarif pajak income before income tax using enacted
yang berlaku adalah sebagai berikut: tax rate are as follows:
2023 2022
Laba sebelum pajak
penghasilan 575,274,274,135 352,311,928,217 Income before income tax
Pajak penghasilan pada
tarif pajak yang berlaku (126,560,340,310) (77,508,624,208) Income tax at enacted tax rate
Pengaruh pajak atas penghasilan
yang tidak dapat diperhitungkan Tax affects on
menurut fiskal (4,147,799,521) (4,773,892,816) non-taxable income
Beban pajak (130,708,139,831) (82,282,517,024) Tax expense
Pada tahun 2023 dan 2022 penyusunan In 2023 and 2022 the preparation of the
Surat Pajak Tahunan didasarkan pada Annual Tax Return is based on Taxable
Penghasilan Kena Pajak. Income.
Pada bulan Oktober 2021, Pemerintah In October 2021, the Government of
Indonesia mengesahkan Undang-Undang Indonesia approved the Law No. 7 Year
No. 7 Tahun 2021 (“UU No.7/2021”) 2021 (“Law No. 7/2021”) related to
tentang harmonisasi peraturan harmonisation of tax regulations. Some
perpajakan. Beberapa tujuan UU purposes of Law No.7/2021 are to increase
No.7/2021 adalah untuk meningkatkan sustainable economic growth and support
pertumbuhan perekonomian yang the acceleration of economic recovery,
berkelanjutan dan mendukung percepatan realize a tax system that is more just with
pemulihan ekonomi, mewujudkan sistem legal certainty, implement administrative
perpajakan yang lebih berkeadilan dan reforms, taxation policies, and expansion
berkepastian hukum, melaksanakan of the tax base, as well as increasing
reformasi administrasi, kebijakan Taxpayer voluntary compliance.
perpajakan yang konsolidatif, dan
perluasan basis pajak, serta
meningkatkan kepatuhan sukarela Wajib
Pajak.
Sejumlah perubahan peraturan Some changes in tax regulations from the
perpajakan yang terjadi dengan implementation of Law No.7/2021, among
penerapan UU No.7/2021 antara lain others, are as follows:
adalah sebagai berikut:
a. Pemberlakuan tarif pajak penghasilan a. The application of the corporate income
badan menjadi 22% mulai Tahun tax rate to 22% starting from the 2022
Pajak 2022, dan Perusahaan Fiscal Year, and for domestic public
Terbuka dalam negeri yang listed companies that fulfill certain
memenuhi kriteria tertentu dapat additional criteria will be eligible for a tax
memperoleh tarif pajak sebesar 3% rate which is lower by 3% from the
lebih rendah dari tarif pajak yang abovementioned tax rate;
disebutkan di atas;
78
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
b. Kenaikan tarif PPN dari 10% menjadi b. VAT rate increase from 10% to 11%
11% yang mulai berlaku 1 April 2022, which will take effect on April 1, 2022,
kemudian menjadi 12% yang mulai then to 12% which will take effect no
berlaku paling lambat pada tanggal later than January 1, 2025;
1 Januari 2025;
c. Penyederhanaan PPN dengan tarif c. Simplification of VAT using final rate
final untuk barang atau jasa kena for certain taxable goods or services
pajak tertentu yang juga berlaku mulai which also applies from April 1, 2022;
1 April 2022;
d. Program pengungkapan sukarela bagi d. Voluntary disclosure program for
Wajib Pajak badan selama periode corporate taxpayers for the period
1 Januari - 30 Juni 2022, dengan January 1 - June 30, 2022, on the
basis aset atau harta yang diperoleh basis of asseets acquired during
selama 1 Januari 1985 - January 1, 1985 - December 31, 2015
31 Desember 2015 yang belum which were not disclosed when
diungkap pada saat mengikuti participating in the previous tax amnesty
program amnesti pajak sebelumnya. program.
Penerapan UU No.7/2021 berdampak The implementation of Law No.7/2021
pada pengukuran aset dan kewajiban affect the measurement of deferred tax
pajak kini dan tangguhan pada tanggal assets and liabilities as at December 31,
31 Desember 2023 dan 2022, yang diukur 2023 and 2022 which were measured using
menggunakan tarif pajak 22%. the applicable tax rate of 22%.
c. Liabilitas pajak tangguhan c. Deferred tax liabilities
2023
Dikreditkan Dikreditkan
(dibebankan) (dibebankan)
pada laporan ke penghasilan
Penyesuaian laba rugi/ komprehensif
saldo awal/ Credited lain/Credited Penyesuaian
Saldo awal/ Adjustment (charged) (charged) to other ke laba rugi/ Saldo akhir/
Beginning beginning to the income comprehensive Adjustment Ending
balance balance statement income to profit and loss balance
Penyusutan aset tetap, Depreciation of fixed assets,
amortisasi aset amortization of intangible
takberwujud dan surplus assets and surplus
revaluasi aset tetap (2,821,398,907) -- (990,454,843) -- -- (3,811,853,750) revaluation of fixed assets
Perubahan nilai wajar efek-efek
melalui penghasilan Changes on fair value through
komprehensif lain -- (10,042,011,294) -- (11,426,216,212) -- (21,468,227,506) other comprehensive income
Penyisihan kerugian Allowance for impairment
penurunan nilai losses on earning
aset produktif - kredit (428,852,620) -- 1,420,830,564 -- (3,937,554,105) (2,945,576,161) assets - loans
Liabilitas imbalan Post-employment benefits
pasca-kerja 2,318,064,417 -- 558,569,665 346,447,025 -- 3,223,081,107 obligation
Aset hak guna -- -- 2,476,842,393 -- (8,718,074,215) (6,241,231,822) Right of use assets
Liabilitas sewa -- -- (2,924,325,011) -- 8,564,873,689 5,640,548,678 Lease liabilities
Jumlah (932,187,110) (10,042,011,294) 541,462,768 (11,079,769,187) (4,090,754,631) (25,603,259,454) Total
2022
Dikreditkan Dikreditkan
(dibebankan) (dibebankan)
pada laporan ke penghasilan
laba rugi/ komprehensif
Credited lain/Credited
Saldo awal/ (charged) (charged) to other Saldo akhir/
Beginning to the income comprehensive Ending
balance statement income balance
Penyusutan aset tetap, Depreciation of fixed assets,
amortisasi aset amortization of intangible
takberwujud dan surplus assets and surplus
revaluasi aset tetap (1,755,329,794) (1,066,069,113) -- (2,821,398,907) revaluation of fixed assets
Penyisihan kerugian
penurunan nilai Allowance for impairment
aset non produktif - losses on non earning
selain kredit 1,523,047,338 (1,523,047,338) -- -- assets - other than loans
Penyisihan kerugian Allowance for impairment
penurunan nilai losses on earning
aset produktif - kredit (546,140,368) 117,287,747 -- (428,852,621) assets - loans
Liabilitas imbalan Post-employment benefits
pasca-kerja 2,413,781,448 (915,647,695) 819,930,665 2,318,064,418 obligation
Jumlah 1,635,358,624 (3,387,476,399) 819,930,665 (932,187,110) Total
Manajemen Bank berpendapat bahwa The Bank’s management believes that the
seluruh aset pajak tangguhan dapat total deferred tax assets are recoverable in
dipulihkan di tahun-tahun mendatang. the future years.
79
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
21. Bunga yang Masih Harus Dibayar 21. Accrued Interests
Akun ini merupakan bunga yang masih harus This account represents accrued interests of
dibayar atas simpanan nasabah dan bank lain. deposits from customers and other banks.
22. Liabilitas Imbalan Pasca-Kerja 22. Post-Employment Benefits Liabilities
Untuk tahun yang berakhir pada 31 Desember For the year ended December 31, 2023 and
2023 dan 2022, Bank harus mencadangkan 2022, the Bank is required to provide a
jumlah minimal imbalan pensiun sesuai dengan minimum amount of pension benefit in
Undang-Undang No. 11/2020 tentang Cipta accordance with Law No. 11/2020 on Job
Kerja (“UUCK”) sebagaimana telah Creation (“JCL”) as amended by Perpu
diamendemen dengan Perpu No.2/2022 dan No.2/2022 and Law No.6/2023 or the Bank’s
UU No.6/2023 atau Perjanjian Kerja Bersama Collective Labour Agreement (the “CLA”) or
(“PKB”) atau Peraturan Perusahaan (“PP”), Company Regulation (“CR”), whichever is
mana yang lebih tinggi. Karena UUCK atau higher. Since the JCL or the CLA or the CR
PKB atau PP menentukan rumus tertentu untuk sets the formula for determining the minimum
menghitung jumlah minimal imbalan pensiun, amount of benefits, in substance pension plans
pada dasarnya, program pensiun berdasarkan under the JCL or the CLA or the CR represent
UUCK atau PKB atau PP adalah program defined benefit plans. The calculation basis of
imbalan pasti. Dasar perhitungan manfaat this Labor Law benefit is the current basic
Undang-Undang Ketenagakerjaan ini salary. The benefits are unfunded. Obligation
menggunakan gaji pokok terkini. Imbalan for post- employment benefits are calculated
tersebut tidak didanai. Liabilitas imbalan pasti using the “Projected Unit Credit” method.
atas imbalan pasca-kerja (post-employment
benefit) tersebut dihitung dengan menggunakan
metode “Projected Unit Credit”.
Jumlah karyawan yang berhak atas imbalan The numbers of eligible employees for post-
pasti pasca-kerja tersebut masing-masing employment benefit are 298 and 168
sebanyak 298 dan 168 karyawan (tidak diaudit) employees as at December 31, 2023 and 2022
pada tanggal 31 Desember 2023 dan 2022. (unaudited), respectively.
Untuk tahun-tahun yang berakhir pada For the years ended on December 31, 2023
31 Desember 2023 dan 2022, liabilitas imbalan and 2022, post-employment benefits liabilities
pasca-kerja didasarkan pada laporan penilaian based on the actuarial valuation report
aktuaria yang diperoleh dari Kantor Konsultan obtained from Kantor Konsultan Aktuaria V.
Aktuaria V. Agus Basuki, aktuaris independen, Agus Basuki, an independent actuary, with the
dengan laporan aktuaria masing-masing actuarial report dated January 18, 2024 and
tertanggal 18 Januari 2024 dan 16 Januari January 16, 2023, respectively.
2023.
Beban liabilitas imbalan pasca-kerja yang Post-employment benefit expenses recognized
diakui dalam laba rugi adalah sebagai berikut in the profit or loss are (Note 31b):
(Catatan 31b):
2023 2022
Biaya jasa kini 4,729,268,808 1,667,355,187 Current service cost
Biaya bunga 493,116,044 274,244,707 Interest cost
Dampak ifric --
-- 229,969,897 Ifric impact
Jumlah 5,222,384,852 2,171,569,791 Total
80
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Rekonsiliasi perubahan liabilitas selama tahun The movements of estimated post-employment
berjalan yang diakui di laporan posisi keuangan benefits liability in the statements of financial
adalah sebagai berikut: position are as follows:
2023 2022
Liabilitas pada awal tahun 10,536,656,442 10,971,733,851 Liability at beginning of year
Penambahan tahun berjalan (Catatan 31b) 5,222,384,852 2,171,569,791 Addition during the year (Note 31b)
Pembayaran selama tahun berjalan (2,683,431,830) (6,333,604,767) Payment during the year
Jumlah yang diakui di penghasilan Total amount recognized in other
komprehensif lain 1,574,759,204
-- 3,726,957,567 comprehensive income
Liabilitas pada akhir tahun 14,650,368,668 10,536,656,442 Liability at end of year
Mutasi nilai kini liabilitas adalah sebagai The movement in present value of obligations
berikut: are as follows:
2023 2022
Beginning present value
Saldo awal nilai kini liabilitas 10,536,656,442 10,971,733,851 of obligation
Biaya jasa kini 4,729,268,808 1,667,355,187 Current service cost
Biaya bunga 493,116,044 274,244,707 Interest cost
Pembayaran selama tahun berjalan (2,683,431,830) (6,333,604,767) Payments during the year
Dampak ifric -- 229,969,897 Ifric impact
Kerugian Acturarial losses
aktuarial yang timbul dari: arising from:
- asumsi keuangan 1,574,759,204 3,726,957,567 - financial assumption
Jumlah 14,650,368,668 10,536,656,442 Total
Program ini memberikan eksposur risiko The program provides actuarial risk exposure to
aktuarial terhadap Bank seperti risiko suku the Bank such as interest rate risk and salary
bunga dan gaji. risk.
Mutasi keuntungan (kerugian) aktuarial yang The movements in the balance of actuarial gain
diakui sebagai penghasilan komprehensif lain, (loss) charged to other comprehensive income,
bruto pajak tangguhan: gross of deferred tax:
2023 2022
Saldo awal (3,253,089,813) 473,867,754 Beginning balance
Kerugian aktuaria yang diakui Actual lossess
sebagai penghasilan charged to other
komprehensif lain (1,574,759,204)
-- (3,726,957,567) comprehensive income
Saldo akhir (4,827,849,017) (3,253,089,813) Ending balance
Risiko Suku Bunga Interest Rate Risk
Nilai kini liabilitas imbalan pasti dihitung The present value of the defined benefits
dengan menggunakan tingkat diskonto obligation is calculated using a discount rate
ditentukan dengan mengacu pada tingkat determined by reference to market yields of
pengembalian pasar atas obligasi government bonds. Generally, a decrease in
pemerintah. Umumnya, penurunan suku the interest rate of a government bonds will
bunga dari obligasi pemerintah akan increase the program obligation.
meningkatkan liabilitas program.
Risiko Tingkat Kenaikan Gaji Salary Rate Risk
Nilai kini liabilitas imbalan pasti dihitung The present value of the defined benefits are
dengan estimasi tingkat kenaikan gaji, calculated using the estimated of salary
semakin tinggi tingkat kenaikan gaji akan growth rate, higher salary growth rate will lead
menyebabkan semakin besarnya liabilitas. to higher obligation.
81
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Tingkat diskonto : 6.33% - 6.81% tahun 2023/in year 2023 : Discount rate
4.96% - 7.27% tahun 2022/in year 2022
Tingkat kenaikan gaji : 10,00% tahun 2023/in year 2023 : Salary increment rate
7,00% tahun 2022/in year 2022
Tingkat kemungkinan cacat : 5% tahun 2023/in year 2023 : Disability rate
5% tahun 2022/in year 2022
Tingkat kematian : TMI-IV-2019 dengan perbaikan, periode 2023/ : Mortality rate
with recovery, in period 2023
TMI-IV-2019 dengan perbaikan, periode 2022/
with recovery, in period 2022
Tingkat pengunduran diri : 10% 20-29 tahun/years old : Resignation rate
8% 30-39 tahun/years old
5% 40-44 tahun/years old
4% 45-49 tahun/years old
1% 50-54 tahun/years old
Usia pensiun normal : 55 tahun/years old : Normal retirement age
Asumsi utama yang digunakan dalam The actuarial valuation as at December 31,
menentukan penilaian aktuaria pada tanggal 2023 were carried out using the following key
31 Desember 2023 adalah sebagai berikut: assumptions:
Nilai Kini Kewajiban
Imbalan Pasti/
Tingkat Diskonto/ Present value of
Discount Rate Benefits Obligation
Analisis Sensitivitas Tingkat Diskonto Sensitivity Analysis of Discount Rate
Kenaikan suku bunga 1% 6.33% sd 6.81% (1,148,675,584) Increase of 1% the discount rate
Penurunan suku bunga 1% 6.33% sd 6.81% 1,312,178,639 Decrease of 1% the discount rate
Analisis Sensitivitas Kenaikan Gaji Sensitivity Analysis of Salary Increase
Kenaikan suku bunga 1% 10.00% 1,247,588,868 Increase of 1% the discount rate
Penurunan suku bunga 1% 10.00% (1,116,852,483) Decrease of 1% the discount rate
Asumsi aktuarial yang signifikan untuk Significant actuarial assumptions for the
penentuan liabilitas imbalan pasti adalah determination of the defined obligation are
tingkat diskonto dan kenaikan gaji yang discount rate and expected salary increase.
diharapkan. Sensitivitas analisis diatas ini The sensitivity analysis below has been
ditentukan berdasarkan masing-masing determined based on reasonably possible
perubahan asumsi yang mungkin terjadi pada changes of the respective assumptions
akhir periode pelaporan, dengan semua occurring at the end, and other variable
asumsi variabel lain konstan. assumption are constant.
Analisis sensitivitas yang disajikan di atas The sensitivity analysis presented above may
mungkin tidak mewakili perubahan yang not be representative of the actual change in
sebenarnya dalam liabilitas imbalan pasti the defined benefit obligation as it is unlikely
mengingat bahwa perubahan asumsi terjadinya that the change inassumptions would occur in
tidak terisolasi satu sama lain karena beberapa isolation of one another assome of the
asumsi tersebut mungkin berkorelasi. assumptions may be correlated.
Selanjutnya, dalam menyajikan analisis Furthermore, in presenting the above sensitivity
sensitivitas diatas, nilai kini liabilitas imbalan analysis, the present value of the defined
pasti dihitung dengan menggunakan metode benefits obligation has been calculated using
projected unit credit pada akhir periode the projected unit credit method at the end of
pelaporan, yang sama dengan yang diterapkan the reporting period, which is the same as that
dalam menghitung liabilitas manfaat pasti yang applied in liability recognized in the statements
diakui dalam laporan posisi keuangan. of financial position.
Rata-rata durasi liabilitas imbalan pasti adalah The weighted average duration of the defined
masing-masing 10,76 dan 8,43 tahun pada benefit obligation is 10.76 and 8.43 year as at
tanggal 31 Desember 2023 dan 2022. December 31, 2023 and 2022, each.
Perkiraan analisis jatuh tempo atas imbalan Expected maturity analysis of undiscounted
pensiun tidak terdiskonto per 31 Desember pension benefits as at December 31, 2023
2023 dan 2022 adalah sebagai berikut: and 2022 is presented below:
82
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2023
Sampai dengan Lebih dari
1 tahun/ 2-5 tahun/ 6-10 tahun/ 10 tahun/More Jumlah/
Until 1 year 2-5 years 6-10 years than 10 years Total
Imbalan pensiun 846,716,836 8,061,268,450 28,101,911,019 856,783,920,355 893,793,816,660 Pension benefits
2022
Sampai dengan Lebih dari
1 tahun/ 2-5 tahun/ 6-10 tahun/ 10 tahun/More Jumlah/
Until 1 year 2-5 years 6-10 years than 10 years Total
Imbalan pensiun 2,211,906,441 4,828,555,853 11,616,294,218 213,097,565,368 231,754,321,880 Pension benefits
23. Liabilitas Lain-Lain 23. Other Liabilities
2023 2022
Liabilitas Sewa 25,638,857,628 37,366,801,533 Lease liabilities
Promosi 12,051,267,943 9,205,769,450 Promotion
Verifikasi identitas nasabah 7,863,486,880 5,352,771,234 Customer identity verification
Outsource 2,185,259,987 4,148,051,325 Outsource
Pelatihan 813,003,594 345,433,027 Trainings
Pendapatan diterima di muka 526,320,000 663,690,328 Advances receipt
Cadangan biaya umum -- 682,233,750 General accrued expense
Safe Deposit Box -- 68,500,000 Safe Deposit Box
Lain-lain 798,471,462 920,345,440 Others
Jumlah 49,876,667,494 58,753,596,087 Total
24. Modal Saham 24. Share Capital
Komposisi pemegang saham Bank dan The composition of the Bank’s shareholders
masing-masing kepemilikan pada tanggal- and their respective share holdings as at
tanggal 31 Desember 2023 dan 2022 adalah December 31, 2023 and 2022 are as follows:
sebagai berikut:
2023
Jumlah lembar Persentase Jumlah nilai
saham/ kepemilikan/ saham/
Number of Percentage of Total amount
shares ownership of shares
PT Mega Corpora 13,228,508,531 60.88% 1,322,850,853,100 PT Mega Corpora
PT Bukalapak Tbk 2,497,816,903 11.49% 249,781,690,300 PT Bukalapak Tbk
Abadi Investment Pte. Ltd. 1,521,117,930 7.00% 152,111,793,000 Abadi Investment Pte. Ltd.
PT Indolife Investama Perkasa 1,303,815,386 6.00% 130,381,538,600 PT Indolife Investama Perkasa
Ali Gunawan (Komisaris) 9,868,300 0.05% 986,830,000 Ali Gunawan (Commissioner)
Indra Utoyo (Direktur Utama) 500,000 0.00% 50,000,000 Indra Utoyo (President Director)
Ganda Raharja Rusli (Direktur) 47,384 0.00% 4,738,400 Ganda Raharja Rusli (Director)
Masyarakat (kepemilikan Public (ownership
dibawah 5%) 3,168,582,008 14.58% 316,858,200,800 below 5%)
Jumlah 21,730,256,442 100% 2,173,025,644,200 Total
2022
Jumlah lembar Persentase Jumlah nilai
saham/ kepemilikan/ saham/
Number of Percentage of Total amount
shares ownership of shares
PT Mega Corpora 13,228,508,531 60.88% 1,322,850,853,100 PT Mega Corpora
PT Bukalapak Tbk 2,497,816,903 11.49% 249,781,690,300 PT Bukalapak Tbk
Abadi Investment Pte. Ltd. 1,521,117,930 7.00% 152,111,793,000 Abadi Investment Pte. Ltd.
PT Indolife Investama Perkasa 1,303,815,386 6.00% 130,381,538,600 PT Indolife Investama Perkasa
Ali Gunawan (Komisaris) 8,842,900 0.04% 884,290,000 Ali Gunawan (Commissioner)
Ganda Raharja Rusli (Direktur) 30,384 0.00% 3,038,400 Ganda Raharja Rusli (Director)
Masyarakat (kepemilikan Public (ownership
dibawah 5%) 3,170,124,408 14.59% 317,012,440,800 below 5%)
Jumlah 21,730,256,442 100% 2,173,025,644,200 Total
83
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Berdasarkan Akta Rapat Umum Pemegang In accoudance with Deed of the Annual
Saham Tahunan PT Allo Bank Indonesia Tbk General Meeting of Shareholders PT Allo
No. 2 tanggal 19 Mei 2022, dibuat dihadapan Bank Indonesia Tbk No. 2 dated May 19,
Dharma Akhyuzi, S.H., Notaris di Jakarta, 2022, made in the presence of Dharma
bahwa dari laba bersih Bank pada tahun buku Akhyuzi, S.H., the Notary in Jakarta that from
2021 sebesar Rp192.474.618.193 akan the Bank’s net profit for the financial year
dibukukan sebesar 99,99% sebagai laba 2021 Rp192,474,618,193, 99.99% of the net
ditahan, sebesar Rp24.618.193 atau 0,01% profit will be booked as retained earnings for
akan dialokasikan sebagai Cadangan Wajib the fiscal year 2022, Rp24,618,193 or 0.01%
dalam rangka memenuhi Pasal 70 Undang- of the net profit will be allocated as
undang Perseroan Terbatas. Mandatory Reserves in order to comply with
Article 70 of the Limited Liability Company
Law.
Berdasarkan Akta Rapat Umum Pemegang In accoudance with Deed of the Annual
Saham Tahunan PT Allo Bank Indonesia Tbk General Meeting of Shareholders PT Allo
No. 7 tanggal 19 Mei 2023, dibuat dihadapan Bank Indonesia Tbk No. 7 dated May 19,
Dharma Akhyuzi, S.H., Notaris di Jakarta, 2023, made in the presence of Dharma
bahwa dari laba bersih Bank pada tahun buku Akhyuzi, S.H., the Notary in Jakarta that from
2022 sebesar Rp270.029.411.193 akan the Bank’s net profit for the financial year
dibukukan sebesar 99,99% sebagai laba 2022 Rp270,029,411,193, 99.99% of the net
ditahan, sebesar Rp29.411.193 atau 0,01% profit will be booked as retained earnings for
akan dialokasikan sebagai Cadangan Wajib the fiscal year 2022, Rp29,411,193 or 0.01%
dalam rangka memenuhi Pasal 70 Undang- of the net profit will be allocated as
undang Perseroan Terbatas. Mandatory Reserves in order to comply with
Article 70 of the Limited Liability Company
Law.
Pada tanggal 29 Januari 2021, melalui Rapat On January 29, 2021, through the Bank's
Umum Luar Biasa Bank, pemegang saham Extraordinary General Meeting, the
Bank menyetujui rencana Pengambilalihan shareholders of the Bank approved the
beserta rancangan Pengambilalihan dan Acquisition plan along with the Acquisition
konsep akta Pengambilalihan sesuai dengan plan and the draft Acquisition deed in
Peraturan OJK (“POJK”) No. 41/POJK.03/2019 accordance with OJK Regulation (“POJK”)
yang berlaku efektif setelah diperolehnya No. 41/POJK.03/2019 which will become
persetujuan dari OJK. effective after obtaining approval from the
OJK.
Pada tanggal 10 Maret 2021, melalui Surat On March 10, 2021, through Letter No. KEP-
No. KEP-40/D.03/2020 OJK menyetujui 40/ D.03/2020 OJK approved the Takeover
Pengambilalihan 73,71% saham Bank milik of 73.71% of the Bank's shares of the HPP
HPP oleh Mega Corpora. Selanjutnya, by Mega Corpora. Furthermore, based on
berdasarkan akta Notaris Dharma Akhyuzi, No. 9 dated March 15, 2021 of Dharma
S.H., No. 9 tanggal 15 Maret 2021, telah Akhyuzi, S.H., notary, have been change in
dilakukan perubahan susunan pemegang shareholders Bank composition was
saham Bank yang telah diberitahukan kepada notification to the Ministry of Law and Human
Kementerian Hukum dan Hak Asasi Manusia Rights of the Republic Indonesia in its
Republik Indonesia dengan surat penerimaan Decision Letter No. AHU-AH.01.03-0164106
pemberitahuan No. AHU-AH.01.03-0164106 dated March 15, 2021.
tanggal 15 Maret 2021.
Berdasarkan Surat OJK No. S-104/D.04/2021 Based on OJK’s Letter No. S-104/D.04/2021
tanggal 30 Juni 2021, OJK memberitahukan dated June 30, 2021, OJK notify the Bank
kepada Bank bahwa Pernyataan Pendaftaran that the Right Issue Registration Statement
PMHMETD sebesar 7.498.501.776 lembar concerning the increase of share capital
saham telah dinyatakan efektif. Selanjutnya, amounting to 7,498,501,776 shares has
Bank telah melaksanakan dan menyelesaikan been declared effective. On July 26, 2021,
proses PMHMETD tersebut pada tanggal the Bank has executed and accomplished
26 Juli 2021. the Right Issue process.
84
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Berdasarkan Akta Notaris Dharma Akhyuzi, Based on Notarial Deed No. 5 of Dharma
S.H., No. 5 tanggal 15 Oktober 2021, Akhyuzi, S.H., dated October 15, 2021, the
pemegang saham Bank menyetujui perubahan shareholders of the Bank approved the
anggaran dasar dengan peningkatan modal amendment to the articles of association with
dasar menjadi Rp4.000.000.000.000. an increase in authorized capital to
Perubahan tersebut telah disetujui oleh Menteri Rp4,000,000,000,000. The amendment has
Hukum dan Hak Asasi Manusia Republik been approved by the Minister of Laws and
Indonesia melalui Surat Keputusan No. AHU- Human Rights of the Republic of Indonesia in
0057224.AH.01.02.TAHUN 2021 tanggal its Decision Letter No. AHU- 0057224.AH.01.
15 Oktober 2021. 02.TAHUN 2021 dated October 15, 2021.
Berdasarkan Surat OJK No. S-245/D.04/2021 Based on OJK’s Letter No. S-245/D.04/2021
tanggal 30 Desember 2021, OJK dated December 30, 2021, OJK notify the
memberitahukan kepada Bank bahwa Bank that the Right Issue Registration
Pernyataan Pendaftaran PMHMETD sebesar Statement concerning the increase of share
10.047.322.871 lembar saham telah capital amounting to 10,047,322,871 shares
dinyatakan efektif. Selanjutnya, Bank telah has been declared effective. On January 26,
melaksanakan dan menyelesaikan proses 2022, the Bank has executed and
PMHMETD tersebut pada tanggal 26 Januari accomplished the Right Issue process.
2022.
25. Pendapatan Bunga 25. Interest Income
2023 2022
Kredit yang diberikan 1,068,186,591,840 610,022,633,372 Loans
Efek-efek 228,702,742,321 71,418,964,174 Marketable securities
Penempatan pada Bank Indonesia 12,355,982,060 25,659,553,267 Placements with Bank Indonesia
Penempatan pada bank lain 10,778,864,980 2,739,421,209 Placements with other banks
Efek-efek yang dibeli dengan janji Securities purchased under
dijual kembali 8,918,589,740 57,831,666,467 resell agreement
Jumlah 1,328,942,770,941 767,672,238,489 Total
Jumlah pendapatan bunga dari pihak berelasi The amount of interest income from related
pada tahun yang berakhir 31 Desember 2023 parties for the years ended December 31,
dan 2022, masing-masing sebesar 2023 and 2022 amounted to Rp23,258,132,974
Rp23.258.132.974 dan Rp7.565.522.201 and Rp7,565,522,201, respectively (Note 36).
(Catatan 36).
26. Beban Bunga 26. Interest Expenses
2023 2022
Simpanan dari nasabah Deposits from customers
Deposito berjangka 253,733,162,608 122,897,704,398 Time deposits
Tabungan 13,808,922,082 6,098,436,669 Saving deposits
Giro 2,569,669,946 508,312,208 Current accounts
Premi penjaminan simpanan Deposits guarantee premium
(Catatan 38) 11,696,611,320 5,456,831,466 (Note 38)
Simpanan dari bank lain 7,813,009,722 2,003,314,100 Deposits from other banks
Efek-efek yang dijual dengan janji Securities sold under
dibeli kembali 2,566,596,190 3,478,591,678 repurchased agreement
Jumlah 292,187,971,868 140,443,190,519 Total
Jumlah beban bunga dari pihak berelasi untuk The amount of interest expenses from related
tahun yang berakhir 31 Desember 2023 dan parties for the years ended December 31,
2022 masing-masing sebesar 2023 and 2022 are Rp81,775,136,488 and
Rp81.775.136.488 dan Rp48.149.103.219 Rp48,149,103,219, respectively (Note 36).
(Catatan 36).
85
Page 606
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
27. Provisi dan Komisi 27. Fees and Commissions
2023 2022
Komisi dari kredit 6,596,365,673 120,013,215,000 Commissions from loan
Lain-lain -- 196,598,917 Others
Jumlah 6,596,365,673 120,209,813,917 Total
28. Pendapatan Administrasi dan Denda 28. Administration and Penalties Income
2023 2022
Pendapatan administrasi 38,468,983,269 429,880,051 Administration fee
Pendapatan penalti 12,753,914,824 1,907,784,965 Penalty fee
Pendapatan transaksi nasabah 6,364,948,185 6,070,877,360 Income from customer transaction
Jumlah 57,587,846,278 8,408,542,376 Total
29. Keuntungan Penjualan Efek-Efek 29. Gain on Sales of Marketable Securities
2023 2022
Keuntungan Penjualan Obligasi 37,373,920,257 3,918,770,429 Gain on Sales of Bonds
Jumlah 37,373,920,257 3,918,770,429 Total
30. Penyisihan Cadangan Kerugian Penurunan 30. Provision Of Allowance For Impairment
Nilai Aset Keuangan dan Aset Non - Losses On Financial Assets and Non -
Keuangan Financial Assets
Rincian penyisihan cadangan kerugian Details of provision of allowance for impairment
penurunan nilai aset keuangan dan aset non- losses on financial assets and non-financial
keuangan adalah sebagai berikut: assets are as follows:
2023 2022
Penyisihan cadangan kerugian penurunan Provision of allowance for impairment
nilai atas kredit (Catatan 10) 47,915,192,643 44,077,874,812 losses on loans (Note 10)
Penyisihan cadangan kerugian Provision for impairment
penurunan nilai atas aset lainnya 26,559,582 183,863,516 losses on other assets
Jumlah 47,941,752,225 44,261,738,328 Total
31. Beban Operasional Lainnya 31. Other Operating Expenses
Akun ini terdiri dari: This account consists of:
2023 2022
Umum dan administrasi 391,270,804,253 286,577,245,489 General and administrative
Tenaga kerja 144,556,384,983 73,306,531,469 Personnel
Jumlah 535,827,189,236
-- 359,883,776,958 Total
86
Page 607
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
a. Umum dan administrasi a. General and administrative
2023 2022
Iklan dan promosi 161,726,887,663 152,165,054,374 Advertising and promotions
Teknologi informasi 56,277,792,964 12,425,669,536 Information technology
Penyusutan aset tetap Depreciation of fixed assets
(Catatan 13) 29,089,120,190 11,620,830,351 assets (Note 13)
Verifikasi identitas nasabah 28,521,983,894 18,796,420,646 Customer identity verification
Outsource 27,519,174,574 20,281,317,671 Outsource
Amortisasi aset takberwujud Amortization of intangible
(Catatan 14) 14,467,894,450 7,347,833,082 assets (Note 14)
Asuransi (Catatan 36) 13,661,885,507 746,489,110 Insurance (Note 36)
Telekomunikasi 13,273,224,366 21,841,862,557 Telecommunication
Jasa pihak ketiga 12,116,092,311 5,761,302,377 Third parties services
Penyusutan aset hak-guna sewa Depreciation on right of used
(Catatan 13) 10,138,291,928 13,914,560,103 assets (Note 13)
Pungutan oleh Otoritas Jasa Levies by the Financial Service
Keuangan 7,860,850,045 3,020,422,867 Authority
Pendidikan dan pelatihan 4,353,600,000 2,385,000,000 Education and trainings
Bank Koresponden 2,277,001,025 2,495,496,293 Corespondence bank
Keperluan kantor 2,169,215,471 2,577,269,381 Office supplies
Sewa 1,452,579,758 4,298,829,714 Rent
Beban bunga sewa (Catatan 13) 1,352,120,846 -- Lease interest expense (Note 13)
Perjalanan dinas 1,054,372,201 687,520,398 Business travels
Pemeliharaan dan perbaikan 824,560,545 1,473,700,472 Repair and maintenance
Pajak 572,784,395 1,908,866,501 Taxes
Transportasi 331,735,224 313,356,254 Transportation
Sumbangan 296,452,750 94,438,500 Donations
Telepon, listrik dan air 179,323,552 450,179,360 Telephone, electricity and water
Lain-lain 1,753,860,594 1,970,825,942 Others
Jumlah 391,270,804,253 286,577,245,489 Total
b. Tenaga kerja b. Personnel
2023 2022
Gaji dan tunjangan 121,094,100,708 59,932,706,866 Wages and salaries
Tunjangan hari raya 5,483,934,758 2,649,798,746 Religious allowance
Beban imbalan kerja (Catatan 22) 5,222,384,852 2,171,569,791 Employee benefit expense (Note 22)
Tunjangan ketenagakerjaan 5,182,757,010 2,482,871,021 Social security allowance
Tunjangan uang makan/transport 3,669,214,289 2,529,447,614 Employee meal/transport allowance
Tunjangan premi asuransi
kecelakaan (Catatan 36) 2,357,909,699 1,859,247,854 Insurance allowance (Note 36)
Lainnya 1,546,083,667 1,680,889,577 Others
Jumlah 144,556,384,983 73,306,531,469 Total
32. Lain-Lain - Neto 32. Others - Net
2023 2022
Penerimaan kembali atas kredit
yang dihapusbukukan dan Receipt from written-off loans
agunan yang diambil alih 18,265,904,652 243,078,330 and foreclosed collateral
Lain-lain 2,751,151,494 739,432,196 Others
Jumlah 21,017,056,146 982,510,526 Total
87
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
33. Beban Non Operasional - Neto 33. Non Operating Expenses - Net
2023 2022
Keuntungan pelepasan Gain on disposal of
aset tetap - neto 8,780,917 315,027,469 fixed assets - net
Kerugian atas penjualan agunan Loss on sale of
yang diambill alih - neto -- (4,831,568,021) foreclosed assets - net
Lainnya - neto (295,552,748) 225,298,837 Others - net
Jumlah (286,771,831) (4,291,241,715) Total
34. Laba Per Saham Dasar 34. Basic Earnings Per Share
2023 2022
Rata-rata tertimbang jumlah saham Weighted average number
biasa yang beredar dalam tahun ordinary shares outstanding
berjalan 21,730,256,442 21,730,256,442 during the year
Laba bersih 444,566,134,304 270,029,411,193 Net income
Laba bersih per saham Basic earnings
dasar 20.46 12.43 per share
35. Tambahan Modal Disetor 35. Additional Paid-in Capital
Pada tanggal 31 Desember 2023 dan 2022, As at December 31, 2023 and 2022, additional
akun tambahan modal disetor terdiri dari: paid-up capital consists of:
2023 dan 2022/
2023 and 2022
Tambahan modal disetor Additional paid-up capital
Penawaran Umum Perdana
Tahun 2015 20,000,000,000 Initial Public Offering Year 2015
Penawaran Umum Terbatas I
Tahun 2018 16,943,179,500 Limited Public Offering I Year 2018
Penawaran Umum Terbatas III
Tahun 2022 3,797,888,052,789 Limited Public Offering III Year 2022
Transfer of revaluation surplus of
Transfer surplus revaluasi aset fixed assets to additional
tetap ke tambahan modal disetor 22,575,371,620 paid-in capital
Difference in transaction value from
Selisih nilai transaksi kombinasi business combinations of entities
bisnis entitas sepengendali 21,605,074,300 under common control
Beban emisi efek ekuitas Stock issuance costs
Penawaran Umum Perdana
Tahun 2015 (3,769,769,602) Initial Public Offering Year 2015
Penambahan modal tanpa Capital Increase
Hak Memesan Efek Terlebih Without Pre-emptive Rights
Dahulu Tahun 2017 (324,275,000) Year 2017
Penawaran Umum Terbatas I
Tahun 2018 (2,556,985,000) Limited Public Offering I Year 2018
Penawaran Umum Terbatas II
Tahun 2021 (1,403,425,085) Limited Public Offering II Year 2021
Penawaran Umum Terbatas III
Tahun 2022 (2,224,000,000) Limited Public Offering III Year 2022
Jumlah 3,868,733,223,522 Total
88
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
36. Transaksi dengan Pihak Berelasi 36. Transactions with Related Parties
Sifat hubungan berelasi Nature of relationship
Dalam kegiatan normal usahanya, Bank juga In the normal activities of business, the Bank
mengadakan transaksi-transaksi tertentu also entered into certain transactions with
dengan pihak yang berelasi. related parties.
Transaksi dengan pihak berelasi dilakukan Transactions with related parties are made
berdasarkan persyaratan yang disetujui oleh based on terms agreed by the parties, which
kedua belah pihak, yang mungkin tidak sama may not be the same as those of the
dengan transaksi lain yang dilakukan dengan transaction between unrelated parties.
pihak yang tidak berelasi.
Rincian sifat hubungan dan jenis transaksi The details of the relationship and type of
yang signifikan dengan pihak berelasi pada significant transactions with related parties as
tanggal 31 Desember 2023 adalah sebagai at December 31, 2023 are as follows:
berikut:
Pihak Berelasi/ Sifat Hubungan Berelasi/ Transaksi / Transactions
Related Parties The Nature of Relation
PT Mega Corpora Pemegang saham/Shareholder Dana setoran modal/Paid-up capital
Simpanan/Deposits
Beban bunga/Interest expense
PT Bukalapak.com Tbk Pemegang saham/Shareholder Dana setoran modal/Paid-up capital
Simpanan/Deposits
Beban bunga/Interest expense
PT Bank Mega Tbk Dimiliki oleh pemegang saham akhir Kustodian/Custody
yang sama/Owned by the same Giro pada bank lain/Current account with other bank
ultimate shareholder
PT Bank Mega Syariah Dimiliki oleh pemegang saham akhir Giro pada bank lain/Current account with other bank
yang sama/Owned by the same
ultimate shareholder
PT PFI Mega Life Insurance Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Allo Fresh Indonesia Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Asuransi Umum Mega Dimiliki oleh pemegang saham akhir Asuransi/Insurance
yang sama/Owned by the same Simpanan/Deposits
ultimate shareholder Beban bunga/Interest expense
PT CT Corpora Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Corpora Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Retail Indonesia Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Media Corpora Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Duta Visual Nusantara Tivi Tujuh Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Mega Capital Sekuritas Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
89
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Pihak Berelasi/ Sifat Hubungan Berelasi/ Transaksi / Transactions
Related Parties The Nature of Relation
PT Trans Kalla Makassar Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder Kredit yang diberikan/Loans
Pendapatan bunga/Interest income
PT Mega Central Finance Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Mega Auto Finance Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Mega Finance Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Trans Fashion Indonesia Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Metropolitan Retailmart Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
Yayasan CT Arsa Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Alfa Retailindo Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
PT Parabandung Propertindo Dimiliki oleh pemegang saham akhir Simpanan/Deposits
yang sama/Owned by the same Beban bunga/Interest expense
ultimate shareholder
Perseorangan/Individual Komisaris/Commissioner Kredit yang diberikan/Loans
Direksi/Director Simpanan/Deposits
Pejabat Eksekutif/Executive Staff Pendapatan bunga/Interest income
Beban bunga/Interest expense
Transaksi pihak berelasi Transactions with related parties
a. Kegiatan usaha Bank a. Bank business activities
2023 2022
Aset Assets
Giro pada bank lain (Catatan 6) Current account with other banks (Note 6)
PT Bank Mega Tbk 176,937,995,924 152,184,759,880 PT Bank Mega Tbk
PT Bank Mega Syariah 972,337,566 1,889,550 PT Bank Mega Syariah
177,910,333,490 152,186,649,430
Cadangan kerugian Allowance for
penurunan nilai (177,910,333) (151,965,205) impairment losses
Jumlah giro pada bank lain 177,732,423,157 152,034,684,225 Total current account with other banks
Penempatan pada bank lain (Catatan 7) Placements with other banks (Note 7)
PT Bank Mega Tbk 1,000,000,000,000 -- PT Bank Mega Tbk
PT Bank Mega Syariah 200,000,000,000 -- PT Bank Mega Syariah
Jumlah penempatan pada bank lain 1,200,000,000,000 -- Total placements with other banks
Kredit yang diberikan (Catatan 10) Loans (Note 10)
PT Trans Kalla Makassar 250,000,000,000 163,431,592,818 PT Trans Kalla Makassar
Lain-lain di bawah Rp1 miliar 267,669,566 756,315,145 Others - below Rp1 billion
250,267,669,566 164,187,907,963
Cadangan kerugian Allowance for
penurunan nilai (2,474,700,402) (2,440,394,756) impairment losses
Jumlah kredit yang diberikan 247,792,969,164 161,747,513,207 Total loans
Pendapatan bunga yang masih
akan diterima (Catatan 11) 1,077,812,384 305,189,807 Interest receivables (Note 11)
Jumlah aset yang terkait
dengan pihak berelasi 1,626,603,204,705 314,087,387,239 Total assets with related parties
Persentase dari jumlah aset 12.76% 2.84% Percentage of total assets
90
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2023 2022
Liabilitas Liabilities
Simpanan nasabah (Catatan 18) Deposits from customers (Note 18)
Giro 7,186,778,203 4,397,318,920 Current account
Tabungan -- 941,078 Saving deposit
Deposito 1,211,021,904,479 2,008,252,096,662 Time deposit
Simpanan dari bank lain (Catatan 19) 37,389 39,873 Deposits from other banks (Note 19)
Jumlah liabilitas yang terkait dengan
pihak berelasi 1,218,208,720,071 2,012,650,396,533 Total liabilities with related parties
Persentase dari jumlah liabilitas 20.77% 43.30% Percentage of total liabilities
Pendapatan bunga (Catatan 25) 23,258,132,974 7,565,522,201 Interest income (Note 25)
Persentase dari jumlah pendapatan
bunga 1.75% 0.99% Percentage of total interest income
Beban bunga (Catatan 26) 81,775,136,488 48,149,103,219 Interest expenses (Note 26)
Persentase dari jumlah beban bunga 27.99% 34.28% Percentage of total interest expenses
Beban operasional lainnya (Catatan 31) Other operating expenses (Note 31)
Penyusutan aset hak-guna sewa 9,736,628,522 11,795,408,659 Depreciation of right-of-use assets
Asuransi Insurance
PT Asuransi Umum Mega 16,019,795,206 2,605,736,964 PT Asuransi Umum Mega
Jumlah beban operasional lainnya Total other operating
yang terkait dengan pihak berelasi 25,756,423,728 14,401,145,623 expenses with related parties
Persentase dari jumlah beban Percentage of total other operating
operasional lainnya 4.81% 4.00% expenses
Rincian gaji dan tunjangan yang diberikan Details of salary and benefits given to
kepada Dewan Komisaris, Dewan Board of Commissioners, Board of
Direksi, Komite Audit dan Komite Directors, Audit Committee, Risk
Pemantau Risiko dan Komite Remunerasi Monitoring Committee and Remuneration
dan Nominasi Bank adalah sebagai and Nomination Committee of the Bank
berikut: are as follows:
2023
Gaji/ Tunjangan/ Jumlah/
Salary Benefits Total
Dewan Komisaris 4,480,000,000 876,758,121 5,356,758,121 Board of Commissioners
Dewan Direksi 13,144,000,000 2,925,820,834 16,069,820,834 Board of Directors
Komite Audit, Komite Audit Committee, Risk
Pemantau Risiko dan Monitoring Committee
Komite Remunerasi and Remuneration
dan Nominasi 1,407,565,520 209,243,150 1,616,808,670 and Nomination
Jumlah 19,031,565,520 4,011,822,105 23,043,387,625 Total
2022
Gaji/ Tunjangan/ Jumlah/
Salary Benefits Total
Dewan Komisaris 2,877,000,000 757,166,667 3,634,166,667 Board of Commissioners
Dewan Direksi 9,214,000,000 2,175,442,315 11,389,442,315 Board of Directors
Komite Audit, Komite Audit Committee, Risk
Pemantau Risiko dan Monitoring Committee
Komite Remunerasi and Remuneration
dan Nominasi 905,962,500 229,847,500 1,135,810,000 and Nomination
Jumlah 12,996,962,500 3,162,456,482 16,159,418,982 Total
Jumlah pesangon pemutusan kontrak The amount of the termination benefits for
kerja kepada manajemen kunci pada the key management as at December 31,
31 Desember 2023 dan 2022 masing- 2023 and 2022 amounted to nil and
masing sebesar nihil dan Rp2,793,136,287, respectively.
Rp2.793.136.287.
91
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Berdasarkan Akta Perpanjangan Sewa Based on the Deed of Lease Extension
Menyewa No. 1 tanggal 1 Oktober 2018 No.1 dated October 1, 2018 of Sheila
yang dibuat di hadapan notaris Sheila Ersan Sugito, SH., MKn., notary in
Ersan Sugito, SH., MKn., notaris di Jakarta, Jakarta, between PT Asean Motor
antara PT Asean Motor International International and the Bank both parties
dengan Bank, kedua belah pihak telah have agreed to extend lease agreement
menyetujui untuk melakukan on the building that is the room in the
perpanjangan perjanjian sewa menyewa building located on the 1st floor, 2nd floor
atas gedung yaitu ruangan di dalam and 3rd floor which are located at Jl. Kyai
gedung yang terletak di lantai 1 (satu), Haji Samanhudi No. 10-10 A, Central
lantai 2 (dua) dan lantai 3 (tiga) yang Jakarta. The rent expense for the lease
beralamat di Jl. Kyai Haji Samanhudi extension amounting to Rp243,702,500 for
No.10-10 A, Jakarta Pusat. Biaya sewa each month and the service charge/
untuk perpanjangan sewa tersebut maintenance expense amounting to
sebesar Rp243.702.500 per bulan dan Rp103,526,742 for each month. This
biaya service charge/maintenance sebesar agreement lasts for 5 years, starting on
Rp103.526.742 per bulan. Perjanjian ini December 19, 2017 until December 19,
berlangsung selama 5 tahun, terhitung 2022.
mulai tanggal 19 Desember 2017 sampai
dengan 19 Desember 2022.
Berdasarkan perjanjian No. 021/PKS/AB- Based on agreement No. 021/PKS/AB-
BM/IX/2021 pada tanggal 20 September BM/IX/2021 dated September 20, 2021,
2021 antara PT Bank Mega Tbk dengan between Bank Mega Tbk and the Bank in
Bank dalam penyediaan Jasa Teknologi providing Data Center and/or Data
Informasi Data Center dan/atau Data Recovery Center Information Technology
Recovery Center. Perjanjian ini Services. This agreement lasts for
berlangsung selama 3 tahun, terhitung 3 years, starting on September 23, 2021
mulai tanggal 23 September 2021 sampai until September 22, 2024.
dengan 22 September 2024.
Berdasarkan perjanjian Based on agreement No. 029/PRFS/2021
No. 029/PRFS/2021 pada tanggal dated October 26, 2021, between Bank
26 Oktober 2021 antara Bank Mega Tbk Mega Tbk and the Bank for rent space in
dengan Bank untuk menyewa ruangan di Menara Bank Mega Building. This
Gedung Menara Bank Mega. Perjanjian ini agreement lasts for 5 years, starting on
berlangsung selama 5 tahun, terhitung November 1, 2021 until October 30, 2026.
mulai tanggal 1 November 2021 sampai
dengan 30 Oktober 2026.
Berdasarkan perjanjian Based on agreement No. 001/PKS/AUM-
No. 001/PKS/AUM-MKT_BG-BHI/V/2021 MKT_BG-BHI/V/2021 dated May 6, 2021,
pada tanggal 6 Mei 2021 antara between PT Asuransi Umum Mega and
PT Asuransi Umum Mega dengan Bank the Bank for procurement of insurance
untuk pengadaan jasa asuransi bagi services for credit collateral. This
agunan kredit. Perjanjian ini berlangsung agreement lasts for 2 years, starting on
selama 2 tahun, terhitung mulai tanggal May 6, 2021 until May 6, 2023 and is
6 Mei 2021 sampai dengan 6 Mei 2023 automatically renewed.
dan diperpanjang otomatis.
Berdasarkan perjanjian Based on agreement No. 001/PRFS/2022
No. 001/PRFS/2022 pada tanggal dated January 3, 2022, between PT Bank
3 Januari 2022 antara PT Bank Mega Tbk Mega Tbk and the Bank to rent the
dengan Bank untuk menyewa lantai Mezanine floor in Menara Bank Mega
Mezanine di Gedung Menara Bank Mega. Building. This agreement lasts for 5
Perjanjian ini berlangsung selama 5 years, starting on Januari 3, 2022 until
tahun, terhitung mulai tanggal 3 Januari January 2, 2027.
2022 sampai dengan 2 Januari 2027.
92
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Berdasarkan perjanjian No. 004/PRFS/ Based on agreement No. 004/PRFS/2022
2022 pada tanggal 15 Maret 2022 antara dated March 15, 2022, between PT Bank
PT Bank Mega Tbk dengan Bank untuk Mega Tbk and the Bank to rent space on
menyewa ruangan di lantai dasar Gedung the ground floor of Menara Bank Mega
Menara Bank Mega. Perjanjian ini Building. This agreement lasts for
berlangsung selama 3 tahun, terhitung 3 years, starting on March 15, 2022 until
mulai tanggal 15 Maret 2022 sampai March 14, 2025.
dengan 14 Maret 2025.
Berdasarkan perjanjian Based on agreement No. 016/PRFS/2022
No. 016/PRFS/2022 pada tanggal dated September 1, 2022, between
1 September 2022 antara PT Bank Mega PT Bank Mega Tbk and the Bank to
Tbk dengan Bank untuk menyewa archive space at Bank Mega’s archive
ruangan arsip di gudang arsip Bank Mega warehouse in Setu Cipayung. This
di Setu Cipayung. Perjanjian ini agreement lasts for 2 years and 7
berlangsung selama 2 tahun 7 bulan, months, starting on September 1, 2022
terhitung mulai tanggal 1 September 2022 until March 31, 2025.
sampai dengan 31 Maret 2025.
b. Perjanjian Pengikatan Pengalihan Aset b. Agreement of Assets and Liabilities
dan Liabilitas ("Perjanjian Pengalihan”) Transfer (“Transfer Agreement”) to
kepada PT Bank Mega Tbk PT Bank Mega Tbk
Berdasarkan Rapat Umum Pemegang Based on the Annual General Meeting of
Saham Tahunan tanggal 19 Mei 2022, Shareholders on May 19, 2022, the
pemegang saham minoritas telah minority shareholders agreed to transfer
menyetujui untuk dilaksanakan pengalihan certain credit to PT Bank Mega Tbk and
kredit tertentu kepada PT Bank Mega Tbk stated in the Notarial Deed of the Annual
dan tertuang dalam Akta Rapat Umum General Meeting of Shareholders No. 02
Pemegang Saham Tahunan No. 02 dated May 19, 2022 by Dharma Akhyuzi,
tanggal 19 Mei 2022 yang dibuat oleh S.H., notary in Jakarta.
Dharma Akhyuzi, S.H., notaris di Jakarta.
Sesuai dengan rencana pengembangan In accordance with the Bank’s plan to
layanan jasa perbankan digital oleh Bank, develop digital banking services, certain
maka aset dan liabilitas tertentu yang assets and liabilities related to
dimiliki oleh Bank yang terkait dengan conventional banking services will be
layanan jasa perbankan konvensional unproductive and may cause a negative
menjadi tidak produktif dan dapat impact on services to customers. The
menyebabkan dampak yang negatif benefit from the transfer is will make the
terhadap pelayanan kepada nasabah. Bank more focusing on the digital
Manfaat dari pengalihan ini adalah akan banking services.
membuat Bank lebih fokus pada layanan
perbankan digital.
Berdasarkan Akta Pengalihan Aset dan Based on the Deed of Transfer of Assets
Liabilitas No. 10 tanggal 6 Juni 2022 yang and Liabilities No. 10 dated June 6, 2022
dibuat oleh Dharma Akhyuzi, S.H., notaris by Dharma Akhyuzi, S.H., notary in
di Jakarta, PT Allo Bank Indonesia Tbk Jakarta, PT Allo Bank Indonesia Tbk
(“Bank”) mengalihkan aset dan ("Bank") transferred its assets and
liabilitasnya kepada PT Bank Mega Tbk liabilities to PT Bank Mega Tbk ("Bank
(“Bank Mega”) dengan rincian sebagai Mega") with the following details:
berikut:
93
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Nilai Tercatat/ Nilai Pengalihan/
Carrying Value Transfer Value
Aset : Assets:
Kredit yang diberikan 685,134,740,474 698,092,925,395 Loans
Agunan yang diambil alih 172,355,510,798 175,355,510,798 Foreclosed assets
Aset tetap dan Inventaris 24,285,717,261 29,382,197,890 Fixed assets and equipment
Properti terbengkalai 4,749,591,250 5,300,000,000 Abandoned Property
Jumlah Aset 886,525,559,783 908,130,634,083 Total Assets
Liabilitas : Liabilities:
Deposito berjangka (474,838,369,817) (474,838,369,817) Time deposits
Tabungan (48,432,994,371) (48,432,994,371) Saving deposits
Giro (43,022,376,825) (43,022,376,825) Current accounts
Jumlah Liabilitas (566,293,741,013) (566,293,741,013) Total Liabilities
Nilai tercatat 320,231,818,770 -- Carrying value
Nilai pengalihan -- 341,836,893,070 Transfer price
Nilai pengalihan tersebut telah mendapat The transfer amount has obtained fairness
pendapat kewajaran dari Kantor Jasa opinion from Public Appraisal Office Satria
Penilai Publik Satria Setiawan dan Rekan Setiawan and Rekan (”KJPP”) in Fairness
(“KJPP”) yang dalam Laporan Pendapat Opinion Report No. 00027/2.0124-
Kewajaran No. 00027/2.0124- 03/BS/07/0257/1/V/2022 date May 13,
03/BS/07/0257/1/V/2022 tertanggal 2022.
13 Mei 2022.
Selisih antara nilai pengalihan dan nilai The difference between the transfer price
aset bersih yang dialihkan sebesar and the net asset value acquired
Rp21.605.074.300 dicatat sebagai bagian amounting Rp12,605,074,300, was
dari “Tambahan modal disetor” pada recorded as part of “Additional paid-in
laporan posisi keuangan tahun 2022. capital” account in the 2022 statement of
financial position.
Perjanjian Pengalihan Aset dan Liabilitas Assets and Liabilities Transfer Agreement
kepada PT Bank Mega Tbk telah berakhir. with PT Bank Mega Tbk.
37. Komitmen Dan Kontinjensi 37. Commitments And Contingencies
Akun-akun di bawah ini dicatat didalam The accounts below are recorded in the
laporan posisi keuangan ekstra-komtabel (off- statements of financial position of extra-
balance sheet): comptable (off-balance sheet):
2023 2022
Komitmen Commitments
Liabilitas komitmen Commitments liabilities
Fasilitas kredit kepada nasabah
yang belum digunakan (769,050,862,767) (732,944,524,795) Unused loan facilities to debtors
Kontinjensi Contingencies
Tagihan kontinjensi Contingencies receivables
Pendapatan bunga dalam
penyelesaian 5,323,911,942 365,330,056 Past due interest receivables
Kredit hapus buku 35,198,145,221 264,610,439 Written-off loans
Jumlah komitmen dan Total commitments and
kontinjensi - neto (728,528,805,604) (732,314,584,300) contingencies - net
94
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Bank memiliki saldo transaksi komitmen dan The Bank has commitments and contingencies
kontinjensi dengan pihak berelasi atas fasilitas transaction with related parties for unused loan
kredit kepada nasabah yang belum digunakan facilities amounting to nil and
sebesar nihil dan Rp86.568.407.182 pada Rp86,568,407,182 as at December 31, 2023
tanggal 31 Desember 2023 dan 2022. and 2022, respectively.
38. Jaminan Pemerintah Terhadap Kewajiban 38. Government Guarantee On Obligations Of
Pembayaran Bank Umum Commercial Banks
Berdasarkan Undang-Undang No. 24 tentang Based on Law No. 24 concerning the Indonesia
Lembaga Penjaminan Simpanan (LPS) Deposit Insurance Agency (LPS) dated
tanggal 22 September 2004, efektif sejak September 22, 2004, effective on September
tanggal 22 September 2005, sebagaimana 22, 2005, which was amended by Law No. 7
diubah dengan Undang-Undang No. 7 Tahun Year 2009 dated January 13, 2009 regarding
2009 tanggal 13 Januari 2009 tentang with the Determination of Government
Penetapan Peraturan Pemerintah Pengganti Regulation as Substitution of Law No. 3 Year
Undang-Undang No. 3 Tahun 2008, LPS 2008, LPS was formed to guarantee certain
dibentuk untuk menjamin liabilitas tertentu liabilities of commercial banks under the
bank-bank umum berdasarkan program applicable guarantee program, which the
penjaminan yang berlaku, yang besaran nilai amount of guarantee can be adjusted if certain
jaminannya dapat berubah jika memenuhi criterias are met.
kriteria tertentu yang berlaku.
Berdasarkan Peraturan Pemerintah Republik In accordance with Indonesia Government
Indonesia No. 66 Tahun 2008 tanggal Regulation No. 66 Year 2008 dated October
13 Oktober 2008, yang menyatakan bahwa 13, 2008, starting October 13, 2008 the
sejak tanggal 13 Oktober 2008 besaran nilai “Indonesia Deposit Insurance Agency (LPS)”
simpanan yang dijamin Lembaga Penjamin will guarantee bank deposits of each customers
Simpanan (LPS) untuk setiap nasabah pada in one bank for maximum of Rp100,000,000,
satu bank yang semula maksimal previously, then was changed to maximum of
Rp100.000.000 diubah menjadi maksimal Rp2,000,000,000.
Rp2.000.000.000.
Berdasarkan Surat Edaran No.PENG- Based on Circular Letter No. PENG-
9/DSPS/2023 tentang Penetapan Tingkat 9/DSPS/2023 on Determination Interest Rate
Bunga Penjaminan Untuk Simpanan di Bank Guarantee for Deposits at Commercial Banks
Umum tanggal 23 Mei 2023, tingkat bunga dated May 23, 2023, the interest rate
penjaminan periode 1 Juni 2023 sampai guarantee period June 1, 2023 up to
dengan 30 September 2023 untuk simpanan September 30, 2023 for deposits in commercial
di bank umum adalah 4,25% untuk mata uang banks is 4.25% for Rupiah and 2.25% for
Rupiah dan 2,25% untuk mata uang asing. foreign currency.
Berdasarkan Surat Edaran No.PENG- Based on Circular Letter No. PENG-
3/DSPS/2022 tentang Penetapan Tingkat 3/DSPS/2022 on the Determination Interest
Bunga Penjaminan Untuk Simpanan di Bank Rate Guarantee for Deposits at Commercial
Umum tanggal 7 Desember 2022, tingkat Banks dated December 7, 2022, the interest
bunga penjaminan periode 9 Desember 2022 rate guarantee period Desember 9, 2022 up to
sampai dengan 31 Januari 2023 untuk January 31, 2023 for deposits in commercial
simpanan di bank umum adalah 3,75% untuk banks is 3.75% for Rupiah and 1.75% for
mata uang Rupiah dan 1,75% untuk mata foreign currency.
uang asing.
Pada tanggal 31 Desember 2023 dan 2022, As at December 31, 2023 and 2022, the Bank
Bank adalah peserta dari program penjaminan is a participant of the program.
tersebut.
95
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Beban premi penjaminan Pemerintah yang The Government guarantee premium paid as at
dibayar selama pada tanggal 31 Desember December 31, 2023 and 2022 amounting to
2023 dan 2022 masing-masing sebesar Rp11,696,611,320 and Rp5,456,831,466,
Rp11.696.611.320 dan Rp5.456.831.466 respectively (Note 26).
(Catatan 26).
39. Informasi Segmen Usaha 39. Operating Segment Information
Berikut ini adalah informasi segmen Bank Information regarding the operating segments
berdasarkan segmen operasi: of the Bank are as follows:
31 Desember/December 31, 2023
Korporasi/ Ritel/ Tresuri/ Jumlah/
Corporate Retail Treasury Total
Pendapatan Bunga Bersih 662,745,225,106 134,820,885,215 239,188,688,752 1,036,754,799,073 Net Interest Income
Pendapatan Operasional Lainnya 6,915,727,595 78,285,540,502 37,373,920,257 122,575,188,354 Other Operating Income
Penyisihan Cadangan Kerugian Provision on Allowance for
Penurunan Nilai (1,192,646,093) (46,746,737,337) (2,368,795) (47,941,752,225) Impairment Losses
Beban Tenaga Kerja (144,556,384,983) -- -- (144,556,384,983) Personnel Expenses
Beban Umum dan Administrasi (391,270,804,253) -- -- (391,270,804,253) General and Administrarive Expenses
Laba Operasional 132,641,117,372 166,359,688,380 276,560,240,214 575,561,045,966 Operational Income
Pendapatan Non Operasional (286,771,831) -- -- (286,771,831) Non Operating Income
Laba Sebelum Pajak Penghasilan 132,354,345,541 166,359,688,380 276,560,240,214 575,274,274,135 Income Before Income Tax
Beban Pajak Penghasilan --
-- -- --
-- (130,708,139,831) Income Tax Expenses
Laba Bersih 132,354,345,541 166,359,688,380 276,560,240,214 444,566,134,304 Net Income
31 Desember/December 31, 2022
Korporasi/ Ritel/ Tresuri/ Jumlah/
Corporate Retail Treasury Total
Pendapatan Bunga Bersih 476,676,864,648 (2,906,494,006) 153,458,677,328 627,229,047,970 Net Interest Income
Pendapatan Operasional Lainnya 121,464,137,095 8,136,729,724 3,918,770,429 133,519,637,248 Other Operating Income
Penyisihan Cadangan Kerugian Provision on Allowance for
Penurunan Nilai (40,428,370,829) (3,649,503,983) (183,863,516) (44,261,738,328) Impairment Losses
Beban Tenaga Kerja (73,306,531,469) -- -- (73,306,531,469) Personnel Expenses
Beban Umum dan Administrasi (286,577,245,489) -- -- (286,577,245,489) General and Administrarive Expenses
Laba Operasional 197,828,853,956 1,580,731,735 157,193,584,241 356,603,169,932 Operational Income
Pendapatan Non Operasional (4,291,241,715) -- -- (4,291,241,715) Non Operating Income
Laba Sebelum Pajak Penghasilan 193,537,612,241 1,580,731,735 157,193,584,241 352,311,928,217 Income Before Income Tax
Beban Pajak Penghasilan --
-- -- --
-- (82,282,517,024) Income Tax Expenses
Laba Bersih 193,537,612,241 1,580,731,735 157,193,584,241 270,029,411,193 Net Income
40. Manajemen Risiko 40. Risk Management
Kerangka Manajemen Risiko Risk Management Framework
Bank menerapkan manajemen risiko terpadu The Bank applies integrated and
dan komprehensif sehingga mampu comprehensive risk management that is
mendukung pencapaian target kinerja dan capable to support the achievement of
menjaga kelangsungan usaha. Strategi performance targets and maintain business
manajemen risiko yang proaktif akan continuity. Proactive risk management strategy
meningkatkan efektivitas penggunaan modal will improve effectiveness of capital utilization
dan tingkat pengembangan modal (Return on and the level of capital development (Return on
Equity) sehingga dapat memberikan nilai Equity) thus it can provide value added to the
tambah bagi pemegang saham. shareholders.
Bank telah memperhatikan cakupan penilaian The Bank has focused on the assessment
penerapan manajemen risiko melalui profil coverage of the management risk
risiko Bank baik penilaian inherent risk implementation through the Bank’s profile risk
maupun penilaian kualitas penerapan either assessment of inherent risk or
manajemen risiko serta menyesuaikan setiap assessment of quality management risk
indikator penilaian sesuai dengan peraturan implementation and adjust each assesments
yang baru dengan menggunakan konsep Risk indicators to the new regulations by using the
Based Bank Rating (RBBR). Risk Based Bank Rating (RBBR concept).
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Berdasarkan self-assessment yang dilakukan Based on the self-assessment conducted by
Bank selama periode 31 Desember 2023, the Bank during the period of December 31,
secara keseluruhan, tingkat profil risiko yang 2023 overally, the Bank’s risk profile composite
dihadapi Bank adalah pada peringkat rating is 2 (two). Various attempts to maintain
komposit 2 (dua). Berbagai upaya untuk the ratings on a composite rating 2 (two) are
mempertahankan penilaian pada peringkat carried out continuously, especially the
komposit 2 (dua) terus dilakukan terutama improvement and evaluation of the four major
perbaikan dan evaluasi pada empat kategori risks faced by the Bank, in addition to other
risiko utama yang dihadapi Bank, disamping risks. The four key risks faced by the Bank are
risiko lainnya. Keempat risiko utama yang credit risk, market risk, liquidity risk, operational
dihadapi Bank adalah risiko kredit, risiko pasar, risk. By involving all elements in the Bank
risiko likuiditas, risiko operasional. Dengan which is the Board of Commissioners and the
melibatkan semua unsur dalam Bank dimana Board of Directors that have the role to ensure
Dewan Komisaris dan Direksi mempunyai the implementation of risk management has
tugas memastikan penerapan manajemen been adequate in accordance with complexity
risiko telah memadai sesuai kompleksitas dan and the Bank’s risk profile and understand well
profil risiko Bank serta memahami dengan baik the types and level of inherent risk on the
jenis dan tingkat risiko yang melekat pada Bank’s business activities.
kegiatan bisnis Bank.
Mekanisme pengelolaan risiko secara day to Day to day risk management mechanism is
day dengan berdasarkan prinsip kehati-hatian based on conservatism principle that has been
telah dituangkan dalam beberapa kebijakan contained in several policies and procedures,
dan prosedur, yang merupakan aturan acuan which is as a reference regulation in
dalam implementasi manajemen risiko pada implementation of risk management in all the
seluruh kegiatan bisnis Bank yang meliputi Bank’s business activities including policy,
kebijakan, strategi, organisasi, sistem informasi strategy, organization, information system of
manajemen risiko, pengawasan risiko, risk management, risk monitoring, product
pengelolaan produk, aktivitas baru dan management, new activity and Business
Business Continuity Plan (BCP). Continuity Plan (BCP).
Untuk menjamin tercapainya praktik manajemen In order to ensure the achievement of the best
risiko terbaik pada Bank, kontribusi dari Komite risk management practices in the Bank, the
Pemantau Risiko dan Komite Audit dinilai contribution of the Risk Monitoring Committee
memadai dalam mendukung pelaksanaan tugas and Audit Committee is considered adequate to
Dewan Komisaris. Komite Pemantau Risiko support the duty of the Board of
memiliki tanggung jawab dalam pemantauan Commissioners. The Risk Monitoring
dan evaluasi pelaksanaan manajemen risiko di Committee has responsibility in monitoring and
Bank, sedangkan Komite Audit bertanggung evaluation the implementation risk
jawab dalam pemantauan dan evaluasi management in the Bank, while the Audit
pelaksanaan audit, pengendalian proses Committee has responsibility in monitoring and
internal dan pelaporan keuangan. evaluation the audit implementation, internal
control and financial reporting.
Kedua komite pendukung Dewan Komisaris Both committees that support the Board of
tersebut berperan sebagai organ Commissioners act as complementary parts to
komplementer bagi satu sama lain dalam hal one another in terms of conducting surveillance
melakukan pengawasan pada Bank, tetapi for the Bank, but both of them have
keduanya memiliki tanggung jawab di ranah responsibilities in different realms.
yang berbeda.
Manajemen Risiko Aset dan Liabilitas Risk Management Asset and Liabilities
Manajemen Aset/Liabilitas adalah serangkaian Management Assets/Liabilities is a set of
tindakan dan prosedur yang dirancang untuk actions and procedures designed to control
mengontrol posisi keuangan, dalam financial position, to support and assist the
mendukung dan membantu pelaksanaan tugas implementation of director’s duty in maintaining
direksi dalam memelihara struktur neraca yang the structure of strong balance sheet, the Bank
kuat, Bank telah membentuk Asset and Liability has established the Asset and Liability
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CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Committee (ALCO) yang diketuai oleh Direktur Committee (ALCO) which is chaired by
Utama dan wakil ketua Direktur Bisnis dengan President Director and vice chairment by
anggota lainnya terdiri dari Direktur Keuangan Director of Business, with other members
dan Operasi, Direktur Risiko, Kepatuhan, consisting Finance and Operations Director,
Human Capital dan Hukum, Kepala Keuangan Risk, Compliance, Human Capital and Legal
dan Akunting, Kepala Pendanaan, Kepala Director, Finance and Accounting Head,
Kredit, Kepada Risiko Kredit dan Kepala Divisi Funding Head, Credit Head, Credit Risk Head
Treasury sebagai sekretaris. and Head Treasury Division as secretary.
ALCO bertanggung jawab untuk mengevaluasi, ALCO is responsible for evaluating, proposing,
mengusulkan, dan menetapkan strategi and establishing the strategy of the Bank’s
pendanaan dan investasi Bank. Ruang lingkup funding and investment. The scope of ALCO is
ALCO adalah mengelola risiko likuiditas, risiko to manage liquidity risk, interest rate risk and
tingkat suku bunga, dan risiko nilai tukar valuta foreign exchange risk; minimize funding costs
asing; meminimalkan biaya pendanaan serta and maintain liquidity at the same time; and
mempertahankan likuiditas pada saat yang optimize the acquisition of the Bank’s interest
bersamaan; dan mengoptimalkan perolehan income by allocating funds in productive assets
pendapatan bunga Bank dengan carefully.
mengalokasikan dana pada aset produktif
secara hati-hati.
Proses pengelolaan aset dan liabilitas Bank The process of managing the Bank’s assets
dimulai dengan pengkajian parameter ekonomi and liabilities starts with an assessment of
yang mempengaruhi Bank, yang umumnya economic parameters affecting the Bank, which
terdiri dari tingkat inflasi, likuiditas pasar, yield generally consist of inflation rate, market
curve, nilai tukar valuta asing terhadap rupiah, liquidity, yield curve, the exchange rate of
dan faktor makro ekonomi lainnya. Kajian foreign currency, and other macro economic
tersebut oleh Satuan Kerja Manajemen Risiko factors. The review by the Risk Management
dilaporkan kepada Asset and Liability Committee Unit reported to the Asset and Liability
(ALCO). ALCO kemudian akan menentukan Committee (ALCO). Then ALCO will define the
strategi bisnis dalam penetapan tingkat bunga business strategy in the setting of interest rates
simpanan dan kredit berdasarkan kondisi, on deposits and loans based on the conditions,
kebijakan dan pengalokasian dana, evaluasi policies and funding allocation, evaluation of
kewajiban-kewajiban Bank, pemantauan laba the Bank obligations, monitoring of the Bank’s
Bank yang telah dicapai serta memonitor posisi earnings that have been achieved as well as
likuiditas. monitoring its liquidity position.
Risiko Kredit Credit Risk
Risiko Kredit adalah risiko yang timbul sebagai Credit Risk is risk which arises as a result of
akibat kegagalan counterparty memenuhi counterparty failure fulfilling the obligation. The
liabilitasnya. Bank melakukan pengelolaan risiko Bank manages credit risk by developing
kredit dengan menyusun strategi dan kerangka strategies and frameworks as well as running
kerja serta menjalankan upaya mitigasi risiko the risk mitigation efforts on the business
atas aspek bisnis perkreditan mikro, retail, aspects of micro lending, retail, commercial, or
komersial, maupun konsumsi, penempatan consumption, inter-bank placements and
antar-bank serta pembelian surat berharga. purchases of securities.
Untuk menjaga agar kualitas kredit Bank tetap In order to keep the credit quality of the Bank
terjaga dengan baik, maka pemantauan maintained properly, then the monitoring of the
terhadap kualitas kredit terus dilakukan secara credit quality continues to be done on a regular
rutin, baik per kategori kredit (Retail, Komersial, basis, either by loan category (Retail,
dan Konsumsi) maupun portofolio kredit secara Commercial, and Consumption) as well as
keseluruhan. Sistem pengukuran profil risiko overall loan portfolio. Debtor risk profile
debitur, prosedur, sistem manajemen risiko, measurement system, procedures, risk
sistem database dan organisasi perkreditan management systems, database systems and
terus disempurnakan dengan penekanan credit organizations continue to be refined with
kepada penerapan prinsip “empat mata” (four an emphasis on the application of the “four
eyes principle) dimana keputusan kredit diambil eyes” principle (four eyes principle) where
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
berdasarkan pertimbangan dari dua sisi, yaitu credit decisions are taken based on the
sisi pengembangan bisnis dan sisi analisis consideration of the two sides, namely the
risiko kredit. development of the business side and the
credit risk analysis side.
Bank juga membentuk Komite Kredit untuk The Bank also formes a Credit Committee to
membantu Direksi mengevaluasi dan/atau help the Board of Director evaluate and/or
memberikan keputusan kredit sesuai batas provide credit Decisions in accordance with the
wewenangnya melalui Rapat Komite Kredit limits of its authority through the Credit
atau Surat Edaran Direksi. Fungsi pokok Committee Meeting or Directors Circular Letter.
Komite Kredit adalah: The major functions of Credit Committee are:
1. Memastikan bahwa seluruh aspek telah 1. To ensure that all aspects have been
memenuhi prinsip pemberian kredit yang fulfilling the principle of sound lending in
sehat sesuai dengan Pedoman Kebijakan accordance with the Bank's Credit Policy
Perkreditan Bank; Guidance;
2. Memastikan bahwa kredit yang diberikan 2. To ensure that the loans do not violate
tidak melanggar prinsip kehati-hatian; the principle of prudence;
3. Meyakini bahwa kredit yang akan diberikan 3. To convince that the loan will be given can
dapat dilunasi pada saat jatuh tempo be repaid at maturity based on an analysis
berdasarkan analisis terhadap permohonan of the application filed by the prospective
yang diajukan oleh calon debitur; debtor;
4. Memberikan persetujuan atau penolakan 4. To provide approval or rejection on credit
atas permohonan kredit setelah application after obtaining sufficient
memperoleh informasi yang cukup dari information from proposer; and
pengusul; dan
5. Memberikan persyaratan tertentu (jika 5. To provide certain requirements (if
dipandang perlu) sebagai salah satu bentuk deemed necessary) as one form of credit risk
mitigasi risiko kredit yang mungkin akan mitigation that might arise.
timbul.
Bank telah mengembangkan pengelolaan risiko The Bank has developed credit risk
kredit dengan melakukan analisis stress testing management by conducting regular stress
secara berkala terhadap portofolio kredit serta testing analysis of the loan portfolio as well as
melakukan monitoring terhadap hasil stress the monitoring of the results of the stress
testing tersebut. Stress testing bermanfaat bagi testing. Stress testing is beneficial for the Bank
Bank sebagai alat untuk memperkirakan as a tool for estimating the impact of risk on the
besarnya dampak risiko pada “stressful “stressful condition” so that the Bank can make
condition” sehingga Bank dapat membuat appropriate strategies to mitigate these risks as
strategi yang sesuai untuk memitigasi risiko part of the implementation of the “contingency
tersebut sebagai bagian dari pelaksanaan plan”.
“contingency plan”.
Dalam melakukan pengelolaan risiko kredit In conducting credit risk management, the
Bank sangat memperhatikan hal-hal yang Bank is very concerned of several things
meliputi sumber daya manusia yang sadar including human resource who is aware of the
risiko, proses persetujuan kredit yang risks, transparent and gradual credit approval
transparan dan berjenjang oleh Komite Kredit, process by Credit Committee, procedures,
tata cara, kriteria dan alat ukur risiko yang criteria and a distinctive risk measuring tool,
jelas, administrasi dan dokumentasi yang administration and complete documentation
lengkap serta pengawasan kredit secara and continuously credit monitoring of loans
berkesinambungan terhadap kualitas kredit quality, monitoring of debtors and taking
yang diberikan, pengawasan atas debitur dan actions needed to avoid the credit quality
mengambil tindakan yang diperlukan agar become non-performing loans (NPL), do
kualitas kreditnya tidak menjadi non-performing intensive billing to non-performing debtors,
loans (NPL), melakukan penagihan secara reviewing and evaluating indicator of risk and
intensif terhadap debitur bermasalah, melakukan compliance aspects for evaluating
kaji ulang dan mengevaluasi indikator aspek implementation of four eyes principles, intensify
risiko dan kepatuhan untuk mengevaluasi meeting of credit committee decision for giving
penerapan four eyes principles, credit with large credit limit, and consistently
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
mengintensifkan rapat komite pemutus kredit monitor credit in order to expand healthy and
untuk pemberian kredit dengan plafon besar, quality credit.
dan secara konsisten memantau kredit dalam
rangka ekspansi kredit yang sehat dan
berkualitas.
Selama tahun 2023 dan 2022, tidak terdapat During 2023 and 2022, there are no loans
pemberian kredit pihak ketiga tidak terkait granted to third parties that exceed the Legal
yang melampaui Batas Maksimum Pemberian Lending Limit (LLL) required by Financial
Kredit (BMPK) yang ditetapkan oleh Otoritas Services Authority.
Jasa Keuangan.
Untuk tahun-tahun yang berakhir For the years ended December 31, 2023 and
31 Desember 2023 dan 2022, profil risiko 2022, rating of the loan risk profile is 3 (three)
kredit Bank masing-masing berada pada and 2 (two), respectively.
peringkat 3 (tiga) dan 2 (dua).
a. Eksposur maksimum terhadap risiko a. Maximum exposure to credit risk
kredit
Dalam aset keuangan yang diakui di The financial assets that are recognized in
laporan posisi keuangan, eksposur the statement of financial position, the
maksimum terhadap risiko kredit sama maximum exposure to credit risk is equal
dengan nilai tercatatnya. Untuk bank to its carrying value. For bank guarantees
garansi yang diterbitkan, eksposur issued, the maximum exposure to credit
maksimum terhadap risiko kredit adalah risk is a value that must be paid by the
nilai yang harus dibayarkan oleh Bank Bank if the liabilities for bank guarantees
jika kewajiban atas bank garansi yang issued occur or be realized. For credit
diterbitkan terjadi atau terealisasi. Untuk commitments, the maximum exposure to
komitmen kredit, eksposur maksimum credit risk is equal to total amount of the
atas risiko kredit adalah sebesar jumlah undrawn commited credit granted to
fasilitas yang belum ditarik dari nilai customers.
penuh fasilitas kredit yang telah
disepakati (committed) kepada nasabah.
Tabel berikut menyajikan eksposur The following table presents the Bank's
maksimum risiko kredit Bank atas maximum exposure to credit risk on
instrumen keuangan pada laporan posisi financial instruments in the statement of
keuangan (on-balance sheet) dan financial position (on-balance sheet) and
rekening administratif (off-balance sheet), administrative accounts (off-balance
tanpa memperhitungkan agunan yang sheet), without taking into account
dimiliki atau perlindungan kredit lainnya. collateral or other credit enchancement.
2023 2022
Laporan Posisi Keuangan Statement of Financial Position
Giro pada Bank Indonesia 233,442,087,888 305,945,558,821 Current accounts with Bank Indonesia
Giro pada bank lain 216,113,532,903 189,830,167,856 Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 1,399,970,850,337 374,938,237,140 and other banks
Efek-efek 3,182,839,180,000 1,896,710,000,000 Marketable securities
Efek-efek yang dibeli dengan Securities purchased under
janji dijual kembali -- 764,098,785,000 resell agreement
Kredit yang diberikan 7,385,707,867,283 7,205,558,228,374 Loans
Pendapatan bunga yang masih
akan diterima 80,521,652,797 50,797,548,019 Interest receivables
Aset lain-lain 2,449,163,201 3,473,943,460 Other assets
Jumlah 12,501,044,334,409 10,791,352,468,670 Total
Rekening Administratif Administrative Accounts
Fasilitas kredit kepada nasabah Unused loan facilities
yang belum digunakan (Catatan 37) 769,050,862,767 732,944,524,795 to debtors (Note 37)
Jumlah 769,050,862,767 732,944,524,795 Total
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
b. Analisis konsentrasi risiko kredit b. Analysis of credit risk concentration
Bank mendorong adanya diversifikasi dari The Bank encourages the diversification of
portofolio kreditnya pada berbagai wilayah its loan portfolio in various geographic
geografis, industri dan produk kredit regions, industries and credit products in
sebagai upaya untuk meminimalkan risiko an effort to minimize credit risk.
kredit.
Tabel di bawah ini adalah konsentrasi The following table is the Bank’s loan
kredit yang diberikan Bank yang concentration which describes loan based
menggambarkan pemberian kredit on economic sector and the intended use
berdasarkan sektor ekonomi dan tujuan of credit.
penggunaan kredit.
Konsentrasi kredit yang diberikan Bank The Bank’s loan concentration based on
berdasarkan sektor ekonomi adalah economic sector are as follows:
sebagai berikut:
2023 2022
Rp % Rp %
Sektor Ekonomi: Economic Sectors:
Pertanian, perburuan Agriculture, hunting
dan kehutanan 460,914,583,334 6.24 494,179,166,667 6.86 and forestry
Pertambangan 477,058,173,176 6.46 233,564,048,736 3.24 Mining
Industri pengolahan 1,449,000,000,000 19.62 1,390,000,000,000 19.29 Manufacturing electricity
Listrik, gas and air 37,237,823,511 0.50 -- -- Gas and water
Pengangkutan, pergudangan Transportation,warehousing
dan komunikasi 473,263,422,998 6.41 -- -- and communication
Perantara keuangan 59,639,149,519 0.81 -- -- Financial intermediaries
Real estate, usaha
persewaan dan -- -- Real estate leasing services
jasa perusahaan 3,977,001,175,656 53.85 4,934,276,678,120 68.48 and servicing company
Lain-lain 451,593,539,089 6.11 153,538,334,851 2.13 Others
Jumlah 7,385,707,867,283 100 7,205,558,228,374 100 Total
Konsentrasi kredit yang diberikan Bank The Bank’s loans concentration by types
berdasarkan jenis penggunaan kredit of the use of loan are as follows:
adalah sebagai berikut:
2023 2022
Rp % Rp %
Jenis penggunaan Types of use
Investasi 6,624,475,178,675 89.69 6,802,019,893,523 94.40 Investment
Modal Kerja 309,639,149,519 4.19 250,000,000,000 3.47 Working Capital
Konsumsi 451,593,539,089 6.12 153,538,334,851 2.13 Consumer
Jumlah 7,385,707,867,283 100.00 7,205,558,228,374 100.00 Total
c. Analisis risiko kredit c. Credit risk analysis
Aset Keuangan yang Mengalami Financial Assets which Individually
Penurunan Nilai Secara Individual Impaired
Aset keuangan yang mengalami Financial assets which impaired
penurunan nilai secara individual adalah individually are financial assets that are
aset keuangan yang signifikan secara individually significant and have objective
individual dan telah terdapat bukti objektif evidence that an impairment individual has
bahwa penurunan nilai individual telah occurred after the initial recognition of the
terjadi setelah pengakuan awal aset asset.
keuangan tersebut.
Sesuai kebijakan internal Bank, kredit Corresponding to the Bank’s internal
yang ditentukan sebagai signifikan secara policies, a loan is defined as individually
individual adalah kredit yang diberikan significant is a loan given to debtors in
kepada debitur-debitur segmen komersial. commercial segment.
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Aset Keuangan yang Tidak Signifikan Financial Assets that is not Significant
Secara Individual dan Penurunan Nilainya Individually is Assessed for Collective
Dinilai Secara Kolektif Impairment
Aset keuangan yang nilainya tidak Financial assets which is not individually
signifikan secara individual adalah kredit significant are loans and receivables given
dan piutang yang diberikan oleh Bank by the Banks to debtors in retail segments,
kepada debitur-debitur segmen ritel yaitu namely debtors Micro and Small
debitur kredit Usaha Mikro dan Kecil Enterprises (SME), consumer financing
(UMK), kredit pembiayaan konsumen loans (including credit co-financing) and
(termasuk kredit pembiayaan bersama), housing loans.
dan kredit kepemilikan dan perbaikan
rumah.
Bank menentukan penurunan nilai aset The Bank determines the impairment of
keuangan yang tidak signifikan secara financial assets that are not significant
individual dan secara kolektif, dengan individually and collectively, by classifying
mengelompokkan aset keuangan tersebut the financial assets based on similar credit
berdasarkan karakteristik risiko yang risk characteristics.
serupa.
Nilai tercatat aset keuangan yang tidak The carrying values of financial assets that
signifikan secara individual dan penurunan are not significant individually and
nilainya dinilai secara kolektif yang telah collectively impaired that has been
jatuh tempo lebih dari 90 (sembilan puluh) overdue for more than 90 (ninety) days as
hari pada tanggal 31 Desember 2023 dan at December 31, 2023 and 2022 are
2022 masing-masing sebesar Rp6,000,416,632 and Rp904,488,011
Rp6.000.416.632 dan Rp904.488.011. respectively.
Aset Keuangan yang Lewat Jatuh Tempo Financial Assets That are Past Due But
Tetapi Tidak Mengalami Penurunan Nilai Not Impaired
Termasuk dalam aset keuangan yang Included in the financial assets that have
jatuh tempo dan tidak mengalami past due and not impaired are financial
penurunan nilai adalah aset keuangan assets that are not impaired on an
yang tidak mengalami penurunan nilai individual basis and have been
secara individual dan telah dikelompokkan categorized based on similar credit risk
berdasarkan karakteristik risiko yang characteristics, to assess impairment for
serupa, untuk menilai penurunan nilainya losses collectively that have been
secara kolektif atas kerugian yang telah incurred. As at December 31, 2023 and
terjadi. Pada 31 Desember 2023 dan 2022 2022 are nil, each.
masing-masing sebesar nihil.
d. Agunan d. Collateral
Tidak ada aset keuangan dan non- There are no financial and non-financial
keuangan yang diperoleh Bank melalui assets obtained by the Bank through the
pengambilalihan kepemilikan agunan yang acquisition of ownership of collateral which
merupakan jaminan terhadap aset is insurance against financial assets held.
keuangan yang dimiliki.
e. Efek-efek untuk tujuan investasi e. Marketable securities for investment
purposes
Informasi tentang kualitas kredit dari Information about the credit quality of the
eksposur maksimum risiko kredit aset maximum exposure to credit risk of
keuangan untuk tujuan investasi adalah financial assets for investment purposes
sebagai berikut: are as follows:
2023 2022
Surat berharga Pemerintah Government securities
Investment grade 3,182,839,180,000 1,896,710,000,000 Investment grade
Nilai wajar 3,182,839,180,000 1,896,710,000,000 Fair value
102
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Risiko Pasar Market Risk
Risiko pasar (market risk) merupakan risiko Market risk is the risk arising from movement
yang timbul karena adanya pergerakan in market variables (adverse movement) of the
variabel pasar (adverse movement) dari portfolio held by the Bank, which adverse the
portofolio yang dimiliki oleh Bank, yang Bank.
merugikan Bank.
a. Risiko tingkat suku bunga a. Interest rate risk
Komponen utama kewajiban Bank yang The main components of the Bank's
sensitif terhadap pergerakan tingkat suku liabilities which are sensitive to
bunga adalah simpanan nasabah, movements in interest rates are deposit
sedangkan aset Bank yang sensitif from customers, while the Bank’s
adalah obligasi pemerintah, efek-efek sensitive assets are government bonds,
untuk tujuan investasi, dan kredit yang securities for investment purposes, and
diberikan. loans.
ALCO secara berkala memantau ALCO regularly monitors the market
perkembangan pasar dan menyesuaikan developments and adjusts the interest
tingkat suku bunga simpanan dan kredit rates on provided deposits and loans.
yang diberikan.
Bank melakukan pengukuran IRRBB The Bank performs IRRBB (Interest Rate
(Interest Rate Risk in the Banking Book) Risk in the Banking Book) measurements
untuk mengetahui dampak perubahan to determine the impact of changes in
suku bunga terhadap EVE (Economic interest rate on EVE (Economic Value of
Value of Equity) dan NII (Net Interest Equity) and NII (Net Interest Income) by
Income) dengan menghitung gap antara calculating the gap between RSA (Rate
RSA (Rate Sensitive Asset) dan RSL Sensitive Assets) and RSL (Rate
(Rate Sensitive Liabilities). Sensitive Liabilities).
Banking book adalah semua aset Banking book is that all financial
keuangan/posisi lainnya yang tidak assets/other positions that are not
termasuk dalam trading book. Untuk included in trading book. For the
pengukuran risiko suku bunga pada measurement of interest rate risk in the
trading book, Bank menggunakan metode trading book, the Bank uses the standard
standar Bank Indonesia untuk method for the calculation of Bank
perhitungan pelaporan KPMM Bank. Indonesia reporting CAR of the Bank.
Bank menentukan tingkat suku bunga The Bank determines interest rates on
simpanan nasabah berdasarkan kondisi deposits from customers based on
pasar dan persaingan dengan memantau market conditions and competition by
pergerakan tingkat suku bunga acuan monitoring the movement of the reference
dan suku bunga yang ditawarkan oleh rate and interest rates offered by
bank pesaing. Tingkat suku bunga competing banks. Interest rates on
simpanan pada umumnya bervariasi deposits generally vary depending on the
tergantung pada jangka waktu dan duration and amount of savings. The
besarnya simpanan. Tingkat suku bunga interest rates on current and savings
giro dan tabungan bersifat mengambang accounts are floating and reviewed
dan ditinjau secara berkala sesuai periodically in accordance with market
dengan kondisi pasar, sedangkan tingkat conditions, while the time deposit interest
suku bunga deposito berjangka bersifat rate is fixed, according to the time period.
tetap, sesuai dengan jangka waktunya. Credit interest rate is determined by
Tingkat suku bunga kredit ditetapkan adding a certain margin above the Bank's
dengan menambahkan marjin tertentu funding costs (including the financing
atas biaya pendanaan Bank (termasuk costs GWM).
biaya pendanaan GWM).
103
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Risiko tingkat suku bunga arus kas Interest rate risk of cash flow is the risk
adalah risiko dimana arus kas masa that the future cash flows of a financial
depan dari suatu instrumen keuangan instrument fluctuate because of changes
berfluktuasi karena perubahan suku in market interest rates. Fair value
bunga pasar. Risiko nilai wajar suku interest rate risk is the risk that the fair
bunga adalah risiko dimana nilai wajar value of a financial instrument fluctuated
dari suatu instrumen keuangan because of changes in market interest
berfluktuasi karena perubahan suku rates. The Bank has exposure to
bunga pasar. Bank memiliki eksposur fluctuations in market interest rates, either
terhadap fluktuasi tingkat suku bunga over fair value or cash flow risk.
pasar yang berlaku, baik atas risiko nilai
wajar maupun arus kas.
Tabel berikut merangkum aset dan The following table summarizes the
liabilitas keuangan Bank (tidak untuk Bank's assets and financial liabilities (that
tujuan diperdagangkan) pada nilai are not for trading purposes) in carrying
tercatat, yang dikelompokkan menurut amount, classified according to which is
mana yang lebih awal antara tanggal the earlier of the date of repricing or
repricing atau tanggal jatuh tempo contractual maturity date.
kontraktual.
2023
Suku Bunga Mengambang/
Floating Interest Rate Suku Bunga Tetap/Fixed Interest Rate
Tidak
> 3 bulan - dikenakan
1 tahun/ bunga/
< 3 bulan/ > 3 bulan/ < 3 bulan/ > 3 month - > 1 tahun/ Non-interest
< 3 months > 3 months < 3 months 1 year > 1 year bearing
ASET KEUANGAN FINANCIAL ASSETS
Current account with
Giro pada Bank Indonesia 233,442,087,888 -- -- -- -- -- Bank Indonesia
Current account with
Giro pada bank lain 216,113,532,903 -- -- -- -- -- other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain -- -- 1,399,970,850,337 -- -- -- and other banks
Efek-efek -- -- -- -- 3,182,839,180,000 -- Marketable securities
Kredit yang diberikan 379,587,442,573 7,005,753,598,017 -- 230,154,161 136,672,532 -- Loans
Jumlah aset keuangan 829,143,063,364 7,005,753,598,017 1,399,970,850,337 230,154,161 3,182,975,852,532 -- Total financial assets
LIABILITAS KEUANGAN FINANCIAL LIABILITIES
Simpanan nasabah 513,300,662,751 -- 4,338,140,905,525 46,999,311,478 225,211,565 -- Deposits from customers
Simpanan dari bank lain -- -- 45,000,037,389 -- -- -- Deposits from other banks
Jumlah liabilitas keuangan 513,300,662,751 -- 4,383,140,942,914 46,999,311,478 225,211,565 -- Total financial liabilities
Gap repricing suku bunga 315,842,400,613 7,005,753,598,017 (2,983,170,092,577) (46,769,157,317) 3,182,750,640,967 -- Interest rate repricing gap
2022
Suku Bunga Mengambang/
Floating Interest Rate Suku Bunga Tetap/Fixed Interest Rate
Tidak
> 3 bulan - dikenakan
1 tahun/ bunga/
< 3 bulan/ > 3 bulan/ < 3 bulan/ > 3 month - > 1 tahun/ Non-interest
< 3 months > 3 months < 3 months 1 year > 1 year bearing
ASET KEUANGAN FINANCIAL ASSETS
Current account with
Giro pada Bank Indonesia 305,945,558,821 -- -- -- -- -- Bank Indonesia
Current account with
Giro pada bank lain 189,830,167,856 -- -- -- -- -- other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain -- -- 374,938,237,140 -- -- -- and other banks
Efek-efek -- -- -- -- 1,896,710,000,000 -- Marketable securities
Kredit yang diberikan 7,850,624,115 7,197,380,904,039 5,006,400 12,499,700 309,194,120 -- Loans
Jumlah aset keuangan 503,436,796,842 7,197,380,904,039 374,943,243,540 12,499,700 1,897,019,194,120 -- Total financial assets
LIABILITAS KEUANGAN FINANCIAL LIABILITIES
Simpanan nasabah 351,696,220,519 -- 4,044,742,212,150 17,452,577,974 1,756,902,088 -- Deposits from customers
Simpanan dari bank lain -- -- 39,873 -- -- -- Deposits from other banks
Jumlah liabilitas keuangan 351,696,220,519 -- 4,044,742,252,023 17,452,577,974 1,756,902,088 -- Total financial liabilities
Gap repricing suku bunga 151,740,576,323 7,197,380,904,039 (3,669,799,008,483) (17,440,078,274) 1,895,262,292,032 -- Interest rate repricing gap
b. Analisis sensitivitas b. Sensitivity analysis
Berdasarkan laporan repricing gap, Bank Based on repricing gap report, the Bank
melakukan analisis sensitivitas terhadap conducts a sensitivity analysis to each
setiap perubahan (naik atau turun) suku interest rate change (increase or
bunga secara paralel sebesar 1% (satu decrease) in parallel of 1% (one percent),
persen), dengan asumsi: with the following assumptions:
104
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
• Perubahan suku bunga komponen • The changes in interest rates on asset
aset sama besar dengan perubahan components equal to the liability
suku bunga komponen liabilitas; dan component changes in interest rates;
and
• Perubahan yang sama besar untuk • The simillar changes for each length of
setiap jangka waktu pada yield curve time on the yield curve (parallel yield
(parallel yield curve movement). curve movement).
Analisis sensitivitas ini dilakukan secara This sensitivity analysis was carried out on
berkala setiap bulan untuk kepentingan a regular basis every month for the benefit
ALCO. Tabel berikut menunjukkan of ALCO. The following table shows the
sensitivitas atas kemungkinan perubahan sensitivity to the possibility of changes in
tingkat suku bunga pasar, dengan variabel market interest rates, with other variables
lain dianggap tetap, terhadap pendapatan held constant, to the net interest income:
bunga neto:
2023 2022
Penurunan pendapatan bunga neto Decrease on net interest income
karena kenaikan suku bunga 1% due to parallel increase 1%
secara paralel (30,788,000,000) (25,956,000,000) of interest rate
Kenaikan pendapatan bunga neto Increase on net interest income
karena penurunan suku bunga 1% due to parallel decrease 1%
secara paralel 30,788,000,000 25,956,000,000 of interest rate
Bank melakukan pengukuran risiko suku The Bank measures interest rate risk by
bunga dengan menggunakan metodologi using method that can identify interest rate
yang dapat mengidentifikasi risiko suku risk from portfolio of asset and liabilities
bunga dari portofolio aset dan liabilitas that sensitive to the change of interest
yang sensitif terhadap perubahan suku rate.
bunga.
Pemantauan atas eksposur Bank terhadap Monitoring of the Bank’s exposure to
risiko pasar dilakukan oleh Asset and market risk is performed by Asset and
Liability Committee (ALCO) dengan Liability Committee (ALCO) by controlling
melakukan pengendalian (Asset and (Asset and Liability Management (ALMA))
Liability Management (ALMA)) atas the market risk exposure in a parameter
eksposur risiko pasar dalam parameter that can be accepted as well as
yang dapat diterima serta memaksimalkan maximizing rate of return of the risk.
tingkat pengembalian atas risiko.
Untuk tahun yang berakhir 31 Desember For the year ended December 31, 2023
2023 dan 2022 profil risiko pasar Bank and 2022 rating of the Bank’s market risk
berada pada peringkat 2 (dua). profile is 2 (two).
c. Excess modal Bank c. The Bank’s excess capital
Perhitungan excess modal Bank dilakukan The calculation of the Bank’s excess
dengan menghitung modal bank secara capital is conducted by calculating the
total dan menguranginya dengan 10,00% Bank’s total capital and reduce with
dari total ATMR (Kredit + Pasar + 10,00% of the total risk weighted assets
Operasional). Excess modal ini yang (RWA) (Credit + Market + Operational).
kemudian dibagi terhadap masing-masing This excess capital is then divided by the
risiko pasar nilai tukar dan suku bunga respective market exchange risk and
untuk melihat berapa besar kemampuan interest rate risk to measure the Bank’s
coverage modal Bank (diluar regulatory capital-coverage-ability (exclude
requirement) apabila terjadi kerugian regulatory requirement) in the event of
sebesar risiko yang telah dihitung. loss of the amount to the risk that has
been calculated.
105
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Tabel dibawah ini menunjukkan excess The table below shows the Bank's excess
modal Bank (tidak diaudit). capital (unaudited).
10.00%*Total
Jumlah Modal/ ATMR/ Excess Modal/
Total Capital 10.00%*Total RWA Excess Capital
2023 - Desember 6,918,860,000,000 819,449,198,370 6,099,410,801,630 2023 - December
2022 - Desember 6,404,050,000,000 805,199,700,000 5,598,850,300,000 2022 - December
Risiko Likuiditas Liquidity Risk
Risiko likuiditas muncul sebagai akibat dari Liquidity risk arises as a result of the structural
mismatch struktur aset dan liabilitas Bank. mismatch of assets and liabilities of the Bank.
Bank mengelola risiko likuiditas untuk The Bank manages liquidity risk to ensure the
memastikan kemampuan dalam memenuhi ability to meet obligations to customers or
liabilitas kepada nasabah atau pihak lawan counterparty when due by keeping and
yang jatuh tempo dengan menjaga dan maintaining the amount of liquid assets
mempertahankan jumlah aset likuid yang sufficient to pay the deposits from customers, to
cukup untuk membayar simpanan para provide funds for lending, to supply of liquidity
nasabah, penyediaan dana dalam rangka for operations and to keep the amount of
pemberian kredit, pemenuhan kebutuhan assets that matured in each period can cover
likuiditas operasional dan menjaga agar jumlah the amount of matured liabilities.
aset yang jatuh tempo pada setiap periode
dapat menutupi jumlah liabilitas yang jatuh
tempo.
Pengelolaan likuiditas Bank dilakukan dengan The Bank's liquidity management is conducted
mengalokasikan penempatan dana pada by allocating the placement of funds in the
Cadangan Utama (Primary Reserve), Primary Reserve, Secondary Reserve, and
Cadangan Sekunder (Secondary Reserve), Tertiary Reserve in accordance with the
dan Cadangan Tertier (Tertiary Reserve) specified criteria and limits. The function of the
sesuai dengan kriteria dan limit yang overall management of liquidity is conducted by
ditetapkan. Fungsi pengelolaan kebutuhan ALCO and operationally by the Treasury
likuiditas secara keseluruhan dilakukan oleh Division.
ALCO dan secara operasional oleh Divisi
Treasuri.
Bank melakukan pengukuran risiko likuiditas The Bank measures liquidity risk using
dengan menggunakan perkiraan arus kas, estimated cash flows, maturity profile and
maturity profile dan rasio likuiditas. liquidity risk.
Dalam pengukuran tersebut juga dilakukan The measurements also perform stress testing
stress testing untuk rangka mengetahui tingkat in order to determine the level of Bank's ability
kemampuan Bank dalam menghadapi tekanan in facing liquidity pressures in unusual market
likuiditas pada kondisi pasar yang tidak conditions.
normal.
Untuk mengantisipasi meningkatnya risiko To anticipate the increasing liquidity risk, the
likuiditas, upaya pengelolaan secondary Bank's secondary reserve management is
reserve Bank dilaksanakan dengan lebih hati- undertaken more carefully in line with the Loan
hati sejalan dengan kondisi Loan to Funding to Funding Ratio (LFR) so that the overall
Ratio (LFR) sehingga kondisi likuiditas secara liquidity conditions can be maintained and
keseluruhan dapat tetap terjaga dan controlled.
terkendali.
Untuk tahun yang berakhir 31 Desember 2023 For the year ended December 31, 2023 and
dan 2022, profil risiko likuiditas Bank berada 2022, rating of the Bank’s liquidity risk profile 2
pada peringkat 2 (dua). (two).
106
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Tabel berikut menyajikan arus kas kontraktual The following table presents the cash flows
yang tidak didiskontokan dari liabilitas from the contractual undiscounted financial
keuangan dan rekening administratif Bank liabilities and the Bank’s administrative
berdasarkan periode tersisa sampai dengan accounts based on the period remaining until
tanggal jatuh tempo kontraktual. the contractual maturity date.
2023
> 3 bulan -
Sampai dengan 1 tahun/
Nilai tercatat/ 1 bulan/ > 1 - 3 bulan/ > 3 months - > 1 - 5 tahun/
Carrying amount Until 1 month > 1 - 3 months 1 year > 1 - 5 years
Liabilitas Keuangan Financial Liabilities
Simpanan nasabah 4,898,666,091,319 4,015,103,056,098 836,338,512,178 46,999,311,478 225,211,565 Deposits from customer
Simpanan bank lain 45,000,037,389 45,000,037,389 -- -- -- Deposits from other banks
Efek-efek yang dijual dengan janji Securities sold under
dibeli kembali 611,288,163,333 611,288,163,333 -- -- -- repurchased agreement
Bunga yang masih harus dibayar 15,049,164,570 15,049,164,570 -- -- -- Accrued interests
Jumlah 5,570,003,456,611 4,686,440,421,390 836,338,512,178 46,999,311,478 225,211,565 Total
Rekening Administratif Administrative Accounts
Fasilitas nasabah yang belum
digunakan 769,050,862,767 240,361,781,961 16,824,882,986 330,882,240,814 180,981,957,006 Unused facilities
Jumlah 769,050,862,767 240,361,781,961 16,824,882,986 330,882,240,814 180,981,957,006 Total
2022
> 3 bulan -
Sampai dengan 1 tahun/
Nilai tercatat/ 1 bulan/ > 1 - 3 bulan/ > 3 months - > 1 - 5 tahun/
Carrying amount Until 1 month > 1 - 3 months 1 year > 1 - 5 years
Liabilitas Keuangan Financial Liabilities
Simpanan nasabah 4,415,647,912,731 4,127,273,686,746 269,164,745,923 17,452,577,974 1,756,902,088 Deposits from customer
Simpanan bank lain 39,873 39,873 -- -- -- Deposits from other banks
Bunga yang masih harus dibayar 12,421,187,940 12,421,187,940 -- -- -- Accrued interests
Setoran jaminan 68,500,000 -- -- -- 68,500,000 Security deposit
Jumlah 4,428,137,640,544 4,139,694,914,559 269,164,745,923 17,452,577,974 1,825,402,088 Total
Rekening Administratif Administrative Accounts
Fasilitas nasabah yang belum
digunakan 732,944,524,795 128,856,300,930 1,450,643,583 139,353,566,915 463,284,013,367 Unused facilities
Jumlah 732,944,524,795 128,856,300,930 1,450,643,583 139,353,566,915 463,284,013,367 Total
Tabel analisis likuiditas (sisa jangka waktu Table of liquidity analysis remaining (maturity
jatuh tempo) dari aset dan liabilitas Bank pada time) as at December 31, 2023 and 2022:
tanggal 31 Desember 2023 dan 2022:
2023
Jatuh tempo/Maturity
Sampai
dengan
Saldo/ Lain-lain/ 1 tahun/ 1 - 2 tahun/ 2 - 5 tahun/ > 5 tahun/
Amount Others Until 1 year 1 - 2 years 2 - 5 years > 5 years
ASET KEUANGAN FINANCIAL ASSETS
Kas 3,848,905,800 -- 3,848,905,800 -- -- -- Cash
Current account with
Giro pada Bank Indonesia 233,442,087,888 -- 233,442,087,888 -- -- -- Bank Indonesia
Giro pada bank lain 216,113,532,903 -- 216,113,532,903 -- -- -- Current account with other banks
Penempatan pada Bank Indonesia Placements with Bank
dan bank lain 1,399,970,850,337 -- 1,399,970,850,337 -- -- -- Indonesia and other banks
Efek-efek 3,182,839,180,000 -- -- -- -- 3,182,839,180,000 Marketable securities
Kredit yang diberikan 7,385,707,867,283 -- 701,349,278,114 136,672,532 4,807,043,910,305 1,877,178,006,332 Loans
Pendapatan bunga yang
masih akan diterima 80,521,652,797 80,521,652,797 -- -- -- -- Interest receivables
Aset lain-lain 2,449,163,201 2,449,163,201 -- -- -- -- Other assets
Jumlah aset 12,504,893,240,209 82,970,815,998 2,554,724,655,042 136,672,532 4,807,043,910,305 5,060,017,186,332 Total assets
LIABILITAS KEUANGAN FINANCIAL LIABILITIES
Liabilitas segera 185,136,203,393 -- 185,136,203,393 -- -- -- Obligations due Immediately
Giro 48,190,454,891 -- 48,190,454,891 -- -- -- Current accounts
Tabungan 465,110,207,860 -- 465,110,207,860 -- -- -- Saving deposits
Deposito berjangka 4,385,365,428,568 -- 4,385,140,217,003 225,211,565 -- -- Time deposits
Simpanan dari bank lain 45,000,037,389 -- 45,000,037,389 -- -- -- Deposits from other banks
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali 611,288,163,333 -- 611,288,163,333 -- -- -- repurchased agreement
Bunga yang masih harus dibayar 15,049,164,570 -- 15,049,164,570 -- -- -- Accrued interests
Jumlah liabilitas 5,755,139,660,004 -- 5,754,914,448,439 225,211,565 -- -- Total liabilities
Jumlah aset (liabilitas) Total financial assets
keuangan - neto 6,749,753,580,205 82,970,815,998 (3,200,189,793,397) (88,539,033) 4,807,043,910,305 5,060,017,186,332 (liabilities) - net
107
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2022
Jatuh tempo/Maturity
Sampai
dengan
Saldo/ Lain-lain/ 1 tahun/ 1 - 2 tahun/ 2 - 5 tahun/ > 5 tahun/
Amount Others Until 1 year 1 - 2 years 2 - 5 years > 5 years
ASET KEUANGAN FINANCIAL ASSETS
Kas 3,173,579,300 -- 3,173,579,300 -- -- -- Cash
Current account with
Giro pada Bank Indonesia 305,945,558,821 -- 305,945,558,821 -- -- -- Bank Indonesia
Giro pada bank lain 189,830,167,856 -- 189,830,167,856 -- -- -- Current account with other banks
Penempatan pada Bank Indonesia Placements with Bank
dan bank lain 374,938,237,140 -- 374,938,237,140 -- -- -- Indonesia and other banks
Efek-efek 1,896,710,000,000 -- -- -- -- 1,896,710,000,000 Marketable securities
Efek-efek yang dibeli dengan janji Securities purchased under
dijual kembali 764,098,785,000 -- 764,098,785,000 -- -- -- resell agreement
Kredit yang diberikan 7,205,558,228,374 -- 402,297,339,953 778,611,955 5,346,656,402,459 1,455,825,874,007 Loans
Pendapatan bunga yang
masih akan diterima 50,797,548,019 50,797,548,019 -- -- -- -- Interest receivables
Aset lain-lain 3,473,943,460 3,473,943,460 -- -- -- -- Other assets
Jumlah aset 10,794,526,047,970 54,271,491,479 2,040,283,668,070 778,611,955 5,346,656,402,459 3,352,535,874,007 Total assets
LIABILITAS KEUANGAN FINANCIAL LIABILITIES
Liabilitas segera 138,770,930,759 -- 138,770,930,759 -- -- -- Obligations due Immediately
Giro 39,857,338,986 -- 39,857,338,986 -- -- -- Current accounts
Tabungan 309,248,627,187 -- 309,248,627,187 -- -- -- Saving deposits
Deposito berjangka 4,066,541,946,558 -- 4,064,785,044,470 1,756,902,088 -- -- Time deposits
Simpanan dari bank lain 39,873 -- 39,873 -- -- -- Deposits from other banks
Bunga yang masih harus dibayar 12,421,187,940 -- 12,421,187,940 -- -- -- Accrued interests
Liabilitas lain-lain 68,500,000 68,500,000 -- -- -- -- Other liabilities
Jumlah liabilitas 4,566,908,571,303 68,500,000 4,565,083,169,215 1,756,902,088 -- -- Total liabilities
Jumlah aset (liabilitas) Total financial assets
keuangan - neto 6,227,617,476,667 54,202,991,479 (2,524,799,501,145) (978,290,133) 5,346,656,402,459 3,352,535,874,007 (liabilities) - net
Risiko Operasional Operational Risk
Risiko operasional adalah risiko yang Operational risk is the risk which is caused by
disebabkan adanya ketidakcukupan dan/atau insufficiency and/or disfunction of internal
tidak berfungsinya proses internal (kebijakan, process (policy, system and procedure), system
sistem dan prosedur), kesalahan sistem, error, human error, or external problem, which
kesalahan manusia, atau adanya problem influences the Bank’s operation. To minimize
eksternal yang mempengaruhi operasional operational risks in each functional activity, the
Bank. Untuk meminimalisasi risiko operasional Bank formulates policies and procedures and
pada setiap aktivitas fungsional, maka Bank limits that are designated for intensive
menyusun kebijakan dan prosedur serta monitoring of operational losses risk in all
penetapan limit yang ditujukan untuk aspects of the Bank’s operations.
memantau secara intensif kerugian risiko
operasional pada seluruh aspek operasional
Bank.
Untuk tahun yang berakhir 31 Desember 2023 For the year ended December 31, 2023 and
dan 2022, profil risiko operasional Bank 2022, rating of the Bank’s operational risk
masing-masing berada pada peringkat 3 (tiga) profile is 3 (three) and 2 (two), respectively.
dan 2 (dua).
Penerapan Risk and Control Self Assessment Risk and Control Self Assessment (RCSA)
(RCSA) pada seluruh satuan kerja di Bank implementation on all working unit in the Bank
ditujukan untuk membantu satuan kerja is intended to help the working unit as a first
sebagai langkah pertahanan awal (first line of line of defense in identifying and measuring
defense) dalam mengidentifikasi dan operational risk independently on functional
mengukur secara independent risiko activities, monitoring and determining
operasional pada aktivitas fungsionalnya, improvement steps or future action.
melakukan pemantauan dan penetuan
langkah-langkah perbaikan atau rencana
tindak lanjut kedepan.
Satuan Kerja Manajemen Risiko (SKMR) Risk Management Unit (SKMR) as second line
sebagai second line of defense bertanggung of defense responsible on improving and
jawab dalam melakukan pengembangan dan implementing policies/procedures, supervision,
pengimplementasian kebijakan/prosedur, assessment, and monitoring risk management
pengawasan, pengkajian, dan melakukan process as guidance in implementation risk
pemantauan proses manajemen risiko sebagai management and support operational units in
pedoman dalam penerapan manajemen risiko improving the consideration and compliance to
dengan mendukung satuan kerja operasional management risk principle. It is also conducted
108
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
dalam mengembangkan kepedulian dan by utilizing the assessment result of the internal
kepatuhan terhadap prinsip-prinsip audit unit (SKAI) on the process implementation
manajemen risiko. Hal itu dilakukan pula consistency and the adequacy of internal
dengan memanfaatkan hasil penilaian control on risk implementation.
terhadap konsistensi pelaksanaan proses dan
kecukupan pengendalian internal dalam
penerapan risiko yang dilakukan oleh Satuan
Kerja Audit Internal (SKAI).
Risiko Lainnya Other Risks
1. Risiko kepatuhan merupakan risiko yang 1. Compliance risk is a risk that arises
disebabkan akibat Bank tidak mematuhi because the Bank does not comply with
ketentuan perundang-undangan yang legislation implementation. The Bank
berlaku. Bank mengelola risiko kepatuhan manages compliance risk by performing a
dengan melakukan penelaahan secara comprehensive review to ensure
komprehensif untuk memastikan comformity with standard operating policy
kesesuaian kebijakan standar operasi dan and procedure and development of new
prosedur serta pengembangan produk product with external regulation.
baru dengan peraturan eksternal. Satuan Compliance unit has implemented
kerja kepatuhan telah melaksanakan assessment, in order to prevent
pengkajian dalam rangka mencegah irregularities to the applicable legislation
penyimpangan terhadap peraturan and the other regulation, including:
perundangan-undangan dan ketentuan
lain yang berlaku meliputi tindakan:
• Mewujudkan terlaksananya budaya • Realizing the implementation of
kepatuhan pada semua tingkatan compliance culture in all organization
organisasi dan kegiatan usaha Bank; and business level in the Bank;
• Mengelola risiko kepatuhan yang • Managing compliance risks that faced
dihadapi oleh Bank, tindakan by the Bank, compliance risk
mengelola risiko kepatuhan management actions implemented by
dilaksanakan dengan mengacu pada referring to Bank Indonesia’s regulation
ketentuan Bank Indonesia mengenai regarding risk management for
manajemen risiko bagi bank umum; commercial banks;
• Memastikan kepatuhan Bank terhadap • Ensuring the Bank's compliance with
komitmen yang dibuat oleh Bank the commitments made by the Bank to
kepada Otoritas Jasa Keuangan (OJK) the Financial Services Authority (OJK)
dan atau otoritas pengawas lain yang and/or other supervisory authority.
berwenang.
Untuk tahun-tahun yang berakhir 31 For the years ended December 31, 2023
Desember 2023 dan 2022, profil risiko and 2022, rating of the Bank’s compliance
kepatuhan Bank berada pada peringkat 2 risk profile are 2 (two).
(dua).
2. Risiko hukum adalah risiko yang 2. Legal risk is a risk which is caused by
disebabkan oleh adanya kelemahan aspek the weakness of juridical aspect, such as
yuridis, yang antara lain berupa tuntutan lawsuits, lack of supporting legislation or
hukum, ketiadaan peraturan perundang- the weakness in engagement as
undangan yang mendukung atau unfulfillment of legitimate contract terms and
kelemahan perikatan seperti tidak imperfect binding collateral.
terpenuhinya syarat sah kontrak dan
pengikatan agunan yang tidak sempurna.
Bank mengelola risiko hukum dengan The Bank manages legal risk by ensuring
memastikan seluruh aktivitas dan all activities and relationship of business
hubungan kegiatan usaha Bank dengan activities of the Bank with third parties
pihak ketiga didasarkan pada aturan dan based on the regulation and requirements
persyaratan yang dapat melindungi that can protect the Bank in terms of the
kepentingan Bank dari segi hukum melalui: law through:
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
• Peninjauan secara berkala dengan • Periodic reviews to ensure that all
memastikan seluruh aktivitas dan activities and relationship of business
hubungan kegiatan usaha Bank activities of the Bank with third parties
dengan pihak ketiga didasarkan pada based on the rules and requirements
aturan dan persyaratan yang dapat that can protect the interests of the
melindungi kepentingan Bank dari segi Bank in terms of the law;
hukum;
• Pengembangan budaya kepatuhan • Development of compliance culture
dan kepedulian terhadap risiko hukum and awareness to legal risks to all
kepada seluruh pegawai pada setiap employees at every level of the
jenjang organisasi secara organization sustainably.
berkelanjutan.
Untuk tahun-tahun yang berakhir 31 For the years ended December 31, 2023
Desember 2023 dan 2022, profil hukum and 2022, rating of the Bank’s legal risk
Bank berada pada peringkat 2 (dua). profile is 2 (two).
3. Risiko reputasi adalah risiko yang antara 3. Reputation risk is a risk that caused by
lain disebabkan oleh adanya publikasi negative publicity related to the business
negatif yang terkait dengan kegiatan usaha activities of the Bank or negative
Bank atau persepsi negatif terhadap Bank. perceptions to the Bank. Reputation risk
Identifikasi risiko reputasi dilakukan pada identification performed on the factor of
faktor-faktor risiko yang melekat pada inherent risk in the functional activities that
aktivitas fungsional yang mencakup include transparency (disclosure
keterbukaan (disclosure requirement), requirement), customer complaints to the
keluhan nasabah terhadap pelayanan Bank’s services, behavior of the Bank's
Bank, perilaku karyawan Bank dalam employees in serving customers and
melayani nasabah dan sistem komunikasi communication systems of the Bank and
Bank serta seluruh aktivitas perbankan. the whole banking system.
Untuk tahun-tahun yang berakhir For the years ended December 31, 2023
31 Desember 2023 dan 2022, profil risiko and 2022, rating of the Bank’s reputation
reputasi Bank masing-masing berada pada risk profile is 2 (two) and 1 (one),
peringkat 2 (dua) dan 1 (satu). respectively.
4. Risiko strategis adalah risiko antara lain 4. Strategic risk is the risk caused by the
disebabkan adanya penetapan dan establishment and implementation from
pelaksanaan strategi Bank yang tidak inaccurate Bank's strategy, business plan
tepat, pengambilan keputusan rencana decision-making that is not fixed or lack of
bisnis yang tidak tetap atau kurang the Bank’s responsiveness to external
responsifnya Bank terhadap perubahan changes. Management of strategic risk
eksternal. Pengelolaan risiko strategis through the consideration and decision-
melalui proses pertimbangan dan making process of each policy collectively
pengambilan keputusan setiap kebijakan and comprehensively by the Board of
secara kolektif dan komprehensif oleh Directors and Committees that have been
Direksi dan Komite-komite yang telah set up and monitoring the realization of
dibentuk serta memantau realisasi strategic plan by comparing the target to be
rencana strategis dengan achieved and ensure that the risk that
membandingkan target yang akan dicapai retrieved is still within tolerance limit.
dan memastikan bahwa risiko yang akan
diambil masih dalam batas toleransi.
Untuk tahun-tahun yang berakhir For the years ended December 31, 2023
31 Desember 2023 dan 2022, profil risiko and 2022, rating of the Bank’s strategic risk
strategis Bank berada pada peringkat profile is 2 (two).
2 (dua).
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
41. Aset Dan Liabilitas Keuangan 41. Financial Assets And Liabilities
2023
Aset keuangan
pada nilai wajar
melalui
penghasilan
Aset keuangan komprehensif
pada nilai wajar Aset keuangan lain/ Liabilitas
melalui pada biaya Financial keuangan
laba atau rugi/ perolehan assets diamortisasi/ Jumlah nilai
Financial assets diamortisasi/ at fair value Financial tercatat/ Jumlah nilai
at fair value Financial through other liabilities Total wajar/
through assets comprehensive at amortized carrying Total fair
profit or loss at amortized cost income cost amount value
Aset Assets
Kas -- 3,848,905,800 -- -- 3,848,905,800 3,848,905,800 Cash
Current account with
Giro pada Bank Indonesia -- 233,442,087,888 -- -- 233,442,087,888 233,442,087,888 Bank Indonesia
Current account with
Giro pada bank lain -- 216,113,532,903 -- -- 216,113,532,903 216,113,532,903 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan Bank lain -- 1,399,970,850,337 -- -- 1,399,970,850,337 1,399,970,850,337 and other banks
Efek-efek: Marketable securities:
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain -- -- 3,182,839,180,000 -- 3,182,839,180,000 3,182,839,180,000 comprehensive income
Kredit yang diberikan -- 7,385,707,867,283 -- -- 7,385,707,867,283 7,385,707,867,283 Loans
Pendapatan bunga yang
masih akan diterima -- 80,521,652,797 -- -- 80,521,652,797 80,521,652,797 Interest receivables
Aset lain-lain -- 22,475,722,354 -- -- 22,475,722,354 22,475,722,354 Other assets
Jumlah aset keuangan -- 9,342,080,619,362 3,182,839,180,000 -- 12,524,919,799,362 12,524,919,799,362 Total financial assets
Liabilitas Liabilities
Liabilitas segera -- -- -- 185,136,203,393 185,136,203,393 185,136,203,393 Obligations due immediately
Simpanan nasabah: Deposits from customers:
Giro -- -- -- 48,190,454,891 48,190,454,891 48,190,454,891 Current accounts
Tabungan -- -- -- 465,110,207,860 465,110,207,860 465,110,207,860 Savings deposits
Deposito -- -- -- 4,385,365,428,568 4,385,365,428,568 4,385,365,428,568 Time deposits
Simpanan dari bank lain -- -- -- 45,000,037,389 45,000,037,389 45,000,037,389 Deposits from other bank
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali -- -- 611,288,163,333 -- 611,288,163,333 611,288,163,333 repurchased agreement
Bunga yang masih harus
dibayar -- -- -- 15,049,164,570 15,049,164,570 15,049,164,570 Accrued interests
Liabilitas lain-lain -- -- -- 49,876,667,494 49,876,667,494 49,876,667,494 Other liabilities
Jumlah liabilitas keuangan -- -- 611,288,163,333 5,193,728,164,165 5,805,016,327,498 5,805,016,327,498 Total financial liabilities
2022
Aset keuangan
pada nilai wajar
melalui
penghasilan
Aset keuangan komprehensif
pada nilai wajar Aset keuangan lain/ Liabilitas
melalui pada biaya Financial keuangan
laba atau rugi/ perolehan assets diamortisasi/ Jumlah nilai
Financial assets diamortisasi/ at fair value Financial tercatat/ Jumlah nilai
at fair value Financial through other liabilities Total wajar/
through assets comprehensive at amortized carrying Total fair
profit or loss at amortized cost income cost amount value
Aset Assets
Kas -- 3,173,579,300 -- -- 3,173,579,300 3,173,579,300 Cash
Current account with
Giro pada Bank Indonesia -- 305,945,558,821 -- -- 305,945,558,821 305,945,558,821 Bank Indonesia
Current account with
Giro pada bank lain -- 189,830,167,856 -- -- 189,830,167,856 189,830,167,856 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan Bank lain -- 374,938,237,140 -- -- 374,938,237,140 374,938,237,140 and other banks
Efek-efek: Marketable securities:
Nilai wajar melalui Fair value through other
penghasilan komprehensif lain -- -- 1,896,710,000,000 -- 1,896,710,000,000 1,896,710,000,000 comprehensive income
Efek-efek yang dibeli dengan Securities purchased to
janji dijual kembali -- 764,098,785,000 -- -- 764,098,785,000 764,098,785,000 resell
Kredit yang diberikan -- 7,205,558,228,374 -- -- 7,205,558,228,374 7,205,558,228,374 Loans
Pendapatan bunga yang
masih akan diterima -- 50,797,548,019 -- -- 50,797,548,019 50,797,548,019 Interest receivables
Aset lain-lain -- 63,377,200,982 -- -- 63,377,200,982 63,377,200,982 Other assets
Jumlah aset keuangan -- 8,957,719,305,492 1,896,710,000,000 -- 10,854,429,305,492 10,854,429,305,492 Total financial assets
Liabilitas Liabilities
Liabilitas segera -- -- -- 138,770,930,759 138,770,930,759 138,770,930,759 Obligations due immediately
Simpanan nasabah: Deposits from customers:
Giro -- -- -- 39,857,338,986 39,857,338,986 39,857,338,986 Current accounts
Tabungan -- -- -- 309,248,627,187 309,248,627,187 309,248,627,187 Savings deposits
Deposito -- -- -- 4,066,541,946,558 4,066,541,946,558 4,066,541,946,558 Time deposits
Simpanan dari bank lain -- -- -- 39,873 39,873 39,873 Deposits from other bank
Bunga yang masih harus
dibayar -- -- -- 12,421,187,940 12,421,187,940 12,421,187,940 Accrued interests
Liabilitas lain-lain -- -- -- 58,753,596,087 58,753,596,087 58,753,596,087 Other liabilities
Jumlah liabilitas keuangan -- -- -- 4,625,593,667,390 4,625,593,667,390 4,625,593,667,390 Total financial liabilities
111
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Nilai wajar aset keuangan dan liabilitas The fair values of the above financial assets
keuangan di atas diukur dengan dasar sebagai and liabilities are determined based on the
berikut: following:
Aset keuangan Financial assets
Nilai wajar aset keuangan lancar (umumnya The fair values of financial assets that are
kurang dari satu tahun) seperti giro pada short-term in nature (generally less than one
Bank Indonesia dan bank lain, penempatan year) such as current accounts with Bank
pada Bank Indonesia dan bank lain, Indonesia and other banks, placements with
pendapatan bunga yang masih akan diterima Bank Indonesia and other banks, interest
dan aset lain-lain adalah sebesar nilai tercatat receivables and other assets represent their
karena nilai tercatat tersebut telah mendekati carrying amounts as these approximates their
estimasi nilai wajarnya. estimated fair values.
Estimasi nilai wajar kredit yang diberikan The estimated fair value of loans (normally
(umumnya kredit dengan bunga floating interest bearing loans) represents the
mengambang) merupakan nilai kini dari present value amount of estimated future cash
estimasi arus kas masa depan yang flows expected to be received discounted at
diharapkan akan diterima yang didiskontokan current market rates.
pada suku bunga pasar.
Nilai wajar untuk surat berharga hingga jatuh The fair values of marketable securities are
tempo ditetapkan berdasarkan harga pasar based on the market prices or broker/dealer
atau harga kuotasi perantara price quotations. When this information is not
(broker)/pedagang efek (dealer). Jika available, the fair value is estimated using
informasi ini tidak tersedia, nilai wajar quoted market prices for securities with similar
diestimasi dengan menggunakan harga pasar credit, maturity and yield characteristics.
kuotasi efek yang memiliki karakteristik kredit,
jatuh tempo dan yield yang serupa.
Liabilitas keuangan Financial liabilities
Nilai wajar liabilitas keuangan lancar The fair values of financial liabilities that are
(biasanya kurang dari satu tahun) seperti short-term in nature (generally less than one
efek-efek yang dijual dengan janji dibeli year) such as securities sold under
kembali, simpanan nasabah dan bank lain, repurchased agreement, deposits from
bunga yang masih harus dibayar dan liabilitas customers and other banks, accrued interests
lain-lain adalah sebesar nilai tercatat karena and other liabilities represent their carrying
nilai tercatat tersebut telah mendekati estimasi amounts as these approximates their estimated
nilai wajarnya. fair values.
Estimasi nilai wajar simpanan tanpa jatuh The estimated fair value of deposits with no
tempo adalah sebesar jumlah terutang ketika stated maturity is equal to the amount owed
utang tersebut harus segera dibayar pada saat when the debt must be paid at the time billed.
ditagih.
Hierarki nilai wajar Fair value hierarchy
PSAK 68, Pengukuran nilai wajar PSAK 68, Fair Value Measurements requires
mensyaratkan pengungkapan atas disclosure of fair value measurements by level
pengukuran nilai wajar dengan tingkat hierarki with the following fair value measurement
nilai wajar sebagai berikut: hierarchy:
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
• harga kuotasian (tidak disesuaikan) dalam • quoted prices (unadjusted) in active
pasar aktif untuk aset atau liabilitas yang markets for identical assets or liabilities
identik (tingkat 1); (level 1);
• input selain harga kuotasian yang • inputs other than quoted prices included
termasuk dalam tingkat 1 yang dapat within level 1 that are observable for the
diobservasi untuk aset atau liabilitas, asset or liability, either directly (as prices)
baik secara langsung (misalnya harga) or indirectly (as derived from prices)
atau secara tidak langsung (misalnya (level 2); and
derivasi dari harga) (tingkat 2); dan
• input untuk aset atau liabilitas yang bukan • inputs for the asset or liability that are
berdasarkan data pasar yang dapat not based on observable market data
diobservasi (input yang tidak dapat (unobservable inputs) (level 3).
diobservasi) (tingkat 3).
Tabel di bawah ini menyajikan instrumen The tables below set out the fair value of
keuangan yang diakui pada nilai wajar yang financial instruments grouped according to
dikelompokkan berdasarkan hierarki nilai the fair value hierarcy.
wajar.
2023
Jumlah tercatat/
Total carrying Level 1/ Level 2/ Jumlah/
amount Level 1 Level 2 Total
Aset Assets
Kas 3,848,905,800 -- 3,848,905,800 3,848,905,800 Cash
Giro pada Current accounts with
Bank Indonesia 233,442,087,888 -- 233,442,087,888 233,442,087,888 Bank Indonesia
Current accounts with
Giro pada bank lain 216,113,532,903 -- 216,113,532,903 216,113,532,903 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 1,399,970,850,337 -- 1,399,970,850,337 1,399,970,850,337 and other banks
Efek-efek: Marketable securities:
Nilai wajar Amortized cost
melalui penghasilan Fair value through other
komprehensif lain 3,182,839,180,000 3,182,839,180,000 -- 3,182,839,180,000 comprehensive income
Kredit yang diberikan 7,385,707,867,283 -- 7,385,707,867,283 7,385,707,867,283 Loans
Pendapatan bunga yang
masih akan diterima 80,521,652,797 -- 80,521,652,797 80,521,652,797 Interest receivables
Aset lain-lain 2,449,163,201 -- 2,449,163,201 2,449,163,201 Other assets
Jumlah aset keuangan 12,504,893,240,209 3,182,839,180,000 9,322,054,060,209 12,504,893,240,209 Total financial assets
Liabilitas Liabilities
Liabilitas segera 185,136,203,393 -- 185,136,203,393 185,136,203,393 Obligations due immediately
Simpanan nasabah 4,898,666,091,319 -- 4,898,666,091,319 4,898,666,091,319 Deposits from customers
Simpanan dari bank lain 45,000,037,389 -- 45,000,037,389 45,000,037,389 Deposits from other banks
Efek-efek yang dijual dengan Securities sold under
janji dibeli kembali 611,288,163,333 -- 611,288,163,333 611,288,163,333 repurchased agreement
Bunga yang masih harus
dibayar 15,049,164,570 -- 15,049,164,570 15,049,164,570 Accrued interests
Liabilitas lain-lain 49,876,667,494 -- 49,876,667,494 49,876,667,494 Other liabilities
Jumlah liabilitas
keuangan 5,805,016,327,498 -- 5,805,016,327,498 5,805,016,327,498 Total financial liabilities
113
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2022
Jumlah tercatat/
Total carrying Level 1/ Level 2/ Jumlah/
amount Level 1 Level 2 Total
Aset Assets
Kas 3,173,579,300 -- 3,173,579,300 3,173,579,300 Cash
Giro pada Current accounts with
Bank Indonesia 305,945,558,821 -- 305,945,558,821 305,945,558,821 Bank Indonesia
Current accounts with
Giro pada bank lain 189,830,167,856 -- 189,830,167,856 189,830,167,856 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 374,938,237,140 -- 374,938,237,140 374,938,237,140 and other banks
Efek-efek: Marketable securities:
Nilai wajar Amortized cost
melalui penghasilan Fair value through other
komprehensif lain 1,896,710,000,000 1,896,710,000,000 -- 1,896,710,000,000 comprehensive income
Efek-efek yang dibeli
dengan janji dijual Securites purchased
kembali 764,098,785,000 764,098,785,000 -- 764,098,785,000 agreement to resell
Kredit yang diberikan 7,205,558,228,374 -- 7,205,558,228,374 7,205,558,228,374 Loans
Pendapatan bunga yang
masih akan diterima 50,797,548,019 -- 50,797,548,019 50,797,548,019 Interest receivables
Aset lain-lain 3,473,943,460 -- 3,473,943,460 3,473,943,460 Other assets
Jumlah aset keuangan 10,794,526,047,970 2,660,808,785,000 8,133,717,262,970 10,794,526,047,970 Total financial assets
Liabilitas Liabilities
Liabilitas segera 138,770,930,759 -- 138,770,930,759 138,770,930,759 Obligations due immediately
Simpanan nasabah 4,415,647,912,731 -- 4,415,647,912,731 4,415,647,912,731 Deposits from customers
Simpanan dari bank lain 39,873 -- 39,873 39,873 Deposits from other banks
Bunga yang masih harus
dibayar 12,421,187,940 -- 12,421,187,940 12,421,187,940 Accrued interests
Liabilitas lain-lain 58,753,596,087 -- 58,753,596,087 58,753,596,087 Other liabilities
Jumlah liabilitas
keuangan 4,625,593,667,390 -- 4,625,593,667,390 4,625,593,667,390 Total financial liabilities
Tidak terdapat pengalihan antara tingkat 1 There are no transfers between levels 1 and 2
dan 2 selama tahun berjalan. during the year.
Nilai wajar untuk instrumen keuangan yang The fair value of financial instruments traded in
diperdagangkan di pasar aktif ditentukan active markets is based on quoted market
berdasarkan kuotasi nilai pasar pada tanggal prices at the reporting date.
pelaporan.
Nilai wajar instrumen keuangan yang tidak The fair value of financial instruments that are
diperdagangkan di pasar aktif ditentukan not traded in an active market is determined
dengan menggunakan teknik penilaian using specific valuation techniques. These
tertentu. Teknik tersebut menggunakan data valuation techniques use the observable market
pasar yang dapat diobservasi sepanjang data where it is available and rely as little as
tersedia dan seminimal mungkin mengacu possible on estimates. If all significant inputs of
pada estimasi. Apabila seluruh input signifikan fair value are observable, these financial
atas nilai wajar dapat diobservasi, instrumen instruments are included in level 2.
keuangan ini termasuk dalam tingkat 2.
Teknik penilaian tertentu digunakan untuk Specific valuation techniques used to determine
menentukan nilai instrumen keuangan the financial instruments value include of:
mencakup:
• penggunaan kuotasi harga pasar atau diler • the use of quoted market prices or dealer
untuk instrumen sejenis; dan quotes for similar instruments; and
• teknik lain, seperti analisis arus kas • other techniques, such as discounted cash
diskonto, digunakan untuk menentukan flows analysis, are used to determine fair
nilai wajar instrumen keuangan lainnya value for the remaining financial
instruments
114
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
42. Manajemen Modal dan Rasio Liabilitas 42. Capital Management and Minimum Required
Penyediaan Modal Minimum (CAR) Capital Adequacy Ratio (CAR)
Tujuan manajemen permodalan Bank adalah The Bank’s capital management objectives is
untuk mempertahankan posisi modal yang kuat to maintain a strong capital position to support
untuk mendukung pertumbuhan bisnis dan business growth and to sustain investor,
mempertahankan investor, deposan, depositor, customer and market confidence. In
pelanggan dan kepercayaan pasar. Dalam managing its capital, the Bank considers
pengelolaan permodalan, Bank factors such as: an optimal providing capital
mempertimbangkan faktor-faktor seperti: rate of return to shareholders and maintaining a
pengembalian modal yang optimal pada balance between high return gearing ratio and
pemegang saham, menjaga keseimbangan safety provided by a sound capital position.
antara keuntungan yang lebih tinggi dengan
gearing ratio serta keamanan yang diberikan
oleh posisi modal yang sehat.
Sejak tanggal 2 Februari 2016, Bank Since February 2, 2016, the Bank calculates its
menghitung kebutuhan modal berdasarkan capital requirements in accordance with
Peraturan Otoritas Jasa Keuangan (POJK) No. Financial Services Authority Regulation (POJK)
11/POJK.03/2016 dan No. 34/POJK.03/2016 No. 11/POJK.03/2016 and No.
dimana modal yang diwajibkan regulator 34/POJK.03/2016 where the regulatory capital
dianalisis dalam dua tier sebagai berikut: is analyzed into two tiers as follows:
• Modal inti (tier 1), yang terdiri dari modal inti • Core capital (tier 1), which consists of core
utama dan modal inti tambahan (AT-1). and additional core capital (AT-1). Core
Modal inti utama terdiri dari modal capital includes issued and fully paid-up
diterbitkan dan disetor penuh dan cadangan capital and disclosed reserves. Disclosed
tambahan modal. Cadangan tambahan reserves consist of the addition factors such
modal terdiri dari faktor penambah yang as additional paid- in capital, general
terdiri dari agio saham biasa, cadangan reserve, capital advance, prior year profits,
umum, dana setoran modal, laba tahun- profit for the year and other comprehensive
tahun lalu, laba tahun berjalan, serta income deriving from gain from financial
penghasilan komprehensif lainnya berupa statement translation, potential gain from
selisih lebih penjabaran laporan keuangan, the changes in fair value of financial assets
potensi keuntungan yang berasal dari classified as available-for-sale and surplus
peningkatan nilai wajar aset keuangan from revaluation of premises and
dalam kelompok tersedia untuk dijual dan equipment. Disclosed reserves also consist
saldo surplus revaluasi aset tetap. of deduction factors such as losses from
Cadangan tambahan modal juga terdiri dari financial statement translation, potential
faktor pengurang yang terdiri dari selisih losses from the changes in fair value of
kurang penjabaran laporan keuangan, financial assets classified as available-for-
potensi kerugian yang berasal dari sale, shortfall between allowance for losses
penurunan nilai wajar aset keuangan dalam on productive assets (PPA) and allowance
kelompok tersedia untuk dijual, selisih for impairment losses on productive assets
kurang antara Penyisihan Penghapusan (CKPN), and shortfall between amount
Aset (PPA) atas aset produktif dan adjusted to the valuation result of financial
Cadangan Kerugian Penurunan Nilai instruments in Trading Book and amount
(CKPN) atas aset produktif, serta selisih adjusted based on the financial accounting
kurang antara jumlah penyesuaian terhadap standards.
valuasi dari instrumen keuangan dalam
Trading Book dan jumlah penyesuaian
berdasarkan standar akuntansi keuangan.
Modal inti utama harus diperhitungkan dengan Core capital must be calculated with deduction
faktor pengurang berupa: aset pajak factors: deferred tax assets, goodwill, other
tangguhan, goodwill, aset takberwujud lainnya, intangible assets, losses from remeasurement
kerugian atas pengukuran kembali program of defined benefit pension program, asset
pensiun manfaat pasti, eksposur sekuritisasi securitization exposures and investment in
aset dan penyertaan modal. shares.
115
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Modal inti tambahan dapat berbentuk antara Additional core capital includes among others:
lain: saham preferen, surat berharga non-cumulative preference shares,
subordinasi dan pinjaman subordinasi, dimana subordinated securities and subordinated debts
ketiganya bersifat non-kumulatif setelah net of buyback portion.
dikurangi pembelian kembali.
• Modal pelengkap (tier 2) antara lain meliputi • Supplementary capital (tier 2) includes
surat berharga subordinasi dan pinjaman subordinated securities and subordinated
subordinasi serta cadangan umum (PPA) debts and general allowance for
atas aset produktif sesuai ketentuan OJK. uncollectible account on productive assets
according to OJK guideline.
Bank tidak mempunyai modal inti tambahan The Bank does not have any additional core
yang memenuhi kriteria peraturan Bank capital which meets the criteria under prevailing
Indonesia yang berlaku. Bank Indonesia regulation.
Penyediaan modal minimum sebagaimana Minimum capital requirements are as follows:
dimaksud ditetapkan sebagai berikut:
• 8% dari ATMR untuk bank dengan profil • 8% of RWA for bank with risk rating 1.
risiko peringkat 1.
• 9% sampai dengan kurang dari 10% dari • 9% up to less than 10% of RWA for bank
ATMR untuk bank dengan profil risiko with risk rating 2.
peringkat 2.
• 10% sampai dengan kurang dari 11% dari • 10% up to less than 11% of RWA for bank
ATMR untuk bank dengan profil risiko with risk rating 3.
peringkat 3.
• 11% sampai dengan 14% dari ATMR untuk • 11% up to 14% of RWA for bank with
bank dengan profil risiko peringkat 4. risk rating 4.
Rasio Kewajiban Penyediaan Modal Minimum The calculation of Capital Adequacy Ratio
(KPMM) Bank pada tanggal 31 Desember (CAR) as at December 31, 2023 and 2022 by
2023 dan 2022 dihitung berdasarkan the Regulation of Bank Indonesia are as follows
Peraturan Bank Indonesia adalah sebagai (in million Rupiah):
berikut (dalam jutaan Rupiah):
2023 2022
Modal inti (Tier 1) 6,811,607 6,330,169 Core capital (Tier 1)
Modal pelengkap (Tier 2) 87,725 73,881 Supplementary capital (Tier 2)
Total modal inti dan pelengkap 6,899,332 6,404,050 Total core and supplementary capital
Total Aset Tertimbang
Menurut Risiko Total Risk Weight Assets (RWA)
Tanpa memperhitungkan
risiko pasar 7,963,833 7,775,557 Excluding market risk
Dengan memperhitungkan
risiko pasar 7,963,833 7,775,557 Including market risk
Dengan memperhitungkan risiko Including credit, market and
kredit, pasar dan operasional 8,277,265 8,051,997 operational risks
Rasio Kewajiban Penyediaan
Modal Minimum (KPMM) Capital Adequacy Ratio (CAR)
Rasio CET 1 82.29% 78.62% Ratio CET 1
Rasio Tier 1 82.29% 78.62% Ratio Tier 1
Rasio Tier 2 1.06% 0.92% Ratio Tier 2
Rasio total 83.35% 79.53% Ratio total
Rasio Kewajiban Penyediaan
Modal Minimum yang Diwajibkan 9,00% - 9,90% 9,00% - 9,90% Minimum Capital Adequacy Ratio
116
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
43. Analisis Kualitas Kredit 43. Credit Quality Analysis
Pengukuran Kerugian Kredit Ekspektasian Measurement of Expected Credit Losses
Peningkatan Risiko Kredit secara Signifikan Significant Increase in Credit Risk
Ketika menentukan apakah risiko gagal bayar When determining whether the risk of default
pada instrumen keuangan telah meningkat on financial instruments has increased
secara signifikan sejak pengakuan awal, Bank significantly since initial recognition, the Bank
mempertimbangkan informasi yang wajar dan considers reasonable and supported relevant
terdukung, serta relevan yang tersedia tanpa information that is available without excessive
biaya atau upaya yang berlebihan. Hal tersebut costs or efforts. This includes quantitative and
mencakup informasi dan analisa kuantitatif dan qualitative information and analysis, based on
kualitatif, berdasarkan pada pengalaman historical experience and credit expert
historis dan penilaian pakar kredit dan assessments and including forward-looking
termasuk perkiraan masa depan forward- estimates.
looking.
Tujuan dari penilaian ini adalah untuk The purpose of this assessment is to identify
mengidentifikasi apakah peningkatan risiko whether a significant increase in credit risk of
kredit secara signifikan atas eksposur telah exposure has occurred by comparing:
terjadi dengan membandingkan:
• Probability of default (PD) atas umur tersisa • Probability of default (PD) for the remaining
pada tanggal pelaporan; dengan age at the reporting date; with
• Probability of default (PD) atas umur tersisa • Probability of default (PD) for the estimated
yang di estimasi pada saat pengakuan awal remaining age at initial recognition of the
eksposur (jika relevan, disesuaikan dengan exposure (if relevant, adjusted for change in
perubahan ekspektasi pembayaran di expectations of prepayment).
muka).
Bank menggunakan kriteria berikut dalam Bank use these criteria for determining whether
menentukan apakah peningkatan risiko kredit there has been a significant increase in credit:
secara signifikan atas eksposur telah terjadi:
• pengujian kuantitatif berdasarkan perubahan • quantitative test based on movement in
probability of default (PD); probability of default (PD);
• indikator kualitatif; • qualitative indicators;
• tertunggak lebih dari 30 hari. • a backstop of 30 days past due.
Credit Risk Grades Credit Risk Grades
Bank mengalokasikan setiap eksposur ke credit The bank allocated each exposure to credit risk
risk grades berdasarkan variasi data yang grades based on a variety of data that is
ditentukan untuk memprediksi risiko gagal determined to predict the risk of default and
bayar dan menerapkan pengalaman atas kredit. apply credit experience judgement. Credit risk
Credit risk grades ditetapkan menggunakan grades are determined using qualitative and
faktor kualitatif dan kuantitatif yang dapat quantitative factors that can indicate the risk of
mengindikasikan risiko gagal bayar. Faktor- default. These factors vary depending on the
faktor ini bervariasi tergantung pada sifat nature of the exposure and the type of
eksposur dan jenis peminjam. borrower.
Credit risk grades ditetapkan dan dikalibrasi Credit risk grades are determined and calibrated
sedemikian rupa sehingga risiko terjadinya in such a way that the risk of default is
gagal bayar meningkat secara eksponensial increasing exponentially as credit risk rating
seiring dengan penurunan rating risiko kredit, decreases, for example, the difference between
sebagai contoh, selisih antara credit risk rating credit risk rating grades 1 and 2 is smaller than
grades 1 dan 2 lebih kecil dari pada selisih the difference between credit risk rating grades
antara credit risk rating grades 2 dan 3. 2 and 3.
117
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Setiap eksposur dialokasikan ke credit risk Each exposure is allocated to credit risk grades
grades pada pengakuan awal berdasarkan at initial recognition based on available
informasi yang tersedia tentang peminjam. information about the borrower. This exposure is
Eksposur ini dipantau secara berkelanjutan, monitored on an ongoing basis, and can result in
dan dapat mengakibatkan eksposur the exposure being transferred to different credit
dipindahkan ke credit risk grades yang risk grades. Monitoring usually uses the
berbeda. Pemantauan biasanya menggunakan following data: financial statements, use of credit
data berikut: laporan keuangan, penggunaan facilities, estimates of economic conditions.
fasilitas kredit, estimasi kondisi ekonomi.
Penentuan Struktur Probability of Default Determination of the Probability of Default
Structure
Credit risk grades adalah input utama dalam Credit risk grades are the main input in
penentuan struktur PD term structure atas determining the PD term structure of the
eksposur. Bank mengumpulkan informasi exposure. The Bank collects performance and
kinerja dan gagal bayar tentang eksposur risiko default information about credit risk exposures,
kredit yang dianalisa berdasarkan jenis produk which are analyzed by product and borrower
dan peminjam serta penilaian risiko kredit. type as well as credit risk assessment. For some
Untuk beberapa portofolio terutama produk portfolios especially treasury products,
treasury, informasi yang dibeli dari penilai information purchased from external credit
kredit eksternal juga digunakan. assessors is also used.
Bank menggunakan model statistik untuk The Bank uses a statistical model to analyze the
menganalisa data yang dikumpulkan dan collected data and produce an estimate of the
menghasilkan perkiraan probability of default probability of default (PD) for the remaining life
(PD) atas umur tersisa dan bagaimana hal ini and how this is expected to change as a result
diperkirakan akan berubah sebagai akibat dari of the passage of time.
berlalunya waktu.
Analisa ini mencakup identifikasi dan kalibrasi This analysis includes the identification and
hubungan antara perubahan tingkat gagal calibration of the relationship between changes
bayar dan perubahan dalam faktor-faktor in default rates and changes in key
makro ekonomi utama pada risiko gagal bayar. macroeconomic factors on the risk of default.
Untuk sebagian besar eksposur, indikator For most exposures, the main macroeconomic
makro ekonomi utama meliputi: pertumbuhan indicators include: GDP growth, benchmark
PDB, suku bunga acuan, dan tingkat interest rates, and the unemployment rate.
pengangguran.
Penentuan Terjadinya Peningkatan Risiko Determination of Significant Increase in
Kredit secara Signifikan Credit Risk
Bank mempergunakan sejumlah kriteria untuk Bank uses several criteria for determining that
menentukan telah terjadi peningkatan risiko credit risk has increased significantly.
kredit secara signifikan.
Kriteria tersebut ditetapkan menggunakan The criteria are determined using qualitative and
faktor kuantitatif dan kualitatif termasuk quantitative factors including determination
penentuan berdasarkan status hari tunggakan based on arrear day status that can indicate
yang dapat mengindikasikan telah terjadi significant increase in credit risk since initial
peningkatan risiko kredit yang signifikan recognition.
terhadap saat awal diberikan.
Bank dimungkinkan menggunakan penilaian The Bank can also use the judgment of credit
dari analis kredit dan pengalaman historis yang analysts and, if possible, relevant historical
relevan, dalam menentukan bahwa eksposur experience, in determining that the exposure
mungkin saja telah mengalami peningkatan may have experienced a significant increase in
risiko kredit yang signifikan berdasarkan credit risk based on certain qualitative indicators
indikator kualitatif tertentu yang dianggap dapat that are considered to indicate this and their
mengindikasikan hal tersebut dimana effects may not be fully reflected in quantitative
pengaruhnya mungkin belum sepenuhnya analysis in a comprehensive manner on a timely
tercermin pada saat dilakukan analisis manner.
kuantitatif.
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Bank menentukan bahwa peningkatan resiko The Bank determines that a significant increase
kredit secara signifikan belum terjadi apabila in credit risk has not occurred if it is still less than
masih kurang dari 30 hari tunggakan. Hari 30 days in arrears. Arrear days are determined
tunggakan ditentukan dengan menghitung by counting the number of days from the initial
jumlah hari sejak tanggal jatuh tempo awal due date where full payment has not been
dimana pembayaran penuh belum diterima. received.
Bank memantau efektifitas kriteria yang The Bank monitors the effectiveness of the
digunakan dalam mengidentifikasi peningkatan criteria used in identifying significant increases
risiko kredit yang signifikan dengan cara reviu in credit risk by periodic review.
berkala.
Modifikasi Aset Keuangan Modification of Financial Assets
Ketentuan kontraktual pinjaman dapat Loan contractual terms can be modified for a
dimodifikasi untuk beberapa alasan, termasuk number of reasons, including changes in market
perubahan kondisi pasar, retensi pelanggan conditions, customer retention and other factors
dan faktor-faktor lain yang tidak terkait dengan not related to the current credit decline. Loans
penurunan kredit saat ini. Pinjaman yang with modified contractual terms can cause the
ketentuan kontraktualnya dimodifikasi dapat initial loan to be derecognized and recognized
menyebabkan pinjaman awal dihentikan the modified loan as a new loan at fair value.
pengakuannya dan pinjaman hasil modifikasi
diakui sebagai pinjaman baru pada nilai wajar.
Ketika ketentuan kontraktual pinjaman When the contractual terms of the loan are
dimodifikasi dan tidak mengakibatkan modified and do not result in termination of
penghentian pengakuan, penentuan terjadinya recognition, determining the occurrence of a
peningkatan risiko kredit secara signifikan significant increase in credit risk is done by
dilakukan dengan cara membandingkan: comparing:
• Sisa PD sepanjang umur pada tanggal • PD remainder life at reporting date based
pelaporan berdasarkan ketentuan yang on modified provision; with
dimodifikasi; dengan
• Sisa PD sepanjang umur yang diestimasi • Residual PD throughout the estimated age
berdasarkan data pada saat pengakuan based on data at initial recognition and
awal dan ketentuan kontraktual awal. initial contractual provisions.
Definisi Gagal Bayar (Default) Definition of Failed Payment (Default)
Bank menganggap aset keuangan dalam The Bank considers financial assets as default
keadaan default/gagal bayar ketika: when:
• Debitur telah melewati jatuh tempo lebih • The debtors have past due more than 90
dari 90 hari atas kewajiban kredit material days for any material credit obligations to
apapun kepada Bank. the Bank.
Dalam menilai apakah debitur dalam keadaan In assessing whether a debtor is in default, the
default/gagal bayar, Bank mempertimbangkan Bank considers the following indicators
indikator berikut
• Kualitatif seperti pelanggaran persyaratan • Qualitative such as violations of the terms of
penjanjian (covenants); the agreement (covenants);
• Kuantitatif seperti status tunggakan; dan • Quantitative such as arrears status; and
• Berdasarkan data yang dikembangkan • Based on data developed internally and
secara internal dan diperoleh dari sumber obtained from external sources.
eksternal.
119
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PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Input, Asumsi, dan Teknik yang digunakan Inputs, Assumptions, and Techniques used
dalam mengestimasi penurunan nilai in estimating impairment
Penggunaan informasi perkiraan masa Use of forward-looking information
depan (forward-looking)
Bank menggunakan informasi forward-looking The Bank uses forward-looking information in
dalam menilai apakah telah terjadinya assessing whether there has been a significant
peningkatan risiko kredit secara signifikan dan increase in credit risk and measurement of
pengukuran kerugian kredit ekspektasian. expected credit losses. Based on advice from
Berdasarkan saran dari Komite Manajemen the Risk Management Committee and
Risiko dan pertimbangan berbagai informasi consideration of various actual information and
aktual dan perkiraan eksternal, Bank external forecast, the Bank formulated a base
merumuskan pandangan dasar (base case) case for the movement of relevant economic
tentang pergerakan variabel ekonomi yang variables in future as well as forecasts of other
relevan dimasa depan serta perkiraan possible scenarios. This process involves
skenario lain yang mungkin terjadi. Proses ini developing two or more additional economic
meliputi pengembangan dua atau lebih scenarios and considering the relative
skenario ekonomi tambahan dan probabilities of the possible outputs. External
mempertimbangkan probabilitas relatif dari information includes economic data and
keluaran (output) yang mungkin. Informasi estimateds published by, such as government
eksternal mencakup data ekonomi dan agencies and selected private sector analysts.
perkiraan yang diterbitkan oleh, seperti badan
pemerintah dan analis sektor swasta.
Pandangan dasar (base case) mencerminkan The base case reflects the output with the
keluaran dengan probabilitas yang paling highest probability. Another scenario, reflects
tinggi. Skenario yang lain, mencerminkan more optimistic outputs and more pessimistic
keluaran yang lebih optimis dan keluaran yang outputs.
lebih pesimis.
Skenario ekonomi yang dirumuskan The economic scenario is formulated using the
menggunakan kisaran indikator utama berikut: following range of key indicators:
2023 2024
Tingkat pengangguran/Unemployment Kisaran antara 5.50% hingga 6.50%/Range Kisaran antara 5.50% hingga 6.50%/Range
between 5.50% and 6.50% between 5.50% and 6.50%
Suku bunga/Interest rates Kisaran 5.00% hingga 6.25%/Range Kisaran 4.50% hingga 5.75%/Range
between 5.00% and 6.25% between 4.50% and 5.75%
Inflasi/Inflation rate Kisaran antara 2.00% hingga 4.25%/Range Kisaran antara 2.00% hingga 4.00%/Range
between 2.00% and 4.25% between 2.00% and 4.00%
Brent Oil Price Kisaran antara USD70 hingga USD95/ Kisaran antara USD75 hingga USD95/
Range between USD70 and USD95 Range between USD75 and USD95
Input utama dalam pengukuran kerugian kredit The main inputs in measuring expected credit
ekspektasian adalah variabel berikut loss are the following variables
• Probability of default (PD); • Probability of default (PD);
• Loss of given default (LGD); • Loss of given default (LGD);
• Exposure at default (EAD). • Exposure at default (EAD).
Parameter ini umumnya berasal dari model These parameters generally come from
statistik yang dikembangkan secara internal dan statistical models that are developed internally
data historis lainnya. Parameter ini disesuaikan and other historical data. This parameter is
untuk mencerminkan informasi forward-looking. adjusted to reflect forward-looking information.
Estimasi PD adalah estimasi pada tanggal PD estimation is an estimate on a certain date,
tertentu, yang dihitung berdasarkan model which is calculated based on a statistical ranking
peringkat statistik, dan dinilai menggunakan model, and is assessed using a rating that is
rating yang disesuaikan dengan berbagai adjusted to various categories of debtors and
kategori dari debitur dan eksposur. Model exposures. This statistical model is based on
statistik ini didasarkan pada data yang disusun data compiled internally consisting of
secara internal yang terdiri dari faktor kuantitatif quantitative and qualitative factors.
dan kualitatif.
120
Page 641
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
LGD adalah besarnya kerugian jika terjadi LGD is the amount of loss if there is a default.
gagal bayar. Parameter LGD diestimasi secara LGD parameters are historically estimated
historis berdasarkan tingkat pemulihan atas based on the level of recovery of claims against
klaim terhadap debitur yang gagal bayar. Model debtors who default. The LGD model considers
LGD mempertimbangkan jaminan dan biaya collateral and the cost of recovering any
pemulihan setiap jaminan yang merupakan collateral that is an integral part of a financial
bagian integral dari aset keuangan. asset.
EAD merepresentasikan estimasi eksposur jika EAD represents the estimated exposure in case
terjadi gagal bayar. EAD suatu aset keuangan of default. EAD of a financial asset is the gross
adalah jumlah tercatat bruto. Untuk komitmen carrying amount. For loan commitments and
pinjaman dan jaminan keuangan, EAD financial guarantees, EAD includes the amount
mencakup jumlah yang telah ditarik, serta that has been withdrawn, as well as potential
jumlah potensial di masa depan yang akan future amounts to be withdrawn, which are
ditarik, yang diestimasi berdasarkan estimated based on historical observations and
pengamatan historis dan perkiraan forward- looking estimates.
berwawasan ke depan (forward-looking).
Ketika pemodelan parameter dilakukan secara When parameter modeling is done collectively,
kolektif, instrumen keuangan dikelompokkan financial instruments are Banked according to
berdasarkan kesamaan karakteristik risiko the similarity of risk characteristics which include
yang meliputi:
• jenis instrumen; • type of instrument;
• peringkat risiko kredit; • credit risk rating;
• jenis agunan; • type of collateral;
• tanggal pengakuan awal; • date of initial recognition;
• sisa waktu jatuh tempo. • remaining due date.
a. Analisis risiko kredit berdasarkan internal a. Credit risk analysis based on internal
rating grades: rating grades:
2023
Kerugian Kerugian
Kredit Kerugian Kredit atas
Sepanjang Kredit Aset Keuangan
Umurnya Sepanjang yang dibeli
Tidak Umurnya atau Berasal
Mengalami Mengalami dari Aset
Kerugian Penurunan Penurunan Keuangan
Kredit Nilai/ Nilai/ Memburuk/
Ekspektasian Lifetime Lifetime Purchases or
12 bulan/12 ECL not ECL-Credit Credit Impaired
Months ECL Credit-Impaired Impaired Financial Assets Jumlah/Total
Kredit yang diberikan yang
diukur pada biaya perolehan
yang diamortisasi/Loans at
measured amortized cost
Bucket 1 7,364,698,588,520 -- -- -- 7,364,698,588,520
Bucket 2 -- 15,008,862,131 -- -- 15,008,862,131
Bucket 3 -- -- 6,000,416,632 -- 6,000,416,632
Bucket 4 -- -- -- -- --
Bucket 5 -- -- -- -- --
7,364,698,588,520 15,008,862,131 6,000,416,632 -- 7,385,707,867,283
Cadangan kerugian kredit/
Loss allowance (55,923,684,496) (3,944,166,598) (2,330,276,885) -- (62,198,127,979)
Jumlah/Total 7,308,774,904,024 11,064,695,533 3,670,139,747 -- 7,323,509,739,304
121
Page 642
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2022
Kerugian Kerugian
Kredit Kerugian Kredit atas
Sepanjang Kredit Aset Keuangan
Umurnya Sepanjang yang dibeli
Tidak Umurnya atau Berasal
Mengalami Mengalami dari Aset
Kerugian Penurunan Penurunan Keuangan
Kredit Nilai/ Nilai/ Memburuk/
Ekspektasian Lifetime Lifetime Purchases or
12 bulan/12 ECL not ECL-Credit Credit Impaired
Months ECL Credit-Impaired Impaired Financial Assets Jumlah/Total
Kredit yang diberikan yang
diukur pada biaya perolehan
yang diamortisasi/Loans at
measured amortized cost
Bucket 1 7,204,653,396,532 -- -- -- 7,204,653,396,532
Bucket 2 783,109,629 -- -- -- 783,109,629
Bucket 3 121,722,213 -- -- -- 121,722,213
Bucket 4 -- -- -- -- --
Bucket 5 -- -- -- -- --
7,205,558,228,374 -- -- -- 7,205,558,228,374
Cadangan kerugian kredit/
Loss allowance (52,480,819,903) -- -- -- (52,480,819,903)
Jumlah/Total 7,153,077,408,471 -- -- -- 7,153,077,408,471
Cadangan kerugian kredit untuk aset Allowance for credit losses for financial
keuangan yang diklasifikasikan pada nilai assets classified as fair value through
wajar melalui penghasilan komprehensif other comprehensive income is not
lain tidak diakui pada laporan posisi recognized in the statement of financial
keuangan karena nilai tercatat aset position because the carrying value of the
keuangan tersebut adalah nilai wajar. financial assets is fair value.
b. Analisis risiko kredit berdasarkan b. Credit risk analysis based on probability
probability of default: of default:
2023
Kerugian Kerugian
Kredit Kerugian Kredit atas
Sepanjang Kredit Aset Keuangan
Umurnya Sepanjang yang dibeli
Tidak Umurnya atau Berasal
Mengalami Mengalami dari Aset
Kerugian Penurunan Penurunan Keuangan
Kredit Nilai/ Nilai/ Memburuk/
Ekspektasian Lifetime Lifetime Purchases or
12 bulan/12 ECL not ECL-Credit Credit Impaired
Months ECL Credit-Impaired Impaired Financial Assets Jumlah/Total
Kredit yang diberikan yang
diukur pada biaya perolehan
yang diamortisasi/Loans at
measured amortized cost
0,93% - 6,71% 7,364,698,588,520 -- -- -- 7,364,698,588,520
14,10% - 42,03% -- 15,008,862,131 -- -- 15,008,862,131
38,71% - 60,95% -- -- 6,000,416,632 -- 6,000,416,632
58,19% - 88,13% -- -- -- -- --
100,00% -- -- -- -- --
7,364,698,588,520 15,008,862,131 6,000,416,632 -- 7,385,707,867,283
Cadangan kerugian kredit/
Loss allowance (55,923,684,496) (3,944,166,598) (2,330,276,885) -- (62,198,127,979)
Jumlah/Total 7,308,774,904,024 11,064,695,533 3,670,139,747 -- 7,323,509,739,304
122
Page 643
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2022
Kerugian Kerugian
Kredit Kerugian Kredit atas
Sepanjang Kredit Aset Keuangan
Umurnya Sepanjang yang dibeli
Tidak Umurnya atau Berasal
Mengalami Mengalami dari Aset
Kerugian Penurunan Penurunan Keuangan
Kredit Nilai/ Nilai/ Memburuk/
Ekspektasian Lifetime Lifetime Purchases or
12 bulan/12 ECL not ECL-Credit Credit Impaired
Months ECL Credit-Impaired Impaired Financial Assets Jumlah/Total
Kredit yang diberikan yang
diukur pada biaya perolehan
yang diamortisasi/Loans at
measured amortized cost
0,93% - 6,71% 7,204,653,396,532 -- -- -- 7,204,653,396,532
14,10% - 42,03% 783,109,629 -- -- -- 783,109,629
38,71% - 60,95% 121,722,213 -- -- -- 121,722,213
58,19% - 88,13% -- -- -- -- --
100,00% -- -- -- -- --
7,205,558,228,374 -- -- -- 7,205,558,228,374
Cadangan kerugian kredit/
Loss allowance (52,480,819,903) -- -- -- (52,480,819,903)
Jumlah/Total 7,153,077,408,471 -- -- -- 7,153,077,408,471
c. Analisis risiko kredit berdasarkan external c. Credit risk analysis based on external
rating grades: rating grades:
2023
Kerugian Kerugian
Kredit Kerugian Kredit atas
Sepanjang Kredit Aset Keuangan
Umurnya Sepanjang yang dibeli
Tidak Umurnya atau Berasal
Mengalami Mengalami dari Aset
Kerugian Penurunan Penurunan Keuangan
Kredit Nilai/ Nilai/ Memburuk/
Ekspektasian Lifetime Lifetime Purchases or
12 bulan/12 ECL not ECL-Credit Credit Impaired
Months ECL Credit-Impaired Impaired Financial Assets Jumlah/Total
Kredit yang diberikan yang
diukur pada biaya perolehan
yang diamortisasi/Loans at
measured amortized cost
Kolektibilitas 1/Collectibility 1 7,354,856,212,569 -- -- -- 7,354,856,212,569
Kolektibilitas 2/Collectibility 2 9,842,375,951 15,008,862,131 -- -- 24,851,238,082
Kolektibilitas 3/Collectibility 3 -- -- 6,000,416,632 -- 6,000,416,632
Kolektibilitas 4/Collectibility 4 -- -- -- -- --
Kolektibilitas 5/Collectibility 5 -- -- -- -- --
7,364,698,588,520 15,008,862,131 6,000,416,632 -- 7,385,707,867,283
Cadangan kerugian kredit/
Loss allowance (55,923,684,496) (3,944,166,598) (2,330,276,885) -- (62,198,127,979)
Jumlah/Total 7,308,774,904,024 11,064,695,533 3,670,139,747 -- 7,323,509,739,304
123
Page 644
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
2022
Kerugian Kerugian
Kredit Kerugian Kredit atas
Sepanjang Kredit Aset Keuangan
Umurnya Sepanjang yang dibeli
Tidak Umurnya atau Berasal
Mengalami Mengalami dari Aset
Kerugian Penurunan Penurunan Keuangan
Kredit Nilai/ Nilai/ Memburuk/
Ekspektasian Lifetime Lifetime Purchases or
12 bulan/12 ECL not ECL-Credit Credit Impaired
Months ECL Credit-Impaired Impaired Financial Assets Jumlah/Total
Kredit yang diberikan yang
diukur pada biaya perolehan
yang diamortisasi/Loans at
measured amortized cost
Kolektibilitas 1/Collectibility 1 7,198,271,666,430 -- -- -- 7,198,271,666,430
Kolektibilitas 2/Collectibility 2 6,382,073,933 -- -- -- 6,382,073,933
Kolektibilitas 3/Collectibility 3 820,421,224 -- -- -- 820,421,224
Kolektibilitas 4/Collectibility 4 84,066,787 -- -- -- 84,066,787
Kolektibilitas 5/Collectibility 5 -- -- -- -- --
7,205,558,228,374 -- -- -- 7,205,558,228,374
Cadangan kerugian kredit/
Loss allowance (52,480,819,903) -- -- -- (52,480,819,903)
Jumlah/Total 7,153,077,408,471 -- -- -- 7,153,077,408,471
Analisa Sensitivitas Kerugian Kredit Sensitivity Analysis of Expected Credit Loss
Ekspektasian Terhadap Kondisi Ekonomi for Future Economic Conditions
Masa Depan
Asumsi ekonomi yang disajikan berikut ini The economic assumptions presented below
disusun secara internal untuk keperluan are prepared internally for the purpose of
perhitungan kerugian kredit ekspektasian. calculating expected credit losses.
2023 2024 2025 2026 2027
Skenario Moderat/Moderate Scenario
Interbank 6.00% 5.75% 5.25% 4.75% 4.25%
Brent 85 85 85 85 80
Inflasi/Inflation 3.00% 2.50% 2.25% 2.25% 2.50%
Tingkat pengangguran/Unemployment 5.75% 5.75% 5.75% 5.75% 5.75%
Skenario Optimis/Upside Scenario
Interbank 5.75% 5.50% 5.00% 4.50% 4.00%
Brent 80 80 80 80 80
Inflasi/Inflation 2.50% 2.00% 1.75% 1.75% 1.75%
Tingkat pengangguran/Unemployment 5.50% 5.50% 5.25% 5.25% 5.25%
Skenario Pesimis/Downside Scenario
Interbank 6.25% 6.00% 5.50% 5.00% 4.50%
Brent 95 90 90 90 90
Inflasi/Inflation 4.25% 3.50% 3.25% 3.25% 3.25%
Tingkat pengangguran/Unemployment 6.25% 6.00% 6.00% 6.00% 6.00%
44. Informasi Tambahan Arus Kas 44. Additional Information of Cash Flow
a. Rekonsiliasi liabilitas yang timbul dari a. Liabilities reconciliation that arise from
aktivitas pendanaan: financing activities:
Perubahan
31 Des/ non kas/ 31 Des/
Dec 31, Arus Kas/ Non cash Dec 31,
2022 Cash Flow changes 2023
Liabilitas sewa 37,366,801,533 (13,292,386,412) 1,564,442,507 25,638,857,628 Lease liabilities
Jumlah 37,366,801,533 (13,292,386,412) 1,564,442,507 25,638,857,628 Total
124
Page 645
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Perubahan
31 Des/ non kas/ 31 Des/
Dec 31, Arus Kas/ Non cash Dec 31,
2021 Cash Flow changes 2022
Liabilitas sewa 3,291,684,000 (14,522,851,186) 48,597,968,719 37,366,801,533 Lease liabilities
Jumlah 3,291,684,000 (14,522,851,186) 48,597,968,719 37,366,801,533 Total
45. Reklasifikasi Akun 45. Reclassification of Accounts
Beberapa akun dalam laporan keuangan yang Some of accounts in financial statements for
berakhir pada 31 Desember 2022 telah the years ended December 31, 2022 have
direklasifikasi sesuai dengan penyajian laporan been reclassified in accourdance with the
keuangan periode yang berakhir pada tanggal presentation of the financial statements for the
31 December 2023 untuk tujuan perbandingan. period ended December 31, 2023 for the
comparative purpose.
31 Desember 2022/
December 31, 2022
Sebelum Reklasifikasi Sesudah Reklasifikasi
Before Reclassification After Reclassification
Laporan Arus Kas Statement of Cash Flows
Arus kas dari aktivitas operasi Cash flows from the operating activities
Liabilitas lain-lain (951,551,401,549) (839,259,274,289) Others liabilities
Uang muka 65,658,410,835 -- Advances
Aset lain-lain 226,985,160,625 292,643,571,460 Othes assets
Efek-efek dan Obligasi Marketable securities and
Pemerintah yang diukur pada Government Bonds at fair
nilai wajar melalui laba rugi (62,974,264,551) -- value through profit and loss
Pembayaran pajak penghasilan -- (78,895,040,625) Payments of income tax
Arus kas dari aktivitas investasi Cash flows from the investing activities
Pembelian efek-efek yang Placement from marketable securities
diukur pada nilai wajar melalui measured at fair value through other
penghasilan komprehensif lain -- (1,896,710,000,000) comprehensive income
Penjualan efek-efek yang Proceeds from marketable securities
diukur pada nilai wajar melalui measured at fair value through other
penghasilan komprehensif lain -- 1,814,861,500,000 comprehensive income
Arus kas dari aktivitas pendanaan Cash flows from the financing activities
Pembayaran liabilitas sewa -- (14,522,851,186) Payment of lease liabilities
46. Standar Akuntansi dan Interpretasi Standar 46. Accounting Standard and Interpretation of
Akuntansi yang Telah Disahkan, tetapi Accounting Standard which Has Issued but
Belum Berlaku Efektif Not Effective Yet
Amendemen atas standar yang berlaku efektif Amendments to standards effective for periods
untuk periode yang dimulai pada atau setelah 1 beginning on or after January 1, 2024 with
Januari 2024 dengan penerapan dini early adoption is permitted, are as follows:
diperkenankan, yaitu:
• Amendemen PSAK 1: “Penyajian Laporan • Amendment of PSAK 1: “Presentation of
Keuangan” terkait liabilitas jangka panjang Financial Statements” insurance contract
dengan kovenan; regarding long-term liabilities with the
covenant;
• Amendemen PSAK 73: “Sewa terkait • Amendment of PSAK 73: “Leases”
liabilitas sewa pada transaksi jual dan regarding lease liabilities in sale-and-lease
sewa balik”; back transactions;
• Revisi PSAK 101: “Penyajian Laporan • Revised PSAK 101: “Presentation of
Keuangan Syariah”; dan Shariah Financial Statement”; and
• Revisi PSAK 109: “Akuntansi Zakat, Infak, • Revised PSAK 109: “Zakah, Infaq and
dan Sedekah”. Sadaqah”.
125
Page 646
PT ALLO BANK INDONESIA TBK PT ALLO BANK INDONESIA TBK
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain) (In full of Rupiah, unless otherwise stated)
Amendemen atas standar yang berlaku efektif Amendments to standards effective for periods
untuk periode yang dimulai pada atau setelah 1 beginning on or after January 1, 2025 with
Januari 2025 dengan penerapan dini early adoption is permitted, are as follows:
diperkenankan, yaitu:
• PSAK 74: “Kontrak Asuransi”; dan • PSAK 74: “Insurance Contract”; and
• Amendemen PSAK 74: “Kontrak Asuransi” • Amendment of PSAK 74: “Insurance
terkait Penerapan Awal PSAK 74 dan Contract” regarding Initial Application of
PSAK 71 Informasi Komparatif. PSAK 74 and PSAK 71 - Comparative
Information.
Pada saat penerbitan laporan keuangan, Bank As at the authorization date of this financial
masih mempelajari dampak yang mungkin statements, the Bank is still evaluating the
timbul dari penerapan standar baru dan revisi potential impact of these new and revised
tersebut serta pengaruhnya pada laporan standards to the Bank’s financial statements.
keuangan Bank.
47. Penyelesaian Laporan Keuangan 47. Completion of Financial Statement
Manajemen Bank bertanggung jawab atas The management of the Bank is responsible for
penyusunan dan penyajian kewajaran laporan the preparation and fair presentation of these
keuangan ini sesuai dengan Standar Akuntansi financial statements in accordance with
Keuangan di Indonesia, yang diselesaikan dan Indonesian Financial Accounting Standards,
disetujui untuk diterbitkan oleh Direksi pada which were completed and authorized by the
tanggal 29 Januari 2024. Board of Directors for issue on
January 29, 2024.
126
Page 647
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
Laporan Keberlanjutan
Sustainability Report 645
2023 Annual Report & Sustainability Report
Page 648
646 Performa 2023
2023 Performance
Laporan Manajemen
Management Report
Profil Perusahaan
Company Profile
2023
Laporan Tahunan & Laporan Keberlanjutan
Annual Report & Sustainability Report
PT Allo Bank Indonesia Tbk
Menara Bank Mega Lt. 5 dan 6
Jl. Kapten P. Tendean No. 12-14A,
Jakarta 12790
62-21 5098 1399 (Hunting)
AlloCare 080 4110 4110
www.allobank.com
Laporan Tahunan & Laporan Keberlanjutan 2023
Names mentioned 160 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.2 ×163
unresolved
org
Financial Services Authority
p.2 ×14
unresolved
org
Bank Allo Bank
p.3 ×2
unresolved
org
PT Allo Disclaimer
p.4
unresolved
org
Bank Milestones
p.4
unresolved
org
Bank Bonds Organ Pendukung
p.6
unresolved
org
Bank Terhadap Pedoman Pendanaan Terorisme
p.6
unresolved
org
Bank GCG Proliferasi Senjata Pemusnah
p.6
unresolved
org
Bank Tanggapan Terhadap Umpan
p.7
unresolved
org
Bank Lain Placements
p.14
unresolved
org
Bank Indonesia Giro
p.16
unresolved
org
PT Indolife
p.20
unresolved
org
Bank Mega Tower Auditorium
p.25
unresolved
org
Bank Festival
p.25 ×8
unresolved
org
Bank First Anniversary
p.26 ×2
unresolved
org
Bank Awards
p.26 ×4
unresolved
org
Bank X Jaringan Prima
p.27 ×2
unresolved
org
PT Rintis Sejahtera. Penghargaan
p.27
unresolved
person
Suryono Hidayat
· Wakil Direktur Utama
p.27 ×2
unresolved
org
PT Rintis Sejahtera
p.27 ×2
unresolved
org
PT Rintis Sejahtera. Mr. Suryono Hidayat
p.27
unresolved
org
Indonesia Stock Exchange
p.29 ×4
unresolved
org
PT Pemeringkat Efek Indonesia
p.29 ×3
unresolved
org
Bank Hangout
p.30 ×5
unresolved
org
Bank Pelita
p.31 ×6
unresolved
org
Bank Temu
p.32 ×2
unresolved
org
Bank Indonesia’s
p.40
unresolved
person
E. External Opportunities
· Komisaris
p.40
unresolved
person
Annual GMS
· President Commissioner
p.43 ×7
unresolved
org
Kementerian Keuangan
p.48
unresolved
org
Ministry of Finance
p.48
unresolved
org
Bank Governance Allo Bank
p.49
unresolved
person
Extraordinary GMS
· Director
p.50 ×3
unresolved
—
Pertama Arief Tende
· Director
p.50 ×3
unresolved
org
Bank Organizational Structure
p.50
unresolved
person
Dharma Akhyuzi
· Notaris
p.51 ×14
unresolved
org
Menteri Hukum dan Hak Asasi Manusia
p.51
unresolved
person
Akhyuzi
p.51
unresolved
org
Minister of Law and Human Rights
p.51 ×3
unresolved
org
Bank Business Groups Bank
p.52
unresolved
org
PT Bank Arta Griya
p.58 ×9
unresolved
org
PT Bank Harda Griya Limited
p.58 ×8
unresolved
org
Bank Harda Internasional Tbk
p.58 ×36
unresolved
org
Menteri Keuangan Republik Indonesia
p.58
unresolved
person
Dasar Poerbaningsih Adi Warsito. Notarial Deed
· Notaris
p.58 ×3
unresolved
org
Minister of Finance
p.58
unresolved
org
Minister of Justice
p.60
unresolved
org
Menteri Kehakiman Republik Indonesia
p.60 ×2
unresolved
org
Pengadilan Negeri Jakarta Selatan
p.60
unresolved
org
PT Bank Harda
p.60 ×6
unresolved
org
PT Bank Harda Internasional Griya
p.60
unresolved
person
Triphosa Lily Ekadewi
· Notaris
p.60 ×2
unresolved
org
Minister
p.60
unresolved
org
Bank Harda Internasional Bank Harda Internasional Tbk.
p.60 ×2
unresolved
person
Edward Suharjo Wiryomartani.
p.60 ×2
unresolved
org
PT Mega Corpora. Setelah
p.61 ×2
unresolved
org
PT Mega Corpora. After
p.61 ×2
unresolved
org
Harda Internasional Tbk
p.61
unresolved
org
Minister of Law Keputusan No. AHU-
p.62
unresolved
org
Menteri
p.62
unresolved
org
Minister of Law and Human Rights dan Hak Asasi Manusia Republik Indonesia
p.62
unresolved
org
PT Bank Arta Griya. Mengikuti
p.63
unresolved
org
Bank Allo Bank Milestones
p.64
unresolved
org
Internasional Tbk
p.64
unresolved
org
PT Mega Corpora The Bank
p.64
unresolved
org
Bank Fest
p.65 ×2
unresolved
org
Bank Grand Launching Tabungan Flexible Allo Grow
p.65
unresolved
org
Bank Grand Launching
p.65
unresolved
org
Menteri Hukum dan Hak Asasi Manusia Republik
p.66
unresolved
org
Bank Personnel
p.71
unresolved
org
PT Allo
p.72 ×2
unresolved
org
PT Allo Bank
p.73 ×4
unresolved
org
Results Indonesia Tbk.
p.73
unresolved
—
Pejabat Eksekutif
· Komisaris Independen
p.74 ×2
unresolved
—
Executive
· Independent Commissioner
p.74 ×2
unresolved
org
PT Dyandra
p.74 ×2
unresolved
org
Bank BRI Tbk
p.74 ×3
unresolved
—
PUREK II
· Ketua
p.74
unresolved
person
Rangkap
· Komisaris Independen
p.74
unresolved
org
Bank Of New York
p.76
unresolved
org
Bank Staff
p.76
unresolved
org
Bank Indonesia Highest Tertinggi Bank Indonesia
p.76
unresolved
org
Bank Indonesia International Payment System Resource
p.76
unresolved
person
Deputi
· Direktur
p.76
unresolved
—
Kepatutan Sdr. Ali
· Anggota
p.77
unresolved
person
Ali
p.77 ×2
unresolved
org
PT CT Corpora
p.78 ×2
unresolved
org
Kantor Akuntan Publik Prasetio
p.78
unresolved
org
Indonesia Tbk
p.78 ×2
unresolved
org
Sertifikasi
p.80
unresolved
org
Rakyat Indonesia Tbk
p.81
unresolved
org
PT Metra Digital Innovation
p.81 ×2
unresolved
person
Plt.
· Direktur Utama
p.81 ×2
unresolved
org
PT Telkomsel
p.81 ×2
unresolved
org
Telekomunikasi Tbk
p.81 ×6
unresolved
org
PT Multimedia Nusantara
p.81 ×2
unresolved
org
PT Telkom International Indonesia
p.81
unresolved
org
PT Telkom International
p.81
unresolved
org
PT. Efektifpro Knowledge Source
p.82 ×5
unresolved
org
PT. Effectivepro Knowledge Source
p.82 ×5
unresolved
org
PT Raharja Duta
p.83
unresolved
org
PT Raharja Duta Solusindo
p.83
unresolved
org
Nasional Sertifikasi
p.83
unresolved
org
Sertifikasi Manajemen Risiko
p.83
unresolved
org
PT Allo Bank Employment History
p.84
unresolved
org
Mega Tbk
p.84 ×2
unresolved
org
Permata Tbk
p.84 ×2
unresolved
—
Kepatutan Sdr. Arief Tendeas
· Direktur
p.85 ×9
unresolved
person
KEP-
· Direktur
p.85
unresolved
org
PT Infarco Pondok Wisata
p.87 ×2
unresolved
org
Bank Umum Syariah
p.89
unresolved
org
Bank Digital Dan Fintech
p.89
unresolved
org
Bank Employment History
p.90
unresolved
org
Bank ANZ Indonesia
p.90 ×2
unresolved
org
Bank Sahabat Sampoerna
p.90 ×2
unresolved
org
Communications Pvt. Ltd.
p.91 ×2
unresolved
org
PT. Payfazz Teknologi Nusantara
p.101 ×2
unresolved
org
Bank UOB
p.101 ×2
unresolved
org
PT Mega Corpora Berdasarkan Akta
p.114
unresolved
person
Dedy Syamri
· Notaris
p.114
unresolved
org
PT Mega Dasar
p.114
unresolved
person
Piagam
· Komisaris
p.124
unresolved
person
Refreshment Certification
· Commissioner
p.125
unresolved
org
Bank Umum Socialization
p.126
unresolved
org
Indonesia Bank Indonesia Tbk
p.126
unresolved
org
Bank Consolidation
p.157 ×2
unresolved
org
PT Mega Central Finance
p.172
unresolved
org
PT Mega Auto Finance
p.172
unresolved
org
PT Trans Fashion Indonesia
p.172
unresolved
org
PT Metropolitan Retailmart
p.172
unresolved
org
PT Alfa Retailindo
p.172
unresolved
org
PT Parabandung Propertindo
p.172
unresolved
org
Yayasan CT Arsa
p.172
unresolved
person
Perseorangan
· Komisaris
p.172
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